Developer Programs
Vendor Integration Program (VIP)
Direct access to Jack Henry's technical integration resources.
Technical Account Manager (TAM)
Get technical integration help from a single point of contact.
Learn
Shared Responsibility
Learn about shared roles and responsibilities of customers and Jack Henry in open banking.
Developer Use Cases
Find a use case that fits your development needs.
Developer Video Gallery
Watch the latest demos, webinars, and more.
Developer Conference
Connect with industry leaders, gain insights from expert speakers, and explore our latest innovations.
Docs
Admin API
Create solutions for an institution's back office support tools.
Authentication Framework
Map customer identities to your existing system IDs.
Consumer API
Access financial data for user accounts, transactions, and more.
Data Broker
Get deeper access to financial institution data.
Enterprise Event System
Respond to events in real-time using this powerful pub/sub-based solution.
jXchange - REST API
Translate business information between Jack Henry and third-party applications using a REST-based API.
jXchange - SOAP API
Translate business information between Jack Henry and third-party applications using a SOAP-based API.
Operational Data Integration (ODI)
Get customized queries for bulk data needs.
Payments
Embed check deposits, ACH, bill pay, cards, and real-time payments.
Plugin Framework
Embed the best of the fintech world directly into your user's dashboard.
SymXchange
Query Symitar core member accounts, post transactions, run PowerOn scripts, and more.
Xperience
Modern UI that provides consistent visual integration across Jack Henry products.
Important notification about upcoming changes to the DMZ environment. Please read.
More info

Line of Credit Account Inquiry

Enterprise SOAP API > API by Reference > Core Services > Line of Credit Account Inquiry

LOC Account Inquiry

The LOC Account Inquiry is used to define specific attributes of a loan connected with a specified line of credit.

Message Flow

In jXchange, the LOC Account Inquiry service uses a typical exchange of MType messages to define specific attributes of a loan connected with a specified line of credit.

Primary Request

The third-party consumer forwards the LOCAcctInqRq_MType message to the service provider. The message contains the account ID for the specified account associated with the line of credit. That ID can be obtained from the results of the LOCAcctSrch response.

The message contains the following simple element:

  • ActIntent

The message contains the following complex elements:

  • AccountId_CType
  • Custom_CType
  • MsgRqHdr_CType

Primary Response

The service provider returns the LOCAcctInqRs_MType message to the third-party consumer. The message contains the pertinent account information for the specified account contained in the LOCAcctInqRec_CType. The account ID contained in the primary request is also contained in the response for verification.

The message contains the following simple elements:

  • ActIntent
  • ActIntentKey

The message contains the following complex elements:

  • AccountId_CType
  • Custom_CType
  • LOCAcctInqRec_CType
  • MsgRsHdr_CType

LOC Account Inquiry Behavior

The ActIntent element exists on all inquiry operations that support a modification mate. For example, the Account Inquiry operation's modification mate is the Account Modification operation.

The ActIntent element allows the consumer to convey to the service provider their intention for the data returned in the response. The ActIntent element supports three canonical values:

  • ReadOnly - Read-only
  • Upd - Update
  • Dlt - Delete

The ReadOnly (read-only) canonical value is the default.

The service provider echoes the ActIntent element in the response. The service provider returns an ActIntentKey element when the consumer submits the ActIntent element canonical values of Upd or Dlt. The consumer should cache the ActIntentKey so it can be submitted in a subsequent modification request.

LOCAcctInqRq_MType

LOCAcctInqRq_MType is a message MType element.

Contains:

  • AccountId_CType
  • Custom_CType
  • MsgRqHdr_CType

Simple Elements

The following simple elements are contained within this message.

ActIntent
Conveys the consumer intention for a subsequent operation for the data set included in the response. Canonical values are:
  • Dlt
  • ReadOnly
  • Upd

The default value is ReadOnly.

AccountId_CType

AccountId_CType is a complex CType element. This element contains the incoming account identification information and any restrictions.

Simple Elements

The following simple elements are contained within this complex.

AcctId
The number or character that identifies an account record.
AcctType
The number or character that categorizes the AcctId.
Rstr
The level of restrictions that can exist at a parent and/or child node. Canonical values are:
  • Hid
  • NoAccess
  • NoAccessPart
  • ReadOnly
  • ReadOnlyPart
  • ReadWrite
  • ReadWritePart

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

MsgRqHdr_CType

MsgRqHdr_CType is a complex CType element. This is the default message request header.

Contains:

  • AuthenUsrCred_CType
  • jXchangeHdr_CType

Simple Elements

The following simple elements are contained within this complex.

AuthenProdCred
Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

AuthenUsrCred_CType

AuthenUsrCred_CType is a complex CType element. This element represents authentication of the end-user credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

Simple Elements

The following simple elements are contained within this complex.

Security
Defines the wsse:Security SOAP header element per section 4.

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

LOCAcctInqRs_MType

LOCAcctInqRs_MType is a message MType element.

Contains:

  • AccountId_CType
  • Custom_CType
  • LOCAcctInqRec_CType
  • MsgRsHdr_CType

Simple Elements

The following simple elements are contained within this message.

ActIntent
Conveys the consumer intention for a subsequent operation for the data set included in the response. Canonical values are:
  • Dlt
  • ReadOnly
  • Upd

The default value is ReadOnly.

ActIntentKey
The service provider key that is delivered to the consumer to be submitted in a subsequent modification operation.

AccountId_CType

AccountId_CType is a complex CType element. This element contains the incoming account identification information and any restrictions.

Simple Elements

The following simple elements are contained within this complex.

AcctId
The number or character that identifies an account record.
AcctType
The number or character that categorizes the AcctId.
Rstr
The level of restrictions that can exist at a parent and/or child node. Canonical values are:
  • Hid
  • NoAccess
  • NoAccessPart
  • ReadOnly
  • ReadOnlyPart
  • ReadWrite
  • ReadWritePart

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

LOCAcctInqRec_CType

LOCAcctInqRec_CType is a complex CType element.

Contains:

  • Custom_CType
  • LOCHistArray_AType
  • LOCRec_CType

Simple Elements

The following simple elements are contained within this complex.

ConstBdgType
Does the LOC have construction budget detail? Canonical values are:
  • True
  • False
LOCBrDesc
A description of the branch name. It includes the Rstr attribute.
LOCCallRptDesc
The call report code description.
LOCClsDesc
The description of the code that designates the reason the line of credit was closed.
LOCCollatDesc
The collateral code description.
LOCDesc
The description of the code that defines the type of line of credit.
LOCGdnceAvlBal
The guidance line of credit available balance amount.
LOCGdnceBal
The guidance line of credit balance amount.
LOCGdnceOrder
The guidance line of credit assigned order.
LOCMasterAcctId
The master credit line account ID for a multi-level credit line.
LOCOffDesc
The officer short name.
LOCPrincRedAmt
The amount of a Line of Credits Principal Reduction/Paydown available.
LOCPrtcpDesc
The description of the code that defines the line of credits participation activity.
LOCRiskDesc
The description of the code that defines the risk associated with this line of credit for accurate regulatory reporting schedules.
LOCStatDesc
The description of the status of the line of credit.
LOCStmtFreqDesc
The description of the statement frequency code.

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

LOCHistArray_AType

LOCHistArray_ATYpe is an array AType element. This is an array of credit line history items.

Contains:

  • LOCHistInfo_CType
LOCHistInfo_CType

LOCHistInfo_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

LOCAvgHist
The history of the average balance of the credit line (could be quarterly, monthly, annual, etc.).
LOCHighHist
The history of the high balance of the credit line (could be quarterly, monthly, annual, etc.).
LOCHistText
The text that represents the period of the LOC history elements.
LOCLowHist
The history of the low balance of the credit line (could be quarterly, monthly, annual, etc.).

LOCRec_CType

LOCRec_CType is a complex CType element.

Contains:

  • ConstInProcArray_AType
  • LOCFeeArray references LnFeeArray_AType
  • LOCQtrAmtInfoArray_AType
  • UserDefInfoArray_AType
Simple Elements

The following simple elements are contained within this complex.

LOCAmt
The amount of the credit line.
LOCAvgLTD
The average balance of the credit line over the life of the line.
LOCAvg
The credit line average usage.
LOCAvlBal
The outstanding available balance of the line of credit.
LOCAvlCalcType
Defines the availability calculation method for credit lines. The canonical values are:
  • LOCAmt - Credit Line Amount
  • LOCCurBal - Loan Balance
LOCBankNetTot
The lead account credit line value amount.
LOCBrCode
The branch code.
LOCCallRptCode
The call report code.
LOCClsCode
The code that designates the reason the line of credit was closed.
LOCCode
The code that defines the type of line of credit.
LOCCollatCode
The collateral code. This code is bank-defined and is used to define the type of collateral used to secure the loan.
LOCCommBal
The outstanding committed funds of the line of credit.
LOCCurBal
The outstanding balance of the line of credit.
LOCDDAProtAmt
The threshold balance of the deposit account before the line of credit creates any advance.
LOCExpDt
The line of credit expiration date.
LOCFeeAcctId
The account identification that is charged for fees from line of credit services.
LOCFeeAcctType
The account type that is charged for fees from line of credit services.
LOCFrzAmt
The amount of the credit line that should be frozen, disallowing advances.
LOCGdnceBorwAck
Answers the question: Has the line of credit borrower acknowledge the guidance? Canonical values are:
  • false
  • true

The default value is false.

LOCGdnceRedType
Answers the question: What balance is used for the reduction to the line of credit level balance? Canonical values are:
  • AvlBal
  • LOCAmt

The default value is LOCAmt.

LOCGdnceType
Answers the question: Does the line of credit subject to guidance? Canonical values are:
  • false
  • true

The default value is false.

LOCHighAmtDt
The date the high credit line balance was obtained.
LOCHighAmtLTD
The high balance of the credit line over the life of the line.
LOCHighAmt
The credit line high usage.
LOCInfo
Any information pertinent to the line of credit.
LOCLastMainDt
The last maintenance date.
LOCLastRedDt
The last line of credit reduction date.
LOCLastStmtDt
The last statement date.
LOCLowAmtDt
The date the low credit line balance was obtained.
LOCLowAmtLTD
The low balance of the credit line over the life of the line.
LOCLowAmt
The line of credit low usage.
LOCMainLOCId
The sub line of credit main credit line account.
LOCNxtRedDt
The next schedule line of credit reduction date.
LOCOffCode
The code that designates the financial institution officer.
LOCOrigAmt
The original amount of the credit line.
LOCOrigTerm
The original integer value of the term of the credit line.
LOCOrigTermUnit
The original credit line term. Canonical values are:
  • Days
  • Months
  • SemiMonthly
  • Years
LOCPrtCnsldtStmt
Should a consolidated statement be printed?
LOCPrtcpCode
The code that defines the line of credits participation activity.
LOCRedPct
The percentage amount that a line of credit should be reduced.
LOCRedRvwFreq
The frequency the line of credit is reviewed for reduction activity.
LOCRedRvwFreqUnits
The units of frequency for the line of credit review frequency. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years
LOCRegAvlBal
The available balance of the line of credit for regulatory reporting.
LOCRiskCode
The code that defines the risk associated with this line of credit for accurate regulatory reporting schedules.
LOCSchedRedAmt
The scheduled amount for a line of credit reduction.
LOCSemiDay1
The day of month for first semi-monthly payment.
LOCSemiDay2
The day of month for second semi-monthly payment.
LOCStat
The status of the line of credit.
LOCStmtDay
The statement day.
LOCStmtFreqCode
The statement frequency code.
LOCStmtFreq
The statement frequency.
LOCTaxRefId
The credit line tax reference number. Tax reference number for credit line. For informational purposes.
LOCTotAdvaAmt
The credit line total advances.
LtrOfCrLmt
The line of credit limit.
MaxTrancheCrtCnt
The total count of records.
LOCFeeArray

LnFeeArray_AType is an array AType element.

LOCFeeArray references LnFeeArray_AType.

Contains:

  • LnFeeInfoRec_CType
LnFeeInfoRec_CType

LnFeeInfoRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

LnFeeAmt
The amount of specific loan fees collected.
LnFeeAssmntDt
The date the loan fee assessment should occur.
LnFeeChgCode
The code that describes the behavior for charging a fee. Canonical values are:
  • Chg
  • NA
  • Wav
LnFeeCode
The code that describes the details of charging a loan fee.
LnFeeDayOfMonth
The day of month for loan fee assessment. This day is only required if the loan fee assessment date is the 29th of the month.
LnFeeFreq
The frequency of the loan fee assessment.
LnFeeFreqUnits
The units of frequency for the loan fee assessment. Canonical values are:
  • Days
  • Indefinite
  • Months
  • NA
  • SemiMonthly
  • Years
LnFeeText
The text that describes the loan fee element that precedes it in the LnFeeArray.
ConstInProcArray_AType

ConstInProcArray_AType is an array AType element. This is an array of the distribution line items for a construction loan.

Contains:

  • ConstInProcRec_CType
ConstInProcRec_CType

ConstInProcRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

BdgCode
A code that designates the type of budget line item.
BdgDesc
The description of the code that designates the type of budget line item.
BdgDisbAmt
The amount of disbursed funds for a budget item.
BdgRtnAmt
The amount that should be retained for a budget line item.
BdgRtnPct
The percentage that should be retained for a budget line item.
CurBdgAmt
The current budget amount allocated to a budget line item.
DisbCmpltPct
The percentage of completion for a specific distribution amount for a budget line item.
DisbDftBdgAmt
The default budget amount based on the budget line item.
InspLastDt
The last property inspection date.
OrigBdgAmt
The original budget amount before any budget adjustments.
LOCQtrAmtInfoArray_AType

LOCQtrAmtInfoArray_AType is an array AType element. This is an array of calendar quarter amounts as related to line of credit accounts.

Contains:

  • LOCQtrAmtInfoRec_CType
LOCQtrAmtInfoRec_CType

LOCQtrAmtInfoRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

QtrAdvaAmt
The quarterly advance amount.
QtrAvgBalAmt
The quarterly average balance amount.
QtrBegDt
The beginning date that equates to the start of the quarter.
QtrEndDt
The ending date that equates to the start of the quarter.
UserDefInfoArray_AType

UserDefInfoArray_AType is an array AType element. This is an array of UserDefInfo simple elements used to describe user-defined information.

Contains:

  • UserDefInfo_CType
UserDefInfo_CType

UserDefInfo_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

OvrrdInstRtId
Describes the institution routing number or bank number/location used to override the InstRtId found in a message header.
UserDefCode
The code that represents the answer to the UserDefTxt.
UserDefDesc
The description of what the UserDefCode represents.
UserDefDt
A date field that has a relationship with the UserDefTxt or UserDefCode.
UserDefInfo1
Additional information that may accompany any of the user supplied codes.
UserDefInfo2
Additional information that may accompany any of the user supplied codes.
UserDefInfo3
Additional information that may accompany any of the user supplied codes.
UserDefTxt
User Defined Text is part of a matched pair array that describes the proceeding elements.

MsgRsHdr_CType

MsgRsHdr_CType is a complex CType element. This is the default message response header.

Contains:

  • jXchangeHdr_CType
  • MsgRecInfoArray_AType

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

MsgRecInfoArray_AType

MsgRecInfoArray_AType is an array AType element. This is an array of messages that can be returned in a response.

Contains:

  • MsgRec_CType
MsgRec_CType

MsgRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

ErrCat
The Soap Header Fault error category.
ErrCode
The error code.
ErrDesc
The Soap Header Fault error description.
ErrElem
The Soap Header Fault when an error or fault occurs. This optional element contains the element which is causing the error condition.
ErrElemVal
The Soap Header Fault when an error or fault occurs. This optional element contains the value of the element which is causing the error condition.
ErrLoc
The Soap Header Fault error location. This is typically the program that generated the error condition.
Have a Question?
Have a how-to question? Seeing a weird error? Get help on StackOverflow.
Register for the Digital Toolkit Meetup where we answer technical Q&A from the audience.
Last updated Mon Jan 24 2022