What is BASE24?
BASE24 is an electronic retail payment switch used by banks, retailers and processors across the world. Operating on the HP NonStop server, the payment engine continues to provide organizations with a robust, high-performance, fault-tolerant solution for processing consumer payment transactions.
HOW TO IDENTIFY THE ISSUING TRANSACTIONS AND THE ACQUIRING TRANSACTIONS?
ISSUING TRANSACTIONS AND ACQUIRING TRANSACTION
ISSUING TRANSACTIONS- Our ATM Our Cardholder.
ONUS TRANSACTIONS AND REMOTE ON US TRANSACTIONS COMES UNDER
ISSUING TRANSACTIONS.
MOSTLY CAN BE CHECKED WITH THE REPSONDER AS '5'
ACQUIRING TRANSACTIONS - Our ATM other Bank Cardholder.
OFFUS TRANSACTIONS COMES UNDER ACQUIRING TRANSACTIONS.
MOSTLY CAN BE CHECKED WITH THE RESPONDER AS '7'
WHAT IS PBF AND WHY IS IT REFRESHED?
THE FILE GENERATED BY DATACENTRE IS NOT PBF IT IS JUST A FILE TO UPDATE THE REAL PBF ON THE TANDEM.
THE CHECK CLEARINGS,VARIOUS DEBITS AND CREDITS DONE BY THE BANK END OR ANY OTHER RESOURCES OTHER THEN ATM ARE RECORDED
IN A FILE WHICH IS GENERATED AND SEND FOR REFRESH TO UPDATE THE PBF ON TANDEM.TRANSACTION DONE FROM ATM
AUTOMATICATICALLY GETS UPDATED IN THE PBF.
PBF JUST SHOWS THE ACCOUNT BALANCE.
WHAT IS NTA LAG OR TRANCODE 54 IN OFFUS TRANSACTION FOR WITHDRAWAL?
THERE IS AN ACCOUNT FOR EVERY ATM IN THE FINACLE. SO WHEN THERE IS OFFUS TRANSACTION ON THE ATM THE ACCOUNT OF ATM IS ALSO DEBITED.
THE NTA LAG OR THE TRANCODE 54 IS JUST AN ACKNOWLEDGEMENT FROM THE ATM TO OUR BANK WHICH CAN BE USED FOR FURTHER
RECONCILIATION.
WHAT DOES EACH RESPONDER MEAN AND HOW THEY ARE NUMBERED?
1.ATM
2.DEVICE HANDLER(DH)
3.AUTHORIZATION (BASE24,AUTH)
4.HISO(HOST INTERFACE PROCESS)
5.HOST
6.INTERCHANGE INTERCHANGE PROCESS
7.INTERCHANGE
WHAT ARE THE VARIOUS AUTHORIZATION METHODS?
1.ONLINE HOST PROCESSING: IT IS USED IN CONJUCTION WITH AUTHORIZATION LEVEL 1 THAT DOES NOT SUPPORT BASE24 AUTHORIZATION FILES.
CERTAIN PRESCREENING CHECKS PERFORMED USING IDF AND CAF.
2.NEGATIVE AUTHORIZATION WITH USAGE ACCUMULATION METHOD:USE THE (NEG) FILE AND (UAF) FILE.
TRANSACTIONS ARE CHECKED USING NEGATIVE IDENTIFICATION. IF A RECORD IS FOUND NEG, THE SPECIFIED ACTION IS TAKEN.OTHERWISE
THE ACCOUNT IS ASSUME GOOD AND UAF IS CHECKED AGAINST INSTITUTION WITHDRAWAL LIMITS IN CPF.
3.POSITIVE AUTHORIZATION METHOD:
4.POSITIVE BALANCE AUTHORIZATION METHOD:
5.NEGATIVE AUTHORIZATION WITHOUT USAGE ACCUMULATION:
BASE24 is an electronic retail payment switch used by banks, retailers and processors across the world. Operating on the HP NonStop server, the payment engine continues to provide organizations with a robust, high-performance, fault-tolerant solution for processing consumer payment transactions.
HOW TO IDENTIFY THE ISSUING TRANSACTIONS AND THE ACQUIRING TRANSACTIONS?
ISSUING TRANSACTIONS AND ACQUIRING TRANSACTION
ISSUING TRANSACTIONS- Our ATM Our Cardholder.
ONUS TRANSACTIONS AND REMOTE ON US TRANSACTIONS COMES UNDER
ISSUING TRANSACTIONS.
MOSTLY CAN BE CHECKED WITH THE REPSONDER AS '5'
ACQUIRING TRANSACTIONS - Our ATM other Bank Cardholder.
OFFUS TRANSACTIONS COMES UNDER ACQUIRING TRANSACTIONS.
MOSTLY CAN BE CHECKED WITH THE RESPONDER AS '7'
WHAT IS PBF AND WHY IS IT REFRESHED?
THE FILE GENERATED BY DATACENTRE IS NOT PBF IT IS JUST A FILE TO UPDATE THE REAL PBF ON THE TANDEM.
THE CHECK CLEARINGS,VARIOUS DEBITS AND CREDITS DONE BY THE BANK END OR ANY OTHER RESOURCES OTHER THEN ATM ARE RECORDED
IN A FILE WHICH IS GENERATED AND SEND FOR REFRESH TO UPDATE THE PBF ON TANDEM.TRANSACTION DONE FROM ATM
AUTOMATICATICALLY GETS UPDATED IN THE PBF.
PBF JUST SHOWS THE ACCOUNT BALANCE.
WHAT IS NTA LAG OR TRANCODE 54 IN OFFUS TRANSACTION FOR WITHDRAWAL?
THERE IS AN ACCOUNT FOR EVERY ATM IN THE FINACLE. SO WHEN THERE IS OFFUS TRANSACTION ON THE ATM THE ACCOUNT OF ATM IS ALSO DEBITED.
THE NTA LAG OR THE TRANCODE 54 IS JUST AN ACKNOWLEDGEMENT FROM THE ATM TO OUR BANK WHICH CAN BE USED FOR FURTHER
RECONCILIATION.
WHAT DOES EACH RESPONDER MEAN AND HOW THEY ARE NUMBERED?
1.ATM
2.DEVICE HANDLER(DH)
3.AUTHORIZATION (BASE24,AUTH)
4.HISO(HOST INTERFACE PROCESS)
5.HOST
6.INTERCHANGE INTERCHANGE PROCESS
7.INTERCHANGE
WHAT ARE THE VARIOUS AUTHORIZATION METHODS?
1.ONLINE HOST PROCESSING: IT IS USED IN CONJUCTION WITH AUTHORIZATION LEVEL 1 THAT DOES NOT SUPPORT BASE24 AUTHORIZATION FILES.
CERTAIN PRESCREENING CHECKS PERFORMED USING IDF AND CAF.
2.NEGATIVE AUTHORIZATION WITH USAGE ACCUMULATION METHOD:USE THE (NEG) FILE AND (UAF) FILE.
TRANSACTIONS ARE CHECKED USING NEGATIVE IDENTIFICATION. IF A RECORD IS FOUND NEG, THE SPECIFIED ACTION IS TAKEN.OTHERWISE
THE ACCOUNT IS ASSUME GOOD AND UAF IS CHECKED AGAINST INSTITUTION WITHDRAWAL LIMITS IN CPF.
3.POSITIVE AUTHORIZATION METHOD:
4.POSITIVE BALANCE AUTHORIZATION METHOD:
5.NEGATIVE AUTHORIZATION WITHOUT USAGE ACCUMULATION:
HOW IS TRANSACTION VALIDATED OR TRANSACTION PRESCREENING IS DONE?
1. CARD STATUS - INSTITUTIONS INDICATE WHETHER THEY WANT BASE24-ATM TO PRESCREEN THE CARD STATUS IN THE CARD STATUS FIELD ON IDF SCREEN 2.
IF INSTITUTION IS USING NEGATIVE AUTHORIZATION WITH USAGE ACCUMULATION METHOD, IT CHECKS FOR REASON ON FILE FIELD ON NEGATIVE CARD FILE(NEG) SCREEN 1 TO DETERMINE THE CARD STATUS.
2. EXPIRATION DATE - THE EXP DATE FIELD ON IDF SCREEN 2, INDICATES WHETHER BASE24-ATM PRODUCT SHOULD PRESCREEN THE CARD EXPIRATION DATE.
IF THE EXP DATE FIELD INDICATES THAT THE EXPIRATION DATE SHOULD BE CHECKED DURING PRESCREENING, THE AUTHORISATION PROCESS THEN USES VALUES SET IN THE CPF TO DETERMINE THE IF THE EXPIRATION SHOULD BE CHECKED FOR THIS CARD PREFIX.
3. PIN CHECK - PIN FIELD OF IDF SCREEN 2 AND THE CHECK IF HOST ONLINE PIN FIELD OF CPF SCREEN 2.
4. WITHDRAWAL LIMITS - INSTITUTIONS CAN CONFIGURE THIS PRESCREENING OPTION IN THE LIMITS FILED IN THE LIMITS FIELD ON SCREN 2 O THE IDF.
5. PIN VERFICATION & CARD VERIFICATION - THE AUTHORIZATION PROCESS PERFORMS PIN AND CARD VERIFICATION WHEN THE BASE24-ATM ISO HOST INTERFACE PROCESS SETS THE RQST.MULT-ACCT FIELD IN THE STM TO A VALUE OF 3 IN THE HOST ACQUIRED 0200 REQUEST MESSAGES.
6.POINT OF SERVICE ENTRY MODE VALIDATION - THE AUTHORIZATION PROCESS VALIDATES THE CARD INPUT CAPABILITIES SET ON CPF SCREEN 3 DURING AUTHORIZATION PROCESSING AND PRESCREENING PROCESSING.
A VALUE OF Y IN THE POS ENTRY CHECK FIELD ON CPF SCREEN 3 INDICATES THAT THE AUTHORIZATION PROCESS IS TO CHECK THE POINT OF SERVICE ENTRY MODE AGAINST THE CARD INPUT CAPABILITIES DURING PROCESSING.
7. OTHER PRESCREEN CHECKS-
-VERIFIES THE CARD IF THE CHECK IF HOST ONLINE CV FIELD ON CPF SCREEN 2 IS SET TO A VALUE Y FOR THE CARD PREFIX
-DETERMINES WHETHER THE TRANSACTION IS ALLOWED FOR THE INSTITUTION
- VERIFIES THE AMOUNT TYPES FOR TRANSFERS AND SPLIT DEPOSITS
CAN WE GET A RECORD FOR A SUCCESSFUL TRANSACTION WITH RESPONDER 4 AND RESPONDER 6?
NO, AS BOTH ARE PROCESSES AND JUST CAN ROUTE THE TRANSACTION SO IF THERE ANY PROBLEM IN FORWARDING THE TRANSACTION TO THE HOST OR
THE INTERCHANGE ONLY THEN WE WILL HAVE THE RECORD FOR THE DECLINED TRANSACTION.
WHEN THE TRANSACTION IS DENIED BY APCF WHAT IS RESP-CDE?
TRANSACTION IS DECLINED BY DH SO THE TRANSACTION IS NOT LOGGED IN TLF
HOW TO GENERATE PIN & EMBOSSA?
GOTO CAF
RETRIEVE THE CARD DETAILS
GOTO PAGE 20
CHANGE THE ISSUE STATUS FROM 12 TO 02.
THEN
GOTO CMF
FOR SINGLE CARD
ENTER THE CARD NUMBER AND THE PREFIX LENGTH
FOR MASS ISSUE
ENTER THE PREFIX IN MASS ISSUE DATA
PRESS F2 TO FORCE ISSUE
PRESS F3 TO MASS ISSUE
THEN CHECK THE JOBS #PIN
WHICH LNCF PARAM MONITORS THE TLF?
THE AUTHORIZATION PROCESS ALSO MONITORS TLF USING
LNCF PARAM
ATM-NOTIFY-INTERVAL
ATM-NOTIFY-PERCENTAGE
WHAT IF TLF IS FULL?
THE AUTH PROCESS WILL DENY ALL THE TRANSACTIONS REQUEST WITH RESPONSE CODE 054 DATABASE PROBLEM.
WHAT IS THE MESSAGE THAT AUTHORISATION PROCESS GENERATES WHEN THE HOST IS OFFLINE?
0220 FINANCIAL TRANSACTION ADVICE
WHICH PARAM IN LNCF MONITORS THE NUMBER OF CONSECUTIVE MAC ERRORS THAT OCCUR BEFORE DH SENDS SHUTDOWN MESSAGE TO ATM?
ATM-DH-CONS-MAC-ERR-LMT
HOW DO DH DETERMINE TO WHICH AUTH THE TRANSACTION NEEDS TO BE SEND?
LNCF IS THE FILE WHERE YOU CAN CHECK FOR THE DEFAULT ASSIGNS & PARAMS SOMETIMES CHECKED AS REQUIRED BY AUTH
WHAT ARE ZMKS?
ZMKS ARE THE KEYS TO GENERATE VARIOUS OTHER KEYS.
WHAT IS LMK?
LMK ARE THE KEYS REQUIRED TO INTIALIZE HSM.
WHAT IS DATA ENCRYPTION?
DATA ENCRYPTION AND DECRYPTION ARE THE MEANS BY WHICH SENSITIVE DATA SUCH AS A PIN CAN BE RENDERED UNINTELIIGIBLE
FOR STORAGE IN A DATABASE OR TRANSMISSION OVER COMMUNICATION LINES AND THEN SUBSEQUENTLY RETURNED TO ITS ORIGINAL
FORM WHEN NECESSARY
WHAT IS DES?
DES IS DATA ENCRYTION STANDARD ALGORITHM
WHAT ARE TWO TYPES OF DES?
SINGLE DES & TRIPLE DES
WHAT IS SINGLE DES ENCRYPTION?
SINGLE DES ENCRYPTION STARTS WITH THE DATA IN ITS ORIGINAL,OR CLEAR FORM, WITH A SECOND DATA ITEM CALLED A KEY.
THAT CLEAR DATA IS USED AS INPUT TO THE DES ALGORITHM WHICH YIELDS A NEW ENCRYTED VALUE.
WHAT ARE THE THREE COMPONENTS OF SINGLE DES ENCRYTION?
DES ALGORTITHM,CLEAR DATA TO BE ENCRYTED OR DECRYTED AND THE KEY.
WHAT IS KEY?
KEY IS A SEQUENCE OF NUMBERS USED AS ONE OF THE TWO VARIABLES INPUT INTO THE DES ALGORITHM.
WHAT IS DIFFERENCE BETWEEN FUP DUP,FUP COPY & FUP LOAD?
FUP DUP- FILE GETS DUPLICATED WITH THE NEW FILE NAME AND MODIFIED DATE & TIME.
FUP COPY- FILE GETS COPIED TO THE NEW LOCATION WITH THE SAME DETAILS AS THAT OF THE ORIGINAL FILE.
FUP LOAD- DATA GETS APPENDED TO THE EXISTING FILE.
FUP COMMANDS
FUP COPY
FUP LOAD
FUP DUP
FUP PURGE - DELETES THE FILE
FUP PURGEDATA - DELETES THE CONTENT OF THE FILE
FUP SECURE - CHANGES THE SECURITY ATTRIBUTES OF THE FILE(RWEP)
O- OWNER
G- GROUP
A- ANY LOCAL USER
U - MEMBER OF USERS CLASS
C- MEMBER OF OWNERS COMMUNITY
N- ANY LOCAL OR REMOTE USER
? - NO CHANGE
FUP GIVE - CHANGES THE OWNER OF THE FILE
FUP RENAME - RENAMES THE FILE
FUP LISTOPENS - LIST ALL PROCESSES THAT CURRENTLY HAVE ONE OR MORE DESIGNATED FILES OPEN.
FUP LISTLOCKS- DISPLAYS INFORMATION ON ALL LOCKS (GRANTED OR WAITING) FOR A SPECIFIED FILE SET.
WHAT IS NDC/DDC MESSAGE?
NDC IS NCR DIRECT CONNECT MESSAGE
DDC IS DIEBOLD DIRECT CONNECT MESSAGE
WHAT DOES THE NDC/DDC MESSAGE INCLUDES?
REQUEST:(11)
LOGICAL UNIT NUMBER(LUNO)
TRACK 2
OPERATION CODE
AMOUNT
PIN BLOCK
LAST TRANSACTION STATUS
WHAT ARE THE COMMANDS TO ENABLE AUDIT OR TRACE?
FIRST TO ENABLE TRACE OR AUDIT JUST CHECK THE PATH OF THE AUDIT FILE.
THERE ARE GENERALLY 3 AUDIT FILES AS
A
B
C
TO SWAP THE LOG WE NEED TO ENTER THE BELOW COMMAND
CONTROL NODE <NODE NAME>,SWA
TO ENABLE TRACE OR AUDIT
ALTER NODE <NODE NAME>,IAU ON
ALTER NODE <NODE NAME>,OAU ON
ALTER PROCESS <PROCESS NAME>,IAU ON
ALTER PROCESS <PROCESS NAME>,OAU ON
ALTER STATION <STATION NAME>, IAU ON
ALTER STATION <STATION NAME>,OAU ON
HOW TO CHECK THE AUDIT OR TO EXPLODE THE AUDIT OR TRACE FILE?
EXPLODE <FILE NAME> (A,B OR C) OR
YOU CAN COPY THE FILES (A,B OR C) TO OTHER FILES AND RENAME IT AND THEN EXPLODE.
YOU CAN USE BELOW OPTIONS IN THE COMMAND
-REAL
-TO
-FROM
-SEA
-SEARCH
ATM TRANSACTION FLOW
1. The ATM sends a native mode message to DH process.
2. The DH process then reformats the native mode message in 0200 request message, sets an authorization timer, and sends the 0200 request message to the Authorization process.
3. The Authorization Process then checks the CARD PREFIX FILE(CPF) to locate INSTITUTION DEFINITION FILE(IDF) record for the institution that issued the card. It also checks the CARD Prefix belongs to our bank. if CPF does not belong to our bank then it routes the transaction through SPROUTE to Interchange Interface process and then to Interchanges and from interchanges to the other bank switch and there it performs the pre checks.
For our bank cardholders, the IDF record identifies how the transaction request is to be processed using the Authorization level and the Authorization method. The Authorization process then does the pre-checks in CAF for Account Holder information, PBF for Account information, the Autorization process then sends the 0200 request message to the HOST interface process.
4. The HOST interface process reformats the internal message to external message, sets on outbound timer and sends the 0200 request message to host.
5. The HOST approves the request and returns a 0210 response message to HOST interface process
6. The HOST interface process reformats the external message to internal message, deletes it outbound request timer, and sends the 0210 response message to the Authorization process.
7. The Authorization process then logs the transaction to the TLF and sends the 0201 response message to DH process.
8. The DH process deletes its authorization timer and reformats the 0210 response message into native mode response and sends it to the ATM.
9 The ATM then sends a completion message to DH process to indicate the transaction is completed as authorized.
HOW TO CHECK THE PATH FOR THE FILES?
WE CAN CHECK IT BY GOING TO LNCF
WHAT IS SAF? WHAT IS THE MESSAGE TYPE FOR SAF?
WHEN THE HOST IS OFFLINE, BASE24 AUTHORIZES THE TRANSACTION TILL THE CONNECTION TO THE HOST IS ESTABLISHED TILL THEN BASE24 WILL STORE THE DATA IN SAF FILE
MESSAGE TYPE FOR SAF -9220
WHILE THE TRANSACTIONS ARE GETTING APPROVED BY SAF THE TRANSACTIONS RESPONDER WILL BE '3'.
LIST THE FILES WHICH ARE USED ON BASE24?
ATD, PTD, TLF, PTLF, CAF, PBF, CPF, IDF, LNCF, ICFE, APCF, HCF, ILF, EMF
RESPONSE-CODES
-REAL
-TO
-FROM
-SEA
-SEARCH
ATM TRANSACTION FLOW
1. The ATM sends a native mode message to DH process.
2. The DH process then reformats the native mode message in 0200 request message, sets an authorization timer, and sends the 0200 request message to the Authorization process.
3. The Authorization Process then checks the CARD PREFIX FILE(CPF) to locate INSTITUTION DEFINITION FILE(IDF) record for the institution that issued the card. It also checks the CARD Prefix belongs to our bank. if CPF does not belong to our bank then it routes the transaction through SPROUTE to Interchange Interface process and then to Interchanges and from interchanges to the other bank switch and there it performs the pre checks.
For our bank cardholders, the IDF record identifies how the transaction request is to be processed using the Authorization level and the Authorization method. The Authorization process then does the pre-checks in CAF for Account Holder information, PBF for Account information, the Autorization process then sends the 0200 request message to the HOST interface process.
4. The HOST interface process reformats the internal message to external message, sets on outbound timer and sends the 0200 request message to host.
5. The HOST approves the request and returns a 0210 response message to HOST interface process
6. The HOST interface process reformats the external message to internal message, deletes it outbound request timer, and sends the 0210 response message to the Authorization process.
7. The Authorization process then logs the transaction to the TLF and sends the 0201 response message to DH process.
8. The DH process deletes its authorization timer and reformats the 0210 response message into native mode response and sends it to the ATM.
9 The ATM then sends a completion message to DH process to indicate the transaction is completed as authorized.
HOW TO CHECK THE PATH FOR THE FILES?
WE CAN CHECK IT BY GOING TO LNCF
WHAT IS SAF? WHAT IS THE MESSAGE TYPE FOR SAF?
WHEN THE HOST IS OFFLINE, BASE24 AUTHORIZES THE TRANSACTION TILL THE CONNECTION TO THE HOST IS ESTABLISHED TILL THEN BASE24 WILL STORE THE DATA IN SAF FILE
MESSAGE TYPE FOR SAF -9220
WHILE THE TRANSACTIONS ARE GETTING APPROVED BY SAF THE TRANSACTIONS RESPONDER WILL BE '3'.
LIST THE FILES WHICH ARE USED ON BASE24?
ATD, PTD, TLF, PTLF, CAF, PBF, CPF, IDF, LNCF, ICFE, APCF, HCF, ILF, EMF
RESPONSE-CODES
00 APPROVED WITH BALANCES
01 APPROVED—NO BALANCES FOR DISPLAY
50 UNAUTHORISED USAGE
51 EXPIRED CARD
52 INVALID CARD
53 INVALID PIN
54 DATABASE PROBLEM
55 INELIGIBLE TRANSACTION
56 INELIGIBLE ACCOUNT
57 TRANSACTION NOT SUPPORTED
58 INSUFFICIENT FUNDS NO AMOUNT 3
59 INSUFFICIENT FUNDS WITH AMOUNT 3
60 USES LIMIT EXCEEDED
61 WITHDRAWAL LIMIT WOULD BE EXCEEDED
62 PIN TRIES EXCEEDED
63 WITHDRAWAL LIMIT ALREADY REACHED
64 INVALID CREDIT CARD CASH ADVANCE AMOUNT
65 NO STATEMENT INFORMATION FOR THE ACCOUNT
66 STATEMENT INFORMATION NOT AVAILABLE
67 INVALID CASH BACK AMOUNT
68 EXTERNAL DECLINE
69 NO SHARING BETWEEN THE CARD ISSUER AND TERMINAL OWNER
70 SYSTEM ERROR
71 CONTACT CARD ISSUER
72 DESTINATION NOT AVAILABLE
73 ROUTING LOOK UP PROBLEM
74 MESSAGE EDIT ERROR
80 SIGNATURE CHECK FAILED
81 SECURITY MODULE PARAMETER ERROR
82 SECURITY MODULE FAILURE
83 KEYI RECORD NOT FOUND
84 ATC CHECK FAILURE
85 CVR DECLINE'
86 TVR DECLINE
87 REQUEST CRYPTOGRAM FAILURE
88 FALLBACK DECLINE
90 APPROVED TRANSACTION—INSIDE WINDOW
91 APPROVED TRANSACTION—OUTSIDE WINDOW
92 APPROVED TRANSACTION—BALANCE ANYTIME
WHAT MESSAGE DO WE RECEIVE FROM THE TERMINAL?
NATIVE MODE MESSAGE THAT IS NDC/DDC MESSAGE.
HOW TO GIVE DOWNLOAD TO THE TERMINAL THROUGH NCPCOM or NCS?
DELIV P PROCESSNAME,/9500RESET ATMID/
DELIV P PROCESSNAME,/9500LOAD ATMID/
