The institution keeps accurate audit trails at every network switch point identifying originating terminal and destination, procedures to control transaction activity when the EFT/POS network is inoperable, documented and monitored balancing and settlement procedures that adhere to interchange policies, adequate transaction journals and exception reports, stand-in processing arrangements with peer institutions in its continuity plans, oversight and contract provisions for outsourced services, participant agreements that delineate liabilities, controls for normal and contingency processing, corrective action, grievance and arbitration procedures, and NACHA-compliant origination of internet-initiated (WEB) and telephone-initiated (TEL) ACH debits with the warranties those rules require.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.