FI Card Data Architecture Document Ver 1.5.4.pdf - IDRBT

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Customer Card Data Architecture Version 1.5.4 Specification 30 5.4 Account Info File This file contains information about the account. In Table 21: • The data element 1 Account Status indicates whether an account is active, closed suspended etc. o 0 – Active o 1 – Closed o 2- Suspended • The data element 2 Mode of Operation indicates whether the account is to be operated singly, jointly, either or survivor etc. o 0 – Singly o 1 – Jointly o 2 - Either or Survivor • Data element 3, 4 and 5 are Current balance, Available balance and Drawing Power respectively. o Current balance is the balance in the card after completion of the transaction in the card, irrespective of the synchronization or otherwise with the backend. The current balance will be equal to backend balance on synchronization. o No non cash collections are enabled / considered in the front end. o DP is the limit made available to the customer at the given point of time. o Available balance is the amount available for withdrawal / transaction by the customer. o Current Balance + DP = Available Balance IBA-IDRBT Technical Committee on Open Standards for Financilal Inclusion January 2010
Customer Card Data Architecture Version 1.5.4 Specification 31 • Data element 6 Asset Code (Income recognition and asset classification). RBI has described the following four: o Standard o Sub-standard o Doubtful o Loss Banks may adopt their own numbering scheme based on their guidelines and handle it appropriately in the terminal application. The following framework is recommended. • 0 – Regular • 1 – Temporarily irregular (30 to 60 days) • 2 - Temporarily irregular (60 to 90 days) • 3 - RFU • 4 – Irregular more than 90 days. • 5 – Doubtful up to one year • 6 – Doubtful 1 to 3 years. • 7 – Doubtful more than 3 years • 8 – Loss In case a particular bank may have their own framework as per their CBS they may appropriately map the values. • Data element 8 Manual Override Counter is used as a flag to allow “n” number of manual overrides to fingerprint authentication failures based on the security policy defined by the bank. The value “0” (zero) indicates no manual overrides are permitted and it is to be handled by the terminal application appropriately. • Data element 9 indicates transaction volume in a day to provide for appropriate policy limits as to how much a customer can transact in a day. IBA-IDRBT Technical Committee on Open Standards for Financilal Inclusion January 2010
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FI Card Data Architecture Document Ver 1.5.4.pdf - IDRBT

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