Falcon services

Overview

Falcon services provide a comprehensive suite of fraud detection capabilities focused on monitoring and protecting payment card transactions and account activities. The system handles both monetary and nonmonetary data streams, combining account, customer, and transaction-level information to maintain a robust fraud detection framework.

Real-Time Authorization Engine

Instant transaction validation and decision-making for both credit and debit card purchases at point of sale.

Multi-Level Data Intelligence

Unified processing of account, customer, and card information for comprehensive fraud detection.

Dynamic Profile Management

Real-time updates and monitoring of customer profiles, travel notifications, and account changes.

Secure Card Data Handling

Robust PAN management system with secure mapping between cards and accounts.

Transaction Monitoring System

End-to-end tracking of retail banking transactions, payments, and fund movements.

Flexible Update Framework

Seamless integration of monetary and non-monetary data updates across all service levels.

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Account Information Summary(Post)

This data feed provides account-level nonmonetary information. There is one AIS record for each account.

Customer Information Summary(Post)

This record provides customer-level nonmonetary information, such as mailing address, telephone number, and relationship with the financial institution. There is one CIS record for each account.

Credit Authorization(Post)

A Credit Authorization data feed contains information about a credit authorization request. A credit authorization request occurs when the card is presented to the merchant and the merchant sends the information about the purchase to the card issuer to determine whether the purchase should proceed or not. A Credit Posting data feed contains information about a credit transaction that has already occurred and is used to tell the issuer about the transaction.

Debit Authorization(Post)

A Debit Authorization data feed contains information about a Debit authorization request. A Debit authorization request occurs when the card is presented to the merchant and the merchant sends the information about the purchase to the card issuer to determine whether the purchase should proceed or not. A Debit Posting data feed contains information about a Debit transaction that has already occurred and is used to tell the issuer about the transaction.

Nonmonetary(Post)

This data feed provides a method to update specific fields in the customer-level, account-level, or PAN-level nonmonetary information. A nonmonetary transaction is used to convey an update to a field in a CIS, AIS or PIS record or to convey other relevant nonmonetary information, such as when a customer is traveling.

PAN Information Summary(Post)

This record provides contains Primary Account Number (PAN)-level nonmonetary information. For Falcon Fraud Manager debit or credit usage, there are one or more PIS records for each account indicated by an Account Information Summary (AIS) record.

Retail Banking Transactions(Post)

This data feed can be used for adding, removing, or transferring information about retail banking transactions. It contains information about a payment or deposit. A transaction occurs when funds are moved out of, or into, a retail banking account.

PAN Information Summary

Status:

Production

Version:

V2

Product:

FalconServices

Overview

Node	Child Node	Type	Length	Description
Authorization* required	Bearer xxxx* required	string		Authorization Header (Bearer Token)
Content-Type* required	application/json* required	string		Content Type

Node Type							Type	Length	Description
NISrvRequest	request_PIS	header	msg_id* required				string	12	Message ID, this field should be unique id for each Api call. This will be generated from client side. If the same message ID is used the system will decline the API call with Error Description “Duplicate Message ID”
			msg_type* required				string	12	Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION”
			msg_function* required				string	50	Message functions: Should be “REP_FALCON_PIS”
			src_application* required				string	10	Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: TIBCO, IB, MB No Validations of these are kept at Network Systems
			target_application* required				string	10	The target_application can hold any value from FI side, this can be used by FI to check the target system of the API call
			timestamp* required				string	30	Timestamp of the request - Format YYYY-MM-DDtHH:MM:SS.SS +04:00
			bank_id* required				string	4	Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NIC”
		body	tranCode				string	3	The action code. Note tranCode values must be greater or equal to 100.
			source				string	10	Name of source application.Note A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and dest values are reversed.
			dest				string	10	Name of destination application. Note A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and dest values are reversed.
			extendedHeader				string	1024	Extended header. Contains data used by, and returned unaltered to, the requesting system.
			workflow				string	16	Contains the name of the workflow to be executed by Falcon Fraud Manager.
			recordType				string	8	PIS20.
			dataSpecificationVersion				string	5	the value 2 should be added
			clientIdFromHeader				string	16	Unique identifier for the client or subclient. The value of this field is determined jointly by the client and FICO.
			recordCreationDate				string	8	format yyyymmdd Date that this record was created. Time zone must be GMT.
			recordCreationTime				string	6	format hhmmss Time that this record was created. Time zone must be GMT.
			recordCreationMilliseconds				string	3	format sss Milliseconds portion of the time that this record was created.
			gmtOffset				string	6	Filled with blanks.
			customerIdFromHeader				string	20	Primary Customer Identifier. Financial institution's unique identifier for the primary customer for the account.
			customerAcctNumber				string	40	Unique identifier for the account associated with the transaction/record.
			externalTransactionId				string	32	Client-generated unique transaction ID that is unique across all data feeds for a specific installation of Falcon Fraud Manager.
			pan				string	19	Primary Account Number (PAN) of the payment instrument. This is the number encoded or embossed on the payment instrument.
			type				string	1	Type of the card: C = Credit card, D = Debit card, M = Multi-card (combined credit and debit), P = Pre-paid (stored value)
			subType				string	2	Card subtype: B = Commercial, corporate, business, purchasing, fleet, and so on.
			category				string	1	Card category: P = Platinum, G = Gold, S = Standard
			association				string	1	Credit card association under which the card was issued: A = AMEX, D = Discover, J = JCB, M = MasterCard, N = Diners Club, O = Other, P = Proprietary, V = Visa
			panOpenDate				string	8	Date on which a card was first provided on the account.
			memberSinceDate				string	8	Card member since date, as printed on the card.
			issuingCountry				string	3	ISO numeric country code for the country from which the card was issued.
			cardholderCity				string	40	PAN primary address: city
			cardholderStateProvince				string	5	PAN primary address: state or province.
			cardholderPostalCode				string	10	PAN primary address: postal code.
			cardholderCountryCode				string	3	PAN primary address: ISO numeric country code.
			numberOfPaymentIds				string	3	Number of activated payment instruments for this Primary Account Number (PAN).
			paymentInstrumentId				string	30	Filled with blanks for initial PIS record for each PAN. For token provisioning, populated with most recent token or virtual card number.
			status				string	2	"Current card status: 00 = Open, non-statused, active 11 = Open, inactive 20 = Closed 21 = Closed, cardholder request 22 = Closed, bankruptcy or filing for bankruptcy 23 = Closed, bank action (revoked) 24 = Closed, charged-off 25 = Closed, fraud 26 = Closed, stolen 27 = Closed, lost 28 = Closed, deceased 29 = Closed, other 30 = Closed, due to inactivity 31 = Closed, non-fraud, transacted at point of compromise (POC) 32 = Closed, bank-initiated upgrade of card technology 33 = Closed, customer verified attempted fraud 40 = Statused, other (blocked)"
			statusDate				string	8	Effective date of current status.
			pinLength				string	2	Length of PIN.
			pinSetDate				string	8	Date on which the PIN was last set.
			pinType				string	1	Type of PIN: I = Issuer selected, C = Customer selected, Blank = Unknown
			activeIndicator				string	1	PAN activation indicator: Y = Yes, N = No
			nameOnInstrument				string	40	Name that appears on the payment instrument(s). Fill with blanks if the name is not the same for all payment instruments with the specified PAN.
			expirationDate				string	8	PAN expiration date.
			lastIssueDate				string	8	PAN issue date.
			plasticIssueType				string	1	Card issue type for most recently issued payment instrument: F = Force emboss, I = Initial issue, R = Normal reissue, S = Special reissue, T = Token or virtual card issue, Blank = Unknown/other
			incentive				string	1	Incentive program associated with the PAN, if any. Valid values: A = Auto discount, C = Cash back, F = Frequent-flier miles, G = Gas discount, H = Charity contribution, I = Internet discount, L = Telephone discount, M = Merchandise rebate, O = Other, R = General purpose points/rewards, N = None
			currencyCode				string	3	ISO numeric currency code. This is the currency unit used for all currency-based fields.
			currencyConversionRate				string	13	The multiplicative currency conversion rate that is used to convert the currency specified in currencyCode to US dollars.
			creditLimit				string	10	Credit limit for the PAN. Expressed in full units of the currency specified in currencyCode.
			overdraftLimit				string	10	Overdraft limit for the PAN. Expressed in full units of the currency specified in currencyCode.
			dailyPosLimit				string	10	Daily limit for POS transactions for the PAN. Expressed in full units of the currency specified in currencyCode.
			dailyCashLimit				string	10	Daily limit for cash (ATM) transactions for the PAN. Expressed in full units of the currency specified in currencyCode.
			cashbackLimitMode				string	1	Indicates which daily limit cashback counts towards: 0 = No daily limits, 1 = Cashback debited from POS limit, 2 = Cashback debited from CASH limit, 3 = Cashback debited from POS limit and CASH limit, 4 = Cashback not debited from POS limit or CASH limit
			mediaType				string	1	Medium carrying the payment information: C = Chip card, D = Contactless-capable chip card, M = Magnetic-stripe card, N = Contactless
			aipStatic				string	1	Indicates the ability of a chip card to support Static Data Authentication (SDA) as part of the Application Interchange Profile: Y = SDA is supported, N = SDA is not supported, Blank = Unknown/not provided.
			aipDynamic				string	1	Indicates the ability of a chip card to support Dynamic Data Authentication (DDA) as part of the Application Interchange Profile: Y = DDA is supported, N = DDA is not supported, Blank = Unknown/not provided.
			aipVerify				string	1	Indicates the ability of a chip card to support Cardholder Verification as part of the Application Interchange Profile: Y = Cardholder Verification is supported, N = Cardholder Verification is not supported, Blank = Unknown/not provided.
			aipRisk				string	1	Indicates the ability of a chip card to perform Terminal Risk Management as part of the Application Interchange Profile: Y = Terminal Risk Management is to be performed, N = Terminal Risk Management is not to be performed, Blank = Unknown/not provided.
			aipIssuerAuthentication				string	1	Indicates the ability of a chip card to support Issuer Authentication as part of the Application Interchange Profile: Y = Issuer Authentication is supported, N = Issuer Authentication is not supported, Blank = Unknown/not provided.
			aipCombined				string	1	Indicates the ability of a chip card to support DDA/AC Generation (CDA) as part of the Application Interchange Profile: Y = CDA is supported, N = CDA is not supported, Blank = Unknown/not provided.
			chipSpecification				string	1	Chip specification: V = VIS, C = CCD, M = M/Chip, Blank = Unknown/not provided.
			chipSpecVersion				string	3	Chip specification version. Examples: 140 = Version 1.4, 210 = Version 2.1, 400 = Version 4.0.
			offlineLowerLimit				string	2	Lower consecutive off-line limit for card. Blank = Unknown/not provided.
offlineUpperLimit				string	2	Upper consecutive off-line limit for card. Blank = Unknown/not provided.
userIndicator01				string	1	User-defined information. Editable in Falcon Expert rules
userIndicator02				string	1	User-defined information. Editable in Falcon Expert rules
userIndicator03				string	1	User-defined information. Editable in Falcon Expert rules
userIndicator04				string	1	User-defined information. Editable in Falcon Expert rules
userIndicator05				string	1	User-defined information. Editable in Falcon Expert rules
userCode1				string	6	User-defined information.
userCode2				string	6	User-defined information.
userCode3				string	6	User-defined information.
userCode4				string	8	User-defined information.
userCode5				string	8	User-defined information.
userData01				string	6	User-defined information.Editable in Falcon Expert rules.
userData02				string	6	User-defined information.Editable in Falcon Expert rules.
userData03				string	6	User-defined information.Editable in Falcon Expert rules.
userData04				string	8	User-defined information. Editable in Falcon Expert rules.
userData05				string	8	User-defined information.Editable in Falcon Expert rules.
userData06				string	8	User-defined information.Editable in Falcon Expert rules.
userData07				string	10	User-defined information.Editable in Falcon Expert rules.

{"NISrvRequest":{"request_PIS":{"header":{"msg_id":"236001","msg_type":"TRANSACTION","msg_function":"REP_FALCON_PIS","src_application":"TIBCO","target_application":"FALCON","timestamp":"2020-07-20T10:49:02.366+04:00","bank_id":"default"},"body":{"tranCode":"102","source":"TIBCO","dest":"FALCON","extendedHeader":"EXTENDEDHEADER120001","workflow":"modelSTUB","recordType":"PIS20","dataSpecificationVersion":"2.0","clientIdFromHeader":"D360","recordCreationDate":"20230912","recordCreationTime":"160912","recordCreationMilliseconds":"234","gmtOffset":"+03.00","customerIdFromHeader":"12345000000001","customerAcctNumber":"0009991110000000001","externalTransactionId":"D360PIS000000000001","pan":"1234567890123456789","type":"C","subType":"B","category":"P","association":"M","panOpenDate":"20220101","memberSinceDate":"20190101","issuingCountry":"840","cardholderCity":"New York","cardholderStateProvince":"NY","cardholderPostalCode":"10001","cardholderCountryCode":"840","numberOfPaymentIds":"3","paymentInstrumentId":"123456789012345678901234567890","status":"00","statusDate":"20220101","pinLength":"4","pinSetDate":"20220101","pinType":"I","activeIndicator":"Y","nameOnInstrument":"John Doe","expirationDate":"20251231","lastIssueDate":"20220101","plasticIssueType":"F","incentive":"A","currencyCode":"840","currencyConversionRate":"1.234567","creditLimit":"10000","overdraftLimit":"5000","dailyPosLimit":"2000","dailyCashLimit":"1000","cashbackLimitMode":"1","mediaType":"D","aipStatic":"Y","aipDynamic":"Y","aipVerify":"Y","aipRisk":"Y","aipIssuerAuthentication":"Y","aipCombined":"Y","chipSpecification":"V","chipSpecVersion":"140","offlineLowerLimit":"05","offlineUpperLimit":"15","userIndicator01":"A","userIndicator02":"B","userIndicator03":"C","userIndicator04":"D","userIndicator05":"E","userCode1":"UC1","userCode2":"UC2","userCode3":"UC3","userCode4":"UC4","userCode5":"UC5","userData01":"U DAT1","userData02":"U DAT2","userData03":"U DAT3","userData04":"USR DAT4","userData05":"USR DAT5","userData06":"USR DAT6","userData07":"USER DAT07"}}}}

{
    "NISrvRequest": {
        "request_PIS": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_FALCON_PIS",
                "src_application": "TIBCO",
                "target_application": "FALCON",
                "timestamp": "2020-07-20T10:49:02.366+04:00",
                "bank_id": "default"
            },
            "body": {
                "tranCode": "102",
                "source": "TIBCO",
                "dest": "FALCON",
                "extendedHeader": "EXTENDEDHEADER120001",
                "workflow": "modelSTUB",
                "recordType": "PIS20",
                "dataSpecificationVersion": "2.0",
                "clientIdFromHeader": "D360",
                "recordCreationDate": "20230912",
                "recordCreationTime": "160912",
                "recordCreationMilliseconds": "234",
                "gmtOffset": "+03.00",
                "customerIdFromHeader": "12345000000001",
                "customerAcctNumber": "0009991110000000001",
                "externalTransactionId": "D360PIS000000000001",
                "pan": "1234567890123456789",
                "type": "C",
                "subType": "B",
                "category": "P",
                "association": "M",
                "panOpenDate": "20220101",
                "memberSinceDate": "20190101",
                "issuingCountry": "840",
                "cardholderCity": "New York",
                "cardholderStateProvince": "NY",
                "cardholderPostalCode": "10001",
                "cardholderCountryCode": "840",
                "numberOfPaymentIds": "3",
                "paymentInstrumentId": "123456789012345678901234567890",
                "status": "00",
                "statusDate": "20220101",
                "pinLength": "4",
                "pinSetDate": "20220101",
                "pinType": "I",
                "activeIndicator": "Y",
                "nameOnInstrument": "John Doe",
                "expirationDate": "20251231",
                "lastIssueDate": "20220101",
                "plasticIssueType": "F",
                "incentive": "A",
                "currencyCode": "840",
                "currencyConversionRate": "1.234567",
                "creditLimit": "10000",
                "overdraftLimit": "5000",
                "dailyPosLimit": "2000",
                "dailyCashLimit": "1000",
                "cashbackLimitMode": "1",
                "mediaType": "D",
                "aipStatic": "Y",
                "aipDynamic": "Y",
                "aipVerify": "Y",
                "aipRisk": "Y",
                "aipIssuerAuthentication": "Y",
                "aipCombined": "Y",
                "chipSpecification": "V",
                "chipSpecVersion": "140",
                "offlineLowerLimit": "05",
                "offlineUpperLimit": "15",
                "userIndicator01": "A",
                "userIndicator02": "B",
                "userIndicator03": "C",
                "userIndicator04": "D",
                "userIndicator05": "E",
                "userCode1": "UC1",
                "userCode2": "UC2",
                "userCode3": "UC3",
                "userCode4": "UC4",
                "userCode5": "UC5",
                "userData01": "U DAT1",
                "userData02": "U DAT2",
                "userData03": "U DAT3",
                "userData04": "USR DAT4",
                "userData05": "USR DAT5",
                "userData06": "USR DAT6",
                "userData07": "USER DAT07"
            }
        }
    }
}

Node	Child Node		Type	Length	Description
Content-Type	application/json		string		Content Type

Node Type							Type	Length	Description
NISrvResponse	response_PIS	header	msg_id* required				string	12	Message ID, this field should be unique id for each Api call. This will be generated from client side. If the same message ID is used the system will decline the API call with Error Description “Duplicate Message ID”
			msg_type* required				string	12	Message Type – This can have either “TRANSACTION” or “ENQUIRY” As for this API the value expected is “TRANSACTION”
			msg_function* required				string	50	Message functions: Should be “REP_PIS”
			src_application* required				string	10	Source Application: This is a free Text and the client can populate the source system from where the API is Initiated Example: TIBCO, IB, MB No Validations of these are kept at Network Systems
			target_application* required				string	10	The target_application can hold any value from FI side, this can be used by FI to check the target system of the API call
			timestamp* required				string	15	Timestamp of the response - Format YYYY-MM-DDtHH:MM:SS.SSS+04:00
			bank_id* required				string	4	Bank Id is Unique Id 4 digit code for each client and the same will be provided once the client setup is completed in our core system. For sandbox testing – Please use “NIC”
		exception_details	application_name* required				string	20	Application Name
			date_time* required				string	30	Timestamp of the response Format “YYYY-MM-DD HH:MM:SS”
			status* required				string	1	Status of the request (S/F)
			error_code* required				string	4	EAI Internal Error Code (Check error codes section for the complete list of error codes and error code descriptions)
			error_description* required				string	100	Error Description (Check error codes section for the complete list of error codes and error code descriptions)
			transaction_ref_id				string	20	The tracking_id sent in the request will be sent back in response in this field.
		body	tran_code* required				number	3	The transaction code. 101 for auth, 102 for advice, 108 for profile maturation.
			source* required				string	10	Name of source application. Note: A header accompanies both a message from a sender to a recipient, and a response from the recipient to the sender. In the response, the source and destination values are reversed.
			destination* required				string	10	Name of destination application.
			extended_header* required				string	1024	Extended header. Contains data used by, and returned/unaltered to, the requesting system. For example: Tracking identifier used by requesting system.
			responseRecordVersion* required				string	1	The response_record_version specifies the version of the scoring response layout. This field is included to support building libraries that support reading multiple versions of scoring response messages.
			scoreCount* required				string	2	This field specifies the number of scores in the response message and has values from 0 to 8.
decisionCount* required				string	2	This field specifies the number of decisions in the response message and has values from 0 to 10.

{"NISrvResponse":{"response_PIS":{"header":{"msg_id":"236001","msg_type":"TRANSACTION","msg_function":"REP_FALCON_PIS","src_application":"TIBCO","target_application":"FALCON","timestamp":"2020-07-20T06:49:02.366Z","bank_id":"default"},"exception_details":{"application_name":"TCC-ADP","date_time":"2023-02-01T16:39:47.314+04:00","status":"S","error_code":"000","error_description":"Success","transaction_ref_id":"236001"},"body":{"tran_code":101,"source":"PMAX","destination":"TIBCO","extended_header":"EXTENDEDHEADER120001","responseRecordVersion":"4","scoreCount":"00","decisionCount":"0"}}}}

{
    "NISrvResponse": {
        "response_PIS": {
            "header": {
                "msg_id": "236001",
                "msg_type": "TRANSACTION",
                "msg_function": "REP_FALCON_PIS",
                "src_application": "TIBCO",
                "target_application": "FALCON",
                "timestamp": "2020-07-20T06:49:02.366Z",
                "bank_id": "default"
            },
            "exception_details": {
                "application_name": "TCC-ADP",
                "date_time": "2023-02-01T16:39:47.314+04:00",
                "status": "S",
                "error_code": "000",
                "error_description": "Success",
                "transaction_ref_id": "236001"
            },
            "body": {
                "tran_code": 101,
                "source": "PMAX",
                "destination": "TIBCO",
                "extended_header": "EXTENDEDHEADER120001",
                "responseRecordVersion": "4",
                "scoreCount": "00",
                "decisionCount": "0"
            }
        }
    }
}

Code	Description
200	Sample Description
400	Bad Request
401	Unauthorized
403	Forbidden
500	Internal Server Error
502	Bad gateway
503	Scheduled Maintenance
504	Gateway Timeout
596	Service Not Found

FalconServices

Falcon services

Overview

Real-Time Authorization Engine

Multi-Level Data Intelligence

Dynamic Profile Management

Secure Card Data Handling

Transaction Monitoring System

Flexible Update Framework

Account Information Summary(Post)

Customer Information Summary(Post)

Credit Authorization(Post)

Debit Authorization(Post)

Nonmonetary(Post)

PAN Information Summary(Post)

Retail Banking Transactions(Post)

PAN Information Summary

Status:

Production

Version:

V2

Product:

FalconServices

Overview

PAN Information Summary

Status:

Production

Version:

V2

Product:

FalconServices

Header Request Parameters

Request Parameters

Sample Request

Header Response parameters

Response parameters

Sample Response

Error Code