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In 2008, the Bank Administration Institute transferred copyright ownership of the BAI file format to the Accredited Standards Committee X9, Inc. - Financial Industry Standards . As of early 2009, the document is being revised by an X9 committee of bankers and corporate members to become an American National Standard.
A parser that implements SAX (i.e., a SAX Parser) functions as a stream parser, with an event-driven API. [1] The user defines a number of callback methods that will be called when events occur during parsing. The SAX events include (among others): XML Text nodes; XML Element Starts and Ends
the Simple API for XML parsing interface or SAX interface; the Streaming API for XML or StAX interface (part of JDK 6; separate jar available for JDK 5) In addition to the parsing interfaces, the API provides an XSLT interface to provide data and structural transformations on an XML document.
The specification allows for bank- and application-specific extensions, although only a subset is necessary to describe a financial transaction. Versions 1.0 through 1.6 relied on SGML for data exchange, but later versions are XML based. According to the main OFX site, "The specification is freely licensed, allowing any software developer to ...
Streaming API for XML (StAX) is an application programming interface to read and write XML documents, originating from the Java programming language community. Traditionally, XML APIs are either: DOM based - the entire document is read into memory as a tree structure for random access by the calling application
An open API (often referred to as a public API) is a publicly available application programming interface that provides developers with programmatic access to a (possibly proprietary) software application or web service. [1] Open APIs are APIs that are published on the internet and are free to access by consumers. [2]
The payment gateway converts the message from XML to ISO 8583 or a variant message format (format understood by EFT Switches) and then forwards the transaction information to the payment processor used by the merchant's acquiring bank. The payment processor forwards the transaction information to the card association (e.g. Visa, Mastercard ...
The card number is typically embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may also be imprinted on the back of the card. The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code