Transaction lifecycle

nCore platform creates and keeps electronic messages received from the payment card network as an object called transaction.

Transaction state changes during their lifecycle depends on whether they are in a temporary state or final state. Temporary and final transactions states are closely related to single-message and dual-message transactions.

In dual-message transaction system there are two or more transaction messages requires to complete, for example:

  • The merchant submits an electronic message containing the information required for an authorization decision at the time or purchase.

  • Later point in time, the merchant submits another electronic message containing additional data which is required for clearing and settlement.

In this scenario, the first message is a temporary transaction, which means it can be reversed. The last message is a final transaction.

Temporary transaction messages, such as authorizations flows in real time from the merchant to the issuer processor and these are handled synchronously. However, the final transaction messages are handled asynchronously because these requests can be submitted later.

Some transactions, for example a PIN based transactions contain all the information required for authorization and clearing in a single electronic message. These transactions are typically considered as final transactions that are handled synchronously.

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