As part of the post-operation process a task is related to the Banking Core System and the Switch. The refunds will be generated based on the finalized TLF/EJ reconciliation process. It should be understood that the generation of the refunds records will take place during the Post-Operation/Reconciliation day but a file for processing the generated refunds will be sent at the end of the business day and prior to Refunds batch processing. Some financial institutions can be done this computer batch process at the mainframe.
One has to generate a file for each authorization BIN (Bank Identification Number) evolved at the ATM operation network. If the authorization BIN is external like VISA or Mastercard, one has to send the refunds at this destination.
Our company proposes that this refunds be applied to each destination through the switch system, but it depends on the financial institution internal policies.
These refunds are detected on the basis of successful withdrawals on TLF but with errors at the ATM, registered at the EJ File. Suppose that 0230 corresponds to a CASH DISPENSER FAILURE STATUS on a Diebold device, the refund and the debit amount are te same. An example of a normal refund is the following:
Ref/Device #=435,EDate=2016/05/04,Tran datetime=2016/05/04 18:36:27, Debit Amt=100000, Refund Amt=100000, Acct.Nbr= 207000015682908, ATM Message=6091010DI01ECBA00000000000000000000475A9128, Rcpt.Nbr=9055,Card=589517- 2070015682908, Auth.Nbr=120, Status=0230
Suppose that 0380 corresponds to a CUSTOMER CAUSED JAM STATUS on a Diebold device, the refund and the debit amount are te same. An example of a manual refund is the following:
Ref/Device #=435,EDate=2016/05/04,Tran datetime=2016/05/03 19:13:17, Debit Amt=100000, Refund Amt=60000, Acct.Nbr= 207000015682908, ATM Message=6091010DI01ECBA00000000000000000000475A9128, Rcpt.Nbr=9005,Card=530712,1505065915-2070015682908, Auth.Nbr=801, Status=0380
In this case, the refund and the debit amount are not the same. Because, the financial institution policy specify that one has to find out notes on the CASH PURGE CASSETTE at first. However, if the financial institution wants better service at this case, this status 0380 is named as normal refund and the notes at the CASH PURGE CASSETTE would be verified later in other verification process. Note that authorization BIN is 801 which corresponds to VISA in the internal coding at the switch system.
According with our proposal, the switch will apply the first refund to the Banking Core System of the financial institution, and the second refund will send to the external (VISA) financial institution through the network, in order to restore the balance at the customer account belongs to the financial institution neither other external.