Ensuring end to end transaction integrity

Overview

Transaction integrity can be seen as ensuring that all players within an individual iVeri transaction agree on its outcome. When a Card Holder gets his statement from his Issuer, it must correspond to his instruction to the merchant for a corresponding transaction.When transaction integrity is compromised either willfully (fraud) or unintentionally, it can result in a disputed transaction with legal impacts.

Individual transactions

Void

A “Void” of a previous transaction request is a command to ignore (i.e. cancel the effects of) a previous (recently submitted) transaction request. When a merchant receives a successful response for a transaction request, and thereafter “something goes wrong”, then the Merchant has the option to “void” the transaction.

Examples of “something goes wrong” are:

• communications error between merchant and cardholder

• printer could not print the invoice

• problem accessing merchant database

A merchant can also call “void” when s/he does not know whether a response was received from the iVeri Gateway (for example a power failure).

A successful void (cancellation) typically results in the transaction not being shown on the merchant nor the cardholders’ statements.

Transaction sets are settled as a group at predefined periods (cycle cut off time).

A “Void” can only be successful if the transaction being cancelled has not passed its cut off time. Therefore, when a void is required, it should be done as soon as possible (particularly since cycle cut off time is out of the control of a merchant). If the void request is submitted too late, then the void request will fail, and a separate reversal transaction would be required.

Enterprise users call Void with the syntax similar to:    

enterprise.prepare("Transaction", "Void", applicationID, mode);

A Void request must set one of the following parameters: OriginalMerchantTrace or OriginalRequestID, for example:

enterprise.setTag("OriginalRequestID", requestID);

A Void has one of the following responses:

Result Code	Result Description	Action
0	Void successful	Transaction successfully voided.
13	Void unsuccessful	Too late to void the transaction.
1	Timeout	Void can be automatically retried a minute later
\9	Unable to process	Void can be automatically retried a minute later
255	General Error (Exception)	Void can be retried a minute later after the problem given in the ResultDescription is fixed (which may require manual intervention)