EMV v4.3 Book 3 Application Specification 20120607062110791

EMV
Integrated Circuit Card

Specifications for Payment Systems

Book 3

Application Specification

Version 4.3
November 2011

EMV
*

Integrated Circuit Card
Specifications for Payment Systems

Book 3


Version 4.3
November 2011

*
EMV is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The
EMV trademark is owned by EMVCo.
EMV 4.3 Book 3
Appli cation Specification

Page ii November 2011
2011 EMVCo, LLC (EMVCo). All rights reserved. Any and all uses of these Specifications
are subject to the terms and conditions of the EMVCo Terms of Use agreement available at
www.emvco.com. These Specifications are provided "AS IS" without warranties of any kind,
and EMVCo neither assumes nor accepts any liability for any errors or omissions contained in
these Specifications. EMVCO DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-
INFRINGEMENT, AS TO THESE SPECIFICATIONS.

EMVCo makes no representations or warranties with respect to intellectual property rights of
any third parties in or in relation to the Specifications. EMVCo undertakes no responsibility to
determine whether any implementation of these Specifications may violate, infringe, or
otherwise exercise the patent, copyright, trademark, trade secret, know-how, or other
intellectual property rights of third parties, and thus any person who implements any part of
these Specifications should consult an intellectual property attorney before any such
implementation.

Without limiting the foregoing, the Specifications may provide for the use of public key
encryption and other technology, which may be the subject matter of patents in several
countries. Any party seeking to implement these Specifications is solely responsible for
determining whether its activities require a license to any such technology, including for
patents on public key encryption technology. EMVCo shall not be liable under any theory for
any party's infringement of any intellectual property rights in connection with these
Specifications.
EMV 4.3 Book 3

November 2011 Page iii
Revision Log - Version 4.3
The following changes have been made to Book 3 since the publication of
Version 4.2. Numbering and cross references in this version have been updated to
reflect changes introduced by the published bulletins.
Incorporated changes described in the following Specification Updates:
Specification Update Bulletin no. 68: '61La' Response when using T=1
Specification Update Bulletin no. 69 Second Edition: Padding of BER-TLV
Encoded Constructed Data Objects
Specification Update Bulletin no. 72: DDA support in terminals
Incorporated changes described in the following Specification Bulletins:
Specification Bulletin no. 78: Removal of DDF Entries from PSE Records
Specification Bulletin no. 79: Amount Requested in the PDOL
Specification Bulletin no. 82: Various Terminal Updates
Specification Bulletin no. 83: Incorrectly Formatted ICC Data Objects
Specification Bulletin no. 85: CVM Results after a CVM Failure
Specification Bulletin no. 87: Reserve AIP Bit for Contactless
Specification Bulletin no. 88: Application Selection Updates
Specification Bulletin no. 89: EMV Tag Allocations
Specification Bulletin no. 91: AES Support in Common Core Definitions
Minor editorial clarifications, including those described in the following
Specification Bulletin:
Specification Bulletin no. 80: Editorial Errors in Version 4.2 of the EMV
Specifications

EMV 4.3 Book 3

November 2011 Page v
Contents
Part I - General

1 Scope 3
1.1 Changes in Version 4.3 3
1.2 Structure 3
1.3 Underlying Standards 4
1.4 Audience 4
2 Normative References 5
3 Definitions 9
4 Abbreviations, Notations, Conventions, and Terminology 19
4.1 Abbreviations 19
4.2 Notations 27
4.3 Data Element Format Conventions 29
4.4 Terminology 31

Part II - Data Elements and Commands

5 Data Elements and Files 35
5.1 Data Elements Associated with Financial Transaction Interchange 35
5.2 Data Objects 36
5.2.1 Classes of Data Objects 36
5.3 Files 37
5.3.1 Application Elementary Files 37
5.3.2 File Referencing 37
5.4 Rules for Using a Data Object List (DOL) 38
6 Commands for Financial Transaction 41
6.1 Command APDU Format 41
6.2 Response APDU Format 41
6.3 Coding Conventions 42
6.3.1 Coding of the Class Byte 42
6.3.2 Coding of the Instruction Byte 43
6.3.3 Coding of Parameter Bytes 43
6.3.4 Coding of Data Field Bytes 44
6.3.5 Coding of the Status Bytes 44
6.3.6 Coding of RFU Data 47
EMV 4.3 Book 3

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6.4 Logical Channels 47
6.5 Commands 48
6.5.1 APPLICATION BLOCK Command-Response APDUs 49
6.5.2 APPLICATION UNBLOCK Command-Response APDUs 50
6.5.3 CARD BLOCK Command-Response APDUs 51
6.5.4 EXTERNAL AUTHENTICATE Command-Response APDUs 52
6.5.5 GENERATE APPLICATION CRYPTOGRAM Command-Response
APDUs 54
6.5.6 GET CHALLENGE Command-Response APDUs 57
6.5.7 GET DATA Command-Response APDUs 58
6.5.8 GET PROCESSING OPTIONS Command-Response APDUs 59
6.5.9 INTERNAL AUTHENTICATE Command-Response APDUs 61
6.5.10 PIN CHANGE/UNBLOCK Command-Response APDUs 63
6.5.11 READ RECORD Command-Response APDUs 65
6.5.12 VERIFY Command-Response APDUs 67

Part III - Debit and Credit Application Specification

7 Files for Financial Transaction Interchange 73
7.1 Mapping Data Objects 73
7.2 Mandatory Data Objects 74
7.3 Data Retrievable by GET DATA Command 76
7.4 Data Retrievable by GET PROCESSING OPTIONS 76
7.5 Erroneous or Missing Data in the ICC 77
8 Transaction Flow 81
8.1 Exception Handling 81
8.2 Example Flowchart 81
8.3 Additional Functions 83
9 GENERATE AC Command Coding 85
9.1 Command Parameters 87
9.2 Command Data 87
9.2.1 Card Risk Management Data 87
9.2.2 Transaction Certificate Data 88
9.3 Command Use 88
9.3.1 GENERATE AC (First Issuance) 89
9.3.2 GENERATE AC (Second Issuance) 89
10 Functions Used in Transaction Processing 91
10.1 Initiate Application Processing 91
10.2 Read Application Data 93
EMV 4.3 Book 3

November 2011 Page vii
10.3 Offline Data Authentication 95
10.4 Processing Restrictions 98
10.4.1 Application Version Number 98
10.4.2 Application Usage Control 98
10.4.3 Application Effective/Expiration Dates Checking 99
10.5 Cardholder Verification 100
10.5.1 Offline PIN Processing 103
10.5.2 Online PIN Processing 104
10.5.3 Signature Processing 104
10.5.4 Combination CVMs 104
10.5.5 CVM Processing Logic 104
10.6 Terminal Risk Management 110
10.6.1 Floor Limits 111
10.6.2 Random Transaction Selection 111
10.6.3 Velocity Checking 113
10.7 Terminal Action Analysis 114
10.8 Card Action Analysis 118
10.8.1 Terminal Messages for an AAC 119
10.8.2 Advice Messages 119
10.9 Online Processing 120
10.10 Issuer-to-Card Script Processing 122
10.11 Completion 124

Part IV - Annexes

Annex A Data Elements Dictionary 127
A1 Data Elements by Name 127
A2 Data Elements by Tag 150

Annex B Rules for BER-TLV Data Objects 155
B1 Coding of the Tag Field of BER-TLV Data Objects 156
B2 Coding of the Length Field of BER-TLV Data Objects 157
B3 Coding of the Value Field of Data Objects 158

Annex C Coding of Data Elements Used in Transaction Processing 159
C1 Application Interchange Profile 160
C2 Application Usage Control 161
C3 Cardholder Verification Rule Format 162
C4 Issuer Code Table Index 164
EMV 4.3 Book 3

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C5 Terminal Verification Results 165
C6 Transaction Status Information 168

Annex D Transaction Log Information 169
D1 Purpose 169
D2 Conditions of Execution 169
D3 Sequence of Execution 169
D4 Description 170
D5 Example 171

Annex E TVR and TSI Bit Settings Following Script Processing 173
E1 Scenarios 173
E2 Additional Information 175

Annex F Status Words Returned in EXTERNAL AUTHENTICATE 177

Part V - Common Core Definitions

Introduction 182
Changed and Added Sections 182
6 Commands for Financial Transaction 183
6.2 Response APDU Format 183
6.5 Commands 183
6.5.4 EXTERNAL AUTHENTICATE Command-Response APDUs 183
6.5.5 GENERATE APPLICATION CRYPTOGRAM Command-
Response APDUs 183
6.5.8 GET PROCESSING OPTIONS Command-Response APDUs 184
6.5.9 INTERNAL AUTHENTICATE Command-Response APDUs 185
7 Files for Financial Transaction Interchange 186
7.3 Data Retrievable by GET DATA Command 186
9 GENERATE AC Command Coding 187
9.2 Command Data 187
9.2.2 Transaction Certificate Data 187
9.2.3 Common Core Definitions Card Verification Results 187
9.3 Command Use 197
10 Functions Used in Transaction Processing 198
10.5 Cardholder Verification 198
10.5.1 Offline PIN Processing 198
10.8 Card Action Analysis 198
10.8.1 Terminal Messages for an AAC 198
EMV 4.3 Book 3

November 2011 Page ix
10.8.2 Advice Messages 198
10.10 Issuer-to-Card Script Processing 198
10.11 Completion 199
10.11.1 Additional Completion Actions for a CCD-Compliant
Application 199
Annex A Data Elements Dictionary 203
Annex C Coding of Data Elements Used in Transaction Processing 205
C7 Issuer Application Data for a Common Core Definitions-Compliant
Application 205
C7.1 Common Core Identifier 205
C7.2 Issuer Application Data for Format Code 'A' 206
C7.3 Card Verification Results 207
C8 Card Status Update for a Common Core Definitions-Compliant
Application 209
Annex D Transaction Log Information 210

Index 211

EMV 4.3 Book 3

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EMV 4.3 Book 3

November 2011 Page xi
Tables
Table 1: Structure of SFI 38
Table 2: Most Significant Nibble of the Class Byte 42
Table 3: Coding of the Instruction Byte 43
Table 4: Coding of Status Bytes SW1 SW2 45
Table 5: Allocation of Status Bytes 46
Table 6: APPLICATION BLOCK Command Message 49
Table 7: APPLICATION UNBLOCK Command Message 50
Table 8: CARD BLOCK Command Message 51
Table 9: EXTERNAL AUTHENTICATE Command Message 52
Table 10: GENERATE AC Cryptogram Types 54
Table 11: GENERATE AC Command Message 54
Table 12: GENERATE AC Reference Control Parameter 55
Table 13: Format 1 GENERATE AC Response Message Data Field 55
Table 14: Coding of Cryptogram Information Data 56
Table 15: GET CHALLENGE Command Message 57
Table 16: GET DATA Command Message 58
Table 17: GET PROCESSING OPTIONS Command Message 59
Table 18: INTERNAL AUTHENTICATE Command Message 61
Table 19: PIN CHANGE/UNBLOCK Command Message 64
Table 20: READ RECORD Command Message 65
Table 21: READ RECORD Command Reference Control Parameter 65
Table 22: VERIFY Command Message 67
Table 23: VERIFY Command qualifier of reference data (P2) 68
Table 24: Plaintext Offline PIN Block Format 69
Table 25: Data Objects Used by the Offline Data Authentication Algorithm 74
Table 26: Mandatory Data Objects 74
Table 27: Data Required for SDA 75
Table 28: Data Required for DDA and/or CDA 75
Table 29: Data Objects Retrievable by GET DATA Command 76
Table 30: Data Retrievable by GET PROCESSING OPTIONS 76
Table 31: ICC Data Missing Indicator Setting 79
EMV 4.3 Book 3

Page xii November 2011
Table 32: Terminal Action Regarding Application Usage Control 99
Table 33: Data Elements Dictionary 127
Table 34: Data Elements Tags 150
Table 35: Tag Field Structure (First Byte) BER-TLV 156
Table 36: Tag Field Structure (Subsequent Bytes) BER-TLV 156
Table 37: Application Interchange Profile 160
Table 38: Application Usage Control 161
Table 39: CVM Codes 162
Table 40: CVM Condition Codes 163
Table 41: Issuer Code Table Index 164
Table 42: Terminal Verification Results 165
Table 43: Transaction Status Information 168
Table 44: Log Entry 170
Table 45: Example of Log Format 171
Table 46: Terminal Action after (First) EXTERNAL AUTHENTICATE Response
177
Table 47: Account Type 179

Table CCD 1: Body of Response APDU Structure 183
Table CCD 2: Format 2 GENERATE AC Response Message Data Field 184
Table CCD 3: Coding of Cryptogram Information Data 184
Table CCD 4: Format 2 GET PROCESSING OPTIONS Response Message Data
Field 185
Table CCD 5: Format 2 Internal Authenticate Response Message Data Field 185
Table CCD 6: Data Elements Not Used by a CCD-Compliant Application 203
Table CCD 7: Additional Data Elements Defined for CCD 204
Table CCD 8: Common Core Identifier 205
Table CCD 9: Issuer Application Data for Format Code 'A' 206
Table CCD 10: Card Verification Results for Format Code 'A' 207
Table CCD 11: Card Status Update for Cryptogram Versions '5' and '6' 209
EMV 4.3 Book 3

November 2011 Page xiii
Figures
Figure 1: Command APDU Structure 41
Figure 2: Response APDU Structure 41
Figure 3: Structural Scheme of Status Bytes 44
Figure 4: Format 1 GET PROCESSING OPTIONS Response Message Data Field
60
Figure 5: READ RECORD Response Message Data Field 66
Figure 6: Transaction Flow Example 82
Figure 7: Use of GENERATE AC Options 86
Figure 8: CVM Processing (Part 1 of 5) 105
Figure 13: Random Transaction Selection Example 112
Figure 14: Issuer Script Format 123
Figure 15: Issuer Script Command Format (Shown with Three Commands) 123
Figure 16: Primitive BER-TLV Data Object (Data Element) 158
Figure 17: Constructed BER-TLV Data Object 158

EMV 4.3 Book 3

November 2011 Page 1
Part I

General
EMV 4.3 Book 3

1 Scope
This document, the Integrated Circuit Card Specifications for Payment Systems -
Book 3, Application Specification defines the terminal and integrated circuit card
(ICC) procedures necessary to effect a payment system transaction in an
international interchange environment.
The Integrated Circuit Card Specifications for Payment Systems includes the
following additional documents, all available on http://www.emvco.com:
Book 1 - Application Independent ICC to Terminal Interface Requirements
Book 2 - Security and Key Management
Book 4 - Cardholder, Attendant, and Acquirer Interface Requirements
1.1 Changes in Version 4.3
This release incorporates all relevant Specification Update Bulletins, Application
Notes, amendments, etc. published up to the date of this release.
The Revision Log at the beginning of the Book provides additional detail about
changes to this specification.
1.2 Structure
Book 3 consists of the following parts:
Part I - General
Part III - Debit and Credit Application Specification
Part IV - Annexes
Part V - Common Core Definitions

Part I includes this introduction, as well as data applicable to all Books:
normative references, definitions, abbreviations, notations, data element format
convention, and terminology.
Part II describes data elements and files as well as commands for financial
transaction.
1 Scope EMV 4.3 Book 3
1.3 Underlying Standards Appli cation Specification

Page 4 November 2011
Part III specifies the debit and credit application functions including:
Transaction flow (the sequence of events and the commands issued to the
card)
Exception processing
Definition of data elements and commands as they apply to the exchange of
information between an ICC and a terminal. In particular,
Structure and referencing of files
The usage of commands between the ICC and the terminal to achieve
application level functions.
The functions described are those necessary to ensure that payment system cards
conforming to this specification can perform a set of core functions in terminals
conforming to this specification. Application functions unique to individual
payment systems and those functions not performed in interchange are not
described, but are not precluded.
Part IV includes a complete data elements dictionary, rules for BER-TLV data
objects, instructions for coding of specific data elements, and transaction log
information. It discusses TVR and TSI bit settings following script processing,
and Status Words returned in response to an EXTERNAL AUTHENTICATE
command.
Part V defines an optional extension to be used when implementing a card
complying to the Common Core Definitions (CCD).
The Book also includes a revision log and an index.
This specification does not address clearing and settlement or any transactions
where the ICC is not present.
1.3 Underl ying Standards
This specification is based on the ISO/IEC 7816 series of standards and should be
read in conjunction with those standards. However, if any of the provisions or
definitions in this specification differ from those standards, the provisions herein
shall take precedence.
1.4 Audience
This specification is intended for use by manufacturers of ICCs and terminals,
system designers in payment systems, and financial institution staff responsible
for implementing financial applications in ICCs.

EMV 4.3 Book 3

2 Normati ve References
The following standards contain provisions that are referenced in these
specifications. The latest version shall apply unless a publication date is
explicitly stated.

ISO 639-1 Codes for the representation of names of
languages Part 1: Alpha-2 Code
Note: This standard is updated continuously by ISO.
Additions/changes to ISO 639-1:1988: Codes for the
Representation of Names of Languages are available
on:
http://www.loc.gov/standards/iso639-
2/php/code_changes.php
ISO 3166 Codes for the representation of names of countries
and their subdivisions
ISO 4217 Codes for the representation of currencies and
funds
ISO/IEC 7811-1 Identification cards Recording technique
Part 1: Embossing
ISO/IEC 7811-3 Identification cards Recording technique
Part 3: Location of embossed characters on ID-1
cards
ISO/IEC 7813 Identification cards Financial transaction cards
ISO/IEC 7816-1 Identification cards Integrated circuit(s) cards
with contacts Part 1: Physical characteristics
ISO/IEC 7816-2 Information technology Identification cards
Integrated circuit(s) cards with contacts Part 2:
Dimensions and location of contacts
ISO/IEC 7816-3 Identification cards Integrated circuit cards
Part 3: Cards with contacts Electrical interface
and transmission protocols
2 Normative References EMV 4.3 Book 3

Part 4: Organization, security and commands for
interchange
Part 5: Registration of application providers
Part 6: Interindustry data elements for
interchange
ISO 8583:1987 Bank card originated messages Interchange
message specifications Content for financial
transactions
ISO 8583:1993 Financial transaction card originated messages
Interchange message specifications
ISO/IEC 8825-1 Information technology ASN.1 encoding rules:
Specification of Basic Encoding Rules (BER),
Canonical Encoding Rules (CER) and
Distinguished Encoding Rules (DER)
ISO/IEC 8859 Information processing 8-bit single-byte coded
graphic character sets
ISO 9362 Banking Banking telecommunication messages
Bank identifier codes
ISO 9564-1:2011 Financial services Personal Identification
Number (PIN) management and security Part 1:
Basic principles and requirements for PINs in
card-based systems
ISO/IEC 9796-2:2010 Information technology Security techniques
Digital signature schemes giving message recovery
Part 2: Integer factorization based mechanisms
ISO/IEC 9797-1:2011 Information technology Security techniques
Message Authentication Codes - Part 1:
Mechanisms using a block cipher
ISO/IEC 10116 Information technology Security techniques
Modes of operation for an n-bit block cipher
ISO/IEC 10118-3 Information technology Security techniques
Hash-functions Part 3: Dedicated hash-functions
EMV 4.3 Book 3 2 Normative References

ISO/IEC 10373 Identification cards Test methods
ISO 13491-1 Banking Secure cryptographic devices (retail)
Part 1: Concepts, requirements and evaluation
methods
ISO 13616 Banking and related financial services
International bank account number (IBAN)
ISO 16609 Banking Requirements for message
authentication using symmetric techniques
ISO/IEC 18031 Information technology - Security techniques -
Random bit generation
ISO/IEC 18033-3 Information technology Security techniques
Encryption algorithms Part 3: Block ciphers

EMV 4.3 Book 3

3 Definitions
The following terms are used in one or more books of these specifications.

Accelerated
Revocation
A key revocation performed on a date sooner than the
published key expiry date.
Application The application protocol between the card and the
terminal and its related set of data.
Application
Authentication
Cryptogram
An Application Cryptogram generated by the card
when declining a transaction
Application
Cryptogram
A cryptogram generated by the card in response to a
GENERATE AC command. See also:
Application Authentication Cryptogram
Authorisation Request Cryptogram
Transaction Certificate
Authorisation
Request Cryptogram
when requesting online authorisation
Authorisation
Response
Cryptogram
A cryptogram generated by the issuer in response to
an Authorisation Request Cryptogram.
Asymmetric
Cryptographic
Technique
A cryptographic technique that uses two related
transformations, a public transformation (defined by
the public key) and a private transformation (defined
by the private key). The two transformations have the
property that, given the public transformation, it is
computationally infeasible to derive the private
transformation.
Authentication The provision of assurance of the claimed identity of
an entity or of data origin.
Block A succession of characters comprising two or three
fields defined as prologue field, information field, and
epilogue field.
Byte 8 bits.
3 Definitions EMV 4.3 Book 3

Card A payment card as defined by a payment system.
Certificate The public key and identity of an entity together with
some other information, rendered unforgeable by
signing with the private key of the certification
authority which issued that certificate.
Certification
Authority
Trusted third party that establishes a proof that links
a public key and other relevant information to its
owner.
Ciphertext Enciphered information.
Cold Reset The reset of the ICC that occurs when the supply
voltage (VCC) and other signals to the ICC are raised
from the inactive state and the reset (RST) signal is
applied.
Combined
DDA/Application
Cryptogram
Generation
A form of offline dynamic data authentication.
Command A message sent by the terminal to the ICC that
initiates an action and solicits a response from the
ICC.
Compromise The breaching of secrecy or security.
Concatenation Two elements are concatenated by appending the
bytes from the second element to the end of the first.
Bytes from each element are represented in the
resulting string in the same sequence in which they
were presented to the terminal by the ICC, that is,
most significant byte first. Within each byte bits are
ordered from most significant bit to least significant.
A list of elements or objects may be concatenated by
concatenating the first pair to form a new element,
using that as the first element to concatenate with the
next in the list, and so on.
Contact A conducting element ensuring galvanic continuity
between integrated circuit(s) and external interfacing
equipment.
Cryptogram Result of a cryptographic operation.
EMV 4.3 Book 3 3 Definitions

Cryptographic
Algorithm
An algorithm that transforms data in order to hide or
reveal its information content.
Data Integrity The property that data has not been altered or
destroyed in an unauthorised manner.
Deactivation
Sequence
The deactivation sequence defined in section 6.1.5 of
Book 1.
Decipherment The reversal of a corresponding encipherment.
Digital Signature An asymmetric cryptographic transformation of data
that allows the recipient of the data to prove the
origin and integrity of the data, and protect the
sender and the recipient of the data against forgery by
third parties, and the sender against forgery by the
recipient.
Dynamic Data
Authentication
A form of offline dynamic data authentication
Embossing Characters raised in relief from the front surface of a
card.
Encipherment The reversible transformation of data by a
cryptographic algorithm to produce ciphertext.
Epilogue Field The final field of a block. It contains the error
detection code (EDC) byte(s).
Exclusive-OR Binary addition with no carry, giving the following
values:
0 + 0 = 0
0 + 1 = 1
1 + 0 = 1
1 + 1 = 0
Financial
Transaction
The act between a cardholder and a merchant or
acquirer that results in the exchange of goods or
services against payment.
Function A process accomplished by one or more commands and
resultant actions that are used to perform all or part
of a transaction.

Guardtime The minimum time between the trailing edge of the
parity bit of a character and the leading edge of the
start bit of the following character sent in the same
direction.
Hash Function A function that maps strings of bits to fixed-length
strings of bits, satisfying the following two properties:
It is computationally infeasible to find for a given
output an input which maps to this output.
It is computationally infeasible to find for a given
input a second input that maps to the same
output.
Additionally, if the hash function is required to be
collision-resistant, it must also satisfy the following
property:
It is computationally infeasible to find any two
distinct inputs that map to the same output.
Hash Result The string of bits that is the output of a hash function.
Inactive The supply voltage (VCC) and other signals to the ICC
are in the inactive state when they are at a potential
of 0.4 V or less with respect to ground (GND).
Integrated Circuit
Module
The sub-assembly embedded into the ICC comprising
the IC, the IC carrier, bonding wires, and contacts.
Integrated Circuit(s) Electronic component(s) designed to perform
processing and/or memory functions.
Integrated Circuit(s)
Card
A card into which one or more integrated circuits are
inserted to perform processing and memory functions.
Interface Device That part of a terminal into which the ICC is inserted,
including such mechanical and electrical devices as
may be considered part of it.
Issuer Action Code Any of the following, which reflect the issuer-selected
action to be taken upon analysis of the TVR:
Issuer Action Code - Default
Issuer Action Code - Denial
Issuer Action Code - Online

Kernel The set of functions required to be present on every
terminal implementing a specific interpreter. The
kernel contains device drivers, interface routines,
security and control functions, and the software for
translating from the virtual machine language to the
language used by the real machine. In other words,
the kernel is the implementation of the virtual
machine on a specific real machine.
Key A sequence of symbols that controls the operation of a
cryptographic transformation.
Key Expiry Date The date after which a signature made with a
particular key is no longer valid. Issuer certificates
signed by the key must expire on or before this date.
Keys may be removed from terminals after this date
has passed.
Key Introduction The process of generating, distributing, and beginning
use of a key pair.
Key Life Cycle All phases of key management, from planning and
generation, through revocation, destruction, and
archiving.
Key Replacement The simultaneous revocation of a key and introduction
of a key to replaced the revoked one.
Key Revocation The key management process of withdrawing a key
from service and dealing with the legacy of its use.
Key revocation can be as scheduled or accelerated.
Key Revocation Date The date after which no legitimate cards still in use
should contain certificates signed by this key, and
therefore the date after which this key can be deleted
from terminals. For a planned revocation the Key
Revocation Date is the same as the key expiry date.
Key Withdrawal The process of removing a key from service as part of
its revocation.
Keypad Arrangement of numeric, command, and, where
required, function and/or alphanumeric keys laid out
in a specific manner.

Library A set of high-level software functions with a published
interface, providing general support for terminal
programs and/or applications.
Logical Compromise The compromise of a key through application of
improved cryptanalytic techniques, increases in
computing power, or combination of the two.
Magnetic Stripe The stripe containing magnetically encoded
information.
Message A string of bytes sent by the terminal to the card or
vice versa, excluding transmission-control characters.
Message
Authentication Code
A symmetric cryptographic transformation of data
that protects the sender and the recipient of the data
against forgery by third parties.
Nibble The four most significant or least significant bits of a
byte.
Padding Appending extra bits to either side of a data string.
Path Concatenation of file identifiers without delimitation.
Payment System
Environment
A logical construct within the ICC, the entry point to
which is a Directory Definition File (DDF) named
'1PAY.SYS.DDF01'. This DDF contains a Payment
System Directory which in turn contains entries for
one or more Application Definition Files (ADFs) which
are formatted according to this specification.
Physical
Compromise
The compromise of a key resulting from the fact that
it has not been securely guarded, or a hardware
security module has been stolen or accessed by
unauthorised persons.
PIN Pad Arrangement of numeric and command keys to be
used for personal identification number (PIN) entry.
Plaintext Unenciphered information.
Planned Revocation A key revocation performed as scheduled by the
published key expiry date.

Potential
Compromise
A condition where cryptanalytic techniques and/or
computing power has advanced to the point that
compromise of a key of a certain length is feasible or
even likely.
Private Key That key of an entitys asymmetric key pair that
should only be used by that entity. In the case of a
digital signature scheme, the private key defines the
signature function.
Prologue Field The first field of a block. It contains subfields for node
address (NAD), protocol control byte (PCB), and
length (LEN).
Public Key That key of an entitys asymmetric key pair that can
be made public. In the case of a digital signature
scheme, the public key defines the verification
function.
Public Key
Certificate
The public key information of an entity signed by the
certification authority and thereby rendered
unforgeable.
Response A message returned by the ICC to the terminal after
the processing of a command message received by the
ICC.
Script A command or a string of commands transmitted by
the issuer to the terminal for the purpose of being sent
serially to the ICC as commands.
Secret Key A key used with symmetric cryptographic techniques
and usable only by a set of specified entities.
Signal Amplitude The difference between the high and low voltages of a
signal.
Signal
Perturbations
Abnormalities occurring on a signal during normal
operation such as undershoot/overshoot, electrical
noise, ripple, spikes, crosstalk, etc. Random
perturbations introduced from external sources are
beyond the scope of this specification.
Socket An execution vector defined at a particular point in an
application and assigned a unique number for
reference.

State H Voltage high on a signal line. May indicate a logic one
or logic zero depending on the logic convention used
with the ICC.
State L Voltage low on a signal line. May indicate a logic one
or logic zero depending on the logic convention used
with the ICC.
Static Data
Authentication
Offline static data authentication
Symmetric
Cryptographic
Technique
A cryptographic technique that uses the same secret
key for both the originators and recipients
transformation. Without knowledge of the secret key,
it is computationally infeasible to compute either the
originators or the recipients transformation.
T=0 Character-oriented asynchronous half duplex
transmission protocol.
T=1 Block-oriented asynchronous half duplex transmission
protocol.
Template Value field of a constructed data object, defined to give
a logical grouping of data objects.
Terminal The device used in conjunction with the ICC at the
point of transaction to perform a financial transaction.
The terminal incorporates the interface device and
may also include other components and interfaces
such as host communications.
Terminal Action
Code
Any of the following, which reflect the
acquirer-selected action to be taken upon analysis of
the TVR:
Terminal Action Code - Default
Terminal Action Code - Denial
Terminal Action Code - Online
Terminate Card
Session
End the card session by deactivating the IFD contacts
according to section 6.1.5 of Book 1, and displaying a
message indicating that the ICC cannot be used to
complete the transaction
Terminate
Transaction
Stop the current application and deactivate the card.

Transaction An action taken by a terminal at the users request.
For a POS terminal, a transaction might be payment
for goods, etc. A transaction selects among one or
more applications as part of its processing flow.
Transaction
Certificate
when accepting a transaction
Virtual Machine A theoretical microprocessor architecture that forms
the basis for writing application programs in a specific
interpreter software implementation.
Warm Reset The reset that occurs when the reset (RST) signal is
applied to the ICC while the clock (CLK) and supply
voltage (VCC) lines are maintained in their active
state.

EMV 4.3 Book 3

4 Abbreviations, Notations, Conventions, and
Terminology
4.1 Abbreviations
A Microampere
m Micrometre
s Microsecond
a Alphabetic (see section 4.3, Data Element Format Convention)
AAC Application Authentication Cryptogram
AC Application Cryptogram
ACK Acknowledgment
ADF Application Definition File
AEF Application Elementary File
AFL Application File Locator
AID Application Identifier
AIP Application Interchange Profile
an Alphanumeric (see section 4.3)
ans Alphanumeric Special (see section 4.3)
APDU Application Protocol Data Unit
API Application Program Interface
ARC Authorisation Response Code
ARPC Authorisation Response Cryptogram
ARQC Authorisation Request Cryptogram
ASI Application Selection Indicator
ASN Abstract Syntax Notation
ATC Application Transaction Counter
4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 3
4.1 Abbreviations Appli cation Specification

ATM Automated Teller Machine
ATR Answer to Reset
AUC Application Usage Control
b Binary (see section 4.3)
BCD Binary Coded Decimal
BER Basic Encoding Rules (defined in ISO/IEC 8825-1)
BIC Bank Identifier Code
BGT Block Guardtime
BWI Block Waiting Time Integer
BWT Block Waiting Time
C Celsius or Centigrade
CAD Card Accepting Device
C-APDU Command APDU
CBC Cipher Block Chaining
CCD Common Core Definitions
CCI Common Core Identifier
CDA Combined DDA/Application Cryptogram Generation
CDOL Card Risk Management Data Object List
CID Cryptogram Information Data
CIN Input Capacitance
CLA Class Byte of the Command Message
CLK Clock
cn Compressed Numeric (see section 4.3)
CPU Central Processing Unit
CRL Certificate Revocation List
CSU Card Status Update
C-TPDU Command TPDU
CV Cryptogram Version
EMV 4.3 Book 3 4 Abbreviations, Notations, Conventions, and Terminology
Appli cation Specification 4.1 Abbreviations

CVM Cardholder Verification Method
CVR Card Verification Results
CV Rule Cardholder Verification Rule
CWI Character Waiting Time Integer
CWT Character Waiting Time
D Bit Rate Adjustment Factor
DAD Destination Node Address
DC Direct Current
DDA Dynamic Data Authentication
DDF Directory Definition File
DDOL Dynamic Data Authentication Data Object List
DES Data Encryption Standard
DF Dedicated File
DIR Directory
DOL Data Object List
ECB Electronic Code Book
EDC Error Detection Code
EF Elementary File
EN European Norm
etu Elementary Time Unit
f Frequency
FC Format Code
FCI File Control Information
GND Ground
GP Grandparent key for session key generation
Hex Hexadecimal
HHMMSS Hours, Minutes, Seconds
I/O Input/Output

IAC Issuer Action Code (Denial, Default, Online)
IAD Issuer Application Data
IBAN International Bank Account Number
I-block Information Block
IC Integrated Circuit
ICC Integrated Circuit(s) Card
ICC Current drawn from VCC
IEC International Electrotechnical Commission
IFD Interface Device
IFS Information Field Size
IFSC Information Field Size for the ICC
IFSD Information Field Size for the Terminal
IFSI Information Field Size Integer
IIN Issuer Identification Number
IK Intermediate Key for session key generation
INF Information Field
INS Instruction Byte of Command Message
IOH High Level Output Current
IOL Low Level Output Current
ISO International Organization for Standardization
IV Initial Vector for session key generation
KM Master Key
KS Session Key
L Length
l.s. Least Significant
Lc Exact Length of Data Sent by the TAL in a Case 3 or 4
Command
LCOL Lower Consecutive Offline Limit

LDD Length of the ICC Dynamic Data
Le Maximum Length of Data Expected by the TAL in Response to
a Case 2 or 4 Command
LEN Length
Licc Exact Length of Data Available or Remaining in the ICC (as
Determined by the ICC) to be Returned in Response to the
Case 2 or 4 Command Received by the ICC
Lr Length of Response Data Field
LRC Longitudinal Redundancy Check
M Mandatory
m Milliohm
M Megohm
m.s. Most Significant
m/s Meters per Second
mA Milliampere
MAC Message Authentication Code
max. Maximum
MF Master File
MHz Megahertz
min. Minimum
MK ICC Master Key for session key generation
mm Millimetre
MMDD Month, Day
MMYY Month, Year
N Newton
n Numeric (see section 4.3)
NAD Node Address
NAK Negative Acknowledgment
nAs Nanoampere-second

NCA Length of the Certification Authority Public Key Modulus
NF Norme Franaise
NI Length of the Issuer Public Key Modulus
NIC Length of the ICC Public Key Modulus
NIST National Institute for Standards and Technology
NPE Length of the ICC PIN Encipherment Public Key Modulus
ns Nanosecond
O Optional
O/S Operating System
P Parent key for session key generation
P1 Parameter 1
P2 Parameter 2
P3 Parameter 3
PAN Primary Account Number
PC Personal Computer
PCA Certification Authority Public Key
PCB Protocol Control Byte
PDOL Processing Options Data Object List
pF Picofarad
PI Issuer Public Key
PIC ICC Public Key
PIN Personal Identification Number
PIX Proprietary Application Identifier Extension
POS Point of Service
pos. Position
PSE Payment System Environment
PTS Protocol Type Selection
R-APDU Response APDU

R-block Receive Ready Block
RFU Reserved for Future Use
RID Registered Application Provider Identifier
RSA Rivest, Shamir, Adleman Algorithm
RST Reset
SAD Source Node Address
S-block Supervisory Block
SCA Certification Authority Private Key
SDA Static Data Authentication
SFI Short File Identifier
SHA-1 Secure Hash Algorithm 1
SI Issuer Private Key
SIC ICC Private Key
SK Session Key for session key generation
SW1 Status Byte One
SW2 Status Byte Two
TAC Terminal Action Code(s) (Default, Denial, Online)
TAL Terminal Application Layer
TC Transaction Certificate
TCK Check Character
TDOL Transaction Certificate Data Object List
tF Fall Time Between 90% and 10% of Signal Amplitude
TLV Tag Length Value
TPDU Transport Protocol Data Unit
tR Rise Time Between 10% and 90% of Signal Amplitude
TS Initial Character
TSI Transaction Status Information
TTL Terminal Transport Layer

TVR Terminal Verification Results
UCOL Upper Consecutive Offline Limit
UL Underwriters Laboratories Incorporated
V Volt
var. Variable (see section 4.3)
VCC Voltage Measured on VCC Contact
VCC Supply Voltage
VIH High Level Input Voltage
VIL Low Level Input Voltage
VOH High Level Output Voltage
VOL Low Level Output Voltage
VPP Programming Voltage
VPP Voltage Measured on VPP contact
WI Waiting Time Integer
WTX Waiting Time Extension
WWT Work Waiting Time
YYMM Year, Month
YYMMDD Year, Month, Day
Appli cation Specification 4.2 Notations

4.2 Notations
'0' to '9' and 'A' to 'F' 16 hexadecimal characters
xx Any value
A := B A is assigned the value of B
A = B Value of A is equal to the value of B
A B mod n Integers A and B are congruent modulo the integer n,
that is, there exists an integer d such that
(A B) = dn
A mod n The reduction of the integer A modulo the integer n, that
is, the unique integer r, 0 r < n, for which there exists
an integer d such that
A = dn + r
A / n The integer division of A by n, that is, the unique
integer d for which there exists an integer r, 0 r < n,
such that
A = dn + r
Y := ALG(K)[X] Encipherment of a data block X with a block cipher as
specified in Annex A1 of Book 2, using a secret key K
X = ALG
-1
(K)[Y] Decipherment of a data block Y with a block cipher as
specified in Annex A1 of Book 2, using a secret key K
Y := Sign (SK)[X] The signing of a data block X with an asymmetric
reversible algorithm as specified in Annex A2 of Book 2,
using the private key SK
X = Recover(PK)[Y] The recovery of the data block X with an asymmetric
reversible algorithm as specified in Annex A2 of Book 2,
using the public key PK
C := (A || B) The concatenation of an n-bit number A and an m-bit
number B, which is defined as C = 2
m
A + B.
Leftmost Applies to a sequence of bits, bytes, or digits and used
interchangeably with the term most significant. If
C = (A || B) as above, then A is the leftmost n bits of C.
4 Abbreviations, Notations, Conventions, and Terminol ogy EMV 4.3 Book 3
4.2 Notations Appli cation Specification

Rightmost Applies to a sequence of bits, bytes, or digits and used
interchangeably with the term least significant. If
C = (A || B) as above, then B is the rightmost m bits
of C.
H := Hash[MSG] Hashing of a message MSG of arbitrary length using a
160-bit hash function
X Y The symbol '' denotes bit-wise exclusive-OR and is
defined as follows:
X Y The bit-wise exclusive-OR of the data blocks
X and Y. If one data block is shorter than the
other, then it is first padded to the left with
sufficient binary zeros to make it the same
length as the other.
Appli cation Specification 4.3 Data Element Format Conventions

4.3 Data Element Format Conventions
The EMV specifications use the following data element formats:
a Alphabetic data elements contain a single character per byte. The
permitted characters are alphabetic only (a to z and A to Z, upper and
lower case).
an Alphanumeric data elements contain a single character per byte. The
permitted characters are alphabetic (a to z and A to Z, upper and lower
case) and numeric (0 to 9).
ans Alphanumeric Special data elements contain a single character per byte.
The permitted characters and their coding are shown in the Common
Character Set table in Annex B of Book 4.
There is one exception: The permitted characters for Application
Preferred Name are the non-control characters defined in the
ISO/IEC 8859 part designated in the Issuer Code Table Index associated
with the Application Preferred Name.
b These data elements consist of either unsigned binary numbers or bit
combinations that are defined elsewhere in the specification.
Binary example: The Application Transaction Counter (ATC) is defined
as b with a length of two bytes. An ATC value of 19 is stored as Hex
'00 13'.
Bit combination example: Processing Options Data Object List (PDOL)
is defined as b with the format shown in section 5.4.
cn Compressed numeric data elements consist of two numeric digits
(having values in the range Hex '0''9') per byte. These data elements
are left justified and padded with trailing hexadecimal 'F's.
Example: The Application Primary Account Number (PAN) is defined as
cn with a length of up to ten bytes. A value of 1234567890123 may be
stored in the Application PAN as Hex '12 34 56 78 90 12 3F FF' with a
length of 8.
n Numeric data elements consist of two numeric digits (having values in
the range Hex '0' '9') per byte. These digits are right justified and
padded with leading hexadecimal zeroes. Other specifications
sometimes refer to this data format as Binary Coded Decimal (BCD) or
unsigned packed.
Example: Amount, Authorised (Numeric) is defined as n 12 with a
length of six bytes. A value of 12345 is stored in Amount, Authorised
(Numeric) as Hex '00 00 00 01 23 45'.
4.3 Data Element Format Conventions Appli cation Specification

var. Variable data elements are variable length and may contain any bit
combination. Additional information on the formats of specific variable
data elements is available elsewhere.
Appli cation Specification 4.4 Terminology

4.4 Terminology
proprietary Not defined in this specification and/or outside the scope
of this specification
shall Denotes a mandatory requirement
should Denotes a recommendation

EMV 4.3 Book 3

Part II

Data Elements and
Commands
EMV 4.3 Book 3

5 Data Elements and Files
An application in the Integrated Circuit Card (ICC) includes a set of items of
information. These items of information may be accessible to the terminal after a
successful application selection (see section 12 of Book 1).
An item of information is called a data element. A data element is the smallest
piece of information that may be identified by a name, a description of logical
content, a format, and a coding.
5.1 Data Elements Associated with Financial
Transaction Interchange
The data elements dictionary defined in Annex A includes those data elements
that may be used for financial transaction interchange. Data elements not
specified in Annex A are outside the scope of these specifications.
Any additional data element transmitted in the response to the SELECT
command (for example, O/S Manufacturer proprietary data) is placed in the field
FCI Issuer Discretionary Data (tag 'BF0C').
5 Data Elements and Fi les EMV 4.3 Book 3
5.2 Data Objects Appli cation Specification

5.2 Data Objects
A data object consists of a tag, a length, and a value. A tag uniquely identifies a
data object within the environment of an application. The length is the length of
the value field of the data object. The value field of a data object may consist of
either a single data element or one or more data objects. When a data object
encapsulates a single data element, it is called a primitive data object. When a
data object encapsulates one or more data objects, it is called a constructed data
object. Specific tags are assigned to the constructed data objects with a specific
meaning in the environment of an application according to this specification. The
value field of such constructed data objects is a context-specific template. Rules
for the coding of context-specific data objects and templates are given in Annex B.
Upon receipt, the terminal shall parse all the data elements following the rules
described in Annex B. The retrieved value fields of the data elements shall be
stored in the terminal buffer for possible later use in the application.
The terminal shall be capable of correctly interpreting Tag Length Value (TLV)
data objects with a length field coded '00' as defined in ISO/IEC 7816. This
situation can occur when a data element is personalised on a card without an
actual value field. A data element with length '00' shall be treated as not present.
The data element length indicated in Annex A reflects the length of the data
elements when actually present on the card.
Annex A describes the mapping of data elements onto data objects and the
mapping of data objects into templates when applicable.
Records are templates containing one or more primitive and/or constructed data
objects.
The mapping of data objects into records is left to the discretion of the issuer. The
manner in which data elements are to be used is described in Part III.
Annex B defines the tags that are reserved by this specification for EMVCo, the
payment systems, and issuers. All ICC applications conforming to this
specification shall comply with this coding and allocation scheme in accordance
with ISO/IEC 7816-6.
5.2.1 Classes of Data Objects
Identification and coding of different classes of data objects are defined in Annex
B. The tag definitions specified in that annex are according to ISO/IEC 8825 and
the ISO/IEC 7816 series and apply to applications conforming to this
specification.
EMV 4.3 Book 3 5 Data Elements and Fi les
Appli cation Specification 5.3 Files

5.3 Files
The data objects contained in data files accessible from the ICC are stored in
records. The file structure and referencing method depend on the purpose of the
file. The following sections describe structures and referencing methods. The
layout of the data files accessible from the ICC is left to the discretion of the
issuer except for the directory files described in the following section.
5.3.1 Application Elementary Files
An Application Elementary File (AEF) in the range 1-10, contains one or more
primitive Basic Encoding Rules - TLV (BER-TLV) data objects grouped into
constructed BER-TLV data objects (records) according to Annex B. After selecting
the application, an AEF in the range 1-10 is referred to only by its SFI as
described in section 5.3.2.2.
A data file referred to in this specification consists of a sequence of records
addressed by record number. The data files referred to by SFIs in the range 1-10
contain only data not interpreted by the card, that is, data that is not used by the
card in its internal processes. This file structure is defined as linear. It can be
either linear fixed or linear variable according to ISO/IEC 7816-4. The choice is
left to the issuer and does not affect the reading of the file according to this
specification.
5.3.2 File Referencing
A file may be referred to by a name or a SFI depending on its type.
5.3.2.1 Referencing by Name
Any Application Definition File (ADF) or Directory Definition File (DDF) in the
card is referenced by its Dedicated File (DF) name. A DF name for an ADF
corresponds to the Application Identifier (AID) or contains the AID as the
beginning of the DF name. Each DF name shall be unique within a given card.
5 Data Elements and Fi les EMV 4.3 Book 3
5.4 Rules for Using a Data Object List (DOL) Appli cation Specification

5.3.2.2 Referencing by SFI
SFIs are used for the selection of AEFs. Any AEF within a given application is
referenced by a SFI coded on 5 bits in the range 1 to 30. The coding of the SFI is
described in every command that uses it.
Table 1 describes the assignment of SFIs for an EMV application:

Value Meaning
1-10 Governed by this specification
11-20 Payment system-specific
21-30 Issuer-specific
Table 1: Structure of SFI
A SFI shall be unique within an application. The coding of SFIs within the range
1 to 10 is used to address AEFs governed by this specification.
5.4 Rules for Using a Data Object List (DOL)
In several instances, the terminal is asked to build a flexible list of data elements
to be passed to the card under the cards direction. To minimise processing within
the ICC, such a list is not TLV encoded but is a single constructed field built by
concatenating several data elements together. Since the elements of the
constructed field are not TLV encoded, it is imperative that the ICC knows the
format of this field when the data is received. This is achieved by including a
Data Object List (DOL) in the ICC, specifying the format of the data to be
included in the constructed field. DOLs currently used in this specification
include:
the Processing Options Data Object List (PDOL) used with the GET
PROCESSING OPTIONS command
the Card Risk Management Data Object Lists (CDOL1 and CDOL2) used
with the GENERATE APPLICATION CRYPTOGRAM (AC) command
the Transaction Certificate Data Object List (TDOL) used to generate a TC
Hash Value
the Dynamic Data Authentication Data Object List (DDOL) used with the
INTERNAL AUTHENTICATE command
This section describes the rules for constructing a field using a DOL supplied by
the card.
EMV 4.3 Book 3 5 Data Elements and Fi les
Appli cation Specification 5.4 Rules for Using a Data Object List (DOL)

A DOL is a concatenated list of entries, with each entry representing a single
data element to be included in the constructed field. The format of each entry is a
one- or two-byte tag identifying the desired data object, followed by a one-byte
length which represents the number of bytes the field shall occupy in the
command data. Only tags representing primitive data objects constructed
according to Annex B shall be used in DOLs.
The terminal shall complete the following steps to build the constructed field:
1. Read the DOL from the ICC.
2. Concatenate all data elements listed in the DOL. The following rules apply to
this concatenation:
a. If the tag of any data object identified in the DOL is unknown to the
terminal or represents a constructed data object, the terminal shall
provide a data element with the length specified and a value of all
hexadecimal zeroes.
b. If a data object is in the list and is meaningful to the terminal but
represents optional static data that is absent from the terminal, the
portion of the command field representing the data object shall be filled
with hexadecimal zeroes.
c. If the length specified in the DOL entry is less than the length of the
actual data object, the leftmost bytes of the data element shall be
truncated if the data object has numeric (n
1
) format, or the rightmost
bytes of the data shall be truncated for any other format.
d. If the length specified in the DOL entry is greater than the length of the
actual data, the actual data shall be padded:
with leading hexadecimal zeroes if the data has numeric format
with trailing hexadecimal 'FF's if the data has compressed numeric
(cn
1
) format
with trailing hexadecimal zeroes for any other format (an, ans or b
including bit combination data
1
)
e. If a data object is in the list and is meaningful to the terminal but
represents data that is not applicable to the current transaction, the
portion of the command field representing the data object shall be filled
with hexadecimal zeroes.
The completed list of data elements shall be concatenated in the sequence in
which the corresponding data objects appear in the DOL.

1
See section 4.3 Data Element Format Convention.
EMV 4.3 Book 3

6 Commands for Financial Transaction
6.1 Command APDU Format
The command Application Protocol Data Unit (APDU) consists of a mandatory
header of four bytes followed by a conditional body of variable length, as shown in
Figure 1:

CLA INS P1 P2 Lc Data Le
Mandatory Header
2
Conditional Body
Figure 1: Command APDU Structure
The number of data bytes sent in the command APDU (C-APDU) is denoted by
Lc (length of command data field).
The maximum number of data bytes expected in the response APDU is denoted
by length of expected data (Le). When Le is present and contains the value zero,
the maximum number of available data bytes (up to 256) is expected. When
required in a command message, Le shall always be set to '00'.
6.2 Response APDU Format
The response APDU format consists of a conditional body of variable length
followed by a mandatory trailer of two bytes, as shown in Figure 2:

Data SW1 SW2
Body Trailer
Figure 2: Response APDU Structure
The data field of a response APDU is an object structured as defined in Annex B.
The detailed coding of the objects is provided with the commands described in
subsequent sub-clauses.

2
CLA = Class Byte of the Command Message
INS = Instruction Byte of Command Message
P1 = Parameter 1
P2 = Parameter 2
6 Commands for Financi al Transaction EMV 4.3 Book 3
6.3 Coding Conventions Appli cation Specification

6.3 Coding Conventions
This section defines the coding of the header and the body of the messages
(command and response).
6.3.1 Coding of the Class Byte
The most significant nibble of the class byte indicates the type of command as
shown in Table 2:

Hex Meaning
'0' Inter-industry command
'8' Proprietary to this specification
Any other value Outside the scope of this specification
Table 2: Most Significant Nibble of the Class Byte
A command proprietary to this specification is introduced by the most significant
nibble of the class byte set to 8; in other words, the structure of the command and
response messages is according to ISO/IEC 7816-4, and the coding of the
messages is defined within the context of these specifications.
The least significant nibble of the class byte indicates secure messaging and
logical channel mechanisms, according to ISO/IEC 7816-4.
EMV 4.3 Book 3 6 Commands for Financi al Transaction
Appli cation Specification 6.3 Coding Conventions

6.3.2 Coding of the Instruction Byte
The INS byte of a command is structured according to Book 1 section 9.4.1.
Table 3 indicates the coding of INS and its relationship to CLA:

CLA INS Meaning
'8x' '1E' APPLICATION BLOCK
'8x' '18' APPLICATION UNBLOCK
'8x' '16' CARD BLOCK
'0x' '82' EXTERNAL AUTHENTICATE
'8x' 'AE' GENERATE APPLICATION CRYPTOGRAM
'0x' '84' GET CHALLENGE
'8x' 'CA' GET DATA
'8x' 'A8' GET PROCESSING OPTIONS
'0x' '88' INTERNAL AUTHENTICATE
'8x' '24' PERSONAL IDENTIFICATION NUMBER (PIN)
CHANGE/UNBLOCK
'0x' 'B2' READ RECORD
'0x' 'A4' SELECT
'0x' '20' VERIFY
'8x' 'Dx' RFU for the payment systems
'8x' 'Ex' RFU for the payment systems
'9x' 'xx' RFU for manufacturers for proprietary INS coding
'Ex' 'xx' RFU for issuers for proprietary INS coding
Table 3: Coding of the Instruction Byte
Note: Additional INS codes may be assigned in the future by EMVCo using class '8x'. It
is strongly recommended that application providers not define proprietary commands in
class '8x' when they are to be used in the context of these specifications, so that collision
is avoided.
6.3.3 Coding of Parameter Bytes
The parameter bytes P1 P2 may have any value. If not used, a parameter byte
has the value '00'.

6.3.4 Coding of Data Field Bytes
When present, a command APDU message data field consists of a string of data
elements.
When present, a response APDU message data field consists of a data object or a
string of data objects encapsulated in a template according to Annex B.
6.3.5 Coding of the Status Bytes
The status bytes SW1 SW2 are returned by the transport layer to the application
layer in any response message and denote the processing state of the command.
The coding of the status words is structured as illustrated in Figure 3:

Figure 3: Structural Scheme of Status Bytes
SW1 SW2

' 9000 ' ' 62xx ' ' 63xx ' ' 67xx ' to
' 6Fxx '
' 65xx ' ' 64xx '
Process Completed
Normal Warning
Process Aborted
Execution Checking
Appli cation Specification 6.3 Coding Conventions


SW1 SW2 Meaning

Normal processing
'90' '00' Process completed (any other value for SW2 is RFU)

Warning processing
'62' '83' State of non-volatile memory unchanged; selected file invalidated
'63' '00' State of non-volatile memory changed; authentication failed
'63' 'Cx' State of non-volatile memory changed; counter provided by 'x'
(from 0-15)

Checking errors
'69' '83' Command not allowed; authentication method blocked
'69' '84' Command not allowed; referenced data invalidated
'69' '85' Command not allowed; conditions of use not satisfied
'6A' '81' Wrong parameter(s) P1 P2; function not supported
'6A' '82' Wrong parameter(s) P1 P2; file not found
'6A' '83' Wrong parameter(s) P1 P2; record not found
'6A' '88' Referenced data (data objects) not found
Table 4: Coding of Status Bytes SW1 SW2
The following values of SW1 SW2 are described in Part II of Book 1 as they apply
to the Transport Protocol Data Unit (TPDU) and are not returned to the APDU:
'61xx': SW2 indicates the number of response bytes still available.
'6Cxx': Wrong length Le, SW2 indicates the exact length.
SW1 = '6x' or '90' denotes a normal, warning, or error condition coded according
to ISO/IEC 7816-4.
Other values of SW1 returned by the ICC are not supported by Book 1, Part II.

Table 5 shows the coding of the SW1 SW2 status bytes which this specification
requires to be returned in response to specific conditions. The card may generate
status bytes not listed in this table for error and warning conditions not specified
in Part III.

A
P
P
L
I
C
A
T
I
O
N

B
L
O
C
K

A
P
P
L
I
C
A
T
I
O
N

U
N
B
L
O
C
K

C
A
R
D

B
L
O
C
K

E
X
T
E
R
N
A
L

A
U
T
H
E
N
T
I
C
A
T
E

G
E
N
E
R
A
T
E

A
P
P
L
I
C
A
T
I
O
N

C
R
Y
P
T
O
G
R
A
M

G
E
T

C
H
A
L
L
E
N
G
E

G
E
T

D
A
T
A

G
E
T

P
R
O
C
E
S
S
I
N
G

O
P
T
I
O
N
S

I
N
T
E
R
N
A
L

A
U
T
H
E
N
T
I
C
A
T
E

P
I
N

C
H
A
N
G
E
/
U
N
B
L
O
C
K

R
E
A
D

R
E
C
O
R
D

S
E
L
E
C
T

V
E
R
I
F
Y

SW1 SW2
'62' '83' X
'63' '00' X
'63' 'Cx' X
'69' '83' X
'69' '84' X
'69' '85' X X X
'6A' '81' X X
'6A' '82' X
'6A' '83' X
'6A' '88' X
Table 5: Allocation of Status Bytes
The following convention is used in the table:
X = Allowed response code, for which a dedicated action shall be taken or
which has a special meaning for an EMV compliant application. The
meaning of the action is explained in section 10.
Appli cation Specification 6.4 Logical Channels

If during transaction processing as described in Part III, the card returns a value
for SW1 SW2 other than those specified in Table 5, and no other action is
indicated elsewhere in these specifications, the transaction shall be terminated.
For example, if the application reads records in a file that contains four records
and, in response to the READ RECORD command for record 5, the card returns
SW1 SW2 = '6400' instead of SW1 SW2 = '6A83', then the transaction would be
terminated.
If during the processing of the GET DATA command, defined in section 6.5.7, the
card returns an error condition, the terminal shall proceed as indicated in
section 10.6.3 (for terminal velocity checking) or in section 6.3.4.1 of Book 4 (for
cardholder verification processing).
If during the processing of an issuer script command, as defined in section 10.10,
the card returns a warning condition (SW1 SW2 = '62XX' or '63xx'), the terminal
shall continue with the next command from the Issuer Script (if any).
For the EXTERNAL AUTHENTICATE command, SW1 SW2 = '6300' means
Authentication Failed.
6.3.6 Coding of RFU Data
The coding of data (bits and bytes) indicated as RFU and marked as 'x' in the
tables of the specifications shall be set to zero unless otherwise stated.
To allow for migration and support of new functionality, the ICC and the
terminal shall not verify the data indicated as RFU.
6.4 Logical Channels
A logical channel establishes and maintains the link between an application in
the terminal and an application in the card.
A card may support more than one logical channel but only the basic logical
channel is supported by this specification. This limits to one the number of
concurrent applications according to this specification.
6.5 Commands Appli cation Specification

6.5 Commands
This section describes the following APDU command-response pairs:
APPLICATION BLOCK (post-issuance command)
APPLICATION UNBLOCK (post-issuance command)
CARD BLOCK (post-issuance command)
EXTERNAL AUTHENTICATE
GENERATE APPLICATION CRYPTOGRAM
GET CHALLENGE
GET DATA
GET PROCESSING OPTIONS
INTERNAL AUTHENTICATE
PIN CHANGE/UNBLOCK (post-issuance command)
READ RECORD
VERIFY
The post-issuance commands shall only be sent using script processing (see
section 10.10) and secure messaging as specified in Book 2.
Appli cation Specification 6.5 Commands

6.5.1 APPLICATION BLOCK Command-Response APDUs
6.5.1.1 Definition and Scope
The APPLICATION BLOCK command is a post-issuance command that
invalidates the currently selected application.
Following the successful completion of an APPLICATION BLOCK command:
An invalidated application shall return the status bytes SW1 SW2 = '6283'
(Selected file invalidated) in response to a SELECT command.
An invalidated application shall return only an Application Authentication
Cryptogram (AAC) as AC in response to a GENERATE AC command.
6.5.1.2 Command Message
The APPLICATION BLOCK command message is coded as shown in Table 6:

Code Value
CLA '8C' or '84'; coding according to the secure messaging
specified in Book 2
INS '1E'
P1 '00'; all other values are RFU
Lc Number of data bytes
Data Message Authentication Code (MAC) data
component; coding according to the secure messaging
specified in Book 2
Le Not present
Table 6: APPLICATION BLOCK Command Message
6.5.1.3 Data Field Sent in the Command Message
The data field of the command message contains the MAC data component coded
according to the secure messaging format specified in Book 2.
6.5.1.4 Data Field Returned in the Response Message
No data field is returned in the response message.
6.5.1.5 Processing State Returned in the Response Message
'9000' indicates a successful execution of the command, whether the application
was already invalidated or not.

6.5.2 APPLICATION UNBLOCK Command-Response
APDUs
The APPLICATION UNBLOCK command is a post-issuance command that
rehabilitates the currently selected application.
Following the successful completion of an APPLICATION UNBLOCK command,
the restrictions imposed by the APPLICATION BLOCK command are removed.
The APPLICATION UNBLOCK command message is coded as shown in Table 7.

Code Value
specified in Book 2
INS '18'
Data MAC data component; coding according to the secure
messaging specified in Book 2
Le Not present
Table 7: APPLICATION UNBLOCK Command Message
'9000' indicates a successful execution of the command, whether the application
was previously invalidated or not.

6.5.3 CARD BLOCK Command-Response APDUs
The CARD BLOCK command is a post-issuance command that permanently
disables all applications in the ICC.
The CARD BLOCK command shall disable all applications in the ICC, including
applications that may be selected implicitly.
Following the successful completion of a CARD BLOCK command, all subsequent
SELECT commands shall return the status bytes SW1 SW2 = '6A81' (Function
not supported) and perform no other action.
The CARD BLOCK command message is coded as shown in Table 8.

Code Value
specified in Book 2
INS '16'
Data MAC data component; coding according to the secure
Le Not present
Table 8: CARD BLOCK Command Message
'9000' indicates a successful execution of the command, whether the card was
already blocked or not.

6.5.4 EXTERNAL AUTHENTICATE Command-Response
APDUs
The EXTERNAL AUTHENTICATE command asks the application in the ICC to
verify a cryptogram.
The ICC returns the processing state of the command.
The EXTERNAL AUTHENTICATE command message is coded as shown in
Table 9:

Code Value
CLA '00'
INS '82'
P1 '00'
P2 '00'
Lc 8-16
Data Issuer Authentication Data
Le Not present
Table 9: EXTERNAL AUTHENTICATE Command Message
The reference of the algorithm (P1) of the EXTERNAL AUTHENTICATE
command is coded '00', which means that no information is given. The reference
of the algorithm either is known before issuing the command or is provided in the
data field.
The data field of the command message contains the value field of tag '91' coded
as follows:
mandatory first 8 bytes containing the cryptogram
optional additional 1-8 bytes are proprietary

'9000' indicates a successful execution of the command.
'6300' indicates Issuer authentication failed.
For further information, see Annex F.

6.5.5 GENERATE APPLICATION CRYPTOGRAM
Command-Response APDUs
The GENERATE AC command sends transaction-related data to the ICC, which
computes and returns a cryptogram. This cryptogram shall either be an
Application Cryptogram (AC) as specified in this specification or a proprietary
cryptogram. In both cases, the cryptogram shall be of a type specified in Table 10
(for more details, see section 9).
This command is also used when performing the Combined DDA/Application
Cryptogram Generation (CDA) function as described in Book 2 section 6.6.

Type Abbreviation Meaning
Application Authentication
Cryptogram
AAC Transaction declined
Authorisation Request Cryptogram ARQC Online authorisation
requested
Transaction Certificate TC Transaction approved
Table 10: GENERATE AC Cryptogram Types
The cryptogram returned by the ICC may differ from that requested in the
command message according to an internal process in the ICC (as described in
section 9).
The GENERATE AC command message is coded as shown in Table 11:

Code Value
CLA '80'
INS 'AE'
P1 Reference control parameter (see Table 12)
P2 '00'
Lc Var.
Data Transaction-related data
Le '00'
Table 11: GENERATE AC Command Message

The reference control parameter of the GENERATE AC command is coded as
shown in Table 12:

b8 b7 b6 b5 b4 b3 b2 b1 Meaning
0 0 AAC
0 1 TC
1 0 ARQC
1 1 RFU
x RFU
0 CDA signature not requested
1 CDA signature requested
x x x x RFU
Table 12: GENERATE AC Reference Control Parameter
The content of the data field of the command message is coded according to the
rules for the data object list as defined in section 5.4.
The data field of the response message consists of a BER-TLV coded data object.
The coding of the data object shall be according to one of the following two
formats.
Format 1: The data object returned in the response message is a primitive
data object with tag equal to '80'. The value field consists of the concatenation
without delimiters (tag and length) of the value fields of the data objects
specified in Table 13:

Value Presence
Cryptogram Information Data (CID) M
Application Transaction Counter (ATC) M
Application Cryptogram (AC) M
Issuer Application Data (IAD) O
Table 13: Format 1 GENERATE AC Response Message Data Field

Format 2: The data object returned in the response message is a constructed
data object with tag equal to '77'. The value field may contain several BER-
TLV coded objects, but shall always include the Cryptogram Information
Data, the Application Transaction Counter, and the cryptogram computed by
the ICC (either an AC or a proprietary cryptogram). The utilisation and
interpretation of proprietary data objects which may be included in this
response message are outside the scope of these specifications.
Format 2 shall be used if the response is being returned in a signature as
specified for the CDA function described in section 6.6 of Book 2. The required
data elements for the response are shown in the appropriate tables in that
section.
For both formats, the Cryptogram Information Data returned by the
GENERATE AC response message is coded as shown in Table 14:

0 0 AAC
0 1 TC
1 0 ARQC
1 1 RFU

x x
Payment System-specific
cryptogram
0 No advice required
1 Advice required
x x x Reason/advice code
0 0 0 No information given
0 0 1 Service not allowed
0 1 0 PIN Try Limit exceeded
0 1 1 Issuer authentication failed
1 x x Other values RFU
Table 14: Coding of Cryptogram Information Data
For the Format 2 response template, if any mandatory data element is missing,
the terminal shall terminate the transaction.

6.5.6 GET CHALLENGE Command-Response APDUs
The GET CHALLENGE command is used to obtain an unpredictable number
from the ICC for use in a security-related procedure.
The challenge shall be valid only for the next issued command.
The GET CHALLENGE command message is coded as shown in Table 15:

Code Value
CLA '00'
INS '84'
P1 '00'
P2 '00'
Lc Not present
Data Not present
Le '00'
Table 15: GET CHALLENGE Command Message
The data field of the command message is not present.
The data field of the response message contains an 8-byte unpredictable number
generated by the ICC.

6.5.7 GET DATA Command-Response APDUs
The GET DATA command is used to retrieve a primitive data object not
encapsulated in a record within the current application.
The usage of the GET DATA command in this specification is limited to the
retrieval of the following primitive data objects that are defined in Annex A and
interpreted by the application in the ICC:
ATC (tag '9F36')
Last Online ATC Register (tag '9F13')
PIN Try Counter (tag '9F17')
Log Format (tag '9F4F')
The GET DATA command message is coded as shown in Table 16:

Code Value
CLA '80'
INS 'CA'
P1 P2 '9F36', '9F13', '9F17', or '9F4F'
Lc Not present
Data Not present
Le '00'
Table 16: GET DATA Command Message
The data field of the response message contains the primitive data object referred
to in P1 P2 of the command message (in other words, including its tag and its
length).

6.5.8 GET PROCESSING OPTIONS Command-Response
APDUs
The GET PROCESSING OPTIONS command initiates the transaction within the
ICC.
The ICC returns the Application Interchange Profile (AIP) and the Application
File Locator (AFL).
The GET PROCESSING OPTIONS command message is coded as shown in
Table 17:

Code Value
CLA '80'
INS 'A8'
Lc var.
Data Processing Options Data Object List
(PDOL) related data
Le '00'
Table 17: GET PROCESSING OPTIONS Command Message
The data field of the command message is a data object coded according to the
PDOL provided by the ICC, as defined in section 5.4, and is introduced by the tag
'83'. When the data object list is not provided by the ICC, the terminal sets the
length field of the template to zero. Otherwise, the length field of the template is
the total length of the value fields of the data objects transmitted to the ICC.

formats.
data object with tag equal to '80'. The value field consists of the concatenation
without delimiters (tag and length) of the value fields of the AIP and the AFL.
The coding of the data object returned in the response message is shown in
Figure 4:

'80' Length Application Interchange
Profile
Application File
Locator
Figure 4: Format 1 GET PROCESSING OPTIONS Response Message Data Field
TLV coded objects, but shall always include the AIP and the AFL. The
utilisation and interpretation of proprietary data objects which may be
included in this response message are outside the scope of these
specifications.
The AIP specifies the application functions that are supported by the application
in the ICC and is coded according to Part III.
The AFL consists of the list, without delimiters, of files and related records for
the currently selected application that shall be read according to section 10.2.

6.5.9 INTERNAL AUTHENTICATE Command-Response
APDUs
The INTERNAL AUTHENTICATE command initiates the computation of the
Signed Dynamic Application Data by the card using:
the challenge data sent from the terminal and
ICC data and
a relevant private key stored in the card.
The ICC returns the Signed Dynamic Application Data to the terminal.
The INTERNAL AUTHENTICATE command message is coded as shown in
Table 18:

Code Value
CLA '00'
INS '88'
P1 '00'
P2 '00'
Lc Length of authentication-related data
Data Authentication-related data
Le '00'
Table 18: INTERNAL AUTHENTICATE Command Message
The reference of the algorithm (P1) of the INTERNAL AUTHENTICATE
command is coded '00', which means that no information is given. The reference
of the algorithm either is known before issuing the command or is provided in the
data field.
The data field of the command message contains the authentication-related data
proprietary to an application. It is coded according to the DDOL as defined in
Book 2.

formats.
data object with tag equal to '80'. The value field consists of the value field of
the Signed Dynamic Application Data as specified in Book 2.
TLV coded objects, but shall always include the Signed Dynamic Application
Data as specified in Book 2. The utilisation and interpretation of proprietary
data objects which may be included in this response message are outside the
scope of these specifications.
Note: To ensure that the INTERNAL AUTHENTICATE response data length is within
the 256 byte limit, the length of the Signed Dynamic Application Data plus the length of
the TLV encoded optional data (if present) shall remain within the limits as specified in
Book 2 Annex D.

6.5.10 PIN CHANGE/UNBLOCK Command-Response APDUs
The PIN CHANGE/UNBLOCK command is a post-issuance command. Its
purpose is to provide the issuer the capability either to unblock the PIN or to
simultaneously change and unblock the reference PIN.
Upon successful completion of the PIN CHANGE/UNBLOCK command, the card
shall perform the following functions:
The value of the PIN Try Counter shall be reset to the value of the PIN Try
Limit.
If requested, the value of the reference PIN shall be set to the new PIN value.
If PIN data is transmitted in the command it shall be enciphered for
confidentiality.
Note: The reference PIN, which is stored within the card, is the one that is associated
with the application and which the card uses to check the Transaction PIN Data
transmitted within the VERIFY command.

The PIN CHANGE/UNBLOCK command message is coded as shown in Table 19.

Code Value
CLA '8C' or '84'; coding according to the secure
INS '24'
P1 '00'
P2 '00', '01', or '02'
Data Enciphered PIN data component, if present,
and MAC data component; coding according to
the secure messaging specified in Book 2
Le Not present
Table 19: PIN CHANGE/UNBLOCK Command Message
P2: If P2 is equal to '00', the reference PIN is unblocked and the PIN Try
Counter is reset to the PIN Try Limit. There is no PIN update, since the
PIN CHANGE/UNBLOCK command does not contain a new PIN value.
The usage of P2 equal to '01' or '02' is reserved for payment systems.
Any other value of P2 allowing PIN unblocking and/or PIN changing is out
of the scope of this specification and shall be described for each payment
system individually.
The data field of the command message contains the PIN data component, if
present, followed by the MAC data component coded according to the secure
messaging format specified in Book 2.

6.5.11 READ RECORD Command-Response APDUs
The READ RECORD command reads a file record in a linear file.
The response from the ICC consists of returning the record.
The READ RECORD command message is coded as shown in Table 20:

Code Value
CLA '00'
INS 'B2'
P1 Record number
P2 Reference control parameter (see Table 21)
Lc Not present
Data Not present
Le '00'
Table 20: READ RECORD Command Message
Table 21 defines the reference control parameter of the command message:

x x x x x SFI
1 0 0 P1 is a record number
Table 21: READ RECORD Command Reference Control Parameter

The data field of the response message of any successful READ RECORD
command contains the record read. For SFIs in the range 1-10, the record is a
BER-TLV constructed data object as defined in Annex B and coded as shown in
Figure 5:

'70' Length Record Template
Figure 5: READ RECORD Response Message Data Field
The response message to READ RECORD for SFIs in the range 11-30 is outside
the scope of this specification, except as specified in section 10.3 and in Annex D.

6.5.12 VERIFY Command-Response APDUs
The VERIFY command initiates in the ICC the comparison of the Transaction
PIN Data sent in the data field of the command with the reference PIN data
associated with the application. The manner in which the comparison is
performed is proprietary to the application in the ICC.
The VERIFY command applies when the Cardholder Verification Method (CVM)
chosen from the CVM List is an offline PIN, as described in section 10.5.
The VERIFY command message is coded as shown in Table 22:

Code Value
CLA '00'
INS '20'
P1 '00'
P2 Qualifier of the reference data (see Table 23)
Lc Var.
Data Transaction PIN Data
Le Not present
Table 22: VERIFY Command Message

Table 23 defines the qualifier of the reference data (P2):

0 0 0 0 0 0 0 0 As defined in ISO/IEC 7816-4
3

1 0 0 0 0 0 0 0 Plaintext PIN, format as defined below
1 0 0 0 0 x x x RFU for this specification
1 0 0 0 1 0 0 0 Enciphered PIN, format as defined in
Book 2
1 0 0 0 1 0 x x RFU for this specification
1 0 0 0 1 1 x x RFU for the individual payment
systems
1 0 0 1 x x x x RFU for the issuer
Table 23: VERIFY Command qualifier of reference data (P2)
The processing of the VERIFY command in the ICC will be defined in
combination with the CVM rules as specified in section 10.5.

3
The value of P2 = 00 is not used by this specification.

The plaintext offline PIN block shall be formatted as follows:

C N P P P P P/F P/F P/F P/F P/F P/F P/F P/F F F

where:

Name Value
C Control field 4 bit binary number with value of 0010 (Hex '2')
N PIN length 4 bit binary number with permissible values of 0100 to
1100 (Hex '4' to 'C')
P PIN digit 4 bit binary number with permissible values of 0000 to
1001 (Hex '0' to '9')
P/F PIN/filler Determined by PIN length
F Filler 4 bit binary number with a value of 1111 (Hex 'F')
Table 24: Plaintext Offline PIN Block Format
P2 = '00' indicates that no particular qualifier is used. The processing of the
VERIFY command in the ICC should know how to find the PIN data
unambiguously.
The data field of the command message contains the value field of tag '99'.
When for the currently selected application the comparison between the
Transaction PIN Data and the reference PIN data performed by the VERIFY
command fails, the ICC shall return SW2 = 'Cx', where 'x' represents the number
of retries still possible. When the card returns 'C0', no more retries are left, and
the CVM shall be blocked. Any subsequent VERIFY command applied in the
context of that application shall then fail with SW1 SW2 = '6983'.

EMV 4.3 Book 3

Part III

Debit and Credit
EMV 4.3 Book 3

7 Files for Financial Transaction Interchange
The description of the file structure and commands for accessing the files is found
in Part III of Book 1 (for application selection) and Part II of this book (for the
application elementary files). The definition of each of the data objects is defined
in Annex A.
7.1 Mapping Data Objects
The payment system or issuer will map the appropriate data objects to files
according to their needs, subject to the following restrictions:
All files accessible using the READ RECORD command as defined in this
specification containing data objects defined in this specification shall use
SFIs in the range 1 to 10. These files:
Shall be linear files readable using the READ RECORD command as
described in this specification.
May contain multiple records. Each record is limited to 254 bytes,
including tag and length.
Each record shall be coded as a constructed data object. The tag of the
constructed data object shall be '70' indicating a template proprietary to
this specification, and the length field shall contain the total length of the
encapsulated data objects.
Shall contain only data objects defined in this specification and coded in
accordance with the BER-TLV described in Annex B.
May have access conditions to be satisfied for updates, but must be
readable unconditionally.
Files with SFIs in the range 11 to 20 are reserved for proprietary data to be
specified by the individual payment systems.
Files with SFIs in the range 21 to 30 are reserved for proprietary data to be
specified by the issuer.
7 Files for Financial Transaction Interchange EMV 4.3 Book 3
7.2 Mandatory Data Objects Appli cation Specification

The AFL determines the files and records to be used for processing a
transaction. The use of the AFL is described in section 10.2. The data objects
listed in Table 25 are used by the offline data authentication algorithm and,
when present, should be located in the first record referenced by the AFL.
4

Tag Value
'8F' Certification Authority Public Key Index
'90' Issuer Public Key Certificate
Table 25: Data Objects Used by the Offline Data Authentication Algorithm
Additional information may be found in complementary payment system
documentation.
7.2 Mandatory Data Objects
Table 26 lists the data objects that must be present in the ICC in files read using
the READ RECORD command. All other data objects defined in this specification
to be resident in such files in the card are optional.

Tag Value Presence
'5F24' Application Expiration Date M
'5A' Application Primary Account Number
(PAN)
M
'8C' Card Risk Management Data Object List 1 M
'8D' Card Risk Management Data Object List 2 M
Table 26: Mandatory Data Objects
Table 27 lists the data objects that must be present if the ICC supports offline
static data authentication (SDA). Table 28 lists the data objects that must be
present if the ICC supports offline dynamic data authentication (DDA and/or
CDA).
5
Offline data authentication is required to support offline transactions but
is optional in cards that support only online transactions.

4
This allows the terminal to optionally perform the hashing necessary for data
authentication in parallel with reading and parsing of data for other purposes.
5
The exception may be that the Issuer Public Key Remainder or the ICC Public Key
Remainder could be absent. This is because if the public key modulus can be recovered in
its entirety from the public key certificate there is no need for a remainder.
EMV 4.3 Book 3 7 Files for Financial Transaction Interchange
Appli cation Specification 7.2 Mandatory Data Objects


Tag Value
'93' Signed Static Application Data
'92' Issuer Public Key Remainder
'9F32' Issuer Public Key Exponent
Table 27: Data Required for SDA

Tag Value
'92' Issuer Public Key Remainder
'9F32' Issuer Public Key Exponent
'9F46' ICC Public Key Certificate
'9F47' ICC Public Key Exponent
'9F48' ICC Public Key Remainder
'9F49' Dynamic Data Authentication Data Object
List (DDOL)
6

Table 28: Data Required for DDA and/or CDA

6
In case the DDOL is not present in the card, the Default DDOL shall be used instead.
7.3 Data Retrievable by GET DATA Command Appli cation Specification

7.3 Data Retrievable by GET DATA Command
Data objects listed in Table 29 are not retrievable by the READ RECORD
command but are retrieved by the terminal using the GET DATA command as
described in this specification.
Of the objects listed here, only the Application Transaction Counter (ATC) is a
mandatory data object, and it can be retrieved by either the GET DATA
command or in the response to a GENERATE AC command. The terminal
retrieves the ATC via the GET DATA command only if the ICC contains the
Lower Consecutive Offline Limit (LCOL) and Upper Consecutive Offline Limit
(UCOL) data objects. If the issuer does not wish terminal velocity checking to be
performed and omits these data objects, the ICC does not need to support the
GET DATA command, unless the card supports retrieval of the PIN Try Counter
or the Log Format using GET DATA.

Tag Value Presence
'9F36' Application Transaction Counter (ATC) M
'9F17' PIN Try Counter O
'9F13' Last Online ATC Register O
'9F4F' Log Format O
Table 29: Data Objects Retrievable by GET DATA Command
7.4 Data Retrievable by GET PROCESSING
OPTIONS
Data objects listed in Table 30 are not retrievable by the READ RECORD
command but are retrieved by the terminal using the GET PROCESSING
OPTIONS command as described in section 6.5.8. Table 30 defines the data
returned, not the format of the response; section 6.5.8.4 describes the format of
the data when returned by the GET PROCESSING OPTIONS command.

Tag Value Presence
'82' Application Interchange Profile M
'94' Application File Locator M
Table 30: Data Retrievable by GET PROCESSING OPTIONS
Appli cation Specification 7.5 Erroneous or Missing Data in the ICC

7.5 Erroneous or Missing Data in the ICC
Data objects in the card are classified in section 7.2 as either mandatory or
optional. However, some optional data objects must be present to support
optional functions selected by the issuer or must be present to avoid
inconsistencies if other related data objects are present.
When any mandatory data object is missing, the terminal terminates the
transaction unless otherwise specified in these specifications. When an optional
data object that is required because of the existence of other data objects or that
is required to support functions that must be performed due to the setting of bits
in the Application Interchange Profile is missing, the terminal shall set the ICC
data missing indicator in the Terminal Verification Results (TVR) to 1.
Table 31 summarises the conditions under which this bit should be set to 1.
If none of the conditions in Table 31 applies, the terminal shall set the bit to 0.
The setting of this bit is in addition to any other actions specified in other
sections of this Book.
During a transaction the terminal shall ignore any data object coming from the
ICC which is designated in the EMV data elements dictionary (Table 33 in Annex
A) as terminal-sourced or issuer-sourced. The data elements dictionary defines
data as being sourced from any of three places: the ICC, the terminal or the
issuer.
The correct formatting of certain card-sourced data objects is not critical for
completion of a transaction. If during normal processing the terminal recognises
that any of the following data objects are incorrectly formatted, it may optionally
ignore the formatting error and continue processing.
Cardholder Name ('5F20')
Cardholder Name Extended ('9F0B')
Issuer URL ('5F50')
Log Entry ('9F4D')
Log Format ('9F4F')
7.5 Erroneous or Missing Data in the ICC Appli cation Specification

It is up to the issuer to ensure that data in the card is of the correct format, and
no format checking other than that specifically defined is mandated on the part
of the terminal. However, if in the course of normal processing the terminal
recognises that data is incorrectly formatted, the terminal shall terminate the
transaction unless otherwise specified in these specifications. This rule includes
(but is not limited to):
Constructed data objects that do not parse correctly.
Dates that are out of range (for example, months that are not in the range
1 to 12).
Other data that must be in a specific range of values but are not.
Multiple occurrences of a data object that should only appear once.
An AFL with no entries.
An AFL entry with invalid syntax, that is, any one or more of the following:
An SFI of 0 or 31.
A starting record number of 0.
An ending record number less than the starting record number
(byte 3 < byte 2).
Number of records participating in offline data authentication greater
than the number of records (byte 4 > byte 3 - byte 2 + 1).

Appli cation Specification 7.5 Erroneous or Missing Data in the ICC

Name Tag ICC Data Missing Shall Be Set If ...
Application
Transaction Counter
(ATC)
'9F36' ATC is not returned by GET DATA command
and both Lower and Upper Consecutive Offline
Limit data objects are present
Cardholder
Verification Method
(CVM) List
'8E' Not present and AIP indicates that cardholder
verification is supported
Certification
Authority Public
Key Index
'8F' Not present and AIP indicates any form of offline
data authentication is supported (SDA, DDA or
CDA)
Issuer Public Key
Certificate
'90' Not present and AIP indicates any form of offline
CDA)
Issuer Public Key
Exponent
'9F32' Not present and AIP indicates any form of offline
CDA)
Issuer Public Key
Remainder
'92' Not present and AIP indicates any form of offline
CDA) and the length of the Issuer Public Key,
as recovered from the Issuer Public Key
Certificate, indicates that there was insufficient
space for the entire Issuers Public Key in the
certificate
Last Online
Application
Transaction Counter
(ATC) Register
'9F13' Last Online ATC Register is not returned by
GET DATA command and both Lower and
Upper Consecutive Offline Limits are present
Signed Static
Application Data
'93' Not present and AIP indicates SDA supported
ICC Public Key
Certificate
'9F46' Not present and AIP indicates DDA or CDA
supported
ICC Public Key
Exponent
'9F47' Not present and AIP indicates DDA or CDA is
supported
ICC Public Key
Remainder
'9F48' Not present and AIP indicates DDA or CDA is
supported and the length of the ICC Public Key,
as recovered from the ICC Public Key
Certificate, indicates that there was insufficient
space for the entire ICCs Public Key in the
certificate
Table 31: ICC Data Missing Indicator Setting
EMV 4.3 Book 3

8 Transaction Flow
The Application Interchange Profile specifies the application functions that are
supported by the card. The terminal shall attempt to execute only those functions
that the ICC supports. The functions shall be performed according to the
Conditions of Execution as specified in section 10.
Book 1 describes all functionality outside the application layer, including the
selection of the application. The functions described here begin after application
selection has taken place.
The remainder of this book deals with the terminal-to-ICC dialogue on the level
of the application logical functions. Section 8.2 describes a possible transaction
flow.
8.1 Exception Handling
Exceptions to normal processing are described in this Book for specific status
codes returned in the status bytes (SW1, SW2) or for missing data. Unless
otherwise specified in these specifications, any SW1 SW2 returned by the
transport layer to the application layer other than '9000', '63Cx', or '6283' shall
cause termination of the transaction.
7
This requirement applies throughout
these specifications except for the Application Selection process described in
Book 1.
8.2 Example Flowchart
The flowchart in Figure 6 gives an example of a transaction flow that may be
used by a terminal for a normal purchase transaction. This flowchart is only an
example, and the order of processing may differ from that given here. All
restrictions on the order of processing are provided in section 10.

7
Other actions may be taken by prior agreement but are outside the scope of this
specification.
8 Transaction Flow EMV 4.3 Book 3
8.2 Example Flowchart Appli cation Specification


Figure 6: Transaction Flow Example
Initiate
Application
Read
Application
Data
Data
Authentication
Terminal Risk
Management
Processing
Restrictions
Cardholder
Verification
Terminal
Action Analysis
Card Action
Analysis
Completion
Script
Processing
Online /
Offline
Decision
Offline
Online
Online
Processing &
Issuer
Authentication
In this example, Terminal
Risk Management is
performed in parallel with
other functions.
EMV 4.3 Book 3 8 Transaction Flow
Appli cation Specification 8.3 Additional Functions

8.3 Additional Functions
Provision has been made in this specification for additional functions beyond
those described here. Such additional functions may be:
future additions to this specification
proprietary functions implemented by local or national agreement or by the
individual payment systems
The Application Interchange Profile indicates the functions supported in the ICC
according to this specification. Most of the bits in this data object are reserved for
future use (RFU). When a new function is added, a bit in the Application
Interchange Profile will be allocated to indicate support for the new function, and
this specification will be updated to specify the new function and where it fits
into the transaction flow.
Proprietary functions may be added to the terminal and the ICC application as
long as they do not interfere with processing of terminals and ICCs not
implementing the function. For example, offline dynamic data authentication
based on symmetric keys may be added at local option. Such proprietary
functions, while not described in this specification, are not precluded, as long as
the functions specified herein continue to be supported for all ICCs, including
those not implementing the proprietary functions.

EMV 4.3 Book 3

9 GENERATE AC Command Coding
The GENERATE AC command format and response codes are described fully in
section 6.5.5. This section describes how the various options and data elements
are used in transaction processing. Figure 7 depicts the interaction between the
terminal decisions, ICC decisions, issuer approval, the GENERATE AC
command, and the possible ICC responses.
The complete transaction flow is not shown in this chart, only the GENERATE
AC commands, responses, and associated decisions.
9 GENERATE AC Command Coding EMV 4.3 Book 3

Earlier processing
Terminal
decision
Terminal requests
ARQC
Card decision
Card responds
with ARQC
Completed
online?
Authorisation
response code
Terminal requests
TC
Card responds
with TC or AAC
Terminal requests
AAC
Terminal requests
TC
Card responds
with AAC
Card responds
with AAC
Terminal requests
AAC
TAC/IAC
default
Card decision
Card responds
with TC
Card responds
with AAC
Reject
offline
Approve
offline
Online
Offline
approve
Reject
Online
No
Reject
Online
Offline
reject
Approve
Reject
Yes
Approve
Online-only terminals may optionally
skip TAC/IAC Default processing, in
which case processing continues with
Terminal requests AAC

Figure 7: Use of GENERATE AC Options

EMV 4.3 Book 3 9 GENERATE AC Command Coding
Appli cation Specification 9.1 Command Parameters

9.1 Command Parameters
The GENERATE AC command parameters provide three different options to the
terminal:
Request for the generation of a TC
Request for the generation of an ARQC
Request for the generation of an AAC
9.2 Command Data
The data field of the GENERATE AC command is not TLV encoded, so it is
imperative that the ICC knows the format of this data when the command is
received. This is achieved by allowing the ICC to specify the format of the data to
be included in the GENERATE AC command using a Card Risk Management
Data Object List (CDOL).
9.2.1 Card Risk Management Data
The CDOL is a data object in the ICC that provides to the terminal a list of data
objects that must be passed from the terminal to the ICC in the GENERATE AC
command. There shall be two CDOLs in the ICC, referred to as CDOL1 (tag '8C')
and CDOL2 (tag '8D'). CDOL1 is used with the first GENERATE AC command,
and CDOL2 is used with the second GENERATE AC command (if used). The
terminal uses the appropriate CDOL and the rules specified in section 5.4 to
build the appropriate data field for the command. It is the responsibility of the
terminal to ensure that current data is used in building the GENERATE AC
command. To this end, the command data should be built immediately prior to
issuing the GENERATE AC command.
9 GENERATE AC Command Coding EMV 4.3 Book 3
9.3 Command Use Appli cation Specification

9.2.2 Transaction Certificate Data
A CDOL may request a TC Hash Value to be included in the command data of a
GENERATE AC command. The TDOL is a data object that provides to the
terminal a list of data objects to be used in generating the TC Hash Value. The
ICC may contain the TDOL, but there may be a default TDOL in the terminal,
specified by the payment system, for use in case the TDOL is not present in the
ICC. To create the hash value, the terminal shall use the TDOL (if present) or
the default TDOL to create the appropriate value for input to the hash algorithm,
applying the rules specified in section 5.4. If the default TDOL is used, the
terminal shall set the Default TDOL used bit in the TVR to 1. If a default TDOL
is required but is not present in the terminal, a default TDOL with no data
objects in the list shall be assumed. If this event occurs, since the default TDOL
was not used, the terminal shall not set the Default TDOL Used bit in the TVR
to 1.
If the terminal issues a second GENERATE AC command during the processing
of a transaction, the terminal shall ensure that the data provided in the TC Hash
Value is current at the time the command is issued.
9.3 Command Use
Either one or two GENERATE AC commands are issued during the processing of
a transaction according to this specification.
The ICC shall respond to the first GENERATE AC command with any of the
following:
TC
ARQC
AAC
The ICC shall respond to a second GENERATE AC command with either a TC or
an AAC.
The possible responses listed above are in hierarchical order, with a TC being the
highest and an AAC being the lowest. The terminal may request a TC, an ARQC,
or an AAC. If the ICC responds with a cryptogram at a higher level or with a
cryptogram of an undefined type, this indicates a logic error in the ICC. If this
occurs after the first GENERATE AC command in a transaction, the transaction
shall be terminated. If it occurs after the second GENERATE AC command, all
processing for the transaction has been completed, and the cryptogram returned
shall be treated as an AAC.
If the ICC response is an approval (TC) or online authorisation request (ARQC)
and the CDA signature requested bit in the GENERATE AC command is 1, the
ICC shall return the GENERATE AC response in a public key signature as
specified in Book 2 section 6.6.
EMV 4.3 Book 3 9 GENERATE AC Command Coding
Appli cation Specification 9.3 Command Use

9.3.1 GENERATE AC (First Issuance)
The terminal completes its online/offline decision process with a GENERATE AC
command (see section 6.5.5). The form of the command depends upon the decision
made by the terminal:
If the terminal decides the transaction might be completed offline, it requests
a TC from the ICC. The ICC shall reply with a TC, an ARQC, or an AAC,
depending upon its own analysis of the transaction.
If the terminal decides the transaction should go online, it requests an ARQC
from the ICC. The ICC shall reply with an ARQC, or an AAC.
If the terminal decides to reject the transaction, it requests an AAC from the
ICC. The ICC shall reply with an AAC.
If the ICC responds with a TC or an AAC, the terminal completes the transaction
offline.
If the ICC responds with an ARQC, the terminal attempts to go online, sending
an authorisation request message to the issuer. Included in the authorisation
request message is the ARQC for online card authentication.
9.3.2 GENERATE AC (Second Issuance)
Whether the terminal receives an authorisation response message as a result of
online processing or an approval or rejection by using the Issuer Action Code -
Default, it completes the transaction by requesting either a TC (in the case an
approval was obtained) or an AAC (in case the issuers instruction is to reject the
transaction) from the ICC. If a TC was requested, the ICC shall reply with either
a TC or an AAC. If an AAC was requested, the card shall reply with an AAC.
The ICC shall permit at most two GENERATE AC commands in a transaction. If
the terminal issues more than two, the third and all succeeding GENERATE AC
commands shall end with SW1 SW2 = '6985', and no cryptogram shall be
returned.
EMV 4.3 Book 3

10 Functions Used in Transaction Processing
The following sections shall be read in conjunction with Book 4, Part II, which
may contain additional terminal-specific requirements.
10.1 Initiate Application Processing
Purpose:
The Initiate Application Processing function:
informs the ICC that the processing of a new transaction is beginning
provides to the ICC the terminal-related information about the transaction
obtains from the ICC the Application Interchange Profile and a list of files
that contain the ICC data to be used in processing the transaction
determines whether the transaction is allowed
Conditions of Execution:
The terminal shall always execute this function.
Sequence of Execution:
This is the first function performed after Application Selection.
Description:
The terminal shall set all bits in the Transaction Status Information (TSI) and
the Terminal Verification Results (TVR) to 0.
8

The PDOL is a list of tags and lengths of terminal-resident data elements needed
by the ICC in processing the GET PROCESSING OPTIONS command. Only data
elements having the terminal as the source of the data may be referenced in the
PDOL.
If the PDOL does not exist, the GET PROCESSING OPTIONS command uses a
command data field of '8300', indicating that the length of the value field in the
command data is zero.
If the PDOL exists, the terminal extracts the PDOL from the FCI of the ADF and
uses it to create a concatenated list of data elements without tags or lengths. The
rules specified in section 5.4 apply to processing of the PDOL.

8
There may be some exceptions in the timing for this. For example, these bits could be
set to 0 at the completion of the previous transaction or prior to application selection of
this transaction. The intent here is that the processing steps as described in the
Application Specification presume the bits have been initialised to 0.
10 Functions Used in Transaction Processing EMV 4.3 Book 3
10.1 Initiate Application Processing Appli cation Specification

The terminal issues the GET PROCESSING OPTIONS command using either
the command data field of '8300' (if there was no PDOL in the ICC) or a data
object constructed with a tag of '83' and the appropriate length according to
BER-TLV encoding rules and a value field that is the concatenated list of data
elements resulting from processing the PDOL. The card returns either:
The Application Interchange Profile, the Application File Locator (identifying
the files and records containing the data to be used for the transaction), and
status SW1 SW2 = '9000', or
Status SW1 SW2 = '6985' (Conditions of use not satisfied), indicating that
the transaction cannot be performed with this application.
The format of the response message is given in section 6.5.8.
If the status words '6985' are returned, the terminal shall eliminate the current
application from consideration and return to the Application Selection function to
select another application.
EMV 4.3 Book 3 10 Functions Used in Transaction Processing
Appli cation Specification 10.2 Read Application Data

10.2 Read Application Data
Purpose:
Data contained in files in the ICC are required by the terminal to perform the
various functions used in transaction processing as described in this section. The
terminal must read this data from the ICC.
The Read Application Data function is performed immediately following the
Initiate Application Processing function.
Description:
The terminal shall read the files and records indicated in the AFL using the
READ RECORD command identifying the file by its SFI. If an error prevents the
terminal from reading data from the ICC, the transaction shall be terminated
(see section 8.1).
The AFL is a list identifying the files and records to be used in the processing of a
transaction. The terminal is to read only the records named in the AFL. Each
element of the list corresponds to a file to be read and is structured as follows:
The five most significant bits of the first byte indicate the SFI. The three least
significant bits of the first byte shall be set to zero.
The second byte indicates the first (or only) record number to be read for that
SFI. The second byte shall never be set to zero.
The third byte indicates the last record number to be read for that SFI. Its
value is either greater than or equal to the second byte. When the third byte
is greater than the second byte, all the records ranging from the record
number in the second byte to and including the record number in the third
byte shall be read for that SFI. When the third byte is equal to the second
byte, only the record number coded in the second byte shall be read for that
SFI.
The fourth byte indicates the number of records involved in offline data
authentication starting with the record number coded in the second byte. The
fourth byte may range from zero to the value of the third byte less the value
of the second byte plus 1.
10.2 Read Application Data Appli cation Specification

The terminal shall process each entry in the AFL from left to right. A READ
RECORD command as described in section 6.5.11 shall be issued for each record
between the starting record number and the ending record number, inclusively.
Any SW1 SW2 other than '9000' passed to the application layer as a result of
reading any record shall cause the transaction to be terminated. Records
specified in the AFL to be included in offline data authentication shall be
processed as described in section 10.3.
The terminal shall store all recognised data objects read, whether mandatory or
optional, for later use in the transaction processing. Data objects that are not
recognised by the terminal (that is, their tags are unknown by the terminal) shall
not be stored, but records containing such data objects may still participate in
their entirety in offline data authentication, depending upon the coding of the
AFL.
9

All mandatory data objects shall be present in the card. If any mandatory data
objects are not present, the terminal shall terminate the transaction.
Redundant primitive data objects are not permitted. If the terminal encounters
more than one occurrence of a single primitive data object while reading data
from the ICC, the transaction shall be terminated.
Proprietary data files may or may not conform to this specification. Records in
proprietary files may be represented in the AFL and may participate in offline
data authentication if they are readable without conditions by the READ
RECORD command coded according to this specification. Otherwise, the reading
and processing of proprietary files is beyond the scope of this specification.

9
Payment system-specific tags are interpreted within the context of the application RID.
Issuer-specific tags are interpreted within the context of the Issuer Identification Number
(as defined in ISO/IEC 7812-1). Additionally, to satisfy business requirements such as
proprietary domestic processing, multiple issuers may agree on the definition of a private
class tag. Such tags may be interpreted in the context of other data such as Issuer
Country Code.
Appli cation Specification 10.3 Offline Data Authentication

10.3 Offline Data Authentication
Purpose:
Offline data authentication is performed as specified in Book 2. This specification
describes how it is determined whether offline data authentication will be
performed, what kind of authentication will be performed, and how the success or
failure of authentication affects the transaction flow and data recorded in the
TVR and TSI.
Availability of data in the ICC to support offline data authentication is optional;
its presence is indicated in the Application Interchange Profile. If the terminal
and the ICC support a common method of offline data authentication, the
terminal shall perform offline data authentication. Depending on the capabilities
of the card and the terminal, SDA or DDA or CDA is performed.
If both of the following are true, the terminal shall perform CDA as specified in
Book 2:
The Application Interchange Profile indicates that the card supports CDA.
The terminal supports CDA.
If all of the following are true, the terminal shall perform DDA as specified in
Book 2:
The Application Interchange Profile indicates that the card supports DDA.
The terminal supports DDA.
Either the card or terminal (or both) does not support CDA.
If all of the following are true, the terminal shall perform SDA as specified in this
specification:
The Application Interchange Profile indicates that the card supports SDA.
The terminal supports SDA.
Either the card or the terminal (or both) does not support DDA.
Either the card or terminal (or both) does not support CDA.
If neither SDA nor DDA nor CDA is performed, the terminal shall set the Offline
data authentication was not performed bit in the TVR to 1.
The terminal shall perform offline data authentication in any order after Read
Application Data but before completion of the terminal action analysis.
10.3 Offline Data Authentication Appli cation Specification

Note: Although the terminal shall commence performing CDA before completion of
Terminal Action Analysis, the terminal will not normally finish performing CDA until
after it has received the response to the GENERATE AC command. (This is a necessary
consequence of the design of CDA.)
Description:
SDA authenticates static data put into the card by the issuer. DDA and CDA
authenticate ICC-resident data, data from the terminal, and the card itself.
Input to the authentication process is formed from the records identified by the
AFL, followed by the data elements identified by the optional Static Data
Authentication Tag List (tag '9F4A').
Only those records identified in the AFL as participating in offline data
authentication are to be processed. Records are processed in the same sequence
in which they appear within AFL entries. The records identified by a single AFL
entry are to be processed in record number sequence. The first record begins the
input for the authentication process, and each succeeding record is concatenated
at the end of the previous record.
The records read for offline data authentication shall be TLV-coded with tag
equal to '70'.
The data from each record to be included in the offline data authentication input
depends upon the SFI of the file from which the record was read.
For files with SFI in the range 1 to 10, the record tag ('70') and the record
length are excluded from the offline data authentication process. All other
data in the data field of the response to the READ RECORD command
(excluding SW1 SW2) is included.
For files with SFI in the range 11 to 30, the record tag ('70') and the record
length are not excluded from the offline data authentication process. Thus all
data in the data field of the response to the READ RECORD command
(excluding SW1 SW2) is included.
If the records read for offline data authentication are not TLV-coded with tag
equal to '70' then offline data authentication shall be considered to have been
performed and to have failed; that is, the terminal shall set the Offline data
authentication was performed bit in the TSI to 1, and shall set the appropriate
SDA failed or DDA failed or CDA failed bit in the TVR.
The bytes of the record are included in the concatenation in the order in which
they appear in the command response.
After all records identified by the AFL have been processed, the Static Data
Authentication Tag List is processed, if it exists. If the Static Data
Authentication Tag List exists, it shall contain only the tag for the Application
Interchange Profile. The tag must represent the AIP available in the current
application. The value field of the AIP is to be concatenated to the current end of
the input string. The tag and length of the AIP are not included in the
concatenation.
Appli cation Specification 10.3 Offline Data Authentication

Building of the input list for offline data authentication is considered the first
step in the offline data authentication process. If the input cannot be built
because of a violation of one of the above rules but offline data authentication
should be performed according to the Conditions of Execution above, offline data
authentication shall be considered to have been performed and to have failed;
that is, the terminal shall set the Offline data authentication was performed bit
in the TSI to 1 and shall set the appropriate SDA failed or DDA failed or CDA
failed bit in the TVR.
See Book 2 for additional steps to be performed for offline data authentication.
If SDA is performed but is unsuccessful, the SDA failed bit in the TVR shall be
set to 1; otherwise it shall be set to 0.
If DDA is performed but is unsuccessful, the DDA failed bit in the TVR shall be
If CDA is performed but is unsuccessful, the CDA failed bit in the TVR shall be
Upon completion of the offline data authentication function, the terminal shall
set the Offline data authentication was performed bit in the TSI to 1.
10.4 Processing Restrictions Appli cation Specification

10.4 Processing Restrictions
Purpose:
The purpose of the Processing Restrictions function is to determine the degree of
compatibility of the application in the terminal with the application in the ICC
and to make any necessary adjustments, including possible rejection of the
transaction.
Functions described here may be performed at any time after Read Application
Data and prior to completion of the terminal action analysis.
Description:
The Processing Restrictions function comprises the following compatibility
checks:
Application Version Number
Application Usage Control
Application Effective/Expiration Dates Checking
10.4.1 Application Version Number
The application within both the terminal and the ICC shall maintain an
Application Version Number assigned by the payment system. The terminal shall
use the version number in the ICC to ensure compatibility. If the Application
Version Number is not present in the ICC, the terminal shall presume the
terminal and ICC application versions are compatible, and transaction
processing shall continue. If the Application Version Number is present in the
ICC, it shall be compared to the Application Version Number maintained in the
terminal. If they are different, the terminal shall set the ICC and terminal have
different application versions bit in the TVR to 1.
10.4.2 Application Usage Control
The Application Usage Control indicates restrictions limiting the application
geographically or to certain types of transactions. If this data object is present,
the terminal shall make the following checks:
If the transaction is being conducted at an ATM, the Valid at ATMs bit must
be on in Application Usage Control.
If the transaction is not being conducted at an ATM, the Valid at terminals
other than ATMs bit must be on in Application Usage Control.
Appli cation Specification 10.4 Processing Restrictions

If the Application Usage Control and Issuer Country Code are both present in the
ICC, the terminal shall make the checks described in Table 32.

If:
and if
Issuer Country Code:
then the following bit must be
set to 1 in
Application Usage Control:
Transaction Type
indicates cash
transaction
matches
Terminal Country Code
Valid for domestic cash
transactions
does not match
Valid for international cash
transactions
Transaction Type
indicates
purchase (of
goods/services)
matches
Valid for domestic goods and/or
Valid for domestic services
does not match
Valid for international goods
and/or Valid for international
services
transaction has a
cashback amount
matches
Domestic cashback allowed
does not match
International cashback allowed
Table 32: Terminal Action Regarding Application Usage Control
If any of the above tests fail, the terminal shall set the Requested service not
allowed for card product bit in the TVR to 1.
10.4.3 Application Effective/Expiration Dates Checking
If the Application Effective Date is present in the ICC, the terminal shall check
that the current date is greater than or equal to the Application Effective Date. If
it is not, the terminal shall set the Application not yet effective bit in the TVR
to 1.
The terminal shall check that the current date is less than or equal to the
Application Expiration Date. If it is not, the terminal shall set the Expired
application bit in the TVR to 1.
10.5 Cardholder Verification Appli cation Specification

10.5 Cardholder Verification
Purpose:
Cardholder verification is performed to ensure that the person presenting the
ICC is the person to whom the application in the card was issued.
Ability of the ICC to support at least one cardholder verification method is
indicated in the Application Interchange Profile, as shown in Annex C1. If this
bit is set to 1, the terminal shall use the cardholder verification related data in
the ICC to determine whether one of the issuer-specified cardholder verification
methods (CVMs) shall be executed. This process is described below.
This function may be performed any time after Read Application Data and before
completion of the terminal action analysis.
Description:
The CVM List (tag '8E') is a composite data object consisting of the following:
1. An amount field (4 bytes, binary format), referred to as X in Table 40: CVM
Condition Codes. X is expressed in the Application Currency Code with
implicit decimal point. For example, 123 (hexadecimal '7B') represents 1.23
when the currency code is '826'.
2. A second amount field (4 bytes, binary format), referred to as Y in Table 40.
Y is expressed in Application Currency Code with implicit decimal point. For
example, 123 (hexadecimal '7B') represents 1.23 when the currency code is
'826'.
3. A variable-length list of two-byte data elements called Cardholder
Verification Rules (CV Rules). Each CV Rule describes a CVM and the
conditions under which that CVM should be applied (see Annex C3).
If the CVM List is not present in the ICC, the terminal shall terminate
cardholder verification without setting the Cardholder verification was
performed bit in the TSI.
Note: A CVM List with no Cardholder Verification Rules is considered to be the same as
a CVM List not being present.
If the CVM List is present in the ICC, the terminal shall process each rule in the
order in which it appears in the list according to the following specifications.
Cardholder verification is completed when any one CVM is successfully
performed or when the list is exhausted.
If the terminal encounters formatting errors in the CVM List such as a list with
an odd number of bytes (that is, with an incomplete CVM Rule), the terminal
shall terminate the transaction as specified in Book 3 section 7.5.
Appli cation Specification 10.5 Cardholder Verification

If any of the following is true:
the conditions expressed in the second byte of a CV Rule are not satisfied, or
data required by the condition (for example, the Application Currency Code or
Amount, Authorised) is not present, or
the CVM Condition Code is outside the range of codes understood by the
terminal (which might occur if the terminal application program is at a
different version level than the ICC application),
then the terminal shall bypass the rule and proceed to the next. If there are no
more CV Rules in the list, cardholder verification has not been successful, and
the terminal shall set the Cardholder verification was not successful bit in the
TVR to 1.
If the conditions expressed in the second byte of the CV Rule are satisfied, the
terminal next checks whether it recognises the CVM coded in the first byte of the
CV Rule and proceeds according to the following steps:
1. If the CVM is recognised, the terminal next checks to determine whether it
supports the CVM.
If the CVM is supported, the terminal shall attempt to perform it.
o If the CVM is performed successfully, cardholder verification is
complete and successful. If the CVM just processed was Fail CVM
Processing, the terminal shall set the Cardholder verification was
not successful bit in the TVR (b8 of byte 3) to 1 and no further
CVMs shall be processed regardless of the setting of b7 of byte 1 in
the first byte of the CV Rule.
10

o If the CVM is not performed successfully, processing continues at
step 2.
If the CVM is not supported, processing continues at step 2. In addition,
the terminal shall set the PIN entry required and PIN pad not present or
not working bit (b5 of byte 3) of the TVR to 1 for the following cases:
o The CVM was online PIN and online PIN was not supported
o The CVM included any form of offline PIN, and neither form of
offline PIN was supported.
If the CVM is not recognised, the terminal shall set the Unrecognised CVM
bit in the TVR (b7 of byte 3) to 1 and processing continues at step 2.
2. If cardholder verification was not completed in step 1 (that is, the CVM was
not recognised, was not supported, or failed), the terminal examines b7 of
byte 1 of the CV Rule.

10
If a card CVM List contains an entry for 'Fail CVM Processing,' it is strongly
recommended that byte 1 bit 7 be set to 0 for this entry.

If b7 is set to 1, processing continues with the next CV Rule, if one is
present.
If b7 is set to 0, or there are no more CV Rules in the list, cardholder
verification is complete and unsuccessful. The terminal shall set the
Cardholder verification was not successful bit in the TVR (b8 of byte 3) to
1.
When cardholder verification is completed, the terminal shall:
set the CVM Results according to Book 4 section 6.3.4.5
set the Cardholder verification was performed bit in the TSI to 1.

10.5.1 Offline PIN Processing
This section applies to the verification by the ICC of a plaintext or enciphered
PIN presented by the terminal.
If an offline PIN is the selected CVM as determined by the above process, offline
PIN processing may not be successfully performed for any one of the following
reasons:
The terminal does not support offline PIN.
11
In this case, the terminal shall
set the PIN entry required and PIN pad not present or not working bit in the
TVR to 1.
The terminal supports offline PIN, but the PIN pad is malfunctioning. In this
case, the terminal shall set the PIN entry required and PIN pad not present
or not working bit in the TVR to 1.
The terminal bypassed PIN entry at the direction of either the merchant or
the cardholder.
12
In this case, the terminal shall set the PIN entry required,
PIN pad present, but PIN was not entered bit in the TVR to 1. The terminal
shall consider this CVM unsuccessful and shall continue cardholder
verification processing in accordance with the cards CVM List.
The PIN is blocked upon initial use of the VERIFY command or if recovery of
the enciphered PIN Block has failed (the ICC returns SW1 SW2 = '6983' or
'6984' in response to the VERIFY command). In this case, the terminal shall
set the PIN Try Limit exceeded bit in the TVR to 1.
The number of remaining PIN tries is reduced to zero (indicated by an
SW1 SW2 of '63C0' in the response to the VERIFY command). In this case,
the terminal shall set the PIN Try Limit exceeded bit in the TVR to 1.
The only case in which offline PIN processing is considered successful is when
the ICC returns an SW1 SW2 of '9000' in response to the VERIFY command.

11
This means that the terminal does not support either offline plaintext PIN verification
or offline enciphered PIN verification. If the terminal supports at least one of these
functions, it is considered to support offline PIN for the purposes of setting the TVR bits.
12
Especially for a new cardholder or during conversion to PINs, it is likely that a
cardholder will realize that he or she does not know the PIN. In this case, it is better to
bypass PIN processing with an indication to the issuer of the circumstances than it is to
either terminate the transaction or try numbers until the PIN try count is exhausted. If
the transaction goes online, the issuer can decide whether to accept the transaction
without the PIN.

10.5.2 Online PIN Processing
If online PIN processing is a required CVM as determined by the above process,
the processing may not be successfully performed for any one of the following
reasons:
The terminal does not support online PIN. In this case, the terminal shall set
the PIN entry required and PIN pad not present or not working bit in the
TVR to 1.
The terminal supports online PIN, but the PIN pad is malfunctioning. In this
case, the terminal shall set the PIN entry required and PIN pad not present
or not working bit in the TVR to 1.
The terminal bypassed PIN entry at the direction of either the merchant or
the cardholder. In this case, the terminal shall set the PIN entry required,
PIN pad present, but PIN was not entered bit in the TVR to 1.
If the online PIN is successfully entered, the terminal shall set the Online PIN
entered bit in the TVR to 1. In this case, cardholder verification is considered
successful and complete.
10.5.3 Signature Processing
If a (paper) signature is a required CVM as determined by the above process, the
terminal shall determine success based upon the terminals capability to support
the signature process (see complementary payment systems documentation for
additional information). If the terminal is able to support signature, the process
is considered successful, and cardholder verification is complete.
10.5.4 Combination CVMs
Some CVMs require multiple verification methods (for example, offline PIN plus
signature). For these CVMs, all methods in the CVM must be successful for
cardholder verification to be considered successful.
10.5.5 CVM Processing Logic
The flows on the following pages illustrate the CVM processing logic but do not
contain all the details of the execution of the selected CVM.

Terminal selects first
or next CV Rule
in CVM List
Terminal
recognises
CVM?
Is CVM Code
Supported? *
CVM
Failed?
Any more
CVM entries?
Set 'Unrecognised
CVM' in TVR
Perform 'Selected
CVM Code is not
Supported' Logic
(See T in Part 2 of
flow)
NO
Perform CVM (See
U in Part 3 - Online PIN
V in Part 3 Signature
W in Part 3 No CVM Reqd
X in Part 4 Offline PIN
Z in Part 5 Combo. CVM)
YES
NO
Set Cardholder
Verification was
Performed in TSI.
NO
CVM List
Processing
CVM List
Processing
Complete
AIP supports
CVM processing
CVM List
present with CV
rules?
CVM
Condition ='If
terminal supports
CVM'?
A
B
YES
CV Rule
Byte 1
bit 7 =...
YES
CVM =Fail CVM
NO
C YES
Set 'Cardholder
verification not
successful' in
TVR.
YES
CVM
Condition rules
satisfied? (See
S in Part 2 of
flow)
YES
Set TVR 'ICC
Data Missing'
NO
'1' - Apply
next CVM
'0' -
Fail CVM
processing
C
* Note:
For EMV
defined codes,
support is
indicated in
Terminal
Capabilities.
For non-EMV
defined codes,
support is
known
implicitly.
For
Combination
CVMs, both
CVMs must be
supported.
D
Set CVM Results
to 3F0000 - 'No
CVM performed'
A
B
YES
Is CVM Code
supported? *
YES
Set CVM Results
to Failed (See Y
in Part 5 of flow)
CVM
Failed
CVM
Condition =
'Always'?
NO
YES
C
NO
NO
NO
YES
YES
NO
NO
D

Figure 8: CVM Processing (Part 1 of 5)

Terminal
understands
CVM Condition?
CVM Condition
satisfied?
CVM
Condition data
available?
YES
YES
'CVM Condition Rules
Satisfied?' Logic
CVM Condition
rules
not satisfied.
CVM Condition rules
satisfied.
YES
NO
NO
'Selected CVM Code Is
Not Supported' Logic
CVM
includes any form
of offline PIN?*
CVM
=Online
PIN?
Terminal
supports any
form of offline
PIN?
YES
NO
YES
YES
NO
Set 'PIN entry req'd
but PIN pad not
present or not
working' in TVR.
NO
NO
T
(From Part 1
of flow)
S
(From Part 1
of flow)
Continue with
Part 1 of flow
Continue
with Part 1 of
flow
* "CVM includes any form of offline PIN"
includes the following CVMs:
Plaintext PIN verification performed by ICC
Enciphered PIN verification performed by
ICC
Plaintext PIN verification performed by ICC
and Signature (Paper)
Enciphered PIN verification performed by
ICC and Signature (Paper)


Set CVM Results to
'Unknown'
PIN pad is
malfunctioning?
Set terminal to print
signature line on
receipt.
Request PIN entry
Set CVM Results to
'Unknown'
Consider that CVM is
successful
Consider that Online
PIN CVM is
successful
PIN entry
bypassed?
NO
NO
Terminal sets 'PIN
entry req'd but PIN
pad not present or
not working' in TVR.
Terminal sets 'PIN
entry req'd but PIN
was not entered' in
TVR.
YES
YES
Consider that
Online PIN CVM is
not successful
Consider that CVM is
successful
Set CVM Results to
'Successful'
W
(From Part 1
of flow)
V
(From Part 1
of flow)
U
(From Part 1
of flow)
Continue
with Part 1 of
flow
Continue
with Part 1 of
flow
Continue
with Part 1 of
flow
Set Online PIN
Entered in TVR to 1
Either bypassed for the current
CVM or (optionally) bypassed
during processing of a previous
PIN-related CVM.


Terminal
issues GET
DATA for PIN Try
Counter?
PIN Try Counter
retrieved?
YES
YES
PIN pad is
malfunctioning?
Ask for PIN
entry
Send enciphered or
plaintext PIN to ICC
in VERIFY command
NO
Set PIN Try
Limit exceeded
in TVR
PIN entry
bypassed? *
NO
NO
Terminal sets 'PIN
entry req'd but PIN
was not entered' in
TVR.
YES
Consider that
Offline PIN CVM
is not successful
PIN Try
Counter =0?
YES
Offline
Enciphered PIN?
Recover the
public key to be
used for PIN
encipherment .
YES
Encipher PIN
using recovered
ICC key
Terminal sets 'PIN
entry req'd but PIN
pad not present or
not working' in
TVR.
YES
Get unpred. number
from ICC with GET
CHALLENGE
Recovery OK?
GET
CHALLENGE
OK?
YES
YES
SW1SW2
=63Cx with
x >0?
Set CVM Results to
'Successful'
YES
SW1SW2
=9000?
SW1SW2
=63C0, 6983,
6984?
YES
Terminate
transaction
NO
YES
Consider that Offline
PIN CVM is
successful
E
E
NO
NO
NO
NO
NO
NO
X
(From Part 1
of flow)
Continue
with Part 1 of
flow
Continue
with Part 1 of
flow
* Either bypassed for the
current CVM or (optionally)
bypassed during processing
of a previous PIN-related
CVM.
NO
Offline PIN


Y
(From Part 1
of flow)
Was any CVM
Condition
satisfied?
Set CVM
Results to
3F 00 01
NO
Set CVM
Results to
Failed with the
Method Code
and CVM
Condition
reflecting the
last CVM
performed.
YES
Continue with
Part 1 of flow
Setting CVM Results to Failed Combination CVMs
Z
(From Part 1
of flow)
Perform CVM 1
and CVM 2
(See parts 3
and 4 of flow.)
Both CVMs are
successful?
Result of
either CVM is
unknown?
Continue
with Part 1 of
flow
Consider that
Combination CVM
is successful
Set CVM
Results to
'Unknown'
Consider that
Combination CVM
is unsuccessful
Set CVM
Results to
'Successful'
YES
NO
YES NO
CVM for any
satisfied CVM
Condition was
recognised and
supported?
NO


10.6 Terminal Risk Management Appli cation Specification

10.6 Terminal Risk Management
Purpose:
Terminal risk management is that portion of risk management performed by the
terminal to protect the acquirer, issuer, and system from fraud. It provides
positive issuer authorisation for high-value transactions and ensures that
transactions initiated from ICCs go online periodically to protect against threats
that might be undetectable in an offline environment. The result of terminal risk
management is the setting of appropriate bits in the TVR.
Terminal risk management shall always be performed regardless of the setting of the
Terminal risk management is to be performed bit in the Application Interchange Profile.
Random transaction selection need not be performed by a terminal with no online
capability.
Terminal risk management may be performed at any time after Read Application
Data but before issuing the first GENERATE AC command.
Description:
Terminal risk management consists of:
Floor limit checking
Random transaction selection
Velocity checking
Upon completion of terminal risk management, the terminal shall set the
Terminal risk management was performed bit in the TSI to 1.
Appli cation Specification 10.6 Terminal Risk Management

10.6.1 Floor Limits
To prevent split sales, the terminal may have a transaction log of approved
transactions stored in the terminal consisting of at least the Application PAN
and transaction amount and possibly the Application PAN Sequence Number and
Transaction Date. The number of transactions to be stored and maintenance of
the log are outside the scope of this specification, although to prevent split sales
the number of transactions stored may be quite small.
During terminal risk management floor limit checking, the terminal checks the
transaction log (if available) to determine if there is a log entry with the same
Application PAN, and, optionally, the same Application PAN Sequence Number.
If there are several log entries with the same PAN, the terminal selects the most
recent entry. The terminal adds the Amount, Authorised for the current
transaction to the amount stored in the log for that PAN to determine if the sum
exceeds the Terminal Floor Limit. If the sum is greater than or equal to the
Terminal Floor Limit, the terminal shall set the Transaction exceeds floor limit
bit in the TVR to 1.
If the terminal does not have a transaction log available or if there is no log entry
with the same PAN, the Amount, Authorised is compared to the appropriate floor
limit. If the amount authorised is equal to or greater than the floor limit, the
terminal sets the Transaction exceeds floor limit bit to 1 in the TVR.
10.6.2 Random Transaction Selection
For each application the relevant payment system specifies, in addition to the
floor limit:
Target Percentage to be Used for Random Selection (in the range of 0 to 99)
Threshold Value for Biased Random Selection (which must be zero or a
positive number less than the floor limit)
Maximum Target Percentage to be Used for Biased Random Selection (also
in the range of 0 to 99 but at least as high as the previous Target Percentage
to be Used for Random Selection). This is the desired percentage of
transactions just below the floor limit that will be selected by this algorithm.
Any transaction with a transaction amount less than the Threshold Value for
Biased Random Selection will be subject to selection at random without further
regard for the value of the transaction. The terminal shall generate a random
number in the range of 1 to 99. If this random number is less than or equal to the
Target Percentage to be used for Random Selection, the transaction shall be
selected.
10.6 Terminal Risk Management Appli cation Specification

Any transaction with a transaction amount equal to or greater than the
Threshold Value for Biased Random Selection but less than the floor limit will be
subject to selection with bias toward sending higher value transactions online
more frequently (biased random selection). For these transactions, the terminal
shall compare its generated random number against a Transaction Target
Percent, which is a linear interpolation of the target percentages provided by the
payment system (Target Percentage to be used for Random Selection and
Maximum Target Percentage to be used for Biased Random Selection).
13
If the
random number is less than or equal to the Transaction Target Percent, the
transaction shall be selected.
Figure 13 illustrates the probability of selection as a function of the transaction
amount:

Figure 13: Random Transaction Selection Example
If the transaction is selected through the process described in this section, the
terminal shall set the Transaction selected randomly for online processing bit in
the TVR to 1.

13
The Transaction Target Percent is calculated as follows:
Interpolation factor
Amount, Authorised Threshold Value
Floor Limit Threshold Value
=

( ) ( )
Transaction Target Percent = Maximum Target Percent - Target Percent Interpolation factor
Target Percent
+

Floor
Limit
Biased
Selection
Threshold
P
r
o
b
a
b
i
l
i
t
y

o
f

S
e
l
e
c
t
i
o
n
0
1
Appli cation Specification 10.6 Terminal Risk Management

10.6.3 Velocity Checking
If both the Lower Consecutive Offline Limit (tag '9F14') and Upper Consecutive
Offline Limit (tag '9F23') exist, the terminal shall perform velocity checking as
described in this section.
14
If either of these data objects is not present in the ICC
application, the terminal shall skip this section.
The ATC and Last Online ATC Register shall be read from the ICC using
GET DATA commands. If either of the required data objects is not returned by
the ICC in response to the GET DATA command, or if the value of the ATC is
less than or equal to the value in the Last Online ATC Register, the terminal
shall:
Set both the Lower consecutive offline limit exceeded and the Upper
consecutive offline limit exceeded bits in the TVR to 1.
Not set the New card indicator in the TVR unless the Last Online ATC
Register is returned and equals zero.
End velocity checking for this transaction.
If the required data objects are available, the terminal shall compare the
difference between the ATC and the Last Online ATC Register with the Lower
Consecutive Offline Limit to see if the limit has been exceeded. If the difference is
equal to the Lower Consecutive Offline Limit, this means that the limit has not
yet been exceeded. If the limit has been exceeded, the terminal shall set the
Lower consecutive offline limit exceeded bit in the TVR to 1 and also compare
the difference with the Upper Consecutive Offline Limit to see if the upper limit
has been exceeded. If it has, the terminal shall set the Upper consecutive offline
limit exceeded bit in the TVR to 1.
The terminal shall also check the Last Online ATC Register for a zero value. If it
is zero, the terminal shall set the New card bit in the TVR to 1.

14
The purpose of velocity checking is to allow an issuer to request that, after a certain
number of consecutive offline transactions (the Lower Consecutive Offline Limit),
transactions should be completed online. However, if the terminal is incapable of going
online, transactions may still be completed offline until a second (Upper Consecutive
Offline Limit) limit is reached. After the upper limit is reached, the recommendation of
the issuer might be to reject any transaction that cannot be completed online. Once a
transaction has been completed online with successful issuer authentication, the count
begins anew, so that transactions may be processed offline until the lower limit is again
reached.
10.7 Terminal Action Analysis Appli cation Specification

10.7 Terminal Action Anal ysis
Purpose:
Once terminal risk management and application functions related to a normal
offline transaction have been completed, the terminal makes the first decision as
to whether the transaction should be approved offline, declined offline, or
transmitted online.
If the outcome of this decision process is to proceed offline, the terminal issues
a GENERATE AC command to ask the ICC to return a TC.
If the outcome of the decision is to go online, the terminal issues a
GENERATE AC command to ask the ICC for an Authorisation Request
Cryptogram (ARQC).
If the decision is to reject the transaction, the terminal issues a GENERATE
AC to ask for an Application Authentication Cryptogram (AAC).
An offline decision made here is not final. If the terminal asks for a TC from the
ICC, the ICC, as a result of card risk management, may return an ARQC or AAC.
The terminal action analysis function is always performed.
The terminal action analysis function is performed after terminal risk
management and cardholder and/or merchant transaction data entry has been
completed. It shall be performed prior to the first use of the GENERATE AC
command.
The Issuer Action Code - Default and Terminal Action Code - Default processing
described below shall also be performed after online processing is attempted in
the case where the terminal was unable to process the transaction online.
The terminal action analysis function may be executed at several places during a
transaction to eliminate the need for unnecessary processing. If any processing
results in the setting of a bit in the TVR (for example, failure of cardholder
verification), it may be desirable to perform this function immediately to
determine whether the transaction should be rejected offline based upon the
issuers parameters in the ICC or the acquirers parameters in the terminal.
Recognition of such a decision early in processing may allow the terminal to avoid
prolonging a transaction that will ultimately be rejected. Multiple execution of
this decision process is optional on the part of the terminal.
Appli cation Specification 10.7 Terminal Action Analysis

Description:
The terminal shall make a preliminary decision to reject the transaction,
complete it online, or complete it offline based upon the TVR, issuer action
preferences, and acquirer action preferences according to the method described in
this section.
The ICC contains (optionally) three data elements to reflect the issuers selected
action to be taken based upon the content of the TVR. Each of the three data
elements has defaults specified here in case any of these data elements are
absent from the ICC. The three data elements are:
Issuer Action Code - Denial
Issuer Action Code - Online
Issuer Action Code - Default
Collectively, these three data objects are termed the Issuer Action Codes. The
purpose of each is described in this section. The format of each is identical and
mirrors the TVR. Each has one bit corresponding to each bit in the TVR, and the
Issuer Action Code (IAC) bit specifies an action to be taken if the corresponding
bit in the TVR is set to 1. Thus, the size and format of each of the Issuer Action
Codes is identical to the TVR.
Similarly, the terminal may contain three data elements to reflect the acquirers
selected action to be taken based upon the content of the TVR. These data
elements are:
Terminal Action Code - Denial
Terminal Action Code - Online
Terminal Action Code - Default
Collectively, these three data objects are termed the Terminal Action Codes. The
purpose of each is described in this section. The format of each is identical and
mirrors the TVR. Each has one bit corresponding to each bit in the TVR, and the
Terminal Action Code (TAC) bit specifies an action to be taken if the
corresponding bit in the TVR is set to 1. Thus, the size and format of each of the
Terminal Action Codes is identical to the TVR and to the Issuer Action Codes.
The existence of each of the Terminal Action Codes is optional. In the absence of
any Terminal Action Code, a default value consisting of all bits set to 0 is to be
used in its place. However, it is strongly recommended that as a minimum, the
Terminal Action Code - Online and Terminal Action Code - Default should be
included with the bits corresponding to Offline data authentication was not
performed, and either SDA failed, or DDA failed or CDA failed set to 1.
15

15
This protects against a fraudulent card with all the bits in the Issuer Action Code set to
0. Without this protection, such a card could be created with no possibility of going online
or declining transactions. All transactions would be approved offline.
10.7 Terminal Action Analysis Appli cation Specification

Processing of the action codes is done in pairs, that is, the Issuer Action Code -
Denial is processed together with the Terminal Action Code - Denial, the Issuer
Action Code - Online is processed together with the Terminal Action Code -
Online, and the Issuer Action Code - Default is processed together with the
Terminal Action Code - Default. Processing of the action codes shall be performed
in the order specified here.
If the Issuer Action Code - Denial does not exist, a default value with all bits set
to 0 is to be used. Together, the Issuer Action Code - Denial and the Terminal
Action Code - Denial specify the conditions that cause denial of a transaction
without attempting to go online. If either data object exists, the terminal shall
inspect each bit in the TVR. For each bit in the TVR that has a value of 1, the
terminal shall check the corresponding bits in the Issuer Action Code - Denial
and the Terminal Action Code - Denial. If the corresponding bit in either of the
action codes is set to 1, it indicates that the issuer or the acquirer wishes the
transaction to be rejected offline. In this case, the terminal shall issue a
GENERATE AC command to request an AAC from the ICC. This AAC may be
presented to the issuer to prove card presence during this transaction, but details
of handling a rejected transaction are outside the scope of this specification.
If the Issuer Action Code - Online is not present, a default value with all bits set
to 1 shall be used in its place. Together, the Issuer Action Code - Online and the
Terminal Action Code - Online specify the conditions that cause a transaction to
be completed online. These data objects are meaningful only for terminals
capable of online processing. Offline-only terminals may skip this test and
proceed to checking the Issuer Action Code - Default and Terminal Action Code -
Default, described below. For an online-only terminal, if it has not already
decided to reject the transaction as described above, it shall continue transaction
processing online, and shall issue a GENERATE AC command requesting an
ARQC from the card. For a terminal capable of online processing, if the terminal
has not already decided to reject the transaction as described above, the terminal
shall inspect each bit in the TVR. For each bit in the TVR that has a value of 1,
the terminal shall check the corresponding bits in both the Issuer Action Code -
Online and the Terminal Action Code - Online. If the bit in either of the action
codes is set to 1, the terminal shall complete transaction processing online and
shall issue a GENERATE AC command requesting an ARQC from the ICC.
Otherwise, the terminal shall issue a GENERATE AC command requesting a TC
from the ICC.
Appli cation Specification 10.7 Terminal Action Analysis

If the Issuer Action Code - Default does not exist, a default value with all bits set
to 1 shall be used in its place. Together, the Issuer Action Code - Default and the
Terminal Action Code - Default specify the conditions that cause the transaction
to be rejected if it might have been approved online but the terminal is for any
reason unable to process the transaction online. The Issuer Action Code - Default
and the Terminal Action Code - Default are used only if the Issuer Action Code -
Online and the Terminal Action Code - Online were not used (for example, in
case of an offline-only terminal) or indicated a desire on the part of the issuer or
the acquirer to process the transaction online but the terminal was unable to go
online. In the event that an online-only terminal was unable to successfully go
online, it may optionally skip TAC/IAC Default processing (shown in Figure 7 for
a transaction that was not completed on-line)
16
. If an online-only terminal does
skip TAC/IAC Default processing, it shall request an AAC with the second
GENERATE AC command. If the terminal has not already rejected the
transaction and the terminal is for any reason unable to process the transaction
online, the terminal shall use this code to determine whether to approve or reject
the transaction offline. If any bit in Issuer Action Code - Default or the Terminal
Action Code - Default and the corresponding bit in the TVR are both set to 1, the
transaction shall be rejected and the terminal shall request an AAC to complete
processing. If no such condition appears, the transaction may be approved offline,
and a GENERATE AC command shall be issued to the ICC requesting a TC.
If CDA is to be performed (as described in section 10.3 of this book and section
6.6 of Book 2), the terminal shall set the bit for CDA Signature Requested in the
GENERATE AC command to 1.

16
Note that if an online-only terminal is unable to successfully go online and TAC/IAC
Default processing is optionally performed, this could result in a TC being requested with
the second GENERATE AC command (depending upon the TAC/IAC Default settings).
10.8 Card Action Analysis Appli cation Specification

10.8 Card Action Analysis
Purpose:
An ICC may perform its own risk management to protect the issuer from fraud or
excessive credit risk. Details of card risk management algorithms within the ICC
are specific to the issuer and are outside the scope of this specification, but as a
result of the risk management process, an ICC may decide to complete a
transaction online or offline or reject the transaction. The ICC may also decide
that an advice message should be sent to the issuer to inform the issuer of an
exceptional condition.
The card online/offline decision is specified by its response to the GENERATE AC
command. Therefore, this section applies to all transactions. Whether the ICC
performs any risk management tests is transparent to the terminal and outside
the scope of this specification.
The card action analysis process is performed when the terminal issues the
GENERATE AC command for a given transaction.
Description:
The result of risk management performed by the ICC is a decision for one of the
following actions to be taken by the terminal:
Approve the transaction offline. This option is available to the ICC only if the
terminal has made a preliminary decision to complete the transaction offline,
as described in section 10.7.
Complete the transaction online.
Reject the transaction.
The decision by the ICC is made known to the terminal by returning a TC, an
ARQC, or an AAC to the terminal in response to a GENERATE AC command, as
described in section 6.5.5.
Upon the completion of the card action analysis function, the terminal shall set
the Card risk management was performed bit in the TSI to 1.
Appli cation Specification 10.8 Card Action Analysis

10.8.1 Terminal Messages for an AAC
An AAC returned by the card indicates either a rejection of the specific
transaction or a restriction that disallows use of the card in the environment of
the transaction (for example, the card application may be restricted only to
specific merchant categories). In both cases, the card disapproves the transaction,
but the terminal may choose to display different messages in the two cases. The
card may optionally distinguish the cases by the use of the code returned in the
Cryptogram Information Data (see the GENERATE AC command in
section 6.5.5). If an AAC is returned with b3-b1 = '001' in the Cryptogram
Information Data, the AAC was returned due to card restrictions.
10.8.2 Advice Messages
The issuer may wish for an advice message, separate from either an
authorisation request or a clearing message, to be sent in certain exception cases.
(Currently, the only identified such case is PIN Try Limit exceeded, but
allowance has been made for the addition of other cases later; see Table 14).
If b4 of the Cryptogram Information Data is 1, the terminal shall process the
transaction as shown in Book 4, sections 6.3.7 and 12.2.5. Further information
may be found in complementary payment system documentation.
10.9 Online Processing Appli cation Specification

10.9 Online Processing
Purpose:
Online processing is performed to ensure that the issuer can review and
authorise or reject transactions that are outside acceptable limits of risk defined
by the issuer, the payment system, or the acquirer.
Online processing shall be performed if the ICC returns an ARQC in response to
the first GENERATE AC command for the transaction.
The online processing function is performed when the terminal receives an ARQC
in response to the first GENERATE AC command.
Description:
In general, online processing is the same as online processing of magnetic stripe
transactions and is not described here. This section is limited to the additional
online processing provided in an ICC environment that is not available in a
magnetic stripe environment.
The ARQC may be sent in the authorisation request message.
17
The
authorisation response message from the issuer may contain the Issuer
Authentication Data (tag '91'). If the Issuer Authentication Data is received in
the authorisation response message and the Application Interchange Profile
indicates that the ICC supports issuer authentication, the Issuer Authentication
Data shall be sent to the ICC in the EXTERNAL AUTHENTICATE command. If
the ICC responds with SW1 SW2 other than '9000', the terminal shall set the
Issuer authentication failed bit in the TVR to 1.

17
Actions performed by the acquirer or issuer systems are outside the scope of this
specification. However, an explanation of what is expected to take place at the issuer may
be useful for clarity. The ARQC is a cryptogram generated by the card from transaction
data using an issuer key stored in the card and known at the issuer authorisation system.
The issuer uses this key to authenticate the ARQC and thereby authenticate the card.
This process is termed online card authentication or simply card authentication.
Subsequent to card authentication, the issuer may generate a cryptogram on selected
data included in the authorisation response or already known to the card. This
cryptogram is sent to the terminal in the authorisation response as part of the Issuer
Authentication Data. The terminal provides the Issuer Authentication Data to the ICC in
the EXTERNAL AUTHENTICATE command or the second GENERATE AC command,
as described in Part I. The ICC may use the Issuer Authentication Data to authenticate
that the response message originated from the issuer.
Appli cation Specification 10.9 Online Processing

If the Issuer Authentication Data is received but the Application Interchange
Profile indicates that the ICC does not support issuer authentication, this
indicates that the ICC has combined the issuer authentication function with the
GENERATE AC command. In this case, or if no Issuer Authentication Data is
received, the terminal shall not execute the EXTERNAL AUTHENTICATE
command.
The ICC shall permit at most one EXTERNAL AUTHENTICATE command in a
transaction. If the terminal issues more than one, the second and all succeeding
EXTERNAL AUTHENTICATE commands shall end with SW1 SW2 = '6985'.
Upon completion of online processing, if the EXTERNAL AUTHENTICATE
command was sent to the card by the terminal, the terminal shall set the Issuer
authentication was performed bit in the TSI to 1.
Note: Annex F provides additional information about status words to be returned in
response to an EXTERNAL AUTHENTICATE command.
10.10 Issuer-to-Card Script Processing Appli cation Specification

10.10 Issuer-to-Card Script Processing
Purpose:
An issuer may provide command scripts to be delivered to the ICC by the
terminal to perform functions that are not necessarily relevant to the current
transaction but are important for the continued functioning of the application in
the ICC. Multiple scripts may be provided with an authorisation response, and
each may contain any number of Issuer Script Commands. Script processing is
provided to allow for functions that are outside the scope of this specification but
are nonetheless necessary.
18

A script may contain Issuer Script Commands not known to the terminal, but the
terminal shall deliver each command to the ICC individually according to this
specification.
None.
Two separate script tags are available for use by the issuer. Issuer scripts with
tag '71' shall be processed prior to issuing the final GENERATE AC command.
Issuer scripts with tag '72' shall be processed after issuing the final
GENERATE AC command.

18
An example might be unblocking of an offline PIN, which might be done differently by
various issuers or payment systems.
Appli cation Specification 10.10 Issuer-to-Card Script Processing

Description:
An Issuer Script is a constructed data object (tag '71' or '72') containing
(optionally) a Script Identifier and a sequence of Issuer Script Command APDUs
to be delivered serially to the ICC. The Script Identifier is optional and is not
interpreted by the terminal; it is meaningful only to the issuer. Figure 14 and
Figure 15 illustrate an Issuer Script containing a Script Identifier and three
commands.

T L T L Script ID Commands
'71' or
'72'
L(data, including Script
ID, tags, and lengths)
'9F18' '04' Identifier
(4 bytes)
(see Figure 15)
Figure 14: Issuer Script Format

T
1
L
1
V
1
T
2
L
2
V
2
T
3
L
3
V
3

'86' L(V
1
) Command '86' L(V
2
) Command '86' L(V
3
) Command
Figure 15: Issuer Script Command Format (Shown with Three Commands)
It is possible for multiple Issuer Scripts to be delivered with a single
authorisation response. The terminal shall process each Issuer Script in the
sequence in which it appears in the authorisation response according to the
following rules:
Issuer Script Commands shall be separated using the BER-TLV coding of the
data objects defining the commands (tag '86').
Each command shall be delivered to the ICC as a command APDU in the
sequence in which it appeared in the Issuer Script.
The terminal shall examine only SW1 in the response APDU and perform one
of the following actions:
If SW1 indicates either normal processing or a warning according to the
conventions described in this specification, the terminal shall continue
with the next command from the Issuer Script (if any).
If SW1 indicates an error condition, the processing of the Issuer Script
shall be terminated.
If an Issuer Script is processed, the terminal shall set the Script processing was
performed bit in the TSI to 1. If an error occurred in processing a script, the
terminal shall set to 1 either the Script processing failed before final
GENERATE AC in the TVR if the identifying tag of the failing script was '71' or
the Script processing failed after final GENERATE AC in the TVR if the tag
was '72'.
Note: Annex E discusses TVR and TSI bit settings following script processing.
10.11 Completion Appli cation Specification

10.11 Completion
Purpose:
The completion function closes processing of a transaction.
The terminal always performs this function unless the transaction is terminated
prematurely by error processing.
The completion function is always the last function in the transaction processing.
(Script processing may be performed after the completion function.)
Description:
The ICC indicates willingness to complete transaction processing by returning
either a TC or an AAC to either the first or second GENERATE AC command
issued by the terminal. If the terminal decides to go online, completion shall be
done when the second GENERATE AC command is issued.
If the terminal is to perform CDA (as described in section 10.3), the terminal
shall set the CDA signature requested bit in the GENERATE AC command to 1.
See section 9 for additional information on the use of the GENERATE AC
command.

EMV 4.3 Book 3

Part IV

Annexes
EMV 4.3 Book 3

Annex A Data Elements Dictionary
Table 33 defines those data elements that may be used for financial transaction interchange and their mapping onto data
objects and files. Table 34 lists the data elements in tag sequence.
The characters used in the Format column are described in section 4.3, Data Element Format Convention.
A1 Data Elements by Name
Name Description Source Format Template Tag Length
Account Type Indicates the type of account selected on the
terminal, coded as specified in Annex G
Terminal n 2 5F57 1
Acquirer
Identifier
Uniquely identifies the acquirer within each
payment system
Terminal n 6-11 '9F01' 6
Additional
Terminal
Capabilities
Indicates the data input and output
capabilities of the terminal
Terminal b '9F40' 5
Amount,
Authorised
(Binary)
Authorised amount of the transaction
(excluding adjustments)
Terminal b '81' 4
Table 33: Data Elements Dictionary
EMV 4.3 Book 3 Annex A Data Elements Dictionary
Appli cation Specification A1 Data Elements by Name

Amount,
Authorised
(Numeric)
Authorised amount of the transaction
(excluding adjustments)
Terminal n 12 '9F02' 6
Amount, Other
(Binary)
Secondary amount associated with the
transaction representing a cashback amount
Terminal b '9F04' 4
Amount, Other
(Numeric)
Secondary amount associated with the
transaction representing a cashback amount
Amount,
Reference
Currency
Authorised amount expressed in the reference
currency
Terminal b '9F3A' 4
Application
Cryptogram
Cryptogram returned by the ICC in response of
the GENERATE AC command
ICC b '77' or '80' '9F26' 8
Application
Currency Code
Indicates the currency in which the account is
managed according to ISO 4217
ICC n 3 '70' or '77' '9F42' 2
Application
Currency
Exponent
Indicates the implied position of the decimal
point from the right of the amount represented
according to ISO 4217
ICC n 1 '70' or '77' '9F44' 1
Application
Discretionary
Data
Issuer or payment system specified data
relating to the application
ICC b '70' or '77' '9F05' 1-32
Application
Effective Date
Date from which the application may be used ICC n 6
YYMMDD
'70' or '77' '5F25' 3
Table 33: Data Elements Dictionary, continued

Application
Expiration Date
Date after which application expires ICC n 6
YYMMDD
'70' or '77' '5F24' 3
Application File
Locator (AFL)
Indicates the location (SFI, range of records) of
the AEFs related to a given application
ICC var. '77' or '80' '94' var. up
to 252
Application
Dedicated File
(ADF) Name
Identifies the application as described in
ISO/IEC 7816-5
ICC b '61' '4F' 5-16
Application
Identifier (AID)
terminal
Identifies the application as described in
ISO/IEC 7816-5
Terminal b '9F06' 5-16
Application
Interchange
Profile
Indicates the capabilities of the card to support
specific functions in the application
ICC b '77' or '80' '82' 2
Application
Label
Mnemonic associated with the AID according
to ISO/IEC 7816-5
ICC ans with
the special
character
limited to
space
'61' or 'A5' '50' 1-16
Application
Preferred Name
Preferred mnemonic associated with the AID ICC ans (see
section
4.3)
'61' or 'A5' '9F12' 1-16
Application
Primary Account
Number (PAN)
Valid cardholder account number ICC cn
var. up to
19
'70' or '77' '5A' var. up
to 10

Application
Primary Account
Number (PAN)
Sequence
Number
Identifies and differentiates cards with the
same PAN
ICC n 2 '70' or '77' '5F34' 1
Application
Priority
Indicator
Indicates the priority of a given application or
group of applications in a directory
ICC b '61' or 'A5' '87' 1
Application
Reference
Currency
1-4 currency codes used between the terminal
and the ICC when the Transaction Currency
Code is different from the Application
Currency Code; each code is 3 digits according
to ISO 4217
ICC n 3 '70' or '77' '9F3B' 2-8
Application
Reference
Currency
Exponent
point from the right of the amount, for each of
the 1-4 reference currencies represented
ICC n 1 '70' or '77' '9F43' 1-4

Application
Selection
Indicator
For an application in the ICC to be supported
by an application in the terminal, the
Application Selection Indicator indicates
whether the associated AID in the terminal
must match the AID in the card exactly,
including the length of the AID, or only up to
the length of the AID in the terminal
There is only one Application Selection
Indicator per AID supported by the terminal
Terminal At the
discretion
of the
terminal.
The data
is not sent
across the
interface
See
format
Application
Template
Contains one or more data objects relevant to
an application directory entry according to
ISO/IEC 7816-5
ICC b '70' '61' var. up
to 252
Application
Transaction
Counter (ATC)
Counter maintained by the application in the
ICC (incrementing the ATC is managed by the
ICC)
ICC b '77' or '80' '9F36' 2
Application
Usage Control
Indicates issuers specified restrictions on the
geographic usage and services allowed for the
application
ICC b '70' or '77' '9F07' 2
Application
Version Number
Version number assigned by the payment
system for the application
ICC b '70' or '77' '9F08' 2
Application
Version Number
Version number assigned by the payment
system for the application
Terminal b '9F09' 2

Authorisation
Code
Value generated by the authorisation authority
for an approved transaction
Issuer As defined
by the
Payment
Systems
'89' 6
Authorisation
Response Code
Code that defines the disposition of a message Issuer/
Terminal
an 2 '8A' 2
Authorisation
Response
Cryptogram
(ARPC)
Cryptogram generated by the issuer and used
by the card to verify that the response came
from the issuer.
Issuer b 4 or 8
Bank Identifier
Code (BIC)
Uniquely identifies a bank as defined in ISO
9362.
ICC var. 'BF0C' or
'73'
'5F54' 8 or 11
Card Risk
Management
Data Object
List 1 (CDOL1)
List of data objects (tag and length) to be
passed to the ICC in the first GENERATE AC
command
ICC b '70' or '77' '8C' var. up
to 252
Card Risk
Management
Data Object
List 2 (CDOL2)
passed to the ICC in the second GENERATE
AC command
ICC b '70' or '77' '8D' var. up
to 252

Card Status
Update (CSU)
Contains data sent to the ICC to indicate
whether the issuer approves or declines the
transaction, and to initiate actions specified by
the issuer. Transmitted to the card in Issuer
Authentication Data.
Issuer b 4
Cardholder
Name
Indicates cardholder name according to
ISO 7813
ICC ans 2-26 '70' or '77' '5F20' 2-26
Cardholder
Name Extended
Indicates the whole cardholder name when
greater than 26 characters using the same
coding convention as in ISO 7813
ICC ans 27-45 '70' or '77' '9F0B' 27-45
Cardholder
Verification
Method (CVM)
List
Identifies a method of verification of the
cardholder supported by the application
ICC b '70' or '77' '8E' 10-252
Cardholder
Verification
Method (CVM)
Results
Indicates the results of the last CVM
performed
Terminal b '9F34' 3
Certification
Authority Public
Key Check Sum
A check value calculated on the concatenation
of all parts of the Certification Authority
Public Key (RID, Certification Authority Public
Key Index, Certification Authority Public Key
Modulus, Certification Authority Public Key
Exponent) using SHA-1
Terminal b 20

Certification
Authority Public
Key Exponent
Value of the exponent part of the Certification
Authority Public Key
Terminal b 1 or 3
Certification
Authority Public
Key Index
Identifies the certification authoritys public
key in conjunction with the RID
ICC b '70' or '77' '8F' 1
Certification
Authority Public
Key Index
Identifies the certification authoritys public
key in conjunction with the RID
Terminal b '9F22' 1
Certification
Authority Public
Key Modulus
Value of the modulus part of the Certification
Authority Public Key
Terminal b NCA
(up to
248)
Command
Template
Identifies the data field of a command message Terminal b '83' var.
Cryptogram
Information
Data
Indicates the type of cryptogram and the
actions to be performed by the terminal
ICC b '77' or '80' '9F27' 1
Data
Authentication
Code
An issuer assigned value that is retained by
the terminal during the verification process of
the Signed Static Application Data
ICC b '9F45' 2
Dedicated File
(DF) Name
Identifies the name of the DF as described in
ISO/IEC 7816-4
ICC b '6F' '84' 5-16

Default Dynamic
Data
Authentication
Data Object List
(DDOL)
DDOL to be used for constructing the
INTERNAL AUTHENTICATE command if the
DDOL in the card is not present
Terminal b var.
Default
Transaction
Certificate Data
Object List
(TDOL)
TDOL to be used for generating the TC Hash
Value if the TDOL in the card is not present
Terminal b var.
Directory
Definition File
(DDF) Name
Identifies the name of a DF associated with a
directory
ICC b '61' '9D' 5-16
Directory
Discretionary
Template
Issuer discretionary part of the directory
according to ISO/IEC 7816-5
ICC var. '61' '73' var. up
to 252
Dynamic Data
Authentication
Data Object List
(DDOL)
passed to the ICC in the INTERNAL
AUTHENTICATE command
ICC b '70' or '77' '9F49' up to
252
Enciphered
Personal
Identification
Number (PIN)
Data
Transaction PIN enciphered at the PIN pad for
online verification or for offline verification if
the PIN pad and IFD are not a single
integrated device
Terminal b 8

File Control
Information
(FCI) Issuer
Discretionary
Data
Issuer discretionary part of the FCI ICC var. 'A5' 'BF0C' var. up
to 222
File Control
Information
(FCI)
Proprietary
Template
Identifies the data object proprietary to this
specification in the FCI template according to
ISO/IEC 7816-4
ICC var. '6F' 'A5' var.
File Control
Information
(FCI) Template
Identifies the FCI template according to
ISO/IEC 7816-4
ICC var. '6F' var. up
to 252
ICC Dynamic
Number
Time-variant number generated by the ICC, to
be captured by the terminal
ICC b '9F4C' 2-8
Integrated
Circuit Card
(ICC) PIN
Encipherment
Public Key
Certificate
ICC PIN Encipherment Public Key certified by
the issuer
ICC b '70' or '77' '9F2D' NI

Integrated
Circuit Card
(ICC) PIN
Encipherment
Public Key
Exponent
ICC PIN Encipherment Public Key Exponent
used for PIN encipherment
ICC b '70' or '77' '9F2E' 1 or 3
Integrated
Circuit Card
(ICC) PIN
Encipherment
Public Key
Remainder
Remaining digits of the ICC PIN
Encipherment Public Key Modulus
ICC b '70' or '77' '9F2F' NPE
NI + 42
Integrated
Circuit Card
(ICC) Public Key
Certificate
ICC Public Key certified by the issuer ICC b '70' or '77' '9F46' NI
Integrated
Circuit Card
(ICC) Public Key
Exponent
ICC Public Key Exponent used for the
verification of the Signed Dynamic Application
Data
ICC b '70' or '77' '9F47' 1 to 3
Integrated
Circuit Card
(ICC) Public Key
Remainder
Remaining digits of the ICC Public Key
Modulus
ICC b '70' or '77' '9F48' NIC
NI + 42

Interface Device
(IFD) Serial
Number
Unique and permanent serial number assigned
to the IFD by the manufacturer
Terminal an 8 '9F1E' 8
International
Bank Account
Number (IBAN)
Uniquely identifies the account of a customer
at a financial institution as defined in ISO
13616.
ICC var. 'BF0C' or
'73'
'5F53' Var. up
to 34
Issuer Action
Code - Default
Specifies the issuers conditions that cause a
transaction to be rejected if it might have been
approved online, but the terminal is unable to
process the transaction online
ICC b '70' or '77' '9F0D' 5
Issuer Action
Code - Denial
Specifies the issuers conditions that cause the
denial of a transaction without attempt to go
online
ICC b '70' or '77' '9F0E' 5
Issuer Action
Code - Online
Specifies the issuers conditions that cause a
transaction to be transmitted online
ICC b '70' or '77' '9F0F' 5
Issuer
Application Data
Contains proprietary application data for
transmission to the issuer in an online
transaction.
Note: For CCD-compliant applications, Annex C,
section C7 defines the specific coding of the Issuer
Application Data (IAD). To avoid potential conflicts
with CCD-compliant applications, it is strongly
recommended that the IAD data element in an
application that is not CCD-compliant should not
use the coding for a CCD-compliant application
ICC b '77' or '80' '9F10' var. up
to 32

Issuer
Authentication
Data
Data sent to the ICC for online issuer
authentication
Issuer b '91' 8-16
Issuer Code
Table Index
Indicates the code table according to
ISO/IEC 8859 for displaying the Application
Preferred Name
ICC n 2 'A5' '9F11' 1
Issuer Country
Code
Indicates the country of the issuer according to
ISO 3166
ICC n 3 '70' or '77' '5F28' 2
Issuer Country
Code (alpha2
format)
Indicates the country of the issuer as defined
in ISO 3166 (using a 2 character alphabetic
code)
ICC a 2 'BF0C' or
'73'
'5F55' 2
Issuer Country
Code (alpha3
format)
Indicates the country of the issuer as defined
in ISO 3166 (using a 3 character alphabetic
code)
ICC a 3 'BF0C' or
'73'
'5F56' 3
Issuer
Identification
Number (IIN)
The number that identifies the major industry
and the card issuer and that forms the first
part of the Primary Account Number (PAN)
ICC n 6 'BF0C' or
'73'
'42' 3
Issuer Public
Key Certificate
Issuer public key certified by a certification
authority
ICC b '70' or '77' '90' NCA
Issuer Public
Key Exponent
Issuer public key exponent used for the
verification of the Signed Static Application
Data and the ICC Public Key Certificate
ICC b '70' or '77' '9F32' 1 to 3

Issuer Public
Key Remainder
Remaining digits of the Issuer Public Key
Modulus
ICC b '70' or '77' '92' NI
NCA +
36
Issuer Script
Command
Contains a command for transmission to the
ICC
Issuer b '71' or '72' '86' var. up
to 261
Issuer Script
Identifier
Identification of the Issuer Script Issuer b '71' or '72' '9F18' 4
Issuer Script
Results
Indicates the result of the terminal script
processing
Terminal b var.
Issuer Script
Template 1
Contains proprietary issuer data for
transmission to the ICC before the second
GENERATE AC command
Issuer b '71' var.
Issuer Script
Template 2
Contains proprietary issuer data for
transmission to the ICC after the second
GENERATE AC command
Issuer b '72' var.
Issuer URL The URL provides the location of the Issuers
Library Server on the Internet.
ICC ans 'BF0C' or
'73'
'5F50' var.
Language
Preference
1-4 languages stored in order of preference,
each represented by 2 alphabetical characters
Note: EMVCo strongly recommends that cards be
personalised with data element '5F2D' coded in
lowercase, but that terminals accept the data
element whether it is coded in upper or lower case.
ICC an 2 'A5' '5F2D' 2-8

Last Online
Application
Transaction
Counter (ATC)
Register
ATC value of the last transaction that went
online
ICC b '9F13' 2
Log Entry Provides the SFI of the Transaction Log file
and its number of records
ICC b 'BF0C' or
'73'
'9F4D' 2
Log Format List (in tag and length format) of data objects
representing the logged data elements that are
passed to the terminal when a transaction log
record is read
ICC b '9F4F' var.
Lower
Consecutive
Offline Limit
Issuer-specified preference for the maximum
number of consecutive offline transactions for
this ICC application allowed in a terminal with
online capability
ICC b '70' or '77' '9F14' 1
Maximum
Target
Percentage to be
used for Biased
Random
Selection
Value used in terminal risk management for
random transaction selection
Terminal
Merchant
Category Code
Classifies the type of business being done by
the merchant, represented according to
ISO 8583:1993 for Card Acceptor Business
Code

Merchant
Identifier
When concatenated with the Acquirer
Identifier, uniquely identifies a given merchant
Terminal ans 15 '9F16' 15
Merchant Name
and Location
Indicates the name and location of the
merchant
Terminal ans '9F4E' var.
Message Type Indicates whether the batch data capture
record is a financial record or advice
Terminal n 2 1
Personal
Identification
Number (PIN)
Pad Secret Key
Secret key of a symmetric algorithm used by
the PIN pad to encipher the PIN and by the
card reader to decipher the PIN if the PIN pad
and card reader are not integrated
Terminal
Personal
Identification
Number (PIN)
Try Counter
Number of PIN tries remaining ICC b '9F17' 1
Point-of-Service
(POS) Entry
Mode
Indicates the method by which the PAN was
entered, according to the first two digits of the
ISO 8583:1987 POS Entry Mode
Processing
Options Data
Object List
(PDOL)
Contains a list of terminal resident data
objects (tags and lengths) needed by the ICC in
processing the GET PROCESSING OPTIONS
command
ICC b 'A5' '9F38' var.
Proprietary
Authentication
Data
Contains issuer data for transmission to the
card in the Issuer Authentication Data of an
online transaction.
Issuer b var. up
to 8

READ RECORD
Response
Message
Template
Contains the contents of the record read.
(Mandatory for SFIs 1-10. Response messages
for SFIs 11-30 are outside the scope of EMV,
but may use template '70')
ICC var. '70' var. up
to 252
Response
Message
Template
Format 1
Contains the data objects (without tags and
lengths) returned by the ICC in response to a
command
ICC var. '80' var.
Response
Message
Template
Format 2
Contains the data objects (with tags and
lengths) returned by the ICC in response to a
command
ICC var. '77' var.
Service Code Service code as defined in ISO/IEC 7813 for
track 1 and track 2
ICC n 3 '70' or '77' '5F30' 2
Short File
Identifier (SFI)
Identifies the AEF referenced in commands
related to a given ADF or DDF. It is a binary
data object having a value in the range 1 to 30
and with the three high order bits set to zero.
ICC b 'A5' '88' 1
Signed Dynamic
Application Data
Digital signature on critical application
parameters for DDA or CDA
ICC b '77' or '80' '9F4B' NIC
Signed Static
Application Data
Digital signature on critical application
parameters for SDA
ICC b '70' or '77' '93' NI

Static Data
Authentication
Tag List
List of tags of primitive data objects defined in
this specification whose value fields are to be
included in the Signed Static or Dynamic
Application Data
ICC '70' or '77' '9F4A' var.
Target
Percentage to be
Used for Random
Selection
Terminal
Terminal Action
Code - Default
Specifies the acquirers conditions that cause a
transaction to be rejected if it might have been
approved online, but the terminal is unable to
process the transaction online
Terminal b 5
Terminal Action
Code - Denial
Specifies the acquirers conditions that cause
the denial of a transaction without attempt to
go online
Terminal b 5
Terminal Action
Code - Online
Specifies the acquirers conditions that cause a
transaction to be transmitted online
Terminal b 5
Terminal
Capabilities
Indicates the card data input, CVM, and
security capabilities of the terminal
Terminal b '9F33' 3
Terminal
Country Code
Indicates the country of the terminal,
represented according to ISO 3166
Terminal n 3 '9F1A' 2
Terminal Floor
Limit
Indicates the floor limit in the terminal in
conjunction with the AID
Terminal b '9F1B' 4

Terminal
Identification
Designates the unique location of a terminal at
a merchant
Terminal an 8 '9F1C' 8
Terminal Risk
Management
Data
Application-specific value used by the card for
risk management purposes
Terminal b '9F1D' 1-8
Terminal Type Indicates the environment of the terminal, its
communications capability, and its operational
control
Terminal
Verification
Results
Status of the different functions as seen from
the terminal
Terminal b '95' 5
Threshold Value
for Biased
Random
Selection
Terminal
Track 1
Discretionary
Data
Discretionary part of track 1 according to
ISO/IEC 7813
ICC ans '70' or '77' '9F1F' var.
Track 2
Discretionary
Data
Discretionary part of track 2 according to
ISO/IEC 7813
ICC cn '70' or '77' '9F20' var.

Track 2
Equivalent Data
Contains the data elements of track 2
according to ISO/IEC 7813, excluding start
sentinel, end sentinel, and Longitudinal
Redundancy Check (LRC), as follows:
ICC b '70' or '77' '57' var. up
to 19
Primary Account Number n, var. up
to 19

Field Separator (Hex 'D') b
Expiration Date (YYMM) n 4
Service Code n 3
Discretionary Data (defined by individual
payment systems)
n, var.
Pad with one Hex 'F' if needed to ensure
whole bytes
b
Transaction
Amount
Clearing amount of the transaction, including
tips and other adjustments
Terminal n 12 6
Transaction
Certificate Data
Object List
(TDOL)
List of data objects (tag and length) to be used
by the terminal in generating the TC Hash
Value
ICC b '70' or '77' '97' var. up
to 252
Transaction
Certificate (TC)
Hash Value
Result of a hash function specified in Book 2,
Annex B3.1
Terminal b '98' 20

Transaction
Currency Code
Indicates the currency code of the transaction
Terminal n 3 '5F2A' 2
Transaction
Currency
Exponent
point from the right of the transaction amount
Transaction Date Local date that the transaction was authorised Terminal n 6
YYMMDD
'9A' 3
Transaction
Personal
Identification
Number (PIN)
Data
Data entered by the cardholder for the purpose
of the PIN verification
Terminal b '99' var.
Transaction
Reference
Currency Code
Code defining the common currency used by
the terminal in case the Transaction Currency
Code is different from the Application
Currency Code
Terminal n 3 '9F3C' 2
Transaction
Reference
Currency
Conversion
Factor used in the conversion from the
Transaction Currency Code to the Transaction
Reference Currency Code
Terminal n 8 4
Transaction
Reference
Currency
Exponent
point from the right of the transaction amount,
with the Transaction Reference Currency Code
Terminal n 1 '9F3D' 1

Transaction
Sequence
Counter
Counter maintained by the terminal that is
incremented by one for each transaction
Terminal n 4-8 '9F41' 2-4
Transaction
Status
Information
Indicates the functions performed in a
transaction
Terminal b '9B' 2
Transaction
Time
Local time that the transaction was authorised Terminal n 6
HHMMSS
'9F21' 3
Transaction
Type
Indicates the type of financial transaction,
represented by the first two digits of the
ISO 8583:1987 Processing Code. The actual
values to be used for the Transaction Type
data element are defined by the relevant
payment system
Terminal n 2 '9C' 1
Unpredictable
Number
Value to provide variability and uniqueness to
the generation of a cryptogram
Terminal b '9F37' 4
Upper
Consecutive
Offline Limit
Issuer-specified preference for the maximum
number of consecutive offline transactions for
this ICC application allowed in a terminal
without online capability
ICC b '70' or '77' '9F23' 1

When the length defined for the data object is greater than the length of the actual data, the following rules apply:
A data element in format n is right justified and padded with leading hexadecimal zeroes.
A data element in format cn is left justified and padded with trailing hexadecimal 'F's.
A data element in format a, an, or ans is left justified and padded with trailing hexadecimal zeroes.
When data is moved from one entity to another (for example, card to terminal), it shall always be passed in order from high
order to low order, regardless of how it is internally stored. The same rule applies when concatenating data.
Note: Data that can occur in template '70' or '77' can never occur in both.
Annex A Data Elements Dictionary EMV 4.3 Book 3
A2 Data Elements by Tag Appli cation Specification

A2 Data Elements by Tag
Name Template Tag
Issuer Identification Number (IIN) 'BF0C' or '73' '42'
Application Dedicated File (ADF) Name '61' '4F'
Application Label '61' or 'A5' '50'
Track 2 Equivalent Data '70' or '77' '57'
Application Primary Account Number (PAN) '70' or '77' '5A'
Cardholder Name '70' or '77' '5F20'
Application Expiration Date '70' or '77' '5F24'
Application Effective Date '70' or '77' '5F25'
Issuer Country Code '70' or '77' '5F28'
Transaction Currency Code '5F2A'
Language Preference 'A5' '5F2D'
Service Code '70' or '77' '5F30'
Application Primary Account Number (PAN)
Sequence Number
'70' or '77' '5F34'
Transaction Currency Exponent '5F36'
Issuer URL 'BF0C' or '73' '5F50'
International Bank Account Number (IBAN) 'BF0C' or '73' '5F53'
Bank Identifier Code (BIC) 'BF0C' or '73' '5F54'
Issuer Country Code (alpha2 format) 'BF0C' or '73' '5F55'
Issuer Country Code (alpha3 format) 'BF0C' or '73' '5F56'
Account Type '5F57'
Application Template '70' or '77' '61'
File Control Information (FCI) Template '6F'
Table 34: Data Elements Tags
Appli cation Specification A2 Data Elements by Tag

Name Template Tag
READ RECORD Response Message Template '70'
Issuer Script Template 1 '71'
Issuer Script Template 2 '72'
Directory Discretionary Template '61' '73'
Response Message Template Format 2 '77'
Response Message Template Format 1 '80'
Amount, Authorised (Binary) '81'
Application Interchange Profile '77' or '80' '82'
Command Template '83'
Dedicated File (DF) Name '6F' '84'
Issuer Script Command '71' or '72' '86'
Application Priority Indicator '61' or 'A5' '87'
Short File Identifier (SFI) 'A5' '88'
Authorisation Code '89'
Authorisation Response Code '8A'
Card Risk Management Data Object List 1 (CDOL1) '70' or '77' '8C'
Card Risk Management Data Object List 2 (CDOL2) '70' or '77' '8D'
Cardholder Verification Method (CVM) List '70' or '77' '8E'
Certification Authority Public Key Index '70' or '77' '8F'
Issuer Public Key Certificate '70' or '77' '90'
Issuer Authentication Data '91'
Issuer Public Key Remainder '70' or '77' '92'
Signed Static Application Data '70' or '77' '93'
Application File Locator (AFL) '77' or '80' '94'
Terminal Verification Results '95'
Transaction Certificate Data Object List (TDOL) '70' or '77' '97'
Transaction Certificate (TC) Hash Value '98'
Transaction Personal Identification Number (PIN)
Data
'99'
Table 34: Data Elements Tags, continued

Name Template Tag
Transaction Date '9A'
Transaction Status Information '9B'
Transaction Type '9C'
Directory Definition File (DDF) Name '61' '9D'
Acquirer Identifier '9F01'
Amount, Authorised (Numeric) '9F02'
Amount, Other (Numeric) '9F03'
Amount, Other (Binary) '9F04'
Application Discretionary Data '70' or '77' '9F05'
Application Identifier (AID) - terminal '9F06'
Application Usage Control '70' or '77' '9F07'
Application Version Number '70' or '77' '9F08'
Application Version Number '9F09'
Cardholder Name Extended '70' or '77' '9F0B'
Issuer Action Code - Default '70' or '77' '9F0D'
Issuer Action Code - Denial '70' or '77' '9F0E'
Issuer Action Code - Online '70' or '77' '9F0F'
Issuer Application Data '77' or '80' '9F10'
Issuer Code Table Index 'A5' '9F11'
Application Preferred Name '61' or 'A5' '9F12'
Last Online Application Transaction Counter (ATC)
Register
'9F13'
Lower Consecutive Offline Limit '70' or '77' '9F14'
Merchant Category Code '9F15'
Merchant Identifier '9F16'
Personal Identification Number (PIN) Try Counter '9F17'
Issuer Script Identifier '71' or '72' '9F18'
Appli cation Specification A2 Data Elements by Tag

Name Template Tag
Terminal Country Code '9F1A'
Terminal Floor Limit '9F1B'
Terminal Identification '9F1C'
Terminal Risk Management Data '9F1D'
Interface Device (IFD) Serial Number '9F1E'
Track 1 Discretionary Data '70' or '77' '9F1F'
Track 2 Discretionary Data '70' or '77' '9F20'
Transaction Time '9F21'
Certification Authority Public Key Index '9F22'
Upper Consecutive Offline Limit '70' or '77' '9F23'
Application Cryptogram '77' or '80' '9F26'
Cryptogram Information Data '77' or '80' '9F27'
ICC PIN Encipherment Public Key Certificate '70' or '77' '9F2D'
ICC PIN Encipherment Public Key Exponent '70' or '77' '9F2E'
ICC PIN Encipherment Public Key Remainder '70' or '77' '9F2F'
Issuer Public Key Exponent '70' or '77' '9F32'
Terminal Capabilities '9F33'
Cardholder Verification Method (CVM) Results '9F34'
Terminal Type '9F35'
Application Transaction Counter (ATC) '77' or '80' '9F36'
Unpredictable Number '9F37'
Processing Options Data Object List (PDOL) 'A5' '9F38'
Point-of-Service (POS) Entry Mode '9F39'
Amount, Reference Currency '9F3A'
Application Reference Currency '70' or '77' '9F3B'
Transaction Reference Currency Code '9F3C'
Transaction Reference Currency Exponent '9F3D'
Additional Terminal Capabilities '9F40'
Transaction Sequence Counter '9F41'

Name Template Tag
Application Currency Code '70' or '77' '9F42'
Application Reference Currency Exponent '70' or '77' '9F43'
Application Currency Exponent '70' or '77' '9F44'
Data Authentication Code '9F45'
ICC Public Key Certificate '70' or '77' '9F46'
ICC Public Key Exponent '70' or '77' '9F47'
ICC Public Key Remainder '70' or '77' '9F48'
Dynamic Data Authentication Data Object List
(DDOL)
'70' or '77' '9F49'
Static Data Authentication Tag List '70' or '77' '9F4A'
Signed Dynamic Application Data '77' or '80' '9F4B'
ICC Dynamic Number '9F4C'
Log Entry 'BF0C' or '73' '9F4D'
Merchant Name and Location '9F4E'
Log Format '9F4F'
File Control Information (FCI) Proprietary Template '6F' 'A5'
File Control Information (FCI) Issuer Discretionary
Data
'A5' 'BF0C'

EMV 4.3 Book 3

Annex B Rules for BER-TLV Data Objects
As defined in ISO/IEC 8825, a BER-TLV data object consists of 2-3 consecutive
fields:
The tag field (T) consists of one or more consecutive bytes. It indicates a class,
a type, and a number (see Table 35). The tag field of the data objects
described in this specification is coded on one or two bytes.
The length field (L) consists of one or more consecutive bytes. It indicates the
length of the following field. The length field of the data objects described in
this specification which are transmitted over the card-terminal interface is
coded on one or two bytes.
Note: Three length bytes may be used if needed for templates '71' and '72' and tag
'86' (to express length greater than 255 bytes), as they are not transmitted over the
card-terminal interface.
The value field (V) indicates the value of the data object. If L = '00', the value
field is not present.
A BER-TLV data object belongs to one of the following two categories:
A primitive data object where the value field contains a data element for
financial transaction interchange.
A constructed data object where the value field contains one or more primitive
or constructed data objects. The value field of a constructed data object is
called a template.
The coding of BER-TLV data objects is defined as follows.
Annex B Rules for BER-TLV Data Objects EMV 4.3 Book 3
B1 Coding of the Tag Field of BER-TLV Data Objects Appli cation Specification

B1 Coding of the Tag Field of BER-TLV Data
Objects
Table 35 describes the first byte of the tag field of a BER-TLV data object:

0 0 Universal class
0 1 Application class
1 0 Context-specific class
1 1 Private class
0 Primitive data object
1 Constructed data object
1 1 1 1 1 See subsequent bytes
Any other value <31 Tag number
Table 35: Tag Field Structure (First Byte) BER-TLV
According to ISO/IEC 8825, Table 36 defines the coding rules of the subsequent
bytes of a BER-TLV tag when tag numbers 31 are used (that is, bits b5 - b1 of
the first byte equal '11111').

1 Another byte follows
0 Last tag byte
Any value > 0 (Part of) tag number
Table 36: Tag Field Structure (Subsequent Bytes) BER-TLV
Before, between, or after TLV-coded data objects, '00' bytes without any meaning
may occur (for example, due to erased or modified TLV-coded data objects).
Note: It is strongly recommended that issuers do not use tags beginning with FF for
proprietary purposes, as existing terminals may not recognise FF as the beginning of a
constructed private class tag.
EMV 4.3 Book 3 Annex B Rules for BER-TLV Data Objects
Appli cation Specification B2 Coding of the Length Field of BER-TLV Data Objects

The tag field of a BER-TLV data object is coded according to the following rules:
The following application class templates defined in ISO/IEC 7816 apply:
'61' and '6F'.
The following range of application class templates is defined in Part II: '70' to
'7F'. The meaning is then specific to the context of an application according to
this specification. Tags '78', '79', '7D', and '7E' are defined in ISO/IEC 7816-6
and are not used in this specification.
The application class data objects defined in ISO/IEC 7816 and described in
Part II are used according to the ISO/IEC 7816 definition.
Context-specific class data objects are defined in the context of this
specification or in the context of the template in which they appear.
The coding of primitive context-specific class data objects in the ranges '80' to
'9E' and '9F00' to '9F4F' is reserved for this specification.
The coding of primitive context-specific class data objects in the range '9F50'
to '9F7F' is reserved for the payment systems.
The coding of tag 'BF0C' and constructed context-specific class data objects in
the range 'BF20' to 'BF4F' is reserved for this specification.
The coding of constructed context-specific class data objects in the ranges
'BF10' to 'BF1F' and 'BF50' to 'BF6F' is reserved for the payment systems.
The coding of constructed context-specific class data objects in the ranges
'BF01' to 'BF0B', 'BF0D' to 'BF0F', and 'BF70' to 'BF7F' is left to the
discretion of the issuer.
The coding of primitive and constructed private class data objects is left to the
discretion of the issuer.
B2 Coding of the Length Field of BER-TLV Data
Objects
When bit b8 of the most significant byte of the length field is set to 0, the length
field consists of only one byte. Bits b7 to b1 code the number of bytes of the value
field. The length field is within the range 1 to 127.
When bit b8 of the most significant byte of the length field is set to 1, the
subsequent bits b7 to b1 of the most significant byte code the number of
subsequent bytes in the length field. The subsequent bytes code an integer
representing the number of bytes in the value field. Two bytes are necessary to
express up to 255 bytes in the value field.
Annex B Rules for BER-TLV Data Objects EMV 4.3 Book 3
B3 Coding of the Value Field of Data Objects Appli cation Specification

B3 Coding of the Value Field of Data Objects
A data element is the value field (V) of a primitive BER-TLV data object. A data
element is the smallest data field that receives an identifier (a tag).
A primitive data object is structured as illustrated in Figure 16:

Tag (T) Length (L) Value (V)
Figure 16: Primitive BER-TLV Data Object (Data Element)
A constructed BER-TLV data object consists of a tag, a length, and a value field
composed of one or more BER-TLV data objects. A record in an AEF governed by
this specification is a constructed BER-TLV data object. A constructed data object
is structured as illustrated in Figure 17:

Tag
(T)
Length
(L)
Primitive or constructed
BER-TLV data object
number 1
... Primitive or constructed
BER-TLV data object
number n
Figure 17: Constructed BER-TLV Data Object
EMV 4.3 Book 3

Annex C Coding of Data Elements Used in
Transaction Processing
This annex provides the coding for dynamic card data elements and specific data
elements used to control the transaction flow in the terminal or to record the
status of processing for the transaction. In the tables:
A 1 means that if that bit has the value 1, the corresponding Meaning
applies.
An x means that the bit does not apply.
Data (bytes or bits) indicated as RFU shall be set to 0.
Annex C Coding Data El ements Used in Trans Processing EMV 4.3 Book 3
C1 Application Interchange Profile Appli cation Specification

C1 Application Interchange Profile
AIP Byte 1 (Leftmost)
0 x x x x x x x RFU
x 1 x x x x x x SDA supported
x x 1 x x x x x DDA supported
x x x 1 x x x x Cardholder verification is
supported
x x x x 1 x x x Terminal risk management is to
be performed
x x x x x 1 x x Issuer authentication is
supported
19

x x x x x x 0 x RFU
x x x x x x x 1 CDA supported

AIP Byte 2 (Rightmost)
0 x x x x x x x Reserved for use by the EMV
Contactless Specifications
x 0 x x x x x x RFU
x x 0 x x x x x RFU
x x x 0 x x x x RFU
x x x x 0 x x x RFU
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 37: Application Interchange Profile

19
When this bit is set to 1, Issuer Authentication using the EXTERNAL
AUTHENTICATE command is supported
EMV 4.3 Book 3 Annex C Coding Data El ements Used in Trans Processing
Appli cation Specification C2 Application Usage Control

C2 Application Usage Control
Application Usage Control Byte 1 (Leftmost)
1 x x x x x x x Valid for domestic cash
transactions
x 1 x x x x x x Valid for international cash
transactions
x x 1 x x x x x Valid for domestic goods
x x x 1 x x x x Valid for international goods
x x x x 1 x x x Valid for domestic services
x x x x x 1 x x Valid for international services
x x x x x x 1 x Valid at ATMs
x x x x x x x 1 Valid at terminals other than
ATMs

Application Usage Control Byte 2 (Rightmost)
1 x x x x x x x Domestic cashback allowed
x 1 x x x x x x International cashback allowed
x x 0 x x x x x RFU
x x x 0 x x x x RFU
x x x x 0 x x x RFU
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 38: Application Usage Control
C3 Cardholder Verification Rule Format Appli cation Specification

C3 Cardholder Verification Rule Format
CV Rule Byte 1 (Leftmost): Cardholder Verification Method (CVM) Codes
0 RFU
0 Fail cardholder verification if this
CVM is unsuccessful
1 Apply succeeding CV Rule if this
CVM is unsuccessful
0 0 0 0 0 0 Fail CVM processing
0 0 0 0 0 1 Plaintext PIN verification
performed by ICC
0 0 0 0 1 0 Enciphered PIN verified online
0 0 0 0 1 1 Plaintext PIN verification
performed by ICC and signature
(paper)
0 0 0 1 0 0 Enciphered PIN verification
performed by ICC
0 0 0 1 0 1 Enciphered PIN verification
performed by ICC and signature
(paper)
0 x x x x x Values in the range 000110-011101
reserved for future use by this
specification
0 1 1 1 1 0 Signature (paper)
0 1 1 1 1 1 No CVM required
1 0 x x x x Values in the range 100000-101111
reserved for use by the individual
payment systems
1 1 x x x x Values in the range 110000-111110
reserved for use by the issuer
1 1 1 1 1 1 This value is not available for use
Table 39: CVM Codes
Appli cation Specification C3 Cardholder Verification Rule Format

CV Rule Byte 2 (Rightmost): Cardholder Verification Method (CVM) Condition
Codes
Value Meaning
'00' Always
'01' If unattended cash
'02' If not unattended cash and not manual cash and not purchase
with cashback
'03' If terminal supports the CVM
20

'04' If manual cash
'05' If purchase with cashback
'06' If transaction is in the application currency
21
and is under X
value (see section 10.5 for a discussion of X)
'07' If transaction is in the application currency and is over X value
'08' If transaction is in the application currency and is under Y value
(see section 10.5 for a discussion of Y)
'09' If transaction is in the application currency and is over Y value
'0A' - '7F' RFU
'80' - 'FF' Reserved for use by individual payment systems
Table 40: CVM Condition Codes
Note: For Condition Codes '01', '04', and '05', please refer to EMVCo General Bulletin
No. 14 - Migration Schedule for New CVM Condition Codes.

20
Support for a CVM is described in EMV Book 4, Section 6.3.4 first paragraph..
21
That is, Transaction Currency Code = Application Currency Code.
C4 Issuer Code Table Index Appli cation Specification

C4 Issuer Code Table Index

Value Refers to
'01' Part 1 of ISO/IEC 8859
Table 41: Issuer Code Table Index
Appli cation Specification C5 Terminal Verification Results

C5 Terminal Verification Results
TVR Byte 1: (Leftmost)
1 x x x x x x x Offline data authentication was not
performed
x 1 x x x x x x SDA failed
x x 1 x x x x x ICC data missing
x x x 1 x x x x Card appears on terminal exception
file
22

x x x x 1 x x x DDA failed
x x x x x 1 x x CDA failed
x x x x x x 0 x RFU
x x x x x x x 0 RFU

TVR Byte 2:
1 x x x x x x x ICC and terminal have different
application versions
x 1 x x x x x x Expired application
x x 1 x x x x x Application not yet effective
x x x 1 x x x x Requested service not allowed for
card product
x x x x 1 x x x New card
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 42: Terminal Verification Results

22
There is no requirement in this specification for an exception file, but it is recognised
that some terminals may have this capability.
C5 Terminal Verification Results Appli cation Specification

TVR Byte 3:
1 x x x x x x x Cardholder verification was not
successful
x 1 x x x x x x Unrecognised CVM
x x 1 x x x x x PIN Try Limit exceeded
x x x 1 x x x x PIN entry required and PIN pad
not present or not working
x x x x 1 x x x PIN entry required, PIN pad
present, but PIN was not entered
x x x x x 1 x x Online PIN entered
x x x x x x 0 x RFU
x x x x x x x 0 RFU

TVR Byte 4:
1 x x x x x x x Transaction exceeds floor limit
x 1 x x x x x x Lower consecutive offline limit
exceeded
x x 1 x x x x x Upper consecutive offline limit
exceeded
x x x 1 x x x x Transaction selected randomly for
online processing
x x x x 1 x x x Merchant forced transaction online
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 42: Terminal Verification Results, continued
Appli cation Specification C5 Terminal Verification Results

TVR Byte 5 (Rightmost):
1 x x x x x x x Default TDOL used
x 1 x x x x x x Issuer authentication failed
x x 1 x x x x x Script processing failed before final
GENERATE AC
x x x 1 x x x x Script processing failed after final
GENERATE AC
x x x x 0 x x x RFU
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 42: Terminal Verification Results, continued
C6 Transaction Status Information Appli cation Specification

C6 Transaction Status Information
TSI Byte 1 (Leftmost):
1 x x x x x x x Offline data authentication was
performed
x 1 x x x x x x Cardholder verification was
performed
x x 1 x x x x x Card risk management was
performed
x x x 1 x x x x Issuer authentication was
performed
x x x x 1 x x x Terminal risk management was
performed
x x x x x 1 x x Script processing was performed
x x x x x x 0 x RFU
x x x x x x x 0 RFU

TSI Byte 2 (Rightmost):
0 x x x x x x x RFU
x 0 x x x x x x RFU
x x 0 x x x x x RFU
x x x 0 x x x x RFU
x x x x 0 x x x RFU
x x x x x 0 x x RFU
x x x x x x 0 x RFU
x x x x x x x 0 RFU
Table 43: Transaction Status Information
EMV 4.3 Book 3

Annex D Transaction Log Information
D1 Purpose
Provide support for accessing a transaction log file by special devices.
D2 Conditions of Execution
This optional function is intended to be executed by special devices.
D3 Sequence of Execution
This function may be executed after Application Selection.
Annex D Transaction Log Information EMV 4.3 Book 3
D4 Description Appli cation Specification

D4 Description
To get the Transaction Log information, the two following data elements are
used: Log Entry and Log Format.
Table 44 describes the format of the Log Entry data element (tag '9F4D'):

Byte Format Length Value
1 b 1 SFI containing the cyclic transaction log file
2 b 1 Maximum number of records in the transaction log
file
Table 44: Log Entry
Devices that read the transaction log use the Log Entry data element to
determine the location (SFI) and the maximum number of transaction log
records.
The SFI shall be in the range 11 to 30.
The Transaction Log records shall be accessible using the READ RECORD
command as specified in section 6.5.11. The file is a cyclic file as defined in
ISO/IEC 7816-4. Record #1 is the most recent transaction. Record #2 is the next
prior transaction, etc.
The Transaction Log records shall not be designated in the Application File
Locator. Each record is a concatenation of the values identified in the Log Format
data element. The records in the file shall not contain the Application
Elementary File (AEF) Data Template (tag '70').
The Log Format and the Transaction Log records shall remain accessible when
the application is blocked.
To read the transaction log information, the special device uses the following
steps:
Perform Application Selection and retrieve the Log Entry data element
located in the FCI Issuer Discretionary Data. If the Log Entry data element is
not present, the application does not support the Transaction Log function.
Issue a GET DATA command to retrieve the Log Format data element.
Issue READ RECORD commands to read the Transaction Log records.
EMV 4.3 Book 3 Annex D Transaction Log Information
Appli cation Specification D5 Example

D5 Example
Note that the following data elements are shown for example purposes only.
A Log Entry data element equal to '0F14' indicates that the transaction log file is
located in SFI 15 ('0F') and contains a maximum of 20 records ('14').
A Log Format data element equal to '9A039F21035F2A029F02069F4E149F3602'
indicates that the transaction log records have the following content:

Data Content Tag Length
Transaction Date '9A' 3
Transaction Time '9F21' 3
Transaction Currency Code '5F2A' 2
Amount, Authorised '9F02' 6
Merchant Name and Location '9F4E' 20
Application Transaction Counter '9F36' 2
Table 45: Example of Log Format
In Table 45, lengths and tags are shown for clarity. They do not appear in the log
record which is the concatenation of values (no TLV coding).
Data elements listed in the Log Format may come from the terminal and the
card. Terminal data elements such as Merchant Name and Location might have
been passed to the card in the PDOL or CDOL data.

EMV 4.3 Book 3

Annex E TVR and TSI Bit Settings Following
Script Processing
Four possible scenarios can occur when processing a script. These scenarios are
described below, together with the expected results in terms of the setting of the
appropriate TVR bits, the TSI bit, and the Issuer Script Results.
In the following descriptions:
TVR bits refers to TVR byte 5 bit 6 and bit 5 (depending on whether it is a
tag '71' and/or tag '72' script) as defined in Table 42.
TSI bit refers to TSI byte 1 bit 3 as defined in Table 43.
The Issuer Script Results are defined in Book 4, Annex A5.
E1 Scenarios
Scenario 1
A script is received, it parses correctly, the commands are sent to the card, and
the card returns '9000', '62xx', or '63xx' to all commands received.
In this scenario the terminal:
shall set the TSI bit
shall not set the TVR bits
shall set the first byte of the Issuer Script Results to '2x', Script processing
successful.
Annex E TVR and TSI Bi t Settings Following Script Processing EMV 4.3 Book 3
E1 Scenarios Appli cation Specification

Scenario 2
A script is received, it parses correctly, the commands are sent to the card, but
the card does not return '9000', '62xx', or '63xx' to one of the commands received.
shall set the appropriate TVR bit(s)
shall set the first byte of the Issuer Script Results to '1x', Script processing
failed
shall send no further commands from that script to the card, even if they
exist.
Scenario 3
A script is received, it does not parse correctly, and so no commands are sent to
the card.
shall set the appropriate TVR bit(s)
shall set the first byte of the Issuer Script Results to '00', Script not
performed.
Scenario 4
No script is received. In this scenario the terminal shall set neither the TSI bit
nor the TVR bit(s).
In this event there will be no Issuer Script Results.
EMV 4.3 Book 3 Annex E TVR and TSI Bi t Settings Following Script Processing
Appli cation Specification E2 Additional Information

E2 Additional Information
It is possible, but not recommended, that commands may be sent to the card on
the fly as a script is parsed. In this event:
If a parsing error occurs before any commands are sent to the card, the
terminal shall set the first byte of the Issuer Script Results to '00' and shall
set the appropriate TVR bits and the TSI bit.
If a parsing error occurs after any command has been sent to the card, the
terminal shall set the first byte of the Issuer Script Results to '1x', and shall
set the appropriate TVR bits and the TSI bit.
If more than one script is received, the terminal:
shall set the TVR bit(s) (as described in Scenarios 2 and 3) if any error occurs
shall set the Issuer Script Results as described in Scenarios 1 through 3 for
each script on a script-by-script basis
shall process all Issuer scripts

EMV 4.3 Book 3

Annex F Status Words Returned in
EXTERNAL AUTHENTICATE
The terminal shall issue an EXTERNAL AUTHENTICATE command to the card
only if the card indicates in byte 1 bit 3 of the AIP that it supports issuer
authentication using the EXTERNAL AUTHENTICATE command.
The terminal shall issue only one EXTERNAL AUTHENTICATE command to
the card during a transaction. As stated in section 10.9, there is a complementary
card requirement to this which states that the card shall return status '6985',
Command Not Supported, to the second and any subsequent EXTERNAL
AUTHENTICATE commands received during the transaction.
Table 46 explains various status values the terminal may receive in response to
the (first) EXTERNAL AUTHENTICATE command issued to the card, and the
action the terminal shall take as a result.
Status Explanation Terminal Action
'9000' Issuer authentication
was successful.
The terminal shall continue with
the transaction.
'6300' or any
other status
except '6985'
and '9000'
Issuer authentication
failed.
The terminal shall set the Issuer
authentication failed bit in the
TVR to 1, and continue with the
transaction.
'6985' Issuer authentication
failed and the card is in
an error state (it has
indicated in the AIP that
it supports EXTERNAL
AUTHENTICATE, but in
the status returned that
it does not).
This condition should never occur;
in the event that it does, the
behaviour of the terminal is
indeterminate and it shall either
terminate the transaction OR set
the Issuer authentication failed
bit in the TVR to 1, and continue
with the transaction.
Table 46: Terminal Action after (First) EXTERNAL AUTHENTICATE Response

EMV 4.3 Book 3

Annex G Account Type

Value Account Type
00 Default - unspecified
10 Savings
20 Cheque/debit
30 Credit
All other
values RFU

Table 47: Account Type

EMV 4.3 Book 3

Part V

Common Core
Definitions
EMV 4.3 Book 3

Introduction
This Part describes an optional extension to this Book, to be used when
implementing the Common Core Definitions (CCD).
These Common Core Definitions specify a minimum common set of card
application implementation options, card application behaviours, and data
element definitions sufficient to accomplish an EMV transaction. Terminals
certified to be compliant with the existing EMV Specifications will, without
change, accept cards implemented according to the Common Core Definitions,
since the Common Core Definitions are supported within the existing EMV
requirements.
To be compliant with the Common Core Definitions, an implementation shall
implement all the additional requirements in the Common Core Definitions Parts
of all affected Books.
Changed and Added Sections
Each section heading below refers to the section in this Book to which the
additional requirements apply, or introduces new sections where required. The
text defines requirements for a common core implementation, in addition to the
requirements already specified in the referenced section of EMV.
EMV 4.3 Book 3 Common Core Definitions

6 Commands for Financial Transaction
6.2 Response APDU Format
For the following commands used during transaction processing, the body of the
response APDU is a constructed data object with tag equal to '77' of which the
value field may contain one or more BER-TLV coded data objects.
GENERATE AC
GET PROCESSING OPTIONS
INTERNAL AUTHENTICATE

Tag Value
'77' Response Message Template Format 2
Table CCD 1: Body of Response APDU Structure
6.5 Commands
6.5.4 EXTERNAL AUTHENTICATE Command-Response APDUs
The CCD-compliant application shall support issuer authentication using the
second GENERATE AC command. The CCD-compliant application shall indicate
that the EXTERNAL AUTHENTICATE command is not supported in EMV
applications by setting bit 3 in byte 1 of the AIP to 0.
6.5.5 GENERATE APPLICATION CRYPTOGRAM Command-Response
APDUs
The CCD-compliant application shall support issuer authentication using the
second GENERATE AC command.
CDOL2 shall include tag '8A' (Authorisation Response Code) and tag '91' (Issuer
Authentication Data).
Common Core Definitions EMV 4.3 Book 3

The response message shall be a BER-TLV coded constructed data object
introduced by tag '77' and contains only the data shown in Table CCD 2.

Tag Value
'9F27' Cryptogram Information Data
'9F36' Application Transaction Counter
'9F26' Application Cryptogram
'9F10' Issuer Application Data
Table CCD 2: Format 2 GENERATE AC Response Message Data Field
The required data elements for the response returned in an envelope as specified
for the CDA feature (described in section 6.6 of Book 2) are shown in Book 2
Table CCD 1 and Table CCD 2.
The Cryptogram Information Data returned in the GENERATE AC response
message is coded according to Table CCD 3:

0 0 AAC
0 1 TC
1 0 ARQC
1 1 RFU
0 0 Payment System-specific cryptogram
0 No advice required
0 0 0 No information given
Table CCD 3: Coding of Cryptogram Information Data
6.5.8 GET PROCESSING OPTIONS Command-Response APDUs
The CCD-compliant application shall not preclude support for PDOL.


Tag Value
'82' Application Interchange Profile
'94' Application File Locator
Table CCD 4: Format 2 GET PROCESSING OPTIONS Response Message Data
Field
6.5.9 INTERNAL AUTHENTICATE Command-Response APDUs

Tag Value
'9F4B' Signed Dynamic Application Data
Table CCD 5: Format 2 Internal Authenticate Response Message Data Field
To allow an issuer to use offline plaintext PIN verification as a possible CVM, a
CCD-compliant card shall support the VERIFY command with parameter
P2 = 80 as defined in Book 3, Table 23.

Part III - Debit and Credit Application
Specification
7 Files for Financial Transaction Interchange
7.3 Data Retrievable by GET DATA Command
The ICC shall support the GET DATA command for retrieval of the primitive
data object with tag '9F17' (PIN Try Counter).

9 GENERATE AC Command Coding
9.2 Command Data
9.2.2 Transaction Certificate Data
The CCD-compliant application shall not contain a TDOL. The CCD-compliant
application shall not request the terminal to generate a TC Hash Value (that is,
tag '98' shall not be included in CDOL1 or CDOL2).
The following Section 9.2.3 applies to a CCD-compliant application.
9.2.3 Common Core Definitions Card Verification Results
In response to the GENERATE AC command and as part of the Issuer
Application Data, the CCD-compliant application shall return the Card
Verification Results (CVR). The CVR includes information for the issuer
regarding the results of Card Risk Management processing and application
processing. The format of the CVR for a CCD-compliant application is specified in
CCD Annex C7.3.
9.2.3.1 Options Related to Setting/Resetting of Counters and Indicators
The issuer shall have the option of specifying whether a new card is required to
set the Go Online on Next Transaction Was Set bit.
The issuer shall have the option of specifying whether the CCD-compliant
application requires issuer authentication to be performed for the application to
approve (TC) an online transaction.
The issuer shall have the option of specifying whether the CCD-compliant
application requires issuer authentication to pass when performed for the
application to approve (TC) an online transaction.
If the CCD-compliant application does not require issuer authentication to be
performed for the application to approve (TC) an online transaction, the issuer
shall have the option of specifying whether the CCD-compliant application
requires issuer authentication to pass for resetting all the following
non-velocity-checking indicators:
Issuer Authentication Failed
Last Online Transaction Not Completed
Issuer Script Processing Failed
Go Online on Next Transaction Was Set

If the CCD-compliant application does not require issuer authentication to pass
when performed for the application to approve (TC) an online transaction, the
issuer shall have the option of specifying whether the CCD-compliant application
requires issuer authentication to pass for resetting all the following non-velocity
checking indicators:
If the CCD-compliant application does not require issuer authentication to be
performed or does not require issuer authentication to pass when performed for
the application to approve (TC) an online transaction, the issuer shall have the
option of specifying whether the CCD-compliant application requires issuer
authentication to pass for resetting the velocity-checking offline transaction
count(s) and cumulative amount(s).
The issuer shall have the option of indicating whether the application shall use
the Update Counters bits in the CSU to update the velocity-checking count(s)
and cumulative amount(s) associated with the offline transaction limits referred
to in bits b8 - b5 of byte 3 of the CVR, if the CSU Created by Proxy for the Issuer
bit in the CSU is set to 1.
If the CSU Created by Proxy for the Issuer bit is set to 1 in the CSU, and if the
issuer specifies that Update Counters shall not be used, then the issuer shall
have the option of indicating whether the application:
shall not update the offline counters
shall set the offline counters to zero
shall set the offline counters to the upper offline limits
shall add the transaction to the offline counter(s)
9.2.3.2 Setting and Resetting of Bits in the CVR
The following describes the conditions under which each bit in the CVR of a
Common Core Definitions card is set or reset.
Application Cryptogram Type Returned in Second GENERATE AC
In the first GENERATE AC response, these bits shall be set to Second
GENERATE AC Not Requested.
In the second GENERATE AC response, these bits shall be set to the value of bits
b8 b7 of the Cryptogram Information Data returned in the response to the
second GENERATE AC command of the current transaction (AAC or TC).

Application Cryptogram Type Returned in First GENERATE AC
In both the first and second GENERATE AC response, these bits shall be set to
the value of bits b8 b7 of the Cryptogram Information Data returned in the
response to the first GENERATE AC command of the current transaction (AAC,
TC, or ARQC).
CDA Performed
In the first GENERATE AC response, this bit shall be set if and only if Signed
Dynamic Data is returned in the response to the first GENERATE AC command
of the current transaction.
In the second GENERATE AC response, this bit shall be set if and only if Signed
Dynamic Data is returned in the response to the first or second GENERATE AC
command (or both) of the current transaction.
Offline DDA Performed
In both the first and second GENERATE AC response, this bit shall be set if and
only if Signed Dynamic Application Data is returned in the response to the
INTERNAL AUTHENTICATE command of the current transaction.
Issuer Authentication Not Performed
In the second GENERATE AC response, this bit shall be set if and only if the
CCD-compliant application did not receive Issuer Authentication Data. This may
be the case either if the transaction was unable to go online or if the issuer did
not provide Issuer Authentication Data in the response message.
In the first GENERATE AC response, this bit shall be set to the value it had in
the most recent second GENERATE AC response sent by the CCD-compliant
application.

This bit shall be set in the GENERATE AC response if and only if issuer
authentication was performed and failed. In the first GENERATE AC response,
it indicates issuer authentication failed in a previous online transaction. In the
second GENERATE AC response, it indicates either that issuer authentication
failed in the current transaction, or that issuer authentication failed in a
previous transaction and the bit was not reset.
Once set, this bit shall remain set until either:
issuer authentication is successful,
or all of the following conditions are true:
the transaction successfully went online (that is, the Authorisation
Response Code does not indicate that the terminal was unable to go
online),
issuer authentication was not performed,
the CCD-compliant application does not require issuer authentication to
be performed for the application to approve (TC) an online transaction,
and
pass for resetting of non-velocity-checking indicators.
Low Order Nibble of PIN Try Counter
In both the first and second GENERATE AC response, these bits shall be set to
the value of the low-order nibble (bits b4-b1) of the PIN Try Counter.
Offline PIN Verification Performed
only if Offline PIN Verification has been performed (successfully or
unsuccessfully) on the current transaction.
Offline PIN Verification Performed and PIN Not Successfully Verified
only if Offline PIN Verification has been performed on the current transaction
and the PIN was not successfully verified during processing of the current
transaction.
PIN Try Limit Exceeded
only if the PIN Try Counter is zero.

This bit shall be set in the first GENERATE AC response if and only if in the
previous transaction, the CCD-compliant application requested to go online and
the transaction was not completed (that is, the second GENERATE AC command
was not received).
Once set, this bit shall remain set until either:
online),
and
online),
issuer authentication was performed and failed,
pass when performed for the application to approve (TC) an online
transaction, and
Lower Offline Transaction Count Limit Exceeded
In both the first and second GENERATE AC response, this bit shall be set if the
CCD-compliant application has exceeded an issuer-specified lower limit for the
number of transactions approved offline. This bit may represent the condition of
multiple counters. At the least, all transactions approved offline whose amounts
were not cumulated shall be included in at least one transaction count. This bit
may also be set under additional conditions specified by the issuer.

Upper Offline Transaction Count Limit Exceeded
CCD-compliant application has exceeded an issuer-specified upper limit for the
number of transactions approved offline. This bit may represent the condition of
multiple counters. At the least, all transactions approved offline whose amounts
were not cumulated shall be included in at least one transaction count. This bit
may also be set under additional conditions specified by the issuer.
Lower Cumulative Offline Amount Limit Exceeded
CCD-compliant application has exceeded an issuer-specified lower limit for
cumulative amounts approved offline. This bit may represent the condition of
multiple counters. At the least, all domestic transactions approved offline shall
be included in at least one cumulative amount. This bit may also be set under
additional conditions specified by the issuer.
Upper Cumulative Offline Amount Limit Exceeded
CCD-compliant application has exceeded an issuer-specified upper limit for
cumulative amounts approved offline. This bit may represent the condition of
multiple counters. At the least, all domestic transactions approved offline shall
be included in at least one cumulative amount. This bit may also be set under
additional conditions specified by the issuer.
Issuer-discretionary bit 1 Issuer-discretionary bit 4:
These bits are set in the first and second GENERATE AC response at the
discretion of the issuer. The meaning of these bits is defined by the issuer and is
outside the scope of this specification.
Number of Successfully Processed Issuer Script Commands Containing
Secure Messaging
In the first and second GENERATE AC response, these bits shall be set to the
number of commands successfully processed with secure messaging.

only if processing of a command with secure messaging failed.
Once set, this bit shall remain set until a subsequent GENERATE AC command
where either:
online),
issuer authentication was not performed
and
online),
transaction, and
Offline Data Authentication Failed on Previous Transaction
only if, in the TVR returned during the previous transaction, any of the following
bits was set:
SDA Failed
DDA Failed
CDA Failed
Once set, this bit shall remain set until a subsequent transaction is performed
that meets either of the following conditions:
the previous transaction successfully went online, or
the previous transaction was approved offline.

If either condition is met the bit is reset in the first GENERATE AC response.
only if the Set Go Online on Next Transaction bit of the last successfully
recovered CSU was set, or it is a new card and the issuer has specified that a new
card is required to set the Go Online on Next Transaction Was Set bit.
Once set, this bit shall remain set until a subsequent GENERATE AC command
where either:
all of the following conditions are true:
issuer authentication is successful, and
the Set Go Online on Next Transaction bit of the CSU is not set.
online),
and
online),
transaction, and
the CCD-compliant application does not require issuer authentication for
resetting of non-velocity-checking indicators.
Unable to go Online
This bit shall be set in the second GENERATE AC response if and only if the
Authorization Response Code, tag '8A', returned from the terminal indicates the
terminal was unable to go online (set to 'Y3' or 'Z3').

9.2.3.3 Mandatory Actions Due to CVR Bit Settings
This section provides a list of mandatory actions that shall be taken by the
CCD-compliant application, and issuer-configurable options that shall be
supported by the CCD-compliant application.
Issuer Authentication Not Performed
The issuer shall have the option of specifying that if this bit is set, whether the
CCD-compliant application shall:
force transactions at online-capable terminals to go online,
or allow the transaction to remain offline.
The issuer shall have the option of specifying that if this bit is set, and either the
transaction occurs at an offline-only terminal or the terminal is unable to go
online, whether the CCD-compliant application shall:
be allowed to approve (TC) the transaction, or
decline the transaction.
PIN Try Limit Exceeded
The issuer shall have the option of specifying that if this bit is set, the
CCD-compliant application shall decline the transaction offline.

The ICC shall not block the application or the card due to this bit being set.
If this bit is set, the CCD-compliant application shall force the transaction at
online-capable terminals to go online.
Lower Offline Transaction Count Limit Exceeded
If this bit is set in the first GENERATE AC response, the CCD-compliant
application shall force the transaction at online-capable terminals to go online.
Upper Offline Transaction Count Limit Exceeded
If this bit is set and either the transaction occurs at an offline-only terminal or
the terminal is unable to go online, the CCD-compliant application shall decline
the transaction. However, the issuer shall have the option of allowing the
CCD-compliant application to override this decline for a transaction at Terminal
Type 26.
Lower Cumulative Offline Amount Limit Exceeded
If this bit is set in the first GENERATE AC response, the CCD-compliant
application shall force the transaction at online-capable terminals to go online.
Upper Cumulative Offline Amount Limit Exceeded
If this bit is set and either the transaction occurs at an offline-only terminal or
the terminal is unable to go online, the CCD-compliant application shall decline
the transaction. However, the issuer shall have the option of allowing the
CCD-compliant application to override this decline for a transaction at Terminal
Type 26.

9.3 Command Use
The CCD-compliant application shall respond to the first GENERATE AC with
any of the following cryptogram types:
TC
ARQC
AAC
The CCD-compliant application shall respond to the second GENERATE AC (if
applicable) with either of the following cryptogram types:
TC
AAC

10 Functions Used in Transaction Processing
10.5 Cardholder Verification
The CCD-compliant application shall support Cardholder Verification. It shall
indicate this by setting the Application Interchange Profile byte 1, bit 5 to 1.
10.5.1 Offline PIN Processing
The CCD-compliant application shall be capable of supporting offline plaintext
PIN verification. It is the issuers option whether or not to use offline plaintext
PIN as a cardholder verification method.
10.8 Card Action Anal ysis
The CCD-compliant application shall not request that the terminal send an
advice message to the issuer.
10.8.1 Terminal Messages for an AAC
The CCD-compliant application shall set bits b3-b1 of the CID to '000' in the
GENERATE AC command response.
10.8.2 Advice Messages
The CCD-compliant application shall not request the terminal to send an advice
message. Bit b4 of the Cryptogram Information Data shall be set to 0.
10.10 Issuer-to-Card Script Processing
An issuer shall send no more than one issuer script template in an authorization
response message. The script template may contain multiple commands. The
script template may be tag '71' or tag '72'.

10.11 Completion
The following Section 10.11.1 applies to a CCD-compliant application.
10.11.1 Addi tional Completion Actions for a CCD-Compliant Application
10.11.1.1 Actions Taken by CCD-compliant Application After Issuer
Authentication is Successful
After issuer authentication is successful, if the CSU Created by Proxy for the
Issuer bit in the CSU is set to 1, and if the issuer specifies that Update
Counters shall not be used, then the following shall govern the behaviour of
velocity-checking counters and cumulative amounts associated with the offline
transaction limits referred to in bits b8-b5 of byte 3 of the CVR:
If the issuer specifies that the application shall not update the offline
counters, no offline counter or cumulative amount is modified.
If the issuer specifies that the application shall set the offline counters to
zero, the application will reset all the offline counters and cumulative
amounts to zero. By doing so, the issuer allows the application to accept
offline transactions, up to the offline limits.
If the issuer specifies that the application shall set the offline counters to the
upper offline limits, the offline counters and cumulative amounts will be set
to their respective upper limits.
If the issuer specifies that the application shall add the transaction to the
offline counter(s), the transaction will be included in the offline counters or
cumulative amounts as if it were an offline transaction.
This section describes the actions to be taken by the CCD-compliant application
due to the setting of each bit in the CSU after issuer authentication is successful..
Issuer Approves Online Transaction
If Issuer Approves Online Transaction is set and the terminal requests a TC, the
application shall approve the transaction by returning a TC.
If Issuer Approves Online Transaction is not set, the application shall decline
the transaction by returning an AAC.
Card Block
If Card Block is set, all applications in the ICC shall be permanently disabled,
including applications that may be selected implicitly. For all subsequent
SELECT commands the card shall return the status bytes Function not
supported (SW1-SW2 = '6A81') and perform no other action.

Application Block
If Application Block is set, the currently selected application shall be
invalidated. An invalidated application shall return the status bytes Selected file
invalidated (SW1-SW2 = '6283') in response to a SELECT command and return
only an AAC in response to the GENERATE AC command.
Update PIN Try Counter
If Update PIN Try Counter is set, the application shall update the PIN Try
Counter (PTC) with the value contained in bits b4-b1 of byte 1 of the CSU. If the
PIN is blocked, updating the value of the PTC with a non-zero value unblocks the
PIN. Updating the value of the PTC with a zero value blocks the PIN.
If Update PIN Try Counter is not set, no update of the PTC shall be performed
by the application.
The value contained in bits b4-b1 of byte 1 of the CSU shall never be interpreted
by the application.
Set Go Online on Next Transaction
If Set Go Online on Next Transaction is set, the application shall force
subsequent transactions at online-capable terminals to go online (that is, the
CCD-compliant application shall return an ARQC in response to the first
GENERATE AC command if a TC or an ARQC is requested). The application
shall continue to try to go online at online-cable terminals until a subsequent
GENERATE AC command where either:
issuer authentication is successful, and
the Set Go Online on Next Transaction bit of the CSU is not set.
online),
and
online),

transaction, and
Update Counters
Update Counters (bits b2-b1 of byte 2 of the CSU) govern the behaviour of
velocity-checking counters and cumulative amounts associated with the offline
transaction limits referred to in bits b8-b5 of byte 3 of the CVR if either of the
following is true:
the CSU Created by Proxy for the Issuer bit in the CSU is set to 0
the issuer specifies that the application shall use the Update Counters bits
in the CSU to update the velocity-checking count(s) and cumulative
amount(s) regardless of the bit setting for CSU Created by Proxy for the
Issuer
If Update Counters is set to Do Not Update Offline Counters, no offline counter
or cumulative amount shall be modified.
If Update Counters is set to Reset Offline Counters to Zero, the application
shall reset all the offline counters and cumulative amounts to zero. By doing so,
the issuer allows the application to accept offline transactions, up to the offline
limits.
If Update Counters is set to Set Offline Counters to Upper Offline Limits, the
application shall set the offline counters and cumulative amounts to their
respective upper limits.
If Update Counters is set to Add Transaction to Offline Counters, the
application shall include the transaction in the offline counters or cumulative
amounts as if it were an offline transaction.
10.11.1.2 Other Completion Actions
After the transaction successfully went online (that is, the Authorisation
Response Code does not indicate that the terminal was unable to go online), the
CCD-compliant application shall reset to zero the velocity-checking offline
transaction count(s) and cumulative offline amount(s) if either of the following
are true:
the terminal requested a TC,

and
pass for resetting of velocity-checking counters.
the terminal requested a TC,
transaction, and
pass for resetting of velocity-checking counters.
CCD-compliant application shall approve the transaction if all of the following
conditions are true:
the terminal requested a TC, and
one of the following is true:
issuer authentication is successful and the Issuer Approves Online
Transaction bit of the recovered CSU is set to 1, or
issuer authentication was not performed and the CCD-compliant
application does not require issuer authentication to be performed for the
application to approve (TC) an online transaction, or
issuer authentication was performed and failed and the CCD-compliant
application does not require issuer authentication to pass when performed
for the application to approve (TC) an online transaction.
CCD-compliant application shall decline the transaction in the second
GENERATE AC response if either of the following conditions are true:
both of the following are true:
issuer authentication was not performed, and
the CCD-compliant application requires issuer authentication to be
performed for the application to approve (TC) an online transaction,
or both of the following are true:
issuer authentication was performed and failed, and

the CCD-compliant application requires issuer authentication to pass
when performed for the application to approve (TC) an online transaction.
After the transaction did not successfully complete online (that is the
Authorisation Response Code indicates that the terminal was unable to go
online), the CCD-compliant application shall decide whether to approve or
Part IV - Annexes
Annex A Data Elements Dictionary
For the data elements shown in Table CCD 6:
If the source is Terminal, the data element shall not be included in any DOL
used by a CCD-compliant application.
If the source is ICC, the data element shall not be identified in the AFL of a
CCD-compliant application.

Data Element Name Tag Source
Amount, Reference Currency '9F3A' Terminal
Application Reference Currency '9F3B' ICC
Application Reference Currency Exponent '9F43' ICC
Default Dynamic Data Authentication Data
Object List (DDOL)
Terminal
Transaction Certificate (TC) Hash Value '98' Terminal
Table CCD 6: Data Elements Not Used by a CCD-Compliant Application
Table CCD 7 lists data elements (in addition to those defined in Annex A) that
are defined within the context of the Common Core Definitions.

Name Description Source Format Templat
e
T
a
g
Leng
th
Card
Verification
Results (CVR)
Contains data sent to the
issuer indicating exception
conditions that occurred
during the current and
previous transactions.
Transmitted to the
terminal in Issuer
Application Data as
specified in Table CCD 9.
ICC b 5
Common Core
Identifier
(CCI)
Data sent to the issuer
identifying the format of
the Issuer Application
Data and the method for
calculating the Application
Cryptogram. Transmitted
to the terminal in Issuer
Application Data as
Contains the following:
Format Code (FC)
Cryptogram Version
(CV)
ICC b 1
Derivation
Key Index
(DKI)
Data sent to the issuer
identifying the issuers
derivation key for deriving
the cards ICC Master
Keys. Transmitted to the
terminal in Issuer
Application Data as
ICC b 1
Issuer
Discretionary
Data
Contains issuer
proprietary application
data for transmission to
the issuer in an online
transaction. Transmitted
to the terminal in Issuer
Application Data as
ICC b 15
Table CCD 7: Additional Data Elements Defined for CCD

Annex C Coding of Data Elements Used in
Transaction Processing
Please add the following sections after Annex C.6.
C7 Issuer Application Data for a Common Core Definitions-
Compliant Application
The CCD-compliant application shall have an Issuer Application Data (IAD) field
of fixed length, 32 bytes long, with the following attributes:
Byte 1 shall be set to '0F'.
Byte 2 shall be the Common Core Identifier (CCI).
Byte 17 shall be set to '0F'.
The CCD-compliant application shall support the selection of different Issuer
Application Data if:
the card requests the Terminal Type and the Additional Terminal
Capabilities in PDOL, and
the values provided by the terminal in the PDOL related data for the
Terminal Type and the first two bytes of the Additional Terminal Capabilities
are '34 and '0000' respectively.
C7.1 Common Core Identifier
The CCI shall identify the format of the IAD, and the Cryptogram Version (CV).
Values in the range '00' to '9F' are reserved to avoid conflict with legacy
Cryptogram Version Numbers.

x x x x Common Core IAD Format Code (FC).
1 0 1 0 CCD Version 4.1 IAD Format (='A')
x x x x Common Core Cryptogram Version (CV)
0 1 0 1
CCD Version 4.1 Cryptogram Version
(= '5' for Triple DES)
0 1 1 0
CCD Version 4.1 Cryptogram Version
(= '6' for AES)
Table CCD 8: Common Core Identifier

Bits b8 - b5 of the CCI shall indicate the Format Code (FC). Values in the range
'A' - 'F' shall indicate a CCD-specified IAD format (all values RFU by EMVCo for
CCD).
Bits b4 - b1 of the CCI shall indicate the Cryptogram Version (CV) for the
Application Cryptogram. The CV indicates:
The cryptogram input data and key derivation method the CCD-compliant
application uses to generate the Application Cryptogram.
The cryptogram input data (including CSU coding), key derivation method,
and ARPC method the CCD-compliant application expects the issuer to use
when generating the Authorisation Response Cryptogram.
Values in the range '4' - 'F' shall indicate a CCD-specified cryptogram algorithm
and data set (all values RFU by EMVCo for CCD). Values in the range '0' - '3'
shall indicate a proprietary cryptogram algorithm. When using the CV range
'0' - '3', applications are not CCD-compliant.
C7.2 Issuer Application Data for Format Code ' A'
The format and coding of the IAD with a Format Code of 'A' shall be as shown in
Table CCD 9:

Byte(s) Contents Description
1 Length Indicator Length of EMVCo-defined data in IAD. Set to '0F'.
2 CCI Common Core Identifier
3 DKI Derivation Key Index
4-8 CVR Card Verification Results (see section C7.3)
9-16 Counters Contents are at the discretion of the Payment
System.
17 Length Indicator Length of Issuer Discretionary Data field in IAD.
Set to '0F'.
18-32 Issuer
Discretionary
Data
Contents are at the discretion of the issuer.
Table CCD 9: Issuer Application Data for Format Code ' A'

C7.3 Card Verification Results
The coding of the CVR for a Common Core IAD Format Code of value 'A' shall be
as shown in Table CCD 10.
CVR Byte 1
x x
Application Cryptogram Type Returned in
Second GENERATE AC
0 0 AAC
0 1 TC
1 0 Second GENERATE AC Not Requested
1 1 RFU
x x
Application Cryptogram Type Returned in
First GENERATE AC
0 0 AAC
0 1 TC
1 0 ARQC
1 1 RFU
1 CDA Performed
1 Offline DDA Performed
1 Issuer Authentication Not Performed
1 Issuer Authentication Failed
CVR Byte 2
x x x x Low Order Nibble of PIN Try Counter
1 Offline PIN Verification Performed
1
Offline PIN Verification Performed and
PIN Not Successfully Verified
1 PIN Try Limit Exceeded
1 Last Online Transaction Not Completed
Table CCD 10: Card Verification Results for Format Code ' A'

CVR Byte 3
1
Lower Offline Transaction Count Limit
Exceeded
1
Upper Offline Transaction Count Limit
Exceeded
1
Lower Cumulative Offline Amount Limit
Exceeded
1
Upper Cumulative Offline Amount Limit
Exceeded
1 Issuer-discretionary bit 1
CVR Byte 4
x x x x
Number of Successfully Processed Issuer
Script Commands Containing Secure
Messaging
1 Issuer Script Processing Failed
1
Offline Data Authentication Failed on
Previous Transaction
1 Go Online on Next Transaction Was Set
1 Unable to go Online
CVR Byte 5
0 0 0 0 0 0 0 0 RFU
Table CCD 10: Card Verification Results for Format Code ' A', continued

C8 Card Status Update for a Common Core Definitions-
Compliant Application
The Issuer Authentication Data shall include a Card Status Update (CSU) of
fixed length, 4 bytes long. The coding of the CSU is shown in Table CCD 11.
CSU Byte 1
1 Proprietary Authentication Data Included
0 0 0 RFU
x x x x PIN Try Counter
CSU Byte 2
1 Issuer Approves Online Transaction
1 Card Block
1 Application Block
1 Update PIN Try Counter
1 Set Go Online on Next Transaction
1 CSU Created by Proxy for the Issuer
x x Update Counters
0 0 Do Not Update Offline Counters
0 1
Set Offline Counters to Upper Offline
Limits
1 0 Reset Offline Counters to Zero
1 1 Add Transaction to Offline Counter

Note: The CSU Created by Proxy for the Issuer bit shall be set in the CSU if and only if
the CSU is generated by a proxy for the Issuer.
Table CCD 11: Card Status Update for Cryptogram Versions '5' and '6'

CSU Byte 3
0 0 0 0 0 0 0 0 RFU
CSU Byte 4
x x x x x x x x Issuer-Discretionary
Table CCD 11: Card Status Update for Cryptogram Versions '5' and '6',
continued
The default value for issuer-discretionary data in the CSU is zero.
Annex D Transaction Log Information
If the CCD-compliant application supports transaction logging, it shall be
supported using the method specified in Annex D.
EMV 4.3 Book 3

Index
A
Abbreviations ........................................................ 19
AC ................................ See Application Cryptogram
Account Type .............................................. 127, 179
Acquirer Identifier ....................................... 127, 142
Additional Terminal Capabilities ........................ 127
Advice Messages ................................................. 119
AFL ........................... 59, 60, 74, 78, 93, 94, 96, 129
AID ............................................... 37, 129, 131, 144
AIP .... 59, 60, 76, 77, 79, 81, 83, 91, 92, 95, 96, 100,
120, 121, 129
Coding ............................................................ 160
Amount ............................................................... 146
Amount, Authorised ............................................ 101
API ...................................................................... 130
APPLICATION BLOCK ...................................... 49
Application Cryptogram 49, 54, 55, 56, 76, 120, 128
Application Currency Code 100, 101, 128, 130, 147,
163
Application Currency Exponent .......................... 128
Application Discretionary Data ........................... 128
Application Effective Date ............................ 99, 128
Application Elementary File ........... 37, 38, 143, 158
Application Expiration Date .................... 74, 99, 129
Application File Locator ............................. See AFL
Application Identifier .................................. See AID
Application Interchange Profile ................... See AIP
Application Label ................................................ 129
Application Preferred Name ........................ 129, 139
Application Primary Account Number (PAN) ..... 74,
129
Application Priority Indicator ............................. 130
Application Template .......................................... 131
Application Transaction Counter ............... See ATC
APPLICATION UNBLOCK ................................ 50
Application Usage Control ............................ 98, 131
Coding ............................................................ 161
Application Version Number ........................ 98, 131
ATC ............................ 55, 58, 76, 79, 113, 131, 141
AUC ...................................................... 98, 131, 161
Authorisation Code ............................................. 132
Authorisation Response Code ............................. 132
B
Bank Identifier Code ........................................... 132
BER-TLV Data Objects ...................................... 155
BIC .................................... See Bank Identifier Code
C
Card Action Analysis .......................................... 118
CARD BLOCK ..................................................... 51
Card Risk Management Data Object List 1 ......... See
CDOL1
Card Risk Management Data Object List 2 ......... See
CDOL2
Cardholder Name ................................................ 133
Cardholder Verification ............................ See CVM
Cardholder Verification Method ............... See CVM
CCD ......................... See Common Core Definitions
CDA .............................................................. 96, 160
CDOL1 .............................................. 38, 87, 88, 132
CDOL2 .......................................................... 38, 132
CID.................................................. 55, 56, 119, 134
Class Byte ............................................................. 42
Coding Conventions .............................................. 42
Command .............................................. 41, 134, 140
Command APDU Structure ................................... 41
Commands ............................................................ 48
APPLICATION BLOCK ................................. 49
APPLICATION UNBLOCK............................ 50
CARD BLOCK ................................................ 51
EXTERNAL AUTHENTICATE ..................... 52
GENERATE AC ........................................ 54, 85
GET CHALLENGE ......................................... 57
GET DATA ...................................................... 58
GET PROCESSING OPTIONS ....................... 59
INTERNAL AUTHENTICATE ...................... 61
PIN CHANGE/UNBLOCK ............................. 63
READ RECORD .............................................. 65
VERIFY ........................................................... 67
Common Core Definitions .................................. 182
Card Status Update ......................................... 209
Card Verification Results ............................... 207
Cardholder Verification .................................. 198
CID Coding .................................................... 184
Common Core Identifier ................................ 205
Completion ..................................................... 199
Data Elements ................................................ 203
Data Retrievable by GET DATA Command .. 186
EXTERNAL AUTHENTICATE ................... 183
Functions Used in Transaction Processing ..... 199
GENERATE AC
Command Coding ...................................... 187
GENERATE AC ............................................ 183
GENERATE AC Command Use .................... 197
GET PROCESSING OPTIONS ..................... 184
INTERNAL AUTHENTICATE .................... 185
Issuer Application Data .......................... 205, 206
Issuer-to-Card Script Processing .................... 198
Offline PIN Processing ................................... 198
Response APDU Format ................................ 183
Completion .......................................................... 124
Index EMV 4.3 Book 3

Country Code................................................ 99, 139
Cryptogram ...................................... 54, 55, 114, 128
CryptogramInformation Data ..................... See CID
CryptogramTypes ................................................ 54
CSU .....................................................188, 199, 201
Currency ............................................................. 130
Currency Code .....................................130, 147, 163
Currency exponent .............................................. 147
CV Rule
Coding ........................................................... 162
CVM ........ 67, 79, 100, 103, 104, 133, 144, 162, 163
D
DAC ................................................................... 134
Data Authentication Code ................................... 134
Data Element Format Conventions ....................... 29
Data Elements and Files ....................................... 35
Data Elements Dictionary ................................... 127
Data Field Bytes ................................................... 44
Data Object List (DOL) ........................................ 38
Data Objects ......................................................... 36
Classes ............................................................. 36
DDF .............................................................. 37, 135
DDOL ................................................ 38, 61, 75, 135
Definitions .............................................................. 9
DF Name ............................................................ 134
Directory Definition File ............................ See DDF
Directory Definition File (DDF) Name .............. 135
Directory Definition File Name .................. 135, 143
Directory Discretionary Template ...................... 135
Dynamic Data Authentication Data Object List .. See
DDOL
E
Erroneous Data ..................................................... 77
Exception Handling .............................................. 81
Exponent ............................................................. 130
EXTERNAL AUTHENTICATE .......................... 52
Status Words Returned .................................. 177
F
FCI ...................................................................... 136
FCI Issuer Discretionary Data ................ 35, 91, 136
File Control Information ............................... See FCI
Files ...................................................................... 37
Financial Transaction ............................... 35, 41, 73
Floor Limit ......................................................... 144
Floor Limits ........................................................ 111
Format 1 ............................................................. 143
Format 2 ............................................................. 143
Function
Card Action Analysis ..................................... 118
Cardholder Verification ................................. 100
Completion .................................................... 124
Initiate Application Processing ........................ 91
Issuer-to-Card Script Processing .................... 122
Offline Data Authentication ............................. 95
Offline PIN Processing .................................. 103
Online PIN Processing ................................... 104
Online Processing .......................................... 120
Processing Restrictions .................................... 98
Read Application Data ..................................... 93
Signature Processing ...................................... 104
Terminal Action Analysis .............................. 114
Terminal Risk Management ........................... 110
Transaction Log ............................................. 169
G
GENERATE AC ...... 54, 56, 85, 110, 114, 116, 117,
118, 119, 120, 121, 122, 123, 124, 132, 140
CryptogramTypes ........................................... 54
GET CHALLENGE ............................................. 57
GET DATA .......................................................... 58
GET PROCESSING OPTIONS ........................... 59
I
IAC ...................................... See Issuer Action Code
IAD ............................................................... 55, 138
IBAN ........ See International Bank Account Number
ICC Dynamic Number ........................................ 136
IFD ..................................................................... 138
IIN ........................ See Issuer Identification Number
Initiate Application Processing ............................. 91
Instruction Byte .................................................... 43
Interface Device .......................................... 135, 138
INTERNAL AUTHENTICATE ........................... 61
International Bank Account Number .................. 138
Issuer Action Code ........................ 89, 114, 115, 138
Issuer Application Data ................................ 55, 138
Issuer Authentication Data ............ 52, 120, 121, 139
Issuer Code Table Index ............................. 139, 164
Issuer Country Code ........................................... 139
Issuer Identification Number .............................. 139
Issuer-to-Card Script Processing ........................ 122
L
Language ............................................................ 140
Last Online Application Transaction Counter ..... See
LATC
LATC ........................................................... 79, 141
LCOL .............................................. 76, 79, 113, 141
Log Entry .................................................... 141, 170
Log Format ................................................. 141, 171
Logical Channels .................................................. 47
Lower Consecutive Offline Limit ............ See LCOL
EMV 4.3 Book 3 Index

M
Mandatory Data Objects........................................ 74
Mapping Data Objects ........................................... 73
MCC.................................................................... 141
Merchant Category Code .................................... 141
Merchant Identifier.............................................. 142
Missing Data ......................................................... 77
N
Non-velocity-checking indicators ....................... 187
Normative References ............................................. 5
Notations ............................................................... 27
O
Offline Data Authentication .................................. 95
Offline PIN Processing ....................................... 103
Online PIN Processing ........................................ 104
Online Processing ............................................... 120
P
Padding
Data Elements ................................................ 149
DOL ................................................................. 39
PAN .............................................................. 74, 129
PAN Sequence Number ...................................... 130
Parameter Bytes .................................................... 43
PDOL ................................................ 38, 59, 91, 142
Personal Identification Number.................... See PIN
PIN 46, 48, 58, 63, 67, 103, 104, 122, 135, 136, 137,
142, 147, 162, 163
PIN CHANGE/UNBLOCK .................................. 63
Point-of-Service (POS) Entry Mode ................... 142
POS ..................................................................... 142
Primary Account Number ............. 74, 111, 129, 142
Processing Options Data Object List ........ See PDOL
Processing Restrictions ......................................... 98
Public Key ......................................... 74, 75, 79, 133
Public Key Certificate ....................... 74, 75, 79, 139
Public Key Exponent....................... 75, 79, 137, 139
Public Key Remainder ...................... 74, 75, 79, 140
R
RandomTransaction Selection ............................ 111
Read Application Data .......................................... 93
READ RECORD ................................................... 65
Record ................................................................... 37
Reference Currency ............................................. 147
References
Normative ........................................................... 5
Response ............................................................... 41
Response APDU Structure .................................... 41
Revision Log ......................................................... iii
RFU Data .............................................................. 47
Rules for BER-TLV Data Objects ....................... 155
S
Scope ....................................................................... 3
Script ............................................. 47, 122, 124, 140
SDA Tag List ................................................ 96, 144
SDAD .............................................. 61, 62, 137, 143
Service Code ............................................... 143, 146
SFI ....................................................................... 143
Short File Identifier . 37, 38, 65, 78, 93, 96, 129, 143
Signature Processing ........................................... 104
Signed Dynamic Application Data ...........See SDAD
Signed Static Application Data ................ See SSAD
SSAD ...................................... 75, 79, 134, 139, 143
Status Bytes ........................................................... 44
Status Words
EXTERNAL AUTHENTICATE ................... 177
SVC ............................................................. 143, 146
T
TC Hash value ..................................................... 146
TDOL .............................................. 38, 88, 135, 146
Template 66, 127, 131, 134, 135, 136, 140, 143, 150
Terminal Action Analysis ................................... 114
Terminal Action Code ......................... 114, 115, 144
Terminal Capabilities .................................. 127, 144
Terminal Country Code ....................................... 144
Terminal Identification ........................................ 145
Terminal Risk Management ................................ 145
Terminal Type ..................................................... 145
Terminal Verification Results .................... See TVR
Terminology .......................................................... 31
Track 1 ................................................................ 145
Track 2 ................................................................ 145
Transaction Certificate Data Object List .. See TDOL
Transaction Date ......................................... 111, 147
Transaction Flow ................................................... 81
Transaction Log Information .............................. 169
Transaction Personal Identification Number ....... 147
Transaction Sequence Counter ............................ 148
Transaction Status Information .................... See TSI
Transaction Time ................................................ 148
Transaction Type ................................................. 148
TRM ............................................................ 110, 145
TSI 91, 95, 96, 97, 100, 102, 110, 118, 121, 123, 148
Bit Settings Following Script Processing ....... 173
Coding ............................................................ 168
TVR .... 77, 88, 91, 95, 96, 97, 98, 99, 101, 102, 103,
104, 110, 111, 112, 113, 114, 120, 123, 145, 177
Bit Settings Following Script Processing ....... 173
Index EMV 4.3 Book 3

Coding ........................................................... 165
U
UCOL .............................................. 76, 79, 113, 148
UN ...................................................................... 148
Unpredictable Number........................................ 148
Upper Consecutive Offline Limit ............ See UCOL
URL .................................................................... 140
V
Velocity Checking .............................................. 113
VERIFY................................................................ 67

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