Open Financial Exchange Specification 1.0.

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May 1, 2006

2006 CheckFree Corp., nt!it nc., Micro"oft Corp. #ll right" re"er$e%

Chapters 5 7

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Content"
5. INTERNATIONAL SUPPORT..............................................................................................................67 5.1 LANGUAGE AN EN!O "NG............................................................................................................ 6# 5.$ !U%%EN!& '!U% EF( '!U%%EN!&( 'O%"G!U%%EN!&(....................................................6# 5.3 !OUN)%&*S+E!"F"! )AG ,ALUES................................................................................................... 66. DATA SYNCHRONIZATION...............................................................................................................69 6.1 O,E%,"E...................................................................................................................................... 6/ 6.$ 0A!1G%OUN ................................................................................................................................ 6/ 6.3 A)A S&N!2%ON"3A)"ON A++%OA!2............................................................................................. #0 6.4 A)A S&N!2%ON"3A)"ON S+E!"F"!S...............................................................................................#1 6.5 !ONFL"!) E)E!)"ON AN %ESOLU)"ON........................................................................................#3 6.6 S&N!2%ON"3A)"ON ,S. %EF%ES2....................................................................................................#3 6.# )&+"!AL SE%,E% A%!2")E!)U%E FO% S&N!2%ON"3A)"ON..............................................................#4 6.- )&+"!AL !L"EN) +%O!ESS"NG OF S&N!2%ON"3A)"ON %ESUL)S.......................................................#6 6./ S"4UL)ANEOUS !ONNE!)"ONS....................................................................................................... #6 6.10 S&N!2%ON"3A)"ON AL)E%NA)",ES..............................................................................................## 6.10.1 Lite S5nch6oni7ation...................................................................................................................## 6.10.$ %elating S5nch6oni7ation an8 E66o6 %eco9e65...........................................................................#6.11 E:A4+LES................................................................................................................................... #/ 7. FI PROFILE.............................................................................................................................................81 #.1 O,E%,"E...................................................................................................................................... -1 #.1.1 4e;;age Set;.................................................................................................................................-1 #.1.$ ,e6;ion !ont6ol.............................................................................................................................-$ #.1.3 0atching an8 %o<ting...................................................................................................................-$ #.1.4 !lient Signon fo6 +6ofile %e=<e;t;................................................................................................-$ #.1.5 +6ofile %e=<e;t..............................................................................................................................-3 #.$ +%OF"LE %ES+ONSE........................................................................................................................ -3 #.$.1 4e;;age Set...................................................................................................................................-4 #.$.$ Signon %eal>;..............................................................................................................................-6 #.$.3 Stat<; !o8e;..................................................................................................................................-# #.3 +%OF"LE 4ESSAGE SE) +%OF"LE "NFO%4A)"ON...............................................................................-#

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&. nternational S!pport

&.1 'ang!age an% Enco%ing
4o;t of the content in Open Financial Exchange i; lang<age*ne<t6al. 2o?e9e6@ ;o>e e66o6 >e;;age;@ Aalance 8e;c6iption;@ an8 ;i>ila6 tag; contain text >eant to appea6 to the financial in;tit<tion c<;to>e6;. )he6e a6e al;o ca;e;@ ;<ch a; e*>ail 6eco68;@ ?he6e c<;to>e6; nee8 to ;en8 text in othe6 lang<age;. )o ;<ppo6t ?o6l8*?i8e lang<age;@ Open Financial Exchange ><;t i8entif5 the Aa;ic text enco8ing@ cha6acte6 ;et@ an8 lang<age. )he Open Financial Exchange hea8e6; ;pecif5 the enco8ing an8 cha6acte6 ;et@ a; 8e;c6iAe8 in !hapte6 $. !<66ent enco8ing 9al<e; a6e USAS!"" an8 UN"!O E. Fo6 USAS!""@ cha6acte6 ;et 9al<e; a6e co8e page;. UN"!O E igno6e; the cha6acte6 ;et per se altho<gh it ;till 6e=<i6e; the ;5ntax. Se69e6; ><;t 6e;pon8 ?ith the enco8ing an8 cha6acte6 ;et 6e=<e;te8 A5 the client. !lient; i8entif5 the lang<age in the ;ignon 6e=<e;t. Open Financial Exchange ;pecifie; lang<age; A5 th6ee*lette6 co8e; a; 8efine8 in "SO*63/. Se69e6; 6epo6t thei6 ;<ppo6te8 lang<age; in the p6ofile B;ee !hapte6 #C. "f a ;e69e6 cannot ;<ppo6t the lang<age 6e=<e;te8 A5 the client@ it ><;t 6et<6n an e66o6 an8 not p6oce;; the 6e;t of the t6an;action;.

&.2 C!rrency (C)*+EF, (C)**E-C., (O* /C)**E-C.,

"n each t6an;action in9ol9ing a>o<nt;@ 6e;pon;e; incl<8e a 8efa<lt c<66enc5 i8entification@ '!U% EF(. )he 9al<e; a6e Aa;e8 on the "SO*4$1# th6ee*lette6 c<66enc5 i8entifie6;. .ithin each t6an;action@ ;pecific pa6t; of the 6e;pon;e >ight nee8 to 6epo6t a 8iffe6ent c<66enc5. .he6e app6op6iate@ agg6egate; incl<8e an optional '!U%%EN!&( agg6egate. )he ;cope of a '!U%%EN!&( agg6egate i; e9e65thing ?ithin the ;a>e agg6egate that the '!U%%EN!&( agg6egate appea6; in@ incl<8ing ne;te8 agg6egate;@ <nle;; o9e66i88en A5 a ne;te8 '!U%%EN!&( agg6egate. Fo6 exa>ple@ ;pecif5ing a '!U%%EN!&( agg6egate in an in9e;t>ent ;tate>ent 8etail >ean; that the <nit p6ice@ t6an;action total@ co>>i;;ion@ an8 all othe6 a>o<nt; a6e in te6>; of the gi9en c<66enc5@ not the 8efa<lt c<66enc5. Note that the6e i; no ?a5 fo6 t?o o6 >o6e in8i9i8<al ele>ent; that 6ep6e;ent a>o<nt;Dan8 a6e 8i6ectl5 pa6t of the ;a>e agg6egateDto ha9e 8iffe6ent c<66encie;. Fo6 exa>ple@ the6e i; no ?a5 in a ;tate>ent 8o?nloa8 to ha9e a 8iffe6ent c<66enc5 fo6 the 'LE GE%0AL( an8 the 'A,A"L0AL(@ Aeca<;e the5 a6e Aoth 8i6ectl5 >e>Ae6; of 'S)4)%S(. "n >o;t ca;e;@ 5o< can <;e the optional '0AL( agg6egate; to o9e6co>e thi; li>itation@ ;ince '0AL( agg6egate; accept in8i9i8<al '!U%%EN!&( agg6egate;. )he 8efa<lt c<66enc5 fo6 a 6e=<e;t i; the c<66enc5 of the ;o<6ce acco<nt. Fo6 exa>ple@ the c<66enc5 fo6 '0AN1A!!)F%O4(.

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)he '!U%%A)E( ;ho<l8 Ae the one in effect th6o<gho<t the ;cope of the '!U%%EN!&( agg6egate. "t i; not nece;;a6il5 the c<66ent 6ate. Note that the '!U%%A)E( nee8; to taEe into acco<nt the choice of the F" fo6 fo6>atting of a>o<nt; Bthat i;@ ?he6e the 8eci>al i;C in Aoth 8efa<lt an8 o9e66i8ing c<66enc5@ ;o that a client can 8o >ath. )hi; can >ean that the 6ate i; a8F<;te8 A5 o68e6; of >agnit<8e B<p o6 8o?nC f6o> ?hat i; co>>onl5 6epo6te8 in ne?;pape6;.
Tag (C)**E-C., or (O* /C)**E-C., (C)**#0E, (C)*S.M, (1C)**E-C., or (1O* /C)**E-C., Description Currency aggregate Ratio of <CURDEF> currency to <CURSYM> currency, in decimal form, rate ISO- !"# $-letter currency identifier, A-3

"n ;o>e ca;e;@ Open Financial Exchange 8efine; t6an;action 6e;pon;e; ;o that a>o<nt; ha9e Aeen con9e6te8 to the ho>e c<66enc5. 2o?e9e6@ Open Financial Exchange allo?; F"; to optionall5 6epo6t the o6iginal a>o<nt an8 the o6iginal Bfo6eignC c<66enc5. "n the;e ca;e;@ t6an;action; incl<8e a ;pecific tag fo6 the o6iginal a>o<nt@ an8 then a 'O%"G!U%%EN!&( tag to 6epo6t the 8etail; of the fo6eign c<66enc5. Again@ '!U%%EN!&( >ean; that Open Financial Exchange has not con9e6te8 a>o<nt;. .he6ea;@ 'O%"G!U%%EN!&( >ean; that Open Financial Exchange has al6ea85 con9e6te8 a>o<nt;.

&.3 Co!ntry2Specific 0ag 3al!e"

So>e of the tag; in Open Financial Exchange ha9e 9al<e; that a6e co<nt65*;pecific. Fo6 exa>ple@ 'US+%O U!))&+E( i; <;ef<l onl5 ?ithin the Unite8 State;. Open Financial Exchange ?ill exten8 in each co<nt65 a; nee8e8 to p6o9i8e tag; that accept 9al<e; <;ef<l to that co<nt65. !lient; in othe6 co<nt6ie; that 8o not Eno? aAo<t the;e tag; ><;t ;i>pl5 ;Eip the>. "n ;o>e ca;e;@ a tag 9al<e 6ep6e;ent; a f<n8a>ental ?a5 of i8entif5ing ;o>ething@ 5et the6e 8oe; not exi;t a ?o6l8*?i8e ;tan8a68 fo6 ;<ch i8entification. Exa>ple; incl<8e AanE acco<nt; an8 ;ec<6itie;. "n the;e ca;e;@ Open Financial Exchange ><;t 8efine a ;ingle@ exten;iAle app6oach fo6 i8entification. Fo6 exa>ple@ !US"+; a6e <;e8 ?ithin the U.S.@ A<t not in othe6 co<nt6ie;. 2o?e9e6@ !US"+; a6e f<n8a>ental to 6elating in9e;t>ent ;ec<6itie;@ hol8ing;@ an8 t6an;action;. )h<;@ a ;ec<6it5 " con;i;t; of a t?o*pa6t agg6egateG one to i8entif5 the na>ing ;che>e@ an8 one to p6o9i8e a 9al<e. Open Financial Exchange ?ill 8efine 9ali8 na>ing ;che>e; a; nece;;a65 fo6 each co<nt65.

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6. +ata Synchroni4ation
6.1 O$er$ie5
!<66entl5@ ;o>e ;5;te>; p6o9i8e onl5 li>ite8 ;<ppo6t fo6 e66o6 6eco9e65 an8 no ;<ppo6t fo6 AacE<p file; o6 ><ltiple client;. )he Open Financial Exchange 8ata ;5nch6oni7ation app6oach 8e;c6iAe8 in thi; chapte6 han8le; all of the;e ;it<ation;. Open Financial Exchange 8efine; a po?e6f<l fo6> of 8ata ;5nch6oni7ation Aet?een client; an8 ;e69e6;. Open Financial Exchange 8ata ;5nch6oni7ation a886e;;e; the follo?ing p6oAle>;G E66o6 6eco9e65 U;e of ><ltiple client application; %e;to6ing f6o> a AacE<p file 4<ltiple 8ata file; Bfo6 exa>ple@ one cop5 at ho>e@ anothe6 at ?o6EC.

)hi; chapte6 fi6;t p6o9i8e; a A6ief AacEg6o<n8 of e66o6 6eco9e65 p6oAle>; an8 then p6e;ent; the Aa;ic ;t6ateg5 <;e8 in Open Financial Exchange to pe6fo6> 8ata ;5nch6oni7ation. Each Open Financial Exchange ;e69ice incl<8e; ;pecific 8etail; fo6 8ata ;5nch6oni7ation 6e=<e;t; an8 6e;pon;e;. 4o;t of the info6>ation in thi; chapte6 conce6n; 8ata ;5nch6oni7ation@ ;ince it i; a 6elati9el5 ne? concept. )he final ;ection in thi; chapte6 8i;c<;;e; alte6nati9e; to f<ll ;5nch6oni7ation@ an8 ;<>>a6i7e; the option; fo6 each.

6.2 6ackgro!n%
.hen a client Aegin; a connection ?ith a ;e69e6 fo6 ?hich the connection 8oe; not ;<cce;;f<ll5 co>plete@ the6e a6e t?o >ain p6oAle>;G Unconfi6>e8 6e=<e;t; "f a client 8oe; not 6ecei9e a 6e;pon;e to ?o6E it initiate;@ it ha; no ?a5 of Eno?ing ?hethe6 the ;e69e6 p6oce;;e8 the 6e=<e;t. "t al;o 8oe; not ha9e an5 ;e69e6*;<pplie8 info6>ation aAo<t the 6e=<e;t@ ;<ch a; a ;e69e6 " n<>Ae6. Un;olicite8 8ata So>e AanEing p6otocol; allo? a ;e69e6 to ;en8 8ata to the client ?hene9e6 the client >aEe; a connection. )hi; ;pecification a;;<>e; that the fi6;t client that call; in afte6 the <n;olicite8 8ata i; a9ailaAle fo6 8o?nloa8 6ecei9e; the 8ata. "f the connection fail;@ thi; info6>ation ?o<l8 Ae fo6e9e6 lo;t to the client. Exa>ple; of <n;olicite8 8ata incl<8e <p8ate; in the ;tat<; of a Aill pa5>ent an8 e*>ail 6e;pon;e;. Un;olicite8 8ata p6e;ent; p6oAle>; Ae5on8 e66o6 6eco9e65. 0eca<;e the fi6;t client that connect; to a ;e69e6 i; the onl5 one to 6ecei9e <n;olicite8 8ata@ thi; ;it<ation p6ecl<8e; <;e of ><ltiple client; ?itho<t a 8ata ;5nch6oni7ation >etho8. Fo6 exa>ple@ if a <;e6 ha; a co>p<te6 at ?o6E an8 one at ho>e@ an8 ?ant; to pe6fo6> online AanEing f6o> Aoth co>p<te6;@ a AanE ;e69e6 co<l8 ;en8 <n;olicite8 8ata to one A<t not the othe6.

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An e9en g6eate6 p6oAle> occ<6; ?hen a <;e6 6e;o6t; to a AacE<p cop5 of the client 8ata file. )hi; AacE<p file ?ill Ae >i;;ing 6ecent <n;olicite8 8ata ?ith no ?a5 to 6et6ie9e it f6o> the ;e69e6 once the ;e69e6 ;en8; it.

6.3 +ata Synchroni4ation #pproach

A ;i>ple ;ol<tion i; to >aEe ;<6e that client; can al?a5; oAtain info6>ation f6o> the ;e69e6 fo6 a 6ea;onaAle length of ti>e. !lient; can 6e=<e;t 6ecent 6e;pon;e;D?hethe6 8<e to client*initiate8 ?o6E o6 othe6 ;tat<; change; on the ;e69e6DA5 ;<ppl5ing the p6e9io<; en8point in the 6e;pon;e hi;to65. Se69e6; al?a5; ;<ppl5 a ne? en8point ?hene9e6 the5 ;<ppl5 6e;pon;e;. "f a client connection fail;Do6 a client 6ecei9e; a 6e;pon;e@ A<t c6a;he; Aefo6e <p8ating it; 8ataAa;eDthe client ?ill not ;a9e the ne? en8point. On the next ;5nch6oni7ation 6e=<e;t@ the ;e69e6 ;en8; the ;a>e info6>ation Bpl<; an5 f<6the6 ;tat<; change;C. "f a <;e6 ;?itche; to a AacE<p file@ again the client ?ill <;e the ol8e6 en8point in the ;5nch6oni7ation 6e=<e;t. "f ><ltiple client; a6e in <;e@ each ?ill ;en8 6e=<e;t; Aa;e8 on it; o?n en8point@ ;o that Aoth client; ?ill oAtain co>plete info6>ation f6o> the ;e69e6. )hi; i; one 6ea;on ?h5 Open Financial Exchange 6e;pon;e; ca665 eno<gh info6>ation f6o> the 6e=<e;t to enaAle the> to Ae p6oce;;e8 on thei6 o?n. )he 8iag6a> Aelo? ;ho?; the 6elation;hip Aet?een client; an8 ;e69e6;.

+#0# SE*3E*
%Financial In&titution'

Client &end& to-en .#

Client &end& to-en .

(ran&action ) (ran&action * (ran&action # (ran&action + (ran&action , (ran&action (ran&action $ (ran&action ! (ran&action "

Ser/er re&0ond& 1it2 tran&action& *-)

Ser/er re&0ond& 1it2 tran&action& ,-)

C' E-0 71
%Cu&tomer'

(ran&action # (ran&action + (ran&action , (ran&action (ran&action $ (ran&action ! (ran&action "

C' E-0 72
%Cu&tomer'

(ran&action (ran&action $ (ran&action ! (ran&action "

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Open Financial Exchange 6elie9e; the ;e69e6 f6o> >aintaining an5 ;pecial e66o6*6eco9e65 ;tate info6>ation. 2o?e9e6@ Open Financial Exchange 6e=<i6e; the ;e69e6 to >aintain a hi;to65 of in8i9i8<al 6e;pon;e; an8 a ?a5 to i8entif5 a po;ition in the hi;to65. )hi; " co<l8 Ae a ti>e ;ta>p@ o6 Ae Aa;e8 on it; exi;ting ;tate info6>ation. NOTE: Open Financial Exchange does not require servers to store responses based on individual connections. Also, not all requests are subject to synchronization. For example, Open Financial Exchange does not require servers to store statement-do nload responses separately !or data synchronization.

6.8 +ata Synchroni4ation Specific"

Open Financial Exchange 8oe; ;5nch6oni7ation ;epa6atel5 fo6 each t5pe of 6e;pon;e. "n a88ition@ a ;5nch6oni7ation 6e=<e;t >ight incl<8e f<6the6 i8entif5ing info6>ation@ ;<ch a; a ;pecific acco<nt n<>Ae6. )hi; ;pecification 8efine; the a88itional info6>ation fo6 each ;5nch6oni7ation 6e=<e;t. Each Open Financial Exchange ;e69ice i8entifie; the 6e;pon;e; that a6e ;<AFect to 8ata ;5nch6oni7ation. Fo6 exa>ple@ a AanE ;tate>ent*8o?nloa8 i; a 6ea8*onl5 ope6ation f6o> the ;e69e6. A client can 6e=<e;t again if it fail;H con;e=<entl5@ the6e i; no 8ata ;5nch6oni7ation fo6 thi; t5pe of 6e;pon;e. )he Aa;i; fo6 ;5nch6oni7ation i; a to"en a; 8efine8 A5 the ')O1EN( tag. )he ;e69e6 can c6eate a toEen in an5 ?a5 it ?i;he;. )he client ;i>pl5 hol8; the toEen fo6 po;;iAle <;e in a f<t<6e ;5nch6oni7ation 6e=<e;t. )he ;e69e6 can 8e6i9e a toEen f6o> one of the follo?ingG )i>e ;ta>p Se=<ential n<>Ae6 Uni=<e non*;e=<ential n<>Ae6 Othe6 con9enient 9al<e; fo6 a ;e69e6 NOTE: Open Financial Exchange reserves a #$O%E&' value o! zero !or the !irst time each type o! response does a synchronization tas". !lient; ?ill ;en8 a ')O1EN( of 7e6o on thei6 fi6;t ;5nch6oni7ation 6e=<e;t. Se69e6; ;ho<l8 ;en8 all a9ailaAle hi;to65@ allo?ing a ne? client to Eno? aAo<t ?o6E 8one A5 othe6 client;. "f a <;e6I; acco<nt ha; ne9e6 Aeen <;e8 ?ith Open Financial Exchange@ the ;e69e6 6et<6n; no hi;to65. Se69e6; ;ho<l8 6et<6n ')O1EN(J1 Bnegati9e oneC in the e9ent the5 ><;t 6e;pon8 ?ith an e66o6. )he ;e69e6 can <;e 8iffe6ent t5pe; of toEen; fo6 8iffe6ent t5pe; of 6e;pon;e;@ if ;<itaAle fo6 the ;e69e6. )oEen; can contain <p to 10 alphan<>e6ic cha6acte6;H ;ee !hapte6 3@ K!o>>on Agg6egate;@ Ele>ent;@ an8 ata )5pe;.L )oEen; nee8 to Ae <ni=<e onl5 ?ith 6e;pect to the t5pe of ;5nch6oni7ation 6e=<e;t an8 the a88itional info6>ation in that 6e=<e;t. Fo6 exa>ple@ a Aill pa5>ent ;5nch6oni7ation 6e=<e;t taEe; an acco<nt n<>Ae6H the6efo6e@ a toEen nee8; to Ae <ni=<e onl5 ?ithin pa5>ent; fo6 the acco<nt. Se69e6; ?ill not ha9e infinite hi;to65 a9ailaAle@ ;o ;5nch6oni7ation 6e;pon;e; can optionall5 incl<8e a 'LOS)S&N!( ele>ent ?ith a 9al<e of & B5e;C if the ol8 toEen in the ;5nch6oni7ation 6e=<e;t ?a; ol8e6 than the ea6lie;t a9ailaAle hi;to65. )hi; tag allo?; client; to ale6t <;e6; that ;o>e 6e;pon;e; ha9e Aeen lo;t.

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NOTE: $o"ens are unrelated to #$(&)*+'s, #,(-($*+'s, and #F*$*+'s, each o! hich serves a speci!ic purpose and has its o n scope and li!etime. A 'S%,%)" ( i; not app6op6iate a; a ')O1EN( fo6 Aill pa5>ent. A ;ingle pa5>ent ha; a ;ingle 'S%,%)" (@ A<t it can <n8e6go ;e9e6al ;tate change; o9e6 it; life an8 th<; ha9e ;e9e6al ent6ie; in the toEen hi;to65. )he6e a6e th6ee 8iffe6ent ?a5; a client an8 a ;e69e6 can con8<ct thei6 6e=<e;t; an8 6e;pon;e;G Explicit ;5nch6oni7ation J A client can 6e=<e;t ;5nch6oni7ation ?itho<t ;en8ing an5 othe6 Open Financial Exchange 6e=<e;t;. )he client ;en8; a ;5nch6oni7ation 6e=<e;t@ incl<8ing the c<66ent toEen fo6 that 6e=<e;t. )he 6e;pon;e incl<8e; 6e;pon;e; >o6e 6ecent than the gi9en toEen@ along ?ith a ne? toEen. S5nch6oni7ation ?ith ne? 6e=<e;t; J A client can 6e=<e;t ;5nch6oni7ation a; pa6t an5 ne? 6e=<e;t; it ha;. )he client gi9e; the ol8 toEen. )he 6e;pon;e incl<8e; 6e;pon;e; to the ne? 6e=<e;t; pl<; an5 othe6; that Aeca>e a9ailaAle ;ince the ol8 toEen@ along ?ith a ne? toEen. An agg6egate contain; the 6e=<e;t; ;o that the ;e69e6 can p6oce;; the ne? 6e=<e;t; an8 <p8ate the toEen a; an ato>ic action. Ne? 6e=<e;t; ?itho<t ;5nch6oni7ation J A client can >aEe ne? 6e=<e;t; ?itho<t p6o9i8ing the ol8 toEen. "n thi; ca;e@ it expect; F<;t 6e;pon;e; to the ne? 6e=<e;t;. A ;<A;e=<ent 6e=<e;t fo6 ;5nch6oni7ation ?ill ca<;e the ;e69e6 to ;en8 the ;a>e 6e;pon;e again@ Aeca<;e the client 8i8 not <p8ate it; toEen.

Each 6e=<e;t an8 6e;pon;e that 6e=<i6e; 8ata ;5nch6oni7ation ?ill 8efine a ;5nch6oni7ation agg6egate. )he agg6egate tell; the ;e69e6 ?hich Ein8 of 8ata it ;ho<l8 ;5nch6oni7e. 05 con9ention@ the;e agg6egate; al?a5; ha9e S&N! a; pa6t of thei6 tag na>e;@ fo6 exa>ple@ '+4) SYNC%M(. &o< can <;e the;e agg6egate; on thei6 o?n to pe6fo6> explicit ;5nch6oni7ation@ o6 a; ?6appe6; a6o<n8 one o6 >o6e ne? t6an;action;. Fo6 exa>ple@ 5o< can <;e '+4)S&N!%M( agg6egate; to 6e=<e;t ;5nch6oni7ation in co>Aination ?ith ne? ?o6E. &o< can <;e the '+4))%N%M( A5 it;elf if 5o< 8o not 6e=<i6e ;5nch6oni7ation. So>e client; can choo;e to pe6fo6> an explicit ;5nch6oni7ation Aefo6e ;en8ing an5 ne? 6e=<e;t; B?ith o6 ?itho<t ;5nch6oni7ationC. )hi; p6actice allo?; client; to Ae <p*to*8ate an8 po;;iAl5 inte6act ?ith the <;e6 Aefo6e ;en8ing an5 ne? 6e=<e;t;. Othe6 client; can ;i>pl5 ;en8 ne? 6e=<e;t; a; pa6t of the ;5nch6oni7ation 6e=<e;t. "f a client ;5nch6oni7e; in one file@ then ;en8; ne? ?o6E in;i8e a ;5nch6oni7ation 6e=<e;t in a ;econ8 file@ the6e i; a ;>all chance that a88itional 6e;pon;e; Aeco>e a9ailaAle Aet?een the t?o connection;. )he6e i; e9en a ;>alle6 chance that the;e ?o<l8 Ae conflicting 6e=<e;t;@ ;<ch a; >o8ification; to the ;a>e oAFect. 2o?e9e6@ ;o>e client; an8 ;o>e 6e=<e;t; >ight 6e=<i6e aA;ol<te cont6ol@ ;o that the <;e6 can Ae ce6tain that the5 a6e changing Eno?n 8ata. )o ;<ppo6t thi;@ ;5nch6oni7ation 6e=<e;t; can optionall5 ;pecif5 '%ENE!)"F4"SS"NG( ele>ent. )he tag tell; a ;e69e6 that it ;ho<l8 6eFect all enclo;e8 6e=<e;t; if the ;<pplie8 ')O1EN( i; o<t of 8ate be!ore considering the ne requests. )hat i;@ if an5 ne? 6e;pon;e; Aeca>e a9ailaAle@ ?hethe6 6elate8 to the inco>ing 6e=<e;t; o6 not BA<t pa6t of the ;cope of the ;5nch6oni7ation 6e=<e;tC@ the ;e69e6 ;ho<l8 i>>e8iatel5 6eFect the 6e=<e;t;. "t ;ho<l8 ;till 6et<6n the ne? 6e;pon;e;. A client can then t65 again <ntil it fin8; a ;taAle ?in8o? to ;<A>it the ?o6E. See ;ection 6.5 fo6 >o6e info6>ation aAo<t conflict 8etection an8 6e;ol<tion. )he pa;;?o68 change 6e=<e;t an8 6e;pon;e p6e;ent a ;pecial p6oAle>. See ;ection $.5.$ fo6 f<6the6 info6>ation.

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6.& Conflict +etection an% *e"ol!tion

!onflict; a6i;e ?hene9e6 t?o o6 >o6e <;e6; o6 ;e69e6; >o8if5 the ;a>e 8ata. )hi; can happen to an5 oAFect that ha; a 'S%,%)" ( that ;<ppo6t; change o6 8elete 6e=<e;t;. Fo6 exa>ple@ one ;po<;e an8 the othe6 >ight in8epen8entl5 >o8if5 the ;a>e 6ec<66ing Aill pa5>ent >o8el. F6o> a ;e69e6 pe6;pecti9e@ the6e i; <;<all5 no ?a5 to 8i;ting<i;h Aet?een the ;a>e <;e6 >aEing t?o inten8e8 change; an8 t?o ;epa6ate <;e6; >aEing pe6hap; <ninten8e8 change;. )he6efo6e@ Open Financial Exchange p6o9i8e; eno<gh tool; to allo? client; to ca6ef<ll5 8etect an8 6e;ol9e conflict;. Open Financial Exchange 6e=<i6e; onl5 that a ;e69e6 p6oce;; ato>icall5 all 6e=<e;t; in a ;ingle 'OF:( AlocE. A ca6ef<l client al?a5; ;5nch6oni7e; Aefo6e ;en8ing an5 ne? 6e=<e;t;. "f an5 6e;pon;e; co>e AacE that co<l8 affect a <;e6I; pen8ing 6e=<e;t;@ the client can a;E the <;e6 ?hethe6 it ;ho<l8 ;till ;en8 tho;e pen8ing 6e=<e;t;. 0eca<;e the6e i; a ;>all chance fo6 a88itional ;e69e6 action; to occ<6 Aet?een the initial ;5nch6oni7ation 6e=<e;t an8 ;en8ing the <;e6I; pen8ing 6e=<e;t;@ ext6e>el5 ca6ef<l client; can <;e the '%ENE!)"F4"SS"NG( ele>ent. !lient; can ite6ate ;en8ing pen8ing 6e=<e;t; in;i8e a ;5nch6oni7ation 6e=<e;t ?ith '%ENE!)"F4"SS"NG( an8 te;ting the 6e;pon;e; to ;ee if the5 conflict ?ith pen8ing 6e=<e;t;. A client can contin<e to 8o thi; <ntil a ?in8o? of ti>e exi;t; ?he6ein the client i; the onl5 agent t65ing to >o8if5 the ;e69e6. "n 6ealit5@ thi; ?ill al>o;t al?a5; ;<ccee8 on the fi6;t t65.

6.6 Synchroni4ation $". *efre"h

)he6e a6e ;o>e ;it<ation;@ an8 ;o>e t5pe; of client;@ fo6 ?hich it i; p6efe6aAle that the client a;E the ;e69e6 to ;en8 e9e65thing it Eno?;@ 6athe6 than F<;t a ;et of change;. Fo6 exa>ple@ a client that ha; not connecte8 often eno<gh >a5 ha9e lo;t ;5nch6oni7ation. O6@ the <;e6 >ight Ae <;ing a co>pletel5 ;tatele;; client@ ;<ch a; a ?eA A6o?;e6. NOTE: Open Financial Exchange does not require a client to re!resh just because it has lost synchronization. !lient; ?ill >ainl5 ?ant to 6ef6e;h li;t; of long*li9e8 oAFect; on the ;e69e6H gene6all5 oAFect; ?ith a 'S%,%)" (. Fo6 exa>ple@ Open Financial Exchange +a5>ent; ha; Aoth in8i9i8<al pa5>ent; an8 >o8el; of 6ec<66ing pa5>ent;. A A6an8 ne? client@ o6 a client that lo;t ;5nch6oni7ation@ >ight ?ant to lea6n aAo<t in*p6og6e;; pa5>ent; A5 8oing a ;5nch6oni7ation 6ef6e;h of the pa5>ent 6e=<e;t;. "t ?o<l8 al>o;t ce6tainl5 ?ant to 8o a ;5nch6oni7ation 6ef6e;h of the 6ec<66ing pa5>ent >o8el;@ Aeca<;e the;e often li9e fo6 >onth; o6 5ea6;. A client >ight not pe6fo6> a ;5nch6oni7ation 6ef6e;h on e*>ail 6e;pon;e;. A client can 6e=<e;t a 6ef6e;h A5 <;ing the '%EF%ES2( tag ?ith 9al<e of & in;tea8 of the ')O1EN( tag. Se69e6 8e;c6iption; 8etail the exact Aeha9io6 that ;e69e6; ;ho<l8 follo?. 2o?e9e6@ the gene6al 6<le i; that ;e69e6; ;ho<l8 ;en8 6e;pon;e; that e><late a client c6eating o6 a88ing each of the oAFect; go9e6ne8 A5 the pa6tic<la6 ;5nch6oni7ation 6e=<e;t. "n the;e ca;e;@ ;e69e6; ;et ')%NU" ( to 7e6oH the ;tan8a68 9al<e fo6 ;e69e6*gene6ate8 6e;pon;e;. )he6e i; no nee8 to 6ec6eate a ;t6ea> of 6e;pon;e; that e><late the enti6e hi;to65 of the oAFect@ F<;t an a88 6e;pon;e that 6eflect; the c<66ent ;tate. Fo6 exa>ple@ if 5o< c6eate a >o8el an8 then >o8if5 it th6ee ti>e;@ e9en if thi; hi;to65 ?o<l8 ha9e Aeen a9ailaAle fo6 a 6eg<la6 ;5nch6oni7ation@ ;e69e6; ;ho<l8 onl5 ;en8 a ;ingle a88 that 6eflect; the c<66ent ;tate.

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A client that ?ant; onl5 the c<66ent toEen@ ?itho<t 6ef6e;h o6 ;5nch6oni7ation@ >aEe; 6e=<e;t; ?ith ')O1ENONL&( an8 a 9al<e of &. "n all ca;e;@ ;e69e6; ;ho<l8 ;en8 the c<66ent en8ing ')O1EN( fo6 the ;5nch6oni7ation 6e=<e;t in 6ef6e;h 6e;pon;e;. )hi; allo?; a client to pe6fo6> 6eg<la6 ;5nch6oni7ation 6e=<e;t; in the f<t<6e. )he follo?ing taAle ;<>>a6i7e; the option; in a client ;5nch6oni7ation 6e=<e;tG
Tag Client &ync2roni3ation o0tion4 <(O5E6>, <(O5E6O67Y>, or <REFRES8> <(O5E6> <(O5E6O67Y> <REFRES8> (*E9EC0 FM SS -/, 9re/iou& /alue of <(O5E6> recei/ed for t2i& ty0e of &ync2roni3ation re:ue&t from &er/er4 ; for fir&t-time re:ue&t&4 token Re:ue&t for <u&t t2e current <(O5E6> 1it2out t2e 2i&tory, Boolean Re:ue&t for refre&2 of current &tate, Boolean If Y, do not 0roce&& re:ue&t& if client <(O5E6> i& out of date, Boolean Description

6.: 0ypical Ser$er #rchitect!re for Synchroni4ation

)hi; ;ection 8e;c6iAe; ho? an F" can app6oach ;<ppo6ting ;5nch6oni7ation Aa;e8 on the a;;<>ption that >o8ification; to an exi;ting financial ;e69e6 ?ill Ae Eept to a >ini><>. )he ;i>ple;t app6oach i; to c6eate a hi;to65 8ataAa;e ;epa6ate f6o> the exi;ting ;e69e6. )hi; hi;to65 co<l8 con;i;t of the act<al Open Financial Exchange t6an;action 6e;pon;e; B')%N%S( agg6egate;C that a6e a9ailaAle to a ;5nch6oni7ation 6e=<e;t. )he hi;to65 8ataAa;e co<l8 in8ex 6eco68; A5 toEen@ 6e;pon;e t5pe@ an8 an5 othe6 i8entif5ing info6>ation fo6 that t5pe@ ;<ch a; acco<nt n<>Ae6.

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#4

)he 8iag6a> Aelo? ;ho?; a high*le9el >o8el of the Open Financial Exchange a6chitect<6e fo6 a financial in;tit<tion. Notice that the 8iag6a> ;ho?; the p6e;ence of a hi;to65 Fo<6nal.

Client

F -#-C #' -S0 0)0 OE-3 *O-ME-0

(eller Ser/ice& -0E*-E0 OF; Ser$er

(ran&action Manager >an- Ser/er Synchroni4ation *e=!e"t1*e"pon"e

------------------------------------------------------=ccount Record& <i"tory 9o!rnal

)he ;e69e6 a88; 6e;pon;e; to the hi;to65 Fo<6nal fo6 an5 action that taEe; place on the exi;ting ;e69e6. )hi; i; t6<e ?hethe6 the Open Financial Exchange 6e=<e;t; initiate the action o6@ in the ca;e of 6ec<66ing pa5>ent;@ it happen; a<to>aticall5 on the ;e69e6. Once a88e8 to the hi;to65 Fo<6nal@ the ;e69e6 can fo6get the>. )he a6ea; of the Open Financial Exchange ;e69e6 that p6oce;; ;5nch6oni7ation 6e=<e;t; nee8 onl5 ;ea6ch thi; hi;to65 8ataAa;e fo6 >atching 6e;pon;e; that a6e >o6e 6ecent than the inco>ing toEen. Fo6 a 6ef6e;h 6e=<e;t@ an Open Financial Exchange ;e69e6 ?o<l8 acce;; the act<al AanE ;e69e6 to oAtain the c<66ent ;tate 6athe6 than 6ecent hi;to65. +e6io8icall5 the AanE ;e69e6 ?o<l8 p<6ge the hi;to65 ;e69e6 of ol8e6 ent6ie;.

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#5

Onl5 6e=<e;t; that a6e ;<AFect to ;5nch6oni7ation nee8 to ha9e ent6ie; in the hi;to65 8ataAa;e. State>ent 8o?nloa8; 8o not in9ol9e ;5nch6oni7ationH the6efo6e@ the F" ;e69e6 ;ho<l8 not a88 the;e 6e;pon;e; to the hi;to65 8ataAa;e. Since ;tate>ent 8o?nloa8; a6e <;<all5 the la6ge;t in ;pace an8 the >o;t f6e=<ent@ eli>inating the;e ;a9e; ><ch of the ;pace a 6e;pon;e hi;to65 >ight othe6?i;e 6e=<i6e. 4o6e ;ophi;ticate8 i>ple>entation; can ;a9e e9en >o6e ;pace. )he hi;to65 8ataAa;e co<l8 ;a9e 6e;pon;e; in a co8e8 Aina65 fo6> that i; >o6e co>pact than the f<ll Open Financial Exchange 6e;pon;e fo6>at. So>e F"; >ight ha9e ><ch o6 all of the nece;;a65 8ata al6ea85 in thei6 ;e69e6;H con;e=<entl5@ the5 ?o<l8 not 6e=<i6e ne? 8ata. An F" co<l8 6egene6ate ;5nch6oni7ation 6e;pon;e; 6athe6 than 6ecall the> f6o> a 8ataAa;e.

6.> 0ypical Client ?roce""ing of Synchroni4ation *e"!lt"

)he 8iag6a> Aelo? ;ho?; a gene6al flo?cha6t of ?hat an Open Financial Exchange client ?o<l8 8o ?ith the 6e;<lt; of a ;5nch6oni7ation 6e=<e;t. 4o;t 6e=<e;t; an8 6e;pon;e; ;<AFect to 8ata ;5nch6oni7ation contain Aoth ')%NU" ( an8 'S%,%)" (.

The respo se !s " #o$!%!&"'!o or &h" (e ! s'"')s. oe; the 'S%,%)" ( in thi; 6e;pon;e >atch one al6ea85 6eco68e8 A5 the clientO No The respo se !s " e* 'r" s"&'!o &re"'e$ +, " o'her &-!e '. .a; the ')%NU" ( 6et<6ne8 in the 6e;pon;e c6eate8 A5 thi; clientO &e; The respo se !s 'o " "$$ re.)es' %ro# 'h!s &-!e '. )hi; i; a 6e;pon;e to a 6e=<e;t initiate8 A5 thi; client. )he client ;ho<l8 6eco68 the a;;ociate8 'S%,%)" (@ if 6e;pon;e ;tat<;PSU!!ESS No !lient a88; the t6an;action to it; local li;t of t6an;action;. &e; !lient applie; all <p8ate8 info6>ation to it; cop5 of the >atching t6an;action.

6.@ SiA!ltaneo!" Connection"

"t i; inc6ea;ingl5 co>>on that a ;e69e6 can get ;i><ltaneo<; o6 o9e6lapping 6e=<e;t; f6o> the ;a>e <;e6 o9e6 t?o 8iffe6ent co>p<te6;. Open Financial Exchange 6e=<i6e; a ;e69e6 to p6oce;; each ;et of 6e=<e;t;

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;ent in a file a; an ato>ic action. Se69e6; can 8eal ?ith the p6oAle>; that a6i;e ?ith ;i><ltaneo<; <;e in t?o ?a5;G Allo? ;i><ltaneo<; connection;@ en;<6e each i; p6oce;;e8 ato>icall5@ an8 <;e the 8ata ;5nch6oni7ation >echani;> to A6ing the t?o client; <p to 8ate. )hi; i; the p6efe66e8 >etho8. LocE o<t all A<t one <;e6 at a ti>e@ 6et<6ning the e66o6 co8e 15501 fo6 ><ltiple <;e6;.

6.10Synchroni4ation #lternati$e"
Altho<gh it i; RECO//ENDED that Open Financial Exchange ;e69e6; i>ple>ent f<ll ;5nch6oni7ation a; 8e;c6iAe8 in thi; chapte6@ an alte6nate app6oach@ Klite ;5nch6oni7ation@L co<l8 Ae ea;ie6 fo6 ;o>e ;e69e6; to ;<ppo6t. )hi; app6oach foc<;e; onl5 on e66o6 6eco9e65 an8 8oe; not p6o9i8e an5 ;<ppo6t fo6 ><ltiple client;@ ><ltiple 8ata file;@ o6 <;e of AacE<p file;. )he app6oach i; to p6e;e69e the >e;;age ;et; ?hile ;i>plif5ing the i>ple>entation. "n a88ition@ ;o>e client; >ight p6efe6 to <;e 6e;pon;e*file Aa;e8 e66o6 6eco9e65 ?ith all ;e69e6;@ e9en if the client an8 ;o>e ;e69e6; ;<ppo6t f<ll ;5nch6oni7ation. )hi; ;ection fi6;t 8e;c6iAe; lite ;5nch6oni7ation@ an8 then explain; the 6<le; that client; an8 ;e69e6; <;e to 8eci8e ho? to co>><nicate.

6.10.1

'ite Synchroni4ation

Lite ;5nch6oni7ation 6e=<i6e; ;e69e6; to accept all ;5nch6oni7ation >e;;age;@ A<t 8oe; not 6e=<i6e the> to Eeep an5 hi;to65 o6 toEen;. %e;pon;e; nee8 to Ae ;ent onl5 once an8 then the ;e69e6 can fo6get the>. %e;pon;e; to client 6e=<e;t;@ ?hethe6 o6 not the5 a6e >a8e in;i8e a ;5nch6oni7ation 6e=<e;t@ a6e p6oce;;e8 no6>all5. %e;pon;e; that 6ep6e;ent ;e69e6*initiate8 ?o6E@ ;<ch a; pa5>ent 6e;pon;e; that a6i;e f6o> 6ec<66ing pa5>ent;@ a6e ;ent onl5 in 6e;pon;e to ;5nch6oni7ation 6e=<e;t;. A ;e69e6 8oe; not ha9e to hol8 6e;pon;e; in ca;e a ;econ8 client >aEe; a ;5nch6oni7ation 6e=<e;t. 0eca<;e f<ll ;5nch6oni7ation ;<ppo6t; e66o6 6eco9e65@ an alte6nati9e i; nee8e8 fo6 lite ;5nch6oni7ation. Se69e6; <;ing lite ;5nch6oni7ation Eeep a cop5 of the enti6e 6e;pon;e file the5 la;t ;ent. !lient; 6e=<e;ting that ;e69e6; p6epa6e fo6 e66o6 6eco9e65 gene6ate a gloAall5 <ni=<e " fo6 each file the5 ;en8. "n the OF: hea8e6;@ the6e a6e t?o tag; a;;ociate8 ?ith e66o6 6eco9e65G OL F"LEU" J U" of the la;t 6e=<e;t an8 6e;pon;e that ?a; ;<cce;;f<ll5 6ecei9e8 an8 p6oce;;e8 A5 the client NE.F"LEU" J U" of the c<66ent file

)he fo6>at of the;e i; the ;a>e a; <;e8 ?ith ')%NU" ( a; 8oc<>ente8 in Section@ $.4.6. Se69e6; <;e the follo?ing 6<le;G "f OL F"LEU" i; ;et to NONE@ the client i; not 6e=<e;ting file*Aa;e8 e66o6 6eco9e65 fo6 thi; ;e;;ion. )he ;e69e6 8oe; not nee8 to ;a9e the 6e;pon;e file. "n a88ition@ ;ince the client i; not ;pecif5ing a p6e9io<; file that can no? Ae co>>itte8@ the ;e69e6 ;ho<l8 not ;ea6ch fo6 a 6e;pon;e file to 8elete. Optionall5@ a ;e69e6 can choo;e to te;t fo6 a client e66o6 A5 checEing ?hethe6 NE.F"LEU" >atche; a p6e9io<; 6e=<e;t file. "f NE.F"LEU" >atche; a p6e9io<; 6e=<e;t file@ A<t the client 8i8 not ;en8 an OL F"LEU" @ the client ha; co>>itte8 an e66o6. "n thi; ca;e@ the ;e69e6 ;ho<l8 6epo6t a gene6al e66o6. "f the client ;ent OL F"LEU" an8 NE.F"LEU" @ an8 NE.F"LEU" >atche; a p6e9io<; 6e=<e;t file@ the client i; 6e=<e;ting e66o6 6eco9e65. )he ;e69e6 ;ho<l8 ;en8 the >atching ;a9e8 6e;pon;e file. )he 6e=<e;t file i8entifie8 A5 the NE.F"LU" ><;t contain exactl5 the ;a>e ;et of t6an;action; a; the p6e9io<; 6e=<e;t file. Se69e6; ;ho<l8 6eFect the 6e=<e;t file if it contain;

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##

ne? o6 >o8ifie8 t6an;action;. NO)EG !lient; ;ho<l8 8i;allo? +"N!2 t6an;action; 8<6ing e66o6 6eco9e65. "f the client ;ent OL F"LEU" an8 NE.F"LEU" @ an8 OL F"LEU" >atche; a file ;a9e8 on the ;e69e6@ then OL F"LEU" i; a file that the client ha; ;<cce;;f<ll5 p6oce;;e8 an8 the ;e69e6 can 8elete it. )he client i; al;o 6e=<e;ting that the 6e;pon;e fo6 the c<66ent file Ae ;a9e8 <n8e6 the NE.F"LEU" fo6 po;;iAle e66o6 6eco9e65.

A ;e69e6 ?ill ne9e6 nee8 to ;a9e >o6e than one file pe6 client 8ata file@ A<t Aeca<;e of po;;iAle ><lti*client o6 ><lti*8ata file <;age@ it >ight nee8 to ;a9e ;e9e6al file; fo6 a gi9en <;e6. A ;e69e6 ;ho<l8 ;a9e file; fo6 a; long a; po;;iAle@ A<t not in8efinitel5. A ;e69e6 cannot 6ecogni7e an e66o6 6eco9e65 atte>pt if it co>e; afte6 it ha; p<6ge8 the e66o6 6eco9e65 file. A ;e69e6 ?o<l8 p6oce;; it a; a ne? 6e=<e;t. "n thi; ca;e@ a ;e69e6 ;ho<l8 6ecogni7e 8<plicate t6an;action U" ; fo6 client*initiate8 ?o6E@ ;<ch a; pa5>ent;@ an8 then 6eFect the> in8i9i8<all5. Se69e6*gene6ate8 6e;pon;e; ?o<l8 Ae lo;t to the client. Fo6 a ;e69e6 acc<;to>e8 to ;en8ing <n;olicite8 6e;pon;e;@ lite ;5nch6oni7ation ;ho<l8 clo;el5 >atch the c<66ent 6e;pon;e*file Aa;e8 i>ple>entation. )he onl5 8iffe6ence i; that a ;e69e6 ;ho<l8 hol8 the <n;olicite8 6e;pon;e; <ntil the client >aEe; the fi6;t app6op6iate ;5nch6oni7ation 6e=<e;tH 6athe6 than a<to>aticall5 a88ing the> to an5 6e;pon;e file. Once a88e8@ the ;e69e6 can >a6E the> a; 8eli9e6e8@ 6el5ing on e66o6 6eco9e65 to in;<6e act<al 8eli9e65.

6.10.2

*elating Synchroni4ation an% Error *eco$ery

!lient an8 ;e69e6 8e9elope6; ;ho<l8 fi6;t 8eci8e ?hethe6 o6 not the5 ?ill ;<ppo6t f<ll ;5nch6oni7ation. "f the5 can@ then the5 can ;<ppo6t 6e;pon;e*file e66o6 6eco9e65 a; ?ell@ o6 the5 can 6el5 on ;5nch6oni7ation to pe6fo6> e66o6 6eco9e65. "f the5 a8opt onl5 lite ;5nch6oni7ation@ Open Financial Exchange 6e=<i6e; 6e;pon;e*file e66o6 6eco9e65. A ;e69e6 8e;c6iAe; each of the;e choice; in it; ;e69e6 p6ofile 6eco68;. )he follo?ing co>Aination; a6e 9ali8G F<ll ;5nch6oni7ation ?ith 6e;pon;e*file e66o6 6eco9e65 F<ll ;5nch6oni7ation ?itho<t ;epa6ate 6e;pon;e*file e66o6 6eco9e65 Lite ;5nch6oni7ation ?ith 6e;pon;e*file e66o6 6eco9e65

!lient; 6e=<e;t 6e;pon;e*file e66o6 6eco9e65 A5 incl<8ing the ol8 an8 ne? ;e;;ion U" ; in the hea8e6. "f the5 a6e ;et to NONE@ ;e69e6; nee8 not ;a9e the 6e;pon;e file fo6 e66o6 6eco9e65. !lient; 6e=<e;t ;5nch6oni7ation A5 <;ing tho;e ;5nch6oni7ation 6e=<e;t; 8efine8 th6o<gho<t thi; ;pecification.

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6.11ExaAple"
2e6e i; an exa>ple of f<ll ;5nch6oni7ation <;ing Aill pa5>ent a; the ;e69ice. Open Financial Exchange +a5>ent; p6o9i8e; t?o 8iffe6ent ;5nch6oni7ation 6e=<e;t; an8 6e;pon;e;@ each ?ith thei6 o?n toEenH one fo6 pa5>ent 6e=<e;t; an8 one fo6 6epeating pa5>ent >o8el 6e=<e;t;. Note that the;e ;i>plifie8 exa>ple; 8o not incl<8e the o<te6 'OF:( la5e6@ 'S"GNON(@ an8 ;o fo6th. C-!e ' A re.)es's s, &hro !0"'!o 1
<PMTSYNCRQ> <TOKEN>123 <REJECTIFMISSING>N <BANKACCTFROM> <BANKID>121000248 <ACCTID>123456789 <ACCTTYPE>C ECKING <!BANKACCTFROM> <!PMTSYNCRQ>

The ser2er se $s ! respo se1

<PMTSYNCRS> <TOKEN>125 <"OSTSYNC>N <BANKACCTFROM> <BANKID>121000248 <ACCTID>123456789 <ACCTTYPE>C ECKING <!BANKACCTFROM> <PMTTRNRS> <TRN#ID>123 <STAT#S> $$$%&'(')&%*+'(,-& <!STAT#S> <PMTRS> $$$%*+'(,-&%./%(%0(12+/'%3+&0./&+ <!PMTRS> <!PMTTRNRS> <PMTTRNRS> <TRN#ID>546 <STAT#S> $$$%&'(')&%*+'(,-& <!STAT#S> <PMTRS> $$$%*+'(,-&%./%(/.'4+3%0(12+/'%3+&0./&+ <!PMTRS> <!PMTTRNRS> <!PMTSYNCRS>

!lient A ?a; >i;;ing t?o pa5>ent 6e;pon;e;@ ?hich the ;e69e6 p6o9i8e;. At thi; point@ client A i; ;5nch6oni7e8 ?ith the ;e69e6. !lient A no? >aEe; a ne? pa5>ent 6e=<e;t@ an8 incl<8e; a ;5nch6oni7ation <p8ate a; pa6t of the 6e=<e;t. )hi; <p8ate a9oi8; ha9ing to 6e*;5nch6oni7e the expecte8 6e;pon;e at a late6 ti>e.
<PMTSYNCRQ> <TOKEN>125 <REJECTIFMISSING>N <BANKACCTFROM>
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#/

<BANKID>121000248 <ACCTID>123456789 <ACCTTYPE>C ECKING <!BANKACCTFROM> <PMTTRNRQ> <TRN#ID>12345 <PMTRQ> $$$%*+'(,-&%.5%(%/+6%0(12+/'%3+7)+&' <!PMTRQ> <!PMTTRNRQ> <!PMTSYNCRQ>

The respo se 'o 'h!s e* re.)es'1

<PMTSYNCRS> <TOKEN>126 <"OSTSYNC>N <BANKACCTFROM> <BANKID>121000248 <ACCTID>123456789 <ACCTTYPE>C ECKING <!BANKACCTFROM> <PMTTRNRS> $$$%*+'(,-&%./%(%0(12+/'%3+&0./&+%'.%'4+%/+6%3+7)+&' <!PMTTRNRS> <!PMTSYNCRS>

)he client no? Eno?; that the ;e69e6 ha; p6oce;;e8 the pa5>ent; 6e=<e;t it F<;t >a8e@ an8 that nothing el;e ha; happene8 on the ;e69e6 ;ince it la;t ;5nch6oni7e8 ?ith the ;e69e6. A;;<>e client 0 ?a; ;5nch6oni7e8 ?ith 6e;pect to pa5>ent; fo6 thi; acco<nt <p th6o<gh toEen 1$5. "f it calle8 in no? an8 ;5nch6oni7e8D?ith o6 ?itho<t >aEing a88itional 6e=<e;t;Dit ?o<l8 picE <p the pa5>ent 6e;pon;e a;;ociate8 ?ith toEen 1$6. "t 6eco68; the ;a>e info6>ation that ?a; in client A@ ?hich ?o<l8 gi9e Aoth client; a co>plete pict<6e of pa5>ent ;tat<;.

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:. F ?rofile
:.1 O$er$ie5
Open Financial Exchange client; <;e the p6ofile to lea6n the capaAilitie; of an Open Financial Exchange ;e69e6. )hi; info6>ation incl<8e; gene6al p6ope6tie; ;<ch a; acco<nt t5pe; ;<ppo6te8@ <;e6 pa;;?o68 6e=<i6e>ent;@ ;pecific >e;;age; ;<ppo6te8@ an8 ho? the client ;ho<l8 Aatch 6e=<e;t; an8 ?he6e to ;en8 the 6e=<e;t;. A client oAtain; a po6tion of the p6ofile ?hen a <;e6 fi6;t ;elect; an F". )he client oAtain; the 6e>aining info6>ation p6io6 to ;en8ing an5 act<al 6e=<e;t; to that F". )he ;e69e6 <;e; a ti>e ;ta>p to in8icate ?hethe6 the ;e69e6 ha; <p8ate8 the p6ofile@ an8 the client checE; pe6io8icall5 to ;ee if it ;ho<l8 oAtain a ne? p6ofile. "n >o6e 8etail@ a p6ofile 6e;pon;e contain; the follo?ing ;ection;@ ?hich a client can 6e=<e;t in8epen8entl5G 4e;;age Set; J li;t of ;e69ice; an8 an5 gene6al att6iA<te; of tho;e ;e69ice;. 4e;;age ;et; a6e collection; of >e;;age; that a6e 6elate8 f<nctionall5. )he5 a6e gene6all5 ;<A;et; of ?hat <;e6; ;ee a; a ;e69ice. Signon 6eal>; J F"; can 6e=<i6e 8iffe6ent ;ignon; B<;e6 " an8/o6 pa;;?o68C fo6 8iffe6ent >e;;age ;et;. 0eca<;e the6e can onl5 Ae one ;ignon pe6 'OF:( AlocE@ a client nee8; to Eno? ?hich ;ignon the ;e69e6 6e=<i6e; an8 then p6o9i8e the 6ight ;ignon fo6 the 6ight Aatch of >e;;age;.

)he p6ofile >e;;age i; it;elf a >e;;age ;et. "n file;@ Open Financial Exchange <;e; the '+%OF4SGS,1( agg6egate to i8entif5 thi; p6ofile >e;;age ;et. )he follo?ing ;ection; 8e;c6iAe the gene6al <;e of p6ofile info6>ation.

:.1.1 Me""age Set"

A >e;;age ;et i; a collection of 6elate8 >e;;age;. Fo6 exa>ple@ !hapte6 11@ K0anEing@L 8efine; ;e9e6al >e;;age ;et;G ;tate>ent 8o?nloa8@ c6e8it ca68 ;tate>ent 8o?nloa8@ int6aAanE t6an;fe6;@ an8 ;o fo6th. A ;e69e6 6o<te; all of the >e;;age; in a >e;;age ;et to a ;ingle U%L an8 >e6ge; thei6 9e6;ion; togethe6. !lient; an8 ;e69e6; gene6all5 <;e >e;;age ;et; a; the g6an<la6it5 to 8eci8e ?hat f<nctionalit5 the5 ?ill ;<ppo6t. A KAanEingL ;e69e6 can choo;e to ;<ppo6t the ;tate>ent 8o?nloa8 an8 int6aAanE t6an;fe6 >e;;age ;et;@ A<t not the ?i6e t6an;fe6 >e;;age ;et. Att6iA<te; a6e a9ailaAle in >an5 ca;e; to f<6the6 8efine ho? Open Financial Exchange ;<ppo6t; a >e;;age ;et. Each po6tion of the Open Financial Exchange ;pecification that 8efine; >e;;age; al;o 8efine; the >e;;age ;et to ?hich that the >e;;age; Aelong;. )hi; incl<8e; ?hat a88itional att6iA<te; a6e a9ailaAle fo6 tho;e >e;;age;@ an8 ?hethe6 Open Financial Exchange 6e=<i6e; the >e;;age ;et o6 it i; optional.

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:.1.2 3er"ion Control

4e;;age ;et; a6e the Aa;i; of 9e6;ion cont6ol. O9e6 ti>e the6e ?ill Ae ne? 9e6;ion; of the >e;;age ;et;@ an8 at an5 gi9en ti>e ;e69e6; ?ill liEel5 ?ant to ;<ppo6t >o6e than one 9e6;ion of a >e;;age ;et. !lient; ;ho<l8 al;o Ae capaAle of ;<ppo6ting a; >an5 9e6;ion; a; po;;iAle. )h6o<gh the p6ofile@ client; 8i;co9e6 ?hich 9e6;ion; a6e ;<ppo6te8 fo6 each >e;;age ;et. !lient; an8 ;e69e6; exchange >e;;age; at the highe;t co>>on le9el fo6 each >e;;age ;et. Fo6 the Open Financial Exchange*SG4L 8ata fo6>at@ the6e i; a ;ingle ) fo6 all >e;;age ;et;. )he 9e6;ion n<>Ae6 of the ) a89ance; ?hen an5 syntactic change i; >a8e to an5 of the >e;;age ;et;. B"t i; po;;iAle to >aEe a semantic change that ?o<l8 not e9en 6e=<i6e a change in ;5ntax. A change in 6<le;@ fo6 exa>ple@ that ?o<l8 change the 9e6;ion of the >e;;age ;et ?itho<t changing the ) .C A ;ingle ) cannot ha9e t?o 8iffe6ent 8efinition; fo6 the ;a>e agg6egate. )he6e a6e li>itation; to ho? a ;e69e6 that <;e; t6<e ) *Aa;e8 pa6;ing can han8le ><ltiple 9e6;ion; of a >e;;age at the ;a>e ti>e.

:.1.3 6atching an% *o!ting

)o allo? F"; to ;et <p 8iffe6ent ;e69e6; fo6 8iffe6ent >e;;age ;et;@ 8iffe6ent 9e6;ion;@ o6 to 8i6ectl5 6o<te ;o>e >e;;age; to thi68 pa6t5 p6oce;;o6;@ >e;;age ;et; 8efine the U%L to ?hich a ;e69e6 ;en8; >e;;age; in that >e;;age ;et. Each 9e6;ion of a >e;;age ;et can ha9e a 8iffe6ent U%L. "n the co>>on ca;e ?he6e >an5 o6 all >e;;age ;et; a6e ;ent to a ;ingle U%L@ client; ?ill con;oli8ate >e;;age; ac6o;; co>patiAle >e;;age ;et;. !lient; can con;oli8ate ?henG 4e;;age ;et; ha9e the ;a>e U%L 4e;;age ;et; ha9e a co>>on ;ec<6it5 le9el 4e;;age ;et; ha9e the ;a>e ;ignon 6eal>

NOTE: $he signon message set can be used ith other message sets even i! it contains incompatible settings !or the )(., security level, or signon realm. $he message set in!ormation !or signon messages is used only i! the signon message is sent by itsel!.

:.1.8 Client Signon for ?rofile *e=!e"t"

!lient; ><;t incl<8e a ;ignon 6e=<e;t 'SON%M( ?ith e9e65 >e;;age@ incl<8ing p6ofile 6e=<e;t;. )he fi6;t ti>e that a client 6e=<e;t; the F" p6ofile@ the ;ignon 6e=<e;t ?ill Ae p6e;ent@ A<t the <;e6 " an8 pa;;?o68 ?ill not Ae 9ali8 an8 ?ill Ae igno6e8 A5 the ;e69e6. NOTE: &ote/ ,ince elements cannot be set to a blan" value, #),E(*+' and0or #),E(1A,,' may be set to lo er case 2anonymous3 !ollo ed by 45 zeroes. Once the <;e6 ha; en6olle8 an8 6ecei9e8 hi; o6 he6 <;e6 " an8 pa;;?o68@ the client ?ill 6e=<e;t the p6ofile again@ e9en if the p6ofile i; not 5et o<t*of*8ate. At thi; point@ the ;e69e6 can 6e;pon8 ?ith a p6ofile 6e;pon;e that in8icate; that the p6ofile i; <p*to*8ate. Alte6nati9el5@ if the F" ?ant; to 6et<6n a c<;to>e6* ;pecific p6ofile@ the F" can choo;e to 6et<6n a ne? F" p6ofile in the 6e;pon;e. Fo6 >o6e info6>ation aAo<t ;ignon 6e=<e;t;@ 6efe6 to ;ection $.5.

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:.1.& ?rofile *e=!e"t

A p6ofile 6e=<e;t in8icate; ?hich p6ofile co>ponent; a client 8e;i6e;. "t al;o in8icate; ?hat the clientI; 6o<ting capaAilit5 i;. +6ofile; 6et<6ne8 A5 the F" ><;t Ae co>patiAle ?ith the 6e=<e;te8 6o<ting ;t5le@ o6 the ;e69e6 6et<6n; an e66o6. +6ofile 6e=<e;t; a6e not ;<AFect to ;5nch6oni7ation. +6ofile 6e=<e;t; ><;t appea6 ?ithin a '+%OF)%N%M( t6an;action ?6appe6.
Tag <?*OF*B> (C' E-0*O)0 -/, (+0?*OF)?, (1?*OF*B, Description 9rofile-re:ue&t aggregate Identifie& client routing ca0a?ilitie&, &ee ta?le ?elo1 Date and time client la&t recei/ed a 0rofile u0date, datetime

Tag 6O6E SERAICE MSBSE(

Description Client cannot 0erform any routing@ =ll UR7& mu&t ?e t2e &ame@ =ll me&&age &et& &2are a &ingle &ignon realm@ Client can 0erform limited routing@ See detail& ?elo1@ Client can route at t2e me&&age-&et le/el@ Eac2 me&&age &et can 2a/e a different UR7 andCor &ignon realm@

)he SE%,"!E option ;<ppo6t; client; that can 6o<te Aill pa5>ent >e;;age; to a ;epa6ate U%L f6o> the 6e;t of the >e;;age;. 0eca<;e the exact >apping of >e;;age ;et; to the gene6al concept of Aill pa5>ent can 9a65 A5 client an8 A5 locale@ thi; ;pecification 8oe; not p6o9i8e p6eci;e 6<le; fo6 the SE%,"!E option. Each client ?ill 8efine it; 6e=<i6e>ent;.

:.2 ?rofile *e"pon"e

)o 8ete6>ine ?hethe6 the client ha; the late;t 9e6;ion of the F"; p6ofile@ the ;e69e6 checE; the 8ate an8 ti>e pa;;e8 A5 the client in ' )+%OFU+(. "f the client ha; the late;t 9e6;ion of the F"; p6ofile@ the ;e69e6 6et<6n; ;tat<; co8e 1 in the 'S)A)US( agg6egate of the p6ofile*t6an;action agg6egate '+%OF)%N%S(. )he ;e69e6 8oe; not 6et<6n a p6ofile* 6e;pon;e agg6egate '+%OF%S(.

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"f the client 8oe; not ha9e the late;t 9e6;ion of the F" p6ofile@ the ;e69e6 6e;pon8; ?ith the p6ofile*6e;pon;e agg6egate '+%OF%S( in the p6ofile*t6an;action agg6egate '+%OF)%N%S(. )he 6e;pon;e incl<8e; >e;;age ;et 8e;c6iption;@ ;ignon info6>ation@ an8 gene6al contact info6>ation.
Tag (?*OF*S, (MS/SE0' S0, (XXXMSGSET, (1XXXMSGSET, (1MS/SE0' S0, (S /-O- -FO' S0, (S /-O- -FO, (1S /-O- -FO, (1S /-O- -FO' S0, (+0?*OF)?, (F -#ME, (#++*1, <=DDR!> <=DDR$> (C 0., (S0#0E, (?OS0#'CO+E, (CO)-0*., <CS98O6E> <(S98O6E> <F=D98O6E> <UR7> <EM=I7> (1?*OF*S, (ime t2i& 1a& u0dated on &er/er, datetime 6ame of in&titution, A-32 FI addre&&, line ", A-32 FI addre&&, line !, A-32 FI addre&&, line $, A-32 FI addre&& city, A-32 FI addre&& &tate, A-5 FI addre&& 0o&tal code, A-11 FI addre&& country4 $-letter country code from ISOCDIS-$"++, A-3 Cu&tomer &er/ice tele02one num?er, A-32 (ec2nical &u00ort tele02one num?er, A-32 FaE num?er, A-32 UR7 for general information a?out FI %not for &ending data', URL E-mail addre&& for FI, A-80 >eginning of &ignon information One or more &ignon information aggregate& Description 9rofile-re&0on&e aggregate >eginning li&t of me&&age &et information One or more me&&age &et aggregate&

:.2.1 Me""age Set

An agg6egate 8e;c6iAe; each >e;;age ;et ;<ppo6te8 A5 an F". 4e;;age ;et; in t<6n contain an agg6egate fo6 each 9e6;ion of the >e;;age ;et that i; ;<ppo6te8. Fo6 a >e;;age ;et na>e8 666 @ the con9ention i; to na>e the o<te6 agg6egate ' 666 4SGSE)( an8 the tag fo6 each 9e6;ion ' 666 4SGSE),n(.

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)he 6ea;on fo6 >e;;age ;et*;pecific agg6egate; i; that the ;et of att6iA<te; 8epen8; on the >e;;age ;et. )he;e can change f6o> 9e6;ion to 9e6;ion@ ;o the6e a6e 9e6;ion*;pecific agg6egate; a; ?ell. )he gene6al fo6> of the 6e;pon;e i;G
Tag (XXXMSGSET, (XXXMSGSETVn, (1XXXMSGSETVn, (1XXXMSGSET, Description Ser/ice aggregate Aer&ion-of-me&&age-&et aggregate, " or more

)he 'XXX/S3SET4 ( agg6egate ha; the follo?ing fo6>G

Tag (XXXMS/SE03n, (MS/SE0CO*E, (1MS/SE0CO*E, me&&age-&et &0ecific (1XXXMS/SE03n,

Description Me&&age-&et-/er&ion aggregate Common me&&age &et information

Fero or more attri?ute& &0ecific to t2i& /er&ion of t2i& me&&age &et, a& defined ?y eac2 me&&age &et

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)he co>>on >e;;age ;et info6>ation '4SGSE)!O%E( i; a; follo?;G

Tag (MS/SE0CO*E, (3E*, <S96=ME> Description Common-me&&age-&et-information aggregate Aer&ion num?er of t2e me&&age &et, %for eEam0le, <AER>" for /er&ion " of t2e me&&age &et', N-5 Ser/ice 0ro/ider name, A-32 Some !inancial instit"tions o"t-so"rce t#eir $%& ser'ers to a ser'ice pro'ider( )n s"c# cases* t#e S+NA,- element s#o"ld .e incl"ded in t#e ,S/S-T0$R-( ()*', (OF;SEC, (0*#-S?SEC, (S /-O-*E#'M, ('#-/)#/E, UR7 12ere me&&age& in t2i& &et are to ?e &ent, URL Security le/el re:uired for t2i& me&&age &et4 &ee C2a0ter @ N$N- or T1+- 1( Y if tran&0ort-le/el &ecurity mu&t ?e u&ed, 6 if not u&ed4 &ee C2a0ter @ Boolean Signon realm to u&e 1it2 t2i& me&&age &et, A-32 7anguage &u00orted, lang"age( If more t2an one language i& &u00orted, multi0le <7anguage> tag& can ?e &ent@ FU77 for full &ync2roni3ation ca0a?ility 7I(E for lite &ync2roni3ation ca0a?ility See C2a0ter + for more information@ (*ES?F 'EE*, Y if &er/er &u00ort& re&0on&e-file ?a&ed error reco/ery, Boolean See C2a0ter + for more information@ (1MS/SE0CO*E,

(S.-CMO+E,

&O$E/ For all message sets currently de!ined in Open Financial Exchange, the value o! #$(A&,1,E7' must be 8E,. &O$E/ 9ithin a #:,;,E$7O(E' aggregate, the #-E(' element de!ines the version number o! that message set. *t does not re!er to the version number o! the Open Financial Exchange speci!ication or the +$+ !iles. For more in!ormation about message sets and version numbers, re!er to section 4.<.=.

:.2.2 Signon *ealA"

A ;ignon 6eal> i8entifie; a ;et of >e;;age; that can Ae acce;;e8 <;ing the ;a>e pa;;?o68. %eal>; a6e <;e8 to 8i;a;;ociate ;ignon; f6o> ;pecific ;e69ice;@ allo?ing F"; to 6e=<i6e 8iffe6ent ;ignon; fo6 8iffe6ent >e;;age ;et;. "n p6actice@ F"; ?ill ?ant to <;e the aA;ol<te >ini><> n<>Ae6 of 6eal>; po;;iAle to 6e8<ce

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-6

the <;e6I; ?o6Eloa8.

Tag (S /-O- -FO, (S /-O-*E#'M, (M -, (M#;, (C<#*0.?E, (C#SESE-, (S?EC #', (S?#CES, (? -C<, (C</? -F *S0, Description Signon-information aggregate Identifie& t2i& realm, A-32 Minimum num?er of 0a&&1ord c2aracter&, N-2 MaEimum num?er of 0a&&1ord c2aracter&, N-2 (y0e of c2aracter& allo1ed in 0a&&1ord4 one of =798=O67Y, 6UMERICO67Y, =798=OR6UMERIC, or =798==6D6UMERIC@ Y if 0a&&1ord i& ca&e-&en&iti/e, Boolean Y if &0ecial c2aracter& are allo1ed, Boolean Y if &0ace& are allo1ed, Boolean Y if &er/er &u00ort& USER9=SS9I6-c2ange re:ue&t&, Boolean Y if &er/er re:uire& client& to c2ange USER9=SS a& 0art of fir&t &ignon@ 8o1e/er, if MF=C8=77E6BEFIRS( i& al&o Y, t2i& 0in c2ange re:ue&t &2ould ?e &ent immediately a!ter t2e &e&&ion containing MF=C8=77E6BE aut2entication@ Boolean (eEt 0rom0t for u&er credential@ If it i& 0re&ent, a t2ird credential %USERCRED"' i& re:uired in addition to USERID and USER9=SS( A-23 (eEt 0rom0t for u&er credential@ If it i& 0re&ent, a fourt2 credential %USERCRED!' i& re:uired in addition to USERID, USER9=SS and US-R0R-D1( If 0re&ent, USERCRED"7=>E7 mu&t al&o ?e 0re&ent@ A23 Y if C7IE6(UID re:uired, Boolean Y if &er/er re:uire& client& to &end =U(8(O5E6 a& 0art of t2e fir&t &ignon, Boolean (eEt la?el for t2e =U(8(O5E6@ Re:uired if &er/er &u00ort& =U(8(O5E6, A-23 UR7 12ere =U(8(O5E6 information i& 0ro/ided ?y t2e in&titution o0erating t2e OFD &er/er@ Re:uired if &er/er &u00ort& =U(8(O5E6, A255 Y if t2e &er/er &u00ort& MF=C8=77E6BE functionality, Boolean Y if t2e client i& re:uired to &end MF=C8=77E6BERG a& 0art of t2e fir&t &ignon, ?efore &ending any ot2er re:ue&t&@ Boolean

<USERCRED"7=>E7> <USERCRED!7=>E7>

<C7IE6(UIDREG> <=U(8(O5E6FIRS(> <=U(8(O5E67=>E7> <=U(8(O5E6I6FOUR7>

<MF=C8=77E6BESU9(> <MF=C8=77E6BEFIRS(> (1S /-O- -FO,

:.2.3 Stat!" Co%e"

4al"e ; " !;;; ,eaning Succe&& %I6FO' Client i& u0-to-date %I6FO' Beneral error %ERROR'

:.3 ?rofile Me""age Set ?rofile nforAation

)he p6ofile >e;;age ;et f<nction; the ;a>e ?a5 a; all othe6 >e;;age ;et;H the6efo6e@ it contain; a p6ofile 8e;c6iption fo6 that >e;;age ;et. 0eca<;e '+%OF4SGSE)( i; al?a5; pa6t of a >e;;age ;et 6e;pon;e@ it i; 8e;c6iAe8 he6e. Se69e6; ><;t incl<8e the '+%OF4SGSE)( a; pa6t of the p6ofile 6e;pon;e

Open Financial Exchange Specification 1.0.3

5/1/06

-#

'4SGSE)L"S)(. )he6e a6e no att6iA<te;@ A<t the agg6egate ><;t Ae p6e;ent to in8icate ;<ppo6t fo6 the >e;;age ;et.
Tag (?*OFMS/SE0, (?*OFMS/SE031, (MS/SE0CO*E, (1MS/SE0CO*E, (1?*OFMS/SE031, (1?*OFMS/SE0, Description Me&&age-&et-0rofile-information aggregate O0ening tag for A" of t2e me&&age &et 0rofile information Common me&&age &et information

Open Financial Exchange Specification 1.0.3

5/1/06

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Open Financial Exchange Specification 1.0.3

5/1/06

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