Systems and methods are disclosed that facilitate transforming business and encoding rules defined in a persistent and relational format into XML schemas that provide a message format and validation logic for the message. A message can be received in delimited flat-file format and parsed to facilitate generating a value-added XML schema that represents both encoding rules and business rules associated with the message. The systems and methodologies detailed herein can be employed, for example, in applications utilized in a healthcare provider space and can be consistent with Health Level 7 standards to improve message validation and/or processing.