Ref FLCGCB20210516 Rashid Bank

Technical proposal
Ref: FLCGCB20210523
First Line Code Company - Address Iraq – Baghdad Al Mansoor Building Business Avenue fl-2
Mobile: 077 25 25 98 98. Email: info@firstlinecode.com
Who Are we?
First-Line Code.
First-line Code company managed by highly experienced information

technology professionals and offers consulting services in the areas of
Software Development, IT Infrastructure Management, Security Infrastructure
design, Quality Assurance, and implementation. First-line Code Co. has
considerable experience delivering solutions in the integration system with a
multi-Core Bank system.
Converge through its alliances is able to attain goals and objectives that one
company cannot achieve alone. These are based on a win-win mindset,
mutual trust, commitment and the sharing of risks and rewards to benefit
customers directly. Our professionals have several hundred person-years of
experience consulting with organizations and implementing our proposed and
customer desired solutions.
CRSA system and Terminal Settlement System:
1. C.R.S.A Module's license:
A. Matching:
Raw Files Filter Criteria:
1. CBS File.
2. Switch File.
3. MasterCard IPM Files – CBI IPM File.
B. Settlement:
MasterCard - CBI uses only one settlement window for both dual-message and
single-message transactions and settlement is done on an aggregate net
basis.
For issuers, most of their customers’ activity is in the debit category —

cardholders are making purchases for which the issuer will pay into a
settlement on their behalf. MasterCard calculates the total of the debits,
deducts the total of the credits and the net remaining amount is collected
from the issuer through settlement.
For acquirers, most of their merchants’ activity is in the credit
category, but merchants also conduct transactions, such as refunds, which
create debits. These debits are subtracted from the total of funds owed to
the acquirer and the net amount is deposited into the bank’s account
through settlement.
C. Accounting:
Accounting is the recording and tabulation of inputs and operations
that represent transaction events according to a CRSA system and the
ability to integrate the CRSA System with core bank system to
Issuing accounting entries as ("debit or credit").
D. Chargeback:
Stage Description MIT-Function Code(s)

First Acquirer submits the transaction to the issuer. 1240-200
Presentment
Cardholder or issuer disputes the first presentment.
Retrieval Issuer may request a copy of the sales receipt to support or 1644-603
Request identify a potential chargeback.
Note: Most chargebacks do not require a retrieval request.
Chargeback Issuer initiates a chargeback within the time frame 1442-450 (full amount)
applicable to the specific message reason. 1442-453 (partial
amount)
Second When applicable, the acquirer may process a second 1240-205 (full amount)
Presentment presentment within 45 calendar days of the chargeback date. 1240-282 (partial
amount)
Arbitration When applicable, the issuer may initiate an arbitration 1442-451 (full amount)
Chargeback chargeback within 45 calendar days of the date of the second 1442-454 (partial
presentment. amount)
Arbitration The acquirer may file an arbitration case to MasterCard, for N / A
Case Filing a decision on the dispute, within 45 calendar days of the
date of the arbitration chargeback.
E. Second Presentment:
When applicable, the acquirer may process a second presentment
within 45 calendar days of the chargeback date.
F. Foreign Exchange:
portal for Foreign Exchange all most currencies by providing to the
system via files TT057 coming from Mastercard.
G. Converter IPM File:

This module for a converter and decrypt IPM file to Excel file as a
readable file you can use it to check reconciliation manually for an
emergency issue.
H. Issuer:
Settlement, Accounting and Reconciliation for issuer (Mastercard
Card) local and international transactions.
I. Acquirer:
Settlement, Accounting for Acquirer local and international
transactions.
J. Number of BIN:
Our system work with multi-BIN at the same time like (Prepaid –
Debit card) or multi-BIN with the same classification. The system
extracts the Transactions of the bank through BIN & ICA even if the
ICA is shared by several banks or the so-called affiliate. It also
avoids human errors in the event that a previously upload same file
is repeatedly uploaded.
K. System Implementation:
prepare the server with all system settings required to be ready for
installation of the system in the local server at the bank and
integration the system with Database Microsoft SQL Server.
And we will install two servers.
1- Test server.
2- Live server.
2. Business training per session:
A. Issuer:
B. Acquirer:
C. Transaction Fee
D. Transaction Life cycle “ATM – POS – POC – Online”:
E. Reconciliation:
F. Settlement:
G. Accounting:
H. 1st, 2nd Chargeback:
I. 1st, 2nd Presentment:
J. Refund:
3. System Integration with Temenos (Core Bank).
integrated the reconciliation system with the core bank system to

complete the settlement process of the transaction life cycle (Refund -
Transaction Fees - Chargeback - capture - purchase).
A. Issuer Transactions:
B. Acquirer Transactions:
C. Settlement:
D. Accounting:
E. Transactions Fees:
F. Refund:
G. Chargeback:
4. Terminal Settlement System (TSS).
Settlement generates a warning message when a mismatch occurs between
monies received or monies paid with transactions as Issuer, Acquirer, or
fees, enabling your business to take corrective action to identify and
recover any missing revenues.
A. ATM Settlement: Automated Teller Machine.

B. POC Settlement: Point of Cash
C. POS Settlement: Point of sell
D. TSS Implementation:
prepare the server with all system settings required to be ready for
installation of the system in the local server at the bank and
integration the system with Database Microsoft SQL Server.
And we will install two servers.
1- Test server.
2- Live server.
info@firstlinecode.com
+964-7725259898
+9647807997755
+962796059742
WhatsApp – Viber
https://www.linkedin.com/company/first-line-code
Baghdad Al-Mansour, opposite Al-Mansour

Mall, Business Avenue Building, Second Floor

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Technical proposal

First-line Code company managed by highly experienced information

For issuers, most of their customers’ activity is in the debit category —

Stage Description MIT-Function Code(s)

G. Converter IPM File:

3. System Integration with Temenos (Core Bank).

integrated the reconciliation system with the core bank system to

A. ATM Settlement: Automated Teller Machine.

Baghdad Al-Mansour, opposite Al-Mansour

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