VIETNAM NATIONAL FINANCIAL SWITCHING JOINT-STOCK COMPANY
Banknetvn
------------o0o-----------
TECHNICAL SPECIFICATIONS
FOR
BANKNETVN SYSTEM CONNECTIVITY
(Version 1.6)
Hanoi, 14 November 2013
Vietnam National Financial Switching Joint-stock Company
HISTORY OF CHANGES
Version
Editor
Date
1.0
Reviewer
Banknetvn
Reason for changes
Hoang Anh 27/10/2006 Ngo Ngoc Errors corrected:
Dung
Dong
- The key length in
algorithm is 128 bits.
DES
-
Data type of bitmap field is bs
(binary).
-
Modification of the extraction
file: adding checksum field.
-
Amending fee and settlement
file structure.
-
Adding display screen for
Refund at POS in Appendix 1.
- Customizing display screen for
Void at POS in Appendix 1.
1.1
Hoang Anh 25/01/2007 Ngo Ngoc Dung
Dong
Specifications
on
requirements for HSM key
configuration ( key scheme)
-
Describing VOID transaction
at POS
-
Describing VOID transaction
flow
-
Customizing some fields in
the message format
-
Customizing
reconciliation
and settlement file structure
(the length of checksum filed
and the order of fields)
- Customizing the transaction
flow at ATM terminals for
Fund Transfer transaction
(due to risk)
1.2
Hoang Anh 22/03/2007 Nguyen
Dung
Cao Tuan
- Updating and correcting terms.
- Adding Processing Code value
for Void on POS.
- Translated by:
Technical Specifications for Banknetvn System Connectivity v1.6
1
Vietnam National Financial Switching Joint-stock Company
Banknetvn
+ Pham Thi Bien – Banknetvn
+ Vu Thi Thuy – Banknetvn
1.3
Hoang Anh 28/07/2008 Ngo Ngoc - Technical section: modifying,
Dung
Dong
adding and clarifying Chapter 4
– ISO 8583 financial message.
- Clearing
and
Settlement
Section: modifying Chapter 7 –
Clearing
and
Settlement
according to Banknetvn’s new
settlement procedure.
1.4
Ha
Nam 24/03/2009 Ngo Ngoc - Updating in order to support 13
Ninh
Dong
to 19 digit card number.
1.5
Doan
Manh Tien
08/11/2011 Ngo Ngoc - Adding the transaction flow at
Dong
ATM
terminal
for
the
following transactions :
o Fund transfer
o Inter-bank
transfer
fund
- Modifying and adding some
fields in message format.
- Modifying and adding some
fields in the message format.
Providing the information on
connectivity to international
institutions.
- Modifying reconciliation and
settlement
file
structure
(checksum length and field
order)
- Modifying transaction flow at
POS terminal for:
o Purchase
(VOID).
cancellation
o Refund.
o Reversals
1.6
Doan
Manh Tien
14/11/2013 Nguyen
Quang
Technical Specifications for Banknetvn System Connectivity v1.6
- Modify information of Field 48
– IBFT
2
Vietnam National Financial Switching Joint-stock Company
Minh
Banknetvn
- Adding
F108
containing
Sender’s Name and detail
information
of
IBFT
transaction.
- Adding IBFT transaction flow
in Appendix 14.
- Translated by:
Nguyen Thi Kieu Lam –
Banknetvn
Technical Specifications for Banknetvn System Connectivity v1.6
3
Vietnam National Financial Switching Joint-stock Company
VIETNAM NATIONAL
FINANCIAL SWITCHING JOINT
STOCK COMPANY
No.:
Banknetvn
THE COSIALIST REPUBLIC OF VIETNAM
Independence – Freedom - Happiness
----------o0o---------
/QĐ-HĐQT
Hanoi, 14, November 2013
THE BOARD OF DIRECTORS
VIETNAM NATIONAL FINANCIAL SWITCHING JOINT STOCK
COMPANY
(Ref.: Issuance of the Technical Specifications
for Banknetvn System Connectivity)
-
Pursuant to the Regulations on organization and operation of the Vietnam
National Financial Switching Joint Stock Company;
-
Pursuant to the Resolution of the meeting session XII of the Board of
Directors of the Vietnam National Financial Switching Joint Stock
Company dated 24 October 2006;
-
Pursuant to the Statement No. ……….. dated 14 November 2013 by the
General Director of the Vietnam National Financial Switching Joint Stock
Company;
DECIDE
Clause 1. Publish the Technical Specifications for Banknetvn System Connectivity
Version 1.6;
Clause 2. This decision takes effect as of the date of signing;
Clause 3. Participants of Banknetvn Switching System, members of the Board of
Directors, Head of the Board of Supervisors, Board of Managers and relevant
departments of the Vietnam National Financial Switching Joint Stock Company
take the responsibility for execution of this decision.
Recipient:
-
FOR AND ON BEHALF OF
As stated in Clause 3
VIETNAM NATIONAL FINANCIAL
SWITCHING JSC
Archived at the Administrative
Department, Secretariat to the
CHAIRMAN
BOD
Nguyen Van Xuan
Technical Specifications for Banknetvn System Connectivity v1.6
4
Vietnam National Financial Switching Joint-stock Company
Banknetvn
MỤC LỤC
Part I - FOREWORDS..................................................................................................... 7
Part II – GENERAL REGULATIONS .......................................................................... 8
Applicable Subjects ......................................................................................................... 8
Contents ........................................................................................................................... 8
Applicable scope.............................................................................................................. 8
Part III TECHNICAL SPECIFICATIONS ................................................................... 9
CHAPTER 1: STANDARD MESSAGE FORMAT ....................................................... 9
1. Message format................................................................................................... 9
2. Message structure ............................................................................................... 9
3. Original message identifier information ........................................................... 16
CHAPTER 2: SUPPORTED TRANSACTION SET .................................................... 18
1. Transactions on ATM ....................................................................................... 18
2. POS transactions ............................................................................................... 39
3. Transactions on other channels......................................................................... 46
4. Network management message ........................................................................ 48
5. 0420/0430 reversal message and 0220/0230 financial message ...................... 49
CHAPTER 3 : STANDARD MESSAGE FORMAT .................................................... 51
1. Abbreviation ..................................................................................................... 51
2. ATM Transaction ............................................................................................. 51
3. POS Transaction ............................................................................................... 74
4. Networks Message ............................................................................................ 85
CHAPTER 4: DATA ELEMENTS ............................................................................... 87
1. The data elements include: ............................................................................... 87
2. Description of data elements ............................................................................ 91
CHAPTER 5: TECHNICAL REQUIREMENTS ....................................................... 111
1. Multi-port Connection .................................................................................... 111
2. MAC -Message Authentication Code............................................................. 111
3. Settlement date ............................................................................................... 113
4. Time out .......................................................................................................... 114
5. Response code and Reversal code .................................................................. 115
6. BIN update file format .................................................................................... 116
CHAPTER 6: CLEARING AND SETTLEMENT ..................................................... 118
1. Definition ........................................................................................................ 118
2. Transaction process ........................................................................................ 119
3. Sample clearing and settlement file ................................................................ 120
4. Specifications of DLL on checksum value generation and verification ......... 136
Part IV – EXECUTION PROVISION ....................................................................... 138
Part V APPENDIXES .................................................................................................. 139
Appendix 1: ISO 7810 ................................................................................................. 139
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Appendix 2: ISO 7811 ................................................................................................. 142
Appendix 3: ISO 7811-2 and ISO 7811-6 ................................................................... 143
Appendix 4: ISO 7812 ................................................................................................. 144
Appendix 5: ISO 7813 ................................................................................................. 147
Appendix 6: ISO 3166 ................................................................................................. 148
Appendix 7: ISO 9564 ................................................................................................. 149
Appendix 8: ISO 13491 ............................................................................................... 150
Appendix 9: ISO 11568 ............................................................................................... 151
Appendix 10: SPECIFICATIONS OF MAGNETIC CARD AND CARD READING
DEVICES .................................................................................................................... 152
Appendix 11: SPECIFICATIONS ON BIN ASSIGNMENT OF BANKS ................ 162
Appendix 12: PIN ENCRYPTION AND KEY MANAGEMENT ............................. 164
Appendix 13: CARD ACCEPTOR TERMINALS ..................................................... 174
Appendix 14: Description of IBFT Transaction as Displayed on ATM ..................... 175
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Part I - FOREWORDS
Technical Specifications for Banknetvn Switching System Connectivity Version
1.0 issued in Oct 2006 (hereinafter called Technical Specifications) is a document
defining technical specifications for establishing connection to the switching
system of Vietnam National Financial Switching Join-Stock Company
(Banknetvn).
This document was prepared by Banknetvn, agreed by shareholder member banks
of Banknetvn and approved by the Board of Directors of the Company on 23
October 2006.
 In the process of implementing the connection between Banknetvn and
member banks, this Technical Specifications have been supplemented,
clarified and upgraded to version 1.1 (dated 25 Jan 2007) to meet the
practice requirements. This upgraded version 1.1 of the Technical
Specifications was approved by Banknetvn’s Board of Directors on 26
January 2007.
 To help the member banks in their need of having an exact English version
of Technical Specifications, this document was reviewed by Banknetvn, its
expression in Vietnamese was corrected, translated into English and edited
to become version 1.2 before submitted for the approval of the Board of
Directors on 22 March 2007.
 In order to meet the requirements of connecting to other institutions namely
as Smartlink, Banknetvn's Technical specifications has been updated to
version 1.3 on 28/07/2009
 Implementing the connection to national financial switching centers of
foreign countries such as CUP, Banknetvn tends to update and upgrade
Technical specifications to version 1.4
 For the upgrading and extending the services on Switching System, The
Technical Specifications for Banknetvn Switching System Connectivity has
been modified and update to Version 1.5.
 To improve the quality for IBFT service via Switch, the Technical
Specifications for Banknetvn Switching System Connectivity has been
modified and updated to Version 1.6.
This document is the foundation for banks to customize their systems in
compliance with Banknetvn switching system, and became effective since the
approval date of its promulgation and applied to all members joining Banknetvn
switching system.
Depending on business needs of Banknetvn and its member banks, the document
should be modified and amended accordingly.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Part II – GENERAL REGULATIONS
Applicable Subjects
This Technical Specifications is applicable members joining Banknetvn
switching system, including: member banks, local and international switching
companies, card alliances and institutions
Contents
This document focuses on describing technical specifications for the
switching system, including:
 Standard message format
 Transactions supported on ATM, POS and other channels
 Message format
 Data elements
 MAC – Message Authentication Code
 Multi-port Connection
 Settlement Date
 BIN update list
 Settlemetn and reconcilication
Applicable scope
The unification of the technical specifications aims at enabling cardholders
using debit cards of a member bank to perform the following online transactions at
card acceptor terminals of other member banks, including:
On ATM:
o Balance Inquiry
o Cash Withdrawal
o Fast Cash
o Intrabank Fund Transfer
o Interbank Fund Transfer
o Mini Statement
o PIN Change
On POS:
o Purchase/Sale
o Balance Inquiry
o Purchase Cancellation
o Void-debit
o Refund
On other channels:
o Interbank Fund Transfer on the Internet
In case of an error financial transaction, the system will generate a reversal
or partial reversal message to recover the error.
For Mini Statement, ATM will print out in maximum 10 latest transactions
in the receipt.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Part III TECHNICAL SPECIFICATIONS
CHAPTER 1: STANDARD MESSAGE FORMAT
1. Message format
Message formats comply with ISO 8583 - 1987.
Banknetvn support ASCII for Host - to – Host interface.
2. Message structure
Each message consists of data fields which are arranged in the following
sequence: header, message type identifier (MTI), 1, 2 or 3Bitmapsand a
sequence of fields in the data elements table which is specified inthe Bitmaps.
The order of these data fields is shown in the diagram below.
Header
MTI
Bitmaps
Data Elements
2.1. Header Information
Including 4 bytes of ASCII characters which is used to indicate the length of
message, this length does not include the header.
Example:
If a message is 128 bytes in length, the segment “0128” will be attached to the
header of message. So, the actual length of the sent data is 132 bytes.
2.2. Message Type Identifier
First field of each message consists of 4 numeric characters which are used to
identify the message version number, message class, message function and finally
the transaction originator. All messages start with MTI field.
- First position: Version Number
0 – ISO 8583-1987
1 – ISO 8583-1993
2-7 – Reserved for ISO use.
8 – Reserved for national use.
9 – Reserved for bank’s private use.
- Second position: Message Class
0 – Reserved for ISO use
1 – Authorization
2 – Financial
3 – File action
4 – Reversal/chargeback
5 – Reconciliation
6 – Administrative
7 – Fee collection
8 – Network management
9 – Reserved for ISO use
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
- Third Position: Message Function
0 – request
1 – Request response
2 – Advice
3 – Advice response
4 – Notification
5÷9 – Reserved for ISO use
- Fourth Position: Transaction Originator
0 – Acquirer
1 – Acquirer repeat
2 – Card issuer
3 – Card issuer repeat
4 – Other
5 – Other repeat
6÷9 – Reserved for ISO use
Note: Whenever a repeat message is identified, that repeat message shall be
identical to its original message with the exception of the message type identifier
(MTI) and some other information fields such as date and time, transmission and
the message authentication code date elements.
Financial message classes are:
- Authorization message– 01xx
The message class 01xx is used for authorization request in credit card
transactions. Most of requests from POS are converted to 01xx messages by
switch.
This class includes the following messages:
o 0100 Authorization request;
o 0110 Authorization request response;
o 0120 Authorization advice message;
o 0130 Authorization advice response.
- Financial message – 02xx
This message class is used for financial transactions. Financial transactions are
transactions that the customer account is deducted immediately when the
transaction is processed. Therefore, 02xx message class is used for debit
transactions.
Messages including:
o 0200 Financial transaction request;
o 0210 Financial transaction request response;
o 0220 Financial transaction advice;
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
o 0230 Financial transaction advice response.
Standard 02xx financial messages consist of one request message and one
response message. Typical financial messages include: cash withdrawal, balance
inquiry, funds transfer, etc.
- File action message – 03xx
A file action message shall be used to add, change, delete or replace a file or
record. File action message may be used to inquire into a file or perform card
administration (e.g., report lost or stolen cards). The date record date element (the
120th date element) shall be used to convey specific file action record or file
information when the message is sent.
The file action message includes:
o 0302 Card issuer file update request;
o 0312 Card issuer file update request response.
File service message is used by the Issuer to update or inquire Banknetvn’s files.
A separate 0302 message is required for each update. Banknetvn switch answers
with a 0312 response message.
Online file service responses indicate whether a file service request is executed or
not. File inquiry response contains information of records of requested files.
- Reversal message – 04xx
Reversal message shall be used to partially or completely nullify the effects of a
previous financial (02xx) or authorization (01xx) transaction. Reversal message
class shall be initiated by an Acquirer and may also be used during the
representment or chargeback process.
The reversal message class includes the following types of message.
o 0420 Reversal request;
o 0421 Reversal request repeat;
o 0430 Reversal request response.
A reversal message can also be generated by an Acquirer to inform Banknetvn and
the Issuer of error status of a previous financial transaction. Errors including:

An authorized transaction is cancelled at ATM/POS.

Acquirer does not receive response for financial request.

Acquirer cannot send approval response to ATM/POS.

Acquirer does not receive completion response from ATM/POS.
- Chargeback message – 04xx
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
A chargeback message shall be used to partially or completely nullify a previous
financial transaction (02xx). A chargeback message shall only be initiated by the
Issuer.
o 0422 Chargeback advice;
o 0423 Chargeback advice repeat;
o 0432 Chargeback advice response;
- Reconciliation message – 05xx
A reconciliation message provides financial totals between one Acquirer and an
Issuer. There are two types of reconciliation: automatic reconciliation and
reconciliation on demand:
o Automatic reconciliation: Banknetvn generates 0520 total reconciliation
messages and distributes them to all participating members.
o Reconciliation on demand: Banknetvn responses with a 0810 message to a
request from member (0800) about reconciliation data. Banknetvn sends
reconciliation data in a total reconciliation message (0500). Members are
required to answer with a 0510 message for confirmation.
- Administrative message– 06xx
Administrative messages shall be used when two institutions have identified a
need for the exchange of information. (E.g. retrieval requests).
An administrative message is also used in cardholder identification alert.
Banknetvn uses this message to inform the Issuer of accounts that are possibly
subject to fraud attacks.
A fraud advice message is sent by Issuers and Acquirers to announce the
confirmed frauds. During the End-Of-Day processing, this message is forwarded
by Banknetvn to the Fraud Report System.
- Fee collection message – 07xx
Fee collection messages shall be used to collect or disburse miscellaneous service
fees. Fee collection messages may be in either direction: Acquirer to Issuer or
Issuer to Acquirer.
- Network management message – 08xx
Network management messages shall be used to control the system security level
and operating conditions of the interchange network. A network management
message may be initiated when a change in the network environment occurs. This
class of message is also used for security aspects of the interchange system.
Messages for checking the connection or key exchange include:
o 0800 Network request.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
o 0810 Network request response.
Network management messages are used by members to communicate with
Banknetvn and vice versa for the following issues:
o System sign on and sign off
o Key management (dynamic key exchange)
Network management messages can be either generated by Banknetvn’s members
or by Banknetvn. Banknetvn’s members must be able to generate network
management messages and respond to Banknetvn originated messages.
Message types supported by Banknetvn system include:
Message Class: Financial Transaction
Message Type
Transaction Type
0200
Financial Transaction Request.
0210
Financial Transaction Request Response.
0220
Financial Advice Transaction.
0230
Financial Advice Transaction Response.
Message Class: Reversal
Message Type
Transaction Type
0420
Reversal Request.
0430
Reversal Request Response.
Message Class: Network Management
Message Type
Transaction Type
0800
Network Request.
0810
Network Request Response.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
2.3.
Banknetvn
Processing Code:
Transaction Type
Message
Type
Balance Inquiry
0200/0210 30xx00
Cash Withdrawal
0200/0210 01xx00
Mini-statement
0200/0210 35xx00
Processing Code
IBFT PIN verification (To Issuer
0200/0210 920000
Bank)
IBFT Inquiry (To Beneficiary Bank) 0200/0210 390000
IBFT Inquiry (To Issuer/Beneficiary
0200/0210 390010
Bank) with PIN verify
40xx00 (Scenario 1)
IBFT Payment
0200/0210 41xx00 (Scenario 2)
42xx00 (Scenario 3)
48xx00 (Scenario 4)
42xx00 (Scenario 3)
IBFT Deposit Advice
0220/0230
Purchase
0200/0210 00xx00
Purchase Cancellation (VOID)
0200/0210 02xx00
Purchase Cancellation Reversal
0420/0430 02xx00
VOID - Debit
Refund
0420/0430 00xx00
0220/0230 20xx00
PIN Change
0200/0210 940000
48xx00 (Scenario 4)
Transaction Type
Message Type
Network
Code
Sign on
0800/0810
001
Sign off
0800/0810
002
Key Exchange
0800/0810
161
Echo test
0800/0810
301
Valid value of xx:
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
00: Default Account
10: Saving Account
20: Current Account (Checking Account)
2.4. Bitmaps
The second element of a message is bitmap. A bitmap is a series of 64 bits,
denoted by [0,1]. In the series, “1” indicates the presence of respective data field
and “0” indicates the absence of respective data field (data element). A message
must contain the primary Bitmap (secondary or additional bitmaps can be
extended). In order to reduce the message size for transmission, the 64 character
series (binary) is usually converted to hexadecimal series of 16 characters. At the
processing point, the system will convert 16 character messages to 64 characters
[0,1] in order to read the next data elements of the message. After converting the
hexadecimal series to Binary series, if the first Binary digit has value “0”, it means
Secondary Bitmap is absent while value “1” implies that it is present.
Only primary bitmap
Data elements
0
Bit
position
0
64
Primary bitmap and secondary bitmap
1
Bit
01
position
Data elements
0
64 65
128
Example of the Primary Bit map:
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
2.5. Data elements
The third component of message and its data content is made up of series of data
elements.
Messages are constructed using Bitmaps to index the data elements (as mentioned
above, if the bit corresponding with a data element is 1, this data element is
present in the data elements of that message).
Almost all of data elements are of fixed length. The actual length of any given
variable length data elements is provided in its fixed length prefix.
(Refer to Chapter 4 “Data Elements” for more details)
3. Original message identifier information
3.1.
Identifying request and response message
Data elements to identify request and response message:
No.
DATA ELEMENT
1
DE-2 (PAN)
2
DE-3 (Processing Code)
3
DE-11 (Trace Number)
4
DE-12 (Local Transaction Time)
5
DE-13 (Local Transaction Date)
6
DE-32 (Acquirering Instution)
7
DE-41 (Card Acceptor Terminal Identification)
3.2. Identifying the original message of 0420/0421/0430 reversal message
types and 0220/0230 message classes.
When processing 0420/0430 (reversal) or 0220/0230 (financial advice)
transactions, Banknetvn uses two conditions, named DK1 and DK2, for
determining the original transaction (0100/0110 or 0200/0210 transaction).
The procedure to search for the original transaction is as follows:
-
Step 1: conduct the search according to DK1 condition, and if the
original transaction is located, the search procedure terminates
Step 2: conduct the search according to DK2 condition
DATA ELEMENT
No
1
Pan - DE2
DK1
Technical Specifications for Banknetvn System Connectivity v1.6
DK2
Pan - DE2
16
Vietnam National Financial Switching Joint-stock Company
Banknetvn
2
Pcode - DE3
Pcode - DE3
3
Original Trace in DE90
Original Trace IN DE90
4
Original Transmission Time in DE90
Local_Time - DE12
5
Original Transmission Date in DE90
Local_Date - DE13
6
Acquirer - DE32
Acquirer - DE32
7
TermID - DE41
TermID - DE41
8
Msgtype in [0100,0110] or
[0200,0210]
Msgtype in [0100,0110] or
[0200,0210]
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
CHAPTER 2: SUPPORTED TRANSACTION SET
1. Transactions on ATM
o Cash Withdrawal
o Balance Inquiry
o Mini-statement
o Pin Change
o Intrabank Fund Transfer
o Interbank Funds Transfer
1.1. Cash Withdrawal
a. Normal transaction
(2) Cash
Withdrawal
0200/01xx00
(1) Cash
Withdrawal
0200/01xx00
Request
ATM
ACQ
Response
BNV
(4) Cash
Withdrawal
0210/01xx00
ISS
(3) Cash
Withdrawal
0210/01xx00
Transaction flow:
Step
Transaction Flow
1
Cardholder insert card & enter PIN
2
Select Cash Withdrawal on ATM screen
3
ATM send cash withdrawal request message to ACQ.
4
ACQ send cash withdrawal request message to
Banknetvn (Pcode 01xx00).
5
Banknetvn forward the message to ISS.
6
ISS process and response to Banknetvn.
7
Banknetvn forward the response to ACQ.
8
ACQ send response message to ATM.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
b. Exception handling
1) ACQ originated reversal on Approved 0210
(3) Reversal
Advice
0420
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
ISS
(4) Reversal Advice
Response
0430
0430
Transaction flow:
Step
Transaction Flow
1
ATM/ACQ initiate 0420 Reversal advice to Banknetvn.
2
Banknetvn send 0430 reversal advice response with
rc=00 to ACQ.
3
Banknetvn send the 0420 revesal advice to ISS.
4
ISS send 0430 reversal advice response with rc =00 to
Banknetvn.
2) ACQ originated reversal on rejected 0210
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
0430
Transaction flow:
Step
Transaction Flow
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
1
ATM/ACQ initiate 0420 reversal advice to Banknetvn.
2
Banknetvn send the 0430 reversal advice response with
rc =00 to ACQ.
3
In this case, 0420 reversal request is not sent to ISS.
3) ISS time out and late response
(1) Cash
Withdrawal
0200
Request
ATM
ACQ
Response
(2) Cash
Withdrawal
0200
(4) Cash
Withdrawal
0210
RC = 08
BNV
X
(3) Cash
Withdrawal
0210
ISS
(5) Reversal
Advice
0420
(6) Reversal
Advice Response
0430
Transaction flow:
Step
Transaction Flow
1
ATM initiates cash withdrawal to ACQ.
2
ACQ send 0200 cash withdrawal to Banknetvn.
3
Banknetvn forward 0200 cash withdrawal to ISS.
4
After time out period expires and Banknetvn receive no
response from ISSS, Banketvn will generate a time out
response with rc=08 to ACQ
5
The 0420 reversal advice will be sent to ISS.
6
ISS send 0430 reversal advice response with rc=00 to
Banknetvn.
7
After time out period expires and Banknetvn receive
2010 response with rc=00 from ISS, this transaction will
be considered late response and discarded by Banknetvn.
Banknetvn do not send to ACQ.
8
If ACQ receive timeout response with rc=08, they do not
send 0420 reversal advice to Banknetvn.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
1.2. Balance Inquiry
a. Normal transactions
(2) Balance
Inquiry
0200/30xx00
(1) Balance
Inquiry
0200/30xx00
Request
ATM
ACQ
Response
BNV
(4) Balance
Inquiry
0210/30xx00
ISS
(3) Balance
Inquiry
0210/30xx00
Transaction flow:
Step
Transaction Flow
1
Cardholder insert card & enter PIN
2
Select Balance Inquiry on ATM screen
3
ATM send Balance inquiry request to ACQ.
4
ACQ send Balance inquiry request message to
Banknetvn (Pcode 30xx00).
5
Banknetvn forward the message to ISS.
6
ISS process and response to Banknetvn.
7
Banknetvn forward the response to ACQ.
8
ACQ send response message to ATM.
b. Exception handling
1) ACQ originated reversal on approved 0210
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(3) Reversal
Advice
0420
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
ISS
(4) Reversal Advice
Response
0430
0430
Transaction flow:
Step
Transaction Flow
1
ATM/ACQ initiate 0420 reversal advice to Banknetvn.
2
Banknetvn send 0430 reversal advice response with
rc=00 to ACQ.
3
Banknetvn send the 0420 reversal advice to ISS.
4
ISS send 0430 reversal advice response with rc =00 to
Banknetvn.
2) ACQ originated reversal on rejected 0210
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
0430
Transaction flow:
Step
Transaction Flow
1
ATM/ACQ initiate 0420 reversal advice to Banknetvn.
2
Banknetvn send 0430 reversal advice response with
rc=00 to ACQ.
3
In this case, 0420 reversal advice is not sent to ISS.
3) ISS time out/Late response
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(1) Balance
Inquiry
0200
Request
ATM
ACQ
Response
(2) Balance
Inquiry
0200
(4) Balance
Inquiry
0210
BNV
RC = 08
X
(3) Balance
Inquiry
0210
ISS
(5) Reversal
Advice
0420
(6) Reversal
Advice Response
0430
Transaction flow:
Step
Transaction Flow
1
ATM initiates Balance inquiry to ACQ.
2
ACQ send 0200 balance inquiry to Banknetvn.
3
Banknetvn forward 0200 balance inquiry to ISS
4
After time out period expires and Banknetvn receive no
response from ISS, Banknetvn will send time out
response with rc=08 to ACQ
5
0420 reversal will be sent to ISS.
6
ISS send 0430 reversal advice response with rc=00 to
Banknetvn.
7
After time out period expires and Banknetvn receive
2010 response with rc=00 from ISS, this transaction will
be considered late response and discarded by Banknetvn.
Banknetvn do not send to ACQ.
8
If ACQ receive timeout response with rc=08, they do not
send 0420 reversal advice to Banknetvn.
1.3. Mini-statement
Normal transactions
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(2) Ministatement
0200/35xx00
(1) Ministatement
0200/35xx00
Request
ATM
ACQ
Response
BNV
(4) Ministatement
0210/35xx00
ISS
(3) Ministatement
0210/35xx00
Transaction flow:
Step
Transaction Flow
1
Cardholder insert card & enter PIN
2
Select mini statement on ATM screen
3
ATM send mini statement request to ACQ.
4
ACQ send mini statement request message to Banknetvn
(Pcode 30xx00).
5
Banknetvn forward the message to ISS.
6
ISS process and response to Banknetvn.
7
Banknetvn forward the response to ACQ.
8
ACQ send response message to ATM.
a. Exception handling
1) ACQ originated reversal on approved 0210
(3) Reversal
Advice
0420
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
0430
ISS
(4) Reversal Advice
Response
0430
Transaction flow
Step
1
Transaction Flow
ATM/ACQ initiate 0420 reversal advice to Banknetvn.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
2
Banknetvn send 0430 reversal advice response with
rc=00 to ACQ.
3
Banknetvn send the 0420 reversal advice to ISS.
4
ISS send 0430 reversal advice response with rc =00 to
Banknetvn.
2) ACQ originated reversal on rejected 0210
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
0430
Transaction flow:
Step
Transaction Flow
1
ATM/ACQ initiate 0420 reversal advice to Banknetvn.
2
Banknetvn send 0430 reversal advice response with
rc=00 to ACQ.
3
In this case, 0420 reversal advice is not sent to ISS.
3) ISS time out/Late response
(1) Ministatement
0200
Request
ATM
ACQ
Response
(2) Ministatement
0200
(4) Ministatement
0210
RC = 08
BNV
X
(3) Ministatement
0210
ISS
(5) Reversal
Advice
0420
(6) Reversal
Advice Response
0430
Transaction flow:
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Step
Transaction Flow
1
ATM initiates mini statement to ACQ.
2
ACQ send 0200 mini statement to Banknetvn.
3
Banknetvn forward 0200 mini statement to ISS
4
After time out period expires and Banknetvn receive no
response from ISS, Banknetvn will send time out
response with rc=08 to ACQ
5
0420 reversal will be sent to ISS.
6
ISS send 0430 reversal advice response with rc=00 to
Banknetvn.
7
After time out period expires and Banknetvn receive
2010 response with rc=00 from ISS, this transaction will
be considered late response and discarded by Banknetvn.
Banknetvn do not send to ACQ.
8
If ACQ receive timeout response with rc=08, they do not
send 0420 reversal advice to Banknetvn.
1.4. PIN Change
Support the cardholders to change their PIN on ATM of another bank.
0200 request message is initiated and sent to Banknetvn by member bank.
Basing on the card range, Banknetvn will forward the message to the Issuing
bank.
The Issuing bank verify and send a response/0210 to the acquiring bank via
Banknetvn.
In some cases, the transaction is not successful but the PIN has been
changed. Therefore, the cardholder should be notified to check their PIN
after the transaction.
This transaction is reversible, if ACQ send reversal to Banknetvn, Banknetvn
will reject with response code <>0.
- New PIN value is stored in DE48.
- Old PIN value is stored in DE52.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
(2) PIN
Change
0200/940000
(1) PIN
Change
0200/940000
Request
ATM
Banknetvn
ACQ
BNV
Response
(4) PIN
Change
0210/940000
PIN Encryption under ACQ ZPK
ISS
(3) PIN
Change
0210/940000
PIN Encryption under ISS ZPK
Transaction flow:
Step
Transaction Flow
1
Cardholder insert card & enter PIN
2
Cardholder select PIN change function from ATM
selection screen
3
i. ATM screen prompt cardholder to enter old PIN
Cardholder then enter his old PIN and press Enter
ii. ATM screen prompt cardholder to enter new PIN
Cardholder then enter his new PIN & press Enter
iii. ATM screen prompt cardholder to re-enter new PIN
to confirm
Cardholder then enter his new PIN for confirmation
iv. ATM will then check to ensure that the new PINs
entered twice are matched.
Else, prompt ATM prompt the cardholder to re-enter the
new PIN again.
3
ATM initiates a PIN Change Request message to ACQ.
4
ACQ send PIN change request to Banknetvn (Pcode
940000).
5
Banketvn perform PIN block translation of Old Pin
Block and New PIN Block to encryption under ISS ZPK
and then forward the message to ISS.
6
ISS verify Old PIN before effecting the New PIN and
send the response to ACQ.
7
Banknetvn forward the response to ACQ.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
8
ACQ send the response to ATM.
9
This transaction is not reversible. In case of issuer time
out, the ATM should display a generic message to let the
customer knows his/her PIN may or may not have
changed.
“The PIN change may not be successful, please check
again”
1.5. Interbank Funds Transfer – IBFT
IBFT is inter bank fund transfer, debit and credit is done real-time (the fund
is transferred from one account to another account in real time), on debit
cards.
- MAC is mandatory for IBFT.
- The checking of minimum and maximum IBFT transaction amount will
be done at Issuer Bank host and Banknetvn.
- The beneficiary account can be PAN (ATM/debit card number) or bank
account number
- The recognition of a given number as a card number or an account one is
done at the beneficiary bank
 IBFT transaction flow includes:
- Verify PIN/ 0200/0210
- Beneficiary Account Inquiry / 0200/0210
- Fund Transfer / 0200/0210 and 0220/0230
Currently, on Banknetvn system, Verify PIN, Beneficiary Account Inquiry
and Fund Transfer is done separately. Bank’s ATM and Switch must be
configured to ensure the IBFT’s transaction flow is as follows:
 Transaction flow - IBFT
IBFT is done if Verify PIN and Beneficiary Account Inquiry are successful.
IBFT is not successful in the following cases:
+ Verify PIN is not successful
+ The cardholder performs CANCEL on the screen of Beneficiary Account
Inquiry transaction.
+ Beneficiary Account Inquiry is not successful such as: Beneficiary
Account Inquiry is rejected, invalid account, inactive account, time out, …
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
 4 basic IBFT scenarios as described below:
Scenario 1: INTRAbank fund transfer.
Acquirer <> Beneficiary = Issuer
Scenario 2: Interbank fund transfer at Beneficiary bank’s ATM
Acquirer = Beneficiary <> Issuer
Scenario 3: Interbank fund transfer at Customer bank’s ATM.
Acquirer = Issuer <> Beneficiary
Scenario 4: Interbank fund transfer at other bank’s ATM.
Acquirer <> Beneficiary <> Issuer
 Main elements of interbank fund transfer message
Issuer bank –DE2: Issuer bank is identified by bitmap DE2- PAN in the
message.
Processing Code – DE3: Processing Code is identified by bitmap DE3- in
the message.
Acquirer bank -DE32: Acquirer bank is identified by bitmap DE32 in the
message.
Beneficiary bank-DE100: Beneficiary bank is identified by bitmap DE100
in the mesage.
Beneficiary Account /PAN- DE103: Account Identification (To Account) is
identified by bitmap DE103 in the message.
Amount: Transaction Amount is identified by bitmap DE4 in the message.
 Processing Code:
Transaction Type
Message Type
IBFT Inquiry (To Beneficiary Bank) 0200/0210
IBFT Inquiry (To Issuer/Beneficiary
0200/0210
Bank) with PIN Verify
IBFT Payment
PIN Verification (To Issuer Bank)
IBFT Deposit Advice
Processing Code
390000
390010
40xx00 (Scenario 1)
41xx00 (Scenario 2)
200/210,420/430
42xx00 (Scenario 3)
48xx00 (Scenario 4)
0200/0210
920000
42xx00 (Scenario 3)
0220/0230
48xx00 (Scenario 4)
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Valid value of xx:
* 00 : Default account
* 10 : Savings account
* 20 : Current account (Checking Account)
 IBFT transactions are divided into 3 types according to the roles of
the banks.
+ IBFT Payment: IBFT payment is between ACQ and Banknetvn.
+ IBFT Withdrawal: IBFT withdrawal is between Banknetvn and ISS.
+ IBFT Deposit: IBFT Deposit is between Banknetvn and Beneficiary
bank.
 Detailed IBFT scenario
1) Scenario 1: Intrabank fund transfer
Acquirer <> Beneficiary = Issuer
Fund transfer between 2 accounts of the same bank on ATM.
Banknetvn is currently support this scenario. This version will include
Beneficiary Account Inquiry before performing fund transfer.
(2) IBFT Inqy
(1) IBFT Inqy
200/390010
200/390010
200/390010
ATM
210/390010
ACQ
ISS/
Bnb
BNV
(3) IBFT Inqy
(4) IBFT Inqy
210/390010
210/390010
Figure 1: IBFT Inquiry (with PIN Verify)
(2) IBFT Payment
200/40xx00
(1) IBFT Payment
200/40xx00
200/40xx00
ACQ
ATM
210/40xx00
ISS/
Bnb
BNV
210/40xx00
210/40xx00
(4) IBFT Payment
(3) IBFT Payment
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Figure 2: IBFT Payment
Transaction flow:
Step
1
2
3
4
5
6
7
Transaction Flow
Cardholder insert card & enter PIN
Select IBFT (Intra Bank Transfer) on ATM screen
Select Acct Type (Default, Saving, Current)
Cardholder select Beneficiary Bank
Enter Beneficiary Acct / PAN number
Enter IBFT amount
i) ACQ bank send IBFT Inquiry (with PIN Verify) to
BNV
See Figure 1 below
ii) ATM display: Beneficiary Account /PAN holder
name,
Beneficiary Acct /PAN number,
Beneficiary Bank name,
IBFT Amount.
Cardholder confirm IBFT
ACQ bank send IBFT payment transaction (PCode
40xx00) to Banknetvn.
Banknetvn will send IBFT payment transaction to
ISS/Bnb (IBFT Withdrawal & IBFT Deposit will be handled at
ISS/Bnb)
See Figure 2 below
Notice: For backward compatibility with the technical specification version
1.4, when receiving a request message with pcode 390010, Banknetvn will
actively send back a response message without forwarding the message to the
beneficiary bank for inquiry of account information. This temporary regulation
is applicable until banks have adopted the technical specification version 1.5 ,
version 1.6 .
2) Scenario 2: Interbank Fund Transfer at Beneficiary bank’s ATM
Acquirer = Beneficiary <> Issuer
Interbank Fund transfer on ATM of the beneficiary bank.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(2) PIN Verify
200/920000
(1) PIN Verify
200/920000
200/920000
ATM
210/920000
ACQ/
Bnb
BNV
210/920000
ISS
210/920000
(4) PIN Verify
(3) PIN Verify
Figure 3: PIN Verify
(2) IBFT Withdrawal
(1) IBFT Payment
200/41xx00
200/41xx00
200/41xx00
ACQ/
Bnb
ATM
210/41xx00
ISS
BNV
210/41xx00
(4) IBFT Payment
210/41xx00
(3) IBFT Withdrawal
Figure 4: IBFT Payment
Transaction flow:
Step
1
2
3
4
5
6
7
Transaction Flow
Cardholder insert card & enter PIN
Select IBFT on ATM screen
ACQ/Bnb send PIN Verify (Pcode: 920000) to BNV
See Figure 3 below
Select Acct Type (Default, Saving, Current)
i) Cardholder select Beneficiary Bank
Enter Beneficiary Acct /PAN number
Enter IBFT amount
ii) ACQ/BNB bank perform IBFT Inquiry (on-us)
iii) ATM display: Beneficiary Account /PAN holder
name,
Beneficiary Acct /PAN number,
Beneficiary Bank name,
IBFT Amount.
Cardholder confirm IBFT
ACQ bank send IBFT payment transaction (PCode
41xx00) to Banknetvn.
BNV send IBFT Withdrawal transaction to ISS
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
See Figure 4 below
8
BNV send IBFT payment response message to
ACQ/BNB bank after receiving IBFT Withdrawal
response from ISS
(IBFT Deposit will be handled at ACQ/BNB).
3) Scenario 3: Interbank fund transfer at Customer bank’s ATM
Acquirer = Issuer <> Beneficiary
Interbank Fund transfer on ATM of the bank where the cardholder open the
account.
(2) IBFT Inqy
(1) IBFT Inqy
200/390000
200/390000
200/390000
ATM
210/390000
ACQ/
ISS
BNV
Bnb
(3) IBFT Inqy
(4) IBFT Inqy
210/390000
210/390000
Figure 5: IBFT Inquiry
(1) IBFT Payment
200/42xx00
200/42xx00
ATM
210/42xx00
210/42xx00
ACQ/
ISS
(2) IBFT Payment
BNV
(3) IBFT Deposit
Advice
Bnb
220/42xx00
230/42xx00
(4) IBFT Deposit
Advice
Figure 6: IBFT Payment
Transaction flow:
Step
1
2
3
4
5
Transaction Flow
Cardholder insert card & enter PIN
Select IBFT on ATM screen
ACQ/ISS bank perform Verify PIN (on-us)
Select Acct Type (Default, Saving, Current)
Cardholder select Beneficiary Bank
Enter Beneficiary Acct /PAN number
Enter IBFT amount
i. ACQ/ISS bank send IBFT Inquiry message to BNV
See Figure 5 below
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
ii) ATM display: Beneficiary Account /PAN holder
name,
Beneficiary Acct /PAN number,
Beneficiary Bank name,
IBFT Amount.
Cardholder confirm IBFT
6
7
ACQ/ISS bank send IBFT payment transaction (Pcode
42xx00) to BNV. (IBFT Withdrawal will be handled at
ACQ/ISS).
BNV will send IBFT payment response to ACQ/ISS
bank immediately.
After that, BNV send IBFT Deposit transaction to BNB
bank
See Figure 6 below
8
4) Scenario 4: Interbank fund transfer at other bank’s ATM
Acquirer <> Issuer <> Beneficiary
Interbank Fund transfer on ATM of other bank, not beneficiary bank or
issuer bank.
(2) PIN Verify
200/920000
(1) PIN Verify
200/920000
200/920000
ATM
210/920000
ACQ
BNV
210/920000
(4) PIN Verify
ISS
210/920000
(3) PIN Verify
Figure 7: PIN Verify
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(2) IBFT Inqy
(1) IBFT Inqy
200/390000
200/390000
200/390000
ATM
ACQ
210/390000
BNV
Bnb
(3) IBFT Inqy
(4) IBFT Inqy
210/390000
210/390000
Figure 8: IBFT Inquiry
(2) IBFT Withdrawal
200/48xx00
(1) IBFT Payment
200/48xx00
ISS
210/48xx00
(3) IBFT Withdrawal
210/48xx00
200/48xx00
(4) IBFT Payment
ACQ
ATM
210/48xx00
BNV
(5) IBFT Deposit
Advice
220/48xx00
Bnb
230/48xx00
(6) IBFT Deposit
Advice
Figure 9: IBFT Payment
Transaction flow:
Step
1
2
3
4
5
6
7
8
Transaction Flow
Cardholder insert card & enter PIN
Select IBFT on ATM screen
ACQ bank send PIN Verify to BNV
See Figure 7 below
Select Acct Type (Default, Saving, Current)
Cardholder select Beneficiary Bank
Enter Beneficiary Acct /Pan number
Enter IBFT amount
ACQ bank send IBFT Inquiry message to BNV
See Figure 8 below
ii) ATM display: Beneficiary Account /PAN holder
name,
Beneficiary Acct /PAN number,
Beneficiary Bank name,
IBFT Amount.
Cardholder confirm IBFT
ACQ bank send IBFT payment transaction (Pcode
48xx00) to BNV
BNV send IBFT Withdrawal transaction to ISS bank.
Upon receiving IBFT withdrawal response from ISS
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
bank, BNV send IBFT payment response message to
ACQ bank
9
After that, BNV send IBFT deposit message to BNB
Bank
See Figure 9 below.
4) IBFT exception handling
The following exception handling cases apply to all IBFT scenarios.
The IBFT transaction is considered successful if IBFT withdrawal is successful
After IBFT withdrawal is successful, Banknetvn will send response
message/210 with RC =00 to ACQ and then forward 0220 IBFT Deposit
transaction to Bnb.
IBFT Deposit transaction is considered successful, not depending on Bnb’s
response.
In all cases, 0420 reversal transaction sent from ACQ will be rejected by
Banknetvn by 0430 transaction with reject response code.
a. Beneficiary Bank Time Out on 220
IBFT Withdrawal
(2) 200
IBFT Payment
(1) 200
ISS
(3) 210
RC 00
IBFT Payment
(4) 210
200
Approved
ATM
ACQ
BNV
210
Approved
IBFT Deposit Advice
(5) 220
X
230
Bnb
No Reversal to Bnb
No reversal will be sent from BNV to Bnb in this case. If Bnb accept IBFT
Inquiry request and return successful RC=00 reply, then the IBFT Deposit request
which follows will be considered successful. No reversal will be sent from BNV
to ISS.
Time out on 0220 will be stored to SAF and sent continuously to Bnb until 0230
response is received.
In case of timeout, 0220 message will be store to SAF and send
continuously to Bnb until Banknetvn receives 0230 response message within the
timeout period. Beneficiary Bank ensures not to make multiple credits to the
account when receiving multiple 0220 messages.
The IBFT transaction is considered successful if IBFT withdrawal is successful.
b. Beneficiary Bank Reject 220 ( Bnb reject 220 transaction)
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
IBFT Withdrawal
(2) 200
IBFT Payment
(1) 200
(3) 210
Approved
IBFT Payment
200
ATM
Banknetvn
ISS
(4) 210
Approved
ACQ
BNV
IBFT Deposit Advice
210
(5) 220
Approved
(6) 230
Reject
Bnb
No Reversal to ISS
If Beneficiary Bank accept IBFT Inquiry request and return successful RC=00
reply, then the IBFT Deposit request which follows will be considered successful.
Beneficiary Bank is not allowed to reject 220. No reversal will be sent from BNV
to ISS
c. Reversal from ACQ on Approved 210
(2) 200
(1) 200
X
200
ATM
210
RC 00
(4) 420
ACQ
210
Timeout
ISS
(3) 210
RC 00
BNV
(5) 220
(5) 430
Reply rejected
Reversal
(6) 230
RC 00
Bnb
ACQ is not allowed to send reversal to Banknetvn. If ACQ send reversal, BNV
will reply to ACQ with rejected response code
For rejected IBFT (due to timeout) cases, the ACQ will display message on their
ATM, something like “Fund Transfer transaction has been sent but not yet
receive feedback. Please check your account”.
d. Reversal from ACQ on Rejected 210
(2) 200
(1) 200
X
200
ATM
ACQ
210
Timeout
210
Reject
(4) 420
ISS
(3) 210
Reject
BNV
(5) 430
Reply Reject
Reversal
Technical Specifications for Banknetvn System Connectivity v1.6
Bnb
37
Vietnam National Financial Switching Joint-stock Company
Banknetvn
ACQ is not allowed to send reversal to Banknetvn. If ACQ send reversal, BNV
will reply to ACQ with rejected response code
For rejected IBFT (due to timeout) cases, the ACQ will display message on their
ATM, something like “Fund Transfer transaction has been sent but not yet
receive feedback. Please check your account”.
e. ISS time out on 210
In this case, Banknetvn will send timeout response to ACQ with RC=08 and send
reversal to ISS.
If ISS and Bnb are not the same bank, 0220 IBFT Deposit will not be sent to Bnb.
IBFT Withdrawal
(2) 200
IBFT Payment
(1) 200
IBFT Payment
200
ATM
X
(3) 210
Timeout
ACQ
210
ISS
(4) 420
BNV
(5) 430
Approve
210/
Timeout
Bnb
After a timeout period has expired, BNV has not received the 0210 from ISS,
BNV will send a 0210 timeout response to the acquirer. Then, BNV will send a
0420 reversal message to ISS.
If BNV receive the late response from ISS for time out transaction, BNV will not
send the 420 reversal to ISS as the reversal was sent when transaction time out.
If BNV does not receive the 430 within the timeout value, the 420 message will be
stored into the SAF table. The store and forward (SAF) module in BNV will
replay the 420 message to ISS after specified interval time until the 430 message
is received from ISS.
In this time out case, ACQ will display on ATM screen: “Fund transfer transaction
is not successful”.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
2. POS transactions
Including the following transactions:
o Balance Inquiry
o Purchase
o Purchase Cancellation
o VOID-debit
o Refund
2.1. Balance Inquiry
a. Normal transactions
(2) Balance
Inquiry
0200/30xx00
(1) Balance
Inquiry
0200/30xx00
Request
POS
ACQ
Response
BNV
(4) Balance
Inquiry
0210/30xx00
ISS
(3) Balance
Inquiry
0210/30xx00
Transaction flow:
Step
Transaction Flow
1
Cardholder select Balance Inquiry, swipe the card and
enter PIN on POS.
2
POS initiates Balance inquiry request to ACQ
3
ACQ send Balance inquiry request message to
Banknetvn (Pcode 30xx00).
4
Banknetvn forward the message to ISS.
5
ISS process and response to Banknetvn.
6
Banknetvn forward the response to ACQ.
7
ACQ send response message to POS.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
b. Exception handling
Same as Balance Inquiry on ATM.
2.2. Purchase
(2) Purchase
0200/00xx00
(1) Purchase
0200/00xx00
Request
POS
ACQ
BNV
ISS
Response
(4) Purchase
0210/00xx00
(3) Purchase
0210/00xx00
Transaction flow:
Step
1
2
3
4
5
6
7
Transaction Flow
Cardholder select Purchase, swipe card and enter PIN on
POS.
POS initiate Purchase request to ACQ.
ACQ send Purchase request message to Banknetvn
(Pcode 00xx00).
Banknetvn forward the message to ISS.
ISS process and response to Banknetvn.
Banknetvn forward the response to ACQ.
ACQ send response message to POS.
2.3. Purchase Cancellation
This transaction is applicable for credit cards.
Successful Purchase can be cancelled before settlement process by Purchase
Cancellation.
This transaction is to void all original transaction amount.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(2) Purchase
Cancellation
0200/02xx00
(1) Purchase
Cancellation
0200/02xx00
Request
POS
ACQ
Response
BNV
(4) Purchase
Cancellation
0210/02xx00
ISS
(3) Purchase
Cancellation
0210/02xx00
Transaction flow:
Step
Transaction Flow
1
POS initiate Purchase Cancellation request message to
ACQ.
2
ACQ forward Purchase Cancellation request message
/0200 to Banknetvn.
3
Banknetvn forward
message to ISS.
Purchase Cancellation request
+ BNV will locate the original purchase transaction
using the information in DE90 and other fields in the
message.
+ If the original transaction is not, BNV will reject
the purchase cancellation with response code 94 (Unable
to locate original transaction) for Purchase Cancellation.
2.4.
4
ISS process and send responses with a Purchase
Cancellation Transaction Response/0210 message back
to BNV.
5
Banknetvn forward this message to ACQ.
6
ACQ send response to POS.
Void-debit
A successful purchase transaction can be cancelled before being settled by a
void-debit transaction.
This transaction uses 0420/0430 reversal message class to cancel the whole
amount of money in the original transaction.
- Message type : 0420/0430
- Processing code : 00xx00
There is no reversal transactions for VOID-debit transactions.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(3) Void
0420/00xx00
(1) Void
0420/00xx00
Request
POS
ACQ
BNV
ISS
Response
(2) Void
0430/00xx00
(4) Void
0430/00xx00
Transaction flow :
Step
1
2
3
4
Transaction Flow
POS initiates a VOID request message to the ACQ.
The ACQ forwards the VOID 0420 message to
Banknetvn.
When receiving 0420 message, Banknetvn will
immediately reply to the Acquirer by sending a 0430
message with rc=00 and
- If the original transaction is found, the VOID message is
forwarded to the Issuer.
- If the original transaction is not found, the VOID
message is not forwarded to the Issuer.
ISS handles the VOID message and responds by sending a
0430 message with rc =00 to Banknetvn.
2.5. Refund 0220/0230
This transaction is performed to request the issuer bank to refund to
cardholder’s account basing on the returned goods (partially or wholely).
This transaction can include partial or whole refund of the original
transaction amount.
ISS is not allowed to reject this transaction. Otherwise, the transaction can be
performed through dispute handling and chargeback.
If response is not received from ISS, this transaction will be sent
continuously until response is received from ISS.
The Bank ensures not to make multiple credits to the account when
receiving multiple 0220 messages.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(3) Refund
Advice
0220/20xx00
(1) Refund
Advice
0220/20xx00
Request
POS
ACQ
Response
BNV
(2) Refund Advice
Response
0230/20xx00
ISS
(4) Refund Advice
Response
0230/20xx00
Transaction flow:
Step
Transaction Flow
1
POS initiate Refund request message to ACQ.
2
ACQ forward the Refund advice /0220 to Banknetvn.
3
BNV return the Refund Advice Response/0230 message
to ACQ.
This transaction will be logged in SAF to send to ISS.
4
ACQ send response to POS.
5
Banknetvn will forward Refund 0220 message to ISS
6
ISS process and send response to Banknetvn. If no
response is received from ISS, Banknetvn will keep
sending the message until response is received.
7
This transaction is irreversible; all subsequent reversals
from the acquirer will be rejected with response code 12
– Invalid transaction.
2.6. Exception handling of POS transactions
- Unable to locate original transaction
If Banknetvn is unable to locate the original transaction upon receiving the
Purchase Cancellation /Refund request, Banknetvn will reject the Purchase
Cancellation /Refund with response code 94: Unable to locate original
transaction.
- Duplicate Reversal Advice/ Refund
If Banknetvn receives a duplicate Purchase Cancellation/Refund request,
Banknetvn will reject the Purchase Cancellation/Refund with response code
99 for Duplicate Refund, 98 for Duplicate Reversal and not forward it to
the ISS host again.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
- If the Purchase Cancellation times out, the Acquirer POS terminal must
ensure the Purchase Cancellation Reversal is processed (a response is received)
before sending the second Purchase Cancellation.
- Member banks must ensure that those cases are handled. Purchase
Cancellation is performed once to cancel the previous Purchase transaction of the
cardholder.
- BNV will reject all Purchase Cancellation if the original Purchase
transaction is marked as VOIDED. It will only accept new Purchase Cancellation
transactions when the previous one is properly reversed.
1) ACQ generated reversal on approved 0210
(3) Reversal
Advice
0420
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
ISS
(4) Reversal Advice
Response
0430
0430
Transaction flow:
Step
Transaction Flow
1
POS/ACQ initiate reversal advice/0420 to Banknetvn.
Banknetvn send a reversal response /0430 to ACQ.
3
After that, Banknetvn will send a reversal advice/0420 to
ISS.
4
ISS process and send a reversal advice response/0430 to
Banknetvn.
2) ACQ generated reversal on rejected 0210
(1) Reversal
Advice
0420
Request
ATM
ACQ
Response
BNV
(2) Reversal Advice
Response
0430
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Transaction flow:
Step
Transaction Flow
1
POS/ACQ initiate reversal advice/0420 to Banknetvn.
2
Banknetvn send a reversal response /0430 to ACQ.
3
In this case, reversal advice/0420 is not sent to ISS.
3) ISS time out /Late response on 0210
(1) Purchase
(2) Purchase
0200
0200
Request
(3) Purchase
(4) Purchase
POS
ACQ
Response
0210
BNV
X
RC = 08
0210
ISS
(5) Reversal
Advice
0420
(6) Reversal
Advice Response
0430
Transaction flow:
Step
Transaction Flow
1
POS initiate Purchase to ACQ.
2
ACQ forward Purchase /0200 to Banknetvn.
3
Banknetvn will forward Purchase 0200 to ISS.
4
After the time out period expires and BNV receives no
response from the ISS host, BNV will generate a time
out response with RC 08 and send to the ACQ.
e. BNV generates a Purchase Cancellation
Reversal Advice/0420 message automatically
and sends to the ISS host.
5
BNV will generate a Reversal Advice/0420 to ISS.
6
ISS send a Reversal Advice Response /0430 to
Banknetvn.
7
After the time out period expires and Banknetvn receives
response /0210 from ISS, this transaction will be
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
considered late response and discarded by Banknetvn.
8
If ACQ receive time out response/0210, they do not send
reversal/0420 to Banknetvn.
3. Transactions on other channels
Including the following transactions:
o Interbank fund transfer on the Internet.
Interbank fund transfer on the Internet
In order to support banks to allow cardholders to perform interbank fund
transfer on the Internet, Banknetvn propose the interbank fund transfer on the
Internet basing on IBFT Scenario 3.
Scenario 3: Acquirer = Issuer <> Beneficiary
To differentiate interbank fund transfer on ATM and interbank fund transfer
on the Internet, DE18 Merchant Type is used, different from 6011.
IBFT Internet consists of 2 flows:
 Beneficiary Account Inquiry
 Fund Transfer on Internet
(2) IBFT Inqy
(1) IBFT Inqy
200/390000
200/390000
Request
Web
Response
ACQ/
ISS
BNV
Bnb
(3) IBFT Inqy
(4) IBFT Inqy
210/390000
210/390000
Figure1: IBFT Internet Inquiry
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(1) IBFT Payment
200/42xx00
Request
Web
Response
210/42xx00
ACQ/
ISS
(2) IBFT Payment
BNV
(3) IBFT Deposit
Advice
Bnb
220/42xx00
230/42xx00
(4) IBFT Deposit
Advice
Figure 2: IBFT Internet Payment
Transaction flow:
Step
1
2
3
4
5
6
7
Transaction Flow
Cardholder log on website of the bank and perform
account authentication.
Select IBFT.
Select Beneficiary Acct OR Beneficiary PAN
Select Acct Type (Default, Saving, Current)
Cardholder select Beneficiary Bank
Enter Beneficiary Acct Number
Enter IBFT amount
Or:
Enter Beneficiary PAN
Enter IBFT amount
(Beneficiary bank code is identified by PAN))
i.
Website generated Beneficiary account
Inquiry request is sent from ACQ/ISS to
Banknetvn (Figure 1).
ii.
The website display: Beneficiary Acct Name
Beneficiary Acct Number
IBFT amount
Beneficiary Bank Name
Or
Beneficiary card holder name
PAN
IBFT amount
Beneficiary Bank Name
If user key in PAN in step 3
Cardholder confirm IBFT information on the website
ACQ/ISS send IBFT payment transaction (PCode
42xx00) to Banknetvn.
(IBFT Withdrawal will be performed at ACQ/ISS)
Banknetvn send IBFT payment response to ACQ/ISS
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
and the transaction will be displayed on the website.
After that, Banknetvn will send IBFT deposit to Bnb.
(Figure 2)
4. Network management message
4.1. Sign-on (0800/001)
The Member bank’s BIN is configured as “up BIN” after Banknetvn receives the
sign-on message from that member bank. Banknetvn will send message back to
the member bank only if its BIN is “up BIN”.
4.2. Sign-off (0800/002)
Banknetvn will mark a member bank as “down BIN” when receiving sign-off
message from that bank. If BIN of a member bank is “down BIN”, no transactions
can be sent to it. (e.g. when a bank runs batch processing at night and does not
process any transaction).
4.3. Key Exchange – (0800/161)
A member bank can request Banknetvn to do key-exchange transaction whenever
necessary. Key-exchange transactions should be regularly carried out daily at 1
a.m.
After receiving a Sign-off message and then a sign-on, Banknetvn will
automatically send two messages containing keys: one for the ZPK and the other
for the MAK.
A bank uses uniquely a couple of keys: ZPK and MAK (the keys obtained in the
most recent key-exchange transaction) to perform transactions with Banknetvn.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
If member bank wish to perform key change, it will initiate Sign-off message and
then Sign-on message.
4.4. Echo Test (0800/301)
Echo Test is used to check the connection between two interfaces.
5. 0420/0430 reversal message and 0220/0230 financial message
0420/0430 reversal message and 0220/0230 financial message (for Refund) can
be generated by ACQ or Banknetvn.
When receiving a 0420 or 0220 message, Banknetvn will immediately send
back a 0430 or 0230 message with rc=00 to the Acquirer.
In a 0420/0430 transaction:
-
If the original transaction is found, message 0420 is forwarded to the
Issuer.
- If the original transaction is not found, message 0420 is not sent to the
Issuer.
If Banknetvn receives no response from the issuer or the beneficiary bank, the
transaction will be stored in the SAF (Store and Forward) of Banknetvn and is
continuously sent until a response message is received.
When the issuer or beneficiary banks receive a 0420 or 0220 message, ISS or
Bnb will respond by sending message 0430 and 0230. The processing of the
original message at core bank can be performed later in order to enhance the
performance of the system.
a) Acquirer generated message
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
(1)
ACQ
(2)
BNV
(3)
ISS
(4)
b) Banknetvn generated message
ACQ
BNV
(1)
ISS
(2)
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
CHAPTER 3 : STANDARD MESSAGE FORMAT
1. Abbreviation
Abb
Meaning
AC
Acquirer
IS
Issuer
BN
Banknetvn
BB
Beneficiary Bank
M
Required field/value in the message.
C
Field/value required to be filled in some cases.
+
Contents of the field can be modified.
O
Optional field in the message

Value of the field to be forwarded and not changed
-
Not appear in the message
(Grey)
The value of the field sent is same as the original message.
2. ATM Transaction
2.1. Balance Inquiry
Field Data - Element
Attrib
Remarks
AC BN IS BN
Balance Inquiry 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
5
6
7
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  30xx00
M  M  “0” will be
added to filled
up the required
number
of
characters
O O O 
O O O 
M  M  GMT
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
Time
9
10
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
38
39
41
(MMDDhhmmss
)
Conversion n8
O O O 
Settlement
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
Identification
Technical Specifications for Banknetvn System Connectivity v1.6
O O O 
M  M 
M  M  GMT +7
M  M  GMT +7
O  O  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
-others for POS
transactions
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
M  For
ATM
transactions, this
field is optional.
- - M 
M  M 
-
-
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
42
43
48
49
50
51
52
53
54
102
Attrib
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Additional Amounts
an…040
(LLLVAR)
From
Identification
Banknetvn
Account ans…28
(LLVAR)
128
Message Authentication an 16
Code
2.2. Cash withdrawal
Field Data - Element
Attrib
Remarks
AC BN IS BN
M  - M  -
-
 C 
M  M 
O O O 
O O O 
C  O C -
-
M  Containing
account’s balance
Zeros will be
added if the
transaction is not
successful.
- - M  For unsuccessful
transactions, the
system
may
return the correct
account’s
balance or 20
zeros can be
added.
M  M 
-
-
Remarks
AC BN IS BN
Cash Withdrawal 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  01xx00
M  M  There
are
2
decimal digits at
the end.
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
5
6
7
9
10
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
38
39
Attrib
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
Time
(MMDDhhmmss
)
Settlement Conversion n8
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
Banknetvn
an2
Technical Specifications for Banknetvn System Connectivity v1.6
Remarks
AC BN IS BN
O O O 
O O O 
M  M  GMT
O O O 
O O O 
M  M 
M  M  GMT +7
M  M  GMT +7
O  O  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
-
-
-
-
O  For
ATM
transactions, this
field is optional
M 
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
41
42
43
48
49
50
51
52
53
54
Attrib
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Additional Amounts
an…040
(LLLVAR)
Account ans…28
(LLVAR)
102
From
Identification
128
Message Authentication an 16
Code
2.3. Mini Statement
Field Data - Element
Banknetvn
Remarks
AC BN IS BN
M  M 
M  -
-
M  -
-
-
 C 
M  M 
O O O 
O O O 
C  O C -
-
M  Containing
account’s balance
Zeros will be
added
if
the
transaction is not
successful
- - M  For unsuccessful
transactions, the
system may return
the
correct
account’s balance
or 20 zeros can be
added.
M  M 
-
-
Attrib
Remarks
AC BN IS BN
Mini Statement 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  35xx00
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Attrib
4
Transaction Amount
5
6
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
Time
(MMDDhhmmss
)
Settlement Conversion n8
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
7
9
10
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
Banknetvn
n12
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Technical Specifications for Banknetvn System Connectivity v1.6
Remarks
AC BN IS BN
M  M  “0” will be added
to filled up the
required number
of characters
O O O 
O O O 
M  M  GMT
O O O 
O O O 
M  M 
M  M  GMT +7
M  M  GMT +7
O  O  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
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Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Attrib
38
Authorization
an6
Identification Response
39
41
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Additional Amounts
an…040
(LLLVAR)
42
43
48
49
50
51
52
53
54
Banknetvn
Account ans…28
(LLVAR)
102
From
Identification
128
Message Authentication an 16
Code
Remarks
AC BN IS BN
- - O  For
ATM
transactions, this
field is optional
- - M 
M  M 
M  -
-
M  -
-
-
 C 
M  M 
O O O 
O O O 
C  O C -
-
M  Containing
account’s balance
Zeros will be
added
if
the
transaction is not
successful
- - M  For unsuccessful
transactions, the
system may return
the
actual
account’s balance
or 20 zeros can be
added.
M  M 
-
-
2.4. 0420 Reversal Advice / 0430 Reversal Response for Balance Inquiry,
Cash Withdrawal, Mini Statement.
Fiel Data - Element
Attrib
Remarks
d
AC BN BN IS
Using for script Balance Inquiry, Cash Withdrawal, Mini Statement.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Fiel Data - Element
d
--- Message Type
--1
2
3
4
7
11
12
13
15
18
19
32
33
37
38
39
41
42
43
49
90
Attrib
Banknetvn
Remarks
AC BN BN IS
n4
420 430 42 43
0 0
Primary Bit Map
an 16
M M M M
Secondary Bit Map
an 16
M M M M
Primary Account Number n..19(LLVAR) M M M M Same as 0200
(PAN)
Processing Code
n6
M M M M Same as 0200
Transaction Amount
n12
M M M M Same as 0200
Transmission Date and n10
M M M M GMT time
Time
System
Trace
Audit n6
M M M M 0420 same as
Number
0200 or new value
0430 same as
0420.
Time, Local Transaction n6(hhmmss)
M M M M Same as 0200
Date, Local Transaction n4(MMDD)
M M M M Same as 0200
Date, Settlement
n4(MMDD)
O M+ M M GMT +7 time
Merchant Type
n4
M M M M Same as 0200
Accepting
Institution n3
O O
O O Same as 0200
Country code
Accepting
Institution n..11(LLVAR) M M M M Same as 0200
Identification Code
Forwarding
Institution n..11(LLVAR) O O
O O Same as 0200
Identification Code
Retrieval
Reference an12
O O
O O Same as 0200
Number
Authorization
an6
O O
O O Same as 0210
Identification Response
Response Code
an2
M - M Response value:
- Approve.
Card Acceptor Terminal ans8
M M M M Same as 0200
Identification
Card
Acceptor ans15
M M - Same as 0200
Identification Code
Card Acceptor Name and ans40
M M - Same as 0200
Location
Transaction
Currency an3
M M M M Same as 0200
Code
Original Data Element
n42
M M - Original
transaction value:
Position 1-4: MTI
5-10: DE11
11-20:DE7
21-31:DE32
Technical Specifications for Banknetvn System Connectivity v1.6
58
Vietnam National Financial Switching Joint-stock Company
Fiel Data - Element
d
Banknetvn
Attrib
Remarks
AC BN BN IS
32-42:DE33
95
Replacement Amount
102 From
Identification
128 Message
Code
n42
Account ans…28(LLVA M M
R)
Authentication an 16
2.5. PIN Change
Field Data - Element
M -
M M
M -
Used for partial
reversal
or
reversal.
Zeros will be
filled
up
for
reversal.
Position
1-12:
Actual transaction
amount
13-24:
Actual
payment amount
25-36:
Issuer
Equivalent
37-42:Reserved
M M Same as 0210.
20 zeros will be
added if message
0210
is
not
received.
M M Value MAC.
Attrib
Remarks
AC BN IS BN
Pin Change
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
7
11
0200
M M
M M
M 
0210
M M
M M
M 
M  M  940000
M  M  “0” will be added
to filled up the
required number
of characters
M  M  GMT
Transmission Date and n10
Time
(MMDDhhmmss
)
System Trace Audit n6
M  M 
Number
Technical Specifications for Banknetvn System Connectivity v1.6
59
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
12
13
15
18
22
25
26
32
33
35
37
39
41
42
43
48
52
Banknetvn
Attrib
Remarks
AC BN IS BN
M  M  GMT +7
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Retrieval
Reference an12
Number
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512
(LLLVAR)
Pin Data
an16
Security Related Control n16
Information
128 Message Authentication an 16
Code
2.6. Verify PIN 0200/0210
Fiel Data – Element
Attrib
d
Verify PIN
--- Message Type
n4
--- Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary Account Number n..19(LLVAR)
M  M  GMT +7
O M+ M M+ GMT +7
M  M 
M  - M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  O 
- - M 
M  M 
53
M  -
-
M  -
-
M M+ -
-
C  -
-
O O -
-
Contain new PIN
Block (16 Hex)
Contain old PIN
Block (16Hex)
M  M  MAC value
Remarks
AC BN IS BN
0200
M M
M M
M 
Technical Specifications for Banknetvn System Connectivity v1.6
0210
M M
M M
M 
60
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
d
(PAN)
3
Processing Code
4
Transaction Amount
7
11
12
13
15
18
19
22
25
26
32
33
35
36
37
39
41
42
43
48
49
52
53
Banknetvn
Attrib
Remarks
AC BN IS BN
n6
n12
Transmission Date and n10
Time
System
Trace
Audit n6
Number
Time, Local Transaction n6(hhmmss)
Date, Local Transaction n4(MMDD)
Date, Settlement
n4(MMDD)
Merchant Type
n4
Accepting
Institution N3
country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11(LLVAR)
Identification Code
Forwarding
Institution n..11(LLVAR)
Identification Code
Track 2 data
z..37(LLVAR)
Track 3 data
z...104(LLVA
R)
Retrieval
Reference an12
Number
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name and ans40
Location
Additional Data Private ans…512(LLL
VAR)
Transaction
Currency an3
Code
Pin Data
an16
Security Related Control n16
M  M  920000
M  M  “0” will be added to
filled
up
the
required number of
characters
M  M  GMT
M  M 
M
M
O
M
O
 M
 M
M+ M
 M
 O
 GMT+7
 GMT+7
M+ GMT+7


M  -
-
M  -
-
 -
-
O
M  M 
O
 O 
C
O
  -
O
 O 
-
M 
M  M 
M  -
-
M  -
-
O
 O 
M  M 
C
O
Technical Specifications for Banknetvn System Connectivity v1.6
 O -
61
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
Attrib
d
Information
128 Message Authentication an 16
Code
Banknetvn
Remarks
AC BN IS BN
M  M  Value MAC
2.7. Beneficiary Account Inquiry 0200/0210
Field Data – Element
Attrib
Remarks
AC BN BB BN
Beneficiary Account Inquiry
--- Message Type
n4
--- Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19(LLVAR)
Number (PAN)
3
Processing Code
n6
4
Transaction Amount
7
Transmission Date and n10
Time
System Trace Audit n6
Number
Time,
Local n6(hhmmss)
Transaction
Date, Local Transaction n4(MMDD)
Date, Settlement
n4(MMDD)
Merchant Type
n4
11
12
13
15
18
19
22
25
26
32
33
35
36
n12
Accepting Institution N3
country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting Institution n..11(LLVAR)
Identification Code
Forwarding Institution n..11(LLVAR)
Identification Code
Track 2 data
z..37(LLVAR)
Track 3 data
z...104(LLLVAR)
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  390000
390010
(with
PIN verify)
M  M  Amount
of
money
to
transfer
M  M  GMT
M  M 
M  M  GMT +7
M  M  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
O  O 
M  -
-
M  -
-
 -
-
O
M  M 
O
 O 
C
O
  -
-
62
Vietnam National Financial Switching Joint-stock Company
Field Data – Element
37
38
39
41
42
43
48
Banknetvn
Attrib
Remarks
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
Card
Acceptor ans8
Terminal Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512(LLLVAR
)
AC BN BB BN
O  O 
-
O 
-
- - M 
M  M 
M  -
-
M  -
-
-
M  Beneficiary
Account /PAN
holder name
-
Transaction Currency an3
Code
52 Pin Data
an16
53 Security
Related n16
Control Information
100 Receiving
Institution n..11(llVAR)
Identification Code
M  M 
103 To
Account ans…28(LLVAR)
Identification
128 Message
an 16
Authentication Code
2.8. Interbank Fund Transfer.
a. Using for script Scenario 1
M  M  Beneficiary Acct
/ PAN number
M M M M value MAC
49
Fiel Data – Element
Attrib
d
Interbank Fund Transfer.
Using for script Scenario 1
--- Message Type
n4
--- Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary Account Number n..19(LLVAR)
(PAN)
3
Processing Code
n6
4
Transaction Amount
n12
5
Amount, Settlement
n12
6
Cardholder
billing n12
Amount
C
O
 O -
-
M  M  Beneficiary
bank code
Remarks
AC BN IS BN
0200
M M
M M
M 
M
M
O
O
Technical Specifications for Banknetvn System Connectivity v1.6


O
O
0210
M M
M M
M 
M
M
O
O
 40xx00: Scenario 1
 Transfer amount


63
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
Attrib
d
7
Transmission Date and n10
Time
9
Settlement
Conversion n8
Rate
10 Cardholder
conversion n8
rate
11 System
Trace
Audit n6
Number
12 Time, Local Transaction n6(hhmmss)
13 Date, Local Transaction n4(MMDD)
15 Date, Settlement
n4(MMDD)
18 Merchant Type
n4
19
22
25
26
32
33
35
36
37
38
39
41
42
43
48
49
Remarks
AC BN IS BN
M  M  GMT
O
O
O 
O
O
O 
M  M 
M
M
O
M
Accepting
Institution n3
O
Country code
Point of Service Entry n3
M
Mode Code
Point
of
Service n2
M
Condition Code
Point of Service Pin n2
O
Capture Code
Accepting
Institution n..11(LLVAR) M
Identification Code
Forwarding
Institution n..11(LLVAR) O
Identification Code
Track 2 data
z..37(LLVAR) C
Track 3 data
z...104(LLLVA O
R)
Retrieval
Reference an12
O
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
M
Identification
Card
Acceptor ans15
M
Identification Code
Card Acceptor Name and ans40
M
Location
Additional Data Private ans…512(LLL M
VAR)
Transaction
Code
Currency an3
Banknetvn
 M
 M
M+ M
 M
 GMT +7
 GMT +7
M+ GMT +7
 6011 is for ATM
transactions.
 O 
 -
-
 -
-
 -
-
 M 
 O 
  -
-
 O 
-
O 
- M 
 M 
 -
-
 -
-
 M  Beneficiary account
/PAN holder name
M  M 
Technical Specifications for Banknetvn System Connectivity v1.6
64
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
Attrib
d
AC
50 Settlement Currency Code an3
O
51 Currency code, cardholder an3
O
billing
52 Pin Data
an16
C
53 Security Related Control n16
O
Information
54 Additional Amounts
an…040(LLLV AR)
100 Receiving
Institution n..11(llVAR) O
Identification Code
102 From
Account ans…28(LLVA Identification
R)
Banknetvn
Remarks
BN IS BN
O O 
O O 
 C+ -
-
M  Containing
account’s balance
Zeros will be added
if the transaction is
not successful.
 O  Beneficiary bank
code
- M  Cardholder
account.
-
For
unsuccessful
transactions,
the
system may return
the actual account’s
balance or 20 zeros
can be added.
103 To Account Identification ans…28(LLVA M  M  Beneficiary
Acct
R)
/PAN number.
128 Message Authentication an 16
M  M  Value MAC.
Code
b. Using for script Scenario 2
Fiel Data – Element
d
Attrib
Interbank Fund Transfer.
Using for script Scenario 2
--- Message Type
n4
--- Primary Bit Map
An 16
1
Secondary Bit Map
An 16
2
Primary Account Number n..19(LLVAR)
(PAN)
3
Processing Code
n6
4
Transaction Amount
n12
5
Amount, Settlement
n12
6
Cardholder
billing n12
Amount
Remarks
AC BN IS BN
/BB
0200
M M
M M
M 
M
M
O
O
Technical Specifications for Banknetvn System Connectivity v1.6


O
O
0210
M M
M M
M 
M
M
O
O
 41xx00: Scenario 2
 Transfer amount


65
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
d
7
9
10
11
12
13
15
18
19
22
25
26
32
33
35
36
37
38
39
41
42
43
48
49
Banknetvn
Attrib
Transmission Date and n10
Time
Settlement
Conversion n8
Rate
Cardholder
conversion n8
rate
System
Trace
Audit n6
Number
Time, Local Transaction n6(hhmmss)
Date, Local Transaction n4(MMDD)
Date, Settlement
n4(MMDD)
Merchant Type
n4
Remarks
AC BN IS BN
/BB
M  M  GMT
O
O
O 
O
O
O 
M  M 
M
M
O
M
Accepting
Institution n3
O
Country code
Point of Service Entry n3
M
Mode Code
Point
of
Service n2
M
Condition Code
Point of Service Pin n2
O
Capture Code
Accepting
Institution n..11(LLVAR) M
Identification Code
Forwarding
Institution n..11(LLVAR) O
Identification Code
Track 2 data
z..37(LLVAR) C
Track 3 data
z...104(LLLVA O
R)
Retrieval
Reference an12
O
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
M
Identification
Card
Acceptor ans15
M
Identification Code
Card Acceptor Name and ans40
M
Location
Additional Data Private ans…512(LLL M
VAR)
Transaction
Currency an3
M
Code
Technical Specifications for Banknetvn System Connectivity v1.6
 M
 M
M+ M
 M
 GMT +7
 GMT +7
M+ GMT +7
 6011 is for ATM
transactions.
 O 
 -
-
 -
-
 -
-
 M 
 O 
  -
-
 O 
-
O 
- M 
 M 
 -
-
 -
-
 M  Beneficiary account
/PAN holder name
 M 
66
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
d
50
51
52
53
Banknetvn
Attrib
Remarks
AC BN IS BN
/BB
O O O 
O O O 
Settlement Currency Code an3
Currency code, cardholder an3
billing
Pin Data
an16
C
Security Related Control n16
O
Information
Additional Amounts
an…040(LLLV AR)
 C+ -
-
M  Containing
account’s balance
Zeros will be added
if the transaction is
not successful.
100 Receiving
Institution n..11(llVAR) M  M  Beneficiary bank
Identification Code
code
102 From
Account ans…28(LLVA - M  Cardholder
Identification
R)
account.
54
-
For
unsuccessful
transactions,
the
system may return
the actual account’s
balance or 20 zeros
can be added.
103 To Account Identification ans…28(LLVA M  M  Beneficiary
Acct
R)
/PAN number.
108 Additional Data Private ans…512(LLL O  - - Contains Sender
VAR)
and the detail
information of the
IBFT.
128 Message Authentication an 16
M  M  Value MAC.
Code
c. Using for script Scenario 3
Fiel Data – Element
d
Interbank Fund Transfer.
Using for script Scenario 3
--- Message Type
--1
2
Attrib
Remarks
AC BN BN BB
/IS
n4
200 210 22
0
Primary Bit Map
An 16
M M M
Secondary Bit Map
An 16
M M M
Primary Account Number n..19(LLVAR) M M M
Technical Specifications for Banknetvn System Connectivity v1.6
23
0
M
M
M
67
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
d
3
4
5
6
7
9
10
11
12
13
15
18
19
22
25
26
32
33
35
36
37
38
39
41
42
Banknetvn
Attrib
(PAN)
Processing Code
n6
Transaction Amount
n12
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
Time
Settlement
Conversion n8
Rate
Cardholder
conversion n8
rate
System
Trace
Audit n6
Number
Time, Local Transaction n6(hhmmss)
Date, Local Transaction n4(MMDD)
Date, Settlement
n4(MMDD)
Merchant Type
n4
Remarks
AC BN BN BB
/IS
M
M
O
O
M
M
O
O
M
M
O
O
M 42xx00: Scenario 3
M Transfer amount
O
O
M M M M GMT
O
O
O O
O
O
O O
M M M M
M
M
O
M
Accepting
Institution n3
O
Country code
Point of Service Entry n3
M
Mode Code
Point
of
Service n2
M
Condition Code
Point of Service Pin n2
O
Capture Code
Accepting
Institution n..11(LLVAR) M
Identification Code
Forwarding
Institution n..11(LLVAR) O
Identification Code
Track 2 data
z..37(LLVAR) C
Track 3 data
z...104(LLLVA O
R)
Retrieval
Reference an12
O
Number
Authorization
an6
O
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
M
Identification
Card
Acceptor ans15
M
Identification Code
Technical Specifications for Banknetvn System Connectivity v1.6
M M
M M
M+ M
M M
M
M
M
M
O
O O
-
M -
-
M -
-
O -
GMT +7
GMT +7
GMT +7
6011 is for ATM
transactions.
M M M
O
O O
-
C O -
 O O
O
-
O
M - M
M M M
-
M -
68
Vietnam National Financial Switching Joint-stock Company
Fiel Data – Element
d
43
48
49
50
51
52
53
54
Banknetvn
Attrib
Remarks
AC BN BN BB
/IS
M - M -
Card Acceptor Name and ans40
Location
Additional Data Private ans…512(LLL M
VAR)
Transaction
Currency an3
M
Code
Settlement Currency Code an3
O
Currency
code, an3
O
cardholder billing
Pin Data
an16
C
Security Related Control n16
O
Information
Additional Amounts
an…040(LLLV O
AR)
M M M Beneficiary account
/PAN holder name
M M M
O
O
O O
O O
 C+ -
-
O
-
-
Containing
account’s balance
Zeros will be added
if the transaction is
not successful.
100 Receiving
Institution n..11(llVAR) M  M M Beneficiary bank
Identification Code
code
102 From
Account ans…28(LLVA M  M M Cardholder
Identification
R)
account.
For
unsuccessful
transactions,
the
system may return
the actual account’s
balance or 20 zeros
can be added.
103 To Account Identification ans…28(LLVA M  M M Beneficiary Acct /
R)
PAN number
108 Additional Data Private ans…512(LLL O - O - Contains
Sender
VAR)
and
the
detail
information of the
IBFT.
128 Message Authentication an 16
M M M M Value MAC.
Code
d. Using for script Scenario 4(general case)
Field Data - Element Attrib
Remarks
AC BN IS BN BB
Interbank Fund Transfer.
Technical Specifications for Banknetvn System Connectivity v1.6
69
Vietnam National Financial Switching Joint-stock Company
Banknetvn
Field Data - Element Attrib
Remarks
AC BN IS BN BB
Using for the script Scenario 4
--Message Type n 4
--1
2
3
4
5
6
7
9
10
11
12
13
15
18
19
22
25
26
32
Primary
Bit an 16
Map
Secondary Bit an 16
Map
Primary
n..19(LLVAR)
Account
Number (PAN)
Processing Code n6
Transaction
n12
Amount
Amount,
n12
Settlement
Cardholder
n12
billing Amount
Transmission
n10
Date and Time
Settlement
n8
Conversion Rate
Cardholder
n8
conversion rate
System Trace n6
Audit Number
Time,
Local n6(hhmmss)
Transaction
Date,
Local n4(MMDD)
Transaction
Date, Settlement n4(MMDD)
Merchant Type n4
Accepting
n3
Institution
Country code
Point of Service n3
Entry
Mode
Code
Point of Service n2
Condition Code
Point of Service n2
Pin
Capture
Code
Accepting
n..11(LLVAR)
20 20 21 22 230
0 0 0 0
M M M M M
M M M M M
M  M M M
M  M M M
M  M M M
48xx00: Scenario 3
Transfer amount
O O O O O
O O O O O
M  M M M
GMT
O O O O O
O O O O O
M  M M M
M  M M M
GMT +7
M  M M M
GMT +7
O M+ M M M
M  M M M
GMT +7
6011 is for
transactions.
ATM
O  O O O
M  -
M -
M  -
M -
O  -
O -
M  M M M
Technical Specifications for Banknetvn System Connectivity v1.6
70
Vietnam National Financial Switching Joint-stock Company
Banknetvn
Field Data - Element Attrib
Remarks
AC BN IS BN BB
33
35
36
37
38
39
41
42
43
48
49
50
51
52
53
54
Institution
Identification
Code
Forwarding
Institution
Identification
Code
Track 2 data
Track 3 data
n..11(LLVAR) O  O O O
z..37(LLVAR) C  - C z...104(LLLV O  - O AR)
an12
O  O O O
Retrieval
Reference
Number
Authorization an6
Identification
Response
Response Code an2
Card Acceptor ans8
Terminal
Identification
Card Acceptor ans15
Identification
Code
Card Acceptor ans40
Name
and
Location
Additional Data ans…512(LLL
Private
VAR)
Transaction
an3
Currency Code
Settlement
an3
Currency Code
Currency code, an3
cardholder
billing
Pin Data
an16
Security Related n16
Control
Information
Additional
an…040(LLL
Amounts
VAR)
-
-
O O O
- - M M M
M  M M M
M  -
M -
M  -
M -
M  M M M
Beneficiary
holder name
account
M  M M M
O O O O O
O O O O O
C  O C+ -
-
-
-
-
M -
-
Technical Specifications for Banknetvn System Connectivity v1.6
Containing
account’s
balance
Zeros will be added if
the transaction is not
successful.
71
Vietnam National Financial Switching Joint-stock Company
Banknetvn
Field Data - Element Attrib
100
102
103
108
128
Remarks
AC BN IS BN BB
M  M M M Beneficiary bank code
Receiving
n..11(llVAR)
Institution
Identification
Code
From Account ans…28(LLV Identification
AR)
-
M M M
To
Account ans…28(LLV M  M M M
Identification
AR)
Additional Data ans…512(LLL O  O O Private
VAR)
Message
an 16
M M M M M
Authentication
Code
Cardholder’s account
For
unsuccessful
transactions, the system
will return the correct
account or fill up with
20 zeros.
Beneficiary Acct / PAN
number
Contains Sender and the
detail information
Value MAC
e. 0420 Reversal Advice / 0430 Reversal Response for IBFT.
Fiel Data - Element
Attrib
d
Interbank Fund Transfer.
Using the script: Scenario 1,2, 3, 4
--- Message Type
n4
--1
2
3
4
7
11
12
13
15
18
Remarks
AC BN BN IS
420 430 42
0
Primary Bit Map
an 16
M M M
Secondary Bit Map
an 16
M M M
Primary Account Number n..19(LLVAR) M M M
(PAN)
Processing Code
n6
M M M
Transaction Amount
n12
M M M
Transmission Date and n10
M M M
Time
System
Trace
Audit n6
M M M
Number
Time, Local Transaction
Date, Local Transaction
Date, Settlement
Merchant Type
n6(hhmmss)
n4(MMDD)
n4(MMDD)
n4
M
M
O
M
Technical Specifications for Banknetvn System Connectivity v1.6
M
M
M+
M
M
M
M
M
43
0
M
M
M Same as 0200
M Same as 0200
M Same as 0200
M GMT
M 0420 same as
0200
or
new
value.
0430 same as
0420.
M Same as 0200
M Same as 0200
M GMT +7
M Same as 0200
72
Vietnam National Financial Switching Joint-stock Company
Fiel Data - Element
Attrib
d
19 Accepting
Institution n3
Country code
32 Accepting
Institution n..11(LLVAR)
Identification Code
33 Forwarding
Institution n..11(LLVAR)
Identification Code
37 Retrieval
Reference an12
Number
38 Authorization
an6
Identification Response
39 Response Code
an2
Banknetvn
Remarks
AC BN BN IS
O O
O O Same as 0200
M M
M M Same as 0200
O
O
O O Same as 0200
O
O
O O Same as 0200
-
O
-
-
M
-
O Same as 0210
M M
M -
M -
Same as 0200
M -
M -
Same as 0200
M M
M M Same as 0200
90
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name and ans40
Location
Transaction
Currency an3
Code
Original Data Element
n42
M Response value:
- Approve.
- Reject.
M M Same as 0200
M -
M -
95
Replacement Amount
M -
41
42
43
49
n42
100 Receiving
Institution n..11(llVAR)
Identification Code
M M
Technical Specifications for Banknetvn System Connectivity v1.6
Original
information:
Position 1-4: MTI
5-10: DE11
11-20:DE7
21-31:DE32
32-42:DE33
M - Used for partial
reversal
or
reversal.
Zeros will be
filled
up
for
reversal.
Position
1-12:
Actual transaction
amount
13-24:
Actual
payment amount
25-36:
Issuer
Equivalent
37-42:Reserved
M M Same as 0200
73
Vietnam National Financial Switching Joint-stock Company
Banknetvn
Fiel Data - Element
Attrib
Remarks
d
AC BN BN IS
102 From
Account Ans…28(LLV M M M M Same as 0210.
Identification
AR)
20 zeros will be
added if message
0210
is
not
received
103 To Account Identification Ans…28(LLV M M M M Same as 0210.
AR)
20 zeros will be
added if message
0210
is
not
received
128 Message Authentication an 16
M M M M Value MAC.
Code
3. POS Transaction
3.1.
Balance Inquiry
Field Data - Element
Attrib
Remarks
AC BN IS BN
Balance Inquiry 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
5
6
7
9
10
0200
M M
M M
M 
0210
M M
M M
M 
M  M  30xx00
M  M  “0” will be
added to filled
up the required
number
of
characters
O O O 
O O O 
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
M  M  GMT
Time
(MMDDhhmmss
)
Settlement Conversion n8
O O O 
Rate
Cardholder conversion n8
O O O 
rate
Technical Specifications for Banknetvn System Connectivity v1.6
74
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
38
39
41
42
43
48
49
Banknetvn
Attrib
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Technical Specifications for Banknetvn System Connectivity v1.6
Remarks
AC BN IS BN
M  M 
M  M  GMT +7
M  M  GMT +7
O  O  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
-others for POS
transactions
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
-
-
M 
- - M 
M  M 
M  -
-
M  -
-
-
 C 
M  M 
75
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
50
51
52
53
54
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Additional Amounts
an…040
(LLLVAR)
Account ans…28
(LLVAR)
102
From
Identification
128
Message Authentication an 16
Code
O O O 
O O O 
C  O C -
-
M  Containing
account’s balance
Zeros will be
added if the
transaction is not
successful.
- - M  For unsuccessful
transactions, the
system
may
return the correct
account’s
balance or 20
zeros can be
added.
M  M 
-
-
Purchase
Field Data - Element
Attrib
Remarks
AC BN IS BN
Purchase 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
5
Amount, Settlement
n12
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  00xx00
M  M  There
are
2
decimal digits at
the end.
O O O 
76
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
6
7
9
10
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
38
Banknetvn
Attrib
Cardholder
billing n12
Amount
Transmission Date and n10
Time
(MMDDhhmmss
)
Settlement Conversion n8
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Technical Specifications for Banknetvn System Connectivity v1.6
Remarks
AC BN IS BN
O O O 
M  M  GMT
O O O 
O O O 
M  M 
M  M  GMT +7
M  M  GMT +7
O  M  GMT +7
O M+ M M+ GMT +7
M  M  -6011 for ATM
transactions.
Others for POS
transactions
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
-
-
M  This
field
mandatory
authorised
is
for
77
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
transaction,
especially
for
POS transactions.
39
41
42
43
44
48
49
50
51
52
53
54
55
57
60
61
102
121
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Response data
ans25
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Additional Amounts
an…040
(LLLVAR)
Ic data
b...255
(LLLVAR)
Additional Data Private ans…100
(LLLVAR)
Reserved 1
ans…030
(LLLVAR)
Reserved 2
ans…200
(LLLVAR)
From
Account ans…28
Identification
(LLVAR)
Authorizing
Agent ans…100
Technical Specifications for Banknetvn System Connectivity v1.6
- - M 
M  M 
M  -
-
M  -
-
O  O 
O  O 
M  M 
O O O 
O O O 
C  O C+ -
-
M  Containing
account’s balance
Zeros will be
added
if
the
transaction is not
successful
O  - -
-
-
-
O O
O  O 
O  O 
M  For unsuccessful
transactions, the
system may return
the
correct
account’s balance
or 20 zeros can be
added.
O O O O
-
-
78
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
122
123
128
Identification code
(LLLVAR)
Additional Record Data ans…100
(LLLVAR)
Reserved for future use ans…100
(LLLVAR)
Message Authentication an 16
Code
O O O O
O O O O
M  M 
Purchase Cancellation
Field Data - Element
Attrib
Remarks
AC BN IS BN
Purchase Cancellation 0200/0210
--Message Type
n4
--Primary Bit Map
an 16
1
Secondary Bit Map
an 16
2
Primary
Account n..19
Number (PAN)
(LLVAR)
3
Processing Code
n6
4
Transaction Amount
n12
5
6
7
9
10
11
12
13
15
16
18
Amount, Settlement
n12
Cardholder
billing n12
Amount
Transmission Date and n10
Time
(MMDDhhmmss
)
Settlement Conversion n8
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Date, Settlement
n4
(MMDD)
Date, Conversion
n4
(MMDD)
Merchant Type
n4
Technical Specifications for Banknetvn System Connectivity v1.6
0200
M M
M M
M 
0210
M M
M M
M 
M  M  02xx00
M  M  There are two
decimal digits at
the end.
O  O 
O  O 
M  M  GMT
O  O 
O  O 
M  M  New value
M  M  GMT +7
M  M  GMT +7
O M+ M M+
-
O O 
M  M  -6011 for ATM
79
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
transactions
Others for POS
transactions
19
22
25
26
32
33
35
36
37
38
39
41
42
43
44
48
49
50
51
52
53
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Response data
ans25
Additional Data Private ans…512
(LLLVAR)
Transaction
Currency an3
Code
Settlement
Currency an3
Code
Currency
code, an3
cardholder billing
Pin Data
an16
Security Related Control n16
Information
Technical Specifications for Banknetvn System Connectivity v1.6
O  O 
M  -
-
M  -
-
O  -
-
M  M 
O  O 
C  -
-
O  -
-
Field
Separator
(FS) is “=”.
O  O 
M  M  F38 value is filled
in the related
original
transaction.
- - M 
M  M 
M  -
-
M  -
-
O  O 
O  O 
M  M 
O O O 
O O O 
C  O C+ -
-
80
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
54
Additional Amounts
55
Ic data
57
60
61
90
95
102
121
122
123
128
Banknetvn
Attrib
an…040
(LLLVAR)
b...255
(LLLVAR)
Additional Data Private ans …100
(LLLVAR)
Reserved 1
ans…030
(LLLVAR)
Reserved 2
ans…200
(LLLVAR)
Original Data Element n42
Replacement Amount n42
From
Account ans…28
Identification
(LLVAR)
Authorizing
Agent ans…100
Identification code
(LLLVAR)
Additional Record Data ans…100
(LLLVAR)
Reserved for future use ans…100
(LLLVAR)
Message Authentication an 16
Code
Remarks
AC BN IS BN
- - M  Containing
account’s balance
Zeros will be
added
if
the
transaction is not
successful
O  - -
-
O O
O  O 
O  O 
M  -
-
M  - M  M 
Related original
transaction
information:
Position 1-4: MTI
5-10: DE11
11-20:DE7
21-31:DE32
32-42:DE33
Zeros are added
O O O O
O O O O
O O O O
M  M 
Purchase Reversal /Purchase Cancellation Reversal//Void - debit
Field Data - Element
Attrib
Remarks
AC BN IS BN
Purchase Reversal Advice /Purchase Cancellation Reversal Advice 0420/0430
--Message Type
n4
420 430 42 430
0
--Primary Bit Map
an 16
M M M M
1
Secondary Bit Map
an 16
M M M M
2
Primary
Account n..19 (LLVAR) M M M M Same as 0200
Number (PAN)
Technical Specifications for Banknetvn System Connectivity v1.6
81
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
3
4
7
11
12
13
15
18
19
32
33
37
38
39
41
42
43
49
90
Banknetvn
Attrib
Remarks
AC
M
M
M
Processing Code
n6
Transaction Amount
n12
Transmission Date and n10
Time
(MMDDhhmmss
)
System Trace Audit n6
M
Number
BN
M
M
M
IS
M
M
M
BN
M Same as 0200
M Same as 0200
M GMT
M
M M
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
M
M
M M
0420 same as
0200 or new
value.
0430 same as
0420.
Same as 0200
M
M
M M
Same as 0200
O
M+ M M+ GMT +7
M
O
M
O
M M
O O
Same as 0200
Same as 0200
M
M
M M
Same as 0200
O
O
O O
Same as 0200
O
O
O O
Same as 0200
-
-
O M
Same as 0210
-
M
-
Card Acceptor Terminal ans8
Identification
Card
Acceptor ans15
Identification Code
Card Acceptor Name ans40
and Location
Transaction Currency an3
Code
Original Data Element n42
M
M
M M
Response
value:
-Approve.
- Reject.
Same as 0200
M
-
M -
Same as 0200
M
-
M -
Same as 0200
M
M
M M
Same as 0200
M
-
M -
Original
transaction
value:
Position
1-4:
MTI
Technical Specifications for Banknetvn System Connectivity v1.6
M
82
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN IS BN
95
Replacement Amount
n42
102
From
Identification
128
Message Authentication an 16
Code
Account ans…28
(LLVAR)
M
-
M -
M
M
M M
M

M 
5-10: DE11
11-20:DE7
21-31:DE32
32-42:DE33
Used for partial
reversal
or
reversal.
Zeros will be
filled up for
reversal.
Position 1-12:
Actual
transaction
amount
13-24: Actual
payment
amount
25-36: Issuer
Equivalent
37-42:Reserved
Same as 0210.
20 zeros will be
added
if
message 0210
is not received.
Value MAC.
Refund
Field Data - Element
Attrib
Remarks
AC BN BN IS
Refund 0220/0230
--Message Type
--1
2
n4
3
4
Primary Bit Map
an 16
Secondary Bit Map
an 16
Primary
Account n..19
Number (PAN)
(LLVAR)
Processing Code
n6
Transaction Amount
n12
5
6
Amount, Settlement
n12
Cardholder
billing n12
Technical Specifications for Banknetvn System Connectivity v1.6
22
0
M
M
M
23
0
M
M
M
22
0
M
M
M
23
0
M
M
M
M M M M 20xx00
M M M M There
are
2
decimal digits at
the end.
O O O O
O O O O
83
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN BN IS
7
9
10
11
12
13
14
15
18
19
22
25
26
32
33
35
36
37
38
39
41
Amount
Transmission Date and n10
Time
(MMDDhhmmss
)
Settlement Conversion n8
Rate
Cardholder conversion n8
rate
System Trace Audit n6
Number
Time, Local Transaction n6
(hhmmss)
Date, Local Transaction n4
(MMDD)
Expiration Date
n4
(YYMM)
Date, Settlement
n4
(MMDD)
Merchant Type
n4
Accepting
Institution n3
Country code
Point of Service Entry n3
Mode Code
Point
of
Service n2
Condition Code
Point of Service Pin n2
Capture Code
Accepting
Institution n..11
Identification Code
(LLVAR)
Forwarding Institution n..11
Identification Code
(LLVAR)
Track 2 data
z..37
(LLVAR)
Track 3 data
z...104
(LLLVAR)
Retrieval
Reference an12
Number
Authorization
an6
Identification Response
Response Code
an2
Card Acceptor Terminal ans8
Technical Specifications for Banknetvn System Connectivity v1.6
M M M M GMT
O O O O
O O O O
M M M M
M M M O GMT +7
M M M O GMT +7
O O O O GMT +7
O M+ M M GMT +7
M M M M -6011 for ATM
transactions.
Others for POS
transactions.
O O O O
M -
M -
M -
M -
O O O O
M M M M
O O O O
C -
C -
Field
Separator
(FS) is “=”.
O O O O
O O O O
C C C C
- M - M
M M M M
84
Vietnam National Financial Switching Joint-stock Company
Field Data - Element
Banknetvn
Attrib
Remarks
AC BN BN IS
Identification
42
Card
Acceptor ans15
Identification Code
43
Card Acceptor Name ans40
and Location
48
Additional Data Private ans…512
(LLLVAR)
49
Transaction
Currency an3
Code
50
Settlement
Currency an3
Code
51
Currency
code, an3
cardholder billing
52
Pin Data
an16
53
Security Related Control n16
Information
60
Reserved 1
ans…030
(LLLVAR)
61
Reserved 2
ans…200
(LLLVAR)
90
Original Data Element n42
102 From
Account ans…28
Identification
(LLVAR)
121 Authorizing
Agent ans…100
Identification code
(LLLVAR)
122 Additional Record Data ans…100
(LLLVAR)
123 Reserved for future use ans…100
(LLLVAR)
128 Message Authentication an 16
Code
4. Networks Message
4.1. Key exchange
Field
Data - Element
----1
7
11
32
M -
M -
M -
M -
O O O O
M M M M
O O O O
O O O O
C 
C - C+ O  O 
O  O 
O  - - -
O O O O
O O O O
O O O O
M  M 
Attrib
Message Type
N4
Primary Bit Map
an 16
Secondary Bit Map an 16
Transmission Date n10
and Time
System Trace Audit n6
Number
Accepting
n..11
O
Remarks
Sender
0800
M
M
M
Receiver
0810
M
M
M
GMT
M
M
M
M
Technical Specifications for Banknetvn System Connectivity v1.6
85
Vietnam National Financial Switching Joint-stock Company
39
48
53
70
Institution
(LLVAR
Identification Code )
Response Code
an2
Additional
Data absn..512 M
Private
Security
Information
Network
Management
Information Code
Banknetvn
M
M
n16
O
O
n3
M
M
4.2. SignOn, SignOff, Echo-test
Field
Data - Element
Attrib
----1
7
11
32
39
70
Message Type
N4
Primary Bit Map
an 16
Secondary Bit Map an 16
Transmission Date n10
and Time
System Trace Audit n6
Number
Accepting
n..11
Institution
(LLVAR
Identification Code )
Response Code
an2
Network
n3
Management
Information Code
1) Key Value (16H) for
single length:
Pos 1-6, key type:
ZPK16H – Zone PIN
Key
MAK16H – Message
Authentication Key
Pos 7-22, Key Value
2) Key Value (32H) for
double length:
Pos 1-6, key type:
ZPK32H – Zone PIN
Key
MAK32H – Message
Authentication Key
Pos 7-38, Key Value
161 – Key Exchange
Remarks
Sender
0800
M
M
M
Receiver
0810
M
M
M
GMT
M
M
M
M
M
M
M
Technical Specifications for Banknetvn System Connectivity v1.6
001 – Sign on
002 – Sign off
301 – Echo test
86
Vietnam National Financial Switching Joint-stock Company
Banknetvn
CHAPTER 4: DATA ELEMENTS
Almost all of data elements are of fixed length. The actual length of any
given variable length data elements is provided in its fixed length prefix.
1. The data elements include:
No.
1
2
Data Elements
Bit map, Primary
Bitmap, Secondary
3
DE
#2:
Account
(PAN)
4
5
6
7
8
9
10
11
12
13
14
15
16
17
Attribute
bs-16
bs-16
n-6
Length
16
16
Variable length, two more
leading characters are
added in front of this field
to define the length of the
element.
6
n-12
12
n-12
12
n-12
12
Primary
Number n...19; LLVAR
DE #3: Processing
Code
DE #4: Transaction
Amount
DE #5: Settlement
amount
DE #6: Equivalent
Amount (Cardholder
Billing)
DE #7: Transmission
Date and Time
n-10;
MMDDhhmms
s
DE #9: Settlement n-8
conversion rate
DE #10: Conversion n-8
Rate
(Cardholder
Billing)
DE #11: System Trace n-6
Audit Number
DE
#12:
Local n-6; hhmmss
Transaction Time
DE
#13
Local n-4; MMDD
Transaction Date
DE #14: Expiration n-4; YYMM
Date
DE #15: Settlement n-4; MMDD
Date
DE #18: Merchant n-4
Type
DE #19: Acquiring n-3
Institution
Country
Code
Technical Specifications for Banknetvn System Connectivity v1.6
10
8
8
6
6
4
4
4
4
3
87
Vietnam National Financial Switching Joint-stock Company
No.
18
19
20
Data Elements
DE #22: Point-ofService Entry MoBM #
DE #25: Point-ofService
Condition
Code
DE #26: Point-ofService PIN Capture
Code
Attribute
n-3
Length
3
n-2
2
n-2
2
an-12
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
12
an-6
6
an-2
2
ans-8
8
ans-15
15
ans-40
40
ans..512,
LLLVAR
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
21
DE #32: Acquiring
n..11; LLVAR
Institution Code
22
DE #33: Forwarding
Institution
n..11; LLVAR
Identification
23
DE #35: Track-2 Data
z...37; LLVAR
DE #36: Track-3 Data
z...104;
LLLVAR
24
25
26
27
28
29
30
DE #37: Retrieval
reference number
DE #38: Authorization
identification response
DE #39: Response
Code
DE #41 Card Acceptor
Terminal Identification
DE #42 Card Acceptor
Identification Code
DE #43 Card Acceptor
Name/Location
DE #48: Additional
data private
Banknetvn
31
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
No.
32
33
34
35
36
Data Elements
DE #49 Currency
Code, Transaction
DE #50: Settlement
currency code
DE #51: Cardholder
billing currency code
DE
#52
Personal
Identification Number
(PIN) Data
DE #53:
Security
related
control
information
DE #54: Additional
amount
Banknetvn
Attribute
n-3
Length
3
an-3
3
an-3
3
an-16
16
n-16
16
an..120,
LLLVAR
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
37
DE #55 :
b…255,
Integrated Circuit Card LLLVAR
(ICC) System-Related
Data
38
DE #57: : Additional ans..100,
data private
LLLVAR
DE #60: Reserved
ans..030,
LLLVAR
DE #61: Reserved
ans..030,
LLLVAR
DE #65: Bit map,
Extended
DE #70: Network
Management
Information Code
DE #90: Original Data
Elements
DE #95: Replacement
AN-16
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
16
n-3
3
n-42
42
n-42
42
39
40
41
42
43
44
45
Technical Specifications for Banknetvn System Connectivity v1.6
89
Vietnam National Financial Switching Joint-stock Company
No.
Data Elements
Amount
Attribute
46
DE #100: Receiving
Institution
n...11; LLVAR
Identification Code
47
DE #102: Account ans...28;
Identification-1
LLVAR
48
DE #103: Account ans...28;
Identification-2
LLVAR
DE #108: Additional ans..999,
data private
LLLVAR
49
50
DE #121: Authorizing
ans...100;
Agent
Identification
LLLVAR
Code
51
DE #122: Additional ans…100;
Record Data
LLLVAR
52
DE
#123-125:
ans...999;
Reserved for future
LLLVAR
definition
53
DE #128: Message an-16
Authentication Code
Banknetvn
Length
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; two more
leading characters are
added in front of this field
to define the length of the
element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
Variable length; three
more leading characters
are added in front of this
field to define the length
of the element.
16
The interpretations of the above attribute signs are as follows:
a : Alphabetic characters.
n : Numeric characters.
an : Alpha or numeric characters.
as : Alpha or special characters.
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
ns : Numeric or special characters.
ans : special characters, alpha or numeric characters
MM : Month.
DD : Day.
YY : Year.
hh : Hour.
mm : Minute.
ss : Seconds.
LL,LLL : The allowed variable length of field. In case of LL, the length may
be 0 to 99. In case of LLL, the length may be 0 to 999. Refer to Bitmap 2
(DE #2) for example of LL.
VAR : Variable length data field, to indicate the variable length field, in each
message, there will be 2 or 3 leading characters added to each field (the 2 or
3 characters are LLVAR or LLLVAR) to define the number of characters.
..n: Length of this field is variable with n is the maximum.
z : Code at Tracks 2 & 3 as defined in ISO 7811 and ISO 7813.
b : Binary field.
2. Description of data elements
Primary Bitmap
-
Attribute: BS-16
-
Length: 16 bytes
The primary bitmap is mandatory in all messages in order to identify the
presence and absence of data fields. The bits are interpreted from the left to
the right, bit of value “1” indicates the presence of the data element
corresponding to that bit position; bit of value “0” indicates the absence of
the corresponding data element.
The first position bit of this field indicates the presence or absence of the
secondary bitmap. “0” indicates the absence and “1” indicates the presence of
the secondary bitmap.
Secondary Bitmap
-
Attribute: BS-16
-
Length: 16 bytes
This field demonstrates the data elements in the positions from 65 to 128.
The description of this field is similar to the Primary Bitmap.
DE #2: Primary Account Number (PAN)
-
Attribute: n…19, LLVAR
-
Length: 2 byte plus data.
Technical Specifications for Banknetvn System Connectivity v1.6
91
Vietnam National Financial Switching Joint-stock Company
Banknetvn
This field demonstrates the PAN of cardholder. This field is used for all
account numbers with the length up to 19 digits. The Switches will require
this field in the incoming 01xx, 02xx, 04xx and 08xx transaction messages.
PAN is also used for routing the transaction messages by the Switch.
For example, to demonstrate a PAN with the value of
“2727279000147221”,
the
value
of
this
field
will
be
“162727279000147221”. The position “16” is to define that there are 16
digits following up.
DE #3: Processing Code
-
Attribute: n-6
-
Length: 6 bytes
This field is required in all 01xx, 02xx, 04xx and 06xx transaction
messages. The processing code is used by Switches to define the requested
transaction type. This field consists of three sub-elements as follows:
o 2 digits of transaction type processing code
o 2 digits for “from account”
o 2 digits for “to account”
Positions 1 & 2 (Transaction type)
Value
Definition
00
Goods and Services Purchase
01
Withdrawal
09
21
Purchase of Goods and Services
with Cash Back.
Deposit
30
Balance Inquiry
35
Mini-statement
39
Beneficiary Account Inquiry
40
Transfer / Account Transfer
41
Transfer / Account Transfer
42
Transfer / Account Transfer
48
Transfer / Account Transfer
92
Verify PIN
94
PIN Change
95
Terminal Request
Description
Request from terminals to
allow
upgrade
on
the
terminals
Technical Specifications for Banknetvn System Connectivity v1.6
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Vietnam National Financial Switching Joint-stock Company
Banknetvn
Positions 3 & 4 (From Account Type) and positions 5 & 6 (To Account Type)
Value
00
Definition
Default Account
Description
10
Savings Account
20
Current Account
30
Credit Card Account
38
Credit Line Account
40
Universal Account
50
Money Market Account
58
Investment Account
90
Loan Accounts
99
Fast Cash Account
Example: to indicate a funds transfer from a saving account to a
current account, the value of this field is:
40
10
20
Funds transfer

current account
saving account

DE #4: Transaction Amount
-
Attribute: n-12
-
Length: 12 bytes
This field represents the transaction amount requested by the cardholder in
the currency of the acquirer at the point of service. The transaction amount
field always indicates the original transaction amount (the first initiated
amount of the transaction). This field can also be used in combination with
DE#95 (Replacement Account) to indicate the reversal or adjustment
amount.
The currency must be specified in DE #49 (Currency Code) and the Switch
will refer to this currency as the currency of the acquirer or currency of the
transaction at the point of service.
Technical Specifications for Banknetvn System Connectivity v1.6
93
Vietnam National Financial Switching Joint-stock Company
Banknetvn
The amount in this field is filled up with “0” and right indented; the defined
space for decimal number is applicable for this transaction amount field
(Banknetvn specifies two digits for decimal number).
For example, when we want to demonstrate an amount of “200,000 VND”,
the value of transaction amount field will be 000020000000 (it should be
noted that there is space of two digits for decimal number). The value of
currency code field is 704 to define that the currency is VND.
DE #5: Settlement Amount
-
Attribute: n-12
-
Length: 12 bytes
Settlement amount shall be specified by transaction amount (DE #4) *
settlement conversion rate (DE #9)., exclusive service fee in this field.
The last two digits are for the decimal, right indented and filled up with “0”
if necessary for the length of the field.
The related fields which shall be present in this message are DE #9 and
DE50. For example, to demonstrate an amount of 423.92 US$, the value of
this field is “000000042392”.
This field is filled up by Banknetvn in financial messages at its discretion.
DE #6: Equivalent Amount (Cardholder Billing)
-
Attribute: n-12
-
Length: 12 bytes
If a transaction initiated at the card acceptor using a currency different from
the currency of the cardholder, this field demonstrate the amount billed to
the cardholder in the country of the cardholder account. This field
demonstrates the transaction amount which is converted from the local
currency where the transaction is initiated to the billing currency of
cardholder. The conversion rate is specified in DE#10.
The Equivalent Amount field is filled with “0” and right indented. It is
noted that the two digits on the right is for decimal number as per default.
For example, to demonstrate an amount of US$ 423.92, the value of this
field is “000000042392”.
DE #7: Transmission Date and Time
-
Attribute: n-10, MMDDhhmmss
-
Length: 10 bytes
This field is required in all messages to present date and time of
transmission under the GMT +0 format right after the transaction is sent in
Technical Specifications for Banknetvn System Connectivity v1.6
94
Vietnam National Financial Switching Joint-stock Company
Banknetvn
the electronic funds transfer network. Once this field is set up, it shall be
remained unchanged until the transaction is completed.
For example, to demonstrate May 6, 2 hour 30 minute and 37 second PM,
this field will be “0506143037”.
DE #9: Settlement Conversion Rate
-
Attribute: n-8
-
Length: 8 bytes
This field is used for conversion from transaction amount to settlement
amount. The value of this field is right indented with no decimal position.
The decimal position is from the left, the digit from 2 to 8 position defines
the conversion rate. For example, the value of this field of 71212345 will
demonstrate the conversion rate of 0.1212345.
This field will be filled up by Banknetvn.
The related field which shall be present in the message are DE #4, DE #5
and DE50.
DE #10: Conversion Rate (Cardholder Billing)
-
Attribute: n-8
-
Length: 8 bytes
In the event that the currency at the terminal where the transaction is
initiated is different from the currency of cardholder, this field
demonstrates the conversion rate used to convert the transaction amount
from the currency at the card acceptor to the currency of the cardholder
account. The result of the conversion is presented in DE #6 (Equivalent
Amount (Cardholder Billing)).
The format of this field is “xnnnnnn”, where x is digit from “0” to “7” to
define the number of positions that the decimal separator is moved from the
right.
For example, to demonstrate the conversion rate of 7.123890, the value of
this field is “67123890”.
DE #11: System Trace Audit Number
-
Attribute: n-6
-
Length: 6 bytes
This field is required in all messages. This is the unique number within a
day for a set of acquirer/terminal, originated from the acquirer. It should be
highlighted that this number is not enough to define the uniqueness of a
transaction. This is because the Switch can accept messages from multiple
networks, therefore, some transactions can have the same system trace
Technical Specifications for Banknetvn System Connectivity v1.6
95
Vietnam National Financial Switching Joint-stock Company
Banknetvn
audit number. This field remains unchanged throughout the life cycle of the
transaction (until the transaction is completed).
This field is right indented and filled with “0”.
DE #12: Local Transaction Time
-
Attribute: n-6, hhmmss
-
Length: 6 bytes
This field denotes the local time at card acceptor location when the
transaction takes place. This field is required in all financial transaction
messages (02xx) but optional in authorization messages (01xx). If the
authorization message 01xx does not consist of DE #12, the Switch will
generate a value to denote the local time at the card acceptor location.
For example, to denote 5:14:53 PM, the value of the local transaction time
field is “171453”.
DE #13 Local Transaction Date
-
Attribute: n-4, MMDD
-
Length: 4 bytes
This field specifies the local transaction date at the card acceptor location
when the transaction takes place. This field is required in all financial
transaction messages (02xx) but optional in authorization messages (01xx).
If the authorization message (01xx) does not consist of DE #12, the Switch
generates a value to demonstrate the local date at the card acceptor
location.
For example, the value of the local transaction date field is “0318”to
demonstrate March 18.
DE #14: Expiration Date
-
Attribute: n-4, YYMM
-
Length: 4 bytes
This field is used to define the expiration date of the card. This field is
required if the card acceptor cannot capture the data on Track 1 or Track 2
as well as in case of voice authorization. If card acceptor can capture data
on Track 1 or Track 2, this field is optional.
This field specifies the date after which the card will expire.
For example, if the card expires in July 2004, the field is “0407”.
DE #15: Settlement Date
-
Attribute: n-4, MMDD
-
Length: 4 bytes
Technical Specifications for Banknetvn System Connectivity v1.6
96
Vietnam National Financial Switching Joint-stock Company
Banknetvn
This field is set up by the Switch in compliance with the following
principles:
o If the transaction is accepted by a network and this network supports a
settlement date, the Switch will use that date. (the network is connected
via an intermediary Switch like Banknetvn);
o If the transaction is accepted by the Switch, the date generated from the
parameters will be established for the acquirer (the terminal owner).
In both cases above, this field displays the settlement date between the
acquirer and the issuer.
For example, if the settlement date is April 12, the value of the settlement
date field is “0412”.
DE #18: Merchant Type
-
Attribute: n-4
-
Length: 4 bytes
This field is required in all 0100/0120 and 0200/0220 messages and used to
indicate service supplying device type when required service is made.
Financial switch will use this value to define the validity of the required
transaction. Merchant Category Code (MCC) provides the value to each
applied transaction acceptance device.
For transaction accepted at ATM, Merchant Type is 6011.
DE #19: Acquiring Institution Country Code
-
Attribute: n-3
-
Length: 3 bytes
This field contains the code of the country of the acquirer. This is a
financial institution in charge of managing merchants or ATMs.
The value of this field must comply with the ISO 3166 on country code.
DE #22: Point-of-Service Entry Mode
-
Attribute: n-3
-
Length: 3 bytes
This field indicates the method used to capture the PAN into the terminal
device and the PIN entry capability of that device. It is divided into 2 subfields for the following purposes:
Positions 1 & 2
Value
Definition
Description
Technical Specifications for Banknetvn System Connectivity v1.6
97
Vietnam National Financial Switching Joint-stock Company
00
PAN Entry mode unknown
01
PAN was manually entered
02
PAN was entered using
stripe reader
PAN was entered using bar
code reader
PAN was entered using
optical character reader
(OCR)
PAN was entered using
integrated circuit card (IC)
PAN was entered using the
contactless M/Chip
PAN was entered using
electronic
commerce,
including chip
PAN was entered using
contactless magnetic stripe
03
04
05
07
81
91
Banknetvn
Position 3
Value
0
1
2
3
4
8
9
Definition
Description
PIN capability unknown
Terminal has PIN capability
Terminal does not have PIN
capability
Terminal has contactless
M/Chip capability
Terminal has Contactless
Magnetic Stripe capability
Terminal has PIN capability Terminal has PIN capability but not
but PIN pad inoperative
integrated with EPP (PIN Pad)
PIN has already been PIN is verified and checked at the
verified by terminal
terminal, for Chip Card.
The position 3 indicates the capability of the terminal to allow the
cardholder to enter the PIN or not. This field will have value of “021” for
all ATM transactions.
For example, the value of this field will be “012” for voice authorization.
DE #25: Point-of-Service Condition Code
-
Attribute: n-2
-
Length: 2 bytes
Value
Definition
Description
Technical Specifications for Banknetvn System Connectivity v1.6
98
Vietnam National Financial Switching Joint-stock Company
00
Normal transaction
01
Customer not present
03
05
Merchant
suspicious of
transaction
Customer present but card
08
Mail/telephone order
10
Customer identity verified
51
Verification request
Banknetvn
Normal transaction means that there
is the presence of both cardholder
and card. This value is usually used
on ATM.
This field is used to define the condition under which the transaction takes
place. The Switch uses this field to confirm the validity of the required
transaction. The values of this field are defined as below:
For all ATM transactions, this field must have value of “00”.
DE #26: Point-of-Service PIN Capture Code
-
Attribute: n-2
-
Length: 2 bytes
This field describes a code used to define the maximum digits of PIN
accepted by the terminal and to construct PIN Block data. This field must
contain the real number of the digits of PIN in case it is less than 04 or
more than 12.
This field representation is right indented and filled up with "0".
DE #32: Acquiring Institution Code
-
Attribute: n..11, LLVAR
-
Length: 2 byte plus data
This field is required in all messages, which indicates the acquirer’s ID
number and it is used by the Switch to determine the routing. The values of
this field are specified as follows:
o Switch has a list which is combined in BIN table to fill in this field
for routing;
o Acquirer’s switch itself provides the value of this field. In this case,
acquirer’s switch uses information from profile of terminals to
generate the value;
This field contains 2 bytes in length with “0” filled and right indented. The
length of this field is variable and may contain up to 11 digits.
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To demonstrate an ID number of 9704xx, the value of this field will be
“069704xx”.
Member Banks
BIN
ICB/Vietinbank
970489
BIDV
970488
VBARD/AGRIBAN
K
970499
SAIGONBANK
161087
This will be 9704xx in
compliance with Common
General Regulations.
A 179200
This will be 9704xx in
compliance with Common
General Regulations.
SACOMBANK
627128
This will be 9704xx in
compliance with Common
General Regulations.
ACB
970418
EAB/DONG
BANK
Description
DE #33: Forwarding Institution Code
-
Attribute: n..11, LLVAR
-
Length: 2 byte and information.
This field contains 2 bytes in length with “0” filled and right indented.
The length of this field is variable and may contain up to 11 digits.
To demonstrate an ID number of 9704xx, the value of this field will be
“069704xx”.
The ID of a forwarding institution.
DE #35: Track-2 Data
-
Attribute: z..37, LLVAR
-
Length: 2 byte plus data
This field contains Track 2 data, which is captured by the terminal. Start
sentinel, end sentinel and check sentinel are omitted from Track 2 data.
Track 2 should comply with ISO 7813.
DE #36: Track-3 Data
-
Attribute: z..104, LLLVAR
-
Length: 3 byte plus data
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This field contains Track 3 data, which is captured by the terminal. Start
sentinel, end sentinel and check sentinel are omitted from Track 3 data.
Track 2 should comply with ISO 4909-1986.
DE #37: Retrieval reference number
-
Attribute: an12
-
Length: 12 bytes.
The Retrieval Reference Number (DE 37) is a document reference number
supplied by the system retaining the original source document of the
transaction. It is used to assist in locating that source document or a copy
thereof.
This data element is reserved for use by the acquiring institution (or an
affiliated merchant organization) for the purpose of recording a document
retrieval reference number. The number can be used to locate original
cardholder transaction information in subsequent retrieval request or any
subsequent chargeback action.
The issuer in all corresponding response messages and in any subsequent
chargeback action must return DE 37. The retrieval reference number
should be printed on a customer’s ATM or POS receipt.
This data element is left-justified and blank-filled.
DE #38: Authorization Identification Response
-
Attribute: an6
-
Length: 6 bytes.
The Authorization Identification Response (DE 38) is a transaction
response identification code assigned by the authorizing institution
DE #39: Respone Code
-
Attribute: an-2
-
Length: 2 bytes
This field is present in all response messages to define whether the
transaction is approved or rejected. There is a collection of response code
values corresponding to each specific circumstance in transaction
processing.
DE #41 Card Acceptor Terminal Identification
-
Attribute: ans-8
-
Length: 8 bytes
This field is used to identify a card acceptor of the acquirer, for whom this
terminal must be unique.
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This field contains 08 characters:
o 04 first characters to identify the code of the branch
o 04 last characters to identify the code of the card acceptor.
DE #42 Card Acceptor Identification Code
-
Attribute: ans-15
-
Length: 15 bytes
This field is used as a “merchant ID” to identify a unique merchant in POS
transactions.
DE #43 Card Acceptor Name/Location
-
Attribute: ans-40
-
Length: 40 bytes
Card Acceptor Name/Location field contains information about the name of
the bank, location of the card accepting terminal. All of the messages
required in financial transactions must contain this data.
The structure of this field is as follows:
Position
Length
Description
1-22
22 bytes
Name of bank
23
1 byte
Space
24-36
13 bytes
Identifying the terminal location
37
1 byte
Space
38-40
3 bytes
code of Vietnam is 704
Country
Code.
Country
DE #48 Additional Data, Private
-
Attribute: ans..512, LLLVAR
-
Length: 3 bytes plus data.
1) For mini Statement.
- supporting 10 records in maximum.
- each block uses the following formats
Position
Value
1-6 Date
7 Space
8-11 Description
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12 Space
13-24 Amount
25 Space
26-37 Balance
38
Carriage Return (the 13nd in ASCII)
Notes:
The Date has the format of YYMMDD.
The Amount contains transaction value, has two decimal digits. The
Amount is packed with leading zeroes to fill up the required number of digits.
The Balance contains account balance after a transaction is done, has two
decimal digits. If the Balance sub-field length is less than 12 characters, leading
zero(s) will be added to fill up the required number of characters. If the Amount
length is more than 12 character (balance amount is more than 9,999,999,999.99),
the sub-field value shall be replaced by E00000000000 to inform the cardholder of
the digit overflow (the balance amount is equal or more than 10 billion VND).
The Carriage Return should be replaced by “;” in the last block.
The Description -should be left-indented.
2) For IBFT transaction
Beneficiary account /PAN holder name
3) For Key exchange
1) Key Value (16H) for single length:
Pos 1-6, key type:
ZPK16H – Zone PIN Key
MAK16H – Message Authentication Key
Pos 7-22, Key Value
2) Key Value (32H) for double length:
Pos 1-6, key type:
ZPK32H – Zone PIN Key
MAK32H – Message Authentication Key
Pos 7-38, Key Value
DE #49 Currency Code, Transaction
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-
Attribute: n-3
-
Length: 3 bytes
Banknetvn
This field contains 3 digits, presenting in financial transactions, used to
identify the currency code for DE #4 (transaction amount).
E.g: Currency code of Vietnam is 704
DE #50 Settlement Currency code
-
Attribute: an3
-
Length: 3 bytes
Fixed length with 3 numeric or alpha digits.
Settlement currency is used to specify the currency in field 5 (settlement
amount).
Refer to ISO 4217 for more information about currency code of each
country.
DE #51 Cardholder billing Currency code
-
Attribute: an3
-
Length: 3 bytes
Fixed length with 3 numeric or alpha digits.
The currency in the billing of the cardholder.
Refer to ISO 4217 for more information about currency code of each
country.
This field shall be only in the cross border transaction. This field is filled
by the processing center and used to identify the currency code in field 6
(Amount, Cardholder Billing).
If field 6 presents, the field shall be in the message.
DE #52 Personal Identification Number (PIN) Data
-
Attribute: an-16
-
Length: 16 bytes
Personal Identification Number is entered by the cardholder at the terminal.
PIN is left indented, padded with “F” digit to generate the PIN block and
encrypted by Communication Encryption Key.
(Refer to “PIN encryption and key management” for more details)
DE #53 Security Related Control Information
-
Attribute: n-16
-
Length: 16 bytes
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This field relates to the security.
Reserved for future.
DE #54 Additional Amount
-
Attribute: an..120, LLLVAR
-
Length: 3 bytes plus data.
The system supports 2 balances in maximum. Each balance is presented in
a field of 20 bytes of length. The format of this field is as follows:
Subfield Position Format
o
1 o
1 n-2
-2
2
3-4
n-2
Definition
Account Type
10 – Savings; 20 – Current; 00 - Default
Amount Type
01 – Ledger Balance
02 – Available Balance
3
5-7
n-3
Currency Code
4
8
X
C – Credit
D – Debit
9-20
n-12
Amount (with 2 decimal positions). If the
Balance sub-field length is less than 12
characters, leading zero(s) will be added
to fill up the required number of digits. If
the Amount length is more than 12
digits (balance amount is more than
9,999,999,999.99), the sub-field value
shall be replaced by E00000000000 to
inform the cardholder of the digit
overflow (the balance amount is equal
or more than 10 billion VND).
Note: Banknetvn system will support 2 types of balances, the first block (20
bytes) of field 54 contains the available balance and the second block contains the
ledger balance of the account. If member banks provide only one field on balance,
the remaining field will be the same amount of that such field.
If the transaction is unsuccessful, “0” will be filled in F54 (40 times of “0”)
“0000000000000000000000000000000000000000”
DE #55 IC Data
-
Attribute: b…255, LLLVAR
-
Length: 3 bytes plus data.
Reserved for future.
DE #57 Additional Data Private
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-
Attribute: ans…100, LLLVAR
-
Length: 3 bytes plus data
Banknetvn
Reserved for future.
DE #61 Reserved
-
Attribute: ans…030, LLLVAR
-
Length: 3 bytes plus data
Reserved for future.
DE #62 Reserved
-
Attribute: ans…030, LLLVAR
-
Length: 3 bytes plus data
Reserved for future.
DE #65 - Bitmap extended
DE #65 is an extended bitmapconsisting a set of 64 bit to identify the
presence or absence of each BM in the extended message segments (the
third segment).
-
Attribute: b-64
-
Normally, the third message segment is not used and bit 65 (in
secondary bitmap) has value 0.
DE #70 – Network Management Information Code
This field is required in network management messages (08xx). This field
indicates the type of the network management request message which is
being processed. The table of values and attributes is as follows:
Code
001
002
301
161
-
Attribute: n-3
-
Values:
Description
Sign on
Sign off
Echo Test
Encryption Key Exchange
DE #90 – Original Data Elements
-
Attribute: n-42
-
Length: 42 bytes.
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DE #90 is data element of the original message included in reversal or
adjustment messages, used to refer to the original transaction affected by
the new transaction.
The mentioned below messages consist of DE #90:
o
Acquirer reversal advices/0420
o
Issuer reversal advices/0422
o
Financial transaction advices/0220
o
Switch reversal advices
Value:
The data element is consisted of 5 subfields with fixed length. Each
subfield contains numeric digits, right indented and filled up with leading
zeroes.
The attribute of this field is described below:
Subfiel Positio
d
n
o
1 o
1
-4
2
5-10
3
11-20
Format Definition
4
21-31
n-11
5
32-42
n-11
n-4
Original message type identifier)
n-6
n-10
Original trace number (DE#11)
Original transmission date and time.
Format MMDDHHMMSS
Original transmission date and time
(DE#7)
Original acquiring institution code
(DE# 32)
Original forwarding institution code
(DE #33 – the code of Banknetvn:
970411)
DE #95 – Replacement Amount
-
Attribute: n-42
-
Length: 42 bytes.
This field is required in all 04xx messages. It consists of the actual amount
to execute a partial or full reversal in a financial transaction. Besides, this
field can be used in 0220 messages.
This data element consists of 4 sub-elements:
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Type
Description
n-12
The actual transaction amount
n-12
The actual payment amount
X+12
Issuer equivalent
X+6
For future use
Banknetvn
Note: This field is mandatory for withdrawal reversal request; for
withdrawal full reversal transaction, this field will be padded with all
zeroes for indication.
DE #100 – Receiving Institution Identification Code
-
Attribute: n..11, LLVAR
-
Length: 2 bytes plus data.
This field is used to identify the destination of management messages (06xx).
In terms of these messages, the forwarding institution identification code
(DE #33) is assigned with the message sender, the message receiver is
identified by DE#100.
Banknetvn uses this field to identify the beneficiary bank in IBFT
transactions.
DE #102 – Account Identification 1
-
Attribute: ans..28, LLVAR
-
Length: 2 bytes plus data
This field is a series of digits used to identify the cardholder account or the
relationship with that account. It is used to nominate the “From Account” in
a transaction.
The issuer can use DE #102 in authorization response (0110) or in the
response for a financial transaction (0210) to identify the account type of
“From Account” of a specific cardholder in a transaction. The acquirer can
use DE #102 as information to print out on the receipt for the cardholder.
“From Account” is the account defined by the positions 3 and 4 of the
Processing code (DE #3).
DE #103 – Account Identification 2 - (To Account)
-
Attribute: ans..28, LLVAR
-
Length: 2 bytes plus data.
DE #103 is a series of digits used to identify the customer account or the
relationship with that account. It is used to identify the “To account” in a
transaction.
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The acquirer can use DE #103 in authorization response (0110) or financial
response (0210) to identify the account type of “To Account” of a specific
cardholder in a transaction. The acquirer can use DE #103 as information to
print out on the receipt for the cardholder.
“To Account” is the account defined by the positions 5 and 6 of the
Processing code DE #3.
DE #108 Additional Data, Private
-
Attribute: ans..512, LLLVAR
-
Length: 3 bytes plus data.
- Support 3 blocks
- Each block separated by Carriage Return.
Subfield Position Format
Definition
1
Sender name
CR
2
Content
CR
3
Reversed
;
The Carriage Return should be replaced by “;” in the
last block.
For example
PHAM VAN A ch(13) Thanh toan tien nha thang 9;
PHAM VAN A ch(13) Thanh toan tien nha thang 9 ch(13) Dia chi Cau
giay Ha noi;
DE #121 – Authorizing Agent Identification code
-
Attribute: ans..100, LLLVAR
-
Length: 3 bytes plus data.
DE #121 identifies the agent approving or rejecting the transaction request.
When the Switch in Stand-In processing mode performs an authorization or a
financial transaction on behalf of an issuer, it must insert this DE into the
response message and in any advice message transmitted to the issuer. This
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procedure ensures that a transaction audit trail will clearly identify the
authorizing agent that approved the transaction.
DE #122 – Additional Record Data
-
Attribute: ans..100, LLLVAR
-
Length: 3 bytes plus data.
Normally, this data element does not have a specific format and its length is
variable by different systems.
DE #123– Reserved for future use
-
Attribute: ans..999, LLLVAR
-
Length: 3 bytes plus data.
These data elements are reserved for the future definition and used privately
by organizations.
DE #128 – Message Authentication Code
-
Attribute: an-16,
-
Length: 16 bytes.
This field is used to check the data integrity and the origin of the message
between the sender and the receiver.
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CHAPTER 5: TECHNICAL REQUIREMENTS
1. Multi-port Connection
Banknetvn supports Multi-Port based on the round robin method to send
message.
If a request message is received from particular port, Banknetvn will send
reply message to the same port. If the particular port is down, Banknetvn will send
the reply message to the next available port.
The message is rounded robin, regardless ATM or POS transactions.
Each bank has a unique key commonly used for multiple ports (ZMK,
ZPK, and MAK keys are commonly used when multi-port configuration is used).
When being exchanged, ZPK and MAK keys are sent by Banknetvn via
ports in a round-robin manner (a key-exchange request can be made via one port
but Banknetvn can send ZPK and MAK keys via different ports if multi-port
configuration is used).
If multi-port is configured, single signon and single key exchange for each
BIN will be used. There is no need for multiple signon and multiple key exchange.
2. MAC -Message Authentication Code
Message authentication ensure the integrity of the message and is based on
bilateral agreement between 2 institutions. Both parties agree on a set of
message fields which will be concatenated and encrypted using a MAC key
(MAK). The encrypted field data are transformed into a small piece of data
called MAC data and will be attached and delivered together with the
transaction message.
The receiver using the same MAC key, encrypt the same fields to generate
its own MAC. If the two MACs do not match, it is likely that the message
has been tampered and the transaction will be declined with invalid MAC
response code
MACing
MACing will apply to all Pcodes (transaction types) for both financial
(cash withdrawal, deposit etc) and non-financial (balance inquiry, mini
statement) for message types 0200/0210/0220/0230/0420/0421/0430. No
MACing will be done for 0800/0810 messages. MACing will be handled
by the existing BNV Thales HSM.
The following DE fields will be fixed in BNV and used in MACing.
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Message
Banknetvn
Data Element Required for MAC Generation/Validation
0200/0210/0220/0230 Msg Type, DE2, DE3, DE4, DE7, DE11, DE32, DE38,
DE39, DE41, DE42, DE48, DE90, DE95,DE102, DE103
0420/0421/0430
To form MAC Data, the following rules are applied:
-
If a DE from the list exists in the message, it will be included in
the MAC Data
-
If a DE does not exists in the message, it will be excluded from
the MAC Data
-
If a DE is a fixed length field, only the content of the DE is
included
If a DE is a variable length field (LLVAR, LLLVAR), the length indicator must
also be included in the MAC data together with the content.
Key Exchange
Currently, Banknetvn uses Dynamic Key Exchange to send ZPK to the
member bank.
To apply MAC, MAK (Message Authentication Key) is used for the
MACing process. The MAK can be double length (32H) or single length
(16H) for each bank.
ZMK (Zone Master Key) is currently used for ZPK exchange. ZMK will be
also used for generating MAK for member banks.
MAK will also be exchanged with member banks during the DKE
(Dynamic Key Exchange) process.
The request for ZPK and MAK exchange will be done daily at 01:00 AM.
The request for ZMK exchange should be done after 02 years.
The key exchange request can be either generated by Banknetvn or member
banks.
MAC Generation/Verification
Banknetvn will generate MAC for all out-bound messages and verify MAC
for all in-bound messages. This will be done using the MAK (Message
Authentication Key) and the DE fields defined above. The output, MAC
data will be generated from this MACing process.
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A new DE field 128 (16H) will be introduced for MAC data in the
request/response message.
For double length MAK key (32H), the MAC will follow ANSI X9.19
standard.
For single length MAK key (16H), the MAC will follow ANSI X9.9
standard.
When constructing the data for MAC generation or validation from Data
Element as followed:
-
Data Element will be included with the length indicator whenever required
for the corresponding Data Element. (E.g. DE2 will require the length
indicator, 2 bytes)
-
Concatenate all Data Elements that present in the message to form the data
for MAC processing (if the Data Element is not present, then it will be
omitted)
-
If the resulting data is not integral multiple of 8 bytes, trailing padding with
binary zero (hexadecimal value of 0x00) to make it a multiple of 8 byte
block before sending for the ANSI X9.19 3DES encryption or ANSI X9.9
single DES encryption for the MAC processing.
-
For transportation of the MAC in the message, all the 8 bytes are to be
used. In the DE128 field, the MAC code field will be filled with the 8 bytes
of the generated MAC with no padding.
3. Settlement date
For Banknetvn, every day is a business day. There is no holiday in Banknetvn.
Banknetvn will handle and perform the settlement batch grouping for extraction
process whenever there is a holiday.
Banknetvn will determine the settlement date value and fill in the
settlement date in DE 15 field for all request/reply messages. Any
settlement date value present in DE 15 (from bank host) will be
overwritten by the settlement date used by BNV.
Banknetvn will support both (DE 15 present/DE15 not present) in the
0200 message from Acquirer bank. If DE 15 (Settlement Date) field
from Acquirer Bank is present, it will be overwritten by BNV.
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Banknetvn will fill in DE 15 (Settlement Date) in 0200 message before
forwarding the 0200 message to Issuer Bank or in 0220 message before
forwarding the 0220 message to Beneficiary Bank.
Upon receipt of 0210 reply message from Issuer Bank, Banknetvn will
use the same settlement date (as the 200 message) to fill in the DE15
(Settlement Date) field in the 0210 reply message.
Settlement processing will be based on DE 15 (Settlement Date) field of
0210 reply message of all transactions..
4. Time out
Time out intervals are computed according to Banknetvn’s system time.
The starting point for computing those intervals is when Banknetvn receives a
request message from an acquirer.
After the time out interval, if Banknetvn does not receive a response
message from the issuer, Banknetvn will send a response message indicating timeout to the acquirer and create a reversal message and send it to the issuer.
If the issuer sends a response message after the time out interval,
Banknetvn’s system does not process it.
-
Banknetvn sets a time out interval of 25 seconds for member banks.
-
A member bank should set a time out interval greater than 25 seconds (> 25
seconds) for Banknetvn.
No
1
2
Requirements on Time out Intervals
Time-out intervals
Banknetvn - Member bank.
25s
Member bank - Banknetvn.
> 25s
Request
(1) Request
(2) Request
25s Timeout
25s Timeout
ATM/
POS
Response
Rc =08
BANK
(4) Response
Rc =08
BNV
(3) Response
BANK
(5) 420
(6) 430
Rc=00
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5. Response code and Reversal code
Respcode code will be configured by Banknetvn System
(Code 00 is for approving transaction while all other are for rejecting)
Response
Code
Description
00
Transaction approved
02
Refer to issuing bank
03
Invalid Merchant
04
Do not honor
05
Unable to process
06
Invalid transaction to this terminal
12
Invalid transaction to issuing/ acquiring bank
13
Invalid amount (Format error)
14
Invalid card number
15
The issuing bank does not exist
17
Invalid terminal business date
19
System error; re-enter the transaction
30
Format error
39
Transaction not authorized
41
Lost card, captured card
43
Hot card; captured card (if possible)
51
Cash not available
54
Expired card
55
Incorrect PIN; re-enter PIN
61
Limit exceeded
62
Restricted card
65
Frequency limit exceeded
67
Card captured, no reasons defined
68
Late response
75
Allowed PIN tries exceeded
76
Invalid account
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77
No
sharing
arrangement
Banknetvn/Switch and network
between
78
Required function not available
79
Key validation error
84
Invalid transaction life cycle
87
PIN key error
89
Security violation
91
Banknetvn/Switch not available
92
Invalid issuing bank
93
Invalid acquiring bank
94
Invalid transaction originator institution
96
System error
98
Reversal repeated
99
Transaction repeated
6. BIN update file format
The table is used for institutions and member banks to update BIN for ATM and
POS transactions.
The table includes updated or deleted BIN.
File description
File name: BNV_BIN_yyyymmdd.dat
Where:
yyyymmdd = Day for file generated by Banknetvn.
Note: All fields have fixed length as defined in the description.
File includes 3 elements:
- Header record: Desctibes the header of the file
- Detail records: Each BIN is one record in file.
- Trailer record: Numbers of detail records in file.
a. Header record format
No Field Name
.
Len
gth
Type
Value
Description
1
4
a
HHHH
Type of record,
Type record
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HHHH = Header
Record
2
File generation date 8
and time
n
yyyymmdd
b. Detail Record Format
No Field Name
.
1
Record type
Len
gth
1
Type
Value
Description
06
A : Updated BIN
D: Deleted BIN
Left indented and filled
up with space in the
right if the length is
less than 11 digits.
Left indented and filled
up with space in the
right if the length is
less than 60 digits.
The length of BIN
2
Code of issuer
11
an
3
Name of issuer
60
ans
4
Length of BIN
2
n
5
BIN
12
(Bank
Identification
Number)
n
6
Length of PAN
2
n
7
Type of card
1
a
No Field Name
.
Len
gth
Type
Value
Description
1
4
a
TTTT
Record type,
a
19
BIN, left indented and
filled up with space if
the length is less than
12 digits
Supporting from 13 to
19 digits.
D: Debit
C: Credit
c. Trailer Record
Record type
TTTT =
Record
2
The number of records 10
in the file
n
000000
0100
Technical Specifications for Banknetvn System Connectivity v1.6
Trailer
Right indented and
filled up with “0” in
the right of the
length is less than
10 digits.
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Banknetvn
CHAPTER 6: CLEARING AND SETTLEMENT
Please refer to Banknetvn’s Clearing and Settlement Regulations for more
details
1. Definition
1.1 Reconciliation
Clearing and settlement is the process of reconciliation, matching and finding
errors of card transactions at member banks when that transaction is transmitted
via Banknetvn switching system.
The reconciliation process executed at member banks is the comparison of
Banknetvn sent data with member bank recorded transaction data. If there is any
difference between the transmitted data and the bank recorded data, the
transaction will be considered disputed transaction.
1.2 Settlement
Settlement is the process of generation and incorporation transactions and fee
reports based on transaction results, and the fee which has been correctly
reconciled and sent to the Settlement bank for clearing and settlement for
member banks.
1.3 Settlement bank
The Settlement bank manages settlement accounts of member banks for clearing
and settlement of card transactions, and fee via Banknetvn switching system.
The settlement between member banks and Banknetvn is executed based on
settlement reports generated by Banknetvn. Banknetvn will generate settlement
reports for Banknetvn and its member banks. The Settlement bank will receive
the posted account data from Banknetvn.
1.4 Cutoff time
Cutoff time is the time bringing a transaction session to an end, the applicable
cutoff time at present is 22:59:59 of the current day.
The settlement process is executed based on transactions processed from 23:00:00
of the previous day to 22:59:59 of the current day.
(Please refer to Banknetvn’s Clearing and Settlement Regulations for more
details)
1.5 Payment and settlement currency, and principle of rounding
Type of settlement currency is Vietnam Dong (VND).
Technical Specifications for Banknetvn System Connectivity v1.6
118
Vietnam National Financial Switching Joint-stock Company
Banknetvn
Computed valued is rounded to the unit column (VND).
1.6 Disputed transaction
Disputed transactions are transactions that are not matched resulting from
the comparison between Banknetvn and member banks’ data:
 Successful transactions at bank but do not exist in file BT01, BT02
or BT03 sent by Banknetvn.
 Transactions exist in file BT01, BT02 or BT03 sent by Banknetvn
and exist in member banks’ transaction log files but contents of
fields in the transactions are not matched (time, amount, and
transaction status, etc.)
 Transactions not successful at member banks but succesful at
Banknetvn.
2. Transaction process
Generate detailed and consolidated transactions reports within the transaction session
10h
24h
0h
24h
24h
A Done transactions
Disputed transactions have
been hangled
Day 1
B
Generate settlement
report
Send to member banks
B + x1
Day 2
A: Time for beginning a transaction session
B: Time for ending a transaction day
B+x1: the deadline for Banknetvn to generate successful detailed transactions, disputed transactions are
handled for members.
After B+ x1: member banks to execute the reconciliation and coordinate with Banknetvn to handle
disputed /mismatched transactions.
2.1 Generate detailed report, calculate fee for transactions in the transaction
session (after point B).
At the beginning of the first working day after the transaction session (after
Point B): operational staffs of Banknetvn carry out the file extraction from
IST/switch, fee calculation, and generate detailed and consolidated
transaction reports of the transaction session.
Technical Specifications for Banknetvn System Connectivity v1.6
119
Vietnam National Financial Switching Joint-stock Company
Banknetvn
2.2 Generate and send detailed transaction settlement reports for member
institutions
B +x1 is the time when Banknetvn sends file of detailed transactions within
the transaction session (file BT01, BT02, BT03) to member institution for
settlement.
2.3 Transaction reconciliation at member institutions
After point B+x1, member institutions will access to FTP host of
Banknetvn and take detailed file of transactions that have been settled in
the BT01, BT02 and BT03 transaction sessions.
(Please refer to Banknetvn’s Clearing and Settlement Regulations for more
details)
Handling of mismatched transactions
After point B+x1: Banknetvn and member institutions related to
mismatched transactions will coordinate to find out reasons of
mismatching.
(Please refer to Banknetvn’s Clearing and Settlement Regulations for more
details)
3. Sample clearing and settlement file
3.1.
File structure
3.1.1 All the basic and IBFT transactions in one file
File name has only one name.
File name
Description
IMMDDYYZZZBBB999999X.dat
Containing detailed information of
transactions settled by Banknetvn,
sent to member banks.
OMMDDYYZZZBBB999999X.dat Containing disputed transactions
received from member banks.
3.1.2 The basic and IBFT transactions in different files
The file name includes only the basic transaction.
File name
IMMDDYYZZZBBB999999X.dat
Description
Containing detailed information of
transactions settled by Banknetvn,
Technical Specifications for Banknetvn System Connectivity v1.6
120
Vietnam National Financial Switching Joint-stock Company
Banknetvn
sent to member banks.
OMMDDYYZZZBBB999999X.dat
Containing disputed transactions
received from member banks.
The name of the IBFT transaction file on different channels
File name
Description
IMMDDYYZZZBBB999999X_KENH_IBFT.dat Containing detailed
information
of
transactions settled by
Banknetvn, sent to
member banks.
OMMDDYYZZZBBB999999X_KENH_IBFT.dat Containing disputed
transactions received
from member banks.
Where
Character(s)
Description
I
Inner: File generated by Banknetvn.
O
Outer: File received from member banks.
MMDDYY
File generating date, month/day/year format.
ZZZ
ISS: Issuer bank.
ACQ: Acquirer bank
BNB: Beneficiary bank (in BIFT)
BBB
Abbreviation name.
999999
Member bank code.
X
The sequence of settlement session within settlement
day.
In case of separation files for basic and IBFT transactions in different
channels (i.e. IBFT transactions perfomed on ATM, Internet Banking, Mobile
/ SMS Banking), the structure of file’s name will be in the following format.
Technical Specifications for Banknetvn System Connectivity v1.6
121
Vietnam National Financial Switching Joint-stock Company
Banknetvn
IMMDDYYZZZBBB999999X_KENH_IBFT.dat
OMMDDYYZZZBBB999999X_KENH_IBFT.dat
- For ISS and ACQ, KENH is the channels where the transaction is sent from,
as ATM, Internet Banking, Mobile / SMS Banking.
- For the BNB, KENH is the channels where the beneficiary bank receives
the transactions via ATM, Internet Banking, Mobile / SMS Banking ...
KENH
KENH = INT: the IBFT transactions related to
Internet Banking, Mobile / SMS Banking....
KENH = ATM: the IBFT transactions related to
ATM.
KENH = ALL: the IBFT transactions related to
ATM, Internet Banking, Mobile / SMS Banking ...
Basic transactions: Includes Balance inquiry
transactions, withdrawals, Mini statements, internal
transfers, Sale on ATM / POS.
Interbank fund transfer transaction - IBFT: Includes
interbank fund transfer transactions via ATM,
Internet Banking, Mobile / SMS Banking....
Technical Specifications for Banknetvn System Connectivity v1.6
122
Vietnam National Financial Switching Joint-stock Company
3.2.
Banknetvn
File name
File
Contents
BT01
File
containing
settled IMMDDYYISSBBB999999X.dat
transactions generated for
Issuer Bank.
BT02
File
containing
settled IMMDDYYACQBBB999999X.dat
transactions generated for
Acquirer Bank.
BT03
File
containing
settled IMMDDYYBNBBBB999999X.dat
transactions generated for
Beneficiary Bank.
BT05
File containing disputed OMMDDYYISSBBB999999X.dat
transactions received from
Issuer Bank.
BT06
File containing disputed OMMDDYYACQBBB999999X.dat
transactions received from
Acquier Bank
BT07
File containing disputed OMMDDYYBNBBBB999999X.dat
transactions received from
Beneficiary Bank
3.3.
File name
File format
1) File containing transactions settled by Banknetvn, sent to member banks
IMMDDYYZZZBBB999999X.dat
a. File description
File including:
 Header record: Describes the header of the file.
 Detail records: each transaction is one record in file. End of each record,
there is checksum record.
 Trailer record: Contains information of checksum file, sender, sending
time.
After receiving file, member banks must check the records and checksum
record to identify the integrity of the records and check the checksum file to
identify the integrity of the file.
Technical Specifications for Banknetvn System Connectivity v1.6
123
Vietnam National Financial Switching Joint-stock Company
Banknetvn
a. Header Record Format
No Field name
.
1
Record Type
Type
N
Leng positio
th
n
4
1-4
2
BIN
N
8
5-12
3
Transaction Date
N
6
13-18
Value
Description
0001
Type of record
0001=Header Record.
Indicate BIN of issuing bank
that receives the file, which
is identical with the BIN on
the file name
Right indented and filled up
with spaces to the left if the
length is less than 8
characters.
Transaction date of the last
transaction recorded in the
file
b. Detail Record Format
No Field name
.
1
Record Type
Type Len
gth
N
4
positio
n
1-4
2
Card number (F2)
N
19
5-23
3
Processing Code N
(F3)
Transaction
N
amount (F4)
6
24-29
12
30-41
Actual transaction N
amount in VND
12
42-53
4
5
Technical Specifications for Banknetvn System Connectivity v1.6
Value
Description
0002
Type of record
0002=Detail Record
The card number is right
indented
and
space
characters are added to the
left if the length is less than
19.
Transaction processing code
Transaction amount is in
Vietnam
dong.
If
a
transaction is made from
outside
Vietnam,
the
transaction
amount
is
converted to Vietnam dong.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the field length is less than
12.
Actual transaction amount is
in Vietnam dong. If a
124
Vietnam National Financial Switching Joint-stock Company
6
Amount,
Settlement (F5).
N
12
54-65
7
Amount,
cardholder
(F6).
N
12
66-77
Actual
amount, N
cardholder billing
12
78-89
8
billing
Technical Specifications for Banknetvn System Connectivity v1.6
Banknetvn
transaction is made from
outside Vietnam, the actual
transaction
amount
is
converted to Vietnam Dong.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
* The amount in this
field is same as
transaction amount if
the
financial
transaction
is
successful and there is
no reversal.
* The amount is 0 if the
financial transaction
and there is reversal.
* The
amount
is
different from and
less than transaction
amount
if
the
financial transaction
and there is partial
reversal.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
* The amount in this
field is same as
transaction amount if
the
financial
transaction
is
successful and there is
125
Vietnam National Financial Switching Joint-stock Company
Banknetvn
9
Sett conversion rate N
(F9)
8
90-97
10
Billing Cardholder N
conversion
rate
(F10)
8
98-105
11
Filter
A
1
/
12
System
trace N
number (F11)
6
106106
107112
no reversal.
* The amount is 0 if the
financial transaction
and there is reversal.
* The
amount
is
different from and
less than transaction
amount
if
the
financial transaction
and there is partial
reversal
Structue: nXXXXXXX
Where :
n is the decimal place
XXXXXXX
is
the
conversion rate
0 will be added up if the
value is null.
Structure: nXXXXXXX
Where: n is the decimal
place
XXXXXXX is conversion
rate.
0 will be added up if the
value is null.
Containing “/”
13
Filter
A
1
/
14
Local Transaction N
time (F12)
6
113113
114119
Leading zeros shall be added
if the field length is less than
6
Containing “/”
15
Local transaction N
date (F13)
4
120123
16
Settlement
(F15)
date N
4
124127
17
Terminal
type N
4
128-
Technical Specifications for Banknetvn System Connectivity v1.6
Format: hhmmss, where
hh is hour of day in a 24
hour clock,
mm is minute within the
hour
ss is seconds past the minute
Format: MMdd.
Where:
MM: month
dd: day
Format: MMdd.
Where:
MM: month
dd: day
Types of card acceptor
126
Vietnam National Financial Switching Joint-stock Company
(F18)
Banknetvn
131
22
Authorization
Number (F38)
A
6
164169
23
Filter
A
1
/
24
Retrieval Reference A
number (F37)
12
170170
171182
terminals:
6011: ATM
Other: POS
BIN of member banks
registered with Banknetvn.
The acquiring institution
code is right indented and
space characters are added to
the left if the length is less
than 8.
Bank’s code registered at
Banknetvn.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
For IBFT.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
0 will be added up with the
value is null.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
0 will be added up with the
value is null.
This field depends on
issuing bank, it may be 6
digits or 6 characters
Containing “/”
25
Filter
A
1
/
26
Card
Acceptor A
Terminal
Identification (F41)
8
183183
184191
Leading zeros shall be added
if the sequence length is less
than 12.
Spaces will be added if the
value is null.
Containing “/”
27
Transaction
currency
3
18
Acquiring
Institution
Code(F32)
N
8
132139
19
Issuer bank code
N
8
140147
20
Beneficiary
code (F100)
bank N
8
148155
21
Forwarding
Institution
(F33)
N
8
156163
Code
N
code
192194
Technical Specifications for Banknetvn System Connectivity v1.6
The unique code to identify
a card acceptor terminal in
the system of the acquiring
system.
3 digit currency code.
Leading zeros shall be added
127
Vietnam National Financial Switching Joint-stock Company
Banknetvn
(F49)
28
N
3
195197
29
Currency
code, N
cardholder billing
(F51)
3
198200
30
From
(F102
Account A
28
201228
31
To
Account A
(F103)
Message
Type N
Identifier Code
(MTI)
28
229256
257260
4
34
Transaction status N
(Response Code)
ISS fee
N
35
Banknetvn fee
N
12
277288
36
ACQ fee
N
12
289300
37
Transferee fee
N
12
301312
32
33
Settelement
Currency
(F50)
code
4
12
261264
265276
Technical Specifications for Banknetvn System Connectivity v1.6
0210
if the field length is less than
3
3 digit currency code.
Leading zeros shall be added
if the field length is less than
3
3 digit currency code.
Leading zeros shall be added
if the field length is less than
3
Leading zeros needed if the
sequence length is less than
28.
Leading zeros needed if the
sequence length less than 28
Message Type Identifier
Code:
0210: Financial message
Leading zeros shall be added
if the sequence length is less
than 12.
The last two digits are
decimals
0 will be added if the value
is null.
Leading zeros shall be added
if the sequence length is less
than 12.
The last two digits are
decimals
0 will be added if the value
is null.
Leading zeros shall be added
if the sequence length is less
than 12.
The last two digits are
decimals
0 will be added if the value
is null.
Leading zeros shall be added
if the sequence length is less
than 12.
The last two digits are
decimals
128
Vietnam National Financial Switching Joint-stock Company
38
Checksum
value
record N
32
313344
Len
gth
4
positio
n
1-4
Banknetvn
0 will be added if the value
is null.
Used to identify that the
integrity of the transaction
record remains unchanged.
Checksum
value
is
calculated by using MD5
hashing algorithm.
c. Trailer Record Format
No Field name
.
1
Record Type
Typ
e
N
2
Number of records N
in the file.
9
5-13
3
Generator
20
14-33
4
File
time
generation N
6
34-39
File
date
generation N
5
A
8
40-47
Technical Specifications for Banknetvn System Connectivity v1.6
Value
Description
0009
Record Type
0009 = Trailer Record
Indicate the number of
transaction records in the
file.
User code of the extraction
system when performing file
extraction.
If the user code is less than
20, leading space characters
shall be padded.
File generation time is
according to the time of file
extraction system.
Format: hhmmss
where
hh is hour of day in a 24
hour clock
mm is minute within the
hour
ss is seconds past the minute
File generation date is
according to the time of file
extraction system.
Format: ddMMyyyy format
Where
dd: Date
MM: Month
yyyy: Year
129
Vietnam National Financial Switching Joint-stock Company
6
Checksum
value
file N
32
Banknetvn
48-79
Used to identify the integrity
of the trailer record to check
the total of detail records in
the file
Checksum
value
is
calculated by using MD5
hashing algorithm.
2) File containing disputed transactions received from member banks.
OMMDDYYZZZBBB999999X.dat
a. File description
File including:
 Header record: Describes the header of the file.
 Detail records: each transaction is one record in file. End of each record,
there is checksum record.
 Trailer record: Contains information of checksum file, sender, sending
time.
After receiving file, member banks must check the records and checksum
record to identify the integrity of the records and check the checksum file to
identify the integrity of the file.
b. Header Record Format
No Field name
.
1
Record Type
Type
N
Leng positio
th
n
4
1-4
2
BIN
N
8
5-12
3
Transaction Date
N
6
13-18
Technical Specifications for Banknetvn System Connectivity v1.6
Value
Description
0001
Type of record
0001=Header Record.
Indicate BIN of issuing bank
that receives the file, which
is identical with the BIN on
the file name
Right indented and filled up
with spaces to the left if the
length is less than 8
characters
Transaction date of the last
transaction recorded in the
file
130
Vietnam National Financial Switching Joint-stock Company
Banknetvn
b. Detail Record Format
No Field name
.
1
Record Type
Type Len
gth
N
4
2
Card number (F2)
N
3
4
5
positio
n
1-4
19
5-23
Processing
Code N
(F3)
Transaction amount N
(F4)
6
24-29
12
30-41
Actual transaction N
amount in VND
12
42-53
Value
Description
0002
Type of record
0002=Detail Record
The card number is right
indented
and
space
characters are added to the
left if the length is less than
19.
Transaction processing code
Transaction amount is in
Vietnam
dong.
If
a
transaction is made from
outside
Vietnam,
the
transaction
amount
is
converted to Vietnam dong.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the field length is less than
12.
Actual transaction amount is
in Vietnam dong. If a
transaction is made from
outside Vietnam, the actual
transaction
amount
is
converted to Vietnam Dong.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
* The amount in this
field is same as
transaction amount if
the
financial
transaction
is
successful and there is
no reversal.
* The amount is 0 if the
financial transaction
and there is reversal.
Technical Specifications for Banknetvn System Connectivity v1.6
131
Vietnam National Financial Switching Joint-stock Company
Banknetvn
6
Amount, Settlement N
(F5)
12
54-65
7
Amount, cardholder N
billing (F6)
12
66-77
8
Actual
amount, N
cardholder billing
12
78-89
9
10
Filter
C
System
trace N
number (F11)
1
6
90-90
91-96
/
11
12
Filter
C
Local Transaction N
time (F12)
1
6
97-97
98-103
/
Technical Specifications for Banknetvn System Connectivity v1.6
* The
amount
is
different from and
less than transaction
amount
if
the
financial transaction
and there is partial
reversal.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
The last 2 digits are the
decimal place.
Leading zeros shall be added
if the sequence length is less
than 12.
* The amount in this
field is same as
transaction amount if
the
financial
transaction
is
successful and there is
no reversal.
* The amount is 0 if the
financial transaction
and there is reversal.
* The
amount
is
different from and
less than transaction
amount
if
the
financial transaction
and there is partial
reversal
Containing “/”
Leading zeros shall be added
if the field length is less than
6
Containing “/”
Format: hhmmss, where
hh is hour of day in a 24
132
Vietnam National Financial Switching Joint-stock Company
13
Local transaction N
date (F13)
4
104107
14
Settlement
(F15)
date N
4
108111
15
Terminal
(F18)
type N
4
112115
16
Acquiring
Institution
Code(F32)
N
8
116123
17
Issuer bank code N
(basing on track2
F35)
8
124131
18
Beneficiary
code (F100)
bank N
8
132139
19
Forwarding
Institution
(F33)
N
8
140147
Code
20
Authorization
Number (F38)
A
6
148153
21
Filter
A
1
154154
Technical Specifications for Banknetvn System Connectivity v1.6
Banknetvn
/
hour clock,
mm is minute within the
hour
ss is seconds past the minute
Format: MMdd.
Where:
MM: month
dd: day
Format: MMdd.
Where:
MM: month
dd: day
Types of card acceptor
terminals:
6011: ATM
Other: POS
BIN of member banks
registered with Banknetvn.
The acquiring institution
code is right indented and
space characters are added to
the left if the length is less
than 8.
Bank’s code registered at
Banknetvn.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
For IBFT.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
0 will be added up with the
value is null.
Right indented and filled up
with spaces to the left if the
sequence length is less than
8.
0 will be added up with the
value is null.
This field depends on
issuing bank, it may be 6
digits or 6 characters
Chứa ký tự nhận dạng “/”
133
Vietnam National Financial Switching Joint-stock Company
Banknetvn
22
Retrieval Reference A
number (F37)
12
155166
23
Filter
A
1
/
24
Card
Acceptor A
Terminal
Identification (F41)
8
167167
168175
25
Message
Type N
Identifier Code
(MTI)
4
176179
0210
26
Transaction status
4
180183
27
Checksum
value
N
record N
32
Leading zeros shall be added
if the sequence length is less
than 12.
Spaces will be added if the
value is null.
Containing “/”
The unique code to identify
a card acceptor terminal in
the system of the acquiring
system.
Message Type Identifier
Code:
0210: Financial message
* Issuer Bank.
Spaces will be added up
* Acquirer bank
0113 – Partial reversal
0115 – Reversal
* Beneficiary Bank (in
IBFT)
0113 – Partial reversal
0115 – Reversal
Used to identify that the
integrity of the transaction
record remains unchanged.
Checksum
value
is
calculated by using MD5
hashing algorithm.
184215
c. Trailer Record Format
No Field name
.
1
Record Type
Typ
e
N
Len
gth
4
positio
n
1-4
2
Number of records N
in the file.
9
5-13
3
Generator
20
14-33
A
Technical Specifications for Banknetvn System Connectivity v1.6
Value
Description
0009
Record Type
0009 = Trailer Record
Indicate the number of
transaction records in the
file.
User code of the extraction
system when performing file
extraction.
If the user code is less than
20, leading space characters
134
Vietnam National Financial Switching Joint-stock Company
Banknetvn
shall be padded.
4
File generation time N
5
File generation date
6
Checksum file value N
3.4.
N
6
34-39
8
40-47
32
48-79
File generation time is
according to the time of file
extraction system.
Format: hhmmss
where
hh is hour of day in a 24
hour clock
mm is minute within the
hour
ss is seconds past the minute
File generation date is
according to the time of file
extraction system.
Format: ddMMyyyy format
Where
dd: Date
MM: Month
yyyy: Year
Used to identify the integrity
of the trailer record to check
the total of detail records in
the file
Checksum
value
is
calculated by using MD5
hashing algorithm.
Sample File
1) File for Transactions Settled by Banknetvn Created for Member Bank
IMMDDYYZZZBBB999999X.dat
0001 970414031412
000297041190001473010013000000000000000000000000000000000000000000000000
000000000000000000000000000000000/000159/143902031403146012
970414
9704110000000000000000000001/000000000000/2800000170400000000000000000000
000000000003010000000000000000000000000000021000000000000000000000000000
00000000000000000000000000065bbbc4fb1289077638654663433962
0009000000001
admin1124281503201238532c985d7957f3b090932923b06b64
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2) File for Difference in Transaction Settlement Sent by Member Bank
OMMDDYYZZZBBB999999X.dat
0001 970414031412
000297041190001473010010000000000050000000000050000000000000000000000000
00000000000000000/000161/144426031403146012
970414
9704110000000000000000000001/000000000000/2800000102100115307a006243cf695
9e7daffcdaa4de501
0009000000001
admin16243115032012fc1d1b1571edb4ff5fefab5a595fd6f2
4. Specifications of DLL on checksum value generation and verification
Banknetvn provides member banks with DLL to generate and verify checksum
fields in exchanged files.
DLL for verification includes 2 functions:
1.
Function for generating 32 byte checksum value from an original
string input:
string getMD5Hash (string input)
string getCS(string input, string MaBM) //
MaBM: the security password of each member bank
input: the content for which the checksum value is calculated.
2.
Functionfor checking verifying checksum value with an original
input string:
hash bool verifyMd5Hash(string input, string hash)
bool verifyCS(string input, string hash, string MaBM)
MaBM: the security password of each member bank
input : the content for which the checksum value is
calculated.
hash : the string for which the checksum has been calculated.
Refer to website: http://en.wikipedia.org/wiki/MD5 for more information on
MD5 decryption algorithm.
Extended Algorithm for Md5 :
public string GetCS(string input,string MaBM)
{ string str="";
string strMa = getMd5Hash(input);
string strKQ = strMa;
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MaBM = "5" + MaBM + "5";
if(IsNumeric(MaBM))
{//MaBM: the security password for each member bank
char[] chars = MaBM.ToCharArray();
for(int i=0; i<chars.Length - 1; i++)
{
str = str +
strMa.Substring(Convert.ToInt16(chars[i].ToString()), 20
Convert.ToInt16(chars[i + 1].ToString()));
-
}
strKQ = getMd5Hash(str);
}
return strKQ;
}
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Part IV – EXECUTION PROVISION
The amendment of the Technical Specifications for Banknetvn System
Connectivity will be approved by Banknetvn’s Board of Directors.
FOR AND ON BEHALF OF THE BOARD OF
DIRECTORS
VIETNAM NATIONAL FINANCIAL SWITCHING
JSC.
CHAIRMAN
Nguyen Van Xuan
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Part V APPENDIXES
Appendix 1: ISO 7810
This International Standard is one of a series of standards describing the
characteristics for identification cards as defined in the definitions clause and the
use of such cards for international interchange. This International Standard
specifies the physical characteristics of identification cards including card
materials, construction, characteristics, and dimensions for four sizes of cards.
 The card consists of four discrepancy types of model with 0.76 mm thick
(see the following figures for more details)
o ID-000: nominally 25 mm (0.984 in) wide by 15 mm (0.591 in) high
by 0.76 mm (0.030 in) thick
o ID-01: nominally 85.60 mm (3.370 in) wide by 53.98 mm (2.125 in)
high by 0.76 mm (0.030 in) thick
o ID-02: nominally 105 mm (4.134 in) wide by 74 mm (2.913 in) high
by 0.76 mm (0.030 in) thick
o ID-03: nominally 125 mm (4.921 in) wide by 88 mm (3.465 in) high
by 0.76 mm (0.030 in) thick
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 Surface distortion: Raised areas shall not increase the overall card thickness
by more than 0,10 mm (0.004 in)
 Card materials: The card shall be made of any material fulfilling the
requirements of this International Standard. Card insert material may be
used.
 Overall card plane: The maximum distance from a flat rigid plate to any
portion of the convex surface of a card shall not be greater than 1.5 mm
(0.06 in) including the card thickness.
 Card physical characteristics: Bending stiffness, Flammability, Toxicity,
Resistance to chemicals, Card dimensional stability and curve with
temperature and humidity…should also be considered to meet ISO 7810
Standard.
 ISO 7810 Standard combines with other standards to provide standards for
interchange cards. Two following figures show position of magnetic tracks
on the card. For more information refer to ISO 7810 Standard.
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End of
encoding
Encoded track
Banknetvn
Start of
encoding
Top reference edge
a
b
d
c
Dimensions in millimetres (inches)
Term Track 1
Track 2
Track 3
A
8,33 (0.328) minimum
11,63 (0.458) minimum
9,09 (0.358) maximum
12,65 (0.498) maximum
8,33 (0.328) minimum
11,63 (0.458) minimum
15,19 (0.598) minimum
9,09 (0.358) maximum
12,65 (0.498) maximum
15,82 (0.623) maximum
B
5,79 (0.228) maximum
C
744 ± 1,00 (0.293 ± 7,44 ± 0,50 (0.293 ± 7,44 ± 1,00 (0.293 ±
0.039)
0.020)
0.039)
D
6,93 (0.252) minimum
6,93 (0.252) minimum
----
Note: All tracks have a minimum width of 2.54 (0.100).
Dimensions in millimetres (inches)
Top reference edge
Minimum magnetic
stripe width (W)
5,54 (0.218)
max
a
Magnetic stripe area
2,92 (0.115) max
82,55 (3.250) min
For use of tracks 1 and 2: a = 11.89 (0.468) min
For use of tracks 1, 2, and 3: a = 15.95 (0.628) min
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Appendix 2: ISO 7811
This part of ISO/IEC 7811 is one of a series of standards describing the
characteristics for identification cards as defined in the definitions clause and the
use of such cards for international interchange.
This part of ISO/IEC 7811 specifies requirements for a high coercive magnetic
stripe (including any protective overlay) on an identification card, the encoding
technique (ISO 7811-1) and coded character sets (ISO 7811-2, 7811-6). It takes
into consideration both human and machine aspects and states minimum
requirements.
A brief description of ISO 7811:
Dimensions in millimetres (inches)
Centreline of
Character 1
b
Centreline of
Top reference edge
Charater 19
c
Front of card
Identification number line (Area 1)
a
e
d
Name and address area (Area 2)
g
h
f
Centreline of
Charater 1
Identification number line (Area 1)
Centreline of
Charater 27
Name and address area (Area 2)
a
21,42 ± 0,12 (0.843 ± 0.005)
e
14,53 (0.572) maximum
b
10,18 ± 0,25 (0.401 ± 0.010)
f
2,54 (0.100) minimum
3,30 (0.130) maximum
c
65,31 ± 0,76 (2.571 ± 0.030)
g
7,65 ± 0,25 (0.301 ± 0.010)
d
24,03 (0.946) maximum
h
66,04 ± 0,76 (2.600 ± 0.030)
For more details, please refer to ISO 7811
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Appendix 3: ISO 7811-2 and ISO 7811-6
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Appendix 4: ISO 7812
This part of ISO/IEC 7812 specifies a numbering system for the identification of
issuers of identification cards used in international and/or inter-industry
interchange.
Primary Account Number. Up to 19 digits: In accordance with the account
numbering scheme in ISO 7812. It consists of the following parts:
IIN fixed length
Customer Account Number assigned by card Check
Digit
6 digits assigned issuer
by
(Variable up to 12 digits including any spaces)
RegBanknetvnrati Digits 7 – 15
on Authority
1 2 3 4 5 6
o
IIN:
7
8
9
Issuer
10
11
Identification
12
13
Number.
14
Up
15
to
16
6
digits:
2
digits:
It consists of the following parts:

MII:
Major
Industry
Identifier.
Up
to
0: Reserved for future use by ISO/TC 68.
1:
Airlines.
2:
Airlines
and
other
future
assignments.
3:
Travel
and
entertainment.
4:
Banking/financial.
5:
Banking/financial.
6:
Merchandising
and
banking.
7:
Petroleum.
8: Telecommunications and other future assignments.
9: Reserved for national use.

II:
Issuer
Identifier.
Up
to
5
digits:
Identifies the issuer. In some cases the first digit indicates the
length of the IIN or the responsibility of its assignment
outside of ISO. If MII = 9 then the first 3 digits should be the
country code (CC).
o
IAI:
Individual
Account
Identification.
Up
to
12
digits:
Assigned by the card issuing institution.
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o
Banknetvn
CD: Check Digit. 1 digit: Calculated using the Luhn formula for
computing modulus 10 "double-add-double" check digit.
Card Number
 The Card number will be 16 digits in length.
 The Card number will be unique for each customer
 The Bank will apply for a Bank Identification Number (BIN) from the ISO.
This number will uniquely identify the Bank across the world.
 To start with one Bank Identification Number (BIN) will be used for the
Bank
 Each Branch in the Bank will be identified by a three digits code. This three
digits code will form part of the Card Number. By looking at the Card
Number one can identify the branch to which the customer belongs.

The structure of the card number is:
BRANCH
RE-ISSUE
CODE
DIGIT
AAAA AABB BCCC CCDE
CHECK DIGIT
BANK IDENTIFICATION CARD SERIAL
NUMBER (BIN)
NUMBER
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Card Digit
AAAA AA
BB B
Length
Six
Three
Name
Bank
Identification
Number (BIN)
Branch Code
Banknetvn





CCC CC
Five
Card
Number
Serial 




D
One
Re-Issue Digit



E
One
Check Digit


Description
Identifies
the
Bank
uniquely
Should be issued by ISO
One number for Bank
Identifies the Branch to
which
the
customer
belongs
The Bank can have a
maximum of 999 branches
for this Bin number
Indicates the Serial number
of the card
Each customer is given an
unique number
For a given branch, there
can be 99999 customers
Serial number starts from
one and increments by one.
The serial number will be a
function of the Branch
code. Every branch will
have a separate running
serial number.
Indicates the number of
times a card has been reissued
First time the card is
issued, the re-issue digit is
zero
First time the card is reissued,
the
digit
is
incremented by one to one.
Check digit of the Card
Used for security reasons
For more detail, please refer to ISO 7812
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Appendix 5: ISO 7813
This International Standard specifies the physical characteristics, data structure
and data content of ID-1 type cards used in financial transactions. It takes into
consideration both human and machine aspects and states minimum requirements
of conformity. It references layout, recording techniques, numbering systems,
registration procedures, but not security requirements.
ISO/IEC 10373 specifies the test procedures used to check cards against the
parameters specified in this International Standard.
For more detail, please refer ISO 7813 standard
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Appendix 6: ISO 3166
For more detail, please refer ISO 3166 standard
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Appendix 7: ISO 9564
For more detail, please refer ISO 9564 standard
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Appendix 8: ISO 13491
For more details, please refer ISO 13491
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Appendix 9: ISO 11568
For more details, please refer ISO 11568
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Appendix 10: SPECIFICATIONS OF MAGNETIC CARD AND CARD
READING DEVICES
1. Physical characteristics of cards
Physical characteristics of magnetic cards (size, weight, material structure,
hardness, plasticity, strength…) comply with ISO 7810 (Appendix 1 attached).
2. Embossed information on cards
Embossed information on cards complies with ISO 7811-1 (Appendix 2 attached).
3. Information on magnetic stripe of cards
3.1 Information on magnetic stripe of cards
Information recorded on magnetic stripe of cards and structure of
information fields comply with ISO 7811 and ISO 7813 (Appendix 2 and
Appendix 5 - attached).
3.2 Track 1 data format
Code format forming characters on Track 1 is defined in ISO 7811-2 or
ISO 7811-6 (Appendix 3 - attached). Each character is formed by 7 bits
including 6 data bits + 1 bit for odd-even checking. Maximum number of
characters is 64, including 36 alphanumeric characters, 3 characters for
defined fields (Start Sentinel, End Sentinel and Field Separator), the last 25
characters are special characters. The following table describes the 64
characters in details:
Data bits
Character
Value Function
b1 b2 B3 b4 b5 b6 B7
(Hex)
0 0 0 0 0 0 1 space
00
Special
1 0 0 0 0 0 0 !
01
Special
0 1 0 0 0 0 0 "
02
Special
1 1 0 0 0 0 1 #
03
Special
0 0 1 0 0 0 0 $
04
Special
1 0 1 0 0 0 1 %
05
Start Sentinel
Technical Specifications for Banknetvn System Connectivity v1.6
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0 1 1 0 0 0 1 &
06
Special
1 1 1 0 0 0 0 '
07
Special
0 0 0 1 0 0 0 (
08
Special
1 0 0 1 0 0 1 )
09
Special
0 1 0 1 0 0 1 *
0A
Special
1 1 0 1 0 0 0 +
0B
Special
0 0 1 1 0 0 1 ,
0C
Special
1 0 1 1 0 0 0 -
0D
Special
0 1 1 1 0 0 0 .
0E
Special
1 0 0 1 0 0 1 /
0F
Special
0 0 0 0 1 0 0 0
10
Data
1 0 0 0 1 0 1 1
11
Data
0 1 0 0 1 0 1 2
12
Data
1 1 0 0 1 0 0 3
13
Data
0 0 1 0 1 0 1 4
14
Data
1 0 1 0 1 0 0 5
15
Data
0 1 1 0 1 0 0 6
16
Data
1 1 1 0 1 0 1 7
17
Data
0 0 0 1 1 0 1 8
18
Data
1 0 0 1 1 0 0 9
19
Data
0 1 0 1 1 0 0 :
1A
Special
1 1 0 1 1 0 1 ;
1B
Special
0 0 1 1 1 0 0 <
1C
Special
1 0 1 1 1 0 1 =
1D
Special
0 1 1 1 1 0 1 >
1E
Special
1 1 1 1 1 0 0 ?
1F
End sentinel
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0 0 0 0 0 1 0 @
20
Special
1 0 0 0 0 1 1 A
21
Data
0 1 0 0 0 1 1 B
22
Data
1 1 0 0 0 1 0 C
23
Data
0 0 1 0 0 1 1 D
24
Data
1 0 1 0 0 1 0 E
25
Data
0 1 1 0 0 1 0 F
26
Data
1 1 1 0 0 1 1 G
27
Data
0 0 0 1 0 1 1 H
28
Data
1 0 0 1 0 1 0 I
29
Data
0 1 0 1 0 1 0 J
2A
Data
1 1 0 1 0 1 1 K
2B
Data
0 0 1 1 0 1 0 L
2C
Data
1 0 1 1 0 1 1 M
2D
Data
0 1 1 1 0 1 1 N
2E
Data
1 1 1 1 0 1 0 O
2F
Data
0 0 0 0 1 1 1 P
30
Data
1 0 0 0 1 1 0 Q
31
Data
0 1 0 0 1 1 0 R
32
Data
1 1 0 0 1 1 1 S
33
Data
0 0 1 0 1 1 0 T
34
Data
1 0 1 0 1 1 1 U
35
Data
0 1 1 0 1 1 1 V
36
Data
1 1 1 0 1 1 0 W
37
Data
0 0 0 1 1 1 0 X
38
Data
1 0 0 1 1 1 1 Y
39
Data
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0 1 0 1 1 1 1 Z
3A
Data
1 1 0 1 1 1 0 [
3B
Special
0 0 1 1 1 1 1 \
3C
Special
1 0 1 1 1 1 0 ]
3D
Special
0 1 1 1 1 1 0 ^
3E
Field Separator
1 1 1 1 1 1 1 _
3F
Special
3.3 Data format of Track 2
Code format forming characters on Track 2 is defined in ISO 7811-2 and
ISO 7811-6. Each character on Track 2 is formed by 5 bits, containing 4
bits for data + 1 bit for odd-even checking. Maximum number of characters
is 16. In these 16 characters, there are 10 numeric characters, 3 characters
for identification; the last 3 characters are special characters. The following
table describes the 16 characters in details:
Data bits
Character Value
b1 b2 b3 b4 b5
Function
(Hex)
0
0
0
0
1
0
00
Data
1
0
0
0
0
1
01
Data
0
1
0
0
0
2
02
Data
1
1
0
0
1
3
03
Data
0
0
1
0
0
4
04
Data
1
0
1
0
1
5
05
Data
0
1
1
0
1
6
06
Data
1
1
1
0
0
7
07
Data
0
0
0
1
0
8
08
Data
1
0
0
1
1
9
09
Data
0
1
0
1
1
:
0A
Control
1
1
0
1
0
;
0B
Start Sentinel
0
0
1
1
1
<
0C
Control
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1
0
1
1
0
=
0D
Field Separator
0
1
1
1
0
>
0E
Control
1
1
1
1
1
?
0F
End Sentinel
3.4 Data structure on tracks
Information is recorded on magnetic cards as follows:
-
Information on magnetic cards shall be recorded on Track 1 and Track 2 (or
Track 2);
-
Structure of data fields on Track 1 and Track 2 complying with ISO 7813
(Appendix 5 - attached), is basically described as follows:
Track 1
1
1
16
1
26
1
4
3
5
%
B
Card number
FS
Card Holder
FS
Expiration
Date
Service
Code
PVV
10
3
6
1
Discretionary
Discretionary
CVV
ES
Data
Data
1
LRC
Track 1
No. Field
1
Start Sentinel (SS)
Length Value
1
%
2
Format Code (FC)
1
3
Card Number
16
4
5
Field Separator (FS)
Card Holder
1
26
^
6
7
Field Separator (FS)
Expiration Date
1
4
^
8
Service Code
3
xxx
B
Technical Specifications for Banknetvn System Connectivity v1.6
Description
Contain the start sentinel of
Track 1
Contain character defining
card using areas. For
financial and banking area,
this character is defined as
“B”
Indicate card number of
customer. Card number
structure is defined by each
bank. This field contains
various sub-fields such as:
BIN, branch code, …
Separate information fields.
Contain information of
card holder’s name.
Separate information fields.
Define card expiration date.
Format of this field is
YYMM (year, month).
Define different service
categories.
The
first
156
Vietnam National Financial Switching Joint-stock Company
9
10
11
12
13
14
Banknetvn
character
defines
interchange
areas
as
national/international
or
only within the bank
(intrabank); the second
character
defines
authorization
process,
available
for
online
authorization
by
card
issuing institution or by the
third party with the
approval of card issuing
institution;
the
third
character defines service
range
and
PIN
requirements.
Offset number or PIN 5
“1”+xxxx
This field may or may not
Verification
Value
“0”+0000
have values – as defined by
(PVV)
the first character of the
field.
Discretionary Data
10
********** Containing
private
information of each bank
which is defined by card
issuing bank.
Card
Verification 3
xxx
Cryptographic
value
Value (CVV)
created from card number,
expiration date and service
code.
Discretionary Data
6
******
Containing
private
information of each bank
which is defined by card
issuing bank.
End Sentinel (ES)
1
?
Character marking end of
Track 1
LongituBM
1
*
Character
created
for
#Redundancy Check
checking data recorded on
Disk (LRC)
Track 1.
(*) Characters may have arbitrary value.
Track 2
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1
16
1
4
3
5
3
5
1
1
;
Card number
FS
Expiration
Date
Service
Code
PVV
CVV
Discretionary
Data
ES
LRC
Track 2
No. Field
1
Start Sentinel (SS)
Length Value
1
;
2
Card Number
16
3
4
Field
Separator 1
(FS)
Expiration Date
4
5
Service Code
6
Offset
or
PIN 5
Verification Value
(PVV)
3
Description
Containing
the
start
sentinel of Track 2
Containing
account
number
of
customer
account number structure
is defined by each bank.
This
field
contains
various sub-fields such
as: BIN, card number,
branch code, …
=
Separate
information
fields.
Indicate card expiration
date. Format of this field
is YYMM (year, month).
xxx
Define different service
categories.
The
first
character
defines
interchange
areas
as
national/international or
only within the bank; the
second
defines
authorization
process,
available
for
online
authorization by the card
issuing institution or by
the third party with the
approval of card issuing
institution;
the
third
defines service range and
PIN requirements.
“1”+xxxx This field may or may not
”0”+0000 have values as defined by
the first character. If the
first character value is 1,
PVV is present, if the first
character value is 0, PVV
is absent.
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7
Card Verification 3
Value (CVV)
xxx
8
Discretionary Data
5
*****
9
End Sentinel (ES)
1
?
10
LongituBM
#Redundancy
Check Disk (LRC)
1
*
Banknetvn
Indicate
code
value
created
from
card
number, expiration date
and service code.
Field containing private
data of each bank which
is defined by card issuing
bank.
Containing the character
marking end of Track 2.
Contain the character
created for checking data
recorded on Track 2.
Note:
xxx: means this field is the same on different tracks of cards
***: means data will be different on different tracks.
Sample of magnetic cards:
Example 1:
o Information embossed on card:
Card holder: TRAN TRI MANH
Card number: 1234 5678 9012 3445
Expiration : 11/06
o Information recorded on Track 1:
%B1234567890123445^TRI
^06111211XXXX**********XXX******?*
^^^
^^
^^ ^ ^^ ^
|||_ Card number ||_ Card holder
||_ LRC
||_ Format code |_ Field separator
sentinel
|_ Start sentinel
MANH/TRAN
^
^^
|| | || |_ Discr. |_ CVV
|| | ||
data
|_ End
Field separator _|| | ||_ PVV*
Expiration Date _| | |_ PVV key indicator
|_ Service code
o Information recorded on Track 2:
;1234567890123445=06111211XXXXXXX*****?*
^^
^^ ^ ^^ ^
^^
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||_ Card number || | || |_ CVV ||_ LRC
|_ Start sentinel|| | ||_ PVV*
|_ End sentinel
Field separator _|| | |_ PVV key indicator
Expiration Date _| |_ Service code
Example 2:
o Information embossed on card:
Card holder: TRAN TRI MANH
Card number: 1234 5678 9012 3445
Expiration : 11/06
o Information recorded on Track 1:
%B1234567890123445^TRI
^06111200000000000000**XXX******?*
^^^
^^
^^ ^
|||_ Card number ||_ Card holder
||_ LRC
||_ Format code |_ Field separator
sentinel
|_ Start sentinel
data
^
MANH/TRAN
^
|| |
|| |
Field separator _|| |
^^
|
|_ CVV**
|
|_ End
|_ Discretionary
Expiration _| |_ Service code
o Information recorded on Track 2:
;1234567890123445=06111201XXXX00000000?*
^^
^^ ^ ^
^^
||_ Card number || | |_ Encrypted||_ LRC
|_ Start sentinel|| |
PIN*** |_ End sentinel
|| |_ Service code
Field separator _||_ Expiration
Note:
-
Service Code in Example 1 is 121, this means the cards are used for
international transactions, the transactions are authorized online by card
issuing institution, and the cards have no limit to service range;
-
PVV Key Indicator: This field indicates whether PVV or Offset value is
present;
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-
Information fields with XXX and of the same color have the same value in
each example;
-
Information on Track 2 will be reproduced in messages for card transactions
going through Banknetvn’s Switch;
-
Information on Track 1 is optional.
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Appendix 11: SPECIFICATIONS ON BIN ASSIGNMENT OF BANKS
Each member bank should have a BIN (Bank Identification Number).
BIN of banks
Card BIN numbering system complies with ISO 7812 and ISO 3166 (Appendix
4 and Appendix 6 - attached).
Structure of card number
When being issued, each card has an defined number (or “card number”). The
structure of “Card number” is as follows:
ISSUER IDENTIFICATION NUMBER
(fixedlength6digits)
INDIVIDUALACCOUNT
IDENTIFICATION
CHECK
DIGIT
…
MII
(variablelength,max.
12digits,seeISO 7811-3)
PRIMARYACCOUNTNUMBER (PAN)
(alsoreferredtoastheIdentificationNumber)
BIN contains 6 digits for
identifying a bank when joining
Banknetvn system.
MII (Major Industry Identifier) – is the identification number of industrial services
(Appendix 4 – attached).
When joining in Banknetvn system, the digits after BIN are defined by each
member bank.
BIN (Bank Identification Number), or IIN (Issuer Identification Number) for card
issuing institutions, has format as follows:
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9
7
0
4
Banknetvn
x
x
-
The first digit is 9 to indicate local cards.
-
The next 3 digits are 704 to indicate country code of Vietnam.
-
The last 2 digits (xx) have optional value defined and assigned for each
member.
-
When joining Banknetvn switching system, member banks can keep their
former BIN to avoid changing cards for customers. However, for new cards tp
be issued, banks should follow the regulations on BIN numbering as indicated
in the Table below.
-
Banks agree to registerBIN with the format 9704xx, where xx are the digits
selected and registered by banks.
Examples for BIN numbering rules
Member bank
BIN
Vietnam National Financial Switching Joint Stock Company 970411
(Banknetvn)
Vietnam Bank for Agriculture and Rural Development 970499
(VBARD)
Bank for Investment and Development of Vietnam (BIDV)
970488
Industrial and Commercial Bank of Vietnam (ICB)
970489
Asia Commercial Bank (ACB)
970418
Saigon Thuong Tin Commercial Bank (Sacombank)
Eastern Asia Commercial Bank (EAB)
Saigon Bank for Industry and Trade (Saigonbank)
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Appendix 12: PIN ENCRYPTION AND KEY MANAGEMENT
1. PIN encryption
1.1 PIN encryption and transfer (for the next phase)
The process of PIN encryption and transfer is as follows:
-
PIN generation, PIN storing method, encryption key for PIN depend on each
member bank, PIN cannot be more than 6 (six) digits;
-
PIN transfer in the operation of Banknetvn’s switching system is done through
PIN Block. PIN Block format complies with regulations in sub-section “PIN
Block Format”;
-
For PIN security during transfer process on network, the banks must encrypt
PIN block before it is transferred from card acceptor devices to switch of
acquirer. PIN block of acquirer is secured by keys agreed with Banknetvn
before it is transferred to Banknetvn;
o Banknetvn receives encrypted PIN blocks from card acquiring bank,
decrypts and re-encrypts by the key agreed with card issuing party and
sends to card issuing bank without capturing the clear PIN block;
o PIN contains 6 characters in maximum (usually 4 or 6 characters).
-
In financial transactions through Banknetvn system, PIN block format
complies with ISO 9564-1 format 0. In which, clear PIN block and PAN
(Primary Account Number) are applied with algorithm “XOR”, and then
encrypted by algorithm “3DES” to create an output of 64 bit encryption block;
ATM of member banks must have EPP module (Encrypting PIN Pad) supporting
3DES in compliance with ISO 9564-1, ISO 13491-1 and ISO 13491-2. EPP
module will encrypt PIN block as soon as receiving PIN entered by customers
before sending to host (processing center) of the bank to enhance PIN security for
customers.
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Clear PIN block
DES Encryption
Key 1
DES Decryption
Key 2
DES Encryption
Key 1
Encrypted PIN
block
Clear PIN block
Figure 3.1.1.1 – PIN encryption in ATM (EPP)
Encrypted PIN
(PIN block)
DES Decryption
Key 1
DES Encryption
Key 2
DES Decryption
Key 1
Decrypted PIN
(Clear PIN block)
Figure 3.1.1.2 – PIN decryption in Processing Center
Some hardware security levels of FIPS for HSM
1. Security Level 1
Security Level 1 provides lowest security level and proposes basic security
requirements for encryption module. Physical security techniques are not required
in the module.
2. Security Level 2
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Security Level 2 enhances physical security of a Security Level 1 module by
adding requirement of tamper evident coatings or seals for high security keys
(pick-resBanknetvnant locks). Tamper evident coatings or seals can be set in an
encryption module so that it is unavailable for physical access to encryption keys
and other important security parameters in the module without breaking coatings
or seals. Pick-resBanknetvnant lock can be set outside or at gate to prevent
unauthorized physical accesses.
Level 2 provides role-based authentication in which each module must check the
operator to accept a separate role and perform a group of corresponding services.
3. Security Level 3
Security Level 3 requiring advanced physical security is available in many
commercial products.
Level 3 provides identity-based authentication, which is stronger than role basedauthentication used in Level 2. A module must authenticate the operator identity
to gain a role and perform a group of corresponding services.
Level 3 provides higher requirements for entering and extracting security
information. Data ports used for security information must be separated physically
with other data ports. Moreover, the information must be entered or extracted from
module in encryption mode using split knowledge procedures.
4. Security Level 4
Security Level 4 provides the highest security level.
Physical security Level 4 provides a security cover around encryption module.
Contrary to switches used to discover counterfeiting in low levels, the purpose of
security level 4 is to discover accesses to the equipment from any directions. If
anyone breaks the encryption module cover, this effort will be detected and all of
the security information will be deleted.
Level 4 also protects encryption module from damage of security in environment
conditions or unusual changes outside usual voltage and temperature operation
limits of the module.
Operation model of HSM:
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ATM’s EPP
Acquirer Host
PIN Translation
Banknetvn Switch
Issuer Host
PIN Translation
PIN Verification
HSM
HSM
HSM
1.1. PIN block Format
Because algorithm DES (3DES) works with only 64 bit data block input,
maximum length of each PIN is 16 digits.
According to ISO 9564-1, structure of PIN data block is 64 bits. The 4 most
important bits in this block are located in control field and have following values
in values:
0000
Format 0 (Proposed format)
0001
Format 1
0010
Format 2 defined in ISO 9564-3
0011
Format 3
PIN Format 0 block is built by module-2 (XOR) with two 64-bit fields: clearPIN
field (with fulfilment number F - Hexa system) and PAN field with following
information:
-
Clear PIN Block format is as follows:
Bit position
1
5
9
13 17 21
25
Value
C
N
P
P
P/F P/F P/F P/F P/F P/F P/F P/F F
P
P
29
33
37
41
45
49
53
In which:
C = Control field
0000
N = PIN length
4 bits with values from 0100 (4) to 1100 (12)
P = PIN
4 bits with values from 0000 (0) to 1001 (9)
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57
61..
64
F
Vietnam National Financial Switching Joint-stock Company
P/F =
number
Banknetvn
PIN/Fulfillment This field is defined by N value
F = Fulfillment number 4 bits with value of 1111 (15)
(Hexadecimal)
Example : Clear PIN block format 0:
0
5
2
Control
number
“0”
0
PIN
5 2
length
“5”
4
6
8
0
F
6
F
F
F
F
F
F
F
Fulfillment numbers with“F”
values in Hexa system (equivalent
to 15 in the decimal system)
PIN
4
F
8
0
F
F
F
F
F
F
F
F
F
 PAN format is as follows:
Bit
1 5 9 13 17
position
Value
0 0 0 0
21
25
29
33
37
41
45
49
53
57
61..
64
A1 A2 A3 A4 A5 A6 A7 A8 A9 A10 A11 A12
In which:
0 = Pad digit
4 bit field with 0 value (indicates 0 in binary 0000)
A1 … A12 = account number 12 right-side numbers of PAN except check digit. A12 is
A1 to A12 receive value in the number before check digit of PAN. If PAN without
check digit is less than 12 digits, it will be put gradually
the range [0,..,9]
starting from the right and filled in the remaining left
position with Pad digits.
1.2. 3DES Encryption algorithm
This algorithm uses dual key (128 bit). 3DES uses 64 bits in the left of the key to
encrypt data, 64 bits in the right of the key to decrypt that encryption result and
reuse 64 bits in the left of the key to encrypt the last decryption (The left part of
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the key must be different from the right part of the key. If 2 parts are the same,
then encryption, decryption and encryption once again with one key will be as
the same with using a single 56 bit key).
Example of a dual 3DES key (128 bit) with 64 bits in the left (key 1) and 64 bits
in the right (key 2) is shown below:
AAEEAA75BDFDB57F
66AAEEAA66AAEEAA
Key 1
Key 2
The following diagram describes how to use a dual 3DES key for data
encryption:
DATA
DES
Encryption
Key 1
DES
Decryption
Key 2
DES
Encryption
Key 1
Encrypted DATA
Using dual 3DES key in switching network requires synchronization and
unification of all member banks. In order to change to 3DES, banks using DES
will need time and expenses for:
-
Upgrading or replacing ATM and HSM;
-
Upgrading or re-writing software for ATM network administration and ATM
transactions management;
-
Replacing or customizing encrypted key storage database in order to be
compatible with greater length of keys;
-
Generating, transferring, loading and storing a lot of new 3DES keys;
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-
Enhancing checking and certification;
-
Canceling currently used single keys.
Banknetvn
2. Key management
2.1. Key management principles
-
Keys comply with ISO 11568 (Appendix 9);
-
Unable to access to or identify the clear-text format of any security
keys;
-
The system must prevent and discover the access to any keys; prevent
unauthorized changes, replacement, deletion or insertion of any keys;
-
Security keys are created under a process that one or a group of security
values can not be guessed;
-
A key will be replaced by a new one if the old key is under risks of
being compromised, violated or damaged;
-
A compromised key in a “line” will not affect other keys in other
“lines”;
-
A compromised key will be unable to provide any information to find
out any replacement;
-
A key will only be read in a device when this device is secured and does
not lead to modification or replacement without authorization.
2.2. Types of keys
-
LMK (Local Master Key or Master File Key): used for storing other
types of keys in switch database;
-
ZMK (Zone Master Key): used for encrypting other types of keys
(KEK: Key Encryption Key) so that they can be transferred
automatically from switches of member banks to Banknetvn switch and
vice versa. ZMK is 128 bits in length;
-
ZPK (Zone PIN Key or PIN Encryption Key or Working Key - WK):
PIN encryption key, or working key. This key is 128 bits in length;
-
MAK (Message Authentication Key) used for the MACing process.
The MAK can be static or dynamically generated for each bank. The
MAK can be double length (32H) or single length (16H) for each bank.
The above keys will be encrypted by 3DES algorithm and stored in switch
database (allowing to manage keys flexibly, permanent backup/retrieve/store,
and meet requirements of increasing numbers of key ).
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2.3. Zone Master Key Security (Master Key)
Master key is the key used to decrypt working key (working keys are encrypted
by Master key and sent in 0800/0810 messages). Therefore, it is necessary to
secure Master key. Master keys between Banknetvn and each member are
different. Master keys are created by HSM of Banknetvn. When creating Master
key for a member, there must be participation of 2 parties including a person
assigned by Banknetvn and a person assigned by the member bank. Banknetvn
defines tasks and responsibilities of Master key manager as follows:
1. Key manager assignment
People responsible for managing Master Key of the member will be a person
assigned by General Director or Director of Informatics Center of the member and
a person of Banknetvn assigned by Banknetvn.
2. Responsibilities of key managers
o Receive and store key parts securely.
o Control key data, check the data and their secure storage.
o Do not reveal keys to unauthorized people.
o Maintain logs and journals to monitor the access to key data and its usage
including access time, date, purpose and return to secured storage.
o Witness, destroy expired key parts or witness the cancellation of old keys
when accepted by Banknetvn and the member bank.
o Enter key data into security encryption modules (HSM) when required.
3. Key creating process
When a member bank joints Banknetvn, the procedures for MK (Master key)
exchange between Banknetvn and such bank will be as follows:
Step 1: The member bank requests for MK exchange in written to Banknetvn.
Step 2: Banknetvn’s department responsile for HSM administration receives
the request and generates a part of MK corresponding to such member bank. The
member bank also generates a part of MB dedicated for connection to Banknetvn.
Normally, MMK will be generated from 02 components. In case MK is requested
to generate from more than 02 components, Banknetvn and the Member bank will
discuss and agree on the number of components generated by each party.
Step 3: Banknetvn and the Member bank generates MMK by the following
methods: Banknetvn and and the member bank will choose a location, date and
time and assign personel to enter MK component into HSM of the other party
(with the minutes on MK generation which is signed by such personel of both
parties). The comparision of the results of KCV (Key Check Value) obtained from
MK generation on HSM at Banknetvn and the Member bank will be done normal
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communication way (such as: via telephone, email…) If the result is the same for
both Parties, the MK generation is successful. If the result is different, the MK
generation is fail and both Parties shall review Step 1 and Step 2 to find out the
reason of failure.
Step 4: After being generated successfully, MK will be entered in the systems
of Banknetvn and the Member bank. The key will be used for the key exchange
for encryption of connection between the two Parties
2.1. HSM Configuration
HSM needs to be configured with some standard parameters. The parameters
marked in bold characters are essential. Especially, the two parameters Enable
X9.17 for importand Enable X9.17 for export need to be set to Yes to ensure
that there is no error in the ZPK exchange process.
For example: Configuration of HSM Thales 8000
Online>qs
PIN length: 06
Encrypted PIN length: 07
Echo: OFF
Atalla ZMK variant support: OFF
Transaction key support: Racal
User storage key length: Double
Single-DES: Enabled
Select clear PINs: Y
Enable ZMK translate command: YES
Enable X9.17 for import: YES
Enable X9.17 for export: YES
Solicitation batch size: 1024
ZMK length: D
Prevent Single-DES keys masquerading as double or triple-length keys:
NO
PIN encryption algorithm: A
Card/password authorisation: C
Decimalization tables: PLAINTEXT
Decimalization table checks: Disabled
Authorised State required when Importing DES key under RSA key: YES
Minimum HMAC key length in bytes: 08
Enable PKCS#11 import and export for HMAC keys: YES
Enable ANSI X9.17 import and export for HMAC keys: YES
Enable ZEK encryption of all printable ASCII chars : NO
Enable ZEK encryption of "Base94" ASCII chars : NO
Enable ZEK encryption of "Base64" ASCII chars : NO
Enable ZEK encryption of "Hex-only" ASCII chars : NO
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Restrict Key Check Values to 6 hex chars : YES
Enable multiple authorised activities: YES
LMK check: XXXX XXXX XXXX XXXX
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Appendix 13: CARD ACCEPTOR TERMINALS
Requirements for ATM/POS when joining Banknetvn shared switching system are
as follows:
Requirements for ATM
-
ATM card acceptor terminals are able to read information on both tracks:
Track 1 and Track 2.
-
PIN entering interface allows entering 6 characters in maximum.
-
PIN entering devices should have EPP module (Encrypting PIN Pad – a
device for PIN encryption put right under the terminal keyboard)
supporting 3DES. Encryption devices must comply with ISO 13491-1 and
ISO 13491-2 (see Appendix 8 - attached).
-
ATM has ability to identify whether BIN recorded on cards belongs to the
Issuer joining Banknetvn share switching network or not.
-
A transaction can be processed successfully at ATMs only when it is
authorized by the Issuer.
Requirements for POS
-
A POS terminal must allow customers to select supported transactions
including Sale/Purchase, Balance Inquiry and Void debit. The flow for
these transactions is described in Appendix 10.
-
Card acceptor POS terminals are able to read information on both tracks:
Track 1 and Track 2.
-
PIN entering interface allows entering 6 characters in maximum
-
PIN entering devices should have EPP module (Encrypting PIN Pad – a
device for PIN encryption put right under the keyboard of terminals)
supporting 3DES. Encryption devices must comply with ISO 13491-1 and
ISO 13491-2 (see Appendix 8 - attached)
-
POS terminals allow cards of other member banks to be swiped or
manually entered and authorization request must be sent to the Issuer. A
transaction can be performed successfully at POS only when it is
authorized by the Issuer.
-
POS terminals must be configured to contain spaces for cards of Issuers
joining the shared switching system so that cards of other member banks
are allowed to perform transactions at the terminals.
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Appendix 14: Description flow of IBFT Transaction on ATM
Xin nhập Mật mã cá nhân qua phím bên dưới
Nhập
Enter
Xóa
Clear
Please enter your PIN by PinPAD below
H1
Ngân hàng ABC xin kính chào quý khách
Xin vui lòng chọn loại giao dịch
Vấn tin
Đổi PIN
Balance Inq
PIN Change
Rút tiền
Cash withdrawal
Giao dịch khác
Other Transaction
In sao kê
Statement
Chuyển khoản
Transfer
Welcome to ABC Bank
Please select transaction
H2
Send PIN Verify message after Transfer is selected.
If ATM receives an ok response PIN Verify message, ATM goes to: H3
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Bạn muốn chuyển từ tài khoản nào
Giao dịch khác Tài khoản mặc định (Tài khoản thẻ)
Other Transaction
Default Account
Tài khoản tiết kiệm
Saving Account
Tài khoản tiết kiệm
Saving Account
Hủy giao dịch
Cancel
Which Account do you want to Transfer
H3
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Vui lòng chọn Ngân hàng chuyển khoản đến
NH Nong nghiep va Phat
trien nong thong VN
(AGRIBANK)
NH Cong thuong Viet Nam
(VIETINBANK)
NH TMCP A Chau
(ACB)
NH Dau tu va Phat trien Viet Nam
(BIDV)
NH TMCP Sai gon thuong tin
(SACOMBANK)
NH TMCP Sai gon Cong thuong
(SAIGONBANK)
Ngân hàng khác
Other Bank
NH TMCP Dai duong
(OCEANBANK)
Please choose beneficiary bank
H4
Vui lòng nhập Số tài khoản/ Số thẻ người thụ
hưởng qua bàn phím bên dưới
Giao dịch khác
Other Transaction
Nhập
Enter
Xóa
Clear
Hủy giao dịch
Cancel
Please enter Beneficiary Account / Card
number by PinPAD below
H5
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Vui lòng nhập số tiền muốn chuyển qua bàn
phím bên dưới
Giao dịch khác
Other Transaction
Nhập
Enter
Xóa
Clear
Hủy giao dịch
Cancel
Please enter amount to transfer by PinPAD
below
H6
Send iBFT Inquiry after “Enter” button is selected
If ATM receives an ok response message, ATM shows
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Vui lòng xác nhận các thông tin chuyển khoản
sau
Tên chủ TK/ Số thẻ
thụ hưởng
Nguyen Van A
Beneficiary Account/
Card holder name
Số TK/ Số thẻ thụ
hưởng
Beneficiary Account /
Card number
0123456789
Số tiền
Amount
10.000.000
Ngân hàng thụ hưởng
Beneficiary bank
ABC
Đồng ý
Accept
Không
Cancel
Please confirm above transfer information
H7
Send iBFT Payment after “Accept” is selected
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Quý khách đã chuyển khoản thành công.
You’ve transferred successfully.
Đồng ý
Accept
H8
ATM prints the receipt of iBFT transaction
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ATM iBFT Transaction Flow
[Idle Screen]
Customer inserts card
PLEASE ENTER
YOUR PIN
Save PIN
to ATM
Buffer
PLEASE SELECT THE
TRANSACTION
Cancel
* CASH WITHDRAWAL
* BALANCE INQUIRY
* INTERBANK FUND TRANSFER
* MINI STATEMENT
Cash withdrawal
I
Balance inquiry
II
Mini statement
II
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IV
Send PIN
Verify msg to
Switch Pcode
VERPIN
Banknetvn
Pc920000
Verify PIN
PLEASE SELECT THE ACCOUNT TYPE
* Default Account
* Savings Account
* Current Account
Load Beneficiary Bank
PLEASE SELECT
BENEFICIARY BANK
* Bank 1
* Bank 2
* Bank 3
ENTER CARD NUMBER /ACCOUNT
NUMBER
ENTER AMOUNT TO TRANSFER
Send IBFT Inq
msg to Switch
Pcode
INQIBFT
iBFT INQ
Pc390000
Pc390010
Banknetvn
CONFIRM TRANSFER INFO
TRANSFERRED SUCCESSFULLY
TAKE RECEIPT
Or
PLEASE CHECK YOUR ACCOUNT IF
NOT SUCCESSFULLY
Send IBFT
Payment msg
to Switch
Pcode
IBFTPAY
Pc400000
Pc410000
Pc420000
Pc480000
Banknetvn
[Idle Screen]
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