The Balance Enquiry transaction is performed to check the Balance of any given card.

Activity

Sequence

Step	Screen	User Action	Terminal Action
1.0		Select menu button from the idle screen	Menu allows user to navigate the various supported transactions.
1.1		Select Transactions Menu and select Balance Enquiry.	Terminal Displays Balance Enquiry option only when Balance Enquiry Transaction is enabled. On selection of Balance Enquiry, proceed to step 1.2 .
1.2		Insert chip card or swipe card or key-in card number or tap card.	Merchant is prompted to present the card. For keyed-in/Manual , proceed to step 1.3 . For swipe and valid magnetic stripe, proceed to step 1.6 else to step 2.8. For insertion/tap and valid chip card, proceed to step 1.8 else to step 2.7. On user timeout, proceed to step 2.6. The configured user timeout period(TERMINAL->USER_ENTRY_TIMEOUT]) is 30 seconds. For  key press, proceed to step 2.5.
1.3		Enter the PAN number.	Merchant is prompted to enter the card number. If the card number is valid (Refer Business Rules for Valid Card Number), proceed to step 1.4 else it will reprompt to enter the card number.
1.4		Enter Expiry Date.	Terminal prompts to enter expiry date. The expiry date check is executed if CONFIG.CARD.EXPIRY_DATE_CHECK_ENABLED feature is enabled. The provided date is checked for validity against the month and year range. If expiry date is valid and CVV entry is enabled , then it proceed to step 1.5 else to step 1.7. If expiry date validation fails , it proceed to step 2.7.
1.5		Enter CVV number or press  key to bypass.	If CVV number is entered, proceed to step 1.7 . If  key is pressed bypass and proceed to step 1.7. If  key is pressed , proceed to step 2.5. If user timeout happens, proceed to step 2.6.
1.6		Select account type among savings/current/credit options.	On selection, Proceed to step 1.8 .
1.7		Select card persent mode among card_present/mail_order/phone_order options.	On selection, Proceed to step 1.8.
1.8		None.	Application initiates processing with host and then proceed to step 1.8.
1.9		None.	On successful connection, while communicating with host to transmit and recieve messages, terminal displays connected screen. For host approve, screen is displayed with Available Balance Amount based on the below configuration paramter. TERMINAL->BALANCE_ENQUIRY_PRINT_RECEIPT_OPTION Behaviour based on the value of above configuration paramter. If value is 0 - No Receipt (proceed to step 2.0) If value is 1 - Always print Merchant Receipt (proceed to step 2.1) If value is 2 - Prompt for user input to print receipt (proceed to step 2.2) For unsuccessful connection, transaction is cancelled with “communication error”. For host declined, Transaction gets declined.
2.0		None.	For Approved transaction , screen is displayed with Available Balance Amount and then proceed to step 1.1.
2.1		Select Yes or No to print the Merchant Copy	For Approved transaction , screen is displayed with Print Receipt option alongwith Available Balance Amount. If yes is selected terminal prints the Merchant copy and then proceed to step 2.2. If No is selected terminal then proceed to step 2.0 .
2.2		None.	Display to inform user that the Merchant copy of the receipt is printing. Same Screen is displayed with Available Balance Amount also.
2.3		Selects yes or no to print the customer copy.	If yes is selected terminal prints the customer copy and then proceed to step 1.1 . If merchant doesn’t provide input within 3 secs , timeout happens and customer receipt gets printed automatically and then proceed to step 1.1 .
2.4		Remove chip card from terminal. If the Card is not removed in 10 seconds an audible beep informs the merchant to remove the card.	After finishing the transaction if chip card is still present/inserted in the terminal, the terminal prompts user to remove the chip card before going back to Main menu.
2.5		Press  key or user timeout.	Goes back to to main menu i.e step 1.1.
2.6		Press  key or user timeout.	Goes back to main menu i.e step 1.1.
2.7		Press  key or user timeout.	Goes back to step 1.1.
2.8		Press  key or user timeout.	Goes back to main menu i.e step 1.1.

Business Rules

1. Enable Balance Enquiry Feature:

Balance Enquiry feature is configurable (enable / disable). Balance Enquiry Menu option gets displayed if the configuration BALANCE_ENQUIRY_ENABLED under Acquirer Features Table is enabled.

2. Card Technologies:

The card technologies are enabled/disabled based on the feature configurations. The feature flags are mentioned as below.

TERMINAL->MANUAL_ENTRY_ENABLED

EMV_TERM_CONFIG->EMV_ENABLED

EMV_TERM_CONFIG->CONTACTLESS_ENABLED

CARD->LUHN_CHECK_ENABLED

3. Manual Card Entry Prompt:

Manual card entry is configurable (enable / disable) The user is prompted to enter PAN manually on selecting the numeric key on “Present Card” screen.

The PAN number and its length is validated against the configuration. The configuration paramter is mentioned below.

CARD->MAX_PAN_DIGIT (value : 19)

CARD->MIN_PAN_DIGIT (value :12)

A prompt is displayed to capture the manual card entry details from the merchant. The below options can be configured for this screen based on the merchant’s requirement. If more than two options are configured a screen is presented to select the mode or the user is presented with a screen for Expiry and CVV details.

Screen prompted for selecting Card Present Mode

Following are the supported prompts for Manual Card Entry mode:

• Card Present
• Mail Order
• Phone Order
• ECS
• ECN
• RCUR
• Unspecified

After selecting the desired option, user will be prompted to enter Expiry and Card Verification Value (CVV) details for the card.

The prompt for the Card Verification Value (CVV) is based on the config parameter CVV_PROMPT_MODE under the card table:

• Do not Prompt Card Verification Value (CVV) Always
• Prompt Always
• Prompt only when Card is not present

The Card Verification Value (CVV) details can always be skipped. If the CVV_BYPASS_REASON_ENABLED is enabled in card features table, the application captures the reason for the Card Verification Value (CVV) skip. Card Verification Value (CVV) will be prompted in 4DBC prompt if the configuration FOURDBC_PROMPT_MODE under card table is enabled.

Below are the options shown to the user to select the reason for Card Verification Value (CVV) skipping.

• Not Provided
• Not Readable
• Not On Card

4. Non-Manual Card Entry Options:

The card details in - Europay, MasterCard and Visa (EMV) Transaction: will be retrieved from the chip card.

• Magnetic Stripe Card (MSR) Transaction: will be retrieved on card swipe. The account types are displayed based on the feature configuration. The feature flags are mentioned as below.

  CARD->SAVINGS_ENABLED

  CARD->CHEQUE_ENABLED

  CARD->CREDIT_ENABLED

• Contactless Transaction: will be retrieved upon card tap.

5. Balance Enquiry Allowed:

Balance inquiry transaction is allowed for the card presented and determine whether to continue the balance inquiry transaction or display “Not Allowed” alert in the terminal. Balance Enquiry transaction is allowed if the BALANCE_ENQUIRY_ENABLED under card features table is enabled.

6. Select and Load Acquirer:

Application data dictionary parameters influencing the business rule

On successful acquire selection tranaction data container would be updated with the folowing properties

• AcquirerID
• TerminalID
• MerchantID
• StanNo
• AcquirerIndex
• TxnNII
• AcquirerBatchNumber
• HostName

7. Host Connect:

Application uses the selected acquirer and invoke Application Programming Interface (API) initAcquirer so that the connection with the host can be established. On successful host connection is made the balance enquiry trasaction is continued otherwise, transaction would be declined.

8. Receipt Printing:

Merchant copy is printed based on the configuration parameter. Customer copy printing can be cancelled by the user. The Parameter is BALANCE_ENQUIRY_PRINT_RECEIPT_OPTION under Terminal table.

Configuration