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An Issuer Solution With Host Authorization
In this example, the ASx solution is once again installed in two
locations, connected by dual TCP/IP Wans. ASx could either be configured in load-sharing
mode or in primary/secondary mode. The network management will be responsible for
routing transaction messages arriving from the networks to the appropriate ASx for
processing. There are various ways to achieve this depending upon the mode of operation
required. As always, the important point is that one ASx will take the load of another
immediately when a failure occurs.
For redundancy, there are twin Visa, MasterCard and domestic interchange access
points. Additionally, there are two connections to the host authorization system.
ASx will automatically switch to an alternate interface or access point should it
detect a failure. Twin hardware security modules (HSM) are connected at each site
to provide redundancy and to enhance performance.
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HotSync® is used to maintain the integrity of the data used by both ASx systems
running at the two locations.
Authorization is normally performed on the connected host system. ASx will perform
some basic pre-authorization checks before passing the transaction to the host for
final processing. ASx can perform stand-in authorization should the host become
unavailable for any reason. The authorization will be conducted against predefined
limits, conditions and rules. Following a failure and when the host becomes accessible
again to ASx, transactions completed and stored during the offline period will be
forwarded to the host.
Not-on-us transactions received from the domestic interface shall be routed to the
Visa or MasterCard networks for processing. On-us transactions originating from
any network shall be processed directly by ASx.
ASx shall provide the required settlement for the domestic interface. ASx provides
Visa Base 2 and MasterCard ECCF/ICF clearing interfaces.
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