External Account Check
- Transaction details is sent to DDA system, for the validation of the credit account. If External Account Check is ‘Approved’, the transaction is marked as ‘Processed’ and response message is generated.
- If the EAC status is ‘Rejected’, ‘Interim’, then the transaction is rejected with ISO Response Code: UB (UNABLE TO PROCESS. System do not consider EAC/DDA Final Response for the ‘interim’ status.
- If the EAC status is ‘Pending’, OBPM awaits a response from EAC/DDA system
and based on the response received, it processes further as above.
Note:
Customer and account status checks are done by the external ECA system along with account balance check.
Transaction Status - Queue Code
| Transaction Status | Applicable Queue Code for IMPS | Remarks |
|---|---|---|
| In Progress | <SC/EA> | Transaction is under progress (or) response is pending from External systems. Queue Code is applicable if response is pending from External systems
|
| Processed | ## | OUT success response message is generated. |
| Seized | ## | Sanction Seized. |
| Rejected | ## | On any validation failure / Non-positive response from external system. |
Parent topic: Inbound IMPS Payment Processing