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Visa Integrated Circuit Card Application Overview
The Visa Integrated Circuit Card (ICC) Application Overview has been updated. Please see the Chapter 1, Section 1.6, “Impact Summary” for information on what has changed from Visa ICC Specification (VIS) version 1.3.2. This document is the final copy of the Visa ICC Specification version 1.4.0. It reflects changes from the copy published on the Visa website in April 2001. These changes are noted in a separate changes list available on the Visa website. It is important that Visa staff, members, and vendors review the changes list. If you have any comments regarding this manual, please contact your regional representative. Your opinion is important to us.

Effective: 31 October 2001

Visa Integrated Circuit Card

Application Overview Version 1.4.0
Effective: 31 October 2001

 Visa International 1998, 1999, 2001
Visa Public

5101-03

All rights reserved. and thus any person who implements any part of this Specification should consult an intellectual property attorney before any such implementation. Printed on recycled paper. 2001 Visa International Service Association. trademarks. infringe. Any party seeking to implement this Specification is solely responsible for determining whether their activities require a license to any technology including. 1999. but not limited to. Permission to copy and implement the material contained herein is granted subject to the conditions that (i) any copy or re-publication must bear this legend in full. and/or other intellectual property of third parties. 1998. Visa International Service Association shall not be liable for any party’s infringement of any intellectual property right. or otherwise use the patents. know-how. copyrights. (ii) any derivative work must bear a notice that it is not the Visa Integrated Circuit Card Specification published by Visa. trade secrets. . Visa makes no representation or warranty regarding whether any particular physical implementation of any part of this Specification does or does not violate. and (iii) Visa shall have no responsibility or liability whatsoever to any other party arising from the use or publication of the material contained herein. patents on public key encryption technology.

1–7 1. . . . . . . . . . . . . . . . . . . . 1–7 1. . . . . . . . . . . . . . . . .3. . .2 Chapter Overview . . . . .3. . . . . . . . . . . . 1–8 Draft 12/18/00 31 Oct 2001 Visa Public i . . . . . . . .3 Subheading Overview . . . . . . 1–8 1. . . . . . . . . . . . . . . . . .1. . . . . 1–3 1. .3 Terminated Transactions . . . .2 VIS Update . . .5 Revisions to This Specification . . . . . . . . . . . 1–8 1. .6. . . . 1–3 . . . .Contents Chapter 1 • About This Specification 1. . . . .6. . . . . . . .6. . . . . . . . . .1 Audience . . . . 1–6 1. . . . . .3 Terminology . . . . .4. . .2 Optional . . . . . . . . . . . . . . . . 1–6 1. . . . . . . . . . . . 1–4 1. . . . . . . . . 1–7 1. . . . . . . . . . . . . . . . . . . . . . . . .1 Volume Overview 1. . . . . . . . . . . . .6. .4. . . . . . . . .6. . . . . . . . . . . . . 1–7 1. . . . . . . . . 1–2 1.1. . . . . . . . . . . . . . .6. . . . . . . . . . . . . . . 1–4 . . . . . . . . . . .3. . . . . . . . 1–3 1. . . . .6 Impact Summary . .1 Mandatory .2 Card/Integrated Circuit . . . . . . . . .2. . . . . . . . . .2 Card . . . . 1–3 1.4. . . . . . . . . 1–4 1. . .1 Mandatory/Required/Recommended/Optional 1. . . . . . . . . . . . .2. . . . .1 Mandatory . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1–2 1. . .2 Optional . . . . . . . . . . . . . . . . . . . .1 Terminal . . . . . . . . . . .4 Document Structure . .

Contents

Visa Integrated Circuit Card Application Overview, Version 1.4.0

1.7 Reference Materials

. . . . . . . . . . . . . . . . . . . . . . . 1–10

1.7.1 International Organisation for Standardisation (ISO) Documents . . . . 1–10 1.7.2 EMV Documents 1.7.3 Visa Documents . . . . . . . . . . . . . . . . . . . . . . 1–11 . . . . . . . . . . . . . . . . . . . . . . 1–11

Chapter 2 • Processing Overview
2.1 Functional Overview . . . . . . . . . . . . . . . . . . . . . . . . 2–1

2.1.1 Application Selection (mandatory) . . . . . . . . . . . . . . . . . 2–1 2.1.2 Initiate Application Processing/Read Application Data (mandatory) . . . . 2–2 2.1.3 Offline Data Authentication . . . . . . . . . . . . . . . . . . . 2–2

2.1.4 Processing Restrictions (mandatory) . . . . . . . . . . . . . . . . 2–3 2.1.5 Cardholder Verification (mandatory) . . . . . . . . . . . . . . . . 2–3 2.1.6 Terminal Risk Management (mandatory) . . . . . . . . . . . . . . 2–3 2.1.7 Terminal Action Analysis (mandatory) . . . . . . . . . . . . . . . 2–4

2.1.8 Card Action Analysis (mandatory) . . . . . . . . . . . . . . . . . 2–4 2.1.9 Online Processing . . . . . . . . . . . . . . . . . . . . . . . 2–4 2.1.10 Issuer-to-Card Script Processing . . . . . . . . . . . . . . . . . 2–5 2.1.11 Completion (mandatory) . . . . . . . . . . . . . . . . . . . . 2–5 2.2 Mandatory and Optional Functionality . . . . . . . . . . . . . . . . . 2–7

2.2.1 Card Functional Requirements . . . . . . . . . . . . . . . . . . 2–7 2.2.2 Terminal Functional Requirements . . . . . . . . . . . . . . . . 2–9

2.2.3 Command Support Requirements . . . . . . . . . . . . . . . . 2–11 2.3 Visa Low-Value Payment (VLP) Feature . . . . . . . . . . . . . . . . 2–12 2.3.1 Overview . . . . . . . . . . . . . . . . . . . . . . . . . 2–12

Chapter 3 • Application Selection
3.1 Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3–2

3.2 Terminal Data . . . . . . . . . . . . . . . . . . . . . . . . . . . 3–3 3.3 Commands . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3–3

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3.4 Building the Candidate List . . . . . . . . . . . . . . . . . . . . . 3–4 3.5 Identifying and Selecting the Application . . . . . . . . . . . . . . . . 3–4 3.5.1 Terminal Makes Application Decision . . . . . . . . . . . . . . . 3–4 3.5.2 Cardholder Makes Account Decision . . . . . . . . . . . . . . . 3–5 3.5.2.1 Terminal Supports Cardholder Confirmation . . . . . . . . . . 3–5 3.5.2.2 Terminal Supports Cardholder Selection . . . . . . . . . . . 3–5 3.6 Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3–6 3.7 Subsequent Related Processing . . . . . . . . . . . . . . . . . . . 3–7

Chapter 4 • Initiate Application Processing
4.1 Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4–2 4.2 Terminal Data . . . . . . . . . . . . . . . . . . . . . . . . . . 4–3

4.3 GET PROCESSING OPTIONS Command . . . . . . . . . . . . . . . 4–3 4.4 Terminal Processing . . . . . . . . . . . . . . . . . . . . . . . . 4–3 4.5 Card Processing . . . . . . . . . . . . . . . . . . . . . . . . . 4–4 4.6 Terminal Processing . . . . . . . . . . . . . . . . . . . . . . . . 4–4 4.7 Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4–5 4.8 Prior Related Processing . . . . . . . . . . . . . . . . . . . . . . 4–6 4.9 Subsequent Related Processing . . . . . . . . . . . . . . . . . . . 4–6

Chapter 5 • Read Application Data
5.1 Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5–2 5.2 Terminal Data . . . . . . . . . . . . . . . . . . . . . . . . . . 5–3

5.3 READ RECORD Command . . . . . . . . . . . . . . . . . . . . . 5–3 5.4 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . 5–3

5.5 Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5–4 5.6 Prior Related Processing . . . . . . . . . . . . . . . . . . . . . . 5–5 5.7 Subsequent Related Processing . . . . . . . . . . . . . . . . . . . 5–5

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Chapter 6 • Offline Data Authentication
6.1 Keys and Certificates . . . . . . . . . . . . . . . . . . . . . . . . 6–3 6.1.1 Visa Certificate Authority (CA) . . . . . . . . . . . . . . . . . . 6–3 6.1.2 RSA Key Pairs . . . . . . . . . . . . . . . . . . . . . . . . 6–3

6.1.2.1 Visa Public/Private Keys . . . . . . . . . . . . . . . . . . 6–3 6.1.2.2 Issuer Public/Private Keys 6.1.2.3 ICC Public/Private Keys . . . . . . . . . . . . . . . . . 6–3 . . . . . . . . . . . . . . . . . . 6–4 . . . . . . . . . . 6–4 . . . . . . . . . . 6–5

6.1.3 SDA Key, Certificate, and Signature Relationships 6.1.4 DDA Key, Certificate, and Signature Relationships 6.2 Determining Whether to Perform SDA or DDA 6.3 Static Data Authentication (SDA)

. . . . . . . . . . . . . . 6–7

. . . . . . . . . . . . . . . . . . . 6–8

6.3.1 SDA Processing . . . . . . . . . . . . . . . . . . . . . . . . 6–9 6.4 Dynamic Data Authentication (DDA) . . . . . . . . . . . . . . . . . 6–11 6.4.1 Data Elements for DDA Processing . . . . . . . . . . . . . . . 6–11 6.4.2 Standard DDA Processing . . . . . . . . . . . . . . . . . . . 6–13 6.4.3 Combined DDA/AC Generation Processing . . . . . . . . . . . . 6–14 6.5 Prior Related Processing . . . . . . . . . . . . . . . . . . . . . 6–16

6.6 Subsequent Related Processing . . . . . . . . . . . . . . . . . . . 6–16

Chapter 7 • Processing Restrictions
7.1 Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7–2

7.2 Terminal Data . . . . . . . . . . . . . . . . . . . . . . . . . . . 7–3 7.3 Application Version Number . . . . . . . . . . . . . . . . . . . . . 7–4

7.4 Application Usage Control . . . . . . . . . . . . . . . . . . . . . . 7–4 7.5 Application Effective Date . . . . . . . . . . . . . . . . . . . . . . 7–4

7.6 Application Expiration Date . . . . . . . . . . . . . . . . . . . . . . 7–5 7.7 Prior Related Processing . . . . . . . . . . . . . . . . . . . . . . 7–7

7.8 Subsequent Related Processing . . . . . . . . . . . . . . . . . . . . 7–7

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. . . . . . . . . . . . . . . . . . . . . . . .2. . . .4. . . . . . . . . . . . . . . .5 No CVM Required . . . . .2. . . . . . 8–3 8. .6 Subsequent Related Processing . . . . . . 9–3 9. . . . . . .4. . . . 8–10 8. . . . .6 Floor Limit Checking . . . . . . . .2 CVM Processing . . . . . . . . . . . . . . . . . . . 9–5 9. . . . .4 Processing . . .1 Card Data . . . . . .4 Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 GET DATA Command . . 9–5 9. . . . . 9–4 9. . 8–10 8. . 8–8 8. . . . . . . . . . . . . . . . . . . . .5 Merchant Forced Transaction Online 9. . . . . . . .2 Offline Enciphered PIN .8 Terminal Velocity Checking . . .2. . 8–11 8. . . . . . . . . .11 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public v . . . . .0 Contents Chapter 8 • Cardholder Verification 8. 8–11 8. 9–2 9.2 Terminal Data . .2 Terminal Data 8. . . 9–4 9. . . . . . . . . . . . . . . . . . . . . . . .5 Prior Related Processing . . . . . .3 Commands 8. .4. . . . . . . . . . . . . . . .4. . . . 9–4 9. . . . . . . . . . . . . . . . . . Version 1. . . .1 CVM List Processing .9 New Card Checking . . . .2. . 9–8 9. . . . . . . . . . . . . . . . . . . . . . . . 8–11 8. . .1 Offline Plaintext PIN . . . . . . . . . . . . . . . . 9–4 9. . . . . .2. .2. . . . . . . . . . . .3 Online PIN . . . . . . . . . . . . . . . . . .4. . . . . . . . . . . . . . . . . . . . . . . . . . 8–8 8. . . . .4.4. . . . 9–4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9–8 . .Visa Integrated Circuit Card Application Overview. . .10 Prior Related Processing . . . . . 8–11 8. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Terminal Exception File . . . . . . . . . . . . . . . . . . . . .1 Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8–6 . . . . .4. 8–7 . . . 8–10 8. .4. . . . . . . . . . . . . 8–14 8. 8–14 Chapter 9 • Terminal Risk Management 9. . . . . . . . . . . .6 Fail CVM . .7 Random Transaction Selection . . . .

. . . . . . . . . . . 11–5 11. . . . . . . . . .2 Request Application Cryptogram . . . . . . . . . . . . . . . . . . . . . 12–3 Draft 12/18/00 vi Visa Public 31 Oct 2001 . . . . . . . . . .2.4. . . . . . . . . . . . . . . . . . . . . . . . . .1 Standard Response to GENERATE AC . . . . . . . . . . . .4. . . . . . . . . 10–4 10. . . . . . . . . . . . . . . . . . . . 11–2 11.3 Processing Flow . . 10–6 10. . . . .1 Card Data . .2 Terminal Data . . . . . . . . . 10–4 10. . . . . . . . .Contents Visa Integrated Circuit Card Application Overview. . . . .4. . . . . . . . . . . 10–5 10. . . . .2 Card Response Decision . .2. . .0 Chapter 10 • Terminal Action Analysis 10. . . . 11–7 Chapter 12 • Online Processing 12.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command . . . . . . . . . . . . . . . . . . . . . . . . .4 Processing . . . . . . 12–2 12. . .3 Online Request and Response Data .4 Processing . . . . . . . . . . . . . . . . . . . . . . . 10–3 10.1 Card Data . . . . . . . . . . . . . . . . 10–4 10. . . . . . . . . .4.2 Response to GENERATE AC for Combined DDA/AC Generation . .4. . . . .2 Terminal Data . . . . . . . . . . . . . .6 Subsequent Related Processing . . . .4. 11–3 11. . . . 11–2 11. . . . . . . .1 Card Risk Management . . . . . . . . Version 1. . . . . . . . . . . . . . . . . . 11–7 11. . . . . . . 11–4 11. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11–3 11. . . . . . . . . 11–6 11. . . . . . . . . . . 10–7 Chapter 11 • Card Action Analysis 11. . . . 10–7 10. . . . . . . . 11–2 11. . . 11–4 11. . . . 10–2 10. . .4. . .7 Subsequent Related Processing . . . . . . 12–3 12. . . . . . . . . . . . . . .6 Prior Related Processing . . . . . . . . . . . . . . . . . . . .3 GENERATE APPLICATION CRYPTOGRAM (AC) Command . . . . . . . . . . . . . .4. . . . . . .5 Flow . . .2 Terminal Data . . .1 Review Offline Processing Results . .1 Card Data . . . . . . . . . . . . .5 Prior Related Processing . . . . . . . .

. . . . . . . 13–5 13. . . . . .3 Issuer Authentication . . . . .1. .1 Transaction Authorized Offline . 12–5 . .Visa Integrated Circuit Card Application Overview. . . . . . .2 Online Authorization Completed Successfully . . . . . . . . . . . .4.1. . . . 13–11 13. . . . . . . . . . .1 Online Authorization Completed . . .4. . . 13–4 13. .5. . . . . . . . . .4 Processing . . 13–3 13. . . .5. . . . . . . . . . . . .5 Processing . .1 Card Data .2. . . . .4. . . . .4 Processing Flow 12. . .2. . . . . . . . . . . . . .4. . . . . . . . . . . . . . . . 12–5 12. . .1 Terminal Determines Transaction Disposition . . . . . . . . . . . 12–8 12. . . . . .2 Standard Online Processing . . . .4. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12–5 12. . . .3 GENERATE Application Cryptogram (AC) Command . . .5. . . . . . . . . . . 12–7 . . . . . . . . . . . . . 13–5 13.0 Contents 12.3 Online Authorization Unable to Complete . . . . . . . . . . . . . . . 13–8 13. . . . . . . . . . . . .2 Card Responds to Final GENERATE AC Command . . . . . . . . . . . . . . . . . . . 13–9 13. .4. . . . . . . . . . 13–4 13. . . 13–7 13. . . . . . . . . . .2 Online Authorization Unable to Complete . . . . . . . . . Version 1. . . 13–10 .6 Prior Related Processing Draft 12/18/00 31 Oct 2001 Visa Public vii . . . . . . . 13–5 13. . . . .4. . . . . . . . . . 12–6 12. . . 13–7 13. .5. . . . .1 Combined DDA/AC Generation Processing 12. . . . . . . . . . . . . . . . . 13–6 13. . 12–5 12. . . . .4 Commands . . . 12–8 . . . .5. . . . . . . . . . .6 Prior Related Processing . 12–4 12. . . . . . . . . .1. . . . . . . . . 12–5 12. . . .5. . . . . . . . . . . 13–6 13. . . . . . . . . . .5 Flow . . . . . . . .3 Terminal Completes Transaction .2 Terminal Data . .1 Online Request .7 Subsequent Related Processing Chapter 13 • Completion 13. . . . . .1.4. . . . . . . . . . . . . . .1. . . . . . . . .4. .2 Online Response . . . . . . .

. . . . . . . . . . . . 14–10 14. . . .6. . . . . . . . . . . . . . . . . . . . . . . . . . .8 Prior Related Processing . . . . . . . . .2 Data Encipherment Keys . . . . Version 1. . . . . . . . . . . .1 Issuer Scripts . . . . . . . . .2 Command Processing . . . 14–3 14. . . . . . .6 Processing . . 14–8 14. 14–4 14. .7 Processing Flow . . . . . . . . . . 14–11 14. . . . . . . . . . . . . .1 Script-Related Keys . . . . 14–9 14. . .4. .1. . . . . .3 Secure Messaging . . . . . . . . . . . . . . . .4 Online Response Data . . . 14–11 Appendix A • Acronyms Glossary Index Draft 12/18/00 viii Visa Public 31 Oct 2001 . . . . . . . . . 14–3 14. .0 Chapter 14 • Issuer-to-Card Script Processing 14. . . . . . . . . . . . . . . . . . . . . . 14–3 14. . . . . . . . . . . . . . . . .2 Card Data . . . . . . . . . . . .Contents Visa Integrated Circuit Card Application Overview.6. . . . .5 Commands 14. .1 Message Authentication Code Keys . . . . . . . . . . . . . . . . . . . .6.3 Terminal Data . . . . . . 14–5 14. . . . . . . . . . . . . . . . . . . . . . .9 Subsequent Related Processing . . . . . . . . . .1. . . . . 14–8 14. . . . . . . . . . . . . 14–8 14. . . . . . . 14–5 14. . . . . . . . . . . . . . . . 14–6 . . . . . . . . . . .

. . . . . . . Terminal Risk Management Processing Flow (2 of 2) . . . . . . . . . . . . . . . . . . . . . . . . 13–1: Completion . . . . . . 9–6 . . . . . . . . . . . . . . . . . 4–5 . . . Processing Flow for DDA. . . . . . . . . . . . . CVM List Processing Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11–1: Card Action Analysis . . . . . . . . . . . . . . . Processing Restrictions . . . . . . . . . . . . . . . . . . . . . . 5–4 . . . . . . . . . . . . . . . . . 12–1: Online Processing Flow . . . . . . . . . . . 9–7 10–6 11–6 12–7 Initiate Application Processing Flow . . . . . 2–6 . . . . . . DDA Data—Key Relationships . . 3–6 . . . . . . . . SDA Key Relationships . . . . 7–6 . . . . . . . . . . . . . . . . . . . . 6–5 . . . . . . 13–10 . . .Figures 2–1: 3–1: 4–1: 5–1: 6–1: 6–2: 6–3: 6–4: 7–1: 8–1: 8–2: 8–3: 9–1: 9–2: Sample Transaction Flow Application Selection . PIN Processing Flow (1 of 2) PIN Processing Flow (2 of 2) Terminal Risk Management Processing Flow (1 of 2) . . . . . . . . . . . . . . . . . . 14–10 14–1: Issuer-to-Card Script Processing . . . 10–1: Terminal Action Analysis Flow . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Processing Flow for SDA. . . . . . . . . . . . Draft 12/18/00 31 Oct 2001 Visa Public ix . . . . . . . . . . . 6–6 6–10 6–15 . . . . . . . . . . . . . 8–9 8–12 8–13 . . . . . Read Application Data Processing Flow . . . . . . . . . . . . . . . .

0 Draft 12/18/00 x Visa Public 31 Oct 2001 .4. Version 1.Figures Visa Integrated Circuit Card Application Overview.

. . . . . . . . . . . 8–4 . . . . . . . . . . . Offline Data Authentication Processing Priority . . Card Data Used in SDA . . . . . . . . . . . . . . . . . 9–3 10–2 10–2 Initiate Application Processing—Card Data . . . . . . . . . . . . . . . . . . . . . . . Card Data Used in Combined DDA/AC Generation Processing Restrictions—Card Data . . . . . . 8–3 . . . . . Offline Enciphered PIN—Card Data . . . . . . . . . . . . . CVM Processing—Terminal Data . . . . . . . . . Read Application Data—Previously Sent Card Data . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Terminal Functional Requirements Command Support Requirements . . . . . . . . . . . . 8–6 . . . . . . . . . . . Draft 12/18/00 31 Oct 2001 Visa Public xi . . 6–8 . . Initiate Application Processing—Terminal Data . . . . . . . . . . . . . . . . 8–5 . . . CVM List Processing—Card Data . . . . . . . . . . Terminal Risk Management—Card Data . . . . . . . . . . . . . . . . . . . . . Application Selection—Card Data . . . 3–3 . . . . . . . 6–7 . . . . . 5–2 . 5–2 . Terminal Risk Management—Terminal Data 10–1: Review Offline Processing Results—Card Data 10–2: Request Cryptogram Processing—Card Data . . . . . . . 2–7 . 4–2 . . . . . 3–2 . Terminal Data Used in SDA . . . . Processing Restrictions—Terminal Data . . .Tables 2–1: 2–2: 2–3: 3–1: 3–2: 4–1: 4–2: 5–1: 5–2: 6–1: 6–2: 6–3: 6–4: 6–5: 6–6: 7–1: 7–2: 8–1: 8–2: 8–3: 8–4: 9–1: 9–2: Card Functional Requirements . . . . . . . . Application Selection—Terminal Data . . . . . . Read Application Data—Card Data . . . . . . . . . . 7–2 . . . . . . . . . . . . . . . . Offline PIN Processing—Card Data . . 6–8 6–11 6–12 6–12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Terminal Data Used in DDA Card Data Used in DDA . . . . . . . . . . 9–2 . . . . . . 2–9 2–11 . . . . . . . . . . 4–3 . . . . . . . . . . . . . . . 7–3 . . . . . . . . . . . . . . . . .

. . . . . . . . . . . . . . 11–1: Card Action Analysis—Card Data . 12–2: Online Processing Issuer Authentication—Card Data . . 12–2 . . . . . . . 14–2: Issuer-to-Card Script Processing—Terminal Data . . . . . . 14–4 . . . . . . . . . . . 12–4: Online Processing—Online Response Data . 13–4: Authorization Response Code for Offline Action Taken 14–1: Issuer-to-Card Script Processing—Card Data . . . . . . . 13–4 . . . . . . . . . . . . 14–3: Issuer-to-Card Script Processing—Online Response Data Draft 12/18/00 xii Visa Public 31 Oct 2001 . . . . . . 11–2 . . . . . . . .Tables Visa Integrated Circuit Card Application Overview. . . . . . 13–3 . . 13–7 . . . . . . . Version 1. . .0 10–3: Review Offline Processing Results—Terminal Data 10–4: Request Cryptogram Processing—Terminal Data . . . . 13–2: Completion—Card Data (Partial List) . . 12–3: Online Processing—Terminal Data . . . . . . . . . . . . . . . . 12–2 . . . . . . . . . . 10–3 . . . . . . .4. 10–3 . . . . . 12–1: Online Processing—Card Data . . . . 14–5 11–2: Card Response to GENERATE AC Command . . . . . . . . . . . . . . . . . . . . 11–4 . 14–5 . . . . . . . . 12–3 . . . . . . . . . . . . . 13–1: GENERATE AC Response . . 13–4 . . . . . . . . 12–3 . 13–3: Completion—Terminal Data . . . . .

especially in terms of the processing taking place between the chip card and terminal at the point of transaction Provide Visa’s minimum requirements for chip-based credit and debit programs Identify options that members and vendors can implement to meet market needs Support Visa’s payment service rules and International Operating Regulations for Visa Smart Debit and Visa Smart Credit (VSDC) Define Visa’s implementation of optional EMV features q q q q q Because VIS is based on EMV. please refer to Chapter 2. MasterCard. To facilitate understanding of the differences between these two specifications. VIS builds on the EMV requirements in order to support the Visa payment service rules. It focuses on the functions performed by the chip card and terminal as well as the interaction between the chip card and terminal at the point of transaction. Processing Overview. and Visa (EMV) specifications to ease vendor development efforts Aid members and vendors in understanding the changes that chip brings to the credit and debit payment services. the two specifications should be used together for reference and development purposes. The objective of the Visa Integrated Circuit Card Specification is to: q Communicate the implementation details of Europay.About This Specification 1 The Visa Integrated Circuit Card Specification (VIS) provides the technical details of chip card and terminal functionality related to Visa Smart Debit and Visa Smart Credit (VSDC) transactions (Visa’s chip-based credit and debit programs). Draft 12/18/00 31 Oct 2001 Visa Public 1–1 . However.

is provided later in this chapter.4. VIS 1.0. Version 1. Version 4. and readers seeking a technical understanding of the functionality of chip cards and terminals supporting Visa Smart Debit and Visa Smart Credit programs.3. 1.4. Draft 12/18/00 1–2 Visa Public 31 Oct 2001 . enhancements to VSDC functionality.3.2. vendors.3. and corrections and clarifications to VIS 1.1 Audience This document is intended for members.0.2.0 1.2 and the current version. An impact summary highlighting the differences between VIS 1.About This Specification Visa Integrated Circuit Card Application Overview.2 VIS Update This document serves as an update to VIS 1. The update includes changes reflecting EMV 2000 Integrated Circuit Card Specification for Payment Systems.

1. Visa’s minimum requirements are designated using the terms “mandatory”. Version 1. Visa’s minimum requirements reflect the EMV mandatory items in addition to specific requirements outlined in the Visa payment service rules or International Operating Regulations.” Recommended functionality is designated in the document using the term “should.0 1.” Elective data elements and functions are designated using the terms “optional” or “may. To this end.3 Terminology 1. When it is necessary to distinguish between the chip itself and another card feature such as the magnetic stripe. 1. 1.” Markets can customize their programs beyond the minimum requirements through adoption of the optional functions and through proprietary processing.2 Card/Integrated Circuit In general. must not interfere with global interoperability.3 Terminology This section provides clarification on several terms used throughout the specification.3. Draft 12/18/00 31 Oct 2001 Visa Public 1–3 . “required”.1 Mandatory/Required/Recommended/Optional Visa’s philosophy is to facilitate market requirements while ensuring global interoperability. the term “integrated circuit” may be used. All other functionality is optional and not required. the term “card” is used to describe functions performed by the VSDC application on the card.4.3 Terminated Transactions When the term “terminal terminates transaction” is used. however. it includes the processing to end the transaction and the display of the message to the cardholder and merchant indicating why the transaction cannot be completed.3.Visa Integrated Circuit Card Application Overview. Proprietary processing.3. and “shall.

supported by both the card and terminal. and an index. It also includes additional Visa specific requirements for card functionality. and concludes with the subheading structure of each chapter.1 Volume Overview The document is organized into three volumes. Vendors involved in the creation of the VSDC terminal application should focus on this document for their development efforts. Draft 12/18/00 1–4 Visa Public 31 Oct 2001 . and a list of reference materials. Chapter 2. Card Volume—This volume specifies the technical details of EMV related to the data and processing performed by the card. Chapter 3. requirements from EMV may be restated in the various volumes and. is followed by an overview of each chapter. q Application Volume—This volume provides a technical overview of the processing between the card and terminal.4. Application Selection—This function determines which of the applications. where necessary. Processing Overview—This chapter provides an overview of the each function and highlights whether the function is mandatory or optional. Each volume includes a list of acronyms.About This Specification Visa Integrated Circuit Card Application Overview. It also includes additional Visa specific requirements for terminal functionality.4. information is replicated in the three volumes to provide comprehensive information.4.2 Chapter Overview This guide is organized according to the functions that occur during VSDC transaction flow and is divided into the following sections: Chapter 1. a summary of revisions for this version of the VIS documents. 1. Version 1.4 Document Structure This section provides an overview of the structure of the Visa Integrated Circuit Card Specification.0 1. This volume may be used as an overview to understand the processing and sequence of events involved in a VSDC transaction flow. It begins with an overview of the three volumes. VIS terminology. a glossary. Vendors involved in the creation of the VSDC card application should focus on this document for their development efforts. Terminal Volume—This volume specifies the technical details of EMV related to the data and processing performed by the terminal. q q To provide clarity. 1. will be used to conduct the transaction. About This Specification—This chapter provides an overview of the VIS specification.

Version 1. Processing Restrictions—During this function. Read Application Data—During this function. Chapter 8. or sent online for an authorization. the card applies post-issuance changes sent from the issuer. internal to the card. Completion—During this function.Visa Integrated Circuit Card Application Overview.0 1. effective and expiration dates checks. Draft 12/18/00 31 Oct 2001 Visa Public 1–5 . Chapter 10. This analysis determines whether the transaction should be approved offline.4 Document Structure Chapter 4. the card and the terminal conclude transaction processing. Online Processing—During this function. the issuer’s host computer reviews and authorizes or rejects transactions using the issuer’s host-based risk parameters. application version checks. Chapter 11. the card receives any terminal data which was requested by the card during Application Selection. declined offline. This risk management check protects against threats that might be undetectable in an offline environment. the terminal determines the cardholder verification method (CVM) to be used and performs the selected CVM. velocity checking and other risk management. is performed. the terminal applies rules set by the issuer in the card and by the acquirer in the terminal to the results of offline processing. the terminal ensures that higher-value transactions are sent online and that chip read transactions go online periodically. Offline Data Authentication—During this function.4. Issuer-to-Card Script Processing—During this function. Initiate Application Processing—During this function. Terminal Action Analysis—During this function. Card Action Analysis—During this function. Chapter 9. Chapter 7. Chapter 13. Chapter 14. the terminal reads the data records necessary for the transaction from the card. Chapter 5. the terminal authenticates data from the card using RSA public key technology. Cardholder Verification—During this function. Terminal Risk Management—During this function. and other checks are performed by the terminal at the point of transaction. Chapter 6. Chapter 12.

3 Subheading Overview For ease of use. NOTE: Flowcharts are representative of processing and may not include all steps that may be performed. q 1. Version 1. Commands—Provides the requirements for the commands used to support the function. If there are several functions within a process.4. they may be listed separately.4.0 1. or market needs.About This Specification Visa Integrated Circuit Card Application Overview.5 Revisions to This Specification Revisions to this specification may be required to accommodate future EMV changes. The impacts of these changes will be communicated in the VIS changes list or in an update to this document. Data element tags are listed when multiple tags are associated with a single data element name. Subsequent Related Processing—Outlines subsequent processing to aid in understanding future activities related to this function. Data element tags are listed when multiple tags are associated with a single data element name. Visa payment service rules. Terminal Data—Provides the mandatory and optional data elements needed in the terminal to support the function. q q q q Prior Related Processing—Outlines prior processing to aid in understanding previous activities related to this function. Draft 12/18/00 1–6 Visa Public 31 Oct 2001 . Processing—Provides the technical details of the function. the main chapters are structured in the same manner: q Card Data—Provides the mandatory and optional data elements required on the card to support the function.

6. Version 1. 1. the terminal shall switch to the List of AIDs method. Terminal support for Visa Low-value Payment feature of VSDC. The testing of terminals to support mandatory changes shall be aligned with the EMV 2000.2 Optional q Visa Operating Regulations may permit the terminal to eliminate certain common applications from consideration during Application Selection. If the SDA Tag List is one of the data elements read from the card. the terminal shall save the Data Authentication Code (if present) and ICC Dynamic Number after recovery.6 Impact Summary 1.4.1. Secure transfer of the PIN from the PIN pad to the card reader is required.6. q q q Draft 12/18/00 31 Oct 2001 Visa Public 1–7 .0 1. 1. The EMV Combined DDA/Generate AC option is included as a terminal option. Refer to the EMVCo website for information on testing schedules.0.1 Mandatory q If the Directory method of Application Selection fails.1 Terminal This section includes mandatory and optional changes. q q q q 1.Visa Integrated Circuit Card Application Overview. During SDA and DDA.4. migration requirements.0 (April 2001). The public key encipherment used in the Offline Enciphered PIN processing may occur either in the PIN pad or in the card reader.1. ATMs supporting Offline PIN shall support CVM List processing. Version 4.6.6 Impact Summary The following is an outline of changes and additional functionality from both a card and terminal perspective for VIS 1. the terminal shall validate that the only tag it contains is the tag for the AIP. The terminal shall not allow Partial Selection during Application Selection if the terminal indicators show it is not supported for the AID.

The EMV optional session key generation method is referenced as a VIS option.4.2 Optional q The Issuer Public Key length may equal that of the corresponding Visa CA Public Key. Support of Cardholder Verification must be indicated in the Application Interchange Profile and a CVM List is required.1 and 1.About This Specification Visa Integrated Circuit Card Application Overview. The results indicated that it was not in use and that the requirement could be added to EMV. the only tag in the list must be “82”.2 Card This section includes mandatory and optional changes.6. To ensure interoperability and backward compatibility cards should begin compliance immediately.3. An SDA tag list that does not comply will result in Offline Data Authentication failure in EMV 4. A new cryptogram generation method.6. Changes are backward compatible and cards tested under versions 1. The Online Authorization Indicator is no longer reset after offline approval. Cryptogram Version 14. Cumulative amounts are no longer incremented for offline declines. Version 1.2. NOTE: Cryptogram Version 14 is not currently supported in VisaNet systems and Issuer’s wishing to implement this option must be aware that they will not be eligible for VisaNet Authentication Services.3. Prior to adding this requirement to EMV a survey was conducted to determine if the SDA tag list was being utilized. The ICC Public Key length may equal that of the corresponding Issuer Public Key.2 will continue to work in the new devices.0 terminals. the tag for the Application Interchange Profile. 1. q q q q q Draft 12/18/00 1–8 Visa Public 31 Oct 2001 . q q q 1.2. is referenced as a VIS option. Contact the CAA for information on testing schedules.6.0 1.1 Mandatory q If a card is personalized with an SDA Tag List. An Application Default Action bit has been added to allow issuers to decline the transaction and block the application if the PIN Try Limit was exceeded on a previous transaction. The EMV Combined DDA/Generate AC option is included as a VSDC card option.

Visa Integrated Circuit Card Application Overview.6 Impact Summary q The Online Authorization Indicator is optional in the card unless Issuer Authentication or Issuer Script processing is supported. q q q Draft 12/18/00 31 Oct 2001 Visa Public 1–9 .4. A “Cumulative Total Transaction Amount Upper Limit” has been added. An Application Default Action bit has been added to allow issuers to send transactions online if issuer script processing failed on a previous transaction.0 1. Version 1. The Visa Low-value Payment feature of VSDC has been added.

ISO 4217:1995. ISO/IEC 7812:1994. ISO/IEC 7816-5:1994. Financial Transaction Card Originated Messages—Interchange Message Specifications. 1. Information Processing—8-bit Single-Byte Coded Graphic Character Sets. Identification Cards—Identification of Issuers.About This Specification Visa Integrated Circuit Card Application Overview. ISO 3166:1997. ISO/IEC 7811:1995. ISO 8583:1987. q q q q q q q q q q q q Draft 12/18/00 1–10 Visa Public 31 Oct 2001 . ISO 8859:1987. Bank Card Originated Messages—Interchange Message Specifications—Content for Financial Transactions.0 1. ISO/IEC 7813:1995. Identification Cards—Integrated Circuit Cards with Contacts—Part 5: Numbering System and Registration Procedure for Application Identifiers. Banking—Personal Identification Number Management and Security. Identification Cards—Financial Transaction Cards ISO/IEC 7816-4:1995. Version 1. The websites for obtaining these documents or information on obtaining them are listed below. contact your Visa member representative. Codes for the Representation of Currencies and Funds. ISO/IEC 7810:1995.7 Reference Materials The following documents contain additional information on Visa Smart Debit and Visa Smart Credit.ch q ISO 639:1988. Codes for the Representation of Names of Countries. ISO 8583:1993. Identification Cards—Physical Characteristics. Identification Cards—Recording Technique. Identification Cards—Integrated Circuit Cards with Contacts—Part 4: Interindustry Commands for Interchange.7. Codes for the Representation of Names and Languages.1 International Organisation for Standardisation (ISO) Documents Information on ordering these documents is available on http://www. ISO 9564:1991. For additional information.iso.4.

Security and Key Management. q q q 1.7 Reference Materials 1. 2000. Book 1. test requirements and test cases for EMV levels 1 and 2 may be obtained through the EMVCo website www.visa.emvco.0) VIS Corrections and Updates q Available on the Visa website: http://visa.com/nt/suppliers/vendor q Chip Card Products: Submission Requirements—Describes Visa International requirements for approval of new and upgraded chip card products. 2000.0. December.0. Application Specification. Card Specification. Book 2.4. and pricing. It summarized Visa’s present testing services.2 and 1.2 EMV Documents Available on the EMVCo Website: http://www. Version 4. Draft 12/18/00 31 Oct 2001 Visa Public 1–11 .html q Visa Integrated Card Specification (Application Overview. Visa supports and recognizes approvals by EMVCo. EMV 2000 Integrated Circuit Card Specification for Payment Systems.0.com.3 Visa Documents Available on the Visa website: http://wwws2. December. EMV 2000 Integrated Circuit Card Specifications for Payment Systems.Visa Integrated Circuit Card Application Overview.4.7.3.emvco. and Terminal Specification) (VIS . EMVCo specifications.7. policies. December. Application Independent ICC to Terminal Interface Requirements. Attendant and Acquirer Interface Requirements. EMV 2000 Integrated Circuit Card Specifications for Payment Systems. Version 4. q Chip Card Products: Testing and Approval Requirements—Describes Visa International requirements for approval of new and upgraded chip card products.com/nt/chip/visdownload.0.0 1. LLC for EMV level 1 (Interface Module) and EMV level 2 (device application). Version 4.versions 1.com/specifications. 2000. Book 4. December. type approval administrative documentation. Book 3. EMVCo is the owner of the EMV Integrated Circuit Card Specifications for Payment Systems. 2000.cfm q EMV 2000 Integrated Circuit Card Specification for Payment Systems. Version 4. Cardholder. Version 1.

Version 1. and step-by-step activities to assist with implementation for VSDC Acquirers. Visa Cash—Information and procedures related to the Visa Certificate Authority including Visa Certificate Authority Public Keys and Issuer Public Key Certificates. suggestions. Visa Smart Debit and Visa Smart Credit Member Implementation Guide for Acquirers—Describes best practices. It describes the components and decisions necessary for program implementation and focuses on what is new and different about implementing a Visa Smart Debit or Visa Smart Credit program. considerations. Available on Visa InSite Global Products eLibrary: (http://insite/global/Consumer Platform Search/content) or through a regional representative: q Certificate Authority User’s Guide—Visa Smart Debit and Visa Smart Credit. Visa Smart Debit/Visa Smart Credit Service Description—A document focusing on the features and benefits of the service. q q q q q Draft 12/18/00 1–12 Visa Public 31 Oct 2001 . NOTE: This guide is the final authority for non-application specific requirements. VSDC Service Activation Guide (SAG)—Describes planning considerations. Visa Smart Debit and Visa Smart Credit Planning Guide—A reference guide and roadmap for Acquirers and Issuers implementing Visa Smart Debit or Visa Smart Credit programs. business aspects. suggestions. technical aspects and other regional tasks associated with completing a member implementation of VSCD. NOTE: The Visa Smart Debit and Visa Smart Credit Personalization Templates have been added to this document.About This Specification Visa Integrated Circuit Card Application Overview.4.0 q Common Personalization—A guide to a common approach to personalization of all applications. considerations. and step-by-step activities to assist with implementation for VSDC Acquirers. Visa Smart Debit and Visa Smart Credit Member Implementation Guide for Issuers—Describes best practices. Common Personalization for Visa Smart Debit and Credit (VSDC)—A guide to personalization of VSDC Applications using the Common Personalization Approach. q q Visa Smart Debit and Visa Smart Credit Certification Authority Key Revocation Visa Policies and Procedures—The Visa-specific policies and procedures related to key revocation.

Version 1.pdf q Visa Smart Debit and Visa Smart Credit System Technical Manual—A document that describes the changes to VisaNet to support VSDC.0—Provides vendors with insight towards designing their card acceptance devices to meet current and future industry and Visa scheme specific requirements and best practices. PIN-related security. q Available by request to the VSDC Hotline: q Visa Smart Debit/Visa Smart Credit Early & Full Data Options for Host Systems—Provide Member center managers with an overview of the Early and Full options for their host systems. Available on Visa InSite or through a Visa regional representative: http://insite/dynaweb/opregs q Visa International Operating Regulations—Specifies standards all Members must meet to operate and participate in Visa Payment Services (Volumes I-IV). Available through Visa regional representative: q Visa Smart Debit/Credit Certificate Authority Internal Procedures—Describes guidelines for enrolling the Visa Certificate Authority and is intended for use by Regional staff supporting VSDC. and the management of cryptographic keys as well as the guidelines for encoding account and cardholder data on Track 1 and Track 2 of the magnetic stripe of a Visa card. Visa Certification Management Service (VCMS) User’s Manual-BASE II System—A guide for the BASE II System component of the VisaNet Certification Management System.7 Reference Materials Available on Visa InSite or through a Visa regional representative: http://insite/ref/docs q Card Acceptance Device Reference Guide: Requirements and Best Practices Version 5.Visa Integrated Circuit Card Application Overview. Draft 12/18/00 31 Oct 2001 Visa Public 1–13 . Member Version—A guide for the VIP System component of the VisaNet Certification Management System.4. VisaNet Card Technology Standards Manual—The standards applied to PINs. Visa Smart Payment Operating Principles Guide—Board-approved payment service principles for Visa Smart Debit and Visa Smart Credit.0 1. q q q Available on Visa InSite or through a Visa regional representative: http://insite/dept/buspubs1/library/vsmart/techlet. Visa Certification Management Service (VCMS) Testing and Certification Guide-VIP System.

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This is followed by a transaction flow showing the order in which these functions may be performed and the commands sent by the terminal to the card for communications. Functions marked as mandatory are performed for all transactions. 2. the terminal determines which applications are supported by both the card and terminal. though some steps within the mandatory functions may be optional. Charts at the end of the chapter show functional and command support requirements for cards and terminals.1 Application Selection (mandatory) When a VSDC card is presented to a terminal. Draft 12/18/00 31 Oct 2001 Visa Public 2–1 . If these applications cannot be displayed. and the cardholder selects the application to be used for payment. The terminal displays all mutually supported applications to the cardholder. 2.Processing Overview 2 This chapter provides an overview of a Visa Smart Debit and Visa Smart Credit (VSDC) transaction. Functions not marked mandatory are optional and are performed based upon parameters in the card or terminal. or both. Regions may have additional restrictions and requirements. the terminal selects the highest priority application as designated by the issuer during card personalization.1.1 Functional Overview The following functions are used in VSDC transaction processing.

DDA has two forms: Standard DDA and Combined DDA/Generate AC.4. the terminal requests that the card indicate the data and functions supported for that application and the functions supported. which is stored on the card inside a public key certificate and a digital signature. which contains a hash of important application data encrypted with the Issuer Private Key. The terminal reads the data indicated by the card and uses the supported function list to determine the processing to perform. With Standard DDA. With Combined DDA/AC Generation.3 Offline Data Authentication The terminal determines whether it should authenticate the card offline using either offline static or dynamic data authentication based upon the card and terminal support for these methods. The terminal decrypts this dynamic signature using the ICC Public Key recovered from card data.0 2. the terminal requests that the card generate a cryptogram using dynamic (transaction unique) data from the card and terminal and an ICC Private Key. Draft 12/18/00 2–2 Visa Public 31 Oct 2001 .2 Initiate Application Processing/Read Application Data (mandatory) When a VSDC application is selected. A match of the recovered hash with a generated hash of the actual application data proves that the data has not been altered. The card may indicate different data or different support functions based upon characteristics of the transaction such as domestic or international. 2. Offline Dynamic Data Authentication (DDA).1. A match of the recovered data to the original data verifies that the card is not a counterfeit card created with data skimmed (copied) from a legitimate card. The terminal validates static (unchanging) data from the card using the card’s Issuer Public Key.Processing Overview Visa Integrated Circuit Card Application Overview. validates that the card data has not been fraudulently altered and additionally validates that the card is genuine. Version 1. the generation of the dynamic signature is combined with the generation of the card’s Application Cryptogram during Card Action Analysis to assure that the Application Cryptogram came from the valid card.1. like SDA. Offline Static Data Authentication (SDA) validates that important application data has not been fraudulently altered since card personalization.

6 Terminal Risk Management (mandatory) Terminal Risk Management checks whether the transaction is over the merchant floor limit. Version 1. An issuer may use Application Usage Controls to restrict a card’s use for domestic or international. the terminal may use a default CVM as defined by Visa International Operating Regulations. or no cardholder verification required. Terminal velocity checking results are considered during Terminal Action Analysis.5 Cardholder Verification (mandatory) Cardholder verification is used to ensure that the cardholder is legitimate and the card is not lost or stolen. and Visa (EMV) specifications. the terminal prompts the cardholder for a PIN and transmits the cardholder-entered PIN to the card.4 Processing Restrictions (mandatory) The terminal performs Processing Restrictions to see whether the transaction should be allowed. such as online PIN. The terminal checks whether the effective date for the card has been reached. the card is a new card. 2.4. signature. Some transactions are randomly selected for online processing. The CVM List establishes a priority of cardholder verification methods. or the merchant has forced the transaction online. The terminal uses a Card Verification Method (CVM) List from the card to determine the type of verification to be performed. whether the card has expired. The CVM List may also specify other methods of cardholder verification. cash. whether the application versions of the card and terminal match. Visa recommends support for velocity checking by the card and the data elements used card velocity checks are defined by Visa. or cashback. Under certain conditions.Visa Integrated Circuit Card Application Overview. Terminal Risk Management also includes optional velocity checking by the terminal using data elements from the card.1 Functional Overview 2. 2. goods. services. If the CVM is offline PIN. the limit for consecutive offline transactions has been exceeded.1.0 2.1. Card velocity checking results are considered during Card Action Analysis Draft 12/18/00 31 Oct 2001 Visa Public 2–3 .1. MasterCard. which compares it to a Reference PIN stored secretly in the card. which consider the capabilities of the terminal and characteristics of the transaction to prompt the cardholder for a specific method of cardholder verification. The card data elements used are those defined by Europay. the account number is on an optional terminal exception file. and whether any Application Usage Control restrictions are in effect.

During online processing. This message includes the ARQC cryptogram. Terminal Risk Management. The type of application cryptogram is based upon the transaction disposition with a Transaction Certificate (TC) for an approval. the TC and the data used to generate it are transmitted in the clearing message for future cardholder disputes or chargeback purposes. the terminal transmits an online authorization message to the issuer if the terminal has online capability. It returns this cryptogram to the terminal.0 2. Version 1. and an Application Authentication Cryptogram (AAC) for a decline. The card rules are set in fields called Issuer Action Codes (IACs) sent to the terminal by the card and the terminal rules are set in Terminal Action Codes (TACs). and the card may convert an online request to an offline decline. an Authorization Request Cryptogram (ARQC) for an online request. and Cardholder Verification and rules set in the card and terminal to determine whether the transaction should be approved offline. and indicators showing offline processing results. the card performs Card Action Analysis where Card Risk Management checks may be performed to determine whether to change the transaction disposition set by the terminal. The card may convert a terminal request for an offline approval to an online transaction or an offline decline.Processing Overview Visa Integrated Circuit Card Application Overview.8 Card Action Analysis (mandatory) Upon receiving the application cryptogram request from the terminal.4. failure of Issuer Authentication or offline data authentication failure on a previous transaction. Processing Restrictions. and count or amount velocity checking limits having been reached. or declined offline. Draft 12/18/00 2–4 Visa Public 31 Oct 2001 . the data used to generate the ARQC. or both.7 Terminal Action Analysis (mandatory) Terminal Action Analysis uses the results of Offline Data Authentication. 2. The issuer may consider these CAM results and the offline processing results in its authorization decision.1. The card cannot override a terminal decision to decline a transaction. 2. The TC may be used as a ‘proof ’ of transaction when a cardholder disputes a transaction and to verify that the transaction data has not been changed by the merchant or acquirer. After completion of the checks.1. the card generates the application cryptogram using application data and a secret DES key stored on the card. These may include checks for prior incomplete online transactions. For offline approved transactions. sent online for authorization. For offline declined transactions. the cryptogram type is an AAC. the issuer validates the ARQC to authenticate the card in a process called Online Card Authentication (CAM). After determining the transaction disposition.1.9 Online Processing If the card and terminal determine that the transaction requires an online authorization. the terminal requests an application cryptogram from the card.

The response may also include post-issuance updates to the card called Issuer Scripts.0 2.11 Completion (mandatory) The card and terminal perform final processing to complete the transaction.10 Issuer-to-Card Script Processing If the issuer includes script updates in the authorization response message. the Authorization Response Code. Issuer Authentication results. If the terminal transmits a clearing message subsequent to an authorization message.1. subsequent transactions for the card will be sent online for authorization until Issuer Authentication is successful. Version 1. and issuer-encoded rules to determine whether to reset card-based counters and indicators. blocking and unblocking the application. Draft 12/18/00 31 Oct 2001 Visa Public 2–5 .Visa Integrated Circuit Card Application Overview. This prevents criminals from circumventing the card’s security features by simulating online processing and fraudulently approving a transaction to reset card counters and indicators. With single message systems or systems involving acquirer host data capture of approved transactions. 2.4. 2. Successful Issuer Authentication may be required for resetting certain security-related parameters in the card.1 Functional Overview The authorization response message transmitted back to the terminal may include an issuer-generated Authorization Response Cryptogram (ARPC) (generated from the ARQC. The card uses the transaction disposition.1. and changing the Offline PIN value. the terminal must generate a reversal for issuer-approved transactions which are subsequently declined by the card. If Issuer Authentication fails. The Issuer has the option to set up the card to decline the transaction if Issuer Authentication fails. the card performs Issuer Authentication by validating the ARPC to verify that the response came from the genuine issuer (or its agent). If the authorization response contains an ARPC and the card supports Issuer Authentication. the TC is transmitted in the clearing message. and the card’s secret DES key). Prior to applying the updates. resetting the Offline PIN Try Counter. An issuer-approved transaction may be converted to a decline based upon Issuer Authentication results and issuer-encoded parameters in the card. blocking the card. Supported script commands allow updating offline processing parameters. The card generates a TC for approved transactions and an AAC for declined transactions. the card performs security checking to assure that the script came from the valid issuer and was not altered in transit. the terminal passes the script commands to the card.

0 Figure 2–1: Sample Transaction Flow KEY Card Mandatory process List of Supported Applications Mandatory process w/ optional steps SELECT Command/Response READ RECORD Command/Response GET PROCESSING OPTIONS Command/Response Initiate Application Processing Terminal Application Selection Supported Functions & Pointers to Application Data Optional process Provide Application Records READ RECORD Commands/Responses Read Application Data 1 .If DDA 2 .Processing Overview Visa Integrated Circuit Card Application Overview.If Offline Enciphered PIN 3 . Number PIN Try Counter Validate PIN Last Online Application Transaction Counter (ATC) Register GET CHALLENGE Command/Response2 GET DATA Command/Response 3 Cardholder Verification VERIFY Command/Response4 GET DATA Command/Response Terminal Risk Management GENERATE APPLICATION CRYPTOGRAM Command Perform Card Action Analysis & Generate Application Cryptogram Terminal Action Analysis GENERATE APPLICATION CRYPTOGRAM Response Online Transaction? Y Online Processing N Validate ARPC Cryptogram EXTERNAL AUTHENTICATE Command/Response Issuer Authentication Perform Final Check & Generate Final Cryptogram GENERATE APPLICATION CRYPTOGRAM Command/Response Completion Apply Script Issuer-to-Card Script Commands/Responses Issuer-to-Card Script Processing Draft 12/18/00 2–6 Visa Public 31 Oct 2001 .Optional for Offline PIN 4 . Version 1.If Offline PIN Generate Dynamic Cryptogram INTERNAL AUTHENTICATE Command/Response 1 Offline Data Authentication SDA or DDA Processing Restrictions Generate Unpred.4.

Support for conditional functions is required if the associated condition is true. regional. Version 1. Table 2–1: Card Functional Requirements (1 of 2) Function Application Selection q Card Support Mandatory Optional (EMV) Mandatory (EMV) Mandatory (EMV) Mandatory (EMV) Optional (EMV) Optional (EMV) Conditional—If DDA supported (VIS) Optional (EMV) Conditional—If Combined DDA/AC Generation supported (VIS) Optional (EMV) Mandatory (EMV) Mandatory (EMV) Optional (EMV) Optional (EMV) Mandatory (EMV) Optional (EMV) Required (VIS) Optional (EMV) Required (VIS) Directory Method Explicit Selection Method q Initiate Application Processing Read Application Data Offline Data Authentication q SDA Standard DDA Combined DDA/AC Generation q q Processing Restrictions q Application Version Number Application Usage Control Effective Date Check Expiration Date Check q q q Cardholder Verification q Individual CVMs Draft 12/18/00 31 Oct 2001 Visa Public 2–7 . or Visa rules. Optional functions may be supported at the issuer’s discretion or may be required by market.0 2.1 Card Functional Requirements VSDC cards must support the mandatory functions shown in Table 2–1.2.2 Mandatory and Optional Functionality 2.2 Mandatory and Optional Functionality 2.Visa Integrated Circuit Card Application Overview.4.

Not supported (VIS) Optional (EMV) Mandatory (VIS) Some Card Risk Management steps are optional in VIS (refer to the Visa Integrated Circuit Card Specification.0 Table 2–1: Card Functional Requirements (2 of 2) Function Terminal Risk Management q Card Support Optional (EMV) Mandatory (VIS) n/a (Card plays no role) n/a (Card plays no role) n/a (Card plays no role) n/a (Card plays no role) n/a (Card plays no role) Optional (EMV) Not supported but not precluded (VIS) Optional (VIS) IACs optional (EMV). Version 1. Card Action Analysis) Optional (EMV) Algorithm option provided (EMV) Multiple algorithm options provided (VIS) Terminal Exception File Merchant Force Online Floor Limits Transaction Log Random Selection Velocity Checking New Card q q q q q q Terminal Action Analysis Card Action Analysis q Online/offline decision Offline referrals Card Risk Management q q q Advice Messages Application Cryptogram q Online Processing q Online Capability Issuer Authentication Mandatory (EMV) Optional (EMV) Mandatory (EMV) Optional (EMV) Some form is mandatory if scripts supported (EMV) Recommended form (VIS) q Completion Issuer-to-Card Script Processing q Secure Messaging Draft 12/18/00 2–8 Visa Public 31 Oct 2001 . Chapter 11. IACs required (VIS) Mandatory (EMV) Mandatory (EMV) Optional (EMV).Processing Overview Visa Integrated Circuit Card Application Overview.4.

4. Table 2–2: Terminal Functional Requirements (1 of 2) Function Application Selection q Terminal Support Mandatory Optional (EMV) Mandatory (EMV) Not used for financial interchange (EMV) Mandatory (EMV) Mandatory (EMV) Conditional—If offline capable (EMV) Conditional—If offline capable terminal (EMV) or if DDA supported (EMV) Optional (EMV) Conditional—If DDA/AC Generation supported (VIS) (VIS recommends for offline capable terminals) Optional (EMV) Mandatory (EMV) Mandatory (EMV) Mandatory (EMV) Mandatory (EMV) Mandatory (EMV) Mandatory (EMV) with Operating Regulation exceptions (VIS) Mandatory (EMV) Mandatory (EMV) Optional (EMV) with Operating Regulation exceptions (VIS) Directory Method Explicit Selection Method Implicit Selection Method q q Initiate Application Processing Read Application Data Offline Data Authentication q SDA Standard DDA Combined DDA/AC Generation q q Processing Restrictions q Application Version Number Application Usage Control Effective Date Checking Expiration Date Checking q q q Cardholder Verification q No CVM Required Fail CVM Processing Other CVMs (Offline PIN.0 2.2. Online PIN. etc.2 Mandatory and Optional Functionality 2. Support for conditional functions is required if the associated condition is true.) q q Draft 12/18/00 31 Oct 2001 Visa Public 2–9 . regional. signature.Visa Integrated Circuit Card Application Overview. Version 1. or Visa operating regulations. Optional functions may be supported at the merchant or acquirer’s discretion or may be required by market.2 Terminal Functional Requirements VSDC terminals are required to support the mandatory functions shown in Table 2–2.

4. Version 1.Processing Overview Visa Integrated Circuit Card Application Overview.0 Table 2–2: Terminal Functional Requirements (2 of 2) Function Terminal Risk Management q Terminal Support Conditional—If merchant controlled terminal (EMV) Some functions do not apply for online-only or offline-only terminals (EMV) Optional (EMV) Optional (EMV) Mandatory (EMV) Optional (EMV) Conditional—If both online & offline capable (EMV) Conditional—If offline capable Mandatory Mandatory (EMV) n/a (card function) Terminal Exception File Merchant Force Online Floor Limits Transaction Log Random Selection Velocity Checking New Card q q q q q q Terminal Action Analysis Card Action Analysis Online Processing q Online Capability Advice Messages Issuer Authentication Optional (EMV and VIS) Optional (EMV and VIS) Conditional—If online capable Mandatory Conditional—If online capable q q Completion Issuer-to-Card Script Processing Miscellaneous Functions q Cardholder amount validation Voice Referrals Card initiated referrals Merchant forced acceptance Prompt for chip read Recommended (EMV) Recommended Not supported (VIS) Optional (EMV) Mandatory (EMV) q q q q Draft 12/18/00 2–10 Visa Public 31 Oct 2001 .

Visa Integrated Circuit Card Application Overview.2. If supported. using APPLICATION BLOCK is recommended (VIS) Application unblocking capability is optional.4.3 Command Support Requirements Card and terminal support for the VSDC commands is shown in Table 2–3. Table 2–3: Command Support Requirements (1 of 2) Command APPLICATION BLOCK Card Support Application blocking capability is optional. using APPLICATION UNBLOCK is recommended (VIS) Card blocking capability is recommended.2 Mandatory and Optional Functionality 2. must be in issuer controlled environment (VIS) Mandatory (EMV) Conditional—If DDA supported (EMV) Performed at special issuer-controlled devices PIN CHANGE/UNBLOCK Draft 12/18/00 31 Oct 2001 Visa Public 2–11 . If supported. CARD BLOCK command is one method (VIS) Conditional—If Issuer Authentication supported (EMV) Mandatory (EMV) Terminal Support Pass through from Issuer mandatory (VIS) APPLICATION UNBLOCK Pass through from Issuer mandatory (VIS) CARD BLOCK Pass through from Issuer mandatory (VIS) EXTERNAL AUTHENTICATE Conditional—If online-capable (EMV) Mandatory (EMV) GENERATE APPLICATION CRYPTOGRAM (AC) GET CHALLENGE Conditional—If Offline Enciphered PIN supported (EMV) Optional (EMV) Mandatory (VIS) Conditional—If Offline Enciphered PIN supported (EMV) Conditional—If ATM or merchant controlled device (EMV) GET DATA GET PROCESSING OPTIONS INTERNAL AUTHENTICATE Mandatory (EMV) Conditional—If DDA supported (EMV) Unblocking PIN—Conditional if Offline PIN supported. Version 1.0 2. Method used may be PIN CHANGE/UNBLOCK (VIS) PIN Change—Optional.

Since VLP consists of many low-value transactions.3 Visa Low-Value Payment (VLP) Feature The Visa Low-value Payment (VLP) feature of VSDC offers an optional source of pre-authorized spending power that is reserved for rapid processing of offline low-value payments. which performs an online status check. VLP supports a cumulative amount limit and a per transaction amount limit.3.Processing Overview Visa Integrated Circuit Card Application Overview. Draft 12/18/00 2–12 Visa Public 31 Oct 2001 . A reset without a financial transaction can also take place at a dedicated online unattended device. Version 1. adding these transactions to standard VSDC velocity checking counters could cause VSDC transactions to be processed online more frequently than intended by issuers. The amount of spending power is reset to the spending limit at any online capable VSDC terminal if an online authorization or status check transaction is approved by the issuer and the card. Therefore.4. 2. For details on VLP.0 Table 2–3: Command Support Requirements (2 of 2) Command PUT DATA Card Support Optional (VIS) Terminal Support Pass through from Issuer mandatory (VIS) Mandatory (EMV) Mandatory (EMV) Pass through from Issuer mandatory (VIS) Conditional—If Offline PIN supported (EMV) READ RECORD SELECT UPDATE RECORD Mandatory (EMV) Mandatory (EMV) Optional (VIS) VERIFY Conditional—If Offline PIN supported (EMV) 2.1 Overview Risk management features may differ from those supported for non-VLP VSDC and are selected by the issuer. refer to Appendix G of the Card Volume and Appendix D of the Terminal Volume of this specification. standard VSDC velocity checking counters are not incremented by VLP transactions.

This chapter is organized into the following sections: 3. A single application from this list is identified and selected to process the transaction.Application Selection 3 Application Selection is the process of determining which of the applications that are supported by both the card and terminal will be used to conduct the transaction. This process takes place in two steps: 1.3 Commands 3. 2.7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 3–1 .5 Identifying and Selecting the Application 3.6 Flow 3.4 Building the Candidate List 3. The terminal builds a candidate list of mutually supported applications.1 Card Data 3.2 Terminal Data 3.

The directory file designating the structure of the files beneath the PSE is known as the Payment Systems Directory. AEF contains data elements used by the application in processing. Application Elementary Files (AEF) Application Identifier (AID) The AID is composed of the Registered Application Provider Identifier (RID) and the Proprietary Application Identifier Extension (PIX).Application Selection Visa Integrated Circuit Card Application Overview. which contain data elements for the application. The terminal uses a READ RECORD command to access directory files. Appendix A. language preferred and the priority of the application relative to other applications on the card.DDF01”. The ADF contains information about the application such as the name of the application. A DDF is a file that designates the structure of files beneath it.0 3. The PSE is a DDF named “1PAY. The PDOL is a list of tags and lengths for terminal data needed by the card.1 Card Data The card data elements used in Application Selection are listed and briefly described in Table 3–1. Table 3–1: Application Selection—Card Data Data Element Application Definition File (ADF) Description The ADF is a file. Version 1. A directory file is a file listing files contained within the directory. MasterCard. The SFI is a pointer to Elementary Files (EF) Directory Definition File (DDF) Directory File File Control Information (FCI) Payment Systems Directory Payment Systems Environment (PSE) Processing Options Data Object List (PDOL) Short File Identifier (SFI) Draft 12/18/00 3–2 Visa Public 31 Oct 2001 . For a detailed description of these elements and their usage. The terminal provides the data requested in the list to the card in the GET PROCESSING OPTIONS command.4. Card and Issuer Data Elements Table. refer to the Visa Integrated Circuit Card Specification. The AID identifying the Visa Debit Credit application is “A0000000031010”. The FCI is information from the card about the application that is provided in response to the SELECT command issued by the terminal. It is obtained from the card by the terminal using the SELECT command. and Visa (EMV) specifications. which is the entry point to application elementary files (AEF).SYS. The Payment Systems Directory is a directory file containing entries for applications that conform to Europay.

Card and Issuer Data Elements Table. Draft 12/18/00 31 Oct 2001 Visa Public 3–3 . Appendix A.3 Commands SELECT The terminal sends the SELECT command to the card to obtain information from the card about an application supported by the card. if present on the card. response codes are used to indicate processing results. Application Selection Indicator List of supported applications 3.4. Table 3–2: Application Selection—Terminal Data Data Element Application Identifier (AID) Description The AID is composed of the Registered Application Provider Identifier (RID) and the Proprietary Application Identifier Extension (PIX). The card’s response contains the Processing Options Data Object List (PDOL). This information may be issuer preferences as to the priority in which the application is selected. READ RECORD The terminal sends the READ RECORD command to the card to read the records in the PSE (if Directory Selection is supported) or other DDFs in the List of AIDs Selection Method. The terminal shall maintain a list of application AIDs supported by the terminal.Visa Integrated Circuit Card Application Overview. the card provides the requested record to the terminal. and the language in which information is displayed to the cardholder. In response to the READ RECORD command. Version 1. or only up to the length of the AID in the terminal.2 Terminal Data 3. For a detailed description of these elements and their usage.0 3. There is only one Application Selection Indicator per AID in the terminal and its format is at the discretion of the terminal vendor. The command includes the Short File Identifier (SFI) of the file to be read and the record number of the record within the file. In the card response to the SELECT command.2 Terminal Data The terminal data elements used in Application Selection are listed and described in Table 3–2. refer to the Visa Integrated Circuit Card Terminal Specification. the name of the application. Indicates whether the associated AID in the terminal must exactly match the AID in the card including the length of the AID. The PDOL is used during Initiate Application Processing. The AID identifying the Visa Debit Credit application is “A0000000031010”.

0 3. If the Directory Selection Method is attempted and fails. In the List of AIDs Selection Method. If there is at least one mutually supported application. the terminal uses the List of AIDs Method.4 Building the Candidate List There are two approaches used by the terminal to build a list of mutually supported applications. and there are more available applications on the list of available applications.5. In the Directory Selection Method. List of AIDs Selection Method is mandatory for cards and terminals. Version 1. the terminal issues a SELECT command for each terminal-supported application in a list contained in the terminal. the transaction is terminated. the processing is as described in the following sections.1 Terminal Makes Application Decision A terminal that does not support cardholder selection or confirmation shall issue a SELECT command to the highest priority application that does not require confirmation. 3. If the Directory Selection Method was used to build the list of applications. the terminal should issue a SELECT command for the application with the next highest priority.4. q Directory Selection Method is optional for cards and terminals.5 Identifying and Selecting the Application If there are no mutually supported applications. 3. The terminal includes any applications listed on both the card list and the terminal list on the candidate list. This file is a list of the applications supported by the card.Application Selection Visa Integrated Circuit Card Application Overview. If more than one application has the highest priority. but if supported by the terminal. the terminal adds the application to the candidate list. the card’s response to the SELECT command may indicate that the application is blocked. the terminal may issue a SELECT command for either application. Draft 12/18/00 3–4 Visa Public 31 Oct 2001 . q NOTE: Terminals may eliminate applications from the final candidate list under conditions specified in Visa Operating Principles and Regulations. the terminal reads a file from the card. If the card response indicates that the card also supports the application. it is attempted first. If this occurs.

2. the terminal offers the next highest priority application until the cardholder confirms or there are no more available applications. but supports cardholder confirmation of an application shall first request cardholder confirmation for the highest priority application. the terminal terminates the transaction. 3. and there are more available applications on the list. The cardholder selects the application from the list and the terminal uses the SELECT command to select the application.5. the card’s response to the SELECT command may indicate that the application is blocked. If the cardholder does not select an application. If more than one application is given the same priority.2. Draft 12/18/00 31 Oct 2001 Visa Public 3–5 .1 Terminal Supports Cardholder Confirmation A terminal that does not support cardholder selection from a list of displayed applications. the terminal should remove the rejected application from the list of available applications and request confirmation of the next available application. the terminal uses the SELECT command to select the application. If this occurs. If the cardholder does not confirm. the terminal may process in the order encountered or choose one of the applications.2 Cardholder Makes Account Decision 3. and there are more available applications on the list. Version 1. If the Directory Selection Method was used to build the list of applications.Visa Integrated Circuit Card Application Overview. If the Directory Selection Method was used to build the list of applications.5. If more than one application has the same priority.0 3.5 Identifying and Selecting the Application 3. the card’s response to the SELECT command may indicate that the application is blocked.2 Terminal Supports Cardholder Selection A terminal that supports cardholder selection shall present a list of applications in priority order to the cardholder for selection.4.5. If this occurs. the terminal may display them to the cardholder in the order encountered or decide the priority. the terminal should display “Try Again” and display the list of available applications excluding the rejected applications. If the cardholder confirms the choice.

Application Selection Visa Integrated Circuit Card Application Overview.6 Flow Figure 3–1: Application Selection Card Terminal checks for card applications supported and builds candidate list Terminal T B Any mutually supported applications? N Terminal terminates the transation N Y Terminal supports selection by cardholder? Terminal displays applications by priority and asks cardholder to select Cardholder selected application? Y N Terminal displays highest priority application on list for confirmation Terminal supports confirmation by cardholder? N Applications available without confirmation? Y Cardholder confirms? Y Y Terminal identifies highest priority application not requiring confirmation Y N N T Card responds with FCI for requested AID and “9000” (selection successful) or “6283” (application blocked) or other SW1SW2 SELECT command Terminal issues SELECT command with the identified application SELECT response Successful SELECT “9000”? Y Terminal proceeds to Initiate Application Processing N Terminal removes application from list B Draft 12/18/00 3–6 Visa Public 31 Oct 2001 .0 3. Version 1.4.

7 Subsequent Related Processing 3. the PDOL was included in the SELECT response during Application Selection.Visa Integrated Circuit Card Application Overview. If geographic restrictions do not permit the selected application to be initiated.0 3. If supported.4.7 Subsequent Related Processing Initiate Application Processing The GET PROCESSING OPTIONS command sent to the card by the terminal includes any terminal data elements specified in the PDOL. Version 1. the terminal terminates the transaction and returns to Application Selection for selection of another application. Draft 12/18/00 31 Oct 2001 Visa Public 3–7 .

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The card also provides the Application Interchange Profile (AIP). a list of files and records that the terminal needs to read from the card. This chapter is organized into the following sections: 4.5 Card Processing 4.4 Terminal Processing 4.9 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 4–1 . a list of functions to be performed in processing the transaction. The PDOL is a list of tags and lengths of data elements. the terminal issues the GET PROCESSING OPTIONS command to the card to signal that transaction processing is beginning.3 GET PROCESSING OPTIONS Command 4. The card responds to the GET PROCESSING OPTIONS command with the Application File Locator (AFL).2 Terminal Data 4.7 Flow 4.6 Terminal Processing 4. the terminal supplies the card with any recognized data elements requested by the card in a Processing Options Data Objects List (PDOL).8 Prior Related Processing 4. optionally provided by the card to the terminal during Application Selection.Initiate Application Processing 4 During Initiate Application Processing. When issuing this command.1 Card Data 4.

It is part of the FCI obtained from the card by the terminal using the SELECT command. A list that indicates the capability of the card to support specific functions in the application (Static Data Authentication (SDA).1 Card Data The card data elements used in Initiate Application Processing are listed and described in Table 4–1. Visa proprietary data element indicating the issuer’s country code. refer to the Visa Integrated Circuit Card Specification. The PDOL is an optional list of tags and lengths for terminal data requested by the card. The FCI is information from the card about the application that is provided in response to the SELECT command issued by the terminal. Table 4–1: Initiate Application Processing—Card Data Data Element Application File Locator (AFL) Description Indicates the file location and range of records that contain card data to be read by the terminal for use in transaction processing. Version 1. It may also be used to determine which records from the card should be read by the terminal based on whether a transaction is domestic or international. Application Interchange Profile (AIP) File Control Information (FCI) Geographic Indicator Issuer Country Code Processing Options Data Object List (PDOL) Draft 12/18/00 4–2 Visa Public 31 Oct 2001 .Initiate Application Processing Visa Integrated Circuit Card Application Overview. and Combined DDA/AC Generation. international transactions or both. Visa proprietary data element indicating whether a card supports domestic transactions. The terminal provides the data requested in the list to the card in the GET PROCESSING OPTIONS command.0 4. For a detailed description of these elements and their usage. Used in the Geographic Restrictions check if this check is supported by the card.4. Appendix A. Cardholder Verification. Card and Issuer Data Elements Table. Dynamic Data Authentication (Standard DDA). Issuer Authentication.

4.2 Terminal Data The terminal data elements used in Initiate Application Processing are listed and described in Table 4–2. which was provided by the card during Application Selection. 2. 4. Any data elements requested in the PDOL and recognized by the terminal are passed to the card in this command. called the Processing Options Data Objects List or PDOL.3 GET PROCESSING OPTIONS Command The GET PROCESSING OPTIONS command from the terminal signals the card that transaction processing is beginning.Visa Integrated Circuit Card Application Overview. refer to the Visa Integrated Circuit Card Terminal Specification. The terminal includes the data specified in the PDOL in the GET PROCESSING OPTIONS command. Extracts the Processing Options Data Objects List (if present) from the File Control Information (FCI) provided by the card in response to the SELECT command. Version 1. Table 4–2: Initiate Application Processing—Terminal Data Data Element Terminal Country Code Description Terminal data indicating the country of the terminal.4 Terminal Processing To Initiate Application Processing.0 4. Appendix A. 4. Draft 12/18/00 31 Oct 2001 Visa Public 4–3 . Card and Issuer Data Elements Table. the terminal: 1. The terminal also uses a list (if present). It is provided to the card in the GET PROCESSING OPTIONS command if requested by the card.2 Terminal Data 4. For a detailed description of these data elements and their usage. Sends the GET PROCESSING OPTIONS command to the card.

the card increments the Application Transaction Counter (ATC) by 1 and responds to the GET PROCESSING OPTIONS command with the AIP and AFL. Removes the application from the list of available applications b. Determines the files and records that are to be read (they may differ for domestic/international) and locates or builds the AFL. the terminal: a. 2. Compares Terminal Country Code (if requested in the PDOL and returned by the terminal) to Issuer Country Code to determine if the transaction is domestic or international. 4.Initiate Application Processing Visa Integrated Circuit Card Application Overview. to determine if restrictions apply. Proceeds to Read Application Data Draft 12/18/00 4–4 Visa Public 31 Oct 2001 . If Geographic Restrictions are checked and apply.0 4. the card performs the following actions: 1. Receives the card response to the GET PROCESSING OPTIONS command If the card responds with “Conditions of use not satisfied”. Version 1. the terminal: a. the card responds to the GET PROCESSING OPTIONS command with an error code “Conditions of use not satisfied”.6 Terminal Processing The terminal processes the response to the GET PROCESSING OPTIONS command from the card as follows: 1. Performs Geographic Restrictions Check. If geographic restrictions are not checked. The terminal may return a different AIP in the response to GET PROCESSING OPTIONS. 2. or are checked and do not apply. 3.5 Card Processing Upon receiving the GET PROCESSING OPTIONS command. if supported. Returns to Application Selection 3.4. If the card responds with the AFL and the AIP. 4.

4.7 Flow Figure 4–1: Initiate Application Processing Flow Card Terminal Terminal reads PDOL for terminal data to be provided to the card Card Supports Geographical Restrictions Check? GET PROCESSING OPTIONS command Terminal issues GET PROCESSING OPTIONS (includes data requested by card in PDOL) Y Terminal Country Code = Issuer Country Code? N International Transactions Allowed? Card responds to GET PROCESSING OPTIONS with “Conditions of use not satisfied”? GET PROCESSING OPTIONS response N Y N Card responds to GET PROCESSING OPTIONS with “Conditions of use not satisfied” Y N Domestic Transactions Allowed N Terminal receives AFL and AIP Y Y Card determines which records and files are to be read by the terminal Card returns AFL and AIP Terminal proceeds to Read Application Data (Chapter 5) Terminal eliminates this application from the list of available applications and returns to Application Selection (Chapter 3) Draft 12/18/00 31 Oct 2001 Visa Public 4–5 .0 4.7 Flow 4. Version 1.Visa Integrated Circuit Card Application Overview.

9 Subsequent Related Processing Read Application Data The AFL provided by the card in response to the GET PROCESSING OPTIONS command is used by the terminal to determine what application data to read from the card and what data is to be used in Offline Data Authentication.0 4. 4. Offline Data Authentication The AIP provided by the card in response to the GET PROCESSING OPTIONS command is used by the terminal to determine if the card supports Offline Data Authentication.Initiate Application Processing Visa Integrated Circuit Card Application Overview.4.8 Prior Related Processing Application Selection The card supplies the PDOL (if present) to the terminal as part of the FCI provided in response to the SELECT command. Online Processing The AIP provided by the card in response to the GET PROCESSING OPTIONS command is used by the terminal to determine if the card supports Issuer Authentication. Cardholder Verification The AIP provided by the card in response to the GET PROCESSING OPTIONS command is used by the terminal to determine if the card supports Cardholder Verification. Version 1. Draft 12/18/00 4–6 Visa Public 31 Oct 2001 .

1 Card Data 5.2 Terminal Data 5.Read Application Data 5 During Read Application Data.7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 5–1 . This chapter is organized into the following sections: 5. the terminal reads the card data necessary to process the transaction and determines the data to be authenticated during Static Data Authentication (SDA) or Dynamic Data Authentication (DDA).4 Processing 5.6 Prior Related Processing 5.5 Flow 5.3 READ RECORD Command 5.

Table 5–2: Read Application Data—Card Data Data Element Application Elementary Files (AEF) Description Card data files containing data used for application processing.4. The terminal reads these records using the READ RECORD command. The data element described in Table 5–1 was previously sent from the card to the terminal in the response to GET PROCESSING OPTIONS and is used during Read Application Data. Version 1. which the terminal obtains from the AFL. Short File Identifier (SFI) Draft 12/18/00 5–2 Visa Public 31 Oct 2001 . It is listed in the AFL and used by the terminal to identify the files to be read. The SFI is a number used to uniquely identify application data files. The terminal uses the card data structures described in Table 5–2 during Read Application Data. Table 5–1: Read Application Data—Previously Sent Card Data Data Element Application File Locator (AFL) Description Indicates the file location and range of records containing card data to be read by the terminal for use in transaction processing. Card and Issuer Data Elements Table. Each entry designates the first record and last record numbers to read from the file and which records are to be used for authentication during Offline Data Authentication. An AEF consists of a sequence of records that are addressed by record number.Read Application Data Visa Integrated Circuit Card Application Overview. The READ RECORD command contains a designation of the SFI and record number to be read.0 5.1 Card Data A detailed description of these card data elements and their usage is found in the Visa Integrated Circuit Card Specification. Appendix A.

5. the terminal puts the record data into the static data authentication input list. The terminal processes subsequent AFL entries in the same manner until all AFL entries have been processed. 5. The terminal continues reading records from the file until it reads the last record designated to be read.2 Terminal Data No terminal data is used in the Read Application Data function. For each AFL entry.Visa Integrated Circuit Card Application Overview. the terminal saves the data objects from the record for subsequent processing. The command includes a Short File Identifier (SFI) that identifies the file and a record number to identify the record within the file. Draft 12/18/00 31 Oct 2001 Visa Public 5–3 . the terminal proceeds to Offline Data Authentication.4 Processing The terminal uses the Application File Locator (AFL) from the card to determine which records to read from the card. At this point. If the AFL entry has specified that the record is needed in authentication of static data during Offline Data Authentication. The card’s response to the READ RECORD command contains the requested record.0 5.3 READ RECORD Command The terminal sends the card a READ RECORD command for each record to be read. When the requested record is received from the card.4. the terminal uses the READ RECORD command to request the first record designated to be read.2 Terminal Data 5. Version 1.

READ RECORD command Terminal requests record using READ RECORD command Requested record in READ RECORD response Record to be used for offline data authentication? Y Terminal concatenates data into SDA input list N Record read = last record number in AFL entry? Y N More AFL entries? Y Terminal selects next AFL entry N Terminal proceeds to Offline Data Authentication (see Chapter 6) Draft 12/18/00 5–4 Visa Public 31 Oct 2001 .4. Figure 5–1: Read Application Data Processing Flow Card Terminal Terminal completes Initiate Application Processing Terminal selects first entry from AFL Card passes record to terminal. Version 1.Read Application Data Visa Integrated Circuit Card Application Overview.0 5.5 Flow Figure 5–1 shows how Read Application Data might be performed.

7 Subsequent Related Processing Offline Data Authentication SDA and DDA use the static data authentication list built during Read Application Data to validate the signed static data. Other Functions Other functions use the data read during Read Application Data for processing.Visa Integrated Circuit Card Application Overview.6 Prior Related Processing Initiate Application Processing The terminal receives the AFL from the card for use in Read Application Data. Version 1.4. 5.0 5.6 Prior Related Processing 5. Draft 12/18/00 31 Oct 2001 Visa Public 5–5 .

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the terminal authenticates static (unchanging) data from the card. SDA ensures that issuer-selected card data elements have not been altered since the card was personalized. Online authorization systems may use the results of Offline Data Authentication in their authorization response decision. Offline Data Authentication support is optional for cards.Offline Data Authentication 6 Offline Data Authentication is the process by which the terminal authenticates data from the card using RSA public key technology. Offline Data Authentication has two forms: q Static Data Authentication (SDA) Dynamic Data Authentication (DDA) q During SDA processing. Support for SDA is mandatory for all offline capable terminals and support for DDA is recommended for all offline capable terminals. or decline offline. During DDA processing. Draft 12/18/00 31 Oct 2001 Visa Public 6–1 . Offline Data Authentication results are considered in the card and terminal’s decision of whether to approve offline. DDA can be performed using either Standard DDA or Combined DDA/Application Cryptogram (AC) Generation. go online for authorization. DDA ensures that issuer-selected card data elements have not been altered since the card was personalized. DDA also confirms that the card is genuine and has not been created by copying data from a valid card to a counterfeit card (skimming). which the card generates using transactionunique data. the terminal authenticates the static card data and also authenticates a signature.

6 Subsequent Related Processing Draft 12/18/00 6–2 Visa Public 31 Oct 2001 .Offline Data Authentication Visa Integrated Circuit Card Application Overview. Version 1.3 Static Data Authentication (SDA) 6.0 This chapter is organized into the following sections: 6.4 Dynamic Data Authentication (DDA) 6.2 Determining Whether to Perform SDA or DDA 6.1 Keys and Certificates 6.4.5 Prior Related Processing 6.

Visa Integrated Circuit Card Application Overview, Version 1.4.0

6.1 Keys and Certificates

6.1 Keys and Certificates
The terminal performs Offline Data Authentication using RSA public key technology to validate digital certificates and signatures from the card. RSA public key technology uses private keys to generate enciphered values (certificates or signatures) of data elements, which are later deciphered (unlocked) for validation and data recovery.

6.1.1 Visa Certificate Authority (CA)
Offline Data Authentication requires a Certificate Authority (CA), which is a highly secure cryptographic facility that signs the issuer’s Public Keys with the Visa CA Private Keys to create an Issuer Public Key (PK) Certificate. Terminals contain the CA’s public keys for every application supported by the terminal. Visa is the CA for Visa Smart Debit and Visa Smart Credit (VSDC) applications.

6.1.2 RSA Key Pairs
6.1.2.1 Visa Public/Private Keys
Visa, as a Certificate Authority (CA), generates up to six RSA public/private key pairs. Visa assigns a unique Public Key Index (PKI) to each key pair. The Visa CA Public Keys and their indexes are loaded into terminals by acquirers. The Visa CA Private Keys are kept secret and used to sign Issuer Public Key Certificates. Terminals supporting SDA, DDA, or Offline Enciphered PIN contain the Visa CA Public Keys with their corresponding Registered Application Identifier (RID) and Certificate Authority Public Key Indexes (PKI) assigned by Visa.

6.1.2.2 Issuer Public/Private Keys
Both SDA and DDA require that the issuer generate an RSA public/private key pair and obtain Issuer Public Key (PK) Certificates from the Visa CA. To do this, the issuer sends its RSA public key to Visa CA, which generates and returns one or more Issuer PK Certificates to the issuer. The Visa CA returns an Issuer PK Certificate for each Visa CA Public Key that is longer than the Issuer Public Key and expires after the expiration date of the Issuer PK Certificate. The Issuer PK Certificate contains the Issuer Public Key enciphered with the Visa Private Key. All cards that support SDA or DDA must contain an Issuer PK Certificate and related data including the index to identify the Visa Public Key the terminal should use to decipher the certificate. The Issuer Private Key is kept in a secure device by the issuer and used to sign cards’ static data (for SDA) and ICC certificates (for DDA) prior to card personalization.

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6.1.2.3 ICC Public/Private Keys
DDA requires that the issuer generate a unique public/private key pair for each card. The ICC Private Key is stored in a secure card location. The ICC Public Key is enciphered with the Issuer Private Key to form an ICC Public Key Certificate that is stored on the card. The ICC public/private keys may also be used during Offline Enciphered PIN processing. See Chapter 8, Cardholder Verification, for details.

6.1.3 SDA Key, Certificate, and Signature Relationships
The following SDA key-related data is personalized on the card:
q

Certificate Authority Public Key Index (PKI) is used with the RID portion of the AID to identify the Certification Authority Public Key used for offline data authentication. The Issuer Public Key Certificate containing the Issuer Public Key signed with the Visa CA Private Key The Issuer Public Key Exponent The Issuer Public Key Remainder, if required, contains the portion of the Issuer Public Key which does not fit into the Issuer Public Key Certificate The Signed Static Application Data (SAD) which is a signature enciphered with the Issuer Private Key and which contains a hash of important card data

q

q

q

q

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6.1 Keys and Certificates

The relationship between keys, certificates, and signatures for SDA is shown in Figure 6–1.
Figure 6–1: SDA Key Relationships

Issuer

Certification Authority (Visa)

Acquirer

Initial Setup

Issuer Private Key - SK I

Issuer Public Key - PK I

Visa CA Private Key SKCA

Visa CA Public Key PKCA

Visa CA Public Key PKCA

Issuer PK Certificate (PKI signed w/ SKCA )

Terminal

Personalized on each Card

Signed Applic. Data (signed) with SKI)

Issuer PK Certificate

ICC Card Application

Transaction

ICC Card Application

READ RECORD response containing Issuer CA PK Index Issuer PK Certificate Signed Applic. Data

Terminal

- Uses PKCA to recover PKI from Issuer PK Cert. - Uses PKI to recover Signed Applic. Data

6.1.4 DDA Key, Certificate, and Signature Relationships
The same issuer public/private key pair and Issuer PK Certificate are used for DDA and SDA. For DDA, a unique ICC public/private key pair is required for each card. The ICC Public Key and a hash of static data is signed with the Issuer Private Key to form an ICC Public Key (PK) Certificate, which is personalized on the card. The ICC Private Key is also personalized in a secure card location.

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0 The relationship between the data and the cryptographic keys for DDA is shown in Figure 6–2.PK I Certificate Authority (Visa) Visa CA Private Key SKCA Visa CA Public Key PKCA Acquirer Visa CA Public Key PKCA Terminal Issuer PK Certificate (PKI signed w/ SKCA ) Personalized on each card ICC Private Key . Issuer PK Certificate. INTERNAL AUTHENTICATE* or GENERATE AC** response with Dynamic Signature * INTERNAL AUTHENTICATE fcommand for Standard DDA ** GENERATE AC command for Combined DDA/AC Generation Terminal . Version 1.Uses PKCA to get PKI from Issr PK Cert.Validates static data hash in ICC PK Cert. .SK ICC ICC Public Key .Calculates Dynamic Signature using SK ICC .PK ICC Issuer PK Certificate ICC Public Key Cert (PKICC signed w/ SKI) Card Transaction Card READ RECORD response with CA PK Index.Validates Dynamic Signature using PK ICC Draft 12/18/00 6–6 Visa Public 31 Oct 2001 .SK I Issuer Public Key . .Offline Data Authentication Visa Integrated Circuit Card Application Overview.4. & ICC PK Certtificate Terminal Card INTERNAL AUTHENTICATE* or first GENERATE AC** command .Uses PKI to get PKICC from ICC PK Cert. Figure 6–2: DDA Data—Key Relationships Issuer Initial Setup Issuer Private Key .

Table 6–1: Offline Data Authentication Processing Priority Card Application Interchange Profile indicates card support for: SDA SDA Standard DDA SDA Standard DDA Combined DDA/AC Generation Terminal Supports SDA SDA SDA Terminal Supports SDA and Standard DDA SDA Standard DDA Terminal Supports SDA. Standard DDA.0 6. Table 6–1 indicates the method of offline data authentication to be performed based on card and terminal support. Standard DDA next. Version 1.4.Visa Integrated Circuit Card Application Overview.2 Determining Whether to Perform SDA or DDA 6. and SDA next.2 Determining Whether to Perform SDA or DDA Only one method of Offline Data Authentication is performed during any transaction with Combined DDA/AC Generation given highest priority. and Combined DDA/AC Generation SDA Standard DDA SDA Standard DDA Combined DDA/AC Generation Draft 12/18/00 31 Oct 2001 Visa Public 6–7 .

Table 6–3: Card Data Used in SDA Description Each Visa Public Key used for offline data authentication in SDA is identified by the Certificate Authority Public Key Index (PKI) in conjunction with the RID portion of the AID. the terminal validates important card data described in Table 6–2 and Table 6–3 to assure that this card data has not been altered. The exponent used in the RSA algorithm to recover the PK Certificate. which does not fit into the Issuer Public Key Certificate. which contains a hash of important card data. with the Certificate Authority Private Key. the Issuer Public Key Remainder contains the portion of the Issuer Public Key. If required. The Issuer Public Key Certificate contains the Issuer Public Key signed with the Visa CA Private Key. which has been signed.Offline Data Authentication Visa Integrated Circuit Card Application Overview. Used with the RID to designate which Visa CA Public Key to use for offline data authentication.3 Static Data Authentication (SDA) When SDA is performed. Version 1. The SAD is a signature enciphered with the Issuer Private Key. A portion of the Application Identifier that identifies the Payment System. Data Element Certificate Authority (CA) Public Keys Certificate Authority (CA) Public Key Index (PKI) Registered Application Identifier (RID) Terminal Verification Results (TVR) Status of processing functions as seen from the terminal perspective. An internal indicator set and saved by the card if SDA fails and the transaction is declined offline.0 6.4. Data Element Certificate Authority Public Key Index (PKI) Issuer Public Key Certificate Issuer Public Key Exponent Issuer Public Key Remainder SDA Failure Indicator Signed Static Application Data (SAD) Draft 12/18/00 6–8 Visa Public 31 Oct 2001 . Table 6–2: Terminal Data Used in SDA Description The Payment System public keys stored in the terminal and used to recover the Issuer PK Certificate from the card.

3. Verification of the Signed Static Application Data The terminal uses the Issuer Public Key to recover the Signed Static Application Data that contains the hash of card data calculated at personalization. the data may have been altered and SDA has failed. Retrieval of the Issuer Public Key The terminal uses the Visa CA Public Key to recover the Issuer Public Key from the Issuer PK Certificate. Version 1.0 6. If SDA fails.Visa Integrated Circuit Card Application Overview. 4.3. The following summarizes the processing by the terminal.1 SDA Processing The card performs no processing during SDA. 1. Draft 12/18/00 31 Oct 2001 Visa Public 6–9 .4. The format of the Issuer PK Certificate is validated. Retrieval of the Certification Authority Public Key The terminal uses the Certification Authority Public Key Index (PKI) and the RID from the card to retrieve the terminal-stored Visa CA Public Key and related information. This hash is compared to the hash in the recovered data. The terminal calculates a hash of the actual data elements. the terminal sets indicators in the TVR to show SDA results and to use in later processing to determine the disposition of the transaction. SDA Results If all of steps above are executed successfully. SDA passes. If the hashes are not equal. 2.3 Static Data Authentication (SDA) 6.

Offline Data Authentication Visa Integrated Circuit Card Application Overview. and SAD Terminal READ RECORD response Retrieve Visa CA Public Key using RID and Public Key Index Recover Issuer Public Key from Issuer PK Certificate using Visa CA Public Key Use Issuer Public Key to recover a hash of static application data from the SAD Calculate hash from Static data used for signing and compare to recovered hash Set SDA failed in the TVR if any of the above steps are not successful Draft 12/18/00 6–10 Visa Public 31 Oct 2001 . Issuer Public Key Certificate. Version 1.0 Figure 6–3: Processing Flow for SDA Card Response to Read Record contains Visa CA Public Key Index.4.

With Combined DDA/AC Generation. the signed data includes the Application Cryptogram.1 Data Elements for DDA Processing The terminal uses the SDA terminal data and the additional data for DDA described in Table 6–4. Draft 12/18/00 31 Oct 2001 Visa Public 6–11 . Table 6–4: Terminal Data Used in DDA Data Element Default Dynamic Data Authentication Data Object List (default DDOL) Unpredictable Number Description If the card does not provide a DDOL.Visa Integrated Circuit Card Application Overview. The card signs the terminal challenge data and dynamic data from the card with the ICC Private Key to generate a digital signature called the Signed Dynamic Application Data.4 Dynamic Data Authentication (DDA) 6.4. An unpredictable. transaction-unique number generated by the terminal and sent to the card in the INTERNAL AUTHENTICATE command. The terminal deciphers the signature from the card using the ICC Public Key. 6. Recovered data is compared to actual data to determine whether DDA passes. which has been recovered from the ICC PK Certificate. This request uses the INTERNAL AUTHENTICATE command for Standard DDA and the first GENERATE AC command for Combined DDA/AC Generation.4. Version 1.4 Dynamic Data Authentication (DDA) If offline DDA is to be performed. Successful DDA means that card data has not been altered and that the card is not counterfeit. The card sends this dynamic signature to the terminal. the terminal validates static data from the card using the Issuer’s Public Key and the Visa CA Public Key in a process similar to SDA.0 6. the terminal uses a default DDOL containing the tag for the terminal unpredictable number. the terminal requests a dynamic signature from the card. After validating the static data.

With Combined DDA/AC Generation if an ARQC or TC is returned. the ICC Public Key Remainder contains the portion of the ICC Public Key that does not fit into the ICC Public Key Certificate.Offline Data Authentication Visa Integrated Circuit Card Application Overview. Table 6–5: Card Data Used in DDA Data Element DDA Failure Indicator Description An internal indicator set and saved by the card if Standard DDA fails and the transaction is declined offline.4.0 All of the SDA data except for the Signed Static Application Data is also used for DDA. it is validated as part of the dynamic signature. The ICC Public Key Certificate contains the ICC Public Key signed with the Issuer Private Key. the data described in Table 6–5 is used for DDA. Information on the type of cryptogram provided by the card and validated by terminal in Combined DDA/AC Generation. The exponent used in the RSA algorithm to recover the ICC PK Certificate. Used by the card to generate a dynamic signature. List of tags for terminal data objects to be passed to the card in DDA processing. Cryptogram Information Data Draft 12/18/00 6–12 Visa Public 31 Oct 2001 . Version 1. Table 6–6: Card Data Used in Combined DDA/AC Generation Data Element Application Cryptogram Description A 3DES cryptogram returned by the card in the GENERATE AC response. the data described in Table 6–6 is used. If required. In addition. ICC Private Key ICC Public Key Certificate ICC Public Key Exponent ICC Public Key Remainder All of the data elements used in Standard DDA data except for the DDOL are also used for Combined DDA/AC Generation. In addition. Dynamic Data Authentication Data Object List (DDOL) ICC Dynamic Number A unique number generated by the card and validated by the terminal as part of the dynamic signature in Combined DDA/AC Generation.

1. If a terminal-generated hash of the actual dynamic data does not match the recovered hash. The card passes the dynamic signature to the terminal. Version 1. the card generates a dynamic signature by encrypting a hash of the terminal and card dynamic data with the ICC Private Key.4.Visa Integrated Circuit Card Application Overview. which is listed as optional in Europay. Draft 12/18/00 31 Oct 2001 Visa Public 6–13 . Retrieval of the ICC Public Key The terminal uses the Issuer Public Key to decrypt the ICC PK Certificate that contains the ICC Public Key and a hash of static application data.4. is not supported in this version of the Visa Integrated Circuit Card Specification. The terminal validates the hash by comparing it to a hash of the actual data. If the hashes are not equal. DDA fails. The format of the Issuer PK Certificate is validated. Validation of the Certificate Serial Number. 2. Retrieval of the Certification Authority Public Key The terminal uses the Certification Authority Public Key Index (PKI) and the RID from the card to retrieve the terminal-stored Visa CA Public Key and related information. MasterCard.2 Standard DDA Processing This processing is performed by the terminal except for the card generation of the dynamic signature. Dynamic Signature Verification (Standard DDA only) The terminal decrypts the dynamic signature using the ICC Public Key. and Visa (EMV) specifications. Upon receiving the INTERNAL AUTHENTICATE command. 3.4 Dynamic Data Authentication (DDA) 6. 5. which was recovered from the ICC PK Certificate. DDA fails. The following summarizes this processing. Retrieval of the Issuer Public Key The terminal uses the Visa CA Public Key to recover the Issuer Public Key from the Issuer PK Certificate.0 6. 4. Dynamic Signature Generation (Standard DDA only) The terminal passes the card an INTERNAL AUTHENTICATE command that includes dynamic challenge data.

the card signs the Application Cryptogram and related data with the ICC Private Key and returns this dynamic signature in the GENERATE AC response. Dynamic Signature Verification (Combined DDA/AC Generation only) During Card Action Analysis if the first GENERATE AC response contains a TC or ARQC.0 6. Draft 12/18/00 6–14 Visa Public 31 Oct 2001 . the transaction is declined offline. If the signature is successfully recovered. Version 1. The requesting and validation of this cryptogram involves the following steps: 1. the first GENERATE AC command indicates that Combined DDA/AC Generation is to be performed. the terminal deciphers the dynamic signature using the ICC Public Key recovered in Step 3.4. If the signature recovery fails. The terminal requests the dynamic cryptogram using the first GENERATE AC command. The INTERNAL AUTHENTICATE command is not used. the terminal performs Standard DDA Steps 1 through 3.4.Offline Data Authentication Visa Integrated Circuit Card Application Overview. 2. Dynamic Signature Generation (Combined DDA/AC Generation only) If the terminal is requesting an online cryptogram (ARQC) or offline approval cryptogram (TC) during Terminal Action Analysis. processing continues based upon the type of cryptogram received. If the card decides that the Application Cryptogram is a TC or ARQC.3 Combined DDA/AC Generation Processing For Combined DDA/AC Generation.

Visa Integrated Circuit Card Application Overview. Version 1.0 Figure 6–4: Processing Flow for DDA 6.4 Dynamic Data Authentication (DDA) Card Terminal Retrieve Visa CA Public Key using RID and CA Public Key Index Recover Issuer Public Key from Issuer PK Certificate using Visa CA Public Key Recover hash and ICC Public Key from ICC PK Certificate using Issuer Public Key Calculate hash from Static data used for signing and compare to recovered hash Standard DDA Only Calculate dynamic signature using ICC Private Key INTERNAL AUTHENTICATE command INTERNAL AUTHENTICATE response with dynamic signature Send INTERNAL AUTHENTICATE and dynamic data to card Validate dynamic signature using ICC Public Key Set DDA results in the TVR if DDA fails Draft 12/18/00 31 Oct 2001 Visa Public 6–15 .4.

Offline Data Authentication Visa Integrated Circuit Card Application Overview. Version 1. This data includes the data required for the supported Offline Data Authentication methods.6 Subsequent Related Processing Terminal Action Analysis The terminal uses the Offline Data Authentication results and card and terminal parameters to determine whether the transaction should be declined offline. Draft 12/18/00 6–16 Visa Public 31 Oct 2001 . the transaction is declined offline. Online Processing Combined DDA/AC Generation When the returned Application Cryptogram is in a dynamic signature. the terminal sets the Combined DDA/AC Generation indicator in the GENERATE AC command. Card Action Analysis SDA and Standard DDA The card sets an indicator in the CVR if SDA failed on a previous transaction and the transaction was declined offline. the terminal continues processing based upon the Application Cryptogram. the terminal deciphers the signature using the ICC Private Key. The AFL and the Static Data Authentication Tag List designate the data to be used to validate the static data hash in the Signed Static Application Data during SDA and in the ICC PK Certificate during DDA. sent online for authorization. If the decipherment is successful.0 6. the card returns ARQC and TC Application Cryptograms in a dynamic signature signed with the ICC Private Key.5 Prior Related Processing Read Application Data The terminal reads application data from the card. or approved offline.4. If the decipherment fails. Combined DDA/AC Generation If the GENERATE AC command received from the terminal indicates that Combined DDA/AC Generation is to be performed. If SDA or DDA failed and the transaction is to be declined offline. A similar CVR indicator is set if DDA failed on a previous transaction and the transaction was declined offline. 6. When Combined DDA/AC Generation is to be performed and the transaction is to be sent online or approved offline. the SDA Failure Indicator or DDA Failure Indicator is set.

the transaction is declined offline with no second GENERATE AC requested. the card may reset the SDA Failure Indicator and DDA Failure Indicator based upon Issuer Authentication options and results. Draft 12/18/00 31 Oct 2001 Visa Public 6–17 . If SDA or DDA failed and the transaction is to be declined offline because an online authorization could not be completed.4. the SDA Failure Indicator or DDA Failure Indicator is set.Visa Integrated Circuit Card Application Overview.0 6. a second GENERATE AC command requesting an AAC is sent to the card. Combined DDA/AC Generation If Combined DDA/AC Generation failed and the Application Cryptogram returned was an ARQC. If Combined DDA/AC Generation failed and the Application Cryptogram returned was a TC.6 Subsequent Related Processing Completion After an online authorization. Version 1.

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3 Application Version Number 7.4 Application Usage Control 7.1 Card Data 7. and conditions at the point of transaction. This chapter contains the following sections: 7.8 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 7–1 .6 Application Expiration Date 7.Processing Restrictions 7 The Processing Restrictions function is performed by the terminal using data elements from the terminal and the card. effective and expiration dates.7 Prior Related Processing 7.2 Terminal Data 7. The terminal shall support checks on application versions.5 Application Effective Date 7.

4. The Issuer Country Code is a Europay. The Application Expiration Date is the date after which use of the application is no longer permitted. Appendix A. The Application Effective Date is the date when the application becomes activated for use.Processing Restrictions Visa Integrated Circuit Card Application Overview.1 Card Data The card data elements used in Processing Restrictions are listed and described in Table 7–1. It is used in Application Usage Control checking by the terminal. Card and Issuer Data Elements Table. Version 1. This data element indicates any restrictions set forth by the issuer on the geographic usage and services permitted for the card application. Application Usage Control (AUC) Issuer Country Code Application Effective Date Application Expiration Date Draft 12/18/00 7–2 Visa Public 31 Oct 2001 . MasterCard. and Visa (EMV) specification data element indicating the country of the card issuance. It is used in application version number checking by the terminal. For a detailed description of these elements and their usage.0 7. It is used in Application Usage Control checking by the terminal. Table 7–1: Processing Restrictions—Card Data Data Element Application Version Number Description This data element (tag “9F08”) indicates the version of the application on the card. refer to the Visa Integrated Circuit Card Specification. Cards complying with this specification should use the value of 140 AUC is an optional data element.

For a detailed description of these elements and their usage. This is the local date (in the terminal) on which the transaction processing is taking place. This data element indicates the country in which the terminal is located. verification of the cardholder. Terminal Capabilities Terminal Country Code Transaction Date Transaction Type Draft 12/18/00 31 Oct 2001 Visa Public 7–3 .2 Terminal Data 7. It is used in Application Usage Control checking by the terminal.2 Terminal Data The card data elements used in Processing Restrictions are listed and described in Table 7–2. Table 7–2: Processing Restrictions—Terminal Data Data Element Application Version Number Description This data element (terminal tag ‘9F09’) indicates the version of the application In the terminal. Appendix A. It is used in Application Usage Control checking by the terminal. Card and Issuer Data Elements Table. and security. refer to the Visa Integrated Circuit Card Terminal Specification. This data element indicates the type of financial transaction. Indicates the capabilities of the terminal in regard to card data input.0 7. Terminals complying with this specification should use the value of 140. It is used in Application Usage Control checking by the terminal. It is used in application effective and expiration date checks by the terminal.4. Version 1.Visa Integrated Circuit Card Application Overview.

0 7.4. These checks are similar to service code checks performed for magnetic stripe transactions and include checks for restrictions on the following transactions: q Domestic – – – – Cash Goods Services Cashback q International – – – – Cash Goods Services Cashback q ATM Other than ATM q 7. Version 1. Application Effective Data checking is mandatory for the terminal if the data element is present in the card. If they are not the same.5 Application Effective Date Application Effective Date checking ensures that the application is active by validating that the card’s Application Effective Date if present is less than or equal to the terminal’s local Transaction Date.3 Application Version Number The terminal compares the Application Version Number in the card to the Application Version Number in the terminal to see if they are the same. Presence of the Application Effective Data is optional for the card. the terminal indicates in the TVR that the application is not yet effective. 7.4 Application Usage Control Application Usage Control checking is a process in which the terminal checks various conditions at the point of transaction to determine if processing should continue. Draft 12/18/00 7–4 Visa Public 31 Oct 2001 . If the effective date is greater than the Transaction Date.Processing Restrictions Visa Integrated Circuit Card Application Overview. the terminal indicates in the Terminal Verification Results (TVR) that the application versions differ.

6 Application Expiration Date Application Expiration Date checking validates that the application has not expired by ensuring that the card’s Application Expiration Date is greater than or equal to the terminal’s local Transaction Date. Version 1.4.0 7.6 Application Expiration Date 7. Draft 12/18/00 31 Oct 2001 Visa Public 7–5 . If the Application Expiration Date is less than the Transaction Date.Visa Integrated Circuit Card Application Overview. the terminal indicates in the TVR that the application has expired.

4.Processing Restrictions Visa Integrated Circuit Card Application Overview. Version 1.0 Figure 7–1: Processing Restrictions Card Application Version Number for card and terminal present? Terminal Y N Application Version Numbers Identical? Y N Terminal sets ICC and terminal have different application versions bit to “1” in TVR Application Usage Control and Issuer Country Code present? Y Do any restrictions apply? Y Terminal sets requested service not allowed for card product bit to “1” in TVR N N Application Effective Date < Current Date? N Terminal sets application not yet effective bit to “1” in TVR Y Application Expiration Date > Current Date? N Terminal sets expired aplication bit to “1” in TVR Y Terminal proceeds to cardholder verification Draft 12/18/00 7–6 Visa Public 31 Oct 2001 .

7 Prior Related Processing 7.8 Subsequent Related Processing Terminal Action Analysis During Terminal Action Analysis. the terminal checks the Issuer Action Codes and Terminal Action Codes to see what action should be taken if application versions differ. Issuer Country Code. if present. and Application Expiration Date from the card. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 7–7 .Visa Integrated Circuit Card Application Overview.7 Prior Related Processing Read Application Data The terminal uses the READ RECORD command to obtain the Application Version Number.0 7. 7. cards are not yet effective or expired. or the requested service is not allowed for the card product. and Application Effective Date are also read from the card. The AUC.4.

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and the capabilities of the terminal. such as biometric methods. CVM processing is designed to support additional CVMs. In Cardholder Verification. the validation of the PIN is done within the card. The results of CVM processing play a role in later processing. The CVM List also specifies the terminal action if the CVM fails. The terminal uses rules in the card’s CVM List to select the CVM to be used. The selection criteria in the CVM List may include the type of transaction (cash or purchase). CVMs supported are: q Offline Plaintext PIN Offline Enciphered PIN Online PIN Signature q q q Signature may be combined with the Offline PIN validation methods. as they are adopted. Draft 12/18/00 31 Oct 2001 Visa Public 8–1 . Offline PIN results are included in the online authorization message and should be considered in the issuer’s authorization decision. the transaction amount. the terminal determines the cardholder verification method (CVM) to be used and performs the selected CVM.Cardholder Verification 8 Cardholder Verification is used to ensure that the cardholder is legitimate and the card is not lost or stolen. With the Offline PIN methods.

4 Processing 8. Version 1.2 Terminal Data 8.6 Subsequent Related Processing Draft 12/18/00 8–2 Visa Public 31 Oct 2001 .3 Commands 8.0 This chapter is separated into the following sections: 8.Cardholder Verification Visa Integrated Circuit Card Application Overview.4.5 Prior Related Processing 8.1 Card Data 8.

4. offline PIN. with each entry containing the following subfields: Description Designates the action to take if the CVM fails.Visa Integrated Circuit Card Application Overview. Appendix A. A CVM List contains the following: q Amount X—An amount that may be used in CVM usage conditions Amount Y—A second amount that may be used in CVM usage conditions CVM entries—The CVM List may contain more than one entry. Chapter 8.1 Card Data 8. A card may contain multiple CVM Lists for use in different circumstances such as international and domestic transactions. if the terminal supports the CVM Type (offline PIN). This indicator must be set to “1”. Cardholder Verification. for example.1 Card Data The terminal uses the card data described in Table 8–1 and Table 8–2 for CVM List processing. Card and Issuer Data Elements Table.0 8. for an example showing how issuers might define a CVM List. q q Subfield CVM Code CVM Type CVM Conditions Refer to the Visa Integrated Circuit Card Specification. Conditions when this CVM entry should be used. A detailed description of these card data elements and their usage is in the Visa Integrated Circuit Card Specification. A prioritized list of methods of cardholder verification for the card application. for example. Draft 12/18/00 31 Oct 2001 Visa Public 8–3 . Version 1. Choices are to process the next CVM entry or to fail CVM processing. The type of CVM to perform. Table 8–1: CVM List Processing—Card Data Data Element Application Interchange Profile (AIP) Cardholder Verification Method (CVM) List Description Contains an indicator showing whether the card supports cardholder verification.

Contains indicators. Version 1.Cardholder Verification Visa Integrated Circuit Card Application Overview. which is stored in a secure location on the card.4. which the card sets for the following conditions: q Offline PIN verification performed Offline PIN verification failed PIN Try Limit exceeded Application blocked because PIN Try Limit exceeded q q q PIN Try Counter Number of offline PIN tries remaining. PIN Try Limit Reference PIN Draft 12/18/00 8–4 Visa Public 31 Oct 2001 . to take if offline PIN tries are exceeded. The card resets the PIN Try Counter to the PIN Try Limit when the cardholder-entered PIN matches the Reference PIN stored in the card or when a script command to reset the counter is successfully processed. The terminal may request the PIN Try Counter from the card prior to PIN entry so the terminal may determine whether the PIN tries have already been exceeded and notify the cardholder if only one PIN try remains. The card decrements the PIN Try Counter each time a cardholder-entered offline PIN fails verification. The cardholder PIN.0 Table 8–2: Offline PIN Processing—Card Data Data Element Application Default Action (ADA) Card Verification Results (CVR) Description A data element used by the card to determine what action. if any. Issuer-specified maximum number of consecutive incorrect PIN tries allowed for a single application.

Table 8–3: Offline Enciphered PIN—Card Data Data Element Certificate Authority Public Key Index (PKI) ICC PIN Encipherment or ICC Private Key ICC PIN Encipherment or ICC Public Key (PK) Certificate ICC PIN Encipherment or ICC Public Key Exponent ICC PIN Encipherment or ICC Public Key Remainder Issuer Public Key Data Description With the RID. Used by the terminal with the Certificate Authority Public Key Index to identify the Visa CA Public Key to be used to recover the Issuer PK Certificate. Used in the algorithm that deciphers the enciphered PIN.1 Card Data Support for Offline Enciphered PIN requires card-level RSA public/private key data. Offline Data Authentication). Contains the portion.4. of the public key that does not fit into the public key certificate. Contains the card’s public key to be used in PIN encipherment. Version 1. designates the Visa CA Public Key to use to recover the Issuer PK Certificate. Stored in a secret location on the card. Encrypted with the Issuer Private Key. The issuer may either generate an ICC PIN Encipherment public/private key pair to use solely for PIN encipherment or. This is the same certificate and other Issuer Public Key data used for DDA and SDA (see Chapter 6. Registered Application Provider Identifier (RID) Draft 12/18/00 31 Oct 2001 Visa Public 8–5 . if necessary.0 8. Used to decipher the ICC PIN Encipherment or ICC PK Certificate. Used to decipher the enciphered PIN after it is received at the card. The card shall contain the data elements described in Table 8–3 for whichever key pair is used. use the same ICC public/private key pair used for DDA.Visa Integrated Circuit Card Application Overview. if the card supports DDA.

Secret key used by the PIN pad to encipher the entered offline PIN and by the card reader to decipher the enciphered PIN. Version 1. Draft 12/18/00 8–6 Visa Public 31 Oct 2001 . Appendix A. Must be present if the terminal supports Offline Enciphered PIN. PIN pad present. Indicators are set in the TVR for the following conditions: q Terminal Capabilities Terminal Verification Results (TVR) Cardholder verification was not successful Unrecognized CVM PIN Try Limit exceeded PIN entry required and PIN pad not present or not working PIN entry required. but PIN was not entered Online PIN entered q q q q q Transaction Personal Identification Number (PIN) Visa CA Public Keys Contains data entered by the cardholder for PIN verification.4.2 Terminal Data The terminal data described in Table 8–4 is used during CVM processing.Cardholder Verification Visa Integrated Circuit Card Application Overview. Table 8–4: CVM Processing—Terminal Data Data Element Enciphered Personal Identification Number (PIN) Data Personal Identification Number (PIN) Pad Secret Key Description Transaction PIN enciphered at the PIN pad for online verification or for offline verification. Card and Issuer Data Elements Table. A detailed description of these data elements and their usage is in the Visa Integrated Circuit Card Terminal Specification. Indicates the CVMs supported by the terminal.0 8. This key is different from the key used for Offline Enciphered PIN. This key is required when the PIN pad and card reader are not integrated into a single tamper-evident device.

The GET DATA command contains the tag of the PIN Try Counter. If the PIN Try Counter is in a proprietary data file. The card response indicates one of the following conditions: q The PINs match The PINs do not match and the number of PIN tries remaining is “n”.0 8. The GET CHALLENGE response contains a card-generated unpredictable number.Visa Integrated Circuit Card Application Overview.4.3 Commands 8. The card and terminal support the GET CHALLENGE command if they support Offline Enciphered PIN. the card returns an error response to GET DATA and the terminal bypasses the checking of the PIN Try Counter and continues with Offline PIN processing. GET CHALLENGE Used by the terminal to obtain an unpredictable number from the card for use in Offline Enciphered PIN. VERIFY Used for Offline Enciphered PIN and Offline Plaintext PIN. If “n” is equal to “0”. Draft 12/18/00 31 Oct 2001 Visa Public 8–7 . PIN tries have been exceeded on the current transaction The PIN tries were exceeded on a previous transaction q q The card and terminal support the VERIFY command if they support Offline PIN processing. Version 1. The VERIFY command contains the cardholder-entered PIN and initiates the card comparison of this PIN with the Reference PIN stored on the card.3 Commands The following commands are used for offline PIN processing: GET DATA Used by the terminal to obtain the PIN Try Counter from the card in order to determine whether the PIN Try Limit was exceeded on a previous transaction or is close to being exceeded. The GET DATA response contains the PIN Try Counter.

the terminal proceeds with the action specified in the CVM Code in the CVM entry. the terminal shall perform the Visa-specified method of cardholder verification for the terminal. Version 1. b.0 8. Processes the CVM List entries—Starting with the first entry in the CVM List.Cardholder Verification Visa Integrated Circuit Card Application Overview. Draft 12/18/00 8–8 Visa Public 31 Oct 2001 . d. 2.” the terminal processes the next CVM List entry. 8. c. 3. the terminal proceeds to Terminal Risk Management.4 Processing Cardholder Verification processing is divided into two parts: the processing of the card’s CVM List and the execution of the CVMs specified in the CVM List. The CVM is considered not successful. CVM processing fails—The terminal sets the Cardholder Verification Not Successful flag in the TVR to “1” and proceeds to Terminal Risk Management. If none is specified. the terminal proceeds to the next CVM List entry. If the CVM is not recognized or is not supported. If it is “fail CVM.1 CVM List Processing The card has no role in CVM List processing beyond providing the CVM List and other required data to the terminal.4. Offline PIN verification failure). If the condition is not satisfied. If CVM Code is “proceed to next CVM. e. If the terminal reaches the end of the CVM List without a successful CVM. If not. the terminal proceeds to Terminal Risk Management.4. the terminal sets Unrecognized CVM to “1” in the TVR. The terminal performs the following steps: 1. Performs the CVM specified. If the CVM is successful. Checks whether the CVM Condition is satisfied. Determines whether to perform Cardholder Verification—If the card supports Cardholder Verification (as indicated in the AIP and if the card provided a CVM List during Read Application Data. If the CVM is not successful (for example. the terminal continues with Cardholder Verification.” the terminal sets the Cardholder Verification Not Successful flag to “1” in the TVR and proceeds to Terminal Risk Management. the terminal performs the following actions: a.

4.0 Figure 8–1: CVM List Processing Flow 8.4 Processing Card Card supports cardholder verification? Terminal Terminal uses default CVM according to Visa Operating Regulations C N Y CVM = No CVM Required? Y Card provided CVM List? Terminal sets chip data missing in TVR N D N Y A Terminal selects first CVM in CVM List CVM Code = go to next CVM? N N CVM List condition satisfied? Y Any more CVM entries? Terminal recognizes & supports CVM? N Terminal sets unrecognized CVM code in TVR Y N Y CVM is signature. Version 1.Visa Integrated Circuit Card Application Overview. Terminal prints receipt w/ signature line Y CVM = Fail CVM? B N Terminal selects next CVM in CVM List Y B Terminal sets “cardholder verification not successful” in TVR A CVM = PIN? Y Perform PIN Processing (Figure 8-2) D N Terminal proceeds to Terminal Risk Management C Draft 12/18/00 31 Oct 2001 Visa Public 8–9 .

Draft 12/18/00 8–10 Visa Public 31 Oct 2001 . If there are PIN tries remaining.4.0 8. The enciphered PIN is included in the VERIFY command to the card. the terminal proceeds to PIN entry. the card checks a Transaction PIN entered by the cardholder against a Reference PIN stored in the card. The card recovers the plaintext PIN from the enciphered PIN using a secret RSA key stored on the card. and cardholder verification is complete. the terminal requests the cardholder to enter a PIN at the PIN pad.2 Offline Enciphered PIN Offline Enciphered PIN processing works the same as Offline Plaintext PIN processing except that the cardholder-entered Transaction PIN is enciphered at the PIN pad or terminal and remains enciphered until the card receives it. If the PIN Try Counter returned is one.2. With Offline Plaintext PIN. which the terminal uses in an RSA algorithm to encipher the PIN. To encipher the PIN.4. q If they match. the PIN is enciphered with the PIN Pad Secret Key and deciphered by the card reader. Offline PIN processing fails. q 8. If the PIN Try Counter returned is zero (no more PIN tries left).4. If they do not match. If the card does not support transmitting the PIN Try Counter.1 Offline Plaintext PIN In Offline PIN processing. The card compares the Transaction PIN to the Reference PIN stored on the card. Version 1. the terminal requests that the cardholder enter the PIN again and repeats the verification process.4. the terminal displays “Last PIN Try”.2. the Offline PIN is not included in the online authorization message. If PIN tries remain.Cardholder Verification Visa Integrated Circuit Card Application Overview. Verification of the deciphered PIN is the same as with Offline Plaintext PIN processing. the terminal issues a GET CHALLENGE command to the card. if the transaction is processed online. The Offline PIN results are included in the online authorization message. Offline PIN fails. the card returns an indicator that the Offline PIN has been verified. The card returns an unpredictable number.2 CVM Processing 8. – – If no PIN tries remain. Unlike Online PIN. If the PIN pad and card reader are not integrated into a single tamper-evident device. The cardholder-entered Transaction PIN is passed in the clear from the card reader to the card using the VERIFY command. the card decrements the PIN Try Counter and returns an indicator of the number of PIN tries remaining. the terminal may issue a GET DATA command to the card requesting the PIN Try Counter.

Draft 12/18/00 31 Oct 2001 Visa Public 8–11 .4 Signature When signature is the CVM. which are outside the scope of this document. CVM processing is considered to be successful. the issuer may either generate a card-unique ICC PIN Encipherment key pair or may use the same ICC key pair used for DDA.4. 8.4.6 Fail CVM When the CVM is “Fail CVM”.2.0 8. 8.3 Online PIN With Online PIN processing.2.4. 8. Version 1.4. Online PIN processing follows current procedures. the terminal prints a receipt with a line for the cardholder to sign.5 No CVM Required When the CVM is “No CVM Required”.4.4 Processing In support of this process. the PIN is enciphered after entry and is included in the online authorization message for verification by the issuer’s online system.2.Visa Integrated Circuit Card Application Overview. CVM processing is considered to have failed.2. 8.

Figure 8–2: PIN Processing Flow (1 of 2) Card Perform PIN Processing Terminal CVM is online or offline PIN Is PIN PAD operable? N Perform CVM Code action (see A in Figure 8-1) Y Type of PIN? Offline or Online PIN? Offline PIN Online PIN Offline PIN Card allows GET DATA of PIN Try Counter? GET DATA command Issue GET DATA command requesting PIN Try Counter (optional step) return from A on next page) Y Offline PIN Processing Online PIN N Response to GET DATA is “Not Supported” Get Data response Response to GET DATA is PIN Try Counter Y PIN Try Counter returned and = 0? N Prompt for PIN Entry Encipher PIN and include in authorization request PIN entered? Terminal proceeds to Terminal Risk Management (Chapter 9) Y Perform CVM Code action (see A in Figure 8-1) N Perform CVM Code action (see A in Figure 8-1) Draft 12/18/00 8–12 Visa Public 31 Oct 2001 . Version 1.4.0 The following flow gives an overview of the steps in PIN processing.Cardholder Verification Visa Integrated Circuit Card Application Overview.

block applic” = 1? N Set VERIFY return code to Successful Completion Y N Set VERIFY return code to Fail with retries remaining Return VERIFY command response to terminal Card blocks application Terminal proceeds to Terminal Risk Management (Chapter 9) B Draft 12/18/00 31 Oct 2001 Visa Public 8–13 . number & ICC PIN Encipherment (or ICC) Public Key N (Plaintext PIN) Enciphered PIN? N PIN Try Limit Already Exceeded? VERIFY command w/ PIN Issue VERIFY command with PIN Y Decipher PIN using ICC PIN Encipherment (or ICC) Private Key N VERIFY successful? B Decrement PIN Try Counter by 1. number Encipher PIN using unpred.0 Figure 8–3: PIN Processing Flow (2 of 2) 8.4. Version 1.Visa Integrated Circuit Card Application Overview. N Entered PIN = Reference PIN? Y N PIN Try Limit Exeeded? Y PIN Try Limit Exceeded? N Reset PIN Try Counter to PIN Try Limit Set VERIFY return code to Fail with no retries remaining Perform CVM Code action VERIFY response Y Return to PIN Prompt Figure 8-2 Y A Y ADA “If PIN Try Limit exceeded.4 Processing Card Terminal Offline PIN Processing Card generates unpredictable number GET CHALLENGE command Y Offline Enciphered PIN? GET CHALLENGE response w/ unpred.

5 Prior Related Processing Initiate Application Processing The Application Interchange Profile (AIP). the card uses cardholder verification results and parameters in Application Default Action to determine whether to decline the transaction. or approved offline. is retrieved from the card. Issuer-to-Card Script Processing The PIN CHANGE/UNBLOCK command can be used to reset the PIN Try Counter to equal the PIN Try Limit and to change the Reference PIN.Cardholder Verification Visa Integrated Circuit Card Application Overview.0 8. The APPLICATION UNBLOCK command can be used to unblock an application that was blocked during CVM processing. 8. Completion After a failed attempt to go online for an authorization.6 Subsequent Related Processing Terminal Action Analysis The terminal uses cardholder verification results and card and terminal parameters called IACs and TACs to determine whether the transaction should be declined offline. Card Action Analysis The card uses cardholder verification results and parameters in Application Default Action to determine whether to decline the transaction or go online for authorization when the PIN Try Limit is exceeded. Draft 12/18/00 8–14 Visa Public 31 Oct 2001 .4. Read Application Data The terminal reads the CVM List and other data used in CVM processing from the card. Online Processing CVM results including Offline PIN verification results are included in the authorization request and should be considered in the Issuer’s authorization decision. The Offline PIN is not included in the online authorization message. which indicates whether the card supports cardholder verification. Version 1. sent online.

6 Floor Limit Checking 9. terminals shall perform Terminal Risk Management regardless of the card settings.3 GET DATA Command 9.2 Terminal Data 9.1 Card Data 9.4 Terminal Exception File 9.5 Merchant Forced Transaction Online 9.Terminal Risk Management 9 Terminal Risk Management provides issuer authorization for higher-value transactions and ensures that chip-read transactions go online periodically to protect against threats that might be undetectable in an offline environment. This chapter is organized into the following sections: 9.10 Prior Related Processing 9.11 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 9–1 . Although issuers are mandated to set the Terminal Risk Management is to be Performed bit to “1” in the Application Interchange Profile (AIP) to trigger Terminal Risk Management.9 New Card Checking 9.8 Terminal Velocity Checking 9.7 Random Transaction Selection 9.

4. The ATC value of the last transaction that went online.0 9. Card and Issuer Data Elements Table. this data element and both of the data elements listed below must be present. Appendix A. If terminal velocity checking or new card checking by the terminal is required by the card. refer to the Visa Integrated Circuit Card Specification. Table 9–1: Terminal Risk Management—Card Data Data Element Application Primary Account Number (PAN) Application Transaction Counter (ATC) Last Online ATC Register Description Valid cardholder account number used in terminal exception file checking. It is used in terminal velocity checking.Terminal Risk Management Visa Integrated Circuit Card Application Overview.1 Card Data The card data elements used in Terminal Risk Management are listed and described in Table 9–1. This data element (tag “9F14”) is the Issuer-specified preference for the maximum number of consecutive offline transactions allowed before a transaction must be sent online if the terminal is online capable. A count of the number of transactions processed by the card since personalization. It is used in terminal velocity checking. This data element (tag “9F23”) is the Issuer-specified preference for the maximum number of consecutive offline transactions allowed before transactions must be declined offline. Version 1. For a detailed description of these elements and their usage. Lower Consecutive Offline Limit Upper Consecutive Offline Limit Draft 12/18/00 9–2 Visa Public 31 Oct 2001 . It is used in terminal velocity checking.

Version 1. The number of transactions to be stored and maintenance of the log is outside the scope of this specification. This log. It is used to record the results of all terminal risk management checks. Maximum Target Percentage to be used for Biased Random Selection Target Percentage to be used for Random Selection Terminal Floor Limit Value used for random selection of transactions for online processing. Appendix A. Authorized Description This numeric data element stores the amount (excluding adjustments) for the current transaction. Value used for random selection of transactions for online processing. refer to the Visa Integrated Circuit Card Terminal Specification. It is used in floor limit checking. Indicates the functions performed by the terminal. Card and Issuer Data Elements Table. This log minimally contains the Application PAN and transaction amount and optionally contains the Application PAN Sequence Number and Transaction Date. if present.2 Terminal Data 9. For a detailed description of these elements and their usage.2 Terminal Data The terminal data elements used in Terminal Risk Management are listed and described in Table 9–2.4. A series of indicators in which the results of offline processing from a terminal perspective are recorded. the terminal may have a transaction log of approved transactions. Table 9–2: Terminal Risk Management—Terminal Data Data Element Amount. It is used in floor limit checking and random selection of transactions for online processing. Transaction Status Information (TSI) Draft 12/18/00 31 Oct 2001 Visa Public 9–3 .Visa Integrated Circuit Card Application Overview. This data element (tag ‘9F1B’) indicates the floor limit in the terminal associated with the Application Identifier for the application. may be used in terminal floor limit checking. Terminal Verification Results (TVR) Threshold Value for Biased Random selection Transaction Log To prevent split sales. This data element is not provided in the online authorization and clearing messages but is used by the terminal to indicate that terminal risk management was performed. Value used for random selection of transactions for online processing.0 9.

the terminal sets the Merchant Forced Transaction Online bit to “1” in the TVR. If the terminal contains a transaction log. Even when the floor limit is zero. If the merchant forces the transaction online. Authorized to the Terminal Floor Limit. Draft 12/18/00 9–4 Visa Public 31 Oct 2001 .4 Terminal Exception File If a terminal exception file is present.7 Random Transaction Selection Terminals capable of supporting both offline and online transactions shall randomly select transactions for online processing. the merchant may indicate to the terminal that the transaction should be processed online. The terminal indicates in the TVR if a transaction is randomly selected. Chapter 9. Examples of this processing are provided in the Visa Integrated Circuit Card Terminal Specification. 9.6 Floor Limit Checking Floor limit checking is performed so that transactions of amounts above the terminal floor limit are sent online for authorization. the terminal sets the Card Appears on Terminal Exception File bit to “1” in the Terminal Verification Results (TVR). from the card. 9. 9. If the transaction amount is greater than or equal to the floor limit. the terminal checks whether the Primary Account Number (PAN) on the card is listed on the exception file. The terminal compares the Amount.0 9. the terminal performs this check and sets the Transaction Exceeds Floor Limit bit to “1” in the TVR. If the card is listed on the exception file. if not previously read by the terminal. Version 1. the terminal sets the Transaction Exceeds Floor Limit bit to “1” in the TVR.Terminal Risk Management Visa Integrated Circuit Card Application Overview.3 GET DATA Command The GET DATA command is used by the terminal to read the Last Online ATC Register and the Application Transaction Counter (ATC). Terminal Risk Management.4.5 Merchant Forced Transaction Online At online-capable terminals. the terminal checks whether the amounts from a previous transaction from the same card combined with the current amount put the transaction over the floor limit. 9.

the terminal sets the Upper Consecutive Offline Limit Exceeded bit to “1” in the TVR. The terminal compares the ATC and the Last Online ATC Register: q If the ATC minus the Last Online ATC Register is greater than the Lower Consecutive Offline Limit. the terminal sets the New Card bit to “1” in the TVR. This register is reset during Completion after an online approval based on Issuer Authentication results and card parameters. If either of these data objects is not present in the card. 9. the terminal sets the Lower Consecutive Offline Limit Exceeded bit to “1” in the TVR. the terminal shall bypass this processing. Velocity checking by the card does not result in the setting of the TVR bits. Offline-capable terminals shall support Terminal Velocity Checking. NOTE: The card may also perform a similar new card check during Card Action Analysis Draft 12/18/00 31 Oct 2001 Visa Public 9–5 . If the register is zero. If the ATC minus the Last Online ATC Register is greater than the Upper Consecutive Offline Limit. The card responds to the GET DATA command with the Last Online ATC Register. Version 1. the terminal checks the Last Online ATC Register if provided by the card.8 Terminal Velocity Checking 9. if the Upper and Lower Consecutive Offline Limits are present. The terminal checks the Last Online ATC Register. The terminal sends the GET DATA command to the card requesting the Last Online ATC Register (if this data element is not already present in the terminal). The card returns these data elements in the command response. The terminal shall perform Terminal Velocity Checking if both the Lower Consecutive Offline Limit (tag “9F14”) and Upper Consecutive Offline Limit (tag “9F23”) are provided by the card in Read Application Data processing.Visa Integrated Circuit Card Application Overview.9 New Card Checking In new card checking by the terminal. q NOTE: The card may also perform similar velocity checks during Card Action Analysis.8 Terminal Velocity Checking Velocity checking permits issuers to request online processing after a prespecified number of consecutive offline transactions. Issuers may elect not to support velocity checking by the terminal.4. The terminal sends a GET DATA command to the card requesting the Last Online ATC Register and the ATC.0 9.

0 Figure 9–1: Terminal Risk Management Processing Flow (1 of 2) Card Terminal A Terminal exception file present? Transaction log present in terminal? Y Y Card appears on exception file? N N Log Entry Present that matches current transaction? Y Amount. authorized + amount in log > terminal floor limit? Y N N Y Terminal sets card appears on terminal exception file bit to “1” in TVR Transaction amount > terminal floor limit? Y Terminal sets transaction exceeds floor limit bit to “1” in TVR N N Merchant elected to force transaction online? Terminal randomly selects transaction for online processing? Y Terminal sets transaction selected randomly for online processsing bit to “1” in TVR Y N Terminal sets merchant forced transaction online bit to “1” in TVR N B A Draft 12/18/00 9–6 Visa Public 31 Oct 2001 . Version 1.4.Terminal Risk Management Visa Integrated Circuit Card Application Overview.

4.Visa Integrated Circuit Card Application Overview.9 New Card Checking Card B Terminal Lower and Upper Consecutive Offline Limits read by terminal? Y Card responds to GET DATA command with ATC and Last Online ATC Register GET DATA command GET DATA response Terminal issues GET DATA to obtain ATC and Last Online ATC Register N Both ATC and Last Online ATC Register returned? N Terminal sets ICC Data Missing bit to “1” in TVR Y ATC minus Last Online ATC Register > Lower Consecutive Offline Limit? Terminal sets both Lower Consecutive Offline Limit Exceeded and Upper Consecutive Offline Limit Exceeded bits to “1” in TVR Y Terminal sets Lower Consecutive Offline Limit Exceeded bit to “1” in TVR N ATC minus Last Online ATC Register > Upper Consecutive Offline Limit N Y Terminal sets Upper Consecutive Offline Limit Exceeded bit to “1” in TVR Last Online ATC Register =0 Y Terminal sets New Card bit in TVR N Terminal proceeds to Terminal Action Analysis (Chapter 10) Draft 12/18/00 31 Oct 2001 Visa Public 9–7 .0 Figure 9–2: Terminal Risk Management Processing Flow (2 of 2) 9. Version 1.

Version 1.10 Prior Related Processing Read Application Data The following data is read from the card: q Primary Account Number is used in checking the terminal exception file. the terminal determines what action to take if: q The card was on terminal exception file The merchant forced the transaction online The floor limit is exceeded The transaction is randomly selected for online processing Velocity checking amounts or counters are exceeded New card q q q q q Draft 12/18/00 9–8 Visa Public 31 Oct 2001 . Upper and Lower Consecutive Limits. are used in Terminal Velocity Checking.0 9. if present on the card.11 Subsequent Related Processing Terminal Action Analysis Based on card and terminal settings.4.Terminal Risk Management Visa Integrated Circuit Card Application Overview. q 9.

4 Processing 10. or be declined offline. This chapter is organized into the following sections: 10.5 Prior Related Processing 10. Request Cryptogram Processing—The terminal requests a cryptogram from the card. the card may override the terminal’s decision. Review Offline Processing Results—The terminal reviews the results of offline processing. or sent online for an authorization.6 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 10–1 . This process considers issuer-defined criteria from the card called Issuer Action Codes (IACs) and Visa-defined criteria in the terminal called Terminal Action Codes (TACs).1 Card Data 10. As a result of Card Action Analysis (see Chapter 11. declined offline.Terminal Action Analysis 10 In Terminal Action Analysis. be approved offline.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command 10. to determine whether the transaction should go online.2 Terminal Data 10. Decisions to decline offline may not be overridden. Card Action Analysis). recorded by the terminal in the Terminal Verification Results. Terminal Action Analysis involves two steps: 1. the terminal applies rules set by the issuer in the card and by the acquirer in the terminal to the results of offline processing to determine whether the transaction should be approved offline. A decision for an offline approval or request for online processing made during Terminal Action Analysis is not final. 2.

Each IAC consists of a series of bits. Appendix A. Table 10–2: Request Cryptogram Processing—Card Data Data Element Card Risk Management Data Object List 1 (CDOL1) Description The CDOL1 contains the tags and lengths of the terminal data objects that are needed by the card to generate the first application cryptogram and for other processing. Version 1. Table 10–1: Review Offline Processing Results—Card Data Data Element Issuer Action Codes (IACs) Description The IACs are three data elements called IAC Denial. IAC Online. contains detailed descriptions of these elements and their usage. q IAC Denial bits set to “1” reflect the TVR conditions for which the transaction is to be declined offline IAC Online bits set to “1” represent online authorization conditions IAC Default bits set to “1” are the conditions for an offline decline if online processing is not available q q Similar codes called Terminal Action Codes (TACs) are defined in the terminal. The card data element shown in Table 10–2 is used in cryptogram processing. Card and Issuer Data Elements Table.4. and IAC Default. Draft 12/18/00 10–2 Visa Public 31 Oct 2001 . The Visa Integrated Circuit Card Specification.1 Card Data The card data elements described in Table 10–1 were previously received from the card and are used during Terminal Action Analysis.0 10.Terminal Action Analysis Visa Integrated Circuit Card Application Overview. which correspond to the bits in the Terminal Verification Results (TVR).

Terminal Verification Results (TVR) The TVR is a series of bits. which correspond to the bits in the Terminal Verification Results (TVR).0. Draft 12/18/00 31 Oct 2001 Visa Public 10–3 .2 Terminal Data The Visa Integrated Circuit Card Terminal Specification.Visa Integrated Circuit Card Application Overview.2 Terminal Data 10. Version 1. Card and Issuer Data Elements Table. The terminal data elements described in Table 10–3 are used to review offline processing results. each TAC consists of a series of bits. Like the IACs. which are set during transaction processing to represent offline processing results.0 10. Appendix A. Chapter 10. contains detailed descriptions of these elements and their usage. and TAC Default. Version 1. The terminal data elements described in Table 10–4 are used in cryptogram processing.4. TAC Online. q TAC Denial bits set to “1” reflect the TVR conditions for which the transaction is to be declined offline TAC Online “1”bits represent online authorization conditions TAC Default “1” bits are the conditions for an offline decline if online processing is not available q q The required TAC settings are defined by Visa in the Visa Integrated Circuit Card Terminal Specification.4. Table 10–3: Review Offline Processing Results—Terminal Data Data Element Terminal Action Codes (TACs) Description The TACs are three data elements called TAC Denial. Table 10–4: Request Cryptogram Processing—Terminal Data Data Element Terminal Data Elements Description The terminal data elements specified in the CDOL1 from the card are included in the GENERATE APPLICATION CRYPTOGRAM (AC) command.

Draft 12/18/00 10–4 Visa Public 31 Oct 2001 . Version 1. or be declined offline. This process uses issuer-defined criteria from the card called IACs and Visa-defined criteria in the terminal called TACs. The Visa Integrated Circuit Card Terminal Specification. Terminal Action Analysis.4 Processing Terminal Action Analysis processing has two steps: q The review of offline processing results The request for an Application Cryptogram q 10. it proceeds to Card Action Analysis. be approved offline.Terminal Action Analysis Visa Integrated Circuit Card Application Overview. When the card receives the GENERATE AC command.1 Review Offline Processing Results The terminal reviews the results of offline processing to determine whether the transaction should go online.4.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command The terminal sends a GENERATE AC command to the card to request an application cryptogram.0 10. The command designates one of the following types of application cryptograms: q Transaction Certificate (TC)—For an approval Application Authentication Cryptogram (AAC)—For a decline Authorization Request Cryptogram (ARQC)—To go online q q The command also includes the terminal data objects requested by the card in the CDOL1. Chapter 10. 10. The terminal also indicates in this command if Combined DDA/AC Generation is to be performed.4. The command response is not returned during Terminal Action Analysis. contains an example of how IACs and TACs are used with the Terminal Verification Results (TVR) to determine transaction disposition.

4 Processing 10. Draft 12/18/00 31 Oct 2001 Visa Public 10–5 . The outcome from the Review Offline Processing step determines the type of cryptogram to request: q Approve offline—TC (Transaction Certificate) Go online for authorization—ARQC (Authorization Request Cryptogram) Decline offline—AAC (Application Authentication Cryptogram) q q The terminal also indicates in this command if Combined DDA/AC Generation is to be performed. Version 1.0 10.4.2 Request Application Cryptogram The second phase of Terminal Action Analysis involves requesting an Application Cryptogram from the card.4.Visa Integrated Circuit Card Application Overview.

0 10. Version 1.4.3 Processing Flow Figure 10–1 shows how Terminal Action Analysis might be performed.4.Terminal Action Analysis Visa Integrated Circuit Card Application Overview. Figure 10–1: Terminal Action Analysis Flow Card Any transaction conditions which card or terminal have set to Decline? Terminal N Any transaction conditions that the card or terminal have set to Decline if no online? Y Y Online capable terminal? N Y Any transaction conditions which card or terminal have set for Online Auth? N N Y Cryptogram type = ARQC (Send Online) Cryptogram type = TC (Approve) Cryptogram type = AAC (Decline) Proceed to Card Action Analysis (See Chapter 11) GENERATE AC command with CDOL1 data Request cryptogram from card Draft 12/18/00 10–6 Visa Public 31 Oct 2001 .

Draft 12/18/00 31 Oct 2001 Visa Public 10–7 .6 Subsequent Related Processing Card Action Analysis During Card Action Analysis.0 10. These bit settings are used with the IACs and TACs during Terminal Action Analysis to determine transaction disposition. the card performs additional risk management to determine whether to override the terminal’s Terminal Action Analysis decision to approve offline or send online.5 Prior Related Processing 10. Cardholder Verification. This data includes the CDOL1 and the IACs.4. and Terminal Risk Management These offline functions set bits in the TVR based upon the results of processing.5 Prior Related Processing Read Application Data The terminal reads application data from the card. 10.Visa Integrated Circuit Card Application Overview. Processing Restrictions. Offline Data Authentication. Version 1.

.

4 Processing 11. Visa proprietary card risk management features described in this section include checking: q Activity on previous transactions New card Velocity counters q q This chapter is organized into the following sections: 11.7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 11–1 .5 Flow 11.1 Card Data 11.2 Terminal Data 11.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command 11.Card Action Analysis 11 Card Action Analysis allows issuers to perform velocity checking and other risk management that is internal to the card.6 Prior Related Processing 11.

4.2 Terminal Data No terminal data is used during Card Action Analysis. 11. refer to the Visa Integrated Circuit Card Specification. Appendix A.1 Card Data The card data elements used in Card Action Analysis are listed and described in Table 11–1. for a list of data required. For a detailed description of these elements and their usage. Appendix E.Card Action Analysis Visa Integrated Circuit Card Application Overview. Table 11–1: Card Action Analysis—Card Data Data Element Application Cryptogram Description A cryptogram returned by the card in the response to the GENERATE APPLICATION CRYPTOGRAM (AC) command. Version 1. Cryptogram Versions Supported. Card and Issuer Data Elements Table. 11.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command The GENERATE APPLICATION CRYPTOGRAM (AC) command is used by the terminal to request that the card provide a cryptogram indicating the card’s authorization response. The terminal also indicates in this command whether Combined DDA/AC Generation is to be performed. q An Application Authentication Cryptogram returned for declines is known as an AAC A Transaction Certificate returned for approvals is known as a TC An Authorization Request Cryptogram returned when online processing is requested is known as an ARQC q q Data Requested in Card Risk Management Data Object List (CDOL1) The terminal provides the data requested by the card in the CDOL1.0 11. Refer to the Visa Integrated Circuit Card Specification. Draft 12/18/00 11–2 Visa Public 31 Oct 2001 .

4.0 11. 11. contains the Cryptogram Type. This Cryptogram Type indicates the terminal’s transaction decision (approve offline. the terminal issues the GENERATE AC command to the card to request an application cryptogram and to provide data requested by the card in the CDOL1.1 Card Risk Management The card performs the following Card Risk Management checks if supported by the card and the required data is available: q Activity on previous transactions: – – – – – – Online authorization not completed Issuer Authentication failure on last online transaction SDA failure on last transaction DDA failure on last transaction Issuer script processed on last transaction PIN Try Limit exceeded on previous transaction q New card check Velocity checks to see whether offline processing limits have been exceeded for: – – – – – Total consecutive offline transactions Total consecutive offline international transactions based on currency Total consecutive offline international transactions based on country Total cumulative offline transaction amount in designated currency Total offline transaction amount in the designated currency and a designated secondary currency q Draft 12/18/00 31 Oct 2001 Visa Public 11–3 .4 Processing 11.4. This processing is described in Chapter 10. The GENERATE AC command. The GENERATE AC command received from the terminal also indicates if Combined DDA/AC Generation is to be performed. Terminal Action Analysis. Version 1.4 Processing At the end of Terminal Action Analysis. decline offline.Visa Integrated Circuit Card Application Overview. which the card receives from the terminal. which the terminal is requesting. send online).

4. Table 11–2: Card Response to GENERATE AC Command Card Responds AAC Decline ARQC — TC — Terminal Requests AAC ARQC Decline Go Online — TC Decline Go Online Approve 11. decline offline.1 Standard Response to GENERATE AC The card generates a DES-based cryptogram utilizing the data provided by the terminal and data from the card. Version 1. The DES key requirements and the algorithms used in the cryptogram generation process are detailed in the Visa Integrated Circuit Card Specification.4. Draft 12/18/00 11–4 Visa Public 31 Oct 2001 .Card Action Analysis Visa Integrated Circuit Card Application Overview.2 Card Response Decision Based on the results of this card risk management. send online).2. The card returns this cryptogram to the terminal in the GENERATE AC response. The card’s response may override the terminal’s decision indicated by the Cryptogram Type: q The card may override the terminal’s decision to approve offline by deciding to either send online or decline offline.0 11. The card may override the terminal’s decision to go online by deciding to decline offline. Cryptogram Versions Supported. q These decision rules are shown in Table 11–2. Data requirements are detailed in the Visa Integrated Circuit Card Specification. Authentication Keys and Algorithms. the card determines a transaction response. Appendix E.4. The Cryptogram Type in this response indicates the card’s decision for transaction disposition (approve offline. Appendix D.

0 11. Draft 12/18/00 31 Oct 2001 Visa Public 11–5 .2 Response to GENERATE AC for Combined DDA/AC Generation If the terminal has indicated in the GENERATE AC command that Combined DDA/AC Generation is to be performed and the card is returning a TC or an ARQC in the response to GENERATE AC.4. The card returns the signed data to the terminal in the response to GENERATE AC.4 Processing 11. Version 1.Visa Integrated Circuit Card Application Overview. Cryptogram Information Data and other data with the ICC Private Key. the card encrypts the Application Cryptogram.4.2.

4. Version 1. ARQC or TC) for the first time Sets indicators based upon results Checks new card & velocity .Issuer Authen.Cons. decline. Offline Txn.Cons. failed .5 Flow Figure 11–1: Card Action Analysis Checks previous transaction processing: . Amount (Dual Currency) Uses above results to determine card response (approve.0 11. or go online) D Y Y Terminal Requested Decline (AAC)? N Card Response = Decline (AAC) Terminal requested Go Online (ARQC)? N Terminal requested approval (TC) Y D Y Card Response = Decline (AAC)? N GEN AC response = Go Online (ARQC) Y Card Response = Go Online (ARQC)? N Combined DDA/AC Generation? GEN AC response = Approve (TC) N Y Create Dynamic Signature of ARQC or TC D Respond to GENERATE AC First GENERATE AC response Terminal proceeds to Online Processing Draft 12/18/00 11–6 Visa Public 31 Oct 2001 .Cum.Card Action Analysis Visa Integrated Circuit Card Application Overview.Cum.Cons.SDA or DDA failed . Offline Txns (Int'l—Country) . Offline Transactions . Offline Txns (Int'l) . Offline Txn.Online Auth not completed .Issuer Script processed Card First GENERATE AC command Terminal Terminal during Terminal Action Analysis requests a cryptogram (AAC. Amount .

The card also performs the following card risk management checks to determine final transaction disposition: q Velocity checking for total consecutive offline transactions (Upper Limit) New card Offline PIN verification not performed q q Draft 12/18/00 31 Oct 2001 Visa Public 11–7 . 11. but the terminal was unable to send the transaction online. additional card and terminal processing is performed. The terminal performs additional analysis (similar to Terminal Action Analysis) using the Issuer Action Code (IAC) Denial and Terminal Action Code (TAC) Denial to determine which cryptogram (AAC or TC) to request in the final GENERATE AC command. Version 1.7 Subsequent Related Processing Completion If online processing was requested.0 11.Visa Integrated Circuit Card Application Overview.6 Prior Related Processing 11.6 Prior Related Processing Read Application Data The terminal reads the Card Risk Management Data Object List 1 (CDOL1) from the card.4.

Online Processing

12

Online Processing allows the issuer’s host computer to review and authorize or decline transactions using the issuer’s host-based risk management parameters. In addition to performing traditional online fraud and credit checks, host authorization systems may perform Online Card Authentication using a card-generated dynamic cryptogram and should consider offline processing results in the authorization decision. The response from the issuer may include post-issuance updates to the card and an issuer-generated cryptogram, which the card can validate to assure that the response came from the valid issuer. This validation is called Issuer Authentication. This chapter describes the card and terminal online processing functions, which are new with Visa Smart Debit and Visa Smart Credit (VSDC). Online processing functions, which are also performed with magnetic stripe-read and key-entered transactions, are outside the scope of this document and not described. This chapter is organized in the following manner: 12.1 Card Data 12.2 Terminal Data 12.3 Online Request and Response Data 12.4 Commands 12.5 Processing 12.6 Prior Related Processing 12.7 Subsequent Related Processing

Draft 12/18/00
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Visa Public

12–1

Online Processing

Visa Integrated Circuit Card Application Overview, Version 1.4.0

12.1 Card Data
The terminal uses the card data described in Table 12–1 during Online Processing. The Visa Integrated Circuit Card Specification, Appendix A, Card and Issuer Data Elements Table, contains a detailed description of card data elements and their usage.
Table 12–1: Online Processing—Card Data

Data Element
GENERATE APPLICATION CRYPTOGRAM (AC) response data

Description
This response data includes the following:
q

Cryptogram Type (an Authorization Request Cryptogram (ARQC) if transaction is to be authorized online) Application Cryptogram Application Transaction Counter (ATC) Issuer Application Data

q

q

q

Application Interchange Profile (AIP)

The AIP received during Initiate Application Processing contains a bit that indicates whether the card supports Issuer Authentication.

The card uses the card data described in Table 12–2 during Issuer Authentication.
Table 12–2: Online Processing Issuer Authentication—Card Data

Data Element
Authorization Request Cryptogram (ARQC)

Description
The cryptogram generated by the card earlier in the transaction. The ARQC and the Authorization Response Code are the input to the Authorization Response Cryptogram (ARPC) validation process. The DES keys used for ARPC validation. These are the same keys used to generate the ARQC. Contains a bit that is set if Issuer Authentication fails. A bit that is set if Issuer Authentication fails.

Unique DEA Keys (UDK)

Card Verification Results (CVR) Issuer Authentication Failure Indicator

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31 Oct 2001

Contains a bit that is set when Issuer Authentication is performed. which is used to validate the Authorization Request Cryptogram (ARQC) generated by the card. Version 1.4. The Visa Integrated Circuit Card Terminal Specification. Chapter 12. Online Processing.2 Terminal Data 12. Table 12–4: Online Processing—Online Response Data Data Element Issuer Authentication Data Description Issuer Authentication Data has two components: q Authorization Response Cryptogram (ARPC). The online response may contain the data described in Table 12–4. which is an Issuer-generated cryptogram to be validated by the card Authorization Response Code. which is the response value to be used in the validation of the ARPC q Issuer Script Contains issuer updates to the card.0 12. contains a detailed description of these data elements and their usage. The VSDC data elements to be transmitted from the terminal are listed in the Visa Integrated Circuit Card Terminal Specification. Draft 12/18/00 31 Oct 2001 Visa Public 12–3 . 12.2 Terminal Data The terminal data described in Table 12–3 is updated with the Issuer Authentication status. Table 12–3: Online Processing—Terminal Data Data Element Terminal Verification Results (TVR) Transaction Status Information (TSI) Description Contains a bit that is set when Issuer Authentication is unsuccessful.Visa Integrated Circuit Card Application Overview. Card and Issuer Data Elements Table.3 Online Request and Response Data The online authorization request includes the data required for magnetic stripe transactions as well as additional VSDC data. Appendix A.

4. Version 1.4 Commands The following commands are used during Online Processing: GENERATE APPLICATION CRYPTOGRAM (AC) Command Response The terminal receives the card’s response to the GENERATE APPLICATION CRYPTOGRAM (AC) command. which contains the Application Cryptogram. The card returns the GENERATE AC response at the end of Card Action Analysis. Draft 12/18/00 12–4 Visa Public 31 Oct 2001 . The GENERATE AC command is sent to the card during Terminal Action Analysis. The GENERATE AC command may indicate that Combined DDA/AC Generation be performed. The response is received by the terminal at the beginning of Online Processing.Online Processing Visa Integrated Circuit Card Application Overview. which is included in the command. the terminal issues the EXTERNAL AUTHENTICATE command with the Issuer Authentication Data requesting that the card validate the Authorization Response Cryptogram (ARPC). The response from the card indicates whether Issuer Authentication passed or failed. the response is a dynamic signature. If the response is an ARQC or a TC and Combined DDA/AC Generation is performed.0 12. The response includes the first Application Cryptogram and the Cryptogram Type. EXTERNAL AUTHENTICATE Command If Issuer Authentication is to be performed.

the terminal proceeds to the Completion function.0 12. q q 12. 12. the terminal transmits an online authorization request message.5.2 Online Response After the online request message is successfully transmitted to the issuer. If the hash matches.1.1 Online Request Online request processing differs depending on whether Combined DDA/AC Generation has been requested.5. or both. to be validated using Issuer Authentication to prove that the response came from the valid issuer. If the card does not respond with an ARQC or the terminal is unable to send the transaction online. the terminal performs Issuer Authentication. If Combined DDA/AC Generation is to be performed.5 Processing Standard Online Processing includes processing the online request. If the online response contains the Issuer Authentication Data and the card supports Issuer Authentication.2 Standard Online Processing If the card returns an ARQC to the terminal in the GENERATE AC response and the terminal has the capability to go online.Visa Integrated Circuit Card Application Overview. the terminal proceeds to the Completion function. If the hash does not match the terminal indicates in the TVR that Combined DDA/AC Generation failed and proceeds to Completion.1 Combined DDA/AC Generation Processing If Combined DDA/AC Generation indicated in the GENERATE AC command and the cryptogram returned is an ARQC or a TC. which may include an issuer script containing updates to the card parameters or a cryptogram. standard online processing is performed. Otherwise. and optionally performing Issuer Authentication. the terminal receives the online response message. Draft 12/18/00 31 Oct 2001 Visa Public 12–5 . 12.4. Version 1. the terminal performs the following processing: q The terminal deciphers the dynamic cryptogram using the recovered ICC Public Key to recover the Application Cryptogram.5. processing includes validation of the dynamic signature.1. 12. processing the online response.5 Processing 12.5.

Version 1.Online Processing Visa Integrated Circuit Card Application Overview. q Draft 12/18/00 12–6 Visa Public 31 Oct 2001 . Both the card and terminal record Issuer Authentication results: q The card sets Issuer Authentication results in the Card Verification Results (CVR) and the Issuer Authentication Failure Indicator and returns the results to the terminal in the EXTERNAL AUTHENTICATE response.3 Issuer Authentication The terminal transmits an EXTERNAL AUTHENTICATE command to the card instructing the card to perform Issuer Authentication.5.0 12. the Authorization Response Code from the issuer.4. The card validates the ARPC using the ARQC generated previously by the card. and the Unique DEA Keys (UDK) stored in a secret location on the card. The terminal sets Issuer Authentication results in the Terminal Verification Results (TVR) and the Transaction Status Information (TSI) before proceeding to the Completion function.

Version 1. approve offline.4.5 Processing 12. and returns results EXTERNAL AUTHENTICATE command Y Issuer Authentication to be performed? EXTERNAL AUTHENTICATE command response Terminal sets Issuer Auth. AC requested? Terminal proceeds to Completion (see chapter 13) Y Valid Dynamic Signature? N Terminal indicates in TVR DDA/AC Generation failed Online Response Online Response Perform online authorization processing and return response A N N Y ARQC returned? Y Send transaction online for authorization Card performs Issuer Authentication.0 12. and the issuer’s host system for Online Processing. the terminal.Visa Integrated Circuit Card Application Overview. sets IA results indicators.5. or decline offline Terminal GENERATE AC command response Y Online Authorization Systems A AAC (decline cryptogram) returned? N Combined DDA/Gen. Figure 12–1: Online Processing Flow Card Card Action Analysis (see Chapter 11) Card sets cryptogram to send online.4 Processing Flow Figure 12–1 shows the interaction between the card. results indicators N Terminal proceeds to Completion (see chapter 13) Draft 12/18/00 31 Oct 2001 Visa Public 12–7 .

If an ARQC was requested by the card and Combined DDA/AC Generation was performed and failed. Issuer-to-Card Script Processing If the online response contains an Issuer Script. If a TC was requested by the card and Combined DDA/AC Generation was performed and failed the terminal declines the transaction.6 Prior Related Processing Card Action Analysis The card sets the Cryptogram Type to an ARQC if an online authorization is to be done.0 12. an AAC (decline cryptogram) is requested by the terminal in the final GENERATE AC. Draft 12/18/00 12–8 Visa Public 31 Oct 2001 . these post-issuance updates are applied. the card uses Issuer Authentication results and card parameters to help determine the disposition of the transaction and whether to reset certain counters and indicators. 12.7 Subsequent Related Processing Completion During Completion.Online Processing Visa Integrated Circuit Card Application Overview. Version 1.4.

If a TC was requested by the card and Combined DDA/AC Generation was performed and failed the terminal declines the transaction with a Z1 Response Code. indicators and counters may be reset based upon Issuer Authentication results and card options. the terminal and card perform additional analysis to determine whether the transaction should be approved or declined offline.Completion 13 The terminal and the card perform Completion to conclude transaction processing. such as allowing the cardholder signature to be verified. The terminal may perform additional Completion functions if they do not interfere with the Completion functions defined in the VIS card and terminal volumes. the terminal requests an AAC (decline cryptogram) in the second GENERATE AC. Completion includes the following actions: q If online processing was requested and the terminal did not support online processing or the online authorization was unable to complete. After an online authorization. If Combined DDA/AC Generation was performed and failed the terminal processes as follows: – – If an ARQC was requested by the card. and capturing data for clearing. Draft 12/18/00 31 Oct 2001 Visa Public 13–1 . Indicators and counters are set to reflect what has occurred during transaction processing. q q An issuer’s online approval may be changed to a decline based upon Issuer Authentication results and card options. printing a receipt. q q The terminal may perform additional functions subsequent to Completion.

0 This chapter is organized as follows: 13.5 Flow 13.6 Prior Related Processing Draft 12/18/00 13–2 Visa Public 31 Oct 2001 .4 Processing 13.4.3 GENERATE Application Cryptogram (AC) Command 13. Version 1.Completion Visa Integrated Circuit Card Application Overview.1 Card Data 13.2 Terminal Data 13.

Card Verification Results (CVR) Draft 12/18/00 31 Oct 2001 Visa Public 13–3 . The Visa Integrated Circuit Card Specification.4.0 13. which the card returns to the terminal. Table 13–1: GENERATE AC Response Data Element Application Cryptogram (AC) Application Transaction Counter (ATC) Cryptogram Information Data Description The cryptogram generated by the card. including the CVR. Card and Issuer Data Elements Table.Visa Integrated Circuit Card Application Overview. The CVR is included in the clearing transaction as “proof” of card processing. which are set based upon the results of offline processing for current and previous transactions. A Visa proprietary data element containing indicators. Appendix A. Version 1.1 Card Data 13. Contains indicators for q The type of cryptogram: – An Application Authentication Cryptogram (AAC) for a decline – A Transaction Certificate (TC) for an approval – An Authorization Request Cryptogram (ARQC) when online processing is requested (first GENERATE AC only) q Other status information including Service Not Allowed Issuer Application Data Includes Visa discretionary data and issuer discretionary data for transmission to the Issuer. includes the card data elements described in Table 13–1.1 Card Data The second GENERATE AC command response. A count of card transactions. contains a detailed description of card data elements and their usage.

Chapter 12. contains a detailed description of these data elements and their usage. The GENERATE AC command contains the terminal data elements specified by the card in the CDOL2. Draft 12/18/00 13–4 Visa Public 31 Oct 2001 . Table 13–3: Completion—Terminal Data Data Element Authorization Response Code Description Provided to the card to indicate if the transaction is approved or declined and if the authorization was performed offline or online.0 The card uses the internal card data elements described in Table 13–2 during Completion.Completion Visa Integrated Circuit Card Application Overview. Completion. which was received by the terminal during Read Application Data. Other data elements used are listed in the Visa Integrated Circuit Card Specification. 13. from a terminal perspective. A list of data objects (tags and lengths) for the terminal to pass to the card with the second GENERATE AC command.3 GENERATE Application Cryptogram (AC) Command The GENERATE APPLICATION CRYPTOGRAM (AC) command is used by the terminal to request a final Application Cryptogram from the card. It may indicate that Combined DDA/AC Generation is to be performed. Appendix A.2 Terminal Data The terminal data elements described in Table 13–3 are used during Completion.4. The Visa Integrated Circuit Card Terminal Specification. Table 13–2: Completion—Card Data (Partial List) Data Element Application Default Action (ADA) CDOL2 Description A Visa proprietary data element indicating the action a card should take when exception conditions occur. such as SDA failure or floor limit exceeded. Terminal Verification Results (TVR) 13. Card and Issuer Data Elements Table. Version 1. Contains indicators that are set to record offline processing results.

4. or service not allowed.1. 13.Visa Integrated Circuit Card Application Overview.1 Terminal Determines Transaction Disposition The terminal processing during Completion varies based upon what has occurred during previous processing of the transaction: q At the end of Card Action Analysis.4.1 Transaction Authorized Offline When the card responds to the first GENERATE AC command in Card Action Analysis with a Transaction Certificate (TC) or an Application Authentication Cryptogram (AAC).0 13.4. the terminal indicates in the TVR that Combined DDA/AC Generation has failed. q q 13. If a TC was requested by the card and Combined DDA/AC Generation was performed and failed. Issuer discretionary data may also be provided. The terminal completes the transaction. and the CVR indicating processing results. the online authorization request may have: – – Completed successfully Not completed because the terminal did not support online processing or because an online response was not received.4 Processing The GENERATE AC response includes the card transaction counter. Version 1. the cryptogram type indicating the card’s authorization decision. Draft 12/18/00 31 Oct 2001 Visa Public 13–5 .4 Processing Completion involves three steps: q The terminal determines the transaction disposition and issues a second GENERATE AC command to the card if an online authorization was completed. the terminal completes the transaction offline. declined. the application cryptogram. 13. If the terminal requested in the GENERATE AC command that Combined DDA/AC Generation be performed and an AAC is returned by the card. The terminal displays a message indicating the action taken: approved. the card may have: – – Requested an offline approval or decline Requested an online authorization q During Online Processing. the terminal declines the transaction. The card determines the final transaction response and resets card indicators based card parameters and Issuer Authentication status.

the terminal requests an AAC in the second GENERATE AC command. System Technical Reference Volume 2.Completion Visa Integrated Circuit Card Application Overview.2 Online Authorization Completed Successfully If the online authorization was successfully completed.4. the terminal declines with a Z1 response code. 13. If the Authorization Response Code does not indicate approve or refer. Version 1.4. the terminal processes as follows: q If a TC was returned. the terminal uses the Issuer Action Code (IAC)—Default and the Terminal Action Code (TAC)—Default to determine the transaction disposition. the terminal issues a final GENERATE AC command to the card to request additional card analysis and a final Application Cryptogram. Terminal Action Analysis. q 13.0 If Combined DDA/AC Generation was performed and failed. This IAC and TAC processing is similar to the processing in Terminal Action Analysis described in Chapter 10.1. the terminal requests a decline. If the issuer has requested a referral. the terminal requests an approval (TC).4. q q For valid Authorization Response Codes (field 39) for approvals.3 Online Authorization Unable to Complete If the card requested online processing and the terminal does not support online processing or the online authorization did not complete. However.1. The terminal uses the Authorization Response Code received from the issuer in the online authorization response to determine the type of cryptogram to request from the card: q If the issuer has approved the transaction. the terminal requests an AAC. the terminal may request an approval (TC) if the issuer has requested a referral. If any TVR bits and the corresponding bit in the IAC or TAC are both “1”. it is recommended that the terminal request a decline (AAC). declines. Field and Code Descriptions. refer to the V.P. Draft 12/18/00 13–6 Visa Public 31 Oct 2001 . and referrals.I. If an ARQC is returned.

the card uses the final GENERATE AC Cryptogram Type and results from Issuer Authentication to determine the final transaction disposition: q AAC (Decline) Requested If the terminal requests a decline (AAC) in the final GENERATE AC command. Chapter 13. shown in Table 13–4.2 Card Responds to Final GENERATE AC Command The card uses the Authorization Response Code received from the terminal in the final GENERATE AC command to determine whether an online authorization was completed. the terminal issues the final GENERATE AC command to the terminal. the card updates indicators and counters as indicated in the Visa Integrated Circuit Card Specification. the card always returns an AAC in the response. Completion. which indicates that an online authorization was not completed. q 13.Visa Integrated Circuit Card Application Overview.2.4. The Cryptogram Type requested in the final GENERATE AC command indicates whether the transaction is to be declined (AAC) or approved (TC).1 Online Authorization Completed When the online authorization completed. q If the Authorization Response Code is one of the offline codes listed in Table 13–4. the online authorization was unable to complete or the terminal did not support online processing. If the Authorization Response Code is not one of the offline codes.0 13. Prior to responding to the terminal with an AAC. Table 13–4: Authorization Response Code for Offline Action Taken Terminal Requests TC AAC Authorization Response Code Y3 Z3 Transaction Disposition Unable to go online (offline approved) Unable to go online (offline declined) 13.4.4. the online authorization was completed. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 13–7 .4 Processing Based on the results of this processing. This command also includes an Authorization Response Code.

Refer to the Visa Integrated Circuit Card Specification.4.2. the card performs additional card risk management steps prior to responding to the terminal. was not performed.4. Version 1. the card responds with a decline (AAC). The card converts the approval to a decline if either of the following conditions is true: q Issuer Authentication failed and the ADA indicates that the transaction should be declined if Issuer Authentication fails Issuer Authentication is mandatory. Completion. for details on how indicators and counters are set and reset for these conditions.Completion Visa Integrated Circuit Card Application Overview. Draft 12/18/00 13–8 Visa Public 31 Oct 2001 . the card responds with an approval. the card responds with either an approval or a decline response based on the status of Issuer Authentication processing and card’s Issuer Authentication options.2 Online Authorization Unable to Complete When the Authorization Response Code in the final GENERATE AC indicates that online processing was requested but not completed. 13. the card responds with a decline (AAC). These steps are performed whether the terminal has requested an approval or decline. Chapter 13. – New Card If the card is a new card and the card’s Application Default Action (ADA) indicates that a new card transaction should be declined if it cannot be online authorized. – PIN Try Limit Exceeded on Previous Transaction If the PIN Try Counter is zero and the card’s ADA indicates that a transaction should be declined if the PIN Try Limit was exceeded on a previous transaction.0 q TC (Approval) Requested If the terminal requests an approval (TC) in the final GENERATE AC command. and the ADA indicates that the transaction should be declined if Issuer Authentication is mandatory and not performed q If neither of the above conditions is true. q Card Risk Management The card performs the following optional card risk management checks if they are supported and the required data elements are present in the card: – Velocity Checking for Total Consecutive Transactions (Upper Limit) This optional check causes the card to respond with a decline (AAC) if the upper limit for consecutive offline transactions has been exceeded.

4. s Draft 12/18/00 31 Oct 2001 Visa Public 13–9 . the terminal completes the transaction and displays a message indicating that the transaction was approved. s At an ATM. At a POS device. – Card Approved Transaction If the terminal requested a TC and the results of card risk management indicate that the transaction should be approved. Chapter 13.4 Processing q Card Response to Terminal The card responds to the final GENERATE AC command issued by the terminal as follows: – Card Declined Transaction If the terminal requested an AAC or the card risk management steps have determined that the card should decline the transaction. Completion. the ATM shall not display the balance. the terminal processes the Issuer Script.3 Terminal Completes Transaction Upon receipt of the card’s response to the GENERATE AC command. Issuer-toCard Script Processing). if present (see Chapter 14. Final terminal action is determined by the type of cryptogram the terminal requested and the response from the card in the final GENERATE AC: q Terminal requested a decline (AAC) in the final GENERATE AC The terminal completes the transaction and displays a message indicating that the transaction was declined. the terminal completes the transaction and displays a message indicating that the transaction was declined. the ATM shall transmit a reversal. the card updates internal counters and indicators according to the Visa Integrated Circuit Card Specification. if an online-approved purchase transaction is declined by the card because of an Issuer Authentication failure. If the card responds with an AAC.4. a reversal is required if the acquirer’s authorization system is single message or host-data-capture.0 13. Version 1. if an online-approved cash disbursement or account transfer transaction is declined by the card because of an Issuer Authentication failure. 13.Visa Integrated Circuit Card Application Overview. If a balance inquiry transaction is declined for the same reason. Chapter 13. q Terminal requested an approval (TC) in the final GENERATE AC – – If the card responds with a TC. and responds with an AAC. the card updates internal indicators and counters as described in the Visa Integrated Circuit Card Specification. Completion. and responds with a TC.

Code = Y3 or Z3 (Unable to go online)? N Card may convert online approval to a decline based on Issuer Authentication results Terminal requests AAC or TC in Final GENERATE AC Y Card performs card risk management checks for the upper offline limit.Completion Visa Integrated Circuit Card Application Overview.5 Flow Figure 13–1: Completion Card Terminal Terminal analyzes first GENERATE AC response Set Authorization Response Code to Y1 (approve) or Z1 (decline) based on card response and results of Combined DDA/AC Generation if performed Card returned ARQC? N Y A Transaction completed online? N Perform Terminal Action Analysis using IAC & TAC . Version 1.4.Default Y Set Authorization Response Code to Y3 (approval) or Z3 (decline) Card receives Final Generate AC Final GENERATE AC Command Set Application Cryptogram to TC (approval) or AAC (decline) Auth Resp. and PIN Try Limit exceeded previously Terminal receives Final GENERATE AC response Card may decline based upon card risk management results Card may reset counters and indicators based upon Issuer Auth results Terminal processes Issues Script if in auth. response Final GENERATE AC Response Terminal completes transaction A Card responds to Final GENERATE AC with TC (approve) or AAC (decline) Draft 12/18/00 13–10 Visa Public 31 Oct 2001 . new card.0 13.

0 13.4. the card performs Issuer Authentication processing and sets indicators for Issuer Authentication performed and successful or failed.Visa Integrated Circuit Card Application Overview. Version 1.6 Prior Related Processing 13. Draft 12/18/00 31 Oct 2001 Visa Public 13–11 . These indicators are used during Completion by the card in the response decision and in determining which card counters and indicators should be reset.6 Prior Related Processing Online Processing If the card receives an EXTERNAL AUTHENTICATE command from the terminal.

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Draft 12/18/00 31 Oct 2001 Visa Public 14–1 . The terminal passes these commands to the card where they are executed if security requirements are satisfied.Issuer-to-Card Script Processing 14 Issuer-to-Card Script Processing permits issuers to change personalized data on cards without card reissuance. Commands are supported for: q Updating card parameters Blocking or unblocking the application Blocking the card Unblocking the PIN Try Counter Changing the Offline PIN q q q q Issuer-to-Card Script Processing limits credit and fraud exposure by allowing blocking of overspent and stolen cards. Card parameters can be modified to correspond to changing cardholder circumstances. With this function. the issuer transmits commands in issuer scripts contained in the authorization response message.

Version 1.7 Processing Flow 14.9 Subsequent Related Processing Draft 12/18/00 14–2 Visa Public 31 Oct 2001 .3 Terminal Data 14.4 Online Response Data 14.2 Card Data 14.5 Commands 14.1 Script-Related Keys 14.8 Prior Related Processing 14.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview.6 Processing 14.0 This chapter is organized in the following manner: 14.4.

14.6. It is derived from the issuer’s MAC MDK.1 Script-Related Keys 14.1. Version 1.0 14.1. The ENC UDK is derived from the ENC MDK.2 Data Encipherment Keys The Data Encipherment Keys are used to encipher confidential issuer script data such as Offline PIN values during the transmission of the script from the issuer host computer to the card. The MAC UDK is used to generate a MAC Session Key during the transaction. 14.1 Message Authentication Code Keys The Message Authentication Code (MAC) keys are used in the generation and validation of the script command’s MAC. q q These MAC keys are required if the Visa recommended method of secure messaging is supported.1 Script-Related Keys The recommended secure messaging methods for Issuer-to-Card Script Processing mentioned in Section 14.Visa Integrated Circuit Card Application Overview. This encipherment process uses three keys: q Master Data Encipherment DEA Key (ENC MDK) is an issuer-unique double-length DES key. Unique Message Authentication Code Key (MAC UDK) is a double-length DES key personalized on the card. Unique Data Encipherment DEA Key (ENC UDK) is a double-length DES key personalized on the card and used to generate the Data Encipherment Session Key. The MAC MDK is used to generate the card’s Unique Message Authentication Code Key (MAC UDK) and the transaction’s MAC Session Key. The ENC MDK is used to generate the card’s Unique Data Encipherment DEA Key (ENC UDK) and the transaction’s Data Encipherment Session Key. q q Draft 12/18/00 31 Oct 2001 Visa Public 14–3 .4. The MACing process uses three keys: q Master Message Authentication Code Key (MAC MDK) is an issuer-unique double-length DES key.3 use the following card and issuer-based keys. Data Encipherment Session Key is a transaction-unique double-length DES key derived from the ENC MDK and used by the issuer host computer to encipher confidential data in the issuer script. The MAC is a cryptogram included in script commands that ensures that the command has not been altered (message integrity) and that the command came from the valid issuer (issuer authentication). The MAC Session Key is a transaction-unique double-length DES key used to generate and validate the script command’s MAC at the time of transaction.

Card and Issuer Data Elements Table. The CVR contains flags related to script processing. Issuer Script Command Counter Issuer Script Failure Indicator Draft 12/18/00 14–4 Visa Public 31 Oct 2001 . Appendix A. Table 14–1: Issuer-to-Card Script Processing—Card Data Data Element Application Transaction Counter (ATC) Card Verification Results (CVR) Description The ATC is used in the generation of the Message Authentication Code (MAC) and Data Encipherment session keys. The Issuer Script Command Counter is used to count the Script Update commands received during a transaction. which are updated with the script results.0 These data encipherment keys are required if the Visa recommended method of secure messaging is supported and the issuer script commands may include confidential data such as Offline PIN values. The Issuer Script Failure Indicator is set when Issuer Script processing fails and remains set until it is reset after a subsequent online transaction. contains a detailed description of card data elements and their usage.4. 14.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview. The Visa Integrated Circuit Card Specification. Version 1.2 Card Data The indicators and counters in the card described in Table 14–1 are used in processing script commands.

14.0 14. The TVR contains indicators that are set if Issuer Script processing fails. Version 1.4. Card and Issuer Data Elements Table. The Visa Integrated Circuit Card Specification.4 Online Response Data The data elements described in Table 14–3 are included in the issuer script received in the online response from the issuer.Visa Integrated Circuit Card Application Overview. contains a detailed description of terminal data elements and their usage. Issuer Script Identifier Issuer Script Template 2 Draft 12/18/00 31 Oct 2001 Visa Public 14–5 . Table 14–2: Issuer-to-Card Script Processing—Terminal Data Data Element Issuer Script Results Description The Issuer Script Results contains the results of Issuer Script processing and is sent to the issuer in a clearing message or other online message.3 Terminal Data 14. The Issuer Script Identifier is a number used to uniquely identify an issuer script. Table 14–3: Issuer-to-Card Script Processing—Online Response Data Data Element Issuer Script Command Description The Issuer Script command contains the command transmitted from the issuer.3 Terminal Data The terminal data elements described in Table 14–2 are used during Issuer Script processing. Appendix A. The Issuer Script Template 2 contains proprietary issuer data for transmission to the card after the final GENERATE AC command. which is sent to the card. Terminal Verification Results (TVR) Transaction Status Information (TSI) The TSI contains an indicator that is set if an issuer script is processed.

However.0 14. Version 1. PIN changes using PIN CHANGE/UNBLOCK or other methods should only be performed within a secure environment controlled by the issuer. the card does not allow the blocked application to be available for application selection to perform a financial transaction. the card and terminal continue to process the transaction through Completion. Draft 12/18/00 14–6 Visa Public 31 Oct 2001 . If the application is blocked during the processing of a transaction.5 Commands The following script commands for Issuer Script processing are supported: APPLICATION BLOCK This command blocks the use of the selected application.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview. APPLICATION UNBLOCK This command reverses the status of an application that is blocked. Unblocking of an application occurs only at a special device designated by the issuer. The terminal may select an application that was blocked in order to unblock the application. the card is required to return an Application Authentication Cryptogram (AAC) in response to a GENERATE APPLICATION CRYPTOGRAM (AC) command. CARD BLOCK The CARD BLOCK command permanently disables all applications on the card.4. During any subsequent application selection. if this occurs. PIN CHANGE/UNBLOCK The PIN CHANGE/UNBLOCK command provides the issuer with the capability either to unblock the Reference PIN (reset the PIN Try Counter) or to simultaneously change and unblock the Reference PIN.

only the following data elements should be allowed to be updated using Issuer Script processing: q Lower Consecutive Offline Upper Consecutive Offline Limit Consecutive Transaction Limit (International) Consecutive Transaction Limit (International—Country) Cumulative Total Transaction Amount Limit Cumulative Total Transaction Amount Upper Limit Cumulative Total Transaction Amount Limit (Dual Currency) Currency Conversion Factor VLP Single Transaction Limit VLP Funds Limit q q q q q q q q q If terminal velocity checking is not supported. It is also required for updates to the Upper and Lower Consecutive Offline Limits if Terminal Velocity Checking is supported by the card. Draft 12/18/00 31 Oct 2001 Visa Public 14–7 .5 Commands PUT DATA The PUT DATA command allows specific primitive data objects in the card to be updated. are stored in proprietary internal files.0 14.Visa Integrated Circuit Card Application Overview. if present. If terminal velocity checking is supported. The UPDATE RECORD command is required to update the PIN Verification Value (PVV) in the track data on the chip to support a PIN change. the Lower Consecutive Offline Limit and the Upper Consecutive Offline Limit are stored in records and accessible to the terminal using the READ RECORD command. UPDATE RECORD The UPDATE RECORD command is used to update a record in a file with the data provided in the command’s data field. Version 1. Issuer script commands cannot be used to update the data on the physical magnetic stripe. In this version of the Visa Integrated Circuit Card Specification. all of these card data elements.4.

In a subsequent version. The originator of an Issuer Script Command is assumed to be the card issuer. Visa requires that some form of issuer authentication be successfully performed prior to processing an Issuer Script Command.6.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview.1 Issuer Scripts The Issuer Script is transmitted to the acquirer by the issuer in the response message. This requirement may be satisfied by successfully performing secure messaging for that command since secure messaging is a form of issuer authentication. indicating that Issuer Script processing is to be performed after the final GENERATE AC command.6. Issuer Scripts transmitted in the response message always have tag “72”. Version 1. reset. 14. Draft 12/18/00 14–8 Visa Public 31 Oct 2001 . 14. or alter the data contained on the card only if 1) that command supports secure messaging and 2) secure messaging was performed successfully. The card performs the requested command to update. If an entity other than the issuer originates the commands. at most only one Issuer Script shall be transmitted in the response message. command processing.0 14. The issuer uses secure messaging in Issuer Script processing for each command that instructs the card to modify any information contained in the card.4. In this version of the Visa Integrated Circuit Card Specification. change.2 Command Processing The recommended Issuer Script commands are used to perform the functions described earlier in this chapter.6 Processing Issuer-to-Card Script Processing is comprised of issuer scripts. the same requirements apply. multiple Issuer Scripts may be allowed in a response message. and secure messaging.

These session keys are unique for each transaction and generated as described in Section 14.3 Secure Messaging The principle objectives of secure messaging are to ensure data confidentiality.Visa Integrated Circuit Card Application Overview.1 Script-Related Keys. Issuer authentication ensures that the command came from the valid issuer.6.0 14. Draft 12/18/00 31 Oct 2001 Visa Public 14–9 . message integrity. Data confidentiality ensures that secret data remains secret during transmission from the issuer to the card. Data confidentiality is achieved using encipherment of the plaintext command data (if present). Message integrity and issuer authentication are achieved using a MAC. Version 1. of this chapter. Validation of the MAC and decryption of enciphered data requires the use of session keys. and issuer authentication.6 Processing 14. Message integrity ensures that commands and command data are not altered during transmission.4.

0 14.7 Processing Flow Figure 14–1 illustrates how Issuer-to-Card Script Processing might be performed. Figure 14–1: Issuer-to-Card Script Processing Card Terminal completes Online Processing and Completion Terminal Issuer Script present in response? N Y Terminal parses out Issuer Script command in sequential order Card processes command including performing secure messaging Y Script Command Terminal sends command to card Command processing successful? Y Card sets response code for success Response code shows error? N Another command present? Y Y N Card sets response code to show error Terminal sets Script Processing Failed in TVR bit N Card returns command response with response code Script Command Response Another script present? N Terminal sets Issuer Script Processing Performed in TSI bit Terminal completes transaction processing Draft 12/18/00 14–10 Visa Public 31 Oct 2001 . Version 1.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview.4.

Completion (subsequent transactions) The card resets the Issuer Script Failure Indicator and Issuer Script Command Counter to “0” after online transactions if any of the following conditions exist: q Issuer Authentication was successful Issuer Authentication was optional and not performed Issuer Authentication was not supported q q The Issuer Script Failure Indicator and Issuer Script Command Counter are not reset if an online authorization is not completed or if the card’s Issuer Authentication requirements are not satisfied.9 Subsequent Related Processing Card Action Analysis (subsequent transactions) During Card Action Analysis for the card’s next transactions. the CVR subfields are set to indicate script results from the previous transaction based upon the Issuer Script Failure Indicator and Issuer Script Command Counter stored in the card.8 Prior Related Processing 14.4.Visa Integrated Circuit Card Application Overview. The issuer receives this Card Verification Results (CVR) data in the next clearing record and next online authorization.0 14. Draft 12/18/00 31 Oct 2001 Visa Public 14–11 .8 Prior Related Processing Online Processing The online response received from the acquirer may contain an issuer script to be processed during Issuer-to-Card Script Processing. 14. Version 1.

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Acronyms A Acronym a AAC AAR AC ADA ADF AEF AFL AID AIP AMD an ans Meaning alpha Application Authentication Cryptogram Application Authentication Referral Application Cryptogram Application Default Action Application Definition File Application Elementary File Application File Locator Application Identifier Application Interchange Profile Application Management Data alphanumeric alphanumeric special Draft 12/18/00 31 Oct 2001 Visa Public A–1 .

Acronyms Visa Integrated Circuit Card Application Overview. Version 1.4.0 Acronym APDU ARPC ARQC ATC ATM AUC Auth. CPLC Cum. CID CLA cn Cons. b BIN C CA CAM CDOL Cert. CVM Meaning Application Protocol Data Unit Authorization Response Cryptogram Authorization Request Cryptogram Application Transaction Counter Automated Teller Machine Application Usage Control authentication binary BASE Identification Number conditional Certificate Authority Card Authentication Method Card Risk Management Data Object List certificate Cryptogram Information Data Class Byte of the Command Message compressed numeric consecutive Card Production Life Cycle Data cumulative Cardholder Verification Method Draft 12/18/00 A–2 Visa Public 31 Oct 2001 .

minutes. MasterCard.0 Acronyms Acronym CVR CVV DDA DDF DDOL DEA DES DF EEPROM EMV ENC MDK ENC UDK FCI FCP FMD GPO hex. Version 1.4. Visa Master Data Encipherment DEA Key Unique Data Encipherment DEA Key File Control Information File Control Parameters File Management Data GET PROCESSING OPTIONS hexadecimal hours. HHMMSS HSM IA IAC Meaning Card Verification Results Card Verification Value Dynamic Data Authentication Directory Definition File Dynamic Data Authentication Data Object List Data Encryption Algorithm Data Encryption Standard dedicated file Electronically Erasable Programmable Read-Only Memory Europay. seconds host security module Issuer Authentication Issuer Action Code Draft 12/18/00 31 Oct 2001 Visa Public A–3 .Visa Integrated Circuit Card Application Overview.

0 Acronym IC ICC IEC IFD INS Int’l ISO Lc Le LD LRC M MAC MAC MDK MAC UDK MCC MDK n N/A NCA NI Meaning integrated circuit integrated circuit card International Electrotechnical Commission interface device Instruction Byte of the Command Message international International Organization for Standardisation Length of the Command Data Field Expected Length of the Response Data Field Length of the plaintext data in the Command Data Field Longitudinal Redundancy Check mandatory Message Authentication Code Master Message Authentication Code DEA Key Unique Message Authentication Code DEA Key Merchant Category Code Master DEA Key numeric not applicable Length of the Certification Authority Public Key Modulus Length of the Issuer Public Key Modulus Draft 12/18/00 A–4 Visa Public 31 Oct 2001 .Acronyms Visa Integrated Circuit Card Application Overview.4. Version 1.

Adleman Signed Static Application Data Secure Access Module Draft 12/18/00 31 Oct 2001 Visa Public A–5 .0 Acronyms Acronym NIC No. O P1 P2 PAN PDOL PIN PIX PK PKI POS PSE PVV R RFU RID ROM RSA SAD SAM Meaning Length of the ICC Public Key Modulus number optional Parameter 1 Parameter 2 Primary Account Number Processing Options Data Object List Personal Identification Number Proprietary Application Identifier Extension public key Certificate Authority Public Key Index point of service payment system environment PIN Verification Value required Reserved for Future Use Registered Application Provider Identifier Read-Only Memory Rivest.Visa Integrated Circuit Card Application Overview.4. Shamir. Version 1.

Version 1.Acronyms Visa Integrated Circuit Card Application Overview.P. V. SW2 TC TDOL TLV Txn. month where YY = year (00–99) and MM = month (01–12) year.4. month. day where Y = right-most digit of the year (0–9) and DDD = Julian day of the year (001–366) year.I.0 Acronym SDA SFI SW1. TSI TVR UDK var. day where DD = day (01–31) YYMM YYMMDD Draft 12/18/00 A–6 Visa Public 31 Oct 2001 . VLP YDDD Meaning Static Data Authentication Short File Identifier Status Words Transaction Certificate Transaction Certificate Data Object List tag-length-value transaction Transaction Status Information Terminal Verification Results Unique DEA Key variable VisaNet Integrated Payment Visa Low-value Payment year.

it is not intended as a data dictionary. ATM An unattended terminal that has electronic capability. A U. For descriptions of specific card and issuer data elements. Examples of applications include payment. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–1 . stored value.Glossary This is a glossary of terms used in this specification. refer to Appendix A of the Card and Terminal volumes of this specification. standards accreditation organization. application block Instructions sent to the card by the issuer. Application Authentication Cryptogram (AAC) A cryptogram generated by the card for offline and online declined transactions.S. and directly or indirectly enters the resulting transaction into interchange. acquirer A Visa member that signs a merchant or disburses currency to a cardholder in a cash disbursement. and loyalty. application A computer program and associated data that reside on an integrated circuit chip and satisfy a business function. and disburses currency or checks. accepts PINs. to shut down the selected application on a card to prevent further use of that application. This process does not preclude the use of other applications on the card. ANSI American National Standards Institute.

Glossary

Visa Integrated Circuit Card Application Overview, Version 1.4.0

ATM cash disbursement

A cash disbursement obtained at an ATM displaying the Visa, PLUS, or Visa Electron acceptance mark, for which the cardholder’s PIN is accepted.
authentication

A cryptographic process that validates the identity and integrity of data.
authorization

A process where an issuer or a representative of the issuer approves a transaction.
authorization controls

Information in the chip application enabling the card to act on the issuer’s behalf at the point of transaction. The controls help issuers manage their below-floor-limit exposure to fraud and credit losses. Also known as offline authorization controls.
authorization request

A merchant’s or acquirer’s request for an authorization.
Authorization Request Cryptogram (ARQC)

The cryptogram generated by the card for transactions requiring online authorization and sent to the issuer in the authorization request. The issuer validates the ARQC during the Online Card Authentication (CAM) process to ensure that the card is authentic and was not created using skimmed data.
authorization response

The issuer’s reply to an authorization request. Types of authorization responses are:
q

approval decline pickup referral

q

q

q

Authorization Response Cryptogram (ARPC)

A cryptogram generated by the issuer and sent to the card in the authorization response. This cryptogram is the result of the Authorization Request Cryptogram (ARQC) and the Issuer’s authorization response encrypted with the Unique Derivation Key (UDK). It is validated by the card during Issuer Authentication to ensure that the response came from a valid issuer.
Bank Identification Number (BIN)

A 6-digit number assigned by Visa and used to identify a member or processor for authorization, clearing, or settlement processing.

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Visa Integrated Circuit Card Application Overview, Version 1.4.0 BASE I Authorization System

BASE I Authorization System

The V.I.P. System component that performs message routing, cardholder and card verification, and related functions such as reporting and file maintenance.
BASE II

The VisaNet system that provides deferred clearing and settlement services to members.
byte

8 bits of data.
card acceptance device

A device capable of reading and/or processing a magnetic stripe or chip on a card for the purpose of performing a service such as obtaining an authorization or processing a payment.
card authentication

A means of validating whether a card used in a transaction is the genuine card issued by the issuer.
Card Authentication Method (CAM)

See Online Card Authentication.
card block

Instructions, sent to the card by the Issuer, which shut down all proprietary and non-proprietary applications that reside on a card to prevent further use of the card.
Card Verification Value (CVV)

A unique check value encoded on a card’s magnetic stripe and chip to validate card information during an online authorization.
cardholder

An individual to whom a card is issued or who is authorized to use that card.
cardholder verification

The process of determining that the presenter of the card is the valid cardholder.
Cardholder Verification Method (CVM)

A method used to confirm the identity of a cardholder.
cash disbursement

Currency, including travelers cheques, paid to a cardholder using a card.

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Glossary

Visa Integrated Circuit Card Application Overview, Version 1.4.0

cashback

Cash obtained in conjunction with, and processed as, a purchase transaction.
CCPS

Chip Card Payment Service, the former name for Visa Smart Debit and Visa Smart Credit (VSDC).
Certificate Authority (CA)

A trusted central administration that issues and revokes certificates.
chargeback

A transaction that an issuer returns to an acquirer.
chip

An electronic component designed to perform processing or memory functions.
chip-capable

A card acceptance device that is designed and constructed to facilitate the addition of a chip reader/writer.
chip card

A card embedded with a chip that communicates information to a point-of-transaction terminal.
clearing

The collection and delivery to the issuer of a completed transaction record from an acquirer.
cleartext

See plaintext.
cryptogram

A numeric value that is the result of data elements entered into an algorithm and then encrypted. Commonly used to validate data integrity.
cryptographic key

The numeric value entered into a cryptographic algorithm that allows the algorithm to encrypt or decrypt a message.
cryptography

The art or science of keeping messages secret or secure, or both.

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Data Encryption Standard (DES) The public domain symmetric key cryptography algorithm of the National Institute for Standards and Technology. Data Encryption Algorithm (DEA) An encipherment operation and an inverse decipherment operation in a cryptographic system. consisting of 56 bits that must be independent and random. Dynamic Data Authentication (DDA) A type of Offline Data Authentication where the card generates a cryptographic value using transaction-specific data elements for validation by the terminal to protect against skimming. data authentication Validation that data stored in the integrated circuit card has not been altered since card issuance. double-length DES Key Two secret 64-bit input parameters each of the Data Encryption Standard algorithm. DES key A secret parameter of the Data Encryption Standard algorithm. Version 1.4. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–5 . Easy Entry is not EMV-compliant and is being phased out. decryption The process of transforming ciphertext into cleartext. Easy Entry A replication of the magnetic stripe information on the chip to facilitate payment as part of multi-application programs.Visa Integrated Circuit Card Application Overview. See also Offline Data Authentication. and 8 error-detecting bits set to make the parity of each 8-bit byte of the key odd.0 CVM List CVM List An issuer-defined list contained within a chip application establishing the hierarchy of methods for verifying the authenticity of a cardholder. digital signature A cryptogram generated by encrypting a message digest (or hash) with a private key that allows the message content and the sender of the message to be verified.

encoded. Hardware Security Module (HSM) A secure module used to store cryptographic keys and perform cryptographic functions. interchange The exchange of clearing records between members. which produces a unique value from a data stream. host data capture system An acquirer authorization system that retains authorized transactions for settlement without notification from the terminal that the transaction was completed. and Visa International to create standards and ensure global interoperability for use of chip technology in the payment industry. Draft 12/18/00 Glossary–6 Visa Public 31 Oct 2001 . Integrated Circuit Card (ICC) See chip card. Integrated Circuit Chip See chip. interoperability The ability of all card acceptance devices and terminals to accept and read all chip cards that are properly programmed. or printed expiration date has passed. MasterCard International. encryption The process of transforming cleartext into ciphertext. floor limit A currency amount that Visa has established for single transactions at specific types of merchants. International Organisation for Standardisation (ISO) The specialized international agency that establishes and publishes international technical standards. expired card A card on which the embossed. above which online authorization is required. hash The result of a non-cryptographic operation. Version 1.0 EMV specifications Technical specifications developed jointly by Europay International.4.Glossary Visa Integrated Circuit Card Application Overview.

storage. sent online for an authorization. merchant category code (MCC) A code designating the principal trade. and to generate ARPCs. These keys are used to generate Unique Derivation Keys (UDKs) for personalization. to validate ARQCs. entry and use. key management The handling of cryptographic keys and other related security parameters during the entire life cycle of the keys. Issuer Action Codes (IACs) Card-based rules which the terminal uses to determine whether a transaction should be declined offline. key generation The creation of a new key for subsequent use. Master Derivation Keys (MDK) Master DES keys stored in the issuer host system. including their generation. Magnetic Stripe Image The minimum chip payment service data replicating information in the magnetic stripe required to process a transaction that is compliant with EMV. magnetic stripe The stripe on the back of the card that contains the magnetically coded account information necessary to complete a non-chip electronic transaction. Version 1. deletion or destruction. See Authorization Response Cryptogram (ARPC).4. message authentication code (MAC) A digital code generated using a cryptographic algorithm which establishes that the contents of a message have not been changed and that the message was generated by an authorized entity.Visa Integrated Circuit Card Application Overview. or line of business in which a merchant is engaged. or proprietary cards bearing the PLUS or Visa Electron Symbol. distribution. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–7 . Issuer Authentication Validation of the issuer by the card to ensure the integrity of the authorization response. or declined if online is not available. profession.0 issuer issuer A Visa member that issues Visa or Electron cards. and archiving.

offline authorization A method of processing a transaction without sending the transaction online to the issuer for authorization.Glossary Visa Integrated Circuit Card Application Overview. offline-only terminal A card acceptance device that is not capable of sending transactions online for issuer authorization. Draft 12/18/00 Glossary–8 Visa Public 31 Oct 2001 .0 multi-application The presence of multiple applications on a chip card (for example. offline decline A transaction that is negatively completed at the point of transaction between the card and terminal without an authorization request to the issuer. offline PIN A PIN value stored on the card that is validated at the point of transaction between the card and the terminal. offline-capable A card acceptance device that is able to perform offline approvals. Offline Data Authentication A process whereby the card is validated at the point of transaction using RSA public key technology to protect against counterfeit or skimming. offline PIN verification The process whereby a cardholder-entered PIN is passed to the card for comparison to a PIN value stored secretly on the card. VIS includes two forms: Static Data Authentication (SDA) and Dynamic Data Authentication (DDA). online authorization A method of requesting an authorization through a communications network other than voice to an issuer or issuer representative.4. Version 1. nibble The four most significant or least significant bits of a byte of data. payment. loyalty. and identification). offline approval A transaction that is positively completed at the point of transaction between the card and terminal without an authorization request to the issuer.

through the use of two related keys—a public key which may be distributed in the clear and a private key which is kept secret. the key that is kept secret and known only to the owner. See also Card Acceptance Device. plaintext Data in its original unencrypted form. public key As part of an asymmetric cryptographic system. point of transaction (POT) The physical location where a merchant or acquirer (in a face-to-face environment) or an unattended terminal (in an unattended environment) completes a transaction. the key known to all parties. Online Card Authentication (CAM) Validation of the card by the issuer to protect against data manipulation and skimming. private key As part of an asymmetric cryptographic system. but does not require a shared secret key. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–9 . post-issuance update A command sent by the issuer through the terminal via an authorization response to update the electronically stored contents of a chip card.4.Visa Integrated Circuit Card Application Overview. personalization The process of populating a card with the application data that makes it ready for use. online PIN A method of PIN verification where the PIN entered by the cardholder into the terminal PIN pad is DES-encrypted and included in the online authorization request message sent to the issuer. See Authorization Request Cryptogram (ARQC). point-of-transaction terminal A device used at the point of transaction that has a corresponding point-of-transaction capability. public key cryptographic algorithm A cryptographic algorithm that allows the secure exchange of information.0 online-capable terminal online-capable terminal A card acceptance device that is able to send transactions online to the issuer for authorization.

such as gaming chips or money orders. quasi-cash transaction A transaction representing a merchant’s sale of items. and protects against unauthorized modification or viewing. secure messaging A process that enables messages to be sent from one entity to another. secret key A key that is used in a symmetric cryptographic algorithm (that is. Shamir. when used with the appropriate public key cryptographic algorithm. RSA (Rivest. and Adleman. without the secure exchange of a secret. a point-of-sale transaction. a public key and a private key which. It is used to store chip operating systems and permanent data. can allow the secure exchange of information.Glossary Visa Integrated Circuit Card Application Overview. Adleman) A public key cryptosystem developed by Rivest. DES). This is not the same as the private key in a public/private key pair. referral response An authorization response where the merchant or acquirer is instructed to contact the issuer for further instructions before completing the transaction. reversal A BASE II or online financial transaction used to negate or cancel a transaction that has been sent through interchange. random selection An EMV online-capable terminal function that allows for the selection of transactions for online processing. ROM (Read-Only Memory) Permanent memory that cannot be changed once it is created. Part of Terminal Risk Management.4. Version 1. used for data encryption and authentication. Draft 12/18/00 Glossary–10 Visa Public 31 Oct 2001 .0 public key pair The two mathematically related keys. and cannot be disclosed publicly without compromising the security of the system. purchase transaction A retail purchase of goods or services. receipt A paper record of a transaction generated for the cardholder at the point of transaction. Shamir. that are directly convertible to cash.

I. System that processes Online Financial and Deferred Clearing transactions. System VisaNet Integrated Payment System.P. settlement The reporting of settlement amounts owed by one member to another or to Visa. V.I. smart card A commonly used term for a chip card. or declined if online is not available. Triple DES The data encryption algorithm used with a double-length DES key. the online processing component of VisaNet. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–11 . Visa Certificate Authority (CA) A Visa-approved organization certified to issue certificates to participants in a Visa payment service. as a result of clearing. This validation protects against some types of counterfeit. Terminal Action Codes (TACs) Visa-defined rules in the terminal which the terminal uses to determine whether a transaction should be declined offline. Static Data Authentication (SDA) A type of Offline Data Authentication where the terminal validates a cryptographic value placed on the card during personalization.4.0 session key session key A temporary cryptographic key computed in volatile memory and not valid after a session is ended.P.Visa Integrated Circuit Card Application Overview. transaction An exchange of information between a cardholder and a merchant or an acquirer that results in the completion of a financial transaction. Visa Low-value Payment (VLP) VLP is a feature of VSDC designed to provide an optional source of pre-authorized spending power that is reserved for rapid processing of offline low-value payments. but does not protect against skimming. sent online for an authorization. Single Message System A component of the V.

through which Visa delivers online financial processing.P. clearing. including the V.Glossary Visa Integrated Circuit Card Application Overview. Draft 12/18/00 Glossary–12 Visa Public 31 Oct 2001 . authorization. as well as by Visa rules and regulations.I.0 Visa Smart Debit and Visa Smart Credit (VSDC) The Visa service offerings for chip-based debit and credit programs. and BASE II systems. and settlement services to members.4. Version 1. are supported by VisaNet processing. VisaNet The systems and services. based on EMV and VIS specifications. These services.

5–2 for Terminal Action Analysis. 3–1 identifying and selecting the application. 2–7. 13–6 Application Default Action. See Certificate Authority Public Key Index candidate list. 1–7. 4–6. 12–4. See ATC APPLICATION UNBLOCK command. 14–8 B biometrics. 11–2 CARD BLOCK command. 14–4 for Online Processing. 12–4 to 12–5. See Application Elementary Files AFL. 4–4. 13–8 Application Definition File. 13–1. 4–4. See ARQC Authorization Response Code. 6–14. 11–4. 14–6 card data. See Application Interchange Profile Amount X. 7–2 Application Version Number (‘9F09’). 2–8. 3–4 Card Action Analysis. See ARPC authorization response message. 2–10. 11–2. 14–4 ATM. 6–14. 4–2 to 4–3 for Issuer-to-Card Script processing. 13–3 to 13–4. 3–2 Application Effective Date. See Application Definition File AEF. 1–7. 3–1 to 3–7. 7–4 Application Version Number (‘9F08’). 13–9 AUC. 8–14. 3–3 Application Transaction Counter. 12–8. 7–2 for Read Application Data. 11–2. 3–2. 9–4 to 9–5. 7–3 ARPC. 7–5 Application File Locator. 10–4. 9–3 to 9–4 Application Authentication Cryptogram. 11–5. 10–2 for Terminal Risk Management. 7–2. 13–4 for Initiate Application Processing. building the. 3–2 to 3–3 AIP. 8–1 C CA Public Key Index. 13–6 Authorization Response Cryptogram. 13–3 ATC. 10–1. 8–8. 14–6 Application Usage Control. 10–4 to 10–5. 13–4. 6–11 to 6–12. See PAN Application Selection. 3–6 terminal data. 12–2 for Processing Restrictions. 5–2 to 5–3 Application Identifier. 12–2 to 12–4. 9–2. 14–6 Application Cryptogram. 7–4 Application Elementary Files. 7–4 to 7–5 Application Version Number. 7–2. 8–14. 2–11. 11–2. 11–1 to 11–7. 11–4.Index A AAC. 11–3 processing flow. 10–4 to 10–5. See AID Application Interchange Profile. 12–6. 5–2 Application Expiration Date. 12–2 Application PAN. 8–3 Amount. 12–2. 14–6 AC. 13–3. 8–4. See PAN Application Primary Account Number. 2–9. 13–3. 2–1. 1–7. 13–4. 2–11. 3–4 processing flow. 11–2 processing. 13–5 card data. 8–3 Amount Y. 4–1 to 4–2. 11–6 terminal data. 14–6 card data for Application Selection. 12–2 to 12–3. See Application Cryptogram ADA. 4–1 to 4–2. 12–8 to 13–1. See Application Default Action ADF. 13–5 to 13–9. 12–8 to 13–1. 4–4. 8–3. 12–2 to 12–6. 2–4. 4–4. See AAC APPLICATION BLOCK command. 2–11. 11–7. 3–2 for Card Action Analysis. 12–2. 3–3 Application Selection Indicator. See Application Usage Control Authorization Request Cryptogram. 9–2 Draft 12/18/00 31 Oct 2001 Visa Public Index–1 . See Application File Locator AID. 7–2. 12–6 ARQC. Authorized. 11–2 for Completion. 3–2 functions. 9–1.

6–3 Certificate Authority Public Key Index. 8–10 Card Risk Management. 14–7 Currency Conversion Factor. 12–4. 14–4 card reader. 6–1. 14–3 Draft 12/18/00 Index–2 Visa Public 31 Oct 2001 . 14–7 Cumulative Total Transaction Amount Limit (Dual Currency). 8–8 CVM Conditions. 1–9. 11–2. 10–2 to 10–4. 1–7 data confidentiality. 11–3 to 11–4. 8–10 processing. See CVV cardholder confirmation.0 Completion. 11–3. 8–7 GET DATA. Version 1. 8–4. 13–4 to 13–5 online processing. See Directory Definition File DDOL. 8–3. 14–1 Cryptogram Information Data. 13–4 processing flow. 13–3. 13–3 cryptogram type. 13–4 transaction flow example. 12–2. 11–4. 6–13 CID. 8–8 CVM List. 11–4. 2–5. 13–4 Certificate Authority. 4–3 INTERNAL AUTHENTICATE. 13–8 Card Risk Management checks. 6–11 DDA failed on last transaction. 14–3 Data Encipherment Session Key. 2–11 commands APPLICATION BLOCK. 6–12. 12–4 to 12–5. 12–5 Combined DDA/AC Generation failure. 6–7. 12–2. 14–7 credit. 6–11 to 6–17 card data. 8–3 CVM Entry. 14–6 EXTERNAL AUTHENTICATE. See CVR Card Verification Value. See CVM List Cardholder Verification Method. 14–9 Data encipherment. See CVM processing Cardholder Verification Value. 5–3 UPDATE RECORD. See velocity checking. 11–3. 6–16 DDA key relationships. 8–3. 6–4. See CDOL1 card velocity checking. 14–7 Cumulative Total Transaction Amount Upper Limit. 2–7. 13–7 cryptogram version 14. 11–7 Card Risk Management Data Object List 2. 13–1 to 13–11 card data. 2–2. 8–8 card data. 2–3 Default DDOL. 6–11. 13–4 GET CHALLENGE. 8–9 CVM Type. 14–6 APPLICATION UNBLOCK. 11–2 to 11–3. 3–5 cardholder selection. 8–1 to 8–14. 6–11 DES. 4–6. 8–1. See Cryptogram Information Data Combined DDA/AC Generation. 11–7 CDOL2. 1–7 to 1–8. 8–8 CVM Processing. 2–3. 6–17. 2–9. 14–6 CARD BLOCK. 2–2. 11–5. 2–10. 8–3. 5–1. 14–7 Consecutive Transaction Limit (International—Country). 13–11 GENERATE AC. 8–3 processing flow. 2–8. 12–4. 14–7 CVM Code. 11–3 DDA Failure Indicator. 13–5 to 13–6 command support requirements. 10–7 card data. 14–6 PUT DATA. 6–12 processing flow. card Card Verification Results. 2–9. 12–4. 8–8 Cardholder Verification Method List. See DF Name default CVM. 6–15 terminal data. 1–7 to 1–8. 8–7 D Data Authentication Code (DAC).D Visa Integrated Circuit Card Application Overview. 6–6 DDF. 8–7. 1–8 Cumulative Total Transaction Amount Limit. 6–16. 12–1 credit risk. 13–10 Consecutive Transaction Limit (International).4. See CDOL2 Card Risk Management Data Object List. See CVV CDOL1. 14–3 to 14–4 DDA. 8–3 CVM List Processing. 12–6. 12–5 to 12–6. 8–5 Certificate Serial Number. 3–4 to 3–5 Cardholder Verification. 6–14. 10–4. 12–8 to 13–1. 6–12. 6–12 Dedicated File Name. 2–3. 8–8 CVM List processing. 8–3 CVR. 14–7 VERIFY. 2–7. 14–7 READ RECORD. 14–3 DES keys. 6–13 PIN CHANGE/UNBLOCK. 13–5 terminal data. 6–8 to 6–9. 9–4 GET PROCESSING OPTIONS. 12–8. 11–5. 6–13.

11–5 ICC Public Key. 11–3 Issuer Country Code. mandatory and optional. 9–4 to 9–5 GET PROCESSING OPTIONS command. 12–1 Processing Restrictions. 6–14. 4–5 terminal processing. 4–4 functions. 8–14. 14–6. 12–3.4. 11–5. 1–8. See File Control Information File Control Information. 8–11 FCI. 6–8 Issuer Public Key Remainder. 13–1. 1–8. 12–3. 6–4 Issuer Public Key data. 1–3. 12–5 Issuer Authentication Failure Indicator. See Issuer PK Certificate Issuer Public Key Component. 11–1 Cardholder Verification. 12–5 ICC Public Key Certificate. 11–7 GENERATE APPLICATION CRYPTOGRAM. 12–2. 10–1 to 10–7. Version 1. 8–11 ICC PIN Encipherment Private Key. 2–7 miscellaneous terminal.0 Directory Definition File. 2–2. 2–9. 12–4 to 12–5. See DDA dynamic signature. 14–1 functional overview. 6–16. 14–8 Terminal Action Analysis. 3–4 to 3–5 Dynamic Data Authentication Failure Indicator. 4–2 Issuer Country Code “5F28”. MasterCard. 10–1 Terminal Risk Management. 12–7 Issuer PK Certificate. 2–2. 12–4 to 12–5 Geographic Restrictions. 4–2 Draft 12/18/00 Visa Public 31 Oct 2001 Index–3 . 2–2. 6–12 to 6–13 ICC Private Key. 2–11. 8–11 ICC PIN Encipherment key data. 12–2. 1–11 ENC MDK. 6–13. 6–4 to 6–5. 6–1 Online Processing. 6–3. 2–11. 3–7. 12–4. 8–6 Europay. 2–11. 8–10. 2–7 G GENERATE AC command. 2–11. 2–11. 2–7. 9–1 functions. 8–7. 12–5. 6–12 Initiate Application Processing. See also Application Expiration Date EXTERNAL AUTHENTICATE command. See ICC PK Certificate ICC Public Key Exponent. 8–10 GET DATA command. 1–7. 10–3 to 10–4. 12–6 Issuer Authentication Failure on Last Transaction. 6–13 Issuer Private Key. 6–3 to 6–5. 1–6 to 1–7 EMV documentation. See EMV Expiration Date. 4–3 to 4–4 INTERNAL AUTHENTICATE command. 4–4 GET CHALLENGE command. 4–1. 12–2. See IACs Issuer Application Data. 7–1 Read Application Data. 8–5 ICC PK Certificate. 14–3 ENC UDK. 4–1 processing flow. 12–6 I IACs. 6–4 to 6–5. 11–2 to 11–5. 3–2 Directory File. 6–8 issuer script. 6–12 ICC Public Key Remainder. 14–8 to 14–9 Issuer Authentication Data. 14–1 Offline Data Authentication. 6–13 ISO documentation. 12–5 E EMV. See DDA Failure Indicator Dynamic Data Authentication. 4–2 to 4–3 card processing. 6–8 Issuer Public Key. 6–11. 4–2 to 4–3 floor limits. 13–1 Issuer-to-Card Script Processing. 13–7 to 13–8. 3–2. 8–5 Issuer Public Key Exponent. 5–1 Terminal Action Analysis. 6–11. 13–5. Visa. 8–14 card data. 6–9. 4–1. 13–9 F Fail CVM. 6–11 to 6–14. 6–14. 2–5. 8–1 Completion. 6–4 to 6–5. 6–9. 3–2 Directory Selection Method. 12–1. 7–2 issuer host. 13–6 ICC Dynamic Number. 12–1. 6–4. 1–10 Issuer Action Codes. 6–3. 12–5 to 12–6. 13–3 Issuer Authentication. 6–13 to 6–14. 6–12 ICC key data. 2–11. 8–7. 14–3 Enciphered PIN Data.Visa Integrated Circuit Card Application Overview. 1–7. 2–9 functions Card Action Analysis. 4–3 to 4–5 E H hash. 2–1 functional requirements card. 2–10 terminal. 6–8 to 6–9. 9–4 fraud risk. See GENERATE AC command Geographic Indicator. 6–13 Issuer Public Key Certificate. 13–3 to 13–9.

13–8 PIN Verification Value. 8–4. 14–9 P PAN.0 Issuer Script Command Counter. See Last Online ATC Register Last Online ATC Register. 8–7. 11–3. 14–7 M MAC. 9–4 Message Authentication Code Keys. 8–10 optional terminal changes. 11–7 Offline Plaintext PIN. 8–10. 12–5 optional. See ENC MDK Master Message Authentication Code Key. 3–4 Lower Consecutive Offline Limit “9F14”. 2–4. 12–7 online response data. 8–1 Offline PIN processing. 12–3 Processing. 14–3 Keys and Certificates. 8–7. 1–3 Master Data Encipherment DEA Key. 6–1 to 6–17. 8–12 PIN Try Counter. 9–2. 1–3 K keys. 8–7. 10–1 Online Authorization Indicator. 14–11 card data. See MAC keys Message Authentication Code. 14–1 to 14–11 card data. 3–2 PDOL. 8–10. 13–8. 14–5 Issuer Script Failure Indicator. See PIN PIN CHANGE/UNBLOCK command. 3–2 to 3–3. 12–5 terminal data. 14–4 online response data. 12–3 online request. 9–4 Payment Systems Directory.K Visa Integrated Circuit Card Application Overview. 8–11 Online Processing. 8–6. 1–7 processing commands. 9–4 to 9–5 List of AIDs Method. 2–8. 11–4. 13–5. 14–3 magnetic stripe. 14–3. 8–1. 14–6 PIN Try Limit. 11–3 Issuer Script Results. 14–9 MAC MDK. 2–10. 14–4 issuer script commands. 4–6 Personal Identification Number. 12–5 online response. card data for. 8–10 PIN processing flow. See PVV Draft 12/18/00 Index–4 Visa Public 31 Oct 2001 .4. See floor limit checking Merchant Forced Transaction Online. 12–2 commands. 14–8 processing flow. 2–4 Online Card Authentication. 2–7. 2–8. 12–4 flow. 4–1 to 4–3. 14–3 to 14–4 MAC UDK. 3–2 Payment Systems Environment. 13–8 No CVM Required. Version 1. 1–7. 14–5 Issuer Script Template. 14–5 processing. 11–7. 5–2 to 5–3. 2–10. 14–5 N new card. 6–4 to 6–5 L Last Online Application Transaction Register. 8–14. 14–4 Issuer Script Identifier. See MAC Session Key Maximum Target Percentage to be used for Biased Random Selection. 8–5 CVM processing. 14–3 MAC Session Key. 14–5 Issuer Script Processed on Last Online Transaction. 2–2. 8–7 supported CVMs. 4–6. 9–5. 9–2. 13–11. 9–3 merchant floor limit. 2–11. See MAC message integrity. 12–1 to 12–8. 11–3 Online Card Authentication. 14–10 terminal data. 8–4 Offline PIN Verification not Performed (PIN Try Limit Exceeded). Offline Data Authentication. 10–7 Offline Enciphered PIN card data. 8–11 O Offline Data Authentication. 2–5. 14–5 issuer scripts. 9–5 Lower Consecutive Offline Limit “9F58”. See MAC MDK Master Message Authentication Code Session Key. 8–10 online authorization. 8–1. See Issuer-to-Card Script processing Issuer-to-Card Script Processing. 11–3. 2–9. See CAM online PIN. 4–6. 14–7 mandatory. 8–4. 1–8 to 1–9 Online Authorization Not Completed (on previous transaction). 14–6 PIN Pad Secret Key. 9–2.

6–10 SDA failed on last transaction. 5–2 to 5–3 signature and offline PIN. 6–13. 6–17. 3–2 to 3–3. 14–3 to 14–11 SELECT command. 5–1. 9–8 T TACs. 6–11 Signed Static Application Data. 13–6 tamper-evident device. 6–7 SDA Tag List. 11–2. 4–4. 8–14 Terminal Action Analysis. 9–3 Terminal Exception File. 6–8 to 6–9 Standard DDA. 5–2 processing. 6–9 processing flow. See SDA stolen cards. 11–7. 6–13 to 6–14 Standard Online Processing. See RSA RSA. 1–3 RID. 7–2 processing. 10–1 to 10–7. 2–8. 5–4 terminal data. 3–3 for Cardholder Verification. 3–2. 8–14. 1–8 SFI. 6–1. 11–7 card data. 2–10. See Certificate Authority Public Key Index Point of Sale Entry Mode. 6–16 SDA key relationships. 6–16. 2–12. 2–9. 7–7. 7–3 for Terminal Action Analysis. 8–6 Terminal Country Code. 2–7. 9–3 TC. 5–3 processing flow. 8–4. 14–7 PVV. 4–6 to 5–1. 10–7. 6–4. 9–3 to 9–4 Terminal Floor Limit. 2–12. 2–7. See Certificate Authority Public Key Index PUT DATA command. 12–4 to 12–5. See TACs Terminal Capabilities. 13–1 recommended. 10–6 terminal data. 10–3 for Terminal Risk Management. 10–4 to 10–5. 8–14. 9–4 terminal floor limit. See PDOL processing overview. Adleman. 13–1 Signature. cardholder.4. 2–9. 2–2. See also floor limit checking S SAD. See also Issuer-to-Card Script Processing Processing Options Data Object List. 14–11 Completion. 7–6 terminal data. 3–3 to 3–5 Draft 12/18/00 Visa Public 31 Oct 2001 Index–5 . 2–3. 13–9 post-issuance updates. 10–2 processing. 3–3 receipt. 8–11 signature. 4–3. 10–4 processing flow. 12–8 to 13–1. 14–7 R R Random Transaction Selection. 6–14. 6–3 Session Key Generation. 2–12. 14–11 Issuer-to-Card Script Processing. Shamir. See Issuer-to-Card Script processing SDA. 6–5 SDA or DDA. 12–3 for Processing Restrictions. 2–2. 14–1 Subsequent Related Processing Card Action Analysis. 2–9. 6–8 to 6–17 processing. 6–16. 10–7 card data. 10–1 to 10–7 card data. 6–16. cryptographic. 8–10 Target Percentage to be used for Random Selection. 12–8 Online Processing. 8–5 Rivest. 12–8. 8–14. 7–3. See POS Entry Mode POS device. See Short File Identifier Short File Identifier. 2–7. 8–6 for Completion. 3–2 to 3–3 PKI. See Signed Static Application Data Script Processing. 6–8 to 6–9. See RID required. 11–3 SDA Failure Indicator. Version 1. See SDA Failure Indicator Static Data Authentication. determining which to perform Offline Data Authentication. 2–2. 8–14. 7–7. 10–7. 14–5 for Online Processing. 11–4. 1–7 to 1–8 secure messaging. 8–14. 10–3 Terminal Action Codes. 2–9. 8–1. 14–6 Registered Application Provider Identifier. cryptographic. 7–3 terminal data for Application Selection. 7–1. 2–1 Processing Restrictions. 8–14. 13–3. 6–8. 6–5 signature. 6–14. 8–1. 6–4 Signed Dynamic Application Data. 9–4 Read Application Data. 2–4. See PIX PSE. 8–10. 1–3 Reference PIN.0 PIX. 9–8. 11–7. 2–7. 12–5 Static Data Authentication Failure Indicator. 5–3 READ RECORD command. 6–4. 7–3 Proprietary Application Identifier Extension. 13–5 to 13–9 Terminal Action Analysis. 13–4 for Issuer-to-Card Script Processing. See Payment Systems Environment Public Key Index.Visa Integrated Circuit Card Application Overview. 6–16.

12–3. 2–8. 1–6 update. 13–1. 7–3 to 7–5 transaction flow. 13–8 velocity checking. 2–12. 9–3 Transaction Certificate. 7–3 TSI. 14–5 Transaction Type. 12–3. sample. 14–5 Y Y3 Authorization Response Code. 1–9. 9–2. 6–8 to 6–9. 8–7. 8–6. 8–10 Visa CA Private Key. 1–2 Visa Low-value Payment. 8–10 Transaction Status Information (TSI). 1–7 revisions. 10–3 to 10–4. 9–5 VERIFY command. 11–1. See TC Transaction Date. 11–7. 1–7. 12–6. 9–3 to 9–5. 6–13. See Visa Private Key Visa CA Public Key. 9–5. 6–11. 14–7 Draft 12/18/00 Visa Public Index–6 31 Oct 2001 . See TVR terminated transactions. 7–4 to 7–5. 14–7 V velocity checking. 10–7 card data. 9–2 processing flow. 8–6. 12–5 to 12–6. See MAC UDK Unpredictable Number. See ENC UDK Unique DEA Keys A and B. 12–2. terminal. 9–3 terminal velocity checking. 6–3 to 6–4. 2–6 Transaction Log. 9–1 to 9–8. 2–10. 6–8 to 6–9. 13–7 U UDKs. 1–11 Visa Integrated Circuit Card Specification. 8–8. 11–3. See Visa Public Key Visa documentation.U Visa Integrated Circuit Card Application Overview. See velocity checking. 12–6 UDKs.4. See UDKs Unique Message Authentication Code Key. 13–7 Z Z1 Authorization Response Code. 14–7 Terminal Risk Management. 9–6 terminal data. card. Version 1. 2–12 Visa Private Key. 6–3. 6–8 Visa Public Key. 2–3.0 VLP Single Transaction Limit. 8–8. 1–1 impact summary. 9–3 to 9–4 Transaction PIN. 9–5 Upper Consecutive Offline Limit “9F59”. 9–3. 8–6 VLP Funds Limit. 2–12. 13–4 to 13–6. 14–7 terminal velocity checking. 13–6 Z3 Authorization Response Code. terminal Terminal Verification Results. 1–3 Threshold Value for Biased Random Selection. 11–7 Upper Consecutive Offline Limit “9F23”. See Unique DEA Keys Unique Data Encipherment DEA Key. 6–11 UPDATE RECORD command. 14–7 Upper Consecutive Offline Limit. See Transaction Status Information TVR.

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