Various Cards - Transaction Flows

Category	Description
On us	Transaction which is coming from own ATM or POS , and never routed outside.
Network On us	Transaction originates from a sharing network , such as STAR or Pulse , in which both the bank and the device owning bank are members of the same network.
Reciprocal Transaction	Cardholder initiates a Transaction at a device that is owned by bank which is member of different regional networks.
National Bridge Transactions	The card holder uses a device at a bank that is not their own, and the two banks belong to different regional networks that do not have any agreement. Both banks must belong to the same national network. The transaction is handed from the ATM or POS regional network to the national network, and finally to the authorizing bank’s regional network. In this case, there are three switches involved.

Both the regional and national networks are switching systems that, to a fair extent,
resemble the systems that are used within the financial institution. The switching systems
drive transactions from initiation to destination. We use the word "switches" to describe the
hand-off of a transaction from host-to network-to host:

-  An ATM or POS transaction is accepted by an acquiring device that can accept cards from
the issuing institution and either processed locally “On Us” or switched to one of the regional networks “Network On Us”.

- The Networks either switch the transaction to another institution host for processing
“Network On Us” or switch the transaction to a national network “National Bridge or Reciprocal".

- Responses are switched from the owning host of the device, “On Us”, to the device or switched to a network “Network On Us”.

- The network either switches a Host Response to the Transaction to the Host of member bank
"Network on us" or switches the response to another network "National Bridge" or "Reciprocal".

- The network switches the response to another network for later switches to the issuer Host.