ANSI X9.104-1-2004 pdf download Financial transaction card originated messages – Card acceptor to acquiring host messages Part 1: Messages, data elements and code values
1 Scope
This part of X9.104 defines a common interface for the exchange of information between point of sale systems or terminal devices located in a retail establishment and the acquiring host transaction processing system(s). This part of X9.104 is applicable to all aspects of payment processing required by these retail facilities, including the reporting of specific products that are part of a purchase. The standard defines a sufficient number of message types and data elements to facilitate the exchange of all necessary information related to: (1) payment transactions originated by point of sale systems or terminal devices, and (2) automated control of the systems and devices.
This part of X9.104 identifies the expected capabilities of the processing environment in exchanges between the card acceptor POS system/device (terminal) and the acquiring host and subsequent processing as defined in ISO 8583 between the acquiring host and the issuing host. These capabilities are required to properly process the messages defined in this part of X9.104.
ISO 8583 defines the types of messages, the flow of each type of message and the basic content of each message. The sequence of message exchanges is described for all classes of messages. This part of X9.104 provides the definition of additional message content for control of messages between the card acceptor and the acquiring host and for information required by the retail community in general.
This part of X9.104 defines the specific use and additional values of many data elements in the message formats contained in ISO 8583. It also defines changes to ISO 8583 to accommodate the card acceptor to acquiring host environment. Certain auxiliary functions, such as the handling of chargebacks and multiple currency settlement actions, are supported by ISO 8583, but are not included in this part of X9.104. (See 5, Environment). Communication-related characteristics, such as protocol, header and trailer information and transmission control, are outside the scope of this part of X9.104. Security techniques that may be utilized for the protection of data contained in the messages are also outside the scope of this part of X9.104.
2 Normative references
The following referenced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated references, the latest edition of the referenced document (including any amendments) applies.