Anyone have knowledge on EMV tags and provide EMV tag Format and Sample value for Tag 91- Issuer Authentication Data and Issuer Script Template 1 and 2.
EMV ADOPTION FOR CARD-PRESENT TRANSACTIONS (2013-2014)24 US 0.03% The approximate annual cost of card fraud to US banks26 EMV EFFECT ON CARD FRAUD25 EMV AWARENESS THE COST OF EMV CONVERSION27 UK Implements EMV In 2004. Card fraud falls-33% France Implements EMV in 2005. Card fraud falls-91% Expected to be Issued by US Card Issuers in 201528 Total Price Tag. Reason why we need to create the type of value of 72 tag as EMVTag. Tag 91 and tag 72 both should go in transaction response to the card.
2 Answers
Issuer Authentication Data are represented using EMV Tag 91 in BER-TLV format.For more details please check EMV Book 3 (A1 Data Elements by Name)
example: TLV [910ABCF266A64FF136630010]
TAG Issuer Authentication Data -> 91
LEN -> 0A (10 DEC)
VALUE -> BC F2 66 A6 4F F1 36 63 00 10
Using the same way Issuer Script Template 1 is represented using EMV tag 71 and Issuer Script Template 2 is represented using EMV tag 72.
example: TLV [72127210860E84DA00CB0910230E1B119D26C2DA]
TAG Issuer Script Template 2 -> 72
LEN ->12 (18 DEC)
VALUE->72 10 86 0E 84 DA 00 CB 09 10 23 0E 1B 11 9D 26 C2 DA
Sample values for tag 91 are irrelevant. The contents of tag 91 are defined by the issuer (Visa, Amex, MC, etc.) and can contain anything they want to put in there (subject, of course, to the tag maximum size). The tag should be passed verbatim to the card for it to process.
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<tagcode='9f01'name='Acquirer Identifier' /> |
<tagcode='9f02'name='Amount, Authorised (Numeric)' /> |
<tagcode='9f03'name='Amount, Other (Numeric)' /> |
<tagcode='9f04'name='Amount, Other (Binary)' /> |
<tagcode='9f05'name='Application Discretionary Data' /> |
<tagcode='9f06'name='Application Identifier (AID) - terminal' /> |
<tagcode='9f07'name='Application Usage Control' /> |
<tagcode='9f08'name='Application Version Number' /> |
<tagcode='9f09'name='Application Version Number' /> |
<tagcode='9f0b'name='Cardholder Name Extended' /> |
<tagcode='bf0c'name='FCI Issuer Discretionary Data' /> |
<tagcode='9f0d'name='Issuer Action Code - Default' /> |
<tagcode='9f0e'name='Issuer Action Code - Denial' /> |
<tagcode='9f0f'name='Issuer Action Code - Online' /> |
<tagcode='9f10'name='Issuer Application Data' /> |
<tagcode='9f11'name='Issuer Code Table Index' /> |
<tagcode='9f12'name='Application Preferred Name' /> |
<tagcode='9f13'name='Last Online Application Transaction Counter (ATC) Register' /> |
<tagcode='9f14'name='Lower Consecutive Offline Limit' /> |
<tagcode='9f15'name='Merchant Category Code' /> |
<tagcode='9f16'name='Merchant Identifier' /> |
<tagcode='9f17'name='Personal Identification Number (PIN) Try Counter' /> |
<tagcode='9f18'name='Issuer Script Identifier' /> |
<tagcode='9f1a'name='Terminal Country Code' /> |
<tagcode='9f1b'name='Terminal Floor Limit' /> |
<tagcode='9f1c'name='Terminal Identification' /> |
<tagcode='9f1d'name='Terminal Risk Management Data' /> |
<tagcode='9f1e'name='Interface Device (IFD) Serial Number' /> |
<tagcode='9f1f'name='Track 1 Discretionary Data' /> |
<tagcode='5f20'name='Cardholder Name'parser='tag_string'/> |
<tagcode='9f21'name='Transaction Time' /> |
<tagcode='9f22'name='Certification Authority Public Key Index' /> |
<tagcode='9f23'name='Upper Consecutive Offline Limit' /> |
<tagcode='5f24'name='Application Expiration Date' /> |
<tagcode='5f25'name='Application Effective Date' /> |
<tagcode='9f26'name='Application Cryptogram' /> |
<tagcode='9f27'name='Cryptogram Information Data' /> |
<tagcode='5f28'name='Issuer Country Code' /> |
<tagcode='5f2a'name='Transaction Currency Code' /> |
<tagcode='5f2d'name='Language Preference' /> |
<tagcode='9f2e'name='Integrated Circuit Card (ICC) PIN Encipherment Public Key Exponent' /> |
<tagcode='9f2f'name='Integrated Circuit Card (ICC) PIN Encipherment Public Key Remainder' /> |
<tagcode='5f30'name='Service Code' /> |
<tagcode='9f32'name='Issuer Public Key Exponent' /> |
<tagcode='9f33'name='Terminal Capabilities' /> |
<tagcode='5f34'name='Application Primary Account Number (PAN)' /> |
<tagcode='9f35'name='Terminal Type' /> |
<tagcode='5f36'name='Transaction Currency Exponent' /> |
<tagcode='9f37'name='Unpredictable Number' /> |
<tagcode='9f38'name='Processing Options Data Object List (PDOL)'parser='tag_dol'/> |
<tagcode='9f34'name='Cardholder Verification Method (CVM) Results' /> |
<tagcode='9f3a'name='Amount, Reference Currency' /> |
<tagcode='9f3b'name='Application Reference Currency' /> |
<tagcode='9f3c'name='Transaction Reference Currency Code' /> |
<tagcode='9f3d'name='Transaction Reference Currency Exponent' /> |
<tagcode='9f40'name='Additional Terminal Capabilities' /> |
<tagcode='9f41'name='Transaction Sequence Counter' /> |
<tagcode='42'name='Issuer Identification Number (IIN)' /> |
<tagcode='9f43'name='Application Reference Currency Exponent' /> |
<tagcode='9f44'name='Application Currency Exponent' /> |
<tagcode='9f2d'name='Integrated Circuit Card (ICC) PIN Encipherment Public Key Certificate' /> |
<tagcode='9f46'name='Integrated Circuit Card (ICC) Public Key Certificate' /> |
<tagcode='9f47'name='Integrated Circuit Card (ICC) Public Key Exponent' /> |
<tagcode='9f48'name='Integrated Circuit Card (ICC) Public Key Remainder' /> |
<tagcode='9f49'name='Dynamic Data Authentication Data Object List (DDOL)'parser='tag_dol' /> |
<tagcode='9f4a'name='Static Data Authentication Tag List' /> |
<tagcode='9f4b'name='Signed Dynamic Application Data' /> |
<tagcode='9f4c'name='ICC Dynamic Number' /> |
<tagcode='9f4d'name='Log Entry' /> |
<tagcode='9f4e'name='Merchant Name and Location' /> |
<tagcode='4f'name='Application Identifier (AID)'parser='tag_aid'/> |
<tagcode='50'name='Application Label'parser='tag_string'/> |
<tagcode='9f51'name='Application Currency Code' /> |
<tagcode='9f52'name='Card Verification Results (CVR)' /> |
<tagcode='5f53'name='International Bank Account Number (IBAN)' /> |
<tagcode='5f54'name='Bank Identifier Code (BIC)' /> |
<tagcode='5f55'name='Issuer Country Code (alpha2 format)' /> |
<tagcode='5f56'name='Issuer Country Code (alpha3 format)' /> |
<tagcode='57'name='Track 2 Equivalent Data' /> |
<tagcode='9f58'name='Lower Consecutive Offline Limit (Card Check)' /> |
<tagcode='9f59'name='Upper Consecutive Offline Limit (Card Check)' /> |
<tagcode='5a'name='Application Primary Account Number (PAN)' /> |
<tagcode='9f5c'name='Cumulative Total Transaction Amount Upper Limit' /> |
<tagcode='9f72'name='Consecutive Transaction Limit (International - Country)' /> |
<tagcode='61'name='Application Template' /> |
<tagcode='9f65'name='Track 2 Bit Map for CVC3' /> |
<tagcode='9f66'name='Track 2 Bit Map for UN and ATC' /> |
<tagcode='9f68'name='Mag Stripe CVM List' /> |
<tagcode='9f69'name='Unpredictable Number Data Object List (UDOL)'parser='tag_dol' /> |
<tagcode='9f6b'name='Track 2 Data' /> |
<tagcode='9f6c'name='Mag Stripe Application Version Number (Card)' /> |
<tagcode='9f6e'name='Unknown Tag' /> |
<tagcode='6f'name='File Control Information (FCI) Template' /> |
<tagcode='70'name='EMV Proprietary Template' /> |
<tagcode='71'name='Issuer Script Template 1' /> |
<tagcode='72'name='Issuer Script Template 2' /> |
<tagcode='73'name='Directory Discretionary Template' /> |
<tagcode='9f74'name='VLP Issuer Authorization Code' /> |
<tagcode='9f75'name='Cumulative Total Transaction Amount Limit - Dual Currency' /> |
<tagcode='9f76'name='Secondary Application Currency Code' /> |
<tagcode='77'name='Response Message Template Format 2' /> |
<tagcode='9f7d'name='Unknown Tag' /> |
<tagcode='9f7f'name='Card Production Life Cycle (CPLC) History File Identifiers' /> |
<tagcode='80'name='Response Message Template Format 1' /> |
<tagcode='81'name='Amount, Authorised (Binary)' /> |
<tagcode='82'name='Application Interchange Profile' /> |
<tagcode='83'name='Command Template' /> |
<tagcode='84'name='Dedicated File (DF) Name' /> |
<tagcode='86'name='Issuer Script Command' /> |
<tagcode='87'name='Application Priority Indicator' /> |
<tagcode='88'name='Short File Identifier (SFI)' /> |
<tagcode='89'name='Authorisation Code' /> |
<tagcode='8a'name='Authorisation Response Code' /> |
<tagcode='8c'name='Card Risk Management Data Object List 1 (CDOL1)'parser='tag_dol'/> |
<tagcode='8d'name='Card Risk Management Data Object List 2 (CDOL2)'parser='tag_dol'/> |
<tagcode='8e'name='Cardholder Verification Method (CVM) List' /> |
<tagcode='8f'name='Certification Authority Public Key Index' /> |
<tagcode='90'name='Issuer Public Key Certificate' /> |
<tagcode='91'name='Issuer Authentication Data' /> |
<tagcode='92'name='Issuer Public Key Remainder' /> |
<tagcode='93'name='Signed Static Application Data' /> |
<tagcode='94'name='Application File Locator (AFL)' /> |
<tagcode='95'name='Terminal Verification Results' /> |
<tagcode='97'name='Transaction Certificate Data Object List (TDOL)'parser='tag_dol'/> |
<tagcode='98'name='Transaction Certificate (TC) Hash Value' /> |
<tagcode='99'name='Transaction Personal Identification Number (PIN) Data' /> |
<tagcode='9a'name='Transaction Date' /> |
<tagcode='9b'name='Transaction Status Information' /> |
<tagcode='9c'name='Transaction Type' /> |
<tagcode='9d'name='Directory Definition File (DDF) Name' /> |
<tagcode='9f45'name='Data Authentication Code' /> |
<tagcode='a5'name='File Control Information (FCI) Proprietary Template' /> |
<tagcode='9f57'name='Issuer Country Code' /> |
<tagcode='9f39'name='Point-of-Service (POS) Entry Mode' /> |
<tagcode='9f73'name='Currency Conversion Factor' /> |
<tagcode='9f42'name='Application Currency Code' /> |
<tagcode='9f56'name='Issuer Authentication Indicator' /> |
<tagcode='9f20'name='Track 2 Discretionary Data' /> |
<tagcode='df01'name='Reference PIN' /> |
<tagcode='9f36'name='Application Transaction Counter (ATC)' /> |
<tagcode='9f4f'name='Log Format' /> |
<tagcode='5f50'name='Issuer URL' /> |
<tagcode='9f5a'name='Issuer URL2' /> |
<tagcode='9f53'name='Consecutive Transaction Limit (International)' /> |
<tagcode='9f54'name='Cumulative Total Transaction Amount Limit' /> |
<tagcode='9f55'name='Geographic Indicator' /> |
</xml> |
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