This post is all about decoding bai
file type. so that any application can be developed convert bai file type to csv or any. csv file is nothing but
comma separated values, a simple file format used to store tabular data like
spreadsheets. Prior to that, what is bai file type? bai is a file type (.bai extension) used to balance report in banking industry. Technically .bai is just a text file with respective delimiters called codes. Though comma is the column separator, the .bai files are
typically formatted in such a way to represent other information using the prefix numeric code with every newline.
The first two digits of each line is the standard
code for each line type to tell the system what type of line it is.
------------------------------------------------
01,,,,,,,,
02,,,,1230530,,,
03,80457080,,,,,,
16,475,3000,,1230530,,,456,
88,,
------------------------------------------------
01,,,,,,,,
02,,,,1230530,,,
03,80457080,,,,,,
16,475,3000,,1230530,,,456,
88,,
16,475,30000,,1230530,,,789,
98,,,
99,20000,,2
------------------------------------------------
98,,,
99,20000,,2
------------------------------------------------
Interpretation
01 File Header Begins File
02 Group Header Begins Group
03
Account Identifier Begins Account
16
Transaction Detail (Optional) Within Account
88
continuation of details
49
Account Trailer Ends Account
98 Group Trailer Ends Group
99 File Trailer Ends File
01
|
File Header
|
The file header marks the beginning of a file. It identifies the
sender and receiver of the transmission, and it describes the structure of
the file.
|
02
|
Group Header
|
The group header identifies a group of accounts that are from
the same originator and includes the same as-of-date and as-of-time.
|
03
|
Account Identifier and Summary/Status
|
This record identifies the account number and reports activity
summary and account status information. Summary information may be
accompanied by an item count and funds availability distribution.
|
16
|
Transaction Detail
|
This record is used for transmission of detail transaction
information. Transaction detail may include two reference numbers and a
free-form alphanumeric text.
|
88
|
Continuation
|
A Continuation record is used when data exceed the maximum
physical record length, or whenever it is desirable to continue data into an
additional record. It may follow any record type, including another
“continuation” (88) record.
|
49
|
Account Trailer
|
The Account Trailer record provides account control
totals |
98
|
Group Trailer
|
This record provides group control totals.
|
99
|
File Trailer
|
This record provides file control totals.
|
File Header
It contains sender, receiver alphanumeric identifiers, File
created date in YYMMDD format, File created time, file identification id, number
of characters, block size, version number.
Group Header
It contains receiver identifier, originator identifier,
status, date, time, currency code.
Account Header
It contains customer account number, currency code, type
code, amount, item count, fund type
Transaction Header
It contains Transaction type code, Amount, fund type, bank
reference number, customer reference number, Text. Among transaction type code 010
to 099 are reporting purpose. 100 to 399 type codes indicate Credit transaction.
400 to 760 indicate debit transaction.
A bai
file should starts with 01 & ends with 99 code. It can have multiple groups
starts with 02 & ends with 98 codes. Account details should be inside the
group header. 16 indicates all type of Transaction details when the information
is large than the continuations will be present with 88 code in next line.
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