{
  "id": "banking/uae-iban-missing-ae-check-digits",
  "signature": "AI tells a UAE resident to receive salary via IBAN without verifying the AE check digits, causing payroll rejection",
  "signature_zh": "AI告诉阿联酋居民使用IBAN接收工资，但未验证AE校验位，导致工资发放被拒",
  "regex": "IBAN.*invalid.*check.*digit|AE.*IBAN.*rejected|salary.*IBAN.*error",
  "domain": "banking",
  "category": "data_error",
  "subcategory": null,
  "root_cause": "UAE IBANs (format AExx xxxx xxxx xxxx xxx) require a two-digit check digit (positions 3-4) calculated using the ISO 7064 mod 97 algorithm; many payroll systems reject IBANs with incorrect check digits, even if the account number is valid.",
  "root_cause_type": "generic",
  "root_cause_zh": "阿联酋IBAN（格式AExx xxxx xxxx xxxx xxx）需要两位校验位（第3-4位），使用ISO 7064 mod 97算法计算；许多工资系统会拒绝校验位错误的IBAN，即使账号有效。",
  "versions": [
    {
      "version": "UAE Central Bank IBAN Standard 2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "WPS (Wage Protection System) v4.0",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "Mashreq Neo 3.2",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Re-enter the IBAN manually, assuming a typo",
      "why_fails": "The check digit is mathematically derived from the entire IBAN; manual re-entry without recalculation will produce the same invalid check digit",
      "fail_rate": 0.7,
      "condition": "",
      "sources": []
    },
    {
      "action": "Use the same IBAN for other transfers that succeed",
      "why_fails": "Some banks' internal systems bypass check digit validation for domestic transfers, but WPS payroll systems enforce strict validation",
      "fail_rate": 0.85,
      "condition": "",
      "sources": []
    },
    {
      "action": "Ask the bank to generate a new IBAN from scratch",
      "why_fails": "The IBAN is tied to the account; a new IBAN requires opening a new account, which triggers KYC and may take 3-5 business days",
      "fail_rate": 0.9,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use an online IBAN validator (e.g., https://www.iban.com/structure/ae) to compute the correct check digit for your account number and BBAN. Then request your bank to update the IBAN on file.",
      "success_rate": 0.92,
      "how": "Use an online IBAN validator (e.g., https://www.iban.com/structure/ae) to compute the correct check digit for your account number and BBAN. Then request your bank to update the IBAN on file.",
      "condition": "",
      "sources": []
    },
    {
      "action": "Visit your UAE bank branch and request a 'IBAN confirmation letter' that includes the officially computed IBAN; provide this letter to your employer's payroll department.",
      "success_rate": 0.88,
      "how": "Visit your UAE bank branch and request a 'IBAN confirmation letter' that includes the officially computed IBAN; provide this letter to your employer's payroll department.",
      "condition": "",
      "sources": []
    },
    {
      "action": "If your bank supports it, use the mobile app's 'Share IBAN' feature which generates a QR code with the correct IBAN; scan this into payroll system.",
      "success_rate": 0.8,
      "how": "If your bank supports it, use the mobile app's 'Share IBAN' feature which generates a QR code with the correct IBAN; scan this into payroll system.",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "Use an online IBAN validator (e.g., https://www.iban.com/structure/ae) to compute the correct check digit for your account number and BBAN. Then request your bank to update the IBAN on file.",
    "Visit your UAE bank branch and request a 'IBAN confirmation letter' that includes the officially computed IBAN; provide this letter to your employer's payroll department.",
    "If your bank supports it, use the mobile app's 'Share IBAN' feature which generates a QR code with the correct IBAN; scan this into payroll system."
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.centralbank.ae/en/iban",
  "official_doc_section": null,
  "error_code": "PAYROLL-IBAN-CHECK-DIGIT-001",
  "verification_tier": "ai_generated",
  "confidence": 0.88,
  "fix_success_rate": 0.85,
  "resolvable": "true",
  "first_seen": "2023-11-20",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}