2002-2011 FIRST DATA CORPORATION All Rights Reserved. Printed in U.S.A. This document contains confidential and proprietary information of First Data Corporation. You may not disclose, copy or use any portion of these materials for any purpose without the express written consent of First Data Corporation. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners. Periodic revisions to this manual are issued to reflect technical changes and enhancements to the System, and to ensure that all information contained herein remains current and accurate.
Table 3.11: 0100/0101 Pre-authorization Request Table 3.12: 0110 Pre-authorization Response Table 3.13: 0120/0121 Pre-authorization Advice Table 3.15: 0200/0201 Financial Transaction Request Table 3.16: 0210 Financial Transaction Response Table 3.17: 0220/021 Financial Transaction Advice Table 3.33: 0420/0421 Acquirer Reversal Advice
Chapter 4
Updated elements:
DE 042 Card Acceptor/Merchant Identification Code DE 125 Network Management Information/Tagged Issuer Data
Chapter 9
Chapter 11 Chapter 13
Updated Table 11.9: Position 9-10: Terminal Type Updated Data Element 104: Transaction Description Interchange Group Identifier Values
February 2011
Table of Contents
Part 1: STAR ISO 8583 Message Format Guide Chapter 1: Introduction 9 10 Chapter 2: Operational Considerations Overview 10 Considerations 11 8
Chapter 3: Message Formats 22 Message Structure 22 Message Types 22 Repeated Messages 23 Pre-authorization Messages 23 Financial Transaction Messages 25 File Maintenance Messages 26 Card Activation Messages 29 Reversal Messages 29 Administrative Error Messages 32 Network Management Messages 33 Bit Maps and Data Elements 34 Message Layouts 35 Bit Number and ISO Field (Data Element) Name 35 Data Type 35 Requirements Trnsmit / Recv 37 Notes 38 Pre-authorization Messages 39 0100/0101 Pre-authorization Request 39 0110 Pre-authorization Response 46 0120/0121 Pre-authorization Advice 53 0130 Pre-authorization Advice Response 60 Financial Transaction Messages 62 0200/0201 Financial Transaction Request 62 0210 Financial Transaction Response 70 0220/0221 Financial Transaction Advice 77 0230 Financial Transaction Advice Response 85 File Maintenance Messages 87 0300 Acquirer File Update Request (Negative File) SE/W Platforms 87 0302 Card Issuer File Update Request (Negative File) 89 0310 Acquirer File Update Response (Negative File) SE/W Platforms 90
February 2011
0312 Card Issuer File Update Response (Negative File) 90 0322 Negative File Update Advice 92 0332 Negative File Update Advice Acknowledgement 93 0382 PIN Change Request 93 0392 PIN Change Reply 95 0382 PIN Offset File Update Request 96 0392 PIN Offset File Update Reply 98 0382 Card Activation Request 100 0392 Card Activation Reply 100 0384 PIN Change Advice - NE Platform 102 0394 PIN Change Advice Acknowledgement - NE Platform 102 Reversal Messages 104 0420/0421 Acquirer Reversal Advice 104 0430 Acquirer Reversal Response 112 Administrative Messages 114 0620 Administrative Advice 114 Network Management Messages 115 0800 Network Management Request 115 0810 Network Management Response 116 Chapter 4: Data Element Definitions 117 STAR ISO 8583 Message Data Formats Unsupported Data Elements 117 Data Elements 119 Part 2: Reference Material 216 217 117
Chapter 5: Data Element Index 217 Data Element by Alphabetical Element Description Chapter 6: Format Options 223 ASCII/EBCDIC Table 223 Check Digit Calculation 235 Modulus 10 Check-Digit Routine Example 235 Luhn Formula 236 Example 236
235
Chapter 7: Data Element 003: Processing Codes ATM 237 Mandatory (Issuer/Acquirer) 237 Optional (Issuer/Acquirer) 238
STAR ISO 8583 MESSAGE FORMAT GUIDE
Confidential and proprietary to First Data
237
February 2011
Point of Sale 240 Mandatory (Card-Issuer Processor Only) Mandatory (Acquirer Only) 243 Optional 243
240
Chapter 8: Data Element 018: Merchant Type 244 Merchant Type Codes - Numerical Order 244 Merchant Type Codes - Alphabetical Order 276 Chapter 9: Data Element 039: Response Codes 310 317 Chapter 10: Data Element 054: Additional Amounts Overview 317 Account Balance Handling 318 Partial Amount Authorization 318 STAR SE/W Platform 318 STAR NE Platform 319 Pre-authorized Amount Completion 320 Account Type 320 Amount Type 321 Currency Code 323 Amount 324
Chapter 11: Data Element 058: National Point of Service 325 DE 058 - Position 1: Terminal Operation 325 DE 058 - Position 2: Customer Operation 325 DE 058 - Position 3: On/Off Premise 325 DE 058 - Position 4: Cardholder Present 326 DE 058 - Position 5: Card Present 326 DE 058 Position 6: Device Card Retention 327 DE 058 Position 7: Transaction Disposition 327 DE 058 Position 8: Security Condition 328 DE 058 Position 9-10: Terminal Type 329 Sample STAR ISO Acquirer P-58 Combinations 331 Chapter 12: Data Element 060: Advice/Reversal Reason Code Reversal Reason 334 Advice Reason 335 334
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values 337 Chapter 14: Data Element 105: Large Private Data POS Payment Transactions 343 343
February 2011
Account List Inquiry 344 Account Balance Profile 346 Enhanced Balance on Receipt
349
Chapter 15: Data Element 121: Additional Data, Private Issuer 352 Statement Processing 352 0200 Message Statement Data Request 352 121Additional Data, Private Issuer Statement Data Request 352 0210 Statement Data Reply Message 353 121Additional Data, Private Issuer Statement Data Reply 353 DE 121 Statement Data Fixed Segment (32 Bytes) 354 DE 121 Reply Fixed Segment (11 Bytes) 357 DE 121 Reply Detail Segment (31 Bytes) 358 DE 121 Reply Header Segment (72 Bytes) 359 DE 121 Reply Trailer Segment (72 Bytes) 359 Chapter 16: Country/Currency/State Codes Country/Currency Code 360 360
February 2011
February 2011
Chapter 1
Introduction
This guide is intended for decision makers evaluating the STAR Network transaction processing and the programmers and analysts who design, implement, and support the system. The STAR ISO 8583 Message Format Guide provides information for processing online transactions using a standard ISO interface message structure on all STAR processing platforms: Northeast (NE), Southeast (SE) and West (W). It is the first book in the STAR ISO 8583 series, which consists of the following manuals: Manual Title
STAR ISO 8583 Message Format Guide
Description
The STAR ISO 8583 Message Format Guide provides information for processing online transactions using a standard ISO interface message structure on all STAR processing platforms. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway, Electronic Benefits Transfer, and STAR Product processing. The STAR Platform Interface Guide is the technical interface to the STAR processing interface. Information includes protocols, encryption standards and telecommunications procedures. The information presented is delineated by each STAR platform. Separate file layouts are variable by Platform and are available on the STAR STATION portal or upon request.
File Layouts
February 2011
Chapter 2
10
Operational Considerations
Overview
The STAR ISO 8583 message format presents many opportunities for processing and reporting. Listed below are specific considerations for clients who are unfamiliar with ISO message formats to review to determine how STAR ISO 8583 use will impact their business process:
Transaction Amount Merchant Type Code Convenience Fees (Surcharge and Rebate) Location Information Network Identifiers Merchant Authorized Submissions and Resubmissions Processing Routebacks Corrections/Cancellations Repeat Transactions
Additional Amount Information Merchant Authorized Transactions Matching POS Pre-authorization to Financial Completions Over/Under Dispense Reversals STAR ISO Message Handling
February 2011
11
Considerations
Transaction Amount
Fields DE 004 Amount, Transaction DE 005 Amount, Settlement DE 006 Amount, Cardholder Billing Considerations
When a STAR cardholder is performing an ATM or POS transaction in a currency of other than US dollars, and if the acquiring network passes "multi-currency" fields in request messages, then DE 004 will contain the transaction amount in the acquirer's currency, and will contain the transaction amount in US dollars. Therefore, when both DE 004 and DE 005 are present in the transaction, DE 005 will contain the amount to be debited from or credited to the cardholder's account. Processors should consider making both fields available on the customers statement and reporting both amounts on internal/ settlement reports. Having both amounts available will aid in resolving consumer questions relating to international transactions. Because the STAR platform is settled in US dollars and currently all STAR issuers are US-based issuers, DE 005 (Amount, Settlement) and DE 006 (Amount, Cardholder Billing) for non-US dollar transactions are always equal. When they are equal DE 006 is by default suppressed. For MasterCard transactions that include a currency conversion assessment (CCA) fee, DE 005 contains the sum of the transaction amount and the CCA. STAR issuers on the SE/W Platform have an option to be passed DE 006 - which will contain the transaction amount without the CCA fee. STAR issuers on all STAR platforms receive (or have the option to receive) the CCA fee in DE 055. For transactions involving CCA, the amount in DE 006 + DE 055 = DE 005. When a cardholder of a non-US-based issuer uses a STAR ATM or POS device, and the issuing network passes "multi-currency" fields in response messages, then the STAR ISO acquirer may receive DE 006 (Amount, Cardholder Billing) in the response message. The STAR terminal owner is not required to retain this field. See also Chapter 16 in this manual and the STAR ISO 8583 Gateway/ Product Interface Guide for additional information.
February 2011
12
Currency Information
Fields DE 009 Conversion Rate, Settlement DE 010 Conversion Rate, Cardholder Billing DE 016 Date, Conversion DE 019 Acquiring Institution Country Code DE 049 Currency Code, Transaction DE 050 Currency Code, Settlement DE 051 Currency Code, Cardholder Billing DE 114 Country Code, Authorizing Agent Considerations
All STAR terminal owners are within the US and settle in dollars; therefore, the STAR Switch does not support currency conversion between STAR Members. Other networks to which a STAR network is connected (e.g., CIRRUS and PLUS) support international transactions. Therefore, the currency information can be valuable for participants of the international networks. For example, if a STAR cardholder used an ATM in Europe, the STAR ISO request message would provide information about the type of currency which was dispensed, the country in which the terminal was located, the date of the currency conversion, and the rate at which the currency was converted to US dollars. If the cardholder later questioned the transaction, the issuing institution, which retains the currency information, would be able to relay the pertinent information to the cardholder.
The Acquirer Institution Country Code would be valuable to business/ marketing areas to determine where their customers are traveling to outside of the US.
February 2011
13
DE 022 must be present for all POS transactions, and is optional (but recommended) for ATM transactions. DE 058 must be present for all transactions. Special transaction processing might also be necessary, depending upon the content in these fields. For example, the Card-Issuer Processor might want to perform special processing on a merchant authorized resubmission transaction. The Card-Issuer Processor might also use the terminal type code to determine what type of fees (if any) are to be charged to the customer. DE 025 Point-Of-Service Condition Code is optionally used/available on the STAR SE/W platforms. It may only be sent/received to supplement the information in DE 058. It may not be used without DE 058. When DE 025 is sent to STAR issuers, it will generally contain information that was received from other networks (e.g., Visa) behind STARs.
February 2011
14
The STAR network allows surcharging or rebating of transactions by terminal owners. The amount of the transaction must be reported separately from the amount of any surcharge/rebate in the online transaction. Note that when STAR cardholders are performing transactions in a non-US currency, and a surcharge is being assessed, the surcharge amount in DE 028 will be in the acquirer's currency, and in DE 029 in US currency. Therefore, when both DE 028 and DE 029 are present in the request message, the issuer processor must use the amount from DE 029 for posting the fee to the cardholder's account. The Card-Issuer Processor has new options relating to the handling of surcharge/rebates. First, the Card-Issuer Processor can now exclude the surcharge/rebate amount when checking the cardholder limits (thereby avoiding the problem of customers requesting their full limit being denied for over-limit because the Acquirer Processor added a surcharge). Secondly, the Card-Issuer Processor can report the transaction amount separately from the surcharge/rebate amount on the customer's statement.
Response Codes
Fields Considerations DE 039 Response Code A Card-Issuer Processor must support a minimum set of response codes. The remaining codes can be optionally supported by the Card-Issuer Processor. STAR ISO Acquirer Processors must ensure they map all of the response code values to existing terminal screens, or have created new screens to support the codes. Acquirer Processors that track response codes for reporting purposes must take into account all response codes and make modifications where necessary.
February 2011
15
Location Information
Fields DE 043 Card Acceptor Location DE 048 Member Institution/Merchant Name Considerations STAR ISO 8583 processing provides significantly more space for location information than many other networks. STAR Acquirer processors must populate both DE 043 and DE 048 in request messages. STAR Issuer processors will be passed DE 043 and DE 048 in all messages, thus enabling cardholder statements to list meaningful location information. See Chapter 4 of this guide for additional information.
Network Identifiers
Fields Considerations DE 063 STAR Identification Data
For transactions involving an acquiring or issuing network of other than STAR, DE 063 is used to convey a three-position alphanumeric acquirer or network "network ID" to identify the other network. DE 063 is also used to carry pseudo terminal IDs, processor IDs, and processing flags that are needed to support partial amount approvals. Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.
February 2011
16
Scenario 1: The Merchant Processor connection to the network is unavailable and cannot receive an authorization or denial response for a transaction (this is commonly referred to as Merchant Store & Forward). Scenario 2: The Merchant or Merchant Processor receives a denial from the Card-Issuer Processor for Insufficient Funds (response code 51) or Exceeds Limit (response codes 61, 65), and chooses to over-ride the denial from the Card-Issuer Processor and approve the transaction for the customer.
Merchant Authorized Transactions, other than pre-authorized completion transactions meeting the requirements in the Operating Rules, are at the risk of the Merchant. The STAR Switch shall neither authorize nor decline Merchant Authorized Transactions on behalf of the Processor. If the Card-Issuer Processor is unavailable to authorize or decline a Merchant Authorized Transaction, the Switch shall deny the transaction as Issuer Inoperative to the Merchant or Merchant Processor. Valid response codes for Resubmission of Merchant Authorized Transactions Scenario #1 (Merchant Store & Forward) Response Code 51 55 61 65 75 76 Description Not Sufficient Funds Invalid/Incorrect PIN Exceeds Withdrawal Amount Limit Exceeds Withdrawal Frequency Limit Allowable PIN Tries Exceeded Key Sync Error Valid response codes for Resubmission of Merchant Authorized Transactions Scenario #2: Response Code 51 61 65 Description Not Sufficient Funds Exceeds Withdrawal Amount Limit Exceeds Withdrawal Frequency Limit
February 2011
17
The initial submission of a Merchant Authorized Transaction is referred to as an 'Original Submission'. Subsequent submissions of a Merchant Authorized Transaction, following a denial of the Original Submission, are referred to as a 'Resubmission'. An Original Submission may be sent to the STAR Switch once, except when it is denied by the STAR Switch for 'Issuer Inoperative'. Original Submissions denied by the STAR Switch for 'Issuer Inoperative' may be re-sent to the network Switch once every 30 minutes until an approval or denial (other than Issuer Inoperative) is received. Data Elements for submission and resubmission transactions: DE 002 DE 013 DE 022 PAN (required if DE 035 is not provided) Local Date (date transaction occurred). Point of Service Entry Mode
Set to 021 on Submission (with Track and PIN) Set to 022 on Resubmission (with Track and without PIN) Set to 012 on Resubmission (without Track and without PIN)
DE 035
Track 2 Data on submissions (optional on resubmissions) PIN Data on submissions (not present on resubmissions) National Point of Service Condition Code
DE 052
DE 058
February 2011
18
STAR ISO 8583 Acquirer Processors are required to transmit the PIN, Track 2 Data and the Capture Date on the first submission of a Merchant Authorized Transaction. Resubmissions can be transmitted only one time during a 24-hour period during a 12-day time frame. In addition, the National Point of Service Condition Code must be updated. Position 7 should be set to 4 on all initial submission transactions. All resubmissions should be set to 5. All additional information contained in DE 058 should remain the same throughout the Life of the Transaction.a
a.
Life of the Transaction is defined as the initial request and response, as well as any corrective processing associated with it such as a reversal.
Corrections/Cancellations
Considerations
Following receipt of a POS transaction, any correction or cancellation of the amount of the transaction must be initiated by swiping the magnetic stripe on the card and entering the PIN. The correction or cancellation may be for all or part of the original transaction amount and must be initiated within 24 hours of the original transaction. STAR Acquirer Processors imposing a Convenience fee (surcharge) on the original transaction must separate the surcharge amount in the correction/cancellation transaction. The surcharge amount is contained in Amount, Transaction Fee (DE 028).
Routebacks
Considerations A STAR processor will find multiple records for the same transaction when the issuing and acquiring interfaces both belong to the same processor and all transaction activity is reported in one User File. An Acquirer Processor may choose to route their on-us activity to the STAR Switch, which will route it back to the processor. Note: these transactions will be fee billed twice: once for the acquirer transaction and once for the issuer transaction. The STAR NE Platform does not support this option.
Platform Distinction
February 2011
19
Over- and under-dispense reversals are supported via an 0420 message, not as an additional debit transaction. DE 095 should be populated with the amount actually dispensed (e.g., an amount greater or less than the original amount requested). DE 095 should not be populated with amount equal to the original amount in DE 004 or DE 005, because if the amount dispensed equaled the amount requested, then reversal would have no net effect. Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero) are not permitted. Transactions that include a MasterCard Currency Conversion Assessment (CCA) fee and are reversed for an over- or under-dispense, will include DE 056 to convey the replacement CCA fee. Please see Chapter 4 of this guide and the STAR ISO Gateway / Product Interface Guide for additional information.
February 2011
20
For signature debit POS transactions, the following matching criteria are recommended:
DE 002 (or DE 035 or DE 045) Primary Account Number (PAN) DE 038 Authorization ID; DE 038 is provided by the Card Issuer in the pre-authorization response and is returned in the financial completion.
Additional matching criteria that can be used for secondary matching include:
DE 004 Transaction Amount (+/- 20 25%) DE 013 Local Date DE 018 Merchant Type (Merchant Category Code or SIC) DE 127 Pre-authorization Key (assigned by Visa / MasterCard)
Platform Distinction
The following criteria are recommended for matching PIN-based POS pre-authorizations to completions on different STAR platforms.
DE 002 PAN (in completions) with PAN portion of DE 035 Track 2 DE 011 System Trace Audit Number DE 041 Card Acceptor Terminal Identification
DE 002 PAN (in completions) with PAN portion of DE 035 Track 2 DE 011 System Trace Audit Number DE 035 Card Number DE 013 Local Transaction Date DE 012 Local Transaction Time DE 041 Card Acceptor Terminal Identification
February 2011
21
Processors must be capable of handling any and all STAR ISO data elements in a message. Currently, a STAR ISO message can consist of any combination of data elements 001 through 128. If, for some reason, you receive a message that contains a data element that is not specified in the STAR ISO 8583 technical specifications, the processor should be able to accept the field. In addition, processors should edit to ensure mandatory fields are present in all message types where indicated and include privately required fields.
Issuers may not send fields in the response unless they are present in the request message or defined in the 0110 or 0210 message layouts.
Repeat Transactions
Platform Distinction
On the STAR SE/W platforms, if an acquirer is sending a repeat message, fields and content must be the same between the original and the repeat message (except for the message type identifier, which increases by one). For example, a repeat message for a 0100 Pre-authorization Request could have a message type identifier of 0101. If the STAR NE Platform receives a repeat transaction from an Acquirer, the Switch will format this transaction into the original message type. For example, a 0201 will be received by the STAR NE Switch and formatted into a 0200. If the STAR SE/W platform sends a 0220 or 0420 advice to an issuer and does not receive a timely 0230 or 0430 acknowledgement, then the same advice will be resent using a message type of 0221 or 0421 until an acknowledgement is received.
February 2011
Chapter 3
22
Message Formats
Online communication of financial activity using the STAR ISO 8583 message format takes place via highly structured messages that flow to and from the STAR Switch. Processors, Issuers, and Acquirers must be prepared to send and receive correctly-formatted STAR ISO 8583 messages to ensure smooth online operations.
Message Structure
All messages in the STAR ISO 8583 processor interface consist of three general components:
Message Type Identifier a four-position numeric code beginning with 0, identifying the basic purpose of the message. Bit Maps a series of bits that indicate the presence or absence of possible data elements in the individual message. Data Elements the bulk of the message, a collection of data items in the order of the bit map representation.
The length of individual messages can vary depending on the number and length of the data elements that they include.
Message Types
In the four-position Message Type ID code, the first two positions identify the Message Class:
01xx = Pre-authorization Messages 02xx = Financial Transaction Messages 03xx = File Maintenance Messages 03xx = Card Activation Messages 04xx = Reversal Messages 06xx = Administrative Error Messages 08xx = Network Management Messages
February 2011
23
Repeated Messages
Whenever a repeat message is identified, the repeat message must be the same as the original message, except for the Message Type identifier, which increases by one. For example, the repeat of a 0100 Pre-authorization Request message would have a Message Type identifier of 0101. The STAR NE Platform does not support the indication of repeats in the Message Type identifier. If the STAR NE Switch receives a repeat transaction from an Acquirer, the transaction will be presented as the original Message Type. For example, a 0201 received by the STAR NE Switch will be formatted as a 0200.
Pre-authorization Messages
Disposition: Non-Financial Pre-authorizations occur in both PIN-based and signature debit POS transactions as the first part of a two-part POS transaction. A pre-authorization is used to validate if the cardholder has sufficient funds for a point-of-sale purchase. The transaction, produced at the time of the purchase, represents the amount to hold on the cardholder account.
All issuing Point of Sale processors must certify this message type. Optional for Point of Sale Acquirer Processors. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0110 reply after 60 seconds may optionally generate a 0101 repeat request transaction. STAR Card-Issuer Processors must be able to accept both 0100 requests and 0101 repeat request message types. Similarly, they must be able to accept both 0120 and 0121 advice messages. The 0120/0121 advices will be retransmitted to a Card-Issuer Processor once each minute until a matching 0130 is received. If a Card-Issuer Processor is unavailable when an 0120 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that the STAR networks interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity.
February 2011
24
If a STAR processor receives invalid data element content in a pre-authorization request or an advice message, then STAR processing will deny the transaction in the 0110/0130 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. If the Issuer receives invalid data element content in a pre-authorization request message, then the Issuer should deny the transaction in the 0110 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. STAR Issuers receiving invalid data element content in an advice message must still acknowledge the message with a 0130 message with a Response Code 00 (approved). If STAR processing receives a pre-authorization request or advice for which it is unable to parse bit or byte maps or field lengths, then STAR Networks will return a 0620 message to the acquirer. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths. Similarly, STAR Acquirers should only send a 0620 message in response to a 0110 or 0210 response if they are unable to parse the bit or byte maps or the field lengths. Table 3.1: Pre-authorization Message Types
Type ID 0100 Message Type Pre-authorization Request Repeat Pre-authorization Request Pre-authorization Reply Comments Both PIN-based and signature debit transactions.
0101
0110
To ensure appropriate matching criteria, DE 038, Authorization ID is provided by the Issuer. This information is provided in the inbound completion.
0120 0121
Pre-authorization Advice Repeat Pre-authorization Advice Advice Acknowledgement STAR SE/W Platforms only.
0130
February 2011
25
Required for all ATM and POS Card-Issuer Processors. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0210 reply after 60 seconds may optionally generate a 0201 repeat request transaction. STAR Card-Issuer Processors must be able to accept both 0200 requests and 0201 repeat request message types. Similarly, they must be able to accept both 0220 and 0221 advice messages. The 0220/0221 advices will be retransmitted to a Card-Issuer Processor once each minute until a matching 0230 is received. If a Card-Issuer Processor is unavailable when a 0220 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that STAR's interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity. If STAR processing receives invalid data element content in a financial request or advice message, then the STAR processor will deny the transaction in the 0210/0230 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. If the Issuer receives invalid data element content in a financial request message then the Issuer should deny the transaction in the 0210 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. Issuers receiving invalid data element content in an advice message must still acknowledge the message with a 0230 with a Response Code 00 (approved). If STAR receives a financial request or advice for which it is unable to parse bit or byte maps or field lengths, then STAR Network will return a 0620 message to the acquirer. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths.
February 2011
26
Similarly, STAR Acquirers should only send a 0620 message in response to a 0110 or 0210 response if they are unable to parse the bit or byte maps or the field lengths. Table 3.2: Financial Transaction Message Types
Type ID 0200 Message Type Financial Request
Comments ATM, POS, Point of Banking transactions. Data Element DE 003 (Processing Code) defines the type of financial requested.
0201
0210 0220
Forced post transaction by the merchant acquirer. Stand-in financial transaction approved by the STAR Switch.
0221 0230
February 2011
27
The STAR NE Platform provides an optional service to notify an Issuer online when updates have been made to their card data. With this option, Issuers can receive an 0302 or a 0322 and respond back with a 0312 or 0332 to ensure that their own internal negative file is synchronized. Note The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message. STAR SE/W Platforms can optionally generate an 0300 file update request. This message is intended to inform the Card Issuer that a cardholder PAN with a negative status has been added to the institutions processors switch negative file that is used in stand-in and added to the debit services (MasterCard Visa Check) Hot Card Status file. Table 3.3: File Maintenance Message Types
Type ID 0300 Message Type Acquirer File Update Request
Comments Normally, an Issuer-initiated request. STAR SE/W provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0300 would be sent to the Issuer. Normally, an Issuer-initiated request. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0302 would be sent to the Issuer. The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/ 0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message.
0302
February 2011
28
Comments Normally, a STAR processor response to the Issuer. STAR SE/W provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0310 would be sent to STAR from the Issuer. Normally, a STAR processor response to the Issuer. STAR NE platform provides a negative file notification service out to Issuers for any card statused by an internal staff member. In this case, a 0312 would be sent to STAR from the Issuer. A STAR processing response to the Issuer. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0322 would be sent to the Issuer from STAR. The STAR Networks use of the 0302 message that notifies Issuers of updates to their card data on the STAR Negative File is being replaced with the 0322/ 0332 advice messages. Please notify your Relationship Manager if you are still receiving the 0302 messages for the STAR Negative File Updates and would prefer to receive the 0322 message. Normally, a STAR processor response to the Issuer. STAR NE provides an optional negative file notification service out to Issuers for any card statused by any user or application other than the clients or clients initiated maintenance. Examples would include an internal STAR staff member or CV Denial functions. In this case, a 0332 would be sent to STAR from the Issuer.
0312
0322
0332
0382 0392
A STAR processing initiated request. An Issuer response to a STAR initiated PIN change request. An Issuer initiated request.
0382
February 2011
29
0392
0394
Reversal Messages
Disposition: Financial or Non-financial (reflecting the original transaction) A reversal is an electronic message, generated by the Acquirer or the STAR Switch, that serves to cancel all or part of a previously authorized STAR transaction. A reversal may not be processed as instructed for the reasons listed below:
The message cannot be delivered. The message cannot be processed. The message has been cancelled by the receiver.
February 2011
30
This transaction is required for all issuing and acquiring ATM/POS processors. This transaction will be accepted as a reversal of an approved 0110 or 0210 transaction. Reversals of approved balance inquiry transactions are not supported. On the STAR SE/W Platforms, Acquirer Processors who do not receive a 0430 reply after 60 seconds may optionally generate a 0421 repeat reversal transaction. STAR Card-Issuer Processors must be able to accept both 0420 reversal and 0421 repeat reversal message types. The 0420/0421 reversals will be retransmitted to a Card-Issuer Processor once each minute until a matching 0430 is received. If a Card-Issuer Processor is unavailable when a 0420 is generated, the message will be saved and attempts at transmission will begin when communications have been reestablished. It is highly recommended that the STAR networks interleaving option be used to efficiently manage stand-in and advice notification. This feature allows those processors that have developed a large store-and-forward queue file the ability to intermingle received online with advice transaction activity. If STAR processing receives invalid data element content in a reversal messages, then STAR will acknowledge the message with a 0430 response message back to the acquirer using Response Code 30 (format error) and will include the data element number that is in error within DE 044. STAR Issuers receiving invalid data element content in a reversal message must still acknowledge the message with a 0430 with a Response Code 00 (approved). If a STAR processor receives a reversal for which it is unable to parse bit or byte maps or field lengths, then STAR will return a 0620 message to the acquirer. If the STAR Issuer receives a reversal message for which it is unable to parse bit or byte maps of field lengths, then the Issuer must minimally return a protocol-level 'ACK'. Table 3.4: Reversal Message Types
Type ID 0420 Message Type Reversal Advice Comments DE 090, Original Data Elements provides information on the original transaction. STAR NE does not send 0421 messages.
0421
February 2011
31
February 2011
32
The STAR Switch will generate a 0620 Administrative Advice when the Switch cannot successfully parse the bit or byte maps. A 0620 message will also be generated if the processor fails to include the mandatory fields in the message. The additional data field will contain the first 255 bytes of the message in error. Processors should log the receipt of a 0620 message from the Switch for research purposes. In addition, processors should log an error message to their network console indicating that an error condition has occurred. If the Issuer receives invalid content in one or more data elements in a request message, then the Issuer should deny the transaction in the 0110/ 0210 response message using Response Code 30 (format error) and should include the data element number that is in error within DE 044. If the Issuer receives invalid content in data elements in a reversal or an advice message, the Issuer must still acknowledge the message with a 0130/0230/0430 with a Response Code 00 (approved). It is not appropriate to send a 0620 message (or a Response Code 30 reply) in these situations. Transactions responded to with a 0620 message will not have a reply or be settled by the Switch. STAR Issuers should only send a 0620 message in response to a 0100 or 0200 request if they are unable to parse the bit or byte maps or the field lengths.
February 2011
33
If the Issuer receives invalid content in one or more data elements in a request message, then the Issuer should deny the transaction in the 0110/ 0210 response message using Response Code 30 (format error). If the Issuer receives invalid content in data elements in a reversal or an advice message, the Issuer must still acknowledge the message with a 0130/ 0230/0430 with a Response Code 00 (approved). It is not appropriate to send 0620 messages in these situations. Table 3.5: Administrative Error Message Type
Type ID 0620 Message Type Administrative Advice Comments
All STAR Card-Issuer Processors and Acquirer Processors must certify the 0800 messages. For Key Management Support, the STAR Switch maintains both the current and prior values of the Acquirer Processor working key. If a transaction received from an Acquirer Processor is subsequently denied by the STAR security module for a key sync or sanity error, the Switch will attempt to translate the PIN one additional time using the prior key. When a key change message sent to a processor is rejected or not responded to, the Switch will continue to encrypt the PIN using the existing working key.
STAR strongly recommends that all processors maintain both the current and prior working key values for translation purposes. Under this methodology, processors should be able to avoid unnecessary key sync or sanity errors due to key change situations. Table 3.6: Network Management Message Types
Type ID 0800 Message Type Network Management Request Comments DE 070, Network Management Information Code is used to describe a specific purpose or function of each message.
0810
February 2011
34
OR
At the bit level of the bit maps, 1 bits indicate that the corresponding data elements are on and should be present; 0 bits indicate that the corresponding data elements are off and should not be present. All messages contain a Primary bit map. Depending on which data elements are included, a message may also have a Secondary bit map appearing immediately after the Primary. Table 3.7: Message Bit Maps
Bit Map Primary Description Present in all Message Types
Secondary
Contains 64 bit positions to represent data elements 065128. If Secondary bit map is present, first position is 1.
Certain data elements for any Message Type are always required. However, not all the data elements listed for a Message Type layout given in this chapter will be found in a given instance of that message. Unnecessary data items are omitted. Thus the bit maps are necessary to identify to the processor interface which of all the possible data elements are present in each particular Message Type instance.
February 2011
35
Message Layouts
In the message layout tables that follow, each row represents a STAR data element that may be a part of a message of that Message Type. The message layout tables in this section have the following headings:
Bit ISO Field Name Data Type Requirements Trnsmit / Recv Notes
Data Type
The Data Type column of the message layout tables uses the following indicators to describe data element attributes: Table 3.8: Data Type Indicators
Indicator b Definition Binary will be hexadecimal characters if the packing option is not set. Alphabetic characters only. Numeric values (digits) only. Alphanumeric characters only. Notes Left-justified with trailing zeros.
A N AN
Left-justified with trailing spaces. Right-justified with leading zeros. Left-justified with trailing spaces.
February 2011
36
Notes Left-justified with trailing spaces. Left-justified with trailing spaces. When the numeric packing option is set, all lengths are 1-byte binary. Odd-length packed numerics have a leading zero to ensure that data elements begin and end on byte boundaries.
LLV
Variable data field that can have a length range of 1-99. When the packing option is not set, the variable-length subfield is 2 numeric characters long. Otherwise, the variable-length subfield is one byte long. Variable data field that can have a length range of 1-255. When the packing option is not set, the variable-length subfield is 3 numeric characters long. Otherwise, the variable-length subfield is one byte long. C indicates a positive amount (credit). D indicates a negative amount (debit). For zero amounts, 0 may be used.
The maximum data element length that can be represented by the packed 1-byte binary is 255. The length of a variable-length field may exceed the maximum message size defined by STARs software. If this occurs, only the message size defined by STAR will pass through the Switch.
LLLV
For financial transactions, the value of the amount (credit or debit) is given from the cardholders perspective.
Throughout the message layout tables that follow, the length of the variable-length sub-element (Byte Map) is shown as if the numeric packing option is not set. If the numeric packing option is set, all length sub-elements are one byte long. The 1-byte binary allows a maximum data field length of 255. With the numeric packing database option turned on, no data field may be longer than 255.
February 2011
37
The data elements defined by STAR as conditional or optional may be required to interchange with endpoints using other message structures. Refer to the STAR ISO 8583 Gateway/Product Interface Guide for the specific link to determine additional data element requirements.
February 2011
38
Notes
The Notes column provides additional clarifications on the use of the element in the online message. For a full description of each data elements usage, refer to Chapter 4: Data Element Definitions of this document and/or the STAR ISO 8583 Gateway/Product Interface Guide. Table 3.10: Format Abbreviations and Common Notes
Notes MM DD YY hh mm ss Multi-Currency Field Month (01-12) Day (01-31) Year (00-99) Hour (00-23) Minute (00-59) Second (00-59) Field may be present when the transaction involves more than one currency. Specifically, additional fields may be passed when the local (acquiring) currency, the switch settlement currency (US dollars), and the cardholder currency are not all the same. Description
February 2011
39
Pre-authorization Messages
0100/0101 Pre-authorization Request
Table 3.11: 0100/0101 Pre-authorization Request
Requirements Bit ISO Field Name Message Type Data Type N4 Trnsmit M Recv M
001
b64 b64
M C
002
LLV N19
Required if PAN is manually entered. If electronically captured, DE 035 or DE 045 must be present.
Processing Code Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time
M M C C
007
N10
008
Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing
N8
Unsupported
009
N8
Multi-Currency Field
010
N8
Multi-Currency Field
February 2011
40
N6 N4 N4
M M O
M M O
hhmmss MMDD
Signature debit if Track 1 or 2 data is not available. YYMM STAR business date. MMDD Multi-Currency Field. Return if available. MMDD
015
Date, Settlement
N4
016
Date, Conversion
N4
Date, Capture Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code
N4 N4 N3
O M C
O C C
MMDD
022
N3
023 025
N3 N2
O O
C O
Present if sent by another network. See the STAR ISO 8583 Gateway/Product Interface Guide.
026
N2
027
N1
February 2011
41
X + N8 X + N8 X + N8
O O O
O O O Unsupported Unsupported
032
LLV N11
033
LLV N11
Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.
035
Track 2
LLV NS37
If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.
037
Retrieval Reference Number Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location
AN12
040 041
AN3 AN8
O M
O M
Unsupported
042
ANS15
Required for STAR POS Acquirers. Sent, if available. Reg. E data required for STAR Acquirer Processors.
043
AN40
February 2011
42
Notes Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. If electronically captured, DE 035 or DE 045 will be present. See STAR ISO 8583 Gateway/Product Interface Guide.
047
Electronic Commerce Indicators & UCAF data. Reg. E Data required for all STAR Acquirer Processors. 840 = US
048
049
Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing PIN Data Additional Amounts
N3
050
N3
Multi-Currency Field
051
N3
Multi-Currency Field
052 054
C O
C O
057 058
Authorization Life National Point-Of-Service Condition Code National Point-Of-Service Geographic Data
M M
M M
059
LLLV AN017
Not required by the STAR network, but may be required by interfacing networks.
February 2011
43
063
STAR Data
Byte Map
Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirers.
Pseudo Term
AN6
AN3
AN3
O O C
M O C
Switch-filled Unsupported Used for Co-op Issuers (STAR NE Platform only). Unsupported
067 102
103 104
O C
O C
Required for POS Acquirer Processors. Also see Chapter 13 in this manual.
February 2011
44
Notes SE/W platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide.
113
LLLV N011
120
122
Sponsor Bank ID
SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
45
Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. MICR data sent only if available. For Issuers that elect to receive the ALL STAR Indicator Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
125
LLLV ANS56
127
LLLV ANS100
February 2011
46
002
LLV N19
003 004
N6 N12
M M
C C M
C C M
008
Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction
N8
Unsupported
009
N8
Multi-Currency Field
010
N8
Multi-Currency Field
011
N6
012
N6
February 2011
47
Notes Copied from the 010x message. MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. YYMM STAR business date. MMDD Multi-Currency Field Return if available. MMDD
014
Date, Expiration
N4
015
Date, Settlement
N4
016
Date, Conversion
N4
017 018
N4 N4
O O
O C
MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
019
Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code Amount, Transaction Fee
N3
022
N3
023 025
N3 N2
O O
C O
028
X + N8
February 2011
48
032
LLV N11
Copied from the 010x message. Echoed only if sent by the Acquirer. Required if received in 010x message. Copied from the 010x message. Required for participation in some links. If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error. Unsupported Copied from the 010x message. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
033
LLV N11
035
Track 2
LLV NS37
037
AN12
038
AN6
039
Response Code
AN2
040 041
Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location
AN3 AN8
O M
O M
042
ANS15
043
AN40
044
LLV AN25
045
LLV ANS76
February 2011
49
048
049
Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing Additional Amounts
N3
050
N3
051
N3
Multi-Currency Field
054
LLLV ANS120
Return if additional amounts are needed or balance returned. Required if received in the 0xxx message Reversal May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Not used by the STAR network, but may be required by interfacing networks. Required if in 010x message.
055
Additional Fees
057 058
O M
O M
059
LLLV AN017
061
063
STAR Data
February 2011
50
Trnsmit M
Recv M
Notes Required to indicate the presence of the subfields. Must be first subfield.
AN6 AN3
M O
M C
AN3
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Switch-filled Unsupported May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Unsupported
Processor ID
O O O
M O O
067 102
103 104
O O
O O
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Also see Chapter 13 in this manual.
105
LLLV ANS185
February 2011
51
114
120
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 9 in the STAR ISO 8583 Gateway/Product Interface Guide for additional information.
121
LLLV ANS999
February 2011
52
Notes STAR SE/W Platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. May be returned , if received in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response). Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages.
123
LLLV ANS255
125
LLLV ANS56
126
Issuer Trace ID
127
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
February 2011
53
001
b64 b64
M C
002
LLV N19
Required if PAN is manually entered or track data is unavailable. STAR Issuers will receive either DE 002 or DE 035
Processing Code Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time
M M C C
007
N10
008
Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing Systems Trace Audit Number
N8
Unsupported
009
N8
Multi-Currency Field
010
N8
Multi-Currency Field
011
N6
February 2011
54
Notes Copied from 01xx. hhmmss Copied from 01xx. MMDD May be present if key-entered. YYMM STAR business date. MMDD Multi-Currency Field MMDD Current Acquirer Processor date. MMDD May be present if transmitted in the 01xx.
013
N4
014
Date, Expiration
N4
015
Date, Settlement
N4
016
Date, Conversion
N4
017
Date, Capture
N4
018
Merchant Type
N4
019
N3
022
N3
Required for transactions from a point of sale device. May be used to send a card sequence (plastic) number if Track 2 (DE 035) is not sent. Unsupported
023
N3
025
N2
February 2011
55
X + N8 X + N8 X + N8
O O O
O O O Unsupported Unsupported
032
LLV N11
035
LLV NS37
STAR Acquirers should send if track data is electronically captured. STAR Issuers will receive either DE 002 or DE 035.
037
AN12
038
AN6
Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
Response Code Service Restriction Code Card Acceptor Term Identification Card Acceptor Identification Code
M O M
M O M Unsupported
042
ANS15
February 2011
56
045
Track 1
LLV ANS76
Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. See STAR ISO 8583 Gateway/Product Interface Guide.
047
Electronic Commerce Indicators & UCAF data. Reg. E data, required for all STAR POS Acquirer Processors Card-Issuer Processors may or may not receive this data.
048
049
Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing Additional Amounts
N3
050
N3
Multi-Currency Field
051
N3
Multi-Currency Field
054
LLLV ANS120
Sent if transaction related amounts are present. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
057
LLLV N003
February 2011
57
059
LLLV AN017
060
Byte Map
Advice Reason
C O
C O Will be echoed in response but will not be forwarded to the Card-Issuer Processor.
061
063
STAR Data
Byte Map
Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirer Processors.
Pseudo Term
AN6
AN3
AN3
O O O
M O O
067 102
103
Account Identification 2
LLV ANS28
February 2011
58
Notes Required for POS Acquirer Processors. Also see Chapter 13 in this manual. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway / Product Interface Guide.
111
LLLV AN255
113
LLLV N011
120
LLLV AN006
Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
122
Sponsor Bank ID
LLLV AN011
SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. See STAR ISO 8583 Gateway/Product Interface Guide.
123
AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Network Management Information/Tagged Issuer Data
LLLV ANS255
See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide. For Issuers that elect to receive the ALL STAR Indicator.
125
LLLV ANS56
February 2011
59
Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
60
009
Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction
N8
Multi-Currency Field
011
N6
012
N6
Copied from the 012x. hhmmss Copied from the 012x. MMDD STAR business date. MMDD
013
N4
015
Date, Settlement
N4
028
Amount, Transaction Fee Amount, Settlement Fee Retrieval Reference Number Response Code
X+N8
Required if received in the 012x. Multi-Currency Field Copied from the 012x.
029 037
X+N8 AN12
C M
C M
039
AN2
February 2011
61
049
N3
050
N3
Multi-Currency Field
055
061
063
STAR Data
Byte Map
Pseudo Term
AN6
February 2011
62
001
b64 b64
M C
002
LLV N19
Required if PAN is manually entered. If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.
003 004
N6 N12
M M
M M All zeros when Processing Code (DE 003) = 39xx00 or 91xx00. Multi-Currency Field Multi-Currency Field
C C M
C C M
008
N8
Unsupported
009
N8
Multi-Currency Field
February 2011
63
011
N6
N6 N4 N4
M M O
M M O
hhmmss MMDD
May be present if key-entered. YYMM STAR business date. MMDD Multi-Currency Field MMDD Current Acquirer Processor date. MMDD
015
Date, Settlement
N4
016
Date, Conversion
N4
017
Date, Capture
N4
018 019
Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number
N4 N3
M C
022
N3
023
N3
May be used to send a card sequence (plastic) number if Track 2 (DE 035) is not sent.
February 2011
64
Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
026
Point-Of-Service PIN Capture Code Authorization Identification Response Length Amount, Transaction Fee
N2
027
N1
028
X + N8
Mandatory for Acquirer Processors collecting a Convenience fee or providing a customer rebate. Unsupported Unsupported Unsupported
Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID
X + N8 X + N8 X + N8
O O O
O O O
032
LLV N11
033
LLV N11
Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.
035
Track 2 Data
LLV NS37
If electronically captured, DE 035 (or DE 045 from non-STAR Acquirers) must be present.
February 2011
65
040 041
AN3 AN8
O M
O M
Unsupported
042
ANS15
043 045
M C
Present if sent by another network. May optionally be passed to signature debit issuers. STAR acquirers should not send this data. If electronically captured, DE 035 or DE 045 will be present. See STAR ISO 8583 Gateway/Product Interface Guide.
048
Merchant/Bank Name
LLLV ANS025
Reg. E Data, required for all STAR Acquirer Processors. Card-Issuer Processors may or may not receive this data.
049
Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing PIN Data
N3
050
N3
Multi-Currency Field
051
N3
Multi-Currency Field
052
b64
February 2011
66
055
Additional Fees
LLLV ANS088
Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
058
National Point-Of-Service Condition Code National Point-Of-Service Geographic Data Acquirer Transport Data
LLLV N010
059
LLLV AN017
061
LLLV ANS100
Will be echoed in response but will not be forwarded to the Card-Issuer Processor.
063
STAR Data
Byte Map
Required to indicate the presence of the subfields. Must be first subfield. Mandatory for STAR Acquirer Processors. Assigned by STAR staff.
Pseudo Term
AN6
AN3
AN3
February 2011
67
Trnsmit O O C
Recv M O C
Notes Switch-filled Unsupported See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Used for Co-op Issuers (STAR NE Platform only). Required for POS Acquirer Processors. Also see Chapter 14 in this manual. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. In Account Balance Profile (39xx00) transactions, required for Co-op processors only. Value = E if Issuer and ATM support Enhanced Balance feature Also see Chapter 14 in this manual. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
067 098
O O C
O O C
105
LLLV ANS255
February 2011
68
Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
120
Account Qualifiers
LLLV AN006
Details are available in the STAR ISO 8583 Gateway/Product Interface Guide. For Statement Data (91xx 00) transactions, nn = 32. See Chapter 15 in this manual for details.
121
LLLV ANSnn
122
Sponsor Bank ID
LLLV AN011
SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
69
Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. Only present if required by or transmitted from another network. MICR data sent only if available
125
LLLV ANS56
127
LLLV ANS100
Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway /Product Interface Guide.
February 2011
70
002
LLV N19
003 004
N6 N12
M M
C C M
C C M
008
Amount, Cardholder Billing Fee Conversion Rate, Settlement Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction
N8
Unsupported
009
N8
Multi-Currency Field
010
N8
Multi-Currency Field
011
N6
012
N6
February 2011
71
014 015
N4 N4
O M
O M
YYMM
STAR business date. MMDD Multi-Currency Field Returned if available. MMDD May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. MMDD
016
Date, Conversion
N4
017
Date, Capture
N4
018 019
Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee
N4 N3
O O
C C
022
N3
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
023 025
N3 N2
O O
C O
028
X + N8
029 030
X + N8 X + N8
O O
C O
February 2011
72
032
LLV N11
Copied from the 020x message. Echoed only if sent by the Acquirer. Required if received in 020x message. Copied from the 020x message.
033
LLV N11
035
Track 2 Data
LLV NS37
037
AN12
038
AN6
Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
039
Response Code
AN2
If the response code is 30, then Additional Response Data (DE 044) contains the data element number in error. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Copied from the 020x message. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
040
AN3
041
Card Acceptor Term Identification Card Acceptor Identification Code Card Acceptor Location
AN8
042
ANS15
043
AN40
February 2011
73
045
LLV ANS76
Required if received in 0200 message. C May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Copied from the 020x message. Multi-Currency Field
048
Merchant/Bank Name
LLLV ANS025
049
N3
050
N3
054
Required if in 020x message. Required if received in the 0xxx message Copied from the 020x message.
055
Additional Fees
058
National Point-Of-Service Condition Code National Point-Of-Service Geographic Data Acquirer Transport
059
LLLV AN017
061
LLLV ANS100
February 2011
74
Byte Map
Pseudo Term Issuer Network Identification Acquirer Network ID: Transaction Identification
AN6 AN3
M C
M C
AN3
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Switch-filled Unsupported See Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
Processor ID
AN6 N2 AN25
O O C
M O C
067 098
O O O
O O O
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal. Also see Chapter 14 in this manual. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
75
Notes For Account Balance Profile (39xx00) transactions, required on transmit, optional on receive. Provides enhanced balance amounts, text, and other information. For Receiver/Send Data, also see Chapter 13 in this manual and Chapter 12 in the STAR ISO 8583 Gateway/ Product Interface Guide.
111
Additional Data, Private Acquirer Card Issuer Identification Code Authorizating Agent Country Code Account Qualifiers
LLLV AN255 LLLV AN011 LLLV AN003 LLLV AN006 LLLV ANSnnn
113
114
120
121
For Statement Data (91xx00) transactions, nnn varies. See Chapter 15 in this manual for detailed information.
122
Sponsor Bank ID
LLLV AN011
STAR SE/W platforms only. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
February 2011
76
Notes See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. Only present if required by or transmitted from another network. May be returned , if received in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response). Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages.
125
LLLV ANS56
126
Issuer Tracer ID
LLLV ANS100
May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
127
Acquirer Trace ID
LLLV ANS100
Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
77
001
b64 b64
M C
002
LLV N19
STAR acquirer processors must send DE 002 in all completion advices. STAR issuer processors will receive DE 002 in all completion advices (although STAR switch stand-in advice messages may carry DE 035 instead).
003
Processing Code
N6
STAR acquirers should copy from the 0110. DE 003 may not match that of the 0110 for other acquiring networks
Amount, Transaction Amount, Settlement Amount, Cardholder Billing Transmission Date & Time
M C C
007
N10
February 2011
78
009
N8
Multi-Currency Field
010
N8
Multi-Currency Field
011
N6
012
N6
Copied from 01xx, 02xx. hhmmss Copied from 01xx, 02xx. MMDD
013
N4
014 015
N4 N4
C M
C M
YYMM
016
Date, Conversion
N4
Date, Capture Merchant Type Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number
N4 N4 N3
O M C
C C C
MMDD
022
N3
Required for transactions from a POS device. May be used to send a card sequence (plastic) number if Track 2 (DE 035) data present.
023
N3
February 2011
79
Notes Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
028
X + N8
Required for Acquirer Processors collecting a Convenience fee or providing a customer rebate. Multi-Currency Field Unsupported Unsupported
Amount, Settlement Fee Amount, Processing Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID
X + N8 X + N8 X + N8
C O O
C O O
032
LLV N11
033
LLV N11
Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.
035
Track 2 Data
LLV NS37
STAR issuer processors will not receive DE 035 in completion advices (although STAR switch stand-in advice messages may carry it). M Must be copied from 01xx / 02xx. Must be copied from 0110 / 0210 if available.
037
AN12
038
AN6
039
AN2
February 2011
80
042
ANS15
043 045
M C
047
LLLV ANS..100
048
Merchant/Bank Name
LLLV ANS025
Reg. E Data, required for all STAR ATM and POS Acquirer Processors. Sent to Card-Issuer Processors if available (as non-STAR networks may not send).
049
Currency Code, Transaction Currency Code, Settlement Currency Code, Cardholder Billing
N3
050
N3
Multi-Currency Field
051
N3
Multi-Currency Field
February 2011
81
055
Additional Fees
LLLV ANS088
Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
058
LLLV N010
059
LLLV AN017
Acquirers may need to send if they participate in a network that requires it.
060
Byte Map
O M O
O M O Will be echoed in response, but will not be forwarded to the Card-Issuer Processor.
061
February 2011
82
Byte Map
AN6 AN3
M C
M C Recommended that Acquirer should send from what was received in the 0110 or 0210.
AN3
AN6 N2 AN25
O O C
M O C
Switch-filled Unsupported Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Copied from 0110.
067 098
C C C
O O C
Required if present in the 010x or 020x. Also see Chapter 13 in this manual. For POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/ Product Interface Guide.
February 2011
83
111
LLLV AN255
May be returned, if received in the request, and if the Card-Issuer Processor desires to have this field returned in a reversal. See Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide. Only present if required by or transmitted from another network. Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
113
LLLV N011
120
Account Qualifiers
LLLV AN006
Details are available in the STAR ISO 8583 Gateway/Product Interface Guide.
February 2011
84
Notes SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide. See Chapter 6 in the STAR ISO 8583 Gateway/Product Interface Guide for detailed information. MICR data sent only if available. For isuers that elect to receive the ALL STAR Indicator. Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages. Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
123
LLLV ANS255
125
LLLV ANS56
127
Acquirer Trace ID
LLLV ANS100
February 2011
85
M C M
M C M Multi-Currency Field
009
Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction
N8
011
N6
012
N6
Copied from the 022x message. hhmmss Copied from the 022x message. MMDD STAR business date. MMDD
013
N4
015
Date, Settlement
N4
028
X + N8
029
X + N8
February 2011
86
039
AN2
044
LLV AN25
049
N3
050
N3
055
061
Acquirer Transport
063
STAR Data
Byte Map
Required to indicate the presence of the subfields. Must be first subfield. Required if present in 022x.
Pseudo Term
AN6
February 2011
87
007
N10
011
N6
023
N3
Used if plastic numbers are supported by the Card-Issuer Processor. Indicates the response code used by the switch when a transaction is to be denied. Presented on adds and updates only. Four (4) digit switch internal code. Presented on adds and updates only. See Chapter 5, STAR ISO 8583 Gateway/Product Interface Guide for further information.
039
Response Code
AN2
061
LLLV ANS100
062
LLLV ANS100
February 2011
88
Table 3.19: 0300 Acquirer File Update Request (Negative File) SE/W Platforms (cont.)
Requirements Bit 091 ISO Field Name File Update Code Data Type AN1 Trnsmit M Recv M
096
AN8
101
File Name
LLV ANS17
February 2011
89
002
LLV N19
007
N10
011
N6
014 023
N4 N3
O C
O C
039 044
C O
C O
062
LLLV ANS100
See Chapter 5, STAR ISO 8583 Gateway/Product Interface Guide for further information.
M M M
M M M Always PI-NEGATIVE.
February 2011
90
007
N10
011
N6
023
N3
039
Response Code
AN2
Indicates the result of the file update request. Valid Value = '00'.
091
AN1
February 2011
91
002
LLV N19
007
N10
011
N6
Copied from the 0302 message. YYMM Present if the field was in the 0302 message. Must be a value of 0. STAR SE/W Platform only: In response to the Card-Issuer Processors 0302 inquiry, STAR will return the status code for the PAN in the negative file. Required if present in 0302 message. Copied from the 0302 message.
014 023
N4 N3
O C
O C
039 044
M C
M C
062
091
February 2011
92
007
N10
MMDDhhmmss
011
N6
023
N3
039
Response Code
AN2
Presented on Adds, Updates and Deletes. New denial code T6 indicates when CV Threshold has been reached.
091
AN1
M M PI-NEGATIVE
February 2011
93
007
N10
MMDDhhmmss
011
N6
039 091
AN2 AN1
M M
007
N10
011
N6
023
N3
February 2011
94
124
February 2011
95
007
N10
011
N6
124
February 2011
96
007
N10
MMDDhhmmss
011
N6
023 091
N3 AN1
C M
096
AN8
Copied from the 0382 message. OFFSET FILE STAR SE/W Platform only:
101
File Name
LLV ANS17
Values:
113
LLLV AN011
February 2011
97
Cardholder file maintenance data. This data element contains CH01A or CH02A record maintenance data (starting at the PAN field). Use upper-case for all alphabetic values. When DE091 File Update Code = 2 (update), the following rules apply:
Blank spaces = Existing data does not change Asterisks = Existing data is blanked out (for alpha and alpha-numeric fields only). Zeros = Values are set to zeros. Other characters or text = Existing data is replaced with the new data.
February 2011
98
007
N10
MMDDhhmmss
011
N6
023 039
N3 AN2
C M
00 = Update successful 25 = Not found (update/delete only) 26 = Already on file (add only) 29 = Update not successful
091
AN1
096 101
113
LLLV AN011
February 2011
99
February 2011
100
011
N6
091 096
AN1 AN8
M M
M M
101 113
File Name Card Issuer Identification Code Additional Data, Private Acq
M M
M M
124
011
N6
039
AN2
February 2011
101
101
File Name
LLV ANS17
113
124
February 2011
102
007
N10
011
N6
023
N3
Used if plastic numbers are supported by the Card-Issuer Processor. 2 = Change PIN CHANGE
File Update Code File Name Card Issuer Identification Code Additional Data, Private Acq
M M M
124
February 2011
103
011
N6
Copied from 0384 message. Required if present in 0384 message. Must be 00 Copied from 0384 message. Copied from 0384 message. Copied from 0384 message.
023
N3
039 091
AN2 AN1
M M
101
File Name
LLV ANS17
113
LLLV AN011
February 2011
104
Reversal Messages
0420/0421 Acquirer Reversal Advice
Table 3.33: 0420/0421 Acquirer Reversal Advice
Requirements Bit ISO Field Names Message Type Data Type N4 Trnsmit M Recv M
Notes 0420 for initial transaction. 0421 for repeat (STAR SE/W Platform only).
001
b64 b64
M C
002
LLV N19
STAR acquirer processors must send DE 002 in all reversal advices. STAR issuer processors will receive DE 002 in all reversal advices (although STAR switch stand-in advice messages may carry DE 035 instead).
003
Processing Code
N6
STAR acquirers should copy from the 0110 or 0210. DE 003 may not match that of the 0110 or 0210 for other acquiring networks. Copied from 02xx or 01xx. Required if present in 02xx or 01xx request message.
004
Amount, Transaction
N12
005
Amount, Settlement
N12
February 2011
105
007
N10
008
N8
Unsupported
009
N8
010
Conversion Rate, Cardholder Billing System Trace Audit Number Time, Local Transaction
N8
011
N6
012
N6
Copied from 02xx or 01xx. hhmmss Copied from 02xx or 01xx. MMDD Required if present in 02xx. YYMM STAR business date. MMDD Multi-Currency Field MMDD
013
N4
014
Date, Expiration
N4
015
Date, Settlement
N4
016
Date, Conversion
N4
017
Date, Capture
N4
February 2011
106
019
Acquiring Institution Country Code Point-Of-Service Entry Mode Card Sequence Number Point-Of-Service Condition Code
N3
022
N3
023 025
N3 N2
O O
O O
Required to be returned in a reversal if received on a response message. Is not sent to the Issuer in reversals unless the Acquirer supplied it, or for late or unsolicited responses, unless the Issuer included this data element in their response.
028
Amount, Transaction Fee Amount, Settlement Fee Amount, Processing Fee Amount, Settlement Processing Fee Acquiring Institution Identification Code Sponsor ID
X + N8
X + N8 X + N8 X + N8
C O O
C O O Unsupported Unsupported
032
LLV N11
033
LLV N11
Required in ATM transactions if terminal is sponsored by a STAR financial institution. Applicable only on Acquirer side.
035
Track 2 Data
LLV NS37
STAR issuer processors will not receive DE 035 in reversal advices (although STAR switch stand-in advice messages may carry it).
February 2011
107
038
AN6
039
Response Code
AN2
040 041
Service Restriction Code Card Acceptor/Merchant Terminal ID Card Acceptor/Merchant ID Code Card Acceptor/Merchant Name & Location
AN3 AN8
O M
O M
042
ANS15
043
AN40
045
Track 1
LLV ANS76
047
048
Merchant/Bank Name
Acquirers should send if available. Issuers may or may not receive. Sent to Card-Issuer Processors if available (as non-STAR networks may not send).
February 2011
108
050
N3
051
N3
054
LLLV ANS120
055
Additional Fees
LLLV ANS088
Only present if required by or transmitted from another network. Details are available the STAR ISO 8583 Gateway/Product Interface Guide.
056
LLLV ANS088
Present for over- or under-dispense reversals that contain a MasterCard Currency Conversion Assessment (CCA) fee. Required if in 01xx. Copied from 010x or 020x.
057 058
Authorization Life Cycle National Point-Of-Service Condition Code National Point-Of-Service Geographic Data
C M
C M
059
LLLV AN017
Acquirers may need to send if they participate in a network that requires it.
February 2011
109
Byte Map
Required to indicate the presence of the subfields. See Chapter 12 of this guide for additional information. Will be echoed in response but will not be forwarded to the Card-Issuer Processor.
M C O
M C O
061
063
STAR Data
Byte Map
AN6 AN3
M C
M C Recommended that Acquirers send what was received in the 0210 or 0110 message.
AN3
AN6
Required from 02xx or 01xx. Unsupported Original message type required. Required if partial or over dispense occurs. Amount should reflect the actual amount dispensed.
067 090
N2 N42
O M
O M
095
Replacement Amounts
AN42
February 2011
110
C C C
C C C
Must be sent if contained in the 0110 and 0210. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide. Also see Chapter 14 in this manual. For MasterCard POS Payment information, see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
105
LLLV ANS255
111
LLLV AN255
Also see Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide. Copied from 0210 or 0110.
113
120
February 2011
111
Notes SE/W platforms only. If sent by another network, this field is optionally available to STAR Issuers. STAR Acquirers should not send in this field for ATM transactions. See Chapter 2 in the STAR ISO 8583 Gateway/Product Interface Guide.
123
AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits Network Management Information/Tagged Issuer Data
LLLV ANS255
Also see Chapter 8 in the STAR ISO 8583 Gateway/Product Interface Guide.
125
LLLV ANS56
For isuers that elect to receive the ALL STAR Indicator. Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal messages. Only present if required by or transmitted from another network. Also see Chapter 12 in the STAR ISO 8583 Gateway/Product Interface Guide.
127
Acquirer Trace ID
LLLV ANS100
February 2011
112
009
Conversion Rate, Settlement System Trace Audit Number Time, Local Transaction
N8
Multi-Currency Field
011
N6
012
N6
Copied from the 042x message. hhmmss Copied from the 042x message. MMDD
013
N4
015 028
N4 X + N8
M C
M C
MMDD Required if received in the 042x message and amount transaction fee is present. Multi-Currency Field Copied from the 042x message.
029 037
X + N8 AN12
C M
C M
February 2011
113
044
LLV AN25
049
N3
050
N3
055
061
063
STAR Data
Byte Map
Pseudo Term
M M C O
M M C O
Original Data Elements Replacement Amounts AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits
February 2011
114
Administrative Messages
0620 Administrative Advice
Table 3.35: 0620 Administrative Advice
Requirements Bit 001 007 ISO Field Name Message Type Bit Map, Primary Bit Map, Secondary Transmission Date & Time Data Type N4 b64 b64 N10 Trnsmit M M M M Recv M M M M
011 070
System Trace Audit # Network Management Information Code Additional Data, Private
N6 N3
M M
M M Always 900.
124
LLLV ANS255
February 2011
115
011 070
System Trace Audit # Network Management Information Code Message Security Code Network Management Information
N6 N3
M M
M M
096 125
AN LLLV ANS050
M C
February 2011
116
011
System Trace Audit Number Response Code Network Management Information Code
N6
039 070
AN2 N3
M M
February 2011
Chapter 4
117
Byte maps will always be in hexadecimal format. Variable fields may be variable in length. Host must be capable of parsing variable-length subfields to determine length of field.
Options available to Processors using the STAR ISO 8583 message format: Table 4.1: STAR ISO 8583 Processor Options Message Data Alphanumeric Fields Primary (DE 001-064) and Secondary (DE 065-128) Bit Maps Numeric Fields Description Usage of ASCII or EBCDIC format 16-byte hexadecimal format or 8-byte binary
Packed or unpacked
008 Amount Cardholder Billing Fee 021 Forwarding Institution Country Code 027 Authorization Identification Response Length 031 Amount, Settlement Processing Fee 036 Track 3 Data 046 Additional Data ISO
020 PAN Extended Country Code 024 Network International Identifier 030 Amount, Transaction Processing Fee 034 Primary Account Number (PAN), Extended 040 Service Restriction Code 053 Security Related Control Information
064 Message Authentication Code 065 Bit Map Extended (MAC) 066 Settlement Code 068 Receiving Institution Country Code
February 2011
118
071 Message Number 073 Date, Action 075 Credits, Reversal Number 077 Debits, Reversal Number 079 Transfer, Reversal Number 081 Authorization, Number 083 Credits, Transaction Fee Amount 085 Debits, Transaction Fee Amount 087 Credits, Reversal Amount 089 Debits, Reversal Amount 093 Response Indicator 097 Amount Net Settlement 106 Large Private Data 2 108 Large Private Data 4 110 Reserved For ISO Use 115 Reserved For National Use 117 Reserved For National Use 119 Reserved For National Use
072 Message Number 074 Credits, Number 076 Debits, Number 078 Transfer Number 080 Inquiry Number 082 Credits, Processing Fee Amount 084 Debits, Processing Fee Amount 086 Credits, Amount 088 Debits, Amount 092 File Security Code 094 Service Indicator 099 Settlement Institution ID Code 107 Large Private Data 3 109 Reserved For ISO Use 112 Reserved For National Use 116 Reserved For National Use 118 Reserved For National Use 128 Message Authentication Code
February 2011
119
Data Elements
Message Type
STAR Element Format Definition Processing Rules NP-4 A four-digit identifier of the type of message.
This data element is required. Message Type identifier must be present as the first field of any message.
Processing Rules
This data element is required. Primary Bit Map must be present following the Message Type field of any message. Must include minimum bit map required by STAR Switch, depending upon the message type.
Processing Rules
This data element is conditional on the presence of one or more data elements in the range 065-128. Must include minimum bit map required by STARSwitch, depending upon the message type.
February 2011
120
LLV NP-19 A series of digits to identify a customer account or relationship. Disposition Condition
010x,012x,020x
Conditional
Required if PAN is manually entered or Track 2 data is unavailable. Otherwise, optional. Will be returned in response if sent in request. DE002 must be passed.
0110, 0210
Conditional
Required Required
Issuer
Conditional
Will be present if PAN is manually entered or if Track Data is unavailable. Must be returned in response if received in request. STAR issuer processors will receive DE 002 in all completion advices (although STAR switch stand-in messages may carry DE 035 instead). STAR issuer processors will receive DE 002 in all reversal advices (although STAR switch stand-in messages may carry DE 035 instead).
0110, 0210
Conditional
022x
Conditional
042x
Conditional
Processing Rules
Required if Point of Service Entry Mode (DE 022) indicates that the PAN was manually entered.
February 2011
121
Format
Disposition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
Processing Rules
STAR ATM/POS Card-Issuer Processors must respond to mandatory processing codes. STAR Acquirer Processors must send processing code 000000 for quasi-cash. See Chapter 10: Data Element 054: Additional Amounts for quasi-cash transaction requirements for DE 054. 00 01 00 = Goods and Services (Debit) Withdrawal / Cash Advance (Debit) Quasi-Cash (Debit) / Issuer Only Cashed Check Return / Correction (Credit) Deposits (Credit) Available Funds Inquiry PINd Account Inquiry (STAR NE platform) PIN-less Account Verification Account List Inquiry (STAR NE platform only)
Position 1-2
11 17 20 21 30 31
33 35
February 2011
122
40 50
54 55
56 56 58
59
70 72 91
Positions 3-4/5-6:
00 09 10 20 30
Please see Chapter 7: Data Element 003: Processing Codes in this manual for processing codes of specific transactions.
February 2011
123
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430x
Required
Processing Rules
For a transaction performed in US dollars, this field represents the amount that will be settled by STAR. For a transaction performed in a currency other than US dollars, this field represents the transaction amount in the acquirers currency. (DE005 will carry the transaction amount in US currency.) For prepaid card transactions:
Activate transactions will contain an amount of $0. Load transactions will contain the amount (in local currency) of the value to be loaded to the card.
February 2011
124
For partial amount responses using new methodology message types 0110 and 0210 (STAR SE/W Platforms only):
If the request message contains DE 004, but not DE 005 or DE 006, then issuers should change the amount in DE 004 in the response message to reflect the partial approval amount. If the request message contains DE 005 and/or DE 006, the issuer should return DE 004 with the same amount that is carried in the 0100 or 0200 request message. If a STAR (U.S. based) POS acquirer sends DE 063.7 to indicate an ability to handle a partial amount approval, then the partial approval amount will be returned in DE 004.
For the 0420 1F Reversal Advices that an issuer will receive for transactions involving a MasterCard CCA fee, DE 004 will reflect the adjusted local transaction amount. The DE 004 amount is for informational use only. Partial reversals of a partial approval amount transaction are not permitted. Acquirers may only send full reversals of partial approvals. Surcharges or rebates are not included as part of this amount. The new methodology for partial authorization responses is not supported on the STAR NE platform.
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Conditional
February 2011
125
For a transaction performed in a currency other than US dollars, this field represents the amount that will be settled by STAR Internationally-acquired transactions for the MasterCard networks (Cirrus, Maestro, debit MasterCard) will have the Currency Conversion Assessment (CCA) fee bundled into the transaction amount. This fee is optionally available separately in STAR Data Elements 055 and 056. For prepaid card transactions:
Activate transactions will contain an amount of $0. Load transactions, will contain the amount (in settlement currency) of the value to be loaded to the card. PIN change transactions, will contain an amount of $0.
For partial amount responses using new methodology messages types 0110 and 0210 (STAR SE/W Platforms only):
If the request message contains DE 004 and DE 005 (but not DE 006), then the issuer should change the amount in DE 005 in the response message to reflect the partial approval amount. If the request message contains DE 006, the issuer should return DE 005 with the same amount that it carried in the 0100 or 0200 request message.
For the 0420 1F Reversal Advices that an issuer will receive for transactions involving MasterCard CCA fees, DE 005 will reflect the same value the issuer returned in the response message. DE 005 is for informational use only. Issuer Note: The posting of this transaction should be done from the replacement amount in DE 095. The new methodology for partial authorization respnoses is not supported on the STAR NE Platform.
February 2011
126
NP-12 Amount billed to the cardholder in the currency of the cardholder account, generally exclusive of all fees. Disposition Condition
Conditional
Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.
Conditional Optional
Acquirer
Conditional
May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.
Optional
Processing Rules
STAR software does not perform currency conversion. DE 006 is generally suppressed (not sent) on requests if it is equal to the amount in DE 005 (Amount, Settlement). For prepaid transactions:
Activate transactions, will contain an amount of $0. Load transactions, will contain the amount (in the cardholder's currency) of the value to be loaded to the card.
For partial amount responses using new methodology (messages types 0110 and 0210):
If the request message contains DE 004, DE 005, and DE 006, then issuer should change the amount in DE 006 in the response message to reflect the partial approval amount.
February 2011
127
Internationally-acquired transactions for the MasterCard networks (Cirrus, Maestro, debit MasterCard) will have the MasterCard Currency Conversion Assessment (CCA) fee bundled into the Cardholder Billing amount as a default option (thus making DE 006 equal to DE 005). The associated conversion rate in DE 010 is adjusted accordingly.
STAR SE/W Issuer processors have the option to request that DE 006 be sent without the bundled CCA fee (in which case DE 010 will also properly reflect the associated conversion rate). The CCA fee is also optionally available separately in STAR Data Elements 055 and 056.
STAR Network issuers on the SE/W Platform have the option of receiving DE 006 for MasterCard acquired transactions that contain CCA. If this option is chosen, DE 006 will reflect the transaction amount without the CCA amount. Note: DE 006 is not passed if its value equals the value in DE 005.
For partial amount responses in 0210 message types: If the request message contains DE 004, DE 005, and DE 006, then issuers should change the amount in DE 006 in the response message to reflect the partial approval amount. For transactions involving MasterCard CCA, the revised amount in DE 006 in the response, as in the request, will not include any CCA amount. Issuers must take this into consideration with determining the amount.
For the 0420 1F Reversal Advice that an issuer will receive for transactions involving MasterCard CCA fees, DE 006 will reflect the same value the issuer returned in the response message. Issuer Note: The posting of this transaction should be done from either the replacement settlement amount in DE 095 or the equivalent amount obtained by summing DE 006 and the replacement CCA fee in DE 056.
Platform Distinction
February 2011
128
Processing Rules
Format
a is the decimal position from the right B is the actual conversion factor Disposition Condition
Conditional
Required if terminal is located outside of the U.S. (i.e., value is other than '840').
Issuer
Conditional
Will be sent to U.S. Issuers when value is other than '840'. Should be returned if received. Will be sent in acquirer-generated reversals if received from acquirer. Will be send in switch-generated reversals if received in the response from the issuer.
Conditional Conditional
Processing Rules
None.
February 2011
129
a is the decimal position from the right B is the actual conversion factor Disposition Condition
Conditional
Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.
Conditional Optional
Acquirer
Conditional
May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.
Optional
Processing Rules
DE 010 is passed in requests when DE 006 (Amount, Cardholder Billing) is present. Otherwise it is generally not passed. On the STAR NE Platform, this field is not provided in the online message.
Platform Distinction
February 2011
130
Processing Rules
The System Trace Audit Number is assigned by the STAR processor and must be unique for every request, original submission and resubmission sent to the STAR Switch.
NP-6 The local time at which the transaction takes place at the point of card/check acceptor location. Format Disposition Condition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
Processing Rules
Must remain unchanged throughout the Life of the Transaction. Non-STAR acquirers may not echo the local transaction time throughout the Life of the Transaction. Returns, refunds, and similar transactions are considered new transactions. They are not considered part of the original purchase, bill payment, or similar transactions. This data element should reflect the local time that the return, refund, or similar transaction is being initiated.
Platform Distinction
February 2011
131
NP-4 The local month and day on which the transaction takes place at the card/check acceptor location. Format Disposition Condition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
Processing Rules
On Merchant original or resubmission transactions, this date is the date used to compare if the resubmission is in the 12-day compliance window. Must remain unchanged throughout the Life of the Transaction. Non-STAR acquirers may not echo the local transaction time through out the Life of the Transaction. Returns, refunds, and similar transactions are considered new transactions. They are not considered part of the original purchase, bill payment, or similar transactions. This data element should reflect the local date that the return, refund, or similar transaction is being initiated.
February 2011
132
NP-4 The year and month after which the card expires. Disposition Condition
Optional
May be sent if PAN is manually entered and the data is readily available (embossed on card face). May be sent if the Card-Issuer Processor wants to receive this element in the reversal for late or unsolicited response. In a 0302 message, this is the record delete date placed on the negative file.
0110, 0210
Optional
302
Optional
Processing Rules
February 2011
133
STAR CHEK Direct: This is the settlement date of the message initiator. Disposition Condition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
On inbound requests:
On inbound responses:
On outbound requests/responses:
Processing Rules
Conditional
May be present for non-US-acquired transactions if the transaction and settlement currencies are not the same. Should be returned if received.
Conditional Optional
February 2011
134
Conditional
Processing Rules
Valid date (MMDD). Required if a conversion rate is present. STAR software does not perform currency conversion.
Platform Distinction
NP-4 The month and day the transaction is processed by the Acquirer Processor. This is the Acquirer Processor's calendar day. Disposition Condition
Optional
Processing Rules
If the difference between the current STAR Switch date and current local date exceeds 12 calendar days, the STAR Switch will reject the transaction with response code 80 (stale dated transaction).
February 2011
135
NP-4 The classification of the merchants type of business product or service. Disposition Condition
Required
Optional Conditional
Issuer
Conditional
Optional
Required if Card-Issuer Processor wants to receive this element in reversals generated by the STAR Network for late responses.
Processing Rules
If an Acquirer Processor blank-fills this field, the STAR Switch will fill this field with zeros. See Chapter 8: Data Element 018: Merchant Type
February 2011
136
NP-3 The code of the country where the acquiring institution is located (see ISO 3166). Disposition Condition
Conditional
Issuer
Conditional
Conditional
Required if Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited response.
Processing Rules
None
Conditional
A point-of-service (POS) device. An ATM acquirer dispensing alternate media. An ATM acquirer participating in a CVV program. A chip-related ATM transaction.
February 2011
137
022x 042x
Required Conditional
Required if included in the original request. Recommended, even if not included in the original request.
Issuer
Required Conditional
Will be passed. Will be passed if available. Required if the Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited response.
022x
Conditional
Required
STAR NE Platform: Value will reflect that sent by Acquirer. STAR SE-W Platform: Positions one and two will be sent with a value of 00, indicating unspecified mode of entry. May be present for switch-generated reversal advices due to edit errors found in the issuers response message. STAR NE Platform: Will be passed if available. Value will reflect that sent by Acquirer. STAR SE-W Platform: For pre-authorized completions: Positions one and two will be sent with a value of 00, indicating unspecified mode of entry 00 01 02 03 Unspecified Manual Magnetic Stripe Bar Code
042x
Conditional
Values
Position 1-2
February 2011
138
Contactless chip transaction originated using chip data rules as defined by EMV* (available in Europe). STAR NE Platform only: An Issuer option must be turned on so that the Issuer can receive these values. If not, Issuer receives a 02 (magnetic stripe).
08-60 61-78 79
Reserved for ISO use Reserved for national use Chip card or chip-capable terminal was unable to process the transaction using the data on the chip or magnetic stripe, the PAN was entered manually, or the Acquirer is not certified to process the value 80. Chip card or chip-capable terminal was unable to process the transaction using the data on the chip; the PAN was entered via magnetic stripe. The full track data was read from the data encoded on the card and transmitted within the authorization request on Track 2 Data (DE 035) or Track 1 Data (DE 045) without alteration or truncation. PAN manual entry via Electronic commerce Reserved for private use
80
81
82-89
February 2011
139
Contactless chip transaction originated using magnetic stripe data rules. STAR NE Platform only: An Issuer option must be turned on so that the Issuer can receive these values. If not, the Issuer receives a 02 (magnetic stripe).
92-94 95
Reserved for private use Integrated circuit card, CVV data may be unreliable Reserved for private use Unspecified PIN entry capability No PIN entry capability PIN pad inoperative Terminal has PIN entry capability but PIN pad is out of service PIN verified by terminal device
96-99 Position 3 0 1 2 6 8
9 Processing Rules
For pre-authorized completions and reversals being sent by acquirers, positions one and two for DE022 may be sent with a value of 00 indicating an unspecified mode of entry. For stand-in advices sent to Issuers, DE022 value will reflect that sent by the acquirer. For additional information on how DE022 may be populated for transactions involving other networks, see the STAR ISO 8583 Gateway/Product Interface Guide. If Issuer supports receiving extended POS Entry Mode values, DE 022 will be populated with a value of 07 or 91 as received from Visa.
February 2011
140
For reversals and pre-authorized completion transactions that do not contain track data fields, the STAR SE-W platform populates the PAN entry mode with 00 and the STAR NE platform populates it in the manner in which it was populated by the acquirer. The STAR SE/W Switch will not perform Stand-in, nor can a merchant/POS processor perform Stand-in, if:
Disposition
Condition
Optional
Optional
Required if Card-Issuer Processor wants to receive this element in a reversal for late or unsolicited. Required if a Card-Issuer Processor elects to have the STAR Switch validate the card sequence number during Store & Forward processing. Required if present in the 0302 and 0322 messages. If available in response.
0302
Conditional
0312, 0332
Conditional
042x
Optional
Processing Rules
If the Issuer accepts Visa Card Sequence Number, then DE 023 will be populated with Visa Card Sequence Number ID.
February 2011
141
Disposition
Condition
Optional
Optional Optional 00 01 02 03 04 05 Normal presentment Customer not present Unattended terminal able to retain card Merchant suspicious Electronic cash register Customer present, card not present Note: May be present in AVS-only requests and CVV2-only requests/advices. 06 07 08 09 10 11 12 15 Pre-authorized request Telephone device request Mail and/or telephone Security alert Customer identity verified Suspected fraud Security reasons Customer Terminal (home terminal)
Values
February 2011
142
55 56
57 58
59 Platform Distinction
NP-2 Maximum number of PIN characters accepted by the point of sale (POS) device. Disposition Condition
010x, 020x
Optional
STAR Acquirer Processors must accept 4-12 digit PINs. Available on the STAR SE/W Platform only.
February 2011
143
X + N-8 Convenience fee charged by the Acquirer Processor for a transaction in the currency of Amount, Transaction (DE 004). Disposition Condition
Conditional
Required for Acquirer Processors collecting a transaction convenience fee. In pre-authorization transactions, Amount, Transaction (DE 004) will contain the pre-authorization amount plus the surcharge or rebate amount. The sum of Amount, Transaction (DE 004) and Amount, Transaction Fee (DE 028) in a 022x cannot exceed:
Optional
If the surcharge for pre-authorizations is included in DE 004, then DE 028 can not be sent. Must be the same value in response as in request. If the surcharge for pre-authorizations is included in DE 004, then DE 028 can not be sent.
Conditional
Optional
February 2011
144
STAR processing does not calculate online fees. Acquirer Processors implementing a convenience fee must set the sign indicator to a D. Acquirer Processors implementing a rebate must set the sign indicator to a C. These values will be unaltered and passed through to the Card-Issuer Processor. For reversals of transactions that contained a fee, the sign indicator must be changed to a C. For reversals associated with mis-dispenses (over-dispense or partial amount dispense), the sign indicator in DE 028 must likewise be changed to a C. However, issuer processors should rely upon the replacement amounts and sign indicators in DE 095 to ascertain the actual amount dispensed and amount of the fee to be charged. X must be C (Credit to the cardholder) or D (Debit to the cardholder).
Conditional
Required if Amount, Transaction Fee (DE 028) is present and the currency of Amount, Transaction (DE 004) and Amount, Settlement (DE 005) are not the same. Must be the same value in response as in request.
Optional
February 2011
145
Required if Amount, Transaction Fee (DE 028) and Amount, Settlement (DE 005) are present. X (sign indicator): must be C (Credit to the cardholder) or D (Debit to the cardholder). Acquirer Processors implementing a convenience fee must set this indicator to a D. Acquirer Processors implementing a rebate must set this indicator to a C. These values will be unaltered and passed through to the Card-Issuer Processor. The sign indicator must be reversed to indicate a reversal of a fee. When STAR cardholders are performing transactions in a non-US currency, and a surcharge is being assessed, the surcharge amount in DE 028 will be in the acquirer's currency, and in DE 029 in US currency. Therefore, when both DE 028 and DE 029 are present in the request message, the issuer processor must use the amount from DE 029 for posting the fee to the cardholder's account.
February 2011
146
Disposition
Condition
Required
All STAR ATM and POS Acquirer Processors must format the FRDABA as 1NNNNNNNNC, where NNNNNNNN is the FRDABA and C is a check digit.
Processing Rules
If the element begins with a 1, must be an FRDABA with a valid check digit. The check digit will be calculated using a weighting factor of 37137137. Numeric with trailing blanks. For transactions acquired by networks behind the STAR Network, the content of this field may not follow the STAR standard layout. For MasterCard Signature Debit completions, this element is formatted 9MMMMMM, where M is the MasterCard ICA. See the STAR ISO 8583 Gateway/Product Interface Guide for additional information. For STARsf acquired transactions on the SE-W platform, this will be a pseudo ABA assigned by the network. As a result, acquirers will be returned an acquirer network ID of SSF in DE063 of the 0210 response to STARsf ATM withdrawal transactions. Issuers will be sent an acquirer network ID of SSF in DE063 of the 0200 withdrawal message.
Platform Distinction
February 2011
147
033 Sponsor ID
STAR Element Format Definition LLV N-11 An 11 digit numeric field containing an ID, which is assigned by the STAR network to uniquely identify the STAR financial institution that sponsors an Acquirer terminal. Message Type ATM Acquirer
Disposition
Condition
0200, 0420
Conditional
Required if terminal is sponsored by a STAR financial institution. Will be present in replies to echo the field when sent by an Acquirer.
0210
Conditional
POS Acquirer
Optional
Optional if terminal is sponsored by a STAR financial institution. Will be present in replies to echo the field when sent by an Acquirer.
Conditional
Processing Rules
Must be a numeric value. All zeros is an acceptable value for transactions that are not sponsored. This data element is not passed to Issuers.
February 2011
148
Disposition
Condition
Conditional
Required if card track data is electronically captured. Will be returned in response if in request. DE035 must not be passed.
Conditional N/A
Issuer
Conditional Conditional
Will be sent if available. Must be returned in response if received in request. For stand-in advices, will be passed if available. Not passed in pre-authorized completions.
022x
Conditional
042x
Conditional
May be sent for switch-generated reversal advices which are due to edit errors found in the issuers response message. Will not be sent for acquirer-generated reversals.
February 2011
149
Valid ISO Track 2 must be present from the STAR Acquirer if POS Entry Mode (DE022) indicates a magnetic stripe read was done. An = is always the representation of the Track 2 field separator when the following conditions are met:
An = was received from the Acquirer Processor; and The Acquirer Processor is utilizing the ISO format; and The Card-Issuer Processor's packing option is not set
Acquirers sending DE035 must send the full contents of the track and:
Discretionary data should not be truncated. Data element should not be space or zero-filled. Field length should not be set to zero.
STAR Acquirers are not permitted to send Track 2 (DE 035) in pre-authorized completions and reversal transactions:
February 2011
150
Disposition
Condition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
Although this field should remain unchanged throughout the Life of the Transaction, it cannot be guaranteed. It may vary between an original transaction, submission and resubmission. All STAR Acquirer Processors must support only numerics in this field. Julian date (YDDD): This date is made up of the least significant digit of the year, followed by the 3-digit day of the year. For example: January 15, 2006 = 6015 Actual terminal sequence number. The terminal sequence number must be incremented for each request. A value of all zeros is not a valid terminal sequence number for STAR ATM or POS Acquirer Processors.
Format
Position 1-4
Position 5-12
Processing Rules
STAR Acquirers are required to send the same value in DE 037 in both filled purchase pre-authorization requests and the associated pre-authorized completions. STAR ATM and POS Card-Issuer Processors may receive alpha numeric characters in this field from link or reciprocal acquirers such as Plus and Cirrus.
Platform Distinction
Currently, STAR NE Acquirers may send DE 037 in the recommended format. However, STAR NE Issuers will receive DE 037 formatted as four zeros followed by the 8-digit terminal sequence number.
February 2011
151
Conditional Conditional
Should be sent by acquirer if available. STAR SE/W Platforms: Will be sent to acquirer if available.
Issuer
0110
Conditional
Required from Card-Issuer Processor in signature debit authorization responses for approved transactions. Optional from Card-Issuer Processor in PIN-based responses for approved transactions. Will be sent to Issuer if available.
0110, 0210
Optional
Conditional
Processing Rules
Required in responses to signature debit authorization requests; optional in responses to pinned-based transactions. Issuers should not use an 'N' or an 'S' in the first position of this field as these designations are used when STAR processing (vs. the Card-Issuer processor) populates DE 038. Doing so could cause confusion to the Acquirer Processor as to whether the Switch or the Card-Issuer Processor denied the transaction. DE 038 is not currently available in responses to acquirer processors on the STAR NE platform.
Platform Distinction
February 2011
152
0110, 012x, 0130, 0210, 022x, 0230, 0302, 0312, 0322, 0430 042x
Required
Required
Processing Rules
When Response Code is 30, Additional Response Data (DE 044) will/must contain the data element number that is in error. See Chapter 9: Data Element 039: Response Codes in this manual for additional information. The existing value of '10' - which indicates a partial approval amount - will now be valid for use in message type 0210 (financial transaction response), provided the transactions does not involve cash back. Values of 00, or 10 will be allowed from acquirers for 0420 reversal messages when the original amount was partially authorized. Regardless of the response code value sent by the acquirer, response code 00 will be passed to issuers for all reversals of partial approval amount transactions.
February 2011
153
AN-8 Unique value identifying a terminal at the card acceptor/merchant location. Disposition Condition
Required
Processing Rules
None
February 2011
154
Conditional
STAR point of sale and bill payment Acquirer Processors must supply a unique value for each merchant or merchant location.
0110, 0120
Conditional
STAR NE Platform: Returned to acquirers. STAR SE/W Platforms: Not returned to acquirers.
Issuer
Conditional
STAR NE Platform: Will be sent to issuers if available. STAR SE/W Platform: By default will not be sent to issuers for most transaction types. By special request, can be configured to be sent if available.
0110, 0210
Optional
Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR for late responses.
February 2011
155
For message types 010x, 012x, 020x, 022x and 042x, if Positions 1 and 2 of Processing Code (DE 003) contain 00, 20, 50 or 56, then DE 042 must be present except for ATM alternate media transactions. If an Issuer receives invalid data element content in this (or any other) field on a request message, then the Issuer should deny the transaction in the 0110/0210 response message using Response Code 30 (format error). Issuers receiving invalid data element content in a reversal or advice message must still acknowledge the message with a 0230/0430 with a Response Code 00 (approved). Issuers that participate in other networks via STAR software may receive special characters in DE 042. See the STAR ISO 8583 Gateway/Product Interface Guide for additional information.
1-23 Address 24-36 City 37-38 State (alpha representation). 39-40 Country (must use 2-character alpha representation). See Chapter 16: Country/Currency/State Codes.
February 2011
156
Disposition
Condition
Required
Conditional
Must be returned by an acquirer if the Issuer supplied it in the 0110 or 0210 message.
Issuer
Required
Optional
042x
Conditional
For reversals for late responses, STAR processing will send if the Issuer returned in the 0110/0210. For acquirer-generated reversals, STAR processing will send if Acquirer supplies it.
Processing Rules
Transactions acquired at networks behind STAR Networks may be passed to Issuers without certain subfields, such as State or Country. Therefore, Issuers should not edit for the presence of all subfields. If their cardholders use terminals located on US Military bases in foreign countries, Issuers may (or may not) receive a value of XX in the State code subfield and a value of US in the Country Code subfield (as several networks require this). Acquirers of transactions for terminals located on US Military bases in foreign countries must populate the State subfield with XX, and must also populate the Country subfield with US. This will enable STAR Networks to comply with other networks' requirements.
February 2011
157
for format edit responses. for providing additional information in responses. for responses to negative file status inquiries (STAR SE/W only). Disposition Condition
Message Type
Conditional
May be used by STAR processing to provide information about the nature of edit errors in conjunction with Response Code (DE 039) of 30. Positions 1-3 will include either:
STAR NE Platform: Invalid DE 063 pseudo-terminal data. STAR SE/W Platform: Invalid combination of DE 032 and DE 058 terminal type; else unacceptable Acquirer Network ID received in DE 063.
0430
Conditional
A value of 201 may be used by STAR Networks to indicate that the reversal could not be matched to an original transaction.
Issuer
0110, 0210
Conditional
May be used by Issuers to provide information about the nature of edit errors in conjunction with Response Code (DE 039) of 30. Positions 1-3 should include the data element field number which is in error.
February 2011
158
0110, 0210
Conditional
For responses to negative file status inquiries (SE/W Platforms only): Issuer
0312
Conditional
In response to the Card-Issuer Processors 0302 inquiry, STAR will return the status code for the PAN in the negative file.
Processing Rules
See the STAR ISO 8583 Gateway/Product Interface Guide for information on how DE 044 is used in response messages for the STAR CHEK Direct.
Platform Distinction
DE 044 is not used with negative file status inquiries on the STAR NE platform.
Conditional
May be received in transactions acquired from links and gateways. Must be returned in the response if received in the request. For stand-in advices, passed if available. Not passed in pre-authorized completions.
0110, 0210
Conditional
022x
Conditional
February 2011
159
042x
Conditional
May be sent for switch-generated reversal advices resulting from edit errors found in the issuers response message. Will not be sent for acquirer-generated reversals.
Processing Rules
047
LLLVAR ANS100 A multi-purpose data element that can be put to various uses in transferring data. Disposition Condition
Conditional
See the STAR ISO 8583 Gateway/Product Interface Guide for additional information. Visa Usage - Only supported on the STAR SE/W Platform. MasterCard Usage - Supported on STAR NE/SE/W Platform.
February 2011
160
Required
Conditional
STAR NE Platform: Will not be returned to acquirers. STAR SE/W Platform: By default will not be returned to acquirers. By special request, can be configured to be returned.
0420
Conditional
Send if available.
Issuer
Conditional
Sent to Card-Issuer Processors if available (as non-STAR networks may not send) Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR processing for late responses. Will be sent, if available.
Conditional
0421
Conditional
Processing Rules
February 2011
161
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Required
Processing Rules
NP-3 Code defining the currency of Amount, Settlement (DE 005) and Amount, Settlement Fee (DE 029). Disposition Condition
010x, 0110, 012x, 0130, 020x, 0210, 022x, 0230, 042x, 0430
Conditional
Processing Rules
STAR software does not perform currency conversion. This value will be 840. See Chapter 16: Country/Currency/State Codes in this manual.
February 2011
162
NP-3 Code defining the currency of Amount, Cardholder Billing (DE 006). Disposition Condition
Conditional
Optionally available to issuers on the STAR SE/W platform for transactions that include a MasterCard Currency Conversion Assessment fee. Should be returned if received.
Conditional Optional
Acquirer
Conditional
May be received for transactions for non-US cardholders. May be sent if received in the 0210 response.
Optional
Processing Rules
STAR software does not perform currency conversion. See Chapter 16: Country/Currency/State Codes in this manual.
Platform Distinction
February 2011
163
Binary, 8 bytes, or 16 hex bytes if numeric packing option not set. A number assigned to a cardholder intended to uniquely identify that cardholder at the point of service. Disposition Condition
010x, 020x
Conditional
Required if device accepts PIN data. Conditional for Signature Debit Transactions. All STAR ATM & POS Acquirer Processors must transmit the PIN field unless:
Request is a resubmission of a merchant authorized transaction. (Optional: see Chapter 2: Operational Considerations) OR
Request is for a Product that is defined as PIN-less, such as STAR Bill Payment or STAR Interbank Transfer Credit.
Processing Rules
None
010x, 012x
Optional
February 2011
164
Conditional
Required for STAR-acquired transactions (using Amount Type 40) when cash back and/or negotiable items (quasi-cash or scrip) are being processed.
0110
Conditional
For 0110 pre-authorizations for which the issuer approves an amount which is less than the requested amount:
STAR SE/W Platforms: If acquirer did not pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 will be included in the 0110 pre-authorization response message (with amount type '58') to identify the amount authorized by the issuer. If acquirer did pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 will be included in the 0110 pre-authorization response message (with amount type '91') to identify the original request amount. (DE 004 will carry the approved amount.)
STAR NE Platform: DE 054 will be included in the 0100 pre-authorization response message (with amount type 58) to identify the amount authorized by the Issuer.
February 2011
165
0210
Conditional
For 0210 responses for which the issuer approves an amount which is less than the requested amount:
DE 054 will be included in the 0210 response message (with amount type '91') to identify the original request amount. (DE004 will carry the approved amount.)
STAR NE Platform:
DE 054 will be included in the 0210 response message (with amount type 58) to identify the amount authorized by the Issuer.
022x
Conditional
SE/W Platforms only: Required in STAR-acquired pre-authorized completion messages (using Amount Type 57) to identify the amount originally authorized by the Issuer in the 0110 response.
February 2011
166
042x
Conditional
STAR SE/W Platforms: If acquirer did not pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 must be sent and include the amount type '58' with the amount originally authorized by the issuer. If acquirer did pass DE 063.7 (Processing Flags) in the 0100 request, then DE 054 should not be sent for amount type '58'.
STAR NE Platform: DE 054 must be sent and include amoutn type 58 with the amount originally authorized by the Issuer.
STAR SE/W Platforms: Acquirer need not send DE 054 (but must reverse the entire amount that had been approved in DE 004).
STAR NE Platform: DE 054 must be sent and include amount type 58 with the amount originally authorized by the Issuer.
For reversals of transactions which contained DE 054 in the 0100/0200 requests - such as for amount type 40 for cash back - then DE 054 must be sent with those same amount fields.
Issuer
010x, 012x
Conditional
February 2011
167
Conditional
For STAR-acquired transactions, will be present (with Amount Type 40) when cash back and/or negotiable items (quasi-cash or scrip) are being processed. SE/W Platforms only: May be present in STAR-acquired pre-authorized completion messages (with Amount Type 57) to identify the amount originally authorized by the Issuer in the 0110 response.
022x
Conditional
February 2011
168
042x
Conditional
STAR SE/W Platforms: If Issuer sends DE 054 in 0110 with amount type '58' to convey amount to be authorized, then DE054 will present in the reversal with amount type '58'. If Issuer does not send DE 054 in the 0110 with amount type '58' to convey the amount to be authorized, then DE054 will not be present in the reversal with amount type '58'.
STAR NE Platform DE 054 will be sent and include amount type 58 with the amount originally authorized by the Issuer.
STAR SE/W Platforms: Issuer will likely not receive DE 054 (as acquirers may only fully reversal partial amount approvals).
STAR NE Platform: DE 054 will be sent and include amount type 58 with the amount originally authorized by the Issuer.
For reversals of transactions which contained DE054 in the 0100/0200 requests - such as for amount type 40 for cash back - then DE 054 will be sent with those same amount fields.
0110, 0210
Conditional
Issuers may return account balances in declined POS transactions. (Some acquiring networks require this for declined prepaid card transactions.)
Format
Position 1-2
February 2011
169
Amount Type (AN 2) Currency Code (N3) Sign and amount (X + N12) where: X = sign indicator
C (for positive or zero balances or for fees that are credits to the cardholder or issuer). D (for negative balances or for fees that are debits the cardholder or issuer) nnnnnnnnnnnn = amount
Processing Rules
Issuer Members shall not transmit through the STAR Network any positive Available Balance or POS Balance that includes amounts available through an overdraft protection program, other than a line of credit that is subject to Regulation Z, in response to an Authorization request for a Balance Inquiry or for any other purpose. For transactions acquired by networks other than STAR, Issuers cannot rely upon receiving DE 054 with Amount Type 40 conveying the amount of a negotiable item (i.e., quasi-cash or scrip). Quasi-cash or scrip transactions, when received from Visa/Interlink, will be passed to STAR Issuers with a processing code of 11 xx 00. Quasi-cash or scrip transactions acquired by other networks may need to be distinguished based upon other data elements such as Merchant Type (DE 018). The sign indicator for STAR cash back amounts should be set to C (positive amount). See Chapter 10: Data Element 054: Additional Amounts in this manual for additional details. For transaction response messages that are being approved for a partial amount, the content of DE 054 for amount type 91 (amount of original request) must use the currency code and associated amount of the acquirer (i.e., DE 049 - currency code, transaction and DE 004 - amount, transaction).
February 2011
170
STAR SE/W Platforms only: When the Response Code (DE 039) is 10, then (assuming new methodology) DE 054 must include the original requested amount, specified as follows:
Account Type 00 for prepaid cards, or else the From Account type from positions 3 4 of DE 003 (Processing Code) in the response message Account Type 91 (original amount) The local (acquirer) currency code for DE 049 of the request message The local (acquirer) currency amount from DE 004 of the request message
For issuers that return balances in 0110 and 0210 response messages, the DE 054 sub-elements will need to be populated as follows:
Account Type 00 for prepaid cards, or else the From Account type from positions 3 4 of the DE 003 (Processing Code) in the response message Amount Type 02 (account available balance) for prepaid cards, or else 01(ledger balance) and/or 02 for all other non-prepaid cards Currency Code 840 Balance Amount
February 2011
171
Optional / Conditional
For Issuers who have opted to receive this field, it will be present when any additional fee amounts are available in the message. Required if the Additional Fees data element is received in the request. The response value must be the same as the value in the request. Fee Type
Conditional
Values
Position 1-2
00 = Transaction Fee. First amount is in transaction currency and second amount is in settlement currency. 15 = Currency Conversion Assessment (CCA fee). First amount is in cardholder bill currency and second amount is in settlement currency.
February 2011
172
0 = Card-Issuer processor should not apply this fee to cardholder account. This is appropriate for POS interchange fees (as the issuing bank retains such fees). STAR moves POS interchange fees to issuing bank as part of daily settlement processing. It is also appropriate to not charge the cardholder separately for fee type 15 (CCA) as this fee is already contained in the transaction amount. '1' = Card-Issuer processor should apply this fee (in addition to the transaction amount) to the cardholder account. Such handling is appropriate for surcharge fees. (At this time, STAR uses only DE 028 and DE 029 for surcharge fees.)
February 2011
173
Position 5-13
X + N8 See notes under Position 1-2, Fee Type to determine which currency is used to represent the fee amount. X + N8
Numeric (except for sign indicator). Each fee amount field is right-justified, zero-filled. Assumes 2 decimal places for US dollar amounts. For non-US dollar amounts, decimal position is per ISO standard (usually, but not always, 2 positions). X (sign indicator):
'C' = Credit to the cardholder or issuer 'D' or '0' = Debit to the cardholder or issuer
In reversals, the sign indicator is reversed to indicate reversal of the amount. For full reversal transactions, DE 055 will reflect the reversal of the full fee amounts. For partial reversal transactions, DE 055 will likewise reflect the reversal of the full amounts; however, for such transactions, the content of DE 056 becomes the actual amount of the fees to be associated with the portion of the transaction amount that was not reversed. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway processing.
February 2011
174
DE 055 will have reversed sign indicators and amounts equal to those in the original transaction, to reflect a full reversal of the original amounts. DE 056 will contain revised amounts that are appropriate for the actual transaction amount. The sign indicators in DE 056 will be consistent with those that were used in DE 055 in the original request. Disposition Condition
0420
Optional / Conditional
For Issuers who have opted to receive this field, it will be present in partial amount reversals when additional fee amounts are available in the message. Required if received in the 0420 reversal. The values must be the same as those received in the reversal. Fee Type
0430
Conditional
Values
Position 1-2
00 = Transaction Fee. The first amount is in the transaction currency and the second amount is in the settlement currency. 15 = Currency Conversion Assessment (MasterCard CCA fee). The first amount is in the cardholder bill currency and the second amount is in the settlement currency.
February 2011
175
February 2011
176
Numeric (except for sign indicator). Each fee amount field is right-justified, zero-filled. Assumes 2 decimal places for US dollar amounts. For non-US dollar amounts, decimal position is per ISO standard (usually, but not always, 2 positions). X (sign indicator):
In partial reversals, X will match DE 055 sign indicator in the original request. The STAR ISO 8583 Gateway/Product Interface Guide provides additional processing information for Gateway processing.
February 2011
177
010x
Required
Pre-authorizations must be set at two (2) hours to comply with STAR Operating Rules. Thus, the proper setting for this field is 202. Values may vary between other networks.
0110
Optional
Required if needed in reversal for late or unsolicited response. If provided in the original 0100. Life Cycle Indicator 1 = Calendar Day 2 = Hours 3 = Minutes
042x
Required Position 1
Format
Position 2-3
Actual Interval
February 2011
178
LLLV N-010 Provides additional information regarding the disposition of the transaction, customer, terminal. Disposition Condition
Required Position 1 Position 2 Position 3 Position 4 Terminal Class - Terminal Operation Terminal Class - Customer Operation Terminal Class - On/Off Premise POS Condition Code - Presentation Data: Cardholder Presence Indicator; Purchase/Order/ Payment Type Indicator POS Condition Code - Presentation Data: Card Presence Indicator POS Condition Code - Presentation Data: Card Retention/Capture Capability Indicator POS Condition Code - Presentation Data: Presentment Indicator Security Condition POS Condition Code/Terminal Type
Format
Position 5
Position 6
Position 7
See Chapter 11: Data Element 058: National Point of Service A for additional information.
February 2011
179
Conditional
This is a mandatory data element for some networks (access to which may be provided by STAR).
Issuer
0110, 0210
Optional
Optional Position 1-2 Position 3-5 Position 6-14 Position 15-17 State Code (2N) County Code (3N) Postal Service Code (5-9AN) Country Code (3N)
Format
February 2011
180
This element is not required for STAR Acquirer Processors unless participating in another network that requires it. See the STAR ISO 8583 Gateway/Product Interface Guide. STAR SE/W Card-Issuer Processors may request to be configured to receive this field if they participate in any of STAR's gateways or links. If County Code is unavailable, this sub-element may be zero-filled if later sub-elements are included. If Country Code is included, blank-fill any unused Postal Service Code positions. If their cardholders use terminals located on US Military bases in foreign countries, and if Issuers are configured to receive DE 059, then Issuers may (or may not) receive a value of 99 in the State code subfield (as several networks require this). Acquirers of transactions for terminals located on US Military bases in foreign countries and who send in DE 059, must populate the State subfield with 99. This will enable STAR to comply with other networks' requirements. DE 059 is not currently sent to Issuers on the STAR NE Platform.
Platform Distinction
February 2011
181
LLLV AN-006 Defines the reversal and/or advice reason codes. Disposition Condition
Required Position 1-2 The hexadecimal character representation of a bit map indicating the presence of the following subfields:
Format
80 = Reversal reason present. 40 = Advice reason present. C0 = Both reversal and advice reason subfields are present. If the bit map indicates that only one reason code is present, that value will appears in positions 3-4 (i.e., either a reversal reason or an advice reason code). Formats:
Position 3-4
80RR where RR is a valid reversal code. 40AA where AA is a valid advice code.
Position 5-6
Is only populated if the bit map value is C0. In such instances, the advice reason code appears in positions 5-6 (and the reversal code appears in positions 3-4). Format: C0RRAA where RR is a valid reversal code, and AA is a valid advice code.
Processing Rules
For a reversal, STAR Acquirer Processors should send only a reversal reason For an advice, STAR Acquirer Processors should send only an advice reason
February 2011
182
For a reversal of an advice, STAR Acquirer Processors should send both the reversal and advice reason sub-elements STAR Acquirer Processors should not send in values of 3, 4, or 9 in position 1 of the reversal reason code field, as these values are to be assigned by the STAR. (Networks behind STAR, however, may also assign a value of 3.) STAR POS Acquirer Processors supporting a pre-authorization request (0100/0101) and financial transaction advice (0220/ 0221) should set the advice reason code value to '24' in the 022x advice STAR POS Acquirer Processors are not permitted to send in 0120 approval advices, nor are they permitted to send in 0220 force post approval advices for transactions that did not have an associated 0110 approval response. For this reason, STAR POS Acquirer Processors may not send in advice reason code position 2 values of 5, 6, or 7 STAR SE/W Platforms Only: STAR Card Issuer Processors that transmit a 0110 or 0210 response message that fails STAR switch data element edits will receive a 0420 reversal message with a reversal reason code of '30' STAR Card Issuer Processors may receive denial and/or force post advices with advice reason code values of "31", "32", or "33" for transactions STAR switch declines when the Card Issuer Processor does not respond (or respond timely) to transaction requests Networks behind STAR may send both sub-elements in a reversal or an advice, so STAR Card Issuer processors should be prepared to accept zeros in either sub-element. Additionally, networks behind STAR may use reversal and advice reason code values other than the values used by STAR. For this reason, STAR Card Issuer Processors should not limit their ability to accept values to only those listed in Chapter 12.
February 2011
183
An advice code of CV indicates the STAR NE Switch has denied a transaction due to invalid CV value on the issuers behalf An advice code of AT indicates the STAR NE Switch has denied a transaction on the issuers behalf due to invalid ATC counter. Ad advice code of DB indicates the advice is a notification of a foreign deposit acquired at one of the processors STAR driven ATMs
STAR SE/ W Platforms only: An advice code of 34 in conjunction with a response code (DE 039) value of 05, indicates a CV Threshold limit has been reached Chapter 12: Data Element 060: Advice/Reversal/Reason Code in this manual indicates further values, and additional information
LLLV ANS-100 Free format data of up to 100 bytes that will be echoed to the Acquirer Processor in the response to their request. Disposition Condition
010x, 012x, 020x, 022x, 042x 0110, 0130, 0210, 0230, 0430
Optional
Conditional
Processing Rules
February 2011
184
LLLV ANS-100 Free format data of up to 100 bytes that will be echoed to the Card-Issuer Processor in response to their request. Disposition Condition
0302, 0312
Conditional
Required for signature debit clients that have elected to send negative file messages online through the STAR network to Visa or MasterCard.
0302, 0312
Optional
Processing Rules
This field will not be passed on to the Acquirer Processor. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 5: Data Element 62: Issuer Transport Data for additional information.
6 3 3 6
1 2 3 4
February 2011
185
15
2/4
February 2011
186
Position 1: Externally settled transaction indicator (not used for STAR transactions).
Space or 0: Merchant terminal does not support receipt of partial approvals. 1: Merchant terminal supports receipt of partial approvals.
February 2011
187
Message Type
Disposition
Condition
Required
Optional
Conditional
Acquirer
Optional/Mandatory
STAR SE/W: Optional for Issuers to receive. STAR NE: Mandatory for Issuers to receive.
0110, 0210
Conditional
February 2011
188
0100, 0200
Conditional
With STAR CHEK Direct product. When acquirer processor represents a link to another non-STAR network.
0110, 0210
Optional
0220, 0420
Conditional
With STAR CHEK Direct product. When acquirer processor represents a link to another non-STAR network. When received in response.
Processor ID Acquirer/Issuer
Optional
February 2011
189
Optional
Conditional
Issuer
Optional
Conditional
Required for issuers that support partial authorizations for financial transactions.
Processing Rules
Value is provided by Acquirer Processor. On the STAR NE Platform, the value to be sent by acquirers must be coordinated with STAR. It also must be passed in upper case. On the STAR SE-W Platforms, the value is not edited and will be changed at STAR to a STAR-assigned value (which is associated with data provided by the Acquirer in De 032 and DE 058). For this reason, the pseudo terminal value contained in STAR SE-W settlement user files may not match the value supplied in the request.
Tells the Acquiring Processor which network authorized the transaction. See Chapter 1 in the STAR ISO 8583 Gateway Product Interface Guide for all valid Issuer Network IDs.
February 2011
190
Tells the Issuing Processor which network acquired the transaction See Chapter 1 in the STAR ISO 8583 Gateway Product Interface Guide for all valid Acquiring Network IDs. STAR NE Platform: Acquirer Network IDs not listed in that chapter are non-gateway STAR NE Acquirers.
Processor ID:
Tells the Issuing Processor which network acquired the transaction Also indicates to the Acquiring Processor which processor authorized the transaction.
Processing Flags:
This sub-field may or may not be present in varying transactions. Used to indicate to the issuer whether or not the acquirer is capable of handling a partial amount authorization. For financial transactions (message type 0200/0210), issuers should not return partial amount approval for transactions for which position 3 of Processing Flags is not equal to 1. If sent by the acquirer and/or received by issuer in an advice (0220 or 0420) transaction, the transaction must be processed, regardless of the content of this field.
February 2011
191
NP-3 Used to identify network status in network management messages. Disposition Condition
Required Code Processor Initiated Unsupported Signon as Issuer/ Authorizer Signon as Acquirer Switch Initiated
Format
0800, 0810
005 061
Unsupported Signon as Acquirer Processor Signon as Issuer Processor Signoff as Acquirer Processor Signoff as Issuer Processor Acquirer working key change Card-Issuer working key change Not supported
071
062
072
161
Unsupported
171
Unsupported
181
191
Not supported
261
262
February 2011
192
272
Cut-off complete as Acquirer (STAR CHEK Direct only) Issuer/Authorizer handshake/echo test Acquirer Processor handshake/echo test Message format syntax error Acquirer Processor handshake/echo test Issuer handshake echo test Message format syntax error
361
371
0620
900
Processing Rules
042x, 0430
Required Attribute N4 Position 1-4 Notes Original Message Type, echoed from original 010x, 020x or 022x. Original System Trace Audit number. Original transmission date (DE 013) and time (DE 012). Original acquiring institution identification code. Zero-filled if acquired by STAR.
Format
N6 N10
5-10 11-20
N11
21-31
February 2011
193
Processing Rules
The first three sub-elements are supported by STAR. The remaining two sub-elements must be zero-filled. If an Acquirer Processor zero-fills either the Original system trace audit number or the Original transmission date and time, the Switch will replace the zeros with data contained from DE 011 and DE 007. 022x reversal is only permitted when acquired from a link or Gateway. STAR CHEK Direct only: Outbound messages contain the original message type. The system trace audit number and local date/time are sent if available. Absence of data is indicated by zeros. Routing and transit fields will be right-justified, zero-filled.
Required Code 1 2 3 5 Add record Change/Update record Delete record Inquiry Description
Value
Processing Rules
February 2011
194
042x, 0430
Conditional Attribute N-12 Position 1-12 Notes Actual Amount, Transaction: the amount dispensed in the currency of the Acquirer Processor if the transaction was acquired internationally. Actual Amount, Settlement: in US currency. Actual Amount, Transaction Fee: the transaction fee in the currency of the Acquirer Processor if the transaction was acquired internationally. Actual Amount, Settlement Fee.
Format
N-12
13-24
X + N-8
25-33
X + N-8
34-42
All four (4) sub-elements will be present. Actual Amount, Transaction and Actual Amount, Settlement will be the same if the transaction was performed in US currency. In the case where an over-dispense occurs, Actual Amount, Transaction or Actual Amount, Settlement will exceed Amount, Transaction (DE 004). STAR Point of Sale Acquirer Processors may generate partial/ overdispense reversals from ATM multi-media device types.
February 2011
195
Signed Numeric. X must be C (Credit to the cardholder) or D (Debit to the cardholder). Over- and under-dispense reversals are supported via an 0420 message, not as an additional debit transaction. DE 095 should be populated with the amount actually dispensed (e.g., an amount greater or less than the original amount requested). DE 095 should not be populated with amount equal to the original amount in DE 004 or DE 005, because if the amount dispensed equaled the amount requested, then reversal would have no net effect. Zero-dollar reversals (where the amount in DE 004 or DE 005 is zero) are not permitted.
0302, 0800
Required
AN-5 None
February 2011
196
LLV NP-9 Unique to STAR CHEK Direct. This field is used to determine the authorization entity for routing. Disposition Condition
Required
Conditional
STAR SE/W: Switch returns this field to the acquirers. Issuers do not need to return it in a response. STAR NE: Optional.
Processing Rules
101
File Name
STAR Element Format Definition Message Type Acquirer/Issuer
LLV ANS-17 The actual or abbreviated name of the file being accessed. Disposition Condition
February 2011
197
101
STAR NE Acquirer:
0302:
For negative file update request, must be 'PI-NEGATIVE'. For ATC reset request, must be 'ATC-RESET'
0312:
0382:
For card activation request, must be 'CARD ACTIVATION' For PIN offset file update request, must be 'OFFSET FILE'
0392:
STAR NE Issuer:
0302:
0322:
0382:
For card activation notification, will be 'CARD ACTIVATION' For PIN change request, will be 'PIN CHANGE'
0384:
February 2011
198
Optional
Conditional
Will be provided in the request for Co-Operative clients. Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.
042x
Conditional
Processing Rules
None
Optional
Conditional
Will be provided in the request for Co-Operative clients. Must be returned by Acquirer if Issuer supplied in the 0110 or 0210 response message.
042x
Conditional
Processing Rules
None
February 2011
199
LLLV ANS-100 Data describing additional characteristics of the transaction for billing and other purposes. Disposition Condition
Conditional
Required for STAR POS Acquirer Processors on all transactions except POS balance inquiries. Required for Point of Sale (POS) Acquirer Processors who access Interlink through their STAR connection. Required for STAR ATM alternate media transactions.
0110, 0210
Conditional
Issuer
Conditional
Conditional
Required if Card-Issuer Processor wants to receive this element in reversals generated by STAR processing for late responses.
February 2011
200
Position 1 - The Interlink Interchange Group Identifier can have the following values:
N = Acquirer Processor does not participate in Interlink through STAR W = Pre-existing qualified Interlink supermarket (SE/W only) X = Pre-existing Interlink merchant (SE/W only) Y = Qualified Interlink supermarket (SE/W only) Z= Standard Interlink merchant (SE/W only)
Left justified, variable length (1-3 bytes) If Position 5 (Aggregration Indicator) is not present, then trailing spaces are dropped. If the Aggregation Indicator is present then A 1-byte STAR Interchange Group identifier is followed by spaces in positions 3-2. A 2-byte STAR Interchange Group Identifier is followed by one space in position 4.
Position 5 - Aggregation Indicator This subfield may or may not be present. If present, valid values include:
Processing Rules
DE 104 must be present in alternate media transactions and reversals. See the Alternate Media section of the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 4 for details and associated reversals. See Chapter 13 in this manual for valid interchange identifier values. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 12 for details on formatting this element in NYCE Payment transactions.
February 2011
201
LLLV ANS-999 Private issuer-generated data, delivered in a custom format depending on issuers usage. Disposition Condition
Conditional
Format
Format varies depending on usage. Consists of a fixed-length data segment followed by a variable-length segment that may repeat.
Processing Rules
See Chapter 12: Data Element 105: Large Private Data in this manual for information on current usages of DE 105. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 11 for details on formatting this element in NYCE Payment transactions.
LLLV AN-255 This tagged data field is used to carry information from and about the sender of the transaction. Disposition Condition
Optional
Currently supported for certain types of MasterCard acquired transactions. May be returned, if received, in the request (if the Card-Issuer Processor wants to receive this field in a reversal for a late response)
Conditional
Processing Rules
See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 12 for details on how this element is used in transactions.
February 2011
202
Conditional
Issuer
Optional
For STAR Issuers, in certain instances and upon request, STAR can pass DE 111 to convey information received from other networks
Processing Rules
See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 8, DE111: Additional Data, Private Acquirer for detailed information on uses, formats, and platform distinctions for this data element.
February 2011
203
0110, 0210
Required
All STAR ATM & POS issuing processors must format the FRD-ABA as 1NNNNNNNNC where NNNNNNNN is the FRD-ABA and C is a check digit. This data element is a uniquely identifying number agreed upon by the network.
Acquirer
Optional
If transmitted by another Network. STAR CHEK Direct only: 0220 messages may also use this data element.
0110, 0210
Conditional
Processing Rules
Field length of 10 containing numeric digits, or field length of 11 with a trailing blank. Field may not be packed. If the data element begins with a 1, STAR members must populate the field as a FRD-ABA with a value check digit (MOD 10). Links and gateways may not always transmit a valid FRD-ABA check digit. If a STAR Card-Issuer Processor responds with a FRD-ABA of all zeros, the Switch will overlay the zeros with the institution's FRD-ABA as defined in the STAR database.
February 2011
204
LLLV AN-3 Code identifying the country where the authorizing agent institution is located. Disposition Condition
0110, 0210
Optional
Acquirer
Conditional
Processing Rules
None
February 2011
205
LLLV AN-6 Used to identify account qualifiers in a multiple account transaction. Disposition Condition
Optional
Format
3 AN
Account Qualifier 1: This sub-element identifies the from account involved in a transaction. Account Qualifier 2: This sub-element identifies the to account involved in a transaction.
3 AN
Processing Rules
STAR NE Platform:
Account Qualifier 1 and Account Qualifier 2 must be one of the following values:
000 = Not applicable to the transaction 1nn = Checking 2nn = Savings 3nn = Credit 4nn = Other
Where nn is the sequence number of the account. Valid values are '01' through '99'. A value of '01' indicates the primary account of the type indicated.
February 2011
206
LLLV ANS...999 Used to convey issuer-specific data. This data may vary by transaction type, product, or network. Disposition Condition
0200, 0210
Conditional
0110, 0210
Optional
Acquirers on the STAR SE/W platforms can elect to have this optional data element enabled for transaction responses from MasterCard and Visa.
0110
Optional
Issuers on the STAR SE/W platforms can elect to provide a Merchant Advice Code. If not provided, the STAR switch will return a default value.
For additional information on DE 121 usage with statement processing, see Chapter 15 in this manual. For additional information on DE 121 usage with Visa- and MasterCard-issued transactions, see Chapter 9 DE 121: Additional Data, Private Issuer in the STAR ISO 8583 Gateway/ Product Interface Guide.
February 2011
207
Optional
For the Issuers electing to receive it, DE 122 can carry MasterCard acquirer Customer ID or VISA Sponsor Bank ID values. May be returned, if received in the request, if the Card-Issuer Processor desires to have this field returned in a reversal.
0110, 0210
Optional
STAR Acquirers should not send in DE 122. This field is for STAR SE/W Issuers only; it is not applicable for the STAR NE Platform.
February 2011
208
123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits
STAR Element Format LLLV ANS-255: Address Verification, Card Verification/Validation, ATM Overdraft LLVAR ANS 157: Self Service Check Deposits Definition This data element can carry data for several purposes:
Address Verification (AVS data) Card Validation data and results for MasterCard CVC2 and Visa CVV2 (STAR SE/W Platforms only) 3-D Secure Validation results (STAR SE/W Platforms only)
Self Service Check Authorization data (check guarantee and check verification):
ATM Overdraft capability/eligibility information (STAR NE Platform only). STAR CHEK Direct Check Authorization.
See STAR ISO 8583 Gateway/Product Interface Guide Chpater 11: Data Element 085: National Point of Service and Chapter 12: Data Element 060: Advice/Reversal Reason Code for details on STAR CHEK usage.
See STAR ISO 8583 Gateway/Product Interface Guide Chapter 6: Data Element 123: AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash and Check Deposits for details on each of the usages above.
February 2011
209
123 AVS / CVx2 / 3-D / Check Auth / ATM Overdraft / Cash/Check Deposits (cont.)
Message Type Acquirer/Issuer
Disposition
Condition
Conditional
Cash/Check Deposit
0100
Conditional
STAR Switch forwards MICR data, if received, for a cashed check transaction. Issuers must be able to receive and send for cash/check deposit authorizations.
Conditional
Processing Rules
When using the Tagged Data format, multiple components, such as AVS and CVV2 data, may appear in a single message and vary in their order. The Format Type identifier TD must occupy positions 1-2 of the element for all tagged formats. STAR NE Platform supports AVS through this data element only in the Tagged Data format.
Platform Distinction
0620
Required
First 255 bytes of message in error; can contain up to the first 255 bytes of the message. Card Activation and PIN Change/ Offset: Defines the cardholder data to be modified. Issuer PIN Change Advice: New PIN offset value
0382, 0392
Required
0384, 0394
Required
February 2011
210
Length AN 19 AN 5
Card Activation
AN 41 AN 1
N4
PIN Offset
N2
Value = 03 (ANSI PIN block). The old PIN encrypted under the current PIN encryption key. Value = 03 (ANSI PIN block). The new PIN encrypted under the current PIN encryption key.
b64
N2
b64
None
Card Activation and PIN Change/Offset usage is available on the STAR NE platform only. See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 13, DE124: Additional Data, Private for detailed information on uses, formats, and platform distinctions for this data element.
February 2011
211
0800, 0810
Conditional
Required in 0800 messages with Network Management Code (DE 070) equal to 161 or 171. Description Single DES:
Format
Code 20
16-character key (an Acquirer Processor Working Key). 4 character check digits (first four bytes of the result of encrypting 16 zeros with the key being transmitted).
36
Triple DES:
32-character key (an Acquirer Processor Working Key). 4 character check digits (first four bytes of the result of encrypting 16 zeros with the key being transmitted.
Tagged Data Information Acquirer 0110, 0210, 0220, 0420 Optional Optional for Acquirers to receive in response messages and to send in subsequent advice and reversal mesages.
Issuer 0100, 0120, 0200, 0220, 0420 Optional By special request, can be configured to be sent if available.
February 2011
212
SI (STAR Interchange) Data Format Field Name Format Identifier Position 1-2 Data Length 2
Description SI - STAR Interchange tag The length of the data in the STAR Interchange field Valid values range from 01 to 03 A - ALL STAR BIN 0 (zero) - Standard STAR BIN (STAR SE/ W platform
3-4
5-7
Variable 1-3
February 2011
213
DE 125 with STAR Interchange SI tagged data is currently applicable to POS transactions and bill payment transactions processed through the STAR Network. The STAR Interchange Data field is variable length and can consist of one, two, or three alphanumeric characters with no trailing spaces. Value 0 (zero) indicates that the transaction involves a standard STAR BIN. Other values will be used in the future to denote different interchange configurations. Issuers opting to return DE 125 may not change the content of DE 125 in 0110/0210 response messages. Issuers and Acquirers opting to receive DE 125 will receive it on all applicable STAR POS and STAR Bill Payment Transactions. Keep in mind, as with all data elements, that other gateways may use this data element in other ways. Responses to Acquirers and advices to Issuers may not contain DE125 (for processors electing to receive it) for certain STAR switch-rejected transactions.
February 2011
214
0110, 0210
Optional
For acquirers on the STAR SE/W platforms, in certain cases and upon request, STAR can pass DE 126 in response messages.
Issuer
0110, 0210
Optional None
Processing Rules
February 2011
215
Optional
Issuer
Optional
For STAR Issuers, in certain cases and upon request, STAR can pass DE 127 in request messages.
Processing Rules
See the STAR ISO 8583 Gateway/Product Interface Guide, Chapter 7, Data Element 127: Acquirer Trace Data for additional information.
February 2011
216
February 2011
Chapter 5
217
February 2011
218
February 2011
219
February 2011
220
February 2011
221
February 2011
222
February 2011
Chapter 6
223
Format Options
ASCII/EBCDIC Table
Table 6.2: ASCII/EBCDIC Characters/Codes
dec 0 1 hex 0x00 0x01 binary 0000 0000 0000 0001 NUL SOH ASCII Null Start of Heading (CC) Start of Text (CC) End of Text (CC) End of Transmission (CC) Enquiry (CC) Acknowledge (CC) Bell Backspace (FE) Horizontal Tabulation (FE) NUL SOH EBCDIC Null Start of Heading
2 3 4
STX ETX PF
5 6 7 8 9
0000 0101 0000 0110 0000 0111 0000 1000 0000 1001
HT LC DEL
February 2011
224
11
0x0B
0000 1011
VT
Vertical Tabulation (FE) Form Feed (FE) Carriage Return (FE) Shift Out Shift In Data Link Escape (CC) Device Control 1 Device Control 2 Device Control 3 Device Control 4 Negative Acknowledge (CC) Synchronous Idle (CC) End of Transmission Block (CC) Cancel End of Medium Substitute Escape File Separator (IS)
VT
12 13
0x0C 0x0D
FF CR
FF CR
14 15 16
SO SI DLE
SO SI DLE
Shift Out Shift In Data Link Escape Device Control 1 Device Control 2 Tape Mark Restore New Line
17 18 19 20 21
0001 0001 0001 0010 0001 0011 0001 0100 0001 0101
22
0x16
0001 0110
SYN
BS
Backspace
23
0x17
0001 0111
ETB
IL
Idle
24 25 26 27 28
0001 1000 0001 1001 0001 1010 0001 1011 0001 1100
Cancel End of Medium Cursor Control Customer Use 1 Interchange File Separator Interchange Group Separator
29
0x1D
0001 1101
GS
IGS
February 2011
225
31
0x1F
0001 1111
US
IUS
32 33
0x20 0x21
SP !
DS SOS
34 35
0x22 0x23
" #
Quotation Mark Number Sign, Octothorp, pound Dollar Sign Percent Ampersand
FS
36 37 38
$ % &
BYP LF ETB
39 40 41 42 43 44 45
0010 0111 0010 1000 0010 1001 0010 1010 0010 1011 0010 1100 0010 1101
' ( ) * + , -
Apostrophe, Prime Left Parenthesis Right Parenthesis Asterisk, star Plus Sign Comma Hyphen, Minus Sign Period, Decimal Point, dot Slash, Virgule 0 1
ESC
SM CU2
ENQ
Enquiry
46
0x2E
0010 1110
ACK
Acknowledge
47 48 49
/ 0 1
BEL
Bell
February 2011
226
51 52 53 54 55
0011 0011 0011 0100 0011 0101 0011 0110 0011 0111
3 4 5 6 7
56 57 58 59 60 61
0011 1000 0011 1001 0011 1010 0011 1011 0011 1100 0011 1101
8 9 : ; < =
8 9 Colon Semicolon Less-than Sign Equal Sign CU3 DC4 NAK Customer Use 3 Device Control 4 Negative Acknowledge
62 63 64 65 66 67 68 69 70 71 72 73
0x3E 0x3F 0x40 0x41 0x42 0x43 0x44 0x45 0x46 0x47 0x48 0x49
0011 1110 0011 1111 0100 0000 0100 0001 0100 0010 0100 0011 0100 0100 0100 0101 0100 0110 0100 0111 0100 1000 0100 1001
> ? @ A B C D E F G H I
February 2011
227
76 77 78 79 80 81 82 83 84 85 86 87 88 89 90
0x4C 0x4D 0x4E 0x4F 0x50 0x51 0x52 0x53 0x54 0x55 0x56 0x57 0x58 0x59 0x5A
0100 1100 0100 1101 0100 1110 0100 1111 0101 0000 0101 0001 0101 0010 0101 0011 0101 0100 0101 0101 0101 0110 0101 0111 0101 1000 0101 1001 0101 1010
L M N O P Q R S T U V W X Y Z
L M N O P Q R S T U V W X Y Z
< ( +
&
Ampersand
Exclamation Point Dollar Sign Asterisk Right Parenthesis Semicolon Logical NOT
91 92 93
[ \ ]
$ * )
94 95
0x5E 0x5F
^ _
96
0x60
0110 0000
February 2011
228
110
0x6E
0110 1110
>
111 112 113 114 115 116 117 118 119 120 121
0x6F 0x70 0x71 0x72 0x73 0x74 0x75 0x76 0x77 0x78 0x79
0110 1111 0111 0000 0111 0001 0111 0010 0111 0011 0111 0100 0111 0101 0111 0110 0111 0111 0111 1000 0111 1001
o p q r s t u v w x y
o p q r s t u v w x y
February 2011
229
124 125
0x7C 0x7D
| }
@ '
0111 1110 0111 1111 1000 0000 1000 0001 1000 0010 1000 0011 1000 0100 1000 0101 1000 0110
~ DEL
= "
a b c d e f
a b c d e f
Index (FE) Next Line (FE) Start of Selected Area End of Selected Area Horizontal Tabulation Set (FE) Horizontal Tabulation with Justification (FE) Vertical Tabulation Set (FE) Partial Line Down (FE) Partial Line Up (FE) Reverse Index (FE)
135
0x87
1000 0111
ESA
136
0x88
1000 1000
HTS
137
0x89
1000 1001
HTJ
138
0x8A
1000 1010
VTS
139
0x8B
1000 1011
PLD
140 141
0x8C 0x8D
PLU RI
February 2011
230
143
0x8F
1000 1111
SS3
144
0x90
1001 0000
DCS
1001 0001 1001 0010 1001 0011 1001 0100 1001 0101 1001 0110
151
0x97
1001 0111
EPA
q r
q r
156
0x9C
1001 1100
ST
157
0x9D
1001 1101
OSC
158
0x9E
1001 1110
PM
159
0x9F
1001 1111
APC
160 161
0xA0 0xA1
February 2011
231
February 2011
232
February 2011
233
February 2011
234
February 2011
235
Example
To find the value of the check digit (X) using the example ABA 12210001X:
Finding the value of the check digit (X) - Modulus 10 Steps 1, 2, 3: Step 4: Step 5: 1 3 3 2 7 + 14 2 1 +2 1 3 +3 0 7 +0 0 1 +0 0 3 +0 1 7 +7 Number (FRD-ABA) 3-7-1 Weight Factors Sum of Products = 29
Next highest number to sum that is multiple of 10: 30 30 - 29 = 1 Mod 10 check digit = 1
February 2011
236
Luhn Formula
Used for computing a modulus 10 double-add-double check digit.
Luhn Formula Calculation Step 1: Double the value of alternate digits beginning with the first right-hand digit (low order). Add the individual digits that make up the products obtained in Step 1 to the unaffected digits in the original number. Subtract the total obtained in Step 2 from the next higher number ending in 0. This is the equivalent of calculating the tens complement of the low order digit (unit digit) of the total. If the total obtained in Step 2 is a number ending in zero (30, 40, etc.), the check digit is 0.
Step 2:
Step 3:
Example
To find the value of the check digit (X) using the example account number 4992 73 9871 X:
Finding the value of the check digit (X) - Luhn Formula Step 1: 4 9 2 18 Step: 2 Step 3: 4 + 1+8 + 9 9 2 2 4 +4 +7 7 3 2 6 +6 +9 9 8 2 16 + 1+6 +7 7 1 2 2 +2 = 64
February 2011
Chapter 7
237
February 2011
238
Optional (Issuer/Acquirer)
Table 7.2: ATM Optional Proc Codes
Description Cash Withdrawal from OTH Deposit to SAV Deposit to DDA Deposit to OTH Balance Inquiry from FND Balance Inquiry from OTH Account List Inquiry from SAV Account List Inquiry from DDA Account List Inquiry from CRD Account List Inquiry from OTH Account Balance Profile Transfer from OTH to SAV Transfer from OTH to DDA Transfer from OTH to CRD Transfer from OTH to OTH Transfer from SAV to SAV Transfer from SAV to OTH Transfer from DDA to OTH Transfer from DDA to DDA Transfer from CRD to OTH Transfer from SAV to CRD Transfer from DDA to CRD Transfer from CRD to DDA ISO Proc Code 01 09 00 21 00 10 21 00 20 21 00 09 31 00 00 31 09 00 35 10 00 35 20 00 35 30 00 35 09 00 39 00 00 40 09 10 40 09 20 40 09 30 40 09 09 40 10 10 40 10 09 40 20 09 40 20 20 40 30 09 40 10 30 40 20 30 40 30 20 Message 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx 02xx 0100, 0110 0100, 0110 0100, 0110 0100, 0110 02xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx 02xx, 04xx STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. Notes
February 2011
239
58 10 09
02xx, 04xx
58 20 30
02xx, 04xx
58 20 09
02xx, 04xx
58 30 30
02xx, 04xx
58 09 30
02xx, 04xx
58 30 09
02xx, 04xx
59 00 00 91 10 00 91 20 00 91 30 00 91 09 00
02xx, 04xx 0200, 0210 0200, 0210 0200, 0210 0200, 0210
STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only. STAR NE Platform only.
February 2011
240
Purchase Pre-authorization SAV Purchase Pre-authorization DDA Purchase Pre-authorization CRD Pre-authorized purchase completion FND Pre-authorized purchase completion SAV Pre-authorized purchase completion DDA Pre-authorized purchase completion CRD
00 10 00 00 20 00 00 30 00 00 00 00
00 10 00
022x, 042x
00 20 00
022x, 042x
00 30 00
022x, 042x
February 2011
241
Notes See STAR Network Operating Rules for restrictions on these processing codes. When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.
Merchandise Correction to SAV Merchandise Correction to DDA Merchandise Correction to CRD Balance Inquiry from FND
20 00 10 20 00 20 20 00 30 31 00 00
See STAR Network Operating Rules for restrictions on these processing codes.
See STAR Network Operating Rules for restrictions on these processing codes. When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.
Balance Inquiry from SAV Balance Inquiry from DDA Balance Inquiry from CRD
31 10 00
02xx
31 20 00
02xx
31 30 00
02xx
February 2011
242
50 10 00 50 20 00
50 30 00
02xx, 04xx
56 00 00
02xx
When the original transaction request was from funding, positions 3 and 4 (debit) or 5 and 6 (credit) may be modified by the Issuer in the 0110 and 0210 message response.
February 2011
243
00 00 00 00 00 00
Optional
Table 7.5: POS Optional Proc Codes
Description Purchase to OTH Purchase Pre-authorization to OTH Cash Withdrawal from FND (01xx not settled) Cash Advance (not settled) ISO Proc Code 00 09 00 00 09 00 Message 02xx, 04xx 01xx, 04xx Notes
01 00 00
01xx, 02xx, 04xx 01xx, 04xx Currently not supported in STAR (Visa-supported).
01 30 00
20 00 09 31 09 00
02xx, 04xx 02xx, 04xx Optional for financial institutions participating as Card-Issuer with Cirrus.
February 2011
Chapter 8
244
February 2011
245
February 2011
246
February 2011
247
February 2011
248
February 2011
249
February 2011
250
February 2011
251
February 2011
252
February 2011
253
February 2011
254
February 2011
255
February 2011
256
February 2011
257
February 2011
258
February 2011
259
February 2011
260
February 2011
261
February 2011
262
February 2011
263
February 2011
264
February 2011
265
4215 4225
February 2011
266
4814 4815
4816
February 2011
267
February 2011
268
5511
5521 5532 5533 5541 5542 5551 5561 5571 5592 5598 5599
5611 5621
February 2011
269
5814 5912
February 2011
270
February 2011
271
February 2011
272
6533 6534 6535 7011 7012 7032 7033 7210 7211 7216 7217 7221 7230 7251 7261 7273 7276 7277 7278 7296 7297 7298 7299
February 2011
273
7394 7395 7399 7511 7512 7513 7519 7523 7531 7534 7535 7538
February 2011
274
February 2011
275
7998 7999 8011 8021 8031 8041 8042 8043 8049 8071 8099 8111 8211 8241 8244 8249 8299 8351 8398 8641 8651 8661 8675 8699
February 2011
276
February 2011
277
February 2011
278
February 2011
279
February 2011
280
8675 7523 7512 7531 7535 5533 7538 5532 3423 3242 3053 3039
February 2011
281
3556 3764 3765 3502 3749 5940 3743 3620 5551 4457 5942 5192 7933
February 2011
282
February 2011
283
February 2011
284
3552 3736 3223 3562 3222 7333 5046 5139 3220 3219 3688 7379
February 2011
285
7372
5734 5045 3538 1771 3721 3689 5039 7392 7321 3061 1799 5977 4215 9211 3690 3529 3088 3822 3750 4411 3046 5950 3217
February 2011
286
February 2011
287
February 2011
288
February 2011
289
February 2011
290
February 2011
291
February 2011
292
February 2011
293
February 2011
294
3660 3082 3038 3810 3701 3055 3187 3568 3054 3624
February 2011
295
February 2011
296
3735 6011 6010 5611 5691 5137 3520 3622 3178 5051 3087 3661 3023 3730 3613 3175 3699 3085 3741 3439
February 2011
297
5499
5399 5719 2741 7699 3572 5271 6534 4829 3676 3700 7829 7832 4214
February 2011
298
February 2011
299
February 2011
300
February 2011
301
February 2011
302
February 2011
303
February 2011
304
February 2011
305
February 2011
306
February 2011
307
February 2011
308
February 2011
309
Description
February 2011
Chapter 9
310
03 04 05 06
07 08
Processed as an approval. Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules.
09
Request in progress
Used for Network Management messages (08xx). Valid for POS transaction repsonses (provided the aquiring network supports partial amount approvals).
10
11
Processed as an approval. Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules.
12 13 14
Invalid transaction Invalid amount Invalid card number (no such number)
February 2011
311
Notes
Unsupported for STAR networks, may be used by other networks. Processing will be governed by other networks rules. Processed as an approval.
19 20 23 24
Re-enter transaction Invalid response Unacceptable transaction fee File update not supported by receiver Unable to locate record on file Used only for Negative File Updates (0312).
25
Negative File Updates (0312). Card Activation (0382). Negative File Updates (0312). Card Activation (0382).
26
27
Used only for Negative File Updates (0312). Used only for Negative File Updates (0312).
28
29
February 2011
312
Notes The STAR Switch will return a Response Code 30 in its 0110/0210 reply to an acquirer when the request fails to pass required STAR edits. The field number in error will be provided in DE 044, Additional Response Data. The transaction will be logged as an exception so will not appear in user files or reports. The STAR Switch will send a 0420 reversal with a Response Code 30 to an issuer when the 0110/0210 response fails to pass required STAR edits. If an Issuer processor generates a Response Code 30, then ISO DE 044, Additional Response Data, is required.
31 33 34 35
Bank not supported by switch * Expired card (Capture) Suspected fraud (Capture) Card acceptor contact Acquirer (Capture) Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.
36 37
Restricted card (Capture) Card acceptor, call Acquirer security (Capture) Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.
38
Allowable PIN tries exceeded (Capture) No credit account Requested function not supported Lost card, fraud (Capture) No universal account Stolen card (Capture)
39 40 41 42 43
February 2011
313
58
59 60
61 62 63 65 66
Exceeds withdrawal amount limit Restricted card Security violation Exceeds withdrawal frequency limit Card acceptor call Acquirer's security department Unsupported for STARnetwork, may be used by other networks. Processing will be governed by other networks rules.
67 68
Hard capture Late Response Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.
75
February 2011
314
Notes May appear as an 05 on Settlement Reports. Used for Network Management messages (08xx). STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR to do so.
78 80 81
Cardholder not eligible for POS Private use (Stale dated transaction) Issuer not available to authorize
STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR Network to do so.
82
Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules. Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules. Unsupported for STAR network, may be used by other networks. Processing will be governed by other networks rules.
84
86
87 88 89
February 2011
315
Notes
Cutoff in progress
STAR NE Platform:
Track 2 STAR NE Platform: STAR will stand-in for Issuer if option is set at STAR to do so.
91
Issuer inoperative
92 93
FI cannot be found for routing * Transaction cannot be completed, violation of law Duplication transmission Reconcile error System malfunction Used for Network Management messages. STAR NE Platform only.
94 95 96
98
Card Validation failure (CVC2/CVV2) - Trackless Transactions Card Validation failure (CVC3/CVV3) Invalid voucher ID Invalid authorization number Phone card approved Phone card denied CVC3/dCVV failure Unmatched voucher information Expiration date mismatch - no capture Inactive Card Expiration date mismatch capture card
99 A1 A2 AM PF R4 S7 S9
STAR NE Platform only. STAR SE/W Platform only. STAR SE/W Platform only. STAR NE Platform only. STAR NE Platform only. STAR SE/W Platform only. STAR SE/W Platform only.
SA SB
February 2011
316
* These codes are those for which the Acquirer Processor will receive no interchange fee and the Card-Issuer Processor will not be charged an interchange fee or a Switch fee. The no-fee designation applies only to STAR SE/W transactions when the transaction is denied by the STAR Switch. Transactions rejected by the STAR Switch can be identified by the acquirer based upon there being a value of N or 'S' in Authorization Response Code (DE 038) of the 0110/0210 response message.
February 2011
Chapter 10
317
Balances: Used to provide varying balance and credit line amounts. Required for balance inquiry responses; optional in responses to other transaction types. Deposits: Used to support verified and unverified, cashed check and cash deposits (Amount Types 92, 93, 94, and 95). Partial Amount Authorization:
For PIN-based POS pre-authorization transactions for Processors using the original partial authorization methodology, this data element is used in 0110 responses to convey the authorized amount (Amount Type = 58). For all stand-alone POS purchase transactions, and for POS pre-authorization transactions for Processors using the new partial authorization methodology, this data element is used in 0110/0210 responses to convey the amount of the original request (Amount Type = '91').
Point of Banking: Used to convey the composition of a deposit for a POB deposit (Amount Types 42 and 43). POS Cash Back Support: Amount of cash given to customer required if cash back is given. If POS is only used for cash back, the entire amount of the transaction must be represented as cash in DE 054 (Amount Type = 40). Pre-authorized Amount Completion: For a PIN-based POS pre-authorized transaction completion, this data element is used in the 022x completion to convey the original authorized amount from the 0110 message (Amount Type = 57). Quasi-cash and Scrip: Acquirer processors who sell items that can be negotiable for cash (money orders, postal orders, gaming chips, POS scrip, etc.), must present the total dollar amount of the negotiable items (as conveyed in DE 004) in DE 054. Amount Type in DE 054 must be set to 40 (cash back). This must be present in all request, advice, and reversal messages.
February 2011
318
STARrecommends that Card-Issuer Processors return either a ledger or available account balance. Card-Issuer Processors shall not transmit through the STAR Network any positive Available Balance or POS Balance that includes amounts available through an overdraft protection program, other than a line of credit that is subject to Regulation Z, in response to an Authorization request for a Balance Inquiry or for any other purpose. STAR Card-Issuer Processors may return negative account balance information. STAR Acquirer Processors have the option to print or display the negative value or change this to a zero balance. STAR Acquirer Processors are only required to print or display one balance on a withdrawal or balance inquiry transaction. STAR POS Acquirer Processors are not allowed to display or print balances on purchase transactions. STAR Acquirer Processors that receive approvals (DE 039 response code 00) should not override (disallow) the withdrawal or purchase based upon balances received in DE 054.
February 2011
319
For either methodology Response Code (DE 039) must be set to '10'. A Card-Issuer Processor must not return a partial authorization response if the available balance or available limit is:
If zeros or a negative partial authorization amount is transmitted in the response, the transaction response code will be changed to a '13' (invalid amount) response code.
STAR NE Platform
On a pre-authorization reply (0110) or purchase reply (0210) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, the STAR NE POS Card-Issuer Processor should return the available balance or available limit in DE 054 using Amount Type '58'. Response Code (DE 039) must be set to '10'. A Card-Issuer Processor must not return Amount Type '58' in DE 054 if the available balance or available limit is:
Automated Fuel Pump (AFD) preauthorization (DE 018 = 5542) in which the cardholder's balance is below the standard AFD floor limit. Visa Prestigious Properties preauthorization in which the cardholder's balance is below the authorization limit indicated by the Prestigious Properties Indicator in DE 127. For a description of this field refer to the section entitled "Visa Check: STAR NE Platform Format" in Chapter 7 of the STAR ISO 8583 Gateway Product Interface Guide. For either of these scenarios, the issuer may return a partial authorization with authorized amount greater than the requested amount and less than the indicated floor limit.
If zeros or a negative amount are transmitted in DE 054 using Amount Type '58' in a response for a lesser amount, the transaction response code will be changed to a '51' (not sufficient funds) response code.
February 2011
320
On a pre-authorization reply (0110) for a transaction for which sufficient funds are not available to accommodate the full transaction amount (DE 004) requested, STAR POS Card-Issuer Processor should return the available balance or available limit in DE 054 using Amount Type = 58. Response Code (DE 039) must be set to 10. A Card-Issuer Processor must not return Amount Type 58 in DE 054 if the available balance of available limit is:
If zeros or a negative amount are transmitted in DE 054 using Amount Type 58 in a response for a lesser amount, the transaction response code will be changed to a '13' (invalid amount) response code.
Account Type
Positions 1 and 2 of each amount give the ISO code that defines the Account Type: Table 10.1: Account Type
Value 00 10 20 30 09 Default Savings Account Checking Account Credit Account Other Account Description
February 2011
321
Amount Type
Positions 3 and 4 give the ISO code that defines the Amount Type: Table 10.2: Amount Type
Value 00 01 Description Unspecified Account Ledger Balance Account Available Balance Credit Line POS Balance Amount Remaining This Cycle Amount of Cash or Negotiable Items Given to the Customer (Cash Back) Message Types 0110, 0210 0110, 0210 STAR NE Comments STAR SE/W Comments
02
0110, 0210
16 17 20
40
Required if cash is given with transaction (cash back). Required if Negotiable Items (items that can be negotiable for cashe.g., money orders, postal orders, gaming chips and POS scrip) are given with the transaction. If the point of sale transaction is used only for cash or negotiable items, the entire amount of the transaction must be represented as Cash or Negotiable Items Given to the Customer. Amount (positions 8-20) must equal 004 Amount, Transaction. Fees, if any, should not be included. Not Available.
42
Check Amount
Used to support Point of Banking deposit transactions. Used to support Point of Banking deposit transactions.
43
Cash Amount
Not Available.
February 2011
322
58
Authorized Amount
0110, 0210
Used for POS pre-authorization and purchase transactions to convey the authorized amount.
91
0110, 0210
Not available
92
February 2011
323
Currency Code
Processors should query the currency code field in each occurrence of an additional amount, as occurrences with non-US values may be present.
February 2011
324
Amount
Positions 8-20 reflect the sign and the specific amount:
X + n12 X = sign indicator
nnnnnnnnnnnn = amount
For balances: positive or zero balance For fees: credit to the cardholder or issuer
For balances: negative balance For fees: debit to the cardholder or issuer
February 2011
Chapter 11
325
February 2011
326
Description
Pre-authorized purchase All Acquirer Processors who submit 022x transactions preceded by an approved 0100/0110 must set the present type as 88. Original present type information can be gained from the 0100/0110 message.
Description
Pre-authorized purchase All Acquirer Processors who submit 022x transactions preceded by an approved 0100/0110 must set the present type as 88. Original present type information can be gained from the 0100/0110 message.
February 2011
327
February 2011
328
February 2011
329
02 03
Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors are not allowed to generate these Terminal Types.
04 05
For Bill Payment transactions. Card-Issuer Processors must support this value. Card-Issuer Processors participating with American Express will receive this terminal type. This terminal type is not valid for STAR ATM or POS Acquirer Processors.
06
07 08
Fuel Machine POS Scrip machine POS Acquirer Processors must use terminal type of 08 when initiating a balance inquiry. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value.
09 10 11 12 13
Coupon machine Ticket machine Point of Banking terminal Teller Franchise teller
February 2011
330
14 15 16 17 18 19
STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value. STAR SE/W Acquirers may not send this value.
Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. For bill payment transactions. Card-Issuer Processors must support this value. Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways. STAR Acquirer Processors may not generate these terminal types. Not available on the STAR SE/W Platforms. For bill payment transactions. Card-Issuer Processors must support this value.
20
VRU unit
21
Mobile Banking
24
Screen Phone
25
Internet Terminal
February 2011
331
Notes Card-Issuer Processors may receive these terminal types on transactions acquired at participating links or gateways.
February 2011
332
0000000007 0010000007 0100000007 0110000007 1000000007 1010000007 1100000007 1110000007 0001104007 0101104007 0111104007 1101104007 1111104007 0001105007 0011105007 0101105007 0111105007 1001105007
0100000008 0110000008 1000000008 1010000008 1100000008 1110000008 0000004008 0010004008 0100004008 0110004008 1000004008 1010004008 1100004008 1110004008 0000005008 0010005008 0100005008 0110005008
Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Merch Auth Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal Resubmission Scrip Terminal
February 2011
333
1011104007
1010100025
February 2011
Chapter 12
334
2 3 4 5-8 9
February 2011
335
STAR Card Issuer Processors transmitting 0110 or 0210 responses that fail STAR Switch data element edits will receive a 0420 reversal message with a reversal reason code of 30
Advice Reason
In general, position 1 indicates who stood in for this transaction; Position 2 values indicate why the transaction stand-in occurred. Table 12.3: DE 060 Advice Reason Code Values Position 1
Value 0 1 2 3 4-8 9 Not an advice Card acceptor-originated advice Acquirer-originated advice Stand-in agent-originated advice (usually STAR switch-originated) Reserved Issuer-request stand in advice or STAR Transaction Services denial advice (STAR NE Platform only) Invalid ATC denial advice (STAR NE Platform only) Card Validation Threshold Service denial advice (STAR NE platform only). Foreign deposit advice (STAR NE Platform only) Description
A C D
February 2011
336
1-3
1-3
1-3 3 9 9 A D P C
8 9 1 2 T P D V
February 2011
Chapter 13
337
9 B 8
A A A B A B
February 2011
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values
338
Position 1 A A A A A A A A 2 2 3 4 5 6 7 X Q 3 Description Contactless All other merchant <$25. Contactless All other merchant <$25. Contactless All other merchant <$25. Contactless All other merchant >$25. Contactless All other merchant >$25. Contactless All other merchant >$25. Contactless Medical Merchant <$15 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants <$25 Contactless Grocery & Wholesale Club Merchants >$25 Contactless Grocery & Wholesale Club Merchants >$25
Interchange Group 1 2 3 1 2 3
February 2011
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values
339
Position 1 A 2 W 3 Description Contactless Grocery & Wholesale Club Merchants >$25 Contactless petroleum merchant <$25. Contactless petroleum merchant <$25. Contactless petroleum merchant <$25. Contactless petroleum merchant >$25. Contactless petroleum merchant >$25. Contactless petroleum merchant >$25. Contactless Quick service restaurant <$25. Contactless Quick service restaurant >$25. Contactless Small Ticket Merchant e-Commerce e-Commerce eCommerce Refund Emerging Bill Payment Emerging Bill Payment I Expedited Bill Payment
Interchange Group 3
A A A B B B A
8 9 0 A B C Z
1 2 3 1 2 3
A A A B 1 Z A
Y M N I
February 2011
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values
340
Position 1 B A X A H P C A N Y A 6 L K I 2 S C 2 J P 3 Description Funds Transfer Credit (PINned) Funds Transfer Debit Funds Transfer Debit Special Funds Transfer Debit (PINned) Grocery 1B (Target) Special Grocery and Wholesale Club Grocery and Wholesale Club Grocery and Wholesale Club Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Grocery and Wholesale Club - Special Interbank/Funds Transfer (credit side) Internet eSign Medical
Interchange Group
1 2 3 1 2 2 3 4
February 2011
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values
341
Position 1 A A 0 A A O R V T F G A E A B B A N M B O G 2 J K 3 Description Mobile Payments Mobile Payments Not Used - Value Concerns Online Refund Pay at Table Petroleum Petroleum Petroleum Petroleum - Special Petroleum - Special Petroleum - Special Pre-Paid Load Transaction Project Coronado Project Coronado - 2 Purchase (PINless) Purchase (PINless) with Preauthorization & Completion QSR Quick Service Restaurant E QSR Quick Service Restaurant - Special Reserved for Northeast Reserved for Northeast
Interchange Group
1 2 3 2
U B 4 5
February 2011
Chapter 13: Data Element 104: Transaction Description - Interchange Group Identifier Values
342
Position 1 3 7 W J B B A B L H L F 2 3 Description Small Ticket Special Bill Pay (sic 4900) Standard Bill Payment Standard Bill Payment Transaction History (PINless) Transaction Refund Verification Transaction WEB Micropayments
Interchange Group
February 2011
Chapter 14
343
POS payment transactions Account List Inquiry transactions Account Balance Profile transactions Enhanced Balance on Receipt
February 2011
344
LLLV AN185 Contains data in response to an Account List Inquiry message that lists cardholder accounts. Disposition Condition
0110
Conditional
Mandatory when processing code is 35 xx 00. Length 2 Field Message Occurrence Description Sequence number of this message. Total number of messages to complete the ABI request. Total number of items in all messages. Number of items in this message.
Position 1-2
3-4
5-7
8-9
February 2011
345
SS is the sequence number of the account. Valid values are 01 through 99. A value of 01 indicates that this is the primary account of the type indicated. 4-22 19 Account Description Data from the account.
The Data Detail segment can occur up to 8 times, totaling 176 bytes maximum. For all ALI transactions, at least one occurrence of the Detail segment must follow the Fixed segment, beginning in position 10 of DE 105. Because there may be several occurrences, the position numbers given above are relative to the segment.
February 2011
346
LLLV AN518 Contains data related to ATM Account Balance Profile requests on cardholder accounts. Disposition Condition
0200
Conditional
Mandatory for co-op processors when processing code is 39 xx 00. Mandatory when processing code is 39 xx 00.
0210
Conditional
Format Fixed Segment Position 1-2 Length 2 Field Number of Items Description Number of items in this message. Valid values are any in the range 01 through 12.
Data Detail Segment (Segment may repeat. Position 1 Length 1 Field Balance 1 Indicator Description A code indicating whether Balance Amount that immediately follows is to be printed. Values:
February 2011
347
12-20
Balance 2 Amount
February 2011
348
SS is the sequence number of the account. Valid values are 01 through 99. A value of 01 indicates that this is the primary account of the type indicated. 24-42 19 Account Number The cardholder account number. The cardholder account type.
43
Account Type
Processing Rules
For processors supporting packed numeric fields: Because the data for this transaction may exceed 255 bytes, if the numeric packing option is enabled, the variable length indicator for DE 105 (for this transaction only) will be 2-byte binary rather than the standard 1-byte binary.
February 2011
349
The Data Detail segment can occur up to 12 times, totaling 516 bytes maximum. For ABP transactions, at least one occurrence of the Detail segment must follow the Fixed segment, beginning in position 3 of DE 105. Because there may be multiple occurrences, the position numbers given above are relative to the segment. The number of occurrences of the Detail segment must match the value specified in the Number of Items field in the Fixed segment. For requests to co-op processors, the Detail segment will contain the account numbers and qualifiers of the accounts for which balances are requested.
Disposition
Condition
020x
Optional
Required with Enhanced Balance feature, to indicate Issuer and ATM compatibility with the feature. Required with Enhanced Balance feature, to return the enhanced balance data. Name Foreign Language Indicator (1 an)
021x
Optional
Format
Position 1
Description Value = E (English) Sent in the 0200, must be echoed in the 0210 reply In the 0200, this position is the only one sent (element format is ANS-1)
February 2011
350
00 - 99 Cross references to database value for receipt message text 00 or spaces = text is not supported
4-15
$$$$$$$$$$$$DD (where DD = decimal) Label text identifying 1st Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 2nd Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 3rd Amount $$$$$$$$$$$$DD (where DD = decimal) Label text identifying 4th Amount
16-37
38-49
50-71
72-83
84-105
106-117
118-139
February 2011
351
Foreign language indicator must be echoed in the 0210 reply. If Receipt Text Indicator is returned as 00 or spaces in the 0210, Receipt Message Text will not be printed. If the Issuer populates the Receipt Text Indicator, and does not populate the new balance descriptor / amount fields, the standard balances (from DE 054) are displayed. Balance presentation must be contiguous. Balance Amount fields must have leading zeros. All balances provided must have a descriptor. Negative balance amounts are permitted. The negative sign is placed to the left of the negative balance amount. An example: -1234.99 Positive Balance Amount fields are up to 12 positions ($$$$$$$$$$DD). Negative Balance Amounts are up to 11 positions plus the negative sign (-$$$$$$$$$DD)
February 2011
Chapter 15
352
Statement Processing transactions covered in this chapter. MasterCard and/or Visa-issuer transactions see Chapter 9 of the STAR ISO 8583 Gateway/Product Interface Guide. STAR MasterCard Signature Debit transactions (Merchant Advice Codes) see Chapter 9 of the STAR ISO 8583 Gateway/Product Interface Guide.
Statement Processing
DE 121 for statement processing consists of segments that may or may not be present based on message and/or statement request type. The Statement Data Fixed Segment is required for statement request (0200) and reply (0210) messages. The Statement Reply Fixed Segment is required for reply messages. All other segments are conditional for reply messages only.
0200
Conditional
The original request indicates to the issuer the type of reply data the acquirer supports. In the request, if Header/Trailer Indicator (position 32) = Y, the header/trailer information may be supplied. In the request, the acquirer sets the field Message Type Qualifier and indicates the scope of data being requested.
February 2011
353
nnn = 229 Numeric packing option enabled nnn = 818 Numeric packing option disabled
0210
Conditional
Values
The Statement Data Fixed Segment must be echoed from the request message (except the account number, which must be in the reply from non-coop processors). The response data is broken into several segments, some of which may be repeated. See following sections for corresponding formats.
Processing Rules
Multiple 0210 reply messages may be required, depending on the amount of reply data to transmit. See the Reply Fixed Segment description for formatting reply message sequence number, total reply messages, etc. A single reply message may consist of full segments only. If inclusion of a segment exceeds the maximum data element length, the entire segment must be sent in the next reply message.
February 2011
354
Description/Values 101 = Checking 201 = Savings 301 = Credit 401 = Other Required in requests for coop processors. Required in replies for all processors.
4-22
19
Account Number
February 2011
355
ALL (note trailing space) = Issuer is to send all transactions posted since the last statement, up to the maximum value (currently 99). If there is more than the maximum number of transactions allowed per message, multiple replies will be required without the switch sending additional request messages. LAST = Issuer is to reply with the last nn transactions posted (positions 27-28).
February 2011
356
29 30
A = All transaction types C = Checks only D = Deposits only M = MAC/STAR transactions only
LAST05 M = Last 5 MAC/STAR transactions LAST05 C = Last 5 check transactions LAST05 D = Last 5 deposit transactions LAST10 A = Last 10 transactions LAST20 A = Last 20 transactions LAST20 C = Last 20 check transactions ALL 99 A = All transaction up to 99 occurrences
31
Language
32
Header/Trailer Indicator
Y = Yes N = No
February 2011
357
2-3
Message Occurrence
Sequence number of this message (01 through 99) in the reply; the value increments on each reply sent. Total number of messages to complete statement request. Total number of items in all messages. Number of items in this message.
4-5
Total Number of Messages Total Number of Items Number of Items Here Statement Composition
6-8 9-10 11
3 2 1
The subsequent segments present in the message must match this indicator.
February 2011
358
If numeric packing option is disabled, occurs up to 25 times (775 bytes maximum) If numeric packing option is enabled, occurs up to 6 times (186 bytes maximum)
At least one occurrence of the 31-byte Detail Segment described below must follow the replys fixed segment, beginning in position 44. Because there may be several occurrences, the position numbers given below are relative to the segment The Detail Segment(s) must be sent in a separate message they may not be present in the same message with the Header or Trailer segments. If Header and/or Trailer messages are included in the replies, then the Detail message(s) must follow the Header message and precede the Trailer message. Table 15.3: Reply Detail Segment Format
Pos 1-4 5-20 21-29 30-31 Len 4 16 9 2 Field Transaction Date Transaction Description Transaction Amount Debit/Credit Indicator MMDD Left-justified, space-filled Right-justified, zero-filled
Description/Values
CR = Credit DR = Debit
February 2011
359
3-72
70
Free-form Description
Left-justified, space-filled
3-72
70
Free-form Description
Left-justified, space-filled
February 2011
Chapter 16
360
Country/Currency/State Codes
Country/Currency Code
Table 16.1: ISO Country and Currency Codes
Country Codes Country or Entity Afghanistan Albania Algeria American Samoa Numeric 004 008 012 016 3-Digit Alpha AFG ALB DZA ASM 2-Digit Alpha AF AL DZ AS Currency Codes Currency Numeric 971 008 012 840 Code Alpha AFN ALL DZD USD ESP Andorra 020 AND AD 978 020 250 Angola 024 AGO AO 024 982 973 Anguilla Antarctica Antigua & Barbuda Argentina Armenia Aruba Australia Austria 660 010 028 032 051 533 036 040 AIA ATA ATG ARG ARM ABW AUS AUT AI AQ AG AR AM AW AU AT 951 EUR ADP FRF AON AOR AOA XCD Decimal Places 2 2 2 2 0 2 0 2 2 2 2 2
No universal currency 951 032 051 533 036 040 978 XCD ARS AMD AWG AUD ATS EUR AZN 2 2 2 2 2 2 2 2
Azerbaijan
031
AZE
AZ
944
February 2011
361
BW BV BR IO
2 2 2 2
092
VGB
VG
840
USD
BN BG BF BI
2 2 0 0
February 2011
362
CA CV KY CF
2 2 2 0
TD CL CN CX CC
0 2 2 2 2
170 174 178 184 188 191 192 196 203 180
COL COM COG COK CRI HRV CUB CYP CZE COD
CO KM CG CK CR HR CU CY CZ CD
170 174 976 554 188 191 192 978 203 976
COP KMF CDF NZD CRC HRK CUP EUR CZK CDF
2 0 2 2 2 2 2 2 2 2
208
DNK
DK
208
DKK
February 2011
363
242 246
FJI FIN
FJ FI
2 2 2 2 2 2
France
250
FRA
FR
250 978
France Metropolitan
249
FXX
FX
978
February 2011
364
978 Ghana Gibraltar Greece 288 292 300 GHA GIB GRC GH GI GR 936 292 300 978 Greenland Grenada Guadeloupe 304 308 312 GRL GRD GLP GL GD GP 208 951 250 978 Guam Guatemala Guinea Guinea Bissau Guyana 316 320 324 624 328 GUM GTM GIN GNB GUY GU GT GN GW GY 840 320 324 624 328
EUR GHS GIP GRD EUR DKK XCD FRF EUR USD GTQ GNF GWP GYD
2 2 2 0 2 2 2 2 2 2 2 0 2 2
February 2011
365
HN HK HU IS IN ID IR IQ IE
340 344 348 352 356 360 364 368 372 978
HNL HKD HUF ISK INR IDR IRR IQD IEP EUR ILS ITL EUR XOF
2 2 2 2 2 0 2 3 2 2 2 0 2 0
Israel Italy
376 380
ISR ITA
IL IT
Ivory Coast (Cote D'Ivoire) Jamaica Japan Jordan Kazakstan Kenya Kiribati
384
CIV
CI
952
JM JP JO KZ KE KI
2 0 3 2 2 2
February 2011
366
KR KW KG LA
0 3 2 2
LZ LB LS
2 2 2 2 2 3
430 434
LBR LBY
LR LY
430 434
LI LT LU
CHF LTL LUF EUR MOP MKD MGA MWK MYR MVR XOF EUR
2 2 0 2 2 2 2 2 2 2 0 2
MO MK MG MW MY MV ML MT
February 2011
367
February 2011
368
NO OM PK PW PS
2 3 2 2 2
591
PAN
PA
590 840
PAB USD PGK PYG PEN PHP NZD PLN PTE EUR USD QAR
2 2 2 0 2 2 2 2 0 2 2 2
Papua New Guinea Paraguay Peru Philippines Pitcairn Island Poland Portugal
PG PY PE PH PN PL PT
630 634
PRI QAT
PR QA
840 634
February 2011
369
February 2011
370
724
ESP
ES
724 978
0 2 2 2 2 2
Sri Lanka Sudan Suriname Svalbard & Jan Mayen Island Swaziland Sweden Switzerland Syrian Arab Republic Taiwan, Prov. of China Tajikistan Tanzania Thailand Timor-Leste Togo Tokelau
LK SD SR SJ
SZ SE CH SY
2 2 2 2
158
TWN
TW
901
TWD
TJ TZ TH TL TG TK
2 2 2 2 0 2
February 2011
371
TV UG UA AE
2 2 2 2
GB US UM
2 2 2
VI UY UZ VU VA
2 2 2 2 0 2 2 2 0
VE VN WF
February 2011
372
February 2011
373
State Codes
Table 16.2: State Codes
State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Colombia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Alpha AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS Numeric 01 02 04 05 06 08 09 10 11 12 13 15 16 17 18 19 20 21 22 23 24 25 26 27 28
February 2011
374
February 2011