Structure
The Creditor Reference is an alphanumeric string, up to 25 characters long, with the letters "RF" at the beginning. After the letters are two check digits, which confirm that the reference will be entered correctly. [2]
The remaining part of the Creditor Reference (up to 21 alphanumeric characters) is the Reference. The content of the Creditor Reference can be determined without any restrictions. The Reference part can be subject to further restrictions when e.g. national reference numbers are converted from/to Creditor Reference format; in Finland the national reference number includes a single check digit by itself, and is limited to 4–20 characters in length.
Example: RF18 5390 0754 7034 [In this example, the check digits are "18". The message is structured in print format.]
Example: RF18000000000539007547034 [In this example, the reference is the same as above, but in digital format (All 25 characters present).]
Electronic data interchange (EDI) is the concept of businesses electronically communicating information that was traditionally communicated on paper, such as purchase orders, advance ship notices, and invoices. Technical standards for EDI exist to facilitate parties transacting such instruments without having to make special arrangements.
The International Bank Account Number (IBAN) is an internationally agreed upon system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors. An IBAN uniquely identifies the account of a customer at a financial institution. It was originally adopted by the European Committee for Banking Standards (ECBS) and since 1997 as the international standard ISO 13616 under the International Organization for Standardization (ISO). The current version is ISO 13616:2020, which indicates the Society for Worldwide Interbank Financial Telecommunication (SWIFT) as the formal registrar. Initially developed to facilitate payments within the European Union, it has been implemented by most European countries and numerous countries in other parts of the world, mainly in the Middle East and the Caribbean. By July 2024, 88 countries were using the IBAN numbering system.
A postal code is a series of letters or digits or both, sometimes including spaces or punctuation, included in a postal address for the purpose of sorting mail.
A vehicle identification number is a unique code, including a serial number, used by the automotive industry to identify individual motor vehicles, towed vehicles, motorcycles, scooters and mopeds, as defined by the International Organization for Standardization in ISO 3779 and ISO 4030.
ISO 9362 is an international standard for Business Identifier Codes (BIC), a unique identifier for business institutions, approved by the International Organization for Standardization (ISO). BIC is also known as SWIFT-BIC, SWIFT ID, or SWIFT code, after the Society for Worldwide Interbank Financial Telecommunication (SWIFT), which is designated by ISO as the BIC registration authority. BIC was defined originally as Bank Identifier Code and is most often assigned to financial organizations; when it is assigned to non-financial organization, the code may also be known as Business Entity Identifier (BEI). These codes are used when transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks. The codes can sometimes be found on account statements.
An International Securities Identification Number (ISIN) is a code that uniquely identifies a security globally for the purposes of facilitating clearing, reporting and settlement of trades. Its structure is defined in ISO 6166. The ISIN code is a 12-character alphanumeric code that serves for uniform identification of a security through normalization of the assigned National Number, where one exists, at trading and settlement.
An email address identifies an email box to which messages are delivered. While early messaging systems used a variety of formats for addressing, today, email addresses follow a set of specific rules originally standardized by the Internet Engineering Task Force (IETF) in the 1980s, and updated by RFC 5322 and 6854. The term email address in this article refers to just the addr-spec in Section 3.4 of RFC 5322. The RFC defines address more broadly as either a mailbox or group. A mailbox value can be either a name-addr, which contains a display-name and addr-spec, or the more common addr-spec alone.
Accounts payable (AP) is money owed by a business to its suppliers shown as a liability on a company's balance sheet. It is distinct from notes payable liabilities, which are debts created by formal legal instrument documents. An accounts payable department's main responsibility is to process and review transactions between the company and its suppliers and to make sure that all outstanding invoices from their suppliers are approved, processed, and paid. The accounts payable process starts with collecting supply requirements from within the organization and seeking quotes from vendors for the items required. Once the deal is negotiated, purchase orders are prepared and sent. The goods delivered are inspected upon arrival and the invoice received is routed for approvals. Processing an invoice includes recording important data from the invoice and inputting it into the company's financial, or bookkeeping, system. After this is accomplished, the invoices must go through the company's respective business process in order to be paid.
MaxiCode is a public domain, machine-readable symbol system originally created by the United Parcel Service (UPS) in 1992. Suitable for tracking and managing the shipment of packages, it resembles an Aztec Code or QR code, but uses dots arranged in a hexagonal grid instead of square grid. MaxiCode has been standardised under ISO/IEC 16023.
An invoice, bill or tab is a commercial document issued by a seller to a buyer relating to a sale transaction and indicating the products, quantities, and agreed-upon prices for products or services the seller had provided the buyer.
Universal Business Language (UBL), ISO/IEC 19845, is an open library of standard electronic business documents and information models for supply chain, procurement, and transportation such as purchase orders, invoices, transport logistics and waybills. Originally developed by an OASIS Technical Committee with participation from a variety of industry data standards organizations. UBL is designed to plug directly into existing business, legal, auditing, and records management practices. It is designed to streamline information exchange through standardization, facilitating seamless connections between small, medium-sized, and large organization, thereby eliminating the re-keying of data and providing a comprehensive framework for electronic commerce.
In computing, data validation or input validation is the process of ensuring data has undergone data cleansing to confirm they have data quality, that is, that they are both correct and useful. It uses routines, often called "validation rules", "validation constraints", or "check routines", that check for correctness, meaningfulness, and security of data that are input to the system. The rules may be implemented through the automated facilities of a data dictionary, or by the inclusion of explicit application program validation logic of the computer and its application.
ISO/IEC 7813 is an international standard codified by the International Organization for Standardization and International Electrotechnical Commission that defines properties of financial transaction cards, such as ATM or credit cards.
ISO 8583 is an international standard for financial transaction card originated interchange messaging. It is the International Organization for Standardization standard for systems that exchange electronic transactions initiated by cardholders using payment cards.
In banking, a lockbox is a service offered to organizations by commercial banks to simplify collection and processing of accounts receivable by having those organizations' customers' payments mailed directly to a location accessible by the bank.
IDoc, short for Intermediate Document, is an SAP document format for business transaction data transfers. Non SAP-systems can use IDocs as the standard interface (computing) for data transfer. IDoc is similar to XML in purpose, but differs in syntax. Both serve the purpose of data exchange and automation in computer systems, but the IDoc-Technology takes a different approach.
The National Health Index (NHI) number is the unique person identifier used within the New Zealand health system. It is technically not a number but rather an alphanumeric identifier consisting of 7 characters, with three letters and four numbers. It is often referred to as the NHI, although care must be taken when using this abbreviated term, because the NHI can also refer to the national collection of health care user demographic data.
OCR-A is a font issued in 1966 and first implemented in 1968. A special font was needed in the early days of computer optical character recognition, when there was a need for a font that could be recognized not only by the computers of that day, but also by humans. OCR-A uses simple, thick strokes to form recognizable characters. The font is monospaced (fixed-width), with the printer required to place glyphs 0.254 cm apart, and the reader required to accept any spacing between 0.2286 cm and 0.4572 cm.
The Health Industry Business Communications Council (HIBCC) is a primary standard-setting and educational organization for healthcare bar coding in the United States. It provides publications, trade shows, educational resources, conferences and training programs.
The term digital card can refer to a physical item, such as a memory card on a camera, or, increasingly since 2017, to the digital content hosted as a virtual card or cloud card, as a digital virtual representation of a physical card. They share a common purpose: Identity Management, Credit card, Debit card or driver license. A non-physical digital card, unlike a Magnetic stripe card can emulate (imitate) any kind of card.
