Oracle Cash Management User Guide Release 12.1 Part Number E1348304  Contents  Previous  Next 
This appendix covers the following topics:
This appendix outlines the country specific bank account validation rules performed in Release 12. The following information is presented for certain countries:
Validation rules: The validation perform for the specific country
Unique Validation Rules: The unique validations perform for the specific country
The following countries have country specific validations:
Australia, Austria, Belgium, Brazil, Denmark, Colombia, Finland, France, Germany, Greece, Iceland, Ireland, Israel, Italy, Japan, Luxembourg, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, and United States.
When entering new bank accounts, different countries can have certain rules governing the format and content of the following related fields:
Bank Number
Branch Number
Account Number
Check Digit
A new profile option, "CE: Disable Bank Validations" has been introduced. This profile can be set at the site, application, responsibility or user level. The profile is seeded with a default value of 'No' at the site level. The countryspecific validations pertaining to the bank number, branch number, account number and check digit can be disabled by this profile option.
If the profile is set to 'Yes', these validations will not fire. If the profile is set to 'Yes' a tip is displayed on the Bank, Branch and Account setup pages. This indicates that the validations have been disabled. A similar tip is displayed in the Supplier (Oracle Payments) Bank Setup UI.
The checks for unique banks, branches, accounts and the mandatory requirement of bank account number are not affected by this profile.
The following points are applicable to all the countries:
For all fields, white spaces and hyphens ('') are removed before checking the number.
The Bank and Branch Number might be mandatory depending upon the countryspecific rules.
The Account Number is mandatory for all countries.
The Check Digit is might be mandatory depending upon the countryspecific rules.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Account Number
The entered check digit (CD1) is the last two digits of the Account Number.
The calculated check digit (CD2) is derived by concatenating the first two sections of the Account Number and calculating the remainder on dividing this by 97. If the remainder is equal to '0', then the calculated check digit is taken to be '97'
If the entered check digit (CD1) and calculated check digit (CD2) are equal, then the Account Number is valid, else the check has failed.
Additionally, if the entered check digit (that is, the last section) is '00', then the Account Number is invalid because the calculated check digit can never be '00' as per the 3rd point.
Example using account number '123456789078'.
The entered check digit (CD1) is '78'.
The concatenation of the first two sections gives '1234567890'.
Divide the result by '97'.
1234567890 / 97 = 12727504
Derive the remainder.
1234567890  (12727504 * 97) = 2
Therefore CD2 = 2.
Here CD1 <> CD2, therefore the Account Number is not valid.
In this case, a valid Account Number would be '12345678902'.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Company Code 

For Colombia, there are no validations for Bank Number, Branch Number, Account Number, or Check Digit fields
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Tax Payer ID 

Check Algorithm for Tax Payer ID
The first 14 digits are multiplied by the associated factor.
Digit  Factor 

1st  71 
2nd  67 
3rd  59 
4th  53 
5th  47 
6th  43 
7th  41 
8th  37 
9th  29 
10th  23 
11th  19 
12th  17 
13th  13 
14th  7 
These 14 products are added and the sum is divided by 11.
If the remainder is 1 or 0, then the Check Digit should be 1 or 0 respectively.
If the remainder is not 1 or 0, then the remainder is subtracted by 11 and that should be the Check Digit.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Account Number
A check value (Check) is formed, from the user entered Account Number. The method used to form this value depends upon the first digit of the account number as given in the following table:
If 1st digit of Account Number is...  Check Value Method 

1  1 
2  1 
3  1 
4  2 
5  2 
6  1 
7  2 
8  1 
9  1 
Method 1
Check is formed in the following two parts:
The first part of the Check is formed from the first 6 digits of the Account Number.
To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.
The second part of Check is formed as an eight digit value, comprising the 8th to 15th digits of the Account Number. If the length is less than 8, then it is converted to a 8 digit number by prefixing it with as many leading zeroes as is necessary.
Using the same example, the second part of Check would be created as '00000089'.
Check is then formed by concatenating the two parts.
So, in our example the Check is formed as '12345600000089'.
Method 2
Check is formed in the following three parts:
The first part of the Check is formed from the first 6 digits of the Account Number.
To illustrate, if the account number is '123456789', then the first part of Check would be created as '123456'.
The second part of Check is formed as the 8th digit of the Account Number.
Using the same example, the second part of Check would be created as '8'.
The third part of Check is formed as a seven digit value, comprising the 9th to 15th digits of the Account Number. If the length is less than 7, then it is converted to a 7 digit number by prefixing it with as many leading zeroes as is necessary.
Using the same example, the second part of Check would be created as '0000009'.
Check is then formed by concatenating the three parts.
So, in our example the Check is formed as '12345680000009'.
A computed sum is then calculated based on the value of Check. Different calculations are performed depending on the first two digits of the formed Check value.
If the first two digits of Check are '88', then:
The Finnish government provides the following factor table. The 8th to 13th digits of the Check number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Digit  Factor 

8th  1 
9th  3 
10th  7 
11th  1 
12th  3 
13th  7 
Example using Check number '88345600000089':
Multiply the given digits with the given factor.
Digit  Value  Factor  Result 

8th Digit  0  1  0 
9th Digit  0  3  0 
10th Digit  0  7  0 
11th Digit  0  7  0 
12th Digit  0  3  0 
13th Digit  8  7  56 
Total  56 
So the computed sum for this example is 56.
The test fails unless either of the following apply:
The 14th digit of Check should equal the value of 10 minus the last digit of the computed sum.
For the Check value is '88345600000089', the last digit of the computed sum is 6. So 10  6 = 4. So, the 14th digit of the Check should equal 4. The test fails here as the 14th digit is 9.
Both the 14th digit of Check and the last digit of the computed sum are 0.
Using the same example, the test fails here as both values are not 0.
If the first two digits of Check are NOT '88', then:
The computed sum is calculated for each of the first 13 digits by adding the even numbered digits to the following calculated sum for each odd numbered digit :
Multiply the digit by 2.
Divide the result by 10.
From the result add the integer to the remainder.
Example using account number '123456800000089':
Digit  Value  Multiply (a)  Divide (b)  Integer  Remainder  Result 

1st  1  2  0.2  0  2  2 
2nd  2  2  
3rd  3  6  0.6  0  6  6 
4th  4  4  
5th  5  10  1  1  0  1 
6th  6  6  
7th  0  16  1.6  1  6  0 
8th  0  0  
9th  0  0  0  0  0  0 
10th  0  0  
11th  0  0  0  0  0  0 
12th  0  0  
13th  8  16  1.6  1  6  7 
Total  28 
The computed sum is then converted using the following process, before being used to see if the Account Number is valid :
Computed sum is added to 9.
The result is divided by 10.
The integer result is multiplied by 10.
The result is subtracted by the original computed sum.
So the computed sum '282 is converted to '2' as:
28 + 9 = 37
37/10 = 3.7. Integer result therefore = 3
3 * 10 = 30
30  28 = 2
This number is then compared to the 14th digit of the Account Number. If it matches, then the test is passed, else it is failed.
In our example, the test fails as the 14th digit of the account number is 9. If the 14th digit had been 2, then the test would have been passed.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Check Digit
A check digit is calculated (CD1) from the Account Number, Bank Number, and Branch Number in the following manner. This is then used as the basis for the check digit validity test.
CD1
For the check algorithm, the digits of the Account Number entered as characters 'A' to 'Z' are converted to numeric values, the French government provides the following conversion table:
Value  Conversion 

A, J  1 
B, K, S  2 
C, L, T  3 
D, M, U  4 
E, N, V  5 
F, O, W  6 
G, P, X  7 
H, Q, Y  8 
I, R, Z  9 
Example using account number 'A1234567890':
The letter 'A' is converted by applying the above table to '1', so the account number becomes '11234567890'.
A value for CD1 is formed by joining together the bank fields in the following way:
The Bank Number is concatenated with Branch Number concatenated to the converted Account Number.
To illustrate with the Bank Number as '12345', the Branch Number as '67890' and the converted Account Number as '11234567890'.
Then CD1 is created as '123456789011234567890'.
To this concatenated value, '00' is added as a suffix and the resulting value is divided by 97. The remainder obtained as result of this division is then subtracted from 97. The result of this subtraction is the calculated check digit.
In our example, suffixing '00' gives '12345678901123456789000'.
Dividing by 97 and deriving the remainder.
Mod (12345678901123456789000, 97) = 86
Subtract from 97.
97  86 = 11
If the user entered Check Digit is equal to this calculated value, then the validation is successful.
In the given example, as the user entered check digit is not '11', the check is not valid.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Account Number
Check algorithm is performed against the Account Number (from digit 9 to 16). Each of these digits is multiplied with the factors as given in the following table:
Digit  Factor 

9th  3 
10th  2 
11th  7 
12th  6 
13th  5 
14th  4 
15th  3 
16th  2 
These products are added and the sum is divided by 11. The remainder obtained as a result of this division is subtracted from 11 to obtain the calculated check digit. If remainder is 0, then calculated check digit is taken as 0.
This calculated check digit should match the entered check digit (seventeenth digit of the Account Number), else the Account Number is not valid.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

EFT Number 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Check Digit
The check digit is used to validate against the Bank Number, Branch Number, and Account Number. These are concatenated to obtain a 22 character string.
Each character is assigned a value depending upon whether the character is in an odd position or an even position in the string as given in the following table.
Even Position Values  Odd Position Values 

A/0 = 0  A/0 = 1 
B/1 = 1  B/1 = 0 
C/2 = 2  C/2 = 5 
D/3 = 3  D/3 = 7 
E/4 = 4  E/4 = 9 
F/5 = 5  F/5 = 13 
G/6 = 6  G/6 = 15 
H/7 = 7  H/7 = 17 
I/8 = 8  I/8 = 19 
J/9 = 9  J/9 = 21 
K = 10  K = 2 
L = 11  L = 4 
M = 12  M = 18 
N = 13  N = 20 
O = 14  O = 11 
P = 15  P = 3 
Q = 16  Q = 6 
R = 17  R = 8 
S = 18  S = 12 
T = 19  T = 14 
U = 20  U = 16 
V = 21  V = 10 
W = 22  W = 22 
X = 23  X = 25 
Y = 24  Y = 24 
Z = 25  Z = 23 
The first character on the left is an odd position.
The values assigned are added up and the sum is divided 26. The remainder obtained as a result of this division is converted into an alphabet as given in the following table:
Transformation Algorithm
Calculation  Calculation  Calculation 

0 = A  9 = J  18 = S 
1 = B  10 = K  19 = T 
2 = C  11 = L  20 = U 
3 = D  12 = M  21 = V 
4 = E  13 = N  22 = W 
5 = F  14 = O  23 = X 
6 = G  15 = P  24 = Y 
7 = H  16 = Q  25 = Z 
8 = I  17 = R 
This value should be the same as the user entered check digit or else the Check Digit validation fails.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Alternate Bank Name 

Branch Number 

Alternate Branch Name 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for NonPost or Giro Account Number
If the length is less than 10, then it is converted to a 10 digit number by prefixing it with as many leading zeroes as is necessary.
The Netherlands government provides the following factor table for each of the 10 digits:
Digit  Factor 

1st  10 
2nd  9 
3rd  8 
4th  7 
5th  6 
6th  5 
7th  4 
8th  3 
9th  2 
10th  1 
These are multiplied and the sum of the products is calculated
If the result so obtained is perfectly divisible by 11 (that is, no remainder on division by 11), then the test is successful, else the account number entered is not valid.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Account Number
The check digit is set as the last (that is, the 11th digit) of the Account Number.
For example, if the account number is '02056439653', then the check digit is set to '3'.
The Norwegian government provides the following factor table:
Digit  Factor 

1st  5 
2nd  4 
3rd  3 
4th  2 
5th  7 
6th  6 
7th  5 
8th  4 
9th  3 
10th  2 
The first ten digits of the account number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Example using account number '02056439653':
Multiply each digit with the given factor.
Digit  Value  Factor  Result 

1st  0  5  0 
2nd  2  4  8 
3rd  0  3  0 
4th  5  2  10 
5th  6  7  42 
6th  4  6  24 
7th  3  5  15 
8th  9  4  36 
9th  6  3  18 
10th  5  2  10 
Total  163 
So the computed sum for this example is 163.
The computed sum is then added to the check digit.
In the above example, 163 + 3 = 166.
Divide the result by 11.
166 / 11 = 15
Derive the remainder.
166  (11 * 15) = 1
If the remainder is '0', then the validation is successful, else the check fails.
In the given example, the check fails the Account Number as the remainder is 1.
If the 11th digit of the Account Number was 2 (that is, the check digit would be 2), then the remainder would be 165  (11 * 15) = 0 and the check on the Account Number would be successful.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Check Digit
A check digit is formed (CD1) from the Bank Number, Branch Number, and Account Number by concatenating the three numbers.
For example, using Bank Number '1234', Branch Number '5678', and Account Number '12345678901'.
Then CD1 is set as '1234567812345678901'.
The Portuguese government provides the following factor table:
Digit  Factor 

1st  73 
2nd  17 
3rd  89 
4th  38 
5th  62 
6th  45 
7th  53 
8th  15 
9th  50 
10th  5 
11th  49 
12th  34 
13th  81 
14th  76 
15th  27 
16th  90 
17th  9 
18th  30 
19th  3 
The nineteen digits of the created check digit (CD1) are multiplied by the associated factor. The multiple sum is then calculated by summing the totals.
Example using the above value for CD1 :
Digit  Value  Factor  Result 

1st  1  73  73 
2nd  2  17  34 
3rd  3  89  267 
4th  4  38  152 
5th  5  62  310 
6th  6  45  270 
7th  7  53  371 
8th  8  15  120 
9th  1  50  50 
10th  2  5  10 
11th  3  49  147 
12th  4  34  136 
13th  5  81  405 
14th  6  76  456 
15th  7  27  189 
16th  8  90  720 
17th  9  9  81 
18th  0  30  0 
19th  1  3  3 
Total  3794 
Divide the result by 97.
3794 / 97 = 39
Derive the remainder.
3794  (39 * 97) = 11
CD1 is then derived by subtracting the remainder from 97.
97  11 = 86. So for this example CD1 = 86.
If the calculated value for CD1 is not the same as the user entered check digit, then the check digit fails the validation.
In the given example, unless the user entered check digit is '86', the validation will fail.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Check Digit
Two check digits are calculated, CD1 from the Bank Number and Branch Number and CD2 from Account Number in the following manner; these are then used as the basis for the check digit validity test:
CD1
For the Bank Number, the Spanish government provides the following factor table:
Digit  Factor 

1st  4 
2nd  8 
3rd  5 
4th  10 
The four digits of the Bank Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Example using Bank Number '1234':
Multiply each digit with the given factor.
Digit  Value  Factor  Result 

1st  1  4  4 
2nd  2  8  16 
3rd  3  5  15 
4th  4  10  40 
Total  75 
So the computed sum for this example is 75.
For the Branch Number, the Spanish government provides the following factor table:
Digit  Factor 

1st  9 
2nd  7 
3rd  3 
4th  6 
The four digits of the Branch Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Example using Branch Number '5678':
Multiply each digit with the given factor.
Digit  Value  Factor  Result 

1st  5  9  45 
2nd  6  7  42 
3rd  7  3  21 
4th  8  6  48 
Total  156 
So the computed sum for this example is 156.
The computed sums from both the Bank Number and Branch Number calculations are then summed up.
From the above example, it is 75 + 156 = 231.
Divide the result by 11.
231 / 11 = 21
Derive the remainder.
231  (11 * 21) = 0
CD1 is then derived by subtracting the remainder from 11. If difference is 11, then CD1 is 0 and if difference is 10, then CD1 is 1
11  0 = 11. So for this example, CD1 = 11 = 0.
CD2
For the Account Number, the Spanish government provides the following factor table:
Digit  Factor 

1st  1 
2nd  2 
3rd  4 
4th  8 
5th  5 
6th  10 
7th  9 
8th  7 
9th  3 
10th  6 
The ten digits of the bank number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Example using account number '1234567890':
Multiply each digit with the given factor.
Digit  Value  Factor  Result 

1st  1  1  1 
2nd  2  2  4 
3rd  3  4  12 
4th  4  8  32 
5th  5  5  25 
6th  6  10  60 
7th  7  9  63 
8th  8  7  56 
9th  9  3  27 
10th  0  6  0 
Total  280 
So the computed sum for this example is 280.
Divide the result by 11.
280 / 11 = 25
Derive the remainder.
280  (11 * 25) = 5
CD2 is then derived by subtracting the remainder from 11.
11  5 = 6. So for this example CD2 = 6.
Check Digit Validity Test
The value in the user entered check digit field is compared to the calculated CD1 and CD2 using the following checks, if both of the checks are true, then the validation is unsuccessful.
Check  Description 

1  CD1 is compared to the first digit of the entered check digit field 
2  CD2 is compared to the second digit of the entered check digit field 
Example of the test using the previously calculated CD1 and CD2:
Where CD1 = 0 and CD2 = 6 and suppose the user entered Check Digit Value is '05'. As CD2 does not match, the check digit is invalid.
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Account Type  Mandatory during Account creation. 
Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Validation Rules
The fields are checked for validity by adopting the following rules:
Field  Rules 

Bank Number 

Branch Number 

Account Number 

Check Digit 

Check Algorithm for Routing Transit Number
The ninth digit of the Number field is used to represent the Check Digit.
A calculated Check Digit is computed from the remaining 8 digits using Modulus 10 algorithm.
Multiply each digit in the Routing Transit Number by a weighting factor. The weighting factors for each digit areas given in the following table:
Digit  Factor 

1st  3 
2nd  7 
3rd  1 
4th  3 
5th  7 
6th  1 
7th  3 
8th  7 
The digits of the Routing Transit Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Subtract the sum from the next highest multiple of 10. The result is the calculated Check Digit. This should be the same as the 9th digit of the Branch Number or Routing Transit Number, else the Branch Number or Routing Transit Number is invalid.
For Example:
Digit  Value  Factor  Result 

1st  0  3  0 
2nd  7  7  49 
3rd  6  1  6 
4th  4  3  12 
5th  0  7  0 
6th  1  1  1 
7th  2  3  6 
8th  5  7  35 
Total  109 
So the Check Digit = 1 (110 minus 109)
In this example, the Routing Transit Number '076401251' will pass validation.
Unique Validation Rules
The unique key will be the combination of:
BANK
Bank Number, Country
Bank Name, Country
BRANCH
Bank ID, Branch Number
Bank ID, Branch Name
ACCOUNT
Bank Branch ID, Bank Account Number, Bank Account Name, Currency
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