Manual Transaction

It is the transaction in which participants log on to CDRS and finds the original transaction through the Platform to initiate associated transaction aiming at original transaction.

5.1.10.1 Manual Pre-authorization Cancellation Transaction 0100/0110

As for pre-authorization that is successfully switched via CUPS, acquirer may cancel it manually on public services platform. After receiving manual cancellation request on public services platform, CUPS will send manual pre-authorization cancellation request message to issuer. If CUPS does not receive response after sending out the manual pre-authorization cancellation message, a notice of transaction failed will be prompted on the operation interface, and meanwhile CUPS will send a manual pre-authorization cancellationreversal advice to issuer.

The transaction is involved in issuer’s reconciliation instead of acquirer’s reconciliation.

5.1.10.1.1 Normal Transaction Flow

·¢

31

er

 1—Acquirer logs onto the CPU public services platform and initiates pre-authorization cancellation (manual) transaction

 2—CPU public services platform informs CUPS of pre-authorization cancellation (manual)

 3—CUPS will send pre-authorization cancellation (manual) request message to issuer immediately after receiving it

 4—Issuer sends back pre-authorization cancellation (manual) response massage to CUPS

Figure 16 Normal Flow of manual Pre-authorization Cancellation

5.1.10.1.2 Abnormal Transaction Flow

When the sender cannot send the manual pre-authorization cancellationrequest to the receiver, or does not receive manual pre-authorization cancellation response from the Acquirer

CDRS

Issuer

receiver, it will initiate manual pre-authorization cancellationreversal.

 1—Acquirer initiates pre-authorization cancellation (manual) transaction on the CDRS

 2—PCDRSsends the pre-authorization cancellation (manual) request to CUPS

 3—Pre-authorization cancellation (manual) request sent to issuer by CUPS is lost on the way due to failure, and it will cause CUPS timeout

 4—Pre-authorization cancellation (manual) reversal advice sent to issuer by CUPS

 5—Pre-authorization cancellation (manual) reversal response sent to CUPS by issuer

Figure 17 Abnormal Flow of Manual Pre-Authorization Cancellation

5.1.10.2 Manual Refund

For settled purchase transactions, MO/TO Purchase, acquirer may initiate manual refund on the UnionPay public services platform to return the amount consumed by the cardholder.

Manual refund transaction processing flow and features are as follows:

 Acquirer may initiate manual refund transaction after finding the original transaction through CDRS, or refund transaction information could be manually entered, and CUPS will directly settle the refund transaction.

 Manual refund supports full amount refund, partial amount refund and multiple times of refund.

 Manual refund could be cancelled on the UnionPay public services platform before end-of–day of current day. After cancellation, original manual refund and manual

Issuer

CDRS

Acquirer

33

A c q u i r e r

refund cancellation transactions will not be in the files distributed by CUPS.

 CUPS will not send any online message to participants.

 Manual refund is not involved in reconciliation.

 Whether acquirer adopts single message or dual message, manual refund transaction is recorded in the general audit trailer file and is included in the statistics of the Summary Report as well.

General transaction processing flow for manual refund is as follows:



 Acquirer logs onto the CUP public services platform to initiate manual refund

 CDRS informs CUPS of the manual refund advice

 At end of day, CUPS sends transaction details and dispute files to issuer

5.1.10.3 Manual Pre-authorization Completion

As for pre-authorization successfully switched via CUPS, acquirer may settle it by submitting manual pre-authorization completion on the public services platform.

Manual Pre-authorization completion processing flow and features are as follows:

 Manual Pre-authorization completion could be cancelled manually on the public services platform before end-of-day of current day. After cancellation, original

Acquirer

CDRS

Iss uer

Acquirer Issuer

manual pre-authorization completion and manual pre-authorization completion cancellation transactions will not be in the files distributed by CUPS.

 CUPS will not send any online message to participants.

 This transaction is not involved in reconciliation.

 Whether acquirer adopts single message or dual message, manual pre-authorization completion transaction is sent to participants through general transaction detail files and is included in the statistics of Summary Report as well.

 If issuer adopts dual message, then manual pre-authorization completion transaction is recorded in dual message settlement files and is included in the statistics of the Summary Report as well.

 If issuer adopts single message, then manual pre-authorization completion transaction is recorded in the transaction detail files and is included in the statistics of the Summary Report as well.

General processing flow for manual pre-authorization completion is as follows:

UnionPay Public Services Platform

 1－Acquirer logs onto the UnionPay public services platform to initiate manual pre-authorization completion

 2－CDRS informs CUPS of the pre-authorization completion (manual)

 3－After cutoff, CUPS sends general transaction detail files to issuer, including pre-authorization completion

35

Acquirer Issuer

Figure 19 General Processing Flow for Manual Pre-Authorization Completion

5.1.10.4 Manual Remittance Transaction

If the remittance has been kept by Acquirer while the transaction is not settled by CUPS, Acquirer should log onto the UnionPay dispute resolution system to find Remittance Verification Transaction and initiate manual remittance transaction

Manual Remittance processing flow and features are as follows:

 Manual Remittance Transaction can be manually cancelled in dispute resolution system before cutoff. After cancellation, original Manual Remittance and original Manual Remittance Transaction Cancellation would not appear in files delivered by CUPS.

 CUPS would not send any online Advice Message to Institutions.

 This Transaction would not participate in the online reconciliation.

 Manual Remittance Transaction is sent to Institutions by general Audit Trailer File which is also included in Summary Report.

Manual Remittance Transaction Processing Flow is as follows:

UnionPay Dispute Resolution Platform

 1－Acquirer logs onto the CDRS to initiate manual Remittance

 2 － UnionPay Dispute Resolution Platform informs CUPS of the manual Remittance

 3－After cutoff, CUPS sends general transaction detail files to participants, including manual Remittance

Figure 20 General Processing Flow for Manual Remittance

5.1.10.5 Manual MO/TO Pre-authorization Cancellation

The procedure of manual MO/TO Pre-authorization Cancellation is the same as Manual Pre-authorization Cancellation0100/0110 specified in Section 5.1.10.1

5.1.10.6 Manual MO/TO Pre-authorization Completion

The transaction procedure of manual MO/TO Pre-authorization Completion is the same as the Manual Pre-authorization Completion specified in Section 5.1.10.3.