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Elektronska komunikacija v plačilnem prometu v skladu s standardom ISO 20022
ČAKARDIĆ, JURIJ (Author), Stančin, Sara (Mentor) More about this mentor... This link opens in a new window

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Abstract
Elektronska komunikacija v plačilnem prometu se je v Sloveniji začela s standardom TKDIS in Službo družbenega knjigovodstva, kasneje Agencijo za plačilni promet. Sprva je bila komunikacija omejena na plačilne naloge in izpisek prometa na računu, pozneje se je razširila še na posebne položnice s pomočjo zbirnega centra Bankart. S časom se je področje uporabe komunikacije širilo in standardi so se spreminjali: sprva z uvedbo slovenskega standarda ZBSxml, pozneje s posvojitvijo bolj naprednega mednarodnega standarda ISO 20022. Temelj standarda ISO 20022 je njegov metamodel, ki postavlja pravila za modeliranje poslovnih procesov, vrhnjega izmed treh slojev standarda. Na podlagi modelov poslovnih procesov se po pravilih določijo še logična sporočila (srednji sloj) in sintaksa sporočil (nižji sloj). Sporočila so večinoma v obliki XML, njihovo sintakso narekujejo sheme XML. Podrobneje obravnavam sporočili pain.001 in camt.053, ki predstavljata plačilne naloge in izpisek prometa na računu. Cilj je prikazati celotni življenjski krog plačilnega naloga, od posredovanja naročila na banko, do prejema povratne informacije v obliki izpiska prometa na računu. Prikažem načrt za dve aplikaciji, Banka in Komitent, ki sem jih naredil s pomočjo vseh treh slojev standarda ISO 20022. Komponente poslovnega modela sem preslikal v tabele v podatkovni bazi Oracle. Prikažem tudi, kako podatke iz baze podatkov zajamemo v sporočilo XML, in obratno, kako iz sporočila izluščimo podatke in jih zapišemo v bazo. Nazadnje predstavim, kako sem z uporabo razvojnega orodja Oracle Application Express naredil uporabniški vmesnik za obe aplikaciji.

Language:Slovenian
Keywords:ISO 20022, plačilni promet, plačilni nalog, izpisek prometa
Work type:Undergraduate thesis (m5)
Organization:FE - Faculty of Electrical Engineering
Year:2015
Views:1121
Downloads:508
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Secondary language

Language:English
Title:Electronic communication in payment transactions according to the standard ISO 20022
Abstract:
The use of electronic communication in payment transactions made its first appearance in Slovenia with the introduction of the TKDIS standard and the Social Accounting Service, which later became known as the Agency for Payments. Initially, communication was limited to credit transfers and account statements, but this was later extended to payment orders with the help of the Bankart processing centre. Over time, the scope of electronic communication has spread, changing its standards: the Slovenian Standard ZBSxml which was first used was later succeeded by the more sophisticated international standard ISO 20022. The foundation of ISO 20022 is found in its metamodel, which sets the rules for modelling business processes – the top of the three layers that form the standard. Based on business processes models and following precise rules, we obtain logical messages (middle layer) and the syntax of these messages (lower layer). The messages are mainly in XML form, while their syntax is dictated by XML schemes. This paper focuses on messages pain.001 and camt.053, which are used in credit transfers and account statements. The aim is to show the entire life cycle of a credit transfer: from transmitting the order to the bank to receiving feedback in the form of an account statement. Through the use of all three layers of the ISO 20022 standard I develop a blueprint for two applications – Bank and Client. I present the components of this business model in table format using the Oracle database. Through these I show how information from a database is converted into XML messages and vice versa, i.e. how to extract information from XML messages and insert it into a database. Finally, through the use of the Oracle Application Express development tool, I create a user interface for both applications.

Keywords:ISO 20022, payment transactions, credit transfer, account statement

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