INSTRUCTION OF THE CENTRAL BANK OF RUSSIA

of April 25, 2007 No. 1822-U

About procedure for carrying out payments and implementation of calculations in system of gross calculations in real time the Bank of Russia

This Instruction is developed based on the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, N 28, Art. 2790; 2003, N 2, Art. 157; N 52, of Art. 5032; 2004, N 27, Art. 2711; N 31, of Art. 3233; 2005, N 25, Art. 2426; N 30, of Art. 3101; 2006, N 19, Art. 2061; N 25, of Art. 2648; 2007, N 1, Art. 9, Art. 10), Federal Law "About Banks and Banking Activity" (Russian Federation Code, Sheets of the Congress of People's Deputies of RSFSR and Supreme Council of RSFSR, 1990, N 27, Art. 357; Russian Federation Code, 1996, N 6, Art. 492; 1998, N 31, Art. 3829; 1999, N 28, Art. 3459, 3469; 2001, N 26, Art. 2586; N33 (part 1), Art. 3424; 2002, N 12, Art. 1093; 2003, N27 (part 1), Art. 2700; N 50, of Art. 4855; N52 (part 1), Art. 5033; 2004, N 27, Art. 2711; N 31, of Art. 3233; N 45, of Art. 4377; 2005, N 1, Art. 18, 45; N 30, of Art. 3117; 2006, N 6, Art. 636; N 31, of Art. 3439; 2007, N 1, Art. 9), parts two of the Civil code of the Russian Federation (Russian Federation Code, 1996, N 5, Art. 410, Art. 411; N 34, of Art. 4025; N 43, of Art. 4903; 1999, N 51, Art. 6228; 2002, N 48, Art. 4737; 2003, N 2, Art. 160, Art. 167; N 13, of Art. 1179; 2003, N 46, Art. 4434; N 52, of Art. 5034; 2005, N 1, Art. 15, Art. 45; N 13, of Art. 1080; N 19, of Art. 1752; N 30, of Art. 3100; 2006, N 6, Art. 636; 2007, N 1, the Art. 39, N 5, the Art. 558) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of April 18, 2007 N 9) determine procedure for carrying out payments and implementation of calculations in the system of gross calculations in real time the Bank of Russia which is referred to as with system of bank electronic due payments (daleesistem of BESP), participants of the BESP system and management of participation in the BESP system.

The terms and determinations used in this Instruction are applied in the values determined by regulations of the Bank of Russia.

Chapter 1. General procedure for carrying out payments in the BESP system

1.1. Carrying out payment in the BESP system includes the following obligatory stages:

creation of the electronic payment message (further - EPS) the participant of the BESP system (further - the participating originator) and transfer of EPS to the BESP system according to the procedure, determined by regulations of the Bank of Russia and the agreement in which are determined the rights and obligations of credit institution (its branch), other client of the Bank of Russia which is not credit institution (its branch), and the Bank of Russia arising when implementing calculations and carrying out payments through the BESP system (further - the agreement);

acceptance, processing of EPS in the BESP system and calculation implementation according to the procedure, established by this Instruction;

acceptance by participants of electronic messages on implementation of calculations in the BESP system and reflection of the amount of the registered payment on bank accounts of participants in the Bank of Russia date of implementation of calculation in the BESP system.

1.2. On each of obligatory stages of carrying out payment the transactions providing carrying out payment between working interest owners of calculations (further - PUR), special participants of calculations (further - OUR), affiliate members of calculations are carried out (further - AUR). The structure and the sequence of the specified transactions are established by this Instruction.

1.3. For implementation of calculations in the BESP system the settlement document in the form of the payment order which is constituted by the payer according to the rules of filling of fields of settlement documents established by regulations of the Bank of Russia is used.

The payer in the payment order (the daleeiskhodny payment order) constituted by him specifies:

in the field "Payment type" - value "is urgent";

in bank details of the payer - details of the participant of the BESP system (PUR, OUR or AUR, if AUR - credit institution (its branch), being the payer or the bank serving the payer (further - the participating payer);

in bank details of the receiver - details of the participant of the BESP system (PUR, OUR or AUR, if AUR - credit institution (its branch), being the receiver or the bank serving the receiver (further the participating receiver).

1.4. The participant of the BESP system based on details of the payment order constitutes EPS, draws up it according to the procedure established by regulations of the Bank of Russia and the agreement.

1.4.1. For carrying out payment through the BESP PUR system - the payer constitutes EPS based on details of the payment order accepted to execution from the served client or constituted for carrying out own payments.

In case of creation of EPS PUR if necessary supplements details EPS with conditions of its carrying out in the form of value of priority "emergency" according to the parameters of management specified in the Reference book of participants of the BESP system which procedure for maintaining is established by this Instruction.

PUR transfers EPS directly to the BESP system.

1.4.2. For carrying out payment through the BESP OUR system - the payer constitutes EPS based on details of the payment order constituted for carrying out own payments and gives EPS to payment system of the Bank of Russia at the level of territorial office (further - TU).

1.4.3. For carrying out payment through the AUR BESP system constitutes EPS based on details of the payment order accepted to execution from the client payer served by it or constituted for carrying out own payments and transfers EPS to payment system of the Bank of Russia at the level of TU.

In case of creation of EPS OUR (AURAS) does not supplement details EPS with conditions of its carrying out, all payments of OUR (AURAS) are registered in the BESP system in accordance with general practice.

1.5. EPS for representation in the BESP system are constituted by date of the present operational day of the BESP system, provided with the means of cryptographic information security accepted in the Bank of Russia for the information security transferred in electronic form.

1.6. EPS is constituted by the participating originator for transfer to the BESP system (further - initial EPS) according to formats of electronic messages.

1.7. EPS shall contain the following obligatory details of electronic messages:

group of the details allowing to identify unambiguously the electronic message in system (sequence number, date of creation, the unique identifier of the originator);

the details established by the requirements of regulations of the Bank of Russia regulating the rules of implementation of clearing settlements necessary for carrying out payment in the BESP system which structure is determined by the list of obligatory details for each type of the electronic message according to formats of electronic messages;

the authentication code applied according to the requirements established by regulations of the Bank of Russia.

1.8. In case of creation of EPS in the BESP system based on the initial EPS accepted to execution in the BESP system, in addition to the listed above obligatory details, the reference group of details of initial EPS (its sequence number, date of creation, the unique identifier of the originator of EPS) joins.

1.9. EPS constituted by participants of calculations in defiance of requirements of regulations of the Bank of Russia and the agreement are not accepted in the BESP system and are excluded from further processing for the following reasons:

control of integrity and invariance of EPS (authentication of EPS) and control of compliance of code of authentication of EPS to details of uchastnikasostavitel of EPS came to the end with negative result;

structural control came to the end with negative result;

control of duplication of EPS came to the end with negative result.

1.10. EPS accepted in the BESP system can remain not performed in the following cases:

in case of withdrawal of EPS from intra day queue of the postponed EPS;

in case of insufficiency of liquidity until the end of the present operational day of the BESP system for execution of EPS from intra day queue of the postponed EPS PUR;

as a result of holding procedural control procedures.

1.11. The EPS accepted in the BESP system, but not taken into consideration during the operational day are cancelled before completion of functioning of the BESP system date of this operational day.

1.12. In case of exception (cancellation) of EPS to the participant of the BESP system the electronic office information message (further - ESIS) containing the following obligatory details is transferred:

it is unambiguous to identify the reference to group of the details EPS allowing it;

the status of EPS (it is excluded it (is cancelled) with indication of the reason of exception (cancellation) of EPS in the BESP system;

it is unambiguous to identify the reference to the obligatory details ESIS allowing it (if ESIS is transferred at the request of the participant).

Chapter 2. Procedure for carrying out payments of PUR

2.1. PUR constitutes EPS and transfers him to the BESP system.

2.2. EPS transferred to PUR to the BESP system is accepted and processed according to the procedure established in Chapters 5 and 6 of this Instruction and in case of compliance of details EPS to rules of carrying out payments in the BESP system and to the conditions of criterion of immediate calculation determined by the Provision of the Bank of Russia of April 25, 2007 No. 303-P "About system of gross calculations in real time of the Bank of Russia", registered by the Ministry of Justice of the Russian Federation on May 17, 2007 No. 9490, on July 8, 2010 No. 17765, on March 1, 2012 No. 23393, on June 18, 2012 No. 24595, on July 22, 2014 No. 33215, on October 28, 2015 No. 39511 ("the Bulletin of the Bank of Russia" of May 25, 2007 No. 31, of July 14, 2010 No. 40, of March 14, 2012 No. 14, of June 27, 2012 No. 33, of August 13, 2014 No. 73, of November 12, 2015 No. 102) (further - the Provision of the Bank of Russia No. 303-P), in the BESP system calculation is perfromed.

When implementing calculation in the BESP system:

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