Home » Messaging » Pengenalan Messaging ISO 8583

Pengenalan Messaging ISO 8583

Recent Comments

Archives

Calendar

February 2017
M T W T F S S
« Apr   Mar »
 12345
6789101112
13141516171819
20212223242526
2728  

ISO 8583

Beberapa pembeli tidak menggunakan uang tunai sebagai alat pembayaran. Alternatifnya mereka menggunakan kartu debit atau kartu kredit. Mesin EDC yang dimiliki penjual membaca kartu yang diberikan pembeli, melakukan komunikasi dengan pihak acquirer1 dan issuer2. Komunikasi antar instansi keuangan tersebut menggunakan format data yang disebut ISO 8583.

 

ISO 8583 merupakan sebuat format data yang diakui dan digunakan secara internasional guna transaksi keuangan. ISO 8583 terdiri dari tiga komponen yakni MTI, Bitmap, dan Data Elements. Contoh data dalam bentuk format ISO 8583 yakni seperti berikut,

 

02002006009A000000001234561231061311010000000050000000250000

MTI

0200

BITMAP

2006009A00000000

Data Element

1234561231061311010000000050000000250000

 

 

Message Type Identifier (MTI)

Terdiri dari empat digit yang mendeskripsikan tipe data. Keempat digit tersebut dibagi menjadi sebagai berikut

 

· Nxxx : Versi ISO 8583
· xNxx : Message Class
· xxNx : Message Function
· xxxN : Message Origin

 

Nxxx – Versi ISO 8583

· 0xxx : ISO 8583-1:1987 version
· 1xxx : ISO 8583-2:1993 version
·

·

2xxx

9xxx

: ISO 8583-1:2003 version

: Private usage

 

xNxx – Message Class

Merupakan kode yang mendeskripsikan tujuan data dikirimkan

 

x1xx Authorization message Determine if funds are available, get an approval but do

not post to account for reconciliation, Dual Message

System (DMS), awaits file exchange for posting to account

x2xx Financial message Determine if funds are available, get an approval and post directly to the account, Single Message System (SMS), no file exchange after this
x3xx File actions message Used for hot-card, TMS and other exchanges
x4xx Reversal message Reverses the action of a previous authorization
x5xx Reconciliation message Transmits settlement information message
x6xx Administrative message Transmits administrative advice. Often used for failure

messages (e.g. message reject or failure to apply)

x7xx Fee collection message
x8xx Network management

message

Used for secure key exchange, logon, echo test and other

network functions

x9xx Reserved by ISO

 

xxNx – Message Function

Merupakan kode yang mendeskripsikan tipe data (request, response, advice, atau lainnya)

 

xx0x Request
xx1x Request response
xx2x Advice
xx3x Advice response
xx4x Notification
xx8x Response acknowledgement
xx9x Negative acknowledgement

 

 

xxxN – Message Origin

Merupakan kode yang mendeskripsikan sumber pengirim data (acquirer, issuer, atau lainnya)

 

xxx0 Acquirer
xxx1 Acquirer repeat
xxx2 Issuer
xxx3 Issuer repeat
xxx4 Other
xxx5 Other repeat

 

Contoh MTI

 

Kode Arti Pemakaian
0100 Authorization request Request from a point-of-sale terminal for

authorization for a cardholder purchase

0110 Issuer response Issuer response to a point-of-sale terminal for

authorization for a cardholder purchase

0120 Authorization advice When the Point of Sale device breaks down and

you have to sign a voucher

0121 Authorization advice repeat if the advice times out
0130 Issuer response to authorization advice Confirmation of receipt of authorization advice
0200 Acquirer financial request Request for funds, typically from an ATM or

pinned point-of-sale device

0210 Issuer response to financial request Issuer response to request for funds
0220 Acquirer financial advice e.g. Checkout at a hotel. Used to complete

transaction initiated with authorization request

0221 Acquirer financial advice repeat if the advice times out
0230 Issuer response to financial advice Confirmation of receipt of financial advice

 

Kode Arti Pemakaian
0400 Acquirer reversal request Reverses a transaction
0420 Acquirer reversal advice Advises that a reversal has taken place
0421 Acquirer reversal advice repeat

message

if the reversal times out
0430 Issuer reversal response Confirmation of receipt of reversal advice
0800 Network management request Echo test, logon, log off etc.
0810 Network management response Echo test, logon, log off etc.
0820 Network management advice Keychange

 

Bitmap

Terdiri dari 8 byte data biner atau 16 karakter hexadecimal atau 64 digit biner (bit). Fungsi dari bitmap yakni sebagai penanda data element mana sajakah yang dipakai dalam data. Macam bitmap ada tiga antara lain primary bitmap, secondary bitmap, dan tertiary bitmap.

 

Primary bitmap menandakan bahwa ada data di antara data element 1 – 64 yang aktif. Secondary bitmap menandakan bahwa ada data di antara data element 65 – 128 yang aktif. Tertiary bitmap menandakan bahwa ada data di antara data element 129 – 192 yang aktif. Adanya secondary bitmap yang aktif ditandai dengan data element 1 (bit pertama) bernilai 1 atau aktif. Sedangkan aktifnya tertiary bitmap ditandai dengan data element 65 (bit ke-65) bernilai 1 atau aktif.

 

Agar dapat diketahui mana saja data element yang aktif, bitmap yang berbentuk heksadesimal harus dikonversikan ke dalam biner (bit) terlebih dahulu.

 

Desimal 0 1 2 3 4 5 6 7
Heksadesimal 0 1 2 3 4 5 6 7
Biner 0000 0001 0010 0011 0100 0101 0110 0111

 

 

Desimal 8 9 10 11 12 13 14 15
Heksadesimal 8 9 A B C D E F
Biner 1000 1001 1010 1011 1100 1101 1110 1111

 

 

Contoh Bitmap

Kita memiliki bitmap heksadesimal berupa 2006009A. Jika dikonversikan ke dalam biner akan berbentuk 0010000000000110000000001001101000000000000000000000000000000000.

 

Heksadesimal 2 0 0 6 0 0 9 A
Biner 0010 0000 0000 0110 0000 0000 1001 1010

 

 

Heksadesimal 0 0 0 0 0 0 0 0
Biner 0000 0000 0000 0000 0000 0000 0000 0000

 

 

Hal ini berarti ruas 3, 14, 15, 25, 28, 29, dan 31 pada bitmap yang berniai aktif. Bitmap aktif tesebut selanjutnya dipetakan dengan data elements.

 

 

 

Data Elements

Berisi informasi yang dimiliki oleh data dengan format ISO 8583. Cara menafsirkan data ini dengan menggunakan konversi bitmap dalam biner. Dalam urutan biner tersebut, dapat diketahui bit mana saja yang aktif. Kemudian letak bit yang aktif tersebut dipetakan dengan data element standar ISO

8583.

 

Data Element Type Usage
1 b 64 Bit Map Extended
2 n ..19 Primary account number (PAN)
3 n 6 Processing code
4 n 12 Amount, transaction
5 n 12 Amount, Settlement
6 n 12 Amount, cardholder billing
7 n 10 Transmission date & time
8 n 8 Amount, Cardholder billing fee
9 n 8 Conversion rate, Settlement
10 n 8 Conversion rate, cardholder billing
11 n 6 Systems trace audit number
12 n 6 Time, Local transaction (hhmmss)
13 n 4 Date, Local transaction (MMDD)
14 n 4 Date, Expiration
15 n 4 Date, Settlement
16 n 4 Date, conversion
17 n 4 Date, capture
18 n 4 Merchant type
19 n 3 Acquiring institution country code
20 n 3 PAN Extended, country code
21 n 3 Forwarding institution. country code
22 n 3 Point of service entry mode
23 n 3 Application PAN number
24 n 3 Function code(ISO 8583:1993)/Network International identifier (NII)
25 n 2 Point of service condition code
26 n 2 Point of service capture code
27 n 1 Authorizing identification response length
28 n 8 Amount, transaction fee
29 n 8 Amount. settlement fee
30 n 8 Amount, transaction processing fee
31 n 8 Amount, settlement processing fee
32 n ..11 Acquiring institution identification code
33 n ..11 Forwarding institution identification code
34 n ..28 Primary account number, extended
35 z ..37 Track 2 data
36 n …104 Track 3 data
37 an 12 Retrieval reference number
38 an 6 Authorization identification response
39 an 2 Response code
40 an 3 Service restriction code
41 ans 16 Card acceptor terminal identification
42 ans 15 Card acceptor identification code

 

 

 

Data Element Type Usage
43 ans 40 Card acceptor name/location
44 an ..25 Additional response data
45 an ..76 Track 1 Data
46 an …999 Additional data – ISO
47 an …999 Additional data – National
48 an …999 Additional data – Private
49 a 3 Currency code, transaction
50 an 3 Currency code, settlement
51 a 3 Currency code, cardholder billing
52 b 16 Personal Identification number data
53 b 18 Security related control information
54 an …120 Additional amounts
55 ans …999 Reserved ISO
56 ans …999 Reserved ISO
57 ans …999 Reserved National
58 ans …999 Reserved National
59 ans …999 Reserved for national use
60 an .7 Advice/reason code (private reserved)
61 ans …999 Reserved Private
62 ans …999 Reserved Private
63 ans …999 Reserved Private
64 b 16 Message authentication code (MAC)
65 b 64 Bit map, tertiary
66 n 1 Settlement code
67 n 2 Extended payment code
68 n 3 Receiving institution country code
69 n 3 Settlement institution county code
70 n 3 Network management Information code
71 n 4 Message number
72 ans …999 Data record (ISO 8583:1993)/n 4 Message number, last(?)
73 n 6 Date, Action
74 n 10 Credits, number
75 n 10 Credits, reversal number
76 n 10 Debits, number
77 n 10 Debits, reversal number
78 n 10 Transfer number
79 n 10 Transfer, reversal number
80 n 10 Inquiries number
81 n 10 Authorizations, number
82 n 12 Credits, processing fee amount
83 n 12 Credits, transaction fee amount
84 n 12 Debits, processing fee amount
85 n 12 Debits, transaction fee amount
86 n 15 Credits, amount
87 n 15 Credits, reversal amount
88 n 15 Debits, amount
89 n 15 Debits, reversal amount
90 n 42 Original data elements

 

 

8

 

 

 

Data Element Type Usage
91 an 1 File update code
92 n 2 File security code
93 n 5 Response indicator
94 an 7 Service indicator
95 an 42 Replacement amounts
96 an 8 Message security code
97 n 16 Amount, net settlement
98 ans 25 Payee
99 n ..11 Settlement institution identification code
100 n ..11 Receiving institution identification code
101 ans 17 File name
102 ans ..28 Account identification 1
103 ans ..28 Account identification 2
104 ans …100 Transaction description
105 ans …999 Reserved for ISO use
106 ans …999 Reserved for ISO use
107 ans …999 Reserved for ISO use
108 ans …999 Reserved for ISO use
109 ans …999 Reserved for ISO use
110 ans …999 Reserved for ISO use
111 ans …999 Reserved for ISO use
112 ans …999 Reserved for national use
113 n ..11 Authorizing agent institution id code
114 ans …999 Reserved for national use
115 ans …999 Reserved for national use
116 ans …999 Reserved for national use
117 ans …999 Reserved for national use
118 ans …999 Reserved for national use
119 ans …999 Reserved for national use
120 ans …999 Reserved for national use
121 ans …999 Reserved for national use
122 ans …999 Reserved for national use
123 ans …999 Reserved for national use
124 ans …255 Info Text
125 ans ..50 Network management information
126 ans .6 Issuer trace id
127 ans …999 Reserved for private use
128 b 16 Message Authentication code

 

 

Cara membaca kode di kolom type yakni sebagai berikut,

 

Type Meaning
a Alphabetic, including blanks (space)
n Numeric values only
s Special characters only
an Alphanumeric
as Alpha & special characters only
ns Numeric & special characters only

 

 

 

Type Meaning
ans Alphabetic, numeric, and special characters
b Binary data
z Tracks 2 or 3 code set as defined in ISO/IEC 7813 and ISO/IEC 4909 respectively
. / .. / … Variable field length indicator, each . indicating a digit
x / xx / xxx Fixed length of field or maximum length in the case of variable length fields

 

 

Fixed No field length used
LLVAR ( ..xx ) Where LL < 100, means two leading digits LL specify the field length of field VAR
LLLVAR ( …xxx ) Where LLL < 1000, means three leading digits LLL specify the field length of field

VAR

LL and LLL are

hex or ASCII. A VAR field can be compressed or ASCII depending of the data element type

LL can be 1 or 2 bytes. For example, if compressed as one hex byte, ’27x means

there are 27 VAR bytes to follow. If ASCII, the two bytes ’32x, ’37x mean there are 27 bytes to follow. 3 digit field length LLL uses 2 bytes with a leading ‘0’ nibble if compressed, or 3 bytes if ASCII. The format of a VAR data element depends on the data element type. If numeric it will be compressed, e.g. 87456 will be represented by 3 hex bytes ‘087456x. If ASCII then one byte for each digit or character is used, e.g. ’38x, ’37x, ’34x, ’35x, ’36x.

 

Contohnya yakni sebagai berikut,

Type Meaning Example
N4 Fixed length, 4 digit numeric 9753
N . 4 LVAR Numeric, 1 digit var . len, 4 digit data len 49753
A .. 15 LLVAR Alphanumeric, 2 digit var len, max 15

digit data len

11CONTOH-SAJA
A … 999 LLLVAR Alphanumeric, 3 digit var len, max 999

digit data len

015INI-CONTOH-JUGA

 

Jadi, cara mengartikan data element yakni sebagai berikut,

Data Element 1234561231061311010000000050000000250000
3 n 6 123456
14 n 4 1231
15 n 4 0613
25 n 2 11
28 n 8 01000000
29 n 8 00500000
31 n 8 00250000

 

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: