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Comment: Dependencies

Timeframes

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Chargeback Reason

To transfer lost/stolen/non-received fraud liability from the Issuer to the Acquirer for Transactions conducted with an AEIPS chip and PIN Card at a POS device that is unable to process an AEIPS chip and PIN Transaction. Only Transactions that take place in designated countries are eligible for Lost/Stolen/Non-received FLS.

Description

A Transaction has occurred for which:

  • The Cardmember denies participation, and
  • The Transaction is classified by the Issuer as lost, stolen or non-received fraud, and
  • The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
  • The Transaction occurred at a merchant located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS, and
  • The Transaction was processed on a Card Account that was issued with an AEIPS chip/PIN Card, and
  • The Transaction was performed using a lower level technology than the Card, (Magnetic Stripe or key-entered), or the POS device was not able to accept PIN entry.

Conditions

The Issuer must meet all the following conditions:

  1. The Transaction information must be submitted to the GNS Fraud Repository as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
  2. The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.
  3. The Issuer was certified by AEGNS to process AEIPS Chip/PIN Card Transactions on or before the Transaction date.
  4. The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/ Non-received FLS.
  5. The Transaction occurred at an S/E a merchant located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS.
  6. The Transaction occurred on or after the AEGNS-designated AEIPS Lost/Stolen/Non-received FLS effective date for both the Issuer and Acquirer countries.
  7. The Card is identified as chip and PIN and one (1) of the following conditions are met:
    1. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
    2. The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used 
      due to the Terminal not being capable or the PIN pad was not working.
  8. For Final Chargeback - This Chargeback is only applicable if the First Chargeback was either a fraud type or one of the following:
    1. 4512 - Multiple Processing
    2. 4516 - Request for Support Not Fulfilled
    3. 4517 - Request for Support Illegible/Incomplete
    4. 4754 - Local Regulations/Legal Dispute

Dependencies

The Issuer must provide all of the following:

...

Timeframes

120 days from the Network Processing Date of the Presentment

Dependencies

  • The Transaction information must be submitted to the GNS Fraud Repository

...

  • as fraud either by manually entering into the WFIS or electronically transmitting it to the GNS Fraud Repository prior to the Chargeback submission date.
  • The Cardmember Account must be added to the Exception File no later than the Network Processing Date of the Chargeback.

Validations

The Issuer for the Transaction is located in an AEGNS-designated country for AEIPS
ValidationValueLogicAssociated Rule(s)
Is a POS transactionTrue
Within association window for submitting the chargebackTrue120 days from the Network Processing Date of the PresentmentHasChargebackWindowExpired

Is Eligible for 4799 Fraud Liability Shift - Lost/Stolen/Non-

received FLS

True

 The Transaction occurred at an S/E

Received

  • Is a POS transaction
  • The Issuer/Merchant for the Transaction is located in an AEGNS-designated country for AEIPS Lost/Stolen/Non-received FLS
True
  • The Transaction was processed on a Card Account that was issued with an AEIPS chip or AEIPS chip/PIN Card
TrueIsChipCard =TRUE
  • The Transaction was performed using a lower level technology than the Card (i.e., Magnetic Stripe or key-entered).
  • The Card is identified as chip and PIN and one (1) of the following conditions are met:
    • The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was not performed, or
    • The ICC chip/PIN indicator in the POS First Presentment (1240) message indicates that a chip Transaction was performed but the PIN was not used due to the Terminal not being capable or the PIN pad was not working.
True

Card Data Input Mode, position 7 != 5

Is a
  • IsPOSTransaction_A = true AND
  • Is4799FLSParticipating_A = true AND
  • Is4799ClaimReason_A AND
  • IsChipCard_A =true AND
    • (IsChipReadTransaction_A = false) OR
    • (IsChipReadTransaction_A = true AND ICC Chip/PIN Indicator Code = YN AND PIN Capture Capability =0,1) OR
    • ICC Chip/PIN Indicator Code = NN

Is4799EligibleCheck_A

A Mail/Telephone/Internet Transaction.False

Cardmember

present, position 5

Present = 2, 3 or S

IsMOTO_A
Transaction is identified as Fallback in the First Presentment.
A Fallback TransactionFalse

Card Data Input Mode

, position 7 False

= 9

Transactions that occurred in a country not designated by AEGNS for 
Lost/Stolen/Non-received FLS.

IsFallbackTransaction_A

Transaction that occurred in which either the Issuer or Acquirer is not located in a designated AEIPS Lost/Stolen/Non-received FLS.FalseIs4799FLSParticipating_A  = falseIs4799FLSParticipating_A
Automated Fuel Dispenser Transaction where the MCC is 5542 that originated from an
S/E Pin capture capability is no
merchant in Caribbean Countries, United States, or United States Territories.FalseCountry of origination = Caribbean Countries, United States, or United States Territories AND 
MCC= 5542

IsAFDExcluded_A

Transactions that occurred at a PIN capable and enabled POS device located in Caribbean Countries, United States, or United States Territories
FalseIs a
TruePIN Capture Capability Code != 0
and 
located in Caribbean, US or US Territories =
AND
Country of origination = Caribbean Countries, United States, or United States Territories

IsPinCapTermExcluded_A

A Digital Wallet Program Transaction.FalseCard present
, position 6
= Y or Z
Is an

IsDigitalWalletTransaction_A

A Expresspay TransactionFalseCard present
, position 6
= X

IsExpressPayTransaction_A

A Transactions qualifies under the No Signature/No PIN Program but the POS device is PIN capable and enabled.FalseProgram Indicator Code = NS or 11
and 
AND
Cardmember Authentication
Capabiity
Capability Code
, position 2
=1
Is a
IsNoSigPinAtPinTerm_A
A Merchant-Presented Quick Response (MPQR) Transactions.False

Card present

, position 6 Is a

= 8

Card Data Input Mode, position 7 != 5 or
Card Data Input Mode, position 7 = 5 and Cardmember Authentication, position 8 != 1

AND

Card Capture Capability Code = 7

IsMPQRTransaction_A

A transactions to fund a Stored Value Digital Facility (SVDF).FalseMCC = 6540

The Card is identified by AEGNS as chip or chip/PIN capable.

  • The ICC Chip/PIN Indicator indicates that a chip Transaction was not performed or
  • The ICC chip/PIN indicator  indicates that a chip Transaction was performed but the PIN was not used due to the Terminal not being capable or the PIN pad was not working.

True

IsChipCard =TRUE

IsSDVFTransaction_A

Related Questionnaires

Fraud Questionnaire

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