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BASE24-eps Transaction
Processing
BASE24-eps
Saikat
4/17/2014
Contents
Preface........................................................................................................................8
BASE24-eps Transaction
Processing..........................................................................12
BASE24-eps Transaction
Originators.....................................................................13
BASE24-eps Transaction
Authorizers.....................................................................14
Issuers and Acquirers.............................................................................................15
Hosts......................................................................................................................16
Authorization Environments....................................................................................17
Transactions and Transaction Messages................................................................19
Card-based Processors..........................................................................................20
Prefixes.........................................................................................................................
..22
What is a Prefix?....................................................................................................23
Local (On-Us) and Non-Local (Not-on-Us) Prefixes...............................................24
BASE24-eps Prefix Processing..............................................................................25
Setting Up On-Us Prefixes.....................................................................................26
Setting Up Not-On-Us Prefixes...............................................................................27
Payment Instruments, Cards, and
Accounts..............................................................28
Payment Instruments..............................................................................................29
Instrument Types...........................................................................................29
Cards......................................................................................................................30
Configuring Cards.........................................................................................30
How Cards are Identified in BASE24-eps......................................................30
Card Information Maintained by BASE24-eps...............................................31
Primary and Secondary Cards......................................................................35
Refreshing Card Information.........................................................................36
Administrative Cards..............................................................................................37
Setting Up Administrative Cards for Use with Point-of Sale Terminals..........38
Setting Up Administrative Cards for Use with ATMs......................................39
Accounts.................................................................................................................40
Associating Account with Cards....................................................................40
Identifying Accounts to BASE24-eps.............................................................41
Account Information Maintained by BASE24-eps in the Card Data Source...42
Account Information Maintained by BASE24-eps in the Positive Balance Data
Source.44
Refreshing Account Information....................................................................45
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Contents
Account Balance Information.........................................................................46
Deriving Current Account Balances Using the Account Balance Information.47
Preface
Audience
This user guide is intended for readers seeking an understanding of BASE24-eps
transaction
processing and more specifically for those BASE24-eps business users who
handle the
configuration of transaction processing business data through the ACI Desktop
(e.g., setting
Prerequisites
This user guide assumes a familarity with the ACI desktop user interface.
Windows and
tabs are referenced by name throughout the manual, and menu paths are
provided for
accessing windows through the ACI desktop; however, screen shots, information
about
the ACI desktop, and procedures for basic window functions (e.g., adding,
deleting, updating
and viewing records) are generally left to the BASE24-eps online help and these
manuals:
The ACI DesktopUser Interface Manual describes how to use the ACI desktop
user
interface.
The BASE24-eps Windows Reference User Guide describes each of the BASE24eps
windows and tabs available through the ACI desktop user interface. Screen shots
of
each window and tab are provided along with information for each field on the
window
or tab.
Additionally, much of setting up BASE24-eps transaction processing involves
writing and
configuring your own authorization scripts for processing transactions.This
manual touches
on different areas where scripts fit into transaction processing, but it does not
describe
how scripts are designed or written. Because authorization scripts control a
significant
amount of processing, an understanding of the scripts you plan to use is
recommended.
Additional Documentation
The following manuals contain supplemental information related to transaction
processing:
The BASE24-eps Transaction Security Manual describes how to configure and
implement
BASE24-eps transaction security, including PIN encryption, PIN verification,
message
authentication, message data encryption, card verification, dynamic card
verification,
EMV card authentication, secure Internet validation, and dynamic key
management.
The manual also describes how hardware security modules are integrated into
BASE24-eps processing and the duties they can assume as a part of that
processing.
The BASE24-eps Multiple Currency Manual describes the processing and
configuration
Software
This user guide documents standard processing for the current BASE24-eps version
as
of its publication date. Software that is not current and custom software modifications
(CSMs) may result in processing that differs from the material presented in this
manual.
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Preface
Manual Summary
The following is a summary of the contents of this user guide:
BASE24-eps Transaction Processing on page 12 - provides a set of introductory
topics defining basic terms and concepts related to transaction processing.
Prefixes on page 22 - Defines and describes prefixes and how they are used in
BASE24-eps transaction processing.
Payment Instruments, Cards, and Accounts on page 28 - Defines payment
instruments, cards, and accounts and describes how they are supported by
BASE24-eps.
Information is included about how account activity and account balances are
handled.
Transactions Allowed on page 52 - Defines Transactions allowed, which is a
basic
transaction screening function that BASE24-eps provides as a part of routing and
authorization, and describes how to configure it for acquirers and issuer endpoints.
Transaction Routing on page 60 - Describes transaction routing and how it is
configured within BASE24-eps.
File Update Routing on page 103 - Describes file update routing and how it is
configured
within BASE24-eps. File update routing is a specialized form of routing--carried out
by
the File Update Router component--that enables the routing of file updates and file
update transactions in the BASE24-eps system.
Authorization, Prescreening, and Impacting on page 113 - Describes the basics
of
authorization, prescreening, and impacting, all of which are carried out by scripts.
Basic
information is provided about how scripts are used and identified for processing.
Information is also provided about sequential routing, which is a script-based form of
routing, and about default authorization.
BASE24-eps Transaction Limits and Usages on page 141 - Describes
transaction
limits and usages and how they are supported by BASE24-eps. Information is
provided
about how limits are set and how usages are tracked.
Preauthorization Holds on page 161 - Describes preauthorization holds and how
they
are used within BASE24-eps. Information is included about preauthorization
transactions
and match and hold process*sing. The latter provides the capability to introduce
batch
records of settled transactions into the BASE24-eps system for the purpose of
removing
their corresponding holds.
Check Processing on page 183 - Describes how check processing is supported
by
BASE24-eps. Information is included about MICR data handling by BASE24-eps and
how preapproved and predeclined checks can be defined to BASE24-eps.
Publication Identification
Two entries appear at the bottom of each page to uniquely identify this BASE24-eps
publication: the publication date (for example, Sep-2009 for September 2009) and
the
publication number (for example, ES-CS000-29 for the BASE24-eps Transaction
Processing
User Guide).
Sep-2009, Release 1.0 Version 09.2 Publication Number: ES-CS000-29 | 11
Preface
BASE24-eps Transaction
Processing
BASE24-eps provides the means by which a transaction originator can request and
receive
authorization for an action on a customer card or account from a transaction
authorizer.
The role of BASE24-eps in transaction processing includes the following:
Routing transactions from the transaction originator to the appropriate authorizer.
Participating in or carrying out authorization on behalf of the institutions for which it
processes.
Journaling all transactions for later processing and settlement.
BASE24-eps can accept transactions from a variety of sources. Likewise, it can
involve a
number of different authorizers in its processing.
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BASE24-eps Transaction Processing
ATM Channels
Automated teller machines (ATMs) can be directly attached to BASE24-eps, in which
case
transactions are originated by customers or service personnel at the ATM.
Communications
between the ATM and BASE24-eps are controlled by ATM Channel Manager
components.
Hosts
Host computers can be set up to control ATM or POS device networks and forward
transactions to BASE24-eps. In this case, communications between these acquirer
hosts
and BASE24-eps are controlled by an ISO Host Interface component.
Interchanges
Interchanges can act as switches to forward transactions to BASE24-eps for
authorization.
In this case, communications between the interchange acquiring the transaction and
BASE24-eps are controlled by Interchange Interface components.
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BASE24-eps Transaction Processing
BASE24-eps
BASE24-eps can be set up to authorize transactions in those situations where
cardholder
files are maintained on the BASE24-eps system.
Hosts
Hosts can be set up to authorize transactions in situations where cardholder files are
maintained on the host computer. In this case, BASE24-eps can pre-screen the
transactions
before sending them to the host and can also be set up to stand in and authorize
transactions for a host in situations where communications between BASE24-eps
and the
host system are down.
Interchanges
Interchanges can be used to forward transactions to other networks for authorization.
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BASE24-eps Transaction Processing
Hosts
Authorization Environments
Authorization environments define the general level of participation BASE24-eps is
to have
in the authorization of transactions.You need to be aware of the level of participation
you
want BASE24-eps to have when planning your routing and authorization.
Online Authorization
In an Online Authorization environment, a host performs all authorization processing
(i.e.,
the host system is the authorizer). If BASE24-eps cannot communicate with the host
(i.e.,
is unable to send transactions for processing), it declines all transaction requests in
which
the host is the destination.
Though BASE24-eps is not the authorizer, it can be configured to prescreen
transactions
in an online authorization environment. In this case, if a transaction does not meet
the
prescreening requirements, the transaction is declined, and BASE24-eps sends a
deny
response to the originator and notifies the host. If the transaction does meet
prescreen
requirements, the transaction is then forwarded to the host for authorization.
Therefore, in this environment, authorization scripts would be limited to prescreening
functions.
Offline Authorization
In Offline Authorization environments, all authorization processing is performed by
BASE24-eps; authorization requests are not forwarded to the host. As a result,
scripts will
perform more extensive processing and data checking than those scripts used in an
online
authorization environment.
In offline authorization, BASE24-eps maintains account and payment-instrument
data and
transaction journal files. As a result, data file information must be exchanged and
updated
periodically between BASE24-eps and the host.
In this environment, your authorization scripts would need to handle all aspects of
transaction authorization.
Online/Offline Authorization
In a combined Online/Offline Authorization environment, BASE24-eps can be
configured
to prescreen transactions for a host as in the online authorization environment.
However,
in this environment, BASE24-eps also stands in for the host and authorizes
transactions
when communication with the host is down. The transactions BASE24-eps
authorizes are
stored in a store-and-forward (SAF) file for forwarding to the host when
communication is
restored.
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BASE24-eps Transaction Processing
Data file information is exchanged and updated periodically as in the offline
authorization
environment.
In this environment, your authorization scripts would typically be divided between
prescreening functions to be performed prior to sending a transaction to the host,
impacting
functions to update the BASE24-eps data base once a transaction is returned from
the
host, and authorization functions to be performed should the host be offline. The
latter
functions/scripts might impose tighter restrictions given that the host is unavailable.
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BASE24-eps Transaction Processing
action and the other either says yes or no or offers an alternative. In some cases,
there
may be additional messages. In some cases, one party may have taken an action
and
may simply be notifying the other party. In all cases, however, the messages used
are
based on a standard and are exchanged based on the protocols established by the
standard.
Each message carries pertinent transaction information and is built with unique
characteristics that allow transaction processors to identify the intended purpose of
the
message and the specific actions or services to be performed related to the
message.
From a BASE24-eps perspective, each transaction message can be thought of as a
discreet
request for some type of service related to a transaction.
BASE24-eps can receive messages from a variety of endpoints or channels to which
it is
connected. Endpoints can include ATM or POS devices, hosts, and interchanges.
BASE24-eps can also initiate messages as part of its processing. A transaction
message
can represent a request for an authorization or another type of action, a response
(and
possible authorization) to a previous request, or a notification that a particular action
has
taken place. In any case, the receipt of a message by BASE24-eps from a
connected
endpoint, or the creation of a specific transaction message by BASE24-eps, initiates
a
prescribed set of actions or servicesactions or services as defined by the BASE24eps
system owner.
of the respective endpoints and the internally normalized processing values by which
BASE24-eps recognizes and processes the transactions. Message translation is one
function of the various BASE24-eps channel interfaces on behalf of ATM/POS
devices,
hosts, or interchanges.
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BASE24-eps Transaction Processing
Card-based Processors
There are three broad categories into which BASE24-eps card-based processors
typically
fall: terminal acquirers, financial switches, and card issuers. Each has its own routing
and
authorization requirements. A single BASE24-eps institution could fall into a single
category
or any combination of the three.
Terminal Acquirers
Terminal acquirers are processors that use the BASE24-eps system to drive ATM or
POS
terminal networks. These processors typically maintain an extensive terminal
database
and route transactions through interfaces to external interchanges. Terminal
acquirers
typically have little or no stand-in authorization capabilities and maintain interfaces to
multiple interchanges.
Financial Switches
Processors who use the BASE24-eps system to route acquired transactions to card
issuers
act as a financial switch. These processors do not drive terminals and are mainly
concerned
with routing transactions acquired from an interchange to a card issuer. Financial
switches
can have substantial stand-in authorization capabilities.
Card Issuers
Card issuers are processors that use the BASE24-eps system to authorize
transactions.
These processors typically maintain a substantial card database and connect to a
host.
Card issuers may or may not drive terminals.Their main concern is authorizing
transactions
acquired from an interchange. Because the account of record is maintained on a
host, the
host is the primary authorization destination. However, card issuers typically have
substantial
stand-in authorization capabilities when the host link is unavailable.
Non-Card-Based Processors
Typically, cards or card numbers are used to initiate financial transactions, and in the
interest of clarity, this is the type of processing described throughout the BASE24eps
Prefixes
Much of BASE24-eps routing and authorization processing is controlled at the prefix
level,
meaning that processing can be set up differently for different prefixes. The topics
here
describe prefixes and how they are used in BASE24-eps processing.
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Prefixes
What is a Prefix?
A prefix is a numberthe first portion of a larger number, such as the primary
account
number (PAN) for a credit or debit card account. In BASE24-eps, prefixes are used
in
conjunction with the overall length of the PAN to identify the issuer of a card account.
In the following example, the indicated card number would be recognized as a match
on
the values defined for the prefix and length.
Card Number Prefix Length
5011 1234 1234 1234 5011 16 position
A card issuer can be assigned a single prefix or several. However, with the BASE24eps
system, each prefix must be unique to a card issuer. That is, no two card issuers can
be
assigned the same prefix.This uniqueness enables BASE24-eps to use the prefix to
identify
transactions that involve local issuers (institutions) defined to the system.
Also, because of their fundamental uniqueness within BASE24-eps, a significant
portion
of authorization processing is defined at the prefix level. That is, BASE24-eps
institutions
Non-Local (Not-on-Us)
Card issuers can be non-local to the BASE24-eps system, meaning their prefixes are
not
defined as on-us prefixes. Prefixes associated with these non-local card issuers,
called
not-on-us prefixes, must still be defined to BASE24-eps in order to be be recognized
and
processed.
Not-on-us prefixes are defined to BASE24-eps using the System Prefix Configuration
window (Configure > Prefix > Not-On-Us > System Prefix). The information from
this
window is used to populate the System Prefix data source (System_Prefix).
Transactions acquired by BASE24-eps on cards with these not-on-us prefixes are
referred
to as not-on-us transactions and are typically sent to an interchange for processing.
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Prefixes
When the Acquirer Interface component invokes the Prefix component to determine
the
transaction issuer, it first determines whether the issuer is a known (recognized)
issuer by
searching for a match on the prefix in the Prefix external memory table
(Prefix_OLTP).
If a match is found, the component invokes the Transaction component to add to the
transaction the Issuer Route Profile and Route Type TDEs, as well as several other
TDEs
not specifically used in routing and returns control to the Prefix component.
If the Prefix component does not find a match in the Prefix external memory table, it
attempts
to find one using the methods defined in the System Prefix external memory table
(System_Prefix_OLTP).These methods include searching Interchange Prefix data
sources,
testing the transaction prefix against an algorithm, or using a default value. The
Prefix
component uses the methods in the order in which they are defined in the System
Prefix
external memory table.
When the Prefix component finds a match on the transaction prefix, it invokes the
Transaction component to add to the transaction the Issuer Route Profile and Route
Type
TDEs and returns control to the Acquirer Interface component.
If a match is not found in either the Prefix or System Prefix external memory tables,
the
transaction is denied.
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Prefixes
Identifying a Prefix
The key used to identify a prefix is actually the prefix itself and length of the PAN in
which
the prefix can be found. Thus, when you define a prefix you are actually defining it in
combination with the PAN length.
Note: An institution must be defined to which an on-us prefix belongs.
Refer to Source Routing Profiles on page 88 for information about the Source
Routing
Profile.
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Prefixes
Payment Instruments
A payment instrument is a device by which consumers can initiate payment
transactions.
Cards are the typical payment instrument used in the payments industry, and in the
interest
of clarity, cards are the instrument type assumed throughout the BASE24-eps
product
documentation unless specifically noted to the contrary. Important to note, however,
BASE24-eps is adaptable to other types of instruments as well.
Instrument Types
Instrument type is a one- or two-character user-defined identifier (code) used
throughout
BASE24-eps to identify types of payment instruments. Each instrument defined to
the
system must have a corresponding instrument type associated with it.
In a card-based payment system, the instrument type represents the branding of the
card,
such as Visa Debit, Visa Credit, American Express, and MasterCard, among others.
Cards
Cardsthat is plastic debit or credit cardsare a type of payment instrument. They
serve
as evidence of one or more accounts and act as a mechanism for accessing the
accounts
using the many electronic funds transfer (EFT) channels available.
Configuring Cards
Cards are configured on the Card Management window (Customer Management >
Card)
or the Administrative Card Configuration windows (Configure > Administrative
Card).
Member Numbers
Customer ID
The customer ID of the Card record identifies the name of the customer or business
to
which the card was issued.
You can view or change the customer ID associated with a card on the General tab
of the
Card Management window.
Note: Depending on your environment, a multibyte version of the customer ID can
be
entered. If present, the multibyte value is carried in the Card Account Multibyte data
source.
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Payment Instruments, Cards, and Accounts
Depository Type
The depository type specifies the preferred type of deposit for the card used by the
customer: Standard or Commercial.
Your scripts can use this value to set the Depository Type TDE. The Depository Type
TDE
can then be used by those device handler components that support the capability to
specify
to terminals the depository to open for deposit transactions.
You can view or change the depository type associated with a card on the General
tab of
the Card Management window.
Card Types
Card types are a specific form of instrument type. They are a one- or two-character
user-defined identifier (code) used throughout BASE24-eps to identify the type of
card.
Each card defined to the system must have a corresponding card type associated
with it.
Refer to Payment Instruments on page 29 for information about how available
instrument
types are defined in the system.
You can view or change the card type associated with a card on the General tab of
the
Card Management window.
Note: The INSTRM_TYP Card object script operator returns the one or twocharacter
code representing the instrument type of the card used in a transaction.
Check Processing
BASE24-eps check processing enables you to specify at the prefix and card level
whether
to evaluate check-based transactions against your total cash advance and total
withdrawal
limits. If defined at the card level, these settings are on the General tab of the Card
Management window. For information about these check settings, refer to Check
Limits/Usages on page 196.
Card Status
Card status indicates whether a card is open, closed, lost, stolen, or pending
activation.
This information is critical to authorization processing in that the status of a card is a
major
factor in determining processing allowed on the card. For example, transactions
would
typically be denied for lost, stolen, and closed status cards, however, transactions on
cards
that are lost or stolen might also provide the opportunity to retain the card on behalf
of the
card issuer.
Status values are user-defined for your system in the
CommonCodesValues.properties
file. Values of 0015 are intended for Open statuses; values 16-99 are for other
values.
The default values here correspond to values in the standard authorization scripts
delivered
with the BASE24-eps application. These values can and should be changed for
specific
environments.
Value Description
015 Open
60 Denied - Lost
70 Denied - Stolen
80 Denied - Closed
Status Last Change Date fields on the Status tab of the Card Management window.
Effective Date
If you want a card to become usable as of a specific date, you can set an effective
date
for the card. The effective date is intended to be the first date BASE24-eps will
authorize
transactions on a card and can be used by your authorization scripts for that purpose
(currently, the sample authorization scripts do not include this processing).
You can view or change the effective date associated with a primary or secondary
card
on the Status tab of the Card Management window.
Placing a check mark in the Use Effective Date field on that tab enables the
associated
date field and can also be used by your authorization scripts to control whether or
not to
use the effective date field in processing.
Note: The system tracks the date and time the effective date last changed for
primary
and secondary cards defined in the BASE24-eps system. This information is
displayed in
the Effective Last Change Date fields on the Status tab of the Card Management
window.
Expiration Date
If you want a card to expire as of a specific date, you can set an expiration date for
the
card.The expiration date is the last date BASE24-eps will authorize transactions on a
card.
You can view or change the expiration date associated with a primary or secondary
card
on the Status tab of the Card Management window.
Placing a check mark in the Use Expiration Date field on that tab enables the
associated
date field. The date placed in that date field is the last date the card will be usable.
Note: The system tracks the date and time the expiration date last changed for
primary
and secondary cards defined in the BASE24-eps system. This information is
displayed in
the Expiration Last Change Date fields on the Status tab of the Card Management
window.
Card Limits
The limits profile and the limit overrides to be used by a card are specified on the
Limits
tab of the Card Management window. For information about these limit profiles and
overrides, refer to Assigning Limit Profiles to Cards, Accounts, and Prefixes on page
149.
Note that card usages are maintained in their own data source and are not part of
the card
record.
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Accounts
BASE24-eps supports up to 80 accounts associated with a single card. These are
set up
on the Accounts tab of the Card Management window. Refer to Accounts on page 40
for
more information about accounts and associating them with cards.
Effective Date
Expiration Date
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Payment Instruments, Cards, and Accounts
In processing, the primary and secondary cards are differentiated by their expiration
date
(i.e., the expiration date on the card can be compared to the expiration dates for the
primary
and secondary cards in the Card record).
You can view or change the primary and secondary card information on the Status
tab of
the Card Management window.
Script Operators
The following Card object script operators are used in support of primary and
secondary
cards:
SCND_STAT
SCND_STAT_SET
PRI_STAT
PRI_STAT_SET
IS_PRI_EFF
IS_PRI_EXP
IS_SCND_EFF PRI_STAT_SET_NOTIFY SCND_STAT_SET_NOTIFY
IS_SCND_EXP
These operators can be used to determine whether the card used to initiate a
transaction
is the primary (original) or secondary (reissued) card by comparing the expiration
date of
the card to the primary and secondary card expiration dates in the Card data source.
The
operators can also be used to activate the secondary card when the first transaction
using
the card is received and/or the operators can be used to promote the secondary card
to
become the primary card. Refer to the BASE24-eps Scripting Manual for more
information
about these and other script operators.
Administrative Cards
Administrative cards are a special type of card identified within BASE24-eps for
different
forms of administrative channel processing.
The processing and configuration requirements of an administrative card can vary
depending
on the type of channel in which they are used:
ATM terminal-owning institutions issue administrative cards for servicing and
settling
terminals.
Point-of-sale terminal owners typically issue administrative cards at the merchant
level
for settlement purposes.
Administrative cards enable terminal-owning institutions or merchants to initiate
administrative transactions at an ATM or point-of-sale terminal, respectively.
Cardholder
transactions, such as a return or an adjustment, can be configured to require the
input of
an administrative card as well as the cardholders card.
For transactions acquired in the BASE24-eps system from a channel device (e.g.,
ATMs
or point-of-sale terminals) using an administrative card, transactions are authorized
in
scripts using the same Card script operators in scripts that are used to access
non-administrative card information.
Transactions Allowed
The Admin Card Required field on the Acquirer Transactions Allowed Profile
Configuration
window (Configure > Transactions Allowed > Acquirer Transactions Allowed)
specifies
whether an administrative card is required to enter a transaction.
Prefix Considerations
Large ATM or point-of-sale network owners may want to issue administrative cards
using
a card prefix reserved for just administrative cards while smaller ATM or point-of-sale
network owners may want to designate a range of card numbers from within their
cardholder
base to be used as administrative cards. In either case, the card prefix for
administrative
cards must be configured as an on-us prefix.
Identification Information
The following information identifies the administrative card.
Field Description
Card Number The number of the administrative card.
User Name The user name associated with the administrative card.
The merchant ID associated with this administrative card. The administrative card can
only be used at POS terminals associated with this merchant.
Merchant ID
PIN Information
The following information identifies the PIN information associated with the
administrative
card.
Field Description
This is not displayed, but can be changed on the Administrative Card Configuration
window. To change it, the value must be entered twice.
PVV
PVV Key Index Specify the PVV Key Index to be used with the PVV.
Usage Information
The following information identifies the usage information associated with the
administrative
card.
Field Description
Last Used The date the card was last used.
The number of bad PIN tries attempted for the administrative card since the bad PIN tries
was last reset.
Bad PIN Tries
The date the bad PIN tries were last reset. Typically, the entry of a correct PIN causes
the bad PIN tries to reset to zero.
Last Reset
Allowed Transactions
Administrative cards can only be used to initiate those transaction types that are
specifically
enabled for the card.
The check boxes in the Allowed Transaction Types section of the Administrative Card
Configuration window indicate the transactions the administrative cardholder is
allowed to
perform with the card. A check mark in the box next to the transaction type means
the
administrative cardholder is allowed to perform that transaction; otherwise, the
transaction
is not allowed. The following is a list of transaction types that can be enabled for an
administrative card.
Allowed Transaction Types
Administrative Shift Close 95 (Administrative Subtotal)
(94)
Administrative Day Close
(93)
Administrative Batch Close
(92)
30 (Available Funds Inquiry 31 (Balance Inquiry) 38 (Card Verification Inquiry) 03 (Check Guarantee)
04 (Check Verification) 22 (Credit Adjustment) 02 (Debit Adjustment) 00 (Purchase)
01 (Withdrawal/Cash 20 (Return) A0 (Activation)
Advance)
09 (Purchase with Cash
Back)
5C (Bulk Authorization) 2A (Funds Disbursement) 9U (Offline Phone Top Up) 0A (Phone Top Up)
Accounts
Accounts, in the context of the BASE24-eps configuration, typically refer to the
accounts
tied to a card rather than to the card itself. Accounts basically represent the
underlying
card-issuer institutional accounts to which a card has access, such as the
cardholders
checking, savings, and credit accounts.
The latter approach might be useful, if for example, a cardholder was set up to make
certain
types of purchases for a number of clients. In this case, each client might establish
his or
her own account and each of those accounts would be associated with the card.
Then, for
transactions on the cardassuming the originating device supports itthe accounts
would
be passed back to allow the cardholder to choose the account for making the
purchase.
Institution ID
The institution ID is the identifier of the institution that owns the account. This
institution
ID must match the institution ID of the card with which the account is associated.
Account Number
The account number is the primary identifier for the account. The length of an
account
number varies but is typically 1116 digits.
You can view the account numbers of the accounts associated with a card in the
Account
Number field on the Accounts tab of the the Card Management window (Customer
Management > Card).
Account Types
The account type is a code used to identify the type of account represented by the
account
number.
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Note: The DFLT_ACCT_TYP Card script operator can be used access the account
type
during transaction processing.
Account Status
The account status is a value assigned to each account to be able to determine
certain
characteristics of the account.
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Account status values are Open or Closed. An account must have an open account
status
to be used in processing.The status change date is the date and time on which the
account
status was last changed.
Status values are user-defined for your system in the
CommonCodesValues.properties
file. Values of 0015 are intended for Open statuses; values 16-99 are for other
values.
The default values here correspond to values in the standard authorization scripts
delivered
with the BASE24-eps application. These values can and should be changed for
specific
environments.
Status Description
015 Open
90 Closed
Note: Changes to the account status on the Card data source do not affect the
account
status in the Positive Balance data source and vice versa.
Note: If you create new status values for your institution, it is important that you also
evaluate your script logic to ensure that those values are interpreted correctly.
Note: The system tracks the date and time the status last changed. This information
is
displayed in the Status Last Change Date fields on the Status tab of the Card
Management
window (Customer Management > Card).
Account Description
Your authorization scripts can be set up to use a default account type for a card. For
example, if you want all POS transactions for a cardholder to use a default account
of
checking, you would set the default account type to checking.
Note: Depending on your environment, multibyte versions of the account
descriptions can
be entered. If present, these multibyte values are carried in the Card Account
Multibyte
data source.
Account Status
The account status is a value assigned to each account to be able to determine
certain
characteristics of the account.
Account status values are Open or Closed. An account must have an open account
status
to be used in processing.The status change date is the date and time on which the
account
status was last changed.
Status values are user-defined for your system in the
CommonCodesValues.properties
file. Values of 0015 are intended for Open statuses; values 16-99 are for other
values.
The default values here correspond to values in the standard authorization scripts
delivered
with the BASE24-eps application. These values can and should be changed for
specific
environments.
Status Description
015 Open
90 Closed
You can view or change the account status on the Status tab of the Positive Balance
Management window.
Note: If you create new status values for your institution, it is important that you also
evaluate your script logic to ensure that those new values are interpreted correctly.
Note: Changes to the account status on the Card data source do not change affect
the
account status in the Positive Balance data source and vice versa.
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Note: The system tracks the date and time the status last changed. This information
is
displayed in the Status Last Change Date fields on the Status tab of the Positive
Balance
Management window (Customer Management > Positive Balance).
Balances
Refer to Account Balance Information on page 46.
Limits
The limits profile and the limit overrides to be used by an account are specified on
the
Limits tab of the Positive Balance Management window. For information about these
limit
profiles and overrides, refer to Assigning Limit Profiles to Cards, Accounts, and
Prefixes
on page 149. Note that balance usages are maintained in their own data source and
are
not part of the positive balance record.
Activity
Refer to Account Activity on page 50.
There are three usage names that are system-defined specifically for the purpose of
tracking
balance changes. Their formats are as follows:
AVAIL_yyyymmdd For available balances of debit accounts
LEDG_yyyymmdd For ledger balances of debit accounts
AVAILCR_yyyymmdd For available credit of credit accounts
The following is a sample list of active usages on a debit account based on a set of
transaction processed on the account. In this case, the processors authorization
scripts
are set up to create available and ledger balance usages for debit accounts. For
information
on active versus expired usages, refer to Tracking Transaction Usage on page 152.
Active Usages
# Transaction Name Amount Name Amount
1 Purchase AVAIL_20090305 -$500 LEDG_20090305 -$500
2 Purchase AVAIL_20090305 -$50 LEDG_20090305 -$50
3 Purchase AVAIL_20090306 -$20 LEDG_20090306 -$20
4 Deposit AVAIL_20090306 $200 LEDG_20090306 $800
5 Purchase AVAIL_20090307 -$40 LEDG_20090307 -$40
6 Purchase AVAIL_20090307 -$60 LEDG_20090307 -$60
7 Withdrawal AVAIL_20090308 -$100 LEDG_20090308 -$100
8 Purchase AVAIL_20090308 -$10 LEDG_20090308 -$10
9 Purchase AVAIL_20090308 -$300 LEDG_20090308 -$300
-$300
$5,270 Derived Balance
Because current balances are derived by applying active usages that were created
with
dates on or after the date of the start-of-day balance, it is assumed that the hostprovided
start-of-day balances would always include any transaction activity that occurred
prior to
the date. Thus, in this example, usages 1 and 2 represent transactions that would
have
already been processed and included in the host-provided start-of-day balances.
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Account Activity
The Positive Balance data source contains the account activity information.
The account activity information is described in the following table. All of this
information
can be accessed by your authorization scripts, and some of it can be updated. The
table
identifies those fields that can be updated by your authorization scripts.
All of it can be refreshed or updated by file update, and all of it can be viewed for an
account
from the Activity tab of the Positive Balance Management window (Customer
Management
> Positive Balance).
Updated by
Script?
Group Field Description
Deposit Last Deposit Amount The amount of the last deposit on the account. Yes
Last Deposit Date The date of the last deposit on the account. Yes
The minimum amount for a payment from the No
account. This typically applies only to credit or
installment-type accounts on which debt is owed.
Minimum Payment
Amount
Payment
The payment due date for a next payment from No
the account.
Next Payment Date
Withdrawal Last Withdrawal Amount The amount of the last withdrawal on the account. Yes
Last Withdrawal Date The date of the last withdrawal on the account. Yes
Interest Accrued The accrued interest on the account. No
YTD The year-to-date interest on the account. No
EMaskedComponents for these fields use the FieldMasking.xml file to mask the
display
of sensitive customer data. For detailed information about the FieldMasking.xml file
and
the CARD and ACCOUNT masks, refer to the ACI Java Server Framework
Reference
Guide.
Security Best Practices: Access to other customer-sensitive information such as
balances, transaction amounts, and address information is controlled through the
assignment of window permissions to users.
Transactions Allowed
Transactions allowed is a term used for a basic transaction screening function that
BASE24-eps provides as a part of routing and authorization for acquirer and issuer
endpoints. Essentially, it specifies which transactions an acquirer or issuer accepts
and
under what circumstances.
Allowed transactions are set up using the following types of profiles, which can then
be
assigned to one or more entities.
Acquirer Transactions Allowed Profile
Issuer Transactions Allowed Profile
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Transactions Allowed
What is a Profile?
Profiles are named sets of parameter values and settings that can be assigned as a
group
and shared amongst multiple entities. Profiles enable configuration and reuse of
common
values, saving time in setup and adding consistency.
What is a Profile?
Profiles are named sets of parameter values and settings that can be defined as a
group
and shared amongst multiple entities. Profiles enable configuration and reuse of
common
values, saving time in setup and adding consistency.
You must assign an Issuer Transactions Allowed Profile to each prefix supported by
your
system issuers.You must also assign an Issuer Transactions Allowed Profile to each
interface through which the system sends transactions to be authorized by external
authorizers.
Issuer Transactions Allowed Profiles are assigned to the different entities using the
field
settings shown in the table below.
Type of Assignment Window Tab Field
Prefixes On-Us Prefix Configuration Issuer Information Issuer Transactions Profile
Issuer Transactions Allowed
Profile
ISO8583 (93) Host Interface Processing
Configuration
ISO 93 Host
Issuer Transactions Allowed
Profile
ISO8583 (87) Host Interface Processing
Configuration
ISO 87 Host
Issuer Transactions Allowed
Profile
Interchange Interchange Configuration UI Processing
The following table shows the processing that occurs in this case. Note that for noton-us
transactions, the value in the Acquire Transaction Allowed TDE can override the noton-us
value in the Issuer Transactions Allow profile if the TDE value is more restrictive.
Transactions that are denied are given an action code of 119 (Denied, transaction
not
permitted to cardholder), journaled, and returned to the transaction acquirer.
Not-On-Us
(the Acquirer and Issuer Institutions are not
the Same)
On-Us
(the Acquirer and Issuer Institutions are
the Same)
On-Us/Not-On-Us
Value
Disallowed The transaction is denied. The transaction is denied.
The transaction is allowed.
If the Acquire Transaction Allowed TDE
specifies a country or state restriction, that
restriction overrides this setting and the
transaction would be evaluated as described
Allowed Internationally The transaction is allowed.
below for Allowed Nationally or Allowed in
State.
The transaction is allowed if the acquirer
institution and issuer institution countries are
the same. Otherwise, the transaction is denied.
If the Acquire Transaction Allowed TDE
specifies a state restriction, that restriction
overrides this setting and the transaction would
be evaluated as described below for Allowed
in State.
The transaction is allowed if the acquirer
institution and issuer institution countries are
the same. Otherwise, the transaction is denied.
Allowed Nationally
External Authorization
If a transaction needs to be routed out through an interface component for
authorization,
the Issuer Transactions Allowed profile associated with the interface component
sending
the transaction is checked prior to sending the transaction. For example, if a
transaction
is being sent to Visa, the Issuer Transactions Allowed profile associated with the Visa
interface component is the profile checked.
In this case, the NOT-ON-US value in the profile is used to determine whether the
transaction is allowed as described in the table below. Transactions that are denied
are
given an action code of 119 (Denied, transaction not permitted to cardholder),
journaled,
and returned to the transaction acquirer.
On-Us Value Description
Disallowed The transaction is denied.
Allowed Internationally The transaction is allowed.
The transaction is allowed if the acquirer institution and issuer institution countries
are the same. Otherwise, the transaction is denied.
Allowed Nationally
The transaction is allowed if the acquirer institution and issuer institution states are
the same. Otherwise, the transaction is denied.
Allowed in State
Transaction Routing
Transaction routing is the processing within BASE24-eps that identifies transactions
arriving
from their source endpoints, determines the destinations to which they are to be sent
for
processing, and delivers them to these destinations. It is highly configurable and
adaptable
to any number of business requirements. However, generally speaking, transaction
routing
falls into the following types.
Acquirer-to-Issuer Routing
For transactions originating from an acquirer source, the destination is ultimately an
authorizing issuer. This the typical transaction routing scenario, where an acquirer
source
can be a channel device or an interface. A destination can be an internal destination
(i.e.,
the name of an authorization script configuration) using the Issuer Authorization
component
or an external destination (i.e., the name of an issuer interface) using the
interchange-specific interface component.Transactions to be sent to an external
destination
can also be routed to the Issuer Authorization component for prescreening before the
transaction is sent on to the interface.
Issuer-to-Acquirer Routing
For transactions originating from an issuer interface source (e.g., chargebacks), the
destination is the acquirer interface of the original transaction. In this case, the
typical
source and destination roles are reversed. The issuer source is always external (i.e.,
the
name of an issuer interface) using the interface-specific Issuer Interface component,
while
the acquirer destination is also an external destination (i.e., the name of an acquirer
interface) using the interface-specific Acquirer Interface component.
Sequential Routing
Sequential routing is a specialized form of transaction routing that can be built into
your
authorization scripts to enable a single transaction to be routed sequentially to one or
more
external destinations for processing. It differs from general transaction routing in that
it is
performed entirely by your authorization scripts.
From a general routing perspective, transactions are routed for authorization to an
Issuer
Authorization component and authorization script. At that point, the authorization
script
itselfwhich must have been written specifically to use sequential routingtakes
over to
perform the necessary processing.
Sequential routing provides an added level of flexibility in that you can set up your
BASE24-eps authorization scripts to involve multiple external entitiese.g., ACI
Proactive
Risk Manager (PRM), ACI Smart Chip Manager (SCM), or multiple hosts. For
instance,
by routing a transaction to ACI Proactive Risk Manager (PRM), you can provide
online real
time scoring as input into the authorization of the transaction.You could route a
transaction
to ACI Smart Chip Manager (SCM) as part of EMV processing.You could use
sequential
routing to support mobile top-up transactions or for integration with third-party bill
payment
providers. Or you could send transactions to a specific host for data aggregation.
Ultimately,
a single transaction response is journalled and returned to the consumer, who
perceives
the occurrence as one business transaction.
Sequential routing uses specific exported operators and requires modifications to the
authorization scripts to handle the various multiple routing functions. For information
on
setting up sequential routing, refer to Sequential Routing on page 133 and the
BASE24-eps
Scripting Manual.
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Transaction Routing
Proceed to step 3.
Does your system support acquiring Proceed to step 3a. Proceed to step 4.
terminals?
3
Create a single source routing Proceed to step 3b.
profile and assign it to all of your
terminals.
Create a single destination routing
profile and use it for all transaction
routing from your terminals.
Are all transactions from all of your
terminals to be routed the same
way?
3a
Proceed to step 4.
Destination Matrix - the set of destinations and related controls associated with a
single
transaction table entry.
Destination routing profiles are configured using the Destination Routing Profile
Configuration window (Configure > Routing > Profile Description > Destination
Routing
Profile) and Routing Configuration - Destination window (Configure > Routing >
Destinations). The profile information on these windows is stored in the Route data
source
(Route) and used to build the Route external memory table (Route_OLTP).
What is a Profile?
Profiles are named sets of parameter values and settings that can be assigned as a
group
to and shared amongst multiple entities. They allow you to define one set of values
and
use those same values over and over, saving time in set up and adding consistency.
In
the case of destination routing profiles, they allow one or more issuers to share
routing
configurations.
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This transaction table information combines to form the key of the Route data source
(Route) records, which contain the destination routing data associated with the entry.
The
following table identifies the specific transaction fields that are compared to the
values in
the table.
Transaction Table Field The Transaction Value Compared to the Table Field
The destination routing profile (name) identified for the transaction, carried in the
Issuer Route Profile TDE of the transaction.
If no exact match is found for the Issuer Route Profile TDE, table entries are searched
for an exact match on a default destination routing profile name of **************** (16
asterisks). If no entries contain 16 asterisks, there is no match.
Destination Routing Profile
The Routing Code identified for the transaction.
If no exact match is found, table entries are searched for an exact match on a default
route code of **************** (16 asterisks). If no entries contain 16 asterisks, there
is no match.
Route Code
Note: For issuer-to-acquirer routing, a route code of **************** (16 asterisks) is
always used.
Selection Hierarchy/Preferences
The Router component uses the preference hierarchy shown in the table below for
comparing transactions to the transaction table. The hierarchy is set up to enable the
Router component to find the most specific matches first and the least specific
matches
last. This enables you to set up general routing entries that can be used for the
majority
of transactions and override them with more specific entries for special routing
purposes.
The Router component cycles through the Route external memory table (built from
Route
data source) using these preferences until a matching entry is found.
Use of asterisks: Asterisks in the Account 1 Type, Account 2 Type, and Cardholder Authentication Method fields
denote a match on any value. For example, asterisks in the Account 1 Type field would match any account type.
By contrast, where the table denotes asterisks in the Destination Routing Profile and Route Code fields
(highlighted in
gray), the Router component is looking for an exact match on **************** (16 asterisks). In order to match the
former,
a Destination Profile must be created with the name **************** and to match the latter, a route code must be
created
called ****************.
When routing from an issuer to an acquirer, a route code of 16 asterisks is always used.
Search Search Criteria
Hierarchy
Preference Cust
Authentication
Method
Destination Route Code Account Type 1 Account Type 2
Routing Profile
1 Exact match Exact match Exact match Exact match Exact match
2 Exact match Exact match Exact match Exact match *
3 Exact match Exact match Exact match ** Exact match
4 Exact match Exact match Exact match ** *
5 Exact match Exact match ** Exact match Exact match
Floor Limits
Floor limits are amount thresholds that enable you to differentiate transaction
handling
based on whether a transaction is over or under a specific amount: transactions over
a
floor limit can be handled one way; transactions under the floor limit can be handled
differently.
To illustrate, if you set a floor limit to $50 USD, you can set up one type of handling
for
transactions of $50 or less and another type of handling for transactions more than
$50.
In this case, the floor limits control which set of destinations are used in a particular
destination matrix.
The floor limits for each transaction table entry are set on the General Information
tab of
the Routing Configuration - Destination window (Configure > Routing >
Destinations).
The currency for the floor limit is based on the country abbreviation value set in the
LGNT_COUNTRY_ABBR Environment attribute. The currency used for these limits
is
displayed immediately to the right of the limit amount on the window.
Note: A different floor limit is used for default processing. For information about this
floor
limit, refer to Default Authorization on page 139.
Floor Limit Settings
Field Description
Set to the floor limit you want to use for the destination matrix.Transactions equal to or less
than this amount are handled as under-the-floor transactions. Transactions greater than
this amount are handled as over-the-floor transactions.
Destination Route Floor
Limit
Specifies the algorithm to use for alternate floor limit checking if alternate floor limit check
is enabled by the Alternate Floor Limit Check Indicator flag.
Currently, the only product value supported in this field is EMV_ROUTE, which is used with
EMV processing. For information about EMV routing, refer to the BASE24-eps EMV Support
Guide.
Alternate Floor Limit
Algorithm
Place a check mark in this field if alternate floor limit checking is to be enabled.
If alternate floor limit checking is enabled, the Alternate Floor Limit Algorithm is used for
floor limit checking. Otherwise, the standard floor limit checks are performed.
Alternate Floor Limit
Check Indicator
Default Processing
If a transaction cannot be routed to a primary or alternate authorizer using a selected
Pre-Screen Destination
The Pre-Screen destination specifies a destination to which BASE24-eps is to send
a
transaction for prescreening. Prescreening enables the BASE24-eps system to make
preliminary standard checks on transactions and decline those that do not meet the
preliminary requirements before transactions are sent to a host or interchange
destination
for authorization. This prevents unnecessary processing by the host or interchange.
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Transaction Routing
Typical prescreening processing for cards may include checking the card status,
expiration
date, card verification, verifying the cardholder PIN, or checking withdrawal limits.
For
check-based transactions, prescreening might include screening the checks for
preapproval,
predeclines, or stop payments.
If a Prescreen destination is specified, the transaction is sent to that destination first.
If
there is not a Prescreen destination specified, the transaction is sent to Authorization
destination.
If the transaction does not pass the prescreening evaluations imposed by the
specified
script, the transaction is denied. If it does pass the prescreening, the transaction is
sent
to the Authorization destination.
Note: The BASE24-eps database is impacted during prescreening only if a
transaction
is denied as a result of prescreening checks. The BASE24-eps database is not
impacted
when a transaction passes the prescreening checks because the transaction is not
yet
committed.
Authorization Destination
The Authorization destination is the destination to which a transaction request is sent
to
be authorized.
For transactions authorized on the BASE24-eps system, the destination is the Issuer
Authorization component and the name of an authorization script configuration.The
following
is an example:
Stage Component ID Name Required to Host Advice Only
Authorization IAUT PCBA_PUR Not Used
Advice Destinations
The Advice destinations are the destinations to which transaction advices are to be
sent.
You can configure up to two advices to be generated and routed to a host or
interchange
for each transaction processed. The destinations are denoted using the component
ID of
the component to which the advices are to be sent.
These fields also control whether or not advices are generated. If no destination is
set, no
advices are generated or sent. If a destination is configured, you can also control the
circumstances under which an advice is generated, using the Required to Host
Advice
The following is an example of how you might set up advices to be sent for approved
transactions. In this case, the advices are sent to the HISO93_ISS_01 host interface
component.
Stage Component ID Name Required to Host Advice Only
Advice 1 INTFHI93 HISO93_ISS_01 Approved
Impact Destinations
The Impact destinations are the destinations to which approved transactions can be
sent
for impacting.
Impacting is the application of the transaction to account totals and usages
maintained on
the BASE24-eps system. If cardholder account balances and usages are maintained
on
the BASE24-eps system, you can configure the Router component to send the
transaction
to an authorization script configuration to impact the cardholders balance and usage
information if the transaction is approved.
Impacting destinations are typically only used when transactions are authorized by a
host
and data sources need to be updated in the BASE24-eps system. Impacting
destinations
are not typically required if BASE24-eps is authorizing transactions, because the
data
sources are updated as a part of the authorization process.
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Transaction Routing
You can configure up to two destinations for impacting, each consisting of a
component
ID and script. If impacting is required, you would enter IAUT in the Component ID
field and
the name of the impacting authorization script configuration in the Name field.The
following
is an example where the PCBA_PUR_IMP script configuration is set up to handle
response
message types:
Stage Component ID Name Required to Host Advice Only
Impact 1 IAUT PCBA_PUR_IMP Not Used
Floor Limits
Each destination matrix has a floor limit associated with it. This floor limit is defined
in the
Destination Route Floor Limit field on the General Information tab of the Routing
Configuration - Destination window (Configure > Routing > Destinations).
Script Selection
When the Router component selects the Issuer Authorization component and the
name
of an authorization script configuration as the destination for a transaction, the Issuer
Authorization component must still determine the actual script to be executed. The
Issuer
Authorization component reads the Authorization Script external memory table
(Authorization_Script_OLTP) using the name of the authorization script configuration
from
the Authorizer Routing Destination TDE and the message type of the transaction
from the
Message Type Identifier (MTI) TDE. When a matching entry is found, the component
retrieves the name of the actual script to be executed.
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Transaction Routing
An authorization script configuration comprises individual scripts for the various
transaction
message types (e.g., financial request, financial advice, reversal advice, etc.). An
authorization script configuration name can be the same as an actual script or it can
be
different.
The Authorization Script external memory table is built from data entered on the
Authorization Script Configuration window (Configure > Script > Authorization
Script).
For detailed information on configuring authorization scripts, refer to Configuring
Script
Sets to Use as Routing Destinations on page 122 and the BASE24-eps Scripting
Manual.
Terminal Acquirers
Terminal acquirers typically perform basic pre-screening, interface to multiple
interchanges,
and have little or no stand-in authorization capabilities. Typical settings for terminals
acquirers might be as follows:
Destination Matrix
Primary Destination Alternative Destination 1 Alternative Destination 2
Validates Pre-Screen None Pre-Screen None
transaction fields
Pre-Screen
(e.g., expiration
dates, card track
data checks, etc.)
using scripts to
obtain better
interchange rates.
Same as primary
but using a
Same as primary Authorization
but using a
Routes to an Authorization
interchange
Authorization
interface (e.g., different different
interchange
processor.
interchange
processor.
MasterCard, Visa,
etc.).
Advice 1 None Advice 1 None Advice 1 None
Advice 2 None Advice 2 None Advice 2 None
Impact 1 None Impact 1 None Impact 1 None
Impact 2 None Impact 2 None Impact 2 None
Financial Switches
Financial switches typically perform basic pre-screening, interface to multiple
interchanges,
and have substantial stand-in authorization capabilities. Typical settings for financial
switches might be as follows:
Destination Matrix
Primary Destination Alternative Destination 1 Alternative Destination 2
Card Issuer
Card issuers typically perform basic pre-screening, route to a back-end host for
primary
authorizations, and have substantial stand-in authorization capabilities in the event
that
the host is not available. They also send advices to a host and need to apply
transactions
to the BASE24-eps card and account database. Typical settings for card issuers
might be
as follows:
Destination Matrix
Primary Destination Alternative Destination 1 Alternative Destination 2
Validation against Pre-Screen None Pre-Screen None
positive card data
using scripts.
Pre-Screen
Stand-in Authorization None
authorization
Routes to a host Authorization
interface.
Authorization
using the positive
card with balances
authorization
method and
scripts.
Route to the host Advice 1 None
interface.
Advice 1 None Advice 1
Advice 2 None Advice 2 None Advice 2 None
Updates balances Impact 1 None Impact 1 None
in stand-in
Impact 1
database on
BASE24-eps
system.
Impact 2 None Impact 2 None Impact 2 None
Destination routing profiles are tied into BASE24-eps processing at the prefix level,
based
on known (on-us) and unknown (not-on-us) prefixes, and to source routing profiles in
order
to establish business relationships (for establishing routing codes).
Destination routing profiles are tied into BASE24-eps processing using the field
settings
shown in the table below.
Each of these fields provides a set of existing values you can select from in a
dropdown
list, or you can click on the field label link to enter a new value on the Source Routing
Profile Configuration window (Configure > Routing > Profile Description > Source
Routing Profile).
Association Window Tab Field
Destination Routing
Profile
On-Us Prefix Configuration window (Configure Issuer Information
> Prefix > On-Us)
Known (On-Us)
Prefixes
Destination Routing
Profile
System Prefix Configuration window (Configure no tab
> Prefix > Not-On-Us > System Prefix)
Unknown (Not-On-Us)
Prefixes
Destination Routing
Profile
Routing Configuration Destination/Source no tab
Relationship window (Routing>
Destination/Source Relationship)
Source Code Profiles
What is a Profile?
Profiles are named sets of parameter values and settings that can be assigned as a
group
to and shared amongst multiple entities. They enable you to define one set of values
and
use those same values over and over, saving time in set up and adding consistency.
In
the case of source routing profiles, they allow one or more acquirers to share routing
configurations.
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Transaction Routing
Algorithm Method
The algorithm method involves comparing a prefix and the PAN length of a card
number
to a specific algorithmone that identifies a specific category of issuer for purposes
of
routing (typically, the algorithms identify issuers associated with a specific
interchange).
Typically, these searches are defined following the Interchange Prefix searches.
Although you may not have information available to recognize a specific prefix or
card, the
interchange to which a card belongs is many times recognizable by applying certain
algorithms to the card number, which would be enough to route the transaction to the
interchange for processing. In that case, the interchange would be able to route the
transaction to the appropriate issuer.
To create an entry in the not-on-us prefix selection table using an algorithm search
method
for routing, create the entry on the System Prefix Configuration window (Configure >
Prefix > Not-On-Us > System Prefix) using the following key values.
Field Setting
Type Set to ALGORITHM.
Specify the algorithm to be used. Any algorithm specified here must be defined on the System
Algorithm Configuration window (Configure > Prefix > Not-On-Us > System Algorithm).
The following algorithms are typically configured:
American Express
Value
Diners Club
Discover
MasterCard
Visa
matching prefix cannot be found after exhausting all of the search methods
discussed
above. Thus, this method should only be used in the last entry for a not-on-us prefix
selection table.
To create a default entry in the not-on-us prefix selection table, create the entry on
the
System Prefix Configuration window (Configure > Prefix > Not-On-Us > System
Prefix)
using the following key values.
Field Setting
Type Set to DEFAULT.
Value Leave blank.
Field Setting
Low Prefix The lowest prefix in the range to be considered a match.
High Prefix The highest prefix in the range to be considered a match.
PAN Length The length of the PANs whose prefixes are to be compared to low-to-high prefix range.
Discover Algorithm
If a primary account number is 16 positions in length, the first four positions are
6011, and
the fifth and sixth positions fall in the range of 00 through 09 or 20 through 99, the
card
MasterCard Algorithm
If a primary account number starts with 51, 52, 53, 54, or 55, the card issuer is
considered
to be MasterCard regardless of the length of the primary account number.
To set up this algorithm, one entry would be required on the System Algorithm
window for
each length of PAN supported. For example, if you support MasterCard cards with
PAN
lengths of 11, 12, 13, and 14, you would need to configure the following entries.
Low Prefix High Prefix PAN Length
51 55 11
51 55 12
51 55 13
51 55 14
Visa Algorithm
If a primary account number is 13 or 16 positions in length and the first position is a
4, the
card issuer is considered to be Visa.
To set up this algorithm, you would configure two entries, as follows, on the System
Algorithm Configuration window.
Low Prefix High Prefix PAN Length
4 4 13
4 4 16
Routing Codes
Routing codes are user-defined values created specifically to enable you to set up
unique
routing parameters and destinations based on the card prefix, the transaction code
of a
transaction, and the business relationship between the acquirer and issuer involved
in the
transaction.
Essentially, routing codes provide another significant level of differentiation when
evaluating
transactions for processing. There are several key concepts for understanding the
use of
routing codes:
Routing codes only apply to transactions being routed from acquirer to issuer. They
cannot be defined nor used for transactions being routed from an issuer to an
acquirer.
Use of routing codes is enabled or disabled at the prefix level. This means that for
each
known or unknown prefix you set up for processing transactions, you must specify
whether or not to evaluate the transactions for a business relation and routing code.
The key for selecting a specific route code consists of the destination routing profile
and
source routing profile (which establishes the existence of a business relationship)
and
transaction code of the transaction.
The first line of the table specifies that a purchase transactionwhere the selected
destination routing profile is Dest_Pro_A and the source routing profile is Src_Pro_1
would
be assigned a route code of PUR. In this case, PUR would be used for determining
the
correct destination matrix in the destination routing profileactually the Route data
source
(Route), and the Route external memory table (Route_OLTP).
Note: From a configuration standpoint, the use of route codes needs to be
coordinated
with the destination matrixes defined in the destination routing profile. For example, if
you
want to handle those transactions in the example above in a unique manner, you
would
need to set up your destination routing profile transaction table to include an entry
with a
route code of PUR.
Once the most-preferred match is found, the Router component retrieves the route
code
value from the external memory table entry.
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When setting up routing, this relationship can be taken into consideration when
determining
a routing destination (typically, this would require a separate set of authorization
scripts
that would identify the fuel purchases for discounts).
File updates, in the context of file update routing, refer specifically to file updates and
file
update transactions that originate in the following ways.
Real-time file update transactions sent to BASE24-eps from an external host.
These
are received through the HISO 93 Host Interface component.
Partial-file refresh record actions (i.e., add, replace, update, or delete record) on
data
sources supported by partial-file refresh.
Certain authorization-related changes to the Card data source (i.e., changes made
by
an authorization script). Authorization scripting can be modified to route certain types
of Card changes as file update transactions to external entities.
Note: In this context, file updates do not include those changes made through the
ACI
desktop user interface.
File update routing is defined on the File Update Router Configuration window
(Configure
> Routing > File Update Router). Data from the File Update Router window is
stored as
table entries in the File Update Router data source, which is used to build the File
Update
Router external memory table (File_Update_Route_OLTP) used by the File Update
Router
component.
Upon receipt of a file update transaction, the File Update Router searches for one or
more
applicable table entries in the File Update Router external memory table
(File_Update_Route_OLTP) and uses those table entries to determine the
component and
interface to which to pass the transaction.
Note: Setting up file update routing is only required if you want to route file updates
to
external entities. Updates to BASE24-eps data sources do not require records in the
File
Update Route data source.
Destination Fields
Once a table entry is selected, the destination to which the file update transaction is
to be
routed is determined from the following fields of the entry. If multiple table entries are
selected, copies of the file update transactions are sent to each destination.
Field Description
The component ID of the interface component to which the type of file update
transactions specified in the File Type field are to be routed.
Component ID
ID field before you select an interface name, because the component that you select
determines the interfaces that are valid for that component.
Interface Name
Note: To be able to send file updates from the BASE24-eps system, the issuer interface
must support file action or file update messages.
Exported Operators
In addition to updating values in the Card, certain exported operators can be used to
instruct
the Card component to format a 1304 file update message and pass it to the File
Update
Router component. Thus, when certain values are changed in the Card, file update
transactions can be sent to external entities to note these changes.
This table identifies the exported operators that can be used to create file update
transactions for the corresponding Card changes.These exported operators can be
written
into your authorization scripts as needed. Refer to the BASE24-eps Scripting Manual
for
information about the use of exported operators in your scripts.
Exported Operator Card Field
CSM_BUF_SET_NOTIFY CSM Buffer
PRI_STAT_SET_NOTIFY Primary Instrument Status
PVV_SET_NOTIFY PVV
SCND_STAT_SET_NOTIFY Secondary Instrument Status
What is Authorization?
Authorization is the process of determining whether a transaction is approved,
denied, or
What is Prescreening?
Prescreening is the process of checking certain transaction properties before
performing
full authorization processing, thus reducing unnecessary processing by the
authorizer for
those transactions that fail to meet certain basic requirements, such as PIN
verification.
Prescreening is commonly performed in a transaction processing environment in
which
one system acquires transactions and another system performs final authorization.
The
system acquiring the transaction might be set up to perform certain prescreening
checks
that must be passed prior to sending the transaction to the other system for
authorization.
Within BASE24-eps, prescreening is typically only performed when transaction
authorization
is carried out by a host. In this case, you would set up BASE24-eps to do the
prescreening,
and then route the transaction to a host for authorization. If BASE24-eps is to be the
transaction authorizer, you would not set up BASE24-eps to also prescreen the
transaction.
BASE24-eps prescreening is carried out using script sets set up as Prescreen
routing
destinations (refer to Destination Routing Profile Destination Matrix on page 74).
Because
prescreening is scripted, it is very flexible and can be modified and uploaded without
stopping and restarting BASE24-eps.
Scripting Note: Prescreening scripts should not perform BASE24-eps database updates unless a transaction is
denied
by the scripts. If a transaction passes the prescreening checks, the scripts should not update the BASE24-eps
database
because if the transaction is sent externally and the transaction outcome changes, no capability exists to back
out the
database changes made by the prescreening scripts. On the other hand, if the transaction is denied by the
scripts,
corresponding updates to the BASE24-eps database would be expected.
What is Impacting?
Impacting, in the context of authorization and prescreening, is the act of updating
authorization-related data sources as a result of the approval or denial of a
transaction by
a host. This could include updating a cardholders usage information or perhaps
changing
a cardholders status.
Impacting is typically only required when hosts are set up to authorize transactions,
but
BASE24-eps maintains specific authorization data sources for purposes of
prescreening
transactions or standing in for authorization should the host not be available.
Impacting,
as such, is not required when BASE24-eps authorizes transactions, because all of
the
necessary files would typically be updated as a part of the authorization processing.
Within BASE24-eps, impacting is carried out using script sets set up as Impact 1 or
Impact
2 routing destinations (refer to Destination Routing Profile Destination Matrix on
page
74). Because impacting is scripted, it is very flexible and can be modified and
uploaded
without stopping and restarting BASE24-eps.
Scripting Note: Impacting scripts should only update the BASE24-eps database (usages, status changes, etc.)
based
on the transaction outcome provided by the external entity.They should not change the outcome of a transaction
(e.g.,
changing one action to another). The reason is that these scripts are invoked after the transaction decision has
been
made (e.g., advices would have already been sent and there is no capability to generate reversals should you
change
the action code).
Use of Scripts
One of the key features of BASE24-eps is its flexible authorization scripting
capability. This
feature provides customers with the ability to easily modify authorization (and
prescreening
and impacting) logic to meet their own needs.
ACI delivers a set of sample authorization scripts with BASE24-eps. These sample
scripts
provide BASE24-eps customers a set of fundamental payment authorization services
that
can be adapted as a customer sees fit. It is important to note that these scripts are
provided
as examples only and should not be considered ready-for-processing.
For information about the BASE24-eps sample scripts, refer to the BASE24-eps
Sample
Fundamental Authorization Scripts Delivery Document. For information about using
and
modifying scripts, refer to the BASE24-eps Scripting Manual.
environment. As such, you can script other variations or other authorization methods
as
well.The Sample Fundamental Authorization Scripts Delivery Document contains a
current
list of BASE24-eps sample authorization scripts.
Default authorization is an exception in that no script is required (refer to Default
Authorization on page 139).
Note: BASE24-eps can only authorize transactions on cards with prefixes that it
recognizes
as on-us (refer to Local (On-Us) and Non-Local (Not-on-Us) Prefixes on page 24).
Top-level (or business level) authorization scripts provided by ACI use the following
naming
convention.
Naming Convention
<authorizationtype>_<txn>_<function>_<txntype>
<txn> - Up to five characters describing the type of transaction the script is written to
process. The following are examples:
ADV = Cash advance
DEP = Deposit
INQ = Balance Inquiry
PINCH = PIN change (PCHG is also used)
PCHG = PIN change (PINCH is also used)
PMNT = Payment
PUBK = PIN unblock
PUR = Purchase
RTRN = Return
XFR = Transfer
WDL = Withdrawal
<function> - Up to three characters describing the function of the message that the
script
is written to carry out.
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AU = Authorization
PS = Prescreening
IM = Impacting
IM1 = Impacting account 1
IM2 = Impacting account 2
<txn type> - Up to two characters describing the type of message the script is written
to
process.
RQ = Request (online and stand-in)
FP = Force Post
RV = Reversal
and Balances (PCBA) authorization method. They are provided here to give you a
sense
of the types of scripts provided and naming used. A full listing of sample scripts is
provided
in the BASE24-eps Sample Fundamental Authorization Scripts Delivery Document.
The
first column lists the recommended script set name to be used for each set of scripts.
Script Set Name Script Name Description
PCBA_DEP PCBA_DEP_AU_FP Deposit Force Post
PCBA_DEP_AU_RQ Deposit Request
PCBA_DEP_AU_RV Deposit Reversal
PCBA_DEP_IM2_RQ Deposit Request Impacting
PCBA_DEP_IM2_RV Deposit Reversal Impacting
PCBA_DEP_PS_RQ Deposit Pre-Screening
PCBA_INQ PCBA_INQ_AU_RQ Balance Inquiry Request
PCBA_INQ_IM1_RQ Balance Inquiry Request Impacting
PCBA_INQ_PS_RQ Balance Inquiry Pre-Screening
PCBA_PINCH PCBA_PINCH_AU_FP PIN Change Force Post
PCBA_PINCH_AU_RQ PIN Change Request
PCBA_PINCH_AU_RV PIN Change Reversal
Defining the Script Set and the Scripts Contained in the Script
Set
The Authorization Name, Message Type, Script Name and Script Enable Flag fields
on
the Authorization Script Configuration window define the script set and the scripts
included
in the set. These fields are described below. The other fields on the window are used
to
control performance monitoring for the script set (refer to Monitoring Script Set
Performance
on page 125).
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Field Description
The name of the script set. This name is used in your routing configuration to identify the
script set. Typically, the name is based on the authorization method and transaction type
for the scripts included in the set (e.g., PCBA_DEP, PCBA_PUR, etc.).
Authorization Name
The type of message to which the specified script is to be applied. The specified script will
only be invoked for messages of the type indicated. Message type values are displayed on
the window. For clarity, the corresponding message type is provided here as well.
Message Type
Message Type MTI
Authorization Request 1100
Authorization Response 1110
Authorization Advice 1120
Authorization Advice Response 1130
Financial Request 1200
Financial Request Response 1210
Financial Advice 1220
Financial Advice Response 1230
Reversal Advice 1420
Charge Back Advice 1422
Reversal Advice Response 1430
Charge Back Advice Response 1432
Administrative Request 1604
The top-level script used to process the type of message specified in the Message Type
field. Available scripts are displayed from the Script Repository for selection.
Script Name
A flag indicating whether or not the script is enabled. A check mark means the script is
enabled; no check mark means the script is disabled.
To be used, a script must be enabled. Refer to Enabling and Disabling Authorization Scripts
on page 130 for information about the implications of disabled scripts.
Script Enable Flag
Note: Information about whether a script is enabled or disabled is maintained in active
memory and written to the Authorization Script data source only after the number of
transactions defined in the ACTV_SCRIPT_STATS_UPDT_INTRVL environment attribute
are processed. Refer to the BASE24-eps Environment User Guide for more information
about this attribute.
1220 message types, and the PCBA_PUR_AU_RV script would be used to process
the
1420 message type.
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What is Monitored
Script monitoring tracks the percentage of time the scripts in a script set are setting
approval,
denial, and referral action codes for the various message types processed by the
script
set. For example, if a particular script has processed 1000 transactions and
approved 950,
the approval rate is 95%. Denials and referrals would make up the remaining 5% of
the
transactions.
In addition, script monitoring also enables you to set percentage thresholds for
approvals,
denials, and referrals that, if reached, will automatically disable the corresponding
script.
You would set these thresholds in testing to make sure the expected levels of
approvals,
denials, and referrals are not falling outside normal boundaries (e.g., the script is
approving
less than an expected percentage or denying/referring more than an expected
percentage
of transactions). The intent is to be able to identify scripts that may not be set up
properly
based on your business model.
As script results are monitored against these thresholds, they are color-coded on the
BASE24-eps windows from green to yellow to red as they approach the thresholds.
Scripts are monitored, relative to the script sets and message types to which they
are
assigned. For example if the same script is used to process both 1100 and 1200
message
types for a single script set, separate percentages are kept for 1100 and 1200
message
results. If the script denies an 1100 message, the denial percentage for 1100
messages
is affected, but not the denial percentage for 1200 messageseven though the
same
script is being used for both types of messages. Likewise, the script might be
disabled for
one message but not the other (e.g., it might be disabled for processing 1100
messages
but not 1200 messages). This concept holds true whether the same script is
configured
multiple times in the same script set or multiple times across multiple script sets.
Each
specific use of the script is monitored separately.
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Monitoring Zones
The Indicator field on the Active Script Statistics and Management window displays
the
percentage of measured transactions that are approved, denied, and referred and
are
highlighted as green, yellow, or red depending on the monitoring zone into which the
percentage falls. The following table describes how transactions are categorized into
monitoring zones.
A script is disabled if any one of the thresholds is actually reached. A message is
displayed
on the status bar at the bottom of the window to indicate that the script is disabled.
Monitoring Zones
Action Zone Description
The number of approved transactions is more than 25% above the
script approval threshold.
Approvals Safe (green)
The number of approved transactions is 1025% above the script
approval threshold.
Warning (yellow)
The number of approved transactions is less than 10% above the
script approval threshold.
Critical (red)
The script is automatically disabled if the number of approved
transactions is equal to or less than the script approval threshold.
Disabled
The number of denied transactions is more than 25% below the script
denial threshold.
Denials Safe (green)
The number of denied transactions is 1025% below the script denial
threshold.
Warning (yellow)
Each script used in authorization processing must set the Action Code TDE
(TDE.ACT_CDE) to a valid response action code. The TDE is set in scripts using the
TDE.ACT_CDE_SET operator. For example, the script statement below sets the
Action
Code TDE to a value of 101, which is a deny response for the reason that the
payment
instrument of the transaction being authorized had expired.
TDE.ACT_CDE_SET(101);
Note: Refer to Action Codes Supported by BASE24-eps on page 301 for a list of all
action
codes supported by BASE24-eps.
Sequential Routing
Sequential routing is a specialized form of transaction routing that can be built into
your
authorization scripts to enable a single transaction to be routed sequentially to one or
more
external destinations for processing. It differs from general transaction routing in that
it is
performed entirely by your authorization scripts.
From a general routing perspective, transactions are routed for authorization to an
Issuer
Authorization component and authorization script set. At that point, an authorization
script
itselfwhich must have been written specifically to use sequential routingtakes
over to
performs the necessary processing.
Sequential routing provides an added level of flexibility in that you can set up your
BASE24-eps authorization scripts to involve multiple external entitiese.g., ACI
Proactive
Risk Manager (PRM), ACI Smart Chip Manager (SCM), or multiple hosts. For
instance,
by routing a transaction to ACI Proactive Risk Manager (PRM), you can provide
online real
time scoring as input into the authorization of the transaction.You could route a
transaction
to ACI Smart Chip Manager (SCM) as part of EMV processing.You could use
sequential
routing to support mobile top-up transactions or for integration with third-party bill
payment
providers. Or you could send transactions to a specific host for data aggregation.
Ultimately,
a single transaction response is journaled and returned to the consumer, who
perceives
the occurrence as one business transaction.
Sequential routing is carried out using exported operators that provide access to
several
standard script-level routing functions.
Routing to a destination
Detecting the need to re-route a transactions to a secondary destination if a
particular
destination is unavailable
Reversing a transaction
Sending advices
Caution: If sequential routing is used in scripts, the Transaction Auditing Indicator for
the applicable route code on the Routing Configuration - Destination window must be
selected. Selecting this option disables transaction/TDE auditing. The reason for this
is that in sequential routing, the transaction is sent to multiple issuers and the
cumulative
effect of the transaction data is maintained. If the transaction needs to be rerouted
for
one of the issuers, the changes made to the transaction are not to be backed out or
undone.
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scripts (scripts specified for your Pre-Screen destinations) cannot perform seqential
routing.
Also, subscripts cannot perform sequential routing.
Note: For each external destination, transaction processing time increases, which
increases
the wait-time for the transaction originator expecting a response. Business impacts,
such
as time-out considerations, host processing capability, and customer expectations
should
be reviewed before implementing scripted destination processing.
Use of the SEQL_RTE_AUTH_RQST Script Operator
Basic destination routing is carried out within an authorization script using the
SEQL_RTE_AUTH_RQST script operator. This script operator can be invoked
multiple
times from a script to route a transaction to multiple external entities. The
SEQL_RTE_AUTH_RQST exported operator requires the following parameters:
Component ID and Name of the interface that is to receive the transaction (e.g.,
INTFHI93
and HISO93, respectively, for the ISO 8583:1993 Host Interface)
An optional true/false flag indicating whether a reversal is required to the specific
destination in the event that the transaction does not ultimately complete as
authorized.
For example, the script statement below specifies that a transaction is to be routed to
an
ISO 93 host interface (as identified by the INTFHI93 component ID) named
intf_host_93.
SEQL_RTE_AUTH_RQST(INTFHI93,intf_host_93,false);
If the Issuer Collection Index TDE does not exist, the Issuer Authorization
component
adds it with a current index of one and sets the first entry in the collection with a flag
indicating whether issuer-specific information is to be kept.
If the Issuer Collection Index TDE does exist, the Issuer Authorization component
increases the current index by one and adds a new entry in the collection after the
last entry with a flag indicating whether issuer-specific information is to be kept.
4. Invokes a new script component method (msg_send_extrn_suspend) to suspend
current
script processing.
If the function returns no error, continue.
If the function returns an error, return an error or false to the client.
Response Processing
When the Issuer Authorization component receives a response, it performs the
following
processing:
If the Original Acquirer Component ID TDE is present, which indicates that a
sequential
routing scenario is taking place, the Issuer Authorzation component performs the
following:
1. Restores the saved acquirer component ID (i.e., it replaces the acquirer
component
ID in the Acquirer Component TDE with the acquirer component ID from the Original
Acquirer Component ID TDE).
2. Invokes a new script component method (msg_send_extrn_resume) to resume
current
script processing.
If the function returns no error, continue.
If the function returns an error, return an error or false to the client.
If the Original Acquirer Component ID TDE is not present, which indicates no
sequential
routing scenario is taking place, current processing is performed.
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Leg Status TDE. The Sequential Route Transaction Leg Status TDE is set by the
Routing
component, and the TDE.SEQL_RTE_TX_LEG_STAT operator returns the value R if
re-routing is required or N if re-routing is not required.
The Issuer Authorization component removes the Sequential Route Transaction Leg
Status
TDE after a transaction is successfully re-routed.
Reversing a Transaction
Creating and sending a reversal to a destination is carried out within an authorization
script
using the SEQL_RTE_ RVSL_RQST script operator. Sending a reversal can be
necessary
if a transaction does not complete as intended and needs be reversed by a
destination
that processed the transaction through sequential routing.
When a 1100, 1120, 1200, or 1220 transaction is routed to a destination from an
authorization script using the SEQL_RTE_AUTH_ RQST script operator, the
Sequential
Route Issuer Auth State TDE is set to indicate that sequential routing was performed.
The
SEQL_RTE_ISS_AUTH_ST exported operator of the Sequential Route Issuer Auth
State
TDE can be checked to determine whether sequential routing was performed (1
indicates
sequential routing was performed). This exported operator can be checked in
reversal
scripts if all destinations invoked during processing need to be notified of the reversal
being
generated.
The SEQL_RTE_ RVSL_RQST script operator requires the following parameters:
Component ID and Name of the interface that is to receive the reversal.
Sending Advices
To send advices to a host to indicate that re-routing, such as stand-in processing,
was
performed, use the TDE.ADVC1_REQ_UPDT and TDE.ADVC2_REQ_ UPDT script
operators to override the configuration specified in the routing configuration. Each
operator
requires a single value:
A = Advice 1 (or 2) required for approvals
B = Advice 1 (or 2) required for both approvals/denials
D = Advice 1 (or 2) required for denials
This allows the scripts to override those settings in your configured routing
destination for
the transaction. For example, for re-routed transactions, you might want to override
the
following approved-only settings to generate advices for both approved and denied
Default Authorization
If a transaction cannot be authorized by a primary or alternate authorizer using a
selected
destination matrix, default authorization processing is invoked.
Default authorization processing is straightforward. No scripts are involved. The
Router
component invokes the Default Authorization component which simply compares the
amount of the transaction to a default floor limit and then approves, declines, or
refers the
transaction based on whether it is over or under the floor limit.
Default authorization processing is configured as a part of routing to act as an
authorization
option of last resort. Default processing is defined in the Default Authorization
Information
fields on the General Information tab of the Routing Configuration - Destination
window
(Configure > Routing > Destinations).The following information is set for each
Transaction
Table entry.
Approval Codes
Approval codes are unique identifiers created by transaction authorizers at the time a
transaction is approved to be used to validate the authenticity of the approval.
Approval
codes are only generated when a transaction is approved and can be used by
acquirers
as evidence of the approval. Approval codes are not generated if a transaction is
denied
or referred.
In BASE24-eps, approval codes are carried in the Approval Code TDE, which is
optionally
logged to journal files.You can use the Journal TDE Suppression window (Configure
>
Journal > Journal TDE Suppression) to suppress the logging of the Approval Code
and
other TDEs.
What is a Profile?
Profiles are named sets of parameter values and settings that can be assigned as a
group
to and shared amongst multiple entities. They allow you to set up one set of values
and
use those same values over and over, saving time, in set up, and adding
consistency. In
the case of Limit profiles, they allow one or more cards, accounts, or prefixes to
share a
single set of limits.
Currency
Each limit has a currency code associated with it which controls the currency in
which the
limit amount is expressed. Currency conversion between the currency of a
transaction and
the currency of the limit is performed if necessary. Refer to the BASE24-eps Multiple
Currency User Guide for more information on currency conversion.
noncredit accounts. The amount in this field is used only when the authorizing host
is unavailable and the BASE24-eps product performs stand-in authorization.
OFFLINE_CASH_WDL
TTL_CASH_ADV The maximum amount of cash advances allowed against credit accounts.
The maximum amount of cash advances allowed offline against credit accounts.
The amount in this field is used only when the authorizing host is unavailable and
the BASE24-eps product performs stand-in authorization.
OFFLINE_CASH_ADV
The maximum aggregate amount of cash disbursements allowed against credit and
noncredit accounts, plus purchases allowed against noncredit accounts.
TTL_AGGR
The maximum aggregate amount of cash disbursements allowed offline against
credit and noncredit accounts and purchases allowed offline against noncredit
OFFLINE_AGGR
accounts. The amount in this field is used only when the authorizing host is
unavailable and the BASE24-eps product performs stand-in authorization.
The number of times the cardholder has entered an incorrect PIN at terminals during
the current usage accumulation period.
BAD_PIN_TRIES
OVER_DRAFT_LMT The amount available for overdraft on this account.
The minimum cash advance amount allowed for transfer or payment transactions
that withdraw funds from a credit account.
MIN_CASH_ADV
The standard increment amount used to determine the amount of transfer or payment
transactions that withdraw funds from a credit account.
CASH_ADV_INCR
The maximum number of times this card can be used to withdraw cash in a single
usage accumulation period.
ATM_PER_PRD_LMT
ATM_TTL_CSH_WDL The maximum amount of cash withdrawals allowed against noncredit accounts.
The maximum amount of cash withdrawals allowed offline against noncredit accounts.
The amount in this field is used only when the authorizing host is unavailable and
the BASE24-eps product performs stand-in authorization.
ATM_OFF_CSH_WDL
ATM_TTL_CSH_ADV The maximum amount of cash advances allowed against credit accounts.
The maximum amount of cash advances allowed offline against credit accounts
using the BASE24-atm product. The amount in this field is used only when the
ATM_OFF_CSH_ADV
authorizing host is unavailable and the BASE24-eps product performs stand-in
authorization.
The maximum amount of purchases and cash withdrawals allowed against credit
accounts.
POS_TTL_PURCH
The maximum amount of purchases and cash withdrawals allowed offline against
noncredit accounts. The amount in this field is used only when the authorizing host
is unavailable and the BASE24-eps product performs stand-in authorization.
POS_OFF_PURCH
POS_TTL_CSH_ADV The maximum amount of cash disbursements allowed against credit accounts.
The total amount of refunds and replenishments made against credit and noncredit
accounts.
POS_TTL_RFND_CR
The total amount of refunds and replenishments made offline against credit and
noncredit accounts.
POS_OFF_RFND_CR
The number of refunds and replenishments this cardholder has performed during
the current usage accumulation period.
POS_NUM_RFND
The number of refunds and replenishments this cardholder can perform during the
current usage accumulation period.
POS_PER_RFND_LMT
The maximum number of transactions that can be performed since the last ATC
check (allows for offline authorization by device).
ATC_LMT_CHK
DEP_CR_AMT_PRD Amount of Deposit Credits
DEP_CR_NUM_PRD Number of Deposit Credits
MAX_DEP_CR_AMT Maximum Deposit Credit Amount
DEP_CR_PCT Deposit Credit Percent
MAX_DEP_CR_NUM Maximum Number of Deposit Credit
MAX_CR_PER_DEP Maximum Credit Per Deposit
MAX_DEP_CR_AMT Maximum Deposit Credit Amount
Limit Examples
The following are several examples of limits that could be set up in a limit profile. In
this
case, the limits are based on those defined in the BASE24-eps sample scripts. They
are
also in United States currency.
Period
Option
Limit Usage Period
Count
Limit
Amount
# Limit Name
1 TTL_CASH_WDL $7,000 n/a Fixed number of days 7
2 OFFLINE_CASH_WDL $2,000 n/a Fixed number of days 1
3 TTL_CASH_ADV $7,000 n/a One Week Monday
4 OFFLINE_CASH_ADV $1,500 n/a Fixed number of days 1
5 ATM_PER_PRD_LMT 2 Fixed number of days 1
The basic approach to setting up limits for a card or account is to create a limit profile
and
then assign it to those cards, accounts, and prefixes to which the limit profile applies.
Refer to Limit Profiles - Where Limits are Defined on page 143 for information on
setting
up limit profiles.
BASE24-eps provides the capability to add additional limits for a specific card or
account.
It also provides the capability to override one or more limits in the limits profile for a
specific
card or account. This could, for instance, enable you to set individual cash advance
limits
for a specific account or perhaps to override a general cash advance limit defined in
a
profile.
account-specific limits.
Note: BASE24-eps provides for a maximum of six new limits or overrides for a single
card
or account.
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Limit Expiration
Date
Use Expiration
Date
Period
Option
Usage
Period
Limit Limit Count
Amount
Limit Name
Enable the limit to expire (refer to Setting
Up a Limit or Limit Override to Expire).
Same as defined for a limit in the Limits Profile. Refer to Defining a Single
Limit on page 144 for information about these fields.
When the limits are retrieved from the Card or Positive_Balance data source, the
transaction
date and time is compared to the limit expiration dates, and if a limit has expired, it is
not
used.
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Note: The beginning of each new usage period, as well as the usage expiration
involves
both a date and time; however, just the date has been used here for simplicitys
sake.
Usage Accumulation Exampe
Active
Usage
Usages Usage Period Usage Period Usage Period
Feb-1 Feb-2 Feb-3 Feb-4 Feb-5 Feb-6
1 $215 Feb-3 $215
2 $20 Feb-3 $235
3 $50 Feb-3 $285
4 $50 Feb-5 $50
5 $100 Feb-5 $150
6 $50 Feb-5 $200
7 $100 Feb-5 $300
8 $50 Feb-7 $50
9 $50 Feb-7 $100
10 $25 Feb-7 $125
1. A $215 transaction posts Feb-1; a usage is created for $215, with its expiration set
to
Feb-3 (the beginning of the next usage period for the particular limit); the total active
usage for the current period is $215.
2. A $20 transaction posts Feb-1; a usage is created for $20, with its expiration set to
Feb-3; there are now two active usages, and the total active usage for the current
period
is $235.
3. A $50 transaction posts Feb-2; a usage is created for $50, with its expiration set to
Feb-3
(still the beginning of the next usage period for the particular limit); there are now
three
active usages, and the total active usage for the current period is $285.
4. A $50 transaction posts Feb-3; a usage is created for $50, with its expiration set to
Feb-5
(the beginning of the next usage period for the particular limit); since a new
accumulation
period has started, the individual usages created in steps 13 are expired and no
longer
used, there is now one active usage, and the total active usage for the current period
is $50.
5. A $100 transaction posts Feb-3; a usage is created for $100, with its expiration set
to
Feb-5; there are now two active usages, and the total active usage for the current
period
is $150.
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6. A $50 transaction posts Feb-4; a usage is created for $50, with its expiration set to
Feb-5; there are now three active usages, and the total active usage for the current
period is $200.
7. A $100 transaction posts Feb-4; a usage is created for $100, with its expiration set
to
Feb-5; there are now four active usages, and the total active usage for the current
period
is $300.
8. A $50 transaction posts Feb-5; a usage is created for $50, with its expiration set to
Feb-7
(the beginning of the next usage period for the particular limit); since a new
accumulation
period has started, the individual usages created in steps 47 are expired and no
longer
used, there is one active usage, and the total active usage for the current period is
$50.
9. A $50 transaction posts Feb-6; a usage is created for $50, with its expiration set to
Feb-7; there are now two active usages, and the total active usage for the current
period
is $100.
10. A $25 transaction posts Feb-6; a usage is created for $25, with its expiration set
to
Feb-7; there are three active usages, and the total active usage for the current
period
is $125.
Time
Usage Naming
All usages are created and acted on by your authorization scripts. Although it is not
required,
it is highly recommended that you adopt a convention for naming your usages where
the
usage name matches the limit to which it corresponds. The following table shows the
basic
suggested relationship between the limit and usage names.
Limit Name Usage Name
TTL_CASH_WDL TTL_CASH_WDL
OFFLINE_CASH_WDL OFFLINE_CASH_WDL
TTL_CASH_ADV TTL_CASH_ADV
OFFLINE_CASH_ADV OFFLINE_CASH_ADV
ATM_PER_PRD_LMT ATM_PER_PRD_LMT
TTL_AGGR TTL_AGGR
OFFLINE_AGGR OFFLINE_AGGR
POS device handlers The posting date from the device message or posting date
from the POS terminal file.
Network Interfaces Per the logical network cutover time. If the transaction is
before
the logical network cutover time, the capture date is set to the current date. If the
transaction is on or after the logical network cutover time, the capture date is the
current
date plus one day.
Host Interface The posting date from the external message. If the posting date is
not
present, the capture date is calculated the same as for network interfaces.
The expiration date/time for the AVAIL_yyyymmdd, LEDG_yyyymmdd, and
AVAILCR_yyyymmdd usages works the same as for other usages: the usages
remain
active up to the expiration date/time. However, the expiration date/time are
calculated
differently for these usages.
The expiration date is calculated using the number of days set in the Balance Usage
Retention Period field on the Settings tab of the Institution Configuration window. So
if a
transaction is processed on March 1 and the number of days is set to two, the
expiration
date would be March 3.
The expiration time is based on the institution cutover time plus the offset defined for
the
institution. For example, if the institution cutover occurs at 6:00pm, and the offset is
300
minutes, the expiration time would be 11:00pm.
An institutions cutover time and offsets are configured in the Balance and Cutover
End
Time and Usages Cutover Offset fields on the Institution Configuration window.
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are created for cards or accounts. Typically, space is recycled and no action is
required
to clean up expired usages. However, if a large number of card and account records
have
become inactive, it may be advisable to delete the expired usages manually in order
to
reclaim file storage space.
To delete expired usages, use the Process Control window to deliver a CLEANUP
command
to the RFSH destination identifying Usage Cleanup as the component. Refer to the
BASE24-eps Process Control User Guide for more information.
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from the PBAL data source and acted on by your scripts (i.e., denied if transaction
amount
is less than the minimum or not divisible by the increment).
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Preauthorization Holds
In BASE24-eps, a preauthorization hold is a single, logically discrete, expirationdated hold
for a specific transaction amount placed on a card or account to ensure that
sufficient funds
are retained to pay for amount of the hold.
Preauthorization holds are typically created as part of processing preauthorization
transactions, although they can be added manually as well. The net effect of a hold
is that
cardholders cannot use their entire available account balance, but are instead
restricted
to the amount of their balance minus the amount of any outstanding holds against it
this
would be in addition to any usage on the card or account. The actual account
balance is
not affected in this case, only the cardholders ability to use all of it. Holds are given
expiration dates and once expired have no further impact on processing. They can
also
be removed manually or as part of transaction processing.
BASE24-eps provides the capability to support preauthorization transactions and to
support
and manage preauthorization holds on payment instruments (cards) and accounts
defined
to the BASE24-eps system.
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has begun, it is difficult for the fueling station merchant to reclaim the product that
has
been pumped into an automobiles tank if it is found that the cardholder does not
have
enough available funds to cover the purchase. To minimize this risk, a fueling station
merchant can initiate a preauthorization transaction for a pre-determined amount that
is
an approximation of the final cost of an automobile fill-up. As a result of the
preauthorization,
those funds are placed on hold at the issuing bank. After the fuel dispensing has
completed,
the final price of the transaction is determined, and a completion transaction can be
sent
to the issuing bank to remove the hold on funds and apply the actual cost of the
transaction.
Hotel Stays
In the case of a hotel stay, preauthorizations can be used to minimize the risk of
having a
patron stay at the hotel for a time, and then not have the funds at the end of the stay
to
pay for their visit. The hotelier can reserve funds in the cardholders account to cover
the
expected cost of the stay by initiating a preauthorization transaction. Once the hotel
patron
checks out of the hotel, the final cost can be calculated and the holds on funds can
be
removed and replaced by the actual cost.
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component, and returns a 1110 response message to the acquirer component. The
retrieval reference number sent in authorization request is used as the
preauthorization
sequence number.
3. The Acquirer component journals the 1110 message and returns the message to
the
transaction originator.
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4. Once the final total is known and the goods or services are delivered, the
transaction
originator generates a 1220 preauthorization completion request with the final
total.The
1220 contains the same retrieval reference number as the original 1100. It is
received
by the acquirer component, which routes the transaction to the Issuer Authorization
component.
5. The Issuer Authorization component processes the 1220 preauthorization
completion
request. It removes the hold using the Preauthorization Hold component, adds usage
information for the actual amount of the transaction using the Usages component,
and
returns the 1220 message to the acquirer component.
6. The acquirer component journals the 1220 message and returns a 1230 message
to
the transaction originator.
Each record written to the Preauthorization Holds data source can contain up to 70
actual
holds.
Preauthorization holds are stored with the following information (shown as recordlevel
and hold-specific fields). Authorization scripts write and read these values using
script
operators.
Record-Level Fields
Field Description
Institution ID The institution ID of the institution to which the card or account belongs.
The type of instrument to which the preauthorization hold applies: Card or Account. Card
is represented in the data record as CD; account is represented in the data record as AC.
Hold Instrument
The card or account number to which the preauthorization hold applies, depending on the
type of hold instrument.
Card Number or Account
Number
A card member number if the hold instrument type is a card; an account type value if the
hold instrument type is an account.
Member Number or
Account Type
This value is set when the pre_auth_flag in the Preauthorization Hold TDE is set to falsewhich
occurs when the acquirer has not provided an Authorization Life Cycle Code (a hold interval and
number).
AO
1. A $215 transaction posts Feb-1; a usage is created for $215 with its expiration set
to
Feb-3; the total active usage for the current period is $215.
2. The cardholder rents a car on Feb-2. The car company authorizes the transaction,
placing a $90 preauthorization hold on the account for four days. Because
preauthorization holds are included in the usages in this example, the total active
usage
for the current period is $305.
3. A $50 transaction posts Feb-2; a usage is created for $50 with its expiration set to
Feb-3
(still the beginning of the next usage period for the particular limit); the total active
usage
for the current period is $355.
4. A $100 transaction posts Feb-3; a usage is created for $100 with its expiration set
to
Feb-5; since a new accumulation period has started, the individual usages created in
steps 1 and 3 are expired and no longer used; there is now one active usage ($100)
and one active hold ($90), and the total active usage for the current period is $190.
5. The cardholder gets gas on Feb-3. The gas pump authorizes the transaction,
placing
a $100 preauthorization hold on the account. Because preauthorization holds are
included
in the usages in this example, the total active usage for the current period is $290.
6. The final gas total is $87, and the gas pump sends a completion for the gas
transaction.
The $100 preauthorization hold is removed, and an $87 usage is created. There are
now two active usages ($100 and $87) and one active hold ($90), and the total
active
usage for the current period is $277.
7. A $50 transaction posts Feb-4; a usage is created for $50 with its expiration set to
Feb-5
(still the beginning of the next usage period for the particular limit); the total active
usage
for the current period is $327.
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8. The cardholder checks in at a hotel on Feb-4. The hotel authorizes the
transaction,
placing a $200 preauthorization hold on the account for a week. Because
preauthorization
holds are included in the usages in this example, the total active usage for the
current
period is $527.
9. A $60 transaction posts Feb-5; a usage is created for $60 with its expiration set to
Feb-7
(the beginning of the next usage period for the particular limit); since a new
accumulation
period has started, the individual usages created in steps 4, 6, and 7 are expired and
no longer used; there is one active usage ($60) and two active holds ($90 and $200),
and the total active usage for the current period is $350.
10. The $90 hold created in step 2 expires; there is now one active usage ($60) and
one
active hold ($200), and the total active usage for the current period is $260.
11. A $25 transaction posts Feb-6; a usage is created for $25 with its expiration set
to Feb-7
(still the beginning of the next usage period for the particular limit); the total active
usage
for the current period is $285.
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functions. These added functions illustrate optional processing that can be added to
the
scripts to adapt processing to your requirements.
Preauthorization Hold ID
In standard processing, BASE24-eps uses the transactions retrieval reference
number as
the preauthorization hold ID. In the case of Interac, the preauthorization hold ID is
created
by concatenating the retrieval reference number and the approval code created by
BASE24-eps. The retrieval reference number does not change over the life of a
transaction
and is alway included in completions. Interac acquirers would need to return the
approval
code with the completion so that the preauthorization hold ID can be determined.
scripts may need to modify holds as well, depending on the type of processing your
system
is set up to do.
Note: You can add, view modify, and delete preauthorization holds from the ACI
Desktop
as well (refer to Adding, Viewing, Modifying, and Deleting Preauthorization Holds
from the
ACI Desktop on page 178).
Check Processing
What is a Check?
A check is a negotiable instrument that instructs a financial institution to pay a
specific
amount of a specific currency from a specified demand (checking) account held in
the
maker/depositors name with that institution. Both the maker and payee may be a
person
or legal entity (e.g., corporation or business).
Historically, checks have been paper documents that physically changed hands from
the
maker to the payee. The payee would receive the funds represented by the check
when
the check was presented-either in person or through a settlement process-to the
financial
institution on which the check was drawn. The paper instrument was, in effect,
redeemed
for the funds it represented.
However, check processing has changed over the years. In most instances, a check
need
no longer physically change hands. Rather, an electronic image of the check is
legally
sufficient to represent the transaction. In this case, the physical check can be
scanned and
captured electronically at the point of origin and archived there for future retrieval if
necessaryeliminating the expense and manual effort surrounding the paper
instrument.
The payment itself can be processed as an electronic transaction using the captured
check
image and the check MICR data.
Globally, the use of checks is on the decline. In some countries, checks can only be
issued
by corporations and governments. In other countries, checks are not considered a
valid
payment instrument at all. However, checks do still have a significant market
presence
and where they are in use, it becomes important to process them efficiently and to
support
their unique security requirements (e.g., stop payments).
BASE24-eps system provides the basic capability and structure for defining check
processing. However, the way in which check processing is handled depends
entirely on
how your authorization scripts carry it out.
The Check Status and Account Routing components used in check processing are
accessible from your scripts using various exported operators. For information on the
various exported and script operators available to you, refer to the BASE24-eps
Scripting
Manual.
A set of sample authorization scripts is delivered with BASE24-eps which provides
some
basic templates for processing. If used, it is expected that these scripts be
thoroughly
examined and modified to fit your environment. The Sample Fundamental
Authorization
Scripts Delivery Document contains a current list of BASE24-eps sample
authorization
scripts.
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MICR Data
MICR is an abbreviation for Magnetic Ink Character Recognition, which is a
character-recognition technology adopted by the banking industry to facilitate the
processing
of checks. MICR data is printed on the physical check, enabling the information to be
electronically read and recognized for processing.
MICR is standardized by ISO 1004 and although the character sets are fairly
standard,
the MICR formats (actual format of data) encoded on the check can differ by country.
position
Routing Transit
Number (B)
Delimiters and
position
Formats
TBBBBBBBBBTAAAAAAA*CCCCCC$ T T beginning * $ end T * middle
*CCCCCC* TBBBBBBBBBTAAAAAAA* T T middle * * beginning T * end
*CCCCCC* TBBBB-BBBBTAAAAAAA* T T middle * * beginning T * end
TBBBBBBBBBTCCCC*AAAAAAA* T T beginning T * middle * * end
TBBBB-BBBBTCCCC*AAAAAAA* T T beginning T * middle * * end
TBBBBBBBBBTCCCC*AA-AAA-AA* T T beginning T * middle * * end
TBBBBBBBBBTAAAAAAA*CCCCCCC T T beginning * end T * middle
If a routing transit number and account number are available from the MICR data
the
Check Status data source can be searched for a possible match.
If a routing transit number, account number, and check serial number are identified
in
the MICR data, the Stop Payment data source (if configured) can be searched for
possible stop payments. If no check serial number is available, the Stop Payment
data
source cannot be searched (even if configured).
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The following are examples of account numbers belonging to the institutions defined
in
the table above, before and after their manipulation. Note that item 7 is an example
of an
account number from Institution-4, for which no manipulation is defined.
# Institution Before After
1 Institution-1 1234567 555001234567
2 Institution-1 5678901 555005678901
3 Institution-2 12345 777000012345
4 Institution-2 56789 777000056789
5 Institution-3 12345678 778012345678
6 Institution-3 56789012 778056789012
7 Institution-4 111234567890 111234567890
The following are before and after examples of routing transit numbers, based on the
Account Routing settings in the table above.
Replacement Value in the MICR
data
# Institution Sent in the MICR data
1 Institution-1 345678912 123456789
2 Institution-2 456789123 123456789
3 Institution-3 678912345 123456789
4 Institution-4 123456789 123456789
In this case, the MICR data routing transit number of institutions 1 through 3 would
be
replaced with 123456789. Institution-4 would not have an Account Routing record,
and its
MICR data routing transit number would be processed as is: as 123456789.
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Examples of Uses
There are a variety of ways you can use the preapproval and predecline options
available
to you. Several are described below.
Option Description
There may be situations in which you want to preapprove all checks from a specific
company or institutionperhaps for social security checks or payroll checks from a specific
Preapproved Checks
Check Limits/Usages
Because check transactions involve cash disbursements, it is useful to consider how
usages
and limits are to be applied to check-based transactions.You might, for instance,
want to
establish separate limits and usages for check-based transactions.You might also
want
to include check transactions in your total cash advance and total withdrawal limits
under
certain circumstances when authorizing transactions for a cardholder.
not want to include the check in the total cash advance or withdrawal limits.
Conversely,
if the check is not defined to the system, the institution may want to make sure
cashing
the check does not take the cardholder over his or her cash advance or withdrawal
limits
for the card.
The following table lists the configuration fields available to you. The prefix-level
versions
of the fields are set on the Check Processing tab of the On-Us Prefix Configuration
window
(Configuration > Prefix > On-Us) and are accessed by the Prefix component. The
card-level versions of the fields are set on the General tab of the Card Management
window
(Customer Management > Card) and accessed by the Card component.
Card-level settings are provided to override the prefix settings for specific
cardholders.
Field Description Prefix Values Card Values
0 = No
1 = Yes
0 = No
1 = Yes
Indicates transactions involving checks not
defined in the Check Status data source
should be included in Total Cash
Advance/Total Withdrawal usages and
Check Base Flag
2 = Use Prefix value
checked against Total Cash Advance/Total
Withdrawal limits.
0 = No
1 = Yes
0 = No
1 = Yes
Indicates transactions involving checks
defined in the Check Status data source
should be included in Total Cash
Advance/Total Withdrawal usages and
Check Status Check
Base Flag
2 = Use Prefix value
checked against Total Cash Advance/Total
Withdrawal limits.
The expiration date and time associated with a stop payment can be set explicitly
when
the stop payment is created (e.g., by refresh, file update, or through the ACI
Desktop), or
they can be created using a default.
If an expiration date and time are not specified for a stop payment, the Stop Payment
component will search for an applicable Check Type data source record and if found,
use
the values in that record to calculate an expiration date and time (refer to Defining
the
Default Expiration Term for Stop Payments).
What this means is that in the case of partial-file refreshes and file updates, if the
expiration
date is not provided in the Stop Payment record information for a new record, the
Stop
Payment component will use the Check Type data source for determining an
expiration
date and time.
If no Check Type record is found, the Stop Payment component will use the
STOP_PMNT_EXP_DAYS environment variable to calculate the expiration date and
time.
The following are examples of how the expiration date and time are calculated based
on
a default.
Creation Specified Interval Expiration
Date Time Increment Number Date Time
Mar-1 6:00 Days 5 Mar-6 6:00
Mar-1 6:00 Days 120 Jun-29 6:00
Mar-1 6:00 Week 8 Apr-26 6:00
The type of check supported by the institution. Valid values are 0199. For example: 01
could indicate personal check, 02 a business check, etc.
The check types values can differ from institution to institution. For example, BankTwo
might use 01 to specify a personal check, whereas BankThree might use 02.
Check Type
A description for the Check Type (e.g. Personal, Business, Government, etc.).The default
value is spaces.
Check Type Description
A value specifying the expiration interval for the specified check type. Valid values are
as follows:
1 = Days (default)
Check Type Expiration
Period
2 = Weeks
The number of days or weeks to use for a default expiration period (days or weeks is
controlled by the Check Type Expiration Period field). For example: if this value is 150
Check Type Expiration
Period Value
and the Check Type Expiration Interval field is 1, the expiration period would be 150 days.
Valid values are 0999. The default value is 90.
as the component. This deletes all expired stop payments. Refer to the BASE24-eps
Process Control User Guide for more information about this command.
Check Type
The default value is 00, which indicates no check type value (i.e. (none) on the UI).
A message regarding the stop payment order.This can be any data about the stop payment
order that the institution chooses to place on the file. The default value is spaces.
Stop Payment Description
Block Codes
Block codes are two-position codes associated with a card or prefix block to indicate
the
nature of the block and the action to take. A block code is included in each card block
and
prefix block record.
In card or prefix block processing, a block code is returned to your authorization
script if a
block record is found.The resulting action must be determined by your authorization
script,
but in most cases, the purpose of a block code is to call for the denial of
transactions.
Certain block codes, however, denote that the block is no longer in place and the
card or
prefix is unblocked. If the block code indicates the card or prefix is unblocked, your
scripts
would typically allow the transaction to pass (i.e., not deny it due to a card or prefix
block).
It is important to note that scripts can be written to perform whatever processing
actions
you want to take.
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Card and Prefix Blocking
The Prefix Block component uses the PAN length, Prefix, and Expiration Date to
locate a
record in the Prefix Block data source. The component looks for a record based on
the
following preference.
Expiration Description
Date
Preference PAN Length Prefix
Blocks transactions on all cards with the indicated
prefix and expiration date.
1 Exact Match Exact Match Exact Match
Blocks transactions on all cards with the indicated
prefix.
2 Exact Match Exact Match *******
Note: PAN length and prefix are always used in conjunction with one another to
define
prefixes in the BASE24-eps system.
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Card and Prefix Blocking
The expiration date (YYYYMM) of the card on which the block has been placed.
If the record is for a block against a specific expiration date, this field should contain the
expiration date of the card. If the record is for a block against any expiration date, this field
should be set to 999999 (displayed as asterisks on the ACI desktop).
Expiration Date
This value is part of the primary record key.
A check mark that controls whether or not the Card Block date/time fields are to be used.
A check mark means they are available for use. No check mark means they are not available
for use.
Use Card Block Date/Time
Date/time fields indicating the date and time the customer placed the block on the card.
This information is set from the Card Block Date and Card Block Time fields in the Sperren
refresh detail record.
Effective Date/Time
Timestamp (YYMMDDhhmmss) of the refresh that created this record. This information is
set from the File Creation Date and File Creation Time fields in the Sperren refresh file
header.
Refresh Time Stamp
The prefix to which the prefix block record applies. The prefix is used in conjunction with
the PAN length to identify the prefix to which the prefix block record applies.
This value is part of the primary record key.
Prefix
The length of the Primary Account Numbers (PANs) to which the prefix block record applies.
This value is part of the primary record key.
PAN Length
The expiration date (YYYYMM) of the cards to which the prefix block applies.
If the record is for a block against a specific expiration date, this field should contain the
expiration date. If the record is for a block against any expiration date, this field should be
set to 999999 (displayed as asterisks on the ACI desktop).
Expiration Date
This value is part of the primary record key.
A check mark that controls whether or not the Prefix Block date/time fields are to be used.
A check mark means they are available for use. No check mark means they are not available
for use.
Use Prefix Block
Date/Time
The date/time the customer placed the block on the prefix. This information is set from the
Card Block Date and Card Block Time fields in the Sperren refresh detail record.
Prefix Block Date/Time
Timestamp (YYMMDDhhmmss) of the refresh that created this record. This information is
set from the File Creation Date and File Creation Time fields in the Sperren refresh file
header.
Refresh Time Stamp
An indicator of the refresh that created this record.
This field is informational only and is not set by the Sperren file refresh.
Refresh ID
digits and are used in the cards track 2 data. Here are examples of account number
formats
from the PAN data in tracks 2 and 3 of a German card.
Track Data Contents
Track 3 PAN Long BLZ (8) + Account Number (10) + Check Digit
Track 2 PAN Branch Code (3) + Short BLZ (5) + Account # (10) + Check Digit (1)
Long and short BLZs can differ, and as a result, the PAN information can differ for a
card
depending on which track is available in a transaction. In order to maintain a single
PAN-to-card relationship, BASE24-eps always uses the track 2 version of the
account
number. Likewise, BASE24-eps prefix processing is based on using the track 2
version of
the PAN with the branch code and short BLZ as the prefix (and a PAN length of 19).
In processing situations where only the long BLZ is available, BASE24-eps always
attempts
to map the long BLZ to an equivalent branch code and short BLZ combination. So
you
must set up the appropriate mappings for any long BLZ you are to process. For
information
on BLZ mapping, refer to BLZ Mapping on page 224.
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German Routing and Authorization (Regional)
If track 2 is not available and the track 2 mapping is unsuccessful, the BASE24-eps
acquiring
endpoints will move the PAN data from track 3 to the PAN TDE to be used for
specialized
routing.
from either the track 2 data received with the transaction or from the mapping the
track 3
PAN), BASE24-eps will use the 3-digit branch code and 5-digit short BLZ
combination from
the TDE as the prefix for routing the transaction.
If the PAN TDE contains the track 3 PAN data, the system uses specialized routing
based
on the track 3 PAN long BLZ. In this case, the routing prefix used is the fourth digit
(or the
fourth, fifth, and sixth digits) of the track 3 long BLZ. Prefixes must be set up to
handle the
specialized routing.
The BASE24-eps German Prefix component handles the necessary routing
requirements
for processing German cards. The German Prefix component is invoked by German
acquiring endpoint components (instead of the Prefix component) for German-based
card
transactions.
types are not available for configuring routing. Thus, you would need to configure
default
account types, or implement the account types through your authorization scripts.
German-Specific TDEs
The following German-specific TDEs are used to carry transaction data specific to
German
card processing.
TDE Description
Can be set by your scripts to return the number of PIN tries remaining to the transaction-initiating
device. This is in contrast to the number of PIN tries attempted (which is the BASE24-eps
standard for PIN processing).
Bad PIN Counter
Carries the German Track 3 data. It is created by BASE24-eps German acquiring endpoints
whenever the external message contains German track 3 data.
German Authorization
Track 3
Set by German acquiring endpoints to identify German acquiring devices. This TDE can be
used by your authorization scripts to determine whether or not a transaction originated at a
German device. Values of ATMN, ATNC, PSNC, and PSNM denote a German device.
Message Class
Can be set by your authorization scripts to provide the next date a chip card must be authorized
online. This TDE can be set using the Next Online Date Period field in the Prefix data source.
Next Online Date
This TDE has two exported operators: one to set a date offset value (number of days) from the
Prefix data source and one to set a computed next online date.
Can be set by your authorization scripts to provide to an acquiring device the available balance
amount remaining for a card. This TDE is typically used for ATM transactions declined by
Remaining Amount
Available
BASE24-eps due to an overlimit condition or for POS ec-cash with chip transactions approved
by BASE24-eps.
Code TDE.
Network Original
Processing Code
You will also need to set the following values in each of your prefix records.
Field Tab Description
The number of days before a chip transaction will be required to be authorized
on-line. Valid values are 0 through 999. The default value is 30.
During transaction processing, your scripts can use this value to populate the
Next Online Date TDE.
Next Online Date EMV Auth Options
Period
BLZ Mapping
BASE24-eps provides for mapping long BLZs to corresponding 3-digit branch code
and
5-digit short BLZ combinations using the German BLZ Mapping data source
(BLZ_Map).
Each record in the German BLZ Mapping data source represents a single mapping
of one
long BLZ to one branch code and short BLZ combination. Branch code and short
BLZ
combinations are intended to be used as prefixes for German authorization
processing.
The following information is maintained in the German BLZ Mapping data source for
each
German BLZ Mapping record.
Field Description
Long BLZ The 8-digit long Bankleitzahl (BLZ). This value is used as the primary record key.
Branch Code The 3-digit branch code associated with the short BLZ. This field defaults to 672.
Short BLZ The 5-digit short Bankleitzahl (BLZ) associated with the specified branch code.
This diagram shows how the msg_in and msg_out functions would be used between
a
Subsequent Transactions
Once the Acquirer Interface has been instantiated and registered its callback
function, the
Component Factory component is no longer involved until another component is
needed.
The Message Delivery component activates a components functions directly.
The Message Delivery component receives a request message from the message
manager.
The Message Delivery component checks its component registry and finds that the
component that will initially process the request message has registered a callback
function.The Message Delivery component activates the callback (e.g., msg_in)
function
of the Acquirer Interface component.
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Diagram Key
In the diagrams that follow, abbreviations are used for names of the components.
The
abbreviations are as follows:
Abbreviation Component
MD Message Delivery component
CHNL MGR Channel Manager component
ACQ I/F Acquirer Interface component
PRFX Prefix component
RTR Router component
ISS AUT Issuer Authorization component
SC Scripting component
ISS I/F 1 Issuer Interface component
CTXT Context component
TIMR Timer component
ISS I/F 2 Issuer Interface component
JRNL Journal component
The following diagram illustrates the component interactions required to process the
request
and response messages.
1. The Message Delivery component receives a request message from the Message
Manager.
2. The Message Delivery component activates the correct Acquirer Interface
component
using data from the message header and component registration information.
3. The Acquirer Interface component accesses configuration tables, parses the
message,
creates TDEs, and activates the Prefix component.
The Prefix component determines the issuer of the card-based transaction according
to the primary account number (PAN) in the message. The Prefix component also
adds
prefix-level data to the TDE collection.
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4. The Acquirer Interface component activates the Router component to determine
the
primary authorizer.
5. The Router component accesses configuration tables and determines a routing
destination using the Route Type, Acquirer Route Profile, Issuer Route Profile, Route
Code, Account Type 1, Account Type 2, and Authentication Method information.
Routing
destinations may include the Issuer Authorization component and Issuer Interfaces.
In this case, the Router component activates the Issuer Authorization
component.When
the Issuer Authorization component is named as a routing destination, an
Authorization
script-set name must also be provided. The Authorization script-set name identifies
a
group of scripts that may call other scripts for financial requests, authorization
advices,
reversal advices, and others.
6. The Issuer Authorization component selects a financial request script and
activates the
Script component for script execution.
7. After returning from the script, the Issuer Authorization component activates the
Acquirer
Interface component for response processing.
8. The Acquirer Interface determines from the Advice 1 TDE in the transaction that
an
advice is required and activates the Issuer Interface component.
9. The advice message is added to the store and forward (SAF) file.
10. The Acquirer Interface component activates the Journal component for
transaction
logging.
11. The Journal component logs the transaction to the journal.
12. The Acquirer Interface component creates an external response message from
the
Internal Authorization
Request/Response/Reversal
Reversal requests can be sent to the payments engine from an external processor
following
the normal completion of external authorization request and response processing.
Reversal
requests occur when a message is received indicating the acquirer of the original
transaction
reversed a previously approved financial transaction.
The following diagram illustrates the component interactions required to process the
request
and response messages.
1. The Message Delivery component receives a request message from the Message
Manager.
2. The Message Delivery component activates the correct Acquirer Interface
component
using data from the message header and component registration information.
3. The Acquirer Interface component accesses configuration tables, parses the
message,
creates TDEs, and activates the Prefix component.
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The Prefix component determines the issuer of the card-based transaction according
to the primary account number (PAN) in the message. The Prefix component also
adds
prefix-level data to the TDE collection.
4. The Acquirer Interface component activates the Router component to determine
routing.
5. The Router component accesses configuration tables and determines a routing
destination using the Route Type, Acquirer Route Profile, Issuer Route Profile, Route
Code, Account Type 1, Account Type 2, and Authentication Method information.
Routing
destinations may include the Issuer Authorization component and Issuer Interfaces.
In this case, the Router component activates the Issuer Authorization
component.When
the Issuer Authorization component is named as a routing destination, an
Authorization
script-set name must also be provided. The Authorization script-set name identifies
a
group of scripts that may call other scripts for financial requests, authorization
advices,
reversal advices, and others.
6. The Issuer Authorization component selects a financial request script and
activates the
Script component for script execution.
7. After returning from the script, the Issuer Authorization component activates the
Acquirer
Interface component for response processing.
8. The Acquirer Interface component activates the Journal component for transaction
logging.
9. The Journal component logs the transaction to the journal.
10. The Acquirer Interface component creates an external response message from
the
TDEs and activates the Message Delivery component.
11. The Message Delivery component sends the response message to the Message
manager.
12. The Message Delivery component receives a message from Message Manager.
13. The Message Delivery component activates the correct Acquirer Interface
component
using data from the message header and component registration information.
14. The Acquirer Interface component activates the Journal component.
15. The Journal component retrieves the original transaction data from the journal.
16. The Acquirer Interface component activates the Issuer Authorization component.
17. The Issuer Authorization component selects a reversal script and activates the
Script
component for script execution.
18. Upon return from the script, the Issuer Authorization component activates the
Acquirer
Interface component for response processing.
19. The Acquirer Interface component activates the Journal component for
transaction
logging.
20. The Journal component logs the reversal transaction to the journal.
21. The Acquirer Interface component activates the Message Delivery component for
reversal
acknowledgement processing.
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22. The Message Delivery component sends the reversal acknowledgement
message to
the message manager.
Sometime later, based on configuration, the SAF Manager process will invoke the
Interface
Manager component to send the reversal acknowledgement message to the external
processor.
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is saved in a TDE, the Issuer Authorization component is set as the interim acquirer,
and the script execution information is suspended by saving script execution context
in
a TDE for use in later processing prior to the Issuer Interface component being
activated.
8. The Issuer Interface component accesses configuration tables and creates an
external
request message from TDEs and configuration data. It activates the Timer
component
to create an expiration timer and activates the Context component to save the
context
of the transaction (not shown). The Issuer Interface component activates the
Message
Delivery Component.
9. The Message Delivery Component sends the request message to the platformspecific
message manager.
10. The platform-specific message manager sends the message to the specific
issuer
destination.
11. The issuer destination returns the response.
12. The message manager sends the message to the Message Delivery component.
13. The Message Delivery component activates the correct Issuer Interface
component
using data from the message header and component registration information.
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14. The Issuer Interface component activates the Context component to retrieve the
original
transaction data to use (deleting it from the Context data source) and activates the
Timer
component to cancel the expiration timer (not shown). It then activates the Acquirer
Interface component. Since the Issuer Authorization component was defined as the
acquirer, the Issuer Authorization component is activated.
15. The Issuer Authorization component uses a script execution TDE to determine
that
sequential routing is executing and requests the Script component to resume the
script
at the appropriate line of execution. The Script component resumes the script
starting
at the appropriate line of execution.
Steps 715 repeat n times, depending on the number of destinations called.
16. When all processing in the script is complete (including routing to all external
destinations), the Issuer Authorization component activates the original Acquirer
interface
for response processing.
17. The Acquirer Interface component activates the Journal component for
transaction
logging.
18. The Journal component logs the transaction to the journal.
19. The Acquirer Interface component creates an external response message from
the
TDEs and activates the Message Delivery component.
20. The Message Delivery component sends the response message to the message
manager.
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6. The Issuer Interface component activates the Acquirer Interface component for
response
processing.
7. The Acquirer Interface component activates the Journal component for transaction
logging.
8. The Journal component logs the transaction to the journal.
9. The Acquirer Interface component creates an external response message from
TDEs
and configuration data and activates the Message Delivery component.
10. The Message Delivery component sends the response message to the message
manager.
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using data from the message header and component registration information.
3. The Acquirer Interface component accesses configuration tables, parses the
message,
creates TDEs, and activates the Prefix component.
The Prefix component determines the issuer of the card-based transaction according
to the primary account number (PAN) in the message. The Prefix component also
adds
prefix-level data to the TDE collection.
4. The Acquirer Interface component activates the Router component to determine
routing.
5. The Router component activates the Issuer Authorization component.When a
transaction
is to be prescreened, the Issuer Authorization component is named as a routing
destination and an authorization script-set name must also be provided. The
authorization script-set name identifies a group of scripts that may include individual
scripts for prescreening requests, financial requests, authorization advices, reversal
advices, and others.
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6. The Issuer Authorization component selects a prescreen script and activates the
Script
component for script execution.
7. In this case, the prescreen fails, and the Issuer Authorization component activates
the
Acquirer Interface component for response processing.
8. The Acquirer Interface component activates the Journal component for transaction
logging.
9. The Journal component logs the transaction to the journal.
10. The Acquirer Interface component creates an external request message from
TDEs
and configuration data and activates the Message Delivery component.
11. The Message Delivery component sends the response message to the message
manager.
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Context Manager process to retrieve the transaction and delete the transaction
context
from a memory collection.
6. The Issuer Interface component activates the Journal component for transaction
logging.
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7. The Journal component logs the transaction to the journal.
8. The Issuer Interface activates the Router component for rerouting.
9. Router activates the Issuer Authorization component.
10. The Issuer Authorization component selects a financial request script and
activates the
Script component for script execution.
11. Upon returning from the script, the Issuer Authorization component activates the
Acquirer
Interface component for response processing.
12. The Acquirer Interface determines from the Advice 1 TDE in the transaction that
an
advice is required and activates the Issuer Interface component.
13. The advice message is added to the store and forward (SAF) file.
14. The Acquirer Interface component activates the Journal component for
transaction
logging.
15. The Journal component logs the transaction to the journal.
16. The Acquirer Interface component creates an external response message from
the
TDEs and activates the Message Delivery component.
17. The Message Delivery component sends the response message to the message
manager.
Sometime later, based on configuration, the SAF Manager process will invoke the
Interface
Manager component to send the advice message to the external processor.
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The Prefix component determines the issuer of the card-based transaction according
to the primary account number (PAN) in the message. The Prefix component also
adds
prefix-level data to the TDE collection.
4. The Acquirer Interface component activates the Router component to determine
routing.
5. The Router component activates an Issuer Interface component named in the
routing
configuration (e.g., INTFMDS).
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6. The Issuer Interface component accesses the configuration tables for the
interface,
determines the station to the issuer is marked down (and no other stations are
available),
and activates the Router component for routing to an alternate destination.
Note: When an Issuer Interface component is named as a routing destination, an
interface name (e.g., MDS) must also be provided. The interface name identifies the
processing and control configuration using the interface name.
7. Router activates the Issuer Authorization component for stand-in processing.
8. The Issuer Authorization component selects a financial request script and
activates the
Script component for script execution. The Script component executes the script.
9. Upon return from the script, the Issuer Authorization component activates the
Acquirer
Interface component for response processing.
10. The Acquirer Interface determines from the Advice 1 TDE in the transaction that
an
advice is required and activates the Issuer Interface component.
11. The advice message is added to the store and forward (SAF) file.
12. The Acquirer Interface component activates the Journal component for
transaction
logging.
13. The Journal component logs the transaction to the journal.
14. The Acquirer Interface component creates an external response message from
TDEs
and configuration data and activates the Message Delivery component.
15. The Message Delivery component sends the response message to the message
manager.
Sometime later, based on configuration, the SAF Manager process will invoke the
Interface
Manager component to send the advice message to the external processor.
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transaction where the issuer returns a late approval (after the transaction has
already timed
out).
1. The Message Delivery component receives a response message from the
Message
Manager.
2. The Message Delivery component activates the correct Issuer Interface
component
using data from the message header and component registration information.
3. The Issuer Interface component activates the Context component.
4. Since the transaction request timer has already timed-out, a context record will not
be
found.Therefore, the response is considered late. Since the response was an
approved,
financial transaction, it must be reversed.
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5. The Issuer Interface component creates a reversal advice message and adds it to
the
SAF. The late response contains enough information to reverse the transaction.
6. The Issuer Interface component activates the Journal component for transaction
logging.
7. The Journal component logs the reversal transaction to the journal.
8. Later, when SAF processing is initiated by the SAF Manager process, the reversal
advice record is read from the SAF.
9. The Message Delivery component is activated.
10. The Message Delivery component sends the reversal advice message to the
message
manager.
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8 = Network management
0 = Request
1 = Request response
3 Message Function
2 = Advice
3 = Advice response
4 = Notification (not supported by BASE24-eps)
0 = Acquirer
1 = Acquirer repeat
4 Transaction Originator
2 = Card issuer
3 = Card issuer repeat
4 = Other
MTI Classes
The second position of the Message Type Indicator (MTI) identifies the message
class.
Classes categorize messages of a similar kind for purposes of identification and
processing.
The following is a brief description of each of the various message classes supported
by
BASE24-eps. Column one is the corresponding value from the second position of the
MTI.
Value Class Description
Messages associated with an authorization transaction.
An authorization transaction is an approvalwithout a guarantee of
fundsgiven by the card issuer to the acquirer.
1 Authorization
The cardholders account is not impacted by the transaction amount even
if the transaction is approved, and the availability of funds at settlement is
not guaranteed.
Authorization transactions are sometimes referred to as pre-authorization
transactions which are followed up by financial messages or are
non-financial in nature, such as balance inquiries.
Messages associated with a financial transaction.
A financial transaction is an approval or guarantee of funds given by the
card issuer to the acquirer that permits the immediate application of the
approved transaction amount to the cardholders account for billing or
posting.
2 Financial
Messages associated with a file update transaction.
A file update transaction is used to add, change, delete, or replace a file
or record. In addition, file action transactions can be used to inquire into a
file or perform card administration functions, such as reporting lost or stolen
cards.
3 File action
Messages associated with a reversal transaction.
A reversal transaction is initiated by an acquirer to partially or completely
nullify the effects of a previous financial or authorization transaction.
4 Reversal
Reversal transactions use advice or notification message types since the
activity has already occurred and the transaction typically cannot be
declined by the card issuer.
Messages associated with a chargeback transaction.
A chargeback transaction is initiated by a card issuer to partially or
completely nullify a previous financial transaction.
4 Chargeback
Chargeback transactions can be used if the original transaction had financial
impact on the cardholders net position, and the card issuer determines
MTI Functions
The third position of the Message Type Indicator (MTI) identifies the message
function,
which defines for the message class the type of service required by the message.
Transactions, by definition, involve two sides communicating in some manner.
Typically,
one side is asking for something and the other side is answering in some manner. In
some
cases, one side is simply notifying the other that something occurred and may or
may not
require an answer.The ISO 8583:1993 standard defines the protocol for this
communication
by assigning message functions and specifying the situations where they are used.
These
same functions are used by BASE24-eps.
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Primary Transaction Identifiers
Table Key: The Dir column indicates the direction of the message, from-acquirer-toissuer
(A-I) or from-issuer-to-acquirer (I-A). The Define Name column lists the define name
used
for the MTIs by BASE24-eps.
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Primary Transaction Identifiers
MTI Description Dir Define Name
Financial Transaction Request Requests approval for A-I mti_fncl_rqst
a transaction that, if approved, can be immediately applied
1200
to the account of the customer for billing or statement
purposes.
A 1200 message is used when the transaction cannot
complete at the point of service until the response
message is received indicating the action to be taken.
Use of a financial request message does not imply that
the cardholder is present (e.g. telephone or mail order).
A Financial Transaction Request Response (1210)
message is expected in return for the 1200 message,
either approving or denying the request.
Financial Transaction Request Repeat Identical to a A-I mti_fncl_rqst_repeat
Financial Transaction Request (1200) message, except
1201
that it denotes to the receiver that it is a possible duplicate
message.
A 1201 message is used when a response was expected
to a 1200 message but not received.
A Financial Transaction Request Response (1210)
message is expected in return for the 1201 message,
either approving or denying the request.
Financial Transaction Request Response Carries the I-A mti_fncl_rqst_resp
answer to a financial request; sent in response to a 1200
or a 1201 message.
A 1210 message indicates the approval or guarantee of
funds or the action to be taken. An approval impacts the
customer account.
1210
Financial Transaction Advice Advises of a previously A-I mti_fncl_advc
completed financial transaction carried out on behalf of
the card issuer.
An approval impacts the customer account.
1220
A Financial Transaction Advice Response (1230)
message is expected in response for the 1220 message.
Financial Transaction Advice Repeat Identical to a A-I mti_fncl_advc_repeat
Financial Transaction Advice (1220) message, except
1221
that it denotes to the receiver that it is a possible duplicate
message.
A 1221 message is used when a response was expected
to a 1220 message but not received. An approval impacts
the customer account.
A Financial Transaction Advice Response (1230)
message is expected in response for the 1221 message.
Financial Transaction Advice Response Carries the I-A mti_fncl_advc_resp
answer to a financial advice; sent in response to a 1220
or a 1221 message.
A 1230 message indicates whether the card issuer
accepts or rejects the transfer of financial liability.
1230
1325
A File Action Advice Response (1334) message is
expected in response to the 1325 message.
File Action Advice Response Carries the answer to a R-S mti_file_act_advc_resp
file action advice; sent in response to a 1324 or a 1325
message.
1334
Not supported by BASE24-eps. If received at an S-R mti_file_act_ntfy
endpoint, it will either be dropped or handled as a
1344
different message type. File Action Notification Notifies
of a file action.
1722
Issuer Fee Collection Advice Repeat Identical to an I-A mti_iss_fee_advc_repeat
Issuer Fee Collection Advice (1722) message, except
1723
that it denotes to the receiver that it is a possible duplicate
message.
A 1723 message is used when a response was expected
to a 1722 message but not received.
Issuer Fee Collection Advice Response Carries the A-I mti_iss_fee_advc_resp
answer to an issuer fee collection advice; sent in response
to a 1722 or a 1723 message.
1732
Issuer Fee Collection Notification Notifies of a service I-A mti_iss_fee_ntfy
fee due to be collected
1742
Function Codes
Function codes are three-digit codes used to identify the specific purpose of a
message
within its message class. The function code associated with a transaction is carried
in the
Function Code TDE.
401 Partial reversal, transaction did not complete for full amount fnct_rvsl_part
450 First full chargeback fnct_chrgbck_full_1
451 Second full chargeback fnct_chrgbck_full_2
452 Third full chargeback fnct_chrgbck_full_3
453 First partial chargeback fnct_chrgbck_part_1
454 Second partial chargeback fnct_chrgbck_part_2
455 Third partial chargeback fnct_chrgbck_part_3
4018
4019 Reversal timeout at taking card/no cash dispensed mrc_rvsl_timeout_keep
4020 Reversal invalid response, no action taken mrc_rvsl_resp_invld_no_act
4021 Reversal timeout waiting for response mrc_rvsl_timeout_resp
4351 Reversal suspicious reversal mrc_rvsl_mlfnct_suspect_cash
4352 Reversal suspicious reversal amount known mrc_term_excpt_amt_known
4353 Reversal suspicious reversal amount unknown mrc_term_excpt_amt_unknown
4354 Reversal suspicious reversal amount known mrc_cons_excpt_amt_known
4355 Reversal suspicious reversal amount unknown mrc_cons_excpt_amt_unknown
4356 MAC failure mrc_mac_failure
4357 MAC Key Sync Error mrc_mac_key_sync_err
4358 Invalid MAC value mrc_invld_mac_val
4359 Data Encryption error mrc_data_encrpt_err
4360 Data encryption key sync error mrc_data_encrpt_key_sync_err
4361 Data encryption/decryption failed mrc_invld_data_encrpt_val
4362 Reversal cash retained mrc_cash_ret_aft_cons_access
4363 Reversal system malfunction mrc_rvsl_sys_mlfnct
Customer cancelled transaction (e.g., cancelled an mrc_cust_cancel
interactive message flow such as surcharging)
4364
4365 Hardware Security Module (HSM) error mrc_sec_dev_fail
4366 PIN key sync error mrc_pin_key_sync_err
4367 PIN length error mrc_pin_lgth_err
4368 Reversal duplicate transaction mrc_rvsl_dup_txn
4369 Reversal reconciliation error mrc_rvsl_rcncl_err
4370 Invalid merchant mrc_advc_invld_mrch
4506 Reversal chargeback mrc_rvsl_netwk_advc_chrgbck
4500 Chargeback invalid merchant mrc_chrgbck_invld_mrch
4501 Chargeback invalid transaction mrc_chrgbck_invld_txn
4502 Chargeback customer dispute mrc_chrgbck_cust_dspt
4503 Chargeback expired card mrc_chrgbck_exprd_crd
4504 Chargeback transaction not permitted to terminal mrc_chrgbck_txn_not_prmit_to_term
4505 Chargeback security violation mrc_chrgbck_sec_violation
4506 Chargeback system malfunction mrc_chrgbck_sys_malfnct
4507 Chargeback disputed transaction amount mrc_chrgbck_dspt_txm_amt
Position 10 contains a code indicating the ability of the terminal to update the card.
Valid
values are as follows:
Code Description Define Name
0 Unknown crd_data_output_cap_unknwn
1 None crd_data_output_cap_none
Processing Codes
Processing codes are six-digit codes consisting of three separate values used to
identify
the type of transaction: a two-character transaction code, a two-character from
account
type, and a two-character to account type.
The format of the BASE24-eps processing code is xxyyzz, where xx is the
transaction
code, yy is the from account type, and zz is the to account type. Processing codes
are
carried in the Processing Code TDE of the transaction.
are being taken by the transaction; to account type, the type of account to which
funds are
being added by the transaction. From account types are the third and fourth
positions of
the transaction processing code. To account types are the fifth and sixth positions of
the
transaction processing code.
BASE24-eps supports the from and to account values listed in the following table.
Not all
acquirers and issuers support all of the account types listed. Nor do all acquirers and
issuers support all transaction code and account type combinations that could be
included
in a processing code recognizable to BASE24-eps. Refer to the vendor
documentation for
your acquiring and issuing endpoints to determine the processing codes (transaction
code
and account type combinations) supported by the endpoint.
Table Key: The Code column identifies the account type.The Description column
describes
the account type.
Code Description
00 Not specified
10 Savings
20 Checking (DDA)
30 Credit
38 Credit line
40 Universal account
50 Investment account
58 CD
59 IRA
60 Stored Value Reloadable cash card account (transfer value)
67 Stored Value Disposable cash card
90 NOW
9A Commercial loan
9B Installment loan
9C Mortgage loan
9M Other
Action Codes
Action codes are three-digit numeric codes carried in a transaction message that
define
the action taken on the transaction message. In a request-response situation, the
action
code is the answer provided by the responder regarding the request.
In BASE24-eps, action codes are carried in the Action Code TDE and can be set
using
the TDE.ACT_CDE_SET script operator. Action codes that can be displayed on ACI
desktop
windows are defined in the CommonCodeValues.properties file, which can be
modified as
necessary.
BASE24-eps supports the action code values listed here. Action codes are grouped
according to what they are used for.
Table Key: The Code column in the tables identifies the action code. The
Description
column describes the action represented by the action code. The Define Name
column
lists the define name by which the action code is known in BASE24-eps.
Action codes 300-399 are reserved for use with file action messages (MTIs in the
1300
range). Refer to File Action Messages (1300s) on page 269 for information about
these
message types.
Code Description Define Name
300 Successful ac_file_ok
301 Not supported by receiver ac_file_unsup
302 Unable to locate record on file ac_file_rec_not_found
303 Duplicate record, old record replaced ac_file_rec_dup_replace
304 Field edit error ac_file_fld_edit_err
305 File locked out ac_file_lock
306 Not successful ac_file_not_ok
307 Format error ac_file_frmt_err