Validations

Fields used in Online and Mobile Banking have conditions which must be meet in order for the process the fields are part of to be successful. The input values are checked by the system to validate the structure and content. These types of validations are paramount for the system to examine and run some processes in the back-end.

Payments

IBAN

In the in the field Account, the IBAN or Account number are distinguished baed on:

• the first two characters inputted to be letters and representing the country code
• the country code will be checked against the FTOS_IB_BankNameIBAN.
• For cases B, D, E, F, G the country code is the one in CountryISOCode, .

If the system detects it is an IBAN, the following validations are done:

• Permitted IBAN characters are the digits 0 to 9 and the 26 Latin alphabetic characters A to Z
• Length has to be fixed based on the country 22-34 characters, checking that the total IBAN length is correct as per the country.
• Characters 3 and 4 represent the check digits.

Amount

It must be bigger than zero.

Execution Date

Results from comparing the current date and time towards:

• the cut-offs for each payment schema (FTOS_IB_PymtTypes)

  and

• currencies (in case of Non-SEPA SWIFT Payments) (FTOS_IB_PymtTypes attribute currencyCutOff)

  and

• payment holiday calendars (FTOS_IB_HolidayCalendar).

For validations on each payment schema, see Payments Split Schema.

Attachments

For payment in foreign currency, only if the Beneficiary Bank is outside of EEA [Outside regulation nomenclator 518], and the payment amount is higher than the system parameter FCYTrasholdthe field are displayed to the user to be collected and will be mandatory.

Budget Payment

If the default currency is Bulgarian, BGN and if the 813^th and 914^th digit of the inputted IBAN in Beneficiary Account (only Bulgarian IBANs) matches the digit in the FTOS_IB_BGBudgetRule Budget Digit Rule, then the payment type is budget.

EIK/Bulstat of the obligated party

Validation of the value in the field for companies in BG:

• It should only be written using numbers
• It must be 9, 10 or 13 digits long,
• It is checked BULSTAT It is an owner's document of the property in Bulgaria which shows the personal data of the owner, the location of the property and a special identification number. with a formula.

Setting the password for Online and Mobile Banking

In the step Online User Migration, a user sets their username and password for Online and Mobile Banking. The authentication provider manages the password conditions and validations:

• not recently used
• not sequence, letters, name of bank
• minimum 8 characters for the password
• password and username must be different
• the password must not be the email address
• the password must include digits, upper and lowercase, special characters
• the username must be unique, start with zero and have exactly 10 characters

Bulk Payments

The type of payment can be Domestic Payments, Direct Debits, Intrabank EUR Payments, Budget Payments. The file for import is analyzed by the system to match the validations:

• alphanumeric and digits are allowed
• for the amount: only numeric characters and “.” to separate 2 decimals are allowed
• date: only numeric characters and the format must be yyyymmdd:
  • first 2 characters can only be “20”
  • 3rd character needs to be equal or higher to “2”
  • 4th character can be any number 0 to 9
  • 5th and 6th characters can only be from 01 to 12
  • 7th and 8th characters have to be a number equal or lower to 31 (from 1 to 31 depending on the month)
• IBAN: its is validated to have the IBAN structure
• SWIFT: it is validated with the data from the dedicated entity FTOS_IB_BICSWIFT.