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STARCOIN C&A User Manual Volume I of II

1. Until their archival the data remain inthe database an may slow down accesses to it Only archival and purging of the database deletes old transactions Please note that only fully settled and exported transactions can be archived and purged e Enter Period From amp Period To Date in DD MM Y Y Y Y format for which the following transactions are to be archived e Customer Load and Unload Transactions e Individual recorded purchase Transactions ECH e Pool related purchase Transactions IEP e APOS related purchase Transactions POS e Customer load unload settlement Advice e JEP purchase Settlement Advice e ECH purchase Settlement Advice e POS purchase Settlement Advice e Transfer Files of IEP ECH purchases e Press the Archive button e This process will generate the following flat files respectively in the Server Export directory mentioned in STARCOIN INI file SETTLEMENT_EXPORT_DIR lt Path gt lt Filename gt e ctnarch dat STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration ptnarch dat cplarch dat dptarch dat davarch dat islarch dat eslarch dat dpaarch dat trfarch dat 2 9 Purge Transaction Administration e Access Path System Administration Purge Database This process will delete all the records from the database within the specified period which are already archived e Enter Period
2. e Customer Customer Card amp respective IEP ECH details are now on the screen 6 2 4 2 Replace card e Select a Customer Card e Cards can be replaced under the following combinations of Status Reason List Status and Card Status Sl Status List Status Card Status Re Remarks Reason pla ce 1 Alert Red Listed DEACTIVAT N If Status Reason 1s Alert this is ED the only possible combination 2 Bank Neither LOCKED N Locked cards cannot be Replaced Request Card Status of LOCKED card can be changed to ACTIVE again Red Listed LOCKED Locked by Neither LOCKED N C amp A System Red Listed LOCKED Defect Neither RESTRICTED Y Ifa defective card is not Red USE Listed then it can be replaced Red Listed RESTRICTED N USE 5 Lost Stolen Neither RESTRICTED Y Ifa Lost Stolen card is not red USE listed it can be replaced ed Listed RESTRICTED N USE 7 Returned Neither RESTRICTED A card is returned to the C amp A USE system only when the customer decides not to use the card anymore Hence it cannot be replaced Red Listed RESTRICTED N USE System Neither RESTRICTED The system provider may set the Provider USE card to restricted use to restrict further load unload with the card Red Listed RESTRICTED Page 100 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Proce
3. Manual is entered the sub menu options of Settlement menu option is enabled If there are valid unsettled load unload transactions in the system manual Debit Advice can be raised at any time However manual Settlement Advice is meant only for valid purchase transactions that has been read from the transfer files and loaded in the C amp A database but due to some reasons oracle error pipe error etc couldn t be settled Manual Automatic settlement can be fired only once in a day If settlement has to be fired more than once in aday the settlement export files has to be moved deleted from the designated directory On Manual the Settlement must be started via Settlement Debit Advice Settlement of Load Unload transaction Settlement Advice Settlement of IEP ECH Purchase transactions After successful settlement the settlement data files must be exported also manually Utilities Export Debit Advice Export Load Unload settlement advice gt Settlement Advice Export Purchase settlement advice Volume I of 11 26 04 99 Page 39 of 107 2 System Setup and administration FINAL CONFIDENTIAL 2 4 5 Page 40 of 107 On Automatic the complete settlement and export process of all transactions load unload purchase having arrived until this time is started at the time defined in Settlement time Later incoming transactions are cleared the next day Please note the off line cbserver process cbserv
4. or Close button is pressed system will ask for a confirmation and will act accordingly STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 107 of 107 Version 2 0 0 Revision 15 04 99
5. data of a particular manufacturer can be entered Insert a new Terminal Manufacturer Enter valid values in the following fields e Manufacturer Name Characters with maximum length 30 Mandatory e Street where the manufacturer is located Characters with maximum length 30 Not Mandatory STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 88 of 107 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance e City where the manufacturer is located Characters with maximum length 30 Not Mandatory e ZIP Code of the city where the manufacturer is located Characters with maximum length 30 Not Mandatory e Telephone Characters with maximum length 30 Not Mandatory e Contact Person Characters with maximum length 30 Not Mandatory e Press Save button On proper condition check a new Manufacturer record will be saved with system generated Manufacturer Id 5 7 2 Deleting A Manufacturer A terminal manufacturer can be deleted if there are no terminals in the C amp A database from that manufacturer e Press Query button The cursor will be at Manufacturer Id e Press Search button A List of values for selecting Manufacturer Id will pop up Select a particular Manufacturer and press Ok button in the List of Values e Press Execute button The Manufacturer record will be fetched e Click on Delete Flag If all the conditions for deleting the Manufacturer is satisfied
6. POS PTN Pur Qry Rpt Resp Rslt Stl Sig CUR ERR ITM RFU RLI ROL RLU USR Temp TMF Trm TRM STARCOIN C amp A User Manual FINAL CONFIDENTIAL Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 1 Introduction e Table 1 1 Definitions Acronyms and abbreviations 1 4 Related Publications GD1 STARCOIN Payment scheme 1 3 0 28 01 99 on GD2 STARCOIN Specification Debit POS 1 1 1 20 11 98 on line authorisation GD3 STARCOIN Key update strategies e Table 1 2 Referenced documents STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 9 of 107 Version 2 0 0 Revision 15 04 99 1 Introduction 1 5 Page 10 of 107 FINAL CONFIDENTIAL Organisation of this document This User Manual is organised into the following 10 Chapters Chapter 1 Introduction Gives a General Introduction of the Scope and System Functionality It also gives a description of the configuration files required by the system Chapter 2 System set up and Administration process Describes the operation of System Administration Chapter 3 Master Maintenance Describes the operation of Master Maintenance and Bank Clerk s Card handling Chapter 4 Customer and Customer card handling process Describes the operation of Customer Card handling process Chapter 5 Terminal and Terminal Card handling process Describes the operation of Terminal Card handling process Chapter 6 Personalisation Confirmati
7. Valid values are e IS07812 1 ISO Specific Value The Default one e Bank Account Number e Manual Data Entry numeric values only e Bank specific Customer Id numeric values only Issuer Id This field also takes part in Customer Card s Cardholder Id generation This field in enterable only if Cardholder Id value is set to ISO 7812 1 Customer Card ISO Parameters ISO Param To support on line offline Debit POS Purchase and Load Unload Transactions from ATM the Customer s Card needs to be personalised with certain parameters to provide necessary security of these transactions concerning the usage of off line payment authorisations depending on various parameters Additionally the customers cards STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 35 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 4 3 1 Page 36 of 107 contain a mechanism controlling an maximum amount to be spent within a week calculated from Monday to Monday If the defined amount has been spent no more off line Debit POS transactions are possible The defined amount can not be reloaded if used before end of the credit cycle Not all parameters need to be used at the same time Their usage depends on the requirements of the planned payment scheme They are deactivated by setting to their maximum value Please note that all parameters serve as default values for the bank rel
8. 30 Cash A c No This account is required for settlement of Load Unload transactions For Load from Cash this is the source account For Unload to cash this is the destination account Thus this account is required in the C8 A system only if the bank also performs the role of an acceptor bank For other roles this account may be transparent Number ranging from 1 to 99999999999999999999 Service A c No This account is required if the bank pays the service charge for load unload in case of acceptor bank or for purchase in case of merchant bank The requirement of this field depends on the Service code Number ranging from 1 to 99999999999999999999 Service Code Value is All None Load Unload and Purchase Depending on for what service provided by the C amp A system this value determines whether the bank pays the service charge If the service code is All then the bank pays the service charge for Load Unload and purchase If the service code is None then the customer pays the service charge for load unload and the merchant pays the service charge for purchase If the service code is Load Unload then the bank pays the service charge for load unload but the merchant pays the service charge for purchase If the service code is Purchase then the bank pays the service charge for purchase but the customer pays the service charge for Load Unload Does This Bank Pay Service Char
9. 4 1 Page 32 of 107 Change LMK A change of the LMK allows to re encrypt all keys stored on the C amp A database with the new version of the LMK For very high security requirements it is recommended to do it on a periodic basis e g once a year Please note that this is a time consuming process because all Top Level Keys must be reinstalled from their key cards and all related High Level Keys derived newly Select LMK for Key Hierarchy 2 Press Ok the HSM state is displayed 3 Press Ok to change an existing LMK Key Or press Cancel to return to the previous screen 4 Follow the instructions on the screen asking you to insert the respective Key Cards Issue Key Card Key Cards can be issued before usage All key cards are issued with the standard PIN 00 00 00 On issuing they receive two individual PINs One for usage by the C amp A System provider only internal PIN and one for the user of the Key card outside in the field e g G amp D when initialising the key cards 1 Press Ok A new screen is invoked 2 Press Ok to issue a Key Card Or ress Cancel to return to the previous screen 3 Follow the instructions on the screen asking you to insert the respective Key Cards Be sure to have the PIN Mailer Printer attached and the PIN Mailers are inserted A key card can be issued at any time even after certain keys have been loaded System Init Parameter Maintenance Se
10. CATE G AE e Table 6 3 Restrictions for customer card status ACTIVE Set The card status changes from NEW to ACTIVE whenever the a proper Personalisation confirmation is received by the system Import of Personalisation confirmation can be done through Personalisation Import Personalisation Confirmation LOCKED Load denied Transaction Allowed Red Black List m hk ET e Table 6 4 Restrictions for customer card status LOCKED STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 103 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL Set Manually by C amp A Supervisor e g on request of issuer bank or Bank data upload process The status can be reset to ACTIVE be the C amp A Supervisor RESTRICTED USE Card is blocked for certain transactions Allowed Red Black List iT be wma ET nemne fa rm x I e Table 6 5 Restrictions for customer card status RESTRICTED USE Set Manually by C amp A Supervisor Card returned Lost Stolen Defect Other or C amp A Process Card has expired DEACTIVATED End of card life cycle no transactions allowed List flood NN Pl O Unload BR PINentr reset PR Payment x BR e Table 6 6 Restrictions for customer card status DEACTIVATED Set By C amp A Process if Expiry data offset has expired or Reason Alert has been selected List state is Red listed then Table below depicts
11. D initialisation keys and their transport keys e ICC Personalisation keys e TK Personalisation keys e Transfer card Personalisation keys Settlement data securing keys Bank related keys e Personalisation data securing keys As long as the Personalisation takes place in the C amp A system centre the Personalisation data securing keys are stored on different cards than the bank data upload securing keys Card Register Create Keys STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 12 2 Export ICC Personalisation Key This is the customers card personalisation key With this key all keys personalised on a customers card are encrypted Way of export 3 different Key Cards PIN Mailers if required Recipient G amp D for initialisation of customers cards To export the key e System Export Keys Transport Key Encryption Key ICC Personalisation Keys e HSM Board Status displayed e Press Ok to export ICC Personalisation Keys The key components will be saved in key cards please follow the instructions on the screen asking you to enter sequentially key cards and PINs After successful export Ok button gets disabled Press Cancel to come back tothe Main screen from where it has been called 2 12 3 TK Personalisation transport Key This key is a transport key encrypting the terminal cards Personalisation keys
12. From amp Period To Date in DD MM Y Y Y Y format for which the following transactions are to b purged Customer Load and Unload Transactions Individual recorded purchase Transactions ECH Pool related purchase Transactions IEP POS related purchase Transactions POS Customer load unload settlement Advice IEP purchase Settlement Advice ECH purchase Settlement Advice POS purchase Settlement Advice Transfer Files of IEP ECH purchases e Press the Purge button 2 10 View Print System Log e Access Path System Administration 3 View Print System Log STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Volume I of 11 26 04 99 Page 55 of 107 2 System Setup and administration FINAL CONFIDENTIAL 2 11 Page 56 of 107 This process will generate a report consisting of all the transactions made by different users within the specified period The transactions are basically system log records retrieved from database e Do the following operations in the Parameter Form Enter Period From amp Period To Date in DD MM Y YY Y format to specify the period Select Destination Type as Screen File Printer Preview For Printer generated report is redirected to printer device For File report content is stored in a file Enter a filename with proper path if Destination Type is File Select User from the list of Users having entries in System Log Select Table Name from the
13. It also Updates the Card Status In addition the process also maintains Customer Information Cards can be issued to an existing customer in a C amp A system or a new customer of an issuer bank Cards are issued bank wise for a card service IEPPOS ECHPOS BAC If the card issued is of service IEPPOS then the card contains one electronic purse with an IEP number If the card issued is of service ECHPOS then the card contains one electronic cheque with an ECH number Card with service BAC does not contain any purse cheque Certain card data of the issued customer cards of a particular service are exported into certain files These files are used by the Personalisation machine for electrical and optical Personalisation of the customer cards The response of the electrical and optical Personalisation process generates a flat file This response file is used by the C amp A system to import the response of Personalisation process and setting the card to an active state After this process the Personalisation of the customer card is complete and the card is ready for use 6 1 1 Purpose Issue Cards This task serves either of following two purposes Add a new Customer along with the Customer Card s Add new Card s to an existing Customer Replace Cards This task Replaces an existing Customer Card with a new Card with same Card Functionality Update Card Status This task updates the status of an existing Customer Card Update Customer Updates
14. STARCOIN EXE which invokes the STARCOIN Key Server process and also the Main Menu of the STARCOIN C amp A System as child processes The STARCOIN Key Server process createsa shared memory that can be accessed from any other process It stores the information regarding the keys used by the system in the shared memory for faster access and better performance Login Upon starting STARCOIN the following login screen appears Lx vid SYSTEM Password Za The screen contains two fields namely User Id and Password Enter the user id e g SY STEM and the password e g MANAGER A maximum of two tries Invalid User Id Password are allowed After the third STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 17 of 107 Version 2 0 0 Revision 15 04 99 1 Introduction Page 18 of 107 FINAL CONFIDENTIAL attempt the login sequence closes Authorisation amp Security After a valid User Id Password is entered the system searches for the role corresponding to the entered User Id and enables the corresponding menu items assigned to the role For example the default administrative user SYSTEM belongs to the Role ADMINISTRATOR which has all the menu items of the application assigned to it during installation NOTE 1 If the STARCOIN system configuration file STARCOIN IND is not properly set up during installation or has been later tempered with beyond recognition by the STARCOIN application th
15. a screen for entering Customer amp Card information and exporting card data Enter New Customer If the card to be issued is for a new customer in the C amp A system then the new customer data has to be entered in the system else an existing customer is selected for issuing the STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process card Note that a customer in the C amp A system can have more than one card of the same service or different service 6 2 2 1 Create a new Customer record The only mandatory field that the user has to enter here is the Bank Customer Id The issuing bank will generally provide the Bank Customer Id The bank may or may not provide the customers Bank Account number In case the issuer bank provides only the customers Bank A c No other the entering the data in the specified field it also has to be entered in the Bank Customer Id field because the customers settlement advice will always be generated on Bank Customer Id Please note that Customer name address and account number are non mandatory fields Customer name and address will generally be the Optical Personalisation data for customer cards So if these fields are not specified these data will not be optically personalised on the cards e Press New Button of Customer Block of the initial screen e It will take you to the Cus
16. amp A system Check of Bank Authorisation Card PIN Bitmap entered as hex value defining at what transactions entering the Bank Authorisation Card PIN is required for authentication of the bank clerk Order an function of the Bits is the same as for the Check of Bank authorisation card described above typical definitions resulting in 00 03 80 D2 In Hex Length 8 Please note that no validation on this value is done by the C amp A system Expiry Date of Terminal Card Generation Expiration date of the issued terminal cards It can be set independently of the customers card one This dates always linked to a key expiration date Change of expiry date indicates the start of a new generation of cards and it is recommended that the system operator should take care not to issue to many different card generations Date in DD MM Y Y Y Y format Key Version of Card Generation Actual version of all version dependent key personalised on all terminal and customer cards Starting from the version defined here four additional instances of each key are personalised on the customer cards e g Key Version is 01 then versions 02 05 are also personalised The terminal cards receive only the version defined here Using this field a key version update for all customer cards and terminal cards in the field is possible Please refer to document GD3 In Hex Length 2 RSA Checking Ratio RFU enter 00 When customers cards with
17. been imported properly e ACTIVE after proper import of Personalisation response The status remains active until either the card has expired or its statusds changed explicitly e RESTRICTED USE if the card has expired or has been explicitly updated e DEACTIVATED if the card status is updated with status reason as Alert e LOCKED if the card status is updated on Bank Request or Locked by C amp A system Currency Code Indicates the currency used in the system This field is populated from System Initialisation parameters e The following are the non enterable fields for Customer Card IEP ECH details Type Code defining the type of customers card IEP POS IEP ECH POS ECH IEP ECH POS IEH Depending on the Service Type entered while invoking the screen The value cannot be changed IEPECH No Purse or cheque serial number Automatically generated The value displayed is the integer value of the number having the hex value XX YY YY YY YY where XX is one byte Pilot Id in hex and YY YY YY YY is a 4 byte number in hex starting from 00 00 00 01 Maximum Holding Amount The maximum amount that can be loaded into the card The value is taken from sysinit gt ICC Param gt Max Holding amount for STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 96 of 107 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process I
18. can be chosen e Corresponding key information will be displayed see 2 3 1 2 Corresponding Key data STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 3 5 Delete Key Only deactivated keys can be deleted For expiry date dependent keys only keys that have expired since Deactivation date offset days defined in System initialisation can be deleted For version dependent keys keys whose version number is less than the current active version number can be deleted Please note that if a key expires all the cards that has been personalised with these keys also expires That means Load Unload and Purchase transactions are immediately blocked by the terminals with the expired terminal cards or customers cards However transfer of purchase data for purchases done before the expiry of the terminal card is technically possible from the terminals But if the transfer is done Deactivation date offset days after the expiry date of the terminal cards are blocked by the C amp A system Keys can be deleted at any time but please be aware that deletion of any key blocks the validation of any signature calculated from that key Keys can be deleted only after their expiry e g forKKGG_EXPIRY after their expiry date and a KGG_SYSTEM after it has been replaced by new version e Select Top Level Key for Key Hierarchy e Select any one
19. card number of the new card is recorded STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 101 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL 6 2 5 Update a Customer Card Status A customer card may go through different states during its life cycle Each state leads to the change of card status Figure below shows the state transitions during the life cycle of a customer card e Figure 6 1 State transition of Customer Card Status e Access Path Customer gt Update Card status During its lifetime the status of a card can change e g it may be locked for loading by the issuing bank because of overdrawn account Page 102 of 107 STARCOIN C zA User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process 6 2 5 1 Card status overview The tables below depicts the restrictions posed on different transactions for the different card status NEW card data has been started in the database mm e 2 x _ nemne E Prayer x _ e Table 6 2 Restrictions for customer card status NEW Set This status is set by the C amp A system whenever a customer card is set up in the system It is the initial status of any card All the transactions are denied and the card cannot be Red Listed ACTIVE card has been successfully personalised working mwa JAD mod ANT event x NT
20. change in functionality or some feature enhancement The application therefore provides a functionality to update Terminal Card parameters and keys in all the terminals The basic idea is as follows In the event of any requirement for updation of terminal card an update command is created and stored in the C amp A System During the uploading of transfer files into the terminals STARCOIN checks the latest update command to be sent and transfers the same to the transfer card or on line connection and then through purchase terminal the terminal card gets updated with that update information The confirmation of the update process is received back in the C amp A system through Transfer Card or on line connection during subsequent transfer process The update parameter can for example e set the transaction recording ratio of el purse transactions in the range of 0 100 e set the transaction recording limit of el purse transactions to any requested value e update the terminal card expiry date and related keys e update the used key versions of the payment keys e g used if a new customers card generation is issued Prerequisites e UCT Update Control Table file and its Text description corresponding to UCT Version entered must be present in the directory STARCOIN EXEC UCT e Please note Due to the complexity and functional relations inside the terminal cards these files define the updated parameters and or keys and
21. existing Customer Information STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 91 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL 6 1 2 6 2 6 2 1 6 2 2 Page 92 of 107 Prerequisites e For Issue of Customer Card e For new Customer as well as Card entry record s should exist for Bank mandatory BankPool mandatory e For Issue of new Card s to an existing Customer records should exist for Customer mandatory e For Replacement of Customer Cards records should exist for Customer Customer Card e For Updating of Customer Card Status records should exist for Customer Customer Card e For Updating of Customer information records should exist for Customer Issue Customer Card e Access Path Customer Issue Cards Access customer and card set up screens Issue of customer card is done bank wise for aservice Thus the user has to select the bank card issuer bank to which the customer belongs and the card service card type required e Customer Issue Cards e Bank Id Either enter a valid Bank Id or select a valid Bank Id from the List of Values e Service Type IEPPOS Electronic Purse ECHPOS Electronic Cheque IEPECHPOS Electronic Purse and Cheque multipurse functionality Select from a given list of Customer Card Services e Either e Press Cancel to return to the main menu e Or e Press OK to invoke
22. has been made then the system will ask for a confirmation from the user before clearing the form e Press Reset button to revert to the database value of all the field of the group after changes have been made and before the new values are stored in the database e Press Ok button to save valid records in the database On pressing OK the system validates whether all the mandatory data elements has been entered e Press Close button to close the form If any change has been made which has not been saved then the system will ask for a confirmation from the user before closing the form 2 4 2 Customer Card Parameters ICC Param This group of initialisation data are required for initialisation and Personalisation of customer cards Some of these data elements are also required for validation and security management of on line transaction and off line clearing process e After customer cards are initialised or personalised some of these data elements must not be modified see explanation of each one of them Modification will cause malfunction of the system e For security purposes personalised customers cards can NOT be updated anymore If data elements are changed you must be aware that these cards STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 33 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL Page 34 of 107 still contain the original values Most of the
23. list of tables on which transactions Insert Update Delete are made Select Operation Mode as All Insert Update Delete Select Report Flag as Non Printed Already Printed All Select Module Name from the list of modules having entries in System Log If you want to Purge the selected System Log records choose Yes else No from the corresponding list e Press the Run Report button e Press the Cancel button The parameter form will be closed Purge System Log e Access Path System Administration Purge System Log This process will delete all system log records which are marked for Purging from the database within the specified period e Enter Period From amp Period To Date in DD MM Y Y Y Y format for which system log records are to be purged e Press the Purge button e Press the Close button Form Purge System Log will be closed STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 12 2 12 1 Export of Keys Keys must be exported from the C amp A System database to be available for external participants of the STARCOIN system e g G amp D must receive the keys for customer terminal and transfer card initialisation Keys are either exported in component form on chip cards or in encrypted form on chipcards or disks The chipcards can only be accessed by entering the correct PIN Export
24. of the following Key Name KGG_CARDS KGG_SYSTEM KGG_EXPIRY e The corresponding data are displayed e Select from a list Version For KGG_CARDS and KGG_SYSTEM Expiry Date For KGG_EXPIRY e Press Delete to delete an existing Top Level Key Important notes e Keys which are active can not be deleted e The deleted top level key and all related high level keys are then blocked at once for further usage by the C amp A system e A deleted key cannot be reactivated anymore STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 29 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 3 6 Page 30 of 107 The keys remain in the database until they are archived and the database is purged System gt Administration gt Archive Purge Database Reinstall Key This option is used to reinstall keys from key cards The Top Level Keys that are stored in the key cards can be reinstalled from the cards This process must be executed every time the LMK has been changed Otherwise this may only happen in the worst case scenario if the database has been corrupted and no backup of the key database is available With the Reinstall Key option it is possible to e Reinstall the LMK e Reinstall the Top Level Keys e Reinstall the High Level Keys The LMK has to be reinstalled whenever the e HSM board has been replaced for any reason e The HSM batteries have been exchange
25. on the terminal cards In the STARCOIN terminal card versi n 1 6 there are 13 IEP pools and one for ECH payments checking the payment amounts are cumulated but not settled The version 2 2 terminal card contains 19 IEP pools and one for the ECH Depending on the number of participating pool holding banks only some or all of them are used Up to the maximum number of pools a new pool holding bank can be added at any time which means that all pools are available on a terminal card right at the begin of its life cycle but will be used later in its life time e Important note As long as version 1 6 terminal cards are used within the system not m re than 13 pools must be used because customers cards linked to a higher pool number will not be accepted at terminals with version 1 6 terminal cards e From terminal card version 2 2 on 19 pools can be used Insert a new Pool This process allows for entry of a new IEP pool in the C amp A system One ECH Pool with pool id 32769 hex 80 01 is automatically installed in the system during the system initialisation process sysinit This pool is maintained for statistical purpose This pool does not have any pool account number hence there is no pool bank for this pool No STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 2 3 bank can be attached to this pool The maximum number of pools that can b
26. ss rende E E O ini Ai Ad eran dra 56 2 12 EXPORT OF KEYS iscsi cs sisi id es dida 57 212 1 Exported KEY GF OUPS sec A a Gan 57 2 12 2 Export 1G Personalisation Rey voz caves sss tess ctusg can cesguck sans ceeds tee re aaret ind 59 2 12 3 TK Personalisation transport Keysers i enaA RR EEr EREE EEEE A couiesosedsinavesteveastbeabesdines 59 2 12 4 Transfer Card Personalisation transport Keya csitri a RREA N E ESAE E AEA ERT R A EET 60 2 12 5 Settlement Data Securing Keys transport key sccscccessseessecssecesscecensecesseeessecencecsaecseceecsscecseneeesaeceeeecsataDbeeecsaeeeeseeeeaeensaes 60 2 12 6 Personalisation Data Securing Keys transport Kkey rrronnnnnnrnonnvnnnnnnennnnnnnrnvennnnenrnennnneerrvenneneenrererudililiknenerralueennnnenrnnsenene 6l 2 12 7 Card Register Create Keys transport key reennensnnrreversnnrrnenernnernnnnvennenrervenssssrsrresssrserer R hes Ele 62 2 12 8 TK Personalisation KeyS ooooommmmmmsmmsssm9menssmmasmisss MM coccion 62 2 12 9 Transfer Card Personalisation key meriendea ennei e n a a Ml Ml coccion iia 63 2 12 10 Settlement Data Securing Keys ooooonionconeconannonnnconarononancnonononcn cnn n non no cana nnon a loco T WE E ES 64 2 12 11 Personalisation Data Securing Keys serersnnvrnenvrnnrnrenevennenenenersssrrvenersserrereeerr O Mss ccssseneecssssscnecesssscscnsesssesonseeesees 64 2 12 12 Card Register Create KeYS caricia nadia ire gt caida 65 3 REDLIST MANAGEMENT eesesevvesenvernnveevvse
27. static RSA authentication will be available here it can Volume I of 11 26 04 99 Page 45 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL Page 46 of 107 be defined how often the terminal card checks the RSA signature In Hex Length 2 Show Balance Indicator Indicates if a terminal shows the actual balance of an IEP ECH during the transaction 00 Never show the cards balances 01 Show right when card is inserted into the terminal 02 Show when transaction has been executed 03 Show on insertion and transaction execution Number ranging from 0 to 999 Transaction Recording Limit Purchase amount above which a single transaction of andEP purchase is recorded in the merchant terminal additionally to the cumulating of the pool sum For all pilot installations it is recommended to enter 0 record all transactions Please note As the number of transactions for larger implementations increases gt 100 000 cards this value can be reduced but then the STARCOIN accounting feature is not more available for el purse transactions and can never be reactivated again Number ranging from 0 to 4294967295 Transaction Recording Ratio Ratio of recording a single transaction of an IEP purchase in the merchant terminal additionally to the cumulating of the pool sum For all pilot installations it is recommended to enter 255 record all transactions Please note As
28. these data determine the behaviour of the system components over the life cycle of the system The running system requires regular administration Certain administration facilities such as setting up of new roles with different privileges and users with these roles changing passwords for these users archival and purging transaction tables This section describes the maintenance of e Set up information of initial STARCOIN data The b sic work data of the STARCOIN database must be set up before starting the payment system Some of them have already be preconfigured by G amp D while other system specific data elements can be set individually by the C amp A system operator Set up involves three important process namely Set up of system keys and set up of System initialisation data e Administration The provided menu helps to install and organise the different users of the C amp A system and controls their access rights and passwords Additionally the archival of old and already settled transactions is managed from here e Export of Keys For various reasons there must be keys exported from the database to other STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 19 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration 2 2 2 2 1 Page 20 of 107 FINAL CONFIDENTIAL participants of the STARCOIN payment system E g G amp D receives the keys for proper card initialisation secure method of
29. to come back to the Main screen from where it has been called STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 65 of 107 Version 2 0 0 Revision 15 04 99 3 Redlist Management FINAL CONFIDENTIAL 3 3 1 3 1 1 3 2 Page 66 of 107 Redlist Management STARCOIN provides a redlist to restrict the use of customer cards in the payment system Any card requesting load or unload transaction is checked on these lists and if found the request is rejected the C amp A system sends a respective error code A redlist can be transferred to the purchase terminals and is used there to check all cards arriving for purchase transaction Always a complete list is transferred currently max 4096 cards Menu hierarchy e Redlist Management e Generate Redlist Data e Purge Redlist Data Prerequisites For Purge Redlist Data The defaultarchive file must exist inthe correct directory as defined in STARCOIN ini Generate Redlist Data e Access path System RedList Management Generate Redlist Data All Customer Cards with Status Active or New are checked to verify whether the Cards are stolen counterfeit lost In this case status of card is updated as Redlisted and a number is generated to identify Redlisted cards e If new redlist data is not generated updating is not required in for the terminals For this reason an information is displayed STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0
30. value of Cardholder Id in System Initialisation Screen is set to Bank Account Number then Cardholder Id Number will be automatically generated using the Customer s Bank A c No and certain other parameters c Jf the value of Cardholder Id in System Initialisation Screen is set to Manual Data Entry then the field Cardholder Id Number will require manual entry from the user d If the value of Cardholder Id in System Initialisation Screen is set to Bank Specific Customer Id then Cardholder Id Number will be automatically generated using the Customer s Bank Specific Id and certain other parameters Service Type The service provided by the card The values may be IEPPOS el purse Debit POS ECHPOS el cheque Debit POS IEPECHPOS el purse el cheque Debit POS Volume I of 11 26 04 99 Page 95 of 107 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL Card Issue Date The date on which the card has been set up in the C amp A system Card Effective Date The date on which the card has been exported for Personalisation Transaction Number Indicates the number of transactions load unload purchase done by the card The value is initialised to O during card set up time Card status Indicates the current status of the card The status may be e NEW if the card has been set up in the system but the Personalisation response has not yet
31. values can be see in the customers cards related screens which related data are not changed automatically because they represent the state of the card The following fields must be entered e Currency Code The currency code is defined in ISO 4217 for all currencies world wide Beside it is up to the system provider to choose an appropriate one if the system may be used with a private currency The leftmost digit of the currency code defines the minor unit currency exponent the fractional part of a currency E g US Dollar 2xxx 2 Minor unit Cents and xxx Currency code Number ranging from 0001 to 9999 Do not change at any time after installation Max Holding Amount for IEP Defines the maximum balance which can be loaded on an el purse Number ranging from 1 to 4294967295 Max Holding Amount for ECH Defines the maximum balance which can be loaded on an el cheque Number ranging from 1 to 4294967295 Deactivation Date Offset After the deactivation of a customers card there may be still transactions in the field which have not been eleared yet due to the reason that there is a certain delay for the transfer of transaction data from the merchant terminals to the C amp A system The maximum time these data will be accepted is defined here typical value 60 days After this period of time the incoming purchase transaction is rejected Please note that load transactions are not possible anymore from the date
32. when they are on their way to G amp D Way of export 3 different Key Cards PIN Mailers if required Recipient G amp D to decrypt the terminal card personalisation keys which are initialised then on the terminal cards To export the key e System gt Export Keys Transport Key Encryption Key TK Personalisation Keys e HSM Board Status displayed e Press Ok to export transport key The key components will be saved in key cards please follow the instructions on the screen asking you to enter sequentially key STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 59 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration 2 12 4 2 12 5 Page 60 of 107 FINAL CONFIDENTIAL cards and PINs After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called Transfer Card Personalisation transport Key This key is a transport key encrypting the transfer cards Personalisation key when on its way to G amp D Way of export 3 different Key Cards PIN Mailers if required Recipient G amp D to decrypt the transfer card personalisation key which is initialised then on the transfer cards To export the key e System Export Keys Transport Key Encryption Key Transfer card Personalisation keys e HSM Board Status displayed e Press Ok to export transport key The key components will be saved in key c
33. 0 Revision 15 04 99 FINAL CONFIDENTIAL 3 Redlist Management 3 3 Purge Redlist Data e Access path System RedList Management Purge Redlist Data This process displays all redlist and reset records retrieved from database which are update depth below the maximum redlist number Update depth is a number either given as default or can be modified by the User The displayed data can be archived optional and purged Check Archive to bring the default archive file and to make the system ready to archive while purging e Uncheck Archive if it is already checked to remove default archive file and to mention that archive not necessary e Press Query button to clear the Form and make it ready for executing query corresponding to new Update depth which should be entered now by the user e Press Purge button to purge records appeared in the screen Records will be archived while purging if the check box Archive is checked e Press Close button to return to main menu At any point of time you can press the Close button STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 67 of 107 Version 2 0 0 Revision 15 04 99 4 Terminal Card Update FINAL CONFIDENTIAL 4 4 1 4 2 Page 68 of 107 Terminal Card Update Introduction For a STARCOIN payment system there may be requirement of updation of terminal card s which are already issued and in operational because of either
34. 1 to 9999999999 Maximum Charge Amount debited for a transaction above or equal to Maximum Limit Number ranging from 1 to 9999999999 Volume I of 11 26 04 99 Page 43 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL e Service Rate Any transaction amount above Minimum limit but below Maximum limit will be charged with the defined rate Number ranging from 0 01 to 100 Please note e For IEP Purchase Minimum Limit Minimum Charge and Maximum Limit fields are not allowed 2 4 6 Terminal Card Parameters TK Param These set of data determine how the terminal card behaves in the STARCOIN payment system These data are very vital for the proper functioning of the system and should not be changed while the system is running The following fields must be entered e Check of Bank Authorisation Card BAC Bitmap entered as hex value defining at what transactions the presentation of the Bank Authorisation Card is required for authentication of the bank clerk Page 44 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration STARCOIN C amp A User Manual Change PIN of customers card bit 19 32 RFU e Table 2 3 Check of Bank Authorisation card typical definitions resulting in 00 03 80 D2 In Hex Length 8 Please note that no validation on this value is done by the C
35. Designation e Role Id e Press Save button to save the new updated record in the database e For Delete make the Deleted check box marked Save button is enabled now e Press Save button to save the changes made 2 7 Change Password Entry Administration e Access Path System Administration Change Password Allows to change the password of a defined user e After entering data in e Old Password Characters with maximum length 10 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 53 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 8 Page 54 of 107 e New Password Characters with maximum length 10 e Confirm Password Characters with maximum length 10 Must be same as New Password e Press Save button to save the change in password Note Once a user is created and a password is assigned by the system administrator the password can only be modified by the user not by system administrator using Change Password option after logging into the application using given user id The System Administrator cannot modify change other s password Archive Transaction Administration e Access Path System Administration gt Archive All transactions ever transferred to the C amp A system load unload transfer data from payments are stored in the database and should be archived periodically e g once a month
36. EP ECH This value is personalised in the card Loading beyond this amount is blocked by the terminal itself Expiry Date The expiry date of the el purse and or el cheque This value is taken from System Init gt ICC Param gt IEP ECH Expiry date Deactivation Date It is the IEP ECH Expiry date plus Deactivation date offset mentioned in sysinit gt ICC Param gt deactivation date offset Purchases made by the customer card before the expiry of the card will not be settled 1f the purchases are transferred to the C amp A system after the Deactivation date Currency Code Currency for the purse Current implementation allows purse of single currency This value is taken from sysinit gt ICC param gt Currency Code Phase Number Phase number of IEP Purse Provider Purse provider for the system In the current system this value is pilot id appended to currency code Please enter the following fields e On Line Debit POS Authorisation Information ATM Related Please note that these fields are by default populated from the related issuing bank parameters For detailed information please refer to the description of the POS Related fields e On Line Debit POS Authorisation Information POS Related Please note that these fields are by default populated from system initialisation parameters STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 e Off line Floor Limit of ICC Maximum amount whi
37. ETT GSE 12 RECON andreassen bennseted sl E AAA 12 18 2 Date ECM cee eee I OE Gi 12 1 83 Menu Hierarchyss us sarinsruessra rederier P 13 1 9 STARTING STARCOIN A ie 17 2 SYSTEM SETUP AND ADMINISTRATION eesosvesvevssvevssvessevssvesssssevssveseeserv NO Agecvveveavenvsvensaseavensevennssvevsevensevssvensesee 19 2 1 INTRODUCTION II O an 19 2 2 MENU HIERARCHY se smeden ken se SE SA AES 20 2 2 1 Prerequistes oi Ma Ns Nervei beast 20 2 3 JKEY MANAGEMENT 2 nn ester Gene 21 2 3 1IMrOducton AAA ker Pe Revs RSA eee 22 2 3 2 Install New KO a Muus Talsnes eek 24 2 33 Add New Key Tnst nce unene adi 27 23 4 View LAR RS A RN 28 25 0 Delete EAEE EE C A A didas 29 DIO Reinstall K pa A E SPS SS ee Er 30 2 3 7 Upd te Topical Version MM ROA A kresen ste 31 DICHA LE LMK vvs Gs i 32 23 0 Tssue Key Cards RS E Ga Ha aaah UN Aad E A 32 2 4 SYSTEM INIT PARAMETER MAINTENANCE SET UP ccceccccsesscecssseececsnscensaececseaeeceneeecnssuececs canaeeesseseecesseeecseaaeeesenseseeessaeeesgas 32 24 ALT LEA A lane edel 32 2 4 2 Customer Card Parameters ICC Param rrrrrnnnonnnrnrnnnnnnannnnnnnrnvnrrnennnnrnrsrnnnannnnrnrnsvrssnsnannrnnnrnenenannrnnnenssnnsnanennrnnnsnsssnnenes 33 2 4 3 Customer Card ISO Parameters ISO Param rrrnnnnrnrnrnnnonnnnrnrnrnnrennrnrnrnsrnnnnrnrnrrrsrenannnenrnrnssrssnannrenssrenanennnnennsnssssnnnnnene 35 DAS AL O A eee 38 24M Charge Parameters iii NAs E EEEE E EAE di ens celia ls 40 2 4 6 Terminal Card Par
38. Either Enter valid data for Menu Item Description e Or Select valid data for Menu Item Description from List of Values by pressing the Search button e Press Save button to save the new record 2 5 2 Update a Role Item record Add or delete a particular menu item related to a role for a class of users e To retrieve the Role Item record Press the Query button e Fetch the data for a particular Role Id or press the Cancel button to cancel the query e Either e Enter data in either Role Id or Role Name field searchable fields are in Yellow legend Wildcarding may be used in both of the fields to fetch an existing record e Press Execute button to retrieve the corresponding Menu Items attached to that particular Role Id e OR Press Search button to get a list of Roles which is shown in List of Values form On selection of desired Role Id press OK button in List of Values form This will fetch the Role Information and the corresponding Menu Items attached e To fetch the data for all Role Ids and their corresponding Menu Items press Execute button Update a Role Item record e Attaching new Menu Items e It is possible to attach new Menu Items to a particular existing Role by entering valid Menu Items or selecting valid Menu Items from List of Values by pressing the Search button e Press Save button to save the modifications e Deleting existing Menu
39. Insert A New Bank The bank entered can be an issuer acceptor merchant or settlement bank or a combination of these If the banks also acts as an issuer bank then Cash A c number has to be entered because this accountis required for settlement of load unload to cash Service A c number is mandatory if the Service code entered is anything other then None Any of the banks entered here can be attached to one pool e Enter valid values in the following fields e Bank Name Characters with maximum length 30 e Bank BIN Bank Identification number according to national international standards Please note that this field has to be entered correctly conforming to national international standards as the C amp A system does not validate this value Number ranging from 1 to 999999999999999 e Street where the bank is located Characters with maximum length 30 e City where the bank is located Characters with maximum length 30 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 ZIP Code of the city where the bank is located Characters with maximum length 30 Country where the bank is located Characters with maximum length 30 Telephone Characters with maximum length 30 Fax Characters with maximum length 30 Contact Person Characters with maximum length
40. Items Page 50 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 6 e Place the cursor on a particular Menu Item Immediately the Delete button of the Menu Item block is enabled e Press Delete button The corresponding record will be removed from the display table e Press Save button to delete the record Delete a Role The function allows to delete a complete role of a class of users e Press the Query button e Retrieve the Role Item record fetch the data for a particular Role Id or Press the Cancel button to cancel the query Either e Enter data in either Role Id or Role Name field searchable fields are in Yellow legend Wildcarding may be used in both of the fields to fetch an existing record e Press Execute button to retrievethe corresponding Menu Items attached to that particular Role Press Search button to get a list of Roles which is shown in List of Values form On sele tion of desired Role press OK button in List of Values form This will fetch the Role Information and the corresponding Menu Items attached To fetch the data for all Role Id s and their corresponding Menu Items press Execute button Delete Role Item record gt Check the Deleted check box in Role block e Ifa User is assigned to the Role record cannot be del
41. RER MAINTENANCE niinen eei e UM o esos EE RR RIN RIN RRE REN BONN RR E E EEEE E E ET RE Eais 88 5 7 1 Insert a new Terminal Manufacturer sstsseornonderonvvrnvvrnvrrvrnnnrennnnvnnrnrannrnnnenvnnnsnrvenaveraserasnaserasvrasvransvenneesveesnavsnasevaseraseree 88 3 7 2 Deleting A Manufacturer vr ARA OA 89 5 7 3 Update an Existing Mangga CWQgggPRec On csecccssscvecceensecnsncsesscvonsesssacenscceessecnacee sasssonsecessesensessnsessaceeesesenseesesesonsesenses 89 6 CUSTOMER AND CUSTOMER CARD HANDLING PROCESS i eseseveesveesveneenneensessenennvsnnssnnsnnsennssnnennnennsesnsenseensesnsesnneee 91 6 1 INTRODUCTION css A A 91 OLT Purpose v MM A Bea ca esta oat weak EE ns A A E E hee 91 6 12 Prerequista Gar Ps ee 92 IAEA NG VED NA 92 6 2 1 Access customer and card set up Screens sonnronnnnnvnvnnnrnvennvnnnrnrnnenenrrrennenenreennneeenrrenenenenraesnnenevreenneeserseennnnesvrassnnenerseenneesen 92 6 22 NEW CUSTOMET sriseiseidea sier ts esnssedn E A E 92 6 2 3 Iu Card to an Existing CuStomer senerrnnvrvonvennrrnvnevennenrrennvsnnrnnennennesernnvennessnsnnesnnensennvenssssnnvennesssneneennessnnnesnnessunnesnnene 94 0 24 REMMGCE Customer Card isrener E ea e A A GTA need ATi dd 99 6 2 3 Update a Customer Card Slats er E EOE A SKUR GG GAEL Alene 102 6 2 6 Update Customeruuassassas kalas enes ae ee 106 6 2 7 Delete Customer INfOrmationnrecescccccsdiascossvevecinssieuseiinasvsesvinansnseosascvaavectsst vsavd va vies vsnbevenelnae obntasdsnigusudcoea
42. STARCOIN C amp A User Manual Volume I of II Edition 26 04 1999 Author G amp D Status FINAL CONFIDENTIAL Version 2 0 0 Revision 15 04 99 Giesecke amp Devrient GmbH Prinzregentenstr 159 Postfach 80 07 29 81607 Miinchen Copyright 1999 All rights reserved Giesecke amp Devrient GmbH Prinzregentenstr 159 Postfach 80 07 29 81607 Miinchen Germany The information or material contained in this document is property of G amp D GAO and any recipient of this document shall not disclose or divulge directly or indirectly this document or the information or material contained herein without the prior written consent of G amp D GAO All copyrights trademarks patents and other rights in connection herewith are expressly reserved to the Giesecke amp Devrient group of companies and no license is created hereby All brand or product names mentioned are trademarks or registered trademarks of their respective holders Content Table of content 1 INTRODUCTION visicccsdecicccscecccesdecssscsecsetssstesccssscessdsencsecssetdetdetccsssccsstasdesaassevetcsdoedautscssscutsacsddessessteseccecs atecsassssecsscsecssssssvesacetenss 6 LIRA ada 6 12 SCOPE oa td tt A ETE rc 6 1 3 ACRONYMS AND ABBREVIATIONS ua A A as 7 1 4 RELATED PUBEIGATIONS eee eee 9 1 5 ORGANISATION OF THIS DOCUMENT i 2 52 sevcesnedsiecee eSsenes vend ddaed sey saree tsgeaesdeuadei cvs Sri ere 10 1 6 GENERAL DESCRIPTION aa 11 WA ee JG EE 12 LES MENO BAR visste
43. ameters TK Param rerrrnrrnnnonrnrnrrnrnnnnnnnnnnnrnvnrsnennnnrensrrsrenennrvrnvrnssnenannnnnserersnannrnnnensnensnanannnnnnsnssnsnnner 44 ESO NA A O Ar be hetse eee 47 248 RES PATQINS a a N aA 48 2 5 ROLE ITEM MASTER ADMINISTRATION cessscesessececseceeceeececsensececeeeecesaeeecsenaeceseseseeeeseeeesesseeeceeaeeeecesaeeecnesaeeeceseeeeeaeeeeneges 49 23 1 Inserta Role liemtecO dlrs dictada dn daktaikstnittdlareateniankenslab akse at 49 2 3 2 Update a Role hem recordsiin ii bed gues ln aiii dedicate 50 2555 Delete aRANE ee 51 2 6 NEW USER ENTRY ADMINISTRATION cc cccesssseceessececssseecessueeecsensecesnseecsesueeecs cesaececseasecssnesecsessececseaaecssaeeecsesueeeseaeeeesseeeesenes 51 2 6 1 Insert New user r cordisssshbvsdnndtebkessmepensanigarssniengnnskanbredkesevn area a rdseskaniadddeastel 52 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 3 of 107 Version 2 0 0 Revision 15 04 99 Content Z202 Retrieve the User CO did E 52 20 3 Updates Delete US EE TEC aka ks aa NAG 53 2 7 CHANGE PASSWORD ENTRY ADMINISTRATION s ssssesseeesssceceeeececcsnececeesececesaececseseeeeesaaeeecsesaececeeseeessaeeecsenaeeessseseeenseeecnaas 53 2 8 ARCHIVE TRANSACTION ADMINISTRATION oororonvnnvnrrsnvverrnnnrrrrennnnnrrrrnnverennnersennnnrrssrnenersnnrnrssennrsrssnnesrsnnnsesssennrsrssnnrssnnrnssssnnnne 54 2 9 PURGE TRANSACTION ADMINISTRATION 0 endete 55 2 10 VIEW PRINT SYSTEM LO A AS A A ed eas 55 2 JE PURGE SYSTEM LOG
44. amp A system the participating banks can be broadly be classified into four categories namely e Acceptor bank Every bank accepting STARCOIN cards for load unload process An acceptor bank does not need to be an issuer bank itself but can be e Issuer bank Every bank issuing cards to their customers e Merchant bank Bank of a merchant who accepts STARCOIN IEP ECH POS cards for payments This bank only needs to participate in the clearing process but needn t have to be card issuer itself STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 75 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 5 3 1 Page 76 of 107 e Settlement bank For the reason that the C amp A system provider needn t have to be a bank a settlement bank managing the payments between the different participating banks is foreseen in every C amp A system e Please note All described roles of a bank can be taken by only one or different banks in various combinations The bank maintenance allows to insert all relevant bank data Please be sure to enter proper values for bank identification number and all required accounts as these data are transferred to the settlement bank for inter bank payment exchange e Please note If STARCOIN is operated as a closed payment system the system provider may operate as a bank and no relation to any real bank is necessary because all accounting is done inside STARCOIN
45. and KGG_EXPIRY After the top level keys are installed one instance of all the related high level keys are automatically installed To add new instances of top leveland high level keys use the option Add new key instance The option Install new key gt Top level key is possible only if no instances of the corresponding top level and high level keys exists in the C amp A database The following key management functionalities are supported e Install a LMK This is the first process before installation of any key This process involves three sub functionalities namely e Installation of new LMK at system installation e Restoring a LMK from Key cards Transfer an existing LMK to a new HSM e Changing a LMK of a running system Can periodically been done if very high security is required e Install a Top Level Key KGG automated process at system installation for the first instance of each of these keys STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration e New Add KGG_CARDS e New Add KGG_SYSTEM e New Add KGG EXPIRY Install a High Level Key KM_GEN KM automated process every time the related high level key receives a new instance e New High Level Key New Key_Name what must be checked Automated process e Add High Level Key Add new version exp date instance of existing key Automated process As defined the fir
46. ards please follow the instructions on the screen asking you to enter sequentially key cards and PINs After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called Settlement Data Securing Keys transport key This key is a transport key encrypting the settlement data securing keys when on their way to the settlement bank Way of export 3 different Key Cards PIN Mailers if required Recipient Settlement bank used to decrypt the keys securing the data transfer from the C amp A System STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration To export the key e System Export Keys Transport Key Encryption Key Settlement Data Securing Keys e HSM Board Status displayed e Press Ok to export transport key The key components will be saved in key cards please follow the instructions on the screen asking you to enter sequentially key cards and PINs After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called 2 12 6 Personalisation Data Securing Keys transport key This key is a transport key encrypting the Personalisation data securing keys when on their way to the Personalisation instance issuingbank or at the C amp A System provider Way of export 3 different Key Car
47. are generated upon request by G amp D only e Terminal information should be present if update card command is generated for specified a group or all terminals see below STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 4 Terminal Card Update 4 3 Navigation functions Clear the screen Press Clear button If any change has been made then an Alert message will pop up asking for confirmation Press Yes button to clear the form If no change has been made then on pressing the Clear button the form will be cleared Close the screen Press Close button If any change has been made then an Alert message will pop up confirming the Exit Press Yes button to close the form and exit If no change has been made then on pressing the Close button the form will be closed without showing any alert 4 4 Insert a new Update Command This process allows the entry of a new update command for terminal card s This command will be created for all terminals or for a specific family of terminals depending on the following user choices where case a and b are the recommended ones a b c d STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Only valid Operator Id is entered The update command will be prepared for all terminals falling under this Operator Id That way terminal cards of a specific mercha
48. ated ISO parameter tables and from there are used for the card specific ones This way either system wide bank wise or even card individual parameterisation can be used POS Related Fields The following fields must be entered to parameterise the Debit POS function e Floor Limit of TK ISO 401 TK Maximum amount that the merchant terminal allows in case of a Debit POS transaction valid for on line and off line transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 e Max imum Total Terminal off line Amount ISO 406 Term Maximum total amount that the merchant terminal allows in case of off line Debit POS transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 e Floor Limit of ICC 1SO 401 Maximunx amount which can be spent through Customer Card for a single Debit POS transaction valid for on line and off line transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 e Credit Cycle Limit ISO 408 Maximum cumulated amount which can be spent in off line Debit POS transactions within the defined period weekly or daily Please note that this limit is decremented by the respective amount with every off line and on line Debit POS transaction but only taken into consideration for off line authorisations If the limit is to low for an off line payment the on line payment is still possible This value is also decr
49. aximum number of days where off line Debit POS purchases are valid After that period of time an on line authorisation must be executed With each on line transaction this parameter is reset back to 0 and the full number of days off line can be used again Number ranging from 0 to 65535 Max imum Total Terminal off line Amount Maximum total amount that the merchant terminal allows in case of off line Debit POS transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 Credit Cycle Limit Maximum cumulated amount which can be spent in off line Debit POS transactions within the defined period weekly or daily Please note that this limit is decremented by the respective amount with every off line and on line Debit POS transaction but only taken into consideration for off line authorisations If the limit is to low for an off line payment the on line payment is still possible This value is also decremented on funds raising for any purse or cheque load transactions thus the higher load limits of el cheques must be considered Value in minor units of defined currency Number ranging from 0 to Volume I of 11 26 04 99 Page 79 of 107 5 Master Maintenance FINAL CONFIDENTIAL 5 3 2 5 3 3 Page 80 of 107 4294967295 e Credit Cycle Length Please choose between Daily the default one or Weekly from the list box provided The weekly credit cycle length lasts for Monday to Mo
50. cess For ECH Pool Pool Payment No is incremented for every transaction Since IEP pools purchases are settled pool wise Pool Payment No is incremented for every pool clearing Thus Pool Payment No for ECH pools reflects the actual number of ECH purchases done however for IEP pools this value reflects the number of times pool clearing has been done Pool Payment Tm also reflects the total amount to be paid to all the merchants by the Pool holding bank Pool Tm is updated during the Off line Clearing and Settlement process where Pool Tw Load Tm Unload Tw Payment Tm This amount shows the total Pool balance after settlement and is equal to the sum of the card balance for all the cards belonging to the pool This value may be negative or less than Load Tm Unload Tm Payment Tm under the following circumstances 1 Load transactions could not be settled for some technical reasons but unload payment transactions has been cleared 2 Unload payment transactions have been cleared but load transactions are yet to be cleared 3 Cards have been loaded but due to some technical reasons the load confirmation validation failed later unload purchase has been settled Bank Maintenance e Access Path Masters gt Bank The banks involved in the different processes of the C amp A system are called participating banks depending upon the role of the bank in the C
51. ch can be spent through Customer Card for a single Debit POS transaction valid for on line and off line transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 Max imum No of off line Authorisation Maximum number of off line authorisations allowed for Debit POS transactions If the defined number of off line authorisations is reached the cardholder must do Volume I of 11 26 04 99 Page 97 of 107 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL an on line Debit POS transaction The off line Debit POS payment function will be blocked until then but is resetted to the full value on the next on line transaction Number ranging from 0 to 999 e Max imum Days off line Maximum number of days where off line Debit POS purchases are valid After that period of time an on line authorisation must be executed With each on line transaction this parameter is reset back to 0 and the full number of days off line can be used again Number ranging from 0 to 65535 e Max imum Total Terminal off line Amount Maximum total amount that the merchant terminal allows incase of off line Debit POS transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 e Credit Cycle Limit Maximum cumulated amount which can be spent in off line Debit POS transactions within the defined period weekly or daily Please note that this limit is decremented by the respect
52. d e A LMK change has not been Successful The LMK is read from the LMK key cards validated and the installed in the HSM A reinstallation of all Top Level and High Level Keys is necessary when the key database has been corrupted by any reason or the LMK was changed and the key must be reencrypted with the new LMK The top level keys are installed from the corresponding key cards and the high level keys are automatically installed by stepping through the complete key database which e g has been restored from a C amp A system backup searches for a KM_GEN KM and if found re derives the key from the related top level key KGG_ To Reinstall LMK or Top Level Keys 1 Select any one of the following Key Hierarchy e LMK e Top Level Key 2 If Key Hierarchy entered is LMK e Press Ok the HSM state is displayed STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Press Ok to reinstall an existing LMK Key or press Cancel to return to the previous screen 3 If Key Hierarchy entered is Top Level Key Select any one of the following Key Name KGG_CARDS KGG_SYSTEM KGG_EXPIRY The corresponding data are displayed The default value for Version For KGG_CARDS and KGG SYSTEM is shown which is non updateable For KGG_EXPIRY Key enter Expiry Date Date in DD MM YYYY format Pres
53. d and Pool Name will be displayed on the screen e Press Execute button to retrieve the record from the database At this stage Up Down Query Clear Save amp Close buttons are enabled e Use Up and Down arrow keys to navigate between Pool records Pool Load Tm shows the cumulated load amount for all the customer cards belonging to the pool Pool Load No shows the total number of successful load transactions for that pool resulting in Pool Load Tm Pool Unload Tm shows the cumulated unload amount for all the customer cards belonging4o the pool Pool Unload No shows the total number of successful unload transactions for that pool resulting in Pool unload Tm These values are updated immediately after the cards are loaded unloaded and the C amp A system receives a valid confirmation This value will not be updated if a transaction is aborted half way or some signature validation for confirmation fails Pool Payment Tm shows the cumulated purchase amount for all the customer cards belonging to the pool Pool Payment No shows the total number of successful purchase transactions for that pool resulting in Pool Purchase Tm STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 3 Pool Payment Tm is updated during the Off line Clearing and Settlement pro
54. d only mode e Cursor is on the Close button of the Pool Master Entry screen displaying detailed information of Pool to which the bank is attached e Press Close button to close the form STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 3 4 5 3 5 5 3 6 5 4 Issue Bank Authorisation Card BAC Start generation of Bank Authorisation Card personalisation data e Press Issue BAC button to open Issue Bank Clerk Card screen which displays Bank Authorisation Card Details e For further details please refer to chapter 5 4 Bank Authorisation Card BAC Information Maintenance Update Bank Authorisation Card BAC Update Bank Authorisation Card status e Press Update BAC button to open Update Bank Clerk Card screen which displays Bank Authorisation Card Details e For further details please refer to chapter 5 4 Bank Authorisation Card BAC Information Maintenance Replace Bank Authorisation Card BAC Replace an expired returned invalid BAC by a new one e Press Replace BAC button to open Replace Bank Clerk Card screen which displays Bank Authorisation Card Details e For further details please refer to chapter 5 4 Bank Authorisation Card BAC Information Maintenance Bank Authorisation Card BAC Information Maintenance e Access Path Masters Bank This functionality allows to do t
55. dated e Don t change the field Credit Cycle Limit e Press Close button Control comes back to the parent form e Press Ok button Control stays in the window 5 4 9 Exporting Bank Authorisation Card Details e Press Export button Call the form Export Personalisation Data to export BAC details 5 4 10 Updating Bank Authorisation Card e Press Update button e Window pops upwith header Update Card Status You can change Status Reason and List Status of this window e Press Cancel button Control comes back to the parent form with no change in card status e Press OK button Dialog box pops up with warning message e Press No button of this dialog box Control stays in the window e Press Yes button of this dialog box Card status is changed according to the user s choice and control comes back to the parent form 5 4 11 Replacing Bank Authorisation Card e Press Replace button Page 84 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 4 12 5 4 13 5 5 e Dialog box pops up with warning message asking for whether you want to replace the card or not e Press No button Card is not replaced and control comes back to the parent form e Press Yes button Card is replaced by a new card and control comes back to the parent for
56. ds PIN Mailers if required Recipient Personalisation software at the C amp A system provider or card issuing bank to d cryptthe keys securing the personalisation data To export the key e System Export Keys gt Transport Key Encryption Key Personalisation Data Securing Keys e Enter a valid Bank Id If all cards are personalised at the C amp A System provider enter bank id of settlement bank e HSM Board Status displayed e Press Ok to export transport key The key components will be saved in key cards please follow the instructions on the screen asking you to enter sequentially key cards and PINs After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 61 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration 2 12 7 2 12 8 Page 62 of 107 FINAL CONFIDENTIAL Card Register Create Keys transport key This key is a transport key used to encrypt Card Register and Create keys when on their way to the STARCOIN service provider Way of export 3 different Key Cards PIN Mailers if required Recipient STARCOIN service provider used to decrypt the keys securing the customers card application generation To export the key e System gt Export Keys Transport Key Encryption Key gt Card Register Create Keys e HSM Board Sta
57. dware The HSM elements displayed are e LMK State Functional state of the Local Master Key On any other message than HSM New LMK installed please call STARCOIN Service Hotline e HSM State Functional state of the HSM On any other message than HSM State o k please call STARCOIN Service Hotline e HSM Mode Functional state of the HSM On any other message than HSM Mode o k please call STARCOIN Service Hotline STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Battery Level Charge of the HSM own battery from 1 16 A value above 8 is 0 k The average life time of the battery given is 4 years Please care for ordering a new one before level becomes critical below 8 because a low level battery will cause loss of all HSM software The type of the battery is defined in the delivered HSM Manual HSM Id Unique identification number of the HSM board 2 3 1 2 Corresponding Key data The HSM functions show as a standard functionality the characteristics of the key STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Key Id Key identification number LMK Variant Indicates the variant of the LMK used to encrypt this key when stored in the C amp A database Activation Date Date when this key has become the valid one Not supported anymore Deactivation Date Date when this key was replaced by a new one see also Acti
58. e No Current authorisation equence number used to identify the authorisation sequence to the card issuing bank Each request for funds authorisation to the card issuing instance will carry a new sequence number allow later identification if required If the maximum value is reached the counter restarts with 000001 No manual entry possible Number ranging from 0 to 999999 e Max imum Total off line Amount ISO 406 Maximum cumulated total amount allowed in off line Debit POS Transaction With each sequential off line Debit POS payment transaction this value will be cumulated up to the defined limit If this is reached no more off line payment transaction can be executed until an on line transaction purse cheque load or Debit POS payment has been done Value in minor units of defined currency Number ranging from 0 to 4294967295 e Threshold Value IEP POS Switch Threshold value for the proposed service Above the here defined limit the merchant STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 37 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 4 3 2 2 4 4 terminal will propose Debit POS as preferred payment method but the cardholder can still select manually the el purse or el cheque payment as available and balances are sufficient Value in minor units of defined currency Number ranging from 0 to 4294967295 ATM Related Fields All ATM related fields pro
59. e ZIP Code Characters with maximum length 30 Not mandatory e Country Characters with maximum length 30 Not mandatory e Telephone Characters with maximum length 30 Not mandatory e Press Save button to restore the changes made 6 2 7 Delete Customer Information 6 2 7 1 Retrieve the existing Customer Record On selection of this option from the menu item the corresponding form appears on the screen with the cursor positioned on C amp A Customer Id field e Either e Enter a valid C amp A Customer Idin the C amp A Customer Id field e Press Tab the whole record is fetched on the screen e OR e With the cursor placed onsthe C amp A Customer Id or Bank Customer Id or Title or First Name or Name field press Search button A List of Values of Customer Information will be displayed on the screen e Select the desired Customer press OK button e Record is displayed on the screen e OR e Enter valid Bank Customer Id Title First Name Name and C amp A Customer Id combination e Press Tab the whole record is fetched on the screen 6 2 7 2 Delete Customer e Check the Deleted check box to delete a particular Customer The user can delete a Customer Information when all the Card s of the Customer are DEACTIVATED e Press Save button to delete the record marked for deletion Note If at any point of time after making some changes Clear
60. e application will automatically exit 2 If some of the initialisation data set up during installation process are not set up properly it won t be possible to work with the system 3 In both the cases as above report the error immediately to the STARCOIN support team STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 2 1 System Setup and administration Introduction After the STARCOIN system is installed the C amp A system has to be set up with a set of initialisation data and a hierarchy of security keys for security management of the system Export of certain keys for external and administrative usage is also done after The system initialisation data is categorised into seven groups depending on the requirement of these data in the system The system keys are to be set up first using the Key Management process of the STARCOIN system If the keys are not set up properly the system initialisation data cannot be set up The key set up requires that the HSM board and KCT 800 Keyboard ICT 800 terminal is set up in the server machine and the HSM server process HSMSERV EXE is running After the hierarchy of keys has been successfully installed in the system the system initialisation data has to be set up These data initialise the different functionality if the system Most of the data shouldn t be changed once they are set up as
61. e entered in the C amp A system is controlled by G amp D during system set up time e Enter valid values in the following fields e Pool Name Identifying name for each Pool Characters with maximum length 30 e Bank Id C amp A specific number of the bank managing the pool Please be sure having entered the bank before inserting a new pool When cursor is on Bank Id field on pressing Search button a List of Values showing all Banks not yet attached to any pool will appear Select a particular Bank and press Ok button of the List of Values Bank Id and corresponding Bank Name will be displayed on the screen Number ranging from 1 to 9999 e Pool A c Number Account number of the pool according to national international standards The settlement takes this account number for all debiting and crediting of load and purchase amounts Number ranging from 1 to 99999999999999999999 If Bank Id is entered then this data element is mandatory e Press Save button On proper condition check a new Pool record will be saved with system generated Pool Id displayed in Hex Update an existing Pool Record Allows to update the Pool Name the related Bank Id or the Pool account number e Press Query button The cursor will be at Pool Id e Either Enter data in Pool Id or in Pool Name field to fetch an existing record e Pool Id To be entered in Hex Maximum Length 4 e OR Press Search button to get a li
62. e the generation of keys which has an expiry date later than the current date and nearest to the current date After the expiry date of a generation of keys these keys automatically expires and the keys with the next exp All iry date automatically active the cards personalised with the expired deactivated keys are automatically blocked either by the terminal cards during a transaction or by the C amp A system Please note When adding a Top Level Keys instance all related High Level Keys are also generated andwritten to the database encrypted under their respective LMK 1 Select Top Level Key for Key Hierarchy Select any one of the following Key Name KGG_CARDS KGG SYSTEM KGG EXPIRY The corresponding key data are displayed Enter Version for KGG_CARDS and KGG_SYSTEM Number ranging from 1 to 255 Expiry Date for KGG_EXPIRY Date in DD MM YYYY format Press Ok the HSM state is displayed 6 Press Ok to Add New Key Instance of Top Level Key and all related High Level STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Keys or Press Cancel to return to the previous screen Follow the instructions on the screen asking you to insert the respective Key Cards Volume I of 11 26 04 99 Page 27 of 107 2 System Setup and administration FINAL CONFIDENTIAL 2 3 4 Page 28 of 107 View Keys The keys stored in the C amp A system are the top l
63. ed key groups As it can be seen on the screen some of the exported keys can be stored on the same key card together with other keys to save key cards e Access Path System Export Keys Transport Key Encryption Key ICC Personalisation Keys TK Personalisation Keys Transfer Card Personalisation Keys Settlement Data Securing Keys Personalisation Data Securing Keys Card Register Create Keys There are types of keys e Transport keys These keys are only used to encrypted the keys exported from the C amp A system When exported they arewritten in component form on three different key cards System gt Export Keys Transport Key Encryption Key gt e Other exported keys Depending on their definition they are used for card initialisation data encryption or other purposes If exported they are encrypted by the above defined Transport key encryption keys e Please note When keys are exported at least four key cards will be used 3 keys cards carrying the transport key components 1 key card containing the encrypted exported keys Please note that key cards can either carry keys split in component form or encrypted key but never both on the same card STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 57 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL Page 58 of 107 The following keys can be stored on one set of key cards G amp
64. ement Data Securing Keys Personalisation Data Securing Keys Card Register Create Keys gt 1nitialised Keys gt TK Personalisation gt Transfer Card Personalisation Settlement Data Securing Keys Personalisation Data Securing Keys Card Register Create Keys 3Generate Redlist Data Purge Redlist Data Page 13 of 107 1 Introduction FINAL CONFIDENTIAL e Terminal Card Update e Log Out e Exit e Masters By G D PROTOTYPE Clearing And Administration System ste Masters Manufacturer e Customer Customer Update Customers Page 14 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL e Terminal PROTOTYPE Clearing And Administration System Terminal Update Merchants STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 1 Introduction Page 15 of 107 1 Introduction FINAL CONFIDENTIAL e Settlement af Clearing And Administration System Settlement e Queries Report Clearing And Administration System Queries Report e U tilities Se re VG stemi 7 Page 16 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 1 Introduction 1 9 Help dministration System Settlement Queries Report Utilities Contents Starting STARCOIN The STARCOIN Invocation Process is initiated by starting
65. emented on funds raising for any purse or cheque load transactions thus the higher load limits of el cheques must be considered Value in minor units of defined currency Number ranging from 0 to 4294967295 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration e Max imum No of off line Authorisation ISO 402 Maximum number of off line authorisations allowed for Debit POS transactions If the defined number of off line authorisations is reached the cardholder must do an on line Debit POS transaction either a load or an on line Debit POS purchase The off line Debit POS payment function will be blocked until then but is resetted to the full value on the next on line transaction Number ranging from 0 to 999 e Credit Cycle Length ISO 409 Please choose between Daily the default one or Weekly from the list box provided The weekly credit cycle length lasts for Monday to Monday considering above defined limit Credit Cycle Limit e Max imum Days off line ISO 404 Maximum number of days where off line Debit POS purchases are valid After that period of time an on line authorisation purse cheque load or on line Debit POS purchase must be executed With each on line transaction this parameter is reset back to 0 and the full number of days off line can be used again Number ranging from 0 to 65535 e Authorisation Sequenc
66. emove and Details buttons of Bank block will be enabled along with the other buttons mentioned above Attach a Bank to a Pool A bank can be attached to a pool if it 1s not attached to any pool By default the pool holding bank is attached to the pool Press Attach button A list of values containing all banks which are yet to be attached will pop up Select a Bank If the bank has a valid Cash A c No then the bank is attached to the Pool At this stage Details of Bank block and Remove buttons are enabled Bank Id Bank Name and Bank BIN fields of block Bank will show the attached Bank information Detach a Bank from a Pool Selecta particular Bank from block Bank and press Remove button If the Bank has no customers attached to it or the Bank is not any Pool s Bank then the bank is allowed to be detached from the Pool When all the Banks in block Bank are removed then Remove and Details buttons of block Bank are disabled Show Pool Information in Details If Pool Bank Id and Pool A c No fields are not null and the Pool selected has Bank s attached to it then Volume I of 11 26 04 99 Page 87 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 5 6 6 5 7 5 7 1 e You can open the Pool Master Entry screen by pressing Details button of Bank Pool block but canno
67. er t should be started and running This process checks whether the system time has crossed the Settlement time If so then it checks whether the settlement has already run for the day by checking whether any of the settlement files has been created for the day in the designated directory If the files doesn t exists the settlement process starts The settlement data are exported to the following files DAVddmmy dat IEP ECH load unload settlement data ISLddmmy dat IEP purchase settlement data ESLddmmy dat ECH purchase settlement data POSddmmy dat POS purchase settlement data Security Identifier On Hashed the settlement data are transferred in plain text but secured against manipulation by an encrypted hash value On Combined each settlement data record is additionally encrypted Select Hashed or Combined Settlement Time At this time all transferred purchase data received via the bank software from the merchant terminals tnnnnnnn dat n n is serial number are read into the database after successful validation of all contained signatures This process is independent of the settlement mode manual automatic If automated mode is selected after signature validation the settlement and export of the data 1s done Time in HH24 MI format Service Charge Parameters The C amp A system provides a scheme for raising service charge According to this scheme service charge is raised for six differe
68. eted e Otherwise press Save button to delete the record New User Entry Administration e Access Path System Administration User STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 51 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 6 1 2 6 2 Any user working at the STARCOIN C amp A System has to be entered here and receives his own password By building a link to a Role Item this user is only allowed to operate within the defined menus of the Role Insert New user record Please enter the following fields to define a new user e User Id Identifying name of the user when entering the STARCOIN C amp A System Characters with maximum length 6 e Name Name of the user e g family name Characters with maximum length 30 e Designation Description of the users professional status Characters with maximum length 30 Not mandatory e Role Id Search enter one of the roles as defined in menusAdministration gt Role Item Enter a valid Role Id or select a valid Role Id from List of Values e Password Characters with maximum length 10 e Confirm Password Characters with maximum length 10 Must be same as Password e Expiry Date Date after which the user is not accepted anymore by the C amp A System Date in DD MM Y Y Y Y format Not mandatory e Press Save button to save the inserted record Retrieve the User record Find the role infor
69. evel and high level keys These keys are either version dependent or expiry date dependent At any instance of time only one version of version dependent keys is active Similarly at any instance of time only one set of expiry date dependent keys is active The active expiry date dependent keys are the set of keys whose expiry date is greater then and nearest to the current date Each key in the C amp A system is associated with a key id and Key Type The Key Type is a 1 byte bit map indicating e Whether the key is version dependent or expiry date dependent e The hierarchy level of the key e The cryptography used DES or double DES e Whether Card related or system related key e Whether Terminal Card specific or Cardholder card specific e Variant of the LMK The function allows to retrieve the above information about a certain key which is stored in the database e Select any one of the followingdor Key Hierarchy Top Level Key High Level Key e If Top Level Keys selected for Key Hierarchy e Select any one ofithe following Key Name for Top Level Key KGG CARDS KGG SYSTEM lt KGG EXPIRY e If High Level Key is selected for Key Hierarchy e Select any one of the following Related Top Level Key Name for High Level Key KGG CARDS KGG SYSTEM KGG EXPIRY e Corresponding to any one of the above Related Top Level Key Name you can have a number of Key Names Any one of them
70. exporting the different keys is described in this section Menu hierarchy Set up Key Management System Init Administration Role Items User Change Password Archive Purge Database Export Keys Transport Key Encryption Key Initialised Keys Settlement Data Securing Keys ICC Personalisation Keys TK Personalisation Keys Transfer Card Personalisation Keys Settlement Data Securing Keys Personalisation Data Securing Keys Card Register Create Keys STK Personalisation gt Transfer Card Personalisation Personalisation Data Securing Keys Card Register Create Keys Prerequisites G amp D initialisation data has been set up by G amp D HSM should be set up in the server The HSM server program HSMSERV exe should be running in the background For Administration None For Export Keys All keys must be installed in the database STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 3 Key management The Key Management process is required to Install the LMK Local Master Key Top Level Keys and High level Keys in the C amp A System This process should be completed before System Initialisation process and all Customer Terminal Card Handling Operation The Key hierarchy structure of the C amp A system is depicted in the annex There are two groups of keys in STARCOIN Version depende
71. f the system through the Key Management process e Set up of the system initialisation data for initialisation of the system through the SysInit System initialisation process Other subprocesses of the system are System Administration for maintenance of the users of the system and periodic archival and purge of historic data periodic purge of System Log and Export Keys for exporting keys for external usage e Master Maintenance This process includes the set up of Pools Banks and association between the Pools and Banks through the Pool Bank process Issue Update and Replace of Bank Authorisation Cards are handled from Bank Entry module Terminal manufacturer details are also maintained through this process STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 1 Introduction e Customer and Customer Card Handling Process Deals with maintenance of customers for the system and the Issue Renew Update and Replace of Customer Cards for the full life cycle of the card e Merchant Bank Terminal Terminal Card Handling Process Deals with issue and update of Merchant Bank Terminals for the system and the Issue Renew Update and Replace of Terminal Cards for the full life cycle of the card e Personalisation Process Deals with the generation of personalisation data of customer cards for the system and the reception of the personalisation confirmat
72. ge For Transactions Done At Other Bank Volume I of 11 26 04 99 Page 77 of 107 5 Master Maintenance FINAL CONFIDENTIAL Page 78 of 107 Value is Yes or No To understand the implication let us take the following example Suppose a Customer has an account in Bank Bj and does a load unload transaction at bank B2 Here of course these two banks are not same Also suppose that the Service Code value for the bank Bz is set to None Purchase Then for the issuer bank Bj if this flag is set to Yes B will pay the service charge otherwise customer will pay the service charge Press More button to get another screen consisting of rest of the fields Enter valid values in the following fields e On Line Authorisation Time Out Maximum time limit within which the customers card issuing bank should respond to the on line authorisation request from the STARCOIN C amp A system For detailed information please refer to GD2 Number ranging from 1 to 999 ATM Related Fields Only required if ATMs are used in the system otherwise the same values as for the POS function are recommended The default values for the following fields will be populated from System Initialisation parameters System gt Setup System Init ISO Param Even that ATM is a completely independent payment function the meaning and functionality of the ATM related fields is the same as for the POS function F
73. h 30 Not mandatory Bank Id and Bank Name are already shown on the screen C amp A Customer Id is system generated Press OK to come back to the initial screen along with Bank Customer Id Customer Name Customer FirstName Customer Title and C amp A Customer Id A new Customer record will be saved If at any point of time after making some changes if Clear or Close button is pressed system will ask for a confirmation and will act accordingly To issue a card follow the Issue New Card procedure of Issue a Card to an Existing Customer Issue a Card to an Existing Customer Retrieve the existing customer record Enter either Bank Customer Id or Name or FirstName or Title or C amp A Customer Id fields Searchable fields are in Yellow legend Wildcard entry can be used in all the above fields to fetch the record Press Search button in the Customer block and select a Customer record Note No Customer information will be shown in the List of Values for which no Card record present Customer Customer Card amp respective IEP ECH details if any are now on the screen Issue New card Press New button on the Customer Card Block of the screen The following are the non enterable fields for customer card details e Customer Card No Customers card serial number STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Ha
74. he following operation 1 To generate a new Bank Clerk 2 To search for an existing Bank Clerk and show Bank Authorisation Card details 3 To create a new Bank Authorisation Card 4 To show details of an existing Bank Authorisation Card 5 To export either Issued or Replaced Bank Authorisation Card STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 81 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 6 To Issue a Bank Authorisation Card 7 To Replace a Bank Authorisation Card 8 To Update an existing Bank Authorisation Card 5 4 1 Issue a Bank Authorisation Card e Press Issue BAC button of Bank Maintenance screen to invoke this screen e Generate a New Bank Clerk See below e Generate a New Bank Authorisation Card See below e Export Bank Authorisation Card Details See below 5 4 2 Update a Bank Authorisation Card e Press Update BAC button of Bank Maintenance screen to invoke this screen e Update Card List Status Card Status and Card Status Reason of Bank Authorisation Card See below 5 4 3 Replace a Bank Authorisation Card e Press Replace BAC button of Bank Maintenance screen to invoke this screen e Export Bank Authorisation Card Details See below e Replace a Bank Authorisation Card See below 5 4 4 Generate a New Bank Clerk e Press New button in Bank Clerk block to open the screen of Maintain Bank Clerk Detail
75. he issuing bank which must inform the C8 A system at once If available the date time of loss theft need to be reported too e Replacement The customer card has expired and is replaced in the normal card live cycle The process Of generating a new set of cards is initiated from an extra screen e Returned The customer returns his card to the issuing bank for any reason and the bank must inform the C amp A system phone fax letter 6 2 5 2 Retrieve the existing Customer record On selection of this option from the menu item the corresponding form appears on the screen with the cursor positioned on Bank Customer Id field e Enter either Bank Customer Id or Name or FirstName or Title or C amp A Customer Id fields Searchable fields are in Yellow legend Wildcard entry may be used in all the fields to fetch the record STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 105 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL 6 2 5 3 6 2 6 6 2 6 1 6 2 6 2 Page 106 of 107 e Press Search button in the Customer block e Customer Customer Card amp respective IEP ECH details if any are now on the screen Update Card Status e If the Card Status is not DEACTIVATED or RESTRICTED USE then Update button will be enabled If Update button is enabled press the button e A window appears After selecting proper Status Reason and List Status Ca
76. iewed from the bank screen All address data and especially the location of the Service charge account of the C amp A Sy STARCOIN C amp A User Manual stem provider must be entered here CA Provider Name Characters with maximum length 30 Service Bank Id Bank identification number according to national international standards of the bank holding the account where all service charges raised in the system are credited to Please note that this field is mandatory if service charges are raised Number ranging from 1 to 9999 Service A c No Account number according to national international standards of the service charge account Please note that this field is mandatory if service charges are raised Number ranging from 1 to 99999999999999999999 Street where the C amp A service provider is located Characters with maximum length 30 Not mandatory City where the C amp A service provider is located Volume I of 11 26 04 99 Page 47 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration 2 4 8 Page 48 of 107 Characters with maximum length 30 Not mandatory ZIP Code of city where the C amp A service provider is located Characters with maximum length 30 Not mandatory Country where the C amp A service provider is located Characters with maximum length 30 Not mandatory Telephone of C amp A service provider Characters with maximum length 30 Not manda
77. igh Level Keys are derived dynamically when required STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 21 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 3 1 2 3 1 1 Page 22 of 107 Introduction e Access Path System Set up Key Management The STARCOIN Key management functions organise the key handling in the C amp A System Select one of the following available options from the listbox for the Option field Install New Key Install new Top Level Key and all related High Level Keys Add New Key Instance Add additional instance of version expiry date dependent key of an existing key View Key View basic key data Delete Key Delete Invalidate Top Level Key and all related High Level Keys Reinstall Key Reinstall Top Level Key from Key Card Update Topical Version Change topical version of system key Change LMK Generate new LMK and update the key database Issue Key Card Generate individual PINs for a Key Card HSM surveillance screen When any of the above key management functions are invoked an initial screen is popped up indicating the Status of the HSM board attached to the host computer Some key management functions are automatically invoked to display the state of important HSM elements The HSM Server program HSMSERV exe should be running in the background This program provides the C amp A system a software pipe interface to the HSM har
78. int of time Clear or Close button is pressed system will ask for a confirmation and will act accordingly e Customer Card No Cardholder Id Number depending on the condition amp IEP ECH No are C amp A system generated e You can see a Card entry in the Customer Card block along with IEP ECH details in IEP ECH block if any e Now at this stage you may wish to view the Card Data or you may Export the card data e If you wish to view the Card Data then press Details button in the Customer Card block which will take you to the Customer Card details screen e If you wish to export Card Data then press the Export button 6 2 4 Replace Customer Card e Access Path Customer Replace Cards Customer cards can be replaced if they have been expired lost stolen or returned for any reason 6 2 4 1 Retrieve the existing customer record On selection of this option from the menu item the corresponding form appears on the screen with the cursor positioned on Bank Customer Id field STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 99 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL e Enter either Bank Customer Id or Name or FirstName or Title or C amp A Customer Id fields Searchable fields are in Yellow legend Wildcard entry may be used in all the fields to fetch the record e Press Search button in the Customer block
79. ion file e Settlement Process Does the settlement of Load Unload and Purchase Transaction if a manual settlement has been chosen during system setup e Other processes including Queries Reports and Utilities These processes are not mutually exclusive and have additional functionality that administrates and links the above processes 1 3 Acronyms and Abbreviations The System consists of a set of terminology which are commonly abbreviated Phrases less than 6 characters can also be abbreviated with proper justification The System reserves a standard list of abbreviations A simple list of abbreviations is shown here STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 7 of 107 Version 2 0 0 Revision 15 04 99 1 Introduction Page 8 of 107 DB_ADVICE Debit ECH_STLADVICE Electronic Cheque DAV ESL ECH Host Security Module HSM HSM IEP STLADVICE IEPECH Information Intersector Electronic Purse KEY VERSION Local Master Key Manufacturer Merchant MERCHANT MRC POOL PC Security Module FHSM Personalisation Point of Sales PUR TRANSACTION Purchase Query Report Request Response Result Settlement Signature SYSADM lt CURRENCY SYSADM_ERRORS SYSADM_ITEMS Reserved for future use SYSADM_ROLE_ITEMS SYSADM_ROLES SYSADM_USERS SYSADM_USERS Temporary TERM_MANF Terminal TERMINAL Transaction Transfer ISL IEH Info IEP KVR LMK Manf Mrc MRC MPL HSM Pers
80. ive amount with every off line and on line Debit POS transaction but only taken into consideration for off line authorisations If the limit 1s to low for an off line payment the on line payment 1s still possible This values also decremented on funds raising for any purse or cheque load transactions thus the higher load limits of el cheques must be considered Value insminor units of defined currency Number ranging from 0 to 4294967295 e Credit Cycle Length Please choose between Daily the default one or Weekly from the list box provided The weekly credit cycle length lasts for Monday to Monday considering above defined limit Credit Cycle Limit Enter the remaining field in section IEP ECH e ECH A c No This value is null for IEP and is mandatory for ECH or IEPECH This account is Page 98 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process the destination account for ECH load and source account for ECH unload purchase e Press More button to view the following fields for the purse a IEP and or ECH Load Amount b IEP and or ECH Unload Amount c IEP and or ECH Purchase Amount d IEP and or ECH Current Balance e Press Back button to return to the original screen e Press OK button to come back to the original calling screen after saving a new Customer Card e If at any po
81. iven to the bank clerk Seen technically the card is then loaded from the cash account of the bank STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration IEP Purchase Purchase at merchant terminal with IEP ECH Purchase Purchase at merchant terminal with ECH Debit POS Purchase Purchase at merchant terminal with on line off line Debit POS ATM IEP Load The customers card el purse is loaded from account of the cardholder at an ATM ATM IEP Unload The full or partial balance of an electronic purse is debited from the card and credited to the cardholders account or given as cash at an ATM ATM ECH Load The customers card el cheque is loaded from account of the cardholder at an ATM ATM ECH Unload The full or partial balance of an electronic cheque is debited from the card and credited to the cardholders account or givemas cash at an ATM The following fields must be entered corresponding to each of the above Services STARCOIN C amp A User Manual Minimum Limit Any transaction amount below or equal to that limit will be charged with Minimum charge Number ranging from 1 to 9999999999 Minimum Charge Amount debited for a transaction below or equal to Minimum Limit Number ranging from 1 to 9999999999 Maximum Limit Any transaction amount above or equal to that limit will be charged with Maximum charge Number ranging from
82. lso generated and written to the database encrypted under their respective LMK 1 Select Key hierarchy Top Level Key 2 Select any of the following Key Name KGG_CARDS KGG_SYSTEM KGG_EXPIRY 3 The corresponding key data are displayed 4 The next available value for Version For KGG CARDS and KGG SYSTEM is shown which is not updateable 5 For KGG_EXPIRY Key enter 6 Expiry Date Date in DD MM YYYY format 7 Press Ok the HSM state is displayed STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 8 Press Ok to install a new Top Level Key or press Cancel to return to the previous screen 9 Follow the instructions on the screen asking you to insert the respective Key Cards for backing up the new instance of the key 2 3 3 Add New Key Instance At any time a new instance of a key can be generated related to either a version number KGG_SYSTEM KGG_CARDS or an expiry date KGG_EXPIR Y For version dependent keys KGG_SYSTEM KGG_ CARDS the next higher version number is automatically taken There can me a maximum of 2553 versions of keys existing in the system For expiry date dependent keys KGG EXPIRY the expiry date has to be manually entered The expiry date entered has to be later than the latest KGG EXPIRY key in the system At any instance the active expiry date keys ar
83. m Clear Form e Press Clear button Clear the screen Cursor is on the field C amp A Specific Bank Clerk Id Close Form e Press Close button Close the screen Control comes back tothe parent form Bank Master Maintenance Bank Clerk Maintenance e Access Path Masters gt Bank gt Issue Bank Clerk Card This process is used to ereate anew Bank Clerk record with Bank details and address information 5 5 1 Createa New Bank Clerk e Enter the mandatory field s along with Bank Clerk information Press Ok button Show error message if mandatory fields are not entered and invalid user input is given e For proper user input save the transaction Close this screen Control comes back to the parent form Issue BAC Show Bank Clerk information in Bank Clerk block of Issue Bank Clerk Card screen 5 5 2 Clear the screen e Press Clear button Dialog box pops up showing warning message comes asking for whether you want to clear the form e Press Yes button in this dialog box The screen will be cleared Cursor is on the field Bank Specific Clerk Id STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 85 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL Press No button in this dialog box No changes occur 5 5 3 Close the screen Press Close button The screen will be closed Control comes back to the parent fo
84. mation for a certain user e Press the Query button e Fetch the data for a particular User Id or press Cancel button to cancel the query e Either Enter valid data in either User Id or User Name field searchable fields are in Yellow legend Wildcarding may be used in both of the fields e OR STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 52 of 107 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Press Search button to get a list of Users which is shown in List of Values form On selection of desired User press OK button in List of Values form e Press Execute button to retrieve the data for a single User or all Users 2 6 3 Update Delete User record Retrieve the User record e Press the Query button e Fetch the data for a particular User Id or press the Cancel button to cancel the query e Either Enter valid data in either User Id or User Name field searchable fields are in Yellow legend Wildcarding may be used in both of the fields e OR Press Search button to get a list of Users whichis shown in List of Values form On selection of desired User press OK button in List of Values form e Press Execute button to retrieve the data for a single User or all User s Update Delete User record e Save button is enabled aftemany modification in any or all of the following fields e
85. nd only on successful confirmation of an update the next relevant one will be sent Page 70 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 5 1 Master Maintenance Introduction Certain entities of the C amp A system such as the pools participating banks and terminals manufacturers are some of the top level entities of the C amp A system Most of the other entities depend on these entities Pools in the system will generally be entered once during system set up and the details of these pools will generally not change Similarly participating bank details and their relationship with the pools will also be changed less frequently These are some of the vital information in the system whose access has to be restricted from a class of users of the C amp A system Hence these items are grouped under master maintenance The described software functionality manages banks pools and their relation For a general description of the STARCOIN pool management please refer to GD1 Also the terminal manufactures must be entered here 5 1 1 Prerequisites For Pool Related bank must have been entered Maintenance For Bank None Maintenance For Pool Bank There should be banks entered which Maintenance are not attached to any pool For Manufacturer None Maintenance 5 1 2 Navigation functions Clear the screen e Press Clear button e If any cha
86. nday considering above defined limit Credit Cycle Limit Press Back button to get back the original screen Press Save button On proper condition check a new Bank record will be saved with system generated Bank Id Update an Existing Bank Record Change the bank s address cash account number or service account number e Press Query button The cursor will be at Bank Id e Either Enter data in Bank Id or in Bank Name field to fetch an existing record e OR Press Search button to get a list of Banks shown in List of values searchable fields are in Yellow legend Wildcarding may beused in both of the fields On selection of desired Bank press OK button Bank Id and Bank Name will be displayed on the screen e Press Execute button to retrieve the record from the database At this stage Up Down Query Clear Save amp Close buttons are enabled e Use Up and Down arrow keys to navigate between Bank records e Do necessary modifications in any of the enterable fields The following bank information can be updated 1 Address 2 Cash A c Number 3 Service A c Number Note Change of Cash A c no and service a c no affects settlement e Press Save button to save the updated record in the database View Pool Details Access to the pool related data from the bank screen e Press Pool Details button to open Pool Master Entry screen in Rea
87. ndling Process STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 This number is automatically generated Itis a 16 digit number The first number generated is Pilot Id appended with Card No Init Value of System Init ICC Param 1 e 1f the Pilot Id is 255 and the Card No Init Value is 6700000000001 then the first Card number generated is 00002556700000000001 The subsequent card number generated are the last number incremented by 1 C amp A Customer Id The customer id that is generated when the customer is installed in the system Card Expiry Date The date on which the Customer card will expire This value is taken from sysinit ICC Param Customer Card Expiry Date Beyond this date all transactions with this card will be blocked Card List Status States whether the Card is Red Listed If the card is not RedListed then the list status is Neither A card can be Red Listed from Customer gt Update Card status A Red Listed card cannot be made ACTIVE again nor can it be replaced by another card The field Cardholder Id Number required for the Personalisation of the customer card will be generated Or to be entered depending on the following conditions a If the value of Cardholder Id in System Initialisation Screen is set to ISO 7812 1 then Cardholder Id Number will be automatically generated using the Card Number and certain other parameters b If the
88. nge has been made then an Alert message will pop up asking for confirmation Press Yes button to clear the form e If no change has been made then on pressing the Clear button the form will be cleared Close the screen e Press Close button e If any change has been made then an Alert message will pop up confirming the Exit Press Yes button to close the form and exit STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 71 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 5 2 5 2 1 5 2 2 Page 72 of 107 e If no change has been made then on pressing the Close button the form will be closed without showing any alert Pool Maintenance e Access Path Masters Pool The management of pools is one of the major features of the STARCOIN System A pool is an account in a bank where all money which is stored on the customers card when loading with electronic units is transferred to This money is now at the disposal of the bank Within STARCOIN a pool represents one or several card 1ssuing banks When all pool transactions are cleared at the end of the day the C amp A system sends the settlement bank the pool transaction advice that then manages the transfers of the amounts to the different bank accounts For a general description of the STARCOIN poolmanagement please refer to GD1 Pools and terminal cards All available pools are already initialised
89. nn nn naar rn nnnnnnncnnnnns 84 5 4 9 Exporting Bank Authorisation Card Details anen en a R aE EEE ea EEn EARS E SEEE TEES 84 5 4 10 Updating Bank Authorisation Card ssresonnnnonnvonnnnnvnrnenvnnnenrnvennnnenrnennenerrrnennennsnrsssnnnnenrsennensenseenntaligerseennensnrssennenenrassnnene 84 5 4 11 Replacing Bank Authorisation Card ssrooonvvonrnnonnvnnnrnvennnevrnvennnnerrrennrnernrnennenenrrrvennenerrrvenenerrvdllnenvrralienevrasennesernvenneneer 84 54 12 Clear Form ain See MO a is 85 5 4 13 CLOSE FOM A Y Ge 85 5 5 BANK CLERK MAINTENANCE nesrorvrovvrevvrvvvevernvvensvnveevvevvvevvevvsevnvevseuvsevvevsennsennrensevnernsreere gain MD copper ETE E 85 5 5 1 Create New Bank Clero A ss isens 85 3 32 Clear th screen aud one GE 85 S5 3 Close Me screensaasnsatd kara B R Vee des 86 5 6 POOL BANK MAINTENANCE ooconcconoconnocnnoncnonconononnnconnonn non no rnnonnnonne rro RE o reee nonn non n corn r erre rn arenas 86 5 6 1 Generate a GET Y A A 86 5 6 2 Select a Particular POOL oononononoccncnoranononcacnnnnnronccnnn O MN occ se ecessenseceseneecesssceecensnsecseneeeesssneeeeensnsessenes 87 3 6 3 Attach a Bankto a Pol O A She TO is 87 5 6 4 D t ch Bank from PO0dliionii ni id indeed 87 5 6 5 Show Pool Information in Details B eooo rn coco eoret eeose ne rn nena ene enn e on ne cnn ron Re neon nen ron corren nen ness 87 5 6 6 Show Bank Information in Details srroroorrrr A MAA 88 5 7 MANUFACTU
90. nnnvenensenssseensennnvensesennnveneegpnensere essee A eesosa sesi Soses eseese Soe eeose eisoes 66 3 1 MENU HIERARCHY cional e ae E E EEE Ea SEES 66 S PRETEGQUISILES a E E EEEE A CE E E E EE 66 3 2 GENERATE REDLIST DATA 200 MG Ge 66 3 3 PURGE REDLISTDATA Zrii Me NE 67 4 TERMINAL CARD UPDATE essesesnevernseennsesevseeeeeeesggiigg Ufrevevvrsoffrevvrnernvvennnsennveennsesnnsenssnesnnseennesesnevennesennsensvnennnsenenesenneeennesenn 68 41 INTRODUCTION Garn A O eee tast 68 4 2 PREREQUISITES man hela P db ene Stare 68 4 3 NAVIGATION FUNCTIONS vik ne 69 4 4 INSERT A NEW UPDATE COMMA IIPUNID AAA 69 4 5 REMARKS TO UPDATE MANAGEMENT A oven nnrnnvrnvnreravvrnevnevnenvrnevnesnnevnensnersnrvenaserasnavenasvrasvraevnesnnennnesnevsvernnesnessvsvensesvasen 70 EII AA A Sesso s so osre Soroso SES ESES NSSS Nrs Orat SSP tS TRESSES OSS oS EDSS o Essee Er Sna SSeS 71 5 1 INTRODUCTION 20s O EP E E E EE 71 SAA Prereguistes sa E V ee ea Act 71 S12 OI A NN 71 IA O OS A NN 72 5 21 POOL CA dos 72 DEBERIAS Ps 72 5 2 3 Update Mi existing POOL Record A RAN 73 5 24 Query POOL sat sale 74 NG SINN OE SE 75 3 3 1 Insert A New Bank edad dentada dan ESE ai i e 76 3 3 2 Update GN Extstine Bank Record add A A ii a 80 53 3 View Pool Detatls nu A A eten ren SET 80 5 3 4 Issue Bank Authorisation Card BAC orornnnnnvnrnnvnrnnnnnvnrnnvnvnrrnnrnrrssnnrrsnnrnrsrrnnvnrsrssnnrsrennnsrsennrsrssnnnrsrsnnnrsssssnnrsrssnnnesssnnnssne 8l Page 4 of 107 STARCOIN C amp A U
91. nt can be updated Only valid Cluster Id is entered The update command will be prepared for all terminals falling under this Cluster Id The cluster id may be used to identify a specific group of merchants e g according todSO 8583 Only valid Terminal Id amp Operator Id opt Cluster id is entered The update command will be prepared for that particular terminal We do not recommend to update only terminal cards of specific terminals because the overview on which terminal card may have received which feature can be lost easily even that the changes are reflected in the database Only valid Operator Id amp Cluster Id is entered The update command will be prepared for all terminals falling under this Operator Id and Cluster Id To be used if the terminal cards of a specific group of terminals of one merchant need to be updated Enter valid values in the following fields Volume I of 11 26 04 99 Page 69 of 107 4 Terminal Card Update FINAL CONFIDENTIAL e UCT Version Identifying version for the UCT File Numeric values with fixed length 001 999 e Operator Id Operator Id for the Terminal as defined in the merchant terminal table Numeric values with maximum length 10 e Cluster Id Cluster Id for the Terminal as defined in the merchant terminal table Numeric values with maximum length 4 e Terminal Id e Terminal Id as defined in the merchant terminal table Numeric values wi
92. nt keys and Expiry Date dependent keys Depending on their expiry conditions the C amp A system is no more allowed to accept signatures calculated with an old key The update of version keys in the participating instances takes a certain time while the C amp A system still must accept signatures generated with the older version The acceptation time is defined in Deactivation date offset of system initialisation System gt Setup gt System Init gt ICC Param Deactivation Date Offset The version dependent keys split into two groups e Card related keys derived from KGG_CARDS e C amp A system related keys derived from KGGASYSTEM Card related keys are derived andpersonalised on different types of smartcards while the system related keys are used for specific tasks e g securing the data transfer between C amp A system and settlement bank Expiry date dependent keys become invalid with the begin of the day after their expiry date They are derived from KGG EXPIRY A Local Master Key LMK is used to encrypt all keys stored in the database Depending on the type of key a different LMK is used Before any other key may be generated the EMKs must be installed Please note that only one LMK ever leaves the HSM for backup purposes the others are derived from it Certain derivative bases are used to derive High Level Keys KM GEN KM from a Top Level Keys KGG These keys are stored in the database all keys below the H
93. nt services provided by the system The table below depicts the different instances to be charged Alternative instances to be selected for charging STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Load from account Loading Bank Customer Lomdbyesn Loadingank I oo Tuntoadio cash Unloading Bank 0 I e Table 2 1 Service charge instances All service charges are raised during clearing process according to the defined charging scheme The instance to be selected for charging is decided per bank at bank installation time It can be decided who takes the service charges while it is assumed that a bank may be may be a issuing bank and merchant bank at the same time The following cases are possible 1 Bank is charged for load unload and IEP ECH POS purchase 2 Bank is charged for load unload and merchant is charged for IEP ECH POS purchase 3 Bank is charged for IEP ECH POS purchase and customer is charged for load and unload 4 Bank is not charged at all customer is charged for load and unload and merchant is charged for IEP ECH POS purchase Every service charge raised can be set according to the following model Limit Limit e Table 2 2 Service charge scheme 1 Minimum Charge If the transaction amount is below the Minimum Limit the defined charge is raised 2 Rate If the transaction amount is between
94. of deactivation on Number ranging from 0 to 999 Card No Init Value At the discretion of the system provider the starting value of the number circle of the customers cards can be defined Please note that the number stored in the card is always preceded with the so called Pilot Id of this system Number ranging from 1 to 9999999999999 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 4 3 Customer Card Expiry Date Expiry date of the customers card The date is related to a key expiry date It can be changed if a new generation of cards shall be issued Date in DD MM Y Y Y Y format PIN Change Allowed Indicator Data element of the customers card indicating if this card is allowed to do a PIN change at the bank service terminal recommended YES Select YES or NO Min Loading Amount The minimum load amount for IEP ECH to be defined here Number ranging from 1 to 4294967295 On line Authorisation Limit For the on line authorisation for the trans eted amount at load or Debit POS payment transaction to the customers cards issuingbank above the here defined limit an on line authorisation will be required see also GD2 Number ranging from 0 to 4294967295 Cardholder Id The value of this fieldandicates the scheme that the application should follow while generating the Cardholder Id for Customer Cards
95. on process 1 Describes the batch export process of Customer Card Data 2 Describes the operation of Import of Personalisation Confirmation Process Chapter 7 Settlement Process Describes the operation of Settlement Process Chapter 8 Queries and Reports Describes the operation of Queries and Report Chapter 9 Utilities Describes the operation of different utilities Chapter 10 Appendices Describes a list of executables errors and Tables in the System STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 1 Introduction 1 6 General Description STARCOIN System overview Settlement bank C amp A system provider C amp A System Settlement advices Communication i networks Public Bank own Load authorisgtion requests Parameter redkst update Load unlofd service Acquirer Issuer Bank Bank Host Bank service terminal A Customer Customer card E fer Merchant Transfer card Purchase terminal AA Card transactions On line transactions on Asys_ovr2 af3 eFig 1 1 System structure overview STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 11 of 107 Version 2 0 0 Revision 15 04 99 1 Introduction 1 7 1 8 1 8 1 1 8 2 Page 12 of 107 FINAL CONFIDENTIAL Writing Style Description Font Name Font Font CCE Top level I Top level Headings 14 Bold Second Le
96. ons on the screen asking you to insert the respective Key Cards for backing up the LMK components Volume I of 11 26 04 99 Page 25 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 3 2 2 Page 26 of 107 The LMK installation process checks the LMK status If the LMK state is 81 HSM New LMK Not Installed then either a LMK can be reinstalled from existing LMK Key Cards or a new LMK can be installed at users choice If the LMK state is 400 HSM New LMK Installed then the user can only change the LMK using the Change LMK option On any other HSM status reports Install LMK cannot be performed and the control is returned to key management main screen Install Top Level Key This process installs the first instance of the selected top level key and the related high level keys into the C amp A Database and is only required on new system installation Further instances of top level and high level keys can be installed using the option Add New Key Instance The option can be manually fired only 1f new LMK has been installed and no instances of the corresponding top level and high level keys exists in the C amp A database However this function is automatically fired after a new LMK is installed with the option Install new key gt LME or the option Change BMK e Please note When installing one of the Top Level Keys all related High Level Keys are a
97. or detailed description please see below POS Related Fields The default value for the following fields will be populated from System Initialisation parameters System Setup gt System Init gt ISO Param e On Line Authorisation Limit On any request for authorisation of a Debit POS transaction either load or purchase above the limit defined here an on line request to the customers card issuing bank will be generated by the C amp A system For detailed information please refer to GD2 Value in minor units of defined currency Number ranging from 1 to 4294967295 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 e Off line Floor Limit of ICC Maximum amount which can be spent through Customer Card for a single Debit POS transaction valid for on line and off line transactions Value in minor units of defined currency Number ranging from 0 to 4294967295 Max imum No of off line Authorisation Maximum number of off line authorisations allowed for Debit POS transactions If the defined number of off line authorisations is reached the cardholder must do an on line Debit POS transaction The off line Debit POS payment function will be blocked until then but is resetted to the full value on the next on line transaction Number ranging from 0 to 999 Max imum Days off line M
98. ort Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called 2 12 9 Transfer Card Personalisation key This key is the transfer card Personalisation key It is used to authorise the C amp A System process for Personalisation of the transfer card Way of export 1 Key Card PIN Mailer if required Recipient G amp D initialising it on the transfer cards To export the key STARCOIN C amp A User Manual System Export Keys lnitialised Keys Transfer Card Personalisation Select either Card or File for mode of saving keys Enter a valid File Name if File option is chosen the key stored then on a disk HSM Board Status displayed Press Ok to export key If Card option has been chosen the encrypted key will be saved in the key card please follow the instructions on the screen asking you to enter key card and PIN If File option is chosen for mode of saving keys the encrypted key will be saved in a file having the entered file name as its name After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called Volume I of 11 26 04 99 Page 63 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL 2 12 10 2 12 11 Page 64 of 107 Settlement Data Securing Keys These keys secure the data sent from the C amp A sy
99. rd Status is automatically set with Status Date as current date If OK is pressed Card Status Status Reason and List Status for the selected Card are updated Update Customer e Access Path Customer Update customer Retrieve the existing Customer Record On selection of this option from the menu item the corresponding form appears on the screen with the cursor positioned on C amp A Customer Id field e Hither e Enter a valid C amp A Customer Id in the C amp A Customer Id field e Press Tab the whole record is fetched on the screen e OR e With the cursor placed on the C amp A Customer Id or Bank Customer Id or Title or First Name or Name field press Search button A List of Values of Customer Information will be displayed on the screen e Select the desired Customer press OK button e Recordis displayed on the screen e OR e Enter valid Bank Customer Id Title First Name Name and C amp A Customer Id combination e Press Tab the whole record is fetched on the screen Update Customer Record e The following fields can be modified e Date of Birth Date in DD MM Y Y Y Y format STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process e Street Characters with maximum length 30 Not mandatory e City Characters with maximum length 30 Not mandatory
100. rent form 5 4 7 Create a New Bank Authorisation Card e Press New button in BAC Card block e Window pops up showing details of bank clerk s Card User can input in the field Credit Cycle Limit which has already a default value e Press Close button in this window A dialog box pops up with warning message e Press Yes button in the dialog box Control comes back to the parent form and no bank customer is created e Press No button in the dialog box Control stays in window showing the details of bank clerk s details e Press Ok button in this window Create New BAC Card information with Card List Status gt Neither Card Status gt NEW and Card Status Reason gt NULL and control comes back to the parent form STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 83 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 5 4 8 Show Bank Authorisation Card Details e Press Details button in BAC Card block e Window pops up showing details of bank clerk s Card e Change the field Credit Cycle Limit e Press Close button A dialog box pops up showing warning message e Press No button Control stays in the window of BAC card details e Press Yes button Control comes back to the parent form with no change in data e Press OK button Control comes back to the parent form thesecord is up
101. rm Issue Bank Clerk Card 5 6 Pool Bank Maintenance Access Path Masters gt Pool Bank Through this process an user can attach an existing bank to a Pool under the following conditions l The Pool has to be an IEP pool Pool id from to 19 and not an ECH pool Pool Id 8001 pex The Pool should have the pool holding Bank Id and Pool A C no specified 3 There should be banks in the system which is not attached to any pool The bank should have a Cash A c number specified There can be several banks attached to apool even if they are all card issuing banks This process allows for the attachment of banks to a pool One bank can be attached to one and only one pool Thus to attach a bank to a pool there should be bank in the system which is not attached to any pool The pool managing banka4s always displayed in the first line in the list of related banks 5 6 1 Generate a New Pool Page 86 of 107 Press New button If total number of Pools are already generated Maximum Pool limit then an Error message will be shown in an Alert At this stage you cannot generate a new Pool Else the Pool Master Entry screen will be opened e Insert valid values and press Save button e On proper validation check a new Pool will be created with system generated Pool Id displayed in Hex e Press Close button Pool Master Entry screen will be closed and control comes back
102. s Refer to process No 5 5 5 4 5 Search for existing Bank Clerk e Press Search button e If C amp A Specific Bank Clerk exists e List of values pops up showing list of Bank Clerk customers attached to this bank Page 82 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance e Press OK button in List of values Control comes back to the form with the selected Bank Clerk s information e The Details button in Bank Clerk block for Issue BAC Update BAC and Replace BAC options gets enabled e New and Details buttons in the BAC Card block for Issue BAC option gets enabled e Only the Details button in the BAC Card block for Update BAC and Replace BAC options gets enabled e Update button if the BAC is updatable for Update BAC option gets enabled e Replace button if the BAC is replaceable for Replace BAC option gets enabled e Press Cancel button in List of values Control comes back to the form with no information of Bank Clerk e Else shows information that no record exists 5 4 6 Show Bank Clerk Details e Press Details button in Bank Clerk block e The screen Bank Clerk Maintenance is called in Read Only mode Close button is enabled e Press Close button e Control comes back to the pa
103. s Ok the HSM state is displayed Press Ok to reinstall an existing Top Level Key or press Cancel to return to the previous screen 4 Follow the instructions on the screen asking you to insert the respective Key Cards 2 3 7 Update Topical Version Here a key version update is only possible for KGG_SYSTEM and related High Level Keys Card related keys version nd expiry date update requires a more complex process which is defined later in this document Please note that severalinstances of KGG_SYSTEM can be set to active at the same time opening key tree for usage but from their related KM_GEN KM only one instance This command is only valid for version dependent keys Expiry date dependent keys never change they just expire 1 2 3 4 5 6 STARCOIN C amp A User Manual Select Top Level Key for Key Hierarchy Select KGG SYSTEM for Key Name The corresponding data will be displayed Select a Version from an existing list preferably the next higher one Press Ok the HSM state is displayed Press Ok to Update Topical Version of an existing Top Level Key or Press Cancel to return to the previous screen Version 2 0 0 Revision 15 04 99 The lower version of the Top Level Key and all related High Level Keys become blocked at once Volume I of 11 26 04 99 Page 31 of 107 2 System Setup and administration FINAL CONFIDENTIAL 2 3 8 2 3 9 2 4 2
104. s Terminals containing older redlists will refuse every off line transaction Number ranging from 1 to 999 Red date This is the generation date of redlist data Date is automatically generated when Redlist information is created Red Length It represents the number of redlisted Cards at an instance inthe System The value is generated automatically The field is disabled here Red Number While checking the status of Customer Cards if found redlisted a number is generated as Red Number through process User input is not allowed here Role Item Master Administration Access Path System gt Administration Role Item The System Administrator can create several Roles in the system Each role indicates a class Of users having a certain privilege to operate certain menu items within the system Any user of the STARCOIN C amp A System is linked to a certain Role allowing him to operate only in the menus assigned to the role defined before by the system administrator Insert a Role Item record Create a new role for a class of users Insert new e Role Id Short identifier of a certain role Characters with maximum length 10 Volume I of 11 26 04 99 Page 49 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL e Role Name Name of the role specifying a class of users with certain access rights Characters with maximum length 30 e Fora particular Role Id e
105. ser Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 Content 5 3 5 Update Bank Authorisation Card BAC cccccccscccccsscccceeseceeseeseecssseeecuseceessseeecsesaeeeceneaaeseesaeeecasaececuaeeeeeseaeeecsesaeeesnesaeeneees 8l 5 3 6 Replace Bank Authorisation Card BAC rrnnrvrrnnnnvrnnnrnvnrnnnrnrrennvnrrnnnnvrrenvnrrsennrsrssnnnnesrsnnnnrsssnnsrsnnnnrsssnnrnrnrssnnrsrsnnnssssnnnssne 8l 5 4 BANK AUTHORISATION CARD BAC INFORMATION MAINTENANCE srororrnnrrvrennrrrrsrnnvrrsnrnnnrsssnnnnrrssnversnnnsesrennrnrrrssnnrsrsnrneesennn 81 5 4 1 Issue a Bank Authorisation Card IREE E EE E A annen 82 3 4 2 Update a Bank Authorisation Card xs san E rikere eee treer SO 82 5 4 3 Replace a Bank Authorisation Card w ecceeccccesecessscesnceensecencecssecssaeecseesacecsscesesucecsseceeceecsaeeeacecsaeessacecesaecseaeecsaeceaeecseeeeeneees 82 5 4 4 Generate New Bank Clerk cccicciescess saci cdeeexesshevunscacs suse cecsschededecceensevnacessteddecvensceshedsacvectlesenssncuedgestensetcdedssdtebadeseeesassege 82 5 45 Search for existing Bank Clerks o A A A a dass 82 5 4 0 Show Bank Clerk Details a do ed de eee dt del 83 5 4 7 Create a New Bank Authorisation Card rnnrvrrronvnrrnnrnvnrnnnrrrnonnvnrrnnnnrrrnnvnrrrrnnrnrrnrsnnrsrsnnnnrsssnrersnnnrsssnnrnnssssnnrsrsnnnesssnnnssne 83 5 4 8 Show Bank Authorisation Card Details ooooonnooconincccnnonoccnnnononnccnnnnnnonnnnncnnn nn nr cnn nn rr nano nr nano nr non n rn ron nn nr nn cnn
106. ss Replaceme Neither RESTRICTED Y This status cannot be updated nt manually These values are automatically set on the Expiry date of the card This card can be replaced DEACTIVAT Y On the deactivation date expiry ED date offset the card is automatically deactivated This card can be replaced e Table 6 1 Customer card replacement criteria If the Card Status is DEACTIVATED or RESTRICTED USE and Status Reason is not ALERT or RETURNED and List Status is not Red Listed then Replace button will be enabled Else the Replace button will be disabled Status reason indicates that the card is suspected to be faked In this case a replacement can not be allowed e Note that on the date of expiry of the customer card the card status is automatically set to RESTRICTED USE and the Status reason is set to REPLACEMENT The card can be replaced e After the deactivation date the card status is automatically set to DEACTIVATED and the card can no longer be replaced e If Replace button is enabled press the button e An alert appears asking for replacing the selected Card If Yes the system replaces the Card and a New Card is added with same Card Service as the original card and the cursor goesto the New replaced Card After that an information comes in the console window stating the Original Card and the Replaced Card Nos The Replace button is disabled e If acard is replaced the
107. st installation of all STARCOIN keys is an automated process When setting up the database one instance of every key is installed Further instances of the top level keys KGG_SYSTEM KGG_CARDS KGG_EXPIR Y can be added the related KM_GENs KMs will be generated then automatically right after The only data which can be entered manually are Version and Expiry Date all other data are set automatically at key Installation process After installation of the first set of keys at least four additional instances of KGG_CARDS must be added because the customers cards are personalised with five versions of all payment related keys This allows later a convenient version change for all cards in the field by just updating the terminal card keys 2 3 2 1 Install LMK Install LMK installs a new LMK and one instance of the top level keys and related high level keys This process is only required on new system installation If the HSM has been replaced for any reason the LMK must be restored 1 2 3 4 5 STARCOIN C amp A User Manual Select LMK of the Key Hierarchy Press Ok to get a new screen containing Version and Expiry Date Enter Expiry date for subsequent automatic generation of Top and High Level keys Press Ok the HSM state is displayed Press Ok to install a new LMK Key or press Cancel to return to the previous y or p Pp screen Follow the instructi
108. st of Pools shown in List of values searchable fields are in Yellow legend Wildcarding may be used in both of the fields On selection of desired Pool press OK button Pool Id and Pool Name will be displayed on the screen e Press Execute button to retrieve the record from the database At this stage Up Down Query Clear Save amp Close buttons are enabled e Use Up and Down arrow keys to navigate between Pool records STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 73 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL 5 2 4 Page 74 of 107 e Do necessary modifications in Pool Name Bank Id Pool A c No field if required e Press Save button to save the updated record in the database Note that changing Bank Id and Pool A c No will affect the settlement Query Pool Displays the actual pool data as related bank and account the pool id and especially the pool balances e Press Query button The cursor will be at Pool Id e Either Enter data in Pool Id or in Pool Name field to fetch anexisting record e Pool Id To be entered in Hex Maximum Length 4 e OR Press Search button to get a list of Pools shown in List of values searchable fields are in Yellow legend Wildcarding may be used in both of the fields On selection of desired Pool press OK button Pool I
109. stem to the settlement bank Way of export 1 Key Card PIN Mailer if required Recipient Settlement bank for checking MAC hash value and decrypt the settlement data To export the key e System Settlement data securing keys e Select either Card or File for mode of saving keys e Enter a valid File Name if File option is chosen the key stored then on a disk e HSM Board Status displayed e Press Ok to export keys If Card option has been chosen the encrypted keys will be saved in the key card please follow the instructions on the screen asking you to enter key card and PIN If File option is chosen for mode of saving keys the encrypted keys will be saved in a file having the entered file name as itsname After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called Personalisation Data Securing Keys These keys secure thedata sent from the C amp A system to Personalisation software either at the C amp Assystem provider or the issuing bank Way of export 1 Key Card PIN Mailer if required Recipient Customer card Personalisation instance to decrypt and validate the received personalisation data To export the key e System gt Personalisation data securing keys e Select either Card or File for mode of saving keys e Enter a valid File Name if File option is chosen the key
110. stored then on a disk e HSM Board Status displayed STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration e Press Ok to export keys If Card option has been chosen the encrypted keys will be saved in the key card please follow the instructions on the screen asking you to enter key card and PIN If File option is chosen for mode of saving keys the encrypted keys will be saved in a file having the entered file name as its name After successful export Ok button gets disabled Press Cancel to come back to the Main screen from where it has been called 2 12 12 Card Register Create Keys These keys are exported from STRACOIN C amp A database to authorise the Service Provider to generate new data structures Please note that this application generation feature is only available for specific customers cards with free memory Way of export 1 Key Card PIN Mailer if required Recipient STARCOIN Service Provider which gets authorisation to generate new data structures To export the key e System Export Keys Card Register Create Keys e HSM Board Status displayed e Press Ok to export key The key components will be saved in key cards please follow the instructions on the screen asking you to enter sequentially key cards and PINS 6 After successful export or failure Ok button gets disabled e Press Cancel
111. t modify the Pool Information Else e You can open the Pool Master Entry screen by pressing Details button of Bank Pool block and modify Pool Name Bank Id Pool A c No field if required If Pool Bank Id and Pool A c No fields are empty then press New button of Bank Pool block to open Pool Master Entry screen e In Pool Master Entry screen insert Bank Id and Pool A c No fields e Press Save button On proper validation the Pool record will be updated e Press Close button and control comes back to Pool Bank Details form e Pool Bank Id and Pool A c No fields of block Bank Pool will show the modified Pool information e Since the Pool s Bank is automatically attached to the Pool Bank block will show the attached Bank information e At this stage PoolBank of block Bank Pool Pard Attach buttons are enabled Show Bank Information in Details Press PoolBank of block Bank Pool button to open Bank Master Entry screen to show Pool s Bank record but cannot modify Bank Information Press Details of block Bank button to open Bank Master Entry screen to show the attached Bank s information in details but cannot modify the Bank record Manufacturer Maintenance This functionality allows to maintain terminal manufacturers in the system All relevant
112. t up Introduction Access Path System gt Set up gt Sys Init Before working with the STARCOIN C amp A System some basic data must be entered defining general data elements used by various processes of the C amp A System Depending upon the requirement of these data in different functionalities and system components these initialisation data are categorised into seven groups The input screen is organised seven tabs corresponding to the groups All the mandatory fields in all the seven tabs has to be entered Saving of these data is allowed only if all the mandatory fields are entered So either you can enter all the mandatory data elements in all the tabs of the sysinit screen or you enter none The six groups sysinit data elements are STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration e ICC Param eters Data valid for all customers cards e ICC ISO Param eters Data elements controlling the usage of the Debit POS function of a card e Settlement Bank Settlement bank data e Service Charges Definition of the service charge schemes e TK Param eters Data valid for all terminal cards e CA Provider C amp A system provider data e Redlist Params System Redlist Parameters Navigation e Press Clear button to clear all the fields of the particular tab in which the cursor is situated if incorrect entry is made If any change
113. teniaaVenteeebdevead codes 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 5 of 107 Version 2 0 0 Revision 15 04 99 1 Introduction 1 1 1 1 2 Page 6 of 107 FINAL CONFIDENTIAL Introduction Congratulations on your purchase of a STARCOIN Payment System The STARCOIN system is primarily perceived to introduce an Electronic Purse Cheque system and on line off line Debit POS payment services for the customers Information on various transactions like loading unloading of customer card and uploading of purchase transactions are being handled by the system It also deals with clearance settlement of customer and merchant transactions The system takes care of issuance replacement updating of Customer Merchant cards These data are maintained in a database This application generates a set of reports to facilitate thewusers with relevant information Purpose This manual is intended to provide information of the STARCOIN Clearing amp Administration system C amp A System about the features and capabilities of the system to enable the user to efficiently operate wath it It also guides the User System Administrator to a successful installation of the software Scope The system scope includes the following functionality e System Processes One of the main subprocess of this process is the system Set up process The system Set up process includes e The set up of the system security keys o
114. th maximum length 5 e Once a valid UCT version is entered the contents of the UCT file will appear on Description field User can edit the contents by pressing the Edit button e Press Search button A list of values will appear containing Operator Id Cluster Id and Terminal Id Press OK button to retrieve the selected one e Press Start button A new update command will be generated for the user defined choice e Press Description button to view the description of the update command Please note that this view is Read Only e Press Delete Flag check box for a particular command System will ask for user s confirmation before the operation On positive response the selected command will be marked as deleted there after The System Date will appear as Deactivated Date Please note that user can not undelete any of the deleted commands 4 5 Remarks to update management The validation of a successful update is done by the update confirmation an a information in the transfer dataundicating that an update has been executed in the terminal card If an error occurred the update will be repeated Handling several waiting updates If several updates must be processed e g load a new key generation the process logic will update the terminal cards according to their specific requirements and the terminal selection given for each update command Updates are generated sequentially a
115. the Maximum Limit and the Minimum limit the service charge is a percentage of the transacted amount STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 41 of 107 Version 2 0 0 Revision 15 04 99 2 System Setup and administration FINAL CONFIDENTIAL Page 42 of 107 3 Maximum Charge If the transaction amount is above the Minimum Limit the defined charge is raised Eight different charging schemes are possible Min 0 Min 0 Min 0 Min 0 Rate 0 2 Rate 0 3 Rate x 4 Rate x Max 0 Max n Max 0 Max n Charge Charge Charge Charge Charge Charge Charge Charge Tx Amount Tx Amount Tx Amount Tx Amount eFig 2 1 Charging schemes Please be aware that for IEP purchase only charging scheme 3 will return reasonable values because only the cumulated pool sums are returned from the merchant terminal for settlement The amount of each IEP purchase transaction can not be compared toa minimum or maximum limit The following services of the C amp A System can be charged Unload to Account The full or partial balance of an electronic purse cheque is debited from the card and eredited to the cardholders account at a BST Unload to Cash The full or partial balance of an electronic purse cheque is debited from the card and given to the cardholder in cash at a BST Load From Account The customers card is loaded from account of the cardholder at a BST Load From Cash The customers card is loaded by cash g
116. the number of transactions for larger implementations increases gt 100 000 cards this value can be reduced but then the STARCOIN accounting feature is ot more available for el purse transactions and can never be reactivated again Number ranging from 0 to 255 Signature Check by Terminal Card RFU Indicates if a terminal card must check certain cards please enter 00 Number ranging from 0 to 100 Please Note The switching ON and OFF of accounting depends on two System Initialisation parameters viz Transaction Recording Limit and Transaction STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Recording Ratio If either of these two fields is changed from 0 and 255 the accounting process is switched off Once the recording is stopped then it is not allowed to revert back i e if Transaction Recording Limit is modified to non zero or Transaction Recording Ratio is made less than 255 then though they are allowed to revert back to 0 and 255 respectively but the recording of IEP transaction balance will still remain disabled 2 4 7 CA Provider To receive the service charge for clearing and administration process the C amp A system provider holds a service charge account at a bank where all charges are settled This bank is entered as a participating bank in the C amp A system and canbe v
117. the overview of card status Reason NULL Bank C amp A Re Lost Defect Re Alert Status request superv turned Stolen placed e ales a al a A T AA acre x __ mor h khkel sero h kw hoho a pracnvatep k fr fre xR x fr e Table 6 7 Card Status Overview Page 104 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process Please note As to be seen in the table above card state is set by a certain process data entry NEW Personalisation ACTIVE or manually by an authorised user The respective list states is set accordingly by the C amp A system or can be set manually Coding of list status eo R Red listed at the discretion of the system provider manually e R Red listed automatically Status Reason overview e Alert Card is suspected known to be faked or able to corrupt the system in any way e Bank request Request of the issuing bank by phone fax letter to set a card to state locked e C amp A supervisor The C amp A supervisor may set a card to certain state if it seems necessary from security or system point of view e g card suspected to be faked e Defect The customer reports a defect of his card to the issuing bank which informs the C amp A system and sends the card there for testing e Lost Stolen The customer reports a loss or theft of his card to t
118. then the Manufacturer is ready for deletion Press the Save button to confirm deletion 5 7 3 Update an Existing Manufacturer Record ed Press Query button The cursor will be at Manufacturer Id e Hither Enter data in Manufacturer Id or in Manufacturer Name field to fetch an existing record e OR Press Search button to get a list of Manufacturers shown in List of values Searchable fields are in Yellow legend Wildcarding may be used in both of the fields On selection of desired Manufacturer press OK button Manufacturer Id and Manufacturer Name will be displayed on the screen e Press Execute button to retrieve the record from the database At this stage Up Down Query Clear Save amp Close buttons are enabled e Use Up and Down arrow keys to navigate between Manufacturer records STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 89 of 107 Version 2 0 0 Revision 15 04 99 5 Master Maintenance FINAL CONFIDENTIAL e Do necessary modifications in of the enterable fields e Press Save button to save the updated record in the database Page 90 of 107 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 6 Customer and Customer Card Handling Process 6 6 1 Customer and Customer Card Handling Process Introduction This process deals with Issue and Replacement of Customer Card
119. to Pool Bank Details form Now Bank Pool block of the screen shows the Pool information of the newly generated Pool and all the fields are greyed out At this stage the Details button of Bank Pool block is enabled if Pool Bank Id and Pool A c No fields are blank then Remove and Attach buttons are STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 5 Master Maintenance 5 6 2 5 6 3 5 6 4 5 6 5 STARCOIN C amp A User Manual disabled Press the Details button to go to the Pool entry screen and enter the Pool Bank Id and Pool A c No Press Save and close the screen to return to the Pool Bank screen The pool holding bank is automatically attached to the pool If there are free banks in the system not attached to any pool than Attach and Remove buttons are enabled Select a Particular Pool Press Search button A list of values showing all undeleted Pools not attached to any Bank will pop up Select a particular Pool and press Ok Pool Id and Pool Name will be displayed on the respective fields of the screen If the selected Pool has valid Pool Bank Id and Pool A c No then Details of Bank Pool block PoolBank and Attach buttons are enabled If the selected Pool has Bank s attached to it or the Pool hasa valid Pool s Bank then R
120. tomer Details scre en where you have to enter the following fields e Bank Customer Id This identifier is bank specific and allows to identify the customers transactions in the bank even if no other data of the customer are known to the C amp A System Characters with maximum length 20 mandatory e Title e g Mr Mrs Company Characters with maximum length 30 Not mandatory e Name Familymame of the customer Characters with maximum length 30 Not mandatory e First name Characters with maximum length 30 Not mandatory e Bank A c No Bank account number of the customer according to national international standards where all account related transactions are debited or credited If no bank account number is given the booking of transaction amount to from the account must be done via the Bank Customer Id Number of maximum length 20 Mandatory e Date of Birth Date in DD MM Y Y Y Y format Not mandatory STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 93 of 107 Version 2 0 0 Revision 15 04 99 6 Customer and Customer Card Handling Process FINAL CONFIDENTIAL 6 2 3 6 2 3 1 6 2 3 2 Page 94 of 107 e Street Characters with maximum length 30 Not mandatory e City Characters with maximum length 30 Not mandatory e ZIP Code Characters with maximum length 30 Not mandatory e Country Characters with maximum length 30 Not mandatory e Telephone Characters with maximum lengt
121. tory Fax of C amp A service provider Characters with maximum length 30 Not mandatory Contact Person C amp A System administrator Characters with maximum length 30 Not mandatory Sector Id RFU Optional Bank group the C amp A provider belongs to Number ranging 1 99 Not mandatory Redlist Params FINAL CONFIDENTIAL To generate Redlist data for Customer Card and transferring Redlist information to Terminal card System Redlist parameters must be entered here Update Depth RFU Update depth is a number either given as default or can be modified by the User If Update depth is Zero then Complete List would be sent Default Update depth is 3 If difference of Red Number and Terminal Card RedNumber is greater than default Update Depth then complete redlist must be sent RFU Currently only complete redlists are sent Number ranging from 0 to 999 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration 2 5 2 5 1 STARCOIN C amp A User Manual Generation Period It is basically the mode of generation of Redlist data If the value given is 1 this means Redlist Data must be generated once a day Number ranging from 1 to 999 Valid Interval The number of days up to which the generated Redlist is valid If the value given is 13 it means from the start date the Redlist information is valid for 13 day
122. tus displayed e Press Ok to export transport key The key components will be saved in key cards please follow the instructions on the sereen asking you to enter sequentially key cards and PINs e After successful export or failure OK button gets disabled e Press Cancel to come back to the Main screen from where it has been called TK Personalisation keys These keys are the initial terminal card Personalisation keys They are replaced by the first Personalisation command The terminal card Personalisation keys secure the Personalisation process Way of export 1 Key Card PIN Mailer if required Recipient G amp D initialising them on the terminal cards To export the key e System Export Keys gt Initialised Keys gt TK Personalisation STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration Select either Card or File for mode of saving keys Enter a valid File Name if File option is chosen the key stored then on a disk HSM Board Status displayed Press Ok to export keys If Card option has been chosen the encrypted key will be saved in the key card please follow the instructions on the screen asking you to enter key card and PIN If File option is chosen for mode of saving keys the encrypted keys will be saved in a file having the entered file name as its name After successful exp
123. vation Date Dependency Key is either version dependent or expiry date dependent Hierarchy Keys in the system e g KMyGEN Generation key KM Master Key Both keys belong to the group of High Level Keys Cryptography I Single DES key 8 byte or double DES key 16 byte Card Relation Indicates if this key is a terminal card or customers card related key Cryptography II Version dependent keys Key is a DES or RSA key Expiry date dependent keys Key is related to a STARCOS function or other payment Volume I of 11 26 04 99 Page 23 of 107 2 System Setup and administration FINAL CONFIDENTIAL 2 3 2 Page 24 of 107 Purpose Relation Card related key or system related key e Please note that the STARCOIN C amp A System is designed in a way that NO key appears ever in readable form You can only view the above mentioned data or with certain tools the key s encrypted form in the database Install New Key Install New Key provides three options e Install LMK e Install Top Level Key e Install High Level Key Installing a LMK as new key requires that the HSM should be set to factory settings and the firmware loaded in the HSM i e the LMK status should be NEW e Please note Loading the appropriate STARCOIN specific HSM software can only be done by G amp D and the HSM must therefor be sent to G amp D The process automatically installssanewLMK and one instance of the three top level keys KGG_CARDS KGG_SYSTEM
124. vel Bold FE Italic Texts oo E Enterable Fields 10 Bold Blue e Table 1 3 Writing Style Menu Bar Colour Codes Following types of colour codes have been used in the screen layout of the STARCOIN Menus e Screen Legends For Mandatory Fields Black e Screen Legends For Optional Fields Blue e Screen Legends For Searchable Fields Yellow e Screen Legends For System Generated Fields Dark Red Date Format There ismo Date format provided in the application Oracle default date format DD MM YY YY have been used throughout the application STARCOIN C amp A User Manual Volume I of 11 26 04 99 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 1 8 3 Menu Hierarchy The menu structure is as follows System Setup G D Prototype Test System Clearing T Customer Masters Administration Export Keys 1 Introduction Terminal Personalisation Redlist Management Terminal Card Update Log Out STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Exit Setup Key Management System Init Administration gt Role Item Export Keys Redlist Management Volume I of 11 26 04 99 User Change Password gt Archive Purge Database View Print System Log Purge System Log Transport Key Encryption Key ICC Personalisation Keys TK Personalisation Keys gt Transfer Card Personalisation Keys Settl
125. vide the same functionality then the Debit POS ones but are completely independent configurable Please refer to the descriptions above for detailed information of the fields meaning and parameterisation The Threshold value is not existing for ATMs Settlement Bank The following fields must be entered Bank Name Name of the settlement bank Characters with maximum length 30 Bank BIN Bank Identification number according to the national international standards Number ranging from 1 to 999999999999999 Bank A c No Bank account number for information reasons only according to the national international standards Number ranging from 1 to 99999999999999999999 Street Characters with maximum length 30 City Characters with maximum length 30 ZIP Code Characters with maximum length 30 STARCOIN C amp A User Manual Volume I of 11 26 04 99 Page 38 of 107 Version 2 0 0 Revision 15 04 99 FINAL CONFIDENTIAL 2 System Setup and administration STARCOIN C amp A User Manual Version 2 0 0 Revision 15 04 99 Country Characters with maximum length 30 Telephone Characters with maximum length 30 Fax Characters with maximum length 30 Contact Person Characters with maximum length 30 Mode of Settlement There are two modes of settlement Manual and Automatic Manual settlement means that the Debit Advice and Settlement Advice can be started manually If

STARCOIN C&A User Manual Volume I of II

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STARCOIN C&amp;A User Manual Volume I of II

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STARCOIN C&A User Manual Volume I of II