Set of characteristics that applies to the debit sideof the payment transactions included in the payment initiation. Identifyies the authorization level of the user or application that is sending the Business Object Document Message. This authorization level being recognized be the receiving system indicates what can be done on the receiving system(s). Number of individual transactions contained in the payment initiation, i.e., the number of occurrences of payment transaction. Indicates that the common debit information in the transactions is included once and not repeated for each transaction. Party initiating the payment to the forwarding or first agent. This can be the debtor (in a credit transfer), the creditor (in a direct debit) or a party that initiates the payment on behalf of the debtor or creditor. Financial institution that receives the payment transaction from the initiating party and processes the instruction. Allows the user of OAGIS to extend the specification in order to provide additional information that is not captured in OAGIS. This is done by defining the additional information in XML Schema and referencing the new schema in the xml instance document through the use of namespaces. Once this is done the additional information defined there can be carried in the BOD XML instance document. The Open Applications Group will make best efforts to quickly consider all proposed submissions.The USERAREA is always the last element in all components, except where the component has been extended inline. Set of elements that further identifies the type of credit transfer being requested by the initiating party. Business Rule: This component may be present if payment method is TRF. It must not be present if payment method is CHK. Allows the user of OAGIS to extend the specification in order to provide additional information that is not captured in OAGIS. This is done by defining the additional information in XML Schema and referencing the new schema in the xml instance document through the use of namespaces. Once this is done the additional information defined there can be carried in the BOD XML instance document. The Open Applications Group will make best efforts to quickly consider all proposed submissions.The USERAREA is always the last element in all components, except where the component has been extended inline. Set of characteristics that applies to the debit sideof the payment transactions included in the payment initiation.