ChargeBackInitiationV02

cain.027.001.02

The ChargeBackInitiation message is sent by an issuer or agent to an acquirer to fully or partially nullify a previous financial transaction; namely when the issuer determines that a customer dispute exists or that an error or violation of rules has been committed. It is also used to nullify a previous chargeback. Chargebacks have a financial impact and should be computed within reconciliation totals.

Message Construction

Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification

classDiagram
     direction LR
%% ChargeBackInitiationV02 recursion level 0 with max 0
ChargeBackInitiationV02 *-- "1..1" Header61 : Header
ChargeBackInitiationV02 *-- "1..1" ChargeBackInitiation2 : Body
ChargeBackInitiationV02 *-- "0..1" ContentInformationType20 : SecurityTrailer
  

Now, we will zero-in one-by-one on each of these building blocks.

Header building block

Information related to the protocol management. Set of characteristics related to the protocol.

For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% Header61 recursion level 0 with max 1
class Header61{
    MessageFunction MessageFunction20Code
    ProtocolVersion IsoMax2048Text
    ExchangeIdentification IsoMax35Text
    ReTransmissionCounter IsoMax3NumericText
    CreationDateTime IsoISODateTime
}
Header61 *-- "0..1" BatchManagementInformation1 : BatchManagementInformation
Header61 *-- "1..1" GenericIdentification183 : InitiatingParty
Header61 *-- "0..1" GenericIdentification183 : RecipientParty
Header61 *-- "0..0" AdditionalData1 : TraceData
Header61 *-- "0..0" Traceability9 : Traceability
%% BatchManagementInformation1 recursion level 1 with max 1
class BatchManagementInformation1{
    CollectionIdentification IsoMax35Text
    BatchIdentification IsoMax35Text
    MessageSequenceNumber IsoMax15NumericText
    MessageChecksumInputValue IsoMax140Binary
}
%% GenericIdentification183 recursion level 1 with max 1
class GenericIdentification183{
    Identification IsoMax35Text
    Type PartyType17Code
    OtherType IsoMax35Text
    Assigner PartyType18Code
    Country ISOMax3ACountryCode
    ShortName IsoMax35Text
}
%% GenericIdentification183 recursion level 1 with max 1
class GenericIdentification183{
    Identification IsoMax35Text
    Type PartyType17Code
    OtherType IsoMax35Text
    Assigner PartyType18Code
    Country ISOMax3ACountryCode
    ShortName IsoMax35Text
}
%% AdditionalData1 recursion level 1 with max 1
class AdditionalData1{
    Type IsoMax35Text
    Value IsoMax2048Text
}
%% Traceability9 recursion level 1 with max 1
class Traceability9{
    TraceDateTimeIn IsoISODateTime
    TraceDateTimeOut IsoISODateTime
}
Traceability9 *-- "1..1" GenericIdentification183 : RelayIdentification
  

Header61 members

Member name Description Data Type / Multiplicity
MessageFunction Identifies the type of process related to the message. MessageFunction20Code - Required 1..1
ProtocolVersion Version of the acquirer to issuer protocol specifications. IsoMax2048Text - Required 1..1
ExchangeIdentification Unique identification of an exchange of messages between two parties. IsoMax35Text - Optional 0..1
ReTransmissionCounter Number of retransmission of the message. Incremented by one for each retransmission. IsoMax3NumericText - Optional 0..1
CreationDateTime Date and time at which the message was sent. IsoISODateTime - Required 1..1
BatchManagementInformation Information related to the batch and the collection to which the message belongs if any. BatchManagementInformation1 - Optional 0..1
InitiatingParty Unique identification of the partner that has initiated the exchange. GenericIdentification183 - Required 1..1
RecipientParty Unique identification of the partner that is the recipient of the message exchange. GenericIdentification183 - Optional 0..1
TraceData Information sent in the request message to be returned in the response one, for instance to help in the retrieval of the context of the exchange. AdditionalData1 - Unknown 0..0
Traceability Identification of partners involved in exchange from the merchant to the issuer, with the relative timestamp of their exchanges. Traceability9 - Unknown 0..0

Body building block

Information related to the initiation of a chargeback. ISO 8583:93/2003 bit 25. Information related to the chargeback initiation transaction. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% ChargeBackInitiation2 recursion level 0 with max 1
ChargeBackInitiation2 *-- "1..1" Environment21 : Environment
ChargeBackInitiation2 *-- "0..1" Context14 : Context
ChargeBackInitiation2 *-- "1..1" Transaction154 : Transaction
ChargeBackInitiation2 *-- "1..1" OriginalTransaction2 : OriginalTransaction
ChargeBackInitiation2 *-- "0..1" ProcessingResult21 : ProcessingResult
ChargeBackInitiation2 *-- "0..0" ProtectedData1 : ProtectedData
ChargeBackInitiation2 *-- "0..0" SupplementaryData1 : SupplementaryData
%% Environment21 recursion level 1 with max 1
Environment21 *-- "1..1" PartyIdentification263 : Acquirer
Environment21 *-- "0..1" PartyIdentification263 : Originator
Environment21 *-- "0..1" PartyIdentification263 : Sender
Environment21 *-- "0..1" PartyIdentification263 : Receiver
Environment21 *-- "0..1" PartyIdentification255 : Acceptor
Environment21 *-- "0..1" PartyIdentification263 : Destination
Environment21 *-- "0..1" PartyIdentification257 : Payer
Environment21 *-- "0..1" PartyIdentification257 : Payee
Environment21 *-- "0..1" Terminal6 : Terminal
Environment21 *-- "0..1" PartyIdentification263 : Issuer
Environment21 *-- "1..1" CardData10 : Card
Environment21 *-- "0..1" Wallet2 : Wallet
Environment21 *-- "0..1" Token2 : Token
%% Context14 recursion level 1 with max 1
Context14 *-- "0..1" PointOfServiceContext5 : PointOfServiceContext
Context14 *-- "0..1" TransactionContext9 : TransactionContext
%% Transaction154 recursion level 1 with max 1
class Transaction154{
    MessageReason ISO8583MessageReasonCode
    AlternateMessageReason IsoMax256Text
}
Transaction154 *-- "1..1" TransactionIdentification17 : TransactionIdentification
Transaction154 *-- "1..1" TransactionAmounts2 : TransactionAmounts
Transaction154 *-- "1..1" DisputeData3 : DisputeData
Transaction154 *-- "0..0" AdditionalFee2 : AdditionalFee
Transaction154 *-- "0..1" AdditionalInformation20 : AdditionalInformation
Transaction154 *-- "0..0" AdditionalData1 : AdditionalData
%% OriginalTransaction2 recursion level 1 with max 1
OriginalTransaction2 *-- "0..1" Environment20 : Environment
OriginalTransaction2 *-- "0..1" Context12 : Context
OriginalTransaction2 *-- "0..1" Transaction147 : Transaction
OriginalTransaction2 *-- "0..1" ProcessingResult10 : ProcessingResult
%% ProcessingResult21 recursion level 1 with max 1
ProcessingResult21 *-- "0..1" ResultData7 : ResultData
ProcessingResult21 *-- "0..0" AdditionalInformation29 : AdditionalInformation
%% ProtectedData1 recursion level 1 with max 1
class ProtectedData1{
    ContentType ContentType3Code
}
ProtectedData1 *-- "0..1" EnvelopedData6 : EnvelopedData
ProtectedData1 *-- "0..1" EncryptedData1 : EncryptedData
%% SupplementaryData1 recursion level 1 with max 1
class SupplementaryData1{
    PlaceAndName IsoMax350Text
}
SupplementaryData1 *-- "1..1" IsoSupplementaryDataEnvelope1 : Envelope
  

ChargeBackInitiation2 members

Member name Description Data Type / Multiplicity
Environment Environment of the chargeback. Environment21 - Required 1..1
Context Context of the chargeback transaction. Context14 - Optional 0..1
Transaction Chargeback transaction details. Transaction154 - Required 1..1
OriginalTransaction Contains details of the transaction to be retrieved. OriginalTransaction2 - Required 1..1
ProcessingResult Result of the chargeback verification provided in the chargeback status. ProcessingResult21 - Optional 0..1
ProtectedData Contains protected data and the attributes used to protect the data. ProtectedData1 - Unknown 0..0
SupplementaryData Additional information that can not be captured in the structured fields and/or other specific block. SupplementaryData1 - Unknown 0..0

SecurityTrailer building block

Trailer of the message containing a MAC. It corresponds partially to ISO 8583 field number 53, completed by the field number 64 or 128. General cryptographic message syntax (CMS) containing encrypted data. For comparison, see the ISO20022 official specification

classDiagram
   direction tb
%% ContentInformationType20 recursion level 0 with max 1
class ContentInformationType20{
    MAC IsoMax8HexBinaryText
}
ContentInformationType20 *-- "1..1" MACData1 : MACData
%% MACData1 recursion level 1 with max 1
class MACData1{
    Control IsoExact1HexBinaryText
    KeySetIdentifier IsoMax8NumericText
    DerivedInformation IsoMax32HexBinaryText
    Algorithm IsoMax2NumericText
    KeyLength IsoMax4NumericText
    KeyProtection IsoMax2NumericText
    KeyIndex IsoMax5NumericText
    PaddingMethod IsoMax2NumericText
    InitialisationVector IsoMax32HexBinaryText
}
  

ContentInformationType20 members

Member name Description Data Type / Multiplicity
MACData Type of data protection. ISO 8583:87 bit 53 or 110 ISO 8583:93 bit 53 or 111 ISO 8583:2003 bit 53 or 50 MACData1 - Required 1..1
MAC Message Authentication Code data. Binary, length of 8 ISO 8583 bit 64 or bit 128 IsoMax8HexBinaryText - Required 1..1

Extensibility and generalization considerations

To facilitate generalized design patterns in the system, the ChargeBackInitiationV02 implementation follows a specific implementaiton pattern. First of all, ChargeBackInitiationV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, ChargeBackInitiationV02Document implements IOuterDocument. Because ChargeBackInitiationV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type ChargeBackInitiationV02.

classDiagram
    class IOuterRecord
    ChargeBackInitiationV02 --|> IOuterRecord : Implements
    ChargeBackInitiationV02Document --|> IOuterDocument~ChargeBackInitiationV02~ : Implements
    class IOuterDocument~ChargeBackInitiationV02~ {
        ChargeBackInitiationV02 Message
     }
  

Document wrapper for serialization

The only real purpose ChargeBackInitiationV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:cain.027.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using ChargeBackInitiationV02.ToDocument() method. The returned ChargeBackInitiationV02Document value will serialize correctly according to ISO 20022 standards.

classDiagram
    ChargeBackInitiationV02Document *-- ChargeBackInitiationV02 : Document
  

Sample of message format

This is an abbreviated version of what the message should look like.

<Document xmlns="urn:iso:std:iso:20022:tech:xsd:cain.027.001.02">
    <ChrgBckInitn>
        <Hdr>
            <!-- Header inner content -->
        </Hdr>
        <Body>
            <!-- Body inner content -->
        </Body>
        <SctyTrlr>
            <!-- SecurityTrailer inner content -->
        </SctyTrlr>
    </ChrgBckInitn>
</Document>

Data from ISO specification

This is the technical data from the specification document.

<messageDefinition
  xmi:id="_52D7IYHSEeuwq_rv81SdXw"
  previousVersion="_1HbrRFZdEeen1vB4iz5SyA"
  name="ChargeBackInitiationV02"
  definition="The ChargeBackInitiation message is sent by an issuer or agent to an acquirer to fully or partially nullify a previous financial transaction; namely when the issuer determines that a customer dispute exists or that an error or violation of rules has been committed. It is also used to nullify a previous chargeback. Chargebacks have a financial impact and should be computed within reconciliation totals."
  registrationStatus="Registered"
  messageSet="_kT2-dARsEeWTJNHF-ohSqw"
  xmlTag="ChrgBckInitn"
  rootElement="Document"
  xmlns:xmi="http://www.omg.org/XMI">
  <messageBuildingBlock
    xmi:id="_52D7I4HSEeuwq_rv81SdXw"
    previousVersion="_1HbrRlZdEeen1vB4iz5SyA"
    name="Header"
    definition="Information related to the protocol management."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="1"
    xmlTag="Hdr"
    complexType="__I8TwRvSEey2RdTw-AkXzg" />
  <messageBuildingBlock
    xmi:id="_52D7JYHSEeuwq_rv81SdXw"
    previousVersion="_1HbrR1ZdEeen1vB4iz5SyA"
    name="Body"
    definition="Information related to the initiation of a chargeback.&#xD;&#xA;ISO 8583:93/2003 bit 25."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="1"
    xmlTag="Body"
    complexType="__Ot3UYHREeuwq_rv81SdXw" />
  <messageBuildingBlock
    xmi:id="_52D7J4HSEeuwq_rv81SdXw"
    previousVersion="_1HbrRVZdEeen1vB4iz5SyA"
    name="SecurityTrailer"
    definition="Trailer of the message containing a MAC.&#xD;&#xA;It corresponds partially to ISO 8583 field number 53, completed by the field number 64 or 128."
    registrationStatus="Provisionally Registered"
    maxOccurs="1"
    minOccurs="0"
    xmlTag="SctyTrlr"
    complexType="_fP-osaQuEeeWXKXf3KjtmQ" />
  <messageDefinitionIdentifier
    businessArea="cain"
    messageFunctionality="027"
    flavour="001"
    version="02" />
</messageDefinition>

ISO Building Blocks

The following items are used as building blocks to construct this message.