Exemple d’une transaction sans contact MasterCard PayPass

Pour comprendre les mécanismes EMV, il est toujours intéressant d’avoir des exemples d’APDU et de dialogues. Ci-dessous, un exemple d’une transaction EMV sans contact réussie (achat sans-contact MasterCard PayPass). Inutile de récupérer les infos de la carte, c’est une carte de test invalide dans le monde réel 🙂 PCD identifie les commandes du terminal, PICC les réponses de la carte MasterCard :

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 (37 bytes)
                Tag 6F:FCI Template
                Length:23
                Value :84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 
                       A5 11 BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 10 10 
                       87 01 01
                    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:11
                    Value :BF 0C 0E 61 0C 4F 07 A0 00 00 00 04 10 10 87 01 
                           01
                        Tag BF0C:FCI Discretionary Data
                        Length:0E
                        Value :61 0C 4F 07 A0 00 00 00 04 10 10 87 01 01
                            Tag 61:Application Template
                            Length:0C
                            Value :4F 07 A0 00 00 00 04 10 10 87 01 01
                                Tag 4F:Application Identifier
                                Length:07
                                Value :A0 00 00 00 04 10 10
                                Tag 87:Application Priority Indicator
                                Length:01
                                Value :01
                SW1 SW2: 90 00
PCD     Select File
               CLA: 00
               INS: A4
               P1: 04
               P2: 00
               Lc: 07
               Data: A0 00 00 00 04 10 10
               Le: 00
PICC    Successful
            Data (76 bytes)
                Tag 6F:FCI Template
                Length:4A
                Value :84 07 A0 00 00 00 04 10 10 A5 3F 50 0F 50 50 43 
                       20 4D 43 44 20 30 32 20 76 32 20 32 9F 38 03 9F 
                       1D 08 BF 0C 25 5F 50 22 46 69 6D 65 20 5C 2A 2F 
                       20 53 38 20 50 50 43 20 4D 43 44 20 30 32 20 76 
                       32 20 32 20 5C 2A 2F 20 76 31
                    Tag 84:Dedicated File (DF) Name
                    Length:07
                    Value :A0 00 00 00 04 10 10
                    Tag A5:FCI Proprietary Template
                    Length:3F
                    Value :50 0F 50 50 43 20 4D 43 44 20 30 32 20 76 32 20 
                           32 9F 38 03 9F 1D 08 BF 0C 25 5F 50 22 46 69 6D 
                           65 20 5C 2A 2F 20 53 38 20 50 50 43 20 4D 43 44 
                           20 30 32 20 76 32 20 32 20 5C 2A 2F 20 76 31
                        Tag 50:Application Label
                        Length:0F
                        Value :50 50 43 20 4D 43 44 20 30 32 20 76 32 20 32
                        ASCII Value:PPC MCD 02 v2 2
                        Tag 9F38:Processing Options Data Object List (PDOL)
                        Length:03
                        Value :9F 1D 08
                            Tag 9F1D:Terminal Risk Management Data
                            Length:08
                        Tag BF0C:FCI Discretionary Data
                        Length:25
                        Value :5F 50 22 46 69 6D 65 20 5C 2A 2F 20 53 38 20 50 
                               50 43 20 4D 43 44 20 30 32 20 76 32 20 32 20 5C 
                               2A 2F 20 76 31
                            Tag 5F50:Issuer URL
                            Length:22
                            Value :46 69 6D 65 20 5C 2A 2F 20 53 38 20 50 50 43 20
                                   4D 43 44 20 30 32 20 76 32 20 32 20 5C 2A 2F 20
                                   76 31
                SW1 SW2: 90 00
PCD     Get Processing Options
               CLA: 80
               INS: A8
               P1: 00
               P2: 00
               Lc: 0A
               Data: 83 08 00 00 00 00 00 00 00 00
               Le: 00
PICC    Successful
            Data (24 bytes)
                Tag 77:Response Message Template Format 2
                Length:16
                Value :82 02 59 80 94 10 08 01 01 00 10 01 01 01 18 01 
                       02 00 20 01 02 00
                    Tag 82:Application Interchange Profile
                    Length:02
                    Value :59 80
                    Tag 94:Application File Locator (AFL)
                    Length:10
                    Value :08 01 01 00 10 01 01 01 18 01 02 00 20 01 02 00
                SW1 SW2: 90 00
PCD     Read Record
               CLA: 00
               INS: B2
               P1: 01
               P2: 14
               Le: 00
PICC    Successful
            Data (184 bytes)
                Tag 70:Application Elementary File (AEF) Data Template
                Length:B5
                Value :57 11 54 13 33 00 89 60 00 28 D2 51 22 01 01 23 
                       40 91 72 5A 08 54 13 33 00 89 60 00 28 5F 20 0C 
                       45 54 45 43 2F 50 41 59 50 41 53 53 5F 24 03 25 
                       12 31 5F 25 03 04 01 01 5F 28 02 00 56 5F 34 01 
                       01 8C 21 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 
                       02 9A 03 9C 01 9F 37 04 9F 35 01 9F 45 02 9F 4C 
                       08 9F 34 03 8D 0C 91 0A 8A 02 95 05 9F 37 04 9F 
                       4C 08 8E 0E 00 00 00 00 00 00 00 00 42 03 5E 03 
                       1F 03 9F 07 02 FF 00 9F 08 02 00 02 9F 0D 05 00 
                       00 00 00 00 9F 0E 05 00 00 00 00 00 9F 0F 05 00 
                       00 00 00 00 9F 42 02 09 78 9F 4A 01 82 9F 20 05 
                       99 99 99 99 9F
                    Tag 57:Track 2 Equivalent Data
                    Length:11
                    Value :54 13 33 00 89 60 00 28 D2 51 22 01 01 23 40 91 
                           72
                    Tag 5A:Application Primary Account Number (PAN)
                    Length:08
                    Value :54 13 33 00 89 60 00 28
                    Tag 5F20:Cardholder Name
                    Length:0C
                    Value :45 54 45 43 2F 50 41 59 50 41 53 53
                    ASCII Value:ETEC/PAYPASS
                    Tag 5F24:Application Expiration Date
                    Length:03
                    Value :25 12 31
                    Tag 5F25:Application Effective Date
                    Length:03
                    Value :04 01 01
                    Tag 5F28:Issuer Country Code
                    Length:02
                    Value :00 56
                    Tag 5F34:Application PAN Sequence Number
                    Length:01
                    Value :01
                    Tag 8C:Card Risk Management Data 1 (CDOL1)
                    Length:21
                    Value :9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 
                           9C 01 9F 37 04 9F 35 01 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 9F35:Terminal Type
                        Length:01
                        Tag 9F45:Data Authentication Code
                        Length:02
                        Tag 9F4C:ICC Dynamic Number
                        Length:08
                        Tag 9F34:Cardholder Verification Method (CVM) Results
                        Length:03
                    Tag 8D:Card Risk Management Data 2 (CDOL2)
                    Length:0C
                    Value :91 0A 8A 02 95 05 9F 37 04 9F 4C 08
                        Tag 91:Issuer Authentication Data
                        Length:0A
                        Tag 8A:Authorisation Response Code
                        Length:02
                        Tag 95:Terminal Verification Results
                        Length:05
                        Tag 9F37:Unpredictable Number
                        Length:04
                        Tag 9F4C:ICC Dynamic Number
                        Length:08
                    Tag 8E:Cardholder Verification Method (CVM) List
                    Length:0E
                    Value :00 00 00 00 00 00 00 00 42 03 5E 03 1F 03
                        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 = 03:If terminal supports the CVM
                        code = 5E:Apply succeeding CVM Rule if this CVM is unsuccessful, Signature (paper)
                        condition = 03:If terminal supports the CVM
                        code = 1F:Fail cardholder verification if this CVM is unsuccessful, No CVM required
                        condition = 03:If terminal supports the CVM
                    Tag 9F07:Application Usage Control
                    Length:02
                    Value :FF 00
                    Tag 9F08:Application Version Number
                    Length:02
                    Value :00 02
                    Tag 9F0D:Issuer Action Code - Default
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F0E:Issuer Action Code - Denial
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F0F:Issuer Action Code - Online
                    Length:05
                    Value :00 00 00 00 00
                    Tag 9F42:Application Currency Code
                    Length:02
                    Value :09 78
                    Tag 9F4A:Static Data Authentication Tag List
                    Length:01
                    Value :82
                Tag 9F20:Track 2 Discretion Data
            Length:05
            Value :99 99 99 99 9F
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 01
         P2: 1C
         Le: 00
PICC    Successful
        Data (163 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:A0
          Value :8F 01 FA 9F 32 01 03 92 04 D3 52 41 07 90 81 90 
                 18 89 B9 97 E6 FC E8 4B 4A E7 AB 87 43 1C BD B3 
                 DF 8C 1D 5A 55 A7 F6 0D 29 59 AF 3A 51 04 E7 58 
                 83 17 ED 74 08 66 68 CF 1A 05 47 84 F7 49 3C 6D 
                 74 7F A7 96 EC 14 D3 33 A6 8E C7 E0 08 62 95 9A 
                 0B D0 F0 48 20 80 B7 1A C1 B7 62 5B 1B 8B 1F 35 
                 A6 69 19 99 BA 78 F5 92 E2 3F 95 E9 96 09 D1 08 
                 CF 1C 0E 30 8A 8B F6 4F BD E8 37 D3 CE 13 8A 50 
                 DC 50 AF 4B 41 EE 53 D9 8A 11 B6 A8 1D DD 44 CC 
                 43 0C 1E F3 BB 9D 1D 75 A0 2F AA 9C 81 4A FC 58
            Tag 8F:Certification Authority Public Key Index
            Length:01
            Value :FA
            Tag 9F32:Issuer Public Key Exponent
            Length:01
            Value :03
            Tag 92:Issuer Public Key Remainderer
            Length:04
            Value :D3 52 41 07
            Tag 90:Issuer Public Key Certificate
            Length:90
            Value :18 89 B9 97 E6 FC E8 4B 4A E7 AB 87 43 1C BD B3 
                   DF 8C 1D 5A 55 A7 F6 0D 29 59 AF 3A 51 04 E7 58 
                   83 17 ED 74 08 66 68 CF 1A 05 47 84 F7 49 3C 6D 
                   74 7F A7 96 EC 14 D3 33 A6 8E C7 E0 08 62 95 9A 
                   0B D0 F0 48 20 80 B7 1A C1 B7 62 5B 1B 8B 1F 35 
                   A6 69 19 99 BA 78 F5 92 E2 3F 95 E9 96 09 D1 08 
                   CF 1C 0E 30 8A 8B F6 4F BD E8 37 D3 CE 13 8A 50 
                   DC 50 AF 4B 41 EE 53 D9 8A 11 B6 A8 1D DD 44 CC 
                   43 0C 1E F3 BB 9D 1D 75 A0 2F AA 9C 81 4A FC 58
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 02
         P2: 1C
         Le: 00
PICC    Successful
        Data (116 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:72
          Value :93 70 44 0D F0 8D 3B 67 A5 BB 81 B8 E3 9C 1D 0D 
                 62 D2 7B 88 02 46 15 AC 14 65 2C 78 F4 E3 B2 80 
                 DC BD 4B 18 05 9D 66 9F 81 BA 48 09 A6 E5 8C 26 
                 51 64 52 12 2E 52 5C 07 3F 15 0A 1A 80 62 9F D7 
                 64 6D 18 74 73 F0 03 61 5D 84 D2 EA 7D C3 E9 BC 
                 BD C9 3D 09 88 29 4E CA 15 01 17 33 0D A2 FC 39 
                 9A 97 7F AD D6 B7 BE 36 53 5E A4 F1 98 DB 6B 32 
                 F1 33
            Tag 93:Signed Application Data
            Length:70
            Value :44 0D F0 8D 3B 67 A5 BB 81 B8 E3 9C 1D 0D 62 D2 
                   7B 88 02 46 15 AC 14 65 2C 78 F4 E3 B2 80 DC BD 
                   4B 18 05 9D 66 9F 81 BA 48 09 A6 E5 8C 26 51 64 
                   52 12 2E 52 5C 07 3F 15 0A 1A 80 62 9F D7 64 6D 
                   18 74 73 F0 03 61 5D 84 D2 EA 7D C3 E9 BC BD C9 
                   3D 09 88 29 4E CA 15 01 17 33 0D A2 FC 39 9A 97 
                   7F AD D6 B7 BE 36 53 5E A4 F1 98 DB 6B 32 F1 33
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 01
         P2: 24
         Le: 00
PICC    Successful
        Data (35 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:21
          Value :9F 47 01 03 9F 48 1A 00 00 00 00 00 00 00 06 60 
                 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 
                 55
            Tag 9F47:ICC Public Key Exponent
            Length:01
            Value :03
            Tag 9F48:ICC Public Key Remainder
            Length:1A
            Value :00 00 00 00 00 00 00 06 60 00 00 00 00 00 00 00 
                   00 00 00 00 00 00 00 00 00 55
          SW1 SW2: 90 00
PCD     Read Record
         CLA: 00
         INS: B2
         P1: 02
         P2: 24
         Le: 00
PICC    Successful
        Data (117 bytes)
          Tag 70:Application Elementary File (AEF) Data Template
          Length:73
          Value :9F 46 70 38 7C 7E 87 02 F3 42 8D 6B 82 FC 70 FE 
                 EB 29 96 F7 21 78 7B DD 79 CA EF 7A 65 0E 7D 00 
                 CF E5 2C C5 09 6B 58 DB F2 7B 07 9D 8E 82 FC F4 
                 57 FC C3 46 FF 49 F6 F7 19 F5 BE 80 FD 50 A6 52 
                 51 2C DB 03 32 5E FA 59 BC 00 A5 5F AE F4 A3 D7 
                 FD 92 F0 5F 67 B7 92 B6 FB 51 5B F1 92 82 CF D1 
                 89 B7 4B 91 1F 9D 0E 76 CD E0 BD E6 87 FA B9 FC 
                 23 9B DA
            Tag 9F46:ICC Public Key Certificate
            Length:70
            Value :38 7C 7E 87 02 F3 42 8D 6B 82 FC 70 FE EB 29 96 
                   F7 21 78 7B DD 79 CA EF 7A 65 0E 7D 00 CF E5 2C 
                   C5 09 6B 58 DB F2 7B 07 9D 8E 82 FC F4 57 FC C3 
                   46 FF 49 F6 F7 19 F5 BE 80 FD 50 A6 52 51 2C DB 
                   03 32 5E FA 59 BC 00 A5 5F AE F4 A3 D7 FD 92 F0 
                   5F 67 B7 92 B6 FB 51 5B F1 92 82 CF D1 89 B7 4B 
                   91 1F 9D 0E 76 CD E0 BD E6 87 FA B9 FC 23 9B DA
          SW1 SW2: 90 00
PCD     Generate Application Cryptogram
         CLA: 80
         INS: AE
         P1: 50
         P2: 00
         Lc: 2B
         Data: 00 00 00 00 01 00 00 00 00 00 00 00 01 24 00 00 
               00 00 00 01 24 14 02 25 00 ED 03 F6 3B 22 00 00 
               00 00 00 00 00 00 00 00 1F 03 02
         Le: 00
PICC    Successful
        Data (146 bytes)
          Tag 77:Response Message Template Format 2
          Length:8F
          Value :9F 27 01 80 9F 36 02 00 13 9F 4B 60 08 B8 6F F7 
                 0E 14 CE 20 03 AC 31 5B B6 91 C5 13 11 C5 82 10 
                 D5 2C CF 32 CC 76 D3 9F 6C A9 E2 71 9D DD 8B 41 
                 83 97 A1 B2 CD 59 FC 00 58 F4 E6 B9 2A 4A 2C 93 
                 5E 85 69 DD 10 1C 9A 5D FB F0 17 63 C0 20 09 66 
                 C5 B4 FD FE 45 A9 C4 C6 6E 6A 39 01 7C F5 ED F8 
                 F0 9F AC B2 C2 DC 6A 9B CE 3C B4 B9 9F 10 20 01 
                 10 A0 40 09 24 80 00 00 00 00 00 00 00 00 00 00 
                 FF 00 00 00 00 00 00 00 00 00 00 00 00 00 00
            Tag 9F27:Cryptogram Information Data (CID)
            Length:01
            Value :80 // ARQC = online authorization (EMV 4.3 Book 3, table 14)
            Tag 9F36:Application Transaction Counter (ATC)
            Length:02
            Value :00 13
            Tag 9F4B:Signed Dynamic Application Data
            Length:60
            Value :08 B8 6F F7 0E 14 CE 20 03 AC 31 5B B6 91 C5 13 
                   11 C5 82 10 D5 2C CF 32 CC 76 D3 9F 6C A9 E2 71 
                   9D DD 8B 41 83 97 A1 B2 CD 59 FC 00 58 F4 E6 B9 
                   2A 4A 2C 93 5E 85 69 DD 10 1C 9A 5D FB F0 17 63 
                   C0 20 09 66 C5 B4 FD FE 45 A9 C4 C6 6E 6A 39 01 
                   7C F5 ED F8 F0 9F AC B2 C2 DC 6A 9B CE 3C B4 B9
            Tag 9F10:Issuer Application Data
            Length:20
            Value :01 10 A0 40 09 24 80 00 00 00 00 00 00 00 00 00 
                   00 FF 00 00 00 00 00 00 00 00 00 00 00 00 00 00
          SW1 SW2: 90 00
PCD      RESET

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