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1、 American National Standard for Financial Services ANS X9.58-2007 Financial transaction messages Electronic benefits transfer (EBT) Food Stamps Accredited Standards Committee X9, Incorporated Financial Industry Standards Date Approved: American National Standards Institute American National Standard
2、s, Technical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use outside X9 membership agreements is prohibited without express written permission of the Accredited Standards Committee X9, Inc. For
3、additional information please contact ASC X9, Inc., 1212 West Street, Suite 200, Annapolis, Maryland 21401. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproductio
4、n or networking permitted without license from IHS -,-,- Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted without license from IHS
5、-,-,- ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved iii Contents Page Foreword .vii Introductionviii 1 Scope1 2 Normative references1 3 Terms and definitions.2 4 Symbols (and abbreviated terms)3 4.1 Representation abbreviations3 4.2 Abbreviated terms.4 5 Message structure.4 5.1 Message compon
6、ents.4 5.1.1 Message type.4 5.1.2 Message repeats5 5.2 Message bit maps5 5.3 Data element types6 5.3.1 Primitive data elements 6 5.3.2 Constructed data elements 6 6 Data elements 6 6.1 Data element directory6 6.2 Data element rules.12 6.2.1 Amount data elements12 6.2.2 Additional data private, acqui
7、rer (bit 111).12 6.2.3 Additional response data (bit 44).13 6.2.4 Amounts, additional (bit 54).13 6.2.5 Card acceptor name/location (bit 43) 13 6.2.6 POS and ATM transactions 13 6.2.7 Original data elements (bit 90).13 6.2.8 Replacement amounts (bit 95) .14 6.2.9 Track data element (bit 35).14 6.2.1
8、0 National POS geographic data (bit 59)14 7 Message and Transactions.14 7.1 General .14 7.1.1 Mandatory and conditional data elements15 7.1.2 Message flows .15 7.1.3 Message errors15 7.1.4 Exception message flows.16 7.1.5 Transaction relationships.17 8 Message class definitions17 8.1 Pre-authorizati
9、on message.18 8.1.1 Pre-Authorization description18 8.1.2 Pre-Authorization message rules 18 8.1.3 Pre-authorization message type identifiers19 8.1.4 Pre-authorization mandatory and conditional data elements.19 Copyright American National Standards Institute Provided by IHS under license with ANSI L
10、icensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.58-2007 iv ASC X9, Inc. 2007 All rights reserved 8.1.5 Pre-authorization message flows.20 8.2 Financial Presentment message class21 8
11、.2.1 Financial Presentment description21 8.2.2 Financial Presentment message rules21 8.2.3 Financial Presentment message type identifiers.22 8.2.4 Financial Presentment mandatory and conditional data elements23 8.2.5 Financial Presentment message flows25 8.3 Reversal message class .25 8.3.1 Reversal
12、 description .25 8.3.2 Reversal message rules26 8.3.3 Reversal message type identifiers.27 8.3.4 Reversal mandatory and conditional data elements .27 8.3.5 Reversal message flows.28 8.4 Administrative message class .29 8.4.1 Error Messages description .29 8.4.2 Error Messages message rules29 8.4.3 E
13、rror Messages message type identifiers.29 8.4.4 Error Messages mandatory and conditional data elements .30 8.4.5 Error Messages message flows.30 8.5 Network management message class.30 8.5.1 Network Management description.30 8.5.2 Network Management message rules .31 8.5.3 Network Management message
14、 type identifiers 31 8.5.4 Network Management mandatory and conditional data elements.31 8.5.5 Network Management message flows.32 9 Message and Transaction matching32 9.1 General32 9.2 Message matching.32 9.3 Transaction matching .33 10 Maintenance of codes.33 10.1 Maintenance group responsibilitie
15、s 33 10.2 Applications for new code values33 Annex A (Normative) Data elements in bit number order 34 Annex B (Normative) Data element code table37 B.1 Account type codes (bit 3-2 and bit 54).37 B.2 Advice/reversal reason code (bit 60).37 B.3 Amount type codes (bit 54-1) .38 B.4 Authorization life c
16、ycle code (bit 57).39 B.5 Message type identifier codes39 B.5.1 All possible message type identifier codes39 B.5.2 Allocated message type identifier codes40 B.6 National POS condition code (bit 58) 41 B.6.1 Terminal class (bit 58-1)41 B.6.2 Presentation type (bit 58-2).41 B.6.3 Security condition (b
17、it 58-3) .42 B.6.4 Terminal type (bit 58-4) .42 B.7 Network management information codes (bit 70)42 B.8 Point of service entry mode (bit 22).43 B.8.1 Card reading method used at POS codes (bit 22-1).43 B.8.2 Cardholder verification method used at POS codes (bit 22-2) .43 B.9 Point of service PIN cap
18、ture code (bit 26).44 B.10 Processing Code (bit 3).44 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted without license from IHS -,-
19、,- ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved v B.10.1 Transaction type code (bit 3-1) 45 B.11 Response codes (bit 39).46 B.12 Additional data dataset identifier (bit 111-1).47 Annex C (informative) Implementation considerations48 C.1 General .48 C.2 Data representation.48 C.3 Use of optio
20、nal data elements48 C.4 Reversal transactions.48 C.5 Store and forward transactions .49 C.6 Data element usage.50 C.6.1 Authorization life cycle code50 C.6.2 Account type codes 50 C.6.3 Amount data elements50 C.6.4 Institution identification codes 50 C.6.5 Mandatory data elements .50 C.6.6 Additiona
21、l response data data element 51 Annex D (Informative) Conversion guideline 52 D.1 General .52 D.2 Code value differences.52 D.3 Data element differences52 D.4 Message processing differences.53 D.5 File processing differences53 Figures Figure 1 Message bit maps.5 Figure 2 Exception message flows for
22、time out Reversals.16 Figure 3 Exception message flows for late response17 Figure 4 Example transaction flows for 1xx, 2xx, 4xx transactions.17 Figure 5 Pre-authorization message flows20 Figure 6 Financial Presentment request/response message flows25 Figure 7 Financial Presentment advice/advice resp
23、onse message flows.25 Figure 8 Reversal message flows 29 Figure 9 Error Messages flows.30 Figure 10 Network Management message flows32 Figure C.1 Store and forward message flows.50 Tables Table 1 Representation abbreviations.3 Table 2 Data element directory.7 Table 3 Amounts in types of Pre-authoriz
24、ation messages18 Table 4 Pre-authorization message type identifiers.19 Table 5 Pre-authorization mandatory and conditional data elements19 Table 6 Amounts in types of Financial Presentment messages.22 Table 7 Financial Presentment message type identifiers22 Table 8 Financial Presentment mandatory an
25、d conditional data elements.23 Table 9 Financial Presentments that are not Reversals 26 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking perm
26、itted without license from IHS -,-,- ANS X9.58-2007 vi ASC X9, Inc. 2007 All rights reserved Table 10 Amounts in Reversal messages .26 Table 11 Reversal message type identifiers27 Table 12 Reversal mandatory and conditional data elements 27 Table 13 Error Messages message type identifiers .30 Table
27、14 Error messages mandatory and conditional data elements30 Table 15 Network Management message type identifiers .31 Table 16 Network Management mandatory and conditional data elements31 Table A.1 Data elements in bit number order34 Table B.1 Account type codes37 Table B.2 Advice/reversal reason cod
28、es.37 Table B.3 Amount type codes.38 Table B.4 Authorization life cycle codes.39 Table B.5 Message type identifier codes.39 Table B.6 Allocated message type identifiers.40 Table B.7 Terminal class codes41 Table B.8 Presentation type codes.41 Table B.9 Security condition codes .42 Table B.10 Terminal
29、 type codes .42 Table B.11 Network management information codes 42 Table B.12 Card reading method used at POS codes43 Table B.13 Cardholder verification method used at POS codes.43 Table B.14 Point of service PIN capture codes.44 Table B.15 Processing code values.44 Table B.16 Transaction type codes
30、45 Table B.17 Response codes46 Table B.18 Additional data dataset identifiers47 Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted wi
31、thout license from IHS -,-,- ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved vii Foreword Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by the standards developer. Consensus
32、 is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and object
33、ions be considered, and that a concerted effort be made toward their resolution. The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using p
34、roducts, processes, or procedures not conforming to the standards. The American National Standards Institute does not develop standards and will in no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretat
35、ion of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard. CAUTION NOTICE: This American National Standard may be revised or withdr
36、awn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval. Published by Accredited Standards Committee X9, Incorporated Financial Industry Standards 1212
37、West Street, Suite 200 Annapolis, MD 21401 USA X9 Online http:/www.x9.org Copyright 2007 ASC X9, Inc. All rights reserved. No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Published in the Un
38、ited States of America. Copyright American National Standards Institute Provided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.58-2007 viii ASC X9,
39、 Inc. 2007 All rights reserved Introduction NOTE The users attention is called to the possibility that compliance with this standard may require use of an invention covered by patent rights. By publication of this standard, no position is taken with respect to the validity of this claim or of any pa
40、tent rights in connection therewith. The patent holder has, however, filed a statement of willingness to grant a license under these rights on reasonable and nondiscriminatory terms and conditions to applicants desiring to obtain such a license. Details may be obtained from the standards developer.
41、Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 1212 West Street, Suite 200, Annapolis, MD 21401 USA. This Standard was processed and approved for sub
42、mittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval. The X9 committee had the following members: James Shaffer, X9 Chairman Vincent DeSantis, X9 Vice Chairm
43、an Cynthia Fuller, Managing Director Organization Represented Representative ACI Worldwide Douglas Grote ACI Worldwide Cindy Rink ACI Worldwide Jim Shaffer American Bankers Association Tom Judd American Bankers Association C. Diane Poole American Express Company John Allen American Financial Service
44、s Association Mark Zalewski Bank of America Andi Coleman Bank of America Richard Phillips Bank of America Daniel Welch Certicom Corporation Daniel Brown Citigroup, Inc. Mark Clancy Citigroup, Inc. Paul Gubiotti Citigroup, Inc. Gary Word Clarke American Checks, Inc. John McCleary CUSIP Service Bureau
45、 James Taylor Deluxe Corporation John FitzPatrick Deluxe Corporation Ralph Stolp Deluxe Corporation Mike Valiquet Diebold, Inc. Bruce Chapa Diebold, Inc. Anne Doland Discover Financial Services Peggy Burggraf Discover Financial Services Katie Howser Copyright American National Standards Institute Pr
46、ovided by IHS under license with ANSI Licensee=IHS Employees/1111111001, User=Japan, IHS Not for Resale, 12/17/2007 19:11:34 MSTNo reproduction or networking permitted without license from IHS -,-,- ANS X9.58-2007 ASC X9, Inc. 2007 All rights reserved ix Organization Represented Representative Disco
47、ver Financial Services Julie Shaw Federal Reserve Bank Darin Contini Federal Reserve Bank Jeannine M. DeLano Federal Reserve Bank Deb Hjortland Federal Reserve Bank Dexter Holt First Data Corporation Elizabeth Lynn First Data Corporation Todd Nuzum First Data Corporation Rick Van Luvender Fiserv Bud
48、 Beattie Fiserv Kevin Finn Fiserv Lori Hood Fiserv Dan Otten Fiserv Skip Smith FSTC, Financial Services Technology Consortium Christine Nautiyal FSTC, Financial Services Technology Consortium Daniel Schutzer Hewlett Packard Larry Hines Hewlett Packard Gary Lefkowitz Hypercom Scott Spiker Hypercom Gary Zempich IBM Corporation Todd Arnold Ingenico Alexandre Hellequin Ingenico John Spence Intuit, Inc. Jana Hocker J.P. Mo