An MSD transaction is a Contactless payment that is processed using either Track 2 Equivalent Data or Track 1 data, designed primarily for use with cards or terminals in markets that do not support EMV Mode data.

You need to paste the entire content of field(DE) 55 , which contains all EMV data, in hex, in the text box above.

To safeguard against fraudulent use, the terminal will manage the level of risk by requiring certain transactions to be authorized online that would otherwise have been authorised locally.

qVSDC offers various optimisations to ensure a quick transaction, including support for fDDA.

The 4-character Authorisation Response Code is generated by the issuer and returned in the authorization response message. If this is not supported or fails to find a match, the terminal must iterate through its AID list asking the card whether it supports each individual AID.If there are multiple applications in the completed candidate list, or the application requires it, then the cardholder will be asked to choose an application; otherwise it may be automatically selected.Following successful completion of this step, the terminal proceeds to perform application selection.

The track 1 data (or more accurately, the track 1 equivalent data) is data that is formatted similarly to the data that would typically be found on the track 1 of a magnetic stripe card, and may be generated by a contactless reader or provided by a contactless card for an MSD-Mode transaction.

This involves checking if their Application Version Numbers match, if the card application is expired or pre-valid, and whether the, The PIX is an optional, variable length, suffix that may be allocated by card schemes to differentiate between multiple applications (e.g.

tag 91 - Issuer Authentication Data) and would be different from one bank to another. The 16-character Interface Device (IFD) Serial Number contains a unique and permanent identification number assigned to the IFD by the manufacturer. Although, A TC is a type of Application Cryptogram that is generated whenever a card approves a transaction during, The TDOL is a list of data that the terminal must use as the input when it needs to calculate a transaction cryptogram hash, and the terminal may also store a default TDOL that can be used if the TDOL is not present in the data from the card. A 10-character Terminal Action Code – Denial specifies the acquirer’s conditions that cause the denial of a transaction without an attempt to go online. Note that the same list with extended searching options is implemented in our freeware BP-Tools product.

The terminal has a list containing the Application Identifier (AID) of every EMV application that it is configured to support, and the terminal must generate a candidate list of applications that are supported by both the terminal and card. Let's take a look at the FirstData's definition of "EMV tags": Values involved in an EMV transaction (which result from the Issuer’s implementation choices) are transported and identified by a tag that defines the meaning of the value, the format, and the length. One of the best ways to highlight it even better is to look at the following slide with the examples: The picture above shows a list of "EMV Tags" with corresponding meaning for each in the "Chip Data" column. A 2-character POS Entry Mode field indicates the method by which the PAN was entered, according to the first two digits of the ISO 8583:1987 POS Entry Mode. Search for EMV tags, by keyword or number (show all tags), For further information, see EMV 4.1, Book 3, Annex A, https://emvlab.org/ – the one stop site for payment system researchers and practitioners – © 2009–2019.

It is also known as the contactless field or contactless interface. A 10- to 32-character Application Dedicated File (ADF) Name is used to address an application in the chip card. It is highly recommended to limit the tags sent in the EMV tag data field to those defined in the EMV Request Tags … However, one particular component that is present in each EMV transaction, but doesn't have a good "explain me like I'm 5 years old" clarification is "EMV Tags". This field identifies the card when multiple chip cards are associated with a single account number. Once a reader combination has been chosen, the processing continues according to the card scheme rules associated with the Kernel ID. due to communications failure) then the terminal is required to perform additional, Requirements specified by the PCI Security Standards Council (, The PSE is an optional mechanism for the card to store a directory structure that holds records containing a number of applications that are available on the card. This feature provides an additional layer of security we talked before. The contactless symbol is the EMVCo-defined symbol displayed on contactless readers at the centre of the landing zone to indicate to cardholders where they should tap their card. fDDA is an optimised form of Data Authentication that is performed during qVSDC transaction to allow the reader to obtain DDA related data from the card but to perform the cryptographic calculations after the card has been removed from the RF field.

EMV ("Europay, Visa, MasterCard") standard has been invented a while ago (first release in 1994) as an urgent need to address security flaws of the previous generation magnetic stripe cards.

This is what we're going to cover in this post. This cryptogram is generated by the card and send to the card issuer to confirm that the "chip" was not falsified (if you're eager to learn more about cryptograms, please refer to EMV's Guide to EMV Chip Technology and/or one of the versions of EMV Book).

VCPS is the specification for performing MSD-Mode or qVSDC contactless transactions for Visa cards. If the transaction does not include a cashback amount, the Amount, Other (Numeric) field must be all zeros. Each of these stages has a specific DOL which is a list containing one or more pairs of tags and lengths (both encoded according to, The DDOL is a list of data that the card requires if the, EMV are the international industry standards that define the rules for processing chip cards, originally named after the 3 organisations (Europay, MasterCard and Visa) that produced the specifications. The 10-character Additional Terminal Capabilities field contains the POS terminal input and output capabilities.