Loan Payment Extension
Loan Payment Extension is a jXchange messaging service designed to extend a loan beyond the contractual maturity date.
Message Flow
Message flow involves the exchange of
MType
complexes between
the Third Party Consumer and the Service Provider.
Primary Request
The Third Party Consumer forwards the
LnPmtExtRq_MType
complex
to the Service Provider containing:
ErrOvrRdInfoArray_AType
AccountId_CType
LnPmtExtInfo_CType
Primary Response
The Service Provider returns the
LnPmtExtRs_MType
message
containing:
CondNotfArray_AType
RsStat_Type
Behavior
The account identification is required.
The loan payment extension information complex contains the elements specific to the loan extension service, such as loan fees contained by an array. This is a required complex.
The response includes the condition notification array to convey to the consumer the other services that might need to be requested to complete the loan extension.
The Service Provider could return a fault if an extension already exists for the loan that would require the consumer to return the message with an override. The Service Provider will then overwrite the pervious extension.
Loan Payment Extension Business Case
In this example, a consumer is extending a loan.
The consumer sends the LnPmtExtRq
message to the Service
Provider with the following values:
Complex Element | Simple Element | Entry Value |
---|---|---|
AccountId | AcctId | 5551234555123456 |
AcctType | L |
Complex Element | Simple Element | Entry Value |
---|---|---|
LnPmtExtInfo | NxtPayDt | 2010-04-27 |
PmtDayOfMonth | 27 | |
MatDt | 2010-05-07 | |
ExtTerm | TermCnt | 30 |
TermUnits | Days | |
Desc | Add another month onto the loan. |
The Service Provider returns the RsStat
with a status of
Success.
LnPmtExtRq_MType
LnPmtExtRq_MType
is a message
MType
element.
Contains:
AccountId_CType
Custom_CType
ErrOvrRdInfoArray_AType
LnPmtExtInfo_CType
MsgRqHdr_CType
AccountId_CType
AccountId_CType
is a complex
CType
element. This element contains the incoming account
identification information and any restrictions.
Simple Elements
The following simple elements are contained within this complex.
- AcctId
- The number or character that identifies an account record.
- AcctType
- The number or character that categorizes the AcctId.
- Rstr
- The level of restrictions that can exist at a parent and/or child node. Canonical
values are:
- Hid
- NoAccess
- NoAccessPart
- ReadOnly
- ReadOnlyPart
- ReadWrite
- ReadWritePart
Custom_CType
Custom_CType
is a complex CType
element.
This element is optional.
ErrOvrRdInfoArray_AType
ErrOvrRdInfoArray_AType
is an array
AType
element. This is an array of overrides for
faults.
Contains:
ErrOvrRd_CType
ErrOvrRd_CType
ErrOvrRd_CType
is a complex CType
element. This
element is used to override errors created in a previous request. This element is
optional.
Simple Elements
The following simple elements are contained within this complex.
- ErrCode
- The Soap Header Fault error code.
LnPmtExtInfo_CType
LnPmtExtInfo_CType
is a complex
CType
element.
Contains:
ExtTerm
referencesTerm_CType
LnFeeArray_AType
Simple Elements
The simple elements contained within this complex are listed below.
- MatDt
- The maturity date.
- NxtPayDt
- The next payment date.
- PmtDayOfMonth
- The day of month for payment. This code is only required if the payment due date is the 29th of the month.
ExtTerm
Term_CType
is a complex
CType
element. This complex contains loan account term
information. This element is optional.
This element references the Term_CType
.
Simple Elements
The following simple elements are contained within this complex.
- DaysCall
- The notice and number of business days required for withdrawal. Required if TermUnits is set to Indefinite.
- Desc
- The generic description.
- TermCnt
- The integer length of the term.
- TermUnits
- The term units: years, months, days, indefinite. Canonical values
are:
- Days
- Indefinite
- Months
- NA
- SemiMonthly
- Years
MsgRqHdr_CType
MsgRqHdr_CType
is a complex CType
element. This is the default
message request header.
Contains:
AuthenUsrCred_CType
jXchangeHdr_CType
Simple Elements
The following simple elements are contained within this complex.
- AuthenProdCred
- Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.
AuthenUsrCred_CType
AuthenUsrCred_CType
is a complex CType
element. This element represents authentication of the end-user credentials in
the form of a WS Security element that contains a single SAML V2.0
Assertion.
Simple Elements
The following simple elements are contained within this complex.
- Security
- Defines the wsse:Security SOAP header element per section 4.
jXchangeHdr_CType
jXchangeHdr_CType
is a complex
CType
element.
Simple Elements
The following simple elements are contained within this complex.
- AuditUsrId
- The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
- AuditWsId
- The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
- AuthenUsrId
- The user ID which the consumer would like the service provider to authenticate with
for the Soap Header Fault. It is a user ID that the provider understands.
This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header
SrchMsgRqHdr_CType
and the Message Request HeaderMsgRqHdr_CType
. AuthenUsrId is ignored by the service providers when the authentication user credentialsAuthenUsrCred_CType
package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security. - BusCorrelId
- The correlation identification as related to business functions and activities.
- ConsumerName
- The name of the service consumer (business name) for the Soap Header Fault.
- ConsumerProd
- The name of the product which is consuming the service (business product name) for the Soap Header Fault.
- InstEnv
- An identification provided by the consumer that defines the environment in which the
institution is operating. Canonical values are:
- Prod
- InstRtId
- The identification of the entity of the submitted message. A
financial institution entity uses the routing transit or nine-digit number assigned to
financial institutions for routing as assigned by the American Bankers Association. Any
leading zeros must be provided for a complete routing and transit number. A
non-financial institution entity should use a mutually agreed upon identification that
must contain at least one non-integer character.
The element is required in all message requests.
- jXLogTrackingId
- An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
- JxVer
- Contains the version jXchange is running for the Soap Header Fault.
- ValidConsmName
- The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
- ValidConsmProd
- The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
- WorkflowCorrelId
- The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
- AuthenUserId
- This element deprecates in three years in accordance with XSD contract tenets.
Effective date: 2012–01–01. The new complex element for user authentication credentials
was added to the Search Message Request Header,
SrchMsgRqHdr_CType,
and the Message Request Header,MsgRqHdr_CType
.AuthenUsrId
is ignored by the service providers when the authentication user credentialsAuthenUsrCred_CType
package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established byWS-Security
.
LnPmtExtRs_MType
LnPmtExtRs_MType
is a message
MType
element.
Contains:
CondNotfArray_AType
Custom_CType
MsgRsHdr_CType
Simple Elements
The simple elements contained within this message are listed below.
- RsStat
- The status of the response. Canonical values are:
- Fail
- Success
CondNotfArray_AType
CondNotfArray_AType
is an array
AType
element. This is an array of condition notifiers used
to define conditional notification status.
Contains:
CondNotfInfo_CType
CondNotfInfo_CType
CondNotfInfo_CType
is a complex
CType
element.
Simple Elements
The following simple elements are contained within this complex.
- CondNotf
- The conditions that exist on an account or customer to notify the consumer to use
another service. Canonical values:
- AcctAnlys
- AcctCombStmt
- AcctProdOvrrd
- AcctSweep
- AddrAcct
- AddrIRSRpt
- AddrNot
- AddrOvrrd
- AddrPmts
- AddrSeasonal
- AddrStmt
- AlertMsg
- CollatMsg
- CollatTrack
- ColMsg
- Escrw
- FASB91
- FraudAlert
- LnPmtSched
- LnRateSched
- LnUnit
- LineOfCr
- MemoPost
- Msg
- ODProt
- PlnBenf
- RealEstateProp
- StopAlerts
- StopHold
- StopPay
- Stops
- StopSpecInstr
- TimeDepRenOvrrd
- XferACH
- XferFut
Custom_CType
Custom_CType
is a complex CType
element.
This element is optional.
MsgRsHdr_CType
MsgRsHdr_CType
is a complex
CType
element. This is the default message response
header.
Contains:
jXchangeHdr_CType
MsgRecInfoArray_AType
jXchangeHdr_CType
jXchangeHdr_CType
is a complex
CType
element.
Simple Elements
The following simple elements are contained within this complex.
- AuditUsrId
- The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
- AuditWsId
- The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
- AuthenUsrId
- The user ID which the consumer would like the service provider to authenticate with
for the Soap Header Fault. It is a user ID that the provider understands.
This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header
SrchMsgRqHdr_CType
and the Message Request HeaderMsgRqHdr_CType
. AuthenUsrId is ignored by the service providers when the authentication user credentialsAuthenUsrCred_CType
package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security. - BusCorrelId
- The correlation identification as related to business functions and activities.
- ConsumerName
- The name of the service consumer (business name) for the Soap Header Fault.
- ConsumerProd
- The name of the product which is consuming the service (business product name) for the Soap Header Fault.
- InstEnv
- An identification provided by the consumer that defines the environment in which the
institution is operating. Canonical values are:
- Prod
- InstRtId
- The identification of the entity of the submitted message. A
financial institution entity uses the routing transit or nine-digit number assigned to
financial institutions for routing as assigned by the American Bankers Association. Any
leading zeros must be provided for a complete routing and transit number. A
non-financial institution entity should use a mutually agreed upon identification that
must contain at least one non-integer character.
The element is required in all message requests.
- jXLogTrackingId
- An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
- JxVer
- Contains the version jXchange is running for the Soap Header Fault.
- ValidConsmName
- The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
- ValidConsmProd
- The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
- WorkflowCorrelId
- The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
- AuthenUserId
- This element deprecates in three years in accordance with XSD contract tenets.
Effective date: 2012–01–01. The new complex element for user authentication credentials
was added to the Search Message Request Header,
SrchMsgRqHdr_CType,
and the Message Request Header,MsgRqHdr_CType
.AuthenUsrId
is ignored by the service providers when the authentication user credentialsAuthenUsrCred_CType
package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established byWS-Security
.