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A debit cardholder goes to an ATM and inputs $100 as the withdrawal amount. A bug in the ATM's software causes the authorization to be sent twice but only $100 to be dispensed. The ATM's software detects the duplicate authorization and sends a reversal for $100. The following are true:
- The initial available balance is $1000.
- The ATM validates the debit card with a PIN.
- The network is Allpoint.
Events in the same step have the same timestamp.
- Allpoint sends two authorization requests for –100.00 each.
- SoFi Tech Solutions approves the requests and places two –100.00 holds on the account. The available balance is now 800.00. SoFi Tech Solutions sends two
BAUT: auth event messages.
- Allpoint sends a reversal for 100.00.
- SoFi Tech Solutions posts 100.00 to the account. The available balance is now 900.00. SoFi Tech Solutions sends an
AAAU: auth event message.
- Allpoint sends a batch file that contains both –100.00 withdrawals plus the 100.00 reversal.
- SoFi Tech Solutions backs out both of the 100.00 holds and posts –100.00 to the account twice, and then reverses out the 100.00 credit and posts 100.00 to the account again. The available balance is still 900.00. SoFi Tech Solutions sends three
SETL: setl event messages.
These tables show how the transactions are represented by various systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.
| auth_type | transaction_type | trans_amount | auth_id | original_id | available_funds | timestamp |
|---|
| Auth | ATM | 100.00 | 5522 | 0 | 1000 | 20210414:132615MST |
| Auth | ATM | 100.00 | 7777 | 0 | 900 | 20210414:132619MST |
| Reversal | ATM | 100.00 | 9966 | 7777 | 800 | 20210414:132659MST |
| msg_id | type | amount | auth_id | original_auth_id | open_to_buy | timestamp |
|---|
| BAUT | auth | 100 | 5522 | 0 | 900 | 2021-04-14 13:26:15 MST |
| BAUT | auth | 100 | 7777 | 0 | 800 | 2021-04-14 13:26:19 MST |
| AAAU | auth | 100 | 9966 | 7777 | 900 | 2021-04-14 13:26:59 MST |
| SETL | setl | 100 | 5522 | 0 | 900 | 2021-04-15 07:08:28 MST |
| SETL | setl | 100 | 7777 | 0 | 800 | 2021-04-15 07:08:28 MST |
| SETL | setl | 100 | 9966 | 7777 | 900 | 2021-04-15 07:08:29 MST |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE | REVERSAL ID | TRANSACTION DATE/TIME |
|---|
| -100.00 | 5522 | 9 | 0 | 2021-04-14 13:26:15 |
| -100.00 | 7777 | 9 | 0 | 2021-04-14 13:26:19 |
| 100.00 | 9966 | 9 | 7777 | 2021-04-14 13:26:59 |
| TRANSACTION AMOUNT | AUTHORIZATION CODE | TRANSACTION CODE/TYPE | SOURCE ID | TRANSACTION DATE/TIME | POST DATE |
|---|
| -100.00 | 5522 | ASW | 5522 | 2021-04-14 13:26:15 | 2021-04-15 07:08:28 |
| -100.00 | 7777 | ASW | 7777 | 2021-04-14 13:26:19 | 2021-04-15 07:08:28 |
| 100.00 | 9966 | ASR | 9966 | 2021-04-14 13:26:59 | 2021-04-15 07:08:29 |
This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview.
| amt | auth_id | original_auth_id | type | local_amt | timestamp |
|---|
| -100 | 5522 | 0 | W | 000000010000 | 2021-04-14 13:26:15 |
| -100 | 7777 | 0 | W | 000000010000 | 2021-04-14 13:26:19 |
| 100 | 9966 | 0 | R | 000000010000 | 2021-04-14 13:26:59 |
This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.
| amt | source_id | original_auth_id | trans_code | auth_ts | post_ts |
|---|
| -100 | 5522 | 0 | APW | 2021-04-14 13:26:15 | 2021-04-15 07:08:28 |
| -100 | 7777 | 0 | APW | 2021-04-14 13:26:19 | 2021-04-15 07:08:28 |
| 100 | 9966 | 0 | APR | 2021-04-14 13:26:59 | 2021-04-15 07:08:29 |
This endpoint returns the same transactions as the All Transactions screen of the CST.
| amt | auth_id | prior_id | trans_code | source_id | rolling_balance | credit_ind | auth_ts | post_ts |
|---|
| -100 | 5522 | 0 | APW | 5522 | 900 | N | 2021-04-14 13:26:15 | 2021-04-14 13:26:15 |
| -100 | 7777 | 0 | APW | 7777 | 800 | N | 2021-04-14 13:26:19 | 2021-04-14 13:26:19 |
| 100 | 9966 | 7777 | APR | 9966 | 900 | N | 2021-04-14 13:26:59 | 2021-04-14 13:26:59 |
| 100 | None | None | ABW | 5522 | 1000 | None | None | 2021-04-15 07:08:28 |
| 100 | None | None | ABW | 7777 | 1100 | None | None | 2021-04-15 07:08:28 |
| -100 | 5522 | 0 | ASW | 5522 | 1000 | N | 2021-04-14 13:26:15 | 2021-04-15 07:08:28 |
| -100 | 7777 | 0 | ASW | 7777 | 900 | N | 2021-04-14 13:26:15 | 2021-04-15 07:08:28 |
| -100 | None | None | ABR | 9966 | 800 | None | None | 2021-04-15 07:08:29 |
| 100 | 9966 | 7777 | ASR | 9966 | 900 | N | 2021-04-14 13:26:19 | 2021-04-15 07:08:29 |
