EMV Acronyms

Are you confused by all the acronyms associated with EMV? Here are some common acronyms you may encounter.

AAC Application Authentication Cryptogram
Description: Application Cryptogram generated by the ICC when declining a transaction offline
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 9.3
AC Application Cryptogram
Description: Cryptogram generated by the ICC in response to a GENERATE AC command from the chip-enabled terminal; there are three possible cryptograms that can be generated by the ICC: AAC, ARQC, or TC
EMV Tag: 9F26
Reference: EMVCo Specification, Version 4.3, Book 2, Section 8; Book 3, Section 9.3
AES Advanced Encryption Standard
Description: Approved symmetric cryptographic algorithm that is commonly used to encrypt and decrypt data
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 2, Annex B
AFL Application File Locator
Description: Identifies the location of the elementary files on the ICC that are related to a specific application
EMV Tag: 94
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.2
AID Application Identifier
Description: Identifies a specific card scheme and product, program, or network such as MasterCard Cirrus, Visa PLUS, Interac, etc.
EMV Tag: 9F06
Reference: EMVCo Specification, Version 4.3, Book 3, Section 6.5.5
AIP Application Interchange Profile
Description: Identifies the capabilities of the ICC to support specific functions for an application, e.g. offline authentication, cardholder verification, issuer authentication
EMV Tag: 82
Reference: EMVCo Specification, Version 4.3, Book 3, Annex C1
APDU Application Protocol Data Unit
Description: Refers to the format of the request and response commands exchanged between the ICC and the chip-enabled terminal
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 11
API Application Priority Indicator
Description: For each application on the ICC, this field indicates whether the application can be automatically selected (without confirmation by the cardholder) and the priority of that application compared to the other applications in the ICC; the priority of each application in the ICC is established by the issuer
EMV Tag: 87
Reference: EMVCo Specification, Version 4.3, Book 1, Table 48
ARC Authorization Response Code
Description: Set by the issuer to indicate the result of the authorization decision (approved, declined, referral); typically one of the data elements used when calculating the ARPC
EMV Tag: May be part of Tag 91, depending on the ICC specification and application
Reference: EMVCo Specification, Version 4.3, Book 4, Section 6.3.2
ARPC Authorization Response Cryptogram
Description: Cryptogram generated by the issuer in response to an ARQC; used by the ICC to verify that the response came from the actual issuer
EMV Tag: 91
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.9
ARQC Authorization Request Cryptogram
Description: Application Cryptogram generated by the ICC when requesting online authorization; used by the issuer to verify that the request came from the actual card
EMV Tag: 9F26
Reference: EMVCo Specification, Version 4.3, Book 3, Section 9.3
ASI Application Selection Indicator
Description: For each AID supported by the chip-enabled terminal, this field indicates whether the AID must match the AID in the ICC exactly, including the length of the AID, or whether the AID in the ICC only has to match up to the length of the AID in the terminal
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 12; Book 4, Section 11.3
ATC Application Transaction Counter
Description: Counter maintained in the ICC for each application; incremented by the ICC for each transaction using that application
EMV Tag: 9F36
Reference: EMVCo Specification, Version 4.3, Book 3, Section 7.3
CAM Card Authentication Method
Description: Process of verifying that the card is authentic; this can be done online by the issuer, or offline by the chip-enabled terminal, depending on how each is configured and the decisions made during the ICC-terminal interaction
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.9
CDA Combined Dynamic Data Authentication/Application Cryptogram
Description: A method of offline data authentication performed between the ICC and the chip-enabled terminal using dynamic data; an additional cryptogram is generated by the ICC for the purpose of non-repudiation
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.3
CDOL1 Card Risk Management Data Object List 1
Description: List of data objects (Tag and Length) passed to the ICC in the first GENERATE AC command; indicates the EMV Tags that are to be used to generate a cryptogram
EMV Tag: 8C
Reference: EMVCo Specification, Version 4.3, Book 3, Section 9.2.1
CDOL2 Card Risk Management Data Object List 2
Description: List of data objects (Tag and Length) passed to the ICC in the second GENERATE AC command; indicates the EMV Tags that are to be used to generate or verify a cryptogram
EMV Tag: 8D
Reference: EMVCo Specification, Version 4.3, Book 3, Section 9.2.1
CID Cryptogram Information Data
Description: Indicates the type of cryptogram (TC, ARQC, or AAC) and the actions to be performed by the terminal
EMV Tag: 9F27
Reference: EMVCo Specification, Version 4.3, Book 4, Section 6.3.2
CVM Cardholder Verification Method
Description: Identifies the method(s) that can be used to verify the cardholder; e.g. PIN, signature, or none
EMV Tag: 8E
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.5 and Annex C3
CVR Cardholder Verification Method Results
Description: Indicates the results of the last CVM performed
EMV Tag: 9F34
Reference: EMVCo Specification, Version 4.3, Book 3, Annex C3
DDA Dynamic Data Authentication
Description: A method of offline data authentication performed between the ICC and the chip-enabled terminal using dynamic data; the cryptogram generated by the ICC provides security against counterfeiting
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.3
DES Data Encryption Standard
Description: Common symmetric cryptographic algorithm developed in the 1970s that is used to encrypt and decrypt data; this algorithm is now considered insecure due to short key length
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 2, Annex B
DF Dedicated File Name
Description: Identifies the name of the Dedicated File (DF) for an ICC application
EMV Tag: 84
Reference: EMVCo Specification, Version 4.3, Book 1, Section 10.1.3
EMV Europay MasterCard Visa
Description: The implementation-oriented global specifications regarding the use of chip card technology for the payments industry; established to ensure interoperability and acceptance of payment system Integrated Circuit Cards on a worldwide basis; the acronym refers to the three organizations that initially collaborated on the specification
EMV Tag: N/A
Reference: www.emvco.com
IAC Issuer Action Code – Default
Description: Settings in the ICC that specify the issuer’s conditions under which a transaction would be rejected if it might have been approved online, but the chip-enabled terminal is unable to process the transaction online
EMV Tag: 9F0D
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
IAC Issuer Action Code – Denial
Description: Settings in the ICC that specify the issuer’s conditions that cause the denial of a transaction without attempting to go online
EMV Tag: 9F0E
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
IAC Issuer Action Code – Online
Description: Settings in the ICC that specify the issuer’s conditions that cause a transaction to be transmitted online
EMV Tag: 9F0F
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
IAD Issuer Application Data
Description: Proprietary application data transmitted to the issuer in an online transaction; must contain, at a minimum, the EMV Tags that were used to calculate the ARQC
EMV Tag: 9F10
Reference: EMVCo Specification, Version 4.3, Book 2, Section 8
ICC Integrated Circuit Card
Description: a card with embedded integrated circuits; also known as a smart card or chip card
EMV Tag: N/A
Reference: This term is not EMV-specific
IEC International Electrotechnical Commission
Description: An international organization that publishes standards for all electrical, electronic, and related technologies
EMV Tag: N/A
Reference: This term is not EMV-specific
IFD Interface Device
Description: The part of the terminal into which the contact ICC is inserted; can also be called the card reader
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 5.4 (Contact)
ISO International Organization for Standards a.k.a. International Standards Organization
Description: International standards-setting body
EMV Tag: N/A
Reference: This term is not EMV-specific
MAC Message Authentication Code
Description: Short piece of data used to verify that the contents of a message have not changed from when it was created by the sender until it was received by the recipient
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 2, Section 9 (this term is not EMV-specific)
PAN Primary Account Number
Description: Unique number used to identify a card; the PAN associated with a specific ICC application is known as the Application PAN
EMV Tag: 5A
Reference: This term is not EMV-specific
PIN Personal Identification Number
Description: A secret numeric password that is used to authenticate the user to a system
EMV Tag: N/A
Reference: This term is not EMV-specific
PIX Proprietary Application Identifier Extension
Description: Second part of the Application ID: used to differentiate between products, programs, or applications offered by a provider or payment system
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 12.2
PKI Public Key Infrastructure
Description: Cryptographic technique which enables users to securely communicate over an insecure connection, and reliably verify the identity of the other party
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 2, Section 10
PSE Payment System Environment
Description: One method used to support application selection
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 12
RFU Reserved for Future Use
Description: Used to indicate a bit or a field is not currently used
EMV Tag: N/A
Reference: This term is not EMV-specific
RID Registered Application Provider Identifier
Description: First part of the Application ID; used to identify a payment system (card scheme) or network, e.g. MasterCard, Visa, Interac, etc.
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 1, Section 12.2
SDA Static Data Authentication
Description: A method of offline data authentication performed between the ICC and the chip-enabled terminal using static data. The cryptogram generated by the ICC provides assurance that the data in the card has not been modified since the card was personalized.
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.3
TAC Terminal Action Code – Default
Description: Settings in the terminal that specify the acquirer’s conditions under which a transaction would be rejected if it might have been approved online, but the chip-enabled terminal is unable to process the transaction online
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
TAC Terminal Action Code – Denial
Description: Settings in the terminal that specify the acquirer’s conditions that cause the denial of a transaction without attempting to go online
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
TAC Terminal Action Code – Online
Description: Settings in the terminal that specify the acquirer’s conditions that cause a transaction to be transmitted online
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 10.7
TC Transaction Certificate
Description: Application Cryptogram generated by the ICC when approving a transaction offline
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Section 9.3
TLV Tag, Length, Value
Description: Represents the format and order of information in an EMV data field (EMV Tag)
EMV Tag: N/A
Reference: EMVCo Specification, Version 4.3, Book 3, Annex B
TSI Transaction Status Information
Description: Indicates whether various functions were performed during the ICC-terminal interaction, e.g. offline data authentication, cardholder verification, card risk management, etc.
EMV Tag: 9B
Reference: EMVCo Specification, Version 4.3, Book 3, Annex C6
TVR Terminal Verification Results
Description: Status of various functions or checks as seen from the terminal’s perspective; e.g. offline data authentication was performed, application was expired, application was not yet effective, new card, SDA/DDA/CDA failed, etc.
EMV Tag: 95
Reference: EMVCo Specification, Version 4.3, Book 3, Annex C5
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Posted in EMV

Author: revisedcode

revisedcode