...Duitnow TransferIntegrationAccount Enquiry

Account Enquiry

Note

Account resolution enquiry is used to determine if particular beneficiary account is valid and ready to receive payment. There are many situations in which you may need to know if a beneficiary account provided by customer is valid before accepting payment request. Examples include:

• Customer needs to validate the beneficiary account name before making final confirmation to the payment request
• Customer needs to ensure the recipient details before making top-up to their eWallet account

Successful End-to-End Account Enquiry Flow

Step	Sender	Receiver	Process
1	Customer	Issuer(OFI)	Customer logs into Online Banking or Mobile Banking app and initiates a DuitNow Instant Transfer
2	Issuer(OFI)	RPP	OFI performs the following: Authorize and validate the Instant Transfer transaction Any Internal Validations If all validations are successful: Send Account Enquiry request
3	RPP	Acquirer(RFI)	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Return a REJECT response to OFI If any of the Business Validations fails: Return a NEGATIVE response to OFI If all validations are successful: Send Account Enquiry message request
4	Acquirer(RFI)	RPP	RFI performs the following: Message Validations Business Validations Beneficiary Account Validations If any of the Message Validations fails: Send a REJECT response If any of the Business Validations fails: Send a NEGATIVE response If any of the Beneficiary Account Validations fails: Send a NEGATIVE response If all validations are successful: Send Account Enquiry message response with the necessary beneficiary account information
5	RPP	Issuer(OFI)	RPP performs the following: Message Validations Business Validations If any of the Message Validations fails: Return a REJECT response to OFI If any of the Business Validations fails: Send a NEGATIVE response If all validations are successful: Send Account Enquiry message request
6	Issuer(OFI)	Customer	OFI performs the following: Message Validations Business Validations If all validations are successful: If SUCCESSFUL response is received: Display the Beneficiary Account Name to the Customer for payment confirmation If UNSUCCESSFUL response is received: Display an error message to the Customer

Exception Flows

RPP Failed to Receive Request from OFI

Condition	Actions	Alternatives
OFI sent a request to RPP. However, RPP did not receive the request As no response is received from RPP after x period of time, OFI eventually timeout	OFI shall: Timeout Display an appropriate error message to the Customer Stop processing	If retry is configured, OFI shall: If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an error message to Customer Stop processing

OFI Failed to Receive Response from RPP

Condition	Actions	Alternatives
OFI sent a request to RPP, and RPP did receive the request. However, RPP response did not reach to OFI As no response is received from RPP after x period of time, OFI eventually timeout	OFI shall: Timeout Display an appropriate error message to the Customer Stop processing	If retry is configured, OFI shall: If retry count has not exceeded the maximum number of retries Send a repeat request Continue processing If retry count has exceeded the maximum number of retries Display an error message to Customer Stop processing

RFI Failed to Receive Request from RPP

Condition	Actions	Alternatives
RPP sent a request to RFI. However, RFI did not receive the request from RPP As no response is received from RFI after x period of time, RPP eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing	-

RPP Failed to Receive Response from RFI

Condition	Actions	Alternatives
RPP sent a request to RFI, and RFI did receive the request. However, RFI response did not reach to RPP As no response is received from RFI after x period of time, RPP eventually timeout	RPP shall: Timeout Return a NEGATIVE response with timeout reason OFI shall: Display an appropriate error message to the Customer Stop processing	-