Oracle Cash Management User Guide

This appendix covers the following topics:

This appendix outlines the country specific bank account validation rules performed in Release 12. The following information is presented for certain countries:

Validation rules: The validation perform for the specific country

Unique Validation Rules: The unique validations perform for the specific country

The following countries have country specific validations:

Australia, Austria, Belgium, Brazil, Denmark, Colombia, Finland, France, Germany, Greece, Iceland, Ireland, Israel, Italy, Japan, Luxembourg, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, and United States.

When entering new bank accounts, different countries can have certain rules governing the format and content of the following related fields:

Bank Number

Branch Number

Account Number

Check Digit

A new profile option, "CE: Disable Bank Validations" has been introduced. This profile can be set at the site, application, responsibility or user level. The profile is seeded with a default value of 'No' at the site level. The country-specific validations pertaining to the bank number, branch number, account number and check digit can be disabled by this profile option.

If the profile is set to 'Yes', these validations will not fire. If the profile is set to 'Yes' a tip is displayed on the Bank, Branch and Account setup pages. This indicates that the validations have been disabled. A similar tip is displayed in the Supplier (Oracle Payments) Bank Setup UI.

The checks for unique banks, branches, accounts and the mandatory requirement of bank account number are not affected by this profile.

The following points are applicable to all the countries:

For all fields, white spaces and hyphens ('-') are removed before checking the number.

The Bank and Branch Number might be mandatory depending upon the country-specific rules.

The Account Number is mandatory for all countries.

The Check Digit is might be mandatory depending upon the country-specific rules.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, the length should be either 2 or 3 numeric characters.

Mandatory.

The combined length of the Branch Number and Bank Number should be 6 numeric characters.

It must be 3 digits, if the Bank Number entered is 3 digits, or 4 digits, if the Bank Number entered is 2 digits, or 6 digits, if the Bank Number is not entered.)

Length should be between 6 to 10 characters.

If the account currency is Australian Dollar, account number should be numeric. For foreign currencies, alpha-numeric values are allowed.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

Length should be of 5 numeric characters.

Mandatory.

Length should be of 5 numeric characters.

Length should be a maximum of 11 numeric characters.

If the length is less than 11, then it is converted to a 11 digit number by prefixing it with as many leading zeroes as is necessary.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

No validation.

Length should be of 12 numeric characters.

It should be in the format 999-9999999-99.

A check algorithm is applied on the Account Number.

No validation.

Check Algorithm for Account Number

The entered check digit (CD1) is the last two digits of the Account Number.

The calculated check digit (CD2) is derived by concatenating the first two sections of the Account Number and calculating the remainder on dividing this by 97. If the remainder is equal to '0', then the calculated check digit is taken to be '97'

If the entered check digit (CD1) and calculated check digit (CD2) are equal, then the Account Number is valid, else the check has failed.

Additionally, if the entered check digit (that is, the last section) is '00', then the Account Number is invalid because the calculated check digit can never be '00' as per the 3rd point.

Example using account number '123-4567890-78'.

The entered check digit (CD1) is '78'.

The concatenation of the first two sections gives '1234567890'.

Divide the result by '97'.

1234567890 / 97 = 12727504

Derive the remainder.

1234567890 - (12727504 * 97) = 2

Therefore CD2 = 2.

Here CD1 CD2, therefore the Account Number is not valid.

In this case, a valid Account Number would be '123456789-02'.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be a maximum of 3 numeric characters.

If the length is less than 3, then it is converted to a 3 digit number by prefixing it with as many leading zeroes as is necessary.

Mandatory.

Length should be a maximum of 6 alphanumeric characters.

No validation.

No validation.

Optional.

This is entered in the Account Creation form.

If entered, length should be a maximum of 15 numeric characters

For Colombia, there are no validations for Bank Number, Branch Number, Account Number, or Check Digit fields

Validation Rules

The fields are checked for validity by adopting the following rules:

This is entered in the Bank Creation form.

Mandatory.

Length should be a maximum of 15 numeric characters

14 digits for Tax Payer ID plus the last digit for check digit.

It is unique within the country.

Cross Validations of Tax Payer ID in Customers, Suppliers, and Companies. If the Tax Payer ID is used by a Customer, Supplier, or a Company, then the Customer name, Supplier name, or the Company name should match with the Bank name.

A check digit is applied on the Tax Payer ID.

Check Algorithm for Tax Payer ID

The first 14 digits are multiplied by the associated factor.

These 14 products are added and the sum is divided by 11.

If the remainder is 1 or 0, then the Check Digit should be 1 or 0 respectively.

If the remainder is not 1 or 0, then the remainder is subtracted by 11 and that should be the Check Digit.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

No validation.

Length should be a maximum of 10 numeric characters

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

No validation.

Length should be a maximum of 15 numeric characters

A check algorithm is applied on the Account Number.

No validation.

Check Algorithm for Account Number

A check value (Check) is formed, from the user entered Account Number. The method used to form this value depends upon the first digit of the account number as given in the following table:

Method 1

Check is formed in the following two parts:

The first part of the Check is formed from the first 6 digits of the Account Number.

To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.

The second part of Check is formed as an eight digit value, comprising the 8th to 15th digits of the Account Number. If the length is less than 8, then it is converted to a 8 digit number by prefixing it with as many leading zeroes as is necessary.

Using the same example, the second part of Check would be created as '00000089'.

Check is then formed by concatenating the two parts.

So, in our example the Check is formed as '12345600000089'.

Method 2

Check is formed in the following three parts:

The first part of the Check is formed from the first 6 digits of the Account Number.

To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.

The second part of Check is formed as the 8th digit of the Account Number.

Using the same example, the second part of Check would be created as '8'.

The third part of Check is formed as a seven digit value, comprising the 9th to 15th digits of the Account Number. If the length is less than 7, then it is converted to a 7 digit number by prefixing it with as many leading zeroes as is necessary.

Using the same example, the second part of Check would be created as '0000009'.

Check is then formed by concatenating the three parts.

So, in our example the Check is formed as '12345680000009'.

A computed sum is then calculated based on the value of Check. Different calculations are performed depending on the first two digits of the formed Check value.

If the first two digits of Check are '88', then:

The Finnish government provides the following factor table. The 8th to 13th digits of the Check number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using Check number '88345600000089':

Multiply the given digits with the given factor.

So the computed sum for this example is 56.

The test fails unless either of the following apply:

The 14th digit of Check should equal the value of 10 minus the last digit of the computed sum.

For the Check value is '88345600000089', the last digit of the computed sum is 6. So 10 - 6 = 4. So, the 14th digit of the Check should equal 4. The test fails here as the 14th digit is 9.

Both the 14th digit of Check and the last digit of the computed sum are 0.

Using the same example, the test fails here as both values are not 0.

If the first two digits of Check are NOT '88', then:

The computed sum is calculated for each of the first 13 digits by adding the even numbered digits to the following calculated sum for each odd numbered digit :

Multiply the digit by 2.

Divide the result by 10.

From the result add the integer to the remainder.

Example using account number '123456800000089':

The computed sum is then converted using the following process, before being used to see if the Account Number is valid :

Computed sum is added to 9.

The result is divided by 10.

The integer result is multiplied by 10.

The result is subtracted by the original computed sum.

So the computed sum '282 is converted to '2' as:

28 + 9 = 37

37/10 = 3.7. Integer result therefore = 3

3 * 10 = 30

30 - 28 = 2

This number is then compared to the 14th digit of the Account Number. If it matches, then the test is passed, else it is failed.

In our example, the test fails as the 14th digit of the account number is 9. If the 14th digit had been 2, then the test would have been passed.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be a maximum of 5 numeric characters.

If the length is less than 5, then it is converted to a 5 digit number by prefixing it with as many leading zeroes as is necessary.

Mandatory.

Length should be a maximum of 5 numeric characters.

If the length is less than 5, then it is converted to a 5 digit number by prefixing it with as many leading zeroes as is necessary.

Length should be a maximum of 11 numeric characters.

If the length is less than 11, then it is converted to a 11 digit number by prefixing it with as many leading zeroes as is necessary.

Optional.

Length should be a maximum of 2 numeric characters.

If the check digit is less than 2 digits, then it is converted to a 2 digit number by prefixing it with a zero.

A check algorithm is applied on the check digit.

Check Algorithm for Check Digit

A check digit is calculated (CD1) from the Account Number, Bank Number, and Branch Number in the following manner. This is then used as the basis for the check digit validity test.

CD1

For the check algorithm, the digits of the Account Number entered as characters 'A' to 'Z' are converted to numeric values, the French government provides the following conversion table:

Example using account number 'A1234567890':

The letter 'A' is converted by applying the above table to '1', so the account number becomes '11234567890'.

A value for CD1 is formed by joining together the bank fields in the following way:

The Bank Number is concatenated with Branch Number concatenated to the converted Account Number.

To illustrate with the Bank Number as '12345', the Branch Number as '67890' and the converted Account Number as '11234567890'.

Then CD1 is created as '123456789011234567890'.

To this concatenated value, '00' is added as a suffix and the resulting value is divided by 97. The remainder obtained as result of this division is then subtracted from 97. The result of this subtraction is the calculated check digit.

In our example, suffixing '00' gives '12345678901123456789000'.

Dividing by 97 and deriving the remainder.

Mod (12345678901123456789000, 97) = 86

Subtract from 97.

97 - 86 = 11

If the user entered Check Digit is equal to this calculated value, then the validation is successful.

In the given example, as the user entered check digit is not '11', the check is not valid.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be of 8 numeric characters.

Optional.

If entered, then the length should be of 8 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 10 numeric characters.

If the length is less than 10, then it is converted to a 10 digit number by prefixing it with as many leading zeroes as is necessary.

Optional.

If a value is entered for the check digit, then it must be a single digit and must match the last digit of the Account Number.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be of 3 numeric characters.

Optional.

If entered, then the length should be of 4 numeric characters.

Length should be between 8 to 16 alphanumeric characters.

Optional.

If a value is entered for the check digit, then it must be a single digit.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be of 4 numeric characters.

Optional.

If entered, then the length should be of 4 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 18 numeric characters.

If the length is less than 18, then it is converted to a 18 digit number by prefixing it with as many leading zeroes as is necessary.

A check algorithm is applied on the Account Number.

Optional.

If a value is entered for the check digit, then it must be a single digit and must match the seventeenth digit of the Account Number.

Check Algorithm for Account Number

Check algorithm is performed against the Account Number (from digit 9 to 16). Each of these digits is multiplied with the factors as given in the following table:

These products are added and the sum is divided by 11. The remainder obtained as a result of this division is subtracted from 11 to obtain the calculated check digit. If remainder is 0, then calculated check digit is taken as 0.

This calculated check digit should match the entered check digit (seventeenth digit of the Account Number), else the Account Number is not valid.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be of 6 numeric characters.

Optional.

If entered, then the length should be of 6 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 8 numeric characters.

Optional.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be a maximum of 2 numeric characters.

Mandatory.

No validation.

Optional.

No validation.

Optional.

Length should be a maximum of 8 numeric characters.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be a maximum of 5 numeric characters.

Mandatory.

Length should be a maximum of 5 numeric characters.

Length should be a maximum of 12 alphanumeric characters.

Mandatory.

Length should be a single alphabetic character.

A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

The check digit is used to validate against the Bank Number, Branch Number, and Account Number. These are concatenated to obtain a 22 character string.

Each character is assigned a value depending upon whether the character is in an odd position or an even position in the string as given in the following table.

The first character on the left is an odd position.

The values assigned are added up and the sum is divided 26. The remainder obtained as a result of this division is converted into an alphabet as given in the following table:

Transformation Algorithm

This value should be the same as the user entered check digit or else the Check Digit validation fails.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be 4 numeric characters.

Mandatory.

Mandatory.

Length should be 3 numeric characters.

Mandatory.

Deposit Type should also be entered.

No validation.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be 3 numeric characters.

Optional.

If entered, then the length should be 3 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be 13 alphanumeric characters.

Optional.

If a value is entered for the check digit, then the length should be 2 numeric characters.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

No validation.

Two types of account numbers are validated:

If the first character of the account number is 'P' or 'G', this indicates a Post or Giro Account. For such account numbers, the format should be P or G followed by a maximum of 7 numeric characters.

For other account numbers, the length should be between 9 and 10 numeric characters.

A check algorithm is applied on the Account Number

No validation.

Check Algorithm for Non-Post or Giro Account Number

If the length is less than 10, then it is converted to a 10 digit number by prefixing it with as many leading zeroes as is necessary.

The Netherlands government provides the following factor table for each of the 10 digits:

These are multiplied and the sum of the products is calculated

If the result so obtained is perfectly divisible by 11 (that is, no remainder on division by 11), then the test is successful, else the account number entered is not valid.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Mandatory.

Optional.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

No validation.

Length should be of 11 numeric characters

A check algorithm is applied on the Account Number, if and only if digits 5 and 6 are not '00'.

For example, for Account Number, '12340012345', the check algorithm will not be applied but for Account Number '02056439653', the check algorithm will be applied as outlined below

No validation.

Check Algorithm for Account Number

The check digit is set as the last (that is, the 11th digit) of the Account Number.

For example, if the account number is '02056439653', then the check digit is set to '3'.

The Norwegian government provides the following factor table:

The first ten digits of the account number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using account number '02056439653':

Multiply each digit with the given factor.

So the computed sum for this example is 163.

The computed sum is then added to the check digit.

In the above example, 163 + 3 = 166.

Divide the result by 11.

166 / 11 = 15

Derive the remainder.

166 - (11 * 15) = 1

If the remainder is '0', then the validation is successful, else the check fails.

In the given example, the check fails the Account Number as the remainder is 1.

If the 11th digit of the Account Number was 2 (that is, the check digit would be 2), then the remainder would be 165 - (11 * 15) = 0 and the check on the Account Number would be successful.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, the length should be of 8 numeric characters.

Optional.

If entered, the length should be of 8 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 26 alphanumeric characters.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

Length should be of 4 numeric characters.

Mandatory.

Length should be of 4 numeric characters.

Length should be a maximum of 11 numeric characters.

Mandatory.

Length should be of 2 numeric characters.

A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

A check digit is formed (CD1) from the Bank Number, Branch Number, and Account Number by concatenating the three numbers.

For example, using Bank Number '1234', Branch Number '5678', and Account Number '12345678901'.

Then CD1 is set as '1234567812345678901'.

The Portuguese government provides the following factor table:

The nineteen digits of the created check digit (CD1) are multiplied by the associated factor. The multiple sum is then calculated by summing the totals.

Example using the above value for CD1 :

Divide the result by 97.

3794 / 97 = 39

Derive the remainder.

3794 - (39 * 97) = 11

CD1 is then derived by subtracting the remainder from 97.

97 - 11 = 86. So for this example CD1 = 86.

If the calculated value for CD1 is not the same as the user entered check digit, then the check digit fails the validation.

In the given example, unless the user entered check digit is '86', the validation will fail.

Validation Rules

The fields are checked for validity by adopting the following rules:

Mandatory.

If the bank number is less than 4 digits, then it is converted to a 4 digit number by prefixing it with as many leading zeroes as is necessary.

Mandatory.

Length should be a maximum of 4 numeric characters.

Length should be a maximum of 4 numeric characters.

Mandatory.

Length should be a maximum of 2 numeric characters.

A check algorithm is applied on the Check Digit.

Check Algorithm for Check Digit

Two check digits are calculated, CD1 from the Bank Number and Branch Number and CD2 from Account Number in the following manner; these are then used as the basis for the check digit validity test:

CD1

For the Bank Number, the Spanish government provides the following factor table:

The four digits of the Bank Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using Bank Number '1234':

Multiply each digit with the given factor.

So the computed sum for this example is 75.

For the Branch Number, the Spanish government provides the following factor table:

The four digits of the Branch Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using Branch Number '5678':

Multiply each digit with the given factor.

So the computed sum for this example is 156.

The computed sums from both the Bank Number and Branch Number calculations are then summed up.

From the above example, it is 75 + 156 = 231.

Divide the result by 11.

231 / 11 = 21

Derive the remainder.

231 - (11 * 21) = 0

CD1 is then derived by subtracting the remainder from 11. If difference is 11, then CD1 is 0 and if difference is 10, then CD1 is 1

11 - 0 = 11. So for this example, CD1 = 11 = 0.

CD2

For the Account Number, the Spanish government provides the following factor table:

The ten digits of the bank number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using account number '1234567890':

Multiply each digit with the given factor.

So the computed sum for this example is 280.

Divide the result by 11.

280 / 11 = 25

Derive the remainder.

280 - (11 * 25) = 5

CD2 is then derived by subtracting the remainder from 11.

11 - 5 = 6. So for this example CD2 = 6.

Check Digit Validity Test

The value in the user entered check digit field is compared to the calculated CD1 and CD2 using the following checks, if both of the checks are true, then the validation is unsuccessful.

Example of the test using the previously calculated CD1 and CD2:

Where CD1 = 0 and CD2 = 6 and suppose the user entered Check Digit Value is '05'. As CD2 does not match, the check digit is invalid.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be between 4 to 5 numeric characters.

Optional.

If entered, then the length should be between 4 to 5 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 16 numeric characters.

Length should be a single numeric character.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be between 3 to 5 numeric characters.

Optional.

If entered, then the length should be between 3 to 9 numeric characters.

Length should be of 16 numeric characters.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

Optional.

If entered, then the length should be 6 numeric characters.

Optional.

If entered, then the length should be 6 numeric characters.

If the Bank Number and Branch Number are entered, then both values must match.

Length should be a maximum of 8 numeric characters.

No validation.

Validation Rules

The fields are checked for validity by adopting the following rules:

No validation.

This field is labelled as 'Routing Transit Number'.

Length should be a maximum of 9 numeric characters.

If the length is less than 9, then it is converted to a 9 digit number by prefixing it with as many leading zeroes as is necessary.

Note that on padding the number to 9 digits, the first 8 digits cannot be all zeroes.

For example, 001 and 000007 are invalid Routing Transit Numbers because on padding to 9 digits, they become - 000000001, 000000007, and thus having 8 leading zeroes.

A check algorithm is applied on the Routing Transit Number.

No validation.

No validation.

Check Algorithm for Routing Transit Number

The ninth digit of the Number field is used to represent the Check Digit.

A calculated Check Digit is computed from the remaining 8 digits using Modulus 10 algorithm.

Multiply each digit in the Routing Transit Number by a weighting factor. The weighting factors for each digit areas given in the following table:

The digits of the Routing Transit Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Subtract the sum from the next highest multiple of 10. The result is the calculated Check Digit. This should be the same as the 9th digit of the Branch Number or Routing Transit Number, else the Branch Number or Routing Transit Number is invalid.

For Example:

So the Check Digit = 1 (110 minus 109)

In this example, the Routing Transit Number '076401251' will pass validation.

Unique Validation Rules

The unique key will be the combination of:

BANK

Bank Number, Country

Bank Name, Country

BRANCH

Bank ID, Branch Number

Bank ID, Branch Name

ACCOUNT

Bank Branch ID, Bank Account Number, Bank Account Name, Currency