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
Does the EMV card contains track 1,2 and 3 data as the magnetic swipe?
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.
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.