Technical Specifications on Bankcard. Interoperability. (Version 2.1) Part I Transaction Processing

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1 Technical Specifications on Bankcard Interoperability (Version 2.1) Part I Transaction Processing October 2011

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3 Table of Contents Using this Document Application Scope References Terms and Definitions General Processing Flows of Transactions Request and Advice Transaction Request Transaction Advice Transactions Normal Processing Flow of Request Transaction Normal Processing Flow of Advice Transaction Store-and-forward Mechanism of Transaction Message Explanation on Transaction Switch Processing Single-message Transactions Processing Pre-authorization Transaction 0100/ MO/TO Pre-authorization Transaction 0100/ Pre-authorization Cancellation Transaction (Online) 0100/ MO/TO Pre-authorization Cancellation Transaction (Online) 0100/ Financial Transaction 0200/ Balance Inquiry 0200/ UnionPay Card Exchange Rate Inquiry 0600/ Reversal Advice 0420/ Financial Advice Transaction 0220/ Manual Transaction Cross-border Single Message Transaction verified via CUPSecure Dual-message Transaction Processing Authorization Transaction Authorization Cancellation Transaction Reversal Transaction Balance Inquiry Transaction Timeout Setting Timeout Setting Rules for General Transactions IC Card Transaction based on CUPIC Debit/Credit Standards Supported Transaction Types i

4 5.4.2 E-cash Application-based Transaction Types Explanations on Stand-in Authorization Transaction Processing Overview of Stand-in Authorization Transaction Processing Stand-in Authorization Transaction Obtaining Stand-in Authorization Transaction Log Transactions resulting from Processing of Clearing and Settlement CUPS Cutoff Advice Transaction (0820/0830) Processing Flow of Transactions resulting from Self-Administered Clearing/Settlement Processing Flow of Message Sending amid CUPS Cutoff Period Processing of Clearing/Settlement Files Time Sequence of CUPS Clearing and Settlement Time Sequence Coordination Explanations on Dispute Resolution Description of Dispute Resolution Transaction Inquiry, Inquiry Response, Retrieval Request and Retrieval Request Fulfillment Retrieval Request Postponement Credit Adjustment, Credit Adjustment Cancellation Debit Adjustment, Debit Adjustment Cancellation Chargeback, Chargeback Cancellation Representment, Representment Cancellation Second Chargeback, Second Chargeback Cancellation Good Faith, Good Faith Response Special Adjustment, Special Adjustment Cancellation Fee Collection/Funds Disbursement,Fee Collection/Funds Disbursement Cancellation Dispute Processing of Domestic/Cross-border Transactions General Flow of Dispute Submit over Network Platform Explanations on Processing of Management and Security Control Related Transactions Network Management Advice Transaction (0820/0830) Transaction Description Transaction Flow Key Reset (0800/0810) Transaction Description Transaction Flow Flow of Transaction Abnormalities Processing ii

5 10.1 Overview Rules of Abnormalities Processing Rule Rule Rule Rule Message Format Error Message Grammatical Error Message Semantic Error Data Security Confidentiality Error PIN Error MAC Error Communications Abnormality Setting of Issuer s Invalid Status by CUPS Individual Failure Dual Failures Terminal Operation Error Without Communication Failures Communication Failures Transaction Abnormalities Processing Remittance Transaction (online) Abnormalities Processing Designated Account Loading and cash Loading of E-Cash Application based on CUPIC Debit/Credit standard iii

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7 Using this Document Purpose This Part I Transaction Processing is one of the six parts comprising the Technical Specifications on Bankcard Interoperability V2.1.The document specifies the requirements on processing procedures of various online transactions in the UnionPay inter-bank switching network, covering processing procedures of bankcard transaction switching, processing procedures of dispute transactions, processing procedures of transactions on clearing and settlement, and processing procedures of transaction abnormalities. Audience The audiences of this manual are the staff from UnionPay and UnionPay participants. Time Expressed UnionPay has operation centers in several locations including Shanghai, Beijing and Hong Kong. For operational purpose, the time frame in this manual, unless particularly indicated, refers to Beijing time Coordinated Universal Time (UTC) is the basic measuring time throughout the world. Beijing time is 8 hours ahead of UTC. Also, there is no Daylight Saving Time in China. Unless otherwise specified, the Day in this Volume refers to the calendar day and the Business Day refers to the working day subject to local regulations of the country where the processing participant is located. Replacement The October 2011 version replaces your existing document. Revisions UnionPay will periodically issue revisions to this document as enhancements and changes are implemented, or as corrections are required. Occasionally, revisions or additions to this document will be published in an Operations Bulletin. Please refer to the Summary of Revisions for changes reflected in this version. Support 1

8 Please address your questions to the service teams as follows: For questions related to this manual: Fax: (86-21) For questions related to transaction processing: Fax:(86-21)

9 Summary of Revisions Added: MO/TO Refund Description of Change Where to look Section Added: MO/TO Refund Procedures Section

10 1 Application Scope This Specification applies to all UnionPay participants. 4

11 2 References The terms and conditions of the following documents quoted by this Specification have become the terms and conditions of the Specification. The modification list (excluding corrected contents) or revised edition attached to the dated documents shall not apply to this Specification. However, participants may study whether to apply the latest versions of such documents. The latest versions of non-dated documents shall apply to the Specification. UnionPay Operating Regulations CUPIC Financial Integrated Card Specification EMV2000 Integrated Circuit Card Specification for Payment Systems: Book 1 ~ Book 4 5

12 3 Terms and Definitions The following terms and definitions are applied to this Specification. CUPS (China UnionPay System) China UnionPay system (hereinafter referred to as CUPS) is responsible for switching of inter-bank bankcard transactions and collection, clearing and distribution of settlement data. CDRS An Internet-based service platform provided by UnionPay to participants. The platform is capable of providing functions such as dispute and report services that are connected with switching operations. UnionPay Public Service Platform is also known as CUP Dispute Resolution System(CDRS). Acquirer The party who accepts the transaction (the party where the terminal is located). The acquirer is responsible for generating and routing the online transaction information, as well as collecting, arranging and submitting settlement data. Issuer The party where the cardholder opens an account (authorization is approved by the party). Usually, the issuer and its headquarter center or regional center are called Issuer together. Transfer-In The party in which fund is transferred in the transfer transaction. Transfer-Out The party which conveys the fund to the other party in the transfer transaction Pre-authorization The payment acknowledgement or guarantee from the issuer to the agent party. Bank Card Credit payment tool issued to the public by, financial institutions like commercial banks, 6

13 and postal saving and remitting institutions, with all or part of the following functions: consumption credit, transfer settlement, cash deposit and withdraw, etc. Request Message that generates a series of interactive messages. Response Code The code that indicates processing result returned to the sender after the receiver receives the request or advice. Reversal A special transaction initiated by the message sender, and used to inform the receiver that the previous authorization or financial transaction is not completed according to the predefined procedure and corresponding results shall be cancelled. Store and Forward The sender stores the message in the store and forward queue, and sends it repeatedly at intervals within certain periods of times. Settlement The whole process that calculates and submits the net amount of transaction data based on clearing result, and completes the fund transfer. Transaction Relevant information set that achieves the intention of original information introducer, and usually it ends with a debit or credit transaction. The subsequent revision or cancellation can be considered as an independent transaction set. Single Message A transaction mode under which the acquirer submits transaction information to the issuer,and then CUPS does settlement based on the log and the acquirer does not need to submit presentment files. Single Message Transaction A transaction is transmitted only once for authorization, clearing and settlement, which is also called comprehensive financial transaction, i.e. authorization, clearing and settlement all take place online. 7

14 Dual Message A transaction mode under which the acquirer first submits authorization request to the issuer, and then submits settlement information to the issuer collectively in the form of presentment file at some time afterwards. Dual-Message Transaction A transaction is transmitted twice. For the first time, it is only for authorization, and for the second time, the additional information is for clearing and settlement, i.e. real-time authorization processing and non real-time clearing and settlement processing. Advice Messages sent to relevant parties informs the actions that have already taken place, with no approval required CUPIC Standards CUPIC is the core chip migration program of UnionPay. It is based on UnionPay IC card specifications which are highly compliant to EMV and ISO standards. CUPIC Standards specifically refer to Financial Integrated Circuit (IC) Cards Specification. EMV Standards EMV is the acronym of EUROPAY, MASTERCARD and VISA. The IC card debit/credit application standards are jointly constituted by these three companies is abbreviated to EMV Standards. EMV ready According to the current CUPIC debit/credit draft standard, it stands for support of four major functions, namely special information transmission, security authentication, transaction features and issuer partial script application in case of stand-in authorization. ARQC (Authorization Request Cryptogram) ARQC is the abbreviation of authorization request cryptogram, and it is the application cryptogram generated by IC card for processing transactions online. During the online card authentication procedure, issuer approves the validity of the card in current transaction via the authentication of ARQC. ARPC (Authorization Response Cryptogram) 8

15 ARPC is the abbreviation of authorization response cryptogram, and it is the application cryptogram generated by the issuer and returned to the terminal in online authorization message. It is used to verify whether online authorization response comes from the real issuer. CUPSecure (China UnionPay Secure) Safety system that is established by UnionPay for bankcard transactions in Internet E-commerce area. UnionPay Secure Information Collection Mode The secure authentication mode under which issuing institution verifies and completes corresponding payment transactions while UnionPay collects secure information for issuing institution and forwards it to issuing institution. Issuer Secure Authentication and Authorization Mode The secure authentication mode under which cardholder inputs identification authenticationsecureinformationontheinterfaceprovidedby Secure Authentication and Authorization Sever (SAA) and completes corresponding payment transactions. IC Card Debit/Credit Application based on CUPIC Debit/Credit Standard It refers to the application protocols and related data set between the financial IC card and the terminal to implement debit/credit function. It is applicable to transaction processing between the financial IC card with financial debit/credit account issued by banks and various terminals supporting the application. IC Card E-cash Application (Low-value Payment Application) based on CUPIC Debit/Credit Standard It refers to the application protocols and related data set based on CUPIC debit/credit application to implement low-value payment function. It is applicable to transaction processing between the financial IC card with low-value payment function issued by banks and various terminals supporting the application. MO/TO It is the abbreviation of Mail Order/Telephone Order. In this specification it refers to the process of cardholders of UnionPay credit card confirming the purchase of commodities or services through telephone, mail, or other non face-to-face method. Merchants initiate the debit request and complete the payment procedure. 9

16 Recurring A recurring transaction refers to a transaction initiated by a merchant that is authorized by a cardholder in an agreement to make the payment for some services on behalf of the cardholder with the his/her credit card and submit the transaction information (or batch file) to its acquirer on a regular basis through the acquiring platform, terminals or other applicable systems. 10

17 4 General Processing Flows of Transactions 4.1 Request and Advice Transaction Transaction types supported by the CUPS include: Table 1 Classification Table of Transaction Types supported by CUPS Message Type 01XX 02XX 04XX 05XX 06XX 08XX Transaction Type Pre-Authorization Financial/ Financial Advice Reversal Reconciliation Control Management Network Management Above transactions can be classified into two types: request transaction and advice transaction Request Transaction The request transaction is sent from the requesting party (e.g. the acquirer) to the receiver (e.g. the issuer), to inform the other party that a transaction is in progress and response must be sent back after completion of the transaction. After receiving the transaction request, the receiver should directly give the response of approval or refusal of the transaction. If the receiver is not the final receiving institution of the transaction, it is responsible for forwarding the transaction to next institution. The request transaction includes: Pre-Authorization and Authorization Transaction: Pre-authorization and Authorization Request/Response Message (0100/0110) Financial Transaction: Financial Request/Response Message (0200/0210) Network Management Transaction: Network Management Transaction Request/Response Message (0800/0810). CUPS does not support the automatically repeated sending of request message Advice Transactions The advice transaction generally refers to a transaction in which the sender informs the receiver of an action the sender has taken and it requests no authorization but response. 11

18 Acquirer Issuer Part I: Transaction Processing In the Specification the advice transaction can be sent out by acquirer, issuer and CUPS, and the receiver of the transaction should give response accordingly. If the receiver is not the final receiving institution of the transaction, it is responsible for forwarding the transaction to the next institution after giving response to the sender. The advice transaction includes: Financial Advice Transaction: Financial Advice/Response Message (0220/0230) Reversal Advice Transaction: Reversal Advice/Response Message (0420/0430) Management advice transaction: Network Management Advice Message (0820/0830) Normal Processing Flow of Request Transaction The normal processing flow of request transaction includes two types: switched via CUPS and processed directly by CUPS. The descriptions of the two types are as follows Normal Processing Flow Description of the Request Transaction Switched via CUPS 1 4 CUPS Transaction request sent to CUPS from acquirer 2 Transaction request forwarded to issuer by CUPS 3 Transaction response sent to CUPS from issuer 4 Transaction response forwarded to acquirer by CUPS This flow applies to Pre-authorization, MO/TO Pre-Authorization, MO/TO Pre-Authorization Completion(Request), Authorization, Authorization Cancellation, MO/TO Authorization, MOTO Authorization Cancellation, 12

19 Recurring authorization, Recurring authorization cancellation, Pre-authorization Completion (request), Purchase, MO/TO Purchase, Recurring,Cash Withdrawal, Remittance Verification, Remittancetransaction,Pre-authorizationCancellation, Pre-authorization Completion (request) Cancellation, MO/TO Authorization Cancellation, MO/TO Authorization Completion(Request) Cancellation, Purchase Cancellation, MO/TO Purchase Cancellation, Recurring Cancellation, Balance Inquiry Normal Processing Flow Description of the Request Transaction Processed Directly by CUPS. 1 the sender the receiver 2 Figure 2 Normal Processing Flow of the Request Transaction Processed Directly by CUPS 1 Transaction request sent to the receiver by the sender 2 Response sent to the sender by the receiver The processing flow applies to CUPS Key Reset and Network Management Transaction with message type of 0800/ Normal Processing Flow of Advice Transaction The normal processing flow of advice transaction can be classified into two types: switched via CUPS and processed directly by CUPS. The descriptions of the two types are as follows. 13

20 Acquirer Issuer Part I: Transaction Processing Normal Processing Flow of Advice Transaction Switched via CUPS 1 2 CUPS Advice sent to CUPS from issuer 2 Response sent to issuer from CUPS 3 Advice sent to acquirer from CUPS 4 Response sent to CUPS from acquirer Figure 3 Normal Processing Flow of Advice Transaction Switched via CUPS The processing flow applies to reversal advice (initiated by acquirer, and CUPS will forward the reversal advice to issuer after matching the original transaction records.), Refund (online), Pre-authorization Completion (advice) Advice and IC Card Script Processing Result Advice based on CUPIC debit/credit Standard Processing Flow Description of Advice Transaction Processed Directly by CUPS 1 the sender the receiver 2 1 Advice sent to the receiver from the sender 2 Response sent to the sender from the receiver Figure 4 Processing Flow of Advice Transaction Processed Directly by CUPS The processing flow applies to Reversal Advice (initiated by acquirer, and CUPS will not forward the reversal to issuer in case of unsuccessful original transaction, or the reversal is initiated directly by CUPS), Settlement Advice and Network Management Advice. 14

21 Processing Flow Description of Advice Transaction Processed Directly by CUPS 1 the sender the receiver 2 Figure 4 Processing Flow of Advice Transaction Processed Directly by CUPS 1 Advice sent to the receiver from the sender 2 Response sent to the sender from the receiver The processing flow applies to Reversal Advice (initiated by acquirer, and CUPS will not forward the reversal to issuer in case of unsuccessful original transaction, or the reversal is initiated directly by CUPS), Settlement Advice, MO/TO settlement advice and Network Management Advice. 4.2 Store-and-forward Mechanism of Transaction Message In transaction flows, there are two types of situations as follows: The sender cannot send the message to the receiver; The sender cannot receive the response from the receiver after sending the message. In case either of two situations occurs, the sender could store the message in the store-and-forward queue and send the message repeatedly at an intervals within certain times prior to the cut-off of the sender system and when the receiver is in normal status. If there is still no response received after doing so, the sending will be terminated. If funds discrepancy occurs between the sender and the receiver, it will be solved via dispute resolution. This method is called store-and-forward mechanism. Store-and-forward mechanism is normally used for sending some advice messages. 15

22 5 Explanation on Transaction Switch Processing 5.1 Single-message Transactions Processing Pre-authorization Transaction 0100/0110 Pre-authorization transaction is used by acquirer to confirm its approval of cardholder s transaction to issuer. Acquirer takes the estimated purchase amount as the pre-authorization amount and sends it to the cardholder s issuer. After approving the transaction, issuer will put information, such as approve code etc, into the transaction response sent to acquirer. Pre-authorization transaction only controls the cardholder s available balance. Funds settlement will be accomplished by pre-authorization completion transaction. An approved pre-authorization transaction is only valid within a limited time. This transaction is a request transaction that needs to be switched via CUPS. The transaction amount of this transaction is not involved in settlement while the transaction volume is involved in the reconciliation. This transaction may initiate reversal advice. For the conditions to initiate reversal and its processing flows, please refer to Section Reversal Advice MO/TO Pre-authorization Transaction 0100/0110 MO/TO Pre-authorization transaction refers to purchase orders initiated by cardholders through telephone, fax or other agent organizations. This transaction is a request transaction that needs to be switched via CUPS. The transaction amount of this transaction is not involved in settlement while the transaction volume is involved in the reconciliation. This transaction may initiate reversal advice. For the conditions to initiate reversal and its processing flows, please refer to Section Reversal Advice Pre-authorization Cancellation Transaction (Online) 0100/0110 For a successful pre-authorization, a pre-authorization cancellation is used to inform issuer to cancel payment commitment prior to batch clearing. Pre-authorization cancellation must be the full amount cancellation for the original pre-authorization. This transaction is a request transaction switched via CUPS. 16

23 Transaction amount of this transaction is not involved in settlement. When the cancellation and its original pre-authorization are in the same batch or reconciled at the same settlement date, the transaction volume of pre-authorization will be deducted from the total transaction volume in the reconciliation. This transaction could initiate reversal advice MO/TOPre-authorizationCancellation Transaction(Online) 0100/0110 For a successful MO/TO Pre-authorization, a MO/TO Pre-authorization Cancellation is used to inform issuer to cancel payment commitment prior to batch clearing. Pre-authorization Cancellation must be the full amount cancellation for the original pre-authorization. This transaction is a request transaction switched via CUPS. Transaction amount of this transaction is not involved in settlement. When the cancellation and its original pre-authorization are in the same batch or reconciled at the same settlement date, the transaction volume of pre-authorization will be deducted from the total transaction volume in the reconciliation. This transaction could initiate reversal advice Financial Transaction 0200/0210 Financial transaction is used for electronic fund transfer, and stands for that acquirer asks issuer for permission of both cardholder transaction and fund settlement. Financial transaction is classified into transaction request and response. After the transaction request is approved by issuer, cardholder s account will be credited or debited. Financial transaction includes Cash Withdrawal, Remittance, Pre-authorization Completion (request) and Purchase. Financial transaction is a request transaction that needs to be switched via CUPS. The transaction amount of financial transaction is involved in settlement and reconciliation. Financial transaction could initiate reversal advice except deposit transaction. For conditions of generation of reversal and its processing flows, please refer to Section Reversal Advice. Remittance may not trigger any advice messages. For the conditions and procedures for remittance abnormal processing, please refer to Section Cash Withdrawal 17

24 The procedure that cardholder withdraws cash at ATM, POS, bank counter or via other terminal channel Pre-authorization Completion (request) For approved pre-authorization transaction, Pre-authorization Completion (request) is used for settlement MO/TO Pre-authorization Completion (request) It is the procedure of using MO/TO Pre-authorization Completion (request) as payment settlement for the approved MO/TO Pre-Authorization transaction Purchase It refers to the procedure of completing the payment circle with bankcards via POS terminals or other channels when merchants sell commodities or provide services. It can be one-off payment or installment payment MO/TO Purchase It refers to the purchase transaction initiated by cardholders to agent organizations through phone or fax, etc Recurring A recurring transaction refers to a transaction initiated by a merchant that is authorized by a cardholder in an agreement to make the payment for some services on behalf of the cardholder with the his/her credit card and submit the transaction information (or batch file) to its acquirer on a regular basis through the acquiring platform, terminals or other applicable systems. It includes Recurring, Recurring Cancellation, Recurring Reversal, Recurring Reversal Cancellation Remittance Remittance transaction is the combination of two transactions: Verification and Remittance. In Remittance Business, Acquirer is the transfer-out party while Issuer the transfer-in party. A processing flow of Remittance business is showed as follows: 18

25 Acquirer Issuer Part I: Transaction Processing CUPS Remittance Verification Request sent to CUPS from Acquirer (0100) 2-Remittance Verification Request forwarded to Issuer by CUPS (0100) 3- Approved Remittance Verification Response sent to CUPS from Issuer (0110) 4- Approved Remittance Verification Response forwarded to Acquirer by CUPS (0110) 5- Remittance Transaction Request sent to CUPS from Acquirer (0200) 6- Remittance Transaction Request forwarded to Issuer by CUPS (0200) 7-Approved Remittance Transaction Response sent to CUPS from Issuer (0210) 8- Approved Remittance Transaction Response forwarded to Acquirer by CUPS (0210) Abnormal Processing Flows refer to Section Remittance Verification Transaction 0100/0110 Acquirer initiates an Account Verification Transaction for transfer-in account according to customer s requirement. This transaction is a request transaction switched by CUPS. The functions of Account Verification Transaction are shown as follows: Verify the existence of transfer-in card Verify whether the Transfer Transaction is supported by the transfer-in side Check communication line to minimize the failure rate of Remittance Transaction. Check whether the remittance amount exceeds the limit. Acquirer can only proceed with the Remittance Transaction after receiving successful RemittanceVerificationResponse.ARemittanceVerification Transaction can initiate Remittance Transaction only once. If Acquirer cannot receive Account Verification 19

26 Response or receive the failed Account Verification Response, it cannot initiate Remittance Transaction. Acquirer could not initiate Remittance Transaction without Remittance Verification Transaction. Remittance Verification and Remittance must be initiated in the same settlement day. Remittance Verification Transaction cannot initiate reversal and doesn t participate in settlement Remittance Transaction 0200/0210 Acquirer initiates Remittance Transaction after receiving successful Remittance Verification Transaction. Remittance Transaction requests Issuer to verify Cardholder s Transfer and amount. It s a request transaction switched by CUPS. Acquirer should keep the fund after it initiates the Remittance Transaction, no matter whether it can receive Response or whether Response is successful. Funds could be used for further processing. If Acquirer receives approved Remittance Response, it can inform customer that Remittance Transaction succeeded. Funds will reach the account in a real time manner. Otherwise, it should inform customer Remittance Transaction succeeded. Funds will reach the account in a non-real time manner. Generally speaking, after the success of Remittance Verification, Issuers should not reject Remittance Transaction, except for: (1) Remittance Message MAC error verified by Issuer; (2) Remittance Message Format Error found by Issuer. CUPS would match Remittance Transaction with Remittance Verification according to Remittance Transaction s field 90 (original data element) and reject Remittance Transaction if the match failed. Issuer doesn t need to match Remittance transaction with Remittance Verification. Remittance Transaction doesn t initiate reversal. It participates in settlement Financial Cancellation Transaction 0200/0210 For successful financial transactions, the original financial transactions could be cancelled under certain conditions by invoking cancellation transaction to return the original transaction amount prior to settlement. The cancellation must be a full amount cancellation of the original transaction. Cancellationtransactionsoftheoriginalfinancialtransactionsinclude: Pre-authorization 20

27 Completion (Request)cancellation,MO/TOPurchase Cancellation, Recurring Cancellation, MO/TO Pre-authorization Completion(request) Cancellation, purchase cancellation. Financial cancellation transaction is a request transaction that needs to be switched via CUPS, and the transaction flow is the request transaction processing flow switched via CUPS. The transaction amount of financial cancellation transaction is involved in settlement and reconciliation. Financial cancellation transaction could initiate reversal advice. For conditions of generation of reversal and its processing flows, please refer to Section Reversal Advice Balance Inquiry 0200/0210 It is the procedure that cardholder inquires the account balance at ATM or other terminal channels. Balance inquiry is a request transaction that needs to be switched via CUPS, and the transaction flow is the request transaction processing flow switched via CUPS. Balance inquiry is involved in reconciliation, but shall not be taken as evidence of balanced account. Balance inquiry does not initiate reversal. When CUPS cannot forward the inquiry request to issuer, the request will be directly rejected. When CUPS cannot forward the response to acquirer, the response will be directly discarded. When acquirer cannot receive the response from CUPS, the transaction will be directly rejected UnionPay Card Exchange Rate Inquiry 0600/ Transaction Description An exchange rate inquiry transaction, which is initiated before an international remittance transaction, is to obtain exchange rate between the transaction currency and the cardholder-account currency. For example, if the remitting-out currency of an international remittance transaction is HKD while the currency of the remitting-in account is RMB, the cardholder can initiate an exchange rate inquiry transaction first to obtain the remitting-in amount in RMB and exchange rate for HKD against RMB. This transaction is a request transaction directly processed by CUPS, it will not be re-initiated if the sender doesn t receive any response, and response will be dropped if the receiver is 21

28 Acquirer Part I: Transaction Processing not able to send response Transaction Flow The request of the exchange rate inquiry transaction is sent to CUPS by the Acquirer, and the response is sent to the Acquirer by CUPS. 1 2 CUPS 1 UnionPay card exchange rate inquiry (0600) sent to CUPS by the Acquirer 2 Response (0610) sent to the Acquirer by CUPS Figure 6 Flow of UnionPay Card Exchange Rate Inquiry Transaction Reversal Advice 0420/0430 As for the requests with the message type 0100 and 0200, except for remittance and inquiry request etc., reversal advice must be generated if the acquirer and CUPS could not receive response to the transaction request within the certain time. If CUPS cannot forward a successful transaction response to acquirer, reversal advice must be generated as well. When acquirer receives a reversal advice from terminal or CUPS receives a reversal advice from acquirer, response must be given immediately. If the original transaction is successful, it shall be initially set to Reversed Transaction and then a reversal advice will be sent to the next institution, to which the original transaction is sent. Store-and-forward will be adopted in case the sender of the reversal advice cannot receive response. But reversal advice shall not be sent across the settlement date. Transactionsthatgenerate reversal adviceinclude:pre-authorization, Pre-authorization Cancellation, manual Pre-authorizationCancellation, Pre-authorization Completion (request), Pre-authorization Completion(request) Cancellation, Purchase, MO/TO 22

29 Acquirer Issuer Part I: Transaction Processing Purchase, MO/TO Purchase Cancellation, Purchase Cancellation, Recurring, Recurring Cancellation, MO/TO Pre-authorization, MO/TO Pre-Authorization Cancellation, manual MO/TO Pre-authorization Cancellation, MO/TOPre-authorizationCompletion(request), MO/TO Pre-authorization Completion(request) Cancellation, Cash Withdrawal, Reversal advice is not allowed across the settlement date Normal Transaction Flow 1 CUPS Reversal advice (0420) sent to CUPS by acquirer 2 Reversal responses (0430) sent to acquirer by CUPS 3 Reversal advice (0420) sent to issuer by CUPS 4 Reversal responses (0430) sent to CUPS by issuer Figure 7 Flow of Reversal advice Abnormal Transaction Flow Receiver of Reversal Advice Cannot Send Reversal Response When the receiver of the reversal advice cannot send the reversal response to the sender of the reversal advice, the receiver will abandon it directly. The receiver will not send the response to the sender until it receives the reversal advice re-sent by the sender. 23

30 1 2 Sender Receiver Reversal advice sent to receiver by sender 2 Reversal response sent to sender by receiver. Abnormal situation at the receiver. 3 Reversal advice re-sent to receiver by sender 4 Reversal response sent to sender by receiver Figure 8 Abnormal Flow 1 of Reversal Sender of the Reversal Advice Cannot Send Reversal Advice When the sender cannot send the reversal advice to the receiver, the sender will put the reversal advice in store-and-forward queue for storing and forwarding. 1 Sender 2 Receiver 3 1. Reversal advice sent to the receiver by the sender, and it cannot be sent due to faults. 2. Reversal advice re-sent to the receiver by the sender after recovery 24

31 Acquirer Issuer Part I: Transaction Processing 3. Response to the reversal advice from the receiver Figure 9 Abnormal Flow 2 of Reversal Financial Advice Transaction 0220/0230 Financial advice transaction is used for fund transfer and corresponding account processing among acquirer, CUPS and issuer. This transaction applies to following situations: Pre-authorization Completion (advice) initiated by acquirer, settlement advice sent to issuer by CUPS, MO/TO settlement advice, Refund (online) initiated by acquirer, Financial advice transaction is involved in settlement; Pre-authorization completion (advice) initiated by acquirer, Settlement Advice sent to issuer by CUPS, Refund (online) initiated by acquirer and MO/TO settlement advice are involved in reconciliation. Financial advice transaction does not initiate reversal. When the advice sender cannot receive response, store-and-forward shall be adopted but it cannot be resent across the settlement date Pre-authorization completion (advice), MO/TO Pre-Authorization Completion (advice) For approved pre-authorized transaction, in addition to using pre-authorization completion (request) request to settle payment, pre-authorization completion (advice) can be used to complete payment settlement according to relevant business rules. Pre-authorization completion (advice) is the advice transaction switched via CUPS and issuercannotreject thepre-authorizationcompletion(advice).the above-mentioned content is also applicable to MO/TO Pre-Authorization Completion (advice) Normal Transaction Flow 1 4 CUPS 3 1-Pre-authorization completion ( advice) (0220) sent to CUPS by acquirer 2-Response (0230) sent to acquirer by CUPS 3-Settlement advice (0220) sent to issuer by CUPS 4-Response (0230) sent to CUPS by issuer 25 4

32 Figure 10 Flow of Pre-authorization Completion (Advice) Abnormal Transaction Flow If the sender cannot send pre-authorization completion (advice) transaction to the receiver or does not get the receiver s response to the transaction, it will save the advice in the store-and-forward queue for storing and forwarding. 1 Sender 2 Receiver 3 1-Pre-authorization completion (advice) sent to the receiver by the sender cannot be sent out due to failures. 2-After recovery of the sender,, pre-authorized completion ( advice) sent to receiver by the sender. 3-Response to pre-authorized completion (advice )by the receiver. Figure 11 Abnormal Flow of the Pre-authorized Completion (Advice) Settlement Advice, MO/TO Settlement Advice It is the advice in which CUPS forwards dual-message request to single-message issuer while doing single/dual message conversion, and it is the fund settlement advice for the previously approved pre-authorization transaction. MO/TO settlement adviceisthe settlementadvicefor thepreviouslyapprovedmo/to pre-authorization.its settlement procedure is the same as regular settlement advice. Within overtime period if issuer receives settlement advice after cutoff sent by CUPS prior to cutoff; it shall be able to handle settlement advice transactions across settlement dates within overtime period. In case that acquirer adopts dual message processing mode and issuer adopts single message processing mode, CUPS will provide conversion of transaction modes. CUPS will convert records in dual message clearing files into settlement advices record by record and send them to issuer. Issuer cannot reject settlement advice in online 26

33 Acquire r Issuer Acquirer Issuer Part I: Transaction Processing transactions or if issuer needs to reject settlement advice, it could be completed via chargeback. Not all banks are needed to support settlement advice. If issuing bank adopting single message transaction mode supports pre-authorization transactions, it shall support settlement advice transaction Normal Transaction Flow Acquirer sends dual-message clearing files to CUPS, and CUPS will convert the files into settlement advices and send them to the single-message issuer. Issuer sends response to CUPS. 1 CUPS Dual-message clearing file sent to CUPS by acquirer 2-Fund settlement advice sent to issuer by CUPS 3-Response sent to CUPS by issuer Figure 12 Flow of the Settlement Advice Abnormal Transaction Flow When failures occur at issue side and CUPS cannot send the settlement advice to issuer, CUPS should put the advice in Store-and-forward queue for storing and forwarding. 1 CUPS 3 27

34 1-Dual-message clearing file sent to CUPS by acquirer 2-CUPS cannot send the settlement advice to issuer due to some reason 3-Settlement advice re-sent by CUPS 4-Response re-sent to CUPS by issuer Figure 13 Abnormal Flow of Settlement Advice 28

35 Acquirer Issuer Issuer Part I: Transaction Processing Refund (Online)/ MO/TO Refund (Online) It is the procedure that merchants refund the deducted fund to cardholder s original debit account due to commodities return or service cancellation, and it includes total and partial refund. The procedures of MO/TO refund (online) is the same as that of normal refund (online). Once issuer receives refund transaction (on-line), the transaction shall be approved unconditionally and it will be involved in reconciliation. Within overtime period, if after CUPS cutoff, the issuer receives refund transaction (on-line) sent by CUPS prior to cutoff, the issuer shall proceed it across settlement date within overtime period. The transaction is an advice transaction that needs to be switched via CUPS Normal Transaction Flow 1 2 CUPS Refund advice (0220) sent to CUPS by acquirer 2-Response (0230) sent to acquirer by CUPS 3-Advice (0220) sent to issuer by CUPS 4-Response (0230) sent to CUPS by issuer Figure 14 Flow of Refund Transaction (on-line) Abnormal Transaction Flow If the sender cannot send refund transaction (on-line) to the receiver, or it does not receive the receiver s response to the refund transaction (on-line), the sender shall put the refund transaction (on-line) in store-and-forward queue for storing and forwarding. 29

36 Receiver Sender Part I: Transaction Processing ËÍ ½ ½Ó ÊÕ ½ 1-Refund advice cannot be sent to the receiver by the sender due to failures. 2-After recovery of the sender, refund advice re-sent to the receiver by the sender. 3-Receiver s response to refund advice. Figure 15 Abnormal Flow of Refund Transaction (on-line) Special Note: participants may log onto CDRS to initiate manual refund, and please refer to Chapter 8 Explanation on Dispute Resolution for the processing flow Manual Transaction It is the transaction in which participants log on to CDRS and finds the original transaction through the Platform to initiate associated transaction aiming at original transaction Manual Pre-authorization Cancellation Transaction 0100/0110 As for pre-authorization that is successfully switched via CUPS, acquirer may cancel it manually on public services platform. After receiving manual cancellation request on public services platform, CUPS will send manual pre-authorization cancellation request message to issuer. If CUPS does not receive response after sending out the manual pre-authorization cancellation message, a notice of transaction failed will be prompted on the operation interface, and meanwhile CUPS will send a manual pre-authorization cancellationreversal advice to issuer. The transaction is involved in issuer s reconciliation instead of acquirer s reconciliation Normal Transaction Flow 30

37 Issuer Part I: Transaction Processing Issuer 1 Acquirer logs onto the CPU public services platform and initiates pre-authorization cancellation (manual) transaction 2 CPU public services platform informs CUPS of pre-authorization cancellation (manual) 3 CUPS will send pre-authorization cancellation (manual) request message to issuer immediately after receiving it 4 Issuer sends back pre-authorization cancellation (manual) response massage to CUPS Figure 16 Normal Flow of manual Pre-authorization Cancellation Abnormal Transaction Flow When the sender cannot send the manual pre-authorization cancellationrequest to the receiver, or does not receive manual pre-authorization cancellation response from the 31

38 Acquirer Issuer Part I: Transaction Processing receiver, it will initiate manual pre-authorization cancellationreversal. CDRS 1 Acquirer initiates pre-authorization cancellation (manual) transaction on the CDRS 2 PCDRSsends the pre-authorization cancellation (manual) request to CUPS 3 Pre-authorization cancellation (manual) request sent to issuer by CUPS is lost on the way due to failure, and it will cause CUPS timeout 4 Pre-authorization cancellation (manual) reversal advice sent to issuer by CUPS 5 Pre-authorization cancellation (manual) reversal response sent to CUPS by issuer Figure 17 Abnormal Flow of Manual Pre-Authorization Cancellation Manual Refund For settled purchase transactions, MO/TO Purchase, acquirer may initiate manual refund on the UnionPay public services platform to return the amount consumed by the cardholder. Manual refund transaction processing flow and features are as follows: Acquirer may initiate manual refund transaction after finding the original transaction through CDRS, or refund transaction information could be manually entered, and CUPS will directly settle the refund transaction. Manual refund supports full amount refund, partial amount refund and multiple times of refund. Manual refund could be cancelled on the UnionPay public services platform before end-of day of current day. After cancellation, original manual refund and manual 32

39 Acquirer A c q u i r e r Part I: Transaction Processing refund cancellation transactions will not be in the files distributed by CUPS. CUPS will not send any online message to participants. Manual refund is not involved in reconciliation. Whether acquirer adopts single message or dual message, manual refund transaction is recorded in the general audit trailer file and is included in the statistics of the Summary Report as well. General transaction processing flow for manual refund is as follows: CDRS Iss uer Acquirer logs onto the CUP public services platform to initiate manual refund CDRS informs CUPS of the manual refund advice At end of day, CUPS sends transaction details and dispute files to issuer Manual Pre-authorization Completion As for pre-authorization successfully switched via CUPS, acquirer may settle it by submitting manual pre-authorization completion on the public services platform. Manual Pre-authorization completion processing flow and features are as follows: Manual Pre-authorization completion could be cancelled manually on the public services platform before end-of-day of current day. After cancellation, original 33

40 Issuer Acquirer Part I: Transaction Processing manual pre-authorization completion and manual pre-authorization completion cancellation transactions will not be in the files distributed by CUPS. CUPS will not send any online message to participants. This transaction is not involved in reconciliation. Whether acquirer adopts single message or dual message, manual pre-authorization completion transaction is sent to participants through general transaction detail files and is included in the statistics of Summary Report as well. If issuer adopts dual message, then manual pre-authorization completion transaction is recorded in dual message settlement files and is included in the statistics of the Summary Report as well. If issuer adopts single message, then manual pre-authorization completion transaction is recorded in the transaction detail files and is included in the statistics of the Summary Report as well. General processing flow for manual pre-authorization completion is as follows: UnionPay Public Services Platform 1-Acquirer logs onto the UnionPay public services platform to initiate manual pre-authorization completion 2-CDRS informs CUPS of the pre-authorization completion (manual) 3-After cutoff, CUPS sends general transaction detail files to issuer, including pre-authorization completion 34

41 Issuer Acquirer Part I: Transaction Processing Figure 19 General Processing Flow for Manual Pre-Authorization Completion Manual Remittance Transaction If the remittance has been kept by Acquirer while the transaction is not settled by CUPS, Acquirer should log onto the UnionPay dispute resolution system to find Remittance Verification Transaction and initiate manual remittance transaction Manual Remittance processing flow and features are as follows: Manual Remittance Transaction can be manually cancelled in dispute resolution system before cutoff. After cancellation, original Manual Remittance and original Manual Remittance Transaction Cancellation would not appear in files delivered by CUPS. CUPS would not send any online Advice Message to Institutions. This Transaction would not participate in the online reconciliation. Manual Remittance Transaction is sent to Institutions by general Audit Trailer File which is also included in Summary Report. Manual Remittance Transaction Processing Flow is as follows: UnionPay Dispute Resolution Platform 1-Acquirer logs onto the CDRS to initiate manual Remittance 2 - UnionPay Dispute Resolution Platform informs CUPS of the manual Remittance 3-After cutoff, CUPS sends general transaction detail files to participants, including manual Remittance 35

42 Figure 20 General Processing Flow for Manual Remittance Manual MO/TO Pre-authorization Cancellation The procedure of manual MO/TO Pre-authorization Cancellation is the same as Manual Pre-authorization Cancellation0100/0110 specified in Section Manual MO/TO Pre-authorization Completion The transaction procedure of manual MO/TO Pre-authorization Completion is the same as the Manual Pre-authorization Completion specified in Section Cross-border Single Message Transaction verified via CUPSecure Cross-border single message transactions verified via CUPSecure include following transactions: Balance Inquiry, Purchase, Pre-authorization, Pre-authorization Completion (request),purchase Cancellation, Pre-authorization Cancellation, Pre-authorization Completion (request)cancellation, Refund(on-line),Purchase Reversal, Pre-authorization Reversal, Pre-authorization Completion (request) Reversal, Purchase Cancellation Reversal, Pre-authorization Cancellation Reversal, and Pre-authorization Completion (request) Cancellation Reversal. CUPSecure verification flow does processing within CUPSecure system and will not affect general processing flows of transactions among acquirers, CUPS and issuers. For example, the transaction flow of cross-border purchase transaction verified via CUPSecure is the same as that of cross-border purchase transaction among acquirers, CUPS and issuers. 5.2 Dual-message Transaction Processing Authorization Transaction It is the process in which acquirer initiates a request to the issuer for payment commitment, which is switched via CUPS, and issuer returns response according to the status of cardholder s account. When acquirer does not receive the authorization response message, acquirer could initiate an authorization reversal message. In case CUPS cannot forward the approved authorization response message to acquirer, it will initiate an authorization reversal message and send it to issuer. After the authorization request is approved, the whole transaction will be completed through file settlement mode. The authorization code and authorization amount, of each transaction should be indicated while submitting settlement files, and the authorization amount will participate in issuer s settlement. An approved authorization transaction is 36

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