Scribd Logo
Upload

Welcome to Scribd!

  • 3K views

    EMV Transaction Result Analysis

    Uploaded by

    m_ramesh31
    The document provides suggestions for analyzing EMV transactions, including checking for mandatory and optional tags, referring to EMVCo specifications, and looking for specific tags and behaviors that indicate details like whether a transaction was approved online or offline, whether it involved chip reversal or cardholder verification methods. It also notes additional tags and fields to check for scenarios like fallback to magstripe, issuer scripts, and issuer script results.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    EMV Transaction Result Analysis

    Uploaded by

    m_ramesh31
    3K views3 pages
    The document provides suggestions for analyzing EMV transactions, including checking for mandatory and optional tags, referring to EMVCo specifications, and looking for specific tags and behaviors that indicate details like whether a transaction was approved online or offline, whether it involved chip reversal or cardholder verification methods. It also notes additional tags and fields to check for scenarios like fallback to magstripe, issuer scripts, and issuer script results.

    Original Description:

    A few pointers on the type of EMV data to analyze during an EMV brand certification run

    Copyright

    © © All Rights Reserved

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    The document provides suggestions for analyzing EMV transactions, including checking for mandatory and optional tags, referring to EMVCo specifications, and looking for specific tags and behaviors that indicate details like whether a transaction was approved online or offline, whether it involved chip reversal or cardholder verification methods. It also notes additional tags and fields to check for scenarios like fallback to magstripe, issuer scripts, and issuer script results.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    3K views3 pages

    EMV Transaction Result Analysis

    Uploaded by

    m_ramesh31
    The document provides suggestions for analyzing EMV transactions, including checking for mandatory and optional tags, referring to EMVCo specifications, and looking for specific tags and behaviors that indicate details like whether a transaction was approved online or offline, whether it involved chip reversal or cardholder verification methods. It also notes additional tags and fields to check for scenarios like fallback to magstripe, issuer scripts, and issuer script results.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 3

    Some suggestions for analyzing EMV transactions and results

     Check Mandatory Tags are present in the Transaction request as suggested by the Host
    specification (Vantiv/FirstData…etc). Please thoroughly refer to the specific EMV sections in
    these documents as the information is scattered across and you will need to collate it.

     Check Optional Tags are present in the Transaction request as suggested by the Host
    specification (Vantiv/FirstData…etc). You may have to refer to Local Journal for cross
    verification. Please thoroughly refer to the specific EMV sections in these documents as the
    information is scattered across and you will need to collate it.

     Always, Refer to EMVCo Book 3 and Book 4 for any more/additional information.

    Transactions/Conditions EMV Tags and other Additional Comments


    behaviors to Look / Check / FYI
    Transaction is Sent for Online Authorization Value of 9F27 = 80 (ARQC) The Chip and POS
    OR Check that 9F26 exists have MUTUALLY
    Online (Authorization) Request (Application Cryptogram) decided to go to the
    Host (issuer) to decide
    9F27 is called Cryptogram the outcome of the
    Information Data (CID) transaction.

    This is sometimes
    referred to as Online
    Mutual
    Authentication.
    Transaction is Declined ONLINE by HOST Value of 9F27 = 00 (AAC) 8A (Authorization
    Value of 8A is not “00” Response Code) is
    (3030) sent back in the Host
    response
    Transaction is Offline Approved Value of 9F27 = 40 (TC) The transaction has
    OR been locally approved
    Offline Approval/Authorization Value of 8A = Y1 (or Y3, if between the POS and
    terminal is unable to go the Chip card (without
    online) ever going to the
    host…)
    Transaction is Approved ONLINE by HOST Value of 9F27 = 00 The POS and Chip
    Value of 8A = “00” (3030) have decided to go to
    the host (issuer) to
    decide the outcome.
    The host has
    approved the
    transaction. 8A
    (Authorization
    Response Code) is
    sent back in the Host
    response
    Transaction is Offline Declined Value of 9F27 = 00 The transaction has
    OR been locally declined
    Offline Declined Value of 8A = Z1 (or Z3, if between the POS and
    terminal is unable to go the Chip card (without
    online) ever going to the
    host…).
    No meaning to go to
    host for its decision.

    Cardholder Verification Methods (CVMs) 1) Check and Interpret TVR Refer EMVco Books 3
    Bytes/Bits and 4 for
    >Offline PIN 2) Check and Interpret for interpretation.
    >Online PIN 9F34 CVM Results
    >Signature 3) Online PINs contain PIN
    BLOCK/PIN DATA in Request
    4) Offline PINs do not have
    such data in Request

    Fallback Scenario Chip transaction fails and It is good to Check for


    you are prompted to Swipe (POS) Entry Mode
    the card field to indicate that
    Magstripe was used as
    the Entry mode (check
    for the exact values
    of EMs with the team)
    Chip Reversal 9F27=00 (AAC/Decline, most Chip will REVERSE the
    common scenario of Chip outcome of the
    reversal) Transaction. For
    example, if Host says
    9F27 = 40 (TC/Approval, approved, Chip will
    technically possible, rarely reverse it and say it
    happens) declines (and vice
    versa).

    Usually a Chip reversal


    means a DECLINE
    (9F27 = 00) by the
    Chip
    Issuer Scripts 71, 72 Issuer Scripts are sent
    by the Host to the POS
    in the Response
    message. These are
    optionally sent and
    may not be present
    for all transactions
    (which is the most
    usual scenario).

    These are sent for


    example, to block a
    card, to unblock a PIN,
    to unblock an
    application etc.
    Issuer Script Results (ISRs) 9F5B - Refer to Host spec This EMV tag captures
    document for this tag. the Results or the
    outcome of the Issuer
    scripts that were
    executed.

    You might also like