SmartVista Front-End supports the following authorisation methods:

The authorisation method(s) used will be identified individually for all BIN's under which the Bank issues cards and may therefore be different for debit and credit cards. In addition to the checks mentioned above, all authorisation methods include verification of PIN, card settings (expiration date, status, restrictions) and account settings (status and restrictions). For instance, the card expiration date check consists in comparing the ExpireDate value on the magnetic stripe and in the SmartVista database, and if these values do not match, the authorisation is denied.

The following is an example of the account restriction statuses that are checked:

Based on the result of the authorisation, the SmartVista Authorisation Engine will generate a response code that will be automatically converted into a Card Network response code if the authorisation message needs to go to the Network Interface. Similarly, if a Card Network response code has been received in an Us-on-Them situation, it is automatically converted to the SmartVista standard.