Smartvista CBS Specification
Short Description
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Description
SMARTVISTA FRONT END
EXTERNAL INTERFACE SPECIFICATION ISO-8583 CORE BANKING SYSTEM (CBS)
28.03.2014 10:45:03
Copyright © 1999-2011 Banking Production Center
Banking Production Center
Contents OVERVIEW ........................................... .................................................................. .............................................. .............................................. .............................................. ....................... 5 CBSCOMMUNICATION PROTOCOL .......................................................... ................................................................................. ............................... ........ 6 CBS ISO-8583 MESSAGE TYPES ......................................... ................................................................ .............................................. .................................. ........... 7 1. 2. 3. 4.
Authorization Messages ............................................................................................................................................. 7 Reversal Messages ..................................................................................................................................................... 8 Administrative Administrative Messages.......................................................... ........................................................... ....................... 8 Network Management Messages ........................................................ ........................................................... ............. 8
CBS ISO – 8583 MESSAGE FLOWS ................................. ........................................................ .............................................. ...................................... ............... 9 1. 2. 3.
Authorization Messages ............................................................................................................................................. 9 Authorization Advice Messages ......................................................... ........................................................... ............. 9 Reversal Messages ..................................................................................................................................................... 9
3.1. Normal processing .............................................. ..................................................................... .............................................. .......................................... ................... 9 3.2. Time-out processing ........................................... .................................................................. .............................................. ........................................ ................. 10 4. 5.
Administrative Administrative Messages.......................................................... ........................................................... ..................... 11 Network Management Messages ........................................................ ........................................................... ........... 11
5.1. Normal processing .............................................. ..................................................................... .............................................. ........................................ ................. 11 5.2. SAF List End processing processing ........................................... .................................................................. .............................................. ................................. .......... 12 DATA FIELDS.......................................................... ................................................................................. .............................................. .............................................. ......................... .. 14 1. 2. 3. 4.
Data Field Attributes ................................................................................................................................................ 14 Data Field Format ........................................................... ........................................................... ............................... 14 Data Field Presence Conditions................................................................................................................................ 15 Data Field Description ............................................................................................................................................. 15
4.1. 4.2. 4.3. 4.4. 4.5. 4.6. 4.7. 4.8. 4.9. 4.10. 4.11. 4.12. 4.13. 4.14. 4.15. 4.16. 4.17. 4.18. 4.19. 4.20.
Field 1: Secondary Secondary Bit-Map....................................... Bit-Map............................................................... ............................................... ................................ ......... 15 Field 2: Primary Account Number Number ................................ ....................................................... .............................................. ............................. ...... 15 Field 3: Processing Code ........................................... ................................................................... ............................................... ................................ ......... 16 Field 4: Amount, Transaction ............................................ ................................................................... .............................................. ......................... .. 18 Field 5: Amount, Account Account ............................................. .................................................................... .............................................. ............................. ...... 18 Field 6: Amount, Cardholder Billing............................................. .................................................................... .................................... ............. 18 Field 9: Conversion Rate, Cardholder Cardholder Billing .............................................. ................................................................... ..................... 19 Field 10: Conversion Conversion Rate, Account ............................................. .................................................................... .................................... ............. 19 Field 11: Systems Systems Trace Audit Audit Number ........................................... ................................................................... ................................. ......... 19 Field 12: Time, Local Transaction ............................................ ................................................................... ........................................ ................. 20 Field 14: Date, Expiration ................................................................ ........................................................................................ ................................. ......... 20 20 Field 15: Settlement Date ............................... ...................................................... .............................................. ............................................ ..................... 20 Field 18: Merchant Type ........................................................... .................................................................................. ........................................ ................. 21 Field 22: Point of Service Date Code ............................................ ................................................................... .................................... ............. 21 Field 24: Function Code ................................................ ....................................................................... .............................................. ............................. ...... 23 Field 32: Acquiring Institution Identification Code .................................................... .......................................................... ...... 23 Field 37: Retrieval Reference Number ............................................. .................................................................... ................................. .......... 24 Field 38: Authorisation Identification Response .............................................. ............................................................... ................. 24 Field 39: Response Code ........................................ ............................................................... .............................................. .................................... ............. 25 Field 41: Card Acceptor Terminal Identification ............................. ..................................................... ................................. ......... 27
SmartVista Front-End
ISO-8583 CBS INTERFACE 2
Banking Production Center
Contents OVERVIEW ........................................... .................................................................. .............................................. .............................................. .............................................. ....................... 5 CBSCOMMUNICATION PROTOCOL .......................................................... ................................................................................. ............................... ........ 6 CBS ISO-8583 MESSAGE TYPES ......................................... ................................................................ .............................................. .................................. ........... 7 1. 2. 3. 4.
Authorization Messages ............................................................................................................................................. 7 Reversal Messages ..................................................................................................................................................... 8 Administrative Administrative Messages.......................................................... ........................................................... ....................... 8 Network Management Messages ........................................................ ........................................................... ............. 8
CBS ISO – 8583 MESSAGE FLOWS ................................. ........................................................ .............................................. ...................................... ............... 9 1. 2. 3.
Authorization Messages ............................................................................................................................................. 9 Authorization Advice Messages ......................................................... ........................................................... ............. 9 Reversal Messages ..................................................................................................................................................... 9
3.1. Normal processing .............................................. ..................................................................... .............................................. .......................................... ................... 9 3.2. Time-out processing ........................................... .................................................................. .............................................. ........................................ ................. 10 4. 5.
Administrative Administrative Messages.......................................................... ........................................................... ..................... 11 Network Management Messages ........................................................ ........................................................... ........... 11
5.1. Normal processing .............................................. ..................................................................... .............................................. ........................................ ................. 11 5.2. SAF List End processing processing ........................................... .................................................................. .............................................. ................................. .......... 12 DATA FIELDS.......................................................... ................................................................................. .............................................. .............................................. ......................... .. 14 1. 2. 3. 4.
Data Field Attributes ................................................................................................................................................ 14 Data Field Format ........................................................... ........................................................... ............................... 14 Data Field Presence Conditions................................................................................................................................ 15 Data Field Description ............................................................................................................................................. 15
4.1. 4.2. 4.3. 4.4. 4.5. 4.6. 4.7. 4.8. 4.9. 4.10. 4.11. 4.12. 4.13. 4.14. 4.15. 4.16. 4.17. 4.18. 4.19. 4.20.
Field 1: Secondary Secondary Bit-Map....................................... Bit-Map............................................................... ............................................... ................................ ......... 15 Field 2: Primary Account Number Number ................................ ....................................................... .............................................. ............................. ...... 15 Field 3: Processing Code ........................................... ................................................................... ............................................... ................................ ......... 16 Field 4: Amount, Transaction ............................................ ................................................................... .............................................. ......................... .. 18 Field 5: Amount, Account Account ............................................. .................................................................... .............................................. ............................. ...... 18 Field 6: Amount, Cardholder Billing............................................. .................................................................... .................................... ............. 18 Field 9: Conversion Rate, Cardholder Cardholder Billing .............................................. ................................................................... ..................... 19 Field 10: Conversion Conversion Rate, Account ............................................. .................................................................... .................................... ............. 19 Field 11: Systems Systems Trace Audit Audit Number ........................................... ................................................................... ................................. ......... 19 Field 12: Time, Local Transaction ............................................ ................................................................... ........................................ ................. 20 Field 14: Date, Expiration ................................................................ ........................................................................................ ................................. ......... 20 20 Field 15: Settlement Date ............................... ...................................................... .............................................. ............................................ ..................... 20 Field 18: Merchant Type ........................................................... .................................................................................. ........................................ ................. 21 Field 22: Point of Service Date Code ............................................ ................................................................... .................................... ............. 21 Field 24: Function Code ................................................ ....................................................................... .............................................. ............................. ...... 23 Field 32: Acquiring Institution Identification Code .................................................... .......................................................... ...... 23 Field 37: Retrieval Reference Number ............................................. .................................................................... ................................. .......... 24 Field 38: Authorisation Identification Response .............................................. ............................................................... ................. 24 Field 39: Response Code ........................................ ............................................................... .............................................. .................................... ............. 25 Field 41: Card Acceptor Terminal Identification ............................. ..................................................... ................................. ......... 27
SmartVista Front-End
ISO-8583 CBS INTERFACE 2
Banking Production Center 4.21. 4.22. 4.23. 4.24. 4.25. 4.26. 4.27. 4.28. 4.29. 4.30. 4.31. 4.32. 4.33. 4.34. 4.35. 4.36.
Field 43: Card Acceptor Name and Location ........................................... .................................................................. ......................... .. 27 Field 48: Additional Data ............................... ...................................................... .............................................. ............................................ ..................... 28 Field 49: Currency Code, Transaction............................................... ...................................................................... ................................ ......... 28 Field 50: Currency Code, Account ............................................ ................................................................... ........................................ ................. 28 Field 51: Currency Code, Cardholder Billing ........................................... .................................................................. ......................... .. 29 Field 54: Additional Amounts ........................................... .................................................................. .............................................. ......................... .. 29 Field 61: Additional Amounts and Counters ............................................ ................................................................... ......................... .. 33 Field 62: Mini-statement data............................................ ................................................................... .............................................. ......................... .. 34 Field 63: Account Balance ........................................................ ............................................................................... ........................................ ................. 35 Field 64: Primary MAC Data ............................................ ................................................................... .............................................. ......................... .. 35 Field 91: Action Code ............................................ ................................................................... .............................................. .................................... ............. 35 Field 95: Replacement Replacement Amounts ........................................... .................................................................. ............................................ ..................... 36 Field 100: SVFE Issuer Institution Identifier ....................................... .............................................................. ............................. ...... 37 Field 102: Account Identification .............................................. ..................................................................... ........................................ ................. 37 37 Field 103: Account Identification – 2 ............................................ ................................................................... .................................... ............. 37 Field 128: Secondary MAC Data ..................................................... ............................................................................ ................................. .......... 37 37
MESSAGE FORMATS ............................................ ................................................................... .............................................. .............................................. ......................... .. 40 1.
Authorization Message ................................................... ........................................................... ............................... 40
1.1. Request ............................................ ................................................................... .............................................. .............................................. .................................... ............. 40 1.2. Response............................................. .................................................................... ............................................... ............................................... ................................ ......... 41 2.
Authorization Advice Messages ......................................................... ........................................................... ........... 42
2.1. Request ............................................ ................................................................... .............................................. .............................................. .................................... ............. 42 2.2. Response............................................. .................................................................... ............................................... ............................................... ................................ ......... 44 3.
Reversal Messages ................................................................................................................................................... 45
3.1. Request ............................................ ................................................................... .............................................. .............................................. .................................... ............. 45 3.2. Response............................................. .................................................................... ............................................... ............................................... ................................ ......... 46 4.
Administrative Administrative Messages.......................................................... ........................................................... ..................... 47
4.1. Request ............................................ ................................................................... .............................................. .............................................. .................................... ............. 47 4.2. Response............................................. .................................................................... ............................................... ............................................... ................................ ......... 47 5.
Network Management Messages ........................................................ ........................................................... ........... 48
5.1. Request ............................................ ................................................................... .............................................. .............................................. .................................... ............. 48 5.2. Response............................................. .................................................................... ............................................... ............................................... ................................ ......... 48 MESSAGE MATCHING ............................................. .................................................................... .............................................. ............................................ ..................... 49 1. 2.
Message Matching Data Fields................................................................................................................................. 49 Search of original request for responses ....................................................... ........................................................... . 49
APPENDIX A (FIELD 48) ........................................... .................................................................. .............................................. ............................................ ..................... 50 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12.
Structure Field 48 ..................................................................................................................................................... 50 Structure Tags of Data Field 48 ............................................................................................................................... 50 Tag 001 –Settlement type ......................................................... ........................................................... ..................... 50 Tag 002 – SVFE Transaction Type .......................................................................................................................... 50 Tag 004 – Full Name...................................................... ........................................................... ............................... 50 Tag 005 – Credit Type ............................................................................................................................................. 51 Tag 006 – Credit Issue Date ..................................................................................................................................... 51 Tag 007 – Credit Issue Interval ................................................................................................................................ 51 Tag 008 – Credit End Date ....................................................... ........................................................... ..................... 51 Tag 009 – Credit Enable Date .................................................. ........................................................... ..................... 51 Tag 010 – Service Identifier ..................................................................................................................................... 52 Tag 011 – Service Data ............................................................................................................................................ 52
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ISO-8583 CBS INTERFACE 3
Banking Production Center 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25.
Tag 012 – Prepaid Card Type .................................................................................................................................. 52 Tag 013 – Contract ID.................................................... ........................................................... ............................... 52 Tag 014 – Address Verification Data ........................................................... ........................................................... . 52 Tag 015 – Postal Code Data ..................................................................................................................................... 52 Tag 016 – Installment Payment Quantity ...................................................................................................... ........... 53 Tag 017 – Text Information Data ....................................................... ........................................................... ........... 53 Tag 018 – Card status ..................................................... ........................................................... ............................... 53 Tag 019 – Account status ......................................................................................................................................... 54 Tag 020 – External code for operation ......................................................... ........................................................... . 54 Tag 021 – Customer external account number ....................................................... .................................................. 54 Tag 022 – Customer mobile phone number ............................................................................................................. 54 Tag 023 – Account Type .......................................................................................................................................... 55 Tag 090-099 – Payment specific data ...................................................................................................................... 55
APPENDIX B (FIELD 54)............................................................................................................... 56 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.
Structure Field 54 ..................................................................................................................................................... 56 Structure Tags of Data Field 54 ............................................................................................................................... 56 Tag 001 – Acquirer Fee Amount ........................................................ ........................................................... ........... 56 Tag 002 – Transaction Amount, Transaction Currency........................................................................................... . 56 Tag 003 – Transaction Currency .............................................................................................................................. 57 Tag 004 – Amount, Credit Initial ............................................................................................................................. 57 Tag 005 – Amount, Total Credit .............................................................................................................................. 57 Tag 006 – Issuer Fee Amount and Currency .......................................................... .................................................. 57 Tag 007 – Current Account Available Balance and Currency................................................... ............................... 58 Tag 008 – Amount, Exceed Limit ............................................................................. Error! Bookmark not defined. Tag 009 – Amount, Available Exceed Limit .......................................................... .................................................. 58
APPENDIX C (FIELD 61) .............................................................................................................. 59 1. 2. 3. 4. 5.
Structure Field 61 ..................................................................................................................................................... 59 Structure Tags of Data Field 61 ............................................................................................................................... 59 Tag 001 – Cash-In Counters..................................................... ........................................................... ..................... 59 Tag 002 – Recycling Counters ................................................................................................................................. 59 Tag 003 – Recycling Cash-Out Counters ..................................................... ........................................................... . 59
APPENDIX D (FIELD 95) .............................................................................................................. 60 1. 2. 3. 4. 5. 6. 7. 8.
Structure Field 95 ..................................................................................................................................................... 60 Structure Tags of Data Field 95 ............................................................................................................................... 60 Tag 001 – Transaction Amount, Transaction Currency........................................................................................... . 60 Tag 002 – Transaction Amount, Account Currency ......................................................... ........................................ 60 Tag 003 – Transaction Amount, Cardholder Billing Currency ................................................................................ 60 Tag 006 – Transaction Currency .............................................................................................................................. 60 Tag 007 – Account Currency ................................................................................................................................... 61 Tag 008 – Cardholder Billing Currency ....................................................... ........................................................... . 61
LIST OF REVISIONS ..................................................................................................................... 62
SmartVista Front-End
ISO-8583 CBS INTERFACE 4
Banking Production Center
OVERVIEW This document describes specifications for the SmartVista Front – End (SVFE) Core Banking System (CBS) external message protocol. The protocol can be used to provide authorization and information services to card processing hosts or transaction concentrators. The current software releases are implementing an external message based on the International Organization for Standardization (ISO) 8583-2:1993 standard. The message specifications in this manual are applicable to the ISO-based external message only.
SmartVista Front-End
ISO-8583 CBS INTERFACE 5
Banking Production Center
CBSCOMMUNICATION PROTOCOL CBS Interface supports the TCP/IP transport protocol. TCP/IP is a point to point communication protocol with a delivery guarantee and data sequence guarantee. The connection party, which initiates a connection, is a TCP/IP client. The connection party, which accepts the connection, is a TCP/IP server. TCP/IP client establishes connection identifying а target application with an IP address of the host and a port number within that host. If the connection is dropped by any reason it should be re-established by the client application. SVFE host can act in a TCP/IP connection as a client or as a server depending on the host configuration. For data transmission TCP/IP uses sessions. Each session is a bi-directional data stream. SVFE protocol uses a single TCP/IP session to transfer data between hosts in both directions. The continuous TCP/IP data stream is split into frames. Each ISO – 8583 message is sent in a separate frame. A Frame consists of a 2-byte length header and a message body. The header contains the length of the following message. The high byte of value is transmitted first, and the low byte of value is transmitted second. 2 bytes Message Length = N
N bytes ISO – 8583 Message
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ISO-8583 CBS INTERFACE 6
Banking Production Center
CBS ISO-8583 MESSAGE TYPES Message Class: Authorization 1100 Authorization Request 1110 Authorization Response 1120 Authorization Advice 1130 Authorization Advice Response Message Class: Reversal 1420 Reversal Advice 1430 Reversal Advice Response Message Class: Administrative 1600 Administrative Request 1610 Administrative Response Message Class: Network Management 1804 Network Management Request 1814 Network Management Response
1.
Authorization Messages
1100 – Authorization Request Message Type: 1100 Description: Authorization Request (1100) message requests approval authorization or guarantee for the transaction to proceed. Authorization Response (1110) is expected in return for 1100 message, either approving or denying the request. 1110 – Authorization Response Message Type: 1110 Description: Authorization Request Response (1110) is returned in response to Authorization Request (1100) to approve or deny the request. 1120 – Authorization Advice Message Type: 1120 Description: Authorization Advice (1120) advises CBS of a previously completed at SVFE (StandIn processing) transaction. Format and contents of fields at 1120 message are the same as at 1100 message. Each 1120 message must be acknowledged with 1130 message. 1130 – Authorization Advice Response Message Type: 1130 Description: Authorization Advice Response (1130) is used to acknowledge the receipt of 1120 message. Format and contents of fields at 1130 message are the same as at 1110 message.
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ISO-8583 CBS INTERFACE 7
Banking Production Center
2.
Reversal Messages
1420 – Reversal Advice Request Message Type: 1420 Description: Reversal Advice Request (1420) is advice to cancel part or all of a previously approved transaction. Reversal Advice Response (1430) is expected in return for 1420 message, either approving the request. 1421 – Reversal Advice Repeat Message Type: 1421 Description: Authorization Request Repeat (1421) is identical to 1420 message, except that it denotes to the receiver that it is a possible duplicate message. Format and contents of fields at 1421message are the same as at 1420 message. This message is used when an expected acknowledgement to 1420 message was not received. 1430 – Reversal Response Message Type: 1430 Description: Reversal Response (1430) is used to acknowledge the receipt of 1420 message.
3.
Administrative Messages
1600 – Administrative Request Message Type: 1600 Description: Administrative Request (1600) is used to Reset ATM Counters. Administrative Response (1610) is expected in return for 1600 message, either approving or denying the request. 1610- Administrative Response Message Type: 1610 Description: Administrative Transaction Response (1610) is used to acknowledge the receipt of 1600
4.
Network Management Messages
1804 – Network Management Request Message Type: 1804 Description: Network Management Request (1804) message is used to perform echo tests. 1804 message always requires 1814 message in response. 1814 – Network Management Response Message Type: 1814 Description: Network Management Response (1814) message is returned in response to Network Management Request (1804) message.
SmartVista Front-End
ISO-8583 CBS INTERFACE 8
Banking Production Center
CBS ISO – 8583 MESSAGE FLOWS 1.
Authorization Messages
sd Auth SVFE
CBS
1100()
1110()
2.
Authorization Advice Messages
Message 1121 is sent when there is no response to message 1120. Message 1121 is sent not more than three times. Message 1121 is sent 60 seconds after sending message 112X, for which a response has not been received. sd Auth Advi ce SVFE
CBS
1120()
1130()
1121()
1130()
3.
Reversal Messages
3.1. Normal processing
SmartVista Front-End
ISO-8583 CBS INTERFACE 9
Banking Production Center SVFE sends 1420/1421 messages in case a request for authorization cancellation has been received from terminal devices and payment networks, or in case of authorization cancellation in SVFE system in stand-in mode. Message 1420 is sent 5 seconds after sending the message 1100, for which there was no response. Message 1421 is sent 60 seconds after sending the message 142X, for which there was no response. Message 1421 is sent not more than three times. If after sending the last message 1421 there was still no response, the authorization request, for which there was no response, is considered to be processed in stand-in mode. sd Reversal SVFE
CBS
1420()
1430()
1421()
1430()
3.2. Time-out processing SVFE sends 1420/1421 messages in case the SVFE does not receive a response to 1100 message. Message 1421 is sent in case the response to message 1420 is not received.
SmartVista Front-End
ISO-8583 CBS INTERFACE 10
Banking Production Center sd Reversal SVFE
CBS
1420()
1430()
1420()
1430()
1421()
1430()
4.
Administrative Messages
sd Administrativ e SVFE
CBS
1600()
1610()
5.
Network Management Messages
5.1. Normal processing The SVFE system periodically sends a message 1804 with a query of type 831 – “Test of connection”. A repeated message 1804 is sent 60 seconds after sending the message 1804, for which there was no response. In case there is no response to message 1804, the message 1804 is repeated not more than three times. If after the last message 1804 there was no response, or if there was a response message 1814 with response code other than “000”, the SVFE system will send to CBS a message 1804 of query type 802 – “Sign Off” and starts to process authorization requests in stand-in mode.
SmartVista Front-End
ISO-8583 CBS INTERFACE 11
Banking Production Center sd Network Management SV-CBS SVFE
CBS
1804()
1804()
1814()
sd Network Management CBS-SV CBS
SVFE
1804()
1804()
1814()
5.2. SAF List End processing SAF List End message is used when required notification of CBS about finishing of the Stand-In processed transactions. In case of logical connection between SVFE and CBS lost SVFE could process transaction in StandIn mode. After the connection is established the SVFE upload all transactions as advices. When all transactions are uploaded SVFE sends SAF List End message to inform CBS all the transactions were uploaded.
SmartVista Front-End
ISO-8583 CBS INTERFACE 12
Banking Production Center sd SAF List End CBS
SVFE
Connection Lost Stand-In processing()
Stand-In processing() 1804(Test of connection)
1814()
1804(Sign-On)
1814()
1120()
1130()
1120()
1130(Last transaction )
1804(SAF List End)
1814()
SmartVista Front-End
ISO-8583 CBS INTERFACE 13
Banking Production Center
DATA FIELDS 1.
Data Field Attributes
Table 1. Data Field Attributes a
Alphabetic characters only.
N
Numeric digits only.
S
Special characters
an
Alphabetic and numeric characters only.
As
Alphabetic and special characters
ns
Numeric digits and special characters
ans
Alphabetic, numeric, and special characters.
4
Fixed length of 4 characters.
…16
Variable length up to a maximum of 16 characters. All variable length fields will also contain two or three positions at the beginning of the field to identify the number of positions following to the end of that field
b
Binary representation of data.
Bit – Map
8 bytes (64 bits) in binary format. Each bit signifies the presence (1) or the absence (0) in the message of the data field associated with that particular bit
x
“C” for credit, “D” for debit and shall always be associated with a numeric amount data field, i.e., x+n 16 in amount, net reconciliation means prefix “C” or “D” and 16 digits of amount, net reconciliation
2.
Data Field Format
Table 2. Data Field Format MM
Month
DD
Day
YY
Year
hh
Hour
mm
Minute
SS
Second
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ISO-8583 CBS INTERFACE 14
Banking Production Center LL
Length of variable data field that follows, from 01-99. The variable length subelement is two numeric characters.
LLL
Length of variable data field that follows, from 001-999. The variable length subelement is three numeric characters.
VAR
Variable length data field.
3.
Data Field Presence Conditions
C – Conditional. Field/value is present in the message under certain conditions, which are explained in Data Field Description. M – Mandatory. Field/value must be present in the message. O – Optional. Field/value presence in the message is up to the message initiator or the responder.
4.
Data Field Description
4.1. Field 1: Secondary Bit-Map 4.1.1. Format Bit-Map
4.1.2. Description This field is a bit map indicating the presence or absence of fields in the secondary portion of the message, bits 65-128. This field should only be present if there is at least one field from the secondary range in the message.
4.2. Field 2: Primary Account Number 4.2.1. Format llvar n.. 24
4.2.2. Description This field contains the cardholder’s card number.
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ISO-8583 CBS INTERFACE 15
Banking Production Center This field is also used to match a response message with its original message.
4.3. Field 3: Processing Code 4.3.1. Format n6
4.3.2. Description The processing code is a series of three two-byte codes. The first two bytes (bytes 1 and 2) indicate the type of transaction. See the following table for valid values. Transaction Code 00 00 01 01 03 11 16 17 17 17 18 18 18 19 19 20 20 20 21 21 21 21 21 22 26 27 28
SVFE Transaction Type 774 680 700 777 740 781 596 612 670 659 736 677 671 737 678 775 681 669 585 618 705 712 711 750 570 760 698
TRANSACTION DESCRIPTION POS Purchase /P2P Debit/Utility Payment E-POS Purchase ATM Cash withdrawal POS Cash Advance Check guarantee transaction P2P Debit Installment Purchase BN Bill Payment Manual Cash withdrawal Debit account with presentment POS Pre-authorisation E-POS Pre-authorisation Manual Purchase POS Completion E-POS Completion POS Return or Refund E-POS Return or Refund Manual Refund Completion Cash Deposit Account ATM Cash Deposit Deposit POS Cash Deposit E-POS Cash Deposit Credit Adjustment Service Reimbursement Credit account with presentment Credit Payment
SmartVista Front-End
ISO-8583 CBS INTERFACE 16
Banking Production Center Transaction Code 29 31 31 31 31 37 38 39 40 44 50 50 50 50 50 51 52 58 91 91 91 91 92 92 93 93 93 94
SVFE Transaction Type 785 702 784 757 676 684 796 704 703 613 530 692 508 510 893 588 471 707 493 644 672 782 797 798 603 751 753 474
TRANSACTION DESCRIPTION P2P Credit Balance Inquiry POS Balance Inquiry Balance Inquiry on Screen E-POS Balance Inquiry Advanced Repayment Information Account Verification Mini-Statement Funds Transfer ATM BN IBFT Transfer to external account Transfer to foreign account Utility Payment Predefined Payment Predefined Service Payment Full Advanced Repayment Prepaid Card Payment from Envelope Block Card Activate Card Change Card Status Validate Card Service On Service Off Forced PIN Change PIN Change New PIN Reentry Change Account Status
The second and third two bytes (bytes 3 and 4, and bytes 5 and 6) indicate the account 1 and account 2 type, respectively . See the following table for valid values. ACCOUNT TYPE 0X 1X 2X 3X 4X 5X 6X 7X
ACCOUNT DESCRIPTION Default (unspecified) account Savings account Checking account Credit account Others Account Loans Account Envelope Account Escrow Account
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ISO-8583 CBS INTERFACE 17
Banking Production Center ACCOUNT TYPE 8X 9X
ACCOUNT DESCRIPTION Money Market Account Loyalty Account
The second byte in each pair (i.e. byte 4 and 6) indicates an order of account that is used in transaction in the list of card accounts with the same type. Valid values are 0-8.
4.4. Field 4: Amount, Transaction 4.4.1. Format n 12 4.4.2.
Description
Funds requested by the cardholder in the local currency of the acquirer or source location of the transaction, exclusive of amounts, fees. In the 1100 balance inquiry request, this field will contain zeroes. In the 1110 balance inquiry response, this field will contain the account balance or zeroes if account balance is negative.
4.5. Field 5: Amount, Account 4.5.1. Format n 12 4.5.2.
Description
Amount in cardholder account currency, including fees. In requests field contains transaction amount, in responses – the actual account balance.
4.6. Field 6: Amount, Cardholder Billing 4.6.1. Format n 12
4.6.2. Description
SmartVista Front-End
ISO-8583 CBS INTERFACE 18
Banking Production Center This field contains the transaction amount (Field 4), converted to the currency used to bill the cardholder’s account. The conversion rate is in Field 10. No decimal point appears in this field; the decimal place is implied based on the currency. If it is present, the following fields are also required: “Field 10: Conversion Rate, Cardholder Billing”.
4.7. Field 9: Conversion Rate, Cardholder Billing 4.7.1. Format n8
4.7.2. Description This field contains the rate used to convert the transaction amount (Field 4) to the cardholder billing amount (Field 6). The Field 4 amount multiplied by this rate equals the Field 6 amount. The left-most digit denotes the number of positions the decimal separator shall be moved from the right (allowable values are 0 to 7). Positions 2–8 of the field are the actual rate. For example: 69985022 = 9.985022.
4.8. Field 10: Conversion Rate, Account 4.8.1. Format n8
4.8.2. Description This field contains the rate used to convert the Cardholder Billing amount (Field 6) to the Cardholder Account amount (Field 4). The left-most digit denotes the number of positions the decimal separator shall be moved from the right (allowable values are 0 to 7). Positions 2–8 of the field are the actual rate. For example: 69985022 = 9.985022.
4.9. Field 11: Systems Trace Audit Number 4.9.1. Format n6
SmartVista Front-End
ISO-8583 CBS INTERFACE 19
Banking Production Center
4.9.2. Description A number assigned by a transaction originator to assist in identifying a transaction uniquely. The trace number remains unchanged for all messages within the transaction. This field is also used to match a response message with its original message.
4.10. Field 12: Time, Local Transaction 4.10.1.Format n 12 YYMMDDhhmmss
4.10.2.Description The local year, month, day, and time the transaction takes place at the card acceptor location in authorization and financial messages. This field is also used to match a response message with its original message.
4.11. Field 14: Date, Expiration 4.11.1.Format n4 YYMM
4.11.2.Description The year and month that the card will become expired.
4.12. Field 15: Settlement Date 4.12.1.Format n6 YYMMDD
4.12.2.Description
SmartVista Front-End
ISO-8583 CBS INTERFACE 20
Banking Production Center Field contains the SmartVista Front-End Acquirer settlement date.
4.13. Field 18: Merchant Type 4.13.1.Format n4
4.13.2.Description A code describing the merchant’s type of business product or service. See ISO-8583 standard documentation for the list of valid categories.
4.14. Field 22: Point of Service Date Code 4.14.1.Format ans 12
4.14.2.Description A series of codes intended to identify terminal capability, terminal environment and presentation security data. It shall be used to indicate specific conditions that are (or were) present at the time a transaction took place at the point of service and/or when the transaction has been initiated. See the following table for valid values. Position 1
2
Position Description Card data input capability
Card-older aut-entication capability
Valid Values 0 – Unknown 1 – Manual 2 – Magnetic stripe reader 3 – Bar code reader 4 – OCR reader – !M" co#patible $CC reader % – &ey entry ' – Magnetic stripe reader and key entry ( – Magnetic stripe reader) key entry and !M" co#patible $CC reader *+ , – Contactless read 0 – .o electronic aut-entication 1 – /$. 2 – !lectronic signature analysis 3 – Bio#etrics 4 – Biograp-ic – !lectronic aut-entication % – Ot-er
SmartVista Front-End
ISO-8583 CBS INTERFACE 21
Banking Production Center Position
Position Description
3
Card capability
capture
4
Operating eniron#ent
Card-older indicator
%
Card presence
'
Card data input #ode
(
Card-older aut-entication #et-od
,
Card-older aut-entication entity
presence
Valid Values 0 – .one 1 – Capture 0 – no ter#inal used 1 – on pre#ises o card acceptor) attended 2 – on pre#ises o card acceptor) untended 3 – O pre#ises o card acceptor) attended 4 – O pre#ises o card acceptor) unattended – On pre#ises o card card-older) unattended , – On pre#ises o card card-older) attended 0 – /resent 1 – .ot present) unspeciied 2 – .ot present) #ail order 3 – .ot present) telep-one order 4 – .ot present) standing order recurring pay#ent – .ot present) electronic order – .ot present) postponed pay#ent 0 – .ot present 1 – /resent 0 – Unspeciied 1 – Manual) no ter#inal 2 – Magnetic stripe read 3 – B5R read 4 – OCR read – $CC read % – &ey entered ' – Contactless $CC read ( – Contactless #agnetic stripe read , – Contactless read – !6co##erce) #erc-ant certiicate only 7 – !6co##erce) #erc-ant and card-older certiicate + 368 ecure transaction U – !6co##erce) no security " – !6co##erce) c-annel encryption e ncryption 0 – .o aut-entication 1 – /$. 2 – !lectronic signature analysis 3 – Bio#etrics 4 – Biograp-ic – Manual signature % – Ot-er #anual aut-entication 7 – !6co##erce) UC59 + 38 aut-entication is not supported by #erc-ant U – !6co##erce) UC59 + 38 aut-entication is supported by #erc-ant but is not proided by issuer " – !6co##erce) UC59 + 38 aut-entication is supported by #erc-ant and is proided by issuer 0 – .ot aut-enticated 1 – $CC 3 – 5ut-ori:ing agent) online /$. 4 – Merc-ant+card acceptor) signature – Ot-er – Merc-ant suspicious
SmartVista Front-End
ISO-8583 CBS INTERFACE 22
Banking Production Center Position
Position Description
10
Card data capability
output
11
7er#inal capability
output
12
/$. capture capability
Valid Values 0 – Unknown 1 – .one 2 – Magnetic stripe write 3 – $CC 0 – Unknown 1 – .one 2 – /rinting capability only 3 – 8isplay capability only 4 – /rinting and display capability 0 – .o /$. capture capability 1 – Unknown 4 – /$. capture capability 4 c-aracters #a;i#u# – /$. capture capability c-aracters #a;i#u# % – /$. capture capability % c-aracters #a;i#u# ' – /$. capture capability ' c-aracters #a;i#u# ( – /$. capture capability ( c-aracters #a;i#u# , – /$. capture capability , c-aracters #a;i#u# 5 – /$. capture capability 10 c-aracters #a;i#u# B – /$. capture capability 11 c-aracters #a;i#u# C – /$. capture capability 12 c-aracters #a;i#u#
4.15. Field 24: Function Code 4.15.1.Format n3
4.15.2.Description Code indicating the specific purpose of the message within its message class. class. See the following table for valid values. FUNCTION CODE 801 802 831 841
DESCRIPTION Sign-On Sign-Off Echo-test SAF list end
MESSAGE TYPE 1804 1804 1804 1804
4.16. Field 32: Acquiring Institution Identification Code 4.16.1.Format llvar n.. 11
SmartVista Front-End
ISO-8583 CBS INTERFACE 23
Banking Production Center
4.16.2.Description This code identifies the financial institution acting as the acquirer of this cardholder transaction. The acquirer is a member or system user that installed the terminal. The ID can be a Visa BIN, a MasterCard BIN, or another code that identifies the financial institution or branch within SmartVista Front-End. BINs are usually six digits, but the code may be up to 11 digits long. The value length specifies the number of digits in i n the ID code.
4.17. Field 37: Retrieval Reference Number 4.17.1.Format an 12
4.17.2.Description A reference supplied by the system retaining the original source information and used to assist in locating that information or a copy thereof. If no reply was received to the original transaction Field 037 must still be present, but it should contain a string of spaces.
4.18. Field 38: Authorisation Identification Response 4.18.1.Format ans 6
4.18.2.Description An authorization code provided by the CBS when a transaction is approved, or a no-reason-todecline code provided for successful verifications. Value of field 38 is based on value of field 37. In the C program shown below the input parameter “u” of function “auth” is value of Field 37, and output parameter parameter “a” is value of of field 38. #include #include #include char *voc[6]={
SmartVista Front-End
ISO-8583 CBS INTERFACE 24
Banking Production Center "123456789", "0123456789ABCEFHKMNRSTUVWXYZ", "0123456789ABCEFHKMNRSTUVWXYZ", "0123456789", "0123456789ABCEFHKMNRSTUVWXYZ", "0123456789ABCEFHKMNRSTUVWXYZ" }; void auth(long u, char *a) { int i,l; for (i=0; i
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