BWAC Journal

Operations Guide
v5.4

(Revision 001)
Preface
Purpose of this Guide
This guide describes how to use the Journal feature on an ATM with BWAC 5.4 installed.
Intended Audience
This guide is for CR2 technical staff and bank staff who configure and carry out Daily Service on an
ATM that has BWAC installed.
Other Guides
o BankWorld ATM Client Installation Guide 5.4
o BankWorld ATM Client Operations Guide 5.4
o BankWorld ATM Client Kalignite Test Pages Operations Guide 5.4
Other Documents
BankWorld ATM Client Release Notes 5.4
General
The information contained within this guide is issued in confidence and must not be given of
communicated to any third party without the prior written consent of CR2. Recipients of this
document may copy it and use it for internal information purposes only in accordance with the
terns of their agreement with CR2 Group Ltd.

Document Information
Revision History
Author Version/Revision Date Description

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 BWAC Journal Operations Guide v5.4

Copyright Notice
This document is copyright of CR2 Limited 2019. All rights reserved. It is supplied under the terms
of an agreement with CR2 Limited, which provides that it may not be disclosed or used except as
permitted by the agreement or as may be expressly permitted by CR2 Limited. Recipients of this
document may copy it or use it, for internal information purposes only, in accordance with the
terms of their agreement with CR2 Limited.
CR2, BankWorld and the BankWorld logo are trademarks of CR2 Limited.
Other products and company names herein may be the trademarks of their respective owners.

CR2 is a privately held, independent global banking software company, providing specialised
products to the banking industry in more than 60 countries worldwide. Incorporated in Ireland
and founded in 1997, CR2 offers digital and ATM channels that provide personalised services built
upon an integrated, omnichannel, digital banking platform known as BankWorld. Headquartered
in Dublin, Ireland, CR2 has a network of international offices in Amman, Dubai, Bengaluru and
Perth.

Please visit our website or follow us:

Points of Contact
Dublin | CR2 Headquarters
9D Beckett Way, Park West Business Park, Nangor Road, Dublin 12, D12 DE79, Ireland
+353 (0) 1 4339 130
Information and Sales
[email protected]
Additional Office Locations
Amman | Jordan
Queen Rania St 148, Abu Al Haj Commercial Complex, 2nd Floor, Office 207/208, Amman 11193
Bengaluru | India
301, 3rd Floor Raheja Chancery, 133 Brigade Rd, Bengaluru, Karnataka 560025
Dubai | United Arab Emirates
10th Floor, Millennium Plaza Tower Sheikh Zayed Road 62187, Dubai
Perth | Australia
Level 2, 369 Newcastle Street, Northbridge WA 6003

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Table of Contents
Preface .................................................................................................................................................1
Purpose of this Guide.......................................................................................................................1
Intended Audience ...........................................................................................................................1
Other Guides ....................................................................................................................................1
Other Documents.............................................................................................................................1
General .............................................................................................................................................1
Document Information ........................................................................................................................1
Revision History ...............................................................................................................................1
Copyright Notice ..............................................................................................................................2
Points of Contact ..........................................................................................................................2
Additional Office Locations ..........................................................................................................2
Table of Contents .................................................................................................................................3
Chapter 1. Journal Operation Summary ..........................................................................................6
1.1 Introduction...........................................................................................................................6
1.2 Electronic Journal ..................................................................................................................6
1.3 Source ....................................................................................................................................6
1.4 Category ................................................................................................................................7
Chapter 2. Successful Transactions .................................................................................................9
2.1 Overview ...............................................................................................................................9
2.2 Transaction List .....................................................................................................................9
2.2.1 Local Fast Cash #1 ..........................................................................................................9
2.2.2 Local Fast Cash #2 ........................................................................................................12
2.2.3 Local Fast Cash #3 ........................................................................................................14
2.2.4 Local Fast Cash #4 ........................................................................................................15
2.2.5 Network Fast Cash .......................................................................................................16
2.2.6 Local Cash Withdrawal .................................................................................................18
2.2.7 Network Cash Withdrawal ...........................................................................................20
2.2.8 Local Secondary Currency Withdrawal ........................................................................22

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2.2.9 Local Balance Inquiry ...................................................................................................23

2.2.10 Local Mini Statement ...................................................................................................24
2.2.11 Local Funds Transfer ....................................................................................................25
2.2.12 P2P Transfer #1 ............................................................................................................26
2.2.13 Bill Payment by Customer Reference ..........................................................................26
2.2.14 Enhanced Bill Payment #1 ...........................................................................................27
2.2.15 Enhanced Bill Payment #2 ...........................................................................................28
2.2.16 Money Voucher Purchase #1 .......................................................................................28
2.2.17 Money Voucher Purchase #2 .......................................................................................29
2.2.18 Money Voucher Purchase #3 .......................................................................................30
2.2.19 Money Voucher Purchase #4 .......................................................................................31
2.2.20 Money Voucher Redeem .............................................................................................33
2.2.21 Mobile Top Up .............................................................................................................34
2.2.22 Envelope Deposit - Cash ..............................................................................................35
2.2.23 PIN Change ...................................................................................................................35
2.2.24 SMS Registration ..........................................................................................................36
2.2.25 Internet Registration ....................................................................................................36
2.2.26 Notifications .................................................................................................................37
2.2.27 Regular Payment ..........................................................................................................37
2.2.28 Survey...........................................................................................................................38
2.2.29 Chequebook Request ...................................................................................................38
2.2.30 Statement Request ......................................................................................................39
Chapter 3. Unsuccessful Transactions ...........................................................................................40
3.1 Overview .............................................................................................................................40
3.2 Unsuccessful Transactions ..................................................................................................40
3.2.1 Cardholder Time-out....................................................................................................40
3.2.2 System Malfunction .....................................................................................................40
3.2.3 Do Not Honour .............................................................................................................41
3.2.4 Incorrect PIN ................................................................................................................42
3.2.5 PIN Retries Exhausted ..................................................................................................42

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3.2.6 Cash Retraction #1 .......................................................................................................43

3.2.7 Cash Retraction #2 .......................................................................................................44
3.2.8 Power Failure ...............................................................................................................45
3.2.9 Cash Presentation Failure ............................................................................................47
3.2.10 Communication Links Down - MV Purchase ................................................................48
3.2.11 Cancelled Transaction - Network Cash Withdrawal ....................................................49
Chapter 4. Administrator Procedures............................................................................................51
4.1 Overview .............................................................................................................................51
4.2 Administrator Procedures ...................................................................................................51
4.2.1 Daily Service - Part 1 ....................................................................................................51
4.2.2 Daily Service - Part 2 ....................................................................................................55
4.2.3 Daily Service - Dual Dispenser......................................................................................57
4.3 Add Cash ..............................................................................................................................60
4.3.1 Print GL Cash Totals .....................................................................................................62
4.3.2 ATM Restart .................................................................................................................64
4.4 Authorise .............................................................................................................................66
4.5 Error Codes ..........................................................................................................................66
4.5.1 Card Reader..................................................................................................................66
4.5.2 Cash Dispenser .............................................................................................................67

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Chapter 1. Journal Operation Summary

1.1 Introduction
BWAC maintains a comprehensive record of all transactions, events, state changes and activities
that take place on an ATM. This comprehensive record is known as the Journal, and is stored on
two different mediums:
o Printed on a paper roll in the ATM (optional)
o Written to an MS Access database on the ATM’s hard disk
The information recorded on both mediums is identical. During a Daily Service, the bank operator
tears off and signs the used paper roll for storage at the bank. At the same time, BWAC archives
the electronic copy for safekeeping and future uploading by the bank.
BWAC uses the Journal to record everything significant that happens at an ATM from cash
withdrawals, to communications losses, from deposits to card captures, from hardware errors to
ATM reboots.
The Journal is primarily a legal document for a bank to investigate disputed transactions. Many
central banks require the ATM to produce a hard copy record of transactions carried out at an
ATM. However, some banks also use the Journal for reconciliation purposes.
1.2 Electronic Journal
BWAC writes data found in the Paper Journal to the ‘Text’ column of the Electronic Journal, which
also contains the following DB columns:
o ID: uniquely identifies every row in the journal database
o Type: value is always set to ‘0’
o Category: value is always set to ‘0’
o Module: column contains the name of the BWAC component that wrote to the journal
o Date: indicates date and time the line was printed on the journal - time stamp has the
following format: ‘DD/MM/YYYY HH:MM:SS’
1.3 Source
Journal information comes from a number of different sources, such as the bank’s host system or
one of the ATM’s devices.
The Journal uses a three-letter acronym to identify the source of an action or event at the ATM –
see below:

Sources Journal Entry Description

ATM Result of an action by the ATM application (i.e. BWAC) e.g. reading the card tracks, dispensing cash, etc.

HDW Response received from a hardware device

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HST Response received from the sub-host (BW, Sparrow) over the ATM’s controller channel

SUP Result of an action by the administrator using the ATM in Supervisor mode. E.g. Adding cash to the cassettes

USR Action by a cardholder or indeed any user of the ATM e.g. inserting a card, selecting a service, etc.

WEB Response received from the sub-host (BW) over the ATM’s web channel

The source’s keyword allows the bank to use scripts to extract/hide information from a certain
source if searching the electronic journal. For example, if the bank wants journal views without
user actions, it can use a script to filter out the ‘USR’ keywords.
1.4 Category
The journal uses a series of three-letter acronyms (TLAs) to identify categories for the events,
actions, operations and errors that can occur on the ATM.
The categories provide a mechanism for identifying a particular Transaction Type and the entries
associated with that Transaction Type.
It will be possible to use the categories to generate reports from the e-journal database that show
the transactional activity at the ATM.
For example, a script that searches the journal for the category ‘LSV’ would find all transactions
carried out by local cardholders at the ATM.
The following categories are defined:

Category Journal Entry Description

ACC Account debited by a transaction

AMT Transaction amount and currency

ANO Anonymous user

ASV Anonymous Service - transaction carried out by an unknown user without a card e.g. redeeming a Money
Voucher, paying a bill, etc.

BKI Bank Instruction

CHQ Cheque event or action

CRD Card event or action (e.g. inserted, taken)

CSH Cash event or action (e.g. stacked, presented)

DST Destination account number, type or mobile phone number

DSV Daily Service procedure

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ENV Envelope event or action

ERR Error Message

FUN Non-cash transaction (e.g. mobile top up, funds transfer)

HSA Host System Authorised - transaction approved by the online host system

HSQ Host System Query results or messages

IDL IDLE loop - when there are no transactions in progress, the ATM executes its idle loop

LCU Logical Cassette Unit

LSV Local Service - transaction carried out by a local cardholder e.g. cash withdrawal, funds transfer, etc.

MSG Informational Message

NSV Network Service - transaction carried out by a network cardholder e.g. cash withdrawal, bill payment, etc.

OFA Transaction was offline approved

PHO Photograph event or action

RCT Receipt event or action

REF Reference entered or selected by the user

SAF Store and Forward event

SOH State of Health

SRC Source Account Number or Type

TMO Transaction timed out while waiting for authorisation from host

TXN Transaction Details

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Chapter 2. Successful Transactions

2.1 Overview
The following sections show what is printed on the journal for successful transactions. For each
transaction, assume the cardholder inserted their card into a motorised card reader on an ATM
fitted with a stacker cash dispenser (unless stated otherwise).
2.2 Transaction List
2.2.1 Local Fast Cash #1
The journal extract for a Fast Cash withdrawal by a local cardholder is shown below:

1 ATM 17:50:34 IDL - - - 4.0.3.0 - - - -

2 USR 17:53:20 CRD IN 26/08/13 ATM[8184]

3 ATM 17:53:20 CRD MAG 848848 *******0004 1

4 USR 17:53:54 LSV FAST CASH SG:A

5 ATM 17:53:59 TXN SG:A [0005] [000181]

6 USR 17:53:59 SRC 2009030200012

7 USR 17:53:59 AMT EUR 20.00

8 HST 17:54:01 HSA Auth code [ ]

9 HST 17:54:01 HSA [212916260113] [260113]

10 HDW 17:54:01 MSG CASH STACKED []

11 USR 17:54:02 CRD TAKEN

12 HDW 17:54:04 CSH PRESENTED 26/08/2013

13 USR 17:54:14 CSH TAKEN 26/08/2013

14 ATM 17:54:14 LCU ID DENOM MX LEFT

15 ATM 17:54:14 LCU REJ 02 00006

16 ATM 17:54:14 LCU 1 20 01 00096

17 ATM 17:54:14 LCU 2 50 00 00098

18 ATM 17:54:14 LCU 3 00 00 00000

19 ATM 17:54:17 IDL - - - 4.0.3.0 - - - -

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o Line 1 shows the time the ATM re-entered its idle loop after a previous transaction and the
BWAC version running on this ATM.
o Line 2 records that the date & time when a card was inserted into ATM 8184. This line
appears in the journal when the ATM detected a card in its card reader. The time
difference between lines 1 & 2 indicates how long the ATM has been idle.
o Line 3 provides details of the user’s card as read by the ATM:
‘MAG’ indicates that the ATM read the track details from the card’s magnetic stripe.
‘848848’ is the IMD of institution that issued the card.
‘******0004’ is the number of card inserted into the ATM digits (# mask in place for PCI
compliance).
‘1’ is the card sequence number.
o Line 4 provides information on the local service selected by the cardholder at the ATM. The
information includes the Transaction Type, the settlement group that the card belongs to
and the sequence number of the transaction.
‘FAST CASH’ - service selected by the cardholder at ATM
‘SG:A’ - card belongs to settlement group A. By default, local cards used in local branches
are members of settlement group A.
o Line 5 indicates the source account for the transaction; that is the account to be debited.
The account number is known only for local cards. For network cards, the account type is
recorded here.
‘SG:A’ - card’s BIN belongs to settlement group A. By default, local cards used in local
branches are members of settlement group A.
‘[0005]’ – Transaction sequence number
‘[000181]’ – System Trace Audit Number (STAN)
o Line 6 indicates the funding (debit) account for the transaction (local cards only). For
network cards, BWAC records the account type.
o Line 7 records the currency & the withdrawal amount that the cardholder requested.
o Line 8 indicates that the transaction was authorised by an online host. If the host returned
an authorisation code to the ATM, it is recorded here. Empty brackets indicate that an
authorisation code was not provided. Possible journal entries that can be recorded at this
point are:
‘HAS’ - the transaction was authorised by an online host
‘OFA’ - the transaction was authorised offline by the ATM
‘TMO’ - transaction timed out while waiting for an authorisation response from the host. In
this case, the transaction is terminated and a suspect reversal is sent to the host.

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o Line 9 records the RRN and STAN that were provided in the authorisation response from the
sub-host. Up to 12 digits of the RRN are recorded. This line will contain empty brackets ‘[ ]’ if
the RRN and/or STAN were not received in the response.
o Line 10 indicates that the ATM has successfully mixed & stacked the requested amount. This is
an important checkpoint in the transaction cycle. This line does not appear on ATMs with
spray cash dispensers.
o Line 11 indicates that the card has been removed from the ATM by the cardholder.
o Line 12 indicates the ATM has successfully moved the cash from its safe to the presentation
slot at the front of the ATM. The cardholder now has access to the cash. The date is also
recorded on this line.
o Line 13 indicates that the cardholder had taken the cash from the ATM’s presentation slot. The
date is also recorded on this line.
o Line 14 prints the column headings for the next 4 journal lines.
‘ID’ – Logical Cassette ID
‘DENOM’ – Note denomination
‘MX’ – Number of notes of this denomination that were dispensed
‘LEFT’ – Number of notes of this denomination left in the cassette at end of the transaction
o Line 15 provides an estimate of the number of notes moved to the REJECT bin during the
transaction and the total number of notes in the REJECT bin at the end of the transaction. This
number is an estimate because the ATM does not have a mechanism to count notes sent to
the reject bin.
Note: It is not unusual for notes to be rejected during a successful transaction. This can happen if
the ATM has been loaded with poor quality notes. Poor quality notes may be torn or folded at the
corners. When the cash unit picks a note, two or more may stick together and the number of
notes placed on the stacker will exceed the requested amount. When the sensors on the stacker
detect this, the notes are rejected and the ATM attempts to pick the correct number of notes
again.
o Line 16 indicates the number of dispensed notes from LOGICAL CASSETTE TYPE 1 and the
number remaining at the end of the transaction.
o Line 17 indicates the number of dispensed notes from LOGICAL CASSETTE TYPE 2 and the
number remaining at the end of the transaction.
o Line 18 indicates the number of dispensed notes from LOGICAL CASSETTE TYPE 3 and the
number remaining at the end of the transaction.
o Line 19 indicates the time that the ATM re-entered its idle loop after the ATM session had
finished.

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2.2.2 Local Fast Cash #2

The journal extract for a Fast Cash transaction on an ATM fitted with cameras is shown below. The
journal has additional entries that indicate when one of the ATM’s cameras was triggered:

1 ATM 17:50:34 IDL - - 4.0.3.0 - - - -

2 USR 17:53:20 CRD IN 26/08/13 ATM[9888]

3 ATM 17:53:20 CRD MAG 848848 *******0004 1

4 ATM 17:53:21 PHO 08052012_175318747.jpg

5 ATM 17:53:21 PHO 11002072753102682323

6 USR 17:53:48 LSV FAST CASH SG:A

7 ATM 17:53:53 TXN SG:A [0006] [000182]

8 USR 17:53:53 SRC 2009030200012

9 USR 17:53:53 AMT EUR 20.00

10 HST 17:53:55 HSA Auth code[ ]

11 HST 17:53:55 HSA [212916260113] [260113]

12 HDW 17:53:55 MSG CASH STACKED []

13 USR 17:53:56 CRD TAKEN

14 ATM 17:53:57 PHO 08052012_175401624.jpg

15 ATM 17:53:57 PHO 92324974957202802188

16 HDW 17:53:58 CSH PRESENTED 26/08/2013

17 ATM 17:53:58 PHO 08052012_175402343.jpg

18 ATM 17:53:58 PHO 29790588621931353402

19 USR 17:54:08 CSH TAKEN 26/08/2013

20 ATM 17:54:08 PHO 08052012_175401624.jpg

21 ATM 17:54:08 PHO 92324974957202802188

22 ATM 17:54:08 LCU ID DENOM MX LEFT

23 ATM 17:54:08 LCU REJ 00 00004

24 ATM 17:54:08 LCU RET 00 00000

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25 ATM 17:54:08 LCU 3 20 01 00096

26 ATM 17:54:08 LCU 4 50 00 00098

27 ATM 17:54:08 LCU 5 00 00 00000

28 ATM 17:54:08 LCU 6 00 00 00000

29 ATM 17:54:11 IDL - - - 4.0.3.0 - - - -

This Fast Cash transaction is similar to the previous example above, except it was on an ATM
equipped with cameras and installed with the BWAC Camera module.
o Line 4 records the JPG filename of the photo taken when a card was inserted into the ATM.
o Line 5 records the checksum that the ATM calculated for the photo taken when a card was
inserted. If the photo is subsequently tampered with, it will produce a different checksum.
o Line 14 records the JPG filename of the photo taken when the card was removed from the
ATM.
o Line 15 records the checksum that the ATM calculated for the photo taken when the card was
removed.
o Line 17 records the JPG filename of the photo taken when cash was presented to the
cardholder.
o Line 18 records the checksum that the ATM calculated for the photo taken when the cash was
presented.
o Line 20 records the JPG filename of the photo taken when cash was removed from the
presentation slot by the cardholder.
o Line 21 records the checksum that the ATM calculated for the photo taken when the cash was
removed.
o Line 23 provides an estimate of the number of notes moved to the REJECT bin during the
transaction and the total number of notes in the REJECT bin at the end of the transaction. This
number is an estimate because the ATM does not have a mechanism to count notes sent to
the reject bin.
o Line 24 provides an estimate of the number of notes that were retracted during the
transaction and the total number of notes in the RETRACT bin at the end of the transaction.
This number is an estimate because the ATM does not have a mechanism to count notes that
are sent to the retract bin.
o Lines 25-28 indicate the number of notes dispensed from each LOGICAL CASH UNIT and the
number remaining at the end of the transaction.
o Lines 24-27 indicate the number of notes dispensed from each LOGICAL CASH UNIT and the
number remaining at the end of the transaction.

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2.2.3 Local Fast Cash #3

The journal extract for a Fast Cash withdrawal by a local cardholder at an ATM fitted with a DIP
card reader and a spray cash dispenser, is shown below. The cardholder uses a magnetic stripe
card to withdraw the cash.

1 ATM 17:50:34 IDL - - - 4.0.3.0 - - - -

2 USR 17:53:20 CRD IN 6/08/13 ATM[4620]

3 USR 17:53:24 CRD TAKEN

4 ATM 17:53:24 CRD MAG 848848 *******00222 1

5 USR 17:53:52 LSV FAST CASH SG:A

6 ATM 17:53:57 TXN SG:A [0007] [000183]

7 USR 17:53:58 SRC 2009030200012

8 USR 17:53:59 AMT EUR 20.00

9 HST 17:54:01 HSA Auth code[640788]

10 HST 17:54:01 HSA [212916260113] [260113]

11 HDW 17:54:04 CSH PRESENTED 26/08/2012

12 ATM 17:54:14 LCU ID DENOM MX LEFT

13 ATM 17:54:14 LCU REJ 00 00004

14 ATM 17:54:14 LCU RET 00 00000

15 ATM 17:54:14 LCU 3 20 01 00096

16 ATM 17:54:14 LCU 4 50 00 00098

17 ATM 17:54:14 LCU 5 00 00 00000

18 ATM 17:54:14 LCU 6 00 00 00000

19 ATM 17:54:17 IDL - - - 4.0.3.0 - - - -

o Line 2 records that the date & time when a card was inserted into ATM 4620.
o Line 3 records that the cardholder removed the card BEFORE performing a transaction at the
ATM. This line will appear on the journal if the ATM is fitted with a DIP card reader and the
cardholder inserted a magnetic stripe card. A DIP card reader reads the card’s magnetic stripe
as it is being removed. The ATM prompts the cardholder to remove the card before starting
the transaction.

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o Line 4 records the card type, IMD of the card issuer, the masked PAN and the card sequence
number.
o Line 5 records the service selected by the cardholder, the settlement group that the card
belongs to and the transaction sequence number.
o Line 6 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
‘SG:A’ – indicates that the card’s BIN belongs to settlement group A. By default, local cards
used in local branches are members of settlement group A.
‘[0007]’ – Transaction sequence number
‘[000183]’ – System Trace Audit Number
o Line 7 records the account debited by the transaction (Note: the account number is known for
local cards only). For network cards, the account type is indicated here.
o Line 8 records the currency & the amount of cash that the cardholder requested.
o Line 9 indicates that the transaction was authorised online. The authorisation code is recorded
if it was provided in the response from the sub-host.
o Line 10 records the RRN and (sub-host) STAN if provided in the response from the sub-host.
This line will contain empty brackets ‘[ ]’ if the RRN and/or STAN was not received in the
response.
o Line 11 indicates that the ATM has presented the cash to the cardholder.
o Lines 12-18 provide a summary of the cash remaining in the ATM’s cassettes when the
transaction has completed.
2.2.4 Local Fast Cash #4
The journal extract for a Fast Cash withdrawal by a local cardholder on an ATM with dual cash
dispensers is shown below:

1 ATM 17:50:34 IDL - - - 4.0.3.0 - - - -

2 USR 17:53:20 CRD IN 26/08/13 ATM[8654]

3 ATM 17:53:20 CRD MAG 848848 *******0000 3

5 ATM 17:53:59 TXN SG:A [0008] [000185]

6 USR 17:53:59 SRC 2009030200012

7 USR 17:53:59 AMT EUR 20.00

8 HST 17:54:01 HSA Auth code[ ]

9 HST 17:54:01 HSA [212916260113] [260113]

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10 HDW 17:54:01 MSG CASH STACKED [right]

11 USR 17:54:02 CRD TAKEN

12 HDW 17:54:04 CSH PRESENTED 26/08/2013

13 USR 17:54:14 CSH TAKEN 26/08/2013

14 ATM 17:54:14 LCU ID DENOM MX LEFT

15 ATM 17:54:14 LCU REJ 00 00006

16 ATM 17:54:14 LCU 1 10 00 00095

17 ATM 17:54:14 LCU 2 20 01 00096

18 ATM 17:54:14 LCU 3 50 00 00098

19 ATM 17:54:17 IDL - - 4.0.3.0 - - - -

This journal extract is almost identical to the extract for a Fast Cash transaction carried out on an
ATM with a single dispenser.
o Lines 1-9 are standard for a Fast Cash transaction.
o Line 10 indicates that the ATM has successfully mixed & stacked the requested amount. The
dispenser used to mix the requested amount is recorded in the brackets [ ].
o Lines 11-13 are standard for a Fast Cash transaction carried out on an ATM.
o Lines 14-18 indicate the number of notes dispensed from each LOGICAL CASH UNIT and the
number remaining at the end of the transaction. A logical cash unit may contain physical
cassettes from the left and right dispenser.
2.2.5 Network Fast Cash
The journal extract for a Fast Cash withdrawal by a network cardholder is shown below:

1 ATM 17:50:34 IDL - - - 4.0.3.0 - - - -

2 USR 17:53:20 CRD IN 26/08/13 ATM[9888]

3 ATM 17:53:20 CRD MAG 632116 *******4838 1

4 USR 17:53:54 NSV FAST CASH SG:B

5 ATM 17:53:59 TXN SG:B [0005] [000192]

6 USR 17:53:59 SRC TYPE 1

7 USR 17:53:59 AMT EUR 70.00

8 ATM 17:54:01 SAF LORO[0006] FOR TXN[0005]

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9 HST 17:54:02 HSA Auth code[416828]

10 HST 17:54:02 HSA [212916260113] [260113]

11 HDW 17:54:08 MSG CASH STACKED []

12 USR 17:54:15 CRD TAKEN

13 HDW 17:54:18 CSH PRESENTED 26/08/2013

14 USR 17:54:20 CSH TAKEN 26/08/2013

15 ATM 17:54:21 LCU ID DENOM MX LEFT

16 ATM 17:54:21 LCU REJ 00 00005

17 ATM 17:54:21 LCU RET 00 00000

18 ATM 17:54:21 LCU 3 20 01 00196

19 ATM 17:54:21 LCU 4 50 01 00197

20 HST 17:54:32 SAF REC UPLOADED 26/08/2013

21 HST 17:54:32 SAF Loro_0006_Request

22 ATM 17:54:36 IDL - - - 4.0.3.0 - - - -

o Line 3 provides details of the track data as read by ATM. The IMD of the card issuer is 632116.
For PCI compliance, only four digits of the PAN are printed. The card’s sequence number is ‘1’.
o Line 4 provides details of the service selected by the network cardholder.
‘FAST CASH’ – network cardholder selected the Fast Cash service.
‘SG:B’ – the card’s BIN is part of settlement group B.
o Line 5 provides more details on the transaction including settlement group that the card’s BIN
belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
‘SG:B’ - Settlement group B
‘[0005]’ – Transaction sequence number
‘[000192]’ – System Trace Audit Number (STAN)
o Line 6 records the account type debited by this transaction. The account number is unknown
for network cards.
o Line 7 records the currency & the amount of cash that the cardholder wishes to withdraw.

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o Line 8 indicates that the ATM created (but did not send) a LORO for the cash withdrawal
transaction. The LORO sequence number and the cash withdrawal sequence number are also
recorded on this line.
o Line 9 indicates that the transaction was authorised online. The authorisation code is printed
if it was provided in the response from the sub-host.
o Line 10 records the RRN and (sub-host) STAN provided in the response from the sub-host.
o Line 11 indicates that the ATM has successfully mixed & stacked the requested amount. This
is an important checkpoint in the transaction cycle.
o Line 12 indicates that the cardholder removed the card from the ATM.
o Line 13 indicates that the ATM has successfully moved the cash from its safe to the
presentation slot. The cardholder now has access to the cash. The date is also recorded on
this line.
o Line 14 indicates that the cardholder took the cash from the ATM’s presentation slot. The
date is also recorded on this line.
o Lines 15-19 give a breakdown of the cash dispensed and the amount of each denomination
remaining in the ATM at the end of the transaction.
o Lines 20-21 indicate that a LORO message was successfully sent to the sub-host for the cash
withdrawal transaction. Sometimes these lines may not appear until a later point in the
journal. They are printed as soon as a successful acknowledgement is received from the sub-
host, which could be any time after the transaction. Sometimes it will be necessary to look
further down the journal roll to find a matching LORO for a transaction.
BWAC sends a LORO message to the sub-host when the ATM dispenses cash on behalf of another
issuer. It is a Force Post message sent via the ATM’s Store and Forward (SAF) mechanism. When a
message is placed in the SAF, the ATM will make repeated attempts to send the message to the
sub-host. The ATM removes the message from the SAF when an acknowledgement is received for
the LORO.
2.2.6 Local Cash Withdrawal
The journal extract for a cash withdrawal by a local cardholder is shown below:

1 ATM 12:42:16 IDL - - - 4.0.1.9.0 - - - -

2 USR 12:42:16 CRD IN 18/06/12 ATM[9888]

3 ATM 12:42:16 CRD MAG 848848 *******0004 1

4 USR 12:42:16 LSV WITHDRAW SG:A [0003]

5 USR 12:42:16 SRC 2009030202222

6 USR 12:42:16 AMT EUR 20.00

7 HST 12:42:17 HSA Auth code[477923]

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8 HST 12:42:17 HSA [210911238731] [238731]

9 HDW 12:42:21 MSG CASH STACKED

10 USR 12:42:24 CRD TAKEN

11 HDW 12:42:32 CSH PRESENTED 18/06/2012

12 USR 12:42:33 CSH TAKEN 18/06/2012

13 ATM 12:42:33 LCU ID DENOM MX LEFT

14 ATM 12:42:33 LCU RET 00 00000

15 ATM 12:42:33 LCU REJ 00 00002

16 ATM 12:42:33 LCU 3 20 01 00096

17 ATM 12:42:33 LCU 4 50 00 00098

18 ATM 12:42:33 LCU 5 00 00 00000

19 ATM 12:42:33 LCU 6 00 00 00000

20 ATM 12:42:35 IDL - - - 4.0.1.9.0 - - - -

o Line 3 provides details of the track data read from the card. The IMD of the card issuer is
848848. Only 4 digits of the PAN are printed for PCI compliance reasons. The card’s sequence
number is 1.
o Line 4 records that the cardholder selected the cash withdrawal service. The line also records
that the settlement group that the card’s BIN belongs to.
o Line 5 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 6 records the account debited by the transaction. The account number is printed only for
local cards. For network cards, the account type is indicated here.
o Line 7 records the currency & the amount of cash that the cardholder requested.
o Line 8 indicates that the transaction was authorised online. The authorisation code is recorded
in the square brackets if it was provided in the response from the sub-host.
o Line 9 records the RRN and (sub-host) STAN provided in the response from the sub-host.
o Line 10 indicates that the ATM has successfully mixed and stacked the requested amount. This
is an important checkpoint in the transaction cycle.
o Line 11 indicates that the card was removed from the ATM by the cardholder.
o Line 12 indicates that the ATM has successfully moved the cash from its safe to the
presentation slot. The cardholder now has access to the cash. The date is also recorded on this
line.

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o Line 13 indicates that the cardholder took the cash from the ATM’s presentation slot. The date
is also recorded on this line.
o Lines 14-20 give a breakdown of the dispensed cash and the amount of each denomination
remaining in the ATM after the transaction.
2.2.7 Network Cash Withdrawal
The journal extract for a cash withdrawal by a network cardholder is shown below:

1 ATM 12:42:08 IDL - - - 4.0.3.0 - - - -

2 USR 12:42:12 CRD IN 26/08/13 ATM[8184]

3 ATM 12:42:12 CRD EMV 466848 *******0004 1

4 USR 12:42:23 NSV WITHDRAW SG:D

5 ATM 12:42:28 TXN SG:D [0006] [000195]

6 USR 12:42:28 SRC ACC TYPE 1

7 USR 12:42:28 AMT EUR 20.00

8 ATM 12:42:33 HST Response Code [00]

9 HST 12:42:34 HSA Auth code[656124]

10 HST 12:42:34 HSA [210911853244] [853244]

11 ATM 12:42:40 SAF LORO[0007] FOR TXN[0006]

12 HDW 12:42:41 MSG CASH STACKED []

13 ATM 12:42:48 CRD TAKEN

14 HDW 12:42:52 CSH PRESENTED 26/08/2013

15 USR 12:42:57 CSH TAKEN 26/08/2013

16 ATM 12:42:58 LCU ID DENOM MX LEFT

17 ATM 12:42:58 LCU REJ 00 00002

18 ATM 12:42:58 LCU RET 00 00000

19 ATM 12:42:58 LCU 3 20 01 00096

20 ATM 12:42:58 LCU 4 50 00 00098

21 HST 12:42:58 SAF REC UPLOADED 26/08/2013

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22 HST 12:42:58 SAF Loro_0007_Request

23 ATM 12:43:00 IDL - - - 4.0.3.0 - - - -

o Line 3 provides details of the track data read from the EMV chip card. The IMD of the card
issuer is 466848. Only 4 digits of the PAN are printed for PCI compliance reasons. The card’s
sequence number is 1.
o Line 4 records that the network cardholder selected the cash withdrawal service. The line also
records that the settlement group that the card’s BIN belongs to.
o Line 5 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 6 records the account type debited by the cash withdrawal.
o Line 7 records the currency & the amount of cash that the cardholder requested.
o Line 8 records the response received from the host/network to the cash withdrawal
authorisation request.
o Line 9 indicates that the transaction was authorised online. The authorisation code is recorded
in the square brackets if it was provided in the response from the sub-host.
o Line 10 records the RRN and (sub-host) STAN provided in the response from the sub-host. Up
to 12 digits of the RRN are recorded.
o Line 11 indicates that a LORO has been created (but not sent) for the cash withdrawal
transaction. The LORO sequence number and the cash withdrawal sequence number are also
recorded on this line.
o Line 12 indicates that the ATM has successfully mixed & stacked the requested amount. This is
an important checkpoint in the transaction cycle.
o Line 13 indicates that the card was removed from the ATM by the cardholder.
o Line 14 indicates that the ATM has successfully moved the cash from its safe to the
presentation slot. The cardholder now has access to the cash. The date is also recorded on this
line.
o Line 15 indicates that the cardholder took the cash from the ATM’s presentation slot. The date
is also recorded on this line.
o Lines 16-20 give a breakdown of the cash dispensed and the amount of each denomination
remaining in the ATM at the end of the transaction.
o Lines 21-22 indicate that a LORO message was successfully sent to the sub-host for the cash
withdrawal transaction. Sometimes these lines may not appear until a later point in the
journal. They are printed as soon as a successful acknowledgement is received from the sub-
host. Sometimes it will be necessary to look further down the journal roll to find a matching
LORO for a transaction.

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2.2.8 Local Secondary Currency Withdrawal

The journal extract for a cash withdrawal in the ATM’s secondary currency is shown below:

1 ATM 12:41:40 IDL - - - 4.0.3.0 - - - -

2 USR 12:42:01 CRD IN 26/08/13 ATM [8184]

3 ATM 12:42:01 CRD MAG 848848 *******2244 1

4 USR 12:42:12 LSV FX WDRAW SG:A

5 ATM 12:42:17 TXN SG:A [0005] [000196]

6 USR 12:42:17 SRC 2009030203333

7 USR 12:42:17 AMT GBP 20.00

8 ATM 12:42:17 AMT DEBIT: EUR 25.00

9 ATM 12:42:17 AMT LOCAL: EUR 25.00

10 ATM 12:42:17 AMT FEE: EUR 0.00

11 HST 12:42:18 HSA Auto code [478823]

12 HST 12:42:18 HSA [210911238732] [238732]

13 HDW 12:42:21 MSG CASH STACKED []

14 USR 12:42:24 CRD TAKEN

15 HDW 12:42:32 CSH PRESENTED 26/08/2013

16 USR 12:42:33 CSH TAKEN 26/08/2013

17 ATM 12:42:33 LCU ID DENOM MX LEFT

18 ATM 12:42:33 LCU 1 20 00 00096

19 ATM 12:42:33 LCU 2 50 00 00098

20 ATM 12:42:33 LCU 3 20 01 00094

21 ATM 12:42:33 LCU REJ 00 00005

22 ATM 12:42:35 IDL - - - 4.0.3.0 - - - -

o Line 3 provides details of the track data read from the card. The IMD of the card issuer is
848848. Only 4 digits of the PAN are printed for PCI compliance reasons. The card’s sequence
number is 1.

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o Line 5 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 6 records the account debited by the transaction. The account number is printed only for
local cards. For network cards, the account type is indicated.
o Line 7 records the second currency amount that the cardholder requested.
o Line 8 records the withdrawal amount in the source account currency.
o Line 9 records the withdrawal amount in the ATM’s base currency.
o Line 10 records the fee applied to this transaction.
o Line 11 indicates that the transaction was authorised online. The authorisation code is
recorded in the square brackets if it was provided in the response from the sub-host.
o Line 12 records the RRN and (sub-host) STAN provided in the response from the sub-host.
o Line 13 indicates that the ATM has successfully mixed & stacked the requested amount. This is
an important checkpoint in the transaction cycle.
o Line 14 indicates that the card was removed from the ATM by the cardholder.
o Line 15 indicates that the ATM has successfully moved the cash from its safe to the
presentation slot. The cardholder now has access to the cash. The date is also recorded on this
line.
o Lines 17-21 give a breakdown of the dispensed cash and the amount of each denomination
remaining in the ATM after the transaction.
2.2.9 Local Balance Inquiry
The journal extract for a balance inquiry by a local cardholder is shown below:

1 USR 12:50:38 CRD IN 26/08/13 ATM[9888]

2 ATM 12:50:38 CRD MAG 848848 *******0004 1

3 USR 12:50:58 LSV BALANCE SG:

4 ATM 12:51:05 TXN SG:A [0006] [000197]

5 USR 12:51:05 SRC 2009030200012

6 HST 12:51:05 HSA Auto code[]

7 HST 12:51:05 HSA [] []

8 USR 12:51:22 LSV Another transaction [N]

o Line 3 records that a local cardholder selected the balance inquiry service.
o Line 4 records the account number for which the balance was requested.
o Line 5 indicates that the transaction was authorised online. The authorisation code is recorded
in the square brackets if it was provided in the response from the sub-host.

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o Line 6 shows empty brackets for the RRN and STAN because the sub-host did not return these
values in the response to the mini statement request.
o Line 7 records that the ATM prompted the cardholder for another transaction. The letter ‘N’ in
the square brackets indicates that the cardholder chose not to do another transaction. Other
possible responses to this prompt are ‘Y’ (cardholder chose to do another transaction) and ‘T’
(ATM session timed-out while waiting for a cardholder decision).
2.2.10 Local Mini Statement
The journal extract for a mini statement by a local cardholder is shown below:

1 USR 12:50:38 CRD IN 26/08/13 ATM[9888]

2 ATM 12:50:38 CRD MAG 848848 *******0004 1

3 USR 12:50:58 LSV MINISTMT SG:A

4 ATM 12:51:05 TXN SG:A [0007] [000198]

5 USR 12:51:05 SRC 2009030200012

6 HST 12:51:05 HSA Auto code[]

7 HST 12:51:05 HSA [] []

8 USR 12:51:22 LSV Another transaction [Y]

o Line 3 records that the local cardholder selected the mini statement service.
o Line 4 provides more details on the transaction, including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the account number for the requested mini statement.
o Line 6 indicates that the transaction was authorised online. The empty brackets indicate that
the sub-host did not provide an authorisation code in the response to the mini statement
request.
o Line 7 shows empty brackets for the RRN and STAN because the sub-host did not return these
values in the response to the mini statement request.
o Line 8 records that the ATM prompted the cardholder for another transaction. The letter ‘Y’ in
the square brackets indicates that the cardholder chose to do another transaction. Other
possible responses to this prompt are ‘N’ (cardholder chose not to do another transaction) and
‘T’ (ATM session timed-out while waiting for a cardholder decision).

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2.2.11 Local Funds Transfer

The journal extract for a funds transfer by a local cardholder is shown below. The cardholder
transfers 20 USD from a EURO account to a USD account.

1 USR 12:54:48 CRD IN 26/08/13 ATM[9888]

2 ATM 12:54:48 CRD MAG 848848 *******0004 1

3 USR 12:55:10 LSV TRANSFER SG:A [0008]

4 ATM 12:55:16 TXN SG:A [0008] [000199]

5 USR 12:55:16 SRC 2009030200012

6 USR 12:55:16 DST 2009041722222

7 USR 12:55:16 AMT USD 20.00

8 ATM 12:55:16 AMT DEBIT: EUR 16.38

9 ATM 12:55:16 AMT LOCAL: EUR 16.38

10 ATM 12:55:16 AMT FEE: EUR 0.00

11 HST 12:55:16 HSA Authcode[ ]

12 HST 12:51:05 HSA [213011260135] [260135]

13 USR 12:51:22 LSV Another transaction [N]

o Line 3 records that the cardholder selected the funds transfer service.
o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the number of the account used to fund the money transfer.
o Line 6 records the number of the account that was the destination of the money transfer.
o Line 7 records the amount transferred in the currency of the destination account. In this
example, the destination account is a USD account.
o Line 8 records the amount transferred in the source account currency.
o Line 9 records the amount transferred in the ATM’s base currency.
o Line 10 records the commission applied to the money transfer.
o Line 11 records the authorisation code returned in the response to the funds transfer request.
o Line 12 records the RRN and STAN values returned in the response to the funds transfer
request.
o Line 13 records that the ATM prompted the cardholder for another transaction. The value in
the square brackets indicates that the cardholder chose not to do another transaction.

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2.2.12 P2P Transfer #1

The journal extract for a P2P transfer is shown below:

1 USR 11:50:11 ANO IN 08/05/2012 ATM[9888]

2 USR 11:50:33 ASV P2P XFER CASH [0007]

3 USR 11:50:33 DST 00353875252552

4 USR 11:50:33 AMT EUR 200.00

5 ATM 11:50:33 AMT FEE: EUR 0.00

6 HDW 11:50:56 CSH ACCEPTED 08/05/2012

7 HDW 11:50:56 CSH IN EUR 200.00

o Line 1 indicates that ‘ATM 9888’ was used by an unknown user without a card on 08/05/2012.
o Line 2 records that the unknown user selected the P2P Transfer by Cash service.
o Line 3 shows the mobile phone number that was the destination of the money transfer.
o Line 4 records the amount that the user transferred to the destination mobile phone.
o Line 5 shows the commission (if any) that was applied by the bank.
o Line 6 shows the ATM accepted and validated the cash inserted by the user.
o Line 7 shows the amount of cash accepted by the ATM’s cash acceptor for transfer to the
destination mobile phone.
2.2.13 Bill Payment by Customer Reference
A journal extract for a bill payment (by customer reference) by a local cardholder is below:

1 USR 12:54:52 CRD IN 26/08/13 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV BILLPAY ACC SG:A [0009]

4 ATM 12:55:16 TXN SG:A [0009] [000201]

5 USR 12:55:16 SRC 2009041722222

6 USR 12:55:16 REF 12345678

7 USR 12:55:16 AMT EUR 10.00

8 HST 12:55:16 HSA Authcode[ ]

9 HST 12:51:05 HSA [213011260144] [260144]

10 USR 12:51:22 LSV Another transaction [N]

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o Line 3 records that the cardholder selected the bill payment (by account debit) service.
o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the cardholder’s account used to fund the payment.
o Line 6 records the customer reference number entered by the cardholder.
o Line 7 records the bill amount to be paid.
o Line 8 records that the transaction was authorised online. The empty brackets indicate that
the sub-host did not provide an authorisation code in the response to the bill payment request
o Line 9 records the RRN and STAN values provided by the sub-host in the response to the bill
payment request.
o Line 10 records that the ATM prompted the cardholder for another transaction. The value in
the square brackets indicates that the cardholder chose not to do another transaction.
2.2.14 Enhanced Bill Payment #1
The journal extract for a bill payment by account debit is shown below:

1 USR 16:39:14 CRD IN 08/05/12 ATM[9888]

2 ATM 16:39:16 CRD MAG 848848 *******0004 1

3 USR 16:39:36 LSV ENHANCED BILLPAY

4 USR 16:39:42 REF 1234

5 USR 16:39:47 REF 5678

6 USR 16:40:04 SRC 2009041722222

7 USR 16:40:05 AMT EUR 34.00

8 HST 16:40:10 HSA Authcode[ ]

9 HST 16:40:10 HSA [205716238292] [238292]

10 USR 16:40:10 LSV Another transaction [N]

o Line 3 records that the cardholder has selected the enhanced bill payment service.
o Lines 4 & 5 record the two reference numbers entered by the cardholder during the
transaction.
o Line 6 records the cardholder’s account used to fund the payment.
o Line 7 records the amount paid to the biller.
o Line 8 records that the transaction was authorised online. The empty brackets indicate that
the sub-host did not provide an authorisation code in the response to the bill payment request
o Line 9 records the RRN and STAN values provided by the sub-host in the response to the bill
payment request.

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o Line 10 records that the ATM prompted the cardholder for another transaction. The value in
the square brackets indicates that the cardholder chose not to do another transaction.
2.2.15 Enhanced Bill Payment #2
The journal extract for a bill payment by cash deposit is shown below:

1 USR 11:50:11 ANO IN 08/05/2012 ATM[9888]

2 USR 11:50:23 ASV ENHANCED BILLPAY

3 USR 11:50:23 REF 1112110240

4 USR 11:50:23 AMT EUR 20.00

5 HST 11:50:23 HSA Authcode[ ]

6 HST 11:50:23 HSA [213012260146] [260146]

7 HDW 11:50:46 CSH ACCEPTED 08/05/2012

8 HDW 11:50:46 CSH IN EUR 20.00

o Line 1 indicates that an unknown user accessed ‘ATM 9888’ without a card on 08/05/2012.
o Line 2 indicates that the unknown user selected the Enhanced Bill Payment service.
o Line 3 records the bill reference number entered by the user.
o Line 4 records the amount paid towards the bill.
o Line 5 records that the transaction was authorised online.
o Line 6 records the RRN and STAN values provided by the sub-host in the response to the bill
payment request.
o Line 7 records the ATM accepted and validated the cash inserted by the user.
o Line 8 records the amount of cash inserted into the ATM’s cash acceptor by the user.
2.2.16 Money Voucher Purchase #1
The journal extract for the purchase of a Money Voucher by a local cardholder is shown below:

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV MV PURCHASE SG:A [0010]

4 USR 12:55:16 SRC 2009030200012

5 USR 12:55:16 AMT EUR 80

6 USR 12:55:16 REF 00087552236666

7 HST 12:55:16 HSA Authcode[ ]

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8 HST 12:51:05 HSA [213012260146] [260146]

9 USR 12:51:22 LSV Another transaction [N]

o Line 3 records that the local cardholder has selected the Money Voucher Purchase service.
o Line 4 records the account number used to fund the Money Voucher Purchase.
o Line 5 records the value of the Money Voucher purchased.
o Line 6 records the mobile phone number entered by the cardholder during the Money
Voucher Purchase.
o Line 7 records the authorisation code if returned by the sub-host.
o Line 8 records the RRN and STAN if returned by the sub-host.
2.2.17 Money Voucher Purchase #2
The journal extract for the purchase of a Money Voucher by an anonymous user is shown below.
The user inserts a bundle of four notes to fund the purchase.

1 USR 14:18:02 ANO IN 09/01/2013 ATM[1122]

2 USR 14:18:05 ASV MV PURCHASE CASH

3 ATM 14:18:11 CSH EUR10 x [1] = 10

4 ATM 14:18:11 CSH EUR20 x [3] = 60

5 ATM 14:18:11 LCA EUR70 Total: EUR70

6 ATM 14:18:28 ARQ MV PURCHASE CASH [0066]

7 ATM 14:18:28 AMT EUR 70.00

8 ATM 14:18:28 REF Mobile Not Supplied

9 HST 14:18:28 HSA Auto Code[]

10 HST 14:18:28 HSA [300913306406] [306406]

11 HDW 14:18:35 MSG CSH ACCEPTED 09/01/2013

12 HDW 14:18:35 CSH EUR 10 = [1]

13 HDW 14:18:35 CSH EUR 20 = [3]

14 HDW 14:18:35 AMT TOTAL EUR70.00

15 ATM 14:18:36 IDL - - - 3.1.4.29.0 - - -

o Line 1 indicates that an unknown user accessed ‘ATM 1122’ without a card on 09/01/2013.
o Line 2 indicates that the user selected the Anonymous Service (ASV) - Money Voucher
Purchase by Cash.

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o Line 3 records that 1 x EUR10 note from a cash bundle was detected by the ATM.
o Line 4 records that 3 x EUR20 notes from a cash bundle were detected by the ATM.
o Line 5 records that the cash bundle contained EUR70.
o Line 6 records that an MV purchase transaction was submitted by the ATM.
o Line 7 records the value of the Money Voucher.
o Line 8 records that the user did not supply a mobile phone number for the beneficiary.
o Line 9 records the authorisation code if one was returned by the sub-host.
o Line 10 records the RRN and STAN if returned by the sub-host.
o Line 11 records that the cash to buy a Money Voucher was accepted by the ATM.
o Line 12 records the total number of EUR10 notes accepted by the ATM for the purchase.
o Line 13 records the total number of EUR20 notes accepted by the ATM for the purchase.
o Line 14 records the total cash amount accepted by the ATM for the purchase.
2.2.18 Money Voucher Purchase #3
The journal extract for the purchase of a Money Voucher by an anonymous user is shown below.
The user inserts 2 cash bundles to fund the purchase; 2 notes from the second bundle are rejected
and returned to the user.

1 USR 14.29.18 ANO IN 09/01/2013 ATM[1122]

2 USR 14.29.21 ASV MV PURCHASE CASH

3 ATM 14.29.24 CSH EUR10 x [1] = 10

4 ATM 14.29.24 CSH EUR20 x [3] = 60

5 ATM 14.29.24 LCA EUR70 Total: EUR70

6 ATM 14.29.38 CSH EUR10 x [1] = 10

7 ATM 14.29.38 CSH EUR20 x [3] = 60

8 ATM 14.29.38 LCA EUR70 Total: EUR140

9 ATM 14.29.38 MSG SOME ITEMS REFUSED

10 ATM 14.29.38 MSG RETURN ITEMS(2)

11 USR 14.29.43 MSG REFUSED ITEMS TAKEN[2]

12 ATM 14.29.59 ARQ MV PURCHASE CASH [0069]

13 ATM 14.29.59 AMT EUR 140.00

14 ATM 14.29.59 REF Mobile Not Supplied

15 HST 14.29.59 HSA Auto Code[]

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16 HST 14.29.59 HSA [300913306406] [306406]

17 HDW 14.30.06 MSG CSH ACCEPTED 09/01/2013

18 HDW 14.30.06 CSH EUR 10 = [2]

19 HDW 14.30.06 CSH EUR 20 = [6]

20 HDW 14.30.06 AMT TOTAL EUR140.00

21 ATM 14.30.07 IDL - - - 3.1.4.29.0 - - -

o Line 1 indicates that an unknown user accessed “ATM 1122” without a card on 09/01/2013.
o Line 2 indicates that the user selected the ‘Anonymous Service (ASV) - Money Voucher
Purchase by Cash’.
o Line 3 records that 1 x EUR10 note from the first cash bundle was detected by the ATM.
o Line 4 records that 3 x EUR20 notes from the first cash bundle were detected by the ATM.
o Line 5 records that the first cash bundle contained EUR70.
o Line 6 records that 1 x EUR10 note from the second cash bundle was detected by the ATM.
o Line 7 records that 3 x EUR20 notes from the second cash bundle were detected by the ATM.
o Line 8 records that the second cash bundle contained EUR70 and that a total of EUR140 from
the 2 bundles was inserted by the user.
o Line 9 records that some notes were rejected as invalid by the ATM.
o Line 10 records that 2 notes were returned to the user.
o Line 11 records that the refused notes were taken by the user.
o Line 12 records that a ‘Money Voucher Purchase’ transaction was submitted by the ATM.
o Line 13 records the value of the Money Voucher.
o Line 14 records that the user did not supply a mobile phone number for the beneficiary.
o Line 15 records the authorisation code if one was returned by the sub-host.
o Line 16 records the RRN and STAN if these are returned by the sub-host.
o Line 17 records that the cash to buy a Money Voucher was accepted by the ATM.
o Line 18 records the total number of EUR10 notes accepted by the ATM for the purchase.
o Line 19 records the total number of EUR20 notes accepted by the ATM for the purchase.
o Line 20 records the total cash amount accepted by the ATM for the purchase.
2.2.19 Money Voucher Purchase #4
The journal extract for the purchase of a Money Voucher by an anonymous user is shown below.
The user cancels the transaction, the ATM returns the inserted cash but it not taken by the user
and after a time-out, the cash is retracted by the ATM.

USR 13.08.16 ANO IN 09/01/2013 ATM[1122]

USR 13.08.18 ASV MV PURCHASE CASH

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ATM 13.08.21 CSH EUR10 x [2] = 20

ATM 13.08.21 CSH EUR50 x [2] = 100

ATM 13.08.21 LCA EUR120 Total: EUR120

ATM 13.08.24 MSG USER CANCELS TXN

ATM 13.08.24 MSG RETURN ESCROWED NOTES

ATM 13.08.24 CSH EUR10 x [2] = 20

ATM 13.08.24 CSH EUR50 x [2] = 100

ATM 13.08.21 LCA EUR120 Total: EUR120

ATM 13.08.24 MSG USER CANCELS TXN

ATM 13.08.24 MSG RETURN ESCROWED NOTES

ATM 13.08.24 CSH EUR10 x [2] = 20

ATM 13.08.24 CSH EUR50 x [2] = 100

ATM 13.08.24 AMT Total EUR120

ATM 13.08.54 SVC MV PURCHASE CASH FAILED

ATM 13.08.54 MSG CASH TAKEN TIMEOUT

HDW 13.08.54 BNA CASH RETRACT 09/01/2013

HDW 13.08.54 ----- Retract Report -----

HDW 13.08.54 Physical Retract Counters

HDW 13.08.54 Bins before TXN: 4

HDW 13.08.54 Per bin: 4

HDW 13.08.54 Bins after TXN: 8

HDW 13.08.54 Difference: 4

HDW 13.08.54 Logical retract counters:

HDW 13.08.54 Est Retracted items: 4

HDW 13.08.54 Denominations in tn: 2

HDW 13.08.54 EUR 10 = [2]

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HDW 13.08.54 EUR 50 = [2]

HDW 13.08.54 Some/all items retracted!

HDW 13.08.54 --------------------------

ATM 13.09.02 IDL - - - 3.1.4.29.0 - - -

o Line 1 indicates that an unknown user accessed “ATM 1122” without a card on 09/01/2013.
o Line 2 indicates that the user selected ‘Anonymous Service (ASV) - Money Voucher Purchase
by Cash’.
o Line 3 records that 2 x EUR10 notes from the inserted cash bundle were detected by the ATM.
o Line 4 records that 2 x EUR50 notes from the inserted cash bundle were detected by the ATM.
o Line 5 records that a total of EUR120 was inserted into the ATM’s cash intake slot.
o Line 6 records that the user cancelled the transaction.
o Line 7 records that the ATM returned the notes that the user had inserted into its cash
acceptor.
o Lines 8-10 provide a breakdown of the cash returned to the user.
o Line 11 records that the MV purchase transaction failed.
o Line 12 records that the ‘cash take’ timer expired while the ATM was waiting for the user to
remove the notes.
o Line 13 records that the ATM retracted the notes.
o Lines 14-26 provides a retract report which includes an estimate of the number of notes that
were retracted.
2.2.20 Money Voucher Redeem
The journal extract for a Money Voucher redeem is shown below. This transaction can be carried
out without inserting a card into the ATM.

1 USR 13:03:15 ANO IN 08/05/2012 ATM[9888]

2 USR 13:03:27 ASV MV REDEEM [0009]

3 USR 13:03:27 REF 87736756

4 USR 13:03:27 AMT EUR 80.00

5 HST 13:03:27 HSA Authcode[ ]

6 HST 13:03:27 HSA [213012260148] [260148]

7 HST 13:03:27 HSA Authcode[ ]

8 HST 13:03:27 HSA [] [0008]

9 USR 13:03:27 ASV Another transaction [N]

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o Line 1 indicates that an unknown user accessed “ATM 9888” without a card on 08/05/2012.
o Line 2 records that the user selected the Money Voucher redeem service.
o Line 3 records the Voucher ID entered by the user.
o Line 4 records the amount redeemed of the Money Voucher.
o Line 5 records that the Money Voucher redemption request was authorised by the host.
o Line 6 records the RRN and STAN provided by the sub-host in response to the redeem request.
o Line 8 records the RRN and STAN provided by the sub-host in response to the second message
used by this service.
o Line 9 records that the ATM prompted the anonymous user to do another transaction.
2.2.21 Mobile Top Up
The journal extract for the purchase of mobile phone credit is shown below:

1 USR 12:50:38 CRD IN 26/08/13 ATM[9888]

2 ATM 12:50:38 CRD MAG 848848 *******0004 1

3 USR 12:51:05 LSV MOBILE TOPUP SG:A

4 ATM 12:51:05 TXN SG:A [0017] [000205]

5 USR 12:51:05 SRC 2009030200012

6 USR 12:51:09 REF VODAFONE-MOBILE

7 USR 12:51:12 AMT EUR 20.00

8 HST 12:51:05 HSA Authcode[ ]

9 HST 12:51:05 HSA [213012376166] [376166]

10 USR 12:51:22 LSV Another transaction [N]

o Line 3 records that the local cardholder selected the mobile top up service.
o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the account that was used to funds the purchase of mobile phone credit.
o Line 6 records that the mobile service provider selected by the cardholder.
o Line 7 indicates the amount of the mobile phone credit purchased by the cardholder.
o Line 8 indicates that the transaction was authorised online. The empty brackets indicate that
the sub-host did not provide an authorisation code in the response to the mobile top up
request.
o Line 9 prints the RRN and STAN values returned in the authorisation response from the sub-
host.
o Line 10 records that the ATM prompted the cardholder for another transaction

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2.2.22 Envelope Deposit - Cash

The journal extract for an envelope deposit transaction is shown below:

1 USR 12:50:38 CRD IN 26/08/13 ATM[9888]

2 ATM 12:50:40 CRD MAG 848848 *******0004 1

3 USR 12:51:05 LSV ENVDEP CASH SG:A

4 ATM 12:51:05 TXN SG:A [0018] [000206]

5 USR 12:51:05 DST 2009030200012

6 USR 12:51:17 AMT EUR 100.00

7 ATM 12:51:18 SAF ENVDEP[0018] TXN SENT

8 USR 12:51:29 LSV Another transaction [N]

o Line 3 records that the cardholder selected the envelope deposit (cash) service.
o Line 4 provides more details on the transaction, including the settlement group the card’s BIN
belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the receiving account for the cash.
o Line 6 records the amount of cash in the envelope that the cardholder entered at ATM
prompt.
o Line 7 records that the envelope deposit transaction was successfully sent to the sub-host via
the ATM’s SAF.
o Line 8 records that the ATM prompted the cardholder for another transaction.
2.2.23 PIN Change
The journal extract for a PIN change transaction is shown below:

1 USR 12:50:01 CRD IN 26/08/13 ATM[9888]

2 ATM 12:50:01 CRD MAG 848848 *******0004 1

3 USR 12:51:18 LSV PIN CHANGE SG:A

4 ATM 12:51:18 TXN SG:A [0018] [000207]

5 HST 12:51:19 HSA []

6 HST 12:51:19 HSA [213613261299] [261299]

7 USR 12:51:23 LSV Another transaction [N]

o Line 3 records that the local cardholder selected the ‘PIN Change’ request.

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o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 indicates the sub-host approved the ‘PIN Change’ request.
o Line 6 records the RRN and STAN provided in the response from the sub-host to the PIN
change request.
2.2.24 SMS Registration
The journal extract for a Bank Instruction used to register for SMS banking services is shown
below:

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV BANK INSTRUCTION

4 USR 12:55:16 BKI CR2.REGISTER.SMSBANKING

5 WEB 12:55:17 HSA BI ACCEPTED

6 USR 12:55:53 LSV Another transaction [N]

o Line 3 shows that a Bank Instruction was selected by the cardholder at the ATM.
o Line 4 records that the ‘Register SMS Banking’ Bank Instruction was selected.
o Line 5 records that the bank’s host system accepted the Bank Instruction request.
2.2.25 Internet Registration
A journal extract for a Bank Instruction request used to register for Internet banking services is
next:

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV BANK INSTRUCTION

4 USR 12:55:16 BKI CR2.REGISTER.INTERNETBANK

5 WEB 12:55:17 HSA BI ACCEPTED

6 USR 12:55:53 LSV Another transaction [N]

o Line 3 records that a Bank Instruction was selected by the cardholder at the ATM.
o Line 4 records that the ‘Register Internet Banking’ Bank Instruction was selected.
o Line 5 records that the bank’s host system accepted the Bank Instruction request.

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2.2.26 Notifications
The journal extract for a Bank Instruction used to configure an account notification is below:

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:28 LSV BANK INSTRUCTION

4 USR 12:55:28 BKI NOTIFICATIONS

5 WEB 12:55:28 HSQ PHONE IS REGISTERED

6 HST 12:55:33 ACC EUR 61.00

7 USR 12:55:37 REF BAL BELOW €5.00

8 WEB 12:55:37 HSA ACCBAL NOTIF CREATED

9 USR 12:55:50 LSV Another transaction [N]

o Line 3 indicates that a local cardholder selected a Bank Instruction at the ATM.
o Line 4 records the name of the selected Bank Instruction.
o Line 5 indicates that the cardholder has a mobile phone number registered with the bank.
Since account notifications are sent using SMS text messages, the cardholder must have a
mobile phone registered before this service can be used.
o Line 6 shows the current balance on the account selected for notifications.
o Line 7 records the condition selected by the cardholder for which an SMS notification is sent to
the registered mobile phone.
o Line 8 indicates that the account notification was created successfully.
2.2.27 Regular Payment
A journal extract for a Bank Instruction used to submit a bill payment template is next:

1 USR 12:55:16 LSV BANK INSTRUCTION

2 USR 12:55:16 BKI CR2.REGULAR.PAYMENT

3 USR 12:55:16 REF Pay Julia

4 USR 12:55:17 AMT EUR 20.00

5 USR 12:55:53 LSV Another transaction [N]

o Line 1 indicates that a local cardholder selected a Bank Instruction at the ATM.
o Line 2 records the name of the selected Bank Instruction.
o Line 3 records that name of the payment template selected by the cardholder.
o Line 4 records the payment amount entered by the cardholder.

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2.2.28 Survey
A journal extract for a Bank Instruction request used to solicit customer feedback to a new
product or offering is shown next:

1 USR 10:32:01 LSV BANK INSTRUCTION

2 USR 10:32:01 BKI ADVERT.REACTION

3 WEB 10:32:04 HSA BI ACCEPTED

4 USR 10:32:22 LSV Another transaction [N]

o Line 1 indicates that a Bank Instruction was selected by a local cardholder at the ATM.
o Line 2 records that name of the Bank Instruction selected by the cardholder.
o Line 3 records that the sub-host accepted the Bank Instruction.
o Line 4 shows that the ATM prompted the cardholder to do another transaction.
2.2.29 Chequebook Request
The journal extract for a chequebook request is shown below:

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV CHEQUEBK SG:A

4 ATM 12:55:16 TXN SG:A [0012] [000210]

5 USR 12:55:16 DST 2009030200012

6 USR 12:55:16 REF BOOK TYPE 1

7 HST 12:55:17 HSA Authcode[ ]

8 HST 12:55:17 HSA [213011260136] [260136]

9 USR 12:55:27 LSV Another transaction [N]

o Line 3 records that the local cardholder selected the chequebook request service.
o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the account for which the chequebook was requested.
o Line 6 records the type of requested chequebook.

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2.2.30 Statement Request

The journal extract for a statement request is shown below.

1 USR 12:54:52 CRD IN 08/05/12 ATM[9888]

2 ATM 12:54:52 CRD MAG 848848 *******0004 1

3 USR 12:55:16 LSV STATEMENT SG:A

4 ATM 12:55:16 TXN SG:A [0014] [000212]

5 USR 12:55:16 SRC 2009030200012

6 HST 12:55:17 HSA Authcode[ ]

7 HST 12:55:17 HSA [213011260137] [260137]

8 USR 12:55:27 LSV Another transaction [N]

o Line 3 records that the local cardholder selected the statement request service.
o Line 4 provides more details on the transaction including the settlement group that the card’s
BIN belongs to, the transaction sequence number and the system trace audit number (STAN)
generated by the ATM.
o Line 5 records the account number on which the statement was requested

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Chapter 3. Unsuccessful Transactions

3.1 Overview
The following sections show the journal output for unsuccessful transactions - both financial and
non-financial.
For each transaction, assume the cardholder inserts a card into a motorized card reader on an
ATM fitted with a stacker cash dispenser (unless specifically stated otherwise).
3.2 Unsuccessful Transactions
3.2.1 Cardholder Time-out
The journal extract for a time-out due to cardholder inaction is shown below:

1 ATM 13:05:11 IDL - - - 4.0.1.9.0 - - - -

2 USR 13:05:24 CRD IN 09/05/12 ATM[9888]

3 ATM 13:05:24 CRD MAG 848848 *******0004 1

4 ATM 13:06:40 MSG CARDHOLDER TIMEOUT

5 HST 13:06:44 SAF REC UPLOADED 09/05/2012

6 HST 13:06:44 SAF CardCapture_250_9031

7 HDW 13:06:56 CRD CAPTURED

o Line 4 records that the ATM session timed-out the transaction due to cardholder inaction.
o Lines 5-7 record that an advice was sent to the sub-host with details of the card capture.
3.2.2 System Malfunction
The journal extract for a system malfunction is shown below:

1 ATM 12:49:00 IDL - - - 4.0.1.9.0 - - - -

2 USR 12:49:08 CRD IN 09/05/12 ATM[9888]

3 ATM 12:49:08 CRD MAG 848848 *******0004 1

4 USR 12:49:37 NSV FAST CASH SG:D [0002]

5 USR 12:49:37 DST TYPE 00

6 USR 12:49:37 AMT EUR 20.00

7 HST 12:49:38 HSA AUTH[96] SW[256]

8 HST 12:49:38 HSA SYSTEM MALFUNCTION

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9 HST 12:49:40 HSA [ ] [ ]

10 ATM 12:49:41 ERR ATM CANCEL

11 USR 12:49:42 CRD TAKEN

o Line 4 records that the network cardholder selected the ‘Fast Cash’ service. The card’s IMD is
part of settlement group D.
o Line 5 records the account type from which the cash was to be withdrawn. The value 00 is the
card’s default account type.
o Line 6 records the withdrawal amount entered by the cardholder.
o Line 7 records the error codes received from the host system and from the network in
response to the transaction.
o Line 8 records that the transaction failed due to a system malfunction.
o Line 9 records the RRN and STAN provided in the response from the sub-host.
o Line 10 records the fact that the ATM cancelled the transaction.
o Line 11 indicates that the cardholder removed the card from the ATM.
3.2.3 Do Not Honour
The journal extract for a declined cash withdrawal request is shown below:

1 ATM 12:49:00 IDL - - - 4.0.1.9.0 - - - -

2 USR 12:49:08 CRD IN 09/05/12 ATM[9888]

3 ATM 12:49:08 CRD MAG 848848 *******0004 1

4 USR 12:49:29 LSV FAST CASH SG:A [0025]

5 USR 12:49:29 SRC 2009030200012

6 USR 12:49:29 AMT EUR 20.00

7 HST 12:49:38 MSG DO NOT HONOUR

8 ATM 12:49:38 MSG TRANSACTION CANCELLED

9 USR 12:49:42 CRD TAKEN

10 ATM 12:50:00 IDL - - - 4.0.1.9.0 - - - -

o Line 4 records that a local cardholder selected the ‘Fast Cash’ withdrawal service.
o Line 5 records the account debited by the transaction. For local cards, BWAC records the
account number. For network cards, BWAC records the account type.
o Line 6 records the currency and amount of cash the cardholder requested.
o Line 7 records the decline response received from the host system.
o Line 8 indicates that the ATM cancelled the transaction.

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o Line 9 indicates the cardholder removed the card from the ATM after the transaction was
declined.
3.2.4 Incorrect PIN
The journal extract for an incorrect PIN entry is shown below:

1 ATM 12:49:00 IDL - - - 4.0.1.9.0 - - - -

2 USR 12:49:08 CRD IN 09/05/12 ATM[9888]

3 ATM 12:49:08 CRD MAG 848848 *******0014 1

4 HST 12:49:27 HSA [] INCORRECT PIN

5 HST 12:49:43 HSA [] INCORRECT PIN

6 USR 12:49:52 FUN CARDHOLDER CANCEL

7 USR 12:49:57 CRD TAKEN

8 ATM 12:49:58 IDL - - - 4.0.14.0.1.9.0 - - - -

o Line 4 indicates that the first PIN entered by the cardholder was incorrect.
o Line 5 indicates that the second PIN entered by the cardholder was incorrect.
o Line 6 indicates that the cardholder cancelled the ATM session.
o Line 7 indicates that the cardholder removed the card from the ATM.
3.2.5 PIN Retries Exhausted
This is the journal extract for an attempted ATM session where the incorrect PIN was entered
multiple times in a row (exceeding the maximum retry limit):

1 ATM 12:49:00 IDL - - - 4.0.1.9.0 - - - -

2 USR 12:49:08 CRD IN 09/05/12 ATM[9888]

3 ATM 12:49:08 CRD MAG 848848 *******0014 1

4 HST 12:49:27 HSA [] INCORRECT PIN

5 HST 12:49:43 HSA [] INCORRECT PIN

6 USR 12:49:52 FUN CARDHOLDER CANCEL

7 USR 12:49:57 CRD TAKEN

8 ATM 12:49:58 IDL - - - 4.0.14.0.1.9.0 - - - -

o Lines 4-6 indicate that the cardholder made 3 unsuccessful attempts to enter the PIN.
o Line 7 indicates that the PIN retry count was exceeded.

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o Line 8 indicates a card capture report was sent to the sub-host.

o Line 9 indicates that the ATM has captured the customer’s card.
3.2.6 Cash Retraction #1
The journal extract for a failed ‘Fast Cash’ transaction is next – the ATM dispensed and then
retracted the cash because the cardholder did not remove the dispensed notes in time:

1 ATM 17:50:34 IDL - - - 4.0.1.9.0 - - - -

2 USR 17:53:20 CRD IN 08/05/12 ATM [9888]

3 ATM 17:53:20 CRD MAG 848848 *******0004 1

4 USR 17:53:59 LSV FAST CASH SG:A [0005]

5 USR 17:53:59 SRC 2009030200012

6 USR 17:53:59 AMT EUR 40.00

7 HST 17:54:01 HSA Authcode[]

8 HST 17:54:01 HSA [212916260113] [260113]

9 HDW 17:54:01 MSG CASH STACKED

10 ATM 17:54:02 CRD TAKEN

11 HDW 17:54:04 CSH PRESENTED 08/05/2012

12 ATM 17:54:36 ERR ERROR (-1) TAKING CASH

13 ATM 17:54:38 MSG RETRACTING NOTES

14 HDW 17:54:42 CSH RETRACTED

15 ATM 17:54:14 LCU ID DENOM MX LEFT

16 ATM 17:54:14 LCU REJ 00 00006

17 ATM 17:54:14 LCU RET 02 00002

18 ATM 17:54:14 LCU 3 20 00 00094

19 ATM 17:54:14 LCU 4 50 00 00098

20 ATM 17:54:14 LCU 5 00 00 00000

21 ATM 17:54:14 LCU 6 00 00 00000

22 ATM 17:54:17 IDL - - - 4.0.1.9.0 - - - -

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o Lines 1-10 are standard for a cash withdrawal transaction by a local cardholder.
o Line 11 indicates the ATM has moved the cash from the safe to the presentation slot. The
cardholder now has access to the cash. The date is also recorded on this line.
o Line 12 indicates that an error occurred during the cash presentation. An error code is printed
on the journal to provide more details on the nature of the problem. In the above example, -1
indicates that the ATM timed out waiting for the customer to take the cash.
o Line 13 indicates that the ATM attempted to retract the notes.
o Line 14 indicates that the ATM successfully retracted some or all the cash.
o Line 17 provides an estimate of the number of retracted notes.
o Lines 18-21 provides a summary of the notes remaining in the ATM’s cassettes at the end of
the transaction.
3.2.7 Cash Retraction #2
The journal extract for a cancelled ‘Money Voucher Purchase’ transaction is shown below. The
cardholder cancels the transaction, the ATM returns the inserted cash but if not taken by the
cardholder in time, the cash is retracted by the ATM:

1 USR 13.08.16 ANO IN 09/01/2013 ATM [1122]

2 USR 13.08.18 ASV MV PURCHASE CASH

3 ATM 13.08.21 CSH EUR10 x [2] = 20

4 ATM 13.08.21 CSH EUR50 x [2] = 100

5 ATM 13.08.21 LCA EUR120 Total: EUR120

6 ATM 13.08.24 MSG USER CANCELS TXN

7 ATM 13.08.24 MSG RETURN ESCROWED NOTES

8 ATM 13.08.24 CSH EUR10 x [2] = 20

9 ATM 13.08.24 CSH EUR50 x [2] = 100

10 ATM 13.08.24 AMT Total EUR120

11 ATM 13.08.54 SVC MV PURCHASE CASH FAILED

12 ATM 13.08.54 MSG CASH TAKEN TIMEOUT

13 HDW 13.08.54 BNA CASH RETRACT 09/01/2013

14 HDW 13.08.54 ----- Retract Report -----

15 HDW 13.08.54 Physical Retract Counters

16 HDW 13.08.54 Bins before TXN: 4

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17 HDW 13.08.54 Per bin: 4

18 HDW 13.08.54 Bins after TXN: 8

19 HDW 13.08.54 Difference: 4

20 HDW 13.08.54 Logical retract counters

21 HDW 13.08.54 Est Retracted items: 4

22 HDW 13.08.54 Denominations in tn: 2

23 HDW 13.08.54 EUR 10 = [2]

24 HDW 13.08.54 EUR 50 = [2]

25 HDW 13.08.54 Some/all items retracted!

26 HDW 13.08.54 --------------------------

27 ATM 13.09.02 IDL - - - 3.1.4.29.0 - - -

o Line 1 indicates an unknown user accessed “ATM 1122” without a card on 09/01/2013.
o Line 2 indicates the user selected the Anonymous Service (ASV) - Money Voucher Purchase by
Cash.
o Line 3 records that 2 x EUR10 notes from the inserted cash bundle were detected by the ATM.
o Line 4 records that 2 x EUR50 notes from the inserted cash bundle were detected by the ATM.
o Line 5 records that a total of EUR120 was inserted into the ATM’s cash intake slot.
o Line 6 records that the user cancelled the transaction.
o Line 7 records that the ATM returned the notes that the user had inserted into its cash
acceptor.
o Lines 8-10 provide a breakdown of the cash returned to the user.
o Line 11 records that the MV purchase transaction failed.
o Line 12 records that the ‘cash take’ timer expired while the ATM was waiting for the user to
remove the notes.
o Line 13 records that the ATM retracted the notes.
o Lines 14-26 provide a retract report which includes an estimate of the number of notes that
were retracted.
3.2.8 Power Failure
If the ATM suffers a power failure during a cash withdrawal (AFTER the cardholder took the card
but BEFORE cash was dispensed) the journal will record the following information:

1 ATM 17:50:34 IDL - - - 4.0.1.9.0 - - - -

2 USR 17:53:20 CRD IN 08/05/12 ATM [9888]

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3 ATM 17:53:20 CRD MAG 848848 *******0004 1

4 USR 17:53:59 LSV FAST CASH SG:A [0005]

5 USR 17:53:59 SRC 2009030200012

6 USR 17:53:59 AMT EUR 40:00

7 HST 17:54:01 HSA Authcode[]

8 HST 17:54:01 HSA [212916260113] [260113]

9 HDW 17:54:01 MSG CASH STACKED

10 USR 17:54:04 CRD TAKEN

11 ATM 17:54:05 ERR **Failure During Present Operation**

12 ATM 17:54:05 ERR *** Location of Notes Unknown ***

13 ATM 17:54:05 ERR ****** Any Notes Left Inside ******

14 ATM 17:54:05 ERR ****** Dispenser were Purged ******

15 ATM 17:54:06 LCU ID DENOM MX LEFT

16 ATM 17:54:06 LCU REJ 02 00006

17 ATM 17:54:06 LCU RET 00 00000

18 ATM 17:54:06 LCU 3 20 00 00094

19 ATM 17:54:06 LCU 4 50 00 00098

20 ATM 17:54:06 LCU 5 00 00 00000

21 ATM 17:54:06 LCU 6 00 00 00000

o Lines 1-10 are standard for a cash withdrawal transaction by a local cardholder.
o Lines 11-14 provide information on the power failure at the ATM and some guidance on the
whereabouts of the cash. The exact location of the notes is unknown because as soon as the
card is removed by the user, the notes will begin the journey from the ATM’s safe to the
shutter. When the power fails, the notes may be located at any point along this path.
o Line 16 provides an estimate of how many notes were moved to the Reject bin. A non-zero
value for the MX column is evidence there were notes inside the cash dispenser when the
power failed and they could not be accessed by the user.
o Lines 18-21 provide a summary of the notes remaining in the ATM’s cassettes at the end of the
transaction.

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3.2.9 Cash Presentation Failure

If the ATM fails to present cash to a customer (because of a problem with the cash dispense
mechanism), the journal will record the following information to indicate this type of problem:

1 ATM 17:50:34 IDL - - - 4.0.1.9.0 - - - -

2 USR 17:53:20 CRD IN 08/05/12 ATM [9888]

3 ATM 17:53:20 CRD MAG 848848 *******0004 1

4 USR 17:53:59 LSV FAST CASH SG:A [0005]

5 USR 17:53:59 SRC 2009030200012

6 USR 17:53:59 AMT EUR 40:00

7 HST 17:54:01 HSA Authcode[]

8 HST 17:54:01 HSA [212916260113] [260113]

9 HDW 17:54:01 MSG CASH STACKED

10 USR 17:54:04 CRD TAKEN

11 ATM 17:54:05 ERR **Failure During Present Operation**

12 ATM 17:54:05 ERR *** Location of Notes Unknown ***

13 ATM 17:54:05 ERR ****** Any Notes Left Inside ******

14 ATM 17:54:05 ERR ****** Dispenser were Purged ******

15 ATM 17:54:06 LCU ID DENOM MX LEFT

16 ATM 17:54:06 LCU REJ 02 00006

17 ATM 17:54:06 LCU RET 00 00000

18 ATM 17:54:06 LCU 3 20 00 00094

19 ATM 17:54:06 LCU 4 50 00 00098

20 ATM 17:54:06 LCU 5 00 00 00000

21 ATM 17:54:06 LCU 6 00 00 00000

22 ATM 17:54:06 LCU 5 00 00 00000

23 ATM 17:54:06 LCU 6 00 00 00000

24 ATM 17:54:06 IDL - - - 4.0.1.9.0 - - - -

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o Lines 1-10 are standard for a cash withdrawal transaction by a local cardholder. The
cardholder inserted a magnetic stripe card and requested 100 EUR. The cash was
mixed/stacked and the card was returned to the cardholder.
o Line 11 indicates that the ATM moved the cash to its Reject bin as the result of a problem at
the ATM.
o Line 12 provides some information on the problem at the ATM. During the operation to
present the cash to the customer, the cash dispense mechanism reported an error.
o Line 13 indicates the cardholder did not have any access to the cash because the cash was not
moved from the ATM’s safe before the device failure occurred.
o Line 14 indicates that the transaction was not completed.
o Line 15 indicates that the transaction was reversed.
o Line 16 indicates that the ATM received a successful acknowledgement from the sub-host to
the reversal transaction.
o Line 18 provides an estimate of how many notes were rejected during the transaction cycle.
These notes will be found in the ATM’s reject bin.
3.2.10 Communication Links Down - MV Purchase
This journal extract shows a communications links failure during a Money Voucher Purchase:

1 USR 13:10:33 ANO IN 09/01/2013 ATM [1122]

2 USR 13:10:36 ASV MV PURCHASE CASH

3 ATM 13:10:37 CSH EUR10 x [2] = 20

4 ATM 13:10:37 CSH EUR20 x [1] = 20

5 ATM 13:10:37 LCA EUR40 Total: EUR40

6 ATM 13:10:37 MSG PART REFUSED

7 ATM 13:10:37 MSG RETURN ITEMS(2)

8 ATM 13:11:21 MSG COMMS DOWN

9 ATM 13:11:21 MSG NO OFFLINE SERVICE

10 ATM 13:11:22 MSG POSTED RECOVERED TXN

11 ATM 13:11:22 MSG FailedOnGetMsgResp, SEQ [33]

12 ATM 13:11:22 SVC MV PURCHASE CASH FAILED

13 HST 13:11:22 MSG COMMS FAILED

14 HST 13:11:25 MSG RETURN ESCROWED NOTES

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15 HDW 13:11:25 CSH EUR10 x [2] = 20

16 HDW 13:11:25 CSH EUR20 x [1] = 20

17 HDW 13:11:25 AMT Total EUR40

18 USR 13:11:26 MSG CASH TAKEN

19 ATM 13:11:26 IDL - - - 3.1.4.29.0 - - -

o Line 1 indicates that an unknown user accessed ‘ATM 1122’ without a card on 09/01/2013.
o Line 2 indicates that the user selected the ‘Money Voucher Purchase by Cash’ service.
o Line 3 records that 2 x EUR10 notes from the inserted cash bundle were detected by the ATM.
o Line 4 records that 1 x EUR20 note from the inserted cash bundle was detected by the ATM.
o Line 5 records that a total of EUR40 was inserted into the ATM’s cash intake slot.
o Line 6 records that part of the inserted cash bundle was refused and returned to the user.
o Line 7 records that 2 items from the inserted cash bundle were returned to the user.
o Line 8 records that the communications link between the ATM and the sub-host went down.
o Line 9 records that offline services were not offered on the ATM.
o Line 10 records that the ATM attempted to send a recovery message via its SAF when the MV
purchase authorisation request failed.
o Line 11 records that the ATM failed to get a response to the recovery message.
o Line 12 records that the MV purchase transaction failed.
o Line 13 records that the transaction failed due to a communications link failure.
o Line 14 records that the ATM returned the notes held in its ESCROW to the user.
o Line 15 records that 2 x EUR10 notes were returned.
o Line 16 records that 1 x EUR20 note was returned.
o Line 17 records the total amount of cash returned to the user.
o Line 18 records that the user took the returned cash.
3.2.11 Cancelled Transaction - Network Cash Withdrawal
The journal extract for a cash withdrawal cancelled by a network cardholder is shown below:

1 ATM 12:42:08 IDL - - - 4.0.3.0 - - - -

2 USR 12:42:12 CRD IN 26/08/13 ATM [8184]

3 ATM 12:42:12 CRD EMV 466848 *******0004 1

4 USR 12:42:23 NSV WITHDRAW SG:D

5 ATM 12:42:28 TXN SG:D [0022] [000214]

6 USR 12:42:28 SRC ACC TYPE 1

7 USR 12:42:44 MSG USER CANCEL TXN

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8 ATM 12:42:48 CRD TAKEN

9 ATM 12:43:00 IDL - - - 4.0.3.0 - - - -

o Line 4 records that the network cardholder selected the cash withdrawal service.
o Line 7 records that the transaction was cancelled by the cardholder.
o Other cancellation reasons that can appear on the journal include:
MSG USER CANCEL TXN
MSG ATM CANCEL TXN
MSG USER CANCEL SESSION
MSG ATM CANCEL SESSION
MSG CARD CAPTURED
MSG TXN REVERSED
MSG TXN CANCELLED

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Chapter 4. Administrator Procedures

4.1 Overview
The following sections show printed journal entries for an administrator user at the ATM.
4.2 Administrator Procedures
4.2.1 Daily Service - Part 1
There are two parts to the Daily Service output that appears on the journal. The first part up to
the signature line prints a count of all Transaction Types, cash unit totals and general ledger totals
for the settlement groups.
As part of the bank’s Daily Service procedure, the ATM custodian will check that the cash unit
totals tally with the notes left in the ATM. If there are no discrepancies, the custodian will sign the
paper journal and tear it off at this point.
The used paper journal roll is returned to the bank’s reconciliation team for reconciling with the
host system’s ATM report.
The electronic journal is archived at this point to simulate the tearing of the paper journal. It can
be uploaded to a central server from where it may be accessed by the reconciliation team.
The second part of the journal is the section AFTER the signature line. In this part of the journal,
the transaction counts are shown reset to zero, and cash unit totals are shown with the freshly
added amounts of new notes. The second part is written to a new .MDB file.
The first part of the journal extract for a Daily Service procedure is below:

1 ATM 17:56:36 ENTER SUPERVISOR 08/05/12

2 SUP 17:56:39 SVC: Daily Service

3 SUP 17:56:39 Fast Cash 2 Cash_Dep 0

4 SUP 17:56:39 Withdraw1 0 Cheque_Dep 0

5 SUP 17:56:39 Withdraw2 0 Mixed_Dep 0

6 SUP 17:56:39 Withdraw3 0 Inst_Dep 0

7 SUP 17:56:39 Balance 1 Bills_Ca 0

8 SUP 17:56:39 Statement 1 Bills_Ch 0

9 SUP 17:56:39 Mini_Stmt 0 Bills_Mx 0

10 SUP 17:56:39 Full_Stmt 0 Bills_Ac 0

11 SUP 17:56:39 Transfer 1 Cash_Rev 0

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12 SUP 17:56:39 ChequeBk 0 Other_Rev 0

13 SUP 17:56:39 Draft 0 Correction 0

14 SUP 17:56:39 Notice 0 Cards_Cap 0

15 SUP 17:56:39 PIN_Ch 0 Network_with 0

16 SUP 17:56:39 Network_Cor 0 Acptor_Prim 0

17 SUP 17:56:39 Acptor_Secd 0 EMV_Cash 0

18 SUP 17:56:39 C2C_Debits 0 C2C_Credit 0

19 SUP 17:56:39 C2C_Rev 0 P2P_Money_Tx 0

20 SUP 17:56:39 P2P_Cash_BNA 0 Voucher_Red 0

21 SUP 17:56:39 Voucher_BNA 0 Voucher_Purc 0

22 SUP 17:56:39 Notification 0 CCard_Pay 0

23 SUP 17:56:39 3rd_party 0 Network_FT 0

24 SUP 17:56:39 FX_BNA_Totals 0

25 SUP 17:56:39 BNATotals 0

26 SUP 17:56:39

27 SUP 17:56:40 *********** CARDS CAPTURED

28 SUP 17:56:40 CARD NUMBER CAPTURE REASON

29 SUP 17:56:40 ********************************

30 SUP 17:56:40 *********0001 ExpiredCard

31 SUP 17:56:41 CASH UNIT TOTALS

32 SUP 17:56:41 Type 3 4 5 6

33 SUP 17:56:41 Total 99 99 99 99

34 SUP 17:56:41 Left 96 98 98 98

35 SUP 17:56:41 Card 2 0 0 0

36 SUP 17:56:41 Reject 1 1 1 1

37 SUP 17:56:41 Retract 0 0 0 0

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38 SUP 17:56:41 Adj 0 0 0 0

39 SUP 17:56:41 Pwr Adj 0 0 0 0

40 SUP 17:56:41 Retract Events 0

41 SUP 17:56:41 Adj Events 0

42 SUP 17:56:41 Neg Adj Events 0

43 SUP 17:56:41

44 SUP 17:56:43 ATM 17:56:43 UPTIMECOUNT CLEARED

45 SUP 17:56:43

46 SUP 17:56:44 GL TOTALS PRINT GOT SETTLEMENT GRP:A

47 SUP 17:56:44 CURR1 TOTALS: 40.00 2

48 SUP 17:56:44 CURR2 TOTALS: 0 0

49 SUP 17:56:44 CURR3 TOTALS: 0 0

50 SUP 17:56:44 CASH1 REV. TOTALS: 0 0

51 SUP 17:56:44 CASH2 REV. TOTALS: 0 0

52 SUP 17:56:44 CASH3 REV. TOTALS: 0 0

53 SUP 17:56:44 NON CASH REVS: 0

54 SUP 17:56:44

55 SUP 17:56:44 GL TOTALS PRINT GOT SETTLEMENT GRP:B-Y

56 SUP 17:56:44 CURR1 TOTALS: 0 0

57 SUP 17:56:44 CURR2 TOTALS: 0 0

58 SUP 17:56:44 CURR3 TOTALS: 0 0

59 SUP 17:56:44 CASH1 REV. TOTALS: 0 0

60 SUP 17:56:44 CASH2 REV. TOTALS: 0 0

61 SUP 17:56:44 CASH3 REV. TOTALS: 0 0

62 SUP 17:56:44 NON CASH REVS: 0

63 SUP 17:56:44

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64 SUP 17:56:44 GL TOTALS PRINT GOT SETTLEMENT GRP:Z

65 SUP 17:56:44 CURR1 TOTALS: 0 0

66 SUP 17:56:44 CURR2 TOTALS: 0 0

67 SUP 17:56:44 CURR3 TOTALS: 0 0

68 SUP 17:56:44 CASH1 REV. TOTALS: 0 0

69 SUP 17:56:44 CASH2 REV. TOTALS: 0 0

70 SUP 17:56:44 CASH3 REV. TOTALS: 0 0

71 SUP 17:56:44 NON CASH REVS: 0

72 SUP 17:56:44

73 SUP 17:56:44 END OF DAY FOR ATM ID: 9888

74 SUP 17:56:44 BRANCH: 0100 BRANCH 100

75 SUP 17:56:44

76 SUP 17:56:45 SIGNATURE:

77 SUP 17:56:45 DATE: 08/05/12 TIME: 17:56

o Line 1 is printed when the operator places the ATM into supervisor mode.
o Line 2 shows that the operator commenced a Daily Service procedure.
o Lines 3 – 25 record the level of transactional activity on the ATM since the previous Daily
Service. The ATM records total by Transaction Type.
o Lines 27 – 30 record the cards captured since the previous Daily Service. The reason for the
card capture is also recorded.
o Lines 31 – 42 record the ATM’s cash totals for each logical cassette (denomination) defined on
the ATM. In the journal excerpt above, 4 denominations have been defined with type values of
3, 4, 5 and 6. The operator added 99 notes to the ATM for each denomination; the ATM
moved 1 note of each type to the Reject bin and 2 notes of type 3 were dispensed to the
cardholder.
o Lines 46 – 53 provide a breakdown of the cash dispensed to cardholders from settlement
group A. By default, cash withdrawals by ‘on-us’ cardholders from local branches are tracked
by this settlement group.
o Lines 55 – 62 provide a breakdown of the cash dispensed to cardholders from settlement
groups B-Y. Settlement groups B-Y are defined on BankWorld or Sparrow and typically map to
not-on-us BIN classes.

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o Lines 64 – 71 provide a breakdown of the cash dispensed to cardholders from settlement

group Z. By default, cash withdrawals by on-us cardholders from remote branches are tracked
by this settlement group.
4.2.2 Daily Service - Part 2
The second part of the journal extract for a Daily Service procedure is below:

1 SUP 16:45:19 DSV START OF DAY

2 SUP 16:45:28 ADD 1 5 10EUR

3 SUP 16:45:29 ADD 2 5 20EUR

4 SUP 16:45:30 ADD 3 5 50USD

5 SUP 16:45:32 ADD 4 5 100EUR

6 SUP CASH UNIT STATUSES

7 SUP POS TYPE STATE COUNT DENOM

8 SUP 1 1 LOW 4 10EUR

9 SUP 2 2 LOW 4 20EUR

10 SUP 3 3 LOW 4 50USD

11 SUP 4 4 LOW 4 100EUR

12 SUP CASH UNIT TOTALS

13 SUP Type 1 2 3 4

14 SUP Total 5 5 5 5

15 SUP Left 4 4 4 4

16 SUP Card 0 0 0 0

17 SUP Reject 1 1 1 1

18 SUP Retract 0 0 0 0

19 SUP Adj 0 0 0 0

20 SUP Pwr Adj 0 0 0 0

21 SUP Retract Events 0

22 SUP Adj Events 0

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23 SUP Neg Adj Events 0

24 SUP Cash: [EUR]: [650] Added

25 SUP Cash: [USD]: [250] Added

26 SUP Fast Cash 0 Cash_Dep 0

27 SUP Withdraw1 0 Cheq_Dep 0

28 SUP Withdraw2 0 Mixed_Dep 0

29 SUP Withdraw3 0 Inst_Dep 0

30 SUP Balance 0 Bills_Ca 0

31 SUP Statement 0 Bills_Ch 0

32 SUP Mini_Stmt 0 Bills_Mx 0

33 SUP Full_Stmt 0 Bills_Ac 0

34 SUP Transfer 0 Cash_Rev 0

35 SUP ChequeBk 0 Other_Rev 0

36 SUP Draft 0 Correction 0

37 SUP Notice 0 Cards_Cap 0

38 SUP PIN_Ch 0 Network_with 0

39 SUP Network_Cor 0 Acptor_Prim 0

40 SUP Acptor_Secd 0 EMV_Cash 0

41 SUP C2C_Debits 0 C2C_Credit 0

42 SUP C2C_Rev 0 P2P_Money_Tx 0

43 SUP P2P_Cash_BNA 0 Voucher_Red 0

44 SUP Voucher_BNA 0 Voucher_Purc 0

45 SUP Notification 0 CCard_Pay 0

46 SUP 3rd_party 0 Network_FT 0

47 SUP FX_BNA_Totals 0

48 SUP BNATotals 0

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49 SUP

50 SUP *********** CARDS CAPTURED

51 SUP CARD NUMBER CAPTURE REASON

52 SUP ********************************

53 SUP SAF is working ok

54 SUP 16:47:29 OK: Daily Service

o Lines 2-5 record the number of notes added to each cassette.

o Lines 6-11 record the status of each cassette in the cash dispenser.
o Lines 12-20 record the initial value of the note counters for each cassette.
o Lines 26-48 record the initial value of the ATM Activity counters (initial value for each counter
should be ‘0’).
o Lines 50-52 record the cards that have been capture. This list should be empty.
4.2.3 Daily Service - Dual Dispenser
When BWAC performs a Daily Service on an ATM with dual cash dispensers, additional prompts
will appear in the journal identifying the left and right dispensers (‘R CDM’, ‘right CDM’, ‘L CDM’,
‘left CDM’).
The second part of the journal extract from a Daily Service on a dual dispenser ATM is below:

1 SUP 16:45:19 DSV: START OF DAY

2 SUP 16:45:28 ADD R CDM 1 5 10EUR

3 SUP 16:45:29 ADD R CDM 2 5 20EUR

4 SUP 16:45:30 ADD R CDM 3 5 50USD

5 SUP 16:45:32 ADD R CDM 4 5 100EUR

6 SUP CASH UNIT STATUSES right CDM

7 SUP POS TYPE STATE COUNT DENOM

8 SUP 1 1 LOW 4 10EUR

9 SUP 2 2 LOW 4 20EUR

10 SUP 3 3 LOW 4 50USD

11 SUP 4 4 LOW 4 100EUR

12 SUP CASH UNIT TOTALS right CDM

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13 SUP Type 1 2 3 4

14 SUP Total 5 5 5 5

15 SUP Left 4 4 4 4

16 SUP Card 0 0 0 0

17 SUP Reject 1 1 1 1

18 SUP Retract 0 0 0 0

19 SUP Adj 0 0 0 0

20 SUP Pwr Adj 0 0 0 0

21 SUP Retract Events 0

22 SUP Adj Events 0

23 SUP Neg Adj Events 0

24 SUP Cash: [EUR]: [650] Added

25 SUP Cash: [USD]: [250] Added

26 SUP 16:46:32 ADD L CDM 1 5 10EUR

27 SUP 16:46:33 ADD L CDM 2 5 20EUR

28 SUP 16:46:34 ADD L CDM 3 5 50USD

29 SUP 16:46:35 ADD L CDM 4 5 100EUR

30 SUP CASH UNIT STATUSES left CDM

31 SUP POS TYPE STATE COUNT DENOM

32 SUP 1 1 LOW 4 10EUR

33 SUP 2 2 LOW 4 20EUR

34 SUP 3 3 LOW 4 50USD

35 SUP 4 4 LOW 4 100EUR

36 SUP CASH UNIT TOTALS left CDM

37 SUP Type 1 2 3 4

38 SUP Total 5 5 5 5

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39 SUP Left 4 4 4 4

40 SUP Card 0 0 0 0

41 SUP Reject 1 1 1 1

42 SUP Retract 0 0 0 0

43 SUP Adj 0 0 0 0

44 SUP Pwr Adj 0 0 0 0

45 SUP Retract Events 0

46 SUP Adj Events 0

47 SUP Neg Adj Events 0

48 SUP Cash: [EUR]: [650] Added

49 SUP Cash: [USD]: [250] Added

50 SUP Fast Cash 0 Cash_Dep 0

51 SUP Withdraw1 0 Cheq_Dep 0

52 SUP Withdraw2 0 Mixed_Dep 0

53 SUP Withdraw3 0 Inst_Dep 0

54 SUP Balance 0 Bills_Ca 0

55 SUP Statement 0 Bills_Ch 0

56 SUP Mini_Stmt 0 Bills_Mx 0

57 SUP Full_Stmt 0 Bills_Ac 0

58 SUP Transfer 0 Cash_Rev 0

59 SUP ChequeBk 0 Other_Rev 0

60 SUP Draft 0 Correction 0

61 SUP Notice 0 Cards_Cap 0

62 SUP PIN_Ch 0 Network_with 0

63 SUP Network_Cor 0 Acptor_Prim 0

64 SUP Acptor_Secd 0 EMV_Cash 0

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65 SUP C2C_Debits 0 C2C_Credit 0

66 SUP C2C_Rev 0 P2P_Money_Tx 0

67 SUP P2P_Cash_BNA 0 Voucher_Red 0

68 SUP Voucher_BNA 0 Voucher_Purc 0

69 SUP Notification 0 CCard_Pay 0

70 SUP 3rd_party 0 Network_FT 0

71 SUP FX_BNA_Totals 0

72 SUP BNATotals 0

73 SUP

74 SUP *********** CARDS CAPTURED

75 SUP CARD NUMBER CAPTURE REASON

76 SUP ********************************

77 SUP SAF is working ok

78 SUP 16:47:29 OK: Daily Service

o Lines 2-5 record the number of notes added to cassettes in the right dispenser.
o Lines 6-11 record the status of each cassette in the right cash dispenser.
o Lines 12-20 record the note counters for each cassette in the right cash dispenser.
o Lines 26-29 record the number of notes added to cassettes in the left dispenser.
o Lines 30-35 record the status of each cassette in the left cash dispenser.
o Lines 36-44 record the note counters for each cassette in the left cash dispenser.
o Lines 50-72 record the initial value of the transactional activity counters on the ATM. All
counters will have an initial value of ‘0’. These counters will measure transactional activity on
both CDMs.
o Lines 74-76 record the cards captured since the previous Daily Service. The reason for the card
capture is also recorded.
4.3 Add Cash
The journal extract for an ‘Add Cash’ procedure is below:

1 ATM 15:30:52 ENTER SUPERVISOR 08/05/12

2 SUP 15:30:59 SVC: Add Cash

3 SUP 15:30:59 Fast Cash 2 Cash_Dep 0

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4 SUP 15:30:59 Withdraw1 0 Cheq_Dep 0

5 SUP 15:30:59 Withdraw2 0 Mixed_Dep 0

6 SUP 15:30:59 Withdraw3 0 Inst_Dep 0

7 SUP 15:30:59 Balance 1 Bills_Ca 0

8 SUP 15:30:59 Statement 1 Bills_Ch 0

9 SUP 15:30:59 Mini_Stmt 0 Bills_Mx 0

10 SUP 15:30:59 Full_Stmt 0 Bills_Ac 0

11 SUP 15:30:59 Transfer 1 Cash_Rev 0

12 SUP 15:30:59 ChequeBk 0 Other_Rev 0

13 SUP 15:30:59 Draft 0 Correction 0

14 SUP 15:30:59 Notice 0 Cards_Cap 0

15 SUP 15:30:59 PIN_Ch 0 Network_with 0

16 SUP 15:30:59 Network_Cor 0 Acptor_Prim 0

17 SUP 15:30:59 Acptor_Secd 0 EMV_Cash 0

18 SUP 15:30:59 C2C_Debits 0 C2C_Credit 0

19 SUP 15:30:59 C2C_Rev 0 P2P_Money_Tx 0

20 SUP 15:30:59 P2P_Cash_BNA 0 Voucher_Red 0

21 SUP 15:30:59 Voucher_BNA 0 Voucher_Purc 0

22 SUP 15:30:59 Notification 0 CCard_Pay 0

23 SUP 15:30:59 3rd_party 0 Network_FT 0

24 SUP 15:30:59 FX_BNA_Totals 0

25 SUP 15:30:59 BNATotals 0

26 SUP 15:31:00

27 SUP 15:31:09 Add 15:31:09 2 50 20USD

28 SUP 15:31:11 Add 15:31:11 1 50 20EUR

29 SUP 15:31:12 Add 15:31:12 3 50 20GBP

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30 SUP 15:31:13 CASH UNIT STATUSES

31 SUP 15:31:13 POS TYPE STATE COUNT DENOM

32 SUP 15:31:14 1 2 LOW 148 20USD

33 SUP 15:31:14 2 1 LOW 144 20EUR

34 SUP 15:31:14 3 2 HEALTHY 20USD

35 SUP 15:31:14 4 3 HEALTHY 148 20GBP

36 SUP 15:31:15 Cash: [EUR]: [1000] Added

37 SUP 15:31:16 Cash: [USD]: [1000] Added

38 SUP 15:31:17 Cash: [GBP]: [1000] Added

39 SUP 15:31:22 OK: Add Cash

o Line 1 is printed when the operator places the ATM into supervisor mode.
o Line 2 shows that the operator commenced an Add Cash procedure. Lines 3-25 shows the
transaction totals since the last Daily Service procedure.
o Lines 3-25 shows the transaction totals since the last Daily Service procedure.
4.3.1 Print GL Cash Totals
Print GL Cash Totals prints the total amount of cash withdrawn and the number of cash
withdrawal transactions since the last general ledger balance (business day) on to the Journal.
BWAC prints totals for each type of settlement group:
o Group A: local IMD, local branches.
o Groups B to Y: as defined in BankWorld.
o Group Z: local IMD, remote branches.
BWAC prints the following totals and counts for settlement group A to the journal printer.
(see next page)

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BWAC prints the following totals and counts for settlement group B to Y on the journal printer:

BWAC prints the following totals and counts for settlement group Z on the journal printer:

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The final printout shows an ATM activity summary by Transaction Type since the last general
ledger balance:

4.3.2 ATM Restart

1 ATM 16:05:21 BWAC STARTING UP

2 ATM 16:05:33 COMMS DOWN

3 ATM 16:05:37 NO OFFLINE SERVICE

4 ATM 16:06:13 CONN EMVENGINE: [OK]

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5 HDW 16:06:13 CONN IDC: [OK]

6 HDW 16:06:13 CONN PIN: [OK]

7 HDW 16:06:14 CONN SENSORS: [OK]

8 HDW 16:06:14 CONN DOORS: [OK]

9 HDW 16:06:15 CONN CDM: [OK]

10 HDW 16:06:15 CONN DEP: [OK]

11 HDW 16:06:15 CONN GLIGHTS: [OK]

12 HDW 16:06:16 CONN INDICATORS: [OK]

13 HDW 16:06:16 CONN RPTR: [OK]

14 HDW 16:06:16 CONN CIM: [OK]

15 HDW 16:06:16 CONN NSD: [OK]

16 HDW 16:06:17 CONN BCR: [OK]

17 ATM 16:06:20 COMM UP

18 ATM 16:06:21 Requesting Missed Functions

19 ATM 16:06:24 IDL - - - 4.0.1.9.0 - - - -

20 ATM 16:06:25 ATM OPEN 18/04/12

o Line 1 is printed when the ATM was restarted.

o Line 2 is printed when the communication links to BankWorld or Sparrow is down.
o Line 4 is printed when the EMV Engine has successfully passed its self-test.
o Line 5 is printed when the card reader has successfully passed its self-test.
o Line 6 is printed when the PIN pad has successfully passed its self-test.
o Line 7 is printed when checks carried out on the sensors have been successful.
o Line 8 is printed when checks carried out on the doors have been successful.
o Line 9 is printed when the cash dispenser has successfully passed its self-test.
o Line 10 is printed when the envelope depository has successfully passed its self-test.
o Line 11 is printed when checks carried out on the guide lights have been successful.
o Line 12 is printed when the indicators has been checked successfully.
o Line 13 is printed when the receipt printer has successfully passed its self-test.
o Line 14 is printed when the cash acceptor has successfully passed its self-test.
o Line 15 is printed when the night safe depository has successfully passed its self-test.
o Line 16 is printed when the bar code reader has successfully passed its self-test.
o Line 17 is printed when the communication links to BankWorld or Sparrow is restored.

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o Line 18 is printed when the ATM requests a configuration update from BankWorld or Sparrow.
o Line 19 is printed when the ATM re-enters its idle loop.
o Line 20 is printed when the ATM is open for customer transactions.
4.4 Authorise
The journal extract for an Authorise procedure at the ATM is next:

1 SUP 10:32:01 SVC Authorise

2 SUP 10:32:01 SAFE DOOR IS OPEN

3 SUP 10:32:04 SAFE DOOR IS CLOSED

4 SUP 10:32:22 USR AUTHORISED

5 SUP 10:32:22 OK: Authorised

o Line 1 records the service that the operator selected at the ATM.
o Lines 2-3 show that the operator opened and closed the ATM’s safe door in order to prove
that he had physical access to the ATM.
o Line 5 records that the operator has been successfully authorised.
4.5 Error Codes
BWAC will occasionally print an error code on the journal when a serious event occurs on a
hardware device.
Note: only a small selection of the codes listed below will appear on the journal - some codes
indicate a successful event.
4.5.1 Card Reader

Device Reason
Code

-1 No event was received from the card reader

1 Card was accepted

2 Card is invalid

3 Card acceptance was cancelled by the card reader

4 Card was taken by the card holder

5 Card was captured by the card reader

6 Card was ejected by the card reader

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7 BWAC timed out while waiting for a response from the card reader

8 A hardware error occurred on the card reader

9 Card was read successfully

10 Card was written successfully

11 A fatal software error occurred when accessing the card reader

12 A connection to the card reader has been opened

13 A connection to the card reader has been closed

14 A lock timeout occurred during a card reader operation

15 Card reader has been locked

16 Card reader has been unlocked

17 BWAC was unable to enable events at this time and this operation has
been deferred.

18 Chip data has been received from the card reader

19 Chip data is invalid

20 BWAC’s device monitor process has detected a change of status

4.5.2 Cash Dispenser

Device Reason
Code

-1 No event was received from the cash dispenser

1 A fatal error occurred in the Cash Dispenser Service Provider

2 The connection to the cash dispenser is open

3 The connection to the cash dispenser is closed

4 The cash dispenser is locked

5 The cash dispenser is unlocked

6 The attempt to lock the cash dispenser has timed out

7 The notes mix is complete

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8 The requested amount is not dispensable

9 The cash has been dispensed

10 A hardware error occurred at the cash dispenser

11 The cash has been presented

12 The cash has been taken by the card holder

13 BWAC timed out waiting on the cash dispenser

14 The cash was retracted

15 The shutter is open

16 The shutter is closed

17 BWAC was unable to enable events at this time and this operation has
been deferred.

18 The cash was rejected

19 The exchange operation during Daily Servicewas completed

20 The exchange operation was initiated

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