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1、ASC X9-TG-23-Part 1-1999 Financial Services Technical Guideline Developed by Accedited Standard Committee X9 - Financial Services IMPLEMENTATION GUIDE FOR IS0 8583-BASED CARD ACCEPTOR TO HOST MESSAGES - PART 1 - CONVENIENCE STORE AND PETROLEUM MARKETING INDUSTRY Developed by Accedited Standards Comm
2、ittee X9-Financial Services Approved by ASC-X9 May 20,1999 O 1999 American Bankers Association All rights reserved COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services ANSI
3、X9/TG.23 Contents 1 SCOPE 21 2 ENVIRONMENT 22 2.1 TRANSACTION PROCESSING COMPONENTS AND TRANSACTION FLOW . 22 2.2 ADMINISTRATIVE PROCESSING . 24 3 NORMATIVE REFERENCE(S) 25 4 DEFINITION(S) . 25 5 SYMBOLS AND ABBREVIATIONS . 28 6 ORGANIZATION 29 7 PROCESSING ENVIRONMENT 30 7.1 COMMUNICATIONS INFRASTR
4、UCTURE 30 Version number bosition 1) . 30 Message class bosition 2) . 31 Message function bosition 3) 31 Message originator bosition 4) . 32 7.3 DATA ELEMENT IDENTIFICATION 32 7.4 DEFAULT VALUES OF DATA ELEMENTS . 33 7.5 PROCESSING CONTROLS . 33 Host control mode . 33 Terminal control mode 33 7.6 HO
5、ST-BASED STORED VALUE . 34 DATA ELEMENT DEFINITIONS 35 8.1 ATTRIBUTE SPECIFICATION 35 Communication diagnostics (element 48-1) 36 Hardware and software configuration (element 48-2) 37 Multiple transaction control (element 48-7) . 38 Customer data (element 48-8) 38 Example PINencyption methodology (e
6、lement 48-14) 39 Example o f message control data . 40 8.3 PRODUCT DATA - INDUSTRY SPECIFIC (BIT 63 - RESERVED FOR PRIVATE USE) 40 8.4 CARDHOLDER ACCOUNT IDENTIFICATION . 42 8.5 CARD ACCEPTOR IDENTIFICATION 43 8.6 8.7 CHECK MICR DATA (BIT 103) . 44 8.8 PROPRIETARY RECONCILIATION TOTALS (BIT 123) 44
7、8.9 BIOMETRICS 44 9 MESSAGE CONTENT . 45 7.2 MESSAGE TYPES AND STRUCTURE 30 . . 7.2.1 7.2.2 7.2.3 7.2.4 . . 7.5.1 7.5.2 7.5.3 Hybrid control mode 34 8 8.2 MESSAGE CONTROL DATA ELEMENTS (BIT 48 - RESERVED FOR PRIVATE USE) . 36 8.2.1 8.2.2 8.2.3 8.2.4 8.2.5 8.2.6 CURRENCY CODE DEFAULT VALUE (BIT 49) 4
8、3 i COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services ANSI X9lTG.23 ABA 9.1 AUTHORIZATION MESSAGES . 46 9.2 FINANCIAL TRANSACTION MESSAGES . 49 9.3 FILE UPDATE MESSAGES 5
9、4 9.4 REVERSAL MESSAGES 57 9.5 RECONCILIATION CONTROL MESSAGES . 60 9.6 ADMINISTRATIVE MESSAGES . 63 9.7 NETWORK MANAGEMENT MESSAGES 66 RECOMMENDED MESSAGE FLOWS . 69 INDOOR POST-PAY (CREDIT CARD) . 71 POST-PAY SALE (DEBIT CARD WITH PIN) 73 FLEET CARD SALE (CUSTOMER DATA ENTRY) . 78 PREPAY - FUNDS R
10、ESERVATION (DEBIT CARD WITH PIN) 82 PREPAY (FLEET CARD) 86 10.10 RETURN/REFUND 91 ADJLTSTMENT (RETURN WITH MATCHED TRANSACTION) 93 STORE AND FORWARD TRANSACTIONS . 95 CHECK AUTHORIZATION/GUARANTEE (DRIVERS LICENSE AND MICR DATA) . 101 Hybrid control, reconciliation by card acceptor (in balance) . 10
11、3 Hybrid control, reconciliation by card acceptor (out o f balance) . 106 STORED VALUE CARD ACTIVATION (MAGNETIC STRIPE BASED) . 114 STORED VALUE CARD LOAD VALUE (MAGNETIC STRIPE CARD) 116 STORED VALUE CARD BALANCE INQUIRY (MAGNETIC STRIPE CARD) 118 PRE-AUTHORIZATION (CREDIT CARD) 120 10.19 CASH SAL
12、E . 122 FAILED DEBIT SALE (TIME-OUT) WITH REVERSAL . 124 PRE-AUTHORIZATION OR FUNDS RESERVATION REQUEST AND REVERSAL 127 ADMINISTRATIVE MESSAGE (E-MAIL) 130 Administrative message from acquiring host to card acceptor 130 NETWORK MESSAGE (DIAL STATISTICS) . 133 10.24 FILE DOWNLOAD . 135 KEY MANAGEMEN
13、T (SESSION KEY) 138 10 10.1 10.2 10.3 10.4 10.6 10.7 10.8 10.9 10.11 10.12 10.13 10.14 BATCH RECONCILIATION/TRANSMITTAL 103 POST-PAY SALE (STORED VALUE CARD) . 76 10.5 PREPAY (INDOOR) - (CARD VERIFYUSING TRACK 2 CARD DATA) 80 PREPAY (STORED VALUE CARD APPROVED FOR LESSER AMOUNT) . 84 OUTDOOR PREPAY
14、(WID TRANSPONDER) . 88 1 O . 14.1 10.14.2 10.15 10.16 10.17 10.18 10.20 10.21 10.22 10.22.1 10.22.2 Administrative message from card acceptor to acquiring host 130 10.23 10.25 11 HOST MESSAGE FORMATS . 140 ANNEX A . CONVENIENCE STORE/PETROLEUM MARKETING INDUSTRY DATA ELEMENT CODES (NORMATIVE) . 145
15、A.l A.3 A.4 AS A.6 RESULT OF PREVIOUS CONTACT (DATA ELEMENT 48-1-2) 145 MULTIPLE TRANSACT10N RESPONSE INDICATOR (DATA ELEMENT 48-7-1) 146 TYPE OF CUSTOMER DATA (DATA ELEMENT 48-8-2) 147 SERVICE LEVEL (DATA ELEMENT 63-1) . 147 UNIT OF MEASURE (DATA ELEMENT 63-5) . 148 PROCESSING CODE (BIT 03) 149 FUN
16、CTION CODE (BIT 24) . 149 MESSAGE REASON CODE (BIT 25) . 149 A.2 HOST CONNECTED (DATA ELEMENT 48-1-3) . 146 ANNEX B - PRIVATE VALUES OF DATA ELEMENTS (NORMATIVE) . 149 B.l B.2 B.3 ii COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National
17、 Standards Institute Licensed by Information Handling Services ANSI X9/TG.23 OABA B.4 ACTION CODE (BIT 39) . 150 ANNEX C - DATA ELEMENT USAGE (NORMATIVE) . 151 ANNEX D - TYPICAL VALUES OF IS0 8583 DATA ELEMENT CODES (INFORMATIVE) . 158 D.l D.2 D.3 PROCESSING CODE (BIT 3) 158 POINT OF SERVICE DATA CO
18、DE (BIT 22) 159 CARD ACCEPTOR BUSINESS CODE (BIT 26) . 162 ANNEX E - SAMPLE MESSAGES (INFORMATIVE). 1 63 E.l INDOOR POST-PAY (CREDIT CARD) 163 E. 1.1 Indoor post-pay request message (1200) . 163 E.1.2 E.2.1 E.2.2 E.3.1 E.3.2 E.4.1 E.4.2 E. 5.1 E.5.2 E. 6.1 E. 6.2 E. 7.1 E. 7.2 E.8.1 E.8.2 Fleet card
19、 sale repay with stored value card) response message (1110). . E.9.1 Outdoor prepay (RFID transponder) request message (1 . 165 E.9.2 Outdoor prepay (RFID transponder) request response m 110) 165 E.9.4 Outdoor prepay (RFID transponder) advice response message (1210) . 166 E.10 BTURNREFUND 166 E. 1 O
20、. 1 . 166 E. 1 O. 2 . 166 Indoorpost-pay response message (1210) Post-pay sale (debit card with PIN) request message (1200) Post-pay sale (debit card with PIN) response message (1210) Post-pay sale (stored value card) request message (1200) Post-pay sale (stored value card) response message (1210).
21、. Fleet card sale (customer data enty) request message (1200) Fleet card sale (customer data enty) response message (1210) E.2 POST-PAY SALE (DEBIT CARD WITH PIN) E.3 POST-PAY SALE (STORED VALUE CARD) . E.4 FLEET CARD SALE (CUSTOMER DATA ENTRY) . E.5 PREPAY (INDOOR) - (CARD VERIFY USING TRACK 2 CARD
22、 DATA) Prepay (indoor - card verfy) request message (1 100) . Prepay (indoor - card verfy) response message (111 O) . E.6 PREPAY - FUNDS RESERVATION (DEBIT CARD WITH PIN) . Prepay - Funds Reservation (debit card with Pm) request mess Prepay - Funds Reservation (debit card with PIN) response me E.7 P
23、REPAY (STORED VALUE CARD APPROVED FOR LESSER AMOUNT) 165 Prepay (approved for lesser amount) request message (1 100) . Prepay (approved for lesser amount) response message (1 11 O) . E.8 FLEET CARD SALE (STORED VALUE CARD) 165 E.9 OUTDOOR PREPAY (RFID TRANSPONDER) 165 E.9.3 Outdoor prepay (RFID tran
24、sponder) advice message (1 . 166 Fleet card sale repay with stored value card) request message (11 00) Returnirefund request message (1200) . Returnhefund response message (1210). E. 1 1 ADJLTSTMENT (RETURN WITH MATCHED TRANSACTION) 166 E. 11.1 Adjustment advice message (1220). . 166 E. 11.2 Adjustm
25、ent advice response message (1230) . 166 E.12 STORE AND FORWARD TRANSACTIONS . 166 E.12.1 Store and forward transaction advice message (1220) (ref 10.5). 166 E.12.2 Store and forward transaction advice message (1220) (ref 10.7). 167 E. 12.3 Store and forward transaction advice message (1220) (manual
26、 authorization). . 167 E.12.4 Store and forward transaction response message (1230) (ref 10.12.1) 167 E.12.5 Store and forward transaction response message (1230) (ref 10.12.2) 167 E.12.6 Store and forward transaction response message (1230) (rej 10.12.3) 167 167 E. 13.1 167 E. 13.2 168 E. 13 CHECK
27、AUTHORIZATION (DRIVERS LICENSE AND MICR DATA) . Check authorization/guarantee request message (1 100) Check authorization/guarantee response message (111 O). . iii COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institut
28、e Licensed by Information Handling Services ANSI X9/TG.23 ABA E.14 BATCH RECONCILIATION/TRANSMITTAL 168 E . 14.1 Reconciliation request message (1504) (Final reconciliation. in balance) . 168 E.14.2 Reconciliation request response message (1514) 168 E . 14.3 Reconciliation request message (1504) (Re
29、conciliation out o f balance) . 168 E . 14.4 Reconciliation request response message (1514) 168 E . 14.5 Transaction repeat message (1221) 168 E . 14.6 Transaction repeat response message (1231) . 168 E.14.7 Reconciliation advice message (1524) 169 E . 14.8 Reconciliation advice response message (15
30、34) (in balance) 169 STORED VALUE CARD ACTIVATION 169 E.15.1 Stored value card activation request message (1200) . 169 E.15.2 Stored value card activation response message (1210) . 169 STORED VALUE CARD LOAD VALUE (MAGNETIC STRIPE CARD) 169 E . 16.1 Stored value card load value request message (1200
31、) . 169 E . 16.2 Stored value card load value response message (121 O) 169 E . 17.1 Stored value card balance inqui y request message (11 00) . 169 E . 1 7.2 Stored value card balance inqui y response message (1 11 O) 169 PRE-AUTHORIZATION (CREDIT CARD) 170 E . 18.1 Pre-authorization request message
32、 (1 100) . 170 E . 18.2 Pre-authorization request response message (1 11 O) . 170 E.19 CASH SALE . 170 E.19.1 Cash sale advice message (1220) . 170 E.19.2 Cash sale advice response message (1210) 170 FAILED DEBIT SALE (TIME-OUT) WITH REVERSAL . 170 E.20.1 Failed debit sale request message (1200) . 1
33、70 E.20.2 Failed debit sale - Reversal advice message (1420) (Example o f time-out) . 170 E.20.3 Failed debit sale - Reversal advice response message (1430) . 170 PRE-AUTHORIZATION OR FUNDS RESERVATION REQUEST AND REVERSAL 170 E.21.1 Failed funds reservation request message (1100) (Example o f debit
34、 card) E.15 E.16 E.17 STORED VALUE CARD BALANCE INQUIRY (MAGNETIC STRIPE CARD) 169 E.18 E.20 E.21 E.22.1 E.22.3 Card acceptor e-mail request message (1 604) Card acceptor e-mail to send request message E.23 NETWORK MESSAGE (DIAL STATISTICS) . 171 E.23.1 Network management request message (1804) . 17
35、1 E.23.2 Network management response message (1814) . 171 E.24 FILE DOWNLOAD . 172 E.24.1 File download first) request message (1304) . 172 E.24.2 File download first) response message (1314) . 172 E.24.3 File download (subsequent) request message (1304) 172 E.24.4 File download (subsequent) respons
36、e message (1314) 172 E.25 KEY MANAGEMENT . 172 E.25.1 Key management request message (1804) 172 E.25.2 Key management response message (1814) 172 ANNEX F - DATA TRANSPARENCY (INFORMATIVE) . 173 F.l DESCRIPTION 173 F.2 COMMON LIMITATIONS 173 173 F.2.1 Protocols that transmit data using seven data bit
37、s and oddparity iv COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services ANSI X9/TG.23 O A B A F.2.2. Session level protocol . 174 F.2.3. 175 F.2.4 Recommendations . 176 TRAN
38、SACTION VERSUS BATCH PROTOCOLS . 176 ANNEX G -NATIONAL USE VALUES OF IS0 8583 DATA ELEMENTS (INFORMATIVE) 178 PROCESSING CODE (BIT 03) 178 ACTION CODE (BIT 39) . 178 ANNEX H - COMPARATIVE MESSAGE SIZES (INFORMATIVE) 179 Protocols that limit data to printable characters and specjc control codes . F.3
39、 G.l G.2 V COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services ANSI X9lTG.23 ABA Figures Figure 2.1 Transaction processing components . 23 Figure 2.2 Administrative process
40、ing components 24 Figure 10.1 Indoor post-pay (credit card) message flow 71 Figure 10.2 Post-pay sale (debit card with PIN) message flow 73 Figure 10.3 Post-pay sale (stored value card) message flow 76 Figure 10.4 Fleet card sale (customer data entry) message flow 78 Figure 10.6 Prepay - Funds reser
41、vation (debit card with PIN) message flow . 82 Figure 10.7 Prepay (stored value card approved for lesser amount) message flow . 84 Figure 10.8 Prepay (Fleet card) message flow . 86 Figure 10.9 Outdoor prepay (WID transponder) message flow 88 Figure 10.10 Returdrefwid message flow . 91 Figure 1 O . 1
42、 1 Adjustment (return with matched transaction) message flow 93 Figure 10.5 Prepay (indoor) - (card verify using Track 2 card data) message flow 80 Figure 10.12 Store and forward transaction message flow . 95 Table 10.12.1 Store and forward transaction advice message (1220) (ref 10.5 example) 96 Fig
43、ure 1 O . 13 Check authorizatiodguarantee message flow . 101 Figure 1 O . 14.1 Hybrid control, reconciliation in balance message flow 103 Figure 1 O . 14.2 Hybrid control, reconciliation out of balance message flow 106 Figure 1 O . 15 Stored value card activation message flow . 114 Figure 10.16 Stor
44、ed value card load value message flow 116 Figure 1 O . 17 Stored value card balance inquiry message flow . 118 Figure 1 O . 18 Pre-authorization (credit card) message flow 120 vi COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Sta
45、ndards Institute Licensed by Information Handling Services ANSI X9/TG.23 OABA Figure 10.19 Cash sale message flow 122 Figure 10.20 Failed debit sale (time-out) with reversal message flow 124 Figure 10.2 1 Pre-authorization or Funds reservation request and reversal message flow . 127 Figure 10.22.1 A
46、dministrative message from acquiring host to card acceptor message flow 130 Figure 10.22.2 Administrative message from card acceptor to acquiring host message flow 130 Figure 10.23 Network message (dial statistics) message flow . 133 Figure 10.24 File download message flow 135 Figure 10.25 Key manag
47、ement (session key) message flow 138 vii COPYRIGHT American National Standards Institute Licensed by Information Handling Services COPYRIGHT American National Standards Institute Licensed by Information Handling Services ANSI X9lTG.23 ABA Tables Table 7.1 Table 7.2 Table 7.3 Table 8.1 Table 8.2 Tabl
48、e 8.3 Table 8.4 Table 8.5 Table 8.6 Table 8.7 Table 8.8 Value of message class 31 Values of message function . 32 Values of message originator . 32 Message control data elements (bit 48) 36 Communication diagnostics data elements . 37 Hardware and software configuration data elements 37 Multiple tra
49、nsaction control data elements . 38 Customer data elements . 38 Example key management data values . 39 Example cryptographic algorithm data values 40 Data elements for product data . 41 Table 9 Data element usage classification codes . 45 Table 9.1.1 Authorization request (1 100) . 47 Table 9.1.2 Authorization request response (1 1 1 O) . 48 Table 9.2.1 Financial transaction request (1200) . 50 Table 9.2.2 Financial transaction request response (1210) 51 Table 9.2.3 Financial transaction advice (1 220) or notification (1 240) 52 Table 9.2.4 Financial transaction advice
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