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 🙂 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

3 thoughts on “Example of an Interac Flash EMV transaction

  1. Tim

    Hi, what app did you use to read this card? I need to get a PAN out of a Visa and can’t quite work out the approach.

    Reply
  2. Dhanushi

    Iám new to EMV Transactions. I want to only read the card data. I could get all card data which are want to backend except Cardholder Verification Method (9F34). I don’t understand how to get it. Please help me.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *