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t r a n s a c t io n ( d o m e s t ic , r e g io n a l , o r in t e r r e g i o n a l) . Chapt er6,Fees and Char ges — D e s c r ib e s h o w B A S E I c a l c u l a t e s in t e r c h a n g e f e e s b e t w e e n is s u e r s a n d a c q u i r e r s , a n d t h e t r a n s a c t io n c h a r g e s p a i d b y m e m b e r s t o V i s a .

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o f t h e t r a n s a c t io n , a s w e l l a s v a r io u s f e e s a n d c h a r g e s ) , a n d t h e n d e l iv e r s it t o t h e d e s t in a t io n . T h e d e s t in a t io n u s e s t h is in f o r m a t io n t o p o s t t h e t r a n s a c t io n t o t h e c a r d h o ld e r ’s a c c o u n t o r r e c o n c i le a m e r c h a n t ’ s s e t t le m e n t p o s i t io n . B AS and th e the le g a

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I t s u p p o r t s a l l c a r d s ( V i s a , M a s t e r C a r d , A m e r ic a n E x p r e s s , e t c . ) a n d s e v e r a l n o n - c a r d p a y m e n t s e r v ic e s . B A S E I w il e d it , a s s e s s f e e s , a n d c r e a t e t h e n e c e s s a r y s e t t le m e n t in f o r m a t io n w it h o u t c o n s i d e r in g w h a t b r a n d n a m e t h e t r a n s a c t io n o c c u r r e d u n d e r . It a l s o p e r f o r m s p r o c e s s i n g b a s e d o n u n i q u e r u l e s e t s r e q u e s t e d b y m e m b e rs . • C o n t in u o u s C le a r in g a n d S e t t le m e n t P r o c e s s e s — B A S E I i s a t r a n s a c t io n e n g i n e t h a t is c o n t in u a l ly r u n n in g : c o l e c t in g f ile s , s t r ip p in g o u t r e c o r d s , c r e a t in g t r a il b a la n c e s a n d s e t t le m e n t p o s i t i o n s . A t a n y o n e t im e , it h a s u p w a r d s o f 2 0 0 c o l le c t io n f i le s o p e n a n d b e in g p r o c e s s e d . • E x t r a o r d i n a r y P o w e r a n d C a p a c i t y — B A S E I ’s r o l e a s a c o r e p r o c e s s i n g c o m p o n e n t m e a n s it m u s t r u n w it h 1 0 0 p e r c e n t r e l ia b i lit y w h i le it p r o c e s s e s a n a v e r a g e o f a b o u t 1 0 0 m il io n t r a n s a c t io n s p e r d a y ( 2 0 0 6 s t a t is t ic ) . I n a d d i t io n t o m e m b e r - t o - m e m b e r in t e r f a c e s , B A S E I a l s o s u p p o r t s e x c h a n g e / t r a n s p o r t o f d a t a f o r m a n y o t h e r V i s a s e r v i c e s , in t o t a l m a n a g i n g a n a v e r a g e o f 1 . 5 b i l io n r e c o r d s d a ily ( 2 0 0 6 s t a t is t ic ) .

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M er chant — B a t c h e s a n d t r a n s m it s t h e s a l e s d r a f t s ( a l s o k n o w n a s T C 0 5 s ) f o r t h a t d a y ’ s o r s h i f t ’ s c r e d it t r a n s a c t io n s e i t h e r t o it s b a n k ( t h e a c q u i r e r ) o r t o t h e b a n k ’ s p r o c e s s o r . A c q u i r i n g B a n k o r P r o c e s s o r — E d it s , f o r m a t s , a n d s e n d s t h e m e r c h a n t ’ s t r a n s a c t io n s e l e c t r o n ic a l ly a s in t e r c h a n g e f ile s t o a V is a N e t D a t a C e n t e r . T h e m e r c h a n t is a l s o r e i m b u r s e d , m in u s a t r a n s a c t io n f e e , b y t h e a c q u i r e r . V is a N e t I n t e r c h a n g e C e n t e r —

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t o g e t t o it s d e s t in a t io n , e t c . ) t h a t e l im in a t e s s i n g l e p o in t s o f f a i lu r e a n d e n a b le s it t o b e a v a i la b l e 2 4 h o u r s a d a y . D e p e n d i n g o n t h e r e g i o n , V i s a N e t s u p p o r t s a w id e v a r ie t y o f t r a n s a c t io n s , in c l u d in g : p u r c h a s e ; c a s h a n d b i l p a y m e n t t r a n s a c t io n s m a d e w it h a n y c a r d ; c a r d h o l d e r t r a n s f e r ; r e c u r r in g p a y m e n t t r a n s a c t io n s ; a n d A T M t r a n s a c t io n s f o r o t h e r n e t w o r k s s u c h a s P l u s . T h e s e t r a n s a c t io n s a r e p r o c e s s e d t h r o u g h V is a N e t ’ s a u t h o r iz a t io n ( V is a N e t I n t e g r a t e d P a y m e n t s y s t e m ) , c l e a r in g ( B A S E I ) , a n d s e t t le m e n t s e r v ic e s . T h e f lo w o f t h e s e r v ic e s , s h o w n in F i g u r e 1 - 2 is a s f o l lo w s . 1 . A u t h o r iz a t i o n — T h e p r o c e s s b y w h i c h a n i s s u e r a p p r o v e s o r d e c l in e s a c a r d h o l d e r ’ s t r a n s a c t io n b e f o r e a p u r c h a s e is f in a liz e d o r c a s h is d i s b u r s e d . 2 . C le a r in g — T h e p r o c e s s b y w h i c h V i s a c o l le c t s t r a n s a c t io n d a t a f r o m t h e a c q u i r e r , v a l u e s t h e t r a n s a c t io n , e n f o r c e s r is k s e r v i c e s , c a l c u l a t e s f e e s a n d c h a r g e s , a n d d e liv e r s t h e v a lid a t e d in fo r m a t io n t o t h e is s u e r f o r p o s t in g t o t h e c a r d h o ld e r ’s a c c o u n t . 3 . S e t t le m e n t — T h e p r o c e s s o f a c c u m u l a t in g a d v i c e s f r o m c l e a r i n g , d e t e r m in i n g e a c h m e m b e r s ’ n e t s e t t le m e n t p o s i t io n ( in o t h e r w o r d s , w h o o w e s w h a t t o w h o m ) , a n d in i t ia t in g th e e x c h a n g e o f fu n d s . Fi gur e 1- 2

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M e m b e r s c o n n e c t t o V i s a N e t b o t h f o r t r a n s a c t io n p r o c e s s i n g a n d f o r f ile d e l iv e r y . A m e m b e r c a n c o n n e c t t o a n y c o m b i n a t io n o f V i s a N e t s y s t e m s , b a s e d on thei r sy st em requi rem ent s and t h e i r p r o c e s s i n g c h o i c e s . M e m b e r s h a v e a n u m b e r o f c o n n e c t iv it y c h o i c e s t o lin k t o V i s a N e t .

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P o i n t (V A P ) — A V A P is a P C - b a s e d a c c e s s d e v ic e t h a t c o n n e c t s t h e c o m p u t e r in t h e m e m b e r ’ s p r o c e s s in g c e n t e r t o V i s a N e t . — E x t e n d e d A c c e s s s e r v e r s a r e lo c a t e d a t e n d p o i • E x te n d e d A c c e s s S e r v e r (E A S ) ( m o s t l y m e m b e r s a n d p r o c e s s o r s ) , o r i n V I C s , a n d a r e u s e d t o p r o v id e a s e c u r e , s i n g l e p o i n t o f c o n n e c t iv i t y t o V I C s , t h e D ir e c t E x c h a n g e n e t w o r k , a n d / o r V is a N e t D is t r ib u t e d P r o c e s s i n g S o l u t io n ( V D P S ) . E A S p e r f o r m s a u t h o r iz a t io n r o u t in g , f ile s t a g i n g a n d d e liv e r y s e r v i c e s , a n d p r o v i d e s e c u r e c o n n e c t iv i t y t o V is a N e t • D ir e c t E x c h a n g e ( D E X ) — B a s e d o n I n t e r n e t P r o t o c o l ( I P ) t e c h n o l o g i e s , D ir e c t E x c h a n p r o v i d e s V is a e n d p o i n t s w it h a s i n g le p o in t o f c o n n e c t iv i t y f o r f ile d e liv e r y , m e s s a g e r o u t in g , a n d in t e g r a t e d , w e b - b a s e d p a y m e n t a n d in f o r m a t io n s o l u t io n s e t s , d e liv e r e d o v e r m u l t ip l e cha nn el s. • C o n n e c t D ir e c t ( H o s t - t o - H o s t ) — C onnectD ir e c t p r o v id e s d i r e c t c o n n e c t io n t o t h e O p e r a t in g S y s t e m . 1 .2 .3

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s i n g c e n t e r s a n d t h e V I C s a r e c o n n e c t e d t o e a c h o t h e r t h r o u g h a p r iv a t e IP u n i c a t io n s n e t w o r k . T h i s w o r ld w id e d a t a c o m m u n i c a t io n s s y s t e m c o n t r o l le d b y b e r s a n d t h e V I C s f o r t r a n s a c t io n t r a f f ic . I t is a l s o u s e d t o p e r f o r m r e m o t e pr ovi de m aint ena nce and backup s e r v ic e s .

I n o v a n t h a s c o n t r a c t e d w i t h b o t h A T & T a n d M C I t o p r o v id e t e l e c o m m u n i c a t io n s b e t w e e n t h e v a r io u s p a r t s o f V i s a N e t s o if o n e p r o v i d e r e x p e r ie n c e s a s e r v ic e o u t a g e , t h e s y s t e m a u t o m a t ic a l y s h if t s t o t h e o t h e r p r o v i d e r.

1 .3

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in g p r o c e s s i n g c y c l e .

Edi t Package a l s o r e c e i v e s in c o m in g in t e r c h a n g e f r o m t h e V I C , p r e p a r e s t h e in t e r c h a n g e fo r f in a l p r o c e s s i n g b y t h e p r o c e s s i n g c e n t e r ’ s s y s t e m , a n d p r o d u c e s a u d i t t r a i l a n d e r r o r r e p o r t s . Po st -Ed v e n d VI C .Thi p o s t in g 1 .4 .3

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W r it t e n b y p r o c e s s in g c e n t e r p e r a n d p r o c e s s e s in c o m in be pr ocessed b y c a r d h o ld e r a n d e r p u r p o s e s , s u c h a s fra u d a n a

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n g e T r a n s a c t io n F i le s ( I T F s ) d i r e c t ly w it h B A S E I u s i n g a p p l ic a t io n . T h e C e n t r a l iz e d E d it in g A lt e r n a t iv e ( C E A ) a n d it s o p t io n a r e t w o in i t ia t iv e s t h a t e n a b l e e n d p o i n t s t o pr oce sses.

• C E A e n a b l e s e n d p o i n t s t o b u i ld o u t g o i n g in t e r c h a n g e a n d p r o c e s s w it h o u t u s i n g t h e E d i t P a c k a g e . En the Edi t Package fro m th e i r h o s t s y • T h e B y p a s s B u s i n e s s E d it s o p t io n w it h o u t u s i n g E d it P a c k a g e b u s i n e t o in c r e a s e e f f ic i e n c y a n d f a c i lit a t e F o r m o r e d e t a i ls a b o u t

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d p o in t s m a y in c r e a s e st em s. a l lo w s e n d p o i n t s t o b u s s e d it s . T h i s o p t io n p r e v e n t u a l m ig r a t io n t o

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C u r r e n t ly , V M L c a n o n l y b e u s e d b y e n d p o i n t s t h a t a r e n o t u t iliz in g t h e E d i t P a c k a g e o p t io n ( e n d p o i n t s m a y u s e t h e C E A o p t io n w it h V M L ) . F o r m o r e d e t a i ls a b o u t V M L , r e f e r t o t h e , t h e V M L M a r k u p L a n g u a g e F o rm a t s M ar k up Lang uag e (VM L) D ev el op erH andbook th e C D - R O M - b a s e d Vi s a M ar k- up Lang uag e (VM L) D at a T ool . 1 .4 .5

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C o n n e c t iv i t y S o f t w a r e A s n o t e d in S e c t io n 1 . 2 , V is a N e t O v e r v ie w m e m b e r s h a v e a n u m b e r o f c o n n e c t iv it y o p t io n s t o lin k t o V i s a N e t ( V A P , D E X , E x t e n d e d A c c e s s , C o n n e c t D ir e c t ) a n d e a c h h a s i t s o w n u n i q u e s o f t w a r e t o m a n a g e t h e t r a n s f e r o f f ile s . F o r e x a m p l e , a V A P i s a P C w it h V i s a - s u p p l ie d s o f t w a r e t h a t s u p p o r t s a n d m o n i t o r s t h e t r a n s f e r o f B A S E I f ile s t o a n d f r o m t h e V I C . A s p a r t o f in t e r c h a n g e f ile m a n a g e m e n t , t h e V A P s o f t w a r e d e t e c t s t r a n s m is s i o n e r r o r s , p e r f o r m s a u t o m a t e d e r r o r r e c o v e r y , a n d r e c o r d s B A S E I I f ile in f o r m a t io n a n d t r a n s m is s i o n - r e l a t e d m e s s a g e s . I t s p r o p r ie t a r y c o m m u n ic a t io n p r o t o c o l a n d c o m p r e s s i o n a l g o r it h m w it h C A S

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1. 5

E x t e n d e d A c c e s s S e r v e r w o r k s s im ila r ly t o t h e V A P b u t h a s m o r e s e c u r it y o p t io n s b u ilt in . It th i rd - p a rty s o f tw a r e to p r o v i d e s e r v ic e s s u c h a s T iv o l i ( T E C ) fe e d , w e b s e r v e r , d a ta b a s e , e n c r y p t io n /d e c r y p t io n , a n d a n a u d i t t r a i l. T h e - t h i r d p a r t y s o f t w a r e c o m e s p r e - in s t a l le d c o n f ig u r e d o n a n E A S e r v e r , a n d in c l u d e s a n in t u i t iv e , c o l o r - c o d e d g r a p h i c a l u s e r in t e r f a c e p r o v i d e s a c o n s o l id a t e d v i e w o f t h e m e m b e r ’ s m e s s a g i n g a n d f ile s e r v i c e a c t iv i t ie s . T h i s p o n e n t a l s o e m p l o y s a p r o p r ie t a r y c o m m u n i c a t io n p r o t o c o l a n d c o m p r e s s i o n a l g o r it h m C A S T r a n s p o r t S e r v ic e s ( T S A ) , e n s u r in g s p e e d a n d s e c u r it y o f p r o c e s s i n g , a s w e l l a s le s s e r r o r r e c o v e r y w it h o u t m e m b e r in t e r v e n t io n .

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n d S e t t le m e n t ( C A S ) p r o c le w a r e c a l le d t h e m a n a g e m e n t o f s e t t le m e n t e v e n t s , t w o r k in t e r f a c e . C A S a p p l ic a t io n s a r

g a m id d r in g , r t /n e

IC A T IO N S e s s is c o m p r is e d o f a s u it e o f a p p lic a t io n s , a ll A p p l ic a t io n P la t f o r m F a c i lit y ( A P F ) . A p p lic a t io n d a t a c o n s o l id a t io n f o r f ile e:

• R e a l - T i m e S e t t le m e n t I n t e r f a c e ( R S I ) S y s t e m , t h e c l e a r in g c o m p o n e n t f o r t h e V i s a N e t

• • •

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I n t e g r a t e d P a y m e n t ( V . I . P . ) s y s t e m , V is a ’ s m a i n t r a n s a c t io n p r o c e s s i n g s y s t e m . V . I . P . s h a r e s d a t a w it h C A S ( a k a B A S E I ) . A m a t r ix t h a t m a t c h e s B A S E I f ie l d s t o c o r r e s p o n d in g V . I . P . F i e l d s is p r o v i d e d in A p p e n d ix B , B A S E I t o V . I . P . F i e l d I n d e x . B a n k c a r d ( B C C ) , t h e c l e a r in g c o m p o n e n t f o r d u a l m e s s a g e s e r v ic e s . S e t t le m e n t M a n a g e r , t h e c o m p o n e n t t h a t m a n a g e s s e t t le m e n t e v e n t s ( t r ia l b a l a n c e s , s e t t le m e n t w in d o w c l o s u r e ) . V i s a N e t S e t t le m e n t S e r v i c e ( V S S ) a g g r e g a t e s s e t t le m e n t a d v i c e s r e c e i v e d f r o m t h e c l e a r in g c o m p o n e n t s in t o r e p o r t in g lin e s , s e t t le m e n t p o s i t io n s , a n d g e n e r a t in g w ir e in f o r m a t io n t o s e t t le m e n t a g e n t s . C o n s o l id a t o r , t h e c o m p o n e n t t h a t m e r g e s m u l t ip l e f ile s in t o a s i n g l e f ile f o r m e m b e r s t h a t a r e o n ly c a p a b le o f r e c e iv i n g a s i n g le f ile p e r d a ily c y c l e . T r a n s p o r t S e r v ic e s ( T S A ) , t h e d a t a m o v e m e n t c o m p o n e n t t h a t m a n a g e s t h e n e t w o r k (3 0 0 ses sions sim ul taneou sly ) and al lcent er to cent er dat a m ov em ent (4 0 ses sions s i m u lt a n e o u s l y ) .

T h e C le a r in g a n d S e t t le m e n t A r c h it e c t u r e d ia g r a m , F ig u r e 1 - 6 s h o w s t h e R S I s y s t e m p r o c e s s i n g , a n d d i s t r ib u t in g f in a n c i a l a n d n o n - f in a n c i a l t r a n s a c t io n d a t a a n d r e p o r t s b e t w e e n V i s a m e m b e r s a n d t h e i r p r o c e s s in g a g e n t s . T h e B A S E I S y s t e m a l s o p r o v id e s d e l i v e r y a n d

1 - 8



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S o f t w a r e D e s ig n F r o m a t e c h n i c a l s t a n d p o in t , c l e a r in g a n d s e t t l e m e n t ( C A S ) is c o m p o s e d o f a s u i t e o f m e s s a g e - b a s e d o n lin e a p p l ic a t io n s t h a t p e r f o r m s p e c i f ic p r o c e s s i n g f u n c t io n s . T h e A p p lic a t io n P la t f o r m F a c i lit y ( A P F ) p r o v i d e s t h e f o u n d a t io n f o r C A S a p p l ic a t io n s , ( w it h o n e im a g e o f t h e s o f t w a r e r u n n i n g a t e a c h o f t h e g l o b a l p r o c e s s i n g c e n t e r s ) , a s a c o o r d i n a t e d , d i s t r ib u t e d s e r v ic e . I n o t h e r w o r d s , e a c h V I C s t a n d s a l o n e b u t c e r t a i n e v e n t s , lik e t h e c l o s u r e o f a s e t t le m e n t w in d o w , a r e c o o r d i n a t e d a m o n g s t t h e m u s i n g t h e m e s s a g e f u n c t io n . B u i lt o n I B M o p e r a t in g s y s t e m t e c h n o l o g y , A P F is m id d l e w a r e t h a t e n a b l e s d a t a s t o r a g e , c o m p r e s s i o n , c o m m u n ic a t io n s , d a t a t r a n s f e r , n e t w o r k s u p p o r t , r e c o v e r y s e r v i c e s , a n d m o n it o r in g f o r t h e CAS


1 .6 .2

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e n t ( C A S ) is m o n it o r e d c o n n t e r fa c e th a t c a n b e u s e d ts (g r e e n w h e n th e s y s t e m d o w n ) t o q u i c k ly p i n p o i n t t h e it e s c a l a t e s .

t in u o u s l y u s i n g t h e to det ect sy st em pr is h e a l t h y , y e l lo w w n a t u r e a n d l o c a t io n

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Poi nt (VA P) — T h e A P F p l a t fo r m d i a l s o u t to t h e m a n d c o l le c t s t h e f ile s p e r d a i ly s c h e d u l e a s s p e c i f ie d b y t h e m e m b e r . Ext ended A c c e s s S e r v e r (E A S ) — E x t e n d e d A c c e s s p e r fo r m s s i m m o r e a d v a n c e d s e c u r it y f u n c t io n a l it y . V i s a G a t e w a y (a l s o k n o w n a s D ir e c t E x c h a n g e ) — The e x c h a n g e , s e n d in g t h e f ile s t o V i s a . C onnect D ir e c t ( a l s o k n o w n a s H o s t - t o - H o s t ) — T y p i c a l ly p r o c e s s o r s , w h o c o n n e c t d i r e c t ly t o M V S O p e r a t i n g S y s t e m a n d “ p u s h ” t h e i r d a t a Si ngl e M ess age Sys tem — S M S t r a n s a c t io n s g e n e r a t e a r e c o r d t o s e t t le m e n t s y s t e m .



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n in t e r c h a n g e f ile r e a c h e s B A S E II , t h a t is t h e la s t t im p o i n t o n , B A S E I i s s t r ip p i n g o u t r e c o r d s in d e p e n d e n t ly a n d p u m p i n g t h e m . It p r o c e s s e s t r a n s a c t io n b y t r a n s a c t io n , n o t b y f ile o r b a t c h . E a c h t r a n s a c t o u g h t h e c l e a r in g s y s t e m in a m a t t e r o f m il is e c o n d s ( 4 5 0 0 t r a n s a c t io n s a r e o n a v e r a g e ; p e a k c l e a r in g r a t e s c a n r e a c h 1 4 , 0 0 0 t r a n s a c t io n s p e r s e c o n d . ) le a r in g s y s t e m c l e a r s a t r a n s a c t io n a s f o l lo w s :

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— T h e c l e a r in g D e t e r m in e s S e t t le m e n t S e r v ic e u s e ( o n e in t e r n a t io n a l a n d 8 5 n a t io n a l , a r e a , a n d p r o d u c t s e t t le m u s e d , a n d t h e t im in g o f t h e s e t t le m e n t . M e m b e r s c a n r e q u e s t o r a l lo w t h e s y s t e m t o c h o o s e t h e m o s t a p p r o p r ia t e s e t t le m e n t C al cul at es the Tr ansact p a y s a n o t h e r: fo r p u rc h a t h e is s u e r p a y s t h e a c q u pr odu ct , kind of car d bei

14

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io n ’ s F e e s a n d C h a r s e t r a n s a c t io n s , t h e ir e r . R e g i o n s s e t t h e n g u s e d , s e t t le m e n t

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• S e t t le m e n t r e c o r d s f o r V i s a N e t S e t t le m e n t S y s t e m . ( S e e b e l o w f o r m o r e in f o r m a t io n o n VisaNet

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and how s h o w in g nk. (S ee S e r v ic e s ,

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e n t r e c o r d s ( IN P A s ) p r o d u c e d e n d p o i n t in t h e c u r r e n c y t h e e n d p o i n t s w it h d i f f e r e n t c u r r e n r o s , w h i le G lo b a l b a n k U S w a n

by B AS E I t o cal cul at e one net end poi nt has requ est ed. For c y r e q u ir e m e n t s : G lo b a l b a n k t s it s p o s i t io n in d o l a r s .

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T r e a s u r y S e t t le m e n t A c t iv i t ie s T h e V is a T r e a s V i s a ’ s m e m b e r s ( v ia 2 ) p a y w h a t th e y o w c a l c u l a t in g t o p r o v i d e

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a g e m e n t d e p a r t m e n t u s e s t h e n e t p o s it io n a m o u n t s t o e n s u r e t h a t tra n s f e r e n d p o i n t s ) a r e : 1 ) p a i d w h a t th e y a r e o w e d , a n d ; V i s a a d d s t o s e t t le m e n t is h a n d l in g a l l t h e p r o c e s s i n g a n d b e r w it h a s i n g l e n e t s e t t le m e n t p o s i t io n .

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T r e a s u r y s e n d s f u n d s w ir e in s t r u c t io n s t o :

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b a n k s r e c e i v e s e t t le m e n t w ir e s w it h f u n d s t r a n s f e r in s t r u c t io n s . (S ee Fi gur e 2 -5 ). • M e m b e r s t h a t o w e m o n e y f o r t r a n s a c t io n s — m e m b e r s r e c e i v e r e q u e s t s f o r f u n d s . • M e m b e r s t h a t a r e o w e d m o n e y — m e m b e r s a r e in f o r m e d h o w m u c h t h e y a r e o w e d . Fi gur e 2- 5

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T h e s e t t le m e n t b a n k in it ia t e s a n d a d m in is t e r s t h e a c t u a l c o lle c t io n o f t h e o w e d f u n d s a s f o llo w s : 1 . T h e s e t t le m e n t b a n k ( c u r r e n t ly C h a s e a n d t h e B a n k o f A m e r ic a ) s e n d s t h e m e m b e r t h a t o w e s t h e m o n e y ( t y p i c a l ly t h e is s u e r ) a w ir e , in s t r u c t in g t h e m t o p a y t h e n e t s e t t le m e n t am ount :

• U S m e m b e r s r e c e i v e t h e ir in i t ia l in s t r u c t io n s v i a a F e d e r a l R e s e r v e w ir e . • M e m b e r s o u t s i d e t h e U S r e c e i v e a G l o b a l w ir e ( A K A S w i f t o r T e l e x w ir e ) . 2 . The m w ir e 3 . Vi sa’ s s e t t le m T h ro to the account B il in g 2 .4 .3

em ber t o V is a ’ s T reasur y entam

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u g h o u t th e paym ent s,an d s. W hen a m sy st em to asses

d a y, p o s t in g em ber s la t e

s e t t le m e n t b a n k t r a n s f e r t h e a m o u n t s p e c i f ie d b y t h e nt . t m e n t in s t r u c t s t h e s e t t le m e n t b a n k s t o p a y o u t t h e b e r s th a t a r e o w e d m o n e y .

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r e a s u r y p e r f o r m s r e c o n c ilia t io n , m a t c h in g t h e f u n d s r e q u e s t e d e e s a n d c h a r g e s t o t h e a p p r o p r ia t e G e n e r a l L e d g e r p a y o n t im e , V i s a T r e a s u r y in t e r a c t s w it h t h e I n t e g r a t e d fe e s .

S e t t le m e n t T i m in g V i s a s e t t le s w it h it s m e m b e r s o n a d a ily b a s i s p e r s e t t le m e n t s e r v i c e . V i s a s u p p o r t s d i f f e r in g s e t t le m w in d o s e t t le m m em

14

Ap r 20 07

e n t t im e s w ( t h a t is , a ent occur s ber s of ot her


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t s e t t le m e n t s e r v i c e s . A l s e t im e w h e n s e t t le m e n t o c c u r . P a c i f ic t im e ( r e g a r d l e s s o f s e r v ic e s c a n d e s i g n a t e t h e

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s e r v i c e s s h o u ld c l o s e . C u r r e n t ly , m e m b e r s o f o t h e r s e t t le m e n t s e r v i c e s h a v e s p e c i f ie d s i x u n i q u e s e t t le m e n t w in d o w s . In t h e U S , t h e hour s,and out agr eem ent of accom m odat e a t r a n s a c t io n

f u n d s t o s e t t le a r e t r a n s f e r r e d a n d r e c e i v e d b y t h e a c q u i r in g b a n k w it h i n 2 4 s i d e t h e U S w it h i n 4 8 h o u r s . H o w e v e r , s e t t le m e n t is s o m e t im e s p o s t p o n e d b y t h e in v o l v e d m e m b e r s , s u c h a s d u r in g c h a n g e s in c u r r e n c y v a l u a t i o n o r t o c u l t u r a l c h o i c e s . F o r e x a m p l e , in J a p a n s e t t le m e n t c a n o c c u r s i x m o n t h s a f t e r is c l e a r e d .

S e t t le m e n t r e p o r t s a r e r u n a n d t r a n s m it t e d d u r in g t h e n i g h t s o t h a t t h e s e t t le m e n t in f o r m a t io n is a v a i la b l e t o m e m b e r s a t t h e b e g i n n in g o f t h e i r b u s i n e s s d a y . W h e n w ir e in s t r u c t io n s a r e s e n t o u t , t h e “ v a l u e d a t e ” o n t h e w ir e i s t h e d a t e t h e m e m b e r i s s u p p o s e d t o p a y ( 1 d a y f o r c o u n t r ie s t h a t s e t t le u s i n g t h e U S d o l a r , 2 d a y s f o r c o u n t r ie s t h a t s e t t le u s i n g o t h e r c u r r e n c i e s ) . 2 .4 .4

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I n t h e c a s e o f N a t io n a l N e t S e t t le m e n t , w h e r e m e m b e r b a n k s w it h i n a s i n g l e c o u n t r y , s u c h a s J apan, handl e the ex change o f s e t t l e m e n t m o n i e s b e t w e e n t h e m s e l v e s , V S S d e t e r m in e s t h e i r p o s i t io n s a n d t r a n s m it s t h e ir s e t t le m e n t in f o r m a t io n a t t h e t im e t h e y h a v e s p e c i f ie d . For exam pl e, a p o s i t io n s b e d e t requ est ed and ne tw or k use s t h e in v o l v e m e n


2 - 6


c o u n t r y p a r t ic i p a t in g in N a t io n a l N e r m i n e d a t 4 a . m . t h e i r t im e . V S t r a n s m it s t h e s e t t le m e n t r e p o r t s . t h e in f o r m a t io n t o p e r f o r m s e t t le m t of Vi sa’ s T reasu ry de pa rtm en t.


e t s e t t le m e n t r e q u e s t s t h a t S c a l c u l a t e s t h e p o s i t io n s a t T h e c o u n t r y ’ s N a t io n a l N e t e n t d i s t r ib u t io n s w it h i n t h e

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T h e is s u e r o r it s p r o c e s s o r r e v ie w s t h e c le a r in g b a t c h e s , r e m o v e s t h e h o ld f r o m f u n d s , a n d p o s t s t h e a m o u n t o f t h e t r a n s a c t io n t o t h e c a r d h o ld e r ’ s a c c o u n t .

t h e c a r d h o ld e r ’s

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14

Ap r 20 07


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O n e o f B A S E I I ’ s m a j o r f u n c t io n s is in t e r c h a n g e p r o c e s s i n g , t h e e t r a n s a c t io n d a t a b e t w e e n V i s a ’ s a c q u ir e r s a n d is s u e r s . —

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m em ber pr oces sing cent er s to the VI C .

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A b o u t 6 0 % o f t h e t r a n s a c t io n s f lo w in g t h r o u g h V is a N e t a r e f in a n c ia l w h ile t h e o t h e r 4 0 % a r e n o n - f in a n c i a l . B A S E I h a n d le s t h e e x c h a n g e a n d t r a n s p o r t o f in f o r m a t io n f o r m a n y V i s a s e r v i c e s , s u p p o r t in g t h e f o l lo w in g t y p e s o f f in a n c i a l a n d n o n - f in a n c i a l in t e r c h a n g e : O r i g in a ls in c l u d e p u r c h a s e s , c r e d it v o u c h e r s is s u e d a f t e r t h e r e t u r n o f m e r c h a n d is e , a n d c a s h d i s b u r s e m e n t s , o r ig i n a l c r e d it s , a c c o u n t f u n d i n g , a n d s o m e f o r m s o f m o n e y t r a n s f e r . C har geb acks a r e t r a n s a c t io n s o r in f r a c t io n s o f p r o c e s s i n g r u le s . R e prese

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a r e t r a n s a c t io n s t h a t a r e r e s u b m it t e d t o t h e is s u e r ’ s p r o c e s s i n g c e n t e r .

n t a t io n s

R e v e r s a ls a r e t r a n s a c t io n s t h a t n e g a t e o r ig i n a ls , r e p r e s e n t a t io n s , o r c h a r g e b a c k s , c o r r e c t t r a n s a c t io n s t h a t w e r e d u p l ic a t e d in e r r o r . R e t u r n e d it e m s a r e t r a n s a c t io n s s e n t V I C e d it f u n c t io n d e t e c t e d e r r o r s .

in o r d e r t o g ni s s e c or P e g n a h cr te nI

b a c k t o t h e in i t ia t in g p r o c e s s i n g c e n t e r b e c a u s e t h e

R e c l a s s if ic a t io n a d v i c e s a r e n o t ic e s t o s e n d i n g m e m b e r s r e g a r d i n g t r a n s a c t io n s pr ocessed ( n o t r e t u r n e d ) b u t d i d n o t p e r f o r m a s a n t ic i p a t e d , a n d h o w t h e y d e v i a t e d f r o m e x p e c t a t io n . F e e c o l le c t io n s a n d f u n d s d i s b u r s e m e n t s m e m b e r , o r fr o m o n e m e m b e r t o a n o t h e r fo r a g r e e d - u p o n rew ards) .

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N o n - f in a n c i a l d a t a in c l u d e s f r a u d a d v i c e s , b a t c h a c k n o w le d g m e n t s , s e t t le m e n t d a t a a n d r e c o n c i lia t io n in f o r m a t io n , r e q u e s t s a n d c o n f ir m a t io n s o f o r ig i n a l s o r c o p i e s , f r e e - f o r m a t m e s s a g e s , V . I . P . a u t h o r iz a t io n a d v i c e r e c o r d s , in f o r m a t io n a l r e p o r t s , r e c l a s s i f ic a t io n a d v i c e s , and ot her dat a.

3. 2

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U s e d fo r fi llin g u p a b lo c k in a fil e .

T C 0 1 : R e t u r n e d C r e d it

G e n e r a t e d b y t h e B A S E II C le a r in g S y s t e m w h e n a m e m b e r s e n d s in a t r a n s a c t io n t h a t w o u ld r e s u l t in a c r e d it , b u t it f a i ls t h e s y s t e m e d it s b e c a u s e t h e r e is s o m e t h i n g w r o n g t r a n s a c t io n a s a T C 0 1 .

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T C 0 3 : R e tu rn e d N on -Fi na nci al T r a n s a c t io n

U s e d b y V i s a t o n o t if y a m e m b e r t h a t a t r a n s a c t io n f a i le d a n e d i t a n d is b e in g r e t u r n e d . N o n - f in a n c i a l t r a n s a c t io n s in c l u d e f r a u d a d v i c e s a n d I s s u e r ’ s C le a r in g h o u s e S e r v i c e ( IC S ) in p u t r e q u e s t s .

T C 0 4 : R e c la s s ifi c a t io n A d v ic e T r a n s a c t io n

U s e d b y V i s a t o n o t if y t h e m e m b e r t h a t a t r a n s a c t io n w a s r e c l a s s if ie d a n d d i d n o t r e c e i v e t h e f e e t h e m e m b e r t h o u g h t it w o u l d g e t .

T C 0 5 : S a le s D r a ft o r R epr esent m ent

S u b m it t e d b y a n a c q u i r e r , a T C 0 5 d e b i t s t h e c a r d h o l d e r f o r t h e p u r c h a s e o f g o o d s o r s e r v ic e s .

T C 0 6 : C r e d it V o u c h e r ( M e r c h a n d is e R e t u r n )

S u b m it t e d b y a n a c q u i r e r , t h e T C 0 6 is a c a r d h o ld e r - o r m e r c h a n t - in i t ia t e d c r e d it v o u c h e r , t y p i c a l ly f o r r e t u r n e d m e r c h a n d i s e .

T C 0 7 : C a s h D is b u r s e m e n t

T y p ic a lly a c a s h d is b u r s e m e n t fr o m a n A T M b u t c a n a ls o b e a m a n u a l c a s h d i s b u r s e m e n t fro m a b a n k , c r u i s e s h i p , h o t e l , o r o t h e r v e n d o r .

T C 1 0 : F e e C o lle c t io n

B a n k - t o - b a n k t r a n s a c t io n s o r V i s a - t o - b a n k t r a n s a c t io n s t h a t r e s u l t in a c r e d it t o t h e o r i g i n a t o r a n d a d e b i t t o t h e d e s t in a t i o n . U s e d b y V i s a t o s e t t l e f e e s s u c h a s m o n t h l y t r a n s a c t i o n c h a r g e s , q u a r t e r ly f e e s , a n d m e m b e r s h i p f e e s .

T C 1 5 : S a le s D r a ft C har geback

T h e r e s u lt o f a s a le s d r a ft t h a t w e n t fr o m t h e a c q u ir e r t o t h e is s u e r, b u t t h e is s u e r i s n o w s u b m i t t i n g a c h a r g e b a c k b e c a u s e s o m e t h i n g w a s w r o n g w it h t h e s a l e s d r a f t .

T C 1 6 : C r e d it V o u c h e r C har geback

T h e r e s u lt o f a c r e d it t r a n s a c t io n t h a t w e n t fr o m t h e a c q u ir e r t o t h e is s u e r, b u t t h e i s s u e r i s n o w s u b m it t i n g a c h a r g e b a c k f r o m t h e a c q u i r e r b e c a u s e the is s u e r w a s n o t a b l e t o p o s t t o t h e c a r d h o l d e r ’ s a c c o u n t .

T C 1 7 : C a s h D is b u r s e m e n t C har geback

T h e r e s u lt o f a c a s h d is b u r s e m e n t ( e it h e r A T M o r m a n u a l) t h a t w e n t fr o m t h e a c q u ir e r t o t h e i s s u e r , b u t t h e is s u e r is n o w s u b m it t i n g a c h a r g e b a c k from the acq ui rer .

T C 2 0 : F u n d s D is b u r s e m e n t

U s e d m e m b e r - t o - m e m b e r t o d i s t r ib u t e f u n d s , s u c h a s r e w a r d s f o r c a r d r e c o v e r y . T h e o r ig i n a t o r is d e b i t e d a n d t h e d e s t in a t io n is c r e d it e d .

T C 2 5 : S a le s D r a ft R ever sal

S u b m it t e d b y a n a c q u ir e r t o r e v e r s e t h e r e s u l t o f a p r o c e s s i n g e r r o r , s u c h t h e a c q u i r e r a c c i d e n t a l ly s e n d i n g t h r o u g h t h e o r ig i n a l s a le s d r a f t t w ic e .

T C 2 6 : C r e d it V o u c h e r R ever sal

S u b m it t e d b y a n a c q u i r e r t o r e v e r s e t h e r e s u l t o f a c r e d i t v o u c h e r p r o c e s s i n g e r r o r , s u c h a s a c a r d h o ld e r b e i n g c r e d i t e d t w ic e f o r t h e s a m e r e t u r n e d it e m .

T C 2 7 : C a s h D is b u r s e m e n t R e v e r s a l

S u b m it t e d b y a n a c q u i r e r t o r e v e r s e t h e r e s u l t o f a c a s h d i s b u r s e m e n t e r r o r , s u c h a s a n A T M t r a n s a c t io n t h a t w a s i n a d v e r t e n t ly s e n t t o V i s a t w ic e .


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c le a r in g s y s t e m w h e n a m e m b e r s e n d s in a t r a n s a c t io n it , b u t it f a i ls t h e s y s t e m e d i t s b e c a u s e t h e r e w a s t r a n s a c t io n . V i s a r e t u r n s t h e t r a n s a c t io n a s a e b it .

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T C 3 0 : IC S In p u t

U s e d b y is s u e r s t o s u b m i t c a r d a p p l ic a n t i n f o r m a t i o n t o V i s a , w h i c h f o r w a r d s it t o a t h i r d p a r t y ( I C S o r N A R S ) t o v e r if y t h e a p p l ic a n t ’ s c r e d it c a r d h i s t o r y a n d c r e d it in f o r m a t io n .

T C 3 1 : IC S R e s p o n s e T r a n s a c t io n F ile

U s e d b y e i t h e r I C S o r N A R S t o s e n d t o a n is s u i n g b a n k r e q u e s t e d c r e d i t h i s t o r y i n f o r m a t io n o n a V i s a c a r d a p p l i c a n t . I t i s s e n t i n r e s p o n s e t o a T C 3 0 .

T C

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3 2 :

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Request s and R esponses

m e r c h a n t s d u r in g t h e m e r c h a n t a c q u i s i t i o n p r o c e s s , a n d t o a d d t e r m i n a t e d m e r c h a n t s t o t h e d a t a b a s e . A l s o , t h e N M A S d a t a is r e t u r n e d u s i n g a T C 3 2 .

T C 3 3 : M u lt ip u r p o s e M e s s a g e T r a n s a c t io n s

U s e d b y V i s a t o s e n d a v a r i e t y o f n o n - f in a n c i a l m e s s a g e s t o m e m b e r s , in c l u d in g u p d a t e s t o t h e E d it P a c k a g e B I N t a b le s a n d I n t e r lin k r o u t in g t a b le s , e n r o l lm e n t in f o r m a t io n f o r V is a E x t r a s , a n d V i s a E x t r a D a i ly P o in t B a l a n c e s .

T C 3 5 : S a le s D r a ft C har geback R ever sal

R e v e r s e s a T C 1 5 S a l e s D r a f t C h a r g e b a c k , t y p i c a l ly b e c a u s e o f a d u p l ic a t e f i le . T h e is s u e r s e n d s t h e T C 3 5 t o t h e a c q u i r e r , r e q u e s t in g a r e v e r s a l .

T C 3 6 : C r e d it V o u c h e r C har geback R ever sal

R e v e r s e s a T C 1 6 C r e d i t V o u c h e r C h a r g e b a c k , t y p i c a l l y b e c a u s e o f a d u p l ic a t e f i le . T h e is s u e r s e n d s t h e T C 3 6 t o t h e a c q u i r e r , r e q u e s t in g a r e v e r s a l .

T C 3 7 : C a s h D is b u r s e m e n t C har geback R ever sal

R ev er ses a T C 17 Cash d u p li c a t e f i le . T h e is s u e r r e v e r s a l.

T S D A M

A u t o m a t ic a lly c r e a t e d in r e s p o n s e t o a T C 5 2 R e q u e s t fo r P h o t o c o p y o r S u b s t it u t e D r a f t t o o b t a i n a c o p y o f t h e o r ig i n a l s a l e s d r a f t s h o w in g c a r d h o l d e r ’ s s i g n a t u r e . A T C 3 8 is u s e d t o c o n v e y n o n - f u l f il m e n t a n d p i c k - lis t m e s s a g e s ( d e s c r ib i n g h o w t h e s a l e s d r a f t w a s f i le d ) , a s w e l l a s V i s a N e t D o c u m e n t a t i o n A u t o m a t io n S e r v i c e ( V D A S ) m e s s a g e s . T C 3 8 a d v i c e s a r e a l s o a u t o m a t ic a l ly c r e a t e d in r e s p o n s e to char gebacks (TC 1 5 , 1 6 , 1 7 ) and r e p r e s e n t m e n t s ( T C 0 5 , 0 6 , 0 7 u s a g e c o d e 2 ) ( V D A S a d v ic e s ) .

C 3 8 : e r v ic e /C h ocum ent u to m a es sa ge

C o p y R e q u e s t argeb ac k a t io n t io n S e r v ic e

D is b u r s e m e n t C h a r g e b a c k , t y p i c a l ly b e c a u s e o f a s e n d s t h e T C 3 7 t o t h e a c q u i r e r , r e q u e s t in g a

T C 3 9 : A u to m a te d C o p y F u llf il m e n t

G e n e r a t e d i n r e s p o n s e t o a T C 5 2 , i t p r o v id e s a n e l e c t r o n i c i m a g e o f t h e o r ig i n a l s a l e s d r a f t . S e n t o u t a f t e r t h e a u t o m a t ic a l ly g e n e r a t e d T C 3 8 .

T C 4 0 : F r a u d A d v ic e

S e r v e s a s a n e n v e lo p e fo r a n is s u e r o r a n a c q u ir e r t o r e p o r t fr a u d u le n t c a r d h o l d e r o r m e r c h a n t t r a n s a c t i o n s t o V is a ’ s F r a u d R e p o r t in g S y s t e m . I t is a l s o u s e d f o r i n c o m in g o p t i o n a l p r i n t i m a g e r e p o r t s t o m e m b e r s .

T C 4 2 : M e r c h a n t F ile U pda tes

S er v es as an envel ope u p d a t e in f o r m a t io n .

T C 4 4 : C o l le c t io n B a t c h A c k n o w le d g e m e n t

U s e d b y V i s a t o s e n d a m e m b e r i n f o r m a t io n a b o u t t h e b a t c h t h e y h a v e s u b m it t e d t o V i s a ( i. e . , b a t c h n u m b e r , n u m b e r o f t r a n s a c t io n s in t h e b a t c h , d o l la r a m o u n t o f t h e b a t c h , d i s p o s i t io n o f t h e b a t c h , e t c ) .

T C 4 5 : G e n e r a l D e liv e r y R epo rt

U sed by Vi sa to send S M S , fr a u d , e t c . ).

a v a r ie t y o f p r i n t a b l e r e p o r t s t o m e m b e r s ( s e t t l e m e n t ,

T C 4 6 : M e m b e r S e t t le m e n t D a t a

U s ed b y Vi s a to s end

s e t t le m e n t d a t a in m a c h i n e - r e a d a b l e f o r m a t t o V i s a .

T C

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fo r a c q u i re r s to re p o r t to V i s a re q u i re d m e r c h a n t

b y V i s a t o t r a n s m it a r e p o r t o n a u t h o r iz a t io n p r o c e s s i n g a c t iv i t y t o

a c q u ir e r s . U s e d b y V is a t o t r a n s m it t o m e m b e r s a r e p o r t o f o n lin e S t a n d - In P r o c e s s in g ( S T I P ) a u t h o r iz a t io n s p e r f o r m e d o n t h e ir b e h a lf b y V i s a .

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D e s c r ip t io n s ( c o n t in u e d )

D e s c r ip t io n U s e d b y V i s a a n d m e m b e r s t o s e n d a w id e v a r i e t y o f n o n - f in a n c i a l , u n f o r m a t t e d , t e x t m e s s a g e s . T C 5 0 s a r e u s e d h e a v i ly w it h c o m m e r c i a l c r e d i t c a r d s t o i n c l u d e a d d it io n a l d a t a t h a t i s t o o l a r g e t o b e i n c l u d e d i n t h e f in a n c i a l m e s s a g e .

F re e Te x t

T C 5 2 : R e q u e s t fo r P h o t o c o p y o r S u bsti tute D raf t

U sed to requesta copy re s p o n s e to th e T C 5 2 .

T C 5 4 : T a b le U p d a t e D at a

U s e d b y V i s a t o s e n d m e m b e r s a r e p l a c e m e n t c o p y o f B IN t a b l e s a n d a c c o u n t r a n g e d e f in i t io n t a b l e ( A R D E F ) r e c o r d s .

T C 5 5 : R C R F ( R e g io n a l C a r d R e c o v e r y F i le s U pda te)

A n e le c t r o n ic v e r s io n o f t h e C a r d R e c o v e r y B u lle t in , in fo r m in g m e m b e r s o f lo s t a n d s t o l e n c a r d s a n d b l o c k e d B I N s .

T C 5 6 : C onver sion U pda te

U s e d b y V i s a t o t r a n s m it d a ily u p d a t e s o f V i s a ’ s c u r r e n c y c o n v e r s i o n r a t e f ile t o t h e p r o c e s s i n g c e n t e r s o f s u b s c r ib i n g m e m b e r s .

C u rre n c y R at e

o f t h e o r ig i n a l s a l e s d r a f t . A T C 3 9

is g e n e r a t e d in

T C 5 7 : D a ta C a p tu re T r a n s a c t io n A d v ic e

U s e d b y V i s a t o s e n d a c q u i r e r s i n f o r m a t io n a b o u t a p a r t i c u l a r t r a n s a c t io n s o t h e y c a n s u b m it t h e t r a n s a c t i o n a s a s a l e s d r a f t .

T C 5 8 : N a t io n a l S e t t le m e n t A d v i c e

U s ed to s end in f o r m a t io n .

T C 5 9 : In t e r fa c e S e t t le m e n t A d v i c e

U s e d t o a d v i s e n o n - V i s a c a r d is s u e r s o f a t r a n s a c t i o n p r o c e s s e d b y a V i s a a c q u i r e r o r d a t a c a p t u r e p r o v i d e r.

T C 9 0 : F ile H e a d e r

T C 9 0 : F ile H e a d e r Id e n t if ie s w h e n a fi le w a s c r e a t e d a n d w h o c r e a t e d it .

T C 9 1 : B a t c h T r a ile r

S u m m a r iz e s w h a t is in a b a t c h : h o w m a n y r e c o r d s , h o w m a n y t r a n s a c t io n s , a h a s h t o t a l f o r a l l t h e a m o u n t s . U s e d b y V i s a t o v a l id a t e b a t c h e s .

T C 9 2 : F ile T r a ile r

S u m m a r iz e s w h a t is in a n e n t ir e fil e : h o w m a n y r e c o r d s , h o w t r a n s a c t io n s , a h a s h t o t a l f o r a l l t h e a m o u n t s . U s e d b y V i s a t o v a l id a t e t h e f i le .

T r a n s a c t io n C o m

ponent

A t r a n s a c t io n ofw hich cont ains 16 In t e r c h a n g e T r a n s a c t 2 0 ,0 0 0 T C R s p e r b a t Im a g e s . )

m e m b e r s i n N a t i o n a l S e t t le m e n t s e r v ic e s t h e i r s e t t l e m e n t

m a n y

R e c o r d s (T C R s )

is t y p ic a lly 8 b y te s o f d a t io n F i le s ( I T F s ) ch. (Ex am pl es

c o m p o s e d a . I t is r e c o m m c o n t a i n u p to o f r e c o r d s th a t

o f m u lt ip le e n d e d th a t b o t h 9 9 9 T C R s in a m a y re a c h th e s e

T r a n s a c t io n C o m p o n e n t R e c o r d s ( T C R s ) , e a c h O u t g o i n g a n d I n c o m in g b a t c h . T h e r e is a lim it o f li m it s a r e D o c u m e n t

T h e f ir s t T C R in a t r a n s a c t io n , T C R 0 , t e lls b a s ic in f o r m a t io n a b o u t t h e t r a n s a c t io n , s u c h a s w h a t t h e s o u r c e a n d d e s t in a t io n w e r e . T C R 0 is a m a n d a t o r y p a r t o f e v e r y t r a n s a c t i o n , b u t a l l t h e s u b s e q u e n t T C R s a r e o p t io n a l . T o d a y ’s d a t a - r ic h t r a n s a c t io n s c o n t a in a n a v e r a g e o f t w o - a n d - a - h a lf T C R s p e r t r a n s a c t io n . M o s t T C R s h a v e d e f in e d p u r p o s e s ( f o r e x a m p le , o n a T C 0 1 R e t u r n e d C r e d it t r a n s a c t io n , t h e T C R 9 w it h i n it c a r r ie s in f o r m a t io n a b o u t t h e o r ig i n a l t r a n s a c t io n a n d t h e r e a s o n it w a s r e t u r n e d ) .

3 - 4



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3 .3 .1 .1

f ile c o de ter m m b e r in au the nt

m e s in in e if t h i s the conf ic a t e s t h e

, t h e V IC r e a d is a v a l id e n d p o i n t ig u r a t io n ? D o e s t h i s lo g i c a l s o u r c e o f t h e

in t e r c h a n g e o f a f a i lu r e , r e d . If r e q u e pr ocessi ng

re f ile nt un

th e h e a d e r re c o rd c a m e fro m ( t h a t is , D o e s V is a r e c o g n iz e t h e p r o c e s s f o r t h i s B IN ? ) . In o t h e r ic a t io n .

d a t a is a c c e p t e d b y t h e V I C , it is p r o t e c t e d f r o m s y s t e m f a i lu r e . I n t h e h o w e v e r , t h e B A S E I I S y s t e m c a n r e s t a r t p r o c e s s i n g w h e r e t h e f a i lu r e s t e d , m e m b e r f ile s c a n a l s o b e r e b u ilt a n d d e liv e r e d e l e c t r o n ic a l ly b a c k cen ter .

O n - U s T r a n s a c t io n s O n - u s t r a n s a c t io n s

a r e t h o s e in f in a n c i a l in s t it u t io n . T h e s e t r a n s a c t io n s n o t r e q u i r e c l e a r in g o r s e t t li n g w it h a n o t h e r a r e a s o n f o r d o i n g s o ( f o r e x a m p l e , in c l

3 - 6

s w h e fo r th i s end poi com m

D a t a P r o t e c t io n

O nce event occur to the 3 .3 .1 .3

O u t g o in g I n t e r c h a n g e

E n d p o i n t A u t h e n t ic a t io n

W h e n a le v e l e d it t o end poi nt nu w or ds, Vi sa 3 .3 .1 .2

e I n f o r m a t io n



w h i c h th e c a r d h o l d e r a n d m a r e n o t u s u a l ly s e n t t h r o u m em ber , but they can be u s i o n in a V i s a s w e e p s t a k e

e r c h a n t a r e s e r v ic e d b y t h e s a m e g h B A S E II, s i n c e t h e y d o senti f the m em ber has p r o m o t io n ) . W it h o n - u s ,

1 4 A pr 2 0 0 7

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m e m b e r s m a k e in t e r n a l f in a n c i a l t r a n s f e r s b e t w e e n t r a n s a c t io n s im m e d ia t e l y t o t h e ir a c c o u n t s . 3 .3 .1 .4

In t r a - P r o c e s s o

In t h e U . S p u rp o s e s . the sam e in s t e a d o f 3 .3 .2

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.,

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r Tr an sacti on s i n t r a - p r o c e s s o r t r a n s a c t io n s

a r e r e q u i r e d t o b e s e n t t o B A S E I f o r r is k m a n a g e m I n t r a - p r o c e s s o r t r a n s a c t io n s in v o l v e t w o d i f f e r e n t m e m b e r s t h a t a r e s e r v i c e d b y p r o c e s s i n g c e n t e r . A s a n o p t io n , in t r a - p r o c e s s o r t r a n s a c t io n s m a y a l s o b e s e t t le d b e in g r e p o r t e d w it h o u t s e t t le m e n t .

ent

in g In t e r c h a n g e

T h e in c o m in g in t e r c h a n g e p r o c e s s b e g in s w h e n t h e V IC t r a n s m it s in t e r c h a n g e t o t h e c e n t e r ’s V A P , E A S , o r o t h e r c o n n e c t iv it y d e v i c e . D a t a is s e n t in t h e f o r m o f a n I n t e r c h a n g e T r a n s a c t io n F i le ( I T F ) , w h i c h is t r a n s f e r r e d t o t h e h o s t a n d t h e n p r o c e s s e d t h r o u g h t h e E d it P a c k a g e . I n c o m in g E d i t P a c k a g e f ile s t y p i c a l y c o n t a i n :

• • • • • •

F i n a n c i a l a n d n o n - f in a n c i a l in t e r c h a n g e t r a n s a c t io n s . S e t t le m e n t t o t a l s . B a t c h a c k n o w le d g m e n t s . B A S E I I s e t t le m e n t r e p o r t s . E d it P a c k a g e t a b le u p d a t e t r a n s a c t io n s . R o u t in g t a b le s .

D u r in g t h e in c o m in g p r o c e s s , t h e E d it P a c k a g e p r o d u c e s a C e n t e r T r a n s a c t io n F i le ( C T F ) c o n t a i n i n g a l l t h e in c o m in g t r a n s a c t io n s d e s t in e d f o r t h e m e m b e r s s e r v i c e d b y t h e p r o c e s s i n g c e n t e r . R e p o r t s f o r c o n t r o l a n d r e c o n c i lia t io n a r e a l s o p r o d u c e d .


14

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3 .4

P R O C E S S IN G

S c h e d u le

I n c o m in g I n t e r c h a n g e

SC HE DUL E

T h e B A S E II C le a r in g S y s t e m th r e e m a i n p h a s e s :

o p e r a t e s s e v e n d a y s a w e e k . E a c h d a ily c y c le c o n s is t s o f

C o lle c t i o n o f o u t g o i n g in t e r c h a n g e is t h e p r o c e s s o f c o l le c t in g B A S E I I in t e r c h a n g e f r o m a c r o s s t h e g l o b e ( r u n s s i m u l t a n e o u s l y w it h d e liv e r y ) . C o l le c t io n t im e s m u s t b e e s t a b lis h e d f o r B A S E I t o c o n n e c t w it h t h e m e m b e r ’ s V A P o r o t h e r c o n n e c t iv it y d e v i c e f o r in t e r c h a n g e . S o m e m e m b e r s d o n o t r e q u i r e c o l le c t io n t im e s ( i. e . , I n t e r n a l V is a P r o c e s s o r s ) . T o p r e v e n t f ile s f r o m b e i n g c o l le c t e d o r d e l i v e r e d o n a p a r t ic u l a r d a y o f t h e w e e k , t h e m e m b e r s e l e c t s t h a t d a y o f t h e w e e k f o r “ N o S c h e d u lin g A c t iv it y . ”

aD c c eo m l i v e rp ay n i e d o f b y i n c o r e c om n i n g c i l i a ti n ti o n e r c h r ae p n o g r e t d a i s t a t h e f o r p r t ho e c e c s l s e a o r f e d s e n a d n d i n g s e t i n tt l e ed r c h t a r na n s g a e c t t i o o n is t .s f Ai n l a l l d e s t i n a t i o n , p r o c e s s i n g c e n t e r s r e c e i v e a n in c o m i n g in t e r c h a n g e f il e s e v e n d a y s p e r w e e k . B A S E I a u t o m a t ic a l ly d e liv e r s p o s t s e t t le m e n t . D e l iv e r y t im e s a l lo w f o r t h e s c h e d u lin g o f e x t r a d e liv e r ie s ( s e e b e lo w ) in a d d i t io n t o t h e e n d o f t h e c y c le f ile .

3 - 8



1 4 A pr 2 0 0 7

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S e t t le m e n t is t h e p r o c e s s o f d e t e r m in i n g t h e v a l u e o f in t e r c h a n g e , in c l u d i n g a n y f e e s a n d c h a r g e s . T h e r e s u l t o f s e t t le m e n t is t h e m e m b e r ’ s n e t p o s i t io n f o r a g i v e n c y c l e . D u r in g t h i s p r o c e s s , s e t t le m e n t r e p o r t s a r e g e n e r a t e d . 3 .4 .1

C o l le c t io n

and

D e l iv e r y O p t io n s

I n a d d i t io n t o s t a n d a r d c o l le c t io n a n d d e liv e r y , t h e p r o c e s s i n g c e n t e r o f f e r s a n u m b e r c o l le c t io n a n d d e liv e r y o p t io n s . M u lt ip le C o lle c t i o n — T h i s o p t io n a l l o w s m e m b e r s t o s e n d o u t g o i n g in t e r c h a n g e m o r e t h a n o n c e d u r in g t h e c y c l e . B y a l lo w in g t r a n s a c t io n d a t a t o b e s p l it in t o m u l t ip l e f ile s t h a t a r e

c o l le c t e d a t d i f f e r e n t t im e s , p r o c e s s o r w o r k l o a d s a n d s c h e d u le s c a n D e liv e r y O p t i o n s — A m e m b e r , o r it s t h i r d - p a r t y p r o c e s s o r , d a t a d e liv e r e d b e f o r e s e t t le m e n t is c o m p l e t e d . N o r m a l ly , t r a n s a c t io n r e p o r t s a r e d e l iv e r e d s i m u l t a n e o u s l y . H o w e v e r , a m e m b e r m a y c h o o s advance, f o r e x a m p l e , in o r d e r t o a n t ic i p a t e v o l u m e o r t o d e t e r m in e w e r e r e j e c t e d . S o m e o f t h e d e l iv e r y o p t io n s a r e :

can

b e s i g n if ic a n t ly e a s e d .

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t r a n s a c t io n t in io n s

• S c h e d u le d D e l iv e r y

— T h e m e m b e r re c e i v e s th e i r d a t a th r o u g h th e B A S E I S y s te m a c c o r d i n g t o a p r e d e t e r m in e d s c h e d u l e t h a t b e s t m e e t s t h e i r n e e d s a n d p r o c e s s i n g s c h e d u l ( e . g . , s e n d w h a t h a s b e e n p r o c e s s e d s o fa r a t 3 p . m , 5 p . m ., e t c . ) . • D e l iv e r y B a s e d o n F i le S iz e — D a t a i s d e l iv e r e d t o t h e m e m b e r b a s e d o n v o l u m ( e . g . , s e n d f ile s a s s o o n a s a s o e c i f ie d n u m b e r a r e c o m p l e t e d ) . • E x p e d i t e d D e l iv e r y — T h i s o p t io n e n a b l e s im m e d i a t e d e l iv e r y o f s e l e c t e d C u s t o m D e l iv e r y f ile s , r e g a r d l e s s o f t h e n o r m a l d e liv e r y s c h e d u le ( e . g . , s e n d s e l e c t e d f ile s im m e d i a t e l y a f t e r c o l le c t io n a n d c l e a r in g o f t h e m h a s b e e n c o m p l e t e d ) . • C u s t o m iz e d In f o r m a t io n D e l iv e r y — T h i s o p t io n a l lo w s p r o c e s s o r s t o c u s t o m I I d e liv e r y f ile s t o a lis t o f p r e - d e f in e d f ile t y p e s . D e l iv e r in g s i m ila r t r a n s a c t io n s in o n e

e e pr oce s s ed iz e d

iz e t h e i r B A S E

in d iv i d u a l f ile p r o v i d e s f a s t e r a c c e s s t o c r it ic a l i n f o r m a t io n ( f o r e x a m p le , s e p a r a t in g f in a n c i a l t r a n s a c t io n s f r o m n o n - f in a n c i a l t r a n s a c t io n s ) . B A S E I s y s t e m p r o c e s s o r s m a y s e l e c t a s m a n y C u s t o m iz e d D e l iv e r y f ile t y p e s a s n e e d e d f r o m a lis t o f d o z e n s o f t y p e s ( e . g . , F i n a n c i a l , F r a u d , B a c k - O f f ic e , B A S E I a d v i c e s ) . • S p l it R o u t i n g — T h i s o p t io n a l lo w s B A S E I p r o c e s s o r s t o s e l e c t a l t e r n a t e B A S E I f ile d e liv e r y lo c a t io n s f o r c e r t a i n t r a n s a c t io n t y p e s . T h e C u s t o m iz e d D e l iv e r y S e r v i c e o r g a n iz e s d e liv e r y f ile s b y t r a n s a c t io n t y p e . W it h t h e S p l it R o u t in g S e r v i c e , p r o c e s s o r s c a n d e s i g n a t e d i f f e r e n t B A S E I I d e liv e r y lo c a t io n s b a s e d o n p a r t ic u l a r s e r v i c e s t h a t m a y b e lo c a t e d a t d i f f e r e n t pr oc essi n g ce nt er s. F o r in f o r m a t io n o n a l l t h e v a r io u s d e liv e r y o p t io n s , s e e t h e

14

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E x c e p t i o n P r o c e s s i n g i n c l u d e s t r a n s a c t i o n s t h a t d i s p u t e , r e v e r s e , a d ju s t , o r c o r r e c t " o r i g i n a l s . " T h e y c o n s is t o f a ll " n o n - o r ig in a ls " o f p u r c h a s e a n d c a s h d is b u r s e m e n t t r a n s a c t io n s a s w e ll a s a d m in is t r a t iv e , f ile m a i n t e n a n c e , f e e - r e la t e d , a n d r e c o n c i lia t io n t r a n s a c t io n s . A n o r ig i n a l

r e f e r s t o t h e o r ig i n a l s a l e s d r a f t o f a p u r c h a s e

r e f e r t o a l f o llo w - u p E x c e p t io n it e m p r o c e s s i n g is t r a n s a c t io n s . I t p r o v i d e s a m e a n s f o r m it e m s a r e f o l lo w - u p m e s s a g e s bet w een a r e s e n t e l e c t r o n ic a l ly , e x c e p t io n p r o c e s s i B A S E I , t h e r e a r e t w o w a y s t h i s is d o n e : N o n - o r ig i n a ls

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t r a n s a c t io n s in it ia t e d a f t e r t h e o r ig i n a l. a b a c k - o f f ic e f u n c t io n t h a t s u p p o r t s c r e d it a n d d e p o s i t a c c e s s e m b e r s t o c o r r e c t t r a n s a c t io n d i s c r e p a n c i e s . E x c e p t io n is s u e r s a n d a c q u i r e r s . A l t h o u g h e x c e p t io n m e s s a g e s n g r e q u i r e s t h e m a n u a l s u p p o r t o f m e m b e r s t a f f. In Ch ar gebac ks and R epr ese nt m ent s .

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t o t h e a c q u ir e r . T h e r e o n e s in c l u d e : c a r d e s p a r t ic ip a t in g in t h e t r a n s a c t io n , a n d f o u n d in t h e V is a

T h e r e a r e a n u m b e r o f w a y s a c h a r g e b a c k is in it ia t e d , d e p e n d in g o n t h e r e a s o n f o r t h e c h a r g e b a c k . T y p i c a l ly , it is t h e r e v e r s e o f a t r a n s a c t io n ; . t h e is s u e r s e n d s a m e s s a g e t o V i s a N e t s u b m it t in g a c h a r g e b a c k w it h a r e a s o n c o d e t h a t e x p l a i n s t h e t y p e o f c h a r g e b a c k b e i n g

g ni se c ro P n oi t p e cx E

s u b m it t e d . V is a N e t f o r w a r d s t h i s t o t h e a c q u i r e r f o r r e s o lu t io n . A n o t h e r m e t h o d o f in it ia t in g a c h a r g e b a c k t r a n s a O n l in e ( V R O L ) . V R O L is a s e r v i c e a v a i la b l e t o is s u e r s f o r in i t ia t in g a c h a c o n n e c t s t o t h e s e r v i c e t h r o u g h a n In t e r n e t c o n n e c t io n , e n t e r s t h e a n d t h e s y s t e m g o e s t o a d a t a b a s e a n d r e t r ie v e s t h e o r ig i n a l t r a n s a c t f ie l d s f o r t h e c h a r g e b a c k . A s t h e is s u e r e n t e r s t h e c h a r g e b a c k r e a s o n c h a r g e b a c k is e d it e d a g a in s t t h e o r ig i n a l t r a n s a c t io n . S e e t h e f o r m o r e in f o r m a t io n a b o u t V R O L .

c t io n is t h r o u g h a s e r v ic e c a lle d V is a R e s o lv e r g e b a c k . T h e is s u e r t r a n s a c t io n in f o r m a t io n , io n a n d p o p u l a t e s t h e c o d e s o n l in e , t h e B ASE

I I C le a r in g S y s t e m

S e r v ic e s

EXA M PL E A c a r d h o ld e r o r d e r s m e r c h a n d is e o v e r t h e In t e r n e t . T h e a m o u n t o f p u r c h a s e a p p e a r s o n h is c r e d it c a r d s ta t e m e n t, but goods a r e never recei ved. T h e c a r d h o l d e r a t t e m p t s t o r e s o l v e t h i s w it h t h e m e r c h a n t u n w il i n g t o p r o v i d e t h e m e r c h a n d i s e a s p r o m i s e d . T h e c a r d h o l d e r c o n t a c t s t h e is s u e r , a n d p r o v i d e s w it h t h e m e r c h a n t w a s u n s u c c e s s fu l . The and

and

is u n s u c c e s s

fu l b e c a u

se th e m e r c h a n t

is u n a b l e o r

d o c u m e n t a t io n p r o v i n g t h a t a n a t t e m p t t o r e s o l v e t h e t r a n s a c t

is s u e r c r e a t e s a c h a r g e b a c k t r a n s a c t io n a n d s e n d s it t o V i s a . V i s a p r o c e s s e s c l e a r s a n d s e t t le s it s o t h e c a r d h o l d e r c a n r e c e i v e a r e f u n d .

t h e t r a n s a c t io n , a s s e s s

io n

e s fe e s,

V i s a f o r w a r d s t h e c h a r g e b a c k t o t h e a c q u ir e r , w h o , a f t e r d e t e r m in i n g t h a t t h e c h a r g e b a c k i s v a l id , c o l le c t s t h e m oneyback fr o m th e m e r c h a n t .

14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

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4 - 1

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er 4

4 .1 .1

R e- pr ese nt m en ts

Char gebac

k S e r v ic e s

T h e r e a r e c h a r g e b a c k s e r v ic e s t h a t r e d u c e t h e t im e a n d m o n e y e x p e n d e d b y is s u e r s t o resear ch and pr ocess char gebacks. T h e C h a r g e b a c k R e d u c t io n S e r v ic e ( C R S ) v a lid a t e s c h a r g e b a c k s , c o p y r e q u e s t a n d f u lf illm e n t t r a n s a c t io n s , a n d s a l e s d r a f t s . I t t h e n r e t u r n s t h o s e t h a t d o n o t m e e t v a l id a t io n c r it e r ia a n d p r o v i d e s m e m b e r s w it h h e l p f u l i n f o r m a t io n a b o u t it e m s t h a t m a y b e d i s p u t e d .

4. 2

R E -P R E S E N T M E N T S Ai n t e r r c e h a - p n g re e s a fe t e n r t am c eh a n r tg e b i s a c k a. c l e a r i n g r e c o r d t h a t a n a c q u i r e r p r e s e n t s t o a n i s s u e r t h r o u g h A n a c q t r a n s a c t io n can subm a r b it r a t io

u ir e r, h a v in g a lr e a d y p r e s e n t e d t h e o r ig in a l t r a n s a c t io n t o t h e is s u e r, r e s u b m it s t h e t o t h e is s u e r a s a r e - p r e s e n t m e n t w h e n a c h a r g e b a c k p r o v e s in v a l id . A n a c q u i r e r it o n e r e - p r e s e n t m e n t ; if t h e r e - p r e s e n t m e n t is n o t v a l id , t h e d i s p u t e g o e s t o n .

E x ce p ti o n P ro c e s s in g

4 - 2



1 4 A pr 2 0 0 7

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R S I J u r is d ic t io n R u le s

er 5

In o r d e r t o d e t e s t a b lis h t h e acqui rer and m d o m e s t ic t r a n

e r m in e a t r a n s a c t io n ’ s f e e s , a s w e l l a s e d i t s t r a n s a c t i o n ’ s ju r i s d i c t i o n . I n o t h e r w o r d s , t h e r c h a n t d r iv e s h o w B A S E I p r o c e s s e s it . T h e s a c t io n , a r e g io n a l t r a n s a c t io n , o r a n in t e r r e g

and char ges, B e lo c a t io n o f a sy st em det er m io n a l t r a n s a c t io n

AS E tran in e s as

I m u s t f ir s t s a c t io n ’ s is s u e r, if it is a f o l lo w s :

D o m e s t ic T r a n s a c t io n – T h e t r a n s a c t io n o c c u r s w it h i n a s i n g l e c o u n t r y o r z o n e a n d f e e s d e f in e d b y t h e m e m b e r s w i t h i n t h a t c o u n t r y . A z o n e is a s u b - c a t e g o r y o f r e g i o n t h a t is s y n o n y m o u s w it h c o u n t r y ( f o r e x a m p l e , C a n a d a a n d t h e U . S . r e g i o n a r e e a c h z o n e s ) .

recei v es

R e g i o n a l T r a n s a c t io n ( o r I n t r a r e g i o n a l T r a n s a c t io n ) – T h e t r a n s a c t io n o c c u r s b e t w e e n c o u n t r ie s in t h e s a m e V i s a r e g i o n a n d r e c e i v e s f e e s d e f in e d b y t h a t r e g i o n ’ s B o a r d . In t e r r e g io n a l – T h e t r a n s a c t io n o c c u r s b e t w e e n V is a ’ s I n t e r n a t i o n a l B o a r d .

tw o regi ons and

re c e i v e s fe e s a g r e e d

upon

tw o

by

T h e r e c a n b e u p t o fo u r d if f e r e n t ju r is d ic t io n s p e r t r a n s a c t io n :

• • • • 5. 1

o n e fo r o n e fo r f o n e fo r o n e fo r

J U R I S D IC T IO N

e d i ts e e s ( c o s t s t h a t f lo w f r o m m e m b e r t o m e m b e r ) c h a r g e s ( c o s t s t h a t f lo w f r o m m e m b e r s t o V i s a ) char gebacks ( r ig h t s a r e b y m e r c h a n t )

PRO

CESSI

NG

T h e r e a r e m a n y w a y s t o d e t e r m in e t h e ju r is d ic t io n o f a t r a n s a c t io n . T h e f o llo w in g a r e t h e b1 a s. i cI s s c u oe mr ’ s p o r ne eg ni o n t s a n ud s e d c o u n f o r t r t y h :e u s d e es t e r c m a r i nd a t r a i o n ng :e t o d e f i n e w h e r e t h e i s s u e r i s l o c a t e d . 2 . M e r c h a n t ’ s r e g i o n a n d c o u n t r y : u s e s m e r c h a n t ’ s c o u n t r y c o d e t o d e t e r m in e w h e r e t h e m e r c h a n t is lo c a t e d . 3 . A c q u ir e r ’ s r e g i o n a n d c o u n t r y : u s e s t h e B I N t h a t s e n t in t h e t r a n s a c t io n t o d e f in e w h e r e t h e a c q u ir e r is lo c a t e d . R S Ir uns the above ju r is d ic t io n .

5. 2

DOM

E S T IC T R A N S A

in f o r m a t io n t h r o u g h

a s e r ie s o f t a b l e s a n d

get s one

li n e d e f i n i n g t h e s el u R n o ti ci d isr uJ I S R

C T IO N S

T h e s t a n d a r d d o m e s t ic t r a n s a c t io n is a s f o llo w s :

• Is s u e r , m e r c h a n t , a n d a c q u i r e r = in t h e s a m e c o u n t r y /z o n e . • M e r c h a n t is n o t a n a i r lin e . EXA M PL E A U . S . c a r d h o ld e r b u y s a b o o k a t a s h o p in C h ic a g o w it h h is c r e d it c a r d . T h e is s u e r, m e r c h a n t, a n d a c q u ir e r a r e a ll lo c a t e d in t h e U . S . s o it is a U . S . d o m e s t ic t r a n s a c t io n .

T h e ju r is d ic t io n r u le s fo r v a r io u s t y p e s o f d o m e s t ic t r a n s a c t io n s , a s w e ll a s r e g io n a l a n d in t e r r e g i o n a l t r a n s a c t io n s , a r e d e s c r ib e d b e lo w in m o r e d e t a i l. A ls o , s e e T a b l e 5 - 1 , f o r a o n e - p a g e s u m m a r y o f a l l t h e ju r i s d i c t i o n r u l e s .

14

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BASE

II C l e a r i n g

Sy stem

O v e r v ie w

5 - 1

Chapt

D o m e s t ic T r a n s a c t io n s

er 5

5 .2 .1

D o m e s t ic • Is s u e r a n d • A c q u ir e r • M er chant

A i r lin e =

m e r c h a n t = in t h e s a m e c o u n t r y / z o n e any regi on/ z one C a t e g o r y C o d e ( M C C ) = a i r li n e

T h e r e is a s p e c ia l p r o g r a m fo r d o m e s t ic a ir lin e t r a n s a c t io n s t h a t d o e s n o t r e q u ir e t h e a c q u ir e r t o b e lo c a t e d in t h e s a m e c o u n t r y a s t h e is s u e r a n d m e r c h a n t . E a c h a i r li n e h a s i t s o w n M C C . EXA M PL E A U .S . c a r d h o ld e r a t S a n F r a n c is c o In t e r n a t io n a l A ir p o r t b u y s a t ic k e t to L o n d o n a t th e B r it is h A ir w a y s c o u n t e r. A lt h o u g h t h e s h o p ’s a c q u ir e r is a K e n y a n b a n k , th e is s u e r a n d m e r c h a n t a r e in t h e U S s o it is a U . S . d o m e s ti c a ir lin e t r a n s a c t i o n .

5 .2 .2

U. • • •

S . D o m e s t ic I s s u e r a n d a c q u i r e r = in t h e U n i t e d S t a t e s M e r c h a n t = a n y re g i o n / z o n e M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e EXA M PL E A U . S . c a r d h o l d e r v i s i t i n g S a n t a F e , N e w M e x i c o b u y s a N a v a jo n e c k l a c e f r o m T h e is s u e r a n d a c q u i r e r a r e a l l l o c a t e d in t h e U . S . s o it is a U . S . d o m e s t ic t r a n s a c t io n .

T a b le

5 -1

R S I J u r is d ic t io n

J u s ri d c o i t n

sIs u e r

A c q u er i r

a m e rc h a n t o n th e to w n s q u a re .

R u le s M e cr h a n t

M e rc h a n t Ca tegor y C ode

D o m e s ct i A r i

nI s a m e

A n y w h e re cou nt ry/zone

as

a c q u ir e r U . S . D o m e s t ci

R S I Ju ri s d ic ti o n R u le s

In U . S .

is s u e r I n a n y r e g io n /z o n e

A ir lin e

N o t a i r lin e

r e g i o n /z o n e

In U . S . r e g i o n /z o n e

C a n a d ia n D o m e s t ic

In C a n a d a r e g i o n /z o n e



N o t a ir lin e

A s ia P a c if ic D o m e s t ic

I n s a m e A s ia P a c i f ic r e g i o n /z o n e as acq ui rer

I n s a m e A s ia P a c i f ic r e g i o n /z o n e a s is s u e r

I n A s i a P a c i f ic r e g i o n /c o u n t r y

N o t a ir lin e

L a t in A m e r ic a D o m e s t ic

In s a m e L a t i n A m e r ic a r e g i o n /z o n e a s a c q u ir e r

In Lat reg is s u

I n L a t in A m e r ic a n r e g i o n /c o u n t r y

N o t a ir lin e

Vi sa Eur ope D o m e s t ic

In s a m e Vi sa Eur ope r e g i o n /z o n e a s a c q u ir e r

In s a m e Vi sa Eur ope r e g io n / z o n e a s is s u e r

In s a m e Vi sa Eur ope r e g i o n /z o n e a s is s u e r

N o t a ir lin e

In s a m e C E M E A

In s a m e C E M E A

N o t a ir lin e

r e g io n / z o n e a s is s u e r

r e g i o n /z o n e is s u e r

(V E )

C E M E A D o m e s t ic

In s a m e C E M E A r e g i o n /z o n e a c q u ir e r

5 - 2

In s a m e cou nt ry/zone as



as

sam e in A m e r ic a io n / z o n e a s er

as

1 4 A pr 2 0 0 7

Chapt

D o m e s t ic T r a n s a c t io n s

er 5

T a b le

5 -1

R S I J u r is d ic t io n

J u s ri d c o i t n

sIs u e r

R u le s

A c q u er i r

( c o n t in u e d )

M e cr h a n t

M e rc h a n t Ca tegor y C ode

5 .2 .3

Vi sa Eur ope C ross-Bo rde r A c q u ir in g

In V E r e g i o n , a n d i s s u e r z o n e is m er chantzone

In V E r e g oi n

CE M EA C ross-Bo ar de r A c q u ir in g

In C E M E A r e g i o n , a n d is s u e r z o n e is m er chantzone

In C E M E A r e g io n

R egi on al ( t r a n s a c t io n d o m e s t ic )

In s a m e r e g o i n

In s a m e r e g oi n

In V E r e g oi n , a n d m e r c h a n t z o n e is s a m e a s is s u e r zon e

In s a m e r e g o i n

n, m er c han t is s a m e a s r zon e

N o t a ir lin e

N o t a ri n l e

n ot

R e g i o n a l A ir lin e ( t r a n s a c t io n n o t d o m e s t ic )

In s a m e r e g i o n as m er ch antbut d if f e r e n t c o u n t r y than m er cha nt

In a n y r e g oi n

In t e r r e g i o n a l (tra n sa cti o n not regi ona l or d o m e s t ic )

I n d if f e r e n t r e g i o n tha n acq ui rer

I n d if f e r e n t r e g i o n t h a n is s u e r

C a n a d ia n D • Is s u e r a n d • M er cha nt • M er chant

I n C E M E A r e g io and zon e is s u e

N o t a ir lin e

In s a m e r e g oi n a s is s u e r b u t d if f e r e n t c o u n t r y t h a n is s u e r I n a n y r e g io n /z o n e

A ir lin e

N o t a i r lin e

o m e s t ic a c q u i re r = C a n a d a = in C a n a d a re g i o n / z o n e C a t e g o r y C o d e = n o t a i r lin e

EXA M PL E A fa m ily fr o m T o r o n to , C a n a d a v a c a t io n in g in Q u e b e c p a y s fo r th e ir r o o m a t L e C h a te a u F r o n te n a c h o t e l w it h a V is a c r e d i t c a r d . T h e is s u e r , a c q u ir e r , a n d m e r c h a n t a r e a l l l o c a t e d in C a n a d a s o it is a C a n a d i a n d o m e s t ic t r a n s a c t io n .

5 .2 .4

Asi • • •

a - P a c i f ic D o m e s t ic Is s u e r a n d a c q u i r e r = in s a m e A P r e g i o n / z o n e M e r c h a n t = in A s i a - P a c i f ic r e g i o n /z o n e M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e

s el u R n o ti ci d isr uJ I S R

EXA M PL E A J a p a n e s e b u s in e s s m a n u s e s h is c o r p o r a te V is a c a r d t o c h a r g e d in n e r o u t w it h a c lie n t a t a r e s t a u r a n t in T o k y o . T h e is s u e r , a c q u i r e r , a n d m e r c h a n t a r e a l l l o c a t e d in J a p a n s o it is a J a p a n e s e d o m e s t ic t r a n s a c t i o n .

5 .2 .5

L a t in A m e r ic a D o m e s t ic • I s s u e r a n d a c q u i r e r = in s a m e L a t i n A m e r ic a n r e g i o n / z o n e • M e r c h a n t = in L a t i n A m e r ic a n r e g i o n / z o n e

• M er chant

C at egor y C ode

=

n o t a i r lin e

EXA M PL E A B r a z ilia n h o u s e w if e s h o p p in g fo r g r o c e r ie s in R io d e J a n e ir o p a y s w it h h e r V is a d e b it c a r d . T h e is s u e r, a c q u ir e r, a n d m e r c h a n t a r e a l l l o c a t e d in B r a z i l s o it is a B r a z i lia n d o m e s t ic t r a n s a c t i o n .

14

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II C l e a r i n g

Sy stem

O v e r v ie w

5 - 3

Chapt

R e g i o n a l T r a n s a c t io n s

er 5

5 .2 .6

V i s a E u ro p • Is s u e r a n d • M er chant • M er chant

e D o m e s t ic a c q u i r e r = in s a m e V i s a E u r o p e ( V E ) r e g i o n / z o n e r e g i o n is in s a m e V E r e g i o n / z o n e a s i s s u e r C a t e g o r y C o d e = n o t a i r lin e

EXA M PL E A B r it is h c a r d h o ld e r lu n c h in g w it h a c lie n t a t t h e S a v o y G r ill in L o n d o n u s e s h e r V is a c a r d t o p a y fo r t h e b ill. T h e is s u e r , a c q u ir e r , a n d m e r c h a n t a r e a l l i n t h e s a m e r e g i o n /z o n e s o t h i s is a B r it is h d o m e s t ic t r a n s a c t i o n .

5 .2 .7

CE • • •

M E A Dom

e s t ic

Is s u e r a n d a c q u i re r = C E M E A M e r c h a n t r e g i o n i s in s a m e C E M E A r e g i o n / z o n e M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e

a s is s u e r

EXA M PL E A Z im b a b w e a n b u s in e s s m a n s h o p p in g a t a n a r t g a lle r y in H a r a r e b u y s a S h o n a s c u lp tu r e w it h h is V is a c a r d . T h e is s u e r , a c q u i r e r , a n d m e r c h a n t a r e a l l i n C E M E A s o t h i s is a Z i m b a b w e d o m e s t ic t r a n s a c t io n .

5 .2 .8

Vi • • •

sa Eur ope

C r o s s - B o r d e r A c q u i r in g

I s s u e r a n d m e r c h a n t = in s a m e V i s a E u r o p e A c q u i r e r = in V i s a E u r o p e r e g i o n M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e

re g i o n / z o n e

EXA M PL E A B r it is h h u s b a n d p u r c h a s e s w it h h is V is a c a r d a s ilk s c a r f fo r h is w if e ’s b ir th d a y fr o m F r e n c h b o u t iq u e . A l t h o u g h t h e b o u t iq u e ’ s a c q u i r e r is a F r e n c h b a n k , t h e is s u e r a n d m e r c h a n t a r e b o t h lo c a t e d in E n g l a n d s o it is a U K d o m e s t ic t r a n s a c t io n w it h c r o s s b o r d e r a c q u i r in g .

5 .2 .9

t h e L o n d o n o u t le t o f a

C E M E A C r o s s - B o r d e r A c q u i r in g • I s s u e r a n d m e r c h a n t = in s a m e C E M E A r e g io n / z o n e • A c q u i r e r = in C E M E A r e g io n • M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e EXA M PL E A S o u th g if t s fr o t h e is s u e r cr o ss-borde


5. 3

A fr ic a n b u s in e s s m a n h e a d in g o u t o n a s a le s c a ll t o N ig e r ia u s e s h is V is a c a r d t o p u r c h a s e s o m e c lie n t m a K e n y a n - o w n e d g ift s h o p a t th e J o h a n n e s b u r g A ir p o r t . A lt h o u g h t h e s h o p ’s a c q u ir e r is a K e n y a n b a n k , a n d m e r c h a n t a r e b o t h lo c a t e d in S o u t h A f r i c a s o it is a S o u t h A f r ic a n d o m e s t ic t r a n s a c t i o n w it h r a c q u ir in g .

REGI ON AL T RANSACT

IO N S

R e g i o n a l t r a n s a c t io n s d o n o t q u a lif y a s d o m e s t ic , a n d t h e s a m e r e g i o n b u t n o t in t h e s a m e c o u n t r y / z o n e . 5 .3 .1

occur

w it h t h e is s u e r a n d

m er chant

in

R e g io n a l

• T r a n s a c t io n is n o t d o m e s t ic . • Is s u e r , a c q u i r e r a n d m e r c h a n t = s a m e r e g i o n • M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e

5 - 4



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er 5

I n t e r r e g io n a l T r a n s a c t io n s

EXA M PL E A M e x ic a n c a r d h o ld e r o n v a c a t io n in B u e n o s A ir e s , A r g e n t in a , u s e s h e r V is a c a r d t o p a y fo r a b u s t o u r o f th e P a m p a s . T h e is s u e r , a c q u i r e r , a n d m e r c h a n t a r e a l l l o c a t e d in L a t in A m e r ic a s o it is a L A C R e g i o n a l d o m e s t ic tra n sa cti o n .

5 .3 .2

R e g io n a l A • Is s u e r a n d • A c q u i re r = • M er chant

ir lin e m er chant = a n y re g i o n Cat egor y Code

s a m e r e g i o n , d i f f e r e n t c o u n t r ie s =

a i r lin e

EXA M PL E A T a iw a n e s e b u s in e s s m a n o n a tr ip t o J a p a n u s e s h is V is a c o r p o r a t e c a r d in t h e T o k y o A ir p o r t to H o n g K o n g . T h e is s u e r a n d m e r c h a n t a r e in t h e s a m e r e g i o n b u t in d i f f e r e n t c o u n t r ie s , a n d th e m e r c h a n t c a t e g o r y is a ir lin e s o it is r e g io n a l a ir lin e t r a n s a c t io n .

5. 4

IN T E R R E G I

ON AL T RAN

b u y a t ic k e t t o

S A C T IO N S

I n t e r r e g i o n a l t r a n s a c t io n s d o n o t q u a l if y a s d o m e s t ic o r r e g i o n a l , a n d o c c u r w it h t h e is s u e r a n d a c q u ir e r in d i f f e r e n t r e g io n s . 5 .4 .1

• In t e r r e g i o n a l Is s u e r a n d a c q u i r e r = d i f fe r e n t r e g i o n s • M e r c h a n t = a n y re g i o n / z o n e • M e r c h a n t C a t e g o r y C o d e = n o t a i r lin e EXA M PL E A U . S . c a r d h o ld e r v a c a ti o n in g in N e w Z e a la n d u s e s h e r V is a c a r d t o p a y fo r a tr o u t fi s h in g t r ip o n L a k e R o ta r u r a . T h e is s u e r a n d a c q u i r e r a r e in d i f f e r e n t r e g i o n s s o it is a n in t e r r e g i o n a l t r a n s a c t io n .

s el u R n o ti ci d isr uJ I S R

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T h e c a lc u la t to m ovi ng transact m em ber s m ake v a r ie t y o f a d

io n o f io n a m to e a c h m in is

fe e s a n d o u n ts , B A S E o t h e r a n d to t r a t iv e a n

c h a r g e s is a n o t h e r m I I c a l c u l a t e s a n d c o l le c t s t h e V i s a f o r r is k s b o r n e b y is s u e r s d p r o c e s s in g s e r v ic e s

a jo com and p r

r f u n c t io n o f B A S E II p r o c e s s in g . In a d d it io n pen sat or y paym ent s a c q u i re r s , a n d fo r a o v id e d b y V is a .

T h e s e p a y m e n t s fa ll in t o t w o c a t e g o r ie s : • I n t e r c h a n g e r e i m b u r s e m e n t f e e s b e t w e e n is s u e r s a n d a c q u i r e r s • T r a n s a c t io n c h a r g e s p a i d b y m e m b e r s t o V i s a

6 .1

es gr a h C d n a s e e F

FEES re i m b u rs e m e n t fe e s ( IR F s ) a r e t r a n s f e r f e e s t h a t a r e u s e d t o b a l a n c e b e n e f it s a n d c o s t s o f V i s a c a r d t r a n s a c t io n s b e t w e e n is s u e r s a n d a c q u i r e r s . I n t e r c h a n g e f e e s c o m p e n s a t e b o t h p a r t ie s f o r t h e i r r o l e in p r o v i d i n g a c o m p r e h e n s i v e p a y m e n t s e r v ic e t o c a r d h o ld e r s a n d m e r c h a n t s .

th e


F e e s a r e a l s o u s e d b y V i s a to e n c o u r a g e c e r ta i n k in d s a u t h o r iz a t io n o f t r a n s a c t io n s a n d C P S p a r t ic i p a t io n ) a n t e c h n o lo g y ( e . g . , c h i p - c a p a b le t e r m in a ls a n d c o n t a c t a s m o v e m e n t in t h e e c o n o m y o r c o m p e t it iv e r a t e c h a n In t e r c h a n g e

f e e s f lo w

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o f b e h a v i o r in m e m b e r s ( f o r e x a m p l e , d to devel op em er gi ng pr od uct s an d le s s p a y m e n t s ) . A d d it io n a l ly , e v e n t s s u c h g e s m a y t r ig g e r i n t e r c h a n g e a d j u s t m e n t s .

m e m b e r t o a n o t h e r b a s e d o n t h e t r a n s a c t io n .

• Pa ym ent Tr ansact

io n s — F e e s f lo w f r o m t h e is s u e r is e x t e n d i n g c r e d i t s o t h e c a r d h o l d e r c a n

a c q u i r e r t o is s u e r in c r e d i t t r a n s a c t io n s m a k e a p u r c h a s e a t t h e a c q u i r e r ’s

m e r c h a n t , a n d a l s o t o c o m p e n s a t e t h e is s u e r f o r d e v e l o p i n g a n d p a y m e n t s m e c h a n is m t h a t p r o v i d e s a s e r v ic e t o m e r c h a n t s , a c q • D e b it T r a n s a c t io n s — F e e s f lo w f r o m is s u e r t o a c q u i r e r a c q u i r e r h a s g o n e t o t h e e x p e n s e o f b u y in g t h e A T M a n d p u t t in g c o n v e n i e n c e o f t h e is s u e r ’ s c a r d h o l d e r s . — O n c h a r g e b a c k s , re v e r s a l s , • E x c e p t io n P r o c e s s i n g p r o c e s s i n g , in t e r c h a n g e f lo w s in r e v e r s e . In t e r c h a n g e s i g n i f ic a n t s o u r

becau

m ai nt ai ni ng the car d u i r e r s , a n d c a r d h o ld e r s . in A T M t r a n s a c t io n s b e c a u s e it o n t h e n e t w o r k f o r t h e and

o t h e r ty p e s

se

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o f e x c e p t io n

f e e s , w h i c h a r e le v i e d o n t r a n s a c t io n s f lo w in g t h r o u g h V is a N e t , p r o v i d e a c e o f r e v e n u e to V i s a ’ s m e m b e r b a n k s . T h e fe e s a r e s e t b y a g r e e m e n t b e t w e e n :

• T h e b a n k s w it h i n a c o u n t r y f o r d o m e s t ic t r a n s a c t io n s . • T h e r e g i o n s f o r r e g i o n a l t r a n s a c t io n s . • B y a g r e e m e n t b e t w e e n r e g i o n s ( r e p r e s e n t e d b y t h e V is a I n t e r n a t io n a l B o a r d ) f o r in t e r - r e g i o n a l tra n sa cti o n s. A d d it io n a lly , B A S E II s u p p o r t s o v e r 1 1 , 0 0 0 le g a l, p r iv a t e a n d m e r c h a n t a g r e e m e n t s u n r e la t e d t o ju r i s d i c t i o n . 6 .1 .1

D I R e Ft s e r a m r e i n i c an l g c u l F a te e e sd b y B A S E I d u r i n g c l e a r i n g a n d

b a l a n c e d d u r in g s e t t le m e n t . B A S E I a c t s o n a w id e v a r ie t y o f t r a n s a c t io n c h a r a c t e r is t ic s t o a c c u r a t e l y a s s i g n a n a p p r o p r ia t e in t e r c h a n g e r a t e t o e a c h t r a n s a c t io n . S o m e o f t h e it e m s w h i c h im p a c t t h e f e e a r e :

14

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T r a n s a c t io n T y p e — W ha t type c r e d it : o r ig i n a l, f e e c o l e c t io n , e t c . )

—

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c a r d , p r e p a id , e t c . )

o f t r a n s a c t io n ( p u r c h a s e : o r ig i n a l, p u r c h a s e : r e p r e s e n t m e n t ,

w o r k w a s t h e t r a n s a c t io n s e n t o n — I s it d e b i t o r c r e d it t r a n s a c t io n

D ebi t or C redi t S e t t le m e n t S e r v ic e

F e e s a n d C h a rg e s

car d, cr edi t car d, busi ness

—

W h i c h s e t t l e m e n t s e r v ic e is u s e d

C u s t o m P a y m e n t S e r v ic e ( C P S ) — T h i s p r o g r a m , w h i c h is u s e d b y f o u r c o u n t r ie s in c l u d i n g t h e U . S . , is s t r u c t u r e d t o g i v e a c q u i r e r s e c o n o m ic in c e n t iv e s t o p r o v i d e d a t a in t e g r it y b e t w e e n t h e a u t h o r iz a t io n a n d c l e a r in g r e c o r d s a n d e x p e d i t e t h e c l e a r in g o f t r a n s a c t io n s . A c q u ir e r s p a y lo w e r r a t e s f o r t r a n s a c t io n s t h a t m e e t C P S r e q u i r e m e n t s . T r a n s a c t io n s t h a t d o n o t m e e t C P S q u a l if ic a t io n s a r e r e c l a s s i f ie d t o a h i g h e r E l e c t r o n ic I s s u e r s R e i m b u r s e m e n t F e e ( E I R F ) a n d s t a n d a r d r a t e s . C P S r e q u i r e m e n t s in c l u d e c o n s i s t e n c y b e t w e e n t h e a u t h o r iz a t io n a n d c l e a r i n g m e s s a g e s ( a n i n c o n s i s t e n t v a l id a t io n c o d e m e a n s s o m e t h i n g h a s c h a n g e d b e t w e e n a u t h o r iz a t io n a n d c l e a r in g ) a n d t im e l in e s s o f c l e a r in g ( if t h e t r a n s a c t io n w a s n o t s u b m it t e d w it h i n 3 d a y s , t h e r e i s in c r e a s e d r is k t h a t t h e a c c o u n t m ig h t h a v e g o n e b a d ) . S p e c i f ic m e r c h a n t s e g m e n t s t h a t q u a l if y f o r C P S in c l u d e s u p e r m a r k e t s , h o t e l s a n d c a r r e n t a l s , p a s s e n g e r t r a n s p o r t , d i r e c t m a r k e t in g , a n d a u t o m a t e d f u e l d is p e n s e r s . M e r c h a n t V e r if ic a t io n V a l u e s ( M V V ) — A u n iq u e id e n t if ie r a s s i g n e d b y V is a t o s p e c i f ic m e r c h a n t s t o u n i q u e ly id e n t if y t h e m o n a l l t r a n s a c t io n s . T h e M V V is u s e d t o d e t e r m in e w h e t h e r t h e t r a n s a c t io n is e l ig i b l e f o r a s p e c i a l f e e p r o g r a m e s t a b lis h e d b y V is a .

F o r c u r re n t fe e s c h e d

V i s a I n t e r n a t io n a l O p e r a t in g R e g u la t io n s , V i s a U . S . A . ul es, ref er to O p e r a t in g R e g u la t io n s , I n t e r lin k O p e r a t in g R e g u la t io n s , a n d P lu s O p e r a t in g R e g u la t io n s

is o n l y u s e d i n t h e U . S . 6 .1 .2

C ashbac

k: An Exam

pl e of H ow

J u r is d i c t io n D e t e r m in e s


Fees

Vi sa’ s cashback f e a t u r e p r o v i d e s c a r d h o ld e r s w it h a d d e d c o n v e n i e n c e b y d i s p e n s i n g c a s h w it h a p u r c h a s e t r a n s a c t i o n a t t h e p o i n t o f s a l e . W h e n t h e c a s h b a c k o p t io n is u s e d i n a p u r c h a s e t r a n s a c t io n ( T C 0 5 – S a l e s D r a f t ) , t h e c a s h b a c k f ie l d in t h e T C 0 5 in d i c a t e s w h a t p o r t io n o f a t r a n s a c t io n is c a s h b a c k . In V i s a ’ s U S , C a n a d t h e is s u e r t h a t p a r t t r a n s a c t io n . F o r e x a m c a s h b a c k , w it h t h e s u b m it t e d b y t h e m ig n o r e s t h e c a s h b a c k In c e r t a i n c o u o n h o w in t e r pur chas e am cashback am t h e s e r v ic e . H ong Kong

6 - 2

a a n d L A C r e g i o n s , t h e c a s h b a c k f ie l d is in f o r m a t io n a l o n ly , t e l lin g o f t h e t r a n s a c t io n w a s c a s h b a c k . In t e r c h a n g e is c h a r g e d o n t h e e n t p l e , a c a r d h o l d e r in C h ic a g o p u r c h a s e s a $ 1 c a n d y b a r a n d a s k s f o r t o t a l t r a n s a c t io n c o m i n g t o $ 2 1 . W h e n t h e t r a n s a c t io n a m o u n t ( $ 2 1 e r c h a n t i s c l e a r e d , B A S E I I d e t e r m i n e s t h e ju r i s d i c t i o n t o b e U S d o m f ie l d , a n d c h a r g e s t h e a c q u i r e r in t e r c h a n g e o n t h e e n t ir e $ 2 1 .

ir e $2 0 ) e s t ic ,

n t r ie s w it h i n t h e A s i a P a c i f ic , C E M E A a n d V E r e g i o n s , t h e r e a r e t w o v a r ia t io n s c h a n g e i s h a n d l e d o n c a s h b a c k : 1 ) i n t e r c h a n g e is c h a r g e d o n l y o n t h e a c t u a l o u n t , n o t o n t h e c a s h b a c k a m o u n t , a n d 2 ) in t e r c h a n g e is c a l c u l a t e d o n t h e o u n t b u t f lo w s in t h e o p p o s i t e d i r e c t io n , t h u s in c e n t in g t h e m e r c h a n t t o p r o v i d e F o r e x a m p l e , u s i n g v a r ia t io n o n e , if t h e c a r d h o ld e r p u r c h a s e s a $ 1 c a n d y b a r in a n d a s k s f o r $ 2 0 c a s h b a c k , t h e t o t a l t r a n s a c t io n s t il c o m e s t o $ 2 1 b u t t h e



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6 .2

change f e e is o n l y c h a r s a c t io n , it d e t e r m in e s th a t th e c a s h b a c k p a r act ual pur chase ($ 1 )

ged on $ 1 of t h e ju r i s d i c t i o n t o f t h e tra n s a c t ra t h e r th a n o n

the is io n the

tot alt ransact A s i a P a c i f ic , w as $ 2 0 , tot alt ransact

io n . W h e n B A S E I p r o c e s s e s t h e r e a d s in t h e c a s h b a c k f ie l d o n t h e T C a n d c a l c u l a t e s in t e r c h a n g e f e e s o n l y o n io n ( $ 2 1 ) .

CH AR G ES T r a n s a c t io n c h a r g e s a r e h o w V is a b ills m e m b e r s ( o r t h e ir t h ir d - p a r t y p r o c e s s o r s ) f o r V is a N e t p r o c e s s i n g s e r v i c e s . C h a r g e s a r e s p e c i f ie d in t h e R e g i o n a l O p e r a t in g R e g u la t io n s , a n d t h e r e g i o n in w h i c h t h e B I N is lo c a t e d r e c e i v e s t h e c h a r g e . A ll c h a r g e s a r e b ille d m o n t h ly , e x c e p t fo r In t e r n a t io n a l S e r v ic e A s s e s s m e n t a n d In t e r n a t io n a l O u t g o i n g In t e r c h a n g e c h a r g e s , w h i c h a r e a s s e s s e d d a i ly . A t ie r e d c h a r g e s t r u c t u r e is u s e d ( e . g . , t h e f ir s t m il io n t r a n s a c t io n s a r e c h a r g e d o n e r a t e , t h e n e x t m il io n a n o t h e r r a t e ) . V i s a p r ic i n g v a r ie s d e p e n d in g o n a n u m b e r o f f a c t o r s , n a m e l y t h e m c o n f ig u r a t io n , p r o j e c t e d c a p a c i t y , a n d a c t u a l t r a n s a c t io n v o l u m e , a s in v o l v e d a n d a n y a p p lic a b l e in c e n t iv e p r o g r a m s . T h e p r o c e s s i n g s y o r G lo b a l M e m b e r B il i n g S o l u t io n s ( G M B S ) ) a s s e s s e s t h e c h a r g e t o o f th e re g i o n a n d th e n re l e a s e s th e m o n i e s to th e re g i o n . V i s a u s e s t r a n s a c t io n s , w h i c h r e s u lt in a c r e d it t o t h e o r ig i n a t o r a n d a d e b i t m o n t h l y t r a n s a c t io n c h a r g e s , q u a r t e r ly f e e s , a n d m e m b e r s h i p f e e s .

6 .2 .1

Ty pes

es gr a h C d n a s e e F

e m b e r ’ s p r o c e s s in g w el la s the pr od uct s t e m ( e i t h e r B A S E II m em ber s on behal f T C 1 0 F e e C o l le c t io n t o t h e d e s t in a t io n , t o s e t t le

o f T r a n s a c t io n C h a r g e s

T h e r e a r e a v a r ie t y o f t r a n s a c t io n c h a r g e s in c lu d in g : : I n t e r n a t io n a l S e r v ic e A s s e s s m e n t ( I S A ) — I f a t r a n s a c t io n c r o s s e s a b o r d e r ( t h a t is , t h e m e r c h a n t a n d is s u e r a r e in d i f f e r e n t c o u n t r ie s ) , V i s a c h a r g e s a p e r c e n t a g e o f t h e v a l u e o f t h e t r a n s a c t io n . T h e c h a r g e is p a i d b y t h e is s u e r t o is s u e r ’ s r e g i o n a n d m e r c h a n t ’ s r e g i o n . T h e

r e g i o n m a y c h o o s e t o s h a r e w it h it s m e m b e r s t h e m o n i e s c o l le c t e d o r k e e p it . S o m e r e g i o n s u s e t h e m o n i e s t o f u n d s p e c i a l p r o j e c t s ( f o r e x a m p l e , A s i a P a c i f ic u s i n g a p o r t io n o f it s I S A m o n i e s t o f u n d a n a d v e r t is i n g c a m p a i g n h i g h l ig h t in g t h e 2 0 0 8 O ly m p i c s in C h i n a ) . I n t e r n a t io n a l A c q u i r in g F e e ( I A F ) — Thes e char ges ar e ass ess ed by t r a n s a c t io n ( t y p i c a lly t h e a c q u ir e r ) w h e n t h e t r a n s a c t io n is in it ia t e d o u t s i d e t h e IO I c h a r g e s v a r y b y V i s a r e g i o n . T h e y a r e u s u a l ly c a l c u l a t e d a s a p e r c e n t a g e o f t h e a m o u n t a n d a r e c o l le c t e d t h r o u g h t h e d a ily s e t t le m e n t p r o c e s s . C u r r e n t ly , I A F f e e s t o p u r c h a s e t r a n s a c t io n s a c q u ir e d in t h e A s i a - P a c i f ic ( A P ) , L a t in A m e r ic a a n d C a r ib b V i s a E u r o p e ( V E ) , a n d C e n t r a l E u r o p e /M id d l e E a s t /A f r ic a ( C E M E A ) r e g i o n s . I A F f e e s assessed f o r A T M t r a n s a c t io n s a n d d o n o t a p p l y t o I n t e r lin k p a r t ic i p a n t s .

V i s a t o t h e o r ig i n a t o r o f a is s u e r ’ s c o u n t r y . t r a n s a c t io n a p p l y o n ly ea n (LAC ), ar e not

V A P A c c e s s C h a r g e s — These p r o c e s s o r s d i r e c t ly c o n n e c t e d t o a V i s a N m o n t h l y c h a r g e is c o m p r is e d o f a f ix e d a c c t r a n s a c t io n v o l u m e . I t in c lu d e s f e e s f o r a n d u s e o f t h e V . I. P . S y s t e m .

s, an d thi rd- pa rty . Thi s on act ual p roc essi n g,

P rocessi ng C har ges t r a n s a c t io n s p r o c e s s e d ( fo r e x a m p l e , re t u r n e d m on thl y. They ar e con s e t t le m e n t c h a r g e s . G

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— thr ough it e m s in sist en t e n e r a l ly ,

BASE

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assessed to nt (VA P) , the a v a r ia b l e c o m d r e c o n c i lia t

is s u e r s , lin k t o ponent io n , t r a n

a c q u ir e r Vi saN et bas ed s a c t io n

V i s a a s s e s s e s t r a n s a c t io n s w it c h i n g c h a r g e s f r o m is s u e r s f o r V i s a N e t . T h e s e c h a r g e s , w h i c h m a y v a r y b y t r a n s a c t io n t y p e t h e U . S . r e g i o n a r e c h a r g e d $ 5 p e r t r a n s a c t io n ) , a r e b i l e d a c r o s s p l a t f o r m s , w h e t h e r a u t h o r iz a t io n c h a r g e s o r c l e a r in g a n d v o l u m e d i s c o u n t s a p p l y t o h i g h - v o l u m e m e m b e r s . I n t e r lin k

II C l e a r i n g

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p r o c e s s i n g c h a r g e s ( b i l e d t o S M S m e m b e r s o n ly ) f o l lo w I n t e r l in k a c q u ir e r s f o r t r a n s a c t io n p r o c e s s i n g .

a d i ffe r e n t s t r u c t u r e . V i s a a l s o b i ls

A d m i n i s t r a t i v e C h a r g e s — M o s t a d m in i s t r a t iv e c h a r g e s a r e b i l e d m o n t h l y , t h o u g h s o m a r e b i l e d d a ily f o r U . S . e n d p o i n t s . A d m in i s t r a t iv e c h a r g e s ( a p p l ic a b le t o b o t h is s u e r s a n d a c q u ir e r s , e x c e p t a s n o t e d ) in c l u d e :

• A p p lic a t io n f e e s — • F e e s a n d C h a rg e s

• •

• •

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6 - 4

e

T h i s is a o n e - t im e c h a r g e t o p a r t ic i p a t e in a V i s a p a y m e n t p r o g r a m . A p p lic a t io n f e e s a r e c h a r g e d f o r V is a c h e c k c a r d , In t e r lin k , a n d P lu s p r o g r a m s . C a r d h o l d e r D a t a b a s e R e s i d e n c y C h a r g e s — T h e s e c h a r g e s a p p l y t o it e m s r e t a i n e d o n t h e e x c e p t io n f ile , t h e P I N v e r if ic a t io n f ile , a n d t h e a d d r e s s v e r if ic a t io n f ile . T h e y a r e b i l e d t o is s u e r s . C a r d h o l d e r D a t a b a s e F i le U p d a t e C h a r g e s — T h e s e c h a r g e s a r e a s s e s s e d t o is s u e r s f o r u p d a t e s t o t h e e x c e p t io n f ile , t h e P I N v e r if ic a t io n f ile , a n d t h e a d d r e s s v e r if ic a t io n f ile . M e r c h a n t C e n t r a l F i le R e s i d e n c y C h a r g e s — T h e s e m o n t h l y c h a r g e s a p p ly t o e n t r ie s r e t a i n e d in t h e m e r c h a n t c e n t r a l f ile a n d a r e p a i d b y a c q u i r e r s . T h e r e i s n o c h a r g e f o r a d d i n g a new account t o t h e f i le . M e r c h a n t C e n t r a l F i le U p d a t e C h a r g e s — A s s e s s e d m o n t h l y t o a c q u i r e r s , t h e s e c h a r g e s a c c r u e f o r u p d a t e s t o t h e m e r c h a n t c e n t r a l f ile . C e r t if ic a t io n F e e s — A p p l ic a b l e t o n e w p r o c e s s i n g e n d p o i n t s a n d s y s t e m c h a n g e s o n e x is t in g e n d p o in t s , c e r t if ic a t io n f e e s a r e c h a r g e s f o r in s t a l la t io n , u p g r a d e s , a n d c a n c e l a t io n s . T h e r e is a m in im u m f e e f o r a d e f in e d a m o u n t o f c e r t if ic a t io n t im e , t h o u g h t h e m e m b e r c a n s c h e d u l e m o r e t im e a t a n e x t r a c h a r g e . F i le M a i n t e n a n c e F e e s — F o r I n t e r lin k a n d V i s a c h e c k c a r d is s u e r s , t h e s e f e e s a r e c h a r g e d f o r m o n t h l y r e s i d e n c y , b a t c h f ile u p d a t e s , a n d a c c o u n t c h a n g e s , a d d it io n s , a n d d e le t io n s . N o n - F i n a n c i a l R e p o r t a n d R a w D a t a F e e s — T h e s e f e e s a r e a s s e s s e d f o r a l l n o n - f in a n c i a l repor ts and raw dat a recor ds. P r o c e s s i n g G u a r a n t e e s — P r o c e s s i n g g u a r a n t e e s a r e p a i d t o e n s u r e a s p e c i f ie d le v e l o f s e r v i c e . T h e y a r e b i l e d q u a r t e r ly , b a s e d o n o v e r a l l v o l u m e lis t e d in t h e m e m b e r ’ s o p e r a t in g c e r t if ic a t e . S e t t le m e n t /R e c o n c ilia t io n C h a r g e s — T h e s e f e e s a r e f o r a d d i t io n a l f u n d s t r a n s f e r s , a f t e r t h e d a ily c o m p l im e n t a r y t r a n s f e r a l lo w e d e a c h V is a N e t e n d p o i n t .



1 4 A pr 2 0 0 7

A p p e n d ix

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T a b le A - 1 lis t s f o r e a c h t r a n s a c t io n c o d e ( T C ) a d e f in it io n , a b u s in e s s c a s e e x a m p le , a n d , if it is a f in a n c i a l t r a n s a c t io n , t h e f in a n c i a l f lo w b e t w e e n is s u e r s a n d a c q u i r e r s . T a b le

A -1


T r a n s a c t io n C o d e and T y pe T C

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C o d e s , D e f in it io n s , a n d

D e f in i t io n , E x a m

pl e, an d Fi na nci al Fl ow

– S h o r t B l o c k A T C 0 0 is u s e d f o r f i l i n g a b l o c k i n a f i l e . A b l o c k is 1 2 r e c o r d s . A b l o c k c a n c o n t a i n m u l t ip l e t r a n s a c t io n s , b u t a s i n g l e t r a n s a c t io n c a n ’ t s p a n t w o b l o c k s . Exam pl e: T r a n s a c t io n s a n d g o in t o o n e b l o c k b u t T C R s in t h e n e x t r e t h e f i r s t b l o c k is c o m p l e t e d Fi n a n c ial Fl o w :

T C 0 1 C r e d it

E x a m p le s

–

R e t u r n e d

1 , 2 , and t h e r e is n ’ t c o rd . T w it h o n e

3 , each cont enough spac e h e fo u r t h or m or e shor

a i n m u l t i p l e t r a n s a c t io n r e c o r d s in t h e b l o c k f o r t h e f o u r t r a n s a c t io n g o e s in t o t h e n e x t b lo c k , a n d t blocks .

None

A T C 0 1 is a n in c o m in g Sys tem w hen a m em b er s ends a c r e d i t t o t h e m , b u t it f a i le d t h e w r o n g w it h t h e t r a n s a c t io n . V i s a W it h in a T C 0 1 , T C R s 0 a n d T C R 9 c o n t a i n s in f o r m a t io n t h e o r i g i n a l d e s t in a t io n , o r i g i n a l r e t u r n e d , w h a t b a t c h it c a m e i n

t r a n s a c t io n t h a t is g e n e r a t e d b y t h e B A S E II C le a r in g i n a t r a n s a c t io n t h a t w o u l d h a v e r e s u l t e d in sy st em edi ts because t h e r e is s o m e t h i n g r e t u r n s t h e o r i g i n a l t r a n s a c t io n a s a T C 0 1 . t h r o u g h 8 c o n t a in t h e c o n t e n t s o f t h e r e t u r n e d it e m , id e n t if y i n g t h e o r ig i n a l t r a n s a c t io n ( t h a t is , s o u r c e , o r i g i n a l t r a n s a c t io n c o d e , w h y it g o t on, et c. ).

Exam pl e: A n a c q u i r e r s e n d s p u r c h a s e t r a n s a c t io n ( T C 0 5 ) t h a t is r e t u r n e d a T C 0 1 R e t u r n e d C r e d i t b e c a u s e it r e s u l t e d i n a c r e d i t t o t h e s o u r c e o f t h e tra n sa cti o n .

s e d o C n iot c a s n ar T

as

Fi n a n c ial Fl o w : T r a n s a c t i o – n V i s a to m e m b e r S e t t le m

en t

– D e b it t o m e m b e r

F e e – No n e T C 0 2 D e b it

–

R e t u r n e d

A T C 0 2 is a n in c o m in g t r a n s a c t io n t h a t is g e n e r a t e d b y t h e c le a r in g s y s t e m w h e n a m e m b e r s e n d s i n a t r a n s a c t io n t h a t w o u l d h a v e r e s u l t e d i n a d e b i t t o t h e m , b u t it f a i le d t h e s y s t e m e d i t s b e c a u s e t h e r e i s s o m e t h i n g w r o n g w it h t h e t r a n s a c t io n . Exam pl e: An acqui rer sends a cr edi t v oucher that doesn’ t pass r e t u r n s t h e t r a n s a c t io n a s a T C 0 2 R e t u r n e d D e b i t .

an edi t. Vi sa

Fi n a n c ial Fl o w : T r a n s a c t i o – n V i s a to m e m b e r S e t t le m

en t

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F e e – No n e

14

Ap r 20 07


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E x a m p le s ( c o n t in u e d )

T r a n s a c t io n C o d e and T y pe


T C

N o n - f in a n c i a l t r a n s a c t io n . A T C 0 3 is a n in c o m in g n o n - f in a n c i a l t r a n s a c t io n t h a t f a i le d a n e d it a n d is r e t u r n e d . N o n - f in a n c i a l t r a n s a c t io n s in c l u d e d a t a c a p t u r e a d v i c e s , f r a u d a d v i c e s , a n d IC S in p u t r e q u e s t s .

0 3

– R e t u r n e d


Exam pl e: A c a r d is s u e r in t h e U S r e c e i v e s a n a p p l ic a t io n f o r a c r e d i t c a r d a n d s e n d s i n t o V i s a a T C 3 0 I s s u e r ’ s C l e a r in g h o u s e S e r v ic e ( I C S ) q u e r y t o d e t e r m i n e t h e c r e d i t w o r t h i n e s s o f t h e a p p l ic a n t . V i s a is u n a b l e t o f o r w a r d t h e

q u e r y o n t o I C S w h e n t h e T C 3 0 f a i ls a n e d i t o f a m a n d a t o r y f ie l d a n d r e t u r n s t h e t r a n s a c t io n a s a T C 0 3 t o t h e is s u e r . Fi n a n c ial Fl o w :

s o Vis a

N on e

T C 0 4 – A T C 0 4 is a n in c o m in g t r a n s a c t io n t h a t n o t ifi e s t h e m e m b e r t h a t a t r a n s a c t io n R e cl a ss if ica t io n w a s r e c l a s s if i e d a n d d i d n o t r e c e i v e t h e f e e t h e m e m b e r t h o u g h t it w o u l d A d v i c e T r a n s a c t i o n g e t . W h e n a m e m b e r s u b m i t s a t r a n s a c t io n f o r c l e a r i n g , t h e y i n d i c a t e t h e in t e r c h a n g e r e i m b u r s e m e n t f e e f o r w h i c h t h e y b e l i e v e t h e t r a n s a c t i o n w il q u a l i f y . I f it d o e s n o t q u a li f y f o r t h e a n t i c i p a t e d f e e , V i s a g e n e r a t e s a T C 0 4 . W it h in a T C 0 4 , T C R s 0 t h r o u g h 7 c o n t a in t h e c o n t e n t s o f t h e s u b m it t e d it e m , a n d T C R 9 c o n t a i n s in f o r m a t io n id e n t if y in g w h a t f e e t h e y a s k e d f o r , w h a t f e e t h e y g o t , a n d t h e r e a s o n w h y t h e y d i d n ’ t r e c e i v e t h e a n t ic i p a t e d f e e . R e c l a s s i f ic a t io n a d v i c e s a r e a c o n f ig u r a t io n o p t io n : m e m b e r s s e l e c t w h e t h e r t h e y w a n t t o r e c e i v e t h e m , n o t r e c e i v e t h e m , o r h a v e t h e t r a n s a c t io n s e n t b a c k f o r c o r r e c t i o n if V is a r e c l a s s i f ie s it .

Tr a n s a c ti o n C o d e s

Exam pl e: A m e m b e r s u b m i t s a t r a n s a c t io n t h a t t h e y b e l ie v e q u a l i f i e s Passenger T r a n s p o r t f e e p r o g r a m b u t d o e s n o t i n c l u d e t h e r e q u ir e d i n f o r m d e t a i l i n g e a c h l e g o f t h e jo u r n e y . C o n s e q u e n t l y , t h e y d o n o t g e t t h e f e e a n d s e n d s t h e m a r e c l a s s i f ic a t io n a d v i c e in f o r m in g t h e m w h y t h e y d i d n o t q u a Fi n a n c ial Fl o w :

fo r th e a t io n Vi sa lif y .

None .

T C 0 5 – S a l e s D r a f t S u b m it t e d b y a n a c q u i r e r , a T C 0 5 d e b i t s t h e i s s u e r f o r t h e p u r c h a s e o f g o o d s o r Repr esen t m en t o r s e r v i c e s . I f t h e T C 0 5 ’ s U s a g e C o d e i s 1 , t h i s is a n o r i g i n a l t r a n s a c t io n ( t h a t is , t h e f ir s t t im e t h e a c q u i r e r h a s s u b m it t e d t h e t r a n s a c t io n ) . I f t h e is s u e r s e n d s t h e t r a n s a c t i o n b a c k , b u t t h e a c q u i r e r d e t e r m in e s it is v a l id a n d r e s u b m it s it , t h e a c q u i r e r c h a n g e s th e U s a g e Co d e to 2 a n d th e T C 0 5 b e c o m e s a S a l e s D r a f t R e p r e s e n t m e n t . I f t h e is s u e r s t i l d i s p u t e s i t , t h e n t h e t r a n s a c t io n g o e s in t o a r b i t r a t i o n . Exam pl e: A n a c q u i r e r s u b m it s a T C 0 5 S a l e s D r a f t f o r $ 4 1 . 9 5 , w i t h a U s a g e C o d e o f 1 . B A S E I p r o c e s s e s i t a s a n o r ig i n a l t r a n s a c t i o n a n d f o r w a r d s i t t o t h e is s u e r , w h o a c c e p t s i t . Fi n a n c ial Fl o w : T r a n s a c t i o – n A c q u i r e r t o is s u e r S e t t le m

en t

– Is s u e r t o a c q u i r e r

F e e – A c q u i r e r t o is s u e r

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T C 0 6 – C r e d it V o u c h e r ( A K A M e r c h a n d ise R etur n)

S u b m it t e d b y a n a c q u i r e r , t h e T C 0 6 i s a c a r d h o l d e r o r m e r c h a n t i n i t ia t e d c r e d i t v o u c h e r , t y p i c a l ly f o r r e t u r n e d m e r c h a n d i s e . H o w e v e r , a T C 0 6 c a n a l s o b e a n o r ig i n a l c r e d it , w h e r e t h e c a r d h o l d e r ’ s a c c o u n t is r e c e iv i n g a c r e d it w i t h o u t m e r c h a n d i s e b e i n g in v o l v e d , s u c h a s o n l in e g a m b l in g w in n in g s o r a g i f t f r o m s o m e o n e ( e . g . , A u n t M il ie h a s h e r b a n k c r e d i t y o u r V i s a a c c o u n t f o r $ 1 0 0 a s a b i r t h d a y g i f t t o y o u ) . T h e T C 0 6 i s a n o r i g i n a l t r a n s a c t io n : o n m e r c h a n d i s e r e t u r n s , V i s a d o e s n o t l i n k t h e c r e d i t v o u c h e r w it h t h e s a l e s d r a f t . C redi t voucher Exam and w sw eat ref und,


s can

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be repr esent ed.

c a r d h o l d e r o r d e r s a n o r a n g e s w e a t e r f r o m a n o n l in e m e r c h a n t er chantsends th e o r d e r , th e c a r d h o l d e r h a t e s th e c o l o r o f t h e d h o l d e r s e n d s th e u g l y o r a n g e s w e a t e r b a c k , a s k i n g fo r a m e r c h a n t is s u e s a c r e d i t v o u c h e r .

Fi n a n c ial Fl o w : T r a n s a c t i o – n A c q u i r e r t o is s u e r S e t t le m

en t

– A c q u ir e r t o i s s u e r


F e e – Is s u e r t o a c q u i r e r

T C 0 7 c a n b e e it h e r a c a s h d is b u r s e m e n t fr o m d i s b u r s e m e n t fro m a b a n k , c r u i s e s h i p , h o t e l , o r o t h e r v e n d o r .

T C 0 7 – C a s h D isb u r se m e n t

a n A T M

o r a m a n u a l c a s h

Exam pl e: A n A m e r ic a n c a r d h o l d e r v a c a t io n i n g in C a n c u n , M e x ic o , r u n s s h o r t o n c a s h a n d u s e s t h e i r V i s a c a r d t o g e t $ 2 0 0 in p e s o s f r o m t h e h o t e l ’ s f r o n t d e s k . T h e t r a n s a c t io n i s s u b m i t t e d a s a C a s h D is b u r s e m e n t . Fi n a n c ial Fl o w : T r a n s a c t i o – n A c q u i r e r t o is s u e r S e t t le m

en t

– Is s u e r

to acui rer

F e e – Is s u e r t o a c q u i r e r T C 1 0 – C o lle cti o n

T C in a Vi sa m em

F e e

1 0 s a r e b a n k - t o - b a n k t r a n s a c t io n s o r V is a - t o - b a n k t r a n s a c t io n s t h a t r e s u lt c r e d i t t o t h e o r i g i n a t o r a n d a d e b i t t o t h e d e s t i n a t i o n . I t is u s e d b y t o s e t t le f e e s s u c h a s m o n t h l y t r a n s a c t io n c h a r g e s , q u a r t e r ly f e e s , a n d b e r s h i p fe e s .

Fi n a n c ial Fl o w : T r a n s a c t i o – n S o u r c e t o d e s t i n a t io n S e t t le m

en t

– D e s t in a t i o n t o s o u r c e

F e e – No n e

14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

O v e r v ie w

A - 3

A p p e n d ix

A


T a b le

A -1

C o d e s







T C 1 5 – S a l e s D r a f tT C 1 5 s a r e t h e r e s u lt o f a s a le s d r a ft t h a t w e n t fr o m t h e a c q u ir e r t o t h e is s u e r, C har geb ack b u t t h e i s s u e r is n o w r e q u e s t i n g a c h a r g e b a c k b e c a u s e s o m e t h i n g w r o n g w it h t h e s a l e s d r a f t . T h e r e a r e m a n y t h i n g s t h a t c a n t r ig g e r a c h a r g e b a c k , s u c h as t h e t r a n s a c t io n w a s a b o v e t h e m e r c h a n t ’ s f lo o r l im i t w h i c h t h e m e r c h a n t d i d n o t a u t h o r iz e , o r a c a r d h o l d e r d i s p u t in g t h e t r a n s a c t io n , s a y i n g t h e y n e v e r p u r c h a s e d t h e it e m in q u e s t io n ( s e e O p e r a t in g R e g u la t io n s , D is p u t e R e s o l u t io n R u l e s , f o r f u l l l is t o f c h a r g e b a c k r e a s o n c o d e s a n d t h e ir s p e c i f ic c o n d it io n s ) .

C har gebacks a r e o r i g i n a t e d b y a c a r d is s u e r a n d a r e d e s t in e d t o a n E i t h e r t h e e n t ir e a m o u n t o f t h e t r a n s a c t io n c a n b e c h a r g e d b a c k o r a it . I n a m u l t ic u r r e n c y s i t u a t io n , t h e c h a r g e b a c k is v a l u e d u s i n g t h e ex change r a t e s t h e d a y t h e c h a r g e b a c k is p r o c e s s e d , n o t t h e d a t e t h e dr af t w as pr ocessed. D e s p i t e a n f lu c t u a t io n t h e e x c h a n g e r a t e s , t h e is a l w a y s m a d e w h o l e w it h t h e a m o u n t t h a t w a s in t h e o r i g i n a l s a l e s Exam pl m er chant recei ved. of the tow Tr a n s a c ti o n C o d e s

e: The car . The car dhol T h e i s s u e r is els and sheet

acqui rer . p o r t io n o f cur ren cy sal es c a r d h o ld e r dr af t.

d h o l d e r p u r c h a s e d s h e e t s a n d t o w e l s f r o m a n In t e r n e t d e r ’ s a c c o u n t is c h a r g e d b u t t h e m e r c h a n d i s e i s n e v e r s u b m it t in g a c h a r g e b a c k t o t h e a c q u i r e r f o r t h e a m o u n t s.

Fi n a n c ial Fl o w : T r a n s a c t i o – n Is s u e r t o a c q u i r e r S e t t le m

en t


F e e – Is s u e r t o a c q u i r e r T C 1 6 – C redi t Vouche C har geb ack

T C 1 6 s a r is s u e r , b u t t h e to p os t to the acqui rer usi ng

r

e th e is s u e r car dhol a TC 1

re s u is n o w d e r ’s 6 . Thi

lt o f reques t account s situat

a c re in g a . The io n d o e

d it t r a n s a c t io n t h a t w e n t fr o m char geback because it w a s n o t a b l e is s u e r s e n d s a c h a r g e b a c k t o t h e sn’ t occur ver y of ten.

Exam pl e: T h e is s u e r r e c e i v e d a c r e d i t t r a n s a c t io n a n d to th e a c c o u n t b e c a u s e th e a c c o u n t h a d b e e n c lo s e d .

w as not ab l e to p os t i t


en t

– Is s u e r t o a c q u i r e r


A - 4



1 4 A pr 2 0 0 7

t h e a c q u ir e r t o t h e

A p p e n d ix

A


T a b le

A -1

C o d e s





T C 1 7 – C a s h D isb u r se m e n t C har geb ack

T C 1 7 s a re th e f r o m t h e a c q u ir e r t o T h e is s u e r s e n a m o u n t o f t h e tra n s a c


pl e, an d Fi na nci al Fl ow re the d s t io n

s u lt is s u e r a c h can

o f a c a s h d is b u , b u t t h e is s u e r i s n o w a rg e b a c k to th e be char ged back or a

r s e m e n t ( e it h e r A T M o r m a n u a l) t h a t w e n t r e q u e s t in g a c h a r g e b a c k . a c q u ir e r u s in g a T C 1 7 . E it h e r t h e e n t ir e p o r t io n o f i t .

E x a m p l e : T h e c a r d h o l d e r r e q u e s t e d $ 1 0 0 f r o m a n A T M b u t o n l y r e c e iv e d $ 8 0 . T h e c a r d h o ld e r ’s b a n k r e q u e s t s a $ 2 0 C a s h D is b u r s e m e n t C h a r g e b a c k . Fi n a n c ial Fl o w : T r a n s a c t i o – n Is s u e r t o a c q u i r e r S e t t le m

en t



T C 2 0 s a r e b a n k - t o - b a n k t r a n s a c t io n s o r V is a - t o - b a n k t r a n s a c t io n s t h a t r e s u lt in a d e b i t t o t h e o r i g i n a t o r a n d a c r e d i t t o t h e d e s t i n a t io n ( f o r e x a m p l e , t o d i s t r ib u t e r e w a r d s f o r c a r d r e c o v e r y ) . T h e o p p o s i t e o f T C 2 0 s a r e T C 1 0 s F e e C o lle c t i o n .

T C 2 0 – F u n d s D isb u r se m e n t


Exam pl e: A c a r d t h a t h a s b e e n r e p o r t e d s t o l e n b y B a n k A i s c o n f is c a t e d b y B a n k B ’ s m e r c h a n t w h e n s o m e o n e t r i e s t o u s e i t in h i s o r h e r s t o r e . B a n k A u s e s a T C 2 0 t o s e n d t h e $ 5 0 r e w a r d t o B a n k B , w h i c h f o r w a r d s it t o t h e m er chan t. Fi n a n c ial Fl o w : T r a n s a c t i o – n S o u r c e t o d e s t in a t io n S e t t le m

en t

– S o u r c e t o d e s t in a t i o n

F e e – No n e T C 2 5 – S a l e s D r a f tT C 2 R ever sal such T h e de bi t usi ng

5 s a as the a c q u to the the cur

r e s u b m it t e d b y a n a c q u i r e r a c c i d e n t a l ly s e n d ir e r s e n d s in a T C c a r d h o l d e r. I n a m u l t ic u r re n c y e x c h a n g e ra t e s fro m

a c q u ir e r t o r e v e r s e t h e r e s u lt o f a p r o c e s s in g e r r o r, in g t h r o u g h t h e o r ig i n a l s a l e s d r a f t t w ic e . 2 5 S a le s D r a ft R e v e r s a l, t o t a lly u n d o in g t h e T C 0 5 r e n c y s i t u a t io n , t h e r e v e r s a l is v a l u e d the day the sal es dr af t w as pr ocess ed.

Exam pl e: A n e w s a l e s c l e r k m is t a k e n l y c h a r g e s a c a r d h o l d e r t w ic e f o r t h e s a m e it e m . T h e m e r c h a n t ’ s b a n k s e n d s in a T C 2 5 t o r e v e r s e t h e s e c o n d s a le s d r a f t . Fi n a n c ial Fl o w : T r a n s a c t i o – n A c q u i r e r t o is s u e r S e t t le m

en t



14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

O v e r v ie w

A - 5

A p p e n d ix

A


T a b le

A -1

C o d e s






T C 2 6 – C r e d it V o u c h e r R e v e r s a l

T C 2 6 s a r e s u b m it t e d b y a n a c q u ir e r t o r e v e p r o c e s s i n g e r r o r , s u c h a s a c a r d h o ld e r b e i n g c r e d i t e d t w i c e f o r it e m . I t t o t a l l y u n d o e s t h e e f f e c t s o f a d o u b l y - p r o c e s s e d TC 0 6 r e s u lt in g in a d e b i t t o t h e c a r d h o l d e r . I n a m u l t ic u r r e n c y s i t u a is v a l u e d u s i n g t h e c u r r e n c y e x c h a n g e r a t e s f r o m t h e d a y t h e w a s o r ig i n a l y p r o c e s s e d . Exam pl e : $ 1 0 0 in w in n i s u b m it s a T C Cr edi t Voucher

An ngs 26 fo r

pl e, an d Fi na nci al Fl ow r s e t h e r e s u lt o f a c r e d it v o u c h e r one ret ur ned C redi t Vou cher , t io n , t h e r e v e r s a l cr edi t v oucher

o n l i n e g a m b l i n g c a s i n o c r e d i t s a c a r d h o l d e r ’ s a c c o u n t w it h w h e n t h e c a r d h o l d e r a c t u a l ly w o n $ 1 0 . T h e a c q u i r e r ’ s b a n k Cr e d i t V o u c h e r R e v e r s a l to re v e r s e th e $ 1 0 0 c r e d i t a n d T C 0 6 th e $ 1 0 .


en t


F e e – A c q u i r e r t o is s u e r Tr a n s a c ti o n C o d e s

T C 2 7 s a r e s u b m it t e d b y a n a c q u ir e r t o r e v e r s e t h e r e s u lt o f a c a s h d i s b u r s e m e n t e r r o r , s u c h a s a n A T M t r a n s a c t io n t h a t w a s i n a d v e r t e n t l y s e n t t o V i s a t w ic e .

T C 2 7 – C a s h D isb u r se m e n t R ever sal

Exam Visa the disc th e

car hot over sec

pl e: d to elm s the ond

A n A m e r ic a n c a r d h o l d e r v a c a t i o n i n g o b t a i n $ 2 0 0 in p e s o s f r o m t h e f r o n t i s t a k e n l y p u t s t h e t r a n s a c t io n t h r o u g h e r r o r a n d a s k s t h e h o t e l ’s p r o c e s s o r cas h disbur sem ent .

in C a n c u n , M e x i c o u s e s t h e i r d e s k o f th e i r h o t e l , b u t t w ic e . T h e h o t e l m a n a g e r t o s e n d in a T C 2 5 t o r e v e r s e


en t

– Is s u e r

to acqui rer

F e e – A c q u i r e r t o is s u e r T C

3 0

– I C S

I n p u t

T C 3 0 ’s a r e f o r w a r d s it in f o r m a t io n C le a r in g h o u R evi ew S er a T C 3 1 IC

u s e d b y i s s u e r s t o s u b m i t c a r d a p p l i c a n t i n f o r m a t io n t o V i s a , w h i c h t o a t h i r d p a r t y t o v e r if y t h e a p p l ic a n t ’ s c r e d it c a r d h i s t o r y a n d c r e d it . I n t h e U . S . , t h e t h i r d p a r t y d o in g t h e c r e d it c h e c k is t h e I s s u e r ’ s s e S e r v i c e ( I C S ) , a n d o u t s i d e t h e U . S . it is t h e N a t io n a l A p p lic a t io n v ic e ( N A R S ) . T h e t h i r d p a r t y r e s p o n d s b a c k t o t h e is s u e r b y s e n d i n g S R esponse T r a n s a c t io n t o V i s a , w h i c h f o r w a r d s i t t o t h e i s s u e r .

Exam pl e: A n i s s u i n g b a n k in t h e U S s e n d s V i s a a T C 3 0 c o n t a i n i n g i n f o r m a t io n g i v e n t o t h e m b y a n a p p l i c a n t f o r a V i s a c a r d . V i s a f o r w a r d s it t o I C S f o r v e r ifi c a t io n . Fi n a n c ial Fl o w : T C 3 1 – I C S Re spo n se T r a n s a c t io n F il e

U s e d b y e i t h e r I C S o r N A R S t o s e n d c r e d i t h i s t o r y in f o r m a t io n a b o u t a V i s a c a r d a p p l i c a n t t o a n is s u i n g b a n k . I t is s e n t i n r e s p o n s e t o a T C 3 0 . ( S e e T C 3 0 – I C S I n p u t in f o r m a t io n a b o v e . ) Fi n a n c ial Fl o w :

A - 6



None

None

1 4 A pr 2 0 0 7

A p p e n d ix

A


T a b le

A -1

C o d e s






T C 3 2 – N M Request s an d Re spo n ses

T C 3 2 s u p p o r t s m u lt ip le r is k m a n a g e m e n t s e M e r c h a n t A l e r t S e r v ic e ( N M A S ) a n d M e r c h a n t P e r f o r m a n c e R e p o r A c q u ir e r s u s e t h e T C 3 2 t o r e q u e s t N M A S a n d d u r in g t h e m e r c h a n t a c q u is i t io n p r o c e s s , a n d t o a d d t e r m in a t e d t h e d a t a b a s e . N M A S d a t a i s r e t u r n e d u s in g a T C 3 2 . M P R r e p o r u s i n g T C 4 5 G e n e r a l D e l i v e r y R e p o r t t r a n s a c t io n .

A S

pl e, an d Fi na nci al Fl ow r v ic e s , in c lu d in g t h e N a t io n a l t in g ( M P R ) . M P R d a t a t o e v a lu a t e m e r c h a n t s m er chan ts to ts a r e re t u r n e d

Exam pl e: A n a c q u i r in g b a n k s e n d s V i s a a T C 3 2 c o n t a i n i n g in f o r m a t io n o n a m e r c h a n t t h e y h a v e ju s t t e r m i n a t e d f o r p o o r p e r f o r m a n c e . V i s a f o r w a r d s i t t o M P R f o r a d d it io n t o t h e i r d a t a b a s e o f in f o r m a t io n . Fi n a n c ial Fl o w :

None

T C 3 3 is u s e d b y V is a t o s e n d a v a r ie t y o f n o n - fin a n c ia l m e s s a g e s t o m e m b e r s , in c l u d in g u p d a t e s t o t h e e d it p a c k a g e B I N t a b le s a n d I n t e r lin k r o u t in g t a b le s , e n r o l lm e n t in f o r m a t io n f o r V i s a E x t r a s , a n d V i s a E x t r a D a i ly P o in t B a l a n c e s .

T C

3 3 – M u lt i- P u r p o se M ess ag e T r a n s a c t io n s

Exam pl e: V i s a s e n d s a T C 3 3 t o a n is s u e r t o n o t if y t h e m t h a t o n e oft hei r c a r d h o l d e r s h a s e n r o l l e d in t h e V i s a E x t r a s p o i n t p r o g r a m v i a t h e V i s a E x t r a ’ s w eb site. Fi n a n c ial Fl o w :


N on e

T C 3 5 r e v e r s e s a T C 1 5 S a le s D r a ft C h a r g e b a c k . O n t h e T C 1 5 t h e is s u e r r e q u e s t e d a c h a r g e b a c k b u t b y s u b m it t in g t h e T C 3 5 is n o w a s k in g f o r t h a t t o b e r e v e r s e d , t y p i c a l ly b e c a u s e o f a d u p l ic a t e f ile .

T C 3 5 – S a le s D raf t C har geba ck R ever sal

Exam pl e: A n is s u e r d i s c o v e r s t h a t t w o c h a r g e b a c k s s a l e s d r a f t a n d c o r r e c t s t h e m is t a k e b y s e n d i n g a T C 3 5

rever s e one

of the char gebacks

g o t s e n t in f o r t h e s a m e to th e a c q u i re r to

.


en t

– Is s u e r

to acqui rer

F e e – Is s u e r t o a c q u i r e r T C C redi C har R ever

3 6 – t Vouche geb ack sal

T C 3 6 r e v e r s e s a T C 1 6 C r e d it V o u c h e r C h a r g e b a c k . O n t h e T C 1 6 t h e is s u e r r e q u e s t e d a c h a r g e b a c k b u t b y s u b m it t in g t h e T C 3 6 is n o w a s k in g f o r t h a t t o b e r e v e r s e d , t y p i c a l ly b e c a u s e o f a d u p l ic a t e f ile . T h i s s i t u a t io n o c c u r s r a r e l y .

r

Exam pl e: A n is s u e r d i s c o v e r s t h a t t w o c h a r g e b a c k s g o t s e n t in f o r t h e s a m cr edi t v oucheran d c o r r e c t s t h e m is t a k e b y s e n d i n g a T C 3 6 t o t h e a c q u i r e r to rever s e one of the char geb acks .

e


en t

– A c q u ir e r t o is s u e r


14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

O v e r v ie w

A - 7

A p p e n d ix

A


T a b le

A -1

C o d e s







T C 3 7 – C a s h D isb u r se m e n t C har geb ack R ever sal

T C 3 7 r e v e r s e s a T C 1 7 C a s h D is b u r s e m e n t C h a r g e b a c k . O n t h e T C 1 7 , t h e is s u e r r e q u e s t e d a c h a r g e b a c k b u t b y s u b m i t t in g t h e T C 3 7 , i s n o w a s k i n g f o r t h a t t o b e r e v e r s e d , t y p i c a l ly b e c a u s e o f a d u p l ic a t e f ile . Exam pl e: A n is s u e r d i s c o v e r s t h a t t w o c h a r g e b a c k s g o t s e n t in f o r t h e s a m e cas h disbur sem entand c o r r e c t s t h e m is t a k e b y s e n d i n g a T C 3 7 t o t h e a c q u i r e r to rever s e one of the char geb acks . Fi n a n c ial Fl o w : T r a n s a c t i o – n Is s u e r t o a c q u i r e r S e t t le m

en t

– Is s u e r

to acqui rer

F e e – Is s u e r t o a c q u i r e r T C 3 8 Copy Requ S e r v i c e /C D ocum ent A u t o m a Se rvice M


T C 3 8 is p a r t o f V is a ’s a u t o m f u l f il m e n t s e r v i c e m e s s a g e s and docu m ent T C 3 8 a d v ic e s a r e a u t o m a t ic a c h a rg e b a c k s (T C 1 5 , 1 6 , 1 7 ), a n d re p r e s e n t c o d e 2 ) ( V D A S a d v ic e s ) .

– es t ha rge ba ck a t io n t io n essag e

a te a t io n lly m ent

d s y s t e m fo r p r o c e s s in g c o p y r e q u e s t s , a u t o m a t io n s e r v i c e m e s s a g e s . c r e a t e d fr o m T C 5 2 s ( V C R F S a d v ic e s ) , s (T C 05 , 06 , 07 us age

W h e n a c a r d h o ld e r in fo r m s a n is s u e r t h a t a c h a r g e is in c o r r e c t , t h e i s s u e r s e n d s a T C 5 2 R e q u e s t f o r P h o t o C o p y t o o b t a i n p h o t o c o p y o f t h e o r ig i n a l s a le s d r a f t s h o w in g c a r d h o l d e r ’ s s i g n a t u r e . I p r o c e s s e s t h e T C 5 2 a n d a u t o m a t ic a l ly c r e a t e s T C 3 8 V C R F S a d v ic e s b e s e n t t o t h e a c q u i r e r a n d is s u e r I m a g E x p r e s s w o r k s t a t io n s . T h e a c q u i w o r k s t a t io n r e s p o n d s w it h a T C 3 9 ( t h e i m a g e o f t h e r e c e i p t ) a s p a r t o f n o r m a l in t e r c h a n g e c l e a r in g c y c l e . T C 3 8 is u s e d t o c o n v e y ( d e s c r ib i n g h o w t h e s a l e s d r a f t is A u t o m a t io n S e r v ic e ( V D a c q u i r e r t o in f o r m t h e is s u e r t h a t A ft e r o b t a in in g t h e t h e is s u e r t h a t t h e c h a r g e D raf t C har geb ack, to rei m 15 and cr eat es T C 38 VD Im a g E x p r e s s w o r k s t a t io n s . d o c u m e n t a t io n s u p p o r t in g

V C R F f i le d ) , a s A S ) m t h e r e is

S a d v w ella s e s s a g no signat

p h o to c o p y o f t is f r a u d u l e n t . T h e i s s bur se the car dhol der . A S a d v ic e s t o b e s e n t t T h e is s u e r w o r k s t a t io n the char geback.

o n t h e ir m o n t h ly s t a t e m e n t a B AS E to r e r ’s it s

ic e s , n o n - fu lf illm e n t a n d p ic k lis t m e s s a g e s V i s a N e t D o c u m e n t a t io n e s . A T C 3 8 c a n a ls o b e u s e d b y a n ur e on recor d.

h e s a le s d r a ft , t h e c a r d h o ld e r m a y in fo r m uer sends a TC 15 , Sal es B A S E II p r o c e s s e s t h e T C o t h e a c q u i r e r a n d is s u e r r e s p o n d s v i a t h e T C 3 9 w it h

Exam pl e: A n a c q u i r e r r e c e i v e s a T C 5 2 f r o m a n is s u e r w h o s e c a r d h o l d e r is d i s p u t in g a c h a r g e . T h e a c q u i r e r r e s p o n d s w i t h a T C 3 8 , in d i c a t i n g t h e t r a n s a c t io n w a s a p h o n e o r d e r a n d t h e r e is n o s i g n a t u r e t o c o p y a n d s e n d . Fi n a n c ial Fl o w :

A - 8



None

1 4 A pr 2 0 0 7

A p p e n d ix

A


T a b le

A -1

C o d e s


T r a n s a c t io n C o d e and T y pe T C 3 9 – A u t o m C o p y F u llf illm e n t



a t e d T C 3 9 is g e n e r a t e d in o f t h e o r ig i n a l s a l e s d r a f t . A n im o f a d i s p u t e . T h e fo r m a t o f t h e w it h a h e a d e r t h a t s h o w s w h e r T C 3 9 s te n d to b e v e r Exam

pl e:


pl e, an d Fi na nci al Fl ow re s p o n s e to a T C 5 2 a g e o f t h e t r a n s a c t io n is r e q u T C 3 9 is b a s i c a l ly a n e n v e l o p e e it is g o i n g . B e c a u s e o f t h e i y la r g e in s iz e .

A n a c q u i r e r r e c e iv e s a T C 5 2

fro m

, a n d i r e d in fo r th e r gr aphi

a n is s u e r w

p r o v id e s a n e le c t r o n ic im a g e the case im a g e , calcont ent ,

hos e car dhol der

is d i s p u t in g a c h a r g e , s a y i n g h e n e v e r p u r c h a s e d t h e it e m . T h e s y s t e m a u t o m a t ic a l ly g e n e r a t e s a T C 3 8 ( s e e a b o v e ) , a n d a c q u i r e r r e s p o n d s to the TC 5 2 w it h a T C 3 9 s h o w i n g a n e l e c t r o n i c im a g e o f t h e s i g n e d s a l e s d r a f t .

T C 4 0 – A d v ic e

F r a u d

Fi n a n c ial Fl o w :

None

T h e T C 4 0 s e rv e f r a u d u l e n t c a r d h o ld e r o r F r a u d R e p o r t in g S y s t e m repo rts to m em ber s. M f r a u d r e p o r t in g r e q u i r e m in it ia t iv e s , o r b o t h .

s a s a n e n v e lo p e fo r a n is s u e r o r a n a c q u ir e r t o r e p o r t m e r c h a n t t r a n s a c t io n s t o t h e S y s t e m a n d V i s a ’ s . I t i s a l s o u s e d f o r i n c o m i n g o p t io n a l p r in t i m a g e e m b e r s m u s t e l e c t r o n i c a l ly r e p o r t a l l f r a u d t o V i s a , b u t e n t s m a y b e e f f e c t e d b y s p e c i f ic p r o g r a m s , r e g i o n a l

W h e n V is a ’s F r a u d u n it i s c o m p l e t e . I f t h e m e m b e r d a i ly a V i s a - g e n e r a t e d T C 4 0 im a g e t h a t li s t s f o r t h e s e n d e w hi ch w er e accept ed but nee w hi ch w er e reject ed and requi h a s s e l e c t e d w e e k l y r e p o r t in g ,


it r e c e iv e s a T C 4 0 , it e d it s t h e in fo r m a t io n t o d e t e r m in e if h a s o p t e d f o r d a i ly r e p o r t in g , t h e F r a u d u n i t s e n d s T r a n s a c t io n R e s p o n s e R ecor d cont ain a repor t r w h i c h o f th e i r fr a u d a d v i c e s w e r e a c c e p t e d , d a d d it io n a l i n f o r m a t i o n a n d r e s u b m i s s i o n , a n d r e c o r r e c t io n a n d r e s u b m i s s i o n . I f t h e m e m b e r t h e y r e c e i v e w e e k l y a T C 4 5 p r in t im a g e r e p o r t .

Ep xu r a m c h a s p e l e m : a d e A n w i t i hs s ua i n gs t o l b e a n n c k r e gd a i t t c h a e rr sd t a h n e d r e s q eu n d s i r e d a f r T a uC d 4 0 a d v i t o c e V i s d a a t t ao ra e d g d a r td h i e n g a f r a u d u le n t t r a n s a c t io n t o t h e V i s a F r a u d M a s t e r F i le . Fi n a n c ial Fl o w : T C 4 2 – M F i le U p d a t e s

e r c h a n t

N on e

T h e T C 4 2 s e r v e s a s a n e n v e lo p e fo r a c m e r c h a n t u p d a t e in f o r m a t io n . V i s a m a i n t a i n s a la r g e d a t o n m e r c h a n t s w h o a c c e p t V i s a c a r d s . T h i s in f o r m a t io n m e r c h a n t c o m p l ia n c e t o t h e O p e r a t i n g R e g u l a t i o n s , a n d N a t io n a l M e r c h a n t M a i lin g F i le u s e d f o r d i s t r ib u t in g t h e

q u ir abase is u s e d fo r m C ar d

e r s t o r e p o r t t o V is a r e q u ir e d o f in f o r m a t io n fo r tra c k i n g ai nt ai ni ng the R e c o v e r y B u l le t in .

Exam pl e: A n a c q u i r i n g b a n k g a t h e r s t h e r e q u i r e d i n f o r m a t io n o n h i s n e w m e r c h a n t s a n d s e n d s a T C 4 2 t o V i s a t o a d d t h e d a t a t o t h e N a t io n a l M e r c h a n t M a ilin g F i le . Fi n a n c ial Fl o w :

14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

N on e

O v e r v ie w

A - 9

A p p e n d ix

A


T a b le

A -1

C o d e s







T C 4 4 s a r e V is a - t o - m e m b e r t r a n s a c t io n s c o n t a in in g in fo r m a t io n a b o u t t h e b a t c h e s th a t th e m e m b e r h a s s e n t t o V i s a ( i. e . , b a t c h n u m b e r , n u m b e r o f e n t t r a n s a c t io n s in t h e b a t c h , d o l a r a m o u n t o f t h e b a t c h , d i s p o s i t i o n o f t h e b a t c h , e t c ) . T h i s i n f o r m a t i o n i s u s e d b y t h e i n c o m in g e d i t p a c k a g e t o m a t c h w h a t w a s s e n t b y t h e m e m b e r a g a i n s t w h a t V i s a a c k n o w le d g e s r e c e i v in g , a n d th e n p r o d u c e re p o r ts fo r th e m e m b e r .

T C 4 4 – C o l le c t io n B a t c h A c k n o w le d g e m

Exam pl e: A m e m b e r r e c e i v e s a T C 4 4 f r o m V i s a r e p o r t in g a b a t c h w a s r e c e iv e d a n d v e r if y i n g t h e in f o r m a t io n in t h e b a t c h . Fi n a n c ial Fl o w : T C 4 5 – G e n e r a l D e l iv e r y R e p o r t

N on e

T C 4 5 ’s a r e u s e d b y V is a t o s e n d t o m e m b e r s a v a r ie t y o f p r in t a b le r e p o r t s t o m e m b e r s ( s e t t le m e n t , S M S , f r a u d , e t c . ) . Exam pl e: A s m a l l c r e d i t u n i o n r e c e i v e s a T C 4 5 o f s e t t le m e n t i n f o r m a t i o n f r o m V i s a . T h e y p r in t o u t t h e r e p o r t a n d a c l e r k r e c o n c i l e s t h e f i g u r e s a g a i n s t the ban k’ s recor ds. Fi n a n c ial Fl o w :


T C 4 6 – M e m S e t t le m e n t D a t a

b e r

N on e

T C 4 6 ’s a r e u s e d b y V is a t o s e n d t o m e m b e r s s e t t le m e n t d a t a in m a c h i n e - r e a d a b l e f o r m a t , i f t h e m e m b e r w a n t s t o r e c o n c i le w i t h V i s a i n a n aut om at ed w ay . Exam pl e: A la r g e b a n k r e c e i v e s a T C 4 6 o f s e t t le m e n t in f o r m a t io n f r o m V i s a . T h e in fo r m a t io n is fe d in t o a p r o g r a m , w h ic h r e c o n c ile s t h e fig u r e s a g a in s t the ban k’ s recor ds. Fi n a n c ial Fl o w : None T C 4 7 ’s a r e u s e d b y V is a t o t r a n s m it t o a c q u ir e r s a r e p o r t o n a u t h o r iz a t io n p ro ce ssi n g a cti vity.

T C 4 7 – R e p o r t G e n e r a t io n .

Fi n a n c ial Fl o w : T C 4 8 – A d v ic e

B A S E

None

T C 4 8 s a r e u s e d t o in fo r m m e m b e r s o f o n lin e a u t h o r iz a t io n s p e r fo r m e d o n t h e i r b e h a l f b y V i s a . W h e n a V i s a c a r d is s u e r is u n a v a i l a b l e t o r e s p o n d to an a u t h o r iz a t io n r e q u e s t w it h i n a d e f in e d p e r io d ( t y p i c a l ly 1 0 t o 2 0 s e c o n d s ) , V i s a c a n p e r f o r m S t a n d - In P r o c e s s i n g ( S T I P ) f o r t h e m , r e s p o n d i n g t o t h e r e q u e s t b a s e d o n c r it e r i a s e t b y t h e i s s u e r . T h e is s u e r c a n a l s o c h o o s e t o u s e s t a n d - i n p r o c e s s i n g f o r a l l t r a n s a c t io n s u n d e r a c e r t a i n d o l a r lim it . I f S T I P p r o c e s s i n g w a s p e r f o r m e d , t h e s y s t e m s e n d s a T C 4 8 B A S E I a d v ic e t o t h e is s u e r s o t h a t t h e y c a n u p d a t e t h e c a r d h o l d e r ’ s “ o p e n t o b u y ” b a l a n c e . I n r a r e in s t a n c e s , T C 4 8 ’ s a r e s e n t b y a c q u i r e r s t o n o t if y is s u e r s w h e n a c h i p c a r d in t e r a c t in g w it h a t e r m in a l i n a n o f f lin e e n v i r o n m e n t d e c i d e s t o d e c l in e a t r a n s a c t io n . Is s u e r s h a v e t h e o p t io n o f r e c e i v i n g T C 4 8 ’ s t h r o u g h B A S E I I o r h a v i n g t h e m h e l d u n t i l t h e y r e t r ie v e t h e m v i a t h e o n l in e s y s t e m .

I

Exam pl e: A m e m b e r ’ s s y s t e m i s g o e s d o w n f o r a m in u t e a n d d u r in g t h a t t i m e V i s a p e r f o r m s S t a n d - I n P r o c e s s in g o n t w o t r a n s a c t i o n s . V i s a s e n d s t w o T C 4 8 s t o t h e m e m b e r t o in f o r m t h e m o f t h e a u t h o r i z a t io n s p e r f o r m e d o n t h e i r b e h a l f . Fi n a n c ial Fl o w :

A - 1 0



None

1 4 A pr 2 0 0 7

A p p e n d ix

A


T a b le

A -1

C o d e s





T C 5 0 M ess ag e

T C 5 0 s a r e u s e d b y V is a a n d m u n f o r m a t t e d , t e x t m e s s a g e s . T C 5 0 ’s a r e c a r d s t o i n c l u d e a d d i t io n a l d a t a t h a t i s t o o m ess age. T C 50 s can be chai ned toget her a p ur chas i ng car d, TC 5 0 s can b e s t rung lin e it e m in f o r m a t i o n ) .

–

F r e e

T e x t


pl e, an d Fi na nci al Fl ow e m b e rs to u s e d h e a v i l y w it h l a r g e t o b e in c l u d t o c r e a t e la r g e m toget her to add

s e n d a com m er e d in t h e ess ages ex tens i v e

Exam pl e: I n a n a i r li n e t r a n s a c t io n , t h e d a t a d e s c r i b i n g u p t o 3 2 p a r t ic u l a r t i c k e t c a n b e in c l u d e d i n a T C 5 0 . Fi n a n c ial Fl o w : T C 5 2 – R e q u e s t for Phot ocopy or S ub st it ute D r aft

w id e v a r ie t y o f n o n - fin a n c ia l, cialcr edi t f in a n c i a l (e . g . , o n in v o i c e

le g s o f a

None

T C 5 2 s a r e r e q u e s t s fo r a c o p y o f t h e o r ig in a l s a le s d r a ft . A n im a g e o f t h e o r i g i n a l t r a n s a c t i o n i s r e q u i r e d in t h e c a s e o f a d i s p u t e . A T C 3 9 is g e n e r a t e d in r e s p o n s e t o t h e T C 5 2 , a n d p r o v i d e s a n e l e c t r o n i c im a g e o f t h e o r ig i n a l s a le s d r a f t . Exam pl e: A n i s s u e r w h o s e c a r d h o l d e r i s d i s p u t i n g a c h a r g e s e n d s in a T C 5 2 , r e q u e s t in g a c o p y o f t h e o r ig i n a l s a l e s d r a f t . T h e a c q u i r e r r e s p o n d s w it h a T C 3 8 a n d a T C 3 9 , s h o w in g a n e l e c t r o n i c im a g e o f t h e s i g n e d s a l e s d r a f t . Fi n a n c ial Fl o w :

None

T C 5 4 s a r e u s e d b y V is a t o s e n d m e m b e r s a r e p la c e m e n t c o p y o f B IN a n d a c c o u n t r a n g e d e f in i t io n t a b l e r e c o r d s . T C 5 4 s c a n b e c h a i n e d t o g e t h e r t o c r e a t e la r g e m e s s a g e s

T C 5 4 – T a b le Updat e D at a

t a b le s

Exam pl e: A m e m b e r w h o s e B I N f i le s h a v e b e c o m e c o r r u p t e d r e q u e s t s a r e p l a c e m e n t c o p y . V i s a s e n d s t h e m e m b e r t h e r e p l a c e m e n t f il e s v ia a s t r i n g o f

T C 5 4 s . Fi n a n c ial Fl o w :

N on e

T C 5 5 s a r e a n e le c t r o n ic v e r s io n o f t h e C a r d R e c o v e r y B u lle t in , in fo r m in g m e m b e r s o f lo s t a n d s t o l e n c a r d s a n d b l o c k e d B I N s . T h e y p r o v i d e a c q u i r e r s w i t h m e a n s o f i d e n t i f y i n g c a r d s t h a t is s u e r s n o l o n g e r h o n o r a n d w o u l d l ik e c o n f is c a t e d . I f a c a r d h o l d e r r e p o r t s a c a r d a s lo s t o r s t o l e n , t h e ir is s u e r n o t if ie s V i s a o f t h e a c c o u n t n u m b e r v i a t h e i r o n l in e c o n n e c t io n . T h e y a l s o g i v e t h e c a r d a pick -up code,and in d i c a t e i n w h i c h r e g i o n s t h e y w a n t t h e c a r d n u m b e r b l o c k e d f o r t r a n s a c t io n s . V i s a m a i n t a i n s a c a r d h o l d e r d a t a b a s e a n d e x t r a c t s in f o r m a t io n t o c r e a t e t h e C a r d R e c o v e r y B u l le t in in p a p e r , C D - R O M , a n d T C 5 5 s . I n a d d i t i o n t o li s t in g w h i c h c a r d n u m b e r s h a v e b e e n l o s t o r s t o l e n , T C 5 5 ’ s a l s o r e p o r t B I N n u m b e r s t h a t h a v e b e e n b l o c k e d ( a n y c a r d is s u e d b y t h a t B I N i s n o l o n g e r v a l id ) .

T C 5 5 – R C R F (R egi on al C ar d R e c o v e r y F i le s U pd at e) .

Exam pl e: A n is s u e r s e n d s f ile u p d a t e s c o n t a i n i n g s t o l e n a n d lo s t c a r d n u m b e r s t o V i s a . T h e C a r d R e c o v e r y S e r v ic e u s e s t h i s d a t a t o c r e a t e t h e C a r d R e c o v e r y B u l l e t i n , w h i c h t h e y d i s t r ib u t e w o r ld w i d e v i a p a p e r c o p i e s , C D s , a n d T C 5 5 s . Fi n a n c ial Fl o w :

14

Ap r 20 07


BASE

II C l e a r i n g

Sy stem

None

O v e r v ie w

A -1 1


A p p e n d ix

A


T a b le

A -1

C o d e s





T C 5 6 – C u r r e n c y C o n v e r si o n R a t e U pda te

T C rat e cent that con Exam

5 6 s a re u s e d f i le t o t h e p r o c e s s i er s ar e pr ovi ded w V i s a N e t In t e r c h a n g e f id e n t ia l a n d m a y b e pl e:

b y V ng cen it h t h e C ent us ed

Fi n a n c ial Fl o w :


is a t e r ’s sam er s onl y

t o t r a n s m it d a ily u p o f s u b s c r ib i n g m e m b e r s . S e C ur rency C onver sion R at e use. The cont ent s of the TC b y V i s a a n d it s m e m b e r s .

A m e m b e r in V a n c o u v e r

r e c e i v e s d a i ly T C 5 6 s t o k e e p c u r r e n c i e s t h e y d e a l in .

T C 5 7 – D at a Capt ur e T r a n s a c t io n



, C anada,

d a t e s o f t h e c u r r e n c y c o n v e r s io n u b s c r ib i n g in f o r m a t io n 5 6 f i le a r e

a m u l t i- c u r r e n c y

in f o r m e d o f t h e V i s a b u y a n d

envi ronm

ent ,

s e l l r a t e s o f th e

N on e

T C 5 7 s a r e u s e d b y V is a t o s e n d a c q u ir e r s in fo r m a t io n a b o u t a p a r t ic u la r t r a n s a c t io n s o t h e y c a n s u b m it t h e t r a n s a c t io n a s a s a l e s d r a f t . T h i s t y p i c a l ly is A d v i c e needed w h e n a n a c q u i r in g b a n k s i g n s u p m e r c h a n t s b u t o u t s o u r c e s t h e P o i n t o f S a l e t e r m in a l n e t w o r k t o a t h i r d - p a r t y D a t a C a p t u r e S e r v i c e . T h e t h i r d - p a r t y c o n t r a c t o r c o l le c t s t h e d a t a a n d t r a n s m it s it t o V i s a , w h i c h V i s a f o r w a r d s o n t o t h e a c q u i r e r u s i n g T C 5 7 s . E a c h T C 5 7 c o n t a i n s in f o r m a t io n a b o u t a s p e c i f i c t r a n s a c t io n . T h e i n f o r m a t i o n i s f o r m a t t e d b y t h e a c q u i r e r in t o a T C 0 5 S a l e s D r a f t , a n d s u b m i t t e d t o V i s a . T C 5 7 s a r e a l s o u s e d t o t r a n s m it t o a c q u i r e r s n o n - V i s a c a r d t r a n s a c t io n s c a p t u r e d b y V i s a t e r m in a ls . Exam pl in c l u d i n g t e r m in a l s d a t a in t o

e: A M ast er C at speci TC 57 s

thi rd- par ty D at a C apt ur a r d a n d A m e r ic a n E x p r f ic m e r c h a n t . V i s a c a p t a n d fo r w a r d s t h e m to

Fi n a n c ial Fl o w : T C 5 8 – N a t io n a l S e t t le m e n t A d v i c e

e S e r v ic e s e n d s e s s t r a n s a c t io n s , u r e s th e fo r m a t t h e a p p r o p r ia t e

t o V i s a t r a n s a c t io n s , capt ur ed on Vi sa the m er chan t bat ch acqui rer .

None

T C 5 8 s a r e u s e d t o s e n d m e m b e r s in N a s e t t le m e n t in f o r m a t io n . I n a d d i t io n t o t h e I n t e r n a t io n a l S V i s a a l s o a l l o w s N a t io n a l S e t t l e m e n t , w h i c h e n a b l e s t h e m c o u n t r y t o s e t t le in t h e ir o w n s e t t le m e n t s e r v i c e a l l d o m ( t h a t is , t r a n s a c t i o n s w h e r e t h e i s s u e r , a c q u i r e r a n d m e r c h a s a m e c o u n t r y a r e s e t t l e d w it h i n t h e c o u n t r y w i t h o u t b e i n g V is a ’ s 1 7 s e t t le m e n t c u r r e n c i e s ) .

t io n a l S e t t le m e n t s e r v ic e s t h e ir e t t le m e n t s e r v i c e , e m b e r s w it h i n a e s t ic t r a n s a c t io n s nt ar e al li n the conv er ted one of

Exam pl e: V i s a g e n e r a t e s T C 5 8 s f o r t h e p a r t ic i p a n t s in t h e s e t t le m e n t s e r v i c e a n d f o r w a r d s it t o t h e a p p r o p r ia t e m e m b e r s o f t h a t s e r v i c e . Fi n a n c ial Fl o w : T C 5 9 – I n t e r f a c e S e t t le m e n t A d v i c e

None

T C 5 9 r e c o r d s a r e u s e d t o a d v is e n o n - V is a c a r d is s u p r oces s ed b y a Vi s a acqui rer or dat a cap t ur e p r ovi der . The TC 5 9 recor ds c r e a t e d f r o m m e r c h a n t b a t c h d a t a a n d a r e s u b m i t t e d t o V i s a f o r d e l iv e r y t h e n o n - V i s a c a r d is s u e r s . T h e n o n - V i s a c a r d is s u e r s u s e t h e T C 5 9 r e c o r f o r t h e ir o w n c l e a r in g a n d s e t t le m e n t .

e r s o f a t r a n s a c t io n ar e to ds

Exam pl e: A t h i r d - p a r t y D a t a C a p t u r e S e r v ic e s e n d s t o V i s a t h e A m e r i c a n E x p r e s s t r a n s a c t io n s t h e y h a v e c a p t u r e d o n V i s a t e r m in a l s . T h e a c q u i r e r

f o r m a t s t h e m e r c h a n t b a t c h d a t a in t o T C 5 9 s a n d E xpr ess. Fi n a n c ial Fl o w :

A - 1 2



fo r w a r d s th e m

t o A m e r ic a n

None

1 4 A pr 2 0 0 7

A p p e n d ix

A


T a b le

A -1

C o d e s


T r a n s a c t io n C o d e and T y pe T C

9 0

– F il e



H e a d e Tr C 9 0 s cr eat ed s e c u r it y f ile . F o r VA P, EA f ile s a r e sentt he

in c o m

c o n t a i n n o n - b u s i n e s s in f o r m a t io n u s e d t o id e n t if y w h e n a f i l e w a s a n d w h o c r e a t e d i t . T h e F i l e H e a d e r id e n t it y i n f o r m a t i o n i n c l u d e s a c o d e a s w e l l a s a f ie l d in d ic a t in g w h e t h e r it is a t e s t f ile o r p r o d u c t io n o u t g o i n g f i l e s , t h e m e m b e r l o a d s f i le s w i t h T C 9 0 ’ s a t t a c h e d o n t o t h e i r s e r v e r o r o t h e r c o n n e c t iv i t y d e v i c e a n d V i s a c o l le c t s t h e f ile s . W h e n t h e f e d i n t o B A S E I f o r p r o c e s s in g , t h e T C 9 0 id e n t if ie s t h e m e m b e r w h o f i le . T C 9 0 ’ s a r e a l s o u s e d b y V i s a t o f o r w a r d f i l e s t o m e m b e r s . O n

i n g f il e s , t h e T C 9 0 s a l s o in c l u d e

Fi n a n c ial Fl o w : T C 9 1 – T r a il e r

T C tran by the

B a t c h

9 1 s s a c t io n Vi sa to tot al s

s u m s, a v a l id a t in t h e

9 2

– F il e

Ap r 20 07


h a t is in a b a t c h allt he am ou nt s. Thi s hen Vi sa runs a bat ch, a n d if t h e f ig u r e s d o n ’ t

: h o w c o n t r o l in f it c o m p a r m a t c h , it

m a n y re o r m a t io n is e s it s t o t a l s reject s the

c o rd s , h o w used w it h ba tch.

m a n y

None

T r a i l e r T C 9 2 s s u m m a r iz e w h a t i s in a n e n t ir e f il e : h o w m a n y r e c o r d s , h o w m a n y t r a n s a c t io n s , a h a s h t o t a l f o r a l l t h e a m o u n t s . T h i s c o n t r o l in f o r m a t io n is u s e d t o b y V i s a t o v a l id a t e t h e f ile . Fi n a n c ial Fl o w :

14

t h e s e t t le m e n t d a t e .

None

m a r iz e w ha sh tot alf or e bat ches. W b a t c h t r a i le r

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BASE

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T C 5 0

A c c o u n t N u m b e r C o m m e r c ia l C a rd — C a r R e n t a l ( A d d i t io n a l D a t a Elem ents ) Com m er cialC ar d — G e n e r a l U s e ( A d d i t io n a l D at a El em ent s) Com m er cialC ar d — L o d g i n g ( A d d i t io n a l D a t a Elem ents ) Com m er cialC ar d — P u r c h a s i n g T r a n s a c t io n ( A d d i t io n a l D a t a E l e m e n t s ) N O TE :P

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T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

N O TE :P

=

P o s i t io n , L

R6 C T

A m o u n t 7 C5 T

A u t h o r iz a t io n

=

L en g

th ,F

=

V is a

=

137

22 –12: P

R5 C T

F o r m a t ,A N

ati on

P:41 –44 L : 4 F :D X

V . I. P . F ie ld A p p cil a toi n T r a n s a c toi n C o u n t e r

T C R 7

R e s p o n s e C o d e 8 C4 T

A R P C


I I F ie ld Inform

A p p li c a t io n Co unt er

A l ph a n u


m e r ic , U N

=

BASE

39 L : 2 F :D X

4 4 .1 1

L:12 F:U N

6

25 –14: P

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

4

Repons C ode O g ri n i a l R e s p o n s e C o d e A m o u n t , T r a n s a c t io n A m o u n t, C a dr h o d l e r n i Bgl l i

N a m e

V is a

T a b le

B - 1

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E

Inform T C 0 5

A u t h o r iz a t io n C h ar ac t er i s t i cs In d ica t or


I I F ie ld

T C R 0

ati on

P : 1 5 1 L : 1 F:AN

T C R 0

P : 1 5 1 L : 1 F:AN

C P S F e i d l s - A u t h o z ri a o ti n C h a r a c t e r i s t i c s In d i c a t o r (B i t M a p F o r m a t )

6 2 .1

C P S F e i d l s - A u t h o z ri a o ti n C h a r a c t e r i s t i c s In d i c a t o r (F i x e d o r B i t M a p F o r m a t )

T C R 0

P : 1 5 1 L : 1 F:AN


6 2 .1


T C R 0

P : 1 5 1 L : 1 F:AN


6 2 .1


=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 -B


P l u s R e f e r e n c e In f o r m a t io n - P l u s T im e s ta m p

6 2 .1


6 2 .1


6 2 .1 N O TE :P


6 2 .1

6 2 .1 T C 1 5


6 2 .1

6 2 .1 T C 0 7

N a m e

6 2 .1

6 2 .1 T C 0 6

V . I. P . F ie ld


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x

x e d n Id l1 4 e i A F p . r P 2 0. 0 I 7 . Vo t I EI S A B

T a b le

B - 1

01 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E

I I F ie ld Inform

T C 1 6

A u t h o r iz a t io n C h ar ac t er i s t i cs In d ica t or (co nti nu ed )

T C R 0

P : 1 5 1 L : 1 F:AN

ati on


T C R 0

T C 2 5

P : 1 5 1 L : 1 F:AN

T C R 0

P : 1 5 1 L : 1 F:AN

6 2 .1


=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w


6 2 .1


6 2 .1


6 2 .1

P u l s R e fe r e n c e I n fo r m a t oi n - P ul s T im e s ta m p

6 2 .1


6 2 .1


6 2 .1 N O TE :P

N a m e


6 2 .1 T C 1 7

V . I. P . F ie ld

6 2 .1


V is a

T a b le

B - 1

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E

Inform T C 2 6

A u t h o r iz a t io n C h ar ac t er i s t i cs In d ica t or (co nti nu ed )


I I F ie ld

T C R 0

ati on

P : 1 5 1 L : 1 F:AN

T C R 0

P : 1 5 1 L : 1 F:AN


6 2 .1


T C R O

P : 1 5 1 L : 1 F:AN


6 2 .1


T C R 2

P : 6 0 L : 1 F:AN


6 2 .1


=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X

x e d n Id l1 4 e i A F p . r P 2 .0 0 I 7 . Vo t I EI S A B

=


1 1 -B



6 2 .1


6 2 .1


6 2 .1 N O TE :P


6 2 .1

6 2 .1 T C 4 8


6 2 .1

6 2 .1 T C 3 7

N a m e

6 2 .1

6 2 .1 T C 2 7

V . I. P . F ie ld


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 1

21 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E

I I F ie ld Inform

A u t h o r iz a t io n

C o d e

A u t h o r iz a t io n Cod e

R e s p o n s e

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 0 9

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 1 9

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 0 5

T C R 5

ati on


P:152–157 L : 6 F:AN

3 8

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1 13 9. 2

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V . I. P . F ie ld

N a m e

A u t h o r iz a t io n Id e n t if ic a t io n Re sponse

Repons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code

V is a

T a b le

B - 1

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E

Inform A u t h o r iz a t io n Cod e (co nti nu ed )

R e s p o n s e

T C 0 6


I I F ie ld

T C R 5

ati on

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1

V . I. P . F ie ld Repons C ode O g ri n i a l R e s p o n s e C o d e

A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code

13 9. 2 T C 0 7

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 1 5

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 1 6

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 1 7

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 2 5

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1 13 9. 2

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


3 1 -B


N a m e


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 1

41 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E

I I F ie ld Inform

A u t h o r iz a t io n Cod e (co nti nu ed )

R e s p o n s e

T C 2 6

T C R 5

ati on

P : 3 5 – 3 6 L : 2 F:AN

V . I. P . F ie ld Num be r 39 4 4 .1 1

V . I. P . F ie ld

O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code

13 9. 2 T C 2 7

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 3 5

T C R 5

T C 3 6

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39

P : 3 5 – 3 6 L : 2 F:AN

39

4 4 1. 1 13 9. 2

4 4 .1 1

Repons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code Repons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code

13 9. 2 T C 3 7

T C R 5

P : 3 5 – 3 6 L : 2 F:AN

39 4 4 .1 1


13 9. 2 T C 4 8

T C R 5

P : 4 6 – 4 7 L : 2 F:AN

39 4 4 .1 1 13 9. 2

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

N a m e

Repons C ode


V is a

T a b le

B - 1

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E

Inform A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Cod e

T C 4 8


I I F ie ld

T C R 6

ati on

P : 5 – 2 0 L:16 F :D X

39 4 4 .1 1 13 9. 2

A u t h o r iz a t io n Cod e

S o u r c e

T C 0 5

T C R 1

T C 0 6

P : 1 2 8 L : 1 F:AN

T C R 1

T C 0 7

P : 1 2 8 L : 1 F:AN

T C R 1

T C 1 5

4 4 .1 6 3 4. 4 4 .1 6 3 4.

P : 1 2 8 L : 1 F:AN

T C R 1

4 4 .1 6 3 4.

P : 1 2 8

4 4 .1

L : 1 F:AN T C 1 7

T C R 1

T C 2 5

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P : 1 2 8 L : 1 F:AN

T C R 1

T C 2 6

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


4 4 .1 6 3 4.

P : 1 2 8 L : 1 F:AN

T C R 1

A l ph a n u

6 3 4.

4 4 .1 6 3 4.

P : 1 2 8 L : 1 F:AN =

4 4 .1 6 3 4.


5 1 -B


V . I. P . F ie ld

N a m e

Repons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr ypt ogr am Response Code R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 1

61 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E

S o u r c e

T C 2 7

T C R 1

P : 1 2 8 L : 1 F:AN

T C 3 5

T C R 1

P : 1 2 8 L : 1 F:AN

T C 3 6

T C R 1

T C 3 7


I I F ie ld Inform

A u t h o r iz a t io n Cod e (co nti nu ed )

P : 1 2 8 L : 1 F:AN

T C R 1

P : 1 2 8 L : 1

ati on

4 4 .1 6 3 4. 4 4 .1 6 3 4. 4 4 .1 6 3 4. 4 4 .1 6 3 4.

V . I. P . F ie ld R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e R e s p o n s e S o u rc e R/ e a s o n C o d e S T P I S / w tc i h R e a s o n C o d e

F:AN A u t h o r iz e d

7 5C T

A m o u n t

3R C T

81 –7: P

4 L:12 F:U N

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

6

A m o u n t , T r a n s a c t io n A m o u n t, C a dr h o d l e r n i Bgl l i

N a m e

V is a

T a b le

B - 1

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E

Inform A V S

T C 0 5

R e s p o n s e C o d e

T C R 1

T C 0 6

4 4 .2 1 2 7 A .2

P : 1 2 7 L : 1 F:AN

T C R 1

T C 1 6

4 4 .2 1 2 7 A .2

P : 1 2 7 L : 1 F:AN

T C R 1

T C 1 5

ati on

P : 1 2 7 L : 1 F:AN

T C R 1

T C 0 7


I I F ie ld

4 4 .2 1 2 7 A .2

P : 1 2 7 L : 1 F:AN

T C R 1

4 4 .2 1 2 7 A .2

P : 1 2 7

4 4 .2

L : 1 F:AN N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=

1 2 7 A .2


7 1 -B


V . I. P . F ie ld A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 1

81 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E

I I F ie ld Inform

A V S R e s p o n s e C o d e (co nti nu ed )

T C 1 7

T C R 1

P : 1 2 7 L : 1 F:AN

T C 2 5

T C R 1

P : 1 2 7 L : 1 F:AN

T C 2 6

T C R 1

T C 2 7

T C R 1

T C 3 5

L en g

th ,F

=

F o r m a t ,A N

V is a

=

P : 1 2 7 L : 1 F:AN

T C R 3

T C 5 7

=

P : 1 2 7 L : 1 F:AN

T C R 1

T C 3 8

P o s i t io n , L

P : 1 2 7 L : 1 F:AN

T C R 1

T C 3 7

=

P : 1 2 7 L : 1 F:AN

T C R 1

T C 3 6

N O TE :P

P : 1 2 7 L : 1 F:AN

P : 9 1 L : 1 F:AN

T C R 0

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

P : 1 4 8 L : 1 F:AN =


O v e r v ie w

ati on

V . I. P . F ie ld Num be r 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2 4 4 .2 1 2 7 A .2

V . I. P . F ie ld A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e A d d r e s s V e crfi a toi n R e s u tl C o d e F o r m a t 2 , A d d r e s s V e r ifc a t oi n V a lu e

N a m e

V is a

T a b le

B - 2

B A S E


II t o

BASE


V . I. P . F ie ld


I I C l e a r in g

S y s tem

O v e r v ie w

M a t r ix B A S E II T C R N u m b e r

B A S E

V .I . P . F ie ld N u m b e r

I I F i e ld Inform

Ba nk

Ci ty

Ba n k Name

B IN

Car Rent alNo In d ica t or

Ca rd Accept

Show

o r ID

T C 1 0

T C R 0

T C 2 0

T C R 0

T C 1 0

T C R 0

T C 2 0

T C R 0

T C 1 0

T C R 0

T C 2 0

T C R 0

T C 0 5

T C R 3

T C 0 6

T C R 3

T C 1 5

T C R 3

T C 1 6

T C R 3

T C 2 5 T C 2 6

T C R 3 T C R 3

T C 3 5

T C R 3

T C 3 6

T C R 3

T C 3 8

T C R 5

T C 5 7

T C R 4

T C 0 5

T C R 1

T C 0 6

T C R 1

T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P:125–137 L:1 3 F:AN

4 8

A d d it io n a l D a t a - P r iv a t e

P:100–124 L:2 5 F:AN

4 8


P:78 –83 L : 6 F:UN

4 8


P:27 L : 1 F:AN

6 2 .9

P:81 –95 L:1 5 F:AN

42


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 1 -B


V .I . P . F ie ld

ati o n

C P S F e i d l s - N o S h o w n I d c i a to r

C a rd A c c e p to r d I e n c fit a oti n

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

02 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T C 2 6

T C R 1

T C 2 7

T C R 1

T C 3 5

T C R 1

T C 3 6

T C R 1

T C 3 7

T C R 1

C a r d A c c e p t o r ID F o r m a t 1 ( IS O - e n r i c h e d )

T C 4 8

Ca rd Accept For m at2

o r ID

Ca rd Accept ID

or T er m in al

Ca rd Accept (co nti nu ed )

o r ID

C ard Au t he nti cati on R e lia b ilit y In d ica t or

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

N a m e

42


T C R 0

P : 1 3 8 – 1 5 2 L:1 5 F:AN

42


T C 4 8

T C R 0

P : 1 3 4 – 1 4 8 L:1 5 F:AN

42


T C 4 8

T C R 0

P : 1 3 0 – 1 3 7 L : 8 F:AN

41

C a d r A c c e p o t r Te m r n ia l I d e n t i f ic a t i o n

T C 4 8

T C R 6

P : 8 1 L : 1 F:D X

6 0 .6

A d d t io n a l P O S I n f o r m a t o i n - C h p i T ra n s a c tio n In d ic a to r

6 0 .7

A d d t io n a l P O S I n f o r m a t o i n - C h p i A u th e n tic a tio n R e lia b ilit y In d ic a to r

6 0 .7

A d d t io n a l P O S I n f o r m a t o i n - C h p i C a r d A u t h e n t ic a t io n In d ic a t o r

F o r m a t ,A N

V is a

V .I . P . F ie ld

ati o n

P:81 –95 L:1 5 F:AN

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

42


R e l ia b ilit y

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Ca rd Expi rati on

Car d Seq u

D at e

enc e Num

ber

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 0 5

T C R 7

T C 0 6

T C 0 7

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


3 23

P : 7 – 9 L : 3 F:UN

3

3

=


1 2 -B


ng iosceCP ro de

ng iosceCP ro de C ad r S e q u e n c e N u m b e r

3 23

ng iosceCP ro de

C ad r S e q u e n c e N u m b e r

23

P : 7 – 9 L : 3 F:UN

D a t e , E x p ir a t io n


23

P : 7 – 9 L : 3 F:UN

T C R 7

A l ph a n u

1 4

P : 7 – 9 L : 3 F:UN

T C R 7

T C 1 5

N O TE :P

P:20 –23 L : 4 F:UN

T C R 7

V .I . P . F ie ld

ati o n


N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

22 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

Car d Seq u enc e Num (co nti nu ed )

ber

T C 1 6

T C R 7

P : 7 – 9 L : 3 F:UN

T C 1 7

T C R 7

P : 7 – 9 L : 3 F:UN

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

P o s i t io n , L

=

L en g

th ,F

=

T C 0 5

T C R 7

T C 0 6

T C R 7

F o r m a t ,A N

V is a

=

P : 7 – 9 L : 3 F:UN

T C R 7

T C 0 7 =

P : 7 – 9 L : 3 F:UN

T C R 7

T C 4 8

N O TE :P

P : 7 – 9 L : 3 F:UN

T C R 7

T C 3 7

R es ul t s

F:UN P : 7 – 9 L : 3 F:UN

T C R 7

T C 3 6

V e r if ica t ion

P : 7 – 9 L : 3

T C R 7

T C 3 5

C ard

P : 7 – 9 L : 3 F:UN

P : 7 – 9 L : 3 F:UN P:79 –86 L : 8 F:D X



m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n 3 23


3 23


3 23


3 23


3 23


3 23


3 23


3 23


3 23


13 4.3

C a r d V e rcfi a toi n R e s u tl s ( C V R )

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

C ar d h ol d e r B illin g C o n v er s i on R at e

T C 4 8

Car d hol d er

C ar d V e r if ica t ion (co nti nu ed )

R es ul t s

ID M e t h o d

P:79 –86 L : 8 F:D X

13 4.3

T C R 0

P : 8 4 – 9 1 L : 8 F:AN

10

T C 0 5 T C 0 6

T C R 0 T C R 0

P:160 L : 1 F:AN

6 0 .9

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


3 2 -B


V .I . P . F ie ld

N a m e

ati o n C a r d V e rcfi a toi n R e s u tl s ( C V R )

C o n v e rso i n R a te , C a rd h o d l e r B i l l in g

A d d oti n a l P O S n I fo rm a oti n C a r d h o ld e r ID M e t h o d

In d i c a t o r

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

42 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

Ch ar geback In d ica t or

Ch eck

N O TE :P

R ig h t s

D ig i t

=

P o s i t io n , L

=

L en g

th ,F

=

T C 0 5

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 1 0

T C R 0

T C 2 0

T C R 0

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

P:43 –44 L : 2 F:AN

6 2 .1 6

P:99 L : 1 F:UN

4 8

C P S F e i d l s - C h a rg e b a c k R i g h t s In d ic a t o r


N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

C h ip C o n d i t io n

T C 0 5

Co de

T C R 1

T C 0 6

T C 0 7

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P : 1 6 7 L : 1 F:AN

T C R 1

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


6 0 .2

P : 1 6 7 L : 1 F:AN

T C R 1

P : 1 6 7 L : 1 F:AN

=

N a m e


A d d oti n a l P O S n I fo rm a oti n T e rm in a l E n tr y C a p a b ilit y

6 0 .3

A d d t io n a l P O S I n f o r m a t o i n - C h p i C o n d it io n C o d e

6 0 .4

A d d oti n a l P O S n I fo rm a oti n S p e c i a l C o n d i t io n In d ic a t o r

6 0 .4

A d d toi n a l P O S nI fo rm a to i n - S p e c i a l C o n d it io n In d ic a t o r - U n u s e d

6 0 .2


6 0 .3


6 0 .4

A d d oti n a l P O S n I fo rm a oti n -

6 0 .4

S p e c i a l C o n d i t io n In d ic a t o r A d d toi n a l P O S nI fo rm a ot i n - S p e c i a l C o n d it io n In d ic a t o r - U n u s e d

6 0 .2

5 2 -B


V .I . P . F ie ld

ati o n


6 0 .3


6 0 .4


6 0 .4


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

62 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

C h ip C o n d i t io n (co nti nu ed )

T C 1 5

Co de

T C R 1

T C 1 6

T C R 1

T C 1 7

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

P : 1 6 7 L : 1 F:AN

P : 1 6 7 L : 1 F:AN

T C R 1

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

P : 1 6 7 L : 1 F:AN

=


O v e r v ie w

V .I . P . F ie ld

N a m e

ati o n 6 0 .2


6 0 .3


6 0 .4


6 0 .4


6 0 .2


6 0 .3


6 0 .4


6 0 .4


6 0 .2


6 0 .3


6 0 .4


6 0 .4


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform


T C 2 5

Co de

T C R 1

T C 2 6

T C 2 7

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P : 1 6 7 L : 1 F:AN

T C R 1

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


6 0 .2

P : 1 6 7 L : 1 F:AN

T C R 1

P : 1 6 7 L : 1 F:AN

=

N a m e



6 0 .3


6 0 .4


6 0 .4


6 0 .2


6 0 .3


6 0 .4

A d d oti n a l P O S n I fo rm a oti n -

6 0 .4

S p e c i a l C o n d i t io n In d ic a t o r A d d toi n a l P O S nI fo rm a ot i n - S p e c i a l C o n d it io n In d ic a t o r - U n u s e d

6 0 .2

7 2 -B


V .I . P . F ie ld

ati o n


6 0 .3


6 0 .4


6 0 .4


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

82 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform


T C 3 5

Co de

T C R 1

T C 3 6

T C R 1

T C 3 7

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

P : 1 6 7 L : 1 F:AN

P : 1 6 7 L : 1 F:AN

T C R 1

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

P : 1 6 7 L : 1 F:AN

=


O v e r v ie w

V .I . P . F ie ld

N a m e

ati o n 6 0 .2


6 0 .3


6 0 .4


6 0 .4


6 0 .2


6 0 .3


6 0 .4


6 0 .4


6 0 .2


6 0 .3


6 0 .4


6 0 .4


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform


C on t act

T C 4 8

Co de

f or In f or m at i on

T C R 1

T C 0 5

T C R 4

T C 0 6

T C R 4

T C 0 7

T C R 4

T C 1 5

T C R 4

T C 1 6 T C 1 7

T C R 4 T C R 4

T C 2 5

T C R 4

T C 2 6

T C R 4

T C 2 7

T C R 4

T C 3 5

T C R 4

T C 3 6

T C R 4

T C 3 7

T C R 4

T C 5 2 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P : 1 6 3 L : 1 F:AN

6 0 .2

P:21 –45 L:2 5 F:AN


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 2 -B


V .I . P . F ie ld

N a m e

ati o n A d d oti n a l P O S n I fo rm a oti n T e rm in a l E n tr y C a p a b ilit y

6 0 .3


6 0 .4


6 0 .4


39

Rpeons C ode

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

03 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

C on t act

For

T C 0 5

In f or m at i on

T C R 4

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C 0 6

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN

C A V V R e s ust l C o d e

44 .14

M a s t e r c a r d A u t h o r iz a t io n Res pons e Reas on Code

4 4

A d d it io n a l R e s p o n s e D a t a

4 4 .1

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

R e s p o n s e S o u rc e /R e a s o n C o d e A d d r e s s V e rcfi a toi n R e s u tl C o d e C V V R e s tu l C o d e P A C M D v ie rso i n L e v e l C o d e P A C M D v ie sro i n R e a s o n C o d e C V V 2 R e s tu l C o d e

4 4 .1 1

O g ri n i a l R e s p o n s e C o d e

4 4 .1 2

C h e c k S e e tl m e n t C o d e

4 4 1. 3


44 .14 th ,F

P A C M D v ie sro i n R e a s o n C o d e C V V 2 R e s tu l C o d e

4 4 1. 3

4 4 1. 0

L en g

P A C M D v ie rso i n L e v e l C o d e


4 4 .7

=

A d d r e s s V e rcfi a toi n R e s u tl C o d e C V V R e s tu l C o d e


4 4 .6

P o s i t io n , L

R e s p o n s e S o u rc e /R e a s o n C o d e

4 4 .1 2

4 4 5.

=

N a m e


4 4 .1 1

4 4 .2

N O TE :P

V .I . P . F ie ld

ati o n

P : 2 1 – 4 5 L:2 5 F:AN


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

C on t act For (co nti nu ed )

T C 0 7

In f or m at i on

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN


4 4 4 4 .1

4 4 1. 0

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


1 3 -B


M a s t e r c a r d A u t h o r iz a t io n Res pons e Reas on Code A d d it io n a l R e s p o n s e D a t a R e s p o n s e S o u rc e /R e a s o n C o d e A d d r e s s V e rcfi a toi n R e s u tl C o d e C V V R e s tu l C o d e P A C M D v ie rso i n L e v e l C o d e P A C M D v ie sro i n R e a s o n C o d e C V V 2 R e s tu l C o d e

4 4 .1 1


4 4 .1 2


4 4 1. 3


44 .14 L en g


4 4 1. 3

4 4 .7

=



4 4 .6

P o s i t io n , L



4 4 5.

=


4 4 .1 2

4 4 .2

N O TE :P

N a m e


4 4 .1 1

44 .14 T C 1 5

V .I . P . F ie ld

ati o n


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

23 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform


T C 1 6

In f or m at i on

T C R 4

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C 1 7

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN


44 .14


4 4


4 4 .1

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w


4 4 .1 1


4 4 .1 2


4 4 1. 3


44 .14 th ,F


4 4 1. 3

4 4 1. 0

L en g



4 4 .7

=



4 4 .6

P o s i t io n , L


4 4 .1 2

4 4 5.

=

N a m e


4 4 .1 1

4 4 .2

N O TE :P

V .I . P . F ie ld

ati o n

P : 2 1 – 4 5 L:2 5 F:AN


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform


T C 2 5

In f or m at i on

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN


4 4 4 4 .1

4 4 1. 0

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


3 3 -B



4 4 .1 1


4 4 .1 2


4 4 1. 3


44 .14 L en g


4 4 1. 3

4 4 .7

=



4 4 .6

P o s i t io n , L



4 4 5.

=


4 4 .1 2

4 4 .2

N O TE :P

N a m e


4 4 .1 1

44 .14 T C 2 6

V .I . P . F ie ld

ati o n


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

43 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform


T C 2 7

In f or m at i on

T C R 4

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C 3 5

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN


44 .14


4 4


4 4 .1

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w


4 4 .1 1


4 4 .1 2


4 4 1. 3


44 .14 th ,F


4 4 1. 3

4 4 1. 0

L en g



4 4 .7

=



4 4 .6

P o s i t io n , L


4 4 .1 2

4 4 5.

=

N a m e


4 4 .1 1

4 4 .2

N O TE :P

V .I . P . F ie ld

ati o n

P : 2 1 – 4 5 L:2 5 F:AN


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform


T C 3 6

In f or m at i on

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

T C R 4

P : 2 1 – 4 5 L:2 5 F:AN


4 4 4 4 .1

4 4 1. 0

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

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Num

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=


5 3 -B



4 4 .1 1


4 4 .1 2


4 4 1. 3


44 .14 L en g


4 4 1. 3

4 4 .7

=



4 4 .6

P o s i t io n , L



4 4 5.

=


4 4 .1 2

4 4 .2

N O TE :P

N a m e


4 4 .1 1

44 .14 T C 3 7

V .I . P . F ie ld

ati o n


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

63 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform


T C 5 2

In f or m at i on

T C R 4

4 4 4 4 .1 4 4 .2 4 4 5. 4 4 .6 4 4 .7 4 4 1. 0

Count y M ot or FuelT Ex em pt ion S t at u s C R B /Ex ce pt i on In d ica t or

ax

Fi le

6 3 .6

T C 2 7 T C 3 5 =

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

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M a s t e r c a r d A u t h o r iz a t io n Res pons e Reas on Code T im e , L o c a l T r a n s a c t io n

P : 2 5 L : 1 F:AN

T C 2 6

N O TE :P


44 .14

T C R 0

T C 2 5

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

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S y s tem

=


O v e r v ie w


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T C 0 5

T C 1 7



1 2

T C 1 6



P : 1 0 6 L : 1 F:AN

T C 1 5


4 4 .1 2

T C R 0

T C 0 7

N a m e


4 4 .1 1

T C 5 0

T C 0 6

V .I . P . F ie ld

ati o n

P : 2 1 – 4 5 L:2 5 F:AN

1 3

D a t e , L o c a l T r a n s a c t io n C h a rg e b a c k R e d u c o t i n B/ A S E I Fl ag s

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



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I I F i e ld Inform

C R B /Ex ce pt i on In d ica t or (co nti nu ed )

T C 3 6

Fi le

C rypt og r am

Cr yp togr am

T C R 0

P : 2 5 L : 1 F:AN

6 3 .6

T C 0 5

T C R 7 T C R 7

P:49 –64 L:1 6 F:D X

136

T C 0 6 T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5 T C 3 6

T C R 7 T C R 7

T C 3 7

T C R 7

T C 4 8

T C R 7

T C 0 5

T C R 7 T C R 7

P:87 –98 L:1 2 F:UN

147

T C 0 6 T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

TC 3 7

Am ount

T C 2 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


7 3 -B


V .I . P . F ie ld

ati o n C h a rg e b a c k R e d u c o t i n B/ A S E I Fl ag s amo gprytC r

C yp ro t ga r m A m o u n t

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

83 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

Cr yp togr am (co nti nu ed )

Am ount

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

147


T C R 6

P : 2 5 – 3 6 L:1 2 F:UN

147


149

C yr p ot g ar m C a s h b a c k A m o u n t

Cr ypt ogr am A m o u n t

Cashback

T C 4 8

T C R 6

P : 4 0 – 4 8 L : 9 F:UN

Cry pt ogr am Cod e

Cu rrency

T C 4 8

T C R 6

P : 3 7 – 3 9 L : 3 F:AN

Crypt ogram

Versi on

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

P:67 –68 L : 2 F:D X



m e r ic , U N

=

BASE

Un pa ck

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I I C l e a r in g

Num

V .I . P . F ie ld

ati o n

P:87 –98 L:1 2 F:UN

e r ic , D X

S y s tem

=


O v e r v ie w

144 148 1 3 4 .2

C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m V e rs o i n N u m b e r

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

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I I F i e ld Inform

CVV

8 4C T

Resul ts Cod e

1R C T

V .I . P . F ie ld

ati o n

4 6 1 : P

4 4 5.

C V V R e s tu l C o d e

P:168 L : 1 F:AN

4 4 1. 0

C V V 2 R e s tu l C o d e

P:84 –87 L : 4 F:UN

4 8

L : 1 F:AN CVV2

Resul tC od e

D at e

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

T C 0 5

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5 T C 3 6

T C R 5 T C R 5

T C 3 7

T C R 5

T C 1 0

T C R 0

T C 2 0

T C R 0

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

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=


9 3 -B



N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

04 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

D ebi t Pr od uctC

od e

T C R 4

P : 1 7 – 2 0 L : 4 F:UN

T C 0 6

T C R 4

P : 1 7 – 2 0 L : 4 F:UN

T C 0 7

T C R 4

T C 1 5

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

P : 1 7 – 2 0 L : 4 F:UN

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

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I I C l e a r in g

Num

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S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

T C 0 5

6 3.1 6 3 .1 6 3.1 6 3 .1 6 3.1 6 3 .1 6 3.1 6 3 .1

N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

D ebi t Pr od uctC (co nti nu ed )

T C 1 6

od e

T C R 4

T C 1 7

T C 2 5

R2 C T

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 2

8 C4 T

D urati on

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 3 8

W orkst ati on

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 3 7

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 3 6

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 3 5

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 2 7

6 3.1 6 3 .1

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

T C 2 6

D es t i n a t ion B IN

P : 1 7 – 2 0 L : 4 F:UN

T C R 4

6 3.1 6 3 .1

P : 1 9 – 2 4 L : 6 F:UN

63 .16

36 -26: P

6 2 .5 L : 2 F:UN

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

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Num

e r ic , D X


=


1 4 -B


V .I . P . F ie ld

N a m e

ati o n N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e N e t w o r k ID N e t w o rk dI e n ctfi a ot i n C o d e V i e w Im a g e E x c h a n g e W o r k s t a t io n ( V I E W ) S t a t io n B IN A d d r e s s C P S F e i d l s - D u ra o t i n ( B t i M a p For m at )

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

24 -B

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II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

El ect roni c Co m m er ce G o o d s In d i c a t o r

El ect roni c Co m m er ce In d ica t or Excl ud ed Reason

Tr an sacti on

ID

Excl ud ed Tr an sacti on Id e n t i f ie r R e a s o n

T C 0 5

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 4 8

6 2 .1 9

C P S F ei dl s - E e l c t r o n ci C o m m e r c e G o o d s In d i c a t o r

T C R 0

P : 1 6 5 – 1 6 6 L : 2 F:AN

6 2 .1 9


T C 3 8

T C R 0

P : 1 6 5 – 1 6 6 L : 2 F:AN

6 2 .1 9


T C 3 9

T C R 0

P : 1 1 9 L : 1 F:AN

6 2 .1 8

C P S F ei dl s - E x c ul d e d T r a n s a c toi n Id e n t i f ie r R e a s o n C o d e

T C 0 5

T C R 5 T C R 5

P:41 L : 1 F:AN

6 2 .1 8

T C 0 6


T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

V .I . P . F ie ld

ati o n

P:80 –81 L : 2 F:AN

=



m e r ic , U N

=

BASE

Un pa ck

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I I C l e a r in g

Num

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S y s tem

=


O v e r v ie w

N a m e

V is a

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BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



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I I F i e ld Inform

Excl ud ed Tr an sacti on Id e n t i f ie r R e a s o n (co nti nu ed )

Ex p ir at i on

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 5 2

T C R 1

8 C4 T

D ate

R0 C T

V .I . P . F ie ld

ati o n

P:41 L : 1 F:AN

6 2 .1 8


P : 8 4 L : 1 F:AN

6 2 .1 8


59 –29: P

1 4


1 4


1 4


L : 4 F:UN Ex pi r at ion

9C5 T

D at e (M M Y Y )

R1 C T

941 –641: P L : 4 F:UN

Ex p ir at i on D at e A m e ric a n E x p re s s T ra n s a c tio n D e ta il, A u to m o b ile L e a s in g (F o r m a t C o d e 0 7 ) A m e ric a n E x p re s s T ra n s a c tio n D e ta il, In s u r a n c e P a r t 1 ( F o r m a t Cod e 04) A m e ric a n E x p re s s T ra n s a c tio n D e ta il, Re st aur ant (For m at Co de 1 2 ) A m e ric a n E x p re s s T ra n s a c tio n D e ta il, T e le p h o n e P a rt 1 ( F o rm a t Cod e 13) N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

T C 5 7

F o r m a t ,A N

=

T C R 1

A l ph a n u

m e r ic , U N

=

Un pa ck

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Num

e r ic , D X


P : 2 1 – 2 4 L : 4 F:AN

=


3 4 -B


N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

44 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

V .I . P . F ie ld

ati o n

Ex p ir at i on D at e C a r d h o l d e r T r a n s a c t io n D etai l (K orea)

T C 5 7

T C R 1

P : 3 9 – 4 2 L : 4 F:UN

1 4


Fee

T C 0 5

T C R 1

F e e P ro g ra m

T C R 1

P:76 –78 L : 3 F:AN

63 .19

T C 0 6 T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5 T C 2 6

T C R 1 T C R 1

T C 2 7

T C R 1

T C 3 5

T C R 1

T C 3 6

T C R 1

T C 3 7

T C R 1

T C 1 0

T C R 0


T C R 0

P:88 –98 L:1 1 F:UN

4 8

T C 2 0 T C 0 5

T C R 0 T C R 0

P:24 L : 1 F:AN

6 3 .6

T C 0 6 T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

Fi lm

Progr am

In d i c a t o r

L ocat or

F l o o r L i m it In d ic a t o r

T C 2 5 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=



m e r ic , U N

=

BASE

Un pa ck

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I I C l e a r in g

Num

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S y s tem

=


O v e r v ie w

In d ic a t o r

C h a rg e b a c k R e d u c o t i n B/ A S E I Fl ag s

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

F l o o r L i m it In d ic a t o r (co nti nu ed )

For m atC

od e

Fo r w a r d i n g In s t i t u t i o n Count ry Cod e Fo rw ard i ng

In s t it u t i on

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 1 0

T C R 0

T C 2 0

T C R 0

T C 4 8

T C R 1

T 8C4

ID

R1 C T

P:24 L : 1 F:AN

6 3 .6

P:77 L : 1 F:UN

4 8


P : 1 5 3 – 1 5 5 L : 3 F:UN

21

F o rw a rd ni g I n s t ui oti n C o u n t ry Code

3 3

F o r w a r d in g In s t it u t io n Id e n t i f ic a t io n C o d e

251 –241: P L:1 1 F:UN

In t e r f a c e

Tr ace

N um

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T C 0 5

T C R 1

T C 0 6

T C R 1

T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5

T C R 1

T C 2 6

T C R 1

T C 2 7

T C R 1

T C 3 5

T C R 1

T C 3 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P:118–123 L : 6 F:AN

11


m e r ic , U N

=

Un pa ck

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Num

e r ic , D X


=


5 4 -B


V .I . P . F ie ld

ati o n C h a rg e b a c k R e d u c o t i n B/ A S E I Fl ag s

S y s et m aT r c e A u d t i N u m b e r

N a m e

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14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

64 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

V .I . P . F ie ld

ati o n

T C 3 7

T C R 1

P : 1 1 8 – 1 2 3 L : 6 F:AN

11


T C 5 2

T C R 1

P : 3 3 – 3 8 L : 6 F:AN

11


In t er n al T er m in a l S er i al Num be r

T C 5 7

T C R 1

P : 2 2 – 2 9 L : 8 F:AN

133

T e mr i n a l S e a ir l N u m b e r

Is s u e r D at a

D is cr et i on ar y

T C 4 8

T C R 6

P : 4 9 – 8 0 L:3 2

1 3 5

Is s u e r

S cr ipt 1 R es u l t s

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

In t e r f a c e T r a c e (co nti nu ed )

N um

ber

T C 4 8 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

F:D X P:159–168 L:1 0 F:D X



m e r ic , U N

=

BASE

Un pa ck

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I I C l e a r in g

Num

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S y s tem

=


O v e r v ie w

143

Is s u e r D i s c r e t io n a r y D a t a

s sI u e r S cp ir t R e s u ts l

N a m e

V is a

T a b le

B - 2

B A S E


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II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Lod gi ng

C h eck - in D at e

T C 0 5

T C R 3

T C 0 6

T C R 3

T C 1 5

T C R 3

T C 1 6

T C R 3

T C 2 5

T C R 3

T C 2 6

T C R 3

T C 3 5

T C R 3

T C 3 6

T C R 3

T C 5 7 Lod gi ng

P:38 –43 L : 6 F:UN

6 2 8.

C P S F e d i l s - A u ot R e n at l Ch eck- out D at e, Lodgi ng C h e c k - In D a t e

6 2 8.

C P S F e d i l s - A u ot R e n at l Ch eck- out D at e, Lodgi ng C h e c k - In D a t e

6 2 .9

C P S F e i d l s - N o S h o w n I d c i a to r

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34 –83: P L : 6 F:UN

L o d g in g N o In d ica t or

Show

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C P S F e i d l s - M a r k e t - S p e c c fi D a t a I d e n t i f ie r P l u s R e f e r e n c e In f o r m a t io n - P l u s T x n L o g A d d re s s

P l u s R e f e r e n c e In f o r m a t io n - P l u s T x n L o g A d d re s s C P S F e i d l s - M a r k e t - S p e c c fi D a t a I d e n t i f ie r P l u s R e f e r e n c e In f o r m a t io n - P l u s T x n L o g A d d re s s

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5 4.1

A d d it i o n a l A m o u n t s - A c c o u n t T y p e

P:20 –31 L:1 2 F:UN

5 4.1


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43

C a rd A c c e p to r N a m e L/ o c a o ti n

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43


T C 3 8

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P : 8 5 – 8 8 L : 4 F:UN

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T C 5 0

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Ci ty

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29 –16: P

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M er ch antN am e M e r c h a n t R e g i s t r a t io n – In c o m in g

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P : 3 9 – 6 3 L:2 5 F:AN

43


M er ch antN am e M e r c h a n t R e g i s t r a t io n – O utgoi ng

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43


1 8


M er chant

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321 –021: P L : 4 F:UN

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M er chant In d ica t or

Vol um e

T C 1 5

T C R 5

T C 1 6

T C R 5

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T C 2 0

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P:82 –91 L:1 0 F:AN

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6 2 .2 0

P:78 –79 L : 2 F:AN

63 .18


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 5 -B


V .I . P . F ie ld

N a m e

ati o n C P S F ei dl s - M e r c h a n t V e r ifc a t oi n V a lu e

M e r c h a n t V o lu m e In d ic a t o r

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

06 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T C R 4

T C 0 6

T C R 4

T C 0 7

T C R 4

T C 1 5

T C R 4

T C 1 6

T C R 4

T C 1 7

T C R 4

T C 2 5

T C R 4

T C 2 6

T C R 4

T C 2 7

T C R 4

T C 3 5

T C R 4

T C 3 6

T C R 4

T C 3 7

T C R 4

T C 1 0

T C R 0

T C 2 0

T C R 0

T C 5 7

T C R 2

P : 4 5 – 1 6 6 L:1 22 F:AN

M essage TextFi el d for Reas on Cod e 0300

T C 1 0

T C R 0

T C 2 0

T C R 0

M u l t ipl e C lea r in g Seq uen ce Count

T C 0 5

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

M ess age

on Cod e

Tex t

T C 1 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=



m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

T C 0 5

M es sa ge Reas

P:47 –50 L : 4 F:AN

6 3 3.

M e s a g e R e a so n C o d e

P:77 –146 L:7 0 F:AN

4 8


P:77 –146 L:7 0 F:AN

4 8


P:47 –48 L : 2 F:UN

6 2 .1 2

C P S F ei d l s - M Sequen

u ptli e l C e l a nri g ce Count

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

M u l t ipl e C lea r in g Seq uen ce Count (co nti nu ed )

M u l t ipl e C lea r in g Seq u enc e Num ber

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 5 7

T C R 3

T C 0 5

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 3 8

T C R 0

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


P:47 –48 L : 2 F:UN

6 2 .1 2

C P S F ei d l s - M Sequen

P:47 –48 L : 2 F:UN

6 2 .1 1

C P S F ei d l s - M u ptli e l C e l a nri g Sequ en ce Num be r

P : 1 2 1 – 1 2 2 L : 2 F:UN =


1 6 -B


V .I . P . F ie ld

ati o n u ptli e l C e l a nri g ce Count

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

26 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

M u l t ipl e C lea r in g Seq u enc e Num ber (co nti nu ed )

N at ion al P D at a

O S G eographi

c

T C R 0

P : 1 2 0 – 1 2 1 L : 2 F:UN

T C 5 2

T C R 1

P : 8 6 – 8 7 L : 2 F:UN

T C 5 7

T C R 3

P : 3 8 – 3 9 L : 2 F:UN

T C 4 8

T C R 1

P : 7 4 – 8 7 L:1 4

6 2 .1 1

19 59

O r ig i n a l M

essage

T C R 3

8 C4 T

Ty pe

P : 1 4 3 – 1 4 6 L : 4 F:UN

R1 C T

02 –71: P

O r ig i n a t o r

N am

0 C1 T

e

R0 C T

7 0

9 0 1. L : 4 F:UN

101 –77: P

C P S F ei d l s - M u ptli e l C e l a nri g Sequ en ce Num be r

A c q u rni g I n s t i u t o i n C o u n t r y C o d e N a o t i n a l P o n i t - o -f S e rv c i e G eogr aphi c D at a

F:AN T C 4 8

Net w or k M an ag em en t In f o r m a t i o n C o d e

V .I . P . F ie ld

ati o n

T C 3 9

9 0 .1 4 8

N e tw o rk M a n a g e m e n t In f o r m a t io n C o d e O g n ir a l M e s s a g e T y p e O rgi ni a l M e s s a g e T y p e I d e n tefi r A d d it io n a l D a t a - P r iv a t e

L:2 5 F:AN Paym ent G uar ant ee O p t i o n In d ic a t o r PO S Cond i

t io n

T C 0 5

T C R 3

T C 2 5

T C R 3

8C4 T

Cod e

P:19 L : 1 F:AN

R0 C T

911 –811: P

25 L : 2 F:UN

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

1 2 6 .1 4

P a y m e n t G u a ra n t e e O p ot i n

P o n i t - o -f S e rv ci e C o n d ot i n C o d e

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

POS Ent ry M od e F o r m a t 1 ( IS O - e n r i c h e d )

T C 4 8

POS Ent ry M od e For m at2

POS

Ent ry M od e

P O S E n v ir o n m

ent

P:162–163 L : 2 F:AN

22

P o n i t - o - fS e rv c i e E n t ry M o d e C o d e

T C R 0

P : 1 2 4 – 1 2 5 L : 2 F:UN

22


T C 4 8

T C R 0

P : 7 8 – 7 9 L : 2 F:UN

22


T C 0 5

T C R 1 T C R 1

P:168 L : 1 F:AN

1 2 6 1. 3

T C 0 6 T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5

T C R 1

T C 2 6

T C R 1

T C 2 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

V .I . P . F ie ld

ati o n

F o r m a t ,A N

=


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


3 6 -B


P O S E n o r v in m e n t

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

46 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

P O S E n v ir o n m (co nti nu ed )

PO S T erm

ent

in al C a pab ilit y

T C 3 5

T C R 1

T C 3 6

T C R 1

T C 3 7

T C R 1

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

T C R 0

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

N a m e

ati o n

P:168 L : 1 F:AN

1 2 6 1. 3

P O S E n o r v in m e n t

P : 1 5 8 L : 1 F:AN

6 0 .1

A d d oti n a l P O S n I fo rm a oti n T e rm in a l T y p e

6 0 .2


P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

PO S T er m in al C a pab ilit y (co nti nu ed )

=

P o s i t io n , L

=

L en g

th ,F

=

N a m e

T C 2 5

T C R 0

P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


T C 2 6

T C R 0

P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


T C 2 7

T C R 0

P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


T C 3 5

T C R 0

P : 1 5 8 L : 1

6 0 .1


F:AN

6 0 .2


T C 3 6

T C R 0

P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


T C 3 7

T C R 0

P : 1 5 8 L : 1 F:AN

6 0 .1


6 0 .2


P : 8 0 L : 1 F:AN

6 0 .1


6 0 .2


T C 4 8

N O TE :P

V .I . P . F ie ld

ati o n

F o r m a t ,A N

=

T C R 0

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


5 6 -B


x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

66 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

Po s i t iv e C ar d h o ld e r A u t h o r iz a t io n S e r v ic e (P C A S ) In d icat or

P r es t ig i ou s P r op er t y In d ica t or Pr ocessi

ng

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 4 8

T C R 2

8C4 T

Co de

R0 C T

6 3 .6


P : 6 4 L : 1 F:AN

6 2 .6

C P S F e i d l s - P r e s t gi o i u s P r o p e r t y In d ic a t o r

3

ng iosceCP ro de

23


711 –411: P L : 4 F:UN

5 4.1 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

N a m e

ati o n

P:26 L : 1 F:AN


V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Pur chase

T C 3 9

D at e

Pur chase D at e (co nti nu ed )

T C R 0

1 2 1 3

D a t e , L o c a l T r a n s a c t io n T im e , L o c a l T r a n s a c t io n

T C 5 0

T C R 0

P : 6 1 – 6 4 L : 4 F:UN

1 2 1 3

D a t e , L o c a l T r a n s a c t io n

T C 5 2

T C R 0

P : 5 5 – 5 8 L : 4 F:UN

1 2

T im e , L o c a l T r a n s a c t io n

1 3

D a t e , L o c a l T r a n s a c t io n

T C 5 7

T C R 0

P : 6 9 – 7 2 L : 4 F:UN

7

a Tr n s m os in D a e t a n d T m i e

T C 5 7

T C R 2

P : 2 9 – 3 6 L : 8 F:UN

1 2


1 3

D a t e , L o c a l T r a n s a c t io n T im e , L o c a l T r a n s a c t io n

T C 3 8

T C R 1

P : 2 5 – 2 8 L : 4 F:UN

1 2

P urcha

T C 0 5

T C R 1

P : 1 3 3 – 1 5 7 L:2 5 F:AN

6 2 .7

T C 5 7

T C R 5

P : 1 6 – 4 0 L:2 5 F:AN

N O TE :P

=

Id e n t i f ier

P o s i t io n , L

=

L en g

th ,F

=


P : 1 6 0 – 1 6 3 L : 4 F:UN

Pur chase D at e V C R F S / V D A S A d v ic e o r P ic k L i s t se

V .I . P . F ie ld

ati o n

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=

1 3


7 6 -B


D a t e , L o c a l T r a n s a c t io n C P S F ei dl s - P u r c h a s e I d e n tefi r

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

86 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

P urchase For m at

Id e n t i f ier

P urchase Id e n t i f ier For m at (co nti nu ed ) N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

T C 0 5

T C R 1

T C 0 6

T C R 1

T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5

T C R 1

T C 2 6

T C R 1

T C 2 7

T C R 1

T C 3 5

T C R 1

T C 3 6

T C R 1

T C 3 7

T C R 1

T C 5 7

T C R 5

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

P:129 L : 1 F:AN

6 2 .7

C P S F ei dl s - P u r c h a s e I d e n tefi r

P : 1 5 L : 1 F:AN

6 2 .7

C P S F ei dl s - P u r c h a s e I d e n tefi r

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Reas o

n C od e

Rei m bu r s em en t A t t r ib u t e

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 0 9

T C R 0

T C 1 0

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7

T C R 0

T C 1 9 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P:148–149 L : 2 F:UN

6 3 3.

P:168 L : 1 F:AN

63 .11


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 6 -B


V .I . P . F ie ld

ati o n M e s a g e R e a so n C o d e

R e im b u r s e m e n t A t t r ib u t e

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

07 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

Rei m bu r s em en t A t t r ib u t e (co nti nu ed )

T C 2 0

T C R 0

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 3 8

T C R 0

T C 3 9

T C R 0

T C 4 0

T C R 0

T C 4 8

T C R 0

T C 5 2

T C R 0

T C 5 7

T C R 1

T C 5 7 Repl acem

entAm

R2 C T

58 -47: P L:1 2 F:UN

Req ues ted S ervi ce

Pay m ent

T C 0 5

T C R 0

T C 0 6

T C R 0

T C 0 7

T C R 0

T C 1 5

T C R 0

T C 1 6

T C R 0

T C 1 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

63 .11

R e im b u r s e m e n t A t t r ib u t e

N a m e

9 5

R e p la c e m e n t A m o u n t s

T C R 2

8 C4 T

ount

V .I . P . F ie ld

ati o n

P:168 L : 1 F:AN

P:145 L : 1 F:AN



m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

A c t u a l A m o u n t , T r a n s a c t io n

9 5 .1 6 2 .1 5

C P S F e i d l s - R e q u e s te d P a y m e n t S e rvice

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Req ues ted Pay m ent S ervi ce (co nti nu ed )

R es er v ed

Resp ons e Cod e

For m at 0 (St andar

T C 2 5

T C R 0

T C 2 6

T C R 0

T C 2 7

T C R 0

T C 3 5

T C R 0

T C 3 6

T C R 0

T C 3 7

T C R 0

T C 1 0

P:145 L : 1 F:AN

6 2 .1 5

T C R 0

P : 1 6 3 L : 1 F:UN

4 8

T C 2 0

T C R 0

P : 1 4 4 – 1 4 6 L : 3 F:AN

T C 4 8

T C R 0

P : 5 1 – 5 2

39

L : 2 F:AN

4 4 .1 1

d)

C P S F e i d l s - R e q u e s te d P a y m e n t S e rvice


Rpeons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr y pt ogr am Response Code

13 9. 2 Resp ons e Cod e F o r m a t 1 ( IS O - e n r i c h e d )

T C 4 8

T C R 0

R es t r ict ed In d ica t or

T C 0 5

T C R 3

T C 0 6

T C R 3

T C 1 5

T C R 3

T C 1 6

T C R 3

T C 2 5

T C R 3

P : 4 6 – 4 7 L : 2 F:AN

39 4 4 .1 1 13 9. 2

Ti cket

T C 2 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P:117 L : 1 F:AN

6 2 .1 3


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


1 7 -B


V .I . P . F ie ld

ati o n

Rpeons C ode O g ri n i a l R e s p o n s e C o d e A u t h o r iz a t io n R e s p o n s e Cr y pt ogr am Response Code C P S F e i d l s - R e s t cr i t e d T c i k e t In d ic a t o r

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

27 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T C 3 5

T C R 3

T C 3 6

T C R 3

T C 3 8

T C R 5

T C 5 7

T C R 4

R et r iev a l R ef er en ce Num be r

T C 4 8

S e t t lem en t D at e R e p o rt G r o u p = C S e t t lem en t Repor t Gr oup R e p o r t in g ) R e p o r t G ro u p R e p o r t G ro u p 5 4 Re p o r ts) R e p o r t G ro u p R e p o rt G ro u p (B A S E I-6 e CI B LE) R e p o rt G ro u p (B AS E I–12 R e p o rt G ro u p (B A S E I– 5 a CI B LE)

= Spac e = Spac e Repor t For

S e t t lem Repor tG C le a r in g Repor tG S e t t le m

ent ro u p B in ro u p ent

D at e = N ( B r a z il R ep ort ) = N ( B r a z il B in R e p o r t )

N O TE :P

=

R es t r ict ed T i ck et In d ica t or (co nti nu ed )

=

D at e I ( IR F

6 2 .1 3

C P S F e i d l s - R e s t cr i t e d T c i k e t In d ic a t o r

T C R 0

P : 1 5 3 – 1 6 4 L:1 2 F:UN

37

R e itr v a l R e e f er n c e N u m b e r

T C 4 6

T C R 0

P : 3 2 – 3 9 L : 8 F:UN

15

D ea ,t e mS l te e n t

T C 4 6

T C R 0

P : 3 2 – 3 6 L : 5 F:UN

15


T C 4 6

T C R 0

P : 4 1 – 4 7 L : 7 F:UN

15


= J (J a p a n ) = N ( B r a z il

= Spac e Re por t) = Spac e Repor t For

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

V .I . P . F ie ld

ati o n

P:117 L : 1 F:AN

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

Spe ci al Ch ar geback In d ica t or

Sur char ge Am

ount

T C 0 5

T C R 1

T C 0 6

T C R 1

T C 0 7

T C R 1

T C 1 5

T C R 1

T C 1 6

T C R 1

T C 1 7

T C R 1

T C 2 5

T C R 1

T C 2 6

T C R 1

T C 2 7

T C R 1

T C 3 5

T C R 1

T C 3 6

T C R 1

T C 3 7

T C R 1

T C 0 5

T C R 4

T C 0 6

T C R 4

T C 0 7

T C R 4

T C 1 5

T C R 4

T C 1 6

T C R 4

T C 1 7

T C R 4

T C 2 5

T C R 4

T C 2 6

T C R 4

T C 2 7

T C R 4

T C 3 5

T C R 4

T C 3 6

T C R 4

T C 3 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

P:117 L : 1 F:AN

6 3 .6

P:51 –58 L : 8 F:AN

2 8


m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


3 7 -B


V .I . P . F ie ld

ati o n C h a rg e b a c k R e d u c o t i n B/ A S E I Fl ag s

A m o u n t , T r a n s a c t io n F e e

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

47 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T e r m in a l C a p a b il it y P ro fi le

T e r m in a l C o u n t r y C o d e

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

T C R 7

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=



m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

P:16 –21 L : 6 F:D X

130

T e rm i n a l C a p a b t yil i P ro el fi

P:22 –24 L : 3 F:UN

145

Te m r i n a l C o u n y rt C o d e

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

T e r m in a l C o u n t r y C o d e (co nti nu ed )

T C 3 7

T C R 7

T C 4 8

T C R 7

T e r m in a l ID

T C 0 5

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

V .I . P . F ie ld

ati o n

P:22 –24 L : 3 F:UN

145

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41 42


T C 0 6

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 0 7

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 1 5

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 1 6

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 1 7

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 2 5

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 2 6

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


5 7 -B


Te m r i n a l C o u n y rt C o d e


N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

67 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T e r m in a l ID (co nti nu ed )

N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41 42


T C 3 5

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 3 6

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 3 7

T C R 1

P : 9 6 – 1 0 3 L : 8 F:AN

41


42


T C 4 8

T C R 0

P : 1 4 9 – 1 5 6 L : 8 F:AN

41


42


F o r m a t ,A N

V is a

V .I . P . F ie ld

ati o n

T C 2 7

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w


N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

T e r m in a l N e g a t iv e V e r s io n ID

T e r m in a l N e g a t iv e V e r s io n ID (co nti nu ed ) N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

F il e

F il e

=

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=

ati o n

P:16 –19 L : 4 F:UN

136

amo gprytC r

P : 1 6 – 1 9 L : 4 F:UN

136

amo gprytC r


7 7 -B


V .I . P . F ie ld

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

87 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T e r m in a l S e r ia l N u m b e r

T e r m in a l T r a n s a c t io n D at e

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

T C R 7

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=



m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

V .I . P . F ie ld

ati o n

P:25 –32 L : 8 F:AN

133

P:10 –15 L : 6 F:UN

1 4 6

T e mr i n a l S e a ir l N u m b e r

T e r m in a l T r a n s a c t io n D a t e

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

T e r m in a l T r a n s a c t io n D at e (co nti nu ed )

T e r m in a l V e r if ic a t io n R es ul t s

T e x t M e s s a g e

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

T C R 7

T C 0 5

T C R 7

T C 0 6

T C R 7

T C 0 7

T C R 7

T C 1 5

T C R 7

T C 1 6

T C R 7

T C 1 7

T C R 7

T C 2 5

T C R 7

T C 2 6

T C R 7

T C 2 7

T C R 7

T C 3 5

T C R 7

T C 3 6

T C R 7

T C 3 7

T C R 7

T C 4 8

T C R 7

T C 0 5

T C R 2

T C 0 6

P:10 –15 L : 6 F:UN

1 4 6

P:69 –78 L:1 0 F:D X

13 1

P : 1 4 0 – 1 5 9 L:2 0 F:AN

4 8

T C 0 7 T C 2 5 T C 2 6 T C 2 7 N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


=


9 7 -B


V .I . P . F ie ld

ati o n T e r m in a l T r a n s a c t io n D a t e

T e r m ni a l V e rcfi a toi n R e s u tls ( T V R )


N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

08 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T o t a l A u t h o r iz e d

A m o u n t T C

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 3 8

T C R 1

P : 1 2 7 – 1 3 8 L:1 2 F:UN

T C 5 7

T C R 3

P : 4 3 – 5 4 L:1 2 F:UN

8 C4 T

T r a c e A u d it N u m b e r

R1 C T

V .I . P . F ie ld

ati o n

0 5

P:50 –61 L:1 2 F:UN

33 –82: P

6 2 .1 4

C P S F e i d l s - T o ta l A m o u n t A u th o riz e d

11


L : 6 F:UN T C 4 6

T r a n s a c t io n A m o u n t R e p o r t G ro u p = J (J a p a n ) N O TE :P

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

V is a

=

T C R 0

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

P : 6 4 – 7 8 L:1 5 F:UN =


O v e r v ie w

4 6

A m o u n t , T r a n s a c t io n A m o u n t, C a dr h o d l e r n iB gl l i

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform

s a c t io n A m o u n t r o u p = N ( B r a z il B in R e p o r t ) r o u p = N ( B r a z il e n t B in R e p o r t )

T C 4 6

a n s a c t io n A m o u n t rt G ro u p = S p a c e S E I-6 e Re p o r t F o r LE)

T C 4 6

T r a n Repor tG C le a r in g Repor tG S e t t le m T r Repo (B A CI B


D a t e


ID

N O TE :P

=

=

P o s i t io n , L

L en g

th ,F

=

T C R 0

P : 7 9 – 9 3 L:1 5 F:UN

T C R 0

T C R 0

P : 8 6 – 8 9 L : 4 F:UN

T C 4 8

T C R 0

P : 5 5 – 5 8 L : 4 F:UN

T C 0 9 T C 1 9

T C R 5 T C R 5

P:5–19 L:1 5 F:UN

=

A l ph a n u

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


4 6

P : 4 2 – 5 6 L:1 5 F:UN

T C 3 3

F o r m a t ,A N

=

4


7

6 2 .2



6

1 8 -B


V .I . P . F ie ld

ati o n

a Tr n s m os in D a e t a n d T m i e

C P S F ei dl s - T r a n s a c toi n dI e n tefi r (Bi t M ap For m at )

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

28 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform


T r a n s a c t io n (co nti nu ed )

N O TE :P

=

P o s i t io n , L

Id e n t if ie r

Id e n t if ie r

=

L en g

th ,F

=

T C R 5

T C 0 6

T C R 5

T C 0 7

T C R 5

T C 1 0

T C R 5

T C 1 5

T C R 5

T C 1 6

T C R 5

T C 1 7

T C R 5

T C 2 0

T C R 0

T C 2 5

T C R 5

T C 2 6

T C R 5

T C 2 7

T C R 5

T C 3 5

T C R 5

T C 3 6

T C R 5

T C 3 7

T C R 5

T C 3 8

T C R 0

P : 1 0 4 – 1 1 8 L:1 5 F:UN

T C 4 8

T C R 2

P : 4 5 – 5 9 L:1 5 F:UN

T C 5 2

T C R 1

P : 6 9 – 8 3 L:1 5 F:UN

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

V .I . P . F ie ld

ati o n

T C 0 5

P:5–19 L:1 5 F:UN

6 2 .2


6 2 .2


P : 1 4 8 – 1 6 2 L:1 5 F:UN P:5–19 L:1 5 F:UN P:5–19 L:1 5 F:UN

=


O v e r v ie w

N a m e

V is a

T a b le

B - 2

B A S E


BASE


II t o

V .I .P . F ie ld


I I C l e a r in g

M a t r ix

S y s tem

O v e r v ie w



B A S E


I I F i e ld Inform


T C 0 5

T y p e

T C R 7

T C 0 6

T C 0 7

=

P o s i t io n , L

=

L en g

th ,F

=

F o r m a t ,A N

=

m e r ic , U N

=

Un pa ck

ed

Num

e r ic , D X


144 148

P : 5 – 6 L : 2 F:AN

T C R 7

A l ph a n u

144 148

P : 5 – 6 L : 2 F:AN

T C R 7

T C 1 7

144 148

P : 5 – 6 L : 2 F:AN

T C R 7

T C 1 6

144 148

P : 5 – 6 L : 2 F:AN

T C R 7

T C 1 5

N O TE :P

P : 5 – 6 L : 2 F:AN

T C R 7

144 148

P : 5 – 6 L : 2 F:AN =

144 148


3 8 -B


V .I . P . F ie ld

ati o n C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e C ry p to g ra m T ra n s a c o ti n T y p e C yr p ot g ar m C u er n c y C o d e

N a m e

x e d nI

14

Ap r 20 07

BASE

II t o

V .I.P . F i e l d

dl ei F . P .I . V

o t II

E S A B

In d e x


T a b le

B - 2

48 -B

B A S E


II t o

V .I .P . F ie ld


M a t r ix



B A S E


I I F i e ld Inform

T r a n s a c t io n (co nti nu ed )

T y p e

T C 2 5

T C R 7

P : 5 – 6 L : 2 F:AN

T C 2 6

T C R 7

P : 5 – 6 L : 2 F:AN

T C 2 7

T C R 7

T C 3 5

T C 3 6

T C 5 7

N O TE :P

=

P o s i t io n , L

=

L en g

P : 5 – 6 L : 2 F:AN

T C R 7

T C 5 9

T r a n s a c t io n T y p e T ra n s a c tio n D e ta il

F:AN P : 5 – 6 L : 2 F:AN

T C R 7

T C 4 8

T C 5 7

P : 5 – 6 L : 2

T C R 7

T C 3 7

T r a n s a c t io n T y p e C a r d h o l d e r T r a n s a c t io n D etai l (K orea)

P : 5 – 6 L : 2 F:AN

T C R 7

P : 5 – 6 L : 2 F:AN

T C R 0

P : 1 4 0 L : 1 F:AN

T C R 0

P : 1 7 – 1 8 L : 2 F:UN P: 7 7

T C R 0

th ,F

=

F o r m a t ,A N

V is a

=

A l ph a n u


m e r ic , U N

=

BASE

Un pa ck

ed

I I C l e a r in g

Num

e r ic , D X

S y s tem

=


O v e r v ie w

144 148 144 148 144 148 144 148 144 148 144 148 144 148 144 148 144 148 144

L : 1 F:AN

V .I . P . F ie ld

ati o n

148

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r m e m b e r f in a n c ia l in s t it u t io n t h a t h a s a g r e e m e n t s w it h m e r c h a n t s t o a c c e p t V is a c a r d s a c t io n s o r o f f e r s c a s h d i s b u r s e m e n t s e r v i c e s t o c a r d h o l d e r s , o r b o t h . T h e a c q u ir e r is p o n s i b le f o r :

• A c c e p t in g c a r d t r a n s a c t io n d a t a f r o m m e r c h a n t s a n d it s o w n A T M s a n d b a n k • P r o v i d i n g a u t h o r iz a t io n d e c i s i o n s t o t h o s e c a r d - a c c e p t in g lo c a t io n s • C o n v e y i n g t r a n s a c t io n in f o r m a t io n t o V is a a s in t e r c h a n g e t r a n s a c t io n s

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acq ui rer cen ter A B A S E II p r o c e s s in g c e n t e r s u p p o r t in g o n e o r m o r e V is a a c q u ir e r s . T h e p r o c e s s in g c e n t e r

r e c e i v e s t r a n s a c t io n in f o r m a t io n f r o m m e r c h a n t s a n o f a c q u ir e r s ; p r o c e s s e s lo c a l t r a n s a c t io n s a n d s e n d d i s t r ib u t io n t o t h e is s u e r p r o c e s s i n g c e n t e r s ; a n d m e r c h a n t s a n d a g e n t s a n d , f o r in t e r c h a n g e transact th e B A S E I S y s te m .

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14

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b a la n c i n g a n d r e c o n c ilia t i o n T h e p r o c e s s o f a c c o u n t in g f o r t h e n u m b e r a n d a m o u n t o f t r a n s a c t io n s a n d t h e c u r r e n c y o f e a c h t r a n s a c t io n in a B A S E I c y c l e . BASE

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p r im a r ily u s e d f o r t h e e x c h a n g e o f V is a in t e r c h a n g e

ta rn a d n s a ics t s u i eo nr s . d a T h t ia s a ns y ds t e fm o r s ies t at ll e ms o e u n s e dt o f b yt h e c e n v t a l ue er s o t fo t r h e o t r is e e v e t r ar ne c o s r a c t d s i o n f r o s m b e t t h w e e e n A d v ai c c e q u F i i lr e e r sa n d b y V i s a t o s e t t le v a r io u s f e e s w it h m e m b e r s . G lo s s a ry

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A s e t o f t r a n s a c t io n r e c o r d s , t e r m in a t in g w it h a b a t c h t r a ile r, s e n t t h r o u g h B A S E II . b a t c h a c k n o w le d g m e n t t r a n s a c t io n A r e c e ip t c o n f ir m a t io n g e n e r a t e d a t a V IC o f e a c h b a t c h o f o u t g o in g t r a n s a c t io n s . T h e s e t r a n s a c t io n s a r e r e c e iv e d in t h e c e n t e r ’ s in c o m in g I n t e r c h a n g e T r a n s a c t io n F i le . ba tch

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t r a i le r r e c o r d A r e c o r d d e s ig n a t in g t h e e n d o f a b a t c h o f B A S E II t r a n s a c t io n s . It c o n t a in s c o u n t a n d m o n e t a r y t o t a l s u s e d t o c o n t r o l t h e in t e g r it y o f t h e b a t c h ’ s t r a n s a c t io n d a t a . S e e a l s o m e r c h a n t b a t c h t r a i le r r e c o r d .

B ill P a y m e n t S e r v ic e A s e r v ic e a llo w in g a m e m b e r t o a c c e p t p a y m e n t f r o m a V is a c a r d h o ld e r w h o s e a c c o u n t b e l o n g s t o a n o t h e r m e m b e r a n d t o c r e d i t t h e i s s u e r t h r o u g h B A S E I . T h e is s u e r a n d t h e m e m b e r r e c e i v in g t h e p a y m e n t m u s t b o t h b e i n t h e s a m e c o u n t r y . U s e d in C a n a d a and B r a z i l.

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b illin g c u r r e n c y T h e c u r r e n c y in w h ic h t h e is s u e r b ills t h e c a r d h o ld e r f o r t r a n s a c t io n s . B IN

S e e B A S E I d e n t if ic a t io n N u m b e r ( B I N ) . B IN F i le T h e p e r m a n e n t fi le fo r a B IN T a b le , w h ic h is u s e d t o c o n t r o l t h e a c c u r a c y o f E d it P a c k a g e p r o c e s s i n g . T h e t a b le c o n t a i n s a l l v a l id B I N s a n d t h e ir B A S E I p r o c e s s i n g s t a t u s c o d e s . c a r d is s u e r p r o c e s s i n g c e n t e r S e e is s u e r c e n t e r . C a r d R e c o v e r y B u l le t in ( C R B ) A p a p e r lis t in g , p u b lis h e d a n d d is t r ib u t e d b y V is a , t h a t c o n t a in s V is a a c c o u n t n u m b e r s f o r w h i c h c a r d p i c k u p is r e q u ir e d . car d type A o n e - c h a r a c t e r a lp h a b e t ic c o d e t h a t in d ic a t e s t h e c a r d t y p e r e p r e s e n t e d b y a n e n t r y in t h e A R D E F T a b le ; f o r e x a m p le , P r e p r e s e n t s V is a G o ld . car dh ol de r pr oce ssi ng cen ter S e e is s u e r c e n t e r . cas h adv anc e T h e d is b u r s e m e n t o f c a s h f r o m u s e o f a V i s a o r P lu s c a r d . cash

a n A T M , b a n k t e lle r, o r a u t h o r iz e d m e r c h a n t b a s e d o n

b a c k f ie l d A n in e - d ig it f ie ld t h a t s p e c if ie s t h e c u r r e n c y a m o u n t t h a t is p a id o u t w h e n a p u r c h a s e t r a n s a c t io n o c c u r s .

C e n t e r T r a n s a c t io n F i le ( C T F ) T h e o u t g o in g C e n t e r T r a n s a c t io n F ile c o n p r o c e s s i n g c e n t e r ’ s p r e - e d it p r o g r a m . I f t h e f o r m a t is a c c e p it is c o n v e r t e d t o a n I T F a n d is s u b m it t e d t o t h e V I C . T h e F i l e c o n t a i n s I T F d a t a t r a n s m it t e d f r o m t h e V I C t h r o u g h t h e p r o c e s s i n g . I f t h e r e a r e n o e r r o r s , t h e I T F is c o n v e r t e d t o a p o s t - e d it p r o g r a m .

t a in s t a b le in c o m VAP to C TF and

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cent ral pr ocessi ng dat e (C P D ) T h e d a t e ( b a s e d o n G M T ) w h e n t h e IT F o r r e p o r t in q u e s t io n w a s g e n e r a t e d a t a V IC . cha rge ba ck A s a le s d r a ft o r o t h e r it e m t h a t h a s b e e n e x a m in e d b y t h e is s u e r c e n t e r, fo u n d t o b e im p r o p e r, a n d s e n t b a c k t o t h e a c q u i r e r c e n t e r w it h o t h e r o u t g o i n g in t e r c h a n g e . C har geback A w o r Vi saN et and the

14

Ap r 20 07

R e d u c t io n S e r v ic e ( C R ld w id e s e r v ic e t h sy st em s to reduce the t im e n e e d e d to re s e a r


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d e d to a com put num ber . R ef er ence

t h e e n d o f a n a c c o u n t n u m b e r o r A c q u ir e r R e fe r e n c e N u m b e r t h a t is a t io n u s i n g a p r e d e t e r m i n e d f o r m u l a a n d t h e p r e c e d i n g d i g i t s o f I t is u s e d d u r in g e d i t in g p r o c e s s e s t o v a l id a t e a c c o u n t n u m b e r s N um ber s.

Chi p Ca rd S e e I n t e g r a t e d C ir c u i t C a r d . C h i p D e b i t /C r e d i t S e e V i s a S m a r t D e b i t /V i s a S m a r t C r e d i t ( V S D C ) . c le a r i n g A ll o f t h e fu n c t io n s r e q u ir e d t o c o lle c t a t r a n s a c t io n fr o m c u r r e n c y a n d d e liv e r it t o t h e is s u e r in t h e c a r d h o l d e r ’ s c u r r e n c y .

a n a c q u ir e r in t h e m e r c h a n t ’s

c o lle c t i o n - o n ly t r a n s a c t i o n s ( 1 ) A n in t r a p r o c e s s o r t r a n s a c t io n s u b m it t e d t o B A S E I I f o r c o l le c t io n o n ly ( n o t s e t t le m e n t o r d e l iv e r y ) . N o r m a l B A S E I p r o c e s s i n g c h a r g e s a n d in t e r c h a n g e r e i m b u r s e m e n t f e e s d o n o t a p p l y t o c o l e c t io n - o n ly t r a n s a c t io n s . c o p y / o r ig in a l A c o p y o f a t r a n s a c t io n r e q u e s t e d fr o m ( S y n o n y m o u s w it h o r ig i n a l/ p h o t o c o p y . ) C P D

t h e a c q u ir e r c e n t e r b y t h e is s u e r c e n t e r.

S ee cent ral pr ocessi ng dat e (C PD ).

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rat e a p p lie d b y V is a In t e r n a t io n a l t o c e r t a in t r a n s a c t io n s ( o r ig in a l s a le s d r a f t s , t r a v e l v o u c h e r s , c r e d it v o u c h e r s , a n d c a s h d i s b u r s e m e n t s ) a n d t h e t r a n s a c t io n s .


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c u r r e n c y t r a d in g c u t o f f T h e t im e a t w h ic h c u r r e n c y c o n v e r s io n r a t e s e x p ir e . C u s t o m M e r c h a n t S e r v ic e A s e r v ic e t h a t t a ilo r s in t e r c h a n g e r e im b u r s e m e n t fe e s t o s p e c if ic m e r c h a n t c a t e g o r ie s . Cust om A set lif e

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m e n t S e r v ic e ( C P S ) a p a y m e n t s e r v ic e t h a t m in im iz e s c h a r g e b a c k s a n d fa c ilit a t e s t r a n s a c t io n c le a r in g a n d e n t b y a s s i g n in g a u n iq u e id e n t if ie r t h a t s t a y s w it h t h e t r a n s a c t io n t h r o u g h o u t it s le .

D at a C apt ur e Advi ce A b a t c h t r a n s a c t io n t h a t d e liv e r s d a t a f o r t r a n s a c t io n s c a p t u r e d a t m e r c h a n t lo c a t io n s t o th e a c q u i re r c e n t e r fo r s u b s e q u e n t s u b m is s io n t o B A S E I I . D a t a C a p t u r e S e r v ic e M e r c h a n t s ’ u s e o f e l e c t r o n ic t e r m in a ls a t p o in t s o f s a l e ( P O S ) t o c a p t u r e s a l e s t r a n s a c t io n d a t a . M e m b e r s c a n r e c e i v e r e p o r t s o n t r a n s a c t io n s t h a t h a v e o c c u r r e d a t e a c h m e r c h a n t lo c a t io n . D B A

T h e “ d o in g b u s in e s s a s ” n a m e o f t h e m e r c h a n t . ( T h e D B A n a m e is r e q u ir e d in a ll B A S E II r e c o r d s t h a t in c l u d e m e r c h a n t I D t o e n s u r e c a r d h o l d e r r e c o g n it io n . ) d e s c r ip t iv e

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o ld e r r e c e iv e s a s t a t e m e n t c o n t a in in g a d e s c r ip t iv e (m er cha nt , ban k br an ch or bu sine ss f o r e a c h t r a n s a c t io n p o s t e d t o t h e n e d t o t h e c a r d h o ld e r .

de signa ted cur ren cy O n e o f t h e c u r r e n c i e s t h a t m a y b e c h o s e n b y a m e m b e r f o r s e t t le m e n t a n d

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d e s t in a t io n B I N T h e B IN t o w h ic h a B A S E II t r a n s a c t io n m e s s a g e is s e n t . d e s t in a t io n c u r r e T h e c u rre t r a n s a c t io n s f e e c o l le c t io n docum

nc y n c y t y p e p r e s e n t e d t o t h e m e m b e r o n in c o m in g t r a n s a c t io n s . F o r m o s t ( t h a t is , d r a f t s ) , it is t h e b i llin g c u r r e n c y . F o r o t h e r t r a n s a c t io n s ( f o r e x a m p l e , , c h a r g e b a c k ) , it is t h e s e t t le m e n t c u r r e n c y o f t h e d e s t in a t io n .

e n t a t io n r e q u e s t S e e R e q u e s t f o r C o p y o f t r a n s a c t io n .

d r a f t d a t a t r a n s a c t io n A B A S E II f in a n c ia l t r a n s a c t io n t h a t c o n t a in s d a t a f o r a c a r d h o ld e r t r a n s a c t io n a n d r e s u lt s in a d e b it o r a c r e d i t t o c l e a r in g m e m b e r s d u r in g t h e s e t t le m e n t p r o c e s s .

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E a r ly D e liv e r y S e r v i c e O p t io n b y w h i c h t r a n s a c t io n d a t a is d e liv e r e d t o t h e p r o c e s s i n g c e n t e r b e f o r e s e t t le m e n t is c o m p l e t e d . EA

Ser v er S ee Vi sa Ex tended

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E d it P a c k a g e T h e c o m p u t e r p r o g r a m s s u p p lie d b y V is a In t e r n a t io n a l t o p r o c e s s in g c e n t e r s t o v a lid a t e in t e r c h a n g e d a t a , p r o d u c e t h e f ile c o n t a i n i n g a l l i n t e r c h a n g e d a t a to b e s e n t fro m th e p r o c e s s i n g c e n t e r t o V i s a , a n d p r o c e s s t h e f ile o f in c o m in g t r a n s a c t io n s r e c e i v e d f r o m V i s a . Edi t Package pr ocessi ng dat e T h e d a t e u s e d b y t h e E d it P a c k a g e d u r in g a s p e c if ic r u n . T h is c a n b e t h e c o m p u t e r ’s s y s t e m d a t e o r a d a t e s p e c if ie d o n t h e R U N D A T E r u n c o n t r o l o p t io n . e le c t r o n i A p used com

c t e r m in a l o in t - o f- s a le t e r m in a l, a n a u t o m a t e d t e lle r m a c h in e , o r a c a s h d is p e n s in g m a c h in e a t t h e p o i n t o f t r a n s a c t io n t o g e n e r a t e e l e c t r o n i c im p u l s e s t h a t a r e c a p t u r e d in p u te r - re a d a b l e fo r m .

f e e c o lle c t io n t r a n s a c t io n A B A S E II t r a n s a c t io n r e p r e s e n t in g a m is c e lla n e o u s fi n a n c ia l c h a r g e a s s e s s e d b y o n e m e m b e r o r b y V i s a a g a in s t a n o t h e r m e m b e r . F i le C o r r e c t io n A f a c ilit y t r a n s a c t io n s one or m or e

G lo s s a ry

S e rvice in v o k e d a t t h e d is c r e t io n o f V is a m a n a g e m e n t t o r e v e r s e in c o r r e c t fi n a n c ia l s u b m it t e d b y a p r o c e s s i n g c e n t e r . A l f in a n c i a l t r a n s a c t io n s in a n e n t ir e f ile o r s e l e c te d b a t c h e s m a y b e re v e r s e d .

F i le D is t r ib u t io n S e r v i c e T h e r e c e ip t o f fi le s t h r o u g h B A S E II b a s e d o n a n a r r a n g e m e n t t h a t b e s t m e e t s t h e m e m b e r ’ s n e e d s a n d p r o c e s s i n g s c h e d u l e s . I t c a n d i s t in g u i s h a n d s i m u l t a n e o u s l y p r o c e s s in t e r c h a n g e , n o n f in a n c i a l , a n d s e t t le m e n t d a t a . I t c a n s e p a r a t e r e p o r t d e liv e r y f r o m in t e r c h a n g e p r o c e s s i n g . f ile h e a d e r r e c o r d A r e c o r d d e s ig n a t in g t h e b e g in n in g o f a n C T F o r IT F . It c o n t a in s t h e p r o c e s s in g c e n t e r ID , s e c u r it y c o d e , a n d r e l e v a n t c o n t r o l in f o r m a t io n . f ile t r a ile r r e c o r d A r e c o r d d e s ig n a t in g t h e e n d o f a C T F o r IT F . It c o n t a in s c o u n t a n d m o n e t a r y t o t a ls u s e d t o c o n t r o l t h e in t e g r it y o f f ile c o n t e n t . A C T F is t e r m in a t e d w it h o n e f ile t r a i le r r e c o r d r e g a r d l e s s

o f t h e n u m b e r o f v o l u m e s u s e d t o c o n t a i n t h e d a t a ; a n I T F o n t a p e is t e r m in a t e d w it h a f ile t r a i le r r e c o r d a t t h e e n d o f e a c h v o l u m e , if m u l t ip l e v o l u m e s a r e n e e d e d . f ile t r a n s f e r E l e c t r o n i c t r a n s f e r o f a n IT F b e t w e e n

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f in a n c i a l c o n t r o ls T h o s e c o n t r o ls s u r r o u n d in g g e n e r a l le d g e r a c t iv it ie s a n d p r o c e d u r e s r e la t in g t o b a n k c a r d a c c o u n t in g . f lo o r lim it T h e m a x im u m

d o lla r a m o u n t f o r a t r a n s a c t io n w it h o u t h a v in g t o o b t a in a u t h o r iz a t io n .

f r a u d a d v i c e t r a n s a c t io n A B A S E II t r a n s a c t io n s e n t b y a c e n t e r t o n o t if y V is a o f t h e p o s s ib le f r a u d u le n t u s e o f a c a r d . S e n t o n ly w it h o u t g o i n g in t e r c h a n g e t r a n s a c t io n s f r o m t h e is s u e r c e n t e r . freef or m See

text m essage te x t m e s s a g e .

f u n d s d i s b u r s e m e n t t r a n s a c t io n A B A S E II t r a n s a c t io n u s e d t o t r a n s f e r m o n e t a r y c r e d it f r o m o r t o r e v e r s e a f e e c o l le c t io n t r a n s a c t io n .

o n e B A S E II e n t it y t o a n o t h e r

H is t o r y F ile T h e E d it P a c k a g e f ile u s e d t o s t o r e t h e h is t o r y o f o u t g o in g a n d in c o m in g p r o c e s s in g r u n s , a n d t o c o n t r o l r e r u n s a n d a s s i g n b a t c h n u m b e r s f o r m u l t ip l e d a i ly r u n s . host

com put er (s) T h e c o m p u t e r s y s t e m u s e d a t t h e p r o c e s s in g c e n t e r t o p r o c e s s B A S E II in t e r c h a n g e o r B A S E I in q u i r ie s , o r b o t h , a n d o t h e r a u t h o r iz a t io n - r e l a t e d m e s s a g e s .

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I C S in p u t / r e s p o n s e t r a n s a c t io n A B A S E II t r a n s a c t io n s e n t ( in p u t ) o r r e c e iv e d ( r e s p o n s e ) b y a c e n t e r p a r t ic ip a t in g in t h e I s s u e r s ’ C le a r in g h o u s e S e r v i c e . in c o m in g in t e r c h a n g e A ll B A S E II t r a n s a c t io n s t r a n s m it t e d f r o m a V IC o f r e c e i v i n g in c o m in g in t e r c h a n g e t r a n s a c t io n d a t a f r o m a V I C . In t e g r a t

t o a p r o c e s s in g c e n t e r, o r t h e e n t ir e p r o c e s s

e d C ir c u it C a r d A p la s t ic c a r d e m b e d d e d w it h a s ilic o n c h ip t h a t h a s g r e a t e r s t o r a g e c a p a b ilit ie s t h a n a m a g n e t ic s t r ip e a l lo w in g f o r m o r e r o b u s t f u n c t io n a l it y a n d m u l t ip l e a c c o u n t s t o r e s i d e o n one physi cal car d.

in t e r c h a n g e p r o c e s s in g T h e e le c t r o n ic m o v e m e n t o f t r a n s a c t io n d a t a b e t w e e n a c q u ir e r s a n d is s u e r s .

14

Ap r 20 07


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In t e r c h a n g e R e i m b u r s e m e n t F e e ( IR F ) A fe e p a id b y is s u e r s a n d a c q u ir e r s t o e a c h o t h e r fo r t r a n s a c t io n s e n t e r e d in t o in t e r c h a n g e ( a n d t h e ir r e v e r s a l s ) t o b a la n c e t h e c o s t o f d o in g b u s i n e s s . in t e r c h a n g e t r a n s a c t io n A n y t r a n s a c t io n w h e r e t h e m e m b e r t h a t s ig n e d t h e c a r d h o ld e r s u b m it s t r a n s a c t io n s t h r o u g h a d i f f e r e n t p r o c e s s in g c e n t e r t h a n t h e m e m b e r t h a t s i g n e d t h e m e r c h a n t . I n t e r c h a n g e T r a n s a c t io n F i le T h e o u tg o i n g In t e r c h a e n d p o i n t . T h i s f ile m a y b e p r e - e d it p r o c e s s i n g , o r it m

( IT F ) n g e T r a n s a c t io n F i le c o n t a i n s t r a n s a c t io n s s e n t t o V is a N e t b y a n c r e a t e d b y th e o u t g o i n g E d i t P a c k a g e a f t e r t h e e n d p o i n t ’s a y b e s e n t d i r e c t ly t o V is a N e t .

T h e in c o m in g I n t e r c h a n g e T r a n s a c t io n F i le c o n t a i n s t r a n s a c t io n s d e liv e r e d t o a n e n d p o i n t b y V i s a N e t . T h i s f ile m a y b e r e a d b y t h e E d i t P a c k a g e p r io r t o t h e t r a n s a c t io n b e i n g p r o c e s s e d b y t h e e n d p o i n t ’ s p o s t - e d it p r o c e s s i n g , o r it m a y b e d i r e c t ly p r o c e s s e d by the en dp oi nt . in t e r f a c e t r a n s a c t io n a d v i c e A n o t ic e t o c e r t a in n o n - V is a c a r d is s u e r s o f t r a n s a c t io n s c a p t u r e d b y V is a t e r m in a ls a t m e r c h a n t lo c a t io n s . T h e s e n o t ic e s a r e c r e a t e d b y t h e t e r m in a l p r o v i d e r a n d a r e t r a n s m it t e d t h r o u g h t h e B A S E I S y s t e m t o n o n - V i s a c a r d is s u e r s . I n t e r n a t io n a A n o p c o u n try . D is b u r s e m Vi sa or

l A cq t io n It m ent P lu s

u i r in g F e e ( IA F ) a l r e g io n a l fe e p a id a y b e a s s e s s e d fo r S a l e s D ( T C 0 7 ) o r ig i n a l a n d r e p r e s e n t N e t w o r k e q u i v a l e n t tra n s a c t

b y t h e a c q u ir e r w h e n a t r a n s a c t io n o c c u r s o u t s id e t h e is s u e r ’s r a f t ( T C 0 5 ) o r ig i n a l a n d r e p r e s e n t m e n t , C a s h m e n t , T C 0 5 & T C 0 7 re v e r s a l s a n d th e i r S M S io n s .

I n t e r n a t io n a l A ir lin e P r o g r a m A p r o g r a m t h a t p e r m it s a c q u ir e r s o f m e r c h a n t s d e s ig n a t e d b y V is a a s in t e r n a t io n a l a ir lin e s t o d e p o s i t t r a n s a c t io n s o u t s i d e t h e c o u n t r y w h e r e t h e t r a n s a c t io n s o c c u r r e d . G lo s s a ry

I n t e r n a t io n a l O u t g o i n g I n t e r c h a n g e ( I O I ) f e e S e e I n t e r n a t io n a l A c q u ir in g F e e s in t e r n a t io n a l a ir lin e t r a n s a c t i o n s I n t e r n a t io n a l A i r lin e P r o g r a m t r a n s a c t io n s in w h i c h t h e is s u e r th e s a m e c o u n t ry.

a n d m e r c h a n t a r e n o t in

in t e r r e g io n a l t r a n s a c t i o n A t r a n s a c t io n w h e r e t h e m e r c h a n t a n d is s u e r a r e n o t in t h e s a m e V is a r e g io n . in t r a p r o c e s s o r t r a n s a c t io n A t r a n s a c t io n w h e r e t h e a c q u ir e r a n d t h e is s u e r a r e t w o d if f e r e n t m e m b e r s b u t b o t h a r e s e r v ic e d b y t h e s a m e p r o c e s s o r . in t r a r e g io n a l t r a n s a c t i o n A t r a n s a c t io n w h e r e t h e m e r c h a n t a n d is s u e r a r e in t h e s a m e V is a r e g io n b u t a r e n o t in th e s a m e c o u n t ry.

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IO I f e e S e e I n t e r n a t io n a l A c q u ir in g F e e s ( I A F ) IR F

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( IR F ) .

is s u e r A m e m b e r f in a n c ia l in s t it u t io n t h a t is s u e s V is a c a r d s . t h a t is s u e d t h e c a r d u s e d f o r t h a t t r a n s a c t io n t o t h e c a r d h o l d e r. T h e is s u e r f o r m a i n t a i n i n g t h e a c c o u n t s o f it s c a r d h o l d e r s , f o r p r o v i d in g a u t h o r iz a t io n c a r d h o l d e r b i l in g , a n d f o r s e t t le m e n t o f t r a n s a c t io n s it s c a r d h o l d e r s h a v e a n d c a s h d i s p e n s i n g lo c a t io n s o f o t h e r m e m b e r s . E a c h is s u e r o p e r a t e s o r is s u e r c e n t e r t o p e r f o r m t h e f u n c t io n s r e l a t e d t o c l e a r in g a n d s e t t le m e n t o f tra n sa cti o n s. is s u e

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r s ’ C le a r in g h o A s e r v ic e d a n d th e fra u d u l thr ough B AS E

o r m o r e is s u e r s . T h e p r o c e s s in g e ) fo r c a r d h o l d e r c e n t e r is a l s o dh ol de rs of the

u s e S e r v ic e ( I C S ) e v e lo p e d t o c u r t a il t h e fr a u d u le n t o r e x c e s s iv e u s e o f c r e d it c a r d a p p lic a t io n s , e n t u s e o f c r e d i t c a r d s . Is s u e r s m a y a c c e s s o r u p d a t e t h e IC S d a t a b a s e I.

I T F S e e I n t e r c h a n g e T r a n s a c t io n J u l ia n

c e n t e r a c t in g in s u p p o r t o f o n e c a r d h o l d e r t r a n s a c t io n s ( lo c a l a n d in t e r c h a n g F o r c o m p l e t e d in t e r c h a n g e t r a n s a c t io n s , t h e p r o c e s s i n g in c o m in g t r a n s a c t io n s f o r t h e c a r

F o r a g iv e n t r a n s a c t io n , t h e in s t it u t io n is r e s p o n s i b l e d e c i s i o n s , fo r w it h m e r c h a n t s desi gnat es an in t e r c h a n g e

F i le ( I T F ) .

da te A d a t e e x p r e s s e d a s t h e d a y ’s p o s it io n in a y e a r r a t h e r t h a n in a p a r t ic u la r m o n t h . T h e fo r m a t i s Y D D D o r Y Y D D D .

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m e m b e r s e t t le m e n t d a t a t r a n s a c t io n A n in c o m in g t r a n s a c t io n u s e d t o t r a n s m it s e t t le m e n t r e p o r t d a t a in m a c h in e - r e a d a b le for m at . m er chant

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14

Ap r 20 07


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M e r c h a n t M a i lin g F i le A fi le a t t h e V IC c o n t a in in g t h e n a m e s , a d d r e s s e s , a n d o t h e r p e r t in e n t in f o r m a t io n fo r m e r c h a n t s w h o r e c e i v e t h e C a r d R e c o v e r y B u l le t in . M e r c h a n t M a i lin g F i le t r a n s a c t io n T h e B A S E II t r a n s a c t io n u s e d b y p r o c e s s in g c e n t e r s t o u p d a t e t h e M e r c h a n t M a s t e r F ile . It is t r a n s m it t e d f r o m a c q u i r e r c e n t e r s t o a V I C . M e r c h a n t M a s t e r F i le A c o m p u t e r r e c o r d o f in fo r m a t io n o n a ll m e r c h a n t s s e r v ic e d b y a c e n t e r. T h is f ile is m ai nt ai ne d at the pr ocessi ng cen ter . m er chant pr ocessi ng cent er S e e a c q u ir e r c e n t e r . m u lt ic u T h the th e the

r r e n c y c l e a r in g e c le a r in g o f t r a n s a c t io n s w h e r e m e m b e r s e n t e r fi n a n c ia l t r a n s a c t io n s in t o B A S E II in c u r r e n c y a s s i g n e d b y t h e c a r d h o l d e r, a n d r e c e i v e c l e a r e d t r a n s a c t io n s c o n v e r t e d t o is s u e r ’ s b i l in g c u r r e n c y . T h i s r e s u lt s in u n if o r m c o n v e r s i o n r a t e s f o r a l l is s u e r s f o r pr ocessi ng da y.

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n a t io n a l s e t t le m e n t t r a n s a c t io n A N a t io n a l N e t t r a n s a c t io n . n a t io n a l t r a n s a c t io n A t r a n s a c t io n in w h ic h t h e m e r c h a n t , is s u e r, a n d a c q u ir e r a r e a ll in t h e s a m e c o u n t r y .

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n s a c t io n n e t a r y t r a n s a c t io n t h a t s u p p o r t s t h e b a n k c a r d b u s in e s s . F o r e x a m p le , a r e q u e s t o r o f a p h o t o c o p y , f r e e f o r m m e s s a g e , B A S E I A d v i c e r e c o r d , M e r c h a n t M a i lin g d a t a c a p t u r e a d v i c e , a n d I s s u e r s ’ C le a r in g h o u s e S e r v i c e in q u i r y o r r e s p o n s e .

t r a n s a c t io n s D r a f t s , v o u c h e r s a n d o t h e r it e m s w h e r e t h e m e m b e r t h a t s i g n e d t h e m e r c h a n t a l s o s i g n e d th e c a rd h o l d e r , o r w h e r e th e m e m b e r t h a t s i g n e d th e m e r c h a n t a n d th e m e m b e r t h a t

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am ount r r e n c y a m o u n t r e p r e s e n t in g t h e d if f e r e n c e b e t w e e n a s e t t le m e n t e n t it y ’s o u t g o in g in g in t e r c h a n g e f o r a g i v e n d a y p l u s o r m in u s f e e s a n d c h a r g e s . M a y b e a d e b i t t.

the car d have


b o t h d e s i g n a t e d th e s a m e p r o c e s s in g c e n t e r .


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o p t io n a l is s u e r A n o p t io o f t h e b i l in g a m o u n t . It

fee n a l a d d it io n a l c u r r e n c y fe e t h a t is r e q u e s t e d b y t h e is s u e r a n d c o lle c t e d a s p a r t a m o u n t , if d e s i r e d b y t h e is s u e r . T h i s f e e is n o t in c l u d e d in t h e s e t t le m e n t m a y b e a d e b it o r a c r e d i t .

o r ig in a l t r a n s a c t i o n I n t h e B A S E I S y s t e m , t h e f ir s t p r e s e n t a t io n o f a p u r c h a s e , s u b m it t e d in t o in t e r c h a n g e .

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o r ig in a l/p h o t o c o p y S e e c o p y / o r ig i n a l. o u t g o in g in t e r c h a n g e A ll B A S E II t r a n s a c t io n s t r a n s m it t e d f r o m a c q u ir e r a n d is s u e r c e n t e r s s e n d o u t g o i n g in t e r c h a n g e .

a m e m b e r ’s p r o c e s s in g c e n t e r t o a V IC . B o t h

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A n a u t o m a t ic t e lle r m a c h in e ( A T M ) n e t w o r k t o w h ic h V is a m e m b e r s h a v e a c c e s s . P lu s B I N F i le A f ile c o n t a in in g P lu s B IN t a b le u p d a t e r e c o r d s t h a t is c r e a t e d t h r o u g h in c o m in g E d it P a c k a g e p r o c e s s i n g f o r a l l m e m b e r s s u b s c r ib i n g t o t h e P l u s A T M s y s t e m . T h e P l u s B I N T a b le c o n t a in s B IN n u m b e r s o f P lu s c a r d is s u e r s . P o s i t iv e C a r d h o l d e r A u t h o r iz a t io n

S e r v ic e ( P C A S )

R is k c o n t r o l s e r v ic e s a v a i l a b l e t o i s s u e r s w h o u s e t h e V i s a N e t B A S E I c o m p o n e n t f o r s w it c h i n g a n d a u t h o r iz a t io n . P C A S d e t e r m in e s h o w a u t h o r iz a t io n s a r e r o u t e d a n d h o w a u t h o r iz a t io n d e c i s i o n s a r e m a d e . po st -e di t S of tw Tra n ap pl y f o l lo w

program a r e w r it t e n a n d m s a c t io n F ile m e m b e r- u n iq u e in g t h e in c o m in g

p r e - e d it p r o g r a m S o f t w a r e w r it t e n in t e r c h a n g e it e m p r o g r a m a l s o fo r fo r p r o c e s s i n g b y ex ecut ed bef or e

a i n t a i n e d b y a p r o c e s s i n g c e n t e r t o r e s t r u c t u r e a n in c o m in g C e n t e r in t o a f o r m a t a c c e p t a b le fo r t h e lo c a l p o s t in g a n d b illin g p r o c e s s a n d t o e d it c r it e r ia a g a in s t t h e t r a n s a c t io n s . T h i s p r o g r a m is e x e c u t e d E d it P a c k a g e run.

and m ai nt ai ned by a pr ocessi ng cent er to separ s a n d t o a p p l y m e m b e r - u n iq u e e d it c r it e r ia a g a m a t s o u t g o i n g in t e r c h a n g e in t o t h e o u t g o i n g C e n the Edi t Package a c c o r d i n g t o B A S E I I s p e c i f ic a t th e o u t g o i n g E d i t P a c k a g e ru n .

a t e o n - u s it e m s f r o m in s t t h e t r a n s a c t io n s . T h i s t e r T r a n s a c t io n F i le io n s . T h i s p r o g r a m is

p r e s e n t a t io n

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tm ent P a p e r ( o r a t r a n s a c t io n ) s u b m it t e d f o r t h e f ir s t t im e b y a n a c q u i r e r t o a n is s u e r a n d pr ocessed t h r o u g h V i s a N e t in t e r c h a n g e .


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pr oce ssi ng cen ter T h e e n t it y , o p e r a t e d o f in t e r c h a n g e t r a n s a c t io n s . pr ogr am s,or bot h, and sends A s in g le p r o c e s s in g It p e r f o r m s in t e r c h a n g e transact m em ber s . M os t BA SE I pr oc pr ocessi ng cen ter s m ay be

o r d e s ig n a t e d b y a It e x e c u t e s t h e E d i t P a c k a g e a n d r e c e i v e s in t e r c h a n g e c e n t e r m a y fu n c t io io n s e r v ic e s f o r o n e m e m e s s in g c e n t e r s a r e o p e r a t e d a u t h o r iz e d t o p r o c e s s V i s a

pr oce ssi ng da te S e e c e n t r a l p r o c e s s i n g d a t e ( C P D ) o r E d it P a c k a g e pr oof

and

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r in g m e m b e r o f V is a , r e s p o n s ib le f o r p r o c e s s in g the pr e- or post -edi t io n s t o a n d f r o m a V I C . a n a c q u ir e r c e n t e r, a n is s u e r c e n t e r, o r b o t h . a m u l t ip l e n u m b e r o f m em ber s ; nonm em ber io n s .

pr ocessi ng dat e.

ur e c e s s o f d e t e r m in in g t h a t e a c h d e p o s it o r g r o u p o f d e p o s it s b a la n c e s , a n d t h e r e c o r d i n g s t a n d a r d in f o r m a t io n f r o m e a c h d r a f t , v o u c h e r, a n d t r a n s a c t io n in a t a b le f o r e d it in g a n d p r o c e s s i n g .

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( P S IR F ) .

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S e e R e g i o n a l C a r d R e c o v e r y F i le ( R C R F ) . r e - p r e s e n t a t io n S ee repr esent m ent . R egi onal C ar A f ile that cont s p e c i f ie d as pa rt G lo s s a ry

d R ecover o f c a rd ains allB “R egi on o f t h e in c o

y F i le ( R C R F ) h o ld e r a c c o u n t r e c A S E I E x c e p t io n F i le p i c k u p 0 ” a c c o u n t s lis t e d b y is s u e r m in g B A S E I in t e r c h a n g e

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e a t e d b y V is a e v e r y w e e k fo r in t e r n a t io n a l u s e r s , c o d e d fo r a g i v e n C R B re g i o n , p l u s R B regi on. U ser s recei v e an R C R F f ile .

r e i m b u r s e m e n t a t t r ib u t e A o n e - d ig it a lp h a n u m e r ic c o d e d e s ig n a t in g r e im b u r s e m e n t fe e s a p p lic a b le t o a s p e c if ic tra n sa cti o n . rei m bur sem ent fee A m o u n t p a id b y o n e m e m b e r t o a n o t h e r ( u s u a lly b y t h e a c q u ir e r t o t h e is s u e r ) , a n d c a n v a r y a c c o r d in g t o m a r k e t r e q u ir e m e n t s . rej ected ba tch A n in t e r c h a n g e b a t c h t h a t is n o t a c c e p t e d b y t h e V IC of that bat ch.

d u e t o a n e r r o r in t h e a u d it in t e g r it y

r e je c t e d t r a n s a c t i o n A n o u t g o in g B A S E II t r a n s a c t io n r e c o r d in w h ic h t h e E d it P a c k a g e d e t e c t e d a n e r r o r t h a t

a f fe c t s fro m o u In t e r c h a tran sact the tran

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t h e f in a n c i a l in t e g r it y o f t h e b a t c h . T h e E d it P a t g o i n g in t e r c h a n g e , t h a t is , t h e t r a n s a c t io n is n o n g e T r a n s a c t io n F i le f o r w a r d e d t o a V I C . ( T h e io n s in t h e b a t c h a r e in c l u d e d in t h e o u t g o in g s a c t io n is a b a t c h o r f ile t r a i le r r e c o r d , t h e r u n



c k a g e e x c l u d e s s u c h t r a n s a c t io n s t in c l u d e d in t h e o u t g o i n g b a t c h is n o t r e j e c t e d ; a l l v a l id I n t e r c h a n g e T r a n s a c t io n F i le . ) U n l e s s ab or ts.

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rep rese nt m en t P a p e r ( o r a t r a n s a c t io n ) s u b m recei pt of a char geback. R equ est for C opy A tra n s a c f o l lo w e d b y a d o c u m e n t a t io n re turne A doe tran but tran in c o app

transa t io n c o n f ir m or m

it t e d b y a n a c q u i r e r t o a n is s u e r a s e c o n d

t im e , f o l lo w in g

c t io n g e n e r a t e d w h e n a n is s u e r r e q u e s t s f o r a c o p y o f t h e o r ig in a l t r a n s a c t io n , a t io n t h a t r e c o r d s t h e s e n d i n g o f t h e c o p y . A l s o k n o w n a s a edi a request .

d t r a n s a c t io n c a r d h o ld e r t r a n s a c t io n r e c o r d in w h s n o t v io l a t e t h e f in a n c i a l i n t e g r it y o f t h e b a t c h . W s a c t io n is in c l u d e d in t h e o u t g o in g b a t c h in t e r c h a it is n o t f o r w a r d e d t o t h e is s u e r c e n t e r . T h e t r a n s a c t s a c t io n , w it h a n e w t r a n s a c t io n c o d e , a n d r e t u r n e m in g in t e r c h a n g e . ( O n t h e in c o m in g r e p o r t s f o r e a r in b o t h o u t g o i n g a n d in c o m in g t o t a l s . )

ic h t h e V IC e d it fu n c t io n d e t e c t e d a n e r r o r t h a t h e n s u c h a n e r r o r is d e t e c t e d , t h e n g e t o t a l s ( in a s e p a r a t e c a t e g o r y ) , io n i s p l a c e d in a n e w B A S E I d t o t h e o r ig i n a t in g c e n t e r w it h a n o r ig i n a t in g c e n t e r , t h e t r a n s a c t io n s

re ve rsa l A B A S E II t r a n s a c t io n u s e d t o n e g a t e o r c a n c e l a t r a n s a c t io n t h a t h a s b e e n s e n t t h r o u g h in t e r c h a n g e in e r r o r . s e t t le m T h tra n s anot

en t e a c tu a l tra n s fe r o f fu n d s fro m f e r t o a s e t t le m e n t a c c o u n t , a n d t h e t o t a l a m h e r . S e e a l s o n e t s e t t le m e n t a m o u n t .

t h e is s u in g b a n k t o t h e a c q u ir in g b a n k t h r o u g h a w ir e o u n t o w e d b y o n e V i s a m e m b e r to

s e t t le m e n t c u r r e n c y T h e c u r r e n c y u s e d b y t h e B A S E II S y s t e m s e t t le m e n t p o s i t io n . S i n g le M e s s a g e S y s t e m S e e V . I. P . S y s t e m . s o u r c e B IN T h e B IN

fro m

t o c a lc u la t e a s e t t le m e n t e n t it y ’s d a ily n e t yr a s s lo G

(S M S )

w h ic h a B A S E II t r a n s a c t io n m e s s a g e is s e n t .

sou rce cur ren cy T h e c u r r e n c y t y p e a s s o c ia t e d w it h t h e a m o u n t o f a t r a n s a c t io n e n t e r e d in t o in t e r c h a n g e . s p e c i a l a ir lin e A fe e c t r a n s a c t io n is p a id t o

14

Ap r 20 07

fe e h a r g e d o n t r a n s a c t io n s f r o m In t e r n a t io n a l A ir lin e s w h e n e v e r t h e is s u e r, a c q u ir e r, a n d c o u n t r ie s a r e n o t a l l t h e s a m e . T h i s f e e is c o l le c t e d in s t e a d o f t h e I A F f e e , a n d t h e t r a n s a c t io n r e g i o n .


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io n o p It a c t la b le , S TIP

e r a t in g a t a l l V I C s t h a t p r o v i d e s a u t h o r iz a t io n s f o r t r a n s a c t io n s in a m o u n t s b e l o w t h e w h e n a r e q u e s t s e n t t o t h e is s u e r c e n t e r p r o c e s s in g .

T h e f u n c t io n t h a t m a k e s a u t h o r iz a t io n d e c i s i o n s f o r a u t h o r iz a t io n a n d f in a n c i a l r e q u e s t s o n b e h a l f o f is s u e r c e n t e r s . I t a c t s o n l y w h e n t h e is s u e r c e n t e r is u n a v a i la b l e o r w h e n a r e q u e s t h a s t im e d o u t . F o r S M S p r o c e s s in g .

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s u b s t it u t e r- g e n e r a e a n d lo c a t the good s

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suspense

A s e r ie s o f g e n e r a l le d g e r a c c o u n t s c o n t a in in g d r a ft s a n d v o u c h e r s a n d o t h e r it e m s t h a t h a v e b e e n r e j e c t e d b y e i t h e r t h e p r o c e s s i n g c e n t e r ’ s e d i t in g p r o g r a m s o r t h e E d it P a c k a g e . sy st em

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e s r e c o r d in g s ig n if ic d a l l o p e r a t o r a c t io n s a n d d respo nses an d the er ror W h e n B A S E I t r a n s m is s io n

fc r e o n m t e r t - h d e e s i V Ig n C e d c o m r e p op l e t r t e s s , m t h a e y lbo eg cg ae nn e b r e a t e d a . r c h i v e d t o t h e c e n t e r ’ s h o s t c o m

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cti o n A S E II t r a n s a c t io n .

T h e r e c o r d o r r e c o r d s t h a t m a k e u p a s i n g l e f in a n c i a l , a d m in i s t r a t iv e , t e x t m e s s a g e , a s r e q u i r e d f o r t r a n s m is s io n b e t w e e n a p r o c e s s i n g c e n t e r a n d a V I C . A S E I I t r a n s a c t io n s a r e id e n t if ie d b y t r a n s a c t io n c o d e s .

C a r d h o ld e r t r a n s a c t io n .

c a r d h o l d e r ) to p u r c h a s e g o o d s f in a n c ia l in s t i t u t io n .

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c a r d b y a c u s t o m e r ( n o r m a l ly a s s u m e d t o b e t h e a m er chantor

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t r a n s a c t io n c h a r g e s C h a r g e s p a i d b y m e m b e r s t o V i s a f o r p r o c e s s in g s e r v ic e s . T r a n s a c t io n c h a r g e s d e p e n d in g o n t r a n s a c t i o n t y p e a n d v o l u m e .

var y

t r a n s a c t io n c o d e ( T C ) A t w o - d ig it c o d e t h a t id e n t if ie s a s p e c if ic t y p e o f B A S E II t r a n s a c t io n . T r a n s a c t io n C o m p o n e n t R e c o r d ( T C R ) A fi x e d - le n g t h r e c o r d u s e d t o c o n t a in a c o m p o n e n t p o r t io n o f a B A S E II t r a n s a c t io n . A

transac

singl e t io n A s in B A S E

B A S E I t r a n s a c t io n m a y c o n s i s t o f m u l t ip l e T C R s . com ponent sequence num ber g le d ig it p la c e d in e a c h T C R s o m u lt ip le r e c o r d s ( T C R s ) c a n b e c o m b in e d in t o a s in g le I I t r a n s a c t io n .

t r a n s a c t io n c u r r e n c y T h e c u r r e n c y o f t h e p u r c h a s e , a s a g r e e d t o b y t h e c a r d h o ld e r a n d t h e m e r c h a n t . V is a E x t e n d e T h e V is a E s e r v i c e s , r e p la c i a n d a f le x i b l e

d A c c e s s S e r v e r x t e n d e d A c c e s s S e r v e r is t h e n e x t - g e n e r a t io n g a t e w a y t o V is a p r o d u c t s a n d n g le g a c y V is a N e t A c c e s s P o in t s . T h e E A S e r v e r o f f e r s im p r o v e d s e c u r it y p l a t fo r m fo r fu t u r e u p d a te s .

V A P

S ee Vi saN et Access

Poi nt (VAP ).

V IC

S e e V i s a N e t In t e r c h a n g e V IC

C ent er (VI C ).

p r o c e s s in g d a t e S ee cent ral pr ocessi ng dat e (C PD ).

V .I.P . S y s te m A n e le c t r o n ic d a t a m essages rel at ed to au tho che ck accep tan ce tran sact m e r c h a n t a u t h o r iz a t io n c e n a u t h o r iz a t io n d e c i s i o n s f r o m o f t h e S i n g le M e s s a g e S y s t e m V is a N A n elect da ta

e t A c c e IB M p e r o n i c a l ly b y ar e gen er

s s P o rs o n a l a pr ocessi a l ly t r a n s m

tra n r iz a t io n io n s . ter s the (S M

in t c o m ng it t e d

s m is s io n s y s t e m o f b a n k , T & E , p r iv a t e I t a c c e p t s a u t h o r iz a t io n an d ei the r pr ovi de s au is s u e r a u t h o r iz a t io n c e n S ) a n d B A S E I S y s te m .

f o r t h e r e a l- t im e la b e l , a n d p r o p r ie t a r y c a r r e q u e s t s f r o m a c q u ir e r t h o r iz a t io n d e c i s i o n s o r t e r s . T h e V . I. P . S y s t e m

d e d an an d secu is m

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liv e r y a n d p r o c e s s in g o f d res ad e up

(V A P ) p u t e r s u p p lie d b y V is a , a t w h ic h t h e V is a N e t n e t w o r k is a c c e s s e d c e n t e r . A V A P is in d i r e c t c o m m u n ic a t io n w it h a V I C . B A S E I or recei ved thr ou gh a VA P.

V is a N e t C o p y R e q u e s t a n d F u lf il lm e n t S e r v ic e ( V C R F S )

A n a u t o m a t e d s e r v ic e w h e r e c o p y r e q u e s t s a n d fu lf illm e n t s a r e s e n t a n d r e c e iv e d o n a C R M w o r k s t a t io n o r a f a x m a c h in e w h i le f u l f il m e n t s a r e e l e c t r o n ic a l ly d e liv e r e d t o m e m b e r s t h r o u g h V i s a N e t u s i n g B A S E II.

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V is a S m a r t D A p a y m e n t de vice s p rovi di n en ha nce car dh

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C e n te r a ll a s s o S y st em , the h e s e s y s te m

it /V is a S m r v ic e in v o lv v a r ie t y o f f e a t u r v e r if ic a t io n , a n

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(V IC ) c ia t e d p e r ip h e r a l d e v ic e s a n d t e le c o m m u n ic a t io n s s u p p o r t B AS E I S y st em , rel at ed sy st em s (such as C R B s.

rt C re g th e to sup pr ovi de

d it ( V S D C ) u s e o f c h ip c a r d s a n d c h ip c a p a b le c a r d a c c e p t a n c e p o r t o f f lin e a u t h o r iz a t io n , p r o t e c t a g a i n s t f r a u d , a p l a t f o r m f o r m u l t if u n c t io n p r o g r a m s .

w a r e h o u s e d t r a n s a c t io n s T r a n s a c t io n s r e c e iv e d a t t h e V IC a f t e r t h e s e t t le m e n t w in d o w a r e h e l d o v e r f o r n e x t - d a y s e t t le m e n t a t t h e n e w r a t e s .

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