In such cases if the issuer wants card to not decline the transaction when ARPC not present, in the ACO( Application configuration Option), it is explicitly mentioned about partial chip implementation.Ĭheck each payment scheme card and terminal specifications manual careful before you implement, as any loop holes in implementation may help a fraudster skip the security you wish to provide.Thumb rule, if you get ARPC from issuer, always sent it to card.

91: AES Support in Common Core Definitions. EMV 4.1 Book 3 Application Specification May 2004 Page vii 9.3 Command Use 91 9.3.1 GENERATE AC (First Issuance) 92 9.3.2 GENERATE AC (Second Issuance) 92 10 Functions Used in Transaction Processing 93 10.1 Initiate Application Processing 93 10.2 Read Application Data 95 10. Here we have the ASN.1 example encodet to the TLV structure: 30 11 OC 06 4D 7E 6C 6C 65 72. Tag 30 : Sequence OC : UTF8 String 02 : Integer 01 : Boolean. The tag defines if the object is an integer, boolean or something else. Every data object consists of a tag, a length byte and the value/data. Valid tag 91 format but wrong key used: 9.01: Valid tag 91 but without tag 8A data appended to value: 9.02: Don’t send tag 91 even if requested by the card: 9.03: Invalid tag 91 data: 9.04: Invalid tag 91 data: 9.05: Invalid tag 91 data: 9.06: Invalid tag 91 data: 9.07: Invalid tag 91 data: 9.08: Invalid tag 91 data: 9.09: Send tag. D-PAS( Diners/Discover) AIP B1B3 is off, since it does not support External Authenticate. 89: EMV Tag Allocations Specification Bulletin no. To encode the ASN.1 data we use the TLV Structure.

I am sure you know that it is an additional level of security that ensures that the response came from the correct issuer.When AIP B1B3 is on, it means card will expect tag 91. Issuer authentication always have to be performed unless you are doing a partial chip implementation. Pravar Jawalekar Pravar Jawalekar 2 AnswersĪre you working for Card Application or Terminal Application ?

Emv tag 91