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Open Solutions Inc. ® 455 Winding Brook Drive Glastonbury, CT 06033-4335 860.652.3155 860.652.3156 fax www.opensolutions.com Page 1 of 25 NFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview: This app serves as an interface requirement for a system that wish to send a card transaction to Issuer via ISO Bridge (ISO listener). The interface supports Balance Inquiry, ATM Withdrawals and POS Purchases. This app helps Financial Institution to provide an interface between the DNA Core and Acquirer based on the ISO 8583 messages request and processing them using the new / available Core APIs by converting the ISO 8583 requests into Core API XML and providing the response using the XML through an ISO 8583 format. Note: This application is designed to work with ISO Listener, a third-party executable which works as the bridge between Card Issuer and system which is performing a card transaction. This application launches the ISO Listener and monitors the incoming and outgoing messages. Processing: The ISO Listener is deployed to process the ISO 8583 request, parse them, connect to DNA Core using Core APIs, process them and send back response Message using the packer in ISO 8583. A New form is created though DNA creator as an App which allows the FI to Launch the ISO Listener via DNA Core at the location identified by the Bank Option „ISOL – ISO 8583 Listener Path‟. This App is displayed on a new UI form that is available at the following location: Services Services Institution ISO 8583 Listener Process A New form is created though DNA creator as an App which would allow the Financial Institute to monitor the incoming and outgoing ISO 8583 messages via DNA Core. This App is displayed on a new UI form that is available at the following location: Services Services Institution ISO 8583 Message Monitor

NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

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Page 1: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 1 of 25

NFC Payment App

ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE)

Overview: This app serves as an interface requirement for a system that wish to send a card transaction to Issuer via ISO Bridge (ISO listener). The interface supports Balance Inquiry, ATM Withdrawals and POS Purchases. This app helps Financial Institution to provide an interface between the DNA Core and Acquirer based on the ISO 8583 messages request and processing them using the new / available Core APIs by converting the ISO 8583 requests into Core API XML and providing the response using the XML through an ISO 8583 format. Note: This application is designed to work with ISO Listener, a third-party executable which works as the bridge between Card Issuer and system which is performing a card transaction. This application launches the ISO Listener and monitors the incoming and outgoing messages. Processing: The ISO Listener is deployed to process the ISO 8583 request, parse them, connect to DNA Core using Core APIs, process them and send back response Message using the packer in ISO 8583. A New form is created though DNA creator as an App which allows the FI to Launch the ISO Listener via DNA Core at the location identified by the Bank Option „ISOL – ISO 8583 Listener Path‟. This App is displayed on a new UI form that is available at the following location: Services Services Institution ISO 8583 Listener Process A New form is created though DNA creator as an App which would allow the Financial Institute to monitor the incoming and outgoing ISO 8583 messages via DNA Core. This App is displayed on a new UI form that is available at the following location: Services Services Institution ISO 8583 Message Monitor

Page 2: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 2 of 25

ISO 8583 Listener: The ISO 8583 listener is launched as an executable from the DNA app screen. The selection of „Launch ISO Listener‟ button on this screen installs the ISO Listener and launches the listener from DNA App at the location identified by the Bank Option „ISOL – ISO 8583 Listener Path‟. The screen pulls out the Connection String and other CORE API related information and passes it to the ISO Listener as arguments in the encrypted format. Performance: System is expected to acquire and send a transaction to core banking solution in less than 100ms time period in an average HW configuration. (1x8 core, 8 GB RAM). 100ms is the time that listener should take to forward the request to DNA.

The Acquirer is configured for the Listener‟s IP and port that allows it to initiate TCP connection with the ISO Listener.

Port Setup for Listener: The number of ports to be made available on ISO Listener would be based on the details available in the ISO Listener Configuration File. The user is required to edit the ISOListener.exe.config file to setup the ports which will accept the ISO 8583 messages.

Page 3: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 3 of 25

The ISO listener would be developed to listen on ports as defined in the Listener Configuration File with multi-threading capabilities to accept up to 10 connections. Setup the Log File: All the ISO 8583 Request/Response messages will be logged on the server where ISO Listener is running. The path of this log file is setup in the ISOListener.exe.config file. Set “Log” to „Y‟ and “Path” as the log file location.

Sample of the Log File:

Setup the Path for ISO Listener: The user is required to setup the path for ISO Listener on Bank Option „ISOL – ISO 8583 Listener Path‟. Navigation: System>Institution>Institution Options If the path for listener is not setup then an application message “The value for ISO 8583 Listener Path is not setup” is displayed while opening the Listener Process screen and screen gets closed.

Page 4: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 4 of 25

Parsing of 8583 message: The following logic is developed to parse the request coming in the form of ISO 8583 messages. An ISO 8583 message is in ASCII format and consists of three parts.

1. MTI - Message Type Indicator: This field is a 4-digit numeric field indicating the type of message.

2. BITMAP - This is only the primary bitmap and having size of 8 bytes. The secondary bitmap is the first field in the Data Element.

3. Data - data fields defined by the bitmap.

ISO-defined data elements:

Field No.

Field Name Field Use Attribute

Values/ Format

Central Switch Derivation

Message Type Message Type Identifier nP 4 Message Type (1)

Passed Through

Bit Map Primary bit map b 8 Derived Value

Originated

001 Bit Map Extended Secondary bit map b 8 Derived Value

Originated

002 PAN Customer identification and routing

nP..19 LLVAR Passed through

003 Processing Code Transaction effect nP 6 Processing Codes (2)

Translated

004 Transaction Amount

Funds requested at acquirer

nP 12 Selected Value

Passed through

006 Cardholder Billing Amount

Transaction amount in issuer currency

nP 12 Derived Value

Passed Through

007 Transmission DTS DTS of message transmission

nP 10 DTS Originated

010 Cardholder Billing Conversion Rate

Conversion rate to be applied to transaction amount

nP 8 D+7R Originated

011 System Trace Audit Number

Unique sequence number > 0

nP 6 Derived Value

Originated

012 Local Transaction Acquirer TS nP 6 TS Passed

Page 5: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 5 of 25

Field No.

Field Name Field Use Attribute

Values/ Format

Central Switch Derivation

Time through

013 Local Transaction Date

Acquirer DS nP 4 DS Passed through

014 Expiration Date Date of card expiration nP 4 YYMM Passed through

015 Settlement Date Date of switch settlement

nP 4 MMDD Originated

016 Conversion Date Date of currency conversion

nP 4 MMDD Passed through

018 Merchant Type ISO Merchant Code nP 4 ISO Value Passed through

022 Entry Mode Method of PIN/PAN entry

nP 3 Entry Mode (3)

Passed through

023 Card Sequence Number

Used for EMV Transactions

nP 3 Derived Value

Passed through

026 PIN Capture Code Maximum number of PIN digits supported

nP 2 Derived Value

Passed through

032 Acquirer ID for international transactions specific Member Id for that External network (Visa Main BIN, MasterCard ICA or Amex RT Number)

nP..11 LLVAR Passed through

035 Track-2 Data z..37 LLVAR Passed through

037 Retrieval Reference

Data for matching original transaction

an 12 Retrieval Reference (4)

Passed through

038 Auth. ID Response

Data for matching authorization

an 6 Derived Value

Passed through

039 Response Code Message disposition This field will also be used to carry ISO Status Code for 0302 Visa Exception File Update requests.

an 2 Response Code (5)

Passed through/ originated/ translated

041 Card Acceptor Terminal ID

Unique acquirer terminal ID

an 8 ID Passed through

042 Card Acceptor ID Further merchant or an 15 ID Passed

Page 6: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 6 of 25

Field No.

Field Name Field Use Attribute

Values/ Format

Central Switch Derivation

Code terminal info. through

043 Card Acceptor Name/Location

Terminal address information

an 40 Card Acceptor Name/ Location ID(6)

Passed through

045 Track-1 Data ans..76

LLVAR Passed through

047 Additional Data, National

For future use ans..8 or (ans..255)

LLLVAR Passed through

049 Transaction Currency Code

Local acquirer currency nP 3 ISO values Passed through

050 Settlement Currency Code

Code for settlement currency and fee amount

nP 3 ISO values Passed through

051 Customer Billing Currency Code

Currency code of card issuer

nP 3 ISO values Passed through

052 PIN Data Encrypted PIN block H16 ID (encoded) Translated

053 Security Related Control Information

Working Key Index value

nP16 Security Related Control Information (7)

Originated

054 Additional Amount Miscellaneous transaction amount

ans..120

LLLVAR Additional Amount (8)

Passed through

060 Reversal Reason Code

Private definition an 4 LLLVAR Originated/translated

061 Reserved Private Private definition ans …999

LLLVAR Passed through

Message Type (1)

ISO Code Description

0200 Financial Request

0210 Financial Response

Page 7: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 7 of 25

Processing Codes (2)

Processing Codes Message Codes (for Message Type 0200)

000000 POS Purchase

010000 ATM Cash Withdrawal

310000 ATM Balance Enquiry

Note: The account type for the associated account is part of this Process Code (digit: 3-4) and identified as follows: 10 – Saving Account 20 – Checking Account 30 – Credit Card Account 00 – Direct Account – in this case the account type is determined based on the setup for the card as per priority for „Checking Account‟, „Saving account‟ and then „Credit Card Account‟.

Entry Mode (3) Point of Service Entry Mode „First 2 Bytes‟

ISO Code Description

00 Unknown or Unspecified

01 Manual (Key Entry)

02 Magnetic Stripe, the magnetic stripe has not been fully read and/or transmitted.

05 Integrated circuit card read

07 PAN auto entry via contactless Chip

80 Magnetic Stripe Read, when integrated circuit could not be used

81 Electronic commerce

90 Magnetic Stripe Read and Entire Contents Transmitted

91 PAN auto entry via contactless MagStripe

95 Integrated circuit card read, CVV data may be unreliable

PIN Entry Mode „Last Byte‟

0 Unspecified

1 Terminal has PIN Entry Capability

2 Terminal does not have PIN Entry Capability

8 PIN pad is down

Page 8: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 8 of 25

Retrieval Reference (4)

Position Value

1-4 Julian date (YDDD) – Equivalent of Field 7 in ISO-defined data element table

5-6 Hour of Field 7 in ISO-defined data element table

7-12 Actual terminal sequence number – Equivalent of Field 11 in ISO-defined data element table

Response Code (5)

ISO Code Response Code Description

00 Approved or completed successfully

01 Refer to card issuer

02 Refer to card issuer, special condition

03 Invalid merchant or service provider

04 Pick-up card

05 Do not honor

06 Error (found only in file update responses)

07 Pick up card, special condition

08 Honor with ID

09 Try again

11 Approved (VIP)

12 Invalid transaction

13 Invalid amount

14 Invalid account number

15 No such issuer

25 Unable to locate record on file

28 Original is denied

29 Original not found

30 Format error (switch generated)

33 Expired card, pick-up

36 Restricted card, pick-up

38 Allowable PIN tries exceeded, pick-up

40 Requested function not supported

41 Lost card, Pick-up

Page 9: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 9 of 25

42 Invalid account setup

43 Stolen card, pick-up

51 Insufficient funds

52 No checking account

53 No savings account

54 Expired card

55 Incorrect PIN

57 Transaction not permitted to cardholder

58 Transaction not permitted to terminal

61 Exceeds withdrawal amount limit

62 Restricted card

63 Security violation

65 Exceeds withdrawal frequency limit

75 Allowable number of PIN tries exceeded

76 Key synchronization error

77 Decline of Request – No script available

78 Unsafe PIN

79 ARQC failed

85 Approval of request (for PIN management messages)

91 Issuer or switch is inoperative

92 Financial institution unknown for routing

96 System malfunction

98 Duplicate Reversal

Card Acceptor Name / Location ID (6)

Position Value

1-25 Card Acceptor Name or ATM Location

26-38 City Name

39-40 Country Code

Security Related Control Information (7)

Position Value

1-2 PIN Key Index (Can be one of 01,02,03)

3-16 All zeroes

Page 10: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 10 of 25

Additional Amount (8)

Position Value

1-2 Account type (00)

3-4 Amount type ( 02 = Available balance, 40 = Amount cash back

5-7 Currency code (ISO)

8-20 Amount (C/0 or D + n12)

Field Attributes: The Attribute and Values/Format fields are described below. All numeric fields are right justified and zero filled, all other character fields are left justified and space filled. All character fields can be represented in either ASCII or EBCDIC. All numeric fields can be packed or unpacked numeric. Decision has to be informed to ISO Bridge in advance.

Field Attributes

Value

n (x) Character representation of numeric value. Fixed length, x characters long.

nP (x) Character representation of numeric value that is capable of being packed. When the numeric packing option is set; The data element contains numeric digits in unsigned packed format (4-bit BCD). When x is odd, a lead zero is required.

an (x) Character representation of capital alphabetic or numeric value (alphanumeric). Fixed length, x characters long.

ans (x) Character representation of alphanumeric value or "special" characters. Fixed length, x characters long.

b (x) Binary value representing actual numeric data. Fixed length, x bytes long.

b .. (x) Binary value representing actual numeric data. Variable length, x bytes long.

n..(x) As n(x) above, but variable data length, maximum length x.

nP..(x) As nP(x) above, but variable data length, maximum length x.

an..(x) As an(x) above, but variable data length, maximum length x.

ans..(x) As ans(x) above, but variable data length, maximum length x.

z..(x) As n..(x) above, but including "=".

H16 b 8 (if using numeric packing option) 16 hex bytes (if not using numeric

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 11 of 25

packing option)

LLVAR Variable length data proceeded by two-character length sub-field. When the numeric packing option is set, this will be one byte binary.

LLLVAR Variable length data proceeded by three-character length sub-field. When the numeric packing option is set, this will be one byte binary.

DTS Date Time Stamp (MMDDHHMMSS) in Greenwich Mean Time.

TS Time Stamp (HHMMSS)

DS Date Stamp (MMDD)

YYMM Month and Year numbers

Table No Values and meanings given in table N.

ID Member FI assigned value providing transaction processing identification.

Derived Value

Value produced by calculation from other values or settings.

ISO Values Value set according to ISO standard.

Selected Value

Value selected by transaction originator.

D+7R Implied decimal. First byte specifies decimal point displacement from right. Next seven specify value.

Examples:

Field Definition Meaning

n6 Fixed length field of six digits

n.6 LVAR numeric field of up to 6 digits in length

a..11 LLVAR alphanumeric field of up to 11 characters in length

b...999 LLLVAR binary field of up to 999 bytes in length

„L‟ suggests the number of digits defining the length of the field in the field value. ISO Message Field: The following table describes which of the fields specified in the previous tables are used in each of the messages providing the Acquirer interface. It also specifies if use of the field should be as response to the field in the request for matching and other processing purposes. In the following tables, "M" depicts that the field is mandatory for this particular message, "C" depicts that the field is conditional for this particular message and "MR" depicts that the field

Page 12: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 12 of 25

is mandatory and returned from the field in the equivalent message (e.g. field 002 in a 210 message is returned from field 002 in the 200 message).

Field No. 200 210 002 M MR

003 M MR

004 M MR

006(5) M -

007 M MR

010(5) M -

011 M MR

012 M MR

013 M MR

014 M -

015 M M

016 M -

018 M -

022 M -

023(1) C -

026 M -

032 M MR

035 M -

037 M MR

038 - M

039 - M

041 M MR

042 M -

043 M -

045(2) C -

047(4) C C

049 M MR

051 M MR

052 M -

053(3) C -

054 M M

055(1) C C

061 M -

(1) = This field will only be used for EMV card transactions

Page 13: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 13 of 25

(2) = This field will only be used, if Track2 could not be read from magnetic stripe, but Track1 is read.

(3) = This field will only be used for PIN-based transactions and 0800-Key Exchange messages.

(4) = This field will only be used for domestic purchase transactions to carry some special data.

(5) = These fields will only be available in international Amex ATM transactions‟ response messages. The content of these fields will be used for settlement purposes by the acquirer.

Listener Process:

The Acquirer opens a connection on ISO Listener (through specific IP and Port).

Once the connection is established, Acquirer will send Financial Transaction request message to the ISO Listener based on the transaction performed at the Terminal (e.g. Balance Inquiry, ATM withdrawal or POS Purchase).

The request 0200 (Financial Request ) is sent from Acquirer to ISO Bridge (ISO Listener)

ISO Listener passes the request to ISO 8583 Message Parser.

The Parser identifies the message format and then parses the message into respective fields from the request, generate XML based on the respective fields and pass it to CORE API for processing in the XML specific format.

ISO Message request is added to the OSIEXTN.DISO8583 table in the database with the unique Id.

The CORE API processes the request and generate a response XML

The response XML is converted back to ISO 8583 message format (using the packer to build ISO message).

ISO Message response is updated against the request ID in the OSIEXTN.DISO8583 table in the database.

0210 response (Financial Response) from ISO Bridge (ISO Listener) would be sent to Acquirer

The ISO 8583 request and generated response are stored in OSIEXTN.DISO8583 table against the related request for history purposes.

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 14 of 25

ATM and POS Transactions:

1. ATM Balance Enquiry Service – Approved or Denied Transaction

Input Input contains Card Number, Account Number, Local Date, Local Time, Retrieval Reference (Unique Transaction Number >> A total of 5 inputs) Output The output (3) contains (On the basis of 5 Inputs):

Response Code,

Available Amount

Currency Code

Field No.

Input/ Output

Field Name Attributes Explanation

1 Input Card Number nP..19 Core Banking system find card account number related to card number

2 Input Local Date n 8 YYYYMMDD

3 Input Local Time n 6 HHMISS

4 Input Retrieval Reference an 12 Data for matching original transaction

5 Output Response Code n 2 Response Code (5)

6 Output Available Amount nP..12 Available amount

7 Output Currency Code an 3 Single Currency

2. ATM Withdrawal >> Approved or Denied Transaction

Input Input contains Card Number, Account Number, Transaction Amount, Transaction Currency Code, Transaction Local Date, Transaction Local Time, Card Acceptor Name/Location, Retrieval Reference (Unique Transaction Number >> A total of 8 inputs)

Output The output (2) contains (On the basis of above 8 Inputs):

Response Code, and

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

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Authorization Number if Response Code is 00 (i.e. Approved or Completed Successfully)

Field No

Input/ Output

Field Name Attribute Explanation

1 Input Card Number nP..19 Card number that a cash withdrawal transaction is originated. Issuer finds account number related to card number.

2 Input Transaction Amount nP..12 Transaction Amount

3 Input Transaction Currency Code

an 3 Transaction Currency Code

4 Input Transaction Local Date n 8 YYYYMMDD

5 Input Transaction Local Time n 6 HHMISS

6 Input Card Acceptor Name/Location

an 40 Card Acceptor Name / Location ID (6)

7 Input Retrieval Reference (Unique Trx. Number)

an 12 Data for matching original transaction

8 Output Response Code n 2 Response Code (5)

9 Output Authorizations, Number n 6 Authorization number if Response code 00

3. Purchase Service (POS) >> Approved or Denied Transaction:

Input The Input contains Card Number, Transaction Amount, Transaction Currency Code, Transaction Local Date, Transaction Local Time, Card Acceptor Name/Location, Retrieval Reference (Unique Transaction Number >> A total of 7 inputs)

Output The output contains (On the basis of above 7 Inputs):

Response Code, and

Authorization Number if Response Code is 00 (i.e. Approved or Completed Successfully)

Field No

Input/ Output

Field Name Attribute Explanation

1 Input Card Number nP..19 Card number that a purchase

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 16 of 25

transaction is originated. Issuer finds account number related to card number.

2 Input Transaction Amount nP..12 Transaction Amount

3 Input Transaction Currency Code

an 3 Transaction Currency Code

4 Input Transaction Local Date n 8 YYYYMMDD

5 Input Transaction Local Time n 6 HHMISS

6 Input Card Acceptor Name/Location

an 40 Card Acceptor Name / Location ID (6)

7 Input Retrieval Reference (Unique Trx. Number)

an 12 Data for matching original transaction

8 Output Response Code n 2 Response Code (5)

9 Output Authorizations, Number n 6 Authorization number if Response code 00

Transaction Posting: After the successful response code is received, the Core API processes the request and posts the transaction in DNA. The following entries are displayed:

The transaction is posted into the respective account for the transactions „DINQ – ATM Inquiry‟ and „DWTH – ATM Withdrawal‟ and „PWTH – Point Of Sale Withdrawal‟

In case of ATM / POS withdrawal, the balance of concerned account number is updated with Balance Amount = Previous Balance Amount – Value of ATM/POS Withdrawal

Tables: A new table is created to save the request received and the response sent back from the ISO 8583 listener: OSIEXTN.DISO8583

Column Name Data Type

Length

Null Default Comments

ISOMSGNBR N 22 N This is the system generated sequence number and is a primary key for the table.

RETREFERENCE VC 6 N The unique id of the request received for the ISO 8583 message.

REQUESTMSG VC 2000 N The Request message in comma separated format.

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 17 of 25

RESPONSEMSG VC 2000 Y The Response message in comma separated format.

MSGSTATUSCD VC 4 Y The current status of the request e.g. Approved – APPR or Denied – DENI or Pending – PEND.

REQUESTTYP VC 4 N This column contains the message type identifier for the transaction.

PROCESSCD VC 6 N The processing code associated with the request.

ACCTNBR N 22 Y Account number associated with the request

EXTCARDNBR VC 32 N Card number associated with the request

TRANAMT N 22,3 Y The transaction amount of the message request

ACTVDATETIME D Y The Activity Date and Time is the time and date for the activity.

ERRORMSG VC 400 Y The Error Message for the exception occurred during processing.

DATELASTMAINT D N SYSDATE

The date on which this row was last modified. SYSTEM USE ONLY.

Bank Option: The following Bank Option is used in this App:

Bank Option

Code Description (how used)

Bank Option YN

Bank Option Value

Value Data Type

Bank Option Category Code

ISO 8583 Listener Path

ISOL This defines the path for the installation of the ISO Listener

N STR PATH

Page 18: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 18 of 25

Report: N/A Application Messages:

1. The Application error message “The value for ISO 8583 Listener Path is not setup” is

raised if the path for the ISO Listener is not setup in the Bank Option „ISOL – ISO 8583 Listener Path‟ when user click on „Listener Process‟ menu item to open the new UI „ISO 8583 Listener Process‟.

2. The application error message “Please check the configuration file for correct Port Number setup” is raised if the correct port number setup is not defined in config file of the listener.

3. The Application error message “Listener executable (ISOListener.exe) not found at specified location.” is raised if ISOListener.exe is not available at the location specified in the Bank Option „ISOL – ISO 8583 Listener Path‟ when user click on „Launch ISO Listener‟ button on new UI „ISO 8583 Listener Process‟.

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 19 of 25

4. If user click on the „Exit‟ Menu Item on the System Tray Icon for ISO Listener, the

message “Do you want to close ISO Listener Application” is displayed followed by two

options „Yes‟ and „No‟. User is required to select „Yes‟ to close the ISO Listener and

„No‟ to continue the process. By default „No‟ button is selected.

5. An exception message “Please provide a valid From Date” is displayed on the screen „ISO 8583 Message Monitor‟ when there is No value provided for „From Date‟ field in „Search Criteria‟ group box.

6. An exception message “Please provide a valid Thru Date” is displayed on the screen

„ISO 8583 Message Monitor‟ when there is No value provided for „Thru Date‟ field in „Search Criteria‟ group box.

7. The application error message “The Thru Date must be greater than or equal to From

Date” is raised on the screen “ISO 8583 Message Monitor” when the „From Date‟ is greater than the „Thru Date‟ in Search Criteria.

Page 20: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 20 of 25

Screens: Two new application numbers have been created for the following new screens:

1. ISO 8583 Listener Process

2. ISO 8583 Message Monitor

ISO 8583 Listener Process Navigation: Services Institution ISO 8583 Listener Process Screen Appearance A New screen is created as ISO 8583 Listener Process to launch the ISO Listener.

User needs to click on „Launch ISO Listener‟ button to start the ISO Listener on the machine. The screen will pass the Connection String and other CORE API related information to the ISO Listener as arguments.

When the Listener process is running, the caption of the screen will be set to „ISO Listener Running‟ and an icon will be displayed in notification area of the taskbar.

To stop the Launch process the user will require right clicking on the icon in notification area of taskbar and selecting „Exit‟ option.

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Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 21 of 25

By clicking „Exit‟ an application message displays as “Do you want to stop the Listener Process”. Click „Yes‟ to stop, to continue select „No‟. Field Listing:

Field Description ISO 8583 Listener Process

The screen will pull out Connection String and other CORE API related information and pass it to the ISO Listener as arguments.

ISO Listener Path This field displays the Location identified by the Bank Option „ISOL – ISO 8583 Listener Path‟.

Launch ISO Listener On Click of „Launch ISO Listener‟ button the ISO Listener is launched and the button will be Disabled with caption “ISO Listener Running” from DNA App at the location identified by the Bank Option „ISOL – ISO 8583 Listener Path‟. An Application error message “The value for ISO 8583 Listener Path is not setup” is raised if the path for the ISO Listener is not setup in the Bank Option „ISOL – ISO 8583 Listener Path‟ when user click on „Listener Process‟ menu item to open the new UI „ISO 8583 Listener Process‟. An Application error message “Listener executable (ISOListener.exe) not found at specified location.” is raised if ISOListener.exe is not available at the location specified in the Bank Option „ISOL – ISO 8583 Listener Path‟ when user click on „Launch ISO Listener‟ button on new UI „ISO 8583 Listener Process‟

Close On click of „Close‟ button the screen will be closed.

Page 22: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 22 of 25

ISO 8583 Message Monitor Navigation: Services Institution ISO 8583 Message Monitor Screen Appearance: A New screen would be created as “ISO 8583 Message Monitor” for monitoring of Incoming and Outgoing ISO 8583 transactions.

Page 23: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 23 of 25

Field Listing:

Field Description Search Criteria

This group box enables the user to provide the search criteria for the ISO Message transactions.

Card Number This field enables the user to enter the Card Number available within the ISO 8583 request for which the details need to be displayed. This is an optional field.

Account Number This field enables the user to enter the Account Number associated with the card number for which the details need to be displayed. This is an optional field.

Amount This field enables the user to enter the transaction amount of requested ISO message transaction for which the details need to be displayed. This is an optional field.

From Date / Thru Date

The user is required to enter the value in these fields to search the ISO message transactions, falls between the specified date ranges. An application error message will be displayed if “From Date” is greater than the “Thru Date”. These fields are mandatory fields.

Status This is a drop down field with options „ALL‟ is selected by default. Other than „ALL‟ drop-down list has following options available in it:

Approved

Denied

Pending

Message Type This is a drop down field with options „ALL‟ is selected by default. Other than „ALL‟ drop-down list has following options available in it:

Authorization Request (0100)

Financial Request (0200)

Query On click of this button, the application will search the records for the ISO Message Transaction Details as per the search criteria provided by the user.

Clear On click of this button, the values provided by the user in the Search Criteria group-box are cleared and the user will be required to re-enter all the values. The Clear button also clears the Grid „ISO Message Transaction Details‟.

ISO Message Transaction Details The grid will be filled up based on the search criteria.

Activity Date This column displays the Activity date of the ISO Message Transaction.

Activity Time This column displays the Activity time of the ISO Message Transaction.

Page 24: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 24 of 25

Field Description Card Number This column displays the Card Number of the ISO Message Transaction.

Account Number This column displays the Account Number of the ISO Message Transaction.

Transaction Amount This column displays the Amount of the ISO Message Transaction.

Status This column displays the current status of the ISO Message Transaction.

Message Type This column displays the Message Type of the ISO Message Transaction. (Value of MTI in ISO message).

Process Code This column displays the Process Code of the ISO Message Transaction

Error Message This column displays the Error Message of ISO Message Transaction

Detail On click, this button enables the user to view the details of the selected ISO message transaction in „ISO Request/Response Message‟ group box. This button is disabled if no record is selected in the Grid „ISO Message Transaction Details'.

ISO Request/Response Message ISO Message Request On the selection of a row from „ISO Message Transaction Details‟ grid the relevant data in the ISO Message Request grid displays the field wise breakup of the requested message.

Field Number This column displays the Field number.

Field Name This column displays the Field name.

Length This column displays the length of the data.

Data This column displays the field wise data of ISO request message.

ISO Message Response On the selection of a row from „ISO Message Transaction Details‟ grid the relevant data in the ISO Message Response grid displays the field wise breakup of the response message.

Field Number This column displays the Field number.

Field Name This column displays the Field name.

Length This column displays the length of the data.

Data This column displays the field wise data of ISO response message.

Close On click of „Close‟ button the screen will be closed.

Additional Requirements: Before executing this application, the Financial Institution require following prerequisites at their environment:

Either DNA 3.3 or the higher version of DNA is available.

The required set-up script/ steps have been executed before running this application.

This application will be available if the Financial Institution has provided the authorization rights for the same to the respective users.

Page 25: NFC Payment App - · PDF fileNFC Payment App ISO8583 Messaging App (Application 179FD1C1-1D10-4C86-9DD0-A8B02F4A1773) (Application 00AE4001-5077-45B6-B2F4-BE9C4C13B0BE) Overview:

Open Solutions Inc.®

455 Winding Brook Drive

Glastonbury, CT 06033-4335

860.652.3155

860.652.3156 fax

www.opensolutions.com Page 25 of 25

ISO Listener is a standalone executable from Third Party. This is a required component and needs to be acquired separately. FI needs to place all the following ISOListener related files at the location specified in the Bank Option „ISOL‟:

o DataAccess.dll o ISO8583.dll o ISOListener.exe o ISOListener.exe.config

Available ports needs to be identified and setup in the ISOListener.exe.config file. Notes: The Financial Institution is required to consider the following:

Acquirer will work as the client for the Listener.

This enhancement is done using the Core API procedures so no card transaction related entries are made.

Any other transaction requests other than the Balance Inquiry, Cash Withdrawal and Purchase (POS) are not considered.

FI needs to reset the IIS after restarting the database. To reset the IIS, run „IISRESET‟ command from the command Prompt on the Application Server where SAF Website is setup.

Configuration Checklist:

Item Test Environment Production Environment Table OSIEXTN.DISO8583 Bank Option

Revisions:

Date App Version #

Change

03/2012 1.0.0.0 Draft Version Created