ANSI ASC X9 X9.58-2007 Financial transaction messages Electronic benefits transfer (EBT) Food Stamps.pdf

1、 American National Standard for Financial Services ANS X9.58-2007Financial transaction messages Electronic benefits transfer (EBT) Food StampsAccredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: American National Standards Institute American National Standards,

2、 Technical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use outside X9 membership agreements is prohibited without express written permission of the Accredited Standards Committee X9, Inc. For ad

3、ditional information please contact ASC X9, Inc., 1212 West Street, Suite 200, Annapolis, Maryland 21401. ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved iiiContents Page Foreword .vii Introductionviii 1 Scope1 2 Normative references1 3 Terms and definitions .2 4 Symbols (and abbreviated terms)

4、3 4.1 Representation abbreviations3 4.2 Abbreviated terms .4 5 Message structure.4 5.1 Message components .4 5.1.1 Message type .4 5.1.2 Message repeats5 5.2 Message bit maps5 5.3 Data element types6 5.3.1 Primitive data elements 6 5.3.2 Constructed data elements 6 6 Data elements 6 6.1 Data element

5、 directory6 6.2 Data element rules.12 6.2.1 Amount data elements 12 6.2.2 Additional data private, acquirer (bit 111).12 6.2.3 Additional response data (bit 44).13 6.2.4 Amounts, additional (bit 54) .13 6.2.5 Card acceptor name/location (bit 43) 13 6.2.6 POS and ATM transactions 13 6.2.7 Original da

6、ta elements (bit 90) .13 6.2.8 Replacement amounts (bit 95) .14 6.2.9 Track data element (bit 35) .14 6.2.10 National POS geographic data (bit 59) 14 7 Message and Transactions.14 7.1 General .14 7.1.1 Mandatory and conditional data elements15 7.1.2 Message flows .15 7.1.3 Message errors 15 7.1.4 Ex

7、ception message flows.16 7.1.5 Transaction relationships.17 8 Message class definitions 17 8.1 Pre-authorization message.18 8.1.1 Pre-Authorization description18 8.1.2 Pre-Authorization message rules 18 8.1.3 Pre-authorization message type identifiers19 8.1.4 Pre-authorization mandatory and conditio

8、nal data elements.19 ANS X9.58-2007 iv ASC X9, Inc. 2007 All rights reserved8.1.5 Pre-authorization message flows.20 8.2 Financial Presentment message class21 8.2.1 Financial Presentment description21 8.2.2 Financial Presentment message rules 21 8.2.3 Financial Presentment message type identifiers .

9、22 8.2.4 Financial Presentment mandatory and conditional data elements23 8.2.5 Financial Presentment message flows25 8.3 Reversal message class .25 8.3.1 Reversal description .25 8.3.2 Reversal message rules26 8.3.3 Reversal message type identifiers.27 8.3.4 Reversal mandatory and conditional data e

10、lements .27 8.3.5 Reversal message flows .28 8.4 Administrative message class .29 8.4.1 Error Messages description .29 8.4.2 Error Messages message rules29 8.4.3 Error Messages message type identifiers.29 8.4.4 Error Messages mandatory and conditional data elements .30 8.4.5 Error Messages message f

11、lows .30 8.5 Network management message class.30 8.5.1 Network Management description .30 8.5.2 Network Management message rules .31 8.5.3 Network Management message type identifiers 31 8.5.4 Network Management mandatory and conditional data elements .31 8.5.5 Network Management message flows.32 9 M

12、essage and Transaction matching32 9.1 General32 9.2 Message matching.32 9.3 Transaction matching .33 10 Maintenance of codes .33 10.1 Maintenance group responsibilities 33 10.2 Applications for new code values33 Annex A (Normative) Data elements in bit number order 34 Annex B (Normative) Data elemen

13、t code table37 B.1 Account type codes (bit 3-2 and bit 54).37 B.2 Advice/reversal reason code (bit 60) .37 B.3 Amount type codes (bit 54-1) .38 B.4 Authorization life cycle code (bit 57) .39 B.5 Message type identifier codes39 B.5.1 All possible message type identifier codes39 B.5.2 Allocated messag

14、e type identifier codes40 B.6 National POS condition code (bit 58) 41 B.6.1 Terminal class (bit 58-1)41 B.6.2 Presentation type (bit 58-2).41 B.6.3 Security condition (bit 58-3) .42 B.6.4 Terminal type (bit 58-4) .42 B.7 Network management information codes (bit 70) 42 B.8 Point of service entry mod

15、e (bit 22).43 B.8.1 Card reading method used at POS codes (bit 22-1).43 B.8.2 Cardholder verification method used at POS codes (bit 22-2) .43 B.9 Point of service PIN capture code (bit 26).44 B.10 Processing Code (bit 3).44 ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved vB.10.1 Transaction typ

16、e code (bit 3-1) 45 B.11 Response codes (bit 39) .46 B.12 Additional data dataset identifier (bit 111-1).47 Annex C (informative) Implementation considerations 48 C.1 General .48 C.2 Data representation.48 C.3 Use of optional data elements48 C.4 Reversal transactions .48 C.5 Store and forward transa

17、ctions .49 C.6 Data element usage.50 C.6.1 Authorization life cycle code50 C.6.2 Account type codes 50 C.6.3 Amount data elements 50 C.6.4 Institution identification codes 50 C.6.5 Mandatory data elements .50 C.6.6 Additional response data data element 51 Annex D (Informative) Conversion guideline 5

18、2 D.1 General .52 D.2 Code value differences .52 D.3 Data element differences52 D.4 Message processing differences.53 D.5 File processing differences53 Figures Figure 1 Message bit maps.5 Figure 2 Exception message flows for time out Reversals .16 Figure 3 Exception message flows for late response17

19、 Figure 4 Example transaction flows for 1xx, 2xx, 4xx transactions.17 Figure 5 Pre-authorization message flows20 Figure 6 Financial Presentment request/response message flows25 Figure 7 Financial Presentment advice/advice response message flows .25 Figure 8 Reversal message flows 29 Figure 9 Error M

20、essages flows.30 Figure 10 Network Management message flows32 Figure C.1 Store and forward message flows.50 Tables Table 1 Representation abbreviations.3 Table 2 Data element directory.7 Table 3 Amounts in types of Pre-authorization messages18 Table 4 Pre-authorization message type identifiers.19 Ta

21、ble 5 Pre-authorization mandatory and conditional data elements19 Table 6 Amounts in types of Financial Presentment messages.22 Table 7 Financial Presentment message type identifiers22 Table 8 Financial Presentment mandatory and conditional data elements.23 Table 9 Financial Presentments that are no

22、t Reversals 26 ANS X9.58-2007 vi ASC X9, Inc. 2007 All rights reservedTable 10 Amounts in Reversal messages .26 Table 11 Reversal message type identifiers27 Table 12 Reversal mandatory and conditional data elements 27 Table 13 Error Messages message type identifiers .30 Table 14 Error messages manda

23、tory and conditional data elements 30 Table 15 Network Management message type identifiers .31 Table 16 Network Management mandatory and conditional data elements 31 Table A.1 Data elements in bit number order34 Table B.1 Account type codes37 Table B.2 Advice/reversal reason codes .37 Table B.3 Amou

24、nt type codes.38 Table B.4 Authorization life cycle codes .39 Table B.5 Message type identifier codes.39 Table B.6 Allocated message type identifiers.40 Table B.7 Terminal class codes41 Table B.8 Presentation type codes.41 Table B.9 Security condition codes .42 Table B.10 Terminal type codes .42 Tab

25、le B.11 Network management information codes 42 Table B.12 Card reading method used at POS codes 43 Table B.13 Cardholder verification method used at POS codes.43 Table B.14 Point of service PIN capture codes.44 Table B.15 Processing code values .44 Table B.16 Transaction type codes45 Table B.17 Res

26、ponse codes46 Table B.18 Additional data dataset identifiers 47 ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved viiForeword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by

27、the standards developer. Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus

28、requires that all views and objections be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing,

29、 marketing, purchasing, or using products, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or

30、 authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: This American National

31、 Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval. Published by Accredited Standards Committee X9, Incorporated

32、Financial Industry Standards 1212 West Street, Suite 200 Annapolis, MD 21401 USA X9 Online http:/www.x9.org Copyright 2007 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of

33、the publisher. Published in the United States of America. ANS X9.58-2007 viii ASC X9, Inc. 2007 All rights reservedIntroduction NOTE The users attention is called to the possibility that compliance with this standard may require use of an invention covered by patent rights. By publication of this st

34、andard, no position is taken with respect to the validity of this claim or of any patent rights in connection therewith. The patent holder has, however, filed a statement of willingness to grant a license under these rights on reasonable and nondiscriminatory terms and conditions to applicants desir

35、ing to obtain such a license. Details may be obtained from the standards developer. Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 1212 West Street,

36、Suite 200, Annapolis, MD 21401 USA. This Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. The X9 committee ha

37、d the following members: James Shaffer, X9 Chairman Vincent DeSantis, X9 Vice Chairman Cynthia Fuller, Managing Director Organization Represented Representative ACI Worldwide Douglas Grote ACI Worldwide Cindy Rink ACI Worldwide Jim Shaffer American Bankers Association Tom Judd American Bankers Assoc

38、iation C. Diane Poole American Express Company John Allen American Financial Services Association Mark Zalewski Bank of America Andi Coleman Bank of America Richard Phillips Bank of America Daniel Welch Certicom Corporation Daniel Brown Citigroup, Inc. Mark Clancy Citigroup, Inc. Paul Gubiotti Citig

39、roup, Inc. Gary Word Clarke American Checks, Inc. John McCleary CUSIP Service Bureau James Taylor Deluxe Corporation John FitzPatrick Deluxe Corporation Ralph Stolp Deluxe Corporation Mike Valiquet Diebold, Inc. Bruce Chapa Diebold, Inc. Anne Doland Discover Financial Services Peggy Burggraf Discove

40、r Financial Services Katie Howser ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved ixOrganization Represented Representative Discover Financial Services Julie Shaw Federal Reserve Bank Darin Contini Federal Reserve Bank Jeannine M. DeLano Federal Reserve Bank Deb Hjortland Federal Reserve Bank D

41、exter Holt First Data Corporation Elizabeth Lynn First Data Corporation Todd Nuzum First Data Corporation Rick Van Luvender Fiserv Bud Beattie Fiserv Kevin Finn Fiserv Lori Hood Fiserv Dan Otten Fiserv Skip Smith FSTC, Financial Services Technology Consortium Christine Nautiyal FSTC, Financial Servi

42、ces Technology Consortium Daniel Schutzer Hewlett Packard Larry Hines Hewlett Packard Gary Lefkowitz Hypercom Scott Spiker Hypercom Gary Zempich IBM Corporation Todd Arnold Ingenico Alexandre Hellequin Ingenico John Spence Intuit, Inc. Jana Hocker J.P. Morgan Chase i.e. the leftmost position shall b

43、e number 1. Table 1 Representation abbreviations Abbreviation Definition 17 Variable length up to maximum 17 characters. All variable length fields shall in addition contain two three or four positions at the beginning of the data element to identify the number of positions following to the end of t

44、hat data element. 3 Fixed length of three characters. a Alphabetical characters, A through Z and a through z. an Alphabetic and numeric characters. anp Alphabetic, numeric and space (pad) characters. ans Alphabetic, numeric and special characters. ansb Alphabetic, numeric, special characters and bin

45、ary representation of data. as Alphabetic and special characters. b Binary representation of data. CCYY Century and year, 0000 through 9999 (see ISO 8601). DD Day, 01 through 31. hh Hour, 00 through 23. LL Length of variable data element that follows, 01 through 99. LLL Length of variable data eleme

46、nt that follows, 001 through 999. LLLL Length of variable data element that follows, 0001 through 9999. MM Month, 01 through 12. mm Minute, 00 through 59. n Numeric digits, 0 through 9. ns Numeric and special characters. p Pad character (i.e. space). s Special characters. ss Second, 00 through 59. V

47、AR Variable length data element. xn Numeric data with a preceding sign of “c“ for credit, “d“ for debit, e.g. x + n 8 in Amount, transaction fee means prefix “c“ or “d“ and 7 digits of amount. ANS X9.58-2007 4 ASC X9, Inc. 2007 All rights reservedAbbreviation Definition YY Year, 00 through 99. z Tra

48、cks 2 and 3 code set as defined in ISO 4909, ISO 7811-2 and ISO 7813. 4.2 Abbreviated terms Abbreviations when used within this standard have the following meanings: ATM Automatic teller machine. GMT Greenwich mean time. ICC Integrated circuit card. MAC Message authentication code. MTI Message type

49、identifier. PAN Primary account number. PIN Personal identification number. POS Point of service. 5 Message structure 5.1 Message components Each message identified in this National Standard shall be constructed in the following sequence: a) Message type, (see5.1.1). b) One or two message bit maps (see 5.2). c) A series of data elements in the order of the message bit map representation (5.3). 5.1.1 Message type The first component