Example of an Interac Flash EMV transaction

When working on EMV transactions, it’s always interesting to have some APDU examples and dialog sequences. Below is an example of a successful EMV transaction (an Interac Flash purchase). Don’t bother trying to use the card info, it is dummy test info ūüôā PCD identifies the terminal commands, PICC the InteracFlash card responses :

PCD     Select File
            CLA: 00
            INS: A4
            P1: 04
            P2: 00
            Lc: 0E
            Data: 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 // Select PPSE (2PAY.SYS.DDF01)
            Le: 00
PICC    Successful
            Data (46 bytes)
                Tag 6F:FCI Template
                Length:2C
                Value :84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 
                       A5 1A BF 0C 17 61 15 4F 07 A0 00 00 02 77 10 10
                       87 01 01 50 07 49 4E 54 45 52 41 43
                    Tag 84:Dedicated File (DF) Name
                    Length:0E
                    Value :32 50 41 59 2E 53 59 53 2E 44 44 46 30 31
                    Tag A5:FCI Proprietary Template
                    Length:1A
                    Value :BF 0C 17 61 15 4F 07 A0 00 00 02 77 10 10 87 01
                           01 50 07 49 4E 54 45 52 41 43
                        Tag BF0C:FCI Discretionary Data
                        Length:17
                        Value :61 15 4F 07 A0 00 00 02 77 10 10 87 01 01 50 07
                               49 4E 54 45 52 41 43
                            Tag 61:Application Template
                            Length:15
                            Value :4F 07 A0 00 00 02 77 10 10 87 01 01 50 07 49 4E
                                   54 45 52 41 43
                                Tag 4F:Application Identifier
                                Length:07
                                Value :A0 00 00 02 77 10 10
                                Tag 87:Application Priority Indicator
                                Length:01
                                Value :01
                                Tag 50:Application Label
                                Length:07
                                Value :49 4E 54 45 52 41 43
                                ASCII Value:INTERAC
                SW1 SW2: 90 00
PCD     Select File
            CLA: 00
            INS: A4
            P1: 04
            P2: 00
            Lc: 07
            Data: A0 00 00 02 77 10 10
            Le: 00
PICC    Successful
            Data (62 bytes)
                Tag 6F:FCI Template
                Length:3C
                Value :84 07 A0 00 00 02 77 10 10 A5 31 50 07 49 4E 54
                       45 52 41 43 87 01 01 9F 38 15 9F 59 03 9F 5A 01
                       9F 02 06 9F 1A 02 5F 2A 02 9F 37 04 9F 58 01 5F
                       2D 02 65 6E BF 0C 05 9F 4D 02 0B 14
                    Tag 84:Dedicated File (DF) Name
                    Length:07
                    Value :A0 00 00 02 77 10 10
                    Tag A5:FCI Proprietary Template
                    Length:31
                    Value :50 07 49 4E 54 45 52 41 43 87 01 01 9F 38 15 9F
                           59 03 9F 5A 01 9F 02 06 9F 1A 02 5F 2A 02 9F 37
                           04 9F 58 01 5F 2D 02 65 6E BF 0C 05 9F 4D 02 0B
                           14
                        Tag 50:Application Label
                        Length:07
                        Value :49 4E 54 45 52 41 43
                        ASCII Value:INTERAC
                        Tag 87:Application Priority Indicator
                        Length:01
                        Value :01
                        Tag 9F38:Processing Options Data Object List (PDOL)
                        Length:15
                        Value :9F 59 03 9F 5A 01 9F 02 06 9F 1A 02 5F 2A 02 9F
                               37 04 9F 58 01
                            Tag 9F59:Terminal Transaction Information
                            Length:03
                            Tag 9F5A:Terminal transaction Type
                            Length:01
                            Tag 9F02:Amount, Authorized (Numeric)
                            Length:06
                            Tag 9F1A:Terminal Country Code
                            Length:02
                            Tag 5F2A:Transaction Currency Code
                            Length:02
                            Tag 9F37:Unpredictable Number
                            Length:04
                            Tag 9F58:Merchant Type Indicator
                            Length:01
                        Tag 5F2D:Language Preference
                        Length:02
                        Value :65 6E
                        ASCII Value:en
                        Tag BF0C:FCI Discretionary Data
                        Length:05
                        Value :9F 4D 02 0B 14
                            Tag 9F4D:Log Entry
                            Length:02
                            Value :0B 14
                SW1 SW2: 90 00
PCD     Get Processing Options
            CLA: 80
            INS: A8
            P1: 00
            P2: 00
            Lc: 15
            Data: 83 13 C0 80 00 00 00 00 00 00 10 00 01 24 01 24
                  82 3D DE 7A 01
            Le: 00
PICC    Successful
            Data (23 bytes)
                Tag 77:Response Message Template Format 2
                Length:15
                Value :82 02 18 00 94 08 08 01 01 00 10 01 02 00 9F 63
                       04 00 10 00 00
                    Tag 82:Application Interchange Profile
                    Length:02
                    Value :18 00
                    Tag 94:Application File Locator (AFL)
                    Length:08
                    Value :08 01 01 00 10 01 02 00
                    Tag 9F63:Card Transaction Information
                    Length:04
                    Value :00 10 00 00
                SW1 SW2: 90 00
PCD     Read Record
            CLA: 00
            INS: B2
            P1: 01
            P2: 0C
            Le: 00
PICC    Successful
            Data (52 bytes)
                Tag 70:Application Elementary File (AEF) Data Template
                Length:32
                Value :5F 20 1A 49 4E 54 45 52 41 43 2F 20 20 20 20 20
                       20 20 20 20 20 20 20 20 20 20 20 20 20 57 13 45
                       19 03 90 00 00 99 89 D1 91 22 20 06 00 00 00 00
                       00 1F
                    Tag 5F20:Cardholder Name
                    Length:1A
                    Value :49 4E 54 45 52 41 43 2F 20 20 20 20 20 20 20 20
                           20 20 20 20 20 20 20 20 20 20
                    ASCII Value:INTERAC/
                    Tag 57:Track 2 Equivalent Data
                    Length:13
                    Value :12 34 56 78 90 12 34 56 D1 91 22 20 06 00 00 00
                           00 00 1F
                SW1 SW2: 90 00
PCD     Read Record
            CLA: 00
            INS: B2
            P1: 01
            P2: 14
            Le: 00
PICC    Successful
            Data (52 bytes)
                Tag 70:Application Elementary File (AEF) Data Template
                Length:32
                Value :9F 42 02 01 24 9F 44 01 02 5F 25 03 13 01 01 5F
                       24 03 19 12 31 5F 34 01 01 9F 08 02 00 02 5F 28
                       02 01 24 5A 08 45 19 03 90 00 00 99 89 5F 30 02
                       02 20
                    Tag 9F42:Application Currency Code
                    Length:02
                    Value :01 24
                    Tag 9F44:Application Currency Exponent
                    Length:01
                    Value :02
                    Tag 5F25:Application Effective Date
                    Length:03
                    Value :13 01 01
                    Tag 5F24:Application Expiration Date
                    Length:03
                    Value :19 12 31
                    Tag 5F34:Application PAN Sequence Number
                    Length:01
                    Value :01
                    Tag 9F08:Application Version Number
                    Length:02
                    Value :00 02
                    Tag 5F28:Issuer Country Code
                    Length:02
                    Value :01 24
                    Tag 5A:Application Primary Account Number (PAN)
                    Length:08
                    Value :45 19 03 90 00 00 99 89
                    Tag 5F30:Service Code
                    Length:02
                    Value :02 20
                SW1 SW2: 90 00
PCD     Read Record
            CLA: 00
            INS: B2
            P1: 02
            P2: 14
            Le: 00
PICC    Successful
            Data (77 bytes)
                Tag 70:Application Elementary File (AEF) Data Template
                Length:4B
                Value :9F 07 02 AB 00 8C 1E 9F 02 06 9F 03 06 9F 1A 02
                       95 05 5F 2A 02 9A 03 9C 01 9F 37 04 9F 45 02 9F
                       4C 08 9F 34 03 8E 0C 00 00 00 00 00 00 00 00 42
                       00 1F 00 9F 0E 05 00 00 00 00 00 9F 0F 05 FC F8
                       FC F8 00 9F 0D 05 FC F8 FC 88 40
                    Tag 9F07:Application Usage Control
                    Length:02
                    Value :AB 00
                    Tag 8C:Card Risk Management Data 1 (CDOL1)
                    Length:1E
                    Value :9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03
                           9C 01 9F 37 04 9F 45 02 9F 4C 08 9F 34 03
                        Tag 9F02:Amount, Authorized (Numeric)
                        Length:06
                        Tag 9F03:Amount, Other (Numeric)
                        Length:06
                        Tag 9F1A:Terminal Country Code
                        Length:02
                        Tag 95:Terminal Verification Results
                        Length:05
                        Tag 5F2A:Transaction Currency Code
                        Length:02
                        Tag 9A:Transaction Date
                        Length:03
                        Tag 9C:Transaction Type
                        Length:01
                        Tag 9F37:Unpredictable Number
                        Length:04
                        Tag 9F45:Data Authentication Code
                        Length:02
                        Tag 9F4C:ICC Dynamic Number
                        Length:08
                        Tag 9F34:Cardholder Verification Method (CVM) Results
                        Length:03
                    Tag 8E:Cardholder Verification Method (CVM) List
                    Length:0C
                    Value :00 00 00 00 00 00 00 00 42 00 1F 00
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 00:RFU
                        condition = 00:Always
                        code = 42:Apply succeeding CVM Rule if this CVM is unsuccessful, Enciphered PIN verification online
                        condition = 00:Always
                        code = 1F:Fail cardholder verification if this CVM is unsuccessful, No CVM required
                        condition = 00:Always
                    Tag 9F0E:Issuer Action Code - Denial
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F0F:Issuer Action Code - Online
                    Length:05
                    Value :FC F8 FC F8 00
                    Tag 9F0D:Issuer Action Code - Default
                    Length:05
                    Value :FC F8 FC 88 40
                SW1 SW2: 90 00
PCD     Generate Application Cryptogram
            CLA: 80
            INS: AE
            P1: 80
            P2: 00
            Lc: 2A
            Data: 00 00 00 00 10 00 00 00 00 00 00 00 01 24 80 00
                  00 80 00 01 24 14 03 20 00 82 3D DE 7A 00 00 00
                  00 00 00 00 00 00 00 3F 00 02
            Le: 00
PICC    Successful
            Data (47 bytes)
                Tag 77:Response Message Template Format 2
                Length:2D
                Value :9F 27 01 80 9F 36 02 00 39 9F 10 16 15 02 85 04
                       40 F8 00 61 00 00 B0 10 00 00 C0 80 00 00 01 00
                       00 00 9F 26 08 C5 B5 54 2C F6 1D A4 06
                    Tag 9F27:Cryptogram Information Data (CID)
                    Length:01
                    Value :80
                    Tag 9F36:Application Transaction Counter (ATC)
                    Length:02
                    Value :00 39
                    Tag 9F10:Issuer Application Data
                    Length:16
                    Value :15 02 85 04 40 F8 00 61 00 00 B0 10 00 00 C0 80
                           00 00 01 00 00 00
                    Tag 9F26:Application Cryptogram (AC)
                    Length:08
                    Value :C5 B5 54 2C F6 1D A4 06
                SW1 SW2: 90 00

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