Card-Present Transaction Flow

The diagram below depicts an Agent Cash-out transaction flow on Zone

Agent Cash-out transaction flow

1. Cardholder initiates a cash-out transaction from the Client (Agent) POS terminal.
2. POS sends the transaction to the Client Terminal Manager
3. The terminal manager re-encrypts the transaction message and forwards it to the ZoneSwitch Transaction manager for a direct acquirer to issuer authorization.
4. Transaction Manager processes transaction
   1. Transaction manager completes a PIN translation request with the HSM, re-encrypting the PIN block with exchanged ZMK of the issuer bank.
   2. Transaction manager wraps the ISO message and sends the transaction to the acquirer bank’s blockchain node to sign and route to the issuer bank.
5. The blockchain node sends the transaction into the network to the issuer bank’s blockchain node.
6. Issuer Bank’s blockchain node verifies the signed transaction, unwraps and forwards to the (ISO 8583) Transaction manager.
7. The Transaction manager extracts the ISO message and forwards it to the Zone Switch interchange on the FEP.
8. FEP authorizes the card and calls the CBA to debit the customer account and credit the ZONE TSS Payable.
9. All systems return the appropriate success responses.
10. Acquirer blockchain verifies the transaction response signature, commits the transaction to the ledger, and forwards the successfully committed transaction response to the ledger.
11. Zone transaction manager debits the ZONE TSS Receivable and credits the Agent account in near real-time. A queue manages this always to guarantee finality. (This step illustrates the functionality for real-time Agent settlement)
12. The transaction manager propagates the successful transaction response to the POS terminal