Visa User Manual

Pemco Visa Processing System
Pemco Visa Processing System- Page 1 of 133 2005 Pemco Technologies Rev.1105
Chapter 1 Welcome to Pemco ........................................................................................................................................................... 1

Pemco Products and Services ..................................................................................................................................................................1 Funds Management.................................................................................................................................................................................1 Settlement Processing.............................................................................................................................................................................1 Authorization Processing..........................................................................................................................................................................1 Card/PIN Issuance and Processing...........................................................................................................................................................1 Automated 24-Hour Lost/Stolen Card Service.............................................................................................................................................1 Chargeback Processing ...........................................................................................................................................................................1 Fraud Deterrence and Reporting ...............................................................................................................................................................1 Card Design and Production.....................................................................................................................................................................1 Pemco Contact Information .....................................................................................................................................................................2 Pemco Technlogies Card Processing Agreement ........................................................................................................................................2
Chapter 2 Funds Management and Settlement Processing ....................................................................................................... 3

Overview...............................................................................................................................................................................................3 Funds Management.................................................................................................................................................................................3 Funding Methods ....................................................................................................................................................................................3 Funding Method Time-Frame Procedures ....................................................................................................................................................3 Settlement Processing.............................................................................................................................................................................3 Incoming and Outgoing Items Procedures ..................................................................................................................................................3 General Ledger.......................................................................................................................................................................................3 Training Topics .......................................................................................................................................................................................4 Daily Balancing ......................................................................................................................................................................................4 Balancing Hints ......................................................................................................................................................................................4 Pemco Reports and Descriptions ..............................................................................................................................................................4 Daily Settlement Report ..........................................................................................................................................................................4 Incoming/Outgoing Interchange BIN Report................................................................................................................................................5 Month-to-date Interchange Summary Report (Monthly & Daily) .....................................................................................................................7 Monthly Invoice......................................................................................................................................................................................8 Visa Transaction Detail Report................................................................................................................................................................ 10 Visa Exception Items Report .................................................................................................................................................................. 11 Visa Quarterly Operating Certificates Q1 - Credit Cards ............................................................................................................................. 13 Visa Quarterly Operating Certificates Q2 - Debit Cards .............................................................................................................................. 14 Administration Month-to-Date Statistics.................................................................................................................................................... 16
Chapter 3 Card and PIN Issuance.................................................................................................................................................... 21

Overview............................................................................................................................................................................................. 21 Card/PIN Issuance Procedures............................................................................................................................................................... 21 Data Transmission ................................................................................................................................................................................ 21 Magnetic Tape...................................................................................................................................................................................... 21 Online Card/PIN Issue........................................................................................................................................................................... 21 Fax ..................................................................................................................................................................................................... 21 Card/PIN Maintenance Procedures for Card Base Customers..................................................................................................................... 21 Card Expiration Report/Card Issue Name and Address Report.................................................................................................................... 21 Card/PIN Maintenance Procedures for Non-Card Base Customers .............................................................................................................. 22 Reissue Expiration Date Procedures........................................................................................................................................................ 22 Reissues: Card Base Users ................................................................................................................................................................... 22 Non-Card Base Users ........................................................................................................................................................................... 22 Standard Card/PIN Issue Schedule ......................................................................................................................................................... 22 Priority File Card/PIN Issuance Procedures.............................................................................................................................................. 22 Rush Card/PIN Issuance Procedures ...................................................................................................................................................... 22 Card/PIN Issue Request Form ............................................................................................................................................................... 22 Inventories and Supplies........................................................................................................................................................................ 23 Oberthur Card Systems for card/PIN production....................................................................................................................................... 23 Inserts ................................................................................................................................................................................................ 23 Insert Specifications ............................................................................................................................................................................. 23 Shipments ........................................................................................................................................................................................... 23 Envelopes, Cards, PIN Mailers ............................................................................................................................................................... 23 Supply Shipments................................................................................................................................................................................. 23 Card Mailing Options ............................................................................................................................................................................. 23 Training Topics ..................................................................................................................................................................................... 24 Topic 3.1 - Card/PIN Issuance on the Pemco Processing System: .............................................................................................................. 24 Screen 7.1.1 - Pemco Visa Card/PIN Issue .............................................................................................................................................. 24 Topic 3.2 - Card/PIN Card Base Maintenance on the Pemco Processing System ........................................................................................... 25 Screen 7.1.2 - Pemco Card Base Updat e/Inquiry ...................................................................................................................................... 25 Pemco Reports and Field Descriptions .................................................................................................................................................... 25 Card/PIN Issue Report: (Figure 3.1)........................................................................................................................................................ 26 Card Expiration Report: (Figure 3.2) ........................................................................................................................................................ 27 Card Issue Name and Address Report: (Figure 3.3)................................................................................................................................... 28 Card Issue Name and Address Report Key: (Figure 3.3)............................................................................................................................ 28 Pemco/Oberthur Inventory Supply Report: (Figure 3.4).............................................................................................................................. 29 Card/PIN Issuance Audit ....................................................................................................................................................................... 30
Chapter 4 Authorizations ................................................................................................................................................................. 31

Overview............................................................................................................................................................................................. 31 Authorization Processing ........................................................................................................................................................................ 31 Positive File......................................................................................................................................................................................... 31 Negative File ....................................................................................................................................................................................... 31 Online Authorization (VPN) ..................................................................................................................................................................... 31 Action Codes ....................................................................................................................................................................................... 31 Pemco Products and Services ................................................................................................................................................................ 32 Authorization File Maintenance................................................................................................................................................................ 32 Positive File......................................................................................................................................................................................... 32 Negative File ....................................................................................................................................................................................... 32 Online Authorizations ............................................................................................................................................................................. 32 Training Topics ..................................................................................................................................................................................... 33 Topic 4.1 Viewing an Authorization ........................................................................................................................................................ 33 Topic 4.1 PowerLink Visa Authorization Inquiry Screen (1.1.1)................................................................................................................... 33 Topic 4.1 - PowerLink Visa Authorization Inquiry Screen (1.1.1) ................................................................................................................... 34 Topic 4.1 - PowerLink Visa Authorization Positive Limits File Screen (1.1.3) .................................................................................................. 35 Topic 4.2. Updating an available balance............................................................................................................................................. 35 Topic 4.2 To block an account:............................................................................................................................................................. 35 Topic 4.3 - PowerLink Visa Authorization Request Screen (1.1.6) ................................................................................................................. 36 Topic 4.3 To perform an authorization/reversal ....................................................................................................................................... 36 Pemco Reports and Field Descriptions .................................................................................................................................................... 36 Positive File Maintenance Listing Exception Report (Figure 4.1) .................................................................................................................. 37 VisaNet Exception File Online Maintenance Journal (Figure 4.2) .................................................................................................................. 38 Positive Limits Online Maintenance Journal (Figure 4.3) ............................................................................................................................. 39 Authorization Listing Report: (Figure 4.4).................................................................................................................................................. 39
Chapter 5 Lost and Stolen Cards.................................................................................................................................................... 41

Overview............................................................................................................................................................................................. 41 Blocking a Card .................................................................................................................................................................................... 41 Using the Automated Lost/Stolen Service................................................................................................................................................ 41 Automated Lost/Stolen System Menu...................................................................................................................................................... 41 Updating the VisaNet Exception File........................................................................................................................................................ 42 Updating the Card Recovery Bulletin (CRB)............................................................................................................................................. 42 Additional Lost/Stolen Information........................................................................................................................................................... 42 Merchant Rewards ................................................................................................................................................................................ 42 Report Retention .................................................................................................................................................................................. 42 Maintenance History Screen................................................................................................................................................................... 42 Training Topics ..................................................................................................................................................................................... 43 Topic 5.1 Blocking Accounts on the Positive Balance File via Pemco........................................................................................................ 43 Topic 5.1 - PowerLink Visa Authorization Positive File (1.1.3 Screen)............................................................................................................ 43 Topic 5.2 Inquiring on the VisaNet Exception File..................................................................................................................................... 44 Topic 5.2 - PowerLink Visanet Exception File (1.1.7 Screen)........................................................................................................................ 44 Topic 5.3 - Pemco Visa Account Maintenance History (1.5) ........................................................................................................................ 45 Pemco Reports and Field Descriptions .................................................................................................................................................... 46 Figure 5.1 - Accounts Reported Lost of Stolen by VRU (677R1) ................................................................................................................. 46 Figure 5.2 - Positive Limits Online Maintenance Journal (021R1) ................................................................................................................. 48 Figure 5.3 - Exception File Online Maintenance (023R1) ............................................................................................................................. 49
Chapter 6 Back-Office Functions..................................................................................................................................................... 50

Overview............................................................................................................................................................................................. 50 Requesting a Draft Copy ....................................................................................................................................................................... 50 Entry Rejects....................................................................................................................................................................................... 50 Visa Draft-Retrieval Time Frames ........................................................................................................................................................... 50 Receipt of Copy Requests .................................................................................................................................................................... 50 When Pemco Processes your Chargeback............................................................................................................................................... 50 Financial Institution Processes Chargebacks............................................................................................................................................ 50 Chargeback Process ............................................................................................................................................................................. 51 Second Presentment ............................................................................................................................................................................. 51 Pre-Arbitration ...................................................................................................................................................................................... 51 Arbitration ............................................................................................................................................................................................ 51 Chargeback Time Frames ...................................................................................................................................................................... 51 Supporting Documentation ..................................................................................................................................................................... 51 Additional Chargeback Information.......................................................................................................................................................... 51 Transaction Reversal Procedures............................................................................................................................................................ 51 Fee Collection/Funds Disbursement Procedures ....................................................................................................................................... 51 Cash Advance Procedures ..................................................................................................................................................................... 52 Training Topics ..................................................................................................................................................................................... 53 Topic 6.1 Requesting a Copy Request on Pemco.................................................................................................................................... 53 Topic 6.1 -PowerLink Visa Settlement Retrieval Request Transaction Screen (1.2.3) ...................................................................................... 53 Topic 6.2 - How to Initiate a Draft Retrieval Request:................................................................................................................................ 54 Topic 6.2 - PowerLink Visa Settlement Chargeback/Chargeback Reversal Screen (1.2.2)................................................................................ 55 Topic 6.3 - Initiate a Fee Collection or Funds Disbursement........................................................................................................................ 57 Topic 6.3 - PowerLink Visa Settlement Initiate Fee Collection Screen (1.2.4) ................................................................................................. 57
Topic 6.4 Authorize and Settle a Cash Advance...................................................................................................................................... 58 Topic 6.4 - PowerLink Visa Authorization Request Screen (1.1.6) ................................................................................................................. 58 Topic 6.4 - PowerLink Visa Settlement Initiate Cash Advance Transaction Screen (1.2.5)................................................................................ 58 Pemco Reports and Field Descriptions .................................................................................................................................................... 59 Figure 6.2 - Visa Dispute Tracking Alert Report (2A) .................................................................................................................................. 59 Figure 6.3 - Visa Dispute Daily Tracking Report (2B) ................................................................................................................................. 60 Figure 6.4 - VisaNet Edit Package Report (108R2) .................................................................................................................................... 61 Figure 6.5 - Data Capture Report (112) .................................................................................................................................................... 62
Chapter 7 Fraud Control and Reporting......................................................................................................................................... 63

Overview............................................................................................................................................................................................. 63 Fraud Deterrence.................................................................................................................................................................................. 63 Card Activation .................................................................................................................................................................................... 63 Activating a Card using the Pemco Screens ............................................................................................................................................. 63 CVV.................................................................................................................................................................................................... 64 CVV2 .................................................................................................................................................................................................. 64 PRISM ................................................................................................................................................................................................ 64 CRIS .................................................................................................................................................................................................. 64 Risk Reports........................................................................................................................................................................................ 64 ICS..................................................................................................................................................................................................... 64 Accessing the ICS Database.................................................................................................................................................................. 65 Fraud Reporting.................................................................................................................................................................................... 65 Expiration Date Matching ....................................................................................................................................................................... 65 BIN Limits ........................................................................................................................................................................................... 65 Training Topics ..................................................................................................................................................................................... 66 Topic 7.1 - Visa Card Activation Screen (7.1.5)......................................................................................................................................... 66 Topic 7.2 - Visa Settlement Initiate Fraud Advice Screen (1.2.7).................................................................................................................. 67 Pemco Fraud Reports ........................................................................................................................................................................... 68 Figure 7.1 - Visa ICS Report .................................................................................................................................................................. 69 Figure 7.2 - Invalid Expiration Date, Declined Authorizations, and Authorizations over $1,000.00...................................................................... 70 Figure 7.3 - Excessive Usage 5 or more Transactions ............................................................................................................................... 73 Figure 7.4 - Track-1/Positive Balance Name Mismatch............................................................................................................................... 74 Figure 7.5 - Authorizations for $1.00 or Less............................................................................................................................................. 75 Figure 7.6 - Authorizations with CVV Failures ............................................................................................................................................ 76 Figure 7.7 - Auths of $1.00 or Less Followed by 3 or More Auths ................................................................................................................ 77 Figure 7.8 - CRB Region Exception File ................................................................................................................................................... 78 Figure 7.9 - Foreign Country Authorizations .............................................................................................................................................. 78 Figure 7.10 - Risky Merchant Authorizations ............................................................................................................................................. 79 Figure 7.11 - Foreign Country Transactions .............................................................................................................................................. 80 Figure 7.12 - Risky Transactions ............................................................................................................................................................ 81 Figure 7.13 - BIN Profile Risk Parameters................................................................................................................................................ 82
Chapter 8 Pemco Screens and Field Descriptions...................................................................................................................... 84

Overview............................................................................................................................................................................................. 84 PowerLink Main Menu Screen (0)............................................................................................................................................................. 84 Visa Menu Screen (1) ............................................................................................................................................................................ 85 Visa Authorization/Limits Menu Screen (1.1).............................................................................................................................................. 85 Visa Authorization Inquiry Screen (1.1.1).................................................................................................................................................. 86 Visa Authorization Name Search Screen (1.1.2)......................................................................................................................................... 87 Visa Authorization Positive File Screen (1.1.3) .......................................................................................................................................... 88 Visa Authorization Negative File Screen (1.1.5) ......................................................................................................................................... 89 Visa Authorization Request Screen (1.1.6)................................................................................................................................................ 90 VisaNet Exception File Screen (1.1.7)...................................................................................................................................................... 91 Visa Settlement Transactions Screen (1.2) ............................................................................................................................................... 92 Visa Settlement Chargeback/Chargeback Reversal (1.2.2)......................................................................................................................... 93 Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.A)................................................................................................................... 94 Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.B)................................................................................................................... 96 Visa Settlement Retrieval Request Transaction Screen (1.2.3).................................................................................................................... 97 Visa Settlement Select Original Transaction (1.2.3).................................................................................................................................... 98 Visa Settlement Initiate Retrieval Request Screen (1.2.3.A)........................................................................................................................ 99 Settlement Initiate Fee Collection Screen (1.2.4)..................................................................................................................................... 100 Settlement Initiate Cash Advance Transaction (1.2.5).............................................................................................................................. 101 Settlement Fraud Advice Transaction Screen (1.2.7)................................................................................................................................ 102 Visa Settlement Initiate Fraud Advice Screen (1.2.7.A) ............................................................................................................................ 103 Visa Account Maintenance History (1.5)................................................................................................................................................. 104 Transmission Activity Menu (4)............................................................................................................................................................. 106 Transmission Activity Statistics Screen (4.1).......................................................................................................................................... 107 Network Status Screen (4.2)................................................................................................................................................................. 108 Cardholder Database Menu (6).............................................................................................................................................................. 109 Cardholder Call-Back Search (6.2)......................................................................................................................................................... 111 Card/PIN Issue Menu (7) ..................................................................................................................................................................... 112 Card/PIN Issue Visa Menu (7.1)............................................................................................................................................................ 112 Visa Card/PIN Issue Screen (7.1.1):...................................................................................................................................................... 113 Card Base Visa Update/Inquiry Screen (7.1.2)........................................................................................................................................ 114
Visa Card Activation Screen (7.1.5)....................................................................................................................................................... 115 Issuers Clearinghouse Menu (8) ........................................................................................................................................................... 116 Issuers Clearinghouse Screen (8.1) ...................................................................................................................................................... 116 Issuers Clearinghouse Add Application Fraud Screen (8.2)....................................................................................................................... 118 Issuers Clearinghouse Delete Application/Fraud Screen (8.3) ................................................................................................................... 119
APPENDIX A -...................................................................................................................................................................................... 120

Powerlink/Visa Fields and Values .......................................................................................................................................................... 120 Overview........................................................................................................................................................................................... 120 Visa Field Name Definitions/Values....................................................................................................................................................... 120 Acct. Sel ........................................................................................................................................................................................... 120 Acquirer Busns ID............................................................................................................................................................................... 120 Acquirer Reference Number ................................................................................................................................................................. 120 Auth.................................................................................................................................................................................................. 120 Authorization Characteristics ................................................................................................................................................................ 120 Indicator ............................................................................................................................................................................................ 120 Authorization Response Codes ............................................................................................................................................................. 121 AVS Response Code........................................................................................................................................................................... 121 BASE Identification Number ................................................................................................................................................................. 121 Block Codes/ ..................................................................................................................................................................................... 122 VISA Action Code Conversion Table...................................................................................................................................................... 122 Card Accptr Id.................................................................................................................................................................................... 122 Cardholder Activated Terminal.............................................................................................................................................................. 122 Cardholder ID Method.......................................................................................................................................................................... 122 Chargeback Reason Codes.................................................................................................................................................................. 122 Card Recovery Bulletin Regions ........................................................................................................................................................... 122 CRB/Exception File Indicator................................................................................................................................................................ 122 Country Codes ................................................................................................................................................................................... 123 Currency Codes ................................................................................................................................................................................. 123 Documentation Indicator ...................................................................................................................................................................... 123 Dr Prod ............................................................................................................................................................................................. 123 Excl Tran ID Rsn................................................................................................................................................................................ 123 Floor Limit Indicator ............................................................................................................................................................................ 123 Intl Fee Ind ........................................................................................................................................................................................ 123 Mail/Telephone or................................................................................................................................................................................ 123 Values are: ........................................................................................................................................................................................ 123 Electronic Indicator ............................................................................................................................................................................. 123 Merchant Category Code ..................................................................................................................................................................... 124 Merchant Name.................................................................................................................................................................................. 124 Message Type Codes:......................................................................................................................................................................... 124 Multi-Clearing Seq # ............................................................................................................................................................................ 124 Orig Tran Code................................................................................................................................................................................... 124 Orig Tran MMDD................................................................................................................................................................................. 124 Orig Vic YDDD................................................................................................................................................................................... 124 PCAS Indicator................................................................................................................................................................................... 124 Pemco CCYYMMDD........................................................................................................................................................................... 124 POS Entry Mode................................................................................................................................................................................. 124 POS Terminal Capability ...................................................................................................................................................................... 124 Purch Identifier................................................................................................................................................................................... 125 Purchase Identifier.............................................................................................................................................................................. 125 Prepaid Card ...................................................................................................................................................................................... 125 Reason Codes/Chargebacks ................................................................................................................................................................ 125 Reversals.......................................................................................................................................................................................... 125
Chapter 1 Welcome to Pemco Technologies

Since 1963, Pemco has been building a reputation as a leader in the transaction processing world (Visa, Share Drafts, ACH). Our processing system is a seven-time winner of Visa USAs Processor Performance Award. Pemco provides exceptional reliability and service because we understand that that our success rests on our customers success.
Pemco Technologies Products and Services Funds Management

Funds Management is Visas requirement for the daily settlement of interchange. Each business day your financial institution provides funds to Pemco for settlement.
Settlement Processing
Incoming Settlement Processing is the process of receiving items that post directly to cardholder accounts. These items are primarily cardholder transactions completed at merchant locations or ATMs throughout the world. The reverse process is "outgoing settlement processing." These items are initiated by your institution for settlement (i.e., cash advances, chargebacks, etc).
Authorization Processing
Providing balance records by account number to Pemco allows us to respond to authorization requests that begin at the point of sale.
Card/PIN Issuance and Processing

Pemco assists you with all phases of card and PIN issuance, including card embossing, PIN generation, and mailing.
Automated 24-Hour Lost/Stolen Card Service

We employ a 24-hour phone service to assist you and your cardholders with the reporting of lost and stolen cards.
Chargeback Processing
You have the choice of performing your own chargebacks, or having Pemco perform them for you. In either case, we support you through the entire chargeback process.
Fraud Deterrence and Reporting

We employ the following fraud deterrence features : Web-based fraud/risk reports Verified by Visa Secure card activation CVV and CVV2 (Card Verification Value) PRISM (Proactive Risk Manager software, plus 24 hour monitoring) CRIS (Cardholder Risk Identification Service by Visa) Expiration date matching ICS (Issuers Clearinghouse Service) Visa Advanced Authorization
Card Design and Production

With Pemco, you have an entire graphic design department at your disposal. When its time to design or redesign the look of your card, you will have the talents of our in-house designers to ensure that the final result meets your expectations.
Pemco Technologies Contact Information

Customer service: (206) 352-3500 or toll free (800) 881-7488 (Available from 5 a.m. to 6 p.m. Pacific Time, Monday - Friday) Lost and stolen card reporting, 24/7: (800) 682-6075 Automated card activation system: (800) 411-6390 Fax: (206) 352-3501 or (206) 352-3502 Data transmission facilities: (800) 881-7488, press 2 Visa assistance center: (800) 336-8472 Pemco Technologies PO Box 91101 Seattle, WA 98111-9201 http://www.pemcotech.com customerservice@pemcotech.com Pemco Technologies 617 Eastlake Avenue East Seattle, WA 98109
Pemco Technologies Card Processing Agreement

This procedure manual is part of your processing agreement with Technology Services, Inc. You shall assume full responsibility for all transactions that occur on lost or stolen cards, provided that Pemco shall assume liability for any transactions that were requested to be blocked and were approved after Pemco had been properly notified as per procedures outlined in this manual. You shall also have all liability for transactions requiring authorization if you, the merchant, and/or any third party fails to notify Pemco as required by this manual and/or Visa Operating Regulations. It is your responsibility to review all reports, make sure all maintenance is performed properly, and advise Pemco of any possible errors. All errors and/or omissions should be brought to Pemco's attention by telephone, within ten business days of the report. Noncompliance with any procedure or policy contained in this manual may be treated as a breach of the processing agreement.
Chapter 2 Funds Management and Settlement Processing

Overview
Financial institutions are responsible for the funding and settlement of interchange on a daily basis. This is accomplished by transfer of funds and interchange files. A large part of funds management is Visa's requirement to settle each days interchange. Financial institutions are responsible for the timely delivery of funds each day.
Funds Management Funding Methods

Two funding options are available: 1. 2. Account Transfer: Establish a corporate account at US Bank. Wire Transfer: Wire funds directly to the Pemco settlement account.
Funding Method Time-Frame Procedures

Pemco sends a wire request at approximately 5:30 a.m. Pacific Time to financial institutions. Regardless of method, funds must be transferred to or collected by Pemco before 10:30 am Pacific Time.
Settlement Processing Incoming and Outgoing Items Procedures

Incoming Items received from Visa are distributed to issuing financial institutions in a settlement file. The settlement file is available in three formats; transmission, tape, or hard copy. Visa transmits the settlement information to Pemco by 6 a.m. Pacific Time each business day. The file is available shortly thereafter. Most settlement items post directly to cardholder accounts, all exception items must be researched and hand posted to the proper account or returned to the acquiring institution. It is important to verify all transactions are accounted for after posting. Verify the monetary totals from the settlement file to the posting journal to ensure you balance. Outgoing Outgoing items are all transactions entered on a daily basis on the Pemco Processing System (i.e., chargebacks, cash advances, fee collections, funds disbursements, etc). The outgoing items are submitted to Visa at 5 pm Pacific Time each business day. Most items entered on the Pemco Processing System are net-settled in that day's batch and will be seen on the next day's reports. Due to the Visa Chargeback Reduction Service, all dispute related items are settled in two days.
General Ledger
Financial Institutions should establish a variety of internal General Ledger (GL) Accounts. This develops an audit trail for Visa related transactions. Commonly used GL accounts are: GL Account Corporate Account Interchange Suspense Definition/Description Account used to fund Pemco daily settlement Transmitted items that post directly to cardholder accounts Chargeback and exception item corrections in process
Pemco Visa Processing System Page 3 of 133 2005 Pemco Technologies Rev.1105
Income Expense
Interchange income received from Visa, identified as reimbursement fees Fees paid to Pemco and Visa for card processing
Training Topics Daily Balancing

Each business day you receive the Pemco Daily Settlement Report (Figure 2.1) via PTSI Mail. This report lists the total dollar amount needed for daily settlement.
Balancing Hints
The typical daily balancing procedure is the comparison between the total debits and credits to member accounts and the totals received on the Pemco Daily Settlement Report. Some of the typical reasons for being out-of-balance are: An exception item not posting to an account (listed on the Exception Item Report, Figure 2.6) Item(s) rejected by your in-house data processor.
Pemco Technologies Reports and Descriptions

Listed below are the Pemco Reports available that pertain to Funds Management and Settlement Processing. A sample copy of each report is provided along with brief field descriptions .
Daily Settlement Report

This report lists the total funds necessary for each day's settlement. The report provides totals for incoming, outgoing, and net interchange.
FROM: POWERLINK CUSTOMER SERVICE PHONE NUMBER: (800) 881-7488 POWERLINK SETTLEMENT REPORT BIN(S): TRANSMITTED --------------------62,860.67 NOT TRANSMITTED -----------------------------0.00 NET -----------62,860.67 880.79 CR 6.06 -----------61,985.94 0.00 -------------61,985.94 ** ============ 11/25/05
INTERCHANGE REIMBURSEMENT FEES ISA FEES TOTAL INTERCHANGE OUTSTANDING CREDIT
TOTAL FUNDS DUE TO VISA FOR TODAYS SETTLEMENT: ===== *** THIS AMOUNT REPRESENTS TODAYS SETTLEMENT. A WIRE OR TRANSFER INSTRUCTIONS MUST BE RECEIVED BY U.S. BANK BY 10:30 A.M.
Field Name Report Heading Date Transmitted Not Transmitted Net
Description Who to contact with report questions Report and settlement date Total of all incoming debits and credits that post directly to cardholder accounts Total of all debits and credits that will not post directly to a cardholders account The total of all transmitted and not transmitted items
Reimbursement Fees Total Interchange Outstanding Credit
Total interchange income paid to your financial institution The sum of net interchange less reimbursement fees If your cardholders as a whole return more items than they purchase, your credit amount will be greater than the debit amount, resulting in an outstanding credit owed to you. This scenario is very unusual. Total dollar amount needed to fund today's settlement for Todays Settlement
Total Funds Due to Visa
Incoming/Outgoing Interchange BIN Report

This report gives a breakdown of the incoming and outgoing items by transaction type. A Daily Net Interchange page is also included, providing transmission summary and net settlement information. Page 1 - Incoming Interchange
ECV110R2 BIN INCOMING COUNT ----------7,395 81 12 1 26 99 INTERCHANGE AMOUNT -----------242,757.15 6,523.78 CR 4,650.00 15.00 0.00 0.00 11/25/05 PAGE 91
DESCRIPTION --------------------SALES DRAFTS CREDIT VOUCHERS CASH ADVANCES FEE COLLECTIONS GENERAL DELIVERY FREE TEXT
Page 2 - Outgoing Interchange

ECV110R2 BIN OUTGOING INTERCHANGE COUNT AMOUNT ----------------------11 2 838.12 CR 0.00 11/25/05 PAGE 92
DESCRIPTION --------------------DRAFT CHARGEBACKS REQUEST COPY
Field Name Description Count Amount Page 3 - Daily Net Interchange

ECV110R2 BIN
Definition/Description Describes the transaction type Total number of items Total dollar amount of items
11/25/05
PAGE
93
DAILY NET INTERCHANGE NET
------GROSS INTERCHANGE REIMBURSEMENT FEES CONVERSION FEES TOTAL INTERCHANGE NET INTERCHANGE
240,060.25 3,443.28 CR 42.24 236,659.21 236,659.21
DEBITS TRANSMITTED TOTAL DEBITS CREDITS TRANSMITTED TOTAL CREDITS NET AMOUNT TRANSMITTED NET INTERCHANGE
247,407.15 247,422.15 6,523.78 CR 7,361.90 CR 240,883.37 236,659.21
Field Name Gross Interchange Reimbursement Fees Conversion Fees Total Interchange Net Interchange Debits Transmitted Total Debits Credits Transmitted Total Credits Net Amount Transmitted Net Interchange
Definition/Description Total amount of the items for settlement Total amount of fees paid to you for each transaction Total amount of fees Visa assessed to your cardholders for currency conversion The sum of gross interchange, less reimbursement fees, plus conversion fees This is equal to total interchange Total of debit items transmitted to you Sum of all debit items transmitted and debit exception items Total of credit items transmitted to you Sum of all credit items transmitted and credit exception items Sum of all debits and credits The same as net interchange
Month-to-date Interchange Summary Report (Monthly & Daily)

This report lists a running total by day of the current months incoming, outgoing, and net interchange totals.
ECV311R1 VISA ADMINISTRATION MONTH-T O-DATE INTERCHANGE SUMMARY FOR THE MONTH OF 11/05 *** NET INCOMING AND OUTGOING INTERCHANGE *** DAY INCOMING OUTGOING REIMBURSMENT INTERCHANGE INTERCHANGE FEES 1 134,189.91.00 1,914.25 2 134,820.83.00 18.163 139,468.98639.75 2,034.39 4 142,998.09.00 2,111.28 7 435,735.3557.82 6,208.46 8 131,395.05.00 1,860.06 9 115,457.82.00 1,717.51 10 119,883.44278.66 1,771.79 14 549,345.7857.87 7,874.15 15 130,295.05.00 1,863.99 16 144,848.14110.13 2,169.23 17 126,469.69.00 1,860.39 18 141,160.70.00 2,098.05 21 473,733.47199.71 6,608.86 22 155,619.00.00 2,127.68 23 148,217.28193.82 2,129.19 TOTAL: 3,223,638.581,537.76 46,384.23 MTD AVG: 201,477.4196.11 2,899.01 11/23/05 04:26:05
ISA FEES 13.9718.1620.7315.5450.0738.4210.548.1343.2322.1714.1416.4212.3821.7622.6322.25350.5421.91-
NET INTERCHANGE 132,289.63 132,804.60136,815.01140,902.35429,519.14129,573.41113,750.85117,841.12541,456.99128,453.23142,582.92124,625.72139,075.03466,946.66145,916.52145,916.523,175,716.59198,482.29-
Field Name Date
Definition/Description Day of the month the report is run
Incoming Interchange business Outgoing Interchange business

Reimbursement Fees
The amount of incoming interchange posted to your BIN for that day The amount of outgoing interchange posted to your BIN for that day
The total reimbursement fees for that business day
Net Interchange calendar Total MTD Avg
The gross interchange less the reimbursement fees for the business day Monthly totals for incoming interchange, outgoing interchange, reimbursement fees, and net interchange. Month-to-date averages for incoming interchange, outgoing interchange, reimbursement fees and net interchange
Monthly Invoice
On the first business day of each month you receive an invoice for the services performed by the Pemco Processing System. On the 15th day, your account is debited via ACH for the invoice amount. If the 15th is on a weekend or holiday, the amount settles on the next business day.
RATE AUTHORIZATION PROCESSING AUTHORIZATIONS/ADVICES VISANET ACCESS FEE CRIS PROCESSING FILE MAINTENANCE PROCESSING CICS ENTERED TRANSMITTED/ELECTRONIC SETTLEMENT INCOMING ITEMS OUTGOING ITEMS BASE II VISA FEES CARD MANAGEMENT CARDS ISSUED VIA CICS ENTRY PINS ISSUED VIA CICS ENTRY CARD ACTIVATION W/O CARD PROD POSTAGE EXPENSES CUSTOMER SERVICE LOST AND STOLEN REPORTS SUPPORT FEE CHARGEBACK HANDLING FEE 0.080 0.007 0.020
COUNT 742 742 742 0.150 33,351 681 7 0.003 0.550 10 9 14 12
AMOUNT 59.36 5.19 14.84 1.80 166.76 54.48 7.00 633 7.70 3.00 6.75 22.20 8.00 1 0 150.00 50.00 MIN ================= 558.98 **
0.005 0.080 1.000
1.90
0.300 0.750
8.000
1 150.000 15.000
GRAND TOTAL ** THIS AMOUNT WILL BE COLLECTED VIA ACH BY MID-MONTH.
Name
Definition/Description
Authorization Processing: Authorization/Advices advices VisaNet Access Fee Verified by Visa (VbV) PRISM Processing Authorizations performed by the Pemco Processing System and sent by Visa Per authorization fee charged by Visa for VisaNet access Authorization fee charged per Vbv authentication Authorization fee charged for PRISM authorization monitoring per transaction
File Maintenance Processing: CICS Entered Account maintenance performed by dial-up to the Pemco Processing System Account maintenance performed by transmission or tape
Transmitted/Electronic Settlement: Incoming Items Outgoing Items
Charges for incoming items Charges for outgoing items

Base II Visa Fees Card Management: Cards Issued by CICS Entry Cards Issued by Transmission Cards Issued Special Handling PINs Issued by CICS Entry PINs Issued by Transmission Card Activation Attempts Postage Expenses Overnight Delivery Expense Customer Service: Lost and Stolen Reports service Support Fee Chargeback Handling Fee Copy Requests PRISM Alerts Fee Card Activation Labels Settlement Funding
Fee charged by Visa for each incoming sales draft
Manual online entry to issue cards Cards issued through periodic transmissions Cards receiving special handling Manual online entry to issue PINs PINs issued through periodic transmission Card activation charge per attempt Actual expense for mailing cards/PINs Express mail delivery fees
Per occurrence charge for use of the lost/stolen reporting
Customer Service and Online support fee Chargeback processing performed by Pemco staff Visa copy requests performed by Pemco staff Fraudulent Account notification due to a PRISM alert Cost per card activation label Daily funding method settlement charge
Visa Transaction Detail Report This report reflects the detail for all incoming/outgoing daily settlement items. Summary (Last Page of Report):
CARD NUMBER TC RPS
DESCRIPTION
DATE
ISSUER AMOUNT
CURR
CODE
MERCHANT NAME/MESSAGE ACQ ID
CITY
ST
ZIP
CTRY
ATM ACCT SEL USAGE REFERENCE NUMBER FEE PROG IND
SOURCE AMOUNT
DRPROD MER PSTL CD MOTO/ECI
TRAN ID CAT
MCC POS AVS ACI RA
AUTH SOURCE
SPEC COND IND
766 DEBIT ITEMS TRANSMITTED 3 DEBIT ITEMS NOT TRANSMITTED 23 CREDIT ITEMS TRANSMITTED 34 CREDIT ITEMS NOT TRANSMITTED 0 NON-MONEY ITEMS TRANSMITTED 12 NON-MONEY ITEMS NOT TRANSMITTED ADDITIONAL ITEMS TRANSMITTED CONVERSION FEES GENERATED
56,338.04 612.50 2,050.57 10,656.56
2.57
Field Name Card Number: TC: Description: Date: Issuer Amount: Curr: Code: advance Merchant Name/Message: City: St: Zip: CTRY: X: RPS: ATM ACCT SEL: Usage: Reference Number:
Definition/Description The 16-digit card number Transaction code identifying the type of transaction Briefly describes type of transaction The transaction date The transaction amount The currency code Represents reason code for chargebacks, fee collections, fund disbursements, and requests for copies or originals. Code also represents authorization codes for sales, credits, and cash transactions. Merchants DBA name or may contain the member message text for chargebacks. Merchants DBA city Merchants state Merchants zip code Merchants country code Indicates if an item was an exception. Revised from RP. Required Payment Service. Revised from ACT. Indicates ATM account selection. Usage Code. Indicates if its an original transaction or a representment. Revised from Ref. Number. The 23-digit reference number assigned by the acquirer used to identify the transaction. Original transaction amount in acquiring members currency. This field is included in all non-Visa presentations acquired by the VisaNet Debit System
Source Amount: DRProd:
MER PSTL CD: ACQ.ID: TRAN ID: MCC:
Revised from MPC. Merchant Postal Code. The acquirers business ID The 15-digit transaction identifier Visa assigns to all U.S. transactions Revised from CTGY. Merchant Category Code. A code designating the principal trade, profession or line of business in which a Merchant is engaged. Identifies the POS entry mode Revised from AV. Address Verification Service data received in the authorization request (AVS is a VisaNet service through which a merchant may verify a cardholders billing address). Revised from AI. Indicates the source of the authorization; issuer or stand-in. Fee Program Indictor. New field added for October Enhancements. Used to access interchange rate calculated for a transaction. Revised from M/T. Mail/Telephone/Electronic Commerce Indicator Revised from SCI. Special Condition Indicator. A VisaNet code used in the clearing record to specify that one or more unique conditions apply to the Transaction. Cardholder Activated Terminal Indicator Authorization Characteristics Indicator. Indicates that the transaction is being submitted for CPS qualification. Reimbursement Attribute. A VisaNet code designating the Interchange reimbursement fee applicable to the transaction.
POS: AVS:
AUTH SOURCE: FEE PROG IND:
MOTO/ECI: SPEC COND IND:
CAT: ACI:
RA:
The count and amount for the following: Debit items transmitted Debit items not transmitted Credit items transmitted Credit items not transmitted Non-money items transmitted Non-money items not transmitted
Visa Exception Items Report

This report details all daily transactions and non-monetary items that do not post to cardholder accounts through the normal settlement process (i.e., cash advances, chargebacks, fee collections, and copy requests).
ECV113R1 Pemco VISA EXCEPTION ITEMS REPORT 12/14/05 PAGE 1
BIN DETAIL
CARD NO. TC DESC ZIP CTRY RPS ATM-AC AUTH USAGE REF. # POS SCI DATE ISSUER AMT CURR DRPROD CODE ACQ.ID MERCH NAME/MSG CITY ST
SOURCE AMT
M/T ACI RA CAT AV
CTGY TRAN ID
05 SALES DRFT REPR 1012 918.64 840 388042 SONY OUTLET SHOP 2 CUAUTITLAN I 54769 MX 2 74540615288391939007186 9,759.97 484 5502 02255875 N B L 5722 000000000 90 8 10 FEE COLLECTION 1213 15.00 840 0150 CERESE J MASTERS 04/07 DEBIT RECOVERED CARD HANDLING/REWARDS SOURCE BIN 463400 000000000 15 SALES CHGBK 1104 0.00 81 HAWKINS BAR STORE HAWKINS CA 95527 1 24717055308733082558910 165.00 840 1599 10003719 N J R 5499 625309592 148510 01
US U
EXCEPTION ITEM TOTALS: INCOMING SALES DRAFT 1 FEE COLLECTION 1 OUTGOING SALES CHGBK 1
918.64 15.00 165.00 CR
Field Name
Card Number TC Description Date Issuer Amount Curr Code also represents transactions Merchant Name/Message for City St Zip Ctry ATM-AC Auth Usage
16-digit cardholder account number The transaction code identifying the type of transaction A brief description of the transaction Transaction date The transaction amount The currency code Represents reason codes for chargebacks, fee collections, funds disbursements, and requests for copy/originals. Code authorization codes for sales, credits, and cash
The merchants DBA name or may contain the member message text chargebacks The merchants DBA city The merchants state The merchants zip code The merchants country code Indicates ATM account selection Authorization source code Usage code indicates first or second presentment
Ref Number the Source Amount Curr DRProd VisaNet Acq ID M/T RA the Ctgy Tran ID POS
The 23-digit reference number assigned by the acquirer used to identify transaction Original transaction amount in the acquiring members currency The currency code This field is included in all nonVisa presentations acquired by the Debit System The acquirers business ID assigned by Visa Mail/Telephone transaction indicator Reimbursement attribute code - One alphanumeric digit that indicates reimbursement fee level Identifies the merchant category code The 15-digit transaction identifier Visa assigns to all U.S. transactions Point-of-Sale method
Visa Quarterly Operating Certificates Q1 - Credit Cards

This report is a quarterly summary of activity and dollar volumes for Credit Card (Q1) BINs. These totals are reported to Visa for the Operating Certificate on a quarterly basis.
ECV485R 10/03/05 VISA OPERATING CERTIFICATE BIN MEMBER NAME: TRADITIONAL PLATINUM CREDIT 09/05
DEBITS THIS QUARTER (A) CREDIT CARD
SALES VOLUME MONTH 1 $0 MONTH 2 $0 MONTH 3 $1,128 TOTAL $1,128 25
(B) NUMBER OF DRAFTS
(C) CASH DISBURSEMENTS
ATM CAST DRAFTS BALANCE TRANSFER CASH MANUAL CASH DRAFTS TOTAL QUARTER CREDIT CARE (A) SALES (B) CASH DISBURSEMENTS TOTAL (10.A + 10.B) LESS INTERNAL CASH INCLUDES CASH ADV. (YOUR MACHINE) (C) TOTAL NUMBER OF CREDIT CARD
1 DRAFTS 0 INCOMING . INTERCHANG E 25 CASH DRAFTS +1 26 . ATMS TO . (END OF QTR) .
$ $ $ $ LESS CREDIT $
102 . 0 . VOUCHERS 1,128 MANUALLY COLLECTED
ATM/MANUAL
$ YOUR $ .
ADVANCES THROUGH
+102 1,230 . MEMBERS . MANUALLY COLLECTED
ACCOUNTS
TOTAL OUTSTANDING MINI CARD VOLUME ACTIVE MINI CARDS
(END OF QTR)
$ 0 0
MANUALLY
COLLECTD
Field Names
Debits this Quarter: (A) month of (B) (C) Credit Card Sales Volume. Displays the credit card sales volume for each the quarter and totals the three months Number of Drafts. Displays the total number of sales drafts for the quarter. Cash Disbursements. Displays the total number and dollar amount of cash disbursements for the quarter.
Above includes ATM Displays the dollar amount of cash disbursements that were completed at an ATM for the quarter Total Outstandings: loans. Provides a line to enter (manually) the total dollar amount of your outstanding
Number of Credit Card Accounts: have Credit Card - Incoming Interchange: (A) credit (B) the
Provides a line to enter (manually) the total number of credit cards you outstanding.
Sales. Displays the total number and dollar amount of (Total for Qtr) of credit card sales less vouchers for the quarter. Cash Disbursements. Displays the total number and dollar amount of cash disbursements for quarter including ATM transactions. Displays the total of (A) and (B) above. Provides a line for you to (manually) enter cash advances completed by to your cardholders. Includes cash advances through ATMs to your members (your machine).
Total (10.A + 10.B)
Less Internal Cash Advances: you
(C) quarter
Total. Provides a line for totaling count and amount of interchange to report to Visa for the
Visa Quarterly Operating Certificates Q2 - Debit Cards

This report is a quarterly summary of activity and dollar volumes for Debit Card (Q2) BINs. These totals are reported to Visa for the Operating Certificate on a quarterly basis.
E CV495R1
01/03/05 08:39 VISA OPERATING CERTIFICATE CLASSIC DEBIT BIN:
MEMBER NAME: 1. CHECK CARD SALES VOLUME (A) MONTH 1 $ 1,500,512 MONTH 2 $ 1,741,800 MONTH 3 $ 2,034,637 TOTAL $ 5,276,949
NUMBER OF DRAFTS CASH DISBURSEMENTS: ATM CASH DRAFTS BALANCE TRANSFER CASH DRAFTS COLLECTED MANUAL CASH DRAFTS TOTAL QUARTER
(B)
143,647 0 ___________ 39 ___________ $ 0 $___________ MANUALLY
$ 8,400 $___________
CHECK CARD - INCOMING INTERCHANGE (RECEIVED FROM OTHER MEMBERS) LESS CREDIT VOUCHERS (A) SALES 141,747 $ 5,195,763 (B) CASH DISBURSEMENTS - ATM AND MANUAL CASH DRAFTS 39 $ 8,400 (C) TOTAL (7.A + 7.B) 141,786 $ 5,204,163 METHOD OF POSTING OF CARDHOLDER TRANSACTIONS TO CHECK CARD ACCOUNTS NUMBER OF ACCOUNTS WITH A CHECK CARD MINI CARD VOLUME ACTIVE MINI CARDS METHOD B ___________ MANUALLY COLLECTED DATA 0 0 $ 0
Field Name
1. Check Card Sales Volume: (A) and (B) Month 1, Month 2, Month 3: Displays the check card sales volume individually by month total for the quarter. Displays the total number of sales drafts for the quarter. Displays the total number and dollar amount of cash disbursements for quarter. Displays the dollar amount of cash disbursements that were completed ATM. Provides a line to (manually) enter the number of accounts you on your system with a check card.
Number of Drafts:
Cash Disbursements: the Above includes ATM: at an
Number of Accounts with a Check Card: have Check Card - Incoming (A) Sales
Displays the total numbers and dollars of check card sales for the quarter less credit vouchers. The total number and dollar amount of cash disbursements for the quarter including ATM. Displays the total of (A) and (B) above.
(B)
Cash Disbursements
(C)
Total (7.A + 7.B)
Method of Posting Cardholder Transactions to check card accounts: Displays the method used for posting Check Card accounts Method B - Immediate (instant/without delay posting to cardholder account).
Administration Month-to-Date Statistics

This report summarizes the daily totals for incoming, outgoing, and net interchange on a monthly basis. It also displays the monthly totals and the month-to-date average for each category.
VISA MTD STATISTICS ECV475R1 PAGE 503 ISSUER: 12.01.05 07:03 DEBIT COUNT 61,852 1,418 1,515 790 0 81 142 142 118,353 60,482 57,871 0 0 79 58,099 689 15 0 0 4 0 0 0 0 0 0 0 0 0 0 0 3 0 0 0 156 0 0 0 0 0 779 254 0 0 0 0.00 0.00 0 0 0 0 BIN AMOUNT MANUAL CARDS TRANSMITTED CARDS MINI CARDS TRANSMITTED MANUAL PINS TRANSMITTED PINS INLINE PRINTING CARD MAILERS PIN MAILERS CUSTOMERS SELECTED PINS CARD ISSUE RUSH PINS ISSUE RUSH CARDS/PINS PULLED MANUALLY CALCULATED PINS CARD ACTIVATION ATTEMPTS CARD MANUFACTURE FEE VISA POSTAGE OBERTHUR VISA POSTAGE LYNDALE OVERNIGHT DELIVER BATCH CHARGES PRISM C/H RESEARCH ON-LINE LOST/STOLEN REPORTS LOST/STOLEN COPY REQUEST HANDLING CHARGEBACK HANDLING PRECOMPLIANCE HANDLING MPS AUTHORIZATION MPS SETTLEMENT AIRLINE (3000 3299) CAR RENDAL (3300 3499) HOTEL (3500 3999) FOOD/MKT (5411 5499) GAS (5541, 5551) RESTAURANT (5812) MAIL/TELEPHONE (MAIL/TE=1) E-COMMERCE ELECTRONICS (5732) WAREHOUSE ST (5200,5300) DEPARTMENT STORE (5311) DISCOUNT STORE (5310) AUTO REPAIR (7538) RECURRING TRANS ACCTS W/ TRANS 4,630 AVG TRANS/ACCT 12.55 VROL QUESIONNAIRES VROL IMAGES CARD ACTIVATION LABELS VROL DOC SUPPORT COUNT 0 436 0 0 53 0 436 53 0 0 0 0 0 445 0.00 139.86 15.91 0.00 0.00 0 1 0 0 0 0 0 0 75 8 221 12,344 6,880 3,183 1,979 2,523 143 424 773 773 160 392 AVG. AVG CA 6 5 1,500 1 AMOUNT 11/05
AUTHORIZATION REQUESTS PTSI AUTHS APPROVED ISSUER AUTHS APPROVED ISSUER AUTHS DECLINED OUTGOINE AUTH REQUESTS VBV AUTHORIZATIONS VBV ENROLLEMENT MANUAL FILE MAINTENANCE XMIT FILE MAINTENANCE PBF PROCESSING CARDHOLDER DATA FILE AWARDS MAINTENANCE FILE OUTGOING VISA CDF FILE ACCOUNT INQUIRIES SALES DRAFTS CREDIT VOUCHERS CASH ADVACE IN ATM CASH ADVANCES OUT SALES REVERSALS CREDIT REVERSALS CASH REVERSALS IN CASH REVERSALS OUT SALES CHARGEBACKS CREDIT CHARGEBACKS CASH CHARGEBACKS OUT CASH CHARGEBACKS IN SALES CHARGEBACK REV CREDIT CHARGEBACK REV CASH CHARGEBACK REV OUT CASH CHARGEBACK REV IN FEES IN FEES OUT FUNDS IN FUNDS OUT GENERATED CURR. CONV. GENERATED TRANS ORIGINAL COPY REQUEST COPY REQUEST MAILING CONFIRMATIONS RDMS REPORT DISTRIB GENERAL DELIVERY TEXT MESSAGE SPECIAL SERVICES: FRAUD REPORTS ICS INPUT ICS RESPONSE LINE EQUIPMENT CHARGES REDEMPTION PROCESSING EXTRA AWARD PROGRAM LABEL APPLICATION FEE LABEL APP. MINIMUM FEE ADDITIONAL INSERTS
2,142,841.78 29,431.95 4,218.75 0.00 0.00 867.60 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,610.59 0.00 0.00 0.00 0.00 0.00
0.00 0.00 19,258.08 1,880.26 29,502.61 452,072.63 114,552.10 86,900.22 181,635.46 154,880.94 12,569.57 30,949.74 44,606.56 179,593.68 15,433.82 14,134.14 36.88 281.25 .450 1.000 .060 150.000
0.00
Field Name
Left Column Authorization Requests PTSI Auths Approved PTSI Auths Declined Issuer Auths Approved Issuer Auths Declined Outgoing Auth Requests VbV Authorizations VbV Enrollment Manual File Maintenance Screens Xmit File Maintenance PBF Processing Cardholder Data File Account Inquiries Sales Drafts dollar Credit Vouchers to accounts Cash Advances In
Total number of authorization requests for the month Total number of authorizations approved by PTSI Total number of authorizations declined by PTSI Total number of authorizations approved by the FI Total number of authorizations declined by the FI The number of outgoing authorization requests for the Total number of VbV authorizations attempted Total number of members who enrolled in VbV The number of account updates performed via the Pemco System month
The number of account updates performed by file transmission Number of records sent in the PBF this month Number of records sent in the Cardholder Data File this month Total number of account inquiries this month Shows the number of sales draft transactions and the corresponding amount for the month Shows the number and dollar amount of credit vouchers posted for the month Shows the number and dollar amount of all incoming cash advance transactions including ATM Shows the number and dollar amount of incoming cash advance transactions that were completed at an ATM Shows the number and dollar amount of all outgoing cash advance transactions Shows the number and dollar amount of sales reversals for the
ATM
Cash Advances Out
Sales Reversals month Credit Reversals month Cash Reversals Out
Shows the number and dollar amount of credit reversals for the
The number of outgoing cash advance reversals

Cash Reversals In Sales Chargebacks month Credit Chargebacks month Cash Chargebacks Out the Cash Chargebacks In the Sales Chargeback Rev the Credit Chargeback Rev the Cash Chargeback Rev Out
The number of incoming cash advance reversals Shows the number and dollar amount of sales chargebacks for the
Shows the number and dollar amount of credit chargebacks for the
Shows the number and dollar amount of outgoing cash chargebacks for month Shows the number and dollar amount of incoming cash chargebacks for month Shows the number and dollar amount of sales chargeback reversals for month Shows the number and dollar amount of credit chargeback reversals for month Shows the number and dollar amount of outgoing cash chargeback reversals for the month Shows the number and dollar amount of incoming cash chargeback reversals for the month The number and dollar amount of incoming fee collections The number and dollar amount of outgoing fee collections The number and dollar amount of incoming funds disbursements The number and dollar amount of outgoing funds disbursements The number and dollar amount of transactions for an institution created customized program
Cash Chargeback Rev In
Fees In Fees Out Funds In Funds Out Generated Trans by a
Original Copy Requests Copy Requests your Mailing Confirmations RDMS - Report Distrib General Delivery Text Message Fraud Reports
Shows the number of requests for original sales/credit drafts The number of copy requests initiated by Pemco Customer Service on behalf The number of confirmations in response to retrieval requests Reserved for future use The number of text lines sent by Visa The number of text messages received Number of fraud reports sent to the FI
ICS Input ICS Response Line Equipment Right Column Manual Cards Transmitted Cards Manual PINs Transmitted PINs Inline Printing Card Mailers PIN Mailers Custom Select Phone PIN Card Issue Rush PIN Issue Rush Cards/PINs Pulled Manually Calculated PINs Card Activation Attempts Card Manufacturing Fee Visa Postage Oberthur Visa Postage Lyndale Overnight Delivery Batch Charges Redemption Processing Extra Awards Program PRISM Cardholder Research directly Online Lost/Stolen Reporting
The number of ICS records sent to Visa The number of alert responses received from Visa The fees for leased equipment
The number of cards issued manually The number of cards issued through transmission The number of PINs issued manually The number of PINs issued through transmission Printing costs for Cards/Pins/Inserts The number of card mailers issued The number of PIN mailers issued Number of phone PINs selected this month The number of cards issued for same day mailing The number of PINs issued for day mailing The number of cards/PINs pulled for special handling Total number of PINs calculated online The number of card activation attempts by cardholders Fee to manufacture new cards The postage expense for Visa card issuance The postage expense for Visa PIN issuance The fees charged for overnight delivery of cards and PINs The fees for card issue batches Number of award items redeemed this month Monthly Award program fees Number of cardholders Pemco Fraud Analysts attempted to contact in response to a PRISM alert The number of lost/stolen reports through Automated Lost/Stolen Service (audio-response unit)
Reports Lost/Stolen response Copy Request Handling
The total number of lost/stolen reports processed through Pemcos Lost/Stolen Service including those received through the audiounit) The number of copy requests handled by Pemco Customer Service on your behalf The number of chargebacks handled by Pemco Customer Service on behalf Pre Compliance Handling The number of pre-compliance cases handled by Pemco Customer Service on your behalf Number of authorizations requested through an MPS terminal Number of items settled through an MPS terminal Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Count and dollar amount of transactions Number of accounts with transactions Average number of transactions per account Shows additional charges/credits incurred Number of card activation labels ordered this month
Chargeback Handling your
MPS Authorization MPS Settlement Airline (3000 3299) Car Rental (3300 3499) Hotel (3500 3999) Food/Mkt (5411, 5499) Gas (5541, 5542) Restaurant (5812) Mail/Telephone (Mail/Tel=1) E-Commerce (Mail/Tel, PSI) Electronics (5732) Warehouse Store (5200, 5300) Department Store (5311) Discount Store (5310) Auto Repair (7538) Recurring Trans (Recur PMT=R) Accts w/Trans Avg Trans/Acct Special Services Card Activation Labels
Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values.
Chapter 3 Card and PIN Issuance

Overview
Pemco Technologies supports all phases of card/PIN issuance including card design, card stock manufacturing, embossing, encoding, card-mailer match and insert, mailer-envelope stuffing, PIN mailer printing, mailing, and secure card stock storage. We can issue a variety of card types including Visa, MasterCard, and ATM. All services are performed under dual control in a physically secured area approved by Visa and MasterCard. This chapter provides information and procedures concerning the issuance and maintenance of cards and PINs. It also provides details concerning inventory, supplies, and mailing options. You currently have four options to submit a card/PIN issue request: Transmission by FTP Magnetic Tape Online through the Pemco Processing System Fax
Card/PIN Issuance Procedures Data Transmission

Car/PIN Issue files are transmitted to Pemco using FTP (file transfer protocol). The file is then passed to our card/PIN manufacturing vendors for production and issuance. Card/PIN files transmitted to Pemco must include a header record. Header records are then modified by Pemcos programming staff prior to production.
Magnetic Tape
Magnetic Tape card/PIN issue requests are shipped to Pemco on magnetic tape media. These requests are processed and issued in the same manner as a transmitted request.
Online Card/PIN Issue

Financial institutions have the ability to issue cards online by the Pemco Processing System as explained in Training Topic 3.1. This process is used by institutions with VPN or dial-up access that require additional cards/PINs not included in their transmitted card/PIN file, or for institutions without the capability to transmit files.
Fax
This enables financial institutions to issue cards/PINs by faxing the information to Pemco Customer Service. Since the data from paper documents are keyed manually, there is an additional charge. All embossing and encoding standards remain the same.
Card/PIN Maintenance Procedures for Card Base Customers

If a financial institution is a Card Base customer, their cardholder accounts will be maintained directly on our system. Our system also provides informational reports and automates the re-issue of expiring cards. Training Topic 3.2 at the end of this chapter explains the procedure for Card Base maintenance.
Card Expiration Report/Card Issue Name and Address Report

A monthly Card Expiration Report and Card Issue Name and Address Report are sent prior to the reissue of expiring cards (Figures 3.2 and 3.3). The Card Expiration Report is sent approximately 60 days in advance of a cards expiration. For example, if a card expires on 10/31/07, you will receive notification via the Card Expiration Report on 9/1/07. This gives you 30 days to review and determine any changes you wish to make prior to the automated reissue beginning 10/1/07. The reissue begins on the first business
day of the month to insure cards are received in a timely manner. The Card Issue Name and Address Report is used to verify that cardholder data is accurate.
Card/PIN Maintenance Procedures for Non-Card Base Customers

If a financial institution uses their DP (Data Processor) to maintain cardholder data, maintenance to cardholder accounts will be performed on the DPs system.
Reissue Expiration Date Procedures

When re-issuing a card you must determine if the new card should reflect the expiration date previously issued or a new expiration date. By advancing an expiration date you may be able to save the financial institution time and money in the future. For example, in July 2007, a cardholder asks for a new card to be sent since they have damaged their current card, which expires in November 2007. In this situation you may reissue the new card with the same November 2007 expiration date or push it out to November 2005 which will save time and expense.
Reissues: Card Base Users

Pemco Card Base customers automatically generate new cards on the automated reissue date. It is important to verify your cardholder data in the Pemco Card Base before the reissue occurs. The reports at the end of this chapter (Figures 3.2 and 3.3) will confirm if the information in the database is current and reliable.
Non-Card Base Users

Non-Card Base customers need to send a card/PIN issue file well in advance (30 days) of a cards expiration date to insure timely delivery. Always make sure your cardholder data is up-to-date prior to creating your card/PIN issue files.
Standard Card/PIN Issue Schedule

Every business day at 5:00 p.m. Pacific Time we send all card/PIN issue files received to our manufacturers. Any file received after 5 p.m. Pacific Time will be sent with the next days files.
Priority File Card/PIN Issuance Procedures

A Priority File is a request to generate and deliver a new card/PIN the next business day. This is only accomplished by calling Pemco Customer Service and requesting a Priority File by 11:00 a.m. Pacific Time
Rush Card/PIN Issuance Procedures

Begin with the standard card/PIN issue request. Then modify the request from a standard issue to a rush request. This can be done two ways; enter your request for a rush on the 7.9 screen the same day you order the card; or call Pemco Customer Service by 11:00 a.m. Pacific Time the following day.
Card/PIN Issue Request Form

The Card/PIN Issue Request form is designed to accommodate faxed card/PIN rush orders. The form has a line for each embossing field and provides the allowable number of characters for the embossing format. It also includes address information for mailing purposes.
Inventories and Supplies Oberthur Card Systems for card/PIN production

Financial Institutions receive a monthly inventory report detailing their card and insert inventory with Oberthur Systems . Note: Pemco will assist you in monitoring your inventory, although the financial institution is ultimately responsible for maintaining a sufficient inventory supply.
Inserts
It is an option to have disclosures and/or other printed material inserted in the card envelope at the time the cards are issued. All inserts must conform to standards.
Insert Specifications
Size and Paper Weight: Inserts must be no larger than 8X 3.5 (final folded size). Paperweight of folded documents must not exceed 24 pounds. Buck slips (one-panel documents) should be no less than 16 pounds . Document Control: An Inventory Control Number (for institutions using Oberthur) must be present on card inserts, along with a revision date. Packaging: Shipments of supplies must be clearly marked with institution name, inventory control number (for institutions using Oberthur) and quantity.
Shipments
Inserts must be received one week prior to the intended date of use. Please notify Pemco Customer Service prior to the shipment.
Envelopes, Cards, PIN Mailers

We maintain stock of envelopes, cards, and PIN mailers, and can supply you with these items at no additional cost If you would like . to receive samples, or more information, please contact Pemco Customer Service, 1-800-881-7488. The envelopes are of standard dimensions and contain two windows for the cardholder address and the return address. Printed on the envelopes is a "Do Not Forward" message. The card mailers are standard Data Match stock with the cardholder account number, name, and address printed on the card mailer. There is space for a phone number if desired. The PIN mailers are a standard size and have both the cardholders address and the return address. The mailers are sealed with a perforation tear and include a "Do Not Forward" message printed on them. Financial institutions have the ability to customize their PIN mailers.
Supply Shipments
To arrange for shipments of plastics or paper goods, please call Pemco Customer Service, 1-800-881-7488.
Card Mailing Options

There are two regular options for mailing cards: Send issued cards directly to the cardholder Send issued cards to the financial institution We also have the ability to accommodate other mailing arrangements if necessary.
Training Topics Topic 3.1 - Card/PIN Issuance on the Pemco Processing System:
Screen 7.1.1 - Pemco Visa Card/PIN Issue

This screen provides you with several issuing options and can calculate the check digit when creating a new card. If you are a Card Base customer, the current cardholder database information will populate the fields. Non-Card Base customers must enter all required information. The F1 key is used to jump to the Card Base Screen (7.1.2). Complete the following to issue a card, PIN or both: 1. Card Number Enter the account number. If the 16th digit is unknown, use a ?, then press <Enter>. The 16th digit will automatically populate. 2. Card Issue Option - Select the issue option. 3. Send PIN Mailer - Select Y for Yes or N for No. 4. Expiration MMYY Enter the month and year the card(s) are to expire. 5. Check Guarantee - No longer used. 6. Address Line 1, 2, 3 Enter the cardholders address. 7. Primary Cardholder Info Enter mothers maiden name, customer number, phone number, SSN or DOB depending on participation in card activation. 8. Name 1 Enter first name and middle initial, press <Tab> and type in last name. 9. Second Emboss Line Enter business names or titles, as needed. Press <Enter>. 10. Nbr of Cards Enter number of cards to issue, or leave blank to issue one card. 11. Press <Enter>, then <F12> to file the record.
Topic 3.2 - Card/PIN Card Base Maintenance on the Pemco Processing System
Screen 7.1.2 - Pemco Card Base Update/Inquiry

This screen maintains your card database and stores the data used for the automatic reissue of expiring cards. Card Base customers must first update this screen before issuing a card, unless a new card number is being issued. The F1 Key is used to jump to the Card Issue Screen (7.1.1). To update or inquire on an account in the database, complete the following: 1. Function: C for Change or I for Inquiry. 2. Enter Account Number. Press <Enter>. 3. Complete any necessary maintenance. (Note: When adding a joint cardholder, enter the number of cards as zero. When the card is ordered using the 7.1.1 screen the system will update the number of cards in the database to 1.) 4. Press <Enter>, then <F12> to file the record.
Pemco Reports and Field Descriptions This is a listing of the Pemco Card/PIN Issue Reports. A sample copy of each report is provided along with field descriptions. Card/PIN Issue Report: (Figure 3.1) C1/C3/CV1/CVC/C1C/C3C/R1 - Transmitted orders 640/640R1 - Online orders These duplicate reports show all cards and PINs created by transmission and/or ordered by dial-up to the Pemco Processing System. Card Expiration Report: (Figure 3.2) 85R1 (Card Base Customers only) This report is created monthly and shows all cards expiring within 60 days. Card Issue Name and Address Report: (Figure 3.3) 80R1 (Card Base Customers only)
This report is created weekly and shows basic cardholder information on the Pemco Processing System used for issuance. It is used to verify that your cardholder name and address information is current prior to a reissue.
Card/PIN Issue Report: (Figure 3.1)

Transmitted Orders
ECV0129 CORPT001 11:58:14 CARD/PIN ISSUE REPORT DATE FILE CREATED 12/13/05
Pemco CORP RUN DATE 12/13/05 PAGE 1 SEARCH CODE BATCH 1 000001 000002 000003
CARD NUMBER VISA
MEMBER NAME CLASSIC JOHN VISA JANE DOE SALLY JONES JO JONES
ADDRESS W/ PIN MAILER 123 MAIN ST. SUNNY, CA 456 HOME AVE. HAPPY, WA 88 FARM DR. GOODCITY, WA NO PIN MAILER 55 VISA LN GREEN, WA
EXP DATE CCFORM#111 12/07 12/07 12/08
NUM. CARDS CARD ACT 01 01 01
BATCH 2 000001 BIN BIN BIN BIN BIN BIN BIN TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL TOTAL
VISA
GOLD JO Pemco 5 5 0 4 3 3 0
CCFORM#11 12/07
CARD ACT 01
RECORDS REG. CARDS MINI CARDS CARD MAILERS PINS PIN MAILERS INLINE PRINT
Online Orders
ECC640R1 CARD/PIN ISSUE REPORT Pemco RUN DATE FILE CREATED: 12/13/05 PAGE 1 CODE CARD NO. NAME ADDRESS EXP DATE VISA 000001 CLASSIC AL Pemco SUE Pemco TOTALS RECORDS REQUESTED MAILERS REQUESTED MAILERS TOTALS RECORDS REQUESTED MAILERS REQUESTS MAILERS FOR VISA W/ PIN MAILER 1 PARK ST. SEATTLE, WA CLASSIC W/ 2 2 1 1 1 2 2 1 1 1 FORM#111 12/07
CARD TYPE CARD ACT 01
NBR OF CARDS
PIN
USER ID MCC
01 01
BATCH DETAIL CARDS CARD PINS PIN GRAND DETAIL CARDS CARD PIN PIN
PIN:
FOR BIN
Field Name Run Date Date File Created Search Code Card Number Member Name Address Expiration Date Card Type Number Of Cards PIN User ID (640R1 only)
Definition/Description Date the card(s) were transmitted to Pemco Date card-issue file was created The record count of each card issued The 16-digit cardholder account number Cardholders name Cardholders address and where card(s) will be sent unless otherwise requested Month and year the card(s) are due to expire. Your institution's identifying code for the type of card(s) issued; i.e., credit, debit, etc. The number of card(s) issued for each cardholder. Indicates if a PIN was issued. (Y or N) The ID of the person issuing a card/PIN by the Pemco Processing System Screen 7.1.1. Describes if there are cards, PINs, and PIN mailers and what type of cards issued. The total number of records. The total cards issued. The total number of mailers used in mailing cardholder accounts. The total number of PINs created. The total number of PIN mailers.
Batch Total Records Total Cards Total Cards Mailers Total PINs Total PIN Mailers
Card Expiration Report: (Figure 3.2)

Card base Customers Only
12/01/05 ECC685-R1 LAST -NAME DOE SMITH FIRST-NAME JANE BILL 02
CARD EXPIRATION REPORT BIN 4XXXXX ADDR-LINE-1 123 MAIN ST. 456 PARK PL ADDR-LINE-2 SEATTLE, WA SEATTLE, WA NUM-CARDS 01 01
CARDS EXPIRING 01/06
ACCT-NUM 4000 0000 0000 0000 4000 0011 1111 1111
NUMBER OF ACCOUNTS
Field Name Cards Expiring Last Name First Name Addr. Line 1
Definition/Description The month and year the cards are to expire. The cardholders last name. The cardholders first name. The street address w here the reissued card will be mailed.
Addr. Line 2
Num. Cards Card Number
The city, state, and zip where the reissued card will be mailed.
The number of cards to reissue. The account number being reissued.
Number of Accounts
The total number of accounts being reissued for the month.
Card Issue Name and Address Report: (Figure 3.3)

Card Base Customers Only
12/16/05 ECC680R1 LAST NAME DOE
FIRST JANE
POWERLINK CARD ISSUE NAME AND ADDRESS BIN 400000 ADDRESS LINE 1 & 3 ADDRESS LINE 2 EXPIRE CARD # 123 HOME ST. APT. 2 01/07 40000000000 SEATTLE, WA 411 MAIN ST SEATTLE, WA 01/07 400000111111
BLOCK/CODE/DATE
SMITH
BOB
05 11/01/05
JONES
SUZIE
11 HAPPY AVE
SUITE 1 SEATTLE, WA 02 01
02/07
400000222222
TOTAL ACTIVE ACCOUNTS TOTAL BLOCKED ACCOUNTS
Card Issue Name and Address Report Key: (Figure 3.3)

Field Name Last-Name Definition/Description Cardholders last name
First-Name Addr-Line1 Addr-Line2 Exp-Date Card-Number
Cardholders first name Cardholders street address Cardholders city, state, and zip The expiration date of the card currently issued The card number of card currently issued
Pemco/Oberthur Inventory Supply Report: (Figure 3.4)

Pemco TECHNOLOGIES INVENTORY ACTIVITY REPORT MONTH YEAR CUSTOMER NAME ---------------------------THE CREDIT UNION 000001 Pemco CORP 993
CUSTOMER REFERENCE
PAGE 1
CUST #
ITEM TYPE
DECS.
ITEM OCS ITEM PROPERTIES NUMBER VISA GOLD VISA *DEBIT* COMPLIANT HIGH COERCIVITY MAG STRIPE 223344
ACTIVITY
OCCERENCES
QUANTITY BEGINNING
--------------------------- ------------------------- ----------------------------CARD 123456 BALANCE:1,103 LAST RECD 08/01/05 ENDING BALANCE:1,103 LAST USED 10/01/05
CARD
345678 LABEL
VISA GOLD W/ ACTIVATION 335599 LAST RECD 06/01/05 6 BEGINNING BALANCE: 100 LAST USED: 11/05/05 ENDING BALANCE: 94 PLEASE READ BEFORE 114477 LAST RECD 05/01/05 1 BEGINNING
INSERT 124578 BALANCE: 52
USING
LAST USED: 11/22/05
ENDING BALANCE: 51
***END OF REPORT***
Field Name Customer Name Cust # Item Type Customer Reference Item Description Item Properties Oberthur Item #
Definition/Description The institutions name Institutions customer number with Oberthur Indicates if the item is a card, insert, carrier, or envelope The first four digits of the card BIN Defines the type of item Defines the characteristics of the item
Displays the Oberthur inventory number and date the item was last
As follows: Activity Activation Count Adj Cust. Req. Destroy Description Activation label application. Physical count adjustment. Customer request (samples, return of inserts). Destruction of item.
used
Activity
Emboss use Usage associated with embossing (cards and paper). Hot Stamp Hot stamp application. PIN Mailer PIN mailer usage. Pull & Rtn Pull and return to inventory. Pull/Dstry Pull and destroy. Receipt Receipt of card and/or paper good item into inventory. Scrap The scrap of damaged or obsolete items. Occurrences The total number of occurrences for each activity.
Quantity
The quantity for beginning balance, emboss use, and ending balance.
Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values at the end of this manual.
Card/PIN Issuance Audit

All financial institutions are responsible for card/pin issue report auditing. All card/pin issue reports must be compared to financial institution records to verify correctness. Any and all discrepancies must be brought to the attention of Pemcos customer service manager so we can then investigate the discrepancy.
Chapter 4 Authorizations
Overview
This chapter provides an overview of procedures related to authorization processing on the Pemco Processing System as well as the different authorization options.
Authorization Processing
Pemco offers three different authorization processing options: Positive File Negative File (only used in emergency situations) Online Authorization.
Each method has different features, controls, and parameters that you select to best suit your financial institutions needs.
Positive File
The positive file contains a members 16-digit card number, balance, expiration date, and status code(s). When a member uses a card, the authorization request is passed from Visa to Pemco. Pemco then queries the positive balance file for the sufficient funds and account status to determine the authorization response. Transmitting your Positive File to Pemco is the same as sending your card issue files. The Positive File is created using your in-house data processor. Once the file is created you will transmit it to Pemco using FTP. If a transmission fails, a Pemco customer service representative will contact you immediately. The failed file will be discarded.
Negative File
The authorization function for the Negative File is created using status code information such as blocked cards. This file type also uses daily spending parameters for dollar amounts and number of transactions that are individually tailored to meet each institution's needs. Actual cardholder balances are not used. Institutions using Negative Balance File do not transmit a file to Pemco on a daily basis. This method is only used on an emergency basis.
Online Authorization (VPN)

Virtual Private Network (VPN) is used to connect your network to Pemco. With online authorizations your financial institution is authorizing or declining the authorizations on a real-time basis. This eliminates the need to provide a Positive File on a daily basis (although updating your Positive File is recommended as a backup in the event of a lost connection). The advantage of the Online Authorization method is the ability to immediately recognize payments, deposits, and withdrawals made by the member. Contact Pemco Customer Service for more information concerning all of the available authorization methods.
Action Codes
Action codes (block codes) identify the status of each account to the authorization network. Most action codes place a predetermined decline response on a card. Appendix A - Pemco/Visa Fields and Values lists all Visa action codes. The Pemco Authorization System uses the Visa action codes, which eliminate the need to convert and translate between Visa action codes and your systems action codes. The use of Visa action codes provide a more efficient operation through simplification and consistency between your institution, Pemco, and Visa.
Pemco Products and Services

The VisaNet Exception file contains all blocked accounts. The exception file resides at Visa and is updated automatically by the Pemco system anytime you block a cardholders account. This insures the most up to date response to authorization requests in the event Pemco is unavailable.
Authorization File Maintenance Positive File

Block requests, such as lost or stolen cards, should be updated immediately. The status may be updated online using the Pemco Processing System or by calling Pemco Customer Service. Your in-house data processing system must also be updated with the block code. Failure to update the account in your positive file may result in the block code being removed from the Pemco system. If you have access to the Pemco Processing System, you will be able to perform the following maintenance procedures: View Authorizations - Training Topic 4.1 Update an Available Balance - Training Topic 4.2 Block Account via Pemco - Training Topic 4.2 Perform an Authorization or Reversal - Training Topic 4.3
Negative File
Negative File users can use to the Pemco Processing System or call Pemco Customer Service for account updates.
Online Authorizations
The Online Authorization method relies on your data processing system to provide authorization responses. Consequently, cardholder accounts must be maintained on your system to insure that members receive appropriate responses. You must also update the Pemco Processing System with any changes to cardholder accounts in the event that Pemco needs to provide stand-in processing. Maintaining your system and the Pemco Processing System in a parallel manner prevents the exposure of erroneous authorization approvals when your system or connection is down and Pemco or Visa is standing in. If the online authorization connection goes down Pemco uses the Positive Balance File for stand-in processing. If Pemco stands in for authorizations when you are unavailable, we will store and forward any approved authorizations when connection is restored. Pemco also stands in for any authorizations your data processor doesnt respond to within five seconds .
Training Topics Topic 4.1 Viewing an Authorization Topic 4.1 PowerLink Visa Authorization Inquiry Screen (1.1.1)
This screen enables you to search for all authorization attempts in the past 45 days. You are able to search by card number and BIN. To inquire on accounts in the authorization file, complete the following: 1. 2. 3. 4. 5. 6. Prim Acct#: Enter the 16-digit card number (leave blank if searching by BIN) Search on BIN: Enter your six-digit BIN (leave blank if searching by card number) DT (YYMMDD): Enter the search date range Auth Type: Select transaction type to narrow search (optional) Result: Select the decision type to narrow search (optional) Press <Enter>
Note: You can further refine your search by entering values in the Action Code and M-Catg (Merchant Category Code) fields.
Topic 4.1 - PowerLink Visa Authorization Inquiry Screen (1.1.1)
Top Row: Auth #: Authorization Number Acct #: 16-digit Account Number Date: Authorization Attempt Date (MMDDYY) Time: Authorization Attempt Time (Pacific Standard & Military Time) POS: POS Entry Mode Amount: Authorization Dollar Amount Tran Type: Who Authorized the Transaction Action CD: Approval or Decline Code Bottom Row: M-Catg - Merchant Category Code Name/Location - Merchans Name and Location Result Description - Authorization Attempt Result Note: Values for the codes represented can be found in Appendix A - Pemco/Visa Fields and Values or the Visa U.S.A. Operating Regulations.
Topic 4.1 - PowerLink Visa Authorization Positive Limits File Screen (1.1.3)
This screen allows you to inquire and modify any account on your positive balance file.
Topic 4.2. Updating an available balance

1. Function: Enter a C for Change 2. Acct#: Enter the 16-digit Card Number 3. Press <Enter> 4. Checking Acct: Enter the new available amount in whole dollars (no decimals) under the amount heading, space through the previous amount, and press <Enter> to verify. (Note: Available amounts can be updated in the Checking, Savings, or Credit Line fields depending on the setup and type of your card program.) 5. Press <F12> to file the record
Topic 4.2 To block an account:

1.........................................................................................Function: Enter C for Change 2.........................................................................................Acct #: Enter the 16-digit Card Number 3.........................................................................................Press <Enter> 4.........................................................................................Action Code: Enter the Desired Block Code 5.........................................................................................Purge MMYY: Enter the Cards Expiration Date 6.........................................................................................Press <Enter>, the F12 to File
Topic 4.3 - PowerLink Visa Authorization Request Screen (1.1.6)
Topic 4.3 To perform an authorization/reversal

1. 2. 3. 4. 5. Req. Type: Enter a 1 for Cash, 2 for Purchase, or 4 for a Reversal Acct#: Enter the 16-digit Card Number Exp date: Enter the Cards Expiration Date (MMYY) Amt: Enter the Dollar Amount Press <Enter>, then <F12> to transmit the request
The authorization response returned from Visa will display across the bottom of the screen.
Pemco Technologies Reports and Field Descriptions

This is a listing of the Pemco reports that are available pertaining to authorizations. A sample copy of each report is provided along with a brief description of the fields. Positive File Maintenance Listing Exception Report (Figure 4.1): This daily report lists the total accounts added, changed, or deleted from the Pemco Exception File and errors that cannot write to the Positive File by transmission. VIC Exception File Online Maintenance Journal Report (Figure 4.2): This daily report shows all maintenance performed on the VisaNet Exception File using the Pemco Processing System. Positive Limits Online Maintenance Journal Report (Figure 4.3): This daily report shows all the maintenance performed on the Positive File for your cardholders using the Pemco Processing System. Authorization Listing Report (Figure 4.4): This daily report lists all authorization attempts for the previous day.
Positive File Maintenance Listing Exception Report (Figure 4.1)
Field Name Update Process Update Type Primary Account Error Description Action Code Sent Action Code Old Purge Date Totals For BIN
Definition/Description File Type (Update = update the accounts listed, Refresh = update the entire file) Action Type [values are Add, Change (Chg), or Delete (Del)] 16-digit card number Defines the Record Error Update Action Code Previous Action Code Date the Action Code is removed from the Visa Exception File Sum of all conditions in the file received
VisaNet Exception File Online Maintenance Journal (Figure 4.2)

ECV023R1 PAGE 1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE VISANET EXCEPTION FILE ONLINE MAINTENANCE JOURNAL BIN NUMBER ACCOUNT FUNCTION NUMBER ADD DATE 01/07/0 6 DATE 01/07/06 TIME 15:16:32 SCREEN USED 6.3 USER ID MCCOUG INSTITUTION SOURCE
ACTION PURGE CODE MMYY CRB REGION
05
0806
VIC RESPONSE CODE = 00SCREEN MESSAGE = 0108 VISA EXCEPTION FILE HAS BEEN UPDATED PRESS ENTER TO CONTINUE
ACCOUNT NUMBER
FUNCTION DELETE
TIME 11:10:0 1
SCREEN USED 1.1.3
USER ID MACRAB
INSTITUTION SOURCE
ACTION PURGE CODE MMYY CRB REGION
VIC RESPONSE CODE = 00SCREEN MESSAGE = 0233 VISA EXCEPTION FILE RECORD DELETED PRESS ENTER TO CONTINUE
Field Name Account Number Function Date Time Screen Used User ID Institution Source Action Code Purge MMYY CRB Regions VIC Response Code Message
Definition/Description 16-digit card number Type of Maintenance Performed. Date of Maintenance Time of Maintenance Screen Used to Perform the Maintenance Person who Performed Maintenance Field Not Used New Action Code to be Listed on the Account Date the Card is purged from the Exception File Card Recovery Bulletin Status of the Account Response sent by Visa Screen Message Indicates the Exception File is updated
Positive Limits Online Maintenance Journal (Figure 4.3)

ECV021R1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE POSITIVE LIMITS ONLINE MAINTENANCE JOURNAL PAGE 1
BIN NUMBER -----------------------------------------------------------------------------------------------------------------------------------------------------------------CALLER *** PREVIOUS MODIFICATION *** ACCOUNT NUMBER FUNCTION DATE TIME USER ID USER ID DATE TIME USER ID CHANGE 01/09/2006 11:11:46 NAWATE JXCASE 01/09/2006 10:56:42 EC0VI20P SHORT LAST NAME BUDA BUDA FIRST EXPR BLOCK/ ACTION PURGE LIMIT PIN VBV INITIAL MMYY RECLASS CODE MMYY IND CRB REGIONS AVS DATA RST RST L 0306 00 N 13205- -131 L 0306 00 N 13205- -131 CREDIT AMT TRANSACTIONS REVERSALS ADVICES AVAILABLE CNT AMOUNT CNT AMOUNT CNT AMOUNT BEFORE 627 2 453 0 0 0 0 691 2 453 0 0 0 0 ***********
BEFORE AFTER
AFTER
CHECKING AMT SAVINGS AMT AVAILABLE AVAILABLE 0 0 0 0
Field Name Account Number Function Date Time User ID Short Last Name First Initial Expr MMYY Block/Reclass Action Code Purge MMYY CRB Regions Confirm# Previous Modification: Date Time User ID
Definition/Description 6-digit Card Number Type of Maintenance Date of Maintenance Time of Maintenance User ID of the Individual that Performed the Maintenance Cardholders Last Name Cardholders First Initial Expiration Date Block and Reclass Code Action Code List on the Account Date the Block is Purged from the Exception File Card Recovery Bulletin Status Number Returned by Pemco to Confirm the Update
Date of the Previous Modification to the Account Time of the Previous Modification to the Account User or Report that Previously Modified the Account
Authorization Listing Report: (Figure 4.4)
Field Name Primary Account Date Time Tran Amount Msg Type Auth Num Action Code Merchant Type POS Mode Merchant Name/Location
Definition/Description 6-digit Card Number Date of the Authorization Time of the Authorization Amount of the Authorization Code Identifying the Transaction Type Authorization Number Authorization Decline Code Merchant Category Code POS Entry Mode Code Merchant Name and Location
Additional information concerning field definitions and values can be found in the Appendix A - Pemco/Visa Fields and Values at the end of this manual.
Chapter 5 Lost and Stolen Cards

Overview
This chapter explains the procedures and responsibilities that exist in handling lost and stolen cards.
Blocking a Card
To prevent your financial institution from potential fraud it is necessary to block all lost or stolen cards immediately. The card should remain blocked until the card expires. When a card is blocked with Pemco, the VisaNet Exception File is automatically updated. This provides Visa with the information needed when performing stand-in processing. Additionally, cards may be blocked in the Card Recovery Bulletin (CRB). The CRB covers different geographical areas outside the United States. Listing a card number in a CRB region gives you chargeback rights on transactions below a merchants floor limit. CRB Region codes can be found in Appendix A. Cards can be blocked by either entering the block code on the Pemco system or by calling our Customer Service Department. Our Customer Service Department can be reached by calling, (206) 352-3500 or (800) 881-7488. The Customer Service Department is available from 5:00 a.m. to 6:00 p.m. Pacific Time. Training Topics 5.1 and 5.2 at the end of this chapter explain the procedures for blocking cards on the Pemco system.
Using the Automated Lost/Stolen Service

Lost and stolen cards can always be reported using our Automated Lost/Stolen Service by calling (800) 682-6075. This service is available 24 hours a day, seven days a week. The Automated Lost/Stolen Reporting Service will block the account, update the VisaNet Exception File, and e-mail notification to your institution.
Automated Lost/Stolen System Menu

1. Enter your 16-digit card number followed by the pound (#) sign. If the card number is unknown, press star (*) at any time to be transferred to a representative. 2. If the card number entered is not on file you will hear the following message:
The card number you entered is not on file. Please reenter your card number or press the star (*) key to be transferred to a representative. (This will repeat three times then automatically default to a representative.) If the card number is on file they will hear the following options: If your card has been lost, press 1. If your card has been stolen, press 2. 3. After successfully reporting the card lost or stolen they will hear the following message:
Your card number is now blocked. All cards with this number are blocked at this time. Please call your financial institution to request a replacement card. Thank you for calling. If the system is unavailable, they will hear the following message: Our automated system is unavailable; please stay on the line for a representative.
Pemco is not liable for any transactions occurring between the time the card was lost or stolen and the time it is reported
Updating the VisaNet Exception File

The VisaNet Exception File is Visas electronic listing of all blocked cards. It is updated every time a card is blocked on the Pemco system and is used to prevent authorizations.
Updating the Card Recovery Bulletin (CRB)

The Card Recovery Bulletin lists all cards blocked in a particular region. The bulletin is produced from the accounts contained in the VisaNet Exception File marked with a CRB Region code. CRB Regions are geographical areas outside the United States that are divided into various regions. To list a card number in the bulletin you must enter the appropriate CRB Region code(s) on the Pemco system. CRB Region codes are listed in Appendix A.
Additional Lost/Stolen Information Merchant Rewards

Cash rewards are given to merchants who retain a card when an authorization attempt results in a pick-up response. The reward is paid by your financial institution and collected via transaction code 10 (T/C 10) through the normal Visa settlement.
Report Retention
It is your responsibility to retain and store all reports and forms relating to lost, stolen, and fraudulently used cards. Pemco retains records for you on a limited basis; consider them only a backup to your retention responsibilities.
Maintenance History Screen

The Account Maintenance History Screen (1.5) allows you to view detailed information concerning account block history. Training Topic 5.4 explains the procedures for utilizing the Pemco Account Maintenance History Screen.
Training Topics Topic 5.1 Blocking Accounts on the Positive Balance File via Pemco Topic 5.1 - PowerLink Visa Authorization Positive File (1.1.3 Screen)
How to block an account: 1. 2. 3. 4. 5. 6. Function: Enter C for Change Account Number: Enter the 16-digit card number, press <Enter> Action Code: Enter the appropriate action code Purge Date: Enter the expiration date of the card CRB Region: Enter the appropriate CRB Region code (not required) Press <Enter>, then <F12> to file and update the VisaNet Exception File
Topic 5.2 Inquiring on the VisaNet Exception File Topic 5.2 - PowerLink Visanet Exception File (1.1.7 Screen)
This screen allows financial institutions to verify a card is blocked on the VisaNet Exception File. How to inquire on the VisaNet Exception File: 1. Function: Enter I for Inquiry 2. Account Number: Enter the 16-digit card number 3. Press <Enter> 4. Press <F12> to send the inquiry to Visa If the card is listed on the VisaNet Exception File, you will see block information in one or all of the following fields: Action Code, Purge MMYY, CRB Regions. If the card is not blocked on the VisaNet Exception File, you will receive the message: Account Number not on File.
Topic 5.3 - Pemco Visa Account Maintenance History (1.5)
This screen allows financial institutions to view a cards block history. This screen shows all blocks placed on a card. How to research the block history: 1. 2. 3. Prim Acct#: Enter the 16-digit card number Search on History Type: Enter B for block codes Press <Enter>
Topic 5.4 - Pemco Visa Account Maintenance History cont.
If the account has been blocked previously you will see the following: Name: Cardholder Name Date: Date of maintenance Time: Time of maintenance Action CD Old: Previous action code Action CD New: New action code Changed By: User ID of person who performed the maintenance Method: Screen used to perform the maintenance Visa Updte: Conclusion of the status update to Visa Expire Date: Expiration date of card Purge Date: Date the block will be removed from the VisaNet System
Pemco Reports and Field Descriptions

This is a listing of Pemco reports available that pertain to lost or stolen cards. Accounts Reported Lost or Stolen by VRU: This report shows any account blocked by the Automated Lost/Stolen Reporting System. The report details the account number, time of call and whether the account was reported lost or stolen. It also provides the date and time of the last authorization on the account. Positive Limits Online Maintenance: This report shows all maintenance performed on the Positive File for your cardholders using the Pemco system. Exception File Online Maintenance: This report shows all maintenance performed on the VisaNet Exception File using the Pemco system.
Figure 5.1 - Accounts Reported Lost of Stolen by VRU (677R1)

ECC677R1
01/10/06 01:32:42
LOST/STOLEN REPORT FOR Pemco CORPORATION
01/09/2006
BIN CARD N0
TIME OF CALL
CARD REPORTED STOLEN LOST
NETWK
METHOD PHONE PHONE
MOST RECENT AUTH IN THE LAST 10 DAYS 01/08/2006 11:01:06 BED BATH & BEYOND 01/07/2006 20:13:49 SCHUCKS #123 SEATTLE TACOMA
09:26:24 10:08:09
Field Card Number: Time of Call: Card Reported: Netwk: Method: Most Recent Authorization
Description 16-digit Card Number Time the Report was made Type of Block placed on the Card Network(s) Updated Method used to Block the Card Details the Most Recent Authorization in last 10 Days
Figure 5.2 - Positive Limits Online Maintenance Journal (021R1)

ECV021R1 01/10/06 02:22 POWERLINK VISA CUSTOMER SERVICE POSITIVE LIMITS ONLINE MAINTENANCE JOURNAL PAGE 1
BIN NUMBER -----------------------------------------------------------------------------------------------------------------------------------------------------------------CALLER *** PREVIOUS MODIFICATION *** ACCOUNT NUMBER FUNCTION DATE TIME USER ID USER ID DATE TIME USER ID CHANGE 01/09/2006 11:11:46 NAWATE JXCASE 01/09/2006 10:56:42 EC0VI20P SHORT LAST NAME BUDA BUDA FIRST EXPR BLOCK/ ACTION PURGE LIMIT PIN VBV INITIAL MMYY RECLASS CODE MMYY IND CRB REGIONS AVS DATA RST RST L 0306 00 N 13205- -131 L 0306 00 N 13205- -131 CREDIT AMT TRANSACTIONS REVERSALS ADVICES AVAILABLE CNT AMOUNT CNT AMOUNT CNT AMOUNT BEFORE 627 2 453 0 0 0 0 691 2 453 0 0 0 0 ***********
BEFORE AFTER
AFTER
CHECKING AMT SAVINGS AMT AVAILABLE AVAILABLE 0 0 0 0
Field Account Number: Function: Date: Time: User ID: Caller User ID: Previous Modification: Before: After:
Description 16-digit Card Number Type of Modification Modification Date Modification Time Identifies the Modifier Person Requesting Modification Details Previous Modification Details a Fields Content before Modification Details a Fields Content after Modification
Figure 5.3 - Exception File Online Maintenance (023R1)
Field Account Number: Function: Date: Time: Screen Used User ID: Institution Source: Action Code: Purge MMYY: CRB Regions:
Description 16-digit Card Number Type of Modification Date of Modification Time of Modification Method of Modification Identifies Modifier
Type of Block place on the Account Date the Block is removed from the Exception File Identifies if the Card is blocked in any CRB Regions
Additional information concerning field definitions and values are found in Appendix A - Pemco/Visa Fields and Values.
Chapter 6 Back-Office Functions

Overview
The procedures in this chapter explain the work flow for the following functions: Draft Copy Request Procedures Visa Chargeback Procedures Transaction Reversal Procedures Fee Collection/Fund Disbursement Procedures Cash Advance Procedures Accessing the Pemco Processing System Visa Draft-Retrieval Procedures
Requesting a Draft Copy

Financial institutions are able to request draft copies from Visa using the Visa Settlement Retrieval Request Screen (1.2.3). Training Topic 6.1 explains this procedure. If you are requesting a copy for a transaction that was processed through a previous processor you will need a copy of the transaction detail report to manually enter the request. Financial institutions that dont use the Pemco Processing System must contact Customer Service, 1-800-881-7488, and ask a representative to order a draft copy on their behalf.
Entry Rejects
If Visa rejects the draft copy retrieval request for any reason, the Visa edit package will produce a report (Figure 6.8) detailing all errors. This report is sent by PTSI Mail and is also available through OnDemand.
Visa Draft-Retrieval Time Frames

Refer to the Visa Operating Regulations Volume I and II for the most current draft copy time frames.
Receipt of Copy Requests

All draft copies are received at Pemco on the Visa Copy Request Fulfillment Station (VCRFS) located at Pemco each morning. Once received we automatically fax them to your financial institution.
When Pemco Processes your Chargeback

If Pemco processes your chargebacks you will be assigned a chargeback representative who will work directly with you on each chargeback. Each time a member disputes a transaction you just need to fax all cardholder dispute information to your chargeback representative. Your representative will review all of the information and proceed accordingly.
Financial Institution Processes Chargebacks

When processing your own chargebacks complete the following steps: Ask the cardholder if they have attempted to resolve the dispute with the merchant. Have the cardholder write a detailed letter describing the dispute. Inform the cardholder that they will receive a provisional credit on their account. Research the dispute and decide if there is a chargeback right. Enter the chargeback on the Pemco Processing System (Training Topic 6.2). Notify cardholder of disputes outcome.
Chargeback Process Second Presentment

As the issuer, you may receive a second presentment resulting from a chargeback you sent to an acquirer. The second presentment is listed on the exception items report as a representment. You will receive supporting documentation electronically from the acquirer, if applicable. You then need to read all documentation and decide if you can proceed with the dispute. You are responsible for making any cardholder account adjustments.
Pre-Arbitration
If the representment is invalid or more information has become available the issuer may send a pre-arbitration letter requesting the acquirer to return the money. You must give the acquirer 30-days before proceeding further.
Arbitration
As the Issuer you have the right to take the dispute to arbitration if you are not satisfied with the outcome of the chargeback. Arbitration is when both sides (Issuer and Acquirer) send all of their supporting documentation to Visa where an arbitration team w ill decide the outcome. Please see Visa Operating Regulation Volume I and II for arbitration time frames and fees.
Chargeback Time Frames

Refer to the Visa Operating Regulations Volume I and II for the current chargeback time frame information.
Supporting Documentation
Refer to the Visa Operating Regulations Volume I for details of what each reason code requires for supporting documentation.
Additional Chargeback Information

Pemco provides dispute tracking reports that detail all chargebacks and copy requests as well as when each is time frame is expired. If you receive a representment, do not adjust the members account until you have reviewed the representment with a Pemco representative.
Transaction Reversal Procedures

Financial institutions have the ability to reverse any transaction that you or someone on your behalf generates. The same screen used to initiate the transaction is used to reverse the transaction. The reason codes used for reversals differ from those used for chargebacks. Training Topic 6.2 explains the procedure for performing transaction reversals on the Pemco Processing System. Appendix A Pemco/Visa Fields and Values provides the appropriate reversal reason codes.
Fee Collection/Funds Disbursement Procedures

As an issuer, you can collect fees or disburse funds to and from other institutions. Refer to the Visa Operating Regulations for a list of the fee collection and funds disbursement items, reason codes, dollar amounts, and documentation requirements. If you dont have access to the Pemco Processing System, please contact customer service to complete your fee collections and funds disbursements. Training Topic 6.3 explains the procedure for performing fee collections/funds disbursements on the Pemco System.
Cash Advance Procedures

Teller: When a cardholder requests a cash advance (manual-cash disbursement), the teller must ask to see one piece of photo identification to ensure the recipient is the cardholder. The ID must be a current official government identification document (i.e., passport or drivers license) that bears the cardholders signature. Compare the signature on the cash disbursement draft with the signature on the ID. A description of the identification must be included on the cash disbursement draft. Printed Four-Digit BIN: When a cardholder presents a Visa card, you must compare the first four digits of the embossed card number to the four digits printed below on the card. These numbers must match. Before continuing with the cash advance, write the printed four digits on the draft in the space provided. If the printed four digits dont match the embossed four digits, retain the card if possible and call Pemco Customer Service for further instructions. Expiration Date: The presented card must have a valid expiration date. If the card has an embossed valid from date and the transaction date is prior to the valid from date, do not complete the transaction. When the card is embossed with the valid from date in a month and year format, the card is valid on the first day of the embossed month and year. When a card is embossed with a valid from date in a month, day, and year format, the card is considered to be valid on the embossed date. Completing the Cash Advance: After validating the card, get an authorization for the transaction amount, an imprint of the card, and the cardholders signature. Dispense the cash along with the card and receipt. If your cash advance terminal doesnt automatically settle at the end of the business day you must remember to settle the transaction on the Pemco system (See Training Topic 6.4) or call Customer Service to have a representative settle it. The outgoing cash advance will post as a credit in the next days daily interchange. Authorization Options 1. 2. 3. 4. Electronic Point of Sale Terminal. Voice Authorization from Pemco Customer Service. Authorization from the Pemco System screens (See Training Topic 6.4). If Pemco Customer Service is unavailable, get a voice authorization from Visa at 1-800-688-2777.
Record the authorization number if approved. If the authorization is declined, give the card back to the cardholder and inform them of the decision. If the cardholder wants to know the reason for the decline, instruct them to contact their issuing institution. If the decline response is related to fraudulent activity or youre suspicious of the transaction, call our Customer Service Department for further instructions. In the metropolitan Seattle area, call 206-352-3500. From all other areas in the continental United States, call 1-800-881-7488, press 2. Suspicious Transactions (Code 10): If you should become suspicious for any reason, call our Customer Service Department and request a Code 10 authorization. A Code 10 identifies a suspicious concern to our Customer Service Department without alarming the cardholder. We will guide you through the authorization process. Cash Advance Supplies: Electronic POS terminals, manual imprint machines, and cash disbursement draft forms can be purchased directly from Pemco. Please contact customer service for availability and pricing. Visa Signs and Decals: Visa signs and decals can be displayed in any of your locations to advertise your Visa program. Typically, they are displayed at the teller windows, ATMs, drive-through, or wherever cash advance transactions are performed. Tent signs measure 3 1/4 by 2 3/8. The cost for each tent sign is $0.90. Visa decals are measure 2 5/8 by 4 3/4. The cost of each decal is $0.70.
Training Topics Topic 6.1 Requesting a Copy Request on Pemco Topic 6.1 -PowerLink Visa Settlement Retrieval Request Transaction Screen (1.2.3)
The 1.2.3 screen allows you to search for an incoming, outgoing, or pending transaction. How to search for a transaction: 1. Account Number: Enter the 16-digit card number 2. Amount: Enter the transaction amount (optional) 3. Reference Number: Enter the transaction 23-digit reference number (optional) 4. Tran Code: Enter the transaction code (optional) 5. Pemco MMDDYY: Enter the transaction date range (optional) 6. Press <Enter> Note: The F11 allows for manual entry of a Retrieval Request.
Topic 6.1 Cont.
If more than one transaction is found after entering your selection criteria, this screen will appear with a list of transactions. To retrieve the desired transaction, position the cursor next to the desired transaction and press <Enter>. Topic 6.1 Cont.
This screen allows you to initiate a draft retrieval request.
Topic 6.2 - How to Initiate a Draft Retrieval Request:

1. 2. 3. 4. 5. 6. Tran Code: Enter Appropriate Transaction Code (Defaults to 52) Reason Code: Enter Appropriate Reason Code (Defaults to 33) Issuer Control Number: Enter Issuer Control Number (Optional) Contact for Info: Enter Contact Name Fax Number: Enter Contact Fax Number Press <Enter>, then <F12> to file
Topic 6.2 - PowerLink Visa Settlement Chargeback/Chargeback Reversal Screen (1.2.2)
This screen allows you to search original transactions when preparing to process a chargeback or transaction reversal. How to search for a transaction: 1. Account Number: Enter the 16-digit card number 2. Amount: Enter the transaction amount (optional) 3. Reference Number: Enter the transaction 23-digit reference number (optional) 4. Tran Code: Enter the transaction code (optional) 5. Pemco MMDDYY: Enter the transaction date range (optional) 6. Press <Enter> Note: The F11 allows for manual entry of a Retrieval Request. Topic 6.2 Cont.
If more than one transaction is found after entering your selection criteria, this screen will appear with a list of transactions. To retrieve the desired transaction, position the cursor next to the desired transaction and press <Enter> Topic 6.2 - Performing a Chargeback/Transaction Reversal on Pemco cont.
How to Initiate a Chargeback or Transaction Reversal: 1. 2. 3. 4. Tran Code: Enter the appropriate Transaction Code (defaults to 15) Reason Code: Enter the appropriate Chargeback Code or Transaction Reversal Code Usage Code: Enter the appropriate Usage Code (defaults to 1) Press <Enter>, then <F10> to proceed to the next screen
Topic 6.2 Continued
This screen allows you to enter a supporting documentation indicator, member message text, special chargeback indicator, and initiate a VROL questionnaire form. All other required fields are auto-populated for convenience. Any fields that are blank or highlighted in green are modifiable. How to complete the chargeback or transaction reversal: 1. 2. 3. Doc Ind: Enter a 1 if you are sending supporting documentation Spcl Chgbk Ind: Enter a P if you are charging back a partial amount Member Message: Type the appropriate member message text
4. 5.
Create VROL Form: Enter a Y if you a VROL questionnaire is required* Press <Enter>, the <F12> to file
*Contact Pemco Customer Service with any VROL Questionnaire questions.
Topic 6.3 - Initiate a Fee Collection or Funds Disbursement Topic 6.3 - PowerLink Visa Settlement Initiate Fee Collection Screen (1.2.4)
This screen allows you to process Fee Collections and Funds Disbursements. Please reference Visa Operating Regulations Volume I for the required Reason Codes and Member Message Texts. How to Initiate a Fee Collection/Funds Disbursement: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Tran Code: Enter a 10 for fee collection or 20 for funds disbursement Event MMDD: Enter the Event Date Dest BIN: Enter the other Visa Members BIN Source BIN - Enter your BIN Amount - Enter the Fee Collection/Funds Disbursement Dollar Amount Currency CD: Defaults to 840 (US) Reason Code: Enter the Appropriate Reason Code Message Text: Enter the required in Message Text Account Number: Enter the 16-digit Card Number directly Related Press <Enter>, the <F12> to file
Topic 6.4 Authorize and Settle a Cash Advance Topic 6.4 - PowerLink Visa Authorization Request Screen (1.1.6)
How to initiate an Authorization for a Cash Advance, Purchase, or Reversal: 1. 2. 3. 4. 5. 6. 7. Request Type: Enter 1 (Cash Advance), 2 (Purchase), or 3 Reversal Acquirer BIN: Enter your BIN Account Number: Enter the 16-digit Card Number Expire MMYY: Enter the Expiration Date of the Card Amount - Enter the Transaction Dollar Amount Press <Enter>, then <F12> to Transmit the Authorization Request The Authorization Response will appear in the Bottom Left of the Screen
Topic 6.4 - PowerLink Visa Settlement Initiate Cash Advance Transaction Screen (1.2.5)
This screen enables you to settle cash advance that was not processed by an electronic data capture terminal.
How to Settle an Outgoing Cash Advance: 1. 2. 3. 4. 5. 6. Account Number: Enter the 16-digit Card Number Transaction MMDD: Enter the Cash Advance Date Amount - Enter the Cash Advance Dollar Amount Auth Code - Enter the Six-Digit Authorization Code Acquirer BIN - The system will default to your BIN. Press<Enter>, then <F12> to file

Pemco Reports Related to Back-Office Functions Visa Dispute Tracking Alert Report (2A) - This report lists all Chargebacks, Copy Requests, Representments, and Rejected Items that need to be reviewed (Figure 6.2). Visa Dispute Daily Tracking Report (2B) - This report tracks all disputed transactions currently being processed (Figure 6.3). VisaNet Edit Package Report (108R2) - This report shows all chargebacks or copy requests returned to your institution by Visa because of invalid data (Figure 6.4). Data Capture Report (112) - This report shows all cash advance transactions transmitted by an electronic data capture machine (Figure 6.5).
Figure 6.2 - Visa Dispute Tracking Alert Report (2A)
Row 1 Fields Card Number: TC: Description: Date: US Amount: Merchant Name: Comments: Pemco Date: Time Limit: Row 2 Fields UserID: Usage Ref Number: Message: Vic Date:
Description 16-digit Card Number Transaction Code Describes the Transaction Code Transaction Date Transaction Dollar Amount in US Currency Merchants Name Describes Dispute Outcome Date of Chargeback Date Chargeback is Due Description Person who initiated the Chargeback Transaction Reference Number Member Message Text Date Visa Processed Chargeback
Figure 6.3 - Visa Dispute Daily Tracking Report (2B)
Row 1 Fields Card Number: TC: Description: Date: US Amount: Merchant Name: Pemco Date: Time Limit: Row 2 Fields UserID: Usage Ref Number: Message: Vic Date:
Description 16-digit Card Number Transaction Code Describes the Transaction Code Transaction Date Transaction Dollar Amount in US Currency Merchants Name Date of Chargeback Date Chargeback is due Description Person who initiated the Chargeback Transaction Reference Number Member Message Text Date Visa Processed Chargeback
Figure 6.4 - VisaNet Edit Package Report (108R2)
The VisaNet Edit Package is an activity based report. You will only receive this report when an outgoing chargeback, copy request, or fraud advice is rejected by the Visa Chargeback Reduction Service. Please contact Customer Service with any questions regarding this report if you receive one.
Figure 6.5 - Data Capture Report (112)
Row 1 Fields Card Number: TC: Description: Date: Branch Name: Merchant Name: City: St: Zip: Ctry: Row 2 Fields Usage: Ref Number: Source Amount: Curr: Acquirer ID: Store Num: Ctgy: POS Entry: Description
Description 16-digit Card Number Transaction Code Transaction Code Description Transaction Date Name Branch Processing the Cash Advance Name of Merchant City of Merchant State of Merchant Zip Code of Merchant Country of Merchant
Transaction Usage Code Transactions 23-digit Reference Code Transaction Amount Transaction Currency Code Acquirers Identification Number Merchants Store Number Merchant Category Code Point of Sale Entry Mode
Additional field definitions, values, and codes can be found in the Appendix A - Pemco/Visa Fields and Values at the end of this manual.
Chapter 7 Fraud Control and Reporting

Overview
This chapter is specific to fraud control strategies and reporting responsibilities when fraud occurs.
Fraud Deterrence
Credit and debit card fraud continues to be a major concern for financial institutions. By taking the proper precautions and implementing a variety of safeguards it is possible to reduce the impact of fraud. This chapter will discuss in detail the following safeguards Pemco has available. Card Activation Card Verification Value Card Verification Value Two Proactive Risk Manager Cardholder Risk Identification Service Risk Reports Issuers Clearinghouse Service Expiration Date Mismatch Decline BIN Limits
Card Activation
Card activation is when a cardholder is required to call Pemcos Automated Card Activation System to activate their credit and/or debit card. A card activation sticker is on the front of every new card Pemco produces. This sticker has the card activation phone number and instructions. Once the cardholder activates the card, the card is available for immediate use. The Automated Card Activation System is an audio response unit that responds to touch-tones entered by cardholders. The member is prompted to enter his or her 16-digit card number and up to five selected data elements to activate the card. Data Elements Options: 1. 2. 3. 4. 5. 6. 7. Social Security Number Last four of Social Security Number Date of Birth Home Telephone Number Mothers Maiden Name Member Number Password
These elements are dependent on your data processing system. Pemco uses a combination of card issue file or Card Base and Positive Balance file information to create a card activation record and activate the card. For information on establishing a Card Activation Program, contact Pemco Customer Service.
Activating a Card using the Pemco Screens

If a cardholder is unable to activate his or her card using the automated system, you are able activate the card for them using the Pemco Processing System screens (Training Topic 7.1).
CVV
The CVV (Card Verification Value) is a number encoded into the magnetic stripe of all cards issued through Pemco. The CVV value is verified on all full magnetic stripe read authorizations.
CVV2
CVV2 (Card Verification Value 2) is a three digit number printed in the signature panel of all cards issued through Pemco. CVV2 is used for verification on non face-to-face transactions. This allows a merchant to manually enter the CVV2 number to verify a cards authenticity.
PRISM
Fraud patterns emerge rapidly and change quickly. Recognizing this, Pemco has implemented PRISM (Proactive Risk Manager), a tool to identify risk, monitor transactions from all over the globe, and combat fraud. PRISM is a neural network that learns cardholder spending habits, recognizes fraud patterns, distinguishes between low- and highrisk transactions, and creates alerts. The PRISM system is monitored 24/7 by our experienced fraud analysts. The analysts review each alert and follow the required course of action (i.e., block the card, contact the cardholder, contact the financial institution).
CRIS
CRIS (Cardholder Risk Identification Service) is Visas fraud detection product. This product is available through Pemco. Please contact customer service for more information.
Risk Reports
Pemco provides a variety of Risk Reports used to detect fraudulent card use. These reports are produced seven days a week allowing institutions to respond immediately. Please see the Reports section of this chapter for a description of the Risk Reports available.
ICS
ICS (Issuers Clearinghouse Service) is a centralized, national database that contains information on Visa and MasterCard credit card applicants, incidents of fraud, unauthorized use, and bankruptcy filings. This database was jointly developed by Visa U.S.A. and MasterCard International, Inc. with guidance from U.S. issuers to reduce the member losses from excessive credit applications and unauthorized use. ICS compares cardholder social security numbers, addresses, and telephone numbers with information contained in its files and issues one of the following: 1. 2. 3. Confirmation Invalid data Alert
Included with ICS is the Bankruptcy Notification Service (BNS). Using information gathered by bankruptcy retrieval services, issuers receive notice of applicant and cardholder bankruptcy filings. These notices include account numbers, as well as updates on cardholder bankruptcy dismissals, discharges, chapter conversions, and creditors hearing dates. How ICS Works Information from credit card applications and fraud reports submitted by all ICS users is compiled in a database. Third-party sources such as authorized vendors, the Social Security Administration, and credit-reporting agencies provide data on: 1. 2. 3. 4. Social Security Numbers (SSN) Valid addresses and home phone numbers Credit card account numbers Bankruptcy filings
Accessing the ICS Database

Your institution can access the database on the Pemco Processing System. Refer to Chapter 8 - Pemco Screens and Field Definitions for more information on ICS screens.
Fraud Reporting
Issuers must report all fraud activity to Visa U.S.A., as specified in the appropriate Visa User's Manual, within seven calendar days of verification of the fraudulent activity. If further investigation determines that the transaction or occurrence is of a different fraud activity type than previously reported, the issuer must correct the activity. If fraud activity has occurred on an account, the issuer must list the account number on the exception file with a pick -up response for 90 calendar days, until the card expires, or is recovered, whichever comes first. A member must report all cardholder and issuer mailing information on Not received as Issued cards, whether or not fraud activity has occurred. Visa U.S.A. defines the following fraud activity reporting categories: 1. 2. 3. 4. 5. 6. 7. 8. 9. Lost Card Stolen Card Card Not Received Fraudulent Application Counterfeit Account Takeover/Miscellaneous Fraudulent Use of an Account Number (Mail/Phone Order Fraud) Fraudulent Application Detected Before Loss Incurred Suspicious Application Detected Before Loss Incurred
If Pemco performs your chargebacks and the chargeback is fraud related, the fraud advice will automatically be filed as part of the chargeback process. If you perform your own chargebacks, you enter the fraud advice to Visa as a standard procedure during the chargeback filing process. Training Topic 7.2 details the Fraud Reporting procedure using the Pemco Processing System.
Expiration Date Matching

Expiration date mismatch is the practice of declining all authorization attempts when the expiration date in the authorization data doesnt match the authorization date on the Positive Balance File.
BIN Limits
BIN limits allow you to put a maximum transaction amount and/or count on your cardholders daily spending. These limits can be set by merchant type and/or a total daily limit.
Training Topics Topic 7.1 - Visa Card Activation Screen (7.1.5)
To activate card: 1. Function: Enter C for Change 2. Card Number: Enter the 16-digit card number 3. Press <Enter> The left column displays the required card activation information. 4. <Tab> to corresponding Verified field, change the N to Y 5. Press <Enter>, the <F12> to activate and file the record Note: The fields at the bottom of the screen will display if the card has been activated or is activation attempts have been made.
Topic 7.2 - Visa Settlement Initiate Fraud Advice Screen (1.2.7)
To search for a transaction: 1. 2. 3. 4. Account Number: Enter the 16-digit card number Amount: Enter the transaction amount Press <Enter> If more than one transaction meets your search criteria, position the cursor next to the desired transaction and press <Enter>
Topic 7.2 Continued:
To initiate a fraud advice, complete the following: Fraud Type: Enter the appropriate fraud type code: 0=Card Reported Lost 1=Card Reported Stolen 2=Card Reported not Received 3=Fraudulent Application 4=Counterfeit 5=Account Takeover/Miscellaneous 6=Fraudulent Use of an Account Number (Mail/Telephone) 7=Fraudulent Application detected before loss incurred 8=Suspicious Application detected before loss incurred
Notification Cd: Enter appropriate notification code: 1=Original 2=Previously Reported account 3=Change 4=Deletion 5=Re-activate previously deleted transaction 1. Card Expir MMYY: Enter the cards expiration date 2. Press <Enter>, then <F12> to file record
Pemco Fraud Reports

Overview Visa ICS Report (Figure 7.1): This activity based report lists all outgoing ICS information sent by your institution. It also includes alerts from Visa concerning card applicants entered by your institution. Invalid Expiration Date, Declined Authorizations, and Authorizations over $1000 Report (Figure 7.2): This daily combination report shows all authorizations declined for mismatch expiration date, all declined authorizations, and any authorization attempt over $1,000. Excessive Usage 5 or More Transactions Report (Figure 7.3): This daily report shows all accounts with five or more transactions. Track-1/Positive Balance Name Mismatch (Figure 7.4): This activity based report shows any authorizations in which the name in Track 1 of the magnetic stripe does not match the name being sent in the Positive Balance File. Authorizations for $1.00 or Less Report (Figure 7.5): This daily report shows all accounts with authorizations for a $1 or less. Transactions with invalid CVV Report (Figure 7.6): This daily report shows all transactions with a CVV failure. Authorizations for $1.00 or Less Followed by 3 or More Authorizations Report (Figure 7.7): This daily report shows all authorizations for $1 or less followed by three or more authorizations. CRB Region Exception File Report (Figure 7.8): This weekly report shows all accounts listed on the Card Recovery Bulletin. Foreign Country Authorizations Report (Figure 7.9): This daily report shows all cardholder authorization requests occurring in foreign countries. Risky Merchant Authorizations Report (Figure 7.10): This daily report shows all authorization requests with merchants identified by Visa to have a higher than normal occurrence of fraud. Foreign Transactions Report (Figure 7.11): This daily report shows all transactions settling to cardholder accounts that occur in a foreign country. Risky Transactions Report (Figure 7.12): This daily report shows all merchant/locations of settled transactions that have been identified by Visa to have a higher that normal occurrence of fraud. Profile Risk Parameters (Figure 7.13): This report shows the risk parameters set for a specific BIN.
Figure 7.1 - Visa ICS Report

ECV110R7 Pemco VISA ICS REPORT BIN 12/13/05 PAGE 44
TRAN CODE 30 LOCATOR NUM SSN NAME SEC. ADDRESS PRIM. ADDRESS CITY STATE ZIP CODE
ACTIVITY CODE AA 10534600159 123 45 6789 JAMES A DOE 23456 BLUE AVE SEATTLE WA 981151234
ENTRY YYDDD 05346
Field Name Tran Code: Activity Code: Locator Number: Entry YYDD: Locator Num: SSN: Name: Sec. Address: Prim. Address: City: State: Zip Code:
Definition/Description Two-digit transaction code Type of activity Unedited field ICS returns to the issuer Date of entry Visa assigned vendor location number Cardholders social security number Cardholders name Cardholders secondary address Cardholders primary address Cardholders city of residence Cardholders state of residence Cardholders zip code of residence
Figure 7.2 - Invalid Expiration Date, Declined Authorizations, and Authorizations over $1,000.00
Authorizations with Invalid Expiration Dates
12/20/05 POWERLINK RISK REPORT BIN AUTHORIZATIONS W/ INVALID EXP DATE PRIMARY ACCOUNT TIME 14:31:5 8 04:40:2 2 21:18:2 6 TRAN DATE 12-19-2005 12-19-2005 12-19-5005 EXP DATE 0707 0808 0108 MCC POS 4816 5960 3502 MERCHANT 01 01 01 CS*ONLINE AUTO CLUB TRAVEL LOCATION 800-888-8111 LIVONIA US TULSA US
Field Name Primary Account: Time: Date: Tran Amount: PBF Expr Date: Auth Expr Date: MCC Code: POS Entry: Merchant Name: Location:
Definition/Description 16-digit card number Authorization time Authorization date Amount of the transaction Expiration date listed on the positive balance file Expiration date in the incoming authorization request Four-digit Merchant Category Code Two-digit point-of-sale entry mode code Name of the merchant processing the authorization City and country location of the merchant
Declined Authorizations:
12/20/05 POWERLINK BIN DECLINED TRAN DATE 12-19-2005 DECLINE REASON 12-19-2005 DECLINE REASON 12-19-2005 DECLINE REASON RISK REPORT AUTHORIZATIONS MSG AMOUNT 14.84 INSUFFICIENT FUNDS 36.40 EX RESP; AUTH 109.95 REASON CODE= 05
PRIMARY ACCOUNT ACTION CODE ACTION CODE ACTION CODE
TIME 10:12:10 51 12:44:41 05 15:05:31 05
POS ENT TYPE 0100 0100 EXPR 0100 MERCHANT NAME AMAZON.COM WAL-MART =0806 SAFEWAY 01 01 01
Field Name Primary Account: Time: Date: Tran Amount: Msg Type: Merchant Name: POS Ent: Action Code: Decline Reason:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Transaction type Name of the merchant processing the authorization Two-digit point-of-sale entry mode code Decline response code Action code description
Authorizations over $1,000:

12/20/05
POWERLINK RISK REPORT
BIN AUTHORIZATIONS
PRIMARY ACCOUNT
TIME 08:20:48 12:44:41
TRAN DATE 12-19-2005 12-19-05
OVER $1000 MSG AMOUNT 1,151.33 4,638.50
AUTH TYPE/ # 0100 062774 0100 054642
MCC 7395 8220
MERCHANT NAME PHOTOS JCC OFFICE
Field Name Primary Account: Time: Date: Tran Amount: Msg Type: Auth Num: MCC Code: Merchant Name: Action Code: Decline Reason:
Definition/Description 6-digit card number Transaction time Transaction date Transaction amount Transaction type Six-digit authorization code Four-digit merchant category code Name of the merchant processing the authorization Decline response code Description of the action code
Figure 7.3 - Excessive Usage 5 or more Transactions

12/23/05 ECV091R1 PRIMARY ACCT EXCESSIVE USAGE 5 OR MORE AUTHS TRAN MSG AUTH ACT AMT TYPE NUM CODE 35.18 0100 159753 30.22 125.28 0100 0100 456982 149658 MCC CODE 5631 5541 9402 MERCH NAME COACH CITGO USPS POS ENT 90 01 90 POWERLINK RISK REPORT BIN
TIME 07:22:05 14:18:50 09:45:12
DATE 12-2205 12-2205 12-2205
LA LA LA
CA CA CA
Field Name Primary Account: Time: Date: Tran Amount: Msg Type: Auth Num: Act Code: MCC Code: Merchant Name: POS Ent:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Transaction type Six-digit authorization code Decline response code Four-digit merchant category code Name of the merchant processing the authorization Two-digit point-of-sale entry mode code
Figure 7.4 - Track-1/Positive Balance Name Mismatch

12/23/05 POWERLINK RISK REPORT BIN ECV095R1 TRACK 1 NAME MISMATCH
PRIMARY ACCT TRAN AMT MSG TYPE AUTH NUM ACT CODE MCC CODE MERCH NAME POS ENT
TIME
DATE
12-22-05 07:22:05
35.18
0100
159753
5631
NAME ON FILE: DE LA RO
COACH
SEATTLE
WA
90
NAME FROM TRACK: LA/ LINDA DE
Field Name Primary Account: Time: Date: Tran Amount: Msg Type: Auth Num: Act Code: MCC Code: Merchant Name: POS Ent:
Definition/Description 16-digit card number Authorization time Authorization date Transaction amount Transaction type Six-digit authorization code Decline response code Four-digit merchant category code Business name of merchant Two-digit point-of-sale entry mode code
Figure 7.5 - Authorizations for $1.00 or Less

12/23/05 POWERLINK RISK REPORT BIN ECV092R1 PRIMARY ACCOUT TIME 15:09:22 06:09:54 DATE 12220 5 12220 5 TRAN AMT 1.00 AUTHORIZATIONS OF $1 OR LESS MSG AUTH ACT MCC MERCH TYPE NUM CODE CODE NAME 0100 803658 5542 SHELL OIL SEATTLE POS 90 01
1.00 0100 14 4816 THE STORE BELLEVUE DECLINE REASON: ACCT NUMBER NOT ON PBF
Field Name Primary Account: Time: Work Date: Tran Amount: Msg Type: Auth Num: Act Code: MCC Code: Merchant Name: POS Ent:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Transaction type Six-digit authorization code Decline response code Four-digit merchant category code Name/location of the merchant processing the authorization Two-digit point-of-sale entry mode code
Figure 7.6 - Authorizations with CVV Failures

12/23/05 ECV093R1 PRIMARY ACCOUNT 02:04 POWERLINK RISK REPORT PAGE 14 BIN AUTHORIZATIONS WITH CVV FAILURES TIME TRAN MERCHANT NAME/LOCATION HH:MM:SS AMT TYPE 20:12:35 $36.22 5812 BECKS PUB AND GRILLE WATERLOO TRACK #2 31 |4127680000340843D07071010000088
DATE 12/22
US
Field Name Primary Account: Date: Time (HH:MM:SS): Tran Amount: Merchant Type: Merchant Name/Location: Track Data:
Definition/Description 16-digit card number. Transaction Date Transaction time Transaction amount Four-digit merchant category code Name and location of the merchant Track number that fails CVV verification
Figure 7.7 - Auths of $1.00 or Less Followed by 3 or More Auths

12/23/05 ECV094R1 PRIMARY ACCOUNT TIME POWERLINK RISK REPORT BIN AUTHORIZATIONS OF $1.00 OR LESS FOLLOWED BY 3 OR MORE AUTHORIZATIONS DATE TRAN MSG AUTH ACT MCC AMT TYPE NUM CODE 12-22-2005 1.00 0100 159847 5964 12-22-2005 1.00 0100 258794 5964 12:22-2005 44.57 0100 759685 5912 12-22-2005 1.00 0100 467913 5542 12-22-2005 12-22-2005 12-22-2005 12-22-2005 12-22-2005 1.00 75.13 14.82 287.15 36.44 0100 0100 0100 0100 0100 482673 794561 865663 147986 775593 5542 5934 9402 5944 5942
MERCHANT
POS
11:01:02 11:07:55 11:13:19 12:32:05 09:10:05 10:52:18 11:32:10 14:02:36 14:47:31
JCPENNY DALLAS US 01 JCPENNY DALLAS US 01 MEDCO HEALTH DALLAS 01 76 STATION LIBERTY 90 TEXACO SEATTLE 90 NORDSTROM SEATTLE 90 USPS SEATTLE 90 CRATE & BARREL SEA 90 BARNES & NOBLE SEA 90
Field Name Primary Account: Time: Date: Tran Amount: Msg Type: Auth Num: Act Code: MCC Code Merchant Name: POS Ent:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Transaction type Six-digit authorization code Decline response code Four-digit merchant category code Business name and location Two-digit point-of-sale entry mode code
Figure 7.8 - CRB Region Exception File

12/23/05 ECV095R1 ACCT-NUM CRB REGION VISA EXCEPTION FILE REPORT BIN ACTION-CD 07 43 07 41 CRB-REGION B E E A PURGE-DATE 0805 0105 0706 0908
Field Name Acct-Num: Action-CD: CRB Region: Purge Date:
Definition/Description 16-digit card number Status code Region code(s) where the block applies Date the block expires
Figure 7.9 - Foreign Country Authorizations

12/23/05 ECV097R1 PRIMARY ACCT POWERLINK RISK REPORT BIN FOREIGN COUNTRY AUTHORIZATIONS TRAN MERCHANT LOCATION ACQUIRER DATE AMOUNT MCC POS NAME CNTRY CD ENT 12-22-05 85.77 5947 KIWI COUNTRY TE ANAU NZ 554 90 12-22-05 141.00 5912 POINT DOUGLAS WINNIPEG CA 124 01
TIME
14:32:16 11:38:52
Field Name Primary Account: Time: Date: Tran Amount: MCC Code: Merchant Name: Location: Acquir Cntry CD: POS Ent:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Four-digit merchant category code Business name of the merchant City and country of merchant Three-digit currency code Two-digit point-of-sale entry mode code
Figure 7.10 - Risky Merchant Authorizations

12/29/05 ECV097R2 PRIMARY ACCOUNT POWERLINK RISK REPORT BIN VISA RISKY MERCHANT AUTHORIZATIONS TIME 23:25:11 11:49:45 DATE 12-28-2005 12-28-2005 TRAN AMT 14.95 9.94 MCC CODE 4816 4816 MERCH NAME TWX*AOL CSI-AT&T LOCATION 888-889-7201 PORTLAND AQUIRER CNTRY CD 840 840 POS ENT 01 01
DECLINE REASON
BAD EXPR=1005; BAL FILE
Field Name Primary Account: Time: Date: Tran Amount: MCC Code: Merchant Name: Location: Acquir Cntry CD: POS Ent:
Definition/Description 16-digit card number Transaction time Transaction date Transaction amount Four-digit merchant category code Business name of merchant City and state of the merchant Three-digit currency code Two-digit point-of-sale entry mode code
Figure 7.11 - Foreign Country Transactions

12/29/05 VISA SETTLEMENT BIN POWERLINK RISK REPORTING FOREIGN COUTRY TRANSACTIONS CARD NUMBER CTRY TC DESCRIPTION ISSUER AMOUNT AUTH MERCHANT NAME/MSG REIMB CTGY CITY ST TRAN ID SEATTLE WA B 5541
ACCT. SEL AUTH USAGE 05 US 0 5 1 615363550900760
REFERENCE NO DATE SOURCE AMOUNT SALES DRAFT 1228 1.00 1.00
CURR ACQUIRER ID 123456 840
THE STORE 100200300
74023385362010644022885
Field Name Top Row Card Number: TC: Description: Issuer Amount: Auth: Merchant Name/Msg: City: ST: CTRY: Bottom Row Acct. Sel/Auth: Usage: Ref. Number: Date: Source Amount Curr: Acquirer ID: REIMB: Ctgy: Tran ID:
16-digit card number Two-digit transaction identification code Transaction code description Transaction Amount (USD) Six-digit authorization code The merchant DBA name Merchants city of residence Merchants state of residence Merchants country of residence
Indicates ATM account selection Indicates first or second presentment Acquirers 23-digit reference number Transaction date Transaction Amount (origination currency) Three-digit currency code Eight-digit business ID Visa assigned reimbursement attribute Four-digit merchant category code 15-digit transaction identification number
Figure 7.12 - Risky Transactions

12/27/05 ECV124BR2 VISA SETTLEMENT BIN POWERLINK RISK REPORTING RISKY TRANSACTIONS DESCRIPTION ISSUER AMOUNT AUTH MERCH NAME/MSG CITY ST ZIP DATE SOURCE AMOUNT 5.00 5.00 CURR AQUIRER ID THE STORE 10020030 REIMB CTGY TRAN
CARD NUMBER TC CTRY ACCT.SEL AUTH USAGE REFERENCE NO ID 05 98115 US 0 5 1245784512 SALES DRAFT
123456 840
SEATTLE WA A 4816
1 24692165957000327659325 1226
Field Name Top Row: Card Number: TC: Description: Issuer Amount: Auth: Merchant Name/Msg: City: ST: ZIP: CTRY: Bottom Row: Acct. Sel/Auth: Usage: Ref. Number: Date: Source Amount: Curr: Acquirer ID: REIMB: Ctgy: Tran ID:
16-digit card number Two-digit transaction identification code Transaction code description Transaction amount (USD) Six-digit authorization code Business name of merchant Merchants city of residence Merchants state of residence Merchants zip code Merchants country code
Indicates ATM account selection Indicates first or second presentment Acquirers 23-digit reference number Transaction date Transaction amount (foreign currency) Three-digit currency code Eight-digit business ID Visa assigned reimbursement attribute Four-digit merchant category code 15-digit transaction identification number
Figure 7.13 - BIN Profile Risk Parameters

ECV519R1 12/02/05 04:47 POWERLINK INTEGRATED SERVICES VISA BIN PROFILE RISK PARAMETERS REPORT BIN NUMBER: BIN NAME: PAGE 585
============================================================================================ AUTH INDICATOR: SWITCH CARD ACTIVATION: YES VBV PARTICIPANT: YES AUTO ENROLLMENT: YES OVERLIMIT %: 0 BY: BY: BY: SSN LAST 4 SSN ZIP, LAST 4 SSN NO YES, INCLUDING MAIL/TELEPHONE NO SUN: THU: PRISM PARTICIPANT: PRISM HOURS OF OPERATION: THU: RISK REVIEWER INSTRUCTIONS: YES SUN: FRI: MON: SAT: TUE: WED: FRI: THRESHOLD: MON: SAT: TUE: WED: ADDR VERIFICATION: YES ICS INPUT: ONLINE
DECLINE IF CARDHOLDER NOT ENROLLED: DECLINE ON EXPIRATION DT. MISMATCH: CRIS PARTICIPANT: CRIS HOURS OF OPERATION:
OK TO BLOCK EXCEPT FOR DURING CU BUS HRS OF MON-FRI, 5AM - 1PM PST, THEN PLS. FAX
ONLY *USE "01" REFERRAL CODE WHEN UNABLE TO RCH C/H W/SUSPICIOUS ACTIVITY* DAI LY LIMITS: BIN, ACCOUNT BIN DAILY LIMITS: ---------------------------- CASH TRANSACTIONS ----------------------------ATM CASH COUNT AMOUNT 5 QUASI CASH 5 1,000 1,500 OTHER CASH PIN BASED POS POS CASHBACK ON-LINE GAMBLING 0 0
---------------------------- NON -CASH TRANSACTIONS --------------------------AUTO TRAVEL COUNT AMOUNT OTHER PURCHASES COUNT AMOUNT AUTH RESTRICTIONS: COUNTRY MERCHANT POS REL MODE COUNTRY MERCHANT POS OPR AMT CODE 250 ENTRY DATE CAT. CD. 4784 REL MODE OPR AMT CODE 724 MERCHANT NAME 1) GIRLSHOP, INC 08/16/05 CAT. CD. 4784 MERCHANT NAME DAILY TOTAL 30 LODGING RENTALS MAIL/TEL RESTAURANTS MEDICAL ORDERS
ENTRY DATE 2)
3) 5) 7) 9)
4) 6) 8) 10)
Field Name Auth Indicator: Overlimit %: Addr Verification: ICS Input: Card Activation: By: VbV Participant: By: Auto Enrollment: By: Decline if CH Not Enrolled :
Definition/ Description Indicates authorization method Indicates percentage over available to be approved Indicates participation in the address verification service Indicates ICS reporting method used Indicates if customer participates in card activation Criteria used for card activation Indicates if customer participates in Verified by Visa Criteria used for Verified by Visa Enrollment Indicates if customer participates in VbV auto enrollment Criteria used for auto enrollment Indicates is the auth is declined if the ch isnt enrolled in VbV Indicates if auths are declined because of exp dt mismatch Indicates if customer is enrolled in CRIS Indicates fraud score level needed to auto block Indicates CRIS will auto block Indicates if customer is a PRISM participant 24hrs a day, 7 days a week Customer instructions for fraud analysts Indicates participation in daily limits Indicates the total dollar amount and transaction count a financial institution will allow cardholder to use on a daily basis
Decline on Exp. Dt Mismatch: CRIS Participant: Threshold: CRIS Hours of Operation: PRISM Participant: PRISM Hours of Operation: Risk Reviewers Instructions: Daily Limits: BIN Daily Limits: a
Auth Restrictions:
Indicates any authorization restrictions a financial institution has imposed on their BIN.
Additional information concerning field definitions and values can be found in Appendix A - Pemco/Visa Fields and Values at the end of this manual.
Chapter 8 Pemco Technologies Screens and Field Descriptions

Overview
This chapter is a reference guide to the Pemco Processing System Screens. It provides you with both general screen and field descriptions. Each section starts with the main menu and defines the screens and related fields. For specific field values, see Appendix A Pemco/Visa Fields and Values. This chapter is not a procedure guide. Procedures for accomplishing daily tasks are found under the Training Topics section of each chapter.
PowerLink Main Menu Screen (0)
1. Visa: Visa maintenance screens 2. MasterCard MasterCard maintenance screens 3. ATM: ATM maintenance screens 4. Transmission Activity: File Transmission and Connectivity Statistics 6. Cardholder Database: Cardholder information screens 7. Card/PIN Issue: Card/PIN issue and maintenance screens 8. Issuers Clearinghouse: ICS data screens
Visa Menu Screen (1)
Authorization/Limits (1.1) - Inquire and perform maintenance on your balance files and the VisaNet Exception File. Settlements (1.2) - Operation functions, such as chargebacks, retrieval requests, fee collections, cash advances, issuers clearinghouse, fraud advice, and cancel pending outgoing item. Account Maintenance History (1.5) - Displays a detailed history of blocks placed on an account; and a card/pin issue history. VBV Enrollment History (1.6.1) - Displays cardholder enrollment attempts in Verified by Visa
Visa Authorization/Limits Menu Screen (1.1)
Authorization Inquiry (1.1.1) - Inquire on all authorization attempts in the past 45 days. Search for Names of Cardholders (1.1.2) - Search for cardholder card numbers. Positive Limits File (1.1.3) - Inquire and perform maintenance to your Positive Limits File. Negative Limits File (1.1.5) - Inquire and perform maintenance to your Negative Limits File. Authorization Request (1.1.6) - Process an authorization request and receive and authorization code. VisaNet Exception File (1.1.7) - Inquire and perform maintenance to the VisaNet Exception File.
Visa Authorization Inquiry Screen (1.1.1)
Field Name Search Criteria Primary Account: Search BIN: DT (MMDDYY): Auth Type: A = Auths R = Reversals V = Advices I = Issuer Blank = All A=Accepted D=Declined Blank=All
16-digit card number Issuers six-digit BIN Inquiry Date Range
Result:
Action Code: M-Catg: Search Results Top Row: Auth #: Acct #: Date: Time: POS: Amount: Tran Type:
Two-digit approval/decline code Four-digit Merchant Category Code
Six-digit authorization number 16-digit card number Authorization date Authorization time Point of Sale entry mode Authorization amount Who authorized the request
Action Code Search Results Bottom Row: M-Catg: Name/Location: Result Description: Function Keys: F7 F8 Clear F9 Enter
The two-digit code that defines the type of transaction.
Four-digit Merchant Category Code Merchants name and location Authorization result description
Page Up Page Down Refresh Screen Move to the 1.1.3 (Positive File) screen Move to the 1.1.1.A (Authorization Detail) screen
Visa Authorization Name Search Screen (1.1.2)
Field Name BIN: Short Last Name: First initial: Search Results: First: Last: Account: AVS Data: Code: Function Keys: F2 F9 F10 F11
Definition/Description Six-digit BIN First eight characters of the cardholders last name Cardholders first initial
Cardholders first initial First eight characters of the cardholders last name 16-digit card number Cardholders address verification data Two-digit status code
Move to the 1.1.1 (Auth. Inq.) screen. Move to the 1.1.3 (Positive File) screen. Move to the 9.7 (Lost/Stolen) screen. Move to the 7.1.2 (Card base - Update/Inquiry) screen.
F12
Move to the 1.2.2 (Initiate Chargeback/Reversal) screen.
Visa Authorization Positive File Screen (1.1.3)
Field Name Function:
Definition/Description Maintenance action choice (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number Cards expiration date First eight characters of the cardholders last Cardholders first initial Two-digit numeric block code Date the card block expires Letter block code Additional block code information Card Recovery Bulletin Region listing Address Verification Response Data Identifies cardholder enrollment in VbV VbV enrollment date Resets a locked user Available balance in Checking Available balance in Savings Available balance in Credit Count and amount of authorizations today by Pemco
Account Number: Exp MMYY: Short Last Name: First Initial: Action Code: Purge MMYY: Block: Reclass: CRB Region: AVS Data: VBV Enrollment: Date: VBV Reset: Checking Account: Savings Account: Credit Line: Transactions:
name
Reversals: Advices: Function Keys: F1 F8 F9 F10 F11
Count and amount of reversals Count and amount of Visa advices today
Move to the 1.1.7 (VisaNet Exception File) screen Move to the 1.1.1 (Authorization Inquiry) screen Move to the 1.5 (Acct History) Screen Move to the 1.1.5 (Negative File) screen. Move to the BIN/Acct Limits (1.1.3.A) screen
Visa Authorization Negative File Screen (1.1.5)
Definition/Description Maintenance action choice (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number Expiration date of card Cardholders name Tw o-digit block code Date the cards block expires Card Recovery Bulletin Region listing Count and amount of authorizations today by Pemco Count and amount of reversals today Count and amount of Visa advices today
Account Number: Exp MMYY: Name: Action Code: Purge MMYY: CRB Region: Transactions: Reversals: Advices: Function Keys: F1 F8 F9
Move to the 1.1.7 (VisaNet Exception File) screen Move to the 1.1.1 (Authorization Inquiry) screen Move to the 1.1.3 (Positive File) screen
Visa Authorization Request Screen (1.1.6)
Field Name Request Type:
Definition Description Type of Transaction 1 = Purchase, 2 = Purchase, 3 = Reversal Acquirers six-digit BIN 16-digit card number Expiration date of card Three-digit currency code (defaults to 840) Transaction amount Four-digit Merchant Category Code
Acquirer BIN: Account Number: Expire MMYY: Rate: Amount: Merchant Category:
VisaNet Exception File Screen (1.1.7)
Definition/Description Maintenance action choice; (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number Two-digit block code Date the card block expires Card Recovery Bulletin Regions listing
Account Number: Action Code Purge MMYY: CRB Regions: Function Keys: F1 F8 F9 F10
Move to the previous screen Move to the 1.1.1 (Authorization Inquiry) screen Move to the 1.1.3 (Positive File) screen Move to the 1.1.5 (Negative File) screen
Visa Settlement Transactions Screen (1.2)
Initiate Chargeback/Reversal (1.2.2/1.2.2A/1.2.2B) - Search for the transactions and process chargebacks and reversals. Retrieval Request (1.2.3/1.2.3.A)- Request a Visa draft copy Fee Collection (1.2.4) - Initiate a fee collection or funds disbursement Cash Advance Transaction (1.2.5) - Settle a cash advance Interchange Directory (1.2.6) - Search for institution contact information Fraud Advice (1.2.7) - Report a fraud advice to Visa Stop Recurring Payment (1.2.8) - Place a stop payment on recurring transactions Cancel Pending Transaction (1.2.9) - Delete any daily outgoing items
Visa Settlement Chargeback/Chargeback Reversal (1.2.2)
Field Name Account Number: Amount: Reference Number: Tran Code: Pemco MMDDYY: Source File:
Definition/Description 16-digit card number Transaction amount 23-digit reference number assigned by the acquirer Indicates the type of transaction Transaction date range Defines who initiated the transaction; I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa)
Function Keys: F1 F4 F8 F11
Move to the 1.2.3 (Retrieval Request) screen Move to the 1.2.6 (Interchange Directory) screen Move to the 1.2.4 (Fee Collection) screen Manually enter transaction information
Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.A)
Field Name Account Number: Customer (Source) BIN: Reference Number: Orig Tran Code: Trans Code Qualifier: Orig Tran MMDD: Pemco CCYYMMDD Tran Identifier: Multi-Clearing Seq Num:
Definition/Description 16-digit card number six-digit BIN 23-digit reference number assigned by the acquirer Identifies the type of original transaction type
Original transaction date Day the transaction was processed by Pemco 15-digit transaction identification number U.S. customer payment service for passenger Transport transactions where there are multiple transactions for a single authorization Transaction amount in U.S. dollars Transaction currency code Currency conversion rate on transaction date Eight-digit business identification number The name of the merchant Four-digit merchant category code Merchants address
Source Amount: Source Currency CD: Curr Conv Rate: Acquirer Busns ID: Merchant Name: Category: City, State, Zip, Country: Merch Postal CD: Intl Fee Ind:
Indicates transactions settled using the Visa IRF fee schedule or subject to a regional or national program Used in outgoing and incoming interchange
Sttlmt Flag:
Reim Attrib: CRB Xcpt Ind: POS Term Cpbl: POS Entry MD: Floor Limit Ind: ID Method: Auth Code: Auth Char Ind: Excl Tran ID Rsn:
Indicates the reimbursement fee applicable Card Recovery Bulletin status of the transaction Identifies the point of sale terminal capability Identifies how a transaction was entered Indicates a transaction was above/below the floor limit Defines the cardholder identification method Six-digit authorization code Authorization characteristics of the transaction K if no transaction identifier is present and the transaction is being disputed otherwise its blank. CPS status of a transaction Chargeback rights applicable to a transaction Indicates the transaction type Chargeback/reversal reason code Identifies presentment and chargeback Original central processing date of the transaction
Req Pymt Svc: Chargeback Rights: Tran Code: Reason Code: Usage Code: Orig Vic YDDD: Function Keys: F10
Move to the TCR1/1.2.2.B screen
Visa Settlement Initiate Chargeback/Reversal Screen (1.2.2.B)
Field Name Account Number Customer (Source) BIN: Reference Number: Orig Tran Code: Orig Tran MMDD: Pemco CCYYMMDD: Tran Code: Chgbk Ref Num: Doc Ind: Spcl Chgbk Ind: Purch Identifier:
Definition/Description 16-digit card number Six-digit Bank Identification Number 23-digit reference number assigned by the acquirer Identifies the original transaction type Identifies the transaction date Date the transaction was processed by Pemco The code indicating the type of action taken. Six-digit chargeback reference number assigned by the issuer Indicates if supporting documentation is being attached Indicate a full or partial chargeback/reversal Hotel, car rental, and direct marketing transactions. The rental agreement #, order #, or hotel folio # will be listed. Identifies the Purchase Identifier field contents The merchant number Eight-character field identifies the transactions terminal Not currently used Identifies the transaction as mail, telephone, or electronic commerce Indicates if the transaction is a recurring payment Indicates the ATM account selection Indicates the transaction occurred at a cardholder activated terminal
Purch ID Format: Card Accptr ID: Terminal ID: Trace Num: Mail/Tele Ind: Recurr Pymt Ind: ATM Acct Sel: CAT Ind:
Special Cond ID: Auth Source: AVS Respns Code: Prepaid Card Ind: Cash Back Amt No Show Ind: Retreival Request ID: Member message Function Keys: F10
Identifies the floor limit used Identifies the authorization source in TMP and MCAS transactions The Address Verification Response data code Indicates a prepaid card was used Indicates the cash back amount Indicates if the transaction is because of a no show Identifies a copy request was order for this transaction Used to include additional chargeback information (50 chars)
Move to the 1.2.2.A screen.
Visa Settlement Retrieval Request Transaction Screen (1.2.3)
Definition/Description 16-digit card number. Transaction dollar amount 23-digit reference number assigned by the acquirer Two-digit code identifying the transaction type Transaction settlement date Indicates who initiated the transaction I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa)
Function Keys: F1
Move to the 1.2.2 (Chargeback/Reversal) screen

F11
Manually enter transaction information
Visa Settlement Select Original Transaction (1.2.3)
Field Name Account Number: Pemco MMDDYY: TC: Tran MMDD: Tran Amount: Merchant Name: Last 6 Ref#:
Definition/Description 16-digit card number Date the transaction was processed by Pemco Indicates the transaction code Original transaction date Transaction amount Name of the merchant Last six digits of the 23-digit acquirer assigned reference Number
Visa Settlement Initiate Retrieval Request Screen (1.2.3.A)
Field Name Account Number: Customer (Source) BIN: Reference Number: Orig Tran Code: Orig Tran MMDD: Pemco CCYYMMDD: Tran Identifier: Multi Clring Seq Num: Tran Amount: Tran Currency CD: Acquirer Busns ID: POS Entry MD: Term Cap: Merchant Name: Category: City: State: ZIP: Country:
Definition/Description 16-digit card number Issuers Bank Identification Number 23-digit reference number assigned by the acquirer Identifies the original transaction type Original transaction date Date the transaction was processed by Pemco 15-digit transaction identifier number assigned by Visa Identifies the payment service for passenger transport transactions Transaction amount Three-digit currency code Eight-digit acquirer identification number Point of Sale entry mode code Point of Sale terminal capability code Name of the merchant Four-digit merchant category code Merchants city of residence Merchants state of residence Merchants zip code Merchants country of residence
Sttlmt Flag: Reimb Attrib: ATM Acct: Retrieval Req ID: Debit Product CD Excl Tran ID Rsn: Tran Code: Reason Code: Issuer Cntrl Num: Contact for Info: Fax Number:
Settlement flag code Reimbursement attribute code ATM account selection code 12-digit Visa assigned retrieval request identification number Presentments acquired by the VisaNet Debit System Value of K when a transaction identifier is no present Retrieval transaction code Retrieval reason code used Issuers trace number Person to contact concerning the dispute Fax number of contact
Settlement Initiate Fee Collection Screen (1.2.4)
Field Name Tran Code: Event MMDD: Dest BIN: Source BIN: Amount: Currency CD: Reason Code: Message Text:
Definition/Description Two-digit transaction code Event date specified by the reason code BIN the collection/disbursement is directed BIN initiating the collection/disbursement Collection/Disbursement amount Three-digit currency code Collection/Disbursement reason code specified by Visa Required reason code message text
Account Number: Sttlmt Flag: Reimb Attrib: Country CD: Function Key: F8
16-digit card number Settlement flag code Reimbursement attribute code Merchants country code
Move to the 1.2.2 (Chargeback/Reversal) screen
Settlement Initiate Cash Advance Transaction (1.2.5)
Field Name Account Number: Reference Number: Transaction MMDD: Amount: Auth Code: Acquirer BIN: Name: Branch City: State: ZIP: Country: Todays Batch Count: Todays Batch Total:
Definition/Description 16-digit card number 23-digit reference number assigned by the acquirer Transaction Date Cash advance amount Six-digit authorization code BIN of the acquiring institution Acquirers name Acquirers city Acquirers state Acquirers zip code Acquirers country Running count of todays cash advances Running dollar amount of todays cash advances
Settlement Fraud Advice Transaction Screen (1.2.7)
Definition/Description 16-digit card number Transaction amount 23-digit reference number assigned by the acquirer Two-digit transaction code Transaction settlement date Indicates who initiated the transaction I = Incoming Transactions (Received from Visa) 0 = Outgoing Transactions (Initiated by US) P = Pending Transactions (Waiting to be sent to Visa)
Function Keys: F11 Manually enter transaction settlement information
Visa Settlement Initiate Fraud Advice Screen (1.2.7.A)
Field Name Account Number: Customer (Source) BIN: Reference Number: Orig Tran Code: Orig Tran MMDD: Pemco CCYYMMDD: Tran Identifier: Multi Clring Seq Num: Fraud Amount: Fraud Currency CD: Acquirer Busns ID: Merchant Name: Category: City: State: ZIP: Country: Cash Back Amount: Special Cond Ind:
Definition/Description 16-digit card number Issuers Bank Identification Number 23-digit reference number assigned by the acquirer Original transaction code Date of the transaction Date the transaction was processed by Pemco 15-digit identification number assigned by Visa Custom payment identifier for passenger transport transactions Transaction amount Transaction amount currency code Eight-digit number that identifies the acquiring institution Name of the merchant Four-digit merchant category code Merchants city of residence Merchants state of residence Merchants zip code Merchants country of residence Dollar amount of any cash back received Special Condition Indicators, first position is the Risk Identification Indictor, second position is the Merchant Transaction Indicator Pemco Visa Processing System Page 103 of 133
2005 Pemco Technologies Rev.1105
Excl Tr ID Rsn: Reimb Attrib: C.A.T. Ind: Mail/Tele Ind: Card Acceptor ID:
Excluded Transaction Identifier Reason Reimbursement attributes code Identifies a cardholder activated terminal Indicates a mail, telephone, or electronic commerce transaction An acquirer-assigned code representing a merchant, a merchant location, or a specified merchant location terminal. Identification number that identifies the transaction terminal Indicates cash back was received with the transaction 0=unknown; 1=signature; 2=PIN; 3=unattended terminal; 4=mail/phone order Identifies the point-of-sale entry mode used
Term ID: Cash back Ind: Cardholder ID Meth: POS Entry Md: POS Term Cpbl: Tran Code: Fraud Type: Notification Code: Card Expir MMYY: Fraud Invest Stat: Seq. Num: Orig VIC YDDD:
Fraud advice transaction code Fraud type code Notification code Expiration date of card Not currently used The issuer assigned sequence number Transaction original processing date
Visa Account Maintenance History (1.5)
Field Name Prim Acct#: Search on History Type:
Definition/Description 16-digit card number Indicates search information B = Block Codes C = Card Issue
When Searching for Block Information: Name: Date: Time: Action CD Old: Action CD New: CRB Region:
The cardholders name. Maintenance date Maintenance time Action code prior to maintenance Action code following maintenance Card Recovery Bulletin Region A = Asia Pacific B = Central/Eastern Europe, Middle East & Africa C = Canada E = European Union F = Latin American and Caribbean User ID of the person who performed the maintenance The maintenance was performed Indicates if the VisaNet Exception File update was successful Expiration date of the card Date the status is deleted from the VisaNet Exception file
Changed By: Method: Visa Update: Expire Date: Purge Date: When searching for Card/PIN Issue history: Primary Cardholder Name: Secondary Cardholder Name:
Name of primary cardholder Name of secondary cardholder

No. of Cards Issued: Current Card Issue Date: Prior Card Issue Date: Current PIN Issue Date: Card Activation Date: Card Activation Method: Function Keys: F7 8 Clear F9 F10
Total number of cards issued Date of last card issue Date of prior card issue Date of last PIN issue Date the card was activated Method used to activate the card
Page Up Page Down Refresh/remove the screen data Move to the 1.1.3 (Positive File) screen Move to the 1.1.5 (Negative File) screen
Transmission Activity Menu (4)
This menu allows customers to view file transmission activity and their connectivity. 4.1 Screen (Transmission Activity Statistics): Identifies when a financial institution transmits/receives files and their success. 4.2 Screen (Network Status): Identifies a financial institutions connection status, decline, and time out percentage.
Transmission Activity Statistics Screen (4.1)
Field Name TGRP: Seq: Visa/MasterCard/ATM: Date: Time: Fail Date: Fail Time:
Definition/Description Financial institutions transmission group number Sequence number if transmission group number is shared File type relating to card type Date the file was sent or received Time the file was sent or received Date of the last file transmission failure Time of the last file transmission failure
Network Status Screen (4.2)
Field Name FI Name: TGRP: CNNCT Type: Line Status: Appl Resp: Decl %: Time Out%: Function Keys: F7 F8 Clear
Definition/Description Name of the financial institution Financial institutions transmission group number Connection type used by financial institution Connection status between the FI and Pemco Financial Services Connection status between Pemco and the data processor Authorization decline percentage Authorization time out response percentage
Page Up Page Down Clear/refresh the screen
Cardholder Database Menu (6)
This menu allows you to view cardholder contact information and search for card number using an assigned incident number. Cardholder Database Maintenance Screen (6.1)
Definition/Description Type of action required (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number Cardholders social security number Cardholders date of birth Cardholders mothers maiden name Cardholders password (optional) Cardholders member number Cardholders home phone number Cardholders e-mail address
Card Nbr: SSN: DOB: Maid Nm: Password: Memb Nbr: Hm#: E-mail:
Wk#: Name 1: Name 2: Addr 1 & 2: City: State: Zip: Country: Callbk: Status: Financial Institution Notes: Purge MMDDYY: Analyst Notes: Incident #: Caller ID: Date: Time: Accepted: Function Keys: F1 F2
Cardholders work phone number Primary cardholders name Secondary cardholders name Cardholders street address Cardholders city of residence Cardholders state of residence Cardholders zip code Cardholders country of residence Identifies if a Fraud Analyst has requested a call back Indicates if the card is blocked Free form field the financial institution can add any notes Date the notes will purge from our system Notes our fraud analysts make on the cardholders account Six-digit number assigned by Pemco Financial Services Phone number the cardholder call from Date the cardholder calls Time the cardholder calls Indicates if the cardholder authorized the transactions in question
Move to the Cardholder Call Back Search screen (6.1) View the E-mail Alert Sent by the Fraud Analyst
Cardholder Call-Back Search (6.2)
Field Name Search Criteria Incident #: Last Name: Phone #: SSN: Display Information Account: Name: Address: SSN: Phone: Function Keys: F1 F7 F8
Six-digit incident number Cardholders last name Cardholders phone number Cardholders social security number
16-digit card number Cardholders name Cardholders address Cardholders social security number Cardholders phone number
Move to the Cardholder Database Maintenance Screen (6.1) Page Down Page Up
Card/PIN Issue Menu (7)
Screen 7.1 (Visa): Brings you to the Visa Card/PIN Issue Screens Screen 7.2 (MasterCard): Brings you to the MasterCard Card/PIN Issue Screens Screen 7.3 (ATM): Brings you to the ATM Card/PIN Issue Screens Screen 7.8 (Host PIN Verification): This screen stores custom selected PIN offsets Screen 7.9 (Card/PIN Issue Special Handling): Rush, destroy, or reroute a card/PIN issue
Card/PIN Issue Visa Menu (7.1)
7.1.1 Screen (Card/PIN Issue): Allows you to issue cards and PINs. 7.1.2 Screen (Card Base File Update/Inquiry): Maintains your card issue database and allows for file maintenance.* 7.1.5 Screen (Card Activation File Update/Inquiry): Add, delete, or change card activation records.* *participating institutions only
Visa Card/PIN Issue Screen (7.1.1):
Field Name Card Number: Issuer: Card Issue Option:
Definition/Description 16-digit card number Financial institution name Card/PIN Issues choices 0 = PIN only 1 = New or Addtl Card 2 = Replace Card 3 = Reissue Expir Card Y = Yes, N = No Determines card expiration date Four-digit PIN offset for customer selected PINs No longer used Cardholders mailing address Card activation criteria SSN = Social Security Number Phone = Phone Number Maiden = Mothers Maiden Name Member # = Member Number
Send PIN Mailer: Expiration MMYY: Cust Spec PIN Offset: Check Guar: Address 1, 2, and 3: Primary Cardholder Info:
DOB = Date of Birth
Password = Unique Password
1-First & MI: Last: Sec Emboss: SSN: # Cards: Duplicated for 2, 3, and 4 Action Code: Function Keys:
Cardholders first name and middle initial Cardholders last name Secondary emboss line (i.e., business name) Cardholders social security number Number of cards to be issued
Two-digit card status code
F1
Move to the 7.1.2 (Card Base) Screen
Card Base Visa Update/Inquiry Screen (7.1.2)
Definition Description Desired action type (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number financial institution name Determines card expiration date Four-digit PIN offset for customer selected PINs No longer used Cardholder mailing address Card activation criteria SSN = Social Security Number Phone = Phone Number Maiden = Mothers Maiden Name Member # = Member Number
Card Number: Issuer: Expiration MMYY: Cust Spec PIN Offset: Check Guar: Address 1, 2, and 3: Primary Cardholder Info:
DOB = Date of Birth
Password = Unique Password
1-First & MI: Last: Sec Emboss: SSN: # Cards: Duplicated for 2, 3, and 4 Last PIN Issue:
Cardholders first name and middle initial Cardholders last name Secondary emboss line (i.e., business name) Cardholders social security number Number of cards to be issued
Date of the last PIN issued
Suppress Auto Reissue: Last Card Issued: Address Modified: Memo: Action Code: Function Keys:
Y = Yes (Supress), N = No (Do Not Suppress) Date of the last card issued Date of the last address modification Financial institution notes Two-digit card status code Move to the 7.1.1 (Card/PIN Issue) screen
Visa Card Activation Screen (7.1.5)
Definition/Description Desired action type (A)dd, (C)hange, (D)elete, (I)nquire 16-digit card number Financial institution name Card expiration date Cardholders name Cardholders social security number Y = SSN Verified, N = SSN Not Verified Cardholders area code and phone number Y = Phone Verified, N = Phone Not Verified Cardholders mothers maiden name Y = Name Verified, N = Name Not Verified Last four digits of the cardholders SSN Y = SSN Verified, N = SSN Not Verified
Card Number: Issuer: Exp MMYY: Name: SSN#: SSN Verified: Phone AC/NBR Phone Verified: Mothers Maiden Name: Name Verified: Last Four of SSN: SSN Verified:
Date of Birth: DOB Verified: Created: Activated: Current Attempt to Activate: Prior Attempt to Activate: Count of Attempts: Action Code:
Cardholders date of birth Y = DOB Verified, N = DOB Not Verified Displays when and how the card activation record was created Displays when and how the card was activated Displays the last attempt to activate the card Displays the prior attempt to activate the card Displays the total number of activation attempts Two-digit card status code
Issuers Clearinghouse Menu (8)
This menu allows customers to update the Issuers Clearinghouse Service. ICS is a centralized shared database containing information on Visa and MasterCard credit card applicants, incidents of fraud, unauthorized use, and bankruptcy filings. Note: This option only appears for participating institutions. 8.1 Screen (Add, Inquiry, and Declined Applications): Used to update the ICS database 8.2 Screen (Add Application Fraud): Used to add fraud applications to the ICS database 8.3 Screen: Delete Application/Fraud (AD) - Used to delete fraud applications in the ICS database
Issuers Clearinghouse Screen (8.1)
Field Name Record Type:
Definition/Description Type of record you have chosen to enter AA = Add Application AI = Add Inquiry AR = Add Declined App DI = Debit Inquiry The applicants name The applicants social security number The applicants primary address The applicants secondary address The applicants city of residence The applicants state of residence The applicants zip code. The applicants home telephone number A market identifying code assigned by the issuer Issuers Bank Identification Number
Name: Social Security: Primary Address: Secondary Address: City: State: Zip: Telephone: Market Segment Code: Customer (Source) BIN:
Issuers Clearinghouse Add Application Fraud Screen (8.2)
Field Name Name: Social Security: Primary Address: Secondary Address: City: State: Zip: Telephone: Market Segment Code: Fraud Type: Sending ZIP: Account Number: Account Extension: Arrest Code: Case Number: Customer (Source) BIN:
Definition/Description The applicants name The applicants social security number The applicants primary address The applicants secondary address The applicants city of residence The applicants state of residence The applicants zip code The applicants home telephone number A market identifying code assigned by the issuer Fraud type indicating code The issuers zip code 16-digit card number The three-digit account extension Indicates an arrest was associated with fraudulent application The case number assigned by the police The issuers Bank Identification Number
Issuers Clearinghouse Delete Application/Fraud Screen (8.3)
Field Name Name: Social Security: Primary Address: Secondary Address: City: State: Zip: Telephone: Market Segment Code Original Entry Date: Original Locator Number: Customer (Source) BIN: :
Definition/Description The applicants name The applicants social security number The applicants primary address The applicants secondary address The applicants city of residence The applicants state of residence The applicants zip code The applicants home telephone number A letter value assigned by the issuer The date the ICS application was filed Identification number that locates the previously entered data The issuers Bank Identification Number
APPENDIX A Powerlink/Visa Fields and Values

Overview
This appendix lists values for PowerLink/Visa defined fields on PowerLink Reports and Screens. The listing is alphabetic by field name. Most field values are defined by Visa, and can also be found in the Visa USA Operating Regulations or related Visa Data Codes Manual. Field names will sometimes vary by report or screen. If the field name has more than one name variation, then the alternate field name(s) are listed below in parentheses.
Visa Field Name Definitions/Values Acct. Sel

Indicates ATM Account Selection. Values are: (AKA: ATM Acct Sel., ATM Acct.) 0 = Not applicable or unavailable 1 = Savings account 2 = Checking account 3 = Credit card account
Acquirer Busns ID
The eight digit number that identifies the (AKA: Acquirer ID) acquiring institution.
Acquirer Reference Number

A 23-digit identification number associated with (AKA: Ref. Number) every draft and voucher, assigned by the acquirer used to identify the transaction. It consists of a Format Code, BASE Identification Number (BIN), Capture Date, Film Locator, and Check Digit.
Auth
Authorization Source Code. Values are: (AKA: Authorization Source Code) 1 = STIP, time-out response 2 = LCS response; amount below issuer limit 3 = STIP response; issuer in SI mode 4 = STIP response; issuer unavailable 5 = Issuer approval 7 = Acquirer approval; BASE I unavailable 8 = Acquirer approval: referral 9 = No authorization source code; nonauthorized transaction D = Referral; authorization code manually keyed E = Off-line approval; authorization code manually keyed F = CAFIS Generated response; postauthorization (Japan only) G = Issuer approval; post-authorization (Japan only)
Authorization Characteristics
Values are:
Indicator
A = Card Present C = Card present with merchant name and location data (cardholder activated, self-service terminal) E = Card present with merchant name and location data M = Card not present - Direct Marketing (no Address Verification Service - Germany) N = Not a payment service transaction P = Card not present (preferred Customer participation requested) R = Card not present (Address Verification Service not required) V = Card not present (Address Verification Service requested) X = Disqualified custom payment service transaction (Inserted by BASE II)
Authorization Response Codes

Values are: (AKA: Action Code, Code, Action-CD) 00 Approval 01 Referral; call issuer for instructions 02 Referral; special condition 03 Invalid Merchant 04 Pick up card 05 Authorization Decline 07 Pick up card, special condition 12 Invalid Transaction 13 Invalid Amount 14 Invalid card number 15 No such Issuer 19 Re-enter Request 21 Unable to back out transaction. 41 Pick up card, lost card (Response indicates fraudulent use.) 43 Pick up stolen card (Response indicates fraudulent use.) 51 Not sufficient funds 52 No Checking account 53 No Savings account 54 Authorization declined; expired Card 55 Incorrect PIN 57 Transaction not permitted to cardholder. Issuer not availableissuer-specified default response for this type of transaction. 61 Exceeds approval amount (or exceeds both count and amount limits)decline 62 Restricted Card 65 Exceeds withdrawal frequency decline 77 Data contained in a repeat request or reversal message differs from original request 81 Cryptographic error 82 Invalid CVV - decline 83 Unable to verify PIN. PIN must be verified by issuer but issuer not available. 84 Time for Pre-authorization too long 85 No reason to declineaccount number verification request 86 Cannot Verify PIN 91 Issuer not availableissuer specified default response for this type of transaction. 93 Transaction cannot be completed; violation of law 96 System malfunction
AVS Response Code

The Account Verification Service response code. Values are: Space = Not applicable A = Address matches, but ZIP code does not match E = Error response for Merchant Category Code N = Address and ZIP code do not match R = Retry; system unavailable or timed out S = Issuer does not support AVS U = Address information is unavailable W = Nine digit ZIP code matches, but address does not match X = Exact match, address, and nine digit ZIP code match Y = Address and five digit ZIP code match Z = Five digit ZIP code matches, but address does not match
BASE Identification Number

A six digit number used by Visa to identify the (BIN) processing centers and members. BINs are assigned to processing centers operated by members, nonmember processing centers designated by members, the members that operate processing centers, and alias members.
Block Codes/ VISA Action Code Conversion Table

Values are: Block Code Definition VISA Action Code $ VIP 00-Approve A - Address Incorrect 00-Approve B - Bankruptcy 04-Pickup C - Collection 05-Decline D - Deceased 04-Pickup F - Fraud 07-Pickup G- Marital Problem 04-Pickup H - High Balance/ 05-Decline Overdraft I - VIP 00-Approve J - Collection-Skip 04-Pickup K - Closed for Cause 04-Pickup L - Lost 41-Pickup N- Closed-Annual Fee 05-Decline Unpaid P - Pickup Card 04-Pickup Q - Charge Off 04-Pickup S - Stolen 43-Pickup U - Consumer Credit 04-Pickup V - Closed-See File 04-Pickup W - Closed-Duplicate 04-Pickup Account X- Closed-Per 05-Decline Cardholder Y - Collection-Legal 04-Pickup Pursuit Z - Cardholder Dispute 00-Approve
Card Accptr Id
Identifies the merchant number.
Cardholder Activated Terminal

Values are:
Indicator
(AKA: CAT Ind) Space = Not applicable to this transaction 1 = Limited amount terminal 2 = Automated dispensing machine 3 = Self service terminal
Cardholder ID Method
Values are: (AKA: Id Method) Space = Not specified 1 = Signature 2 = PIN 3 = Unattended terminal; No PIN pad 4 = Mail/Telephone
Chargeback Reason Codes

Represents reason codes for chargebacks and requests for copy/originals. Code also represents authorization codes for sales, credits, and cash transactions.
Card Recovery Bulletin Regions

Values are: (AKA: CRB, CRB Region, Region) Code Location 0 - United States A - Asian Pacific B - and E European Union, Central and Eastern Europe, Middle East, and Africa Region. C - Canada F - Latin America and the Caribbean
CRB/Exception File Indicator

Values are: Space = Card Bulletin or Exception File validation not performed I = Insufficient information for validation N= Account Number was not listed in merchants CRB Region or Exception File on purchase date. Y = Account number was listed in merchants CRB region or Exception File on purchase date.
Country Codes
Merchant's Country Code. Consult the Visa (AKA: Ctry) Base II Clearing and Settlement Data Codes Book for codes.
Currency Codes
Issuer code always will be U.S. dollars (840). (AKA: Curr, Curr Code, Acquir Source code will be wherever the Cntry, Rate, Tran Currency Code) transaction occurred. Consult the Visa Base II Clearing and Settlement Data Codes Book for additional codes.
Documentation Indicator
Values are: (AKA: Doc Ind) Space = No documentation required 0 = No chargeback documentation provided 1 = Mailed Documentation to follow 2 = Invalid acquirers reference number was used in prior chargeback record, and no supporting documentation was required or received. 3 = Invalid acquirers reference number was used in prior chargeback record, and supporting documentation was received. 4 = No Supporting documentation was received for prior chargeback.
Dr Prod
This field is included in all non-Visa presentations acquired by the VisaNet Debit System. Values are: 0002-Visa ATM, or 0004Plus ATM.
Excl Tran ID Rsn

This field is used when no Tran Identifier was assigned to the transaction by Visa. This occurs when the transaction is not settled through Visa. The field requires a value to chargeback the transaction when no Tran Identifier is present. Values are: = Tran Identifier present. K = A K value must be input into this field when no Tran Identifier is present, and you wish to chargeback the transaction.
Floor Limit Indicator

Values are: Space = Floor Limit validation not performed A = Above Floor limit by more than 20% B = Below Floor limit by more than 20% C = Above floor limit by 20% or less D = Below floor limit by 20% or less, or at floor limit I = Insufficient information to determine floor limit Z = Zero floor limit
Intl Fee Ind

Indicates if a transaction was settled under the Visa IRF fee schedule or was subject to a regional or national program. Values are: Space = Settled under national or regional program 1 = Settled at the international standard IRF 2 = Settled at the international Pre-PS2000 rate 3 = Settled at the international electron rate
Mail/Telephone or
Values are:
Electronic Indicator
Space = Field not applicable or acquirer did not specify 1 = Single transaction for a mail/telephone or electronic commerce order. 2 = Recurring transaction 3 = Installment payment 4 = Unknown classification/other mail order 5 = Secure Electronic Commerce Transaction with cardholder certificate. 6 = Non-authenticated Security Transaction with SET merchant certificate.
7 = Non-Authenticated Security Transaction without SET merchant certificate, such as a channel-encrypted transaction. 8 = Non-Secure transaction
Merchant Category Code

Identifies the four digit Merchant Category (AKA: Ctgy, Category, MCC Code. Refer to Visa U.S.A. VisaNet Merchant Code) Data Standards Handbook for specific code definitions.
Merchant Name
The merchants DBA name.
Message Type Codes:

Values are: (AKA: Msg Type) 0100 Authorization Request 0120 Authorization Advice 0400 Reversal Request
Multi-Clearing Seq #
Identifies the US Custom payment service for (AKA: Multiple Clearing Seq passenger transport transactions where there Num) are multiple clearing transactions for a single authorization.
Orig Tran Code

Identifies the type of original transaction. Values are: 05 = Sales Draft 06 = Credit Voucher 07 = Cash Advance
Orig Tran MMDD

Identifies the original date of the transaction.
Orig Vic YDDD

Used in reversals only, to indicate the original central processing date of the transaction being reversed.
PCAS Indicator
The Positive Cardholder Authorization Service. Values are: Space = No determination can be made N = Authorization not issued by PCAS
Pemco CCYYMMDD
Identifies the century, year, month, and day the transaction was received at Powe rLink.
POS Entry Mode

Identifies the POS entry mode. Values are: (AKA: POS) Space = not specified 00 = Terminal not used 01 = Key entered 02 = Magnetic Stripe Read. (Track 2 when known or when the terminal makes no distinction between Track 1 and Track 2.) 03 = Bar code read 04 = Optical Character Recognition (OCR) read 05 = Integrated circuit card read 06 = Track 1 read 90 = Complete magnetic stripe read and transmitted (CVV) 95 = Integrated circuit card read data Unreliable
POS Terminal Capability

The point of sale terminal capability code. (AKA: Term Cap) Values are: Space = Not specified 0 = Unknown
1 = No terminal 2 = Magnetic stripe reader. 3 = Bar code reader 4 = Optical Character Recognition (OCR) reader 5 = Integrated circuit card reader 9 = Key entry only; no electronic reading Capability
Purch Identifier
For hotel, car rental, and direct marketing payment service transactions. The rental agreement #. Order #, or hotel #, will be shown .
Purchase Identifier
Values are:
Format
(AKA: Purch Id Format) Space = Free text item description or field not used. 0 = Free text item description or field not used. 1 = Order Number 3 = Rental Agreement Number 4 = Hotel Folio Number
Prepaid Card
Ind Indicates whether a prepaid card was used. Values are: Space = not applicable P = Prepaid card was used
Reason Codes/Chargebacks
The Chargeback/Reversal reason code.
Reversals
Values below reflect the Reason code as it relates to the original transaction type. Transaction Type Tran Code (05) Sales Draft Chargeback 15- Sales Draft Chargeback (06) Credit Voucher Chargeback 16- Credit Voucher Chargeback (07) Cash Advance Chargeback 17- Cash Advance Chargeback
Reason Codes/Request for

Values are:
Copy Originals Transaction Code: Copy of Original Paper 52

Requests: Cardholder Requests Copy Bearing Signature 28 Request for Facsimile Draft of Vehicle 29 Cardholder Dispute, Cardholder Requests Draft 30 Chargeback Documentation 31 Original Lost in Transit 32 Legal Process or Fraud Analysis 33 Repeat Request for Copy 34
Transaction Code: Original Paper 51

Requests: Written Cardholder Demand for Original 35 Legal Process (e.g., subpoena) Specifies Original 36 Copy Previously Sent Illegible 37 Required for Paper/Handwriting Analysis 38 Repeat Request for Original 39 Required for Arbitration 40
Ref. Number
Visa Reference Number that is a 23-digit (AKA: Acquirers Reference Number) number. The lead digit will be a seven (7) or two (2). The BASE Identification Number (BIN) is the six digits following the lead digit. The eighth digit indicates the year, and the following three digits are the capture date in Julian-date format. Digits 12 through 22 indicate the film location of the draft. The final digit is a check digit.
Reimbursement Attribute
Reimbursement Attribute Code One (AKA: Reimb Attrib, Attrib) alphanumeric digit that indicates the reimbursement fees applicable to specific transactions. 0 = Standard Issuers Interchange Reimbursement Fee or Cash Disbursement Reimbursement Fee 1 = Plus ATM Cash Disbursement 2 = Visa ATM cash Disbursement 3 = EPS (U.S. only) 4 = Supermarket Incentive Program (U.S. and Hong Kong only) 5 = Transaction Incentive Interchange Fee (TIIF1) (U.S. and non-originals only) 6 = Electron Visa Interchange Reimbursement Fee/Electron Card Transaction (U.S. and non-originals only) 7 = Terminal Interchange Reimbursement Fee 8 = J. C. Penney (U.S.) 9 = Member operated Data Capture (Asia-Pacific only) A = Payment Service Interchange Reimbursement Fee (PSIRF) Brazil, Germany, Malaysia, and US B = Interregional Pre-PS2000 EU Intraregional Pre-PS2000 Asia-Pacific Electronic Issuers Reimbursement Fee Latin America Electronic Issuers Reimbursement Fee UK Electronic Issuers Reimbursement Fee 94 UK Card Not Present 94 UK Electronic Hot Card File 94 CEMEA Electronic C = EU Airline Transition Rate UK Airline Transition Rate CEMEA Airline D = Delta-only merchant standard Interchange Reimbursement Fee - UK only F = Delta-only merchant Electronic Interchange Reimbursement Fee - UK only G = Plus ATM Cash Disbursement - Tier II H = Visa ATM Cash Disbursement - Tier II I = Reserved for Future use/Draft Data Transactions only J = Electronic Interchange Reimbursement Fee - US only K = CRS/Retail 2 payment service interchange Reimbursement Fee - US only L = Supermarket Standard M-S = Reserved for future use/Draft Data Transactions only. T-Z = Reserved
Requested Payment Service

Identifies the CPS status of a transaction. (AKA: RPS, Req Pymt Svc) Values are: Space = Not a payment service transaction 1 = CPS/Passenger Transport 1 2 = CPS/Passenger Transport 2 3 = CPS/Hotel Preferred Customer 4 = CPS/Hotel 5 = CPS/Auto Rental Preferred Customer 6 = CPS/Auto Rental 7 = CPS/Direct Marketing 8 = CPS/Automated Fuel Dispenser 9 = CPS/ATM A = CPS/Retail including Key Entered and CPS Retail 2. B = CPS/Restaurant - Not US National C = CPS/Retail Credit Card - US National D = CPS/Retail Check Card - US National
Settlement Flag
Values are: 0 = International settlement service 3 = Clearing only service for TC 05,06,07,15,16,17,25,26,27,35,36,and 37 (currently only valid for Sweden) 6 = National Bilateral interchange
7 = International Bilateral Interchange 8 = National Net settlement service 9 = Base II selects the appropriate settlement service based on routing and country default.
Source Amount
The dollar amount of transactions in US funds.
Source Currency CD
Identifies the type of currency associated with the amount of a transaction entered into interchange.
Special Chargeback Indicator

Values are: Space = Field not applicable P = Partial amount chargeback
Special Condition Indicators

Values are: First Position: (Risk Identification Indicator) Space = RIS indicator not required for this merchant 1 = Zero Floor limit 2 = Terminal capable of reading and transmitting the full unaltered contents of the magnetic stripe. 3 = Zero Floor limit and terminal capable of reading and transmitting the full unaltered contents of the magnetic stripe. Second Position: (Merchant Transaction indicator) Space = None of the specified conditions are present. B = Hotel qualifying for a special floor limit of $1000 and permitted to use Status Check Procedure (medium level chargeback protection) D = Hotel permitted to use Status Check procedure with a Floor limit of $500 (lowest level of chargeback protection) F = Facsimile Draft provided H = Visa Lodging Services - Hotel qualifies for the special floor limit (International only) L = Visa Lodging Services merchant S = Hotel or restaurant merchant qualifies for a special floor limit of $1500 and permitted to use Status Check Procedure (highest level of chargeback protection). 8 = Quasi-cash
Terminal Id
The eight character field used to identify the terminal used to process the transaction.
Trace Num
The interface trace number. (AKA: Interface Trace Number)
Tran Identifier
15-digit transaction identifier Visa assigns to (AKA: Tran ID) a retail electronic payment service transaction by the V.I.P. system.
Transaction Code (TC) A two digit transaction code identifying the (AKA: Action Code, Tran Type) type of BASE II
transaction. Values are: 05 = Sales Draft 06 = Credit Voucher 07 = Cash Disbursement 10 = Fee Collection 15 = Sales Chargeback 16 = Credit Chargeback 17 = Cash Chargeback 20 = Funds Disbursement 25 = Sales Reversal 26 = Credit Reversal 27 = Cash Reversal 30 = ICS Input 31 = ICS Response 33 = RDMS/TMP Advices 35 = Sales Chargeback Reversal 36 = Credit Chargeback Reversal
37 = Cash Chargeback Reversal 40 = Fraud Advice 45 = General Delivery Reports 50 = Text Messages 51 = Request for Original 52 = Request for Copy 53 = Request Mailing Confirmations w ith a usage code of 2 (representment), action codes values are: 05 = Sales Draft Repr 06 = Cr Voucher Repr 07 = Cash Ad Repr
Usage Code
Usage code indicates whether this is a first or (AKA: USG CD) second chargeback. Values are: 1 = First chargeback 2 = Second Chargeback

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Pemco Visa Processing System

Chapter 1 Welcome to Pemco ........................................................................................................................................................... 1

Chapter 2 Funds Management and Settlement Processing ....................................................................................................... 3

Chapter 3 Card and PIN Issuance.................................................................................................................................................... 21

Chapter 4 Authorizations ................................................................................................................................................................. 31

Chapter 5 Lost and Stolen Cards.................................................................................................................................................... 41

Chapter 6 Back-Office Functions..................................................................................................................................................... 50

Chapter 7 Fraud Control and Reporting......................................................................................................................................... 63

Chapter 8 Pemco Screens and Field Descriptions...................................................................................................................... 84

APPENDIX A -...................................................................................................................................................................................... 120

Chapter 1 Welcome to Pemco Technologies

Pemco Technologies Products and Services Funds Management

Card/PIN Issuance and Processing

Automated 24-Hour Lost/Stolen Card Service

Fraud Deterrence and Reporting

Card Design and Production

Pemco Technologies Contact Information

Pemco Technologies Card Processing Agreement

Chapter 2 Funds Management and Settlement Processing

Funds Management Funding Methods

Funding Method Time-Frame Procedures

Settlement Processing Incoming and Outgoing Items Procedures

Training Topics Daily Balancing

Pemco Technologies Reports and Descriptions

Daily Settlement Report

INTERCHANGE REIMBURSEMENT FEES ISA FEES TOTAL INTERCHANGE OUTSTANDING CREDIT

Field Name Report Heading Date Transmitted Not Transmitted Net

Reimbursement Fees Total Interchange Outstanding Credit

Total Funds Due to Visa

Incoming/Outgoing Interchange BIN Report

Page 2 - Outgoing Interchange

DESCRIPTION --------------------DRAFT CHARGEBACKS REQUEST COPY

Field Name Description Count Amount Page 3 - Daily Net Interchange

DAILY NET INTERCHANGE NET

240,060.25 3,443.28 CR 42.24 236,659.21 236,659.21

247,407.15 247,422.15 6,523.78 CR 7,361.90 CR 240,883.37 236,659.21

Month-to-date Interchange Summary Report (Monthly & Daily)

ISA FEES 13.9718.1620.7315.5450.0738.4210.548.1343.2322.1714.1416.4212.3821.7622.6322.25350.5421.91-

NET INTERCHANGE 132,289.63 132,804.60136,815.01140,902.35429,519.14129,573.41113,750.85117,841.12541,456.99128,453.23142,582.92124,625.72139,075.03466,946.66145,916.52145,916.523,175,716.59198,482.29-

Field Name Date

Definition/Description Day of the month the report is run

Incoming Interchange business Outgoing Interchange business

Net Interchange calendar Total MTD Avg

COUNT 742 742 742 0.150 33,351 681 7 0.003 0.550 10 9 14 12

0.005 0.080 1.000

GRAND TOTAL ** THIS AMOUNT WILL BE COLLECTED VIA ACH BY MID-MONTH.

Transmitted/Electronic Settlement: Incoming Items Outgoing Items

Charges for incoming items Charges for outgoing items

Fee charged by Visa for each incoming sales draft

Per occurrence charge for use of the lost/stolen reporting

CARD NUMBER TC RPS

MERCHANT NAME/MESSAGE ACQ ID

ATM ACCT SEL USAGE REFERENCE NUMBER FEE PROG IND

DRPROD MER PSTL CD MOTO/ECI

MCC POS AVS ACI RA

SPEC COND IND

56,338.04 612.50 2,050.57 10,656.56

Source Amount: DRProd:

MER PSTL CD: ACQ.ID: TRAN ID: MCC:

143,647 0 _____ 39 _ $ 0 $_______ MANUALLY