Temenos - Country Model Banks

Generic ATM Framework

GPACK_ATMI
User Guide

Information in this document is subject to change without notice.

No part of this document may be reproduced or transmitted in any form or by any means, for any purpose,
without the express written permission of TEMENOS HEADQUARTERS SA.

COPYRIGHT 2007 - 2008 TEMENOS HEADQUARTERS SA. All rights reserved.

 Generic ATM Framework

Amendment History

Version Date Author Status Description

0.1 31-Jan-2013 Pradeep M T Draft Initial Release

0.2 20-Mar-2013 Pradeep M T Amendment New Tables were added

1.0 20-Mar-2013 Haripriya Base lined

1.1 04-Apr-2013 Pradeep M T Amendment Charge Tables were modified
2.0 04-Apr-2013 Pradeep M T Base lined
2.1 17-May-2013 Pradeep M T Amendment Phoenix Interface Integrated
2.2 28-June-2013 Pradeep M T Amendment Generic issues were fixed

3.0 01-July-2013 Pradeep M T Base lined

Comments:

The user guide is created for Multiport ATM Interface of ISO8583:87/93 versions and Phoenix nix
Interface.

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Table of Contents

1. Document Purpose ............................................................................................................. 8

2. Functionality Overview ....................................................................................................... 8
Application Servers supported by ATM Interface 8
3. General Flow diagram ........................................................................................................ 9
How is it working? 9
Purpose .............................................................................................................................. 9
Message processing in T24 ............................................................................................. 10
4. Work Flow by transactions ............................................................................................... 11
4.1 NETWORK MESSAGES ....................................................................................... 11
4.2 BALANCE ENQUIRY............................................................................................. 11
4.3 CASH WITHDRAWAL ........................................................................................... 12
4.4 MINI STATEMENT ................................................................................................ 13
4.5 STATEMENT REQUEST* ..................................................................................... 13
4.6 PURCHASE TRANSACTIONS ............................................................................. 14
4.7 INTRABANK TRANSACTIONS ............................................................................. 15
4.8 CASH DEPOSIT*................................................................................................... 16
4.9 UTILITY BILL PAYMENT* ..................................................................................... 16
4.10 CHEQUE DEPOSIT* ............................................................................................. 17
4.11 CHEQUE BOOK REQUEST* ................................................................................ 18
4.12 FULL REVERSALS ............................................................................................... 18
4.13 PARTIAL REVERSALS ......................................................................................... 19
4.14 PAYMENT VIA TELLER*....................................................................................... 19
5. ATM Parameterization ...................................................................................................... 20
5.1 INTRF.MESSAGE ................................................................................................. 20
5.2 INTRF.MAPPING ................................................................................................... 24
5.3 ATM.PARAMETER ................................................................................................ 29
5.4 ATM.TERMINAL.ACCT ......................................................................................... 32
5.5 ATM.TRANSACTION ............................................................................................ 34
5.6 ATM.DUAL.TRANSACTION .................................................................................. 37
5.7 ATM.RES.CODE.TABLE ....................................................................................... 38
5.8 ATM.STMT.REQ .................................................................................................... 39
5.9 ATM.CHG.TABLE .................................................................................................. 40
5.10 ATM.CHG.DETAIL ................................................................................................. 44
5.11 ATM.SPLIT.CHG.TABLE ....................................................................................... 45
5.12 ATM.PROCESSING.CODE ................................................................................... 46
5.13 ATM.MTI ................................................................................................................ 47

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5.14 VERSIONS ............................................................................................................ 48

5.15 ENQUIRES ............................................................................................................ 49
5.16 SERVICES ............................................................................................................. 49
5.17 Main Subroutines Descriptions .............................................................................. 49
6. Transaction Message Format ........................................................................................... 54
6.1 Base24/ISO Transaction Message 54
6.1.1 Message Header ................................................................................................... 54
6.1.2 Bitmap Message Format........................................................................................ 54
6.1.2.1 Message type identifier 54
6.1.2.2 Bitmaps 55
6.1.2.3 Data Elements Definitions 55
Field #2: Primary Account Number (PAN) 55
Field #3: Processing Code 55
Field #4: Transaction Amount 56
Field #5: Settlement Amount 56
Field #6: Equivalent Amount (Cardholder Billing) 57
Field #7: Transmission Date and Time 57
Field #9 – Conversion rate, Settlement 57
Field #10: Conversion Rate (Cardholder Billing) 57
Field #11: System Trace 58
Field #12: Local Transaction Time 58
Field #13: Local Transaction Date 58
Field #15: Settlement Date 58
Field #18: Merchant Type 58
Field #19: Acquiring Institution Country Code 58
Field #22: Point-of-Service Entry Mode 59
Field #25: Point-of-Service Condition Code 59
Field #26: Point-of-Service PIN Capture Code 59
Field #28: Amount, Transaction fee 59
Field #29: Amount, settlement fee 59
Field #32: Acquiring Institution Code 59
Field #33: Forwarding Institution Code 60
Field #35: Track-2 Data 60
Field #37: Retrieval Reference Number 60
Field #38: Authorization Number 60
Field #39: Response Code 60
Field #41: Card Acceptor Terminal Identification 60
Field #42: Card Acceptor Identification Code 61
Field #43: Card Acceptor Name/Location 61
Field #44: Additional Response Data 61

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Field #45: Track-1 Data 61

Field #48: Additional Data 61
Field #49: Transaction Currency Code 61
Field #50: Currency Code, Settlement 62
Field #51: Currency Code, Cardholder Billing 62
Field #54: Additional Amounts 62
Field #60: Terminal Totals 63
Field #63: Reversal Reason Code 63
Field #70: Network Management Information 63
Field #74: Credits, Number 63
Field #75: Credits, Reversal Number 63
Field #76: Debits, Number 63
Field #77: Debits, Reversal Number 63
Field #78: Transfers, Number 64
Field #79: Transfers, Reversal Number 64
Field #80: Inquiries, Number 64
Field #81: Authorizations, Number 64
Field #82: Credits, Processing Fee Amount 64
Field #83: Credits, Transaction Fee Amount 64
Field #84: Debits, Processing Fee Amount 64
Field #85: Debit, Transaction Fee Amount 64
Field #86: Credits, Amount 65
Field #87: Credits, Reversal Amount 65
Field #88: Debits, Amount 65
Field #89: Debits, Reversal Amount 65
Field #90: Original Data Elements 65
Field #95: Replacement Amounts 65
Field #97: Amount, Net Settlement 66
Field #99: Settlement Institution Identification Code 66
Field #100: Receiving Institution Identification Code 66
Field #102: From Account Number 66
Field #103: To Account Number 66
Field #127: For Private Use 66
Field #128: MAC 66
6.2 PHOENIX Transaction Message 67
6.2.1 Message type identifier .......................................................................................... 67
6.2.2 Data Elements Definitions ..................................................................................... 67
Field #1: Customer Identification Number 67
Field #2: Primary Account Number (PAN) 67
Field #3: Processing Code 67

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Field #4: Transaction Amount 68

Field #5: Settlement Amount 68
Field #6: Equivalent Amount (Cardholder Billing) 68
Field #7: Transmission Date and Time 68
Field #8 – Conversion rate, Settlement 69
Field #9 – Transaction rate 69
Field #10: System Audit Trace 69
Field #11: Local Transaction Time 69
Field #12: Local Transaction Date 69
Field #13: Expiry Date 69
Field #14: Settlement Date 70
Field #17: Merchant Type 70
Field #18: Source Channel Type 70
Field #19: Destination Type 70
Field #20: Acquiring Institution Country Code 70
Field #21: Point-of-Service Country Mode 70
Field #22: Point-of-Service Entry Mode 70
Field #23: Point-of-Service Condition Code 71
Field #24: Point-of-Service PIN Capture Code 71
Field #25: Acquiring Institution Code 71
Field #26: Forwarding Institution Code 71
Field #27: Track-2 Data 71
Field #28: Track-3 Data 71
Field #29: Retrieval Reference Number 71
Field #30: Authorization Number 72
Field #31: Response Code 72
Field #32: Card Acceptor Terminal Identification 72
Field #33: Card Acceptor Identification Code 72
Field #34: Card Acceptor Name/Location 72
Field #35: Additional Response Data 72
Field #36: Track-1 Data 73
Field #37: Additional Data 73
Field #38: Transaction Currency Code 73
Field #39: Currency Code, Settlement 73
Field #40: Currency Code, Cardholder Billing 73
Field #47: Original Data Elements 74
Field #48: Replacement Amounts 74
Field #50: From Account Number 74
Field #51: To Account Number 74
Field #53: Additional Data 74

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7. ISO Message Field Format .............................................................................................. 75

7.1 Base24/ ATM 75
7.1.1 Online Transactions ............................................................................................... 75
7.1.2 Force Posts/Advice Transactions .......................................................................... 76
7.1.3 Reversal Transactions ........................................................................................... 78
7.1.4 Network Transactions ............................................................................................ 79
7.2 Phoenix 80
7.2.1 Online Transactions ............................................................................................... 80
7.2.2 Reversal Transactions ........................................................................................... 81
7.2.3 Network Transactions ............................................................................................ 82
8. Frequently asked Questions ............................................................................................. 83
9. Exceptions ........................................................................................................................ 85

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 Generic ATM Framework

1. Document Purpose
This document provides information about the Functional workflow, templates/versions/enquires used
and ISO Message standards supported in ATM Interface.

2. Functionality Overview
ISO 8583 is a standard for creating and reading financial transaction messages including Point of Sale
(POS) transactions, Automated Teller Machines (ATM) and network-to-network, real-time financial
transactions. These messages enable consumers to withdraw money from ATM's and conduct
business in a real-time world.
The ATM Interface is developed as a middle layer between the ATM SWITCH and T24. The interface
consists of a plug-in for Application Server to receive the messages via a dedicated port and translate
the ISO messages. Application Server sends the ISO message to T24 where the ISO message
converted to OFS message format based on the mapping files to be updated on to T24 applications.
After the transaction has been completed at T24, the response ISO messages are formatted within the
scope of the ATM Interface. The response messages are indicated with the appropriate error or ok
status depending upon the T24 applications reply status.
The protocol used for communication between the host and the switch is usually TCP/IP via sockets.
ATM interface provide a high performance multi-threaded synchronous socket listener that has custom
functionality/intelligence built-in for handling ISO messages with length prefix through TCP/IP.
Application Server can be configured for listening ISO messages on any number of ports as required
by the load on the site. However, a judicious choice should be made considering the load so that not
to leave too many ports listening idle. The switch should try to throw open multiple
sockets/connections on the same port(s) when the load increases.
The main features of this interface is to caters all the standard ATM operations like Cash withdrawal,
Point of Sale, Balance enquiry, Mini statement, Statement request, Account transfer, Cash Deposit
and Cheque Book Request.
Note: ATM Interface supports ISO 8583:87 and ISO 8583:93 versions only. All Functionality specified
below is supported for both ISO 8583:87/93 versions.

Application Servers supported by ATM Interface

These are the Application servers supported by ATM Interface.
 TC Server
 Jboss
 Websphere
 Weblogic

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3. General Flow diagram

0800/1800 T24 HOST

0420/1420
0200/1200
Application Server
0220/1220 (ISO MESSAGE)
ATM
MACHINE
0810/1810
(Switch)
0430/1430 ISO Request ISO Response
0210/1210
0230/1230 (ISO MESSAGE)
ATM FRAMEWORK

How is it working?
When a customer uses an ATM terminal connected to the switch server, the switch sends a message
to T24. Depending upon the message and various functions, accounting entries are generated in T24
and responded either with an error message or requested details back to the ATM Interface. These
transactions could be done from any ATM and depending on where and which customer is doing the
transaction we could broadly classify them as:
 ON US TRANSACTIONS – T24 customer doing transaction in an ATM attached to T24
branch
 NETWORK TRANSACTIONS - T24 customer doing transaction in an ATM attached to non-
T24 / other institution’s branches
 LORO TRANSACTIONS - Non-T24 customers doing transaction in ATM attached to T24
branch.
Once the interface is started, the parameters required for the Interface are read from the mapping
tables. Java Listener listens to a port where ATM Switch will be sending the ISO8583 messages.
Once the raw ISO8583 message is read from the port, ATM Interface converts this raw ISO message
into OFS message format and sends it to T24, for the execution of corresponding transaction. After
the transaction has been completed at T24, the response messages are formatted in ISO8583 format
and sent back to ATM Switch.

Purpose
 All online transactions will be approved or rejected by T24.
 The time-out will be agreed between Gpack and the switch on a case to case basis
considering the prevailing network and other conditions.
 STAN, DATE.TIME will be used as unique identifier for each message by T24 unless
otherwise specified.

The following section will explain functionally about the architecture of ATM Interface:

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Message processing in T24

ISO Request Message

from Switch

Java listener keeps on

listening to the port for the
PORT messages from ATM
Switch

Application Server

Request to T24

ATM Interface
The routine will parse the ISO
string and classify the type of
AT.ISO.PRE.PROCESS.MSG message. Read the mapping
record based on request
(Convert the ISO message to OFS message message and convert the ISO
<T24 understandable format>) message to OFS message

Accounting entries for

Debit/Credit will be raised for
Processing Request in T24 the particular transaction

AT.ISO.POST.PROCESS.MSG Conversion/format routine

triggers and forms the
(Convert the OFS message to ISO message)
response message in ISO
format

Application Server

PORT

ISO Response Message to

Switch

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4. Work Flow by transactions

Below are the transactions supported in Generic ATM Interface
 Network Messages
 Balance Enquiry
 Cash Withdrawal Transactions
 Mini Statement Messages
 Statement Request*
 POS Transactions
 Intra Bank Funds Transfer Transactions
 Cash Deposit*
 Cheque Issue*
 Cheque Deposit*
 Utility Bill Payments*
 Cash Withdrawal Reversal
 Intra Bank Funds Transfer Reversal
 POS Reversal
 Cash deposit Reversal*
 Cheque Deposit Reversal*
 Utility Bill Payments Reversal*

4.1 NETWORK MESSAGES

Network transactions are used as handshake between ATM switch and T24 host system. The Network
messages will be initiated using a 0800 request with network-management-information-code (Sign on
– ‘001’, Signoff – ‘002’, Echo Test - '301') from ATM switch and the T24 host will respond with an
0810.

4.2 BALANCE ENQUIRY

When a customer does the balance enquiry at ATM terminal, the request message will be sent to T24
Host. T24 will check the corresponding account and then get the balance details by launching an
enquiry. The charge amount will be collected from the customer account if applicable.

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4.3 CASH WITHDRAWAL

When any customer does a cash Withdrawal in ATM, machine will raise a debit to the cardholder’s
account/Bank Account and a corresponding credit to the ATM cash account. If T24 is on-line,
withdrawals are only allowed if sufficient funds are available.

The below workflow describes the applications and accounting levels entries raised during On-Us,
Remote On-Us, Off-Us transactions

Note: Same Workflow happens when T24 goes Off-line and advice messages are posted.

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4.4 MINI STATEMENT

When a customer does the mini statement transaction at ATM terminal, the request message will
be sent to Host. T24 will check the corresponding account and then get the last 10 transaction
details for that account by launching an enquiry.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions.

4.5 STATEMENT REQUEST*

When a customer does the statement request transaction at ATM terminal, the request message will
be sent to Host. T24 will check the corresponding account and then updates a local table in T24 with
the account number and the statement requested date.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions.

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4.6 PURCHASE TRANSACTIONS

There are two methods of POS transactions processed into T24.
 BASEI & BASEII[Force Posts]*
 STANDARD TRANSACTION
Note: Any one method only can be implemented for POS Transactions [Bank & Switch has to
decide on this]
Base I:
When a customer purchases goods from any POS terminal the transaction message will be sent to
T24 Host, ATM interface will lock the amount in the customer’s account based on the lock period
mentioned in Parameter table.

The below workflow describes the applications and accounting levels entries raised during
Authorization request based transactions.

Base II & Standard Transactions:

When a customer purchases goods from any POS terminal the transaction message will be sent to
T24 Host, ATM interface will validate the transaction terminal, account, amount and will raise an
accounting entry in T24.

Difference between Base II and standard transactions is Base II will be sent as Advice message
whereas other case will be sent as On-line message
The below workflow describes the applications and accounting levels entries raised during On-line
& Base II based transactions.

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4.7 INTRABANK TRANSACTIONS

When a customer does account to account transfer (within bank) via the Atm terminal the transaction
message will be sent to Host, T24 will validate the debit and credit account, available balance in Debit
account and based on the validation check, T24 will post the transaction and send the response to the
switch with the processing status.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions

Note: Same Workflow happens when T24 goes Off-line and advice messages are posted.

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4.8 CASH DEPOSIT*

When a customer does cash deposit in the ATM terminal, the transaction messages will be sent to
T24 host to raise an accounting entry. T24 will validate the account and credit the amount to the
customer’s account and debit the ATM GL account.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions

Note: Same Workflow happens when T24 goes Off-line and advice messages are posted.

4.9 UTILITY BILL PAYMENT*

A Customer can go into an ATM and pay his bills. T24 will debit the cardholder’s account and a
corresponding credit to the ATM cash account. If T24 is on-line, Bill payments are only allowed if
sufficient funds are available.

The below workflow describes the applications and accounting levels entries raised during On-Us,
Remote On-Us transactions

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Note: Same Workflow happens when T24 goes Off-line and advice messages are posted.

4.10 CHEQUE DEPOSIT*

When a customer does Cheque deposit in the ATM terminal, the transaction messages will be sent to
T24 host to raise an accounting entry. T24 will validate the account and credit the amount to the
customer’s account and debit the ATM GL account.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions

Note: Same Workflow happens when T24 goes Off-line and advice messages are posted.

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4.11 CHEQUE BOOK REQUEST*

When a customer requests for the Cheque book at ATM terminal, the request message will be sent to
Host. T24 will check the corresponding account and create a new request in CHEQUE.ISSUE table
with status as Requested.

The below workflow describes the applications and accounting levels entries raised during On-Us
transactions.

4.12 FULL REVERSALS

When a customer does any reversal of financial transactions in any ATM terminal/POS, switch will
send the request message to T24 for processing. Switch will wait response message from T24.

In case of any network issues/T24 host down the response for request message will not reach the
switch. In such a case switch will send the reversal message to T24 host to reverse the original
transaction. T24 will get the original transaction reference based on the original data sent by switch
and reverse the accounting entries in T24

Reversal will be done immediately whenever the reversal request received by T24.

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4.13 PARTIAL REVERSALS

When a customer does any partial reversal of financial transactions in any ATM terminal/POS,
switch will send the request message to T24 for processing.

In case of FUNDS TRANSFER, we validate if original transaction is already stored in T24. If so,
we will credit customer account based on the replacement amount sent.

In case of AC.LOCKED.EVENTS, we validate if original transaction is already stored in T24. If so,

we will release the amount locked and then lock the amount sent in replacement amount field.

Reversal will be done immediately whenever the reversal request received by T24.

4.14 PAYMENT VIA TELLER*

Customer can directly walk to Teller and pay Bill payments. The AT.ISO.GEN.MSG routine attached
to the version passes the data to Third party via jar file placed. If a successful response is received
from third party vendor, then the payment is completed. TT or FT can be raised based on this process.

Note: Version provided above is for reference purpose to understand the functional flow.

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5. ATM Parameterization
5.1 INTRF.MESSAGE
This Application forms the skeleton of ATM Interface capturing the information required identifying the
indicators in the ISO message and for capturing the logic required for identifying the mapping record
for processing each type of transaction from the ISO message. It contains the position, length for each
and every data element of RAW ISO Message as per ISO 8583 standards. This application forms the
base for Conversion/formatting the ISO message to OFS message and it’s vice versa.
File Type: H
File Classification: INT

INTRF.MESSAGE field description and Population Type

NO Field Description
1
DESCRIPTION Description for the table, free field.
2
TRACK.FILE.NAME For Future use
3
INTRF.PRE.RTN This field hold routine name. Routine attached
here should have one argument value passed.
Customized hook routines can be attached here
for pre-mapping validations. Click here for a
sample screenshot.
4
MAPPING.ID This field holds the values for forming
INTRF.MAPPING data record Id. A routine can be
attached here or data values i.e. ISO‖ 0 3 70 (In
different multi-values) can be stored here. The fata
values are the fields in the ISO message. Click
here for a sample screenshot.
5
INTRF.HEAD.NAME Interface specific Header name. In reference to
ISO to be used as names in the specification. Ex:
ISO Stat, H3ERR etc,. If no header is used. This
field can be left as null
6
INTRF.HEAD.DELIM For future use
7
INTRF.HEAD.POS Header position. Represents Header field
numbers. If no header is used. This field can be
left as null
8
INTRF.HEAD.LEN Length of the field. If no header is used. This field
can be left as null
9
INTRF.HEAD.TYPE Field type in case of ISO ex: FIXED, VARIABLE,
BITMAP. If no header is used. This field can be
left as null
10
INTRF.HEAD.S.M For future use
11
INTRF.HEAD.MAND For future use

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12
INTRF.FLD.NAME Interface specific field name. Names to be used as
in the ISO specification. Ex: Message Type
Indicator.
13
INTRF.FLD.DELIM For future use
14
INTRF.FLD.POS Field position. Represents ISO field numbers in
case ISO Messages.
15
INTRF.FLD.LEN Length of the field (Max length in case of ISO)
16
INTRF.FLD.TYPE Field type in case of ISO ex:
FIXED,VARIABLE,BITMAP
17
INTRF.FLD.S.M For future use
18
INTRF.FLD.MAND For future use
19
TXN.FIELD.POS This is a multivalve set. Customized hook routines
can be attached here for updating the fields in
ATM.TRANSACTION. Click here for a sample
screenshot.
20
MV.RESERVED For future use
21
INTRF.POST.RTN This field hold routine name. Routine attached
here should have one argument value passed.
Customized hook routines can be attached here
for post-mapping validations. Click here for a
sample screenshot.
22
MSG.FORMAT Indicates which type of transaction for which the
record is created. i.e. ISO_BASE24_PHOENIX

TABLE 1 – INTRF.MESSAGE
DETAILED FIELD DESCRIPTIONS:

FIGURE 1. INTRF.PRE.RTN IN INTRF.MESSAGE

This field can be used for manipulating the Raw ISO message request when it is pushed from listener
into T24. This field triggers the routine before reading the INTRF.MAPPING record. Customized
routine can be attached here with @ before the routine name. Routine should have one argument
value passed inside e.g. AT.FORM.PRE.RTN (ISO.MESSAGE).

Sample Routine is provided as below:

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Here we can add/amend/delete the incoming ISO Message based on Clients requirement and
proceed further.

GO BACK

FIGURE 2. MAPPING.ID IN INTRF.MESSAGE

This field is a multivalve set. This field holds the formation of INTRF.MAPPING record ID. If a
customized routine is going to be attached here, then @ has to be prefixed with the routine name.
Routine should have one argument value passed inside e.g. AT.FORM.MAPPING.ID (INCOMING,
MAPPING.ID).

Sample Routine is provided below:

A routine can be attached here and INTRF.MAPPING record Id can be formed based on client’s
requirement.
GO BACK

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FIGURE 3. TXN.FIELD.POS IN INTRF.MESSAGE

This field is a multivalve set. This field is used for updating particular field in ATM.TRANSACTION
application. The field number which is mentioned in TXN.FIELD.POS or routine attached to it will
process the INTRF.FLD.POS value and update it in the respective field of ATM.TRANSACTION table.
If a customized routine is going to be attached here, then @ has to be prefixed with the routine name.
Routine should have one argument value passed inside e.g. AT.GET.FLD.VALUE.RTN (REQUEST).

Sample Routine is provided below:

Here we can attach a routine and directly write the data in respective field of ATM.TRANSACTION.

GO BACK

FIGURE 4. INTRF.POST.RTN IN INTRF.MESSAGE

This field can be used for manipulating the ISO message request after reading the INTRF.MAPPING
record. Customized routine can be attached here with @ before the routine name. Routine should
have one argument value passed inside e.g. AT.POST.RTN (INCOMING, ISO.MESSAGE).

Sample Routine is provided below:

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A routine can be attached here for adding/amending/removing the data and send it back to switch.

GO BACK

5.2 INTRF.MAPPING
This is a mapping file, which stores various details like T24 application, user name, password, version
to be used and mapping between each message field to its T24 application field. This table will hold
the information that will be used for transforming the ISO message to OFS. Multiple options has been
provided in this table with provision to attach hook routines in multiple places. This helps in
customizing the incoming request according to each specific requirement.
File Type: H
File Classification: INT

INTRF.MAPPING field description and Population Type

NO Field Name Description

1
DESCRIPTION Description for the table, free field.
2
MSG.TYPE Informative field displays whether the
mapping is for Request, Response or Error
3
DELIMITER For future Use
4
UPLOAD.PATH For Future use
5
PRE.RTN This is a multivalve set. Customized Hook Routine
can be attached here and can be triggered to
perform any additional functionality needed to be
executed within the Transaction. Click here for
sample screenshot.
6
APPLICATION Valid T24 application for which the mapping
applies
7
OFS.FUNCTION Holds the OFS function for be performed while
forming the OFS Request

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8
OFS.OPERATION Holds the Processing Flag of either PROCESS or
VALIDATE.
9
OFS.UTIL.NAME This field will hold the version name or enquiry
name to be used by OFS.
10
COMP.COD.MODE This field indicates which company the transaction
has hit, the customer account company or the
company to which the ATM machine is attached.
This field holds the value CUST or ATM.
11
OFS.COM.CODE This field holds routine which loads the Company.
If CUST is selected in above field, then Company
Id is loaded based on customer account. If ATM is
selected, then Company Id is loaded based on
Company code configured in Terminal
12
ID.GEN Will accept Y or N contains information about the
id of the application being updated by OFS.
13
OFS.USER User Sign on to be used by OFS.
14
OFS.PASSWORD Password of the user entered above.
15
RES.MAP.ID Response mapping id for the request
16
INTRF.FLD.NAME This is a multivalve set. Interface field name (Part
of the message, descriptive) is provided here.
17
INTRF.FLD.PS Position of this field within the message.
18
GLO.FLD.NAME Corresponding T24 application field name given in
OFS Format, ie, Field name as per the Standard
selection record concatenated by Value marker
number and sub value marker number, separated
by ‘:’. Eg, ACCOUNT.NUMBER:1:1
19
GLO.FLD.LN.TYPE Length of the field
20
GLO.CONSTANT If the value to be passed to this T24 field is a
constant, data should be entered here.
21
FIELD.SOURCE This field will decide whether the value to be
passed is a constant or a part of the message or
external or should be arrive through a routine
22
FIELD.SRC.VALUE This field will hold the routine name if a routine is
specified in FIELD.SOURCE. Customized routines
can be attached here for passing the value to the
GLO.FLD.NAME. Click here for a sample
screenshot.
23
RES.Y.N This field holds the value of Y or N decides
Currently not used. For future use purpose.
24
ERROR.CONV.TAB For future use in error –mapping

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25
TYPE.OF.TXN This field holds the value of ENQ or FIN
Decides whether the transaction is Financial or
Enquiry. Mandatory field for non-financial request
mapping record with value as ENQ.
26
TXN.CODE For future use.
27
MESSAGE.ID To capture the INTRF.MESSAGE records which
support the mapping format

TABLE 2 – INTRF.MAPPING

DETAILED FIELD DESCRIPTION:

FIGURE 5. PRE.RTN IN INTRF.MAPPING

This is a multivalve set. Customized hook routines can be attached here, which will trigger during the
request phase or response phase based on the Message Type set. Routine should have one
argument value passed inside in case of attaching routine at the response mapping record e.g.
ATM.ISO.ERR.COD.RTN (ISO.MESSAGE).

Sample Scenario:

In Balance Enquiry Request message, above routine formats the balance to be sent in Field
54. Client can attach a new format routine based on his requirement and change the balance format
sent to Field 54. Balance format routine should have two incoming argument and one outgoing
argument which contains the balance formatted data as per the client requirement. This routine will be
triggered from No file enquiry routine for balance formation.

Sample Routine is provided below:

In Case of Mini statement Request message, above routine formats the mini statement to be
sent in field 48. Client can attach a new format routine based on his requirement and change the Mini

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statement format sent to Field 48. Mini statement format routine should have three incoming argument
and one outgoing argument which contains the mini stamen detail with formatted data as per the client
requirement. This routine will be triggered from No file enquiry routine for mini statement formation.

Sample Routine is provided below:

Note: For Separate/Multiple charges transaction entries, we are using generic routine
AT.POST.CHG.TXN.RTN for raising entries and AT.REV.CHG.TXN.RTN [for reversal mapping
records alone] for reversing entries. These routines have to be attached in PRE.RTN of corresponding
Response Mapping Records. These routines will be triggered based on the parameterization done in
ATM.CHG.TABLE and ATM.SPLIT.CHG.TABLE.

GO BACK

FIGURE 6. FIELD.SRC.VALUE IN INTRF.MAPPING

If FIELD.SOURCE is set as RTN, then Routine must be attached in FIELD.SRC.VALUE. The outcome
value of the routine will be assigned to its respective GLO.FLD.NAME value. Routine must have two
arguments passed inside e.g. AT.ISO.CALC.CR.ACCT (INCOMING, OUTGOING).
Sample Scenario:
For Inter Bank Funds transfer, we need Debit and Credit Acct no’s for raising FT Entry.
Below snapshot provides an idea about configuring values for Debit and Credit Account numbers.

If a value from incoming ISO Message is to be passed directly into DEBIT.ACCT.NO, then Intrf Fld Ps
can be set to its respective incoming position (102) and its Field Source can be set as INT.

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If a value has to be fetched based on incoming ISO Message positions, then those values can be
placed in Intrf Fld Ps like this: 32*C%*49*C%*103.
32,49 and103 – Represents the incoming ISO Message position
C – Represents the specifying the constant value in the part of incoming value. Generally used to
include the Delimiter value”%” between different value position.
% - it’s the constant value which is used as delimiter.
Field Source should be set as RTN.
Field Src Value should have the Routine name.
Sample Scenario:
If ISO position 32, 49 and 103 has below values
32nd – 123456, 49th – 840, 103 – 43268.
The incoming variable (first argument) will hold the value as “123456%840%43268”. Second argument
will hold the actual account number for the particular T24 OFS field (defined in the Glo Fld Name)
Sample Routine is provided as below:

GO BACK
Note: If separate charges are going to be configured in framework, AT.GET.BAL.AFT.TXN has to be
attached in FieldSrc Value and Field Source should be set as RTN for all response mapping records.
If this routine is attached, then account balance after charges will be reflected in the balance field.

For info related to charges, Click Here

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Sample Scenario:
AT.ISO.GEN.MSG is a generic routine used for forming ISO Message from T24 end, based on the
configuration done in INTRF.MAPPING table. This routine has to be attached as Input routine in the
Version which client creates for his requirement.
Sample Version has been shown as below:

Customized routines can be attached based on clients needs. Configuring customized routines is
similar to attaching the routines in INTRF.MAPPING. Click here for More Info.
Note: ATM.GEN.MAP.ID is the LOCAL REF Field which is used for providing Third party based
Mapping ID’s. Client can configure this Field in AUTO NEW CONTENT or can attach routines in the
version to form the Request Id based on his needs.

5.3 ATM.PARAMETER
This is the parameter table for ATM interface and holds the information like the network identification
numbers for the bank BIN’s, name/path for files processed by VISA for offline processing, default user
name/password to be used while generating OFS message in T24, the default BIN/POS accounts to
be used for transactions and several other information to be used while forming the ofs message
based on the ISO request and for updating the ATM Transaction information, logs etc,.
File Type: H
File Classification: INT

ATM.PARAMETER field description and Population Type

NO Field Name Description

1
BANK.IMD This is a mandatory field which stores the Acquirer
Id for the bank.

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2
NETWORK.IMD This is an Optional field which is used to include
the network groups(IMD) in bank own network
(apart from BANK.IMD value).
3
FILE.TYPE Stores the name of the file type used for
processing balances like VISA PROCESS,
BALANCE FILE
4
FILE.NAME This will store the file name that is used to upload
the balances before EOD.
5
FILE.PATH This is the path where the balance upload file is to
be stored.
6
DAYS.IN.HIST Days before the log file are to be archived. User
has to input it as e.g.:+5C.
7
OFS.USER User Sign on to be used by OFS.
8
OFS.PASSWORD Password of the user entered above.
9
DEF.ATM.BRANCH If all the Terminal Id is not configured in
ATM.TERMINAL.ACCT, then default Terminal id
stored here will be taken and processed.
10
DEF.ATM.BIN If Other Bank’s Bin was not configured in
ATM.TERMINAL.ACCT, then default bin stored
here will be taken and processed.
11
DEF.POS.MRCNT If any Bank owned POS device id was not
configured in ATM.TERMINAL.ACCT, then default
device id stored here will be taken and processed.
12
DEF.POS.BIN If Other Bank’s Pos Device Id was not configured
in ATM.TERMINAL.ACCT, then default device id
stored here will be taken and processed.
13
CHG.CCY.POS Currency position for raising charge entries
14
TXN.CCY.POS Transaction currency field position for raising
accounting entries.
15
MSG.ID This is a mandatory field stores the type of ISO
Message format used for validating the incoming
requests. IF 5002 is set, then BASE24 based
Messages can be posted. If 5003 is set, then
standard ISO Messages can be posted. If 5004 is
set, then PHOENIX based messages can be
posted.
16
UNIQUE.ID ISO Message Fields will be stored here. Data from
these fields will be generated as Unique Id for
each transaction.
17
GEN.COM.CODE Default Company Code.
18
LOCK.PERIOD For Authorization request transactions, the lock

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period mentioned will be used for locking the

amount. User has to input it as e.g.:+10C.
19
DUAL.TXN.ID ISO Message Fields will be stored here .Unique id
for releasing the locked amount and raising
accounting entry. Customized routine can also be
attached here. Click here for a sample screenshot.
20
CHG.OFS.SOURC OFS SOURCE stored here can be used for raising
charges or can be used in any customized hook
routines for raising Separate Transactions.
21
ATM.GEN.MSG.ID This field stores the type of ISO Message skeleton
to be used for initiating ISO Message from T24
host.
For Future Use
22
ATM.GEN.API.ID This field stores java EB.API for connecting to third
party system from T24 host.
23
PHX.BAL.FMT.TYPE** This field used only in PHOENIX Interface. If
ACTUAL is set, then Actual Balance alone will be
sent for all transactions. If AVAILABLE is set, then
Available Balance alone will be sent for all
transactions. If BOTH is set, Actual and Available
balance will be sent for all transactions.
24
LOG.TYPE Stores whether the log type is DUMP or LOG4J
25
LOG.RTN This routine will be called from within the log
message routine. Any additional processing
required can be handled through this routine.
For future use
26
LOG.PATH Stores the file path where the incoming ISO
requests are stored.
27
AMT.FMT This field is used for formatting the amount to be
returned in ISO Response Message. The formats
are specified in EB.LOOKUP.
28
AMT.LENGTH Provides the length of the amount field which will
be returned in ISO Response message.
29
REQ.VERSION Valid version used for online bill payments needs
to be provided.
30
REQ.MAPPING Valid INTRF.MAPPING record created for ONLINE
bill payments need to be inputted.

TABLE 3 – ATM.PARAMETER

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FIGURE 7. ATM.PARAMETER

FIGURE 8. DUAL.TXN.ID IN ATM.PARAMETER

This field stores the incoming ISO data position or routine. If customized routine is attached, then the
Unique Dual transaction Id must be generated by the routine, which is used for releasing the locked
amount and raising a transaction. Routine must be prefixed with @ before the routine name. Routine
should have one argument value passed inside e.g. AT.GET.DUAL.TXN.ID (REQUEST).
GO BACK

5.4 ATM.TERMINAL.ACCT
The ATM terminal/POS machine ID details are stored in this file. This file stores information on
Accounts to be used for transaction, by transaction type or the default accounts and also captures
which branch and Company in T24 the terminal/POS machine belongs to. Id of each record is
universally agreed and is passed to T24 by the ISO Message.
File Type: H

File Classification: INT

ATM.TERMINAL.ACCOUNT field description and Population Type

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NO Field Name Description

1
DESCRIPTION Description for the table, free field.
2
PROC.CODE Contains different Processing codes as per
ISO message. The different transaction codes are
defined in table ATM.PROCESSING.CODE
3
ACCT.CCY Currency code. No input field, system defaulted
value based on the account mentioned in the
PAY/RECV Accounts
4
PAY.ACCT Debit account for the specific currency mentioned
above. This account is used if USE.DEF.ACCT is
set to No.
5
RECV.ACCT Credit account for the specific currency mentioned
above. This account is used if USE.DEF.ACCT is
set to No.
6
ACCT.TYPE This field is used to indicate what role the
terminal/machine plays for the processing code.
The terminal ID might be the same but processing
can be done both for cash withdrawal and POS
transactions. So this field will indicate the role or
the type of transaction attached to the processing
code.
7
DEF.RECV.ACCT Credit account to be used for transactions.
8
DEF.RECV.ACCT.CCY Currency of the Credit account. No-input field,
system defaults the currency of the
DEF.RECV.ACCT
9
DEF.PAY.ACCT Debit account to be used for transactions.
10
DEF.PAY.ACCT.CCY Currency of the debit account. No-input field,
system defaults the currency of the
DEF.PAY.ACCT
11
DEF.ACCT.TYPE This field is used to indicate what role/s the
terminal/machine
12
USE.DEF.ACCT If set to YES, account stored in DEF.PAY.ACCT/
DEF.RECV.ACCT will be used depending on the
transaction type. If set to NO, account stored
based on processing code will be proceeded.
13
CUSTOMER Field to capture the T24 customer number linked to
the terminal/POS ID. For information purpose only
14
COMPANY.CODE This field stores the Company Code where the
ATM terminal belongs.
15
LOCAL.REF For future use for local references

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TABLE 4 – ATM.TERMINAL.ACCT

FIGURE 9. ATM.TERMINAL.ACCT

5.5 ATM.TRANSACTION
This is a live file which stores the details of transactions like FT/ACKL reference number which got
generated, date, transaction amount, credit account, currency and other data’s required for reversing
transactions. ID of each record is formed, based on the Unique ID data got from ISO Message.
File Type: H

File Classification: INT

ATM.TRANSACTION field description and Population Type

NO Field Name Description
1
TRANS.REF Unique FT/ACKL Id generated for each transaction
2
COMPANY.CODE This field stores the Company Code where the
transaction happens
3
VALUE.DATE Stores the transaction Date
4
BOOKING.DATE Stores the transaction Date

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5
DEBIT.ACCT.NO Stores the debited account no
6
DR.CUSTOMER.ID Stores debited customer account number
7
CREDIT.ACCT.NO Stores Credit account number.
8
TXN.AMOUNT Stores the transacted amount.
9
DR.TXN.CODE Stores Debit transaction code
10
CR.TXN.CODE Stores Credit transaction code
11
CHARGE.CODE Stores the charge type
12
CHRG.AMOUNT Stores the charged amount
13
CHRG.ACCOUNT Stores the charged account
14
CHRG.CUST.ID Stores the customer no from whom charges is
collected
15
CHRG.CR.ACCT Stores the credit account to which charge amount
is credited
16
CHRG.DR.TXN.CODE Stores the charged Debit transaction code
17
CHRG.CR.TXN.CODE Stores the charged Credit transaction code
18
NARRATIVE Stores the Narrative of the Transaction happened
19
CURRENCY.MARKET Stores the currency market
20
TRANS.STATUS Stores whether the transaction is PROCESSED or
REVERSED or LOCKED or DULPICATE or
PARTIALLY-REVERSED or UNLOCKED based
on the messages posted.
21
REVERSAL.FLAG Stores ‘YES’ if Transaction is reversed will be set
to No, when Reversal record is hitting T24 before
the Original Txn posted.
22
ORIG.STMT.NOS Stores the STMT Entries rose during the
transaction and update the STMT entries when
raised during the reversal.
23
STMT.NOS Stores the STMT Entries raised during the
transaction.
24
NETWORK.TYPE For future use.
25
BIN.REFERENCE Stores whether the Acquirer bin sent in ISO
Message
26
PAN.NUMBER Stores the PAN Number sent in ISO Message
27
LOCKED.AMOUNT Stores the amount locked during Authorization

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request.
28
LINKED.TRANS For future Use
29
AUTH.CODE Stores the Unique Auth Code generated for each
transaction.
30
RETRIEVAL.REF.NO Stores the Retrieval Reference Number sent in
ISO Message
31
ACQ.OR.ISS Stores whether the Transaction is Acquirer or
Issuance.
32
ATM.OR.POS Stores whether the transaction is happened
through ATM or POS
33
MTI.CODE Stores the MTI of each transaction sent in ISO
Message
34
PROC.CODE Stores the Processing code of each transaction
sent in ISO Message
35
MERCHANT.ID Stores the Merchant Id of each transaction sent in
ISO Message
36
VERSION.NAME Stores the Version and its Application used for
processing the transaction
37
CARD.ACC.ID Stores the Terminal/POS device Id of each
transaction sent in ISO Message
38
CARD.ACC.NAME.LOC Stores the Merchant/Terminal location of each
transaction sent in ISO Message
39
CHRG.VERSION.NAME Version used to raise Charge based transaction
40
CHRG.TRANS.REF Stores the Unique FT/ACKL Id generated.
41
CHRG.DEBIT.AC Stores the Charges Debit Account No
42
CHRG.CREDIT.AC Stores the Charges Credit Account No
43
CHRG.AMT Stores the Charged Amount.
44
CHRG.STMT.NOS Stores the charges STMT entries raised during the
transaction.
45
ERROR.MSG Failure error message
46
ERROR.CODE Failure response code
47
ISO.NUMBER INTRF.MAPPING record ID
48
STAN.NO Stores the STAN No of each transaction sent in
ISO Message

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49
TIMESTAMP Stores the DATE of each transaction sent in ISO
Message
50
TXN.TYPE Stores the FT.TXN.TYPE.CONDITION used for
raising the FT
51
BAL.AFT.TXN The account balance after the transaction
52
DEPARTMENT.CODE For Future use
53
ACCOUNT.OFFICER For Future use

TABLE 9 – ATM.TRANSACTION

FIGURE 10. ATM.TRANSACTION

5.6 ATM.DUAL.TRANSACTION
This is a live file which stores unique id for Authorization request. Id of the record is formed based on
DUAL.TXN.ID provided in ATM.PARAMETER.
File Type: L

File Classification: INT

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ATM.DUAL.TRANSACTION field description and Population Type

NO Field Name Description

1 ATM.TXN.ID Stores the Unique ID of each transaction

TABLE 10 – ATM.DUAL.TRANSACTION

FIGURE 11. ATM.DUAL.TRANSACTION

5.7 ATM.RES.CODE.TABLE
This file contains the Errors/Overrides and its response codes which has to be triggered, when a
transaction is not successful.
File Type: H

File Classification: INT

ATM.RES.CODE.TABLE field description and Population Type

NO Field Name Description

1 DESCRIPTION Description for the table, free field.

2 MESSAGE Contains the Overrides/Errors that occurs in T24

3 RESPONSE.CODE Contains the specific response code for the

4 PASS.RESP.CODE Response code to be sent if a transaction is

Successful

5 FAIL.RESP.CODE Default response code to be sent if a transaction

gets failed

6 LOCAL.REF For future use for local references.

7 GEN.ERR.MSG Error messages for T24 initiated messages.

8 GEN.RESP.CODE Default response code for T24 initiated messages.

9 RESERVED.FIELDS Reserved fields for future use.

TABLE 11 – ATM.RES.CODE.TABLE

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FIGURE 12. ATM.RES.CODE.TABLE

5.8 ATM.STMT.REQ
This file stores the Statement requests raised each day. Id of this table is Unique Id data got from ISO
Message.
File Type: H

File Classification: INT

ATM.STMT.REQ field description and Population Type

NO Field Name Description

1 ACCT.NO Customer account no

2 CUSTOMER.ID Contains customer number

3 REQ.DATE Stores the requested date

4 REQ.STATUS Stores whether the requested status is in

REQUEST status or UPDATED status.

5 STMT.PERIOD requested statement period requested

6 LOCAL.REF For future use for local references.

TABLE 12 – ATM.STMT.REQ

FIGURE 13. ATM.STMT.REQ

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5.9 ATM.CHG.TABLE
This file is used for raising charges for all transactions. Record ID should be ‘SYSTEM’
File Type: W
File Classification: INT

ATM.CHG.TABLE field description and Population Type

NO Field Name Description

1 Description for the table, free field.
DESCRIPTION
2 Stores the type of charge. ONLINE or PARAM or
CHG.CHANNEL
RTN.
ONLINE - Amount will be taken from the ISO
Message position defined in CHG.AMT.POSN
field.
PARAM - Amount and other fields has to be
configured for raising entries.
RTN – Routine has to be attached for raising
charges. Click Here for sample screenshot.
3 If RTN is selected above, then Routine has to be
FLD.POS.RTN
attached here with @ before the routine name.
Click Here for sample screenshot.
4 Stores the Charge ID rule. Rule id can be: MTI or
CHG.ID.RULE
PROC or BIN or MTI.PROC or MTI.PROC.BIN or
MTI.PROC.BIN.CCY or NETWORK or
NETWORK.CCY or PROC.NETWORK.CCY.
Based on wash type of the processing code and
transaction type combination, different changes
can be defined.
5
CHARGE.DESC Description for the table, free field.
6
SEPARATE.FT YES or NO.
If set to YES. Separate FT can be raised.
If set to NO, data’s provided in the table will be
sent in the Main OFS Request.
7
TRAN.MTI Message Type Indicator of the ISO Message.
8
PROC.CODE Processing Code for the ISO Message.
9
BIN.NO BIN No which has to be charged.
10
TXN.CCY Stores the Currency.
11
SPLIT.CHG.ID This field stores the record’s Id which will be
created in ATM.SPLIT.CHG.TABLE
12 Stores the Amount to be charged.
CHG.AMT
13 Stores the Amount position which is passed in ISO
CHG.AMT.POSN
Message. If Routine has to be attached here then
prefix @ before the routine name.

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14 Stores the Percentage of amount to be charged.

CHG.PERC
15
CHARGE.TYPE Stores the Commission or Charge type record
name.
16
DR.ACCT.TYPE Stores whether the Account type is CUST or IA.
If IA is set, then Charges will be triggered by
routine attached in INTRF.MAPPING. For More
Info, Click Here.
17
CHG.DR.ACCT Stores the Debit Account Number. This field is
mandatory if DR.ACCT.TYPE is set as IA.
18
CHG.CR.ACCT Stores the Credit Account Number.
19
NETWORK.TYPE Store the Network Type
20
TXN.LIMIT.AMT Store the Limit amount for charging a transaction
21
CHG.VERSION Stores the Version used for raising charges.
22
CHG.CODE COMMISSION_CHARGE. If Commission is set,
then CHARGE.TYPE has to be given a proper
COMMISSION type. If Charge is set, then
CHARGE.TYPE has to be given proper Charge
type.

TABLE 15 – ATM.CHG.TABLE

FIGURE 14. ATM.CHG.TABLE

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DETAILED FIELD DESCRIPTION:

FIGURE 15. FLD.POS.RTN IN ATM.CHG.TABLE

If Online is selected, then the Field having the Charge amount in ISO MESSAGE have to be
configured in ATM.CHG.TABLE
Sample screenshot is provided below

Routine can be attached in CHG.AMT.POSN with prefix @

Sample routine is provided below

The outgoing argument should have only the amount position of ISO message and not the amount
itself.

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If Param is selected, then CHG.RULE.ID must be configured based on client’s need and charge
amount nor charge percent can be configured there.
Sample screenshot is provided below

If RTN is selected, then Framework will trigger the routine attached in FLD.POS.RTN through
CHECK.REC.RTN field in Version. There should be no arguments passed inside the attached
Routine.
Sample Routine is provided as below:

This function doesn’t support split charges or any setup level charges in ATM.CHG.TABLE. If user
wishes to use RTN, then User has to raise all the charges by himself. Framework will just trigger the
routine.
GO BACK
Note: After configuring the charges, the record should be verified using “V” function to update the
concated table ATM.CHG.DETAIL based on the CHG.ID.RULE.
If multiple charges have to be configured, configure all the charges in ATM.SPLIT.CHG.TABLE.
IF SEPARATE.FT is set to YES, then Separate FT will be raised for charges independent of the Main
FT.

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5.10 ATM.CHG.DETAIL
This is a LIVE file. The data’s from ATM.CHG.TABLE will be written here based on the CHG.ID.RULE
provided. This is to speed up the identification of the charge to be applied while processing an ATM
transaction.
File Type: L

File Classification: INT

ATM.CHG.DETAIL field description and Population Type

NO Field Name Description

1
CHARGE.DESC Description for the table, free field.
2
SEPARATE.FT YES or NO. If set to YES. Separate FT will be
raised else the data’s provided below will be sent
in the Main OFS Request.
3
TRAN.MTI Message Type Indicator of the ISO Message.
4
PROC.CODE Processing Code for the ISO Message.
5
BIN.NO BIN No which has to be charged.
6
TXN.CCY Stores the Currency.
7
SPLIT.CHG.ID This field stores the record’s Id which will be
created in ATM.SPLIT.CHG.TABLE
8 Stores the Amount to be charged.
CHG.AMT
9 Stores the Amount position or routine name.
CHG.AMT.POSN
10 Stores the Percentage of amount to be charged.
CHG.PERC
11
CHARGE.TYPE Stores the Commission type record name.
12
DR.ACCT.TYPE Stores whether the Account type is CUST or IA.
13
CHG.DR.ACCT Mandatory Field, if DR.ACCT.TYPE is set as IA
Stores the Debit Account Number.
14
CHG.CR.ACCT Mandatory Field. Stores the Credit Account
Number.
15
LOCAL.REF For future use for local references.

TABLE 16 – ATM.CHG.DETAIL

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FIGURE 16. ATM.CHG.DETAIL

5.11 ATM.SPLIT.CHG.TABLE
This file is used for raising multiple charges entry raised for single transaction. ID would be any free
text.
File Type: H

File Classification: INT

ATM.SPLIT.CHG.TABLE field description and Population Type

NO Field Name Description

1 Description for the table, free field.
CHARGE.DESC
2 Stores the Commission type record name.
CHARGE.TYPE
3
CHG.TXN.CCY Stores the Currency.
4 Stores the Amount to be charged
CHG.AMT
5 Stores the Percentage of amount to be charged
CHG.PERC
6
DR.ACCT.TYPE Stores whether the Account type is CUST or IA.
7
CHG.DR.ACCT Stores the Debit Account Number
8
CHG.CR.ACCT Stores the Credit Account Number
9
LOCAL.REF For future use for local references.
10
RESERVED.FIELDS Reserved fields for future use.

TABLE 14 – ATM.SPLIT.CHG.TABLE

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FIGURE 17. ATM.SPLIT.CHG.TABLE

Note: The record ID has to be configured in SPLIT.CHG.ID of ATM.CHG.TABLE and SEPERATE.FT
has to be set to ‘YES’. Sample screenshot is provided below

Note: Charges based on Percentage won’t support for Balance Inquiry & Mini statement. Hence
configure the charges as amount for these scenarios in ATM.CHG.TABLE &
ATM.SPLIT.CHG.TABLE.

5.12 ATM.PROCESSING.CODE
This file stores the Processing code for all the transactions. Record id should be created with
File Type: H

File Classification: INT

ATM.PROCESSING.CODE field description and Population Type

NO Field Name Description

0 Id of the record should be starting with ISO or BASE24
Record id
or PHOENIX based on the package used by client. Eg.
ISO.01 where ISO indicates the package used and 01

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indicates the type of transaction.

1 Description for the table, free field.
DESCRIPTION
2 No input field. It provides which type of atm is used
ATM.MSG.FORMAT
based on the record id provided.
3 No input field. Provides the processing code of the
PROC.CODE
transaction.
4 EB.LOOKUP file, where type of transaction will be
PROC.TYPE
provided.
Purchase_cashwithdrawal_fundstransfer_ministatement
transaction has to be selected based on the processing
code.
5 Multivalued field where ACCT.TYPE can be set as
ACCT.TYPE
BANK.POS_BANK.ATM_OTH.ATM_OTH.POS.

TABLE 15 – ATM.PROCESSING.CODE

FIGURE 18. ATM.PROCESSING.CODE

5.13 ATM.MTI
This file is used for storing Message Type Indicators.
File Type: H

File Classification: INT

ATM.MTI field description and Population Type

NO Field Name Description

0 Record id should be MTI. E.g. 0200
Record Id

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1 Description for the table, free field.

DESCRIPTION

TABLE 16 – ATM.MTI

FIGURE 19. ATM.MTI

5.14 VERSIONS
Versions which are currently used in ATM Interface

VERSION>FUNDS.TRANSFER,ATM
VERSION>FUNDS.TRANSFER,ATM.FP
VERSION>FUNDS.TRANSFER,ATM.AC
VERSION>FUNDS.TRANSFER,ATM.AC.FP
VERSION>AC.LOCKED.EVENTS,ATM
VERSION>FUNDS.TRANSFER,ATM.POS
VERSION>FUNDS.TRANSFER,ATM.POS.FP
VERSION>FUNDS.TRANSFER,ATM.CD
VERSION>FUNDS.TRANSFER,ATM.CD.FP
VERSION>CHEQUE.ISSUE,ATM
VERSION>FUNDS.TRANSFER,ATM.CHQ
VERSION>FUNDS.TRANSFER,ATM.CHQ.FP
VERSION>ATM.STMT.REQ,ATM
VERSION>FUNDS.TRANSFER,ATM.CHG
VERSION>FUNDS.TRANSFER,ATM.UTIL.FP
VERSION>FUNDS.TRANSFER,ATM.UTIL
VERSION>FUNDS.TRANSFER,REV.WD
VERSION>AC.LOCKED.EVENTS,ATM.FP
VERSION>AC.LOCKED.EVENTS,ATM.CW

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VERSION>AC.LOCKED.EVENTS,ATM.CW.FP
VERSION>AC.LOCKED.EVENTS,ATM.FP
VERSION>AC.LOCKED.EVENTS,REV.WD

5.15 ENQUIRES
Enquires which are currently used in ATM Interface.

ENQ.NOFILE.SPF
E.ISO.ATM.BAL.ENQ
E.ISO.ATM.MINI.STMT

5.16 SERVICES
ATM Interface has provided a service which helps in taking backup of ATM.TRANSACTION
table. This BNK/ATM.TXNS.ARCHIVE service archives the records to history based on the DAYS
provided in ATM.PARAMETER TABLE.

5.17 Main Subroutines Descriptions

AT.CALC.AVAIL.BALANCE
 This routine is used to provide the balance of each account
 This routine will calculate the balances based in the locked amount and transaction
amount i.e. WORK.BAL - LOCKED.AMT - TXN.AMT

AT.FMT.TXN.AMT
 This routine is attached in version of all transactions
 This routine will format the amount based on the decimals in the currency table.

AT.GEN.ISO.REQ.MSG
 This routine is used to initiate an ISO Message
 This routine will generate the ISO request message based on the mapping file defined in
the request ATM.GEN.MAPPING record

AT.GEN.ISO.RES.MSG
 This routine will convert the ISO request message and parse the message based on the
mapping file defined in the request ATM.GEN.MAPPING record

AT.GET.CHEQUE.ISSUE.ID
 This routine forms the record id for CHEQUE.ISSUE application.
 This routine validates if the account category is present in CHEQUE.TYPE. If present,
based on this Cheque ID is formed.

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AT.GET.ISO.FLD.VALUE
 This routine fetches the Incoming ISO Message values based on the ISO field positions
sent in IN argument. OUT argument contains the record data’s.

AT.GET.STMT.ID
 This routine is used to form Record Id for ATM.STMT.REQ application

AT.ISO.CALC.CR.ACCT
 This routine is used to fetch the Credit account no for ATM based transactions.
 If it’s our bank transaction, based on BANK IMD and Terminal ID, credit account no will be
fetched.
 If it’s another bank transaction, based on BANK IMD, Credit account no will be fetched
from ATM.BIN.ACCT Table.
 If no Terminal id or ATM.BIN.ACCT is configured, then default Branch or BIN configured in
ATM.PARAMETER will be fetched.

AT.ISO.CALC.DR.ACCT
 This routine is used to fetch the Debit account no for ATM based transactions.
 This routine picks the debit account no for LORO transactions.
 When other bank customer does a transaction, Debit account number will be picked from
ATM.BIN.ACCT based on the PAN NO.

AT.ISO.CALC.UTIL.ACCT
 This routine is used to fetch the Credit account no for UTILITY BILL PAYMENTS

AT.ISO.FMT.BAL.RTN
 This routine is used to form Balances for all transaction.
 Ledger and available balances are calculated here.

AT.ISO.GEN.MSG
 This routine is attached in VERSION of any TT or FT to trigger CALLJ
 This routine is used only when T24 has to initiate an ISO Message.
 This routine will validate the message received from third party system

AT.ISO.MINI.FMT.RTN
 This routine is used to form the MINI statement entries.

AT.ISO.REV
 This routine is used in full reversal and partial reversal.

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 This routine will decide whether the transaction has to be reversed or initiated.
 This routine checks if there is any original transaction present in ATM.TRANSACTION.
 If original transaction is present then it will reverse the transaction
 If original transaction is present and partial amount is sent, then it initiates a new
transaction

AT.ISO.PRE.PROCESS.MSG
 This routine will convert the ISO request message to OFS request message which will be
posted through OFS SOURCE based on the mapping file defined in the request
INTRF.MAPPING record.

AT.ISO.POST.PROCESS.MSG
 This routine will convert the OFS response to ISO response based on the Response mapping
configured in the INTRF.MAPPING

AT.PHX.CHECK.MSG.RTN
 This routine will check if the incoming message is a Network message or a transaction
message
 This routine will load the INTRF.MESSAGE skeleton based on the ISO MESSAGE

AT.POS.CREDIT.ACCT.NO
 This routine is used to fetch the Credit account no for POS based transactions.
 If it’s our bank transaction, based on BANK IMD and POS device ID, Merchant account no
will be fetched from ATM.POS.MERCHANT.ACCT.
 If it’s another bank transaction, based on BANK IMD, Credit account no will be fetched
from ATM.POS.BIN.ACCT Table.
 If no POS id or ATM.POS.BIN.ACCT is configured, then default POS or BIN configured in
ATM.PARAMETER will be fetched.

AT.POS.DEBIT.ACCT.NO
 This routine is used to fetch the Debit account no for POS based transactions.
 This routine picks the debit account no for LORO transactions.
 When other bank customer does a transaction, Debit account number will be picked from
ATM.POS.BIN.ACCT based on the PAN NO.

AT.POST.CHG.TXN.RTN
 This routine is used for raising separate charges.
 This routine will check if the charges are configured in ATM.CHG.TABLE or
ATM.SPLIT.CHG.TABLE
 Based on the configurations, this routine will trigger raise a separate transaction
 Once the transaction is raised, ATM.TRANSACTION table is updated automatically.

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AT.REV.CHG.TXN.RTN
 This routine is used to reverse charges raised.
 This routine will check if the charges are raised from ATM.TRANSACTION table
 If charges are raised, then these charges are reversed and ATM.TRANSACTION table is
updated with reversal status.

ATM.CHK.POST.RESTRICT
 This routine is used to check if there is any posting restrict is present
 This routine is attached to INTRF.MAPPING record for NON Financial transactions.

ATM.COMP.SELECT
 This routine is used to get the company and financial mnemonic of the Account number
coming in ISO message

ATM.ISO.ERR.CODE.RTN
 This routine is used to check the error code of the particular transaction.
 This routine will be triggered in OUT.MSG routine.
 This routine will check if FT is transaction is successful. If its successful, then success
response code is sent through the ISO Message
 If the transaction is failed, then based on the error code mapped in ATM.RES.CODE.TABLE,
the error response code will be sent through ISO Message

ATM.TXNS.ARCHIVE.RTN
 This routine is used to archive the transactions from ATM.TRANSACTION to its history table
based on the days mentioned in ATM.PARAMETER

ATM.UPD.TXN.LOG.RTN
 This routine is used for logging the entries into ATM.TRANSACTION.
 This routine will update the table for all financial and non-financial transactions.

CAL.COMPANY.CDE
 This routine is used to trigger the company code based on the account number or terminal id
sent from ISO Message

E.ISO.ATM.BAL.ENQ.BLD.RTN
 This is an Enquiry routine which generates the balance message.

E.ISO.ATM.MINI.STMT.BLD.RTN
 This is an Enquiry routine which generates the Mini Statement message.

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E.ISO.RET.SPF.STATUS
 This enquiry routine is used for Network Messages
 This routine is used to check if the SYSTEM is on online and send the success response code
back

V.ACLK.CALC.TO.DATE
 This routine will check the LOCK Period from ATM.PARAMETER and lock the amount for
AC.LOCKED.EVENTS

V.ACLK.REV.UPD.ATM.KEY.ID
 This routine will update the ATM.TRANSACTION table, if reversal or partial reversal is
successfully raised for AC.LOCKED.EVENTS.

V.ACLK.UPD.ATM.KEY.ID
 This routine will update the ATM.TRANSACTION table, if AC.LOCKED.EVENTS transaction
is successfully raised for AC.LOCKED.EVENTS.

V.ATM.CHK.POST.RESTRICT
 This routine will check if there is any posting restricts
 This routine has to be attached only for ATM.STMT.REQ and CHEQUE.ISSUE applications

V.ATM.GET.CHG.TYPE
 This routine is used for charges.
 This routine will check if charges have to be raised with the Main FT.
 If so, then the charge code and charge amount will be passed with the main FT

V.BAL.DUP.CHECK
 This routine is used to check if the transaction is a duplicate of the existing transaction
 If so, then error will be triggered preventing rising of a new entry
V.CHG.FT.UPD.ATM.KEY.ID
 This routine is attached to charges version.
 This routine will update the ATM.TRANSACATION with the charges details.

V.CHQ.ATM.KEY.ID
 This routine is attached to CHEQUE.ISSUE version
 This routine will update the balance returned and Auth code for the cheque ISO Message

V.FT.REV.UPD.ATM.KEY.ID
 This routine will update the ATM.TRANSACTION table, if reversal or partial reversal is
successfully raised for FUNDS.TRANSFER.

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V.FT.UNBLK.ACCT
 This routine is used to release the Locked amount.
 This routine will check the ATM.DUAL.TRANSCATION table and fetch the Reversal ID.
 Then based on the reversal id, ATM.TRANSCATION recorded is opened and LOCKED
AMOUNT is fetched, then the locked amount is released here

V.FT.UPD.ATM.KEY.ID
 This routine is used to update the ATM.TRANSACTION table, if transaction is successfully
raised for FUNDS.TRANSFER

6. Transaction Message Format

6.1 Base24/ISO Transaction Message
6.1.1 Message Header
A 4-byte ASCII or 2-byte message header containing the length of the message has to be sent at the
beginning of the message. The message length would exclude the length of the header.
Example:
Four Byte Header:
If the ISO message is 323 bytes, “0323” has to be added in front of the message. Therefore, the actual
data sent is 327 bytes.
Two Byte Header:
If the ISO message is 323 bytes, these bytes “ SOH C” [printed char format] has to be added in front of
the message. Therefore, the actual data sent is 325 bytes
Note: Configuration of 2 byte or 4 byte has to be done at Application Server level.

6.1.2 Bitmap Message Format

A system that communicates with ATM Interface must construct messages according to ISO 8583
standards. Messages constructed as such have three main Components:
 Message type identifier
 Primary & Secondary bitmaps
 Series of data elements
Message Type Indicator Bit Map Data Elements

6.1.2.1 Message type identifier

The message type identifier is a 4-digit numeric field with the following sub-fields:
First 2 digits are the Message class
Last 2 digits are the Message function
An example of a message type identifier for a financial request transaction sent to the ATM Interface is:
'0200'.
Note: This value has to be configured in ATM.MTI table

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6.1.2.2 Bitmaps
Primary Bitmap
Format b-64
Length 16 bytes
Description
The primary bitmap is required in all messages. It determines which data elements are present. The
bits are interpreted from left to right where a 1 indicates the field in that bit position is present and a 0
indicates the absence of that field.

Secondary Bitmap
Format b-64
Length 16 bytes
Description
The secondary bitmap is present only if data elements 65-128 are present in the message. The
secondary bitmap has the same description as the primary bitmap.
Note: For T24 ATM Interface Primary & secondary bitmaps are mandatory.

6.1.2.3 Data Elements Definitions

Field #2: Primary Account Number (PAN)

Format n...19, LLNUM
Description
This field contains the primary account number (PAN) as represented on the consumer's Card. This
field is used for all account numbers up to 19 digits in length.

Field #3: Processing Code

Format n-6
Length 6 bytes

Description
This field is required in all 01xx, 02xx, 04xx, 06xx, 08xx, 7xxx and 9xxx messages.
• A two digit process code
• A two digit from account
• A two digit to account

Current Transactions supported in T24 are:

Transaction Type Message Type [ISO 8583:87/93] Processing Code

Purchase 0100/0200/0220/0420 00xx00

1100/1200/1220/1420

Withdrawal 0100/0200/0220/0420 01xx00

1100/1200/1220/1420

Fund Transfer 0200/0220/0420 40xxyy

1200/1220/1420

Balance Inquiry 0200 30xx00

1200

Mini Statement 0200 38xx00

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1200

Cash Deposit 0200/0220/0420 21xx00

1200/1220/1420

Cheque Deposit 0200/0220/0420 24xx00

1200/1220/1420

Statement Request 0200/0220 35xx00

1200/1220

Cheque Issue 0200/0220 91xx00

1200/1220

Utility Bill Payment 0200/0220/0420 50xx00

1200/1220/1420

Network Message 0800 -NA-

1800

Valid values for xx and yy can be:

00 – Default account
10 – Savings account
20 – Current account
30 – Credit account
Note: The two digit process code has to be configured in ATM.PROCESSING.CODE table

Field #4: Transaction Amount

Format n-12
Length 12 bytes
Description
This field represents the transaction amount in the currency of the acquirer. The field always
represents tXhe original transaction amount.
Representation
The amount field is zero filled and right justified. The decimal places are implied.
Example
To represent the amount US$ 4,901.63 use 000000490163.

Field #5: Settlement Amount

Format n-12
Length 12 bytes
Description
This field represents the amount for which the transaction will be settled in the settlement currency.
Representation
The amount field is zero filled and right justified. The decimal places are implied.
Example
To represent US$ 861.63 use 000000086163.

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Field #6: Equivalent Amount (Cardholder Billing)

Format n-12
Length 12 bytes
Description
In cases where a transaction takes place in a currency other than the cardholder's currency, this field
represents the amount billed to the cardholder in the currency of the cardholder's account, exclusive of
cardholder billing fees. It is the representation of the purchase amount converted from the currency of
the acquiring country to the cardholder's billing currency.
Representation
The equivalent amount field is zero filled and right justified. The decimal places are implied.
Example
To represent US$ 423.92 use 000000042392.

Field #7: Transmission Date and Time

Format n-10, MMDDhhmmss
Length 10 bytes
Description
This data element is required in all IST/Switch messages. It represents the date and time, in UTC
format, at which the transaction first entered the EFT (electronic funds transfer) network. Once set,
this field remains unchanged for the life of the transaction.
Representation
MM Month indicator
DD Day of month
hh 24 Hour clock (00-23)
mm Minutes
ss Seconds
Example
To express May 6, 2:30.376 p.m. use 0506143037.

Field #9 – Conversion rate, Settlement

Format n-8
Length 8 bytes
Description
The factor used in the conversion from amount, transaction to amount, settlement. The amount,
transaction is multiplied by this field to yield the amount, settlement. The leftmost digit denotes the
number of positions the decimal separator shall be moved from the right. Positions 2 to 8 of the field
represent the actual rate.
Example
Conversion rate value of 91234567 would equate to 0,001234567.

Field #10: Conversion Rate (Cardholder Billing)

Format n-8
Length 8 bytes
Description
In cases where a transaction takes place in a currency other than the cardholder's billing currency, this
field represents the rate used to make a conversion from the transaction amount in the acquiring
institution's currency to the currency of the cardholder's account.
Representation
This field is expressed as xnnnnnnn, where x is a number between 0 and 7 which indicates the
number of positions that the decimal separator will be moved from the right.
Example
The number 67123890 is interpreted as 7.123890.

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Field #11: System Trace

Format n-6
Length 6 bytes
Description
It is a unique number.
Representation
This field is zero filled and right justified.

Field #12: Local Transaction Time

Format n-6, hhmmss
Length 6 bytes
Description
This field represents the local time at the terminal when the transaction occurred.
Representation
hh Hour of day in a 24 hour clock. mm Minute within the hour.ss Seconds past the minute
Example
To represent 5:14.53 p.m. use 171453.

Field #13: Local Transaction Date

Format n-4, MMDD
Length 4 bytes
Description
This field represents the local date at the terminal when the transaction occurred.
Representation
MM Month 01 to 12
DD Day of month 01-31
Example
To represent March 18 use 0318.

Field #15: Settlement Date

Format n-4, MMDD
Length 4 bytes
Description
The month and day for which financial totals are reconciled between the acquirer and the issuer.
Example
To represent a settlement date of April 12 use 0412.

Field #18: Merchant Type

Format n-4
Length 4 bytes
Description
This field is used to represent the type of merchant generating the request.
Representation
This field is zero filled and right justified.
Example
To represent a merchant type of 6011 (this is an ATM) use 6011.

Field #19: Acquiring Institution Country Code

Format n-3
Length Three bytes
Description
This field contains the code of the country where the acquiring institution is located. This is the
financial organization that is responsible for the merchant or the ATM.

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Field #22: Point-of-Service Entry Mode

Format n-3
Length 3 bytes
Description
This field indicates the method by which the PAN was captured as well as the terminals PIN entry
capabilities.

Field #25: Point-of-Service Condition Code

Format n-2
Length 2 bytes
Description
This field is used to indicate the condition under which the transaction occurred.

Field #26: Point-of-Service PIN Capture Code

Format n-2
Length 2 bytes
Description
This field represents a code used to indicate the maximum number of PIN characters accepted by the
point-of-service device used to construct the personal identification number (PIN) data. The field must
contain the actual number of PIN characters if they are less than 4 or more than 12.

Field #28: Amount, Transaction fee

Format n-8
Length 8 bytes
Description
A fee charged, by the acquirer to the issuer, for transaction activity, in the currency of the amount
transaction.

Field #29: Amount, settlement fee

Format n-8
Length 8 bytes
Description
A fee charged, by the acquirer to the issuer, for transaction activity, in the currency of the amount
settlement.

Field #32: Acquiring Institution Code

Format n...11, LLNUM
Length 2 byte length, 1...11 digits following
Description
It indicates the acquiring institution identifier.
Representation
This field contains a 2 byte length which is zero filled and right justified. This length is followed by up to
11 digits.
Example
To represent the identifier 46910 use 0546910.
Note: acquiring institution identifier for Other Banks has to be configured in ATM.TERMINAL.ACCT
table with ACCT.TYPE set as OTH.ATM or OTH.POS based on client’s requirement.

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Field #33: Forwarding Institution Code

Format n...11, LLNUM
Length 2 byte length followed by up to 11 digits
Description
A code identifying the institution that forwards the transaction in an interchange system en route to the
card issuer.
Representation
This field contains a 2 byte length which is zero filled and right justified followed by up to 10 digits.
Example
To represent 987 use 03987.

Field #35: Track-2 Data

Format z...37, LLVAR
Length 2 byte length followed by up to 37 bytes
Description
This field contains the track2 data as captured by the device.

Field #37: Retrieval Reference Number

Format an-12
Length 12 bytes
Description
A reference number supplied by the system retaining the original source information and used to
assist in locating that information or a copy thereof.

Field #38: Authorization Number

Format an-6
Length 6 bytes
Description
This field is required for all authorized transactions.

Field #39: Response Code

Format an-2
Length 2 bytes
Description
This field is required in all response messages and is used to indicate if the transaction was approved
or if it failed.
Response Code Definition
00 Transaction Approved
05 Unable to process
76 Invalid accounts [Balance Enquiry & Mini statement]
Note: Further Response codes with their errors can be configured in ATM.RES.COD.TABLE

Field #41: Card Acceptor Terminal Identification

Format ans-8
Length 8 bytes
Description
This field is used to identify a terminal at the bank. It should be unique within that bank.
Representation
This field contains 8 bytes of alphanumeric and special characters.
Note: Terminal ID for our bank atm/pos has to be configured in ATM.TERMINAL.ACCT table with
ACCT.TYPE set as BANK.ATM or BANK.POS based on client’s requirement.

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Field #42: Card Acceptor Identification Code

Format ans-15
Length 15 bytes
Description
The value in this field is network dependent.
Representation
This field contains 15 bytes of alphanumeric and special characters.

Field #43: Card Acceptor Name/Location

Format ans-40
Length 40 bytes
Description
This field is used for the customer name and location.

Field #44: Additional Response Data

Format an...25, LLVAR
Length 2 byte length followed by up to 25 bytes data
Description
This field is defined as a private data field.

Field #45: Track-1 Data

Format z...76, LLVAR
Length 2 byte length followed by up to 76 bytes data
Description
This field contains the track1 data as read from the card stripe by the terminal.

Field #48: Additional Data

Format an ...999, LLLCHAR
Length 3 bytes followed by up to 999 bytes of data
Description
Bitmap 48 contains the STMT entries for Mini statement Transaction. For other transactions this field
will be null field.
Subfield Position Format Definition

1 1-6 n-10 Date (in YYMMDD format)

2 7-9 n-3 Numeric Currency

3 10 X Debit/Credit indicator(D/C)

4 11-22 n-12 Transaction Amount

Example
120126840D000000002500120126840D000000002500120126840D000000002500

Field #49: Transaction Currency Code

Format n-3
Length 3 bytes
Description
This is a required field in all messages. It defines the currency code for Field 4 (transaction amount).
Representation
This field is composed of 3 digits, zero filled and right justified.
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Example
To represent the code for US currency, use 840.
Note: this value has to be provided in TXN.CCY field in ATM.PARAMETER

Field #50: Currency Code, Settlement

Format an-3
Length 3 bytes
Description
This is a code which identifies the currency used for settlement.

Field #51: Currency Code, Cardholder Billing

Format n-3
Length 3 bytes
Description
This field is a required field when the currency in which the transaction took place is not the same as
the cardholder billing currency.
Representation
This field is composed of 3 digits, zero filled and right justified.
Example
To represent the code for US currency, use 840.

Field #54: Additional Amounts

Format an...120, LLLVAR
Length 3 byte length followed by up to 120 digits
Description
This field indicates additional amounts for all transactions.
Representation
This field contains a 3 byte length field which denotes the total field length followed by up to two
balance subfields. Each subfield is 20 bytes in total. . The total length is 43 bytes.

Subfield Position Format Definition

1 1-2 n-2 Ledger account type

2 3-4 n-2 Ledger amount type

3 5-7 n-3 Numeric currency

4 8 X Debit/Credit indicator(D/C)

5 9-20 n-12 Ledger Balance

6 21-22 n-2 Working account type

7 23-24 n-2 Working amount type

8 25-27 n-3 Numeric currency

9 28 X Debit/Credit indicator(D/C)

10 29-40 n-12 Working Balance

Example
To represent an available balance

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1001840C0000000010981002840C000000001098.

Field #60: Terminal Totals

Format an...999, LLVAR
Length 2 byte length followed by up to 999 bytes data
Description
This field is a private data field.

Field #63: Reversal Reason Code

Format an...999, LLVAR
Length 2 byte length followed by up to 999 bytes data
Description
This field is a private data field.

Field #70: Network Management Information

Format n-3
Length 3 bytes
Description
This field is required in all 08xx messages. It indicates the type of network request to be processed.
The following table lists the available codes.
Representation
This field is a numeric zero filled fields which is right justified.
Value Meaning
001 Sign on
002 Signoff
301 Echo test

Field #74: Credits, Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of credit transactions processed.

Field #75: Credits, Reversal Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of reversal credit transactions.

Field #76: Debits, Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of debit transactions processed.

Field #77: Debits, Reversal Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of reversal debit transactions.

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Field #78: Transfers, Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of all transfer transactions processed.

Field #79: Transfers, Reversal Number

Format n-10
Length 1 byte per digit
Description
This mandatory field is used to contain the total number of all reversal transfer transactions processed.

Field #80: Inquiries, Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of inquiry requests processed.

Field #81: Authorizations, Number

Format n-10
Length 1 byte per digit
Description
This field contains the total number of authorization requests and authorization advice messages
processed.

Field #82: Credits, Processing Fee Amount

Format n-12
Length 1 byte per number
Description
This field contains the total amount of processing fees due from the acquirer.

Field #83: Credits, Transaction Fee Amount

Format n-12
Length 1 byte per number
Description
This field contains the total amount of transaction fees due from the acquirer.

Field #84: Debits, Processing Fee Amount

Format n-12
Length 1 byte per number
Description
This field contains the total amount of processing fees due from the acquirer.

Field #85: Debit, Transaction Fee Amount

Format n-12
Length 1 byte per number
Description
The sum amount of all fees resulting from the processing of all debit transactions.

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Field #86: Credits, Amount

Format n-16
Length 1 byte per digit
Description
This field contains the total number of all acquirer credit transactions processed exclusive of any fees.

Field #87: Credits, Reversal Amount

Format n-16
Length 1 byte per digit
Description
This field contains the sum amount of all acquirer reversal credit transactions processed exclusive of
any fees.

Field #88: Debits, Amount

Format n-16
Length 1 byte per digit
Description
This field is mandatory and contains the sum amount of all debit transactions processed exclusive of
any fees.

Field #89: Debits, Reversal Amount

Format n-16
Length 1 byte per digit
Description
This field is mandatory and contains the sum amount of all debit transactions processed exclusive of
any fees.

Field #90: Original Data Elements

Format n-42
Length 42 bytes
Description
This field is required in all 04xx messages. It contains the data elements found in the original
message, intended to identify a transaction for correction or reversal.
Representation
There are five subfields within the message:
Description Type
Original message type identifier n-4 [MTI]
Original trace number n-6 [Field 11]
Original transmission time and date n-10 [Field 7]
Original acquiring institution identification code n-11 [Field 32]
Forward institution identification code n-11 [Field 33]
Example
020061432511121212910000049867500000267098
Note: These data comes in field 56 of ISO Message for ISO8583:93 version

Field #95: Replacement Amounts

Format n-42
Length 42 bytes
Description
This field contains the new actual amount data elements necessary to perform a partial or full reversal
on a financial transaction.

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Field #97: Amount, Net Settlement

Format n-17
Length Fixed 17 bytes
Description
This field contains the net value of all gross amounts.

Field #99: Settlement Institution Identification Code

Format n-11, LLNUM
Length 1 byte per number
Description
This field contains the ID of the acquirer or acquirer’s settlement agent.net value of all gross amounts.

Field #100: Receiving Institution Identification Code

Format n-11, LLNUM
Length 1 byte per number
Description
This field contains the ID of the receiving institution, if different from that identified by the Primary
Account Number (PAN).

Field #102: From Account Number

Format ans...28, LLVAR
Length 2 byte length followed by up to 28 bytes
Description
This field is used to contain from account as entered by the user at the ATM. Alternatively, this field
can be used to return a from account number by the host.

Field #103: To Account Number

Format ans...28, LLVAR
Length 2 byte length followed by up to 28 bytes
Description
This field is used to contain to account as entered by the user at the ATM. Alternatively, this field can
be used to return to account number by the host.

Field #127: For Private Use

Format ans 999, LLLVAR
Length alphanumeric and special characters, variable length field to a maximum of 999 bytes.
Description
This field is a private reserved field, commonly used by switches for their internal purposes.
Representation
User defined system value.
Note: Data sent here is Echo backed by T24.

Field #128: MAC

Format ans 999, LLLVAR
Length alphanumeric and special characters, variable length field to a maximum of 999 bytes.
Description
Message Authentication Code (MAC) field, used to store the encrypted form of the key that is used to
encrypt the data in the PIN field.
Representation
User defined system value.

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6.2 PHOENIX Transaction Message

These Messages are used for Phoenix Interface, which has fixed Message length. These messages
can have any header values configured by Switch vendor.

6.2.1Message type identifier

The message type identifier is a 4-digit numeric field with the following sub-fields:
First 2 digits are the Message class
Last 2 digits are the Message function
An example of a message type identifier for a financial request transaction sent to the ATM Interface is:
'0200'.
Note: This value has to be configured in ATM.MTI table

6.2.2Data Elements Definitions

Field #1: Customer Identification Number

Format n...20
Description
This field contains the Customer Identification number is a unique number, which uniquely identifies
the customer within the bank.
Representation
This field is Left justified and padded with spaces.

Field #2: Primary Account Number (PAN)

Format n...20
Description
This field contains the primary account number (PAN) as represented on the consumer's Card. This
field is used for all account numbers up to 20 digits in length.
Representation
This field is Left justified and padded with spaces.

Field #3: Processing Code

Format n-6
Length 6 bytes

Description
This field is required in all 01xx, 02xx, 04xx, 06xx, 08xx, 7xxx and 9xxx messages.
• A two digit process code
• A two digit from account
• A two digit to account

Current Phoenix Transactions supported in T24 are:

Transaction Type Message Type Processing Code

Purchase 0200/0420/0205/0206 00xx00

Withdrawal 0200/0420/0205/0206 01xx00

Fund Transfer 0200/0420 40xxyy

Balance Inquiry 0200 30xx00

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Mini Statement 0200 53xx00

Network Message 0800 -NA-

Valid values for xx and yy can be:

00 – Default account
10 – Savings account
20 – Current account
30 – Credit account
Note: The two digit process code has to be configured in ATM.PROCESSING.CODE table

Field #4: Transaction Amount

Format n-12
Length 12 bytes
Description
This field represents the transaction amount in the currency of the acquirer. The field always
represents the original transaction amount.
Representation
The amount field is zero filled and right justified. The decimal places are implied.
Example
To represent the amount US$ 4,901.63 use 000000490163.

Field #5: Settlement Amount

Format n-12
Length 12 bytes
Description
This field represents the amount for which the transaction will be settled in the settlement currency.
Representation
The amount field is zero filled and right justified. The decimal places are implied.

Field #6: Equivalent Amount (Cardholder Billing)

Format n-12
Length 12 bytes
Description
In cases where a transaction takes place in a currency other than the cardholder's currency, this field
represents the amount billed to the cardholder in the currency of the cardholder's account, exclusive of
cardholder billing fees. It is the representation of the purchase amount converted from the currency of
the acquiring country to the cardholder's billing currency.
Representation
The equivalent amount field is zero filled and right justified. The decimal places are implied.

Field #7: Transmission Date and Time

Format n-10, MMDDhhmmss
Length 10 bytes
Description
This data element is required in all IST/Switch messages. It represents the date and time, in UTC
format, at which the transaction first entered the EFT (electronic funds transfer) network. Once set,
this field remains unchanged for the life of the transaction.

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Field #8 – Conversion rate, Settlement

Format n-8
Length 8 bytes
Description
This is the rate used in converting the settlement amount to cardholder billing amount. Transaction
amount is multiplied with this rate to gets Cardholder billing amount.
Representation
This field is Left justified and padded with spaces.

Field #9 – Transaction rate

Format n-8
Length 8 bytes
Description
The factor used in the conversion from amount, transaction to amount, settlement. The amount,
transaction is multiplied by this field to yield the amount, settlement. The leftmost digit denotes the
number of positions the decimal separator shall be moved from the right. Positions 2 to 8 of the field
represent the actual rate.
Representation
This field is Left justified and padded with spaces.

Field #10: System Audit Trace

Format n-6
Length 6 bytes
Description
It is a unique number.
Representation
This field is zero filled and right justified.

Field #11: Local Transaction Time

Format n-6, hhmmss
Length 6 bytes
Description
This field represents the local time at the terminal when the transaction occurred.
Representation
hh Hour of day in a 24 hour clock. mm Minute within the hour.ss Seconds past the minute

Field #12: Local Transaction Date

Format n-4, MMDD
Length 4 bytes
Description
This field represents the local date at the terminal when the transaction occurred.
Representation
MM Month 01 to 12
DD Day of month 01-31

Field #13: Expiry Date

Format n-4, MMDD
Length 4 bytes
Description
Expiry date on the card, expressed as YYMM.

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Field #14: Settlement Date

Format n-4, MMDD
Length 4 bytes
Description
The month and day for which financial totals are reconciled between the acquirer and the issuer.

Field #17: Merchant Type

Format n-4
Length 4 bytes
Description
This field is used to represent the type of merchant generating the request.
Representation
This field is zero filled and right justified.
Example
To represent a merchant type of 6011 (this is an ATM) use 6011.

Field #18: Source Channel Type

Format n-4
Length 4 bytes
Description
This field is used to represent the type of Source channel.
Representation
This field is zero filled and right justified.

Field #19: Destination Type

Format n-4
Length 4 bytes
Description
This field is used to represent the type of Destination channel.
Representation
This field is zero filled and right justified.
Example
To represent a Source type of 6011 (this is an ATM) use 6011.

Field #20: Acquiring Institution Country Code

Format n-3
Length Three bytes
Description
This field contains the code of the country where the acquiring institution is located. This is the
financial organization that is responsible for the merchant or the ATM.

Field #21: Point-of-Service Country Mode

Format n-3
Length 3 bytes
Description
This is the code identifying the country where the card issuer is located.

Field #22: Point-of-Service Entry Mode

Format n-3
Length 3 bytes
Description

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This field indicates the method by which the PAN was captured as well as the terminals PIN entry
capabilities.

Field #23: Point-of-Service Condition Code

Format n-2
Length 2 bytes
Description
This field is used to indicate the condition under which the transaction occurred.

Field #24: Point-of-Service PIN Capture Code

Format n-2
Length 2 bytes
Description
This field represents a code used to indicate the maximum number of PIN characters accepted by the
point-of-service device.

Field #25: Acquiring Institution Code

Format n-11
Description
It indicates the acquiring institution identifier.
Note: acquiring institution identifier for Other Banks has to be configured in ATM.TERMINAL.ACCT
table with ACCT.TYPE set as OTH.ATM or OTH.POS based on client’s requirement.

Field #26: Forwarding Institution Code

Format n-11
Description
A code identifying the institution that forwards the transaction in an interchange system en route to the
card issuer.

Field #27: Track-2 Data

Format n-37
Length 37 left justified, padded with spaces.
Description
This field contains the track2 data as captured by the device.

Field #28: Track-3 Data

Format n-104
Length 104 left justified, padded with spaces.
Description
The complete data on track-3 including the starting and ending delimiters, as read by the ATM from
the magnetic card.

Field #29: Retrieval Reference Number

Format n-12
Length 12 bytes
Description
A reference number supplied by the system retaining the original source information and used to
assist in locating that information or a copy thereof.

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Field #30: Authorization Number

Format n-6
Length 6 bytes
Description
This field is required for all authorized transactions.

Field #31: Response Code

Format n-2
Length 2 bytes
Description
This field is required in all response messages and is used to indicate if the transaction was approved
or if it failed.
Response Code Definition
00 Transaction Approved
05 Unable to process
76 Invalid accounts [Balance Enquiry & Mini statement]
Note: Further Response codes with their errors can be configured in ATM.RES.COD.TABLE

Field #32: Card Acceptor Terminal Identification

Format n-16
Length 8 bytes
Description
This field is used to identify a terminal at the bank. It should be unique within that bank.
Representation
This field contains 16 bytes, left justified with spaces.
Note: acquiring institution identifier for Other Banks has to be configured in ATM.TERMINAL.ACCT
table with ACCT.TYPE set as OTH.ATM or OTH.POS based on client’s requirement.

Field #33: Card Acceptor Identification Code

Format n-15
Length 15 bytes
Description
The value in this field is network dependent.
Representation
This field contains 15 bytes of alphanumeric and special characters.

Field #34: Card Acceptor Name/Location

Format n-40
Length 40 bytes
Description
This field is used for the customer name and location.

Field #35: Additional Response Data

Format n-25
Length 25 bytes
Description
This field indicates additional amounts for all transactions.
Representation
This field describes the balance sent for all transactions

Subfield Position Format Definition

1- Indicates that actual balance is present only

1 1 n-1
2- Indicates that available balance is present only

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3- Indicates that available and actual balances are present

2 2 X Ledger balance Positive/Negative indicator(0/-)

3 3-13 n-11 Ledger Balance

4 14 X Available balance Positive/Negative indicator(0/-)

5 15-25 n-11 Available Balance

Example
To represent an available balance
1000000001098000000001098.

Field #36: Track-1 Data

Format n-76
Length 76 bytes data
Description
This field contains the track1 data as read from the card stripe by the terminal.

Field #37: Additional Data

Format n-44
Length 44 bytes
Description
For Future Use

Field #38: Transaction Currency Code

Format n-3
Length 3 bytes
Description
This is a required field in all messages. It defines the currency code for Field 4 (transaction amount).
Representation
This field is composed of 3 digits, zero filled and right justified.
Example
To represent the code for US currency, use 840.
Note: this value has to be provided in TXN.CCY field in ATM.PARAMETER

Field #39: Currency Code, Settlement

Format n-3
Length 3 bytes
Description
This is a code which identifies the currency used for settlement.

Field #40: Currency Code, Cardholder Billing

Format n-3
Length 3 bytes
Description
This field is a required field when the currency in which the transaction took place is not the same as
the cardholder billing currency.
Representation
This field is composed of 3 digits, zero filled and right justified.
Example
To represent the code for US currency, use 840.

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Field #47: Original Data Elements

Format n-42
Length 42 bytes
Description
This field is required in all 04xx messages. It contains the data elements found in the original
message, intended to identify a transaction for correction or reversal.
Representation
There are five subfields within the message:
Description Type
Original message type identifier n-4 [MTI]
Original trace number n-6 [Field 9]
Spaces n-6
Original transmission time and date n-10 [Field 10 & 11]
Spaces n-6
Original transmission time and date n-10 [Field 6]
Example
0200614325 1112121291 0000049867

Field #48: Replacement Amounts

Format n-42
Length 42 bytes
Description
This field contains the new actual amount data elements necessary to perform a partial or full reversal
on a financial transaction.

Field #50: From Account Number

Format n-28
Length 28 digits, left justified, padded with spaces
Description
This field is used to contain from account as entered by the user at the ATM. Alternatively, this field
can be used to return a from account number by the host.

Field #51: To Account Number

Format n-28
Length 28 digits, left justified, padded with spaces
Description
This field is used to contain to account as entered by the user at the ATM. Alternatively, this field can
be used to return to account number by the host.

Field #53: Additional Data

Format n-400
Length 400 digits, left justified, padded with spaces
Description
Bitmap 53 contains the STMT entries for Mini statement Transaction. For other transactions this field
will be null field.
Subfield Position Format Definition

1 1-8 n-8 Date (in DD-MM-YY format)

2 9-24 n-16 Transaction Description

3 25-40 n-16 Transaction Amount

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Example
14-04-11TRANSFER 100000.00 DB14-04-11TRANSFER 100000.00 DB

7. ISO Message Field Format

7.1Base24/ ATM
7.1.1 Online Transactions
Bit# Field Name 0100 0110 Description
/0200 /0210
/1100 /1110
/1200 /1210

- Message Type Identifier M M

- Primary Bitmap M M

1 Secondary Bitmap M M

2 Primary Account Number (PAN) M M

3 Processing Code M M

4 Amount, Transaction M M

5 Amount, Settlement C

6 Amount, Cardholder Billing C

7 Transmission Date & Time M M

9 Conversion Rate, Settlement C C Present if bit 5 is present

10 Conversion Rate, Cardholder Billing C C Present if bit 6 is present

11 System Trace Number M M

Unique ID for all
transactions
12 Local Transaction Time M M

13 Local Transaction Date M M

14 Expiration Date C C

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15 Settlement Date C C
18 Merchant Type M M
22 POS Entry Mode C C
25 POS Condition Code C C
26 POS Pin Capture Code C C
28 Amount, Transaction fee M M
29 ATM Surcharge Fee C C
32 Acquiring Institution Code M M Acquirer bin no
35 Track-2 Data C C
37 Retrieval Reference Number M M
38 Authorization Number - M This field must be present
for all transactions
authorized by the issuer
processor.
39 Response Code - M This field indicates the
disposition of the
transaction.
41 Card Acceptor Terminal Identification M M
42 Card Acceptor Identification Code C C
43 Card Acceptor Name and Location M M
48 Additional Data C C This field is mandatory for
Mini statement alone.
Since this field will contain
all the transaction details.
49 Currency Code, Transaction M M Original transaction
currency
50 Currency Code, Settlement C C Present if bit 5 is present
51 Currency Code, Cardholder Billing M M
52 Personal Identification Number (PIN) - -
54 Additional Amount - M Contains the balance of
the account.
60 For Private Use C C

102 From Account Identification M M Contains the source

account number for the
transaction.
103 To Account Identification C C For funds transfer should
contain the destination
account number.
127 Private Field C C

7.1.2 Force Posts/Advice Transactions

Bit# Field Name 0220 0230 Description
/1220 /1230

- Message Type Identifier M M

- Primary Bitmap M M

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1 Secondary Bitmap M M

2 Primary Account Number (PAN) M M

3 Processing Code M M

4 Amount, Transaction M M

5 Amount, Settlement C C

6 Amount, Cardholder Billing C C

7 Transmission Date & Time M M

9 Conversion Rate, Settlement C C Present if bit 5 is present

10 Conversion Rate, Cardholder Billing C C Present if bit 6 is present

11 System Trace Number M M Unique ID for all

transactions

12 Local Transaction Time M M

13 Local Transaction Date M M

14 Expiration Date C C

15 Settlement Date C C
18 Merchant Type M M
22 POS Entry Mode C C
25 POS Condition Code C C
26 POS Pin Capture Code C C

28 Amount, Transaction fee M M

29 ATM Surcharge Fee C C

32 Acquiring Institution Code M M Acquirer bin no
35 Track-2 Data C C
37 Retrieval Reference Number M M
38 Authorization Number - M This field must be present
for all transactions
authorized by the issuer
processor.
39 Response Code - M This field indicates the
disposition of the
transaction.
41 Card Acceptor Terminal Identification M M
42 Card Acceptor Identification Code C C
43 Card Acceptor Name and Location M M
48 Additional Data C C This field is mandatory for
Mini statement alone.
Since this field will contain
all the transaction details.
49 Currency Code, Transaction M M Original transaction

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currency
50 Currency Code, Settlement C C Present if bit 5 is present
51 Currency Code, Cardholder Billing M M Present if bit 6 is present
52 Personal Identification Number (PIN) - -
54 Additional Amount - M Contains the balance of
the account.
60 For Private Use C C

102 From Account Identification M M Contains the source

account number for the
transaction.
103 To Account Identification C C For funds transfer should
contain the destination
account number.
127 Private Field C C

7.1.3 Reversal Transactions

Bit# Field Name 0420 0430 Description
/1420 /1430

- Message Type Identifier M M

- Primary Bitmap M M

1 Secondary Bitmap M M

2 Primary Account Number (PAN) M M

3 Processing Code M M

4 Amount, Transaction M M

5 Amount, Settlement C C

6 Amount, Cardholder Billing C C

7 Transmission Date & Time M M

9 Conversion Rate, Settlement C C Present if bit 5 is present

10 Conversion Rate, Cardholder Billing C C Present if bit 6 is present

11 System Trace Number M M Unique ID for all

transactions

12 Local Transaction Time M M

13 Local Transaction Date M M

15 Settlement Date C C
18 Merchant Type M M

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22 POS Entry Mode C C

25 POS Condition Code C C
26 POS Pin Capture Code C C
28 Amount, Transaction fee M M
29 ATM Surcharge Fee C C
32 Acquiring Institution Code M M Acquirer bin no
35 Track 2 Data C C
37 Retrieval Reference Number M M
38 Authorization Number - M This field must be present
for all transactions
authorized by the issuer
processor.
39 Response Code - M This field indicates the
disposition of the
transaction.
41 Card Acceptor Terminal Identification M M
42 Card Acceptor Identification Code C C
43 Card Acceptor Name and Location M M
49 Currency Code, Transaction M M Original transaction
currency
50 Currency Code, Settlement C C Present if bit 5 is present
51 Currency Code, Cardholder Billing M M Present if bit 6 is present
54 Additional Amount - M Contains the balance of
the account.
60 For Private Use C C
90 Original Data Elements M M This field contains the
Original Transaction
elements i.e.
MTI*11*7*32*33
95 Replacement Amounts C C

102 From Account Identification M M Contains the source

account number for the
transaction.
103 To Account Identification C C For funds transfer should
contain the destination
account number.
127 Private Field C C

7.1.4 Network Transactions

Bit# Field Name 0800 0810 Description
/1800 /1810
- Message Type Identifier M M
- Primary Bitmap M M
1 Secondary Bitmap M M
7 Transmission Date & Time M M
11 System Trace Number M M
32 Acquiring Institution Code M M

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39 Response Code - M This field indicates the

disposition of the
transaction.
70 Network Management Code M M Contains the Sign on or
signoff or Echo message.

7.2Phoenix
7.2.1 Online Transactions
Bit# Field Name 0200 0210 Description
/205 /215

- Message Type Identifier M M

1 Customer Identification Number M M

2 Primary Account Number (PAN) M M

3 Processing Code M M

4 Amount, Transaction M M

5 Amount, Settlement C

6 Amount, Cardholder Billing C

7 Transmission Date & Time M M

9 Transaction Fee C

10 System Trace Number M M

Unique ID for all
transactions
11 Local Transaction Time M M

12 Local Transaction Date M M

13 Expiration Date C C
14 Settlement Date C C
17 Merchant Type M M
18 Source Channel Type M M
19 Destination Type C C
22 POS Entry Mode C C
25 Acquiring Institution Code M M Acquirer bin no
26 Forward Institution code C C
27 Track-2 Data C C
28 Track-3 Data C C
29 Retrieval Reference Number M M
30 Authorization Number - M This field must be present

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for all transactions

authorized by the issuer
processor.
31 Response Code - M This field indicates the
disposition of the
transaction.
32 Card Acceptor Terminal Identification M M

33 Card Acceptor Identification Code C C

34 Card Acceptor Name and Location M M

35 Additional Amount - M Contains the balance of
the account.
38 Currency Code, Transaction M M Original transaction
currency
39 Currency Code, Settlement C C Present if bit 5 is present

40 Currency Code, Cardholder Billing C C

50 From Account Identification M M Contains the source
account number for the
transaction.
51 To Account Identification C C For funds transfer should
contain the destination
account number.
53 Additional Data - C This field is mandatory for
Mini statement alone.
Since this field will contain
all the transaction details.

7.2.2 Reversal Transactions

Bit# Field Name 0206 0216 Description
/420 /430

- Message Type Identifier M M

1 Customer Identification Number M M

2 Primary Account Number (PAN) M M

3 Processing Code M M

4 Amount, Transaction M M

5 Amount, Settlement C

6 Amount, Cardholder Billing C

7 Transmission Date & Time M M

9 Transaction Fee C

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10 System Trace Number M M

Unique ID for all
transactions

11 Local Transaction Time M M

12 Local Transaction Date M M

13 Expiration Date C C
14 Settlement Date C C
17 Merchant Type M M

18 Source Channel Type M M

19 Destination Type C C
22 POS Entry Mode C C
25 Acquiring Institution Code M M Acquirer bin no
26 Forward Institution code C C
27 Track-2 Data C C
28 Track-3 Data C C
29 Retrieval Reference Number M M
30 Authorization Number - M This field must be present
for all transactions
authorized by the issuer
processor.
31 Response Code - M This field indicates the
disposition of the
transaction.
32 Card Acceptor Terminal Identification M M

33 Card Acceptor Identification Code C C

34 Card Acceptor Name and Location M M

35 Additional Amount - M Contains the balance of
the account.
38 Currency Code, Transaction M M Original transaction
currency
39 Currency Code, Settlement C C Present if bit 5 is present

40 Currency Code, Cardholder Billing C C

47 Original Data elements M M
48 Replacement Elements C C If partial reversal is present
50 From Account Identification M M Contains the source
account number for the
transaction.
51 To Account Identification C C For funds transfer should
contain the destination
account number.

7.2.3 Network Transactions

Bit# Field Name 0800 0810 Description

- Message Type Identifier M M

1 Transmission Date & Time M M
2 System Trace Number M M

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3 Settlement date M M
4 Response Code - M This field indicates the
disposition of the
transaction.
5 Network Management Code M M Contains the Sign on or
signoff or Echo message.

8. Frequently asked Questions

Question: In Mini statement how to print last 7 transactions made instead of 10 transactions
made?
Answer: In Request mapping of INTRF.MAPPING for Mini statement, Change the Constant value
from 10 to 7

Question: How to add posting restrictions for Non Financial transactions?

Answer: Generic routine called ATM.CHK.POST.RESTRICT will be available in the pack. Kindly
attach this routine to 3.1 of Response mapping, ahead of ATM.ISO.ERR.CODE.RTN.

Question: How to add customized routines in Framework?

Answer: If any values have to be triggered during the formation of OFS String, then those routines
have to be attached in REQUEST mapping record after AT.ISO.FMT.BAL.RTN
Note: In mini statement, customized routines have to be attached from 3.3, since routines
attached in 3.1 and 3.2 are used.

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Question: How to display the balances even if the transaction is declined?

Answer: This generic routine AT.GET.BAL.AFT.TXN can be attached in RESPONSE mapping of
INTRF.MAPPING application as given below to display balances, if required.

Similarly if AUTH CODE is not displayed kindly follow the above steps to attach this generic
routine AT.GET.AUTH.CODE

Note: This routine can also be attached if charges are raised based on Separate FT concept. if
attached, the latest balances after charges are raised will be reflected.

Question: Does foreign currency support in ATM Framework?

Answer: Yes, it will support based on configurations. Kindly follow the below instructions
In Request Message of INTRF.MAPPING records, kindly configure as below

Intrf Fld Ps will be as 49. Set it based on requirements and attach the generic routine
AT.CALC.FCY.CCY with Field source set as Rtn
Ex: change it as Transaction currency [i.e Txn currency posn - 49 here] *C%* Settlement currency
[i.e. Foreign currency posn - 51 here]
Note: Transaction currency position should always be provided and it should be similar to
TXN.CCY field set in ATM.PARAMETER.

Similarly do the same for Credit Amount as transaction amount field position *C%* settlement
amount position and attach the generic routine AT.CALC.FCY.AMT with Field source set as Rtn

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, if needed

Question: How to log the transaction details for Non financial transactions and for failed
transactions?
Answer: Kindly attach this ATM.UPD.TXN.LOG.RTN to RESPONSE mapping record. This routine
will update all the transaction details even for failure transactions and also for Non Financial
transactions.

9. Exceptions
* - Indicates the transactions which are not available for PHOENIX Interface in Generic Framework.
However these transactions can be provided based on the request from client.

**- Indicates the fields which are not supported for Base24/ATM interfaces

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