Differences between VSDC Applets 2.7.1 and 2.8.

1
May 1, 2011

1 Introduction
This document is an overview of the changes from the VSDC Applet 2.7.1 version to the 2.8.1 version for Visa Integrated Circuit Card
Specification (VIS) and Visa Contactless Payment Specification (VCPS). The 2.8.1 Applet is largely the same VIS 1.5.1 and VCPS
2.1.1 functionality as the 2.8 release candidate, however performance has been optimized. Details of the changes are found in the
Release Notes (Readme file) and the VSDC Technical Guide to Visa’s Applets for GlobalPlatform Cards. Support for multi-access,
which is defined in a separate specification, is included. There is coding in the applet that is required to support this functionality.
Section 4 contains tables with changes to the data elements for VIS and VCPS.

2 VIS Functionality
The following new VIS functionality is supported in the VSDC 2.8.1 Applet
• Initialize ATC to non-zero value
• Multiple Currency Support (replacing Dual Currency)
• CVN 18
• New Issuer Authentication Data Format with CSU (using CVN 18)
• Processing of new CSU with simplified scripting, counter controls
• Issuer Authentication using 2nd GEN AC
• Support Issuer Script updates to more data elements
• Issuer Script Handling enhancements
- count all successful script commands whether executed before or after final GEN AC
- option to support new cyclic issuer script counter
• Support for Longer RSA Key Lengths
• Enable / Disable Contactless Functionality post issuance
• VLP Available Funds (contactless data element) can only be reset by successful offline PIN entry on an offline contact chip
transaction if the following conditions are met:
- the transaction is approved
- at least one successful online transaction has taken place (not a new card)

© 2011 Visa Inc. All Rights Reserved Visa Confidential Version 1.0
 Differences between VSDC Applets 2.7.1 and 2.8.1

• Change calculation of Consecutive Offline Transactions Counter (no longer calculated from ATC and Last Online ATC)
• Issuer option to exclude declines from Consecutive Transaction Counters
• Restrict cryptographic commands to once per transaction
• Restrict data by interface (contactless only, contact only) – some data is shared
• Support for Refund transactions by declining refund transactions to prevent decrementing of offline counters
• Support for Balance Inquiry transactions by preventing decrementing of offline counters
• Check Contactless Offline spend during contact chip transactions.

The following functionality supported in VIS 1.5.1 or supported in the VSDC 2.7.1 Applet is not supported in the 2.8.1 Applet
• No CPLC data is supported in the applet regardless of support in VIS 1.5.1
• Visa Low-value Payment (note that VLP data elements and tags are used in contactless processing)
• Transaction Logging
• Setting the PIN Try Counter to value other than the PIN Try Limit
• CDA (SDA and DDA are supported)
• DDFs other than the PSE and PPSE are no longer supported in EMV and VIS
• Geographic Restrictions Check (replaced in VIS with enhanced version using profiles, but profiles are not supported)
• Dual Currency (replaced with Multi Currency)
• Proprietary personalization is no longer supported
• Support for profiles
• Support for functions supported using profiles
- Geographic Restrictions
- Dormant PIN
- Account Selection

Visa Confidential Page 2

 Differences between VSDC Applets 2.7.1 and 2.8.1

3 VCPS Functionality
The following new VCPS functionality is supported in the 2.8.1 Applet
• CVN 18 support for qVSDC (note that CSU and the new Issuer Authentication format is not supported because Issuer Update
Processing including Issuer Authentication is not supported
• Streamlined qVSDC
- Option to support online PIN
- Option to support return of record data
• Initialize ATC to non-zero value
• Restrict Cryptographic Commands to once per transaction.
• Restrict data by interface (contactless only, contact only) – some data is shared
• Restrict commands by interface
• Added option for Offline PIN as a CVM (this is not a contactless CVM, but adding it to the CVM hierarchy allows an issuer to
request a contact chip transaction)
• Support for Form Factor Indictor (FFI) and Customer Exclusive Data (CED)
• Support for cash and cashback
• Support for Refund transactions by declining refund transactions to prevent decrementing of offline counters
• Support for larger ICC key sizes
• Support for CID
• Support velocity checks for online transactions (to force to contact when card is online only)
• ODA for online transactions (SDA/DDA for Transit)
• New qVSDC Transaction Counter counts offline qVSDC transactions, but can be configured to count online transactions as well.
• Added issuer option to configure domestic transactions based on both currency and country. (previously based on currency only)
• Contactless Consecutive Transaction Counter can be configured to count all qVSDC transactions
• Limit card recognition of special transactions to the Refund transaction
• Multi-Currency Support
• Enable/Disable Contactless Functionality pre and post issuance using the contact chip interface
• Consecutive Transaction International Upper Limit
• Added issuer option to request online when the application is expired
• There is a new format option for the MAC on Issuer Discretionary Data (IDD)

Visa Confidential Page 3

 Differences between VSDC Applets 2.7.1 and 2.8.1

The following functionality supported in VCPS 2.1.1 or supported in the VSDC 2.7.1 Applet is not supported in the 2.8.1 Applet
• Issuer Update Processing
• A new Issuer Discretionary Data Option has been added (option ‘06’)
• CSU in new Issuer Authentication Data Format (because Issuer Update Processing is not supported)
• Transaction Logging
• Remove Low Value or CTTA Option
• Streamlined Offline
• fDDA v00
• Contactless VSDC
• Existing VCPS Prepaid Functionality
• Card functionality that forces zero amount online.
• New Card Check
• CVM Required for non-matching currency

Visa Confidential Page 4

 Differences between VSDC Applets 2.7.1 and 2.8.1

4 Data Element Changes: VIS 1.4.1 to VIS 1.5.1 and VCPS 2.0.2 A&C 3 to VCPS 2.1.1
This section lists the data elements in VIS 1.5.1 and VCPS 2.1.1 that were added, had new tags assigned, length changed or format
changed since the previous version of VIS and VCPS. It also lists data elements that were in the previous version of the specification that
have been deleted in the new version. For changes in bit assignments within the data elements, and descriptions of functional changes,
please see the actual VIS and VCPS specifications.
Please note that data element tags in VIS 1.4.1 that are not listed in this document continue to be valid in VIS 1.5.1, and if new tags are
listed in this table for the same data element, the new tags are in addition to the already-existing tags (which would not be listed in this
document if there is no other change to the data element). For example, CTTA Limit continues to have tag '9F54', but now also has tag
'DF21' in 'BF58'.

4.1 VIS Data Element Changes

NAME CHANGES ONLY

Template Tag New Name Old Name
9F53 Consecutive Transaction Counter International Limit (CTCIL) Consecutive Transaction Limit International
9F58 Consecutive Transaction Counter Limit (CTCL) Lower Consecutive Offline Limit (Card Check)
9F59 Consecutive Transaction Counter Upper Limit (CTCUL) Upper Consecutive Offline Limit (Card Check)
9F72 Consecutive Transaction Counter International Country Limit (CTCICL) Consecutive Transaction Limit International Country

DELETED DATA ELEMENTS

Template Tag Name Comments

9F55 Geographic Indicator NOTE: the Geographic Restrictions Check functionality
was removed
9F5A Issuer URL 2
9F74 VLP Issuer Authorization Code NOTE: the contact VLP functionality was removed
9F75 Cumulative Total Transaction Amount Limit—Dual Currency NOTE: the secondary currency functionality was
merged into the CTTA functionality
9F76 Secondary Application Currency Code NOTE: the secondary currency functionality was
merged into the CTTA functionality and the currency
code is now part of Currency Conversion Parameters.

Visa Confidential Page 5

 Differences between VSDC Applets 2.7.1 and 2.8.1

DELETED DATA ELEMENTS

Template Tag Name Comments

9F7A VLP Terminal Support Indicator Terminal data
NOTE: the contact VLP functionality was removed

9F7B VLP Terminal Transaction Limit Terminal data

NOTE: the contact VLP functionality was removed
9F7F Card Production Life Cycle (CPLC) Data NOTE: this data element and the sub elements within it
are deleted from the application specification, but this
data element may still be present at the CARD level for
GP cards so you may want to keep the personalization
validation.

CHANGED/ADDED FORMAT, LENGTH, TAG; NEW DATA ELEMENT

Template Tag Name Comments

9F73 Currency Conversion Parameters Currency Conversion Factor
NOTE: format and length changed. New data element
contains multiple of what used to be the Currency
Conversion Factor as well as multiple Conversion
Currency Codes
BF55 Contactless Counters Template
BF55 DF11 Contactless Transaction Counter (CLTC)
BF55 DF21 Contactless Transaction Counter Lower Limit (CLTCLL)
BF55 DF31 Contactless Transaction Counter Upper Limit (CLTCUL)
BF55 DF41 VLP Single Transaction Limit If personalizing multiple CLTC, CLTCLL, CLTCUL, or
VLP Reset Threshold - recommend using this tag. The
primitive tag 9F78 can still be used, but BF55 DF41 is
preferred so that eventually this primitive tag can be
reclaimed for other uses.
BF55 DF51 VLP Available Funds If personalizing multiple CLTC, CLTCLL, CLTCUL, or
VLP Reset Threshold - recommend using this tag. The
primitive tag 9F79 can still be used, but BF55 DF51 is
preferred so that eventually this primitive tag can be
reclaimed for other uses.
BF55 DF61 VLP Reset Threshold

Visa Confidential Page 6

 Differences between VSDC Applets 2.7.1 and 2.8.1

CHANGED/ADDED FORMAT, LENGTH, TAG; NEW DATA ELEMENT

Template Tag Name Comments

BF55 DF71 VLP Funds Limit If personalizing multiple CLTC, CLTCLL, CLTCUL, or
VLP Reset Threshold - recommend using this tag. The
primitive tag 9F77 can still be used, but BF55 DF71 is
preferred so that eventually this primitive tag can be
reclaimed for other uses.
BF56 Counters Data Template
BF56 DF11 Consecutive Transaction Counter (CTC) NOTE: if not using profiles functionality
BF56 DF21 Consecutive Transaction Counter Limit (CTCL) NOTE: if not using profiles functionality
BF56 DF31 Consecutive Transaction Counter Upper Limit (CTCUL) NOTE: if not using profiles functionality
BF56 DF1X Consecutive Transaction Counter x (CTC x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF56 DF2X Consecutive Transaction Counter Limit x (CTCL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x

BF56 DF3X Consecutive Transaction Counter Upper Limit x (CTCUL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF57 International Counters Data Template
BF57 DF11 Consecutive Transaction Counter International (CTCI) Consecutive Transaction Counter (International)
NOTE: if not using profiles functionality
BF57 DF21 Consecutive Transaction Counter International Limit (CTCIL) NOTE: if not using profiles functionality
BF57 DF31 Consecutive Transaction International Upper Limit (CTIUL) NOTE: if not using profiles functionality
BF57 DF51 Consecutive Transaction Counter International Country (CTCIC) Consecutive Transaction Counter (International–
Country)
NOTE: if not using profiles functionality
BF57 DF61 Consecutive Transaction Counter International Country Limit (CTCICL) NOTE: if not using profiles functionality
BF57 DF1X Consecutive Transaction Counter International x (CTCI x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF57 DF2X Consecutive Transaction Counter International Limit x (CTCIL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF57 DF3X Consecutive Transaction International Upper Limit x (CTIUL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF57 DF5X Consecutive Transaction Counter International Country x (CTCIC x) NOTE: if using profiles functionality, there may be

Visa Confidential Page 7

 Differences between VSDC Applets 2.7.1 and 2.8.1

CHANGED/ADDED FORMAT, LENGTH, TAG; NEW DATA ELEMENT

Template Tag Name Comments

multiples of this with different values of x
BF57 DF6X Consecutive Transaction Counter International Country Limit x NOTE: if using profiles functionality, there may be
(CTCICL x) multiples of this with different values of x
BF58 Amounts Data Template
BF58 DF11 Cumulative Total Transaction Amount (CTTA) NOTE: if not using profiles functionality
BF58 DF21 Cumulative Total Transaction Amount Limit (CTTAL) NOTE: if not using profiles functionality
BF58 DF31 Cumulative Total Transaction Amount Upper Limit (CTTAUL) NOTE: if not using profiles functionality
BF58 DF1X Cumulative Total Transaction Amount x (CTTA x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF58 DF2X Cumulative Total Transaction Amount Limit x (CTTAL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF58 DF3X Cumulative Total Transaction Amount Upper Limit x (CTTAUL x) NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF59 Profile Controls Template NOTE: if using profiles functionality
BF59 DF1X Profile Control x NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF5A AIP/AFL Entries Template NOTE: if using profiles functionality
BF5A DF1X AIP/AFL Entry x NOTE: if using profiles functionality, there may be
multiples of this with different values of x
BF5B Application Internal Data Template
BF5B DF01 Application Capabilities NOTE: if supported for contactless
BF5B DF02 Profile Selection File Entry NOTE: if using profiles functionality

4.2 VCPS Data Element Changes

NAME CHANGES ONLY

Template Tag New Name Old Name
9F53 Consecutive Transaction Counter International Limit (CTCIL) Consecutive Transaction Limit International

Visa Confidential Page 8

 Differences between VSDC Applets 2.7.1 and 2.8.1

CHANGED/ADDED FORMAT, LENGTH, TAG; NEW DATA ELEMENT

Template Tag Name Comments
5F28 Issuer Country Code
71 Issuer Script Template 1
72 Issuer Script Template 2
89 Authorization Code
8A Authorization Response Code
91 Issuer Authentication Data
93 Signed Static Application Data
9F07 Application Usage Control
9F18 Issuer Script Identifier
9F27 Cryptogram Information Data
9F4A Static Data Authentication Tag List
9F4E Merchant Name and Location
9F57 Issuer Country Code
9F52 Application Default Action (ADA)
9F58 Consecutive Transaction Counter Limit (CTCL)
9F59 Consecutive Transaction Counter Upper Limit (CTCUL)
9F5A Application Program Identifier (Program ID)
9F5B Issuer Script Results
9F5E Consecutive Transaction International Upper Limit (CTIUL)
9F5D Available Offline Spending Amount (AOSA)
9F66 Terminal Transaction Qualifiers (TTQ)
9F68 Card Additional Processes (CAP)
9F69 Card Authentication Related Data
9F6C Card Transaction Qualifiers (CTQ)
9F6E Form Factor Indicator (FFI)
9F73 Currency Conversion Parameters
BF55 Contactless Counters Data Template
BF55 DF11 Contactless Transaction Counter (CLTC)
BF55 DF21 Contactless Transaction Counter Lower Limit (CLTCLL)

Visa Confidential Page 9

 Differences between VSDC Applets 2.7.1 and 2.8.1

CHANGED/ADDED FORMAT, LENGTH, TAG; NEW DATA ELEMENT

Template Tag Name Comments
BF55 DF31 Contactless Transaction Counter Upper Limit (CLTCUL)
BF55 DF41 VLP Single Transaction Limit
BF55 DF51 VLP Available Funds
BF55 DF61 VLP Reset Threshold
BF55 DF71 VLP Funds Limit
BF56 Counters Data Template
BF56 DF11 Consecutive Transaction Counter (CTC)
BF57 International Counters Data Template
BF57 DF11 Consecutive Transaction Counter International (CTCI)
BF57 DF21 Consecutive Transaction Counter International Limit (CTCIL)
BF57 DF31 Consecutive Transaction International Upper Limit (CTIUL)
BF5B Application Internal Data Template
BF5B DF01 Application Capabilities

Visa Confidential Page 10