JR/T 0055.1-2009Technical specifications on bankcard interoperability - Part 1: Transaction processing (English PDF)

3.1 General processing flow of online transaction

Depending on whether the success of the transaction relies on the approval of

the transaction acceptor, the online transaction can be divided into the request

type and the advice type.

3.1.1 Request transaction

3.1.1.1 Basic requirements for request transaction

The request transaction is sent from the requester of the transaction (such as

the acquirer) to the receiver (such as the issuer), informing the other party of

the transaction being in progress, and asking the other party to send a response

after the transaction is completed. After receiving the transaction request, the

receiver shall directly respond with the transaction approval or rejection. If the

receiver of the transaction is not the final receiving institution of the transaction,

the receiver is responsible for forwarding the transaction to the next receiving

institution.

It is not allowed for the request transaction to be automatic repeated sent.

The general process of request transactions is divided into two categories.

transferred through the switching center, directly processed and finished by the

switching center.

3.1.1.2 Request transaction through exchange center transfer

Note. Either the sender or the receiver is the switching center.

Figure 4 -- General processing flow of advice transaction directly

processed and finished by switching center

3.1.2.4 Storage and forward mechanism of advice transaction message

The following two situations may exist in online transaction process.

- The sender cannot send the message to the receiver.

- The sender cannot receive the response from the receiver after sending

the message.

When one of the above two conditions occurs, the sender may place the

message in the store-and-forward queue, repeat the sending at regular

intervals for a certain number of times before the sender system starts cutoff. If

the response is still not received, the sending is stopped. If there is an uneven

account between the sender and the receiver, it is solved through error disposal.

This disposal method is called store-and-forward mechanism.

The store-and-forward mechanism is only used when sending some advice

message.

3.2 General processing flow of offline transactions

This standard does not yet define a specific offline transaction, so its general

processing flow is temporarily undefined.

3.3 General processing flow of manual transactions

The processing flow of manual transactions depends on the specific

implementation of the system. All parties involved in the transaction can agree

on the manual transaction processing flow. However, it shall not exceed or

violate the relevant provisions of this standard on the manual transaction.

4.1.5 Pre-authorization

It refers to the process of requesting payment commitment by the card acceptor

from the issuer on the expected payment amount of the cardholder through

such channels as POS terminal. This transaction only controls the amount

available to the cardholder, it does not imply payment or billing from the

cardholder's account at the approved transaction amount. An approved pre-

authorization transaction is valid only for a limited period of time.

The transaction is completed by a pre-authorized transaction to complete the

settlement of funds.

The transaction the request transaction subject to the exchange center transfer,

the transaction process is as shown in Figure 1.

The transaction does not participate in the settlement.

The transaction can trigger a reversal advice.

4.1.6 Pre-authorization revocation

It refers to the process of card acceptor requesting the issuer to cancel the

payment process within the valid period of pre-authorization transaction for the

successfully finished pre-authorization transaction online due to a variety of

reasons.

The transaction the request transaction subject to the exchange center transfer,

the transaction process is as shown in Figure 1.

The transaction does not participate in the settlement.

The transaction can trigger a reversal advice.

4.1.7 Pre-authorization completion (request)

It refers to the process of the card acceptor to finish the cardholder payment

through such channels as POS terminals within the range of the pre-

authorization amount or within the range that the pre-authorization amount is

exceeded by a certain proportion for the approved pre-authorization transaction.

reversal advice to the next receiving institution (the institution to which the

original transaction is sent).

Depending on the actual conditions, the transaction may be either an advice

transaction transferred by a switching center (transaction process is as shown

in Figure 3) or an advice transaction completed directly by the switching center

(transaction process is as shown in Figure 4).

The transaction is to participate in settlement.

When the sender of the reversal advice cannot receive response, it shall

perform store-and-forward. The reversal shall be with the same date of

settlement as the original transaction.

4.1.11 Sales return (online)

It refers to the process of the card acceptor to return all or part of the deducted

amount back to the original deduction account of the cardholder due to goods

return or service cancellation.

The transaction is advice transaction transferred by the switching center, the

transaction process is as shown in Figure 3.

The transaction is to participate in settlement.

The transaction does not trigger reversal advice, it can be stored and forwarded.

4.1.12 Transfer

It refers to the process of inter-bankcard amount transfer by the cardholder

through such channels as ATM.

The transaction is a request transaction transferred by the switching center, but

because of the more involved roles in the transaction, the general processing

flow of the transfer transaction is as shown in Figure 53.

3 For the transfer transaction in this standard, the acquirer may be either the transfer-in or the

transfer-out; meanwhile, the transfer-in and the transfer-out can also be the same party.

The transfer transaction is settled as a successful transaction. If there

are still unbalanced funds, it is settled by error processing.

4.1.15 Manual pre-authorization revocation

Revocation of pre-authorization transactions is done manually rather than

online.

The transaction does not participate in the settlement.

4.1.16 Manual pre-authorization completion

Settlement of pre-authorization transactions is done manually rather than online.

The transaction is to participate in the settlement, reflected in the ordinary

transaction details file.

4.1.17 Manual return

Return is done manually rather than online.

This transaction is to participate in settlement, reflected in the error transaction

details file.

4.2 Error processing transactions

This standard only supports manual type error transactions. The specific

process is agreed upon by the parties involved in the transaction.

4.2.1 Order transfer

The issuer accesses to the original certificate photocopy through the switching

center to the acquirer, deciding whether to make refunding or other processing.

4.2.2 Order transfer reply

The acquirer feedbacks the original certificate photocopy of the relevant

transactions through the switching center to the issuer.

4.2.3 Inquiry confirmation

One party of the transaction inquires the relevant information of the transaction

through the switching center to the other party.

4.2.4 Credit adjustment

One party of the transaction actively proposes refunding for t...

......