Projektfabrik SEPA Solution in brief
The SEPA Instruments
- SEPA Direct Debit (started in January 2008)
- SEPA Direct Credit (scheduled November 2009)
- SEPA Cards Framework
Our SEPA Services
- XML based
- ERP integration
- Provides all Payment Processes
- SWIFTNet (FileAct, InterAct) connection
- further transferprotocols:
- HTTP(s), SMTP, FTP, MSMQ, RFC
- optional transferprotocols, i.e.
- FTAM, FinTS / EBICS ...
- formats
- XML (UNIFI/ISO), SWIFT FIN, CSV, EDIFACT
- Proprietary Formats (DTAUS / DTAZV)
- SWIFTReady Financial Enterprise Application Integration (EAI) Gold Certified
- SWIFT Updates
- ISO 20022 payment schemes
- all UNIFI/ISO messages supported
- contains more than 350 SWIFT message formats
- Mapping between different formats, i.e.
- SWIFT FIN < > UNIFI
- DTAUS/DTAZV < > UNIFI
- Mapping vice versa i.e. DTA-PAIN
- Error correction
- Automatic error alert
- 2nd, 3rd set of eyes
- Contains customizable forms for error correction. The primary advantage is no need to correct the FIN-messages itself
- digital signed error correction, trackable
- Audit-Trails
- 128 bit encryption
- further processes can easily be integrated
- routing z.B. based on transaction costs or further costs of the account
Installations
- SIA (Clearinghouse of the European Banking Association) for the development of STEP2
- Sekerbank Turkiye
- Banco Espanol de Credito (Banesto)
- Nordea Bank Finland
- OP Bank Group Finland
- Sampo Bank Finland
- Calyon Asia Pacific Hongkong (Crédit Agricole Gruppe)
- Development of different PE-ACH based on this solution
Piggy Back IBAN BIC conversion
A complete SEPA compliant data conversion and validation service for less than the cost of postage stamp. The cost and efficiency benefits you can gain in the long run from the SEPA Credit Transfer and SEPA Direct Debit schemes are significant. Preparing for them in the short term, however, could prove to be both time-consuming and costly for you as a Corporate.
How you can benefit from SEPA
Participation in both schemes requires you to submit a valid IBAN (International Bank Account Number) and BIC (Bank Identifier Code) for all EU cross- border credit transfers from January 2008 and for all direct debit payments from November 2009. However your customer databases may well contain domestic bank account details rather than the BICs and IBANs required. Given that many banks are not prepared to provide a validation and data conversion service to support SEPA, the responsibility of ensuring payment records are correct at the time of submission rests with you as a Corporate. So do you spend time and money individually contacting each customer to obtain accurate updated account details and then manually update your databases, OR use a fast and accurate electronic data conversion service that costs less than the price of the stamp for your letter?
How can the BIC and IBAN data conversion service help your business?
We can help you realise the cost savings and increased business efficiencies resulting from the new SEPA directives by cleansing, validating and electronically converting your existing payment database from the domestic BBAN (Basic Bank Account Number) format to the required BIC and IBAN standard.
The BIC and IBAN data conversion service in detail
- validates and cleans existing BBAN details within your complete database, using complex modulus checking rules
- forms IBANs for all your existing valid domestic account details (BBANs)
- identifies invalid records that require further information to be obtained or verified (including invalid account numbers and closed bank branches)
- provides the correct SWIFT BIC for all IBANs generated by the conversion service
- includes a detailed analysis report and recommendations for further data improvements
Comprehensive IBAN validation
The data conversion service also includes a comprehensive IBAN validation service. Where an IBAN is already present within your database, this additional service will validate and check the format of these records, to ensure they are accurate and valid and SEPA compliant. At the end of the process you are supplied with a cleansed and updated data file which you can incorporate back directly into your database, minimising any errors associated with re-entering data.
Advantages of the solution
- Out of the box solution
- Communicates with all ERP Systems
- Supports SEPA as well as SWIFT
- Support different payment systems in Europe
- Protects the investment, flexible solution
- Follows the SEPA roadmap
- Also useable for B2B communication as it contains all EDIFACT formats (EDIFACT is the payment standard in Austria for example)
- Scalable, high performance solution (one installation handles 60 million financial transactions a day)
- Data conversion IBAN/BIC for 45 countries available, avoids R transactions (process cost of one R-Transaction is estimated to be between 50€ - 75€)
- Solution available as "Software as a Service" model
| Your contact: | Klaus Schwaegerl |
| Telephone: | +49 (6174) 20392-20 |
| Telefax: | +49 (6174) 20392-12 |
| Email: | klaus.schwaegerl@projektfabrik.com |
| Version: | 30.09.2010 |