Hello!

Byte 2: EMV Chip Application

(A Gentle) Introduction to Files & Data
inside Chip

Hi!

https://www.youtube.com/c/LearnPayments
 Disclaimer
• This presentation was prepared was prepared for presenting the

YouTube video ”EMV – Byte 2 – EMV Chip Application – (A Gentle)

Introduction to Files & Data Inside Chip”

• This material is intended for educational/study purposes only and

cannot be copied, published or disseminated without prior approval

from “Learn Payments” channel (learn.payments.2020@gmail.com)

https://www.youtube.com/c/LearnPayments
 Table of Contents

Background EMV File Organization

Bit of Mag-stripe, Records, AEFs, ADFs, DDF
Advantages of EMV

Data Elements

https://www.youtube.com/c/LearnPayments
 Background: Magnetic Stripe

• One Card per Product (per

Account or Scheme product)

• Minimal information storage

• Data format was not flexible

• Can not update after issuance

B4111222233334447^NONAME/CARD ^10252010000789000 4111222233334447=1025201123400007890

Card Number Cardholder Name Exp Dt CVV1 Card Number Exp Dt PVV CVV1
Service Service
Code Code

https://www.youtube.com/c/LearnPayments
Background: Magnetic Stripe (contd.)
• “Card Authentication” means ensure that the card is a “valid” card
• “Cardholder Authentication” means ensuring cardholder is “valid”
• In case of Magnetic stripe,
• Card Authentication is by looks of card

• Cardholder Authentication is always online using PIN or Merchant

verifies the Signature

https://www.youtube.com/c/LearnPayments
 Advantages of EMV
Memory more Flexible File EMV cards are Enhanced Card
>16kb and allowing Organization devised to store authentication using
multiple records grouped by “Files”, multiple products cryptography.
allowed to be “Records” & “Data (account/scheme in Supports intelligent
stored in EMV chip elements” in “BER- the form of Cardholder
Card TLV Format” “Applications”) Authentication

Limited records Rigid standard for Only one card per Restrictive or
(bytes) of Info Data Representation product Dependent Card &
Cardholder
Authentication
methods
https://www.youtube.com/c/LearnPayments
 Section 1:
File Organization

https://www.youtube.com/c/LearnPayments
What is Application?
An Application corresponds to a unique product.
Product here refers to Scheme products

Say if there is a MasterCard Credit card & Maestro debit card.

• MasterCard Credit Card has its own Application &
• Maestro’s Debit Card has its own Application

Applications are referred by it’s AID (Application Identifier).

Say MasterCard Credit Card is “A0000000041010”
Maestro Debit Card is “A0000000043060”

https://www.youtube.com/c/LearnPayments
What is Application?
Application AID has 2 components
• RID (Registered Application Provider Identifier): This is unique to scheme
• PIX (Proprietary Application Identifier Extension): Number that unique identifies products
within schemes

• Say MasterCard has RID = A000000004, Visa = A000000003

Within MasterCard,
Credit/Debit Card has PIX = 1010
Maestro = 3060

MasterCard Credit Card “A0000000041010”

Maestro Debit Card “A0000000043060”
https://www.youtube.com/c/LearnPayments
What is Application?

Application ID & Name on the

payment receipt

https://www.youtube.com/c/LearnPayments
 File Organization: Basics

Master File (Directory)

ADF (Application Definition ADF (Application Definition

File) File)

Record/AEF Record/AEF Record/AEF

Data Data Data Data

Objects Objects Objects Objects Data
Objects

https://www.youtube.com/c/LearnPayments
Point 1: Data elements & Objects
• Data element is smallest piece of information
• Eg: PAN number, Cardholder Name, Track 1, Track 2, Service Code,
Currency Code
• Each Data element is assigned a unique tag
• Every DE is stored in the format of “Tag-Length-Value”. It is called Data
Object
• Example:
• PAN = 5441 2232 9999 8888
• Tag for PAN number is 5A
• Length of PAN is, 16 - when represented in BCD, PAN takes 8 bytes
(54 41 22 32 99 99 88 88)
• So, Data Object is 5Ahttps://www.youtube.com/c/LearnPayments
08 54 41 22 32 99 99 88 88
Point 1.1: Data Elements & Tags

Source: EMV ICC Specifications for Payment Systems Book 3 – Application Specification v4.3
https://www.youtube.com/c/LearnPayments
Point 2: Records/AEF
Multiple data objects forms a Record. This is also referred to as an “AEF –
Application Elementary File”
T L V T L V T L V
Record

Data Data Data

Object 1 Object 2 Object 3
• Example:
9f 1f 18 32 34 39 35 30 30 30 30 30 30 30 30 30 30 30 31 30 31 30 30 30 30 30 30

57 13 54 11 11 88 88 88 88 82 d1 20 32 01 12 34 56 78 90 00 0f
5f 20 1a 53 4d 49 54 48 2f 4a 4f 48 4e 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20

Tag for this Data Element is 9F 1F and length is 24 (BCD 18 = 24)

Track 1 Discretionary Data = 32 34 39 35 30 30 30 30 30 30 30 30 30 30 30 31 30 31 30 30 30 30 30 30

https://www.youtube.com/c/LearnPayments
Point 3: ADF – Application Definition File
ADF (Application Definition File)
• Multiple AEFs grouped together form an ADF
• Every unique Application has an ADF
• Within ADF, each AEF would have a unique SFI (Short File Identifier) with which the AEF
would be addressed

ADF1 AID = A0000000041010 ADF2 AID = A0000000043060

AEF1 SFI = 1 AEF3 SFI = 3

AEF2 SFI = 2

https://www.youtube.com/c/LearnPayments
Point 4: Directory Definition File (DDF)
Directory Definition File
• It’s a directory (index) to all ADFs
• Used to locate the ADF based on the Application ID
• For chip cards this file name should be “1PAY.SYS.DDF01”
AID = A0000000041010 AID = A0000000043060

ADF1 ADF2

ADF1 ADF2
SFI = 3
AEF1 SFI = 1 AEF3

AEF2 SFI = 2
https://www.youtube.com/c/LearnPayments
Section 2: Key Data
Elements

https://www.youtube.com/c/LearnPayments
 Important Data Elements
Cardholder
Application Data Cardholder Data Card Authentication
Authentication
• Application Identifier
• Cardholder Name • Issuer Action Code • CVM List
(AID)
• PAN Number • Signed Static • Offline PIN (Encrypted)
• Application Label
• PAN Sequence Application Data
• Application Preferred
• Service Code
Name
• Track Data
• Application Priority
Indicator
• Issuer Country Code
• Default Currency Code
Misc Data

• Application Transaction
Counter (ATC)
• PIN Try Counter
• CDOL 1 & 2
• PDOL

https://www.youtube.com/c/LearnPayments
What Next in Byte 3?
• Look at EMV Commands & How data gets exchanged between ICC & Terminal
• EMV Transaction Flow

https://www.youtube.com/c/LearnPayments
Thank YOU

https://www.youtube.com/c/LearnPayments