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National Check Network Reference Guide

1. Definition 18h Cum cbk from site group young acct 181 Cum cbk from site location young acct 19 Window velocity limits for young accounts 19a Num checks from anywhere in win young acct 19b Num checks from site grp in win young acct 19c Num checks from site loc in win young acct 19d Cum amt from anywhere in win young acct 19e Cum amt from site gro in win young acct 19f Cum amt from site loc in win young acct 19g Cum cbk from anywhere in win young acct 19h Cum cbk from site gro in win young acct 191 Cum cbk from site loc in win young acct 20 Response messages 20a Approval msg 1 to 9 chars 20b Warning msg 1 to 16 chars 20c Decline msg 1 to 16 chars 21 ID flagged options 21a ID flagged for assoc acct has problem 21b ID flagged for marked stopped 21c ID flagged for marked stolen forged 21d ID flagged for special purpose 1 marked 21e ID flagged for special purpose 2 marked 21f ID flagged for special purpose 3 marked 21g ID flagged for special purpose 4 marked 21h ID flagged for special purpose 5 marked 22 Decline Warning choices 22a Msg for account is stopped D W NCN Training Guide Table 4 1 List of Rules that can be Edited Cont Definition 22b Msg for over unpaid item limit D W 22c Msg
2. Definition 13c Payroll ID must be approved for site location 13d Manager approval reqd for payroll IDs 13e Manager approval reqd for payroll accounts 14 Unpaid check limits 14a Number of unpaid items from anywhere 14b Number of unpaid items from site group 14c Number of unpaid items from site location 14d Cum amount of unpaids from anywhere 14e Cum amount of unpaids from site group 14f Cum amount of unpaids from site location 15 Federal Reserve Districts deemed local 16 Young account time periods 16a Num days a local account is young 16b Num days an out of area account is young 17 Transaction limits for young accounts 17a Check amount requiring ID young account 17b Maximum check amount allowed young account 17c Cash back amount requiring ID young account 17d Maximum cash back allowed young account 18 Day velocity limits for young accounts 18a Num checks from anywhere young acct 18b Num checks from site group young acct 18c Num checks from site location young acct 18d Cum amt from anywhere young acct 18e Cum amt from site group young acct 18f Cum amt from site location young acct 18g Cum cbk from anywhere young acct NCN Rule Set Maintenance 4 5 Table 4 1 List of Rules that can be Edited Cont
3. ID IS NEEDED There was no ID included in the request packet Examples lt STX gt GOOD MERCHANT AUTH NUM 123 456 lt ETX gt lt LRC gt The above shows a response packet to the store GOOD MERCHANT when the check verification resulted in an approval lt STX gt GOOD MERCHANT MANAGER NEEDED DAY LOC NCHKS 3 lt ETX gt lt LRC gt The above shows a response packet to the store GOOD MERCHANT when a velocity limit was exceeded In this case the merchant has asked that velocity limits exceeded should be treated as a warning hence the MANAGER NEEDED message lt STX gt LOCATION 88734 DECLINE CHECK 2 UNPAIDS LOC UNPAID AMT 376 BANK STOP PHN 800 555 1212 SUPER COLLECT lt ETX gt lt LRC gt The above shows a response packet to the store identified only as LOCATION 88734 with a decline result from the verification request with 3 messages appended The unpaid checks are held by the SUPER COLLECT agency They can be reached by phoning 800 555 1212 15 18 NCN Training Guide Index A activity report writer setup 7 1 APPL NOT FOUND 10 19 ASCII file format 5 4 B BAD RX COMMUN 10 23 BAD TX COMMUN 10 23 BAD LOC RULE NUM 10 19 billing file generator 6 1 billing file generation 6 4 billing generator day by day file 6 1 C Calendar Clock Terminal resetting 10 14 check transactions payroll 2 9 CHEQ 10 20 comma delimited format 5 4 comma delimited logs 5 3 communications review re
4. Table 15 4 Programs for the TRANZ 330 Cont Program Name Description SP33789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use check reader Early dial if Loc 923 1 Skip sale amount if Loc 712 1 Uses extra Locs 913 923 SPMDLx Always gets both MICR any reader plus driver s license and check amount never gets sale amount Uses Locs 914 921 regardless of key SPxPYRL All three transaction types initiated by key x using a secondary menu to select specific type Skip sale amount if Loc x12 not empty Locs x13 x33 Check reader input can use printer port or PIN pad port MFxPNTR All three transaction types initiated by key x using a secondary menu to select specific type and printing Warnings or Declines on roll printer Skip sale amount if Loc x12 not empty Locs x50 x80 for x 2 3 8 Locs 913 941 for x 9 Check reader input can use printer port or PIN pad port 33DLxPT ID based transaction w driver s license and printing Warnings or Declines on roll printer Locs x87 x99 for x 2 3 8 Locs 937 949 for x 9 RMRS330 Full interactive program capable of performing all types of transactions on Velocity PLUS In this table x is any integer between 2 and 9 inclusive Except for FK38x these programs all prompt for the check amount after getting the MICR or ID Five of them also prompt for the sale amount tha
5. To examine the next location in numerical sequence press lt FUNC ENTER gt To examine the previous location in numerical sequence press lt ALPHA gt To examine a totally different location just key in the digits of the new address When finished examining locations press lt CLEAR gt Store data in a location VeriFone terminals also have a built in function to store new data in a location To store data in a location 1 2 Press lt CLEAR gt followed by lt FUNC ENTER gt When the FUNCTION prompt appears press 8 The terminal responds with the password prompt ENTER PASSWORD Key in the password 166831 for ZON Jr terminals and 1 lt ALPHA gt lt ALPHA gt 6683 1 for TRANZ terminals As you key in the password an asterisk appears for each entered character If you make a mistake use the lt BACKSPACE gt key to eliminate the erroneous character After entering the password press the lt FUNC ENTER gt key The terminal displays STORE WHAT This prompt is somewhat misleading and might be better if it displayed STORE WHERE It wants you to enter the location number 10 6 NCN Training Guide The address location appears followed by an equal sign Key in the location in exactly the same manner as for examining locations When you have keyed all required digits or pressed the lt FUNC ENTER gt key 6699 Key in the new data for that location using the lt ALP
6. eenen 14 6 Merchants Admin Menu cococnnnonnonononcnoncnoncnn nono noonnc nono ronncon nono non r rn rananconnns 14 6 Mercat in ici 14 6 Admin Merchants Screen ccccccccssesssesseesteeseeeseeeeeeeseecseeeeneennes 14 7 Merchant Entry Field Description eeneenne 14 7 Merchant Profile Screen cccecccecseesseeseceeeceeeeseeeeeceeeeeeeneeeeseeanees 14 9 Merchant Grops iiite ireo en Aa TAR eae 14 11 Adding Merchant Groups cccccssessceseeeseeecesecesecesceeeeeneeeseeesenseenes 14 12 Adding an Unassigned Merchant to a Group 14 13 Transaction S niet hr ne range Due aceite 14 14 VIE ERBE en miese vente 14 14 Using the NCN Support Server to obtain Transaction Logs 14 17 Merchant Statements ita edad 14 18 Current Statements ceanii e e a ek ein ano 14 18 Pending issn roe e E EEE e E RA ARE ARAA 14 19 A RN 14 20 Adjust History Link seessnesnesseenneennennnennennnnenn nn 14 22 ROS iii tddi 14 22 Daily Stats aiii is 14 22 Merchant Stat iS 14 24 A TE 14 24 TO BOUL entrara ie td iD i 14 24 15 Troubleshooting Selection and List of VeriFone Programs for NCN ccsccesccesseeteeteeeteeeteeees 15 1 Program List 2er a o e aE eaa O PO AETA 15 2 Programs for the ZON Jr XL or XL 300 except with IVI reader 15 2 Programs for the XL 300 with IVI Reader neeene 15 3 Programs for the TRANZ 330 ooo eeecceccseescceseceeeeeseesseceeeeeeeeeeeseeese
7. DAY LOC NCHKS d DAY GRP NCHKS d DAY ALL NCHKS d This reports that a number of checks limit has been exceeded for the day DAY LOC AMT d DAY GRP AMT d DAY ALL AMT d This reports that the cumulative face amount of check has been exceeded for the day DAY LOC CASH d DAY GRP CASH d DAY ALL CASH d This reports that the cumulative of cash returned from checks has been exceeded for the day WIN LOC NCHKS d WIN GRP NCHKS d WIN ALL NCHKS d This reports that a number of checks limit has been exceeded for the time window WIN LOC AMT d WIN GRP AMT d WIN ALL AMT d This reports that the cumulative face amount of checks has been exceeded for the time window WIN LOC CASH d WIN GRP CASH d WIN ALL CASH d This reports that the cumulative of cash returned from checks has been exceeded for the time window NCN Training Guide Reason Unpaid Item Messages Table 15 9 Unpaid Item Messages Message Description 2d UNPAIDS LOC One of these three messages appears if a number of unpaids limit has been exceeded LOC has priority over GRP GRP has priority over 2d UNPAIDS GRP ALL 2d UNPAIDS ALL UNPAID AMT 5d This message always follows the above messages and gives the cumulative amount of the outstanding unpa
8. Table 15 2 Programs for the ZON Jr XL or XL 300 Except with IVI Reader Program Name Description JRXLx MICR transactions with check reader input IVI Soricon JRXLDx MICR transactions with check reader input non IVI JRXLMx MICR transactions with manual keying of check data FKXLDx MICR transactions w check reader input non IVI and amount 0 00 ZONIDCx I D based transactions with courtesy card ZONIDDx I D based transactions with driver s license ZONIDPx I D based transactions with phone number ZONIDSx I D based transactions with Social Security number ZNIDCxS I D based transactions with courtesy card check amount amp sale amount ZNIDDxS I D based transactions with driver s license check amount amp sale amount ZNIDPxS I D based transactions with phone number check amount amp sale amount ZNIDSxS I D based transactions with Social Security number chk amt amp sale amt XL789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use Soricon check reader Early dial if Loc 399 1 Sale amount if Loc 397 1 Uses extra Locs 380 399 15 2 NCN Training Guide Table 15 2 Programs for the ZON Jr XL or XL 300 Except with IVI Reader Cont Program Name Description XLD789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll chec
9. NCN National Check Network Nat onal Check Database Reference Manual April 2002 Confidential and Proprietary Data The information contained in this document is confidential and proprietary to NCN ECHO and is not to be reproduced or disclosed in any form without written permission of NCN ECHO NCN ECHO makes no warranties expressed or implied with respect to this documentation The information contained herein is subject to change without notice Revisions may be issued to advise of such changes Trademark Notice Product names have been used only for identification and may be trademarks of their respective companies NCN Training Guide Table of Contents 1 Introduction National Check Network NCN OvervieW cccccccceseessesseceeceeeeeeesseeceeceenaeenes 1 1 NCN Data Base unn aa es 1 1 Transaction OVEVI Wisin tics 1 2 Site Selip snuiiensiniilkeie kn RR iia AE ERAS 1 5 2 Transaction Details Personal Check TransactioWS cccocnonononoconanonanonocinanananonoconanannnannoronananononinss 2 1 Payroll Check Transactions escesesssesseeeceseeseeaeeeeceeceaecaeeaeeeeeeseeaeeeeeeeenees 2 9 DLE State COGS ia 2 12 3 NCN Toolkit Toolkit asta ii aos 3 2 Concise Overview Toolkit Use for File Communication 3 3 Negative File Functions oooocnccncnnnnonncnncnocononcnnonnnnrannnnrncnncnncnnc cnn cnn 3 3 General File Transmission cccccesscssscesce
10. e Hypercom Telecredit Format Limitations e Hypercom Terminal Setup Information for VisaNet Applications Hypercom Terminal Setup Information for Processor Setup Check Reader Settings for the Hypercom Terminal 12 Hypercom Equipment Three models are available from Hypercom the T7 T7E and the T7P The following pictures show the Hypercom terminals T7P Terminal T7E Terminal The T7P has a built in printer Both the T7E and T7P have no RS 232 port to plug ina check reader An additional piece of hardware called the FIP 11 can be purchased for the T7P that allows a check reader to be plugged in Currently RMRS does not have any specially developed programs for the Hypercom Terminal We use an existing Telecredit format that many machines are already set up to handle RMRS has certified directly with Hypercom under the name Rocky Mountain Retail Systems but our certification was done using the existing Telecredit format Whether the processor recognizes the RMRS name or the Telecredit name does not matter Either way in most situations you must rely on the processor to set the merchant s terminal with the proper settings The terminal can be set up for RMRS if the credit card processor is using one of the following Standard Application Check Formats Telecredit is one of them e VisaNet application American Express application see section on American Express 2200 Hypercom Equipment 12 1 Vis
11. for the basic commands and Rule Set Functions for details on all aspects of rule set maintenance Retrieve and process transaction log files created by NCN Using the SFTP program over the internet to retrieve files and use the DOS based toolkit to translate the files downloaded from the SFTP server only into ASCII format if desired and import them into a special data base for further processing Transaction Log Utilities on page 5 1 describes how to create special billing files from the data base that contains transaction log file information Printing a Transaction Activity Report on page 7 1 gives the steps for creating printed reports based on the billing files Building the Compliance Report Database on page 8 1 describes several different compliance reports that use the transaction log file data base and the incremental negative files sent to NCN summarizes the flow of transaction log file information as the Toolkit creates the various files and reports described in item 3 above It shows the sequence of processing steps and the various intermediate results and it gives the references to specific chapters that describe the different steps in detail on page 3 2 summarizes the flow of transaction log file information as the Toolkit creates the various files and reports described in item 3 above It shows the sequence of processing steps and the various intermediate results and it gives the references t
12. using a secondary menu to select specific type and printing Warnings or Declines on roll printer Skip sale amount if Loc x12 not empty Locs x50 x80 for x 2 3 8 Locs 913 941 for x 9 Check reader input can use printer port or PIN pad port 33DLxPT ID based transaction w driver s license and printing Warnings or Declines on roll printer Locs x87 x99 for x 2 3 8 Locs 937 949 for x 9 RMRS330 Full interactive program capable of performing all types of transactions on Velocity PLUS In this table x is any integer between 2 and 9 inclusive Programs for the TRANZ 380 Except for FK38x these programs all prompt for the check amount after getting the MICR or ID Five of them also prompt for the sale amount that is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the program always between 2 and 9 Programs for the TRANZ 380 work for all check readers Table 10 9 Programs for the TRANZ 380 py Description FK38x Same as FK38x SK38x Same as SK33x SK38xP Same as SK33x except check reader input through PIN pad port SKS38x Same as SKS33x SK38xM Same as SK33xM 38IDDx I D based transaction with driver s license 38IDSx 1 D based transaction with Social Security number 38IDCxS 1 D based transaction with courtesy card amp sale amount 38IDDxS I D based transaction with driver s license
13. 2 Select the button to visually select a date to place in the date field 3 Select the Apply Global Change button to change the Adjusted History date Reports There are two submenus listed as Daily Statistics and Merchant Statistics The Daily Statistics shows a report which reflects the daily activity for a date range entered into a search engine The Merchant Statistics reflects the total amount of activity for a date range entered into a search engine Daily Statistics The Daily Statistics shows a report that reflects the daily activity for a date range entered into a search engine 14 28 NCN Training Guide This is a tool designed as an alternative to searching transaction logs You can search by each merchant location and view daily activity 18 x Ele Edt View Favorites Took Help Ea bak gt OA A Qseach Favorites Bristow Er Sp wy QR Address E hitps ww check net ncnsupport defaul php 26 Google y seach web GBRseactsite Brzaeinor Eye MHichicht NCN Support Server Test Agency Brent Smith Logged In agency Daily Statistics amin Eilter Merchant Selection My Admin Report By Select E Merchants Admin Merchants merchant im s Book Shop Merchant Groups E name To Transactions Site Location View Logs gt site Location Enz Pe seca one ae View individual tr
14. 5 Select the Update button 6 Underneath the Processing Fees area Select this checkbox if its decided NOT to edit or add the this fee profile from the merchant profile setup location 7 Create your fee structure and range of fees by placing a maximum transaction amount discount rage and a Fee per Transaction FPT in the appropriate fields Once all options for the range are entered press the Update button The chart will update with the fee structure created 8 Select the Return to Standard Fee Profile Management button at the top of the page to return to the main Fee Profile screen The new Fee Profile is shown underneath the Standard Fee Profile section This fee profile is ready to select when a new merchant is setup y NOTE When there is a need to edit this profile select the blue hyperlink name of the Fee Profile This advances you to a new screen to enter necessary changes Admin Menu The Admin menu contains two submenus Users and My Admin Users The Users submenu allows the Agency Administrator and any other users with permission to set up authorized users to use the NCN Support Server Click on Users to open a screen that contains a list of all authorized user names for the NCN Support Server as shown below Support Server 14 9 User Accounts Screen Y NOTE New Users can be added only by the Agency Systems Administrator or users who have permission to do so Permission is
15. ERR_BAD_REMOVE 32 ERR_FOR_WITHOUT_NEXT 33 ERR NEXT WITHOUT _FOR 34 ERR_GOSUB_TOO DEEP 35 ERR_RETURN_WITHOUT_GOSUB 36 ERR_INDEX_OUT_OF_BOUNDS 37 ERR_ARRAY WRONG_DIMENSION 38 ERR_DIMENSION_TOO_LARGE 39 ERR_FILE NOT OPENED 40 ERR_FILE NOT_OPEN 41 ERR_BAD FILE NUMBER 42 ERR_BAD_LINE_NUMBER 64 ERR_OUT_OF MEMORY 65 ERR BAD VERSION 66 ERR PROGRAM CORRUPT The following table gives the same information for syntax errors listed in order of increasing severity Table 9 2 Syntax Errors Error Number on Terminal Interpretation 128 ERR CONSTANT OVERFLOW 129 ERR EXTRA CHARS 130 ERR LINE NUM_TOO BIG 131 ERR MISSING LINE NUM 132 ERR MISSING ASSIGNMENT 133 ERR MISSING COLON NCN Training Guide Table 9 2 Syntax Errors Cont 134 ERR_MISSING_GOTO 135 ERR_MISSING_THEN 136 ERR_MISSING_TO 137 ERR_MISSING_QUOTE 138 ERR_MISSING_PAREN 139 ERR_WRONG_ARG_TYPE 140 ERR_WRONG_EXP_TYPE 141 ERR_NOT_STRING_VAR 142 ERR_NOT_NUMERIC_VAR 143 ERR_EXP_TOO_COMPLEX 144 ERR_BAD_FOR_VAR 145 ERR_BAD_VARIABLE 146 ERR_BAD_OPERAND 147 ERR_BAD_ SUBSCRIPT 148 ERR_BAD_ STATEMENT 149 ERR_UNEXPECTED_EOS 150 ERR_SYNTAX ERROR 151 ERR_STATEMENT_TOO_LONG 192 ERR_NO_OPEN_ PROGRAM 193 ERR_PROGRAM_TOO BIG 194 ERR
16. Each such case must be analyzed to determine if this is possible There are many different programs for credit card authorization of widely varying size Some of them store transaction in the TRANZ 330 memory and others do not Depending upon the size of the existing program and other requirements for memory it can be very difficult to merge it with the RMRS code The following list summarizes the different VeriFone terminals showing capabilities limitations advantages and disadvantages Moving down through the list functions that appear at one stage are not re listed for more advanced terminals even though they exist In general assume that each terminal has the functions of earlier terminals plus the items specifically listed for the terminal Verifone Terminals 10 1 Verifone Terminals Models Four terminals are available in the Verifone models The following paragraphs describe each model ZON Jr PLUS No check reader input ID based transactions or manually keyed MICR transactions only Manual entry of alphabetic characters very awkward Communicates at 300 Baud Cannot combine credit card and check verification no partial download Credit card transactions more costly due to lack of draft capture capability Very inexpensive and widely available on used market ZON Jr XL Handles check reader and printer Can perform MICR based or ID based single packet transactions Communicates at 300 Baud Can combine credit cards
17. On the VeriFone program the clerk initiates the transaction by pushing a different key on the VeriFone terminal the exact key depends upon the program in use The terminal prompts for the MICR data which can be read by a check reader or keyed in manually The terminal automatically prompts for the amount of the check and usually the amount of the sale which frequently is zero Using these data the system first checks the account type If the account is known to be a personal checking account or if the account is unknown the next action depends upon the rule set used for this transaction If the rule set does not require manager approval for payroll accounts the system identifies an unknown account automatically as a payroll account or process a personal check as a payroll account If the rule set requires manager approval for new payroll accounts the system displays a message NOT PAYROLL ACCT and refuses to process the transaction For these cases requiring manager approval the manager must run a special transaction using a different key on the VeriFone terminal to register approval of the account as a payroll account Transaction Details 2 9 The system checks its data base to find out if the ID is known and authorized to cash payroll checks at this location If it is not known or authorized the system adds it automatically if the location has authorized this option to occur without manager approval If manager approval is requir
18. Section 4 NCN Rule Set Maintenance contains a detailed list of these numbers NCN site number This number was assigned to your agency by Rocky Mountain Retail Systems when you became a member of NCN It is used to tag your contributions to the database and must also be placed in the VeriFone terminals at your customer locations so that verification transactions can be tagged with your site number see note following item 2 for additional information Rule set number This must be a number between 1 and 9999 This number must placed in the VeriFone terminals at your customer locations and causes verification transactions from that terminal to be evaluated using that set of rules The rules are primarily limits placed on check passing activity face amount of checks etc The first field of any verification request packet sent to NCN must contain a terminal ID sometimes called merchant ID that includes an NCN site number a merchant number and a rule set number Following is a valid terminal ID 3718 812759 22 In the above example 3718 is the NCN site number 812759 is the merchant number and 22 is the rule set to be applied to transactions from this terminal The merchant number may be freely assigned by an NCN site and can contain from 1 to 6 digits Terminal idle prompt This field of 16 characters is displayed by VeriFone terminals except the ZON Jr PLUS when a terminal begins a check verification tran
19. Select Print Merchant Set to print reports only for merchants that have an entry in the Merchant Table with a matching Set Number 3 Select Print Next Merchant to print all merchants one at a time This is a test mode not meant to be used for production printing Transaction Activity Report Writer 7 1 Merchant Table Management Click on MerchantTable to bring up the Merchant Information View Edit dialog box Merchant Table Maintenance on page 8 5 for additional help in utilizing this feature Miscellaneous Under the Options menu there are two selections 1 Print Zero Amounts controls the treatment of zeroes in the detail lines of the transaction activity reports If this is checked then zeroes are printed If it is not checked then such entries are left blank 2 Show Diagnostics when checked causes the display of all printer fonts and the selected printer fonts after Printer SetupPrinter has been executed It is not likely that this option is ever needed Its there only to show why a given printer has no suitable font for use Although it is unlikely that it is ever needed it is possible to view and edit the ASCII billing files Click on BillingFileOps Edit Billing File to bring up an edit menu Return to this menu list to save or rename or cancel the edit session NCN Training Guide NATIONAL CHECK NETWORK Section Compliance Report Generator In this section Building the Compl
20. TERMINAL Figure 1 1 Sketch of check verification information packets Site Setup Each NCN site must provide certain data before using the system for check verification These data include Agency name 16 characters Any decline at the point of sale due to unpaid checks provided by a member of NCN results in a decline message which includes the contributing member s name and phone number for the customer to call The name must be a maximum of 16 characters including spaces Agency phone number As mentioned in item 1 each decline for unpaid checks provided by a member of NCN results in a response packet which includes a phone number for the customer to call to obtain information regarding the decline or arrange payment In return each NCN site receives some standard information NCN site number This number must be used as part of the merchant ID on all transactions from a point of sale and associated with all returned checks provided to NCN VeriFone download ID This number is used for all downloads of VeriFone programs using the service provided by NCN Introduction NCN Training Guide rss NATIONAL CHECK NETWORK Section Transaction Details In this section e Personal Check Transactions e Payroll Check Transactions DL State Codes 2 Transaction Details Personal check transactions follow different strategies than payroll check transactions and both are closely intertwined with
21. Terminal ID structure include the dashes Table 11 3 Terminal ID Ruleset Entry XXX Yyyyyy Zzzz aaaaaaa XXX Host number yyyyyy Merchant number ZZZZ RuleSet number from 1 to 9999 aaaaaa Optional Affinity Group Mandatory in credit card transactions Y NOTE Ignore the Affinity Group if not performing credit card transactions Terminal operational reference instructions Customer must close the batch and transmit SUMMARY transaction Some RDM Check readers do not have a built in modem and will not be able to load images to the FTP server These check readers can be identified by the serial number and lack of telephone jack There are two Merchant_ID s one for verification and one for truncation To get 2nd copy with disclaimer Esc 3 6 2 Nurit Terminals 11 5 Using Drivers Licenses Magnetic Driver License can be swiped in the Nurit Terminal when the terminal is asking for DL ID following by the prompt for state code The default two letters state code is interpreted from the DL track2 If the program could not recognize the state it displays the default state from the merchant parameters Table 11 4 States using considering the Mag DL as of 2 2002 State Names Arizona Colorado Louisiana Missouri Newfoundland Pennsylvania Arkansa
22. The check sequence number matches a range stopped by the account owner used in the case of lost checks YOUNG ACCOUNT The rule set has specified that previously unknown MICR accounts be placed in a new category with alternate limits applied This message indicates that the account is still in that new period 15 16 NCN Training Guide REASON ID PROBLEM MESSAGES The following messages appear only if an ID was in the request packet Table 15 12 ID Problem Messages Message Description ERROR IN ID There was a format error in the id ID IS FLAGGED The ID is associated with a checking account that has a problem or the ID has been flagged by the merchant or system operator as one that should not be accepted UNKNOWN ID The ID keyed could not be found in the database This message appears only if double entry of ids was selected in the tender sequence options Reason Payroll Check Messages Table 15 13 Payroll Check Messages Message Description PAYROLL NEEDS ID The request packet did not include an ID which is a requirement to process a payroll check verification request NO PAYROLL CHKS The maximum amount of a payroll check was set to zero in the rule set to indicate that this merchant does not cash payroll checks PAY CHK TOO BIG The merchant set limit on payroll checks has been exceeded DUPLICATE CHECK This p
23. Unfortunately this step is required even if you use a check reader that reads the number automatically If the check does not have the check number in the MICR line the system uses the manually entered number The terminal responds with the prompt ENTER CHECK ACCOUNT Feed the check into the reader or key in the MICR data manually Ifkeying data manually you must include both the ABA routing number and the customer s checking account number with no spaces or punctuation Press ENTER at the end of manual keying Once the terminal has received the check account data it immediately starts dialing The terminal responds with the prompt AMOUNTS0 00 12 8 NCN Training Guide 4 Key in the amount of the check omitting the decimal point As you key digits it replaces the 0 00 that initially appears in the display 5 Press the ENTER key when finished The terminal displays the sequence of messages shown below as it communicates DIALING NOW PROCESSING NOW The terminal ends by beeping four times and displaying the response If the check is approved the first line of the display is the Idle Prompt used by Verifone terminals and the second line contains the approval code If a warning or decline condition occurs the first line contains WRN or DEC followed by the first reason for the problem and the second contains the second reason if there is one for the warning or decline Hypercom Termi
24. Y NOTE The XL300 uses the same programs as the ZON Jr XL EXCEPT when used with an IVI MR 1000 check reader that requires a special cable and a special program Program List In the lists that follow please note the distinction between check amount and sale amount All programs with the exception of FK33x and FK38x ask for the check amount Few users want sale amount except supermarkets who return cash to the customer Programs for the ZON Jr XL or XL 300 These programs all prompt for the check amount after getting the MICR or ID Four of them also prompt for the sale amount that is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the program always between 2 and 9 Table 10 6 Program List dei Description JRXLx MICR transactions with check reader input IVI Soricon JRXLDx MICR transactions with check reader input non IVI JRXLMx MICR transactions with manual keying of check data FKXLDx MICR transactions w check reader input non IVI and amount 0 00 ZONIDCx I D based transactions with courtesy card ZONIDDx I D based transactions with driver s license ZONIDPx I D based transactions with phone number ZONIDSx I D based transactions with Social Security number ZNIDCxS I D based transactions with courtesy card check amount amp sale amount ZNIDDxS I D based transactions with driver s license
25. YES to set the scope of approval required Note that you cannot change 13a 13b or 13c to NO you must set the desired option to YES and the others are automatically change to NO Use 13d to determine whether such approval is automatic or requires a manager 13d Manager required to approve payroll ID This option selects whether manager approval is required before an ID can be used for payroll check cashing If such approval is required the manager must use a specially programmed VeriFone terminal to communicate an ID approval packet to NCN If manager approval is NOT required then any ID submitted in conjunction with a payroll check transaction is automatically approved at the level specified by option 13a through 13c 13e Manager required to approve payroll account This option selects whether manager approval is required before an account can be used as a payroll check If such approval is required the manager must use a specially programmed VeriFone terminal to communicate a payroll account approval packet to NCN If manager approval is NOT required then any account is accepted as a payroll account Unpaid check limits This group of options sets limits on the number of outstanding unpaid checks that are tolerated Only in very unusual circumstances would a number other than 0 be used here In fact these options may be left blank in which case the default is 0 Federal Reserve list The first 2 digits of the transi
26. amp sale amount 38IDPxS I D based transaction with phone number amp sale amount 38IDSxS I D based transaction with Social Security number amp sale amt In this table x is any integer between 2 and 9 inclusive 10 28 NCN Training Guide Table 10 9 Programs for the TRANZ 380 Cont SP38789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use check reader Soricon Early dial if Loc 923 1 Skip sale amount if Loc 712 1 Uses extra Locs 913 923 SPMDL8x Always gets both MICR any reader plus driver s license and check amount never gets sale amount Uses Locs 914 921 regardless of key SPxPYR8 Same as SPxPYRL MF38xPT Same as MFxPNTR 380 Full interactive program capable of performing all types of transactions on Velocity PLUS It uses the entire terminal and does not coexist with any credit card program RMRS380 Full interactive program capable of performing all types of transactions on Velocity PLUS It uses the upper half of the terminal memory non split key and can coexist with any credit card program that uses only the lower half of memory Locs 0000 0999 In this table x is any integer between 2 and 9 inclusive Programs for the TRANZ 340 Table 10 10 Programs for the TRANZ 340 Program Name Description RMRS400 Credit card transactions into MAPP network using
27. check amount amp sale amount ZNIDPxS I D based transactions with phone number check amount amp sale amount ZNIDSxS I D based transactions with Social Security number chk amt amp sale amt XL789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use Soricon check reader Early dial if Loc 399 1 Sale amount if Loc 397 1 Uses extra Locs 380 399 In this table x is any integer between 2 and 9 inclusive 10 26 NCN Training Guide Table 10 6 Program List Cont XLD789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use non Soricon check reader Early dial if Loc 399 1 Sale amount if Loc 397 1 Uses extra Locs 380 399 In this table x is any integer between 2 and 9 inclusive Programs for the XL 300 with IVI reader The XL 300 requires a special cable for IVI reader Table 10 7 Programs for the XI 300 with IVI reader Program Name Description XL300 MICR transactions with check reader input Soricon XL3789 Same functions as XL789 Programs for the TRANZ 330 Except for FK33x these programs all prompt for the check amount after getting the MICR or ID Five of them also prompt for the sale amount that is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the prog
28. check paid information gets to NCN for incorporation in the database We call the files that contain these records negfiles a concatenation of negative files It s also the way that rule sets are added and changed Question How do I send a negfile to NCN Answer Switch to the Toolkit subdirectory type cd NCN Type negfile a negs myname net Question I notice that when I send a negfile to NCN that it does some kind of compression and also renames the file from the one I provided on the command line to some other name What s going on here Answer Negfiles are always compressed for speed of transmission and because NCN expects them to be compressed The name is changed to include your NCN site number and an extension that is incremented for each negfile transmission so that negfiles aren t accidentally overwritten Question I tried to send a negfile to NCN and it refused to accept it with a message that some file or other had to cleared What s that mean Answer A previous negfile contained one or more errors The erroneous records are are dealt with NCN continues to refuse new negfiles This is done to ensure that adds and deletes are performed in the correct order The offending files were automatically sent back to your computer when the new negfile was refused You must correct these files and resubmit Format exception corrections should be submitted before purge exception corrections when both are p
29. set requires it y NOTES This program prints a receipt on everything not just the declines This program handles either hand keyed MICR or data from a Mag Tek Mini MICR check reader This program handles hand keyed Driver s license or electronically swiped DL when available RMRS Check Service Manual Entry Option 1 Display Message Operator Action READY XXX Press Check key JAN 04 99 MON 12 00P s s s CHECK RMRS Key in the micr number SLIDE CK OR KEY MICR s s s ENTER MICR NUMBER Press ENTER once micr number is entered s s s ENTER CHECK Key in the check number and press ENTER s s s AMOUNT OF SALE Key in the sale amount and press ENTER 0 00 s s s 13 4 NCN Training Guide Terminal Displays Several messages AUTH NUM nnn nnn s s s ERROR IN MICR PRESS TO SCROLL The terminal will dial into the host and send A response back to the terminal If the transaction is approved you will receive An approval If the transaction is declined or there is an Error a receipt will print and you will be able To press the key to view Dassault AT Terminals 13 5 13 6 NCN Training Guide NATIONAL CHECK NETWORK Section Support Server In this section e
30. the check is authorized The next few paragraphs explain these two figures in more detail MICR based personal check transactions always use the MICR account number the merchant ID site number location number and rule set number and the check amount as input information Depending upon selected options other input data include the sale amount and a customer ID NCN uses the MICR account number to access existing information from its data base for the account status recent transaction activity and associated I D s Figure 2 1 on page 2 3 shows how all these data are processed to generate the four warning conditions Transaction Details 2 1 MICR transaction activity Figure 2 1 on page 2 3 includes all personal check transactions within the velocity window from all locations on the NCN system Many merchants place more emphasis upon transactions actually conducted at their store location Therefore the system includes a location filter to select only those transactions that occurred at the location identified with the current transaction Y NOTE in this text the word location refers to a specific merchant location Specifying such a location requires both the site number and the location number Thus for example the account in question might have had seven transactions on the system within the velocity window but only two of them were at the specific location conducting the current transaction In this case the
31. 0 00 that initially appears in the display Press the ENTER key The terminal displays the sequence of messages shown below as it communicates DIALING NOW PROCESSING NOW The terminal ends by beeping four times and displaying the response If the check is approved the first line of the display is the Idle Prompt used by Verifone terminals and the second line contains the approval code If a warning or decline condition occurs the first line contains WRN or DEC followed by the first reason for the problem and the second contains the second reason if there is one for the warning or decline American Express 2200 Terminal The American Express 2200 Terminal is just the name that American Express has given to the Hypercom T7P terminal they sell that is loaded with their software Like any other Hypercom terminal we are certified with American Express using the old Telecredit format with either ID only Driver s License or MICR only The program is the Standard Check Applications module and works the same as it is described in the Hypercom Terminals section of this manual When setting up a merchant you need to call the American Express Setup Department at 800 528 0682 You need the following information so they can setup the merchant with check verification The American Express Merchant number for this merchant RMRS can be listed with American Express If not just have them set the terminal up for the Te
32. 4 Kon el erchant Filters for Searching Adjust History for merchants or groups El Reports Daily Statistics Merchant Statistios y ER jerchant Name w Merchant ID Phone Processing Fee Minimum Fee Other Fees Taxes Total Charges Brents test merchant 10021 0 00 0 00 0 00 0 00 0 00 DianeBinder test10 0 00 19 99 0 00 1 42 21 41 Francie s Test Shop test 1 0 00 0 00 0 00 0 00 0 00 Jim 65306 333 1 0 00 0 00 0 00 0 00 0 00 Jim s Book Shop 1015 360 403 3157 282 10 19 99 25 99 17 89 325 98 Mark s Bookmarks 1234567890 123 456 7890 0 00 10 00 0 00 0 80 10 80 le Home le Logout Drop down list box for choosing date range of statements 4 13 9 Internet Figure 14 12 Statement History screen Support Server 14 27 Adjust History Link The Adjust History link is used to change the end date of the most recently archived statement period This change adjusts and recalculates all merchant statements and all merchant group statements within this period A NCN Support Server Microsoft Internet Explorer laj xj WEE HBack gt O GB Aseseh Favores Bristow Er E wy Q Address hups 2ww check net nensuppor defaul php Go J Google E Search Web Seach Site E Pagelrio up MHichlioht NCN Support Server Test Agency Brent Smith Logged In RA Adjust History al Profile Filter El Admin Users My Admin Merchants Name El Merch
33. 4 Run the special HOST PORT CONFIG check supplied by Checkmate through the reader to place it in the programming mode 5 Press D to download the highlighted program 6 Remove the cable from the check reader and connect it to the terminal Make sure to cycle power on the reader to take it out of configuration mode Verifone Terminals 10 11 IVI formerly Soricon MR 1000 This reader has a set of 8 switches on the rear that configures it to produce the appropriate output for the system To install the IVI MR 1000 checkreader The required settings are BAUD RATE 1200 PARITY EVEN DATA BITS 7 STOP BITS 1 TRANZ terminals Set the switches to the following positions SW 4 SW 5 SW 8 UP SW 1 SW 2 SW 3 SW 6 SW 7 DOWN VeriFone ZON Jr XL terminals Use a bi directional communications protocol to achieve a handshake and query response mode The MR 1000 check reader can communicate in this mode but it requires different switch settings Set the switches to the following positions SW 4 SW 5 SW 6 SW 7 SW 8 UP SW 1 SW 2 SW 3 DOWN IVI formerly Soricon MR 2x00 The MR 2100 and the MR 2300 use any standard terminal emulation program such as CrossTalk or Procomm to set up the reader The reader has a multitude of options including preambles formats communications parameters etc IVI has a manual that documents the procedure for this configuration Alternately IVI can supply special configuration checks that progr
34. 99 inclusive and rule set item 23 Group set must be specified as well 15 6 NCN Training Guide Point of sale options affect what is shown on the terminal display at the completion of a verification transaction 5a Return reason list Selecting this option makes detailed information available at the point of sale terminal whenever a check is not authorized Thus in addition to either a warning or a decline message scrolling the terminal displays more detail such as which limits are exceeded the break down of unpaid checks by site location site group and total system the name and telephone number of the agency or agencies that holds any unpaid check items etc 5b Require ID if none Selecting this option causes the NCN system to examine whether the MICR account specified in the verification request packet has at least one ID associated with it If it does not and the verification request packet from the POS terminal did not include an ID then the transaction is refused with a message returned to the terminal stating ID IS NEEDED At this point the transaction must be repeated using a key that allows an ID to be entered as part of the transaction This option should ONLY be used when the point of sale terminal has the capability of prompting for an ID and including this in the verification request packet Single transaction limits apply to amounts involved in an individual verification request 6a Amount requiring I
35. Checkreader you must employ a Y cable Password access to Functions 7 and 8 is 1 6 6 8 3 1 FUNC ENTER XL 300 The Verifone XL 300 in order to work with a checkreader must be EPROM release number 1 25 or higher When using a Printer and Checkreader you must employ a Y cable Password access to Functions 7 and 8 is 1 6 6 8 3 1 FUNC ENTER 10 4 NCN Training Guide Table 10 2 Verifone EPROM Minimum Requirements Verifone Terminal Type EPROM Minimum Requirements TRANZ 330 The Verifone TRANZ 330 in order to work with a checkreader must be EPROM release number 2 1 or higher When using a Printer and Checkreader you have the option of employing the 6 Pin PIN Pad port for checkreader use Password access to Functions 7 and 8 is 1 ALPHA ALPHA 6 6 8 3 1 FUNC ENTER TRANZ 380 The Verifone TRANZ 380 in order to work with a checkreader can be any EPROM release number When using a Printer and Checkreader you have the option of employing the 6 Pin PIN Pad port for checkreader use Password access to Functions 7 and 8 is 1 ALPHA ALPHA 6 6 8 3 1 FUNC ENTER All memory locations in the TRANZ 380 contain 4 digits instead of 3 as on the other terminals Therefore you need to add a leading 0 zero in front of all address locations Example 200 would be 0200 019 would be 0019 etc TRANZ 380 X2 The
36. Device Users My Admin Agency Test Agency as Marcha ts Admin Merchant Jim s Book Shop 1015 Merchants Merchant Group Arizona 103 Merchant Groups gite 65305 E Transactions Location 1 View Logs Rule 1 E Merch Statements Rule Set Group 1 Current Pending Check History MICR t123123123t 0043660 1057 Adjust History Routing Number 123123123 5 Reports D Account Number 004366 aily Statistics Merchant Statistics Check Number 1057 Home Check Amount 1 02 le Logout Cash Back 0 00 Transaction Processing Verify Result Authorized Date 10 18 2002 Time 10 13 02 Type N Personal Check MICR Condition F First Presentation Back E Done 18 1 Internet Figure 14 10 Viewing a Transaction Detail about and individual transaction Using the NCN Support Server to obtain Transaction Logs Once the NCN support server account is setup and accessible the user is able to view and download transactions logs To do this perform the following steps 1 Select the transaction View Logs link on the left panel 2 Enter the appropriate information to view logs Include the date range of which you would like to view Select search Refer to View Logs on page 14 20 for more information to obtain logs 3 Once transactions logs are listed select the Download All Records button at the top of the screen This displays a window in which you ll be able to download these transactions onto your personal co
37. Diagram showing sequence of steps in processing transaction log files Toolkit Installation Install the programs in the order given below The instructions assume that the programs are being installed to hard drive e from floppy drive a The Toolkit software requires Windows 95 98 ME or Windows NT in order to operate All of the Windows programs are 32 bit programs and does not run under Windows 3 x To install the Toolkit 1 Insert the DISK 1 into the a drive 2 Click on START then RUN and enter a setup in the dialog box 3 Insert additional diskettes when prompted 4 At the end of the installation you must apply the CONFIG disk Insert the fourth disk into the floppy drive and from the RUN dialog box type a config a c It copies a single file fcomparm dat that is necessary for making connections to the NCN system Y NOTE The disk set has been customized with site specific data already set properly for your site in the file fcomparm dat In unusual cases it may be necessary to modify this file by typing edit e NCIS fcomparm dat to change com port phone number etc NCN Training Guide The file feomparm dat contains parameter information used for making and controlling a modem connection and a couple of other parameters that control printing The typical contents of that file are shown below only the first two fields are read with the remainder treated as a free form comment comport 2 Set
38. E ort Merchant Filters for Searchin Merchant Statistics D Binder test10 bios i ox112 for merchants or groups le Logout Domminos 102 Francie s Test Shop test 1 Jim 65306 333 1 Jim s Bar 101 505 293 3141 Incomplete Merchants Jim s Book Shop 360 403z Jim s Cafe 505 998 3141 Jim s Gym 1021 505 293 3141 Jim s Theater 103 505 998 3141 Joe s Cantina 6969 505 342 5555 i Completed Mark s Booki Mary s Shop 100001 Merchant sl a er A 19 Internet A ll laa MA Cr Camias LA Figure 14 11 Current Statements Screen 14 24 NCN Training Guide The Current merchant statements reflect transactions processed prior up to approximately fifteen minutes of live transactions on the current day 5 date of business 1 To access Merchant Group Statements select the Current link under the Statements menu item 2 Select the merchant in which to review their statement A new screen appears in Adobe Acrobat that displays the current statement y NOTE A merchant is highlighted in yellow light blue or green indicates a problem in the way the Merchant Profile is setup in regards to the required files The results in the statement do not reflect any transaction or billing amounts until these merchants are setup and completed Pending The pending statement section reflects an adjustment windows before the statements are automatically placed in the history section or archived There is room for adjustment in the statement tot
39. If this happens press 2 The download process proceeds automatically with a sequence of messages DIALING terminal dials download computer WAITING FOR ANSWER terminal waits for computer to answer COMMUNICATING terminal sends its request to computer BER download proceeding with dashes replaced by asterisks each representing 10 completion DOWNLOAD COMPLETE download completed terminal ready to use 6 Enterthe NCN verification ID in address x04 where x refers to the specific single key program downloaded This ID includes three pieces of information separated by dashes The site number assigned by RMRS The merchant location number assigned by each NCN member to each of its merchants The rule set number to be used for the transaction It has the format lt site number gt lt merchant location number gt lt rule set number gt The verification ID is used to access the specific rule set as described earlier Follow the store data procedure described Store data in a location on page 10 6 7 Restore the credit card data in locations 000 001 and 019 that were recorded in step 3 on page 10 10 Use the standard store data procedure and be careful to key in alphabetic characters as necessary 10 10 NCN Training Guide The most difficult part of this procedure is ascertaining a set of unused single key locations This is more difficult than necessary due to widely varying degrees of cooperation by credit card p
40. Maximum cash back This sets the maximum cash that can be returned This option is only usable when the point of sale terminal prompts the clerk for both the check amount and the sale amount Only then can cash returned be calculated Single day activity limits are used to set limits on the cumulative number or amount of transactions for a specific account for the current day Which transactions are added together can be unrestricted from anywhere restricted to transactions from a particular site group set tightly restricted to transactions from a particular site location e The personal check activity window option sets the number of days of information that are to be included in measuring the activity often this is referred to as velocity of an account This can be set from 1 to 14 days A setting of 1 includes only today s activity A setting of 2 includes today and yesterday Personal check window limits are applied against the cumulative activity that has occurred on an account during the activity velocity window specified by rule set item 8 Maximum payroll check amount Sets the maximum face amount of a payroll check that is accepted Payroll activity window Set the activity window for payroll checks Sets limits on payroll check cashing activity accumulated within the activity window set by item 11 Y NOTE Payroll check cashing activity is accumulated against the ID that is presented as a
41. PQ SK YT Transaction Details NCN Training Guide Section NCN Toolkit In this section e Toolkit Installation e Rule Set Functions e Review Results of any Communications Action Review Results of any Communications Action Exception Files 3 NCN Tool Kit All members of NCN need to transfer daily negative file updates to the NCN computer The NCN Communication Toolkit is provided to satisfy this requirement and provide other capabilities as well This chapter explains how to install and use the basic Toolkit Toolkit Installation covers installation of the Toolkit Concise Overview Toolkit Use for File Communication provides a concise overview of the use of this Toolkit Exception Files gives important information regarding exception files It is critical that NCN users understand this section Frequently Asked Questions gives miscellaneous information in a question and answer format Rule Set Functions and beyond must be consulted if rule sets transactions logs billing files and compliance reports are to be manipulated The Toolkit performs the following functions Send negative files to NCN and retrieve any resulting exception files General File Transmission for the basic commands see Exception Files on page 3 4 for more information on the exception files Create retrieve modify and send rule sets into NCN General File Transmission
42. SE 20020703 ngb NF00774 668 NCIS 157B 0 Complete 2003 01 20 14 06 24 Jim Darden urrent a You are currently using 25 of your 250 MB of file space es elect to Submit Negfile to NEN Reports Daily Statistics Merchant Statistics de Sven Select to Retrieve Negfiles Management Neg Files e Home Logout Select to view any file on file je ee Y E Done IT Intemet Figure 14 15 Negative File Submission Management and Deletion Under the submenu of Add Negative File type in the filename to upload or press the Browse button to locate the file on your local workstation Underneath the option menu there are two file types to select a Daily Daily describes a changed file since the full upload of a complete database negfile This selection is default and will apply most of the time unless the agency has had a recent cleaning of their database and needs to resend a full database b Refresh This is a full database negfile Use this option only if your database is purged on the system after a cleaning by the staff in Boulder Select Daily or Refresh and then the Upload file button Y NOTE Files cannot be larger than 32 MegaBytes in size to process with the NCN system If an agency has a file more than 32 Megabytes it can be split up and submitted as differential files to the system Filescope options Apply file to NCN Authorization System Default Local copy for reporting only to b
43. Subgroups Sites Agency Site Number Location Number Merchant Number i e Merchant ID number Table 14 4 Transactions Check Filters Field Name Field Description Routing Number The Routing ABA number of the bank on which the draft electronic check is drawn Account Number Customer s Account Number Check Number Customer s check Serial Number Check Amount Transaction dollar amount 14 20 NCN Training Guide Table 14 4 Transactions Check Filters Field Name Field Description Between or exact Allows the support server to search within a dollar amount range And optional Allows the support server to search within a dollar amount range Table 14 5 Transactions Check Writer Filters Field Name Field Description Issuing Identity State of issuing Identity ID Number Identification number on ID ID Type Driver s License Social Security Number Courtesy Card Table 14 6 Transactions Transaction Processing Filters Field Name Field Description Transaction Number Sequential number assigned by NCN to transaction POS Response There are three classes of response AUTH Authorized or accepted WRN Warning to Merchant this check or its face amount is beyond that Merchant s or that Customer 5 limit for that day DEC The check has been declined for va
44. The Compliance Report Generator therefore permits unmatched data fields under conditions that can specified by the user For each type of search described in section 9 2 1 it is possible to specify which data fields to test for matches and the minimum match score that is to be considered acceptable To specify NCN Training Guide these conditions click on Options Select Match Items and then either MICR Lookup or ID Lookup or Site Merchant Lookup This brings up a panel with check boxes for the various data fields and a spinner that allows the minimum match score to be set Changes made here are retained from session to session When doing a MICR Lookup the matched information includes the MICR number by default Similarly for an ID Lookup the matched information includes the ID but not the MICR number When doing a Site Merchant Lookup neither the MICR nor the ID gets included in the matched fields This partial match capability has much more power than might appear at first glance We have found it useful in the following areas It discloses keyboarding errors by clerks during manual entry of MICR number or IDs It discloses assignment of returned items to the wrong merchant This one is so valuable that a special report of mismatched merchant numbers has been provided It discloses terminals in the field that have been programmed with the wrong merchant number We make the following recommendations regarding
45. To Other NCN Programs The IVI CM 3000 terminal running this NCN program can be set up to behave like most of the existing NCN programs for the TRANZ 330 terminal The following list explains how to set up the terminal to run like several of the commonly used programs on the TRANZ 330 Refer to Appendix A of either the Velocity PLUS or the NCIS manual for an explanation of these programs Unless otherwise noted the sale amount option should always be disabled The following list shows that the single program for the CM 3000 can appear like any of several programs for the TRANZ 330 without downloading anything additional Simply change the configuration to achieve the desired transaction While these configurations prompt for the same information as the corresponding TRANZ 330 programs they have considerably increased ease of use due to several of the automatic features in the CM 3000 program NCN Training Guide MFxPNTR Enable all three transaction types check amount and the printer SPxPYRL Enable all three transaction types and check amount Disable the printer e SK33x Enable only the first transaction type personal check without ID and check amount Disable the other transaction types and the printer e SKS33x Enable only the first transaction type check amount and sale amount Disable the printer FK33x Enable only the first transaction type Disable the check amount and the printer e SPMDLx Enable only th
46. Unit Config Mode nene 9 1 Perform a Program Download from The NCN Terminal Program System 9 2 Setup Mode dai 9 3 Configuration Mode ccccecccessecssecseceseceeeeeseeescensecsseceseeeseeeseceseceeeeeaeesaessaeens 9 5 NCN Training Guide Equivalence To Other NCN Programs 9 6 Terminal Error Messages sormeen iii i EE E E A E 9 7 Terminal Features iii dd 9 9 Troubleshooting the CM3000 Terminal ooononinnninconocnnonnnonconnconnconncononanonanoos 9 11 10 Verifone Terminals Verifone Terminals Models seenenneneessensennennennennnnnnnn nn 10 2 ZON TI PEU tia seen 10 2 LON IEA atan Re 10 2 AE ln da da 10 2 MRANZ Ita deci eats 10 2 TRANZ Oi A 10 3 TRANZ ISO NN A ieaas eet 10 3 OMNL380 480 Oia ie iaa 10 3 Basic Operation of VeriFone TerminalS oooonccnoccnicnnocnnonononocononanonanonancnn noo 10 3 Verifone Terminal EPROM Versions ccsccesccesseesseeeceeceteeeeeeeneeeseessens 10 4 Examine a memory location ccccccesceesceecseseeeteeseceeeeeseecseenseceseenseeeseessees 10 5 Store data Ina location nes alpinen eu cede 10 6 Downloading of Single Key Programs to the Terminal 10 8 Verifone Terminal Check Reader Configuration 10 11 CHECK Mate y ia 10 11 IVI formerly Soricon MR 1000 ccc ccessecetecescseeeeeeeeeeeeentecneeeeteeenes 10 12 IVI formerly Soricon MR 2x00 usensensessneesnesneeensenneennennnne essen 10 12 IVI Chec
47. Verification Result Messages Failed The following result messages indicate why a verification request cannot be satisfied ID IS NEEDED This transaction cannot be completed without an ID included in the request packet This occurs if either the rule set has a limit set that requires an ID or the MICR account is associated with an ID that is flagged If an associated ID is flagged the transaction must be repeated with an included ID so that the actual ID belonging to the check presenter can be tested ERROR IN MICR Either a was found in the transit or on us field for machine read check or the transit field check digit US checks only was found to be in error Note that the transit field check digit is tested for both manual entry and check reader entry for US checks NO MICR GIVEN A MICR number was not found in the request packet NO CANADIAN CHKS A Canadian check was detected by the dash in the sixth position of the transit ABA field and the system is set to reject same AGENCY UNKNOWN The terminal ID referenced an NCN agency number site number that is not valid AGENCY PROBLEM The terminal ID referenced an NCN agency number that is defined but has been set to refuse transactions by NCN management SYS ERR RETRY Some error usually transient in the system operation has been detected SYS BUSY RETRY System is too busy to respond within 20
48. Verifone TRANZ 380 X2 has the same features as the regular TRANZ 380 but with twice the chip capacity It has a dual chip hence the name X2 The only additional information you need to remember is the extra download step explained on page TRANZ 420 460 Use the same programs as are compatible with the TRANZ 330 380 Checkreader connections are mini DIN instead of the full DIN normally found on XL and TRANZ terminals Examine a memory location VeriFone terminals have a built in function to examine a specific memory location To examine a memory location 1 Press the lt CLEAR gt key on the terminal 2 Press the lt FUNC ENTER gt key The terminal responds with FUNCTION 3 Press 7 to use the examine function The terminal then responds with Verifone Terminals 10 5 RECALL WHAT Enter the location address Key in the location number of interest If you key the required number of digits for the address e g 000 the terminal displays the contents of the specified location Alternately you can omit leading zeroes and push the lt FUNC ENTER gt key when the non zero part is complete The display is similar to the one shown below 000 18007573583 Y NOTE If the location contains more than 12 characters use the key to move scroll to the right the display actually shifts to the left to show characters off the screen to the right and the key to move back to the left
49. a composite database that holds as many days of transaction records as you want to keep available or 1 Use the Toolkit utility NCIS tget to retrieve transactions for a specific day 2 Use the Toolkit utility trn_conv to produce a comma delimited transaction log file for subsequent in house processing Retrieving Transaction Records for your Site Transaction files are given a date that is in the form yyyymmdd For example April 15 1996 would be specified as 19960415 Note that this format requires an 8 digit date Use leading zeroes if either the month or the day are single digit Thus January 8 1996 would be specified as 19960108 From a DOS prompt in the NCN subdirectory type NCIS tget lt date gt where the date is composed as described in the previous paragraph For example c NCIS gt NCIStget 19960327 retrieves the transaction log file for your site for March 27 1996 Alternately the date of the file to retrieve can come from a file TLOGDATE DAT in the C NCIS directory This option allows automation and automatic retrieval of the transaction log file in some systems When using this option omit the date following NCIStget as shown above Transaction Log Utilities 5 1 The log file retrieved by the above command is a binary file The Windows program showtlog has been provided for use in viewing this raw transaction log Y NOTE You are billed for connect time while retrieving transaction log
50. are no standards or guidelines for identifying and avoiding locations already in use this is very tricky The only safe approach to avoiding these problems is to only use the key locations for a single unused key 3 The download process requires entering data in three special locations that specify the phone number for the download computer the download ID and the name of the program to download Some credit card programs use these data especially the download ID so you should restore them after the download To download a VeriFone terminal The general steps for downloading a VeriFone terminal are given below and then explained in more detail in the succeeding paragraphs This procedure assumes that the programs are being loaded on an existing terminal that already has an operating credit card program and is installed at the merchant location 10 8 NCN Training Guide Determine the single key available for check verification Find an unused set of single key locations by talking to the credit card processor talking to the merchant and examining the terminal No single approach works in all cases so various approaches are explained below Verify availability of general purpose locations if required If the program you want to use requires general purpose locations verify that the ones specified in Appendix A for your application are empty i e not used by the credit card program A CAUTION Failure to perf
51. at this setting each rule set is printed starting on a new page with a new header as well this is the default If nendlines is non zero the header is printed only for the first rule set with subsequent rule sets separated from the previous rule set by nendlines blank lines 7 At any point the rule set file can be saved by typing the s command Save 8 When finished exit the program by giving the x command eXit If a rule set has been modified but not saved a prompt appears giving the option of saving the file before the program shuts down Y NOTE Edit rule set 0 at an early stage and put in it the base rule set for your agency Rule set 0 then serves as a template from which subsequent new rule sets can be derived any time you read a rule set that is not yet defined Rule set files are kept in the same subdirectory as the NCN Communications Toolkit usually e NCN The naming convention is rulennnn dat where nnnn is the rule set number with leading zeroes as required to give a 4 digit number Do not attempt to edit or delete these files directly They should be modified using the rulemain and NCNrule program You may want to find out what rule set files exist on your system This can be done by typing dir rule dat lt enter gt This produces a listing of all files that match the naming convention given above NCN Training Guide Communicating Rule Set Information to NCN To communicate rule se
52. below for Merchant Set Choosing this menu item restricts reports to those merchants that have an entry in the Merchant Table database and that have a specific set number assigned A box pops up to allow the set number to be specified The merchant set concept allows you to predetermine which merchants have compliance reports generated This takes care of the very common situation in which only some of your merchants need or subscribe to this service for specific Merchant Choosing this menu item lets you generate one report for one explicitly specified merchant It requires no entry in the Merchant Table database but uses address information found there if present A box pops up to allow the merchant number to be specified Summary Reports To print reports to be used by your agency click on Print Print Summary Report This pops up a menu that enables you to select the particular report wanted The choices are e for Merchants With No Verifications Choosing this menu item prints a report summarizing the compliance statistics for all merchants with entries in the compliance report database but no entries at all in the verification transaction log database This lets you learn about merchants that are not using your verification service e for Merchants With Verifications Choosing this menu item prints a report summarizing the compliance statistics for all merchants with entries in the compliance report d
53. clerk in making a decision All information sent back to the point of sale is placed in a single response packet of information that it transmits as a single burst of information It is important to note that NCN does not make any decision to accept or reject a check It only advises the merchant of the status of the account with two different negative messages one a warning and the other a stronger advice to decline the check If any limit is exceeded it advises the merchant of that fact and furnishes additional detail to the point of sale If everything is satisfactory it tells the merchant that fact The merchant uses this information to make the final decision regarding check acceptance The system logs every transaction and its response so merchants accepting checks against the advice of NCN can see the original response if the check later bounces The system makes its evaluation based on several possible criteria The exact criteria used is chosen by the NCN user and may be individually tailored for a specific merchant location Depending upon the actual options selected the possible negative criteria include e Negative file If an account has returned checks that have not been paid further transactions on this account usually give a strong negative response decline Limits exist to set a number of unpaid returned checks or the total amount of unpaid checks The unpaid returned checks may be counted if they have occurred at any merchant
54. correct information DAY OF WEEK Enter a digit identifying the current day of the week Valid entries are 0 Sunday 1 Monday 2 Tuesday 3 Wednesday 4 Thursday 5 Friday 6 Saturday 7 Sunday Press FUNC ENTER after your entry YEAR 19 Enter the last two digits for the current year Press FUNC ENTER MONTH Enter a number through 12 to identify the current month For example enter the number 6 for June Press FUNC ENTER DATE Enter a number through 31 to identify the current date For example enter 14 for the date June 14 Press FUNC ENTER HOUR Enter a number 1 through 12 to identify the current hour For example enter 10 if the time is 10 14 Press FUNC ENTER AM 0 PM 1 Enter a 0 to indicate AM or a 1 to indicate PM Press FUNC ENTER MINUTES Enter the number of minutes from 0 to 59 currently past the hour For example enter 14 if the time is 10 14 Press FUNC ENTER Verifone Terminals 10 15 11 SECONDS Enter the number of seconds from 0 to 59 currently past the minute For example enter 23 if the time is 10 14 23 Press FUNC ENTER 12 Day of week Date The terminal displays the new date and time TRANZ 380 TRANZ 420 To set the time and date 1 Idle prompt Simultaneously press and 3 2 DIAGNOSTICS The terminal displays this message for two seconds while it tests the real ti
55. data entry clerk This field on the verification gives the date of the verification transaction The field labeled Chk account Verified account gives the MICR number of the returned check on the returned item line The MICR number is the concatenation of the bank Routing number and the Account number The fields labeled Check amount Merch and Site are self explanatory and identical for the two lines The field labeled Verif Ans is only filled in for the verification line It displays in coded form the verification response that was returned to the point of sale It has two sections encoded as follows 1 The first section contains one of the following three values Auth Warn or Decl The corresponding meanings are Authorization given Warning message given and Decline Check message given 2 The second section gives a two character code The first letter is P N T or I and can be in lower case If it is lower case it indicates that account or ID information was manually keyed If it is upper case then the information came from a check reader or a magnetically encoded card The meaning of the letter codes is as follows P payroll check verification N normal personal check verification T two party check I ID verification The second letter tells whether the verification is a first time verification a repeat verification a duplicate check only applies to payroll checks or untestable
56. external modem connected to TRANZIT 1200C plus single packet MICR transactions using internal modem of TRANZIT 1200C with same functions of SP33789 Programs for the ZON Jr PLUS The ZON Jr PLUS does not provide for a program name Instead the download ID placed in location 01 accomplishes all program selection Table 10 11 Programs for the ZON Jr PLUS Program Name Description download ID MICR transactions with manual keying of check data download ID I D based transactions with driver s license download ID I D based transactions with Social Security number Verifone Terminals 10 29 1200C 340 Terminal Multilane System Setup The following paragraphs provide information on setting up the 1200C 340 terminal TRANZIT 1200C Programming The TRANZIT 1200C runs different programs depending upon whether it is connected directly to an In Store Computer or it dials out to a Multi Store Server or a Host The program for connecting directly to an In Store Computer is downloaded directly from a Velocity PLUS system The 1200C uses the same cable as for loading a TRANZ 340 or TRANZ 330 and it connects into the HOST port of the terminal The steps were given earlier in this section along with the steps for loading a 330 or 340 The 1200C can also use its internal modem to dial into a Velocity PLUS system and conduct transactions initiated by a 340 If another 340 terminal
57. files The first minute or fraction thereof is billed at 2 00 minute Subsequent minutes or fractions thereof are billed at 1 00 minute Assuming the use of a 28 8 kbaud modem until the transaction record exceeds 5000 the connect time is less than a minute Add Raw Transaction Log to Composite Database Use the following steps to add a raw transaction log to a composite database 1 Start up the Windows program Import Tlogs by clicking on the shortcut in the Windows 95 98 ME desktop screen 2 Import the transaction log Use DatabaseOps Import Raw Log to accomplish this If you have a number of consecutively dated transaction log files in a subdirectory you may use DatabaseOps Import Range Of Logs to process multiple transaction logs at once y NOTE Pressing CTRL I invokes the import dialog directly To learn the showlog function explore the various menu options The composite database is stored in the NCIS subdirectory You should be aware that a transaction record in raw form is 86 bytes in size Importing that record to the composite database and the generation of 3 indices consumes approximately 232 additional bytes After the raw file has been imported it may be deleted to save disk space In addition when the composite database contains records that are older than some number of days they should be removed from the database by using DatabaseOps Erase Entries By Date or typing CTRL E To erase a range of dates
58. for over single transaction limit D W 22d Msg for over activity limit for day D W 22e Msg for over activity limit for window D W 22f Msg for account is not local D W 22g Msg for ID with regular acct flagged D W I 22h Msg for ID with payroll acct flagged D W I 23 Group set 24 Canadian checks accepted 25 Manager password for payroll auths Rule Set Parameter Definitions This section explains the items used in specifying a rule set Each item is referenced by number or number letter NCN site number This number was assigned to your agency by Rocky Mountain Retail Systems when you became a member of NCN It is used to tag your contributions to the database and must also be placed in the VeriFone terminals at your customer locations so that verification transactions can be tagged with your site number see note following item 2 for additional information Rule set number This must be a number between 1 and 9999 This number must be placed in the VeriFone terminals at your customer locations and causes verification transactions from that terminal to be evaluated using that set of rules The rules are primarily limits placed on such things as check passing activity and the face amount of the checks The rule set number is made up of the following The first field of any verification request packet sent to NCN
59. gt CR LF Comm Mode 3 for a TRANZ 3xx terminal or STX lt data gt ETX LRC Comm Mode 7 for a XL XL 300 terminal 5 From the main menu press lt F2 gt to display it press lt ALT gt 4 to bring up the data format screen 6 Select the Raw Data Format Format 00 7 Change the substitution table to T O A D 8 Change the handling of spaces to Send all spaces 9 From the main menu press lt F2 gt to display it press lt ALT gt 5 to operate the program and load the reader Verifone Terminals 10 13 Stone West formerly Direct Data Cheq r Its configuration can be changed using a special program developed by Stone West called CONFIGURAT R To set up a Cheq r reader for a TRANZ terminal load the CONFIGURAT R software on a PC computer select the directory containing the program and type CHEQR 1 app A2DA1 Y NOTE Loading a Cheq r using CONFIGURAT R requires a special cable that normally comes with the software The above line assumes that this cable connects to the COMI port on the computer To set up a Cheq r for ZON Jr XL terminals follow the same procedure except the entered line should be CHEQR 1 app A2DB1 Welch Allyn Welch Allyn has two alternatives for configuring their check reader Use a bar code reader with a special collection of codes and programming menu e Use special pre printed configuration checks that changes the reader to outp
60. in the system if they have occurred at any merchant in the group set or only if they have occurred at a specific location Introduction Transaction limits Limits may be placed on individual transactions so that if either the amount of the transaction or the cash back exceed their respective limits the system usually gives a milder negative response warning If desired other limits on the transaction can trigger an ID verification or intervention by a manager Daily limits Limits exist for the total number of checks on a single account in a day the total amount of checks on a single account in a day and the total cash back for a single account in a day When exceeded the system usually gives a warning instead of a decline e Velocity limits Limits similar to the daily limits exist for a velocity window The velocity window specifies the number of days between 1 and 14 used in velocity calculations When exceeded the system usually gives a warning ID status If activated the system gives a negative response for checks offered by individuals who use an ID that has been associated with another account that has unpaid returned checks ID s may also be flagged as stolen or stopped by special command by either a store or the collection agency Flagged ID s usually result in a strong negative response decline Federal Reserve limits The transit field includes a designation for the Federal Reserve district used by th
61. is attached during a new merchant setup process Support Server 14 5 File Edit View Favorites Tools Help Back gt 2 Al Asearch Giravonies Bristoy Edy Sh met Address btp 65 169 90 9 ncnsuppart detault php 60 Links NCN Support Server Test Agency Brent Smith Logged In la Agency Admin Fee Profiles Profile Fee Profiles Available Standard Fee Profiles Eat El Admin en Fee Profile Used Qualification Criteria Processing Fees Volume Based Editable jn Merchant Profile Editable in Merchant Profile Yes El Merchants Admin Merchants Merchant Groups Class Fee per Traysaction Fee Structure El Transactions Scope Verification aNd ECC View Logs lon Gubranteed Paper and ECC Transfctions LEESE Volume Rate E Merch Description Check Prook Transadtions Blocked from ACH Statements Y Log andiBatch Transactions a 100 0 1000 Epi Represeifted or Repeat Transactigfis 101 100 000 0 0700 History Adjust History Transaction Based Edilable in Merchant Profile Editable in Merchant Profile El Reports Yes Daily Statistics Merchant Statistics Class Fee per Transaction Fee Structure El System Scope Verification and ECC FPT Management Neg Files Description Check Processing Fee Auth 0 1300 3 War ng 0 1300 le Home je Logout 3 A Transactions 0 1300 RIES 0 1300 Available Guarantee Fee Profiles Eat There are no Guarantee Fee P
62. must contain a terminal ID sometimes called merchant ID that includes an NCN site number a merchant number and a rule set number Following is a valid terminal ID 3718 812759 22 NCN Rule Set Maintenance 4 7 Where 3718 is the NCN site number 812759 is the merchant number and 22 is the tule set that is applied to transactions from this terminal The merchant number may be freely assigned by an NCN site and can contain from to 6 digits Y NOTE Terminal idle prompt This field of 16 characters is displayed by VeriFone terminals except the ZON Jr PLUS when a terminal begins a check verification transaction Any word or phrase may be used but it is preferable to choose a name that includes some reference to the rule set number and to your agency This practice provides a way to easily determine which rule set is being invoked by transactions from a particular terminal This is a required rule set item and may not be left blank y NOTE The NCN software sends a response packet back to the point of sale terminal that includes the above mentioned terminal idle prompt as the first 16 characters Most VeriFone terminals can strip this idle prompt off and then display the remainder of the message for the clerk ZON Jr PLUS terminals lack the capability to separate this idle prompt from the rest of the message so such terminals display the received idle prompt upon completion of the transaction On ZON Jr PLUS terminals
63. number is used first as a search key All transactions involving that MICR number are examined and scored as to the number of data fields that match The score must be equal to or greater than a specified minimum score more on this in the next section If multiple verification transactions are found to match the one with the highest score is taken If no verifications records were found in the MICR number search and an ID was included in the returned item record then a new search is conducted using the ID as a search key This finds verification transactions that were done using only an ID Transactions found this way are scored in the same manner as described in the previous paragraph Finally if the above search has failed to find a satisfactory match a search is made for all verification transactions that a particular Site Merchant has conducted Once again transactions found this way are scored as previously described If all of the above searches fail to find a satisfactory match to a verification transaction then the compliance report database entry shows no matching verification found Partial Matching In searching for the verification transaction that corresponds to a particular returned item record requiring an exact match to all data fields in the two records is too strict and hides useful information Errors are common and it is useful to know that errors are occurring and what kind they are
64. number to 0 inhibits the use of an alternate rule set limits 17 18 and 19 for local checks 0 to 14 days can be specified 16b New out of area account window This sets the number of days a never before seen out of area checking account is to be considered new Setting this number to 0 inhibits the use of an alternate rule set limits 17 18 and 19 for out of area checks 0 to 14 days can be specified New account transaction limits These are the same as rule set item 6 except that they are nly applied to accounts that are in the new state New account single day velocity limits These are the same as rule set item 7 except that they are only applied to accounts that are in the new state New account window velocity limits These are the same as rule set item 9 except that they are only applied to accounts that are in the new state Appendix and Quick Reference 15 9 Point of sale messages NCN allows the authorization warning decline messages that are returned to the point of sale terminal to be customized An example where this capability might be useful is if your agency wants all verification transactions other than authorizations to result in a message on the terminal requesting a call be made to a help desk to get an authorization If no entries are made for rule set items 20a c the following defaults are used Approval message AUTH NUM 021 81 Warning message MANAG
65. o amount non MR 1000 reader on XL FKXLDx FK33x FK38x MICR manually keyed w chk amount JRXLMx SK33xM SK38xM ID based DL w chk amount ZONIDDx 33IDDx 38IDDx ID based SS w chk amount ZONIDSx 33IDSx 38IDSx MULTI FUNCTION PROGRAMS MICR any reader 3 key w chk amount SP33789 SP38789 MICR MR 1000 reader 3 key w chk amount XL789 MICR non IVI reader 3 key w chk amount XLD789 MICR any reader plus Driver s License SPMDLx SPMDL8x MICR any reader 3 function 1 key w chk amt SPxPYRL SPxPYR8 MICR 3 function l key w chk amt amp W D print MFxPNTR MF38xPT ID based DL w check amount amp W D print 33DLxPT Y NOTE The XL300 uses the same programs as the ZON Jr XL EXCEPT when used with an IVI MR 1000 check reader which requires a special cable and a special program Appendix and Quick Reference 15 1 Program List In the lists that follow please note the distinction between check amount and sale amount All programs with the exception of FK33x and FK38x ask for the check amount Few users want sale amount except supermarkets who return cash to the customer Programs for the ZON Jr XL or XL 300 except with IVI reader These programs all prompt for the check amount after getting the MICR or ID Four of them also prompt for the sale amount that is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the program always between 2 and 9
66. of performing all types of transactions on Velocity PLUS It uses the entire terminal and does not coexist with any credit card program RMRS380 Full interactive program capable of performing all types of transactions on Velocity PLUS It uses the upper half of the terminal memory non split key and can coexist with any credit card program that uses only the lower half of memory Locs 0000 0999 In this table x is any integer between 2 and 9 inclusive Programs for the TRANZ 340 Table 15 6 Programs for the TRANZ 340 Program Name Description RMRS400 Credit card transactions into MAPP network using external modem connected to TRANZIT 1200C plus single packet MICR transactions using internal modem of TRANZIT 1200C with same functions of SP33789 Programs for the ZON Jr PLUS Note that the ZON Jr PLUS does not provide for a program name Instead the download ID placed in location 01 accomplishes all program selection Table 15 7 Programs for the ZON Jr PLUS ee Description download ID MICR transactions with manual keying of check data download ID I D based transactions with driver s license download ID I D based transactions with Social Security number Appendix and Quick Reference 15 5 Rule Set Parameter Definitions This document explains the items used in specifying a rule set for NCN Each item is referenced by number or number letter
67. output of the location filter would be only those two transactions These two transactions plus the current transaction are compared against six different thresholds day limits for the number of transactions conducted today the total amount of transactions conducted today and the total cash back for today and window limits for the total number of transactions within the velocity window period the total amount of transactions conducted within the window period NCN Training Guide and the total cash back within the window period These six thresholds come from the rule set that is defined for the location If the activity at the current location exceeds any of these six thresholds either the D output or the W output is TRUE and the system generates an appropriate message SITE LOCATION RULE SET RULE SET MICR TRANSACTION ACTIVITY DAY VELOCITY LIMIT VELOCITY LIMIT TRANSACTION LIMITS CHECK AMOUNT amp CBK SALE AMOUNT THRESHOLD TRANSACTION LIMIT FEDERAL RESERVE SET MICR DATA o COMPARE Figure 2 1 Logic for MICR based personal check transactions to calculate warning conditions in default configuration OUT OF AREA LIMIT Similarly many merchants want to use data from other merchants but place more importance on data from other stores of a similar nature e g only consider other convenience stores or auto parts stores or other members of the
68. profile to just one or the other Additional options establishing a rate structure and allowing or preventing modification of the fee profile after assignment to a merchant Guarantee Fee Guarantee Fee profiles are intended to support paper or ECC check guarantee programs Options exist for excluding checks over a specified dollar amount including or excluding special case transactions establishing a rate structure and allowing or preventing modification of the fee profile after assignment to a merchant Viewing Standard Fee Profiles With every new NCN agency there are two default Standard Fee Profiles created and applied Transaction Based Fee Profile and Volume Based Fee Profile Upon logging into the NCN support server select Fee Profile underneath the Agency Submenu on the left side of the screen The four columns underneath the Standard Fee and Guarantee Fee areas are subitems which reflect a summary of each Fee Profile setup within the system e Fee Profile This is a summary of the type of profile used the name of the profile used in the statement e Used Reflects how many merchants are currently assigned this particular fee profile this is a hypertext link to list those merchants e Qualification for Criteria Are the minimum requirements which triggers this Fee Profile to be used This setting can only be changed for guarantee fee profiles Standard Processing Fees Reflects the transaction rate which
69. required part of the transaction NCN Rule Set Maintenance 4 9 12a Number payroll checks per window Sets limit on the number of payroll checks cashed using a particular ID within the window period of days 12b Amount payroll checks per window Sets limit on the cumulative dollar amount of payroll checks cashed using a particular ID within the window period of days ID approval required IDs must be presented when a payroll check verification is conducted Options 13a through 13d specify the level of approval required to make an ID acceptable for use in conjunction with payroll check cashing Either 13a 13b or 13c must be YES to set the scope of approval required Note that you cannot change 13a 13b or 13c to NO you must set the desired option to YES and the others are automatically change to NO Use 13d to determine whether such approval is automatic or requires a manager 13d Manager required to approve payroll ID This option selects whether manager approval is required before an ID can be used for payroll check cashing If such approval is required the manager must use a specially programmed VeriFone terminal to communicate an ID approval packet to NCN If manager approval is NOT required then any ID submitted in conjunction with a payroll check transaction is automatically approved at the level specified by option 13a through 13c 13e Manager required to approve payroll account This option select
70. set item 9 except that they are only applied to accounts that are in the new state e Point of sale messages NCN allows the authorization warning decline messages that are returned to the point of sale terminal to be customized An example where this capability might be useful is if your agency wants all verification transactions other than authorizations to result in a message on the terminal requesting a call be made to a help desk to get an authorization If no entries are made for rule set items 20a c the following defaults are used Approval message AUTH NUM 021 815 NCN Rule Set Maintenance 4 11 Warning message MANAGER NEEDED Decline message DECLINE CHECK For approval messages a 6 digit plus dash transaction number is always appended so only the first 9 characters are available for modification In the default approval message shown above 021 815 was the transaction number Bad ID criteria When an ID is included in a verification request packet the NCN system looks to see if any negative information is connected to that ID If any are found the transaction is given an authorization Because there are multiple sources of such negative information and there may be cases where a merchant does not want some of those reasons to cause an authorization failure NCN provides a mask that permits each merchant to select which of the negative items are to be used in determining the goodness of the ID Rule set
71. should display SYSTEM MODE 2 Enter the function mode on the 1200 Press the lt ENTER gt key and the message should change to FUNCTION 3 Store the Download ID in location 992 Press key 8 to enter the store mode The 1200 should display STORE WHAT 10 30 NCN Training Guide Key in 992 lt ENTER gt and the display should read 992 5 Key in the Download ID your agency uses for downloading programs from the RMRS computer in Boulder followed by the lt ENTER gt key The display returns to the STORE WHAT message 6 Store the Application name in location 993 Key in 993 followed by lt ENTER gt to get the display 993 7 Key in the application name ISC 31 followed by lt ENTER gt The display returns to the STORE WHAT message 8 Enter the download phone number in location 994 Key in 994 followed by lt ENTER gt 9 Then key in the download phone number 18007573583 followed by lt ENTER gt The display returns to the STORE WHAT message 10 Perform the download Press the lt CLEAR gt key and the terminal display should return to FUNCTION 11 Press 0 and the display changes to two alternating messages FULL OR PARTIAL 1 FULL 2 PARTIAL 12 Press 1 to choose a full download and then wait The terminal displays the download phone number as entered in step 5 This is for your information only y NOTE DO NOT press any key at this point unless there is a pro
72. starts a transaction before the first one finishes the second one proceeds in parallel with the first As long as new transactions come in before all pending ones are complete the system maintains an open phone line Furthermore the system has the option of specifying an amount of time to hold the open line after all transactions are complete see setup of COM_MAP DAT in Section 3 2 As long as the line remains open transactions occur at the same rapid response as found with the In Store Computer For installations using local phone calls that do not incur charges based on the length of the call this can provide extremely good service without the cost of an In Store Computer The only negative is the requirement to dedicate a phone line for each store using the system in this way RMRS has a program for the 1200C to conduct transactions using this dial up LAN approach on its download computer To load the 1200C with this program follow the download and setup procedure given below It assumes that the 1200 is operating an outside telephone line is attached and that one or more VeriFone TRANZ 340 s have been connected to the LAN input on the 1200 To load the dial up LAN 1 Enter the system mode on the 1200 Perform the following key sequence lt CLEAR gt 1 6 6 8 3 1 lt ENTER gt As you press these keys the 1200 display remains unchanged which is unnerving After pressing the lt ENTER gt key at the end of the sequence the 1200
73. the match settings e Set the Minimum Match Count to two less than the number of Match items for MICR lookup and for ID lookup Typically most users select everything in the list except the site number and set the number of match items at 2 For Site Merchant lookup set the Minimum Match Count at one less than the number of Match items Most users select everything in this list and set the number of match items equal to 4 e Uncheck the Match Check Amount box if none of your POS transactions input a check amount If some of your merchants use POS transactions that include a check amount while others do not you should leave the Match Check Amount box checked The match scorer detects the lack of a POS check amount and scores that as a match to any amount in the returned item record e Set the Minimum Match Count to zero to completely disable a particular search this is a time saving device that should be used to disable the ID search if none of your POS verification transactions are conducted using ID only Compliance Report Generator 8 3 Operational Steps in Building the Compliance Report Database The following steps must be taken to build up a compliance report database 1 Save your incremental negfiles These need to be uniquely named so that they don t write over each other and so that you can tell what they contain We suggest that you create a subdirectory called negfiles
74. the ID which inherently has less accuracy than use of a check reader with MICR based verification Most driver s licenses have alphabetic characters which make it difficult to train clerks to enter properly The use of driver s licenses also requires entry of a state code which further complicates the training The connection between returned checks and a specific ID is tenuous and requires careful attention to the check recovery software and how it generates the negative file The negative file must include the preferred ID for each returned check Merchants don t agree on a single preferred ID If one merchant chooses one form of ID and another merchant makes a different choice the connection between the returned check and both ID s becomes less reliable Less expensive terminals such as the ZON Jr PLUS and the ZON Jr XL communicate at 300 Baud instead of the 1200 Baud communications used by the TRANZ terminals This makes transactions take longer and can increase phone costs for long distance calls NCN Training Guide Summarizing this trade off ID based check verifications offer a lower cost approach with some loss of accuracy and reliability Each NCN user can make this trade off independently and can use both approaches for different merchants Some users start merchants with ID based check verification and later switch to MICR based verification as volume builds or the merchant understands the value of using the MICR data At tha
75. the billing cycle Select Update Select the Return to Standard Fee Profile Management button to return and then select the Return to Merchant Profile button to return to the merchant profile screen The changes will apply and reflect on this screen Deleting a Merchant To delete a Merchant perform the following steps 1 Select the Merchant Profile Screen 2 Click on at the end of the blue highlighted Merchant Info heading row in order to display the Merchant Info screen 3 Select the Delete Merchant button y NOTE Read the on screen message carefully before deleting any merchant 4 Select OK if you are certain you want to delete this merchant Merchant Groups The Merchant Groups submenu allows authorized users to access and change merchant profile information for individual merchants and to assign these merchants to a group Using this group feature you are able to assign a single statement that contains transaction and pricing totals of multiple individual locations Under Merchant Groups individual merchants in various geographic locations belonging to a larger organization are grouped together under their ID number Their individual Merchant ID numbers are also listed within the window Support Server 14 17 Adding Merchant Groups To add a merchant group 1 Select the Merchant Group link under Merchant Admin A new screen appears 2 Select the Add New Group button at the top of the scree
76. the clerk must then press the 9 key to scroll the display to the right in order to see the response to the verification request This is easier for clerks to remember if the idle prompt is more descriptive e g PRESS 9 FOR ANS for those locations using ZON Jr PLUS terminals Group number This field allows selection of data from a group of merchants usually a specific store chain or merchants with similar characteristics Its use is for excluding NCN database information that is not tagged with the matching site and group number during the evaluation of a transaction When specified it should be a number between and 99 inclusive and rule set item 23 Group set must be specified as well e Point of sale options affect what is shown on the terminal display at the completion of a verification transaction 5a Return reason list Selecting this option makes detailed information available at the point of sale terminal whenever a check is not authorized Thus in addition to either a warning or a decline message scrolling the terminal reveals more detail such as which limits are exceeded the break down of unpaid checks by site location site group and total system the name and telephone number of the agency or agencies that holds any unpaid check items etc 5b Require ID if none Selecting this option causes the NCN system to examine whether the micr account specified in the verification request packet has a
77. the parameters and rules for making decisions NCN uses a rule set combined with stored data in the data base to make an appropriate response This chapter describes the basic transaction types in detail Each Rule Set specifies a unique set of transaction evaluation data to be used during the transaction process This information includes the idle prompt displayed on the P O S terminal the group set to which the location belongs and the equipment installed at the point of sale The rule set options contain all of the limits and parameters used in making the transaction response Personal Check Transactions Personal check verification transactions result in one of three outcomes acceptance warning or decline Figure 2 1 shows the logic involved in MICR based personal check transactions for the four possible warning conditions when using the default configuration D day velocity limit W window velocity limit T transaction limit O out of Federal Reserve set Complementing this diagram Figure 2 2 on page 2 6 shows the logic involved in MICR based personal check transactions for the three possible decline conditions in the default configuration U unpaid checks limit A account status problem and I ID flagged Changing the warning set of conditions or the decline set of conditions shifts individual items between these two figures but does not change the basic logic If a check passes these seven tests as most checks do
78. top of the page The screen refreshes and returns to the Merchant Profile screen When you are finished click on any of the blue highlighted submenus on the left side of the screen to continue through the NCN Support Server Support Server 14 19 Transactions The Transactions menu is the one of the most significant enhancements of the Support Server for Direct Agency Users This feature allows support personnel to actually view and research transaction data when answering customer calls There is only one submenu that is labeled View Logs To access the Transaction Logs select the View Logs link under Transactions menu item View Logs The Search Logs screen allows Direct Agency support personnel to find the data they need in order to answer customer questions regarding checks that have been declined approved or otherwise The Search Logs screen is divided into four sections otherwise known as Filters y NOTE A user searching for specific transaction information can use any one of these filters in order to access the needed information It is not necessary to enter information in all fields Each field s value and function in each of these four filters are described below Table 14 3 Transactions Point of Sale Filters Field Name Field Description Merchant Name of individual Merchant Merchant Group Name of Merchant Group Include Subgroups Merchant Group
79. would return a warning message together with another condition that would return a decline message only the decline message is sent to the terminal along with if enabled by item 5a the reason or reasons for all detected conditions The defaults for this item are 22a D Account Problem 22b D Unpaid Items 22c W Transaction Limit 22d W Day Velocity Limit 22e W Window Velocity Limit 22f W Out of Area 22g D ID Flagged personal check 22h D ID Flagged payroll check Group set list This set of ten 2 digit numbers specifies the groups to be used for 15 10 NCN Training Guide transaction activity and returned check limit tests for this rule set see discussion of rule set item 4 If no groups are specified all groups defined in the system are used which is the same as accepting data from anywhere There is no need to specify a group set unless a limit such as 7b 7e 7h 9b 9e 9h 18b 18e 18h 19b 19e or 19h as been specified Canadian checks accepted When a check is used for MICR input at point of sale Canadian checks can be detected by the presence of a dash in the sixth position of the transit routing field ABA number Some agencies may want to refuse verification for such checks due to collection difficulties This option allows them to indicate to NCN whether or not to refuse Canadian checks If this field is left blank then Canadian checks are NOT accepted Note that if manual input of MICR numbers is permit
80. 000000 Enter your secondary verification phone number MODEM MODE and press ENTER 00 Enter 04 or 01 and press ENTER TIMEOUT SECS Mode 4 300 baud Mode 1 1200 baud 00 Enter 30 and press ENTER You may want to increase the timeout if using manual MICR to prevent the transaction from canceling prematurely TERMINAL ID NUMBER 00000000000000000000000000000000 Enter your Merchant s site locnumber ruleset with the leading V shift 2 or Alpha 2 to make a V and press 2 to get a dash example V500 120 10 TRANSACTION COMPLETE Y NOTE The Terminal ID must start with a V and then continue with the merchant location code you want to use on the Velocity PLUS or NCN system e g V500 50 5 12 4 NCN Training Guide If you use a check reader with the VisaNet Application you must also do the following 1 Press FUNCTION 97 and set the following options 2 O none 2 RS 232 2 Pin Check Reader PortChoose 2 for Pin Check Reader Port 3 Pin Pad Type Choose 1 4 Hand set Dial Allowed Choose NO 5 Toll Dial Allowed Choose NO 6 Memory Fast Dial Choose YES 7 Referrel Dial Used Choose NO Check Reader Settings for the Hypercom Terminal y NOTE To use a check reader with a Hypercom terminal the following configurations must be used FIP 11 An additional piece of hardware called the FIP 11 can be purchased for the T7P that allows a check reader to be pl
81. 0430 160 2010 05 60 1360 63 10 10 23 20 20 46 60 2940 12 20 500 12 29 The interpretation of each field in the above record is as follows 35 Record type fixed 359 NCN Site number 000010 Merchant number zero padded 6 digits Joes Flower Shop Merchant name always 16 characters or 6 digits 19960401 19960430 Period covered by record 160 2010 05 Number and dollar amount of first AUTHs 60 1360 63 Number and dollar amount of repeat AUTHs 10 10 23 Number and dollar amount of first WARNINGs 20 20 46 Number and dollar amount of repeat WARNINGs 60 2940 12 Number and dollar amount of first DECLINEs 20 500 12 Number and dollar amount of repeat DECLINEs 29 Number of other entries General Information Merchant Database and Billing File Generation The Billing File Generator can prepare a list of inactive merchants and a list of missing merchants as it creates the billing files An inactive merchant is one that is present in the Merchant Database but has no transactions in the selected date range A missing merchant is one that has conducted transactions in the selected date range but there is no entry in the Merchant Database In addition if a Merchant Database exists the fourth field in the billing file is filled from the Accounting ID field of that database If no merchant entry is found the fourth field is defaulted to the 6 digit zero padded merchant numbe
82. 12789 in location 993 6 Store the download phone number 18007573583 in location 994 7 Perform the full download Press lt CLEAR gt The display reads FUNCTION 8 Press key 0 Alternating messages appear 10 32 NCN Training Guide FULL OR PARTIAL 1 FULL 2 PARTIAL 9 Press key 1 to choose a full download and then wait for download to complete 10 Press lt CLEAR gt enough times to see the alternating display of LAN connection status Table 10 12 MemoRy Location Notes 1200C Program for SP12789 Location Description 991 Sets Display for the 1200C 4 Shows the and symbols for each lane 3 Displays numbers rather than lane connections 992 Download ID Serial Number 993 Name of Program to Download SP12789 994 Phone Number for Downloading Program 18007573583 971 of lanes Tranz 340s the 1200C will poll The fewer lanes it polls the faster the transactions as the 1200C doesn t have to do as much work 987 Verification phone for transactions Can use D phone 0 like 987 D18001231234 0 when comm has problems 970 Baud Rate 1 5 Must match what is in location 21 on Tranz 340s 1 is the slowest 5 is the highest baud rate This is the speed between the 1200C and the Tranz 340s Tranz 340 SP34789 1 Store the lane number in location 20 2 Store the download ID in location 1 3 Store the application name SP
83. 34789 in location 19 4 Perform a full download for a single terminal Table 10 13 Notes Pre dial early dial function Location 923 1 early dial lt empty gt no pre dial This only affects the program on key 7 The 1200C begins dialing after the check is read by the check reader There is no pre dial on the MICR W ID or the PAYROLL key 8 or 9 Location 703 default state for DL Location 903 ID type C D driver s license M P S Verifone Terminals 10 33 Table 10 13 Notes Pre dial early dial function Location 704 804 and 904 terminal ID Location 712 for sale amount Baud Rate Baud rate value is from 1 4 whereas 1 is the slowest and 4 is the highest default 1200C location 970 4 Tranz 340 location 21 4 10 34 NCN Training Guide NATIONAL CHECK NETWORK Section Lipman Nurit Terminals In this section e Check Reader Settings for the Nurit Terminals e NCN GENERIC Check Protocol using NCN system on an Lipman Nurit Terminal Technician Notes Driver s License State Codes Merchant Parameters 11 Nurit Terminals Nurit has programmed an application for the RMRS format You can choose a number of options including attaching a check reader There is a Download Form that you can fill out and fax to Nurit and they configure the check service and download the merchant for you The Nurit
84. 5500 Verification ACH and Payroll Transactions Verification Date May 7th 2002 Certified Processors using Hypercom software Listed below are the names of the processors who have Class B certified the SPOS 06A software Hypercom Equipment 12 11 AMEX Cross Check Global Nationwide Check Nova Paymentech Vital 12 12 NCN Training Guide rss NATIONAL CHECK NETWORK Section Dassault Terminals In this section e Models e Linkpoint Terminals e Zontalk parameters for RMRS check service 13 Dassault AT Terminals Dassault AT has completed an extensive applications that is like the MFxPNTR program on the Verifone Tranz 330 terminals You need to call Dassault AT to have the check application that works with RMRS downloaded to the merchant s terminal Models The models offered by Dassault are the Freesia and the Talento Customer Service 1 888 710 0100 Figure 13 1 Feesia Figure 13 2 Talento Dassault AT Terminals 13 1 Linkpoint Terminals RMRS is supported on LinkPoint 2000 terminal applications LFRETS for retail and LFRST3 for restaurants and higher releases The LinkPoint 3000 terminal applications L3FRETI for retail and L3FRST1 for restaurants and higher releases The function is supported for both manual entry and check reader Mag Tek Mini Micr Check readers The Magteck Mini MICR reader is the only check reader that has been certifie
85. ABR 400 000 21 0 0700 le Home le Logout Transaction Based 11 Editable in Merchant Profile Editable in Merchant Profile x No Yes Class Fee per Transaction ae a Qualified Transactions Fee Structure SU cn el ES Y Non Guaranteed Paper and ECC Transactions EPT Description Check Processing Fee M Transactions Blocked from ACH MY 0 1200 Y Log and Batch Transactions EMMA 0 1300 M Represented or Repeat Transactions MET 0 1300 Other 0 1300 sn a Figure 14 4 Editing or Creating New Fee Profiles 14 6 NCN Training Guide Standard Fee Profiles There are two default types of Fee Profiles available with each new merchant setup Volume Based and Transaction based profiles Guarantee Fee Profiles Guarantee Fee profiles are intended to support paper or ECC check guarantee programs Various setup options include Excluding checks over a specified dollar amount Including or excluding special case transactions Establishing a rate structure Allowing or preventing modification of the fee profile after assign ment to a merchant General Fee Profile Setup Creating a Standard Fee Profile 1 Login to the NCN Support Server 2 Underneath Agency select the submenu item Fee Profiles A new screen will appear 3 Select the Edit button on the right side of the Available Standard Fee Profiles A new screen will appear 4 Place the name and a description of the fee profile in the Identifier and
86. D This sets the limit on the amount of a check that requires an ID to be included in the verification request packet y NOTE for this particular limit 6a 0 is treated as special case If 0 is used for this limit it is always considered to be exceeded This in turn forces an ID to be required for all checks a feature that is used by agencies that are offering a check guarantee service through NCN 6b Maximum check amount This sets the maximum amount of a check that is approved 6c Cash back requiring ID This sets the maximum cash that can be returned without supplying an ID in the verification request packet This option is only usable when the point of sale terminal prompts the clerk for both the check amount and the sale amount Only then can cash returned be calculated 6d Maximum cash back This sets the maximum cash that can be returned This option is only usable when the point of sale terminal prompts the clerk for both the check amount and the sale amount Only then can cash returned be calculated Single day activity limits are used to set limits on the cumulative number or amount of transactions for a specific account for the current day Which transactions are added together can be unrestricted from anywhere restricted to transactions from a particular site group set tightly restricted to transactions from a particular site location The personal check activity window option sets the number of days of inform
87. Description of statement fields y NOTE The Description of Statement will appear on your customer statement 5 Select the Class from the dropdown menu Click the Add button A new screen will appear 6 Underneath the profile menu select which Scope of Coverage is preferred which kinds of transactions will be billed Fill in the comment section and select the Update Button Qualification Criteria Setup y NOTE The next section Qualification Criteria cannot be edited using fee profiles unless a guarantee profile is being setup Support Server 14 7 Underneath the Processing Fees section select this checkbox if it is decided NOT to edit and assign this fee profile from the merchant profile screen Create a fee structure and range of fees if applicable by placing a maximum transaction amount and a Fee per Transaction FPT in the appropriate fields When all options for the range are entered select the update button The chart will update with the fee structure created Select the Return to Standard Fee Profile Management button at the top of the page to return to the main Fee Profile screen This fee profile is now ready to add to any or new merchant setup y NOTE When there is a need to edit this profile select the blue hyperlink name of the fee profile to advance to a new screen to enter the changes necessary Creating a Guarantee Fee Profile 1 Underneath Agency and select t
88. E ME THRESHOLD THRESHOLD MICR DATA ACCOUNT STATUS A INFORMATION ACCOUNT PROBLEM 1 D LIST INFORMATION Figure 2 2 Logic for processing personal check transactions to calculate decline conditions 1 D FLAGGED The final decline condition for personal checks involves the status of any ID s associated with the account Each account in the system accumulates a list of I D s known to have been used to cash checks with the account The ID information includes a status that can be flagged if the ID is associated with a different account that has problems This feature 2 6 NCN Training Guide provides valuable additional protection against fraud as it identifies runners who can use multiple accounts but have only a single identification such as a driver s license If the system detects such a flagged ID it generates an I output and declines the check in the default configuration In addition to the logic shown in Figure 2 1 and Figure 2 2 the system also uses the MICR data to detect repeat checks a transaction involving a check previously presented to NCN Although some fraudulent practices involve copying a check and passing the copies as many times as possible this usually involves payroll checks There are some legitimate reasons to re run a personal check For example some clerks may re run a declined check immediately to double check the response given by NCN As another examp
89. ER NEEDED Decline message DECLINE CHECK For approval messages a 6 digit plus dash transaction number is always appended so only the first 9 characters are available for modification In the default approval message shown above 021 815 was the transaction number Bad ID criteria When an ID is included in a verification request packet the NCN system looks to see if any negative information is connected to that ID If any are found the transaction is not given an authorization Because there are multiple sources of such negative information and there may be cases where a merchant does not want some of those reasons to cause an authorization failure NCN provides a mask that permits each merchant to select which of the negative items are to be used in determining the goodness of the ID Rule set items 21a through 21h allow the selection of such items By default if none of these items are marked as selected NCN assumes that 21a 21b and 21c are selected 21d through 21h are not selected y NOTE The use of special purpose ID flags 1 through 5 must be coordinated through NCN management Warning and Decline conditions This option determines which type of result message is returned to the terminal when particular conditions are detected during the verification request evaluation If more than one condition is detected the more serious message is returned to the terminal Thus if a condition was detected that
90. File e The Period Summary File e Generating the Day by Day Billing File rptxxxxx blg Generating the Period Summary File rptxxxxx bgs 6 Billing File Generator Transaction logs can be downloaded from NCN and processed into simple ASCII text files that can be subsequently used for preparing statements or invoices to be sent to your merchants The Billing File Generator is a Windows program that provides a means of building and maintaining a database that contains information about all the merchants that are using NCN through your company That database in conjunction with the transaction logs can be used to prepare two basic types of ASCII billing files a day by day file that contains one line per merchant per day summarizing activity for that day and a period summary file that contains one line per merchant that summarizes the verification activity for a given date range typically one month There are three possible verification messages returned to the point of sale terminal e AUTH e WARNING DECLINE In addition NCN is able to distinguish repeat verifications of the same check from first verifications of that check This is done by examining the check number supplied in the verification request packet Thus there are 6 possible verification results first AUTH repeat AUTH first WARNING repeat WARNING first DECLINE and repeat DECLINE In addition the transacti
91. HA gt key as required and described below for any non numeric keys Press lt FUNC ENTER gt The STORE WHAT prompt appears To enter alphabetic characters Sometimes it is necessary to key in alphabetic characters instead of numbers such as when entering ID s that include letters The terminal keyboard has the alphabetic characters written above the numbers Thus the 1 key also has Q and Z and written on it the 2 key has A B and C written on it etc On most VeriFone terminals to obtain one of these characters press the corresponding number followed by the lt ALPHA gt key Each time the lt ALPHA gt key is depressed the character changes to the next character shown on the key For example to obtain the character B push lt 2 gt lt ALPHA gt lt ALPHA gt To obtain a decimal point push lt 1 gt lt ALPHA gt lt ALPHA gt lt ALPHA gt While this can seem awkward at first it rapidly becomes routine The ZON Jr PLUS has a much more rudimentary scheme since it lacks the lt ALPHA gt key In place of this key the lt ENTER gt function obtained by pressing the key performs multiple different tasks depending upon the context 1 To obtain alphabetical characters press the lt ENTER gt key and then press the number key that has the desired letter multiple times until the letter appears You must do this for each character W
92. Header to print on Report box This accommodates multiple lines that appear at the top of each report prepared using the template 4 Exit by clicking on the X in the upper right corner of the screen The new data get saved automatically Y NOTE It is important to enter the name first If for example there are no defined templates and data get entered for the site number list and the header and then try to enter the name of the template the system does not allow completion of the name Forcing the cursor to move to another box erases the data in all boxes forcing re entry of the data NCN Training Guide Printing Reports Reports are grouped in two categories e detail reports Are prepared on a merchant by merchant basis and intended for distribution to your merchants e summary reports Show overall merchant activity and are intended for use by your agency Detail Reports To print compliance reports for your merchants click on Print Print Detail Report This pops up a menu that enables you to specify which merchants to print reports for The choices are for all Merchants Choosing this menu item causes a report to be printed for every merchant that has an entry in the Compliance Report database Address information in the Merchant Table is utilized if it is available This prints everything and is usually more than desired More typically one of the more selective printing options would be used as described
93. It lets the file transfers go FAST Two independent modem testing organizations evaluated major brands of 28 800 baud modems and found the US Robotics modem to be measurably superior Question What s in that fcomparm dat file that I need to edit Answer fcomparm dat file communications parameter data file contains information that tells the Toolkit utilities what serial port the modem is connected to what speed to use with the serial port your NCN site number your NCN password and the digits to dial to reach NCN NCN Tool Kit 3 5 Question Why do I need an NCN site number Answer NCN tags information received from you with this number for your protection and for the protection of others It is an integral part of the system for insuring database integrity for check verification Question Why do I need to set a baud rate to use with the serial port Why don t you just let it go as fast as possible Answer Normally we recommend that the serial port baud rate be set at 57 600 or at 115 200 if your serial port uses a 16550 UART and your computer is fast enough The modems then connect at their highest supported speed But if the phone connections that you can establish from your location won t support this speed then by setting the serial port baud rate to 9600 the modems does not try to connect at more than 9600 baud Question Why do I need to send files to NCN Answer This is how your returned check and
94. Log In e Using the Support Server Support Server Menu items 14 0 NCN Training Guide 14 Support Server Log In This User Guide is intended to guide the Direct Agency user through the new NCN Support Server for ECHO Check programs The NCN Support Server enables Direct Agency users to a find check verification transactions in order to answer questions from customers whose checks have been declined and b search transaction logs and view the POS Response to the check s presentment thus enabling them to provide customers with more complete details for the check rejection To log into the NCN Support Server click on this website address www check net Support Server 14 1 Once the website is accessed the Welcome screen appears Ele Edt View Favorites Tools Help Back gt D A Seach Favorites Bristow Ghr Sh my R Address E hito ww check net 260 Google gt f check net Welcome NCN Members Please feel free to ask a question or provide us with any thoughts or ideas you might have about how we can best maximize the benefits you see a5 a member of NCN and we will be happy to get right back to you Please enter your question or idea here Submit Reset Email Phone If you would like to contact us directly by phone please call us at 800 2 677 ECHO Letter To NCN Members NCN Support Requires IE 5 5 or Netscape 6 1 or newer Click on one
95. M5 Print all Host messages the DL 4321 and the MICR 12345 Req_ID_Vrf Specify the minimum amount for which the terminal prompts for IDs The ID prompts are specified in Add_Prompts Field can accept only whole dollars up to 8 digits Example The value 5000 causes the terminal to prompt for ID in any verification transaction of 5 000 00 or more Req_ID_Cnv Same as above but for conversion transactions Example Enter 1 in the field to prompt for ID on transactions of 1 00 and up Put 1 in Min Amount field to make sure no transaction can be processed without ID 11 8 NCN Training Guide Table 11 6 Merchant Parameters Cont Parameter Description Min _ Amount Specify the minimum amount that can be entered Sale Amount when using Cash Back is not subject to this rule Field accepts only whole dollars up to 8 digits Max_Amount Specify the maximum amount that can be used Field accepts only whole dollars up to 8 digits Confirm Amt Amounts that exceed this field causes the terminal to prompt for confirmation The operator must reenter the exact amount in order to continue the process Field can accept only whole dollars up to 8 digits VOID_PSWD When using this option the terminal asks for the DDMM password anytime when doing a VOID transaction Put Y to enable this option DDMM stands for current date DD day MM
96. N Training Guide Table 14 2 Merchant Group Field Descriptions Field Name Description Group Parent Typically this is setup as a top level option However this option allows a newly created group to be listed as a subgroup for an earlier created group For example National Rent a Car has a corporate office that is already created as the top level group You are able to assign a new group such as the western regional division as a subgroup of this headquarters top level group Address 1 Address of business Address 2 Continued Address City City State State Zip Zipcode Contact name Contact Person Phone Phone Number Email Email Address After the group is created Merchants can be added Adding an Unassigned Merchant to a Group 1 Select the Merchant Group link under Merchant Admin A new screen appears 2 In the right column on the screen labeled Unassigned Merchants select the merchant that you want to add to a group The screen refreshes to the Merchant Profile Screen 3 Select the Edit button on the right hand side of the screen next to the label of Merchant Info A new screen labeled Edit Merchant Info appears 4 In the right hand column there is a field named Merchant Group Select the drop down box arrow on the right side of this field and then select the group you would like to assign this merchant to 5 Select the Save and Return button at the
97. NZ 330 TRANZ 380 and TRANZ 420 terminal is Z66831 For ZON Jr XL s XL 300 s and the ZON Jr PLUS the password is 166831 Press FUNC ENTER or for the Jr PLUS STORE WHAT Press 0 3 0 or Press 0 0 3 0 for the TRANZ 380 or Press 6 0 for the Jr PLUS 030 Press FUNC ENTER or 0030 for the Jr PLUS or 60 10 18 NCN Training Guide 6 STORE WHAT Press CLEAR The Terminal Idle Prompt is now back to the default Terminal Troubleshooting Table 10 3 Terminal Troubleshooting Display Message Problem Solution system if the ABA and or Account do not have the proper amount of digits or there are missing Transit or On Us symbols from the check s MICR line APPL NOT FOUND This message is displayed on the Verifone Use the RECALL feature to inspect the program terminal while attempting to download a name you have stored in memory location 019 program whenever the application name in The program you are attempting to download memory location 019 is not found does not exist There is probably a missing or incorrect character in the program name you have entered Make the necessary changes and try again BAD LOC RULE This message is returned to the point of sale Use the RECALL feature to inspect the location NUM device if the location rule number is in an number in x04 The number should be no more improper format than 11 characters long If
98. No cash back capability Two line display that eliminates many of the detailed messages on warning type transactions e Does not support mag strip reading of Driver s Licenses Y NOTE If the merchant is interested in using a checkreader 1t is worthwhile to use the IVI CheckManager 3000 terminal and get away from many of the Hypercom limitations 12 2 NCN Training Guide Hypercom Terminal Setup Information for VisaNet Applications The following instructions are for setting up VisaNet Hypercom terminals that support the Check Select function This must be version T7RRO7R or higher Hypercom Equipment 12 3 Table 12 1 Instruction Set for Hypercom Terminal with Visaset Enter the Following Terminal Displays At the terminal s Idle Prompt SWIPE CUSTOMER CARD or other custom idle prompt Press FUNCTION 3 0 ENTER ENTER PASSWRD Press 0000 ENTER 1 PROGRAM CHK SERV 2 DELETE AND EXIT Press 1 DIAL SERVICE DIRECT YES OR NO Press ENTER YES for Direct 1 JBS 12 2 CRITE 15 3 SCAN 4 TCHK 5 MORE Press 5 for More 1 TCRD 2 ARJAY Press 1 for Telecredit 1 12 2 13 3 14 4 19 Press 1 for 12 MICR or Press 2 for 13 DL PRI TELEPHONE NO 000000000000000000000000000000 Enter your verification phone number and press ENTER any pre dial code is already set up in Function 2 do not add here SEC TELEPHONE NO 000000000000000000000000
99. TRA Perso SD CD WinZip Unregistered M it Untitiea MICRbase N PSE 1258 Pm Figure 13 3 When setting up a LinkPoint terminal for the RMRS check service the merchant s credit card processor ISO must have that merchant s terminal downloaded with the following parameters options to enable the check service Zontalk parameters for RMRS check service Table 13 2 Zonetalk Parameters for RMRS Check Service Variable ki chrs Explanation Data CKMID X 17 Check Guarantee Merchant ID XXXXX XXXXXX XXXX CKPNP 20 Check Guarantee Primary Phone Number X XXX XXX XXXX CKPNS P 20 Check Guarantee Secondary Phone Number X XXX XXX XXXX CKSVC N 1 Check Service 3 RMRS 3 RMMAP N 1 PROMPTS 1 MICR 2 MICR ID 3 ID 2 ONLY CKMID The Merchant ID must contain three numbers separated by dashes The format is always Site Merch Rule Set for example 100 153 12 The dashes are required CKSVC The number 3 is the proper number for RMRS check setup Dassault AT Terminals 13 3 RMMAP You can set up the program to only offer 1 of the 3 methods of verification 1 MICR 2 MICR ID 3 ID ONLY However if you set the terminal to option 2 MICR ID you can skip the ID portion and the terminal does a MICR only transaction If you get an ID IS NEEDED back you then enter everything This allows for the one time ID viewing option or other situations where you only enter an ID when the rule
100. TX gt is the single character with hex value 02 and lt ETX gt is the single character with hex value 03 and lt LRC gt is the single character check character computed per usual Verifone practice as the XOR of all the bytes in the packet except the lt STX gt and lt iden message gt is a 16 character identification message and lt result message gt is a 16 character verification result message Appendix and Quick Reference 15 11 and lt reason message gt is a 16 character reason message and lt unp loc gt is a 2x16 character message giving the name and telephone number of the agency or agencies that hold the unpaid checks for the account referenced in the verification packet and means repeat 0 or more times All response packets contain at least two 16 character messages The first 16 characters are just an identifying string that can be ignored or used as an idle prompt on the terminal or cash register The second 16 characters contain the result of the verification or an error message If the verification resulted in other than an accept additional messages giving the reason or reasons for the non accept message is appended if the rule set specifies that this be done In no case are more than 240 characters returned in the response packet In this section the messages that NCN can return to the point of sale are shown in quotes as C format strings All messages are padded as required with trailing blanks so tha
101. Terminals are made by a company called Lipman USA Their phone number is 800 454 7626 Nurit has the following models 2050 2060 2070 2080 2080 2085 2090 3000 Table 11 1 Nurit Terminals Name Picture Nurit 2070 Nurit Terminals 11 1 Table 11 1 Nurit Terminals Cont Name Picture Nurit 2085 amp 2090 Nurit 3000 11 2 NCN Training Guide NURIT DOWNLOAD FORM For Downloading NCN Check Verification Application Name of your Company Your Name Phone Date Type of NURIT 2050 2060 2070 2080 2080 2085 Nurit PC MANAGER CARD SERIAL MERCHANT INFORMATION NAME OF MERCHANT ADDRESS CITY STATE ZIP TELEPHONE HOST INFORMATION ATTACH PRINTOUT FROM THE TERMINAL To print out the Host information from the terminal Press the lt MENU gt key Press 43 Host report will printout ROCKY MOUNTAIN PARAMETERS FOR CHECK VERIFICATION Phone for Terminal to Dial Terminal ID Site Merchant location Rule set Example 100 000050 0008 must include leading zeros Enable the Following Features check the ones to be enabled MICR State Code SS enter State code Payroll or Nurit Terminals 11 3 DE Check Personal Check circle one ALL INFORMATION MUST BE COMPLETED TO HAVE THIS PROCESSED RETURN FAX 516 484 7093 Phone 800 454 7626 Chec
102. Type error e Check Date too old e Merchant not in Merchant Table e Merchant not doing verifications It is likely that you will not want to see all possible errors To select which errors are to be detected and logged click on Options Select Errors To Be Logged This pops up a panel with check boxes that permit you to turn on and off the various error detections We recommend that items 1 through 7 be left checked Item 8 Check Date too old occurs when a returned item is found that is older than the oldest date contained in the transaction log database It is not uncommon for agencies to process old checks so this box probably need not be checked Items 9 and 10 if checked typically generate an excessive number of errors and so should be used sparingly To view the error log file that results from processing a negfile or a group of negfiles click on ErrorLog This pops up a dual view panel The top panel shows a line for each negfile processed followed by lines detailing the type and location of the errors found The bottom panel shows a view of a negfile To navigate quickly to a detected error click on the file name line in the upper panel This opens that file for viewing in the bottom panel Then click on an error line and the bottom panel re position to that line in the negfile and highlight the line containing the error NCN Training Guide Miscellaneous The following describes the misc
103. _BAD PROGRAM FILE Terminal Features The specific features included in the NCN program include Multiple Transaction Types Four basic transaction types have been implemented Personal check Without ID e Personal check With an ID e Payroll check Which always requires an ID CheckManager 3000 Terminals 9 9 ID based check verification Y NOTE The first three transaction types are identical with those offered in current NCN programs SPxPYRL or MFxPNTR for the TRANZ 330 terminal Selective Enabling Of Transaction Types Rather than requiring loading of an alternate program a SINGLE NCN program for the CheckManager 3000 allows selective enabling or disabling of ANY of the three transaction types listed above This saves the time and costs associated with required loading of an alternate program Thus for example if a merchant never accepts payroll checks that transaction type can be disabled so that it never appears in the startup menu as an option This simplifies clerk training and reduces confusion Auto scrolling Of Menus Whenever the user has choices to make the various alternatives appear in sequence on the 16 character display of the CM 3000 As an example the initial startup of the terminal displays the Idle Prompt as set in the Velocity PLUS or NCIS M followed by a prompt for each of the enabled transaction types These scroll from one option to the next at a set interval and then keep re
104. a checks from patrons with known ID s requires use of a VeriFone program that prompts for ID s on all personal checks such as the full feature program for TRANZ terminals Figure 2 2 on page 2 6 shows the MICR based processing for testing the default decline conditions for a personal check As with the filtering used on transaction activity in Figure 2 1 the returned check data for the account conducting the transaction have location and group set filters These filters serve a similar purpose on the returned check data Many merchants have the most concern about any returned checks that were originally presented at their store Therefore the location filter selects only those returned checks that fit this criterion and the compare them with both a number and an amount threshold Many collection agencies set the number threshold to zero and ignore the amount threshold Some agencies however recognize that most returned checks occur through innocent errors and do not want to stop further checks on accounts that will pay for the check and the agency fee They do want to stop fraud artists who have a larger numbers of unpaid returned checks Therefore they set the limit on the number of unpaid checks to a small non zero value If the returned check data from the location exceed either limit the system generates a U output and declines the check assuming the default configuration NCN Training Guide Just as some merchants care most abou
105. a local merchant the account is treated as local even though the Federal Reserve district may be far away Special limits for young accounts A new account is one that has never been seen by NCN There are two ways an account becomes known to NCN a verification transaction is conducted involving the account a returned check drawn on the account has been entered in the NCN database If an account becomes known through a verification transaction there is no information positive or negative on which to base an authorization In this case many merchants want to use a different set of criteria limits in evaluating the verification request until enough time has passed for a check to clear and thus generate positive information NCN allows for this by putting an account in the new category for a number of days specified by rule set items 16a for local checks and 16b for out of area Verification requests for accounts that are in the new state use the limits given in rule set items 17 18 and 19 A CAUTION Setting the new account hold period for either local checks or out of area checks to a non zero value requires setting alternate limits items 17 19 as well Otherwise any new account has NO limits until the end of the new account hold period 16a New local account window This sets the number of days a never before seen local checking account is to be considered new Setting this
106. a merchant group and groups are setup you can assign this merchant to a group here Merchant End Date Optional setting can be used for a promotion or if merchant terminates services and you need to cancel statement calculation to not include this merchant NCN Training Guide Merchant Profile Screen The merchant Profile Screen is accessible after the initial merchant is added to the system This screen is accessible two ways just after pressing Save when adding and creating a new merchant or by selecting the Merchants sub menu item under Merchants Admin and then selecting the merchant you d like to edit The Merchant Profile screen provides a profile that contains four subsections that are required to generate statements These subsections include Merchant Info Assigned Site Location Rules Taxes Other Fees Guarantee Fee Profiles Standard Fee Profiles y NOTE After the five subsections are completed and saved the merchant setup is completed To enter information under any of these subheadings you need to select the Edit button at the right hand side of the subheadings To create an Assigned Site Location Rules item 1 Select the Edit button on the right side of the title Assigned Site Location Rules 2 A new screen pops up Insert the Merchant Number i e Location and Ruleset Number i e Rule assigned to this merchant Optional If you have multiple site numbers a
107. aNet Application If the VisaNet application is being used you have the instructions to setup the check service on the terminal yourself You may need the processor to open the terminal up for reconfiguring the check program If the other two applications are being used you have to fax over the information to the processor and let them make the changes to the terminal American Express 2200 Application The American Express 2200 Terminal is just the name that American Express has given to the Hypercom T7P terminal they sell that is loaded with their software Like any other Hypercom terminal we are certified with American Express using the old Telecredit format with either ID only Driver s License or MICR only For more information see the section in this manual entitled American Express 2200 Application Hypercom Telecredit Format Limitations Unfortunately the Telecredit format has some limitations It only handles two types of transactions e DL only verification e MICR only verification The Telecredit format does not handle a combination of both DL and MICR Other limitations include On DL transactions the State Code 40 for Oklahoma does not work The clerk must enter the letters OK as the State code for Oklahoma The number 40 conflicts with a code used for another reason by the Hypercom e Will not print a receipt on Declines Some terminal applications do not handle a checkreader No payroll check capability e
108. als within this time frame by the user Initially this time frame is setup with the agency To access the pending statements for each merchant 1 To access Merchant Group Statements select the Pending link under the Statements menu item 2 Select the merchant in which to review their statement underneath the Pending Merchant Statement section A new screen appears in Adobe Acrobat that displays the current statement If statements are in the default 10 day window after the end of the month there are individual or group statements listed underneath the Pending Merchant Statement section of the window Follow the steps to review edit and approve the process to permanently complete the statement process and move them into archive history 3 Once the individual or group merchants are listed Support Server 14 25 a Ifchanges need added select the EDIT button next to the merchant A new screen appears where you can edit charges b When statement has been reviewed a looks okay select the APPROVED button next to the merchant This PERMANTELY moves the statement into the history folder y NOTES Make certain you changes are correct once the Approved button is pressed the statement moves to the history folder in which changes are no longer permitted If you do not edit change or approve the statements within the time period noted default 10 days the system automatically assumes that the statements have be
109. am the reader simply by running these special checks through it The second option is so easy and the first option is complex and always requires a computer and special cable that you should obtain and use the configuration checks 10 12 NCN Training Guide IVI CheckManager 3000 This combination terminal and check reader usually stands beside other point of sale terminals sometimes sharing a printer It is dedicated to running checks and sometimes comes pre programmed from the vendor This eliminates the need to add an additional program to the VeriFone terminal that maybe dedicated to credit cards only The program running on the CM 3000 contains multiple configuration options that can allow it to behave like several different standard programs for VeriFone terminals as listed in Appendix A Please refer to the Checkmanager 3000 chapter to obtain the details on configuration and setup of this terminal check reader Magtek Magtek has a special program SET MICR for configuring its reader This program has several setup screens to choose the proper format and communications protocol 1 From the main menu press lt F2 gt to display it press lt ALT gt 1 to bring up the communications parameters screen 2 Set the parameters to 1200 Baud 7 Bits Even parity 3 From the main menu press lt F2 gt to display it press lt ALT gt 2 to bring up the message parameters screen 4 Select Predefined Comm Mode to send lt data
110. an wait a few minutes and try again NO ENQ FROM This message is displayed if the Verifone This indicates that a connection was established terminal does not receive the expected character with the host computer but the transaction was HOST from the host computer in the specified time out not completed Probably due to noise on the telephone line or poor telephone line connections Check the connections and try the procedure again If no other clients are reporting this problem then it is unlikely that the nation host system is at fault Verifone Terminals 10 21 Table 10 3 Terminal Troubleshooting Cont Display Message Problem Solution NO SERIAL USED This message is displayed on the Verifone terminal when you initially push the key the check program is loaded on You have either done a full download instead of a partial or you have done a partial download without putting your serial number in location 001 Use the RECALL feature to inspect location 001 make sure it is correct Redownload the program making sure to do a partial download FUNC ENTER 0 PACKET ERROR or RETRY These messages can be displayed at the point of sale device after a transaction attempt The verification machine has a detected a problem with the packet structure Try redownloading the program and attempting another transaction If you continue to get one of these m
111. an start keying the data manually The terminal detects the start of manual entry and switches to the mode to accept the data by this mode This eliminates the need to wait for a time out or a bad MICR read to switch to manual input Unique NCN Re send Option Sometimes check verification requests fail to complete due to phone line problems In such cases the clerk can simply re send the most recent check verification request by pressing the BACKSPACE key at the initial startup menu This avoids the tedious task of re entering all the data Print No Print Option The CM3000 program has the capability to print a short summary on the P 250 roll printer whenever the verification returns either a warning or a decline This printout includes the name and phone number of the agency that has one or more returned checks Giving this printout to the check writer helps defuse a bad situation that can be intimidating to the clerk and at the same time gives the check writer all the information he needs to resolve the situation The configuration mode allows enabling or disabling of this printout according to the desires of the agency or merchant and reflecting the presence or absence of a printer When used with Velocity PLUSO which does not return a name and phone number each agency can store its name and number to print on all such receipts Easy Recall of Transmit and Receive Packets Sometimes troubleshooting of an installation difficulty requir
112. and check verification with partial download Credit card draft capture available Extremely common for credit card transactions especially in some parts of the country Inexpensive and widely available on used market XL 300 Very similar to ZON Jr XL TRANZ 330 Supports more sophisticated programs for both checks and credit cards Communicates at 1200 Baud Many merchants upgrading to this terminal due to changes in credit card pricing 10 2 NCN Training Guide TRANZ 340 e LAN version of the TRANZ 330 e Communicates only through TRANZIT 1200 or equivalent device e Combined credit card and check verification program available through NCN TRANZ 380 e Same features as TRANZ 330 with larger memory e Split key version operates almost like two independent TRANZ 330 s OMNI 380 480 490 e Much more capability than TRANZ family e Programmed in C Cannot combine programs from two different sources e Significantly more expensive than TRANZ terminals Basic Operation of VeriFone Terminals The VeriFone terminals operate in a straight forward manner Some basic topics and terminology require some explanation The terminals consist of a keyboard display connections to other devices such as a check reader and printer and an internal memory The memory holds configuration data such as merchant location and dial up phone number one or more programs that control the operation of the terminal and special batc
113. and save them there Use the Transaction Log Database Manager to build a verification transaction database that contains data covering the likely date of presentation of the returned items 60 days should be sufficient A CAUTION Returned items that have check dates that are not included in the current transaction log database is discarded Decide whether you want an entry in the compliance report database for every returned item from every merchant found in the negfiles or whether you want to restrict entries to merchants that have been entered in the Merchant Table database recommended If you want to restrict entries to selected merchants only there are two things you must do 1 make entries in the Merchant Table for each merchant you want to include in the compliance report database see Building the Compliance Report Database on page 8 1 for additional help with this procedure and 2 click on Options Constrain Report if it is not already checked then click on Options Select Merchant Set Constraint and choose the set number for the merchants to be included note if you select 0 then all merchants found in the Merchant Table are included regardless of their set number This is the recommended setting Create a Report Template if one doesn t exist as explained in Report Templates on page 8 6 This controls which sites get included in the report and it establishes one or more lines of header infor
114. ansactions Pending usa Date Range 09 28 2002 mej 10728 2002 sed on approvals or other E Reports TESPONSES Daily Statistics I Merchant Statistics Search Results je Home le Logout Date TOTAL Is OTAL Approvals Warnings Declines Other 09 28 2002 5 0 o 0 00 0 00 o oo 0 00 0 00 09 29 2002 5 0 o o 5 0 00 o oo 0 00 0 00 0 00 09 30 2002 18 4 0 ol 14 44 32 4 11 0 00 0 00 40 21 10 01 2002 17 5 o o 12 32 05 5 05 0 00 0 00 27 00 10 02 2002 4 0 0 ol 4 0 00 0 00 0 00 0 00 0 00 10 03 2002 10 a o o 7 14 09 4 09 0 00 0 00 10 00 10 04 2002 5 0 0 ol 5 0 00 0 00 0 00 0 00 0 00 10 05 2002 4 0 0 oj 4 0 00 0 00 0 00 0 00 0 00 10 06 2002 5 0 0 ol 5 0 00 0 00 0 00 0 00 0 00 10 07 2002 5 0 o oj s 0 00 0 00 0 00 0 00 0 00 in na enne 5 n n n 5 n 00 n 00 nnn 0 nn 0 00 xi el p 9 Internet Figure 14 14 Daily Statistics Window To lookup and view a daily statistic for a merchant 1 Select the Daily Statistics link underneath the Report submenu A new window appears 2 Input the information necessary to select the merchant and date range required for the search Y NOTE Placing an asterick in the merchant field yields a list of merchants programmed into the support server 3 Select the Refresh buttons A List of Merchants will appear below Select the merchant to view the Daily Statistic report y NOTE If t
115. ants Admin Refresh Merchants w PT ME Merchant Groups El Transactions View Logs End of Stat Period a Mech poems This section is used to change the end date of the most recently archived statement period This change will adjust and Pending recalculate all merchant statements and all merchant group statements within this period History d Adiust History New statement end date Apply Global Change El Reports Earliest date permitted September 1 2002 Daily Statistics 5 Merchant Statistics Latest date permitted October 27 2002 ES coo Archived Merchant Statements September 1 2002 to September 30 2002 This section contains a list of merchant statements that are archived to history If a statement is incorrect use the Edit button ta make corrections to a merchant s profile The Adjust check box marks a statement for recalculation The Apply Changes button will recalculate all marked statements If a merchant statement is part of a merchant group then that merchant group and any parent will also be recalculated Apply Changes J Profile Adjust Merchant Name ww Merchant 1D Phone Processing Fee Minimum Fee Other Fees Taxes Total sa pp Brents test 10021 0 00 0 00 0 00 0 00 mr merchant edit 7 DianeBinder test10 0 00 19 99 0 00 1 42 Edit F Francie s Test Shop test 1 0 00 0 00 0 00 0 00 x 4 gt E Done A 89 intenet Figure 14 13 Adjust History screen To change and Adjusted History 1 Select the Adjust History submenu item
116. ariety of communications problems when downloading to a terminal or performing transactions Table 10 4 Communication Problems Troubleshooting Suggestions Explanation Slow down the Communication Speed Speed is usually a good thing when performing verification transactions But it can be a hindrance if the line connection quality is very poor Sometimes the merchant has no trouble connecting and completing Credit Card transactions but has continual trouble connecting to your local Verification system This is almost always the result of a poor connection It doesn t necessarily mean that either you or the merchant has a bad line it only means that the path opened by the phone company when A dials B is of poor quality This problem can result in messages such as LOST COM W HOST BAD RX COMMUN BAD TX COMMUN and even WAITING FOR ANSR NO ANSWER If you are using a TRANZ type terminal one that communicates at 1200 Baud you can slow the transaction speed down to 300 Baud This is accomplished by putting an M in front of the phone number in location x00 and x01 Example If you are on key 7 and 700 and 701 contain 18005551212 then change that to M18005551212 Download Slower The same principle applies to problems with downloading If you are having problems with the download you can slow the download speed on TRANZ terminals by changing the value of l
117. as a flagged ID and declines to cash the check and displays a DECLINE CHECK message The system also compares the check amount against a maximum check amount as specified in the rule set If the payroll check exceeds the maximum amount limit the payroll check is declined and the terminal displays a warning message As mentioned earlier the system does use the MICR data to access account information This consists of using the account status to verify that there are no unpaid checks or other problems with the account If there are problems with the account the system declines the check and displays a DECLINE CHECK message Since duplicate checks do pose a significant problem with payroll checks NCN treats them differently than repeat personal checks All duplicate payroll checks result in an account problem that produces either a warning or a decline depending upon the merchant setup The default configuration specifies that all account problems result in decline messages The system does recognize payroll checks run within 15 minutes of the original as benign Any re run payroll checks within this time interval are treated as repeat checks and logged accordingly If all five of the tests shown in Figure 2 5 are okay the system authorizes cashing the payroll check with the standard AUTH NUM message Transaction Details 2 11 DL State Codes The software allows use of two digit state codes for the driver s licens
118. atabase and that had at least one of their returned items verified for All Merchants Choosing this menu item prints a report summarizing the compliance statistics for all merchants with entries in the compliance report database regardless of whether they are using your verification service or not Compliance Report Generator 8 7 Merchant Number Mismatch List Choosing this menu item prints a list of all merchants in the compliance report database that had one or more verifications matched to them but the merchant number in the verification transaction did not match the merchant number in the returned item record This could be because the returned item was assigned to the wrong merchant or that the verification terminal at the merchant site contains the wrong merchant number The ErrorLog Incremental negfiles are produced by the software package that is used by an agency for monitoring and controlling the collection recovery activity It is frequently the case that data entry errors are made and subsequently show up in the incremental negfiles While the Compliance Report Generator is processing these files it is also testing for data errors in the returned item records It is able to test for and log for subsequent viewing the following errors Transit Number error e Account Number error e Date format error e Merchant Number error e Check Amount error e Check Sequence Number error ID
119. ation of a list of inactive merchants The Generate Missing Merchants List box can be checked if you are maintaining Billing File Generator 6 5 a Merchant Database and you want to know about merchants that are conducting transactions that have no entry in the Merchant Table b Choose the desired file format by checking either Original Format or Enhanced Format Note always choose Enhanced if you are planning on using the Transaction Activity Report Writer c Click on OK to start the file generation When this process is complete the following tips should be useful Tips select Show Table Missing Merchants Table to view the list of missing merchants To invoke the Merchant Table Database editor highlight one of the missing merchant entries and type CTRL A think Add missing merchant Select Show Table Inactive Merchants Table to view the list of inactive merchants To delete the merchant highlight one of the inactive merchant entries and type CTRL D think Delete inactive merchants 5 The billing file is written to NCIS rptxxxxx blg where xxxxx is your zero padded site number Generating the Period Summary File rptxxxxx bgs 1 Use the procedures described in Chapter 6 to build the transaction log database so that it includes the transactions for the date range required for the billing cycle 2 From Windows run the Billing File Generator program For Windows 3 1 this can be done
120. ation that are to be included in measuring the activity often this is referred to as velocity of an account This can be set from 1 to 14 days A setting of 1 includes only today s activity A setting of 2 includes today and yesterday Personal check window limits are applied against the cumulative activity that has occurred on an account during the activity velocity window specified by rule set item 8 Appendix and Quick Reference 15 7 Maximum payroll check amount Sets the maximum face amount of a payroll check that is accepted Payroll activity window Set the activity window for payroll checks Sets limits on payroll check cashing activity accumulated within the activity window set by item 11 Y NOTE Payroll check cashing activity is accumulated against the ID that is presented as a required part of the transaction 12a Number payroll checks per window Sets limit on the number of payroll checks cashed using a particular ID within the window period of days 12b Amount payroll checks per window Sets limit on the cumulative dollar amount of payroll checks cashed using a particular ID within the window period of days ID approval required IDs must be presented when a payroll check verification is conducted Options 13a through 13d specify the level of approval required to make an ID acceptable for use in conjunction with payroll check cashing Either 13a 13b or 13c must be
121. ayroll check has been presented before for cashing NUM PAYCHKS d The rule set limit on the number of payroll checks that can be cashed on a given ID in a given period of time has been exceeded AMT PAYCHKS ld The rule set limit on the cumulative face amount of payroll checks has been exceeded NOT PAYROLL ACCT The account is not an authorized payroll account and the rule set requires it to be ID NO PYRL AUTH The ID has not been authorized for cashing payroll checks at a specific location and the rule set requires this authorization Authorization Messages These messages appear only when a manager is requesting the approval of either an ID or a micr account for payroll check verifications Table 15 14 Authorization Messages Message Description ID AUTHORIZED Indicates that the ID is now authorized for use with payroll checks Appendix and Quick Reference 15 17 Table 15 14 Authorization Messages Cont Message Description NO ROOM FOR AUTH Indicates that the ID could not be authorized because there was insufficient room in the database There is room for an ID to hold 10 authorizations ACCOUNT AUTHED Indicates that the MICR account is now authorized as a payroll account INVALID PASSWORD The manager password provided in the request packet does not match that specified in the rule set
122. batch files for automating the conversion process trn_conv returns the following error codes that may be tested by the IF ERRORLEVEL batch command 0 Conversion successful no errors found 1 Wrong number of arguments supplied on the command line Could not find the input file first filepath on command line Could not open the output file second filepath on command line Input file was not a valid NCIS binary transaction log file Error encountered while reading input file aA On A W N Error encountered while writing output file Transaction Log Utilities 5 3 Format of comma delimited ASCII file The output file is a comma delimited ASCII file with each line including the last line terminated by a CR carriage return hex 0D and a LF line feed hex 0A character The following fields may sometimes be empty check amt cash back check num id lane num raw MICR In particular the raw MICR field only appears in transaction log files for sites conducting ACH transactions N m Field Description 1 date 2 time 3 trn number 4 site num ber 5 merchant 6 rule num ber 7 group num 8 check amt 9 cash back 10 ver result 11 account 12 trn code 13 check num 14 id 15 lane num 16 raw MICR Examples Example 08 20 96 13 29 31 886076 353 76075 1002 22 52 10 00 DEC itw 1028819781234 5 R 3510 DL CA 1897 21 see below Field Size and Limits Fixed 8 chars Month Da
123. because no check number was available The letter codes are F first verification R repeat verification D duplicate check repeat presentation of a payroll check more than 15 minutes after the first presentation U untestable Agency Reports The following three reports are summary reports intended for agency use They are self explanatory except possibly for the somewhat cryptic column headings The heading have the following meanings Heading Meaning Site Site number Merch Merchant number NCN Training Guide Heading Meaning Ret total number of returned items Unv number of returned items that were not verified Wrn number of returned items that were given Warning POS messages Dec number of returned items that were given Decline POS messages Ath number of returned items that were Authorized at POS Returned total dollar amount of returned items SUnverif dollar amount of unverified returned items SWarned dollar amount of returned items that received Warning messages SDecline dollar amount of returned items that received Decline messages SAuthed dollar amount of returned items that were Authorized at POS Sample Report 2 Summary of all merchants serviced by agency Sample Report 3 Summary of merchants using verification serviced by agency Sample Report 4 Summary of merchants not using verification Mismatched Merchant Number Report The mismatched merchant n
124. ber connection Try try again the regular phone number 1 303 442 2105 There have been cases where the client insisted There can be a problem with the Verifone the line was a direct line only to discover later modem Even though the Credit Card program that it was part of their internal phone system is not experiencing problems with transactions Try the 9 anyway it can t hurt and could save a their dial up process and host modem can be lot of diagnosing time and headaches much more sophisticated allowing for line problems Download the check program onto a spare terminal and try it with the same phone lines If it consistently works then you have a problem with the other terminal NO ANSWER This message is displayed on the Verifone Use the RECALL feature to check the phone terminal if it does not detect a carrier from the number you are dialing If you are attempting to host computer download a program this is memory location 000 If you are attempting a verification this is memory location X00 where X is the key on which the program is stored Remember you may have to input a 9 and possibly a pause in front of the phone number to access an outside line If the number is entered correctly then the host computer is probably busy with another verification or download The terminal re dials two more times 8 rings each on its own You can press CLEAR to stop this in order to check the phone number or you c
125. blem The download proceeds normally requiring several minutes to complete 13 Start up the terminal 14 After the terminal displays a message indicates that the download is complete press 15 the lt CLEAR gt key several times until the terminal returns to the normal idle display with several digits the word BUSY and four more digits Wait a couple of minutes until the right hand digits in the display settle down with a value of 1790 to 1810 Set up the transaction phone number For the ISC 31 program use any ofthe TRANZ 340 s attached to the 1200C to set up to telephone number for performing transactions Verifone Terminals 10 31 Follow the procedure given in next Section for changing the MSS phone number on the TRANZ 340 Downloading TRANZIT 1200C amp Tranz 340 Terminals NCN has the following programs to download into the 1200C 340 LAN system e SP12789 for 1200C SP34789 Program for 340 terminals Y NOTE These programs are for use only over telephone lines To download 1 Enter system mode lt CLEAR gt 1 6 68 3 1 lt ENTER gt After pressing lt ENTER gt it should display SYSTEM MODE 2 Enter function mode by pressing lt ENTER gt The display changes to FUNCTION Store the download ID in location 992 by pressing key 8 The display changes to STORE WHAT 3 Key in 992 lt ENTER gt It displays 992 The display reads STORE WHAT 5 Store the application name SP
126. by selecting Program Manager File Run and typing NCIS billing in the dialog box For Windows 95 this can be done by selecting Start Run Open and typing NCIS billing in the dialog box 3 Build the Period Summary Table by selecting Make Period Summary Table and entering the desired date range If the database does not contain information for some of the days in the date range you are warned At this point you can either abort or continue 4 Create the period summary billing file by selecting Make Per Merchant Per Period File This causes a dialog box to appear Use that to select among the following options You MUST type your site number Leave the All Marked Sites box unchecked The Include Merchants With No Activity box can be checked if you are maintaining a Merchant Database and you want to include entries in the billing file for merchants that had no transactions on any day in the billing period This also enables the creation of a list of inactive merchants The Generate Missing Merchants List box can be checked if you are maintaining a Merchant Database and you want to know about merchants that are conducting transactions that have no entry in the Merchant Table NCN Training Guide Choose the desired file format by checking either Original Format or Enhanced Format Note always choose Enhanced if you are planning on using the Transaction Activity Report Writer 5 Click on OK to start the file generation Wh
127. ccumulate individual ID s associated with each account and to associate several accounts with one or more ID s If a given ID is associated with an account that has unpaid returned checks the system can give a negative evaluation of checks written by the same individual on other accounts This feature provides a significant tool for reducing fraudulent bad check passing The ID also plays a major role in payroll check cashing with special velocity limits available for payroll checks cashed using each ID The system recognizes several alternate forms of identification Driver s license Social Security number Courtesy Cards provided by merchants or check collection agencies Military ID s ID based check verifications use these three data bases by linking the ID to a specific account that has unpaid checks in the returned check data base The system creates a special account in the MICR data base in order to track check cashing activity and to provide the same features that the MICR based check transactions have Another key element in evaluating a check is the concept of velocity A common fraud pattern involves obtaining a checking account and then passing as many checks as possible as rapidly as possible before any of the checks are returned by the bank for insufficient funds In order to detect this pattern the system monitors the number of checks written in a specified period of time velocity and can return a negative evaluation of fu
128. cessed in order to produce a report We recommend that you consider producing a monthly report by processing all negfiles created during that month against all verifications performed in the last 2 months Other strategies are possible but this is a good place to start Merchant Table Maintenance In order to print reports for your merchants that contains their company name and address as well as to control which merchants have reports printed and possibly to control which merchants have entries in the compliance report table a database called the Merchant Table has been included It is not essential that this database be built and maintained but it is highly desirable as some features of the report printing process depend on data that is held here Without this database those features would be inoperative To add a merchant to the Merchant Table click on MerchantTable This brings up a window that can be used to examine change find and create entries in the database Do not be alarmed if the data entry panel seems overwhelming This database is used by other utilities so there are fields shown that do not have to be filled in for use by the Compliance Report Generator More specifically the only fields that must be filled in are in the top portion of the panel The nine button VCR like array at the bottom of the panel is used for navigating the leftmost 4 buttons are used for this and editing entries the rightmost 5 buttons are used
129. cified by either a number or a number letter combination All list of all such rules is included at the end of this chapter As mentioned earlier detailed information about the rules is available in Appendix B of the Instruction Manual Type the rule to be edited and press enter If the rule specified exists a prompt appears that further identifies the rule At this point you may type the new value All values are checked for being in a legitimate range and are automatically converted to proper values if found invalid 5 Use the d command Display to display on the screen the current rule set values 6 Use the p command Print to print the rule set to an attached printer assumed connected to LPT1 Y NOTE The header that is printed should be edited to reflect your agency name and address and site number The file that contains this information is rule_hdr txt In addition there are two other parameters that affect the appearance of printed output These parameters are set in the file NCIS fcomparm dat The first parameter is Imargin it controls the left margin of the rule set The default setting is 15 which centers the output It may be set to any value between 0 and 40 inclusive The other parameter is nendlines it controls the number of blank lines that are output to separate rule sets when more than one is printed in a session Legitimate values are from 0 to 10 inclusive The value 0 is the default and has special meaning
130. commended to have all fields filled in This is for your benefit Y NOTE Direct Agency users can change information in all of the fields except the Username field If a Direct Agency user wishes to change his or her Username e g adding a middle initial this can only be performed by the Agency Administrator Changing your individual account preferences 1 Select the My Admin under the Admin menu item 2 Change any information needed in the required or optional fields The required fields include Username password confirm password first name and last name Support Server 14 11 3 Once you have made changes to the information on this screen Select the Update button and your computer screen refreshes itself y NOTE The Password and Confirm Password field allows you to change your assigned password To do this type your new password in the password field then retype it in next field to confirm it Your password can be a minimum of 5 characters up to a maximum of 20 characters y NOTE After pressing the update button If changes are not accepted by the system for any reason it will display error message in red print at the top or bottom of the screen reenter the login information again and click on If this second attempt is unsuccessful contact your Agency Administrator Merchants Admin Menu y NOTE Though there are two default fee profiles already setup on the support serve
131. cts with locations used by other programs To avoid these problems NCN has developed a complete set of programs that are small enough to fit in key memory for a single key without using any additional locations These programs have limited flexibility and very concise user prompts but they avoid a very large difficulty by fitting in the limited number of locations The download service offered by NCN to all NCN users makes all of these programs available Appendix A gives a complete list of single key programs and complete function programs available through the download service Counting all of the possible key combinations this list includes over 300 different programs for a wide variety of terminals and verification requirements NCN continually maintains and improves these programs to reflect changes and enhancements made to NCN This section describes the steps to download these programs The capability of having several different programs in a single terminal allows such a terminal to conduct both credit card and check verification transactions Furthermore the ZON Jr XL and TRANZ terminals support a partial download to add new programs to existing terminals without affecting the original program For this to work you must abide by some restrictions 1 Partial downloads require a special key stroke sequence to avoid erasing existing programs 2 New programs must not use any locations used by earlier programs Since there
132. d NCN prepare a custom modem setup for our favorite modem Answer Yes but reluctantly and only if a You send a modem manual and b acheck for 250 is included with the manual Question What if I need to send or receive lots of small files Answer You following methods are used a Use pkzip to zip a bunch of files for sending This has the beneficial side effect of compressing them at the same time b IfNCN is sending a bunch of files at once the file extension is zip and you need to use pkunzip to process it c PKZIP and PKUNZIP are included in the Toolkit but please note that they are shareware and if you use them regularly the authors deserve a payment Read the order doc and sharewar doc files for details NCN Training Guide Question When I do a file transfer with one of the Toolkit utilities it says press ESC at anytime to abort this program What does this do and what happens to the file being transferred Answer The file transfer utility programs periodically look for characters from the keyboard If an ESC escape key is found to have been pressed during a file transfer that transfer is terminated and any partially received file is deleted Question What happens to a file being transferred if the phone connection is lost or the modem turned off Answer Only files that are received in their entirety are preserved Any partially received file for whatever reason is deleted Questio
133. d then clicking on the OK button This selection can be changed later by using the Printer SelectFont menu item There are three usable fonts that the program looks for and lists for selection Courier New Letter Gothic and Line Printer Allow its a matter of taste we believe that Line Printer produces the most attractive reports followed by Courier New with Letter Gothic in last place Test your printer and font selection by clicking on Printer PrintTestPage If that produces an acceptable report the next step is to edit the header that is printed at the top of each report Usually this is the name address etc of your agency but the choice is yours To edit the header click on Header Open For Edit and modify the default until it suits your taste Save the results by clicking on Header Save If the editing goes badly awry you can click on Header Cancel to cancel the edit Test the results by printing test pages until you are totally satisfied click on Printer PrintTestPage to do this Printing a Transaction Activity Report Click on BillingFileOps Select Billing File to bring up the open file dialog box Chose the file type using the drop down list box at the bottom left then select the desired file and click on then OK button If a billing file was opened various print options appear under the BillFileOps menu 1 Select Print All Merchants to print a report for all entries in the billing file 2
134. d with the LinkPoint terminal The Mag Tek Mini MICR check reader must be configured to format 0002 with the following special settings Table 13 1 LinkPoint Terminal Settings Item Setting Format 0002 MICR Type Options RS232 Fullset Comm mode none Baud Rate 9600 Data Bits 8 Stop bits 1 Parity none Invalid Command Response lt CR gt No Header Check the following Options to yes Trailing lt CR gt yes Send Status yes 13 2 NCN Training Guide iy Untitled MICRbase lelxi Eile View Communicate Configure Help Olea e Sle Configure MICR Type Options Last Configuration Source Download Option 1RS232 Fullset Upload All Es r y UPload Configuration From MICR DOW Nload Configuration To MICR SWA SWB SWE Hw 601 00110 er 000010 69000000 69000000 Format Flexible Format Size Comm Mode 0002 stes PA qn an T Leading lt STX gt I Send Data After Error IT Leading lt ESC gt IV Send Status Edit Flexible Fe t String AAA Tea ens I Mer T Track 1 T Track 2 VW Trailing lt CR gt T Trailing lt LF gt A Cancel f Com Setup Baud 9600 Data bits Stop Bits Parity 8 1 None pa FT Intercharacter Delay I CTS DSR Use Tl RTS F Track 3 T ID Card Decoding Invalid Command Response lt CR gt No Header a J Resw CAP NUM SA Start BY CARDSERVICE INTERN 35 Session EX
135. de on every log entry The first letter gives the transaction type and the second letter gives the transaction condition The transaction type also shows if the data in the request were read automatically by a check reader or mag stripe reader or manually entered A capital letter implies automatic data entry while a lower case letter implies manual entry Table 5 2 on page 5 6 lists the transaction type codes and Table 5 3 on page 5 6 lists the transaction condition codes Table 5 2 List of Transaction Type codes Transaction Explanation Type N or n Normal personal check P or p Payroll check T or t Third party check I or i ID based transaction B or b Blocked for ACH V or v Void of previous ACH entry L Log entry for information G or g Guaranteed check A Activation record for special transaction card c Card transaction Table 5 3 List of the Transaction Condition Codes Transaction Condition Explanation H First presentation of a check Repeat presentation of a check personal Duplicate check payroll Untestable presentation no check number Override of prior warning for ACH General purpose log entry Mandatory accept no verification elzlololce u Query only NCN Training Guide NATIONAL CHECK NETWORK Section Billing File Generator In this section e The Day by Day
136. dentification number plus the individual account number Automatic check readers sense this information and transmit it through the point of sale terminal Since the system uses the complete MICR information there is no possibility for cases of mistaken identity For each check approval transaction using ID s the system accepts driver s licenses Social Security numbers custom courtesy card numbers or military ID s The clerk typically keys in the appropriate ID although the system also accepts input from magnetic stripes that are on driver s licenses or courtesy cards The NCN system has a primary goal of fraud prevention It makes an account evaluation based on multiple criteria and using limits that each installation and each merchant can customize It continuously accumulates positive information on repeat customers and uses this information to detect unusual check writing activity on an account All this flexibility and capability means that users must make numerous configuration choices at the time of installation of each merchant This manual describes these choices individually and explains the multitude of transaction evaluation parameters available to satisfy each merchant s special requirements Since each member of NCN can set all of these values independently the resulting system becomes uniquely customized for each different agency and meets a wide variety of individual requirements without requiring special and expensive software a
137. e These numeric codes are translated into the appropriate alphabetical codes so the data entry in the check recovery software should continue to use the letter code NCN uses the standard code substitution table established by ANSI and published as a standard for Information Interchange RULE SET CHKS WIN 1 D HEC INFORMATION THRESHOLD THRESHOLD A AUTH r ACCOUNT STATUS Problems SITE LOCATION RULE SET MAX CHK AMT THRESHOLD ACCOUNT INFORMATION Figure 2 5 Logic for processing payroll check transactions CHECK AMOUNT 2 12 NCN Training Guide Using this table will give compatibility with NCN enable use of NCN for backup of Velocity PLUS systems and provide standardization with the most common convention in use today The ANSI standard used on NCN is given in Table 2 1 Table 2 1 ANSI standard numeric codes for driver s license states as used on the NCN system 01 02 04 05 06 08 09 10 11 12 13 15 16 17 18 19 20 21 22 23 24 25 AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 44 45 46 47 48 MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX 49 50 51 53 54 55 56 12 78 81 82 83 84 85 86 87 88 89 90 91 92 UT VT VA WA WV WI WY PR VI AB BC MB NB NF NS NT ON PE
138. e bank on which the check is drawn Fraudulent check passers sometimes alter this designation to cause the check to be sent to the most remote district for processing in order to gain more time before checks are returned by the bank If desired the Velocity PLUS system includes a list of acceptable Federal Reserve districts Checks that specify districts outside this list usually give a warning Special stop Individual accounts may be stopped by special command by the collection agency This may occur if the account has had returned checks that proved difficult to collect Another example involves accounts that have been closed by a bank Checks drawn on accounts with special stops usually give a decline The NCN check verification system has a large degree of flexibility so individual users can choose to issue a warning or decline for each of the conditions described above The list shown above indicates the most common choice for each of the possible failure conditions These choices are described in more detail in Transaction Details on page 2 1 and in Rule Set Parameter Definitions on page 15 6 which defines each of the parameters used in evaluating transactions NCN Training Guide MICR ID IDLE PROMPT ECK AM pela aoe BASIC RESPONSE ae LOCATION NUMBER WARNIDECLINE REASONS RESETEAR RET CHECK PHONE gt Sa REQUEST PACKET RESPONSE PACKET NCN COMPUTER DATA BASE RULE SETS POINT OF SALE
139. e next section If the UNIT CONFIG MODE does NOT appear follow these steps 1 Remove power from the unit 2 Place a check in the unit and slide it as far forward while the power remains off 3 Apply power to the unit CheckManager 3000 Terminals 9 1 4 5 Wait for the unit to start up It eventually displays the message REMOVE CHECK Without removing the check press the CLEAR key The motor starts up and usually feeds the check through the reader If the motor starts but does not feed the check manually remove the check In either case the display changes to CHECKMANAGER At this point the unit is in the UNIT CONFIG mode To select a specific function first press ENTER and then the FUNC key and one of the following digits you choose to edit The specific functions available include 1 Telephone download See further details below 2 Set time and date 3 Direct download Used only at the factory to load a program 4 Not used 5 Contrast Use the key to increase the contrast and the key to decrease the contrast Normally the best contrast is between 50 and 60 6 Backlight Use the ff key to increase the brightness and the key to decrease the brightness Normally the best backlight levels are between 50 and 70 7 Not used 8 Not used 9 Not used Perform a Program Download from The NCN Terminal Program System Performing a telephone download FUNC 1 re
140. e of activity always 8 digits Number and dollar amount of first AUTHs Number and dollar amount of repeat AUTHs Number and dollar amount of first WARNINGs Number and dollar amount of repeat WARNINGs Number and dollar amount of first DECLINEs Number and dollar amount of repeat DECLINEs Number of other entries The Period Summary File As in the case of the day by day file there are two formats available the original format and the enhanced format An example of each format is shown below Original format 3 359 000010 Joes Flower Shop 19960401 19960430 330 6841 10 10 60 2940 100 1881 The interpretation of each field in the above record is as follows 3 359 000010 Joes Flower Shop 19960401 19960430 330 6841 10 10 60 2940 100 1881 Record type fixed NCN Site number Merchant number zero padded 6 digits Merchant name always 16 characters or 6 digits Period covered by record Number of verifications performed of all types Total dollar amount of all verifications Number of first warnings given Dollar amount of first warnings Number of first declines given Dollar amount of first declines given Number of repeat verifications given of all types Dollar amount of repeat verifications given Billing File Generator Enhanced format 3 359 000010 Joes Flower Shop 19960401 1996
141. e of performing a check verification transaction in virtually any desired manner NCN has developed a program that offers 1 Four 4 different transaction types plus several options within a specific transaction 2 A special Configuration Mode to select which transaction types operate in a specific installation 3 The unique NCN Configuration Mode also allows numerous other options Skipping check amount Choosing the ID type whenever the transaction requests one and enabling or disabling of printing the warning and decline messages 4 Password protection for the Configuration Mode different from that of the Set Up mode 5 Setup mode that allows changing of the phone number for verification the merchant ID and the default state for driver s licenses This mode is also password protected but differently from the Configuration Mode This document explains the various options available with the NCN program on this terminal and describes how to set them up and then use the terminal Downloading Programs Using Unit Config Mode The CM 3000 can download a program using a telephone connection in the same manner used for VeriFone terminals It also has a couple of maintenance settings that may need occasional adjustment To access the download maintenance mode use the following steps Press the Clear key and hold it down for 5 to 10 seconds until the terminal displays the Message UNIT CONFIG MODE and then proceed to th
142. e second transaction type personal check with ID and check amount Disable the other transaction types and the printer 33IDDx Enable only the fourth transaction type ID based verification and select driver s license as the ID e 33IDSx Enable only the fourth transaction type ID based verification and select Social Security as the ID e 33IDCx Enable only the fourth transaction type ID based verification and select Courtesy Card as the ID Terminal Error Messages The eN Check 3000 has several different error messages that can appear Some of them are run time errors that relate to problems occurring as a program encounters an unusual state The terminal also has a set of syntax errors that indicate a problem with the syntax of the program these should rarely appear since programs get thoroughly debugged before making them available for download The following run time errors can appear listed in order of increasing severity Table 9 1 Run Time Errors Error Number on Terminal Interpretation 1 ERR NUMBER TOO BIG 2 ERR_DIVIDE BY ZERO 3 ERR_MOD BY ZERO 4 ERR_EXTRA CHARS IN NUMBER 5 ERR_STRING_OVERFLOW 6 ERR_EMPTY ORD ARGUMENT 7 ERR_PROGRAM_NOT FOUND 8 ERR_LINE NOT FOUND CheckManager 3000 Terminals 9 7 Table 9 1 Run Time Errors Error Number on Terminal Interpretation ERR_OUT_OF_ DATA 10 ERR_BAD_FILE_WRITE 11 ERR_BAD_SEEK 12
143. e used with Compliance Reports Support Server 14 31 Manage Files This selection describes the options available to view the negative files which were processed by the NCN Authorization system This includes the option to delete processed negative files to conserve file space Each file processed includes hypertext links which the user can select and view information on each processed file There are three types of processed files a The complete file processed b Format Exception errors c Purge Exception errors Rulesets Coming soon Compliance Reporting Coming soon Home Select the Home link at any location in the NCN Support Server in order to return to the Agency Home Screen Logout Select the Logout link to exit the NCN Support Server session 14 32 NCN Training Guide 15 Appendix and Quick Reference The appendix and quick reference contains information that you may find helpful in supporting the NCN applications Selection and List of VeriFone Programs for NCN Table 15 1 Selection Guide ZON Jr XL TRANZ 330 TRANZ 380 SINGLE KEY PROGRAMS MICR any check reader w chk amount SK33x SK38x MICR any reader thru PIN pad port w chk amt SK33xP SK38xP MICR Soricon MR 1000 reader only w chk amt JRXLx MICR non MR 1000 reader w chk amount JRXLDx MICR w chk amount amp sale amount SKS33x SKS38x MICR w
144. ed records E ad please download from here Admin Users My Admin A 3 7 Date Timea Trans No Site Loc Rule Group Routing No Account No Check No Amount ID Type ID Issuer ID Number Fl Merchants Admin 1NQQ 18 2002 10 35 33 207 331 65305 1 1 123123123 004366 1057 5 00 Merchants Merchant Groups 211 002 10 13 02 162 211 65305 a 1 123123123 004366 1057 1 02 Edit Your Search lt lt Prev El Transactions View Logs E Merch Statements Current Pending History Adjust History E Reports Daily Statistics Merchant Statistics Column Headings e Home le Logout Select for Transaction details AO gt E Done B 0 intemet Figure 14 9 Successful Transaction search result screen With multiple transactions listed you can select the Column Headings to sort in reverse order based on the heading name 14 22 NCN Training Guide By selecting the number in the left column you are able to view the transaction details Figure 14 10 Transaction details reflect information 3 NCN Support Server Microsoft Internet Explorer la x Ele Edt View Favoites Took Help E HBack gt A A Qsearch Favorites hit Eby I W R Address E https 7 www check net ncnsupport default php y Go Googe Bo Search Web RSeachSite E Page info up MHichiiaht NCN Support Server Test Agency Brent Smith Logged In Agency NCN Transaction Details Profile El Admin POS
145. ed to add the location to the ID list of approved payroll check cashing locations the system declines the check with the message ID NO PAYROLL AUTH VERIFONE KEY FOR PAYROLL CHECKS PRESSED UNKNOWN PAYROLL ACCOUNT MGR APPROVAL REQ D i NOT PAYROLL ACCT NOT PAYROLL ACCT IDENTIFY ACCT AS PAYROLL ADD THIS LOC TO PAYROLL LIST FOR THIS I D EVALUATE 1 D AND ACCOUNT Figure 2 4 First stage logic for payroll check transactions Once the system establishes that it can process the account as a valid payroll account and that the ID can cash payroll checks at this location the transaction evaluation uses the logic shown in Figure 2 5 on page 2 12 The ID information stored in the data base includes the number of checks and the total amount of payroll checks cashed by the ID 2 10 NCN Training Guide in the payroll check window period These two pieces of data augmented by the current transaction are compared in threshold functions with two limits number of checks per payroll window and total amount per payroll window These limits come from the rule set for the location If either of these limits is exceeded the system declines the check with a warning message The ID information also includes the ID status If the ID is associated with any personal account having unpaid checks or it has been identified as stolen or forged the system recognizes it
146. edecsceed oct sceaactchesenl dea cdetscnetebsidenibigasnvaaaaeets 12 1 American Express 2200 Application cccccsccssssscesseeseeesseeseceseeeeeeeneeenes 12 2 Hypercom Telecredit Format Limitations ccccecccesseeseeeteceteeseeeeseenaes 12 2 Hypercom Terminal Setup Information for VisaNet Applications 12 2 Check Reader Settings for the Hypercom Terminal nene 12 4 Mia Ga Teka AA lbs 12 4 CHECKMATEIEMRAIN oo 12 5 SORICON MR TODO rs 12 6 Hypercom Terminal Setup Information for Processor Setup 12 6 Hypercom Terminal Operation for MICR Verification 12 7 Hypercom Terminal Operation for DL Verification c 12 8 American Express 2200 Terminal usensesssessneeseeensensennnnenennnnsnne ne 12 9 Hypercom Certifications via NON cncnsennsenseensneeneennnenn en 12 10 Certified Processors using Hypercom software 12 10 13 Dassault Terminals Models dai da a 13 1 Linkpoint Terminal conato Biss ooo dois 13 2 Zontalk parameters for RMRS check service cesenenenenen 13 3 RMRS Check Service Manual Entry Option 1 13 4 vi NCN Training Guide Agency SS ON 14 3 Support Server Menu items ccceccccscesseessecssceeeceeeeeseecsaeesecnseceseeeseeeseceteeeeeaes 14 3 Admin Men iii ass atar ae anae see oraaa Ena E A SS 14 4 DE E RS RR RN 14 4 EN A TN 14 4 MIA seems een A ede cee 14 5 Changing your individual account preferences
147. eeaeees 15 3 Programs for the TRANZ 340 cceensnsneseseseensennnennnnnennn nennen 15 5 Programs for the ZON Jr PLUS ucnensensensnessnennnennsnne een ennnn een 15 5 Rule Set Parameter Definitions 2 0 00 eceeeeeeeeseeececeeceeseeeeeseceeceaeeaeeaeeeneeaeeaee 15 6 Point of Sale Messages ccccccscessecsecseeseceseeeseeseecsaececseeeseeeessensecesecneeenseeaes 15 11 General Information 20 0 ccc ccesesseeeeceecesesseeseeeeceaeeaecaeeeeeeeeeaecaecaaeaeeneeeees 15 11 Identification Messages cscccsccesecesseeseeceeseececeseceeeeeseecseeesecesecneeenseeaaes 15 12 Verification Result Messages Succeeded ooocooocccoconononononononononnoconocononnnos 15 12 Verification Result Messages Failed 15 13 Contents Vii Reason Velocity Messages ccccccsccssesssesecstecsecesceeeeeeeeeeeseenseenes 15 13 Reason Unpaid Item Messages coooococococnnocnnonnonccnnncnnncnnnonnnonnccon non nnnnos 15 15 Reason Individual Check Transaction Limit Exceeded Messages 15 15 Reason Account Problem Messages ooooccioccconononconncoonono nono ncon non nnnooo 15 15 REASON ID PROBLEM MESSAGEG cccscsssssssssseceseseseeees 15 17 Reason Payroll Check Messages 15 17 Authorization Messages ccccccsessesseeteceseceseeeseeseeceseceteeeeeeeseeeeeaaees 15 17 Example a iaa 15 18 viii NCN Training Guide NATIONAL CHECK NETWORK Section Introduction In this section e National Check Networ
148. ellaneous options when using the Compliance Report Generator with the NCN toolkit Erasing the Compliance Database After each report cycle has been completed and all desired reports have been printed the compliance database can be deleted in preparation for the next set of reports by clicking on Options Erase Compliance Table A confirmation window pops up to help prevent inadvertent erasures Diagnostic Mode Option Under the Options menu there is an item called Diagnostic Mode On Off This is used by the program developers to examine step by step operation of the program It won t hurt anything to activate this feature but it wastes a lot of time We recommend that you do not use this feature Changing Compliance Table Appearance You may want to rearrange the order of columns displayed when viewing the compliance table This can be accomplished by a click and drag of the column headings You can also resize a column by performing a click and drag operation at the boundary of two column headings Note that any of the above changes persist for the duration of a session but are lost when the program is terminated Sample Reports Examples of each type of report available are included in the next few pages along with some descriptive material to aid in their interpretation The text in the upper left corner is controlled by the header file This can be changed by clicking on Header Open for Edit and making appropriate changes chang
149. en reviewed and moves them to History automatically History The statement history screen is used to review and retrieve statements that have completed the final process of Pending and are archived here This is the location of your merchants statements when they are archived To access the History statements Select the History link underneath the Merch Statements submeu Underneath the Filter section select the month of statement range from the drop down menu Select the Refresh button You ll then see a listing underneath the Statement section that shows individual merchants that can be downloaded or one can download all of the statements by pressing the Download PDF statements button Y NOTE These statements cannot be edited 14 26 NCN Training Guide 3 NCN Support Server Microsoft Internet Explorer Eile Edit View Favorites Tools Help Back gt 2 A search Favorites HHistoy Ei Hw BQ Address E hntps www check net nensuppott detauit php o Google y seachweb Seach Site E Page Into up Hichi NCN Support Server Test Agency Brent Smith Logged In a Agency Statement History Profile El Admin Users Filter My Admin E merchant Groups Name ERE El Merchants Admin F Merchants Merchants Statement Dates Merchant Groups E Transactions View Logs E Merch Statements Current d stafements
150. en this process is complete the following tips should be useful Tips select Show Table Missing Merchants Table to view the list of missing merchants To invoke the Merchant Table Database editor highlight one of the missing merchant entries and type CTRL A think Add missing merchant Select Show Table Inactive Merchants Table to view the list of inactive merchants To delete the merchant highlight one of the inactive merchant entries and type CTRL D think Delete inactive merchant 6 The billing file is written to NCIS rptxxxxx bgs where xxxxx is your zero padded site number Other Tips Most menu items that reference Site should be ignored These items are only useful when data from multiple sites is included in your database which is normally not possible Such menu commands are used by NCN personnel when preparing billing files for sites that are not doing their own The only exception to this rule are those menu items that reference Site Totals Table These are useful and show the sum of all verification transactions by all of your merchants Use the menu items Goto and Next to navigate quickly to desired positions in displayed tables The exact action of these menu items depends on which table is currently being displayed Don t let the Daily Summary Table grow to contain many more days than are actually needed to prepare the billing files They take up valuable disk space and make the adding o
151. er the merchant ID To move back to a previous parameter press ALPHA 3 Continue to press ENTER to step through all of the available parameters and data At the end the terminal reverts to the standard Startup Menu Y NOTE The Default Password for the Set Up Mode is IVINEW Numerical equivalents only Or 484639 To change setup mode parameters 1 While the parameter is displayed press the Backspace key y NOTE It is not possible to edit the transmit or receive buffers The terminal then prompts for a password 2 Key in the Setup Mode password While entering this password the display shows an asterisk for each entered character Ifthe password is invalid the terminal displays the Startup Menu After successful entry of the Startup Mode password the terminal displays a prompt for the parameter you want to change 3 Key in the new value followed by ENTER CheckManager 3000 Terminals 9 3 The terminal tests the new data for reasonableness e g a phone number must have at least 7 digits and set the parameter to the new value if it passes the test If it fails the test or if the user just presses the ENTER key the terminal leaves the current value unchanged and moves to the next parameter in the Setup Mode At any point in the Setup Mode if you press BACKSPACE the display moves backward to the previously displayed item Y NOTE Once you have entered the Setup Mode password for one
152. es can then be saved by clicking on Header Save The next text block is controlled by the Merchant Table database Any merchant information including address information placed there is printed in this block The data portion of the report is composed of line pairs The top line shows the returned item information extracted from the incremental negfiles The bottom line shows the matching verification transaction Any items from the verification transaction that do not match the corresponding returned item field are printed in bold to highlight the discrepancies Compliance Report Generator 8 9 The field labeled Reference for the returned item line is the reference number assigned by the recovery software to that check Some recovery software packages do not include this reference number when they produce incremental negfiles in such cases the field is blank On the verification line the reference field is composed of the verification number and the time of the verification The field labeled File Date is only filled in for the returned item line It gives the date of preparation of the file that contained the returned check This can be compared to the next field that gives the date of the check to get some idea of the delay involved in adding a returned item to the verification database The field labeled Chk Date for the returned item line gives the date of the check as recorded by the
153. es differently than regular files and expects them to be compressed a certain way and named a certain way Rather than bothering you with these details we provided a special utility for sending negfiles that takes care of these details for you In addition negfiles must be submitted singly and in correct sequence and sometimes result in the return of error files instead of acceptance of the negfile NCN Tool Kit 3 7 Question Is there some kind of log that s kept on my computer of the file transfers that I have done Answer Yes Each file transfer session is recorded in file log in the subdirectory from which the utility was invoked Y NOTE This file could grow large if many file transfers are done so occasionally it should be deleted It is recreated by the next file transfer session Question How can I look at the file transfer log file Answer Type showlog Question How can I erase the file transfer log file Answer Type eraselog Question What do I do if I cannot get the US Robotics modem that you recommend and my boss insists that we use one that we already have Answer A 1 Try it It might work However it doesn t work examine the file NCISmodm sup This file is used as the source of setup strings that are sent to the modem to configure it for use Read that file It contains comments that tell what modem configuration is needed Grab the manual for the modem you want to use and have at it Question Woul
154. es examining either the transmit packet or the receive packet The Setup Mode provides this information quickly to make it easier to diagnose the problem even over the telephone Troubleshooting the CM3000 Terminal Table 9 3 CM3000 Troubleshooting Problem Solution No Carrier Check connection of phone line to terminal Verify phone line dialtone with analog telephone Place an F in front of the phone number F for forced dialing CheckManager 3000 Terminals 9 11 Table 9 3 CM3000 Troubleshooting Problem Solution No Dialtone Check connection of phone line to terminal Verify phone line dialtone with analog telephone Place an F in front of the phone number F for forced dialing NCN Training Guide NATIONAL CHECK NETWORK Section Verifone Terminals In this section e Basic Operation of VeriFone Terminals e Downloading of Single Key Programs to the Terminal Verifone Terminal Check Reader Configuration Verifone Terminal Other Setup Parameters Terminal Troubleshooting 10 Verifone Terminals The most common point of sale terminals are those manufactured and marketed by VeriFone Corporation The NCN system has been designed to work with these terminals and special programs for the VeriFone terminals have been developed Other terminals such as the Hypercom can also conduct NCN transactions There are several types of termi
155. ess the ENTER key without keying any data when the Enter new name prompt appears After entry of the default name for use with Velocity PLUS systems the terminal displays the prompt Print Phone V concatenated with any previously entered phone number To enter a phone number or change an existing phone number press the BKSPC key The terminal responds with a prompt Enter new phone Key in the phone number 16 characters maximum followed by ENTER To eliminate a phone number press the ENTER key without keying any data when the Enter new phone prompt appears After entry of the default name and phone number if used or selection of print no print option the terminal displays the current scroll dwell time as a count of 100 msec intervals Thus a time display of Scroll Time 8 results in a dwell time of 800 msec This is the default time To change this time press the BKSPC key The terminal responds with a prompt Enter New Time Key in the desired new time followed by ENTER Note that this time cannot be less than 3 300 msec nor greater than 20 2 sec The scroll time configuration option also permits input of negative numbers Entering a negative number eliminates the Idle Prompt from the initial scrolling menu The scroll time takes the absolute value of the input data and uses it in the same manner as described above Therefore negative input data must be in the range of 3 to 20 Equivalence
156. essages after reprogramming call NCN If you are attempting a transaction from a terminal type other than Verifone contact NCN the POS terminal is sending a packet that the National Database does not recognize PROGRAMMING ERR X The Verifone terminal has detected bad data in its memory It has been found that option 2 also clears the error D C MEMORY ERROR It remains frozen until memory is reinitialized or a programming error override is performed A CAUTION Reinitializing memory completely erases all credit card transactions check information and all programs from the terminal 1 To perform a programming error override press the 5 and 3 keys simultaneously and hold them down one or two seconds After this you can attempt another download however Verifone suggests that a reintialization be performed and all programs reloaded This is because even though the override worked you still can have corrupted memory that will cause problems later 2 To reinitialize the terminal press the 1 and FUNC ENTER keys simultaneously and hold them down one or two seconds After this you must reload all credit card and check programs 3 Powering the terminal off and back on does not reset it SERIAL NOT FND This message is displayed on the Verifone terminal when the host download computer does not recognize the number in memory location 001 You have probably entered you
157. established in the initial client setup 3 NCN Support Server Microsoft Internet Explorer 5 IES File Edt View Favoites Tools Hep e EBak gt 2 A Qseach Favorites Bristow Ehr Es we R Address E hitps w check net neneuppor default php Po Google y Bseachweb RseachSie Ep Page Into Up MHichiatt NCN Support Server ECHO Customer Support Brent Smith Logged In IB Agency Add New User Profile E Admin Users My Adi ae Username El Merchants Admin Merchants Password AA Merchant Groups confirm Password Transactions anise Name m View Logs i Last Name gt E Merch Statements Current Phone KB Pending History Address Adjust History let Report City Reports Daily Statistics State Y Merchant Statistics ZIP le Home le Logout Email Required Field E Done 18 18 nenet Figure 14 5 Add New User Screen In order to add a new user please follow these steps 1 Under the Admin menu select Users 2 Select the Add New User button at the top of the page 3 Fill in the following five fields Username Password Confirm Password First Name and Last Name Entering information in the six remaining fields is optional but highly recommended 4 Select Save and Return button This saves the information and refreshes the Add New User screen so that you can continue to add New Users When you have finished click on User
158. f additional days take longer and longer because of index files that the database routines must maintain To keep this table in check use either DailySummaryTableOps Remove Entries For Selected Date menu selection or the DailySummaryTableOps Empty The Daily Summary Table menu selection Billing File Generator 6 7 NCN Training Guide TITTI 00000000000 IONAL CHECK NETWORK Section gt A N TRANSACTION Activity Report Writer In this section e Printing a Transaction Activity Report e Merchant Table Management e Miscellaneous 7 Transaction Activity Report Writer This utility uses the ASCII billing files prepared by the Billing File Generator to print transaction activity reports for merchants It requires that these files have been produced in the enhanced format and detects and refuses to process original format files It produces two different reports the daily activity report and the period summary report zero padded site number Initial Steps Start up the Transaction Activity Report Writer program by clicking on the Report Writer icon or Win95 shortcut When the program runs for the first time it prepares a list of fonts supported by your default printer that can be used by the Report Writer it can only use non proportional variable pitch fonts If that list is empty you must use a different printer If the list is non empty select a font by clicking on it an
159. for this These buttons are somewhat cryptically marked but a useful hint reminder pops up if you pause the cursor over a button for a second To add a new entry to the database click on the button that has the icon on it Insert Record Use the mouse or tab key to move to fields that you want to fill in and enter the desired information When done click on the button that has the check mark icon Post Edit If a required field has not been set you cannot Post write the record It highlights the missing field for you If you begin editing a record and don t want to make the changes click on the button with the X icon Cancel Edit If in adding a new record you get a Key Violation Error it means that an entry for that merchant already exists Press the button with the X icon Cancel Edit then navigate to the existing record and press the Edit button to allow changes to be made to the record If you are managing a single Site after you have made the first entry of a record click on the Use fixed site number check box This speeds up subsequent data entry by automatically filling in the Site Number field for you Compliance Report Generator 8 5 If you are trying to find a specific entry in the database and clicking the navigation buttons is ineffective click on Search instead This pops up a dialog box that enables you to specify search criteria for finding the desired entry Report Template
160. h capture of credit card transactions Individual memory locations have a 2 4 digit number called a location Some locations can serve multiple general purpose functions e g data storage program storage while others can only serve a single specific function Transactions using these terminals start with the clerk either pressing a numbered key or performing some other action such as swiping a credit card The initiation action causes the terminal to execute a program stored in a specific location Each numbered key has a group of locations associated with it called key locations These groups of locations are numbered with the specific key determining the first digit Thus for example the key locations used for transactions initiated by pressing key 7 have addresses 700 712 Pressing key 7 momentarily displays a prompt stored in location 708 and then starts a program stored in location 707 to build up a data packet using the merchant location stored in location 704 and other data as entered using the program It dials the phone number stored in location 700 sends the packet and processes the reply packet using a program stored in locations 710 and 711 Verifone Terminals 10 3 Transactions initiated using other keys work exactly the same way using locations x00 x12 where x is any key in the range of 1 9 As transaction complexity increases the programs grow too large to fit in a single location so instructions e
161. he submenu item Fee Profiles A new screen will appear Select the Edit button on the right side ofthe Available Guarantee Fee Profiles and an new screen will appear Place the name and the description of the fee profile in the Identifier and Description of statement fields y NOTE The Description of Statement will appear on the customer statement Select the Class item from the dropdown menu Select the Add button A new screen will appear Underneath the Profile select which Class of Coverage is preferred for transactions to be billed Fill in the comment section and select the Update Button Qualification Criteria Protection Underneath the Qualification Criteria area select the following Select this checkbox if its decided NOT to edit or add this fee profile from the merchant profile setup location Enter a Maximum Check Amount This amount is described as the largest dollar amount to qualify for a guarantee transaction 14 8 NCN Training Guide 3 Qualified Transaction Depending on what kind of profile class was selected there are up to four options which can be selected or deselected y NOTE Some Qualified Transactions cannot be edited due to the type of profile selected 4 Select the Conditionally Qualified Transactions checkboxes that will apply in which the fees will be applied Typically most agencies will select all checkboxes when performing guarantee
162. hen the character is correct press the key again to terminate entry of that character When the terminal expects a new character pressing the key adds an underscore character to the right of the last entered character This gets replaced by the next entered character that appears as an alphabetical character When completing entry of data into the ZON Jr PLUS press the lt ENTER gt key twice or even three times if terminal is accepting number keys interpreted as letters If the terminal is accepting numbers as letters the first press of terminates the alphabetical entry mode and puts it in the numerical character input mode Pressing when in numerical input mode places the underscore character after the last Verifone Terminals 10 7 entered character in anticipation of a possible alphabetical character The final erases this underscore character and terminates data entry y NOTE NCN has an option to substitute numerical equivalent state codes for the alphabetical driver s license codes described above This can eliminate much of the awkward steps required to enter alphabetical codes Contact RMRS for more information on this option Downloading of Single Key Programs to the Terminal Most programs for VeriFone terminals use at least some memory locations outside the key locations This causes enormous problems with partial downloads due to the lack of automatic techniques to avoid confli
163. iance Report Database Merchant Table Maintenance Report Templates Printing Reports Miscellaneous 8 Compliance Report Generator This utility utilizes data extracted from incremental negfiles and transaction log files covering the appropriate date range to generate a compliance report database that contains an entry for each returned check and shows what the verification response or possibly the lack thereof was at the time of check presentation From this database a number of different reports can be printed First Steps Following Software Installation Upon first use of this utility you should set up a template as Report Templates on page 8 6 These templates initialize the header information that is printed in the upper left corner of reports Normally this is the name and address of your agency To do this select ReportTemplates and create a new one When you have filled in the appropriate information click on the X in the upper right hand corner of the screen to exit The information gets saved automatically Next click on Print Select Printer Font and choose a printer font You probably have several to choose from If present we recommend that you choose Courier New The other likely fonts are Letter Gothic and Line Printer The program interrogates your printer driver and asks for a list of all fixed pitch fonts Only fixed pitch fonts are used because of the need to have columns line up on the rep
164. id items reported in the previous message Reason Individual Check Transaction Limit Exceeded Messages Table 15 10 Transaction Exceeded Limit Messages Message Description CHECK TOO LARGE The face amount of the check is greater than the limit imposed by the merchant TOO MUCH CASH The amount of cash returned with the purchase exceeds the limit imposed by the merchant This message only appears if both sale and check amount are included in the request packet and cash back limits have been imposed by the merchant Reason Account Problem Messages Table 15 11 Account Problem Messages Message Description OUT OF AREA ACCT The federal reserve area of the check was not in the list of areas the merchant has specified as acceptable BANK STOP Bank has stopped account probably closed CUSTOMER STOP The account owner has requested that transactions on this account be stopped This is likely because checks have been lost STORE STOP The merchant has requested that all checks with this account be stopped AGENCY STOP The collection agency has requested that all checks with this account be stopped STLN FRGD Someone has reported that checks with this account have been stolen or forged Appendix and Quick Reference 15 15 Table 15 11 Account Problem Messages Message Description CHECK STOPPED
165. ieve transaction logs from NCN showtlog exe Windows program for building and viewing a transaction log database billing exe Windows program for generating ASCII detail billing files summary billing files and maintaining merchant info sn bat batch file negfile send with errorlevel reporting showlog bat batch file used to simplify display of file log eraselog bat batch file used to simplify deletion of file log errlevel bat batch file for interpreting DOS errorlevel returns from getfile exe negfile exe and sendfile exe NCISmodm sup modem setup file to configure attached modem usr28800 mdm US Robotics 28 800 setup file supral44 mdm SupraFaxModem 14 4 setup file NCISfget hlp help file used by getfile exe NCISfsnd hlp help file used by sendfile exe NCISnsnd hlp help file used by negfile exe NCISrule hlp help file used by NCNrule exe NCIStget hlp help file used by NCNtget exe order doc PKWare instructions for registering their shareware sharewar doc PKWare discussion of shareware seqnbr dat used to add advancing numeric ext to negfiles rule _hdr txt header information used when printing rule sets file log maintains a running log of file transfer sessions dlog database tables for transaction log database tlog database tables for transaction log database idapi cfg Borland Database Engine configurati
166. ing and statement generation programs to properly sum results Y NOTE In order to use the Transaction Activity Report Writer program it is necessary to use the enhanced format That is the only format accepted by that program Original format 3 359 000010 Joes Flower Shop 19960424 33 685 1 1 6 294 10 189 The interpretation of each field in the above record is as follows 3 Record type fixed 359 NCN Site number 000010 Merchant number zero padded to 6 digits Joes Flower Shop Merchant name always 16 characters or 6 digits 19960424 Date of activity always 8 digits 33 Number of verifications performed of all types 685 Total dollar amount of all verifications 1 Number of first warnings given 1 Dollar amount of first warnings 6 Number of first declines given 294 Dollar amount of first declines given 10 Number of repeat verifications given of all types 189 Dollar amount of repeat verifications given Enhanced format 3 359 000010 Joes Flower Shop 19960424 16 201 05 6 136 63 1 1 23 2 2 46 6 294 12 2 50 12 7 The interpretation of each field in the above record is as follows 3 359 000010 Record type fixed NCN Site number Merchant number zero padded 6 digits NCN Training Guide Joes Flower Shop 19960424 16 201 05 6 136 63 1 1 23 2 2 46 6 294 12 2 50 12 7 Merchant name always 16 characters or 6 digits Dat
167. ir chain of stores NCN provides for a definition of a group of such stores Each location must be part of one group Furthermore each location can define one or more groups to comprise a group set used for filtering transaction activity The group filter selects only those transactions that Transaction Details were conducted at any store belonging to the group set Thus for example if an account had a total of seven transactions of which two were conducted at the current location perhaps five might have been conducted at other stores within the group set These transactions are tested against a different set of six thresholds that are defined in the rule set The six group set threshold limits are the same as was described for the six location threshold limits If the activity within the group set exceeds any of these six thresholds either the D output or the W output is TRUE and the system generates an appropriate message The system also allows testing of all transactions for the account using still a different set of six threshold limits As with the location limits and the group set limits these include day limits on the total number of transactions total amount of transactions and total cash back and window limits on the total number of transactions total amount of transactions and total cash back If the total activity exceeds any of these six thresholds either the D output or the W output isTRUE and the sy
168. it is that long it must be in the 999999 9999 location rule set format Ifit is not in this format it can be no longer than 6 digits DOWNLOAD This message is displayed on the Verifone You have either done a full download instead terminal 8 seconds after NO SERIAL USED ofa partial or you have done a partial AGAIN is displayed when you initially push the key the download without putting your serial number in check program is loaded on location 001 Use the RECALL feature to inspect location 001 make sure it is correct Re download the program making sure to do a partial download FUNC ENTER 0 ERROR IN ID This message is returned from the verification Ensure you are using the correct State code system if the ID Driver s License number is not alpha or numeric and that you are entering the compatible with the information stored in the ID correctly ruleset that was setup by your agency in the National Database system If you are swiping a magnetically encoded ID through the Verifone the data picked up on the magnetic strip probably has more than just the ID DL number encoded Try the transaction again entering the ID DL number manually ERROR IN MICR This message is returned from the verification If you are using a manual check program ensure the user knows how to key in the ABA and Account numbers If utilizing a checkreader inspect the check to ensure the appropriate symbols a
169. items 21a through 21h allow the selection of such items By default if none of these items are marked as selected NCN assumes that 21a 21b and 21c are selected 21d through 21h are not selected Y NOTE The use of special purpose ID flags 1 through 5 must be coordinated through NCN management NCN Training Guide Warning and Decline conditions This option determines which type of result message is returned to the terminal when particular conditions are detected during the verification request evaluation If more than one condition is detected the more serious message is returned to the terminal Thus if a condition was detected that would return a warning message together with another condition that would return a decline message only the decline message is sent to the terminal along with if enabled by item 5a the reason or reasons for all detected conditions The defaults for this item are 2a D Account Problem 22b D Unpaid Items 22c W Transaction Limit 22d W Day Velocity Limit 22e W Window Velocity Limit 22f W Out of Area 22g D ID Flagged personal check 22h D ID Flagged payroll check e Group set list This set of ten 2 digit numbers specifies the groups to be used for transaction activity and returned check limit tests for this rule set see discussion of rule set item 4 If no groups are specified all groups defined in the system are used which is the same as accepting da
170. k NCN Overview e NCN Data Base e Transaction Overview e Site Setup 1 Introduction This section contains an overview of the National Check Network NCN and describes the NCN database It also provides an overview of the transaction process and the site setup National Check Network NCN Overview NCN provides on line check verification in a variety of configurations using either check MICR data to identify the account or any of four different identifications ID s The software processes personal checks payroll checks government checks and third party checks differently It accepts external negative files from a wide range of users throughout the U S including check collection agencies credit card processors and large merchant chains The system augments this negative check data with extensive information about each MICR account and ID presented to the system as part of each check verification This positive data base has much more value than the negative file since it can spot fraudulent check passing patterns prior to when the checks get returned by banks The system accepts dial in inquiries via telephone from point of sale terminals or from cash registers directly For each check approval transaction using checking bank and account data the MICR information on the bottom of the check provides the necessary input data to the data base This information includes the transit field A B A routing number plus bank i
171. k Reader Settings for the Nurit Terminals The Setting for the Magtek check reader to be used with the Nurit terminal is Comm mode 1 e Format 0002 e Baud 1200 e Parity even same as setting for the Tranz 330 The standard settings for any check reader to be used with the Nurit terminal is 1200 baud e 7 1 even parity e raw MICR with TOAD substitution e ending in lt CR gt or lt CR gt lt LF gt That s carriage return or carriage return and line feed either works These are the same settings used for any checkreader being attached to a Tranz 330 Terminal using NCN programs Nurit Check Verification download instructions The following sections are technician notes from Lipman USA regarding specifications and downloading of the NURIT series terminals NCN GENERIC Check Protocol using NCN system on an Lipman Nurit Terminal Technician Notes Minimum application version 04 64 11 4 NCN Training Guide Supported Checkreaders The following checkreaders are supported with the NCN Generic Check Protocol Table 11 2 Supported Checkreaders Check Readers RAW format MAGTEK format 0001 Welch Allyn format 00 SORICON format 25 RDM Check Readers Entering Terminal Identification data including rulesets Based on the Terminal ID requirements of the NCN national database the following information should be programmed in each terminal prior to performing a verification
172. k w ID All use non Soricon check reader Early dial if Loc 399 1 Sale amount if Loc 397 1 Uses extra Locs 380 399 In this table x is any integer between 2 and 9 inclusive Programs for the XL 300 with IVI Reader y NOTE The XL 300 requires a special cable for IVI rdr Table 15 3 Programs for the XL 300 with IVI Reader Program gs 9 Description Name XL300 MICR transactions with check reader input Soricon XL3789 Same functions as XL789 Programs for the TRANZ 330 Except for FK33x these programs all prompt for the check amount after getting the MICR or ID Five of them also prompt for the sale amount that is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the program always between 2 and 9 Programs for the TRANZ 330 work for all check readers Table 15 4 Programs for the TRANZ 330 Program Name Description FK33x MICR transactions with check reader input but NO CHECK AMOUNT SK33x MICR transactions with check reader input SK33xP MICR transactions with check reader input through PIN pad port SKS33x MICR transactions with check reader input amp sale amount SK33xM MICR transactions with manual keying of check data 33IDDx I D based transaction with driver s license 33IDSx I D based transaction with Social Security number Appendix and Quick Reference 15 3
173. kManager 3000 cccecccsseesscessceseeseeeseceeceeeeeeeeeseeeseeeseeneeeseeaes 10 13 Mastek ca aid 10 13 Stone West formerly Direct Data Cheq r c oooonoconoconoconononononnncononanananonn noo 10 14 Welch Alina ti kennenlernen 10 14 Verifone Terminal Other Setup Parameters nsenenennennennnen 10 14 Horizontal O E ae 10 14 Resetting Time and Date on Verifone Terminals 10 14 ZON Jr XL XL 300 TRANZ 330 nase 10 15 TRANZ 380 TRAN NZ A20 aa 10 16 Terminal Idle Prompt cccccccescceseesceescenceeseececeeecseeecssesaecnsecneesneeenseenaes 10 16 ZON Jr XL XL 300 TRANZ 330 TRANZ 380 TRANZ 420 10 16 ZON Jr PLUS eein e rd 10 17 Resetting the Terminal Idle Prompt back to the Default Setting 10 18 Terminal Troubleshooting ccccccssecsseesecessceseeeseeesecesecnseseeeeseecseensecnaeeneeennes 10 19 Communication Problems ccccccssssessesceseceecsceeeseeeeeeeseceaeaeeaeeeeseeceaeeaeeaeeas 10 23 Selection and List of VeriFone Programs from NCN c cccccesceeseeteesteeneees 10 24 Selection Giddens 10 25 Program ASE cies Seis Coes acceded dali AE ara AT nenn 10 26 Programs for the ZON Jr XL or XL 300 eeenennsenne 10 26 Programs for the XL 300 with IVI reader eesen 10 27 Programs for the TRANZ 330 ooo eececceccsessecsseceecseeeeseeeeececneenseesneesaes 10 27 Programs for the TRANZ 380 cnnennennessenennnnenseennen nennen 10 28 Prog
174. l Y NOTE If 10 is entered 30 is assumed so there is no need to make an entry for a regular bank and another one for a savings and loan in the same district NCN Training Guide Out of area checks receive a message usually a warning message but a decline message may be sent if desired indicating that the check is out of area unless there is one or more IDs associated with that account Allowing the presence of an ID to override an out of area condition accommodates naturally out of area accounts such as those from college students or military personnel Once an ID has been accepted by a local merchant the account is treated as local even though the Federal Reserve district may be far away Special limits for young accounts A new account is one that has never been seen by NCN There are two ways an account becomes known to NCN a verification transaction is conducted involving the account a returned check drawn on the account has been entered in the NCN database If an account becomes known through a verification transaction there is no information positive or negative on which to base an authorization In this case many merchants want to use a different set of criteria limits in evaluating the verification request until enough time has passed for a check to clear and thus generate positive information NCN allows for this by putting an account in the new category for a n
175. le some businesses such as equipment rental may require a blank check at the time of rental and fill in the amount when the equipment is returned These businesses run the blank check at the time of the rental with a zero or nominal dollar amount and then re run it when the actual amount is known The problem with repeat checks is accumulating excessive activity on an account and causing it to trip velocity thresholds unnecessarily The system detects repeat checks and inhibits the accumulation of account activity on repeat checks and labels entries on the Transaction Log appropriately All duplicate personal checks are treated as repeat checks and processed in this way The system also has similar logic for ID based transactions as shown in Figure 2 3 on page 2 8 The input information for ID based transactions includes the merchant location an ID one of the four forms available on NCN the check amount the sale amount optional and the check sequence number As with MICR based transactions the merchant location determines the various thresholds and limits for the check verification The ID however is transformed into a pseudo account number that the system uses in exactly the same way as the MICR account was used in Figure 2 1 and Figure 2 2 to check the transaction and velocity limits The program also checks the ID data base to see if the ID is associated with any account having unpaid checks The last part of Figure 2 3 shows tha
176. lecredit check format Primary Telephone Number for the terminal to dial for verification Secondary Telephone Number for the terminal to dial for verification If you do not have a secondary number you can use the same number as the Primary number Terminal ID number sometimes referred to as the Visa Terminal ID This Terminal ID number must start with the letter V For example V100 156 10 Check Reader Installed Yes or No If the answer to this is no then you are setting up the terminal for ID only Driver s License verification 12 10 NCN Training Guide e inorder to have them set the terminal up for you You need to supply the usual information phone number to dial the merchant you need put in i e V400 134 10 etc Hypercom Certifications via NCN The following information refers to the various Hypercom programs certified with the National Check Network The following certifications have been completed as of July 30th 2002 with Hypercom from NCN ISPOSIi Application Name SPOSi Application Version 06A Terminal make amp Model Application can be use on ICE 5500 Veification ACH and Payroll Transactions Verification Date June 10th 2002 SPOS7 Application Name SPOS7 Application Version 06A Terminal make and model T7 Series Verification ACH and Payroll Transactions Verification Date June 6th 2002 VHDT Application Name VHDT Application Version 8 1 Terminal Make and Model ICE
177. led Scroll dwell time in 100 msec intervals For the Transaction type above one of the three possible transaction types must be enabled If you attempt to disable all three the terminal displays an error message briefly and then returns to the beginning of transaction type selection If this happens the previously enabled transaction types still remain in effect CheckManager 3000 Terminals 9 5 Since configuration mode prompts for a password upon entry to the mode it never prompts for it again until an exit from the mode occurs Press ENTER to change to the next configuration option without altering the one currently displayed Similarly to move back to a previous option press ALPHA Making a selection for the final option printer enable disable or pressing ENTER at this option or pressing CLEAR at any point returns the terminal to the startup menu The configuration options take effect immediately as soon as you exit configuration mode For the Default agency name and phone number printed on receipts above if the printing of warnings and declines is enabled the terminal displays the prompt Print Name V concatenated with any previously entered name THIS NAME SHOULD ONLY BE USED WITH Velocity PLUS SYSTEMS To enter a name or change an existing name press the BKSPC key The terminal responds with a prompt Enter new name Key in the name 16 characters maximum followed by ENTER To eliminate a default name pr
178. lteration NCN Data Base The data base is a key element to powerful check verification systems The NCN system data base consists of information in three primary areas Introduction 1 Account information As checks are processed during normal transactions each new account creates a record in the data base All activity for the account accumulates entries in the record without regard to the possible existence of returned checks Thus the account information becomes a positive file with long term historical summaries and detailed data on recent transactions for all accounts active in the system This positive information allows merchants to process checks more efficiently for the 99 of their customers who never have returned check problems The account information also includes a summary of past and currently unpaid returned checks so it also provides negative information Access to this information uses the combined transit and account fields from the MICR line on the bottom of checks 2 Returned check information All returned checks that are still unpaid exist as entries in the data base This information is the traditional negative file that many check authorization verification systems use as the sole basis for the check evaluation Access to this information uses the combined transit and account fields from the MICR line on the bottom of the returned checks 3 Identification information The NCN system provides the capability to a
179. mation that appear at the top of each report Process each incremental file by clicking on Process Negfile This causes a file selection panel to appear Use this to select one or more files for processing The procedure for selecting multiple files is click on the first file desired scroll to the last file desired press the SHIFT key and then click on that file to select or deselect a collection of files that are not consecutive in the file list press CTRL and then click on the file Once the desired files have been selected select the appropriate Report Template to use in preparing the report Y NOTE If OPTIONS Diagnostic Mode is selected the program pauses on every record in the negative that is not type 10 This is usually highly annoying and unnecessary 7 After selecting the negative file or files and selecting the Report Template click on OK to start the processing Note that as these negfiles are processed certain errors can NCN Training Guide be detected These errors are recorded and can be viewed later The ErrorLog on page 8 8 describes this activity in more detail A CAUTION This utility does not protect against the processing of a negfile multiple times If this is done accidentally the compliance database is then have duplicate entries It is important to ensure that each incremental negfile is processed once and once only 8 Itis also up to you to decide which negfiles are pro
180. me clock RTC chip The terminal then prompts you through the following entries for resetting the date and time If you make a mistake press BACKSPACE and reenter the correct information 3 YEAR 1980 2079 Enter two digits for the current year For example enter 91 for the year 1991 Press FUNC ENTER 4 MONTH Enter a number 1 through 12 to identify the current month For example enter the number 6 for June Press FUNC ENTER 5 DAY Enter a number through 31 to identify the current day For example enter 14 for the date June 14 Press FUNC ENTER 6 HOUR 0 23 Enter a number 0 through 23 to identify the current hour in a 24 hour format For example enter 10 if the time is 10 a m enter 16 if the time is 4 p m Press FUNC ENTER 7 MINUTES Enter the number of minutes from 0 to 59 currently past the hour For example enter 14 if the time is 10 14 Press FUNC ENTER 8 SECONDS Enter the number of seconds from 0 to 59 currently past the minute For example enter 23 if the time is 10 14 23 Press FUNC ENTER 9 Day of week date The terminal displays the new date and time Terminal Idle Prompt The default Terminal Idle Prompt for the ZON Jr XL XL 300 TRANZ 330 TRANZ 380 and TRANZ 420 is the Date Time display The default for the ZON Jr PLUS is Ready All of these defaults can be overridden by entering an alternate Terminal Idle P
181. month MNGR PSWD When the host is responding to a conversion transaction with MANAGER NEEDED and this option is set to Y the terminal asks for the DDMM password Put Y to enable this option DDMM stands for current date DD day MM month Known Errors Error in ID Caused by the State Code not matching the structure of the driver license Example NY state code requires a 9 digit DL ID whereas a TX state code requires an 8 digit DL ID Anything more or less will generate this error message Mobile Cell phone Transactions Can I use a cell phone to conduct transactions This is a question that many people have asked Applications for this would include merchant s that do not have access to a phone line such as at trade shows or a delivery type business There is a solution that the merchant can obtain from his cell phone company Get a cell phone with an RJ11 jack whether built into the phone or an adapter When they go to the Cell phone company tell them to say they are plugging in a FAX MACHINE DO NOT tell them it is a terminal The Cell phone company gets confused or tries to sell the customer something they do not need Anything that allows a FAX machine to communicate works with any terminal Nurit Terminals 11 9 11 10 NCN Training Guide NATIONAL CHECK NETWORK Section Hypercom Terminals In this section e VisaNet Application
182. mputer You can open this comma delimited file in a program such as MS Excel or a database reporting program Support Server 14 23 Merchant Statements The Merchant Statements menu consists of four submenus that allow authorized users to access three types of merchant statements Current Pending History and Adjust History yY NOTE You must have Adobe Acrobat Reader installed on your computer to view the statements It is available at no charge at www adobe com Current Statements Click on the Current submenu to access the screen shown below ELIT Support Server Microsoft Internet Explorer zz lj xj Ele Edt View Favorites Tools Help E bak OA A Asesen GujFavortes Bristow Er Es WR Addiess htips wmw check net nensuppor defaul php Go Google y PSearchWeb Reach site Ej Paoelnio Up MHichlisht NCN Support Server Test Agency Brent Smith Logged In ls Agency Current Statements m Profile El Admin Users Filter My Admin E Merchants Admin IF merchants Merchant Groups Statement Generation Status aio Name F name F Incomplete Merchant Profile i 3 fresh Inactive past profile end date E Transactions ID lz i Pending awaiting profile start date View Logs Sl Merch Statements Merchants Current Pending History Merchant Name w Merchant ID Adjust History me pe El Reports Daly Statistics
183. n A new screen appears 216 x Eie Edit View Favorites Tools Help a Back gt OA A search Favores Bristow Eyr E Ww QR Address E hnps wmw checknet neneuppert detault php y o Google y Gp Seach web Reese Fagna Fup AH NCN Support Server Test Agency Brent Smith Logged In E agency Add New Merchant Group Profile El Admin Save and Return Users My Admin Agency Test Agency E Merchants Admin Group Name Enterprise Rent A Car Merchants Merchant Groups Group ID fie OS la Transactions Group Parent top level group DE Address1 123 Anywhere Steet IE Merch Statements Address2 utes obra city AJUS Mistery N ojal El Reports oe isuzu SS Daily Statistics Contact NamejJoe Isuzu Merchant Statistics Phone 12312312345 le Home Email kewl drive com le Logout Required Field el 18 18 nenet Figure 14 8 Add New Merchant Group Screen 3 Complete the following fields on the screen and press the Save and Return button at the top of the screen The screen refreshes and returns to the Merchant Group Screen It is recommended that all fields are filled in Table 14 2 Merchant Group Field Descriptions Field Name Description Group Name Name of this group to be created This is required Group ID Unique number up to 6 digits to assign to this group being created This is required 14 18 NC
184. n Can I compress and decompress individual files without using pkzip and pkunzip Answer Yes Use rmrscomp to compress a single file and rmrsdcmp to decompress an individual file Question One time I invoked a Toolkit utility and got a help screen How did that happen Answer Some Toolkit utilities require one or more command line argument If they are invoked with the wrong number of arguments all utilities retaliate by displaying a help message Question What do the files on the Toolkit disks do Answer fcomparm dat holds comport assignment site number password etc The file descriptions follow Table 3 1 Toolkit Disk File Descriptions File Name Description list com utility to view text files getfile exe utility to fetch files from NCN negfile exe utility to send a negfile to NCN sendfile exe utility to send general files to NCN pkunzip exe 99 66 PK Ware program to unzip zipped files pkzip exe PK Ware program to zip files rmrscomp exe RMRS utility to compress a single file rmrsdcmp exe RMRS utility to decompress a single file rulemain exe utility for creating editing printing rule sets NCN Tool Kit Table 3 1 Toolkit Disk File Descriptions File Name Description NCISrule exe utility send fetch and delete rule sets at NCN NCIStget exe utility to retr
185. nal Operation for DL Verification Once the Hypercom terminal is downloaded follow this procedure for running transactions 1 Press the CHECK key on the Hypercom terminal located just to the left of the 7 key The terminal responds with the prompt ENTER CHECK NUMBER 2 Key In the check sequence number as shown in the upper right corner of the check and then press the ENTER key The terminal responds with the prompt DRIVER S LIC NUMBER 3 Key in the DL number and be sure to include any letters that are part of the DL number The Telecredit format does not support mag strip DLs Press ENTER at the end of manual keying The terminal then responds with the prompt STATE CODE 4 Key in the code the State the license was issued You can enter a 2 digit number for the State or enter the two letter abbreviation for the State by holding down the lt SHIFT gt key and pressing the key with the letter you want Press ENTER at the end of keying The terminal responds with the prompt BIRTHDATE MMDDYY Hypercom Equipment 12 9 5 Key in the date of birth from the Driver s License The terminal requires you to enter 6 digits but since this piece of information is not sent to the verification system it doesn t matter whether it is entered correctly or not Press ENTER The terminal displays AMOUNTS0 00 Key in the amount of the check omitting the decimal point As you key digits it replaces the
186. nal assigned or created merchant number Merchant Name Name of Individual Merchant e g Tony s Tamales Billing Type Can be Transaction Based or Volume Based which can be selected by placing the cursor on the down arrow to the right of Transaction Based and clicking on it to open the drop down menu Merchant Start Used to establish a start date of verification for the system to start Date logging information in producing statements Non Required Fields Many of these options appear on the final printout of merchant statements Address 1 Enter Address of Business which appears on the statement Address 2 Additional Address Entry City Enter City of merchant State Enter State of merchant Zip Enter Zipcode of merchant Contact Name Main Contact Name at Merchant location Phone Telephone number to reach Contact at merchant location Email Email address of main contact person at merchant location Tax Rate Local service tax rate if applicable Minimum Fee Minimum fee flat rate for your merchant to use the service i e 19 00 per month just to use the service with or without any verification volume Terminal Type Point of Sale Terminal type at this location POS Application Terminal Application downloaded in the terminal other info Key Used Ifa Verifone terminal application key used on the terminal Merchant Group If this merchant needs assigned to
187. nals in use today with significant improvements developed over the course of many years The TRANZ terminals are sold much more frequently today than the earlier ZON terminals The TRANZ line of terminals offers much greater speed capability and flexibility than these earlier terminals and the NCN system takes advantage of this increased performance Many merchants already have credit card terminals and do not want an additional terminal for checks They want to use the VeriFone terminal capability to have several different programs dialing different phone numbers with each program activated by pressing a different key NCN has a complete set of single key sometimes called single packet programs for this purpose downloaded through a computer with an 800 telephone number Even though ZON terminals are sold infrequently there is a large number of these terminals still in operation today Many merchants inquire about the possibility of using these terminals with the NCN system The ZON terminals also cost considerably less than the TRANZ terminals so collection agencies furnishing equipment have a strong motivation to use them instead of TRANZ terminals Unfortunately these terminals are significantly more primitive than the TRANZ terminals and operate at one fourth of the speed Merchants already having terminals in use for credit card authorization and wanting to add the code for connecting to the NCN system must do a little investigation
188. nd ABA and Account numbers exist in the MICR line The ABA number must be 9 digits long no more or less The Account number must be 4 digits or greater Verifone Terminals 10 19 Table 10 3 Terminal Troubleshooting Cont Display Message Problem Solution INVALID MEM SIZE This message is displayed on the Verifone terminal during a Terminal to Terminal download when the EPROM versions are incompatible Refer to page for proper versions and release numbers Power off the two terminals then back on again and read the display to determine if they are compatible EPROM versions should be the same KEY IN ACCT NUM This message is displayed as soon as you press the Check key on the Verifone terminal instead of INSERT CHECK The version release number of the terminal is too old Disconnect the power cord from the rear of the terminal reconnect it and check the release number See pages for correct version release numbers for each terminal type This also happens on a ZON Jr XL or XL 300 if you have input a 6 in location x06 x06 should be empty KEY IN ACCT NUM This message is displayed after you attempt to run a check through the checkreader either immediately or after the time out period Press CLEAR and try the transaction again If the problem persists 1t could be one of the following n DIP switches Soricon checkreaders only are improperl
189. o specific chapters that describe the different steps in detail on page 3 2 summarizes the flow of transaction log file information as the Toolkit creates the various files and reports described in item 3 above It shows the sequence of processing steps and the various intermediate results and it gives the references to specific chapters NCN Tool Kit that describe the different steps in detail on page 3 2 summarizes the flow of transaction log file information as the Toolkit creates the various files and reports described in item 3 above It shows the sequence of processing steps and the various intermediate results and it gives the references to specific chapters that describe the different steps in detail Detail Reports Merchant All Merchants COMPLIANCE Merchant set REPORT gt Single Merchant Summary Reports Agency NEGATIVE FILES GENERATOR All Merchants Merchants w Verification Phone Chapter 9 Merchants w o Verification Retrieval Mismatched Merchant Number TRANSACTION MERCHANT TRANSACTION LOG DATABASE LOG FILES DATABASE Chapter 6 Chapter 6 Chapters 7 8 9 TRANSACTION FILE eee ACTIVITY CONVERSION REPORT GENERATOR trn_conv WRITER 8 Chapter 6 ES Chapter 7 Chapter Daily Billing File ASCII Period Billing File Transaction Merchant Transaction Reports Log Files Inactive Merchants Day by Day Report Missing Merchants Period Report Figure 3 1
190. o view this buffer in exactly the same way as the transmit buffer When finished press the ENTER key one last time and the terminal returns to its normal operation NCN Training Guide Configuration Mode The Configuration Mode requires a different password than the Setup Mode and a more complicated sequence of keystrokes to enter This process is to Fine Tune the setup and configuration of the terminal program that was downloaded from the NCN Terminal Download System Just as in the case of setup mode start at the initial menu and perform these steps 1 Press ENTER The terminal displays Setup Mode 2 As soon as the Setup Mode appears press ALPHA This must be done before the first parameter appears in setup mode a period of about one second The terminal prompts for a password 3 Key in the configuration mode password followed by ENTER y NOTE The Default Password for the Configuration Mode is RMRS CFG Numerical equivalents only Or 7677234 Y NOTE The configuration mode has a sequence of options using a set of scrolling menus 4 Select the desired option by pressing the key designated in the menu The available options choices include Transaction type four choices Enable disable check amount Enable disable sale amount ID type three choices Enable disable printing of warnings and declines Default agency name and phone number printed on receipts if printing enab
191. ocation 960 from a 2 to a 1 Just be sure to change it back after you re finished Verifone Terminals 10 23 Selection and List of VeriFone Programs from NCN The following tables help you select the features and the programs for VeriFone terminals from NCN 10 24 NCN Training Guide Selection Guide Table 10 5 Selection Guide ZON Jr XL TRANZ 330 TRANZ 380 SINGLE KEY PROGRAMS MICR any check reader w chk amount SK33x SK38x MICR any reader thru PIN pad port w chk SK33xP SK38xP amt MICR Soricon MR 1000 reader only w JRXLx chk amt MICR non MR 1000 reader w chk JRXLDx amount MICR w chk amount amp sale amount SKS33x SKS38x MICR w o amount non MR 1000 reader on FKXLDx FK33x FK38x XL MICR manually keyed w chk amount JRXLMx SK33xM SK38xM ID based DL w chk amount ZONIDDx 33IDDx 38IDDx ID based SS w chk amount ZONIDSx 331DSx 381DSx MULTI FUNCTION PROGRAMS MICR any reader 3 key w chk amount SP33789 SP38789 MICR MR 1000 reader 3 key w XL789 chk amount MICR non IVI reader 3 key w chk XLD789 amount MICR any reader plus Driver s SPMDLx SPMDL8x License MICR any reader 3 function 1 key SPxPYRL SPxPYR8 w chk amt MICR 3 function 1key w chk amt amp MFxPNTR MF38xPT W D print ID based DL w check amount amp 33DLxPT W D print Verifone Terminals 10 25
192. of the following images to download the latest version of a supported browser a am TT E Intemet Figure 14 1 Welcome Window To log in to the System 1 Click on NCN Support in the lower left corner of the screen to open the log in screen 2 Enter the following information Username assigned by your Agency Administrator Password initially assigned by your Agency Administrator Log on to the name of your agency assigned by NCN 3 Click the Login button 14 2 NCN Training Guide Agency Home Screen Upon entering the login information correctly the following screen displays on the Agency Home Screen 3 NCN Support Server Microsoft Internet Explorer 3 lj x Ele Edt View Favoites Toos Help E Back gt OA A Qsearch Favorites Bristow Ear Sp W R Address https www check net ncnsupport default php y Go Google y BpSeachWeb Bsearchsite Eb Page Into gt Fup gt MHichicht NCN Support Server ECHO Customer Support Brent Smith Logged In Agency ECHO Customer Support Home N Profile medm Agency Info Users My Admin Business Name ECHO Customer Support City Agoura Hills m arrena Admin Login Name echo cs State CA lerchants Merchant Groups Contact Person Rick Slater ZIP 91360 Email rslater echo inc com Phone 800 233 0406 El Transactions ESE 1 Echo DI view Logs ress cho Drive Address2 E Merch Statements Current Pending History Adjus
193. om Hypercom that may not include it The processor should run the TNMS download program supplied by Hypercom with the following setup 1 Edit Terminal page 1 of TNMS screen Check Service 12 MICR Number Check Guarantee Service Issuer Table Name TELECREDIT Acquirer Table Name TELECREDIT 2 Edit Terminal page 2 of TNMS screen Check Reader Installed Y Y or N 3 Edit Terminal page 3 of TNMS screen Acquirer Name TELECREDIT 4 Edit Acquirer page 1 of TNMS screen Hypercom Equipment 12 7 Host Message Protocol TELECREDIT Transaction Modem Mode 01 1200 BAUD Visa Terminal ID V lt NCN Terminal ID assigned by you gt Primary Telephone No lt phone number for your Velocity PLUS or NCN gt Secondary Telephone No lt alternate phone number of the system gt Edit Acquirer page 2 of TNMS screen Issuer Name TELECREDIT The Terminal ID must start with a V and then continue with the merchant location code you want to use on the NCN system e g V500 50 5 Hypercom Terminal Operation for MICR Verification Once the Hypercom terminal is downloaded follow this procedure for running transactions 1 Press the CHECK key on the Hypercom terminal located just to the left of the 7 key The terminal responds with the prompt ENTER CHECK NUMBER Key In the check sequence number as shown in the upper right corner of the check and then press the ENTER key Y NOTE
194. on file NCN Training Guide Table 3 1 Toolkit Disk File Descriptions File Name Description Borland Database Engine disks These are to be installed ONLY if Transaction log files are to be retrieved and manipulated using the Windows programs showtlog exe and billing exe NCN Tool Kit NCN Training Guide NATIONAL CHECK NETWORK Section NCN Rule Set Maintenance In this section e Creating and Editing Rules Set Files on the Local Computer Communicating Rule Set Information to NCN List of Rules that can be Edited 4 NCN Rule Set Maintenance NCN rule sets control the way that verification requests from point of sale utilize information contained in the NCN database to arrive at a recommendation to be returned to the point of sale terminal display The NCN Communication Toolkit provides a way to maintain these rule sets on a computer at your site and to submit them electronically to NCN This gives you total control over the way the NCN system conducts verifications on behalf of your clients An electronically submitted rule set takes effect immediately so you can be extremely responsive to client requests to modify the way their verifications are conducted Creating and Editing Rules Set Files on the Local Computer 1 Switch to the subdirectory that contains the NCN Communication Toolkit c NCN 2 Invoke the rule set maintenance utility by typing rulemain l
195. on log can contain a variety of other entries such as log entries from errors As a consequence there are 13 statistics that can be extracted from a transaction log file the number of verifications results of each type 6 the dollar amount of each verification type 6 and the number of other entries 1 The Day by Day File There are two formats available for the day by day file An example of each form is shown below utilizing the same source data so that the differences can be clearly shown The examples are shown on two lines for clarity in the actual file each record is contiguous and terminated by a carriage return and line feed character The original format is identical to that used in older Velocity PLUS systems and is retained for use by programs written earlier so called legacy programs It summarizes the 12 statistics in a convenient form the first two data values sum verifications and amounts and this is usually all that is required for billing purposes However it drops the cents portion of amounts and adds all repeats together so that it is not possible to determine the repeats that were AUTHs versus WARNINGs versus DECLINEs If this Billing File Generator 6 1 level of detail is required then the enhanced format must be used The enhanced format includes each of the 12 possible statistics with no commingling of values Thus it contains the most information but imposes a heavier requirement on invoic
196. one number 1 5 NCN site number 1 5 site 1 5 Verifone download ID 1 5 site setup 1 5 2 Document Name Soricon 10 20 special stop 1 4 state codes driver licences 2 12 status ID 1 4 T terminal idle prompt changing 10 16 Terminal to Terminal download 10 20 toolkit disk file descriptions 3 9 installation 3 2 overview file communication 3 3 toolkt frequently asked questions 3 5 transaction convert to comma delimited ASCII file 5 3 details 2 1 transaction code 5 6 transaction condition 5 6 transaction limit 1 4 transaction overview 1 2 transaction type 5 6 transactions activity report writer 7 1 activity report printing 7 1 adding raw log to composite database 5 2 check illustration 2 3 decline personal check 2 6 log files 3 2 merchant table management 7 2 payroll check 2 9 payroll check fist stage 2 10 personal check 2 1 retrieving site record 5 1 transmission general file 3 3 Tranz 13 1 TRANZ 330 10 2 10 4 10 5 10 17 10 18 TRANZ 340 10 3 TRANZ 380 10 3 10 4 10 5 10 17 10 18 TRANZ 380 X2 10 5 U Unknown Loc Rule 10 23 UNSUCCESSFUL DL 10 23 V velocity limits 1 4 VeriFone Terminals 10 2 0000 0000 A W Waiting For Ansr No Answer 10 23 WAITING FOR LINE 10 23 X XL 300 10 4 XL 300 10 2 Y Y cable 10 5 Z ZON Jr PLUS 10 2 ZON Jr XL 10 2 10 4 Index 0000 0000 A 4 Document Name
197. ons for the date range required for the billing cycle 2 From Windows run the Billing File Generator program For Windows 3 1 this can be done by selecting Program Manager File Run and typing NCIS billing in the dialog box For Windows 95 98 ME this can be done by selecting Start Run Open and typing NCIS billing in the dialog box or use the program group or shortcuts created during software installation see Toolkit Installation on page 3 2 3 Build the Daily Summary Table by selecting Daily Summary Table Ops Add Entries For Selected Date and adding transactions for the desired dates 4 Create the day by day billing file by selecting Make Per Merchant Per Day File This causes a dialog box to appear Fill in the dialog entries as follows a Enter the date range desired for the billing If the database does not contain information for some of the days in the date range you are warned At this point you can either abort or continue You MUST type your site number Leave the All Marked Sites box unchecked The Include Days With No Transactions box can be checked if you want zero entries in the billing file for days that the merchant conducted no verifications The Include Merchants With No Activity box can be checked if you are maintaining a Merchant Database and you want to include entries in the billing file for merchants that had no transactions on any day in the billing period This also enables the cre
198. or all checks The merchant can still enjoy the protection of velocity limits on numbers of checks with this option even though he cannot set limits on dollar amounts Option to Omit Sale Amount Sale amount as distinct from check amount must be present only if the merchant allows for checks written in excess of the purchase amount and he wishes to have limits on the amount of cash back Since few merchants outside of the grocery business extend this privilege the CM 3000 makes this optional NCN Training Guide ID Based Check Verification Some merchants need the CM 3000 to run a check verification using only an ID such as a driver s license For example a pizza delivery merchant may want to run an ID transaction when an order is phoned in and then later verify the check itself when the delivery person returns with it e MICR Validity Checking and Easy Re scan The CM3000 program tests the MICR results after each reading of a check and detects some of the obvious problems If it detects an error it displays a suitable message momentarily and then prompts the clerk to re scan The clerk can simply reinsert the check without having to reset the terminal and start over If the clerk continues to have problems with a specific check he can simply start keying in the MICR data manually see next item below Manual MICR Entry Always Available Whenever the terminal displays a prompt to insert the check for automatic reading the clerk c
199. or users with special permissions to change general agency parameters The following options can be changed Agency Info This information lists the company s general information which is printed on each statement produced for your customers Statement The setting adjusts the current statement period at which statements are generated and placed in the Pending folder The default setting is the last day of the current month Agency Note This is a note area for use to place any type of notes for your agency s use Agency Sites This setting is setup by NCN to reflect your agency s site number s This cannot be edited by your agency Fee Profiles Fee profiles are templates designed for attaching fees to each merchant and applying them to every transaction generated from that merchant into the verification system The result of using these fee profiles are reflected as charges on each merchant statement produced at the end of a billing cycle Once profiles are created agencies will be able to easily choose or modify templates when setting up a new merchant or customer There are two types of fee profiles managed with the NCN Support Server 14 4 NCN Training Guide Standard Fee Standard Fee profiles apply to all non guarantee transactions or transactions not meeting guarantee qualification criteria Options exist for supporting both paper and ECC Electronic Check Conversion or limiting the scope of the
200. orm this step is the primary cause of problems with credit card programs Finding unused key locations 1 The following approaches have been used to find a set of unused key locations None of these approaches works in all cases and usually it is necessary to try a combination of these techniques Call the credit card processor and ask them which keys are available This is the most reliable approach but it requires some perseverance to reach someone who actually knows the correct answer It also carries some risk since some credit card processors adamantly don t want anyone else adding code to their terminal and can attempt to prevent you from doing so Sometimes your merchant can assist you by placing pressure on the processor to cooperate Examine location x07 where x 2 3 4 9 If x07 lt empty gt the key is available If x07 G K beep then abort the key is available Ask the merchant which keys he uses for credit card transactions voids credits and batch functions Focus on unmentioned keys and ask if he ever uses them This approach is not completely reliable as there can be functions available that the merchant never uses or that someone else uses e g an accountant Try pressing a key that you suspect is unused and see what it prompts you for If the terminal displays UNUSED KEY then you have located an available key This technique can be used in conjunction with talking to the merchant and ma
201. orts This font selection only need be done once Finally to test your header the font selection and your printer connection click on Print Print Test Page This should produce a sample one page compliance report Building the Compliance Report Database The compliance report database is built by scanning incremental negfiles finding the returned item records there and performing a search of the transaction log database to find the verification transaction that most closely matches the returned item information It is from this database that all reports are printed y NOTE The contents of the compliance report database can be viewed on screen by clicking on Options Show Compliance Table Before examining the operational steps required to build this database it is useful to understand the search strategies employed and the partial match feature that gives the compliance reports unexpected power Compliance Report Generator 8 1 Search Strategies The returned item record provides the following information that can be matched against corresponding data fields in the verification records 1 MICR number Bank Routing Number Account Number when doing a MICR lookup 2 Date of check 3 Merchant number 4 Site number 5 Amount of check 6 Check sequence number the check number 7 ID when doing an ID lookup In attempting to find a matching verification transaction in the transaction log database the MICR
202. parameter the terminal does not prompt for it again until you start a new transaction or press the CLEAR key Setup Mode Data Fields Phone number for verification Merchant ID for verification Default state for driver s license entry Transmit buffer Receive buffer y NOTE The terminal must have defined data for the phone number merchant ID and default DL state before it runs a transaction ALL three parameters must have data This applies to the default DL state even if you do not plan to use a driver s license ID After viewing and possibly changing the phone number merchant ID and default DL state the terminal displays the transmit buffer and then the receive buffer The transmit and receive buffers normally are used only when investigating problems These are read only buffers The buffer display uses manual scrolling with the pound key H scrolling to the right and the asterisk scrolling to the left The terminal beeps if you attempt to scroll past either end of these buffers After pressing ENTER when displaying the default DL state the display shows Transmit Buffr gt Press the key to see the contents of this buffer with each key press displaying the next 16 characters of the buffer Pressing moves back to the left in 16 character steps When finished viewing the transmit buffer press the ENTER key and the display shows Receive Buffer gt Use the or keys t
203. peating until the clerk makes a selection The configuration mode allows adjustment of the dwell time for each scroll message plus elimination of the Idle Prompt if desired Automatic Transaction Start With Check Insertion When the terminal is scrolling the initial menu the clerk can start the transaction by pressing the appropriate key Or the clerk can simply insert the check into the CM3000 The terminal reads the check and starts the transaction automatically choosing the first transaction type that appears in the scrolling menu Again this saves training time reduces the number of keystrokes required by the clerk and simplifies terminal operation Menu SimplificatioN If a specific merchant only conducts one type of transaction the startup sequence simply displays the Idle Prompt and an Insert Check message in alternation This simplifies terminal operation Multiple Id Types The configuration mode allows selection of one of three available ID types Driver s license Social Security number Courtesy card Once configured the terminal always asks for the specified ID whenever the transaction type requires ID Option to Omit Check Amount Some merchants want the simplest possible transaction only using the MICR information This accelerates the process at the point of sale and simplifies clerk training The configuration mode provides an option to skip the prompt for check amount and substitute 0 00 as the amount f
204. r If any of these features are to be used it is necessary to build and maintain the Merchant Database The steps required to do this are 1 From Windows run the Billing File Generator program If you have not set up a program group or shortcuts during installation see sections 4 4 1 and 4 1 2 select Program Manager File Run and type NCIS billing in the dialog box for Windows 3 1 or select Start Run and type NCIS billing in the dialog box for Windows 95 2 Select Other Edit View Merchant Table Use the navigation control bar near the bottom of the dialog box to navigate from record to record and to put the database into add delete or edit mode A hint appears above the buttons in the navigation control NCN Training Guide bar if the mouse pointer is allowed to linger over a button to help explain what each button does 3 Only 3 fields are required in each merchant record Site Number Merchant Number and Accounting ID The other fields are used in other modules Tips After entering the first Site Number click on the Use fixed site number box Then it automatically fills in Site Number on each new entry Use the Search button to order the database in various way and to navigate quickly to specific merchants Generating the Day by Day Billing File rptxxxxx blg 1 Use the procedures described in Section 5 Transaction Log Utilities to build the transaction log database so that it includes the transacti
205. r make certain that the appropriate fee profiles are setup before setup of any new merchants This will allow the selection of the desired fee profile during the new merchant setup procedure See General Fee Profile Setup on page 14 7 to setup a fee profile The Merchants Admin menu contains two submenus Merchants and Merchant Groups Merchants The Merchants submenu contains a list of all merchants whether Unassigned Merchants or as part of a Merchant Group signed up for NCN Check Programs Click on the blue highlighted Merchants to display the Merchant window y NOTE The Agency Administrator and any other users with permission can only set up authorized Merchant Users so that they can use the NCN Support Server 14 12 NCN Training Guide Admin Merchants Screen The Agency Systems Administrator or other users with permission can Add New Merchants To add a new merchant 1 Click on Merchants under the Merchant Admin menu item to display Admin Merchants screen 2 Select the Add New Merchant button REE File Edt View Favorites Tools Help E Back gt A A Qseach GFavoites Brito yr Sh wy R Adress hips 7 wuw checknetnensupp Y Go Google f Google Toolbar control NCN Support Server ECHO Customer Support Brent Smith Logged In auto Agency Add New Merchant rofile El Admin Users My Admin Agency ECHO Cus
206. r SERIAL download number incorrectly into memory location 001 Inspect this location with the RECALL feature If it is not correct make the appropriate changes and try again 10 22 NCN Training Guide Table 10 3 Terminal Troubleshooting Cont Display Message Problem Solution UNKNOWN This message is displayed on the Verifone Check the number stored in memory location LOC RULE terminal when the host verification computer X04 using the RECALL feature and verify that does not recognize the number in X04 where it is correct X is the check program key Delete and reenter the Terminal Identification site Location ruleset UNSUCCESSFUL DL This message is displayed when the Verifone This could be due to bad telephone lines or terminal is unable to complete the program problems not related to the terminal Insure the download telephone is functioning properly and try the download again WAITING FOR LINE This message is displayed on the Verifone Insure the telephone line is properly connected terminal when the telephone line it is trying to access is in use or not connected to the terminal to the terminal Check to see if there is a telephone connected to the same line that can be in use or off the hook Check to see if the line has a dial tone Communication Problems There have been a few suggestions discovered in the field that have been invaluable in solving a v
207. r of reasons the unpaid item record was never received the record was received but a format error caused it to be rejected the payment record was typed wrong at data entry etc Because negfiles need to applied in strict order NCN enforces the following rule A new negfile is not be accepted by NCN if a previous negfile had any errors Instead of accepting the negfile NCN returns the error file or files the exception files It is required that those error files be corrected and submitted with name unchanged to ensure that negfiles are applied in correct order Frequently Asked Questions The Frequently Asked Questions section provides additional detail on the use of the Toolkit in a question and answer format The most important material is enclosed in boxes for emphasis Question What does NCN stand for Answer NCN is an acronym for National Check Network a state of the art highly cost effective centralized check verification system operated by Rocky Mountain Retail Systems in Boulder Colorado Question Is there anything else I need Answer Yes A US Robotics Sportster V 34 56K data fax modem and an available serial port on your computer An alternate modem that is supported by the Toolkit is the SupraFaxModem 14 4 Question What s so great about the US Robotics Sportster 56K Answer It s the modem used at NCN to receive your calls and it s always best to use matching modem types for hassle free calls
208. ram always between 2 and 9 Programs for the TRANZ 330 work for all check readers Table 10 8 Program for the TRANZ 330 Program Name Description FK33x MICR transactions with check reader input but NO CHECK AMOUNT SK33x MICR transactions with check reader input SK33xP MICR transactions with check reader input through PIN pad port SKS33x MICR transactions with check reader input amp sale amount SK33xM MICR transactions with manual keying of check data 33IDDx I D based transaction with driver s license 33IDSx 1 D based transaction with Social Security number SP33789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use check reader Early dial if Loc 923 1 Skip sale amount if Loc 712 1 Uses extra Locs 913 923 SPMDLx Always gets both MICR any reader plus driver s license and check amount never gets sale amount Uses Locs 914 921 regardless of key In this table 6699 x is any integer between 2 and 9 inclusive Verifone Terminals 10 27 Table 10 8 Program for the TRANZ 330 Cont SPxPYRL All three transaction types initiated by key x using a secondary menu to select specific type Skip sale amount if Loc x12 not empty Locs x13 x33 Check reader input can use printer port or PIN pad port MFxPNTR All three transaction types initiated by key x
209. rams for the TRANZ 340 enennnnnnensenneenneense nennen 10 29 Programs for the ZON Jr PLUS oooonccnicninccconoconcnoncnononnnonnccnnnconncnonnnos 10 29 1200C 340 Terminal Multilane System Setup oooooocconncnnnonnconoconocononanananos 10 30 Contents gt TRANZIT 1200C Programming csnsenseenseesnnnenenn nennen 10 30 Downloading TRANZIT 1200C amp Tranz 340 Terminals 10 32 11a02 340 5P34789 2 22 A 10 33 11 Lipman Nurit Terminals Check Reader Settings for the Nurit Terminals enenee 11 4 Nurit Check Verification download instructions 11 4 NCN GENERIC Check Protocol using NCN system on an Lipman Nurit Terminal Technician Notes ccecesceccsceeseeceeeeceeceaceaecaeeeeeeeeeaeeaeeaee 11 4 Supported Checkreaders ccccccccsccessceceeseeesecseeceeeeeeseeeeeecseeeneenaeenes 11 5 Entering Terminal Identification data including rulesets 11 5 Terminal operational reference instructions eeennnesene 11 5 Using Drivers Licenses iia euer nn 11 6 Driver s License State Codes ececescecseeeseecesecseseeeeceeceseeaeeeeeeteneaes 11 6 Merchant Parameters ecescssccsceeseeseeseceecceeseeseeseceaeeaecaeeeeeeeeeaeeneenee 11 7 KNOWS tara ae sds ede edo Se 11 9 Mobile Cell phone Transactions 0 ccccccescceseesseesceseceeceeeeeeeecsaeesteeeenaes 11 9 12 Hypercom Terminals VasaNet A ppl Cations sci crsstessccster
210. ransactions are NOT listed double check to make certain the merchant information was entered into the search field correctly Transaction activity for the date range area AND the merchant needs to be entered into the search area to obtain successful results At the bottom of the report the support server displays the total amount of the information provided in the search An example is listed below Average daily approved amount 1 97 Support Server 14 29 Average daily warned amount 0 00 Average daily declined amount 0 00 Average daily other amount 1 59 Merchant Statistics The Merchant Statistics reflects the total amount of activity for a date range entered into a search engine To lookup and view a merchant statistic for a merchant 1 Select the Merchant Statistics link underneath the Report submenu A new window appears 2 Input the information necessary to select the merchant and date range required for the search y NOTE By placing an asterick in the merchant field yields all of the merchants programmed into the support server 3 Select the Refresh buttons A List of Merchants will appear below Select the merchant to view the Merchant Statistic report Y NOTE If transactions are NOT listed double check to make certain the merchant information was entered into the search field correctly Transaction activity for the date range area AND the merchant needs to be ente
211. red into the search area to obtain successful results System Management Negfile This submenu item allows your agency to submit manage and retrieve negfiles via the support server Submit Negfiles to the national database To upload a negfile to the system 1 Select NegFiles submenu link under the System Management Menu item 2 Select the Submit File link on the top right hand of screen to open up a new user screen as shown 14 30 NCN Training Guide 3 NCN Support Server 151 xj File Edit View Favorites Tools Help Le b Back gt amp A A QSearch Favorites History Edy Sh W Address hitp 65 169 90 9 ncnsupport default php 7 Go Links ES NCN Support Server Test Agency Brent Smith Logged In we Negative Files Select to Manage Negfiles pp Manae Fies submit rile Retrieve Files Fee Profiles F tees Delete Files scope Type File Name w a2 SE ee status ff Timestamp MST ubmitted E E Merchants Admin mi NCN SFTP 20030114 nga NF65304 520 NCIS 11 6 KB 113 Comgete 2003 01 20 14 05 24 Jim Darden ro GRE mi NCN SFTP 20020709 nga NF00774 679 NCIS 4 59 KB 0 plete 2003 01 20 14 05 41 im Darden Transactions mi NCN SFTP 20020708 ngb NF00774 676 NCIS 6 72 KB 0 omplete 2003 01 20 14 05 52 Jim Darden 0 DEREN mi nen sFTP 20020705 ngc NF00774 671 NCIS 2 70 KB o Complete 2003 01 20 14 06 12 Jim Darden Siatements ml NCN
212. resent edit the error file to fix the offending records to send the purge exceptions NCN Training Guide Question Why would I need to fetch files from NCN Answer This provides a way to retrieve activity reports accounting reports new releases of the Toolkit new documentation etc Question If you re making sensitive and proprietary information retrievable as files what s to keep some other NCN site from looking at my data Answer Private files are given a name that includes the site number of the NCN site that owns the files such as rep01012 dat They can only be fetched by the matching NCN site Other sites receive an access denied response if they attempt to fetch another site s file Question How do I fetch files from NCN Answer Use this procedure a Switch to the Toolkit subdirectory type cd NCIS b Type getfile rep01012 dat document zip Y NOTE path information should not be included It is ignored if present Question Where do files fetched from NCN end up in my computer Answer They are always placed in the subdirectory from which the getfile command was typed usually NCIS Question How do I send a regular files not a negfile to NCN Answer Use this procedure a Switch to the Toolkit subdirectory type cd NCIS b Type sendfile d rawdata trash zip report 00109 dat Question Why are there two file sending utilities Answer NCN treats negfil
213. resetting 10 18 information packet illustration 1 5 installation toolkit 3 2 INVALID MEM SIZE 10 20 K KEY IN ACCT NUM 10 20 L limits daily 1 4 federal reserve 1 4 transaction 1 4 velocity 1 4 local computer editing rule set 4 1 log files transaction 3 2 LOST COMM W HOST 10 21 10 23 MAG TEK 10 20 merchant database generation 6 4 merchant table maintenance 8 5 N NCN database 1 1 overview 1 1 negative file 1 3 negative file functions 3 3 NO ANSWER 10 21 NO ENQ FROM HOST 10 21 NO SERIAL USED 10 22 0000 0000 A numeric state codes 2 12 O OMNI 380 480 490 10 3 overview toolkit 3 3 overview transaction 1 2 P PACKET ERROR 10 22 parameter definitions rule set 4 7 password unlock memory 10 17 10 18 payroll check first stage illustration 2 10 period summary file 6 3 period summary file generating 6 6 personal check calculate decline condition 2 6 logic for ID based illustration 2 8 transactions 2 1 personal checks transaction illustration 2 3 PIN number 10 22 PIN PAD port 10 5 printing compliance reports 8 7 PROGRAMMING ERR X 10 22 R reason codes 5 5 RECALL 10 17 10 19 10 21 10 23 report templates compliance report 8 6 RETRY 10 22 tule set communicating to NCN 4 3 creating and editing on local computer 4 1 functions 3 4 maintenance 4 1 parameter definitions 4 7 rules list that can be edited 4 3 S Sale Swipe 13 4 SERIAL NOT FND 10 22 setup agency name 1 5 agency ph
214. rious reasons Date Range Allows user to enter a range of dates within which to search Time Range Allows user to enter a range of time from 12 00 AM to 12 00 PM Mountain Standard Time Once all data is entered Click on the Search button either at the top or on the bottom of your screen to access the transactions Y NOTES If you have entered incorrect information click on Clear All either at the top or on the bottom of your screen to refresh the screen Resume entering information If the data you have entered is insufficient you will receive an error message in red print at the bottom of your screen If there isn t any activity or transactions based on the information entered the transaction screen is be displayed with the following message is displayed There are no results for your search Please try again Support Server 14 21 Upon a successful search you are able to view the transactions in a new window 3 NCN Support Server Microsoft Internet Explorer File Edt View Favorites Tools Help Ea Back gt gt D A GSeach Favorites Bristow Ghr Sh we Q Address El https www check net nensuppart default chp 7 Go Google y amp seachweb Research Site Eb Peas into gt Up A Hihi NCN Support Server Test Agency Brent Smith Logged In El Agency Download All Records Profile If you need a compression utility to un compress the download
215. rocessors They frequently do not want anyone else adding code to the terminal since it potentially could change their code and even possibly perpetrate credit card fraud Sometimes they change the password so that others cannot examine change locations or perform the download Others can be extremely cooperative and helpful Verifone Terminal Check Reader Configuration Several different check readers can be used with the NCN system The system requires that the check reader send raw unparsed data Spaces must be retained and the special MICR characters for which there are no corresponding ASCII character codes must be encoded as follows e TRANSIT symbol must be encoded as T or t e ON US symbol must be encoded as O or o the letter oh not zero e DASH symbol must be encoded as D d or e AMOUNT symbol must be encoded as A a or The following paragraphs explain how to set up the common check readers used with NCN Checkmate Older Checkmate check readers have a program CheckLoad that runs on a PC computer for configuring their check readers To install the Checkmate checkreader 1 Start the program by typing CHEKLOAD The program starts up and displays a list of applications for use with Velocity PLUS including Rocky Mountain Retail Tranz 3xx Rocky Mountain Retail XL XL 300 2 Highlight the desired application 3 Connect the cable between the PC computer and the check reader
216. rofiles Listing columns of completed Fee Profiles EE a Figure 14 3 Completed Fee Profiles which are available to use Editing Fee Profiles Select the Edit button at the right side of the type of fee profile which is chosen to edit Ele Edt View Favorites Tools Help back gt O A A Aseach Favorites lt HHistoy Ehr Sp E Address EI http 7 65 169 30 3 ncnsupport default php 960 Links NCN Support Server Test Agency Brent Smith Logged I Return to Admin Fee Profiles El Agency Profile lad New Standard Fee Profiles El Admin i i A Users Identifiet Descrptionifor Statement Select hyperlink to edit and existing fee My Admin New Profile I rofile E Merchants Admin Class Discount and Fee per Transaction Merchants add elect Add to create new fee profile E Transactions View Logs El Merch Statements es Fee Profile Used Qualification Criteria Processing Fees ending History Volume Basel 11 Editable in Merchant Profile Editable in Merchant Profile El Adjust History No Yes Class Fee per Transaction El Report Daily Statistics Qualified Transactions Fee Structure Merchant Statistics Jfa ona Banna onan M Non Guaranteed Paper and ECC Transactions UEUS Volume Rate E system Description Chack eracsssing ree Transactions Blocked from ACH Lerom To A ie Y Log and Batch Transactions 1 100 0 1000 M Represented or Repeat Transactions
217. rompt in a specific Memory Location Follow the instructions below to alter the Terminal Idle Prompt ZON Jr XL XL 300 TRANZ 330 TRANZ 380 TRANZ 420 1 Idle Prompt Press FUNC ENTER 2 FUNCTION Press 8 10 16 NCN Training Guide 3 ENTER PASSWORD Enter the terminal password to unlock memory information The terminal password supplied with each TRANZ 330 TRANZ 380 and TRANZ 420 terminal is 266831 You can enter this password by pressing 1 ALPHA ALPHA 6 6 8 3 1 For ZON Jr XL s and XL 300 s the password is simply 166831 _ The terminal displays an asterisk for each key entered except for the ALPHA key press After entering the complete password press FUNC ENTER Y NOTE Some credit card processors change the standard terminal password to one of their own If after pressing the FUNC ENTER key the display does not read what is shown in Step 6 then you can press CLEAR and repeat steps 2 4 or call the credit card processor and explain to them that you are attempting a partial download of your check program into one of their credit card terminals and you need their terminal password Enter the credit card processors unique password then press FUNC ENTER if applicable STORE WHAT Enter the desired memory location number 000 to 999 of the data you want to change In this case enter 0 3 0 or 0 0 3 0 for the TRANZ 380 030 Enter the characters yo
218. rther checks on the same account when the velocity exceeds a preset limit Transaction Overview Figure 1 1 shows the basic concept of a check verification conducted from a point of sale The point of sale terminal which normally has a check reader attached assembles a request packet of information This request packet includes both information specifying the specific transaction such as the MICR data and check amount and information NCN Training Guide specifying the origin of the transaction such as the NCN site number specific merchant location number and the rule set number for evaluating the transaction The point of sale terminal sends this request packet as a single transmission to the NCN computer over conventional phone lines The NCN computer receives the request packet and performs several steps to evaluate the transaction 1 Use the MICR or ID information to access data base information Account history Recent check writing activity Unpaid returned checks Use the Site Number and the Rule Set Number to retrieve the evaluation parameters 2 Evaluate the transaction 3 Create the response packet based on the evaluation results 4 Send the response packet and log the transaction The response packet sent back to the point of sale always includes the idle prompt and the basic response ACCEPT WARNING DECLINE In the case of warnings or declines the system sends additional information explaining the response to aid the
219. s Report templates contain two important pieces of information 1 A list of site numbers to include in a report 2 Header information to appear at the top of each report The system can have multiple templates with different data Most users however have only a single template that they use for every report Agencies serving multiple retail chains each with a unique site number can use the templates to control the data used in preparing reports for the different chains Every user should define at least one template To define a new template or edit an existing one click on Report Templates at the top of the main screen for the Compliance Report Generator This results in a new screen that contains four boxes of information The Report Templates box shows a list of defined templates Data for the highlighted template appear in the Site Numbers to Include in Report box and the Header to print on Report box These data can be edited whenever they are displayed To create a new template follow these steps 1 Enter the name of the new template in the Name and create new report templates here box Leaving this box causes the new name to appear in the list of Report Templates and the data in the other two boxes get erased 2 Enter one or more site numbers in the Site Numbers to Include in Report box The template cannot be used without at least one number in this box 3 Enter header information in the
220. s Florida Maryland Montana Nova Scotia South Carolina British Iowa Massachusetts New Brunswick Ohio Texas Columbia California Kansas Michigan New Mexico Ontario Wisconsin Driver s License State Codes Use either numeric or alphabetic code Table 11 5 Driver s License State Codes State and Code 01 AL 26 MI 49 UT 02 AK 27 MN 50 VT 04 AZ 28 MS 51 VA 05 AR 29 MO 53 WA 06 CA 30 MT 54 WV 08 CO 31 NE 55 WI 09 CT 32 NV 56 WY 10 DE 33 NH 72 PR 11 DC 34 NJ 81 AB 12 FL 35 NM 82 BC 13 GA 36 NY 83 MB 15 HI 37 NC 84 NB 16 ID 38 ND 85 NF 17 IL 39 OH 86 NS 18 IN 40 OK 87 NT 19 IA 41 OR 88 ON 11 6 NCN Training Guide Table 11 5 Driver s License State Codes State and Code 20 KS 42 PA 89 PE 21 KY 44 RI 90 PQ 22 LA 45 SC 91 SK 23 ME 46 SD 92 YT 24 MD 47 TN 25 MA 48 TX Merchant Parameters The following fields found within the terminal programming are described below When using multiple parameters fields the letters can be in any order and can be separated by any number of spaces Table 11 6 Merchant Parameters Parameter Description Merch_ID_Ver Merchant ID for Verification transactions Max size 24 Merch_ID_Cnv Merchant ID for Conversion transactions Max size 24 Manual_MICR Enables Manual entry of MICR Put Y to enable An
221. s on the left side of the screen to display the updated User Accounts Screen 14 10 NCN Training Guide My Admin The My Admin submenu allows individual users to access and change their personal information Click on My Admin to open the screen shown below MEE Eile Edt View Favorites Tools Help a Heak gt O A A Qseach Favorites Bristoy Edy Sp W R Address mps 2mwnw check net ncnsupport default php y 2 Google bSeachweb GBRseach site Fra yup AHi NCN Support Server ECHO Customer Support Brent Smith Logged In E Agency Profile My IA E Admin Users My Admin Username bsmith E Merchants Admin Merchants Password PF Merchant Groups Confirm Password 31 E Transact View Logs First Name Bm 7 E Merch Statements Last Name Smith gt Current A Pending Phone HA History A n Adjust History Address E Reports City Daily Statistics State Merchant Statistics E ZIP le Home le Logout Email Required Field Update E Done 18 8 Internet Figure 14 6 My Admin Screen The first five fields of this screen require input since this information enables you to log on to the Support Server When you log on to the Support Server for the first time your username password confirmed password first and last name have been assigned by the Agency Administrator and are automatically entered into the required fields Again its re
222. s whether manager approval is required before an account can be used as a payroll check If such approval is required the manager must use a specially programmed VeriFone terminal to communicate a payroll account approval packet to NCN If manager approval is NOT required then any account is accepted as a payroll account Unpaid check limits This group of options sets limits on the number of outstanding unpaid checks that are tolerated Only in very unusual circumstances would a number other than 0 be used here In fact these options may be left blank in which case the default is 0 Federal Reserve list The first 2 digits of the transit routing number indicate the Federal Reserve district where the bank is located that holds the checking account The Federal Reserve districts are numbered 01 through 12 If a bank is a savings and loan institution rather than a full service bank 20 is added to the Federal Reserve number where the savings and loan institution is located In addition 00 is reserved to indicate a US Government check and 80 indicates a traveller s check NCN allows the use of the first 2 digits of the transit routing number to indicate whether the check is to be considered local or out of area If no entries are made for this option all checks are treated as local If one or more entries are made for this option those banks and saving and loans that are in the listed Federal Reserve districts are treated as loca
223. saction Any word or phrase may be used but it is preferable to choose a name that includes some reference to the rule set number and to your agency This practice provides a way to easily determine which rule set is being invoked by transactions from a particular terminal This is a required rule set item and may not be left blank The NCN software sends a response packet back to the point of sale terminal that includes the above mentioned terminal idle prompt as the first 16 characters Most VeriFone terminals can strip this idle prompt off and then display the remainder of the message for the clerk ZON Jr PLUS terminals lack the capability to separate this idle prompt from the rest of the message so such terminals display the received idle prompt upon completion of the transaction On ZON Jr PLUS terminals the clerk must then press the 9 key to scroll the display to the right in order to see the response to the verification request This is easier for clerks to remember if the idle prompt is more descriptive e g PRESS 9 FOR ANS for those locations using ZON Jr PLUS terminals Group number This field allows selection of data from a group of merchants usually a specific store chain or merchants with similar characteristics Its use is for excluding NCN database information that is not tagged with the matching site and group number during the evaluation of a transaction When specified it should be a number between 1 and
224. seconds A retry usually succeeds PACKET ERROR Packet format problem AGENCY DATA ERR The terminal ID referenced an NCN agency number that has an illegal entry in its data file BAD TERMINAL ID The terminal ID has been improperly entered in the terminal UNDEF RULE SET The terminal ID references a rule set that has not been defined SERVICE CUT OFF All NCN transaction service has been terminated Reason Velocity Messages The following messages are velocity messages Messages with DAY refer to daily limits while the ones with WIN refer to window limits where the window is from 1 to 14 days as selected by the merchant LOC in a message means that the limit was exceeded when check transactions from only that store location were considered Appendix and Quick Reference 15 13 GRP in a message means that the limit was exceeded when check transactions from a group of related stores were considered ALL in a message means that the limit was exceeded when check transactions from anywhere were considered Multiple velocity messages can occur However within each of the three message groups shown below only one is output even if more than one limit was exceeded The priority is given first to LOC local site limits then to GRP group of stores limits and finally to ALL data from everywhere utilized Table 15 8 Velocity Messages Message Description
225. serial port for modem to use baudrate 38400 Set serial port send receive rate phonenbr 13034424596 Set phone number to dial to reach NCN sitenbr NCN site number password NCN password for this site linkstats no Diagnostic use only with US Robotics 28 8 Imargin 15 Left margin for rule set display printing 0 40 nendlines 0 lines between rule sets 0 form feed 0 10 The installation also sets up icons for Windows 95 98 ME 2000 shortcuts and supply an entry on the START menu Concise Overview Toolkit Use for File Communication The file communications programs run from a DOS window under Windows 95 Negative File Functions To send a negfile use the SFTP software over the internet General File Transmission To fetch files normally used only to retrieve report files or program updates type getfile lt filelist gt lt ENTER gt Y NOTE path info ignored in above lt filelist gt To send regular files type sendfile lt filelist with optional paths gt lt ENTER gt NCN Tool Kit 3 3 Rule Set Functions To edit or create a rule set for submission to NCN See Creating and Editing Rules Set Files on the Local Computer on page 4 1 type rulemain lt ENTER gt To send or fetch or delete a rule set to from NCN see Chapter 5 NCN Rule Set Maintenance for further information type NCISrule send 789 lt ENTER gt or NCISrule fetch 789 lt ENTER gt or NCISrule dele
226. ssecssececesecsseeeseeesecaecneeseeeeeseesaes 3 3 Rule Set FUNCIONA cui dia 3 4 Review Results of any Communications Action eeseenenennessenenne 3 4 Exception Pilsen as as u ak Re no nina 3 4 Frequently Asked Questions eessessssssssensenenensnnnsennnennnennnnnnnennsnnne nn cronos 3 5 4 NCN Rule Set Maintenance Creating and Editing Rules Set Files on the Local Computer 4 1 Communicating Rule Set Information to NCN eennsenenne 4 3 List of Rules that can be Edited ussseeseensensensensnnsnnsensennennn 4 3 Rule Set Parameter Definitions oooconncninconocnooncoononononnnonnncornnan nono corno nennen 4 7 5 Transaction Log Utilities Retrieving Transaction Records for your Site esensnnnsensesensenn 5 1 Add Raw Transaction Log to Composite Database 5 2 Converting Transaction Logs to Comma delimited ASCH Files 5 3 Format of comma delimited ASCII TG anne 5 4 Contents iii 6 Billing File Generator The Day by Day File itn pa EE AEA E AE es 6 1 Orignal dor a aid 6 2 Enhanced format ar td da 6 2 The Period Summary File cccceccecssecseceseceseeeseeeseensecsseceeeseeeeesecseeesaeeaeenes 6 3 Original format tania aria 6 3 Enhanced Mini acosa ne 6 4 General Information Merchant Database and Billing File Generation 6 4 Generating the Day by Day Billing File rptxxxxx blg 6 5 Genera
227. ssigned to you from NCN there is an option to select which site number you want to use it from drop down box 3 Select Add 4 Select the Save and Return button to save these entries and return to the Merchant Profile screen y NOTE Repeat the above steps for entering multiple locations and or rulesets Support Server 14 15 Taxes 1 Select the Edit button on the right side of the title Taxes A new screen appears 2 Enter the percentage amount to charge in all of the fields labeled for local or state tax 3 Once you have made changes to the information on this screen Select the Save and Return button Your computer screen refreshes itself You are directed to the Merchant Profile screen y NOTE Once a tax rate is established this rate may be selected included to any fee profiles See Editing Fee Profiles on page 14 6 on including tax rates with fee profiles Other Fees 1 Select the Edit button on the right side of the title Other Fees A new screen appears 2 Enter the Start Date and end date if applicable fee description and amount Select the tax box if the item or service is taxable 3 Once you have made changes to the information on this screen select the Save and Return button Your computer screen refreshes itself and you are directed to the Merchant Profile screen Guarantee Fee profile 1 Select the Edit button on the right side of the title Guaran
228. stem generates an appropriate message The system provides for two threshold limits on each individual transaction the amount of the transaction and the cash back for the transaction If the transaction exceeds either of these two thresholds the T output isTRUE and the system generates a CHECK TOO BIG or TOO MUCH CASH warning The final test shown in Figure 2 1 on page 2 3 uses the MICR data to determine if the bank on which the check is drawn is within an appropriate Federal Reserve district Much fraudulent check passing involves altering the MICR data to cause a check to be processed at a remote Federal Reserve site This gives additional time before the check bounces Therefore it is important to verify that each check is local and is processed by the appropriate local Federal Reserve bank or that the customer has previously presented a good check so is known to the system Acceptance of out of area checks from repeat customers is important to some merchants who serve reliable but transient populations such as military personnel Since some locations draw customers from more than one district the system allows each location to specify an allowable Federal Reserve set Each check is compared against this set and if it comes from a bank not in the set the O output is TRUE and the system generates an appropriate warning unless the customer presents an ID that is known to the system and is good unflagged Note that accepting out of are
229. sults 3 4 Communications problems 10 23 compliance database erasing 8 9 compliance report agency reports 8 10 database building 8 1 detail reports 8 7 diagnostic mode option 8 9 error log 8 8 generator 8 1 partial matching 8 2 sample reports 8 9 search strategies 8 2 step for building 8 4 summary reports 8 7 0000 0000 A D D C MEMORY ERROR 10 22 daily limits 1 4 database adding raw transaction log 5 2 day by day file 6 1 DIP switches 10 20 DOWNLOAD AGAIN 10 19 download problems 10 23 drivers license numeric codes 2 13 drivers license state codes 2 12 E EPROM 10 4 10 5 10 20 ERROR IN ID 10 19 ERROR IN MICR 10 19 error messages download APPL NOT FOUND 10 19 D C MEMORY ERROR 10 22 LOST COMM W HOST 10 21 NO ANSWER 10 21 NO ENQ FROM HOST 10 21 PROGRAMMING ERR X 10 22 SERIAL NOT FND 10 22 UNSUCCESSFUL DL 10 23 WAITING FOR LINE 10 23 error messages terminal to terminal download INVALID MEM SIZE 10 20 error messages verification DOWNLOAD AGAIN 10 19 ERROR IN ID 10 19 ERROR IN MICR 10 19 NO ENQ FROM HOST 10 21 NO SERIAL USED 10 22 WAITING FOR LINE 10 23 exception files 3 4 F federal reserve limits 1 4 file functions negative 3 3 file transmission general 3 3 frequently asked question toolkit 3 5 Index G general file transmission 3 3 generator billing file 6 1 H Hypercom company 12 1 12 2 12 9 ID verifone download 1 5 ID status 1 4 Idle Prompt Terminal changing 10 16
230. sults in further prompts as outlined below 1 Once the unit is in UNIT CONFIG MODE Select the Enter Key in which the display reflects FUNC 2 Press the 1 key FUNC 1 3 PASSWORD Key in 246135 as the password followed by ENTER 4 Dwnld Phone Num Enter the phone number of the download computer followed by ENTER 5 Serial Num Enter the serial number sometimes called the download ID followed by ENTER 6 Application ID Enter the name of the application to be loaded using the ALPHA key as required to create letters followed by ENTER NCN Training Guide Once all the necessary information has been entered the download proceeds automatically with the display showing the progress When complete the terminal displays DOWNLOAD COMPLETE Remove and reapply power to resume normal operation Use the Setup mode and the Configuration mode to set up the terminal as desired Setup Mode The Setup Mode allows you to key in commonly changed parameters such as the verification phone number and the merchant ID for verification once a verification program is downloaded It also allows you to view the most recent transmit buffer and receive buffer as an aid to troubleshooting To enter Setup mode 1 To enter the Setup Mode press the ENTER key in the startup menu The terminal briefly displays the phrase Setup Mode and then shows the current phone number 2 Press ENTER again to move to the next paramet
231. t lt ALPHA gt lt ALPHA gt 3 lt ALPHA gt lt ALPHA gt 7 lt ALPHA gt lt ALPHA gt lt ALPHA gt NCN Rule Set Maintenance 4 13 If the password contains leading trailing or imbedded spaces these must also be keyed NCN Training Guide NATIONAL CHECK NETWORK Section Transaction Log Utilities In this section e Retrieving Transaction Records for your Site e Add Raw Transaction Log to Composite Database Converting Transaction Logs to Comma delimited ASCII Files Format of comma delimited ASCH file 5 Transaction Log Utilities NCN records all verification transactions in a log file for each day These daily logs are maintained for 10 days by the NCN system and can be downloaded to your site for use in answering customer inquiries and preparing billing files This chapter describes how to download the transaction records for your site and how to add them to a database using a Windows program that allows specific records to be found and sorted in various ways It also explains how to use a utility that converts the binary transaction log records to a comma delimited ASCII file for those cases where subsequent processing of transaction log files are done with programs developed in house Use the following steps 1 Use the Toolkit utility NCIS tget to retrieve transactions for a specific day 2 Use the Windows program Import Tlogs to import the raw log file retrieved in step 1 into
232. t point the additional cost of the MICR based verification can be passed onto the merchant Payroll Check Transactions Payroll check transactions involve a significantly different rule set and sequence of events With personal checks the system places primary emphasis upon data associated with the account specified by the MICR data on the presented check Thus for example the system sets limits on the individual transaction other transactions the same day and all transactions within a velocity window Since a single payroll account can result in thousands of individual checks setting velocity limits on an account becomes impossible Payroll checks require a different approach The evaluation of payroll checks by the NCN system places primary emphasis upon the individual ID rather than upon the account itself The system does verify that the account has been authorized as a payroll account and that no returned checks exist on the account Assuming that these tests are okay it requires an ID in all cases and tests status and the recent payroll check cashing by the ID Thus the data base contains a record of the recent payroll check cashing transactions for each ID plus a list of locations authorizing the ID to cash payroll checks This approach places more emphasis upon the individual than on the account itself Figure 2 4 on page 2 10 shows the first stage of the logic followed by the system when a clerk initiates a payroll check transaction
233. t History Statement current statement period ends on October 31st 2002 at which time statements are generated and placed in Pending You aye until November 10th 2002 10 days to manually approve pending statements after which time all statements are E Reports Daily Statistics CASES Merchant Statistics approved Agency Note le Home e Logout Agency Admins David Durick Brent Smith Carol Gore Susan Woolf Jane Keller Rick Slater Jim Darden Phillip Bracewell Steve Hoofring Patricia AtlasWilliams Carissa Floyd Astral Pueblos en Navigation Menu a 13 18 nenes Figure 14 2 NCN Support Server Agency Home Screen y NOTE Due to constant enhancements to the support server may be items that are not listed in the graphics or text of this document Support Server Menu items The left side ofthe screen or Navigation Menu shows the selections of the support server The five main menus available are e Agency e Admin e Merchants Admin e Transactions e Merch Statements e Reports e System Management Support Server 14 3 Each of the five menus has a dropdown list available submenus Each submenu is highlighted in blue Clicking on any blue highlighted submenu changes the text on the right side of the screen The following sections guide you step by step through each menu and its submenus Agency Menu Profile The Profile submenu allow the Agency Administrators and
234. t each message contains exactly 16 characters The following pages contain an exhaustive list of all the messages that can appear in a response packet from NCN Identification Messages idle prompt spec This string is specified in the NCN rule set and is usually used as an idle prompt on VeriFone terminals CHECK VERIFY If a problem has occurred that makes it impossible to find an NCN rule set to use with this verification request this is the default lt iden message gt that is output Verification Result Messages Succeeded In NCN the result messages that appear when the verification request can be satisfied may be customized The messages shown below are the standard defaults that are used AUTH Muons This is the accept message issued by NCN There are no further messages following this one Example AUTH NUM 681 522 The authorization number is numeric only and starts at 000 000 and runs to 999 999 MANAGER NEEDED This is the warning message It usually is followed by one or more reason messages DECLINE CHECK This is the decline check message It is usually followed by one or more reason messages RE PRESENTED CHK This message appears when NCN processes a check that it had encountered in a previous transaction If the account has no other problems NCN returns an AUTH code as well Scroll to see this code 15 12 NCN Training Guide
235. t enter gt The system displays information about your site is maintained in NCIS fcomparm dat The symbol indicates that the program is waiting for a command All commands are single character A list of these commands can be obtained at any time by pressing the space bar Actually pressing any key that is not a valid command key displays a list of valid commands The following list appears press r to Read in new rule set press d to Display current rule set press p to Print current rule set press e to Edit current rule set press s to Save current rule set press x to eXit program 3 Always start by reading in the rule set that is be created or modified It becomes the current rule set referred to above and all subsequent operations are conducted on that rule set Do this by typing an r after the prompt You are prompted to enter the number of the rule set to be read If the rule set specified does not yet exist it is created by reading rule set 0 instead Thus rule set 0 serves as a master that you can customize This is a useful time saver because most rule sets contain similar or identical values When the rule set is read an automatic display of all rules defined in the rule set is sent to the screen At this point you are ready to edit the rules NCN Rule Set Maintenance 4 1 4 To edit rules ina rule set type e at the prompt You are prompted to specify the rule you want to edit All rules are spe
236. t information to the NCN application switch to the subdirectory that contains the NCN Communication Toolkit and enter one of the following To send rule set 789 to NCN type NCISrule send 789 lt enter gt To delete rule set 110 at NCN type NCISrule delete 110 lt enter gt e To fetch rule set 102 from NCN type NCISrule fetch 102 lt enter gt TIPS a IfNCISrule send is performed after each rule set modification by rulemain then the local copy of the rule sets match what is contained by NCN b Deleting a rule set is an infrequent occurrence but if it must be done always use NCISrule delete to perform the function If NCN reports that it successfully performed the deletion then and only then is the local copy deleted This ensures that NCN has the same collection of rule sets as those on the local computer List of Rules that can be Edited The following table list the rules that can be edited Table 4 1 List of Rules that can be Edited Definition 2 Rule set number 3 Terminal prompt 1 to 16 chars 4 Group number 5 Tender sequence options 5a Return reason list to terminal 5b Require ID if account has none 6 Transaction limits 6a Check amount requiring ID 6b Maximum check amount allowed 6c Cash back amount requiring ID 6d Maximum cash back allowed 7 Day velocity limits 7a Number of checks from anywhere NCN R
237. t is used to calculate cash back to the customer Note that the letter x denotes your choice of the key used for the program always between 2 and 9 Programs for the TRANZ 380 work for all check readers Table 15 5 Programs for the TRANZ 380 Program Name Description FK38x Same as FK38x SK38x Same as SK33x SK38xP Same as SK33x except check reader input through PIN pad port SKS38x Same as SKS33x SK38xM Same as SK33xM 38IDDx I D based transaction with driver s license 38IDSx I D based transaction with Social Security number 38IDCxS I D based transaction with courtesy card amp sale amount 38IDDxS I D based transaction with driver s license amp sale amount 38IDPxS I D based transaction with phone number amp sale amount 38IDSxS I D based transaction with Social Security number amp sale amt 15 4 NCN Training Guide Table 15 5 Programs for the TRANZ 380 Cont Program Name Description SP38789 Key 7 MICR transaction w o ID Key 8 MICR transaction w ID Key 9 payroll check w ID All use check reader Soricon Early dial if Loc 923 1 Skip sale amount if Loc 712 1 Uses extra Locs 913 923 SPMDL8x Always gets both MICR any reader plus driver s license and check amount never gets sale amount Uses Locs 914 921 regardless of key SPxPYR8 Same as SPxPYRL MF38xPT Same as MFxPNTR 380 Full interactive program capable
238. t least one ID associated with it If it does not and the verification request packet from the POS terminal did not include an ID then the transaction is refused with a message returned to the terminal stating ID IS NEEDED At this point the transaction must be repeated using a key that allows an ID to be entered as part of the transaction This option should ONLY be used when the point of sale terminal has the capability of prompting for an ID and including this in the verification request packet Single transaction limits apply to amounts involved in an individual verification request NCN Training Guide e 6a Amount requiring ID This sets the limit on the amount of a check that requires an ID to be included in the verification request packet Y NOTE For this particular limit 6a 0 is treated as special case If 0 is used for this limit it is always considered to be exceeded This in turn forces an ID to be required for all checks a feature that is used by agencies that are offering a check guarantee service through NCN e 6b Maximum check amount This sets the maximum amount of a check that is approved e 6c Cash back requiring ID This sets the maximum cash that can be returned without supplying an ID in the verification request packet This option is only usable when the point of sale terminal prompts the clerk for both the check amount and the sale amount Only then can cash returned be calculated e 6d
239. t returned checks from their own store they also care about returned checks from other stores in their group set Therefore the system provides a group filter that selects only those returned checks that were originally presented at a store within their group set Two different group threshold limits test this selected returned check data and generate a U output if the data exceed either limit Figure 2 2 also shows that the MICR data access the account information contained in the data base It is possible to stop an account manually with an agency stop collection agency wants to stop an account even after all returned checks have been paid store stop store decides that there have been too many bad checks on a specific account bank stop bank notifies agency that an account is closed or customer stop customer notifies agency that someone is using his checking account without authorization Any such stops affect the account status and generate an A output and decline check message in the Transaction Details 2 5 default configuration NCN also provides the ability to stop a specific range of check sequence numbers Customers can request this when their checkbook has been stolen and they don t want to close their account Checks that have a sequence number within a specified stop range also generate an A output and decline check message SITE LOCATION RULESET SET RULE SET RETURNED CHECK DATA ee ee M
240. t routing number indicate the Federal Reserve district where the bank is located that holds the checking account The Federal Reserve districts are numbered 01 through 12 If a bank is a savings and loan institution rather than a full service bank 20 is added to the Federal Reserve number where the savings and loan institution is located In addition 00 is reserved to indicate a US Government check and 80 indicates a traveller s check NCN allows the use of the first 2 15 8 NCN Training Guide digits of the transit routing number to indicate whether the check is to be considered local or out of area If no entries are made for this option all checks are treated as local If one or more entries are made for this option those banks and saving and loans that are in the listed Federal Reserve districts are treated as local Y NOTE If 10 is entered 30 is assumed so there is no need to make an entry for a regular bank and another one for a savings and loan in the same district Qut of area checks receive a message usually a warning message but a decline message may be sent 1f desired indicating that the check is out of area unless there is one or more IDs associated with that account Allowing the presence of an ID to override an out of area condition accommodates naturally out of area accounts such as those from college students or military personnel Once an ID has been accepted by
241. t the ID and the check sequence number are used in the repeat check detection Since the logic of the ID based check verification contains most of the features of MICR based check verification it provides most of the benefits associated with NCN It offers some advantages as well including ID based transactions do not require a check reader which reduces the point of sale hardware cost and requires less counter space ID based transactions can run on the extremely inexpensive ZON Jr PLUS terminal further reducing point of sale hardware cost e In states having driver s licenses with magnetically encoded numbers the mag stripe reader built into virtually all terminals can read the driver s license rapidly and with a high degree of accuracy Transaction Details 2 7 Clerks usually find it easier to key in ID s such as Social Security number than to key in MICR data and they do it more accurately SITE LOCATION RULE SET RULE SET ACTIVITY 9 CALSULATE ACCOUNT BASED LMITS PSEUDO ACCOUNT CALCULATIONS T D W CHECK AMOUNT amp SALE AMOUNT ID ID STATUS DATA BASE i ACTIVITY CONTROL amp REPEAT TRANSACTION LOG CHECK SEQUENCE NUMBER CHECK DETECTION Figure 2 3 Logic for ID based personal check transactions ID based check verification also suffers from some disadvantages with respect to MICR based check verification These disadvantages include ID based check verifications usually involve manual entry of
242. ta from anywhere There is no need to specify a group set unless a limit such as 7b 7e 7h 9b 9e 9h 18b 18e 18h 19b 19e or 19h as been specified e Canadian checks accepted When a check is used for micr input at point of sale Canadian checks can be detected by the presence of a dash in the sixth position of the transit routing field ABA number Some agencies may want to refuse verification for such checks due to collection difficulties This option allows them to indicate to NCN whether or not to refuse Canadian checks If this field is left blank then Canadian checks are NOT accepted Y NOTE If manual input of micr numbers is permitted at the point of sale terminal it is not possible to detect Canadian checks unless the clerks can be trained to include a dash in the proper place e Manager password for payroll authorizations The manager password is used for authenticating payroll ID and account authorization packets It consists of three alphanumeric characters that must be keyed at the point of sale to be included with packets sent to NCN for authorizing IDs for use with payroll checks and authorizing specific micr accounts for use as payroll checks This option is only relevant when either 13d and or 13e have been set to Y which is the default The default password here is YES which on a VeriFone terminal requires 11 keypushes to enter because of the alpha characters The manager to key YES must press 9 lt ALPHA g
243. te 789 lt ENTER gt Review Results of any Communications Action To view session log file the session log file contains a step by step report of the progress and results of each Toolkit communication session type showlog lt ENTER gt To erase session log file the session log file continues to grow with each session so it should be erased periodically To do this type eraselog lt ENTER gt Exception Files One of the key features of NCN is its database integrity Toward that end all negfiles that are received at NCN are extensively examined record by record to detect errors When an error is detected in a record that record is written to a file We call such files exception files There are two kinds of exception files format exception files and purge exception files When NCN processes a received negfile either one or both of the above files may be generated A format exception file contains records from the negfile that have some form of format error For example a field may be missing a required field may present but empty a numbers only field may contain letters a field may contain too many characters a driver s license form may be invalid for the specified state etc NCN Training Guide A purge exception file contains records from the negfile that specified a payment of a specific unpaid item but that unpaid item could not be found in the database Such records can arise for a numbe
244. ted at the point of sale terminal it is not possible to detect Canadian checks unless the clerks can be trained to include a dash in the proper place Manager password for payroll authorizations The manager password is used for authenticating payroll ID and account authorization packets It consists of three alphanumeric characters that must be keyed at the point of sale to be included with packets sent to NCN for authorizing IDs for use with payroll checks and authorizing specific MICR accounts for use as payroll checks This option is only relevant when either 13d and or 13e have been set to Y which is the default The default password here is YES which on a VeriFone terminal requires 11 keypushes to enter because of the alpha characters The manager to key YES must press 9 lt ALPHA gt lt ALPHA gt lt ALPHA gt 3 lt ALPHA gt lt ALPHA gt 7 lt ALPHA gt lt ALPHA gt lt ALPHA gt If the password contains leading trailing or imbedded spaces these too must be keyed Point of Sale Messages This document defines the format and content of packets sent by NCN in response to verification request packets from the point of sale The format of request packets is defined in a separate document and is not dealt with in this specification General Information The form of a response packet from NCN is lt STX gt lt iden message gt lt result message gt lt reason message gt lt unp loc gt lt ETX gt lt LRC gt where lt S
245. tee Fee Profile A new screen appears 2 Using the Drop down menu boxs select which kind of guarantee ECC or paper class to assign this merchant This will depend if there is a paper guarantee or ECC guarantee If there isn t any options to select underneath the drop down menu the guarantee fee profile needs to be setup See General Fee Profile Setup on page 14 7 for more information 3 Select the Edit button next to the subheading Common Settings to input a tax rate and or a minimum processing fee for the billing cycle Select the Update button 4 Select the Return to Guarantee Fee Profile Management button to return Select the Return to Merchant Profile button to return to the Merchant Profile screen The applied changes are reflected on this screen 14 16 NCN Training Guide Standard Fee Profile 1 Select the Edit button on the right side of the title Available Standard Fee Profile A new screen appears Using the Drop down menu box select which kind of Standard profile to assign this merchant This will depend if there is a verification ECC or Verification and ECC fee profile setup If there isn t any options to select underneath the drop down menu the guarantee fee profile needs setup See General Fee Profile Setup on page 14 7 for more information Select the Edit button next to the subheading Common Settings to setup a tax rate and or a minimum processing fee for
246. ting the Period Summary File IptxXXXX DBS ooooonoonoonniocnonnconoconocnos 6 6 Other TIPS a ta 6 7 7 Transaction Activity Report Writer A O ea Malone Re AA 7 1 Printing a Transaction Activity RepOlTt oooconnccnncnnonnnoninononncconocononanonn nooo nennen 7 1 Merchant Table Management ccccceccessceeseeseeseceeeceseeesecesecnseeeneenseesaeens 7 2 Miscel neos urana na a ea T sa a e Tart A ENa 7 2 8 Compliance Report Generator First Steps Following Software Installation enesesene 8 1 Building the Compliance Report Database 8 1 Search MAL ciao llen 8 2 PartialMAtChME cti it e And 8 2 Operational Steps in Building the Compliance Report Database 8 4 Merchant Table Maintenance ccnnenensenessssensennenne nennen 8 5 Report Templates 2 2 Renata ts ad 8 6 Printing Reports a EI ARRERI a 8 7 Detail RD airis 8 7 Summary Report aia 8 7 he Errorkos lt iex whee itegeatatiee teils doubaedtvesachentestedatea eesti asabidenie 8 8 Miscellaneous 4 e e e e 8 9 Erasing the Compliance Database ooonooninonincnnococonoconcnoncnononn nono ccnnnconannos 8 9 Diagnostic Mode Option cccccecscssecsseeseceeeceseeeseesseceeeseeeeeseeseeenseeeeees 8 9 Changing Compliance Table AppearanCe ooconiccnioninnnionoconcnononancnnncnnncono 8 9 Sample Repair tits 8 9 Agency Reports dianas 8 10 9 CheckManager 3000 Terminals Downloading Programs Using
247. tomer Support Email a nenn Admin Merchant ID Billing Type Volume Based gt Merchant Groups Merchant Nam Tax Rate 0 09 El Transactions Addressi Minimum Fee View Legs Address2 _ S Terminal Type E Merch Statements City POS Appl Current Pending State Key Used History gt Adjust History zip Merchant Group Ta Contact Name Merchant Start Date 10 18 2002 El El Reports Daily Statistics Phone Merchant End Date El Merchant Statistics ls Home Required Field le Logout Save E Done 18 8 Intemet Figure 14 7 Add New Merchant screen 3 Add the information in each field to complete the merchant entry See the information below these steps in descriptions of each field 4 Once you have made changes to the information on this screen Select the Save and Return button Your computer screen refreshes itself You are directed to the Merchant Profile screen Merchant Entry Field Description Please refer to the following table on the next page for the description of each field within the Add New Merchant window Four fields are required for a new merchant entry however for your benefit it is highly recommended that all fields are completed Support Server 14 13 Table 14 1 Merchant Entry Field Descriptions Field Value Field Description Required Fields Merchant ID A combination of the Agency ID assigned internally by NCN and the agency s own inter
248. u want to display as the new or Terminal Idle Prompt then press FUNC ENTER 0030 Y NOTE Memory Location 30 holds 16 characters in the ZON Jr XL TRANZ 330 and TRANZ 380 20 characters in the XL 300 and 30 characters in the TRANZ 420 ZON Jr PLUS The ZON Jr PLUS if downloaded with our Jr PLUS program displays CHECKCARE PLUS There probably is no need to change this since the terminal cannot be shared with another processor However if the need arises please follow the instructions below 1 2 Idle prompt Press FUNC ENTER FUNCTION Press 8 PASSWORD Enter the terminal password to unlock memory information The password is 166831 Press STORE WHAT Press 6 0 Verifone Terminals 10 17 5 60 Enter the characters you want to be displayed as the Terminal Idle Prompt then press Y NOTE Remember to press before and after each alpha character Resetting the Terminal Idle Prompt back to the Default Setting If you want to set the Terminal Idle Prompt back to the default Date and Time or Ready for the Jr PLUS this can be easily done by blanking out the alternate memory location Follow the instructions below 1 Idle prompt Press FUNC ENTER or for the Jr PLUS FUNCTION Press 8 ENTER PASSWORD Enter the terminal password to unlock memory or information and select FUNC ENTER The terminal password supplied with each TRA
249. ugged into the Hypercom terminal Mag Tek Figure 12 1 Mag Tek Check Readers Proper configuration for a Mag Tek check reader when attached to a Hypercom e 9600 Baud Even Parity e Commode 3 Data lt CR gt lt LF gt Format 0001 or Format 0002 Format lowercase toad substitution Format 2 uppercase TOAD substitution Hypercom Equipment 12 5 IVI MR 2100 MR 2300 Figure 12 2 IVI MR 2100 MR 2300 Check Reader Configuration for the IVI MR 2000 series of check readers e 9600 Baud e Data lt CR gt lt LF gt e TOAD substitution format CHECKMATE CMR431 Figure 12 3 CheckMate CMR431 Check Reader Configuration for the IVI MR 2000 series of check readers e 9600 Baud e Data lt CR gt lt LF gt e TOAD substitution format e Use Configuration checks SC00155 NCN Training Guide SORICON MR 1000 Figure 12 4 SORICON MR 1000 Check Reader Switch Configuration Switch 1 2 3 4 5 6 7 8 Position D D D U U D D D U Up D Down Hypercom Terminal Setup Information for Processor Setup For use with the NCN Check Verification Systems The following information should be supplied to the merchant s credit card processor This document explains how to set up the merchant s Hypercom terminals to use the Telecredit or RMRS format which Hypercom refers to as Format 3 All users of the standard Hypercom code have it but some processors have obtained custom code fr
250. ule Set Maintenance 4 3 Table 4 1 List of Rules that can be Edited Cont Definition 7b Number of checks from site group 7c Number of checks from site location 7d Cum amt checks from anywhere 7e Cum amt checks from site group 7f Cum amt checks from site location 7g Cum cbk checks from anywhere 7h Cum cbk checks from site group 7i Cum cbk checks from site location 8 Personal check activity window 9 Window velocity limits 9a Number of checks from anywhere in window 9b Number of checks from site group in window 9c Number of checks from site location in window 9d Cum amt checks from anywhere in window 9e Cum amt checks from site group in window 9f Cum amt checks from site location in window 9g Cum cbk checks from anywhere in window 9h Cum cbk checks from site group in window 91 Cum cbk checks from site location in window 10 Maximum payroll check amount allowed 11 Payroll check activity window 12 Payroll check velocity limits 12a Number of payroll checks in window 12b Cum amt payroll checks in window 13 Payroll ID approval requirements 13a Payroll ID must be approved somewhere 13b Payroll ID must be approved for site group NCN Training Guide Table 4 1 List of Rules that can be Edited Cont
251. umber of days specified by rule set items 16a for local checks and 16b for out of area Verification requests for accounts that are in the new state use the limits given in rule set items 17 18 and 19 A CAUTION Setting the new account hold period for either local checks or out of area checks to a non zero value requires setting alternate limits items 17 19 as well Otherwise any new account has NO limits until the end of the new account hold period 16a New local account window This sets the number of days a never before seen local checking account is to be considered new Setting this number to 0 inhibits the use of an alternate rule set limits 17 18 and 19 for local checks O to 14 days can be specified e 16b New out of area account window This sets the number of days a never before seen out of area checking account is to be considered new Setting this number to 0 inhibits the use of an alternate rule set limits 17 18 and 19 for out of area checks O to 14 days can be specified New account transaction limits These are the same as rule set item 6 except that they re only applied to accounts that are in the new state o New account single day velocity limits These are the same as rule set item 7 except that they are only applied to accounts that are in the new state e New account window velocity limits These are the same as rule
252. umber report shows all returned items that were assigned to a particular merchant number that matched up with a verification transaction that had a different merchant number This can occur for two principal reasons 1 The returned item was inadvertently assigned to the wrong merchant This causes the wrong merchant to receive payment for the check when it is paid 2 The merchant number has been improperly entered in the terminal at that merchant location This could cause the wrong merchant to get charged for the verification or even check guarantee Either of these situations is sufficiently serious to warrant a special report The format of this report is identical to the merchant compliance report Sample Report 1 Refer to that description for further details The report is shown below Sample Report 5 Mismatched Merchant Number Compliance Report Generator 8 11 NCN Training Guide NATIONAL CHECK NETWORK Section CheckManager 3000 Terminals In this section e Downloading Programs Using Unit Config Mode Setup Mode Configuration Mode Downloading Programs Using Unit Config Mode Terminal Error Messages Terminal Features 9 CheckManager 3000 Terminals The IVI CheckMate eN Check 3000 allows a SINGLE TERMINAL CHECK READER DEVICE to offer a high degree of check verification software flexibility This means you can offer your merchant base one terminal system that is capabl
253. use DatabaseOps Erase Date Range Of Logs To see what dates are in the composite database use DatabaseOps Show Contents or type CTRL C Y NOTE The composite transaction database is used as the source for producing billing records and so take care before removing transactions of a given date that they have been included in the billing database 5 2 NCN Training Guide The Transaction Log View program also prepares intermediate information required by other programs For example the Compliance Report Generator uses a by account index as prepared by the Transaction Log View routine To make this happen select Database Ops and mark the by account index option A CAUTION ALWAYS MAKE THIS SELECTION IF YOU PREPARE COMPLIANCE REPORTS This should cause a check mark to appear beside the option Note that clicking a second time causes the routine to erase the by account index and remove the check mark Converting Transaction Logs to Comma delimited ASCII Files This utility is to be used whenever there is a need to import the log files into a database program of your own Use the following steps 1 From a DOS prompt in the NCIS subdirectory type c NCIS gt trn_conv 19960815 1gt d tlogs 19960815 asc The utility requires two command line parameters A path to the NCIS binary transaction log the input file and A path to where the ASCII conversion is placed the output file To facilitate the use of
254. ut the proper data and format The second option is so easy and the first option is so tedious that you should obtain and use the configuration checks Verifone Terminal Other Setup Parameters Other setup options that you can configure are described in the following paragraphs Horizontal scroll Some messages have more characters than the 16 character display can accommodate When such messages are sent to the terminal only the first 16 characters appear To see the rest of the message the lt gt key serves as a right arrow The lt gt key serves as a left arrow if the display should move in the reverse direction On the ZON Jr PLUS the scroll keys are the 9 for scroll to the right and 7 for scroll to calendar Clock Resetting Time and Date on Verifone Terminals The following steps describe how to change the Date and Time display on Verifone terminals The Date and Time display is the default for the Terminal Idle Prompt 10 14 NCN Training Guide ZON Jr XL XL 300 TRANZ 330 To set the time and date 1 2 3 9 10 Idle prompt Simultaneously press and 3 DIAGNOSTICS Press ALPHA to begin the reset clock function RTC CHIP TEST The terminal displays this message for two seconds while it tests the real time clock RTC chip The terminal then prompts you through the following entries for resetting the date and time If you make a mistake press BACKSPACE and reenter the
255. xist to transfer control to other locations in general purpose memory that contain further program instructions Early terminals such as the ZON Jr PLUS have only very limited memory with a two digit address and only permit programs started by keys 1 5 Later terminals such as the TRANZ 380 have much more memory with a four digit address The basic concepts carry though the entire line however with increased memory and program capability in later terminals Setting up a terminal for a download usually requires examination of the contents of specific locations and storage of new data in these locations The following paragraphs explain these basic operations Verifone Terminal EPROM Versions Table 10 1 Verifone EPROM Versions Version Details EPROM Version Important things to be aware of concerning the Verifone terminals is the EPROM version and release numbers The EPROM version is displayed briefly when the Release Numbers unit is powered on Version and release numbers resemble the following ZON Jr XL Jr XL XE2AU2 8 XL 300 XL 300 LE2AU1 25 TRANZ 330 TZ 330 3E2EU2 1 TRANZ 380 TZ 380 9E2EU1 23 Where the bold letters represent the version and the underlined Table 10 2 Verifone EPROM Minimum Requirements Verifone EPROM Minimum Requirements Terminal Type ZON Jr XL The Verifone ZON Jr XL in order to work with a checkreader must be EPROM release number 2 8 or higher When using a Printer and
256. y Year Fixed 8 chars military time Hr Min Sec Var 1 to 6 digits 1 999999 Var 1 to 5 digits 1 65535 Var 1 to 6 digits 0 999999 Var 1 to 4 digits 1 9999 Var 1 to 2 digits 0 99 Var 0 to 7 chars empty 9999 99 Var 0 to 7 chars empty 9999 99 Var 4 to 12 chars see explanation below Var 1 to 28 characters Fixed 2 chars see explanation below Var 0 to 10 digits empty 3999999999 Var 0 to 23 characters Var 0 to 3 digits empty 255 Var 0 to 40 characters only ACH sites NCN Training Guide 08 20 96 13 29 31 886076 353 76075 1002 22 357 52 10 00 DEC itw 10288197812345 1R 3510 DL CA 1897 21 t123123123t 12345670 101 08 20 96 15 33 02 876076 353 78 23 22 20 00 AUTH 10288197812345 NU 08 2 1 96 00 02 16 34 353 12 25 AUTH 10788 197812345 NF 678 DL CA 1897 NCN returns one or more single letter reason codes with every warning or decline These correspond to the letters shown in Figs 2 1 and 2 2 Table 5 1 lists the possible codes Table 5 1 Reason Codes Returned with Warning or Declines Reason Code Explanation t Transaction limit exceeded d Day velocity limit exceeded w Window velocity limit exceeded o Out of area check u Unpaid items exist on the account i ID flagged a Account problem r Re presented check y Young account Transaction Log Utilities 5 5 NCN also provides a two letter transaction co
257. y help him recall a rarely used but important function Look at the plastic template on the keyboard or the terminal guide furnished by the credit card processor to see what keys are obviously used Many times the template has a key designated for checks commonly using one of the large national verification guarantee services If such a designation exists it is logical to overwrite the existing code on that key Record the existing terminal data for the download phone number in location 000 the terminal ID in location 001 and the application name in location 019 Use the examine memory procedure described in Section 3 2 and be careful to distinguish zero from oh zeroes have a diagonal slash through them one from T T has top and bottom bars and six from G must use context Verifone Terminals 10 9 4 Enter the download phone number 18007573583 for NCN programs in location 000 your specific 9 digit identification code in location 001 and the program name from the list in Appendix A in location 019 using the store data procedure Store data in a location on page 10 6 NCN assigns each user a unique identification code and uses it to make sure the program includes the correct phone number for verifications 5 Perform a partial download by pressing the following sequence of keys a lt CLEAR gt lt FUNC ENTER gt 0 Sometimes the TRANZ terminal responds with an additional prompt DNLD SPEED b
258. y other value blocks the keyboard for MICR entry You can use the check reader or RDM regardless of this field s settings The field is protected and can be set from TCC only Default_State Default state when Driver License is entered manually Disable_Trns Disable transactions keys Put a letter to DISABLE V Verification VERIFY Key C Conversion no key default trans D Void VOID key I ID Check FORCED key Nurit Terminals 11 7 Table 11 6 Merchant Parameters Cont Parameter Description Add_Prompts Additional prompts D Driver License Most common S Social Security C Courtesy Card B Cash Back A ACH card as check R Retype MICR y NOTE When verifying a Paycheck at least one ID letters must be specified D S C Anyway only one ID is transmitted Example D B Prompt for D L and enable Cash Back Print_Opt Control the printout of the following fields Each letter is representing one field Some fields are followed by a number x 1 5 that defines the number of characters to reveal from the right side of that field Example D4 prints the Driver License as 4321 Dx Driver License Sx Social Security Cx Courtesy Card Mx MICR info if RDM is used it is already defined as M4 H Host detailed Messages y NOTE If the letter H is omitted only the first message line is printed Example of standard settings H D4
259. y set Power off the reader set the switches power on and try again n Possible old firmware protocol reader MAG TEK MICR before 1996 or CHEQ R n Replace the unit with a known working reader n Replace the cable with a known working cable n An older reader Soricon IVI Checkmate could need cleaning Clean the checkreader and try again 10 20 NCN Training Guide Table 10 3 Terminal Troubleshooting Cont Display Message Problem Solution period LOST COMM The host computer has disconnected the phone This indicates that the phone line had problems W HOST line and the terminal lost communication with the host download or verification computer This message can also come about when the Verifone attempts to call a number from within Check your telephone line connections then an internal phone system that requires a 9 to attempt the download or verification again access an outside line It appears as if a connection was made with the download or If no other clients are reporting this problem verification system then abruptly dropped But then it is unlikely that the nation host system is the connection was made with the internal phone at fault system that did not know how to interpret the Verifone information and then dropped the line If you are attempting a download there can be a Try inserting a 9 and a pause if needed and problem with the 800 num

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