ISO/DIS 24366

Financial services – Natural Person Identifier (NPI)

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DRAFT INTERNATIONAL STANDARD
ISO/DIS 24366
ISO/TC 68/SC 8 Secretariat: SNV
Voting begins on: Voting terminates on:
2021-03-10 2021-06-02
Financial services – Natural Person Identifier (NPI)
ICS: 03.060
THIS DOCUMENT IS A DRAFT CIRCULATED
FOR COMMENT AND APPROVAL. IT IS
THEREFORE SUBJECT TO CHANGE AND MAY
NOT BE REFERRED TO AS AN INTERNATIONAL
STANDARD UNTIL PUBLISHED AS SUCH.
IN ADDITION TO THEIR EVALUATION AS
BEING ACCEPTABLE FOR INDUSTRIAL,
This document is circulated as received from the committee secretariat.
TECHNOLOGICAL, COMMERCIAL AND
USER PURPOSES, DRAFT INTERNATIONAL
STANDARDS MAY ON OCCASION HAVE TO
BE CONSIDERED IN THE LIGHT OF THEIR
POTENTIAL TO BECOME STANDARDS TO
WHICH REFERENCE MAY BE MADE IN
Reference number
NATIONAL REGULATIONS.
ISO/DIS 24366:2021(E)
RECIPIENTS OF THIS DRAFT ARE INVITED
TO SUBMIT, WITH THEIR COMMENTS,
NOTIFICATION OF ANY RELEVANT PATENT
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PROVIDE SUPPORTING DOCUMENTATION. ISO 2021
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ISO/DIS 24366:2021(E)
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© ISO 2021

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ii © ISO 2021 – All rights reserved
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ISO/DIS 24366:2021(E)
Contents Page

Foreword ........................................................................................................................................................................................................................................iv

Introduction ..................................................................................................................................................................................................................................v

1 Scope ................................................................................................................................................................................................................................. 1

2 Normative references ...................................................................................................................................................................................... 1

3 Terms and definitions ..................................................................................................................................................................................... 1

4 Structure of the Natural Person Identifier ................................................................................................................................ 1

5 Check digits ................................................................................................................................................................................................................ 2

5.1 General ........................................................................................................................................................................................................... 2

5.2 Calculating the check digits ......... ................................................................................................................................................. 2

6 Natural Person Identifier Data Record .......................................................................................................................................... 3

Annex A (informative) NPI check digit validation example .......................................................................................................... 6

Annex B (informative) Conceptual diagrammatic expression ................................................................................................... 8

Annex C (informative) Type of a name .............................................................................................................................................................11

Bibliography .............................................................................................................................................................................................................................12

© ISO 2021 – All rights reserved iii
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ISO/DIS 24366:2021(E)
Foreword

ISO (the International Organization for Standardization) is a worldwide federation of national standards

bodies (ISO member bodies). The work of preparing International Standards is normally carried out

through ISO technical committees. Each member body interested in a subject for which a technical

committee has been established has the right to be represented on that committee. International

organizations, governmental and non-governmental, in liaison with ISO, also take part in the work.

ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of

electrotechnical standardization.

The procedures used to develop this document and those intended for its further maintenance are

described in the ISO/IEC Directives, Part 1. In particular, the different approval criteria needed for the

different types of ISO documents should be noted. This document was drafted in accordance with the

editorial rules of the ISO/IEC Directives, Part 2 (see www .iso .org/ directives).

Attention is drawn to the possibility that some of the elements of this document may be the subject of

patent rights. ISO shall not be held responsible for identifying any or all such patent rights. Details of

any patent rights identified during the development of the document will be in the Introduction and/or

on the ISO list of patent declarations received (see www .iso .org/ patents).

Any trade name used in this document is information given for the convenience of users and does not

constitute an endorsement.

For an explanation of the voluntary nature of standards, the meaning of ISO specific terms and

expressions related to conformity assessment, as well as information about ISO's adherence to the

World Trade Organization (WTO) principles in the Technical Barriers to Trade (TBT), see www .iso .org/

is o/ f or ewor d . ht m l .

This document was prepared by Technical Committee ISO/TC 68, Financial Services, Subcommittee SC

8, Reference Data for Financial Services.

Any feedback or questions on this document should be directed to the user’s national standards body. A

complete listing of these bodies can be found at www .iso .org/ members .html.
iv © ISO 2021 – All rights reserved
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ISO/DIS 24366:2021(E)
Introduction

Identification of natural persons for the purposes of provision of financial services has

specific applications for protecting the personal data of Financial Services firms employees by allowing

firms to respond to the requirements of regulation without exposing personal information, and to allow

regulators a privacy-protected way to identify beneficial owners, amongst other use cases.

Benefits include straight through processing savings, ability to monitor systemic risk

across jurisdictions and, more importantly, creating the ability to protect citizens personal information

during the provision of services and responding to regulatory requirements.

This document fulfils the needs of the global financial services industry and the regulatory community

for natural person identification. Its key provisions are that it:

• enables unique identification globally of natural persons requiring an identifier (NPI);

• defines an NPI code that contains no embedded intelligence;

• defines an NPI code that is interoperable with other standards and existing reference data and can

be applied globally to support the financial services industry;

• leverages the expertise of ISO/TC 68 in defining and maintaining identifier standards;

• defines an NPI scheme that is reliable and an NPI code that is persistent;

• defines an NPI scheme that is extensible and free from limitation on use and redistribution.

Already existing national natural person identifiers may not be applicable in cross-border transactions.

The national person identifier defined in this document intends to close this gap allowing a co-existence

of national identifiers and the international natural person identifier.
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DRAFT INTERNATIONAL STANDARD ISO/DIS 24366:2021(E)
Financial services – Natural Person Identifier (NPI)
1 Scope

This document specifies a machine-readable, unambiguous natural person identifier (NPI) and the

relevant reference data to uniquely identify the natural persons relevant to any financial transaction in

a privacy-protected way by utilizing the identifier rather than the personally identifying information.

2 Normative references

The following documents are referred to in the text in such a way that some or all of their content

constitutes requirements of this document. For dated references, only the edition cited applies. For

undated references, the latest edition of the referenced document (including any amendments) applies.

ISO 17442, Financial services — Legal Entity Identifier (LEI)

ISO/IEC 7064, Information technology — Security techniques — Check character systems

ISO 3166 (all parts), Codes for the representation of names of countries and their subdivisions

ISO 8601 (all parts), Date and time — Representations for information interchange

3 Terms and definitions
No terms and definitions are listed in this document.

ISO and IEC maintain terminological databases for use in standardization at the following addresses:

— ISO Online browsing platform: available at https:// www .iso .org/ obp
— IEC Electropedia: available at http:// www .electropedia .org/
4 Structure of the Natural Person Identifier
This document uses the following conventions for data element representations.
a) Character representations:
— n: digits (numeric characters 0 to 9 only);
— c: upper case alphanumeric characters (A–Z and 0–9 only).
b) Length indications:
— nn!: fixed length;
— nn: maximum length.
The format of the Natural Person Identifier shall be
— 13!c2!n.
The Natural Person Identifier consists of 15 characters decomposed as follows:
— characters (13!c) without separators or “special” characters;
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ISO/DIS 24366:2021(E)

— the 14th and 15th characters (2!n) shall be the check digit pair, as calculated based on the procedure

defined in this document.
5 Check digits
5.1 General

The check digits shall be calculated based on the simplified procedure defined in ISO/IEC 7064

(MOD 97-10) after the conversion of the (leftmost) 13 alphanumeric characters into a character string

consisting only of digits. The check digits are used to verify the NPI.

Valid check digit pairs are in the range of [02 .. 98]. 00, 01, and 99 are not valid NPI check digit pairs.

If the check digits have been calculated correctly, when the entire 15-character NPI is converted to

numbers following the process described in step 1 under Clause 5.2 and divided by 97 as described in

step 3 of that clause, the remainder shall be “1”.
5.2 Calculating the check digits

Step 1: Any letters in the 13-character string shall be converted to digit pairs in accordance with

ISO/IEC 7064 (MOD 97-10).
A = 10 F = 15 K = 20 P = 25 U = 30
B = 11 G = 16 L = 21 Q = 26 V = 31
C = 12 H = 17 M = 22 R = 27 W = 32
D = 13 I = 18 N = 23 S = 28 X = 33
E = 14 J = 19 O = 24 T = 29 Y = 34
Z = 35

Step 2: Two zeros shall be appended to the resulting string at the rightmost positions.

Step 3: A Euclidian division of the resulting number by 97 shall be performed to determine the

remainder.

Step 4: The remainder shall be subtracted from 98 to determine the check digit pair.

Step 5: The check digit pair shall be appended to the original 13-character string to arrive at the NPI.`

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ISO/DIS 24366:2021(E)
6 Natural Person Identifier Data Record

The Natural Person Identifier data record shall be composed of the following data attributes:

Reference Data Description Mandatory/ Cardinal- Discussion/Commentary
Element Mandatory ity
with Excep-
tion/
Optional/
Conditional
Legal Name – The surname shall be as M 1..1 Where only one name is held by the
Surname/ Fam- validated by a valid certif- Natural Person, that name should

ily/ Last Name/ icate (e.g. birth certificate, be recorded in this field as is usual

Sole Name passport). policy for jurisdictions where this
convention currently applies.
Where more than one legal name is
held by the Natural Person, those
names will be captured in the Alter-
nate Name element.
This field must accommodate alter-
nate alphabets and transliteration.
Legal Name –
...