In the Docs

Debit Authorization

A Debit Authorization record contains information about a Debit authorization request. A Debit authorization request occurs when the card is presented to the merchant and the merchant sends the information about the purchase to the card issuer to determine whether the purchase should proceed or not. A Debit Posting record contains information about a Debit transaction that has already occurred and is used to tell the issuer about the transaction.

Request Body:

Node	Child Node	Type	Max	Description	Remarks
header	msg_id	A/N	12	Unique Source Message ID	Mandatory
	msg_type	String	12	Request Type Default: "TRANSACTION"	Mandatory
	msg_function	String	50	Function name to be used Default: "REQ_DBTRAN"	Mandatory
	src_application	String	10	Source requesting channel Ex. “IVR”.	Mandatory
	target_application	String	10	Target application name Ex. "PCMS"	Mandatory
	timestamp	String	30	Timestamp of the request Format “DD/MM/YYYY HH:MM:SS”	Mandatory
	tracking_id	String	15	Transaction Tracking Id	Optional
	bank_id	String	4	Source Bank Id Ex. bankID	Mandatory
body	tranCode	String	3	The action code. Note: tranCode values must be greater or equal to 100.	Optional
	source	String	10	Name of source application. Note: A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and dest values are reversed.	Optional
	dest	String	10	Name of destination application. Note: A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and dest values are reversed.	Optional
	extendedHeader	String	1024	Extended header. Contains data used by, and returned unaltered to, the requesting system.	Optional
	workflow	String	16	Contains the name of the workflow to be executed by Falcon Fraud Manager.	Optional
	recordType	String	8	DBTRAN25	Optional
	dataSpecificationVersion	String	5	2.5	Optional
	clientIdFromHeader	String	16	Unique identifier for the client or subclient. The value of this field is determined jointly by the client and FICO.	Optional
	recordCreationDate	String	8	Format: yyyymmdd Date that this record was created. Time zone must be GMT.	Optional
	recordCreationTime	String	6	Format: hhmmss Time that this record was created. Time zone must be GMT.	Optional
	recordCreationMilliseconds	String	3	Format: sss Milliseconds portion of the time that this record was created.	Optional
	gmtOffset	String	6	Specifies the Greenwich Mean Time (GMT) offset associated with all date-time fields in the record body (positions 161 onward). Format is (-)nn.nn, where the digits to the right of the decimal point represent decimal fractions of an hour. For example, a GMT offset of 5 hours and 45 minutes (Nepal) is expressed as 5.75. Note that gmtOffset changes during Daylight Saving Time if Daylight Saving Time is observed in the date-time fields in the record body.	Optional
	customerIdFromHeader	String	20	Customer Identifier. Financial institution's unique identifier for the customer associated with this transaction.	Optional
	customerAcctNumber	String	40	Unique identifier for the account associated with the transaction/record.	Optional
	externalTransactionId	String	32	Client-generated unique transaction ID that is unique across all data feeds for a specific installation of Falcon Fraud Manager.	Optional
	pan	String	19	Primary Account Number (PAN) of the payment instrument. This is the number encoded or embossed on the payment instrument.	Optional
	authPostFlag	String	1	Type of transaction: A = Authorization or other payment-card-initiated transaction (for example, available funds inquiry at ATM). P = Posting	Optional
	cardPostalCode	String	9	Deprecated. Cardholder ZIP or postal code.	Optional
	cardSeqNum	String	3	The sequence number for the chip card, if used.	Optional
	openDate	String	8	Deprecated. Format: yyyymmdd Date account was opened.	Optional
	plasticIssueDate	String	8	Deprecated. Format: yyyymmdd Date of last plastic issue.	Optional
	plasticIssueType	String	1	Deprecated. Plastic issue type: F = Force emboss (plastic reissued due to customer request, replacement for lost/stolen, emergency plastic, option change) I = Initial issue (first plastic issued on the account) R = Normal reissue S = Special reissue (due to an issuer's special project) T = Token or virtual card issue Blank = Unknown/other	Optional
	acctExpireDate	String	8	Deprecated. Format: yyyymmdd Expiration date from cardholder file.	Optional
	cardExpireDate	String	8	Format: yyyymmdd Expiration date from card, transmitted with transaction data.	Optional
	expandedBIN	String	10	The first 8–10 digits of the card number (pan).	Optional
	dailyCashLimit	String	10	Deprecated. Format: nnnnnnnnnn The daily cash (ATM) limit, expressed in full units of the currency. Amount is expressed in currency unit specified in transactionCurrencyCode.	Optional
	tokenizationIndicator	String	1	Tokenization issue type: C = Card on File H = Host Card Emulation (Cloud-Based Payment) O = Other tokenization type Q = Quick Response Code S = Secure Element Blank = Transaction is not tokenized Deprecated values: M = Mobile device enabled token N = One time use token W = Digital wallet	Optional
	tokenExpirationDate	String	8	Date the token expires. Network provides in 4 bytes YYMM	Optional
	consumerAuthenticationScore	String	3	Payment-card network consumer authentication risk score.	Optional
	incomeOrCashBack	String	10	Deprecated. Format: nnnnnnnnnn Cash-back amount if transactionType = B (merchandise with cash back). Otherwise, annual income (blank if income data not available). Amount is expressed in currency unit specified in transactionCurrencyCode.	Optional
	cavvResult	String	1	The CAVV (Cardholder Authentication Verification Value) result. Valid values: 0 = CAVV could not be verified 1 = CAVV failed verification-authentication 2 = CAVV passed verification-authentication 3 = CAVV passed verification-attempted authentication. Issuer attempts CAVV key was used to generate the CAVV. 4 = CAVV failed verification-attempted authentication. Issuer attempts CAVV key was used to generate the CAVV. 6 = CAVV not verified, issuer not participating 7 = CAVV failed verification-attempted authentication. Visa CAVV attempts key was used to generate the CAVV. 8 = CAVV passed verification-attempted authentication. Visa CAVV attempts key was used to generate the CAVV. 9 = CAVV failed verification-attempted authentication A = CAVV failed verification-attempted authentication B = CAVV passed verification-attempted authentication, no liability shift C = CAVV was not verified-attempted authentication D = CAVV was not verified-cardholder authentication Blank = not present or not verified	Optional
	peerGrouping	String	1	Used to turn on peer grouping for models that contain collaborative profiles. Valid values: Y = Peer grouping turned on Blank = Peer grouping turned off	Optional
	transactionDate	String	8	Format: yyyymmdd Date of transaction. Time zone is specified by gmtOffset.	Optional
	transactionTime	String	6	Format: hhmmss Time of transaction. Time zone is specified by gmtOffset.	Optional
	transactionAmount	String	13	Format: nnnnnnnnnn.nn Transaction amount; always a positive number or zero, regardless of entry in transactionType field. Amount is expressed in currency unit specified in transactionCurrencyCode: - If transactionType is B (cash-back) then transactionAmount is the total of the merchandise amount and the cash-back amount. - If transactionType is C (ATM cash) then transactionAmount should be the total of the disbursed amount and fees. - For ATM withdrawals, the amount is not zeroed out on decline. - For ATM balance inquiries, this field is set to zero.	Optional
	transactionCurrencyCode	String	3	ISO numeric currency code. This is the currency unit used for all currency-based fields.	Optional
	transactionCurrencyConversionRate	String	13	Format: nnnnnn.nnnnnn The multiplicative currency conversion rate that is used to convert the currency specified in transactionCurrencyCode to US dollars. The number of US dollars in the currency specified in transactionCurrencyCode.	Optional
	authDecisionCode	String	1	Authorization Decision Code: A = Approve B = Partial approval (a portion of the funds is approved) D = Decline I = Approve with positive ID P = Pick up card R = Refer Blank = Unknown/other	Optional
	transactionType	String	1	Transaction type: A = Address verification only B = Purchase with cash back C = Cash E = Initial authentication (ATM) F = Reserved I = ATM available funds inquiry M = Purchase O = Other P = Pre-authorization R = Crediting funds to the account U = Automated recurring charge X = Reversal Z = Completion of previously pre-authorized transaction Blank = Unknown Deprecated: J = ATM deposit	Optional
	mcc	String	4	Merchant Category Code (MCC).	Optional
	merchantPostalCode	String	9	Merchant ZIP or postal code.	Optional
	merchantCountryCode	String	3	Merchant ISO numeric country code.	Optional
	pinVerifyCode	String	1	PIN verification: I = Invalid V = Valid X = PIN entered but not verified or verification results unknown Y = PIN not entered, not using a card association network Z = PIN not entered, using a card association network Deprecated value: P = PVKI value zero or blank Blank = not checked	Optional
	cvvVerifyCode	String	1	CVV/CVC, CVV2/CVC2, dCVV/CVC3, or iCVV/Chip CVC outcome, as appropriate for the POS entry mode: I = Invalid V = Valid Blank = Not checked or outcome of check unknown Deprecated values: N = Track data not present or insufficient Z = CVV/CVC value zero or blank	Optional
	posEntryMode	String	1	POS entry mode: C = Contactless magnetic stripe D = Contactless microchip card E = E-commerce F = Fallback to magnetic stripe read on chip card that is unreadable at chip-enabled terminal G = Fallback to keyed entry on chip card that is unreadable at chip-enabled terminal K = Keyed (manual) S = Magnetic stripe read; CVC/CVV checking may not be possible T = Chip read; CVC/CVV checking may not be possible U = Magnetic stripe read V = Chip read X = Contactless entry using bar code reader Y = Contactless entry using optical character reader Blank = Unknown/other	Optional
	postDate	String	8	Format: yyyymmdd Authorization: Blank. Posting: Date posting was processed.	Optional
	authPostMiscIndicator	String	1	This field indicates if the posting was authorized. Valid values: N = No Y = Yes Blank = Unknown/Not Posting	Optional
	mismatchIndicator	String	1	Indicator for controlling case creation based on results from standard checks performed prior to Falcon. Mismatch Indicator: Blank = Do not force case creation Any other value = Create case If you use Falcon Expert, create a rule to use this field.	Optional
	caseCreationIndicator	String	1	Case creation indicator: Blank = Do not force case creation. Any other value = Create case.	Optional
	userIndicator01	String	1	User-defined information. Editable in Falcon Expert rules.	Optional
	userIndicator02	String	1	User-defined information. Editable in Falcon Expert rules.	Optional
	userData01	String	10	User-defined information. Editable in Falcon Expert rules.	Optional
	userData02	String	10	User-defined information. Editable in Falcon Expert rules.	Optional
	onUsMerchantId	String	10	Deprecated. Merchant identifier (from merchant flat-file database). For Point-of-Service (POS) transactions, this is the merchant identifier. For ATM transactions, it is the ATM identifier.	Optional
	merchantDataProvided	String	1	Deprecated. Specifies whether the merchant data fields in this record have been populated by the Scoring Server Client Application or not. Must be set to agree with the action code (online) or semaphore (batch) semantics used to process the record as the functionality is controlled by the action-code/semaphore semantics, not the value specified here: Y = Yes. Used for action-codes/semaphores configured not to populate the merchant data fields before model execution. N = No. Used for action-codes/semaphores configured to populate the merchant data fields before model execution. The merchant data is retrieved from the Scoring Server's merchant flat-file database; the record is identified by the onUsMerchantId field.	Optional
	idMethod	String	1	The ID method: 0 = not specified 1 = signature 2 = online PIN 3 = unattended terminal, no PIN pad 4 = mail/telephone/electronic commerce P = online PIN verification S = can signify signature Numeric values indicate Visa responses, and letter values indicate Mastercard responses.	Optional
	externalScore1	String	4	External score for use by another process.	Optional
	externalScore2	String	4	External score for use by another process.	Optional
	externalScore3	String	4	External score for use by another process.	Optional
	customerPresent	String	1	Is cardholder present during transaction? Valid values: Y = Yes N = No Blank = Unknown	Optional
	atmOwner	String	1	ATM owner, if mcc = 6011: B = Issuers (financial institutions) own ATM terminal (On-us transaction) C = Other financial institution, credit union or thrift owned terminal M = Merchant or ISO owned terminal O = Other owner U = unknown Blank for other mcc codes.	Optional
	randomDigits	String	2	Random digits used to define random selections of cardholders for the testing of rules and models.	Optional
	portfolio	String	14	Name of the "portfolio" (segment of the account base) to which this account belongs.	Optional
	tokenRequestorId	String	14	Strings are left justified. Token Requestor ID Positions 1-3: Token Service Provider code, unique to each Token Service Provider Positions 4-11: Assigned by Token Service Provider for each requesting entity and Token Domain	Optional
acquirerBin	String	6	Deprecated. ID of acquiring financial institution.	Optional
merchantName	String	40	Merchant name (or address).	Optional
merchantCity	String	30	Merchant city.	Optional
merchantState	String	3	Merchant state (or country).	Optional
caseSuppressionIndicator	String	1	Case suppression indicator. Valid values: Blank = Do not prevent case creation. Any other value = Prevent case creation.	Optional
userIndicator03	String	5	User-defined information. Editable in Falcon Expert rules.	Optional
userIndicator04	String	5	User-defined information. Editable in Falcon Expert rules.	Optional
userData03	String	15	User-defined information. Editable in Falcon Expert rules.	Optional
userData04	String	20	User-defined information. Editable in Falcon Expert rules.	Optional
userData05	String	40	User-defined information. Editable in Falcon Expert rules.	Optional
realtimeRequest	String	1	Authorization: Real-time-response indicator: Blank = Respond in real time if transaction code calls for response. Any other value = Do not respond in real time. If system is not in real-time mode, then information in this field is ignored. Posting: Blank.	Optional
padResponse	String	1	Authorization: Prior Action Database (PAD) response code, for use with Falcon Expert Authorization Response Module (ARM) rules. The values are determined by the client. Suggested values are: A = Approved D = Declined I = Approved with positive ID P = Picked up card R = Short referral C = Continuous referral N = Never refer Blank = Unknown Posting: Blank.	Optional
padActionExpireDate	String	8	Format: yyyymmdd Authorization: Date through which PAD action remains valid, for use with ARM rules. Posting: Blank.	Optional
tokenId	String	19	Payment Token. May be 13 to 19 bytes.	Optional
cardAipStatic	String	1	Indicates the ability of a chip card to support Static Data Authentication (SDA) as part of the Application Interchange Profile: Y = SDA is supported. N = SDA is not supported. Blank = Unknown/not provided.	Optional
cardAipDynamic	String	1	Indicates the ability of a chip card to support Dynamic Data Authentication (DDA) as part of the Application Interchange Profile: Y = DDA is supported. N = DDA is not supported. Blank = Unknown/not provided. Deprecated values: D = DDA is supported. S = DDA is not supported.	Optional
RESERVED_01	String	1	Reserved.	Optional
cardAipVerify	String	1	Indicates the ability of a chip card to support Cardholder Verification as part of the Application Interchange Profile: Y = Cardholder Verification is supported. N = Cardholder Verification is not supported. Blank = Unknown/not provided.	Optional
cardAipRisk	String	1	Indicates the ability of a chip card to perform Terminal Risk Management as part of the Application Interchange Profile: Y = Terminal Risk Management is to be performed N = Terminal Risk Management is not to be performed Blank = Unknown/not provided.	Optional
cardAipIssuerAuthentication	String	1	Indicates the ability of a chip card to support Issuer Authentication as part of the Application Interchange Profile: Y = Issuer Authentication is supported N = Issuer Authentication is not supported Blank = Unknown/not provided.	Optional
cardAipCombined	String	1	Indicates whether a chip card supports combined DDA/AC Generation (CDA) as part of the Application Interchange Profile: Y = CDA is supported. N = CDA is not supported. Blank = Unknown/not provided.	Optional
cardDailyLimitCode	String	1	The deprecated cardDailyLimitCode field has been repurposed for use as an authentication indicator. Valid values: 1 = ecommerce / SecureCode 2 = processed through Masterpass 4 = Digital Secure Remote Payment (DSRP) with UCAF data 7 = recurring authentication	Optional
availableBalance	String	13	Format: (-)nnnnnnnnn.nn Available balance for accessed account immediately before this transaction. Amount is expressed in the currency unit specified in transactionCurrencyCode.	Optional
availableDailyCashLimit	String	13	Format: (-)nnnnnnnnn.nn Available (remaining) daily cash limit before this transaction. Amount is expressed in currency unit specified in transactionCurrencyCode.	Optional
availableDailyMerchandiseLimit	String	13	Format: (-)nnnnnnnnn.nn Available (remaining) daily merchandise limit before this transaction. Amount is expressed in currency unit specified in transactionCurrencyCode.	Optional
atmHostMcc	String	4	Deprecated. For ATM transactions, MCC for merchant where terminal is located.	Optional
atmProcessingCode	String	6	For ATM transactions, processing code according to ISO 8583, field 003. Otherwise, blank.	Optional
atmCameraPresent	String	1	Deprecated. For ATM Transactions: N = Camera not present Y = Camera present Blank = Unknown	Optional
cardPinType	String	1	Deprecated. Card PIN type: I = Issuer selected C = Customer selected Blank = Unknown	Optional
cardMediaType	String	1	Deprecated. Card medium carrying the information: C = Chip card D = Contactless-capable chip card M = Magnetic-stripe card N = Contactless capable magnetic-stripe card V = Virtual card (no physical card exists) W = Contactless-only card Blank = Unknown/not provided.	Optional
cvv2Present	String	1	Presence indicator for Card Identification Number (CIN), CVC2, or CVV2: 0 = CVV2 not provided 1 = CVV2 present 2 = CVV2 present but not legible 9 = CVV2 not present Blank = Unknown or not applicable.	Optional
cvv2Response	String	1	Response to a CVV2 request. See field 44.10 in the Visa specification or Data Element 48, Subelement 87 of the MasterCard specification: M = CVV2 match N = CVV2 no match P = CVV2 not processed S = CVV2 should be on the card U = Issuer is not certified or has not provided encryption keys to association. Blank = Unknown or not applicable	Optional
avsResponse	String	1	Response to an AVS (Address Verification Service) request. See field 44.2 in the Visa specification or Data Element 48, Subelement 83 of the MasterCard specification: A = AVS address only N = AVS no match R = AVS system unavailable S = AVS not supported U = AVS no data W= AVS ZIP nine X = AVS exact Y = AVS ZIP five address Z = AVS ZIP five only Blank = Unknown/not provided	Optional
transactionCategory	String	1	Method used for the transaction: A = Automatic/recurring I = Internet M = Mail N = Card not present, Cardholder present P = Card present O = Other T = Telephone	Optional
acquirerId	String	12	ID code of the acquiring institution (ISO 8583 field 32). Blank = Unknown/not provided	Optional
acquirerCountry	String	3	ISO numeric country code of the acquiring institution for the merchant or ATM (ISO 8583 field 19). Blank = Unknown/not provided	Optional
terminalId	String	16	The ID number of the terminal at which the authorization was initiated. Blank = Unknown/not provided	Optional
terminalType	String	1	Code that identifies the type of POS terminal: A = Attended terminal L = Limited amount terminal requiring no cardholder verification I = Internet/telephone U = Unattended terminal, not specified elsewhere Blank = Unknown or not applicable	Optional
terminalEntryCapability	String	1	Terminal entry capability. Indicates the terminal's ability to read account numbers and expiration dates from cards: C = Chip card read capability D = Contactless chip card read capability K = Key entry only (card present) M = Magnetic stripe read capability N = Contactless magnetic stripe read capability O = Other Z = No terminal used (card not present) Blank = Unknown Deprecated values for Visa transactions: 0 = Unknown 1 = Terminal not used 2 = Magnetic stripe read capability 3 = Bar code read capability 4 = OCR read capability 5 = Chip read capability 8 = Proximity-read-capable terminal 9 = Terminal does not read card data Deprecated values for MasterCard transactions: 0 = Unknown or unspecified 1 = No terminal used (voice/ARU authorized) 2 = Magnetic stripe reader 3 = Contactless chip reader 4 = Contactless magnetic stripe reader 5 = Magnetic stripe reader and EMV specification compatible chip reader 6 = Key entry only 7 = Magnetic stripe reader and key entry 8 = Magnetic stripe reader and key entry and EMV specification compatible chip reader 9 = EMV specification compatible chip reader	Optional
posConditionCode	String	2	A code identifying transaction conditions at the point of sale or point of service: 00 = Normal transaction of this type 01 = Customer not present 02 = Unattended acceptance terminal, customer operated 03 = Merchant suspicious of transaction or card 05 = Customer present, card not present 06 = Completion advice 08 = Mail/telephone order/recurring transaction 10 = Customer identity verified 51 = Request for account number or address verification without authorization 55 = Request for telecode verification without authorization 59 = E-commerce request through public network 71 = Card present, magnetic stripe cannot be read Blank = Unknown/not provided	Optional
networkId	String	1	Network identification: B = Financial institution's ATM C = Cirrus D = Discover E = Pulse F = AFFN (Armed Forces Financial Network) G = American Express H = Co-op I = Interlink J = Jeanie K = Credit Union 24 L = AllPoint M = MasterCard/Maestro N = Interac O = Other P = Plus Q = Presto S = Star T = Shazam V = Visa X = Accel/Exchange Y = NYCE	Optional
RESERVED_02	String	1	Reserved.	Optional
authExpireDateVerify	String	1	Valid values: I = Invalid V = Valid X = Expiration date present but not checked or verification results unknown Z = Expiration date not present in authorization message	Optional
authSecondaryVerify	String	1	CNP Transactions: outcome of Verified by Visa or Mastercard SecureCode Check. CP/ATM Transactions: outcome of secondary authentication (2nd PIN, birthdates, and so on): I = Invalid V = Valid U = Transaction covered by secondary authentication, outcome of check unknown Blank = Not checked or no secondary authentication	Optional
authBeneficiary	String	1	Deprecated. Valid values: C = Customer's account at issuing financial institution D = Account at domestic financial institution F = Account at foreign financial institution O = Other Blank = None For bill payment: S = Customer's own bill (for example, credit card) T = Payee chosen from financial institution-approved list U = Unknown payee (envelope deposited) V = Payee chosen from customer's list	Optional
authResponseCode	String	1	Valid values: A = Approve C = CVV/CVC failure D = Expiration date mismatch E = Account closed or Expired card F = Suspected fraud or lost/stolen card I = Insufficient funds L = Exceeds withdrawal amount limit M = Exceeds withdrawal frequency limit N = No such account (checking, savings, or credit) O = Other decline reason P = Incorrect PIN Q = Incorrect secondary PIN/authentication R = ATC out of range for contactless or chip transaction T = Allowable PIN tries exceeded U = Incorrect password V = Allowable password tries exceeded W = Allowable secondary PIN/authentication tries exceeded	Optional
authReversalReason	String	1	Valid values: 0 = Not a reversal 2 = Terminal processor error 3 = System timeout 4 = Terminal error/misdispense 5 = Terminal communication error 6 = Terminal error 7 = Late or unsolicited response 8 = Reversal/Customer cancel 9 = Suspected fraud Blank = POS transaction or reversal reason unknown	Optional
authCardIssuer	String	1	Card Issuer: B = Card issued by processing financial institution O = Card NOT issued by processing financial institution Blank = Unknown	Optional
terminalVerificationResults	String	10	Indicates the application status as registered at the terminal (Terminal Verification Results). Blank = Unknown/not provided	Optional
cardVerificationResults	String	10	The card verification results (CVR) indicate that exception conditions occurred during the current and previous transactions, as seen by the card. The first two bytes indicate the length of the field if the Visa Integrated Circuit Card Specification (VIS) is being followed. Blank = Unknown/not provided	Optional
cryptogramValid	String	1	Indicates whether the authorization request cryptogram was valid: I = Invalid V = Valid Blank = Unknown/not provided	Optional
atcCard	String	5	Application transaction counter for chip cards or contactless cards. Counter maintained by the application in the ICC and incremented whenever the application is selected. Blank = Unknown/not provided	Optional
atcHost	String	5	Application transaction counter for chip cards or contactless cards, as held on the host system, for the last online transaction. Blank = Unknown/not provided	Optional
RESERVED_03	String	2	Reserved.	Optional
tokenAssuranceLevel	String	2	Contains a two-digit value ranging from 00 to 99 indicating the confidence level of the token to PAN/cardholder relationship. Provided by the Token Service Provider	Optional
secondFactorAuthCode	String	2	The second factor authentication code. Numeric values indicate Visa responses, and letter values indicate Mastercard responses. Visa valid values: 00 = 3DS 1.0.2 or prior, All authentication methods 01 = 3DS 2.0 Challenge flow using static passcode 02 = 3DS 2.0 Challenge flow using One Time Passcode (OTP) via SMS method 03 = 3DS 2.0 Challenge flow using OTP via key fob or card reader method 04 = 3DS 2.0 Challenge flow using OTP via App method 05 = 3DS 2.0 Challenge flow using OTP via any other method 06 = 3DS 2.0 Challenge flow using Knowledge Based Authentication (KBA) method 07 = 3DS 2.0 Challenge flow using Out of Band (OOB) authentication with biometric method 08 = 3DS 2.0 Challenge flow using OOB authentication with App login method 09 = 3DS 2.0 Challenge flow using OOB authentication with any other method 10 = 3DS 2.0 Challenge flow using any other authentication method 97 = 3DS 2.0 Frictionless flow, RBA (Risk-based authentication) review 98 = 3DS 2.0 Attempts server responding 99 = 3DS 2.0 Frictionless flow, RBA (Risk-based authentication Mastercard valid values: J = ACS or ACS Stand-in processed (3D 1.0.2 SPA 1 Value) H = Attempts processing (3D 1.0.2 SPA 1 Value) KA = ACS processed without challenging cardholder (3D 2.0 SHA 256) KB = ACS processed after challenging cardholder (3D 2.0 SHA 256) KC = ACS Stand-in processed, RBA score (3D 2.0 SHA 256) KD = ACS Stand-in processed, future use (3D 2.0 SHA 256) KE = Attempts processing (3D 2.0 SHA 256) KF = Attempts processing, future use (3D 2.0 SHA 256) KG = ACS processed without cardholder challenge (3D 2.0 SHA 1) KH = ACS processed after cardholder challenge (3D 2.0 SHA 1) KJ = ACS processed RBA Score (3D 2.0 SHA 1) KK = ACS Stand-in processed, future use (3D 2.0 SHA 1) KL = Attempts processing (3D 2.0 SHA 1) KM = Attempts processing, future use (3D 2.0 SHA 1) KN = Not Authenticated - Acquirer Exemption stronger SCA (3D 2.0 SHA 256) KO = Authenticated - recurring shipment (3D 2.0 SHA 256) KP = Authenticated using SCA - First in series of recurring shipment (3D 2.0 SHA 256)	Optional
cavvKeyIndicator	String	2	The CAVV key indicator: 01 = Issuer CAVV and/or CAAV attempts key set 1 02 = Issuer CAVV and/or CAAV attempts key set 2 03 = Issuer CAVV and/or CAAV attempts key set 3 04 = Issuer CAVV and/or CAAV attempts key set 4 05 = Issuer CAVV and/or CAAV attempts key set 5 06 = Issuer CAVV and/or CAAV attempts key set 6 07 = Issuer CAVV and/or CAAV attempts key set 7 08 = Issuer CAVV and/or CAAV attempts key set 8 10 = Association CAAV attempts first key set 11 = Association CAAV attempts second key set	Optional
recurringAuthExpireDate	String	8	Deprecated. Format: yyyymmdd The date after which no recurring authorizations should be performed. For transactionType = U.	Optional
linkedAcctType	String	1	Deprecated. Which account was linked to this transaction? Valid values: B= Brokerage/Money market C = Checking K = Credit card L = Line of credit O = Other S = Savings U = Unknown	Optional
cardIncentive	String	1	Deprecated. Incentive program associated with the card, if any: A = Auto discount C = Cash back (for example, rebate program) F = Frequent-flier miles G = Gas discount H = Charity contribution I = Internet discount L = Telephone discount M = Merchandise rebate O = Other R = General purpose points/rewards Blank = None	Optional
eciIndicator	String	2	The ECI indicator. Valid values: 0 = not applicable 1 = single transaction of mail/phone order 2 = recurring transaction 3 = installment payment 4 = unknown classification 5 = secure electronic commerce transaction 6 = non-authenticated security transactions at a 3-D Secure capable merchant, and merchant attempted to authenticate using 3-D Secure 7 = non-authenticated security transaction 8 = non-secure transaction Blank = Unknown/Other	Optional
cardPinSetDate	String	8	Deprecated. Format: yyyymmdd The date on which the PIN was last set.	Optional
processorAuthReasonCode	String	5	Processor's own code identifying reason for authorization decision. Blank = Unknown/not provided	Optional
standinAdvice	String	1	Valid values: A = Association advice (stand-in) Blank = No advice	Optional
merchantId	String	16	Merchant ID (Card Acceptor ID).	Optional
cardOrder	String	1	Deprecated. The card order; indicates the card used: 1 = Primary card 2 = Secondary card 3 = Tertiary card 4 = Fourth card 5 = Fifth card 6 = Sixth card 7 = Seventh card 8 = Eighth card 9 = Ninth card or beyond Blank = Unknown	Optional
cashbackAmount	String	13	Format: nnnnnnnnnn.nn Cash-back amount if transactionType = B (merchandise with cash back). Amount given in cash back on a merchandise transaction (for example, cash back at grocery store). Amount is expressed in currency unit specified in transactionCurrencyCode.	Optional
userData06	String	13	User-defined information. Editable in Falcon Expert rules.	Optional
userData07	String	40	User-defined information. Editable in Falcon Expert rules.	Optional
paymentInstrumentId	String	30	Unique identifier for the payment instrument.	Optional
avsRequest	String	1	AVS (Address Verification Service) request indicator: 1 = AVS only (Must have (transactionType = A, transactionAmount = 0) 2 = AVS and authorization request Blank = Unknown/not provided	Optional
cvrOfflinePinVerificationPerformed	String	1	Offline PIN verification indicator from Card Verification Results: 1 = Offline PIN verification performed 0 = Offline PIN verification not performed Blank = Unknown or not applicable	Optional
cvrOfflinePinVerificationFailed	String	1	Offline PIN verification failure indicator from Card Verification Results: 1 = Offline PIN verification failed 0 = Offline PIN verification successful Blank = Unknown or not applicable	Optional
cvrPinTryLimitExceeded	String	1	Offline PIN try limit indicator from Card Verification Results: 1 = Offline PIN try limit exceeded 0 = Offline PIN try limit not exceeded Blank = Unknown or not applicable	Optional
posUnattended	String	1	Unattended terminal indicator: 1 = Unattended terminal 0 = Attended terminal Blank = Unknown/other	Optional
posOffPremises	String	1	Off-premises terminal indicator: 1 = Off-premises terminal 0 = On-premises terminal Blank = Unknown/other	Optional
posCardCapture	String	1	Terminal card-capture capability indicator: 1 = Terminal has card-capture capabilities 0 = Terminal does not have card-capture capabilities Blank = Unknown/other	Optional
posSecurity	String	1	Transaction security indicator: 0 = No security concern 1 = Merchant suspicious 2 = Customer identity verified Blank = Unknown/not provided	Optional
authId	String	6	Authorization Identification Response.	Optional
userData08	String	10	User-defined information. Editable in Falcon Expert rules.	Optional
userData09	String	10	User-defined information. Editable in Falcon Expert rules.	Optional
userIndicator05	String	1	User-defined information. Editable in Falcon Expert rules.	Optional
userIndicator06	String	1	User-defined information. Editable in Falcon Expert rules.	Optional
userIndicator07	String	5	User-defined information. Editable in Falcon Expert rules.	Optional
userIndicator08	String	5	User-defined information. Editable in Falcon Expert rules.	Optional
modelControl1	String	1	This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.	Optional
modelControl2	String	1	This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.	Optional
modelControl3	String	1	This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.	Optional
modelControl4	String	1	This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.	Optional
RESERVED_04	String	3	Reserved.	Optional
segmentId1	String	6	Segmentation ID. Reserved for FICO modeling.	Optional
segmentId2	String	6	Segmentation ID. Reserved for FICO modeling.	Optional
segmentId3	String	6	Segmentation ID. Reserved for FICO modeling.	Optional
segmentId4	String	6	Segmentation ID. Reserved for FICO modeling.	Optional

Response Body:

Node	Child Node		Type	Max	Description	Remarks
header	msg_id		String	12	The msg_id sent in the request will be sent back in response in this field.	Mandatory
	msg_id		String	12	Unique Source Message ID e.g. “adfasf123456”	Mandatory
	msg_type		String	12	Request Type	Mandatory
	msg_function		String	50	Function name to be used	Mandatory
	msg_function		String	50	"REP_DBTRAN"	Mandatory
	src_application		String	10	The src_application sent in the request will be sent back in response in this field.	Mandatory
	src_application		String	10	Source requesting channel e.g. “SSP”	Mandatory
	target_application		String	10	The target_application sent in the request will be sent back in response in this field.	Mandatory
	timestamp		String	30	Timestamp of the response	Mandatory
	timestamp		String	30	Date & time. Format “DD/MM/YYYY HH:MM:SS”	Mandatory
	tracking_id		String	15	N/A	Optional
	bank_id		String	4	The bank_id sent in the request will be sent back in response in this field. E.g. ‘XXXX	Mandatory
	instance_id		String	10	N/A	Optional
exception_details	application_name		String	20	Application Name	Mandatory
	date_time			30	Timestamp of the response	Mandatory
	date_time		String	30	Format “DD/MM/YYYY HH:MM:SS”	Mandatory
	status			1	Status of the request (S/F)	Mandatory
	status		String	1	Success- S, Failure - F	Mandatory
	error_code		String	4	EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions)	Mandatory
	error_description		String	100	Error Description (Check error codes section for the complete list of error codes and error code descriptions)	Mandatory
	transaction_ref_id		String	20	The tracking_id sent in the request will be sent back in response in this field.	Optional
body	ehError		string		hexadecimal value
	workflow		string		Workflow code received in original transaction is returned. e.g. "CREDIT" -- for clients with credit portfolio, and opted for SCORES "DEBIT" -- for clients with debit portfolio, and opted for SCORES "RBTRAN" -- for clients with credit portfolio, and opted for SCORES "modelSTUB" -- Default for RULES ONLY clients
	cause		string		Possible cause for error. e.g. "Invalid value for recordType"
	tran_code		number	3	nnn - The transaction code. 101 for auth; 102 for advice; 108 for profile maturation	Mandatory
	source		string	10	Name of source application. Note: A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and dest values are reversed.	Mandatory
	destination		string	10	Name of destination application.	Mandatory
	extended_header		string	1024	Extended header. Contains data used by, and returned/unaltered to, the requesting system. For example: Tracking identifier used by requesting system	Mandatory
	responseRecordVersion		String	1	The response_record_version specifies the version of the scoring response layout. This field is included to support building libraries that support reading multiple versions of scoring response messages.	Mandatory
	scoreCount		String	2	This field specifies the number of scores in the response message and has values from 0 to 8	Mandatory
	decisionCount		String	2	This field specifies the number of decisions in the response message and has values from 0 to 10.	Mandatory
	scoringServerId		String	4	Contains a unique identifier for the Scoring Server host. The default value is blank. The Scoring Server id is specified during Scoring Server installation and is meant to be used for high availability configurations (where a scoring request message is sent to multiple Scoring Servers with the first response received by the Scoring Server client application (SSCA) being the response that is used by the client application).	Not Applicable for clients
	warning		string	50		Optional
	Array of decisions (upto 10 Occurences)
	decisions	decision_type	String	32	Stores the decision type of a type/code pair created by Falcon Expert functions that generate type/code pairs.	Optional
	decisions	decision_code	String	32	Stores the decision code of a type/code pair created by Falcon Expert functions that generate type/code pairs.	Optional
	Scores Array (up to 8 occurences) -- expected for clients who opted for SCORES as well
	scores	score	number	4	This is the score returned from the model.	Optional
		error_code	string	4	This is the error code generated by the model during its processing of the transaction to generate a score. A value of 0 or blank indicates no error.	Optional
		segment_id	string	8	This field contains the segment ID of the score in the score_1 field. For segment ID definitions, see the model report for the model that scored the transaction.	Optional
		score_name	string	22	Identifier for the score. The default score names are delivered with the model and can be changed after the model is installed, if needed.	Optional
		reason1	string	4	This field contains the top reason the score was generated. For reason-code definitions, see the model report for the model that scored the transaction.	Optional
		reason2	string	4	This field contains the second reason the score was generated.	Optional
		reason3	string	4	This field contains the third reason the score was generated.	Optional

Request Json


 {
    "NISrvRequest": {
        "request_dbtran": {
            "header": {
                "msg_id": "1695040194",
                "msg_type": "TRANSACTION",
                "msg_function": "REQ_FALCON_DBTRAN",
                "src_application": "TIBCO",
                "target_application": "FALCON",
                "timestamp": "2023-09-18T15:30:22.771+03:00",
                "tracking_id": "1695040194",
                "bank_id": "default",
                "instance_id": "1695040194"
            },
            "body": {
                "tranCode": "101",
                "source": "TIBCO",
                "dest": "FLACON",
                "extendedHeader": "EXTENDEDHEADER120007",
                "workflow": "modelSTUB",
                "recordType": "DBTRAN25",
                "dataSpecificationVersion": "2.5",
                "clientIdFromHeader": "SiFi",
                "recordCreationDate": "20230914",
                "recordCreationTime": "080102",
                "recordCreationMilliseconds": "234",
                "gmtOffset": "+03.00",
                "customerIdFromHeader": "12345000000007",
                "customerAcctNumber": "000999111000000007",
                "externalTransactionId": "D360DBT000000001",
                "pan": "5430092198239488",
                "authPostFlag": "A",
                "cardPostalCode": "RIYADH09",
                "cardSeqNum": "001",
                "openDate": "20230122",
                "plasticIssueDate": "20230220",
                "plasticIssueType": "T",
                "acctExpireDate": "20250109",
                "cardExpireDate": "20230102",
                "expandedBIN": "5430092101",
                "dailyCashLimit": "1122334455",
                "tokenizationIndicator": "S",
                "tokenExpirationDate": "20240122",
                "consumerAuthenticationScore": "920",
                "incomeOrCashBack": "11002200",
                "cavvResult": "2",
                "peerGrouping": "Y",
                "transactionDate": "20230914",
                "transactionTime": "102001",
                "transactionAmount": "556677.99",
                "transactionCurrencyCode": "SAR",
                "transactionCurrencyConversionRate": "1000.00001",
                "authDecisionCode": "A",
                "transactionType": "M",
                "mcc": "5677",
                "merchantPostalCode": "JEDDAH01",
                "merchantCountryCode": "682",
                "pinVerifyCode": "V",
                "cvvVerifyCode": "V",
                "posEntryMode": "E",
                "postDate": "20230914",
                "authPostMiscIndicator": "N",
                "mismatchIndicator": "N",
                "caseCreationIndicator": "N",
                "userIndicator01": "A",
                "userIndicator02": "B",
                "userData01": "USER01DATA",
                "userData02": "USER02DATA",
                "onUsMerchantId": "MCID0001",
                "merchantDataProvided": "Y",
                "idMethod": "2",
                "externalScore1": 1111,
                "externalScore2": 2222,
                "externalScore3": 3333,
                "customerPresent": "Y",
                "atmOwner": "M",
                "randomDigits": "66",
                "portfolio": "MASSRETAIL",
                "tokenRequestorId": "TKNREQ001001",
                "acquirerBin": "563490",
                "merchantName": "PIZZA&nbsp;HUT&nbsp;RETAIL&nbsp;OUTLET",
                "merchantCity": "JEDDHAH",
                "merchantState": "JED",
                "caseSuppressionIndicator": "Y",
                "userIndicator03": "UID03",
                "userIndicator04": "UID04",
                "userData03": "UDAT3",
                "userData04": "UDAT4",
                "userData05": "USER&nbsp;DATA&nbsp;05000000000000000000000000000X",
                "realtimeRequest": "R",
                "padResponse": "A",
                "padActionExpireDate": "20230914",
                "tokenId": "TKNID00100111",
                "cardAipStatic": "Y",
                "cardAipDynamic": "Y",
                "RESERVED_01": "",
                "cardAipVerify": "Y",
                "cardAipRisk": "Y",
                "cardAipIssuerAuthentication": "Y",
                "cardAipCombined": "Y",
                "cardDailyLimitCode": "1",
                "availableBalance": "-123456789.99",
                "availableDailyCashLimit": "-123456789.99",
                "availableDailyMerchandiseLimit": "-123456789.99",
                "atmHostMcc": "9090",
                "atmProcessingCode": "ATMP98",
                "atmCameraPresent": "Y",
                "cardPinType": "C",
                "cardMediaType": "V",
                "cvv2Present": "1",
                "cvv2Response": "M",
                "avsResponse": "A",
                "transactionCategory": "I",
                "acquirerId": "ACQID1234567",
                "acquirerCountry": "682",
                "terminalId": "TRMID12345678901",
                "terminalType": "I",
                "terminalEntryCapability": "1",
                "posConditionCode": "00",
                "networkId": "V",
                "RESERVED_02": "",
                "authExpireDateVerify": "V",
                "authSecondaryVerify": "V",
                "authBeneficiary": "D",
                "authResponseCode": "A",
                "authReversalReason": "0",
                "authCardIssuer": "B",
                "terminalVerificationResults": "TRMVERAPPR",
                "cardVerificationResults": "CRDVERAPPR",
                "cryptogramValid": "V",
                "atcCard": "71212",
                "atcHost": "80901",
                "RESERVED_03": "",
                "tokenAssuranceLevel": "99",
                "secondFactorAuthCode": "01",
                "cavvKeyIndicator": "02",
                "recurringAuthExpireDate": "20231001",
                "linkedAcctType": "K",
                "cardIncentive": "C",
                "eciIndicator": "2",
                "cardPinSetDate": "20230501",
                "processorAuthReasonCode": "PRAPR",
                "standinAdvice": "A",
                "merchantId": "MID1234567890111",
                "cardOrder": "1",
                "cashbackAmount": "123456789.11",
                "userData06": "USER&nbsp;DATA&nbsp;006",
                "userData07": "USER&nbsp;DATA&nbsp;07000000000000000000000000000X",
                "paymentInstrumentId": "PYID12345678901234567890",
                "avsRequest": "1",
                "cvrOfflinePinVerificationPerformed": "1",
                "cvrOfflinePinVerificationFailed": "0",
                "cvrPinTryLimitExceeded": "0",
                "posUnattended": "0",
                "posOffPremises": "0",
                "posCardCapture": "0",
                "posSecurity": "0",
                "authId": "ATH001",
                "userData08": "USERDATA08",
                "userData09": "USERDATA09",
                "userIndicator05": "A",
                "userIndicator06": "T",
                "userIndicator07": "UIND7",
                "userIndicator08": "UIND8",
                "modelControl1": "M",
                "modelControl2": "O",
                "modelControl3": "D",
                "modelControl4": "L",
                "RESERVED_04": "",
                "segmentId1": "SEGID1",
                "segmentId2": "SEGID2",
                "segmentId3": "SEGID3",
                "segmentId4": "SEGID4"
            }
        }
    }
}

Response Json

 
{
    "response_dbtran": {
        "header": {
            "msg_id": "1695040194",
            "msg_type": "TRANSACTION",
            "msg_function": "REP_FALCON_DBTRAN",
            "src_application": "TIBCO",
            "target_application": "FALCON",
            "timestamp": "2023-09-18T15:30:22.771+03:00",
            "tracking_id": "1695040194",
            "bank_id": "default"
        },
        "exception_details": {
            "application_name": "",
            "date_time": "2023-09-18T15:30:22.75+03:00",
            "status": "S",
            "error_code": "000",
            "error_description": "Success"
        },
        "body": {
            "tran_code": "101",
            "source": "PMAX",
            "destination": "TIBCO",
            "extended_header": "EXTENDEDHEADER120007",
            "responseRecordVersion": "4",
            "scoreCount": "00",
            "decisionCount": "0"
        }
    }
}