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ICVERIFY: Software Developer`s Kit

1. Software Developers Kit Version 2 5 CYBERCASH E 2001 CyberCash Inc rights reserved CyberCash the CyberCash logo and ICVERIFY are trademarks or registered trademarks of CyberCash Inc or its subsidiaries in the United States and other countries other product names are trademarks or registered trademarks of their respective manufacturers This version of this document supersedes any and all previous versions of the ICVERIFY Software Developer s Kit information presented in this document was correct as of publication however CyberCash reserves the right to add or delete functionality as necessary and without prior notification The latest documentation can be found at the following URL http www cybercash com icverify support January 26 2001 Introduction About ICVERIFY The Bank Card Industry Table of Contents Style Conventions System About System Windows Minimum Requirements UNIX Minimum DOS Minimum Requirements Getting CHAPTER 1 About IGVERIEY 2 d exea New Features ic Do CHAPTER 2 Overview of Processing Wh
2. 55 Credit Card 57 CHAPTER 7 WiIDdOWS 61 Visual Basic Integration 61 Using the Request Answer 62 Sample Code Program 62 Steps to FolloW sz err It elon Gaede 63 WIN 5 i cen geal Inc va wee ia 65 Using the Request Answer 65 Sample Code Program 66 Steps to Follow 67 DOS ee 69 Using the Request Answer 69 Sample Code Program 70 Steps to Follow 71 Table of Contents Advanced Setup Address Verification Result Codes Field Definitions Standard Transaction Record Formats Report Transaction Types Detailed Report Sample Glossary Appendixes APPENDIX A Accessing Advanced 77 Merchant Information 77 Options Tab ii eie eia 82 Hardware 86 APPENDIX B M 91 APPENDIX 93 APPENDIX D Retail Charge Card 97 Mail Order Charge Card
3. About Industry Transactions CHAPTER 3 Extend Stay This transaction type extends the customer s checkout date CMc n j n CMI j EXP Amt CmR n cmR j n CMN 5 i cMa n Cmr n CmP Check Out This transaction is used when the customer is checking out of a hotel Charges to a customer s card are not settled until a checkout is performed co i CMe CMI i ACT n AMT CmR 2 CMN 3 CMA CMD Cmr gt n CmP No Show This transaction is used when a customer doesn t show up CN 7 CMe CMI 1 EXP AMT 4 cmR i CMN i CMD Cmr 7 n CmP 5 n About Level Ill Purchasing Cards Level III purchasing cards are business to business B2B credit cards They require much more detail than regular credit cards This section explains what is required An example of the transaction record format for a Level III purchasing transaction is shown below The first three lines are actually one line containing the transaction record for the actual transaction The following lines are records for line item details for the transaction the line item details in the example are shown in bold to make them more visible 27 1 1 12433254365436 4275330000005810 9909 40 00
4. 98 Food Charge Card Formats 99 Hotel Lodging Charge Card Formats 99 Purchase Card Level 1 Formats 100 Standard Debit 101 Standard Check Guarantee Formats 101 APPENDIX E 103 APPENDIX F iic whee ES LIBER SER 105 APPENDIX G has 111 Introduction This guide describes how to use the ICVERIFY Software Development Kit SDK to set up and configure ICVERIFY and is intended for developers using ICVERIFY on Windows UNIX or DOS platforms Style Conventions This section describes the styles that are used in this document Bold type indicates items such as file names window names and buttons Black italics type indicates a reference to another document or terms that are defined within the text Information that you will see as output on a screen information that you must input and system prompts are indented and in a smaller typeface than the document s body text cp autoexec bat autoexec bak B Indicates suggestions or additional detailed information Indicates actions you must take or avoid for the system to operate properly uononponuj Introduction System Requirements This section lists the system requirements hardware software and so on for ICVERIFY for Windows UNIX and DOS About System Requirements Before beg
5. Usually a transaction record consists of a single line that is terminated by a carriage return but Level III purchasing transactions occupy more than one line because of associated line items The Level III purchasing transaction records described in this document are unique by processing network the transaction records used for FDMS are different than those used for GPS 1ejdeu About Industry Transactions CHAPTER 3 There are many records ending with a CMz field This field is mandatory contains two numeric characters and is right justified It is used to indicate the number of line items that are associated with the transaction For example if the CMz field is populated as follows 1 it means that one line item is associated with the transaction The value of 0 indicates that no line items are associated with the transaction A value of 99 would indicate that 99 line items are associated with the transaction this is the maximum possible value If this field is populated with a single digit the position to the left of the field should be null For example 1 and 01 are both correct If the transaction record does not provide a CMz field no line items may be associated with the record For example line items are not allowed required for a void transaction because the transaction record for this transaction type does not include a CMz field When including line items be aware that each the line item detail formats for
6. AMP DSC FBC 1ejdeu About Industry Transactions CHAPTER 3 Level Transaction Records for GPS MDI Modular Data Book C4 CMc CMt ACT EXP AMT ZIP ADD CMO E20 cMX CMs CmM cMO CMP cMp cMu CMz Ship CO CMc CMt ACT EXP AMT ZIP ADD CMO E20 cMX CMs CmM cMO CMP cMp cMu CMz Sale C1 CMc CMt ACT EXP AMT ZIP ADD CMO E20 CMs CmM cMO cMP cMp cMu CMz Void C2 CMc CMt ACT EXP AMT Refund C3 CMc CMt ACT EXP AMT ZIP ADD CMO E20 cMX CMs CmM cMO CMP cMp cMu CMz Cancel Refund CR CMc CMt ACT EXP AMT AuthOnly C6 CMc CMt ACT EXP AMT ZIP ADD Force C5 CMc CMt ACT EXP AMT ZIP ADD CMO E20 cMX CMs CmM cMO cMP cMp cMu CMz Visa Purchasing Card Line Item PO PRd CT1 DEM E17 E19 E09 E16 Vtt VT3 Dsc FBC MasterCard Purchasing Card Line Item P1 PRd CT1 DEM E17 E25 E09 E16 Vtt VT3 Dsc FBC American Express Purchasing Card Line Item P3 cm1 cm2 cm3 cm4 31 Only one American Express PO record may be associated with a transaction This record is used to include the description fields that can be included with American Express transactions Processing Offline Group Input or Request Files Interpreting Results ICVERIFY writes the results of the offline group or request session to the offline group output or ans file ICVERIFY can return the results from the transmitted offl
7. TYPE COUNT TOTAL AVG BOOK 2 145 70 72 TOTAL 2 145 70 72 FIGURE 13 DETAIL REPORT NOT CAPTURED OR AUTHONLY TRANSACTIONS Authorized Transaction Section The next section of the report shows authorized transactions This section of the report also includes transactions that were authorized but not captured For example a Sale transaction is authorized and captured but Book transaction is authorized but not captured Both transaction types are shown in this section This section of the report does not include transactions that were declined CARD COMMENT NUMBER VISA 4715123456789013 9909 CLERK ZIP CODE BILLING ADDRESS B MAST 5405010100000016 9912 PETE P MASTERCARD CLERK CUSTOMER ORDER Customer name Clerk and Comment AUTHORIZED TRANSACTIONS AMOUNT DATE TIME SEQ RESPONSE 50 50 04 01 11 01 000000 911015 ADD zZIP VISA PURCHASE VISA Me 55555 123 This St 95 20 04 01 11 14 000000 OK 911144 Clerk Field Comment Order Num Clerk and comment fields CARD COMMENT T TYPE NUMBER EXP B VISA 4715123456789013 9909 CLERK ZIP CODE BILLING ADDRESS B MAST 5405010100000016 9912 PETE P MASTERCARD CLERK CUSTOMER ORDER AUTHORIZED TRANSACTIONS AMOUNT DATE TIME SEQ RESPONSE 50 50 04 01 11 01 000000 911015 ADD zIP VISA PURCHASE 1 Me 55555 123 This St 95 20 04 01 11 14 000000 911144 Clerk Fi
8. The default starting and ending times are 0000 and 2359 which means that any daily report will start at 12 00 and end at 11 59 PM Changing the starting time to 0200 and the ending time to 0159 would set the default starting time to 2 00 and the ending time to 1 59 When using these fields be sure that a 24 hour time interval is specified BIN Table Not Used 85 y xipueddy Advanced Setup APPENDIX A TABLE 12 OPTIONS TAB OPTIONS CONT OPTION DESCRIPTION Days to Keep Approved book transactions that have not been converted to Books Tips Ships remain in the open batch after Settlement However the customer s reserved funds will expire after the number of days set by your bank or processor This field can be used to delete approved books after the number of days specified by you after they have been authorized The default setting is 00 which means books are never removed from the open batch eCommerce Flag If you charge transactions over the Internet you must also send a special flag indicating that these are e commerce transactions Setting this option is all that is necessary to send the special flags ICVERIFY support settings are as follows 07 Channel encrypted for e commerce 08 Non secure e commerce transaction blank Not set up for e commerce transactions default Please consult with your financial institution to see whether you will be required to send e commerce tran
9. a Ship is performed 25 For ICVERIFY to send a transaction to the processing network you must include at least a credit card number expiration date and the amount This information in a quote comma delimited format that looks like this BOOK C4 Clerk Comment Card ExpDate Amount ZIP Address CVv2 SHIP 4111111111111111 0202 1 00 ZIP Address Handling Hotel Transactions The Hotel format contains all of the basic retail transaction types discussed in Handling Retail Transactions page 17 and the Hotel specific transactions discussed below ICVERIFY is certified with many processors for the Hotel vertical market format Fora list of field descriptions see Standard Transaction Record Formats page 97 Check in This is the initial step in a Hotel billing procedure This transaction confirms the validity of a customer s credit card and pre authorizes the amount to be billed CA n 7 CMe j CMI j ACT EXP AMT CmR A cmR 5 CMN 2 CMA CMD i Cmr n CmP n n CME Add Charges This is an incremental transaction type that allows a merchant to decrease a customer s open to buy for services such as meals telephone calls or gift shop purchases before checkout j CMe P ACT EXP A AMT CmR 2 2 CMN CMA 5 CMD Cmr 1 n CmP n r n CME
10. get a validation code for each merchant s setup information then run the setup program to create a setup file for each merchant ICVERIFY switches between these setup files when processing transactions for different merchant accounts Configuring ICVERIFY for multiple merchants is primarily a matter of creating a setup file for each merchant naming it correctly and making sure that each merchant s transaction data is stored in a separate directory Naming Conventions for Setup Files Each merchant s setup information is stored in a file that ends with a SET extension The default setup file in a normal single merchant configuration is called ICVERIFY SET In a multi merchant setup the standard naming convention for ICVERIFY setup files is ICVExxxx SET where xxxx is a unique merchant identifier that ICVERIFY uses to locate the correct setup file when processing a transaction for a merchant Each merchant setup file created after setting up the first merchant should have a four digit merchant identifier as shown below ICVERIFY SET DATADIR RIFY 0001 5 0001 0001 0002 5 DATA0002 0002 0003 5 DATA0003 0003 y 191deu2 Setting Up ICVERIFY for Multiple Merchants CHAPTER 4 A different data directory must be specified for each merchant during the setup process Each merchant must have a separate data directory to store transaction data Otherwise transaction data from different
11. szTrans strlen szTrans The sample above builds a temporary file name with path and stores it into szfilename The file is opened with appropriate permissions and a transaction record is written to it Use the Transaction Builder tool to look up transaction record formats The sample code also performs some error checking not shown here after the open and write instructions 2 19e1deu2 Tutorials CHAPTER 7 Step 3 Rename request file void RenameRequestFile void int nCheck Return value to check for error condition char buff 1024 Build to file name for rename operation szNewName 0 0 make sure string is empty strcpy szNewName szFileName szNewName strlen szNewName 3 0 trim off old extension strcat szNewName REQ add new extension printf Renaming s to s n szFileName szNewName strcpy buff mv strcat buff szFileName streat buff strcat buff szNewName nCheck system buff rename the file name The code above renames the temporary request file name ICVER001 TMP to a valid request file name ICVER001 REQ Step 4 Wait for answer file The request file is picked up by ICVERIFY and processed into an answer file Depending on the transaction ICVERIFY may dial the processor e g credit card request a PIN from the PINpad debit card return inquiry information such as merchant name and so on void WaitForAnswer
12. 12345 LIIIWithLID 2354325 0 00 0 00 0 00 0 00 07 30 1998 31432 4254325 45435 3 0004 Green 555 0 1 0000 35 9900 00 00 0 00 0 00 0003 444 1 0000 39 9500 00 00 0007 0 00 p0 0003 Pens Red 444DDDO00 1 0000 Gross 39 9500 00 00 0 00 0 00 Each of the line items for this transaction begins with a PO field This indicates a Visa purchasing card line item This transaction is in the format that is required for the FDMS North Platform Processing Network Cardnet The formats for line items vary by the type of card and are described later Currently only a limited number of processing networks support Level III purchasing which allows the inclusion of line item details for purchase card transactions line items are descriptions of each item that constitute a purchase The following sections describe how to create transaction records for FDMS and GPS MDI also known as Modular Data These processing networks use different formats and have different data requirements so transaction record formats required for each network are outlined in separate sections Level Ill Record Formats Commas separate the records listed in this document These should be converted to quote comma delimited fields and populated with data as indicated by the field definition
13. 800 811 1371 Email support Q icverify com 1 About ICVERIFY The ICVERIFY Software Developer s Kit SDK assumes that you are familiar with the programming language that you intend to use There are however tutorials included in the SDK that explain how to use the available sample code You will also find sample transactions that you can copy and paste right from this kit Because of the complicated nature of the Bank Card Industry it is highly recommended that you read the chapter titled The Bank Card Industry page 7 Each section of the SDK gives you a detailed look at what it is that you need for the industry that you are integrating Whether it be retail or food you will have all the knowledge to integrate the industries of your choice ICVERIFY uses the request and response integration method This is a simple process of placing a flat ASCII text file in a specific directory This file is referred to as a request file ICVERIFY takes this request and sends it to the processing network When the transaction has been processed ICVERIFY returns a different file called the response or answer For more information regarding request and answer files see Life Span of a Request file page 39 About ICVERIFY ICVERIFY is the leading electronic transaction processing software package on the market providing credit card authorization draft capture check and debit ATM card authorization functions ICVERIFY operate
14. ASCII text file that ICVERIFY picks up and processes Once the transaction has been processed ICVERIFY returns a flat ASCII text file that contains the response This integration method is referred to as request req and response answer ans of the transactions from the retail industry fall into the other industries as well so if you learn them well there will be a lot less that you will have to learn later Sale A sale is the most commonly used transaction in a retail format It is used to charge a purchase to a customer s credit account It places a hold on the customer s open to buy or available credit by the amount of the sale Once a sale has been approved the hold on the customer s credit is valid for a limited time three to thirty days depending on the cardholder s bank before expiring and releasing the hold on the funds in the customer s credit account Funds from an approved sale transaction are not deposited into your account until they have been settled This occurs automatically if you are using a host based processor that auto settles transactions If you are using a terminal based processor or a host based processor that does not auto settle you must perform a settlement end day procedure in order for the funds from sales to be transferred 15 1ejdeu About Industry Transactions CHAPTER 3 Void This transaction is used to remove a sale from the open batch before it has been settled It does no
15. CVC number printed in the signature block on the back of Visa and MasterCard credit cards B This field can be used for Sale AuthOnly Pre Authorization and Force Post Authorization transactions Not all processing networks support CVV2 or CVS If your processing network does not support this feature leave this field blank If you are not sure if your processing network supports this feature you can send the information icverify sends it to the processing network if it is required For more information about CVV2 CVC see Card Verification Value 2 Verification Code CVV2 CVC page 13 For testing purposes you can copy and paste any of the following transaction samples into a request file Be sure to remove any line breaks from these samples in your request file Sale Cl Clerk Comment 4111111111111111 0202 1 00 ZIP Address 19 Void C2 Clerk Comment 4111111111111111 0202 1 00 The example above is the Void transaction Notice that the format is very similar to the sale transaction with the only difference being the transaction identifier The sale and void transaction examples do not identify this field as the first field because the next field the clerk field is considered the first field and the comment field is considered the second field Certain transactions use these fields when searching for an original transaction For more information about matching
16. MAPP implementation does not support this 56 Used when split dialing to a host based processor and a terminal based processor clears the host based processor s transactions to history then dials the terminal based processor for settlement debit transactions settle at normal time 99 keeps batch open not clearing to history automatically Do not use this value unless instructed to by a technician or a representative of the financial institution where your account has been established If you are using a host based processor a batch closing or settlement may not be required because the processor does it for you automatically In that case the Auto Settle field should be left at its default value of 00 TABLE 11 MERCHANT INFORMATION TAB OPTIONS CONT OPTION DESCRIPTION Type of Business The business profile that has been established with your processing network The following are valid values R Retail default M Mail Order Telephone Order D Purchase Card Level 2 Mail Order E Purchase Card Level 2 Retail P Purchase Card Level 2 and 3 Mail Order Q Purchase Card Level 2 and 3 Retail The following additional types of business will run only in an integrated setting F Food or restaurant H Hotel A Auto Rental L Airline C Communications T Travel B Bar S Sundries G Gas Station The default is R retail please contact your processor if you ar
17. REVIEW TRANSAC 2 825 25 412 TOTAL 8 970 95 242 AUTHORIZED TRANSACTIONS CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE B VISA 4715123456789013 9909 50 50 04 01 11 01 000000 OK 911015 ADD ZIP VISA PURCHASE VISA CLERK Me ZIP CODE 55555 BILLING ADDRESS 123 This St B MAST 5405010100000016 9912 95 20 04 01 11 14 000000 OK 911144 PETE P MASTERCARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num AUTHORIZED TRANSACTIONS TRANSACTION TODAY TYPE COUNT TOTAL AVG BOOK 2 145 70 72 AS OF 04 01 1999 DATE 04 01 1999 TIME 11 30 01 PAGE 5 FDR7 test CURRENT AUTHORIZED TRANSACTIONS TRANSACTION TODAY TYPE COUNT TOTAL AVG TOTAL 2 145 70 72 xipueddy 110 Detailed Report Sample APPENDIX F APPENDIX G Glossary A ABA American Bankers Association Routing Number Unique bank identifying number that directs electronic ACH deposits to the proper bank this number precedes the account number printed at the bottom of a check This number is usually printed with magnetic ink account number A unique sequence of numbers assigned to a cardholder account which identifies the issuer and type of financial transaction card ACH A method of transferring funds between banks via the Federal Reserve System ACH is used by most but not all financial institutions acquirer See acquiring financial institution acquiring financial institution A financial ins
18. TYPE COUNT TOTAL AVG SHIP 2 825 25 412 TOTAL 2 825 25 412 FIGURE 20 CREDIT CARD REPORT 61 7 Tutorials This chapter discusses the tutorials and how to use them Windows Visual Basic Integration Tutorial This Visual Basic Integration Tutorial guides you through all the steps necessary to integrate your Visual Basic application with the ICVERIFY interface This is a typical Multiple User Request and Answer File integration solution This tutorial uses the sample code supplied with the SDK as an example The sample application builds a request file and waits until it has been processed by the ICVERIFY application to produce an answer file The sample project is named vb32raf vbp VB Version 4 0 The application reads data from a text file demo dat and allows you to process either a single or all transactions Answers from the processor are displayed in appropriate controls Note that the application is run under demo mode You can use an actual SET file to do live testing The online documentation describes steps necessary to build a live SET file using the Setup program 2 19e1deu2 Tutorials CHAPTER 7 Using the Request Answer Interface To use the Request Answer file interface ICVERIFY must be set up with a request directory that is used to process transactions ICVERIFY polls this directory for request files REQ and processes them into answer files ANS Table 8
19. a computer to dial a local number and communicate with another computer also on the network for example Compuserve or TCI PC POS application A computer program that integrates two or more of the following functions cash register inventory accounting and credit card authorization and settlement Personal Identification Number PIN See PIN PIN A personal identification number typically a short alphanumeric character string used as a password to gain access to bank or credit accounts A PIN is usually required when performing financial transactions using a debit or credit card PIP See Plural Interface Processing Plural Interface Processing PIP Split dial capability that allows ICVERIFY to process American Express directly through the AMEX network thereby eliminating AMEX authorization fees Point of Sale POS The place and time at which a transaction occurs This term also refers to the devices or software used to capture transactions POS See Point of Sale PostAuth A transaction that has been submitted for completion and has completed a payment posting The process of recording debits and credits to individual cardholder account balances Pre Auth See Authonly prestigious properties A 500 1000 or 1500 floor limit at designated hotels resorts Floor limit is returned as part of authorization response prior See Prior Authorized sale Prior Auth See prior authorized sale prior authorized sal
20. alphanumeric characters B This field is optional Comment Contains comment information about the transaction and can contain up to 32 alphanumeric characters This field is often used for order numbers a unique number or alphanumeric sequence that identifies the transaction Credit Card Number Contains the credit card number used in the transaction and cannot contain spaces or dashes Expiration Date Contains the expiration date on the credit card used in the transaction The date format is YYMM year year month month Amount Contains the amount of the sale Decimal points are not required but recommended 17 1ejdeu About Industry Transactions CHAPTER 3 TABLE 2 RETAIL TRANSACTION FIELDS CONT FIELD DESCRIPTION Approval Code Contains the six digit approval code that the processing network gives you to verify that this transaction was authorized B This field is used for Force Post Authorization transaction types only ZIP Contains the ZIP code of the customer s billing address This field can contain the five or nine digit ZIP code without spaces or dashes B This field is optional but required in cases where card swipes do not work Address Contains the customer s billing street address This field can contain up to 32 alphanumeric characters and allows for spaces and dashes CVV2 CVC Contains the three digit CVV2 or
21. each general type of purchase card Visa MasterCard and American Express are different The application writing the transaction must use the correct record type when appending line items to the transaction record when creating the file Some records contain a cMo field type The way this field is formatted depends on the type of purchasing card the transaction record represents If the transaction record is for a Visa purchasing card the field is populated with the order date in the following format 07 22 2001 If the transaction record is for a MasterCard purchasing card this field should be left blank 29 Level Transaction Records for FDMS Cardnet Book c4 CMc CMt ACT EXP AMT ZIP ADD CMW CMZ CMY cmm cMo Cmo CMz Ship CO CMt ACT EXP AMT ZIP ADD CMW CMZ CMY cmm cMo Cmo cmp CMz Sale C1 CMc CMt ACT EXP AMT ZIP ADD CMW CMZ CMY cmm cMo Cmo CMz Void C2 CMc CMt ACT EXP AMT Refund C3 CMc CMt ACT EXP AMT ZIP ADD CMW CMX CMZ CMY emm cMo Cmo emp CMz Cancel Refund CR CMc CMt ACT EXP AMT AuthOnly C CMc CMt ACT EXP AMT ZIP ADD Force C5 CMc CMt ACT EXP AMT APV ZIP ADD CMW CMX CMZ CMY emm cMo Cmo cmp CMz Visa Purchasing Card Line Item PO CT3 DEV PRD E19 E09 E16 E18 VT2 DSC MasterCard Purchasing Card Line Item P1 PRD DEM QUa UOM
22. fields see Options Tab page 82 Credit Refund Return C3 Clerk Comment 4111111111111111 0202 1 00 The example above depicts a Credit transaction Remember that if you have a Terminal Capture processing network ICVERIFY will not dial out for an approval code for credit transactions This transaction is sent out during settlement Credit Void Cancel Return Refund Void CR Clerk Comment 4111111111111111 0202 1 00 0 The example above is a Credit Void Cancel Return Refund Void transaction This transaction is used to void Credit transactions Auth Only Pre Authorization ce Clerk Comment 4111111111111111 0202 1 00 ZIP Address The example above is an AuthOnly Pre Authorization transaction This transaction is used when you want to verify funds Force Post Authorization C5 CLK CMM 4111111111111111 0202 1 00 APV ZIP Address The example above is the Force Post Authorization transaction Notice there is an extra field between the amount and ZIP fields This field is for the approval code and is required for this transaction type Force Post Authorization transactions are used when you get a voice approval or in conjunction with AuthOnly Pre Authorization transactions 1ejdeu About Industry Transactions CHAPTER 3 Card Swipe Formatted Transactions Card information can be entered manually or can be entered into a card reader Transactions ba
23. might not see it occur 001 is the file that the client application will read It contains the response or responses from the processing network This file will remain until the next icver001 REQ file is found by the Multi User Request file Processor or until it is deleted from an outside source It is highly recommended that the file be read and removed by the client application The name for the request file is unique for each register or user If you have two cash registers register one will use 001 and register two will use ICVER002 REQ The number after the ICVER represents the register number You can use up to the number you are licensed for You may not use the same request file name for multiple registers 41 Transaction Responses The information that you receive back from ICVERIFY is very important so make sure you read this section carefully You can set up the type of response that you want from ICVERIFY For more information see Options Tab page 82 This section assumes that ICVERIFY is set up for the evaluated response It is recommend that you use the evaluated response because it is easy to understand and you do not have to write extra code to parse more information The evaluated response gives back a letter code followed by a six digit approval code Depending on the processing network there may be an eight digit reference number following the approval code If address informatio
24. performed Force Post Authorization A force transaction is primarily used to enter a voice approval into the open batch For example you submit a card for approval get a voice authorization message and call your merchant help desk for a voice authorization Your merchant help desk gives you an approval code for the transaction over the phone You can then enter the transaction into the open batch using a force transaction and the approval code provided by your help desk force can also be used to complete an AuthOnly transaction see AuthOnly Pre Authorization Handling Retail Transactions For ICVERIFY to send a transaction to the processing network you will need at least a credit card number expiration date and amount This information is placed in a quote comma delimited format that looks like this Cl Clerk Comment Charge Card Exp Date Amnt Zip Address The example above is a Sale transaction Table 2 describes the fields used in retail transactions TABLE 2 RETAIL TRANSACTION FIELDS FIELD DESCRIPTION Leading Field Contains the transaction identifier and is case sensitive Valid values include the following e C1 Sale C2 Void C3 Credit Refund Return CR Credit Void Cancel Return Refund Void C6 AuthOnly Pre Authorization C5 Force Post Authorization B This field is required Clerk Contains the clerk information and can contain up to 32
25. response B Returns the text of the request as well as the simple response L Includes the request date and time with the simple response D Not Supported S Outputs as database format B This is used for integration with a POS program Unless instructed by the POS manufacturer leave this at the default Y Business Description The description of the your business This field is required if American Express is your processor and optional if you use any other processor Options Tab The Options tab Figure 22 page 83 allows you add or modify transaction and settlement options in ICVERIFY Icverify set ICVERIFY Setup J J a g g FIGURE 22 THE OPTIONS TAB Table 12 page 84 describes the options in the Options tab y xipueddy 84 Advanced Setup APPENDIX A TABLE 12 OPTIONS TAB OPTIONS OPTION DESCRIPTION Match 1st 2nd Flds Y N S Used for matching transactions The following are valid values Y ICVERIFY matches the first and second fields when matching transactions always clerk and comments fields N Neither field is matched when searching S Only the second field is matched when searching Settle All Merchants Y N Used for multi merchant setups This determines whether ICVERIFY should attempt to perform a settle close batch for all merchants whenever a settle close
26. see Address Verification Result Codes page 91 If an additional number follows the AVS response it is a reference number for the transaction provided by the processing network 1ejdeu About Industry Transactions CHAPTER 3 Method 2 It is possible to use the Export Transactions feature to export the results of the offline group transmission but line item details will not be included The export feature exports the header record for purchasing transactions but not the line item details For example an input file including a single Visa purchasing card transaction would look like this C1 clerk 12433254365436 4275330000005810 9909 40 00 12345 LIIIWithLID 2354325 0 00 0 00 0 00 0 00 07 30 1998 31432 4254325 45435 3 0004 Green 555EEE000 1 0000 Gross 35 9900 00 00 0 00 0 00 p0 0003 Pens Red 444DDD000 1 0000 Gross 39 9500 00 00 0 00 0 00 p0 0003 Pens Red 444DDD000 1 0000 Gross 39 9500 00 00 5020001 0 00 If the export feature is used only the information that is bold is available for export along with the response from the processing network The line items for the transaction the remaining three lines are ignored by the export feature as transactions are exported Debit Card Transactions Hardware issues must be considered when adding debit card processing to an application In order for a proc
27. transaction that is settled ISO A Visa term for a company that is sponsored by an acquiring bank to solicit and sometimes support merchants issuing Providing a bank card to a card holder and authorizing that person to use it to complete financial transactions issuing financial institution The financial institution that extends credit to a consumer through credit card accounts The financial institution issues a credit card and bills the consumer for purchases against the credit card account Also referred to as the cardholder s financial institution or issuer 117 xipueddy 118 Glossary APPENDIX G K keyed entry See manual entry L local review The ability for a merchant to review from his or her terminal the contents of a batch before or after settlement Magnetic Ink Check Reader MICR A device which reads characters i e account information printed on a check with ink containing particles of a magnetic material MAG stripe See magnetic stripe magnetic stripe A stripe on the back of a bankcard that contains magnetically encoded cardholder account information The name of the cardholder is stored on Track the account number and expiration date are stored on Track Il Also referred to as MAG stripe manual entry Credit card information that is entered via terminal keypad or keyboard instead of swiping the card through a card reader MasterCard An association of banks that governs the issui
28. 000000 911044 TEST CARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num FIGURE 11 DETAIL REPORT DEFINING AMERICAN EXPRESS TRANSACTIONS Below the information shown in Figure 11 the report indicates the number and total dollar amount of American Express transactions Figure 12 page 51 51 Number of items Total dollar amount shipped of items shipped AMERICAN EXPRESS v TRANSACTION TODAY TYPE COUNT TOTAL ANG SHIP 1 75 00 75 TOTAL 1 75 00 75 FIGURE 12 DETAIL REPORT AMERICAN EXPRESS TRANSACTION TOTALS Not Captured or AuthOnly Section Below the information shown in Figure 12 the report shows those transactions that were not captured or authorized only and did not settle 9 Reports 52 CHAPTER 6 NOT CAPTURED OR AUTH ONLY CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE B VISA 4715123456789013 9909 50 50 04 01 11 01 000000 OK 911015 ADD ZIP VISA PURCHASE CLERK Me ZIP CODE 55555 BILLING ADDRESS 123 This St O45 OF 04 01 1999 DATE 04 01 1999 TIME 11 30 00 test CURRENT NOT CAPTURED OR AUTH ONLY CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE MAST 5405010100000016 9912 95 20 04 01 11 14 000000 OK 911144 PETE P MASTERCARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num NOT CAPTURED OR AUTH ONLY TRANS ACTION TODAY
29. 1 page 79 describes the options available in the Merchant Information tab TABLE 11 MERCHANT INFORMATION TAB OPTIONS OPTION DESCRIPTION Merchant Name Your company name This name is reported to the card processor and prints on charge slips receipts and reports Merchant Address Your street address This address is reported to the processor and prints on charge slips receipts Merchant City State Zip Your city state and five digit ZIP code These are reported to the processor and print on charge slips receipts Merchant Phone Your voice phone number The number is reported to the processor and prints on charge slips receipts Offline Group Input File The name of the input file for offline group processing ICVERIFY stores all transactions done in offline group mode in this file for processing The default name for this file is BATCHIN DAT Offline Group Output file The name of the output file for offline group processing Once the offline group input file has been transmitted ICVERIFY writes the results to this file The default name for this file is BATCHOUT DAT Years of History The number of years of historical transaction data that will be stored by ICVERIFY The default value for this field is 9 which means that ICVERIFY will store up to nine years of transaction data Data Disk Directory The directory where ICVERIFY data will be stored The data director
30. 1 19 000000 OK 911190 VISA PURCHASE CLERK Clerk Field CUSTOMER ORDER Comment Order Num Customer name Clerk and comment Clerk and Comment fields FIGURE 8 DETAIL REPORT VISA amp MASTERCARD SECTION Below the information shown in Figure 8 the report identifies the total of Visa and MasterCard transactions Number of items Total dollar amount shipped of items shipped VISA amp MASTERCARD TRANSACTION i TODAY 4 TYPE COUNT TOTAL AVG SHIP 1 750 45 2750 TOTAL i 750 25 750 OF 04 01 1999 DATE 04 01 1999 TIME 11 30 00 FDR test CURRENT FIGURE 9 DETAIL REPORT VISA AND MASTERCARD TOTALS Below the information shown in Figure 9 the report breaks down the total dollar amount and defines whether they are Visa or MasterCard transactions 9 50 Reports CHAPTER 6 VISA CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHASE VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num 750 25 750 750 25 750 FIGURE 10 DETAIL REPORT DEFINING VISA OR MASTERCARD TRANSACTIONS American Express Section Below the information shown in Figure 10 the report identifies the American Express transactions AMERICAN EXPRESS CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S AMER 373730000000001 9906 75 00 04 01 11 19
31. E VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num VISA amp MASTERCARD TRANSACTION TODAY TYPE COUNT TOTAL AVG SHIP 1 750 25 9750 TOTAL 1 750 25 750 AS OF 04 01 1999 DATE 04 01 1999 TIME 11 30 00 PAGE 2 FDR7 test CURRENT VISA CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHASE VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num VISA TRANSACTION TODAY TYPE COUNT TOTAL AVG SHIP 1 750 25 750 TOTAL 1 750 25 750 AMERICAN EXPRESS CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S AMER 373730000000001 29906 75 00 04 01 11 19 000000 OK 911044 AMEX TEST CARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num AMERICAN EXPRESS TRANSACTION TODAY TYPE COUNT TOTAL AVG SHIP 1 75 00 75 TOTAL 1 75 00 75 NOT CAPTURED OR AUTH ONLY CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE B VISA 4715123456789013 9909 50 50 04 01 11 01 000000 OK 911015 ADD ZIP VISA PURCHASE VISA CLERK Me ZIP CODE 7 59555 BILLING ADDRESS 123 This St AS OF 04 01 1999 DATE 04 01 1999 TIME 11 30 00 PAGE 3 FDR7 test CURRENT NOT CAPTURED OR AUTH ONLY CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE B MAST 5405010100000016 9912 95 20 04 01 11 14 000000 OK 911144 PETE P MASTERCARD CLERK Cl
32. EXP AMT Void Sale C2 CMS CMT EXP AMT APV TIP Credit Return C3 CMS CMT ACT EXP AMT TIP Credit Void CR CMS CMT ACT EXP AMT APV TIP Force Sale C5 CMS CMT ACT EXP AMT APV TIP Pre Auth C6 CMS CMT ACT EXP AMT Hotel Lodging Charge Card Formats Table 19 defines the formats used for hotel lodging charge card transactions TABLE 19 HOTEL LODGING CHARGE CARD FORMATS Check in C4 CMc ACT EXP AMT CMN CMA CMD Cmr CmP Extended Stay C1 CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP Check out CO CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP CME Cme No show CN CMc ACT EXP AMT CMN CMA CMD Cmr CmP 99 a xipueddy Standard Transaction Record Formats APPENDIX D TABLE 19 HOTEL LODGING CHARGE CARD FORMATS CONT Sale C1 CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP CME Cme Void Sale C2 CMc OMI ACT EXP AMT APV CMN CMA CMD Cmr CmP Credit Return C3 CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP Credit Void CR CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP Force Sale C5 CMc OMI ACT EXP AMT APV CMN CMA CMD Cmr CmP CME Cme Pre Auth C6 CMc OMI ACT EXP AMT CMN CMA CMD Cmr CmP CME Cme Purchase Card Level Ill Formats Table 20 defines the formats used fo
33. File void Build answer file name szNewName 0 0 make sure string is empty strcpy szNewName szFileName szNewName strlen szNewName 3 0 trim off old extension strcat szNewName ANS add new extension while access szNewName 0 File not there so count briefly and display the next spin char Then check again 69 The code sample above waits in a while loop for the answer file Step 5 Process answer file Once the transaction is processed by ICVERIFY the answer file can be examined for the response and processed as necessary The sample application calls the ShowAnswerFile function and simply displays the contents of the answer file Repeat Steps 2 5 to process transactions Perform necessary approval decline processing for the answer file DOS The DOS Integration Tutorial guides you through all the steps necessary to integrate your DOS application with the ICVERIFY interface This is a typical Multiple User Request and Answer File integration solution This tutorial uses the sample code supplied with the SDK as an example The sample application builds a request file and waits until it has been processed by ICVERIFY to produce an answer file The sample code file is named dosdrop cpp It contains a hard coded transaction that is processed for an answer Using the Request Answer Interface To use the Request Answer file interface ICVERIF
34. IFY To see a sample report in its entirety see Detailed Report Sample page 105 Detail Reports The Detail Report is used to view transactions before they are settled This report is also known as the Pre Settlement Report A merchant views the Detail Report to verify that the correct transactions are going to be settled At the head of the Detail Report is a common introduction to a report The rest of the report is broken into the following sections Credit Card Visa amp MasterCard Visa MasterCard America Express Discover Diners Club Other Captured Not Captured or Auth Only Sequence Number Authorized Transactions 9 Reports CHAPTER 6 44 This report can be generated from a request file Use the following format RC i HRD i SDT EDT i RPS i SUM i TAG CMe n i CMM i ACT i EXP j AMT j CMN Table 4 describes the fields used to generate a Detail report TABLE 4 DETAIL REPORT FIELD FORMATS FIELD DESCRIPTION RC Describes the type of transaction to report HRD Specifies the printer you want to use to print the report mg For Windows this is the URL or path to the printer B If raw data is required make sure to enter the path and filename to where ICVERIFY should store the data in the HRD field SDT Use the current date to produce a Settlement Preview report this is the processed date range of the transactio
35. IFY and these transactions remain in the file until settlement is performed The next step is the settlement or close batch procedure You must settle before the funds from approved transactions are deposited in your bank account During settlement ICVERIFY must send transactions to the processor so funds can be transferred to your account The authorization process is uniform but the settlement procedure is not For settlement processors can be divided into two categories Terminal and Host Figure 2 Host Vs Terminal Settlement Processor ICVERIFY FIGURE 2 HOST VS TERMINAL SETTLEMENT Terminal based processors require that the merchant connect to the network and submit the open batch which contains all of the transactions that were previously approved for settlement before the funds from the approved transactions are deposited into your account This is done with one phone call ICVERIFY submits the open batch for settlement gets an approval for the batch logs off and transfers the settled transactions from the open batch to history files The money minus any interchange fees is then transferred to your account Settlement can be done at any time with terminal based processors A host based processor maintains the open batch As ICVERIFY is authorizing transactions the host based processor keeps track of unsettled transactions for which you have received approval Some host based processors will auto set
36. NIX Minimum Requirements ICVERIFY supports AIX Solaris and SCO UNIX platforms Each platform has specific hardware and operating system requirements B The required free hard disk space 20 MB is for stand alone configurations Multi user and multi merchant configurations can require additional free hard disk space AIX The minimum system requirements for the AIX platform are 56000 32 MB of memory 20 MB free hard disk space AIX Version 4 2 SCO The minimum system requirements for the SCO platform are 486 Intel 32 MB memory 20 MB free hard disk space SCO Open Server Version 5 x 1386 Solaris The minimum system requirements for the Solaris platform are e Sparc Station 32 MB memory 20 MB free hard disk space SUN OS Version 5 6 Solaris 2 6 DOS Minimum Requirements If you are running ICVERIFY on the DOS platform the minimum requirements are as follows 386 computer with a hard disk drive and at least 2MB of memory and 20 MB free hard disk space DOS version 3 x or later version 5 0 or later recommended More memory may be required if the computer is running on a network or is also running order entry point of sale POS software Introduction Getting Help Choose one of these options to get help with ICVERIFY TABLE 1 CYBERCASH SUPPORT OPTIONS METHOD CONTACT INFORMATION Web site http www cybercash com icverify support Phone 1
37. T SETTLEMENT REPORT AUTHORIZED ONLY TRANSACTIONS Below the information shown in Figure 17 the report displays a summary of those transactions that did not settle Total number of transactions that did not settle CAPTURED OR AUTH ONLY BATCH 1 TRANS ACTION TODAY TYPE COUNT TOTAL AVG BOOK 2 5145 70 72 Total dollar amount 8 OF 04 01 1999 DATE 04 01 1999 TIME 12 31 02 RES FDR test SETTLEMENT icansaetionstthat NOT CAPTURED OR AUTH ONLY BATCH 1 did not settle TRANSACTION TODAY TYPE COUNT TOTAL TOTAL 2 145 70 72 o FIGURE 18 POST SETTLEMENT REPORT UNSETTLED TRANSACTIONS Credit Card Reports The Credit Card report details where to get information from your history of transaction processing For example to print out transactions from one day last week or the whole week use this report to do so This report can be generated from a request file Use the following format RC 7 HRD SDT A EDT RPS SUM TAG 7 CMe CMM j EXP AMT CMN Table 7 page 58 describes the fields used to generate a Credit Card report 57 9 58 Reports CHAPTER 6 TABLE 7 CREDIT CARD REPORT FIELD FORMATS FIELD DESCRIPTION RC Describes the type of transaction to report HRD Specifies the printer you want to use to print the report B For Windows this i
38. TATION NUM 001 prefix used to name request fil Public Const REQ FILE PREFIX ICVER Refer to vb32raf frm for the remaining steps Step 2 Prepare temporary request file Public Sub Prepare File bSingleTran As Boolean Dim sTempFile As String Dim iIndex As Integer build temporary file name sTempFile App Path REQ FILE PREFIX STATION NUM TMP set up error handler On Error GoTo ErrFile write transaction record s into temporary file Open sTempFile For Output As 1 The sample above builds a temporary file name ICVER001 TMP with path The file is opened and transaction record s is written to it Use the Transaction Builder tool to look up transaction record formats The sample code also performs some error checking not shown here using the ErrFile handler 2 Tutorials CHAPTER 7 Step 3 Rename request file Function Rename File As Boolean Dim sTempFile As String Dim sRequestFile As String puild temporary and request file names sTempFile App Path REQ FILE PREFIX STATION NUM TMP sRequestFile REQUEST DIR REQ FILE PREFIX STATION NUM REQ On Error GoTo ErrFileRename rename temporary file into REQ file Name sTempFile As sRequestFile The code above renames the temporary request file name ICVER001 TMP to a valid request file name ICVER001 REQ Step 4 Wait for answer file The request file is picked up by ICVERIFY and processe
39. Y must be set up with a request directory that is used to process transactions ICVERIFY polls this directory for request files REQ and processes them into answer files ANS 2 19e1deu2 Tutorials CHAPTER 7 Table 10 illustrates the file naming conventions used when processing transactions using this interface TABLE 10 FILE NAMING CONVENTIONS FILENAME DESCRIPTION ICVEROO1 TMP A temporary file used to store transactions that need to be processed one transaction per line The extension of this file is arbitrary so long as the file extension is NOT REQ HLD ZZZ or ANS ICVEROO1 REQ Rename the temporary file to ICVERxxx REQ where xxx is the station number In a single user environment this is always 001 ICVEROO1 HLD Created by ICVERIFY for processing ICVEROO1 2ZZ Created by ICVERIFY for processing 001 5 The answer for the transaction s processed Sample Code Program Flow To integrate successfully the client application must follow some basic guidelines 1 Initialize 2 Prepare temporary request file 3 Rename request file 4 Wait for answer file 5 Process answer file Repeat Steps 2 5 to process subsequent transactions Perform approval decline processing you require for each transaction 71 Steps to Follow Step 1 Initialize The program module dosdrop cpp defines globally the constants and variables used by the sample application
40. a directory for each merchant in your multi merchant setup 37 The name of the data directory is usually tied into the merchant identifier as discussed earlier For the merchant using ICVERIFY SET this field can be left at its default value of DATADIR which indicates a DATADIR sub directory of the main ICVERIFY program directory Use the numbering convention outlined earlier to set up the rest of your merchants Here s an example of how a setup for four merchants should be configured Merchant 1 DATADIR ICVERIFY SET Merchant 2 DATA0001 0001 5 Merchant 3 DATA0002 0002 5 Merchant 4 DATA0003 0003 5 This makes maintenance and troubleshooting much easier especially in large multi merchant setups To set up another merchant 1 Run the setup program again ICVERIFY SET is loaded again Do not make any changes to this file 2 From the File menu in Advanced Setup choose New The Setup Wizard begins and allows you to enter the setup information for the new merchant 3 Complete the Setup Wizard using the setup information for the new merchant then load Advanced Setup after the validation code has been entered 4 Click the Merchant Information tab find the Data Disk WDirectory field and change the data directory name from DATADIR to DATAOO01 5 Change the Settle Merchants Y N field as described above if you want the software to attempt to settle all merchants each time that a se
41. allows the holder to withdraw funds or use funds for payment upon demand debit card An ATM bankcard used to purchase goods and services and to obtain cash which debits the cardholder s personal deposit account Requires a Personal Identification Number PIN for use decline A response to a transaction request meaning that the issuing bank will not authorize the transaction A decline message is accompanied by the error code from the processing network Each processing network has its own set of error codes so the format of the error response will vary according to the processing network that the merchant has been configured to use If transactions are declined with a Call Center or Voice Auth message this usually indicates that the merchant needs to call the processing network to obtain an approval code for the transaction This approval code can then be used by the merchant to complete the transaction using a Force Ticket Only Post Authorization transaction deposit The aggregate of sales records and refunds submitted to a bank processor for processing deposit bank The bank into which merchant deposits funds from credit card transactions Demand Deposit Account DDA See DDA discount rate The percentage of credit card sales amounts the acquiring financial institution charges the merchant for the settlement of the transaction draft capture Refers to settlement xipueddy 116 Glossary APPENDIX G E ECI Electr
42. an open batch For example a merchant submits a card for approval gets a voice authorization message and calls the merchant help desk for a voice authorization The merchant help desk gives the merchant an approval code for the transaction over the phone The merchant can then enter the transaction into the open batch using a force transaction and the approval code provided by the merchant help desk A force can also be used to complete a Terminal Capture transaction Host Capture A CyberCash CashRegister supported processing model by which payment information is stored at the processor rather than at the CashRegister This processing model consists of two methods for authorizing and capturing transactions AuthCapture and Auth PostAuth See also AuthCapture and Auth PostAuth host computer Refers to the computer at the processor that is dialed for authorization and settlement imprint A form of proof that the credit card was present for the transaction It can be electronic by swiping a card through a card reader or manual by obtaining a physical imprint using an imprinter but one of the two ways is always required for card present transactions Independent Sales Organization ISO See ISO interchange The flow of information between issuers and acquirers for example transactions retrieval requests and chargebacks interchange fee The fee that the merchant s bank pays the bank for each credit card
43. an those that incur greater overhead For example for point of sale POS debit card transactions offline interchange fees set by the card associations are much higher than online debit interchange fees which are set by the regional and national ATM The differences in fees are to offset the higher fraud and credit risks of offline However these differences are diminishing rapidly due to enhancements in the offline networks and may not justify the current fee gap Interchange Discount Rates are used as incentives for merchants to use and processors to market ICVERIFY What ICVERIFY provides is POS or Internet e commerce processing capabilities that enable merchants through their processor s to exploit interfaces to the system issuer resulting in lower interchange rates on transactions For example because ICVERIFY runs directly on the POS system PC based cash register or computer the POS system s keyboard provides the full alphanumeric capability required for address verification on transactions which is not true with a bank terminal Address verification allows you to include the street number street name and ZIP code with the credit card authorization When ICVERIFY returns the authorization it includes a code which tells whether the information matched on 1 2 or 3 of the address fields This feature can dramatically reduce the incidence of fraud and chargebacks since it is easy to get a card number but much more difficult to ge
44. at are Interchange Discount Rates Understanding Interchange Fees and Interchange Discount Rates Card Verification Value 2 Card Verification Code 11 E E Table of Contents About Industry Transactions CHAPTER 3 Retail LA xen ete ie UR er uai aN estu AuthOnly Pre Authorization Force Post Authorization Handling Retail Transactions Sale asd etu aves ute prec sr LL Auth Force Post Authorization Card Swipe Formatted Formatting a Request File to Contain Track 1 and Track 2 Data gan Formatting a Request File to Contain Only Track 1 Data Formatting a Request File to Contain Only Track 2 Data MOTO Mail Order Telephone Order Transactions Ship eue py ER bed eles ad a ESL PES Handling Hotel lt 5 Gheclcibic iana Nus Add Ch rges x dope Extend Stay cou oe oe RUP e a se About Level Ill Pu
45. ation in the clerk and comment fields but you must include the empty fields if you decide not to fill them in Some merchants use the clerk and comment fields for order numbers or customer names 19 deu 40 Requests and Responses CHAPTER 5 The fourth field is for the credit card number This field cannot contain any dashes or spaces The fifth field is for the expiration date The expiration date must be in the year year month month format 0111 would be November of the year 2001 The sixth field 15 for the amount A decimal is not needed in this field but it is recommended that it be entered This transaction contains everything you need to get an authorization from your processing network 6 Save the text file to your desktop as icver001 REQ 7 Open the request directory and copy the icver001 REQ file to your request directory If the file icver001 ans exists it will be deleted Almost immediately ICVERIFY automatically renames icver001 REQ to icver001 HLD ICVERIFY reads the transaction information from the HLD file and sends it to the processing network for approval Next ICVERIFY creates the file icver001 ZZZ ICVERIFY writes the response from the processing network to the icver001 ZZZ file When all transactions are sent to the processor ICVERIFY deletes the icver001 HLD file and renames the icver001 ZZZ file to icver001 ANS The process of creating and deleting the HLD and ZZZ files happens so quickly that you
46. ature Capture Type The type of signature capture device that is being used This field is not used by most users TABLE 13 HARDWARE TAB OPTIONS CONT OPTION DESCRIPTION Wait Hold The information related to multi user operation Two values are entered into this field separated by a space The first value determines the amount of time ICVERIFY is to wait before checking for transaction requests submitted by other stations on the network The second value determines how long ICVERIFY will hold the line open once a connection is established with the processing network Note that the hold value has no effect on how the processor handles communications and that the processing network may drop the connection well before the time specified by the hold value has been reached Do not set this value to 0 zero as it will lock up your machine 89 y xipueddy Advanced Setup APPENDIX A APPENDIX Address Verification Result Codes The result codes listed in Table 14 are provided for use when exporting transaction data to a database or spreadsheet and also can be used in reading ans files TABLE 14 AVS RESULT CODES LETTER CODE DEFINITION DESCRIPTION A Address matches The first five numerical characters contained in ZIP does not the address match with those stored at the issuer s center However the ZIP code does not match E Ineligible transacti
47. bank and continuing until the end of the day on which it is dispatched as a chargeback item chargeback reason code A two digit code identifying the specific reason for the chargeback check guarantee A service which guarantees check payment up to the limit defined for the account provided that the merchant follows correct procedures in accepting the check The service determines whether the check writer has previously written delinquent checks clearing The process of exchanging financial details between an acquirer and an issuer to facilitate posting of a cardholder s account and reconciliation of a customer s settlement position close batch The process by which transactions with authorization codes are sent to the processor for payment to the merchant confirmation letter A letter sent by a processor to a merchant at a specified interval to verify batch deposits copy request See retrieval request credit A return of funds to a cardholder s account crediting entry for a sale that has already been authorized and settled Custom Payment Services CPS CPS regulations require additional customer information to be sent from the merchant to the credit card processor increasing security of the transaction CPS compliant transactions receive the best possible transaction rates CVC Card Verification Code 115 CVV2 Credit Card Verification Value Version 2 D DDA A bank account such as a checking account that
48. batch is attempted for any one merchant This option must be set to Y for each merchant s setup file for this function to work correctly If set to N you will be required to settle each merchant individually MultiTrans Y N Do not change this field unless instructed to do so by a client services representative or your merchant help desk Date Format The following are valid format values 0 MM DD YY 1 DD MM YYYY 2 YYYY MM DD Donot change this value after using the software or your generated reports will not be accurate If you must change this value you must also change the merchant s data directory Monetary Format The following are valid format values 0 NNN NN default 1 NNN NN E Do change this value after using the software or your generated reports will not be accurate If you must change this value you must also change the merchant s data directory Log Communications Y N If this field is set to Y ICVERIFY will create log files of communications with the processing network These files will be written to the ICVERIFY data directory see the Data Disk Directory field located under the Merchant Info tab If this field is set to N which is the default Logging communications provides additional troubleshooting resources for Technical Support It is not the same as being in Debug Mode and you do not need to be in Debug Mode to log communications howeve
49. char szTrans m rcr1 Bill 4005550000000019 9909840055500 00000019 VISA TV EST CARD VISA 990910154321000000000000000 150 A 40055500000000192990N 91011000012345678 2 00 0 00 n r E char szRequestDirectory C REQUEST char szFileName 80 buffer to hold temporary request file name char szNewName 80 buffer for new file name The definitions above identify a transaction string szTrans this is hard coded for the purpose of this sample a request directory szRequestDirectory and two buffers to hold names of the temporary and answer files respectively Step 2 Prepare temporary request file void PrepareRequestFil void int file handle returned from call int nCheck return value to check for error conditions szFileName 0 0 make sure it s empty strcpy szFileName szRequestDirectory copy path into buffer strcat szFileName ICVEROO1 TMP add file name fp _open szFileName CREAT TRUNC RDWR S IREAD S IWRITE nCheck write fp szTrans strlen szTrans The sample above builds a temporary file name with path and stores it into szfilename The file is opened with appropriate permissions and a transaction record is written to it Use the Transaction Builder tool to look up transaction record formats The sample code also performs some error checking not shown here after the open and write instructions 2 19
50. d into an answer file Depending on the transaction ICVERIFY may dial the processor e g credit card request a PIN from the PINpad debit card return inquiry information such as merchant name and so on Public Function WaitFor AnswerFile As Boolean Dim sAnswerFile As String bCancelWait False sAnswerFile REQUEST DIR FILE PREFIX STATION NUM ANS loop until an answer file is available in the request directory or the user clicks the Cancel Wait button Do While Dir sAnswerFile And Not bCancelWait DoEvents Sleep WAIT SECONDS Loop The code sample above waits in a while loop for the answer file 65 Step 5 Process answer file Once the transaction is processed by ICVERIFY the answer file can be examined for the response and processed as necessary The sample application calls the Show AnswerFile function and simply displays the contents of the answer file in an edit box Repeat Steps 2 5 to process transactions Perform necessary approval decline processing for the answer file UNIX The UNIX Integration Tutorial guides you through all the steps necessary to integrate your UNIX application with the ICVERIFY interface This is a typical Multiple User Request and Answer File integration solution This tutorial uses the sample code supplied with the SDK as an example The sample application builds a request file and waits until it has been processed by ICVERIFY to produce a
51. d is optional Comment Contains comment information about the transaction and can contain up to 32 alphanumeric characters This field is often used for order numbers a unique number or alphanumeric sequence that identifies the transaction Credit Card Number Contains the credit card number used in the transaction and cannot contain spaces or dashes Expiration Date Contains the expiration date on the credit card used in the transaction The date format is YYMM year year month month Amount Contains the amount of the sale Decimal points are not required but recommended ZIP Contains the ZIP code of the customer s billing address This field contains the five or nine digit ZIP code without spaces or dashes E This field is required for MOTO transactions and help prove that the owner of the card is the person placing the order Since the card is not present this information helps prevent fraud loss 23 1ejdeu About Industry Transactions CHAPTER 3 TABLE 3 MOTO TRANSACTION FIELDS CONT FIELD DESCRIPTION Address Contains the customer s billing street address This field can contain up to 32 alphanumeric characters and allows for spaces and dashes CVV2 CVC Contains the three digit CVV2 or CVC number printed in the signature block on the back of Visa and MasterCard credit cards B This field can be used with Book transactions Not all processing networks s
52. dem cannot communicate with a synchronous modem Contrast synchronous auth file See transaction file Authonly See Terminal Capture Automated Clearing House See ACH authorization A process by which a financial institution approves a cardholder transaction and provides an authorization code to the CyberCash CashRegister The code is used as proof of authorization See also authorization code authorization code An alphanumeric value returned from the processor for successful transactions If a transaction fails authorization an authorization code is not returned from the processor average ticket The average dollar amount of merchant credit transactions AVS Address Verification Service AVS matches the first five digits of the street address and the ZIP code information from the cardholder s collected billing address to the corresponding bill information on record with the card issuers A code representing the level of match is returned AVS codes cannot be obtained independent of an authorization and it is up to the merchant to decide whether the fulfill an order If the AVS code fails the authorization will not fail For Terminal Capture merchants the authorization will be returned successfully For Host Capture AuthCapture and Auth PostAuth merchants the authorization will be downgraded to an auth The downgraded authorization must then be manually settled Bank Identification Number The digits of a credit card tha
53. e A transaction for which authorization was obtained at an earlier time for example a merchant had to call for authorization or a merchant authorized the card before services were rendered See also Terminal Capture private label card A bank card that can be used only in a specific merchant s store Typically not a bankcard processor A transaction processor a large computer center that processes data from credit card transactions and settles funds to merchants PSIRF The highest qualification which a Visa transaction can obtain Card must be swiped and transaction deposited within 24 hours 121 xipueddy 122 Glossary APPENDIX G Q qualification A level at which a transaction interchanges The level of qualification is dependent on how credit card number is entered how quickly a transaction is settled the type of industry specific information and so on R receipt A hard copy description of the transaction that occurred at the point of sale Minimum information contained on a receipt is date merchant name and location account number type of account used for example Visa MasterCard American Express and 50 on amount reference number and or authorization number and action code recurring transaction A transaction for which permission has been granted by a cardholder to a merchant that is periodically charged to the cardholder s account reference number A code given to a transaction by Host Cap
54. e uncertain which industry your merchant account is set to Not all business types listed above are available for all processing networks If an invalid code is entered ICVERIFY will fail to load displaying an Invalid Processor Type of Business message Business Factor Applies to the restaurant and hotel types of business If the restaurant format is used this field is used to enter a percentage amount that will be added to the sale amount during authorization to allow for a tip For example if this is set to 15 a 100 authorization will call for 115 100 15 If the hotel format is being used this field can be used to set the floor limit for Prestigious Properties The following are valid values 05 500 limit 10 1 000 floor limit 15 1 500 limit 00 not a Prestigious Property 81 y xipueddy Advanced Setup APPENDIX A TABLE 11 MERCHANT INFORMATION TAB OPTIONS CONT OPTION DESCRIPTION Address VERIFY Y N The status enabled Y or disabled N of address verification The ZIP code and address entry will be added to the transaction Not all card processing networks support address verification Maximum Transaction The largest transaction amount allowed by ICVERIFY The default is 20 000 Evaluate Rsp Y N B L D S This applies to integrated systems using request and answer files only Y Produces a simple response default N Produces the full
55. e1deu2 Tutorials CHAPTER 7 Step 3 Rename request file void RenameRequestFile void int nCheck Return value to check for error condition Build to file name for rename operation szNewName 0 0 make sure string is empty strcpy szNewName szFileName szNewName strlen szNewName 3 0 trim off old extension strcat szNewName REQ add new extension printf Renaming s to s n szFileName szNewName nCheck rename szFileName szNewName The code above renames the temporary request file name ICVER001 TMP to a valid request file name ICVER001 REQ Step 4 Wait for answer file The request file is picked up by ICVERIFY and processed into an answer file Depending on the transaction ICVERIFY may dial the processor e g credit card request a PIN from the PINpad debit card return inquiry information such as merchant name and so on void WaitForAnswerFile void Build answer file name szNewName 0 0 make sure string is empty strcpy szNewName szFileName szNewName strlen szNewName 3 0 trim off old extension strcat szNewName ANS add new extension while access szNewName 0 File not there so count briefly and display the next spin char Then check again The code sample above waits in a while loop for the answer file 73 Step 5 Process answer file Once the transaction
56. ed working key e Send PIN block to the controller The controlling application appends the PIN block to the debit card transaction and uses the ICVERIFY DLL to process an authorization request Should the processor require a different working key or master key it will be communicated back in a second field of the evaluated response The DLL will save this new information The developer will be responsible for selecting a new master key in the PINpad prior to requesting PINpad encrypted information Inquiry Transaction UI i 22 i This transaction is used to return the current working key and a master key selection that the PINpad requires to encrypt or encode the secret PIN number The PINpad uses these keys to create an encrypted PIN block The PIN block is returned and appended to the debit card transaction being sent to the processor for authorization This inquiry transaction to the ICVERIFY DLL always returns a response using the following format YwWwwwwwwwwwwwwwwwM Where Y success w 16 byte alphanumeric current working key M optional master key selection 0 to 9 CHAPTER 4 Setting Up ICVERIFY for Multiple Merchants ICVERIFY can be configured to process transactions for more than one business or merchant account Multi merchant processing can be used only after purchasing the appropriate licenses from CyberCash You will need to gather setup information for each merchant as described in the Setup Guide
57. eive the ICVERIFY response Generally message packets sent by the controlling application control PINpad operations For further information consult the PINpad documentation Overall the controlling application and the PINpad interact in the following manner The controlling application requests the working key from the ICVERIFY DLL using an inquiry transaction and forwards it to the PINpad If the master key returned by the inquiry transaction is different from that currently selected in the PINpad it needs to be forwarded to the PINpad prior to forwarding the working key Debit Card Requests The PIN number returned from the PINpad is 16 alphanumeric characters The format for the debit request for ICVERIFY is pi n CMc n CMM j AMN TOT 7 SWP i DIN In this case CMc is the clerk CMM is the comment AMT is the amount of purchase AMN is the additional cash back amount TOT is the total amount ACT is the account number SWP is the swipe information PIN is the 16 character alphanumeric PIN number returned by the PINpad There is a null field between the account number and swipe information 1ejdeu About Industry Transactions 34 CHAPTER 3 The PINpad performs the following in sequence Decrypt working key with the resident Master key Get the account number and secret PIN code Create PIN block Encrypt PIN block with decrypt
58. eld Comment Order Num Customer name Clerk and Comment Clerk and comment fields FIGURE 14 DETAIL REPORT AUTHORIZED TRANSACTION SECTION 53 9 Reports 54 CHAPTER 6 Post Settlement Reports The Post Setttlement report is used after settlement is complete and describes the transactions sent to the processing network for deposit to your account This report can be generated from a request file Use the following format 7 RPS HRD Table 6 describes the fields used to generate a Post Settlement report TABLE 6 POST SETTLEMENT REPORT FIELD FORMATS FIELD DESCRIPTION SP Describes the type of transaction to report Settlement report RPS Allows you to set report options you want to use for each report Valid values are the following Y Captured N Not captured V Visa M MasterCard A American Express D Discover HRD Specifies the printer you want to use to print the report B For Windows this is the URL or path to the printer Report Type Time Y Post Settlement Report OF 04 01 1999 DATE 04 01 1999 12 31 02 1 FDR test SETTLEMENT Start Date Company Name End Date FIGURE 15 POST SETTLEMENT REPORT INTRODUCTION 55 Credit Card Section The first section of the report indicates the transactions that settled and the total dollar amount of these transactions and are broken o
59. elds in this section of the report that are also found in other sections of the report The fields under CARD COMMENT are described in Table 5 TABLE 5 CARD COMMENT FIELDS IN THE DETAIL REPORT FIELD DESCRIPTION T The type of transaction B This field is industry specific For instance in the MOTO industry the most commonly used transaction types are Book B and Ship S In the food industry the most commonly used transaction are Authorization A and Add Tip T If your industry is retail then the most commonly used transaction is Sale S Type The type of credit card used for the transaction Number The credit card number used for the transaction EXP The expiration date on the credit card used for the transaction Amount The amount of the transaction Date The date the transaction was executed Time The time of day the transaction was executed SEQ A sequence number supplied by the processing network Response The approval code for the transaction B The word OK before the approval means that the card is good Customer Name The customer s name as it appears on the credit card used for the transaction This field is completed only if the credit card was swiped Clerk The name of the clerk who took the order Comment Any additional comments regarding the transaction This field is often used for order numbers a unique number or alphanumeric sequence that identifies the transacti
60. els used in the examples provided above If a swiped transaction formatted into a request file does not conform to the format used in these examples ICVERIFY will not process the transaction properly Formatting a Request File to Contain Track 1 and Track 2 Data Track 1 and 2 data is desired The entire string shown in the previous section would be used with the exception of the start sentinel for the Track 1 data the character This string would be appended to the expiration date field of the transaction request in this manner 9912B4003010123426780 JANEDOE 991201101002 4003010123426780 9912016752 21 The expiration date is shown in bold print The percent symbol which signifies the start of the Track 1 data is removed from the card swipe information and the resulting string is appended to the expiration date field of the transaction request Note that the end sentinel for the Track 1 data as well as the start and end sentinels for the Track 2 data are still present in bold print Formatting a Request File to Contain Only Track 1 Data If only Track 1 data was desired then the following information would be appended to the card expiration date in the expiration date field 9912B4003010123426780 JANE DOE 991201101002 The expiration date followed by the Track 1 data minus the start sentinel is used Formatting a Request File to Contain Only Track 2 Data If just Track 2 data were desired the expiration date field w
61. erk Field CUSTOMER ORDER Comment Order Num NOT CAPTURED OR AUTH ONLY TRANSACTION TODAY TYPE COUNT TOTAL AVG 107 xipueddy 108 Detailed Report Sample APPENDIX F TOTAL 2 145 70 CARD COMMENT T TYPE NUMBER B VISA 4715123456789013 9909 VISA PURCHASE VISA CLERK ZIP CODE BILLING ADDRESS B AMER 373730000000001 AMEX TEST CARD CLERK CUSTOMER ORDER B MAST 5405010100000016 9912 PETE P MASTERCARD CLERK CUSTOMER ORDER B VISA 4715123456789013 9909 VISA PURCHASE VISA CLERK CUSTOMER ORDER S AMER 373730000000001 AMEX TEST CARD CLERK CUSTOMER ORDER 9906 9906 AS OF 04 01 1999 DATE 04 01 1999 TIME 11 30 00 CARD COMMENT T TYPE NUMBER S VISA 4715123456789013 9909 VISA PURCHASE VISA CLERK CUSTOMER ORDER TRANSACTION TYPE 72 SEQUENCE NUMBER AMOUNT DATE TIME SEQH RESPONSE 50 50 04 01 11 01 000000 OK 911015 ADD ZIP Me 55555 123 This St 75 00 04 01 11 04 000000 DELETED ADJUSTED Clerk Field Comment Order Num 95 20 04 01 11 14 000000 OK 911144 Clerk Field Comment Order Num 750 25 04 01 11 19 000000 DELETED ADJUSTED Clerk Field Comment Order Num 75 00 04 01 11 19 000000 OK 911044 Clerk Field Comment Order Num PAGE 4 FDR7 test CURRENT SEQUENCE NUMBER AMOUNT DATE TIME SEQ RESPONSE 750 25 04 01 11 19 000000 OK 911190 Clerk Field Comment Order Num SEQUENCE NUMBER 109 4 5970 95 5242 5 2 5825 25 5412
62. essor to accept a debit transaction swiped card data is required as well as an encrypted PIN Since debit card processors do not accept manually entered cards a card reader and a PINpad are required You must provide support for these devices in your application if you are not using ICVERIFY for user input Some terminology Working key this is a 16 byte alphanumeric key that is forwarded to the PINpad used to encrypt the secret PIN code It must be forwarded for each transaction however this working key does not necessarily need to be a new one A default working key is stored during the setup process in the SET file During transaction processing ICVERIFY will update this working key whenever required by the processor e Master key These keys are stored in the PINpad memory They are used to decrypt or decode the working key sent to the PINpad The decrypted working key is used to encrypt the secret PIN code and sent to the controlling application The selected master key may change See the PINpad manual for information about changing the master key 33 When debit transaction is performed the PINpad uses master key along with working key to encrypt the PIN number that the user enters The working key can be transmitted to ICVERIFY by the processor and is sent to the PINpad when requesting a PIN To complete a debit transaction an application needs to gather information from the customer send it to ICVERIFY and rec
63. est transaction rate from the processing network for the retail industry The credit card is swiped through the card reader and includes extra information that is sent to the processing network It is recommended that you include BOTH Track 1 and Track 2 data with a transaction request If either data element is sent alone transactions may be downgraded depending on the processing network If both Track 1 and Track 2 are sent ICVERIFY sends the information necessary to get you the best rate with that processing network MOTO Mail Order Telephone Order Transactions Integrating the MOTO industry is similar to integrating the retail industry If you are not yet familiar with how to integrate for the retail industry see Handling Retail Transactions page 17 MOTO uses all the transactions that are contained in the retail industry with the addition of two others This is the card not present industry since most if not all of your business is done over the phone or through a catalog There are special rules and transaction in place for this environment Table 3 page 23 describes the fields used in a MOTO transaction TABLE 3 MOTO TRANSACTION FIELDS FIELD DESCRIPTION Leading Field Contains the transaction identifier and is case sensitive Valid values include the following C4 Book CO Ship Clerk Contains the clerk information and can contain up to 32 alphanumeric characters This fiel
64. git value is printed on the signature panel on the back of Visa and MasterCard credit cards immediately following the credit card account number 4000 0012 3456 78900123 ohn H Bennett CVV2 FIGURE 4 SAMPLE CVV2 The CVV2 CVC value helps validate that a customer has a Visa card in his her possession and that the card account is legitimate It helps minimize the risk of unknowingly accepting a counterfeit card or fraudulent transaction CVV2 is printed only on the back of Visa cards while CVC is only on MasterCard credit cards It is not contained in the magnetic stripe information and does not appear on sales receipts It must be included in the authorization request along with the following other information account number expiration date transaction dollar amount If you are participating in CVV2 CVC you can expect to receive a match or match response Y or N 13 z 191deu2 Bank Card Industry CHAPTER 2 CHAPTER 3 About Industry Transactions This chapter describes the various types of transactions you can perform using ICVERIFY and provides sample code strings to help you implement a transaction handling process that best fits your business needs B For testing purposes you can copy and paste any of the sample transactions included in this section into a request file Retail Transactions Retail is by far the easiest industry to integrate This is done by creating a flat
65. high speed communications connects to another modem it tries to match the features of that modem This involves a negotiating process that is seen as extra data To solve this disable these modem features by clicking Auto Detect in the Modem Setup screen in the Setup Wizard The Setup Wizard s auto detect feature scans COM ports for a modem and when it finds one attempts to build a dial string that disables these features If auto detect is unable to find your modem or unable to generate a working string contact the modem manufacturer s technical support and request a dial string that will disable error correction data compression and any high speed negotiation This will not effect normal modem operations in other communications programs M Ifthe dial string generated by the Auto Detect feature or by choosing your modem from the list in the Auto Detect field contains back quotes do not remove them Wait Time for CONNECT The number of seconds that the modem waits for a connection before redialing Serial Type N S L Y B D This field is used if you are using a DUKPT PlINpad If you are using DUKPT PINpad type D in this field If you are using any other type of PINpad leave this field as it s default value of N SIG CAP Port If a signature capture device is being configured this field is used to define the port that will be used when configuring ICVERIFY to utilize signature capture device Sign
66. illustrates the file naming conventions used when processing transactions using this interface TABLE 8 FILE NAMING CONVENTIONS FILENAME DESCRIPTION ICVEROO1 TMP A temporary file that stores transactions used to store transactions that need to be processed one transaction per line The extension of this file is arbitrary so long as the file extension is NOT REQ HLD ZZZ or ANS ICVERO01 REQ Rename the temporary file to ICVERxxx REQ where xxx is the station number In a single user environment this is always 001 ICVEROO1 HLD Created by ICVERIFY for processing 001 7227 Created by ICVERIFY for processing ICVEROO1 ANS The answer for the transaction s processed Sample Code Program Flow To integrate successfully the client application must follow some basic guidelines 1 Identify global constants 2 Prepare temporary request file 3 Rename request file 4 Wait for answer file 5 Process answer file Repeat Steps 2 5 to process subsequent transactions Perform any approval decline processing you require for each transaction 63 Steps to Follow Step 1 Identify Global Constants The code module vb32raf bas defines all constants and variables used by the sample application The ones of interest for integration are mentioned below request directory to drop request files Public Const REQUEST DIR C REQUEST station number for this client Public Const S
67. in 1 Ship S Void Sale V Add Tips force T Check out O Safe 5 Credit Sale S Extended Stay E Return C or R Void Sale V Credit Void V Void Sale V No show N Credit Pre Auth Credit Sale S Return C or R AuthOnly P Return C or R Credit Void V Force Sale F Credit Void V Void Sale V Pre Auth Pre Auth Credit AuthOnly P AuthOnly P Return C or R Force Sale F Force Sale F Credit Void V Pre Auth AuthOnly P Force Sale F 103 3 xipueddy Report Transaction Types 104 APPENDIX E 105 Detailed Report Sample AS OF 04 01 1999 DATE 04 01 1999 11 29 59 PAGE 1 FDR7 test CURRENT CREDIT CARD CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S AMER 373730000000001 9906 75 00 04 01 11 19 000000 OK 911044 AMEX TEST CARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num S VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHASE VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num CREDIT CARD TRANSACTION TODAY MONTH TO DATE YEAR TO DATE TYPE COUNT TOTAL AVG TOTAL AVG TOTAL AVG SHIP 2 825 25 412 825 25 412 825 25 412 TOTAL 2 825 25 412 825 25 412 825 25 412 VISA amp MASTERCARD CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE xipueddy Detailed Report Sample APPENDIX F S VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHAS
68. ination country CMs 0 8 5 freight amount CMt 0 17 1 merchandise order number purchase ID CMW 0 17 1 customer code reference ID CMX 0 18 5 tax amount cMX 0 7 5 sales tax amount CMY 0 13 5 duty amount cmy 0 8 5 duty amount CMZ 0 13 5 freight amount 2 2 2 9 00 CT1 0 4 1 commodity code CT3 0 12 1 commodity code DEM 0 35 1 description DEV 0 26 1 description DSC 0 13 5 discount amount Dsc 0 8 5 discount amount E09 3 12 1 unit of measure E16 0 13 15 unit cost E17 2 2 0 type of supply E18 0 13 5 VAT tax amount E19 0 13 15 quantity E20 0 15 1 invoice reference number EXP 3 4 0 expiration date FBC 1 1 1 debit credit TABLE 15 ICVERIFY FIELD DEFINITIONS CONT MINIMUM MAXIMUM FIELD FiELD ID LENGTH LENGTH TYPE FIELD DEFINITION PRD 0 12 1 product code PRd 0 15 1 product code QUa 1 5 0 quantity UOM 3 3 1 unit of measure VT2 0 5 5 VAT tax rate VT3 0 5 0 VAT tax rate Vit 0 7 5 VAT amount ZIP 5 9 1 ZIP code 95 2 xipueddy Field Definitions APPENDIX C APPENDIX D Standard Transaction Record Formats This appendix defines the standard transaction record formats used with ICVERIFY For more information about field definitions see Field Definitions page 93 Retail Charge Card Formats Table 16 defines the formats used for retail charge card transactions TABLE 16 RETAIL CHARGE CARD FORMATS Sa
69. ine group in two different ways The following is an example of a response from an approved MasterCard purchasing card transaction taken directly from the offline group output file The first three lines should be regarded as one continuous line The response from the processing network is repeated for each transaction or line item associated with the transaction The field containing the processing network s actual response is shown in bold print 4 22222 5405010100000016 9810 10 00 11111 5 44444 0 00 0 00 0 00 0 00 55555 33333 66666 cns omm 07 22 1998 13 48 44 Y813484 A1000 000001 po n Feathers 111AAAO000 1 0000 Ton 100 0000 n LS gio n 07 22 1998 13 48 44 Y813484 000001 The Y at the beginning of the response field indicates that the transaction was approved This is followed by the approval code for the transaction the approval code is usually six digits but the standard length of the approval code can vary depending on the processing network that the merchant is using and an optional reference number If the software has been configured for address verification the one letter AVS response will be included at the end of the approval code Y123456Y12345678 For a complete list of AVS response codes
70. inning any credit card debit card or check processing a merchant account must be established through a financial institution ICVERIFY can function only with a merchant account Windows Minimum Requirements To use ICVERIFY for Windows you need the following 486 DX2 66 computer Windows 95 98 or Pentium 166 Windows NT 20 megabytes of free hard drive space 32 megabytes of RAM CD ROM drive for installation or 1 44 MB disk drive when using installation disks available from CyberCash upon special request Encrypted PINpad PINpads must be programmed by your bank before they can be used with ICVERIFY if you plan to accept debit ATM cards 10096 Hayes compatible modem Bell 103 for 300 baud Bell 212a for 1200 baud CCITT V22bis for 2400 baud Two track card reader to utilize magnetic card swipe functions For not present transactions such as mail order card information can be entered using the keyboard B High speed modems must be able to step down to 300 baud if you are using check or 1200 for credit card processing ICVERIFY can be configured to accept input from a magnetic card stripe reader In many cases this allows you to obtain a lower discount rate for processing credit cards For not present transactions such as mail order card information can be entered via the keyboard For instructions on configuring your card stripe reader see your manufacturer s documentation U
71. is processed by ICVERIFY the answer file can be examined for the response and processed as necessary The sample application calls the ShowAnswerFile function and simply displays the contents of the answer file Repeat Steps 2 5 to process transactions Perform necessary approval decline processing for the answer file 2 19e1deu2 Tutorials CHAPTER 7 Appendixes 77 APPENDIX Advanced Setup Advanced Setup has several options Only those discussed elsewhere in this book are covered here For complete information about the tabs in the Setup dialog see the ICVERIFY Setup Guide Accessing Advanced Setup You can view or update any of the tabs in the ICVERIFY Setup dialog by running ICVERIFY Setup from your ICVERIFY program group or by running ICSETUP EXE from the program directory where ICVERIFY is installed If ICVERIFY is running while changes are made using the Setup program it must be restarted before any changes made in setup will take effect Merchant Information Tab The Merchant Information tab Figure 21 page 78 allows you to add or modify merchant information y xipueddy 78 Advanced Setup APPENDIX A Icverify set I VERIFY Set Merchant Name 123 Merchant Address City ST ZIPOO 000 000 0000 BATCHIN DAT BATCHOUT DAT DATADIR ae LLLI MN VIL ERE ks ZOLL el pd a CA a 5 a FIGURE 21 THE MERCHANT INFORMATION Table 1
72. le C1 CMc CMM ACT EXP AMT ZIP ADD Void Sale C2 CMc CMM ACT EXP AMT Credit Return C3 CMc ACT EXP AMT Credit Void CR CMc CMM ACT EXP AMT Force Sale C5 CMc CMM ACT EXP AMT ZIP ADD Pre Auth C6 CMc CMM EXP AMT ZIP ADD xipueddy Standard Transaction Record Formats APPENDIX D 98 Mail Order Charge Card Formats Table 17 defines the formats used for mail order charge card transactions TABLE 17 MAIL ORDER CHARGE CARD FORMATS Book C4 CMM ACT EXP AMT ZIP ADD CVV2 Ship CO CMc CMM ACT EXP AMT ZIP ADD Sale C1 CMc CMM ACT EXP AMT ZIP ADD CVV2 Void C2 CMc CMM ACT EXP AMT APV Sale Credit C3 CMc CMM ACT EXP AMT Return Credit CR CMc CMM ACT EXP AMT APV Void Force C5 CMc CMM ACT EXP AMT ZIP ADD Sale Pre C6 CMc CMM ACT EXP AMT ZIP ADD CVV2 Auth ZIP and ADD are for record keeping purposes and are optional on forced sale Food Charge Card Formats Table 18 defines the formats used for food charge card transactions TABLE 18 FOOD CHARGE CARD FORMATS Authorization CA CMS CMT ACT EXP AMT TIP Add Tips CT CMS CMT ACT EXP AMT TIP force Sale C1 CMS CMT ACT
73. merchant setups will be mixed together in the same files The merchant s data directory is specified by the data disk directory field of the Merchant Information tab of the Advanced Setup program for more information see Merchant Information Tab page 77 When naming the data directories for each merchant it is strongly recommended that the directory name contain the merchant identifier discussed previously the data directory for ICVERIFY SET can be left at its default value ICVERIFY SET DATADIR RIFY 0001 5 0001 0001 0002 5 DATA0002 0002 0003 5 DATA0003 0003 It is not necessary to use the numeric naming convention outlined above alpha characters could be used if necessary However it is recommended that the numeric convention discussed above be used as it aids in troubleshooting and file maintenance Creating the Multi Merchant Setup Start by running the setup program and setting up the first merchant Complete the Setup Wizard and then select the option to run the Advanced Setup program Be sure to check these two setup options Data Disk Directory and Settle Merchants Y N because they are both important when setting up the software for multiple merchants Data Disk WDirectory This field is located on the Merchant Information tab It can be used to define the name of the data directory where the software will store its data files You must specify a separate dat
74. n answer file The sample code file is named unixdrop cpp It contains a hard coded transaction that is processed for an answer Using the Request Answer Interface To use the Request Answer file interface ICVERIFY must be set up with a request directory that is used to process transactions ICVERIFY polls this directory for request files REQ and processes them into answer files ANS See the online user manual for setting up ICVERIFY for multi user configuration Table 9 page 66 illustrates the file naming conventions used when processing transactions using this interface 2 19e1deu2 Tutorials CHAPTER 7 TABLE 9 FiLE NAMING CONVENTIONS FILENAME DESCRIPTION ICVEROO1 TMP A temporary file used to store transactions that need to be processed one transaction per line The extension of this file is arbitrary so long as the file extension is NOT REQ HLD ZZZ or ANS ICVEROO1 REQ Rename the temporary file to ICVERxxx REQ where xxx is the station number In a single user environment this is always 001 ICVEROO1 HLD Created by ICVERIFY for processing ICVEROO1 Z2ZZ Created by ICVERIFY for processing 001 5 The answer for the transaction s processed Sample Code Program Flow To integrate successfully the client application must follow some basic guidelines 1 Initialize 2 Prepare temporary request file 3 Rename request file 4 Wait for answer file 5 Process a
75. n requested Use a date range that spans over a period to produce a Credit Card report Use the format XX XX XXXX EDT Use the current date to produce a Settlement Preview report this is the processed date range of the transaction requested Use a date range that spans over a period to produce a Credit Card report Use the format xx Xx Xxxx RPS Allows you to set report options you want to use for each report Valid values are the following Y Captured N Not captured V Visa M MasterCard A American Express D Discover B This field is optional TABLE 4 DETAIL REPORT FIELD FORMATS CONT FIELD DESCRIPTION SUM Enables summary information Valid values are the following Y Totals only N Include details with totals S Settlement sub totals D settlement sub totals with details Q Raw data B If raw data is required make sure to enter the path and filename to where ICVERIFY should store the data in the HRD field TAG Enables or disables receipt printing Choose Y to print choose N to disable Contains the clerk information and can contain up to 32 alphanumeric characters CMM Contains comment information about the transaction and can contain up to 32 alphanumeric characters This field is often used for order numbers a unique number or alphanumeric sequence that identifies the transaction ACT Contains the credit card number used in the
76. n was included in the transaction a response is also included As an example the following transaction was sent for authorization C1 Billy 5000300020003003 0112 25 00 65421 2 Happy Lucky St The transaction is sent to terminal based processing network and was approved The response would look like the following Y123456Y The first letter is the answer for the transaction Y Approved Y is not the only response code you can get for approved transactions You can also receive a Q or a D depending on the processing network The next six digits represent the approval code The last letter is the response for address verification for a list of address verification result codes see Address Verification Result Codes page 91 If your processing network is host based the response would look like this Y12345687654321Y You have eight extra digits following the approval code These eight digits represent the reference number that was returned by your processing network Requests and Responses 42 CHAPTER 5 Following is an example of how the response for a declined transaction would be formatted NPICK UP CARD The N at the beginning of the field indicates that the transaction was declined The text of the response from the processor follows Declined transactions always start with a N 43 CHAPTER 6 Reports The chapter describes the individual sections of reports generated by ICVER
77. nate twice The number of retries is set by following the port information with RX where X is the total number of times to retry using the phone number Putting an E after the port information forces the modem to use even parity when being used by ICVERIFY This is necessary for some modems that have trouble switching to use even parity Valid values are as follows E Even parity O Odd parity N No parity y xipueddy Advanced Setup APPENDIX A TABLE 13 HARDWARE TAB OPTIONS CONT OPTION DESCRIPTION Dial String The dial string is used to set up the modem and dial the processing network Because the files ICVERIFY uses are quote comma delimited files DO NOT put a double quote in this string If the modem requires a double quote use two single quotes and ICVERIFY will translate as modem transmission occurs The tilde character translates to a carriage return and waits for an acknowledgment to come back from the modem Use of a at the beginning of the dial string causes ICVERIFY to pause before it starts sending data to the port after it opens This is necessary for some modems that take time to come online after the port has been opened Extra features on a modem can cause trouble in obtaining authorizations Most bank computers use generic 1200 baud modems and are programmed to disconnect if there is any extra data during the initial handshaking When a modem with error correction data compression or
78. ned in the address match the address at the issuer s center Z Five digit ZIP The five digit postal ZIP code matches that matches address Stored at the issuer s center However the first does not five numerical characters contained in the address do not match Field Definitions APPENDIX C Table 15 describes the field definitions for use with ICVERIFY TABLE 15 ICVERIFY FIELD DEFINITIONS MINIMUM MAXIMUM FIELD FiELD ID LENGTH LENGTH TYPE FIELD DEFINITION ACT 6 19 0 credit card account number ADD 0 20 1 billing address of cardholder AMP 0 13 5 amount of purchase AMT 0 13 5 amount APV 2 6 1 approval code cm1 0 40 1 charge description cm2 0 40 1 charge description cm3 0 40 1 charge description cm4 0 40 1 charge description 0 32 1 clerk field CMF 0 40 1 charge description CmM 0 8 5 discount amount cmm 0 13 5 discount amount CMO 0 25 1 customer order number CMo 2 2 1 operator ID cMO 10 10 2 order date Cmo 0 15 1 customer order number 2 xipueddy 94 Field Definitions APPENDIX C TABLE 15 ICVERIFY FIELD DEFINITIONS CONT MINIMUM MAXIMUM FIELD FiELD ID LENGTH LENGTH TYPE FIELD DEFINITION cMP 5 9 1 ship from ZIP code cMp 5 9 1 destination ZIP code cmP 5 9 1 origin ZIP code cmp 5 9 1 destination ZIP code cMu 3 3 7 dest
79. netic Stripe Readers for credit cards three track Magnetic Stripe Readers for credit cards and magnetic stripe driver s licenses keyboard MICR Readers for checks and Magnetic Stripe Readers with PINpads for debit ATM cards including DUKPT encryption New Features The following is a brief list of new features that have been added to ICVERIFY Retail AVS allows you to enjoy an extra level of security that mail order merchants have enjoyed for years With Retail AVS the customer s billing address is checked against what is on file with the cardholder s financial institution and you can see whether the information provided matches CVV2 and CVC provides an additional security measure A Card Verification Value number is printed on the cardholder s credit card If you cannot send the magnetic swipe information by swiping the card you can send the CVV2 number This may even earn you a higher rate than you would get by simply sending the account number by itself ECI flag for Internet Transactions tells the processing network that the transaction originated on the Internet Visa requires that all transactions originating from the Internet be marked as Internet transactions For information about setting the ECI flag see Options Tab page 82 2 Industry Overview of Processing Networks Merchants are set up by their financial institutions to process transactions through a Pr
80. ng and acquiring of MasterCard credit card transactions and Maestro debit transactions member A financial institution that is a member of Visa USA and or MasterCard International A member is licensed to issue cards to holders and or accept merchant drafts Member Service Provider MasterCard term for a company that is sponsored by an acquiring bank to solicit and sometimes support merchants merchant A retailer or any other entity pursuant to a merchant agreement that agrees to accept credit cards debit cards or both when properly presented merchant agreement A written agreement between a merchant and a bank or possibly a merchant a bank and ISO containing their respective rights duties and warranties with respect to acceptance of the bank card and matters related to bank card activity merchant bank A bank that has entered into an agreement with a merchant to process bank card transactions Also referred to as acquirer or acquiring bank merchant category code See SIC code Merchant Identification Number MID A unique number that identifies a merchant merit The qualification levels for a MasterCard transaction Merit IIl is the highest discount followed by Merit Il Merit I and then Standard MID See Merchant Identification Number MICR See Magnetic Ink Check Reader MODEM MOdulatorDEModulator An electronic telecommunications hardware device that is used by the terminal or PC POS to dialup the processo
81. nswer file Repeat Steps 2 5 to process subsequent transactions Perform approval decline processing you require for each transaction 67 Steps to Follow Step 1 Initialize The program module dosdrop cpp defines globally the constants and variables used by the sample application char szTrans 111 4005550000000019 9909 40055500 00000019 VISA TN EST CARD VISA 990910154321000000000000000 150 A 4005550000000019 990 91011000012345678 2 00 0 00 n r char szRequestDirectory REQUEST char szFileName 80 buffer to hold temporary request file name char szNewName 80 buffer for new file name The definitions above identify a transaction string szTrans this is hard coded for the purpose of this sample a request directory szRequestDirectory and two buffers to hold names of the temporary and answer files respectively Step 2 Prepare temporary request file void PrepareRequestFil void int fp file handle returned from open call int nCheck return value to check for error conditions char buff 1024 szFileName 0 0 make sure it s empty strcpy szFileName szRequestDirectory copy path into buffer strcat szFileName ICVEROO1 TMP add file name fp open szFileName O CREAT O TRUNC O RDWR strcpy buff chmod 777 strcat buff szFileName system buff chmod to read writeable nCheck write fp
82. ocessing Network ICVERIFY uses your computer s modem to contact this processing network directly The processor acts as an intermediary between you and your credit card company it checks the customer s account and then if the funds are available approves the transaction and routes the proceeds to your account Figure 1 page 8 In addition to processing credit cards many processing networks also handle debit card and check guarantee transactions z 8 The Bank Card Industry CHAPTER 2 FIGURE 1 BANK CARD AUTHORIZATION FLOW Credit card processing always involves at least the following two steps the second step may or may not be apparent to the merchant authorization settlement The first step is generally referred to as authorization When a credit card transaction for a sale is processed ICVERIFY connects with a credit card processing network and submits the transaction request The processing network takes the request and matches it with a database maintained by the bank that issued the credit card If there is enough credit available the transaction is approved and the necessary funds are held in reserve This reduces the card s open to buy reducing the available credit by the transaction amount No money changes hands at this point Approved transactions are stored by ICVERIFY in a settlement file Approved transactions are written to a settlement or open batch file in ICVER
83. oice authorization transaction A financial interaction that changes the financial position of the parties involved The CashRegister recognizes several types of transactions invoiced authorized and post authorized transactions returns voids and voided returns payment transactions and refund transactions See also authorized transaction refund return void and voided return transaction fee A transaction charge incurred by merchants who on scale pricing This is in addition to the percentage discount fees transaction file A file created by processors that contain all of the transactions for the previous day Some processors create two files one of authorizations and one of settled transactions V vendor file See transaction file Visa An association of banks that governs the issuing and acquiring of Visa credit card transactions voice authorization A transaction authorization that is provided by an operator usually when an issuer sends a Please Call message to the merchant instead of an authorization number void A correction transaction used by a merchant There is only a small period of time in which a purchase can be canceled Voids are typically handled by issuing credit to the consumer account A void is transaction specific and must be entered in the same batch as the original purchase Contrast return
84. on 9 48 Reports CHAPTER 6 Right below the credit card number there are three more fields The first of the three fields does not have an identifier This unidentified field is for the customer s name that appears on the card used for that particular transaction swiped cards only The next two areas are the clerk and comment identifiers To the right of the clerk and comment identifiers are the fields that contain the information for the identifiers Some merchants use the comment field for a customer order number There is a segment at the bottom of the report that summarizes the credit card section CREDIT CARD TRANSACTION TODAY TO DATE TO DATE TYPE COUNT TOTAL TOTAL ANG TOTAL ANG SHIP 2 825 25 412 825 25 412 825 25 412 TOTAL 2 825 25 412 825 25 412 825 25 412 Summary Summary of Summary of of the the Month to the Year to current Date total Date total day s total FIGURE 7 DETAIL REPORT CREDIT CARD SUMMARY The rest of the Detail Report is broken into sections similar to the Credit Card section Visa amp MasterCard Section This section shows Visa and MasterCard transactions of the different cards This section has the same fields as the Credit Card section plus a few more 49 VISA MASTERCARD CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEO RESPONSE S VISA 4715123456789013 9909 750 25 04 01 1
85. on Only retail transactions are eligible for AVS Card present transactions are not eligible for AVS G Address information The address information is not available for an unavailable international credit card N Neither the address Neither the first five numerical characters nor the ZIP matches contained in the address nor the ZIP code match those stored at the issuer s center R Retry system The system is unavailable Try again later unavailable or timed out 5 Card type not The card type for this transaction is not supported supported by AVS AVS can verify addresses for Visa cards MasterCard proprietary cards and private label transactions U Address information The issuer supports AVS but the address unavailable information is not available at this time xipueddy Address Verification Result Codes APPENDIX B TABLE 14 AVS RESULT CODES CONT LETTER CODE DEFINITION DESCRIPTION Nine digit ZIP The nine digit postal ZIP code matches that matches address stored at the issuer s center However the first does not five numerical characters contained in the address do not match X Exact match nine Both the nine digit postal ZIP code and the first digit ZIP and five numerical characters contained in the address address match the address at the issuer s center Y Address and five Both the five digit postal ZIP code and the first digit ZIP match five numerical characters contai
86. onic Commerce Indicators Electronic Cash Register ECR The combination of a cash register and a point of sale POS terminal often PC based Electronic Draft Capture EDC A system in which each transaction is routed to the host computer for processing and storage The stored transactions are used to create settlement files and transaction reports Electronic Funds Transfer EFT A method of incrementing or decrementing an account through electronic means eliminating the need for paper checks or withdrawal slips encrypt To scramble a message so that a key held only by authorized recipients is needed to unscramble and read the message In CyberCash terminology when the encrypted data is routed through a gateway it is decrypted and processed All processed information approved declined transactions is then re encrypted and sent securely back to the merchant s web site Once at the web server it is decrypted and displayed to the consumer See also decrypt External Sales Agent ESA A term used by American Express for Independent Sales Organizations ISOs and MSPs floor limit Rarely used now this was a preset limit established by an issuer that allowed merchants to accept credit card sales without authorization provided the merchant check to see that the card number was not listed on a Warning Bulletin for lost or stolen cards force A transaction type used primarily to enter a voice approved sale transaction into
87. ould be formatted in this manner 99124003010123426780 9912016752001002 The expiration date and the end sentinel for the Track 2 data have been shown in bold print Note that the start sentinel for the Track 2 data a semicolon is not present Basic Sale Transactions Containing No Swipe Data This is a sample of a basic sale transaction C1 which does not contain any card swipe data The expiration date December 2001 or 0112 field is located in the fifth quote comma delimited field of this file Cl Clerk comment 4003010123426780 0112 1 00 Sale Transaction with Track 1 Data Only One Continuous Line The following is an example of a sale transaction containing only Track 1 data C1 CLERK1 COMMENT2 4003010123426780 9912B4003010123426780 JANE DOE 991201101002 1 00 Sale Transaction with Track 2 Data Only One Continuous Line The following is an example of a sale transaction containing only Track 2 data CI CLERK1 COMMENT2 4003010123426780 99124003010123426780 9912016 752001002 1 00 About Industry Transactions CHAPTER 3 Sale Transaction with Both Track 1 and Track 2 Data One Continuous Line The following is an example of a sale transaction containing both Track 1 and Track 2 data CI CLERK1 COMMENT2 4003010123426780 9912B4003010123426780 JANEDO E 991201101002 4003010123426780 9912016752001002 1 00 5 The magnetic card reader is used to get the b
88. overs interchange fees as well as authorization costs and cost of sales draft processing This merchant discount is also known as the Interchange Discount Rate and is negotiated at the time the acquirer merchant agreement is drawn up Once a month the acquirer calculates the Interchange Discount Rate and subtracts it from the amount credited to you Interchange Discount Rates are calculated using a cost based interchange methodology based upon the economic characteristics of the product you sell the industry segment to which you belong and the processing characteristics of that industry segment Interchange Discount Rates are also calculated using incentive based methodologies These fees are generally lower than calculated rates and are reflective of member investments to facilitate interchange involving technology adoption data enhancement and other strategic objectives of the bankcard system z Bank Card Industry CHAPTER 2 Understanding Interchange Fees and Interchange Discount Rates Bankcard systems and issuers use tiered Interchange Fee Interchange Discount Rate schedules to provide incentives to use the system issuer increase volume through that system issuer and interface with the system in a manner advantageous to the system issuer Generally technologies interfaces that are less error prone or otherwise incur reduced overhead on behalf of the system issuer are charged lower Interchange Discount Rates th
89. r MOTO Mail Order Telephone Order MSP See Member Service Provider multi trans mode A host computer which allows multiple transactions with the same telephone call N net settlement bank The bank that maintains the settlement account and that executes funds transfers with member clearing banks network The setup of hardware and software that allows multiple computers to connect and communicate with each other electronically or through the use of fiber optics node One of the many points connected together to form a network The terminal dials the closest node and becomes connected to a nationwide telecommunications network 119 xipueddy 120 5 APPENDIX G non qualified A broad term that describes a transaction that did not interchange at the best rate because it was entered manually or it was not settled in a timely manner offline An operating mode in which the software or service is not connected to the processor in real time This mode is often used when a merchant is batch processing transactions online inquiry Some processors offer PC inquiry to the host system to view transactions chargebacks and so on open to buy The amount of credit available at a given time on a card holder s account original draft The original copy of the forms and signature used in the transaction Also referred to as hard copy P packet switched network A nationwide network of circuits that allow
90. r they will automatically be logged when in Debug Mode TABLE 12 OPTIONS TAB OPTIONS CONT OPTION DESCRIPTION Amount Tax Inclusive Y N Applies to Purchase Cards using VAT Tax only Valid values are Y Tax is included in the amount N Tax to be added to amount default Special Option 1 Applies primarily to merchants using the restaurant market format It controls how a restaurant authorization transaction is handled by ICVERIFY Valid values for the restaurant market format are as follows N ICVERIFY requires that an Add Tips transaction be completed before settlement of an authorization can occur Y Settlement of an authorization can occur without Add Tips transaction is performed At settlement time all authorizations will be closed for the original ticket amount without the business factor For example A charge was originally authorized for 115 100 15 business factor No Add Tips transaction was completed Upon settlement this transaction is closed for only 100 mg If you are operating in Retail or Mail Order formats this field should be set to Y mg Some restaurant point of sale packages may require this field to be set to Y in order to settle transactions Consult the documentation included with your point of sale package for more information Reports Starting Time Reports Ending Time Used to set the default starting and ending times for reports
91. r purchase card level III transactions TABLE 20 PURCHASE CARD LEVEL Ill FORMATS Visa PCard Line Item Detail PO PRD DEM Qua UOM AMM DSC FBC Amex PCard Line Item Detail P3 2 cm3 cm4 MasterCard Line Item Detail P1 CT3 DEV PRD E19 E09 E16 E18 VT2 DSC Standard Debit Formats Table 21 defines the formats used for standard debit transactions TABLE 21 STANDARD DEBIT FORMATS Sale D1 CMc CMM AMT AMN AMt ACT NUL SWP PIN Void D2 CMc CMM AMT AMN REF ACT NUL SWP PIN Refund CMM AMT AMN NUL SWP PIN Standard Check Guarantee Formats Table 22 defines the formats used for standard check guarantee transactions TABLE 22 STANDARD CHECK GUARANTEE FORMATS Check Guarantee K1 CMc CMN STE DLn DOB CKN AMT Drivers License Check Guarantee K2 CMc CMN ABA CH2 CKN AMT MICR Reader Check Guarantee G4 CMc CMN ACT FM AMT MICR Reader 101 a xipueddy 102 Standard Transaction Record Formats APPENDIX D APPENDIX E Table 23 describes the different types of report transactions TABLE 23 REPORT TRANSACTION TYPES Report Transaction Types MAIL ORDER HOTEL LODGING CHARGE CARD RETAIL CHARGE FOOD CHARGE CARD CHARGE CARD TYPES CARD TYPES TYPES TYPES Book B Sale S Authorization A Check
92. rchasing Level Ill Record Formats Level Ill Transaction Records for FDMS Cardnet Level Ill Transaction Records for GPS MDI Modular Processing Offline Group Input or Request Interpreting Results Debit Card Debit Card Requests Inquiry Setting Up ICVERIFY for Multiple Merchants CHAPTER 4 Requests and Responses Reports Tutorials Naming Conventions for Setup 35 Creating the Multi Merchant Setup 36 Data Disk Directory 36 CHAPTER 5 Life Span of a Request 39 Transaction 41 CHAPTER 6 Detail Reports 43 Credit Card 46 Visa amp MasterCard 48 American Express Section 50 Not Captured or AuthOnly Section 51 Authorized Transaction 52 Post Settlement 54 Credit Card 55 Authorized Only Transaction
93. s on open platform point of sale business systems worldwide In addition to transaction processing ICVERIFY provides transaction storage tracking and retrieval reporting and integration capabilities ICVERIFY is available for Windows UNIX and DOS systems and can be configured for single user multi user and or multi merchant operation additional licensing may be required Jeydeu About ICVERIFY CHAPTER 1 ICVERIFY solutions are used in both traditional retail environments such as general retail restaurant and hotel and in non traditional retail environments such as kiosk catalog and mail phone order cellular digital packet data and wireless communications ICVERIFY supports transaction processing through all of the major processing networks ICVERIFY places many powerful features at your fingertips enabling you to do the following process VISA MasterCard American Express NOVUS Diners Club Carte Blanche JCB and private label credit cards process ATM debit and check transactions integrate with existing merchant software systems produce comprehensive transaction reports that can be printed or viewed on screen import and or export data into other applications such as order entry programs point of sale systems databases Internet shopping carts and spreadsheets store up to nine years of transaction information for financial tracking reconciliation and marketing demographics use two track Mag
94. s the URL or path to the printer B If raw data is required make sure to enter the path and filename to where ICVERIFY should store the data in the HRD field SDT Use the current date to produce a Settlement Report this is the processed date range of the transaction requested Use a date range that spans over a period to produce a Credit Card Report Use the format Xx Xx XXxx EDT Use the current date to produce a Settlement Report this is the processed date range of the transaction requested Use a date range that spans over a period to produce a Credit Card Report Use the format xx xx xxxx RPS Allows you to set report options you want to use for each report Valid values are the following Y Captured N Not captured V Visa M MasterCard A American Express D Discover Ej This field is optional SUM Enables summary information Valid values are the following Y Totals only N Include details with totals S Settlement sub totals D settlement sub totals with details Q Raw data B If raw data is required make sure to enter the path and filename to where ICVERIFY should store the data in the HRD field TAG Enables or disables receipt printing Choose Y to print choose N to disable TABLE 7 CREDIT CARD REPORT FIELD FORMATS CONT FIELD DESCRIPTION Contains the clerk information and can contain up to 32 alphanumeric characters CMM Contains comment information about the transac
95. sactions SECURITY AND E COMMERCE TRANSACTIONS ICVERIFY may be used to send transactions over the Internet provided the user has implemented security measures firewalls encrypted files and so on appropriate to the user s intended use E commerce transactions require an inherently higher level of security than transactions that communicate over the traditional phone system Security of transactions and transaction data is the responsibility of the user and is beyond the scope of ICVERIFY support Consult with a security expert if you have any questions about how to configure the product for eCommerce transactions Hardware Tab The Hardware tab Figure 23 page 87 allows you to add or modify settings to your hardware configuration 4 Icverify ICVERIFY Setup 565 File Edi View Help Terminal Id Merchant Information Credit Cards Check Guarantee Hardware Options Debit Cards Modem Port 2 R1 Dial String at amp F34593212EQV amp C18D 22 C amp K amp M amp BSN Wait Time For CONNECT Serial Type N S L Y B D SIG CAP Port Signature Capture Type Wait Hold FIGURE 23 THE HARDWARE TAB Table 13 describes the fields available on the Hardware tab TABLE 13 HARDWARE TAB OPTIONS OPTION DESCRIPTION Modem Port This field is used to specify the communications port to which a modem is attached By default ICVERIFY will try each phone number primary and alter
96. section demonstrates the life span of a request file A request file is a file containing transactions that need to be processed This file is generated by your application After ICVERIFY processes a request file an answer is given for that request 1 In your ICVERIFY directory create a new directory and name it REQDIR 2 Run the ICVERIFY Multi User Request file Processor you need to have entered you merchant information in the setup or be using one of the ICVERIFY demo setups for this example 3 Click Browse next to the request directory field Search for and select the new directory called reqdir 4 Click Initialize and minimize the Multi User Request file Processor 5 Open a text editor and type the following line Cl1 Clerkfield Commentfield 5000300020003003 0111 1 00 This line is a basic sale transaction There are six fields in this transaction set of quotes and a comma separate each field within this transaction The first field is for the transaction type The transaction type is a two character code that tells ICVERIFY what kind of transaction this is This field is case sensitive In the above example the transaction type is is the ICVERIFY code for sale For a list of field types see Standard Transaction Record Formats page 97 The next two fields are the clerk and comment fields These two fields can contain alpha and numeric characters only You do not have to enter inform
97. sed on information obtained from a card reader are referred to as swiped transactions Better discount rates are generally offered for swiped transactions An application can prepare these swiped transactions and pass them to ICVERIFY for authorization To send a swiped transaction use the same transaction record format and append the swipe data minus the start character or sentinel 76 to the expiration date A sample of both swiped and keyed or hand entered transaction types follow A sample Sale transaction C1 that does not contain any card swipe data is shown below The expiration date field is in bold print C1 CLERK1 COMMENT2 4003010123426780 9912 1 00 The following is a sample card swipe that could be used by an integrated application to create a request file containing swiped data This swipe contains Track 1 and Track 2 data which is separated by start and end sentinels The start and end sentinels for Track and Track 2 are shown in bold print B4003010123426780 JANEDOE 991201101002 4003010123426780 99120167520012 The Track 1 data in this example uses a percent character as the start sentinel and the Track 2 data uses a semicolon as the start sentinel Note that both Track 1 and Track 2 data use a question mark as the end sentinel B It is often possible to configure different card readers to use different ASCII characters as start and end sentinels ICVERIFY expects the start and end sentin
98. t cause any funds to be transferred If a sale has not been settled it can be voided If a sale has been settled a credit refund return transaction must be performed gt Transactions that have been voided continue to hold funds from a customer s open to buy until they have expired Credit Refund Return A credit transfers money from your account back to the customer It is used to return funds to the customer s account after a transaction has been settled A void does not work in this type of situation because it is designed to nullify an unsettled transaction that is a transaction that is still in the open batch waiting for settlement For terminal based processors ICVERIFY does not dial out when a credit is submitted Instead the credit is stored in the open batch and transmitted at settlement For most host based processing networks the software will dial out when a credit is submitted Credit Void Cancel Return Refund Void Similar to a void transaction a credit void is designed to remove an unsettled credit transaction from the open batch A credit void cannot be performed if the credit has already been settled AuthOnly Pre Authorization An AuthOnly transaction is used to verify funds and return an approval code This transaction cannot be settled A force transaction must be performed to settle this transaction see Force Post Authorization AuthOnly transactions are cleared out of the batch each time a settlement is
99. t identify the issuing bank The first six digits of a card number are often referred to as a BIN basis point One one hundredth of a percent Discount rates are expressed as basis points batch A collection of transactions Usually a merchant has one batch per day or per shift batch processing A type of data processing where related transactions are transmitted as a group for processing BIN See Bank Identification Number bundled rate A discount rate that includes communications costs as well as transaction fees Also referred to as flat rate cancellation number A number provided by a resort hotel or motel to verify a cardholder s notification to cancel a guaranteed reservation or advance deposit capture A process in which a credit card sale or return transaction is submitted for financial settlement Authorized credit card sales must be captured and settled for a merchant to receive the funds See also settlement 113 xipueddy 114 Glossary APPENDIX G card issuer See issuing financial institution chargeback The act of taking back funds for a disputed or improper credit card transaction that have been paid to a merchant This procedure is initiated by the issuer after the acquirer has begun the clearing process chargeback period The number of calendar days in which an issuer may charge sales back to the merchant beginning the day after the date the record is first received by the merchant or
100. t the corresponding address As such utilization of this feature often allows you to receive a lower interchange rate on transactions resulting in more money in the your pocket In summary When processing transactions you connect to a processing network This is an entity that acts as an intermediary between the you and the credit card company After authorizing transactions authorizations must be settled before the funds from the approved transactions are transferred to your account Most processors require that you dial into their network to perform a settlement Some host based processors not all will settle transactions for you automatically ICVERIFY has complete split dial capabilities VPIP enabling you to dial direct to and NOVUS to save on transaction fees This is done with no extra integration on the part of the developer ICVERIFY recognizes the credit card number and dials the correct processing network Card Verification Value 2 Card Verification Code CVV2 CVC CVV2 and are new security features on the back of Visa and MasterCard credit cards They were put in place to help merchants avoid fraud and increase profits The new three digit value is an important new security feature for card not present transactions and now appears on the back of most Visa and MasterCard credit cards This new feature provides a cryptographic check of the information embossed on the card The CVV2 CVC three di
101. te in which a batch of transactions is not released to interchange because of problem noticed by the host computer This state requires human intervention to fix the problem and settle the batch swiped card Credit card information that is read into ICVERIFY directly as a result of swiping or sliding the credit card through a card reader The information magnetically encoded in the magnetic stripe is transmitted This information includes secret data that helps validate the card Compare manual entry synchronous A method of transmitting data in which the data elements are sent at a specific rate so that start and stop characters are not needed This is used by older modems AMEX PIP terminals and so on Contrast asynchronous T Travel and Entertainment T amp E Card Credit cards that typically require payment in full each month for example American Express Diners Club and Carte Blanche Terminal Capture A CyberCash CashRegister supported processing model by which payments are authorized immediately and stored in a batch file at the CashRegister Batch files are sent by the merchant to the processor through CyberCash for settlement A so referred to as Authonly 123 xipueddy 124 Glossary APPENDIX G third party processor A non member agent employed by an acquiring bank which provides authorization settlement and merchant services to a merchant ticket only A sale transaction for which you have received a v
102. tion and can contain up to 32 alphanumeric characters This field is often used for order numbers a unique number or alphanumeric sequence that identifies the transaction ACT Contains the credit card number used in the transaction and cannot contain spaces or dashes EXP Contains the expiration date on the credit card used in the transaction The date format is YYMM year year month month AMT Contains the amount of the sale Decimal points are not required but recommended CMN Contains the customer s name Report Type Time Y Credit Card Report AS OF DATE 04 01 1999 12 29 49 FDR7 test HISTORY Company FIGURE 19 CREDIT CARD REPORT INTRODUCTION The first section of the report indicates the transactions from history and the total dollar amount of these transactions and are broken out by credit card type 9 Reports 60 CHAPTER 6 Credit card type Y CARD COMMENT T TYPE NUMBER S AMER 37373000000XXXX 9906 TEST CARD CLERK CUSTOMER ORDER S VISA 471512345678XXXX 9909 CREDIT CARD AMOUNT DATE TIME 75 00 04 01 11 19 Clerk Field Comment Order 750 25 04 01 11 19 VISA PURCHASE VISA SEQ RESPONSE 000000 911044 Num 000000 OK 911190 CLERK Clerk Field CUSTOMER ORDER Comment Order Num C CLOS 2 0002 825 25 04 01 12 28 002 Total dollar amount of settled transactions CREDIT CARD TRANSACTION
103. tion the exchange of financial transaction information is termed clearing while the exchange of actual funds for the transaction and the fees associated with them is termed settlement Clearing and settlement occur simultaneously and the term used to refer to this system globally is interchange Interchange enables issuers and acquirers to exchange information transactions and money on a standardized and consistent basis when going through the bankcard system MasterCard Visa Discover NOVUS and so on What are Interchange Fees During the interchange process the acquirer pays fees to the issuer An acquirer is a bank that represents merchants in accepting transactions also referred to as the merchant bank An issuer is a bank that issues a credit debit purchase card to a consumer The issuer deducts these fees from the transaction amount and the issuer pays the net amount to the acquirer These are termed interchange fees This ostensibly is compensation to reimburse the issuer for the expenses of processing the transaction and risks associated with providing loans The types of fraud detection technologies you employ can affect the interchange rate What are Interchange Discount Rates The acquirer is reimbursed for its costs included interchange fees paid by charging you a merchant discount which can be a percentage of the transaction value or a set fee after cost This discount is usually calculated and charged once a month It c
104. titution enables the merchant to accept credit card transactions Merchants must maintain accounts with an acquiring financial institution to be able to process credit for credit card transactions The acquiring financial institution deposits the daily credit card sales into the merchant s account minus applicable fees 95 of transactions are processed using one of the CyberCash enabled acquiring financial institutions Address Verification Service AVS See 5 agent bank A bank that participates in another bank s card program usually by turning over its applicants for bankcards to the bank administering the bankcard program and by acting as a depository for merchants 111 xipueddy 112 Glossary APPENDIX G approval An acceptance of payment a code is issued by a card issuing bank allowing a sale to be charged against a cardholder s account The amount is within the cardholder s remaining credit limit and that the card has not been reported lost or stolen Approvals are requested via an authorization American Express An organization that issues cards and acquires transactions unlike Visa and MasterCard which are bank associations arbitration The procedure used to determine the responsibility for a chargeback related dispute between two members See also chargeback asynchronous A method of transmitting data in which the data elements are identified with special start and stop characters An asynchronous mo
105. tle your batch This means that at a certain point each day the processor automatically closes out the batch at its end ICVERIFY uses the computer s internal clock to automatically transfer the open batch into the history file without contacting the processor Some host based processors require that a settlement be performed however only batch totals are sent unless an out of balance condition is encountered z 191deu2 10 Bank Card Industry CHAPTER 2 Most merchants that need to settle go through a settlement procedure at the end of each day ICVERIFY automatically processes all credit cards authorized since the last settled batch Once settlement has been completed either by the merchant or the processor the funds are deposited to your account at a time determined by your agreement with the bank or card company ICVERIFY also supports complete split dial capabilities or Virtual Plural Interface Processing Figure 3 This provides you substantial savings by lowering the discount rate paid per transaction ICVERIFY allows you to dial into one processing network for Visa and MasterCard transactions and dial directly into Discover and AMEX for authorization and settlement of Discover and American Express transactions OTHER CARD PROCESSI ETWOR FIGURE 3 PIP SPLIT DIAL PROCESSING FLOW 11 About Interchange Discount Rates In the context of electronic payment authoriza
106. transaction and cannot contain spaces or dashes EXP Contains the expiration date on the credit card used in the transaction The date format is YYMM year year month month AMT Contains the amount of the sale Decimal points are not required but recommended CMN Contains the customer s name Report information is located at the beginning of the Detail Report The introduction includes the report type dates and time the company name and page number as shown in Figure 5 page 46 45 9 46 Reports CHAPTER 6 Start Date Ending Company Name Date and Time Detail Report AS OF 04 01 1999 DATE 04 01 1999 11 29 59 PAGE 1 FDR test CURRENT CREDIT CARD FIGURE 5 DETAIL REPORT INTRODUCTION Credit Card Section This first section of the report Figure 6 is call Credit Card This section details what cards are going to settle and includes all card types CREDIT CARD CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE AMER 373730000000001 9906 75 00 04 01 11 19 000000 OK 911044 AMEX TEST CARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num 5 VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHASE VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num Clerk and Customer name comment fields Clerk and Comment identifier FIGURE 6 DETAIL REPORT CREDIT CARD SECTION There are several fi
107. ttlement is attempted for any one merchant 6 Click the Hardware tab Use the information from the first merchant setup to fill in the Modem Port and Modem Initialization String fields 7 From the File menu choose Save and save the file as 0001 5 y 191deu2 Setting Up ICVERIFY for Multiple Merchants CHAPTER 4 To process a transaction for a specific merchant you need to use the merchant code The merchant code is the four characters that you used in the naming of the SET file For example if the set file name is ICVE0001 SET then the merchant code is 0001 The following is an example of how the transactions should look C1 0001 comment 5419840000000003 0202 15 00 C1 0002 comment 4005550000000027 0102 10 00 C2 0001 comment 5419840000000003 0202 15 00 In this example the first request is a 15 00 sale for merchant 1 the second line is a 10 00 sale for merchant 2 the third line voids the first sale for merchant 1 ICVERIFY actually sees the 0002 and switches to the merchant number stored in ICVE0002 SET As shown by the example below a merchant ID need not be numeric C1 MER3 comment 4005550000000027 9903 10 00 This would use the setup file ICVEMER3 SET For more information about the Advanced Setup tabs mentioned in this chapter see Advanced Setup page 77 39 CHAPTER 5 Requests and Responses Life Span of a Request file This
108. ture processors release When a merchant instructs the software to close a batch This applies only to the Host Capture processing model Cardholders are not charged or merchant accounts credited until a batch is released Compare deposit retrieval See retrieval request retrieval request A request to a merchant for documentation concerning a transaction usually a cardholder dispute or suspicious sale return A retrieval request can lead to chargeback S settle See settlement settlement A process in which a credit card transaction is settled financially between the merchant s acquiring financial institution and the consumer credit card issuing financial institution The merchant s processor credits his or her account for the credit card sale and the sale is posted to the consumer s credit card account See also capture SIC Standard Industry Classification code A four digit code assigned to a merchant to identify that merchant s principle line of business slid entry See swiped card Compare manual entry standard The lowest qualification level at which a Visa or MasterCard transaction may interchange Caused when a transaction is deposited several days after the original authorization and not swiped stripe read See swiped card surcharges Any additional charges to a merchant s standard processing fees They are a result of non qualified transactions of different communications methods suspense A sta
109. upport CVV2 or CVS If your processing network does not support this feature leave this field blank If you are not sure if your processing network supports this feature you can send the information icverify sends it to the processing network if it is required For more information about CVV2 CVC see Card Verification Value 2 Card Verification Code CVV2 CVC page 13 Book Booking a transaction authorizes and places a hold on the transaction amount A Book transaction is the first part of a two part transaction it cannot be settled until it is completed by a Ship transaction This transaction is used if the merchandise will not be sent to the customer within 24 hours If the merchandise is to be sent to the customer within 24 hours then a sale transaction can be performed You put this information in a quote comma delimited format that looks like this C4 Clerk Comment Charge Card 0202 1 00 ZIP Address CVV2 A card can still be approved if the address information is incorrect It is up to each merchant to accept or decline failed AVS transactions based on the information For more information see Transaction Responses page 41 Ship This transaction is used to complete a Book transaction It voids the Book transaction and creates a new transaction Ship When settlement is performed this transaction sends the message that the merchandise was sent Funds are not transferred from a Book transaction until
110. ut by credit card type Credit card type CREDIT CARD BATCH 1 CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE S AMER 373730000000001 9906 75 00 04 01 11 19 000000 911044 TEST CARD CLERK Clerk Field CUSTOMER ORDER Comment Order Num S VISA 4715123456789013 9909 750 25 04 01 11 19 000000 OK 911190 VISA PURCHASE VISA CLERK Clerk Field CUSTOMER ORDER Comment Order Num CLOS 2 0002 825 25 04 01 12 28 002 Total dollar amount of settled transactions FIGURE 16 POST SETTLEMENT REPORT CREDIT CARD SECTION Below the information shown in Figure 16 is a segment that summarizes the credit card section Authorized Only Transaction Section The next section of the report identifies those transactions that did not settle these transactions were authorized only It also breaks down these transactions by credit card type 9 Reports 56 CHAPTER 6 Credit card NOT CAPTURED OR AUTH ONLY BATCH 1 CARD COMMENT T TYPE NUMBER EXP AMOUNT DATE TIME SEQ RESPONSE B VISA 4715123456789013 9909 50 50 04 01 11 01 000000 911015 ADD ZIP VISA PURCHASE CLERK ZIP CODE BILLING ADDRESS B MAST 5405010100000016 9912 PETE P MASTERCARD Me 55555 123 This St 95 20 04 01 11 14 000000 OK 911144 Clerk Field Comment Order Num CLERK CUSTOMER ORDER Customer name Clerk and comment Clerk and Comment fields FIGURE 17 POS
111. y should be used only to store ICVERIFY data and should be different from the ICVERIFY program directory For multi user configurations it should also be different from the shared directory used to exchange request and answer files When configuring ICVERIFY for multiple merchants it is critical that you specify a different data directory for each merchant using the Data Disk Directory field 79 y xipueddy Advanced Setup APPENDIX A TABLE 11 MERCHANT INFORMATION TAB OPTIONS CONT OPTION DESCRIPTION Auto Settle 24 Hour Clock To configure ICVERIFY to automatically attempt to initiate settlement at a specific time of day use this field to specify a time for automatic settlement A 24 hour clock is used for example 1 00 PM 13 The default setting is 00 which indicates manual or host settlement Valid values are as follows Settings for terminal hybrid based processors 00 Off 01 12 1 00Am 12 00PM dials processor for settlement at a specified hour 13 24 1 00PM 12 00AM dials processor for settlement at a specified hour Settings for host based processors 00 Transfers transaction to history at 12 00 01am the next day 25 36 1 00Am 12 00PM clears transactions to history at a specified hour 37 48 1 00PM 12 00AM clears transactions to history at a specified hour 55 Forces host based processor to settle must be supported by processor ICVERIFY S

ICVERIFY: Software Developer`s Kit

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