“We believe it can be done, so we make it happen”

Introduction to FAS

Solutions Focused Global Player Attra confidential

Roadmap

• Authorization concepts

• FAS Features and advantages

• Control and Processing parameters

• Authorization Logic

• Important Screens in FAS

• FAS Interfaces

• After Hours Processing

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Definitions

Issuer:
• A financial institution that establishes an account
with an individual or business. Also called as
Cardholder's bank

Acquirer:
• A financial institution that establishes an account
with a merchant and processes card authorizations
and payments. Also called as a Merchant's bank

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What is Authorization?

Authorization:
• The process of approving or denying a
transaction

POS
• Point-of-sale refers to the location where goods
or services are purchased

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MasterCard and VISA

Money is not everything. There is MasterCard and

VISA.

And now AMEX, JCB, CUP, Discovery..

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Authorization Flow

Authorization
Request

NETWORK BANK
(SBI,HDFC….)
Authorization
Response ISSUER
ACQUIRER
Authorization
Authorization Response Vision PLUS System
Request FAS
ACME STORE Merchandise

Credit Card
MERCHANT

POS
Authorization happens
“REAL TIME”

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Authorizations Sources

• Voice Access

• Automated Teller Machines

(ATM)

• Point of Sale (POS)

• Batch Authorizations

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Authorization Request

Types of authorization requests:

• Request monetary authorization

• Request address verification

• Request forced authorization

• Request information

• Perform a credit adjustment

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Authorization Response

Types of Authorization Responses:

• Approval

• Decline

• Referral

• Pickup

• Call Credit Department

• Pending
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So what is FAS?

The Financial Authorization System is..

• An On-line application designed to independently

support
the Cardholder and Merchant functions of the
authorization process.

• Subsystem of the VisionPLUS application

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FAS Features

• Real time update of open-to-buy

• User-defined decision parameters

• Multi-level processing parameters to

accommodate peak volume times
velocity checks

• User-defined approve and decline

thresholds

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FAS Features

• Online display of account/store

authorization activity

• Voice authorization requests

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FAS Advantages

• Automates the decision making process

• Improves response time at the point of sale

• Makes intelligent credit decisions

• Decreases potential losses from bad debt

• Monitors authorization performance

• Analyze and control authorization activity

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Control and Processing parameters

FMSC - FAS System Control File

Key

System Level Parameters

Org Level Parameters

Logo Level Parameters

Reason Description

• ORG and Logo Level Parameters are also defined at System Level.

• If parameters for an ORG/LOGO is not defined, the system level

parameters are
considered.

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Control and Cont
Processing
parameters

System Control Parameters (OFSP)

The System Control record (OFSP) contains

technical parameters used to process
authorizations. The record contains ten pages.

 Page 01 – System control parameters

 Page 02 – 06 - Visa processing options
 Page 07 – 08 - MasterCard processing options
 Page 09 – 10 - Europay processing options.

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Control and Processing
parameters
Processing Parameters (OFMP)

• Used to determine authorization decisions and

operating characteristics

• System compares the cardholder’s account

information to these parameters to determine if
the request should be approved or declined

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Control and Processing
parameters:

- Parameters can reside at the system, organization, or logo

level allowing flexibility.

 Page 01-02 - Exception Condition Parameters

 Page 02-03 - Operating Characteristics
 Page 04 - Excessive Authorizations
 Page 05 - Warning Code Parameters
 Page 06-08 - Bankcard Parameters
 Page 09 - Purchasing Card Parameters
 Page 10 –11 - MCC and Country Code Parameters
 Page 12 - Report Parameters.

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Control and Processing parameters

Reason Description (OFRD)

• The Reason Codes and Description (OFRD) record

is used to change the descriptions of the
authorization reason codes

• Define the account subpanels that display for

authorization responses.

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Control and Processing parameters

Sub panels

• For each authorization request, the authorization

response screen (OFRS) displays authorization
information and account information

• Account information is displayed on nine sub panels

• OFRD provides the flexibility in the order the panels

can be displayed for different responses

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OFRD – Reason Description

OFRD ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/09/04F1

REASON CODES/DESCRIPTIONS 04:54:18
SEL REASON CODE ( ) RLSE 08.00
SUB PANELS
CODE DESCRIPTION 1 2 3 4 5 6
000 ( APPROVED ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( APPROVED )
001 ( INVALID ACCOUNT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV ACCT )
002 ( ACCOUNT STATUS ) ( 05 ) ( 02 ) ( 03 ) ( 04 ) ( 06 ) ( 07 )
( ACCT STAT )
003 ( EMBOSSER RECORD NOT FOUND ) ( 05 ) ( 02 ) ( 07 ) ( 03 ) ( 01 ) ( 06 )
( EMBS NOTFN )
004 ( INVALID MERCHANT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV MERCH )
005 ( MERCH BLOCKED FOR AUTH ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( MERCH BLKD )
006 ( INVALID CREDIT PLAN ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV CPLAN )
007 ( INACTIVE CREDIT PLAN ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INAC CPLAN )
008 ( CREDIT PLAN AMOUNT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( CPLAN AMT )
PF1=OFMU PF2=OFRQ PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

- The Reason codes along with the description (Long and Short) which is sent in the Response
message.
- OFRD is initialized with default descriptions, which can be customized as per the requirement
desired.

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OFRD – Reason Description

OFRD ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/09/04F1

REASON CODES/DESCRIPTIONS 04:54:18
SEL REASON CODE ( ) RLSE 08.00
SUB PANELS
CODE DESCRIPTION 1 2 3 4 5 6
000 ( APPROVED ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( APPROVED )
001 ( INVALID ACCOUNT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV ACCT )
002 ( ACCOUNT STATUS ) ( 05 ) ( 02 ) ( 03 ) ( 04 ) ( 06 ) ( 07 )
( ACCT STAT )
003 ( EMBOSSER RECORD NOT FOUND ) ( 05 ) ( 02 ) ( 07 ) ( 03 ) ( 01 ) ( 06 )
( EMBS NOTFN )
004 ( INVALID MERCHANT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV MERCH )
005 ( MERCH BLOCKED FOR AUTH ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( MERCH BLKD )
006 ( INVALID CREDIT PLAN ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INV CPLAN )
007 ( INACTIVE CREDIT PLAN ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( INAC CPLAN )
008 ( CREDIT PLAN AMOUNT ) ( 01 ) ( 02 ) ( 03 ) ( 04 ) ( 05 ) ( 07 )
( CPLAN AMT )
PF1=OFMU PF2=OFRQ PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

Numbers 1–6 listed determine the order of sub panels display on the response screens. The
values are:
01 = Name and address information 02 = Statement history information 03 = Account
information 04 = Behavioral information 05 = Name, address, account data
06 = Payment and balance info
07 = Miscellaneous information 08 = Fraud information 09 = Embosser
information.

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Message Flow – Acquirer to Issuer

Incoming Outgoing
Request Response

MasterCard Acquirer Bank Merchant

/VISA MIP/VAP (Compress Message
Network in ISO 8583 Format) POS

Compress the
MIP/VAP message in case
of Outgoing
Response

Call programs
Load Message Retrieve the to compress or Authorization
from MIP/VAP loaded Expand the Decision
message message module

Expand the
message in case of
Incoming
Authorization

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Authorization Logic in FAS

• Authorization Checks are performed by

respective Control programs.

• MasterCard - OFOMCTL
• VISA - OFOVCTL
• Private Label- OFOPCTL
• Europay - OFOECTL
• AMEX - OFOACTL

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Authorization Logic in FAS
• Validates the account number (AMBS File)

• If an ATM transaction, checks to ensure it is valid

• Verifies that the account’s AMBS-INT-STATUS is valid

• Verifies that an Embosser record is on file for the

account

• Checks the AMBS/AMED records for block codes

• Checks the AMBS/AMED records for warning code 1

• If the request was host generated, checks for a valid

credit
plan

• Checks for a valid merchant number (AMSD File)

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Authorization Logic in FAS
• If a TRIAD account, calls TRIAD for a decision

• Validates the expiration date of the card

• Verifies the PIN/CVV/CVC, if present

• Checks the card activation flag

• Checks warning code 2

• Checks warning code 3

• Checks the return mail counter

• Checks whether the account is in manual or non

manual collections

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Authorization Logic in FAS

• Checks the credit bureau date

• Checks warning code 4

• Checks warning code 5

• If OFOUCTL is being used, calls OFOUCTL for

a
decision

• Checks warning code 6

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Authorization Logic in FAS

• Checks warning code 7

• Checks excessive usage for the day cash/total

approvals/declines (ARML)

• If a TRIAD account that is over the limit, calls

TRIAD
for a decision

• Checks the account’s open-to-buy FAS open-to-buy

calculation

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Authorization Logic in FAS

• Checks if cash limits are exceeded

• Checks if retail limits are exceeded

• Checks for prohibited country codes

• Checks for special merchant category codes

• Verifies Purchase card transactions

• Verifies GSA Account transactions

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 Authorization Logic in FAS

Validates the MasterCard Electronic

Acceptance Indicator, if present

Verifies ICVV/ICVC, if present for smart card transacti

and validation is supported

If HCS installed, checks HCS spending limits

If HCS installed, checks if Country Code is blocked for

MCC and amount and/or is blocked for the spending
category and amount on the OFMW list

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Authorization Logic in FAS

• Checks the result from the master card secure

code
service for validation of the UCAF
accountholder
authentication value (AAV), if validation was
performed

• Declines any referred transactions that are not

allowed
to refer performs suspicious merchant tests

• If a TRIAD account, and that account is over

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Authorization Logic in FAS

• If Smart Card, checks for PIN change/unlock

requests

• If Smart Card, checks for exception scripts for

non-PIN
change/unlock requests

• If Smart Card, checks for staged scripts for

non-PIN
change/unlock requests

• If Smart Card and transaction will be declined,

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Important Screens in FAS

Screen Displays To view detailed information, FAS

automatically transfers to
OFRQ Authorization request OFRS – Authorization Response
screen
OFAA Authorizations by OFRS – Authorization Response
card number screen
OFAL Authorizations by OFDL – Display Authorization Log
card number

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Important Screens in FAS

Screen Displays To view detailed information, FAS

automatically transfers to
OFST  
TCP/IP Socket Initiator

OFCJ A picture of the log OFDL – Display Authorization Log

file
OFMP Processing  
parameters
OFSP System control
parameters

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OFRQ – Authorization Request

OFRQ ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 00 07/10/04F1

AUTHORIZATION REQUEST 02:28:30
RLSE 8.00

TYPE OF REQUEST. . . . . . . . ( A )
CARD NUMBER. . . . . . . . . . ( 0005215317000085082 )
SEQUENCE NUMBER. . . . . . . . ( 0001 )

VALID TYPE OF REQUESTS ARE:

A = AUTHORIZATION REQUEST
V = ADDRESS VERIFY REQUEST
F = FORCE AUTH REQUEST
I = INFORMATION REQUEST
C = CREDIT ADJUSTMENT
K = CHECK VERIFICATION

PF1=OFMU PF2=OFCJ PF3=OFAA PF4=OFMA PF5=ARIQ PF6=ARSD

Enter The Request type and the Card number on this Screen

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OFRQ – Authorization Request

OFRQ ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/10/04F1

AUTHORIZATION REQUEST 03:56:37
RLSE 8.00

MERCHANT ORG/NUMBER. . . . . . ( 001 - 999999998 )

CARD NUMBER. . . . . . . . . . 0005215317000085082
SEQUENCE NUMBER . . . . . . . 0001
AMOUNT . . . . . . . . . . . . ( 1000 ) NO DECIMAL
CREDIT PLAN . . . . . . . . . ( 10001 )
EXPIRATION DATE . . . . . . . ( 1105 ) MMYY
C/H BILLING ADDRESS. . . . . . ( )
C/H ZIP/POSTAL CODE . . . . . ( )
CVC2 . . . . . . . . . . . . . ( 000 )

ON-US MASTERCARD ACCOUNT

PF1=OFMU PF2=OFCJ PF3=OFAA PF4=OFMA PF5=ARIQ PF6=ARSD

Enter the Merchant Number, Amount, Credit Plan and Expiration Date.

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 OFRS – Authorization Response
-Approval
OFRS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/10/04F1
AUTHORIZATION RESPONSE 03:57:17
AUTHORIZATION APPROVED RLSE 8.00
HOUSEHOLD CREDIT SE/ TEMP CR LIMIT .00
MER ORG/NBR/CTGY 001/999999998/0000 CREDIT LIMIT 4,300.00
140/201/0005215317000085082/10001/D/6 CURR BALANCE .00
PETERSEN,HERBERT C BLK/WC / /0000000 AVAIL CREDIT 4,300.00
SRC/REQ H/A-AUTH EXP DATE 11/30/2005 AVAIL CASH 4,300.00
CVC2 N RETAIL AVS MEMO DB 000 .00
TRIAD N SCEN ID 000 STGY ID 111 PRTFL 40 MEMO CR 000 .00
TRANS AMOUNT 10.00 DISPUTED 00000 .00
RESP CODE 00 APPROVE AUTH CODE R10074
ACTION ( A ) REASON APPROVED
-------------------------( NAME AND ADDRESS PANEL 01 )-------------------------
NAME LINE1 PETERSEN,HERBERT C SSAN 0/090284251
NAME LINE2 DL CTRY/STATE /
ADDR LINE1 76 GAYMORE RD DL NBR
ADDR LINE2 ST/PSTL CD NY /123456789
CITY PRT JEFF STA HM PH 16314737976
COMAKER NM CO PH
EMPLOYER EM PH
MEMO LINE-11207 1700 0000 G019 - HBUS CONV -050604 - DO NOT RE RESID FLAG 0
MEMO LINE-2
PF1=OFMU PF2=SCROL PF3=OFAA PF4=OFMA PF5=ARIQ PF6=ARSD

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OFRS – Authorization Response -
Decline
OFRS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/10/04F1
FORCED AUTHORIZATION RESPONSE 04:07:31
RLSE 8.00
HOUSEHOLD CREDIT SE/ TEMP CR LIMIT .00
MER ORG/NBR/CTGY 001/999999998/0000 CREDIT LIMIT 1,177.00
001/001/0004032005030005485/10001/A/6 CURR BALANCE 839.03
MOES,LAURA C BLK/WC E/ /1000000 AVAIL CREDIT 337.97
SRC/REQ B/A-AUTH EXP DATE 05/31/2001 AVAIL CASH 337.97
OTHER P AVS MEMO DB 000 .00
TRIAD N SCEN ID 000 STGY ID 191 PRTFL 01 MEMO CR 000 .00
TRANS AMOUNT 45.00 DISPUTED 00000 .00
RESP CODE 54 APPROVE AUTH CODE 000000
ACTION ( D ) REASON 082/CRD EXPIRD
-------------------------( NAME AND ADDRESS PANEL 01 )-------------------------
NAME LINE1 MOES,LAURA C SSAN 0/473921970
NAME LINE2 DL CTRY/STATE /
ADDR LINE1 692 LAFOND AVE DL NBR
ADDR LINE2 ST/PSTL CD MN /551041603
CITY SAINT PAUL HM PH 16512246602
COMAKER NM CO PH
EMPLOYER EM PH 6516444321
MEMO LINE-1CM SNDNG PYMT OF 1000.00 ON 7-19-97 RESID FLAG 0
MEMO LINE-2LVMAQ - LM SURVEY COMPLETED 01/09/02
PF1=OFMU PF2=SCROL PF3=OFAA PF4=OFMA PF5=ARIQ PF6=ARSD

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OFAA – Account Activity

FMAA/B - Account Activity File

• Account Number
Key
• Log File Indicator
• RBA of the Log Record

Data Area Sales Amount

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OFAA – Account Activity

OFAA ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 00 07/10/04F1

CARD ACTIVITY 04:10:43
RLSE 8.00
ORGANIZATION NUMBER. . . . . . ( )
CARD NUMBER. . . . . . . . . . ( 0005215317000085082 )
SEQUENCE NUMBER . . . . . . . ( 0001 )

PF1=OFMU PF2=OFRQ PF3=OFMA PF4=OFDS PF5=OFSA PF6=OFCJ

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OFAA – Account Activity

OFAA ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01

07/10/04F1
CARD ACTIVITY 04:35:36
RLSE 8.00
ORG/LOG/AC 140/201/0005215317000085082-6 CR LIMIT TEMP .00
CRD/SEQ ( 0005215317000085082 ) ( 0001 ) CR LIMIT 4,300.00
PETERSEN,HERBERT C BLNG/STMT 12/ -01 CURR BALANCE .00
CREDIT PLAN CASH/RETAIL 20001/10001 AVAIL CREDIT 4,270.00
ACCT TYPE BANKCARD STAT D BLKS1/2 / AVAIL CASH 4,270.00
OPEN DT 01/01/1976 CARD SCHEME 0 MEMO DB 002 30.00
EXP DTE 11/30/2005 WARNING CODES 0000000 MEMO CR 000 .00
CRD AC/TY/RQ/OUT/RTN 00/0000/000/001/000 DISPUTED 00000 .00
TRANS APPR CDE/ TERMID DAY
SEL DATE TIME AMOUNT RSP REASON REQUEST TYPE BIN/ICA/FID CD
1 071004 0143 .00 AP C10070 ATM BALANCE RQST 005947
2 071004 0204 .00 AP C10071 ATM BALANCE RQST 005947
3 071004 0215 .00 AP C10072 ATM BALANCE RQST 005947
4 071004 0218 .00 AP C10073 ATM BALANCE RQST 005947
5 071004 0357 10.00 AP R10074 RETAIL PURCHASE cMoV
6 071004 0406 20.00 AP R10075 RETAIL PURCHASE cMoV

ENTER SELECTION NUMBER ( ) END OF ACTIVITY FOR THIS CARD

PF1=OFMU PF2=*TOP* PF3=*BOT* PF4=*PRV* PF5=*BWD* PF6=*FWD*

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OFCJ – Picture of the Log File

FMLA/B - Account activity File

Key
Relative byte address stored in FMAA/B file

• Auth activity record or

Data Area • Maintenance record or
• Message record or
• Special handling record etc

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OFCJ – Picture of the Log File

OFCJ ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 00 07/10/04F1

CHRONOLOGICAL JOURNAL 04:30:26
RLSE 8.00
SYSTEM STATUS. . . . . . . . . 0 (ACTIVE)
ACTIVE LOG . . . . . . . . . . B
RECORD TYPE. . . . . . . . . . ( )
CARD AND SEQ. NUMBER . . . . . ( ) ( )
TXN REC TYPE. . . . . . . . . ( ) 4/5/6
START DATE . . . . . . . . . . ( )
START TIME . . . . . . . . . . ( ) HHMMSS
END DATE . . . . . . . . . . . ( )
END TIME . . . . . . . . . . . ( ) HHMMSS
TERMID . . . . . . . . . . . . ( )
ORG NUMBER (ACCOUNT) . . . . . ( )
MERCHANT NUMBER. . . . . . . . ( )
LOG FILE . . . . . . . . . . . ( ) A/B/C/D
VALID RECORD TYPES ARE:
A = ACCT ACTIVITY O = POP-UP TERM OPER V = VISA ISO BITMAP SPACE = ALL TYPES
B = AMBS MAINT P = PARM MAINT Z = MC ISO BITMAP W = AMEX ISO BM
E = EOD TAG R = AMED MAINT T = TRIAD G = AMEX EXCP MSG
F = START AFT-HRS S = SPEC ACCT HNDLG C = CRIS ALERTS
M = ADMIN MESSAGE X = MSG/RESP ERROR Y = EURO ISO BITMAP

PF1=OFMU PF2=OFAA PF3=OFMA PF4=OFAL PF5=OFML PF6=OFSA

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OFCJ – Picture of the Log File

OFCJ ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/10/04F1

*** LOG "B" *** CHRONOLOGICAL JOURNAL 04:40:34
<<MOVE CURSOR TO RECORD (TYPE "A" ONLY) AND PRESS ENTER>> RLSE 8.00
R APPR SF RRRFI TERM
DATE TIME TTORG CARD NUMBER SEQ AMOUNT CODE RSN QRCFS ID
0710 004001 A6140 0005491098430000041 0001 ATM BALNCE C10068 000AA A NM OFJM
0710 004004 A6140 0005215318530000039 0001 ATM BALNCE C10069 000AA A NM OFJM
0710 013604 A6150 0007824149102770025 0001 ATM BALNCE 006DD A NV OFKM
0710 013901 A6150 0007824149102770025 0001 ATM BALNCE 006DD A NV OFKM
0710 014306 A6140 0005215317000085082 0001 ATM BALNCE C10070 000AA A NM OFJM
0710 014928 A6140 0005215317000146942 0001 ATM BALNCE 070DD A NM OFJM
0710 015304 A6140 0004254935916009147 0001 ATM BALNCE 060346 000AA A NV OFKM
0710 015342 A6140 0004254935916009147 0001 ATM BALNCE 060347 000AA A NV OFKM
0710 015538 A6140 0005215317000146942 0001 ATM BALNCE 070DD A NM OFJM
0710 020405 A6140 0005215317000085082 0001 ATM BALNCE C10071 000AA A NM OFJM
0710 020504 A6140 0005215317000146942 0001 ATM BALNCE 070DD A NM OFJM
0710 021511 A6140 0005215317000085082 0001 ATM BALNCE C10072 000AA A NM OFJM
0710 021859 A6140 0005215317000085082 0001 ATM BALNCE C10073 000AA A NM OFJM
0710 024806 A6140 0005215317000146942 0001 ATM BALNCE 070DD A NM OFJM
0710 025050 A6150 0007824149102770025 0001 ATM BALNCE 006DD A NV OFKM
0710 035716 A6140 0005215317000085082 0001 10.00 R10074 000AA A NH cMoV
0710 040620 A6140 0005215317000085082 0001 20.00 R10075 000AA A NH cMoV
************* E N D O F F I L E H A S B E E N R E A C H E D *************
PF1=OFMU PF2=OFAA PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

To view details of a Particular Transaction, place the cursor on the line for the authorization that
you want to examine. When you press Enter, FAS displays the Log record (OFDL).

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OFDL – Display Authorization
Log
OFDL ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01 07/10/04F1
ON-US MC DISPLAY AUTHORIZATION LOG RECORD 04:44:21
RECORD SELECTED FROM LOG FILE B, RBA = 0000150528, X'00024C00') RLSE 8.00
ORG/LOGO/CRD 140/201/0005215317000085082 SEQ/MTI/RQT/IS/RT 0001/0100/A/HOST/6
002 PRIMARY ACCT NBR 0005215317000085082 015 DATE OF SETTLEMENT 0000
003 PROCESSING CODE 00-00-00 016 DATE OF CONVERSION 0000
004 TRANSACTION AMOUNT 10.00 017 DATE OF CAPTURE NOT LOGGED
005 SETTLEMENT AMOUNT .00 018 MERCHANT CATEGORY CODE 0000
006 CARDHOLDER BILL AMT .00 MERCHANT ORG 001
TRANSACTION ISS AMT 10.00 MERCHANT NBR 999999998
007 GMT DATE AND TIME 0710/10:57:14 019 ACQ INST COUNTRY CODE 840
TIME/ABS SENT 00:00:00/298420634940 020 PAN COUNTRY CODE 000
TIME/ABS RCVD 03:57:14/298420634980 021 FORWARDING COUNTRY COD NOT LOGGED
008 CARDHLD BILL FEE NOT LOGGED 022 POS ENTRY MODE 0120
009 CONV RATE SETTLEMENT 0/0000000 023 SEQUENCE NBR 000
010 CONV RATE CARDHLD BILL 0/0000000 024 NETWORK INTL ID NOT LOGGED
INTERNAL CONVERSION RATE NOT LOGGED 025 POINT OF SERVICE COND CODE 00
011 SYSTEM TRACE AUDIT NBR 000000 026 PIN CAP CODE 00
012 TIME LOCAL TRANS 027 AUTH ID RESP LENGTH 6
013 DATE LOCAL TRANSACTION 0000 028 AMT TRAN FEE NOT LOGGED
014 EXPIRATION DATE 1105 029 AMT SETT FEE NOT LOGGED

PF1=OFMU PF2=OFAA PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

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OFDL – Display Authorization Log

OFDL ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 02 07/10/04F1

ON-US MC DISPLAY AUTHORIZATION LOG RECORD 04:49:08
RECORD SELECTED FROM LOG FILE B, RBA = 0000150528, X'00024C00') RLSE 8.00
030 AMT T PROC FEE NOT LOGGED 042 CARD ACCPT ID CDE 999999998
031 AMT S PROC FEE NOT LOGGED 043 CRD ACC NME LOC HOUSEHOLD CREDIT
032 ACQ INST ID (AID) 00000005947 044 ADDITIONAL RESPONSE DATA
033 FWD INST ID (FID) 00000000000 044 VISA
034 PAN EXTENDED NOT LOGGED 044.1 STIP RETURN CODE
035 TRACK II NOT LOGGED 044.2 AVS RESULT
036 TRACK III NOT LOGGED 044.3 TELECODE RESULT
037 RET REFERENCE NBR 298420634980 044.4 AUTO SVC CODE
038 AUTH ID RESP CODE R10074 044.5 CVV RESULT
039 RESPONSE CODE 00 044.6 PACM DIVERSION LEVEL CODE
RESPONSE CODE DESC APPROVE 044.7 PACM DIVERSION REASON CODE
SYSTEM ACTION A 044.9 DECL RSN CD
FINAL ACTION A 044.10 CVV2 RESULT
ACTION REASON 000 044.13 CAVV RESULT
ACTION REASON DESC APPROVED 044 AMEX
000/ 000/ 000/ 000/ 000/ 000/ AAV RESULT
040 SERVICE RESTRICTION CODE SECURITY CONTROL INFO RESULT
041 CARD ACCEPTOR TERMINAL ID 044 MC EUROPE

PF1=OFMU PF2=OFAA PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

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OFDL – Display Authorization Log

OFDL ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 13

ON-US MC DISPLAY AUTHORIZATION LOG RECORD 05:55:59

RECORD SELECTED FROM LOG FILE B, RBA = 0000150528, X'00024C00') RLSE 08.00
INTERNALLY DEFINED FIELDS (NON ISO)

NBR INVALID PIN TRIES 00 TIME IN/OUT QUE 00:00:00/00:00:00

INVALID PIN DATE 00/00/0000 TIME IN/OUT PENDING 00:00:00/00:00:00
TRAN CODE 053/RETAIL PURCHASE INTERFACE TEMP ST QUE NAME
POS/PROC/PARM /A/S LOGID/RBA/MIR /000000000/000000000
FORCED TRANSACTION N AH LOGID/RBA/MIR /000000000/000000000
CALL NUMBER 000000000 CURRENT BAL .00
CARD TYPE 004/000=ONUS M/C AVAILABLE CR 4,290.00
SPECIAL HANDLING NO CASH CURR BAL .00
AUTH TERM-ID cMoV CASH AVAIL CR 4,290.00
REVERSAL CODE SPACE=NOT REVERSD CREDIT PLAN 10001
REVERSAL REASON NOT A REV ORIG ACCTNBR
AMOA REVERSAL DATE 00/00/0000 AMOA REVERSAL TIME 00:00:00
REFERRAL QUE TRM TABLE INDEX 00 POS USER DATA AREA
OPERATOR XXXXXX
UNDER MERCHANT FLOOR LIMIT
ORIGINATING SYSID LCM1
CUR CNV RT/CD/DT/FL /000/0000/ AUTH AMOUNT 10.00

PF1=OFMU PF2=OFAA PF3=*TOP* PF4=*BOT* PF5=*BWD* PF6=*FWD*

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OFST – TCP/IP Socket Initiator

OFST ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 00

TCP/IP SOCKET INITIATOR LOCATE 06:04:42

RLSE 08.00

ENTER FUNCTION NUMBER ( ) 1 THRU 4

1 - VISA TCP/IP STARTUP

2 - MASTERCARD TCP/IP STARTUP
3 - EUROPAY TCP/IP STARTUP
4 - AMEX TCP/IP STARTUP

PF1=OFMU PF2=OFSS PF3=OFMP PF4=OFSM PF5=RESERVED

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OFST – TCP/IP Socket Initiator

OFST ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 02 07/10/04F1

MASTERCARD MIP TCP/IP SOCKET INITIATOR 06:05:53
RLSE 08.00

*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*

PLACE AN 'S' OR 'T' NEXT TO DESIRED MIP TCP/IP SOCKET(S) AND PRESS <ENTER>

SELECT DVC PORT NBR SERVER IP ADDR - - - SOCKET STATUS - - -

( ) A XXXX XXX.XXX.XXX.XXX INACTIVE

*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*

PF1=OFMU PF2=OFSS PF3=OFMP PF4=OFSM PF5=*RFSH

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OFSS – System Status

OFSS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 00

SYSTEM STATUS LOCATE 06:10:17

RLSE 08.00

ENTER FUNCTION NUMBER ( ) 1 THRU 5

1 - HOST FUNCTIONS
2 - VISA FUNCTIONS
3 - MASTERCARD FUNCTIONS
4 - EUROPAY

PF1=OFMU PF2=OFMP PF3=OFSP PF4=OFQP PF5=OFQS PF6=OFSM

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OFSS – System Status

OFSS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 01

SYSTEM STATUS (HOST FUNCTIONS) 06:11:18

RLSE 08.00

ENTER FUNCTION NUMBER ( ) 1 THRU 7

- - -CMS CONTROLLED HOST FUNCTIONS - - - CENTER HOST STATUS -

1 - END-OF-DAY TRANSACTION CUTOFF AUTHORIZATION SYSTEM ACTIVE
2 - AFTER-HOURS SHUT-DOWN ACTIVE LOG FILE - B
3 - RESUME NORMAL PROCESSING END-OF-DAY TAG RBA - 0000000000
4 - AFTER-HOURS TRANSACTION UPD RESTART AFT-HRS TAG RBA - 0000000000
5 - MASTER BIN TABLE REFRESH LST UPD RBA- 0000000000
6 - TRIAD AUTH TABLES REFRESH
7 - FAS FILE TABLE REFRESH

PF1=OFMU PF2=*RFSH PF3=OFSP PF4=OFQP PF5=OFMP PF6=OFSM

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OFSS – System Status

OFSS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 02

SYSTEM STATUS MENU (VISA FUNCTIONS) 06:13:13

RLSE 08.00

ENTER FUNCTION NUMBER ( ) 1 THRU 6

- - - - -VISA NETWORK FUNCTION - - - - - VISA STATUS -

1 - SIGNON VISANET NETWORK NOT CURRENTLY SIGNED ON TO VISANET
2 - SIGNOFF VISANET NETWORK
3 - ENTER SUPPRESS INQUIRY MODE
4 - EXIT SUPPRESS INQUIRY MODE
5 - REQUEST DELAYED ADVICES DELAYED ADVICES - YES
6 - HALT DELAYED ADVICES

PF1=OFMU PF2=*RFSH PF3=OFSP PF4=OFQP PF5=OFQS PF6=OFSM

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OFSS – System Status

OFSS ( ) FINANCIAL AUTHORIZATION SYSTEM PAGE 03

SYSTEM STATUS (MASTERCARD FUNCTIONS) 06:15:56

RLSE 08.00

ENTER FUNCTION NUMBER ( ) 1 THRU 4

FUNCTION 1/2/4 PREFIX ( )
- - -MASTERCARD NETWORK FUNCTIONS- - - - MASTERCARD STATUS -
1 - SIGNON BANKNET NETWORK NOT CURRENTLY SIGNED ON TO BANKNET
2 - SIGNOFF BANKNET NETWORK
3 - REQUEST DELAYED ADVICES DELAYED ADVCS
4 - REQUEST RISKFINDER ADVICES RSKFNDR ADVCS

PF1=OFMU PF2=*RFSH PF3=OFSP PF4=OFQP PF5=OFQS PF6=OFSM

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FAS-CMS Interface

• When interfaced with CMS, FAS accesses the

data on some of the CMS master files for
deciding if a sale to be approved or
declined`

• If the request is approved, the “open-to-

buy” amount for the account is adjusted to
reflect the transaction by increasing the
appropriate memo debit or credit amount

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FAS-CMS Interface

• The Master files referred to are.

• AMBS – Base segment

• AMED – Embosser data

• AMNA – Name and address

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 FAS-CMS Interface

• Incoming Authorization File (ATIA) creation

• OFD100, the first batch program in the FAS end-of-day

batch process generates a user input file ATIA for the
CMS daily run. Only the minimum necessary
information is extracted into the ATIA file

• This ATIA file is then processed by the Posting program

to match the Auths with the actual transactions

ATIA

FAS
Log OFD100
File
ATUD
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FAS-CMS Interface

CMS helps to Minimize Fraud:

• Minimizing credit card fraud is a major

priority for many issuers today

• Fraudulent behavior can be marked by

high volume and large purchases within
a short period of time to identify and
track fraud more effectively, CMS
contains controls for monitoring selected
areas of potential fraud

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FAS-CMS Interface

• CMS has the following fraud

controls:

• Excessive purchases
• Excessive return to purchase
frequency
• Excessive authorizations
• Credit line control
• First card usage

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FAS-CMS Interface

ARQL ( ) WHIRL DEVELOPMENT LCM1 PAGE 07 07/21/2004

LOGO RECORD 22:46:08
ORGANIZATION 001 LOGO 001 BLOCK CODE MATRIX

B P R A F W W W W S D C C B R C N L
PRI R O I U C L M O N T F I B BS C D D RS B T *-DESCRIPTION-*
00 N 0 Y 0 N N N N N N N N N 00 0 0 0 00 0
A 45 Y 1 Y 1 N N N N N N N N Y 00 0 0 0 00 0 TEMP CANCEL
B 93 Y 1 N 1 W Y Y Y N H N M Y 97 0 0 0 00 0 BANKRUPTCY
C 86 Y 0 N 1 N N N N N N N N Y 68 0 0 0 00 0 SETTLEMENT
D 34 Y 0 N 1 N N Y N N N N N Y 27 0 0 0 00 0 ACC CLSD BY CH
E 65 Y 1 N 1 N N Y N N N N N Y 90 0 0 0 00 0 ACCT CLS BY COL
F 96 Y 1 N 3 W Y Y Y Y H N M N 03 0 0 0 00 0 FRAUD
G 78 Y 1 N 1 N Y Y Y N N N N Y 90 0 0 0 00 0 DMP ACCOUNT
H 50 Y 0 R 1 N N N N N H N N Y 00 0 0 0 00 0 RETURN MAIL
I 81 Y 1 N 1 N N Y N N N N N Y 98 0 0 0 00 0 AGENCY
J 00 N 0 Y 0 N N N N N N N N N 00 0 0 0 00 0 NOT USED
K 87 Y 1 N 1 W Y Y Y Y H N M Y 21 0 0 0 00 0 DECEASED
L 90 Y 1 N 2 W Y Y Y Y H N M Y 03 0 0 0 00 0 LOST/STOLEN
M 55 Y 1 N 1 N N Y N N N N N Y 26 0 0 0 00 0 ACC CLSD/ISSUER

PF1=ARMU PF2=ARQS PF3=ARQO PF4=ARQG PF5=ARQC PF6=MAINT

Code that indicates how CMS handles authorizations for accounts assigned to this
block code. This value becomes WARNING CODE 1 on the Account Base Segment
record. 2 Above means Decline and Pick-Up
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FAS – CMS Interface

ARQL ( ) WHIRL DEVELOPMENT LCM1 PAGE 18 07/21/2004

LOGO RECORD 22:43:51
ORGANIZATION 001 LOGO 001

ACCOUNT-LEVEL AUTHORIZATION FRAUD PARAMETERS

** APPROVED RETAIL AUTHORIZATIONS**
DAY1: NBR1 030 AMT1 00000099999999900
DAY2: NBR2 999 AMT2 00000099999999900
DAY3: NBR3 999 AMT3 00000099999999900
DAY4: NBR4 999 AMT4 00000099999999900
DAY5: NBR5 999 AMT5 00000099999999900
DAY6: NBR6 999 AMT6 00000099999999900
DAY7: NBR7 999 AMT7 00000099999999900
** DECLINED RETAIL AUTHORIZATIONS**
DAY1: NBR1 999 AMT1 00000099999999900
DAY2: NBR2 999 AMT2 00000099999999900
DAY3: NBR3 999 AMT3 00000099999999900
DAY4: NBR4 999 AMT4 00000099999999900
DAY5: NBR5 999 AMT5 00000099999999900
DAY6: NBR6 999 AMT6 00000099999999900
DAY7: NBR7 999 AMT7 00000099999999900
CURRENCY 840 NOD 2 PER ITEM NOD 3 PERCENTAGE NOD 7
PF1=ARMU PF2=ARQS PF3=ARQO PF4=ARQG PF5=ARQC PF6=MAINT

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FAS – FALCON

• Analyzes authorization data in real time,

comparing it with individual cardholder
behavior and current fraud trends

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FAS – FALCON

Work Station

Scoring

FAS FALCON
Analysis
(Authorization
System)

Fraud Case

Work Station

Databas
e

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After Hours Processing – CMS

THE THREE MAIN FUCTIONS/STEPS INVOLVED

ARCH - After hours.

After Hours

After Hours
ARCA - After hours update.
Update(STIP)

AROA - Normal

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After Hours Update – CMS - ARCH
Status of the Files
AMBS AMBSA
(Normal (Mirror AMBSS
) file) (Shado
w file)
Close Open- Open-
Read only Update
Inquir
Maintenance
y

AMBSS

Not found Update

AMBSA

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After Hours Update – CMS - ARCA

Status of the Files

AMBS AMBSA ARCA
(Normal (Mirror AMBSS
) file) (Shado
w file)
Close Close Close
• All CMS files closed
AMBS
• All After Hours files closed

AMBSA • No transactions possible

during this period

AMBSS • Master files are re-

organized
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Normal Processing - CMS – AROA

Status of the Files

AMBS AMBSA AMBSS
(Normal) (Mirror file) (Shadow
AROA
file)
Open- Close Close
Update

Inquiry/Maintenance
• All CMS files opened

AMBS • All After Hours files closed.

• System resumes normal

processing

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After Hours Processing – FAS – ARCH

• EOD is set by ARCH - which invokes OFED

• Record type E is written in current log file

(FMLA/B)

• Both the log files are logged on

• ATIA file is created from the Active LOG file

which is an
input to the CMS batch(OFD100)

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After Hours Processing – FAS – ARCH

FMLA FMLB

Network Write to Both

LOG files
AMBSS

Update
Not found

AMBSA

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Update Processing – FAS - ARCA

• After-hours update is set by ARCA – which

invokes
OFAH

• All FAS files are closed

• Record type F is written to Log files

• During this period all the Authorizations are

done
by Visa/MasterCard or a stand in processor

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After Hours Update Processing – FAS –
ARCA

Network
AMBSS

Closed

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Normal Processing – FAS – AROA

• Resume-normal-process is set by CMS

function AROA - invokes OFRN

• All FAS Files are opened

• The Visa/MasterCard network sends

advices for all the requests processed
during the STIP period

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Normal Processing – FAS – AROA

• All these advises are Logged into the

Log file FMLB

• Invokes another transaction OFAU ,

which updates Master files with after
hours authorizations from log file B

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Normal Processing – FAS – AROA

Network
Update
AMBS Log File

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After Hours Flow

OEDF ARCH Log File A Active

1. Write EOD Tag RBA in Log (Begin Hours After)
File A
Log records in both the
files
Execute OFD100 to
produce
ATIA file
ARCA
(No Processing)

OFAH AROA OFRN

1. Write After Hours Tag RBA (Normal 1. Start processing
in Log File B Processing) Auths.
2. Apply the
transactions from
ARCH to AMBS file
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Normal Processing – FAS – AROA

Network
Update
AMBS Log File

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 Standard naming conventions
for FAS

Batch Program

Position Description

1–3 OFD Daily Programs

OFU Utility Programs

4–6 NNN Program Number

7–8 YY Subroutine

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 Standard naming conventions
for FAS

Online Program

Position Description

1–3 OFO Online Program Identifier

4–5 XX Last Two Characters of Function

Identifier

6–7 NN Screen Page Number

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