public static Message createPaymentRequest(Message inquiryResponse) {
        DateTime sekarang = new DateTime();
        Message paymentRequest = inquiryResponse.createCopy();

        paymentRequest.setMti(TransactionCode.PAYMENT_REQUEST);
        paymentRequest.getDataElementContent().remove(39);
        paymentRequest.getDataElementContent().put(12, formatYYYYMMDDhhmmss.print(sekarang));
        StringBuilder bit48 = new StringBuilder();
        String privateData1 = inquiryResponse.getDataElementContent().get(48).substring(0,56);
        String privateData2 = inquiryResponse.getDataElementContent().get(48).substring(56,inquiryResponse.getDataElementContent().get(48).length());
        bit48.append(privateData1);
        bit48.append(inquiryResponse.getDataElementContent().get(48).substring(55,56));
        bit48.append(privateData2);
        paymentRequest.getDataElementContent().put(48, bit48.toString());
        LOGGER.debug("BIT 62 sebelum calculate bit map : {}",paymentRequest.getDataElementContent().get(62));

        paymentRequest.calculateBitmap();
        LOGGER.debug("BIT 62 sesudah calculate bit map : {}",paymentRequest.getDataElementContent().get(62));
        return paymentRequest;
    }