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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

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

. . . . 1–2 1. . . 1–8 1. . . 1–7 1. . . 1–6 1.5 Revisions to This Specification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Chapter Overview . . . . . . . . . . . . . . . 1–8 1. . . . .1 Audience . . . . . . . . . . . . .3 Terminology . 1–3 1. . . . . . . . . . . . . . . . . . . . . . . . . .2. . . . . . . . . . . . . . .2 VIS Update . . . 1–8 Draft 12/18/00 31 Oct 2001 Visa Public i .6 Impact Summary .3 Terminated Transactions . 1–3 1.3. . . 1–6 1. . . .6.2 Card/Integrated Circuit . . . . . . . . .6. . . . . . . . . . .2 Optional . . . . . . . . . . . . .2 Optional . . . . . . . . . . . . . . . . . . 1–4 . . . . . . . . . . . 1–7 1. .3. .1 Volume Overview 1. . . . . . . . . . . . . . . . . . . . .4 Document Structure . . . . . . . . . . 1–7 1. . . . . . .6. . . . . . .4. . . . . . . . . . . .3. . . 1–4 1. . . . .4. . . . . . . . . . . . . . . . . . . . . . . . . . .2. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6.1. . . . . . . .6. . . . . . . . . . . . .3 Subheading Overview . .1 Mandatory/Required/Recommended/Optional 1. . . .1. .1 Mandatory . .1 Terminal . . . . . . . . . . 1–2 1. . . 1–4 1. . . .Contents Chapter 1 • About This Specification 1. . . . . . . . . . . .4. . . . . . 1–3 1. . . 1–3 . . . . .2 Card . . .6. . . . . . . . . . . . . . . . . . . . . . . . 1–7 1. . . . . . .1 Mandatory . . . . . . . . . . . . .

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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Visa Integrated Circuit Card Application Overview, Version 1.4.0

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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4. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 CVM List Processing . . . . . . . . . . . . . .3 Online PIN . . . . . . . . . . . . .4. . . 8–14 8. . . . . . .1 Card Data . . . . . . . . . . . 9–8 9. . . . . . . . . . . . . . . . 8–11 8. . . . .4.2. . . . . .2 Offline Enciphered PIN . . .5 No CVM Required . . . . . . . . . . .2. . . . . . . . . . . .5 Merchant Forced Transaction Online 9. . . . . Version 1. . . . . . . . 9–4 . . . . . . . . . . . 8–11 8. . . . . . . . . . 9–5 9. . . . . . . . . . . . .6 Subsequent Related Processing . . . . . . . . . . . . .1 Card Data . . 9–5 9.8 Terminal Velocity Checking . . .10 Prior Related Processing . . . . . . .4 Signature . . . . . . . . . . . . . . . . . . . . . . .2 CVM Processing . . . . . . .2. . . . . . . . . . . . . 8–11 8. . . . . . . . . . . . . . . . 8–11 8. . . . .0 Contents Chapter 8 • Cardholder Verification 8. .2. .1 Offline Plaintext PIN . . . . . . . . . . . . . . 9–2 9. . . . . 8–14 Chapter 9 • Terminal Risk Management 9. . . . . . . . . . . .6 Floor Limit Checking . . . . . . 9–3 9. .3 GET DATA Command . . . . . . . . . . . . . . . . . . . . . . .4. .5 Prior Related Processing . . . . 8–8 8. . . . . . . . . . . 9–4 9. . . . . . 8–10 8. . . . 8–8 8. . 9–4 9. . . . . . .9 New Card Checking .2. . . . . . . . . .4. . . . . . . .2 Terminal Data 8. . . . . .4 Terminal Exception File . . . . 8–3 8. . . . . . . . . .4. 8–10 8. . . . . . . . . . . . . . . . . . . . . . . . . . 9–4 9. . . . .4.11 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public v . . . . . . . . . . . . . . . . . . . . .4. . . . . . . .3 Commands 8. . .4 Processing . 8–6 . . . . . . . . . . . .Visa Integrated Circuit Card Application Overview. . . . . . . . . . . . . . . . . . .2. . . . . 8–10 8. . . . . . . . . . . . . . . . . . . . . . 8–7 . . . . . . . 9–8 . . . . .7 Random Transaction Selection . . . . .2 Terminal Data . . . . . . . . . . . 9–4 9. . . . . . . . . .6 Fail CVM . . . . . . . . . . . . . . . . . . . . . . . . .4. . .

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

. . . 13–3 13. . Version 1. . . . . . . . . . . . .1. . . 12–7 . . . . . . . . . . . . . . . . . . . . . . . . . . . .0 Contents 12. 13–7 13. . . . . . . 13–7 13. . . .2 Terminal Data . . . . . . . .3 GENERATE Application Cryptogram (AC) Command . . . . . . . . . 13–6 13. . . . . . . . . . . .1 Transaction Authorized Offline . . . . . .4 Commands . . . . . . . . . . . . . . . . . . . .3 Online Authorization Unable to Complete . . .2 Online Authorization Unable to Complete . . . . . . . . .5. . . . . . . .4 Processing . . . . . . . . . . . . . . . .3 Terminal Completes Transaction . . .5. . . . . . . . . . 12–8 . .4. . . . . . . . . . . . . . 12–5 12. . . . . .2 Card Responds to Final GENERATE AC Command . . . . 12–6 12. . . .1. . . . . . . . . .4. . . . . . . . . . . . . . . . .5. . . . .2 Online Authorization Completed Successfully . . . . . . . . . . . 12–5 12. . . . .1 Combined DDA/AC Generation Processing 12.1 Card Data . .4. . . . . . 13–9 13.6 Prior Related Processing Draft 12/18/00 31 Oct 2001 Visa Public vii . . . . . . . . . . . . 12–8 12. . . . . . . . . 13–8 13. .5. . . . . . . . . . . . . . .4. . . . 13–4 13. . 13–6 13. . . . . . . . . . 13–5 13.4 Processing Flow 12. . 13–5 13. . 13–11 13. . . . . . . . . . . 12–5 12.4. . . .5 Processing . . . . .5 Flow . . . . . . . . 12–5 .1. . .4. . . . . . .2. . . . . . . . . . . .1. . . . . . 13–4 13. . . . . . . 12–5 12. . . . . . . . . . . . . . .1 Online Authorization Completed . . . . .2 Standard Online Processing . . .Visa Integrated Circuit Card Application Overview. .5. . . .2. . 12–4 12.5. . . .4. .4. . . . . . . .1 Online Request . . . . . . . . . . . . . . 13–5 13. . . . . . . . . . .7 Subsequent Related Processing Chapter 13 • Completion 13. . 13–10 . . .1. . . . . .2 Online Response . . . . .6 Prior Related Processing . . . . . . .1 Terminal Determines Transaction Disposition . . . .3 Issuer Authentication . . . . . . .4. . . .

.6. . 14–3 14. . . . . . . .0 Chapter 14 • Issuer-to-Card Script Processing 14. . . . . . . . . . . . . 14–5 14. . . . . . . . . . . . . . . . . . . . . . .1. 14–3 14. . . . . . . . . . . 14–6 . . . . . . . . . . . . . . . . . . . . . .7 Processing Flow . . 14–8 14. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Message Authentication Code Keys . . . . . . . . . . . . . . . 14–10 14. . . . . . . . . . . . . . . . . . .4. . . .Contents Visa Integrated Circuit Card Application Overview. . .2 Card Data .6 Processing .1 Script-Related Keys . . . . . . . . .1 Issuer Scripts . . . . . . . . . . . . . . . . . . . . . . . .2 Data Encipherment Keys . . . . . . . . . .1. . . .2 Command Processing . . . .3 Secure Messaging . . . . 14–5 14. . . . . . . . . . . . . . . . 14–8 14. . . . . . . . . 14–8 14. . .5 Commands 14. . . . . . . . . . . . . . . . . . . . . . . .6. . . . 14–9 14. . . . . .4 Online Response Data . . . Version 1. . . 14–3 14. . . . . .6. . . . . . . . . . . . . . . 14–11 Appendix A • Acronyms Glossary Index Draft 12/18/00 viii Visa Public 31 Oct 2001 . . . . .3 Terminal Data . . 14–11 14.8 Prior Related Processing . . . . . . . . . . . 14–4 14.9 Subsequent Related Processing . . . .

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

Figures Visa Integrated Circuit Card Application Overview.4.0 Draft 12/18/00 x Visa Public 31 Oct 2001 . Version 1.

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

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

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 . 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. 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. 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. The objective of the Visa Integrated Circuit Card Specification is to: q Communicate the implementation details of Europay. However. please refer to Chapter 2. VIS builds on the EMV requirements in order to support the Visa payment service rules. the two specifications should be used together for reference and development purposes. MasterCard. To facilitate understanding of the differences between these two specifications. Processing Overview.

3.0 1.0. Version 1. vendors.2. An impact summary highlighting the differences between VIS 1.2 and the current version. Version 4. is provided later in this chapter. enhancements to VSDC functionality.0. VIS 1. and corrections and clarifications to VIS 1.1 Audience This document is intended for members.3.2.4.4. and readers seeking a technical understanding of the functionality of chip cards and terminals supporting Visa Smart Debit and Visa Smart Credit programs. Draft 12/18/00 1–2 Visa Public 31 Oct 2001 . 1.2 VIS Update This document serves as an update to VIS 1.About This Specification Visa Integrated Circuit Card Application Overview. The update includes changes reflecting EMV 2000 Integrated Circuit Card Specification for Payment Systems.3.

the term “integrated circuit” may be used.3. however. 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. Visa’s minimum requirements are designated using the terms “mandatory”.4.0 1. “required”. 1. 1.3 Terminology This section provides clarification on several terms used throughout the specification.” Elective data elements and functions are designated using the terms “optional” or “may.Visa Integrated Circuit Card Application Overview.” Recommended functionality is designated in the document using the term “should. must not interfere with global interoperability. All other functionality is optional and not required. To this end.” Markets can customize their programs beyond the minimum requirements through adoption of the optional functions and through proprietary processing. 1. Draft 12/18/00 31 Oct 2001 Visa Public 1–3 .3 Terminology 1. Proprietary processing.1 Mandatory/Required/Recommended/Optional Visa’s philosophy is to facilitate market requirements while ensuring global interoperability. When it is necessary to distinguish between the chip itself and another card feature such as the magnetic stripe. and “shall.2 Card/Integrated Circuit In general.3 Terminated Transactions When the term “terminal terminates transaction” is used. the term “card” is used to describe functions performed by the VSDC application on the card.3. 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.

supported by both the card and terminal.1 Volume Overview The document is organized into three volumes. Version 1. 1. q Application Volume—This volume provides a technical overview of the processing between the card and terminal.About This Specification Visa Integrated Circuit Card Application Overview. Chapter 2.4. and a list of reference materials. requirements from EMV may be restated in the various volumes and. information is replicated in the three volumes to provide comprehensive information. Processing Overview—This chapter provides an overview of the each function and highlights whether the function is mandatory or optional. and an index. Terminal Volume—This volume specifies the technical details of EMV related to the data and processing performed by the terminal. It begins with an overview of the three volumes. 1. and concludes with the subheading structure of each chapter. q q To provide clarity. Chapter 3. Card Volume—This volume specifies the technical details of EMV related to the data and processing performed by the card.4 Document Structure This section provides an overview of the structure of the Visa Integrated Circuit Card Specification. a glossary. This volume may be used as an overview to understand the processing and sequence of events involved in a VSDC transaction flow. It also includes additional Visa specific requirements for terminal functionality.4. Each volume includes a list of acronyms. It also includes additional Visa specific requirements for card functionality. Vendors involved in the creation of the VSDC terminal application should focus on this document for their development efforts.4. About This Specification—This chapter provides an overview of the VIS specification.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. is followed by an overview of each chapter.0 1. will be used to conduct the transaction. Vendors involved in the creation of the VSDC card application should focus on this document for their development efforts. a summary of revisions for this version of the VIS documents. Draft 12/18/00 1–4 Visa Public 31 Oct 2001 . where necessary. Application Selection—This function determines which of the applications. VIS terminology.

Completion—During this function. or sent online for an authorization. the card receives any terminal data which was requested by the card during Application Selection. the card and the terminal conclude transaction processing. Draft 12/18/00 31 Oct 2001 Visa Public 1–5 . Chapter 14. Terminal Risk Management—During this function. application version checks. the terminal ensures that higher-value transactions are sent online and that chip read transactions go online periodically. is performed. Card Action Analysis—During this function. This risk management check protects against threats that might be undetectable in an offline environment.0 1. effective and expiration dates checks. Offline Data Authentication—During this function.4 Document Structure Chapter 4. the card applies post-issuance changes sent from the issuer. the terminal reads the data records necessary for the transaction from the card. Cardholder Verification—During this function. Chapter 8. internal to the card. Chapter 7. Chapter 12. Terminal Action Analysis—During this function. Chapter 5.4. the terminal applies rules set by the issuer in the card and by the acquirer in the terminal to the results of offline processing. declined offline. Chapter 11. Online Processing—During this function. the issuer’s host computer reviews and authorizes or rejects transactions using the issuer’s host-based risk parameters. Chapter 13. This analysis determines whether the transaction should be approved offline. Chapter 9. Chapter 10. Processing Restrictions—During this function. the terminal authenticates data from the card using RSA public key technology. and other checks are performed by the terminal at the point of transaction. Read Application Data—During this function. the terminal determines the cardholder verification method (CVM) to be used and performs the selected CVM.Visa Integrated Circuit Card Application Overview. velocity checking and other risk management. Issuer-to-Card Script Processing—During this function. Initiate Application Processing—During this function. Version 1. Chapter 6.

Data element tags are listed when multiple tags are associated with a single data element name. Terminal Data—Provides the mandatory and optional data elements needed in the terminal to support the function.3 Subheading Overview For ease of use. Visa payment service rules.5 Revisions to This Specification Revisions to this specification may be required to accommodate future EMV changes. If there are several functions within a process. q 1. Processing—Provides the technical details of the function. Subsequent Related Processing—Outlines subsequent processing to aid in understanding future activities related to this function. Version 1. q q q q Prior Related Processing—Outlines prior processing to aid in understanding previous activities related to this function. NOTE: Flowcharts are representative of processing and may not include all steps that may be performed. Data element tags are listed when multiple tags are associated with a single data element name.4. or market needs. The impacts of these changes will be communicated in the VIS changes list or in an update to this document. Commands—Provides the requirements for the commands used to support the function.4. they may be listed separately. Draft 12/18/00 1–6 Visa Public 31 Oct 2001 .About This Specification Visa Integrated Circuit Card Application Overview. 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.0 1.

1 Terminal This section includes mandatory and optional changes.1.4.6.Visa Integrated Circuit Card Application Overview. the terminal shall save the Data Authentication Code (if present) and ICC Dynamic Number after recovery. Version 1. The terminal shall not allow Partial Selection during Application Selection if the terminal indicators show it is not supported for the AID.0 (April 2001).1 Mandatory q If the Directory method of Application Selection fails. During SDA and DDA. The EMV Combined DDA/Generate AC option is included as a terminal option. migration requirements. ATMs supporting Offline PIN shall support CVM List processing. q q q Draft 12/18/00 31 Oct 2001 Visa Public 1–7 . 1.6.2 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. q q q q 1.6 Impact Summary The following is an outline of changes and additional functionality from both a card and terminal perspective for VIS 1. Terminal support for Visa Low-value Payment feature of VSDC. 1.1.0. The testing of terminals to support mandatory changes shall be aligned with the EMV 2000. Secure transfer of the PIN from the PIN pad to the card reader is required.4.6.6 Impact Summary 1. the terminal shall switch to the List of AIDs method. The public key encipherment used in the Offline Enciphered PIN processing may occur either in the PIN pad or in the card reader.0 1. the terminal shall validate that the only tag it contains is the tag for the AIP. Refer to the EMVCo website for information on testing schedules. Version 4.

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.About This Specification Visa Integrated Circuit Card Application Overview. q q q q q Draft 12/18/00 1–8 Visa Public 31 Oct 2001 . The EMV Combined DDA/Generate AC option is included as a VSDC card option. Support of Cardholder Verification must be indicated in the Application Interchange Profile and a CVM List is required.1 and 1.0 terminals. The Online Authorization Indicator is no longer reset after offline approval.3. Changes are backward compatible and cards tested under versions 1. 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. the only tag in the list must be “82”. Cryptogram Version 14. To ensure interoperability and backward compatibility cards should begin compliance immediately.6. Version 1.2 Optional q The Issuer Public Key length may equal that of the corresponding Visa CA Public Key. is referenced as a VIS option.0 1. A new cryptogram generation method. The EMV optional session key generation method is referenced as a VIS option.4. q q q 1.1 Mandatory q If a card is personalized with an SDA Tag List.2. the tag for the Application Interchange Profile.3. 1.2 will continue to work in the new devices.2.2 Card This section includes mandatory and optional changes. Contact the CAA for information on testing schedules.6. Prior to adding this requirement to EMV a survey was conducted to determine if the SDA tag list was being utilized. The results indicated that it was not in use and that the requirement could be added to EMV.6. Cumulative amounts are no longer incremented for offline declines. The ICC Public Key length may equal that of the corresponding Issuer Public Key. An SDA tag list that does not comply will result in Offline Data Authentication failure in EMV 4.

Version 1. 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.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.0 1. q q q Draft 12/18/00 31 Oct 2001 Visa Public 1–9 .4. The Visa Low-value Payment feature of VSDC has been added.

ISO 3166:1997. Identification Cards—Identification of Issuers. ISO 8859:1987. Codes for the Representation of Names and Languages. ISO/IEC 7810:1995. ISO 4217:1995. Identification Cards—Integrated Circuit Cards with Contacts—Part 4: Interindustry Commands for Interchange.1 International Organisation for Standardisation (ISO) Documents Information on ordering these documents is available on http://www. contact your Visa member representative. Identification Cards—Financial Transaction Cards ISO/IEC 7816-4:1995.0 1. ISO 8583:1993. Banking—Personal Identification Number Management and Security. ISO 9564:1991. ISO/IEC 7813:1995. The websites for obtaining these documents or information on obtaining them are listed below. ISO/IEC 7811:1995.ch q ISO 639:1988. Codes for the Representation of Names of Countries. ISO/IEC 7816-5:1994. Financial Transaction Card Originated Messages—Interchange Message Specifications. Information Processing—8-bit Single-Byte Coded Graphic Character Sets. q q q q q q q q q q q q Draft 12/18/00 1–10 Visa Public 31 Oct 2001 . ISO/IEC 7812:1994. For additional information. Identification Cards—Integrated Circuit Cards with Contacts—Part 5: Numbering System and Registration Procedure for Application Identifiers.7.iso. Identification Cards—Recording Technique. Codes for the Representation of Currencies and Funds. Bank Card Originated Messages—Interchange Message Specifications—Content for Financial Transactions. Identification Cards—Physical Characteristics. Version 1.4. 1.7 Reference Materials The following documents contain additional information on Visa Smart Debit and Visa Smart Credit.About This Specification Visa Integrated Circuit Card Application Overview. ISO 8583:1987.

December. Attendant and Acquirer Interface Requirements.4. Version 1. and Terminal Specification) (VIS .0.emvco. Application Specification.com/nt/chip/visdownload. Security and Key Management. It summarized Visa’s present testing services. December. and pricing.visa.7 Reference Materials 1.0. Book 3.com. Book 4. test requirements and test cases for EMV levels 1 and 2 may be obtained through the EMVCo website www. Card Specification.2 EMV Documents Available on the EMVCo Website: http://www. Application Independent ICC to Terminal Interface Requirements. EMVCo specifications.7.0) VIS Corrections and Updates q Available on the Visa website: http://visa. EMV 2000 Integrated Circuit Card Specification for Payment Systems.com/nt/suppliers/vendor q Chip Card Products: Submission Requirements—Describes Visa International requirements for approval of new and upgraded chip card products.emvco. Version 4.4.2 and 1. type approval administrative documentation. EMV 2000 Integrated Circuit Card Specifications for Payment Systems. 2000.0. EMV 2000 Integrated Circuit Card Specifications for Payment Systems.3. 2000. Book 2. Version 4.Visa Integrated Circuit Card Application Overview.3 Visa Documents Available on the Visa website: http://wwws2.0 1.7. Visa supports and recognizes approvals by EMVCo. policies. Version 4. Cardholder. Draft 12/18/00 31 Oct 2001 Visa Public 1–11 . q Chip Card Products: Testing and Approval Requirements—Describes Visa International requirements for approval of new and upgraded chip card products. December. Version 4. 2000. q q q 1.com/specifications. December. 2000. EMVCo is the owner of the EMV Integrated Circuit Card Specifications for Payment Systems. Book 1.html q Visa Integrated Card Specification (Application Overview.cfm q EMV 2000 Integrated Circuit Card Specification for Payment Systems. LLC for EMV level 1 (Interface Module) and EMV level 2 (device application).versions 1.0.

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. and step-by-step activities to assist with implementation for VSDC Acquirers. suggestions. 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. and step-by-step activities to assist with implementation for VSDC Acquirers.4. 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.0 q Common Personalization—A guide to a common approach to personalization of all applications. Visa Smart Debit/Visa Smart Credit Service Description—A document focusing on the features and benefits of the service. Visa Smart Debit and Visa Smart Credit Member Implementation Guide for Issuers—Describes best practices. suggestions. considerations. q q q q q Draft 12/18/00 1–12 Visa Public 31 Oct 2001 . 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. NOTE: This guide is the final authority for non-application specific requirements. Version 1. business aspects. technical aspects and other regional tasks associated with completing a member implementation of VSCD. 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. VSDC Service Activation Guide (SAG)—Describes planning considerations. Visa Cash—Information and procedures related to the Visa Certificate Authority including Visa Certificate Authority Public Keys and Issuer Public Key Certificates. Visa Smart Debit and Visa Smart Credit Member Implementation Guide for Acquirers—Describes best practices. Common Personalization for Visa Smart Debit and Credit (VSDC)—A guide to personalization of VSDC Applications using the Common Personalization Approach.

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.pdf q Visa Smart Debit and Visa Smart Credit System Technical Manual—A document that describes the changes to VisaNet to support VSDC.Visa Integrated Circuit Card Application Overview.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. PIN-related security.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. q q q Available on Visa InSite or through a Visa regional representative: http://insite/dept/buspubs1/library/vsmart/techlet.0 1. Version 1. 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. Visa Certification Management Service (VCMS) Testing and Certification Guide-VIP System. 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). 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. Member Version—A guide for the VIP System component of the VisaNet Certification Management System. Visa Smart Payment Operating Principles Guide—Board-approved payment service principles for Visa Smart Debit and Visa Smart Credit. 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. Draft 12/18/00 31 Oct 2001 Visa Public 1–13 . VisaNet Card Technology Standards Manual—The standards applied to PINs.4.

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

2 Initiate Application Processing/Read Application Data (mandatory) When a VSDC application is selected. Offline Static Data Authentication (SDA) validates that important application data has not been fraudulently altered since card personalization. 2.1. Version 1. The terminal decrypts this dynamic signature using the ICC Public Key recovered from card data. Draft 12/18/00 2–2 Visa Public 31 Oct 2001 . 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. The terminal validates static (unchanging) data from the card using the card’s Issuer Public Key.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.4. The card may indicate different data or different support functions based upon characteristics of the transaction such as domestic or international. Offline Dynamic Data Authentication (DDA). A match of the recovered hash with a generated hash of the actual application data proves that the data has not been altered. which is stored on the card inside a public key certificate and a digital signature. With Standard DDA. validates that the card data has not been fraudulently altered and additionally validates that the card is genuine. the terminal requests that the card generate a cryptogram using dynamic (transaction unique) data from the card and terminal and an ICC Private Key.1. like SDA. The terminal reads the data indicated by the card and uses the supported function list to determine the processing to perform. With Combined DDA/AC Generation.0 2. 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.Processing Overview Visa Integrated Circuit Card Application Overview. which contains a hash of important application data encrypted with the Issuer Private Key. DDA has two forms: Standard DDA and Combined DDA/Generate AC. the terminal requests that the card indicate the data and functions supported for that application and the functions supported.

1. Terminal Risk Management also includes optional velocity checking by the terminal using data elements from the card. The CVM List may also specify other methods of cardholder verification. Under certain conditions. goods.4 Processing Restrictions (mandatory) The terminal performs Processing Restrictions to see whether the transaction should be allowed. and whether any Application Usage Control restrictions are in effect. or cashback. 2. An issuer may use Application Usage Controls to restrict a card’s use for domestic or international. The terminal checks whether the effective date for the card has been reached. the limit for consecutive offline transactions has been exceeded. whether the application versions of the card and terminal match. the terminal may use a default CVM as defined by Visa International Operating Regulations.4. Version 1. the account number is on an optional terminal exception file. the card is a new card.0 2. 2. which compares it to a Reference PIN stored secretly in the card. If the CVM is offline PIN. or the merchant has forced the transaction online.1. Terminal velocity checking results are considered during Terminal Action Analysis.Visa Integrated Circuit Card Application Overview. the terminal prompts the cardholder for a PIN and transmits the cardholder-entered PIN to the card.1 Functional Overview 2. which consider the capabilities of the terminal and characteristics of the transaction to prompt the cardholder for a specific method of cardholder verification. The terminal uses a Card Verification Method (CVM) List from the card to determine the type of verification to be performed. Visa recommends support for velocity checking by the card and the data elements used card velocity checks are defined by Visa.6 Terminal Risk Management (mandatory) Terminal Risk Management checks whether the transaction is over the merchant floor limit. The CVM List establishes a priority of cardholder verification methods.1. MasterCard. whether the card has expired.5 Cardholder Verification (mandatory) Cardholder verification is used to ensure that the cardholder is legitimate and the card is not lost or stolen. services. or no cardholder verification required. cash. Card velocity checking results are considered during Card Action Analysis Draft 12/18/00 31 Oct 2001 Visa Public 2–3 . signature. and Visa (EMV) specifications. such as online PIN. The card data elements used are those defined by Europay. Some transactions are randomly selected for online processing.

It returns this cryptogram to the terminal. and count or amount velocity checking limits having been reached. Version 1. After determining the transaction disposition. During online processing.1. 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 generates the application cryptogram using application data and a secret DES key stored on the card.1. The card may convert a terminal request for an offline approval to an online transaction or an offline decline. This message includes the ARQC cryptogram.1. For offline declined transactions. and the card may convert an online request to an offline decline. failure of Issuer Authentication or offline data authentication failure on a previous transaction. Processing Restrictions. and indicators showing offline processing results. and Cardholder Verification and rules set in the card and terminal to determine whether the transaction should be approved offline. Terminal Risk Management. the TC and the data used to generate it are transmitted in the clearing message for future cardholder disputes or chargeback purposes. The issuer may consider these CAM results and the offline processing results in its authorization decision. sent online for authorization. Draft 12/18/00 2–4 Visa Public 31 Oct 2001 . the issuer validates the ARQC to authenticate the card in a process called Online Card Authentication (CAM).Processing Overview Visa Integrated Circuit Card Application Overview. These may include checks for prior incomplete online transactions. the cryptogram type is an AAC. 2. or declined offline. After completion of the checks. 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. The type of application cryptogram is based upon the transaction disposition with a Transaction Certificate (TC) for an approval. the terminal transmits an online authorization message to the issuer if the terminal has online capability. The card cannot override a terminal decision to decline a transaction. 2. and an Application Authentication Cryptogram (AAC) for a decline.7 Terminal Action Analysis (mandatory) Terminal Action Analysis uses the results of Offline Data Authentication. the data used to generate the ARQC. or both.4. 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). For offline approved transactions. an Authorization Request Cryptogram (ARQC) for an online request.0 2. the terminal requests an application cryptogram from the card.8 Card Action Analysis (mandatory) Upon receiving the application cryptogram request from the terminal.9 Online Processing If the card and terminal determine that the transaction requires an online authorization.

2.1 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 terminal must generate a reversal for issuer-approved transactions which are subsequently declined by the card. An issuer-approved transaction may be converted to a decline based upon Issuer Authentication results and issuer-encoded parameters in the card. Issuer Authentication results. Successful Issuer Authentication may be required for resetting certain security-related parameters in the card. Supported script commands allow updating offline processing parameters. The response may also include post-issuance updates to the card called Issuer Scripts. 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. the Authorization Response Code. blocking the card. 2.0 2. resetting the Offline PIN Try Counter. and issuer-encoded rules to determine whether to reset card-based counters and indicators. the terminal passes the script commands to the card. blocking and unblocking the application.4.11 Completion (mandatory) The card and terminal perform final processing to complete the transaction. Prior to applying the updates.1. subsequent transactions for the card will be sent online for authorization until Issuer Authentication is successful. and the card’s secret DES key). and changing the Offline PIN value.Visa Integrated Circuit Card Application Overview. the TC is transmitted in the clearing message. Draft 12/18/00 31 Oct 2001 Visa Public 2–5 . Version 1. the card performs security checking to assure that the script came from the valid issuer and was not altered in transit. If the authorization response contains an ARPC and the card supports Issuer Authentication.1. The Issuer has the option to set up the card to decline the transaction if Issuer Authentication fails. With single message systems or systems involving acquirer host data capture of approved transactions.10 Issuer-to-Card Script Processing If the issuer includes script updates in the authorization response message. If Issuer Authentication fails. If the terminal transmits a clearing message subsequent to an authorization message. The card uses the transaction disposition. the card performs Issuer Authentication by validating the ARPC to verify that the response came from the genuine issuer (or its agent). The card generates a TC for approved transactions and an AAC for declined transactions.

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 .4.If DDA 2 .Processing Overview Visa Integrated Circuit Card Application Overview.If Offline PIN Generate Dynamic Cryptogram INTERNAL AUTHENTICATE Command/Response 1 Offline Data Authentication SDA or DDA Processing Restrictions Generate Unpred.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 Offline Enciphered PIN 3 . Version 1.

0 2.2 Mandatory and Optional Functionality 2. regional.2.4. Support for conditional functions is required if the associated condition is true.Visa Integrated Circuit Card Application Overview. 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 .1 Card Functional Requirements VSDC cards must support the mandatory functions shown in Table 2–1. or Visa rules.2 Mandatory and Optional Functionality 2. Optional functions may be supported at the issuer’s discretion or may be required by market. Version 1.

4. 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 . IACs required (VIS) Mandatory (EMV) Mandatory (EMV) Optional (EMV). 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).Processing Overview Visa Integrated Circuit Card Application Overview. Chapter 11.

0 2. etc.2 Terminal Functional Requirements VSDC terminals are required to support the mandatory functions shown in Table 2–2. Support for conditional functions is required if the associated condition is true.2.) q q Draft 12/18/00 31 Oct 2001 Visa Public 2–9 . or Visa operating regulations. Online PIN. regional. signature. Optional functions may be supported at the merchant or acquirer’s discretion or may be required by market.2 Mandatory and Optional Functionality 2.Visa Integrated Circuit Card Application Overview. 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.4. Version 1.

Processing Overview Visa Integrated Circuit Card Application Overview. Version 1.0 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 .4.

Version 1. using APPLICATION UNBLOCK is recommended (VIS) Card blocking capability is recommended.0 2.2 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 .4.2. If supported.3 Command Support Requirements Card and terminal support for the VSDC commands is shown in Table 2–3. Method used may be PIN CHANGE/UNBLOCK (VIS) PIN Change—Optional. using APPLICATION BLOCK is recommended (VIS) Application unblocking capability is optional. Table 2–3: Command Support Requirements (1 of 2) Command APPLICATION BLOCK Card Support Application blocking capability is optional. 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.Visa Integrated Circuit Card Application Overview.

A reset without a financial transaction can also take place at a dedicated online unattended device. VLP supports a cumulative amount limit and a per transaction amount limit. refer to Appendix G of the Card Volume and Appendix D of the Terminal Volume of this specification. which performs an online status check. standard VSDC velocity checking counters are not incremented by VLP transactions. Since VLP consists of many low-value transactions.1 Overview Risk management features may differ from those supported for non-VLP VSDC and are selected by the issuer.Processing Overview Visa Integrated Circuit Card Application Overview. Draft 12/18/00 2–12 Visa Public 31 Oct 2001 . 2. 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.3. Version 1. For details on VLP.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. adding these transactions to standard VSDC velocity checking counters could cause VSDC transactions to be processed online more frequently than intended by issuers.4.0 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.

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. A single application from this list is identified and selected to process the transaction.4 Building the Candidate List 3. This process takes place in two steps: 1.2 Terminal Data 3. 2.3 Commands 3. The terminal builds a candidate list of mutually supported applications. This chapter is organized into the following sections: 3.6 Flow 3.7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 3–1 .1 Card Data 3.5 Identifying and Selecting the Application 3.

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

2 Terminal Data 3. 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 PDOL is used during Initiate Application Processing. and the language in which information is displayed to the cardholder. This information may be issuer preferences as to the priority in which the application is selected. Application Selection Indicator List of supported applications 3.0 3. Appendix A. Draft 12/18/00 31 Oct 2001 Visa Public 3–3 . In response to the READ RECORD command. The terminal shall maintain a list of application AIDs supported by the terminal.2 Terminal Data The terminal data elements used in Application Selection are listed and described in Table 3–2. There is only one Application Selection Indicator per AID in the terminal and its format is at the discretion of the terminal vendor. 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).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. the card provides the requested record to the terminal. response codes are used to indicate processing results. Card and Issuer Data Elements Table. or only up to the length of the AID in the terminal. For a detailed description of these elements and their usage.4. 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.Visa Integrated Circuit Card Application Overview. if present on the card. Indicates whether the associated AID in the terminal must exactly match the AID in the card including the length of the AID. refer to the Visa Integrated Circuit Card Terminal Specification. Version 1. The AID identifying the Visa Debit Credit application is “A0000000031010”. The card’s response contains the Processing Options Data Object List (PDOL). the name of the application.

the terminal should issue a SELECT command for the application with the next highest priority. the transaction is terminated. If the card response indicates that the card also supports the application. If there is at least one mutually supported application. In the List of AIDs Selection Method. the processing is as described in the following sections. This file is a list of the applications supported by the card. the card’s response to the SELECT command may indicate that the application is blocked.Application Selection Visa Integrated Circuit Card Application Overview. the terminal uses the List of AIDs Method. the terminal reads a file from the card. List of AIDs Selection Method is mandatory for cards and terminals.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. If the Directory Selection Method was used to build the list of applications. The terminal includes any applications listed on both the card list and the terminal list on the candidate list.4 Building the Candidate List There are two approaches used by the terminal to build a list of mutually supported applications. the terminal issues a SELECT command for each terminal-supported application in a list contained in the terminal. but if supported by the terminal.0 3.5. the terminal may issue a SELECT command for either application. In the Directory Selection Method. q NOTE: Terminals may eliminate applications from the final candidate list under conditions specified in Visa Operating Principles and Regulations. Draft 12/18/00 3–4 Visa Public 31 Oct 2001 .5 Identifying and Selecting the Application If there are no mutually supported applications. 3. If the Directory Selection Method is attempted and fails. If this occurs. and there are more available applications on the list of available applications. the terminal adds the application to the candidate list. q Directory Selection Method is optional for cards and terminals. If more than one application has the highest priority.4. Version 1. 3. it is attempted first.

If the Directory Selection Method was used to build the list of applications. If the cardholder does not select an application. but supports cardholder confirmation of an application shall first request cardholder confirmation for the highest priority application.5 Identifying and Selecting the Application 3.2. If more than one application is given the same priority. the card’s response to the SELECT command may indicate that the application is blocked. and there are more available applications on the list. the card’s response to the SELECT command may indicate that the application is blocked.2 Cardholder Makes Account Decision 3. The cardholder selects the application from the list and the terminal uses the SELECT command to select the application. If more than one application has the same priority.Visa Integrated Circuit Card Application Overview. the terminal offers the next highest priority application until the cardholder confirms or there are no more available applications. If the Directory Selection Method was used to build the list of applications.5.1 Terminal Supports Cardholder Confirmation A terminal that does not support cardholder selection from a list of displayed applications.0 3. If the cardholder does not confirm. the terminal may process in the order encountered or choose one of the 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. the terminal may display them to the cardholder in the order encountered or decide the priority.5.2. If this occurs. 3. If the cardholder confirms the choice. the terminal terminates the transaction.4.2 Terminal Supports Cardholder Selection A terminal that supports cardholder selection shall present a list of applications in priority order to the cardholder for selection. Draft 12/18/00 31 Oct 2001 Visa Public 3–5 . Version 1.5. If this occurs. the terminal should display “Try Again” and display the list of available applications excluding the rejected applications. and there are more available applications on the list.

4. Version 1.0 3.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 .

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 .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. the PDOL was included in the SELECT response during Application Selection. Version 1.7 Subsequent Related Processing 3.4.Visa Integrated Circuit Card Application Overview.0 3. If supported. If geographic restrictions do not permit the selected application to be initiated.

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This chapter is organized into the following sections: 4. The card responds to the GET PROCESSING OPTIONS command with the Application File Locator (AFL).4 Terminal Processing 4.6 Terminal Processing 4. 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.8 Prior Related Processing 4. a list of functions to be performed in processing the transaction.Initiate Application Processing 4 During Initiate Application Processing.1 Card Data 4.3 GET PROCESSING OPTIONS Command 4. When issuing this command. The card also provides the Application Interchange Profile (AIP).9 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 4–1 . optionally provided by the card to the terminal during Application Selection.2 Terminal Data 4. the terminal supplies the card with any recognized data elements requested by the card in a Processing Options Data Objects List (PDOL).5 Card Processing 4. a list of files and records that the terminal needs to read from the card.7 Flow 4.

A list that indicates the capability of the card to support specific functions in the application (Static Data Authentication (SDA). For a detailed description of these elements and their usage. 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. refer to the Visa Integrated Circuit Card Specification.4. Card and Issuer Data Elements Table. international transactions or both. Visa proprietary data element indicating whether a card supports domestic transactions. Appendix A. Version 1.Initiate Application Processing Visa Integrated Circuit Card Application Overview. Dynamic Data Authentication (Standard DDA). The PDOL is an optional list of tags and lengths for terminal data requested by the card. Used in the Geographic Restrictions check if this check is supported by the card. The terminal provides the data requested in the list to the card in the GET PROCESSING OPTIONS command. It is part of the FCI obtained from the card by the terminal using the SELECT command. The FCI is information from the card about the application that is provided in response to the SELECT command issued by the terminal. and Combined DDA/AC Generation. Visa proprietary data element indicating the issuer’s country code. 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 . 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.1 Card Data The card data elements used in Initiate Application Processing are listed and described in Table 4–1. Issuer Authentication.0 4. Cardholder Verification.

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

If geographic restrictions are not checked. Returns to Application Selection 3. Proceeds to Read Application Data Draft 12/18/00 4–4 Visa Public 31 Oct 2001 . the card responds to the GET PROCESSING OPTIONS command with an error code “Conditions of use not satisfied”. the terminal: a.4.0 4. to determine if restrictions apply. Receives the card response to the GET PROCESSING OPTIONS command If the card responds with “Conditions of use not satisfied”. If the card responds with the AFL and the AIP. Performs Geographic Restrictions Check. or are checked and do not apply. 2. Determines the files and records that are to be read (they may differ for domestic/international) and locates or builds the AFL. 2.Initiate Application Processing Visa Integrated Circuit Card Application Overview. 3. the card increments the Application Transaction Counter (ATC) by 1 and responds to the GET PROCESSING OPTIONS command with the AIP and AFL.6 Terminal Processing The terminal processes the response to the GET PROCESSING OPTIONS command from the card as follows: 1. 4. the card performs the following actions: 1. if supported. The terminal may return a different AIP in the response to GET PROCESSING OPTIONS. 4. If Geographic Restrictions are checked and apply. Removes the application from the list of available applications b.5 Card Processing Upon receiving the GET PROCESSING OPTIONS command. 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. Version 1. the terminal: a.

0 4.4.7 Flow 4.Visa Integrated Circuit Card Application Overview.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 . Version 1.

4.Initiate Application Processing Visa Integrated Circuit Card Application Overview.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.0 4. 4. 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. Draft 12/18/00 4–6 Visa Public 31 Oct 2001 . 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. 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. Version 1.9 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.

3 READ RECORD Command 5. 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).5 Flow 5.1 Card Data 5.2 Terminal Data 5.6 Prior Related Processing 5.7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 5–1 .Read Application Data 5 During Read Application Data.4 Processing 5.

Read Application Data Visa Integrated Circuit Card Application Overview. Version 1. The SFI is a number used to uniquely identify application data files. Card and Issuer Data Elements Table. The terminal uses the card data structures described in Table 5–2 during Read Application Data. An AEF consists of a sequence of records that are addressed by record number. Table 5–2: Read Application Data—Card Data Data Element Application Elementary Files (AEF) Description Card data files containing data used for application processing. It is listed in the AFL and used by the terminal to identify the files to be read.4. 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. The READ RECORD command contains a designation of the SFI and record number to be read.1 Card Data A detailed description of these card data elements and their usage is found in the Visa Integrated Circuit Card Specification.0 5. which the terminal obtains from the AFL. Short File Identifier (SFI) Draft 12/18/00 5–2 Visa Public 31 Oct 2001 . 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. 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. Appendix A.

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

Read Application Data Visa Integrated Circuit Card Application Overview. 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 . 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.4.5 Flow Figure 5–1 shows how Read Application Data might be performed.0 5. Version 1.

Draft 12/18/00 31 Oct 2001 Visa Public 5–5 . Other Functions Other functions use the data read during Read Application Data for processing.6 Prior Related Processing 5.7 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. 5.0 5. Version 1.6 Prior Related Processing Initiate Application Processing The terminal receives the AFL from the card for use in Read Application Data.4.Visa Integrated Circuit Card Application Overview.

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

6 Subsequent Related Processing Draft 12/18/00 6–2 Visa Public 31 Oct 2001 .3 Static Data Authentication (SDA) 6.Offline Data Authentication Visa Integrated Circuit Card Application Overview.4 Dynamic Data Authentication (DDA) 6.2 Determining Whether to Perform SDA or DDA 6.5 Prior Related Processing 6.0 This chapter is organized into the following sections: 6. Version 1.1 Keys and Certificates 6.4.

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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Visa Integrated Circuit Card Application Overview, Version 1.4.0

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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Visa Integrated Circuit Card Application Overview, Version 1.4.0

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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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 . Figure 6–2: DDA Data—Key Relationships Issuer Initial Setup Issuer Private Key .4.0 The relationship between the data and the cryptographic keys for DDA is shown in Figure 6–2.PK ICC Issuer PK Certificate ICC Public Key Cert (PKICC signed w/ SKI) Card Transaction Card READ RECORD response with CA PK Index. 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. & ICC PK Certtificate Terminal Card INTERNAL AUTHENTICATE* or first GENERATE AC** command . Issuer PK Certificate.Offline Data Authentication Visa Integrated Circuit Card Application Overview.SK ICC ICC Public Key . .Calculates Dynamic Signature using SK ICC . .Validates Dynamic Signature using PK ICC Draft 12/18/00 6–6 Visa Public 31 Oct 2001 .SK I Issuer Public Key .Uses PKCA to get PKI from Issr PK Cert.Uses PKI to get PKICC from ICC PK Cert.Validates static data hash in ICC PK Cert.

4. Version 1. and SDA next.0 6. 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 6–1 indicates the method of offline data authentication to be performed based on card and terminal support.2 Determining Whether to Perform SDA or DDA 6.Visa Integrated Circuit Card Application Overview.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. Standard DDA next. Standard DDA. 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.

3 Static Data Authentication (SDA) When SDA is performed. The SAD is a signature enciphered with the Issuer Private Key. which has been signed.Offline Data Authentication Visa Integrated Circuit Card Application Overview. A portion of the Application Identifier that identifies the Payment System. If required. the Issuer Public Key Remainder contains the portion of the Issuer Public Key.0 6. The Issuer Public Key Certificate contains the Issuer Public Key signed with the Visa CA Private Key. which does not fit into the Issuer Public Key Certificate. 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. The exponent used in the RSA algorithm to recover the PK Certificate. 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. which contains a hash of important card data. 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 6–3: 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.4. Version 1. An internal indicator set and saved by the card if SDA fails and the transaction is declined offline. 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. Used with the RID to designate which Visa CA Public Key to use for offline data authentication. with the Certificate Authority Private Key.

This hash is compared to the hash in the recovered data. 1. SDA passes. 4. 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.1 SDA Processing The card performs no processing during SDA. The following summarizes the processing by the terminal. 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. the terminal sets indicators in the TVR to show SDA results and to use in later processing to determine the disposition of the transaction. 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.Visa Integrated Circuit Card Application Overview. Version 1. If SDA fails.4. 2. If the hashes are not equal. The terminal calculates a hash of the actual data elements.3 Static Data Authentication (SDA) 6.3. The format of the Issuer PK Certificate is validated. SDA Results If all of steps above are executed successfully. Draft 12/18/00 31 Oct 2001 Visa Public 6–9 . the data may have been altered and SDA has failed. 3.

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 .4. Version 1.Offline Data Authentication Visa Integrated Circuit Card Application Overview. Issuer Public Key Certificate.0 Figure 6–3: Processing Flow for SDA Card Response to Read Record contains Visa CA Public Key Index.

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. The terminal deciphers the signature from the card using the ICC Public Key. 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. This request uses the INTERNAL AUTHENTICATE command for Standard DDA and the first GENERATE AC command for Combined DDA/AC Generation. With Combined DDA/AC Generation.Visa Integrated Circuit Card Application Overview. The card sends this dynamic signature to the terminal.1 Data Elements for DDA Processing The terminal uses the SDA terminal data and the additional data for DDA described in Table 6–4.4. the signed data includes the Application Cryptogram. An unpredictable. Recovered data is compared to actual data to determine whether DDA passes. Successful DDA means that card data has not been altered and that the card is not counterfeit. transaction-unique number generated by the terminal and sent to the card in the INTERNAL AUTHENTICATE command. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 6–11 .4 Dynamic Data Authentication (DDA) If offline DDA is to be performed. the terminal uses a default DDOL containing the tag for the terminal unpredictable number. the terminal requests a dynamic signature from the card. 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. which has been recovered from the ICC PK Certificate. 6.4 Dynamic Data Authentication (DDA) 6. After validating the static data.4.

With Combined DDA/AC Generation if an ARQC or TC is returned. 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. 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 exponent used in the RSA algorithm to recover the ICC PK Certificate.4. If required. Cryptogram Information Data Draft 12/18/00 6–12 Visa Public 31 Oct 2001 . Version 1. List of tags for terminal data objects to be passed to the card in DDA processing.Offline Data Authentication Visa Integrated Circuit Card Application Overview. Information on the type of cryptogram provided by the card and validated by terminal in Combined DDA/AC Generation. it is validated as part of the dynamic signature. 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. the data described in Table 6–5 is used for DDA. In addition. In addition. 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. The ICC Public Key Certificate contains the ICC Public Key signed with the Issuer Private Key.0 All of the SDA data except for the Signed Static Application Data is also used for DDA. the ICC Public Key Remainder contains the portion of the ICC Public Key that does not fit into the ICC Public Key Certificate. Used by the card to generate a dynamic signature. the data described in Table 6–6 is used.

2. 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. DDA fails.0 6.4. 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. MasterCard. Version 1.Visa Integrated Circuit Card Application Overview. Validation of the Certificate Serial Number. DDA fails. Dynamic Signature Verification (Standard DDA only) The terminal decrypts the dynamic signature using the ICC Public Key. which is listed as optional in Europay. the card generates a dynamic signature by encrypting a hash of the terminal and card dynamic data with the ICC Private Key. 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.2 Standard DDA Processing This processing is performed by the terminal except for the card generation of the dynamic signature. The following summarizes this processing.4 Dynamic Data Authentication (DDA) 6. Dynamic Signature Generation (Standard DDA only) The terminal passes the card an INTERNAL AUTHENTICATE command that includes dynamic challenge data. Draft 12/18/00 31 Oct 2001 Visa Public 6–13 . Upon receiving the INTERNAL AUTHENTICATE command. 3. If the hashes are not equal. 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. 1. The card passes the dynamic signature to the terminal. If a terminal-generated hash of the actual dynamic data does not match the recovered hash. which was recovered from the ICC PK Certificate. 4. 5. The format of the Issuer PK Certificate is validated. and Visa (EMV) specifications.

If the signature recovery fails. the first GENERATE AC command indicates that Combined DDA/AC Generation is to be performed. the terminal performs Standard DDA Steps 1 through 3. Version 1.Offline Data Authentication Visa Integrated Circuit Card Application Overview. Draft 12/18/00 6–14 Visa Public 31 Oct 2001 . The requesting and validation of this cryptogram involves the following steps: 1. 2. Dynamic Signature Verification (Combined DDA/AC Generation only) During Card Action Analysis if the first GENERATE AC response contains a TC or ARQC.4. the terminal deciphers the dynamic signature using the ICC Public Key recovered in Step 3. the transaction is declined offline.3 Combined DDA/AC Generation Processing For Combined DDA/AC Generation. If the signature is successfully recovered. the card signs the Application Cryptogram and related data with the ICC Private Key and returns this dynamic signature in the GENERATE AC response. The terminal requests the dynamic cryptogram using the first GENERATE AC command. 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.0 6. processing continues based upon the type of cryptogram received.4. The INTERNAL AUTHENTICATE command is not used. If the card decides that the Application Cryptogram is a TC or ARQC.

Version 1.Visa Integrated Circuit Card Application Overview.4.0 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 .

the transaction is declined offline.Offline Data Authentication Visa Integrated Circuit Card Application Overview. 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. Version 1. If SDA or DDA failed and the transaction is to be declined offline. Online Processing Combined DDA/AC Generation When the returned Application Cryptogram is in a dynamic signature. If the decipherment is successful. A similar CVR indicator is set if DDA failed on a previous transaction and the transaction was declined offline. 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. When Combined DDA/AC Generation is to be performed and the transaction is to be sent online or approved offline. If the decipherment fails.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. the card returns ARQC and TC Application Cryptograms in a dynamic signature signed with the ICC Private Key. Draft 12/18/00 6–16 Visa Public 31 Oct 2001 . Combined DDA/AC Generation If the GENERATE AC command received from the terminal indicates that Combined DDA/AC Generation is to be performed. or approved offline. the terminal continues processing based upon the Application Cryptogram. 6. This data includes the data required for the supported Offline Data Authentication methods. the terminal sets the Combined DDA/AC Generation indicator in the GENERATE AC command. the SDA Failure Indicator or DDA Failure Indicator is set.5 Prior Related Processing Read Application Data The terminal reads application data from the card. sent online for authorization. the terminal deciphers the signature using the ICC Private Key.4.0 6.

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

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2 Terminal Data 7.1 Card Data 7.6 Application Expiration Date 7.3 Application Version Number 7.5 Application Effective Date 7.7 Prior Related Processing 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.4 Application Usage Control 7. This chapter contains the following sections: 7.8 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 7–1 . and conditions at the point of transaction. The terminal shall support checks on application versions.

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

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

Presence of the Application Effective Data is optional for the card.0 7. Version 1. the terminal indicates in the Terminal Verification Results (TVR) that the application versions differ.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. Application Effective Data checking is mandatory for the terminal if the data element is present in the card.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. 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. the terminal indicates in the TVR that the application is not yet effective.4. Draft 12/18/00 7–4 Visa Public 31 Oct 2001 . 7. If the effective date is greater than the Transaction Date. 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.Processing Restrictions Visa Integrated Circuit Card Application Overview.

0 7.6 Application Expiration Date 7. the terminal indicates in the TVR that the application has expired.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.Visa Integrated Circuit Card Application Overview.4. If the Application Expiration Date is less than the Transaction Date. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 7–5 .

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 .Processing Restrictions Visa Integrated Circuit Card Application Overview.4.

0 7. Version 1.Visa Integrated Circuit Card Application Overview. the terminal checks the Issuer Action Codes and Terminal Action Codes to see what action should be taken if application versions differ. The AUC.8 Subsequent Related Processing Terminal Action Analysis During Terminal Action Analysis. cards are not yet effective or expired. and Application Expiration Date from the card.7 Prior Related Processing 7. Draft 12/18/00 31 Oct 2001 Visa Public 7–7 .4. Issuer Country Code.7 Prior Related Processing Read Application Data The terminal uses the READ RECORD command to obtain the Application Version Number. and Application Effective Date are also read from the card. or the requested service is not allowed for the card product. if present. 7.

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the validation of the PIN is done within the card. CVM processing is designed to support additional CVMs.Cardholder Verification 8 Cardholder Verification is used to ensure that the cardholder is legitimate and the card is not lost or stolen. 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 CVM List also specifies the terminal action if the CVM fails. the terminal determines the cardholder verification method (CVM) to be used and performs the selected CVM. In Cardholder Verification. The results of CVM processing play a role in later processing. With the Offline PIN methods. 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. such as biometric methods. the transaction amount. as they are adopted. and the capabilities of the terminal. 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).

1 Card Data 8.6 Subsequent Related Processing Draft 12/18/00 8–2 Visa Public 31 Oct 2001 .4.3 Commands 8.5 Prior Related Processing 8.4 Processing 8.2 Terminal Data 8. Version 1.Cardholder Verification Visa Integrated Circuit Card Application Overview.0 This chapter is separated into the following sections: 8.

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

Cardholder Verification Visa Integrated Circuit Card Application Overview. The cardholder PIN. to take if offline PIN tries are exceeded. Version 1. Contains indicators. The card decrements the PIN Try Counter each time a cardholder-entered offline PIN fails verification. 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 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. Issuer-specified maximum number of consecutive incorrect PIN tries allowed for a single application. PIN Try Limit Reference PIN Draft 12/18/00 8–4 Visa Public 31 Oct 2001 . if any.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.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. which is stored in a secure location on the card.

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

Secret key used by the PIN pad to encipher the entered offline PIN and by the card reader to decipher the enciphered PIN. Draft 12/18/00 8–6 Visa Public 31 Oct 2001 . 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.Cardholder Verification Visa Integrated Circuit Card Application Overview. A detailed description of these data elements and their usage is in the Visa Integrated Circuit Card Terminal Specification. Must be present if the terminal supports Offline Enciphered PIN.2 Terminal Data The terminal data described in Table 8–4 is used during CVM processing. 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. Version 1. Indicates the CVMs supported by the terminal. 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. Appendix A. Card and Issuer Data Elements Table.4. PIN pad present.0 8. 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.

Version 1.Visa Integrated Circuit Card Application Overview. GET CHALLENGE Used by the terminal to obtain an unpredictable number from the card for use in Offline Enciphered PIN.0 8.3 Commands 8. 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. Draft 12/18/00 31 Oct 2001 Visa Public 8–7 . The VERIFY command contains the cardholder-entered PIN and initiates the card comparison of this PIN with the Reference PIN stored on the card. VERIFY Used for Offline Enciphered PIN and Offline Plaintext PIN.4. The card and terminal support the GET CHALLENGE command if they support Offline Enciphered PIN.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 CHALLENGE response contains a card-generated unpredictable number. The GET DATA command contains the tag of the PIN Try Counter. If the PIN Try Counter is in a proprietary data file. 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. 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”. The GET DATA response contains the PIN Try Counter. If “n” is equal to “0”.

Processes the CVM List entries—Starting with the first entry in the CVM List. The terminal performs the following steps: 1.Cardholder Verification Visa Integrated Circuit Card Application Overview. If the CVM is not successful (for example.4. the terminal proceeds to the next CVM List entry. the terminal performs the following actions: a. the terminal shall perform the Visa-specified method of cardholder verification for the terminal. 8. d.4. If the terminal reaches the end of the CVM List without a successful CVM. If the CVM is successful. If none is specified.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 terminal proceeds with the action specified in the CVM Code in the CVM entry. the terminal continues with Cardholder Verification.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. the terminal sets Unrecognized CVM to “1” in the TVR. Offline PIN verification failure). e. 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. c. the terminal proceeds to Terminal Risk Management. Version 1.” the terminal processes the next CVM List entry. If the condition is not satisfied. the terminal proceeds to Terminal Risk Management. If CVM Code is “proceed to next CVM.0 8. b. CVM processing fails—The terminal sets the Cardholder Verification Not Successful flag in the TVR to “1” and proceeds to Terminal Risk Management. 3.” the terminal sets the Cardholder Verification Not Successful flag to “1” in the TVR and proceeds to Terminal Risk Management. 2. If it is “fail CVM. The CVM is considered not successful. Checks whether the CVM Condition is satisfied. If the CVM is not recognized or is not supported. Draft 12/18/00 8–8 Visa Public 31 Oct 2001 . Performs the CVM specified. If not.

4.0 Figure 8–1: CVM List Processing Flow 8.Visa Integrated Circuit Card Application Overview.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. 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 .

Version 1. If the card does not support transmitting the PIN Try Counter.4. The enciphered PIN is included in the VERIFY command to the card. Verification of the deciphered PIN is the same as with Offline Plaintext PIN processing.0 8. If the PIN Try Counter returned is zero (no more PIN tries left). Offline PIN processing fails. and cardholder verification is complete. if the transaction is processed online. the terminal requests the cardholder to enter a PIN at the PIN pad.Cardholder Verification Visa Integrated Circuit Card Application Overview. To encipher the PIN. With Offline Plaintext PIN. The card compares the Transaction PIN to the Reference PIN stored on the card. The card returns an unpredictable number. the PIN is enciphered with the PIN Pad Secret Key and deciphered by the card reader. the card returns an indicator that the Offline PIN has been verified. q 8.2. the card checks a Transaction PIN entered by the cardholder against a Reference PIN stored in the card. The Offline PIN results are included in the online authorization message. the terminal displays “Last PIN Try”. the card decrements the PIN Try Counter and returns an indicator of the number of PIN tries remaining. 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. If the PIN Try Counter returned is one. If PIN tries remain.4. – – If no PIN tries remain.1 Offline Plaintext PIN In Offline PIN processing. If they do not match. the Offline PIN is not included in the online authorization message. which the terminal uses in an RSA algorithm to encipher the PIN. the terminal proceeds to PIN entry.4. Offline PIN fails. q If they match. The card recovers the plaintext PIN from the enciphered PIN using a secret RSA key stored on the card. the terminal issues a GET CHALLENGE command to the card. Unlike Online PIN.4. Draft 12/18/00 8–10 Visa Public 31 Oct 2001 .2 CVM Processing 8.2.2 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. the terminal requests that the cardholder enter the PIN again and repeats the verification process. If there are 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 . the PIN is enciphered after entry and is included in the online authorization message for verification by the issuer’s online system.4.4. Online PIN processing follows current procedures. 8. 8.3 Online PIN With Online PIN processing.4. which are outside the scope of this document.2.2.6 Fail CVM When the CVM is “Fail CVM”. the terminal prints a receipt with a line for the cardholder to sign.4.Visa Integrated Circuit Card Application Overview.5 No CVM Required When the CVM is “No CVM Required”.4. 8.4 Processing In support of this process.2. the issuer may either generate a card-unique ICC PIN Encipherment key pair or may use the same ICC key pair used for DDA. Version 1. CVM processing is considered to have failed. 8. CVM processing is considered to be successful.2.0 8.4 Signature When signature is the CVM.

0 The following flow gives an overview of the steps in PIN processing. 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.Cardholder Verification 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. Version 1.Visa Integrated Circuit Card Application Overview. number Encipher PIN using unpred.0 Figure 8–3: PIN Processing Flow (2 of 2) 8. 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 1.4 Processing Card Terminal Offline PIN Processing Card generates unpredictable number GET CHALLENGE command Y Offline Enciphered PIN? GET CHALLENGE response w/ unpred. 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 .

Read Application Data The terminal reads the CVM List and other data used in CVM processing from the card. or approved offline. is retrieved from the card. sent online. Version 1. The APPLICATION UNBLOCK command can be used to unblock an application that was blocked during CVM processing. 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.5 Prior Related Processing Initiate Application Processing The Application Interchange Profile (AIP). which indicates whether the card supports cardholder verification. The Offline PIN is not included in the online authorization message. the card uses cardholder verification results and parameters in Application Default Action to determine whether to decline the transaction. 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 8.4. 8. Completion After a failed attempt to go online for an authorization. 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.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. Draft 12/18/00 8–14 Visa Public 31 Oct 2001 .

10 Prior Related Processing 9.2 Terminal Data 9.7 Random Transaction Selection 9.4 Terminal Exception File 9.9 New Card Checking 9. 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.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.8 Terminal Velocity Checking 9.3 GET DATA Command 9. terminals shall perform Terminal Risk Management regardless of the card settings.5 Merchant Forced Transaction Online 9.1 Card Data 9. This chapter is organized into the following sections: 9.6 Floor Limit Checking 9.11 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 9–1 .

For a detailed description of these elements and their usage. It is used in terminal velocity checking.0 9. Version 1.4. A count of the number of transactions processed by the card since personalization. this data element and both of the data elements listed below must be present. It is used in terminal velocity checking. 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. 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. Lower Consecutive Offline Limit Upper Consecutive Offline Limit Draft 12/18/00 9–2 Visa Public 31 Oct 2001 .1 Card Data The card data elements used in Terminal Risk Management are listed and described in Table 9–1.Terminal Risk Management Visa Integrated Circuit Card Application Overview. 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. The ATC value of the last transaction that went online. If terminal velocity checking or new card checking by the terminal is required by the card. Card and Issuer Data Elements Table. Appendix A. refer to the Visa Integrated Circuit Card Specification.

Transaction Status Information (TSI) Draft 12/18/00 31 Oct 2001 Visa Public 9–3 . Value used for random selection of transactions for online processing. Terminal Verification Results (TVR) Threshold Value for Biased Random selection Transaction Log To prevent split sales. For a detailed description of these elements and their usage. Indicates the functions performed by the terminal. Value used for random selection of transactions for online processing. It is used in floor limit checking and random selection of transactions for online processing. may be used in terminal floor limit checking. if present. This log minimally contains the Application PAN and transaction amount and optionally contains the Application PAN Sequence Number and Transaction Date. Authorized Description This numeric data element stores the amount (excluding adjustments) for the current transaction. Version 1. This log. refer to the Visa Integrated Circuit Card Terminal Specification. 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.0 9. the terminal may have a transaction log of approved transactions.4.2 Terminal Data 9. This data element (tag ‘9F1B’) indicates the floor limit in the terminal associated with the Application Identifier for the application.Visa Integrated Circuit Card Application Overview. It is used in floor limit checking. It is used to record the results of all terminal risk management checks. A series of indicators in which the results of offline processing from a terminal perspective are recorded. Appendix A.2 Terminal Data The terminal data elements used in Terminal Risk Management are listed and described in Table 9–2. The number of transactions to be stored and maintenance of the log is outside the scope of this specification. Card and Issuer Data Elements Table. 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. Table 9–2: Terminal Risk Management—Terminal Data Data Element Amount.

the terminal sets the Merchant Forced Transaction Online bit to “1” in the TVR. 9. from the card.4. Terminal Risk Management. Authorized to the Terminal Floor Limit. If the card is listed on the exception file.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). the terminal sets the Card Appears on Terminal Exception File bit to “1” in the Terminal Verification Results (TVR). 9. if not previously read by the terminal. Examples of this processing are provided in the Visa Integrated Circuit Card Terminal Specification. the terminal checks whether the Primary Account Number (PAN) on the card is listed on the exception file. The terminal indicates in the TVR if a transaction is randomly selected. If the terminal contains a transaction log. Chapter 9.0 9.Terminal Risk Management Visa Integrated Circuit Card Application Overview. If the merchant forces the transaction online. the terminal sets the Transaction Exceeds Floor Limit bit to “1” in the TVR.5 Merchant Forced Transaction Online At online-capable terminals. 9. the merchant may indicate to the terminal that the transaction should be processed online. Version 1. The terminal compares the Amount. If the transaction amount is greater than or equal to the floor limit. the terminal performs this check and sets the Transaction Exceeds Floor Limit bit to “1” in the TVR. Even when the floor limit is zero. 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.4 Terminal Exception File If a terminal exception file is present. 9. Draft 12/18/00 9–4 Visa Public 31 Oct 2001 .6 Floor Limit Checking Floor limit checking is performed so that transactions of amounts above the terminal floor limit are sent online for authorization.7 Random Transaction Selection Terminals capable of supporting both offline and online transactions shall randomly select transactions for online processing.

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. The terminal checks the Last Online ATC Register. 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. This register is reset during Completion after an online approval based on Issuer Authentication results and card parameters. If the register is zero. The terminal sends a GET DATA command to the card requesting the Last Online ATC Register and the ATC. the terminal sets the Lower Consecutive Offline Limit Exceeded bit to “1” in the TVR.8 Terminal Velocity Checking 9. The card responds to the GET DATA command with 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 terminal checks the Last Online ATC Register if provided by the card. the terminal shall bypass this processing.8 Terminal Velocity Checking Velocity checking permits issuers to request online processing after a prespecified number of consecutive offline transactions. the terminal sets the Upper Consecutive Offline Limit Exceeded bit to “1” in the TVR. The card returns these data elements in the command response.4. 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 .9 New Card Checking In new card checking by the terminal. Velocity checking by the card does not result in the setting of the TVR bits. Version 1.0 9. If the ATC minus the Last Online ATC Register is greater than the Upper Consecutive Offline Limit.Visa Integrated Circuit Card Application Overview. the terminal sets the New Card bit to “1” in the TVR. Issuers may elect not to support velocity checking by the terminal. 9. q NOTE: The card may also perform similar velocity checks during Card Action Analysis. If either of these data objects is not present in the card. if the Upper and Lower Consecutive Offline Limits are present. Offline-capable terminals shall support Terminal Velocity Checking.

4.Terminal Risk Management Visa Integrated Circuit Card Application Overview. 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 1.0 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.

Version 1.9 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 .Visa Integrated Circuit Card Application Overview.0 Figure 9–2: Terminal Risk Management Processing Flow (2 of 2) 9.4.

0 9. are used in Terminal Velocity Checking.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.11 Subsequent Related Processing Terminal Action Analysis Based on card and terminal settings.Terminal Risk Management Visa Integrated Circuit Card Application Overview. Upper and Lower Consecutive Limits. Version 1. if present on the card. 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 . q 9.4.

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

which correspond to the bits in the Terminal Verification Results (TVR).4. Draft 12/18/00 10–2 Visa Public 31 Oct 2001 . and IAC Default.Terminal Action Analysis Visa Integrated Circuit Card Application Overview. Appendix A. Card and Issuer Data Elements Table.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. 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. Version 1. 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. 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. Each IAC consists of a series of bits.0 10. The Visa Integrated Circuit Card Specification. The card data element shown in Table 10–2 is used in cryptogram processing.

Version 1. Appendix A. each TAC consists of a series of bits.2 Terminal Data 10. Card and Issuer Data Elements Table.Visa Integrated Circuit Card Application Overview. Like the IACs. Draft 12/18/00 31 Oct 2001 Visa Public 10–3 . The terminal data elements described in Table 10–3 are used to review offline processing results. Version 1. Terminal Verification Results (TVR) The TVR is a series of bits. 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. The terminal data elements described in Table 10–4 are used in cryptogram processing.0 10. contains detailed descriptions of these elements and their usage.2 Terminal Data The Visa Integrated Circuit Card Terminal Specification. 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.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.4. TAC Online. which correspond to the bits in the Terminal Verification Results (TVR).0. which are set during transaction processing to represent offline processing results. Chapter 10. and TAC Default.

10. Version 1. Draft 12/18/00 10–4 Visa Public 31 Oct 2001 .4. The command response is not returned during Terminal Action Analysis. This process uses issuer-defined criteria from the card called IACs and Visa-defined criteria in the terminal called TACs. The terminal also indicates in this command if Combined DDA/AC Generation is to be performed. Terminal Action Analysis.1 Review Offline Processing Results The terminal reviews the results of offline processing to determine whether the transaction should go online. or be declined offline.4 Processing Terminal Action Analysis processing has two steps: q The review of offline processing results The request for an Application Cryptogram q 10.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command The terminal sends a GENERATE AC command to the card to request an application cryptogram.0 10. be approved offline. When the card receives the GENERATE AC command. it proceeds to Card Action Analysis. 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. contains an example of how IACs and TACs are used with the Terminal Verification Results (TVR) to determine transaction disposition.Terminal Action Analysis Visa Integrated Circuit Card Application Overview. The Visa Integrated Circuit Card Terminal Specification.4. Chapter 10.

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.4.4.2 Request Application Cryptogram The second phase of Terminal Action Analysis involves requesting an Application Cryptogram from the card.0 10.Visa Integrated Circuit Card Application Overview. Version 1.4 Processing 10. Draft 12/18/00 31 Oct 2001 Visa Public 10–5 .

Version 1.0 10.4. 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 .Terminal Action Analysis Visa Integrated Circuit Card Application Overview.4.3 Processing Flow Figure 10–1 shows how Terminal Action Analysis might be performed.

These bit settings are used with the IACs and TACs during Terminal Action Analysis to determine transaction disposition. Cardholder Verification. Processing Restrictions. Draft 12/18/00 31 Oct 2001 Visa Public 10–7 .4. 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. 10. 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.0 10. Version 1. This data includes the CDOL1 and the IACs.Visa Integrated Circuit Card Application Overview.6 Subsequent Related Processing Card Action Analysis During Card Action Analysis. Offline Data Authentication.

.

7 Subsequent Related Processing Draft 12/18/00 31 Oct 2001 Visa Public 11–1 . 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: 11.5 Flow 11.1 Card Data 11.Card Action Analysis 11 Card Action Analysis allows issuers to perform velocity checking and other risk management that is internal to the card.3 GENERATE APPLICATION CRYPTOGRAM (AC) Command 11.4 Processing 11.2 Terminal Data 11.6 Prior Related Processing 11.

For a detailed description of these elements and their usage. 11.1 Card Data The card data elements used in Card Action Analysis are listed and described in Table 11–1. Card and Issuer Data Elements Table. 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. Draft 12/18/00 11–2 Visa Public 31 Oct 2001 . refer to the Visa Integrated Circuit Card Specification. 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.Card Action Analysis Visa Integrated Circuit Card Application Overview. Refer to the Visa Integrated Circuit Card Specification.4. Cryptogram Versions Supported. for a list of data required. 11. Appendix A.2 Terminal Data No terminal data is used during Card Action Analysis.0 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. Version 1. The terminal also indicates in this command whether Combined DDA/AC Generation is to be performed. Appendix E.

This Cryptogram Type indicates the terminal’s transaction decision (approve offline.4 Processing At the end of Terminal Action Analysis.4. Version 1. send online). This processing is described in Chapter 10. The GENERATE AC command. 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 .Visa Integrated Circuit Card Application Overview. decline offline. 11. which the terminal is requesting.4 Processing 11. Terminal Action Analysis. The GENERATE AC command received from the terminal also indicates if Combined DDA/AC Generation is to be performed.0 11. which the card receives from the terminal. contains the Cryptogram Type.4.

Cryptogram Versions Supported.2. 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.4.0 11. Appendix E. Authentication Keys and Algorithms. The Cryptogram Type in this response indicates the card’s decision for transaction disposition (approve offline. The DES key requirements and the algorithms used in the cryptogram generation process are detailed in the Visa Integrated Circuit Card Specification. the card determines a transaction response.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. Draft 12/18/00 11–4 Visa Public 31 Oct 2001 .4.2 Card Response Decision Based on the results of this card risk management. The card may override the terminal’s decision to go online by deciding to decline offline. decline offline. Data requirements are detailed in the Visa Integrated Circuit Card Specification. Version 1. q These decision rules are shown in Table 11–2.Card Action Analysis Visa Integrated Circuit Card Application Overview. 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 11.4. send online). The card returns this cryptogram to the terminal in the GENERATE AC response. Appendix D.

Draft 12/18/00 31 Oct 2001 Visa Public 11–5 . Cryptogram Information Data and other data with the ICC Private Key.2. the card encrypts the Application Cryptogram.4. Version 1.4 Processing 11. The card returns the signed data to the terminal in the response to GENERATE AC.4.2 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.Visa Integrated Circuit Card Application Overview.0 11.

SDA or DDA failed . failed .Cons.Card Action Analysis Visa Integrated Circuit Card Application Overview.4. Amount . ARQC or TC) for the first time Sets indicators based upon results Checks new card & velocity .Online Auth not completed . decline. Amount (Dual Currency) Uses above results to determine card response (approve.5 Flow Figure 11–1: Card Action Analysis Checks previous transaction processing: . Offline Txn. Offline Txn. Offline Txns (Int'l—Country) .Issuer Authen. Offline Txns (Int'l) . Offline Transactions .Issuer Script processed Card First GENERATE AC command Terminal Terminal during Terminal Action Analysis requests a cryptogram (AAC.0 11.Cum.Cons. 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 .Cons.Cum. Version 1.

6 Prior Related Processing 11. 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. but the terminal was unable to send the transaction online.7 Subsequent Related Processing Completion If online processing was requested.4.0 11. 11. Version 1. 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 .6 Prior Related Processing Read Application Data The terminal reads the Card Risk Management Data Object List 1 (CDOL1) from the card. additional card and terminal processing is performed.Visa Integrated Circuit Card Application Overview.

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

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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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Card and Issuer Data Elements Table.4. Chapter 12. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 12–3 . Appendix A. contains a detailed description of these data elements and their usage. 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.Visa Integrated Circuit Card Application Overview.2 Terminal Data The terminal data described in Table 12–3 is updated with the Issuer Authentication status.2 Terminal Data 12. which is the response value to be used in the validation of the ARPC q Issuer Script Contains issuer updates to the card. 12. The Visa Integrated Circuit Card Terminal Specification. The VSDC data elements to be transmitted from the terminal are listed in the Visa Integrated Circuit Card Terminal Specification.0 12. Online Processing.3 Online Request and Response Data The online authorization request includes the data required for magnetic stripe transactions as well as additional VSDC data. which is used to validate the Authorization Request Cryptogram (ARQC) generated by the card. Contains a bit that is set when Issuer Authentication is performed. 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. which is an Issuer-generated cryptogram to be validated by the card Authorization Response Code.

The GENERATE AC command may indicate that Combined DDA/AC Generation be performed.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. The GENERATE AC command is sent to the card during Terminal Action Analysis. The response includes the first Application Cryptogram and the Cryptogram Type. which contains the Application Cryptogram.4. The response from the card indicates whether Issuer Authentication passed or failed.0 12. If the response is an ARQC or a TC and Combined DDA/AC Generation is performed. The card returns the GENERATE AC response at the end of Card Action Analysis. Version 1.Online Processing Visa Integrated Circuit Card Application Overview. The response is received by the terminal at the beginning of Online Processing. Draft 12/18/00 12–4 Visa Public 31 Oct 2001 . the terminal issues the EXTERNAL AUTHENTICATE command with the Issuer Authentication Data requesting that the card validate the Authorization Response Cryptogram (ARPC). the response is a dynamic signature. EXTERNAL AUTHENTICATE Command If Issuer Authentication is to be performed. which is included in the command.

Visa Integrated Circuit Card Application Overview. If the hash matches.1. the terminal transmits an online authorization request message.4. to be validated using Issuer Authentication to prove that the response came from the valid issuer. 12. the terminal performs Issuer Authentication.5. processing includes validation of the dynamic signature.5.1 Online Request Online request processing differs depending on whether Combined DDA/AC Generation has been requested. the terminal performs the following processing: q The terminal deciphers the dynamic cryptogram using the recovered ICC Public Key to recover the Application Cryptogram. Otherwise. processing the online response.5.2 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. If the card does not respond with an ARQC or the terminal is unable to send the transaction online. the terminal proceeds to the Completion function. the terminal proceeds to the Completion function. 12. standard online processing is performed. If the hash does not match the terminal indicates in the TVR that Combined DDA/AC Generation failed and proceeds to Completion. q q 12. Draft 12/18/00 31 Oct 2001 Visa Public 12–5 . which may include an issuer script containing updates to the card parameters or a cryptogram. 12.5 Processing 12. or both.5. If Combined DDA/AC Generation is to be performed. Version 1.1 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.0 12. and optionally performing Issuer Authentication.1. If the online response contains the Issuer Authentication Data and the card supports Issuer Authentication.2 Online Response After the online request message is successfully transmitted to the issuer. the terminal receives the online response message.5 Processing Standard Online Processing includes processing the online request.

5. q Draft 12/18/00 12–6 Visa Public 31 Oct 2001 . the Authorization Response Code from the issuer.3 Issuer Authentication The terminal transmits an EXTERNAL AUTHENTICATE command to the card instructing the card to perform Issuer Authentication. The terminal sets Issuer Authentication results in the Terminal Verification Results (TVR) and the Transaction Status Information (TSI) before proceeding to the Completion function.4. Version 1. 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.0 12.Online Processing Visa Integrated Circuit Card Application Overview. 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.

0 12. Version 1. results indicators N Terminal proceeds to Completion (see chapter 13) Draft 12/18/00 31 Oct 2001 Visa Public 12–7 . or decline offline Terminal GENERATE AC command response Y Online Authorization Systems A AAC (decline cryptogram) returned? N Combined DDA/Gen. and the issuer’s host system for Online Processing. approve offline. Figure 12–1: Online Processing Flow Card Card Action Analysis (see Chapter 11) Card sets cryptogram to send online. 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.4. the terminal.4 Processing Flow Figure 12–1 shows the interaction between the card. sets IA results indicators. and returns results EXTERNAL AUTHENTICATE command Y Issuer Authentication to be performed? EXTERNAL AUTHENTICATE command response Terminal sets Issuer Auth.5 Processing 12.5.Visa Integrated Circuit Card Application Overview.

12. 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. Draft 12/18/00 12–8 Visa Public 31 Oct 2001 . an AAC (decline cryptogram) is requested by the terminal in the final GENERATE AC. If a TC was requested by the card and Combined DDA/AC Generation was performed and failed the terminal declines the transaction. these post-issuance updates are applied.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 12.4. 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.7 Subsequent Related Processing Completion During Completion.Online Processing Visa Integrated Circuit Card Application Overview. Version 1.

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

Completion Visa Integrated Circuit Card Application Overview.0 This chapter is organized as follows: 13.5 Flow 13. Version 1.3 GENERATE Application Cryptogram (AC) Command 13.4.6 Prior Related Processing Draft 12/18/00 13–2 Visa Public 31 Oct 2001 .4 Processing 13.2 Terminal Data 13.1 Card Data 13.

which the card returns to the terminal. A count of card transactions. includes the card data elements described in Table 13–1. Appendix A. contains a detailed description of card data elements and their usage. which are set based upon the results of offline processing for current and previous transactions. including the CVR. 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.1 Card Data The second GENERATE AC command response.1 Card Data 13. Card Verification Results (CVR) Draft 12/18/00 31 Oct 2001 Visa Public 13–3 .4. The Visa Integrated Circuit Card Specification.0 13. Card and Issuer Data Elements Table. Version 1. 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. A Visa proprietary data element containing indicators.Visa Integrated Circuit Card Application Overview. The CVR is included in the clearing transaction as “proof” of card processing.

The GENERATE AC command contains the terminal data elements specified by the card in the CDOL2. Completion. Chapter 12.Completion Visa Integrated Circuit Card Application Overview.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. The Visa Integrated Circuit Card Terminal Specification. Terminal Verification Results (TVR) 13. such as SDA failure or floor limit exceeded.2 Terminal Data The terminal data elements described in Table 13–3 are used during Completion. Contains indicators that are set to record offline processing results. from a terminal perspective. which was received by the terminal during Read Application Data. 13. Appendix A. 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. A list of data objects (tags and lengths) for the terminal to pass to the card with the second GENERATE AC command. 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. Draft 12/18/00 13–4 Visa Public 31 Oct 2001 . Card and Issuer Data Elements Table. Version 1.4. Other data elements used are listed in the Visa Integrated Circuit Card Specification. contains a detailed description of these data elements and their usage.0 The card uses the internal card data elements described in Table 13–2 during Completion.

the terminal indicates in the TVR that Combined DDA/AC Generation has failed.4 Processing The GENERATE AC response includes the card transaction counter.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). If the terminal requested in the GENERATE AC command that Combined DDA/AC Generation be performed and an AAC is returned by the card.Visa Integrated Circuit Card Application Overview. the terminal completes the transaction offline. the terminal declines the transaction. and the CVR indicating processing results. 13. declined.1. or service not allowed. If a TC was requested by the card and Combined DDA/AC Generation was performed and failed.4. the cryptogram type indicating the card’s authorization decision.4. Issuer discretionary data may also be provided.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. The terminal displays a message indicating the action taken: approved. q q 13. 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 card determines the final transaction response and resets card indicators based card parameters and Issuer Authentication status. Version 1. the application cryptogram. 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.0 13.4. 13. the card may have: – – Requested an offline approval or decline Requested an online authorization q During Online Processing. The terminal completes the transaction.

Terminal Action Analysis. If the issuer has requested a referral. Version 1. the terminal issues a final GENERATE AC command to the card to request additional card analysis and a final Application Cryptogram. the terminal requests a decline. System Technical Reference Volume 2. Field and Code Descriptions.4. If the Authorization Response Code does not indicate approve or refer. the terminal declines with a Z1 response code.4. the terminal may request an approval (TC) if the issuer has requested a referral. 13. 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 approval (TC). declines. Draft 12/18/00 13–6 Visa Public 31 Oct 2001 .4. However. the terminal uses the Issuer Action Code (IAC)—Default and the Terminal Action Code (TAC)—Default to determine the transaction disposition.0 If Combined DDA/AC Generation was performed and failed.P. refer to the V. q 13. This IAC and TAC processing is similar to the processing in Terminal Action Analysis described in Chapter 10.3 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. the terminal processes as follows: q If a TC was returned.2 Online Authorization Completed Successfully If the online authorization was successfully completed. it is recommended that the terminal request a decline (AAC). If any TVR bits and the corresponding bit in the IAC or TAC are both “1”. q q For valid Authorization Response Codes (field 39) for approvals.I.Completion Visa Integrated Circuit Card Application Overview. and referrals.1. the terminal requests an AAC. the terminal requests an AAC in the second GENERATE AC command. If an ARQC is returned.1.

the online authorization was unable to complete or the terminal did not support online processing. q If the Authorization Response Code is one of the offline codes listed in Table 13–4. the card updates indicators and counters as indicated in the Visa Integrated Circuit Card Specification. the terminal issues the final GENERATE AC command to the terminal.4. If the Authorization Response Code is not one of the offline codes.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.4. 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) 13.2. the online authorization was completed. This command also includes an Authorization Response Code.4 Processing Based on the results of this processing. 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. q 13.1 Online Authorization Completed When the online authorization completed. Version 1.0 13. the card always returns an AAC in the response. Prior to responding to the terminal with an AAC. shown in Table 13–4. Chapter 13.4. Completion. Draft 12/18/00 31 Oct 2001 Visa Public 13–7 . which indicates that an online authorization was not completed.Visa Integrated Circuit Card Application Overview. The Cryptogram Type requested in the final GENERATE AC command indicates whether the transaction is to be declined (AAC) or approved (TC).

– 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. 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. 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. Chapter 13. Refer to the Visa Integrated Circuit Card Specification. – 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. the card responds with a decline (AAC). was not performed. Version 1. 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. 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. Draft 12/18/00 13–8 Visa Public 31 Oct 2001 . These steps are performed whether the terminal has requested an approval or decline.4.2. for details on how indicators and counters are set and reset for these conditions.0 q TC (Approval) Requested If the terminal requests an approval (TC) in the final GENERATE AC command.4. Completion. 13. the card responds with a decline (AAC). the card performs additional card risk management steps prior to responding to the terminal.Completion Visa Integrated Circuit Card Application Overview. the card responds with an approval.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.

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

Completion Visa Integrated Circuit Card Application Overview.0 13.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. new card. 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.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 . 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.4. Version 1. 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 .

These indicators are used during Completion by the card in the response decision and in determining which card counters and indicators should be reset. Version 1.6 Prior Related Processing Online Processing If the card receives an EXTERNAL AUTHENTICATE command from the terminal. the card performs Issuer Authentication processing and sets indicators for Issuer Authentication performed and successful or failed. Draft 12/18/00 31 Oct 2001 Visa Public 13–11 .0 13.6 Prior Related Processing 13.Visa Integrated Circuit Card Application Overview.4.

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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. the issuer transmits commands in issuer scripts contained in the authorization response message. The terminal passes these commands to the card where they are executed if security requirements are satisfied. Card parameters can be modified to correspond to changing cardholder circumstances. Draft 12/18/00 31 Oct 2001 Visa Public 14–1 . With this function.Issuer-to-Card Script Processing 14 Issuer-to-Card Script Processing permits issuers to change personalized data on cards without card reissuance.

2 Card Data 14. Version 1.6 Processing 14.4 Online Response Data 14.5 Commands 14.9 Subsequent Related Processing Draft 12/18/00 14–2 Visa Public 31 Oct 2001 .4.3 Terminal Data 14.1 Script-Related Keys 14.0 This chapter is organized in the following manner: 14.8 Prior Related Processing 14.7 Processing Flow 14.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview.

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 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).4. 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.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. This encipherment process uses three keys: q Master Data Encipherment DEA Key (ENC MDK) is an issuer-unique double-length DES key.1 Message Authentication Code Keys The Message Authentication Code (MAC) keys are used in the generation and validation of the script command’s MAC.6. Version 1. The ENC UDK is derived from the ENC MDK. The MACing process uses three keys: q Master Message Authentication Code Key (MAC MDK) is an issuer-unique double-length DES key. 14.0 14.1 Script-Related Keys 14.1.Visa Integrated Circuit Card Application Overview. The MAC MDK is used to generate the card’s Unique Message Authentication Code Key (MAC UDK) and the transaction’s MAC Session Key. Unique Message Authentication Code Key (MAC UDK) is a double-length DES key personalized on the card. It is derived from the issuer’s MAC MDK. q q Draft 12/18/00 31 Oct 2001 Visa Public 14–3 .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. q q These MAC keys are required if the Visa recommended method of secure messaging is supported.1. 14. 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.1 Script-Related Keys The recommended secure messaging methods for Issuer-to-Card Script Processing mentioned in Section 14. The MAC UDK is used to generate a MAC Session Key during the transaction.

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.2 Card Data The indicators and counters in the card described in Table 14–1 are used in processing script commands. The CVR contains flags related to script processing. The Issuer Script Failure Indicator is set when Issuer Script processing fails and remains set until it is reset after a subsequent online transaction. The Visa Integrated Circuit Card Specification.4.0 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.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview. Appendix A. contains a detailed description of card data elements and their usage. Card and Issuer Data Elements Table. The Issuer Script Command Counter is used to count the Script Update commands received during a transaction. Issuer Script Command Counter Issuer Script Failure Indicator Draft 12/18/00 14–4 Visa Public 31 Oct 2001 . 14. which are updated with the script results. Version 1.

The TVR contains indicators that are set if Issuer Script processing fails. Terminal Verification Results (TVR) Transaction Status Information (TSI) The TSI contains an indicator that is set if an issuer script is processed. 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.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.0 14. The Visa Integrated Circuit Card Specification. Card and Issuer Data Elements Table. 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. 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 .4. The Issuer Script Template 2 contains proprietary issuer data for transmission to the card after the final GENERATE AC command. 14. which is sent to the card.3 Terminal Data The terminal data elements described in Table 14–2 are used during Issuer Script processing. Appendix A. The Issuer Script Identifier is a number used to uniquely identify an issuer script. Version 1.3 Terminal Data 14.Visa Integrated Circuit Card Application Overview.

the card and terminal continue to process the transaction through Completion. PIN changes using PIN CHANGE/UNBLOCK or other methods should only be performed within a secure environment controlled by the issuer. The terminal may select an application that was blocked in order to unblock the application.5 Commands The following script commands for Issuer Script processing are supported: APPLICATION BLOCK This command blocks the use of the selected application. Version 1. APPLICATION UNBLOCK This command reverses the status of an application that is blocked. CARD BLOCK The CARD BLOCK command permanently disables all applications on the card. the card does not allow the blocked application to be available for application selection to perform a financial transaction. the card is required to return an Application Authentication Cryptogram (AAC) in response to a GENERATE APPLICATION CRYPTOGRAM (AC) command. if this occurs.4.0 14. However. Draft 12/18/00 14–6 Visa Public 31 Oct 2001 .Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview. If the application is blocked during the processing of a transaction. 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. Unblocking of an application occurs only at a special device designated by the issuer. During any subsequent application selection.

4. if present. Issuer script commands cannot be used to update the data on the physical magnetic stripe. are stored in proprietary internal files. In this version of the Visa Integrated Circuit Card Specification. Version 1. 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. Draft 12/18/00 31 Oct 2001 Visa Public 14–7 . 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.0 14. 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.Visa Integrated Circuit Card Application Overview.5 Commands PUT DATA The PUT DATA command allows specific primitive data objects in the card to be updated. 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. all of these card data elements. If terminal velocity checking is supported. It is also required for updates to the Upper and Lower Consecutive Offline Limits if Terminal Velocity Checking is supported by the card.

change. command processing. The issuer uses secure messaging in Issuer Script processing for each command that instructs the card to modify any information contained in the card.6. the same requirements apply. Visa requires that some form of issuer authentication be successfully performed prior to processing an Issuer Script Command. reset. In a subsequent version. or alter the data contained on the card only if 1) that command supports secure messaging and 2) secure messaging was performed successfully. Draft 12/18/00 14–8 Visa Public 31 Oct 2001 .Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview. This requirement may be satisfied by successfully performing secure messaging for that command since secure messaging is a form of issuer authentication. The originator of an Issuer Script Command is assumed to be the card issuer. Issuer Scripts transmitted in the response message always have tag “72”. 14.4.6. The card performs the requested command to update.1 Issuer Scripts The Issuer Script is transmitted to the acquirer by the issuer in the response message. and secure messaging. indicating that Issuer Script processing is to be performed after the final GENERATE AC command. Version 1.0 14. at most only one Issuer Script shall be transmitted in the response message. multiple Issuer Scripts may be allowed in a response message. 14.2 Command Processing The recommended Issuer Script commands are used to perform the functions described earlier in this chapter. In this version of the Visa Integrated Circuit Card Specification. If an entity other than the issuer originates the commands.6 Processing Issuer-to-Card Script Processing is comprised of issuer scripts.

Visa Integrated Circuit Card Application Overview.6 Processing 14.1 Script-Related Keys.0 14.6. of this chapter.4. and issuer authentication. 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). Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 14–9 . Validation of the MAC and decryption of enciphered data requires the use of session keys.3 Secure Messaging The principle objectives of secure messaging are to ensure data confidentiality. Message integrity ensures that commands and command data are not altered during transmission. Issuer authentication ensures that the command came from the valid issuer. These session keys are unique for each transaction and generated as described in Section 14. Message integrity and issuer authentication are achieved using a MAC. message integrity.

7 Processing Flow Figure 14–1 illustrates how Issuer-to-Card Script Processing might be performed.0 14. Version 1. 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 .4.Issuer-to-Card Script Processing Visa Integrated Circuit Card Application Overview.

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.0 14.9 Subsequent Related Processing Card Action Analysis (subsequent transactions) During Card Action Analysis for the card’s next transactions.4.Visa Integrated Circuit Card Application Overview. 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.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.8 Prior Related Processing 14. Version 1. Draft 12/18/00 31 Oct 2001 Visa Public 14–11 . The issuer receives this Card Verification Results (CVR) data in the next clearing record and next online authorization. 14.

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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. CID CLA cn Cons. Version 1.4. CPLC Cum. 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 .0 Acronym APDU ARPC ARQC ATC ATM AUC Auth.

Visa Integrated Circuit Card Application Overview. Version 1. 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. MasterCard.0 Acronyms Acronym CVR CVV DDA DDF DDOL DEA DES DF EEPROM EMV ENC MDK ENC UDK FCI FCP FMD GPO hex. 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. seconds host security module Issuer Authentication Issuer Action Code Draft 12/18/00 31 Oct 2001 Visa Public A–3 . minutes.4.

Version 1.Acronyms Visa Integrated Circuit Card Application Overview.4.0 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 .

Visa Integrated Circuit Card Application Overview.0 Acronyms Acronym NIC No.4. Shamir. 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. Version 1. Adleman Signed Static Application Data Secure Access Module Draft 12/18/00 31 Oct 2001 Visa Public A–5 .

Version 1.I.0 Acronym SDA SFI SW1. SW2 TC TDOL TLV Txn. day where DD = day (01–31) YYMM YYMMDD Draft 12/18/00 A–6 Visa Public 31 Oct 2001 . V. day where Y = right-most digit of the year (0–9) and DDD = Julian day of the year (001–366) year. month. month where YY = year (00–99) and MM = month (01–12) year. 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. TSI TVR UDK var.P.4.Acronyms Visa Integrated Circuit Card Application Overview.

application block Instructions sent to the card by the issuer. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–1 . and disburses currency or checks. A U. For descriptions of specific card and issuer data elements. application A computer program and associated data that reside on an integrated circuit chip and satisfy a business function. stored value. ATM An unattended terminal that has electronic capability. to shut down the selected application on a card to prevent further use of that application. refer to Appendix A of the Card and Terminal volumes of this specification. standards accreditation organization. it is not intended as a data dictionary.S. and loyalty. This process does not preclude the use of other applications on the card. Examples of applications include payment. and directly or indirectly enters the resulting transaction into interchange. Application Authentication Cryptogram (AAC) A cryptogram generated by the card for offline and online declined transactions. acquirer A Visa member that signs a merchant or disburses currency to a cardholder in a cash disbursement. accepts PINs.Glossary This is a glossary of terms used in this specification. 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 authentication Validation that data stored in the integrated circuit card has not been altered since card issuance. Data Encryption Standard (DES) The public domain symmetric key cryptography algorithm of the National Institute for Standards and Technology. Version 1. 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.4. decryption The process of transforming ciphertext into cleartext. 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.Visa Integrated Circuit Card Application Overview.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. 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. Easy Entry is not EMV-compliant and is being phased out. consisting of 56 bits that must be independent and random. Data Encryption Algorithm (DEA) An encipherment operation and an inverse decipherment operation in a cryptographic system. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–5 . See also Offline Data Authentication. and 8 error-detecting bits set to make the parity of each 8-bit byte of the key odd. Easy Entry A replication of the magnetic stripe information on the chip to facilitate payment as part of multi-application programs.

interchange The exchange of clearing records between members. International Organisation for Standardisation (ISO) The specialized international agency that establishes and publishes international technical standards. expired card A card on which the embossed. MasterCard International. Integrated Circuit Card (ICC) See chip card.4. 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. or printed expiration date has passed. Draft 12/18/00 Glossary–6 Visa Public 31 Oct 2001 . interoperability The ability of all card acceptance devices and terminals to accept and read all chip cards that are properly programmed. and Visa International to create standards and ensure global interoperability for use of chip technology in the payment industry. encoded. hash The result of a non-cryptographic operation. Integrated Circuit Chip See chip. above which online authorization is required. Version 1.Glossary Visa Integrated Circuit Card Application Overview. Hardware Security Module (HSM) A secure module used to store cryptographic keys and perform cryptographic functions.0 EMV specifications Technical specifications developed jointly by Europay 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.

distribution. These keys are used to generate Unique Derivation Keys (UDKs) for personalization. Issuer Authentication Validation of the issuer by the card to ensure the integrity of the authorization response. or declined if online is not available. 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. and to generate ARPCs. See Authorization Response Cryptogram (ARPC). to validate ARQCs. or line of business in which a merchant is engaged. Version 1. key generation The creation of a new key for subsequent use. and archiving. deletion or destruction. 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. storage. or proprietary cards bearing the PLUS or Visa Electron Symbol.0 issuer issuer A Visa member that issues Visa or Electron cards. 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. including their generation. entry and use.Visa Integrated Circuit Card Application Overview. merchant category code (MCC) A code designating the principal trade.4. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–7 . Issuer Action Codes (IACs) Card-based rules which the terminal uses to determine whether a transaction should be declined offline. profession. key management The handling of cryptographic keys and other related security parameters during the entire life cycle of the keys. Master Derivation Keys (MDK) Master DES keys stored in the issuer host system. sent online for an authorization.

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

Online Card Authentication (CAM) Validation of the card by the issuer to protect against data manipulation and skimming. but does not require a shared secret key. 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. Version 1.Visa Integrated Circuit Card Application Overview.4. See Authorization Request Cryptogram (ARQC). See also Card Acceptance Device. point-of-transaction terminal A device used at the point of transaction that has a corresponding point-of-transaction capability. plaintext Data in its original unencrypted form. 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. public key cryptographic algorithm A cryptographic algorithm that allows the secure exchange of information. personalization The process of populating a card with the application data that makes it ready for use. 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. private key As part of an asymmetric cryptographic system. 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. the key that is kept secret and known only to the owner.0 online-capable terminal online-capable terminal A card acceptance device that is able to send transactions online to the issuer for authorization. the key known to all parties. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–9 . public key As part of an asymmetric cryptographic system.

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

Version 1.Visa Integrated Circuit Card Application Overview. Single Message System A component of the V. Draft 12/18/00 31 Oct 2001 Visa Public Glossary–11 . System VisaNet Integrated Payment System. or declined if online is not available. This validation protects against some types of counterfeit.0 session key session key A temporary cryptographic key computed in volatile memory and not valid after a session is ended.P. Triple DES The data encryption algorithm used with a double-length DES key.I. the online processing component of VisaNet.4.P. Terminal Action Codes (TACs) Visa-defined rules in the terminal which the terminal uses to determine whether a transaction should be declined offline. Visa Certificate Authority (CA) A Visa-approved organization certified to issue certificates to participants in a Visa payment service. as a result of clearing. transaction An exchange of information between a cardholder and a merchant or an acquirer that results in the completion of a financial transaction. System that processes Online Financial and Deferred Clearing transactions. sent online for an authorization. but does not protect against skimming.I. smart card A commonly used term for a chip card. settlement The reporting of settlement amounts owed by one member to another or to Visa. 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. Static Data Authentication (SDA) A type of Offline Data Authentication where the terminal validates a cryptographic value placed on the card during personalization. V.

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

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

14–6 EXTERNAL AUTHENTICATE.D Visa Integrated Circuit Card Application Overview. 8–5 Certificate Serial Number. 13–4 transaction flow example. 14–7 READ RECORD. 14–7 Currency Conversion Factor. 14–7 CVM Code. 5–1. 12–4. 5–3 UPDATE RECORD. 6–13 CID. 14–3 Draft 12/18/00 Index–2 Visa Public 31 Oct 2001 . 11–5. 13–11 GENERATE AC. 14–9 Data encipherment. 2–3. 2–5. See velocity checking. 6–16 DDA key relationships. 14–6 CARD BLOCK. 3–4 to 3–5 Cardholder Verification. 8–7. 8–4. 6–3 Certificate Authority Public Key Index. 8–7 GET DATA. 1–7 to 1–8. 14–6 APPLICATION UNBLOCK. 8–8 CVM List. 2–11 commands APPLICATION BLOCK. 14–1 Cryptogram Information Data. 8–3 processing flow. 12–5 Combined DDA/AC Generation failure. 6–8 to 6–9. 13–3. 11–2. See DF Name default CVM. 6–13 PIN CHANGE/UNBLOCK. 8–3 CVM List Processing. 12–4 to 12–5. 6–11 DDA failed on last transaction. 8–3 CVM Entry. 2–10. 6–7. 14–7 credit. 2–8. 2–9.0 Completion. 12–8 to 13–1. 1–7 to 1–8. 6–14. 6–12. 11–3. 12–4. 1–7 data confidentiality. 14–3 DES keys. 13–5 to 13–6 command support requirements. 14–7 Cumulative Total Transaction Amount Upper Limit. 14–3 to 14–4 DDA. 2–7. 9–4 GET PROCESSING OPTIONS. 6–15 terminal data. 6–11 DES. 8–3. 2–3. 13–5 terminal data. 6–12 Dedicated File Name. 8–8 Cardholder Verification Method List. 6–11. 6–12 processing flow. 11–4. 6–12. 13–7 cryptogram version 14.4. 8–8 card data. 14–4 card reader. See CDOL2 Card Risk Management Data Object List. 8–3 CVR. 8–1. 8–9 CVM Type. See CVM processing Cardholder Verification Value. 11–7 CDOL2. 4–6. 8–8 CVM List processing. 10–2 to 10–4. 12–2. 14–7 VERIFY. 11–3 to 11–4. 6–4. 6–13. 12–1 credit risk. 13–4 Certificate Authority. See CDOL1 card velocity checking. See CVR Card Verification Value. 2–2. card Card Verification Results. 8–3. 2–7. 11–7 Card Risk Management Data Object List 2. 8–7 D Data Authentication Code (DAC). 6–16. Version 1. 14–3 Data Encipherment Session Key. 11–4. 11–5. 12–5 to 12–6. See CVV cardholder confirmation. 14–6 PUT DATA. 14–7 Cumulative Total Transaction Amount Limit (Dual Currency). 11–3. See CVV CDOL1. 8–8 CVM Conditions. 10–4. 6–17. 8–3. 13–4 to 13–5 online processing. 6–11 to 6–17 card data. 2–9. 8–8 CVM Processing. 13–4 processing flow. See Cryptogram Information Data Combined DDA/AC Generation. 2–2. 12–8. 10–7 card data. 8–10 Card Risk Management. 13–10 Consecutive Transaction Limit (International). 13–8 Card Risk Management checks. 13–4 GET CHALLENGE. 13–1 to 13–11 card data. 11–2 to 11–3. 12–2. 3–5 cardholder selection. 2–3 Default DDOL. 12–4. See CVM List Cardholder Verification Method. 8–10 processing. 11–3 DDA Failure Indicator. See Directory Definition File DDOL. 6–1. 8–1 to 8–14. 6–6 DDF. 12–6. 4–3 INTERNAL AUTHENTICATE. 14–7 Consecutive Transaction Limit (International—Country). 1–8 Cumulative Total Transaction Amount Limit. 13–3 cryptogram type. 1–9.

6–16. 8–14 card data. 6–13 ISO documentation. 4–1. 4–4 functions. 6–4. 6–11. See also Application Expiration Date EXTERNAL AUTHENTICATE command. 13–1 Issuer-to-Card Script Processing. 13–5. 14–6. See DDA dynamic signature. 8–11 ICC PIN Encipherment key data. 12–5. 2–11. 4–2 Issuer Country Code “5F28”. 9–4 to 9–5 GET PROCESSING OPTIONS command. 11–1 Cardholder Verification. Version 1. 3–4 to 3–5 Dynamic Data Authentication Failure Indicator. mandatory and optional. 13–3 to 13–9.4. 6–11. 6–4 to 6–5. 11–2 to 11–5. See GENERATE AC command Geographic Indicator. 1–8. 10–1 to 10–7. See DDA Failure Indicator Dynamic Data Authentication. 1–8. 10–3 to 10–4. 8–10 GET DATA command. 12–2. 2–11. 9–4 fraud risk. 6–12 Initiate Application Processing. 2–2. 12–1. 14–1 functional overview. 2–2. 2–11. 3–7. 8–1 Completion. 2–2. 6–1 Online Processing. 8–6 Europay. 13–3 Issuer Authentication. 6–8 Issuer Public Key. 7–1 Read Application Data. 11–7 GENERATE APPLICATION CRYPTOGRAM. 8–14. 9–1 functions. 6–4 to 6–5. 12–5 to 12–6. 2–1 functional requirements card. 8–5 Issuer Public Key Exponent. 6–4 to 6–5. 1–7. 2–11. 8–5 ICC PK Certificate. 6–12 ICC key data. 12–1. 7–2 issuer host. 4–4 GET CHALLENGE command. 2–7 miscellaneous terminal. 4–2 to 4–3 floor limits. 6–12 to 6–13 ICC Private Key. 1–7. 12–4 to 12–5. 4–5 terminal processing. 8–10. 4–3 to 4–5 E H hash. 2–7. 3–2. See Issuer PK Certificate Issuer Public Key Component. 14–8 to 14–9 Issuer Authentication Data. 6–3. 12–5 ICC Public Key Certificate. 12–6 I IACs. 1–10 Issuer Action Codes. 4–1 processing flow. 12–3. 5–1 Terminal Action Analysis. 6–14. 2–10 terminal. 12–4. 13–9 F Fail CVM. 6–8 to 6–9. 2–9. 6–12 ICC Public Key Remainder. 14–8 Terminal Action Analysis. 13–7 to 13–8. 6–9. See File Control Information File Control Information. 6–3 to 6–5. See EMV Expiration Date. 2–9 functions Card Action Analysis. 8–7. 12–2. 4–3 to 4–4 INTERNAL AUTHENTICATE command. 6–13 to 6–14. 3–2 Directory Selection Method. 11–5 ICC Public Key. 8–11 ICC PIN Encipherment Private Key. 6–13. 14–3 ENC UDK. 12–1 Processing Restrictions. 12–4 to 12–5 Geographic Restrictions. 10–1 Terminal Risk Management. 1–3. 8–11 FCI. MasterCard. 6–13 Issuer Private Key. 12–3. 12–5 Issuer Authentication Failure Indicator. 8–7. 12–6 Issuer Authentication Failure on Last Transaction. 6–4 Issuer Public Key data. 6–8 Issuer Public Key Remainder. 13–6 ICC Dynamic Number. 6–8 issuer script. 2–7 G GENERATE AC command. 6–3.0 Directory Definition File. See IACs Issuer Application Data. 6–13 Issuer Public Key Certificate. 11–3 Issuer Country Code. 6–11 to 6–14. 2–11.Visa Integrated Circuit Card Application Overview. 2–5. 14–1 Offline Data Authentication. 1–6 to 1–7 EMV documentation. 4–1. 12–5 E EMV. 3–2 Directory File. 6–14. 4–2 Draft 12/18/00 Visa Public 31 Oct 2001 Index–3 . 2–11. 11–5. Visa. 13–1. 14–3 Enciphered PIN Data. 1–11 ENC MDK. 6–9. See ICC PK Certificate ICC Public Key Exponent. 12–7 Issuer PK Certificate. 12–2. 4–2 to 4–3 card processing.

See MAC keys Message Authentication Code. 8–10 online authorization. 8–1. 9–5 Lower Consecutive Offline Limit “9F58”. 13–8 No CVM Required. 12–5 online response. 3–2 to 3–3. 13–11. See MAC MDK Master Message Authentication Code Session Key. 14–3 Keys and Certificates. 4–1 to 4–3. 3–2 Payment Systems Environment. 13–5. 2–8. 11–7. 11–3. card data for. 9–4 to 9–5 List of AIDs Method. 12–4 flow. 14–8 processing flow. 14–3 magnetic stripe. 14–3 MAC Session Key. 8–7. 8–5 CVM processing. 14–4 online response data. 8–10. 9–5. See PIN PIN CHANGE/UNBLOCK command. 2–4. 12–1 to 12–8. 14–5 processing. 14–4 Issuer Script Identifier. 2–11. 9–2. See Last Online ATC Register Last Online ATC Register. See MAC message integrity. 1–3 K keys. 8–4. 8–14. See floor limit checking Merchant Forced Transaction Online. 14–5 N new card. 14–3. 9–3 merchant floor limit. 8–7 supported CVMs. 2–7. 3–2 PDOL. 8–11 O Offline Data Authentication. 13–8.0 Issuer Script Command Counter. 2–8. 8–12 PIN Try Counter. 4–6. 14–5 Issuer Script Processed on Last Online Transaction. 8–11 Online Processing. 14–4 issuer script commands. 6–1 to 6–17. 3–4 Lower Consecutive Offline Limit “9F14”. 11–4. 8–10 PIN processing flow. 9–2. 11–7 Offline Plaintext PIN. 12–5 terminal data. 10–1 Online Authorization Indicator. 2–5. 8–4 Offline PIN Verification not Performed (PIN Try Limit Exceeded). 8–7. 12–2 commands. See MAC Session Key Maximum Target Percentage to be used for Biased Random Selection. 11–3. 2–9. 2–2. 2–10. 8–10 optional terminal changes. 14–6 PIN Pad Secret Key. 14–7 mandatory. 8–10. Offline Data Authentication. 9–4 Message Authentication Code Keys. See PVV Draft 12/18/00 Index–4 Visa Public 31 Oct 2001 . 14–9 P PAN. 14–9 MAC MDK. 10–7 Offline Enciphered PIN card data. 9–4 Payment Systems Directory. 14–5 Issuer Script Template. 11–3 Issuer Script Results. 2–4 Online Card Authentication. 14–7 M MAC. 1–8 to 1–9 Online Authorization Not Completed (on previous transaction). 1–7. 14–5 issuer scripts. 14–6 PIN Try Limit. See ENC MDK Master Message Authentication Code Key. 2–10. 12–3 Processing. 12–5 optional.K Visa Integrated Circuit Card Application Overview. 14–5 Issuer Script Failure Indicator. 4–6 Personal Identification Number. 8–7. See Issuer-to-Card Script processing Issuer-to-Card Script Processing. 12–7 online response data. 1–3 Master Data Encipherment DEA Key. 14–10 terminal data. 13–8 PIN Verification Value. 6–4 to 6–5 L Last Online Application Transaction Register.4. See CAM online PIN. 4–6. 5–2 to 5–3. 8–1 Offline PIN processing. 14–1 to 14–11 card data. 11–3 Online Card Authentication. 8–6. 14–3 to 14–4 MAC UDK. 9–2. 8–4. Version 1. 8–1. 12–3 online request. 1–7 processing commands. 14–11 card data.

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

9–3 to 9–4 Transaction PIN. 12–3. 9–2 processing flow. 9–5 Upper Consecutive Offline Limit “9F59”. 2–6 Transaction Log. 12–2. 9–5. 6–8 to 6–9. 13–7 Z Z1 Authorization Response Code. 7–4 to 7–5. 8–6. See Visa Private Key Visa CA Public Key. 12–3. See Transaction Status Information TVR. 9–1 to 9–8. 6–8 Visa Public Key. 8–8. 14–7 V velocity checking. sample.4. See MAC UDK Unpredictable Number. 6–13. 1–1 impact summary. 8–6. 6–8 to 6–9. 14–5 Transaction Type. 1–11 Visa Integrated Circuit Card Specification. 1–3 Threshold Value for Biased Random Selection. 9–3 Transaction Certificate. 1–6 update. 9–5 VERIFY command. See velocity checking. See UDKs Unique Message Authentication Code Key. 2–3. 13–4 to 13–6. 14–7 Upper Consecutive Offline Limit. Version 1. 9–3. 6–3 to 6–4. 6–3. 13–8 velocity checking.0 VLP Single Transaction Limit. 8–8. 14–5 Y Y3 Authorization Response Code. See ENC UDK Unique DEA Keys A and B. 2–12. 7–3 TSI. 9–3 to 9–5. 6–11. 11–7 Upper Consecutive Offline Limit “9F23”. 9–6 terminal data. 12–6 UDKs. 12–5 to 12–6. 14–7 terminal velocity checking. 1–7. See Unique DEA Keys Unique Data Encipherment DEA Key. See TC Transaction Date. 13–1. 2–10. terminal. 14–7 Terminal Risk Management.U Visa Integrated Circuit Card Application Overview. terminal Terminal Verification Results. 6–11 UPDATE RECORD command. 8–6 VLP Funds Limit. 8–7. 8–10 Visa CA Private Key. 8–10 Transaction Status Information (TSI). card. 11–3. 11–1. 2–12. 1–2 Visa Low-value Payment. 14–7 Draft 12/18/00 Visa Public Index–6 31 Oct 2001 . 13–6 Z3 Authorization Response Code. 7–3 to 7–5 transaction flow. 2–8. 1–7 revisions. 12–6. 13–7 U UDKs. 11–7. 10–3 to 10–4. 2–12 Visa Private Key. 1–9. 10–7 card data. See TVR terminated transactions. See Visa Public Key Visa documentation. 9–2. 9–3 terminal velocity checking.

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