STANDARD 70 - BOOK 2

CARD ACCEPTOR TO ACQUIRER INTERFACE STANDARDS

Messages, Data Elements and Code Values for Real-time Systems

UK Payments Administration (October 2009)

FOREWORD

INTRODUCTION

1 SCOPE

2 NORMATIVE REFERENCES

3 TERMS AND DEFINITIONS

4 SYMBOLS (AND ABBREVIATED TERMS)

4.1 Representation abbreviations and control characters

4.2 Abbreviated terms

5 MESSAGE STRUCTURE

5.1 Message components

5.2 Data elements

5.3 Data security

6 DATA ELEMENTS

6.1 Data element directory

6.2 General requirements for data elements

6.2.1 Character representation

6.2.1.1 Conversion of binary data to hexadecimal

6.2.1.2 Base-64

6.2.1.2.1 Base-64 encoding

6.2.1.2.2 Base-64 example

6.2.1.3 Hexadecimal coded tables

6.2.2 EMV data elements

6.3 Specific requirements for data elements

6.3.1 Amount (total) / session number

6.3.2 Authorisation code

6.3.3 Additional transaction security data

6.3.4 Balance code

6.3.5 Card acceptor number

6.3.6 Card details

6.3.6.1 General

6.3.6.2 Magnetic stripe read of track 2

6.3.6.3 Manually key entered data

6.3.6.4 IC supplied track 2 equivalent data

6.3.6.5 IC constructed track 2 equivalent data

6.3.6.6 Contactless reader magnetic stripe data

6.3.7 Confirmation code

6.3.8 Date and time

6.3.9 Descriptive data

6.3.10 Floor limits (pre and post communications)

6.3.11 IC request data

6.3.12 IC response data

6.3.13 Text message

6.3.14 Referral telephone number

6.3.15 Transaction amount

6.3.16 Transaction amount other

6.3.17 Cipher block

6.3.18 DCC conversion rate applied

7 MESSAGES AND TRANSACTIONS

7.1 Message protocol

7.1.1 General

7.1.2 Transactions

7.1.3 Post-event transactions

7.1.4 Re-try messages

7.1.5 Confirm checks

7.1.6 Mandatory and conditional data elements

8 MESSAGE CLASS DEFINITIONS

8.1 General

8.2 Authorisation message class

8.2.1 Authorisation description

8.2.2 Authorisation message rules

8.2.3 Authorisation message types

8.2.4 Authorisation mandatory and conditional data elements

8.2.5 Authorisation message flows

8.2.5.1 Authorisation message flows (summary)

8.2.5.2 Authorisation message flows (detail)

8.3 Financial presentment message class

8.3.1 Financial presentment description

8.3.2 Financial presentment message rules

8.3.3 Financial presentment message types

8.3.4 Financial presentment mandatory and conditional data elements

8.3.5 Financial presentment message flows

8.3.5.1 Financial presentment message flows (summary)

8.3.5.2 Financial presentment message flows (detail)

8.4 Reconciliation message class

8.4.1 Reconciliation description

8.4.2 Reconciliation message rules

8.4.3 Reconciliation message types

8.4.4 Reconciliation mandatory and conditional data elements

8.4.5 Reconciliation message flows

8.4.5.1 Reconciliation message flows (summary)

8.4.5.2 Reconciliation message flows (detail)

8.5 Message recovery

A CODE LISTINGS

A.1 ACQUIRER RESPONSE CODE

A.2 ADDITIONAL TRANSACTION SECURITY DATA CODES

A.3 BALANCE CODES

A.4 CONFIRMATION CODES

A.5 CONFIRMATION REQUEST CODES

A.6 DIAL INDICATOR CODES

A.7 REASON CODES

A.8 RESPONSE ADDITIONAL DATA CODES

A.9 TERMINAL TYPE CODES

A.10 TERMINAL ATTRIBUTES

A.11 EMV TERMINAL CAPABILITIES

A.12 PARTIAL APPROVAL TYPE CODES

B AUXILIARY DATA

B.1 AUXILIARY DATA PRINCIPLES

B.2 FORMAT OPTIONS OF AUXILIARY DATA

B.3 FORMATTING PRINCIPLES OF AUXILIARY DATA RECORD

B.4 AUXILIARY DATA RECORD FORMATS

B.4.1 Auxiliary data record types

B.4.2 Auxiliary data record type 01- Electronic commerce

B.4.3 Auxiliary data record type 02- Transax

B.4.4 Auxiliary data record type 03- Additional transaction data

B.4.4.1 General

B.4.4.2 Additional transaction data - Product data

B.4.4.3 Additional transaction data - DCC data

B.4.4.4 Additional transaction data - Reference data

B.4.4.5 Additional transaction data - Vehicle data

B.4.4.6 Additional transaction data - Purchasing customer reference data

B.4.5 Auxiliary data record type 04 - Residual Message Count

B.4.6 Auxiliary data record type 05 - Purchasing data

B.4.6.1 General

B.4.6.2 Purchasing data - Common commodity data

B.4.6.3 Purchasing data - Specific commodity data

B.4.7 Auxiliary data record type 06 - Extended terminal capabilities and attributes

B.4.8 Auxiliary data record type 07- Transaction totals data

B.4.9 Auxiliary data record type 08 - Acquirer data

B.4.10 Auxiliary data record type 09 - Partial approval

C MESSAGE TYPE CODES

D NOTES ON CSC/ADDRESS VERIFICATION

D.1 CSC/ADDRESS VERIFICATION