If the sender BIC is of 11 digits, system tries to do an exact match in the debit authority maintenance for Sender BIC. If no match is found, then the availability of 8 digit BIC with XXX in the end or 8 digit BIC is checked. If a match is found, amount validation is done to check whether it is below the limit maintained.

If debit authority is not found for a Sender BIC or if the amount is above the allowed limit, system moves the Inbound message to a cover match queue automatically.

On receiving a cover match and on subsequent processing from cover match queue, system derives the debit account from the account field of field 58 of the cover message. If account is not mentioned for field 58, then the primary account of the sender of the cover is considered as the debit account.