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iso8583

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Nazma1 edited this page Oct 15, 2016 · 7 revisions

#ISO (the International Organization for Standardization)# ,is a worldwide federation of national standards bodies (ISO member bodies).

** ISO 8583 consists of the following parts, under the general title Financial transaction card originated messages — Interchange message specifications: **

Part 1: Messages, data elements and code values. Part 2: Application and registration procedures for Institution Identification Codes (IIC). Part 3: Maintenance procedures for messages, data elements and code values.

  *** How  ISO 8583 works ***

Whenever we use credit/debit/ATM card, the data traverse from one system to another. A card-based transaction typically needs to travel between a numbers of systems. For example, a purchase made in a store may travel from the merchant terminal, through an acquirer network or networks, to the issuing bank where the cardholder's account is held. The transaction carries information about the type of transaction, the card used, the merchant, the transaction amount, security information, and so on. The response, authorizing or declining the transaction, needs to be returned via the same route to the terminal.

ISO 8583 Message Structure The ISO message consists of three major parts:-

  1. The header.
  2. Application data.
  3. The trailer. The header and trailer envelop the application data and are used for routing and message integrity. The application data consist of ISO message including Message Type Indicator (MTI), BIT MAP (indicating which data elements are present) and ISO Data Element (the fields of the message).

Field # Description 0 MTI Message Type Indicator 1 - Bitmap 64 (or 128) bits indicating presence/absence of other fields 2 - 128 Other fields as specified in bitmap

Message Type Indicator (MTI) This is a 4 digit numeric field, which classifies the high level function of the message. A Message Type Indicator includes the ISO 8583 version, the Message Class, Message Sub-class, and Transaction Originator.

Different versions of the ISO 8583 standard are indicated in the first position of the Message Type Indicator.
0xxx ISO 8583:1987 version 1xxx ISO 8583:1993 version 2xxx Reserved for ISO use 3xxx Reserved for ISO use 4xxx Reserved for ISO use 5xxx Reserved for ISO use 6xxx Reserved for ISO use 7xxx Reserved for ISO use 8xxx Reserved for national use 9xxx Reserved for private use

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