Credit Card Processing
Overview
The POSey system may be set up to do Credit Card Authorization from the
Register.__This is an optional feature available at extra cost.
When Credit Card Authorization is installed, tendering to a Credit Card key
(Function Code 26) will cause the Register to prompt for the card to be
inserted through the magcard reader.__The card number, expiration date, and
other information, will be read from the credit card and transmitted by
modem to the credit card processor.__If the purchase is authorized, the sale
will be tendered.__If it is declined, you must select another media to
tender the sale.__At the end of the business day, a settlement of
all authorized transactions must be done with the processor in order for
funds to be transferred to your bank account.
It is important to note that two distinct functions are performed by this
package.__The first is credit card authorization, which is done each time a
credit card is used to tender a transaction.__If the card is accepted the
transaction will be added to a settlement file.__If rejected, the system
will not allow the transaction to be tendered with that card.
The second function is settlement.__This function can be performed at any
time, but is normally done at the end of the day after all registers have
been closed.__A report of the current settlement file should first be
printed.__The file is then transmitted to the processor, which will transfer
the appropriate funds between the credit card companies and the merchants
bank account.
POSey Credit Card Authorization is done using a software package published
by Smoky Mountain Technologies.__The interface between the Smoky Mountain
programs and the POSey Cash Register is perfectly integrated so that no
additional actions or key input is required.
Configuration & Setup
A considerable amount of advance preparation is required before Credit Card
Authorization may be put into operation.__The following sections outline those
requirements.
Hardware Required
Credit Card Authorization requires a magcard reader at each Register where
credit cards will be authorized (referred to as an "Authorization
Register").__The reader should be capable of reading tracks 1 and 2 from
magstripe cards.__A keyboard wedge type of reader will provide the most
flexibility and the easiest installation.
A modem must be connected to one of the computers in the Cash Register
network.__This machine will be referred to as the "Authorization Server",
since it is the computer which will serve all requests for authorizations
from the network.__This need not be the same machine as the file server
computer.
An external modem is recommended since it is easier to check the progress of
a request using the status indicators, and it is easier to replace if the
modem should eventually fail.
One computer may be used as both the Authorization Server, and as an
Authorization Register.__In fact, in stand-alone systems with only one
machine, this must be the case.
Each Authorization Register must have credit authorization enabled in its
POSey security block.__The READBLK program may be used to determine which
options are enabled on a security block.__This security block option is NOT
required for an Authorization Server IF that system is not also used as an
Authorization Register.
A dedicated telephone line should be installed and used for credit card
authorizations.__This line should be available at all times the Cash
Registers are being used.
Processor Arrangements
You must establish an account with a credit card processor in order for
authorizations to be done.__The processor is responsible for accepting or
rejecting credit card authorization requests transmitted by modem at the
time of sale.__The processor also does the electronic fund transfers to your
bank account after the transactions have been settled.
The Smoky Mountain Technologies software supports many different processors,
including VisaNet, First USA, NaBanco, NDC, etc.__Virtually all large
processors may be used.
The processor should provide you with a printed guide with all the required
information and authorization codes.__This information is used when entering
the Merchant and Processor setup information.
NOTE: If an installation requires guest checks with tip processing, the
merchant cannot use MAPP or FDR as a processor at this time.__See the
section, "Configuration & Setup, Magstripe Reader Configuration" for more
information about Credit Card tip processing.
Software Setup & Configuration
Credit Card Authorization Software Installation
You must install the POSey Credit Card Authorization programs and data files
from the installation disk.__This is done after the POSey Point-Of-Sale
software is installed.__The Credit Card Authorization software only needs to
be installed on the authorization server.__Each Register in the system that
will be doing authorizations must have a security block with Credit Card
Authorization enabled.
More than one system may be set up as an Authorization Server, but each
register can be configured to access only one server at any one time.__If
multiple servers are configured, a register may be switched by changing the
Credit Authorization path in Register Configuration.
The Credit Card software may be installed on any other system in the network
if you need to run the authorization configuration and/or report functions
from that system.__This is not normally done since these functions are
usually run only on the Authorization Server.
Loading the SMTAUTH Program
The authorization server must have the following line added to the
AUTOEXEC.BAT file (or optionally, the POSEY.BAT file);
____CALL C:\POSEY\CCAUTH
This command calls the CCAUTH.BAT file in the \POSEY directory.__This batch
file should contain the following commands;
____SET SMOKYMTN=C:\POSEY\FILES\
____C:\POSEY\SMTAUTH /D
The /D parameter allows the same card to be swiped twice in a row.
The SMOKYMTN variable is used by the credit authorization programs to locate
the data files (*.LHT) which are installed into the \POSEY\FILES directory
by default.
There is no additional setup requirement for other Registers in the network.
Just make sure that the path for "Credit Card" in Register Configuration, is
set to point to the drive and directory which contains the Credit Card
Authorization data files (files with .LHT extension).
Register Numbers
The standard package supports up to 9 registers.__The Authorization
Registers MUST each have a unique register number in the range 1 thru 9 (see
the section, "Configuration & Setup, Register Configuration"). Registers
with numbers outside this range will always get timeout errors when
attempting to do an authorization.__If two registers have the same number
then authorization conflicts may occur.
If you have a need to support more than 9 Authorization Registers, contact
JPC for an extended package which supports up to 31 registers. As above, the
Authorization Registers must have numbers in the range 1 thru 31.
DOS Share Program
The DOS SHARE program MUST be installed during bootup on ALL computers.
This is true even for a stand-alone register (one not hooked into a
network).__The following command line, or its equivalent, must be included
in each AUTOEXEC.BAT file:
____C:\DOS\SHARE /f:2048 /l:20
Credit card authorization will not function properly if SHARE is not loaded.
+--------------------------------------------------------------------------------+
|+------------------------------------------------------------------------------+|
|| 12/27/96____________________________________________________________14:37:47 ||
||_________________________Merchant Information Screen__________________________||
||------------------------------------------------------------------------------||
||______________________________________________________________________________||
||________________Store ID__0000________________________________________________||
||_____________________Name YOUR COMPANY NAME HERE______________________________||
||__________________Address YOUR COMPANY ADDRESS HERE___________________________||
||____________________City__YOUR COMPANY CITY HERE__________State ST Zip 12345__||
||____________________Type__Retail________Auth. Over Pct 0___Dial Prefix________||
||________________SIC-Code__0000_____Charge Desc. 000_______Purchase Card NO____||
||____PIN PAD Port__NONE__Type None_______AVSFlag No____________________________||
||__Signature Port__NONE__Type None_______Master Key____Return Password_________||
||______Terminal Serial #s__990000 DebitKey 0000000000000000____Cash Back NO____||
||___Surcharge Type None_________Amount/Pct 0000___Dial Type Tone_______________||
|| Modem COM1__Setup 1200,E,7,1__String AT S0=0 S9=1 Q0 V1 X4 S7=50 &C1 &D2_____||
|| Prntr NONE__Setup_____________String_________________________________________||
|| Check Entry None______________Reader type None_________Port NONE_____________||
|| Receipt Trailer_________________________________PrePrint Receipt Header NO___||
|| MC-1099_______Manual Ticket NO__# of Tickets 1_______________________________||
|| Report Printer NONE__String PT1______________________________________________||
|+------------------------------------------------------------------------------+|
|________________________________________________________________________________|
| F1 Help__Enter Accept__Tab Prev__F3 Save__Esc Write____________________________|
|________________________________________________________________________________|
+--------------------------------------------------------------------------------+
Merchant Setup
Most authorization configuration and reporting functions are included in the
Credit Authorization menu accessed via the POSey main menu.__The
configuration should be performed on the Authorization Server.
You should turn on the modem and use the command "SMTAUTH /C" to allow the
package to determine the proper modem initialization string.
The next step is to enter this information into the Merchant Information
screen.__The modem initialization string is part of the Merchant
information.__Unless you know that the processor accepts a higher baud rate
you must specify a baud rate of 1200.
Consult the separate manual provided with the Smoky Mountain Technologies
software for detailed information about the requirements for merchant setup.
You may also hit the F1 key for help information.
+--------------------------------------------------------------------------------+
|+------------------------------------------------------------------------------+|
|| 12/27/96____________________________________________________________14:37:47 ||
||_________________________Processor Information Screen_________________________||
||------------------------------------------------------------------------------||
||______________________________________________________________________________||
||___Processor___Z-dEmo APP_____________________________________________________||
||____________________________________________+-----Card Range Selection--------||
||____________________________________________|Card Number Card______________Flr||
||____________________________________________| LO____HI___Type__________Flg Lim||
||______PRESS TO SELECT PROCESSOR_______|40000 49999 Visa__________--- 1__||
||____________________________________________|50000 59999 MasterCard____--- 1__||
||____________________________________________|34000 34999 Amex__________--- 1__||
||____________________________________________|37000 37999 Amex__________--- 1__||
||____________________________________________|60000 69999 Discover______--- 1__||
||____________________________________________|____________None__________--- 1__||
||____________________________________________|____________None__________--- 1__||
||____________________________________________|____________None_________________||
||____________________________________________|____________None_________________||
||____________________________________________+---------------------------------||
||______________________________________________________________________________||
||______________________________________________________________________________||
|+--Record:__1------------------------------------------------------------------+|
|________________________________________________________________________________|
| F1 Help__Enter Accept__Tab Prev__F3 Save/Next__F4 Save/Prev__Esc Exit__________|
|________________________________________________________________________________|
+--------------------------------------------------------------------------------+
Processor Setup
When entering the processor information, the processor field must be set
first, since the layout of the screen is based on which data is required by
the selected processor.__There must be no trailing blanks in any of these
fields.__This can be checked by selecting each field and hitting the END
key.__If there are any blanks between the last character and the cursor they
must be removed using the backspace key.
Consult the separate manual provided with the Smoky Mountain Technologies
software for detailed information about the requirements for merchant setup.
You may also hit the F1 key for help information.
Testing Credit Card Authorization
At this point the system may be tested.__Verify that the SMTAUTH program is
loaded.__When it loads on the Authorization Server, a blue sign-on screen
will appear.__If you have any doubts about whether it is loaded, use the DOS
command "MEM /C /P".
From the POSEY directory enter "SMTPOP /f" to invoke the authorization
pop-up menu.__Enter a valid credit card number, expiration date, and any
amount.__The system should dial up the processor and return an acceptance.
If an error occurs the cause must be corrected and the request retried.
All errors at this point must be resolved before attempting to authorize
transactions through the POSey Point-Of-Sale system.__Types of errors
include:
____*___The modem does not dial the processor.__Check that the SMTAUTH
________program is loaded.__Check the modem configuration in the Merchant
________information screen.__Verify that the modem is connected to the
________proper port.__Verify the modem initialization string by using the
________"SMTAUTH /C" option.
____*___The modem dials the processor, but the processor "disconnects".
________Check that the data entered into the Processor information screen
________is correct (verify with the processor).__Make sure there are no
________trailing blanks in any field.
____*___The processor rejects the transaction.__Try forcing the use of track
________2 format by setting the authorize format to "2" in the mag-stripe
________reader configuration described below.__Verify that the processor has
________enabled the type of card being tested (VISA, American Express, etc.).
Any test authorizations must be removed from the current capture file using
the "Edit Capture Info" function.__If the settlement function is to be
tested you should use two offsetting transactions to the same card (a charge
and a refund of the same amount).
The directory path for accessing the authorization data files (*.LHT) must
be specified in the Register Configuration for each Authorization Register.
This path is normally "C:\POSEY\FILES\" if the register is also the
authorization server, or "D:\POSEY\FILES\" if the register is not also the
server.
Authorization Formats
There are three formats used for transmitting credit card data.__Each credit
card has two tracks of data containing card information.__Both tracks
include the credit card number, expiration date, and additional information
used by the processor.__Track 1 includes more information than track 2, such
as the users name.__The POSey system will send track 1 data if that track is
read OK, or track 2 data if track 1 cannot be read.__If neither track can be
successfully read, the clerk may enter the card number and expiration date
manually.__Manual data is sent using a third format.
Some processors will not accept the track 1 format.__They will return an
error such as "SERVICE NOT ALLOWED".__See the Authorize Format option in
section, "Configuration & Setup, Magstripe Reader Configuration" for setting
which formats will be transmitted by the POSey system.
Magstripe Reader Configuration
A mag-stripe reader must be configured on each Authorization Register.__See
the section, "Configuration & Setup, Magstripe Reader Configuration" for
detailed information about configuring the magcard reader.
Tip Processing with Credit Cards
Restaurants using POSey Charge Card Authorization will normally need to
process tips that are included on a credit card bill.__The process tips
option selects whether or not tip processing is enabled.
If enabled, the authorization of a credit card will not close the check.
The next "open" of the check will request the tip amount.__The original
credit card key must then be used to finalize the transaction and close the
check.__The CLEAR key may be used to cancel the request and service (store)
the check, in which case the tips will be requested again the next time the
check is opened.__The credit card number is displayed at the bottom of the
guest check window and the total amount (with tips) is displayed in the
entry window to allow the clerk to verify these numbers against the credit
slip.
If tip processing is enabled and multiple authorizations were used for the
same check (partial tendered), the check is not closed until tips are entered
for all credit cards. Each opening of the check will request the tips for
the next card in the same sequence in which they were authorized.__Up to 4
credit cards may be used for a single check.__Use Split Check if a check is
to be split among more than 4 cards or if more than 5 medias are used (e.g.
gift certificate, cash, and 4 credit cards).
Troubleshooting Problems
Please check this list of the most frequently encountered problems before
calling John Posey Corporation for tech support;
____*___Verify that SHARE is loaded (use MEM /C/P).
____*___Make sure the correct COM port and initialization string are specified
________in the merchant information.__Use SMTAUTH /C to get a recommended
________initialization string.
____*___Make sure there are no IRQ conflicts.__Remember that COM1 and COM3
________use the same IRQ (IRQ4) as do COM2 and COM4 (IRQ3).__This package
________does not allow the use of non-standard IRQ numbers.
____*___Verify that there are no trailing blanks in any of the fields in the
________processor information.
____*___Remove any TSRs loaded from modem software installations.__It is
________possible that FAX modem software could interfere with credit
________authorization.
____*___Use the /D option in CCAUTH.BAT if getting duplicate card errors.
____*___Make sure that the SMOKYMTN environment variable is properly set on
________any system which will run programs from the credit authorization
________menu (use SET from DOS to check this). Make sure that the credit
________card path is properly set in register configuration for any system
________which does ANY authorization functions.
Files Used by Credit Authorization
Files in the \POSEY directory:
____AUTHINFO.EXE________Used to edit offline data files before submitting
________________________for authorization (see OFFLNPRC.EXE).__Not
________________________integrated into the POSey system.
____CAPTINFO.EXE________Edit the current capture file.__Allows entries to
____CAPTINFO.HLP________be deleted if they contain invalid data and are
________________________rejected by the settlement process.__Deleted entries
________________________may be restored if needed by re-authorizing.
____CCREPORT.EXE________Interfaces the POSey system to the CCTRNRPT program.
________________________Allows the user to select the type of report desired.
____CCTRANS.EXE_________Interfaces the POSey system to the TRANSMIX program.
____CCTRNRPT.EXE________Reports detail and/or summary data to the screen,
____CCTRNRPT.HLP________the printer, or a file.__Can report current capture
________________________data (not settled), the previous settlement data,
________________________or historical data by date.
____MENUAUTH.EXE________Interfaces the authorization programs to the POSey
________________________system.__Used to return to the POSey main menu after
________________________completeing an authorization function.
____MRCHINFO.EXE________Edit merchant configuration information.
____MRCHINFO.HLP
____OFFLNPRC.EXE________Allows for the entry of offline information to be
____OFFLNPRC.HLP________authorized later in a batch transaction.__Normally
________________________used for phone orders which do not require that
________________________the authorization be performed immediately.__Not
________________________integrated into the POSey system (no need to do so),
________________________but included in case an installation has a need for
________________________such functionality.
____PROCINFO.EXE________Edit processor configuration information.
____PROCINFO.HLP
____PROGINFO.EXE________Not currently used by the POSey system.__Included
____PROGINFO.HLP________for possible future use.
____SMTAUTH.EXE_________TSR program which performs all dial-up access.
____SMOKYMTN.AD1________Scans the AUTHINFO.LHT file for requests to perform
____SMOKYMTN.AD2________authorizations.
____SMOKYMTN.RCP
____SMTPOP.EXE__________Pop-up program for manual authorization requests
________________________outside the POSey software.__Used to test the credit
________________________authorization installation.__Also used to reauthorize
________________________any transactions which did not get "settled" due to
________________________some problem.__Authorizations which are accepted are
________________________added to the current settlement file.
____TRANSMIX.EXE________Transmits settlement data to the processor.
Files in the \POSEY\FILES directory:
____AUTHINFO.LHT________Current authorization requests.__Each register uses
________________________its own record in this file to communicate with the
________________________SMTAUTH program during authorizations.
________________________The SMTAUTH TSR program continually scans this file
________________________for requests.
____BATCHINF.LHT________Status results for all batch settlements.
____CAPTINFO.LHT________Current capture file.__This file contains all
________________________accepted authorizations which have not yet been
________________________transmitted for settlement.
____CNEGFILE.LHT________Used for check verifications.__Not currently used by
________________________the POSey system.
____MRCHINFO.LHT________Merchant configuration information.
____MRCHSUPL.LHT________Supplamental merchant information.
____PROCINFO.LHT________Processor configuration information.
____SAVECARD.LHT________Saved card data (history of settled transactions).
____UA_SETUP.LHT________Universal adapter setup (not currently supported
________________________by POSey system).