BS ISO 9362-2014 Banking Banking telecommunication messages Business identifier code (BIC)《银行业务 银行业务通信消息 商业识别码(BIC)》.pdf

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1、BSI Standards Publication BS ISO 9362:2014 Banking Banking telecommunication messages Business identifier code (BIC)BS ISO 9362:2014 BRITISH STANDARD National foreword This British Standard is the UK implementation of ISO 9362:2014. It supersedes BS ISO 9362:2009 which is withdrawn. The UK participa

2、tion in its preparation was entrusted to Technical Committee IST/12, Financial services. A list of organizations represented on this committee can be obtained on request to its secretary. This publication does not purport to include all the necessary provisions of a contract. Users are responsible f

3、or its correct application. The British Standards Institution 2014. Published by BSI Standards Limited 2014 ISBN 978 0 580 80910 1 ICS 03.060; 35.240.40 Compliance with a British Standard cannot confer immunity from legal obligations. This British Standard was published under the authority of the St

4、andards Policy and Strategy Committee on 31 December 2014. Amendments issued since publication Date Text affectedBS ISO 9362:2014 ISO 2014 Banking Banking telecommunication messages Business identifier code (BIC) Banque Messages bancaires tltransmis Code didentification des entreprises (BIC) INTERNA

5、TIONAL STANDARD ISO 9362 Fourth edition 2014-12-01 Reference number ISO 9362:2014(E)BS ISO 9362:2014ISO 9362:2014(E)ii ISO 2014 All rights reserved COPYRIGHT PROTECTED DOCUMENT ISO 2014 All rights reserved. Unless otherwise specified, no part of this publication may be reproduced or utilized otherwi

6、se in any form or by any means, electronic or mechanical, including photocopying, or posting on the internet or an intranet, without prior written permission. Permission can be requested from either ISO at the address below or ISOs member body in the country of the requester. ISO copyright office Ca

7、se postale 56 CH-1211 Geneva 20 Tel. + 41 22 749 01 11 Fax + 41 22 749 09 47 E-mail copyrightiso.org Web www.iso.org Published in SwitzerlandBS ISO 9362:2014ISO 9362:2014(E)Contents Page Foreword iv Introduction v 1 Scope . 1 2 Normative references 1 3 Terms and definitions . 1 4 Conventions . 2 5 B

8、IC structure . 2 5.1 Format of the BIC 2 5.2 Element description . 3 5.3 BIC examples. 3 6 BIC data record . 3 7 Responsibilities . 4 8 International directory of BICs 4 ISO 2014 All rights reserved iiiBS ISO 9362:2014ISO 9362:2014(E) Foreword ISO (the International Organization for Standardization)

9、 is a worldwide federation of national standards bodies (ISO member bodies). The work of preparing International Standards is normally carried out through ISO technical committees. Each member body interested in a subject for which a technical committee has been established has the right to be repre

10、sented on that committee. International organizations, governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of electrotechnical standardization. The procedures used to deve

11、lop this document and those intended for its further maintenance are described in the ISO/IEC Directives, Part 1. In particular the different approval criteria needed for the different types of ISO documents should be noted. This document was drafted in accordance with the editorial rules of the ISO

12、/IEC Directives, Part 2 (see www.iso.org/directives). Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO shall not be held responsible for identifying any or all such patent rights. Details of any patent rights identified during

13、the development of the document will be in the Introduction and/or on the ISO list of patent declarations received (see www.iso.org/patents). Any trade name used in this document is information given for the convenience of users and does not constitute an endorsement. For an explanation on the meani

14、ng of ISO specific terms and expressions related to conformity assessment, as well as information about ISOs adherence to the WTO principles in the Technical Barriers to Trade (TBT) see the following URL: Foreword - Supplementary information The committee responsible for this document is ISO/TC 68,

15、Financial Services, Subcommittee SC 7, Core Banking. This fourth edition cancels and replaces the third edition (ISO 9362:2009), which has been technically revised.iv ISO 2014 All rights reservedBS ISO 9362:2014ISO 9362:2014(E) Introduction This International Standard specifies a universal method of

16、 identifying institutions within the financial services industry, in order to facilitate automated processing of telecommunication messages in banking and related financial transaction environments. The original scope of this International Standard was limited to the identification of banks; consequ

17、ently, the acronym “BIC” was used as an abbreviation for “bank identifier code”. The scope of this International Standard has since been extended, in the first place to cover all types of financial institutions, and in the 2009 edition of this International Standard, to cover non-financial instituti

18、ons as well. This new edition will take into account recent market evolution and address the need to ensure the standard is neutral and agnostic from any network. In order to avoid unnecessary costs that would have resulted from abandoning a well-known and widely- used acronym, the acronym “BIC” has

19、 been retained for the purposes of this International Standard, but is now used as an abbreviation for “business identifier code”. The implementation of this International Standard will be completed by the Registration Authority (RA) by the end of January 2015. To mitigate for the operational impact

20、s on the users of this International Standard, the RA will exceptionally continue to respect the BIC1 convention (as defined in ISO 9362:2009) for SWIFTNet FIN connectivity as part of this International Standard Registration Procedures during a transition period that will end in November 2018. ISO 2

21、014 All rights reserved vBS ISO 9362:2014BS ISO 9362:2014Banking Banking telecommunication messages Business identifier code (BIC) 1 Scope This International Standard specifies the elements and structure of a universal identifier code, the business identifier code (BIC), for financial and non-financ

22、ial institutions, for which such an international identifier is required to facilitate automated processing of information for financial services. The BIC is used for addressing messages, routing business transactions and identifying business parties. This International Standard applies to organizat

23、ions and excludes individual persons. 2 Normative references The following documents, in whole or in part, are normatively referenced in this document and are indispensable for its application. For dated references, only the edition cited applies. For undated references, the latest edition of the re

24、ferenced document (including any amendments) applies. ISO 3166-1, Codes for the representation of names of countries and their subdivisions Part 1: Country codes 3 Terms and definitions For the purposes of this document, the following terms and definitions apply. 3.1 financial institution organizati

25、on that is principally engaged in financial intermediation and/or in au x iliar y f inancial ac t iv it ies Note 1 to entry: Typically, the activity of a financial institution is the acquisition of financial assets while incurring liabilities on its own account by engaging in financial transactions

26、in a market; for the purposes of providing payment, securities, banking, financial, insurance, or investment services or activities. A financial organization shall either be the following: a) (i) licensed by or (ii) authorized by or (iii) registered with a Financial Market Regulator; b) is subject t

27、o supervision by a Financial Market Regulator; c) an international, supranational, intergovernmental, or national governmental body, or institution that as a main activity engages in payment, securities, banking, financial, insurance, or investment services or activities (including central banks). 3

28、.2 non-financial institution organization that does not meet the criteria defined in 3.1, primarily established to offer goods or perform services other than financial services Note 1 to entry: Some non-financial institutions may have secondary financial activities such as providing consumer credit

29、to their customers, or treasury functions. However, such corporations will be classified on the basis of their main activity in the non-financial sector. 3.3 business party financial or non-financial institution in a specific country INTERNATIONAL ST ANDARD ISO 9362:2014(E) ISO 2014 All rights reser

30、ved 1BS ISO 9362:2014ISO 9362:2014(E) 3.4 branch organizational unit of the business party, such as a specific location, department, or service of the business party in the country where it is located Note 1 to entry: The business party may have several locations, departments, services, or other org

31、anizational units that it wants to identify more specifically. 3.5 full legal name official name of the organization as recorded in the registry where the organization is located (e.g. corporate name approved under the law of any jurisdiction) 3.6 registered address address related to the full legal

32、 name 3.7 operational address main address of the organization, or its organizational unit, where it is generally known to be conducting business or where its executive management is located (also known as business address) 4 Conventions The following conventions are used in this International Stand

33、ard: character representations: n: digits (numeric characters 0 to 9 only); a: letters (alphabetical characters A to Z only); an: letters and digits (alphanumeric without “special” characters, such as blanks, separators, punctuation); length indications: n: fixed length. 5 BIC structure 5.1 Format o

34、f the BIC The format of the BIC is given below:2 ISO 2014 All rights reservedBS ISO 9362:2014ISO 9362:2014(E) 5.2 Element description No. Element Description Format Rule 1 BIC Business identifier code 8 characters are used for a BIC when only the element business party is applied 11 characters are u

35、sed for a BIC when both elements business party and branch are applied 1.1 Business party iden- tifier First element of the BIC used to identify a busi- ness party in a country Mandatory element of the BIC Consists of eight (8) contiguous characters The element is assigned by the Registration Author

36、ity of this International Standard 1.1.1 Party prefix Element of the business party identifier used together with the party suffix to identify a busi- ness party 4an Consists of four (4) contiguous characters 1.1.2 Country code Element of the Business Party identifier which is used to identify the c

37、ountry where the Busi- ness Party is located. 2a The appropriate two-letter country code specified in ISO 3166-1 is used to identify the country 1.1.3 Party suffix Element of the Business Party identifier used together with the party prefix to identify a Busi- ness Party 2an Consists of two (2) cont

38、iguous characters 1.2 Branch identifier Second element of the BIC used for identifying an organizational unit of a business party such as a specific location, department, service, or unit of the business party within the same country 3an Optional element of the BIC Consists of three (3) contiguous c

39、harac- ters A business party can have several assigned branch elements which are used to identify several locations, departments, services, or units of the same business party The element is assigned by the Registration Authority of this International Standard at the request of the business party 5.

40、3 BIC examples Examples of BICs are given below. EXAMPLE 1 For a BIC without a branch identifier: ABCDFRPP EXAMPLE 2 For a BIC with a branch identifier: WG11US335AB 6 BIC data record The BIC data record defines the BIC registry entry with its minimal attributes. ISO 2014 All rights reserved 3BS ISO

41、9362:2014ISO 9362:2014(E) The business party element shall include at least the following data attributes: The full legal name of the business party Mandatory attribute; The registered address of the business party of the BIC Mandatory attribute; The status (financial institution or non-financial in

42、stitution) of the business party Mandatory attribute; The operational address Optional attribute. The branch element shall include at least the following data attributes: The description of the organizational unit of the business party such as a specific location, department, or service identified b

43、y the element branch of the BIC Mandatory attribute when the element branch of the BIC is requested; The operational address of the element branch of the BIC Mandatory attribute when the element branch of the BIC is requested and can be the same as the business party address. The BIC data record sha

44、ll include at least the following additional attributes: the date of publication of the new record; the date of last update of the record; the date of expiry of the record (when applicable); an indication if the record is self-maintained. 7 Responsibilities The organization requesting the registrati

45、on of a BIC is responsible for the accuracy of the BIC data record provided to the Registration Authority as well as, the update of its data record to the Registration Authority every time it is needed. Further explanations on the BIC registration procedures are made available from the Registration

46、Authority website. 8 International directory of BICs The international ISO 9362 directory of BICs contains all published BICs assigned by this International Standard Registration Authority. For each BIC, the BIC data record will contain at a minimum the attributes listed in Clause 6. The internation

47、al ISO 9362 directory of BICs shall be made publicly available, with no technical constraints to access the data. The Registration Authority may provide the directory under various formats and include additional information, at its discretion.4 ISO 2014 All rights reservedBS ISO 9362:2014BS ISO 9362

48、:2014ISO 9362:2014(E) ISO 2014 All rights reserved ICS 03.060 Price based on 6 pagesThis page deliberately left blankBSI is the national body responsible for preparing British Standards and other standards-related publications, information and services. BSI is incorporated by Royal Charter. British

49、Standards and other standardization products are published by BSI Standards Limited. British Standards Institution (BSI) BSI Group Headquarters 389 Chiswick High Road London W4 4AL UK About us We bring together business, industry, government, consumers, innovators and others to shape their combined experience and expertise into standards -based solutions. The knowledge embodied in our standards has been carefully assembled in a dependable form