EMV - Banking and Retail
NBX - Fl Reconciliation and Settlement File Format AIS
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Formatted
ROLE NAME AREA (OF I SIGNATURE Dare
RESPONSIBILITY
Authors ected Business SNov 2003
Jenny Smith Crane updated
8 Nov
-on behalf of Post
Office Ltd aot
Product
Deployment
Technical
Architecture
DASign-off I David Gray Design
(Peer Reviewer) Authority,
Programme I Neil—GoodaiiBeveriey I Project
Director Dunn
Delivery
FI Reco!
Settlement File Format AIS
I NBAES/030
nciliation and Project:
Doc Ref:
COMMERCIAL IN CONFIDENCE
EMV Banking and Retail
1 Document Control
1.1 Document Information
I Horizon Release No: I S750
Document Title:
EMV Banking and Retail:
Format AIS
NBX - FI Reconciliation and Settlement File
Document Type:
Application Interface Specification
Abstract: This document details the application interface for Fl reconciliation and
I settlement between the Horizon domain and Post Office Card Account or
Alliance and Leicester.
putions POL Docu
Document Status: Draft
Originator & Gray
Reparimant: In Authority
Contributors:
Post Office Design Authority — David Gray
ment Control — Post Office Programme Office
Supplier Distribution: I EDS: Stev
e Leek
I Fujitsu Services: klaus-LoftlerJenny Smith
Client Distribution: N/A
I Table 14: Document Information
1.2 Document History
Version Date
Reason for Issue
Associated
WP /CT
0.1 5 Nov 2003
02 I 27 Jul 2004
First working draft. Based on document
produced by IBM entitled “NBE - FI
Reconciliation and Settlement File Format
AIS" version 2.0
Updated _to _reflect___the __planned
03 25 Aug 2004
implementation of the NBX application.
Updated to reflect the comments received
from version 0.2. Also includes changes in
the format for the Summary Detail Record
and Sub-total Record,
Table
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22: Document History
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1.3 Change Process
Any changes to this issued version of this document will be made, controlled and distributed by: -
1.4 Review Details
I Review ‘26th August 2004
Comments by
I Review Jenny. Smithf
Comments to :
Mandatory Review Authority Name
Post Office Ltd
Neil GoodaliBeverley Dunn, David Gray;
Post Office Lid
Fujitsu Services Ltd
Forny DrahotaRichard Hicks, David Johns
CitiBank
Ed Koslow, Susan Stewart
EDS
Steve Leek
lan Antrobus
I Alliance and Leicester
Optional Review / Issued for Information
I Post Office Ltd Bob Booth, Paul Warbrick Keith Fowler,
Jason Crellin-Slatchor
CitiBank John Ibbitson
EDS Keith Peers
I Alliance and Leicester
1.5 Changes in this Version
Version Changes
2.0 Summary Detail record changes.
Acquired Totals for Sub-total Record requires 0.00
Typing errors
Added local time definitions section 3.2.2
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1.6 Key Contacts
Name Position Phone Number
Bob Booth Solutions Architect i__.GRO
Table 444: Key Contacts
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1.7 Associated Documents
Reference Version I Date Title Source
44] RsiPowoo7R I 0.404 Community Information Security I Post Office ~ (Formatted: Bullets and Numbering )
S/POLI0O7 Policy — Network Banking
Automation
5.2) 1S08583 1987 Bank Card Originated Messages + (Formatted: Bullets and Numbering )
63) NBAFS/O27NB NBX - POCA Technical Interface I Post Office + (Formatted: Bulets and Numbering )
A Siete ‘Specification (TIS)
4] NB/IFS/O25NB I 4.54.5 Horizon to CAPO-AIS Horizon to I Post Office + (Formatted: Bullets and Numbering )
AFSIO25 CAPO AIS
44.4 NB/IFS/031NB I 0.40.4 Horizon - Card Account Mapping I Post Office + Formatted: Bullets and Numbering )
AFSIO34
42.4 NB/IFS/O29NB I 0.50.5 NBX - A&L Technical Interface Post Office — (Formatted: Bullets and Numbering j)
‘AFSI029 Specification (TIS)
43.4 NBNFS/O26NB I 4.04.0 Horizon to A&L AIS Post Office ~ (Formatted: Bullets and Numbering )
AFSIO26
44.4 NB/IFS/O34NB I 0.40.4 Horizon - A&L Mapping Post Office oe Formatted: Bullets and Numbering }
AFSIO34
CS/OLA/051 Operating Level Agreement for I Fujitsu + (Formatted: Bullets and Numbering )
Network Banking between Fujitsu I Services
Services and CAPO (EDS)
10.I csioLaos2 I 00 Operating Level Agreement for I Fujitsu + (Formatted: Bullets and Numbering )
Services
Network Banking between Fujitsu
Services and Alliance & Leicester
Table 555: Associated Documents
Unless a specific version is referred to above, reference should be made to the curren
the documents.
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Table of Contents
4 DOCUMENT CONTROL 2
14 Document Information 2
1.2 Document History 2
13 Change Process 3
14 Review Details 3
15 Changes in this Version 3
1.6 Key Contacts 4
1.7____ Associated Documents. 5
2__ INTRODUCTION 8
24 Purpose 8
22 Scope 8
23 Structure 8
24 Terms and Abbreviations 9
3__OVERVIEW OF RECONCILIATION INTERFACE 10
3.1 Data Description 10
3.2 Derivation and Use of Data 40
3.21 File Description 44
3.2.2 Selection of Data 12
3.3 Assumptions. 414
4 RECONCILIATION FILE FORMAT 15
44 Data Item List 45
444 General Record Element Defi 45
41.2 File Record Format Types. 15
413 Reconciliation File Data Elements 46
414 File Elements. 17
415 Relationship of Totals 24
42 Record Specification 22
424 Header-Record 22
422 Detail Record 23
423 Transaction Sub-total Record 25
424 ‘Summary Detail Record 26
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425 Summary Trailer Record 27
426 File Trailer Record 28
5__TRANSFER STRUCTURE 29
5.1 Transfer Grouping 29
5.2 File Structure 29
521 File Attributes 29
522 Record Summary 30
6 SECURITY OF TRANSMITTED DATA. 34
61 Overview 31
62 Protected Data 31
7_OPERATIONAL PROCEDURES 32
71 Overview 32
7.2 Processing Cycles 32
7.3___ Transfer Initiation and Protocol 32
8_APPENDIX A: A&L MAPPING 33
9 APPENDIX B: CAPO MAPPING 34
10 APPENDIX C ~- END OF DAY EVENTS. 35
41__ APPENDIX D - VOLUMETRICS. 36
11.4 Settlement & Reconciliation Files 36
4 DOCUMENT.CONTROL 2
+40 Informa 2
4.2 Document History 2
4.3—Change Process. 32
45—Ch thi 3
4:6 —Key Contact 43
4.7—Associated Documents a
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2—INTRODUCTION. 87
2.4—Purpose. 87
2.2—Scope 87
3 —Struct 87
2.4 —Terme-and Abbreviati 98
3.4—Data Description 409
3.2 Derivation and Use of Dati 409
3.2:4—File Descript Fir
3.3—Reporti 4443
3.4—Assumptions 1413
4A—Data ltem List 4514
4.4.4—Genetal Record Element Definitions. 4514
44.2 —File Record Format: 3544
4:4: — Reconciliation File Dato-Sloment 4615
4.4.4 —File Elementi T746
4.2.2—Detail Record 2224
4.2.3 —Transaction Sub-total Record 242324
424 Detait Record 252425
4 Frailer Record: 62526
4.26 File Trailer Record 270627
5— TRANSFER STRUCTURE 282728
2.2 Record = 192829
4 302930
6.2—_Need to Know. 302930
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6.3—Protected Data 302930
7—OPERATIONAL PROCEDURES 343034
7.1— Overview, 313031
7.2—Processing Cycles 343031
-3-—Tranefer Initiation and Protocol 313034
7.4 Control 343034
io ee & ies Procedures 213034
9—APPENDIX.B:- POCA MAPPING 343334
144 tlement & Reconciliation Fil 363537
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2 Introduction
2.1 Purpose
The purpose of this document is:
* To specify the End of Day Reconciliation and Settlement file format between the-NBX and the
Settlement Slave Financial Institutions (A&L_and CAPO),host systems where-reflecting the role ofthe
NBX is-acting.as theSettlement Master (see section 2.4).
* To provide the development teams-with sufficient detail to develop theagree the NBX — Reconciliation
File format.with the interested parties.
‘+ To provide a consistent communications vehicle amongst the development teams which have
responsibility for developing the various components comprising the application.
2.2 Scope
This document applies to the interfaces between the NBX and Financial Institutions where the NBX is acting as
the Master for reconciliation and settlement. It contains the detail of the Reconciliation and Settlement file
records sufficient to support the financial services being delivered by the NBX.
The Reconciliation (REC) File contains only Financial Transactions e.g. those transactions that change a
financial position - such as Withdrawal, Withdrawal Reversal, Deposit and Deposit Reversal. The purpose of
the file is to allow the reconciliation of all Financial Transactions between the NBX and each of the connected
Financial Institutions. The REC file does not include certain transactions with no financial impact, such as
Balance Enquiry and Pin Change, and thus does not provide a vehicle for calculating total transaction volume.
I This als will be used for both magnetic cards and for EMV cards; no EMV fields are notincluded because they
play no part in FI reconciliation or settlement.
2.3 Structure
Section 2 This section contains the Introduction
Section 3 contains a high level overview of the Reconciliation Interface.
Section 4 contains a detailed description of the reconciliation file format
Section 5 contains details of the transfer structure relating to the files created for this interface.
Section 6 contains details of security of transmitted data relating to this interface.
Section 7 contains details of Operational Procedures relating to this interface.
‘Section 8 Appendix A contains the mapping of A&L data to the Reconciliation file
‘Section 9 Appendix B contains the mapping of CA data to the Reconciliation file
Section 10 Appendix C contains a table of the events and timings related to End of Day processing
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Section 11 Appendix D contains volumetrics for each of the Reconciliation Files
2.4 Terms and Abbreviations
The terms Master and Slave are used within this document to define the relationship between the NBX and the
Financial Institution for Reconciliation and Settlement. For this document the NBX is the Master i.e. the NBX.
will provide the Slave Financial Institution with details of Reconciliation and Settlement based on transactions.
processed by the NBX for a settlement day. The Financial Institution will settle with Post Office on the basis of
these totals. Procedures for investigation and reconciliation of differences between Post Office and the
Financial Institution are outside the scope of this document.
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3 Overview of Reconciliation Interface
3.1 Data Description
This interface describes the issue of reconciliation and settlement data at the end of each business day from
the NBX for each of the slave Financial Institutions.
3.2 Derivation and Use of Data
The NBX logs details of all transactions during the business day.
At the end of the business day timed events at 20:00 trigger end of day messages to slave Financial
Institutions to notify the FI that the NBX has started its End of Day processing for the current business day, and
has changed to the next business day. ‘End of day’ messages to slave Financial Institution's
are as specified within each of the NBX Financial Institution AIS documents._AVter the Agents have sent the
End Of Day message to the F' all new transactions for that Fl will have the new Settlement Date (incremented
by 1 day). Within the NBX all messages have a Settlement Date as day, month and year only. The
Settlement Date is equivalent to the business day and spans from 20:00 the previous day to 19:59:59 current
day (Settlement Date) and is also the same as NBX_DATE on the Reconciliation File. All messages within a
unique transaction (ie R3, A1, E1) have the same Receipt Date (including time) and Settlement Date.
Eq. Business Day from 24/08/2004 20.00.00 to 25/08/2004 19:59:59 Settlement Date = 25/08/2004
There are confiqurable cut off times (eg.20.10) used to specify the time until a reversal can be included in the
file for the Settlement Date being settled.
used to construct the files used for Reconciliation and Settlement,
‘The Agents store transaction information in a database. The Reconciliation and Settlement file generation
process is triggered off by the change over to the new business day and after the End of Day messages have
been sent to the Financial Institutions (CAPO and A&L) from the NBX.
IDN-A detailed description of NBX a
NBX agents write messages to store, andthe Reconciliation and Sattloment les ar produced by functional
NB:
jected accord out by tion-of-time et: thet i ther functional
i the data. tthe ond }
It ible due to split second timing thatthe Reconciliation File for Fl. wil include 2 transaction oF
tl ith a different settlement date.—Thie could arise due to-th q
hich. Jed through the NBX-te-card *CAPO.4 Lo,-with the
being received after the NBX-has updated the Settlement Date value-for-card-accountGAPO--In the unlikely
situation of when a transaction is missed from the previous reconciliation the NBX will include the transaction
on the next days reconcilation file. These transactions plus late reversals will relate to a different business
day(Settlement Date) to the date of the file.
‘The NBX stores the transactions records! -and extracts the records
needed for today's settlement into the U: JementReconciliation File. Fi ded -from-th
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previous. day are-also included with the current processing day's transactions. Horizon. NBX determines record
selection for inclusion in the REC file,
‘and exclusion based on the following:
Records lincluded in the REC file:
Every ‘Einancial tTransaction for the Settlement Date (from 20:00 the previous day to 19:59:59 of the
current day — local time) known at the time of file generation.
+ Suspended Financial Transactions from the previous Settlement Day that where not included in the
previous days Reconciliation File.s
+ Reversal messages received up to 20.10 with a Settlement Date equal to the one being reconciled. These
Reversals do have a corresponding authorisation record on the reconciliation File.
+_Late Reversals (as configured - currently up to 5 days old). These Reversals do not have a corresponding
‘Authorisation record on todays Reconciliation File, the Authorisation record will have been on a previous
Reconciliation File.
Reversal od alter 49:50:50 and before-20:40-that-can-be matched to-original transact
received up-to-and including 19:59:59,
Records Excluded:
es Jed ator 49:50:50-but before 20:40-forthe di .ded-untilthe + (Formatted: Bullets and Numbering }
next processing cycle, excluding reversals that can be matched to original transactions received up to. and
including 19:59:59.
These time periods are defined by parameters.
The amount requested for settlement by Post Office Ltd will be in line with the contents of the Reconciliation
file, plus any manual adjustments that are necessary.
Appendix C (section 10) contai
1S a table of the events and timings related to End of Day processing.
3.2.1 File Description
‘The Reconciliation and Settlement File will contain a file header at the start of each file, followed by a detail
record for every financial transaction that has been acquired by the NBX for the settlement day including failed
and declined transactions. Non-financial i.e. Balance enquiry and PIN Change Transactions are NOT
included in this file.
A transaction sub-total record will occur-be writtenapproximately every forty transactions and a file summary is
‘written at the end of the file, following the last sub-total record. This will consist of a single line for the
interface. A summary trailer detailing the net position of the Client follows the summary line records. The file
is terminated with a trailer containing a count of all records in the file with the exception on the header and
trailer records.
A detailed description of these records can be found in Section 4.
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3.2.2 Selection of Data
The selection of data is-based 9 f0-49:59:59)-_Withdrawal and depositt transactions to.go-forward- for-th td
are fs seiecied where an [R3] and an at exists ia aby ti defined by when the [R2} first by the NBX with thi te
th be matched back to th iginal-transacti .d-providing th inal-t Si 1d before 20:00 j.0-up to-and including
419:59:59transaction for the current Settlement Date or current Settlement, Date —1in the case of suspended transactions.
These-+Reversals wil th time-st the-original-t tion-t th .d-with the original tionare selected from
20:00 on settlement day A to 20:10 on settlement day B, or where Reversals are received late by the NBX_(where the [R3] transaction was conducted up to 5
days earlier). Selection between 20:00 Day B and 20:10 Day B is based on the presence of a corresponding [R3/A1] approved transaction having taken place
in Settlement Day A or earlier (up to 5 days)-h
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Late reversals will appear at the beginning of the reconciliation file because the file is written in Receipt Date, Recon Trace Number sequence.
Formatted
{fa transaction is reversed then two records will be written to the reconciliation file, one for the authorisation and one for the reversal. If the reversal is late
then the reversal record would be on a different Reconciliation file then the authorisation record. All Recon Amt Acquired fields are spaces as all the values
go into the Recon Amt Issued field. Those authorisations that have failed will also be written to the reconciliation file but the amount will be entered into the
Recon Amt Failed field file (see section 4.2.24-2-2). All negative amounts (deposits and withdrawal reversals) val have a minus sian in front of the value
ne wales. will Dat have a sist e
The following table gives an example of explains -the-selection-process-of Financial Transactions fromthe User Settlement File for each-of the interfacesand
how the dates are used to build up the Reconciliation File. The reconciliation process will consider each entry in the table below and build the Reconciliation
«auc Table 6Table- 6Table 6
file for each of the Slave Fis from these entries — see Table
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Description of table elements
Receipt Date: The local date/time on the customer receipt The time element is entered on the detail record in the file = RECON-TIME
R1 Created: The time the transaction was requested. Always the same as Receipt Date. Local Date/Time
B3 Settlement Date: __The day (no time) that the transaction will be reconciled, taken from the R3 message. Normally the same as the File Settlement Date. Formatted )
E1 Sent: The transmission time of the reversal request message E1. Local Date/Time.
File Settlement NBX_Date: The date on the Settlement File Header record, the date of the Reconciliation with no time elemen' }
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0:07:2004 JApproved Withdrawal Transaction
10:00:00
007.2004 por.2008 Pay 1 Approved Withdrawal Transaction
10:00:0019:30%
0:07: 2004 007-2004 ,20:07:2004 vt Approved: WihdrawalReversal of Approved Transaction
10:00:00 f9:31:0452 Row 2
0:07: 2004 [20.07:2008 Pay 1 [Approved Withdrawal Transaction
10:00:0019:59:30
%5._ ,20:07:2004 07:2004 20:07:2004 fp0:07:2004 Pay 1 Declined Withdrawal Transaction
19:59:59 19:59:59 _)90:00:0079:59:50
oo po;07.-2004
0:00:00
67 powor-2004 Powor2008 20007-2004 Pay2i~ Reversal of Approved Transaction — for Row 34
19:59:30 20:06:13
7B. ,20:07:2004 72004 TOT 2004 v2 Approved Withdrawal Transaction
0:00:15 00:15
BS 20.07.2004 oror-2004 PiOT-2004 ye versal of Approved Transaction ~ Row 1
[19:30:30 20:09:59:11:0I [This-will be pulled back to Day + by CMS.asit relates to theI
ks ransaction in Row-+-and the time-on the original
Fe aneaction {R2}:was before 20:00:00This will be shown as
‘D' type record as the reversal record will be on the
fecondiiation File the day affer the authorisation record,
10, PoOr-2004 —__ POOT-2004 Pi-0T-2004 pior200a — Pay2* [Approved Withdrawal Transaction This-wil-notbe selected
1001.01 01:51 __[P0:00-0020:04:04
20.07:2004 p1.07:2004 iais07:2004 yo Approved Withdrawal Transaciontiswil-notbe selected
05:09 _0:00-002005:02
1. 07:2004 007-2008 f2i.07:2008 Pay 2” lAithough the reversal is between 20:00:00 and 20:10:00,
10:00:00 0:05:32 the R21 was sent after 19:59:59 — see Row 910
** Late reversal
Table 666: Transactions to be considered for Current Days Reconciliation Files for slave Fls
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-{ Formatted ]
~~ —{ Formatted: Bullets and Numbering
(Formatted: Bullets and Numbering
+ Formatted: Bullets and Numbering
+~— (Formatted: Bullets and Numbering
+ (Formatted: Bullets and Numbering
+ (Formatted: Bullets and Numbering
+~—— (Formatted: Bullets and Numbering
+——( Formatted: Bullets and Numbering
+ (Formatted: Bullets and Numbering )
+ (Formatted: Bullets and Numbering }
+ (Formatted: Bullets and Numbering )
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3.43.3. Assumptions
Thatthers: No. eet tt LINK
—That format column abby fa th
That in the field Recon-Amt-Issued, type ~(7)— in the case of a negative value the sign takes one of the
40 characters, therefore -999999.99 being the maximum dey hile a withdrawal ed. mill
That-files willbe. ted for CAPO and ASL dé iLomply-(weekende-and-bank -holid
include)
*_NoneNone
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—-{Formatted: Bullets and Numbering }
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4 Reconciliation File Format
4.1 Data Item List
4.1.1. General Record Element Definitions
The following sections define the list of reconciliation file data elements as they relate to each record format, together with which record they are present in.
4.1.2 File Record Format Types
The following records will be passed from the NBX to the Financial Institution Interface for Reconciliation and Settlement:
Message Type
Description
Header Record (HR)
Each file will contain 1 of these.
Transaction Detail Record
(TDR)
Each file will consist of 0 or more detail records, one for each financial transaction, which took place
during the business day. The Financial Transactions are Deposit, Deposit Reversal, Withdrawal (all
types), and Withdrawal Reversal as appropriate to the Fl
Transaction Sub-Total
Record (TSR)
Each file will contain 1 of these for every 40 records or less e.g. if the file contains 45 Transaction
Detail Records then there would be a Transaction Sub-Total Record after 40 of the Transaction Detail
Records followed by a further 5 TDR records and the another Transaction Sub-Total Record. The
Transaction Sub-Total Record contains the Acquired Total, Issued Total and Failed Total
‘Summary Detail Record
(SDR)
Each file will consist of a minimum of 1 of these. This record contains the Settlement Total for the FI
Counterpart (2.9--LiNK Member banks) — currently n/a for Post Office Direct Interfaces CAPO and
A&L as each direct interface currently does not connect to member banks, therefore there will only be
1 of these record types per file.
‘Summary Trailer Record
(STR)
Each file will contain 1 of these. This record contains the Net Settlement Total for the FI.
File Trailer Record (FTR)
Each file will contain 1 of these. This record contains the total number of records on the file for the
settlement date, excluding the header and trailer
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Note: Where there are no transaction detail records for a business day a file containing no detail records will be produced. This file will contain a HR, TSR,
‘SDR, STR and FTR record and totals must be zero.
4.1.3 Reconciliation File Data Elements
The reconciliation data elements used in the NBX — FI records are listed below.
The information presented here is also included in different contexts in other sections, mainly section 4.2. However, the information in this section 4.1 takes
precedence over any other section, where the information is included
The table in section 4.1.4 includes Reconciliation file element names, descriptions and the length (fixed) of each element. It should be noted that the acquirer
fields would not be populated by this interface as the NBX is creating this file for an Issuer.
The entry in the format column corresponds to any of the abbreviations shown in the following table
X(n)
Alpha Numeric characters with a length of n e.g. X(3) = alpha numeric with a length of 3
+(0)9.99
Signed Numeric characters only with 2 decimal places — the n in the brackets refers to the number of
positions before the decimal place e.g. +6731678.50 = +(7)9.99. This type of field, represent a monetary
value. Leading zeroes are suppressed, fields are aligned on the decimal point, signs are floating and currency
fields do not have a currency symbol associated with them. This type of field is not packed.
‘3(n)
Unsigned numeric characters only with a length of n e.g. 345 = 9(3). This type of field represents a count of
transactions. Leading zeroes are suppressed (except for RECOUNT-COUNT) and the field is not packed.
~(7).99
Signed numeric characters only with 2 decimal places. This amount is suppressed if the value is zero in
addition leading zeroes are suppressed, fields are aligned on the decimal point, signs are floating and
currency fields do not have a currency symbol associated with them. This type of field is not packed
In the field Recon-Amt-Issued, type ~{7).99 for example, in the case of a negative value the sign takes one of
the 10 characters, therefore -999999.99 being the maximum deposit while a withdrawal can exceed a million
pounds.
~(n)9.99
Signed Numeric characters only with 2 decimal places — the n in brackets refers to the number of positions
before the decimal place e.g. -6731678.50 = -(7) 9.99. This type of field, represent a monetary value.
Leading zeroes are suppressed, fields are aligned on the decimal point, signs are floating and currency fields
do not have a currency symbol associated with them. This type of field is not packed.
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4.1.4
4.1.4.1
File Elements
Definitions
The following definitions are included here to provide clarity on the use of the terms Declined and Failed Transactions within the File Element Table:
A Declined Transaction is a transaction which has not been approved by the Issuer for a reason which is indicated in the response code returned by
the issuer e.g. Insufficient Funds; Stolen Card; expired Card ete
‘A Failed Transaction is a transaction which has been declined e.g. this may be due to the Late Response to a withdrawal request; a format error in
the response from the issuer, a key encryption error ete
The Failed totals include both Declined and Failed Transactions as described above.
Acquired Totals are currently not applicable for the purpose of the Reconciliation File — this file is always produced from the view of the recipient i.e.
the Issuer.
Issuer Totals are applicable to the Reconciliation File — this file is always produced from the view of the recipient i.e. the Issuer.
4.1.4.2 Abbreviations used within the Description field of the File Element Table.
WDL Withdrawal Positive i.e. the value that the FI will owe the Post
Office
REV Withdrawal Reversal Negative i.e. the value Post Office Limited owes the FI
DEP Deposit Negative i.e. the value Post Office Limited owes the Fl
DRV Deposit Reversal Positive i.e. the value the Fl owes Post Office Limited
M Mandatory
HR Header Record
IDR Transaction Detail Record
TSR Transaction Sub Total Record
SDRDER ‘Summary Detail RecordDeposit Negati the value Post Office Limited the FI
STR ‘Summary Trailer Record
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FTRORY File Trailer RecordDepositReversal_I Re th theFl Post-Offi ited
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JACQUIRED-TOTAL — Acquired sub-total. N/a for the NBX, as the recipient, slave Fl, is an Issuer }(7)9.99 i
bnly.
ASTERISK Indicates an NBX generated reversal due to the inability to deliver 0210 (iy 7
Approval messages to the acquirer i.e. Post Office Counters via Horizon.
{CARDHOLDER (Cardholders Primary Account Number from the Request Message whether
ISO PREFIX manual entry or card swipe i.e. from the PAN or Track 2 Data (6) 6
FILLER (1) 1
INUMBER (13) 13
IFAILED-TOTAL Failed sub total. This field contains the value of all transactions, which have }(7)9.99 1
failed and is accumulated from RECON-AMT-FAILED. The FAILED-TOTAL
includes both declined and failed transactions.
INSTITUTION-NAME_ICONSIGNIA POST OFFICE" (24) 24
SO-NUMBER (Client ISO Number/ISO number of the destination Flie. thisis the Client (6) 6
lISO Number agreed between the Master i.e. Post Office and the Fl The
JA&L ISO Number 560372, the POCACAPO ISO number is 633641._On
Summary Detail Record the ISO-NUMBER is 200040
ISSUED-TOTAL Issued sub-total. This is applicable to Slave Fis. This field contains the value -(7)9.99 TW
bf all issued transactions and is calculated as WDL minus REV minus DEP
lus DRV. ISSUED-TOTAL does NOT include failed transactions
INBX-DATE INBX Business Date i.e. Settlement Date 86)
INET-TOTAL INet sub-total this is the SUM of ISSUED-TOTAL (and ACQUIRED- TOTAL) it/-(9)9.99 3
Hoes NOT include the FAILED-TOTAL
IRECON-ACQ-ID Identifying IIN from NBX - Positions 2-7 of Acquiring Institution Identification 8(6) 6
{Code (2200040000 for PO) which is set by the NBX from Reference Data
IRECON-AMT- [Transaction Amount if acquirer. Not applicable for the NBX, totals are (7)99 10
JACQUIRED roduced from the perspective of the recipient not the NBX.
IRECON-AMT-ISSUED [Transaction Amount ifissuer. This includes withdrawals and reversal and if }(7).99 10
Applicable to the interface deposits and deposit reversals. RECON-AMT-
ISSUED is applicable.
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IRECON-AMT-FAILED [Transaction Amount for the failed transaction — this is the transaction 10
amount for a declined or failed transactions
IRECORD-COUNT Number of Records in File (padded with zeros) 7
IRECON-CUM-TOTAL (Cumulative Value of Acquired and Issued Transactions calculated as WDL- }(9)9.99 13
REV-DEP+DRV
For each detail record the RECON-CUM_TOTAL will be the accumulated
rom RECON-AMT-ISSUED (and RECON-AMT-ACQUIRED) value(s) for a
lave Fl. The RECON-AMT Failed is NOT included in this total.
IRECON-DATE INBX Settlement Date 86) 6
IRECON-FWD-ID___identifying IIN from Forwarder 86) 6
IRECON-RESP-CODE Response Code or Reversal Reason Code — see AlS-Mapping documents (2) 2
jelevant to Fl: ABL [Ref. 843], or Card AccountCAPO [Ref.-5]7}
RECON-TERM-ID _(utlet/Counter Identifier i) TW
IRECON-TERM- Byles 7 to 12 of ISO field 37 Retrieval Reference Number 86) 6
[SEQUENCE-NO
IRECON-TIME [Time of the Transaction from the Request Message 86) 6
IRECON-TRACE- System Trace Audit Number (STAN) from the Request Message (6) 6
INUMBER
IRECON-TXN-TYPE Description of the transaction type 1.. WOL=Withdrawal, REV=Reversal, (3) 3
IDEP=Deposit, DRV=Deposit Reversal
SETTLEMENT-TOTAL Net Position Against NBX the total of all issued (and acquired) transactions I+(9)9.99 13
for the settlement date — it excludes failed transactions
Note:
The convention for this is Acquired total minus Issued total. For the slave
Fls this should give a minus total (unless deposits value exceeds
withdrawal) representing a debit to them in Settlement. Where the
Interface is to a single bank then this value should equal the RECON-
CUM-TOTAL on the final Detail Record.
The SETTLEMENT-VALUE for the SDR and SDT records where there is}
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an interface to a single bank from the NBX must be the same.
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4.1.5 Relationship of Totals
This section describes in tabular form the relationship of each of the amount/total fields in the Transaction detail record (section 4.2.2); Transaction Sub-Total
Record (section 4.2.3); the Summary Detail record (section 4.2.4); the Summary Trailer record (section 4.2.5) and the File Trailer record (section 4.2.6):
Record Type
Totals
Description
Transaction Detail Record
(TOR)
RECON-AMT-ACQUIRED
‘The value of the successful Financial transaction if an acquirer
Nia to NBX
RECON-AMT-ISSUED
The value of the successful Financial transaction if an issuer
RECON-AMT-FAILED
The value of all Failed and declined Transactions
RECON-CUM-TOTAL
Accumulated Value of RECON-AMT-ACQUIRED — RECON-AMT-ISSUED,
Transaction Sub-Total record
(TSR)
ACQUIRED-TOTAL
Accumulated from RECON-AMT-ACQUIRED
N/a to NBX_ Always 0.00.
ISSUED-TOTAL
‘Sum of successful financial Transactions i.e. RECON-AMT-ISSUED from the detail records
‘Summary Detail record
(SDR)
Summary Trailer record
(STR)
File Trailer record (FTR)
SETTLEMENT-TOTAL
SETTLEMENT-TOTAL
RECORD-COUNT
This must equal the sum of the ISSUED-TOTALs from all of the TSRs
This must equal the SETTLEMENT-TOTAL from the SDR
Number of Records on the file, excluding the header and trailer
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4.2 Record Specification
This section contains the definition of each record type to be sent over this interface. The Field column lists
those fields required for the record type by Reconciliation name, and relates to list in Section 4.1.4.
Records can be identified as follows:
Record Type _I Record Identifier Value(s) Position I Format_I Length
Header Record I ISO-NUMBER * A&L ISO Number is 16 (6) 6
560372
I * POCACAPO ISO
number is 633641
Detail Record RECON-TXN-TYPE I WDL 41-43 X(3) 3
REV
DEP
DRV
Transaction _I TSR-RECORD- TOTALS 3045 X)—SC«*d(?
Sub-Total IDENTIFIER
Record
Summary Detail I Institution CONSIGNIA POST 29-52 (14) 14
NameINSTITUTION- I OFFICE"
NAME
Summary ‘STR-RECORD- NET SETTLEMENT 63-76 [X(i4) «I 14
Trailer Record IDENTIFIER
File Trailer FTR-RECORD- RECORDS 22-28 —«(X)~—«(7
IDENTIFIER
4.2.1 Header-Record
File Name: File Ref: Notes:
Reconciliation RECONCILIATION
Record Name: Record Size:
Header-Record 132 Bytes
Field Position Length I Format I Value Description
From I To
1SO-NUMBER 1 6 I6 9(6) This is the Client ISO
Number agreed between the
Master i.e. Post Office and
the FI:
* For A&L the ISO
Number is 560372
* For CAPO the ISO
number to use is
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File Name: File Ref: Notes:
Reconciliation File I RECONCILIATION
Record Name: Record Siz
Header-Record 132 Bytes
Field Position Length I Format I Value Description
From I To
633641
FILLER 7 7 IA x(t)
NBX-DATE 8 13 6 9(6) DDMMYY NBX Business Date i.e.
Settlement Date
FILLER 14 [132 I 119 x(119)
4.2.2 Detail Record
The Reconciliation and Settlement file contains details of the amount issued, and failed for each
withdrawal/deposit interaction. Detail records will be provided for each financial transaction, including reversals
and failed transactions.
If an issuer's transaction response
the initial withdrawal will be shown
timed out by the NBX and a late approval received and reversed by NBX,
the transaction amount in the RECON-AMT-FAILED field.
Details of the fields described below can be found in section 4.1.4, and the relationship to the online messages
is shown in Appendices A (section 8) and B (section 9).
Further information regarding the mapping relationship is contained in NBX Ofine- Mapping documents [Ref.
544) and [Ref 8
File Name: File Ref: Notes:
Reconciliation RECONCILATION
Record Name: Record Size:
Detail-Record (1) 132 Bytes
id Position Length I Format I Value Description
From I To
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of Post Offee Lid. ‘Date: October-15,2003
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COMMERCIAL IN CONFIDENCE
File Name: File Ref: Notes:
Reconciliation File _ I RECONCILATION
Record Name: Record Size:
Detail-Record (1) 132 Bytes
Field Position I Length I Format I Value Description
From I To
RECON-TIME 1 6 [6 9(6) hhmmss I Time of the Transaction from
the Request [R21] Message
FILLER 7 a 3 X@)
RECON-TRACE- 70 [15 [6 9(6) STAN from the request [R3]
NUMBER message to the issuer NB this
field will not be populated if the
message is declined by the
NBX.
F 16 18 [3 X(3)
CARDHOLDER: Cardholder's Primary Account
ISO PREFIX 19 I 24 I6 x(6) Number from the request
FILLER 25 I 25 I 4 x(1) [R21] message ~ this will be
NUMBER 26 I 38 I 13 X(13) from either the Pan field or the
Track 2 data field depending
‘on whether the card was
swiped or manually entered
FILLER 39 [40 [2 XQ)
RECON-TXN-TYPE I 47 43 [3 x3) Description of transaction type
*woL", I WDL Withdrawal
REV Withdrawal Reversal
DEP Deposit
DRV Deposit Reversal
FILLER ma [46 13 XG)
RECON-AMT- a7 [56 I 10 1). Transaction amount it
ACQUIRED - acquired. Shown as a
ita reversal
wa
spaces for CAPO and A&L.
Only used by LINK
FILLER a7 [or [4 XC)
RECON-AMTISSUED I 58 I 67 I 10 A). + Txnamountit
- issuer. Withdrawal will be
shown as positive
* Withdrawal Reversal as
negative;
+ Deposit as negative
+ Deposit Reversal positive
FILLER [ee [7 EG)
RECON-AMT-FAILED [69 I 78 I 10 (= Transaction amount for the
- failed transaction
FILLER 73 [3 [5 XG)
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File Name: File Ref: Notes:
Reconciliation File _ I RECONCILATION
Record Name: Record Size:
Detail-Record (1) 132 Bytes
Field Position I Length I Format I Value Description
From I To
RECON-RESP-CODE I84 I 85 I 2 x(2) Response Code or Reversal
Reason Code - this is the
response code provided by
the Issuer, or the reversal
reason code sent to the
Issuer.
ASTERISK a6 [86 [7 x) «I OR
lot
applicable
FILLER 87 87 {4 X(1)
RECON-ACO-ID es [93 [6 9(6) Identifying TIN of the acquirer
ie. PO - 200040
FILLER Ce XG),
RECON-TERM-ID an X(11) Outlet and Counter Identifier
I 5 received in the [R21] message
RECON-FWD-1D ioe [17 *[6 96) Identifying TIN from Forwarder
1 not applicable to NBX as
Master
FILLER a x
2
RECON-TERM- i [11 [6 96) Positions 7 — 12 of Retrieval
SEQUENCE-NO 8 Reference Number, populated
by the NBX. Note this field
will not be populated ifthe
message is declined by the
NBX
FILLER an a Gt)
9
RECON-CUM-TOTAL [720 [13 [73 “(9/999 Cumulative value ofF
2 transaction. Signed as above
and excludes failed
transactions.
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4.2.3 Transaction Sub-total Record
File Name: File Ref Notes:
Reconciliation RECONCILIATION
Record Name: Record Siz
Transaction 132 Bytes
‘Subtotal
‘eld Position Length I Format I Value Description
From_I To
FILLER, 7 38 I 38 (38)
TSR-RECORD- so «(45 «7 x7) *TOTALS™
IDENTIFIER
ACQUIRED-TOTAL [46 [56 I 17 (799.99 ‘Always Aoquived
sub-total MA for
NBX
ourrentlyOnly
ised for LINKNot
used0.00
ISSUED-TOTAL a7 [7 [17 1799.99 Issued sub-total
WDL minus REV
minus DEP plus
DRV for all
transactions
acquired by the
NBX
FAILED-TOTAL es [78 Ii ~(7)9.99 The total oF
failed
transactions
declined by the
issuer.
FILLER 79 I 707_[ 29 X(29)
FILLER 708 [118 [17 x(11) "BATCH
TOTAL"
FILLER a I XC)
NET-TOTAL 720 [132 [73 -(9)9.99 Net sub-total
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4.2.4 Summary Detail Record
File Name: File Ref: Notes:
Reconciliation File RECONCILIATION
Record Name: Record Size:
Summary Detail 132 Bytes
Field Position Length I Format Value Description
From _ I To
FILLER 1 28 I 28 I X28)
INSTITUTION-NAME [29 [52 I 24 I X(24) CONSIGNIA
POST
OFFICE'Name
(NBX),
FILLER 33 [e674 x(a)
ISO-NUMBER e7 72 6 9/6) 1SO.No. of
Counterpart
(NBX)200040
FILLER 73__[e4gi [429 I X23)
‘SETTLEMENT- e582 [94 I 13 +(9)9.99 Net Position
TOTAL Against
Counterpart
(NBX)
FILLER 95 132 35 X(35)
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4.2.5 Summary Trailer Record
File Name: File Ref: Notes:
Reconcil RECONCILIATION
Record Name: Record Size:
‘Summary Trailer 132 Bytes
Field Position Length Format I Value Description
From I To
FILLER 1 [62 (62)
“STR-RECORD- 63 [76 I 14 (14) "NET
IDENTIFIER SETTLEMENT"
FILLER, 77 [eis XG),
SETTLEMENT- a +(9)9.98 Net Position
TOTAL Against NBX
FILLER 9 132 38 X(38)
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4.2.6 File Trailer Record
File Name: File Ref: Notes:
Reconciliation File__I RECONCILIATION
Record Name: Record Size:
File Trailer 132 Bytes
Field Position Length I Format I Value Description
From _I To
1SO-NUMBER 7 6 [6 96) Client's ISO
Number e.g.
A&LISO
Number is
560372
CAPO ISO
number is
633641
FILLER 7 x)
RECON-DATE 8 % [6 96) DOMMYY NBX
Settlement
Date
RECORD-COUNT [74 [20 I7 (7) No. OF
Records In
File. With
Leading Zeros.
FILLER Pe Pe x)
FTR-RECORD- 22 [28 I7 x(7) "RECORDS"
IDENTIFIER
FILLER, 29 [432 I 704 (104)
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Settlement File Format AIS 5, per:
COMMERCIAL IN CONFIDENCE
5 Transfer Structure
5.1 Transfer Grouping
This transfer supports the file transfer of a batch file containing the Reconciliation and Settlement data for a
single business day.
A file header is written at the start, followed by a detail record for every transaction that has been acquired by
the NBX on behalf of the Financial Institution including failed (declined) transactions for the business day. A
transaction sub-total record occurs approximately every forty transactions.
file summary is written at the end of the file, following the last sub-total record. This is comprised of a
sequence of summary line records. A summary trailer detailing the net position of the institution follows the
summary line records.
The file is terminated with a trailer containing a count of all records in the file with the exception of the header
and trailer records,
The file is sorted by reconciliation time, RECON-TIME, sequence, then by the reconciliation trace number,
RECON-TRACE-NUMBER. This is to ensure that when more than 1 transaction has the same time they are
sequenced by the trace number. See File Attributes in section 5.2.1
5.2 File Structure
5.2.1 File Attributes
File Organisation: Sequential Storage Medium: Electronic.
Key: None Sort Sequence:
Detail records are written in RECON-
TIME/RECON-TRACE-NUMBER order.
Block Size: 1024 Bytes Retention Period:
(Fixed) 10 Days
Record Length: 132 Bytes
Format of File: EBCDICASCII
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of Post Offs Lid. ‘Date: October-15, 2003
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Project: EMV Banking and Retail
5.2.2 Record Summary
The file will contain records as listed in the table below; these records will be formatted as described in section
42
RECORD OCCURRENCE
RECORD NAME LENGTH
MIN MAX AVE
Header 732 7 7 7
Transaction Details 132 0 See Appendix D —
Volumetrics, ‘Appendix D —
Section 11 Volumetrics,
Seetion 11
Transaction Sub-Total 132 7 See Appendix D —
Volumetrics, ‘Appendix D ~
Section 11 Volumetrics,
Section 11
‘Summary Detail 732 7 7 1
‘Summary Trailer 132 1 1 1
File Trailer 132 1 1 1
Files will be generated for CAPO and A&L every day even if there are no transactions (weekends and bank
holidays included),
holiday
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COMMERCIAL IV CONFIDENCE
6 Security of Transmitted Data
6.1 Overview
This section details security aspects of this interface. -At this stage-no-requirements-have-been identified.
CONNECT:Direct keeps a record that the file has been sent and received by the Fl. The Fujitsu Connect
Direct platform will also maintain audit logs of outgoing reconciliation files. See the TIS specific to the Interface
i.e. NBX - A&L TIS [Ref. 6642] and NBX - POCACAPO TIS [Ref. 336].
6.2Need-to Know. + — (Formatted: Bullets and Numbering )
6.3Protected-_Data +——-(Formatted: Bullets and Numbering )
With the present scope of the reconciliation data this section is not applicable. However, if information of a
secure nature is passed over the interface in future then this section will be revised
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© Post Office™ 2004
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COMMERCIAL IN CONFIDENCE
7 Operational Procedures
7.1 Overview
covered in the following documents: Operating Level Agreement for Network Banking between Fujitsu Servi
and CAPO (EDS) [Ref 9/15, and Operating Level Agreement for Network Banking between Fujitsu Services
and Alliance & Leicester [Ref 10]46.
the document Network Support: Operational Level Agreement between Post Office Ltd-and EDS [Ref 9]
[DNHe-there-an-equivalentfor ABL-
7.2 Processing Cycles
This file will be produced as part of the End of Day Processing for Reconciliation and Settlement and will be
transmitted to the Financial Institution at the latest by the time specified by the Service Level Agreement for this
activity. There will be at least one file created each and every calendar day ie. 7 days a week 52 weeks a year.
If there are no occurrences of the detail data records defined in this document on any given day, a file will still
be created and transferred to the Financial Institution.
7.3 Transfer Initiation and Protocol
The file will be transferred as described in the TIS relevant to the particular Fir
NBX - POCACAPO TIS [Ref. 3If-7}
NBX - A&L TIS [Ref.6]
~(Formatted: Bullets and Numbering
v.55 ine & Fallback Procedures + — (Fermatids Buets and Narbaing
The table below classifies. a ears of failure situations. The action to-be taken will be fully described
Created on 11/11/2004 Version 0.3 Page 37 of 46
© Post Office™ 2004
Filename: pi60813.docNBIES0301.doopl4ed docVersion:1,0-Stalus: Baseline
Author: Kiaus Leffler Jenny Smith on behol of Post Ofifce Lt LOffoe Ltdkiaus Ler
© Copyright 18M Corporation 2002. All sights reserved. Page 22 of 26137351
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Settlement File Format AIS 4,2 pep
COMMERCIAL IN CONFIDENCE
«+ ——-(Formatted: Bullets and Numbering )
Created on 11/11/2004 Version 0.3 Page 38 of 46
© Post Office™ 2004
Filename’ pic 13.docNBIESO301.docplded docVersion: 1.0 Status: Baseline
Author: Kiaus Leffler Jenny Smith on behalf of Post Off Lt
© Copyight IBM Corporation 2002. Al rights reserved. Page 22 of 36137351
% Fi Reconciliation and Project:
Settlement File Format AIS 1... rot.
COMMERCIAL IN CONFIDENCE
EMV.
~ Banking and Retail
8 Appendix A: A&L Mapping
This cee contains the Bo om the A&L Message fields to the Reconciliation File detail record. Post Office readers may also view this mapping in the
and [Ref.8]. Note: The mapping to the REC file is from the Fl's perspective. This is different from how the fields
are actually populated in the NBX.
REC Field ‘Size Bource field sent to /received from ABL ] Bitmap Ref Notes
RECON-TINE @ Ifransaction Time from the R2i message P-12 _Iiime of he Transaction from the R21 message. FIN-TIMELOCAL In setfiement record
JRECON-TRACE-NUMBER 6 [System Trace Audit Number: Pat IGenerated by the NBX - STAN from request message to issuer (R3). I
CARDHOLDER ISO-PREFIK) 6,13 [Track 2 Data P35 PAN not passed separately fo ABL (Postions 1-18 of Track 2 Data hold the PAN}. Postions O-
CARDHOLDER-NUMBER 5 of PAN=CARDHOLDER.-ISO-PREFX, Positions 6-18 of PAN=CARDHOLDER-NUMBER
RECON-TXN-TYPE 3 Processing Code Pa cessing Code is Translated to NBX Infernal Message Identifier. RECON-TXN-TYPE derived
fom this Internal Message Identifier, and will be 'WDL", REV, ‘DEP’ or 'DRV-
JRECON-AMT-ACQUIRED 10 la Nia jot populated
RECON-AMT ISSUED 70 —ITransaction Amount P-i_ For approved Wansadlions RECON-AMT.ISSUED wil be populated wih the Wansadlion amount
/ithdrawal “WDL" will be shown as positive, Withdrawal Reversal "REV" as negative, Deposit
DEP" as negative and Deposit Reversal "DPR" as positive). This field will not be populated if
he transaction has been fale or deciined
RECON-AMT-FAILED TO Ifransaction Amount P-_ For approved transactions RECON-AMT-FATLED willnot be populated. For declined or faled
yansactions RECON-AMT-FAILED will be populated with the transaction amount.
JRECON-RESP-CODE 2 Response Code or Reversal Reason Code P39 See the NBX - A&L AIS [Ref. 743] for Response Codes and Reversal Reason Codes relevant to
JRECON-ACQ-ID- 6 [Acquiring Institution Identification Code P32 sitions 2-7 of Acquiring Institution identification Code (200040 for PO) which is set by the NBX
from Reference Data
ECON-TERM-ID W ICard Acceptor Terminal Identification Pat ICard Acceptor Terminal Identification field (which includes Group ID (FAD) & Node ID) is used to
opulate this field
RECON-FWD-D 3 Wa Na Not populated
JRECON-TERM-SEQUENCE- I 6 Retrieval Reference Number P37 Positions 7-12 of Retrieval Reference Number, which contains the STAN and is populated by the
INO IBX. The STAN is also provided in RECON-TRACE-NUMBER.
Created on 11/11/2004 Version 0.3
© Post Office™ 2004
Page 39 of 46
Flename: ptic3 docNBIFS030+ docpi4e4.docVersion: + 0. Status Baseline:
Author: Klaus Loffied.Jenny Smith on behalf of Post Ofifce I tdKlaus Loffier) ith.on.be
Date: October 15,2003
© Copyright 18M-Corporation.2002, All righis reserved.
\BM Confidential
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Settlement File Format AIS 1... rot.
COMMERCIAL IN CONFIDENCE
JRECON-CUM-TOTAL 13 (Na Nia {umulative value of transactions, calculated within NBX Reconciliation. HONZ6H. Signed as
ibove, and excludes failed (including declined) transactions
Created on 11/11/2004 Version 0.3 Page 40 of 46
© Post Office™ 2004
Flename: ptic3 docNBIFS030+ docpi4e4.docVersion: + 0. Status Baseline:
thor: Klaus Lofiend ith-on behalf of Post Offce LtdKlaus Loffier/ ith.on.be Date: October 15,2003
© Copyright 18M-Corporation.2002, All righis reserved. Page-22.0f 36137351
\BM Confidential
Fl Reconciliation and Project: EMV — Banking and Retail
Settlement File Format AIS 1... rot.
COMMERCIAL IN CONFIDENCE
9 Appendix B: POCACAPO Mapping
This Appendix contains the mapping of the Card. AccountCAPO Message fields to the Reconciliation File detail record. Post Office readers may also view this
mapping in the NBX Offline Mapping Document [Ref. 5544] and [Ref. 8]. Note: The mapping to the REC file is from the F's perspective. This is different from
how the fields are actually populated in the NBX.
Note: The mapping to the REC file is from the Fl's perspective.
EC Field ‘Size Source field sent to/ received from Bitmap Ref Notes
OCACAPO.
ECON-TIME %@ Transaction Time — from the R21 message IZ ime of he Transaction from the R21 message. FIN-TIME-LOCAL In setliement record
RECON-TRACE-NUMBER 6 System Trace Audit Number 017 Generated by the NBX — STAN from request message to issuer (R3).
ICARDHOLDER-ISO-PREFIX, I 6, 13 _ Primary Account Number (PAN) ‘002 Positions 0-5 of PAN=CARDHOLDER-ISO-PREF IX, Positions 6-18 of PAN=CARDHOLDER-
ICARDHOLDER-NUMBER UMBER
RECON-TXN-TYPE 3 Processing Code 003 Processing Code is translated to NBX Internal Message Identifier. RECON-TXN-TYPE derived
rom this Internal Message Identifier, and will be WDL’, ‘REV’
ECON-AMT-ACQUIRED 70 Na Na jot populated
RECON-AMT-ISSUED 10 Transaction Amount ‘004 For approved transactions RECON-AMT-ISSUED will be populated with the transaction amount
(Withdrawal "WDL" will be shown as positive, Withdrawal Reversal "REV" as negative negative,
\eposit "DEP" as negative and Deposit Reversal "DPR" as positive). , Deposit*DEP* as.
pegative and Deposit Reversal “DPR™ as positive)... This field will not be populated if the
jransaction has been failed or declined.
RECON-AMT-FATLED 10 Transaction Amount ‘004 For approved transactions RECON-AMT-FAILED will not be populated, For declined or falled
ransactions RECON-AMT-FAILED will be populated with the transaction amount.
ECON-RESP-CODE ‘2 Response Code or Reversal Reason Code 039 CAPO AIS [Ref. 17] for the Response and Reversal Reason Codes relevant to
POCACAPO.
ECON-ACO-ID Acquiring Institution Identification Code 032 tions 2-7 of Acquiring Institution Identification Code (200040 for PO) which Is set by the
iBX from Reference Data
RECON-TERM-ID 11 (Card Acceptor Terminal Identification Oat yard Acceptor Terminal Identification field (which includes Group ID (FAD) & Node ID) is used
Jo populate this field
Created on 11/11/2004 Version 0.3 Page 41 of 46
© Post Office™ 2004
Flename: ptic3 docNBIFS030+ docpi4e4.docVersion: + 0. Status Baseline:
Author: Klaus Loffied.J ith-on behalf of Post Offce LtdKlaus Loffier/ ith.on behalf of Post Ofifce Ltdklaus Léffler on behalf of Post Offfce Ltd Date: October 15,2003
© Copyright 18M-Corporation.2002, All righis reserved. Page-22.0f 36137351
\BM Confidential
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COMMERCIAL IN CONFIDENCE
JRECON-FWD-ID 6 Na Na fot populated
JRECON-TERM-SEQUENCE- I 6 Retrieval Reference Number 037 Positions 7-12 of Retrieval Reference Number, which contains the STAN and Is populated by
10 he NBX. The STAN is also provided in RECON-TRACE-NUMBER.
ECON-CUN-TOTAL 73 Na Wa Cumulative value of transactions, calculated within HorizonNBX Reconciliation. Signed as
bove, and excludes failed (including declined) transactions
Created on 11/11/2004 Version 0.3 Page 42 of 46
© Post Office ™ 2004
Author: Klaus Lofledd ith-on-behalt of Post Ofifce LidKlaus.Loffiet/k it
© Copyright 18M-Corporation.2002, All righis reserved.
\BM-Confidenti
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10 Appendix C - End of Day Events
Deser
Online System
NBX System
Business Day
(Update Salement
SETEOD event
Date DD/MM/YYYY increment by 1
at.a.spectied time each day
‘+ Propagates-date to issuer settlement date
forallthe Ps
“REL EOD G05
2:00
Timed Event
Message sent to ASL to indicate new
‘Settlement Date and that after this all request
messages issued by the NBX wil have the new
Settlement Date
‘Notification of the messages are saved to
indicate EOD to the reconcliation Settlement
‘* ABL’s expectation is that thie is used-to
includelexclude in Recon fle
CKEOD
Timed Event
Message sent fo CAPO to indicae new
Settlement Date and that afterall request
messages issued by the NBX will have the new
Settlement Date.
“Notification of the messages are saved to
indicate EOD to the reconcliation. Taggers
CAcdo-not require. a5 GOD message bulthe
NBXwill create in the Log File an. EOD for CA
to-indlcate the-end-ofthe-current Settlement
Dates Transaction,
the timed event
7ELEOD
(0500Reconolatio
‘Check for ASL
Messages Sent
DHS
Timed event — looks for exslenoe of
Prepares the ASL REC file forthe Sellement
the messages for A&L
Date that has just ended. The process does
not look at any transactions with the new
‘Settlement Date,
OAR
If the. 0840 Message hae not been received then
the previous SD Acquirer totale wil be-cent again
Reconciliation
Check for CAPO
Messages
SWOT
Timed event
(ooks for exisience of
the messages for CAPOTimed event
Prepares the CAPO REC fie for the Settlement
Date that has just ended._The process does
not look at any transactions with the new
‘Settlement Date,
.Wil send Issuer Total message to A&L
Ifthe. 0840 Message has not been received
ther the previous SD Issuer totals wil be
Connect Direct
‘Mierabove
‘Miler suecesstul completion of above
Picks the fle up rom sel directory and sends
job for ASL
a8 per A&L TIS [Ref.5]
Returns acknowledgement fle to directory
Connect Dred
job for CAPO
Merabore
‘Mier svecesstul completion of above
Picks the fie up fom set drectory and sends &
‘38 per CAPO TIS [Ref
Returns acknowledgement fle to directory
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+ — (Formatted: Bullets and Numbering
+——{ Formatted: Bullets and Numbering
Reconciliation
election Criterea
‘Authorsations or
Declines
Selects al financial vansaclons wih a
Seitlement Date equal to the Settlement Date
being reconciled plus any suspended financial
‘transactions that can now be reconciled.
+ (Formatted: Bulets and Numbering
Salelion Tine
forseconeliation
W00-TOSoSS
all messages
20:00:00-
Control Cards witin ofine proceseing
+ ——~{ Formatted: Bullets and Numbering
‘offline system-rom 20:00:00 previous
processing day until 10:50:58 today — this
* —~( Formatted: Bulets and Numbering
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Settlement File Format AIS, per.
COMMERCIAL IN CONFIDENCE
BAIGOO— includes the cuspense messages rom
Oftine Systors 20:00:00 10-20-10 for the previous
OniyReversals I messages. Processing day
Selects reversals processed by the NBX for the
Settlement Date equal to the Settlement Date
being reconciled, plus any that may arrivewahin
the 20;00;00— inthe extended window from
20.00 to 20.10 20:10 period forthe-current
processing day that can-be matched to orginal
Also any late reversals where the original
‘transaction was included in an earlier
reconciliation file going back up to 5 days
(oarameterised)
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© Post Office™ 2003
+ —~{ Formatted: Bullets and Numbering
FI Reconciliation and
Settlement File Format AIS
Project: EMV -~ Banking and Retail
Doc Ref:
COMMERCIAL IN CONFIDENCE
11 Appendix D -— Volumetrics
Following includes LINK
11.1 Settlement & Reconciliation Files
The Settlement & Reconciliation file structures are summarised in Table: 8 Settlement & Reconciliation
and SizesTabl
L&R iat
Files and SizesTabk fllement & Re
SizesTable 7: Settle
Sizes. The sizings are based on the values for the fields within records, headers and footers. The aggregate
Table 9: REC File SizesTable 9- REC File SizesTable 8:
file sizes for each interface per
Band are detailed in
jiation Files and
The REC file uses the human readable report format_and the file is uncompressed. The structure around the
body records comprises several enti
and the average number of tt
shown
the comment column. The:
within-the tables in-this section.
File I Direction of flow Body Record Size I Header, Footer, Size) Comment
(Bytes) (Bytes)
TREC I LINK->NBX 132 Header = 132 Frequency
Tx Sub-total = 132 1 per file
Summary Detail=132 I + per 40 records
= 20-porfile
File Trailer = 432 1 per file
pat fie
REC I NBX-> POGACAPO SameasLRECIa2 Frequency
Tx Sub-total = 132 ‘per file
Summary Detail = 132 _ I 1 per 40 records
Summary Trailer= 132 I 20 per file
File Trailer = 132Same I 1 per file
as LREC [per fileSame
as LREC
REC I NBX-> Alliance & SameastRECis2 I Header= 132 Frequency
Leicester Tx Sub-total = 132 per file
Summary Detail per 40 records
20 per fil
File Trailer = 132Same I 1 per file
as TREC {per fileSame
as LREC
Table-777: 88 Settlement & Recon
Txiday NBX> ASL >
POCACAPO POCGACAPO
%Tx!Day 90% — I % Tx/ Day 5%
REC (Bytes) REC (Bytes)
33,333 4,061,995 228,534
333,330, 40,592,630 2,258,013
666,660 81,182,224 4,512,991
Created on 11/11/2004 Version 0.1
© Post Office™ 2003
iation Files and Sizes
Page 45 of 46
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COMMERCIAL IN CONFIDENCE
EMV -~ Banking and Retail
999,990 121,771,818 6,767,968
1,333,320 162,361,412 9,022,946
7,666,650 202,951,007 11,277,923
Table 99888: LREC,REC File Sizes
Created on 11/11/2004
© Post Office™ 2003
End of Document
Version 0.1
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