Card Simulator Static Data Elements 1st Application, AID = 'A0 00 00 00 04 30 60', Type = MCHIP4 PayPass Application Label [50] = MP11 v2 2 Application Version Number [9F 08] = 00 02 Application Priority Indicator [87] = 01 Application Primary Account Number [5A] = 67 99 99 89 00 00 00 60 11 7F Application Primary Account Number Sequence Number [5F 34] = 01 Reference PIN [INTERNAL] = 24 00 00 FF FF FF FF FF MasterKeyAC MasterKeySMC MasterKeySMI Application Currency Code [9F 42] = 09 78 Code (num) = 09 78 Code (an) = EUR Currency = Euro Issuer Country Code [5F 28] = 00 56 Country Code = 00 56 Country Name = Belgium Application Interchange Profile [82] = 19 80 Byte 1 bit 8 = 0 RFU bit 7 = 0 Offline static data authentication is NOT supported bit 6 = 0 Offline dynamic data authentication is NOT supported bit 5 = 1 Cardholder verification is supported bit 4 = 1 Terminal risk management is to be performed bit 3 = 0 Issuer authentication is NOT supported bit 2 = 0 Reserved for use by the EMV Contactless Specifications bit 1 = 1 Combined DDA / GENERATE AC supported Byte 2 bit 8 = 1 EMV Contactless supported bit 7 = 0 Reserved for use by the EMV Contactless Specifications bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Application Usage Control [9F 07] = FF 00 Byte 1 bit 8 = 1 Valid for domestic cash transactions bit 7 = 1 Valid for international cash transactions bit 6 = 1 Valid for domestic goods bit 5 = 1 Valid for international goods bit 4 = 1 Valid for domestic services bit 3 = 1 Valid for international services bit 2 = 1 Valid at ATMs bit 1 = 1 Valid at terminals other than ATMs Byte 2 bit 8 = 0 Domestic cashback NOT allowed bit 7 = 0 International cashback NOT allowed bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Cardholder Verification Method List [8E] = 00 00 00 00 00 00 00 00 41 03 44 03 5E 03 42 03 5F 03 Amount X = 00 00 00 00 Amount Y = 00 00 00 00 CVM 1: [41 03] (Plaintext PIN verification performed by ICC) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000001 (Plaintext PIN verification performed by ICC) Byte 2 = '03' (If terminal supports the CVM type) CVM 2: [44 03] (Enciphered PIN verification performed by ICC) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000100 (Enciphered PIN verification performed by ICC) Byte 2 = '03' (If terminal supports the CVM type) CVM 3: [5E 03] (Signature (paper)) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 011110 (Signature (paper)) Byte 2 = '03' (If terminal supports the CVM type) CVM 4: [42 03] (Enciphered PIN verified online) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000010 (Enciphered PIN verified online) Byte 2 = '03' (If terminal supports the CVM type) CVM 5: [5F 03] (No CVM required) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 011111 (No CVM required) Byte 2 = '03' (If terminal supports the CVM type) Additonal Check Table [D3] = 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 Position in CDOL1 related data = 00 Length in CDOL1 related data = 00 Number of entries = 00 Entries = 00 Application Control [D5] = 84 00 Byte 1 bit 8 = 1 Magstripe grade issuer activated bit 7 = 0 Do not skip CIAC-default on CAT3 bit 6 = 0 RFU bit 5 = 0 Key for offline encrypted PIN verification: DDA key; RFU for M/Chip Lite 4 bit 4 = 0 Offline encrypted PIN verification: Not supported; RFU for M/Chip Lite 4 bit 3 = 1 Offline plaintext PIN verification: Supported bit 2 = 0 Session key derivation: EPI/MCI bit 1 = 0 Do not encrypt offline counters Byte 2 bit 8 = 0 RFU bit 7 = 0 RFU bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 Do not activate additional check table bit 2 = 0 Do not allow retrieval of balance bit 1 = 0 Do not include counters in AC Card Issuer Action Code Decline [C3] = 00 00 00 Byte 1 bit 8 = 0 Reserved-No meaning bit 7 = 0 Do not take action if Unable To Go Online indicated bit 6 = 0 Do not take action if Offline PIN Verification not performed bit 5 = 0 Do not take action if Offline PIN Verification failed bit 4 = 0 Do not take action if PTL exceeded bit 3 = 0 Do not take action if International Transaction bit 2 = 0 Do not take action if Domestic Transaction bit 1 = 0 Do not take action if terminal erroneously considers Offline PIN OK Byte 2 bit 8 = 0 Do not take action if Lower Consecutive Offline Limit exceeded bit 7 = 0 Do not take action if Upper Consecutive Offline Limit exceeded bit 6 = 0 Do not take action if Lower Cumulative Offline Limit exceeded bit 5 = 0 Do not take action if Upper Cumulative Offline Limit exceeded bit 4 = 0 Do not take action if Go Online On Next Transaction was set bit 3 = 0 Do not take action if Issuer Authentication failed bit 2 = 0 Do not take action if Script received bit 1 = 0 Do not take action if Script failed Byte 3 bit 8 = 0 Reserved-No meaning bit 7 = 0 Reserved-No meaning bit 6 = 0 Reserved-No meaning bit 5 = 0 Reserved-No meaning bit 4 = 0 Reserved-No meaning bit 3 = 0 Reserved-No meaning bit 2 = 0 Do not take action if Match Found in Additional Check Table bit 1 = 0 Do not take action if No Match Found in Additional Check Table Card Issuer Action Code Default [C4] = 00 00 00 Byte 1 bit 8 = 0 Reserved-No meaning bit 7 = 0 Do not take action if Unable To Go Online indicated bit 6 = 0 Do not take action if Offline PIN Verification not performed bit 5 = 0 Do not take action if Offline PIN Verification failed bit 4 = 0 Do not take action if PTL exceeded bit 3 = 0 Do not take action if International Transaction bit 2 = 0 Do not take action if Domestic Transaction bit 1 = 0 Do not take action if terminal erroneously considers Offline PIN OK Byte 2 bit 8 = 0 Do not take action if Lower Consecutive Offline Limit exceeded bit 7 = 0 Do not take action if Upper Consecutive Offline Limit exceeded bit 6 = 0 Do not take action if Lower Cumulative Offline Limit exceeded bit 5 = 0 Do not take action if Upper Cumulative Offline Limit exceeded bit 4 = 0 Do not take action if Go Online On Next Transaction was set bit 3 = 0 Do not take action if Issuer Authentication failed bit 2 = 0 Do not take action if Script received bit 1 = 0 Do not take action if Script failed Byte 3 bit 8 = 0 Reserved-No meaning bit 7 = 0 Reserved-No meaning bit 6 = 0 Reserved-No meaning bit 5 = 0 Reserved-No meaning bit 4 = 0 Reserved-No meaning bit 3 = 0 Reserved-No meaning bit 2 = 0 Do not take action if Match Found in Additional Check Table bit 1 = 0 Do not take action if No Match Found in Additional Check Table Card Issuer Action Code Online [C5] = FF FF FF Byte 1 bit 8 = 1 Reserved-No meaning bit 7 = 1 Take action if Unable To Go Online indicated bit 6 = 1 Take action if Offline PIN Verification not performed bit 5 = 1 Take action if Offline PIN Verification failed bit 4 = 1 Take action if PTL exceeded bit 3 = 1 Take action if International Transaction bit 2 = 1 Take action if Domestic Transaction bit 1 = 1 Take action if terminal erroneously considers Offline PIN OK Byte 2 bit 8 = 1 Take action if Lower Consecutive Offline Limit exceeded bit 7 = 1 Take action if Upper Consecutive Offline Limit exceeded bit 6 = 1 Take action if Lower Cumulative Offline Limit exceeded bit 5 = 1 Take action if Upper Cumulative Offline Limit exceeded bit 4 = 1 Take action if Go Online On Next Transaction was set bit 3 = 1 Take action if Issuer Authentication failed bit 2 = 1 Take action if Script received bit 1 = 1 Take action if Script failed Byte 3 bit 8 = 1 Reserved-No meaning bit 7 = 1 Reserved-No meaning bit 6 = 1 Reserved-No meaning bit 5 = 1 Reserved-No meaning bit 4 = 1 Reserved-No meaning bit 3 = 1 Reserved-No meaning bit 2 = 1 Take action if Match Found in Additional Check Table bit 1 = 1 Take action if No Match Found in Additional Check Table CRM Country Code [C8] = 00 56 Country Code = 00 56 Country Name = Belgium CRM Currency Code [C9] = 12 34 Code (num) = 12 34 Code (an) = Unknown currency code Currency = Unknown currency code RF off 00 18 RF on 00 10 Select (2PAY.SYS.DDF01) Request : 00 A4 04 00 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 00 Class :00 Ins :A4 P1 :04 P2 :00 Lc :0E Data :32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 Application: 2PAY.SYS.DDF01 Le :00 Response: 6F 23 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 11 BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 30 60 87 01 01 90 00 Data : 6F 23 84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 A5 11 BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 30 60 87 01 01 Tag 6F : File Control Information (FCI) Template Tag 84 : Dedicated File (DF) Name : 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 PPSE Directory File Name = 2PAY.SYS.DDF01 Tag A5 : File Control Information (FCI) Proprietary Template Tag BF 0C: File Control Information (FCI) Issuer Discretionary Template Tag 61 : Application Template Tag 4F : Application Identifier (AID) : A0 00 00 00 04 30 60 Tag 87 : Application Priority Indicator : 01 Byte 1 bit 8 = 0 Application may be selected without confirmation of cardholder bit 7-5= 000 RFU bit 4-1= 0001 Order number in which the application is to be listed: 1 SW1 SW2 : 90 00 (SW_OK) Select (Maestro) Request : 00 A4 04 00 07 A0 00 00 00 04 30 60 00 Class :00 Ins :A4 P1 :04 P2 :00 Lc :07 Data :A0 00 00 00 04 30 60 Application: Maestro Le :00 Response: 6F 2F 84 07 A0 00 00 00 04 30 60 A5 24 50 09 4D 50 31 31 20 76 32 20 32 BF 0C 16 5F 50 13 43 4F 4C 4C 49 53 5C 2A 2F 4D 50 31 31 5C 2A 2F 32 2E 32 90 00 Data : 6F 2F 84 07 A0 00 00 00 04 30 60 A5 24 50 09 4D 50 31 31 20 76 32 20 32 BF 0C 16 5F 50 13 43 4F 4C 4C 49 53 5C 2A 2F 4D 50 31 31 5C 2A 2F 32 2E 32 Tag 6F : File Control Information (FCI) Template Tag 84 : Dedicated File (DF) Name : A0 00 00 00 04 30 60 Tag A5 : File Control Information (FCI) Proprietary Template Tag 50 : Application Label : 4D 50 31 31 20 76 32 20 32 Text value = MP11 v2 2 Tag BF 0C: File Control Information (FCI) Issuer Discretionary Template Tag 5F 50: Issuer URL : 43 4F 4C 4C 49 53 5C 2A 2F 4D 50 31 31 5C 2A 2F 32 2E 32 Text value = COLLIS\*/MP11\*/2.2 SW1 SW2 : 90 00 (SW_OK) Get Processing Options Request : 80 A8 00 00 02 83 00 00 Class :80 Ins :A8 P1 :00 P2 :00 Lc :02 Data :83 00 Le :00 MCHIP Card Unique Key Derivation Results PAN: 67 99 99 89 00 00 00 60 11 7F PAN Sequence Number: 01 Cryptogram Version No.: 10 ICC Master Key AC: 9E 15 20 43 13 F7 31 8A CB 79 B9 0B D9 86 AD 29 Derived Card Unique Key: E5 97 4F FE FD 08 61 37 8F DF E6 3B 20 9D 9B 52 ICC Master Key SMC: CE 29 3B 8C C1 2A 97 73 79 EF 25 6D 76 10 94 92 Derived Card Unique Key: 5E FB 68 80 FE 52 19 89 C4 02 37 19 5D 3D DA 85 ICC Master Key SMI: 46 64 94 2F E6 15 FB 02 E5 D5 7F 29 2A A2 B3 B6 Derived Card Unique Key: D0 C4 91 D0 40 B6 9E 49 EC E0 92 68 5D FB B9 68 ICC Master Key IDN: 94 C5 3B 6B 15 07 7F CB E5 40 7F 43 B5 AB FB 80 Derived Card Unique Key: 70 C4 C1 B0 FB CD 26 25 5E 7A E3 54 FD 29 D9 2F ToDo: Do we need to use master key of unique derived key version for ICCDN calculation? Response: 77 16 82 02 19 80 94 10 08 01 01 00 10 01 01 01 18 01 02 00 20 01 02 00 90 00 Data : 77 16 82 02 19 80 94 10 08 01 01 00 10 01 01 01 18 01 02 00 20 01 02 00 Tag 77 : Response Message Template Format 2 Tag 82 : Application Interchange Profile [M/Chip, PayPass] : 19 80 Byte 1 bit 8 = 0 RFU bit 7 = 0 Offline static data authentication is NOT supported bit 6 = 0 Offline dynamic data authentication is NOT supported bit 5 = 1 Cardholder verification is supported bit 4 = 1 Terminal risk management is to be performed bit 3 = 0 Issuer authentication is supported using GENERATE AC command bit 2 = 0 On device cardholder verification is NOT supported bit 1 = 1 Combined DDA / GENERATE AC supported Byte 2 bit 8 = 1 M/Chip profile is supported [PayPass] bit 7 = 0 RFU bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 94 : Application File Locator (AFL) : 08 01 01 00 10 01 01 01 18 01 02 00 20 01 02 00 AFL (1) = 08 01 01 00 SFI (decimal) = 1 Start record = 1 End record = 1 Number of records needed for offline data authentication = 0 AFL (2) = 10 01 01 01 SFI (decimal) = 2 Start record = 1 End record = 1 Number of records needed for offline data authentication = 1 AFL (3) = 18 01 02 00 SFI (decimal) = 3 Start record = 1 End record = 2 Number of records needed for offline data authentication = 0 AFL (4) = 20 01 02 00 SFI (decimal) = 4 Start record = 1 End record = 2 Number of records needed for offline data authentication = 0 SW1 SW2 : 90 00 (SW_OK) Read Record SFI 2, record 01 Request : 00 B2 01 14 00 Class :00 Ins :B2 P1 :01 P2 :14 Le :00 Response: 70 81 A5 57 12 67 99 99 89 00 00 00 60 11 7D 25 12 20 10 12 34 56 78 5A 0A 67 99 99 89 00 00 00 60 11 7F 5F 24 03 25 12 31 5F 25 03 04 01 01 5F 28 02 00 56 5F 34 01 01 8C 21 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 08 9F 34 03 8D 0C 91 0A 8A 02 95 05 9F 37 04 9F 4C 08 8E 12 00 00 00 00 00 00 00 00 41 03 44 03 5E 03 42 03 5F 03 9F 07 02 FF 00 9F 08 02 00 02 9F 0D 05 00 00 00 00 00 9F 0E 05 00 00 00 00 00 9F 0F 05 00 00 00 00 00 9F 42 02 09 78 9F 4A 01 82 90 00 Data : 70 81 A5 57 12 67 99 99 89 00 00 00 60 11 7D 25 12 20 10 12 34 56 78 5A 0A 67 99 99 89 00 00 00 60 11 7F 5F 24 03 25 12 31 5F 25 03 04 01 01 5F 28 02 00 56 5F 34 01 01 8C 21 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 08 9F 34 03 8D 0C 91 0A 8A 02 95 05 9F 37 04 9F 4C 08 8E 12 00 00 00 00 00 00 00 00 41 03 44 03 5E 03 42 03 5F 03 9F 07 02 FF 00 9F 08 02 00 02 9F 0D 05 00 00 00 00 00 9F 0E 05 00 00 00 00 00 9F 0F 05 00 00 00 00 00 9F 42 02 09 78 9F 4A 01 82 Tag 70 : Application Elementary File (AEF) Data Template Tag 57 : Track 2 Equivalent Data : 67 99 99 89 00 00 00 60 11 7D 25 12 20 10 12 34 56 78 PAN = 6799998900000060117 Separator field = D Expiry Date = 25/12 Service Code = 201 Discretionary Data = 012345678 (may be padded with one 'F') Tag 5A : Application Primary Account Number (PAN) : 67 99 99 89 00 00 00 60 11 7F Tag 5F 24: Application Expiration Date : 25 12 31 Year : 2025 Month: December Day : 31 Tag 5F 25: Application Effective Date : 04 01 01 Year : 2004 Month: January Day : 01 Tag 5F 28: Issuer Country Code : 00 56 Country Code = 00 56 Country Name = Belgium Tag 5F 34: Application PAN Sequence Number : 01 Tag 8C : Card Risk Management Data Object List 1 (CDOL1) : 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 08 9F 34 03 Tag( 1) = 9F 02 [Transaction Amount] Tag : 9F 02 Length: 06 Name : Transaction Amount Tag( 2) = 9F 03 [Cashback Amount] Tag : 9F 03 Length: 06 Name : Cashback Amount Tag( 3) = 9F 1A [Terminal Country Code] Tag : 9F 1A Length: 02 Name : Terminal Country Code Tag( 4) = 95 [Terminal Verification Results (TVR)] Tag : 95 Length: 05 Name : Terminal Verification Results (TVR) Tag( 5) = 5F 2A [Transaction Currency Code] Tag : 5F 2A Length: 02 Name : Transaction Currency Code Tag( 6) = 9A [Transaction Date] Tag : 9A Length: 03 Name : Transaction Date Tag( 7) = 9C [Transaction Type] Tag : 9C Length: 01 Name : Transaction Type Tag( 8) = 9F 37 [Unpredictable Number] Tag : 9F 37 Length: 04 Name : Unpredictable Number Tag( 9) = 9F 35 [Terminal Type] Tag : 9F 35 Length: 01 Name : Terminal Type Tag(10) = 9F 45 [Data Authentication Code] Tag : 9F 45 Length: 02 Name : Data Authentication Code Tag(11) = 9F 4C [ICC Dynamic Number] Tag : 9F 4C Length: 08 Name : ICC Dynamic Number Tag(12) = 9F 34 [Cardholder Verification Method (CVM) Results] Tag : 9F 34 Length: 03 Name : Cardholder Verification Method (CVM) Results Tag 8D : Card Risk Management Data Object List 2 (CDOL2) : 91 0A 8A 02 95 05 9F 37 04 9F 4C 08 Tag( 1) = 91 [Issuer Authentication Data [M/Chip]] Tag : 91 Length: 0A Name : Issuer Authentication Data [M/Chip] Tag( 2) = 8A [Authorization Response Code] Tag : 8A Length: 02 Name : Authorization Response Code Tag( 3) = 95 [Terminal Verification Results (TVR)] Tag : 95 Length: 05 Name : Terminal Verification Results (TVR) Tag( 4) = 9F 37 [Unpredictable Number] Tag : 9F 37 Length: 04 Name : Unpredictable Number Tag( 5) = 9F 4C [ICC Dynamic Number] Tag : 9F 4C Length: 08 Name : ICC Dynamic Number Tag 8E : Cardholder Verification Method (CVM) List : 00 00 00 00 00 00 00 00 41 03 44 03 5E 03 42 03 5F 03 Amount X = 00 00 00 00 Amount Y = 00 00 00 00 CVM 1: [41 03] (Plaintext PIN verification performed by ICC) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000001 (Plaintext PIN verification performed by ICC) Byte 2 = '03' (If terminal supports the CVM type) CVM 2: [44 03] (Enciphered PIN verification performed by ICC) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000100 (Enciphered PIN verification performed by ICC) Byte 2 = '03' (If terminal supports the CVM type) CVM 3: [5E 03] (Signature (paper)) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 011110 (Signature (paper)) Byte 2 = '03' (If terminal supports the CVM type) CVM 4: [42 03] (Enciphered PIN verified online) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 000010 (Enciphered PIN verified online) Byte 2 = '03' (If terminal supports the CVM type) CVM 5: [5F 03] (No CVM required) Byte 1 bit 8 = 0 (default value) bit 7 = 1 (Apply succeeding CVM field if this CVM is unsuccessful) bit 6-1= 011111 (No CVM required) Byte 2 = '03' (If terminal supports the CVM type) Tag 9F 07: Application Usage Control : FF 00 Byte 1 bit 8 = 1 Valid for domestic cash transactions bit 7 = 1 Valid for international cash transactions bit 6 = 1 Valid for domestic goods bit 5 = 1 Valid for international goods bit 4 = 1 Valid for domestic services bit 3 = 1 Valid for international services bit 2 = 1 Valid at ATMs bit 1 = 1 Valid at terminals other than ATMs Byte 2 bit 8 = 0 Domestic cashback NOT allowed bit 7 = 0 International cashback NOT allowed bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 9F 08: Application Version Number : 00 02 Tag 9F 0D: Issuer Action Code - Default : 00 00 00 00 00 Byte 1 bit 8 = 0 Do not reject if unable to process online and if Offline data authentication was not performed bit 7 = 0 Do not reject if unable to process online and if Offline static data authentication failed bit 6 = 0 Do not reject if unable to process online and if ICC data missing bit 5 = 0 Do not reject if unable to process online and if Card appears on terminal exception file bit 4 = 0 Do not reject if unable to process online and if Offline dynamic data authentication failed bit 3 = 0 Do not reject if unable to process online and if Combined DDA/AC Generation failed bit 2 = 0 Do not reject if unable to process online and if SDA selected bit 1 = 0 RFU Byte 2 bit 8 = 0 Do not reject if unable to process online and if ICC and terminal have different application versions bit 7 = 0 Do not reject if unable to process online and if Expired application bit 6 = 0 Do not reject if unable to process online and if Application not yet effective bit 5 = 0 Do not reject if unable to process online and if Requested service not allowed for card product bit 4 = 0 Do not reject if unable to process online and if New card bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 3 bit 8 = 0 Do not reject if unable to process online and if Cardholder verification was not successful bit 7 = 0 Do not reject if unable to process online and if Unrecognised CVM bit 6 = 0 Do not reject if unable to process online and if PIN Try Limit exceeded bit 5 = 0 Do not reject if unable to process online and if PIN entry required and PIN pad not present or not working bit 4 = 0 Do not reject if unable to process online and if PIN entry required, PIN pad present, but PIN was not entered bit 3 = 0 Do not reject if unable to process online and if Online PIN entered bit 2 = 0 RFU bit 1 = 0 RFU Byte 4 bit 8 = 0 Do not reject if unable to process online and if Transaction exceeds floor limit bit 7 = 0 Do not reject if unable to process online and if Lower consecutive offline limit exceeded bit 6 = 0 Do not reject if unable to process online and if Upper consecutive offline limit exceeded bit 5 = 0 Do not reject if unable to process online and if Transaction selected randomly for online processing bit 4 = 0 Do not reject if unable to process online and if Merchant forced transaction online bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 5 bit 8 = 0 Do not reject if unable to process online and if Default TDOL used bit 7 = 0 Do not reject if unable to process online and if Issuer authentication was unsuccessful bit 6 = 0 Do not reject if unable to process online and if Script processing failed before final GENERATE AC bit 5 = 0 Do not reject if unable to process online and if Script processing failed after final GENERATE AC bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 9F 0E: Issuer Action Code - Denial : 00 00 00 00 00 Byte 1 bit 8 = 0 Do not decline if Offline data authentication was not performed bit 7 = 0 Do not decline if Offline static data authentication failed bit 6 = 0 Do not decline if ICC data missing bit 5 = 0 Do not decline if Card appears on terminal exception file bit 4 = 0 Do not decline if Offline dynamic data authentication failed bit 3 = 0 Do not decline if Combined DDA/AC Generation failed bit 2 = 0 Do not decline if SDA selected bit 1 = 0 RFU Byte 2 bit 8 = 0 Do not decline if ICC and terminal have different application versions bit 7 = 0 Do not decline if Expired application bit 6 = 0 Do not decline if Application not yet effective bit 5 = 0 Do not decline if Requested service not allowed for card product bit 4 = 0 Do not decline if New card bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 3 bit 8 = 0 Do not decline if Cardholder verification was not successful bit 7 = 0 Do not decline if Unrecognised CVM bit 6 = 0 Do not decline if PIN Try Limit exceeded bit 5 = 0 Do not decline if PIN entry required and PIN pad not present or not working bit 4 = 0 Do not decline if PIN entry required, PIN pad present, but PIN was not entered bit 3 = 0 Do not decline if Online PIN entered bit 2 = 0 RFU bit 1 = 0 RFU Byte 4 bit 8 = 0 Do not decline if Transaction exceeds floor limit bit 7 = 0 Do not decline if Lower consecutive offline limit exceeded bit 6 = 0 Do not decline if Upper consecutive offline limit exceeded bit 5 = 0 Do not decline if Transaction selected randomly for online processing bit 4 = 0 Do not decline if Merchant forced transaction online bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 5 bit 8 = 0 Do not decline if Default TDOL used bit 7 = 0 Do not decline if Issuer authentication was unsuccessful bit 6 = 0 Do not decline if Script processing failed before final GENERATE AC bit 5 = 0 Do not decline if Script processing failed after final GENERATE AC bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 9F 0F: Issuer Action Code - Online : 00 00 00 00 00 Byte 1 bit 8 = 0 Do not go online if Offline data authentication was not performed bit 7 = 0 Do not go online if Offline static data authentication failed bit 6 = 0 Do not go online if ICC data missing bit 5 = 0 Do not go online if Card appears on terminal exception file bit 4 = 0 Do not go online if Offline dynamic data authentication failed bit 3 = 0 Do not go online if Combined DDA/AC Generation failed bit 2 = 0 Do not go online if SDA selected bit 1 = 0 RFU Byte 2 bit 8 = 0 Do not go online if ICC and terminal have different application versions bit 7 = 0 Do not go online if Expired application bit 6 = 0 Do not go online if Application not yet effective bit 5 = 0 Do not go online if Requested service not allowed for card product bit 4 = 0 Do not go online if New card bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 3 bit 8 = 0 Do not go online if Cardholder verification was not successful bit 7 = 0 Do not go online if Unrecognised CVM bit 6 = 0 Do not go online if PIN Try Limit exceeded bit 5 = 0 Do not go online if PIN entry required and PIN pad not present or not working bit 4 = 0 Do not go online if PIN entry required, PIN pad present, but PIN was not entered bit 3 = 0 Do not go online if Online PIN entered bit 2 = 0 RFU bit 1 = 0 RFU Byte 4 bit 8 = 0 Do not go online if Transaction exceeds floor limit bit 7 = 0 Do not go online if Lower consecutive offline limit exceeded bit 6 = 0 Do not go online if Upper consecutive offline limit exceeded bit 5 = 0 Do not go online if Transaction selected randomly for online processing bit 4 = 0 Do not go online if Merchant forced transaction online bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 5 bit 8 = 0 Do not go online if Default TDOL used bit 7 = 0 Do not go online if Issuer authentication was unsuccessful bit 6 = 0 Do not go online if Script processing failed before final GENERATE AC bit 5 = 0 Do not go online if Script processing failed after final GENERATE AC bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 9F 42: Application Currency Code : 09 78 Code (num) = 09 78 Code (an) = EUR Currency = Euro Tag 9F 4A: Static Data Authentication Tag List : 82 SDA Tag(1) = 82 [Application Interchange Profile [M/Chip, PayPass]] Tag : 82 Name : Application Interchange Profile [M/Chip, PayPass] SW1 SW2 : 90 00 (SW_OK) Read Record SFI 3, record 01 Request : 00 B2 01 1C 00 Class :00 Ins :B2 P1 :01 P2 :1C Le :00 Response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ata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ag 70 : Application Elementary File (AEF) Data Template Tag 8F : Certification Authority Public Key Index : F1 Tag 9F 32: Issuer Public Key Exponent : 03 Tag 92 : Issuer Public Key Remainder : Tag 90 : Issuer Public Key Certificate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ead Record SFI 3, record 02 Request : 00 B2 02 1C 00 Class :00 Ins :B2 P1 :02 P2 :1C Le :00 Response: 70 03 93 01 FF 90 00 Data : 70 03 93 01 FF Tag 70 : Application Elementary File (AEF) Data Template Tag 93 : Signed Static Application Data : FF SW1 SW2 : 90 00 (SW_OK) Read Record SFI 4, record 01 Request : 00 B2 01 24 00 Class :00 Ins :B2 P1 :01 P2 :24 Le :00 Response: 70 21 9F 47 01 03 9F 48 1A 00 00 00 00 00 00 00 06 60 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 55 90 00 Data : 70 21 9F 47 01 03 9F 48 1A 00 00 00 00 00 00 00 06 60 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 55 Tag 70 : Application Elementary File (AEF) Data Template Tag 9F 47: ICC Public Key Exponent : 03 Tag 9F 48: ICC Public Key Remainder : 00 00 00 00 00 00 00 06 60 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 55 SW1 SW2 : 90 00 (SW_OK) Read Record SFI 4, record 02 Request : 00 B2 02 24 00 Class :00 Ins :B2 P1 :02 P2 :24 Le :00 Response: 70 73 9F 46 70 8B 35 98 BE 34 D8 F1 CA 46 4B 6A B2 7E 71 02 E8 96 AE 11 9E F2 BF 58 64 CA 58 49 3F 1E C1 1C BD 0F B6 9F E2 41 F1 88 57 4F D7 3B C8 93 36 AF DB 0E 97 38 25 31 91 D2 9A EC 42 F4 ED 3B 8B 33 13 76 13 EC D7 50 B1 24 1D 31 4D 51 76 6F 76 1E 2F C0 11 DF BA 27 F2 CC EE 77 B4 05 9B B3 D2 22 F1 38 52 39 03 F4 8C A7 0E DB 56 F6 4F 73 7A C5 8C 90 00 Data : 70 73 9F 46 70 8B 35 98 BE 34 D8 F1 CA 46 4B 6A B2 7E 71 02 E8 96 AE 11 9E F2 BF 58 64 CA 58 49 3F 1E C1 1C BD 0F B6 9F E2 41 F1 88 57 4F D7 3B C8 93 36 AF DB 0E 97 38 25 31 91 D2 9A EC 42 F4 ED 3B 8B 33 13 76 13 EC D7 50 B1 24 1D 31 4D 51 76 6F 76 1E 2F C0 11 DF BA 27 F2 CC EE 77 B4 05 9B B3 D2 22 F1 38 52 39 03 F4 8C A7 0E DB 56 F6 4F 73 7A C5 8C Tag 70 : Application Elementary File (AEF) Data Template Tag 9F 46: ICC Public Key Certificate : 8B 35 98 BE 34 D8 F1 CA 46 4B 6A B2 7E 71 02 E8 96 AE 11 9E F2 BF 58 64 CA 58 49 3F 1E C1 1C BD 0F B6 9F E2 41 F1 88 57 4F D7 3B C8 93 36 AF DB 0E 97 38 25 31 91 D2 9A EC 42 F4 ED 3B 8B 33 13 76 13 EC D7 50 B1 24 1D 31 4D 51 76 6F 76 1E 2F C0 11 DF BA 27 F2 CC EE 77 B4 05 9B B3 D2 22 F1 38 52 39 03 F4 8C A7 0E DB 56 F6 4F 73 7A C5 8C SW1 SW2 : 90 00 (SW_OK) 1st Generate AC (ARQC) Request : 80 AE 80 00 2B 00 00 00 00 30 00 00 00 00 00 00 00 03 72 80 00 80 80 00 09 78 17 01 13 00 9D AD 61 F4 22 00 00 00 00 00 00 00 00 00 00 3F 00 01 00 Class :80 Ins :AE P1 :80 P2 :00 Lc :2B Data :00 00 00 00 30 00 00 00 00 00 00 00 03 72 80 00 80 80 00 09 78 17 01 13 00 9D AD 61 F4 22 00 00 00 00 00 00 00 00 00 00 3F 00 01 Tag 9F 02: Transaction Amount : 00 00 00 00 30 00 Amount value: 30.00 Tag 9F 03: Cashback Amount : 00 00 00 00 00 00 Amount value: 0.00 Tag 9F 1A: Terminal Country Code : 03 72 Country Code = 03 72 Country Name = Ireland Tag 95 : Terminal Verification Results (TVR) : 80 00 80 80 00 Byte 1 bit 8 = 1 Offline data authentication was not performed bit 7 = 0 SDA passed or not performed bit 6 = 0 No ICC data missing bit 5 = 0 Card does not appear on terminal exception file bit 4 = 0 DDA passed or not performed bit 3 = 0 CDA passed or not performed bit 2 = 0 SDA not selected bit 1 = 0 RFU Byte 2 bit 8 = 0 ICC and terminal do not have different application versions bit 7 = 0 No Expired application bit 6 = 0 Application effective bit 5 = 0 Requested service allowed for card product bit 4 = 0 No New card bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 3 bit 8 = 1 Cardholder verification was not successful bit 7 = 0 Recognised CVM bit 6 = 0 PIN Try Limit not exceeded bit 5 = 0 No PIN entry required (PIN pad may or may not be present or may or may not be working) bit 4 = 0 No PIN entry required (PIN pad may or may not be present) bit 3 = 0 No Online PIN entered bit 2 = 0 RFU bit 1 = 0 RFU Byte 4 bit 8 = 1 Transaction exceeds floor limit bit 7 = 0 Lower consecutive offline limit not exceeded bit 6 = 0 Upper consecutive offline limit not exceeded bit 5 = 0 Transaction not selected randomly for online processing bit 4 = 0 Merchant did not force transaction online bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 5 bit 8 = 0 No Default TDOL used bit 7 = 0 Issuer authentication passed or not performed bit 6 = 0 Script processing passed before final GENERATE AC or no script received bit 5 = 0 Script processing passed after final GENERATE AC or no script received bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Tag 5F 2A: Transaction Currency Code : 09 78 Code (num) = 09 78 Code (an) = EUR Currency = Euro Tag 9A : Transaction Date : 17 01 13 Year : 2017 Month: January Day : 13 Tag 9C : Transaction Type : 00 Purchase (of goods or services) Tag 9F 37: Unpredictable Number : 9D AD 61 F4 Tag 9F 35: Terminal Type : 22 Terminal Type: 22 Attended Merchant Offline with online capability Tag 9F 45: Data Authentication Code : 00 00 Tag 9F 4C: ICC Dynamic Number : 00 00 00 00 00 00 00 00 Tag 9F 34: Cardholder Verification Method (CVM) Results : 3F 00 01 Byte 1 bit 8 = 0 (default value) bit 7 = 0 (Fail Cardholder Verification if this CVM is unsuccessful)) bit 6-1= 111111 (Not available for use) Byte 2 = '00' (Always) Byte 3 = '01' (Failed) Le :00 masterKeyAC: 9E 15 20 43 13 F7 31 8A CB 79 B9 0B D9 86 AD 29 uniqueKeyAC: E5 97 4F FE FD 08 61 37 8F DF E6 3B 20 9D 9B 52 MCHIP SKD Session Key Derivation ATC: 00 01 UN: 9D AD 61 F4 Cryptogram Version No.: 10 ICC Master Key AC: 9E 15 20 43 13 F7 31 8A CB 79 B9 0B D9 86 AD 29 Derived Card Unique Key: E5 97 4F FE FD 08 61 37 8F DF E6 3B 20 9D 9B 52 Derived Session Key: 4C FD 25 75 6D 53 47 A6 6C A1 99 F2 6B AA 16 56 AC calculation: 00 00 00 00 30 00 00 00 00 00 00 00 03 72 80 00 80 80 00 09 78 17 01 13 00 9D AD 61 F4 19 80 00 01 A0 00 09 24 00 00 80 Amount Authorised : 00 00 00 00 30 00 Amount Other : 00 00 00 00 00 00 Terminal Country Code : 03 72 Terminal Verification Results : 80 00 80 80 00 Transaction Currency Code : 09 78 Transaction Date : 17 01 13 Transaction Type : 00 Unpredictable Number : 9D AD 61 F4 Application Interchange Profile : 19 80 Application Transaction Counter : 00 01 Card Verification Results : A0 00 09 24 00 00 AC Session Key : 4C FD 25 75 6D 53 47 A6 6C A1 99 F2 6B AA 16 56 Previous Transaction History Response: 77 29 9F 27 01 80 9F 36 02 00 01 9F 26 08 91 5E 89 DD 54 46 39 78 9F 10 12 01 10 A0 00 09 24 00 00 00 00 00 00 00 00 00 00 00 FF 90 00 Data : 77 29 9F 27 01 80 9F 36 02 00 01 9F 26 08 91 5E 89 DD 54 46 39 78 9F 10 12 01 10 A0 00 09 24 00 00 00 00 00 00 00 00 00 00 00 FF Tag 77 : Response Message Template Format 2 Tag 9F 27: Cryptogram Information Data (CID) : 80 Byte 1 bit 8-7 = 10 ARQC bit 6-5 = 00 Payment System specific cryptogram bit 4 = 0 No advice required bit 3-1 = 000 No information given Tag 9F 36: Application Transaction Counter (ATC) : 00 01 Decimal value = 1 Tag 9F 26: Application Cryptogram (AC) : 91 5E 89 DD 54 46 39 78 Tag 9F 10: Issuer Application Data [M/Chip 4] : 01 10 A0 00 09 24 00 00 00 00 00 00 00 00 00 00 00 FF Key Derivation Index = 01 Cryptogram Version Number = 10 Card Verification Results (CVR) = A0 00 09 24 00 00 Byte 1 bit 8-7 = 10 AC Returned in Second Generate AC: Not requested bit 6-5 = 10 AC Returned in First Generate AC: ARQC bit 4 = 0 RFU bit 3 = 0 Offline PIN Verification not performed bit 2 = 0 M/Chip Select 4: Offline Encrypted PIN Verification not performed, M/Chip Lite 4: Value not allowed bit 1 = 0 Offline PIN Verification Not Successful Byte 2 bit 8 = 0 DDA not returned bit 7 = 0 Combined DDA/AC Generation Not Returned in First Generate AC bit 6 = 0 Combined DDA/AC Generation Not Returned in Second Generate AC bit 5 = 0 Issuer Authentication not performed bit 4 = 0 CIAC-Default not skipped on CAT3 or not required bit 3 = 0 RFU bit 2 = 0 RFU bit 1 = 0 RFU Byte 3 bit 8-5 = 0000 Right nibble of Script Counter : '0' bit 4-1 = 1001 Right nibble of PIN Try Counter: '9' Byte 4 bit 8 = 0 RFU bit 7 = 0 Unable To Go Online Not Indicated bit 6 = 1 Offline PIN Verification Not Performed bit 5 = 0 No Failure OF Offline PIN Verification bit 4 = 0 PTL Not Exceeded bit 3 = 1 International Transaction bit 2 = 0 International Transaction bit 1 = 0 Terminal Does Not Erroneously Consider Offline PIN OK Byte 5 bit 8 = 0 Lower Consecutive Offline Limit Not Exceeded bit 7 = 0 Upper Consecutive Offline Limit Not Exceeded bit 6 = 0 Lower Cumulative Offline Limit Not Exceeded bit 5 = 0 Upper Cumulative Offline Limit Not Exceeded bit 4 = 0 Go Online On Next Transaction Was Not Set (in this transaction or in a previous one) bit 3 = 0 No Issuer Authentication Failed (in this transaction or in a previous one) bit 2 = 0 No Script Received (in a previous transaction) bit 1 = 0 No Script Failed (in a previous transaction) Byte 6 bit 8 = 0 RFU bit 7 = 0 RFU bit 6 = 0 RFU bit 5 = 0 RFU bit 4 = 0 RFU bit 3 = 0 RFU bit 2 = 0 No Match found in Additional Check Table bit 1 = 0 Match Found in Additional Check Table DAC = 00 00 Counters = 00 00 00 00 00 00 00 FF SW1 SW2 : 90 00 (SW_OK) RF off 00 18 Test Completed