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Examples - 820

EDI notification overview Examples using 811
Remit examples using 820 Example 997 acknowledgement
Individual notifications Specific instructions 3rd party transmission schedule Mortgagee reason codes Federal wire payments
ACH payments EDI survey

Remit payment using the 820

Table 1 - Header
Examples for Payment Order/Remittance Advice (820)

Used to indicate the payer and payee of the 820 transaction set, as well as the payment method, invoice numbers and payment dates. If the transaction is being sent by a mortgage company service provider, the service provider information is also conveyed.

820 Data Format Description
ISA*00*0000000000*00* *ZZ*123456789
*ZZ*STFM   SF00053 *041115*0817*U
*00401*000000010*1*P*>~		 This is the envelope segment for the 820.
  • 000000010 is the unique number for this envelope.
GS*MG*123456789*STFM   SF00053 *20021115*0817*10*X*00401~
  • This is the group segment for the 820.
  • 10 is the unique number for this group.
ST*820*0003;
  • This is the transaction segment for the 820.
  • 0003 is the unique number for this transaction
BPR*C*3700.00*C*ACH*CTX*01*02100021
*DA*123456*987654321*003001002*01*0
2000021*DA*654321*19981215*VEN;		 This is the payment segment which identifies banking information.  State Farm’s banking information is as follows:
  • BPR12 01
  • BPR13 011001234
  • BPR14 DA
  • BPR15 0106151
  • BPR16 the settlement date
  • BPR17 VEN
TRN*1*7766554421*1727384756*003001002; The trace number is used to match this transaction with a banking transaction made through the Federal Reserve or Automated Clearing House.
  • The Trace Number is sent in field 7 of the Entry Detail Record of an ACH transaction.
  •  The Trace Number is sent in the RFB field of a Federal Reserve wire.
State Farm accepts up to a 15 position Trace Number.
REF*IV*0020170201ICA123123; The Invoice Number originally sent in the BIG02 element of the electronic billing (811).
  • IV Invoice Number
For Daily Billing and Payments, the Invoice Number follows the following format:
  • Position 1 is zero
  • Position 2 is zero
  • Position 3 - 10 is current date as CCYYMMDD
  • Position 11 - 13 is the ICA # given by State Farm
  • Position 14 - 19 is the Account # given by State Farm
DTM*003*20050101;
  • 003 Billing cycle date
For Daily Billing, the Billing Cycle Date of the latest 811 Invoice being paid.
 
DTM*009*20050201; This is the date that the lender’s system created the electronic remittance (820).
  • 009 Process date
N1*PR**FI*123456789; The lender responsible for paying the insurance premium.
  • PR Payer
  • FI Payer Tax ID
N4*****RJ*01; The Lender’s Branch Code is used in conjunction with the Tax ID to create a unique identifier.
  • RJ Payer’s Branch code
N1*PE**FI*370533100; This identifies the payee, State Farm Insurance.
  • PE Payee name
  • FI Payee Tax ID
  • 370533100 State Farm Tax ID
N1*SJ**FI*572982961; Identifies the Lender’s service provider.
  • SJ Service provider name
  • FI Service Provider Tax ID

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Example 7 - Policy Payment
Examples for Payment Order/Remittance Advice (820)

Table 2 - Detail

Detail section includes information specific to a single policy. This section will occur several times for each mortgage company payment or remittance explanation. In the following example a policy premium is being paid and a new loan number is given to the insurance company.

820 Data Format Description
ENT*1*MM*CL*333333333300001; Entity and new loan number
  • CL Changed Loan Number
  • LN Loan Number
NM1*IL*1*DOE, JOHN L;
  • IL Insured name
N3*27 COURT STREET; Insured property address
N4*SAN FRANCISCO*CA*94111; Insured property city, state and zip
RMR*IG*57BB554432**245*245; Identifies the insurance policy number and the amounts paid and billed.
  • IG Policy number
  • RMR04 Amount paid
  • RMR05 Amount billed from the electronic billing (811)
REF*ABC*01; State Farm Operation Center code from the REF*32 segment of the electronic billing (811).
  • ABC Operation Center Code
REF*NF*99902; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*UA*1; The Mortgage Order is important when State Farm is expected to make changes, for example, to the loan number.
  • UA  Mortgage Order (1, 2, or 3)
DTM*007*20040615; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050615; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date

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Example 8 - Payment Reason Code
Examples for Payment Order/Remittance Advice (820)

Table 2 - Detail

820 Data Format Description
ENT*2*MM*LN*123789456; Entity and new loan number
  • CL Changed Loan Number
  • LN Loan Number
RMR*IG*57BB554432**0*245; Identifies the insurance policy number and the amounts paid and billed.
  • IG Policy number
  • RMR04 Amount paid (zero)
  • RMR05 Amount billed from the electronic billing (811)
State Farm will receive in the 820 remittance both escrow and non-escrow policy information. Returning zero in the RMR05 element will identify non-escrow policies. Escrow policies will be identified by returning the original value of the IT104 element (of the 811 invoice) in the RMR05 element of the 820 remittance
REF*ABC*01; State Farm Operation Center code from the REF*32 segment of the electronic billing (811).
  • ABC Operation Center Code
REF*NF*25143; The NAIC code identifies the State Farm affiliate underwriting the insurance policy.
  • 25143 State Farm Fire
  • 43419 State Farm Lloyds
  • 25151 State Farm General
  • 10739 State Farm Florida
REF*TV*HOME; Line of business identifies the type of policy.
  • HOME Homeowner’s policy
  • PPTHO Renters
  • PPUHO Condo Unit Owners
  • DFIRE Fire
  • EQKP Earthquake
  • FARM Farm
  • BOAT Boat owners
  • RCUP Rental condo unit owner
  • PPMBH Mobil Home
  • PPCHO Condominium
  • PPART Apartment
  • FLOOD Flood
  • RDP Rental dwelling
  • COTHR Business Other
  • BOP Business owner
  • CNT Contractor
  • PPCHR Church
  • PAP Personal Articles
  • PLU Personal Liability Umbrella
REF*UA*1; The Mortgage Order is important when State Farm is expected to make changes, for example, to the loan number.
  • UA  Mortgage Order (1, 2, or 3)
DTM*007*20040131; This is the beginning date of the insurance policy’s term.
  • 007 Policy effective date
DTM*036*20050131; State Farm insurance policies are continuous until cancelled. This is when the insurance policy term expires unless renewed.
  • 036 Policy expiration date
ADX*245*H4; The Payment Reason code identifies why the payment differs from the originally billed amount.
  • H1 Information forthcoming
  • H2 Payment previously sent
  • H3 Loan paid in full
  • H4 Bill Insured
  • H5 Loan Service Released
  • H6 Partial payment remitted
  • H7 Payment forthcoming
  • H8 Bill Mortgagee
  • H9 Coverage Summary needed
  • K1 Other coverage placed
  • K2 Invalid Policy Number
  • K3 Renewal not received

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Table 3 - Summary
Examples for Payment Order/Remittance Advice (820)

This section completes the 820 Payment Order/Remittance Advice.

820 Data Format Description
SE*27*0003;
  • 0003 is the unique number for this transaction
  • 27 is the number of segments in this 820 transaction.

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