ANSI-X9.93-PART-1-2002.pdf
American National Standard for Financial Services X9.932002 Financial transaction messages - Electronic benefits transfer (EBT) Part 1: Messages Secretariat: Accredited Standards Committee X9, Inc. Approved: 10/1/02 American National Standards Institute Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 2002 - All rights reserved i Foreword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by the standards developer. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretations should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval. Published by Accredited Standards committee X9, Inc. P.O. Box 4035 Annapolis, Maryland 21403 USA Phone: 410-267-7707 or 301-879-7988 Fax: 301-879-5124 Email: Cindy.FullerX9.org Isabel.BaileyX9.org X9 online: http:/www.x9.org Copyright 2002 by Accredited Standards Committee X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Printed in the United States of America Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 ii 2002 - All rights reserved Contents Foreword.i Figures.v Tablesvi Introductionviii 1 Scope1 2 Normative references1 3 Terms and definitions .2 4 Symbols (and abbreviated terms)3 4.1 Representation abbreviations3 4.2 Abbreviated terms.3 5 Message structure.4 5.1 Message components.4 5.1.1 Message type .4 5.1.2 Message repeats5 5.2 Message bit maps5 5.3 Data element types5 5.3.1 Primitive data elements.6 5.3.2 Constructed data element.6 5.3.3 Composite data element.6 6 Data elements 6 6.1 Data element directory6 6.2 Data element rules.11 6.2.1 Additional data, private (bit 48)11 6.2.2 Additional response data (bit 44).12 6.2.3 Amount data elements12 6.2.4 Amounts, additional (bit 54) .12 6.2.5 Amounts, original (bit 30) .12 6.2.6 Track data elements12 6.2.7 Card acceptor name/location (bit 43) 13 6.2.8 POS and ATM transactions.13 6.2.9 Original data elements (bit 56) .13 6.2.10 EBT data (bit 62) 13 6.2.11 Retrieval reference number (bit 37) .13 7 Message and Transactions.14 7.1 General14 7.1.1 Mandatory and conditional data elements14 7.1.2 Message flows .14 7.1.3 Message errors 14 7.1.4 Exception message flows.15 7.2 Transaction processing16 7.2.1 Offline processing.16 7.2.2 Online processing .17 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 2002 - All rights reserved iii 8 Message class definitions17 8.1 Authorization message class.18 8.1.1 Authorization description.18 8.1.2 Authorization message rules .18 8.1.3 Authorization message type identifiers19 8.1.4 Authorization mandatory and conditional data elements.19 8.1.5 Authorization message flows.21 8.2 Financial Presentment message class21 8.2.1 Financial Presentment description21 8.2.2 Financial Presentment message rules21 8.2.3 Financial Presentment message type identifiers.22 8.2.4 Financial Presentment mandatory and conditional data elements23 8.2.5 Financial Presentment message flows .25 8.3 File action message class 26 8.3.1 File action description 26 8.3.2 File action message rules.26 8.3.3 File Action message type identifiers.26 8.3.4 File Action mandatory and conditional data elements26 8.3.5 File action message flows27 8.4 Reversal message class.27 8.4.1 Reversal description.27 8.4.2 Reversal message rules27 8.4.3 Reversal message type identifiers 28 8.4.4 Reversal message flows.30 8.5 Administrative message class.30 8.5.1 Error Messages description.30 8.5.2 Error Messages message rules .30 8.5.3 Error Messages message type identifiers 30 8.5.4 Error Messages mandatory and conditional data elements.31 8.5.5 Error Messages message flows.31 8.6 Network management message class.32 8.6.1 Network Management description.32 8.6.2 Network Management message rules.32 8.6.3 Network Management message type identifiers32 8.6.4 Network Management mandatory and conditional data elements.33 8.6.5 Network Management message flows.33 9 Message and Transaction matching .34 9.1 Message matching 34 9.2 Transaction matching.34 10 Maintenance of codes.35 10.1 Maintenance group responsibilities35 10.2 Applications for new code values .35 Annex A (normative) Data Elements in ISO 8583 bit number order .36 Annex B (informative) Data element code tables39 B.1 Account type codes (bit 3-2, 3-3 and 54-1) .39 B.2 Action codes (bit 39).39 B.3 Data identifiers (bit 48-1, bit 62-1)41 B.4 Amount type (bit 54-2).41 B.5 Authorization life cycle (bit 57) 42 B.6 Function codes (bit 24).42 B.7 Message reason codes (bit 25) 43 B.8 Message type identifier codes .43 B.8.1 All possible message type identifier codes43 B.8.2 Allocated message type identifier codes44 B.9 Point of service data code (bit 22).45 B.10 Processing Code (bit 3) 46 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 iv 2002 - All rights reserved B.10.1 Transaction type code (bit 3-1) 47 Annex C (informative) Implementation considerations .48 C.1 General48 C.2 Data representation.48 C.3 Institution identification codes 48 C.4 Use of optional data elements48 C.5 Mandatory data elements48 C.6 Store and forward transactions .49 Annex D (informative) Conversion guideline50 D.1 Data element differences50 D.1.1 Additions 50 D.1.2 Changes51 D.1.3 Deletions.51 D.2 Message processing differences.52 Bibliography53 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 2002 - All rights reserved v Figures Figure 1 Message bit maps 5 Figure 2 Exception message flows for time out reversals 15 Figure 3 Exception message flows for late response 16 Figure 4 Example transaction flows for 1x4, 2x4 offline transactions 17 Figure 5 Example transaction flows for 1x0, 2x0, 4x0 online transactions 17 Figure 6 Authorization message flows 21 Figure 7 Financial Presentment request/response message flows 25 Figure 8 Financial Presentment advice/advice response message flows 25 Figure 9 File action message flows 27 Figure 10 Reversal message flows 30 Figure 11 Error Messages flows 31 Figure 12 Network Management message flows 34 Figure C.1 Store and forward message flows 49 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 vi 2002 - All rights reserved Tables Table 1 Representation abbreviations.3 Table 2 Data element directory7 Table 3 Amounts in types of Authorization messages19 Table 4 Authorization message type identifiers.19 Table 5 Authorization mandatory and conditional data elements19 Table 6 Amounts in types of Financial Presentment transaction messages.22 Table 7 Financial Presentment message type identifiers22 Table 8 Financial Presentment mandatory and conditional data elements.23 Table 9 File Action message type identifiers .26 Table 10 File action mandatory and conditional data elements.26 Table 11 Financial Presentments that are not reversals .27 Table 12 Amounts in Reversal messages .28 Table 13 Reversal message type identifiers28 Table 14 Reversal mandatory and conditional data elements.29 Table 15 Error Messages message type identifiers.31 Table 16 Error messages mandatory and conditional data elements .31 Table 17 Network Management message type identifiers.32 Table 18 Network Management mandatory and conditional data elements33 Table A.1 Data elements in bit number order36 Table B.1 Account type codes .39 Table B.2 Action codes39 Table B.3 Data identifier values.41 Table B.4 Amount type codes41 Table B.5 authorization life cycle codes.42 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 2002 - All rights reserved vii Table B.6 Function codes42 Table B.7 Message reason codes .43 Table B.8 Message type identifier .43 Table B.9 Allocated message type identifiers44 Table B.10 POS data code45 Table B.11 Processing code values for POS and ATM.46 Table B.12 Transaction type codes .47 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 viii 2002 - All rights reserved Introduction Services of the financial industry include the exchange of electronic messages relating to financial transactions. Electronic benefits transfer (EBT) services allow the exchange of these messages to process federal and state government benefits for recipients. The Women, Infants and Children (WIC) benefit program is one of these services. This American National Standard is designed as an interface specification enabling messages to be exchanged between the various parties involved in EBT programs. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., P.O. Box 4035, Annapolis, Maryland 21403 USA. This Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. The X9 committee had the following members: Harold Deal, X9 Chairman William Lyons, X9 Vice-Chairman Cynthia Fuller, Managing Director Darlene Schubert, Program Manager Organization Represented Representative ACI Worldwide Cindy Rink ACI Worldwide Jim Shaffer American Bankers Association Stephen Schutze American Express Company Barbara Wakefield American Express Company Dick Schreiber American Express Company Gerry Smith American Express Company Mike Jones American Express Company Mark Merkow BancTec, Inc. Christopher Dowdell BancTec, Inc. David Hunt Bank of America Mack Hicks Bank of America Daniel Welch Bank of America Richard Phillips Bank One Corporation Jacqueline Pagan Bank One Corporation Kimberly Ray BB and T Harold G. Deal Caradas Richard P. Kastner Caradas John Gould Caradas Tom Johnston Certicom Corporation Daniel Brown Certicom Corporation Brenda Klein Check Solutions Harry Hankla Check Solutions Jerry Bowman Check Solutions Ron Schultz Check Solutions Don Harman Citigroup, Inc. Daniel Schutzer Citigroup, Inc. Mark Scott Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=listmgr, listmgr Not for Resale, 04/29/2007 20:12:52 MDTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.932002 2002 - All rights reserved ix Citigroup, Inc. Skip Zehnder Compaq Computer Corporation Larry Hines Compaq Computer Corporation Gary Lefkowitz Datum, Inc. Sandra Lambert Datum, Inc. John Bernardi Datum, Inc. Jerry Willett Deluxe Corporation Maury Jansen Depository Trust and Clearing Corporation Sandra Dinetz Diebold, Inc. Judy Edwards Diebold, Inc. Bruce Chapa Discover Financial Services Masood Mirza Discover Financial Services Patsie Rinchiuso Discover Financial Services Pamela Ellington eFunds Corporation Cory Surges eFunds Corporation Chuck Bram eFunds Corporation Forrest Martin eFunds Corporation Joseph Stein eFunds Corporation Daniel Rick eFunds Corporation Richard Fird Federal Reserve Bank Dexter Holt Federal Reserve Bank Gary Chaulklin Federal Reserve Bank Jeannine M. DeLano First Data Corporation Gene Kathol Food Marketing Institute Stacy Fitzgerald-Redd Food Marketing Institute Ted Mason Griffin Consulting Harriette Griffin Griffin Consulting Phil Griffin J.P. Morgan Chase and Co
