Scope
The Inquiry verification Initiation message is sent by an acquirer or agent to an issuer to request or verify information related to the card (e.g. about a cardholder, the availability of funds, etc.).Outline
The InquiryVerificationInitiationV04 MessageDefinition is composed of 48 MessageBuildingBlocks:
- Header — Information related to the management of the protocol.
- Transaction Characteristics — Contains the key data elements of the transaction.
- Originator — Information related to the originator.
- Acquirer — Information related to the acquirer.
- Sender — Information related to the sender.
- Card — Card or payment token performing the transaction.
- Account From — Identifies a customer account or a relationship to its account affected for debit, inquiries and the source of funding for transfers.
- Account To — Identifies a customer account or a relationship to its account affected for credits, inquiries and the destination account for funds transfers.
- Receiver — Information related to the receiver.
- Issuer — Information related to the issuer.
- Destination — Information related to the destination.
- Programme — Programme, network, or brand processes the transaction.
- Transaction Identification — Identification of the transaction.
- Conversion Date Time — Date and Time of currency conversion.
- Exchange Rate — Further detailed information on the exchange rates that have been used in or are related to the transaction.
- Transaction Amounts — Amounts of the card transaction.
- Additional Amount — Amounts that are not part of the transaction amount and not included in reconciliation.
- Acceptor — Card acceptor performing the card transaction.
- Transactor — Information related to the transactior who provides technical payment solutions for acceptor and originator to conduct transactions.
- Terminal — Payment terminal or ATM performing the transaction.
- POI Component — Data related to the components of the POI (Point Of Interaction) performing the transactions.
- Context — Contains or describes conditions and characteristics of the transaction.
- ICC Related Data — Data related to an integrated circuit card application embedded in the payment card of the cardholder.
- Authentication Data — Contain information related to authentication.
- Payer — The party providing source of funds.
- Payee — The party receiving funds. A Token
- Details of payment token . — AB CustomerDevice . Identification of the customer device performing the transaction. AC Wallet . Container for tenders used by the customer to perform the payment transaction. A Cardholder
- Cardholder performing the card payment transaction . — AE Verification . Contain validation result and/or data to be validated. AF Risk . Context of risk associated with the transaction. A SpecialProgrammeQualification
- Data to qualify for incentive or other related programmes . — A Instalment
- Data exclusively related to a card issuer financial loan of the payment transaction , or instalment . — AI. AdditionalService Additional functions or services to be performed in conjunction with the transaction. AJ. FundsServices Financial services related to the account. A Jurisdiction
- Contains information that identifies or is specific to a transaction jurisdiction . — AL SettlementService . Type of settlement service for specific services requiring settlement. A AdditionalFee
- Fees not included in the transaction amount . — A Reconciliation
- Identification of the reconciliation period between the acquirer and the issuer or their respective — agents. A Benefits
- Contain benefit supporting data . — AP OriginalResponseCode . Original response code. A ProcessingResult
- Outcome of the processing of the authorisation . — AR StrongCustomerAuthentication . EU PSD2 Strong Consumer Authentication data. AS ProtectedData . Contains protected data and the attributes used to protect the data. AT PrivateData . Reserved for private data. The use of this data element is determined by bilateral agreement. A NationalData
- Reserved to define data unique to the country applications . — A SecurityTrailer
- Trailer of the message containing a MAC .
InquiryVerificationInitiationV04
NqryVrfctnInitn
Mandatory
Type: InquiryVerificationInitiationV04
Hdr
Mandatory
TxChrtcs
Mandatory
Orgtr
Optional
Acqrr
Mandatory
Sndr
Optional
Card
Optional
AcctFr
Optional
AcctTo
Optional
Rcvr
Optional
Issr
Optional
Dstn
Optional
Prgrmm
Optional
Mandatory
ConvsDtTm
Optional
XchgRate
Repetition (0..n)
TxAmts
Optional
AddtlAmt
Repetition (0..n)
Accptr
Mandatory
Txtr
Optional
Termnl
Optional
POICmpnt
Repetition (0..n)
Cntxt
Mandatory
ICCRltdData
Optional
AuthntcnData
Optional
Pyer
Optional
Pyee
Optional
Tkn
Optional
CstmrDvc
Optional
Wllt
Optional
Crdhldr
Repetition (0..n)
Vrfctn
Repetition (0..n)
Rsk
Repetition (0..n)
SpclPrgrmmQlfctn
Repetition (0..n)
Instlmt
Optional
AddtlSvc
Repetition (0..n)
FndsSvcs
Optional
Jursdctn
Optional
SttlmSvc
Optional
AddtlFee
Repetition (0..n)
Rcncltn
Optional
Bnfts
Repetition (0..n)
OrgnlRspnCd
Optional
PrcgRslt
Optional
StrngCstmrAuthntcn
Optional
PrtctdData
Repetition (0..n)
PrvtData
Repetition (0..n)
NtlData
Repetition (0..n)
SctyTrlr
Optional