Issuer System

Overview

The issuer decides how to answer an authorization request. This system is being developed around the checks behind that decision: PIN verification, ARQC verification and limits, followed by an issuer response. The preview below uses fixed sample results.

The Issuer System will represent the card issuer at the far end of the network. It will authorize or decline requests against card and account state, verify online PINs and ARQCs, apply limits, and return 0210 responses with the right field 39 codes.

Workflow preview

From a request to an answer. Choose a scenario, then follow each step through the illustrative exchange.

ACTION   AUTHORIZE
ACCOUNT  DEMO_ACCOUNT
AMOUNT   125.00

STATE    RECEIVED
NEXT     VERIFICATION

CHECK    PIN
CHECK    ARQC

PIN      SAMPLE_PASS
ARQC     SAMPLE_PASS

AMOUNT   125.00
LIMIT    500.00

CHECK    WITHIN_LIMIT
NEXT     DECISION

CHECKS   SAMPLE_PASS
LIMIT    WITHIN_LIMIT

APPROVED
Both sample verification checks pass, and the amount remains within the illustrative limit.

ACTION   AUTHORIZE
ACCOUNT  DEMO_ACCOUNT
AMOUNT   125.00

STATE    RECEIVED
NEXT     VERIFICATION

CHECK    PIN
CHECK    ARQC

PIN      SAMPLE_FAIL
ARQC     SAMPLE_PASS

PIN      SAMPLE_FAIL
ARQC     SAMPLE_PASS

LIMIT    NOT_EVALUATED
NEXT     SAMPLE_DECLINE

CHECKS   SAMPLE_FAIL
REASON   PIN_VERIFICATION

VERIFY_FAILED
A failed sample PIN verification sends this example through the decline path.

ACTION   AUTHORIZE
ACCOUNT  DEMO_ACCOUNT
AMOUNT   625.00

STATE    RECEIVED
NEXT     VERIFICATION

CHECK    PIN
CHECK    ARQC

PIN      SAMPLE_PASS
ARQC     SAMPLE_PASS

AMOUNT   625.00
LIMIT    500.00

CHECK    LIMIT_EXCEEDED
NEXT     SAMPLE_DECLINE

CHECKS   SAMPLE_PASS
LIMIT    EXCEEDED

LIMIT_EXCEEDED
Verification passes, but the sample amount exceeds the illustrative authorization limit.

Planned capabilities

The intended scope for Issuer System. These capabilities are being developed and may evolve before release.

• Authorization decisioning against configurable card / account records
• Online PIN and ARQC (cryptogram) verification
• Balance, limit and velocity checks with stand-in rules
• Full ISO 8583 0200 → 0210 response construction
• Configurable approval / decline response-code scenarios

Where it fits

The issuer answers what the acquiring side sends. Today you can model issuer responses with the Host Simulator in Server mode; the dedicated Issuer System will add account-aware decisioning.

Development status