A debit cardholder uses a mobile wallet's peer-to-peer function to send $300 to a friend, who does not accept the funds. The wallet provider refunds the $300 to the cardholder. The following are true:
The initial available balance is $1000.
The wallet provider has already validated the debit card.
The network is Mastercard Banknet.
Sequence of events
Events in the same step have the same timestamp.
Mastercard sends an authorization request for –300.00.
Galileo approves the request and places a 300.00 hold on the account. The available balance is now 700.00. Galileo sends a BAUT: auth event message.
Mastercard sends a batch file with the –300.00 transaction.
Galileo backs out the 300.00 hold and posts –300.00 to the account. The available balance is still 700.00. Galileo sends a SETL: setl event message.
Mastercard sends a clearing file with the 300.00 credit.
Galileo credits 300.00 to the account. The available balance is now 1000.00. Galileo sends a BADJ: adj event message.
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_type
transaction_type
trans_amount
auth_id
original_id
available_funds
timestamp
Auth
Auth
300.00
2200
0
1000
20210412:054330MST
Authorization/Settlement Events
msg_id
type
amount
auth_id
source_id
original_auth_id
open_to_buy
timestamp
BAUT
auth
300
2200
2200
0
700
2021-04-12 05:43:30 MST
SETL
setl
300
2200
2200
0
700
2021-04-13 09:45:32 MST
BADJ
adj
300
5511
0
1000
2021-04-14 09:06:14 MST
Authorized Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE
REVERSAL ID
TRANSACTION DATE/TIME
300.00-
2200
5
0
2021-04-12 05:43:30
Posted Transactions RDF
TRANSACTION AMOUNT
AUTHORIZATION CODE
TRANSACTION CODE/TYPE
SOURCE ID
TRANSACTION DATE/TIME
POST DATE
300.00-
2200
SE8
2200
2021-04-12 05:43:30
2021-04-13 09:45:32
300.00+
5511
ADC
5511
2021-04-14 09:06:14
2021-04-14 09:06:14
Get Authorization History response
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
-300
2200
0
A
000000030000
2021-04-12 05:43:30
Get Transaction History response
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
-300
2200
0
SE8
2021-04-12 05:43:30
2021-04-13 09:45:32
300
5511
0
ADC
2021-04-14 09:06:14
2021-04-14 09:06:14
Get All Transaction History response
This endpoint returns the same transactions as the All Transactions screen of the CST.
