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contactless-smartcardemviso8583

ARQC PDOL and ICC data in ISO 8583 message


I have successfully generated a ARQC by satisfying the PDOL required by the ICC. The ARQC required the following PDOL tags.

9F66 TTQ
9F02 Amount Authorised
5F2A Transaction Currency Code
9A Transaction Date
9F37 Unpredictable Number

The AID returned from ICC

06 01 11 03 A00000 0F83000000000000000000006975A844

The Cryptogram Version Number as above 17 (11 Hex)

My question, when I submit the transaction to the acquiring bank for authorisation via a ISO8583 host to host connection, in the ICC related data element do I only populate the EMV tags required by the PDOL and response Tags, or do I submit all ICC tags including for example the 'Terminal Verification Results' which was not required as per PDOL ?

Based on the CVN 17 the required fields to validate Cryptogram is

9F02 Amount
9F37 Unpredictable Number
9F36 ATC
9F10 CVR

Solution

  • Agree with comment from Michal.

    Acquirer require much more EMV tags to transfer them to Card Issuer side and identify correct card profile and finally validate Cryptogram. The list of EMV data can be different in small details and place of these EMV Values transferred in ISO 8583 message. Refer to your Acquirer ISO 8583 specification.

    The short summary of EMV tags and other fields required by Acquirer Interface you may see in EMV specification Book 4, Article "Authorisation Request".

    Keep in mind that contactless cards, like your Visa PayWave may need to transfer own specific Tags depending of Card Brand Specification.