Scenario 12: ATM Reversal

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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.

Sequence of events

Events in the same step have the same timestamp.

  1. Allpoint sends two authorization requests for –100.00 each.
  2. Galileo approves the requests and places two –100.00 holds on the account. The available balance is now 800.00. Galileo sends two BAUT: auth webhooks.
  3. Allpoint sends a reversal for 100.00.
  4. Galileo posts 100.00 to the account. The available balance is now 900.00. Galileo sends an AAAU: auth webhook.
  5. Allpoint sends a batch file that contains both –100.00 withdrawals plus the 100.00 reversal.
  6. Galileo 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. Galileo sends three SETL: setl webhooks.

Transactions

These tables show how the transactions are represented by various Galileo systems. For an explanation of the trans_code field, see Classifying transactions in the About Transactions guide.

Auth API

auth_typetransaction_typetrans_amountauth_idoriginal_idavailable_fundstimestamp
AuthATM100.0055220100020210414:132615MST
AuthATM100.007777090020210414:132619MST
ReversalATM100.009966777780020210414:132659MST

Authorization/Settlement Events webhooks

msg_idtypeamountauth_idoriginal_auth_idopen_to_buytimestamp
BAUTauth100552209002021-04-14 13:26:15 MST
BAUTauth100777708002021-04-14 13:26:19 MST
AAAUauth100996677779002021-04-14 13:26:59 MST
SETLsetl100552209002021-04-15 07:08:28 MST
SETLsetl100777708002021-04-15 07:08:28 MST
SETLsetl100996677779002021-04-15 07:08:29 MST

Authorized Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODEREVERSAL IDTRANSACTION DATE/TIME
100.00-552219002021-04-14 13:26:15
100.00-7777902021-04-14 13:26:19
100.00+9966977772021-04-14 13:26:59

Posted Transactions RDF

TRANSACTION AMOUNTAUTHORIZATION CODETRANSACTION CODE/TYPESOURCE IDTRANSACTION DATE/TIMEPOST DATE
100.00-5522ASW55222021-04-14 13:26:152021-04-15 07:08:28
100.00-7777ASW77772021-04-14 13:26:192021-04-15 07:08:28
100.00+9966ASR99662021-04-14 13:26:592021-04-15 07:08:29

Get Authorization History response

This endpoint returns only transactions that have not settled or expired. These transactions are also returned by Get Account Overview.

amtauth_idoriginal_auth_idtypelocal_amttimestamp
-10055220W0000000100002021-04-14 13:26:15
-10077770W0000000100002021-04-14 13:26:19
10099660R0000000100002021-04-14 13:26:59

Get Transaction History response

This endpoint returns only settled transactions. These transactions are also returned by Get Account Overview.

amtsource_idoriginal_auth_idtrans_codeauth_tspost_ts
-10055220APW2021-04-14 13:26:152021-04-15 07:08:28
-10077770APW2021-04-14 13:26:192021-04-15 07:08:28
10099660APR2021-04-14 13:26:592021-04-15 07:08:29

Get All Transaction History response

This endpoint returns the same transactions as the All Transactions screen of the CST.

amtauth_idprior_idtrans_codesource_idcalculated_balancecredit_indauth_tspost_ts
-10055220APW5522900N2021-04-14 13:26:152021-04-14 13:26:15
-10077770APW7777800N2021-04-14 13:26:192021-04-14 13:26:19
10099667777APR9966900N2021-04-14 13:26:592021-04-14 13:26:59
100NoneNoneABW55221000NoneNone2021-04-15 07:08:28
100NoneNoneABW77771100NoneNone2021-04-15 07:08:28
-10055220ASW55221000N2021-04-14 13:26:152021-04-15 07:08:28
-10077770ASW7777900N2021-04-14 13:26:152021-04-15 07:08:28
-100NoneNoneABR9966800NoneNone2021-04-15 07:08:29
10099667777ASR9966900N2021-04-14 13:26:192021-04-15 07:08:29