ESP-LINK™/FTS REFERENCE MANUAL

ISO-8583/FTS DATA DICTIONARY

Bevertec CST Inc.

Software Version 5.0.15
Document Version 1.10
April 2006
ESP-Link™/FTS Reference Manual ISO8583 Data Dictionary - Forward

PROPRIETARY NOTICE

All pages of this document contain information proprietary to Bevertec CST Inc. This
document shall not be duplicated, transmitted, used, or otherwise disclosed to anyone
other than the organization or specific individuals to which this document is delivered,
and then only for the purpose of the management of ESP-Link. This restriction is
applicable to all sheets of this document. Bevertec CST Inc. reserves the right to have
the recipient return all copies of this document at any time.

ESP-Link/FTS Reference Manual

Copyright © 2006 Bevertec CST Inc. All Rights Reserved.

Principal Office: 5935 Airport Road, Suite #400, Mississauga, Ontario, L4V 1W, Canada
Phone: +1 (416) 695-7525, Fax: +1 (416) 695-7526

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DOCUMENT REVISION RECORD

Software Document Previous Revision Summary of Change Section/ Page

Release Version Document Date # Changed
Date
5.0.12 1.00 None June 2005 Create Document All
5.0.15 1.10 June 2005 April 2006 Update company address, Cover page,
software revision level and Proprietary
copyright note. Note and all
page footers.

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ESP-Link™/FTS Reference Manual ISO8583 Data Dictionary

TABLE OF CONTENTS
1 MESSAGE DATA ELEMENTS ................................................................
.......................................................................
....................................... 1-1
1.1 Message Type Identifier .............................................................................2-2

1.2 Bit Map (Primary and Secondary) ................................................................2-3

1.3 Bit 02 – Primary Account Number ..............................................................2-4

1.4 Bit 03 – Processing Code ...........................................................................2-4

1.5 Bit 04 – Amount, Transaction.....................................................................2-8

1.6 Bit 07 – Transmission Date and Time .........................................................2-8

1.7 Bit 11 – Systems Trace Audit Number ........................................................2-8

1.8 Bit 12 – Time, Local Transaction ................................................................2-9

1.9 Bit 13 – Date, Local Transaction.................................................................2-9

1.10 Bit 14 – Date, Expiration ............................................................................2-9

1.11 Bit 15 – Date, Settlement ...........................................................................2-10

1.12 Bit 17 – Date, Capture................................................................................2-10

1.13 Bit 18 – Merchant’s Type............................................................................2-11

1.14 Bit 22 – Point-of-Service Entry Mode .........................................................2-12

1.15 Bit 25 - Point-of-Service Condition Code...................................................2-13

1.16 Bit 32 – Acquirer Institution Identification Code .........................................2-13

1.17 Bit 33 – Forwarding Institution Identification Code.....................................2-13

1.18 Bit 35 - Track 2 Data .................................................................................2-14

1.19 Bit 36 – Track 3 Data .................................................................................2-15

1.20 Bit 37 – Retrieval Reference Number ..........................................................2-16

1.21 Bit 38 - Authorization Identification Response...........................................2-16

1.22 Bit 39 - Response Code .............................................................................2-17

1.23 Bit 41 – Card Acceptor Terminal Identification ...........................................2-19

1.24 Bit 42 – Card Acceptor Identification Code .................................................2-19

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1.25 Bit 43 – Card Acceptor Location .................................................................2-20

1.26 Bit 44 – Additional Response Data .............................................................2-20

1.27 Bit 48 – Additional Data - Private ...............................................................2-21

1.28 Bit 49 – Currency Code, Transaction ..........................................................2-21

1.29 Bit 50 – Currency Code, Settlement............................................................2-22

1.30 Bit 52 – PIN Data........................................................................................2-22

1.31 Bit 53 – Security Related Control Information .............................................2-23

1.32 Bit 54 – Additional Amounts ......................................................................2-24

1.33 Bit 64 – Message Authentication Code Field (MAC).....................................2-25

1.34 Bit 70 – Network Management Information Code .......................................2-26

1.35 Bit 74 – Credits, Number............................................................................2-27

1.36 Bit 75 – Credits, Reversal Number ..............................................................2-27

1.37 Bit 76 – Debits, Number.............................................................................2-28

1.38 Bit 77 – Debits, Reversal Number ...............................................................2-28

1.39 Bit 78 – Transfers, Number ........................................................................2-29

1.40 Bit 79 – Transfer, Reversal Number ............................................................2-29

1.41 Bit 80 – Inquiries, Number .........................................................................2-30

1.42 Bit 81 – Authorization, Number..................................................................2-30

1.43 Bit 83 – Credits, Transaction Fee Amount...................................................2-30

1.44 Bit 85 – Debits, Transaction Fee Amount....................................................2-31

1.45 Bit 86 – Credits, Amount............................................................................2-31

1.46 Bit 87 – Credits, Reversal Amount ..............................................................2-31

1.47 Bit 88 – Debits, Amount.............................................................................2-32

1.48 Bit 89 – Debits, Reversal Amount ...............................................................2-32

1.49 Bit 90 – Original Data Elements..................................................................2-32

1.50 Bit 91 – File Update Code...........................................................................2-33

1.51 Bit 94 – Service Indicator............................................................................2-33

1.52 Bit 95 – Replacement Amounts ..................................................................2-34

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1.53 Bit 97 – Net Settlement Amount .................................................................2-34

1.54 Bit 99 – Settlement Institution Identification Code......................................2-35

1.55 Bit 100 – Receiving Institution Identification Code .....................................2-35

1.56 Bit 101 – File Name....................................................................................2-35

1.57 Bit 102 – Account Identification 1 ..............................................................2-36

1.58 Bit 103 – Account Identification 2 ..............................................................2-36

1.59 Bit 121 – Customer Information Response .................................................2-37

1.60 Bit 123 - New PIN Data ..............................................................................2-37

1.61 Bit 128 – Message Authentication Code Field (MAC)...................................2-38

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ESP-Link™/FTS Reference Manuel ISO-8583 Data Dictionary

1 INTRODUCTION
ESP-Link/FTS is based upon the ISO8583 standard definition for Card
Originated Transaction Messages. This manual is intended to define the exact
meaning of the ISO8583 fields as used by ESP-Link/FTS.

ESP-Link/FTS uses the ISO fields on on-line messages as well as internally,

during message processing and also for storage purposes. When you review
a transaction record from the transaction log file you will find the data stored
under a name that very close resembles the field names in this data
dictionary.

Note: Like many other ISO8583 based transaction switching products and
services (like Visa and MasterCard), ESP-Link/FTS has made
enhancements to the basic ISO8583 definitions. You should keep
this manual handy whenever you need to review a transaction in
the transaction log file or when analyzing messages.

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ESP-Link™/FTS Reference Manuel ISO-8583 Data Dictionary

2 DATA ELEMENTS

2.1 Message Type Identifier

Bit Map Position: -

Format: Fixed Length
Attribute: N4
Description: The first message component is an identifier of the type of message
being interchanged.
The Message Type Identifier is set by the message originator using the
following rules:
1. Every message shall start with a Message Type Identifier
data element.
2. Only the consecutive message types identified in the
transaction message flows of this manual will constitute a
transaction.
3. Repeat Message Type Identifiers must be suppressed by
the card acceptor or acquirer processor.

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2.2 Bit Map (Primary and Secondary)

Bit Map Position: Primary none, Secondary 1-

Format: -
Attribute: B 16
Description: The Bit Map is managed by ESP-Link™/FTS not as 64 bits, but as 16
display characters. Every consecutive 4 bit series is converted to its
hexadecimal display character value. This technique is used to support
non-transparent communication protocols.
Conditional: Must be present if any bit from 65 to 128 is present.

4-Bit Series Display 4-Bit Series Display

Character Character
0000 0 1000 8
0001 1 1001 9
0010 2 1010 A
0011 3 1011 B
0100 4 1100 C
0101 5 1101 D
0110 6 1110 E
0111 7 1111 F

A series of 64 bits used to identify the presence or absence of each

data element. If the first bit in the primary bit map is set, then that
indicates the existence of a secondary bit map. If it is not set, then
there is no secondary bit map present.
The Bit Map is set by the message originator using the following
rules:
1. Mandatory data elements must be present in the message text with their
corresponding Bit Map position set to “1”.
2. Conditional data elements, when present in the message text, must have their
corresponding Bit Map position set to “1”.

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2.3 Bit 02 – Primary Account Number

Bit Map Position: 02
Format: Variable Length
Attribute: N ..19
Description: Primary Account Number uniquely identifies the cardholder.

2.4 Bit 03 – Processing Code

Bit Map Position: 03
Format: Fixed Length with Sub-Elements
Attribute: N6
Description: A series of codes used to describe the effect of a transaction on the
customer’s related account (s) involved in the transaction.
The Processing code is composed of the following three sub-elements:

Position Description
1-2 Transaction “Action Code”.
3-4 The “From Account” type code for debit, inquiry,
payment and transfer transactions.
5-6 The “To Account” type code for credit, payment
and transfer transactions.

Note: The appropriate Point-of-Service Condition Code must be set for the
following transaction sets.
See Bit 25 for details.

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ESP-Link ATM Transaction Set

Transactions From Hosts to ESP-Link Message Transaction From To Account
Type Code Account
Balance Inquiry 200 31 ff 00
Available Funds Inquiry Ζ 200 30 ff 00
All Account Balance Inquiry Ζ 200 93 00 00
Last Ten Transactions Inquiry Ζ 200 39 ff 00
Cash Withdrawal 200 01 ff 00
Fast Cash Withdrawal 200 01 ff 00
Deposit 200 21 00 tt
Transfer 200 40 ff tt
Inter Institution Transfer 200 48 ff tt
Bill Payment From Account 200 17 ff 00
Bill Payment By Cash Deposit 200 28 00 00
Bill Payment By Cheque Deposit 200 29 00 00
Deposit Message To Bank 200 92 00 08
Order Statement 200 92 ff 01
Order Cheque Book 200 92 ff 02
PIN Change Ζ 200 91 00 00

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ESP-Link Proprietary Network POS Transaction Set

Transactions From Hosts to ESP-Link Message Transaction From To Account
Type Code Account
Pre-authorization 100 00 ff 00
Pre-authorization Cancellation 100 20 00 Tt
Purchase 200 00 ff 00
Purchase with Pre-authorization 200 00 ff 00
Purchase Cancellation 400 00 ff 00
Purchase with Cash Back 200 09 ff 00
Purchase with Cash Back Cancellation 400 09 ff 00
Purchase Refund 200 20 00 Tt
Purchase Refund Cancellation 400 20 00 Tt
Withdrawal 200 01 ff 00
Withdrawal Cancellation 400 01 ff 00
Bill Payment 200 17 ff 00
Bill Payment Cancellation 400 17 ff 00
Inquiry 200 31 ff 00
Cheque Guarantee 100 03 ff 00
Cheque Guarantee Cancellation 100 23 00 tt
Credit Card Payment By Cash 200 21 00 30
Credit Card Payment By Cash 400 21 00 30
Cancellation
Credit Card Payment By Cheque 200 24 00 30
Credit Card Payment By Cheque 400 24 00 30
Cancellation
Credit Card Payment From Account 200 40 ff tt

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ESP-Link Proprietary Network Attended Banking Terminal Transaction Set

Transactions From Hosts to ESP-Link Message Transaction From To Account
Type Code Account
Balance Inquiry 200 31 ff 00
Available Funds Inquiry Ζ 200 30 ff 00
All Account Balance Inquiry Ζ 200 93 00 00
Last Ten Transactions Inquiry Ζ 200 39 ff 00
Cash Withdrawal 200 01 ff 00
Cash Withdrawal Cancellation 400 01 ff 00
Cash Deposit 200 21 00 tt
Cash Deposit Cancellation 400 21 00 tt
Transfer 200 40 ff tt
Inter Institution Transfer 200 48 ff tt

Legend For Abbreviations Used

ff From Account
Position 3&4
tt
To Account
Position 5&6
Ζ
Transaction is host dependent

The following is a list of codes used for the “to” and “from “ account types
used in positions 3 - 4 and 5 - 6 of the processing code.

Description Code
Default 00
Savings 10
Chequing 20
Credit Card 30
Universal 40
Term 50
Loan 60

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2.5 Bit 04 – Amount, Transaction

Bit Map Position: 04
Format: Fixed Length
Attribute: N 12
Description: Transaction funds requested by the customer in the local currency of
the card acceptor at point-of-service terminal location, exclusive of any
processing and transaction fees to be applied to a customer’s related
account.
The amount is expressed in the currency associated with the “Currency
Code, Transaction”. When a minor unit of currency applies, the amount
will be expressed in the minor unit with an implied decimal separator.
Example: Amount value of “000000000100” in U. S. currency is one U.
S. dollar ($1.00), but signifies 100 lire in Italian currency.
The ESP-Link™ Switch processes all amount fields using the number
of implied decimal places specified by the ISO currency code.

2.6 Bit 07 – Transmission Date and Time

Bit Map Position: 07
Format: MMDDhhmmss
Attribute: N 10
Description: Date and time expressed in Coordinated Universal Time (UTC). It must
be returned unchanged in all reply messages

2.7 Bit 11 – Systems Trace Audit Number

Bit Map Position: 11
Format: Fixed Length
Attribute: N6
Description: A number assigned by the message initiator to identify uniquely a
transaction. The System Audit Trace Number remains unchanged for
all messages throughout the life of the transaction.
Assignment methods for the Systems Trace Audit Number are entirely
up to the transaction originating processor.
The System Trace Audit Number is used by the ESP-Link™ Switch to
match a response to its request message. It must be the same for all
messages (Authorization, financial, advice and reversal) related to a
financial transaction.

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2.8 Bit 12 – Time, Local Transaction

Bit Map Position: 12
Format: hhmmss
Attribute: N6
Description: The local time at which the transaction takes place at the point-of-
service terminal location.
The time identifies when the customer performs a Financial (or
Authorization) transaction. Its value does not change if there is a delay
in sending the transaction to the authorizing institution processor such
as in a ESP-Link™ Switch store-and-forward Financial Advice
transaction.

2.9 Bit 13 – Date, Local Transaction

Bit Map Position: 13
Format: MMDD
Attribute: N4
Description: The local month and day the transaction takes place at the point-of-
service terminal location.
The Local Transaction Date identifies when the customer performed a
financial (or authorization) transaction. Its value does not change if
there is a delay in sending the transaction to the authorizing institution
processor such as in a ESP-Link™ Switch store-and-forward financial
advice transaction.

2.10 Bit 14 – Date, Expiration

Bit Map Position: 14
Format: YYMM
Attribute: N4
Description: The year and month after which the card expires.
The card Expiration Date is normally available to the authorizing
institution processor from the Track 1 or Track 2 data supplied by the
card acceptor. If Track 1 or Track 2 data is not available to the card
acceptor at the point-of-service terminal, then the card Expiration Date
may be manually entered by the acquirer at an administrative terminal
from a “purchase draft”.
Conditional: Must be included if Track 1 and Track 2 data is NOT included.

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2.11 Bit 15 – Date, Settlement

Bit Map Position: 15
Format: MMDD
Attribute: N4
Description: The month and day funds are being accumulated for settlement
transfer between the ESP-Link™ Switch and a processor.
The Settlement Date identifies the business day period Financial
transactions are being accumulated for the purpose of settlement funds
transfer.
The Settlement Date is also used by the ESP-Link™ Switch for the
accumulation of processing and transaction fees for acquirer and
authorizing institution processors during the settlement date period.

2.12 Bit 17 – Date, Capture

Bit Map Position: 17
Format: MMDD
Attribute: N4
Description: The point-of-service terminal’s business month and day the transaction
was processed by the card acceptor. The date is normally used to
reflect a point-of-service terminal’s or store’s balancing period.
Example:
An ATM is balanced at 11: 00 p.m. local time on 02/02/91. All
transaction activity from the prior day’s balancing at 11: 00 p.m. on
02/01/91 would have a Capture Date of 02/02/91. All activity after 11:00
p.m. would have the capture date of 02/03/91 until the next balancing
of the ATM.
If the ESP-Link™ Switch is performing “stand-in acquirer processor”
services, the Capture Date is used internally to the ESP-Link™ Switch
to produce terminal balancing activity reports. The terminal activity
reports are only supplied to the acquiring institutions and are not
included in EFT interchange network settlement reports supplied to
authorizing institutions.

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2.13 Bit 18 – Merchant’s Type

Bit Map Position: 18
Format: Fixed Length
Attribute: N4
Description: The classification of the merchant’s type of business product or service.
The merchant classification is used on Financial (and Authorization)
transactions to specifically identify the point-of-service business type
for the following purposes:
a) Determine the period of time funds will be guaranteed for a
pre-authorized “Purchase” Financial transaction.
b) Control legal limitations.
c) Control network operating rules for transaction
authorization processing.
d) Fraud detection.
e) Information gathering for reporting on merchant categories
originating transactions.
f) Transaction fee considerations.
According to the ISO 8583 standard, national codes shall be used for
this data element.
The Merchant’s Type Code used for ATMs is a value of “6011”.

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2.14 Bit 22 – Point-of-Service Entry Mode

Bit Map Position: 22
Format: Fixed Length with Sub-elements
Attribute: N3
Description: An identification of the method by which the PAN was entered at the
point-of-service terminal and the Personal Identification Number (PIN)
entry capabilities of the point-of-service terminal.
The Point-of-Service Entry Mode contains the following two sub-
element identification codes:

Conditional: Must be included for all transactions originated at a point-of-service

device.
Position Description
1-2 Code identifying the entry method of the PAN
and card Expiration Date at the point-of-service
terminal.
3-3 PIN entry capabilities of the point-of-service
terminal.
The following sub-element codes may be used in any combination to
identify the entry mode conditions at the point-of-service terminal.

PAN Entry Code Description

00 Unknown
01 Manual
02 Magnetic Stripe read
03 BAR code read
04 OCR code read
05 Integrated circuit card

Point-of-Service Entry Mode:

PIN Entry Code Description
0 Unknown
1 Terminal can accept entry of PINs
2 Terminal cannot accept entry of PINs

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2.15 Bit 25 - Point-of-Service Condition Code

Bit Map Position: 25
Format: N2
Attribute: An identification of the condition under which the transaction takes
place at the point of service.
Description:
Usage Notes: The following is a list of the POS condition codes used be ESP-Link™:

2 Automated Teller Machine

10 Banking Terminal
14 Point of Service Terminal

2.16 Bit 32 – Acquirer Institution Identification

Code
Bit Map Position: 32
Format: Variable Length Data
Attribute: N ..11
Description: For financial messages this field contains the institution number of the
institution that owns the device that physically acquired the transaction.
For reconciliation messages, types 502/522 this field contains the
institution number of the originating institution of the request. The
response must contain this same institution number as the request.

2.17 Bit 33 – Forwarding Institution Identification

Code
Bit Map Position: 33
Format: Variable Length Data
Attribute: N ..11
Description: For all financial messages this field contains the institution number of
the institution that issued the physical card.
For network messages, types 800/820/ this field contains the institution
number of the originating institution of the request. The response must
contain this same institution number as the request.

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2.18 Bit 35 - Track 2 Data

Bit Map Position: 35
Format: Variable Length Data
Attribute: Z ..37
Description: The information encoded on Track 2 of the card magnetic strip as
defined in ISO 7811-1985, including the field separator but excluding
the start end sentinels, and LRC as defined therein.
The data element contains whatever is encoded on Track 2 whenever
read at the point-of-service terminal as the PAN service. The Track 2
data read must be supplied by the card acceptor whether or not the
Track 2 information conforms to the ISO standard.
The card acceptor may not perform any processing or editing of the
Track 2 data. This includes such edits as the PAN Check Digit, card
Expiration Date and Service Restriction Code. Although, the card
acceptor or acquirer processor is required to set the Track 2 field
separator character to “=“ for interchange conformity.
The data element is composed of two sub-elements:
Conditional: Must be included if Track 2 data is available.

Position Description
LL The two position length of the Track 2 data read
up to the maximum length of 37 characters.
1 to 37 The Track 2 data read at the point-of-service
terminal.

The following is an example of the Track 2 Data contents:

295005751234567891=991210100000

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2.19 Bit 36 – Track 3 Data

Bit Map Position: 36
Format: Variable Length Data
Attribute: Z ...104
Description: The information encoded on Track 3 of the card magnetic strip as
defined in ISO 4909, including the field separator but excluding the
start end sentinels, and LRC as defined therein.
The data element is composed of two sub-elements:
Conditional: Must be included if Track 3 data is available.

Position Description
LL The two position length of the Track 3 data read
up to the maximum length of 104 characters.
1 to 104 The Track 3 data read at the point-of-service
terminal.

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2.20 Bit 37 – Retrieval Reference Number

Bit Map Position: 37
Format: Fixed Length
Attribute: AN 12
Description: A transaction reference number to specifically identify a Financial,
Authorization or Reversal transaction for all time.
The Retrieval Reference Number is not required to be printed on a
customer statement. Its primary function is identifying transactions for
item tracing and research between an acquiring institution and an
authorizing institution. The authorizing institution may optionally print its
own Retrieval Reference Number equivalent on the customer’s
statement.
The Retrieval Reverence Number must be the same for all messages
(Authorisation, financial, advice and reversal) related to a financial
transaction.
The method of Retrieval Reference Number assignment is optional by
acquiring institution unless it is required by the networks in which the
acquirer is participating. In that case, the networks usually specify a
particular format.

2.21 Bit 38 - Authorization Identification Response

Bit Map Position: 38
Format: Fixed Length
Attribute: AN 6
Description: Response identification assigned by the transaction authorizing
institution (normally authorizing institution).
The Authorization Identification Response is used for credit card
authorizations at the point-of-service terminal.
The authorizing institution’s use of this data element is conditionally
controlled by a network’s operating rules. In general, if an EFT
interchange network is supporting credit card authorizations, then the
Authorization Identification Response is returned by the authorizing
institution.
It should not be all zeros

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2.22 Bit 39 - Response Code

Bit Map Position: 39
Format: Fixed Length
Attribute: AN 2
Description: A code associated with a specific transaction which defines the
disposition of the transaction.
The Response Code is used to convey the authorizing institution
authorization status for Financial (and Authorization) transactions. It is
also used to indicate the reversal reason for Reversal transactions. In
addition, it is used to indicate receipt of request and advice messages
by the destination processor for the File Update, Reconciliation,
Administrative and Network Management transactions.
ESP-Link™ response codes are modeled after ISO 8583 standard
response codes. The following is a complete listing of response codes
and reversal reasons.

RESPONSE CODES
Code Definition
0 Normal no error
1 Refer to Card Issuer
3 Invalid Merchant
5 Do Not Honour
8 Honour with I.D. Only
12 Invalid Message
13 Invalid Dollar Amount
14 Invalid Card Number
21 No Action Taken
24 No File Update Allowed
25 Record Not Found in File
26 Duplicate Record on File
28 Record or File Locked
29 File Update Denied
30 Format Error
31 Invalid Acquirer Institution
33 Card Expired
38 Capture Card - PIN Retries Exceeded
39 No Credit Account
40 Invalid Function
41 Lost Card
43 Card is Hot/Stolen
51 Insufficient Funds

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RESPONSE CODES
54 Card Expired - Do not pickup
55 Invalid PIN - Retry
56 Card Holder not on File
57 Transaction not allowed for Card
61 Exceeds Withdrawal Limit
62 Restricted Card
63 Invalid MAC
64 Invalid Original Amount
65 Number of Withdrawals Exceeded
67 Force Capture of Card
75 PIN Retries exceeded
76 Invalid Interchange Amount
77 Invalid Business Date
78 Deactivated Card
79 Invalid Account
80 Transaction Denied
81 Cancelled Card
82 No acknowledgement from ATM
83 Host Refuse
84 Issuer Down
85 Invalid Originator or Processor
86 Not Allowed on Device
87 PIN Key Sync Error
88 MAC Key Sync Error
89 External Switch Decline
90 Cutoff in Progress
91 Message Timed Out
92 Issuer Not Found
94 Possible Duplicated Transaction
96 Internal Switch Error
97 Key Exchange in Progress
98 Switch Considers Originator Down
99 Invalid Authorization Number
N0 Unmatched Transaction
N1 Valid Unmatched Transaction
Q2 Expiry Date does not Match with Database
SK Invalid Card Verification Value (CVV)

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REVERSAL REASONS
10 Partial Dispense
17 Customer Cancellation
20 Invalid Response from ATM
22 Hardware Error at ATM

2.23 Bit 41 – Card Acceptor Terminal Identification

Bit Map Position: 41
Format: Fixed Length
Attribute: ANS 8
Description: Unique code identifying the point-of-service terminal at the card
acceptor location in both the local and EFT interchange communication
network.

2.24 Bit 42 – Card Acceptor Identification Code

Bit Map Position: 42
Format: Fixed Length
Attribute: ANS 15
Description: A code identifying the card acceptor supporting the point-of-service
terminal (merchant ) in both the local and EFT interchange
communications network.

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2.25 Bit 43 – Card Acceptor Location

Bit Map Position: 43
Format: Fixed Length with Sub-elements
Attribute: ANS 40
Description: The location, city, region, and country of the card acceptor which
defines the point of service terminal geographic location in both the
local and EFT interchange communications network.

Position Length Description

01 – 22 22 Name/Location of ATM/POS
23 1 Delimiter (Spaces)
24 – 36 13 City
37 – 38 2 Delimeter (Spaces)
39 – 40 2 State or Country (if not in US) code

2.26 Bit 44 – Additional Response Data

Bit Map Position: 44
Format: Variable Length Data – LLVAR
Attribute: ANS ..25
Description: Other information provided by an authorizing institution in a Financial
(or Authorization) transaction response.
The Additional Response Data is used by the authorizing institution to
return additional information about the requested transaction. The
additional response information is set by the authorizing institution
processor and returned to the terminal for display or printing on the
customer’s receipt.
Conditional: Included by the authorizing institution if extra data is required to be
returned to the terminal for display or printing on the customer’s
receipt.

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2.27 Bit 48 – Additional Data - Private

Bit Map Position: 48
Format: Variable Length Data – LLLVAR
Attribute: ..999
Description: Reserved for private data unique to meet an EFT interchange
communications network’s operating rules requirement.

Issuer file update messages (302/312)

Length 3N
Fixed length 1A “Y”
Data 1N Not used
compression
Sequence no 4N Not used
More data 1N 0: First and only packet
1: more to follow
2: last
Bitmap 32 b
Data 957 ANS

Network management message (800/810) (Key Exchange)

Key index 1N 1 or 2
Key type 1N 1 :PIN key
3: MAC key
New key 16 B
Key check digits 4 B

Conditional: Required on 302 messages.

Required on 800/810 messages which are performing key exchanges

2.28 Bit 49 – Currency Code, Transaction

Bit Map Position: 49
Format: Fixed Length
Attribute: AN 3
Description: Code identifying the currency expressed in “Amount, Transaction” as
defined in ISO 4217. The Transaction Currency Code identifies the
currency used by the card acceptor for transactions at the point-of-
service terminal.

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2.29 Bit 50 – Currency Code, Settlement

Bit Map Position: 50
Format: Fixed Length
Attribute: AN 3
Description: Code identifying the currency expressed in "Amount, Settlement",
"Amount, Settlement Processing Fee" and "Amount, Settlement
Transaction Fee" as defined in ISO 4217.
The Settlement Currency Code identifies the currency used by the
ESP-Link Switch for settlement processing and reconciliation totals
when it differs from the "Amount, Transaction" currency.

2.30 Bit 52 – PIN Data

Bit Map Position: 52
Format: Fixed Length
Attribute: B 16
Description: A number assigned to a customer intended to uniquely identify that
customer at the point-of-service terminal. The use of the Personal
Identification Number is subject to bilateral agreement.
The Personal Identification Number (PIN) is encrypted under a zone
key in an ANSI PIN block format. All ANSI X9.8 guidelines for PIN
encryption and key management are used by the ESP-Link™.
The result of the ANSI PIN block construction method is 64 bits. The
PIN Date is managed by the ESP-Link™ not as 64 bits, but as 16
display characters. Every consecutive 4 bit series is converted to its
hexadecimal display character value. This presentation is used to
support non transparent communication protocols.
The following table lists the display character value for the given 4 bit
string:
Conditional: Required if a PIN is entered at a point-of-service terminal.

4-Bit Series Display 4-Bit Series Display

Character Character
0000 0 1000 8
0001 1 1001 9
0010 2 1010 A
0011 3 1011 B
0100 4 1100 C
0101 5 1101 D
0110 6 1110 E

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0111 7 1111 F

2.31 Bit 53 – Security Related Control Information

Bit Map Position: 53
Format: Fixed Length
Attribute: AN 16
Description: :This field provides additional information about the PIN block, PIN key
used to encrypt the PIN block, and MAC key used to generate the MAC
value for the message.
The field has the following sub elements.
Format code 2N 20
PIN encryption algorithm. 2N 01: DES
PIN block format 2N 01: ANSI
PIN key index 1N 1 or 2
MAC key index 1N 1 or 2
MAC key check digits 4B
Filler 4N 0000

Conditional: Required if PIN block or MAC field is present in the message

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2.32 Bit 54 – Additional Amounts

Bit Map Position: 54
Format: Variable Length Data
Attribute: ANS ..120
Description: This field is used by the authorizing institution processor to return
balances to the terminal to be printed on customer’s receipts.
This field can contain up to six balances, each of which contains the
following sub-elements:

Position Description
0-1 Account type defined in positions 3-4 or 5-6 of the
processing code
2-3 Amount type: 01 - ledger balance
02 - available balance
03 - amount owing
04 - amount due
40 - available withdrawal limit
56 - available transfer limit
4-6 currency code of amount
7 ‘D’ - for debit amount of ‘C’ for credit amount
8-19 Amount

Conditional: Availability of balance data at the authorizing institution.

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2.33 Bit 64 – Message Authentication Code Field

(MAC)
Bit Map Position: 64
Format: Fixed Length
Attribute: B 16
Description: Used to validate the source and the text of the message between
sender and receiver.
The last bit position within any bit map shall be reserved for the MAC
field. If authentication is to be performed on the message, the MAC
field will represented by the final bit in the final bit map of that message.

MACing is done on key fields in the message body. The fields to be

used in MACing must be agreed upon by the sending and receiving
processors.
The following fields are used when generating the MAC value, if they
are available.

Bit Map Field Name

2 Primary Account Number
3 Processing Code
4 Amount, Transaction
11 System Trace Audit Number
12 Time, Local Transaction
13 Date, Local Transaction
32 Acquiring Institution Identification Code
38 Authorization Identification Response
39 Response Code
41 Card Acceptor Terminal Identification
49 Currency Code, Transaction
95 Replacement Amounts

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2.34 Bit 70 – Network Management Information

Code
Bit Map Position: 70
Format: Fixed Length
Attribute: N3
Description: Used to identify and maintain the EFT interchange communications
network operational status.
The Network Management Information Code is used to manage the
reconciliation settlement date cutoff and communication sign-on/sign-
off status control between the ESP-Link™ Switch, and acquirer and
authorizing institution processors.
The following Network Management Information Code values are
supported by the ESP-Link™ Switch:

Network Management Information Code Values

NMIC Action
001 Sign-on
002 Sign-off
101 Key exchange
201 Initiate settlement date cutoff
202 Cut-off complete
301 Echo test

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2.35 Bit 74 – Credits, Number

Bit Map Position: 74
Format: Fixed Length
Attribute: N 10
Description: The sum number of all “Credit” financial transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each financial transaction received by the Switch with the Processing
Code transaction code set to one of the following:

Transaction Code Transaction Service

20 Credit, Return
21 Credit, Deposit
22 Credit, Adjustment (Customer Correction)

2.36 Bit 75 – Credits, Reversal Number

Bit Map Position: 75
Format: Fixed Length
Attribute: N 10
Description: The sum number of “Credit” reversal transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each acquirer reversal and “Charge Back” authorizing institution
reversal transaction received by the Switch with the processing code
transaction code set to one of the following :

Transaction Code Transaction Service

00 Debit, Goods and Services
01 Debit, Withdrawal/Cash Advance
02 Debit, Adjustment (Customer Correction)

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2.37 Bit 76 – Debits, Number

Bit Map Position: 76
Format: Fixed Length
Attribute: N 10
Description: The sum number of “Debit” financial transactions processed. The ESP-
Link™ Switch increments this reconciliation total by “1” for each
financial transaction received by the ESP-Link™ Switch with the
“Processing Code” transaction code set to one of the following:
Transaction Code Transaction Service
00 Debit, Goods and Services
01 Debit, Withdrawal/Cash Advance
02 Debit, Adjustment (Customer Correction)

2.38 Bit 77 – Debits, Reversal Number

Bit Map Position: 77
Format: Fixed Length
Attribute: N 10
Description: The sum amount of “Debit” Reversal transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each Acquirer Reversal and “Charge Back” authorizing institution
Reversal transaction received by the ESP-Link™ Switch with the
Processing Code transaction code set to one of the following:
Transaction Code Transaction Service
20 Credit, Return
21 Credit, Deposit
22 Credit, Adjustment (Customer Correction)

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2.39 Bit 78 – Transfers, Number

Bit Map Position: 78
Format: Fixed Length
Attribute: N 10
Description: The sum number of “Transfer” Financial transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each Financial transaction received by the Switch with the Processing
Code transaction code set to one of the following:

Transaction Code Transaction Service

40 Transfer, Between Customer Related Accounts

2.40 Bit 79 – Transfer, Reversal Number

Bit Map Position: 79
Format: Fixed Length
Attribute: N 10
Description: The number of all “Transfer, Reversal” transactions processed by the
ESP-Link™ Switch. This number is incremented by ESP-Link™ for
each Processing Code detected having a value of 40.

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2.41 Bit 80 – Inquiries, Number

Bit Map Position: 80
Format: Fixed Length
Attribute: N 10
Description: The sum number of “Inquiry” Financial transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each “Inquiry” Financial transaction received by the Switch with the
Processing Code transaction set to one of the following:

Transaction Code Transaction Service

30 Inquiry, Available Funds

2.42 Bit 81 – Authorization, Number

Bit Map Position: 81
Format: Fixed Length
Attribute: N 10
Description: The sum number of Authorization transactions processed.
The ESP-Link™ Switch increments this reconciliation total by “1” for
each Authorization transaction received by the ESP-Link™ Switch.

2.43 Bit 83 – Credits, Transaction Fee Amount

Bit Map Position: 83
Format: Fixed Length
Attribute: N 12
Description: Net fee amount if the amount is positive.

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2.44 Bit 85 – Debits, Transaction Fee Amount

Bit Map Position: 85
Format: Fixed Length
Attribute: N 12
Description: Net fee amount if the amount is negative.

2.45 Bit 86 – Credits, Amount

Bit Map Position: 86
Format: Fixed Length
Attribute: N 16
Description: The sum amount of all “Credit” financial transactions processed,
exclusive of any fees.
The ESP-Link™ Switch increments this reconciliation total by the
“Amount, Transaction” in the ESP-Link™ Switch settlement currency
for each financial transaction received by the Switch with the
processing code action code set to one of the following:

Action Code Transaction Service

20 Credit, Return
21 Credit, Deposit
22 Credit, Adjustment (Customer Correction)

2.46 Bit 87 – Credits, Reversal Amount

Bit Map Position: 87
Format: Fixed Length
Attribute: N 16
Description: The sum amount of “Credit” reversal transactions processed, exclusive
of any fees.

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ESP-Link™/FTS Reference Manuel ISO-8583 Data Dictionary

2.47 Bit 88 – Debits, Amount

Bit Map Position: 88
Format: Fixed Length
Attribute: N 16
Description: The sum amount of all “Debit” financial transactions processed,
exclusive of any fees. The ESP-Link™ Switch increments this
reconciliation total by the “Amount, Transaction” in the ESP-Link™
Switch settlement currency for each financial transaction received by
the Switch with the processing code transaction code set to one of the
following:

Transaction Code Transaction Service

00 Debit, Goods and Services
01 Debit, Withdrawal/Cash Advance
02 Debit, Adjustment (Customer Correction)

2.48 Bit 89 – Debits, Reversal Amount

Bit Map Position: 89
Format: Fixed Length
Attribute: N 16
Description: The sum amount of “Debit” reversal transactions processed, exclusive
of any fees.

2.49 Bit 90 – Original Data Elements

Bit Map Position: 90
Format: Fixed Length with Sub-elements
Attribute: N 42
Description: The data elements contained in the original message, intended to
identify a transaction for correction or reversal.
The data element is composed of five sub-elements:
Conditional: Included in a 100 message on a pre-auth cancellation. Included in a
200 message on a purchase completion.

Position Description
1-4 Message Type Identifier:
The Message Type Identifier set from the original
transaction “Message Type Identifier”.
5-10 System Trace Audit Number
The trace number from the original transaction.

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11-20 Transmission Date and Time

The Transmission Date and Time (bit 7) from the original
transaction.
21 - 31 Original Acquiring Institution
The acquiring institution from the original transaction.
32 - 42 Original Forwarding Institution
The forwarding institution from the original transaction

2.50 Bit 91 – File Update Code

Bit Map Position: 91
Format: Fixed Length
Attribute: AN 1
Description: Indication to the ESP-Link™ Switch of which file update maintenance
procedure to follow.
The following File Update Code values are supported by the ESP-
Link™ Switch:
1. Add record
2. Change record
3. Delete record
5. Inquiry
7. Add file

2.51 Bit 94 – Service Indicator

Bit Map Position: 94
Format: Fixed Length
Attribute: AN 7
Description: Identifies the file update service.

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2.52 Bit 95 – Replacement Amounts

Bit Map Position: 95
Format: Fixed Length with Sub-Elements
Attribute: N 42
Description: The new actual amounts necessary to perform a customer correction or
partial reversal of a previously approved Financial transaction.
The following three sub-elements are in fixed length format totaling the
36 numeric character data element:

Sub-Element Amount Attribute

Actual Amount, Transaction N 12
Actual Amount, Settlement N 12
Actual Amount, Transaction Fee X+N8
Actual Amount, Settlement Fee X+N8

These sub-elements are used when partially reversing a previously

approved Financial transaction in a Reversal transaction and contain
the actual transaction completion amounts at the point-of-service
terminal. The original Financial transaction amounts are contained in
their appropriate data elements in the Reversal transaction.

2.53 Bit 97 – Net Settlement Amount

Bit Map Position: 97
Format: Signed Numeric
Attribute: X + N 16
Description: This field contains the net settlement amount. It is used in the 502
message to send the issuer zone host the net settlement amount for
the current day.

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2.54 Bit 99 – Settlement Institution Identification

Code
Bit Map Position: 99
Format: Variable Length Data
Attribute: N ..11
Description: This field contains the institution number of the institution that receives
the reconciliation message. Message type 501/522. The response must
contain this same institution number as the request.

2.55 Bit 100 – Receiving Institution Identification

Code
Bit Map Position: 100
Format: Variable Length Data
Attribute: N ..11
Description: For financial type messages this field contains the institution number of
the authorizing institution processor.
For network messages, types 800/820, this field contains the institution
number of the destination institution of the request. The response must
contain this same institution number as the request

2.56 Bit 101 – File Name

Bit Map Position: 101
Format: Variable Length Data – LLVAR
Attribute: ANS ..17
Description: The ESP-Link™ Switch assigned name of the file to be accessed by
originating institution.

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2.57 Bit 102 – Account Identification 1

Bit Map Position: 102
Format: Variable Length Data – LLVAR
Attribute: ANS ..28
Description: A specific customer account identification. The Account Identification 1
identifies the specific related account affected in a “Debit”, “Transfer
from” or “Payment” Financial transaction.
Conditional: Availability of the account information at the acquiring institution.
Required for inter institution transfers. If it exists the routing will take
place according to the institution element of this information.
The data element is composed of three sub-elements:

Position Length Description

00 - 13 14 Account Number
14 – 24 11 Institution Number
25 - 27 3 Sub-institution Number

2.58 Bit 103 – Account Identification 2

Bit Map Position: 103
Format: Variable Length Data – LLVAR
Attribute: ANS ..28
Description: A specific customer account identification. The Account Identification 2
identifies the specific related account affected in a “Credit”, “Transfer
To” or “Payment” Financial transaction.

Conditional: Availability of the account information at the acquiring institution.

Required for inter institution transfers. If it exists the routing will take
place according to the institution element of this information.
The data element is composed of three sub-elements:

Position Length Description

00 - 13 22 Account Number
14 – 24 11 Institution Number
25 - 27 3 Sub-institution Number

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2.59 Bit 121 – Customer Information Response

Bit Map Position: 121
Format: Variable Length – LLLVAR
Attribute: ANS …499
Description: This is a free format field used to return the mini statement or all
balance inquiry data to be printed at the ATM. Each print line must be
delimited with a semicolon.
Conditional: Used in “statement print” and “all balance inquiry” transactions.

2.60 Bit 123 - New PIN Data

Bit Map Position: 123
Format: Variable Length – LLLVAR
Attribute: B …16
Description: This field is used in a PIN change transaction to hold the cardholder’s
new Personal Identification Number (PIN).
Refer to Bit 52 for details.

Conditional: Required if a PIN change is requested and a new PIN is entered at a

point-of-service terminal.

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2.61 Bit 128 – Message Authentication Code Field

(MAC)
Bit Map Position: 128
Format: Fixed Length
Attribute: B 16
Description: Used to validate the source and the text of the message between
sender and receiver.
The last bit position within any bit map shall be reserved for the MAC
field. If authentication is to be performed on the message, the MAC
field will represented by the final bit in the final bit map of that message.

MACing is done on key fields in the message body. The fields to be

used in MACing must be agreed upon by the sending and receiving
processors.
The following fields are used when generating the MAC value, if they
are available.

Bit Map Field Name

2 Primary Account Number
3 Processing Code
4 Amount, Transaction
11 System Trace Audit Number
12 Time, Local Transaction
13 Date, Local Transaction
32 Acquiring Institution Identification Code
38 Authorization Identification Response
39 Response Code
41 Card Acceptor Terminal Identification
49 Currency Code, Transaction
95 Replacement Amounts

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