ATM Online (Supports ISO8583 Messaging standard): is an added feature \ module to our flagships products Emortelle and IBOS, it allows users to effectively manage the On-line ATM processing on the system.

Once this feature is turned on, the organization would be receiving transactions via ATMs and Point-Of-Sales system automatically and the members’ account would reflect this activity.

The ATM on-line processor is an authorizing and transaction-processing module designed to respond to electronic transaction requests from ATMs conforming to the ISO8583 financial messaging standard.

The on-line module requires no user input and produces no screen output, all output is stored in a log file. The module is invoked automatically as and when required, responds to requests and writes resulting transactions to Members Ledgers and General Ledgers.

The on-line module can handle multiple simultaneous requests from several ATMs and other Electronic Terminal Devices via an ISO conformant Switch.

The following considerations control the behaviour of the on-line module:

• Only active cardholders are allowed to perform ATM transactions

• Deposits are automatically placed on hold for the number of days as defined by the value of ATM Management Setup Controls

• Transfers are allowed only if the following conditions are satisfied
  • Both accounts allowed transfers
  • The debit account must allow withdrawals
  • The credit account must accept deposits

• Approved withdrawal and transfer transactions are stamped with a unique authorization code generated by the on-line module

• All exceptions are written to the log file. The module may also be configured to write incoming and outgoing messages to the ATM log file