Credit 2.4 Payment

Field NameTypeSizeField Format/Description

acctBalanceBeforePayment

Numeric

13

Deprecated.

Format: (-)nnnnnnnnn.nn

Account balance before this transaction. Amount is expressed in currency unit specified in transactionCurrencyCode.

acctExpireDate

Date

8

Deprecated.

Format: yyyymmdd

Expiration date from cardholder file.

cardAssociation

Text

1

Deprecated.

Credit card association under which the card was issued:

  • A = AMEX
  • D = Discover
  • J = JCB
  • M = MasterCard
  • N = Diners Club
  • O = Other
  • V = Visa

cardCashBalance

Numeric

13

Deprecated.

Format: (-)nnnnnnnnn.nn

Cash balance on the last statement. Amount is expressed in currency unit specified in transactionCurrencyCode.

cardCountryCode

Text

3

Deprecated.

Cardholder ISO numeric country code.

cardCyclesDelinquent

Numeric

1

Deprecated.

Delinquency status as of the last cycle. The value indicates the number of cycles of delinquency (0-9).

cardDelinquentAmount

Numeric

13

Deprecated.

Format: nnnnnnnnnn.nn

Total delinquent amount as of last cycle. Amount is expressed in currency unit specified in transactionCurrencyCode.

cardIncentive

Text

1

Deprecated.

Incentive program associated with the card, if any:

  • A = Auto discount
  • C = Cash back (for example, rebate program)
  • F = Frequent-flier miles
  • G = Gas discount
  • H = Charity contribution
  • I = Internet discount
  • L = Telephone discount
  • M = Merchandise rebate
  • O = Other
  • R = General purpose points/rewards
  • Blank = None

cardMasterAcctNumber

Text

19

Deprecated.

Primary number for the account, such as DDA or Customer ID.

cardMediaType

Text

1

Deprecated.

Card medium carrying the information:

  • C = Chip card
  • D = Contactless-capable chip card
  • M = Magnetic-stripe card
  • N = Contactless capable magnetic-stripe card
  • V = Virtual card (no physical card exists)
  • W = Contactless-only card
  • Blank = Unknown/not provided.

cardMerchandiseBalance

Numeric

13

Deprecated.

Format: (-)nnnnnnnnn.nn

Merchandise balance as of last statement. Amount is expressed in currency unit specified in transactionCurrencyCode.

cardPaymentHistory

Text

12

Deprecated.

History of payment activity for previous 12 cycles (one byte for each cycle).

The most recent cycle status is stored in the first byte. The second most recent cycle status is stored in the second byte and so on. Flag values are as follows:

No postings (neither credit nor debit):

  • Z = No statement generated for the account due to zero balance and no activity.
  • % = Not delinquent, with credit balance
  • 0 = Not delinquent, other cases
  • 1 = 1 cycle delinquent
  • 2 = 2 cycles delinquent
  • 3 = 3 cycles delinquent
  • 4 = 4 cycles delinquent
  • 5 = 5 cycles delinquent
  • 6 = 6 cycles delinquent
  • 7 = 7 cycles delinquent

Debit postings only during the cycle. Account is:

  • + = Not delinquent, with credit balance
  • A = Not delinquent, other cases
  • B = 1 cycle delinquent
  • C = 2 cycles delinquent
  • D = 3 cycles delinquent
  • E = 4 cycles delinquent
  • F = 5 cycles delinquent
  • G = 6 cycles delinquent
  • H = 7 cycles delinquent

Credit postings only during the cycle. Account is:

  • (hyphen) - = Not delinquent, with credit balance
  • I = Not delinquent, other cases
  • J = 1 cycle delinquent
  • K = 2 cycles delinquent
  • L = 3 cycles delinquent
  • M = 4 cycles delinquent
  • N = 5 cycles delinquent
  • O = 6 cycles delinquent
  • P = 7 cycles delinquent

Both debit and credit postings during the cycle. Account is:

  • # = Not delinquent, with credit balance
  • Q = Not delinquent, other cases
  • R = 1 cycle delinquent
  • S = 2 cycles delinquent
  • T = 3 cycles delinquent
  • U = 4 cycles delinquent
  • V = 5 cycles delinquent
  • W = 6 cycles delinquent
  • X = 7 cycles delinquent

Note: Debit activity indicates sale, cash advance, and payment-reversal postings; credit postings indicate payment and return postings.

Blank for new account.

cardPostalCode

Text

9

Deprecated.

Cardholder ZIP or postal code.

cardStatus

Text

2

Deprecated.

Current card status:

  • NS = Non-statused open account
  • D1 = 30 days past due
  • D2 = 60 days past due
  • D3 = 90 days past due
  • D4 = 120 days past due
  • D5 = 150 days past due
  • D6 = 180 days past due
  • OV = Over limit
  • CB = Closed, bankruptcy
  • CR = Closed, cardholder request
  • CC = Closed, charge-off
  • CI = Closed, Inactive
  • CF = Closed, fraud
  • CO = Closed, other
  • SO = Statused, other (for example, blocked)

cardStatusDate

Date

8

Deprecated.

Format: yyyymmdd

Effective date of current status.

cardType

Text

1

Deprecated.

Card type. Valid values are as follows:

  • C = Secured
  • G = Gold
  • I = Incentive (predominates over other card types. For example, an incentive platinum card is labeled as an incentive card.)
  • N = No-limit card
  • O = Other
  • P = Platinum
  • S = Standard
  • Blank = Unknown

cardUse

Text

1

Deprecated.

Card use. Valid values are as follows:

  • B = Business (small)
  • C = Business (corporate travel and entertainment)
  • G = Government
  • O = Other
  • P = Personal
  • R = Brokerage
  • S = Business (purchasing)
  • Blank = Unknown

cardholderDataProvided

Text

1

Deprecated.

Specifies whether the cardholder data fields in this record have been populated by the Scoring Server Client Application or not. Must be set to agree with the action code (online) or semaphore (batch) semantics used to process the record as the functionality is controlled by the action-code/semaphore semantics, not the value specified here:

  • Y = Yes. Used for action-codes/semaphores configured not to populate the cardholder data fields before model execution.
  • N = No. Used for action-codes/semaphores configured to populate the cardholder data fields before model execution. The cardholder data is retrieved from the Scoring Server's cardholder flat-file database; the record is identified by the pan field.

caseCreationIndicator

Text

1

Case creation indicator:

  • Blank = Do not force case creation.
  • Any other value = Create case.

caseSuppressionIndicator

Text

1

Case suppression indicator. Valid values:

  • Blank = Do not prevent case creation.
  • Any other value = Prevent case creation.

clientId

Text

14

Deprecated.

Reserved.

clientIdFromHeader

Text

16

Unique identifier for the client or subclient. The value of this field is determined jointly by the client and FICO.

creditLine

Numeric

10

Deprecated.

Format: nnnnnnnnnn

Credit line applied to this transaction, expressed in full units of the currency. This value may change based on the type of transaction if the financial institution uses different limits for cash and merchandise transactions. Amount is expressed in currency unit specified in transactionCurrencyCode.

customerAcctNumber

Text

40

Unique identifier for the account associated with the transaction/record.

customerGender

Text

1

Deprecated.

Gender of the Customer:

  • M= Male
  • F = Female
  • J = Joint Acct (owned by both male and female account holders)
  • U = Unknown

customerIdFromHeader

Text

20

Primary Customer Identifier. Financial institution's unique identifier for the primary customer for the account.

dataSpecificationVersion

Text

5

2.4

externalScore1

Numeric

4

External score for use by another process.

externalScore2

Numeric

4

External score for use by another process.

externalScore3

Numeric

4

External score for use by another process.

externalTransactionId

Text

32

Client-generated unique transaction ID that is unique across all data feeds for a specific installation of Falcon Fraud Manager.

gmtOffset

Numeric

6

Specifies the Greenwich Mean Time (GMT) offset associated with all date-time fields in the record body (positions 161 onward). Format is (-)nn.nn, where the digits to the right of the decimal point represent decimal fractions of an hour. For example, a GMT offset of 5 hours and 45 minutes (Nepal) is expressed as 5.75. Note that gmtOffset changes during Daylight Saving Time if Daylight Saving Time is observed in the date-time fields in the record body.

minimumDue

Numeric

10

Deprecated.

Format: nnnnnnn.nn

Minimum due (amount to make the account current).

Amount is expressed in currency unit specified in transactionCurrencyCode.

modelControl1

Text

1

This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.

modelControl2

Text

1

This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.

modelControl3

Text

1

This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.

modelControl4

Text

1

This field is used to control Falcon and Fraud Predictor model-specific features. See the model report for information on supported functionality.

newAcctBalance

Numeric

10

Deprecated.

Format: (-)nnnnnnnnn

Account balance after this transaction, expressed in full units of the currency. Amount is expressed in currency unit specified in transactionCurrencyCode.

numberCyclesDelinquent

Numeric

1

Deprecated.

Number of cycles delinquent. Value of 0-9.

numberDaysDelinquent

Numeric

3

Deprecated.

Number of days delinquent.

numberOfCards

Numeric

3

Deprecated.

Number of currently activated cards for this PAN.

openDate

Date

8

Deprecated.

Format: yyyymmdd

Date account was opened.

pan

Text

19

Primary Account Number (PAN) of the payment instrument. This is the number encoded or embossed on the payment instrument.

paymentDueDate

Date

8

Deprecated.

Format: yyyymmdd

Payment due date.

paymentMethod

Text

1

Payment method:

  • A = ATM
  • B = Phone self-payment/self-transfer
  • C = Computer self-payment/self-transfer
  • D = Drop box
  • O = Other
  • P = Postal (mail)
  • R = Automatic account transfer
  • T = Teller window/cashier
  • Blank = Unknown

paymentRecord

Text

1

Payment record indicator.

paymentReversalIndicator

Text

1

Payment reversal indicator:

  • D = Derogatory reversal (due to a bounced check, and so on. )
  • N = Nonderogatory reversal (due to accounting errors, and so on.)
  • Q = Payment

paymentType

Text

1

Payment type:

  • C = Check
  • E = Electronic Funds Transfer
  • I = Internal transfer
  • O = Other
  • W = Cash
  • Blank = Unknown

Deprecated values:

  • B = Balance-transfer check
  • K = Convenience check
  • X = Early payment

plasticIssueDate

Date

8

Deprecated.

Format: yyyymmdd

Date of last plastic issue.

plasticIssueType

Text

1

Deprecated.

Plastic issue type:

  • F = Force emboss (plastic reissued due to customer request, replacement for lost/stolen, emergency plastic, option change)
  • I = Initial issue (first plastic issued on the account)
  • R = Normal reissue
  • S = Special reissue (due to an issuer's special project)
  • T = Token or virtual card issue
  • Blank = Unknown/other

portfolio

Text

14

Name of the "portfolio" (segment of the account base) to which this account belongs.

randomDigits

Text

2

Random digits used to define random selections of cardholders for the testing of rules and models.

recordCreationDate

Date

8

Format: yyyymmdd

Date that this record was created. Time zone must be GMT.

recordCreationMilliseconds

Numeric

3

Format: sss

Milliseconds portion of the time that this record was created.

recordCreationTime

Date

6

Format: hhmmss

Time that this record was created. Time zone must be GMT.

recordType

Text

8

CRPMNT24

reversedPaymentDate

Date

8

Format: yyyymmdd

Transaction date for reversed payment.

reversedPaymentDate_deprecated

Date

8

Deprecated.

Format: yyyymmdd

Transaction date for reversed payment.

reversedPaymentTime

Date

6

Format: hhmmss

Transaction time for reversed payment.

statementDate

Date

8

Deprecated.

Format: yyyymmdd

Last statement date.

transactionAmount

Numeric

13

Format: nnnnnnnnnn.nn

Payment or reversal amount; always a positive number, regardless of entry in paymentReversalIndicator field. Amount is expressed in currency unit specified in transactionCurrencyCode.

transactionCurrencyCode

Text

3

ISO numeric currency code. This is the currency unit used for all currency-based fields.

transactionCurrencyConversionRate

Numeric

13

Format: nnnnnn.nnnnnn

The multiplicative currency conversion rate that is used to convert the currency specified in transactionCurrencyCode to US dollars. The number of US dollars in the currency specified in transactionCurrencyCode.

transactionDate

Date

8

Format: yyyymmdd

Date of transaction. Time zone is specified by gmtOffset.

transactionTime

Date

6

Format: hhmmss

Time of transaction. Time zone is specified by gmtOffset.

userData01

Text

10

User-defined information. Editable in Falcon Expert rules.

userData02

Text

10

User-defined information. Editable in Falcon Expert rules.

userData03

Text

15

User-defined information. Editable in Falcon Expert rules.

userData04

Text

20

User-defined information. Editable in Falcon Expert rules.

userData05

Text

40

User-defined information. Editable in Falcon Expert rules.

userData06

Text

13

User-defined information. Editable in Falcon Expert rules.

userData07

Text

40

User-defined information. Editable in Falcon Expert rules.

userData08

Text

10

User-defined information. Editable in Falcon Expert rules.

userData09

Text

10

User-defined information. Editable in Falcon Expert rules.

userIndicator01

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator02

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator03

Text

5

User-defined information. Editable in Falcon Expert rules.

userIndicator04

Text

5

User-defined information. Editable in Falcon Expert rules.

userIndicator05

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator06

Text

1

User-defined information. Editable in Falcon Expert rules.

userIndicator07

Text

5

User-defined information. Editable in Falcon Expert rules.

userIndicator08

Text

5

User-defined information. Editable in Falcon Expert rules.

workflow

Text

16

Contains the name of the workflow to be executed by Falcon Fraud Manager.
Credit 2.4 Payment Field Descriptions

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