TIPS SEPA Inst Directory Mapping

File Types Supported

File Name File Types Supported File Formats Supported File Naming Conventions

TIPS Directory

FULL, DELTA

XML

TIPSXXXTTTTYYYYMMDD
TTTT is the type, i.e. FULL for the full version and DLTA for the delta version. XXX is the currency related to the records included in the directory; YYYYMMDD specifies the year, month and day as of which the TIPS Directory is valid. AWS S3 Ingestion identifies this file when the file name starts with "TIPS".

Important points to remember:

  1. The client implementations should not modify the files names provided by industry sources and ingest the files as received.

  2. The initial file processed must be a full file. Subsequently, full and delta files may be processed.

  3. IPF currently does not maintain a counter for delta files. It is important for client implementations to ensure files are not processed out of sequence or any intermediate delta files are not skipped before processing subsequent delta files.

Delta File Load Processing

The TIPS Directory provides a record of changes between the current and previous file version. The type of change field has the following possible values:

  • A = Added

  • D = Deleted

  • M = Modified

  • U = Unchanged

Records marked as Unchanged in the delta file do not update the database, as the source records remain the same and do not require any changes. It is important to note that unchanged records are not expected on DELTA files. All other records are updated accordingly.

For FULL files, all existing entries that are not part of the new file will be deleted.

For DELTA files, processing follows predefined flags, considering only the specified entries for (A)ddition, (D)eletion, or (M)odification.

More on how FULL files are processed can be found here

Mapping Definitions

CSM Participant Attribute TIPS Directory Comment

ProcessingEntity

Value = UNKNOWN

This is an attribute provided through use of DPS for dynamic config management. Industry data are global dynamic configurations and available to all processing entities.

Type of Change

A – Added

M – Modified

D – Deleted

U – Unchanged

Decides the operation to be performed for the record.

csmAgentId

Value = "TIPS"

csmMemberId

Party BIC

csmParticipantIdentifier

User BIC

routingBIC

Account Owner BIC

The value is mapped for backward compatibility reasons, routingBIC has been deprecated and will be removed in future releases.

participantName

Institution Name

domicileAddress

 — 

postalAddress

 — 

postalCode

 — 

participantCity

 — 

participantCountry

 — 

activeFromDate

Valid From

activeToDate

Valid To

participantType

"DIRECT" when Participation Type = 01

"INDIRECT" when Participation Type != 01

rMessageOnly

Constant = FALSE

TIPS does not provide the CHANGED or R-ONLY BICs in the directory.

directParticipantDetails.csmMemberId

 — 

directParticipantDetails. participantIdentifiers.identifier

Account Owner BIC

directParticipantDetails. participantIdentifiers.identifierType

Value = "BIC"

directParticipantDetails. participantIdentifiers.identifierSubType

Value = "SCHEME_MEMBERSHIP_BIC"

routingDetails.routingPurpose

Standard

routingDetails.csmMemberId

 — 

routingDetails. outingIdentifiers.identifier

Account Owner BIC

routingDetails. routingIdentifiers.identifierType

Value = "BIC"

routingDetails. routingIdentifiers.identifierSubType

Value = "SCHEME_MEMBERSHIP_BIC"

limits.limitType

Value = "MAX_TRANSACTION_VALUE"

limits.amount.amountValue

Maximum IP_Amount

limits.amount.currency

Filename: currency

paymentTypeAllowedList

 — 

industryFields

 — 

Example Mapping

Source Record from Industry file

<File fileId = "TIPSEURFULL20230821" xmlns="urn:TIPS:TIPSDirectory" >
    AFPNDEB2XXXAFONE PAIEMENT                                                                                           BPCEFRPPXXXBPCEFRPPXXXU2021070599991231010000000000100000.00
    PBNKDEFFTIPDEUTSCHE BANK AG-POSTBANK BRANCH (FORMERLY DEUTSCHE POSTBANK AG)                                         DEUTDEFFXXXDEUTDEFFXXXU2021102599991231020999999999999999999
</File>

Destination Record - CSM Participant

{
  "_id": "DynamicSettings|participant-TIPS-AFPNDEB2XXX-DIRECT",
  "payload": {
    "csmAgentId": "TIPS",
    "csmMemberId": "BPCEFRPPXXX",
    "csmParticipantIdentifier": "AFPNDEB2XXX",
    "participantName": "AFONE PAIEMENT",
    "routingBIC": "BPCEFRPPXXX",
    "activeFromDate": {
      "$date": "2021-07-05T00:00:00Z"
    },
    "participantType": "DIRECT",
    "rMessageOnly": false,
    "routingDetails": [
      {
        "routingPurpose": "STANDARD",
        "routingIdentifiers": [
          {
            "identifier": "BPCEFRPPXXX",
            "identifierType": "BIC",
            "identifierSubType": "SCHEME_MEMBERSHIP_BIC"
          }
        ]
      }
    ],
    "directParticipantDetails": null,
    "limits": [
      {
        "limitType": "MAX_TRANSACTION_VALUE",
        "amount": 100000.00,
        "currency": "EUR"
      }
    ]
  },
  "version": 1,
  "status": "ACTIVE",
  "processingEntity": "UNKNOWN",
  "_class": "com.iconsolutions.ipf.dynamicsettings.repository.ParticipantSettings"
}
{
  "_id": "DynamicSettings|participant-TIPS-PBNKDEFFTIP-INDIRECT",
  "payload": {
    "csmAgentId": "TIPS",
    "csmMemberId": "DEUTDEFFXXX",
    "csmParticipantIdentifier": "PBNKDEFFTIP",
    "participantName": "DEUTSCHE BANK AG-POSTBANK BRANCH (FORMERLY DEUTSCHE POSTBANK AG)",
    "routingBIC": "DEUTDEFFXXX",
    "activeFromDate": {
      "$date": "2021-10-25T00:00:00Z"
    },
    "participantType": "INDIRECT",
    "rMessageOnly": false,
    "routingDetails": [
      {
        "routingPurpose": "STANDARD",
        "routingIdentifiers": [
          {
            "identifier": "DEUTDEFFXXX",
            "identifierType": "BIC",
            "identifierSubType": "SCHEME_MEMBERSHIP_BIC"
          }
        ]
      }
    ],
    "directParticipantDetails": {
      "participantIdentifiers": [
        {
          "identifier": "DEUTDEFFXXX",
          "identifierType": "BIC",
          "identifierSubType": "SCHEME_MEMBERSHIP_BIC"
        }
      ]
    }
  },
  "version": 1,
  "status": "ACTIVE",
  "processingEntity": "UNKNOWN",
  "_class": "com.iconsolutions.ipf.dynamicsettings.repository.ParticipantSettings"
}