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Information about this Replacement Replacement

The October 2006 MDS Settlement and Reports replaces your existing manual.

What is in the new version?

This new version reflects changes effective with MDS Release 06.3. Please refer to: •

“Summary of Changes” for a comprehensive list of changes reflected in this update.

•

“Using this Manual” for a complete list of the contents of this manual.

Billing

MasterCard will bill principal for this document. Please refer to the appropriate MasterCard Consolidated Billing System manual for billing-related information.

Questions?

If you have questions about this manual, please the Customer Operations Services team or your regional help desk. Please refer to “Using this Manual” for more information.

MasterCard is Listening…

Please take a moment to provide us with your about the material and usefulness of the MDS Settlement and Reports using the following e-mail address: [email protected] We continually strive to improve our publications. Your input will help us accomplish our goal of providing you with the information you need.

Summary of Changes MDS Settlement and Reports, October 2006 To locate these changes online—search on the date next to the revision bar. On the Adobe Reader

toolbar, click Search. In the Search pane, type Oct 2006 and then click Search. Change Summary Description of Change

Where to Look

Changed name

Changed references to “MasterCard International” with “MasterCard Worldwide”.

Entire manual

Added process flow

Added a description and flowchart describing the current settlement processing option using the Settlement Management (S.A.M.) system. Also modified the processing option using GCMS.

Chapter 1

Reorganized chapter

Reorganized chapter 2, Batch Data File, to show the 250-byte Chapter 2 batch data file first, followed by the older 5200 record file format. Also added record headings so that the records will now list in the table of contents.

Updated Batch Data File

Removed switch fees references from the FREC/NREC (Financial/Non-Financial records) and STRL (Settlement Trailer Record) in the Batch Data File. References to switch fees in the tables have been replaced with ‘Reserved for Future Use’. Noted in the MDS Release 06.3 Document.

Chapter 2 Chapter 3

Modified report SWCHD143

Removed the print line “Debit MasterCard Transactions” on report SWCHD143, Maestro POS Daily Processing Summary.

Chapter 3

Added field to the SWCHD363 and SWCHD412 reports

Modified the following report samples to display the new BIN Number field ing Multiple Currency Settlement.:

Chapter 3

Obsolete report

Added a note stating that the SWCHD57 and SWCHD108, Chapter 3 Transaction Audit reports are obsolete. should reference the Batch Data File for the information currently provided on these two reports.

•

SWCHD363, Daily Control report

•

SWCHD412, Daily Interchange report

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MDS Settlement and Reports October 2006

Copyright The information contained in this manual is proprietary and confidential to MasterCard International Incorporated or one of its d entities (collectively “MasterCard”) and its customer financial institutions. This material may not be duplicated, published, or disclosed, in whole or in part, without the prior written permission of MasterCard. Trademarks Trademark notices and symbols used in this manual reflect the registration status of MasterCard trademarks in the United States. Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product, program, or service names outside the United States. All third-party product and service names are trademarks or ed trademarks of their respective owners. Media This document is available: •

On MasterCard OnLine®

•

On the MasterCard Electronic Library (CD-ROM)

•

On the MDS Suite (CD-ROM)

•

Translated into Spanish

•

Translated into Portuguese

MasterCard Worldwide 2200 MasterCard Boulevard O’Fallon MO 63368-7263 USA 1-636-722-6100 www.mastercard.com

©2006 MasterCard MDS Settlement and Reports • October 2006

Publication Code: CN

Table of Contents

Using this Manual Purpose................................................................................................................... 1 Audience................................................................................................................. 1 Overview ................................................................................................................ 1 Excerpted Text ....................................................................................................... 2 Language Use ......................................................................................................... 2 Times Expressed..................................................................................................... 2 Revisions ................................................................................................................. 3 Related Information................................................................................................ 3 ISO Specifications................................................................................................... 4 ................................................................................................................... 5 Member Relations Representative ................................................................... 6 Regional Representative................................................................................... 6

Chapter 1

Settlement and Reconciliation Overview .............................................................................................................1-1 Settlement ............................................................................................................1-1 Processors Connected to the MDS through the Banknet Telecommunications Network......................................................................1-1 Processors Connected Directly to the MDS .................................................1-1 Reconciliation ......................................................................................................1-2 MDS Settlement Process......................................................................................1-2 MDS End of Day Settlement ...............................................................................1-4 Transaction Settlement Amounts ........................................................................1-4 Settling Financial Transactions .....................................................................1-4 Settling Non-financial Transactions ..............................................................1-5 Automated Clearing House (ACH) and Fedwire Settlement Information ..........................................................................................................1-5 ACH Settlement Information ..........................................................1-5 Fedwire Settlement Information ....................................................1-6

©2006 MasterCard MDS Settlement and Reports • October 2006

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Table of Contents

GCMS Routing Process........................................................................................1-7 MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)................................1-7 Settlement Position Record Summaries ........................................................1-8 Daily Control Report .....................................................................................1-9 MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M) ................................1-9 S.A.M Settlement Processing.........................................................................1-9 Daily Control Report ...................................................................................1-10 CIS ISO 8583 (1987) 01xx Processor Settlement..............................................1-11 Settlement Total Definitions..............................................................................1-12

Chapter 2

Batch File Specifications Overview .............................................................................................................2-1 MDS Batch Files ..................................................................................................2-1 MDS Report Transmission File .....................................................................2-1 MDS Transaction Detail File .........................................................................2-1 General Procedures for Batch Files ....................................................................2-2 MDS Batch File Transmission .............................................................................2-2 Data Transmissions .......................................................................................2-2 Banknet Network MIP Batch File Transmission ................................................2-3 Dial-Up Data Communication Hardware ...........................................................2-4 Dial-Up Data Communication Software .............................................................2-4 Batch File Retransmission ...................................................................................2-5 Leased Line Processors .................................................................................2-5 Virtual Private Network (VPN) or Banknet Connected Processors.............2-5 Batch Data Format/250-byte Record Size...........................................................2-6 Batch Transaction Detail File........................................................................2-6 Batch Record Formats.................................................................................2-12 Previous Batch Data File...................................................................................2-41 MDS Record Formats ..................................................................................2-41 File Structure ...............................................................................................2-42 File Options.................................................................................................2-43 File Update Record—Optional (FIT File)...................................................2-44

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Table of Contents

Sequence of Transmission File ...................................................................2-45 MDS Codes ..................................................................................................2-48 Batch Message Formats...............................................................................2-53 Batch FIT Data Formats/80-byte Record Size ..................................................2-74

Chapter 3

Reports Overview .............................................................................................................3-1 Report Transmission .....................................................................................3-1 Settlement Reports...............................................................................................3-4 Daily Control Report—SWCHD363 ..............................................................3-5 Daily Interchange Report—SWCHD412.....................................................3-29 Monthly Control Report—SWCHM363 .......................................................3-47 Monthly Interchange Report—SWCHM412................................................3-48 Debit MasterCard Inbound/Outbound Fee Report—SWCHD586-A .........3-49 Detail Activity Reports.......................................................................................3-55 Captured Card Report—SWCHD51–Removed...........................................3-57 Exception Audit Report—SWCHD53..........................................................3-58 Detailed Suspect Items Report—SWCHD55...............................................3-67 Transaction Audit Reports—SWCHD57 and SWCHD108..........................3-74 Retrieval Request/Fulfillment Report—SWCHD118...................................3-83 File Updates—SWCHD141-1........................................................3-89 Management File Updates—SWCHD141-2..................................3-93 Recurring Payment Cancellation Service—SWCHD141-3..........................3-97 Maestro® POS Transaction Audit Report—SWCHD144 .......................... 3-100 Negative File Updates—SWCHD147-1 ..................................................... 3-105 VIP File Updates—SWCHD147-2 ............................................................. 3-108 Statistical Reports............................................................................................. 3-112 Financial Institution Table Report (FIT)—SWCHD15-X .......................... 3-114 Institution Definition File (IDF)—SWCHD35........................................... 3-117 Daily Processing Summary Report—SWCHD61 ...................................... 3-119 Monthly Availability Report—SWCHD73 ................................................. 3-125 Daily Cardholder Performance Report—SWCHD127-1 ........................... 3-129 Daily Cardholder Performance Variance Report—SWCHD127-2............ 3-132 Maestro POS Daily Processing Summary—SWCHD143 .......................... 3-134 Daily Processor Performance Report—SWCHD320-1 ............................. 3-140

©2006 MasterCard MDS Settlement and Reports • October 2006

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Table of Contents

Processor Peak Performance Report—SWCHD321-1 .............................. 3-144 Processor Daily Summary Performance Report—SWCHD321-2 ............. 3-148 Transaction Interchange Month-to-Date—SWCHM03 ............................. 3-151 Month-to-Date Processing Summary Report—SWCHM06....................... 3-155 Month-to-Date Denial Summary Report—SWCHM07 ............................. 3-161 ISIS Reports...................................................................................................... 3-164 Stand-In Reports .............................................................................................. 3-166 Related Reports ......................................................................................... 3-166 Stand-In Transaction Audit Report—SWCHD149 .................................... 3-168 Processor Availability Reports......................................................................... 3-172 Daily Processor Up Time Report (Settlement Date)—MS1100BB........... 3-174 Daily Processor Up Time Report (Calendar Date)—MS1100DD............. 3-177 Monthly Processor Up Time Report —MS1101AA .................................. 3-179 Month-to-Date Report—MS1101BB.......................................................... 3-181

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Using this Manual This chapter contains information that helps you understand and use this document.

Purpose...................................................................................................................1 Audience.................................................................................................................1 Overview ................................................................................................................1 Excerpted Text .......................................................................................................2 Language Use .........................................................................................................2 Times Expressed.....................................................................................................2 Revisions .................................................................................................................3 Related Information................................................................................................3 ISO Specifications...................................................................................................4 ...................................................................................................................5 Member Relations Representative ...................................................................6 Regional Representative...................................................................................6

©2006 MasterCard MDS Settlement and Reports • October 2006

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Using this Manual Purpose

Purpose The MasterCard MDS Settlement and Reports manual is one of the four manuals comprising the MasterCard® Debit Switch Suite. The MasterCard® Debit Switch Suite consists of: •

MDS Online Specifications

•

MDS Programs and Services

•

MDS Settlement and Reports

•

NICS s’ Guide

The MDS Settlement and Reports manual serves as one of the primary technical references for all debit programs and services ed by MasterCard.

Audience MasterCard provides this manual for and their authorized agents. Specifically, the following personnel should find this manual useful: •

MasterCard directly connected to the MasterCard® Debit Switch

•

Third party processors directly connected to the MasterCard® Debit Switch

Overview The following table provides an overview of this manual: Chapter

Description

Table of Contents

A list of the manual’s chapters and subsections. Each entry references a chapter and page number.

Using this Manual

A description of the manual’s purpose and its contents.

1

Settlement and Reconciliation

Illustrates and describes the settlement and reconciliation processes for debit MasterCard®, Cirrus®, and Maestro® transactions.

2

Batch File Specifications

Defines options and formats for receiving batch data files to assist in settlement, reconciliation, and reporting at the processor or institution level.

3

Reports

Provides detailed description and examples of reports produced by the MasterCard® Debit Switch.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Using this Manual Excerpted Text

Excerpted Text At times, this document may include text excerpted from another document. A note before the repeated text always identifies the source document. In such cases, we included the repeated text solely for the reader’s convenience. The original text in the source document always takes legal precedence.

Language Use The spelling of English words in this manual follows the convention used for U.S. English as defined in Merriam-Webster’s Collegiate Dictionary. MasterCard is incorporated in the United States and publishes in the United States. Therefore, this publication uses U.S. English spelling and grammar rules. An exception to the above spelling rule concerns the spelling of proper nouns. In this case, we use the local English spelling.

Times Expressed MasterCard is a global company with locations in many time zones. The MasterCard operations and business centers are in the United States. The operations center is in St. Louis, Missouri, and the business center is in Purchase, New York. For operational purposes, MasterCard refers to time frames in this manual as either “St. Louis time” or “New York time.” Coordinated Universal Time (UTC) is the basis for measuring time throughout the world. You can use the following table to convert any time used in this manual into the appropriate time in another zone:

Standard time

St. Louis, Missouri USA

Purchase, New York USA

Central Time

Eastern Time

09:00

10:00

15:00

09:00

10:00

14:00

UTC

(last Sunday in October to the first Sunday in April a) Daylight saving time

(first Sunday in April to last Sunday in October) a

2

For Central European Time, last Sunday in October to last Sunday in March.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Using this Manual Revisions

Revisions MasterCard periodically will issue revisions to this document as we implement enhancements and changes, or as corrections are required. With each revision, we include a “Summary of Changes” describing how the text changed. Revision markers (vertical lines in the right margin) indicate where the text changed. The month and year of the revision appear at the right of each revision marker. Occasionally, we may publish revisions or additions to this document in a Global Debit Operations Bulletin or other bulletin. Revisions announced in another publication, such as a bulletin, are effective as of the date indicated in that publication, regardless of when the changes are published in this manual.

Related Information The following documents and resources provide information related to the subjects discussed in this manual. For descriptions of these documents, please refer to the List of Manuals in the Member Publications product on MasterCard OnLine®. 2

• • • • • • • • • • • •

Chargeback Guide Cirrus® Worldwide Operating Rules Data Communications Manual Maestro® Global Rules MasterCard Consolidated Billing System MasterCard Debit Financial Simulator MasterCard Member ICC Testing Procedures—Debit MDS Online Specifications MDS Programs and Services NICS s’ Guide Payment Card Industry PIN Security Requirements Settlement Manual

Debit that also process transactions using the Authorization (01xx) message format should reference the above manuals and the following manuals: • •

Authorization System Manual Management Manual

©2006 MasterCard MDS Settlement and Reports • October 2006

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Using this Manual ISO Specifications

that use the Cirrus® service and logo or that process online debit transactions should refer to the debit processing manuals recommended by the Customer Operations Services team. For definitions of key used in this document, please refer to the MasterCard Dictionary on the Member Publications home page (on MasterCard OnLine® and the MasterCard Electronic Library CD-ROM). To order MasterCard manuals, please use the Ordering Publications service on MasterCard OnLine®, or the Customer Operations Services team.

ISO Specifications

Oct 2006

The message format specifications used by MasterCard Worldwide are based on the International Organization for Standardization (ISO) 8583-1987. These message specifications also comply with the recommendations of the American National Standards Institute (ANSI) committees for electronic funds interchange, where their recommendations are appropriate and do not conflict with the international scope of MasterCard Worldwide business and operational requirements.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Using this Manual

Please address your questions to the Customer Operations Services team as follows: Phone:

1-800-999-0363 or 1-636-722-6176 1-636-722-6292 (Spanish language )

Fax:

1-636-722-7192

E-mail:

Canada, Caribbean, Latin America, South Asia/Middle East/Africa, and U.S.

[email protected]

Asia/Pacific: Australia and New Zealand

[email protected]

China, Hong Kong, and Taiwan

[email protected]

South East Asia

[email protected]

Japan/Guam

[email protected]

Korea

[email protected]

Europe

[email protected]

Spanish language

[email protected]

Vendor Relations, all regions

[email protected]

Address:

MasterCard Worldwide Customer Operations Services 2200 MasterCard Boulevard O’Fallon MO 63368-7263 USA

Telex:

434800 answerback: 434800 ITAC UI

©2006 MasterCard MDS Settlement and Reports • October 2006

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Using this Manual

Member Relations Representative Member Relations representatives assist U.S. with marketing inquiries. They interpret member requests and requirements, analyze them, and if approved, monitor their progress through the various MasterCard departments. This does not cover for day-to-day operational problems, which the Customer Operations Services team addresses. For the name of your U.S. Member Relations representative, your local Member Relations office: Atlanta Chicago Purchase San Francisco

1-678-459-9000 1-847-375-4000 1-914-249-2000 1-925-866-7700

Regional Representative The regional representatives work out of the regional offices. Their role is to serve as intermediaries between the and other departments in MasterCard. can inquire and receive responses in their own languages and during their offices’ hours of operation. For the name of the location of the regional office serving your area, call the Customer Operations Services team at: Phone:

1-800-999-0363 or 1-636-722-6176 1-636-722-6292 (Spanish language )

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©2006 MasterCard October 2006 • MDS Settlement and Reports

1

Settlement and Reconciliation This chapter provides a description of the settlement and reconciliation processes of MasterCard ATM, Debit MasterCard, Cirrus, and Maestro financial and non-financial transactions.

Overview .............................................................................................................1-1 Settlement ............................................................................................................1-1 Processors Connected to the MDS through the Banknet Telecommunications Network......................................................................1-1 Processors Connected Directly to the MDS .................................................1-1 Reconciliation ......................................................................................................1-2 MDS Settlement Process......................................................................................1-2 MDS End of Day Settlement ...............................................................................1-4 Transaction Settlement Amounts ........................................................................1-4 Settling Financial Transactions .....................................................................1-4 Settling Non-financial Transactions ..............................................................1-5 Automated Clearing House (ACH) and Fedwire Settlement Information ..........................................................................................................1-5 ACH Settlement Information ..........................................................1-5 Fedwire Settlement Information ....................................................1-6 GCMS Routing Process........................................................................................1-7 MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)................................1-7 Settlement Position Record Summaries ........................................................1-8 Daily Control Report .....................................................................................1-9 MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.) ...............................1-9 S.A.M Settlement Processing.........................................................................1-9 Daily Control Report ...................................................................................1-10 CIS ISO 8583 (1987) 01xx Processor Settlement..............................................1-11 Settlement Total Definitions..............................................................................1-12

©2006 MasterCard MDS Settlement and Reports • October 2006

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Settlement and Reconciliation Overview

Overview The MDS Settlement and Reports manual for the settlement and reconciliation process describes MasterCard ATM, Debit MasterCard®, Cirrus®, and Maestro® financial and non-financial transactions.

Settlement Acquirer and issuer processors are responsible for individual settlement with terminal owners and card issuers; the MDS settles only with each processor, unless the processor s the Member Level Settlement option. Refer to the MDS Programs and Services manual for additional information on member level settlement. Chapter 3 of this document describes MDS Settlement reports.

Oct 2006

Oct 2006

Processors Connected to the MDS through the Banknet Telecommunications Network Each S connected to the MDS through an online Customer Interface Specification (CIS) interface to the Banknet® telecommunications network receives Integrated Product Messages (IPM) clearing data reflecting settlement data in accordance with standard MasterCard procedures.

Oct 2006

Processors Connected Directly to the MDS Each S connected directly to the MDS must perform clearing and settlement determination processing in accordance with the procedures established by the MDS.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Settlement and Reconciliation Reconciliation

Reconciliation The MDS provides reconciliation data for processors through batch detail transmission files (raw data files) and various MDS transaction detail reports (pre-formatted bulk file reports). In this manual, Chapter 2 describes the file format specifications for the MDS batch detail transmissions and Chapter 3 describes the MDS reports.

Oct 2006

MasterCard encourages processors to develop an automated process to compare batch detail files (generated and transmitted by MDS) to the internal batch records (maintained by the processor). The automated compare process will highlight any balancing differences the member can research using the MDS reports. Each processor is responsible for a daily reconciliation of its internal batch totals to the settlement totals provided by MDS.

MDS Settlement Process For specific information about settlement options and processing, refer to the MasterCard Settlement Manual. The following options are available in the MDS Settlement process. •

Regional Settlement −

ACH Clearing Available to Maestro® and Cirrus® processors and connected to MDS who settle in U.S. dollars.

−

MasterCard’s Settlement Management (S.A.M.) Available to Maestro®, Cirrus®, and Debit MasterCard® processors and who wish to settle in U.S. dollars or one of the other settlement currencies ed by MasterCard.

•

1-2

Intracurrency Settlement −

Processors/ must participate in GCMS clearing

−

May receive IPM clearing Financial Detail/1240 message or IPM clearing Fee Collection/1740 message.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Settlement and Reconciliation MDS Settlement Process

Depending upon the online interface, the MDS can settle with each processor in one of the following ways. Table 1.1—Settlement /Clearing Options Settlement Process

Description

ACH Clearing

Maestro® and Cirrus® processors and connected to MDS settling in U.S. dollars.

Settlement Management system (S.A.M.) Fedwire

•

MDS will send daily settlement positions directly to S.A.M. for processors that use MDS ISO 8583 Financial Transaction/0200 messages through the Banknet network and participating in the MDS multiple currency option. Refer to the MDS Programs and Services manual for additional information on the MDS multiple currency settlement option.

•

MDS will send daily settlement positions using IPM formatted Miscellaneous Summary (1740) records to GCMS for processors that use MDS 8583 Financial Transaction/0200 messages through the Banknet network and not participating in the MDS multiple currency option. GCMS will the settlement positions to S.A.M. Refer to the MDS Programs and Services manual for additional information on the MDS multiple currency settlement option.

•

©2006 MasterCard MDS Settlement and Reports • October 2006

For processors using the CIS ISO 8583 Authorization Request/0100 messages through the Banknet network. Settlement will result from GCMS processing GCMS Financial Detail records (1240) and ing the settlement positions to S.A.M.

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Oct 2006

Settlement and Reconciliation MDS End of Day Settlement

MDS End of Day Settlement The MDS settles transactions received after the settlement day end on the next MDS business day.

Oct 2006

Table 1.2—MDS Settlement Day Ends Debit MasterCard®

07:00 New York time

Maestro®/Cirrus®

15:00 New York time

Settlement Service (Brazil intracurrency)

23:00 New York time

Oct 2006

Processors must reconcile with the MDS based upon the MDS end of day settlement date transmitted in the online transaction request message. It is the responsibility of the processor to maintain any necessary reconciliation files. Processors may find the settlement totals presented by the MDS differ from their calculated settlement totals. In these instances, the processor must accurately for any unreconciled items.

Transaction Settlement Amounts The transaction settlement amount is the amount of the transaction settled between processors. The MDS calculates this amount during offline batch processing.

Settling Financial Transactions The settlement amount calculation uses the following formula for financial transactions: Credit Acquiring Processor Interchange Settlement

(Financial Settlement +/- Reversal + Interchange fees) minus Debit Issuing Processor Interchange Settlement

(Financial Settlement +/- Reversal + Interchange fees) equals Net Settlement Amount

Note

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Refer to the SWCHD363 Daily Control Report for a detailed calculation of the net settlement amount.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Settlement and Reconciliation Automated Clearing House (ACH) and Fedwire Settlement Information

Settling Non-financial Transactions The settlement amount for non-financial transactions (balance inquiries, transfers and denials) are calculated using the following formula: Settlement Amount = transaction interchange fee amounts.

Note

For ATM transactions, the acquirer receives interchange fees and the issuer is charged interchange fees. In a POS environment, the issuer is credited interchange fees, and the acquirer pays interchange fees.

Automated Clearing House (ACH) and Fedwire Settlement Information The following sections provide information about Automated Clearing House (ACH) and Fedwire settlement s.

ACH Settlement Information Oct 2006

Automated Clearing House (ACH) payments system is an association of financial institutions that have networked together to exchange (clear and settle) electronic transactions. Processors electing to receive settlement through the ACH service must provide the following settlement information on the Processor Information Questionnaire (PIQ) to the MDS during the and implementation process:

Note

•

Name of the receiving financial institution

•

Federal Reserve route and transit number of the receiving financial institution

•

number to be used as the “settlement clearing”

Processors must select a settlement bank in the United States to establish an ACH .

©2006 MasterCard MDS Settlement and Reports • October 2006

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Settlement and Reconciliation Automated Clearing House (ACH) and Fedwire Settlement Information

Fedwire Settlement Information The Fedwire funds transfer system is owned and operated by the Federal Reserve System (the United States Central Bank). A financial institution that maintains an with a Federal Reserve Bank may become a Fedwire participant. Participants use Fedwire to instruct a reserve bank to debit funds from their and to credit the reserve of another participant.

Oct 2006

Debit MasterCard processors receive settlement through a Fedwire. These processors provide the following settlement information on the Net Settlement Agreement (NSA) to the MDS during the and implementation process:

Note

•

Name of the receiving financial institution

•

Federal Reserve routing and transit number of the receiving financial institution

•

number to be used as the “settlement clearing”

Processors must select a settlement bank in the United States that is a participant of the Central Bank. For details on completing an NSA form, refer to the MasterCard Settlement Manual.

Figure 1.1 shows the settlement process for processors settling through ACH or Fedwire. Figure 1.1—Settlement Routing Process Using ACH or Fedwire

MDS

1-6

ACH/Fedwire

ACH/Fedwire

ACH/Fedwire

CR/DR

CR/DR

CR/DR

Federal Reserve Bank

Settlement Institution

APS/IPS

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Settlement and Reconciliation GCMS Routing Process

GCMS Routing Process

Oct 2006

GCMS is a centralized clearing facility owned and operated by MasterCard for the daily processing and routing of worldwide financial transactions between MasterCard and its . To use GCMS, the processor must supply an ICA number. The member ID/ICA number is a unique six-digit identification number assigned by MasterCard to a processor or institution. Figure 1.2 shows the settlement information routing process for processors settling through GCMS. Figure 1.2—Settlement Position Routing Process Using GCMS

MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)

Oct 2006

Processors connected through the Banknet® telecommunications network and not participating in MDS multiple currency settlement processing will receive settlement information through the IPM 1740 Fee Collection record totals. Processors receive their net financial settlement totals and net interchange fee totals in individual GCMS records. GCMS records are contained in R111 bulk files. Note

Processors connected to the Banknet telecommunications network, and electing to receive IPM 1740 may use the Processor Information Questionnaire (PIQ) to for these records.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Settlement and Reconciliation MDS ISO 8583 (1987) 02xx Processor Settlement (GCMS)

The processor’s bulk file may contain up to five records summarizing the processor’s activity for the settlement day. Two for the processor’s acquiring activity and three for the processor’s issuing activity. The number of records depends on whether the processor is an issuer, an acquirer, or both. The MDS’ ICA is 2202 and is always the sending ICA. The MDS’ ICA generates the GCMS 1740 and transmits the settlement record to the processor’s receiving ICA. MasterCard collectively refers to these settlement records as the Daily Records and includes them in the bulk file. Each Daily Record contains the following identifying fields: •

Transaction Originator Institution ID Code (DE 94) = 2202

•

Message Reason Code (DE 25) = 7804

•

Processing Code (DE 3, subfield 1) = 19 to indicate a credit to the receiving member’s ICA

Oct 2006

Oct 2006

Or, •

Note

Processing Code (DE 3, subfield 1) = 29 to indicate a debit to the receiving member’s ICA

01xx interface issuers will see settlement records named Fees for Financial and Non-financial Transactions Settlement Fees. Intracurrency settlement will see settlement records for net of financial settlement amounts, NETAM (acquirer and issuer side), and interchange fees (acquirer and issuer side).

Oct 2006

Settlement Position Record Summaries Table 1.3 lists the settlement position record summaries. Table 1.3—Transaction Settlement Record Summaries

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Oct 2006

Summary Information Provided in Record

IPM Heading Data Record (DE 72)

Maestro/Cirrus Acquiring—Net Transaction Amount

NETAQ

Cirrus Acquiring—Interchange Fee

FEEAQ

Maestro/Cirrus Issuing—Net Transaction Amount

NETAM

Cirrus Issuing—Interchange Fee

FEES

©2006 MasterCard October 2006 • MDS Settlement and Reports

Settlement and Reconciliation MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.)

Note

The “NETAQ” and “NETAM” 1740 records in the R111 file integrate the Maestro financial transaction settlement with the Cirrus financial transaction settlement.

Daily Control Report Processors should reconcile to the MDS Daily Control Report (SWCHD363) contained in their T461 bulk file (for settlement amounts as an acquiring or issuing processor, or both). The settlement amounts on the report should match the amounts transmitted in the settlement records. Refer to the Reports chapter of this manual for field descriptions and sample report layouts for the SWCHD363 report.

MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.) Processors connected through the Banknet® telecommunications network using the MDS multiple currency settlement process receive settlement through the Settlement Management (S.A.M.) system.

S.A.M Settlement Processing Settlement Management (S.A.M.) system is a Windows®-based clientserver software application designed to streamline the process of moving funds. Funds are exchanged based on the net value of all cleared financial transactions for each settlement day. The net value may include the following: •

Transaction amounts processed through the clearing system(s)

•

Cash disbursement and ATM cash disbursement accommodation fees

The MDS multiple currency settlement process enables MasterCard to convert the transaction amounts received into the member’s selected settlement currency, and then send the converted amounts directly to the MasterCard Settlement Management (S.A.M) system, eliminating the need for GCMS records.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Settlement and Reconciliation MDS ISO 8583 (1987) 02xx Processor Settlement (S.A.M.)

Oct 2006

Figure 1.3 shows the data flow for processing directly with S.A.M. Figure 1.3—Settlement Process Using S.A.M.

T461 (Batch)

T462 (Report)

T461 (Batch)

Banknet Network

T462 (Report)

APS/IPS MIP

MDS

Note

Settlement

S.A.M.

This option is not available for intracurrency settlement activity.

Daily Control Report Processors should reconcile to the MDS Daily Control Report (SWCHD363) contained in their T461 bulk file (for settlement amounts as an acquiring or issuing processor, or both). The settlement amounts on the report should match the amounts on the settlement advisement. Refer to the Reports chapter of this manual for field descriptions and sample report layouts for the SWCHD363 report.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Settlement and Reconciliation CIS ISO 8583 (1987) 01xx Processor Settlement

CIS ISO 8583 (1987) 01xx Processor Settlement Processors using the CIS ISO 8583 Authorization Request/0100 message series for MasterCard/Cirrus ATM transaction activity receive settlement through IPM 1240 First Presentment records. These records are used to post transactions to cardholders’ s. Processors may request these records by using the Processor Information Questionnaire. The processor must supply an ICA number for each FIT/institution prefix. Figure 1.4 shows the data flow for processors settling through IPM detail.

Oct 2006

Figure 1.4—Settlement Process

Processors using 01xx messages receive settlement through IPM 1740 Fee Collection record totals. These records include the financial and non-financial transaction interchange fees for MasterCard ATM transactions.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Settlement and Reconciliation Settlement Total Definitions

Settlement Total Definitions Table 1.4 describes the settlement totals calculations. Table 1.4—Settlement Totals Calculations Term

Definition

Total debit amount

The sum of transaction completion amounts from debit financial transactions.

Total credit amount

The sum of transaction completion amounts from credit financial transactions.

Reversal debit amount

The sum of reversal amount debits from reversal transactions.

Reversal credit amount

The sum of reversal amount credits from reversal transactions.

Table 1.5 describes the interchange totals for the acquirer processing system calculations. Table 1.5—Interchange Totals for the Acquirer Processing System Calculations Term

Definition

Interchange amount-CR

The sum of settlement amounts from credit financial transactions and credit reversal transactions.

Interchange amount-DR

The sum of settlement amounts from debit financial transactions, debit reversal transactions, and inquiry transactions.

Table 1.6 describes the interchange totals for the issuer processing system calculations. Table 1.6—Interchange Totals for the Issuer Processing System Calculations

1-12

Term

Definition

Interchange amount-DR

Sum of settlement amounts from debit financial transactions, debit reversal transactions, and inquiry transactions.

Interchange amount-CR

The sum of settlement amounts from credit financial transactions and credit reversal transactions.

©2006 MasterCard October 2006 • MDS Settlement and Reports

2

Batch File Specifications This chapter describes the two different types of batch data files provided to the Customer Processing System (S).

Overview .............................................................................................................2-1 MDS Batch Files ..................................................................................................2-1 MDS Report Transmission File .....................................................................2-1 MDS Transaction Detail File .........................................................................2-1 General Procedures for Batch Files ....................................................................2-2 MDS Batch File Transmission .............................................................................2-2 Data Transmissions .......................................................................................2-2 Configuration Options ............................................................................2-3 Banknet Network MIP Batch File Transmission ................................................2-3 Dial-Up Data Communication Hardware ...........................................................2-4 Dial-Up Data Communication Software .............................................................2-4 Batch File Retransmission ...................................................................................2-5 Leased Line Processors .................................................................................2-5 Virtual Private Network (VPN) or Banknet Connected Processors.............2-5 Batch Data Format/250-byte Record Size...........................................................2-6 Batch Transaction Detail File........................................................................2-6 Batch File Structure.................................................................................2-7 Sequence of Transmission File...............................................................2-8 Batch Record Formats.................................................................................2-12 File Header Record (FHDR)—Required...............................................2-12 Settlement Header Record (SHDR)—Required....................................2-13 Financial (FREC)/Non-financial (NREC) Records—Required..............2-14 Financial/Non-financial Posting Addendum Record (FPST) —Optional.............................................................................................2-19 Financial/Non-financial Fee Addendum Record (FEER) —Optional.............................................................................................2-20 Financial/Non-financial Debit MasterCard Addendum Record (DBMC)—Optional ...............................................................................2-21

©2006 MasterCard MDS Settlement and Reports • October 2006

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Batch File Specifications

Financial/Non-financial Debit MasterCard Airline Ticket Addendum Record (AIRA)—Optional .................................................2-23 Financial/Non-financial Parcelas Addendum Record (PARC) —Optional.............................................................................................2-24 Financial/Non-financial Maestro CDC Addendum Record (MCDC)—Optional ...............................................................................2-25 Financial/Non-financial Maestro Post Dated Addendum Record (MPDT)—Optional ...................................................................2-26 Financial/Non-financial Maestro Installment Addendum Record (MIST)—Optional..................................................................................2-27 Financial/Non-financial Additional Data Addendum Record (ADDR)—Optional................................................................................2-29 Financial/Non-financial Exception Record (EREC)—Required ...........2-30 Financial/Non-financial Exception Record (EPST)—Optional............2-34 Settlement Trailer Record (STRL)—Required.......................................2-36 Interchange Compliance Issuer Detail Adjustment Record (INTC)—Required .................................................................................2-39 File Trailer Record (FTRL)—Required..................................................2-40 Previous Batch Data File...................................................................................2-41 MDS Record Formats ..................................................................................2-41 File Structure ...............................................................................................2-42 File Header Record—Required.............................................................2-42 Financial/Non-financial and Exception Item Record ..........................2-42 File Options.................................................................................................2-43 File Control Record—Required ............................................................2-44 Settlement Record—Required...............................................................2-44 File Update Record—Optional (FIT File)...................................................2-44 Full File Replacement ...........................................................................2-44 File Update Versions.............................................................................2-44 Sequence of Transmission File ...................................................................2-45 MDS Codes ..................................................................................................2-48 Response Codes....................................................................................2-48 Processing Codes ..................................................................................2-50 Completion Codes ................................................................................2-52 Completion Code Position Status...................................................2-52 Completion Code Values................................................................2-52 Batch Message Formats...............................................................................2-53 File Header Record ...............................................................................2-53 Financial/Non-financial (5220) Record ................................................2-54 Airline Ticket Number and Additional Itinerary Data .........................2-59

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications

Exception Transaction (5240) Record ..................................................2-60 File Control (5499) Record ...................................................................2-66 Settlement (5500) Record .....................................................................2-67 80-byte FIT File with Country Code (5300) Record ............................2-69 80-byte FIT File without Country Code (5300) Record.......................2-72 Batch FIT Data Formats/80-byte Record Size ..................................................2-74 FIT Header Record (FITH)—Required.................................................2-75 FIT Data Records (FITD)—Optional ....................................................2-75 FIT Trailer Record (FITT)—Required...................................................2-78

©2006 MasterCard MDS Settlement and Reports • October 2006

2-iii

Batch File Specifications Overview

Overview The MasterCard® Debit Switch (MDS) provides two different types of batch data files to the customer processing system (S) that participates in one or more electronic file transfer (EFT) programs offered by the MDS. The MDS provides this batch file data to assist S and individual EFT program with their internal Customer Service, Settlement, and Reconciliation operations.

MDS Batch Files The two types of batch files provided by the MDS are: •

MDS Report Transmission Files

•

MDS Transaction Detail Files

MDS Report Transmission File The MDS Report Transmission File is a preformatted print-output file of the daily and month-to-date MDS-generated reports. A single MDS Report Transmission File format is used to create the MDS reports for the processor processing through the Banknet telecommunications network (Chapter 3 of this manual details the actual MDS reports). The processor will receive: •

Production Bulk ID T461

•

MDS Member Test Bulk ID T467

MDS Transaction Detail File The MDS produces a daily file of all transaction activity for each S participating in an EFT program. These records, including summary “count and amount” totals and daily settlement records, are available to S for their use in settlement reconciliation processing. Processors that process through the Banknet telecommunications network will receive: •

Production Bulk ID T462

•

MDS Member Test Bulk ID T468

©2006 MasterCard MDS Settlement and Reports • October 2006

2-1

Batch File Specifications General Procedures for Batch Files

General Procedures for Batch Files MDS batch data files transmit no earlier than 10:00 p.m. U.S. Eastern Time (3:00 a.m. UT) seven days a week. The MDS transmits data using dial up lines from the MDS, leased lines, or the Banknet network bulk data transfer facility. To assist in data recovery, the MDS maintains “cycles” (for example, business days) of transaction detail and report data for each S in production. If a processor encounters problems, they can request a retransmission of data files (report and detail) for the specific cycle where the problem occurred.

MDS Batch File Transmission The MDS provides optional electronic transmission of transaction detail and report data files.

Data Transmissions The MDS s external complex-to-complex batch file data transmission with various MasterCard ed protocols. A proprietary data communication software product developed by MasterCard, MasterCard File Express, enables processors to and production and test files from the MDS to S, retrieve archived files, generate a file transmission report, and print the file transmission report to the S printer or preview it from the MasterCard File Express application. Following is a list of file transfer products used for data transmissions: File Transfer Products developed by MasterCard

•

MasterCard File Express Client

•

MasterCard File Express Scheduler (batch mode only)

File Transfer Products developed by Sterling Commerce

•

Connect: Direct (also known as NDM)

•

Connect: Enterprise (also known as SuperTRACs)

•

Connect: Gateway (Connect: Gateway add-on product for ASCII file transfers)

File Transfer Product developed by Computer Associates

•

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CA-XCOM (also known as XCOM 6.2)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Banknet Network MIP Batch File Transmission

Configuration Options 1. Connect: Direct-to-Connect: Direct (all leased line network connections) •

Mainframe-to-Mainframe VPN over T/IP (preferred option)

•

Mainframe-to-Mainframe SNA/SNI over VPN (next best option)

•

Mainframe-to-Mainframe SNA/SNI (Token-Ring, bisync)

•

Mainframe-to-Mainframe T/IP over Ethernet

2. Connect: Enterprise-to-Connect: Enterprise •

Leased Line (Mainframe-to-Mainframe SNA/SNI, bisync)

•

Dial Line (bisync)

3. Connect: Mailbox-to-Other 2780/3780 Emulators •

Leased Line (Mainframe-to-Mainframe SNA/SNI, bisync)

•

Dial Line (bisync)

4. Connect: Gateway-to-ASCII Servers or PC Workstations Leased Line or Dial (Mainframe-to-ASYNC server using the following ASCII protocols: Kermit, Zmodem, Ymodem, and Xmodem) 5. MFE-to-PC Workstations Dial Line, Internet, or VPN using MasterCard Online® Enterprise Edition (data exchanged using T protocol, data encrypted at 128-bit key encryption, data compressed using Run Length Encoding algorithm, s authenticated through SecurID token)

Banknet Network MIP Batch File Transmission Customer processing systems that use the Banknet network MIP Bulk Data Facility (T461/T462 files) for batch data file transmission must refer to the Data Communications Manual for all technical specifications. Refer to the “Using this Manual” chapter of this publication for information on how to obtain copies of the Data Communications Manual.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Batch File Specifications Dial-Up Data Communication Hardware

Dial-Up Data Communication Hardware MDS batch data file transmissions operate at nominal rates of 9.6 to 19.2 KBPS in the dial-up mode. The MDS bases the acceptability of a S data communication modem for data transfer on results of communication testing that the MDS conducts during S acceptance testing. Processors must complete all acceptance testing before production processing of batch file data. Any changes to a S facility’s modem equipment requires additional acceptance testing with the MDS.

Dial-Up Data Communication Software S facilities that want batch data file transmission using 3780/2780 communication must employ software subsystems that are fully compatible with the IBM 3780/2780 communication standard. The MDS requires that the processor test the 3780/2780 software used by a S for suitability and compatibility before production data file transmission. The MDS bases the acceptability of data communication software on results of communication testing that the MDS conducts during acceptance testing. If serious performance problems or errors occur after the processor initiates production processing, the MDS may require a S facility to perform additional acceptance testing of its data transmission software with the MDS.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch File Retransmission

Batch File Retransmission The following information applies to retransmission of data files.

Leased Line Processors After a data transmission failure, a processor can request the retransmission of the production file within 30 calendar days of the original transmission date. For acceptance testing, there is a five-day window for retransmission. Processors should MasterCard Worldwide Customer Operations Services to request a retransmission.

Oct 2006

Phone: 1-636-722-6405

Virtual Private Network (VPN) or Banknet Connected Processors After a data transmission failure, a processor can request the retransmission of the production file within 30 calendar days of the original transmission date. For acceptance testing, there is a 30-day window for retransmission. Processors in the U.S. should MasterCard Worldwide Customer Operations Services to request a retransmission. Phone: 1-636-722-6405

Processors in all other regions should their Regional Help Desk to request a retransmission.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Batch Data Format/250-byte Record Size This chapter provides detail record layouts for the 250-byte Batch Data File and the layout for the Financial Institution Table (FIT) 80-byte Data File. Processors using the 250-byte Batch Data File must receive the 80-byte FIT Data File. Processors may receive the 80-byte FIT Data File before completing the conversion to the 250-byte Batch Data File. The 250-byte format s financial, non-financial, and addendum records. Each record layout is displayed with the appropriate fields and corresponding attributes from the online transaction processing log file used to create the records. The values in the Comments and Values column are generated from the online messages, unless otherwise indicated, except interchange fees which are calculated in batch. Transaction records are sorted by settlement currency, PAN, and Switch Serial Number.

Note

The 250-byte Batch Data File records are provided to processors in the credit/debit position of the transactions as they are settled to either the acquirer or issuer. Debits to issuers are presented as credits to acquirers, and credits to issuers are presented as debits to acquirers. The 250-byte Batch Data File also provides a net settlement record in addition to the acquirer and issuer settlement records in the file. When the file contains both acquirer and issuer activity, the net settlement record represents the net of both these positions. This net settlement record provides information useful for reconciling and validating to MasterCard Debit Switch (MDS) reports.

Batch Transaction Detail File The 250-byte Batch Data File is available for each S participating in an EFT program. Processors that process through the Banknet telecommunications network will receive the Batch Data Files as:

2-6

•

Production Bulk ID T464

•

Member Test Bulk ID T470

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Batch File Structure Each record in the 250-byte Batch Data File format is identified by a Message Type Indicator (MTI) in the first four (4) positions of the record. The following MTI’s indicate standard records and are always provided in the Batch Data File when it contains records. Table 2.1—Valid Values for Message Type Indicators (MTI)—Standard Value

Message Type Indicators

FHDR

File Header Record

FREC

Financial Record

NREC

Non-financial Record

EREC

Exception Record

SHDR

Settlement Header Record

STRL

Settlement Trailer Record

INTC

Interchange Compliance Record

FTRL

File Trailer Record

FITH

FIT Header Record

FITD

FIT Data Record

FITT

FIT Trailer Record

The following addendum records are optional. These records are provided only if the processor has chosen to receive them. The values for the addendum indicators in positions 1–4 are as follows: Table 2.2—Valid Values for Message Type Indicators (MTI)—Optional Addendum Segments Value

Message Type Indicators

FPST

Financial/Non-financial Posting Addendum Record

EPST

Financial Exception Posting Addendum Record

FEER

Financial/Non-financial Fee Addendum Record

DBMC

Financial/Non-financial Debit MasterCard Addendum Record

AIRA

Financial/Non-financial Debit MasterCard Airline Ticket Addendum Record

PARC

Financial/Non-financial Parcelas Addendum Record (Available For Brazil Only)

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Value

Message Type Indicators

MCDC

Financial/Non-financial Maestro CDC Addendum Record (Available For Brazil Only)

MPDT

Financial/Non-financial Maestro Post Dated Addendum Record (Available for Brazil Only)

MIST

Financial/Non-financial Maestro Installment Payment Addendum Record (Available for Brazil Only)

ADDR

Financial/Non-financial Additional Data Addendum Record

Sequence of Transmission File The Batch Data File transmission lists the acquirer information, followed by the issuer information. A separate Settlement Trailer record is present for each currency with representative transaction settlement. Processors receiving the file as both an acquirer and issuer receive one Settlement Trailer record as acquirer, one Settlement Trailer record as issuer, and one Settlement Trailer record with the net of acquirer and issuer positions reported. Each record is identified as A (acquirer), I (issuer), or N (net) settlement. This information is essential to the reconciliation process used by processors. Financial, Nonfinancial, and Exception Records appear in the file as records for a particular settlement date. Table 2.3—Sample Transmission without Transactions

2-8

Description

Comments

File Header Record (FHDR)

This required record contains processor identification data.

Settlement Trailer Record (STRL)

This record contains settlement position at a processor level by settlement currency. This record will be represented as N net settlement position.

Financial Trailer Record (FTRL)

This record contains the total number of records in file.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Table 2.4—Sample Transmission with Financial, Non-financial, Exception Transactions Description

Comments

File Header Record (FHDR)

This required record contains processor identification data.

Settlement Header Record (SHDR)

This required record contains the currency of settlement data. There will be a Settlement Header record (SHDR) to identify each settlement currency represented in the activity for the processor.

Financial Record (FREC)

This required record contains detailed financial transaction data.

Non-financial Record (NREC)

This required record contains detailed non-financial data.

Exception Record (EREC)

This required record contains adjustment, chargeback and representment data.

Settlement Trailer Record (STRL)

This required record contains settlement position at a processor level by settlement currency. The identifier of A (Acquirer) indicates acquirer settlement position. The I (Issuer) indicates issuer settlement position, and the N (Net) settlement of the acquirer and issuer. Each transmission will contain one of the following Settlement Trailer Records (STRL) combinations: •

Acquirer and Net (A & N)

•

Issuer and Net (I & N)

•

Acquirer, Issuer, and Net (A, I, & N)

There will be a Settlement Trailer Record (STRL) for each settlement currency represented in the activity for the processor. Interchange Compliance Issuer Detail Adjustment Record (INTC)

File Trailer Record (FTRL)

©2006 MasterCard MDS Settlement and Reports • October 2006

This record is dynamic. When this record is created it is forwarded to the MDS from GCMS through the MasterCard File Express or Bulk File. Once received, the MDS will identify the receiving processor by identifying the ICA number with the IPT (ICA Processor Table). This record, when received, will provide issuers and acquirers with information to determine the effect of interchange compliance on their net settlement. This record contains the total number of records in the file.

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Batch File Specifications Batch Data Format/250-byte Record Size

Table 2.5—Sample Transmission with Financial, Non-financial, Exception and Optional Addendum records Description

Comments

File Header Record (FHDR)

This required record contains processor identification data.

Settlement Header Record (SHDR)

This required record contains currency of settlement data.

Financial Record (FREC) /Non-financial Record (NREC)

This required record contains detailed financial/nonfinancial transaction data.

Exception Record (EREC)

This required record contains adjustment, chargeback and representment detail information.

Financial/Non-financial Addendum Record Force Post (FPST)

This optional addendum record will be in the file following the core Financial Record (FREC). This record is used for posting customer information.

Financial/Non-financial Addendum Record Exception Force Post (EPST)

This optional addendum record will be in the file following core FREC Financial record, and the FPST Force Post record. This record contains adjustment, chargeback and representment detail information.

Financial/Non-financial Addendum Record (FEER)

This optional addendum record will be in the file following core FREC Financial record, and any Force Post FPST addendum records.

Financial/Non-financial Addendum Record (DBMC)

This optional addendum record follows the core FREC Financial and any FPST Force Post, EPST Exception Posting record, and FEER Fee addendum records.

Financial/Non-financial Addendum Record (AIRA)

This optional addendum record follows the core FREC Financial record, FPST Force Post or EPST Exception posting records, FEER Fee records, and DBMC Debit MasterCard records.

Financial/Non-financial Addendum Record (PARC)

This optional addendum record is for Parcelas and is available for Brazil processors only. This record follows the core FREC, Financial and any FPST Force Post and/or FEER Fee addendum records.

(Brazil Only)

Financial/Non-financial Addendum Record (MCDC) (Brazil Only)

Financial/Non-financial Addendum Record (MPDT) (Brazil Only)

2-10

This optional addendum record is for the Maestro CDC information and is available for Brazil Processors only. This record follows the core FREC Financial and any FPST Force Post and/or FEER Fee addendum records. This optional addendum record is for the Maestro Post Dated transaction information and is available for Brazil processors only. This record follows the core FREC Financial and any FPST Force Post and/or FEER Fee addendum records.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Description

Comments

Financial/Non-financial Addendum Record (MIST)

This optional addendum record is for the Maestro Installment transaction information and is available for Brazil processors only. This record follows the core FREC Financial and any FPST Force Post and/or FEER Fee addendum records.

(Brazil Only)

Financial/Non-financial Addendum Record (ADDR)

This optional addendum record will be in the file following core FREC/EREC Financial record, FPST Force Post or EPST Exception Posting records, FEER Fee records, DBMC Debit MasterCard records, and AIRA Airline Ticket addendum records.

Settlement Trailer Record (STRL)

This required record reports the settlement position at the processor level by settlement currency. The Settlement trailer record will be created for the Acquirer settlement. A separate settlement trailer record will be created if the processor has Issuer activity. A Net Settlement record will be created to report the net position of the acquirer and issuer totals. If there is only acquirer or only issuer activity to report, the acquirer or issuer record will be followed by a Net Settlement trailer record.

Interchange Compliance Issuer Detail Adjustment Record (INTC)

This record is dynamic. When this record is created it is forwarded to the MDS from GCMS via MasterCard File Express or Bulk File. Once received the MDS will identify the receiving processor or by identifying the ICA number via the IPT (ICA Processor Table). This record when received, will provide issuers and acquirers with information to determine the effect of interchange compliance on their net settlement.

File Trailer Record (FTRL)

This record contains the processor ID and the total file record count.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Batch File Specifications Batch Data Format/250-byte Record Size

Batch Record Formats

Oct 2006

File Header Record (FHDR)—Required The File Header Record is the leading record in the file and provides the processor with identifying record information. Table 2.6—File Header Record (FHDR)

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

Settlement Date

5–10

15

6n

Format: MMDDYY

Processor ID

11–20

N/A

10 n

MDS-assigned Processor ID

Record Size

21–23

3n

250

1 an

M

Member Testing File

P

Production File

Description

File Type Version

Attribute Comments and Values 4a

FHDR (File Header)–identifies

Processor File Data information

24 25–34

N/A N/A

10 an

Current version number of the Batch Data File. The value may increment with changes implemented on a per-release basis.

Filler

2-12

35–250

N/A

216 an

Spaces

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Settlement Header Record (SHDR)—Required

Oct 2006

The Settlement Header Record represents the count and dollar totals from the online message reported through the Batch Transaction Journal File. The Settlement Header Record is required when there is activity on the file. It specifies the settlement currency of the transactions, so it is possible to have multiple Settlement Header Records on the file. To define each settlement currency. Table 2.7—Settlement Header Record (SHDR)

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

Settlement Service Number

5–7

N/A

3n

MDS-assigned settlement time identifier

Intra-Currency Agreement Number

8–11

N/A

4 an

Reserved for future use

Settlement Currency Code

12–14

50

3n

Settlement Currency Code

Implied DecimalSettlement

15

N/A

1n

Implied decimal of the currency which the acquirer or issuer has selected as their settlement currency (DE 50).

Processor-Acquirer or Issuer

16

N/A

1a

Type of processor listed in the FHDR record. Valid values are:

Description

Attribute Comments and Values 4a

SHDR (File Header)–Contains processor

ID and settlement currency and service information.

A = Acquirer I = Issuer

Reserved

17–26

N/A

10 an

Reserved for future use

Filler

27–250

N/A

224 an

Spaces

©2006 MasterCard MDS Settlement and Reports • October 2006

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Batch File Specifications Batch Data Format/250-byte Record Size

Financial (FREC)/Non-financial (NREC) Records—Required This record layout reflects the core format of an MDS financial/non-financial transaction, which contains data elements of both the online ISO message, and batch calculated settlement. These data elements provide information that can be used by the MDS processor for reconciliation and reporting purposes. The transaction records are sorted by settlement currency, PAN, and Switch Serial Number. Table 2.8—Financial (FREC)/Non-financial (NREC)

Position

ISO DE# /Subfielda

Message Type Indicator

1–4

N/A

Switch Serial Number

5–13

63/3

9n

From online message

Processor—Acquirer or Issuer

14

N/A

1a

Type of Processor listed in the FHDR record:

Description

Attribute Comments and Values 4a

FREC (Financial) or NREC (Non-

Financial) record

A = Acquirer I = Issuer

Processor ID

15–18

N/A

4n

MDS assigned acquirer or issuer processor ID. If the receiver of the file is the acquirer in the transaction, the four positions of the Processor ID field will contain the issuer processor ID (not found in the ISO online message unless the processor requests it). The issuer processor ID appears in the last four positions of DE 100 in the online ISO message.

If the receiver of the file is the issuer in the transaction, the four positions of the Processor ID field will contain the acquirer processor ID. The acquirer processor ID appears in the last four positions of DE 33 in the ISO online message or as a processor option.

Transaction Date

2-14

19–24

13

6n

Local date from the acquirer Format is: MMDDYY

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Position

ISO DE# /Subfielda

Transaction Time

25–30

12

PAN Length

31–32

Primary Number (PAN)

33–51

2

19 an

Processing Code

52–57

3

6n

From online message

Trace Number

58–63

11

6n

From online message

Merchant Type (MCC)

64–67

18

4n

From online message

POS Entry

68–70

22

3n

From online message

Reference Number

71–82

37

12 an

From online message

Acquirer Institution ID

83–92

32

10 n

Terminal ID

93–102

41

10 an

From online message

Response Code

103–104

39

2n

From online message

Product Code

105–107

63/1

3 an

From online message

Description

Attribute Comments and Values 6n

Local time from the acquirer Format is: HHMMSS

2n

Length of significant number of Primary Number (PAN) digits From online message Left justified, blank filled

From online message The ISO 8583 institution ID is preceded by the number 1 because the ISO DE 32 is 9 digits long and the bulk file field is 10 digits long.

Includes product code and interchange type Advice Reason Code

108–114

ISIS Agreement Code

115–118

60

7 an

From online 0220/0420 message Contains blanks when the transaction completes as requested

N/A

4 an

If present, represents the currency in which the transaction will settle. Settlement (DE 50)

Authorization ID

119–124

38

6 an

From online message when available or blanks

Currency Code— Transaction

125–127

49

3n

From online message

128

N/A

1n

Implied decimal of Currency Code—Transaction (DE 49)

Implied Decimal— Transaction

©2006 MasterCard MDS Settlement and Reports • October 2006

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Batch File Specifications Batch Data Format/250-byte Record Size

Description

Position

ISO DE# /Subfielda

Completed Amt Trans—Local

129–140

4

Attribute Comments and Values 12 n

From online message in currency of DE 49. When an 0220/0230 or 04XX message pair follow the original transaction, the value used is that from DE 95, Position 1–12 of the ISO 8583 message.

Completed Amount Transaction—Local DR/CR Indicator

Cash Back Amt—Local

141

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver. When the Completed Amount Transaction–Local is zero, this field will be populated with a D.

142–153

54/5

12 n

From online message, subfield 5, pos 9–20 in the currency of DE 49.

154

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

155–162

28

8n

Fee charged for the transaction activity expressed in the currency of DE 49

163

28

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

164–166

50

3n

From online message

Implied Decimal— Settlement

167

N/A

1n

Implied decimal of DE 50, Currency Code – Settlement.

Conversion Rate— Settlement

168–175

9

8n

From online message. This rate is the reciprocal of the online rate. The online rate is represented as settlement units to local, while this rate is represented as local units to settlement.

Completed Amt— Settlement

176–187

4/5

12 n

Completed amount in settlement currency of DE 50.

Cash Back Amount— Local DR/CR Indicator Access Fee—Local

Access Fee—Local DR/CR Indicator Currency Code— Settlement

This field contains zeros when the first two positions of the Processing Code are 40 (Transfer). When 04XX message pairs follow the original transaction, the value used is from DE 95, Position 13–24 of the ISO 8583 message.

2-16

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Description Completed Amount Settlement DR/CR Indicator

Position

ISO DE# /Subfielda

188

N/A

Attribute Comments and Values 1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver. When the Completed Amt– Settlement is zero, this field will be populated with a (D).

Interchange Fee

189–198

N/A

10 n

Batch generated—same currency as DE 50

Interchange Fee DR/CR Indicator

199

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Reserved for Future Use

200–202

N/A

3n

This field is populated with 840.

Reserved for Future Use

203

N/A

1n

This field is populated with 2.

Reserved for Future Use

204–213

N/A

10 n

Zero filled.

Reserved for Future Use

214

N/A

1a

This field is populated with a D.

Positive ID Indicator

215

N/A

1n

Valid values are: 0

Indicates not ed

1

Positive ID is in the issuers online message; and the FIT value is greater than zero.

2

Positive ID is in the issuers online message; and the FIT value is equal to zero.

3

Positive ID is not present in the online message; and the FIT value is greater than zero.

4

Positive ID is not present in the online message; and the FIT value is equal to zero.

Future Service Filler

216

N/A

1a

Reserved for future use.

Cross Border Indicator

217

126

1a

Valid values are:

©2006 MasterCard MDS Settlement and Reports • October 2006

Oct 2006

Y

Transaction qualifies as a cross border transaction

N

Transaction does not qualify as cross border transaction

2-17

Batch File Specifications Batch Data Format/250-byte Record Size

Description Cross Border Currency Indicator

VISA International Service Assessment (ISA) Fee Indicator

Filler a

Position

ISO DE# /Subfielda

218

126

219

220–250

110/4

N/A

Attribute Comments and Values 1a

1n

31 ans

Valid values are: X

Transaction does not qualify as cross border transaction

Y

Transaction was submitted in the currency of the country where the merchant or ATM is located

N

Transaction was not submitted in the currency of the country where the merchant or ATM is located

Indicates whether the ISA fee is applied to the transaction. Value values are: 0

No international fee

1

International fee debited

2

International fee credited

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

2-18

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Posting Addendum Record (FPST)— Optional

Oct 2006

Table 2.9—Financial/Non-financial Posting Addendum Record (FPST)—Optional

Description Message Type Indicator

Position

ISO DE# /Subfielda

1–4

N/A

Attribute Comments and Values 4a

FPST

The FPST record is created when one of the following criteria is met: •

The FPST PDF flag is turned on, or

•

The STND PDF flag is turned on and the Response Code is ‘STND’, or

•

The MMBH PDF flag is turned on and the Response Code is ‘MMBH’

When created, this record follows the corresponding ‘FREC’. This addendum record should be used only by needing to post from this file. Switch Serial Number

5–13

63/3

9n

POS Data

14–24

61

11 an

From online message. MDS only reports the first 11 characters of the online message

Card-Issuer Institution

25–34

N/A

10 n

From online message

1 Length

35–36

1 “From”

37–55

102

19 an

From online message. Left justified, blank filled.

Filler

56–64

N/A

9 an

Reserved for future use

2 Length

65–66

2 “To”

67–85

103

19 an

From online message. Left justified, blank filled..

Filler

86–94

N/A

9 an

Reserved for future use

Card Acceptor Name/Address

95–116

43

22 ans

From online message

Card Acceptor City

117–132

43

16 ans

From online message

Card Acceptor State or Country Code

133–135

43

3 ans

From online message

©2006 MasterCard MDS Settlement and Reports • October 2006

From online message

2n

2n

2-19

Batch File Specifications Batch Data Format/250-byte Record Size

Description

Position

Stand-In Transaction

ISO DE# /Subfielda

136

Attribute Comments and Values 1a

Valid values are: Y N

Debit MasterCard Off-Line

137

1a

Valid values are: Y N

Merchant ID

138–152

42

15 an

Yes No Yes No

From online message. This field will only be present when the Product type is NOT MD.

Filler a

153–250

N/A

98 an

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

Financial/Non-financial Fee Addendum Record (FEER)—Optional Table 2.10—Financial/Non-financial Fee Addendum Record (FEER)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values

1–4

Switch Serial Number

5–13

63/3

9n

Fee Description

14–53

N/A

40 an

Batch generated to identify the type of interchange fee applied to the transaction

Merchant Tier

54–56

N/A

3a

Batch generated classification for U.S. Maestro POS transactions.

POS-Merchant ID

57–62

110

6n

Maestro POS Merchant ID processed by the acquirer.

Filler

63–250

N/A

188 ans

a

4a

FEER (Fee Record)–Optional

Message Type Indicator

When created this record follows the corresponding FREC, NREC, or EREC core records or any corresponding FPST or EPST addendum records. From online message

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

2-20

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Debit MasterCard Addendum Record (DBMC)—Optional

Oct 2006

Table 2.11—Financial/Non-financial Debit MasterCard Addendum Record (DBMC)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values 4a

DBMC (Debit MasterCard)–Optional.

Message Type Indicator

1–4

Switch Serial Number

5–13

63/3

9n

From online message

Merchant ID

14–28

42

15 an

From online message

Banknet Reference Number

29–37

63/4

9 an

From online message

Acquirer’s Reference Number (ARN)

38–60

63/5

23 an

From online message

GCMS—Settlement Date

61–66

63/6

6 an

Format: MMDDYY

GCMS—Settlement Cycle Number

67–68

63/6

2n

Valid values are 1–6

GCMS Card Authentication Method

69

110/5

1 ans

From online message

GCMS Cardholder Authentication Entity

70

110/5

1 ans

From online message

GCMS Card Data Output Capability

71

110/5

1 ans

From online message

GCMS Terminal Data Output Capability

72

110/5

1 ans

From online message

GCMS PIN Capture Capability

73

110/5

1 ans

From online message

GCMS PAN Sequence Number

74–76

23

3 an

When present, distinguishes separate cards having the same Primary Number (PAN).

GCMS Program Registration ID

77–79

110/2

3 an

Indicates participation in special brand specific promotion programs such as Quick Payment Services, Supermarket, Gaming.

The product type must be MD for this addendum record to be created

©2006 MasterCard MDS Settlement and Reports • October 2006

2-21

Batch File Specifications Batch Data Format/250-byte Record Size

Description GCMS Card Acceptance Program

Position

ISO DE# /Subfielda

80–82

110/7

Attribute Comments and Values 3 an

Identifies the Card Program to which the transaction belongs. Valid values are: DMC

GCMS Business Service Level Code

83

110/7

1 ans

Debit MasterCard

Business relationship between the acquirer and issuer and the interchange rules governing the participants in the transaction. Valid values are: 1 = Interregional 2 = Intraregional 3 = Intercountry 4 = Intracountry 8 = Member-to-member

GCMS Business Service ID Code

84–89

110/7

6 ans

Business service to which the transaction is assigned.

GCMS Interchange Rate Designator

90–91

110/7

2 ans

Interchange rate and editing rules applied to the transaction.

GCMS Settlement Service Level Code

92

110/7

1 an

Identifies the settlement level of the settlement service. Valid values are: 1 = Regional 2 = Intraregional

GCMS Settlement Service ID Code

93–102

110/7

10 ans

Settlement service based on the settlement service ID selected by the receiving member.

GCMS Settlement Date

103–108

110/7

6 ans

If the Debit MasterCard issuer’s settlement bank is closed on the date the transaction is received, this date will be the next open date for the settlement bank. Format: YYMMDD

GCMS Settlement Cycle

109–110

110/7

2 ans

The settlement cycle is a two-digit field that identifies the settlement cycle of the transaction. Valid values are 01 02 03 04 05 06

2-22

= = = = = =

Cycle Cycle Cycle Cycle Cycle Cycle

1 2 3 4 5 6

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Description

Position

ISO DE# /Subfielda

Filler

111–250

N/A

a

Attribute Comments and Values 140 an

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

Financial/Non-financial Debit MasterCard Airline Ticket Addendum Record (AIRA)—Optional Table 2.12—Financial/Non-financial Debit MasterCard Airline Ticket Addendum Record (AIRA)— Optional

Description Message Type Indicator

Position

ISO DE# /Subfielda

1–4

Attribute Comments and Values 4a

AIRA (Airline Ticket Required for Debit

MasterCard) When created this record follows any corresponding FPST, FEER and/or DBMS addendum records.

Switch Serial Number

5–13

63/3

9n

enger Name

14–38

N/A

25 an

enger Name

Ticket Number

39–53

48/93

15 an

Ticket Number

Travel Date

54–59

N/A

6n

Format: MMDDYY

Carrier Code

60–61

N/A

2 an

Carrier Code

Service Class

62–63

N/A

2 an

Service Class

64

N/A

1 an

Stop over Code

City of Origin

65–69

N/A

5 an

Origin City

City of Destination

70–74

N/A

5 an

Destination city

Filler

75–250

N/A

176 an

Stop Over Code

a

From online message

Reserved for future use

Refer to the MDS Online Specifications manual for detailed data element descriptions.

©2006 MasterCard MDS Settlement and Reports • October 2006

2-23

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Parcelas Addendum Record (PARC)— Optional Table 2.13—Financial/Non-financial Parcelas Addendum Record (PARC)—Optional

Description

Position

Message Type Indicator

1–4

Switch Serial Number

5–13

Identifier

14–15

ISO DE# /Subfielda

Attribute Comments and Values 4a

PARC (Parcelas)

63/3

9n

From online message

112

2n

Valid values are: 21 Parcelas transaction 50 Construcard Transaction 60 Trishop transaction

Number of Installments

16–17

112

2n

Number of chosen installments, from inquiry requests When the transaction identifier is 50 or 60, this field will not be populated.

Installment Interest

18–29

N/A

12 n

Estimated installment amount with interest When the transaction identifier is 50 or 60, this field will not be populated.

Purchase Price with Interest

30–41

112

12 n

Total amount of transactions with interest When the transaction identifier is 50 or 60, this field will not be populated.

Annual Interest Rate

42–45

112

4n

Annual Interest Rate When the transaction identifier is 50 or 60, this field will not be populated.

Filler a

46–250

N/A

205 an

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

2-24

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Maestro CDC Addendum Record (MCDC)— Optional Table 2.14—Financial/Non-financial Maestro CDC Addendum Record (MCDC)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values 4a

MCDC (Maestro CDC–Optional)

Message Type Indicator

1–4

Switch Serial Number

5–13

63/3

9n

From online message

Identifier

14–15

112/1

2n

Valid value:

When created this record follows any corresponding FPST and/or FEER addendum records..

20 CDC transaction

Number of Installments

16–17

112/2

2n

Number of chosen installments, from inquiry requests

Estimated Installment Amount

18–28

112/11

11 n

Estimated installment amount for number of installments chosen.

29

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

30–40

112/11

11 n

Total to be repaid via installments

41

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Monthly Interest Rate

42–46

112/11

5n

Monthly Interest Rate

Annual Interest Rate

47–51

112/11

5n

Annual Interest Rate

TAC

52–59

112/11

8n

Two decimal position – Registration Fee

# of New Options Offered

60–61

112/11

2n

Number of additional installment options offered

62

N/A

1a

Valid values are:

Estimated Installment Amount DR/CR Indicator Total Amount Total Amount DR/CR Indicator

CDC Identifier

C I

Filler a

63–250

N/A

188

CDC Purchase Inquiry

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

©2006 MasterCard MDS Settlement and Reports • October 2006

2-25

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Maestro Post Dated Addendum Record (MPDT)—Optional Table 2.15—Financial/Non-financial Maestro Post Dated Addendum Record (MPDT)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values 4a

MPDT (Maestro Post Dated–Optional)

Message Type Indicator

1–4

Switch Serial Number

5–13

63/3

9n

From online message

Service Code

14–15

112/1

2n

Valid values are:

When created this record follows any corresponding FPST and/or FEER addendum records.

30 Guaranteed 31 non-guaranteed

16

112/18

1a

Contains Y or N for guarantee status of transaction:

Guarantee Amount

17–24

112/18

8n

Contains the amount of the guarantee in local currency; zero if no guarantee

Proposed Settlement Date

25–30

112/18

6n

MMDDYY of proposed settlement date (expected date for completion message arrival)

Original MDS Settlement Date

31–36

112/18

6n

MMDDYY; MDS Settlement date of original preauthorization; contains zeros for preauthorization message.

Original Switch Serial Number

37–45

112/18

9n

Original switch serial number assigned by MDS to original pre-authorization request; contains zeros on preauthorization message

Interchange Amount

46–53

112/18

8n

Interchange amount associated with the completion message with debit/credit indicator; two decimal positions; contains zeros on preauthorization request

Interchange Amount DR/CR Indicator

54

112/18

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Authorization Code

55–60

112/18

6n

The online authorization code provided by the issuer on the original pre-authorization request

Guarantee

2-26

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Description

Position

Pre Auth or Completion Filler a

ISO DE# /Subfielda

61 62–250

N/A

Attribute Comments and Values 1a

P A

189

Spaces

Preauthorization Completion

Refer to the MDS Online Specifications manual for detailed data element descriptions.

Financial/Non-financial Maestro Installment Addendum Record (MIST)—Optional

Oct 2006

Table 2.16—Financial/Non-financial Maestro Installment Addendum (MIST)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values 4a

MIST (Maestro Installment–Optional)

Message Type Indicator

1–4

Switch Serial Number

5–13

63/3

9n

From online message

Service Code

14–15

112/1

2n

Valid values are:

When created this record follows any corresponding FPST and/or FEER addendum records.

40 for guaranteed 41 for non-guaranteed

16

112/19

1a

Contains Y or N for guarantee status of transaction.

Guarantee Amount

17–24

112/19

8n

Contains the amount of the guarantee in local currency; zero if no guarantee

Number of Installments

25–26

112/19

2n

Number of requested installments

Number of This Installment

27–28

112/19

2n

Number in sequence of this completion transaction; zero for pre-authorization request

Date of First Installment

29–34

112/19

6n

Contains zeros for completion messages

Guarantee

Format: MMDDYY Original MDS Transaction Date

35–40

112/19

6n

MDS settlement date of original preauthorization request; contains zeros on pre-authorization message Format: MMDDYY

©2006 MasterCard MDS Settlement and Reports • October 2006

2-27

Batch File Specifications Batch Data Format/250-byte Record Size

Position

ISO DE# /Subfielda

Original Switch Serial Number

41–49

112/19

9n

Original switch serial number assigned by the MDS to original pre-authorization request; contains zeros on pre-authorization message

Interchange Amount

50–57

112/19

8n

Interchange amount associated with completion message with debit/credit indicator; contains zeros on preauthorization message; two decimal position.

Interchange Amount DR/CR Indicator

58

112/19

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Authorization Code

59–64

112/19

6n

Contains the online authorization code provided by the issuer on the original preauthorization request

1a

P A

Description

Pre-Auth or Completion Filler a

65 66–250

N/A

Attribute Comments and Values

185 an

Preauthorization Completion

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

2-28

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Additional Data Addendum Record (ADDR)—Optional

Oct 2006

Table 2.17—Financial/Non-financial Additional Data Addendum Record (ADDR)—Optional

Description Message Type Indicator

Position

ISO DE# /Subfielda

1–4

Attribute Comments and Values 4a

ADDR (Additional Data Record–

Optional) When created, this record follows the corresponding FREC, NREC, or EREC core records or any corresponding FPST or EPST addendum records.

Switch Serial Number

5–13

63/3

9n

From online message

Currency Code, Currency Conversion Assessment

14–16

N/A

3n

From online message

17

N/A

1n

From online message

Amount, Currency Conversion Assessment

18–29

111

12 n

The amount calculated by the MDS resulting from applying the Currency Conversion Assessment to the transaction.

Amount, Currency Conversion Assessment DR/CR Indicator

30

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Reserved for Future Use

31–33

111

3n

This field will always be populated with 840.

Reserved for Future Use

34

1n

This field will always be populated with a 2.

Reserved for Future Use

35–42

8

8n

Zero-filled

Reserved for Future Use

43

N/A

1a

This field will always be populated with a D.

44–250

N/A

207 an

Implied Decimal, Currency Conversion Assessment

Filler a

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

©2006 MasterCard MDS Settlement and Reports • October 2006

2-29

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Exception Record (EREC)—Required Table 2.18—Financial/Non-financial Exception Record (EREC)—Required

Description

Position

Message Type Indicator

1–4

Switch Serial Number

5–13

Processor–Acquirer or Issuer

14

ISO DE# /Subfielda

63/3

Attribute Comments and Values 4a

An Exception Record (EREC) is created when a reversal adjustment, chargeback, or representment record is received

9n

From original online message

1a

A or I, identifies type of processor listed in processor ID in the Header Record. A I

Processor ID

15–18

N/A

4n

acquirer issuer

The MDS populates this field with the acquirer or issuer processor ID. If the receiver of the file is the acquirer in the transaction, the four positions of the Processor ID field will contain the issuer processor ID (not found in the ISO online message unless the processor requests it.) The issuer processor ID appears in the last four positions of DE 100 in the ISO online message. If the receiver of the file is the issuer of the transaction, the four position Processor ID field will contain the acquirer processor ID. The acquirer processor ID appears in the last four positions of DE 33 in the ISO online message or as a processor option.

Transaction Date

19–24

13

6n

Original local date from acquirer; Format: MMDDYY

Transaction Time

25–30

12

6n

Original local time from acquirer; Format: HHMMSS

Primary Number (PAN-) Length

31–32

2n

Length of significant number of PAN digits

PAN

33–51

19 an

From online message. Left justified, Blank filled

2-30

2

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Position

ISO DE# /Subfielda

Processing Code

52–57

3

6n

From online message

Trace Number

58–63

11

6n

From online message

Merchant Type (MCC)

64–67

18

4n

From online message

POS Entry

68–70

22

3n

From original online message

Reference Number

71–82

37

12 an

From online message

Acquirer Institution ID

83–92

32

10 n

From online message. The ISO 8583 institution ID is preceded by the number 1 because the ISO DE 32 is 9-digits long and the bulk file field is 10 digits long.

Terminal ID

93–102

41

10 an

From online message. Left justified, blank-filled

Response Code

103–104

39

2n

From online message

Product Code

105–107

63/1

3 an

From online message. Includes product code and interchange type

Advice Reason Code

108–114

60

7 an

From exception online 0420/0220 message

ISIS Agreement Code

115–118

N/A

4 an

If present, represents in which currency the transaction will be settled (DE 50)

Authorization ID

119–124

38

6 an

From online message when available or zeros

Currency Code Transaction

125–127

49

3n

From online message

128

N/A

1n

Implied decimal of Currency Code – Transaction

129–140

4

12 n

From original online message. In currency of DE 49. When an 0220/0230 or 04XX message pair follow the original transaction, the value used is that from DE 95, position 1–12 of the ISO 8583 message.

141

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

142–153

54/5

12 n

From original online message. In currency of DE 49

Description

Implied Decimal Transaction Completed Amt Trans - Local

Completed Amount Transaction–Local DR/CR Indicator Cash Back Amt - Local

©2006 MasterCard MDS Settlement and Reports • October 2006

Attribute Comments and Values

2-31

Batch File Specifications Batch Data Format/250-byte Record Size

Position

ISO DE# /Subfielda

154

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Access Fee–Local

155–162

28

8n

From online message. In currency of DE 49

Access Fee–Local DR/CR Indicator

163

28

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Currency Code— Settlement

164–166

50

3n

From online message

Implied Decimal— Settlement

167

N/A

1n

Implied decimal of Currency Code – Settlement (DE 50)

Conversion Rate— Settlement

168–175

9

8n

This rate is the reciprocal of the online rate. The online rate is represented as settlement units/local while this rate is represented as local units to settlement.

Completed Amt— Settlement

176–187

5

12 n

Original Completed amount in settlement currency of DE 50

Completed Amt— Settlement DR/CR Indicator

188

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

189–198

N/A

10 n

Will be same currency as DE 50

199

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

New Advice Reason Code

200–206

60

7 an

From exception online 0420/0220 message

Replacement Amount— Local

207–218

95/1

12 n

From 0420/0220 online message. In currency of DE 49

219

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

220–231

95

12 n

From 0420/0220 online message. In currency of DE 50

232

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

233–238

N/A

6n

Formatted as MMDDYY. The MDS retrieves the month and day from batch processing and adds the year.

Description Cash Back Amount –Local DR/CR Indicator

Interchange Fee Interchange Fee DR/CR Indicator

Replacement Amount Local DR/CR Indicator Replacement Amt— Settlement Replacement Amount Settlement DR/CR Indicator Original Settlement Date

2-32

Attribute Comments and Values

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Description Positive ID Indicator

Position

ISO DE# /Subfielda

239

N/A

Attribute Comments and Values 1n

Valid values are: 0

Not ed

1

Positive ID is in the issuers online message and the FIT value is greater than zero.

2

Positive ID is in the issuers online message and the FIT value is equal to zero.

3

Positive ID is not present in the online message and the FIT value is greater than zero.

4

Positive ID is not present in the online message and the FIT value is equal to zero.

Future Service Filler

240

N/A

1a

Space

Cross Border Indicator

241

126

1a

Valid values are:

Cross Border Currency Indicator

ISA Fee Indicator

242

243

126

110

1a

1a

Y

Transaction qualifies as a cross border transaction.

N

Transaction does not qualify as cross border transaction.

Valid values are: X

Transaction does not qualify as cross border transaction

Y

Transaction was submitted in the currency of the country where the merchant or ATM is located

N

Transaction was not submitted in the currency of the country where the merchant or ATM is located

Fixed Length International Fee (ISA) Indicator. Valid values are: 0 1 2

Filler a

244–250

N/A

7 ans

No international fee International fee debited International fee credited

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

©2006 MasterCard MDS Settlement and Reports • October 2006

2-33

Batch File Specifications Batch Data Format/250-byte Record Size

Financial/Non-financial Exception Record (EPST)—Optional Table 2.19—Financial/Non-financial Exception Posting Record (EPST)—Optional

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values 4a

EPST (Exception Posting Record–

Message Type Indicator

1–4

Switch Serial Number

5–13

63/3

9n

POS Data

14–24

61

11 an

From original online message

Card-Issuer Institution

25–34

58

10 n

From original online message. The ISO 8583 institution ID is preceded by a 1 because the ISO DE 32 is 9-digits.

1 Length

35–36

N/A

2n

1 “From”

37–55

102

19 an

From online message; left justified, zero filled.

Filler

56–64

N/A

9 an

Reserved for future use

2 Length

65–66

N/A

2n

2 “To”

67–85

103

19 an

From online message; left justified, zero filled.

Filler

86–94

N/A

9 an

From online message

Card Acceptor Name/Address

95–116

43

22 ans

From online message

Card Acceptor City

117–132

43

16 ans

From online message

Card Acceptor State or Country Code

133–135

43

3 ans

From online message

Stand-In Transaction

136

Optional)

1a

From online message

Stand-In (from original financial transaction). Valid value are: Y N

Adjustment Date

137–142

N/A

6n

Yes No

MDS Date; Format: MMDDYY

Adjustment Time

143–148

N/A

6n

MDS Time; Format: HHMMSS

Adjusted Amt—Local

2-34

149–160

N/A

12 n

Generated from MDS internal exception process. In the local currency of the acquirer or source location of the transaction (DE 49). ©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Description

Position

ISO DE# /Subfielda

Attribute Comments and Values

161

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

162–173

N/A

12 n

Generated from MDS internal exception process. In currency the acquirer or issuer has selected as their settlement currency (DE 50).

Adjusted Amount— Settlement DR/CR Indicator

174

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

Positive ID Indicator

175

N/A

1n

Adjusted Amt—Local DR/CR Indicator Adjusted Amt— Settlement

Merchant ID

176–190

42

15 an

Valid values are: 0

Indicates “not ed”

1

Positive ID is in the issuers online message and the FIT value is greater than zero.

2

Positive ID is in the issuers online message and the FIT value is equal to zero.

3

Positive ID is not present in the online message and the FIT value is greater than zero.

4

Positive ID is not present in the online message and the FIT value is equal to zero.

From online message This field will only be present when the Product type is NOT MD.

Filler a

191–250

N/A

60 an

Spaces

Refer to the MDS Online Specifications manual for detailed data element descriptions.

©2006 MasterCard MDS Settlement and Reports • October 2006

2-35

Batch File Specifications Batch Data Format/250-byte Record Size

Settlement Trailer Record (STRL)—Required Table 2.20—Settlement Trailer Record (STRL)—Required

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

Settlement Service Number

5–7

N/A

3n

MDS Assigned Settlement Indicator

Intra-currency Agreement Number

8–11

N/A

4 an

Reserved for future use.

Currency Code— Settlement

12–14

50

3n

Settlement Currency Code

Description

Attribute Comments and Values 4a

STRL (Settlement Trailer)

Used to reflect the settlement position at a processor level by settlement currency.

There will be a separate STRL for each currency represented in the transaction file.

Implied Decimal— Settlement

15

N/A

1n

Implied decimal of local settlement currency DE 50

Processor—Acquirer or Issuer

16

N/A

1a

Acquirer, Issuer, or Net identifies settlement position of the processor listed in the processor ID in the Header Record. Each file will contain one of the following Settlement Trailer Record combinations:

•

Acquirer and Net (A & N)

•

Issuer and Net (I & N)

•

Acquirer, issuer, and Net (A, I, & N)

The N indicator in the record denotes that this is the Net settlement to the processor. The Net Settlement Trailer record represents the Net amount that is settled to the member. The Net record contains the final settlement amount only. Filler

2-36

17–26

N/A

10 an

Reserved for future use.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Description Total Debit Amount— Settlement

Position

ISO DE# /Subfield

27–40

N/A

Attribute Comments and Values 14 n

Calculated in batch processing. The sum of all FREC debit records. Debit records contain a D in the settlement indicator field. The totals reported for the acquirer are presented in the true settlement position for the transactions (debits to issuers will be credits to acquirers.)

Number of Debit Items

41–48

N/A

8n

Calculated in batch processing. The number of FREC debit records. The number of debits will not be incremented for transactions when the first two positions of the Processing Code are equal to 40 (Transfer).

Total Credit Amount— Settlement

49–62

N/A

14 n

Calculated in batch processing. The sum of all FREC credit records. Credit records contain a C in the settlement indicator field. The totals reported for the acquirer are presented in the true settlement position for the transactions (debits to issuers will be credits to acquirers.)

Number of Credit Items

63–70

N/A

8n

Calculated in batch processing. The number of FREC credit records. The number of credits will not be incremented for transactions when the first two positions of the Processing Code are equal to 40 (Transfer).

Total Reversal Debit Amount

71–84

N/A

14 n

Calculated in batch processing. The sum of all EREC debit records. Debit records contain a D in the settlement indicator field. The totals reported for the acquirer are presented in the true settlement position for the transactions. Debits to issuers will be credits to acquirers.

Number of Debit Reversals

85–92

©2006 MasterCard MDS Settlement and Reports • October 2006

N/A

8n

Calculated in batch processing. The number of EREC debit records.

2-37

Batch File Specifications Batch Data Format/250-byte Record Size

Description Total Reversal Credit Amount

Position

ISO DE# /Subfield

93–106

N/A

Attribute Comments and Values 14 n

Calculated in batch processing. The sum of all credit EREC records. Credit records contain a C in the settlement indicator field. The totals reported for the acquirer are presented in the true settlement position for the transactions. Debits to issuers will be credits to acquirers.

Number of Credit Reversals

107–114

N/A

8n

Calculated in batch processing. The number of EREC credit records.

Number of Non-financial

115–122

N/A

8n

Calculated in batch processing. The number of non-financial NREC records. Non-financial records are transaction where no card settlement value is interchanged through the MDS. These include balance inquiries, funds transfers, denials, and electronic commerce certificate requests.

Total Interchange Fees - Debits

123–134

N/A

12 n

Calculated in batch processing. The sums of all debit interchange from FREC, NREC, and EREC records. Debit records contain a D in the interchange indicator field.

Total Interchange Fees - Credits

135–146

N/A

12 n

Calculated in batch processing. The sums of all credit interchange from FREC, NREC, and EREC records. Credit records contain a C in the interchange indicator field.

Reserved for Future Use

147–149

N/A

3n

This field is populated with ‘840’.

Reserved for Future Use

150

N/A

1n

This field is populated with a ‘2”.

Reserved for Future Use

151–162

N/A

12 n

Zero filled.

Reserved for Future Use

163

N/A

1a

This field is populated with a ‘D’.

Total Net Settlement

164–177

N/A

14 n

Processor Settlement position

Total Net Settlement DR/CR Indicator

178

N/A

1a

Indicates if the value is a Credit (C) or Debit (D) to the receiver.

179–250

N/A

72 an

Filler

2-38

Spaces

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Interchange Compliance Issuer Detail Adjustment Record (INTC)— Required Table 2.21—Interchange Compliance Issuer Detail Adjustment Record (INTC)—Required

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

Acceptance Brand ID

5–7

N/A

3 ans

Identifies the acceptance brand or financial network to which a transaction belongs

8

N/A

1 ans

The Business Service Arrangement Type assigned to the transaction in GCMS.

Business Service ID

9–14

N/A

6 ans

The Business Service ID assigned to the transaction in GCMS.

Interchange Rate Designator

15–16

N/A

2 an

The IRD that was originally submitted and processed through GCMS

Business Date

17–22

N/A

6n

The clearing system’s processing date expressed in the local time zone of the clearing system’s processing center.

Description

Business Service Arrangement Type

Attribute Comments and Values 4a

INTC (Interchange Compliance Record)

Created when a file is received from GCMS.

Format: YYMMDD Business Cycle

23–24

N/A

2n

A two-digit numeric subfield which represents the clearing cycle.

Member ID

25–35

N/A

11 n

The issuer’s MasterCard member identification number

PAN—Primary Number

36–51

N/A

16 n

Received in the GCMS record sent.

Filler

52–54

N/A

3 an

Spaces

Amount Transaction (Clearing)

55–66

N/A

9(10)v99 n Transaction amount submitted by the acquirer in the first presentment message

Revised Interchange Fee Amount

67–74

N/A

9(6)v99 n

Revised Interchange Rate Designator

75–76

N/A

2 an

©2006 MasterCard MDS Settlement and Reports • October 2006

Interchange fee amount after adjustment by the interchange compliance process. Interchange rate designator to which the transaction was adjusted by the interchange compliance process.

2-39

Oct 2006

Batch File Specifications Batch Data Format/250-byte Record Size

Position

ISO DE# /Subfield

Banknet Reference Number (BRN)

77–85

N/A

9 an

Assigned by the MasterCard Authorization System at the acquirer MIP

Banknet Date

86–89

N/A

4n

Date of the transmission from the authorization log.

Description

Attribute Comments and Values

Format: MMDD MM=MONTH, DD=DAY Filler

90–250

N/A

161 an

Spaces Oct 2006

File Trailer Record (FTRL)—Required Table 2.22—File Trailer Record (FTRL)—Required

Description

Position

Message Type Indicator

1–4

Processor ID

5–14

Total Recon Count

15–25

Filler

26–250

2-40

ISO DE# /Subfield N/A

N/A

Attribute Comments and Values 4a

FTLR (File Trailer Record)

10 n

Same as file header record (FHDR)

11 n

Total number of all records including file header record, addendums, financial control records and file trailer.

225 an

Spaces

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Previous Batch Data File

Oct 2006

This section provides record format and file structure for the batch data file being replaced by the 250-byte batch data file. should be migrating to the newer 250-byte batch data file structure.

MDS Record Formats This section provides detail record layouts for the MDS Report Transmission File and the MDS Transaction Detail File. Table 2.23—Report Transmission File Header Record Format Description

Attribute

Comment

Message Type Indicator

4n

5200

Settlement Date

6n

YYMMDD

Record Segment Size

3n

Transmit Record Size

Total Record Size

3n

Logical Record Size

File Type

1 an

C

Certification File

P

Production File

Filler

116 an

Total

133

Blank Fill

Table 2.24—Report Transmission File Detail Record Format Description Print Control Character

Attribute 1 an

Comment Position 1 contains a carriage control character: blank

Report Line Data

Total

©2006 MasterCard MDS Settlement and Reports • October 2006

132 an

space 1 line

1

skip to new page

0

space 2 lines

-

space 3 lines

The first line of the reports will always include positions 1 through 4 printed as SWCH. A processor uses this field to key in from generating reports or microfiche.

133

2-41

Batch File Specifications Previous Batch Data File

File Structure The following pages provide details about the records contained in the batch data file being replaced.

File Header Record—Required The File Header (5200) Record will provide the processor with the following information: •

Settlement date

•

Processor ID

•

Record segment size (which represents the record size of the transmission file to the processor)

Financial/Non-financial and Exception Item Record The Financial/Non-financial (5220) Record and Exception Item (5240) Record contain information sufficient to marry a transaction (for example, the individual’s number, the amount requested in the transaction, and the settlement date). When an advice or reversal message (full or partial) follows the original authorization request and approval, the MDS updates the original 5220 record to reflect the adjusted values. Therefore, a single 5220 record appears in the bulk file rather than in two 5220 records. The MDS generates a 5240 record because of an adjustment, chargeback, or representment.

2-42

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

File Options Table 2.25 lists the available file options. Table 2.25—File Options Option

Description

Transaction Posting

•

Used by Authorization Request/01xx processors only

•

Contains four 80-character segments for every transaction

•

Five 80-character segments for every exception transaction

•

Used by Financial Transactions/02xx processors that perform logging functions that capture all online message contents

•

Contains one 80-character segment for each completed transaction

•

Two 80-character segments for each suspect and international transaction

•

Five 80-character segments for every exception transaction

•

Used by Financial Transactions/02xx processors that perform logging functions that capture minimum online message contents

•

Contains two 80-character segments for every completed transaction

•

Five 80-character segments for every exception transaction

Dynamic Transaction Validation

Transaction Reconciliation

©2006 MasterCard MDS Settlement and Reports • October 2006

2-43

Batch File Specifications Previous Batch Data File

File Control Record—Required The File Control Record represents the count and dollar total (batch totals) of all entries (total debit and total credit) contained in the file.

Settlement Record—Required The Settlement Record represents the count and dollar totals that are sent daily to the processor to settle on the transaction date indicated in the record.

File Update Record—Optional (FIT File) The File Update Record contains product and processor routing information of prefixes loaded at the MDS for routing. These records are available to processors on a weekly (every Thursday evening) or daily basis.

Full File Replacement The full file update record transmission contains existing prefixes as well as any additional prefixes added, deleted, and modified since the previous transmission. This is a full file replacement.

File Update Versions There are two versions of the File Update Record available. The first version of the file contains the country code information for each prefix; the second version does not contain the country code information. U.S. acquirers that assess ATM access charges must use the first (and preferred) version of the file.

Note

2-44

Processors implementing new connection to the MDS must use the File Update Record version that contains the country code information.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Sequence of Transmission File Financial/Non-financial Records and Exception Records appear in the file as records for the particular settlement date. Table 2.26—Transmission without Transactions Description

Segments

File Header Record File Control Record

Note

Settlement Record

1 of 2 (acquirer)

Settlement Record

2 of 2 (acquirer)

Settlement Record

1 of 2 (issuer)

Settlement Record

2 of 2 (issuer)

Processors will not receive the issuer and acquirer settlement record in a specific order.

Table 2.27—Sample Transmission using Dynamic Transaction Validation Description

Segments

File Header Record Transaction Validation Record

1 of 1

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Transaction Validation Record

1 of 1

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Transaction Validation Record

1 of 1

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Transaction Validation Record

1 of 1

Exception Record

1 of 5

Exception Record

2 of 5

©2006 MasterCard MDS Settlement and Reports • October 2006

2-45

Batch File Specifications Previous Batch Data File

Description

Segments

Exception Record

3 of 5

Exception Record

4 of 5

Exception Record

5 of 5

Exception Record

1 of 5

Exception Record

2 of 5

Exception Record

3 of 5

Exception Record

4 of 5

Exception Record

5 of 5

File Control Record Settlement Record

1 of 2 (acquirer)

Settlement Record

2 of 2 (acquirer)

Settlement Record

1 of 2 (issuer)

Settlement Record

2 of 2 (issuer)

File Update Records (optional) Table 2.28—Sample Transmission using Transaction Reconciliation Description

Segments

File Header Record

2-46

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Reconciliation Record

1 of 2

Reconciliation Record

2 of 2

Exception Record

1 of 5

Exception Record

2 of 5

Exception Record

3 of 5

Exception Record

4 of 5

Exception Record

5 of 5

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Segments

Exception Record

1 of 5

Exception Record

2 of 5

Exception Record

3 of 5

Exception Record

4 of 5

Exception Record

5 of 5

File Control Record Settlement Record

1 of 2 (acquirer)

Settlement Record

2 of 2 (acquirer)

Settlement Record

1 of 2 (issuer)

Settlement Record

2 of 2 (issuer)

File Update Records (optional) Table 2.29—Sample Transmission using Transaction Posting Description

Segments

File Header Record Posting Record

1 of 4

Posting Record

2 of 4

Posting Record

3 of 4

Posting Record

4 of 4

Posting Record

1 of 4

Posting Record

2 of 4

Posting Record

3 of 4

Posting Record

4 of 4

Exception Record

1 of 5

Exception Record

2 of 5

Exception Record

3 of 5

Exception Record

4 of 5

Exception Record

5 of 5

File Control Record Settlement Record

1 of 2 (acquirer)

Settlement Record

2 of 2 (acquirer)

©2006 MasterCard MDS Settlement and Reports • October 2006

2-47

Batch File Specifications Previous Batch Data File

Description

Segments

Settlement Record

1 of 2 (issuer)

Settlement Record

2 of 2 (issuer)

File Update Records (optional)

MDS Codes The following tables list responses, processing, and completion codes. use the EX9.2 values to translate and interpret auto reconciliation files.

Response Codes The following table (Table 2.30—Response Codes) provides a list of response codes that the MDS uses. Table 2.30—Response Codes

2-48

EX9.2 Codes

ISO Codes

Description

01

00

Transaction Approved

00

Required Value

01

Refer to Card Issuer

05

Decline (For MDS Use Only)

10

Partial Approval

25

Unable to Locate Card on File (no action taken)

27

File Maintenance Error

11

30

Format Error

12

12

Invalid Transaction (For MDS use only)

14

14

Invalid Cardholder Number

31

92

Invalid Acquirer, Unable to Route Transaction

40

Requested Function Not ed

41

41

Lost Card

43

43

Stolen Card

51

51

Insufficient Funds

54

54

Expired Card

55

55

Invalid PIN, Allow Customer Retry

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

EX9.2 Codes

ISO Codes

Description

56

78

Cardholder Not on File

57

57

Invalid Transaction Selection, Transaction not Permitted to Issuer or Cardholder

58

Invalid Transaction Selection, Transaction not Permitted to Acquirer or Cardholder

61

61

Exceeds Withdrawal Limits

62

62

Restricted Card

63

Error in Decryption of PIN Block

65

Exceeds Withdrawal Count Limits

68

Response Received Late

04

Capture Card

71

Message Out of Exception Cycle Sequence

72

Exception Cycle Time Expired; for example, chargeback more than 45 days after presentment

75

PIN Tries Exceeded

76

Invalid “To” Specified

77

Invalid “From” Specified

76

13

Invalid Interchange Amount

77

79

Key exchange Validation Failed

77

05

Do Not Honor

78

00

1 Positive— 2 Positive

79

00

1 Positive— 2 Negative

80

00

1 Negative— 2 Positive

81

00

1 Negative— 2 Negative

82

96

Unable to Process, System Error

83

80

ATM Processor Inoperative

85

Valid for AVS Requests Only

91

Cardholder Processor Inoperative, Destination Processor (S or INF) not Available

94

Duplicate Transaction Detected

15

Cardholder Processor Not Found

67

75

91

92

©2006 MasterCard MDS Settlement and Reports • October 2006

2-49

Batch File Specifications Previous Batch Data File

Processing Codes The following table (Table 2.31—Processing Codes) provides a list of processing codes that the MDS uses. Table 2.31—Processing Codes ISO Codes

Description

0010

001000

Purchase—Savings

0020

002000

Purchase—Checking

0040

000000

Purchase—No Specified

0110

011000

Withdrawal—Savings

0120

012000

Withdrawal—Checking

0130

013000

Withdrawal—Credit

0140

010000

Withdrawal—No Specified

1140

2-50

Oct 2006

Ex9.2 Codes

Scrip transaction—No Specified

2010

201000

POS Online Refund—Savings

2020

202000

POS Online Refund—Checking

2040

200000

POS Online Refund—No Specified

2110

210010

ATM Deposit—Savings

2120

210020

ATM Deposit—Checking

300000

Balance Inquiry—No Specified

2310

231000

Credit Adjustment—Savings

2320

232000

Credit Adjustment—Checking

2340

230000

Credit Adjustment—No Specified

2810

280010

Payment—Savings

2820

280020

Payment—Checking

2830

280030

Payment—Credit

2840

280000

Payment—No Specified

4011

401100

Transfer—Savings to Savings

4012

401020

Transfer—Savings to Checking

4021

402010

Transfer—Checking to Savings

4022

402200

Transfer—Checking to Checking

4031

403100

Transfer—Credit to Savings

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Batch File Specifications Previous Batch Data File

Oct 2006

Ex9.2 Codes

ISO Codes

Description

4032

403200

Transfer—Credit to Checking

5010

501000

Bill Payment—Savings

5020

502000

Bill Payment—Checking

5030

503000

Bill Payment—Credit

5040

500000

Bill Payment—No Specified

5110

001000

Cash Back—Savings

5120

002000

Cash Back—Checking

5130

003000

Cash Back—Credit

5140

000000

Cash Back—No Specified

9010

901000

Electronic Commerce—Savings, Certificate Request

9020

902000

Electronic Commerce—Checking, Certificate Request

9030

903000

Electronic Commerce—Credit, Certificate Request

9040

900000

Electronic Commerce—No Specified, Certificate Request

9510

301000

Balance Inquiry—Savings

9520

302000

Balance Inquiry—Checking

9530

303000

Balance Inquiry—Credit

©2006 MasterCard MDS Settlement and Reports • October 2006

Oct 2006

2-51

Batch File Specifications Previous Batch Data File

Completion Codes The MDS displays the completion code as a five-position value. Completion Code Position Status The following table (Table 2.32—Completion Codes) provides a list of completion code position statuses. Table 2.32—Completion Codes Position

Status

Value

First position

Completion Status

0

Completed as requested

1

Not completed as requested

Second and Third Position

Transaction Status

Fourth Position

Card Status

Fifth Position

Additional Information

See “Completion Code Values.” 0

Card Returned

1

Card Captured

0

Online

1

From store-and-forward

2

Possible Duplicate Transmission

4

Transaction Adjusted

Completion Code Values The following table (Table 2.33—Completion Code Values) provides a list of completion code values. Table 2.33—Completion Code Values EX9.2

ISO (DE 60)

Description

00

0000

Completed as requested

10

4510010

Partial Dispense: Card returned

4511010

Partial Dispense: Card retained

4500011

Zero Dispense: Card returned; no receipt issued

4501011

Zero Dispense: Card retained; no receipt issued

11 18 19

2-52

4500018

Zero Dispense: Card returned; ATM failure

4501018

Zero Dispense: Card retained; ATM failure

4500019

Zero Dispense: Card returned; ATM timeout

4501019

Zero Dispense: Card retained; ATM timeout

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

EX9.2

ISO (DE 60)

Description

40

4500041

Zero Dispense: Card returned; cardholder timeout

4501040

Zero Dispense: Card retained; cardholder timeout

4530040

Financial Transaction Cancellation: Card returned

4531041

Financial Transaction Cancellation: Card retained

80

4020090

Network Advice: IPS timeout error

90

4550090

APS timeout: Card returned

4551090

APS timeout: Card retained

91

--

N/A

92

--

N/A

93

--

N/A

99

--

N/A

41

Batch Message Formats File Header Record Table 2.34—File Header Record Description

Attribute

Comment

Message Type Indicator

4n

5200

Settlement Date

6n

YYMMDD

Processor ID

10 n

Same as 10-digit NCID from online message

Record Size

3n

080

File Type

1 an

C

Certification File

P

Production File

Filler

56 an

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

Blank Fill

2-53

Batch File Specifications Previous Batch Data File

Financial/Non-financial (5220) Record Table 2.35—Financial/Non-financial (5220) Record, Segment No. 1

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4n

5220

Segment No.

1n

1

Total No. of Segments Equals

1n

Number of segments associated with this transaction:

Processor–acquirer or issuer

1a

Processor ID

3n

1

Dynamic Transaction Validation Record Format

2

Transaction Reconciliation Record Format

4

Transaction Posting Record Format

A or I identifies type of processor listed in processor ID in Header Record 5200 33

The MDS populates this field with the acquirer or issuer processor ID. •

If receiver of the file is the acquirer in the transaction, the last three positions of element 4 will contain the issuer processor ID (not found in the ISO online message).

•

If receiver of the file is the issuer in the transaction, the last three positions of element 4 will contain the acquirer processor ID.

•

The acquirer processor ID appears in the last three positions of DE 33 in the ISO online message.

Transaction Date

6n

13

Local date and time from acquirer Format is: MMDDYY

Transaction Time

6n

12

Local date and time from acquirer Format is: HHMMSS

PAN

19 n

2

Primary Number. From online message

Processing Code

4n

3

Amount Settlement

8n

4/5

Trace Number

6n

11

2-54

From online message

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description Acquirer Institution

Attribute

ISO 8583 /Subfield

10 n

32

ID

Terminal ID

10 an

Filler

1 an

Total

80

Comment •

From online message

•

The ISO 8583 institution ID is preceded by a 1 because the ISO DE 32 is 9 digits long and the bulk file field is 10 digits long

41 Blank Fill

Table 2.36—Financial/Non-financial (5220) Record, Segment No. 2

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4n

5220

Segment No.

1n

2

Total No. of Segments Equals

1n

Number of segments associated with this transaction: 2

Transaction Reconciliation Record Format

4

Transaction Posting Record Format

Response Code

15 an

39

For Stand-In transactions, positions 5–8 contain STND

Completion Code

10 an

60

From online message

Currency Code Transaction

3 an

49

From online message

Conversion Rate–Acq.

8n

9

From online message

Completed Trans Amt— Local

12 n

4

•

From online message

•

When an 0220/0230 or 04XX message pair follow the original transaction, the value used is that from DE 95, positions 1–12 of the ISO 8583 message

ATM Access Fee—USD

5 an

28

Interchange Fee

8 an

N/A

Oct 2006

From online message Calculated in the Batch Fee Matrix File Can be either U.S. dollars or local currency (ISIS)

Filler

5 an

©2006 MasterCard MDS Settlement and Reports • October 2006

N/A

Oct 2006

Blank fill.

2-55

Batch File Specifications Previous Batch Data File

Description

Attribute

ISO 8583 /Subfield

Product Code

3 an

63/1

Filler

5 an

Comment From online message Cash Back Amount MasterCard will only populate the last five positions of the Cash Back amount.

Total

80

Table 2.37—Financial/Non-financial (5220) Record, Segment No. 3

Description

Attribute

ISO 8583 /Subfield Comment

Message Type Indicator

4n

5220

Segment No.

1n

3

Total No. of Segments Equals

1n

Number of segments associated with this transaction

Currency Code

3 an

Conversion Rate

8n

Condition Code

3n

N/A

Reference Number

12 an

37

Card-Issuer Institution

10 n

N/A

From internal process by the MDS

1 “From”

19 n

102

From online message

2 “To”

19 n

103

From online message

Total

4

Transaction Posting Record Format

From online message

80

Table 2.38—Financial/Non-financial (5220) Record, Segment No. 4 Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4n

5220

Segment No.

1n

4

Total No. of Segments Equals

1n

Number of segments associated with this transaction 4

Merchant Type (MCC)

2-56

4n

18

Transaction Posting Record Format

From online message ©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Attribute

ISO 8583 /Subfield

Comment

Acq. Institution Name

41 an

43

From online message

Acq. City/State or Country

19 an

43

From online message

Switch Serial Number

9 an

63/2

From online message

Filler

1 an

Total

80

Blank fill

Table 2.39—Financial/Non-financial (5220) Record, Segment No. 5 (Dynamic)

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4 an

5220

Segment No.

1n

5

Total No. of Segments Equals

1n

Number of segments associated with this transaction 5

Merchant ID

15 an

42

From online message

Banknet Reference Number

9 an

63/4

From online message

Acquirer’s Reference Number (ARN)

23 an

63/5

From online message

Filler

26 an

Segment Format Type

1a

Total

80

blank filled M

Debit MasterCard

Table 2.40—Financial/Non-financial (5220) Record, Segment No. 5 (Parcelas)

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4 an

5220

Segment No.

1n

Relative segment number

©2006 MasterCard MDS Settlement and Reports • October 2006

2-57

Batch File Specifications Previous Batch Data File

Description

Attribute

Total No. of Segments Equals

ISO 8583 /Subfield

1n

Comment Number of segments associated with this transaction: 2

Validation

3

Reconciliation

5

Posting note

Parcelas Identifier

2n

112

21 Value

Number of Installments

2n

112

Number of chosen installments

Installment Interest

12 n

112

Estimated installment amount with interest

Purchase Price with Interest

12 n

112

Total amount of transactions with interest

Annual Interest Rate

4n

112

Annual interest rate

41 an

N/A

Reserved for future use

Parcelas Identifier

1a

N/A

P

Total

80

Filler

Note

2-58

Parcelas

that receive a two-segment auto reconciliation file and a 5220 addendum record will receive the addendum record segment in the format of a segment 3. that receive a four-segment auto reconciliation file and a 5220 addendum record will receive the addendum record segment in the format of a segment 5.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Table 2.41—Financial/Non-financial (5220) Record, Segment No. 5 for Maestro CDC

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4 an

5220

Segment No.

1n

Relative segment number

Total No. of Segments Equals

1n

Number of segments associated with this transaction 2

Validation

3

Reconciliation

5

Posting note

Parcelas Identifier

2n

112

Value = 20

Number of Installments

2n

112

Number of requested installments (from inquiry requests)

Estimated Installment Amount

9n

112

Estimated installment amount for number of installments chosen

Total Amount

12 n

112

Total to be repaid via installments

Annual Interest Rate

5n

112

Annual interest rate

43 an

N/A

Reserved for future use

1a

N/A

C

CDC purchase

I

CDC inquiry

Filler CDC Identifier Total

80

Airline Ticket Number and Additional Itinerary Data MasterCard will provide the airline ticket number and additional itinerary information in the daily batch auto-reconciliation file (80-byte format only). MasterCard will maintain this data in a new record type 5220 segment that will be generated after the financial 5220 segments. The layout of the new segment follows:

©2006 MasterCard MDS Settlement and Reports • October 2006

2-59

Batch File Specifications Previous Batch Data File

Table 2.42—Financial/Non-financial (5220) Record, Airline Ticket Number Segment

Description

Attribute

ISO 8583 /Subfield Comment

Message Type Indicator

4n

5220

Segment No.

1n

Relative segment number

Total No. of Segments Equals

1n

Number of segments associated with this transaction

enger Name

25 an

N/A

enger name

Ticket Number

15 an

48

Travel Date

6n

N/A

Travel date in MMDDYY format

Carrier Code

2 an

N/A

Carrier code

Service Class

2 an

N/A

Service class

Stop Over Code

1 an

N/A

Stop over code

City of Origin

5 an

N/A

Origin city

City of Destination

5 an

N/A

Destination city

Spaces

12 an

N/A

Reserved

Airline Indicator

1 an

N/A

A

Ticket number

Airline

Exception Transaction (5240) Record Table 2.43—Exception Transaction (5240) Record, Segment No. 1

Description

Attribute

ISO 8583 /Subfield Comment

Message Type Indicator

4n

5240

Segment No.

1n

1

Total No. of Segments Equals

1n

Number of segments associated with this transaction

Processor–acquirer or issuer

1a

Processor ID

3n

2-60

5

Exception Transaction Posting Record Format

A or I identifies type of processor listed in processor ID in Header Record 5200 33

•

If receiver of the file is the acquirer in the transaction, the last three positions of element “4” will contain the issuer processor ID.

•

If receiver of the file is the issuer in the transaction, the last three positions of element “4” will contain the acquirer processor ID.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Attribute

Reversal Date

6n

Reversal Time

ISO 8583 /Subfield Comment

6n

13

12

Format is: MMDDYY •

Switch date and time of 0422 (acquirer) message.

•

Switch date and time of 0420 (issuer) message.

Format is: HHMMSS •

Switch date and time of 0422 (acquirer) message.

•

Switch date and time of 0420 (issuer) message.

PAN

19 n

2

Processing Code

4n

3

Org Settlement Amt

8n

4/5

Trace Number

6n

11

From online message

Acq. Institution ID

10 n

32

•

From online message

•

Acquirer Institution ID: The ISO 8583 institution ID is preceded by a 1 because the ISO DE 32 is 9 digits long and the bulk file field is 10 digits long.

Terminal ID

10 an

Filler

1 an

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

41

Primary Number. From online message

From online message Blank Fill

2-61

Batch File Specifications Previous Batch Data File

Table 2.44—Exception Transaction (5240) Record, Segment No. 2

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4n

5240

Segment No.

1n

2

Total No. of Segments Equals

1n

Number of segments associated with this transaction 5

Response Code

15 an

39

Exception Transaction Posting Record Format

For Stand-In transactions, positions 5–8 contain STND

Completion Code

10 an

60

•

From online message

•

For Debit MasterCard (MD) transactions: −

Position 8 = Usage Code

−

Position 9 = Document Indicator

−

Position 10 = Future Use “blank”

Oct 2006

For more information on Debit MasterCard exception items refer to DE 60 in the MDS Online Specifications manual. Currency Code Transaction

3 an

49

From online message

Conversion Rate—Acq.

8n

9

From online message

Org. Comp. Trans. Amt—Local

12 n

4

•

From online message

•

When an 0220/0230 or 04XX message pair follow the original transaction, the value used is that from DE 95, positions 1–12 of the ISO 8583 message.

ATM Access Fee—USD

5 an

28

Interchange Fee

8 an

N/A

Calculated in the Batch Fee Matrix File. Can be either U.S. dollars or local currency (ISIS)

Filler

5 an

N/A

Blank fill

Product Code

3 an

63/1

From online message

Filler

5 an

Total

80

2-62

From online message

Oct 2006

Blank Fill

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Table 2.45—Exception Transaction (5240) Record, Segment No. 3

Description

Attribute

ISO 8583 /Subfield

Comment

Message Type Indicator

4n

5240

Segment No.

1n

3

Total No. of Segments Equals

1n

Number of segments associated with this transaction 5

Exception Transaction Posting Record Format

Reversal Reason Code

2n

N/A

From online message

New Completed AmountLocal

12 n

95

From online message

Amount Settlement

8n

95

From online message

Reversal Amount

10 n

N/A

From online message

Reversal Amount Credit/Debit Indicator

1 an

N/A

C or D denotes net credit or debit amount from the issuer’s settlement position.

Original Switch Serial No.

9n

63/3

Original Reconciliation Date

6n

90/3

Original Transaction Date

6n

13

Original Transaction Time

6n

90

Original Acq. Processor

3n

90/5

The last three positions of subfield 5 are used.

Original Iss. Processor

3n

N/A

This value does not appear in ISO 8583 messages.

Filler

8 an

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

•

MMDDYY

•

The MDS retrieves the month and day from the online message. The MDS adds the year value.

Filler

2-63

Batch File Specifications Previous Batch Data File

Table 2.46—Exception Transaction (5240) Record, Segment No. 4

Description

Attribute

ISO 8583 /Subfield Comment

Message Type Indicator

4n

5240

Segment No.

1n

4

Total No. of Segments Equals

1n

Number of segments associated with this transaction

Currency Code

3 an

N/A

From online message

Conversion Rate

8n

9

From online message

Condition Code

3n

N/A

From online message

Reference Number

12 an

37

From online message

Card-Issuing Institution

10 n

N/A

From online message

1

19 n

ISIS Reversal Amount

12 n

N/A

From online message

Reversal Credit/Debit

1 an

N/A

C or D; credit or debit from issuers’ perspective

Filler

6 an

Total

80

2-64

5

Exception Transaction Posting Record Format

102 of From online message original transaction

Blank Fill

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Table 2.47—Exception Transaction (5240) Record, Segment No. 5

Description

ISO 8583 /Subfield

Attribute

Comment

Message Type Indicator

4n

5240

Segment No.

1n

5

Total No. of Segments

1n

Number of segments associated with this transaction 5

Exception Transaction Posting Record Format

Merchant Type (MCC)

4n

18 of original From online message transaction

Acq. Institution Name

41 an

43 of original From online message transaction

Acq. City/State or Country

19 an

43 of original From online message transaction

New Switch Serial Number

9n

Filler

1 an

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

N/A

From online message Blank Fill

2-65

Batch File Specifications Previous Batch Data File

File Control (5499) Record Table 2.48—File Control (5499) Record Description

Attribute

Message Type Indicator

4n

Processor ID

3n

Total Debit Amount

11 n

Number of Debit Items

Total Credit Amount

Number of Credit Items

Reversal Debit Amount

Number of Debit Reversals

Reversal Credit Amount

2-66

6n

11 n

6n

10 n

6n

10 n

Comment 5499

•

Calculated in batch processing

•

The sum of all debit 5220 records in the batch file. Debit records contain processing codes that result in a debit to the cardholder’s .

•

A transaction with a zero settlement (full reversal of an ATM withdrawal) is treated as a debit record.

•

Calculated in batch processing

•

The number of debit 5220 records in the batch file

•

Calculated in batch processing

•

The sum of all credit 5220 records in the batch file

•

Credit records contain processing codes that result in a credit to the cardholder’s .

•

Calculated in batch processing

•

The number of debit 5220 records in the batch file

•

Calculated in batch processing

•

The sum of all debit 5420 records in the batch file

•

Debit records contain processing codes that result in a debit to the cardholder’s .

•

Calculated in batch processing

•

The number of debit 5240 records in the batch file

•

Calculated in batch processing

•

The sum of all credit 5240 records in the batch file

•

Credit records contain processing codes that result in a credit to the cardholder’s .

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Attribute

Number of Credit Reversals

Comment

6n

Number of Non-financial

6n

Filler

1 an

Total

80

•

Calculated in batch processing

•

The number of credit 5240 records in the batch file

•

Calculated in batch processing

•

The number of non-financial 5220 records in the batch file. Non-financial records contain processing codes that result in neither a credit or debit to the cardholder’s . These include balance inquiries, funds transfers, and electronic commerce certificate requests.

Blank Fill

Settlement (5500) Record Table 2.49—Settlement (5500) Record, Segment No. 1

Attribute

ISO 8583 APS/IPS

Message Type Indicator

4n

N/A

5500

Segment No.

1n

N/A

1

Total No. of Segments Equals

1n

N/A

Number of segments associated with this transaction

Description

Comment

2 A or I

Processor–Acq. or issuer

1a

N/A

Transaction Time

6n

7

From online message

Total Debit Amount

11 n

88

From online message

Number of Debit Items

6n

76

From online message

Total Credit Amount

11 n

86

From online message

Number of Credit Items

6n

74

From online message

Filler

33 an

N/A

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

Blank Fill

2-67

Batch File Specifications Previous Batch Data File

Table 2.50—Settlement (5500) Record, Segment No. 2

Description

Attribute

ISO 8583 APS/IPS Comment

Message Type Indicator

4n

N/A

5500

Segment No.

1n

N/A

2

Total No. of Segments Equals

1n

N/A

Number of segments associated with this transaction 2

Reversal Debit Amount

10 n

89

From online message

Number of Debit Reversals

6n

77

From online message

Reversal Credit Amount

10 n

87

From online message

Number of Credit Reversals

6n

75

From online message

Net Interchange Amount

11 n

97

From online message

Interchange–Credit or Debit

1 an

97

C or D denotes net credit or debit amount from

the acquirer’s or issuer’s settlement position. Filler

30 an

Total

80

2-68

N/A

Blank Fill

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

80-byte FIT File with Country Code (5300) Record Note

All U.S. processors and new processor connections must use this record. Each record contains two BIN descriptions and country code. This is not available in the 120 byte or 160 byte record formats. MasterCard will change all new processors or any existing processors changing their bulk files to the 80-byte FIT File with Country Code.

The MDS creates a condensed FIT file containing only the MasterCard, Maestro, or Cirrus BIN records. In some cases, a FIT record for these programs will have the PLUS or Visa product activated. MasterCard does not the FIT File with Country Code (5300) Record in the 120-byte or 160-byte record formats.

Warning

MasterCard does not supply PLUS/Visa-only BIN records in this file. that depend on the MDS to supply PLUS/Visa-only BIN records must make other arrangements to receive this data.

Table 2.51—80 Byte FIT File with Country Code (5300) Record Description

Attribute

Comment

Message Type ID

4n

5300

Maintenance Function

1A

R

ID Length

2n

Identifier

11 n

Processor ID

3n

PAN Length

2n

Not currently used, zero filled

Cirrus Flag

1n

0 1

N Y

MasterCard Flag

1n

0 1

N Y

PLUS Flag

1n

0 1

N Y

Visa Flag

1n

0 1

N Y

Maestro® Flag

1n

0 1

N Y

©2006 MasterCard MDS Settlement and Reports • October 2006

Replace

Prefix

2-69

Batch File Specifications Previous Batch Data File

Description

2-70

Attribute

Comment

Debit MasterCard Flag

1n

0 1

Master Banking Flag

1 an

Blank filled not used

Stand-In Flag

1n

0 1

Country Code

3n

If ≠ 840, no ATM access fees allowed

American Express Flag

1n

0 1

N Y

Mondex® Flag

1n

0 1

N Y

Visa Cash Flag

1n

0 1

N Y

Diners

1n

0 1

N Y

Discover

1n

0 1

N Y

MOPP

1n

Blank filled not used

Filler

1 an

Blanks

Maintenance Function

1A

R

ID Length

2n

Identifier

11 n

Processor ID

3n

PAN Length

2n

Not currently used, zero filled

Cirrus Flag

1n

0 1

N Y

MasterCard Flag

1n

0 1

N Y

PLUS Flag

1n

0 1

N Y

VISA Flag

1n

0 1

N Y

Maestro Flag

1n

0 1

N Y

debit MasterCard Flag

1n

0 1

N Y

N Y

N Y

Replace

Prefix

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Attribute

Comment

Master Banking Flag

1n

0 1

N Y

Stand-In Flag

1n

0 1

N Y

Country Code

3n

If ≠ 840, no ATM access fees allowed

American Express Flag

1n

0 1

N Y

Mondex Flag

1n

0 1

N Y

Visa Cash Flag

1n

0 1

N Y

Diners

1n

0 1

N Y

Discover

1n

0

N

1

Y

MOPP

1n

Blank filled not used

Filler

1 an

Blanks

Filler

2 an

Blanks

Total

80

©2006 MasterCard MDS Settlement and Reports • October 2006

2-71

Batch File Specifications Previous Batch Data File

80-byte FIT File without Country Code (5300) Record Note

ed only for existing MDS processors.

The MDS creates a condensed FIT file containing only the MasterCard, Maestro, or Cirrus BIN records. In some cases, a FIT record for Cirrus, Maestro, and MasterCard programs will have the PLUS or Visa product activated.

Warning

MasterCard does not supply PLUS/Visa-only BIN records in this file. that depend on the MDS to supply PLUS/Visa-only BIN records must make other arrangements to receive this data.

Table 2.52—80-byte FIT File without Country Code (5300) Record Description

2-72

Attribute Comment

Message Type Indicator

4n

5300

Maintenance Function

1a

R

Identifier Length

2n

Identifier

11 n

Processor ID

3n

Cirrus Flag

1n

0 1

N Y

MasterCard Flag

1n

0 1

N Y

PLUS Flag

1n

0 1

N Y

Visa Flag

1n

0 1

N Y

Maestro Flag

1n

0 1

N Y

debit MasterCard Flag

1n

0 1

N Y

Master Banking

1 an

Blank filled not used

Stand-In

1n

0 1

Replace

Prefix Value

N Y

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Previous Batch Data File

Description

Attribute Comment R

Maintenance Function

1a

Identifier Length

2n

Identifier

11 n

Processor ID

3n

Cirrus Flag

1n

0 1

N Y

MasterCard Flag

1n

0 1

N Y

PLUS Flag

1n

0 1

N Y

Visa Flag

1n

0 1

N Y

Maestro Flag

1n

0 1

N Y

Debit MasterCard Flag

1n

0 1

N Y

Master Banking

1 an

Blank filled not used

Stand-In

1n

0 1

N Y

Maintenance Function

1a

R

Replace

Identifier Length

2n

Identifier

11 n

Processor ID

3n

Cirrus Flag

1n

0 1

N Y

MasterCard Flag

1n

0 1

N Y

PLUS Flag

1n

0 1

N Y

Visa Flag

1n

0 1

N Y

Maestro Flag

1n

0 1

N Y

debit MasterCard

1n

0

N

1

Y

Master Banking ©2006 MasterCard MDS Settlement and Reports • October 2006

1 an

Replace

Prefix Value

Prefix Value

Blank filled, not used

2-73

Batch File Specifications Batch FIT Data Formats/80-byte Record Size

Description

Attribute Comment

Stand-In

1n

0 1

Filler

1 an

Blank Fill

Total

80

N Y

Batch FIT Data Formats/80-byte Record Size This documentation describes the data elements and file layout used to create a batch Financial Institution Table (FIT) data file from the online database. These FIT data files can be sent to for full FIT file loads and additional product information. Two FIT Data Files are available for to receive. The Full FIT Data File contain all fields present in the online FIT record. The Full FIT Data File also includes Visa only, PLUS only, or Visa/PLUS BIN records. The Abbreviated FIT File contains all of the fields present in the online FIT record, but it does not contain the Visa only, PLUS only or Visa/PLUS BIN records. can receive the 80-byte FIT data file and the 250-byte Batch Data File at the same time, or if they elect, they can receive only the FIT Data file prior to receiving both the 250-byte Batch Data File and the FIT Data File. Processors that process through the Banknet telecommunications network receive the FIT Data Files as Full or Abbreviated 80-byte FIT files:

Note

•

Production Bulk ID (T458)

•

Member Test Bulk ID (T459)

For Brazil only: 80 Byte FIT File:

2-74

•

Production BULK ID (T408)

•

Member Test Bulk ID (T409)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch FIT Data Formats/80-byte Record Size

FIT Header Record (FITH)—Required

Oct 2006

Table 2.53—FIT Header Record (FITH)

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

4a

FITH (FIT Header)

File Date

5–10

15

6n

Format: MMDDYY

Record Size

11–13

3n

080

1 an

M

Member Testing File

P

Production File

Description

File Type

14

N/A

Attribute Comments and Values

Version

15–24

N/A

10 an

This field displays the current version number of the Batch Data File. The value may increment with changes implemented on a per-release basis.

Filler

25–80

N/A

56 an

Spaces

FIT Data Records (FITD)—Optional

Oct 2006

Table 2.54—FIT Data Record (FITD)—Optional

Description Message Type Indicator

Position

ISO DE# /Subfield

1–4

N/A

Attribute Comments and Values 4a

FITD (FIT Data Record–Optional)

This file can be sent either daily or weekly. Additionally, the file may include all BINs or all BINs less PLUS and Visa Valid values are from 01–11

ID Length

5–6

N/A

2n

Identifier

7–17

N/A

11 an

Issuer Processor ID

18–21

N/A

4n

MDS-assigned processor ID

PAN – Primary Number, Length

22–23

N/A

2n

If a prefix has multiple PAN lengths, then the file will contain a FITD for each different length up to three.

24

N/A

1 an

Valid values are:

Stand-In Flag

Prefix—Left Justified, right spaces

Y N

Country Code

25–27

©2006 MasterCard MDS Settlement and Reports • October 2006

N/A

3n

Oct 2006

Yes No

If it is not equal to 840, no ATM access fees are allowed

2-75

Batch File Specifications Batch FIT Data Formats/80-byte Record Size

Description

Position

ISO DE# /Subfield

Region Code

28–29

N/A

Attribute Comments and Values 2n

Valid values are: 01 02 03 04 05 06

Effective Date

30–35

N/A

6n

United States Canada Latin America/Caribbean Asia/Pacific Europe Middle East/Africa

Format: YYMMDD If effective type is C then this field will contain the original date added to FITD File. Future use; If effective type is A, then this field will contain a future effective add date. Processors must add this FITD on the effective date. If effective type is D, then this field will contain a future delete date. Processors must delete this FITD on the effective date. (A)dd and (D)elete dates will always be > than the file header date.

Effective Type

36

N/A

1a

C = Current Active FIT (All FITD records contain a C at this time)

Future use: A D

State Code

Add FIT Delete FIT

37–38

N/A

2 an

Used to identify the U.S. region state associated with the issuer bank identification number (BIN).

Filler

39

N/A

1 an

Space

Cirrus Flag

40

N/A

1a

Valid values are: Y N

MasterCard Flag

41

N/A

1a

Valid values are: Y N

Maestro® Flag

42

N/A

1a

Yes No

Valid values are: Y N

2-76

Yes No

Yes No

©2006 MasterCard October 2006 • MDS Settlement and Reports

Batch File Specifications Batch FIT Data Formats/80-byte Record Size

Description debit MasterCard Flag

Position

ISO DE# /Subfield

43

N/A

Attribute Comments and Values 1a

Valid values are: Y N

PLUS Flag

44

N/A

1a

Valid values are: Y N

Visa Flag

45

N/A

1a

Yes No Yes No

Valid values are: Y N

Yes No

Future Product Flag

46

N/A

1 an

Not currently used, blank filled

Future Product Flag

47

N/A

1 an

Not currently used, blank filled

Future Product Flag

48

N/A

1 an

Not currently used, blank filled

Future Product Flag

49

N/A

1 an

Not currently used, blank filled

Future Product Flag

50

N/A

1 an

Not currently used, blank filled

Future Product Flag

51

N/A

1 an

Not currently used, blank filled

Future Product Filler

52–55

N/A

4 an

Not currently used, blank filled

MS-ISIS – ICA

56–61

N/A

6n

Spaces (for Brazil Only) ISIS ICA of Processor’s BIN

Positive ID Flag

62

N/A

1a

(for Brazil Only)

Valid values are: Y N

Yes No

Space = Default

Filler

63–64

N/A

2 an

Reserved for future use Spaces

Post Dated Flag

65

N/A

1a

(for Brazil Only)

Valid values are: Y N

Yes No

Space = Default

Installment Flag

66

(for Brazil Only)

N/A

1a

Valid values are: Y N

Yes No

Space = Default

©2006 MasterCard MDS Settlement and Reports • October 2006

2-77

Batch File Specifications Batch FIT Data Formats/80-byte Record Size

Description

Position

ISO DE# /Subfield

Parcelas Flag

67

N/A

Attribute Comments and Values 1a

(for Brazil Only)

Valid values are: Y N

Yes No

Space = Default

68

CDC Flag

N/A

1a

(for Brazil Only)

Valid values are: Y N

Yes No

Space = Default

Preferred Routing Indicator (ATM)

N/A

1a

Y N

69 Preferred Routing Indicator (POS)

Valid values are:

N/A

1a

Valid values are: Y N

70

Yes No Yes No

Future Service Filler

71

N/A

1a

Space

Future Service Filler

72–76

N/A

5 an

Not currently used, blank filled

BIN Reference Number

77–80

N/A

4n

MDS Assigned Value

FIT Trailer Record (FITT)—Required

Oct 2006

Table 2.55—FIT Trailer Record (FITT)—Required

Position

ISO DE# /Subfield

Message Type Indicator

1–4

N/A

4a

Total Recon Count

5–15

N/A

11 n

Total number of FIT file records including the FIT header and FIT trailer records.

Filler

16–80

N/A

65 an

Spaces

Description

2-78

Attribute Comments and Values FITT (FIT Trailer Record)

©2006 MasterCard October 2006 • MDS Settlement and Reports

3

Reports This chapter provides a description of the reports included in the MDS Report Transmission File.

Overview .............................................................................................................3-1 Report Transmission .....................................................................................3-1 Settlement Reports...............................................................................................3-4 Daily Control Report—SWCHD363 ..............................................................3-5 Enhancements with this update: ............................................................3-6 Daily Control Report—SWCHD363—ISIS Transactions ......................3-19 Daily Control Report—SWCHD363—Institution Level Transactions ..........................................................................................3-25 Daily Interchange Report—SWCHD412.....................................................3-29 Enhancements with this update: ..........................................................3-30 Daily Interchange Report—SWCHD412—ISIS Transactions ...............3-38 Daily Interchange Report—SWCHD412—Institution Level Transactions ..........................................................................................3-42 Monthly Control Report—SWCHM363 .......................................................3-47 Monthly Interchange Report—SWCHM412................................................3-48 Debit MasterCard Inbound/Outbound Fee Report—SWCHD586-A .........3-49 Detail Activity Reports.......................................................................................3-55 Captured Card Report—SWCHD51–Removed...........................................3-57 Exception Audit Report—SWCHD53..........................................................3-58 Detailed Suspect Items Report—SWCHD55...............................................3-67 Acquiring Processor and Cardholder Processor ..................................3-67 Transaction Audit Reports—SWCHD57 and SWCHD108..........................3-74 Acquiring Processor and Cardholder Processor ..................................3-79 Retrieval Request/Fulfillment Report—SWCHD118...................................3-83 Cardholder Processor............................................................................3-83 File Updates—SWCHD141-1........................................................3-89 Management File Updates—SWCHD141-2..................................3-93 Recurring Payment Cancellation Service—SWCHD141-3..........................3-97 Maestro® POS Transaction Audit Report—SWCHD144 .......................... 3-100 Negative File Updates—SWCHD147-1 ..................................................... 3-105 VIP File Updates—SWCHD147-2 .............................................................3-108

©2006 MasterCard MDS Settlement and Reports • October 2006

3-i

Reports

Statistical Reports.............................................................................................3-112 Financial Institution Table Report (FIT)—SWCHD15-X .......................... 3-114 FIT by Identifier and FIT by Processor..............................................3-114 Institution Definition File (IDF)—SWCHD35........................................... 3-117 Daily Processing Summary Report—SWCHD61 ...................................... 3-119 Acquiring Processor and Card Processor........................................... 3-119 Monthly Availability Report—SWCHD73 ................................................. 3-125 Cirrus Network and Processor ...........................................................3-125 Daily Cardholder Performance Report—SWCHD127-1 ........................... 3-129 Cardholder Processor.......................................................................... 3-129 Daily Cardholder Performance Variance Report—SWCHD127-2............ 3-132 Cardholder Processor.......................................................................... 3-132 Maestro POS Daily Processing Summary—SWCHD143 .......................... 3-134 Acquiring Processor and Cardholder Processor ................................ 3-134 Daily Processor Performance Report—SWCHD320-1 ............................. 3-140 Acquiring Processor and Issuing Processor....................................... 3-140 Processor Peak Performance Report—SWCHD321-1 .............................. 3-144 Processor Daily Summary Performance Report—SWCHD321-2 ............. 3-148 Transaction Interchange Month-to-Date—SWCHM03 .............................3-151 Acquiring Processor and Cardholder Processor ................................ 3-151 Month-to-Date Processing Summary Report—SWCHM06.......................3-155 Acquiring Processor and Cardholder Processor ................................ 3-155 Month-to-Date Denial Summary Report—SWCHM07 ............................. 3-161 Issuer ................................................................................................... 3-161 ISIS Reports......................................................................................................3-164 Stand-In Reports ..............................................................................................3-166 Related Reports .........................................................................................3-166 Stand-In Transaction Audit Report—SWCHD149 .................................... 3-168 Processor Availability Reports......................................................................... 3-172 Daily Processor Up Time Report (Settlement Date)—MS1100BB........... 3-174 Daily Processor Up Time Report (Calendar Date)—MS1100DD............. 3-177 Monthly Processor Up Time Report —MS1101AA .................................. 3-179 Month-to-Date Report—MS1101BB..........................................................3-181

3-ii

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Overview

Overview

Oct 2006

The MDS produces transaction processing summary and detail reports for all products the MDS s. These reports assist S personnel in daily settlement, reconciliation, system management, customer functions, and provide processor performance statistics.

Note

Oct 2006

All report data in this chapter is fictitious and does not reflect the activity of actual processors.

Report Transmission can access MDS reports through two methods: Global File Transfer or MasterCard eService. request reports in the form which best suits their business. Refer to Table 3.2 and Table 3.3 for a list of MDS reports. Table 3.1—Report Transmission Timeframes Transmission

Timeframe

Communication line

Monday through Sunday

Banknet in the T461 bulk files

Monday through Saturday

All reports except the four Processor Availability reports are available through Global File Transfer. The MDS transmits reports through Global File Transfer to processors at the end of each settlement day All reports except for SWCHD53, Exception Audit Report, are available through the MasterCard OnLine eService product accessible through MasterCard OnLine®. with access to MasterCard OnLine® can view the online MDS reports using their billing ICA. The online reports are available for viewing in eService for a period of 13 months from the original date of publication. The MDS presents all report data in ISO message format. This chapter lists ISO data element numbers next to the field names

©2006 MasterCard MDS Settlement and Reports • October 2006

3-1

Reports Overview

The MDS generates the following reports for issuer and acquirer processing systems. Table 3.2—MDS Daily Reports Number

Report Name

Report Type

MS1100BB a

Daily Processor Up Time Report (Settlement Date)

Processor Availability

MS1100DD a

Daily Processor Up Time Report (Calendar Date)

Processor Availability

MS1101BB a

Month-to-Date Report

Processor Availability

SWCHD15-X

Financial Institution Table Report (FIT)

Statistical

SWCHD35

Institution Definition File (IDF)

Statistical

SWCHD53 c

Exception Audit Report

Detail Activity

SWCHD55

Detailed Suspect Items Report

Detail Activity

SWCHD57/ SWCHD108

Transaction Audit Report (These reports are obsolete

Detail Activity

but can be requested until April 2007)

SWCHD61

Daily Processing Summary Report

Statistical

SWCHD73 b

Monthly Availability Report

Statistical

SWCHD118

Retrieval Request/Fulfillment Report

Detail Activity

SWCHD127-1

Daily Cardholder Performance Report

Statistical

SWCHD127-2

Daily Cardholder Performance Variance Report

Statistical

SWCHD141-1

File Updates

Detail Activity

SWCHD141-2

Management File Updates

Detail Activity

SWCHD141-3

Recurring Payment Cancellation Service

Detail Activity

SWCHD143

Maestro® POS Daily Processing Summary

Statistical

SWCHD144

Maestro POS Transaction Audit Report

Detail Activity

SWCHD147-1

Negative File Updates

Detail Activity

SWCHD147-2

VIP File Updates

Detail Activity

SWCHD149

Stand-In Transaction Audit Report

Detail Activity (Stand-In)

SWCHD320-1

Daily Processor Performance Report

Statistical

SWCHD321-1

Processor Peak Performance Report

Statistical

SWCHD321-2

Processor Daily Summary Performance Report

Statistical

SWCHD363

Daily Control Report

Settlement

SWCHD412

Daily Interchange Report

Settlement

3-2

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Oct 2006 Oct 2006

Oct 2006

Reports Overview

Number

Report Name

Report Type

SWCHD586

Debit MasterCard Inbound/Outbound Fee

Settlement

a

Processor Availability reports are not available through Global File Transfer.

b

Reports produced daily with month-to-date totals

c

SWCHD53 is not available via the MasterCard OnLine eService product.

Oct 2006

Table 3.3—MDS Monthly Reports Number

Report Name

Report Type

MS1101AA a

Monthly Processor Up Time Report

Processor Availability

SWCHM03 b

Transaction Interchange Month-to-Date

Statistical

SWCHM06 b

Month-to-Date Processing Summary Report

Statistical

SWCHM07 b

Month-to-Date Denial Summary Report

Statistical

SWCHM363

Monthly Control Report

Settlement

SWCHM412

Monthly Interchange Report

Settlement

a

Processor Availability reports are not available through Global File Transfer.

b

Reports produced daily with month-to-date totals.

©2006 MasterCard MDS Settlement and Reports • October 2006

Oct 2006

Oct 2006

3-3

Reports Settlement Reports

Settlement Reports The MDS produces settlement reports daily to assist processors in reviewing and reconciling the exchange of funds that has occurred each day through the MDS settlement process. Table 3.4 lists the MDS Settlement reports name and purpose by report number. Table 3.4—MDS Settlement Reports

3-4

Number

Name

Purpose

SWCHD363

Daily Control Report

The MDS generates this report in the acquirer or issuer processor’s designated settlement currency to validate the processor’s daily net settlement position to the processor’s settlement .

SWCHM363

Monthly Control Report

The MDS generates this report to validate the processor’s monthly net settlement position to the processor’s settlement .

SWCHD412

Daily Interchange Report

This report assists with the reconciliation process by providing enhanced fee reporting.

SWCHM412

Monthly Interchange Report

This report assists with the reconciliation process by providing enhanced fee reporting.

SWCHD586

Debit MasterCard Inbound/ Outbound Fee

Debit MasterCard processors can use this report to track and monitor miscellaneous inbound and outbound fees incurred through the submission of various fee collection messages.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Daily Control Report—SWCHD363 Purpose:

The MDS generates this report in the acquirer or issuer processor’s designated settlement currency to validate the processor’s daily net settlement position to the processor’s settlement .

Description:

This report provides summary detail in the designated settlement currency of the acquirer or issuer processor.

Oct 2006

It is produced by transaction type within product type and includes the following transaction information: •

financial counts for approved and denied,

•

financial amount of transaction,

•

financial and non-financial counts and amounts for interchange fee categories, and

•

counts and total amounts for exception items by product.

A Net Settlement Summary page lists the net settlement of transactions, exception items and interchange fees separated by debit, credit, and net for both the acquirer and the issuer. It also provides a final combined net settlement disposition for the Automated Clearing House System (ACH) and the Global Clearing Management System (GCMS). ISIS transactions are detailed on this report. The ISIS Agreement Number and Settlement Service information are included in the header to identify ISIS transaction information. Pages break by currency type within processor, and then by Routing and Transit number (Institution ID) within processor if the processor participates in member level settlement. This report is based upon activity. Therefore, if a transaction type has “0” activity, it is not reported. Refer to Table 3.5 for a description of the SWCHD363 report fields.

Note

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

There is also a month-end version of this report (Monthly Control Report— SWCHM363).

©2006 MasterCard MDS Settlement and Reports • October 2006

3-5

Reports Settlement Reports

Enhancements with this update:

Oct 2006

Effective with the MDS 06.3 Release, October 2006 the following enhancements have been made to the SWCHD363 Daily Control report. •

A separate line has been added to show cash disbursement transactions, designated by processing code 17 which is entered in DE 3, (Processing Code), subfield 1, (Cardholder Transaction Type). This new line displays under the “Debit MasterCard Auth”, “Debit MasterCard Clearing”, and “Grand Totals” columns.

•

A separate line has been added under the “Debit MasterCard Auth” column for Healthcare eligibility transactions. This line displays for both Acquiring and Issuing processors and lists the following totals:

•

−

Number Approved transactions

−

Number Denied transactions

−

Financial Total amount

−

Interchange Financial counts, (% Based, Non-Financials, non-billable)

−

Interchange Debit and Credit amounts

A separate Bin Number field has been added and appears under the Report Heading information and to the right of the Institution ID field. This new field contains the six-digit BIN and allows the ability to sort the report information by BIN, as well as processor ID and institution ID.

For additional information on these three enhancements, refer to the MDS Release 06.3 Document or your Customer Operations Services team representative. Table 3.5—SWCHD363 Fields Field

Description

Header Fields—Display at the top of all pages of the report PROCESSOR

The processor name.

PROCESSOR ID

The MDS assigned processor/member identification number.

INSTITUTION ID

The Routing and Transit number for the institution. This field is included only for processors that participate in member level settlement.

BIN NUMBER

Six-digit number that allows to sort the report number by a specific bank identification number.

3-6

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Field

Description

SETTLEMENT SERVICE

The Settlement Service agreed to by participating . The Settlement Service ID identifies a specific Settlement Service with a cutoff time agreed to by a participating member. Settlement Service IDs are listed below: •

000 MDS Default

•

001 Brazil ISIS

•

002 MDS Debit MasterCard

Settlement Service cutoff times are determined by the Interchange Type, ISIS Agreement Number, and the Product. A service may be in U.S. dollars, local currency, or intra-currency. This field is included only for ISIS activity detail. ISIS AGREEMENT NUMBER

The MDS assigned ISIS Agreement number.

CURRENCY

The currency selected by the acquirer or issuer processor as the currency of settlement. This field displays both the currency name and numeric code.

SETTLEMENT ICA

The unique 6-digit number assigned by MasterCard that identifies a member or processing endpoint for settlement.

This field is included only for ISIS activity detail.

Column Headings—Display across the page, just below the Header fields for both acquirers and issuers TRANSACTION DESCRIPTION

Transaction Type/ Type designation. Transaction types with all zeros are suppressed.

FINANCIAL

The number of approved and denied transactions by Processing Code within each product.

NUMBER APPROVED NUMBER DENIALS FINANCIAL AMOUNT TRANS

Total amount for cash withdrawals or purchases, or both, by Processing Code within each product.

INTERCHANGE COUNTS

Number of interchange fees debited or credited to a transaction.

NUMBER NUMBER NUMBER NUMBER

Number Number Number Number

FINANCIAL % BASED NONFIN NONBILL

of of of of

transactions with financial interchange fee. transactions with percentage based interchange fee. transactions with non-financial interchange fee. non-billable transactions.

INTERCHANGE AMOUNTS The total amount for transaction interchange fees separated by debits and credits. DEBITS CREDITS

©2006 MasterCard MDS Settlement and Reports • October 2006

3-7

Reports Settlement Reports

Field

Description

Total Fields—Display to the left of the page. All items under Column Headings total for these headings SUBTOTALS

Totals by each product for all transaction types with activity. This total is by financial and interchange categories (includes transaction counts, amounts, and interchange counts and amounts).

EXCEPTION ITEMS

Total counts and amounts of exception items processed by product, and the counts and amounts of fees debited or credited to a transaction because of an Exception Item. When the MDS reverses a transaction, it adjusts the full amount of the interchange fee from the financial to the non-financial amount.

TOTALS

Totals by each product for all transaction types with activity. This total is by all Financial, Interchange, and exception item categories.

GRAND TOTALS

Totals of all transactions by type for all products, financial counts and amounts, and interchange counts and amounts.

SUBTOTALS

Totals of all transactions for all products, financial counts and amounts, and interchange counts and amounts.

EXCEPTION ITEMS

Total number and amount of all exception items for all products, including Interchange.

TOTAL

Totals of all transactions including exception items.

Settlement Fields—Display to the left of the page of acquirer or issuer settlement information. Acquirer or issuer settlement information displays on a separate page of the report, but does not have a separate page title.

FINANCIAL SETTLEMENT

Total number and amount of financial transaction processed, separated into debits and credits.

EXCEPTION ITEMS

•

Total number and dollar amounts of exception items processed, separated into debits and credits.

•

Separate totals for Same Day (Code 09) and Non-Same Day exception items.

•

The MDS processes same day exception items online within the same settlement window as the original transaction.

•

All exception items processed via NICS™ are included in Non-Same Day exception item totals.

SETTLEMENT

Total of Same Day and Non-Same Day exception items.

TOTAL FINANCIAL SETTLEMENT

Total amount of Financial and exception item settlements.

TOTALS FEES SETTLEMENT

Total Net Fees associated with the transactions processed on the settlement date.

INTERCHANGE SETTLEMENT

Net result of the financial settlement, exception items, and total interchange fee settlement.

3-8

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Field

Description

ATM ACCESS CHARGE

Total of all ATM Access Fees. For reporting purposes only. This amount is included in the financial settlement.

SURCHARGE FREE ALLIANCE

Total of all ATM Surcharge Free Alliance Transactions. This information is only reported on the acquiring side of the transaction.

Net Settlement Summary Headings—Display to the left of the Net Settlement Summary page TOTAL CURRENCY CONVERSION ASSESSMENT

Total of all Currency Conversion Assessments included in the financial settlement.

ACQUIRER SETTLEMENT SUMMARY

Amounts for financial transactions, exception items, interchange fees, combined total separated by debits and credits providing acquirer net amount. When the net amount is a credit, the MDS displays a CR after the total.

ISSUER SETTLEMENT SUMMARY

Amounts for financial transactions, exception items, interchange fees, combined total separated by debits and credits providing the issuer net amount. When the net amount is a credit, the MDS displays CR after the total.

NET SETTLEMENT TOTAL

Net total amount of all acquiring and issuing activity.

NET SETTLEMENT (ACH)

Amount of the combined settlement net totals from the Acquirers Settlement Summary and the Issuers Settlement Summary. The final net total of both represents the ACH settlement position. When the net amount is a credit, the MDS displays CR after the total.

NET SETTLEMENT (GCMS)

Amount of the combined settlement net totals from the Acquirers Settlement Summary and the Issuers Settlement Summary. These amounts represent the GCMS settlement position.

GCMS Headings—Display across the page, next to the Net Settlement (GCMS) heading at the bottom of the Net Settlement Summary page. NETACQ

Amounts for financial transactions, exception items, and combined total separated by debits and credits providing acquirer net amount for the GCMS settlement position.

FEEACQ

Acquirer interchange fees associated with the transactions processed on the settlement date.

NETISS

Amounts for financial transactions, exception items, and combined total separated by debits and credits providing the issuer net amount for the GCMS settlement position.

FEEISS

Issuer interchange fees associated with the transactions processed on the settlement date.

ICA

The unique 6-digit number assigned by MasterCard that identifies a member or processing endpoint for settlement. A member can be a processor, institution, or both. Applies to GCMS settlement data only. Displays below the Net Settlement (GCMS) field.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-9

Oct 2006

3-10

: : : : : TRANSACTIONS NUMBER NUMBER APPROVED DENIALS

TEST BANK 9000009999 0000009999 TEST CITY BANK 840 U.S. Dollar 001111 FINANCIAL AMOUNT TRANS

WORK OF: 09/01/06 PAGE: 1

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

MAESTRO POS PURCHASE 12 7 733.89 0 10 9 0 4.78 0.00 PRE-AUTH 2 0 92.19 0 2 0 0 0.60 0.00 REFUND 1 3 80.00 DB 0 1 3 0 0.00 0.52 ECOM CERT SAV 0 2 0.00 0 0 2 0 0.98 0.00 ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00 ECOM CERT CCD 0 2 0.00 0 0 2 0 0.98 0.00 ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00 PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 9.51 0.00 PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 1.00 0.00 REFUND - DM W/PIN 1 0 10.00 DB 0 1 0 0 0.00 0.23 -------------------------------------------------------------------------------------------------------------------------------TOTALS 27 22 1,318.08 0 24 25 0 17.85 0.75

MASTERCARD CASH WD SAV 0 2 0.00 0 0 2 0 0.00 0.50 CASH WD DDA 0 1 0.00 0 0 1 0 0.00 0.25 CASH ADV CCD 0 8 0.00 0 0 8 0 0.00 1.50 BALANCE INQ 0 6 0.00 0 0 6 0 0.00 1.50 -------------------------------------------------------------------------------------------------------------------------------TOTALS 0 17 0.00 0 0 17 0 0.00 3.75

EXCEPTION ITEMS 3 0 32.39 CR 3 0 0 0 0.00 1.25 -------------------------------------------------------------------------------------------------------------------------------TOTALS 42 32 2,743.43 22 0 52 0 0.00 31.75

CIRRUS CASH WD SAV 9 6 563.93 6 0 9 0 0.00 8.25 CASH WD DDA 6 3 37.37 4 0 5 0 0.00 4.75 CASH ADV CCD 5 3 755.70 4 0 4 0 0.00 5.25 CASH WD NAS 6 3 1,354.04 5 0 4 0 0.00 5.00 TRANSFER SAV/DDA 3 6 0.00 0 0 9 0 0.00 2.25 TRANSFER DDA/SAV 2 2 0.00 0 0 4 0 0.00 1.00 BALANCE INQ 8 9 0.00 0 0 17 0 0.00 4.00 -------------------------------------------------------------------------------------------------------------------------------SUBTOTALS 39 32 2,711.04 19 0 52 0 0.00 30.50

DESCRIPTION

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

Reports

Settlement Reports

Figure 3.1—SWCHD363 Daily Control Report (1 of 9)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : : TRANSACTIONS NUMBER NUMBER APPROVED DENIALS

TEST BANK 9000009999 0000009999 TEST CITY BANK 840 U.S. Dollar 001111 FINANCIAL AMOUNT TRANS

WORK OF: 09/01/06 PAGE: 2

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

©2006 MasterCard MDS Settlement and Reports • October 2006

EXCEPTION ITEMS 1 0 14.00 CR 1 0 0 0 0.00 0.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 15 9 613.61 6 0 18 0 0.00 10.40

PLUS CASH WD SAV 1 1 10.00 1 0 1 0 0.00 1.30 CASH WD DDA 2 1 273.52 2 0 1 0 0.00 2.30 CASH ADV CCD 2 1 49.99 1 0 2 0 0.00 1.60 CASH WD NAS 2 1 266.10 1 0 2 0 0.00 1.60 TRANSFER SAV/DDA 1 1 0.00 0 0 2 0 0.00 0.60 TRANSFER DDA/SAV 2 0 0.00 0 0 2 0 0.00 0.60 BALANCE INQ 4 4 0.00 0 0 8 0 0.00 2.40 -------------------------------------------------------------------------------------------------------------------------------SUBTOTALS 14 9 599.61 5 0 18 0 0.00 10.40

MAESTRO PAYMENT SAV 1 1 100.00 DB 0 1 1 0 0.50 0.00 PAYMENT NAS 1 0 10.10 DB 0 1 0 0 0.05 0.00 REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.32 0.00 REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.45 0.00 REMOTE PAY CCD 1 0 78.46 1 0 0 0 0.00 0.00 REMOTE PAY NAS 1 0 133.05 1 0 0 0 0.00 0.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 6 1 163.41 2 4 1 0 1.32 0.00

MAESTRO ATM CASH WD SAV 2 2 275.58 2 0 2 0 0.00 2.25 CASH WD DDA 0 2 0.00 0 0 2 0 0.00 0.50 CASH ADV CCD 2 2 677.25 2 0 2 0 0.00 2.25 CASH WD NAS 0 4 0.00 0 0 4 0 0.00 1.00 TRANSFER SAV/DDA 0 2 0.00 0 0 2 0 0.00 0.50 TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.00 0.50 BALANCE INQ 7 8 0.00 0 0 15 0 0.00 2.75 -------------------------------------------------------------------------------------------------------------------------------TOTALS 12 21 952.83 4 0 29 0 0.00 9.75

DESCRIPTION

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

Settlement Reports

Reports

Figure 3.2—SWCHD363 Daily Control Report (2 of 9)—Acquiring Processor Oct 2006

3-11

3-12

: : : : : TRANSACTIONS NUMBER NUMBER APPROVED DENIALS

TEST BANK 9000009999 0000099999 TEST CITY BANK 840 U.S. Dollar 001111 FINANCIAL AMOUNT TRANS

WORK OF: 09/01/06 PAGE: 3

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

EXCEPTION ITEMS 4 0 46.39 CR 4 0 0 0 0.00 1.25 -------------------------------------------------------------------------------------------------------------------------------TOTALS 102 102 5,791.36 34 28 142 0 19.17 56.40

GRAND TOTALS: PURCHASE 12 7 733.89 0 10 9 0 4.78 0.00 PRE-AUTH 2 0 92.19 0 2 0 0 0.60 0.00 REFUND 1 3 80.00 DB 0 1 3 0 0.00 0.52 CASH WD SAV 12 11 849.51 9 0 14 0 0.00 12.30 CASH WD DDA 8 7 310.89 6 0 9 0 0.00 7.80 CASH ADV CCD 9 14 1,482.94 7 0 16 0 0.00 10.60 CASH WD NAS 8 8 1,620.14 6 0 10 0 0.00 7.60 TRANSFER SAV/DDA 4 9 0.00 0 0 13 0 0.00 3.35 TRANSFER DDA/SAV 5 3 0.00 0 0 8 0 0.00 2.10 BALANCE INQ 19 27 0.00 0 0 46 0 0.00 10.65 ECOM CERT SAV 0 2 0.00 0 0 2 0 0.98 0.00 ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00 ECOM CERT CCD 0 2 0.00 0 0 2 0 0.98 0.00 ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00 PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 9.51 0.00 PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 1.00 0.00 REFUND - DM W/PIN 1 0 10.00 DB 0 1 0 0 0.00 0.23 PAYMENT SAV 1 1 100.00 DB 0 1 1 0 0.50 0.00 PAYMENT NAS 1 0 10.10 DB 0 1 0 0 0.05 0.00 REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.32 0.00 REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.45 0.00 REMOTE PAY CCD 1 0 78.46 1 0 0 0 0.00 0.00 REMOTE PAY NAS 1 0 133.05 1 0 0 0 0.00 0.00 -------------------------------------------------------------------------------------------------------------------------------SUBTOTALS 98 102 5,744.97 30 28 142 0 19.17 55.15

DESCRIPTION

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

Reports

Settlement Reports

Figure 3.3—SWCHD363 Daily Control Report (3 of 9)—Acquiring Processor Oct 2006

©2006 MasterCard October 2006 • MDS Settlement and Reports

: 840

: 001111

CURRENCY

SETTLEMENT ICA

©2006 MasterCard MDS Settlement and Reports • October 2006 1

SETTLEMENT

0 0

ATM ACCESS CHARGE

SURCHARGE FREE

SETTLEMENT

INTERCHANGE

SETTLEMENT

TOTAL FEES

TOTAL FINANCIAL SETTLEMENT

1 0

NON-SAME DAY

13

SAME DAY (CODE 09)

EXCEPTION ITEMS

SETTLEMENT

FINANCIAL

NUMBER

DEBITS

: 0000009999 TEST CITY BANK

INSTITUTION ID

DESCRIPTION

: 9000009999

PROCESSOR ID U.S. Dollar

: TEST BANK

PROCESSOR

SWCHD363

0.00

19.17

19.61

0.00

19.61

200.10

AMOUNT

0

3

0

3

75

NUMBER

BIN NUMBER ; 999999

CREDITS AMOUNT

0.00

5,828.59

56.40

5,791.36

66.00

0.00

66.00

5,945.07

PAGE:

ACQUIRING PROCESSOR

4

WORK OF: 09/01/06

DAILY CONTROL REPORT

MASTERCARD DEBIT SWITCH

Settlement Reports

Reports

Figure 3.4—SWCHD363 Daily Control Report (4 of 9)—Acquiring Processor Oct 2006

3-13

3-14

: : : : :

ICA: 001111

NET SETTLEMENT (GCMS)

NET SETTLEMENT TOTAL NET SETTLEMENT (ACH)

ISSUER SETTLEMENT SUMMARY TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ISSUER

TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ACQUIRER

11,889.78CR

NETACQ

DEBIT 0.00 0.00 0.00 0.00

0.00 124.11 1.00 125.11

DEBIT

TEST BANK 9000009999 0000009999 TEST CITY BANK 840 U.S. Dollar 001111

ACQUIRER SETTLEMENT SUMMARY

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

120.75CR

FEEACQ 0.00

NETISS

CREDIT 0.00 0.00 0.00 0.00

12,013.89 0.00 121.75 12,135.64

CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT NET SETTLEMENT SUMMARY

0.00

FEEISS

12,010.53CR

NET 0.00 0.00 0.00 0.00

12,013.89CR 124.11 120.75CR 12,010.53CR

NET

WORK OF: 09/01/06 PAGE: 4

Reports

Settlement Reports

Figure 3.5—SWCHD363 Daily Control Report (5 of 9)—Net Settlement Summary Oct 2006

©2006 MasterCard October 2006 • MDS Settlement and Reports

: : : : :

COMMERCIAL TEST BANK 9000008888 0000099999 TEST CITY BANK 840 U.S. Dollar 009999 TRANSACTIONS NUMBER NUMBER APPROVED DENIALS FINANCIAL AMOUNT TRANS

WORK OF: 09/01/06 PAGE: 1

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ISSUING PROCESSOR

©2006 MasterCard MDS Settlement and Reports • October 2006

MAESTRO ATM CASH WD SAV 2 2 278.24 2 0 2 0 2.25 0.00 CASH WD DDA 0 2 0.00 0 0 2 0 0.50 0.00 CASH ADV CCD 2 2 683.90 2 0 2 0 2.25 0.00 CASH WD NAS 0 4 0.00 0 0 4 0 1.00 0.00 TRANSFER SAV/DDA 0 2 0.00 0 0 2 0 0.50 0.00 TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.50 0.00 BALANCE INQ 6 7 0.00 0 0 13 0 2.50 0.00 ------------------------------------------------------------------------------------------------------------------------------TOTALS 11 20 962.14 4 0 27 0 9.50 0.00

EXCEPTION ITEMS 2 0 22.84 DB 2 0 0 0 0.25 0.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 27 17 2,624.49 14 0 30 0 16.50 0.00 MAESTRO POS PURCHASE 4 1 552.98 0 3 2 0 0.00 3.21 REFUND 0 2 0.00 0 0 2 0 0.00 0.00 ECOM CERT SAV 0 2 0.00 0 0 2 0 0.00 0.98 ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00 ECOM CERT CCD 0 2 0.00 0 0 2 0 0.00 0.98 ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00 PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 0.00 9.51 PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 0.00 1.00 REFUND - DM W/PIN 1 0 10.00 CR 0 1 0 0 0.23 0.00 ------------------------------------------------------------------------------------------------------------------------------TOTALS 16 15 1,124.98 0 14 17 0 0.23 15.68

CIRRUS CASH WD SAV 6 3 317.13 3 0 6 0 3.75 0.00 CASH WD DDA 4 2 21.00 2 0 4 0 2.00 0.00 CASH ADV CCD 3 3 816.02 3 0 3 0 3.75 0.00 CASH WD NAS 5 2 1,447.50 4 0 3 0 3.50 0.00 TRANSFER SAV/DDA 2 1 0.00 0 0 3 0 0.75 0.00 TRANSFER DDA/SAV 1 1 0.00 0 0 2 0 0.50 0.00 BALANCE INQ 4 5 0.00 0 0 9 0 2.00 0.00 -------------------------------------------------------------------------------------------------------------------------------SUBTOTALS 25 17 2,601.65 12 0 30 0 16.25 0.00

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA DESCRIPTION

SWCHD363

Settlement Reports

Reports

Figure 3.6—SWCHD363 Daily Control Report (6 of 9)—Issuing Processor Oct 2006

3-15

3-16

: : : : :

COMMERCIAL TEST BANK 9000008888 0000099999 TEST CITY BANK 840 U.S. Dollar 009999 TRANSACTIONS NUMBER NUMBER APPROVED DENIALS FINANCIAL AMOUNT TRANS

WORK OF: 09/01/06 PAGE 2

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ISSUING PROCESSOR

MAESTRO PAYMENT SAV 1 1 100.00 CR 0 1 1 0 0.00 0.50 PAYMENT NAS 1 0 10.10 CR 0 1 0 0 0.00 0.05 REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.00 0.32 REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.00 0.45 REMOTE PAY CCD 1 0 87.91 1 0 0 0 0.00 0.00 REMOTE PAY NAS 1 0 149.08 1 0 0 0 0.00 0.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 6 1 188.89 2 4 1 0 0.00 1.32 GRAND TOTALS: PURCHASE 4 1 552.98 0 3 2 0 0.00 3.21 REFUND 0 2 0.00 0 0 2 0 0.00 0.00 CASH WD SAV 8 5 595.37 5 0 8 0 6.00 0.00 CASH WD DDA 4 4 21.00 2 0 6 0 2.50 0.00 CASH ADV CCD 5 5 1,499.92 5 0 5 0 6.00 0.00 CASH WD NAS 5 6 1,447.50 4 0 7 0 4.50 0.00 TRANSFER SAV/DDA 2 3 0.00 0 0 5 0 1.25 0.00 TRANSFER DDA/SAV 2 2 0.00 0 0 4 0 1.00 0.00 BALANCE INQ 10 12 0.00 0 0 22 0 4.50 0.00 ECOM CERT SAV 0 2 0.00 0 0 2 0 0.00 0.98 ECOM CERT DDA 0 1 0.00 0 0 1 0 0.00 0.00 ECOM CERT CCD 0 2 0.00 0 0 2 0 0.00 0.98 ECOM CERT NAS 0 2 0.00 0 0 2 0 0.00 0.00 PURCHASE-DM W/PIN 9 5 463.00 0 8 6 0 0.00 9.51 PRE-AUTH-DM W/PIN 2 0 119.00 0 2 0 0 0.00 1.00 REFUND - DM W/PIN 1 0 10.00 CR 0 1 0 0 0.23 0.00 PAYMENT SAV 1 1 100.00 CR 0 1 1 0 0.00 0.50 PAYMENT NAS 1 0 10.10 CR 0 1 0 0 0.00 0.05 REMOTE PAY SAV 1 0 22.00 0 1 0 0 0.00 0.32 REMOTE PAY DDA 1 0 40.00 0 1 0 0 0.00 0.45 REMOTE PAY CCD 1 0 87.91 1 0 0 0 0.00 0.00 REMOTE PAY NAS 1 0 149.08 1 0 0 0 0.00 0.00 -------------------------------------------------------------------------------------------------------------------------------SUBTOTALS 58 53 4,877.66 18 18 75 0 25.98 17.00 EXCEPTION ITEMS 2 0 22.84 DB 2 0 0 0 0.25 0.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 60 53 4,900.50 20 18 75 0 26.23 17.00

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA DESCRIPTION

SWCHD363

Reports

Settlement Reports

Figure 3.7—SWCHD363 Daily Control Report (7 of 9)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: 0000009999

: 840

: 004567

INSTITUTION ID

CURRENCY

SETTLEMENT ICA

©2006 MasterCard MDS Settlement and Reports • October 2006

SURCHARGE FREE

ATM ACCESS CHARGE

SETTLEMENT

INTERCHANGE

SETTLEMENT

TOTAL FEES

0

62

93.00

9.88

0.00

0

TOTAL FINANCIAL SETTLEMENT

SETTLEMENT

0.00

0

0.00

437.00

AMOUNT

0

DEBITS

NON-SAME DAY

17

NUMBER

0

0

0

0

28

NUMBER

BIN NUMBER : 999999

CREDITS AMOUNT

0.00

336.62

5.50

341.00

0.00

0.00

0.00

778.00

PAGE:

ACQUIRING PROCESSOR

3

WORK OF: 09/01/06

DAILY CONTROL REPORT

MASTERCARD DEBIT SWITCH

SAME DAY (CODE 09)

EXCEPTION ITEMS

SETTLEMENT

FINANCIAL

DESCRIPTION

: 9999999999

PROCESSOR ID U.S. Dollar

: TEST ACQ

PROCESSOR

SWCHD363

Settlement Reports

Reports

Figure 3.8—SWCHD363 Daily Control Report (8 of 9)—Acquiring Processor Oct 2006

3-17

3-18

: : : : :

ICA: 009999

NET SETTLEMENT (GCMS)

NET SETTLEMENT TOTAL NET SETTLEMENT (ACH)

ISSUER SETTLEMENT SUMMARY TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ISSUER

TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ACQUIRER

0.00

NETACQ

DEBIT 1,887,153.11 153.49 10,415.50 1,897,722.10

0.00 0.00 0.00 0.00

DEBIT

COMMERCIAL TEST BANK 9000009999 0000099999 TEST CITY BANK 840 U.S. Dollar 009999

ACQUIRER SETTLEMENT SUMMARY

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

0.00

FEEACQ 1,886,995.39

NETISS

CREDIT 0.00 311.21 1.00 312.21

0.00 0.00 0.00 0.00

CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT NET SETTLEMENT SUMMARY

10,414.50

FEEISS

1,897,409.89

NET 1,887,153.11 157.72CR 10,414.50 1,897,409.89

0.00 0.00 0.00 0.00

NET

WORK OF: 09/01/06 PAGE: 5

Reports

Settlement Reports

Figure 3.9—SWCHD363 Daily Control Report (9 of 9)—Net Settlement Summary

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Daily Control Report—SWCHD363—ISIS Transactions The following pages provide an example of the Daily Control Report— SWCHD363 with ISIS transactions detailed on the report. The ISIS Agreement Number and Settlement Service information are included in the header to identify ISIS transaction information.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-19

3-20

: : : : : : :

TRANSACTIONS NUMBER NUMBER APPROVED DENIALS

TEST PROCESSOR 1 9000009999 000 C702 0000099999 TEST CITY BANK 702 Singapore Dollar 009999 FINANCIAL AMOUNT TRANS

COUNTRY: 702

WORK OF: 09/01/06 PAGE: 47

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

GRAND TOTALS: CASH WD SAV 10 4 4,000.00 10 0 4 0 0.00 18.20 CASH WD DDA 13 3 8,600.00 13 0 3 0 0.00 23.00 CASH ADV CCD 7 4 3,600.00 7 0 4 0 0.00 13.10 BALANCE INQ 11 8 0.00 0 0 19 0 0.00 5.70 -------------------------------------------------------------------------------------------------------------------------------TOTALS 41 19 16,200.00 30 0 30 0 0.00 60.00

MAESTRO ATM CASH WD SAV 3 2 1,200.00 3 0 2 0 0.00 5.70 CASH WD DDA 4 0 3,600.00 4 0 0 0 0.00 6.80 BALANCE INQ 6 3 0.00 0 0 9 0 0.00 2.70 -------------------------------------------------------------------------------------------------------------------------------TOTALS 13 5 4,800.00 7 0 11 0 0.00 15.20

MASTERCARD CASH WD DDA 1 0 1,000.00 1 0 0 0 0.00 1.70 CASH ADV CCD 1 0 1,000.00 1 0 0 0 0.00 1.70 BALANCE INQ 1 0 0.00 0 0 1 0 0.00 0.30 -------------------------------------------------------------------------------------------------------------------------------TOTALS 3 0 2,000.00 2 0 1 0 0.00 3.70

CIRRUS CASH WD SAV 7 2 2,800.00 7 0 2 0 0.00 12.50 CASH WD DDA 8 3 4,000.00 8 0 3 0 0.00 14.50 CASH ADV CCD 6 4 2,600.00 6 0 4 0 0.00 11.40 BALANCE INQ 4 5 0.00 0 0 9 0 0.00 2.70 -------------------------------------------------------------------------------------------------------------------------------TOTALS 25 14 9,400.00 21 0 18 0 0.00 41.10

DESCRIPTION

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

Reports

Settlement Reports

Figure 3.10—SWCHD363 Daily Control Report—ISIS Transactions (1 of 5)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : : : :

©2006 MasterCard MDS Settlement and Reports • October 2006

ATM ACCESS CHARGE SURCHARGE FREE

TOTAL FEES SETTLEMENT INTERCHANGE SETTLEMENT 0 0

0 0 0

0

NUMBER

DEBITS

TEST PROCESSOR 1 9000009999 000 C702 0000099999 TEST CITY BANK 702 Singapore Dollar 009999

EXCEPTION ITEMS SAME DAY (CODE 09) NON-SAME DAY SETTLEMENT TOTAL FINANCIAL SETTLEMENT

FINANCIAL SETTLEMENT

DESCRIPTION

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

0.00

0.00

0.00 0.00 0.00

0.00

AMOUNT

0

0 0 0

30

NUMBER

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

CREDITS

0.00

16,260.00

60.00

0.00 0.00 0.00 16,200.00

16,200.00

AMOUNT

COUNTRY: 702

WORK OF: 09/01/06 PAGE: 48

Settlement Reports

Reports

Figure 3.11—SWCHD363 Daily Control Report—ISIS Transactions (2 of 5)—Acquiring Processor Oct 2006

3-21

3-22 : 9000009999

PROCESSOR ID

49 4 38

CASH ADV CCD

BALANCE INQ

3

4

3

11

6,400.00

TRANS

AMOUNT

FINANCIAL

0.00

2,350.00 0

4

49

27

FINANCIAL

0

0

0

0

% BASED

42

3

11

3

NONFIN

0

0

0

0

NONBILL

--------------- COUNTS ----------------

12.60

7.70

86.60

46.80

DEBIT

0.00

0.00

0.00

0.00

CREDIT

--------- AMOUNTS ----------

---------------------------- INTERCHANGE ----------------------------

BIN NUMBER : 999999

PAGE:

49

WORK OF: 09/01/06

ISSUING PROCESSOR

COUNTRY: 702

DAILY CONTROL REPORT

MASTERCARD DEBIT SWITCH

49 4 38

CASH ADV CCD

BALANCE INQ

4

3

11

3

21

0.00

2,350.00

19,440.00

6,400.00

28,190.00

0

4

49

27

80

0

0

0

0

0

42

3

11

3

59

0

0

0

0

0

12.60

7.70

86.60

46.80

153.70

0.00

0.00

0.00

0.00

0.00

TOTALS

118

21

28,190.00

80

0

59

0

153.70

0.00

--------------------------------------------------------------------------------------------------------------------------------

27

CASH WD DDA

118

CASH WD SAV

GRAND TOTALS:

TOTALS

--------------------------------------------------------------------------------------------------------------------------------

27

CASH WD DDA

DENIALS

APPROVED

CASH WD SAV

CIRRUS

NUMBER

TRANSACTIONS NUMBER

19,440.00

: 009999

SETTLEMENT ICA

DESCRIPTION

: 702

CURRENCY

Singapore Dollar

: 0000099999 TEST CITY BANK

INSTITUTION ID

ISIS AGREEMENT NBR : C702

SETTLEMENT SERVICE : 000

: TEST PROCESSOR 1

PROCESSOR

SWCHD363

Reports

Settlement Reports

Figure 3.12—SWCHD363 Daily Control Report—ISIS Transactions (3 of 5)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: 840

: 000000

CURRENCY

SETTLEMENT ICA

©2006 MasterCard MDS Settlement and Reports • October 2006 0

0.00

TOTAL ICCR

SURCHARGE FREE

0.00

93.00

336.62

5.50

TOTAL CCA

ATM ACCESS CHARGE

SETTLEMENT

INTERCHANGE

SETTLEMENT

TOTAL FEES

62

0.00 341.00

0

TOTAL FINANCIAL SETTLEMENT

SETTLEMENT

0.00

0 0

0.00

778.00

NON-SAME DAY

28

AMOUNT

0

0

0

0

17

NUMBER

BIN NUMBER : 999999

CREDITS AMOUNT

0.00

0.00

0.00

9.88

0.00

0.00

0.00

437.00

PAGE:

ISSUING PROCESSOR

4

WORK OF: 09/01/06

DAILY CONTROL REPORT

MASTERCARD DEBIT SWITCH

SAME DAY (CODE 09)

EXCEPTION ITEMS

SETTLEMENT

FINANCIAL

NUMBER

DEBITS

: 0000099999 TEST CITY BANK

INSTITUTION ID

DESCRIPTION

: 9999999999

PROCESSOR ID U.S. Dollar

: TEST ISSUER

PROCESSOR

SWCHD363

Settlement Reports

Reports

Figure 3.13—SWCHD363 Daily Control Report—ISIS Transactions (4 of 5)—Issuing Processor Oct 2006

3-23

3-24

: : : : : : :

ICA: 009999

NET SETTLEMENT (GCMS)

NET SETTLEMENT TOTAL NET SETTLEMENT (ACH)

ISSUER SETTLEMENT SUMMARY TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ISSUER

TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES TOTAL ACQUIRER

93,750.00CR

NETACQ

DEBIT 48,140.00 0.00 259.70 48,399.70

0.00 0.00 0.00 0.00

DEBIT

TEST PROCESSOR 1 9000009999 000 C702 0000099999 TEST CITY BANK 702 Singapore Dollar 009999

ACQUIRER SETTLEMENT SUMMARY

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD363

493.70CR

FEEACQ 48,140.00

NETISS

CREDIT 0.00 0.00 0.00 0.00

93,750.00 0.00 493.70 94,243.70

CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT NET SETTLEMENT SUMMARY

259.70

FEEISS

COUNTRY: 702

45,844.00CR

NET 48,140.00 0.00 259.70 48,399.70

93,750.00CR 0.00 493.70CR 94,243.70CR

NET

WORK OF: 09/01/06 PAGE: 10

Reports

Settlement Reports

Figure 3.14—SWCHD363 Daily Control Report—ISIS Transactions (5 of 5)—Net Settlement Summary

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Daily Control Report—SWCHD363—Institution Level Transactions The following pages provide an example of the Daily Control Report— SWCHD363 with Institution Level transactions detailed on the report. This report will page break by currency type within processor, and then by Routing and Transit number within processor if the processor participates in member level settlement.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-25

3-26

: : : : :

TEST BANK 9000009999 1000022222 TEST CITY BANK 840 U.S. Dollar 009999 TRANSACTIONS NUMBER NUMBER APPROVED DENIALS FINANCIAL AMOUNT TRANS

WORK OF: 09/01 /06 PAGE: 3

---------------------------- INTERCHANGE ------------------------------------------ COUNTS ---------------- --------- AMOUNTS ---------FINANCIAL % BASED NONFIN NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT ACQUIRING PROCESSOR

GRAND TOTALS: CASH WD SAV 0 1 0.00 0 0 1 0 0.00 0.25 CASH WD DDA 1 1 470.28 1 0 1 0 0.00 1.50 CASH ADV CCD 2 1 783.80 2 0 1 0 0.00 2.50 CASH WD NAS 1 5 313.52 1 0 5 0 0.00 2.50 -------------------------------------------------------------------------------------------------------------------------------TOTALS 4 8 1,567.60 4 0 8 0 0.00 6.75

MAESTRO ATM CASH WD NAS 0 2 0.00 0 0 2 0 0.00 0.50 -------------------------------------------------------------------------------------------------------------------------------TOTALS 0 2 0.00 0 0 2 0 0.00 0.50

MASTERCARD CASH ADV CCD 1 0 156.76 1 0 0 0 0.00 1.25 -------------------------------------------------------------------------------------------------------------------------------TOTALS 1 0 156.76 1 0 0 0 0.00 1.25

CIRRUS CASH WD SAV 0 1 0.00 0 0 1 0 0.00 0.25 CASH WD DDA 1 1 470.28 1 0 1 0 0.00 1.50 CASH ADV CCD 1 1 627.04 1 0 1 0 0.00 1.25 CASH WD NAS 1 3 313.52 1 0 3 0 0.00 2.00 -------------------------------------------------------------------------------------------------------------------------------TOTALS 3 6 1,410.84 3 0 6 0 0.00 5.00

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA DESCRIPTION

SWCHD363

Reports

Settlement Reports

Figure 3.15—SWCHD363 Daily Control Report—Institution Level Trans (1 of 3)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: 0000099999 TEST CITY BANK

: 840

: 009999

INSTITUTION ID

CURRENCY

SETTLEMENT ICA

©2006 MasterCard MDS Settlement and Reports • October 2006 0 0

ATM ACCESS CHARGE

SURCHARGE FREE

SETTLEMENT

INTERCHANGE

SETTLEMENT

TOTAL FEES

0.00

0.00

0.00

0

TOTAL FINANCIAL SETTLEMENT

SETTLEMENT

0.00

0 0

0.00

0.00

NON-SAME DAY

0

AMOUNT

0

0

0

0

4

NUMBER

BIN NUMBER : 999999

CREDITS AMOUNT

0.00

1,574.35

6.75

1,567.60

0.00

0.00

0.00

1,567.60

PAGE:

ACQUIRING PROCESSOR

4

WORK OF: 09/01/06

DAILY CONTROL REPORT

MASTERCARD DEBIT SWITCH

SAME DAY (CODE 09)

EXCEPTION ITEMS

SETTLEMENT

FINANCIAL

NUMBER

DEBITS

: 1000022222 TEST CITY BANK

INSTITUTION ID

DESCRIPTION

: 9000009999

PROCESSOR ID

U.S. Dollar

: TEST BANK

PROCESSOR

SWCHD363

Settlement Reports

Reports

Figure 3.16—SWCHD363 Daily Control Report—Institution Level Trans (2 of 3)—Acquiring Processor

3-27

Oct 2006

3-28

ICA: 009999

NET SETTLEMENT (GCMS)

NET SETTLEMENT TOTAL NET SETTLEMENT (ACH)

TOTAL ISSUER

TRANSACTIONS EXCEPTION ITEMS INTERCHANGE FEES

ISSUER SETTLEMENT SUMMARY

0.00

0.00 0.00 0.00

DEBIT

0.00

EXCEPTION ITEMS INTERCHANGE FEES

TOTAL ACQUIRER

0.00 0.00 0.00

TRANSACTIONS

NETACQ

: 840 U.S. Dollar : 009999

CURRENCY SETTLEMENT ICA DEBIT

: 9000009999 : 1000022222 TEST CITY BANK : 0000099999 TEST CITY BANK

PROCESSOR ID INSTITUTION ID INSTITUTION ID

ACQUIRER SETTLEMENT SUMMARY

: TEST BANK

PROCESSOR

SWCHD363

FEEACQ

NETISS

0.00

0.00 0.00 0.00

CREDIT

4,647.80

0.00 48.25

4,599.55

CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY CONTROL REPORT NET SETTLEMENT SUMMARY

FEEISS

4,647.80CR 4,647.80CR

0.00

0.00 0.00 0.00

NET

4,647.80CR

0.00 48.25CR

4,599.55CR

NET

WORK OF: 09/01/06 PAGE: 5

Reports

Settlement Reports

Figure 3.17—SWCHD363 Daily Control Report—Institution Level Trans (3 of 3)—Net Settle Summary

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Daily Interchange Report—SWCHD412 Purpose:

This report assists with the reconciliation process by providing enhanced fee reporting.

Description:

This report provides each fee record description alphabetically by product and the interchange fee record within the product category. Amounts are presented in the designated settlement currency of the processor. The MDS divides the Daily Interchange Report into three sections. •

fee description by category,

•

transaction volume by category, and

•

interchange fees for each category.

The report shows all fee counts, separated by Financial, Percentage-based, Non-financial, and Non-billable categories. The MDS segregates this report according to acquiring and issuing processor. The report page breaks on currency types within processors. The Net Interchange Summary page lists the acquirer and issuer’s net interchange fees. The information is also listed by acquirer and issuer on the Net Settlement Summary page of the Daily Control Report—SWCHD363. This report is activity driven. If a fee does not have activity, it is not shown. ISIS appearing in the FEE DESCRIPTION field identifies the ISIS transactions.

Refer to Table 3.6 for a description of the SWCHD412 report fields. Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-29

Oct 2006

Reports Settlement Reports

Enhancements with this update:

Oct 2006

Effective with the MDS 06.3 Release, October 2006 the following enhancement has been made to the SWCHD412 Daily Interchange report. •

A separate Bin Number field has been added and appears under the Report Heading information and to the right of the Institution ID field. This new field contains the six-digit BIN and allows the ability to sort the report information by BIN, as well as processor ID and institution ID.

For additional information on this enhancement, refer to the MDS Release 06.3 Document or your Customer Operations Services team representative.

Note

Line calculations for interchange fees can not be validated due to percentage based interchange for Maestro POS calculations. Line calculations for acquirer generated interchange cannot be validated because the interchange values differ for each transaction. There is a month-to-date version of this report (Monthly Interchange Report— SWCHM412).

Table 3.6—SWCHD412 Fields Field

Description

Header Fields—Display at top of all pages of the report. Oct 2006

PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

INSTITUTION ID

The Routing and Transit number for the institution. This field is included only for processors that participate in member level settlement.

BIN NUMBER

Six-digit number that allows to sort the report number by a specific bank identification number.

SETTLEMENT SERVICE

The Settlement Service agreed to by participating . The Settlement Service ID identifies a specific Settlement Service with a cutoff time agreed to by a participating member. Settlement Service IDs are listed below: 000

MDS Default

001

Brazil ISIS

002

MDS Debit MasterCard

Settlement Service cutoff times are determined by the Interchange Type, ISIS Agreement Number, and the Product. A service may be in U.S. dollars, local currency, or intra-currency. This field is included only for ISIS activity detail.

3-30

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Settlement Reports

Field

Description

ISIS AGREEMENT NBR

The MDS-assigned ISIS Agreement number.

FX

The exchange rate used for the settlement currency.

CURRENCY

The currency selected by the acquirer or issuer processor as the currency of settlement.

Oct 2006

This field is included only for ISIS activity detail.

Oct 2006

The field displays both the currency name and numeric code. SETTLEMENT ICA

The unique 6-digit number assigned by MasterCard that identifies a member or processing endpoint for settlement.

Column Headings—Display across the page just below the Header fields for both acquirers and issuers. FEE DESCRIPTION

Provides the name of each fee record and the corresponding interchange fees associated with the applicable product.

FIN

Financial Interchange Fee is the amount the issuer (ATM transaction) pays to the acquirer or the acquirer (POS transaction) pays to the issuer for financial transactions.

PCT

The Percentage Based Interchange Fee is the amount the issuer (ATM transaction) pays to the acquirer, or the acquirer (POS transaction) pays to the issuer for percentage based transactions.

NON FIN

Non-financial Interchange Fee is the amount the issuer (ATM transaction) pays to the acquirer or the acquirer (POS transaction) pays to the issuer on non-financial transactions.

MIN

Minimum Interchange Fee (if applicable).

MAX

Maximum Interchange Fee (if applicable)

COUNTS FINANCIAL

Total number of financial transactions assessed an interchange fee.

% BASED

Total number of percentage based transactions assessed an interchange fee.

NON-FINANCIAL

Total number of non-financial transactions assessed an interchange fee.

NON-BILL

Total number of financial and non-financial transactions not assessed an interchange fee.

AMOUNTS

Total monetary amounts for interchange fees separated by debits and credits.

DEBIT CREDIT Total Fields—Display to the right of the product name along the left side of the page. All items under Column Headings total for these headings. SUBTOTAL

Total counts and amounts of fee categories by product.

EXCEPTION ITEMS

Total counts and fee amounts of Exception Items by product.

TOTAL

Total counts and amounts of interchange fees by product.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-31

Reports Settlement Reports

Field

Description

ACQUIRER/ISSUER TOTAL

Total interchange fee counts and amounts for all categories as acquirer or issuer. Heading depends on whether the page heading indicates ACQUIRING PROCESSOR or ISSUING PROCESSOR.

Net Interchange Summary Headings—Display to the left of the NET INTERCHANGE SUMMARY page. ACQUIRER SETTLEMENT SUMMARY

The counts and amounts for ATM and POS interchange fees separated by debits and credits, providing the acquirer net amount. The net amount has a Credit (CR) or Debit (DB) indicator after the total.

ISSUER SETTLEMENT The counts and amounts for ATM and POS interchange fees separated by debits and SUMMARY credits, providing the issuer net amount. The net amount has a Credit (CR) or Debit (DB) indicator after the total. NET INTERCHANGE SETTLEMENT

The final net Credit (CR) or Debit (DB) total of acquirer and issuer summary net totals. This heading displays at the bottom of the page.

3-32

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : :

©2006 MasterCard MDS Settlement and Reports • October 2006 0

0

0

CI#7 ATM INTL 125D .00

CI#16 ATM LA INTL ISSUER 125D .00 25D 0

0

WORK OF: 09/01/06 PAGE: 1

1

1

1

3

734

0

0

0

0

0

0

1

1

28

320

0

0

0

0

0

0.00

0.00

0.00

0.00

0.00

1.25

1.50

1.50

4.00

447.00

EXCEPTION ITEMS

0

0

0

0

0.00

0.00

0

MC#6 ATM EPSS INTL 125D .00 25D 0

0

4

7

0

0

4

4

0

0

0.00

0.00

6.00

4.50

----------------------------------------------------------------------------------------------------------------------------------MASTERCARD SUBTOTAL 11 0 8 0 0.00 10.50 MASTERCARD EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MASTERCARD TOTAL 11 0 8 0 0.00 10.50

0

MC#1 ATM DOMESTIC 50D .00 25D

----------------------------------------------------------------------------------------------------------------------------------CIRRUS TOTAL 740 0 350 0 0.00 455.25

CIRRUS

----------------------------------------------------------------------------------------------------------------------------------CIRRUS SUBTOTAL 740 0 350 0 0.00 455.25

25D

0

CI#6 ATM EPSS INTL 125D .00 25D

0

0

25D

CI#1 ATM INTL 125D .00

0

0

CI#1 ATM DOMESTIC 50D .00 25D

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TESTBANK 9000009999 0000088999 TEST CITY BANK 840 U.S. DOLLAR 099999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.18—SWCHD412 Daily Interchange Report (1 of 5)—Acquiring Processor Oct 2006

3-33

3-34

: : : : :

0

0

0

0

0

MS#7 ATM TR DOMESTIC 25D .00 25D

MS#7 ATM BI DOMESTIC 25D .00 25D

MS#16 ATM WD LA INTL ISS 125D .00 25D 0

MS#16 ATM BI LA INTL ISS 25D .00 25D 0

: 999999

WORK OF: 09/01/06 PAGE: 2

0

0

0

0

84

11

2

0

0

160

0

0

0

0

0

0

0

0

0

0

2

1

16

1

9

1

0

42

2

23

0

0

0

0

0

0

0

0

0

0

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.50

0.25

4.00

0.25

44.25

14.00

2.50

10.50

0.50

85.75

MAESTRO ATM EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM TOTAL 257 0 97 0 0.00 162.50

----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM SUBTOTAL 257 0 97 0 0.00 162.50

0

0

0

MS#7 ATM WD DOMESTIC 50D .00 25D

0

0

0

0

0

0

0

0

MS#6 ATM WD EPSS INTL 125D .00 25D

BI DOMESTIC .00 25D WD INTL .00 25D

0

MS#1 ATM TR DOMESTIC 25D .00 25D

MS#1 ATM 25D MS#1 ATM 125D

0

MS#1 ATM WD DOMESTIC 50D .00 25D

BIN NUMBER

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TESTBANK 9000009999 0000099999 TEST CITY BANK 840 U.S. DOLLAR 999999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Reports

Settlement Reports

Figure 3.19—SWCHD412 Daily Interchange Report (2 of 5)—Acquiring Processor Oct 2006

©2006 MasterCard October 2006 • MDS Settlement and Reports

: : : : :

©2006 MasterCard MDS Settlement and Reports • October 2006

25D

0

0

WORK OF: 09/01/06 PAGE: 3

4

0

2

0

0.00

2.25

EXCEPTION ITEMS

0

0

0

0

0.00

0.00

----------------------------------------------------------------------------------------------------------------------------------ACQUIRER TOTAL 1,012 0 457 0 0.00 630.50

----------------------------------------------------------------------------------------------------------------------------------PLUS TOTAL 4 0 2 0 0.00 2.25

PLUS

----------------------------------------------------------------------------------------------------------------------------------PLUS SUBTOTAL 4 0 2 0 0.00 2.25

PL #1 DOMESTIC 50D .00

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TESTBANK 9000009999 0000099999 TEST CITY BANK 840 U.S. DOLLAR 999999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.20—SWCHD412 Daily Interchange Report (3 of 5)—Acquiring Processor Oct 2006

3-35

3-36

: : : : :

0

0

0

CI#15 ATM LA INTL ACQUIRER 125D .00 25D 0

WORK OF: 09/01/06 PAGE: 4

39

118

4,161

0

0

0

0

11

22

21

1,183

2

0

0

0

0

54.00

152.25

2,375.25

0.00

0.00

0.00

0.00

2.61

EXCEPTION ITEMS

7

0

0

0

0.25

1.25

----------------------------------------------------------------------------------------------------------------------------------ISSUER TOTAL 4,325 11 1,228 0 2,581.75 3.86

----------------------------------------------------------------------------------------------------------------------------------CIRRUS TOTAL 4,325 11 1,228 0 2,581.75 3.86

CIRRUS

----------------------------------------------------------------------------------------------------------------------------------CIRRUS SUBTOTAL 4,318 11 1,228 0 2,581.50 2.61

25D

CI#1 ATM INTL 125D .00

0

0

CI#1 ATM DOMESTIC 50D .00 25D

50C

0

CI PURCHASE DOMESTIC 15C .75C 0

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ISSUING PROCESSOR

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TESTBANK 9000009999 0000089999 TEST CITY BANK 840 U.S. DOLLAR 999999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Reports

Settlement Reports

Figure 3.21—SWCHD412 Daily Interchange Report (4 of 5)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : :

TESTBANK 9000009999 0000099999 TEST CITY BANK 840 U.S. DOLLAR 999999

©2006 MasterCard MDS Settlement and Reports • October 2006 0

POS TRANSACTIONS

0

0 0

457 0

0 0.00

0.00 0.00

630.50

0.00

630.50CR

0

POS TRANSACTIONS

11

0 2

1,226 0

0

0.00

2,581.75

2.61

1.25

2.61CR

2,580.50DB

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

NET INTERCHANGE SETTLEMENT

1,947.39DB

----------------------------------------------------------------------------------------------------------------------------------TOTAL 4,325 11 1,228 0 2,581.75 3.86 2,577.89DB

4,325

ATM TRANSACTIONS

ISSUER SUMMARY COUNTS ---------------- --------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

----------------------------------------------------------------------------------------------------------------------------------TOTAL 1,012 0 457 0 0.00 630.50 630.50CR

1,012

ATM TRANSACTIONS

WORK OF: 09/01/06 PAGE: 5

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT NET INTERCHANGE SUMMARY

ACQUIRER SUMMARY COUNTS ------------------------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.22—SWCHD412 Daily Interchange Report (5 of 5)—Net Interchange Summary Oct 2006

3-37

Reports Settlement Reports

Daily Interchange Report—SWCHD412—ISIS Transactions The following pages provide an example of the Daily Interchange Report— SWCHD412 with ISIS transactions detailed on the report. The ISIS Agreement Number and Settlement Service information are included in the header to identify ISIS transaction information.

3-38

©2006 MasterCard October 2006 • MDS Settlement and Reports

: : : : : : : BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR WORK OF: 09/01/06 PAGE: 20

©2006 MasterCard MDS Settlement and Reports • October 2006

MAESTRO ATM EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM TOTAL 14 0 173 0 0.00 9,400.00 ----------------------------------------------------------------------------------------------------------------------------------ACQUIRER TOTAL 2,360 0 617 0 0.00 9,460.00

MS ATM ISIS VENEZUELA 8000D .00 6000D 0 0 14 0 108 0 0.00 7,600.00 MS POS BI ISIS VENEZUELA 0 .00 6000D 0 0 0 0 65 0 0.00 1,800.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM SUBTOTAL 14 0 173 0 0.00 9,400.00

MAESTRO POS EXCEPTION ITEMS 1 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS TOTAL 2,346 0 443 0 0.00 0.00

MS POS ISIS VENEZUELA T1 0 .00 0 0 0 1,165 0 242 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS SUBTOTAL 2,345 0 443 0 0.00 0.00

CIRRUS EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS TOTAL 0 0 1 0 0.00 60.00 MS POS ISIS VENEZUELA 0 .00 0 0 0 1,180 0 201 0 0.00 0.00

CI ATM ISIS VENEZUELA 8000D .00 6000D 0 0 0 0 1 0 0.00 60.00 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS SUBTOTAL 0 0 1 0 0.00 60.00

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TEST BANK OF VENEZUELA 9000009999 000 C862 0000099999 TEST CITY BANK 862 BOLIVAR 009999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.23—SWCHD412 Daily Interchange Report—ISIS Transactions (1 of 3)—Acquiring Processor

3-39

Oct 2006

3-40

: : : : : : :

0

0

MS POS ISIS VENEZUELA T1 0 .00 0 0

MS POS ISIS VENEZUELA T2 0 .00 0 0 31

528

1,030

0

0

0

2

66

182

0

0

0

0.00

0.00

0.00

0.00

0.00

0.00

EXCEPTION ITEMS

0

0

0

0

0.00

0.00

EXCEPTION ITEMS

0

0

0

0

0.00

0.00

----------------------------------------------------------------------------------------------------------------------------------ISSUER TOTAL 1,647 0 280 0 6,200.00 0.00

----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM TOTAL 58 0 30 0 6,200.00 0.00

MAESTRO ATM

MS ATM ISIS VENEZUELA 8000D .00 6000D 0 0 58 0 30 0 6,200.00 0.00 ---------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM SUBTOTAL 58 0 30 0 6,200.00 0.00

----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS TOTAL 1,589 0 250 0 0.00 0.00

MAESTRO POS

----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS SUBTOTAL 1,589 0 250 0 0.00 0.00

0

0

MS POS ISIS VENEZUELA 0 .00 0

COUNTS

WORK OF: 09/01/06 PAGE: 21

----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ISSUING PROCESSOR TEST BANK OF VENEZUELA 9000009999 000 C862 0000099999 TEST CITY BANK 862 BOLIVAR 009999 FEE DESCRIPTION

AMOUNTS ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Reports

Settlement Reports

Figure 3.24—SWCHD412 Daily Interchange Report—ISIS Transactions (2 of 3)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : : : :

TEST BANK OF VENEZUELA 9000009999 000 C862 0000099999 TEST CITY BANK 862 BOLIVAR 009999

©2006 MasterCard MDS Settlement and Reports • October 2006 2,346

POS TRANSACTIONS

0

0 508

109 0

0 0.00

0.00 1,800.00

7,660.00

1,800.00CR

7,660.00CR

1,589

POS TRANSACTIONS

0

0 250

30 0

0

0.00

6,200.00

0.00

0.00

0.00

6,200.00DB

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

NET INTERCHANGE SETTLEMENT

3,260.00CR

----------------------------------------------------------------------------------------------------------------------------------TOTAL 1,647 0 280 0 6,200.00 0.00 6,200.00DB

58

ATM TRANSACTIONS

ISSUER SUMMARY COUNTS ---------------- --------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

----------------------------------------------------------------------------------------------------------------------------------TOTAL 2,360 0 617 0 0.00 9,460.00 9,460.00CR

14

ATM TRANSACTIONS

WORK OF: 09/01/06 PAGE: 22

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT NET INTERCHANGE SUMMARY

ACQUIRER SUMMARY COUNTS ---------------- --------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

PROCESSOR PROCESSOR ID SETTLEMENT SERVICE ISIS AGREEMENT NBR INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.25—SWCHD412 Daily Interchange Report—ISIS Transactions (3 of 3)—Net Intrch Summary

3-41

Oct 2006

Reports Settlement Reports

Daily Interchange Report—SWCHD412—Institution Level Transactions The following pages provide an example of the Daily Interchange Report— SWCHD412 with Institution Level transactions detailed on the report. This report will page break by currency type within processor, and then by Routing and Transit number within processor if the processor participates in member level settlement.

3-42

©2006 MasterCard October 2006 • MDS Settlement and Reports

: : : : :

TEST PROCESSOR 9000008888 1989898626 840 U.S. DOLLAR 000000

WORK OF: 09/01/06 PAGE: 38

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR

©2006 MasterCard MDS Settlement and Reports • October 2006 0

MC#902 LA ACQ TO MC#4 125D .00 25D 0

0

0

1

0

0

0

0

0

0.00

0.00

0.00

4.00

3.75

2.50

MC#904 LA ACQ TO EPSS ISSUER 125D .00 25D 0 0 15 0 3 0 0.00 19.50 ----------------------------------------------------------------------------------------------------------------------------------MASTERCARD SUBTOTAL 23 0 4 0 0.00 29.75 MASTERCARD EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MASTERCARD TOTAL 23 0 4 0 0.00 29.75 MS#13 ATM WD LA INTRA_REGIONAL 125D .00 25D 0 0 36 0 11 0 0.00 47.75 MS#13 ATM BI LA INTRA-REGIONAL 25D .00 25D 0 0 0 0 7 0 0.00 1.75 MS#15 ATM WD LA INTL ACQ 125D .00 25D 0 0 64 0 17 0 0.00 84.25

3

3

0

0

2

0

MC#13 ATM LA INTRA-REGIONAL 125D .00 25D 0 MC#15 ATM LA INTL-ACQUIRER 125D .00 25D 0

CI#13 ATM LA INTRA-REGIONAL 125D .00 25D 0 0 11 0 4 0 0.00 14.75 CI#15 ATM LA INTL ACQUIRER 125D .00 25D 0 0 36 0 34 0 0.00 48.50 CI#904 LA ACQ TO EPSS ISSUER 125D .00 25D 0 0 6 0 3 0 0.00 8.25 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS SUBTOTAL 53 0 41 0 0.00 71.50 CIRRUS EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS TOTAL 53 0 41 0 0.00 71.50

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.26—SWCHD412 Daily Interchange Report—Institution Level Trans (1 of 4)—Acq. Processor

3-43

Oct 2006

3-44

: : : : :

0

0

MS ATM FOO #904 FSI 015 & 006 125D .00 25D 0

MS ATM FOO #905 FSI 015 & 007 125D .00 25D 0

WORK OF: 09/01/06 PAGE: 39

6

59

0

0

0

0

0

8

6

0

0

0

0.00

0.00

0.00

7.50

75.75

1.50

----------------------------------------------------------------------------------------------------------------------------------ACQUIRER TOTAL 241 0 94 0 0.00 319.75

----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM SUBTOTAL 165 0 49 0 0.00 218.50 MAESTRO ATM EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM TOTAL 165 0 49 0 0.00 218.50

0

MS#15 ATM BI LA INTL ACQ 25D .00 25D 0

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ACQUIRING PROCESSOR

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TEST PROCESSOR 9000008888 0000099999 TEST CITY BANK 840 U.S. DOLLAR 000000

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Reports

Settlement Reports

Figure 3.27—SWCHD412 Daily Interchange Report—Institution Level Trans (2 of 4)—Acq. Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

: : : : : BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT ISSUING PROCESSOR WORK OF: 09/01/06 PAGE: 40

©2006 MasterCard MDS Settlement and Reports • October 2006 25 0

0 0

0

0 13

39

0

0

3.25

41.00

0.00

0.00

MS#16 ATM WD LA INTL ISS 125D .00 25D 0 0 72 0 63 0 105.75 0.00 MS#16 ATM BI LA INTL ISS 25D .00 25D 0 0 0 0 17 0 4.25 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM SUBTOTAL 97 0 132 0 154.25 0.00 MAESTRO ATM EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO ATM TOTAL 97 0 132 0 154.25 0.00 ----------------------------------------------------------------------------------------------------------------------------------ISSUER TOTAL 101 7 137 0 159.75 3.12

MS#13 ATM WD LA INTRA_REGIONAL 125D .00 25D 0 MS#13 ATM BI LA INTRA-REGIONAL 25D .00 25D 0

CI#16 ATM LA INTL ISSUER 125D .00 25D 0 0 4 0 2 0 5.50 0.00 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS SUBTOTAL 4 0 2 0 5.50 0.00 CIRRUS EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------CIRRUS TOTAL 4 0 2 0 5.50 0.00 MS POS INTL 0 .65C 0 0 0 0 5 3 0 0.00 1.40 MS POS INTL SIGNATURE 0 .65C 0 0 0 0 2 0 0 0.00 1.72 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS SUBTOTAL 0 7 3 0 0.00 3.12 MAESTRO POS EXCEPTION ITEMS 0 0 0 0 0.00 0.00 ----------------------------------------------------------------------------------------------------------------------------------MAESTRO POS TOTAL 0 7 3 0 0.00 3.12

COUNTS AMOUNTS ----------------------------------------------- ------------------ ------------------FINANCIAL % BASED NONFINANCIAL NONBILL DEBIT CREDIT

TEST PROCESSOR 9000008888 0000099999 TEST CITY BANK 840 U.S. DOLLAR 999999

FEE DESCRIPTION ----------------------------------FIN PCT NONFIN MIN MAX

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Settlement Reports

Reports

Figure 3.28—SWCHD412 Daily Interchange Report—Institution Level Trans (3 of 4)—Iss. Processor

3-45

Oct 2006

3-46

: : : : :

TEST PROCESSOR 9000088886 0000099999 TEST CITY BANK 840 U.S. DOLLAR 000000

0

POS TRANSACTIONS

0

0 0

94 0

0 0.00

0.00

0.00

319.75

0.00

319.75CR

0

POS TRANSACTIONS

7

0 3

134 0

0

0.00

159.75

3.12

0.00

3.12CR

159.75DB

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

NET INTERCHANGE SETTLEMENT

163.12CR

----------------------------------------------------------------------------------------------------------------------------------TOTAL 101 7 137 0 159.75 3.12 156.63DB

101

ATM TRANSACTIONS

ISSUER SUMMARY COUNTS ---------------- --------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

----------------------------------------------------------------------------------------------------------------------------------TOTAL 241 0 94 0 0.00 319.75 319.75CR

241

ATM TRANSACTIONS

WORK OF: 09/01/06 PAGE: 41

AMOUNTS ----------------------------------------------------------DEBIT CREDIT NET

BIN NUMBER : 999999

MASTERCARD DEBIT SWITCH DAILY INTERCHANGE REPORT NET INTERCHANGE SUMMARY

ACQUIRER SUMMARY COUNTS ---------------- --------------------------------------------------FINANCIAL % BASED NONFINANCIAL NONBILL

PROCESSOR PROCESSOR ID INSTITUTION ID CURRENCY SETTLEMENT ICA

SWCHD412

Reports

Settlement Reports

Figure 3.29—SWCHD412 Daily Interchange Report—Institution Level Trans (4 of 4)—Net Inter. Sum.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Monthly Control Report—SWCHM363 Purpose:

The MDS generates this report to validate the processor’s monthly net settlement position to the processor’s settlement .

Description:

This report is a month-end version of the Daily Control Report—SWCHD363. This report provides summary detail by transaction type within product type and includes the following transaction information: •

financial quantity for approved and denied

•

financial amount of transaction and fees, and

•

reversal quantity and net amount of transactions and fees.

The MDS provides totals derived from the Batch Data File settlement messages for acquiring and issuing processors. The Net Settlement Summary page lists the net settlement of transactions, reversals, and fees separated by debit, credit, and net for both the acquirer and the issuer. It also provides a final combined net settlement disposition for the Automated Clearing House System (ACH) and the Global Clearing Management System (GCMS). This report is based upon activity. Therefore, if a transaction type has “0” activity, it is not reported.

Note

Frequency:

Monthly

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

For a sample of this report, refer to the Daily Control Report —SWCHD363 subsection.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-47

Oct 2006

Reports Settlement Reports

Monthly Interchange Report—SWCHM412 Purpose:

This report assists with the reconciliation process by providing enhanced fee reporting.

Description:

This report is a month-end version of the Daily Interchange Report—SWCHD412. The MDS divides the Monthly Interchange Report into three sections. •

fee description by category

•

transaction volume by category, and

•

total dollar amounts by category.

Oct 2006

The fee description by category reflects the ed feesharing indices of the Customer and Technology. The report shows all transaction counts, separated by Financial and Non-financial, Billable and Non-billable categories. The actual dollar amount of fees are applied to interchange by product and then totaled in the “Total Net” column. The MDS segregates this report according to acquiring and issuing processor. The Daily Control Report—SWCHD363 lists the net total of fees in the field entitled “total fees settlement.” This report is activity driven. If a transaction type has “0” activity, it is not shown.

Note

3-48

Frequency:

Monthly

Availability:

Available through Global File Transfer and eService on MasterCard OnLine

For a sample of this report, refer to the Daily Interchange Report—SWCHD412 subsection.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Debit MasterCard Inbound/Outbound Fee Report— SWCHD586-A Note

For more information, refer to the IPM Clearing Formats manual.

Purpose:

Debit MasterCard processors can use this report to track and monitor miscellaneous inbound and outbound fees incurred through the submission of various fee collection messages.

Description:

must settle all miscellaneous fees and charges by use of the IPM Retrieval and Fee Collection/1740 message. The fee collection message contains the information required for to process the miscellaneous fees and charges identified and is used for a number of diverse applications. The MDS generates this report to provide a summary detail of Retrieval and Fee Collection messages received on the GCMS Debit MasterCard inbound and outbound IPM format file. This report includes various fee collection types with the following Message Type Identifiers and Function Codes: •

Retrieval Request Fees (1644 MTI-603 FNC)

•

Record Clearing Fees–member-and system-generated (1740 MTI- 700/783 FNC)

•

Handling Fees–member-generated (1740 MTI -700, 780-782 FNC)

•

Interchange Compliance Fees–system-generated (1740 MTI -783 FNC)

The MDS also will provide a Net Fees Report Summary page per processor, which lists the combined fee amounts incurred inbound and outbound with a Net total of the inbound and outbound fee amounts. This report is by ICA number within processor number order. This report is based upon activity. Therefore, if a fee collection type has no activity, it will not be reported.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-49

Reports Settlement Reports

Note

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

There is a month-to-date version of this report (Debit MasterCard Miscellaneous Billing Report—SWCHM501).

Refer to Table 3.7 for a description of the SWCHD586-A report fields. Table 3.7—SWCHD586-A Fields Field

Description

Header Field—Displays at the top of all pages of the report PROCESSOR

The MDS assigned processor/member identification number and the processor name.

Column Headings—Display across the page, just below the Header fields MTI

The Message Type Identifier (MTI) identifies the general classification of a standard ISO message type being interchanged. For retrieval and fee collection messages: 1644 Retrieval Request Message–sent to acquirer by issuer 1740 Retrieval Fee Billing Message–submitted by acquirer Together with Function Code (IPM DE 24) in the next column, these identifiers uniquely identify all transaction functions the clearing system performs.

FNC

Function Code, indicates a message’s specific purpose. The following retrieval and fee collection messages, from IPM DE 24, are included in this report. •

603 Retrieval Request

•

700 Fee Collection (member-generated)

•

780 Fee Collection Return

•

781 Fee Collection Resubmission

•

782 Fee Collection Arbitration Return

•

783 Fee Collection (clearing system-generated)

Together with the MTI, these data elements uniquely identify all transaction functions the clearing system performs. ACQUIRING ICA

3-50

The Interbank Card Association (member ID/ICA) number assigned by MasterCard to identify a member that maintains the merchant relationship and acquires the data relating to a transaction.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Settlement Reports

Field

Description

ISSUING ICA

The Interbank Card Association (member ID/ICA) number assigned by MasterCard to identify a member or processing endpoint of the card issuing processor or institution.

PAN

Primary Number. This is the cardholder number used to identify the being accessed during the transaction.

USAGE CODE

Indicates the funds movement direction of a Fee Collection transaction on a customer . Valid values are: 19 credit to transaction originator 29 debit to transaction originator

REASON CODE

Provides the message receiver with the reason that the message was sent. For detailed reason code (DE 25) information, refer to the IPM Clearing Formats manual.

FEE AMOUNT

Represents all fee amounts associated with a transaction type, in USD currency

REVERSAL INDICATOR

Originator must provide if this message is a single item reversal within a normal clearing file. Valid values are: R

if message is a reversal of a previous message with no R.

Space

MESSAGE TEXT

if message is a reversal of a previous message with an R.

Message Text enables the member to provide additional data applicable to a specific transaction type. Oct 2006

This information displays beneath the related information in the above columns. Total Field—Displays in the center at the bottom of the page TOTAL

Net amount of all retrieval and fee collection charges incurred.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-51

3-52 TEST MEMBER

M A S T E R C A R D D E B I T M A S T E I N B O U N D F C U R R E N

D R E C

E C E Y

B I T S W I T C H A R D C Y C L E - ALL S R E P O R T 840

WORK OF 03/19/05 PAGE 4

ACQUIRING ISSUING PAN USAGE REASON FEE REVERSAL ICA ICA CODE CODE AMOUNT INDICATOR --------------------------------------------MESSAGE TEXT--------------------------------------------

004999 MCBS - 0005477

005999 MCBS - 0006012

003939 MCBS - 0008656

008989 MCBS - 0009067

003999 009898 INTERCHANGE COMPLIANCE ADJUSTMENT FOR : 03/18/05

004999 009999 INTERCHANGE COMPLIANCE ADJUSTMENT FOR : 03/18/05

1740 783

1740 783

1740 783

1740 783

1740 783

1740 783

009999 OS - MERCHANT INVESTMENT

009999 OS - MERCHANT INVESTMENT

009999 OS - MERCHANT INVESTMENT

009999 OS - MERCHANT INVESTMENT

840

840

840

840

007999 DJ - DAILY MASTERCOM RETRIE 840

003999 MCBS - 0005477

840

1740 783

006999 OS - MERCHANT INVESTMENT

003999 MCBS - 0005471

1740 783

TOTAL

29

29

19

19

19

19

19

19

9000012125

7802

7802

1,125.97

.34CR

.29CR

7800 105.88 105.88 BILLING CYCLE DATE - MAR 18, 2005

7800 1.89 1.89 BILLING CYCLE DATE - MAR 18, 2005

7800 46.66 46.66 BILLING CYCLE DATE - MAR 18, 2005

7800 41.24 41.24 BILLING CYCLE DATE - MAR 18, 2005

7800 1.00 1.00 BILLING CYCLE DATE - MAR 18, 2005

7800 116.78 116.78 BILLING CYCLE DATE - MAR 18, 2005

=================================================================================================================================== 1740 783 003999 006599 19 7800 813.15 MCBS - 0005195 OS - MERCHANT INVESTMENT 840 813.15 BILLING CYCLE DATE - MAR 18, 2005

MTI FNC

===================================================================================================================================

PROCESSOR: 9000012125

SWCHD586-A GCMS04.1 SMS3296D RUN DATE-TIME: 03/20/05 - 05:30:23

Reports

Settlement Reports

Figure 3.30—SWCHD586-A Inbound Fees Report (1 of 3)

©2006 MasterCard October 2006 • MDS Settlement and Reports

TEST MEMBER

M A S T E R C A R D D E B I T M A S T E O U T B O U N D C U R R E

D R F N

E B C A E E C Y

I T S W I T C H R D C Y C L E - ALL S R E P O R T 840

WORK OF 03/19/05 PAGE 5

ACQUIRING ISSUING PAN USAGE REASON FEE REVERSAL ICA ICA CODE CODE AMOUNT INDICATOR --------------------------------------------MESSAGE TEXT--------------------------------------------

003999 007777 5108401999999999 08 A 1 0304218893 030205 700 00000015822509999903

003999 008888 5108401599999999 08 A 1 0304224420 030205 700 00000015822509999901

003999 009999 5108401799999999 08 A 1 0304493753 030305 700 00000015822507490019

003999 009999 5108401999999999 08 A 1 0305714211 030405 700 00000015822999999023

004999 008888 5108409999999991 08 A 1 0307207185 030505 700 00000015822509999910

004999 009999 5108402709999999 08 A 1 0308636708 030705 700 00000015822509999906

005999 009999 5108401699999999 08 A 1 0309966402 030805 700 00000015822599999005

009999 009999 5108409999999999 08 A 1 0311042867 030805 700 00000015822507699999

003999 008888 5108409999999999 08 A 1 0311965361 030905 700 00000015822333444555

1740 700

1740 700

740 700

©2006 MasterCard MDS Settlement and Reports • October 2006

1740 700

1740 700

1740 700

1740 700

1740 700

1740 700 TOTAL

7622

7622

7622

7622

7622

7622

7622

7622

7622

9000012125

19

19

19

19

19

19

19

19

19

250.00CR

25.00CR

25.00CR

25.00CR

25.00CR

25.00CR

25.00CR

25.00CR

25.00CR

25.00CR

=================================================================================================================================== 1740 700 003999 009999 5108402099999999 19 7622 25.00CR 08 A 1 0303451081 030105 700 00000015828989890045

MTI FNC

===================================================================================================================================

PROCESSOR: 900000012125

SWCHD586-A GCMS04.1 SMS3296D RUN DATE-TIME: 03/20/05 - 05:30:23

Settlement Reports

Reports

Figure 3.31—SWCHD586-A Outbound Fees Report (2 of 3)

3-53

3-54 TEST MEMBER

D E B I T

N E T

R E P O R T

C Y C L E - ALL

S W I T C H

C U R R E N C Y 840

F E E S

M A S T E R C A R D

M A S T E R C A R D D E B I T

PAGE

7

WORK OF 03/19/05

9000012125 9000012125 9000012125

TOTAL INBOUND TOTAL OUTBOUND NET TOTAL

875.97

250.00CR

1,125.97

===================================================================================================================================

NET TOTALS

PROCESSOR: 9000012125

RUN DATE-TIME: 03/20/05 - 05:30:23

SMS3296D

SWCHD586-A GCMS04.1

Reports

Settlement Reports

Figure 3.32—SWCHD586-A Net Fees Report (3 of 3)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Detail Activity Reports Detail activity reports list the details of all financial and non-financial transaction activity, regardless of the settlement day completion status that occurred on the settlement day. The MDS provides these reports to assist processors in research, tracking capabilities and transaction analysis. Table 3.8 Lists the MDS Detail Activity reports name, and purpose by report number. Table 3.8—MDS Detail Activity Reports Number

Name

Purpose

SWCHD53

Exception Audit Report

Processors use this reports to ensure the MDS has processed all exception items and to track incoming and outgoing exception items for the processor. Processors should use the report to initiate the research for representments and to monitor for excessive chargebacks that could be subject to sanction.

SWCHD55

Detailed Suspect Items Report

Processors use this enriched report to determine why a transaction failed. This report can assist in the reconciliation process by identifying the differences between the processor’s internal reports and the MDS reports.

Transaction Audit Reports

With MDS Release 06.3, MasterCard will no longer send the Transaction Audit Reports—SWCHD57 and SWCHD108 to . These reports are obsolete and will not be updated or modified in future releases. may use the 250-byte Batch Data File as an alternate reference to locate information that was previously found in the Transaction Audit Reports.

SWCHD57/ SWCHD108

These reports are obsolete but can be requested until April 2007.

To allow more time to convert to the 250-byte Batch Data File format, may request to continue to receive uninterrupted delivery of these reports through 3 April 2007.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-55

Oct 2006

Reports Detail Activity Reports

Number

Name

Purpose

SWCHD118

Retrieval Request/ Fulfillment Report

Debit MasterCard processors can use this report to track and monitor retrievals, and to ensure that acquirers have processed and fulfilled retrievals.

SWCHD141-1

File Updates

This report gives MDS connected issuer processors the ability to review modifications made to card adjustment files for card numbers residing on the Banknet Stand-In file.

SWCHD141-2

Management File Updates

This report gives MDS-connected issuer processors the ability to review modifications made to card adjustment files for card numbers residing in the MDS Banknet AMS ( Management System) repository.

SWCHD141-3

Recurring Payment Cancellation Service

This report gives MDS-connected issuer processors the ability to identify and review all additions and changes to Recurring Payment Cancellation Service records.

SWCHD144

Maestro POS Transaction Audit Report

For issuers, the report sequence provides tracking capabilities and session reporting analysis. For acquirers, the report sequence enables processors with multiple corresponding to review transactions by Institution and Term ID.

3-56

SWCHD147-1

Negative File Updates

This report gives the ability to track changes made to the MDS Stand-In Negative Card file.

SWCHD147-2

VIP File Updates

This report gives the ability to track changes made to the MDS Stand-In VIP file.

SWCHD149

Stand-In Transaction Audit Report

For issuers, the report provides tracking capabilities for all transactions that the MDS routed to Debit Stand-In during periods the processor was unavailable

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Detail Activity Reports

Captured Card Report—SWCHD51–Removed Note

Report SWCHD51–Captured Card Report is obsolete and has been removed from this manual.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-57

Reports Detail Activity Reports

Exception Audit Report—SWCHD53 Purpose:

Processors use this report to ensure the MDS has processed all exception items and to track incoming and outgoing exception items for the processor. Processors should use the report to initiate the research for representments and to monitor for excessive chargebacks that could be subject to sanction.

Description:

This report details all exception items including same day Reversal (auto-reversal) Adjustments, Chargebacks, and Representments. The report contains summary totals (by product, for all the exception items). Exception items are included in the processor’s net daily settlement and in the Daily Control Report—SWCHD363. Exception items do not appear on the Transaction Audit Report. The MDS sequences the transactions in reversal code order and segregates the report by acquiring and issuing processor. Interchange type 2 appearing in the PROD TYPE field identifies the ISIS transactions. STND appearing in the RESP CODE field identifies the Stand-in

transactions. Refer to Table 3.9 for a description of the SWCHD53 report fields. Frequency:

Daily

Availability:

Available through Global File Transfer.

Oct 2006

Oct 2006

3-58

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Table 3.9—SWCHD53 Fields Field

ISO DE Description

Header Fields—Display at the top of all pages of the report. PROCESSOR

N/A

The processor name.

PROCESOR ID

N/A

The MDS-assigned processor/member identification number.

Body Fields—Display in the body of the report. These fields repeat for each exception item. PAN

2

Primary Number. This is the cardholder number used to identify the accessed during the transaction.

PROD TYPE

63

This field identifies the product accessed and the related interchange rate. Valid product type codes are:

Oct 2006

MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. MESS TYPE

NA

The identifier of the financial message type

CURR DATE

13

The calendar date the exception item occurred on the MDS.

Oct 2006

Format: MM-DD CURR TIME

12

The start and end time for the exception item to complete on the MDS system. Format: HHMMSS

CURRENCY

49

The ISO-assigned currency code. Indicates the local currency used at the terminal.

ADV REASON

60

Advice Reason Code. Indicates the specific purpose of an advice message.

SWCH DATE

7

The date the transaction was processed on the MDS system

Oct 2006

Format: MM-DD SWCH TIME

7

The start and end time for the transaction to complete. Format: HHMMSS

ORG SWCH SER

NA

The unique MDS assigned number for each transaction the system processes.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-59

Reports Detail Activity Reports

Field

ISO DE Description

SWCH SERIAL

63

The unique MDS-assigned number identifying this adjustment.

STLMT DATE

15

System settlement date of the exception item

PROC CODE

3

The Processing Code describes the effect of a transaction on a cardholder , and the type affected for the original transaction.

CONV RATE-A

NA

Currency Conversion rate used to convert local currency to settlement currency where applicable. The MDS does not provide this information for balance inquiry transactions.

TRACE NO.

11

The message initiator assigns a unique Trace Number to identify a transaction. This represents the trace number of the original transaction.

ORG DATE

90

The date on which the transaction originally occurred on the MDS system.

ORG TIME

90

The time at which the transaction originally occurred on the MDS system. Format: HHMMSS

ORG AMT

90

The amount settled in the original transaction. For the acquirer this amount displays in the designated acquirer processor settlement currency, and for the issuer, the amount displays in the designated issuer processor settlement currency.

REFERENCE NO

37

Identifies the serial number printed on the customer receipt.

ACQ REC DATE

NA

The original settlement date.

ACQ INST NAME

NA

The name of the bank/processor, including ATM and POS terminals, acquiring the transaction.

NEW AMT

95

The amount to affect the exception item. This amount displays to the acquirer in the acquirer processor’s designated settlement currency, and to the issuer in the issuer processor’s designated settlement currency.

RESP CODE-A

NA

The response code of the original transaction. Refer to the NICS s’ Guide for a response code listing.

TERMINAL ID

41

The unique ID assigned by the acquirer to each terminal.

ACQ LOC

NA

The physical location of the ATM or POS terminal.

REV DR AMT

NA

The amount reversed in the original transaction that results in a debit to the cardholder, reporting in the issuer processor’s designated settlement currency to the issuer, and in the acquirer processor’s designated settlement currency to the acquirer.

RESP CODE - I

NA

The response code of the exception item.

ISS INST ID

NA

The issuing processor’s Routing and Transit Number (also known as the ABA Number). This number identifies the card processor to the MDS.

3-60

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Detail Activity Reports

Field

ISO DE Description

ACQ INST ID

32

The acquirer processor’s Routing and Transit Number (also known as the ABA Number). This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

REV CR AMT

NA

The amount reversed in the original transaction that results in a credit to the cardholder, displaying in the issuer processor’s designated settlement currency to the issuer, and in the acquirer processor’s designated settlement currency to the acquirer.

ADV REASON-A

60

The original Advice Reason Code indicating the specific purpose of an advice message received for a transaction that did not complete as authorized.

ISS PROC ID

NA

The MDS assigned processor number of the issuer involved in the transaction.

ACQ PROC ID

33

The MDS assigned processor number of the acquirer involved in the transaction.

STLMT AMT

NA

The new settlement amount after the adjustment. The settlement amount will report to the acquirer in the acquirer processor ‘s settlement currency, and to the issuer in the issuer processor’s settlement currency.

ADV REASON-1

60

The original Advice Reason Code indicating the specific purpose of an advice message received for a transaction that did not complete as authorized.

ORG ISS ID

NA

The cardholder processor number contained in the original transaction.

ORG ACQ ID

33

The acquirer processor number contained in the original transaction.

STLMT CURRENCY

NA

The currency of the amount being settled to the acquirer or issuer processor. The currency associate with the STLMT AMT.

USAGE CODE a

DOC IND a

Identifies the current cycle of the chargeback. Valid values are: 1

First Chargeback

2

Second Presentment

3

Arbitration Chargeback

6

Retrieval Request

7

Fulfillment

Specific requirements based on the cycle of the chargeback determines the need for a member to provide ing documentation. Valid values are: Blank 1

REJ CODE a

No documentation will follow

Documentation will follow

Reserved for future use.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-61

Reports Detail Activity Reports

Field

ISO DE Description

COND CODE a

The condition code denotes how the acquirer originally processed the transaction. Valid values are: 00 Online authorization, no PIN, PAN entry unknown 13 Online authorization, no PIN, PAN entry via magnetic stripe 18 Online authorization, no PIN, PAN entry via hand key

ADDITIONAL DATA a

Used by the operator processing the adjustment to provide the receiving member with specific information about the transaction. Can be the name and number.

MERCH CODE a

The Merchant Code is a classification code used to identify the type of merchant.

EXCEPTION ITEM TYPE

NA

TOTAL PRODUCT

Total of all exception item types within a specific product type. NA

TOTAL CASH BACK

Identifies the type of exception item processed.

Product under which original transaction occurred. Represents the total of all product types within a specific exception item type.

54

The Cash Back amount information on a purchase transaction. Cash back may be expressed in both local and designated acquirer or issuer settlement currency. This field displays only under certain conditions. If a transaction has an Amount Type of 40 (in ISO DE 54), this field displays. If there is no Cash Back activity, this field does not display.

a

The product type determines if this field is present on the report.

3-62

©2006 MasterCard October 2006 • MDS Settlement and Reports

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

PAN 0001131130000000005 MESS TYPE 0400 ADV REASON 490 0010 SWCH SERIAL 408830008 TRACE NO 018484 REFERENCE NO ADJ2 RESP CODE-A 00 0005626000000 RESP CODE-I ADV REASON -A 490 0010 ADV REASON -I

PAN 0001131130000000005 MESS TYPE 0400 ADV REASON 490 0010 SWCH SERIAL 408830013 TRACE NO 018487 REFERENCE NO ADJ5 RESP CODE-A 00 0005629000000 RESP CODE-I ADV REASON -A 490 0010 ADV REASON -I

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000000112

PAN 0001131130000000005 MESS TYPE 0400 ADV REASON 490 0010 SWCH SERIAL 408830005 TRACE NO 018483 REFERENCE NO ADJ1 RESP CODE-A 00 0005625000000 RESP CODE-I ADV REASON -A 490 0010 ADV REASON -I

SWCHD53

©2006 MasterCard MDS Settlement and Reports • October 2006 03-10 03-10 03-10 03-02 03-02 ADJ5 1011311306 9000000113 9000000113

03-10 03-10 03-10 03-02 03-02 ADJ2 1011311306 9000000113 9000000113

03-10 03-10 03-10 03-02 03-02 ADJ1 1011311306 9000000113 9000000113

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

000849 000000 000849 000000 011000 075114 US BANK - DHINESH TROY MI 1011211202 9000000112 9000000112

000847 000000 000847 000000 010000 075108 INDIAN BANK MUMBAI IN 1113040009 9000000112 9000000112

000845 000000 000845 000000 011000 075106 US BANK - DHINESH TROY MI 1011211202 9000000112 9000000112

D E B I T S W I T C H A U D I T R E P O R T P R O C E S S O R

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

M A S T E R C A R D E X C E P T I O N A C Q U I R I N G

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY

MS1 840 403905003 11000000 .00 100.00 .00 100.00 101.00C 840

MS1 356 406860003 24336000 2.31 1.85 .46 .00 .46D 840

MS1 840 405845003 11000000 100.00 90.00 10.00 .00 10.00D 840

WORK OF 03/10/06 PAGE 1

Detail Activity Reports

Reports

Figure 3.33—SWCHD53 Report (1 of 4)

3-63

3-64

CIRRUS MAESTRO TOTAL

AUTO REVERSALS 0 0 0

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000000112

PAN 0001131130000000005 MESS TYPE 0400 ADV REASON 490 0010 SWCH SERIAL 408830022 TRACE NO 018493 REFERENCE NO 00920016 RESP CODE-A 00 0005635000000 RESP CODE-I ADV REASON -A 490 0010 ADV REASON -I

SWCHD53

ADJUSTMENTS 1 4 5

03-10 03-10 03-10 03-02 03-02 ADJ10 1011311306 9000000113 9000000113

CHARGEBACKS 0 0 0

REPRESENTMENTS 0 0 0

000856 000000 000856 000000 001000 075125 US BANK - DHINESH TROY MI 1011211202 9000000112 9000000112

D E B I T S W I T C H A U D I T R E P O R T P R O C E S S O R

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

M A S T E R C A R D E X C E P T I O N A C Q U I R I N G

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY ORG CASH BACK REPRESENTMENT REVERSALS 0 0 0

TOTAL 1 4 5

MS1 840 402000003 11000000 200.00 100.00 100.00 .00 99.36D 840 100.00

WORK OF 03/10/06 PAGE 2

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Detail Activity Reports

Figure 3.34—SWCHD53 Exception Audit Report (2 of 4)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID

PAN 0001131130000000005 MESS TYPE 0420 ADV REASON 490 0010 SWCH SERIAL 408830015 TRACE NO 018487 REFERENCE NO ADJ5 RESP CODE-A 00 0005629000000 RESP CODE-I 00 0000000000000 ADV REASON -A 490 0010 ADV REASON -I

PAN 0001131130200000003 MESS TYPE 0420 ADV REASON 490 0010 SWCH SERIAL 408830019 TRACE NO 018490 REFERENCE NO ADJ7 RESP CODE-A 00 0005632000000 RESP CODE-I 00 0000000000000 ADV REASON -A 490 0010 ADV REASON -I

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000000113

PAN 0001131130000000005 MESS TYPE 0420 ADV REASON 490 0010 SWCH SERIAL 408830007 TRACE NO 018483 REFERENCE NO ADJ1 RESP CODE-A 00 0005625000000 RESP CODE-I 00 0000000000000 ADV REASON -A 490 0010 ADV REASON -I

SWCHD53

©2006 MasterCard MDS Settlement and Reports • October 2006 03-10 03-10 03-10 03-02 03-02 ADJ7 1011311306 9000000113 9000000113

03-10 03-10 03-10 03-02 03-02 ADJ5 1011311306 9000000113 9000000113

03-10 03-10 03-10 03-02 03-02 ADJ1 1011311306 9000000113 9000000113

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

000852 000852 000852 000853 011000 075119 BANK OF JORDAN TROY MI 1112030007 9000000112 9000000112

000849 000849 000849 000850 011000 075114 US BANK - DHINESH TROY MI 1011211202 9000000112 9000000112

000845 000845 000845 000846 011000 075106 US BANK - DHINESH TROY MI 1011211202 9000000112 9000000112

D E B I T S W I T C H A U D I T R E P O R T P R O C E S S O R

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID

M A S T E R C A R D E X C E P T I O N I S S U I N G

MS1 840 403905003 11000000 .00 100.00 100.00 .00 101.00D 840

MS1 840 405845003 11000000 100.00 90.00 .00 10.00 10.00C 840

PROD TYPE CI1 CURRENCY 400 ORG SWCH SER 405845004 CONV RATE 07060880 ORG AMT 28.33 NEW AMT 70.81 REV DR AMT 42.48 REV CR AMT .00 STLMT AMT 42.48D STLMT CURRENCY 840 ADJ CDH BILL AMT 42.91D

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY

WORK OF 03/10/06 PAGE 1

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Figure 3.35—SWCHD53 Exception Audit Report (3 of 4)—Issuing Processor

3-65

3-66 CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000000113

,,

PAN 0001131130000000005 MESS TYPE 0420 ADV REASON 490 0010 SWCH SERIAL 408830024 TRACE NO 018493 REFERENCE NO 00920016

SWCHD53

03-10 03-10 03-10 03-02 03-02

000856 000856 000856 000857 001000 075125 US BANK - DHINESH

D E B I T S W I T C H A U D I T R E P O R T P R O C E S S O R

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME

M A S T E R C A R D E X C E P T I O N I S S U I N G

PROD TYPE CURRENCY ORG SWCH SER CONV RATE ORG AMT NEW AMT

MS1 840 402000003 11000000 200.00 100.00

WORK OF 03/10/06 PAGE 2

Reports

Detail Activity Reports

Figure 3.36—SWCHD53 Exception Audit Report (4 of 4)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Detailed Suspect Items Report—SWCHD55 Purpose:

Processors should use this enriched report to determine why a transaction failed. This report can assist in the reconciliation process by identifying the differences between the processor’s internal reports and the MDS reports.

Description:

This report is used to research transactions that did not complete as requested, because of a denial by the processor or the MDS, or a reversal by a processor as indicated by the completion code. These transactions are included in the Transaction Audit Report. One of the following scenarios determines the failure of the transaction: •

When transactions report to the Transaction Audit Report with response codes of “00” (approved) but did not complete as authorized as indicated by the Advice reason code.

•

When transactions report to the Transaction Audit Report with a denial response code indicating authorization has been denied.

Not all response code scenarios report to the SWCHD55. Response codes with an Online Status of “S” (switch denied), do not report to the SWCHD55. Both can be used to investigate the date and time sequence of ATM and POS transactions. The MDS sequences the suspect transactions in response code, current date, and switch date order. The time stamp shown on the report can assist the processor in determining at which step the transaction failed. Interchange type 2 appearing in the PROD TYPE field identifies the ISIS transactions. Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Cardholder Processor Refer to Table 3.10 for a description of the SWCHD55 report fields.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Reports Detail Activity Reports

Table 3.10—SWCHD55 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Body Fields—Display in the body of the report. These fields repeat for each transaction. PAN

2

Primary Number. This is the cardholder number used to identify the being accessed during the transaction.

PROD TYPE

63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. MESS TYPE

mx

CURR DATE

7

The identifier of the financial message type The calendar date on which the transaction occurred on the MDS system Format: MM-DD

CURR TIME

7

The start and end time for the transaction item to complete on the MDS system. Format: HHMMSS

CURRENCY

49

The ISO-assigned currency code. It indicates the local currency used at the terminal.

SWCH SERIAL

63

The unique MDS-assigned number for each transaction that the system processes.

SWCH DATE

7

The date the transaction was processed on the MDS system Format: MM-DD

SWCH TIME

7

The start and end time for the transaction to complete. Format: HHMMSS

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Field

ISO DE Description

CONV RATE - A

9

Currency Conversion rate used to convert local currency to settlement currency where applicable. The MDS does not provide this information for balance inquiry transactions.

TRACE NO

11

The message initiator assigns a unique Trace Number to identify a transaction.

ACQ REC DATE

7

The original settlement date Format: MM-DD

PROC CODE

3

The Processing Code describes the effect of a transaction on a cardholder and the type affected.

REFERENCE NO

37

The serial number printed on the customer receipt.

STLMT DATE

7

The date the transaction was processed on the MDS system.

ACQ INST NAME

43

The name of the bank/processor, including ATM and POS terminals, acquiring the transaction.

INTERCHG AMT

29

The Interchange Fee is the transferred fee between acquiring and card processor in the currency of the acquirer settlement currency for the acquirer, and the issuer settlement currency for the issuer.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field RESP CODE

ISO DE Description 39

The Response Code defines the disposition of a message. Possible response codes are listed below: 00 Approved or completed successfully 04 Capture card 12 Invalid transaction 13 Invalid amount 14 Invalid card number 15 Invalid issuer 30 Format error 41 Lost card 43 Stolen card 51 Insufficient funds/over credit limit 54 Expired card 55 Invalid PIN 57 Transaction not permitted to issuer/cardholder 61 Exceeds withdrawal amount limit 62 Restricted card 75 Allowable number of PIN tries exceeded 78 Invalid or nonexistent specified (general) 79 Invalid business date 80 System not available 91 Destination processor (customer processor system) not available 92 Unable to route transaction

Oct 2006

96 System error

ADDITNL RESP

44

This displays additional ing data pertaining to the response code associated with the transaction.

ACQ LOC

43

The physical location of the ATM or POS terminal

COMP AMT LOCAL

4

The completed amount of the transaction in local currency. Local currency is the currency of the acquirer. This amount does not include fees.

ADV REASON-A

60

The Advice Reason Code indicates the specific purpose of an advice message sent by the issuer.

ISS INST ID

mx

The issuing processor’s Routing and Transit (ABA Number). This number identifies the issuing processor to the MDS.

ACQ INST ID

32

The acquirer processor’s Routing and Transit Number; this is also known as the ABA Number. This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Field

ISO DE Description

COMP AMT

5

Completed amount in the designated acquirer settlement currency for the acquirer, and the designated issuer settlement currency for the issuer. The amount of funds to be transferred between the acquiring and cardholder processor.

ADV REASON-I

60

The Advice Reason Code indicates the specific purpose of an advice message sent by the acquirer.

ISS PROC ID

mx

The MDS-assigned processor number of the issuer involved in the transaction

ACQ PROC ID

33

The MDS-assigned processor number of the acquirer involved in the transaction

STLMT AMT

mx

The amount settled to the acquirer or issuer processor. This field may contain a settlement value in addition to interchange fees.

POS ENTRY

22

The Point of Service entry mode indicates the method used to enter the PAN into the terminal device and the PIN entry capability of that device.

TERMINAL ID

41

The unique ID assigned by the acquirer to each terminal.

POS DATA

61

The Point of Service (POS) data codes identify specific conditions present at the point of service at the time a transaction takes place:

STLMT CURRENCY

mx

•

Customer presence indicator

•

Card presence indicator

•

Card retention indicator

•

Transaction status indicator

•

Transaction security indicator

•

Transaction routing indicator

•

Cardholder-activated terminal level indicator

•

Card data terminal input capability indicator

•

Authorization life cycle indicator

•

Country code indicator

•

Postal code indicator

The currency of the amount being settled to the acquirer or issuer processor. The currency associated with STLMT AMT.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-71

3-72 CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 106215014 TRACE NO 000038 REFERENCE NO 00070031 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 102580013 TRACE NO 000041 REFERENCE NO 00040044 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 102585002 TRACE NO 000075 REFERENCE NO 00110046 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

PROCESSOR : TESTMEMBER PROCESSOR ID: 9000000034

03-15 03-15 03-15 03-16 0B030S02 1000095523 9000000033 34GD

03-15 03-15 03-15 03-16 0B031S02 1000095523 9000000033 34GD

03-15 03-15 03-15 03-16 0B031S02 1000095523 9000000033 34GD

03-15 03-15 03-15 03-16 0B030S02 1000095523 9000000033 34GD

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

144737 000000 000000 144737 001000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

112753 000000 000000 112754 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

112011 000000 000000 112011 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

111538 000000 000000 111539 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

M A S T E R C A R D D E B I T S W I T C H D E T A I L E D S U S P E C T I T E M S A C Q U I R I N G P R O C E S S O R

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 105200013 TRACE NO 000034 REFERENCE NO 00040043 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

SWCHD55

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

.00C .00 .00 .00C 840

CI0 840 11000000

.00C .00 .00 .00C 840

MS1 840 11000000

.00C .00 .00 .00C 840

CI0 840 11000000

.00C .00 .00 .00C 840

CI0 840 11000000

WORK OF 03/16/06 PAGE 1

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Detail Activity Reports

Figure 3.37—SWCHD55 Detailed Suspect Items Report (1 of 2)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

CURR DATE SWCH DATE ACQ REC DATE STLMT DATE ADDITNL RESP ISS INST ID ISS PROC ID TERMINAL ID

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 106230002 TRACE NO 000025 REFERENCE NO 00160002 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 101955005 TRACE NO 000038 REFERENCE NO 00170003 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 791

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 103310003 TRACE NO 000051 REFERENCE NO 00160003 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 791

PROCESSOR : TESTMEMBER PROCESSOR ID: 9000000033

©2006 MasterCard MDS Settlement and Reports • October 2006 03-16 03-16 03-16 03-16 0B060S00 1000095523 9000000033 34GD

03-16 03-16 03-16 03-16 0B060S00 1000095523 9000000033 34GD

03-16 03-16 03-16 03-16 0B031S02 1000095523 9000000033 34GD

03-16 03-16 03-16 03-16 0B030S02 1000095523 9000000033 34GD

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

CURR TIME SWCH TIME PROC CODE ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID POS DATA

103552 000000 000000 103552 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

102825 000000 000000 102825 000000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

093051 000000 000000 093052 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

092846 000000 000000 092846 012000 CHAZ' ACQ SIM LEASE LI FARMINGTON MI 1021000335 9000000034 10000000013

M A S T E R C A R D D E B I T S W I T C H D E T A I L E D S U S P E C T I T E M S I S S U I N G P R O C E S S O R

PAN 0005203340000000335 MESS TYPE 0201 SWCH SERIAL 105215002 TRACE NO 000021 REFERENCE NO 00120002 RESP CODE 30 ADV REASON-A ADV REASON-I POS ENTRY 071

SWCHD55

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

INTERCHG AMT COMP AMT LOCAL COMP AMT STLMT AMT STLMT CURRENCY

PROD TYPE CURRENCY CONV RATE

.00D .00 .00 .00D 840

CI0 840 11000000

.00D .00 .00 .00D 840

CI0 840 11000000

.00D .00 .00 .00D 840

CI0 840 11000000

.00D .00 .00 .00D 840

CI0 840 11000000

WORK OF 03/16/06 PAGE 3

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Reports

Figure 3.38—SWCHD55 Detailed Suspect Items Report (2 of 2)—Issuing Processor

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Reports Detail Activity Reports

Transaction Audit Reports—SWCHD57 and SWCHD108 Note

With MDS Release 06.3, MasterCard will no longer send the Transaction Audit Reports—SWCHD57 and SWCHD108 to . These reports are obsolete and will not be updated or modified in future releases. may use the 250-byte Batch Data File as an alternate reference to locate information that was previously found in the Transaction Audit Reports—SWCHD57 and SWCHD108. To allow more time to convert to the 250-byte Batch Data File format, may request to continue to receive uninterrupted delivery of these reports through 3 April 2007.

Purpose:

For issuers, the report sequence provides tracking capabilities and session (multiple transaction by number) reporting analysis. For acquirers, the report sequence allows processors to review transactions by institution and Terminal ID. (This may be helpful for marketing analysis.)

Description:

This report details all the financial and non-financial transactions, regardless of completion status, that occurred on the settlement day. The report is an audit listing of the data elements contained in transaction messages. Processors choosing not to receive this report will find the same information in the auto-reconciliation file. The SWCHD57 reports two lines of transaction information detail, and the SWCHD108 reports one line of transaction information detail. Interchange type 2 appearing in the PROD TYPE field identifies the ISIS transactions.

Note

Frequency:

Daily

Availability:

Available through Global File Transfer.

There are two versions of the Transaction Audit Report, the SWCHD57 two-line format, and the SWCHD108 one-line format.

Refer to Table 3.11—SWCHD57 Fields for a description of the SWCHD57 report fields.

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Reports Detail Activity Reports

Table 3.11—SWCHD57 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Body Fields—Display in the body of the report. These fields repeat for each transaction. REC DATE

7

The date the transaction was processed on the MDS system

SWCH TIME

7

The time the transaction was processed on the MDS system

SWCH SERIAL NUMBER

63

The unique number assigned by the MDS to each transaction that the system processes.

ACQ NAME

42

The name of the bank/processor acquiring the transaction. This includes both ATM and POS terminals.

PROC CODE

3

Describes the effect of a transaction on a cardholder and the type affected

TRACE NO.

11

The message initiator assigns a unique Trace Number to identify a transaction.

REF NO.

37

Identifies the serial number printed on the customer receipt.

ACQ LOCATION

43

The physical location of the ATM or POS terminal

PAN

2

Primary Number. This is the cardholder number used to identify the being accessed during the transaction.

TERM ID

41

The unique ID assigned by the acquirer to each terminal.

ADV REASON

60

The Advice Reason Code indicates the specific purpose of an advice message.

CASH BACK

54

The Cash Back amount information on a purchase transaction

ACC CHG

28

U.S. only acquirers may apply an additional fee or a surcharge to an ATM transaction. The acquirer must clearly present the surcharge amount to the cardholder before completing the transaction. The surcharge is reported in the Issuer settlement currency on the Issuer report, and in the Acquirer settlement currency on the Acquirer report. The “C” or “D” indicates a Credit or Debit surcharge amount.

PRO

33

The MDS-assigned processor number of the issuer and acquirer involved in the transaction.

ISS INST

MX

The card processor’s Routing and Transit Number (also known as the ABA Number). This number identifies the card processor to the MDS.

ACQ INST

32

The acquirer processor’s Routing and Transit Number (also known as the ABA Number). This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field PROD

ISO DE Description 63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. CC

49

The ISO-assigned currency code. It indicates the local currency used at the terminal.

CONV RATE ISSI

9

Currency conversion rate used to convert local currency to issuer processor settlement currency where applicable. The MDS does not provide this information for balance inquiry transactions.

CONV RATE ACQ

9

Currency conversion used to convert local currency to acquirer processor settlement currency where applicable. The MDS does not provide this information for balance inquiry transactions.

LOC

4

The completed amount of the transaction in local currency. Local currency is the currency of the acquirer. This amount does not include fees.

SETT

5

The settlement amount of the transaction in the settlement currency of the Issuer for the Issuer report, and the Acquirer for the Acquirer report. This amount includes fees. “C” or “D” indicates a credit or debit to the processor indicated in the report title (such as cardholder or acquiring processor).

SETL CURR

49

The currency of the amount being settled to the acquirer or issuer processor. The currency associated with STLMT AMT.

COMP

MX

Completed amount in the settlement currency. On the Issuer report it is the completed amount in Issuer settlement currency, and on the Acquirer report it is the Acquirer settlement currency. The amount of funds to be transferred between the acquiring and cardholder processor.

INT

29

The Interchange Fee transferred between the acquirer and card processor displayed in the currency of the settlement amount where applicable. “C” or “D” indicates Credit or Debit fee.

RESP CD

39

The Response Code defines the disposition of a message.

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Oct 2006

0005854444444418411 00 435 222380359 840 MD0 IL 80010001 280 790017345 840 11012801

AURORA 0005855555555592127 00 435 222380359 840 MD0 Warwick RI 10000000 280 790076933 840 11012104 0005850666666665997 CLEARWATER FL 000 00058777777075013962 GRAND SALINE TX 99999999 0005811111020719851 00 435 222380359 840 MD0 CLEARWATER FL 000 280 790010193 840 11018462 0005850111110027054 00 435 222380359 840 MD0 ST JOESPH MI 000 280 790010193 840 11018293 0005851111111114692 00 435 222380359 840 MD0 Dunkirk NY 10000000 280 790076933 840 11021396 0005851111110015410 00 435 222380359 840 MD0 GLENDALE KY 99999999 280 790063331 840 11010279 0005853333004104788 00 435 222380359 840 MD0 MANHATTAN KS 003 280 790010193 840 11014379 0005855555971076693 00 435 222380359 840 MD0 AMARILLO TX 99999999 280 790016016 840 11021898

07/18 201730009 000000 999998 180920 ORCHARD VALLEY GOLF CO

07/18 201730010 000000 999998 180924 Thrifty Car Rental

07/18 201730011 000000 999998 180929 PERKINS REST 03935509 07/18 201730012 000000 999998 180933 E-Z MART #139

07/18 201730013 000000 999998 180937 PERKINS REST 03935509

07/18 201730014 000000 999998 180941 QDOBA #267 00402Q71

07/18 201730015 000000 999998 180946 Ramada Inn & Conferenc

07/18 201730016 000000 999998 180950 PETRO #30 TRAVL CENTER

07/18 201730017 000000 999998 180954 SAM GOODY 03904547

07/18 201730018 000000 999998 180959 IRON SKILLET #7

00 435 222380359 840 MD0 280 790010193 840 11015873 00 435 222380359 840 MD0 280 790063331 840 11020408

0003333333335014176 00 435 222380359 840 MD0 GRAND SALINE TX 99999999 280 790063331 840 11021014

07/18 201730008 000000 999998 180915 E-Z MART #139

0002222222000024587 00 435 222380359 840 MD0 IL 99999999 280 790016016 840 11013467

MARION

CC ISS INST TRN PRODUCT ACQ INST STL CONV RT

07/18 201730007 000000 999998 180911 WALT'S PIZZA INC.

TERM ID

RESP ISS ADV RSN

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N A U D I T R E P O R T A C Q U I R I N G P R O C E S S O R

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000009994 REC SWCH PROC TRACE DATE SERIAL CODE NO. REF NO. PAN SWCH TIME ACQ NAME ACQ LOC

SWCHD57

©2006 MasterCard MDS Settlement and Reports • October 2006 700 6.85C

4021 39.64C

5209 51.56C

12889 126.19C

1670 16.40C

1655 16.25C

2752 27.09C 1600 15.68C

10536 104.10C

7200 71.09C

826 8.09C

5268 51.98C

6.85 0

39.64 0

51.56 0

126.19 0

16.40 0

16.25 0

27.09 0 15.68 0

104.10 0

71.09 0

8.09 0

51.98 0

.00D .15D

.00D .57D

.00D .53D

.00D 2.70D

.00D .30D

.00D .30D

.00D .43D .00D .32D

.00D 1.26D

.00D .91D

.00D .17D

.00D .70D

-----------------AMOUNTS---------------CMP LOCAL COMPLETED ACCESS CMP SETL CASH BACK INT

SETTLEMENT DATE: 07/19/05 PAGE 1

Detail Activity Reports

Reports

Figure 3.39—SWCHD57 Transaction Audit Report (1 of 2)—Acquiring Processor

3-77

3-78 0005850111111118411 00 084 222380359 840 MD0 IL 80010001 290 790017345 840 11000000

AURORA 0005850811111112127 00 084 222380359 840 MD0 Warwick RI 10000000 290 790076933 840 11000000 0005850222222265997 CLEARWATER FL 000 0005850222222213962 GRAND SALINE TX 99999999 0005850822222222251 00 084 222380359 840 MD0 CLEARWATER FL 000 290 790010193 840 11000000 0005854444444027054 00 084 222380359 840 MD0 ST JOESPH MI 000 290 790010193 840 11000000 0005850444444484692 00 084 222380359 840 MD0 Dunkirk NY 10000000 290 790076933 840 11000000 0005850866666615410 00 084 222380359 840 MD0 GLENDALE KY 99999999 290 790063331 840 11000000 0005850877777777788 00 084 222380359 840 MD0 MANHATTAN KS 003 290 790010193 840 11000000 0005850888888876693 00 084 222380359 840 MD0 AMARILLO TX 99999999 290 790016016 840 11000000

07/18 201730009 000000 999998 180920 ORCHARD VALLEY GOLF CO

07/18 201730010 000000 999998 180924 Thrifty Car Rental

07/18 201730011 000000 999998 180929 PERKINS REST 03935509 07/18 201730012 000000 999998 180933 E-Z MART #139

07/18 201730013 000000 999998 180937 PERKINS REST 03935509

07/18 201730014 000000 999998 180941 QDOBA #267 00402Q71

07/18 201730015 000000 999998 180946 Ramada Inn & Conferenc

07/18 201730016 000000 999998 180950 PETRO #30 TRAVL CENTER

07/18 201730017 000000 999998 180954 SAM GOODY 03904547

07/18 201730018 000000 999998 180959 IRON SKILLET #7

00 084 222380359 840 MD0 290 790010193 840 11000000 00 084 222380359 840 MD0 290 790063331 840 11000000

0005851111115014176 00 084 222380359 840 MD0 GRAND SALINE TX 99999999 290 790063331 840 11000000

07/18 201730008 000000 999998 180915 E-Z MART #139

0005811111111024587 00 084 222380359 840 MD0 IL 99999999 290 790016016 840 11000000

MARION

CC ISS INST TRN PRODUCT ACQ INST STL CONV RT

07/18 201730007 000000 999998 180911 WALT'S PIZZA INC.

TERM ID

RESP ACQ ADV RSN

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N A U D I T R E P O R T I S S U I N G P R O C E S S O R

PROCESSOR : TEST PROCESSOR 1 PROCESSOR ID: 9000098988 REC SWCH PROC TRACE DATE SERIAL CODE NO. REF NO. PAN SWCH TIME ACQ NAME ACQ LOC

SWCHD57

700 6.85D

4021 39.64D

5209 51.56D

12889 126.19D

1670 16.40D

1655 16.25D

2752 27.09D 1600 15.68D

10536 104.10D

7200 71.09D

826 8.09D

5268 51.98D

6.85 0

39.64 0

51.56 0

126.19 0

16.40 0

16.25 0

27.09 0 15.68 0

104.10 0

71.09 0

8.09 0

51.98 0

.00D .15C

.00D .57C

.00D .53C

.00D 2.70C

.00D .30C

.00D .30C

.00D .43C .00D .32C

.00D 1.26C

.00D .91C

.00D .17C

.00D .70C

-----------------AMOUNTS---------------CMP LOCAL COMPLETED ACCESS CMP SETL CASH BACK INT

SETTLEMENT DATE: 07/19/05 PAGE 1

Reports

Detail Activity Reports

Figure 3.40—SWCHD57 Transaction Audit Report (2 of 2)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Acquiring Processor and Cardholder Processor Sort sequences are as follows: •

•

For acquiring processors: −

Acquiring Routing/Transit Number

−

Terminal ID

−

Date

−

Time

For cardholder processors: −

PAN

−

Date

−

Time order

Refer to Table 3.12 for a description of the SWCHD108 report fields. Table 3.12—SWCHD108 Fields Field

ISO DE Description Oct 2006

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Body Fields—Display in the body of the report. These fields repeat for each transaction. ACQ INST

32

The acquirer processor’s Routing and Transit Number; this is also known as the ABA Number. This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

TERM ID

41

The unique ID assigned by the acquirer to each terminal.

ISS PRO/ACQ PRO

33

The MDS assigned processor number of the issuer or acquirer involved in the transaction.

DATE/TIME

7

The date and time the transaction occurred on the MDS system.

PAN

2

Primary Number. This is the cardholder number used to identify the being accessed during the transaction.

PROC CD

3

The Processing Code describes the effect of a transaction on a cardholder and the affected.

TRACE

11

The message initiator assigns a unique Trace Number to identify a transaction.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-79

Reports Detail Activity Reports

Field

ISO DE Description

RESP CODE

39

The Response Code defines the disposition of a message.

ADVICE REASON

60

The Advice Reason Code defines the specific purpose of an advice message.

CMP AMT SETTLEMENT

5

The completed amount in the settlement currency. On the Issuer report it is the Issuer settlement currency, and on the Acquirer report, it is the Acquirer settlement currency. The amount of funds transferred between the acquiring and cardholder processor. This amount does not include fees.

SETTLEMENT CC

49

The ISO assigned currency code. It indicates the settlement currency of the issuer in the issuer report, and the acquirer in the acquirer report.

CMP AMT LOCAL

4

The completed amount of the transaction in local currency. Local currency is the currency of the acquirer. This amount does not include fees.

PROD CODE

63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. ACCESS CHARGE

28

U.S. only acquirers may apply an additional fee or a surcharge to an ATM transaction. The acquirer must clearly present the surcharge amount to the cardholder before completing the transaction. The surcharge is reported in the Issuer settlement currency on the Issuer report, and in the Acquirer settlement currency on the Acquirer report. The “C” or “D” indicates a Credit or Debit surcharge amount.

INTER FEE

29

The Interchange Fee is the transferred fee between acquiring and card processor in the settlement currency of the Issuer on the Issuer report, and in the settlement currency of the Acquirer on the Acquirer report. “C” or “D” indicates a Credit or Debit fee.

3-80

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

1

840001104,LK398876 509 840001104 LK398876 509 840001104 LK398876 509 840001104 LK398876 509 840001104 LK398932 484 840001104 LK398936 509 840001104 LK398967 024 840001104 LK398980 509 840001104 LK398980 509 840001104 LK398983 323 840001104 LK398983 323 840001104 LK398983 060 840001104 LK398983 509 840001104 LK398983 509 840001104 LK398990 509 ***** SUSPECT 840001104 LK398990 509 840001104 LK398990 509 840001104 LK398990 509 840001104 LK398990 509 840001104 LK398990 509 840001104 LK398990 509 840001104 LK398990 509 840001104 LK399009 724 840001104 LK416131 509 840001104 LK416131 509 840001104 LK479834 057 840001104 LK479834 057 840001104 LK479834 057 840001104 LK479834 057 840001104 LK479838 509 840001104 LK479839 509 840001104 LK479839 509 840001104 LK479839 509 840001104 LK479839 724 840001104 LK479848 509 840001104 LK479848 509 840001104 LK479848 509 840001104 LK479848 509

PAN 269083 269243 272975 275829 274549 166320 165566 166632 269325 267829 268026 272933 273710 273727 165560 166749 166776 268333 269180 270100 274153 275878 269439 268628 271906 268298 268647 268658 268676 271196 267143 268212 268231 268394 166628 166646 266889 266957

012000 012000 012000 012000 012000 012000 011000 302000 012000 011000 013000 013000 013000 013000 012000 012000 012000 012000 012000 011000 012000 011000 011000

©2006 MasterCard MDS Settlement and Reports • October 2006 ADVICE REASON

00 4500018 00 00 00 00 00 00 00 00 00 00 57 57 00 00 00 55 00 00 00 00 00 00

00 00 00 00 00 54 00 00 00 00 00 00 00 00 00

RSP TRACE CDE

012000 012000 011000 011000 301000 011000 011000 012000 011000 012000 012000 013000 012000 302000 012000

PROC CODE

.00 101.75 21.75 101.75 201.75 81.75 21.75 .00 41.75 41.75 81.75 .00 .00 21.75 201.75 101.75 .00 101.75 101.75 101.75 81.75 101.75 101.75

201.75 41.75 101.75 21.75 .00 .00 21.75 41.75 81.75 21.75 21.75 41.75 21.75 .00 21.75 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840

840 840 840 840 840 840 840 840 840 840 840 840 840 840 840

CMP AMT STL SETTLEMENT CC

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N A U D I T R E P O R T A C Q U I R I N G P R O C E S S O R

0402061740 0005465272500068350 0402061749 0005510703041820185 0402062112 0005081810029193805 0403060644 0005262192026516747 0402062339 0005189191151040713 0402061540 0005858211042301155 0402061509 5833901111265066609 0402061553 0005262188478945962 0402061753 0005262188521182886 0402061644 0004315820001607004 0402061652 0004315820001607004 0402062109 0005182210000068696 0402062207 0005262192020461718 0402062207 0005262192020461718 0402061509 0005262196032761163 TRANSACTION FOLLOWS ***** 0402061558 0005262191029085171 0402061559 0005262191029085171 0402061707 0005262196003411756 0402061745 0005262191030830243 0402061831 0000062188984797272 0402062250 0005262193023387728 0403060655 0005262188768073210 0402061758 0005443687703766798 0402061720 0005262188385292839 0402062006 0005262193018310040 0402061705 0005121079640984651 0402061721 0005121079640984651 0402061721 0005121079640984651 0402061722 0005121079640984651 0402061925 0005858211901171970 0402061616 0005510702045461723 0402061702 0005362188443981471 0402061702 0005362188443981471 0402061710 0005443687700171406 0402061553 0005858213045888436 0402061554 0005262191031518185 0402061604 0005858213045888436 0402061607 0005858213045888436

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9999999999 ISS ACQ INST TERM ID PRO DATE/TIME

SWCHD108 REPORT

.00 101.75 21.75 101.75 201.75 81.75 21.75 .00 41.75 41.75 81.75 .00 .00 21.75 201.75 101.75 .00 101.75 101.75 101.75 81.75 101.75 101.75

201.75 41.75 101.75 21.75 .00 .00 21.75 41.75 81.75 21.75 21.75 41.75 21.75 .00 21.75 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MC0 MC0 MC0 MC0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0

MS0 MS0 MS0 MS0 CI0 MS0 CI0 MS0 MS0 CI0 CI0 MC0 MS0 MS0 MS0

CMP AMT PROD LOCAL CODE

.00 1.75 1.75 1.75 1.75 1.75 1.75 .00 1.75 1.75 1.75 .00 .00 1.75 1.75 1.75 .00 1.75 1.75 1.75 1.75 1.75 1.75

1.75 1.75 1.75 1.75 .00 .00 1.75 1.75 1.75 1.75 1.75 1.75 1.75 .00 1.75

ACCESS CHARGE

.25C .50C .50C .50C .50C .50C .50C .25C .50C .50C .50C .25C .25C .50C .50C .50C .25C .50C .50C .50C .50C .50C .50C

.50C .50C .50C .50C .25C .25C .50C .50C .50C .50C .50C .50C .50C .25C .50C

INTER FEE

SETTLEMENT DATE: 03/16/06 PAGE 1

Detail Activity Reports

Reports

Figure 3.41—SWCHD108 Transaction Audit Report (1 of 2)—Acquiring Processor

3-81

3-82

1

0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005 0005500900000000005

202000 203000 200000 280010 280020 280030 280000 501000 502000 503000 500000 001000 002000 003000 000000 901000 902000 903000 900000 401020 402010 210010 210020 301000 300000 302000 303000 300000 001000 002000 003000 000000 011000 012000 013000 010000 001000 002000 003000

004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004 004

0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061100 0317061101 0317061101 0317061101 0317061101 0317061101 0317061101 0317061615 0317061615 0317061615 0317061615 0317061615 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616 0317061616

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9999999999 PROC ACQ PAN CODE PRO DATE/TIME

SWCHD108 REPORT

021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047 021000047

ACQ INST-ID 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD 4GD

TERM ID 000057 000059 000061 000063 000065 000067 000069 000071 000073 000075 000077 000079 000081 000083 000085 000087 000089 000091 000093 000095 000097 000102 000104 000106 000108 000110 000112 000114 000116 000118 000120 000122 000124 000126 000128 000130 000132 000134 000136

00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00

RSP TRACE CDE

ADVICE REASON 25.00 26.00 27.00 28.00 29.00 30.00 31.00 32.00 33.00 34.00 35.00 36.00 37.00 38.00 39.00 .00 .00 .00 .00 .00 .00 10.00 11.00 .00 .00 .00 .00 .00 12.00 13.00 14.00 15.00 16.00 17.00 18.00 19.00 20.00 21.00 22.00

840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840 840

CMP AMT STL SETTLEMENT CC

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N A U D I T R E P O R T I S S U I N G P R O C E S S O R

25.00 26.00 27.00 28.00 29.00 30.00 31.00 32.00 33.00 34.00 35.00 36.00 37.00 38.00 39.00 .00 .00 .00 .00 40.00 41.00 10.00 11.00 .00 .00 .00 .00 .00 12.00 13.00 14.00 15.00 16.00 17.00 18.00 19.00 20.00 21.00 22.00

CI0 CI0 CI0 CI0 CI0 CI0 CI0 CI0 CI0 CI0 CI0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 CI0 CI0 CI0 CI0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 MS0 CI0 CI0 CI0 CI0 MS0 MS0 MS0

CMP AMT PROD LOCAL CODE 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50 1.50

ACCESS CHARGE .00 .00 .00 .50C .51C .53C .54C .00 .00 .00 .00 .42C .43C .44C .44C .00 .00 .00 .00 .25 .25 1.25 1.25 .00 .00 .00 .00 .00 .24C .25C .26C .26C .50 .50 .50 .50 .30C .31C .32C

INTER FEE

SETTLEMENT DATE: 03/12/06 PAGE 1

Reports

Detail Activity Reports

Figure 3.42—SWCHD108 Transaction Audit Report (2 of 2)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Retrieval Request/Fulfillment Report—SWCHD118 Purpose:

Debit MasterCard processors can use this report to track retrievals, to monitor retrievals, and to ensure that acquirers have processed and fulfilled retrievals.

Description:

This report details retrieval requests and fulfillments, and contains summary totals, by product, for all the items. The MDS sequences the transactions according to reversal code.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Cardholder Processor Refer to Table 3.13 for a description of the SWCHD118 report fields. Table 3.13—SWCHD118 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Body Fields—Display in the body of the report. These fields repeat for each item. PAN

2

Primary Number. This is the cardholder number used to identify the transaction’s assessed .

©2006 MasterCard MDS Settlement and Reports • October 2006

3-83

Reports Detail Activity Reports

Field PROD TYPE

ISO DE Description 63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. MESS TYPE

NA

The identifier of the financial message type

CURR DATE

13

The calendar date the exception item occurred on the MDS.

CURR TIME

12

The start and end time for the exception item to complete on the MDS system. Format: HHMMSS

CURRENCY

49

The ISO assigned currency code. It indicates the local currency used at the terminal.

ADV REASON

60

Advice Reason Code. Indicates the specific purpose of an advice message. The last two digits of the Advice Reason Code indicates the Reversal Reason Code.

SWCH DATE

7

The date the transaction was processed on the MDS system.

SWCH TIME

7

The start and end time for the transaction to complete. Format: HHMMSS

ORG SWCH SER

NA

The unique number assigned by the MDS to each transaction processed in the system.

SWCH SERIAL

63

The unique number assigned by the MDS to identify this adjustment.

STLMT DATE

15

System settlement date of the exception item

PROC CODE

3

The Processing Code describes the effect of a transaction on a cardholder , and the type affected for the original transaction.

CONV RATE-A

3-84

NA

Currency Conversion rate used to convert local currency to settlement currency where applicable. The MDS does not provide this information for balance inquiry transactions.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Detail Activity Reports

Field

ISO DE Description

TRACE NO.

11

The message initiator assigns a unique Trace Number to identify a transaction. This represents the trace no. of the original transaction.

ORG DATE

90

The date on which the transaction originally occurred on the MDS system

ORG TIME

90

The time at which the transaction originally occurred on the MDS system The format is HHMMSS

REFERENCE NO

37

Identifies the serial number printed on the customer receipt.

ACQ REC DATE

NA

The original settlement date

ACQ INST NAME

NA

The name of the bank/processor acquiring the transaction. This includes both ATM and POS terminals.

ORG AMT

90

The amount that was settled in the original transaction

RESP CODE-A

NA

The response code of the original transaction.

TERMINAL ID

41

The unique ID assigned by the acquirer to each terminal.

ACQ LOC

NA

The physical location of the ATM or POS terminal

NEW AMT

95

The amount to affect the exception item. This will be the acquirer processor settlement currency for the acquirer, and the issuer processor settlement currency for the issuer.

RESP CODE - I

NA

The response code of the exception item

ISS INST ID

NA

The issuing processor’s Routing and Transit (ABA Number.) This number identifies the issuing processor to the MDS.

ACQ INST ID

32

The acquirer processor’s Routing and Transit Number; this is also known as the ABA Number. This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

REV DR AMT

NA

The amount reversed in the original transaction that results in a debit to the cardholder, reporting in the issuer processor’s settlement currency to the issuer, and in he acquirer processor’s settlement currency to the acquirer.

ORG ADV RSN-A

60

The original Advice Reason Code indicating the specific purpose of an advice message received for a transaction that did not complete as authorized.

ISS PROC ID

NA

The MDS assigned processor number of the issuer involved in the transaction.

ACQ PROC ID

33

The MDS assigned processor number of the acquirer involved in the transaction.

STLMT AMT

NA

The new settlement amount after the adjustment. The settlement amount will report to the acquirer in the acquirer processor’s settlement currency, and to the issuer in the issuer processor’s settlement currency. The settlement amount includes the reimbursed portion of the interchange fee.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field

ISO DE Description

REV CR AMT

NA

The amount reversed in the original transaction that results in a credit to the cardholder, reporting in the issuer processor’s settlement currency to the issuer, and in the acquirer processor’s settlement currency to the acquirer.

ORG ADV RSN-I

60

The original Advice Reason Code indicating the specific purpose of an advice message received for a transaction that did not complete as authorized.

ORG ISS ID

NA

The cardholder processor number contained in the original transaction

ORG ACQ ID

33

The acquirer processor number contained in the original transaction

STLMT CURRENCY

NA

The currency of the amount being settled to the acquirer or issuer processor. The currency associated with STLMT AMT.

USAGE CODE a

The usage code is used to identify the current cycle of the chargeback.

DOC IND a

6

Retrieval Request

7

Fulfillment

Specific requirements based on the cycle of the chargeback determines the need for a member to provide ing documentation. Blank 1

No documentation will follow

Documentation will follow

REJ CODE a

Reserved for future use

COND CODE a

The condition code denotes how the acquirer originally processed the transaction. 00 Online authorization, no PIN, PAN entry unknown 18 Online authorization, no PIN, PAN entry via magnetic stripe

Online authorization, no PIN, PAN entry via hand key ADDITIONAL DATA a

Used by the operator processing the adjustment to provide the receiving member with specific information about the transaction. Can be the name and number.

MERCH CODE a

The Merchant Code is a classification code used to identify the type of merchant.

Total Fields—Display across the bottom of the page for each item. EXCEPTION ITEM TYPE RETRIEVAL REQUESTS

NA

Identifies the type of exception item processed. Retrieval Requests-Provides the number of retrieval requests for the Debit MasterCard and a grand total. Fulfillments-Provides the number of fulfilled retrieval requests for Debit

FULLFILLMENTS

MasterCard and a grand total.

TOTAL

Provides the total amount number of retrieval requests and fulfillments for Debit MasterCard and a grand total amount

a

The product type determines if this field is present on the report.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

RETRIEVAL REQUESTS MASTERCARD DEBIT 1 TOTAL 1

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID DOC IND

FULFILLMENTS 0 0

03-22 03-22 03-23 03-18 03-11 99999999 1011111111 9000111111 9000111111 2

R E P O R T

134615 134615 134615 134618 000000 091929 TEST INSTITUTION 2 HAMILTON OH 1077777777 9000777777 9000777777

TOTAL 1 1

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID REJ CODE

M A S T E R C A R D D E B I T S W I T C H R E T R I E V A L R E Q U E S T / F U L F I L L M E N T A C Q U I R I N G P R O C E S S O R PROCESSOR : TEST PROCESSOR 1 PROCESSOR ID: 9000111111

PAN 0001111111111111111 MESS TYPE 0420 ADV REASON 487 0041 SWCH SERIAL 428993832 TRACE NO 999999 REFERENCE NO RESP CODE-A 00 0A3RDAK000000 RESP CODE-I 30 010A3RDAK0000 ADV REASON -A 487 0041 ADV REASON -I USAGE CODE 6 ADDITIONAL DATA

SWCHD118

PROD TYPE CURRENCY CODE ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY COND CODE MERCH CODE

MD0 840 225033641 11000000 1,000.00 1,000.00 .00 .00 .00D 840 0110009090 6010

WORK OF 03/23/05 PAGE 1

Detail Activity Reports

Reports

Figure 3.43—SWCHD118 Retrieval Request/Fulfillment Report (Page 1 of 2)—Acquiring Processor

©2006 MasterCard MDS Settlement and Reports • October 2006

3-87

3-88

RETRIEVAL REQUESTS MASTERCARD DEBIT 2 TOTAL 2

CURR DATE SWCH DATE STLMT DATE ORG DATE ACQ REC DATE TERMINAL ID ISS INST ID ISS PROC ID ORG ISS ID DOC IND

FULFILLMENTS 0 0

05-16 05-16 05-17 04-22 04-20 01002021 1033333333 9000333333 9000333333 1

R E P O R T

120045 120045 120045 120051 000000 061702 TEST INSTITUTION 5 75PARIS FRA 1055555555 9000777777 9000777777

TOTAL 2 2

CURR TIME SWCH TIME PROC CODE ORG TIME ACQ INST NAME ACQ LOC ACQ INST ID ACQ PROC ID ORG ACQ ID REJ CODE

M A S T E R C A R D D E B I T S W I T C H R E T R I E V A L R E Q U E S T / F U L F I L L M E N T I S S U I N G P R O C E S S O R

PROCESSOR : TEST PROCESSOR 2 PROCESSOR ID: 9000777777

PAN 0002222222222222222 MESS TYPE 0400 ADV REASON 487 0042 SWCH SERIAL 428277727 TRACE NO 999999 REFERENCE NO RESP CODE-A 00 0375903000000 RESP CODE-I 0103759030000 ADV REASON -A 487 0042 ADV REASON -I USAGE CODE 6 ADDITIONAL DATA

SWCHD118

PROD TYPE CURRENCY CODE ORG SWCH SER CONV RATE ORG AMT NEW AMT REV DR AMT REV CR AMT STLMT AMT STLMT CURRENCY COND CODE MERCH CODE

MD1 978 420491412 07581728 2,637.92 2,637.92 .00 .00 .00D 840 0110000090 5812

WORK OF 03/23/05 PAGE 2

Reports

Detail Activity Reports

Figure 3.44—SWCHD118 Retrieval Request/Fulfillment Report (Page 2 of 2)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

File Updates—SWCHD141-1 Purpose:

This report gives MDS-connected issuer processors the ability to review modifications made to card adjustment files for card numbers residing on the Banknet Stand-In File.

Description:

This report provides an audit trail of Online File Update messages sent to the Banknet® telecommunications network by NICS™ or Online message sending methods. Card number records added, changed, or deleted by the MDS, appear daily in this report. The report logs record updates by Processor ID if multiple processors are owned, and then by PAN and Switch Date/Time values in ascending order.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.14 for a description of the SWCHD141-1 report fields. Table 3.14—SWCHD141-1 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. PAN

2

The column lists the Primary Number associated with the card record that was updated.

TRACE NUMBER

11

Every file update request message is assigned a unique identification number called a Trace Number. This number provides a message trail between message initiators and the Banknet® telecommunications network and MDS Stand-In processes.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field TYPE OF UPDATE

ISO DE Description 91

(ADDITIONAL RESPONSE DATA)

This column specifies the action that issuing processors took in regard to card number records residing in the Banknet Stand-In File and AMS repository. Valid update types include: MCC102 Add, Change, and Delete

ADDITIONAL RESPONSE DATA If an error condition exists, ERROR, appears in this column. Error Codes 120001

•

The PAN received was not numeric.

•

The BIN in the PAN was not on file.

•

The BIN did not belong to the message initiator.

•

The check digit of the PAN was incorrect.

•

The PAN received was not on the file.

120002

•

The Entry reason was not P, L, S, X, O, F, V, G, C, or U.

120005

•

The PIN length was not numeric or contained spaces.

120006

• REASON CODE

MCI CUST ID

120

The Entry Reason was “V”, but the VIP Transaction Amount was not numeric.

This column lists the reason why the card number was reported. Valid Reason Codes for MCC102 File Updates

120

C

Credit

F

Fraud

G

Gold

L

Lost

O

Other

P

Capture Card

S

Stolen

U

Unauthorized

V

VIP Status

X

Counterfeit

This column displays the Issuer ICA number that MasterCard assigned.

SWITCH DATE

7

This is the date that the update was made to the file (format: MM/DD/YY).

SWITCH TIME

7

This is the time of the day that the update was made to the file (format: HHMMSS).

VIP TRANS AMOUNT

3-90

120

This column displays the maximum monetary amount that can be authorized by MasterCard Stand-In processing in a four-day period. This amount is set in the MCC102 Banknet® telecommunications network file. ©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Field

ISO DE Description

CURRENCY CODE

120

An ISO currency code appears in this field and indicates the currency of the money reported in the VIP TRANS AMOUNT column. This currency is set in the MCC102 Banknet® telecommunications network file.

RESP CODE

120

This column displays the issuer’s response code. Issuer Response Codes 00 Completed successfully 25 Unable to locate record on file 27 File update field edit error 30 Format error 40 Requested function not ed 80 Duplicate add, action not performed 96 System error

MESSAGE SOURCE

NA

There are two methods for updating the Banknet® telecommunications network AMS and MDS Stand-In database files. The first method is to make card adjustments using the NICS™ application (MASTERCARD DEBIT HOTCARD FACILITY). The second method allows issuing processors to by the NICS™ application and send 0302 online messages directly to the Banknet® telecommunications network through the MDS. Interface Values NICS™ A NICS™ performed the file update. ONLINE A processor sent the file update to the MDS or Banknet®

telecommunications network through a 0302 online message. GROUP NUMBER

NA

This column applies only to file updates with a “NICS™” Message Source, and identifies the NICS™ group responsible for the file update.

NUMBER

NA

This column applies only to file updates with a “NICS™” Message Source, and identifies the NICS™ who made the file update.

©2006 MasterCard MDS Settlement and Reports • October 2006

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3-92 M A S T E R C A R D D E B I T S Y S T E M B A N K N E T A M S A C C O U N T F I L E U P D A T E S WORK OF 04/25/05 PAGE 1

PROCESSOR : TEST BANK #1 PROCESSOR ID: 9000099995 TRACE TYPE OF REASON MCI SWITCH SWITCH VIP CURRENCY RESP MESSAGE GROUP PAN NUMBER UPDATE CODE CUST ID DATE TIME TRANS AMOUNT CODE CODE SOURCE NUMBER NUMBER ----------------------------------------------------------------------------------------------------------------------------------5411212123434015 364013 ERROR * S 002202 04/25/05 125643 27 NICS 9999 999 * ADDITIONAL RESPONSE DATA: 06120001 5411212123434016 364007 ERROR * L 002202 04/25/05 125534 27 NICS 9999 999 * ADDITIONAL RESPONSE DATA: 06120006

SWCHD141-1

Reports

Detail Activity Reports

Figure 3.45—SWCHD141-1 Banknet AMS, File Updates Report

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Management File Updates—SWCHD141-2 Purpose:

This report gives MDS-connected issuer processors the ability to review modifications made to card adjustment files for card numbers residing in the MDS Banknet AMS ( Management System) repository.

Description:

This report provides an audit trail of Online File Update messages sent to the Banknet® telecommunications network by NICS™ or Online message sending methods. Card number records that were added, changed, or deleted appear daily in this report. The report logs record updates by Processor ID if multiple processors are owned, and then by PAN and Switch Date/Time values in ascending order.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine

Refer to Table 3.15 for a description of the SWCHD141-2 report fields. Table 3.15—SWCHD141-2 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. PAN

2

The column lists the Primary Number associated with the card record that was updated.

TRACE NUMBER

11

Every file update request message is assigned a unique identification number called a Trace Number. This number provides a message trail between message initiators and the Banknet® telecommunications network and MDS Stand-In processes.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field TYPE OF UPDATE

ISO DE Description 91/44

(Additional Response Data)

This column specifies the action that issuing processors took in regard to card number records residing in the Banknet Stand-In File and AMS repository. Valid update types include: MCC103 (DE91) Add/Change and Delete

ADDITIONAL RESPONSE DATA If an error condition exists, ERROR, appears in this column. Error Codes (DE 44) 120001

•

The PAN received was not numeric.

•

The BIN in the PAN was not on file.

•

The BIN did not belong to the message initiator.

•

The check digit of the PAN was incorrect.

•

The PAN received was not on the file.

120002

•

Issuing ICA (member ID) is not associated with primary number’s BIN.

120003

•

Product type is not equal to MCB, MCC, MCD, MCF, MCG, MCS, MCW, MNS, MPL, or OTH.

120004

•

Response code not equal to 04–capture card

120005

•

The Entry reason was not C, X, O, or F.

120006

•

Regional indicator is not equal to 1, A, B, C, D, or E.

120007

REASON CODE

MCI CUST ID

120

•

Region-requested purge date invalid

•

Region-requested purge date not equal to current or future date

This column lists the reason why the card number was reported. Valid Reason Codes for MCC103 File Updates

120

C

Credit

F

Fraud

O

Other

X

Counterfeit

This column displays the Issuer ICA number that MasterCard assigned.

SWITCH DATE

7

This is the date that the update was made to the file (format: MM/DD/YY).

SWITCH TIME

7

This is the time of the day that the update was made to the file (format: HHMMSS).

3-94

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Field REGIONAL INFO

ISO DE Description 120

The first character shown in this column depicts the region code of the listing. The next six digits depict the date the entry was requested to be purged from the Electronic Warning Bulletin file. For example, if the REGIONAL INFO value is “1030102”, then the listed region is United States (1030102), and the listing entry will no longer be in effect on Jan 2, 2003 (1030102). Valid Region Codes 1

United States

A

Canada

B

Caribbean, Central America, Mexico, and South America

C

Asia and Pacific

D

Europe

E

Middle East and Africa

The date format is: YYMMDD For regions A-E, the actual purge date will align with the printing schedule of the Warning Bulletin. RESP CODE

120

This column displays the issuer’s response code. Issuer Response Code 00 Completed successfully 27 File Update field error 30 Format error 40 Requested function not ed 63 Security Violation 96 System error

MESSAGE SOURCE

NA

There are two methods for updating the Banknet AMS repository. The first method is to make card adjustments using the NICS™ application (MASTERCARD DEBIT HOTCARD FACILITY). The second method allows issuing processors to by the NICS™ application and send 0302 online messages directly to the Banknet® telecommunications network through the MDS gateway. Interface Values NICS™ A NICS™ performed the file update. ONLINE A processor sent the file update to the MDS or Banknet®

telecommunications network through a 0302 online message. GROUP NUMBER

NA

This column applies only to file updates with a “NICS™” Message Source, and identifies the NICS™ group responsible for the file update.

NUMBER

NA

This column applies only to file updates with a “NICS™” Message Source, and identifies the NICS™ who made the file update.

©2006 MasterCard MDS Settlement and Reports • October 2006

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3-96 M A S T E R C A R D D E B I T S Y S T E M B A N K N E T A M S A C C O U N T M G T F I L E U P D A T E S WORK OF 06/29/05 PAGE 1

PROCESSOR : TEST INSTITUTION PROCESSOR ID: 9000044555 TRACE TYPE OF REASON MCI SWITCH SWITCH REGIONAL RESP MESSAGE GROUP PAN NUMBER UPDATE CODE CUST ID DATE TIME INFO CODE SOURCE NUMBER NUMBER ----------------------------------------------------------------------------------------------------------------------------------5419898980400001 394122 ADD/CHANGE F 002202 06/28/05 152520 1051031 00 NICS 8888 999 B051031 5419797970400001 394126 ADD/CHANGE F 002202 06/28/05 152558 1051031 00 NICS 8888 999 B051031 C051031

SWCHD141-2

Reports

Detail Activity Reports

Figure 3.46—SWCHD141-2 Banknet AMS, Management File Updates Report

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Recurring Payment Cancellation Service—SWCHD141-3 Purpose:

This report gives MDS-connected issuer processors the ability to identify and review all additions and changes to Recurring Payment Cancellation Service records.

Description:

This report provides an audit trail of Online File Update messages sent to the Banknet® telecommunications network by NICS™. Recurring Payment Cancellation Service records that were added, changed, or deleted appear daily in this report. The report logs record updates by Processor ID if multiple processors are owned, and then by PAN and Switch Date/Time values in ascending order.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine

Refer to Table 3.16—SWCHD141-3 Fields for a description of the SWCHD141-3 report fields. Table 3.16—SWCHD141-3 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. PRIMARY ACCT NO

2

The column lists the Primary Number (16 digits) associated with the card record that was updated.

ACQ CUST ID

The 6-digit institution ID truncated from the 10-digit Institution ID shown on the Transaction Processing screen.

CARD AT ID CODE

The Merchant ID. This number identifies the business where the transaction occurred.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field TYPE OF UPDATE

ISO DE Description 91/44

This column specifies the action that issuing processors requested. Valid update types include: Add, Change, Delete or Error

ADDITIONAL RESPONSE DATA If an error condition exists, ERROR, appears in this column. Error Codes (DE 44) 06120000

Pan record is a duplicate

06120001

Error on PAN

06120002

Error on Entry Reason

06120003

Error on Purge Date

06120004

Error on Acquirer ICA

06120006

Error on Transaction Low Amount

06120007

Error on Transaction High Amount

LOW TRAN AMOUNT

The amount on which the cancellation request will be matched or the starting point of a range.

HIGH TRAN AMOUNT

The amount on which the cancellation request will be matched or the ending point of a range.

SWITCH DATE

7

This is the date that the update was made to the file (format: MM/DD/YY).

SWITCH TIME

7

This is the time of the day that the update was made to the file (format: HHMMSS)

MESSAGE SOURCE

NA

The method for updating the Banknet AMS repository is to make card adjustments using the NICS™ application (MASTERCARD DEBIT HOTCARD FACILITY). Interface Values NICS™ A NICS™ performed the file update.

GROUP NUMBER

NA

This column identifies the NICS™ group responsible for the file update.

NUMBER

NA

This column identifies the NICS™ who made the file update.

3-98

©2006 MasterCard October 2006 • MDS Settlement and Reports

: TESTBANK USA

ID

ACQ CUST ID CODE

CARD AT UPDATE

TYPE OF AMOUNT

LOW TRAN AMOUNT

HIGH TRAN

RECURRING PAYMENT CANCELLATION SERVICE

BANKNET AMS

MASTERCARD DEBIT SYSTEM

DATE

SWITCH TIME

SWITCH SOURCE

MESSAGE NUMBER

GROUP

PAGE

NUMBER



1

WORK OF 03/10/06

ERROR *

©2006 MasterCard MDS Settlement and Reports • October 2006 001601 00623131070E6R 001527 353109493030459 ERROR *

5410446006600660

5410446006600660

ERROR *

006333 00272480002JRF

ADD ERROR *

ERROR *

* ADDITIONAL RESPONSE DATA: 06120000

006333 00272480002JRF

* ADDITIONAL RESPONSE DATA: 06120003

006333 00272480002JRF

* ADDITIONAL RESPONSE DATA: 06120003

006333 00272480002JRF

5410446006600660

5410446006600660

DELETE

CHANGE

* ADDITIONAL RESPONSE DATA: 06120003

5410446006600660

5410446006600660

001601 00623131070E6R

5410446006600660

ADD

001601 00623131070E6R

ADD

001601 07184043577MOV

5410446006600660

* ADDITIONAL RESPONSE DATA: 06120003

001601 07184043577MOV

5410446006600660

5410446006600660

20.00

20.00

11.00

11.00

150.00

10.00

10.00

10.00

10.00

10.00

21.00

21.00

20.00

20.00

175.00

75.00

75.00

75.00

20.00

20.00

103523

094642

094519

094407

093427

065515

065427

NICS

NICS

NICS

NICS

NICS

NICS

NICS

03/10/06

03/10/06

110719

110712

NICS

NICS

03/10/06 ,103617, NICS

03/10/06

03/10/06

03/10/06

03/10/06

03/10/06

03/10/06

03/10/06

9999

9999

9999

9999

8888

8888

8888

8888

9999

9999

708

708

708

708

701

701

701

701

708

708

-----------------------------------------------------------------------------------------------------------------------------------

PRIMARY ACCT NO

PROCESSOR ID: 9999999999

PROCESSOR

SWCHD141-3

Detail Activity Reports

Reports

Figure 3.47—SWCHD141-3 Banknet AMS, Recurring Payment Cancellation Service Report

3-99

Reports Detail Activity Reports

Maestro® POS Transaction Audit Report—SWCHD144 Purpose:

For issuers the report sequence provides tracking capabilities and session reporting analysis. For acquirers, the report sequence allows processors with multiple corresponding to review transactions by Institution and Term ID.

Description:

This report details Maestro International (only) financial and non-financial transactions, regardless of completion status, that occurred on the settlement day. Intra-country (ISIS) transactions are not included in this report. International Maestro® interchange fees are not online and not reflected on this report. The MDS sequences all transactions for: •

The cardholder in PAN, date, and time order, and sequences transactions

•

The acquirer in routing transit number, terminal ID, date and time order

Processors choosing not to receive this report will find the same information in the auto-reconciliation file. Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.17 for a description of the SWCHD144 report fields.

Note

3-100

The display sequence of the fields on the SWCHD144 report will vary according to the type of processor order (acquiring or issuing).

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Detail Activity Reports

Table 3.17—SWCHD144 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. ACQ INST

32

The acquirer processor’s Routing and Transit Number (also known as the ABA Number). This number identifies the acquirer to the MDS and can identify either an ATM or POS processor.

TERM ID

41

The unique ID assigned by the acquirer to each terminal.

ISS PRO/ACQ PRO

33

The MDS assigned processor number of the issuer and acquirer involved the transaction.

PAN

2

Primary Number. The MDS uses the cardholder number to identify the being accessed during the transaction.

PROC CODE

3

The Processing Code describes the effect of a transaction on a cardholder and the type affected.

TRACE

11

The message initiator assigns a unique Trace Number to identify a transaction.

RESP CODE

39

The Response Code defines the disposition of a message.

ADV REASON

60

The Advice Reason Code indicates the specific purpose of an advice message. The last two digits of the Advice Reason Code can indicate the reversal reason code.

CMP AMT SETTLEMENT

mx

Completed amount in the designated settlement currency of the acquirer processor for the acquirer, and the settlement currency of the issuer processor for the issuer. The amount of funds to be transferred between the acquiring and issuer processor.

STL CC

NA

Currency code of the completed amount being settled.

CMP AMT LOCAL

4

The completed amount of the transaction in local currency. Local currency is the currency of the acquirer. This amount does not include fees.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field PROD CODE

ISO DE Description 63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. ACCESS CHARGE

28

The additional fee or surcharge to an ATM transaction. This will report in the acquirer processor’s designated settlement currency for the acquirer, and the issuer processor’s designated settlement currency for the issuer.

INTER FEE

29

The Interchange Fee is the transferred fee between acquiring and card processor in the settlement currency of the acquirer processor for the acquirer, and the issuer processor’s settlement currency for the issuer.

SUSPECT TRANSACTION FOLLOWS

The transaction following this message is a partial dispense, indicating this transaction did not complete per the amount authorized. This message is triggered from the Advice Reason Code (DE 60), subfield named Condition Code, that is generated by the MDS online to the batch. This will occur for an approved financial transaction that completed for an amount other than what was requested.

S

The “S” that appears on the Issuer report in the first column designates that the condition code indicator reflects No PIN Entered on Transaction.

3-102

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

120GD 120GD 120GD 120GD 120GD 120GD

TERM ID 000008 000028 000034 000038 000043 000049

ADVICE REASON

00 451 0010 00 00 14 14 14

RSP TRACE CDE .23 2.33 2.33 .00 .00 .00

CMP AMT SETTLEMENT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS TRANSACTION AUDIT REPORT I S S U I N G P R O C E S S O R

PROC ACQ ACQ PAN CODE PRO DATE/TIME INST-ID ***** SUSPECT TRANSACTION FOLLOWS ***** 0001231210000000008 001000 120 0718050021 000000123 0001231210000000008 001000 120 0718050038 000000123 0001231210000000008 001000 120 0718050039 000000123 0001231210000000008 001000 120 0718050040 000000123 0001231210000000008 001000 120 0718050042 000000123 0001231210000000008 001000 120 0718050048 000000123

. .

SWCHD144 . REPORT 1 . . PROCESSOR : TEST PROCESSOR 1 . PROCESSOR ID: 9000008899

840 840 840 840 840 840

STL CC 1000 10000 10000 0 0 0

MS1 MS1 MS1 MS1 MS1 MS1

.00 .00 .00 .00 .00 .00

CMP AMT PROD ACCESS LOCAL CODE CHARGE

SETTLEMENT DATE: PAGE

.00C .02C .02C .00 .00 .00

INTER FEE

07/18/05 1

Detail Activity Reports

Reports

Figure 3.48—SWCHD144 Maestro POS Transaction Audit Report (1 of 2)—Issuing Processor

©2006 MasterCard MDS Settlement and Reports • October 2006

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3-104

TERM ID

ISS PRO

***** SUSPECT 000000123 120GD 121 000000123 120GD 121 000000123 120GD 121 000000123 120GD 121 000000123 120GD 121 000000123 120GD 121

ACQ INST

1

PAN

001000 001000 001000 001000 001000 001000

PROC CODE

000008 000028 000034 000038 000043 000049

ADVICE REASON

00 451 0010 00 00 14 14 14

RSP TRACE CDE

.23 2.31 2.31 .00 .00 .00

CMP AMT SETTLEMENT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS TRANSACTION AUDIT REPORT A C Q U I R I N G P R O C E S S O R

TRANSACTION FOLLOWS ***** 0718050021 0001231210000000008 0718050038 0001231210000000008 0718050039 0001231210000000008 0718050040 0001231210000000008 0718050042 0001231210000000008 0718050048 0001231210000000008

DATE/TIME

PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000009999

SWCHD144 REPORT

840 840 840 840 840 840

STL CC

1000 10000 10000 0 0 0

MS1 MS1 MS1 MS1 MS1 MS1

.00 .00 .00 .00 .00 .00

CMP AMT PROD ACCESS LOCAL CODE CHARGE

SETTLEMENT DATE: PAGE

.00 .02 .02 .00C .00C .00C

INTER FEE

07/18/05 1

Reports

Detail Activity Reports

Figure 3.49—SWCHD144 Maestro POS Transaction Audit Report (2 of 2)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Negative File Updates—SWCHD147-1 Purpose:

This report gives the ability to track changes made to the MDS Stand-In Negative Card file.

Description:

This report provides an audit trail of MDS Negative Card file records that were recently added, changed, or deleted by NICS™ or online message sending methods. Only updates affecting the MDS Negative Card file appear in this report. The report logs record updates by Processor ID if multiple processors are owned, and then by PAN and Switch Date/Time values in ascending order.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.18 for a description of the SWCHD147-1 report fields. Table 3.18—SWCHD147-1 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. PAN

The column lists the Primary Number associated with the card record that was updated.

INST ID

This column displays the card issuer’s Institution ID (BIN or Routing and Transit number).

Card Status

This column reveals the reason for the card being reported to the MDS Hot Card Facility. Valid Hot Card Status Codes F

Fraud

L

Lost

O

Other

P

Capture

S

Stolen

U

Unauthorized

X

Counterfeit

V

VIP

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field

Description

SWITCH DATE

This is the date that the update was made to the MDS Stand-In Negative file (format: MM/DD/YY).

SWITCH TIME

This is the time of the day that the update was made to the MDS Stand-In Negative file (format: HHMMSS).

PURGE DATE

The date that the MDS purges the number record from the MDS Stand-In Negative file (format: YYMMDD).

TYPE OF UPDATE This column specifies the action that issuing processors took in regard to card number records residing in the MDS Stand-In Negative Card file. Valid update types include: Add, Delete, and Change. UPDATE SOURCE There are two methods for updating MDS Stand-In database files. The first method is to make card adjustments using the NICS™ application (STAND-IN NEGATIVE CARD (i.e. this is the FACILITY). The second method allows issuing processors to by the NICS™ same data as Message Source) application and send 0302 online messages directly to MDS. The online method cannot currently be used to change the MDS Stand-In VIP file. Interface Values NICS™

A NICS™ performed the file update.

ONLINE A processor sent the file update to the MDS or Banknet® telecommunications

network through a 0302 online message. GROUP NUMBER This column identifies the NICS™ group responsible for the file update. It applies only to NICS™ s (i.e. “NICS™” Update Source). NUMBER

This column identifies the NICS™ who made the file update. It applies only to NICS™ s (“NICS™” Update Source).

TOTAL EXCEPTION COUNT

The total number of Stand-In exception records for a processor.

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This number comes from the Processor Data File (PDF). Only those records having 840 Country Codes (U.S. Region) are counted.

©2006 MasterCard October 2006 • MDS Settlement and Reports

CARD STATUS

M A S T E R C A R D D E B I T S Y S T E M M D S S T A N D I N N E G A T I V E F I L E U P D A T E S WORK OF 07/04/05 PAGE 1

123434343 122198989 128978978 122323232 122334343 122121212 121353535 231212121 244444665 247778889

5412123456789567 5999999999999912 5566666666666666 5122222222222222 5333333333333334 5456565656565656 5418888888888888 5244444444444444 5498989898989898 5222222222444445

TOTAL EXCEPTION COUNT

INST ID

PAN

F F U U U U S U L U

07/04/05 07/04/05 07/04/05 07/04/05 07/04/05 07/04/05 07/04/05 07/04/05 07/04/05 07/04/05

100059 104959 151915 123444 001234 024707 075104 170317 115019 060405

491231 491231 060104 070104 070104 070104 080104 060104 491231 491231

ADD ADD ADD ADD ADD ADD CHANGE ADD ADD ADD 00002804

ONLINE ONLINE ONLINE ONLINE ONLINE ONLINE ONLINE ONLINE ONLINE ONLINE

SWITCH SWITCH PURGE TYPE OF UPDATE GROUP DATE TIME DATE UPDATE SOURCE NUMBER NUMBER (MM/DD/YY) (YYMMDD) ___________________________________________________________________________________________________________________________________

PROCESSOR : TEST BANK PROCESSOR ID: 9000099999

SWCHD147-1

Detail Activity Reports

Reports

Figure 3.50—SWCHD147-1 MDS Stand-in, Negative File Updates Report

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

VIP File Updates—SWCHD147-2 Purpose:

This report gives the ability to track changes made to the MDS Stand-In VIP file.

Description:

This report provides an audit trail of MDS VIP Card file records that were recently added, changed, or deleted by NICS™. There is currently no ONLINE method for updating this file. Only updates affecting the MDS VIP Card file appear in this report. The report logs record updates by Processor ID if multiple processors are owned, and then by PAN and Switch Date/Time values in ascending order.

Frequency:

Daily

Availability:

Available through Global File Transfer.

Refer to Table 3.19 for a description of the SWCHD147-2 report fields. Table 3.19—SWCHD147-2 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. PAN

The column lists the Primary Number associated with the card record that was updated.

INST ID

This column displays the card issuer’s Institution ID (BIN or Routing and Transit number).

Card Status

This column reveals the reason for the card being reported to the MDS Hot Card Facility. Valid Hot Card Status Codes F

3-108

Fraud

L

Lost

O

Other (Used for VIP status only)

P

Capture

S

Stolen

U

Unauthorized

X

Counterfeit.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Detail Activity Reports

Field

Description

SWITCH DATE

This is the date that the update was made to the MDS Stand-In VIP file (format: MM/DD/YY).

SWITCH TIME

This is the time of the day that the update was made to the MDS Stand-In VIP file (format: HHMMSS).

PURGE DATE

The date that the MDS purges the number record from the MDS Stand-In VIP file (format: YYMMDD).

TYPE OF UPDATE This column specifies the action that issuing processors took in regard to card number records residing in the MDS Stand-In VIP Card file. Valid update types include: Add, Delete, and Change. UPDATE SOURCE There are two methods for updating MDS Stand-In database files. The first method is to make card adjustments using the NICS™ application (STAND-IN VIP CARD FACILITY). (i.e. this is the The second method allows issuing processors to by the NICS™ application and same data as Message Source) send 0302 online messages directly to MDS. The online method cannot currently be used to change the MDS Stand-In VIP file. Interface Values NICS

A NICS™ performed the file update.

ONLINE A processor sent the file update to the MDS or Banknet® telecommunications

network through a 0302 online message. GROUP NUMBER This column identifies the NICS™ group responsible for the file update. It applies only to NICS™ s (i.e. “NICS™” Update Source). NUMBER

This column identifies the NICS™ who made the file update. It applies only to NICS™ s (i.e. “NICS™” Update Source).

Second Column Headings—Display across the page below the first column headings. Data displays below the related data identified by the First Column Headings. TOT CNT

This column displays the maximum number transactions that Stand-In will process from combined ATM and POS transactions in a single settlement day.

TOT AMT

This column reports the maximum amount of money that Stand-In will debit from combined ATM and POS transactions in a single settlement day.

ATM CNT

This column displays the number of ATM transactions that was processed by Stand-In processes in one day.

ATM AMT

This column reports the amount of money in ATM withdrawals that was processed by Stand-In processes in one day.

SAV CNT

This column displays the number of ATM withdrawals from Savings that was processed by Stand-In processes in one day.

SAV AMT

This column reports the amount of money in ATM withdrawals from savings.

DDA CNT

This column displays the number of ATM withdrawals from credit card s that was processed by Stand-In in processes one day.

DDA AMT

This column reports the amount of money in ATM withdrawals from DDA/checking that was processed by Stand-In processes in one day.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Detail Activity Reports

Field

Description

CCD CNT

This column displays the number of ATM withdrawals from credit card s that was processed by Stand-In processes in one day.

CCD AMT

This column reports the amount of money in ATM cash disbursements from credit card s processed by Stand-In processes in one day.

NAS CNT

This column displays the number of ATM withdrawals from No Specified (NAS) processed in Stand-In processes in one day.

NAS AMT

This column reports the amount of money in ATM withdrawals from No Specified (NAS) processed by Stand-In processes in one day.

POS CNT

This column displays the number of Point of Sale (POS) purchases, regardless of type, processed by Stand-In processes in one day.

POS AMT

This column reports the number of Point of Sale (POS) purchases, regardless of type, processed by Stand-In processes in one day

Total Field—Displays at the bottom of the report. TOTAL EXCEPTION COUNT

3-110

The total number of Stand-In exception records for a processor. This number comes from the Processor Data File (PDF). Only those records having 840 Country Codes (U.S. Region) are counted.

©2006 MasterCard October 2006 • MDS Settlement and Reports

CARD STATUS

M A S T E R C A R D D E B I T S Y S T E M M D S S T A N D I N V I P F I L E U P D A T E S WORK OF 06/17/05 PAGE 1

L

912121288 912121218

5812121200008405 10 100 5851234567008405 10 100

TOTAL EXCEPTION COUNT

L

INST ID

PAN

06/17/05

06/16/05 100724

170628 491231

491231 CHANGE

CHANGE

00000001

NICS

NICS

2121 10 2121 10

999 100 999 100

SWITCH SWITCH PURGE TYPE OF UPDATE GROUP DATE TIME DATE UPDATE SOURCE NUMBER NUMBER (MM/DD/YY) (YYMMDD) TOT CNT TOT AMT ATM CNT ATM AMT SAV CNT SAV AMT DDA CNT DDA AMT CCD CNT CCD AMT NAS CNT NAS AMT POS CNT POS AMT ___________________________________________________________________________________________________________________________________

PROCESSOR : TEST BANK PROCESSOR ID: 9000123488

SWCHD147-2

Detail Activity Reports

Reports

Figure 3.51—SWCHD147-2 MDS Stand-in, VIP File Updates Report

©2006 MasterCard MDS Settlement and Reports • October 2006

3-111

Reports Statistical Reports

Statistical Reports Statistical reports summarize the processor’s activity and performance as acquirer and issuer. The MDS generates these reports daily and monthly. Processors can use these reports to analyze their performance to ensure that they continue to comply with network standards. Table 3.20 lists the MDS Statistical reports name, and purpose by report number. Table 3.20—MDS Statistical Reports

3-112

Number

Name

Purpose

SWCHD15-X

Financial Institution Table (FIT) report

Processors can use this report to update acquirer routing tables. The MDS provides indicators for each identifier to determine if the identifier has been added (A) or deleted (D) since the last update.

SWCHD35

Institution Definition File (IDF)

Processors can use this report to review and manage routing and transit numbers.

SWCHD61

Daily Processing Summary report

Processors should use this report to monitor their performance rates to ensure they comply with network standards and to highlight the differences in debit and credit performance. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

SWCHD73a

Monthly Availability Report

should use this report to track member performance on a month-to-month basis to ensure that the issuing processor complies with network performance standards.

SWCHD127-1

Daily Cardholder Performance Report

The MDS generates this report for each processor to assist in focusing on those card portfolios that do not meet product performance standards.

SWCHD127-2

Daily Cardholder Performance Variance Report

Issuers can use this report to identify problems with a particular BIN.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Statistical Reports

Number

Name

Purpose

SWCHD143

Maestro® POS Daily Processing Summary

Processors should use this report to monitor their performance rates to ensure that they comply with network standards. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

SWCHD320-1

Daily Processor Performance Report

Processors can use this report to track performance trends and to plan possible corrective actions.

SWCHD321-1

Processor Peak Performance Report

Processors can use this report to track performance trends and to plan possible corrective actions.

SWCHD321-2

Processor Daily Summary Performance Report

Processors can use this report to track performance trends and to plan possible corrective actions.

SWCHM03a

Transaction Interchange Month-to-Date

The acquiring report reflects the types of transactions other cardholders performed at the processor’s terminals. The cardholder report reflects the types of transactions that the processor’s cardholders performed at other processor’s terminals. (This may be helpful for marketing analysis.)

SWCHM06a

Month-to-Date Processing Processors should use this report to Summary Report monitor their performance rates to ensure that they comply with network standards and to highlight the differences in debit and credit performance. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

SWCHM07a

Month-to-Date Denial Summary Report

Processors use this report to evaluate performance

a Reports produced daily with month-to-date totals.

©2006 MasterCard MDS Settlement and Reports • October 2006

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Oct 2006

Reports Statistical Reports

Financial Institution Table Report (FIT)—SWCHD15-X

Note

Purpose:

Processors can use this report to update acquirer routing tables. The MDS provides indicators for each identifier to determine if the identifier has been added (A) or deleted (D) since the last update.

Description:

This report is available by identifier for all products and by processor for the products ed. The report by BIN identifier provides the following information: identifier (BIN), identifier length, processor number associated with the identifier, and the currency code associated with the identifier.

Frequency:

Daily

Availability:

Available through Global File Transfer.

The MDS can send the FIT as either a print image report or data file.

FIT by Identifier and FIT by Processor Refer to Table 3.21 for a description of the SWCHD15-X report fields. Table 3.21—SWCHD15-X Fields Field

Description

Header Field—Displays at top of all pages of the report. For reports by processor. PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page. REC ID

Indicates the table ID for the Financial Institution Table

F IDENTIFIER

The prefix of the card that participates in this product. This entry can be 4 to 11 digits in length.

LEN

The length of the card prefix

PROC

The MDS assigned processor Number for the BIN.

CUR

The ISO assigned currency code. Indicates the local currency used at the terminal.

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©2006 MasterCard October 2006 • MDS Settlement and Reports

REC ID -----*FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT *FIT

F IDENTIFIER LEN PROC CUR ----------------------------88888888888 11 0 840 119445 6 1 840 500771 6 1 840 531530 6 1 840 560034 6 1 840 585858 6 1 840 5837001 7 1 840 44360333 8 1 840 50339642 8 1 840 101000129 9 1 840 301171133 9 1 840 503396125 9 1 840 581480000 9 1 840 403396 6 2 840 589693 6 2 152 4564770 7 2 152

SWCHD15-2

M A S T E R C A R D D E B I T S W I T C H F I L E P R I N T F I N A N C I A L I N S T I T U T I O N T A B L E B Y I D E N T I F I E R C I R R U S F IDENTIFIER LEN PROC CUR F IDENTIFIER LEN PROC CUR ----------------------------- ----------------------------4700 4 1 840 44028 5 1 840 213926 6 1 840 423387 6 1 840 503803 6 1 840 518032 6 1 840 534990 6 1 840 540049 6 1 840 560483 6 1 840 581096 6 1 840 5180310 7 1 840 5180314 7 1 840 07490025 8 1 840 07490034 8 1 840 44360352 8 1 840 50339601 8 1 840 50339657 8 1 840 50387787 8 1 840 101000954 9 1 840 101218173 9 1 840 431756220 9 1 840 503396123 9 1 840 518064801 9 1 840 529800220 9 1 840 5180648010 10 1 840 5634 4 2 840 461365 6 2 840 503395 6 2 840 666664 6 2 840 666667 6 2 840 5081130 7 2 152 5896860 7 2 152 7/05/05 1

F IDENTIFIER LEN PROC CUR ----------------------------44360 5 1 840 449866 6 1 840 518330 6 1 840 547033 6 1 840 585070 6 1 840 5637001 7 1 840 27247984 8 1 840 50339606 8 1 840 51001307 8 1 840 131756220 9 1 840 503396124 9 1 840 529801 9 1 840 55006 5 2 076 550025 6 2 036 888883 6 2 840 5896910 7 2 152

WORK OF PAGE

Statistical Reports

Reports

Figure 3.52—SWCHD15-X Financial Institution Table by Identifier Report (1 of 2)

©2006 MasterCard MDS Settlement and Reports • October 2006

3-115

3-116 TRACK II LENGTH IDENTIFIER 09 101000129 08 27247984 08 44360333 08 50339606 06 503803 09 518064801 06 534990 06 581096

TRACK II LENGTH IDENTIFIER 09 101000954 09 301171133 08 44360352 09 503396123 08 50387787 10 5180648010 06 540049 09 581480000

TRACK II LENGTH IDENTIFIER 09 101218173 06 423387 06 449866 09 503396124 08 51001307 06 518330 06 547033 07 5837001

M A S T E R C A R D D E B I T S W I T C H F I L E P R I N T F I N A N C I A L I N S T I T U T I O N T A B L E B Y P R O C E S S O R C I R R U S

PROCESSOR ID: 9000000991 -----------------------TRACK II TRACK II LENGTH IDENTIFIER LENGTH IDENTIFIER 08 07490025 08 07490034 09 131756220 06 213926 05 44028 05 44360 06 500771 08 50339601 08 50339642 08 50339657 07 5180314 06 518032 09 529801 06 531530 06 560483 07 5637001 06 585858

SWCHD15-1 7/05/05 2

TRACK II LENGTH IDENTIFIER 06 119445 09 431756220 04 4700 09 503396125 07 5180310 09 529800220 06 560034 06 585070

WORK OF PAGE

Reports

Statistical Reports

Figure 3.53—SWCHD15-X Financial Institution Table by Processor Report (2 of 2)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Institution Definition File (IDF)—SWCHD35 Purpose:

Processors can use this report to review and manage routing and transit numbers.

Description:

This report provides Customer and Technology information for each of the processor’s routing and transit numbers.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.22 for a description of the SWCHD35 report fields. Table 3.22—SWCHD35 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. INST NO

The Routing and Transit Number assigned to the processor.

ACQ PROD

A “Y” indicates the processor s the product. A blank indicates the processor does not the product. The products listed are: C

Cirrus

P

PLUS

M

MasterCard

V

Visa

©2006 MasterCard MDS Settlement and Reports • October 2006

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3-118

*IDF *IDF *IDF *IDF

000025360 440000000 741000000 972200006

240000006 480000002 760000007 980000007

PROCESSOR : CIRRUS NETWORK PROCESSOR ID: 9000000000 ACQ PROD INST NO C P M V INST NO

SWCHD35

ACQ PROD C P M V

Y

ACQ PROD C P M V

334455664 650000007 830200009 981808185 Y

INST NO 360000009 654000003 876000001

INST NO

ACQ PROD C P M V

M A S T E R C A R D D E B I T S W I T C H F I L E P R I N T I N S T I T U T I O N D E F I N I T I O N

390000008 730000008 890000003

INST NO

ACQ PROD C P M V

Y

ACQ PROD C P M V

434000003 740000001 912401247 Y

INST NO

WORK OF 7/05/05 PAGE 1

Reports

Statistical Reports

Figure 3.54—SWCHD35 Institution Definition Report

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Daily Processing Summary Report—SWCHD61 Purpose:

Processors should use this report to monitor their performance rates to ensure they comply with network standards and to highlight the differences in debit and credit performance. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

Description:

This report provides a daily summary of the processor’s performance by response code and completion code. This report lists a count of Stand-In transactions that occurred at the time of MDS Stand-In processing by transaction type. The MDS segregates this report into acquirer and issuer activity, and then into debit and credit activity based on the prefix (BIN) functionality.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Card Processor Refer to Table 3.23 for a description of the SWCHD61 report fields. Table 3.23—SWCHD61 Fields Field

Description Oct 2006

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

DEBIT or CREDIT (Heading)

The MDS generates separate reports for debit and credit activity. This heading displays at the top of the page beside the Processor Name to identify the report.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. DESCRIPTION TRANSACTION APPROVED

The explanation of transaction types by the Response Code and Advice Reason Code.

TRANSACTIONS NOT APPROVED

Each category has a subtotal providing total for trans counts and percentages.

ADVICE REASON

The number assigned to each transaction type description.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-119

Reports Statistical Reports

Field

Description

RESPONSE CODE

The Response Code number assigned to each description. An (S) indicates that the MDS generated the response.

TRANS COUNT

Number of transactions

% OF TOTAL

Percentage of total transactions by response and completion code

STAND-IN COUNT

Number of transactions processed by MDS Stand-In

TOTAL COUNT

The combined total of transactions and Stand-In counts per transaction type description.

% OF TOTAL

Percentage of total transactions by response and completion code.

Total Fields—Display at the bottom of the page. TOTAL

The combined counts, percentages, and Stand In, for transactions approved and rejected. This field displays on each page of the report.

TOTAL DEBIT/CREDIT DEBIT FAIL % / CREDIT FAIL %

Total number of debit/credit transactions This field displays on the last page of the Acquiring Processor and Issuing Processor report. •

The credit and debit fail percentages for acquiring processors are calculated as: [Format error (S11) + Invalid dollar amount (S13) + ATM proc or owning invalid (S31) + ATM processor inoperative (S83)] divided by [Total transaction count cardholder proc not found (S92)].

•

The credit and debit fail percentages for card processors are calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91)] divided by [Total transaction count - cardholder proc non found (S92)].

This field displays on each page of the report. DEBIT/CREDIT FAIL • %

The debit/credit fail percentage for acquiring processors is calculated as: [Format error (S11) + Invalid dollar amount (S13) + ATM proc or owning invalid (S31) + ATM processor inoperative (S83) {for both debit and credit}] divided by total debit/credit.

•

The debit/credit fail percentage for card processors is calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91) {for both debit and credit}] divided by total debit/credit.

This field displays on the last page of the Acquiring Processor and Issuing Processor report. MASTERCARD DEBIT This is the count total of MasterCard debit transactions. These numbers are not TRANSACTIONS included in the report computations. This field displays on each page of the report. SYSTEM DENIAL RATE FINANCIAL

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Oct 2006

Is calculated as: [Unable to process financial (82) + cardholder proc inoperative financial (91)] divided by [Total transaction count - cardholder proc inoperative inquiry (82) {for both debit and credit]. ©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Oct 2006

Oct 2006

3

©2006 MasterCard MDS Settlement and Reports • October 2006 0

MASTERCARD DEBIT TRANSACTIONS

212

86

6 1 79

20,929

18,745 2,017 73 94

TRANS COUNT

0.47

(S)12 (S)30 55

(00,10)

RESPONSE CODE

----------

100.00

40.57

2.83 0.47 37.26

89.23

79.92 8.60 0.31 0.40

% OF TOTAL

D E B I T

0

0

0 0 0

13

13 0 0 0

STAND IN COUNT

----------

M A S T E R C A R D D E B I T S W I T C H D A I L Y P R O C E S S I N G S U M M A R Y A C Q U I R I N G P R O C E S S O R

DEBIT FAIL %

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

0010 0018

ADVICE REASON

INVALID TRANSACTION FINANCIAL FORMAT ERROR INVALID PIN,ALLOW CUSTOMER RETRY

TRANSACTION APPROVED SUBTOTAL TRANSACTION NOT APPROVED

TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE ATM FAILURE

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD61 REPORT

0.00

0.00

0.00 0.00 0.00

0.06

0.06 0.00 0.00 0.00

% OF TOTAL

212

86

6 1 79

20,942

18,758 2,017 73 94

TOTAL COUNT

100.00

40.57

2.83 0.47 37.26

89.29

79.98 8.60 0.31 0.40

% OF TOTAL

WORK OF 03/28/06 PAGE 1

Statistical Reports

Reports

Figure 3.55—SWCHD61 Daily Processing Summary Reports (1 of 4)—Acquiring Processor

3-121

3-122

3

224 0.00 0.00 0

DEBIT/CREDIT

T O T A L

CREDIT FAIL % DEBIT/CREDIT FAIL %

MASTERCARD DEBIT TRANSACTIONS

4

2 2

2,080

1,907 161 4 8

TRANS COUNT

12

(S)12 55

(00,10)

RESPONSE CODE

---------

100.00

33.33

16.67 16.67

68.90

63.17 5.33 0.13 0.26

% OF TOTAL

C R E D I T

0

0

0

0 0

0

0 0 0 0

STAND IN COUNT

---------

M A S T E R C A R D D E B I T S W I T C H D A I L Y P R O C E S S I N G S U M M A R Y A C Q U I R I N G P R O C E S S O R

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

0010 0018

ADVICE REASON

INVALID TRANSACTION FINANCIAL INVALID PIN,ALLOW CUSTOMER RETRY

TRANSACTION APPROVED SUBTOTAL TRANSACTION NOT APPROVED

TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE ATM FAILURE

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD61 REPORT

0.00

0.00

0.00 0.00

0.00

0.00 0.00 0.00 0.00

% OF TOTAL

224

12

4

2 2

2,080

1,907 161 4 8

TOTAL COUNT

100.00

33.33

16.67 16.67

68.90

63.17 5.33 0.13 0.26

% OF TOTAL

WORK OF 03/28/06 PAGE 2

Reports

Statistical Reports

Figure 3.56—SWCHD61 Daily Processing Summary Reports (2 of 4)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

3

©2006 MasterCard MDS Settlement and Reports • October 2006 0.00 0

SYSTEM DENIAL RATE FINANCIAL

MASTERCARD DEBIT TRANSACTIONS

65

30

2 28

35

30 3 2

TRANS COUNT

0.00

(S)12 55

(00,10)

RESPONSE CODE

----------

100.00

46.15

3.08 43.08

53.85

46.15 4.62 3.08

% OF TOTAL

D E B I T

0

0

0 0

0

0 0 0

STAND IN COUNT

----------

M A S T E R C A R D D E B I T S W I T C H D A I L Y P R O C E S S I N G S U M M A R Y I S S U I N G P R O C E S S O R

DEBIT FAIL %

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

0010

ADVICE REASON

INVALID TRANSACTION FINANCIAL INVALID PIN,ALLOW CUSTOMER RETRY

TRANSACTION NOT APPROVED

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD61 REPORT

0.00

0.00

0.00 0.00

0.00

0.00 0.00 0.00

% OF TOTAL

65

30

2 28

35

30 3 2

TOTAL COUNT

100.00

46.15

3.08 43.08

53.85

46.15 4.62 3.08

% OF TOTAL

WORK OF 03/28/06 PAGE 3

Statistical Reports

Reports

Figure 3.57—SWCHD61 Daily Processing Summary Reports (3 of 4)—Issuing Processor

3-123

3-124

3

26 0.00 0.00 0.00 0

DEBIT/CREDIT

T O T A L CREDIT FAIL % DEBIT/CREDIT FAIL %

SYSTEM DENIAL RATE FINANCIAL

MASTERCARD DEBIT TRANSACTIONS

4

2 2

8

4 1 1 2

TRANS COUNT

12

(S)12 55

(00,10)

RESPONSE CODE

---------

100.00

33.33

16.67 16.67

66.67

33.33 8.33 8.33 16.67

% OF TOTAL

C R E D I T

0

0

0

0 0

0

0 0 0 0

STAND IN COUNT

---------

M A S T E R C A R D D E B I T S W I T C H D A I L Y P R O C E S S I N G S U M M A R Y I S S U I N G P R O C E S S O R

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

INVALID TRANSACTION FINANCIAL INVALID PIN,ALLOW CUSTOMER RETRY

TRANSACTION NOT APPROVED

0010 0019

ADVICE REASON

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE ATM TIMEOUT

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD61 REPORT

0.00

0.00

0.00 0.00

0.00

0.00 0.00 0.00 0.00

% OF TOTAL

26

12

4

2 2

8

4 1 1 2

TOTAL COUNT

100.00

33.33

16.67 16.67

66.67

33.33 8.33 8.33 16.67

% OF TOTAL

WORK OF 03/28/06 PAGE 4

Reports

Statistical Reports

Figure 3.58—SWCHD61 Daily Processing Summary Reports (4 of 4)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Monthly Availability Report—SWCHD73 Purpose:

should use this report to track member performance on a month-to-month basis to ensure that the issuing processor complies with network performance standards.

Description:

This report summarizes the total down time, adjusted down time, and percentage of the time the processor is available to authorize transactions. This report reflects the availability of the cardholder’s processor and includes the current and prior month’s data.

Note

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

The MDS sends this report to cardholder processors daily.

Cirrus Network and Processor Refer to Table 3.24 for a description of the SWCHD73 report fields. Table 3.24—SWCHD73 Fields Field

Description

Header Field—Displays at top of all pages of the report. PROCESSOR

The MDS-assigned processor/member identification number and processor name.

Column Headings—Displays across the page, just below the Header fields. DATE

The system date that the downtime occurred

TIME

The system time that the downtime occurred

DOWNTIME

The duration of the downtime

©2006 MasterCard MDS Settlement and Reports • October 2006

3-125

Reports Statistical Reports

Field

Description

REASON

The cause of the downtime:

EXPLANATION

A

Application

E

Encryption

H

Hardware

L

Line

S

Software

M

Modem

D

Scheduled

P

Processor

?

Unclassified

Indicates the cause of the problem

Total Fields—Displays to the left of the page. TOTALS FOR MONTH Lists the amount of time the processor was down and the downtime classification. It also indicates the percentage of total downtime associated with each classification. TOTAL TIME

The total downtime for the month

ADJUSTED TIME

The total time from the processor category Processor—sum of downtime indicated with a status code of ‘P’. Network—sum of downtime indicated with a status code of ‘H’, ‘S’, and ‘?’.

AVAILABILITY

Total hours per month downtime less the total hours divided by the total hours per month multiplied by 100

ADJUSTED AVAILABILITY

Total hours per month downtime less the Adjusted time divided by the total hours per month multiplied by 100

3-126

©2006 MasterCard October 2006 • MDS Settlement and Reports

SWCHD73

17:00

04:14

06/17/05

06/15/05

00:41

00:40

DOWNTIME

©2006 MasterCard MDS Settlement and Reports • October 2006 HARDWARE SOFTWARE SCHEDULED UNCLASSIFIED

H

S

D ?

13:25

05/06/05

00:35

DOWNTIME

HARDWARE SOFTWARE SCHEDULED UNCLASSIFIED TOTAL TIME

S

D

?

ADJUSTED TIME

APPLICATION

H

TYPE

A

CODE

TOTALS FOR MONTH

TIME

DATE

MONTH TO DATE: AUGUST

A

S W I T C H TIME: 23:01:06

TIME

00:00

00:00 00:35

00:00

00:00

00:00

00:35

PAGE

ADJUSTED AVAILABILITY 100.00%

099.92%

1

DATE: 08/02/05

NODE D RECEIVED GARBAGE MESSAGES INTO THE I200 INTERFACE PROGRAM.

000.00 AVAILABILITY

000.00

000.00

000.00

100.00

% OF DOWN TIME

NOT RESPONDING.

TIME

099.81%

ADJUSTED AVAILABILITY 099.90%

AVAILABILITY

050.62 000.00

049.38

000.00

000.00

EXPLANATION

00:40

01:21

00:41 00:00

00:40

00:00

00:00

% OF DOWN

SCHEDULED OUTAGE FOR MAINTENANCE.

KEY ERRORS DUE TO SYSTEM MODIFICATIONS. CHANGES WERE BACKED OUT.

EXPLANATION

TIME

REASON

D

S

REASON

SETTLEMENT DATE: 08/02/05

NATIONAL BANK

ADJUSTED TIME

TOTAL TIME

APPLICATION

TYPE

A

CODE

TOTALS FOR MONTH

TIME

DATE

MONTH TO DATE: SEPTEMBER

PROCESSOR: 9000000999

D E B I T

MONTHLY AVAILABILITY REPORT

M A S T E R C A R D

Statistical Reports

Reports

Figure 3.59—SWCHD73 Monthly Availability Report (1 of 2)

3-127

SWCHD73

3-128 P

NOT RESPONDING. SYSTEM PROBLEM AT REMOTE.

S W I T C H

CODE E L M D ? P

TYPE ENCRYPTION LINE MODEM SCHEDULED UNCLASSIFIED PROCESSOR TOTAL TIME ADJUSTED TIME

02/26/05 03:45 00:13 02/22/05 10:02 03:12 02/18/05 15:08 00:52 02/15/05 10:29 03:35 02/08/05 10:03 01:17 02/01/05 10:03 03:25 TOTALS FOR MONTH

CODE E L M D ? P

P P P D D D

TIME 00:00 00:00 00:00 08:17 00:00 04:17 12:34 04:17

% OF DOWN TIME 000.00 000.00 000.00 065.92 000.00 034.08 AVAILABILITY 098.13% ADJUSTED AVAILABILITY 099.36%

NOT RESPONDING. SYSTEM PROBLEM AT REMOTE. NOT RESPONDING. SYSTEM PROBLEM AT REMOTE. NOT RESPONDING. SYSTEM PROBLEM AT REMOTE. NOT RESPONDING. SYSTEM MAINTENANCE AT REMOTE. MARKED DOWN. PROCESSOR LOGGED OFF CIRRUS. NOT RESPONDING. SYSTEM MAINTENANCE AT REMOTE.

% OF DOWN TYPE TIME TIME ENCRYPTION 00:00 000.00 LINE 00:00 000.00 MODEM 00:00 000.00 SCHEDULED 00:00 000.00 UNCLASSIFIED 00:00 000.00 PROCESSOR 02:38 100.00 TOTAL TIME 02:38 AVAILABILITY 099.63 ADJUSTED TIME 02:38 ADJUSTED AVAILABILITY 099.63% MONTH TO DATE: AUGUST DATE TIME DOWNTIME REASON EXPLANATION

03/01/05 11:02 02:38 TOTALS FOR MONTH

PROCESSOR: 9000000999 NATIONAL BANK MONTH TO DATE: SEPTEMBER SETTLEMENT DATE: 08/02/05 DATE TIME DOWNTIME REASON EXPLANATION

M A S T E R C A R D D E B I T MONTHLY AVAILABILITY REPORT TIME: 01:03:56

PAGE 90 DATE: 08/02/05

Reports

Statistical Reports

Figure 3.60—SWCHD73 Monthly Availability Report (2 of 2)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Daily Cardholder Performance Report—SWCHD127-1 Purpose:

The MDS generates this report for each processor to assist in focusing on those card portfolios that do not meet product performance standards.

Description:

This report will display any debit or credit BIN with an approval rate below standard (currently set at 70%). Transaction counts and percentages by response code are reported in addition to the percentage of approved transactions. The report displays approval and denial rates that are percentages of total volume.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Cardholder Processor Refer to Table 3.25 for a description of the SWCHD127-1 report fields. Table 3.25—SWCHD127-1 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. CR/DB

This column indicates whether the BIN is a credit BIN or a debit BIN.

TOTAL VOLUME

This column represents the daily total transaction volume per BIN.

INVALID TRANS SELECTION (12, s12, 57)

The percentage of total transaction volume per BIN for these response codes

EXCEEDS USAGE (61)

The percentage of total transaction volume per BIN for this response code

INVALID PIN (55, 75)

The percentage of total transaction volume per BIN for these response codes

BAD, HOT, The percentage of total transaction volume per BIN for these response codes EXPIRED SELECTION (14, 41, 43, 54, 56, 62, 67)

©2006 MasterCard MDS Settlement and Reports • October 2006

3-129

Reports Statistical Reports

Field

Description

INSUFFICIENT FUNDS (51)

The percentage of total transaction volume per BIN for this response code

DO NOT HONOR (77)

The percentage of total transaction volume per BIN for this response code

OTHER (11, s11, 13, s13, s31, 76, s83, 85, s92)

The percentage of total transaction volume per BIN for these response codes

PROCESSOR SYSTEM DENIALS (82, s91, 91)

The percentage of total transaction volume per BIN for these response codes

TOTAL APPROVED (01, 78, 80, 81)

The percentage of total transaction volume per BIN for these response codes

Category Fields—Display to the left of the page below the column headings. FINANCIAL IN#

The Routing and Transit number assigned to the Bank Identification Numbers (BINs).

TOTAL

The total items per category, according to the routing and transit, and percentage of total transactions

3-130

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

D A I L Y

M A S T E R C A R D D E B I T S W I T C H C A R D H O L D E R P E R F O R M A N C E R E P O R T PAGE

1

WORK OF 07/05/05

8 8

©2006 MasterCard MDS Settlement and Reports • October 2006

D

3 3

D

6 6

C

2 2

D

2 2

412344 TOTAL

D

2 2

543215 D 15 TOTAL 15 FINANCIAL IN # 1234564579

FINANCIAL IN # 1234567899

577889 TOTAL

FINANCIAL IN # 1023456756

512345 TOTAL

FINANCIAL IN # 1072345675

567544 TOTAL

FINANCIAL IN # 1474747764

412128 TOTAL

FINANCIAL IN # 1222222233

5276853 D TOTAL

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

25.00% 25.00%

0.00% 0.00%

33.33% 33.33%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

12.50% 12.50%

50.00% 50.00%

0.00% 0.00%

100.00% 100.00%

0.00% 0.00%

0.00% 0.00%

100.00% 100.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

33.33% 33.33%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

100.00% 100.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

50.00% 50.00%

66.66% 66.66%

0.00% 0.00%

0.00% 0.00%

66.66% 66.66%

0.00% 0.00%

62.50% 62.50%

BAD,LOST, STOLEN EXPIRED INVALID EXCEEDS RESTRICTED PROCESSOR CR/ TOTAL TRANS WITHDRAWAL INVALID INSUFFICENT DO NOT SYSTEM TOTAL DB VOLUME SELECTION LIMIT PIN SELECTION FUNDS HONOR OTHER DENIALS APPROVED ---------------------------------------------------------------------------------------------------------------------FINANCIAL IN # 1233333623

PROCESSOR : TEST BANK PROCESSOR ID: 9000009999

SWCHD127-1

Statistical Reports

Reports

Figure 3.61—SWCHD127-1 Daily Cardholder Performance Report

3-131

Reports Statistical Reports

Daily Cardholder Performance Variance Report—SWCHD127-2 Purpose:

Issuers can use this report to identify problems with a particular BIN.

Description:

This report provides information on BINs with a variance of 10% higher or lower than its normal approval rate.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Cardholder Processor Refer to Table 3.26 for a description of the SWCHD127-2 report fields. Table 3.26—SWCHD127-2 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. BIN

Lists the BINs that exceed a variance parameter of 10%

APPROVAL RATE

Provides the BINs approval rate from totals reported on the Daily cardholder Performance Report (SWCHD127-1). The MDS calculates the approval rate based on response codes 01, 78, 79, 80, and 81 divided by the total volume.

AVERAGE APPROVAL RATE

Month-to-date average approval rate that is recalculated daily

VARIANCE

Difference between the approval rate and the average approval rate

Data Fields—Display to the left of the page below the Column headings. FINANCIAL IN #

3-132

Routing and Transit number assigned to the Bank Identification Number (BIN).

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

©2006 MasterCard MDS Settlement and Reports • October 2006

512128

FINANCIAL IN # 1933333367

523233

FINANCIAL IN # 1922222209

516565

FINANCIAL IN # 1911111165

577777

FINANCIAL IN # 1876543212

65.90

74.32

71.57

78.57

0.00

87.31

100.00

100.00

+65.90

-12.99

-28.43

-21.43

APPROVAL AVERAGE BIN NUMBER RATE APPROVAL RATE VARIANCE -------------------------------------------------------------------

M A S T E R C A R D D E B I T S W I T C H D A I L Y C A R D H O L D E R P E R F O R M A N C E V A R I A N C E PROCESSOR : TEST BANK PROCESSOR ID: 9000099882

SWCHD127-2 R E P O R T

WORK OF 07/05/05 PAGE 1

Statistical Reports

Reports

Figure 3.62—SWCHD127-2 Daily Cardholder Performance Variance Report

3-133

Reports Statistical Reports

Maestro POS Daily Processing Summary—SWCHD143 Purpose:

Processors should use this report to monitor their performance rates to ensure that they comply with network standards. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

Description:

This report provides a month-to-date summary of the processor’s Maestro performance by response code and completion code. Only transactions with the MS product code are included. The MDS segregates this report into debit and credit activity based on the prefix (BIN) functionality as an acquirer and card processor.

Frequency:

Daily, with month-to-date totals

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Cardholder Processor Refer to Table 3.27 for a description of the SWCHD143 report fields. Table 3.27—SWCHD143 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

DEBIT or CREDIT (Heading)

The MDS generates separate reports for debit and credit activity. This heading displays at the top of the page beside the Processor name to identify the report.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. DESCRIPTION

The explanation of transaction types by the Response Code and Completion Code. •

Transaction Approved

•

Transaction Not Approved – with Subtotal

Each category will have a Subtotal providing total for trans counts and percentages. ADVICE REASON

The number assigned to each transaction type description.

RESPONSE CODE

The Response Code number assigned to each description. An (S) indicates that the MDS generated the response.

3-134

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Statistical Reports

Field

Description

TRANS COUNT

Number of transactions

% OF TOTAL

Percentage of total transactions by Response and Completion Code

STAND-IN COUNT

Number of transactions processed by MDS Stand-In.

TOTAL COUNT

The combined total of transactions and Stand-In counts per transaction type description.

Total Fields—Display at the bottom of the page. TOTAL

The combined counts, percentages, and Stand In, for transactions approved and rejected.

TOTAL DEBIT/CREDIT

Total number of debit/credit transactions.

DEBIT FAIL % or CREDIT FAIL %

•

The credit and debit fail percentages for acquiring processors are calculated as: [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid (S92) + ATM processor inoperative (S80)] divided by [Total transaction count cardholder proc not found (S15)].

•

The credit and debit fail percentages for card processors are calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91)] divided by [Total transaction count - cardholder proc non found (S15)].

•

The debit/credit fail percentage for acquiring processors is calculated as: [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid (S92) + ATM processor inoperative (S80) {for both debit and credit}] divided by total debit/credit.

•

The debit/credit fail percentage for card processors is calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91) {for both debit and credit}] divided by total debit/credit.

DEBIT/CREDIT FAIL %

SYSTEM DENIAL RATE FINANCIAL

Is calculated as: [Unable to process financial (82) + cardholder proc inoperative financial (91)] divided by [Total transaction count - cardholder proc inoperative inquiry (82) {for both debit and credit].

©2006 MasterCard MDS Settlement and Reports • October 2006

3-135

Oct 2006

3-136

3

ADVICE REASON

T O T A L

DEBIT FAIL %

TRANSACTION NOT APPROVED SUBTOTAL

DO NOT HONOR ERROR IN DECRYPTION OF PIN BLOCK CARDHOLDER PROC INOP FINANCIAL CARDHOLDER PROC INOP BILLABLE CARDHOLDER PROC INOP NON BILLABLE

TRANSACTION NOT APPROVED

TRANSACTION APPROVED NORMAL TRANSACTION APPROVED SUBTOTAL

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD143 REPORT

05 (S)63 91 (S)91 (S)91

(00,10)

RESPONSE CODE

0.00

7

5

0 1 0 0 4

2 2

TRANS COUNT

----------

41.18

29.41

0.00 5.88 0.00 0.00 23.53

11.76 11.76

% OF TOTAL

D E B I T

----------

10

4

2 0 1 1 0

6 6

STAND IN COUNT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS DAILY PROCESSING SUMMARY A C Q U I R I N G P R O C E S S O R

58.82

23.53

11.76 0.00 5.88 5.88 0.00

35.29 35.29

% OF TOTAL

17

9

2 1 1 1 4

8 8

TOTAL COUNT

100.00

52.94

11.76 5.88 5.88 5.88 23.53

47.06 47.06

% OF TOTAL

WORK OF 09/01/06 PAGE 1

Reports

Statistical Reports

Figure 3.63—SWCHD143 Maestro POS Daily Processing Summary Report (1 of 4)—Acq. Processor Oct 2006

©2006 MasterCard October 2006 • MDS Settlement and Reports

3

©2006 MasterCard MDS Settlement and Reports • October 2006 339 9.32 9.32

DEBIT/CREDIT

T O T A L

CREDIT FAIL % DEBIT/CREDIT FAIL %

48

32 0 0 4 0 8 0 4

287

199 28 24 36

TRANS COUNT

335

(S)30 41 43 51 (S)54 55 (S)61 (S)63

(00,10)

RESPONSE CODE

---------

97.67

13.99

9.33 0.00 0.00 1.17 0.00 2.33 0.00 1.17

83.67

58.02 8.16 7.00 10.50

% OF TOTAL

C R E D I T

---------

8

8

4

0 1 1 0 1 0 1 0

4

4 0 0 0

STAND IN COUNT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS DAILY PROCESSING SUMMARY A C Q U I R I N G P R O C E S S O R

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

0010 0011 0041

ADVICE REASON

FORMAT ERROR LOST CARD STOLEN CARD INSUFFICIENT FUNDS EXPIRED CARD INVALID PIN,ALLOW CUSTOMER RETRY EXCEEDS WITHDRAWAL LIMIT ERROR IN DECRYPTION OF PIN BLOCK

TRANSACTION NOT APPROVED

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL PARTIAL DISPENSE NO RECEIPT ISSUED CUSTOMER CANCEL

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD143 REPORT

2.33

1.17

0.00 0.29 0.29 0.00 0.29 0.00 0.29 0.00

1.17

1.17 0.00 0.00 0.00

% OF TOTAL

347

343

52

32 1 1 4 1 8 1 4

291

203 28 24 36

TOTAL COUNT

100.00

15.16

9.33 0.29 0.29 1.17 0.29 2.33 0.29 1.17

84.84

59.18 8.16 7.00 10.50

% OF TOTAL

WORK OF 09/01/06 PAGE 2

Statistical Reports

Reports

Figure 3.64—SWCHD143 Maestro POS Daily Processing Summary Report (2 of 4)—Acq. Processor Oct 2006

3-137

3-138

3

0000

ADVICE REASON

0.00

SYSTEM DENIAL RATE FINANCIAL

27

0

27

25 2

TRANS COUNT

0.00

(00,10)

RESPONSE CODE

----------

100.00

0.00

100.00

92.59 7.41

% OF TOTAL

D E B I T

----------

0

0

0

0 0

STAND IN COUNT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS DAILY PROCESSING SUMMARY I S S U I N G P R O C E S S O R

DEBIT FAIL %

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

TRANSACTION NOT APPROVED

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL SWCH DENIED INVALID DATA

DESCRIPTION

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999

SWCHD143 REPORT

0.00

0.00

0.00

0.00 0.00

% OF TOTAL

27

0

27

25 2

TOTAL COUNT

100.00

0.00

100.00

92.59 7.41

% OF TOTAL

WORK OF 09/01/06 PAGE 3

Reports

Statistical Reports

Figure 3.65—SWCHD143 Maestro POS Daily Processing Summary Report (3 of 4)—Issuing Processor Oct 2006

©2006 MasterCard October 2006 • MDS Settlement and Reports

3

©2006 MasterCard MDS Settlement and Reports • October 2006 0010 0011 0041

335 0.00 0.00 0.00

DEBIT/CREDIT

T O T A L

CREDIT FAIL % DEBIT/CREDIT FAIL %

SYSTEM DENIAL RATE FINANCIAL

48

32 0 0 4 0 8 0 4

287

199 28 24 36

TRANS COUNT

97.67

13.99

9.33 0.00 0.00 1.17 0.00 2.33 0.00 1.17

83.67

58.02 8.16 7.00 10.50

% OF TOTAL

C R E D I T

335

(S)30 41 43 51 (S)54 55 (S)61 (S)63

(00,10)

RESPONSE CODE

---------

---------

8

8

4

0 1 1 0 1 0 1 0

4

4 0 0 0

STAND IN COUNT

M A S T E R C A R D D E B I T S W I T C H MAESTRO POS DAILY PROCESSING SUMMARY I S S U I N G P R O C E S S O R

T O T A L

TRANSACTION NOT APPROVED SUBTOTAL

FORMAT ERROR LOST CARD STOLEN CARD INSUFFICIENT FUNDS EXPIRED CARD INVALID PIN,ALLOW CUSTOMER RETRY EXCEEDS WITHDRAWAL LIMIT ERROR IN DECRYPTION OF PIN BLOCK

TRANSACTION NOT APPROVED

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL PARTIAL DISPENSE NO RECEIPT ISSUED CUSTOMER CANCEL

PROCESSOR : TESTBANK USA PROCESSOR ID: 9999999999 ADVICE DESCRIPTION REASON

SWCHD143 REPORT

2.33

1.17

0.00 0.29 0.29 0.00 0.29 0.00 0.29 0.00

1.17

1.17 0.00 0.00 0.00

% OF TOTAL

343

343

52

32 1 1 4 1 8 1 4

291

203 28 24 36

TOTAL COUNT

100.00

15.16

9.33 0.29 0.29 1.17 0.29 2.33 0.29 1.17

84.84

59.18 8.16 7.00 10.50

% OF TOTAL

WORK OF 09/01/06 PAGE 4 ,,

Statistical Reports

Reports

Figure 3.66—SWCHD143 Maestro POS Daily Processing Summary Report (4 of 4)—Issuing Processor Oct 2006

3-139

Reports Statistical Reports

Daily Processor Performance Report—SWCHD320-1 Purpose:

Processors can use this report to track performance trends and to plan possible corrective actions.

Description:

This report indicates a processor’s acquiring and issuing performance. It identifies processor level transaction volume, response time to authorization requests, and processor availability, on an hourly basis.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Issuing Processor Refer to Table 3.28 for a description of the SWCHD320-1 report fields. Table 3.28—SWCHD320-1 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. TIME

The hour the statistics were collected

FINANCIAL TRANS

Total number of financial transactions per hour

INQUIRE TRANS

Total number of balance inquiry transactions per hour

FAILED

Total number of denied transactions per hour

TOTAL

The total number of transactions per hour (financial, inquiries, and denials)

PERCENT AVAILABLE

The percentage of time per hour that the processor is available

COUNT

The total transaction count per hour per category

RESP TIME

The average response time (in seconds) for the total transaction count for each hour

3-140

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Field

Description

Total Fields—Display at the bottom of each page. TOTAL

Total number of transactions and average response time per category

PEAK MINUTE/ TRANSACTION

The minute the processor had the highest volume and the transaction count

PEAK HOUR/ TRANSACTION

The hour the processor has the highest volume and the transaction count

AVAILABILITY % LOW

The hour the processor has the lowest percent availability

AVAILABILITY % HIGH

The hour the processor has the highest percent availability

©2006 MasterCard MDS Settlement and Reports • October 2006

3-141

3-142

4 1 2 2 2 1 0 3 0 10 30 1 0 3 9 27 3 0 0 0 0 0 0 0

1.000 .000 .500 .500 .500 1.000 .000 1.000 .000 .600 .466 .000 .000 .666 .666 .629 1.000 .000 .000 .000 .000 .000 .000 .000

FINANCIAL TRANS COUNT RESP TIME _________________

TOTAL 98 .602 PEAK MINUTE/TRANSACTION: PEAK HOUR /TRANSACTION: AVAILABILITY % LOW : AVAILABILITY % HIGH :

00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

TIME ____

D A I L Y

9 15.11/ 15.00/ 1.00/ 50.000 3.00/100.000

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 7 0 0 0 0 0 0 0 0 .667 7 34

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 1.000 .571 .000 .000 .000 .000 .000 .000 .000 .000 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

STAND-IN COUNT ________

5

1 1 1 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0

FAILED COUNT _______

112

5 2 3 2 2 1 0 3 0 10 32 1 0 3 11 34 3 0 0 0 0 0 0 0 .607

1.000 .000 .500 .500 .500 1.000 .000 1.000 .000 .600 .466 .000 .000 .666 .727 .617 1.000 .000 .000 .000 .000 .000 .000 .000

TOTAL COUNT RESP TIME _________________ % % % % % % % % % % % % % % % % % % % % % % % % 0.00 %

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENT STAND-IN _________

M A S T E R C A R D D E B I T S W I T C H P R O C E S S O R P E R F O R M A N C E R E P O R T ACQUIRING PROCESSOR

INQUIRE TRANS COUNT RESP TIME __________________

PROCESSOR : TEST NETWORK PROCESSOR ID: 9000099999

SWCHD320-1

% % % % % % % % % % % % % % % % % % % % % % % % 95.53 %

80.00 50.00 66.66 100.00 100.00 100.00 100.00 100.00 100.00 100.00 93.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

% AVAIL WITHOUT STAND-IN _________ % % % % % % % % % % % % % % % % % % % % % % % % 95.53 %

80.00 50.00 66.66 100.00 100.00 100.00 100.00 100.00 100.00 100.00 93.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

TOTAL PERCENT AVAILABLE __________

CALENDAR DATE 06/13/05 PAGE 2

Reports

Statistical Reports

Figure 3.67—SWCHD320-1 Daily Processor Performance Report (1 of 2)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

©2006 MasterCard MDS Settlement and Reports • October 2006

4 1 2 2 2 1 0 3 0 10 30 1 0 3 9 27 3 0 0 0 0 0 0 0

1.000 .000 .500 .500 .500 1.000 .000 1.000 .000 .600 .466 .000 .000 .666 .666 .629 1.000 .000 .000 .000 .000 .000 .000 .000

FINANCIAL TRANS COUNT RESP TIME _________________

TOTAL 98 .602 PEAK MINUTE/TRANSACTION: PEAK HOUR /TRANSACTION: AVAILABILITY % LOW : AVAILABILITY % HIGH :

00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

TIME ____

D A I L Y

9 15.11/ 15.00/ 1.00/ 50.000 3.00/100.000

0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 7 0 0 0 0 0 0 0 0 .667 7 34

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 1.000 .571 .000 .000 .000 .000 .000 .000 .000 .000 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

STAND-IN COUNT ________

M A S T E R C A R D P R O C E S S O R ISSUING

INQUIRE TRANS COUNT RESP TIME __________________

PROCESSOR : TEST NETWORK PROCESSOR ID: 9000099999

SWCHD320-1

5

1 1 1 0 0 0 0 0 0 0 2 0 0 0 0 0 0 0 0 0 0 0 0 0

FAILED COUNT _______

112

5 2 3 2 2 1 0 3 0 10 32 1 0 3 11 34 3 0 0 0 0 0 0 0 .607

1.000 .000 .500 .500 .500 1.000 .000 1.000 .000 .600 .466 .000 .000 .666 .727 .617 1.000 .000 .000 .000 .000 .000 .000 .000

TOTAL COUNT RESP TIME _________________ % % % % % % % % % % % % % % % % % % % % % % % % 0.00 %

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

PERCENT STAND-IN _________

D E B I T S W I T C H P E R F O R M A N C E R E P O R T PROCESSOR

% % % % % % % % % % % % % % % % % % % % % % % % 95.53 %

80.00 50.00 66.66 100.00 100.00 100.00 100.00 100.00 100.00 100.00 93.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

% AVAIL WITHOUT STAND-IN _________ % % % % % % % % % % % % % % % % % % % % % % % % 95.53 %

80.00 50.00 66.66 100.00 100.00 100.00 100.00 100.00 100.00 100.00 93.75 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

TOTAL PERCENT AVAILABLE __________

CALENDAR DATE 06/13/05 PAGE 3

Statistical Reports

Reports

Figure 3.68—SWCHD320-1 Daily Processor Performance Report (2 of 2)—Issuing Processor

3-143

Reports Statistical Reports

Processor Peak Performance Report—SWCHD321-1 Purpose:

Processors can use this report to track performance trends and to plan possible corrective actions.

Description:

This report shows the processor’s highest level of transaction volume for the day listed on the report. It identifies processor level transaction volume, response time to authorization requests, and processor availability, on an hourly basis. The report contains separate pages for the processor as acquirer and issuer.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.29 for a description of the SWCHD321-1 report fields. Table 3.29—SWCHD321-1 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. TIME

The hour the statistics were collected.

FINANCIAL TRANS

Total number of financial transactions per hour.

COUNT

The total transaction count per hour per category.

RESP TIME

The average response time (in seconds) for the total transaction count for each hour.

INQUIRE TRANS

Total number of balance inquiry transactions per hour.

COUNT

The total transaction count per hour per category.

RESP TIME

The average response time (in seconds) for the total transaction count for each hour.

FAILED TRANS COUNT

Total number of denied transactions per hour.

TOTAL TRANSACTIONS

The total transaction per hour (financial, inquiries and denials).

COUNT

The total transaction count per hour per category.

RESP TIME

The average response time (in seconds) for the total transaction count for each hour.

3-144

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Field

Description

PERCENT AVAILABLE

The percentage of time per hour that the processor is available.

Total Fields – Display at the bottom of each page PEAK MINUTE/ TRANSACTION

The minute the processor had the highest volume and the transaction count

PEAK HOUR/ TRANSACTION

The hour the processor has the highest volume and the transaction count.

AVAILABILITY % LOW

The hour the processor has the lowest percent availability.

AVAILABILITY % HIGH

The hour the processor has the highest percent availability.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-145

3-146

0 0 0 0 0 0 0 0 0 0 7 5,839 2,794 16 10 7 4 0 0 0 0 0 0 0

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 3.571 .285 .263 .562 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000

TOTAL 8,677 .283 PEAK MINUTE/TRANSACTION: PEAK HOUR /TRANSACTION: AVAILABILITY % LOW : AVAILABILITY % HIGH :

00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

TIME _____ .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .500 .295 .252 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000

1,970 .281 12.05/ 167 11.00/ 7,169 0.00/100.000 0.00/100.000

0 0 0 0 0 0 0 0 0 0 2 1,330 630 8 0 0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10,647

0 0 0 0 0 0 0 0 0 0 9 7,169 3,424 24 10 7 4 0 0 0 0 0 0 0 .282

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 2.888 .287 .261 .375 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000

% % % % % % % % % % % % % % % % % % % % % % % % 100.00 %

100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

M A S T E R C A R D D E B I T S W I T C H P R O C E S S O R P E A K P E R F O R M A N C E R E P O R T ACQUIRER PROCESSOR PEAK HOUR OCCURRENCE DATE: 05/26/04 PROCESSOR : TEST NETWORK PROCESSOR ID: 9000099999 FAILED FINANCIAL TRANS INQUIRE TRANS TRANS TOTAL TRANSACTIONS PERCENT COUNT RESP TIME COUNT RESP TIME COUNT COUNT RESP TIME AVAILABLE _________________ _________________ _________ ___________________ _________

SWCHD321-1 RUN DATE PAGE

6/14/05 1

Reports

Statistical Reports

Figure 3.69—SWCHD321-1 Processor Peak Performance Report (1 of 2)—Acquirer Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

©2006 MasterCard MDS Settlement and Reports • October 2006

0 0 0 0 0 0 0 0 0 0 7 5,839 2,794 16 10 7 4 0 0 0 0 0 0 0

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 3.571 .285 .263 .562 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000

FINANCIAL TRANS COUNT RESP TIME _________________

TOTAL 8,677 .283 PEAK MINUTE/TRANSACTION: PEAK HOUR /TRANSACTION: AVAILABILITY % LOW : AVAILABILITY % HIGH :

00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

TIME _____

FAILED

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .500 .295 .252 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000

1,970 .281 12.05/ 167 11.00/ 7,169 0.00/100.000 0.00/100.000

0 0 0 0 0 0 0 0 0 0 2 1,330 630 8 0 0 0 0 0 0 0 0 0 0

INQUIRE TRANS COUNT RESP TIME _________________

0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

TRANS COUNT _________

10,647

0 0 0 0 0 0 0 0 0 0 9 7,169 3,424 24 10 7 4 0 0 0 0 0 0 0 .282

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 2.888 .287 .261 .375 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000

TOTAL TRANSACTIONS COUNT RESP TIME ___________________ % % % % % % % % % % % % % % % % % % % % % % % % 100.00 %

100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENT AVAILABLE _________

M A S T E R C A R D D E B I T S W I T C H P R O C E S S O R P E A K P E R F O R M A N C E R E P O R T ISSUING PROCESSOR PEAK HOUR OCCURRENCE DATE: 05/26/04 PROCESSOR : TEST NETWORK PROCESSOR ID: 9000099123

SWCHD321-1 RUN DATE PAGE

6/14/05 2

Statistical Reports

Reports

Figure 3.70—SWCHD321-1 Processor Peak Performance Report (2 of 2)—Issuing Processor

3-147

Reports Statistical Reports

Processor Daily Summary Performance Report—SWCHD321-2 Purpose:

Processors can use this report to track performance trends and to plan possible corrective actions.

Description:

This report shows the processor’s highest level of transaction volume for the day listed on the report. It identifies processor level transaction volume, response time to authorization requests, and processor availability, on an hourly basis. This report combines acquirer and issuer transaction activity.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.30 for a description of the SWCHD321-1 report fields. Table 3.30—SWCHD321-2 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. TIME

The hour the statistics were collected

FINANCIAL TRANS

Total number of financial transactions per hour

COUNT

The total transaction count per hour per category

RESP TIME

The average response time (in seconds) for the total transaction count for each hour

INQUIRE TRANS

Total number of balance inquiry transactions per hour

COUNT

The total transaction count per hour per category

RESP TIME

The average response time (in seconds) for the total transaction count for each hour

FAILED TRANS COUNT

Total number of denied transactions per hour

TOTAL TRANSACTIONS

The total transaction per hour (financial, inquiries, and denials)

COUNT

The total transaction count per hour per category

RESP TIME

The average response time (in seconds) for the total transaction count for each hour

3-148

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Field

Description

PERCENT AVAILABLE

The percentage of time per hour that the processor is available

Total Fields—Display at the bottom of each page. PEAK MINUTE/ TRANSACTION

The minute the processor had the highest volume and the transaction count

PEAK HOUR/ TRANSACTION

The hour the processor has the highest volume and the transaction count

AVAILABILITY % LOW

The hour the processor has the lowest percent availability

AVAILABILITY % HIGH

The hour the processor has the highest percent availability

PEAK PROCESSOR CAPACITY UTILIZATION

The utilization is computed by estimating the peak transactions per hour that a processor can perform, based on that processor’s network configuration and calculating the actual peak hour transactions against the value for a percentage used during that hour.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-149

3-150

17,336

TOTAL

1.176

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 3.571 .285 .263 .562 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000 3,940

0 0 0 0 0 0 0 0 0 0 4 2,660 1,260 16 0 0 0 0 0 0 0 0 0 0 .349

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .500 .295 .252 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000 .000

INQUIRE TRANS COUNT RESP TIME _________________

0

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

FAILED TRANS COUNT _________

21,294

0 0 0 0 0 0 0 0 0 0 18 14,338 6,848 48 20 14 8 0 0 0 0 0 0 0 1.031

.000 .000 .000 .000 .000 .000 .000 .000 .000 .000 2.888 .287 .261 .375 .625 .000 1.750 .000 .000 .000 .000 .000 .000 .000

TOTAL TRANSACTIONS COUNT RESP TIME ___________________ % % % % % % % % % % % % % % % % % % % % % % % % 100.00 %

100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00

PERCENT AVAILABLE _________

M A S T E R C A R D D E B I T S W I T C H P R O C E S S O R P E A K C A P A C I T Y PEAK HOUR OCCURRENCE DATE: 05/26/04 ISSUER/AQUIRER COMBINED

PEAK MINUTE/TRANSACTION: 67.00/ 167 PEAK HOUR /TRANSACTION: 11.00/ 14,338 AVAILABILITY % LOW : 0.00/100.000 AVAILABILITY % HIGH : 0.00/100.000 PEAK PROCESSOR CAPACITY UTILIZATION: 0.000

0 0 0 0 0 0 0 0 0 0 14 11,678 5,586 32 16 2 8 0 0 0 0 0 0 0

FINANCIAL TRANS COUNT RESP TIME _________________

00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

TIME _____

PROCESSOR : TEST NETWORK PROCESSOR ID: 9000009999

SWCHD321-2 RUN DATE PAGE

6/14/05 132

Reports

Statistical Reports

Figure 3.71—SWCHD321-2 Processor Peak Capacity Report—Issuer/Acquirer Combined

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Transaction Interchange Month-to-Date—SWCHM03 Purpose:

The acquiring report reflects the types of transactions other cardholders performed at the processor’s terminals. The cardholder report reflects the types of transactions that the processor’s cardholders performed at other processor’s terminals. (This may be helpful for marketing analysis.)

Description:

This report provides summary information on the number of transactions interchanged with other processors connected to the MDS by product. The MDS produces this report daily with month-to-date totals. The report lists the processors on the left side in processor number order.

Frequency:

Daily, with month-to-date totals

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Cardholder Processor Refer to Table 3.31 for a description of the SWCHM03 report fields. Table 3.31—SWCHM03 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Fields—Display to the left of the page. DDA W/D

Cash withdrawal from a demand deposit (DDA) or checking

SAV W/D

Cash withdrawal from savings

CCD W/D

Cash advance from credit card

NO ACCT

Cash withdrawal—No Specified. The issuer will determine which to debit.

TRANSFERS

Funds transferred between checking (DDA) and savings (SAV).

INQUIRY

balance transactions

REVERSAL

List of exception items processed through MDS

DENIED

Includes all transactions denied by the issuer or the MDS

©2006 MasterCard MDS Settlement and Reports • October 2006

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Reports Statistical Reports

Field

Description

FOREIGN CARDS

All transactions that are routed to the MDS, but do not participate in the products ed by the MDS

PUR C/B

POS purchase with cash back

PUR SCRIP

Purchases made with a voucher dispensed by a scrip terminal (POS only)

PUR

Purchases made at a POS terminal

CORRECTION

Transactions that correct an error that the merchant discovers after the cardholder has left the Point-of-Sale device

LOAD

Load cash onto Mondex® chip card

UNLOAD

Unload cash from Mondex® chip card

RISK M

Risk Management transaction for the Mondex chip card

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©2006 MasterCard October 2006 • MDS Settlement and Reports

9000000689 FIRST MEMBER CASH WD SAV CASH WD DDA CASH ADV CREDIT CARD BALANCE INQ DENIED TOTAL 9000000690 SECOND MEMBER CASH WD SAV CASH WD DDA CASH ADV CREDIT CARD BALANCE INQ DENIED TOTAL 9000000691 THIRD MEMBER CASH WD SAV CASH WD DDA CASH ADV CREDIT CARD BALANCE INQ DENIED TOTAL GRAND TOTALS CASH WD SAV CASH WD DDA CASH ADV CREDIT CARD TRANSFER SAV TO DDA TRANSFER DDA TO SAV BALANCE INQ REVERSAL FOREIGN CARDS DENIED TOTAL

PROCESSOR : TEST MEMBER PROCESSOR ID: 9000098989

SWCHM03

SUMMARY

AS

ACQUIRING

PROCESSOR

WORK OF 07/10/05 PAGE 22

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 9,982 45,209 8,901 130 13 7,614 18 90 16,327 88,284

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

©2006 MasterCard MDS Settlement and Reports • October 2006 83 385 1,454 1 0 124 0 0 1,134 3,181

0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

2,816 16,852 1,111 19 0 3,170 3 0 4,231 28,202

37 149 54 61 117 418

34 73 94 54 74 329

8 23 13 14 27 85

0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

12,881 62,446 11,466 150 13 10,908 21 90 21,692 119,667

37 149 54 61 117 418

34 73 94 54 74 329

8 23 13 14 27 85

MASTERCARD MASTERCARD CIRRUS PLUS VISA MAESTRO DEBIT OTHER TOTAL ______________________________________________________________________________________________

TRANSACTION

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N I N T E R C H A N G E M O N T H - T O - D A T E F O R : J U L Y

Statistical Reports

Reports

Figure 3.72—SWCHM03 Transaction Interchange, Month-to-Date Report (1 of 2)

3-153

3-154 #4

#3

#2

#1

PROCESSOR : TEST MEMBER PROCESSOR ID: 9000009999

9000000991 TEST MEMBER CASH WD DDA BALANCE INQ DENIED TOTAL 9000000992 TEST MEMBER CASH WD DDA TOTAL 9000000993 TEST MEMBER CASH WD DDA TOTAL 9000000694 TEST MEMBER CASH WD SAV TOTAL GRAND TOTALS ATM PURCHASE CASH WD SAV CASH WD DDA CASH ADV CREDIT CARD CASH WD NAS TRANSFER SAV TO DDA TRANSFER DDA TO SAV BALANCE INQ REVERSAL DENIED CORRECTION TOTAL

SWCHM03

SUMMARY

AS

CARD

PROCESSOR

WORK OF 07/10/05 PAGE 24

2 2 18 15,223 46,072 67 3,549 214 30 8,790 23 13,076 2 87,064

0 0 0 0 0 0 0 0 0 0 0 0

1 1

1 1

8 5 3 16

0 0

0 0

0 0

0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0

0 0

0 0

0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0

0 0

0 0

0 0 0 0

0 109 797 0 122 1 1 220 0 397 0 1,647

0 0

0 0

0 0

0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0

0 0

0 0

0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0

0 0

0 0

0 0

0 0 0 0

18 15,332 46,869 67 3,671 215 31 9,010 23 13,473 2 88,711

2 2

1 1

1 1

8 5 3 16

MASTERCARD MASTERCARD CIRRUS PLUS VISA MAESTRO DEBIT OTHER TOTAL ______________________________________________________________________________________________

TRANSACTION

M A S T E R C A R D D E B I T S W I T C H T R A N S A C T I O N I N T E R C H A N G E M O N T H - T O - D A T E F O R : J U L Y

Reports

Statistical Reports

Figure 3.73—SWCHM03 Transaction Interchange, Month-to-Date Report (2 of 2)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Month-to-Date Processing Summary Report—SWCHM06 Purpose:

Processors should use this report to monitor their performance rates to ensure that they comply with network standards and to highlight the differences in debit and credit performance. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

Description:

This report provides a month-to-date summary of the processor’s performance by response code and completion code. This report lists a count of stand-in transactions that occurred at the time of MDS Stand-In processing by transaction type. The MDS segregates this report into debit and credit activity based on the prefix (BIN) functionality as an acquirer and card processor.

Frequency:

Daily with month-to-date totals

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Acquiring Processor and Cardholder Processor Refer to Table 3.32 for a description of the SWCHM06 report fields. Table 3.32—SWCHM06 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

DEBIT or CREDIT (Heading)

The MDS generates separate reports for debit and credit activity. This heading displays at the top of the page beside Processor name to identify the report.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the page, just below the Header fields. DESCRIPTION

The explanation of transaction types by the Response Code and Completion Code. •

Transaction Approved

•

Transaction Not Approved – with Subtotal

Each category will have a Subtotal providing total for trans counts and percentages. ADVICE REASON

The number assigned to each transaction type description.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-155

Reports Statistical Reports

Field

Description

RESPONSE CODE

The Response Code number assigned to each description. An (S) indicates that the MDS generated the response.

TRANS COUNT

Number of transactions

% OF TOTAL

Percentage of total transactions by Response and Completion Code

STAND-IN COUNT

Number of transactions processed by MDS Stand-In.

TOTAL COUNT

The combined total of transactions and Stand-In counts per transaction type description.

Total Fields—Display at the bottom of the page. TOTAL

The combined counts, percentages, and Stand In, for transactions approved and rejected.

TOTAL DEBIT/CREDIT Total number of debit/credit transactions. DEBIT FAIL % or CREDIT FAIL %

•

The credit and debit fail percentages for acquiring processors are calculated as: [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid (S92) + ATM processor inoperative (S80)] divided by [Total transaction count - cardholder proc not found (S15)].

•

The credit and debit fail percentages for card processors are calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91)] divided by [Total transaction count - cardholder proc non found (S15)].

DEBIT/CREDIT FAIL % •

•

MASTERCARD DEBIT TRANSACTIONS

The debit/credit fail percentage for acquiring processors is calculated as: [Format error (S30) + Invalid dollar amount (S13) + ATM proc or owning invalid (S92) + ATM processor inoperative (S80) {for both debit and credit}] divided by total debit/credit. The debit/credit fail percentage for card processors is calculated as: [cardholder proc timeout (S91) + cardholder proc inoperative billable (S91) + cardholder proc inoperative non-billable (S91) {for both debit and credit}] divided by total debit/credit.

This is the count total of MasterCard debit transactions. These numbers are not included in the report computations.

SYSTEM DENIAL RATE Is calculated as: [Unable to process financial (96) + cardholder proc inoperative FINANCIAL financial (91)] divided by [Total transaction count - cardholder proc inoperative inquiry (96) {for both debit and credit].

3-156

©2006 MasterCard October 2006 • MDS Settlement and Reports

3

ADVICE REASON

©2006 MasterCard MDS Settlement and Reports • October 2006

DEBIT FAIL % MASTERCARD DEBIT TRANSACTIONS

T O T A L

04 05 12 (S)12 (S)12 14 15 21 30 41 43 51 54 55 57 61 62 63 75 78 80 91 91 (S)91 (S)91

(00,10)

RESPONSE CODE

17,481 0.12 0

18 51 13 4 17 16 905 1 4 7 2 555 20 540 212 444 36 1 89 30 19 42 21 33 4 3,107

12,384 1,955 32 3 14,374

TRANS COUNT

----------

99.98

0.10 0.29 0.07 0.02 0.10 0.09 5.18 0.00 0.02 0.04 0.01 3.17 0.11 3.09 1.21 2.54 0.21 0.01 0.51 0.17 0.11 0.24 0.12 0.19 0.02 17.77

70.83 11.18 0.18 0.02 82.21

% OF TOTAL

D E B I T

3

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

3 0 0 0 3

STAND IN COUNT

0.02

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.02 0.00 0.00 0.00 0.02

% OF TOTAL

T S W I T C H N G S U M M A R Y C H C E S S O R

----------

M A S T E R C A R D D E B I MONTH-TO-DATE P R O C E S S I M O N T H O F M A R A C Q U I R I N G P R O

TRANSACTION APPROVED NORMAL BALANCE ATM FAILURE 0018 UNKNOWN MESSAGE RECEIVED 0000 TRANSACTION APPROVED SUBTOTAL TRANSACTION NOT APPROVED CAPTURE CARD DO NOT HONOR INVALID TRANSACTION INVALID TRANSACTION FINANCIAL INVALID TRANSACTION NON FINANCIAL INVALID CARDHOLDER NUMBER INVALID ISSUER STOP RECURRING PAYMENT FORMAT ERROR LOST CARD STOLEN CARD INSUFFICIENT FUNDS EXPIRED CARD INVALID PIN,ALLOW CUSTOMER RETRY TRANSACTION NOT PERM. TO ISS OR ACQ EXCEEDS WITHDRAWAL LIMIT RESTRICTED CARD ERROR IN DECRYPTION OF PIN BLOCK ALLOWABLE NUMBER OF PIN TRIES EXCEED INVALID SPECIFIED SYSTEM NOT AVAILABLE CARDHOLDER PROC INOP INQUIRY CARDHOLDER PROC INOP FINANCIAL CARDHOLDER PROC INOP BILLABLE CARDHOLDER PROC INOP NON BILLABLE TRANSACTION NOT APPROVED SUBTOTAL

DESCRIPTION

PROCESSOR : TEST BANK PROCESSOR ID: 9000009999

SWCHM06 REPORT

17,484

18 51 13 4 17 16 905 1 4 7 2 555 20 540 212 444 36 1 89 30 19 42 21 33 4 3,107

12,387 1,955 32 3 14,377

TOTAL COUNT

159

100.00

0.10 0.29 0.07 0.02 0.10 0.09 5.18 0.00 0.02 0.04 0.01 3.17 0.11 3.09 1.21 2.54 0.21 0.01 0.51 0.17 0.11 0.24 0.12 0.19 0.02 17.77

70.85 11.18 0.18 0.02 82.23

% OF TOTAL

PAGE

WORK OF 03/10/06

Statistical Reports

Reports

Figure 3.74— SWCHM06 Month-To-Date Processing Summary Report (1 of 4)—Acquiring Processor

3-157

3-158

3

0018

TRANSACTION APPROVED NORMAL BALANCE ATM FAILURE

MASTERCARD DEBIT TRANSACTIONS

TRANSACTION NOT APPROVED CAPTURE CARD DO NOT HONOR INVALID TRANSACTION INVALID TRANSACTION FINANCIAL INVALID TRANSACTION NON FINANCIAL INVALID CARDHOLDER NUMBER STOP RECURRING PAYMENT FORMAT ERROR INSUFFICIENT FUNDS EXPIRED CARD INVALID PIN,ALLOW CUSTOMER RETRY TRANSACTION NOT PERM. TO ISS OR ACQ EXCEEDS WITHDRAWAL LIMIT RESTRICTED CARD ALLOWABLE NUMBER OF PIN TRIES EXCEED INVALID SPECIFIED CARDHOLDER PROC INOP FINANCIAL CARDHOLDER PROC INOP BILLABLE CARDHOLDER PROC INOP NON BILLABLE ATM PROC OR OWNING INVALID UNABLE TO PROCESS FINANCIAL TRANSACTION NOT APPROVED SUBTOTAL T O T A L T O T A L DEBIT/CREDIT CREDIT FAIL % DEBIT/CREDIT FAIL %

TRANSACTION APPROVED SUBTOTAL

ADVICE REASON

04 05 12 (S)12 (S)12 14 21 (S)30 51 54 55 57 61 62 75 78 91 (S)91 (S)91 92 96

(00,10)

RESPONSE CODE

0

5 29 21 4 5 6 1 1 141 5 365 137 63 25 20 6 6 3 4 2 5 854 2,731 20,212 0.10 0.11

1,877

1,591 283 3

TRANS COUNT

---------

0.18 1.06 0.77 0.15 0.18 0.22 0.00 0.04 5.16 0.18 13.37 5.02 2.31 0.92 0.73 0.22 0.22 0.11 0.15 0.07 0.18 31.27 100.00

68.73

58.26 10.36 0.11

% OF TOTAL

C R E D I T

M A S T E R C A R D D E B I MONTH-TO-DATE P R O C E S S I M O N T H O F M A R A C Q U I R I N G P R O

DESCRIPTION

PROCESSOR : TEST BANK PROCESSOR ID: 9999999999

SWCHM06 REPORT

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3

0

0

0

STAND IN COUNT

---------

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

0.00

0.00

% OF TOTAL

T S W I T C H N G S U M M A R Y C H C E S S O R

5 29 21 4 5 6 1 1 141 5 365 137 63 25 20 6 6 3 4 2 5 854 2,731 20,215

1,877

1,591 283 3

TOTAL COUNT

160

0.18 1.06 0.77 0.15 0.18 0.22 0.00 0.04 5.16 0.18 13.37 5.02 2.31 0.92 0.73 0.22 0.22 0.11 0.15 0.07 0.18 31.27 100.00

68.73

58.26 10.36 0.11

% OF TOTAL

PAGE

WORK OF 03/10/06

Reports

Statistical Reports

Figure 3.75—SWCHM06 Month-To-Date Processing Summary Report (2 of 4)—Acquiring Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

©2006 MasterCard MDS Settlement and Reports • October 2006

DEBIT FAIL % DISCOUNTED DEBIT FAIL % DEBIT SYSTEM DENIAL RATE FINANCIAL MASTERCARD DEBIT TRANSACTIONS

T O T A L

TRANSACTION NOT APPROVED CAPTURE CARD 04 DO NOT HONOR 05 INVALID TRANSACTION FINANCIAL (S)12 INVALID TRANSACTION NON FINANCIAL (S)12 INVALID CARDHOLDER NUMBER 14 STOP RECURRING PAYMENT 21 FORMAT ERROR (S)30 LOST CARD 41 STOLEN CARD 43 INSUFFICIENT FUNDS 51 EXPIRED CARD 54 INVALID PIN,ALLOW CUSTOMER RETRY 55 EXCEEDS WITHDRAWAL LIMIT 61 ERROR IN DECRYPTION OF PIN BLOCK 63 ALLOWABLE NUMBER OF PIN TRIES EXCEED 75 INVALID SPECIFIED 78 TRANSACTION NOT APPROVED SUBTOTAL

0.00 0.00 0.00 0

68,623

87 30 15 3 82 1 94 29 11 1,972 134 2,671 1,231 2 82 325 6,768

61,855

TRANSACTION APPROVED SUBTOTAL

99.97

0.13 0.04 0.02 0.00 0.12 0.00 0.14 0.04 0.02 2.87 0.20 3.89 1.79 0.00 0.12 0.47 9.86

90.11

80.66 8.93 0.07 0.43 0.02 0.00 0.00 0.00 0.00

55,367 6,127 50 292 13 1 3 1 1

D E B I T % OF TOTAL

RESPONSE CODE (00,10)

----------

22

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

22

7 0 0 8 4 3 0 0 0

STAND IN COUNT

0.03

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.03

0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00

% OF TOTAL

T S W I T C H N G S U M M A R Y C H C E S S O R

----------

M A S T E R C A R D D E B I MONTH-TO-DATE P R O C E S S I M O N T H O F M A R I S S U I N G P R O

TRANS COUNT

3

PROCESSOR : TEST BANK PROCESSOR ID: 9999999999 ADVICE DESCRIPTION REASON TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE 0010 ATM FAILURE 0018 ATM TIMEOUT 0019 CUSTOMER TIMEOUT 0040 CUSTOMER CANCEL 0041 UNKNOWN MESSAGE RECEIVED 0000 SWCH DENIED INVALID DATA 0000

SWCHM06 REPORT

68,645

87 30 15 3 82 1 94 29 11 1,972 134 2,671 1,231 2 82 325 6,768

61,877

55,374 6,127 50 300 17 4 3 1 1

TOTAL COUNT

100.00

0.13 0.04 0.02 0.00 0.12 0.00 0.14 0.04 0.02 2.87 0.20 3.89 1.79 0.00 0.12 0.47 9.86

90.14

80.67 8.93 0.07 0.44 0.02 0.01 0.00 0.00 0.00

% OF TOTAL

PAGE

161

WORK OF 03/10/06

Statistical Reports

Reports

Figure 3.76—SWCHM06 Month-To-Date Processing Summary Report (3 of 4)—Issuing Processor

3-159

3-160 3

0010 0018 0019 0041

ADVICE REASON (00,10)

DEBIT/CREDIT CREDIT FAIL % DEBIT/CREDIT FAIL % DISCOUNTED CREDIT FAIL % DISCOUNTED DEBIT/CREDIT FAIL % CREDIT SYSTEM DENIAL RATE FINANCIAL DEBIT/CREDIT SYSTEM DENIAL RATE FINANCIAL MASTERCARD DEBIT TRANSACTIONS

T O T A L T O T A L

TRANSACTION NOT APPROVED SUBTOTAL 2,275 70,898 0.00 0.00 0.00 0.00 0.00 0.00 0

323

1 4 1 4 1 74 2 131 104 1 1

1,952

1,724 210 4 10 1 3

TRANS COUNT

---------

100.00

14.20

0.04 0.18 0.00 0.18 0.04 3.25 0.09 5.76 4.57 0.04 0.04

85.80

75.78 9.23 0.18 0.44 0.04 0.13

% OF TOTAL

C R E D I T

0 22

0

0 0 0 0 0 0 0 0 0 0 0

0

0 0 0 0 0 0

STAND IN COUNT

---------

0.00

0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00

0.00 0.00 0.00 0.00 0.00 0.00

% OF TOTAL

M A S T E R C A R D D E B I T S W I T C H MONTH-TO-DATE P R O C E S S I N G S U M M A R Y M O N T H O F M A R C H I S S U I N G P R O C E S S O R

RESPONSE CODE

CAPTURE CARD 04 INVALID TRANSACTION FINANCIAL (S)12 STOP RECURRING PAYMENT 21 FORMAT ERROR (S)30 STOLEN CARD 43 INSUFFICIENT FUNDS 51 EXPIRED CARD 54 INVALID PIN,ALLOW CUSTOMER RETRY 55 EXCEEDS WITHDRAWAL LIMIT 61 ALLOWABLE NUMBER OF PIN TRIES EXCEED 75 INVALID SPECIFIED 78

TRANSACTION NOT APPROVED

TRANSACTION APPROVED SUBTOTAL

TRANSACTION APPROVED NORMAL BALANCE PARTIAL DISPENSE ATM FAILURE ATM TIMEOUT CUSTOMER CANCEL

DESCRIPTION

PROCESSOR : TEST BANK PROCESSOR ID: 9999999999

SWCHM06 REPORT

2,275 70,920

323

1 4 1 4 1 74 2 131 104 1 1

1,952

1,724 210 4 10 1 3

TOTAL COUNT

100.00

14.20

0.04 0.18 0.00 0.18 0.04 3.25 0.09 5.76 4.57 0.04 0.04

85.80

75.78 9.23 0.18 0.44 0.04 0.13

% OF TOTAL

PAGE

162

WORK OF 03/10/06

Reports

Statistical Reports

Figure 3.77—SWCHM06 Month-To-Date Processing Summary Report (4 of 4)—Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Statistical Reports

Month-to-Date Denial Summary Report—SWCHM07 Purpose:

Processors use this report to evaluate performance.

Description:

This report is a summary of all the denial response codes issued to the issuing processor. In each column listed across the top of the report is the number of transactions and percentages to correspond with each response code. (The report separates them in Debit, Credit, and Total.) This report accumulates totals to date on a daily basis.

Note

Frequency:

Daily, with month-to-date totals

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

This report only logs the transaction detail for the issuing processor.

Issuer Refer to Table 3.33 for a description of the SWCHM07 report fields. Table 3.33—SWCHM07 Fields Field

Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Data Fields—Display to the left of the page. TOTAL CARDHOLDER FAILURES

Includes timeouts and inoperative (S91) responses.

TOTAL TERMINAL PROCESSOR FAILURES

These totals reflect the processor’s cardholders at other network processors Terminals. Includes format errors (30, S30, 92, S92) and inoperative (S80).

TOTAL FAILURES

This represents a sub-total of transactions for Total Cardholder Failures and Total Terminal processor Failures.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-161

Reports Statistical Reports

Field

Description

TOTAL SYSTEMATIC PROCESSOR DENIALS

Includes Inoperative (91), and Unable to Process (96).

TOTAL POLICY PROCESSOR DENIALS

It is the sum of transactions with the following Response Codes: •

Invalid Transaction Selection (12, S12, 57, 58)

•

Invalid Dollar Amount (13, S13)

•

Exceeds Withdrawal Limit (61)

•

Invalid PIN (55, 75)

•

Bad Selection (14, 78)

•

Hot (41, 43, 62, 04)

•

Expired Card (54)

•

Insufficient Funds (51)

•

Invalid Interchange

•

Do Not Honor (01, 05)

TOTAL DENIALS

A subtotal transaction count and percent by debit and credit, and a combined total for systematic processor denials and policy processor denials.

TOTAL

A subtotal of transaction count and percent by debit and credit, and a combined total for cardholder failures, terminal processor failures, systematic processor denials, and policy processor denials.

TURNDOWNS TOTAL APPROVED TRANSACTIONS

TOTAL TRANSACTIONS

3-162

This total represents a sum of all approved transactions including: financials, balances, and address verifications. •

Transactions Approved (00)

•

Balance Inquiries (00)

•

AVS/EC Certificate Auth Approval (85)

The total number of all transactions for the month to date. Including all declined and approved transaction counts and percent by, debit and credit, and a combined total.

©2006 MasterCard October 2006 • MDS Settlement and Reports

©2006 MasterCard MDS Settlement and Reports • October 2006 6,078 617 0 6,695 8,874

FINANCIAL TRANSACTIONS APPROVED(00,10) INQUIRY TRANSACTIONS APPROVED (00) AVS/EC CERTIFICATE AUTH APPROVAL (85) TOTAL APPROVED TRANSACTIONS TOTAL TRANSACTIONS

* FAILURES ENCOUNTERED BY OTHER CIRRUS TERMINAL PROCESSORS

368 0 744 169 28 59 0 715 0 49 2,132 2,132 2,179

0 0 0 0 0

INVALID TRANS SELECTION (S12,12,57,58) INVALID AMOUNT (13,S13) EXCEEDS WITHDRAWAL LIMIT (61,65) INVALID PIN (55,75) INVALID SELECTION(14,78) STATUSED (41,43,62,04) EXPIRED CARD (54) INSUFFICIENT FUNDS (51) INVALID INTERCHANGE DO NOT HONOR (01,05) TOTAL ISSUER POLICY DENIALS TOTAL DENIALS TOTAL DECLINES

ISSUER UNAVAILABLE INQUIRY (S91,91) ISSUER UNAVAILABLE FINANCIAL (91) ISSUER UNABLE TO PROCESS INQUIRY (96) ISSUER UNALBE TO PROCESS FINANCIAL(96) TOTAL ISSUER SYSTEMIC DENIALS

47

TOTAL FAILURES

100.00

68.49 6.95 0.00 75.44

4.14 0.00 8.38 1.90 0.31 0.66 0.00 8.05 0.00 0.55 24.02 24.02 24.55

0.00 0.00 0.00 0.00 0.00

0.52

0.02 0.09 0.11 0.41 0.00 0.41

-------- DEBIT ------NUMBER PERCENT 2 8 10 37 0 37

PROCESSOR : TEST BANK PROCESSOR ID: 9999999999

0

0 0 0 0

0 0 0 0 0

0

0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0 0 0 0

0.00

0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00

0.00

0.00 0.00 0.00 0.00 0.00 0.00

-------- CREDIT -----NUMBER PERCENT

M A S T E R C A R D D E B I T S W I T C H MONTH-TO-DATE D E N I A L S U M M A R Y R E P O R T M O N T H O F M A R C H I S S U E R

ISSUER PROCESSOR TIMEOUTS (S91) ISSUER PROCESSOR INOPERATIVE (S91) TOTAL ISSUER FAILURES * FORMAT ERRORS (S30,30,92) * ACQUIRER PROCESSOR INOPERATIVE (S80) * TOTAL ACQUIRER PROCESSOR FAILURES

SWCHM07 03/10/06 PAGE 3

8,874

6,078 617 0 6,695

368 0 744 169 28 59 0 715 0 49 2,132 2,132 2,179

0 0 0 0 0

47

2 8 10 37 0 37

100.00

68.49 6.95 0.00 75.44

0.00 0.55 24.02 24.02 24.55

4.14 0.00 8.38 1.90 0.31 0.66 0.00

0.00 0.00 0.00 0.00 0.00

0.52

0.02 0.09 0.11 0.41 0.00 0.41

-------- TOTAL ------NUMBER PERCENT

SETTLEMENT DATE:

Statistical Reports

Reports

Figure 3.78—SWCHM07 Month-To-Date Denial Summary Report—Issuer

3-163

Reports ISIS Reports

ISIS Reports ISIS s the settlement of local transactions submitted in currencies other than U.S. dollars. It also s intra-currency settlement. It enables participating to establish unique interchange fees for their intracurrency arrangement transactions and to operate on their own holiday schedule.

Oct 2006

ISIS transactions are displayed on the reports in the designated currency of the ISIS agreement. The SWCHD363 Daily Control Report will detail each ISIS settlement currency ed within a processor. ISIS Agreement detail, settlement service information, settlement currency and country information are reported to further define ISIS financial and interchange totals. Refer to Table 3.5 for a description of the SWCHD363 report fields. Report samples follow the table. The SWCHD412 Daily Interchange Report will also detail interchange information for each ISIS processor by the designated settlement currency. Detail transaction interchange counts and amounts will be reported on the SWCHD412 report. Refer to Table 3.6 for a description of the SWCH412 report fields. Report samples follow the table. Related ISIS reports are detailed in Table 3.34. These reports enable to research, identify and reconcile; transactions, fees, and their net settlement as reported in their 1740 IPM settlement record. ISIS transactions are identified by the PROD TYPE field on the report. The third position of this field will contain a 2 to uniquely identify the ISIS transactions. Table 3.34—ISIS Related Reports

3-164

Report Number

Name

Purpose

SWCHD53

Exception Audit

Processors use this report to ensure the MDS has processed all exception items and to track incoming and outgoing exception items for the processor. Processors should use the report to initiate the research for representments and to monitor for excessive chargebacks that could be subject to sanction.

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports ISIS Reports

Report Number

Name

Purpose

SWCHD55

Detailed Suspect Items

Processors should use this enriched report to determine why a transaction failed. This report can assist in the reconciliation process by identifying the differences between the processor’s internal reports and the MDS reports.

SWCHD57, SWCHD108

Transaction Audit Reports

With MDS Release 06.3, MasterCard will no longer send the Transaction Audit Reports—SWCHD57 and SWCHD108 to . These reports are obsolete and will not be updated or modified in future releases. may use the 250-byte Batch Data File as an alternate reference to locate information that was previously found in the Transaction Audit Reports.

These reports are obsolete but can be requested until April 2007.

To allow more time to convert to the 250-byte Batch Data File format, may request to continue to receive uninterrupted delivery of these reports through 3 April 2007. SWCHD118

Retrieval Request Fulfillment

Debit MasterCard processors can use this report to track and monitor retrievals, and to ensure that acquirers have processed and fulfilled retrievals.

SWCHD144

Maestro POS Transaction Audit

For issuers, the report sequence provides tracking capabilities and session reporting analysis. For acquirers, the report sequence enables processors with multiple corresponding to review transactions by Institution and Term ID.

Note

Full descriptions of these reports and report examples are found in the Detail Activity Reports section of this manual.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-165

Oct 2006

Reports Stand-In Reports

Stand-In Reports Stand-In reports assist processors in monitoring their system’s percentage of availability, withdrawal limits, usage counts, and card statuses for all transactions the MDS routed to Debit Stand-In during periods the processor was unavailable. There are two types of Stand-In reports: •

NICS Database File reports—These reports provide the status information of

the VIP Card file and the Hot Card file records.

•

−

VIP is any MasterCard® Card selected by the member to receive higher withdrawal limits and usage counts for the individual VIP s during Stand-In activity. They are listed in the File with an entry reason code of V.

−

A Hot Card is a card being used on an on which excessive purchasing is taking place. This may indicate a lost or stolen card or other unauthorized purchasing.

Stand-In Transaction report—SWCHD149—This report provides the details of

financial transaction activity during Stand-In processing. It is documented on the following pages.

Related Reports Additional Stand-In information may be present within other reports. Stand-In transactions are identified by STND in the RESP Code field on the related report. Table 3.35—Stand-In Related Reports

3-166

Manual Section

Number

Name

Purpose

SWCHD53

Exception Processors use this reports to ensure Audit Report the MDS has processed all exception items and to track incoming and outgoing exception items for the processor. Processors should use the report to initiate the research for representments and to monitor for excessive chargebacks that could be subject to sanction.

Detail Activity Reports

©2006 MasterCard October 2006 • MDS Settlement and Reports

Oct 2006

Reports Stand-In Reports

Manual Section

Number

Name

Purpose

SWCHD61

Daily Processing Summary

Processors should use this report to monitor their performance rates to ensure they comply with network standards and to highlight the differences in debit and credit performance. Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

SWCHD147-1

Negative File This report gives Updates the ability to track changes made to the MDS Stand-In Negative Card file.

Detail Activity Reports

SWCHD147-2

VIP File Updates

Detail Activity Reports

SWCHD149

Stand-In For issuers, the report provides Transaction tracking capabilities for all Audit Report transactions that the MDS routed to Debit Stand-In during periods the processor was unavailable

Stand-In Reports

SWCHM06

Month-to-DateProcessors should use this report to Processing monitor their performance rates to Summary ensure that they comply with Report network standards and to highlight the differences in debit and credit performance.

Statistical Reports

This report gives the ability to track changes made to the MDS Stand-In VIP file.

Oct 2006

Statistical Reports

Processors can use this report to identify problems such as PIN failures, invalid selection, format errors, and the need for increased cardholder education.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-167

Reports Stand-In Reports

Stand-In Transaction Audit Report—SWCHD149 Purpose:

For issuers, the report provides tracking capabilities for all transactions that the MDS routed to Debit Stand-In during periods the processor was unavailable.

Description:

This is a two-line report used by switch time (SWCH TIME) order. It details all the financial transactions that were processed in debit Stand-In. These transactions may be approved or declined depending on the disposition of the transaction indicated by the response code.

Frequency:

Daily

Availability:

Available through Global File Transfer and eService on MasterCard OnLine.

Refer to Table 3.36 for a description of the SWCHD149 report fields. Table 3.36—SWCHD149 Fields Field

ISO DE Description

Header Fields—Display at top of all pages of the report. PROCESSOR

The processor name.

PROCESSOR ID

The MDS-assigned processor/member identification number.

Column Headings—Display across the top of the page. Data related to these headings display first for each transaction. REC DATE

7

The date the transaction was processed on the MDS system.

SWCH TIME

7

The time the transaction was processed on the MDS system.

SWCH SERIAL

63

The unique number assigned by the MDS to each transaction processed in the system.

ACQ NAME

43

The name of the bank/processor acquiring the transaction. This includes both ATM and POS terminals.

PROC CODE

3

The Processing Code describes the effect of a transaction on a cardholder , and the type affected.

TRACE NO.

11

The message initiator assigns a unique Trace Number to identify a transaction.

REF NO.

37

Identifies the serial number printed on the customer receipt.

ACQ LOCATION

43

The physical location of the ATM or POS terminal.

PAN

2

Primary Number. This is the cardholder number used to identify the being accessed during the transaction.

3-168

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Stand-In Reports

Field

ISO DE Description

TERM ID

41

The unique ID assigned by the acquirer to each terminal.

ADV REASON

60

The Advice Reason Code indicates the specific purpose of an advice message.

CASH BACK

54

Provides the cash back amount information on a purchase transaction. This field will be reported in the acquirer processor’s settlement currency for the acquirer, and the issuer processor’s settlement currency for the issuer.

ACCESS INT

28

An additional fee or a surcharge to an ATM transaction. This field will be reported in the acquirer processor’s settlement currency for the acquirer, and the issuer processor’s settlement currency for the issuer. The acquirer must clearly present the surcharge amount to the cardholder before completing the transaction.

ISS INST

mx

The Card processor’s Routing and Transit (ABA number.) This number identifies the card processor to the MDS.

ACQ INST

32

The acquirer processor’s Routing and Transit Number (ABA number). This number identifies the acquirer to the MDS. It can identify either an ATM or POS processor.

PRODUCT

63

This field identifies the product accessed and the related interchange rate. Valid product type codes are: MC MasterCard CI

Cirrus®

MS Maestro® MD Debit MasterCard® MX Mondex™ chip card PL PLUS VI

Visa

Valid interchange rate codes are: 0

U.S. and Canada Regions

1

Asia Pacific, Europe, Latin America and Middle East/Africa Regions

2

Intracountry (ISIS) format

Only products with activity display on the report. CC TRAN

49

The ISO assigned currency code. It indicates the local currency used at the terminal.

CC STL

NA

The ISO assigned settlement currency.

CONV RT

9

Currency Conversion rate used to convert local currency to issuer processor settlement currency amount. The MDS does not provide this information for balance inquiry transactions.

CMP LOCAL

4

The completed amount of the transaction in local currency. Local currency is the currency of the acquirer. This amount does not include fees.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-169

Oct 2006

Reports Stand-In Reports

Field CMP SETL

ISO DE Description 5

The completed amount in the settlement currency. The amount of funds to be transferred between acquirer and issuer processor.

COMPLETED

MX

Completed amount in the settlement currency of the acquirer processor for the acquirer, and the settlement currency of the issuer processor for the issuer.

INT

29

The Interchange Fee is the transferred fee between acquiring and issuer processor in the settlement currency of the acquirer processor for the acquirer, and the settlement currency of the issuer processor for the issuer.

RESP

39

The Response Code defines the disposition of a message. Refer to the MDS Online Specifications manual for additional information about response codes.

3-170

©2006 MasterCard October 2006 • MDS Settlement and Reports

022039

US BANK - DHINESH

DETROIT

MI 111GD

CC TRN STL 840 840 840 840 840 PRODUCT CONV RT MC1 11000000 MC1 11000000 MC1

011111108 840 11000000

ACQ ISS INST RSN ACQ INST 111 010610600 011111108 111 010610600 011111108 111 010610600

SETTLEMENT DATE: 07/18/05 PAGE 1

201.25D

0

1.25D

-----------------AMOUNTS----------------CMP LOCAL COMPLETED ACCESS CMP SETL CASH BACK INT 2000 20.00 .00D 21.25D 0 1.25D 2000 20.00 .00D 21.25D 0 1.25D 20000 200.00 .00D

M A S T E R C A R D D E B I T S W I T C H S T A N D - I N T R A N S A C T I O N A U D I T R E P O R T I S S U I N G P R O C E S S O R PROCESSOR : TEST PROCESSOR PROCESSOR ID: 9000012121

REC SWCH PROC TRACE DATE SERIAL CODE NO. REF NO. PAN RESP SWCH TIME ACQ NAME ACQ LOC TERM ID ADV 07/18 402320049 011000 000029 00805003 0005410411111100009 00 021043 US BANK - DHINESH DETROIT MI 111GD 07/18 403225049 011000 000031 00810007 0005410411111100009 00 021357 US BANK - DHINESH DETROIT MI 111GD 07/18 404205049 011000 000033 00795005 0005410411111100009 00

SWCHD149

Stand-In Reports

Reports

Figure 3.79—SWCHD149 Stand-in Transaction Audit Report—Issuing Processor

©2006 MasterCard MDS Settlement and Reports • October 2006

3-171

Reports Processor Availability Reports

Processor Availability Reports The MDS creates a series of daily reports (based on Issuer transactions) and that are indexed by Processor number. The four reports available to (through eService) showing processor availability are: •

MS1100BB—Daily Processor Up Time Report (Settlement Date)

•

MS1100DD—Daily Processor Up Time Report (Calendar Date)

•

MS1101AA—Monthly Processor Up Time Report

•

MS1101BB—Month To Date Report

Refer to Table 3.37—Processor Availability Reports Fields for a description of the report fields for these reports. The field descriptions are the same for all four reports. Table 3.37—Processor Availability Reports Fields Field

Description

Header Fields—Display at the top of all pages of the report. PROCESS DATE

The date that the report was created.

WORK OF:

The date/time period that covers the reported information.

PROCESSOR:

The processor name.

PROCESSOR ID:

The MDS-assigned processor/member identification number.

PROCESSOR COUNTRY:

The country where the processor is located.

PROCESSOR REGION:

The numeric region code assigned per the Processor Quick Reference Booklet.

BUSINESS ENTITY:

The name of the business entity that the Processor Number is associated with. A single business entity can have several different Processor Names and Numbers associated with it.

Column Headings—Display across the top of the page APPROVED TRANSACTIONS:

The number of approved transactions during that hour that were logged by the MDS.

DENIED TRANSACTIONS:

The number of rejected transactions during that hour that were logged by the MDS.

COMM RELATED TIME-OUTS:

Transactions that were identified by the MDS as network errors.

3-172

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Processor Availability Reports

Field

Description

NON-COMM RELATED TIME-OUTS:

Transactions that were identified by the MDS that had a Response Code of 91, 91(s), or 96.

TOTAL TRANSACTIONS

The total count of approved, denied, Comm Related, and Non-Comm Related Transactions.

STAND-IN TRANSACTIONS:

The total number of Stand-In transactions.

UP TIME PERCENTAGE:

The formula for this field is: Total Transactions – Non-Comm Related Time Outs/Total Transactions.

DOWN TIME PERCENTAGE

The formula for this field is: 1.0 – Up Time Percentage.

Total Field—Displays at the bottom of the page. Total

The complete totals for each column.

Note

Total line is the same as above except it uses the complete totals for each column.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-173

Reports Processor Availability Reports

Daily Processor Up Time Report (Settlement Date)—MS1100BB Purpose:

The MDS generates this report on a daily basis for all issuing processors. The report displays processor activity by settlement cut-off time, broken down by hour and settlement date.

Description:

This report provides summary availability data for each hour of that settlement period. If a processor settles at 15:00 (CT) daily, then the details are from 15:00 (CT) of the first day until 14:00 (CT) of the next day. The report displays the date that the MDS job processed (Process Date) and the date of the data/work that was processed (Work of). This is displayed in the MM/DD/YYYY format. Since the data covers a 24 hour period, the report is broken down to cover the starting and ending dates for the data. The top section of the report describes: • Who the processor is • The Processor ID (processor number) • The Processor Country • The Processor Region • The Business Entity that the processor is associated with The next section identifies the: • Number of Approved Transactions • Denied Transactions • Comm Related Time-outs (network communication errors) • Non-Comm Related Time-outs (RC 91, RC91(s) and RC96 errors) • Total Transaction • Stand-In Transactions • Up Time Percentage • Down Time Percentage. The last line is a total of all of the transactions for the 24 hour period displayed and the calculated percentages for the UP and Down times.

Frequency:

Daily

Availability:

Available only through eService on MasterCard OnLine.

Refer to Table 3.37—Processor Availability Reports Fields for a description of the MS1100BB report fields.

3-174

©2006 MasterCard October 2006 • MDS Settlement and Reports

: TEST BANK

©2006 MasterCard MDS Settlement and Reports • October 2006 0 0 0 0 0 0 0 0 0 0 0 0 0 18 15 16 11 13 7 14 9 4

==============

02:00

03:00

04:00

05:00

06:00

07:00

08:00

09:00

10:00

11:00

12:00

13:00

14:00

15:00

16:00

17:00

18:00

19:00

20:00

21:00

22:00

23:00

107

==============

0

01:00

TOTAL

4

0

00:00

22

1

0

0

3

4

6

1

3

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

______________

_____

TRANSACTIONS

DENIED

TRANSACTIONS

APPROVED

PROCESSOR COUNTRY: USA

PROCESSOR ID: 9000009999

PROCESSOR

0

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TIME-OUTS

COMM RELATED

0

===============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

_______________

TIME-OUTS

129

==============

8

10

14

7

16

15

22

16

21

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TRANSACTIONS

STAND-IN

TEST BANK

______________

TRANSACTIONS

TOTAL

BUSINESS ENTITY:

NONCOMM RELATED

PROCESSOR REGION: 01

R E P O R T

S W I T C H T I M E

BY ISSUING PROCESSOR

U P

D E B I T

P R O C E S S O R

M A S T E R C A R D D A I L Y

TIME

MS1100BB

PAGE:

1

UP TIME

100.00

==========

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

__________

PERCENTAGE

0.00

==========

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

__________

PERCENTAGE

DOWN TIME

WORK OF 03/27/2006

PROCESS DATE 03/29/2006

Processor Availability Reports

Reports

Figure 3.80—MS1100BB Daily Processor Up Time Report (1 of 2)—By Iss. Processor—Settle Date

3-175

3-176 : TEST BANK

337

==============

==============

TOTAL

0 148

0

0

0

0

0

0

0

0

0

13

23:00

14:00

8

0

13:00

15

22:00

30

12:00

15

0

26

11:00

30

21:00

42

10:00

17

0

37

09:00

12

20:00

40

08:00

13

0

45

07:00

7

19:00

25

06:00

5

0

32

05:00

6

18:00

14

04:00

3

0

21

03:00

2

17:00

8

02:00

0

0

9

01:00

2

16:00

4

00:00

______________

0

1

_____

TRANSACTIONS

DENIED

3

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

3

0

0

0

0

0

0

0

0

0

______________

TIME-OUTS

COMM RELATED

0

===============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

_______________

TIME-OUTS

488

==============

0

0

0

0

0

0

0

0

0

43

34

57

52

70

65

37

45

21

26

14

12

6

1

5

______________

0

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TRANSACTIONS

STAND-IN

TEST BANK

TRANSACTIONS

TOTAL

BUSINESS ENTITY:

NONCOMM RELATED

PROCESSOR REGION: 01

R E P O R T

S W I T C H T I M E

BY ISSUING PROCESSOR

U P

D E B I T

P R O C E S S O R

M A S T E R C A R D D A I L Y

15:00

______________ 3

TRANSACTIONS

APPROVED

PROCESSOR COUNTRY: USA

PROCESSOR ID: 9000009999

PROCESSOR

TIME

MS1100BB

PAGE:

2

100.00

==========

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

__________

PERCENTAGE

UP TIME

0.00

==========

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

__________

PERCENTAGE

DOWN TIME

WORK OF 03/28/2006

PROCESS DATE 03/29/2006

Reports

Processor Availability Reports

Figure 3.81—MS1100-BB Daily Processor Up Time Report (2 of 2)—By Iss. Processor, Settle Date

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Processor Availability Reports

Daily Processor Up Time Report (Calendar Date)—MS1100DD Purpose:

The MDS generates this report on a daily basis for all issuing processors. The report displays a processor’s activity for a 24hour period, broken down by hour and calendar date.

Description:

This report provides summary availability data, by hour, for the 24-hour calendar date. The report displays the date that the MDS job processed (Process Date) and the date of the data/work that was processed (Work of). This is displayed in the MM/DD/YYYY format. The top section of the report describes: • • • • •

Who the processor is The Processor ID (processor number) The Processor Country The Processor Region The Business Entity that the processor is associated with

The next section identifies the: • • • • • • • •

Number of Approved Transactions Denied Transactions Comm Related Time-outs (network communication errors) Non-Comm Related Time-outs (RC 91, RC91(s) and RC96 errors) Total Transaction Stand-In Transactions Up Time Percentage Down Time Percentage

The last line is a total of all of the transactions for the 24 hour period displayed and the calculated percentages for the UP and Down times. Frequency:

Daily

Availability:

Available only through eService on MasterCard OnLine.

Refer to Table 3.37—Processor Availability Reports Fields for a description of the MS1100DD report fields.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-177

3-178

TOTAL

TIME _____ 00:00 01:00 02:00 03:00 04:00 05:00 06:00 07:00 08:00 09:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 21:00 22:00 23:00

M A S T E R C A R D D E B I T S W I T C H D A I L Y P R O C E S S O R U P T I M E R E P O R T BY ISSUING PROCESSOR

PROCESSOR : TEST BANK PROCESSOR ID: 9000009999 PROCESSOR COUNTRY: USA PROCESSOR REGION: 01 BUSINESS ENTITY: TEST BANK APPROVED DENIED COMM RELATED NONCOMM RELATED TOTAL STAND-IN TRANSACTIONS TRANSACTIONS TIME-OUTS TIME-OUTS TRANSACTIONS TRANSACTIONS ______________ ______________ ______________ _______________ ______________ ______________ 5 0 0 0 5 0 3 0 0 0 3 0 3 2 0 0 5 0 2 1 0 0 3 0 4 2 0 0 6 0 11 5 0 0 16 0 8 1 0 0 9 0 12 2 0 0 14 0 29 6 0 0 35 0 21 6 0 0 27 0 22 2 0 0 24 0 23 1 0 0 24 0 38 2 0 0 40 0 44 10 0 0 54 0 18 1 0 0 19 0 18 3 0 0 21 0 15 1 0 0 16 0 16 6 0 0 22 0 11 4 0 0 15 0 13 3 0 0 16 0 7 0 0 0 7 0 14 0 0 0 14 0 9 1 0 0 10 0 4 4 0 0 8 0 ============== ============== ============== =============== ============== ============== 350 63 0 0 413 0

MS1100DD

UP TIME PERCENTAGE __________ 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 ========== 100.00

DOWN TIME PERCENTAGE __________ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ========== 0.00

WORK OF 03/28/2006

PAGE: 1 PROCESS DATE 03/30/2006

Reports

Processor Availability Reports

Figure 3.82—MS1100DD Daily Processor Up Time Report—By Issuing Processor, Calendar Date

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Processor Availability Reports

Monthly Processor Up Time Report —MS1101AA Purpose:

The MDS generates this report on a monthly basis for all issuing processors. The report displays monthly totals by each processor, broken down by hour and calendar date for the complete month.

Description:

This report provides monthly summary availability data, by hour, for the 24-hour calendar date period. The report displays the date that the MDS job processed (Process Date) and the date of the data/work that was processed (Work of). This is displayed in the MM/YYYY format. The top section of the report describes: • • • • •

Who the processor is The Processor ID (processor number) The Processor Country The Processor Region The Business Entity that the processor is associated with

The next section identifies the: • • • • • • • •

Number of Approved Transactions Denied Transactions Comm Related Time-outs (network communication errors) Non-Comm Related Time-outs (RC 91, RC91(s) and RC96 errors) Total Transaction Stand-In Transactions Up Time Percentage Down Time Percentage.

The last line is a total of all of the transactions for the 24 hour period displayed and the calculated percentages for the UP and Down times. Frequency:

Monthly – run on the second day of the month.

Availability:

Available only through eService on MasterCard OnLine.

Refer to Table 3.37—Processor Availability Reports Fields for a description of the MS1101AA report fields.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-179

3-180 : TEST BANK

============== 13,389

106

153

240

306

465

519

644

852

999

1,026

1,016

1,054

928

799

753

669

674

575

489

364

300

192

158

==============

TOTAL

01:00

02:00

03:00

04:00

05:00

06:00

07:00

08:00

09:00

10:00

11:00

12:00

13:00

14:00

15:00

16:00

17:00

18:00

19:00

20:00

21:00

22:00

23:00

0.01

88

108

00:00

93

164

150

167

169

203

248

283

257

371

332

368

365

337

258

263

197

162

116

137

58

56

58

______________

______________

_____

TRANSACTIONS

DENIED

TRANSACTIONS

APPROVED

PROCESSOR COUNTRY: USA

PROCESSOR ID: 9000009999

PROCESSOR

4,900

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TIME-OUTS

COMM RELATED

0

===============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

3

0

0

0

0

_______________

TIME-OUTS

3

==============

246

285

464

514

656

744

877

917

1,036

1,056

1,299

1,386

1,384

1,391

1,336

1,110

907

716

627

425

377

211

162

166

18,292

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TRANSACTIONS

STAND-IN

TEST BANK

______________

TRANSACTIONS

TOTAL

BUSINESS ENTITY:

NONCOMM RELATED

PROCESSOR REGION: 01

R E P O R T

S W I T C H T I M E

BY ISSUING PROCESSOR

U P

D E B I T

P R O C E S S O R

M A S T E R C A R D M O N T H L Y

TIME

MS1101AA

PAGE:

1

UP TIME

0

==========

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

99.30

100.00

100.00

100.00

100.00

__________

PERCENTAGE

99.99

==========

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.70

0.00

0.00

0.00

0.00

__________

PERCENTAGE

DOWN TIME

WORK OF 02/2006

PROCESS DATE 03/01/2006

Reports

Processor Availability Reports

Figure 3.83—MS1101AA Monthly Processor Up Time Reports (1 of 1)

©2006 MasterCard October 2006 • MDS Settlement and Reports

Reports Processor Availability Reports

Month-to-Date Report—MS1101BB Purpose:

The MDS generates this report on a daily basis for all issuing processors. The report displays month-to-date totals, broken down by hour and calendar date from the first day of the month to current “Work Of” date.

Description:

This report provides month-to-date summary availability data, by hour, for the 24-hour calendar date period. The report displays the date that the MDS job processed (Process Date) and the date of the data/work that was processed (Work of). This is displayed in the MM/YYYY format. The top section of the report describes: • • • • •

Who the processor is The Processor ID (processor number) The Processor Country The Processor Region The Business Entity that the processor is associated with

The next section identifies the: • • • • • • • •

Number of Approved Transactions Denied Transactions Comm Related Time-outs (network communication errors) Non-Comm Releated Time-outs (RC 91, RC91(s) and RC96 errors) Total Transaction Stand-In Transactions Up Time Percentage Down Time Percentage.

The last line is a total of all of the transactions for the 24 hour period displayed and the calculated percentages for the UP and Down times. Frequency:

Daily

Availability:

Available only through eService on MasterCard OnLine.

Refer to Table 3.37—Processor Availability Reports Fields for a description of the MS1101BB report fields.

Note

The month-end version of this report is the MS1101AA.

©2006 MasterCard MDS Settlement and Reports • October 2006

3-181

3-182 : TEST BANK

============== 13,389

106 153 240 306 465 519 644 852 999 1,026 1,016 1,054 928 799 753 669 674 575 489 364 300 192 158

==============

TOTAL

01:00

02:00

03:00

04:00

05:00

06:00

07:00

08:00

09:00

10:00

11:00

12:00

13:00

14:00

15:00

16:00

17:00

18:00

19:00

20:00

21:00

22:00

23:00

0.01

88

108

00:00

93

164

150

167

169

203

248

283

257

371

332

368

365

337

258

263

197

162

116

137

58

56

58

______________

______________

_____

TRANSACTIONS

DENIED

TRANSACTIONS

APPROVED

PROCESSOR COUNTRY: USA

PROCESSOR ID: 9000009999

PROCESSOR

TIME

MS1101BB

4,900

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

TIME-OUTS

0

===============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

3

0

0

0

0

_______________

TIME-OUTS

3

==============

246

285

464

514

656

744

877

917

1,036

1,056

1,299

1,386

1,384

1,391

1,336

1,110

907

716

627

425

377

211

162

166

______________

TRANSACTIONS

TOTAL

==============

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

______________

18,292

PAGE:

1

PROCESS DATE 03/17/2006

0

==========

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

100.00

99.30

100.00

100.00

100.00

100.00

__________

PERCENTAGE

UP TIME

99.99

==========

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.70

0.00

0.00

0.00

0.00

__________

PERCENTAGE

DOWN TIME

WORK OF 03/01/2006 TO 03/17/2006

TRANSACTIONS

STAND-IN

TEST BANK

S W I T C H

BUSINESS ENTITY:

NONCOMM RELATED

PROCESSOR REGION: 01 COMM RELATED

D A T E

D E B I T T O

BY ISSUING PROCESSOR

M O N T H

M A S T E R C A R D

Reports

Processor Availability Reports

Figure 3.84—MS1101BB Month-To-Date Report (1 of 1)—By Issuing Processor

©2006 MasterCard October 2006 • MDS Settlement and Reports