Flow Transaction Message

For made a financial transaction, the first! Atm must send a transaction request to the ATM-C on data centre of a bank. From last section, we know a transaction request consists of component or element like below ;
• Card Number
• PIN Number
• Transaction Type
• Amount
• Buffer or another information.
From picture above we can see a illustration for a cycle of financial transaction on a ATM for commonly, because not all transaction on a bank have flow cycle like this.
From picture, a transaction request or trx sending to the ATM controller at host side. ATM-C will be procces this TRX . the first step on this procces is Cek & Confirmation. All step on this flow message like below ;
1. Card Cheking
The first ATM- C will be cheking card of customer. If validity of card is Success, the procces will be go the next step. But if card is not valid, The ATM-C will do function command to the atm to tell the atm for displayed to the screen for showed customer about information invalid card.
But if status card in the card management system in HOT(stolen by thief or missing according report from customer) The ATM_C wiil give function command to the atm for retained the card and show information reason why that card is retained.
2. PIN Cheking
If Cheking card is OK, The ATM-C will Cheking PIN Number of customer. If result of PIN Cheking is OK, ATM_C wiil continue to the next procces, but if not, ATM_C send a function command to ATM to tell Customer about wrong PIN. And commonly ATM-C will give chance three times to the customer for reenter the correct Pin Number. But if three times still failed, The ATM-C will send Function Command to retain card.
3. Confirmation And Approval
If no problem with PIN and Card Cheking, the next procces is Confirmation and approval. In this procces ATM-C will cheking the type of transaction, amount of transaction and another information on this transaction. After that ATM-C will send that information to the DataBank Host for approval.
4. Function Command
If ATM-C have receive Approval Status form host, The ATM C will send A function command to the ATM. For example if transaction type is withdrawl, and Host approve this transaction, ATM-C will give function command to the ATM for Dispense money regarding amount transaction, Recording transction on Journal Printer, and Print receipt for customer on Receipt Printer.
5. Reply Command
If ATM succesfull to execute function command from ATM-C, Atm will send the replky command to tell ATM-C about that transaction is OK or Succesfull. But if Not succesfull, ATM still send Reply Command to ATM-C, Whisc this reply Command filled with Error Code and Reason why ATM cannot Execute the function Command. If ATM-C receive reply command like this, ATM-C will Report this Failed transaction to the Host for REVERSAL (the bank not Debet the account of customer).