Master Card Credit Authorization Simulator PDF

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Information about this Replacement
Replacement The July 2006 MasterCard Credit Authorization Simulator replaces your
existing manual.
What is in the new This new version reflects changes effective July 2006.
version?
Please refer to:
• “Summary of Changes” for a comprehensive list of changes reflected in
this update.
• “Using this Manual” for a complete list of the contents of this manual.
Questions? If you have questions about this manual, please contact the Customer
Operations Services team or your regional help desk. Please refer to
“Using this Manual” for more contact information.
MasterCard is Please take a moment to provide us with your feedback about the material
Listening… and usefulness of the MasterCard Credit Authorization Simulator using the
following e-mail address:
publications@mastercard.com
We continually strive to improve our publications. Your input will help us

accomplish our goal of providing you with the information you need.
Summary of Changes
MasterCard Credit Authorization Simulator, July 2006
To locate these changes online—search on the date next to the revision bar. On the Adobe Reader
toolbar, click Search. In the Search pane, type Jul 2006 and then click Search.
Change Summary Description of Change Where to Look
Updated screen shots Inserted new and updated screen shots. Entire manual
Added a warning This warning describes the adverse affects when a member Chapter 2, Chapter 4
concerning changing changes the simulator PC date and time to a future date. and Chapter 5
the PC’s date and time
Updated Network Added new Network Options and descriptions to the Chapter 3, Chapter
Options and corresponding tables. 4, and Chapter 5
descriptions
Added new BIN Table Added new BIN table options and their descriptions. Chapter 3, Chapter 4
options
Added new Acquirer Added new Acquirer Table options and their descriptions. Chapter 3, Chapter 5
Table options
Update Table 4.1— Added a new history log icon. Chapter 4

History Log Icons
Added new Added new procedures for adding an instruction to set a Chapter 4, Chapter 5
procedures future settlement date in the simulator.
Added a new chapter Appendix A describes the features available with the Appendix A
Professional version of the MasterCard Credit Authorization
Simulator.
Page 1 of 1
MasterCard Credit
Authorization
Simulator
July 2006
Copyright The information contained in this manual is proprietary and
confidential to MasterCard International Incorporated (MasterCard)
and its members.
This material may not be duplicated, published, or disclosed, in

whole or in part, without the prior written permission of
MasterCard.
Trademarks Trademark notices and symbols used in this manual reflect the
registration status of MasterCard trademarks in the United States.
Please consult with the Customer Operations Services team or the
MasterCard Law Department for the registration status of particular
product, program, or service names outside the United States.
All third-party product and service names are trademarks or

registered trademarks of their respective owners.
Media This document is available:

• On MasterCard OnLine®
• On the MasterCard Electronic Library (CD-ROM)
MasterCard International Incorporated

2200 MasterCard Boulevard
O’Fallon MO 63368-7263
USA
1-636-722-6100
www.mastercard.com
© 2006 MasterCard International Incorporated

MasterCard Credit Authorization Simulator • July 2006 Publication Code: CS
Table of Contents
Using this Manual

Purpose................................................................................................................... 1
Audience................................................................................................................. 1
Overview ................................................................................................................ 1
Excerpted Text ....................................................................................................... 2
Language Use ......................................................................................................... 2
Times Expressed..................................................................................................... 2
Revisions ................................................................................................................. 3
Related Information................................................................................................ 3
Support ................................................................................................................... 4
Member Relations Representative ................................................................... 5
Regional Representative................................................................................... 5
Simulator Support ............................................................................................ 5
Chapter 1 Overview
Introduction .........................................................................................................1-1
Starting the MasterCard Credit Authorization Simulator..............................1-2
Simulator Modules...............................................................................................1-3
Navigator .......................................................................................................1-4
Test Preparation ............................................................................................1-5
Test Monitor ................................................................................................1-13
Test Results..................................................................................................1-15
Chapter 2 Installation Instructions

Requirements.......................................................................................................2-1
Configuration Requirements .........................................................................2-1
Simulator Software Distribution..........................................................................2-4

Distribution for New Users ...........................................................................2-4

MasterCard Credit Authorization Simulator • July 2006 i
Table of Contents
CD-ROM Distribution....................................................................................2-6
Distribution for Upgrade Versions ...............................................................2-7
First Time Installation..........................................................................................2-8

Software Installation......................................................................................2-8
Hardware Installation..................................................................................2-12
Simulator Installation Support...........................................................................2-13
Simulator Upgrade Installation .........................................................................2-14

MasterCard Credit Authorization Simulator Upgrade Installation .............2-14
Chapter 3 Simulator Configuration

Configuration Options.........................................................................................3-1
Accessing Configuration Options .................................................................3-1
Chapter 4 Issuer Testing

Standard Issuer Testing .......................................................................................4-1
Setting the IPS Host Test Mode ....................................................................4-1
Configuring the Simulator.............................................................................4-2
Managing the History Log.............................................................................4-7
Starting an Issuer Test Session....................................................................4-10
Stopping a Test Session ..............................................................................4-11
Viewing the Test Session ............................................................................4-11
Viewing Test Results ...................................................................................4-12
Refining the Test Results View ...................................................................4-17
Advanced Options and Specialized Testing.....................................................4-21

Setting Network Options ............................................................................4-21
PIN Key Sets................................................................................................4-24
MChip Key Sets ...........................................................................................4-27
“User” Category Card Profiles.....................................................................4-31
“User” Category Merchant Profiles .............................................................4-38
Creating a Transaction File .........................................................................4-41
Modifying a Transaction .............................................................................4-43
Adding Control Instructions........................................................................4-53
Network Response Profiles.........................................................................4-56

ii July 2006 • MasterCard Credit Authorization Simulator
Table of Contents
Chapter 5 Acquirer Testing

Standard Acquirer Testing...................................................................................5-1
Setting the APS Host Testing Mode..............................................................5-1
Adding an Instruction to Set a Future Settlement Date in
the Simulator .................................................................................................5-2
Adding Acquirer IDs .....................................................................................5-3
Issuer Response Profiles ...............................................................................5-4
Starting an Acquirer Test Session .................................................................5-6
Viewing Test Results .....................................................................................5-8
Managing the History Log...........................................................................5-16

PIN Key Sets................................................................................................5-23
Issuer Response Profiles .............................................................................5-26
Appendix A Professional Version

Simulator Professional Features ......................................................................... A-1
Navigator Options ........................................................................................ A-1
Test Preparation Module.............................................................................. A-7
Test Results Module ................................................................................... A-24

MasterCard Credit Authorization Simulator • July 2006 iii
Using this Manual
This chapter contains information that helps you understand and use this
document.
Purpose...................................................................................................................1
Audience.................................................................................................................1
Overview ................................................................................................................1
Excerpted Text .......................................................................................................2
Language Use .........................................................................................................2
Times Expressed.....................................................................................................2
Revisions .................................................................................................................3
Related Information................................................................................................4
Support ...................................................................................................................4
Member Relations Representative ...................................................................5
Regional Representative...................................................................................6
Simulator Support ............................................................................................6

MasterCard Credit Authorization Simulator • July 2006 i
Using this Manual
Purpose
Purpose
The MasterCard Credit Authorization Simulator documents how to use the
MasterCard Credit Authorization Simulator to conduct detailed offline testing of
the member host. Members test their host to ensure correct message formats
and compliance with processing requirements defined in the Customer
Interface Specification manual and the Authorization System Manual.
Audience
MasterCard provides this manual for members and their authorized agents.
Specifically, the following personnel should find this manual useful:
• Technical support staff
• Communications personnel
• Development personnel
Overview
The following table provides an overview of this manual:
Chapter Description
Table of Contents A list of the manual’s chapters and subsections. Each
entry references a chapter and page number.
Using this Manual A description of the manual’s purpose and its contents.
1 Overview An explanation of what you need to know about the
MasterCard Credit Authorization Simulator before you
start testing.
2 Installation Instructions A description of the steps necessary for setup and
installation of the MasterCard Credit Authorization
Simulator.
3 Simulator Configuration An explanation of how to configure the MasterCard Credit
Authorization Simulator.
4 Issuer Testing An explanation of how to perform Issuer Testing using
the MasterCard Credit Authorization Simulator.
5 Acquirer Testing An explanation of how to perform Acquirer Testing using
the MasterCard Credit Authorization Simulator.

MasterCard Credit Authorization Simulator • July 2006 1
Using this Manual
Excerpted Text
Chapter Description
Jul
A Professional A description of the features available with the 2006
Version Professional version of the MasterCard Credit
Excerpted Text
At times, this document may include text excerpted from another document. A
note before the repeated text always identifies the source document. In such
cases, we included the repeated text solely for the reader’s convenience. The
original text in the source document always takes legal precedence.
Language Use
The spelling of English words in this manual follows the convention used for
U.S. English as defined in Merriam-Webster’s Collegiate Dictionary.
MasterCard is incorporated in the United States and publishes in the United
States. Therefore, this publication uses U.S. English spelling and grammar
rules.
An exception to the above spelling rule concerns the spelling of proper nouns.
In this case, we use the local English spelling.
Times Expressed
MasterCard is a global company with locations in many time zones. The
MasterCard operations and business centers are in the United States. The
operations center is in St. Louis, Missouri, and the business center is in
Purchase, New York.
For operational purposes, MasterCard refers to time frames in this manual as

either “St. Louis time” or “New York time.” Coordinated Universal Time (UTC)
is the basis for measuring time throughout the world. You can use the
following table to convert any time used in this manual into the correct time in
another zone:

2 July 2006 • MasterCard Credit Authorization Simulator
Using this Manual
Revisions
St. Louis, Purchase, New York

Missouri USA USA UTC
Central Time Eastern Time
Standard time 09:00 10:00 15:00
(last Sunday in October to the
first Sunday in April a)
Daylight saving time 09:00 10:00 14:00
(first Sunday in April to last
Sunday in October)
a For Central European Time, last Sunday in October to last Sunday in March.
Revisions
MasterCard periodically will issue revisions to this document as we implement
enhancements and changes, or as corrections are required.
With each revision, we include a “Summary of Changes” describing how the

text changed. Revision markers (vertical lines in the right margin) indicate
where the text changed. The month and year of the revision appear at the
right of each revision marker.
Occasionally, we may publish revisions or additions to this document in a

Global Operations Bulletin or other bulletin. Revisions announced in another
publication, such as a bulletin, are effective as of the date indicated in that
publication, regardless of when the changes are published in this manual.

Using this Manual
Related Information
Related Information
The following documents and resources provide information related to the
subjects discussed in this manual. For descriptions of these documents, please
refer to the List of Manuals in the Member Publications product on MasterCard
2
OnLine®.
• Authorization System Manual
• Customer Interface Specification
• Data Communications Manual
Members that use the Cirrus® service and logo or that process online debit
transactions should refer to the debit processing manuals recommended by the
Customer Operations Services team.
For definitions of key terms used in this document, please refer to the
MasterCard Dictionary on the Member Publications home page (on
MasterCard OnLine® and the MasterCard Electronic Library CD-ROM).
To order MasterCard manuals, please use the Ordering Publications service on

MasterCard OnLine®, or contact the Customer Operations Services team.
Support
Please address your questions to the Customer Operations Services team as
follows:
Phone: 1-800-999-0363 or 1-636-722-6176
1-636-722-6292 (Spanish language support)
Fax: 1-636-722-7192
E-mail: Canada, Caribbean, Latin customer_support@mastercard.com

America, South Asia/Middle
East/Africa, and U.S.
Asia/Pacific:
Australia and New member_operations@mastercard.com

Zealand
China, Hong Kong, and helpdesk.gc@mastercard.com

Taiwan
South East Asia helpdesk.singapore@mastercard.com

Using this Manual
Support
Japan/Guam helpdesk.tokyo@mastercard.com
Korea korea_helpdesk@mastercard.com
Europe css@mastercard.com
Spanish language support lagroup@mastercard.com
Vendor Relations, all regions vendor.program@mastercard.com
Address: MasterCard International Incorporated

Customer Operations Services
2200 MasterCard Boulevard
O’Fallon MO 63368-7263
USA
Telex: 434800 answerback: 434800 ITAC UI
Member Relations Representative

Member Relations representatives assist U.S. members with marketing
inquiries. They interpret member requests and requirements, analyze them,
and if approved, monitor their progress through the various MasterCard
departments. This does not cover support for day-to-day operational
problems, which the Customer Operations Services team addresses.
For the name of your U.S. Member Relations representative, contact your local
Member Relations office:
Atlanta 1-678-459-9000
Chicago 1-847-375-4000
Purchase 1-914-249-2000
San Francisco 1-925-866-7700

Using this Manual
Support
Regional Representative
The regional representatives work out of the regional offices. Their role is to
serve as intermediaries between the members and other departments in
MasterCard. Members can inquire and receive responses in their own
languages and during their offices’ hours of operation.
For the name of the location of the regional office serving your area, call the
Customer Operations Services team at:
Phone: 1-800-999-0363 or 1-636-722-6176

1-636-722-6292 (Spanish language support)
Simulator Support
For MasterCard Credit Authorization Simulator support, contact your Simulator
Support Specialist via e-mail:
E-mail Address: credit.sim@mastercard.com

1 Overview
The MasterCard Credit Authorization Simulator provides members with a
powerful and full-featured offline test tool. Members can perform release or
internal system testing at their own pace and convenience.
Introduction .........................................................................................................1-1
Starting the MasterCard Credit Authorization Simulator..............................1-2
Simulator Modules...............................................................................................1-3
Navigator .......................................................................................................1-4
Setting the Test Mode .............................................................................1-5
Test Preparation ............................................................................................1-5
Transaction File Pane (Issuer Testing)...................................................1-6
Profiles Pane ...........................................................................................1-7
Transaction Profiles Pane .................................................................1-7
Card Profiles Pane ............................................................................1-8
Merchant Profiles Pane.....................................................................1-9
Data Elements Pane................................................................................1-9
Subelements Pane.................................................................................1-10
Test Preparation Toolbar ......................................................................1-10
Network Response Profile Pane...........................................................1-12
Issuer Response Profile Pane (Acquirer Testing) ................................1-12
Test Monitor ................................................................................................1-13
Transaction Navigation .........................................................................1-14
Test Monitor Toolbar ............................................................................1-15
Test Results..................................................................................................1-15
Table View ............................................................................................1-16
Log with Parsed Message Detail...........................................................1-17
Log with the Key Data..........................................................................1-18
Test Results Toolbar .............................................................................1-18

MasterCard Credit Authorization Simulator • July 2006 1-i
Overview
Introduction
Introduction
The MasterCard Credit Authorization Simulator provides members the ability to
conduct detailed offline testing. The simulator software is a 32-bit, Microsoft®
Windows application that runs on a PC with Microsoft® Windows® 2000 with
Service Pack 3 or higher, or Microsoft® Windows® XP Professional with Service
Pack 1 or higher. Members must install the simulator application software on
a Pentium III 1GHz or compatible PC. Members establish the connection
between the simulator PC and their host using a member provided network
interface card (NIC) for TCP/IP connectivity. The resulting interface simulates
the actual interface between the member host and the MasterCard interface
processor (MIP).
The MasterCard Credit Authorization Simulator tests messages using the

Customer Interface Specification message format. Refer to the Customer
Interface Specification (CIS) manual for additional message format
information.
The simulator provides virtually all the testing capabilities that are available
with online testing. With the simulator, members can conduct extensive
preparations for online testing in an offline environment. By performing
simulator testing, members can replicate the tests and procedures for
scheduled online testing. This procedure will minimize the time required to
perform online testing.
MasterCard updates the simulator in accordance with the Banknet® release

cycle. Typically, the most current version of the simulator will be available
three to four weeks before any online member testing facilities become
available for the new release. The early availability of the simulator increases
the amount of time that members will have to complete release testing. Using
the simulator, members also are able to test internally developed systems or
vendor-purchased systems. New members can use the simulator to test their
systems for compliance with MasterCard processing requirements. The
simulator provides an emulation tool for complete end-to-end application
testing.
The MasterCard Credit Authorization Simulator allows members to test their

system using one of two testing modes: IPS Host Testing (issuer) or APS Host
Testing (acquirer).
• IPS Host Testing: The member host is the issuer. The simulator generates
Authorization Request/0100 messages and sends them to the member host.
The simulator will validate the Authorization Request Response/0110
messages returned by the member host (Figure 1.1).

MasterCard Credit Authorization Simulator • July 2006 1-1
Overview
Introduction
Figure 1.1—IPS Host Testing
Authorization Request/0100
Authorization Request Response/0110

Host Simulator
as Issuer
• APS Host Testing: The simulator responds to the Authorization Request/0100

messages sent by the member host. The simulator validates the received
messages and then creates and returns to the member host, the appropriate
Authorization Request Response/0110 messages (Figure 1.2).
Figure 1.2—APS Host Testing
Authorization Request/0100
Authorization Request Response/0110

Host Simulator
as Acquirer
Note Members cannot conduct IPS Host Testing and APS Host Testing simultaneously.
Starting the MasterCard Credit Authorization Simulator

Use the following steps to start the simulator application:
Step Action
1. On the PC desktop, double-click the MasterCard Simulators folder icon to
open the folder. You can also use the Start button to access the simulator.

1-2 July 2006 • MasterCard Credit Authorization Simulator
Overview
Simulator Modules
Step Action
2. Double-click the MasterCard Credit Authorization Simulator icon to launch the
application.
Jul
2006
Note The appearance of the desktop folder is dependent on the selected Windows
display properties.
Simulator Modules
The MasterCard Credit Authorization Simulator consists of the following
modules:
• Navigator
A navigational pane that allows access of all the simulator modules from
one central location. From here members:
− Set the testing mode
− Access configuration parameters
− Access main simulator modules
− Access documentation
− Access System Administration
− View archived test logs
• Test Preparation
From here, members may create and/or modify user profiles, user response
profiles, and transaction files.

Overview
Simulator Modules
• Test Monitor
Members run simulator testing of transaction files within this module.
• Test Results
This module allows members to view and analyze test results and manage
the test log.
Navigator
The simulator’s main window displays the Navigator pane. From here
members may navigate to all the main modules of the simulator.
The Navigator pane is organized using tabs and corresponding icons allowing
members to navigate quickly and easily to the following:
• Simulator modules
• Information (related documentation)
• System administration
• Simulator Add-Ins
Figure 1.3—Simulator Main Window
Jul
2006

Overview
Simulator Modules
Setting the Test Mode

From the Navigator pane, members set the testing mode before beginning to
test with the simulator. Use the following procedure to set the test mode:
Step Action
simulator application.
2. From the Navigator pane, select the Testing tab.
3. Select a Test Mode from the drop-down list.
Test Preparation
The Test Preparation window is comprised of two individual panes; the
Transaction File pane and the Profile pane (Figure 1.4). From the Test
Preparation window members may:
• Create and modify test transaction files

• Create and modify individual test messages
• Create and modify User Card and Merchant Profiles
• Create and modify User Network Response Profiles

Overview
Simulator Modules
Figure 1.4—Test Preparation Window (Issuer Testing)
Jul
2006
Transaction File Pane (Issuer Testing)

The Transaction File pane (Figure 1.5), of the Test Preparation module,
provides a work area for creating or modifying transaction files. When
creating a new transaction, members may use the standard Microsoft function
of click and drag to move the Transaction Profiles from the Transaction Profile
pane into the Transaction File pane.
Figure 1.5—Transaction File Pane - Issuer Testing
Jul
2006

Overview
Simulator Modules
Profiles Pane
Profiles are building blocks used by the simulator to create transaction
messages. A transaction message is composed of different fields and tags
which can be specified within a profile type. The Test Preparation module
uses the profiles as a reference base when creating a transaction message.
The profile categories are as follows:

• Transaction Profile—the member can select one of these pre-defined profiles
as a basis for the composition of a message. These profiles may not be
modified by the member.
• Card Profile—these profiles contain member specific card information which
the Transaction Profile references to create a message. The Card Profiles
are divided into Reference and User categories. The member may modify
the data elements in both profile categories but may not modify the Profile
Name or description in the Reference category. A Reference category
profile may be copied and pasted into the User category to be used as a
template.
• Merchant Profile—these profiles contain merchant information which the
Transaction Profile references to create a message. The Merchant Profiles
are divided into Reference and User categories. The member may modify
only the User category in these profiles. A Reference category profile may
be copied and pasted into the User category to be used as a template.
The Profiles pane, located in the lower half of the Test Preparation window
provides a work area for displaying and working with the Transaction, Card,
and Merchant Profiles.
Transaction Profiles Pane
MasterCard provides pre-defined Transaction Profiles that are organized within

the Transaction Profile pane by message type, card entry method, and services
(Figure 1.6).
Members may use the standard Microsoft function of click and drag or double-
click a profile to move the Transaction Profiles into the Transaction File Pane
to quickly create a transaction file.

Overview
Simulator Modules
Figure 1.6—Transaction Profiles Pane
Card Profiles Pane
The Card Profiles pane contains a pre-defined Reference Card Profile category
that is organized by Standard or Chip cards, product type, and U.S. or Non-
U.S. region (Figure 1.7).
MasterCard provides pre-defined Reference Card Profiles that members modify

with their specific card information. However, the Reference Card Profiles
may not be deleted or renamed.
Members may create and modify Card Profiles in the User Card Profile
category. The Transaction Profiles reference the Card Profiles to create
transaction messages.
Figure 1.7—Card Profiles Pane
Jul
2006

Overview
Simulator Modules
Merchant Profiles Pane
The Merchant Profiles pane contains a pre-defined Reference Merchant Profile

category that is organized by transaction category code (TCC) and alphabetical
order (Figure 1.8).
MasterCard provides pre-defined Reference Merchant Profiles which may not

be modified. However, members may create and modify Merchant Profiles in
the User Merchant Profile category. The Transaction Profiles reference the
Merchant Profiles to create transaction messages.
Figure 1.8—Merchant Profiles Pane
Data Elements Pane

The Data Elements pane lists and displays all ISO-specified data elements used
in the MasterCard implementation of the ISO 8583-1987 message standard
(Figure 1.9). Members may use the standard Microsoft function of click and
drag to move data elements from this pane onto a transaction in the
Transaction File pane thereby adding or overwriting existing data elements
with a specified value.

Overview
Simulator Modules
Figure 1.9—Data Elements Pane
Subelements Pane
Jul
The Subelements pane lists and displays all ISO-specified subelements for data 2006
elements 35, 43, 45, 48, 55, 112, 120 and 124 (Figure 1.10). Members may use
the standard Microsoft function of click and drag to move subelements from
this pane onto a transaction in the Transaction File pane thereby adding or
overwriting existing subelements for the corresponding data elements with a
specified value.
Figure 1.10—Subelements Pane
Jul
2006
Test Preparation Toolbar

Within the Test Preparation window, members perform most functions through
the use of the Test Preparation toolbar. Each toolbar button displays an
accompanying tool tip, which describes the button’s function.
Table 1.1 describes the Test Preparation Toolbar buttons and their function.

Overview
Simulator Modules
Table 1.1—Test Preparation Toolbar
Button Description
Jul
New transaction file. 2006
Opens an existing transaction file.
Appends an existing .trx file to a current one.
Saves the transaction file.
Saves the transaction file under a different name.
Creates a new group.
Adds an instruction.
Edits the selected object.
Outline view hides card and merchant profile information in the

transaction file.
Collapses all request messages in the transaction
Expands all underlying objects.
Moves object to the left.
Moves object to the right.
Moves object up.
Moves object down.
Views the composed message.
Selects some of the transactions.
Launches the Search and Replace dialog box.
Moves to the first selected transaction.
Moves to the previous selected transaction.
Moves to the next selected transaction.

Overview
Simulator Modules
Button Description
Moves to the last selected transaction.
Network Response Profile Pane

The Test Preparation window also contains a Network Response Profile pane
(Figure 1.11), which may be accessed through a corresponding tab.
MasterCard provides pre-defined Reference Network Response Profiles that

contain the default response values for standard MasterCard testing. The
Reference Network Response profiles may not be modified. However,
members may create and modify User Network Response Profiles to meet their
specific testing needs.
Figure 1.11—Network Response Profile Pane
Jul
2006
Issuer Response Profile Pane (Acquirer Testing)

The Test Preparation window also contains an Issuer Response Profile pane
(Figure 1.12), which may be accessed through a corresponding tab.

Overview
Simulator Modules
For acquirer testing, MasterCard provides pre-defined Reference Issuer

Response Profiles that contain default response values for standard MasterCard
testing. The Reference Issuer Response Profiles may not be modified.
However, acquirers may create and modify User Issuer Reference Profiles to
meet their specific testing needs.
Figure 1.12—Issuer Response Profile Pane (Acquirer Testing)
Jul
2006
Test Monitor
The Test Monitor window is comprised of two individual panes, the
Transaction File pane, and the Test Activity Log pane (Figure 1.13).
These panes provide a workspace to execute test sessions and monitor the
testing activity. The Transaction File pane displays the active transaction file,
while the lower pane (Test Activity Log pane) displays the test session activity.
Profile tabs allow members to access the different profile “hits” information.

Overview
Simulator Modules
Transaction Navigation
Members have the ability to navigate from a transaction within the two panes
of the Test Monitor to the exact transaction in either the Test Preparation or
Test Results module. This navigation ability is only allowed from the Test
Monitor module outward to the Test Preparation or Test Results module.
Members may not use the double-clicking transaction navigation to return to
the Test Monitor from the other modules.
By double-clicking a transaction in the Transaction File pane, members quickly

navigate to the exact transaction in the Test Preparation module. The
navigation to the specific transaction within the Test Preparation module
provides the member the ability to quickly modify a specific transaction record
during a test session.
By double-clicking a transaction in the Test Activity Log pane, members quickly

navigate to the exact transaction within the Test Results module. The
navigation to the specific transaction within the Test Results module provides
the member the ability to quickly analyze a specific transaction record during a
test session.
Figure 1.13—Test Monitor Window
Jul
2006

Overview
Simulator Modules
Test Monitor Toolbar

Within the Test Monitor window, members perform most functions through the
use of the Test Monitor toolbar. Each toolbar button displays an
accompanying tool tip, which describes the button’s function.
Table 1.2 describes the Test Monitor Toolbar buttons and their function.
Table 1.2—Test Monitor Toolbar (Issuer Testing)
Button Description
Opens an existing transaction file.
Reset the hits.
Views the composed message.
Starts the execution of the selected object(s).
Stops the execution.
Selects transactions in the transaction file base.
Jumps to the first selected transaction.
Jumps to the previous selected transaction.
Jumps to the next selected transaction.
Jumps to the last selected transaction.
Clears the full transaction history log.
Test Results
The Test Results window displays the Sequential and Historical logs for the
simulator testing sessions. From here members may view the simulator log for
test result analysis. Members also manage the simulator log from this window
controlling the log data base organization.

Overview
Simulator Modules
The Test Results window provides the following views to facilitate with the test
results analysis:
• Table View
• Log with Parsed Message Detail (default)
• Log with the Key Data
Table View
The Table view (Figure 1.14) displays the test results information in dynamic
columns that change with the selection of different records in the log. For
example, when an “information” record is selected, the columns adjust
accordingly, displaying the record name, a time stamp, and a description.
However, when a “message” record is selected then the columns change to
display the record name, a time stamp, and specific data elements.
Figure 1.14—Test Results – Table View

Jul
2006

Overview
Simulator Modules
Log with Parsed Message Detail

The Log with Parsed Message Detail (default) view provides two synchronized
panes displaying the log records and the accompanying information or data
element detail.
Figure 1.15—Test Results – Log with Parsed Message Detail

Jul
2006

Overview
Simulator Modules
Log with the Key Data

The Log with the Key Data view provides a synchronized tri-pane that displays
the log records, specific key data, and data element detail.
Figure 1.16—Test Results – Log with the Key Data
Jul
2006
Test Results Toolbar

Within the Test Results window, members perform most functions through the
use of the Test Results toolbar. Each toolbar button displays an accompanying
tool tip, which describes the button’s function.

Overview
Simulator Modules
Table 1.3 describes the Test Results Toolbar buttons and their function.
Table 1.3—Test Results Toolbar
Button Description
Shows the log in table view.
Shows the log with parsed message detail.
Shows the log with the key data.
Shows the outgoing message profile construction.
Views the data in its compiled form.
Refreshes the sequential log.
Filters some entries from the log.
Select messages based on given data elements.
Jumps to the first selected message.
Jumps to the previous selected message.
Jumps to the next selected message.
Jumps to the last selected message.
Clears the full transaction history log.
Generates a text file of the log detail.
Exports log file to an HTML file.

2 Installation Instructions
This chapter describes the steps necessary for installation and setup of the
MasterCard Credit Authorization Simulator.
Requirements.......................................................................................................2-1
Configuration Requirements .........................................................................2-1
Simulator Software Distribution..........................................................................2-4

Distribution for New Users ...........................................................................2-4
Download MasterINQ Base Platform from MasterCard OnLine ...........2-4
Download the MasterCard Credit Authorization Simulator from
MasterCard OnLine .................................................................................2-5
CD-ROM Distribution....................................................................................2-6
Distribution for Upgrade Versions ...............................................................2-7
Download Upgrade from MasterCard OnLine Browser Edition ...........2-7
CD-ROM Distribution..............................................................................2-7
First Time Installation..........................................................................................2-8

Software Installation......................................................................................2-8
Adobe Acrobat Reader Installation ........................................................2-8
MasterCard Credit Authorization Simulator Installation ........................2-8
Installing the MasterCard Credit Authorization Simulator...............2-9
Hardware Installation..................................................................................2-12
Hardware Token Installation................................................................2-12
Simulator Installation Support...........................................................................2-13
Simulator Upgrade Installation .........................................................................2-14

MasterCard Credit Authorization Simulator Upgrade Installation .............2-14
Installing the MasterCard Credit Authorization
Simulator Upgrade ................................................................................2-15

Installation Instructions
Requirements
Requirements
The MasterCard Credit Authorization Simulator is an integral part of the
MasterCard Test Program. The MasterCard Credit Authorization Simulator is
mandatory for all members and processors that connect directly to the
Banknet® telecommunications network.
Configuration Requirements
To install the MasterCard Credit Authorization Simulator, the member or
processor must provide the hardware and software identified in Table 2.1
Table 2.1—Hardware and Software Requirements
Item Description
Computer/Processor • Pentium® III 1 GHz CPU or compatible system
minimum
• Pentium® 4 2.0 GHz recommended
Operating System Windows 2000 Professional with service pack 3 or
higher, or Windows XP Professional with service pack 1
or higher
Memory • 256 MB minimum
• 512 MB recommended
Hard Disk Available hard disk space:
• 500 MB minimum
• 1.0 GB recommended
Display Super VGA (1024 X 768) with 65,536 colors or higher-
resolution display adapter
Monitor 17 inch or larger color display
Drive CD-ROM drive or access to CD-ROM over a computer
network
USB Port Active Universal Series Bus (USB) port or a USB hub
Peripheral/Miscellaneous Microsoft mouse or compatible pointing device
Table 2.2 defines the MasterCard supplied hardware and software. Table 2.3
lists the software and documentation distributed via MasterCard OnLine®
Browser Edition.

Requirements
Table 2.2—Installation Kit Hardware and Software Components
Item Description Note

Hardware token Software licensing The MasterCard Credit
(Figure 2.1) hardware token that Authorization Simulator will
attaches to the PC’s USB not operate without the
port and provides the hardware token. See Jul
2006
license protection for Hardware Token Installation
the MasterCard Credit concerning an important
Authorization Simulator. warning about the hardware
token access date.
SecurID device Physical device that You must use your PIN and
(Figure 2.2) provides a dynamic the passcode from the
access code synchronized SecurID device to access the
with the MasterCard MasterCard OnLine® server.
OnLine® server.
Adobe® Acrobat® Reader A document viewing Available for download from
application that supports http://www.adobe.com/.
a common documentation
format.
Figure 2.1—Hardware Token

Requirements
Figure 2.2—SecurID Device
Table 2.3—MasterCard OnLine® Supplied Components
Item Description
MasterINQ software A baseline ISO 8583 message generation
engine on which the MasterCard Credit
Authorization Simulator is installed as an
add-on to the baseline platform.
MasterCard Credit Authorization Simulator Microsoft® Windows 2000® or Windows
software XP Professional® compatible 32–bit
applications
MasterCard Credit Authorization Simulator Documentation provided in PDF format.
manuala
a MasterCard OnLine Browser Edition is the distribution method for all updates and revisions.

Simulator Software Distribution

Members can obtain the MasterINQ Base Platform and the MasterCard Credit
Authorization Simulator application software using either of the following
methods:
• Download the application using MasterCard OnLine Browser Edition
• Request that MasterCard distribute the simulator application on CD-ROM
Distribution for New Users

Refer to the First Time Installation subsection for MasterCard Credit
Authorization Simulator software installation instructions.
Download MasterINQ Base Platform from MasterCard OnLine

The MasterINQ platform is a baseline ISO 8583 message generation engine.
This baseline engine is common between the MasterCard Debit Financial and
Credit Authorization Simulators. Once the MasterINQ platform is installed, the
MasterCard Credit Authorization Simulator is customized and installed as an
add-on to the baseline platform.
Follow these steps to download the MasterINQ Base Platform application file
from MasterCard OnLine Browser Edition:
Step Action
1. Start a MasterCard OnLine Browser Edition session.
2. From the Featured Products & Services pane, select MasterCard Simulator
Suite.
3. For the MasterCard Credit Authorization Simulator, click the corresponding

Documentation link.
4. Locate and click the MasterINQ Base Platform Install File link.

Step Action
5. Click Save in the File Download dialog box.
6. Select a directory and click Save.
Download the MasterCard Credit Authorization Simulator from

MasterCard OnLine
Follow these steps to download the MasterCard Credit Authorization Simulator
application files from MasterCard OnLine Browser Edition:
Step Action
1. Start a MasterCard OnLine Browser Edition session.
2. From the Featured Products & Services pane, select MasterCard Simulator
Suite.
3. For the MasterCard Credit Authorization Simulator, click the corresponding

Download link.
4. Click Save in the download dialog box.

5. Select a directory and click Save.
6. Close your MasterCard OnLine browser session after completing the
download.

For additional assistance with MasterCard OnLine Browser Edition installation

or MasterCard Credit Authorization Simulator application downloads, please
contact the Online Solutions and Services Help Desk:
Phone: 1-800-288-3381 or 1-636-722-6636 (option 3)
Fax: 1-636-722-7994
E-mail: mcps_support@mastercard.com
The Online Solutions and Services Help Desk is available 24 hours a day,
seven days a week.
CD-ROM Distribution
As an alternate method for obtaining the MasterCard Credit Authorization
Simulator, members can request distribution of the application on a CD-ROM.
However, members located outside the U.S. region can incur greater import or
customs duties. When the MasterCard Credit Authorization Simulator
application software is included on the distribution CD-ROM, the declared
value of the shipment will be USD 9,500.00. If the MasterCard Credit
Authorization Simulator application software is not provided on the CD-ROM,
the declared value of the shipment is less than USD 600.00.
To receive the MasterCard Credit Authorization Simulator application software

on the distribution CD-ROM, use the following procedures:
Step Action
1. If necessary, contact your MasterCard Regional Office Representative for
MasterCard OnLine access.
2. Initiate the dial or proxy process following the browser software
manufacturer’s instructions.
3. Start the selected browser and go to the MasterCard OnLine homepage
(http://www.mastercardonline.com).
4. From Featured Products & Services, select the MasterCard Simulator Suite link.
5. From MasterCard Credit Authorization Simulator, select Order/Upgrade.
6. Complete the required information and submit the request.

Distribution for Upgrade Versions

Refer to Download the MasterCard Credit Authorization Simulator from
MasterCard OnLine section for upgrade version downloading instructions.
Download Upgrade from MasterCard OnLine Browser Edition

Members that have licensed a previous version of the MasterCard Credit
Authorization Simulator can download the current upgrade version from
MasterCard OnLine Browser Edition at no additional charge.
CD-ROM Distribution
As an alternate method for obtaining the current MasterCard Credit
Authorization Simulator upgrade version, members can request distribution of
the application on a CD-ROM using the following procedures:
Step Action
1. If necessary, contact your MasterCard Regional Office Representative for
MasterCard OnLine access.
2. Initiate the dial or proxy process following the browser software
manufacturer’s instructions.
3. Start the selected browser and go to the MasterCard OnLine homepage
(http://www.mastercardonline.com).
4. From Featured Products & Services, select the MasterCard Simulator Suite link.
5. From MasterCard Credit Authorization Simulator, select Order/Upgrade.
6. Complete the required information and submit the request.
MasterCard will bill members USD 395.00 plus shipping and handling, for the
current MasterCard Credit Authorization Simulator version application on
CD-ROM. For members located outside the U.S. region, the declared value of
the upgrade CD-ROM shipment will be USD 395.00.

First Time Installation

New members or members that install the MasterCard Credit Authorization
Simulator on a new PC should follow the first time installation procedures.
Software Installation
You must have administrative privileges to install the MasterCard Credit
Authorization Simulator and associated software. The member’s Information
Services/Information Technology (IS/IT) department or representative should
review all procedures before installing the required MasterCard Credit
Authorization Simulator hardware and software.
Adobe Acrobat Reader Installation

The Adobe Acrobat Reader is provided to ensure that members will be able to
view and use the support documentation included with the MasterCard Credit
Authorization Simulator. Use the following procedure to install Adobe Acrobat
Reader software:
Step Action
1. Place the MasterCard Credit Authorization Simulator CD in the CD-ROM drive.
2. Click the Start button, and select Run.
3. In the Open box, type C:\*\Acrobat\Setup.exe. (* equals the directory path
the member selected when downloading the file from MasterCard Online.)
(If necessary, modify the path)
4. Click OK. Allow the Install Wizard to guide you through the installation
process.
Note If you did not receive a MasterCard Credit Authorization Simulator CD, you may
download the Adobe Acrobat Reader software from http://www.adobe.com/.
MasterCard Credit Authorization Simulator Installation

This section describes the installation steps for the current version of the
MasterCard Credit Authorization Simulator for first time installation. The initial
installation process performs the following actions:
• Installs the MasterINQ base platform
• Installs the Rainbow Sentinel Driver

• Creates a new folder:

C:\Program Files\MasterCard\MasterINQ62\Data_Credit_xx_x (where xx_x
equals the current version of the simulator)
• Creates a MasterCard Simulators folder icon on the PC desktop
• Adds application icons to the Start menu
Installing the MasterCard Credit Authorization Simulator
Use the following procedure to launch the installation process:
Step Action
1. Click the Windows Desktop Start button, and select Run.
2. Click Browse to locate the MasterCard Credit Authorization Simulator
executable file (crsimxx_x.exe).
• Select C:\* 1\crsim_sim\crsimxx_x.exe 2 if you downloaded the MasterCard
Credit Authorization Simulator applications using MasterCard OnLine®.
• Select D:\Simulator\crsimxx_x.exe if you received the MasterCard Credit
Authorization Simulator applications on CD-ROM. (If necessary, modify
the path)
3. Select crsimxx_x.exe and click OK to begin the MasterCard Credit Authorization
Simulator installation program. The system briefly displays the progress
indicator.
4. Click Next to continue.
5. Read the MasterCard Test Simulator Software License Agreement carefully, and
click the I accept the terms of the license agreement radio button to accept the
terms of the agreement and click Next.
1 * equals the directory selected by the member when downloading the file from MasterCard
Online.
2 xx_x equals the current version simulator.

Step Action
6. Click the Anyone who uses this computer (all users) radio button and then click
Next.
7. Click Install to start copying the MasterINQ base platform files.

8. Click OK in the message indicating the installation of the MasterINQ Platform.
9. Select the folder/directory location where the MasterINQ installation file
(MasterINQ62r3 Setup.exe) was downloaded and click OK.
10. Click Next.

Step Action
11. Read the MasterINQ Software License Agreement carefully, and click the I
accept the terms of the license agreement radio button to accept the terms of
the agreement and then click Next.
12. Click Next.
13. Click Install to begin the installation of the MasterINQ base platform files.
14. Click Finish.
15. Click OK in the message indicating the installation of the USB Hardware
Token Device Driver.
16. Click Next.
17. Read the Rainbow Sentinel Driver Software License Agreement carefully, and
click the I accept the terms of the license agreement radio button and click
Next.
18. Click Next.

19. Click the Complete radio button and then click Next.
20. Click Install to begin the installation of the USB Hardware Token Device
Driver.
21. Click Finish.
22. Click Finish when setup is complete.
23. Continue with Hardware Installation.

Hardware Installation
The member’s Information Services/Information Technology (IS/IT)
department or representative should review all procedures before installing the
required MasterCard Credit Authorization Simulator hardware.
Hardware Token Installation

Connect the hardware token to the USB (Figure 2.3) port. The hardware token
must be present to operate the MasterCard Credit Authorization Simulator.
Figure 2.3—Hardware Token Installation
MasterCard provides a hardware token license file via email to members.

Members should detach the license file from their email message to the
C:\Program Files\MasterCard\MasterINQ62\Bin directory. The license file must be
present in the Bin folder of the MasterInq directory for the simulator to
operate. Figure 2.4 is an example of a license file.

Simulator Installation Support
Jul
Warning Members should not change the simulator’s PC date to a future date as this will 2006
cause the simulator’s security hardware token license to update the token
access date. As a result, when the PC date is reset to the current date the
license date becomes expired. An expired license date in the license file causes
the security token to deny member access to the simulator.
In some instances, if the PC date is manually changed to a distant future date, a
new hardware token may be required to operate the simulator. A hardware
token replacement fee will apply.
See Chapters 4 and 5 for details about adding an instruction to test with a
future settlement date.
Figure 2.4—Hardware token license file example
Simulator Installation Support

MasterCard Credit Authorization Simulator support specialists provide technical
support for all member questions related to the MasterCard Credit
Authorization Simulator software installation process. For technical assistance,
please contact Simulator Support:
E-mail: credit.sim@mastercard.com
Web site: www.mastercardonline.com

Simulator Upgrade Installation

This section presents the upgrade installation for existing users of the
The MasterCard Credit Authorization Simulator installation instructions

described in this section assume that you are upgrading from a previous
version of the simulator to the current version.
If you are upgrading to the current version of the MasterCard Credit

Authorization Simulator but performing the installation on a PC on which a
previous version is not currently installed, see First Time Installation.
This section describes the upgrade installation steps for the MasterCard Credit
MasterCard Credit Authorization Simulator Upgrade

Installation
This section describes the installation steps for the current version of the
MasterCard Credit Authorization Simulator for upgrade installation. The initial
installation process performs the following actions:
• Updates the MasterINQ base platform
• Creates a new folder:
C:\Program Files\MasterCard\MasterINQ62\Data_Credit_xx_x 3
• Creates a new icon in the MasterCard Simulators folder icon on the PC
desktop for the current version of the simulator
• Creates a new icon for the previous version of the simulator
• Adds application icons to the Start menu
• Copies user files from C:\Program
Files\MasterCard\MasterINQXX 4\Data_Credit_XX.X 5\User to C:\Program
Files\MasterCard\MasterINQxx 6\Data_Credit_xx.x\User
3 xx_x equals the current version of the simulator
4 XX equals the previous version of MasterINQ.
5 XX.X equals the previous simulator version.
6 xx equals the current version of MasterINQ.

• Copies license files from C:\Program Files\MasterCard\MasterINQXX\Bin

to C:\Program Files\MasterCard\MasterINQxx\Bin
Installing the MasterCard Credit Authorization Simulator Upgrade

Use the following procedure to launch the installation process:
Step Action
1. Click the Windows Desktop Start button, and select Run.
2. Click Browse to locate the MasterCard Credit Authorization Simulator
executable file (crsimxx_x.exe).
• Select C:\* 7\crsim_sim\crsimxx_x.exe 8 if you downloaded the MasterCard
Credit Authorization Simulator applications using MasterCard OnLine®.
• Select D:\Simulator\crsimxx_x.exe if you received the MasterCard Credit
Authorization Simulator applications on CD-ROM. (If necessary, modify
the path.)
3. Select crsimxx_x.exe, and click OK to begin the MasterCard Credit
Authorization Simulator installation program. The system briefly displays the
progress indicator.
4. Click Next to continue.
5. Read the MasterCard Test Simulator Software License Agreement carefully, and
click the I accept the terms of the license agreement radio button to accept the
terms of the agreement and click Next.
6. Click Install to start copying files.
7. Click OK in the message indicating the installation of the USB Hardware
Token Device Driver.
8. Click Next.
7 * equals the directory selected by the member when downloading the file from MasterCard
Online.
8 xx_x equals the current version simulator.

Step Action
9. Click the Repair radio button.
10. Click Next.

11. Click Install.
12. Click Finish.
13. Click Finish when setup is complete.

3 Simulator Configuration
This chapter describes how members can configure, customize, and modify the
MasterCard Credit Authorization Simulator to perform advanced testing.
Configuration Options.........................................................................................3-1
Accessing Configuration Options .................................................................3-1
Test Mode Options .................................................................................3-3
Network Options ..............................................................................3-3
Timers ...............................................................................................3-5
Modifying Timer Values ...................................................................3-5
AID - FID ..........................................................................................3-6
Currency Rates ........................................................................................3-7
Adding a Currency Rate ...................................................................3-7
Modifying a Currency Rate...............................................................3-9
Deleting a Currency Rate .................................................................3-9
BIN Table ................................................................................................3-9
Crypto Keys...........................................................................................3-13
MChip Key Sets...............................................................................3-14
Adding an MChip Key Set........................................................3-15
Modifying Key Values in “MChipKeySet_User” ......................3-15
Modifying Parameters in “MChipKeySet_User”.......................3-17
Setting a M/Chip Key Set as the Default MChip Key Set .......3-18
Selecting MChip Key Logging..................................................3-18
PIN Key Sets ...................................................................................3-19
Key Exchange Process .............................................................3-19
Triple DES Encryption..............................................................3-20
Creating PIN Key Sets (User)...................................................3-21
Modifying PIN Key Sets (User) ................................................3-22
HMAC Keys.....................................................................................3-24
Creating HMAC Keys (User) ....................................................3-24
Modifying HMAC Keys (User) .................................................3-25
Deleting HMAC Keys (User) ....................................................3-26
CVC Keys ........................................................................................3-26
Creating a CVC Key Set (User) ................................................3-26
Modifying CVC Keys (User).....................................................3-27
Deleting CVC Keys (User)........................................................3-29
CVC3 Keys ......................................................................................3-29

Simulator Configuration
Creating a CVC3 Key Set (User) ..............................................3-29

Modifying CVC3 Key Values (User) ........................................3-32
Modifying Parameters in “CVC3KeySet_User”.........................3-35
Selecting the CVC3 Crypto Log................................................3-36
Deleting CVC3 Keys (User)......................................................3-37
TCP/IP ...................................................................................................3-37
Configuring the Simulator as the “Client”......................................3-37
Acquirer Table ......................................................................................3-39

3-ii July 2006 • MasterCard Credit Authorization Simulator
Configuration Options
Members may customize the MasterCard Credit Authorization Simulator to their
specific testing needs by configuring the various options described in this
section before performing advanced testing. The MasterCard Credit
Authorization Simulator saves options configured through the Set Options
function and references these defined options for simulator processing.
Options are dynamic and may be changed during testing.
Accessing Configuration Options

Members control the configuration settings by first selecting a testing mode
and then modifying the different options available in the Options dialog box.
Testing Mode
• IPS Host Testing

• APS Host Testing
Options
• Test Mode Options

• Currency Rates
• BIN Table
• Crypto Keys
• TCP/IP
• Acquirer Table
Use the following procedure to select a testing mode and to access the
simulator configuration options:

Step Action
1. Double-click the MasterCard Credit Authorization Simulator desktop icon.
2. From the Navigator pane, select a testing mode from the drop-down list.
3. Click Set Options to launch the Options dialog box.

4. Select a tab and modify the different options as needed.

Test Mode Options

From the Test Mode Options tab of the Options dialog box, members may
modify specific Network processing options, Data options and timer values.
Network Options
Use the following procedure to change the Network Options:
Step Action
1. From the Options dialog box, select the Test Mode Options tab. Jul
2006
2. Expand the Options group by clicking the corresponding plus sign.

3. Modify the network options as needed. Double-clicking a value toggles the
option on or off by changing the value to True (on) or False (off) for the
corresponding option. See Table 3.1 for details concerning Network Options.

Table 3.1—Network Options
Option Description
Treat Data Integrity Edits as Performs data integrity edit and if error found, stops
Production Format Errors 0100 message processing and sends a 0110 message
with a format error.
0800 Group Sign-On Selects Sign-on selects the active PIN key set as configured
PIN Key Set in the PIN Key set option.
Network Always Forward Ignores all errors and continues processing of 0100
Request Messages message.
Network Always Forward Ignores all errors and continues processing of 0110
Response Messages message.
Always Return DE 48 to When selected, the simulator always returns DE 48
Acquirer to the acquirer.
Show Information Messages When this option is selected, each unannounced DE
for Unannounced DE 48 48 subelement is identified in the history log file
Subelements with a message “Unannounced DE 48 subelements
are present and are being passed through the
network.”
Include Test Description into When this option is selected, the simulator writes the
Test Logs transaction description in the history log providing
an easier means of locating a specific transaction in
either the Test Monitor or Test Results component.
Issuer supports DE 48/SE 58 This option indicates that the issuer does or does not
receive DE 48, subelement 58 in 0100 and 0400
messages.
Issuer supports Refund This option indicates that the issuer can or cannot
transaction process refund transactions where the value in DE 3,
subfield 1 is equal to “20” in the 0100/110,
0120/0130, and 0400/0410 messages.
Issuer supports Balance This option indicates whether the issuer can or
Inquiry transaction cannot receive ATM Balance Inquiry transactions
where the value in DE 3, subfield 1 is equal to “30”
and DE 48, position 1 (TCC) is equal to “Z” in the
0100/0400 messages.
Acquirer supports DE 123 This option indicates that the issuer can or cannot
receive DE 123.
Acquirer supports MSI This option indicates that the acquirer can or cannot
(Maestro) acquire Maestro (MSI) branded transactions.
Acquirer supports CIR (Cirrus) This option indicates that the acquirer can or cannot
acquire Cirrus (CIR) branded transactions.

Timers
Timer values define the amount of time the simulator will wait for a response
from the host computer before the transaction “times out.” The system
automatically assigns each timer to a specific class of messages. The default
configuration has timer values that mirror production needs. The member may
adjust the timer values within the Timers option as needed.
Note Timer values are represented in milliseconds.
Modifying Timer Values
Use the following procedure to modify any of the timer values:
Step Action
1. From the Navigator pane, select the testing mode.
2. Click the Set Options icon to display the Options dialog box.
3. Select the Test Mode Options tab.
4. Expand the Data group by clicking the corresponding plus sign.
Jul
2006
5. Expand the Timers group by clicking the corresponding plus sign.

Step Action
6. Double-click a timer value to display the Edit Timer Value dialog box.
7. Type over the existing value with a new value and click OK
8. Repeat steps 5 and 6 for each timer value as needed.
9. Close the Options dialog box when finished.
AID - FID
The AID - FID data options allow the member to set the DE 32—Acquiring
Institution ID Code and DE 33—Forwarding Institution ID Code default values
for simulator processing.
Use the following procedure to set the default value for DE 32 and DE 33:
Step Action
1. From the Navigator pane, select the testing mode.
4. Expand the Network/Data group by clicking the corresponding plus sign.
Jul
2006

Step Action
5. Double-click a value to display the Edit Value dialog box.
6. Highlight and type over the value with a different value as needed.
7. Click OK.
8. Repeat steps 5 through 7 for each Data field as needed.
Currency Rates
The MasterCard Credit Authorization Simulator provides a pre-populated
currency rates table in the Options dialog box. Members typically will not
need to modify the table. However, members may add additional currency
rates or modify existing currency rate entries in the currency table as needed.
Adding a Currency Rate
Use the following procedure to add a currency rate to the Currency Rates
table:
Step Action
1. From the Navigator pane, select a testing mode.

Step Action
3. Select the Currency Rates tab to display the Currency Rates table.
4.
Click the Add a new rate button.
5. In the Add Rate dialog box, enter the appropriate values in the corresponding
fields.
6. Click Add when finished.
Members may sort and move data in the Currency Table using the following
navigational buttons:
- moves the selected group or item upward in the table
- moves the item downward one line at a time
- sorts the first column of the table in a descending order

Modifying a Currency Rate
Use the following procedure to modify a currency rate in the Currency Rates
table:
Step Action
1. From the Navigator pane, select a testing mode.
3. Select the Currency Rates tab to display the Currency Rates table.
4. Double-click an existing rate to display the Edit Rate dialog box.
5. Enter the appropriate value in the corresponding field as needed.
6. Click Change when finished.
Deleting a Currency Rate
Use the following procedure to delete a currency rate:
Step Action
1. From the Navigator pane, select Set Options.
2. Select the Currency Rates tab.
3. Click a currency to highlight the entire row.
4. Click the Delete button. Answer appropriately to a confirmation message
validating the delete action.
BIN Table
Within the Options/BIN Table pane, issuers may enter a BIN range and
indicate the following for the specified BIN account range:
• Minimum and Maximum Account Range
Indicates the minimum and maximum account ranges.
• Issuer Currency Code
Jul
The value entered does not affect any AMCC processing as of the 06.2 2006
release of the simulator. This field has been replaced by the Cardholder
Billing Currency Code field.
• Financial Network Code
The value entered here becomes the default value for Network Data
(DE 63) for the specified account range only.

• CVC1 Track Offset

The value entered indicates the beginning position of the CVC 1 Track
data.
• CVC1 Key Set
The CVC1 Key Set entered in this field references the corresponding CVC
Key Set in the Crypto Keys table for the account range indicated.
• M/Chip Key Index
The M/Chip Key Index works in conjunction with the associated account
range to provide a reference link between the corresponding M/Chip Key
in the Crypto Keys table. The M/Chip Key in the Crypto Keys table
determines the M/Chip Key Set parameters for M/Chip processing.
For example, a transaction, using a PAN that is within the account range
identified with the specific M/Chip Key Index in the BIN Table, contains
M/Chip data; the simulator compares the M/Chip Key Index for that
account range to a matching M/Chip Key in the Crypto Keys table. Once a
M/Chip Key Index match is made between the two tables, the simulator
uses the corresponding M/Chip Key Set parameters defined in the Crypto
Keys table for M/Chip processing.
• CVC3 Key Index
The CVC3 Key Index works in conjunction with the associated account
range to provide a reference link between the corresponding CVC3 Key Set
in the Crypto Keys table. The CVC3 Key Set in the Crypto Keys table
determines the CVC3 Key Set parameters for CVC3 processing.
• AVS Service Type
This indicates the AVS Service type:
− 0 = Issuer does not support
− 1 = Issuer supports full AVS address
− 2 = Issuer supports condensed 2 AVS address
− 3 = Issuer supports condensed 3 AVS address
Jul
− 4 = Issuer supports condensed 4 AVS address 2006
• AVS Only Blocking

When selected, the AVS Only Blocking option will block AVS-only
transactions.
• CVC2 Registered
Indicates if the issuer is CVC2 registered and must be defined as “yes” if
performing CVC2 testing.

• Expired Card Indicator

This selection toggles on/off a cross-edit functionality that indicates
whether a transaction containing an expired card value is forwarded on to
the issuer. If “yes” is selected, the transaction with an expired card is
forwarded to the issuer. If “no” is selected, the transaction is not
forwarded to the issuer and is returned with a format error.
Jul
• MDS Validates PIN on Behalf of Issuer
2006
When set to “yes,” this value indicates that PIN Validation will be
performed for the corresponding account range. This must be set to “yes”
when performing PIN Validation testing. The “yes” selection determines
whether the simulator populates DE 48, subfield 80 with “PI” or “PV.”
PV = The Authorization System verified the PIN.
PI = The Authorization System was unable to verify the PIN.
When this field is set to “no,” the simulator will populate DE 48, subfield
80 with “TV’ or “TI.”
TV = The Authorization System translated the PIN for issuer verification.
TI = The Authorization System was unable to translate the PIN.
• M/Chip On Behalf
When selected, the simulator performs the following M/Chip services for
the issuer.
Option Description Simulator function

00 Issuer does not participate No M/Chip On Behalf processing
performed by the simulator.
01 M/Chip to Magnetic Stripe The simulator removes DE 55—
Conversion Integrated Circuit Card (ICC) System
Related Data and DE 23—Card
Sequence Number and convert the
transaction to a magnetic stripe
transaction before sending the
authorization request to the issuer for
processing.
02 M/Chip Cryptogram The simulator will validate the
Prevalidation/Post-generation Authorization Request Cryptogram
(ARQC) and generate the Authorization
Response Cryptogram (ARPC) on
behalf of the issuer.

Option Description Simulator function Jul

2006
03 Dynamic M/Chip Stand-In The simulator will validate the ARQC,
process the authorization request, and
generate the ARPC.
Note When selecting M/Chip on Behalf of Issuer, option 03 – Dynamic M/Chip Stand-
In, issuers must select the Network performs Stand-In Processing option as well
to ensure correct simulator processing.
• AAV
When selected, the simulator performs the following Accountholder
Authentication Value (AVV) Validation services for the issuer.
Option Description Simulator function

00 Issuer does not participate No AAV validation performed by the
simulator.
05 AAV Validation Service The simulator will validate the AAV on
behalf of the issuer.
06 AAV Validation Service - The simulator will validate the AAV
Stand-In processing when the issuer is not available. This
option should be selected with the
Network performs Stand-In Processing
option.
• PWCB Option
When selected, the SBT or PBT option together with the “Network
performs Stand-In processing” option will indicate that the simulator
performs Stand-In processing for the PIN-based (PBT) or Signature-based
(SBT) Purchase With Cash Back transactions.

• Issuer Supports RPCS Jul

2006
This option indicates that the issuer supports Recurring Payment
Cancellation Service processing, which allows the issuer to specify criteria
to block recurring payment transactions identified in the authorization
messages on MasterCard cards.
• Issuer Supports HealthCare
This option indicates that the issuer supports healthcare transactions.
• Issuer Participates in PIN Management
This option indicates that the issuer participates in PIN Management. PIN
Management allows for the following to be undertaken by a MasterCard
CHIP cardholder using options available on an Automated Teller
Machine(ATM):
− PIN Change—provide the capability for a cardholder to change/update
the Personal Identification Number (PIN) on their CHIP card.
− PIN Unblock—provide the capability for a cardholder to “unblock”
their PIN after having been blocked; for example, exceeding the
maximum number of allowable unsuccessful PIN entry tries.
• Issuer Receives Settlement Amount
When set to “Yes”, the issuer will receive DE 5, DE 9 and DE 50 in U.S.
dollars.
• Cardholder Billing Currency
The value entered in this field is used to calculate DE 6 (Amount,
Cardholder Billing) allowing the issuer to settle in one currency and have
the cardholder billing transmitted in another currency.
• Network performs Stand-In Processing
When selected, the simulator stores 0100 messages for retrieval by the
issuer using a Store and Forward request.
Crypto Keys
From the Crypto Keys tab of the Options dialog box, members may define the
following cryptographic keys to be used during simulator processing:
• MChip Key Sets
• PIN Key Sets
• HMAC Key Sets
• CVC Key Sets
• CVC3 Key Sets

Note All default key sets, for any crypto key category, are displayed in red text. This
allows you to quickly identify the active default key sets.
MChip Key Sets
The MasterCard Credit Authorization Simulator provides smart card support,

allowing members to test their respective back-office and smart card systems
ensuring interoperability of the network interface in an online interchange
environment. The simulator emulates the application versions of M/Chip 2.1
and M/Chip 4.0.
Within the MasterCard Credit Authorization Simulator, members can input the
Master Keys required for various algorithms used in M/Chip data processing by
entering the appropriate values in the MChip Key Sets. The keys are
represented in Triple DES – double key format. These keys are used in
calculating ICC Master and Session keys for each transaction.
Table 3.2 indicates the Simulator M/Chip Key names and their ICC Master Key
equivalent. See the M/Chip 4 Security & Key Management manual for details
concerning ICC Master Key derivation.
Table 3.2—Simulator M/Chip Key
Simulator M/Chip Key Name Equal to… ICC Master Key

SMI MKSMI – ICC Master Key for Secure
Messaging Integrity
SMC MKSMC – ICC Master Key for Secure
Messaging Confidentiality
AC MKAC – ICC Master Key Application
Cryptogram
Within the Crypto Keys pane, the MChip Keys are defined as “Reference” and
“User.” The keys contained in the “MChipKeySet_Reference” may not be
modified by the member, as these contain the system default key values.
However, the member may copy and paste any of the groups from the
“MChipKeySet_Reference” into the “MChipKeySet_User” where the values can
be modified.
For acquirers, MasterCard sets the “MChipKeySet_Reference” with default clear

key values for the test M/Chip Keys within the simulator. The default key
components correspond with the MasterCard provided test card decks for
acquirer testing.

Issuing members provide their own test Master Key clear key components in
the “MChipKeySet_User” category of the Crypto Key Sets pane.
Adding an MChip Key Set
Use the following procedure to add a new MChip Key Set to the
“MChipKeySet_User” category:
Step Action
2. In the Options dialog box, click the Crypto Keys tab.
3. Click on a key set in the MChipKeySet_User group.
4.
Click the Add new group button.
5. Enter an M/Chip Key Set Index value and a description.

6. Click OK when finished.
Modifying Key Values in “MChipKeySet_User”
Use the following procedure to modify key values of a key set in the
Step Action
1. From the Crypto Keys pane, expand an MChip Key Set by clicking the
corresponding plus sign.
2. Double-click a key value to modify it.

Step Action
3. From the Key Data Wizard, select the number of key components by clicking
the corresponding radio button.
Members may select the “Enforce Odd Parity” option if their hardware security
module (HSM) requires odd parity.
4. Click Next.
5. In the Key Components dialog box, type a clear key component in each
component field.
Members should not use production keys in the MasterCard Credit
6. Click OK.
7. Repeat Steps 2 through 6 for each key as needed.
Table 3.3 describes the parameters that are available in the PARMS folder:

Table 3.3—PARMS
Parameter Description
Application Selection specifies the application version used in cryptographic
calculation/validation.
Crypto Selection specifies the data format used in cryptographic
calculation/validation.
Default Set the Group ID with the corresponding M/Chip Keys and
parameters as the default for smart card processing within the
simulator.
MIT Crypt Logging Toggles on or off the MIT Crypt Log. This log records
information about the smart card interim cryptographic
calculations.
APS Validations Toggles on or off the validation of specific acquirer
cryptographic calculations.
Modifying Parameters in “MChipKeySet_User”
Use the following procedure to modify parameters of an MChip Key Set in

Step Action
2. Expand Parms by clicking the corresponding plus sign.
3. Double-click Applications or Crypto to modify as needed.
4. Select a Crypto Type by clicking the corresponding radio button.
5. Click Next.

Step Action
6. Select the Application Type and click OK.
Setting a M/Chip Key Set as the Default MChip Key Set
Use the following procedure to set an MChip Key Set with the associated
MChip keys and parameters as the default for simulator M/Chip processing:
Step Action
3. If the Default Value field is set to “No,” double-click the value to change the
value to “Yes.”
Note You may not toggle a selected Default Value of “Yes” back to “No.” The
Default Value will need to be changed in another M/Chip Key Set to set all
other M/Chip Key Set Default values to “No” as only one M/Chip Key Set may
be set to be the default at one time.
Selecting MChip Key Logging
Members may select the creation of a text log file that records information
about the smart card interim cryptographic calculations. This text log is
located in the main simulator directory, Credit xx_x\BIN. When selected; the
simulator appends the data to the M/Chip Crypto log. The default name for
the log is “destrace.txt.”

Use the following procedure to select the creation of a simulator M/Chip

processing log file:
Step Action
1. From the Crypto Keys pane, expand an M/Chip Key Set by clicking the
3. Double-click the M/Chip Crypto Log value to select/deselect creation of an
M/Chip processing log file for that specific M/Chip Key Set.
PIN Key Sets
Within the MasterCard Credit Authorization Simulator, members can control the
key encryption key (KEK) (also known as the communication key) definition
by entering the appropriate value in the PIN Key Set table located in the
Options dialog box. Members may define PIN Key sets for multiple Group
IDs.
For online testing with the MasterCard Test Facility (MTF), MasterCard and the
member exchange the clear key used to create the communication key. Each
clear key is 16 hexadecimal digits with odd parity on each pair of digits. The
communication key is created by the clear key components being “Exclusive
OR’ed” (XOR’d) together creating the communication key in its clear text
value. The clear text value indicates that the key is unencrypted.
Note The value entered in DE 2 of the Network Management Request/0800 sign-in

message (DE 70 = 061) activates the corresponding PIN Key Set in the simulator.
Key Exchange Process
For MasterCard Credit Authorization Simulator testing, the member provides up

to three clear key components per key to Exclusive OR to create the Key
Encryption Key value. The members are then not dependent on the
MasterCard clear key to create the simulators communication key. The
following example illustrates the key components XORed for Single DES
encryption.

Note 0123456789ABCDEF (first clear key component)

XOR’d with,
0E4FEF5BCB257AB6 (second clear key component)
equals,
0F6CAA3C428EB759 (Encryption Key value)
Note The simulator automatically XORs key components that are entered by the
member, thus eliminating the need to XOR key components manually. See
Creating PIN Key Sets (User) for more information.
The key encryption key (KEK) value is used to encrypt the PIN Encryption Key
(PEK) (also known as the working key) when sent in a Network Management
Request/0800 dynamic key exchange message. MasterCard recommends that
members use the default value for the PIN Encryption Key.
Triple DES Encryption
The MasterCard Credit Authorization Simulator supports Triple Data Encryption

Standard (DES) for PIN encryption processing.
Triple DES encryption helps to reduce fraud losses by making it more difficult
for criminals to decrypt cardholder information such as PINs. The Triple DES
approach uses three passes through the DES algorithm. By increasing the
number of passes through the DES algorithm and increasing the number of bits
(key size) used in encryption, the resulting data is more difficult to decipher.
The Triple DES encryption affects both acquirers and issuers.
Members will have the option to encrypt PIN information using the single DES
key algorithm or a triple DES key algorithm with double- or triple-length keys.
Within the MasterCard Credit Authorization Simulator, members can define the
type of encryption method by entering the appropriate value(s) in the Crypto
Keys of the Options dialog box.
As with Single DES, Triple DES uses the KEK key to encrypt the PEK key in
the Network Management Request/0800 (Class 1) key exchange message and
uses the PEK key to encrypt the ANSI PIN Block in a PIN based transaction.
The Triple DES algorithm used is encryption-decryption-encryption and the

key encryption mode used is Electronic Codebook (ECB).

MasterCard provides pre-defined Reference PIN Key Sets that act as the default
key sets. Members may not modify the Reference PIN Key Sets but may create
and modify User PIN Key Sets by following the steps below.
Creating PIN Key Sets (User)
Use the following procedure to create a PIN Key Set in the User category:
Step Action
1. From the Navigator pane, click Set Options.
3. Select any group in the PINKeySet_User category.

4. Click the Adds a new Group button.
5. In the Add Group dialog box, enter a Group ID and description.

6. Click Next.
Note: Members may not create or modify values contained in the
PINKeySet_Reference as these are the simulator default key sets. However,
members may create and modify PIN Key Sets in the PIN KeySet_User for
multiple Group IDs.

Step Action
7. Select the DES type by clicking a corresponding radio button.
8. Select the Variant type by clicking the corresponding radio button.

9. Click OK.
Modifying PIN Key Sets (User)
Use the following procedure to modify a PIN Key Set in the User category:
Step Action
MasterCard recommends that members use the default value(s) for the PIN
Encryption Key for simulator testing.
3. Expand a PIN Key set by clicking the corresponding plus sign to display the
key parameters associated with that group.
4. Expand the KEK key parameters.

Step Action
5. Double-click a key to launch the Key Data Wizard.
6. Select the number of key components by clicking the corresponding radio

button.
7. Click Next.
8. In the Key Components dialog box, type a clear key component in a
component field.
Members should not use production keys in the MasterCard Credit
9. Click OK.
10. Repeat steps 5 through 9 for each key.

HMAC Keys
A message authentication code (MAC) is a symmetric cryptographic

transformation of data that protects the sender and the recipient of the data
against forgery by third parties. HMAC is a construction of message
authentication schemes based on a cryptographic hash function.
Within the simulator, members may create HMAC key sets to support the
MasterCard® SecureCode™ Accountholder Authentication Value (AAV)
Verification Service.
Creating HMAC Keys (User)
Use the following procedure to create a HMAC Key Set in the User category:
Step Action
1. Within the Options dialog box, select the Crypto Keys tab.
2. Click any User category HMAC Key group.
3.
Click the Adds a new group button.
4. In the Add new HMAC key dialog box, enter a key identifier and description.
5. Click OK. By default the simulator creates all sixteen keys with the same key
value.

Step Action
6. Double-click any HMAC key to launch the Edit HMAC Key dialog box. From
here you may edit a range of keys or a single key.
7 Enter a Minimal or Maximal BKI value as needed.

8. Enter the key value in the HMAC Key field.
9. Click Change.
Modifying HMAC Keys (User)
Use the following procedure to modify HMAC Keys in the User category:
Step Action
2. Expand any HMAC Key User category group.
3. Double-click a key to display the Edit HMAC Key dialog box.
4. Enter a Minimal BKI value and/or a Maximal BKI value.

Note: To modify a single key value, enter the same BKI value in both the
Minimal and Maximal BKI value fields. To modify a range of keys, enter
different values in the Minimal and Maximal BKI value fields.
5. Enter the HMAC Key value and click Change.

Deleting HMAC Keys (User)
Use the following procedure to delete a HMAC Key set in the User category:
Step Action
2. Click any HMAC Key User category group.
3. Click Delete.
4. Answer appropriately to a confirmation message validating the delete action.
CVC Keys
The card validation code is a two-part security feature identified as CVC 1 and
CVC 2. Within the simulator, members may use the CVC Key Set feature in the
Options dialog box to calculate the CVC using the data encryption standard
(DES) method. From the Crypto Keys tab, members may create CVC keys in a
user category for use in CVC calculation within the simulator.
MasterCard provides pre-defined Reference category CVC Keys that act as the
system default key sets. Members may not modify the Reference Keys but may
create and modify User Keys by following the steps below.
Creating a CVC Key Set (User)
Use the following procedure to create a CVC Key Set in the User category:
Step Action
2. Click any User category CVC Key group.
3.
Click the Add group button.
4. In the Add new CVC2 key dialog box, enter a Key Index and description.

Step Action
5. Click Next.
6. Click OK.
Modifying CVC Keys (User)
Use the following procedure to modify a CVC Key Set in the User category:
Step Action
3. Expand a CVC Key Set by clicking the corresponding plus sign to display the
4. Expand the key parameters.

Step Action

button.
7. Click Next.
8. In the Key Components dialog box, type a clear key component in the
component field.
9. Click OK.

Deleting CVC Keys (User)
Use the following procedure to delete a CVC Key set in the User category:
Step Action
1. From the Navigator pane, click Set Options.
3. Expand the CVCKeySet_User group by clicking the corresponding plus sign.
4. Click a CVC Key Set group to highlight the row.
5.
Click the Delete button. Answer appropriately to a confirmation message
CVC3 Keys
MasterCard provides pre-defined Reference category CVC3 Keys that act as the
system default key sets. Members cannot modify the Reference category keys
but may create and modify User category keys by following the steps below.
Creating a CVC3 Key Set (User)
Use the following procedure to create a CVC3 Key set in the User category:
Step Action

Step Action
3. Click on the CVC3KeySet_User category icon.
4.
Click the Adds a new group toolbar button.
5. In the Add CVC3 Key Index dialog box, enter a Key Index and description.
6. Click OK.
7. Expand the newly created CVC3 Key Set and the corresponding IMK group.

Step Action

button.
10. Click Next.
11. In the Key Components dialog box, type a clear key component in the
component field.
12. Click OK.


Modifying CVC3 Key Values (User)
Use the following procedure to modify a CVC3 Key in the User category:
Step Action
3. Expand a CVC3 Key Set by clicking the corresponding plus sign to display the
4. Expand the key parameters.
button.
7. In the Key Components dialog box, type the clear key components in the
component fields.
8. Click OK.
Table 3.4 describes the parameters that are available in the CVC3 PARMS
folder:
Table 3.4—CVC3 PARMS
CVC3 Crypto Log Toggles on or off the CVC3 Crypto Log. This log records
information about the CVC3 cryptographic calculations.
Position of PAN Indicates the position of the PAN sequence number in the
Sequence Number discretionary data of the Track 1 or Track 2 data.
Length of Indicates the length of the Track 1 or track 2 discretionary data.
Discretionary Data The DD length for Track 1 cannot exceed 24 bytes. The DD
length for Track 2 cannot exceed 13 bytes.
Length of ATC Indicates the length of the Application Transaction Counter
(ATC) in the discretionary data. When the card expiration date
is valid for 2 years or less the minimal length of the ATC is 3
digits. When the card expiration date is valid for more than 2
years, the minimal length of the ATC is 4 digits.
Position of ATC Indicates the position of the Application Transaction Counter
(ATC) in the discretionary data. The position is determined as
shown in the examples below.

Length of UN Indicates the length of the unpredictable number (UN) in the
discretionary data.
Position of UN Indicates the position of the unpredictable number (UN) in the
discretionary data. The position is determined as shown in the
examples below.
Length of CVC3 Indicates the length of the CVC3 in the discretionary data.
Position of CVC3 Indicates the position of CVC3 in the discretionary data. The
position is determined as shown in the example below.
The CVC3 Parameters may be defined for both Track 1 and Track 2 data.
Figure 3.1—Examples of the position values in DD of Track 1
The CVC3 for a length of 3 in Track 1 DD is located in “20, 21, 22.” The value
“22” should be entered as the Position of CVC3.
484746454443424140393837363534333231302928272625 242322212019181716151413121110 9 8 7 6 5 4 3 2 1
PCVC3TRACK1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
The ATC for a length of 3 in Track 1 DD is located in “14, 15, 16” and the UN
for a length of 3 is located in “06, 07, 08”. The value ‘16’ should be entered as
the Position of ATC; the value “08” should be entered as the Position of UN.
484746454443424140393837363534333231302928272625242322212019181716151413121110 9 8 7 6 5 4 3 2 1
PUNATCTRACK1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 1 1 1 0 0 0 0 0
The position of the PAN Sequence Number in Track 1 DD in this example is

‘00’ since the PAN Sequence Number is not included
484746454443424140393837363534333231302928272625242322212019181716151413121110 9 8 7 6 5 4 3 2 1
PPSEQTRACK1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1
DD x x C3 C2 C1 x x x A3 A2 A1 x x x x x U3 U2 U1 x x x x nUN
Figure 3.2—Examples of the position values in DD of Track 2
The CVC3 for a length of 3 in Track 2 DD is located in “02, 03, 04.” The value
“04” should be entered as the Position of CVC3.
16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1
PCVC3TRACK2 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0
The ATC for a length of 3 in Track 2 DD is located in “10, 11, 12” and the UN
for a length of 3 is located in “05, 06, 07”’. The value ‘12’ should be entered as
the Position of ATC; the value “07” should be entered as the Position of UN.
1615 14 13 12 11 10 9 8 7 6 5 4 3 2 1
PUNATCTRACK2 0 0 0 0 1 1 1 0 0 1 1 1 0 0 0 0
The position of the PAN Sequence Number in Track 2 DD in this example is

‘00’ since there PAN Sequence Number is not included.
16151413121110 9 8 7 6 5 4 3 2 1
PPSEQTRACK2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
13 12 11 10 9 8 7 6 5 4 3 2 1
DD x A3 A2 A1 x x U3 U2 U1 x x x nUN

Modifying Parameters in “CVC3KeySet_User”
Use the following procedure to modify parameters of a CVC3 Key Set in the
“CVC3KeySet_User” category:
Step Action
1. From the Crypto Key Set pane, expand a CVC3 Key Set by clicking the
3. Right-click either the Track 1 or Track 2 folder. The procedure is the same for
modifying either track data.
4. Select Edit Track Data.

Step Action
5. Highlight and type over the values in the left-side column with the new data as
needed.
The right column displays the values in HEX format for reference only.
6. Click OK.
Selecting the CVC3 Crypto Log
Members may select the creation of a text log file that records information
about the CVC3 cryptographic calculations. This text log is located in the main
simulator directory, MasterINQxxx\Bin. When selected, the simulator appends
the data to the Crypto log.
Use the following procedure to select the creation of a simulator CVC3

processing log file:
Step Action
1. From the Crypto Key Set pane, expand a CVC3 Key Set by clicking the
2. Expand PARMS by clicking the corresponding plus sign.
3. Double-click the CVC3 Crypto Log value to select/deselect creation of an
processing log file for that specific CVC3 Key Set.

Deleting CVC3 Keys (User)
Use the following procedure to delete a CVC3 Key set in the User category:
Step Action
3. Click a CVC3 Key Set to highlight the row.
4.
TCP/IP
The MasterCard Credit Authorization Simulator is configured by default as a
server. When a test mode is selected, the simulator waits for a connection to
the specified Port (6034) which is the standard TCP/IP configuration found on
the MasterCard interface processor (MIP). The simulator will wait in an active
listening mode until the connection request is initiated by the host system.
For those members whose host system requires that it be the server, the
simulator may be configured as the “client.” The TCP/IP tab is available only
when the IPS or the APS Test mode is selected.
Configuring the Simulator as the “Client”
Use the following procedure to configure the simulator as the “client”:
Step Action
1. Set a testing mode.
2. From the Options dialog box, select the TCP/IP tab.

Step Action
3. Click the Client radio button in the Choose connection section.
4. Enter a Port number if needed.

5. Enter an IP address in the IP field
6. Click Apply when finished.
7. Close the Options dialog box.
Note If the connection between the host system and the simulator is broken, the
simulator will not automatically re-connect. The member will need to select a
testing mode in the simulator to initiate the connection request.

Acquirer Table
Acquirers add their own Acquirer IDs and specific option choices in the “User”
category of the Acquirer Table. Typically this is a one time setup and once it
is completed, acquirers update the Acquirers Table only as needed.
Within the Acquirer Table dialog box, members may configure the following
options for their specific Acquirer ID(s):
• Acquirer Country Code
The value entered in this field, in conjunction with the value of the Issuer
Country Code determines the value in DE 63—Network Data, subfield 2.
• Forwarding Institution ID code DE 33 Jul
2006
When this option is set in combination with the Acquirer Receives
Settlement Amount, DE 32 (Acquirer ID) and DE 33 (Forwarding Institution
ID) will decide if the acquirer receives the settlement amounts (DE 5, DE 9,
and DE 50). If this option is not set, then the value in DE 32 determines
whether the acquirer receives DE 5, DE 9, and DE 50.
• Acquirer supports Chip Partial Grade
This option indicates if the acquirer supports Chip Partial Grade.
Similar to Full Grade authorization requests, Partial Grade acquiring
provides information to indicate to issuers that card data was read from the
smart card. However, in Partial Grade acquiring, not all the required chip
subelements are present. Refer to the M/Chip Functional Architecture for
Debit and Credit manual for additional information about Chip Partial
Grade.
• Electronic Acceptance
This option indicates the acquirer’s type of participation in MasterCard
Electronic (MCE).
Jul
• Acquirer Supports PIN Management 2006
When set to “Yes”, the combination of the Acquirer Support PIN

Management option and DE 33 (Forwarding Institution ID Code)
determines if the acquirer is qualified to support PIN management.
• Acquirer Receives Settlement Amount
When this option is set to “Yes”, the acquirer will receive the settlement
amount related data elements.

4 Issuer Testing
This chapter details how issuing members perform standard and specialized
simulator testing.
Standard Issuer Testing .......................................................................................4-1

Setting the IPS Host Test Mode ....................................................................4-1
Configuring the Simulator.............................................................................4-2
Modifying “Reference” Card Profiles......................................................4-3
Adding BIN Ranges.................................................................................4-5
Modifying a BIN Range ....................................................................4-7
Deleting a BIN Range.......................................................................4-7
Managing the History Log.............................................................................4-7
Default Log Database .............................................................................4-7
Clear Log .................................................................................................4-8
Compact Log ...........................................................................................4-8
Starting an Issuer Test Session....................................................................4-10
Stopping a Test Session ..............................................................................4-11
Viewing the Test Session ............................................................................4-11
Viewing Test Results ...................................................................................4-12
Table View ............................................................................................4-13
Parsed Message Detail View.................................................................4-14
Key Data View ......................................................................................4-15
Log Display Icons .................................................................................4-16
Filtering the Test Results View .............................................................4-17
Select Messages.....................................................................................4-19
Generating a History Log as a Text File ..............................................4-20

PIN Key Sets................................................................................................4-24
MChip Key Sets ...........................................................................................4-27
M/Chip Crypto Log ...............................................................................4-29
“User” Category Card Profiles.....................................................................4-31
Creating “User” Category Card Profiles................................................4-31
Entering Additional or ICC Related Data in a Card Profile...........4-34
Modifying “User” Category Card Profiles.............................................4-36
Deleting a “User” Category Card Profile..............................................4-38

Issuer Testing
“User” Category Merchant Profiles .............................................................4-38

Creating “User” Category Merchant Profiles ........................................4-38
Modifying “User” Category Merchant Profiles .....................................4-41
Deleting “User” Category Merchant Profiles........................................4-41
Creating a Transaction File .........................................................................4-41
Modifying a Transaction .............................................................................4-43
Selecting and Viewing a Transaction ...................................................4-43
Adding a Data Element to a Transaction .............................................4-44
Changing a Data Element Value in a Transaction...............................4-46
Deleting a Data Element from a Transaction ......................................4-46
Changing a Card or Merchant Profile in a Transaction.......................4-47
Search and Replace Card and Merchant Profiles.................................4-47
Changing the Order of Transactions in a Transaction File .................4-52
Copying and Pasting Transactions .......................................................4-52
Deleting Transactions ...........................................................................4-53
Adding Control Instructions........................................................................4-53
Adding an Instruction to Set a Future Settlement Date in the
Simulator ...............................................................................................4-54
Network Response Profiles.........................................................................4-56
Creating “User” Category Network Response Profiles ........................4-56
Entering Network Response Profile Data ............................................4-58
Network Response Profile Wildcard Match .........................................4-60

4-ii July 2006 • MasterCard Credit Authorization Simulator
Issuer Testing
Standard Issuer Testing

With the MasterCard Credit Authorization Simulator, standard issuer testing is
simple and easy to perform. For standard simulator issuer testing, issuers:
• Set the IPS Host Test Mode and establish a communications connection to
the member host
• Configure the simulator
• Open a MasterCard provided transaction file and start a test session
• Analyze the test results
• Manage the Test Results History Log
• Send the Test Results History Log to MasterCard
MasterCard provides pre-defined simulator transaction files that contain testing

criteria for MasterCard mandated testing. The transaction files are located in
the Data folder of the simulator application (C:\Program
Files\MasterCard\Credit ##_# 1\Data). Issuer test transaction files are in the
form of .tri files. Members do not need to modify the MasterCard provided
transaction files before testing. However, issuers may create custom
transaction files for any type of internal testing they are conducting. See
Creating a Transaction File for details.
Setting the IPS Host Test Mode

Use the following procedure to set the Issuer Processing System (IPS) host
testing mode and establish a communications connection to the member host:
Step Action
1. Double-click the MasterCard Simulators folder on the PC desktop.
application.
1 “##_#” Equals the current version of the simulator.

Issuer Testing
Step Action
3. In the Navigator pane from the Testing tab, select IPS Host Testing from the
drop-down list. The testing status indicator displays “Connecting” until the
connection to the member host completes, then the status changes to
“Connected.”
The simulator is now prepared to send Authorization Request/0100 messages

to the member host.
Configuring the Simulator

Before testing, issuers need to configure the following:
• Card Profiles – “Reference” category
• BIN Table – “User” category
Issuers modify the “Reference” category Card Profiles with their specific card
information, and in the BIN Table, add their own account ranges in the “User”
category. Refer to Chapter 1 for details concerning “Reference” and “User”
categories. Typically this is a one time setup and once it is completed, issuers
update the Card Profiles and the BIN Table only as needed.

Issuer Testing
Modifying “Reference” Card Profiles

The Card Profiles contains a “Reference” and a “User” category. The
“Reference” Card Profiles are the only “Reference” profiles that members may
modify. All other “Reference” profiles can not be modified by the member but
may be copied and pasted into the corresponding “User” profile as a template.
Although members add their specific card information to the profiles, they may
not delete or rename the “Reference” Card Profiles.
Use the following procedure to modify the “Reference” Card Profiles:
Step Action
1. Set the IPS Host Testing mode.
2. From the Navigator pane, click Test Preparation.
3. Click the Card Profiles tab.
4. In the CardProfiles_Reference category, expand a Group by clicking the
Jul
2006

Issuer Testing
Step Action
5. Right-click a Card Profile and select Edit Node to launch the Edit Card Profile
dialog box.
6. From the Typical Data tab, highlight the PAN and enter the appropriate value.
This field is required for the Card Profile.
7. Modify remaining data as needed within the Typical Data pane.
8. Click the Track Data, Additional Data, or ICC Related Data tab and modify the
data as needed.
9.
Use the arrow buttons to navigate to the other profiles in the list.
10. Repeat steps 5 through 8 for each profile.

Issuer Testing
Adding BIN Ranges

The BIN Table contains a “Reference” and a “User” category. The “Reference”
category may not be modified. Issuers need to add their account ranges to the
BIN Table in the “User” category to be referenced during simulator processing.
Use the following procedure to add BIN ranges to the BIN Table:
Step Action
2. Within the Options dialog box, click the BIN Table tab.
3. Click the BinTable_User category icon.

4.
Click the Add New Bin Range button.

Issuer Testing
Step Action
5. In the Add BIN Range dialog box, enter all appropriate data.
Jul
2006
6. Click Add when finished.

The BIN Range is added to the BinTable_User category.
See Chapter 3 for details concerning the options available within the Add BIN
Range dialog box.

Issuer Testing
Modifying a BIN Range
Use the following procedure to modify a User category BIN Range.
Step Action
1. In the Options dialog box, select the BIN Table tab.
2. In the BinTable_User, right-click an account range and select Edit Node to
launch the Edit Bin Range dialog box.
3. Modify the fields as needed.
4. Click Change when finished.
Deleting a BIN Range
Use the following procedure to delete a BIN range from the BIN Table.
Step Action
1. In the Options dialog box, select the BIN Table tab.
2. Select a row in the BIN Table.
3.
Managing the History Log

The MasterCard Credit Authorization Simulator records the details of every
transaction in a test session to a history log. This history log, while viewable
from both the Test Monitor and Test Results modules, may be managed only
through the Test Results module.
Default Log Database

The simulator’s active history log is written to a default database (log.mdb).
Members may not change the path of the default log.mdb file or database
name. The simulator creates or opens the default log.mdb database each time
the simulator is started. However, members may save the history log as a
separate log file that is independent of the default database or the active test
session.
Note Members may clear the default log at any time or allow the test data to append
to the log.

Issuer Testing
For example, a member saves the log with the name “AMCC Test June 2006”
and either clears the default log before continuing testing or allows the test
data to append to the default log when testing is resumed. After the next
testing session is complete, the member may save the history log as a new file
using the Save As feature. Members may repeat the process as frequently as
needed. The saved logs are separate from the default log and will not be
modified by continued testing within the simulator. These saved logs may
then be forwarded to MasterCard for error troubleshooting or testing
validation.
Note The saved logs may be viewed through the View Archived Test Log feature
Clear Log
The Clear log function allows the member to reset or clear all entries in the
history log for the selected log. This action may not be reversed.
Use the following procedure to clear the history log:
Step Action
1. From the Test Results window, select File/Clear Log.
2. Answer appropriately to a confirmation message validating the clear action.
This action may not be reversed.
Compact Log
Members may compact a history log database through a Compact Log option
available in the Test Results module. Members may use the Compact Log
option only on closed history logs. An open log may not be compacted.
Members may compact a saved history log through the Test Results module
while in the APS Host Testing, IPS Host Testing, or View Archived Test Log
mode.
Use the following procedure to compact a history log:
Step Action
1. Select a Host Testing mode or the View Archived Test Log mode from the
Navigator pane drop-down list.
2. Click the Test Results or the View Archived Logs button in the Navigator pane.
3. From the File menu, select Compact Log.

Issuer Testing
Step Action
4. In the Select File dialog box, select a log file name (*.mdb) and click Open.
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2006
5. In the Compact Log dialog box, click OK when the compact is complete.
Note The saved log file is automatically compacted when a history log file is saved as
another file name using the File/Save As option.

Issuer Testing
Starting an Issuer Test Session

Issuers use the Test Monitor module of the MasterCard Credit Authorization
Simulator to originate transactions for issuer testing. To perform issuer testing,
the Test Monitor will send transactions from a transaction file to the member
host. The simulator will then validate the response message from the member
host. The Test Monitor displays the messages it sends or receives.
If the received response message contains errors, the error is flagged by an

error icon with corresponding detail information. Additionally, the simulator
will originate a rejection message for the invalid response message received
from the host.
To assist members with the testing process, MasterCard provides test

transaction files for specific testing scenarios. The test transaction files are
located in the Data folder of the simulator application (C:\Program
Files\MasterCard\Credit #_# 2\Data). Issuer transaction files are in the form of
.tri files.
When the testing mode is set, use the following procedure to begin issuer host
testing:
Step Action
1. From the Navigator pane, select Test Monitor.
2. From the File menu, select Open Transaction File if needed.
3. Select a transaction file (e.g. Transaction Files_Issuer Testing.tri]) and click
Open.
2 “#_#” Equals the current version of the simulator.

Issuer Testing
Step Action
4. Click an individual transaction or a group folder to select all transactions
within the folder for testing.
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2006
5.
Click the Run Test button to start testing.
6. Repeat steps 4 and 5 for each group as needed.
Stopping a Test Session
With a transaction file running in the Test Monitor window, click the Stop
Test button to stop testing the active transaction file.
Viewing the Test Session

Within the lower pane of the Test Monitor window, members may see the
active test session Figure 4.1.

Issuer Testing
Figure 4.1—Test Monitor Test Session

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2006
Viewing Test Results

The simulator records the details of every transaction in a test session to a
History Log. The Test Results module allows members to view and analyze
their test results quickly and easily by displaying the History Log. Members
may select from display options that provide the test result details of the
History Log in three different formats:
• Table View
• Parsed Message Detail View (default)
• Key Data View
Using the Test Results module, members can review the History Log which
records details of every transaction sent between the member host and the
Test Monitor module providing a data element by data element view of the
transaction.

Issuer Testing
Table View
The Table view displays all transactions in a single pane with minimal detail
indicating the message flow, information, warnings, and errors for the test
session (Figure 4.2).
Figure 4.2—Table View

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2006

Issuer Testing
Parsed Message Detail View

The Parsed Message Detail (default) view displays all transactions in two panes
with maximum detail indicating the message flow, information, warnings and
errors for the test session as well as data element and subelement detail
(Figure 4.3).
Figure 4.3—Parsed Message Detail View

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2006

Issuer Testing
Key Data View

The Key Data view displays all transactions in three panes with maximum
detail indicating the message flow, information, warnings, and errors for the
test session, data element and subelement detail and key data detail to assist in
message identification (Figure 4.4).
Figure 4.4—Key Data View

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2006

Issuer Testing
After running a test session, use the following procedure to view the test in the
Test Results window:
Step Action
1. From the Navigator pane, select Test Results.
2. Select a view by clicking a corresponding toolbar button.
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2006
Log Display Icons

The History Log is viewable in both the Test Monitor and Test Results
windows. Each log record has an accompanying icon indicating the type or
action of the log record. Table 4.1 displays each icon and its description.
Table 4.1—History Log Icons
Icon Description
Information
Error
Warning
Jul
Transaction created by Network Performs Stand-In mode
2006

Issuer Testing
Icon Description
Message sent by the acquirer APS
Message received on the network NTW from the acquirer APS
Message sent from the network NTW to the issuer IPS
Message received on the issuer IPS
Message sent by the issuer IPS
Message received on the network NTW from the issuer IPS
Message sent from the network NTW to the acquirer APS
Message received on acquirer APS
Refining the Test Results View

If a transaction file contains a large number of transactions, it can be difficult
to locate a particular transaction within the history log. In addition, a member
reviewing the test results may need to concentrate on specific transaction
types. The Test Results module provides two features, Filter and Select
Messages that assist members in creating a customized view of the test results.
Filtering the Test Results View

Use the following procedure to filter the Test Results view:
Step Action
1.
From the Test Results window, click the Filter button.

Issuer Testing
Step Action
2. From the Filter dialog box, select a pre-defined filter option from the drop-
down list or select/deselect the individual options by clicking the
corresponding check box.
3. Click OK once a filter is selected.
The filter selection is effective immediately and may be altered at any time.
Note Options may be modified in the Predefined filters by clicking a check box to
toggle on/off an option. By reselecting the predefined filter, members may
reset the default options of the predefined filter.

Issuer Testing
Select Messages
Use the following procedure to use the Select Messages option:
Step Action
1.
From the Test Results window, click the Select Messages button.
2. From the Select Messages dialog box, click the Select the messages fulfilling
following condition radio button.
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2006
3. Enter the appropriate matching criteria in the corresponding field. Wildcards

“*” and “?” may be used in the criteria fields.
4. Click OK when selection is complete.
When using the Select Messages function, the member can use the asterisk
character (*) as a “wildcard” to match any value for the specified field or the
question mark character (?) to match a single character value. With the entry
of these wildcard characters, in the Like field of the Select Messages dialog
box, the Test Results module will match any value in a message provided a
value does exist and highlight the corresponding message(s).
Within the log, only the messages containing the matching criteria are
highlighted. When used to navigate through the log, the arrow buttons
navigate to only those highlighted messages. The message selection view is
effective immediately and may be altered at any time.

Issuer Testing
Generating a History Log as a Text File

Members may generate the current history log or a saved log as a text file to
be used as import data to the MasterCard Clearing and Presentment Simulator.
See the MasterCard Clearing Presentment Simulator Guide for details
concerning the importing of an authorization text file to the MCPS Simulator.
Step Action
1. From the Navigator pane, select a Test Mode or the View Archived Test Logs.
2. If viewing Archived Log Files, select a file and click Open.
3.
From the Test Results module, click the Generate text file button.
4. Click OK.
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2006
5. The text file opens automatically in Notepad. Click Save As and enter a
unique name for the text file and select a directory if you need to change the
file name and/or location.
6. Click Save.
Note The default location of the generated text file is C:\Program

Files\MasterCard\Credit xx_x 3\data.
3 “xx_x” equals the current version of the simulator.

Issuer Testing
Advanced Options and Specialized Testing

The MasterCard Credit Authorization Simulator may be customized and used to
test member specific testing scenarios. Members may:
• Customize options
• Create “User” category Card and Merchant Profiles
• Create and modify transaction files
Setting Network Options

modify specific Network processing options.
Network options allow members to customize the simulator for the following:
• Perform data integrity edit and if error found, stops 0100 message
processing and sends a 0110 message with a format error
• Sign-on selects the active PIN key set as configured in the PIN Key set
option
• Ignore all errors and continues processing of 0100 message
• Always return DE 48 to the acquirer
• Log zero length messages
• Show information messages for unannounced DE 48 subelements
• Include Test Description into Test Logs
Jul
• Issuer supports DE 48/SE 58 2006
• Issuer supports Refund transaction

• Issuer supports Balance Inquiry transaction
• Acquirer supports DE 123
• Acquirer supports MSI (Maestro)
• Acquirer supports CIR (Cirrus)

Issuer Testing
Use the following procedure to set Network Options:
Step Action
1. From the Navigator pane, select a Testing Mode from the drop-down list.
2. Select Set Options.
Jul
2006

corresponding option.
Table 4.2 describes the Network Options and their function.
Option Description
Treat Data Integrity Edits as Production Performs data integrity edit and if error
Format Errors found, stops 0100 message processing and
sends a 0110 message with a format error.
0800 Group Sign-On Selects PIN Key Set Sign-on selects the active PIN key set as
configured in the PIN Key set option.
Network Always Forward Request Ignores all errors and continues processing
Messages of 0100 message.
Network Always Forward Response Ignores all errors and continues processing

Issuer Testing
Option Description
Always Return DE 48 to Acquirer When selected, the simulator always
returns DE 48 to the acquirer.
Logging of Zero Length Messages When selected, this option allows the
logging of zero length messages to the
simulator’s history log, which members
may view in either the Test Monitor or Test
Results module.
Show Information Messages for When this option is selected, each
Unannounced DE 48 Subelements unannounced DE 48 subelement is
identified in the history log file with a
message “Unannounced DE 48
subelements are present and are being
passed through the network.”
Include Test description into Test Logs When this option is selected, the simulator
writes the transaction description in the
history log providing an easier means of
locating a specific transaction in either the
Test Monitor or Test Results component.
Jul
Issuer supports DE 48/SE 58 This option indicates that the issuer does
2006
or does not receive DE 48, subelement 58
in 0100 and 0400 messages.
Issuer supports Refund transaction This option indicates that the issuer can or
cannot process refund transactions where
the value in DE 3, subfield 1 is equal to
“20” in the 0100/110, 0120/0130, and
0400/0410 messages.
Issuer supports Balance Inquiry This option indicates whether the issuer
transaction can or cannot receive ATM Balance Inquiry
transactions where the value in DE 3,
subfield 1 is equal to “30” and DE 48,
position 1 (TCC) is equal to “Z” in the
0100/0400 messages.
Acquirer supports DE 123 This option indicates that the issuer can or
cannot receive DE 123.
Acquirer supports MSI (Maestro) This option indicates that the acquirer can
or cannot acquire Maestro (MSI) branded
transactions.
Acquirer supports CIR (Cirrus) This option indicates that the acquirer can
or cannot acquire Cirrus (CIR) branded
transactions.

Issuer Testing
PIN Key Sets

The PIN Key Sets are separated into a “Reference” and a “User” category.
Members may not modify the “Reference” category which contains default
values. However, members may create “User” PIN Key Sets to enter their own
keys. The PIN Key Sets are referenced by the simulator when processing PIN
Authorization Requests.
Use the following procedure to create a “User” PIN Key Set:
Step Action
1. From the Navigator pane, select a Testing Mode from the drop-down list.
3. Click the Crypto Keys tab.
4. Click the PINKeySet_User category icon.
5.
Click the Add New Group button.
6. Enter a Group ID and description.

7. Click Next.
8. Select the DES and Variant types.
9. Click OK.

Issuer Testing
Step Action
10. In the PINKeySet_User category key set, double-click a key to modify the
value.
11. In the Key Data Wizard, select the number of Key Components.
12. Click the Enforce Odd Parity check box if needed.

13. Click Next.

Issuer Testing
Step Action
14. Place cursor in the “Member” key components field(s) and enter the key
components. Do not use production keys.
15. Click OK.

16. Repeat procedure for each key as needed.
17. In the corresponding Parms category, double-click the Rotate, Variant or
Default field to change the value as needed.

Issuer Testing
MChip Key Sets

Within the MasterCard Credit Authorization Simulator, members can input the
Master Keys required for various algorithms used in M/Chip processing by
entering the appropriate values within the Crypto Keys tab. The keys are
represented in Triple DES – double key format. These keys are used in
calculating ICC Master and Session keys for each transaction.
The MChip Key Sets are separated into a “Reference” and a “User” category.
values. However, members may create “User” category MChip Key Sets to
enter their own keys.
Table 4.3 indicates the Simulator M/Chip Key Field names and their ICC Master
Key equivalent. See M/Chip 4 Security & Key Management for details
concerning ICC Master Key derivation.
Table 4.3—Simulator M/Chip Key
Simulator M/Chip Key Field Equal to… ICC Master Key

SMI MKSMI – ICC Master Key for Secure
Messaging Integrity
SMC MKSMC – ICC Master Key for Secure
Messaging Confidentiality
AC MKAC – ICC Master Key Application
Cryptogram
Issuing members provide their own test Master Key clear key components.
Use the following procedure to create “User” category MChip Key sets:
Step Action
3. Click on a key set in the MChipKeySet_User group.
4.
5. Enter a MChip Key Index and description.

6. Click OK.
7. Double-click a key to modify the value.

Issuer Testing
Step Action

10. Click Next.
11. Enter the key component(s) typing over the placeholders for each key
component indicated. Do not use production keys.
12. Click OK.

13. Repeat procedure for each key as needed. (e.g. AC, SMI, SMC)
14. In the Parms category, double-click the Application or Crypto field to modify
the corresponding values.

Issuer Testing
Step Action
15. Click a radio button to select a crypto or application type.
16. Click Next or OK depending on the whether the Application or Crypto field
was selected.
17. Double-click the Default field to set the selected MChip Key Set as the default
as needed.
18. Double-click the MIT Crypt Logging field to select/deselect the option to create
a log file for the corresponding MChip Key set.
19. Repeat procedure as needed for each “User” MChip Key Set.
M/Chip Crypto Log

Members may turn on or off an M/Chip Crypto Log which records information
about the simulator’s smart card interim cryptographic calculations for
individual MChip Key sets.
This text log is located in the main simulator directory, Credit x_x 4. When
selected, the simulator appends the data to the M/Chip Crypto log. The
default name for the log is “destrace.txt.”
When testing specific scenarios, members may need a clean M/Chip Crypto log
to record the smart card interim cryptographic calculations for that testing
session. To create a clean log, members need to rename the existing log
before testing. As soon as testing begins, a new M/Chip Crypto log captures
all the appropriate input data values and output results for the smart card
interim cryptographic calculations for that testing session.
4 x_x equals the current simulator version number.

Issuer Testing
See M/Chip4 Security & Key Management for details concerning smart card
interim cryptographic calculations.
The cryptographic calculation functions contained in the log are:

• Function : DeriveMasterKeys
• Function: DeriveSessionKeys
• Function: Generate ARQC
• Function: Generate ARPC
• Function: Verify MAC
• Function: DecryptData – Confidentiality
• Function: EncryptData – Confidentiality
• Function: Generate MAC
The following example shows the log capture for a DeriveMasterKeys function.
Note ChipCard DLL Version: 500.6005.1.2

Current Date and Time: 01/11/06 16:41:03
Function : DeriveMasterKeys
DeriveMasterKeys Parameters:
The timestamp matches the timestamp value in the Test Results history log.
The Function field indicates the cryptographic calculation performed with the
function parameters following.
Note Input PAN : 55 88 81 00 00 00 32 11

PAN Seq : 00 1
Input Left Key : 30 31 32 33 34 35 36 37
Input Right Key : 38 39 41 42 43 44 45 46
Input PAN + Seq : 88 81 00 00 00 32 11 01
Output Left Master Key : B5 32 4F 25 F1 CE 51 19
Output Right Master Key : 10 2F 2A EA 73 F1 D0 BA
The Input PAN value is DE 2 from the 0100 message.

Issuer Testing
PAN Seq equals DE 23 from the 0100 message.
Input Left Key equals Key1 of the Application Cryptogram Keys of the M/Chip
Keys window.
Input Right Key equals Key2 of the Application Cryptogram Keys of the
M/Chip Keys window.
Input PAN + Seq are a combination of Pan and sequence number.
Output Left Master Key equals key part 1 of the card master key derived from
the above parameters and used as input to derive session master keys.
Output Right Master Key equals key part 2 of the card master key derived from
the above parameters and used as input to derive session master keys.
The M/Chip Crypto log may be viewed in any word processing application
such as Microsoft® Notepad.
“User” Category Card Profiles

The Card Profiles are divided into “Reference” and “User” categories. Although
members may modify the MasterCard provided “Reference” Card Profiles, they
may also create and modify “User” Card Profiles to support testing outside of
the MasterCard required testing. As an alternate method for creating “User”
Card Profiles, members may copy any “Reference” Card Profiles into the “User”
category for use as a template.
Creating “User” Category Card Profiles

Use the following procedure to create “User” category Card Profiles:
Step Action

Issuer Testing
Step Action
4. Click the CardProfiles_User category icon.
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2006
5.
Click the Create a new Group button. Groups are used to organize card
profiles within the tree structure of the Card Profiles pane.
6. Enter a Name and Description and click OK.
7.
Click the Adds a Profile button.

Issuer Testing
Step Action
8. Enter a Profile Name and Description in the Edit Card Profile dialog box.
9. Enter an appropriate value in the 002 – Primary Account Number (PAN) field.
This field is required in the profile.
10. Enter data for each available field as needed in the Typical Data pane.
11. Click each tab and enter the appropriate data as needed.
12. Close the Edit Card Profile dialog box when finished.
Note The All Data tab is a composite view of all the data elements contained in the
associated profile. Members may not modify data in the All Data pane as it
only provides a quick overview of the profile data.

Issuer Testing
Entering Additional or ICC Related Data in a Card Profile
Use the following procedure to enter Additional or ICC Related Data in a User
Card Profile:
Step Action
1. With a Card Profile open, click the Additional Data or ICC Related Data tab.
2. Click a radio button in the Visible field in the lower window pane. This affects
the display of available subelements.
3. Double-click a subelement in the lower window pane to modify.

Issuer Testing
Step Action
4. In the Data and Subdata Element Editing dialog box, select a value option. If
selecting “enter value,” you must enter a value in the corresponding field. See
Table 4.4 for option details.
5. Click OK.
6. In the Edit Card Profile dialog box, click Compile. All selected subelements are
parsed and added to the corresponding Additional Data or ICC Related Data
field. The data is added to the profile.

Issuer Testing
Table 4.4—Data and Subdata Element Editing Options
Option Name Description

enter value Simulator uses manually entered value.
use the calculated default value Simulator uses the system date/time, sequence
(default) number or a hard coded system value.
remove the data or sub element Simulator removes the data or subelement from
even when mandatory (donotsend) the transaction only (does not remove from
profile) even if the data element is mandatory.
leave the data or sub element Simulator places data element in transaction
empty and ignore format operators leaving the value empty and ignores format
(empty) operators. This creates an un-parsable message.
Remove field from transaction or Simulator removes the data element/subelement
profile (notpresent) from the profile or transaction.
Modifying “User” Category Card Profiles

Use the following procedure to modify the “User” Card Profiles:
Step Action

Issuer Testing
Step Action
4. In the CardProfiles_User category, expand a Group by clicking the
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2006
5. Right-click a Card Profile and select Edit Node

or
Select a profile and click the Edit button to launch the Edit Card Profile
dialog box.
6. Click a tab and modify the data as needed.
7.
8. Repeat steps 6 and 7 for each profile as needed.

Issuer Testing
Deleting a “User” Category Card Profile

Use the following procedure to delete a “User” category Card Profile:
Step Action
4. In the CardProfiles_User category, expand a Group by clicking the
5. Select a Card Profile.
6. Click the Delete key.
7. Answer appropriately to a confirmation message confirming the delete action.
“User” Category Merchant Profiles

The Merchant Profiles are divided into “Reference” and “User” categories.
MasterCard provides predefined “Reference” Merchant Profiles, which may not
be modified. However, members may create and modify “User” category
Merchant Profiles.
Creating “User” Category Merchant Profiles

Use the following procedure to create “User” category Merchant Profiles:
Step Action
1. From the Navigator pane, set the IPS Host Testing mode.
2. Click Test Preparation.
3. Click the Merchant Profiles tab.

Issuer Testing
Step Action
4. Click the MerchantProfiles_User category icon.
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2006
5.
profiles within the tree structure of the Merchant Profiles pane.
6. Enter a Name and description and click OK.
7.

Issuer Testing
Step Action
8. Enter a Profile Name and Description in the Edit Merchant Profile dialog box.
9. From the Card Acceptor tab, enter the appropriate data for each available field
as needed. Note that bolded fields are required in the profile.
10. Click each tab and enter the appropriate data as needed.
11. Close the Edit Merchant Profile dialog box when finished.

Issuer Testing
Modifying “User” Category Merchant Profiles

Use the following procedure to modifying “User” category Merchant Profiles:
Step Action
4. Expand a “User” category profile group by clicking the corresponding plus
sign.
5.
Click on a profile and click the Edit button.
6. Modify the data as needed.

7. Click each available tab and modify data as needed.
8.
9. Close the Edit Merchant Profile dialog box when finished.
Deleting “User” Category Merchant Profiles

Use the following procedure to delete “User” category Merchant Profiles:
Step Action
4. Expand a “User” category profile group by clicking the corresponding plus
sign.
5. Click on a profile and click the Delete key.
6. Answer appropriately to a confirmation message confirming the delete action.
Creating a Transaction File

The Test Preparation module allows members to create transaction files
quickly by adding Transaction Profiles to the Transaction File pane. Members
may double-click a Transaction Profile or use the standard Microsoft dragging
and dropping functionality to create the transaction files. When members have
created a transaction file, they can modify both the content of the file as well
as the content of the transactions within it.

Issuer Testing
Use the following procedure to create a transaction file:
Step Action
1. From the Navigator pane under the Testing tab, select IPS Host Testing from
the drop-down list.
2. Click Test Preparation to launch the Test Preparation window.
Jul
2006
3. From the File menu, select New Transaction File.

4. In the Transaction File pane, select the TransactionFile_IssuerTest name.
5.
Click the Add Group button to add a group to the transaction file.
Groups are used to organize the transaction messages within the transaction
file.
7. Enter the number of loops for the Group. This indicates the number of times
the transactions in the group are processed.
8. Select a Transaction Profile in the Transaction Profile pane.
9. Double-click a Transaction Profile or use the standard Microsoft functionality
to click and drag the selected Transaction Profile into a group folder in
Transaction File pane (above the Profile pane).
10. Modify the transaction as necessary. See Modifying a Transaction for details.
11. Repeat steps 5 through 10 as necessary.
12. From the File menu, select Save Transaction File when finished.

Issuer Testing
Modifying a Transaction
Members may modify and customize each transaction individually. By adding
data elements manually to a transaction and then modifying the values,
members may change the values for specific data elements. The transaction
references the manual entry instead of the profile value for the data element.
Example A member may want to change the Transaction Amount or the PAN in a specific
transaction.
The changes you make to an individual transaction are not global changes, but
apply only to that transaction contained in the active test transaction file.
Selecting and Viewing a Transaction

Use the following procedure to select and view a transaction:
Step Action
1. Open a transaction file in the Test Preparation module.
2. Select a transaction by clicking anywhere in the row.
Jul
2006
3.
Click the Views composed message button to display the message in the
Transaction dialog box.

Issuer Testing
Step Action
4.
In the Transaction dialog box, click the Profiles button to display the
message organized by Transaction Source.
Jul
2006
5. Use the Arrow buttons to navigate and view the next message in the transaction
file.
Adding a Data Element to a Transaction

Members may add individual data elements to a transaction message by using
the standard Microsoft functionality of clicking and dragging the data element
from the Data Element pane to the transaction in the Test Preparation window.
A manually added data element in a transaction takes precedence over the

same data element value as defined in a profile used in creating the
transaction.
For example, a transaction built with a Card Profile that defines DE 4 (Amount,
Transaction) as 10 USD, has a manually added DE 4 with the value of 100
USD. The manually added DE 4 value is used in the transaction instead of the
Card Profile defined DE 4 value of 10 USD. The manually added data element
affects only the selected transaction and does not change the Card Profile.

Issuer Testing
Use the following procedure to add a data element to a transaction:
Step Action
1. Open a transaction file in the Test Preparation window.
2. Select a transaction by clicking any where in the row to highlight.
3. In the Profile pane, click the Data Elements tab.
4. Double-click a data element or use the standard Microsoft functionality to click
and drag a data element from the list and place it in the selected transaction.
Jul
2006
Members may modify the value in the manually added data element within a
transaction. See Changing a Data Element Value in a Transaction for details.

Issuer Testing
Changing a Data Element Value in a Transaction

Members can modify a manually entered data element value, for an individual
transaction, rather than accepting the default value. Use the following
procedure to modify a data element value in a transaction:
Step Action
3. Expand the transaction by clicking the corresponding plus sign.
4. Double-click the data element to launch the Data and Subdata Element Editing
dialog box.
5. Click a Value option radio button. If enter value is selected, type in a value.
Deleting a Data Element from a Transaction

Members may delete a manually entered data element from a selected
transaction. Members should not remove mandatory data elements unless the
intention of the test is to create deliberate errors in transactions to test the
member host system.
Use the following procedure to delete a transaction:
Step Action
3. Expand the transaction by clicking the corresponding plus sign.

Issuer Testing
Step Action
4. Select a data element identified by the DE icon.
Jul
2006
5. Click the DELETE key. The data element is deleted immediately without
notification. This action may not be reversed.
Changing a Card or Merchant Profile in a Transaction

Members can change a Card or Merchant Profile for an individual transaction,
by using the standard Microsoft functionality of double-clicking or clicking and
dragging a profile from the corresponding profile pane to the transaction in the
Test Preparation window.
Use the following procedure to change the Card or Merchant Profile in a

transaction:
Step Action
3. In the Profile pane, click the Card or Merchant tab.
4. Use standard Microsoft functionality to click and drag a profile from the list
and place it on the icon or transaction name of the selected transaction.
The change is immediate.
Search and Replace Card and Merchant Profiles

The Search and Replace functionality allows members to quickly find and
replace Card and Merchant Profiles within a transaction file. This provides
members the ability to create multiple tests utilizing one transaction file or a
portion of a transaction file and multiple sets of cards.

Issuer Testing
For example, within the Card Profiles tab are three groups; Standard Cards,
Gold Cards and Fleet Cards. Each group of card profiles contains individual
card profiles with the same names. In the transaction file is a
“GasStationPayInside” group which contains transactions using the Standard
Card profiles. By using the Search and Replace function, the member may
replace any matching card profiles in the “GasStationPayInside” transaction
group with the Gold Cards or Fleet Cards groups of the Card Profiles tab. The
search and replace allows the member to select the transaction file or
transaction group in which to search, as well as the Profile group from which
the matching profile data will be copied. Once the search criteria are selected,
a search may be performed displaying all the occurrences of matching criteria
found in the transaction file. The member may then replace the profile data,
updating the transaction file.
Use the following procedures to perform a search and replace function:
Step Action
1. From the Test Preparation module, open a test transaction file.
2.
Click the Search and Replace button.

Issuer Testing
Step Action
3. In the Search and Replace dialog box, click the corresponding Browse button
for the Replace in Transaction File field.

Issuer Testing
Step Action
4. Select a transaction file group and click OK.
5. In the Search and Replace dialog box, click the corresponding Browse button
for the Replace with Profile from Group field.

Issuer Testing
Step Action
6. In the Select Card or Merchant Profiles dialog box, select a Card or Merchant
Profile group and click OK.

Issuer Testing
Step Action
7. Click Search to display the matching profile criteria in the selected transaction
file.
8. Click Replace to replace the matching profile criteria within the transaction file.
Changing the Order of Transactions in a Transaction File

Members may want to change the order of the transactions or instructions
within a transaction file. To move a transaction or instruction to a different
location within a file, select the transaction or instruction and either use
standard Microsoft functionality to drag it to its new location or use the red
arrows on the toolbar to move the selected transaction.
Copying and Pasting Transactions

The standard Windows commands of copy and paste are available from the
Edit menu within the Test Preparation but are only functional in the active
transaction file. You can copy and paste only one transaction at a time.

Issuer Testing
Use the following procedure to copy, and paste transactions:
Step Action
1. Select a transaction in the test file.
2. From the Edit menu, select Copy.
3. Move your insertion point to the new location by selecting a transaction.
4. From the Edit menu, select Paste. The system inserts the pasted transaction
above the selected transaction insertion point.
Deleting Transactions
To delete a transaction from a transaction file, select the transaction and press
the DELETE key. The system immediately deletes the transaction without a
confirmation warning and may not be undone.
Adding Control Instructions

Transaction files can include “pauses,” “hold for,” or other programming
commands.
Use the following procedure to add an instruction to a transaction file:
Step Action
1. Open the desired transaction file.
2. Click on the base “TransactionFile_IssuerTest” or a group name.
3.
Click the Add Instruction button.
4. Click a radio button and add data to the corresponding field as needed.
5. Click OK.

Issuer Testing
Table 4.5 provides a list of available instructions and their descriptions.
Table 4.5—Instructions
Instruction Description
Pause Pause automatic transaction processing for a given number of
seconds
Prompt Creates a message box requiring operator intervention. Members
enter the text to be included in the prompt
Log Allows members to enter a note to the transaction log at the
place of insertion
Send Allows the member to enter data in HEX format to be sent
directly to the direction specified, bypassing all outgoing
message formats and validations. This allows members minute
control of the data being sent
HoldFor Waits to receive a specified message type
SetDateTime Allows members to set the date and time for simulator
processing
ResetDateTime Resets the date and time to the system’s default
SetMChipKeySet Allows members to set the MChip Key Set
Remove instruction Removes the instruction from an associated profile or removes
from profile the instruction from a transaction
Jul
2006
Adding an Instruction to Set a Future Settlement Date in the
Simulator
At times, members may need to perform a simulator test with a future
settlement date. Within the Test Preparation module, members may add an
instruction that specifies a date and time to be used in DE 15 (Date,
Settlement) and DE 16 (Date, Conversion).
Warning Members should not change the simulator’s PC date to a future date as this will
In some instances, if the PC date is manually changed to a distant future date, a
new hardware token may be required to operate the simulator. A hardware
token replacement fee will apply.

Issuer Testing
Use the following procedure to add an instruction in a transaction file to set a Jul
future settlement date for simulator processing: 2006
Step Action
1. Open the Test Preparation module.
2. Click on the base “TransactionFile_IssuerTest” or a group name to determine
the placement of the instruction.. The instruction will be inserted after the
highlighted group.
3.
4. Click the SetDateTime radio button and enter the new date and time in the
corresponding fields.
Note: Members may use the above procedure to add an instruction to reset the
date and time by simply clicking the ResetDateTime radio button.
5. Click OK.

Issuer Testing
Network Response Profiles

The Network Response Profiles are separated into a “Reference” and a “User”
category. MasterCard provides predefined Network Response Profiles in the
“Reference” category which contains default values. Members may not modify
the “Reference” category.
However, members may create and modify “User” Network Response Profiles
to support testing outside of the MasterCard required testing.
Creating “User” Category Network Response Profiles

Use the following procedure to create “User” category Network Response
Profiles:
Step Action
1. From the Navigator pane, set the IPS Host Testing mode.
3. Click the Network Response Profiles tab.
4. Click the NetworkResponseProfiles_User category icon.
5.
profiles within the tree structure of the Network Response Profile pane.
7.

Issuer Testing
Step Action
8. In the Edit Response Profile dialog box, enter a profile name and description.
9. Select a MTI – Message Transaction Identifier from the drop-down list.

10. From the Profile Key tab, enter a value or wildcard in the Key fields. See
Network Response Profile Wildcard Match.
The bolded profile keys are the required match criteria used in the Network
Response Profile.
11. Close the Edit Response Profile dialog box.

Issuer Testing
Entering Network Response Profile Data

Use the following procedure to enter or modify “User” category Network
Response Profile Data:
Step Action
1. Expand a Response Profile Key in the “User” category.
Jul
2006
2. Right-click the Network Response Profile Data group for the corresponding
Profile Key.
3. Click Edit Node.

Issuer Testing
Step Action
4. Click the DE 48 or DE 55 tab as needed.
5. Click a radio button in the Visible field in the lower window pane. This
affects the display of available subelements.
6. Double-click a subelement to launch the Data and Subdata Element Editing
dialog box.
9. In the Response Profile dialog box, click Compile. All selected subelements
are parsed and added to the corresponding Additional Data or ICC Related
Data field. The data is added to the profile.
10. From the Other Response Data tab, click a radio button in the Visible field in
the lower window pane. This affects the display of available subelements.
dialog box.

Issuer Testing
Step Action
13. Click OK when finished. The data element is added to the profile.
14.
To add an instruction to the profile, click the Add Instruction button.
15. Select a corresponding instruction radio button, adding the appropriate data as
needed.
16. Click OK. The instruction is added to the profile.

17. In the Response Profile dialog box, click OK when finished.
Network Response Profile Wildcard Match

Member may use the “wildcard” asterisk character (*) to match any value in
any of the corresponding key fields. To specify conditional matching of a
value, members may use the positional wildcard “?” character. The entry of
the “?” character within any of the key fields directs the simulator to match
records for more than one value in the specified key field.

5 Acquirer Testing
This chapter details how acquiring members perform standard and specialized
simulator testing.
Standard Acquirer Testing...................................................................................5-1

Setting the APS Host Testing Mode..............................................................5-1
Adding an Instruction to Set a Future Settlement Date in
the Simulator .................................................................................................5-2
Adding Acquirer IDs .....................................................................................5-3
Issuer Response Profiles ...............................................................................5-4
Enabling Issuer Response Profiles .........................................................5-5
Disabling Issuer Response Profiles ........................................................5-6
Starting an Acquirer Test Session .................................................................5-6
Viewing Test Results .....................................................................................5-8
Table View ..............................................................................................5-9
Parsed Message Detail View.................................................................5-10
Key Data View ......................................................................................5-11
Log Display Icons .................................................................................5-12
Filtering the Test Results View .............................................................5-13
Select Messages.....................................................................................5-14
Generating the History Log as a Text File ...........................................5-15
Managing the History Log...........................................................................5-16
Default Log Database ...........................................................................5-16
Clear Log ...............................................................................................5-18
Compact Log .........................................................................................5-18

PIN Key Sets................................................................................................5-23
Issuer Response Profiles .............................................................................5-26
Creating “User” Category Issuer Response Profiles.............................5-26
Entering Issuer Response Profile Data.................................................5-28
Issuer Response Profile Wildcard Match..............................................5-31

Acquirer Testing
Standard Acquirer Testing

To perform acquirer testing the member must initiate the transaction file from
their host system. Before starting a test session, the Acquirer Processing
System (APS) Host Testing mode must be set and a communication connection
established between the simulator and the member host.
Setting the APS Host Testing Mode

Use the following procedure to set the acquirer host testing mode and
establish a communication connection to the member host:
Step Action
1. Double-click the MasterCard Credit Authorization Simulator icon on the PC
desktop to launch the simulator application.
2. In the Navigator window, from the Testing tab, select APS Host Testing from
the drop-down list. The testing status indicator displays “Connecting” until the
connection to the member host completes then the status changes to
“Connected.”
The simulator is now prepared to receive Authorization Request/0100

messages from the member host.

Acquirer Testing
Adding an Instruction to Set a Future Settlement Date in the Jul

2006
Simulator
At times, members may need to perform a simulator test with a future
settlement date. Within the Test Preparation module, members may add an
instruction that specifies a date and time to be used in DE 15 (Date,
Settlement) and DE 16 (Date, Conversion).
Warning Members should not change the simulator’s PC date to a future date as this will
In some instances, if the PC date is changed to a distant future date, a new
hardware token may be required to operate the simulator. A hardware token
replacement fee will apply.
Use the following procedure to add an instruction in the Test Preparation

module to set a future settlement date for simulator processing:
Step Action
1. Open the Test Preparation module.
2.
3. Click the SetDateTime radio button and enter the new date and time in the
corresponding fields.
Note: Members may use the above procedure to add an instruction to reset the
date and time by simply clicking the ResetDateTime radio button.
4. Click OK.

Acquirer Testing
Adding Acquirer IDs

Before testing, acquirers need to configure the Acquirer Table in the Options
dialog box. Here, acquirers add their own account ranges in the “User”
category. Refer to Chapter 1 for details concerning “Reference” and “User”
categories. Typically this is a one time setup and once it is completed,
acquirers update the Acquirers Table only as needed.
Use the following procedure to add acquirer IDs to the Acquirer Table:
Step Action
1. From the Navigator, select Set Options.
2. Within the Options dialog box, click the Acquirer Table tab.
3. Click on the AcquirerID_User category icon.

4.
Click the Add Acquirer ID button.

Acquirer Testing
Step Action
Jul
5. In the Acquirer ID dialog box, enter all appropriate data. See Chapter 3 for 2006
details concerning the available options in the Acquirer ID dialog box.
6. Click Add.
Issuer Response Profiles

By default, all correctly formatted Authorization Request/0100 messages will
automatically receive an approval Authorization Request Response/0110
message from the simulator.
Acquirers will also need to test transactions to which the desired response is
not an approval for Authorization Request/0100 messages. To force the
simulator to generate negative or non-default responses to correctly formatted
messages, members will need to ensure an Issuer Response Profile is
configured and enabled. Issuer Response Profiles allow particular response
codes to be linked to specified matching criteria (e.g. PAN [DE 2], Processing
Code [DE 3], Transaction Amount [DE 4], Merchant Type [DE 18], and POS
Entry Mode [DE 22]) of the Authorization Request/0100 message received from
the member host.

Acquirer Testing
The Issuer Response Profiles contain a “Reference” and a “User” category.

MasterCard provides pre-defined “Reference” Issuer Response Profiles that
complement the MasterCard acquirer test plan. These “Reference” profiles can
not be modified. Although members can not modify “Reference” profiles, they
may create and modify Issuer Response Profiles in the “User” category. See
Creating “User” Category Issuer Response Profiles for details.
Enabling Issuer Response Profiles

Within the Test Monitor module, members may enable/disable any Response
Profile. Response Profiles are by default “enabled” until manually “disabled”
by the member.
Use the following procedure to enable Issuer Response Profiles:
Step Action
1. From the Navigator window, select Test Monitor.
2. Click the Issuer Response Profile tab.
3. Select an individual profile or a folder.
Jul
2006
4.
Click the Enable Response Profile button to enable the selected response
profile or all the profiles within a folder.

Acquirer Testing
Disabling Issuer Response Profiles

Use the following procedure to disable Issuer Response Profiles:
Step Action
1. From the Navigator window, select Test Monitor.
2. Click the Issuer Response Profile tab.
3. Select an individual profile or a folder.
Jul
2006
4.
Click the Disable Response Profile button to disable the selected response
profile or all the profiles within a folder.
Starting an Acquirer Test Session

Members use the Test Monitor module of the MasterCard Credit Authorization
Simulator to originate transactions for issuer testing or to respond to
transactions from the member host during acquirer testing. The Test Monitor
displays the messages it sends or receives (Figure 5.1).

Acquirer Testing
Figure 5.1—Test Monitor

Jul
2006
To perform acquirer testing, members establish a communication connection

with the simulator, originate the test transactions on their host, and send them
to the Test Monitor module. The simulator will validate the incoming
messages. If the incoming message does not contain errors, the Test Monitor
automatically generates a response message and returns it to the member host.
If the incoming message contains errors, the Test Monitor identifies the errors
with an error icon and automatically generates and returns an appropriate
reject message to the member host.

Acquirer Testing
Viewing Test Results

The simulator records the details of every transaction in a test session to a
History Log. The Test Results module allows members to view and analyze
their test results quickly and easily by displaying the History Log. Members
may select from display options that provide the test result details of the
History Log in three different formats:
• Table View
• Parsed Message Detail View (default)
• Key Data View
Using the Test Results module, members can review the History Log which
records details of every transaction sent between the member host and the
Test Monitor module and provides a data element by data element view of the
transaction.

Acquirer Testing
Table View
The Table view displays all transactions in a single pane with minimal detail
indicating the message flow, information, warnings, and errors for the test
session (Figure 5.2).
Figure 5.2—Table View
Jul
2006

Acquirer Testing
Parsed Message Detail View

The Parsed Message Detail view displays all transactions in two panes with
maximum detail indicating the message flow, information, warnings and errors
for the test session as well as data element and subelement detail (Figure 5.3).
Figure 5.3—Parsed Message Detail (default) View
Jul
2006

Acquirer Testing
Key Data View

The Key Data view displays all transactions in three panes with maximum
detail indicating the message flow, information, warnings, and errors for the
test session, data element and subelement detail and key data detail to assist in
message identification (Figure 5.4).
Figure 5.4—Key Data View
Jul
2006

Acquirer Testing
After running a test session, use the following procedure to view the test in the
Test Results window:
Step Action
1. From the Navigator window, select Test Results.
2. Select a view by clicking a corresponding toolbar button.
Jul
2006
Log Display Icons

The History Log is viewable in both the Test Monitor and Test Results
windows. Each log record has an accompanying icon indicating the type or
action of the log record. Table 5.1 displays each icon and its description.
Table 5.1—History Log Icons
Icon Description
Information
Error
Warning
Jul
Transaction created by Network Performs Stand-In mode
2006

Acquirer Testing
Icon Description
Message sent by the acquirer APS
Message received on the network NTW from the acquirer APS
Message sent from the network NTW to the issuer IPS
Message received on the issuer IPS
Message sent by the issuer IPS
Message received on the network NTW from the issuer IPS
Message sent from the network NTW to the acquirer APS
Message received on acquirer APS
Refining the Test Results View

If a transaction file contains a large number of transactions, it can be difficult
to locate a particular transaction within the history log. In addition, a member
reviewing the test results may need to concentrate on specific transaction
types. The Test Results module provides two features, Filter and Select
Messages that assist members in creating a customized view of the test results.
Filtering the Test Results View

Use the following procedure to filter the Test Results view:
Step Action
1.
From the Test Results window, click the Filter button.

Acquirer Testing
Step Action
2. From the Filter dialog box, select a pre-defined filter option from the drop-
down list.
3. Click OK once a filter is selected.
The filter selection is effective immediately and may be altered at any time.
Select Messages
Use the following procedure to use the Select Messages option:
Step Action
1.
From the Test Results window, click the Select Messages button.

Acquirer Testing
Step Action
2. From the Select Messages dialog box, click the Select the messages fulfilling
following condition radio button.
3. Enter the appropriate matching criteria in the corresponding field.

4. Click OK when selection in complete.
The message selection is effective immediately and may be altered at any time.
Generating the History Log as a Text File

Members may generate the current history log or a saved log as a text file to
be used as import data to the MasterCard Clearing and Presentment Simulator.
See the MasterCard Clearing Presentment Simulator Guide for details
concerning the importing of an authorization text file to the MCPS Simulator.
Step Action
1. From the Navigator, select a Test Mode or View Archived Log Files.
2. If viewing Archived Log Files, select a file and click Open.
3.
From the Test Results module, click the Generate text file button.

Acquirer Testing
Step Action
4. Click OK.
Jul
2006
5. The text file opens automatically in Notepad. Select File/Save As and enter a
unique name for the text file and select a directory if you need to change the
file name and/or location.
6. Click Save.
Note The default location of the generated text file is C:\Program

Files\MasterCard\Credit xx_x 1\data.

Default Log Database

The simulator’s active history log is written to a default database (log.mdb).
Members may not change the path of the default log.mdb file or database
name. The simulator creates or opens the default log.mdb database each time
the simulator is started. However, members may save the history log as a
separate log file that is independent of the default database and the active test
session.
1 “xx_x” equals the current version of the simulator.

Acquirer Testing
Using a simple Save As function members may create multiple saved log files
for each testing scenario as needed with little interruption to a testing session.
Note Members may clear the default log at any time or allow the test data to append
to the log.
For example, a member saves a log with the name “AMCC Test June 2006” and
either clears the default log before continuing testing or allows the test data to
append to the default log once testing is resumed. Once the next testing
session is complete, the member may save the history log as a new file using
the Save As feature. Members may repeat the process as frequently as needed.
The saved logs are independent of the default log and will not be modified by
continued testing within the simulator. These saved logs may then be
forwarded to MasterCard for error troubleshooting or testing validation.
Use the following procedure to save a log file:
Step Action
1. In the Test Results module, select File/Save Log As.
2. In the Save As dialog box, enter a file name and click Save.
3. Click OK. The log is saved and compacted.
Note The saved logs may be viewed through the View Archived Test Log feature.

Acquirer Testing
Clear Log
During testing, the simulator appends all testing data to the History Log.
When testing specific test scenarios, members may want to create a clean log
in which to capture only the test data for that individual test. Once the testing
is complete, members may then save the history log to an individual file for
test analysis and validation. The Clear log function allows the member to reset
or clear all entries in the history log for the selected log. This action may not be
reversed.
Use the following procedure to clear the history log:
Step Action
1. From the Test Results window, select File/Clear Log.
2. Answer appropriately to a confirmation message validating the clear action.
This action may not be reversed.
Compact Log
Members may compact a history log database through a Compact Log option
available in the Test Results module. Members may use the Compact Log
option only on closed history logs. An open log may not be compacted.
Members may compact a saved history log through the Test Results module
while in the APS Host Testing, IPS Host Testing, or View Archived Test Log
mode.
Use the following procedure to compact a history log:
Step Action
1. Select a Host Testing mode or the View Archived Test Log mode from the
Navigator drop-down list.
2. Click the Test Results or the View Archived Logs button in the Navigator
window.
3. From the File menu, select Compact Log.

Acquirer Testing
Step Action
4. In the Select File dialog box, select a log file name (*.mdb) and click Open.
Jul
2006
5. In the Compact Log dialog box, click OK when the compact is complete.
Note When a history log file is saved as another file name using the File/Save As
option, the saved log file is automatically compacted.

Acquirer Testing

The MasterCard Credit Authorization Simulator may be customized and used to
test member specific testing scenarios.
Setting Network Options

modify specific Network processing options.
Network options allow members to customize the simulator to:

• Perform data integrity edit and if error found, stops 0100 message
processing and sends a 0110 message with a format error
• Sign-on selects the active PIN key set as configured in the PIN Key set
option
• Always return DE 48 to the acquirer
• Log zero length messages
• Show information messages for unannounced DE 48 subelements
• Include Test Description into Test Logs
Jul
• Issuer supports DE 48/SE 58 2006
• Issuer supports Refund transaction
• Issuer supports Balance Inquiry transaction
• Acquirer supports DE 123
• Acquirer supports MSI (Maestro)
• Acquirer supports CIR (Cirrus)
Use the following procedure to set Network Options:
Step Action
1. From the Navigator window, select a Testing Mode from the drop-down list.

Acquirer Testing
Step Action
Jul
2006

corresponding option.
Table 5.2 describes the Network Options and their function.
Option Description
Treat Data Integrity Edits as Production Performs data integrity edit and if error
Format Errors found, stops 0100 message processing and
sends a 0110 message with a format error.
0800 Group Sign-On Selects PIN Key Set Sign-on selects the active PIN key set as
configured in the PIN Key set option.
Network Always Forward Request Ignores all errors and continues processing
Network Always Forward Response Ignores all errors and continues processing
Always Return DE 48 to Acquirer When selected, the simulator always
returns DE 48 to the acquirer.

Acquirer Testing
Option Description
Logging of Zero Length Messages When selected, this option allows the
logging of zero length messages to the
simulator’s history log, which members
may view in either the Test Monitor or Test
Results module.
Show Information Messages for When this option is selected, each
Unannounced DE 48 Subelements unannounced DE 48 subelement is
identified in the history log file with a
message “Unannounced DE 48
subelements are present and are being
passed through the network.”
Include Test description into Test Logs When this option is selected, the simulator
writes the transaction description in the
history log providing an easier means of
locating a specific transaction in either the
Test Monitor or Test Results component.
Jul
Issuer supports DE 48/SE 58 This option indicates that the issuer does 2006
or does not receive DE 48, subelement 58
in 0100 and 0400 messages.
Issuer supports Refund transaction This option indicates that the issuer can or
cannot process refund transactions where
the value in DE 3, subfield 1 is equal to
“20” in the 0100/110, 0120/0130, and
0400/0410 messages.
Issuer supports Balance Inquiry This option indicates whether the issuer
transaction can or cannot receive ATM Balance Inquiry
transactions where the value in DE 3,
subfield 1 is equal to “30” and DE 48,
position 1 (TCC) is equal to “Z” in the
0100/0400 messages.
Acquirer supports DE 123 This option indicates that the issuer can or
cannot receive DE 123.
Acquirer supports MSI (Maestro) This option indicates that the acquirer can
or cannot acquire Maestro (MSI) branded
transactions.
Acquirer supports CIR (Cirrus) This option indicates that the acquirer can
or cannot acquire Cirrus (CIR) branded
transactions.

Acquirer Testing
PIN Key Sets

The PIN Key Sets are separated into a “Reference” and a “User” category.
values. However, members may create “User” PIN Key Sets to enter their own
keys. The PIN Key Sets are referenced by the simulator when processing PIN
Authorization Requests.
Use the following procedure to create a “User” category PIN Key Set:
Step Action
1. From the Navigator window, select a Testing Mode from the drop-down list.
4. Click the PINKeySet_User category icon.
5.
6. Enter a Group ID and description.

7. Click Next.
8. Select the DES and Variant types.
9. Click OK.

Acquirer Testing
Step Action
10. In the PINKeySet_User category key set, double-click a key to modify the
value.

13. Click Next.

Acquirer Testing
Step Action
14. Place cursor in the “Member” key components field(s) and enter the key
components. Do not use production keys.
15. Click OK.

16. Repeat procedure for each key as needed.
17. In the corresponding Parms category, double-click the Rotate, Variant or
Default field to change the value as needed.

Acquirer Testing
Issuer Response Profiles

The Issuer Response Profiles are separated into a “Reference” and a “User”
category. In the “Reference” category are predefined Issuer Response Profiles
which contain default values that complement the MasterCard required
acquirer testing. Members may not modify the “Reference” category.
However, members may create and modify “User” Network Response Profiles
to support testing outside of the MasterCard required testing.
Creating “User” Category Issuer Response Profiles

Use the following procedure to create “User” category Issuer Response
Profiles:
Step Action
1. From the Navigator, set the APS Host Testing mode.
3. Click the Network Response Profiles tab.
4. Click the NetworkResponseProfiles_User category icon.
5.
profiles within the tree structure of the Network Response Profile pane.
7.

Acquirer Testing
Step Action
8. In the Edit Response Profile dialog box, enter a profile name and description.
9. Select a MTI – Message Transaction Identifier from the drop-down list.

10. Enter a value or wildcard in the Key fields. See Issuer Response Profile
Wildcard Match.
The bolded profile keys are the required match criteria used in the Issuer
Response Profile.
11. Close the Edit Response Profile dialog box.

Acquirer Testing
Entering Issuer Response Profile Data

Use the following procedure to enter or modify “User” category Issuer
Response Profile Data:
Step Action
1. Expand an Issuer Response Profile Key in the “User” category.
Jul
2006
2. Right-click the Issuer Response Profile Data group for the corresponding
Profile Key.
3. Click Edit Node.

Acquirer Testing
Step Action
4. Click the DE 48 or DE 55 tab as needed.
5. Click a radio button in the Visible field in the lower window pane. This
affects the display of available subelements.
dialog box.
9. In the Edit Response Profile dialog box, click Compile. All selected
subelements are parsed and added to the corresponding Additional Data or
ICC Related Data field. The data is added to the profile.
10. From the Other Response Data tab, click a radio button in the Visible field in
the lower window pane. This affects the display of available subelements.
dialog box.

Acquirer Testing
Step Action
13. Click OK when finished. The data element is added to the profile.
14.
To add an instruction to the profile, click the Add Instruction button.
15. Select a corresponding instruction radio button, adding the appropriate data as
needed.
16. Click OK. The instruction is added to the profile.

17. In the Edit Response Profile dialog box, click OK when finished.

Acquirer Testing
Issuer Response Profile Wildcard Match

Members may use the “wildcard” asterisk character (*) to match any value in
any of the corresponding key fields. To specify conditional matching of a
value, members may use the positional wildcard “?” character. The entry of
the “?” character within any of the key fields directs the simulator to match
records for more than one value in the specified key field.

A Professional Version
This chapter describes the features available with the Professional version of the
Simulator Professional Features ......................................................................... A-1

Navigator Options ........................................................................................ A-1
User Management .................................................................................. A-1
Selecting a User Profile Set ............................................................. A-3
Changing the User Profile Set Without Starting a
New Simulator Session .................................................................... A-3
Creating a User Profile Set .............................................................. A-5
Copying a User Profile Set .............................................................. A-5
Deleting a User Profile Set .............................................................. A-5
Self Testing Mode .................................................................................. A-6
Stand Alone Testing Modes................................................................... A-6
Test Mode Options ................................................................................ A-7
Test Preparation Module.............................................................................. A-7
Adding Multiple Transactions Quickly.................................................. A-7
Transaction File Import ....................................................................... A-10
Transaction File Import Format Conditions.................................. A-12
Transaction Profile Editing .................................................................. A-14
Creating a Transaction Profile....................................................... A-14
Modifying a Transaction Profile.................................................... A-15
Removing the Card and Merchant Profile
Retrieval Indicator.......................................................................... A-19
Deleting a Transaction Profile....................................................... A-20
User Response Profiles ........................................................................ A-21
Test Results Module ................................................................................... A-24
Managing the History Log ................................................................... A-24
Creating a History Log Database................................................... A-25
Selecting a History Log Database.................................................. A-26
Test Results Select Transaction Functionality ..................................... A-27
Test Results Compare Functionality.................................................... A-29
View Archived Logs ............................................................................. A-32

MasterCard Credit Authorization Simulator • July 2006 A-i
Professional Version
Simulator Professional Features

The Professional version builds on the core testing features of the Standard
version of the MasterCard Credit Authorization Simulator. The Professional
version provides increased flexibility and additional options to conduct
“power” testing.
The Professional version of the MasterINQ Simulators is the platform for all
MasterINQ Add-In tools.
Navigator Options
Within the Navigator, members may access the following enhanced options
that are available only in the Professional version of the MasterINQ simulators.
User Management
There may be times when multiple users need to test on the same simulator or
even a single user who may need to test different scenarios. Since not all
users or test scenarios need the same test data, the Professional version of the
simulator provides a way of managing and separating the user-defined data for
each user or testing scenario.
Through the User Management feature members may create and manage
multiple user profile sets that reference different user-defined data entered in
the following simulator categories:
• Profiles
− TrxProfiles_User (Transaction profiles)
− CardProfiles_User (Card Profiles)
− MerchantProfiles_User (Merchant Profiles)
− NetworkResponseProfiles_User (Network Response Profiles)
− IssuerResponseprofiles_User (Issuer Response Profiles)
• Options
− AcquirerID_User
− BinTable_User
− CVC3KeySet_User
− CVCKeySet_User
− HMACKeySet_User
− MChipKeySet_User
− PINKeySet_User

MasterCard Credit Authorization Simulator • July 2006 A-1
When a simulator session begins in the Professional version, the member is

prompted to select a Profile Set in the User Management dialog box.
The “active” Profile Set is indicated in the upper pane of the User Management
dialog box (Figure A.1). Any changes or additions to the indicated user
categories will be associated to the active profile set at the time of the
modifications.
Figure A.1—User Management

A-2 July 2006 • MasterCard Credit Authorization Simulator
Selecting a User Profile Set
Use the following procedure to select a User Profile Set:
Step Action
1. From the User Management dialog box, click on a profile set folder in the
Users tree directory.
2. Click Select.
3. Click OK. The selected Profile Set then becomes the active Profile Set.
Changing the User Profile Set Without Starting a New Simulator Session
At times, members may want to change the User Profile Set without starting a
new simulator session. The User Management dialog box may be accessed
within the Navigator under the System Admin tab.
Use the following procedure to change the User Profile Set without starting a
new simulator session:
Step Action
1. From the Navigator window, select Disconnect in the Testing pane.
2. Click the System Admin tab.

Step Action
3. Click the User Management icon.
4. Click a profile set folder in the Users tree directory.
5. Click Select and then click OK.

Creating a User Profile Set
Use the following procedure to create a user profile set:
Step Action
1. From the User Management dialog box, click New.
2. Enter a folder name and click OK.
3. Click Save.
4. Click OK.
Copying a User Profile Set
Members may copy an existing profile set and then enter a name for the new
profile set.
Use the following procedure to copy an existing user profile set:
Step Action
1. From the User Management dialog box, click on a profile set in the Users tree
directory.
2. Click Copy.
3. Enter a folder name in the Rename dialog box and click OK.
4. Click Save.
5. Click OK.
Deleting a User Profile Set
Use the following procedure to delete a user profile set:
Step Action
1. From the User Management dialog box, click on a profile set in the Users tree
directory.
2. Click Delete.
3. Click OK in a message confirming the delete action.

Self Testing Mode

The Self Testing mode is an additional test mode available only in the
Professional version of the simulator. The Self Testing mode emulates the
acquirer, issuer, and the network in a transaction flow without being
connected to the host system. The Self Testing mode enables members to do
the following:
• Training and demo
The Self Testing mode does not require a physical host to be connected to
the simulator, thereby providing an ideal mode for training and
demonstration to easily simulate any erroneous situation without impacting
the host system.
• Testing in a Simulated Environment
The Self Testing mode allows members to create test cases and test them in
a simulated environment before testing them against a live system.
• Reference implementation
The Self Testing mode can be used to verify how the host system should
behave. The member can process a test case, once against the simulated
environment and once against the live environment, and analyze the
differences.
Members may access the Self Testing mode from the Navigator pane Testing
tab in the Professional version.
Stand Alone Testing Modes

The Professional version also provides stand alone testing mode functionality
for the following:
• APS Stand Alone
Simulates only the issuer environment.
• IPS Stand Alone
Simulates only the acquirer environment.
• NTW Stand Alone
Simulates the network and should be connected between an acquirer and
an issuer.

Test Mode Options

The available options displayed in the Options dialog box reflect the testing
mode selected. For example, when in the Self Testing mode, the Test Mode
options displayed in the Options dialog box are for the acquirer, network, and
issuer. However, when the simulator is in the APS Stand Alone test mode, the
Test Mode Options are for the acquirer.
Figure A.2—Test Mode Options for Self Testing
Test Preparation Module

Within the Test Preparation, members may access the following enhanced
options that are available only in the Professional version of the MasterINQ
simulators.
Adding Multiple Transactions Quickly

Members can use the Populate function as an alternative to the Microsoft drag
and drop approach of creating a transaction file. The Populate function allows
members to select from two different population algorithms:

• Make combinations with all selected profiles in an alternating series

• Make all possible combinations with all selected profiles
Use the following procedure to add multiple transactions quickly:
Step Action
1.
From the Test Preparation module, click the Populate button.
2. In the Folder Name field, type the name of the folder to contain the populated
transactions.
3. Select a Population Algorithm by clicking the corresponding radio button.

Step Action
4. Select a Transaction Profile(s) in the Transaction Profile pane.

Step Action
5. Click the Card Profile tab and select a Card Profile category (folder) or an
individual profile(s).
6. Click the Merchant Profiles tab and select a Merchant Profile category (folder)
or an individual profile(s)..
7. Change the Number of resulting requests field if needed. This field
determines the number of transactions created.
The auto-populated transactions are appended to the existing transaction file.
Transaction File Import

The Transaction File Import option allows members to import transaction data
into the Test Preparation module using a text (.txt) or comma separated (.csv)
file.
Members may use a comma separated (.csv) file from a spreadsheet utility
(such as Microsoft® Excel) or a text (.txt) file from a word processor (such as
Microsoft® Word or Notepad) to import data for a transaction file. This allows
greater ease and flexibility for mass entries of information to the simulator.

The Test Preparation module preprocesses the imported file data validating the
specified profile names for each record. The import process takes the data
from the .txt or .csv file and converts it into the appropriate format and layout
for the simulator.
Use the following procedure to import a transaction file from a text file:
Step Action
1.
Within the Test Preparation module, click the Import Transaction File
button.
2. Select a transaction .txt or .csv file in the Select File dialog box and click Open.
3. Click OK in the Import Profile Data dialog box.

The import function creates an “Imported” group (folder) that is appended to

the existing transaction file for each import processed. This could result in
multiple folders or groups with the “Imported” name.
Figure A.3 is an example of an imported file displayed in the Test Preparation

window.
Figure A.3—Imported Transaction File
Transaction File Import Format Conditions
The Test Preparation module requires that certain conditions exist in the
import file for a successful import.
The first line of the text file is called the Header Line and contains the names
of the fields that are present in each line of the input file. The Header Line
contains the following information:
• (Group) This field is mandatory.
This field contains the path, group names and sub-group names where the
data will be created. If the path is not valid then a critical error occurs and
the import fails.

• (Name)
This field contains the name of the transaction. If this field is not specified,
the name of the Transaction Profile will be used as the name for the
transaction.
• (Description)
This field contains the description for the transaction file.
• (Transaction Profile) This field is mandatory.
This field contains the name of the Transaction Profile. If the Transaction
Profile is specified, a search is performed in the User and Reference
Transaction Profiles for the first occurring match. If the full Transaction
Profile path is entered, this will be used to determine the transaction
profile.
If the Transaction Profile is not specified, then DE 003.01 needs to be
specified. The first occurrence of this value will be used to select the
transaction profile.
If both the Transaction Profile and DE 003.01 are not specified in the
Header Line then a critical error occurs and the import fails.
The import function will fail if the table header row is not in the first row
position of the importing file. The lines following the Header Lines contain
the values (comma separated).
The number of transactions per input file is limited to 2500. If there are more
than 2500 records, the import will fail. If a critical error occurs on the Header
Line, the import will fail. When the Header Line is correct and a critical error
occurs on a record, the pre-process continues with the next record but the
import fails.
A typical input table would be constructed as follows:
(Transaction 002 003 018

(Group) (Name) (Description) profile)
John.nomer User Default CAT_2 000000 6011
John.nomer 34 12 CAT_2 000000 3412

If a field does not contain data, the field still needs commas to separate it from
the fields before and after it. In Figure A.4 the (Name) field placeholder in
both lines of data is indicated with a comma after the field place. All fields are
comma separated.
Figure A.4—Transaction file import
Transaction Profile Editing

The simulator uses Transaction Profiles as a basis for the composition of a
message. Transaction Profiles indicate which data elements are present in a
given message and from where the simulator needs to retrieve the information
to fill these data elements.
The Transaction Profiles contains a “Reference” and a “User” category. The

“Reference” Card Profiles may not be modified. However, members may copy
and paste a “Reference” Transaction Profile into the corresponding “User”
profile as a template. Members may modify the “User” Transaction Profiles.
Creating a Transaction Profile
Use the following procedure to create a transaction profile:
Step Action
3. In the Profile pane, right-click the TrxProfiles_User icon.
4. Select Add a Folder if needed..
5. Enter a group name and description.
6. Click OK
7. Expand a group(s) in the TrxProfiles_Reference category.

Step Action
8. Right-click a transaction profile and click Copy.
9. Right-click a folder in the Trx_Profiels_User category and click Paste.
Modifying a Transaction Profile
Use the following procedure to create a transaction profile:
Step Action
3. In the Profile pane, expand a folder in the TrxProfiles_User category.
4. Right-click a transaction profile and click Edit Node.

Step Action
5. Select the Class DEs tab.
6. Expand a group and double-click a sub-element as needed to modify.

Step Action
7. Select a value from the drop-down list and click OK.

Step Action
8. Select the Get from Card Profile or Get from Merchant Profile tab as needed.
9. Double-click a data element name to specify that the corresponding

information will be retrieved from the Card or Merchant Profile.
10. Click OK.
11.
Click the Save button to save the profile changes or click the Cancel
button to cancel the changes.

Removing the Card and Merchant Profile Retrieval Indicator
Use the following procedure to remove the retrieval of data from the Card or
Merchant Profile:
Step Action
1. In the Profile pane, expand a folder in the TrxProfiles_User category.
2. Right-click a transaction profile and click Edit Node.

3. Click the Other DEs and SEs tab.

Step Action
4. Double-click a data element to launch the Edit Field dialog box.
5. Type (notpresent) in the Value field and click OK.
Deleting a Transaction Profile
Use the following procedure to delete a user category Transaction Profile:
Step Action

Step Action
3. From the Profile pane, click a profile in the TrxProfiles_User category.
4. Press the DELETE key.

5. Click OK to a message confirming the delete action.
User Response Profiles

User Response Profiles contain member-defined response values for an
incoming request message during simulator testing. Response profiles use
specific search criteria, identified as “keys”, in conjunction with a
corresponding message type to determine the applicable match to the
incoming messages and therefore the corresponding response. The selected
message type determines the “keys” available as shown in the example below.
Table A.1—Example of Response Profile Message Types and Keys
Message Type Keys

0100 – Authorization 002 – Primary Account Number (PAN)
003 – Processing Code
004 – Amount, Transaction
018 – Merchant Type
022 – POS Entry Mode
0302 – Account Management Service 002 – Primary Account Number (PAN)

Request
101 – File Name
091 – File Update Code

The Response Profile display tree structure separates the profile key as the
primary group and the profile data as a sub-group of the profile key
(Figure A.5).
Figure A.5—Response Profile Tree Structure
With the Professional version, each Response Profile may have multiple
response data entries. This allows the members to create a single profile key
with multiple responses.
Use the following procedure to add profile data to a Response Profile:
Step Action
1. From the Navigator pane, set a testing mode and click Test Preparation.

Step Action
2. In the Test Preparation module, click a Response Profile tab.
3. Select a profile.
4.
Click the Adds new profile data button. The new profile data is
appended to the selected Response Profile.

Step Action
5. Right-click the new profile data and then click Edit node.
6. Modify the data as appropriate. See Entering Network Response Profile Data
in Chapter 4 for details.
Test Results Module

Within the Test Results, members may access the following enhanced options
that are available only in the Professional version of the MasterINQ simulators.


Members may manage the log through the Log Parameters dialog box. From
here, the history log may be organized through the use of uniquely named log
databases.
Creating a History Log Database
Use the following procedure to create a log database:
Step Action
1. From the Test Results window, select File/Manage Log to display the Log
Parameters dialog box.
2. In the Log Parameters dialog box, click Create.

3. Enter a log name in the File name field.
4. Click Open.
5. Click Close.
Once created, the new database name becomes the default until another
database name is selected. The default or selected database name will contain
all testing records in the history log from the moment testing begins until
another name is selected.

Selecting a History Log Database
Use the following procedure to create a history log database:
Step Action
1. From the Test Results window, select File/Manage Log to display the Log
Parameters dialog box.
2. Click Select.
3. Select a database name and click Open.
4. Click Close.
Once selected, the database name becomes the default until another database
name is selected. The default or selected database name will contain all
testing records in the history log from the moment testing begins until another
name is selected.

Test Results Select Transaction Functionality

While in either the Self Testing or IPS Host Testing mode, members may filter
the view of the history log using the Select a Transaction feature.
After running a transaction file through the Test Monitor module, members
may find a specific transaction quickly and easily in the Test Results history log
by using the Select Transaction feature. The Select a Transaction feature uses
the active Transaction File as the basis for the filtering selection. Members
would select a specific transaction(s) from the corresponding tree structure in
the Select a Transaction dialog box.
Use the following procedure to filter the history log using the Select a
Transaction feature:
Step Action
1. Select either the Self Testing or IPS Host Testing mode in the Navigator pane.
2. Start a testing session in the Test Monitor module.
3. Open the Test Results module.
4.
Click the Select a Transaction button.
5. Select either the Do not select or Select a Response Transaction option in the
Select a Transaction dialog box.

Step Action
6. Expand a group and click on a transaction.
7. Click OK.

Step Action
8. The filtered view is immediate. Only the specified selection displays while the
rest is grayed out.
Note
The button acts an on/off toggle for the Select Transaction feature. Within
the Select a Transaction dialog box, click Cancel to deselect or turn off the filter.
Test Results Compare Functionality

In the Test Results module, members may select and compare two transactions
contained in the same history log or in different logs using the Compare
functionality of the Professional version.
When set, the Compare mode grays out all transactions in the Test Results
transaction pane. The member selects the transactions for comparison via a
right-click menu option. Distinction between the selected transactions is
indicated by either blue (compare right) or green (compare left) text in the
Test Results transaction pane. The member determines the right or left display
by selecting either Compare Left or Compare Right from the right-click menu
(Figure A.6).

Figure A.6—Compare Menu
The green text indicates the transaction displays in the left-hand pane of the
Compare dialog box and blue text indicates the transaction displays in the
right-hand pane (Figure A.7).

Figure A.7—Compare
Use the following procedure to use the compare functionality:
Step Action
1. Open a log or logs. These may be the active log or archived log(s).
2.
From the Test Results window, click the Compare button to set the
Compare mode.
3. Click OK.
4. Right-click a transaction to be compared and select Compare Left.

5. Right-click another transaction to be compared and select Compare Right.
6. Right-click the same transaction again and select Show Comparison.

Step Action
7. The Compare dialog box displays the two transactions for comparison.
View Archived Logs

At times, members may need to compare transactions within two different test
logs. In the Professional version, members may open a new Test Results
window to view an archived test logs without closing the active test log.
Use the following procedure to open an additional window in the Test Results
module:
Step Action
1. Open the Test Results module.
2. From the File menu, select Open New Window.

Step Action
3. Select a log in the Select File dialog box and click Open.
4. Resize the new window to view both Test Results windows simultaneously.


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MasterCard Credit Authorization Simulator, July 2006

Change Summary Description of Change Where to Look

Update Table 4.1— Added a new history log icon. Chapter 4

This material may not be duplicated, published, or disclosed, in

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Media This document is available:

MasterCard International Incorporated

© 2006 MasterCard International Incorporated

Using this Manual

Excerpted Text ....................................................................................................... 2

Language Use ......................................................................................................... 2

Chapter 2 Installation Instructions

Simulator Software Distribution..........................................................................2-4

© 2006 MasterCard International Incorporated

First Time Installation..........................................................................................2-8

Simulator Installation Support...........................................................................2-13

Simulator Upgrade Installation .........................................................................2-14

Chapter 3 Simulator Configuration

Chapter 4 Issuer Testing

Advanced Options and Specialized Testing.....................................................4-21

© 2006 MasterCard International Incorporated

Chapter 5 Acquirer Testing

Advanced Options and Specialized Testing.....................................................5-20

Appendix A Professional Version

© 2006 MasterCard International Incorporated

Excerpted Text .......................................................................................................2

Language Use .........................................................................................................2

© 2006 MasterCard International Incorporated

© 2006 MasterCard International Incorporated

For operational purposes, MasterCard refers to time frames in this manual as

© 2006 MasterCard International Incorporated

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With each revision, we include a “Summary of Changes” describing how the

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© 2006 MasterCard International Incorporated

© 2006 MasterCard International Incorporated

The MasterCard Credit Authorization Simulator tests messages using the

MasterCard updates the simulator in accordance with the Banknet® release

The MasterCard Credit Authorization Simulator allows members to test their

© 2006 MasterCard International Incorporated

Figure 1.1—IPS Host Testing

Authorization Request Response/0110

• APS Host Testing: The simulator responds to the Authorization Request/0100