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 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 Messages .......................................................................................................................................... 11

Network Management Messages .............................................................................................................................. 11

5.1. Normal processing ............................................................................................................. 11

5.2. SAF List End 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 Bit-Map............................................................................................... 15

Field 2: Primary Account Number .................................................................................... 15
Field 3: Processing Code ................................................................................................... 16
Field 4: Amount, Transaction ............................................................................................ 18
Field 5: Amount, Account ................................................................................................. 18
Field 6: Amount, Cardholder Billing................................................................................. 18
Field 9: Conversion Rate, Cardholder Billing ................................................................... 19
Field 10: Conversion Rate, Account ................................................................................. 19
Field 11: Systems Trace Audit Number ............................................................................ 19
Field 12: Time, Local Transaction .................................................................................... 20
Field 14: Date, Expiration ................................................................................................. 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

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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 Amounts ....................................................................................... 36
Field 100: SVFE Issuer Institution Identifier .................................................................... 37
Field 102: Account Identification ...................................................................................... 37
Field 103: Account Identification 2 ................................................................................ 37
Field 128: Secondary MAC Data ...................................................................................... 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 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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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

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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.

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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 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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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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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.

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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 Adv ice
SVFE

CBS

1120()

1130()

1121()

1130()

3.

Reversal Messages

3.1. Normal processing

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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 Rev ersal
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.

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sd Rev ersal
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.

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sd Netw ork Management SV-CBS
SVFE

CBS

1804()

1804()

1814()

sd Netw ork 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.

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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()

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DATA FIELDS
1.

Data Field Attributes

Table 1. Data Field Attributes

a

Alphabetic characters only.

Numeric digits only.

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.

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

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

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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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 cardholders card number.

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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

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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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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

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This field contains the transaction amount (Field 4), converted to the currency used to bill the
cardholders 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 28 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 28 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

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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

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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 merchants 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

Position Description
Card data input
capability

Cardholder
authentication
capability

Valid Values
0 Unknown
1 Manual
2 Magnetic stripe reader
3 Bar code reader
4 OCR reader
5 EMV compatible ICC reader
6 Key entry
7 Magnetic stripe reader and key entry
8 Magnetic stripe reader, key entry and
EMV compatible ICC reader */
9 Contactless read
0 No electronic authentication
1 PIN
2 Electronic signature analysis
3 Biometrics
4 Biographic
5 Electronic authentication
6 Other

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Position

Position Description

Card
capability

capture

Operating
environment

Cardholder
indicator

Card presence

Card data input mode

Cardholder
authentication method

Cardholder
authentication entity

presence

Valid Values
0 None
1 Capture
0 no terminal used
1 on premises of card acceptor, attended
2 on premises of card acceptor, untended
3 Off premises of card acceptor, attended
4 Off premises of card acceptor, unattended
5 On premises of card cardholder, unattended
9 On premises of card cardholder, attended
0 Present
1 Not present, unspecified
2 Not present, mail order
3 Not present, telephone order
4 Not present, standing order (recurring payment)
5 Not present, electronic order
S Not present, postponed payment
0 Not present
1 Present
0 Unspecified
1 Manual, no terminal
2 Magnetic stripe read
3 BAR read
4 OCR read
5 ICC read
6 Key entered
7 Contactless ICC read
8 Contactless magnetic stripe read
9 Contactless read
S E-commerce, merchant certificate only
T E-commerce, merchant and cardholder certificate / 3-D Secure
transaction
U E-commerce, no security
V E-commerce, channel encryption
0 No authentication
1 PIN
2 Electronic signature analysis
3 Biometrics
4 Biographic
5 Manual signature
6 Other manual authentication
T E-commerce, UCAF / 3DS authentication is not supported by
merchant
U E-commerce, UCAF / 3DS authentication is supported by
merchant but is not provided by issuer
V E-commerce, UCAF / 3DS authentication is supported by
merchant and is provided by issuer
0 Not authenticated
1 ICC
3 Authorizing agent, online PIN
4 Merchant/card acceptor, signature
5 Other
S Merchant suspicious

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Position

Position Description

10

Card
data
capability

output

11

Terminal
capability

output

12

PIN capture capability

Valid Values
0 Unknown
1 None
2 Magnetic stripe write
3 ICC
0 Unknown
1 None
2 Printing capability only
3 Display capability only
4 Printing and display capability
0 No PIN capture capability
1 Unknown
4 PIN capture capability 4 characters maximum
5 PIN capture capability 5 characters maximum
6 PIN capture capability 6 characters maximum
7 PIN capture capability 7 characters maximum
8 PIN capture capability 8 characters maximum
9 PIN capture capability 9 characters maximum
A PIN capture capability 10 characters maximum
B PIN capture capability 11 characters maximum
C PIN capture capability 12 characters maximum

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.
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

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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 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 a is value of field 38.
#include <stdio.h>
#include <stdlib.h>
#include <string.h>
char *voc[6]={
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"123456789",
"0123456789ABCEFHKMNRSTUVWXYZ",
"0123456789ABCEFHKMNRSTUVWXYZ",
"0123456789",
"0123456789ABCEFHKMNRSTUVWXYZ",
"0123456789ABCEFHKMNRSTUVWXYZ"
};
void auth(long u, char *a) {
int i,l;
for (i=0; i<6; i++) {
l=strlen(voc[i]);
a[i]=voc[i][u%l];
u/=l;
}}

4.19. Field 39: Response Code

4.19.1.Format
an 3

4.19.2.Description
A code which defines the action taken or to be taken as well as the reason for taking the action.
SVFE RC

CBS RC

Description

-1

000

Successful transaction

826

001

Successful transaction, but MCC is in list 6010, 4829, 6051, 7995, 7511

818

111

Currency of the account in CBS is not the same as currency of account

in FRONT END

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SVFE RC

CBS RC

Description

928

112

Account is blocked

915

116

Not enough money on account

913

124

Account not found

4811

Customer
cancellation
The cardholder aborted the transaction after an authorisation request had
been sent

482

Completed
partially
Used in reversal messages to indicate that a transaction was completed,
but for an amount less than that given in the original 0100 request

483

Response
received
too
late
Used to indicate the reason for sending a reversal an authorisation
response was not returned within the time limit set by the acquirer

496

System
malfunction
The message could not be successfully processed due to a system
malfunction (see also Note below)

812

902

Incorrect type of request of code of transaction

802

907

CBS is not available

959

909

Internal errors in the interface software

802

910

CBS is in "log off" state

959

914

This code is sent from CBS in case the cancellation request 703 was
sent when the operational day in CBS is closed.

811

913

Duplicate transaction

959

916

Errors in software of CBS

894

894

Operation could not be processed because of temporary moratorium

(TIME_MORATORIUM)

895

895

Absense of information about debt

(DEBTS_ABSENCE)

Response codes 4XX are sent by SVFE in 142X messages

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SVFE RC

CBS RC

Description

997

997

The customer doesn't have the service of advance repayment of debt

(SERVICE_NOT_ALLOWED)

4.20. Field 41: Card Acceptor Terminal Identification

4.20.1.Format
ans 8

4.20.2.Description
A code that uniquely identifies a particular terminal at the card acceptors location. An identification
code of less than eight positions must be left-justified and the remainder of the field space-filled.
This field is mandatory if the terminal id is available.

4.21. Field 43: Card Acceptor Name and Location

4.21.1.Format
ans 40

4.21.2.Description
The name and location of the card acceptor. This field is required in authorization requests, advice
messages and related reversal requests for all card-read transactions. It contains the information
necessary for printing on customer account statements and on credit card billing statements.
Subfield

Type and
length of data

ans 38

ans 2

Data dictionary
Merchant number of bank name;
Separator >
Merchant city or location of the terminal device
Trailing spaces
ISO code of the country

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4.22. Field 48: Additional Data

4.22.1.Format
lllvar ans 999
Tag data format: 3 bytes for each tag name + 3 bytes for each tag length + tag data

4.22.2.Description
This field is used to carry SmartVista Front-End internal information. There is a number of tags packed
in field 48. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag Lengths
and Tag Values.

Banking Production Center may occasionally introduce new Field 48 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 48 tags.
Refer to Appendix A (Field 48).

4.23. Field 49: Currency Code, Transaction

4.23.1.Format
n3

4.23.2.Description
This field is used in any message related to a cardholder transaction that contains one or more of the
amount fields listed above, even when the amount is zero. This field is also used in balance inquiry
requests, even when the value of field 4 equals zero. This code specifies the currency in which the
acquirer wants the balance amount to be expressed.

4.24. Field 50: Currency Code, Account

4.24.1.Format
n3

4.24.2.Description
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This code specifies the cardholder account currency.

4.25. Field 51: Currency Code, Cardholder Billing

4.25.1.Format
n3

4.25.2.Description
This field contains a 3-digit numeric code that identifies the currency used by the issuer to bill the
cardholders account.

4.26. Field 54: Additional Amounts

4.26.1.Format
lllvar an999

4.26.2.Description
This field is used to carry SmartVista Front-End account balance information. There is a number of
tags packed in Field 54. The tags have the TLV structure. It means they are repeated groups of Tag IDs,
Tag Lengths and Tag Values.

Banking Production Center may occasionally introduce new Field 54 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 54 tags.

5.

Refer to Tag 011 Service Data

Tag No

Size

Data

011

Ans 32

Service Data.
If available must be present in 1100/1120/1121 messages.

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6.

Tag 012 Prepaid Card Type

Tag No

Size

Data

012

ans 28

Prepaid Card Type

Must be present for 471 SVFE transaction type only.

7.

Tag 013 Contract ID

Tag No

Size

Data

013

ans 6

Contract ID.
If available must be present in 1100/1120/1121 messages.

8.

Tag 014 Address Verification Data

Tag No

Size

Data

014

Ans 30

Cardholder address
If available must be present in 1100 messages.

9.

Tag 015 Postal Code Data

Tag No

Size

Data

015

Ans 9

Cardholder postal/ZIP code

If available must be present in 1100 messages.

10. Tag 016 Installment Payment Quantity

Tag No

Size

Data

016

n3

Quantity of payments for Installment purchase

Must be present in 1100 messages if Transaction Code = 16.

11. Tag 017 Text Information Data

Tag No

Size

Data

017

Ans 99

Free form text data

Optional for 1110 messages

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12. Tag 018 Card status

Tag No

Size

Data

018

n2

SVFE Card status:

0 valid card
1 call issuer
2 warm card
3 do not honor
4 honor with id
5 not permitted
6 lost card, capture
7 stolen card, capture
8 call security, capture
9 invalid card, capture
10 pick up card, special condition
11 call acquirer security
12 card is not activated
13 pin_attempts_exceeded
14 forced pin change
15 credit debts
17 pin activation
18 instant card personification waiting
19 fraud prevention
20 temprory blocked by client
21 permanent blocked by client
Must be present in 1100 messages if Transaction Code = 91.

13. Tag 019 Account status

Tag No

Size

Data

019

n4

New account status:

0 No restrictions
1 No withdrawals
2 No withdrawals or transfers
3 Only balance inquiries
4 Only deposits
5 Only balance inquiries and deposits
6 Only balance inquiries, deposits and transfers
7 No operations allowed (account blocked)
Must be present in 1100 messages if Transaction Code = 94.

14. Tag 020 External code for operation

Tag No

Size

Data

020

ans ..25

External code for some service.

Must be present in 1100 messages if Transaction Code = 26.

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15. Tag 021 Customer external account number

Tag No

Size

Data

021

ans ..99

External account number in service provider system.

If available must be present in 1100 messages.

16. Tag 022 Customer mobile phone number

Tag No

Size

Data

022

ans ..32

Mobile phone number for mobile top-up services.

If available must be present in 1100 messages.

17. Tag 023 Account Funds Type

Tag No

Length

Data

023

an 1

Account Funds Type:

Available value:
0 Debit.
1 Debit with overdraft.
2 Credit.
Could be present in 1110 messages.

18. Tag 024 Additional operation information

Tag No

Length

Data

024

ans ..255

Additional operation information

Free form text
Could be present in 1100 messages.

19. Tag 090-099 Payment specific data

Tag No

Size

Data

090-099

ans ..25

Specific data for payment services.

If available must be present in 1100 messages.

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Appendix B (Field 54).

19.1. Field 61: Additional Amounts and Counters

19.1.1.Format
lllvar an999

19.1.2.Description
This field is used to carry SmartVista Front-End account balance information. There is a number of
tags packed in Field 61. The tags have the TLV structure. It means they are repeated groups of Tag IDs,
Tag Lengths and Tag Values.

Banking Production Center may occasionally introduce new Field 61 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 61 tags.

20. Refer to Tag 008 Amount, Installed Exceed Limit

Tag No

Length

Data

008

an 12

Exceed Limit. This amount used to show overdraft or credit limit

value assigned to card account.
Could be present in 1110 messages and contains Installed credit
limit for credit or debit with overdraft account.

21. Tag 009 Amount, Available Exceed Limit

Tag No

Length

Data

009

an 12

Available Exceed Limit. This amount used to show available

overdraft or credit limit value assigned to card account.
Could be present in 1110 messages and contains Available credit
limit for credit or debit with overdraft account.

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Appendix C (Field 61).

21.1. Field 62: Mini-statement data

21.1.1.Format
lllvar an220

21.1.2.Description
Field contains mini-statement data, only for 704 SVFE Transaction Type, up to 10 sets:
N

Description

Attributes

Comments

Transaction Date

n6

YYMMDD

Transaction Mnemonic Name

ans 3

Transaction Mnemonic Name

Debit Credit Indicator

A1

C credit transaction,
D debit transaction
noop transaction

Amount Transaction

N 12

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21.2. Field 63: Account Balance

21.2.1.Format
n 12

21.2.2.Description
Account balance.

21.3. Field 64: Primary MAC Data

21.3.1.Format
b8

21.3.2.Description
The Primary Message Authentication Code data field carries the message authentication code
(MAC) for the message. This code is generated by ANSI X9.19 Method. Fields at MAC are filled
in according type of message formats represented at next chapter MASSAGE FORMAT (look at
last column Field Used For Mac Y or N)
If the message contains secondary data fields, Field 128 is used to carry the message authentication
code. If the message authentication code is carried in Field 128, Field 64 is not included in the
message.

21.4. Field 91: Action Code

21.4.1.Format
an 1

21.4.2.Description
This field is used to indicate type of operation. See table bellow.
Value

Description

Add operation

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Value

Description

Delete operation

21.5. Field 95: Replacement Amounts

21.5.1.Format
lllvar an999

21.5.2.Description
This field is used to carry SmartVista Front-End amount information. There is a number of tags packed
in Field 95. The tags have the TLV structure. It means they are repeated groups of Tag IDs, Tag Lengths
and Tag Values.

Banking Production Center may occasionally introduce new Field 95 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 95 tags.

22. Refer to Tag 003 Recycling Cash-Out Counters

Tag No

Length

Data

003

n 15
or n 30
or n 45

Cash-out counters at each active cassette (from 1 to 3) in format:

n 3 currency of cassette
n 12 - cash-out amount from cassette

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Appendix D (Field 95).

22.1. Field 100: SVFE Issuer Institution Identifier

22.1.1.Format
LLVAR ans 4

22.1.2.Description
Field contains SVFE Issuer Institution Identifier.

22.2. Field 102: Account Identification

22.2.1.Format
llvar ans.. 32

22.2.2.Description
Field is used in cardholder transactions. Field identifies an account number of cardholder
relationship.

22.3. Field 103: Account Identification 2

22.3.1.Format
llvar ans.. 32

22.3.2.Description
Field is used in cardholder transactions. Field identifies second account number of cardholder
relationship. For example, TO account for transfers.

22.4. Field 128: Secondary MAC Data

22.4.1.Format
b8
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22.4.2.Description
The Secondary Message Authentication Code data field carries the message authentication code
(MAC) for the message. See Field 61: Additional Amounts and Counters

22.4.3.Format
lllvar an999

22.4.4.Description
This field is used to carry SmartVista Front-End account balance information. There is a number of
tags packed in Field 61. The tags have the TLV structure. It means they are repeated groups of Tag IDs,
Tag Lengths and Tag Values.

Banking Production Center may occasionally introduce new Field 61 tags between SVFE releases to
facilitate special processing. Banking Production Center requires members using SVFE CBS
specification to be able to successfully process various online messages that may contain new
unannounced Field 61 tags.

23. Refer to Tag 008 Amount, Installed Exceed Limit

Tag No

Length

Data

008

an 12

Exceed Limit. This amount used to show overdraft or credit limit

value assigned to card account.
Could be present in 1110 messages and contains Installed credit
limit for credit or debit with overdraft account.

24. Tag 009 Amount, Available Exceed Limit

Tag No

Length

Data

009

an 12

Available Exceed Limit. This amount used to show available

overdraft or credit limit value assigned to card account.
Could be present in 1110 messages and contains Available credit
limit for credit or debit with overdraft account.

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Appendix C (Field 61).

24.1. Field 62: Mini-statement data

24.1.1.Format
lllvar an220

24.1.2.Description
Field contains mini-statement data, only for 704 SVFE Transaction Type, up to 10 sets:
N

Description

Attributes

Comments

Transaction Date

n6

YYMMDD

Transaction Mnemonic Name

ans 3

Transaction Mnemonic Name

Debit Credit Indicator

A1

C credit transaction,
D debit transaction
noop transaction

Amount Transaction

N 12

24.2. Field 63: Account Balance

24.2.1.Format
n 12

24.2.2.Description
Account balance.
.

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MESSAGE FORMATS
1.

Authorization Message

1.1. Request
Bit
No.

Data field Name

Field Used
For Mac
Y or N

Attributes

Status

Comments / Remarks

Message Type

n4

Value is 1100

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

Amount, Transaction

n12

Amount, Account

n12

Amount, Cardholder
Billing

n12

Conversion Rate,
Cardholder Billing

n8

10

Conversion Rate,
Account

n8

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

Transaction

YYMMDDhhmmss

n12

14

Date, Expiration

YYMM

n4

15

Settlement Date

YYMMDD

n6

18

Merchant Type

n4

22

Point of Service Date

Code

ans12

MO

32

Acquiring Institution
Identification Code

n11

37

Retrieval Reference
Number

an12

41

Card Acceptor
Terminal Identification

ans 8

Format

LLVAR

LLVAR

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Bit
No.

Field Used
For Mac
Y or N

Data field Name

Format

Attributes

Status

43

Card Acceptor Name

and Location

LLLVAR

ans136

48

Additional Data

LLLVAR

ans.. 999

49

Currency Code,
Transaction

n3

50

Currency Code,
Account

n3

51

Currency Code,
Cardholder Billing

n3

54

Additional Amounts

ans.. 999

64

Primary MAC Data

b8

For future used

91

Action Code

an 1

Must be present if
Transaction Code = 92

100

SVFE Issuer Institution

Identifier

LLVAR

ans 4

102

Account Identification

LLVAR

ans32

103

Account Identification2

LLVAR

ans32

128

Secondary MAC Data

b8

For future used

Attributes

Status

Comments / Remarks
Value is 1110

LLLVAR

Comments / Remarks

1.2. Response
Field Used
For Mac
Y or N

Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

Amount, Transaction

n12

Amount, Account

n12

11

Systems Trace Audit

Number

n6

37

Retrieval Reference

an12

Format

LLVAR

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Bit
No.

Data field Name

Format

Attributes

Status

Comments / Remarks

Field Used
For Mac
Y or N

Number
38

Authorisation
Identification Response

ans6

39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

48

Additional Data

ans.. 999

50

Currency Code,
Account

n3

54

Additional Amounts

LLLVAR

ans.. 999

62

Mini-statement data

LLLVAR

ans220

63

Account Balance

n 12

64

Primary MAC Data

b8

102

Account Identification

ans32

128

Secondary MAC Data

b8

2.

LLLVAR

LLVAR

For future used

N
Y

For future used

Authorization Advice Messages

2.1. Request
Bit
No.

Data field Name

Field Used
For Mac
Y or N

Attributes

Status

Comments / Remarks

Message Type

n4

Value is 1120

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

Amount, Transaction

n12

Amount, Account

n12

Amount, Cardholder
Billing

n12

Conversion Rate,
Cardholder Billing

n8

Format

LLVAR

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Bit
No.

Data field Name

Format

Attributes

Status

Comments / Remarks

Field Used
For Mac
Y or N

10

Conversion Rate,
Account

n8

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

Transaction

YYMMDDhhmmss

n12

14

Date, Expiration

YYMM

n4

15

Settlement Date

YYMMDD

n6

18

Merchant Type

n4

22

Point of Service Date

Code

ans12

MO

32

Acquiring Institution
Identification Code

n11

37

Retrieval Reference
Number

an12

38

Authorisation
Identification Response

ans6

39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

43

Card Acceptor Name

and Location

LLLVAR

ans136

48

Additional Data

LLLVAR

ans.. 999

49

Currency Code,
Transaction

n3

50

Currency Code,
Account

n3

51

Currency Code,
Cardholder Billing

n3

64

Primary MAC Data

b8

For future used

91

Action Code

an 1

Must be present if
Transaction Code = 92

100

SVFE Issuer Institution

Identifier

LLVAR

ans 4

102

Account Identification

LLVAR

ans32

103

Account Identification2

LLVAR

ans32

LLVAR

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Bit
No.

Data field Name

128

Secondary MAC Data

Format

Attributes

Status

Comments / Remarks

b8

For future used

Attributes

Status

Comments / Remarks
Value is 1130

Field Used
For Mac
Y or N
N

2.2. Response
Field Used
For Mac
Y or N

Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

11

Systems Trace Audit

Number

n6

37

Retrieval Reference
Number

an12

39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

48

Additional Data

ans.. 999

50

Currency Code,
Account

n3

54

Additional Amounts

ans.. 999

63

Account Balance

n 12

64

Primary MAC Data

b8

102

Account Identification

ans32

128

Secondary MAC Data

b8

Format

LLVAR

LLLVAR

LLLVAR

LLVAR

SmartVista Front-End

For future used

N
Y

For future used

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3.

Reversal Messages

3.1. Request
Bit
No.

Data field Name

Field Used
For Mac
Y or N

Attributes

Status

Comments / Remarks

Message Type

n4

Value is 1420

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

Amount, Transaction

n12

Amount, Account

n12

Amount, Cardholder
Billing

n12

Conversion Rate,
Cardholder Billing

n8

10

Conversion Rate,
Account

n8

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

Transaction

YYMMDDhhmmss

n12

14

Date, Expiration

YYMM

n4

15

Settlement Date

YYMMDD

n6

18

Merchant Type

n4

22

Point of Service Date

Code

ans12

MO

32

Acquiring Institution
Identification Code

n11

37

Retrieval Reference
Number

an12

39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

43

Card Acceptor Name

and Location

ans136

Format

LLVAR

LLVAR

LLLVAR

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Field Used
For Mac
Y or N

Bit
No.

Data field Name

Format

Attributes

Status

48

Additional Data

LLLVAR

ans.. 999

49

Currency Code,
Transaction

n3

50

Currency Code,
Account

n3

51

Currency Code,
Cardholder Billing

n3

54

Additional Amounts

ans999

64

Primary MAC Data

b8

For future used

91

Action Code

an 1

Must be present if
Transaction Code = 92

95

Replacement Amounts

LLLVAR

ans999

100

SVFE Issuer Institution

Identifier

LLVAR

ans 4

102

Account Identification

LLVAR

Ans32

103

Account Identification2

LLVAR

ans32

128

Secondary MAC Data

b8

For future used

Attributes

Status

Comments / Remarks
Value is 1430

LLLVAR

Comments / Remarks

3.2. Response
Field Used
For Mac
Y or N

Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

Bit Map, Secondary

b64

Primary Account
Number

n24

Processing Code

n6

11

Systems Trace Audit

Number

n6

37

Retrieval Reference
Number

an12

39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

Format

LLVAR

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Bit
No.

Data field Name

Format

Attributes

Status

54

Additional Amounts

LLLVAR

ans.. 999

64

Primary MAC Data

b8

For future used

Attributes

Status

Comments / Remarks
Value is 1600

4.

Comments / Remarks

Field Used
For Mac
Y or N
Y
N

Administrative Messages

4.1. Request
Field Used
For Mac
Y or N

Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

Primary Account
Number

n24

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

Transaction

n12

41

Card Acceptor
Terminal Identification

ans 8

48

Additional Data

LLLVAR

ans.. 999

61

Additional Amounts
and Counters

LLLVAR

ans.. 999

64

Primary MAC Data

b8

For future used

Attributes

Status

Comments / Remarks
Value is 1610

Format

LLVAR

YYMMDDhhmmss

4.2. Response
Field Used
For Mac
Y or N

Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

Primary Account
Number

n24

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

n12

Format

LLVAR

YYMMDDhhmmss

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Bit
No.

Data field Name

Format

Attributes

Status

Comments / Remarks

Field Used
For Mac
Y or N

Transaction
39

Response Code

An3

41

Card Acceptor
Terminal Identification

ans 8

64

Primary MAC Data

b8

5.

For future used

Network Management Messages

5.1. Request
Bit
No.

Data field Name

Attributes

Status

Comments / Remarks

Message Type

n4

Value is 1804

Bit Map, Primary

b64

11

Systems Trace Audit

Number

n6

12

Date & Time, Local

Transaction

n12

24

Function Code

N3

Attributes

Status

Comments / Remarks
Value is 1814

Format

YYMMDDhhmmss

5.2. Response
Bit
No.

Data field Name

Message Type

n4

Bit Map, Primary

b64

11

Systems Trace Audit

Number

n6

24

Function Code

N3

39

Response Code

An3

Format

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MESSAGE MATCHING
1.

Message Matching Data Fields

Following set of fields takes part in message matching:

2.

Field 2. Primary Account Number;

Field 11. Systems Trace Audit Number;

Message Type.

Search of original request for responses

Key fields in matching response with request are Primary Account Number (field 2), and System
Trace Audit Number (field 11). Appropriate request message type (1100/1120/1420) is used as
value for matching.
The 810 response matching fields are Message Type and System Trace Audit Number (field 11).
Appropriate request message type (0800) is used as value for matching.

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APPENDIX A (FIELD 48)

1.

Structure Field 48

Size

Data

LLL

Tag 001

LLL 3

2.

Tag 002

Structure Tags of Data Field 48

Tag No

Length

Data

NNN

NNN

Ans .. 993

3.

Tag N

NNN bytes

Tag 001 Settlement type

Tag No

Length

Data

001

n1

Settlement type:
1 US-ON-US
2 US-ON-THEM
Must be present in 1100/1120/1121/1420/1421/1600 messages.

4.

Tag 002 SVFE Transaction Type

Tag No

Size

Data

002

n3

SVFE Transaction Type, refer to Field 3: Processing Code.

Must be present in 1100/1120/1121/1420/1421/1600 messages.
For 1600 message the value is 594.

5.

Tag 004 Full Name

Tag No

Size

Data

004

ans 40

Full Name.
Must be present in 1110 message for 684 SVFE transactions
type only.

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6.

Tag 005 Credit Type

Tag No

Size

Data

005

n3

Credit Type.
Must be present in 1110 message for 684 SVFE transactions
type only.

7.

Tag 006 Credit Issue Date

Tag No

Size

Data

006

N6

Credit Issue Date.

Format: YYMMDD
Must be present in 1110 message for 684 SVFE transactions
type only.

8.

Tag 007 Credit Issue Interval

Tag No

Size

Data

007

N6

Credit Issue Interval.

YYMMDD
Must be present in 1110 message for 684 SVFE transactions
type only.

9.

Tag 008 Credit End Date

Tag No

Size

Data

008

N6

YYMMDD
Must be present in 1110 message for 684 SVFE transactions
type only.

10. Tag 009 Credit Enable Date

Tag No

Size

Data

009

N6

YYMMDD
Must be present in 1110 message for 684 SVFE transactions
type only.

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11. Tag 010 Service Identifier

Tag No

Size

Data

010

Ans8

Service Identifier.
If available must be present in 1100/1120/1121 messages.

12. Tag 011 Service Data

Tag No

Size

Data

011

Ans 32

Service Data.
If available must be present in 1100/1120/1121 messages.

13. Tag 012 Prepaid Card Type

Tag No

Size

Data

012

ans 28

Prepaid Card Type

Must be present for 471 SVFE transaction type only.

14. Tag 013 Contract ID

Tag No

Size

Data

013

ans 6

Contract ID.
If available must be present in 1100/1120/1121 messages.

15. Tag 014 Address Verification Data

Tag No

Size

Data

014

Ans 30

Cardholder address
If available must be present in 1100 messages.

16. Tag 015 Postal Code Data

Tag No

Size

Data

015

Ans 9

Cardholder postal/ZIP code

If available must be present in 1100 messages.

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17. Tag 016 Installment Payment Quantity

Tag No

Size

Data

016

n3

Quantity of payments for Installment purchase

Must be present in 1100 messages if Transaction Code = 16.

18. Tag 017 Text Information Data

Tag No

Size

Data

017

Ans 99

Free form text data

Optional for 1110 messages

19. Tag 018 Card status

Tag No

Size

Data

018

n2

SVFE Card status:

0 valid card
1 call issuer
2 warm card
3 do not honor
4 honor with id
5 not permitted
6 lost card, capture
7 stolen card, capture
8 call security, capture
9 invalid card, capture
10 pick up card, special condition
11 call acquirer security
12 card is not activated
13 pin_attempts_exceeded
14 forced pin change
15 credit debts
17 pin activation
18 instant card personification waiting
19 fraud prevention
20 temprory blocked by client
21 permanent blocked by client
Must be present in 1100 messages if Transaction Code = 91.

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20. Tag 019 Account status

Tag No

Size

Data

019

n4

New account status:

0 No restrictions
1 No withdrawals
2 No withdrawals or transfers
3 Only balance inquiries
4 Only deposits
5 Only balance inquiries and deposits
6 Only balance inquiries, deposits and transfers
7 No operations allowed (account blocked)
Must be present in 1100 messages if Transaction Code = 94.

21. Tag 020 External code for operation

Tag No

Size

Data

020

ans ..25

External code for some service.

Must be present in 1100 messages if Transaction Code = 26.

22. Tag 021 Customer external account number

Tag No

Size

Data

021

ans ..99

External account number in service provider system.

If available must be present in 1100 messages.

23. Tag 022 Customer mobile phone number

Tag No

Size

Data

022

ans ..32

Mobile phone number for mobile top-up services.

If available must be present in 1100 messages.

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24. Tag 023 Account Funds Type

Tag No

Length

Data

023

an 1

Account Funds Type:

Available value:
0 Debit.
1 Debit with overdraft.
2 Credit.
Could be present in 1110 messages.

25. Tag 024 Additional operation information

Tag No

Length

Data

024

ans ..255

Additional operation information

Free form text
Could be present in 1100 messages.

26. Tag 090-099 Payment specific data

Tag No

Size

Data

090-099

ans ..25

Specific data for payment services.

If available must be present in 1100 messages.

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APPENDIX B (FIELD 54)

1.

Structure Field 54

Size

Data

LLL

Tag 001

LLL 3

2.

Tag 002

Structure Tags of Data Field 54

Tag No

Length

Data

NNN

NNN

Ans .. 99

3.

Tag N

NNN bytes

Tag 001 Acquirer Fee Amount

Tag No

Length

Data

001

N12

Acquirer Fee Amount

Could be present in 1100/1120/1420/1421 messages if acquirer
fee is available.

4.

Tag 002 Transaction Amount, Transaction

Currency

Tag No

Length

Data

002

N12

Transaction Amount, Transaction Currency.

Must be present in 1100/1420/1421 messages for 775, 705, 750,
703, 691, 692, 785 SVFE transactions type only.

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5.

Tag 003 Transaction Currency

Tag No

Length

Data

003

N13

Transaction Currency.
Must be present in 1100/1420/1421 messages for 775, 705, 750,
703, 691, 692, 785 SVFE transactions type only.
For 703 SVFE transactions type it contains Account TO
Currency.

6.

Tag 004 Amount, Credit Initial

Tag No

Length

Data

004

N12

Amount, Credit Initial.

Must be present in 1110 message for 684 SVFE transactions
type only.

7.

Tag 005 Amount, Total Credit

Tag No

Length

Data

005

n 12

Amount, Total Credit.

Must be present in 1110 message for 684 SVFE transactions
type only.

8.

Tag 006 Issuer Fee Amount and Currency

Tag No

Length

Data

006

an 16

Issuer Fee Amount and Currency:

Position 1 Fee Sign (C or D)
Positions 2-3 Fee Amount
Positions 14-16 Fee Currency (ISO N3 Format)
Could be present in 1100/1120/1420/1421 messages if issuer fee
is available.

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9.

Tag 007 Current Account Available Balance and

Currency

Tag No

Length

Data

007

an 16

Current Account Available Balance:

Position 1 Balance Sign (C or D)
Positions 2-3 Account Balance, amount
Positions 14-16 Account Currency (ISO N3 Format)
Could be present in 1110/1130/1430 messages and contains
account available balance.

10. Tag 008 Amount, Installed Exceed Limit

Tag No

Length

Data

008

an 12

Exceed Limit. This amount used to show overdraft or credit limit

value assigned to card account.
Could be present in 1110 messages and contains Installed credit
limit for credit or debit with overdraft account.

11. Tag 009 Amount, Available Exceed Limit

Tag No

Length

Data

009

an 12

Available Exceed Limit. This amount used to show available

overdraft or credit limit value assigned to card account.
Could be present in 1110 messages and contains Available credit
limit for credit or debit with overdraft account.

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APPENDIX C (FIELD 61)

1.

Structure Field 61

Size

Data

LLL

Tag 001

LLL 3

2.

Tag 002

Structure Tags of Data Field 61

Tag No

Length

Data

NNN

NNN

Ans .. 99

3.

Tag N

NNN bytes

Tag 001 Cash-In Counters

Tag No

Length

Data

001

n 15
or n 30
or n 45
or n 60

Counters at each active cassette (from 1 to 4) in format:

n 3 currency of cassette

4.

n 12 - amount in cassette

Tag 002 Recycling Counters

Tag No

Length

Data

002

n 15
or n 30
or n 45

Counters at each active cassette (from 1 to 3) in format:

n 3 currency of cassette

5.

n 12 - amount in cassette

Tag 003 Recycling Cash-Out Counters

Tag No

Length

Data

003

n 15
or n 30
or n 45

Cash-out counters at each active cassette (from 1 to 3) in format:

n 3 currency of cassette
n 12 - cash-out amount from cassette

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APPENDIX D (FIELD 95)

1.

Structure Field 95

Size

Data

LLL

Tag 001

LLL 3

2.

Tag 002

Structure Tags of Data Field 95

Tag No

Length

Data

NNN

NNN

Ans .. 99

3.

Tag N

NNN bytes

Tag 001 Transaction Amount, Transaction

Currency

Tag No

Length

Data

001

N12

Transaction Amount, Transaction Currency

4.

Tag 002 Transaction Amount, Account Currency

Tag No

Length

Data

002

N12

Transaction Amount, Account Currency

5.

Tag 003 Transaction Amount, Cardholder Billing

Currency

Tag No

Length

Data

003

N12

Transaction Amount, Cardholder Billing Currency

6.

Tag 006 Transaction Currency

Tag No

Length

Data

006

N3

Transaction Currency

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7.

Tag 007 Account Currency

Tag No

Length

Data

007

N3

Account Currency

8.

Tag 008 Cardholder Billing Currency

Tag No

Length

Data

008

N3

Cardholder Billing Currency

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LIST OF REVISIONS

Date

Name, Surname

Modifications

2010-10-14

Grigoriev A.S.

English version of document created. Revised edition.

2010-11-24

Grigoriev A.S.

Added operations: Debit account with presentment, Credit

account with presentment.

2011-02-04

Sasin S.S.

Changes in accordance with the Main Project: transaction

type for P2P_DEBIT (781) and UTILITY_PAYMENT
(508) is being changed to POSP (774), and CBS will never
know original operation type

2011-02-21

Ustinchenko A.G.

Added tag 002 to field 61

2011-05-25

Dudnikov V.M.

Added Account Verification transaction. Added tag 14, 15 to

field 48.

2011-05-27

Ustinchenko A.G.

Added tag 003 to field 61

2011-07-29

Dudnikov V.M.

Added tags 16, 17, 18 to field 48. Added field 91, Added
SVFE transaction types 493, 508, 510, 596, 603, 644, 672,
751, 753, 782, 797, 798, transaction codes 16, 91, 92, 93.
Added value 841 to field 24. Changed transaction code for
transaction types 585, 618. Removed transaction type 587.

2011-08-30

Sasin S.S.

New processing codes were added: 26 Service

Reimbursement, 94 Change Account Status.
New parameters for status and payments were added: tag
019 Account status, tag 020 External code for operation,
tag 021 Customer external account number, tag 022
Customer mobile phone number, tags 090-099 Payment
specific data.

2011-09-19

Kondrashin E.K.

Changed field 43 format and comment field 62.3

10

2011-09-19

Sasin S.S.

New processing code Predefined Service Payment (50)

was added.

11

2011-09-28

Dudnikov V.M.

Changed description of field 39.

12

2011-10-18

Ustinchenko A.G.

Added tag 008, 009 to field 54

Added tag 023 to field 48
Changed name of tag 007 of field 54

13

2011-11-03

Dudnikov V.M.

Added tag 24 to field 48.

14

2011-12-16

Dudnikov V.M.

Field 22 marked as optional.

15

2011-12-27

Dudnikov V.M.

Added SVFE transaction type 781.

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