TWIST Format
The TWIST format captures the following information:
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Header - It contains the header ID.
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Electronic Statement - The system groups the statements where the sender and receiver are the same. It contains the following:
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Statement Header - It contains information about the following:
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Sender - A sender is a financial institution who sends the statement to the customer.
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Sender Individual Contact - A sender individual contact is a person whom you can contact in case of technical problems at the sender's location.
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Receiver - A receiver is a customer to whom you want to send the statement.
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Receiver Individual Contact - A receiver individual contact is a person whom you can contact in case of technical problems at the receiver's location.
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Statement - It contains information from one or more regular bills for a statement cycle. There can be more than one statement section. However, these statements will be from the same sender and will be addressed to the same receiver. It contains information with respect to the following:
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Accounts whose bill details are extracted in the statement
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Branch to which the account belongs
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Tax details of the account
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Contact person at the branch office
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Exchange rates which are used for calculations
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Price items for which the charges are created
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Pricing used while creating the charges
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Distribution codes where tax is applicable
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Individual taxes applied on the charges
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Adjustments created with respect to the services and posted onto the bill
In addition, it contains the following:
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Sum total of charges where taxes are not applicable
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Sum total of charges where taxes are applicable
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Sum total of taxes calculated for each tax distribution code
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Sum total of all service charges and taxes billed to the receiver
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Sum total of all taxes charged to the receiver (i.e. customer)
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The following code snippet illustrates how the tags are nested in the TWIST format:
<Twist>
<header>
<messageId></messageId>
<inReplyTo></inReplyTo>
<sentBy>
<typedPartyId>
<partyId></partyId>
<partyIdType></partyIdType>
</typedPartyId>
<partyName></partyName>
</sentBy>
<creationTimestamp></creationTimestamp>
<expiryTimestamp></expiryTimestamp>
</header>
<electronicStatement>
<statementHeader>
<stmtSender>
<orgId>
<orgIdType></orgIdType>
<orgIdNum></orgIdNum>
</orgId>
<industId>
<industIdType></industIdType>
<industIdNum></industIdNum>
</industId>
<name></name>
<legalName></legalName>
<contactInfo>
<departmentName></departmentName>
<email></email>
<fax></fax>
<otherCommunication>
<channelCode></channelCode>
<value></value>
</otherCommunication>
<phoneNumber></phoneNumber>
<postAddress>
<addressIdentifier></addressIdentifier>
<postBox></postBox>
<floor></floor>
<room></room>
<addressLine></addressLine>
<streetName></streetName>
<buildingName></buildingName>
<buildingNum></buildingNum>
<city></city>
<countrySubDivision>
<code></code>
<name></name>
</countrySubDivision>
<country></country>
<countryIdentification>
<code></code>
<name></name>
</countryIdentification>
<postCode></postCode>
</postAddress>
<prefMethod></prefMethod>
</contactInfo>
<individualContact>
<name></name>
</individualContact>
</stmtSender>
<stmtReceiver>
<orgId>
<orgIdType></orgIdType>
<orgIdNum></orgIdNum>
</orgId>
<industId>
<industIdType></industIdType>
<industIdNum></industIdNum>
</industId>
<name></name>
<legalName></legalName>
<contactInfo>
<departmentName></departmentName>
<email></email>
<fax></fax>
<otherCommunication>
<channelCode></channelCode>
<value></value>
</otherCommunication>
<phoneNumber></phoneNumber>
<postAddress>
<addressIdentifier></addressIdentifier>
<postBox></postBox>
<floor></floor>
<room></room>
<addressLine></addressLine>
<streetName></streetName>
<buildingName></buildingName>
<buildingNum></buildingNum>
<city></city>
<countrySubDivision>
<code></code>
<name></name>
</countrySubDivision>
<country></country>
<countryIdentification>
<code></code>
<name></name>
</countryIdentification>
<postCode></postCode>
</postAddress>
</contactInfo>
<individualContact>
<name></name>
</individualContact>
</stmtReceiver>
</statementHeader>
<statement>
<account>
<accountLevel></accountLevel>
<bban></bban>
<iban></iban>
<statementStartDate></statementStartDate>
<statementEndDate></statementEndDate>
<statementProductionDate></statementProductionDate>
<statementStatus></statementStatus>
<accountName></accountName>
<domicileBankQualifier></domicileBankQualifier>
<domicileBankIdentifier></domicileBankIdentifier>
<parentAccount>
<parentLevel></parentLevel>
<parentBankQualifier></parentBankQualifier>
<parentBankIdentifier></parentBankIdentifier>
<parentAccountBBAN></parentAccountBBAN>
</parentAccount>
<compensationMethod></compensationMethod>
<debitAccount></debitAccount>
<delayedDebitDate></delayedDebitDate>
<settlementAdvice></settlementAdvice>
<accountBalanceCurrencyCode></accountBalanceCurrencyCode>
<settlementCurrencyCode></settlementCurrencyCode>
<hostCurrencyCode></hostCurrencyCode>
<taxCalculationMethod></taxCalculationMethod>
<taxRegionCode></taxRegionCode>
<taxRegionResident></taxRegionResident>
<bankContactName></bankContactName>
<bankContactPhone></bankContactPhone>
<bankContactEmail></bankContactEmail>
<bankContactFax></bankContactFax>
</account>
<taxExplanation>
<taxReason>
<taxReasonCode></taxReasonCode>
<taxReasonExplanation></taxReasonExplanation>
</taxReason>
</taxExplanation>
<currencyTranslation>
<originalCurrency></originalCurrency>
<targetCurrency></targetCurrency>
<translationValue></translationValue>
<basis></basis>
</currencyTranslation>
<compensation>
<compensationIdentifier></compensationIdentifier>
<compensationValue>
<amount></amount>
<currency></currency>
</compensationValue>
</compensation>
<service>
<bankServiceID></bankServiceID>
<serviceDescription></serviceDescription>
<serviceType></serviceType>
<volume></volume>
<pricingCurrencyCode></pricingCurrencyCode>
<unitPrice>
<amount></amount>
<currency></currency>
</unitPrice>
<priceMethod></priceMethod>
<paymentMethod></paymentMethod>
<originalChargePrice>
<amount></amount>
<currency></currency>
</originalChargePrice>
<originalChargeSettlement>
<amount></amount>
<currency></currency>
</originalChargeSettlement>
</service>
<taxDetails>
<taxRegion>
<taxRegionNumber></taxRegionNumber>
<taxRegionName></taxRegionName>
<customerTaxId></customerTaxId>
<taxInvoiceNumber></taxInvoiceNumber>
<serviceDetail>
<bankServiceId></bankServiceId>
<serviceDescription></serviceDescription>
<originalCharge>
<amount></amount>
<currency></currency>
</originalCharge>
</serviceDetail>
<taxCalculation>
<hostCurCode></hostCurCode>
<taxHostConversion>
<taxableSvcChargeAmount>
<amount></amount>
<currency></currency>
</taxableSvcChargeAmount>
<taxableSvcChargeHostAmount>
<amount></amount>
<currency></currency>
</taxableSvcChargeHostAmount>
</taxHostConversion>
<totalTaxableSvcChargeHostAmount>
<amount></amount>
<currency></currency>
</totalTaxableSvcChargeHostAmount>
<taxCalculationList>
<taxIdentificationNumber></taxIdentificationNumber>
<taxIdentifierDescription></taxIdentifierDescription>
<taxIdentifierRate></taxIdentifierRate>
<taxIdentifierTotalTaxAmount>
<amount></amount>
<currency></currency>
</taxIdentifierTotalTaxAmount>
</taxCalculationList>
<totalTaxAmount>
<amount></amount>
<currency></currency>
</totalTaxAmount>
</taxCalculation>
<settlementAmount>
<amount></amount>
<currency></currency>
</settlementAmount>
<taxDueToRegion>
<amount></amount>
<currency></currency>
</taxDueToRegion>
</taxRegion>
</taxDetails>
<serviceAdjustment>
<serviceAdjustmentType></serviceAdjustmentType>
<serviceAdjustmentDesc></serviceAdjustmentDesc>
<serviceAdjustmentAmt>
<amount></amount>
<currency></currency>
</serviceAdjustmentAmt>
<adjustmentErrorDate></adjustmentErrorDate>
<serviceAdjustmentID></serviceAdjustmentID>
<newCharge>
<amount></amount>
<currency></currency>
</newCharge>
</serviceAdjustment>
</statement>
</electronicStatement>
</Twist>