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ISO 8583 Message Format
ISO 8583 Message Format
Interoperability Standard
Telecommunications and Networks Group
IIT Madras
RamyaR
ramyar@lantana.tenet.res.in
TeNeT Group IIT-M
Presentation Outline
Status Quo
What is ISO 8583?
Features
supported
by
Structured Financial Messaging Solution
Interoperability Standard Document
ISO 8583 Format
Sample Message Format
Status Quo
standards follows it
Payments happen across multiple systems and
networks
Banks in India follow SFMS and ISO 8583
SFMS (Structured Financial Messaging Solution )
follows SWIFT and ISO 7775
Message Flow
Customer
TSP
TSP
MPP
ISO
ISO
8583
8583
BankB
Settlement
Beneficiary
ISO
8583
ISO 8583
MPP
ISO
ISO Bank
8583
C
8583
ISO
8583
Bank Accounts
Prepaid cards
Transaction Types
Bit Maps
Data Elements
BitMaps
Indicates which data elements are present
Data Elements
B-Message Class
Example:
C-Message Function
Example:
D-Transaction Originator
Example:
0-Acquirer
Data elements
These fields carry the transaction information
Each message class has a defined set of data
elements
Data elements in a message class can be
Mandatory/ Optional/ Conditional
A message may / may not have all data
elements of its Message Class
TeNeT Group IIT-M
10
Data Fields
Data Fields
Fixed Length
Numeric, Alpha Numeric and binary
Variable Length
Max Length 99- Numeric, Alpha Numeric and binary
Max Length 999- Numeric, Alpha Numeric and binary
11
12
13
Pull Method
Beneficiary
Beneficiarys
MPP
Beneficiarys
Bank
Customers
Bank
Customers
MPP
Customer
14
MPP-MPP
MPFI Field
B's MPP Id
C's MPP Id
Bit #
32
2
M/O
M
Amount
B's Name
C's Number
B's Number
C's a/c Number
B's a/c Number
C's Bank Id
B's Bank Id
4
43
123
43
102
103
100
33
M
M
Cs Name
Transaction Id
Tx Date & Tx Time
Control Field
Customers name
Systems Trace Audit Number
Date and time local transaction
Bit Map
124
11
12
1
M
M
Y
Y
Y
Y
Y
Y
22
Function code
24
26
Processing Code
Msg 2
Y
Y
Y
Y
Msg 4
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
15
MPP- Bank
16
Beneficiary
Beneficiarys
MPP
Beneficiarys
Bank
Customers
Bank
Customers
MPP
Customer
17
MPP-MPP
MPFI Field
Bit #
M/O
Msg 7
B's MPP Id
32
C's MPP Id
PAN
Amount
Amount Transaction
B's Name
43
C's Number
Target Number
123
B's Number
43
Account identification 1
102
Account identification 2
103
C's Bank Id
100
B's Bank Id
33
Cs Name
Customers name
124
Transaction Id
11
Tx Date &
Tx Time
12
Bit Map
Action code
39
Response Code
Y
M
Y
M
18
Thank You
19