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Read smart card chip data with APDU
commands ISO 7816
Read smart card chip data with
APDU commands ISO 7816
31422 views
Posted on 28th Nov 2019 31421 views
BIN List & Range for MasterCard,
This explanation builds on top of existing information at wiki about
Visa, Amex, Diners, Discover, JCB,
https://en.wikipedia.org/wiki/Smart_card_application_protocol_data_unit CUP
28091 views
A selected list of used commands is available at the end of this page.
Deploy, run and generate with
Any smart card reader will come with a set of drivers an libraries to interface with it. We will assume that you do not neaPay Card Data Generator
need to build communication with the reader, just to use it. 12338 views

The reader comes with an interface to send apdu commands. Run the neaPay ISO8583
simulator
Depending on your Card Brand, different commands need to be used.
11748 views

First thing you do is to select the application.

ISO8583 Response Codes for
Command looks like this for Visa an then Mastercard: Transaction processing
11748 views
00A4040007A000000003101000 
ISO8583 payments message
00A4040007A0000000043060 format, programmers guide
10854 views
Then get the processing option:
MCC Codes - Merchant Category
80A800000483025541
Codes to use in ISO8583 Field 18
And then just get all the information from your chip card 8496 views

80AE8000210000000000000000000000000586000000000005861802020000E44E4B11040001 ISO8583 message: The list of ISO

4217 currency codes for data
  elements 49 and 52
8310 views
 
ISO8583 Message Types for
 
Transaction Processing
  8071 views

  ISO8583 Processing Codes for

Transaction Processing
   8009 views

ISO8583 Message Converter

Smartcard Selected Information JSON and XML interface

specification mapping

APDU list
7618 views

Deploy the neaPay ISO8583

 
simulator - video guide
5635 views
#------------+------------------------+------------------------+----------------------+--------------------------------+
|ClaIns P1 P2|Lc Send Data |Le Recv Data | Specification | Description |
Create a new
+------------+------------------------+------------------------+----------------------+--------------------------------+ test case in the
| 04 | ISO 7816-96.3 | DEACTIVATE FILE neaPay ISO8583
| simulator Video
| A0 04 00 00 00 | 3GPP TS 11.11 | | INVALIDATE guide
| A0 04 00 00 00 | SAGEM SCT U34 6.15
5156 views | | INVALIDATE
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 0D xx xx 08 xxxx xxxx xxxx xxxx | SAGEM SCT U34 | VERIFY TRANSPORT CODE Log Files in
| BASE24 classic
+------------+------------------------+------------------------+----------------------+--------------------------------+
4823 views
| 0C | ISO 7816-47.3.6 | ERASE RECORD (S)
|
| 80 0C 00 xx xx BASE24 classic interview
| SAGEM SCT U34 8.1.2 | CHECK (flash)
|
| 80 0C 01 xx xx | SAGEM SCT U34 8.1.2 | CHECK (EEPROM) questions|
| 80 0C 02 xx xx | SAGEM SCT U34 8.1.2 | CHECK (checksum of file)
4311 views
|
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 0E | ISO 7816-48.2.4 | ERASE BINARY |
BASE24 documentation to read
+------------+------------------------+------------------------+----------------------+--------------------------------+
4250 views
| 10 | ISO 7816-4 | PERFORM SCQL OPERATION |
| 00 10 00 80 xx table name, ... | ISO 7816-47.1 | CREATE TABLE |
Performance testing at 500, 1000
| 00 10 00 81 xx view name, table name | ISO 7816-47.2 | CREATE VIEW |
and 1500 TPS
| 00 10 00 82 xx dictionary name | ISO 7816-47.3 | CREATE DICTIONARY |
4179 views
| 00 10 00 83 xx table name | ISO 7816-47.4 | DROP TABLE |
| 00 10 00 84 xx view or dictionary | ISO 7816-47.5 | DROP VIEW |
BASE24 classic vs BASE24-eps
| 00 10 00 85 xx privileges | ISO 7816-47.6 | GRANT |
4099 views
| 00 10 00 86 xx privileges | ISO 7816-47.7 | REVOKE |
| 00 10 00 87 xx data | ISO 7816-47.8 | DECLARE CURSOR |
Connect the neaPay ISO8583
| 00 10 00 88 | ISO 7816-47.9 | OPEN |
| 00 10 00 89 | ISO 7816-47.10 | NEXT
Acquirer |simulator to your own
| 00 10 00 8A xx D, fixing N (columns)| ISO 7816-47.11 | FETCH host or Issuer
|
| 00 10 00 8B xx D, fixing N (columns)| ISO 7816-47.12 | FETCH NEXT 3800 views |
| 00 10 00 8C xx data | ISO 7816-47.13 | INSERT |
| 00 10 00 8D xx data | ISO 7816-47.14 | UPDATE Asking for
| defects support for
| 00 10 00 8E | ISO 7816-47.15 | DELETE the neaPay | products: converter,
switch, issuer, simulator
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 12 | ISO 7816-4 | PERFORM TRANSACTION OPERATION
3630 views |
| 00 12 00 80 | ISO 7816-48.2.1 | BEGIN |
| 00 12 00 81 | ISO 7816-48.2.2 | COMMIT ISO8583 converter
| to JSON XML
| 00 12 00 82 | ISO 7816-48.2.3 | ROLLBACK |
SQL to HTTP host - message flow
+------------+------------------------+------------------------+----------------------+--------------------------------+
- video guide - Part.2
| 14 | ISO 7816-4 | PERFORM USER OPERATION |
3511 views
| 00 14 00 80 xx User ID, ... | ISO 7816-49.2.1 | PRESENT USER |
| 00 14 00 81 xx User ID, profile, ... | ISO 7816-49.2.2 | CREATE USER |
BASE24 classic screens examples
| 00 14 00 82 xx User ID | ISO 7816-49.2.3 | DELETE USER |
| 80 14 xx xx 00 | GEMPLUS MPCOS-EMV | Switch Protocol explained |
3488 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 84 16 00 00 xx MAC | VSDC | CARD BLOCK |
| 80 16 0X 00 05 xxxx xxxx xx | GEMPLUS MPCOS-EMV Load
| Freeze Access Conditions Test |enabling and
| 84 16 0X 00 08 xxxx xxxx xxxx xxxx | GEMPLUS MPCOS-EMV performance
| Freeze Access Conditions | testing at 1TPS and
100TPS
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 84 18 00 00 xx MAC | VSDC | APPLICATION UNBLOCK 3399 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 84 1E 00 00 xx MAC | VSDC | APPLICATION BLOCK Regression | Testing in 1 click with
instant Analytics and CSV report
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 20 | ISO 7816-48.5.5 | VERIFY |
3345 views
| 00 20 00 80 08 xxxx xxxx xxxx xxxx | VSDC | VERIFY (Transaction PIN data) |
| A0 20 00 xx 08 CHV Value | 3GPP TS 11.11 | VERIFY |
ISO8583 converter to JSON XML
| A0 20 00 xx 08 CHV Value | SAGEM SCT U34 6.10 | VERIFY |
SQL to HTTP Host - host
| 80 20 00 xx 08 ADM Value | SAGEM SCT U34 8.1.4 | VERIFY ADM |
unavailable - video guide- Part.3
+------------+------------------------+------------------------+----------------------+--------------------------------+
3332 views
| 80 21 00 xx 08 ADM Value | SAGEM SCT U34 8.1.4 | VERIFY ADM |
+------------+------------------------+------------------------+----------------------+--------------------------------+
Card readers supported by
| 22 | ISO 7816-48.5.10 | MANAGE SECURITY ENVIRONMENT |
neaPay payments
+------------+------------------------+------------------------+----------------------+--------------------------------+ simulator, CHIP
| 24 | ISO 7816-48.5.6 | CHANGE CHV and NFC |
| 84 24 00 00 xx PIN data + MAC | VSDC | PIN CHANGE/UNBLOCK 3331 views |
| A0 24 00 xx 10 Old CHV, New CHV | 3GPP TS 11.11 | CHANGE CHV |
| A0 24 00 xx 10 Old CHV, New CHV | SAGEM SCT U34 6.11 | CHANGE CHV Enabling traces
| in the payments
simulator
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 26 | ISO 7816-48.5.8 | DISABLE CHV1 3264 views |
| A0 26 00 01 08 CHV1 value | 3GPP TS 11.11 | DISABLE CHV1 |
| A0 26 00 01 08 CHV1 value | SAGEM SCT U32 6.12 | DISABLE CHV1 EMV explained
| for programmers
+------------+------------------------+------------------------+----------------------+--------------------------------+
3261 views
| 28 | ISO 7816-48.5.7 | ENABLE CHV1 |
| A0 28 00 01 08 CHV1 value | 3GPP TS 11.11 | ENABLE CHV1 Run the neaPay
| ISO8583
| A0 28 00 01 08 CHV1 value | SAGEM SCT U34 6.13 | ENABLE CHV1 converter|to JSON, XML, SQL, in a
+------------+------------------------+------------------------+----------------------+--------------------------------+
test environment
| 2A | ISO 7816-85.2 | PERFORM SECURITY OPERATION |
3260 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 2C | ISO 7816-48.5.9 | UNBLOCK CHV |
ISO8583 converter to JSON XML
| A0 2C 00 xx 10 Unblock CHV(PUK), New CHV | 3GPP TS 11.11 | UNBLOCK CHV |
SQL to HTTP host - start& run -
| A0 2C 00 xx 10 Unblock CHV(PUK), New CHV | SAGEM SCT U34 6.14 | UNBLOCK CHV |
video guide - Part.1
+------------+------------------------+------------------------+----------------------+--------------------------------+
| A0 2E 00 0# 01 Data | 3GPP TS 11.11 | WRITE CODE STATUS 3256 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| A0 32 00 00 03 Value to be added. | 3GPP TS 11.11 | INCREASE Adding your| own card to the
| A0 32 00 00 03 Value to be added. | SAGEM SCT U34 6.9 | INCREASE Payments|simulator to test your
system
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 39 | | java Authentificate User
3255Comman|
views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 44 | ISO 7816-96.4 | ACTIVATE FILE Run One,|Run Scenario, Run All,
| A0 44 00 00 00 | 3GPP TS 11.11 | REHABILIDATE Run Load |in the neaPay ISO8583
| A0 44 00 00 00 | SAGEM SCT U34 6.16 | REHABILIDATE |
Simulator - Use guide
+------------+------------------------+------------------------+----------------------+--------------------------------+
3248 views
| 46 | ISO 7816-85.1 | GENERATE ASYMMETRIC KEY PAIR |
+------------+------------------------+------------------------+----------------------+--------------------------------+
Altering test cases in Excel for the
| 80 50 xx xx 08 Host challenge 00 | GlobalPlatform | INITIALIZE UPDATE then [C0] |
ISO8583 simulator
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 70 | ISO 7816-48.1.2 | MANAGE CHANNEL 3247 views |

| 00 70 xx xx xx | GlobalPlatform | MANAGE CHANNEL |

Deploy the neaPay ISO8583
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 78 00 03 xx | GlobalPlatform | END R-MAC SESSION Payments|converter in a test
environment
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 7A xx 01 xx Data and C-MAC, if needed | GlobalPlatform | BEGIN R-MAC SESSION 3247 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 82 | ISO 7816-48.5.3 | EXTERNAL AUTHENTICATE How the | fingerprint reader works
| 84 82 00 00 10 Host cryptogram and MAC | GlobalPlatform | EXTERNAL AUTHENTICATE in the ISO8583
| payments
| 84 82 00 00 0A Authentication-related data | VSDC | EXTERNAL AUTHENTICATE simulator |
| 00 82 00 xx 06 Manual | GEMPLUS MPCOS-EMV | EXTERNAL AUTHENTICATE |
3246 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 84 | ISO 7816-48.5.2 | GET CHALLENGE Changing| fields definitions in the
| 00 84 00 00 08 Rnd Num | VSDC | GET CHALLENGE |
ISO8583 simulator and message
| 00 84 xx xx 08 Rnd Num | GEMPLUS MPCOS-EMV | GET CHALLENGE |
converter
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 86 | ISO 7816-48.5.4 | GENERAL AUTHENTICATE 3245 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| INTERNAL AUTHENTICATE Sample Recommended
| 88 | ISO 7816-48.5.1 |
design for
| 00 88 XX xx 0A Manual | GEMPLUS MPCOS-EMV | INTERNAL AUTHENTICATE an Acquirer | test cases suite,
| A0 88 00 00 10 RAND : Rnd num xx SRES( 4B) , Kc (8B) | 3GPP TS 11.11 | RUN GSM ALGORITHM Scenarios |and Regression
| A0 88 00 00 10 RAND : Rnd num xx SRES( 4B) , Kc (8B) | SAGEM SCT U34 6.17 | RUN GSM ALGORITHM 3245 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| A0 | ISO 7816-48.2.5 | SEARCH BINARY BASE24-eps | interview questions
+------------+------------------------+------------------------+----------------------+--------------------------------+
3103 views
| A2 | ISO 7816-48.3.5 | SEEK |
| A0 A2 00 xx xx Pattern xx | 3GPP TS 11.11 | SEEK Cards and|Banks Training
| A0 A2 00 xx xx Pattern xx | SAGEM SCT U34 6.8 | SEEK 3098 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| A4 | ISO 7816-48.1.1 | SELECT BASE24 classic
| ATM
| 00 A4 04 00 xx AID 00 | GlobalPlatform | SELECT |
configuration Tutorial in ATD and
| 00 A4 00 xx xx File ID || Name 00 Manual | VSDC | SELECT |
XPNET with examples
| A0 A4 00 00 02 File ID | 3GPP TS 11.11 | SELECT |
2938 views
| A0 A4 00 00 02 File ID | SAGEM SCT U34 6.1 | SELECT |
+------------+------------------------+------------------------+----------------------+--------------------------------+
Deploy the neaPay HSM
| 80 A8 00 00 00 00 | VSDC | GET PROCESSING OPTIONS |
simulator in a test environment
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 AE 00 xx Transaction-related data | VSDC | 2911 views |

+------------+------------------------+------------------------+----------------------+--------------------------------+
| B0 | ISO 7816-48.2.1 | READ BINARY
Deploy the |
Payments Switch
| 00 B0 xx xx xx | GEMPLUS MPCOS-EMV | READ BINARY Router in |a test environment
| A0 B0 xx xx xx | 3GPP TS 11.11 | READ BINARY 2845 views |
| A0 B0 xx xx xx | SAGEM SCT U34 6.4 | READ BINARY |
ISO8583 ATM POS Crypto API
+------------+------------------------+------------------------+----------------------+--------------------------------+
| B2 | ISO 7816-48.3.1 | READ RECORD integration| with exchanges like
| 00 B2 xx 00 | VSDC | READ RECORD Coinbase |or Binance
| A0 B2 xx xx xx | 3GPP TS 11.11 | READ RECORD 2746 views |
| A0 B2 xx xx xx | SAGEM SCT U34 6.6 | READ RECORD |
Add extra custom fields to the
+------------+------------------------+------------------------+----------------------+--------------------------------+
| B4 | | java Component Data ISO8583 simulator
|
+------------+------------------------+------------------------+----------------------+--------------------------------+
2625 views
| B8 | | java Create Applet |
+------------+------------------------+------------------------+----------------------+--------------------------------+
BASE24 classic cards
| BA | | java CAP end |
configuration tutorial with
+------------+------------------------+------------------------+----------------------+--------------------------------+
Examples
| BC | | java Component end |
2520 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| BE 04 Data | GEMPLUS GemClub-MEMO | READ |
+------------+------------------------+------------------------+----------------------+--------------------------------+ ACI DESKTOP
BASE24-EPS
| C0 | ISO 7816-48.6.1 | GET RESPONSE tutorial - |Getting started
| 00 C0 1C Key Info | GlobalPlatform | GET RESPONSE 2287 views |
| 00 C0 00 00 00 | VSDC | GET RESPONSE |
| 80 C0 00 00 xx | GEMPLUS MPCOS-EMV Getting started
| Get Info on Get Response | with BASE24.
| 80 C0 02 A0 08 Chip SN | GEMPLUS MPCOS-EMV | Get Info Compiling| your first TAL program
| 80 C0 02 A1 08 Card SN | GEMPLUS MPCOS-EMV | Get Info 2094 views |
| 80 C0 02 A2 08 Issuer SN | GEMPLUS MPCOS-EMV | Get Info |
| 80 C0 02 A3 04 Iss.Ref.N | GEMPLUS MPCOS-EMV | Get Info BASE24 classic
| prefix
| 80 C0 02 A4 0D Chip Inf | GEMPLUS MPCOS-EMV | Get Info configuration
| tutorial CPF with
| 80 C0 02 A5 xx Keys | GEMPLUS MPCOS-EMV | Get Info
examples |
| 80 C0 02 A6 02 Last DF/EF | GEMPLUS MPCOS-EMV | Get Info |
1993 views
| A0 C0 00 00 xx | 3GPP TS 11.11 | GET RESPONSE |
| A0 C0 00 00 xx | SAGEM SCT U34 6.3 | GET RESPONSE |
BASE24 classic tracing of
+------------+------------------------+------------------------+----------------------+--------------------------------+
transactions. Audits,
| C2 | ISO 7816-48.6.2 | ENVELOPE |
configuration,
+------------+------------------------+------------------------+----------------------+--------------------------------+
enabling and
| C4 | | java Delete Applets opening |
1888 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| CA | ISO 7816-48.4.1 | GET DATA |
| 00 CA 00 xx xx MAC, if present | GlobalPlatform | GET DATA Working with| Base24-eps vs
| 80 CA xx xx xx | VSDC | GET DATA BASE24 Classic
|
+------------+------------------------+------------------------+----------------------+--------------------------------+
1826 views
| D0 | ISO 7816-48.2.2 | WRITE BINARY |
| 80 D0 xx xx xx Data to be written in EEPROM | VSDC | LOAD STRUCTURE BASE24 classic
| Institution
configuration Tutorial with
+------------+------------------------+------------------------+----------------------+--------------------------------+
| D2 | ISO 7816-48.3.2 | WRITE RECORD
example |
+------------+------------------------+------------------------+----------------------+--------------------------------+
1803 views
| D6 | ISO 7816-48.2.3 | UPDATE BINARY |
| A0 D6 xx xx xx Data to be written in EEPROM | 3GPP TS 11.11 | UPDATE BINARY |
BASE24 classic interchange
| A0 D6 xx xx xx Data to be written in EEPROM | SAGEM SCT U34 6.5 | UPDATE BINARY |
configuration with examples
+------------+------------------------+------------------------+----------------------+--------------------------------+
1771 views
| 80 D8 xx xx xx KEY Date (and MAC) 00 | GlobalPlatform | PUT KEY |
| D8 | EMV | Set Card Status(personalization|
ACI BASE24 classic automatic
+------------+------------------------+------------------------+----------------------+--------------------------------+
| DA | ISO 7816-48.4.2 | PUT DATA extract configuration
|
| 00 DA xx xx xx Data | VSDC | PUT DATA 1759 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| DC | ISO 7816-4 | UPDATE RECORD BASE24 classic
| balance file
| 00 DC xx xx xx Data (and MAC) | VSDC | UPDATE RECORD configuration
| PBF with example
| A0 DC xx xx xx Data to be written in EEPROM | 3GPP TS 11.11 | UPDATE RECORD 1740 views |
| A0 DC xx xx xx Data to be written in EEPROM | SAGEM SCT U34 6.7 | UPDATE RECORD |
BASE24 classic routing in IDF
+------------+------------------------+------------------------+----------------------+--------------------------------+
| DE 04 Data | GEMPLUS GemClub-MEMO | UPDATE 1535 views |
| A0 DE 00 00 03 Data | 3GPP TS 11.11 | LOAD AoC(SICAP) |
Getting started with Base24
+------------+------------------------+------------------------+----------------------+--------------------------------+
| E0 | ISO 7816-96.1 | CREATE FILE development.| TAL tutorial
| 80 E0 02 00 0C Manual | GEMPLUS MPCOS-EMV | CREATE FILE 1501 views |
| 80 E0 xx xx xx FCI length | 3GPP TS 11.11 | CREATE FILE |
| 80 E0 xx xx xx FCI length | SAGEM SCT U34 | CREATE FILE Base24-eps | how to create
+------------+------------------------+------------------------+----------------------+--------------------------------+
journals with esbldjnl
| E2 | ISO 7816-48.3.4 | APPEND RECORD |
1485 views
| 80 E2 00 00 xx Record (and MAC) | GlobalPlatform | APPEND RECORD |
| 00 E2 00 00 xx Record | VSDC | APPEND RECORD |
BASE24 classic External Message
| 00 E2 00 00 xx Record | GEMPLUS MPCOS-EMV | APPEND RECORD |
File configuration EMF with
| 00 E2 00 00 xx Record | 3GPP TS 11.11 | APPEND RECORD |
examples
+------------+------------------------+------------------------+----------------------+--------------------------------+
| E4 | ISO 7816-96.2 | DELETE FILE 1385 views |
| 80 E4 00 00 xx TLV coded name | GlobalPlatform | DELETE FILE |
| A0 E4 00 00 02 xx xx | 3GPP TS 11.11 | DELETE FILE First steps| with BASE24 Classic
1342 views
+------------+------------------------+------------------------+----------------------+--------------------------------+
| E6 | ISO 7816-96.5 | TERMINATE DF |
| 80 E6 xx 00 xx Manual | GlobalPlatform | INSTALL Getting started
| with using
| A0 E6 xx xx 00 | 3GPP TS 11.11 | LOCK RECORD Prognosis|for BASE24 and
BASE24-eps
+------------+------------------------+------------------------+----------------------+--------------------------------+
| E8 | ISO 7816-96.6 | TERMINATE EF 1313 views |
| 80 E8 00 00 xx Record | GlobalPlatform | LOAD |
| A0 E8 00 xx 10 Data | 3GPP TS 11.11 | READ DIRECTORY BASE24 classic
| host configuration
+------------+------------------------+------------------------+----------------------+--------------------------------+
tutorial HCF with examples
| 80 EA 00 00 xx Data | 3GPP TS 11.11 | CREATE BINARY |
1230 views
| 80 EA 00 00 xx Data | SAGEM SCT U34 | CREATE BINARY |
+------------+------------------------+------------------------+----------------------+--------------------------------+
What to expect when installing
| 80 EE 00 xx 00 | VSDC | WRITE LOCK |
Base24-eps
+------------+------------------------+------------------------+----------------------+--------------------------------+
1212 views
| 80 F0 xx xx xx AID of Application (and MAC) | GlobalPlatform | SET STATUS |
+------------+------------------------+------------------------+----------------------+--------------------------------+
Managing BASE24-eps
| A0 F2 00 00 xx | 3GPP TS 11.11 | GET STATUS |
implementation projects
| A0 F2 00 00 xx | SAGEM SCT U34 6.2 | GET STATUS |
| 80 F2 xx xx | GlobalPlatform | GET STATUS 1124 views |

+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 F8 xx xx xx | SAGEM SCT U34 8.1.1 | DIR ISO8583 Message
| Converter to
XML SQL CSV interface
+------------+------------------------+------------------------+----------------------+--------------------------------+
| A0 FA 00 00 00 | 3GPP TS 11.11 | SLEEP specification
| mapping
| A0 FA 00 00 00 | SAGEM SCT U34 6.18 | SLEEP 687 views |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| 80 FB xx xx xx | SAGEM SCT U34 8.1.1 | DIR PCI compliant
| with neapay switch
+------------+------------------------+------------------------+----------------------+--------------------------------+
686 views
| 80 FC xx xx 10 | SAGEM SCT U34 8.1.3 | READ INFO |
+------------+------------------------+------------------------+----------------------+--------------------------------+
| FE | ISO 7816-96.7 | TERMINATE CARD USAGE |
| 80 FE xx xx 00 | SAGEM SCT U34 | BLOW FUSE |
+------------+------------------------+------------------------+----------------------+--------------------------------+

This is an example output from the built in

EMV card emulator:
 
[Step 1] SELECT FILE Master File (if available)
00 A4 00 00 00 response hex :

response SW1SW2 : 6d 00 response ascii : response parsed :

[Step 2] SELECT FILE 1PAY.SYS.DDF01 to get the PSE

directory
00 A4 04 00 0E 31 50 41 59 2E 53 59 53 2E 44 44 46 30 31 response hex : 6f 20 84 0e 31 50 41 59 2e 53 59 53 2e 44
44 46 30 31 a5 0e 88 01 02 5f 2d 04 6e 6f 65 6e 9f 11 01 01 response SW1SW2 : 90 00 response ascii : o
..1PAY.SYS.DDF01....._-.noen.... response parsed :

6f 20 -- File Control Information (FCI) Template 84 0e -- Dedicated File (DF) Name 31 50 41 59 2e 53 59 53 2e 44 44

46 30 31 (BINARY) a5 0e -- File Control Information (FCI) Proprietary Template 88 01 -- Short File Identifier (SFI) 02
(BINARY) 5f 2d 04 -- Language Preference 6e 6f 65 6e (=noen) 9f 11 01 -- Issuer Code Table Index 01 (NUMERIC)

[Step 3] Send READ RECORD to read all records in SFI 2

00 B2 01 14 00 response hex : 70 23 61 21 4f 07 a1 23 45 67 89 10 10 50 04 56 49 53 41 9f 12 0c 56 49 53 41 20 43
6c 61 73 73 69 63 87 01 02 response SW1SW2 : 90 00 response ascii : p#a!O..#Eg...P.VISA...VISA Classic... response
parsed :

70 23 -- Record Template (EMV Proprietary) 61 21 -- Application Template 4f 07 -- Application Identifier (AID) - card
a1 23 45 67 89 10 10 (BINARY) 50 04 -- Application Label 56 49 53 41 (=VISA) 9f 12 0c -- Application Preferred
Name 56 49 53 41 20 43 6c 61 73 73 69 63 (=VISA Classic) 87 01 -- Application Priority Indicator 02 (BINARY)

[Step 4] Send READ RECORD to read all records in SFI 2

00 B2 02 14 00 response hex : 70 25 61 23 4f 07 d5 78 00 00 02 10 10 50 09 62 61 6e 6b 61 78 65 70 74 9f 12 09 62
61 6e 6b 61 78 65 70 74 87 01 01 response SW1SW2 : 90 00 response ascii : p%a#O..x.....P.bankaxept...bankaxept...
response parsed :

70 25 -- Record Template (EMV Proprietary) 61 23 -- Application Template 4f 07 -- Application Identifier (AID) - card
d5 78 00 00 02 10 10 (BINARY) 50 09 -- Application Label 62 61 6e 6b 61 78 65 70 74 (=bankaxept) 9f 12 09 --
Application Preferred Name 62 61 6e 6b 61 78 65 70 74 (=bankaxept) 87 01 -- Application Priority Indicator 01
(BINARY)

[Step 5] Send READ RECORD to read all records in SFI 2

00 B2 03 14 00 response hex :

response SW1SW2 : 6a 83 response ascii : response parsed :

[Step 6] Select application by AID

00 A4 04 00 07 a1 23 45 67 89 10 10 response hex : 6f 37 84 07 a1 23 45 67 89 10 10 a5 2c 50 04 56 49 53 41 87 01
02 9f 38 06 9f 1a 02 5f 2a 02 5f 2d 04 6e 6f 65 6e 9f 11 01 01 9f 12 0c 56 49 53 41 20 43 6c 61 73 73 69 63 response
SW1SW2 : 90 00 response ascii : o7...#Eg....,P.VISA....8....*.-.noen.......VISA Classic response parsed :

6f 37 -- File Control Information (FCI) Template 84 07 -- Dedicated File (DF) Name a1 23 45 67 89 10 10 (BINARY) a5
2c -- File Control Information (FCI) Proprietary Template 50 04 -- Application Label 56 49 53 41 (=VISA) 87 01 --
Application Priority Indicator 02 (BINARY) 9f 38 06 -- Processing Options Data Object List (PDOL) 9f 1a 02 --
Terminal Country Code 5f 2a 02 -- Transaction Currency Code 5f 2d 04 -- Language Preference 6e 6f 65 6e (=noen)
9f 11 01 -- Issuer Code Table Index 01 (NUMERIC) 9f 12 0c -- Application Preferred Name 56 49 53 41 20 43 6c 61
73 73 69 63 (=VISA Classic)

[Step 7] Send GET PROCESSING OPTIONS command

80 A8 00 00 06 83 04 08 26 08 26 response hex : 80 0a 5c 00 08 01 01 00 08 02 05 01 response SW1SW2 : 90 00
response ascii : ........... response parsed :

80 0a -- Response Message Template Format 1 5c 00 08 01 01 00 08 02 05 01 (BINARY)

[Step 8] Send READ RECORD to read SFI 1 record 1

00 B2 01 0c 00 response hex : 70 4d 9f 1f 18 32 34 39 35 30 30 30 30 30 30 30 30 30 30 30 31 30 31 30 30 30 30 30
30 57 13 54 11 11 88 88 88 88 82 d1 20 32 01 12 34 56 78 90 00 0f 5f 20 1a 53 4d 49 54 48 2f 4a 4f 48 4e 20 20 20
20 20 20 20 20 20 20 20 20 20 20 20 20 response SW1SW2 : 90 00 response ascii :
pM...249500000000000101000000W.T........ 2..4Vx..._ .SMITH/JOHN
response parsed :

70 4d -- Record Template (EMV Proprietary) 9f 1f 18 -- [Magnetic Stripe] Track 1 Discretionary Data 32 34 39 35 30

30 30 30 30 30 30 30 30 30 30 31 30 31 30 30 30 30 30 30 (=249500000000000101000000) 57 13 -- Track 2
Equivalent Data 54 11 11 88 88 88 88 82 d1 20 32 01 12 34 56 78 90 00 0f (BINARY) 5f 20 1a -- Cardholder Name
53 4d 49 54 48 2f 4a 4f 48 4e 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 (=SMITH/JOHN )

[Step 9] Send READ RECORD to read SFI 1 record 2

00 B2 02 0c 00 response hex : 70 50 5f 24 03 12 03 31 5f 25 03 09 02 05 5a 08 54 11 11 88 88 88 88 82 5f 34 01 01
9f 07 02 ff 00 8e 12 00 00 00 00 00 00 00 00 42 01 41 03 5e 03 42 03 1f 00 9f 0d 05 f0 20 24 28 00 9f 0e 05 00 50 80
00 00 9f 0f 05 f0 28 3c f8 00 5f 28 02 05 78 response SW1SW2 : 90 00 response ascii :
pP_$...1_%....Z.T.......4.................B.A.^.B....... $(.....P.......(<..(..x response parsed :

70 50 -- Record Template (EMV Proprietary) 5f 24 03 -- Application Expiration Date 12 03 31 (NUMERIC) 5f 25 03 --

Application Effective Date 09 02 05 (NUMERIC) 5a 08 -- Application Primary Account Number (PAN) 54 11 11 88 88
88 88 82 (NUMERIC) 5f 34 01 -- Application Primary Account Number (PAN) Sequence Number 01 (NUMERIC) 9f 07
02 -- Application Usage Control ff 00 (BINARY) 8e 12 -- Cardholder Verification Method (CVM) List 00 00 00 00 00
00 00 00 42 01 41 03 5e 03 42 03 1f 00 (BINARY) 9f 0d 05 -- Issuer Action Code - Default f0 20 24 28 00 (BINARY) 9f
0e 05 -- Issuer Action Code - Denial 00 50 80 00 00 (BINARY) 9f 0f 05 -- Issuer Action Code - Online f0 28 3c f8 00
(BINARY) 5f 28 02 -- Issuer Country Code 05 78 (NUMERIC)

[Step 10] Send READ RECORD to read SFI 1 record 3

00 B2 03 0c 00 response hex : 70 47 9f 42 02 05 78 9f 44 01 02 9f 08 02 00 8c 8c 15 9f 02 06 9f 03 06 9f 1a 02 95 05
5f 2a 02 9a 03 9c 01 9f 37 04 8d 17 8a 02 9f 02 06 9f 03 06 9f 1a 02 95 05 5f 2a 02 9a 03 9c 01 9f 37 04 5f 30 02 02
01 9f 4a 01 82 response SW1SW2 : 90 00 response ascii : pG.B..x.D....................*......7................*......7._0....J.. response
parsed :

70 47 -- Record Template (EMV Proprietary) 9f 42 02 -- Application Currency Code 05 78 (NUMERIC) 9f 44 01 --

Application Currency Exponent 02 (NUMERIC) 9f 08 02 -- Application Version Number - card 00 8c (BINARY) 8c 15 -
- Card Risk Management Data Object List 1 (CDOL1) 9f 02 06 -- Amount, Authorised (Numeric) 9f 03 06 -- Amount,
Other (Numeric) 9f 1a 02 -- Terminal Country Code 95 05 -- Terminal Verification Results (TVR) 5f 2a 02 --
Transaction Currency Code 9a 03 -- Transaction Date 9c 01 -- Transaction Type 9f 37 04 -- Unpredictable Number
8d 17 -- Card Risk Management Data Object List 2 (CDOL2) 8a 02 -- Authorisation Response Code 9f 02 06 --
Amount, Authorised (Numeric) 9f 03 06 -- Amount, Other (Numeric) 9f 1a 02 -- Terminal Country Code 95 05 --
Terminal Verification Results (TVR) 5f 2a 02 -- Transaction Currency Code 9a 03 -- Transaction Date 9c 01 --
Transaction Type 9f 37 04 -- Unpredictable Number 5f 30 02 -- Service Code 02 01 (NUMERIC) 9f 4a 01 -- Static
Data Authentication Tag List 82 (BINARY)

[Step 11] Send READ RECORD to read SFI 1 record 4

00 B2 04 0c 00 response hex : 70 81 c0 8f 01 07 90 81 90 04 71 93 ac fb 32 3a bb 95 ac e6 c5 b4 69 27 6d b5 93 16
73 cb a2 e0 ee 23 37 9d 02 79 50 b6 c1 c8 4d 59 e9 aa 7a 54 1b 51 06 0b 0b df 51 4f 44 40 10 2b ee e8 4c 38 3a ce
13 b0 72 84 4e 97 a6 5e 0e 69 b1 c8 c5 dc f3 08 b4 26 b8 b3 3d 72 07 ff 29 a7 7d d5 64 46 ae 8d ba b8 d1 b9 ea 6a
32 ab 11 64 e7 35 2c 14 6d 0a 61 e6 de b1 ec 2f 91 25 27 b9 ce df 72 a9 b0 86 3a 9c 45 b4 9a 81 8a f4 69 8c 71 c9
72 d2 eb 25 41 84 5e 4d f8 a3 49 9f 32 01 03 92 24 5b c8 f7 38 4c 06 dc dc 35 97 51 d1 d4 31 52 0d f5 ff 2d 43 47
4a 88 60 3c 9e fc a0 66 6a 1a 42 bd f0 a4 f5 response SW1SW2 : 90 00 response ascii :
p.........q...2:......i'm...s....#7..yP...MY..zT.Q....QOD@.+..L8:...r.N..^.i.......&..=r..).}.dF.......j2..d.5,.m.a..../.%'...r...:.E.....i.q.r..%A.^M..I.2...$[..8L...5.Q..1R...-
CGJ.] response parsed :

70 81 c0 -- Record Template (EMV Proprietary) 8f 01 -- Certification Authority Public Key Index - card 07 (BINARY)
90 81 90 -- Issuer Public Key Certificate 04 71 93 ac fb 32 3a bb 95 ac e6 c5 b4 69 27 6d b5 93 16 73 cb a2 e0 ee 23
37 9d 02 79 50 b6 c1 c8 4d 59 e9 aa 7a 54 1b 51 06 0b 0b df 51 4f 44 40 10 2b ee e8 4c 38 3a ce 13 b0 72 84 4e 97
a6 5e 0e 69 b1 c8 c5 dc f3 08 b4 26 b8 b3 3d 72 07 ff 29 a7 7d d5 64 46 ae 8d ba b8 d1 b9 ea 6a 32 ab 11 64 e7 35
2c 14 6d 0a 61 e6 de b1 ec 2f 91 25 27 b9 ce df 72 a9 b0 86 3a 9c 45 b4 9a 81 8a f4 69 8c 71 c9 72 d2 eb 25 41 84
5e 4d f8 a3 49 (BINARY) 9f 32 01 -- Issuer Public Key Exponent 03 (BINARY) 92 24 -- Issuer Public Key Remainder 5b
c8 f7 38 4c 06 dc dc 35 97 51 d1 d4 31 52 0d f5 ff 2d 43 47 4a 88 60 3c 9e fc a0 66 6a 1a 42 bd f0 a4 f5 (BINARY)

[Step 12] Send READ RECORD to read SFI 1 record 5

00 B2 05 0c 00 response hex : 70 81 93 93 81 90 41 7c 43 3e 07 08 e7 14 4e ce c1 d3 6b bf 44 09 2e fe 27 3d aa 24
cb 34 c3 77 9e 4f 29 e7 7f 59 10 a9 c5 7e 0c bb e3 73 81 93 b3 51 f5 e4 66 18 75 1f 0a 5f fb 59 c7 76 1f f1 28 8d dd
ac a8 86 9b 61 14 b0 5c 6b 79 e4 d3 2b 97 95 c7 b4 ea e4 62 17 1b 05 90 7d 67 09 03 4e 58 26 aa 97 a8 d8 ab 71
c5 70 a5 8d 4a 4a f0 a5 a7 06 5e 7a 22 ec 9b d3 a0 06 f2 4d 29 40 9c 22 88 87 c8 14 2a f1 37 da d9 f8 3c 64 96 32
ce ab 8b 3c 1c d1 eb 58 response SW1SW2 : 90 00 response ascii : p.....A|C>....N...k.D...'=.$.4.w.O)..Y...~...s...Q..f.u.._.Y.v..
(......a..ky..+......b....}g..NX&.....q.p..JJ....^z"......M)@."....*.7...

70 81 93 -- Record Template (EMV Proprietary) 93 81 90 -- Signed Static Application Data 41 7c 43 3e 07 08 e7 14

4e ce c1 d3 6b bf 44 09 2e fe 27 3d aa 24 cb 34 c3 77 9e 4f 29 e7 7f 59 10 a9 c5 7e 0c bb e3 73 81 93 b3 51 f5 e4
66 18 75 1f 0a 5f fb 59 c7 76 1f f1 28 8d dd ac a8 86 9b 61 14 b0 5c 6b 79 e4 d3 2b 97 95 c7 b4 ea e4 62 17 1b 05
90 7d 67 09 03 4e 58 26 aa 97 a8 d8 ab 71 c5 70 a5 8d 4a 4a f0 a5 a7 06 5e 7a 22 ec 9b d3 a0 06 f2 4d 29 40 9c 22
88 87 c8 14 2a f1 37 da d9 f8 3c 64 96 32 ce ab 8b 3c 1c d1 eb 58 (BINARY)

[Step 13] Send GET DATA command to find the

Application Transaction Counter (ATC)
80 CA 9F 36 00 response hex : 9f 36 02 00 79 response SW1SW2 : 90 00 response ascii : .6..y response parsed :

9f 36 02 -- Application Transaction Counter (ATC) 00 79 (BINARY)

[Step 14] Send GET DATA command to find the Last

Online ATC Register
80 CA 9F 13 00 response hex : 9f 13 02 00 67 response SW1SW2 : 90 00 response ascii : ....g response parsed :

9f 13 02 -- Last Online Application Transaction Counter (ATC) Register 00 67 (BINARY)

[Step 15] Send GET DATA command to find the PIN Try
Counter
80 CA 9F 17 00 response hex : 9f 17 01 03 response SW1SW2 : 90 00 response ascii : .... response parsed :

9f 17 01 -- Personal Identification Number (PIN) Try Counter 03 (BINARY)

[Step 16] Send GET DATA command to find the Log

Format
80 CA 9F 4F 00 response hex :

response SW1SW2 : 6a 81 response ascii : response parsed :

[Step 17] VERIFY (PIN)

00 20 00 80 08 24 12 34 ff ff ff ff ff response hex :

response SW1SW2 : 90 00 response ascii : response parsed :

[Step 18] Select application by AID

00 A4 04 00 07 d5 78 00 00 02 10 10 response hex : 6f 2e 84 07 d5 78 00 00 02 10 10 a5 23 50 09 62 61 6e 6b 61 78
65 70 74 87 01 01 5f 2d 02 6e 6f 9f 11 01 01 9f 12 09 62 61 6e 6b 61 78 65 70 74 response SW1SW2 : 90 00
response ascii : o....x......#P.bankaxept..._-.no.......bankaxept response parsed :

6f 2e -- File Control Information (FCI) Template 84 07 -- Dedicated File (DF) Name d5 78 00 00 02 10 10 (BINARY) a5
23 -- File Control Information (FCI) Proprietary Template 50 09 -- Application Label 62 61 6e 6b 61 78 65 70 74
(=bankaxept) 87 01 -- Application Priority Indicator 01 (BINARY) 5f 2d 02 -- Language Preference 6e 6f (=no) 9f 11
01 -- Issuer Code Table Index 01 (NUMERIC) 9f 12 09 -- Application Preferred Name 62 61 6e 6b 61 78 65 70 74
(=bankaxept)

[Step 19] Send GET PROCESSING OPTIONS command

80 A8 00 00 02 83 00 response hex : 80 06 18 00 08 01 01 00 response SW1SW2 : 90 00 response ascii : ........
response parsed :

80 06 -- Response Message Template Format 1 18 00 08 01 01 00 (BINARY)

[Step 20] Send READ RECORD to read SFI 1 record 1

00 B2 01 0c 00 response hex : 70 6e 5a 09 95 78 52 64 12 34 56 78 90 5f 34 01 02 5f 24 03 12 03 29 57 13 95 78 52
64 12 34 56 78 90 d1 20 36 01 12 34 56 78 90 0f 8c 15 9f 02 06 9f 03 06 9f 1a 02 95 05 5f 2a 02 9a 03 9c 01 9f 37 04
8d 17 8a 02 9f 02 06 9f 03 06 9f 1a 02 95 05 5f 2a 02 9a 03 9c 01 9f 37 04 8e 0a 00 00 00 00 00 00 00 00 02 00 9f
0d 05 b0 40 04 88 00 response SW1SW2 : 90 00 response ascii : pnZ..xRd.4Vx.4..$...)W..xRd.4Vx..
6..4Vx...............*......7................*......7.................@... response parsed :

70 6e -- Record Template (EMV Proprietary) 5a 09 -- Application Primary Account Number (PAN) 95 78 52 64 12 34

56 78 90 (NUMERIC) 5f 34 01 -- Application Primary Account Number (PAN) Sequence Number 02 (NUMERIC) 5f 24
03 -- Application Expiration Date 12 03 29 (NUMERIC) 57 13 -- Track 2 Equivalent Data 95 78 52 64 12 34 56 78 90
d1 20 36 01 12 34 56 78 90 0f (BINARY) 8c 15 -- Card Risk Management Data Object List 1 (CDOL1) 9f 02 06 --
Amount, Authorised (Numeric) 9f 03 06 -- Amount, Other (Numeric) 9f 1a 02 -- Terminal Country Code 95 05 --
Terminal Verification Results (TVR) 5f 2a 02 -- Transaction Currency Code 9a 03 -- Transaction Date 9c 01 --
Transaction Type 9f 37 04 -- Unpredictable Number 8d 17 -- Card Risk Management Data Object List 2 (CDOL2) 8a
02 -- Authorisation Response Code 9f 02 06 -- Amount, Authorised (Numeric) 9f 03 06 -- Amount, Other (Numeric)
9f 1a 02 -- Terminal Country Code 95 05 -- Terminal Verification Results (TVR) 5f 2a 02 -- Transaction Currency Code
9a 03 -- Transaction Date 9c 01 -- Transaction Type 9f 37 04 -- Unpredictable Number 8e 0a -- Cardholder
Verification Method (CVM) List 00 00 00 00 00 00 00 00 02 00 (BINARY) 9f 0d 05 -- Issuer Action Code - Default b0
40 04 88 00 (BINARY)

[Step 21] Send GET DATA command to find the

Application Transaction Counter (ATC)
80 CA 9F 36 00 response hex : 9f 36 02 01 73 response SW1SW2 : 90 00 response ascii : .6..s response parsed :

9f 36 02 -- Application Transaction Counter (ATC) 01 73 (BINARY)

[Step 22] Send GET DATA command to find the Last

Online ATC Register
80 CA 9F 13 00 response hex : 9f 13 02 01 72 response SW1SW2 : 90 00 response ascii : ....r response parsed :

9f 13 02 -- Last Online Application Transaction Counter (ATC) Register 01 72 (BINARY)

[Step 23] Send GET DATA command to find the PIN Try
Counter
80 CA 9F 17 00 response hex : 9f 17 01 03 response SW1SW2 : 90 00 response ascii : .... response parsed :

9f 17 01 -- Personal Identification Number (PIN) Try Counter 03 (BINARY)

[Step 24] Send GET DATA command to find the Log

Format
80 CA 9F 4F 00 response hex :

response SW1SW2 : 6a 81 response ascii : response parsed :

======================================

[EMVCard]
Answer To Reset (ATR) 3b 67 00 00 a6 40 40 00 09 90 00 Description From Public Database - [Visa card issued by
Norway bank DNBNor, VISA Classic - Landkreditt Bank (Norway), VISA Classic - Nordea Bank (Norway)] ISO
Compliant Answer To Reset (ATR) Convention - DIRECT Protocol - T=0 Historical bytes - a6 40 40 00 09 90 00

Directory Definition File Name: 315041592e5359532e4444463031 (=1PAY.SYS.DDF01) Issuer Code Table Index: 1
(ISO-8859-1) Short File Identifier: 2 (Governed by the EMV specification) Language Preference (in order of
preference): Language: no (Norwegian) Language: en (English)

Applications (2 found):

Application
AID: a1 23 45 67 89 10 10
Label: VISA
Preferred Name: VISA Classic
Application Effective Date: Thu Feb 05 00:00:00 CET 2009
Application Expiration Date: Sat Mar 31 00:00:00 CEST 2012
Application Version Number: 140
Application Currency Code (ISO 4217): 578 (NOK Norwegian Krone)
Application Currency Exponent: 2 (Position of the decimal point from the right)
Issuer Country Code (ISO 3166-1): 578 (Norway)
Application Transaction Counter (ATC): 121
Last Online ATC Register: 103
PIN Try Counter: 3 (Number of PIN tries remaining)
Cardholder Name: SMITH/JOHN
Primary Account Number (PAN) - 5411118888888882
Major Industry Identifier = 5 (Banking and financial)
Issuer Identifier Number: 541111
Account Number: 888888888
Check Digit: 2 (Valid)
PAN Sequence Number: 1
Application Priority Indicator
May be selected without cardholder confirmation
Selection Priority: 2
Application Interchange Profile
Static Data Authentication (SDA) supported
Dynamic Data Authentication (DDA) not supported
Cardholder verification is supported
Terminal risk management is to be performed
Issuer authentication is supported
CDA not supported
Application File Locator
Application Elementary File
Short File Identifier:
1 (Governed by the EMV specification)
Start Record: 1
End Record: 1
Number of Records Involved In Offline Data Authentication: 0
Record: 1
Length: 79
Involved In Offline Data Authentication: false
Application Elementary File
Short File Identifier:
1 (Governed by the EMV specification)
Start Record: 2
End Record: 5
Number of Records Involved In Offline Data Authentication: 1
Record: 2
Length: 82
Involved In Offline Data Authentication: true
Record: 3
Length: 73
Involved In Offline Data Authentication: false
Record: 4
Length: 195
Involved In Offline Data Authentication: false
Record: 5
Length: 150
Involved In Offline Data Authentication: false
Application Usage Control
Valid for domestic cash transactions
Valid for international cash transactions
Valid for domestic goods
Valid for international goods
Valid for domestic services
Valid for international services
Valid at ATMs
Valid at terminals other than ATMs
Domestic cashback not allowed
International cashback not allowed
Processing Options Data Object List
Terminal Country Code (2 bytes)
Transaction Currency Code (2 bytes)
Issuer Public Key Certificate
Issuer Identifier: 492564
CA Public Key Index: 7
Certificate Format: 2
Certificate Expiration Date (MMYY): 1214
Certificate Serial Number: 00e16d (57709)
Hash Algorithm Indicator: 1 (=SHA-1)
Issuer Public Key Algorithm Indicator: 1 (=RSA)
Hash: b6819d8d5af4034214973edbad1bd2866a550dbb
Issuer Public Key
Length: 1152bit
Exponent:
03
Modulus:
ba 53 3e b8 ec c9 f9 b8 b2 a3 5e ed 3b e0 3f 7d
3a cf e2 46 a3 4c 8e 75 f5 c7 4a 64 e6 5c 97 cb
4f 2f ab 97 09 cf 7e 12 89 0e af f1 8a 4f cf b4
fa 98 18 db c3 be 5f dc 65 91 54 46 cb 86 24 ac
2d 1e 07 72 f2 52 49 02 f9 8b a5 5b 4b 4b 11 00
1e 4e cf b7 0f 12 19 a3 97 12 98 e7 ed c5 b9 2b
8d 44 c9 80 e2 f6 8f 90 8f 9d ad 78 5b c8 f7 38
4c 06 dc dc 35 97 51 d1 d4 31 52 0d f5 ff 2d 43
47 4a 88 60 3c 9e fc a0 66 6a 1a 42 bd f0 a4 f5
Card Risk Management Data Object List 1
Amount, Authorised (Numeric) (6 bytes)
Amount, Other (Numeric) (6 bytes)
Terminal Country Code (2 bytes)
Terminal Verification Results (TVR) (5 bytes)
Transaction Currency Code (2 bytes)
Transaction Date (3 bytes)
Transaction Type (1 byte)
Unpredictable Number (4 bytes)
Card Risk Management Data Object List 2
Authorisation Response Code (2 bytes)
Amount, Authorised (Numeric) (6 bytes)
Amount, Other (Numeric) (6 bytes)
Terminal Country Code (2 bytes)
Terminal Verification Results (TVR) (5 bytes)
Transaction Currency Code (2 bytes)
Transaction Date (3 bytes)
Transaction Type (1 byte)
Unpredictable Number (4 bytes)
Signed Static Application Data
Hash Algorithm Indicator: 1 (=SHA-1)
Data Authentication Code: 0123
Hash: 74159900848ab829b9f0318950cdad9351e0bfdf
Cardholder Verification Method (CVM) List:
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If unattended cash
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Plaintext PIN verification performed by ICC
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: If transaction is in the application currency and is under 0.00 value
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: If transaction is in the application currency and is over 0.00 value
Condition Code: Always
Fail cardholder verification if this CVM is unsuccessful
Static Data Authentication Tag List
Application Interchange Profile
Track 1 Discretionary Data:
323439353030303030303030303030313031303030303030 (ASCII: 249500000000000101000000)
Track 2 Equivalent Data:
Primary Account Number (PAN) - 5411118888888882
Major Industry Identifier = 5 (Banking and financial)
Issuer Identifier Number: 541111
Account Number: 888888888
Check Digit: 2 (Valid)
Expiration Date: Wed Feb 29 00:00:00 CET 2012
Service Code: 201
Discretionary Data: 1234567890000
Service Code: 201
Language Preference (in order of preference):
Language: no (Norwegian)
Language: en (English)
Issuer Code Table Index: 1 (ISO-8859-1)
Issuer Action Code - Default:
11110000
00100000
00100100
00101000
00000000
Issuer Action Code - Denial:
00000000
01010000
10000000
00000000
00000000
Issuer Action Code - Online:
11110000
00101000
00111100
11111000
00000000

Application
AID: d5 78 00 00 02 10 10
Label: bankaxept
Preferred Name: bankaxept
Application Expiration Date: Thu Mar 29 00:00:00 CEST 2012
Application Transaction Counter (ATC): 115
Last Online ATC Register: 114
PIN Try Counter: 3 (Number of PIN tries remaining)
Primary Account Number (PAN) - 957852641234567890
Major Industry Identifier = 9 (For assignment by national standards bodies)
Country Code (ISO 3166-1): 578 (=Norway)
Issuer Identifier Number: 957852
Account Number: 64123456789
Check Digit: 0 (Valid)
PAN Sequence Number: 2
Application Priority Indicator
May be selected without cardholder confirmation
Selection Priority: 1
Application Interchange Profile
Static Data Authentication (SDA) not supported
Dynamic Data Authentication (DDA) not supported
Cardholder verification is supported
Terminal risk management is to be performed
Issuer authentication is not supported
CDA not supported
Application File Locator
Application Elementary File
Short File Identifier:
1 (Governed by the EMV specification)
Start Record: 1
End Record: 1
Number of Records Involved In Offline Data Authentication: 0
Record: 1
Length: 112
Involved In Offline Data Authentication: false
Card Risk Management Data Object List 1
Amount, Authorised (Numeric) (6 bytes)
Amount, Other (Numeric) (6 bytes)
Terminal Country Code (2 bytes)
Terminal Verification Results (TVR) (5 bytes)
Transaction Currency Code (2 bytes)
Transaction Date (3 bytes)
Transaction Type (1 byte)
Unpredictable Number (4 bytes)
Card Risk Management Data Object List 2
Authorisation Response Code (2 bytes)
Amount, Authorised (Numeric) (6 bytes)
Amount, Other (Numeric) (6 bytes)
Terminal Country Code (2 bytes)
Terminal Verification Results (TVR) (5 bytes)
Transaction Currency Code (2 bytes)
Transaction Date (3 bytes)
Transaction Type (1 byte)
Unpredictable Number (4 bytes)
Cardholder Verification Method (CVM) List:
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: Always
Fail cardholder verification if this CVM is unsuccessful
Track 2 Equivalent Data:
Primary Account Number (PAN) - 957852641234567890
Major Industry Identifier = 9 (For assignment by national standards bodies)
Country Code (ISO 3166-1): 578 (=Norway)
Issuer Identifier Number: 957852
Account Number: 64123456789
Check Digit: 0 (Valid)
Expiration Date: Wed Feb 29 00:00:00 CET 2012
Service Code: 601
Discretionary Data: 12345678900
Language Preference (in order of preference):
Language: no (Norwegian)
Issuer Code Table Index: 1 (ISO-8859-1)
Issuer Action Code - Default:
10110000
01000000
00000100
10001000
00000000

FINISHED
 

Terminal - Banking Chip Card. How they are talk to each other?
 

Today was a hard day for me, even if it was Sunday...but anyway I want to start a new very interesting topic about
one standard, which is actually playing very important role in a world of Payment application, its name is EMV.

Everyone today has his own banking card, and this is easy way to get the access to your bank account and as a
consequence to your money. Whatever you do, going to buy something, to get some cash or to pay for your
mobile phone, each time you take your card from your wallet and starting from this moment you oblige to follow
some rules in order make a correct payment. To be precisely, it is not you personally, this is your banking card which
should be complained to EMVco standard. Let's imagine you insert your card to the reader of ATM or POS terminal
and from this moment magic is takes a control on your bank account. Interesting, is not it? Let's see what is going
on between your card and ATM or terminal.

First of all, I will give you some useful links about related topics, which I hope will help you to understand the
process of data exchange between smart card and terminal and also helps to read this topic.

ISO 7816 general description.

Global Platform general description and full set of documents which can be downloaded from official web
site.

EMV on wiki and EMVco website where you can find all specifications.

Nice page with EMV tags search engine

ASCII to HEX/HEX to ASCII convertor

Let’s start to see what is going on between card and terminal. I need to say here, first we will speak about contact
interface.About contactless interface I will describe later on.

Part I. EMV transaction via Contact Interface.

When the card inserted in to terminal, it is going to be powered and reset. Card must provide Acknowledge-To-
Reset (ATR) and then will wait for incoming commands.

This is a common part which is not directly related to EMV transaction. More information about ATR you will find
in ISO7816 part 3. So, now let’s have a look from EMV standard point of view.

The next step is to choose and select target application. Depending on what type of card you have (Visa,
MasterCard, etc...), different payment schemes will apply during EMV transaction. 

There are two approaches can be used to determine which application is going to be used:

1. Terminal use PSE (Payment System Environment), if the one is exists on card.
2. Terminal build a list of candidates based on list of application stored in terminal.

Approach 1:  Using PSE

PSE is Payment System Environment which contains, roughly speaking language preference, list of applications and
their priority in which they must be executed. It is not mandatory for all cards to support PSE.

Terminal select PSE using SELECT command with filename 1PAY.SYS.DDF01. If there is no PSE, card should return
“6A82”, which means “file not found”. If card returns “9000”, terminal proceeds to the next step by processing
response from card. The response on the SELECT command for PSE contains FCI data object, which should looks
according EMV Book 1 like:

Tag Value Presence

6F FCI Template M

84 DF Name M
 
A5 FCI Proprietary Template M

88 SFI of the Directory Elementary File M

5F2D Language Preference O

 
9F11 Issuer Code Table Index O

BF0C FCI Issuer Discretionary Data O

1 or more additional proprietary data

XXXX -Tag elements from an application provider,
  according EMV issuer, or IC card supplier, or EMV- O
Book3, Annex B defined tags that are specifically
allocated to 'BF0C'

Response on SELECT command for PSE

 So now terminal knows the SFI of payment system directory to read. By sendin

LinkedIn

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implementation. Scenario 001 ...

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