EMV®

Contactless Specifications for

Payment Systems

Book C-5

Kernel 5 Specification

Version 2.7
April 2018

© 2018 EMVCo, LLC. All rights reserved. Reproduction, distribution and other use of this document is permitted only
pursuant to the applicable agreement between the user and EMVCo found at www.emvco.com. EMV® is a
registered trademark or trademark of EMVCo, LLC in the United States and other countries..
EMV Contactless Book C-5
Kernel 5 Spec v2.7

Legal Notice

Unless the user has an applicable separate agreement with EMVCo or with the
applicable payment system, any and all uses of these Specifications is subject to the
terms and conditions of the EMVCo Terms of Use agreement available at
www.emvco.com and the following supplemental terms and conditions.

Except as otherwise may be expressly provided in a separate agreement with

EMVCo, the license granted in the EMVCo Terms of Use specifically excludes (a) the
right to disclose, distribute or publicly display these Specifications or otherwise make
these Specifications available to any third party, and (b) the right to make, use, sell,
offer for sale, or import any software or hardware that practices, in whole or in part,
these Specifications. Further, EMVCo does not grant any right to use the Kernel
Specifications to develop contactless payment applications designed for use on a
Card (or components of such applications). As used in these supplemental terms
and conditions, the term “Card” means a proximity integrated circuit card or other
device containing an integrated circuit chip designed to facilitate contactless payment
transactions. Additionally, a Card may include a contact interface and/or magnetic
stripe used to facilitate payment transactions. To use the Specifications to develop
contactless payment applications designed for use on a Card (or components of such
applications), please contact the applicable payment system. To use the
Specifications to develop or manufacture products, or in any other manner not
provided in the EMVCo Terms of Use, please contact EMVCo.

These Specifications are provided "AS IS" without warranties of any kind, and
EMVCo neither assumes nor accepts any liability for any errors or omissions
contained in these Specifications. EMVCO DISCLAIMS ALL REPRESENTATIONS
AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, TITLE AND NON-INFRINGEMENT, AS TO THESE SPECIFICATIONS.

EMVCo makes no representations or warranties with respect to intellectual property

rights of any third parties in or in relation to the Specifications. EMVCo undertakes no
responsibility to determine whether any implementation of these Specifications may
violate, infringe, or otherwise exercise the patent, copyright, trademark, trade secret,
know-how, or other intellectual property rights of third parties, and thus any person
who implements any part of these Specifications should consult an intellectual
property attorney before any such implementation.

Without limiting the foregoing, the Specifications may provide for the use of public key
encryption and other technology, which may be the subject matter of patents in
several countries. Any party seeking to implement these Specifications is solely
responsible for determining whether its activities require a license to any such
technology, including for patents on public key encryption technology. EMVCo shall
not be liable under any theory for any party's infringement of any intellectual property
rights in connection with these Specifications.

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

Revision History

No. Revision Date Chapter Contents of Revision

1 April 2018 3.4 Clarified the Kernel behaviour for handling unknown tag.

Clarified data elements to be checked in Requirement

2 April 2018 3.4.1
3.4.1.3

3 April 2018 3.8.2 Removed footnote in Requirement 3.8.2.1.

Clarfied TVR data handling after requesting GAC

4 April 2018 3.10.1
command in Requirement 3.10.1.4

5 April 2018 3.14.6 Changed sequence of requirements for correction.

Added “Device Information”, “Last 4 digits of PAN”,

6 April 2018 Annex B “Payment Account Reference” and “Token Requestor
ID” to Data Elements Dictionary.

10

11

12

13

14

15

16

17

18

19

20

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

Contents
1 Introduction ........................................................................................................ 1
1.1 Scope.......................................................................................................... 1
1.2 Audience ..................................................................................................... 1
1.3 Volumes of the Contactless Specifications .................................................. 1
1.4 Reference Materials .................................................................................... 1
1.5 Overview ..................................................................................................... 2
1.6 Conventions ................................................................................................ 3
1.7 Terminology ................................................................................................ 3
2 Overview of the Kernel 5 Approach .................................................................. 4
2.1 Three Transaction Modes ........................................................................... 4
2.1.1 EMV Mode ....................................................................................... 4
2.1.2 Magstripe Mode ............................................................................... 5
2.1.3 Legacy Mode ................................................................................... 5
2.2 Transaction Processing ............................................................................... 6
2.3 High Level Transaction Flow ....................................................................... 8
2.4 Implementation Options and Acquirer Options .......................................... 10
2.4.1 Implementation Options ................................................................. 10
2.4.2 Acquirer Options ............................................................................ 11
3 Transaction Processing .................................................................................. 13
3.1 Kernel Activation ....................................................................................... 13
3.2 Transaction Initialisation ............................................................................ 19
3.3 Initiate Application Processing................................................................... 22
3.4 Read Application Data............................................................................... 24
3.5 Terminal Risk Management....................................................................... 26
3.5.1 Contactless Limit Check ................................................................ 26
3.5.2 CVM Required Limit Check............................................................ 26
3.5.3 Floor Limit Check ........................................................................... 27
3.5.4 Random Transaction Selection ...................................................... 27
3.5.5 Exception File Check ..................................................................... 28
3.6 Processing Restrictions ............................................................................. 29
3.6.1 Application Usage Control Check .................................................. 29
3.6.2 Application Expiration Date Check ................................................. 29
3.6.3 Application Effective Date Check ................................................... 30
3.7 Terminal Action Analysis ........................................................................... 31
3.8 Completion – EMV Mode .......................................................................... 33
3.8.1 GENERATE AC Command............................................................ 33
3.8.2 Offline Data Authentication ............................................................ 36
3.8.3 CVM Processing ............................................................................ 36

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

3.8.4 Transaction Outcome ....................................................................38

3.9 Completion – Magstripe Mode ...................................................................41
3.9.1 GET MAGSTRIPE DATA Command..............................................41
3.9.2 CVM Processing ............................................................................43
3.9.3 Transaction Outcome ....................................................................44
3.10 Completion – Legacy Mode .......................................................................46
3.10.1 GENERATE AC Command ............................................................46
3.10.2 CVM Processing ............................................................................47
3.10.3 Online Request Outcome...............................................................48
3.11 Issuer Update Processing .........................................................................49
3.11.1 Issuer Update Initialisation .............................................................49
3.11.2 Critical Script Processing ...............................................................50
3.11.3 Second GENERATE AC Command ...............................................51
3.11.4 Transaction Outcome ....................................................................53
3.11.5 Non-critical Script Processing ........................................................54
3.12 Error Handling ...........................................................................................56
3.12.1 Processing Errors ..........................................................................56
3.12.2 Communication Errors ...................................................................56
3.12.3 Transaction Cancellation ...............................................................58
3.13 Transaction Outcomes ..............................................................................59
3.13.1 Approved .......................................................................................59
3.13.2 Online Request ..............................................................................61
3.13.3 Online Request (“Two Presentments”) ...........................................63
3.13.4 Online Request (“Present and Hold”) .............................................65
3.13.5 Declined ........................................................................................67
3.13.6 Try Another Interface .....................................................................68
3.13.7 End Application ..............................................................................69
3.13.8 End Application (with restart – communication error) .....................70
3.13.9 End Application (with restart - On-Device CVM) ............................71
3.13.10 Select Next ...............................................................................72
3.14 Torn Transaction Recovery .......................................................................73
3.14.1 SELECT Response Analysis .........................................................75
3.14.2 ECHO Command ...........................................................................75
3.14.3 Transaction Initialisation ................................................................76
3.14.4 Initiate Application Processing .......................................................76
3.14.5 Read Application Data ...................................................................77
3.14.6 Transaction Recovery Completion .................................................78
3.14.7 Reset Recovery Context ................................................................78
4 APDU command description ...........................................................................80
4.1 ECHO .......................................................................................................81
4.2 First GENERATE APPLICATION CRYPTOGRAM ....................................83

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

4.3 Second GENERATE APPLICATION CRYPTOGRAM ............................... 86

4.4 GET MAGSTRIPE DATA .......................................................................... 88
4.5 GET PROCESSING OPTIONS ................................................................. 90
4.6 READ RECORD........................................................................................ 92
4.7 SELECT .................................................................................................... 93

Figures
Figure 2-1: High-Level Sample Transaction Flow...................................................... 9
Figure 3-1 – Overview of the Recovery Transaction Flow ........................................ 74

Tables
Table 1-1: Conventions used for data format ............................................................. 3
Table 1-2: Terminology .............................................................................................. 3
Table 3-1: Static Configuration Parameters ............................................................ 14
Table 3-2: Dynamic Transaction Parameters .......................................................... 17
Table 4-1: List of APDU commands used by the Kernel.......................................... 80
Table 4-2: ECHO Command Message.................................................................... 81
Table 4-3: EMV Mode - Data Objects Included in Response to First GENERATE AC
for [TC returned] or [ARQC returned, CDA requested] .......................... 83
Table 4-4: EMV Mode - Data Objects Included in Response to First GENERATE AC
for [ARQC returned, CDA not requested] .............................................. 84
Table 4-5: EMV Mode - Data Objects Included in Response to First GENERATE AC
for [AAC returned] ................................................................................. 84
Table 4-6: Data Objects Included in Response to Second GENERATE AC ............. 86
Table 4-7: GET MAGSTRIPE DATA Command Message ...................................... 88
Table 4-8: Data Objects Included in Response to GET MAGSTRIPE DATA ........... 89
Table 4-9: Data Objects Included in Response to GET PROCESSING OPTIONS.. 91
Table A-1: Application Interchange Profile .............................................................. 94
Table A-2: Cardholder Verification Status ............................................................... 95
Table A-3: Combination Options ............................................................................. 96
Table A-4: CVM Results ......................................................................................... 97
Table A-5: Setting of CVM Results ......................................................................... 98
Table A-6: Issuer Update Parameter........................................................................ 99
Table A-7: Terminal Compatibility Indicator........................................................... 100
Table A-8: Terminal Interchange Profile ................................................................ 101
Table B-1: Data Elements Dictionary .................................................................... 102
Table C-1: Minimum Data Elements returned as Transaction Record ................... 115
Table D-1: Default Terminal Action Code values .................................................. 117

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

Requirements
Requirement – Static Configuration Parameters ......................................................13
Requirement – Dynamic Transaction Parameters ....................................................13
Requirement – Recovering from Torn EMV Transaction ..........................................19
Requirement – Transaction continuation ..................................................................19
Requirement – SELECT response analysis .............................................................20
Requirement – Variable Initialisation ........................................................................20
Requirement – Terminal Compatibility Indicator .......................................................20
Requirement – Terminal Interchange Profile ............................................................21
Requirement – Legacy Mode Detection ...................................................................21
Requirement – PDOL Processing and GPO Command ...........................................22
Requirement – GPO Response Analysis .................................................................22
Requirement – Reading Records .............................................................................24
Requirement – Presence of Mandatory Data Elements............................................24
Requirement – Contactless Limit Check ..................................................................26
Requirement – CVM Required Limit Check ..............................................................26
Requirement – Floor Limit Check .............................................................................27
Requirement – Random Transaction Selection ........................................................27
Requirement – Exception File Check .......................................................................28
Requirement – Application Usage Control ...............................................................29
Requirement – Application Expiration Date ..............................................................29
Requirement – Application Effective Date ................................................................30
Requirements – Terminal Action Analysis ................................................................31
Requirement – Terminal Action Analysis Completion ...............................................32
Requirement – CDOL1 Processing ..........................................................................33
Requirement – GENERATE AC ...............................................................................33
Requirement – GENERATE AC Response Analysis ................................................34
Requirement – Card Removal..................................................................................36
Requirement – CDA Signature Verification ..............................................................36
Requirement – CVM Evaluation ...............................................................................37
Requirement – CVM Consistency Check .................................................................38
Requirement – Transaction Outcome ......................................................................38
Requirement – MDOL Processing ...........................................................................41
Requirement – GET MAGSTRIPE DATA command ................................................42
Requirement – GET MAGSTRIPE DATA Response Analysis ..................................42
Requirement – CVM Evaluation ...............................................................................44
Requirement – CVM Consistency Check .................................................................44
Requirement – Transaction Outcome ......................................................................45
Requirement – CDOL1 Processing ..........................................................................46
Requirement – GENERATE AC ...............................................................................46
Requirement – CVM Required Check ......................................................................47

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

Requirement – CVM Evaluation ............................................................................... 48

Requirement – Online Request Outcome ................................................................ 48
Requirement – SELECT response analysis ............................................................. 49
Requirement – Critical Script Processing ................................................................. 50
Requirement – Critical Script Processing Completion .............................................. 51
Requirement – CDOL2 Processing .......................................................................... 52
Requirement – GENERATE AC ............................................................................... 52
Requirement – GENERATE AC Response Analysis ................................................ 53
Requirement – Transaction Outcome ...................................................................... 53
Requirement – Non-critical Script Processing .......................................................... 55
Requirement – Non-critical Script Processing Completion ....................................... 55
Requirements – Processing Errors - Default ............................................................ 56
Requirement – Communication Errors – General .................................................... 56
Requirement – Communication Errors – First GENERATE AC ................................ 57
Requirement – Communication Errors – Issuer Updates ......................................... 57
Requirement – Transaction cancellation by Reader ................................................. 58
Requirement – Approved Outcome .......................................................................... 59
Requirement – Online Request Outcome ................................................................ 61
Requirement – Online Request Outcome (“Two Presentments”) ............................. 63
Requirement – Online Request Outcome (“Present and Hold”)................................ 65
Requirement – Declined Outcome ........................................................................... 67
Requirement – Try Another Interface Outcome........................................................ 68
Requirement – End Application................................................................................ 69
Requirement – Communication Errors ..................................................................... 70
Requirement – On-Device CVM to be Performed .................................................... 71
Requirement – Select Next ...................................................................................... 72
Requirement – SELECT Response Analysis ........................................................... 75
Requirement – ECHO Command............................................................................. 75
Requirement – Transaction Initialisation .................................................................. 76
Requirement – Initiate Application ........................................................................... 76
Requirement – Magstripe Mode Filtering ................................................................. 77
Requirement – Read Application Data ..................................................................... 77
Requirement – Account Data Verification ................................................................ 78
Requirement – Transaction Recovery Completion ................................................... 78
Requirement – Reset Recovery Context .................................................................. 79

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

1 Introduction
This chapter contains information that helps the reader understand and use this
specification.

1.1 Scope
This document, the EMV Contactless Specifications for Payment Systems, Kernel 5
Specification, describes one of several Kernels defined for use with Entry Point.

1.2 Audience
This specification is intended for use by system designers in payment systems and
financial institution staff responsible for implementing financial applications.

1.3 Volumes of the Contactless Specifications

This specification is part of a multi-volume set:
Book A: Architecture and General Requirements
Book B: Entry Point Specification
Book C-n: Kernel Specifications
Book D: Contactless Communication Protocol

1.4 Reference Materials

The following specifications and standards contain provisions that are referenced in
this specification. The latest version shall apply unless a publication date is explicitly
stated.
If any provision or definition in this specification differs from those in the listed
specifications and standards, the provision or definition herein shall take precedence.

[EMV] EMV Integrated Circuit Card Specifications for Payment

Systems, including:

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EMV Contactless Book C-5 1 Introduction
Kernel 5 Spec version 2.7 1.5 Overview

[EMV Book 1] EMV Integrated Circuit Card Specifications for Payment

Systems, Book 1, Application Independent ICC to
Terminal Interface Requirements

[EMV Book 2] EMV Integrated Circuit Card Specifications for Payment

Systems, Book 2, Security and Key Management

[EMV Book 3] EMV Integrated Circuit Card Specifications for Payment

Systems, Book 3, Application Specification

[EMV Book 4] EMV Integrated Circuit Card Specifications for Payment

Systems, Book 4, Cardholder, Attendant, and Acquirer
Interface Requirements

1.5 Overview
This volume includes the following chapters and annexes:
Chapter 1 contains general information that helps the reader understand and use
this specification.
Chapter 2 provides an overview of the Kernel 5 approach, including
implementation/acquirer options and a high level transaction flow description.
Chapter 3 specifies transaction processing for Kernel 5.
Chapter 4 lists and describes the APDU commands used by Kernel 5.
Annex A defines data elements that are specific to Kernel 5
Annex B is a dictionary of data elements used by Kernel 5 during the transaction
processing.
Annex C lists data elements that are required in the transaction record for approved,
declined, and online requested transactions.
Annex D defines the default Terminal Action Codes used by Kernel 5.
Annex E is a glossary of terms and abbreviations used in this specification.

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EMV Contactless Book C-5 1 Introduction
Kernel 5 Spec version 2.7 1.6 Conventions

1.6 Conventions
Table 1-1: Conventions used for data format

Convention Meaning
a Alphabetic
an Alphanumeric
ans Alphanumeric Special
b Binary
cn Compressed Numeric
n Numeric
Numeric value of y digits (Example n 12 means 12 digits numeric
ny
value)
YYMMDD Year, Month, Day
x Numeric value in decimal
‘x’ Numeric value in hexadecimal
“abc” Data string
Var. Variable value

For data elements which have multiple bytes in this specification, the first byte or byte
1 is the leftmost byte, while the last byte is the rightmost byte.

1.7 Terminology
Table 1-2: Terminology

Terminology Meaning
Shall, must, “is
Denotes a mandatory requirement
mandatory”
Should, may,
can, “is Denotes an optional requirement
optional”
if test_condition
then Denotes a conditional test action, action_true is performed when
action_true test_condition result is true, action_false is performed when
else test_condition result is false
action_false
and Logical AND which connects two conditional tests
or Logical OR which connects two conditional tests
= Logical comparison of two values
N/A Not applicable

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

2 Overview of the Kernel 5 Approach

This section is a high-level description of Kernel 5 features, capabilities, and
processes. Further details about the Transaction Flow and its implementation can be
found in Section 3.
Vendors should check requirements of payment systems for each market deployed.
Please contact icsupport@info.jcb.co.jp for detailed JCB terminal requirements.

2.1 Three Transaction Modes

Kernel 5 is designed for acceptance of contactless cards in both Chip grade and
Magstripe grade environments.
For every implementation, Kernel 5 must always support Magstripe Mode, while
support of EMV Mode and/or Legacy Mode is optional.

2.1.1 EMV Mode

EMV Mode is designed for chip grade payment infrastructures.
The support of EMV Mode is optional, both on the card side (Issuer) and on the
Kernel side (Acquirer). The card will select to conduct the transaction in EMV Mode
when both the card and the Kernel support it.
The EMV Mode has many similarities with the transaction flow designed for contact
EMV chips and defined in [EMV]. It is however simplified and adapted for contactless
ergonomics. Here are the main features:
• Online/offline capability: EMV Mode transactions can be completed either
online or offline. When completed online, the card is normally not informed
about the final transaction outcome.
• Offline Data Authentication: The kernel shall support CDA when EMV Mode
is supported and at least one of the conditions below is fulfilled:
o the Kernel is offline-capable;
o the Kernel is installed in a transit reader (where Cardholder
Verification is bypassed);
o the Kernel accepts On-Device CVM verification.
Other data authentication methods (SDA, DDA) are not supported.

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.1 Three Transaction Modes

• Online Data Authentication: An ARQC cryptogram is generated by the card

and verified by the Issuer host system.
• Cardholder Verification: The card determines the CVM requirement based
on issuer preference and acquirer requirement and the Kernel performs the
selected CVM.

2.1.2 Magstripe Mode

Magstripe Mode is designed for magstripe grade payment infrastructures.
The support of Magstripe Mode is mandatory. Here are the main features:
• Online/offline capability: Other than exceptional cases where the
transaction can be declined offline, Magstripe Mode transactions are always
authorised online. The card is not informed about the Issuer’s decision.
• Offline Data Authentication: N/A
• Online Data Authentication: Issuer verifies the Card Authentication Value
(CAV) included in the Track 2 Equivalent Data provided by the card.
Depending on the option chosen by the Issuer, this value may be static or
dynamic.
• Cardholder Verification: The card determines the CVM requirement based
on issuer preference and acquirer requirement and the Kernel performs the
selected CVM.If the card does not indicate any CVM requirement, the reader
may apply its own CVM policy.

2.1.3 Legacy Mode

Legacy Mode is available for chip grade acquirers to satisfy specific market
requirements. Please refer to payment system rules for further details. Here are the
main features:
• Online/offline capability: Legacy Mode transactions are always authorised
online. The card is not informed about the final transaction outcome.
• Offline Data Authentication: N/A
• Online Data Authentication: An ARQC cryptogram is generated by the card
and verified by the Issuer host system
• Cardholder Verification: If the amount exceeds the CVM Required Limit, the
Kernel analyses the CVM List from the card to determine the CVM
requirement.

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.2 Transaction Processing

2.2 Transaction Processing

The transaction processing is summarised below.

1. Entry Point activates the Kernel to process the transaction. The reader
provides transaction data and the relevant configuration parameters to the
Kernel.
a. Based on the card response to the SELECT (DF Name) command,
the Kernel can determine whether it is a legacy card or not.
2. The Kernel sends the GET PROCESSING OPTIONS command to the card to
initialise the card application.
a. Card returns the Application Interchange Profile (AIP) and the
Application File Locator (AFL).
b. For non-legacy cards, the card response enables to detect whether
the card has selected the EMV or the Magstripe Mode.
3. The Kernel reads the card data as indicated by the AFL.
4. The Kernel performs Terminal Risk Management, which consists of several
verifications:
a. Contactless Limit Check
b. CVM Limit Check
c. Floor Limit Check (EMV Mode only)
d. Random Transaction Selection (EMV Mode only)
e. Exception File Check (option only applying to EMV Mode)
These verifications update the Terminal Verification Results (TVR).
5. The Kernel performs Processing Restrictions, which consists of several
verifications:
a. Application Usage Control (EMV Mode only)
b. Application Expiration Date (EMV/Legacy Mode only)
c. Application Effective Date (EMV/Legacy Mode only)
These verifications update the Terminal Verification Results (TVR).
6. Based on the TVR value, as well as Terminal Action Codes (TAC) and Issuer
Action Codes (IAC), the Kernel computes the first transaction outcome.
a. If the outcome is a Decline, the transaction is declined offline and the
Kernel provides a Declined Outcome to the Entry Point.

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.2 Transaction Processing

b. In the case of Legacy Mode and Magstripe Mode, unless the payment
application declines the transaction, then the outcome is Online
Authorisation.
7. The Kernel then completes the transaction in the following steps:
a) If the transaction is in EMV Mode:
• The Kernel issues a GENERATE AC command including Combined
Data Authentication (CDA) request when supported.
• If the card approves or sends the transaction for authorisation
(TC/ARQC), the card response includes a CDA signature (if requested
by the Kernel) as well as the decision of the card regarding the
Cardholder Verification Method (CVM) to be applied.
• The Kernel verifies the CDA signature (if any) and if valid, executes
the card decision (TC/ARQC) and CVM policy.The Kernel then
provides an Approved or Online Request Outcome corresponding to
the decision for this transaction to the Entry Point.
b) If the transaction is in Magstripe Mode:
• The Kernel issues a GET MAGSTRIPE DATA command.
• The card returns the Track 2 Data (containing the card CVM policy in
its discretionary data).
• The Kernel executes the card CVM policy and provides (when
applicable) an Online Request to the Entry Point for this transaction
for online authorisation.
c) If the transaction is in Legacy Mode:
• The Kernel issues a GENERATE AC command requesting an online
authorisation (ARQC) without CDA.
• The card returns the ARQC cryptogram.
• If the CVM Required Limit is exceeded, the Kernel analyses the CVM
list from the card to find an appropriate method.
• The Kernel provides an Online Request Outcome to the Entry Point
for this transaction for online authorisation.
8. Optionally, if the transaction is in EMV Mode and the Transaction Outcome is
Online Request, the reader may reactivate the Kernel when the online
response from the Issuer contains any information. At this point, the card may
still be in the field (e.g. “present-and-hold”) or requested to be presented
again (e.g. “two presentments”).

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.3 High Level Transaction Flow

• For “present-and-hold”: when returning the ARQC cryptogram, the card

informs simultaneously the Kernel that it must be maintained in the
contactless field during the online authorisation. After receiving the online
response, Issuer Scripts and/or Issuer Authentication Data can be
transmitted to the card.
• For “two presentments”: when returning the ARQC cryptogram, the card
informs simultaneously the Kernel that it supports a second presentment.
After receiving the online response, the cardholder is asked by Entry Point
to present the card again, and Issuer Scripts and/or Issuer Authentication
Data can be transmitted to the card.

2.3 High Level Transaction Flow

Figure 2-1 below illustrates the high level transaction flow of Kernel 5.
The purpose is to provide a summarised overview of the normal Kernel 5 processing
and is not prescriptive. Note that specific processes like Transaction Recovery or
Issuer Update are not represented in this figure which features only a nominal
transaction flow.
Details about each step of the transaction can be found in Section 3.

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.3 High Level Transaction Flow

Figure 2-1: High-Level Sample Transaction Flow

Transaction Flow

Discovery SELECT (PPSE)

Process handled
by Application
Selection Engine
SELECT (J/Smart-CL)

Legacy
Legacy
Yes mode No Select Next
Card?
supported?

Yes

GET PROCESSING OPTIONS (Card exception)

READ RECORD(s) (Card exception)

Terminal Risk Management:

- Contactless Limit Check
- CVM Limit Check
- Floor Limit Check
- Random Selection
- Exception File Check

Processing Restrictions
- Application Usage Control
- Application Expiration Date
- Application Effective Date

Legacy Mode, EMV/Legacy Mode,

Online
Terminal Action Analysis Declined
Declined

Magstripe
Mode EMV Mode, Approved/Online AAC

End
GENERATE AC (ARQC) GET MAGSTRIPE DATA Application GENERATE AC (CDA)
NOK
(1st tap)
TC/ARQC
CARD REMOVAL
Decline
Online

CDA Verification

CVM Process CVM Process CVM Process

(Legacy Mode) (Magstripe Mode) (EMV Mode)

TC

Online
ARQC Approved
Request

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.4 Implementation Options and Acquirer Options

2.4 Implementation Options and Acquirer Options

2.4.1 Implementation Options

The provider of Kernel 5 will choose whether to support or not the following options in
the Kernel 5 implementation:
• EMV Mode:
o This implementation option enables support of Transaction Mode that
processes chip data.
o Kernel 5 implementations aimed at being deployed in Chip grade
markets must support it.
o Kernel 5 implementations dedicated to Magstripe grade markets need
not support this implementation option.
• Legacy Mode:
o This implementation option enables support of Transaction Mode that
processes chip data, namely Legacy Mode.
o Kernel 5 implementations dedicated to Magstripe grade markets may
not support this implementation option.
o Legacy mode implementation may be required to satisfy specific
market requirements.
• Offline Data Authentication
o This implementation option enables support of CDA to authenticate
the card. It can be supported only if EMV Mode is supported.
o Kernel 5 implementations for offline-capable readers, transit readers,
or readers accepting One-Device CVM must support this option.
• Exception File Check:
o This implementation option enables Kernel 5 to check during the
transaction whether the card appears in the Acquirer Exception File.
o Exception File Check option can be supported only if EMV Mode is
supported.
o The exact implementation of this option is left at the discretion of the
implementer. It may, for instance, take advantage of the Data
Exchange mechanism described in Book A.

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.4 Implementation Options and Acquirer Options

• Issuer Update
o This implementation option enables to convey EMV data (Issuer
Authentication Data and/or Issuer Scripts, optionally present in the
Authorisation Response Message) to the contactless card, upon
completion of the Authorisation process.
o An Issuer Update may be transmitted to the card in one of two forms:
either as a single presentment of the card (i.e. card remains in the
contactless field while the authorisation process is ongoing), or as a
second presentment of the card after the authorisation. Readers
supporting Issuer Update must support both ergonomics, as the
choice is indicated by the card.
o Issuer Update option can be supported only if EMV Mode is supported.

2.4.2 Acquirer Options

In addition to the Implementation Options – which define the features for a specific
Kernel 5 implementation, the Acquirer may also choose to support from these
implemented features for deployment. The Acquirer Options are defined below:
Acquirer Options are parameterised in the Combination Options parameter (see
Annex A.3) or in the static Terminal Interchange Profile (see Annex A.7) for each
supported Reader Combination.
• EMV Mode
o This option enables the EMV Mode flow for the associated Reader
Combination
o The option is available only if EMV Mode is supported as
implementation option
• Legacy Mode
o This option enables the Legacy Mode flow for the associated Reader
Combination
o The option is available only if Legacy Mode is supported as
implementation option
• Offline Data Authentication
o This option activates CDA for EMV Mode. The option shall be
activated if any of the conditions below is true:
▪ the reader is offline-capable
▪ the reader is a transit reader as configured in the Terminal
Interchange Profile (see Section A.7)

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EMV Contactless Book C-5 2 Overview of the Kernel 5 Approach
Kernel 5 Spec version 2.7 2.4 Implementation Options and Acquirer Options

▪ the reader accepts “On-Device CVM” as a Cardholder

Verification Method in the Terminal Interchange Profile (see
Section A.7)
o The option is available only if Offline Data Authentication
(implementation option) and EMV Mode (acquirer option) are
supported.
• Exception File Check
o This option activates the Acquirer Exception File Check during the
transaction
o The option is available only if Exception File Check (implementation
option) and EMV Mode (acquirer option) are supported.
• Random Transaction Selection
o This option activates Random Transaction Selection during Terminal
Risk Management
o The option is available only if EMV Mode is supported as
implementation option
• Issuer Update
o This option enables to convey EMV data (Issuer Authentication Data
and/or Issuer Scripts, optionally present in the Authorisation Response
Message) to the contactless card, upon completion of the
Authorisation process.
o The option is available only if Issuer Update (implementation option)
and EMV Mode (acquirer option) are supported.

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EMV Contactless Book C-5
Kernel 5 Spec v2.7

3 Transaction Processing
This chapter provides detailed transaction processing requirements for Kernel 5
including information related to EMV functions.

3.1 Kernel Activation

When activated, Kernel 5 requires certain data elements to be available in order to
process the transaction.
A data element or flag may be:
• Static (Configuration parameter): The value of this data is persistent from one
transaction to the next (See Table 3-1). Updates of the values are exceptional
and always outside the scope of Kernel 5 processing. A static data element may
be set:
o per POS System (e.g. Terminal Country Code), or
o per RID (e.g. CAPK key), or
o per AID (e.g. static Terminal Interchange Profile)
• Dynamic (Transaction parameter): Per transaction, e.g. Amount, Authorised
(Numeric) and Unpredictable Number (See Table 3-2).

Requirement – Static Configuration Parameters

3.1.1.1 When the Kernel is activated, the reader shall provide to the
Kernel the Configuration Data (see Table 3-1) associated with the
selected Combination.

Requirement – Dynamic Transaction Parameters

3.1.1.2 When the Kernel is activated, the reader shall provide to the
Kernel:
• The Dynamic Transaction Parameters (see Table 3-2);
• FCI received from the card as per section 3.4 in [EMV CL
Book B] (when applicable).

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.1 Kernel Activation

Table 3-1: Static Configuration Parameters

Varies Length
Name Description Presence1 Format Specified Tag
by (bytes)
Combination Defines some acquirer options for the Kernel 5
AID M b - 2
Options combination, e.g. modes supported See A.3
Used in Kernel 5 Terminal Risk Management
Contactless Floor (EMV Mode only). Present if the Combination
AID C n12 Kernel 5 - 6
Limit supports Floor Limit Check or Random
Transaction Selection.
Contactless
Used in Kernel 5 Terminal Risk Management AID O n12 Kernel 5 - 6
Transaction Limit

CVM Required Limit Used in Kernel 5 Terminal Risk Management AID O n12 Kernel 5 - 6
Maximum Target
Percentage to be Present if the Combination supports Random
AID C n2 EMV - 1
Used for Biased Transaction Selection (EMV Mode only)
Random Selection
Present if the Combination supports Issuer
Update as Acquirer Option (EMV Mode only).
In case of Online Request with “Present and
Removal Timeout Hold” outcome, this parameter corresponds to the AID C n4 Kernel - 2
time after which cardholder is asked to remove
the card.
Value is given in units of 100ms.

1 M = mandatory ; C = conditional ; O = optional

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.1 Kernel Activation

Varies Length
Name Description Presence1 Format Specified Tag
by (bytes)
Target Percentage
to be Used for Present if the Combination supports Random
AID C n2 EMV - 1
Biased Random Transaction Selection (EMV Mode only)
Selection
Terminal Action Used in Kernel 5 Terminal Action Analysis (EMV
AID O b EMV - 5
Code - Default Mode only)
Terminal Action
Used in Kernel 5 Terminal Action Analysis AID O b EMV - 5
Code - Denial
Terminal Action Used in Kernel 5 Terminal Action Analysis (EMV
AID O b EMV - 5
Code - Online Mode only)
Terminal Defines the Cardholder Verification Methods and
Kernel 5
Interchange Profile other reader capabilities (online capability, AID M b - 3
See A.5
(static) contact EMV capability) for the Combination
Threshold Value for
Present if the Combination supports Random
Biased Random AID C n12 EMV - 6
Transaction Selection (EMV Mode only)
Selection
Uniquely identifies the acquirer within each
Acquirer Identifier POS M n 6-11 EMV ‘9F01’ 6
payment system
Classifies the type of business being done by the
Merchant Category
merchant, represented according to ISO POS O n4 EMV '9F15' 2
Code
8583:1993 for Card Acceptor Business Code
Merchant Name
Indicates the name and location of the merchant POS M ans EMV '9F4E' var.
and Location
Terminal Country Indicates the country of the terminal, represented
POS M n3 EMV '9F1A' 2
Code according to ISO 3166. Requested in CDOL1.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.1 Kernel Activation

Varies Length
Name Description Presence1 Format Specified Tag
by (bytes)
Indicates the environment of the terminal, its
Terminal Type communications capability, and its operational POS M n2 EMV '9F35' 1
control
Transaction Indicates the currency code of the transaction
POS M n3 EMV '5F2A' 2
Currency Code according to ISO 4217. Requested in CDOL1.
Indicates the implied position of the decimal point
Transaction from the right of the transaction amount
POS M n1 EMV ‘5F36’ 1
Currency Exponent represented according to ISO 4217. Required to
determine if Status Check is requested.
Present (up to 6 different instances) if Offline
Data Authentication is supported for at least one
of the Combinations with this RID (EMV Mode
only).
Certification Each CA Public Key in the list is composed of the
RID C b EMV - var.
Authority Public Key following mandatory fields:
- CAPK Index (b, 1 byte)
- CAPK Modulus (b, max. 248 bytes)
- CAPK Exponent (b, 1 or 3 bytes)
- CAPK SHA-1 Checksum (b, 20 bytes)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.1 Kernel Activation

Table 3-2: Dynamic Transaction Parameters

Length
Name Description Presence2 Format Specified Tag
(bytes)
Amount, Authorised Authorised amount of the transaction.
M n12 EMV '9F02' 6
(Numeric) Requested in CDOL1.
Secondary amount associated with the
Amount, Other
transaction representing a cashback amount. M n12 EMV '9F03' 6
(Numeric)
Requested in CDOL1.
Authorisation Code that defines the disposition of a
Response Code message. ARC must be present if the Kernel is C an2 EMV ‘8A’ 2
(ARC) restarted after an Online Request Outcome.
Issuer Authentication Data sent to the card for online issuer
O b EMV ‘91’ 8-16
Data authentication
Contains proprietary issuer data for
transmission to the card before the second Var.
Issuer Script
GENERATE AC command. Several O b EMV ‘71’ max.
Template 1
occurrences of this data element may be 128
present.
Contains proprietary issuer data for
transmission to the dard after the second Var.
Issuer Script
GENERATE AC command. Several O b EMV ‘72’ max.
Template 2
occurrences of this data element may be 128
present.
Local date that the transaction was authorised.
Transaction Date M n6 EMV '9A' 3
Requested in CDOL1.

2 M = mandatory ; C = conditional ; O = optional

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.1 Kernel Activation

Length
Name Description Presence2 Format Specified Tag
(bytes)
Local time that the transaction was authorised.
Transaction Time M n6 EMV ‘9F21’ 3
Possibly requested in CDOL1.
Indicates the type of financial transaction,
represented by the first two digits of the ISO
8583:1987 Processing Code. Requested in
CDOL1. Possible values are:
Transaction Type M n2 EMV '9C' 1
- '00' for a purchase transaction
- ‘01’ for a cash advance transaction
- ‘09’ for a purchase with cashback
- ‘20’ for a refund transaction
Value to provide variability and uniqueness to
Unpredictable
the generation of a cryptogram. Requested in M b EMV '9F37' 4
Number
CDOL1.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.2 Transaction Initialisation

3.2 Transaction Initialisation

During Transaction Initialisation, Kernel 5 initialises internal variables and performs
verifications.

Requirement – Recovering from Torn EMV Transaction

3.2.1.1 If the Kernel internal variable ‘Recovering from Torn EMV

Transaction’ has value TRUE,
Then the Kernel shall proceed with Torn Transaction Recovery as
described in section 3.14.
Otherwise the Kernel shall proceed with Requirement 3.2.1.2.

Requirement – Transaction continuation

3.2.1.2 If Authorisation Response Code (tag ‘8A’) is present in the Dynamic

Transaction Parameters (see Table 3-2),
Then the Kernel shall proceed with Requirement 3.2.1.3.
Otherwise the Kernel shall proceed with Requirement3.2.1.4.

3.2.1.3 If any of the following is present in the Dynamic Transaction

Parameters (see Table 3-2),
- Issuer Authentication Data (‘91’)
- At least one occurrence of Issuer Script Template 1 (‘71’)
- At least one occurrence of Issuer Script Template 2 (‘72’)
Then the Kernel shall restore transaction data from Online
Transaction Context and proceed with Issuer Update Processing,
as described in section 3.11.
Otherwise the Kernel shall provide an End Application outcome as
described in section 3.13.7.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.2 Transaction Initialisation

Requirement – SELECT response analysis

3.2.1.4 If the FCI is absent,

Or if the FCI is not parsed correctly (see table 45 in [EMV Book 1]),
Or if the PDOL data element is absent, or present but empty
Then the Kernel shall terminate the transaction and provide a Select
Next Outcome as described in Section 3.13.10.

Requirement – Variable Initialisation

3.2.1.5 The Kernel shall reset the following data elements:

• Terminal Verification Results (Tag ‘95’) to ’00 00 00 00 00’
• Terminal Compatibility Indicator (Tag ’9F52’) to ‘01’,
indicating that Magstripe Mode is supported

3.2.1.6 The Kernel shall reset the following internal variables:

• Online Transaction Context
• Transaction Mode to ‘Undefined Mode’

Requirement – Terminal Compatibility Indicator

3.2.1.7 If the Kernel supports EMV Mode (Implementation Option)

And the Combination Options Byte 1 Bit 2 is set to 1b (‘EMV Mode
Supported’) for the selected Combination,
Then bit 2 (‘EMV Mode Supported’) shall be set to ‘1’ in Terminal
Compatibility Indicator (Tag ’9F52’).

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.2 Transaction Initialisation

Requirement – Terminal Interchange Profile

3.2.1.8 The Kernel shall initialise a dynamic Terminal Interchange Profile

(Tag ’9F53’) from the value of the static Terminal Interchange
Profile (static configuration parameter – no tag) and perform the
following:
• Clear Byte 1 Bit 8 ("CVM required by reader").
• If Issuer Update is not supported as an implementation
option,
Then clear Byte 2 Bit 8 (‘Issuer Update supported’).
Note: The dynamic Terminal Interchange Profile (Tag ‘9F53’) is
updated by the Kernel during subsequent processing.

At that stage, the Kernel will detect whether the presented card is a legacy card, and
if so, enure that it has the capability to process such cards.

Requirement – Legacy Mode Detection

3.2.1.9 If the PDOL contains Terminal Compatibility Indicator (Tag ’9F52’),

Then the Kernel shall proceed with section 3.3: Initiate Application
Processing.

Otherwise the card is a legacy card and the Kernel shall proceed
with Requirement 3.2.1.10.

3.2.1.10 If Kernel 5 supports Legacy Mode (Implementation Option)

And the Combination Options indicates ‘Legacy Mode Supported’
for this AID,
Then the Kernel shall set Transaction Mode to ‘Legacy Mode’ and
proceed with section 3.3: Initiate Application Processing.

Otherwise the Kernel shall terminate the transaction and provide

a Select Next Outcome as described in Section 3.13.10.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.3 Initiate Application Processing

3.3 Initiate Application Processing

The PDOL provided by the card in response to the SELECT command contains a list
of tags that the card requests from the reader. The reader provides the card with the
PDOL-related data elements when issuing the GPO command to the card.

Requirement – PDOL Processing and GPO Command

3.3.1.1 The Kernel shall process the PDOL and send the command data for
the GET PROCESSING OPTIONS as described in [EMV Book 3].

3.3.1.2 If the PDOL requires a data element that is not recognised by the
Kernel (not referenced in Annex B),
Then the Kernel shall fill in the corresponding PDOL related data
with zeroes.

The Application Interchange Profile (AIP) and Application File Locator (AFL) returned
by the card in response to the GPO command contain information on the card
configuration and data records to be read. The card response may use either Format
1 or Format 2, as described in [EMV Book 3].
If the card chooses Magstripe Mode for the transaction, then AFL (Tag ‘94’) may be
absent; however, for an EMV Mode or Legacy Mode transaction, the card is
expected to return the AFL (Tag ‘94’) in the GPO response.
The Kernel detects the mode selected by the card (EMV / magstripe) and in the case
of EMV Mode, the Kernel also ensures that the card supports CDA. Other AIP bits
are not analysed by the Kernel.

Requirement – GPO Response Analysis

3.3.1.3 If the AIP (Tag ‘82’) is absent from the GET PROCESSING OPTIONS
response,
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as described in Section 3.13.10.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.3 Initiate Application Processing

Requirement – GPO Response Analysis

3.3.1.4 If the Transaction Mode is equal to ‘Undefined Mode’,

Then
If the AIP (Tag ‘82’) returned by the card has Byte 2 Bit 8 set to
‘1’ (‘EMV Mode Selected’),
Then the Kernel shall set Transaction Mode to ‘EMV Mode’.
Else the Kernel shall set the Transaction Mode to ‘Magstripe
Mode’.

3.3.1.5 If the AFL (Tag ‘94’) is absent from the data returned to the GET
PROCESSING OPTIONS response
And the Transaction Mode is ‘EMV Mode’ or ‘Legacy Mode’,
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as described in Section 3.13.10.

3.3.1.6 If the AFL (Tag ‘94’) is present in the GET PROCESSING OPTIONS
RESPONSE
And its value is incorrectly formatted (e.g. not multiple of 4 bytes,
invalid SFI value...),
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as described in Section 3.13.10.

3.3.1.7 If any of the conditions below is true:

• the Transaction Mode is equal to ‘Magstripe Mode’
• the Transaction Mode is equal to ‘Legacy Mode’
• the Transaction Mode is equal to ‘EMV Mode’ and Offline Data
Authentication (implementation or acquirer option) is not
supported
• the Transaction Mode is equal to ‘EMV Mode’ and the AIP (Tag
‘82’) indicates that CDA is not supported (Byte 1bit 1 is ‘0’)
Then the Kernel shall set TVR Byte 1 bit 8 (‘Offline Data
Authentication was not performed’) to ‘1’.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.4 Read Application Data

3.4 Read Application Data

The Kernel uses the AFL to determine which records to request from the card. The
Kernel does not need to process any data at this point, except to determine if all the
mandatory data elements are present.

Requirement – Reading Records

3.4.1.1 If the AFL has been provided by the card, the Kernel shall read the
records indicated in the AFL using the READ RECORD command
and process the response as defined in [EMV Book 3].

At that point, the Kernel needs to determine if all mandatory data elements are
present. Even if the Kernel reads data objects that are not recognised by the Kernel
(that is, their tags are unknown by the Kernel), the Kernel shall not terminate the
transaction.

Requirement – Presence of Mandatory Data Elements

3.4.1.2 If the Transaction Mode is ‘EMV Mode’ or ‘Legacy Mode’

And any of the following mandatory Data Elements is absent from
the card:
• CDOL1 (Tag ‘8C’)
• Track2 Equivalent Data (Tag ‘57’)
• Application Expiration Date (Tag ‘5F24’)
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as described in Section 3.13.10.

As CDA is the mandatory Data Authentication Method supported by the Kernel in

‘EMV Mode’, the Kernel shall ensure that all the appropriate data elements are
present.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.4 Read Application Data

3.4.1.3 If the Transaction Mode is ‘EMV Mode’

And Offline Data Authentication is supported (implementation and
acquirer option)
And the AIP (Tag ‘82’) indicates that CDA is supported (Byte 1bit 1
is ‘1’)
And any of the following Data Elements is absent from the card:
• Certification Authority Public Key Index (Tag ‘8F’)
• Issuer Public Key Certificate (Tag ‘90’)
• Issuer Public Key Exponent (Tag ‘9F32’)
• Issuer Public Key Remainder (Tag ‘92’), when required (based
on the sizes of tags ‘9F46’ and ‘90’, when both are present)
• ICC Public Key Certificate (Tag ‘9F46’)
• ICC Public Key Exponent (Tag ‘9F47’)
• ICC Public Key Remainder (Tag ‘9F48’), when required (based
on the ICC Public Key Length and the size of tag ‘9F46’, when
both are present)
Then the Kernel shall set TVR Byte 1 bit 6 (‘ICC Data Missing’) and
Byte 1 bit 3 (‘CDA Failed’) to ‘1’. (except for when Issuer Public Key
Remainder (Tag ‘92’) and ICC Public Key Remainder (Tag ‘9F48’)
are not required)

3.4.1.4 If the Transaction Mode is ‘EMV Mode’

And Offline Data Authentication is supported (implementation and
acquirer option)
And the Certification Authority Public Key corresponding to the
CAPK index (Tag ‘8F’) provided by the card is not present in the
Kernel configuration data,
Then the Kernel shall set TVR Byte 1 bit 3 (‘CDA Failed’) to ‘1’.
(Note: the kernel recovers the ICC public key later during the
transaction to optimise the performance).

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.5 Terminal Risk Management

3.5 Terminal Risk Management

Terminal Risk Management consists of verifications that compare the transaction
amount with reader-based limits, and take appropriate action if the limit is exceeded.
The Acquirer’s Exception List may also be checked.
Terminal Risk Management is mandatory and always performed.

3.5.1 Contactless Limit Check

Requirement – Contactless Limit Check

3.5.1.1 If the Contactless Transaction Limit is present

And the value of Amount, Authorised (Numeric) (Tag ‘9F02’) is
greater than or equal to this limit,
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as described in Section 3.13.10.

3.5.2 CVM Required Limit Check

Requirement – CVM Required Limit Check

3.5.2.1 If the CVM Required Limit is present

And the Transaction Type corresponds to a Purchase or Cash-
Advance transaction (i.e. value is ‘00’, ‘01’ or ‘09’)
And the value of Amount, Authorised (Numeric) (Tag ‘9F02’) is
greater than or equal to this limit,
Then the Kernel shall indicate ‘CVM Required by Reader’ (Byte 1,
bit 8) in the dynamic Terminal Interchange Profile (Tag ’9F53’).

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.5 Terminal Risk Management

3.5.3 Floor Limit Check

Requirement – Floor Limit Check

3.5.3.1 If any of the conditions below is true:

• The Transaction Mode is ‘Magstripe Mode’
• The Transaction Mode is ‘Legacy Mode’
• The Terminal Type (Tag ‘9F35’) indicates that the reader is
online-only (value = ‘x1’ or ‘x4’)
• The Amount, Authorised is a single unit of currency3 and the
Combination Options Byte 1 Bit 7 is set to 1b (‘Status Check
Supported’)
Then the Kernel shall set TVR Byte 4 bit 8 (‘Transaction exceeds
Floor Limit’) to ‘1’.

3.5.3.2 If the Transaction Mode is ‘EMV Mode’

And the Contactless Floor Limit is present
And the value of Amount, Authorised (Numeric) (Tag ‘9F02’) is
greater than or equal to this limit,
Then the Kernel shall set TVR Byte 4 bit 8 (‘Transaction exceeds
Floor Limit’) to ‘1’.

3.5.4 Random Transaction Selection

Requirement – Random Transaction Selection

3.5.4.1 If the Transaction Mode is ‘EMV Mode’

And the Combination Options indicate that ‘Random Transaction
Selection supported’
And the TVR Byte 4 bit 8 has value ‘0’ (Floor Limit not exceeded),
Then the Kernel shall perform Random Transaction Selection as
described in [EMV Book 3].

3 The Amount corresponding to a single unit of currency is obtained as 10 Transaction Currency

Exponent.
E.g. for USD, where Transaction Currency Exponent = 2, a single unit of currency
(1.00 USD) is coded as ‘000000000100’.
The Transaction Currency Exponent is a Kernel configuration parameter.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.5 Terminal Risk Management

Requirement – Random Transaction Selection

3.5.4.2 If the transaction is randomly selected for online authorisation,

Then the Kernel shall set TVR Byte 4 bit 5 (‘Transaction selected
randomly for online processing’) to ‘1’.

3.5.5 Exception File Check

Exception file check is both an Implementation Option as well as an Acquirer Option.

When applicable, the exact implementation of this check is left at the discretion of the
implementer. It may, for instance, take advantage of the Data Exchange mechanism
described in Book A.

Requirement – Exception File Check

3.5.5.1 If all the conditions below are true:

• the Transaction Mode is ‘EMV Mode’
• Exception File Check is supported (Implementation Option)
• the Combination Options (Acquirer Options) indicate that
‘Exception File Check required’
Then the Kernel shall perform Exception File Check as described in
[EMV Book 4].

3.5.5.2 If the card number (PAN) has been found in the Exception File,
Then the Kernel shall set TVR Byte 1 bit 5 (‘Card appears on
terminal exception file’) to ‘1’.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.6 Processing Restrictions

3.6 Processing Restrictions

3.6.1 Application Usage Control Check

Requirement – Application Usage Control

3.6.1.1 If the Transaction Mode is ‘EMV Mode’

And the Application Usage Control (Tag ’9F07’) has been provided
by the card,
Then the Kernel shall perform Application Usage Control as
described in [EMV Book 3].

3.6.1.2 If the result from Application Usage Control Check indicates that
the transaction is not allowed,
Then the Kernel shall set TVR Byte 2 bit 5 (‘Requested Service Not
Allowed for Card Product’) to ‘1’.

3.6.2 Application Expiration Date Check

Requirement – Application Expiration Date

3.6.2.1 If the Transaction Mode is ‘EMV Mode’ or ‘Legacy Mode’,

Then the Kernel shall perform Application Expiration Date Check as
described in [EMV Book 3].

3.6.2.2 If the card application has expired,

Then the Kernel shall set TVR Byte 2 bit 7 (‘Expired Application’) to
‘1’.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.6 Processing Restrictions

3.6.3 Application Effective Date Check

Requirement – Application Effective Date

3.6.3.1 If the Transaction Mode is ‘EMV Mode’ or ‘Legacy Mode’

And the Application Effective Date (Tag ‘5F25’) has been provided
by the card,
Then the Kernel shall perform Application Effective Date Check as
described in [EMV Book 3].

3.6.3.2 If the card application is not yet effective,

Then the Kernel shall set TVR Byte 2 bit 6 (‘Application Not Yet
Effective’) to ‘1’.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.7 Terminal Action Analysis

3.7 Terminal Action Analysis

Requirements – Terminal Action Analysis

3.7.1.1 If the Transaction Type indicates a Refund (‘20’),

Then the Kernel shall decline the transaction (i.e. Terminal Action
Analysis results in decline) and continue with Requirement 3.7.1.5
(“Terminal Action Analysis Completion”).
Else the Kernel shall continue with Requirement 3.7.1.2.

3.7.1.2 Issuer Action Code (IAC) Values:

If the Transaction Mode is ‘EMV Mode’
Then the Kernel shall use the Issuer Action Code values provided
by the card for Terminal Action Analysis.
Otherwise for ‘Legacy Mode’, ‘Magstripe Mode’, or no IAC values
are provided by card, the Kernel shall use the following default IAC
values:
• IAC-Decline: 00 00 00 00 00
• IAC-Online: FF FF FF FF FF
• IAC-Default: FF FF FF FF FF

3.7.1.3 Terminal Action Code (TAC) Values:

If Terminal Action Code values (Decline, Online, Default) are
parameterised as part of the Kernel configuration data,
then the Kernel shall use the parameterised Terminal Action Code
values.

Otherwise the Kernel shall use the default TAC values as defined in
Annex D, Table D-1.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.7 Terminal Action Analysis

Requirements – Terminal Action Analysis

3.7.1.4 Terminal Action Analysis

The Kernel shall perform Terminal Action Analysis as described in
[EMV Book 3], using:
• Terminal Verification Results (TVR)
• TAC/IAC-Decline
• TAC/IAC-Online: If the Terminal Type (Tag ‘9F35’) indicates
that the reader is online-capable (‘x1’, ‘x2’, ‘x4’ or ‘x5’)
• TAC/IAC-Default: If the Terminal Type (Tag ‘9F35’) indicates
that the reader is offline-only (‘x3’ or ‘x6’)

Requirement – Terminal Action Analysis Completion

3.7.1.5 If Transaction Mode is ‘Magstripe Mode’

Then the Kernel shall proceed to completion as described in
Section 3.9.
Else (‘EMV Mode’, ‘Legacy Mode’):
If the result of the Terminal Action Analysis is to decline the
transaction
Then the Kernel shall decline the transaction as described in
Section 3.13.5.
Otherwise the Kernel shall proceed to completion as
described in:
• Section 3.8 if Transaction Mode is ‘EMV Mode’
• Section 3.10 if Transaction Mode is ‘Legacy Mode’

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

3.8 Completion – EMV Mode

When the transaction is processed in ‘EMV Mode’ the Kernel will request the card to
generate a cryptogram corresponding to the decision taken during Terminal Action
Analysis, by issuing a GENERATE AC command. A CDA signature is systematically
requested if Offline Data Authentication is supported by the Kernel (implementation
and acquirer option).
If the CDA signature is valid, the Kernel will apply the decision of the card with
regards to the transaction outcome and the CVM to be performed.

3.8.1 GENERATE AC Command

The CDOL1 used to prepare the GENERATE AC command is obtained during READ
RECORD processing.

Requirement – CDOL1 Processing

3.8.1.1 The Kernel shall process the CDOL1 and construct the command
data for the GENERATE AC command, as described in
[EMV Book 3].

3.8.1.2 If the CDOL1 requests a Data Object that is not recognised by the
Kernel (not referenced in Annex B),
Then the Kernel shall fill in the corresponding CDOL1 related data
with zeroes.

Requirement – GENERATE AC

3.8.1.3 The Kernel shall request the card to generate a cryptogram using
the GENERATE APPLICATION CRYPTOGRAM command as defined
in Section 4.2 and [EMV Book 3]. 4
The type of cryptogram (TC or ARQC) requested by the Kernel in
the Reference Control Parameter (parameter P1) shall correspond
to the result of the Terminal Action Analysis.

4The Kernel shall not change TVR after requesting GENERATE APPLICATION
CRYPTOGRAM command.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – GENERATE AC

3.8.1.4 If Offline Data Authentication is supported (implementation and

acquirer option)
And the AIP (Tag ‘82’) indicates that CDA is supported (Byte 1bit 1
is ‘1’),
Then the Kernel shall request a CDA Signature in the Reference
Control Parameter (bit 5 is set to ‘1’).

At this stage the Kernel needs to analyse the GENERATE AC response.

Requirement – GENERATE AC Response Analysis

3.8.1.5 If the Status Word returned by the card is equal to ‘6986’,

Then the Kernel shall terminate the transaction with an End
Application (with restart, On-device CVM) Outcome as defined in
section 3.13.9.
This Status Word indicates that the CVM shall be performed on the
cardholder device prior to attempting the transaction (e.g. a
Confirmation Code shall be entered on the mobile device).

3.8.1.6 If the Status Word returned by the card is equal to ‘6984’,

Then the Kernel shall terminate the transaction with a Try Another
Interface Outcome as defined in section 3.13.6.
This Status Word indicates that the card is a dual-interface card
that prefers to conduct the transaction using the contact interface.

3.8.1.7 If the Status Word returned by the card is different from ‘6984’,
‘6986’ and ‘9000’,
Then the Kernel shall terminate the transaction with a Select Next
Outcome as defined in section 3.13.10.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – GENERATE AC Response Analysis

3.8.1.8 The Kernel shall parse the response to the GENERATE AC and
ensure that it is correctly formatted and the card has provided all
mandatory data elements. The mandatory data elements depend
on the transaction context. They are listed in Table 4-3, Table 4-4
and Table 4-5.
If the response to the GENERATE AC command is not parsed
correctly,
Or if a mandatory data element is missing,
Or if the format of a returned data element is incorrect,
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.8.1.9 If the Cryptogram Information Data (Tag ‘9F27’) indicates an AAC,

Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.8.1.10 The Kernel shall analyse the type of cryptogram returned from the
card for consistency with the requested type of cryptogram.

If the Kernel requested ARQC, but the CID indicates a TC,

Then the Kernel shall decline the transaction as defined in section
3.13.5.

3.8.1.11 If Offline Data Authentication is supported (implementation and

acquirer option)
And the AIP (Tag ‘82’) indicates that CDA is supported (Byte 1bit 1
is ‘1’)
And the Signed Dynamic Application Data (Tag ‘9F4B’) is absent
from the card response,
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

Once the response has been received, if the card is no longer required in the field,
and if the CDA verification is to be performed, the indication is given to the
cardholder that the card can be removed.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – Card Removal

3.8.1.12 If Signed Dynamic Application Data (Tag ‘9F4B’) is present in the

card response,
And one of the following conditions is True:
• the Issuer Update Parameter (Tag ‘9F60’) is absent from the
card response, or has a value = ‘02’ (“Second
Presentment”),
• Issuer Update is not supported by the Kernel
(Implementation Option or Acquirer Options)
Then the Kernel shall send a User Interface Request with the
following parameters:
• Message Identifier: '17' (“Card Read OK”)
• Status: Card Read Successfully
This will result in an indication to the cardholder that the card can
be removed from the field.

3.8.2 Offline Data Authentication

The Kernel verifies the CDA signature returned in the GENERATE AC response and
determines the Outcome and the associated parameters. Verification of the signature
includes recovery of the Issuer and card public keys from the certificates contained in
the data records.

Requirement – CDA Signature Verification

3.8.2.1 If the card has returned a Signed Dynamic Application Data (tag
‘9F4B’),
Then the Kernel shall verify the signature as defined for CDA in
[EMV Book 2] , including the retrieval of ICC Public Key.
If any step of signature verification fails,
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.8.3 CVM Processing

When Transaction Mode is ‘EMV Mode’, the Kernel is required to check the
consistency of the CVM decision (“Cardholder Verification Status”) that has been
provided by the card with the GENERATE AC response, and to apply this decision.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

This Cardholder Verification Status, authenticated by the CDA signature, is computed

by the card based on its internal card risk management parameters, and based on
the transaction context as communicated by the Kernel in the CDOL1 related data.

Requirement – CVM Evaluation

3.8.3.1 The Kernel shall examine the Cardholder Verification Status

(Tag ’9F50’) returned by the card in the GENERATE AC response to
determine the card CVM requirement for the transaction:
• ‘00’: No CVM
• ‘10’: Obtain Signature
• ‘20’: Online PIN
• ‘3x’: Confirmation Code Verified
• Other: Not Applicable (no CVM preference)6

6 If the amount exceeds the CVM Required Limit and the card does not indicate any CVM
requirement (CVS indicates no CVM preference), the reader may apply its own CVM policy.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – CVM Consistency Check

3.8.3.2 If the Terminal Interchange Profile (dynamic) indicates ‘CVM

Required by Reader’ (byte 1 bit 8 = ‘1’)
And the Cardholder Verification Status indicates No CVM (‘00’)
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.8.3.3 If the Cardholder Verification Status has any value among ‘10’, ‘20’
or ‘3x’ (Signature, Online PIN, or On-Device CVM)
And the corresponding CVM is not supported in the Terminal
Interchange Profile (dynamic)
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.8.4 Transaction Outcome

The Outcome is set for Approved or Online Request, as per the card decision, with
the parameters indicating the CVM requirement (if any). The data elements for an
EMV clearing record or an online authorisation are made available to the reader.

Requirement – Transaction Outcome

3.8.4.1 If the Cryptogram Information Data (Tag ‘9F27’) indicates a TC,

Then the Kernel shall provide an Approved Outcome as defined in
section 3.13.1.
3.8.4.2 If the Cryptogram Information Data (Tag ‘9F27’) indicates an
ARQC,
And any of the conditions below is true:
• Issuer Update is NOT supported (as implementation option ,
or as acquirer option in static TIP, byte 2 bit 8)
• the Issuer Update Parameter (Tag ‘9F60’) is absent or has
value ‘00’
then the Kernel shall provide an Online Request Outcome as
defined in section 3.13.2.
3.8.4.3 If the Cryptogram Information Data (Tag ‘9F27’) indicates an
ARQC,

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – Transaction Outcome

And Issuer Update is supported (both as implementation option
and as acquirer option in static TIP, byte 2 bit 8)
And the Issuer Update Parameter (Tag ‘9F60’) is present with
value value ‘01’
Then the Kernel shall provide an Online Request Outcome
(“Present and Hold”) as defined in section 3.13.4.
3.8.4.4 If the Cryptogram Information Data (Tag ‘9F27’) indicates an
ARQC,
And Issuer Update is supported (both as implementation option
and as acquirer option in static TIP, byte 2 bit 8)
And the Issuer Update Parameter (Tag ‘9F60’) is present with
value value ‘02’
Then the Kernel shall provide an Online Request Outcome (“Two
Presentments”) as defined in section 3.13.3.
3.8.4.5 The CVM parameter in the Approved or Online Request Outcome
shall be set to the result of CVM Processing as specified in section
3.8.3.
3.8.4.6 The Message Identifier parameter in the Approved or Online
Request Outcome (UI Request on Outcome Present) shall take the
following value:
If Outcome = Approved
Then
If CVM = Obtain Signature
Then Message Identifier = ‘1A’ (“Approved, please sign”)
Else Message Identifier = ‘03’ (“Approved”)
Else (Outcome = Online Request)
If CVM = Online PIN
Then Message Identifier = ‘09’ (“Please enter your PIN”)
Else Message Identifier = ‘1B’ (“Authorising, please wait”)

3.8.4.7 If the Kernel provides an Online Request “Present and Hold” or

“Two Presentments” outcome as per Requirements 3.8.4.3 or
3.8.4.4,
Then the following information shall be retained as the Online
Transaction Context (for subsequent Kernel activation to perform
Issuer Update Processing):
• EMV Data Record provided as part of the outcome (see

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.8 Completion – EMV Mode

Requirement – Transaction Outcome

Annex C)
• CVM Parameter provided as part of the outcome
• CDOL2 data element (when provided by the card)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.9 Completion – Magstripe Mode

3.9 Completion – Magstripe Mode

When the transaction is processed in ‘Magstripe Mode’, the Kernel provides the
transaction context to the card and in return requests the card to provide the Track 2
Equivalent Data. The card returns the Track 2 Equivalent Data when it considers that
the transaction can be authorised online.
The Track 2 Equivalent Data will also contain the instructions from the card regarding
the Cardholder Verification Method to be applied. The Kernel provides these
instructions to the Reader in the Transaction Outcome.

3.9.1 GET MAGSTRIPE DATA Command

Normally, the card should be personalised with the Magstripe Data Object List
(MDOL Tag ‘9F5C’) and the MDOL is read by the Kernel during Read Application
Data processing. The MDOL is then used to prepare the GET MAGSTRIPE DATA
command. However, if the MDOL is absent, then the Kernel shall use a default
MDOL value that is parameterised as part of Kernel configuration data.

Requirement – MDOL Processing

3.9.1.1 If the Kernel has not obtained MDOL (Tag ’9F5C’) as part of Read
Application Data,
Then the Kernel shall use the following Default MDOL value:
• ‘9F02’ Amount, Authorised (Numeric), 6 bytes;
• ‘9F1A’ Terminal Country Code, 2 bytes;
• ‘5F2A’ Transaction Currency Code, 2 bytes;
• ‘9A’ Transaction Date, 3 bytes;
• ‘9C’ Transaction Type, 1 byte;
• ‘9F53’ Dynamic Terminal Interchange Profile, 3 bytes;
• ‘9F4E’ Merchant Name and Location, 20 bytes;
3.9.1.2 The Kernel shall process the MDOL and construct the command
data (MDOL related data) for the GET MAGSTRIPE DATA
command, using the standard DOL preparation rules described in
[EMV Book 3].

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.9 Completion – Magstripe Mode

Requirement – MDOL Processing

3.9.1.3 If the MDOL requests a data element that is not recognised by the
Kernel (not referenced in Annex B),
Then the Kernel shall fill in the corresponding MDOL related data
with zeroes.

The Kernel issues a GET MAGSTRIPE DATA command in order to retrieve the
image of financial Track 2 Magstripe. The card analyses the transaction context
provided by the Kernel and decides whether the transaction can be sent online for
authorisation (normal behaviour), or whether the transaction shall be declined. The
card also determines the CVM to be applied for the transaction.

Requirement – GET MAGSTRIPE DATA command

3.9.1.4 The Kernel shall request the card to provide the Track2 Equivalent
Data (Tag ‘57’) using the GET MAGSTRIPE DATA command as
defined in Section 4.4.
The type of decision (online or decline) requested by the Kernel in
the Reference Control Parameter (parameter P1) shall correspond
to the result of the Terminal Action Analysis.

At that stage the Kernel needs to analyse the GET MAGSTRIPE DATA response.

Requirement – GET MAGSTRIPE DATA Response Analysis

3.9.1.5 If the Status Word returned by the card is equal to ‘6986’,

Then the Kernel shall terminate the transaction with an End
Application (with restart, On-device CVM) Outcome as defined in
section 3.13.9.
This Status Word indicates that the CVM shall be executed on the
cardholder device prior to attempting the transaction (e.g. a
Confirmation Code shall be entered on the mobile device).

3.9.1.6 If the Status Word returned by the card is different from ‘6300’,
‘6986’ and ‘9000’,
Then the Kernel shall terminate the transaction with a Select Next
Outcome as defined in section 3.13.10.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.9 Completion – Magstripe Mode

Requirement – GET MAGSTRIPE DATA Response Analysis

3.9.1.7 The Kernel shall ensure that the card has provided Track2
Equivalent Data (Tag ‘57’) in response to the GET MAGSTRIPE
DATA.
If Track2 Equivalent Data is missing or is incorrectly formatted,
Then the Kernel shall terminate the transaction with a Select Next
Outcome as defined in section 3.13.10.

3.9.1.8 If the Status Word returned by the card is equal to ‘6300’,

Then the Kernel shall decline the transaction as defined in
section 3.13.5.
This Status Word indicates that the card refuses the Magstripe
Mode transaction.

3.9.2 CVM Processing

When Transaction Mode is ‘Magstripe Mode’ and the card has requested an online
authorisation, the Kernel is required to apply the CVM decision that is provided by the
card inside the Track 2 Equivalent Data.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.9 Completion – Magstripe Mode

Requirement – CVM Evaluation

3.9.2.1 The Kernel shall extract the rightmost significant digit from Track2
Equivalent Data (Tag ‘57’) provided by the card.
Note: a significant digit is defined as a nibble with a decimal
value (‘0’ to ‘9’), and thus excludes padding value ‘F’, usually
present to ensure whole bytes.
An example is given below:
1234567890123456D16122011234512300000F
The Kernel shall examine the rightmost significant digit (i.e. the
CVM decision digit) to determine the CVM decision for this
transaction:
• ‘0’: Not Applicable (no CVM preference)
• ‘1’: No CVM
• ‘2’: Obtain Signature
• ‘3’: Online PIN
• ‘4’: Confirmation Code Verified
• ‘5-9’: Not Applicable (no CVM preference)

Requirement – CVM Consistency Check

3.9.2.2 If the Terminal Interchange Profile (dynamic) indicates ‘CVM

Required by Reader’ (byte 1 bit 8 = ‘1’)
And the CVM decision digit indicates No CVM (‘1’)
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.9.2.3 If the CVM decision digit has any value among ‘2’, ‘3’ or ‘4’
(Signature, Online PIN, or On-Device CVM)
And the corresponding CVM is not supported in the Terminal
Interchange Profile (dynamic)
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.9.3 Transaction Outcome

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.9 Completion – Magstripe Mode

The Outcome is set for Online Request, with the parameters indicating the CVM
requirement (if any). The data elements for a Magstripe online authorisation are
made available to the Reader.

Requirement – Transaction Outcome

3.9.3.1 The Kernel shall provide an Online Request Outcome as defined in

section 3.13.2.
3.9.3.2 The CVM parameter in the Online Request Outcome shall be the
result of CVM Processing as specified in section 3.9.2.
3.9.3.3 The Message Identifier parameter in the Online Request Outcome
(UI Request on Outcome Present) shall take the following value:
If CVM = Online PIN,
Then Message Identifier = ‘09’ (“Please enter your PIN”),
Else Message Identifier = ‘1B’ (“Authorising, please wait”)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.10 Completion – Legacy Mode

3.10 Completion – Legacy Mode

If the transaction is to be processed as per ‘Legacy Mode’, the Kernel will request the
card to return an Authorisation Request Cryptogram (ARQC) by sending a
GENERATE AC command with the data requested in the CDOL1 obtained during
READ RECORD processing. No CDA signature is required.
Completion of online processing will normally occur after the card is no longer
required in the field.

3.10.1 GENERATE AC Command

The CDOL1 used to prepare the GENERATE AC command is obtained during READ
RECORD processing.

Requirement – CDOL1 Processing

3.10.1.1 The Kernel shall process the CDOL1 and construct the command
data for the GENERATE AC command, as described in
[EMV Book 3].

3.10.1.2 If the CDOL1 requests a data element that is not recognised by the
Kernel (i.e. not referenced in Annex B),
Then the Kernel shall fill in the corresponding CDOL1 related data
with zeroes.

Requirement – GENERATE AC

3.10.1.3 The Kernel shall request the card to generate an ARQC using the
GENERATE APPLICATION CRYPTOGRAM command and shall obtain
the response as defined in [EMV Book 3].

3.10.1.4 The kernel shall not change TVR after requesting GENERATE
APPLICATION CRYPTOGRAM command.

3.10.1.5 If the Status Word returned by the card is different from ‘9000’,
Then the Kernel shall terminate the transaction with a Select Next
Outcome as defined in section 3.13.10.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.10 Completion – Legacy Mode

Requirement – GENERATE AC

3.10.1.6 The Kernel shall ensure that the card response is correctly
formatted (see section 4.2).
If the response to the GENERATE AC command is not parsed
correctly,
Or if a mandatory data element is missing,
Or if the format of a returned data element is incorrect,
Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.10.1.7 If the Cryptogram Information Data (Tag ‘9F27’) does not indicate
an ARQC,
Then the terminal shall decline the transaction as defined in
section 3.13.5.

The Kernel evaluates the need for CVM processing and determines the Outcome
and associated parameters. The data for an online authorisation is prepared and
made available to the POS system.

3.10.2 CVM Processing

If a CVM is required according to the result of CVM Required Limit Check, the Kernel
evaluates the CVM list contained in the data records and determines the appropriate
CVM parameter setting for the Outcome. Kernel 5 CVM processing is a simplified
version of CVM list processing defined in [EMV Book 3] using only the CVM Code.
The CVM Condition byte is not evaluated.

Requirement – CVM Required Check

3.10.2.1 If the ‘CVM required by reader’ indicator is set to 1 in the dynamic

Terminal Interchange Profile (Tag ’9F53’),
Then the Kernel shall evaluate the CVM List obtained from the
data records.
Otherwise processing shall continue with Online Request
Outcome (section 3.10.3), with CVM parameter set to “No CVM”.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.10 Completion – Legacy Mode

Requirement – CVM Evaluation

3.10.2.2 If the CVM List is absent from the card,

Then the Kernel shall assume the CVM to be Not Applicable (no
CVM preference).

3.10.2.3 If the CVM List is provided by the card,

Then the Kernel shall examine the CVM Codes in the CVM List
(Tag '8E') in sequential order, comparing the static Terminal
Interchange Profile flags (‘Signature supported’ and ‘Online PIN
supported’) with the CVM Code values for ‘Enciphered PIN verified
online’ and ‘Signature (paper)’, as defined in [EMV Book 3],
Table 39.

The first positive comparison in the list shall determine the CVM
requirement for the transaction.

3.10.2.4 If no match is found after processing requirement 3.10.2.3,

Then the Kernel shall decline the transaction as defined in
section 3.13.5.

3.10.3 Online Request Outcome

The Outcome is set for Online Request with the parameters indicating the CVM
requirement (if any). The data elements for an EMV online authorisation are made
available to the Reader.

Requirement – Online Request Outcome

3.10.3.1 The Kernel shall complete the transaction with an Online Request
Outcome as defined in section 3.13.2.
3.10.3.2 The CVM parameter in the Online Request Outcome shall be the
result of CVM Processing as specified in section 3.10.2.
3.10.3.3 The Message Identifier parameter in the Online Request Outcome
(UI Request on Outcome Present) shall take the following value:
If CVM = Online PIN
Then Message Identifier = ‘09’ (“Please enter your PIN”)
Else Message Identifier = ‘1B’ (“Authorising, please wait”)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

3.11 Issuer Update Processing

Issuer Update enables the Issuer to take advantage of a transaction authorisation
message to perform remote maintenance operations on the card – typically Issuer
Authentication enabling counter reset, or Issuer Scripts enabling updating card
parameters.
The card must either be maintained in the RF field for the duration of the
authorisation request, or be represented to the reader when the online response is
received.
This section is performed when the Kernel is restarted after an Online Authorisation
to execute Issuer Update, provided that all the conditions below are fulfilled:
• The Kernel supports Issuer Update (implementation option)
• The selected Combination supports Issuer Update (acquirer option)
• The card has returned an ARQC in answer to the first GENERATE AC
command, with an Issuer Update Parameter requesting “Present-and-hold”
(‘01’) or “Two Presentment” (‘02’) behaviour
• The Authorisation Response message contains Issuer Authentication Data
(Tag ‘91’) and/or Issuer Script(s) (Templates ‘71’ and/or ‘72’)
When activated again to process Issuer Update, the Kernel restores the Online
Transaction Context for the ongoing transaction that was retained before the online
authorisation request.

3.11.1 Issuer Update Initialisation

Requirement – SELECT response analysis

3.11.1.1 If the FCI has been provided by the reader as part of the Dynamic
Transaction Parameters (case of “Two Presentment”)
And the FCI is not parsed correctly (see table 45 in [EMV Book 1]),
Then the Kernel shall complete the transaction by returning an
End Application Outcome as defined in Section 3.13.7.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

3.11.2 Critical Script Processing

This requirement is performed when the Dynamic Transaction Parameters provided
to the Kernel (see Table 3-2) contain at least one occurrence of Issuer Script
Template 1 (tag ‘71’):

Requirement – Critical Script Processing

3.11.2.1 The Kernel shall process each occurrence of Issuer Script Template
‘71’ sequencially, in the order provided by the terminal as part of
the Dynamic Transaction Parameters. Each occurrence is
processed as follows:
• The Kernel shall ensure that the Issuer Script Template can
be parsed correctly, according to the format described in
[EMV Book 3], Section 10.10.
If the parsing is incorrect
Then the Kernel shall:
o set TVR7 Byte 5 bit 6 to ‘1’ (‘Script processing failed
before final GENERATE AC’),
o proceed with the next ‘71’ tag occurrence, if any.
• The Kernel shall deliver each command to the card as a
command APDU in the sequence in which it appears in the
Issuer Script.
If the card returns an error SW to any script command (SW1
≠ ’90’, ‘62’ and ‘63’)
Then the Kernel shall:
o terminate the delivery of commands from this Issuer
Script,
o set TVR Byte 5, bit 6 to ‘1’ (‘Script processing failed
before final GENERATE AC’),
o proceed with the next ‘71’ tag occurrence, if any.

7 TVR is restored from Online Transaction Context and updated.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

Note: the processing of Issuer Script is identical to the processing described for
contact EMV kernels in [EMV], except that the Kernel does not generate the
Transaction Status Information (TSI) nor Issuer Script Results. In particular, the
following sections apply:
- [EMV Book 3], Sections 10.10 and Annex E
- [EMV Book 4], Sections 6.3.9 and 12.2.4

Requirement – Critical Script Processing Completion

3.11.2.2 Once all occurrences of Issuer Script Template ‘71’ have been
processed:
If the Dynamic Transaction Parameters provide neither Issuer
Authentication Data (tag ‘91’) nor Issuer Script Template 2 (tag
‘72’)
Then the Kernel shall complete the transaction by returning an
End Application Outcome as defined in Section 3.13.7.
Else the Kernel proceeds with Section 3.11.3.

Note: when the reader receives from the Kernel an End Application outcome
following an Online restart, the terminal determines the transaction disposition
according to the Authorisation Response Code provided by the Issuer (see Book A,
Table 6-4 for the processing of the End Application outcome following an Online
Request).

3.11.3 Second GENERATE AC Command

The requirements in this section are executed if Issuer Authentication Data (tag ‘91’)
or at least one occurrence of Issuer Script Template 2 (tag ‘72’) is/are made available
to the Kernel upon restart.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

Requirement – CDOL2 Processing

3.11.3.1 The Kernel shall retrieve the CDOL2 value from the Online
Transaction Context saved during the first part of the transaction.
If the CDOL2 is absent from the Online Transaction Context (i.e.
the card has not provided any CDOL2 value)
Then the Kernel shall return an End Application Outcome as
described in Section 3.13.7.

3.11.3.2 The Kernel shall process the CDOL2 and construct the command
data for the GENERATE AC command, as described in
[EMV Book 3].

3.11.3.3 If the CDOL2 requests a Data Object that is not recognised by the
Kernel (not referenced in Annex B)
then the Kernel shall fill in the corresponding CDOL2 related data
with zeroes.

Requirement – GENERATE AC

3.11.3.4 The Kernel shall request the card to generate a cryptogram using
the GENERATE APPLICATION CRYPTOGRAM command as defined
in Section 4.2 and [EMV Book 3].
The type of cryptogram (TC or AAC) requested by the Kernel in the
Reference Control Parameter (parameter P1) depends on the
Authorisation Response Code (ARC, tag ‘8A’) provided by the
terminal:
If the ARC value corresponds to an Approval (“00”, “10”, “11”)
or a Referral (“01”, “02”),
Then an approval (TC) shall be requested;
Else a decline (AAC) shall be requested.
3.11.3.5 The Kernel shall not request any CDA Signature in the Reference
Control Parameter (bit 5 is set to ‘0’).

At this stage the Kernel needs to analyse the GENERATE AC response.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

Requirement – GENERATE AC Response Analysis

3.11.3.6 If the Status Word returned by the card is different from ‘9000’
Then the Kernel shall return an End Application Outcome as
described in Section 3.13.7.

3.11.3.7 If the response to the GENERATE AC command is not parsed

correctly,
Or if a mandatory data element is missing (see Table 4-6),
Or if the format of a returned data element is incorrect,
Then the Kernel shall return a Declined Outcome as defined in
section 3.13.7.

3.11.4 Transaction Outcome

The Outcome is set for Approved or Declined, as per the card decision to the
second GENERATE AC command, with the parameters indicating the CVM
requirement (if any). The data elements for an EMV clearing record are made
available to the reader.

Requirement – Transaction Outcome

3.11.4.1 If the Cryptogram Information Data (Tag ‘9F27’) returned to the

second GENERATE AC indicates an AAC
Then the Kernel shall prepare a Declined Outcome as defined in
section 3.13.5.

3.11.4.2 If the Cryptogram Information Data (Tag ‘9F27’) returned to the

second GENERATE AC indicates a TC,
Then the Kernel shall prepare an Approved Outcome as defined in
section 3.13.1.
3.11.4.3 The Kernel shall retrieve the CVM parameter from the Online
Transaction Context.
If the value retrieved is equal to Online PIN
Then the CVM parameter in the Approved Outcome shall be set to
Not Applicable
Else the CVM parameter in the Approved Outcome is equal to the
value in the Online Transaction Context.
3.11.4.4 The Message Identifier parameter in the Approved Outcome (UI

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

Requirement – Transaction Outcome

Request on Outcome Present) shall take the following value:
If CVM = Obtain Signature
Then Message Identifier = ‘1A’ (“Approved, please sign”)
Else Message Identifier = ‘03’ (“Approved”)
3.11.4.5 The EMV Data Record (see Annex C) provided with the Approved
Outcome is populated as follows:
• Cryptogram Information Data (‘9F27’), ATC (‘9F36’),
Application Cryptogram, Issuer Application Data (‘9F10’) are
the values returned by the card to the second GENERATE AC
command
• TVR (‘95’) is the value updated during Issuer Update
Processing
• Other data elements are recovered from the Online
Transaction Context.

3.11.4.6 If the Dynamic Transaction Parameters provide at least one

occurrence of Issuer Script Template 2 (tag ‘72’)
Then the Kernel shall proceed with Section 3.11.5
Else the Kernel shall return the prepared Transaction Outcome.

3.11.5 Non-critical Script Processing

The Requirement below is executed when the Dynamic Transaction Parameters
provided to the Kernel (see Table 3-2) for restart contain at least one occurrence of
Issuer Script Template 2 (tag ‘72’):

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.11 Issuer Update Processing

Requirement – Non-critical Script Processing

3.11.5.1 The Kernel shall process each occurrence of Issuer Script Template
‘72’ sequencially, in the order provided by the terminal as part of
the Dynamic Transaction Parameters. Each occurrence is
processed as follows:
• The Kernel shall ensure that the Issuer Script Template can
be parsed correctly, according to the format described in
[EMV Book 3], Section 10.10.
If the parsing is incorrect
Then the Kernel shall:
o update TVR Byte 5 bit 5 to ‘1’ (‘Script processing
failed after final GENERATE AC’) in the Transaction
Outcome
o proceed with the next ‘72’ tag occurrence, if any.
• The Kernel shall deliver each command to the card as a
command APDU in the sequence in which it appears in the
Issuer Script.
If the card returns an error SW to any script command (SW1
≠ ’90’, ‘62’ and ‘63’)
Then the Kernel shall:
o terminate the delivery of commands from this Issuer
Script,
o update TVR Byte 5, bit 5 to ‘1’ (‘Script processing
failed after final GENERATE AC’) in the Transaction
Outcome
o proceed with the next ‘72’ tag occurrence, if any.

Requirement – Non-critical Script Processing Completion

3.11.5.2 Once all occurrences of Issuer Script Template ‘72’ have been
processed, the Kernel shall complete the transaction by returning
the Transaction Outcome prepared in Section 3.11.4.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.12 Error Handling

3.12 Error Handling

3.12.1 Processing Errors

Unless otherwise specified in the relevant transaction paragraph above, the
requirements in this section apply.
Processing errors for Completion (all modes) and Issuer Update are subject to
specific processing; please refer to the relevant sections (3.8 to 3.11).

Requirements – Processing Errors - Default

3.12.1.1 If the status bytes returned in the response to any command are
different from '9000' or other acceptable values as defined in
section 4,
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as defined in section 3.13.10.

3.12.1.2 If the response to a command is not parsed correctly as defined

for the command in section 4,
Or if a mandatory data element is missing,
Or if the format of a returned data element is incorrect,
Then the Kernel shall terminate the transaction and provide a
Select Next Outcome as defined in section 3.13.10.

This rule includes (but is not limited to) the data format errors
listed in [EMV Book 3] Section 7.5.

3.12.2 Communication Errors

Requirement – Communication Errors – General

3.12.2.1 If a Transmission, Protocol, or Timeout error as defined in Book D

is reported to the Kernel,
Then the Kernel shall terminate the transaction and provide an
End Application (with restart – Communication errors) Outcome
as described in section 3.13.8.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.12 Error Handling

Requirement – Communication Errors – First GENERATE AC

3.12.2.2 If a Transmission, Protocol, or Timeout error as defined in Book D

is reported to the Kernel during the first GENERATE APPLICATION
CRYPTOGRAM command of a transaction in EMV Mode,
Then the Kernel shall prepare the Recovery Context as follows:
• Set indicator ‘Recovering from Torn EMV Transaction’ to
value TRUE;
• Store the card Track 2 Equivalent Data value (Tag ‘57’) into
variable ‘Torn Track 2 Data’;
• If CDA has been requested by the Kernel, concatenate in
this order and store in variable ‘Torn CDA Hash Data Buffer’
o The values of the data elements specified by, and in
the order they appear in the PDOL, and sent by the
Kernel in the GET PROCESSING OPTIONS command
o The values of the data elements specified by, and in
the order they appear in the CDOL1, and sent by the
Kernel in the GENERATE AC command

3.12.2.3 The Reader shall retain the Recovery Context and make it available
to the Kernel for the next Kernel Activation.

The Kernel shall terminate the transaction and provide an End

Application (with restart – Communication errors) Outcome as
described in section 3.13.8.

Requirement – Communication Errors – Issuer Updates

3.12.2.4 If a Transmission, Protocol, or Timeout error as defined in Book D

is reported to the kernel while executing:
o critical Issuer Script commands (see Section 3.11.2)
o the second GENERATE AC command (see Section 3.11.3)
Then the Kernel shall return an End Application Outcome as
defined in Section 3.13.7.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.12 Error Handling

Requirement – Communication Errors – Issuer Updates

3.12.2.5 If a Transmission, Protocol, or Timeout error as defined in Book D

is reported to the Kernel while executing non-critical Issuer Script
commands (see Section 3.11.5),
Then the Kernel shall return the Transaction Outcome as
previously determined in Section 3.11.4 after the second
GENERATE AC command.

3.12.3 Transaction Cancellation

The Kernel may receive at any time a transaction cancellation order initiated by the
Merchant (attended terminal) or by the Cardholder (unattended terminal).

Requirement – Transaction cancellation by Reader

3.12.3.1 The Kernel shall be capable of receiving a cancellation order from

the reader at any time during transaction processing.
3.12.3.2 If a cancellation order is received from the reader
Then the Kernel shall:
- clear all internal Kernel variables
- terminate the transaction and provide an End Application
Outcome as defined in section 3.13.7.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13 Transaction Outcomes

3.13.1 Approved
Requirement – Approved Outcome

3.13.1.1 The Kernel shall make available to the POS system the data
elements necessary for an offline clearing record (cf. Annex C).

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

Requirement – Approved Outcome

3.13.1.2 The Kernel shall provide an Approved Outcome with the following
parameters:
Approved:
• Start: N/A
• Online Response Data: N/A
• CVM: No CVM/ Obtain Signature/ Confirmation Code Verified/
Online PIN, as applicable
• UI Request on Outcome Present: Yes
Message Identifier: as applicable
'03' (“Approved”)
'1A' (“Approved – Please Sign”)
Status: Card Read Successfully
[Value Qualifier: “Balance”]8
[Value: Offline Balance (Tag ‘9F5F’) returned by card ]
[Currency Code: Transaction Currency Code]
• UI Request on Restart Present: No
• Data Record Present: Yes
The minimum data requirements for ‘EMV Mode’ clearing
records are specified in Annex C.
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: Yes
• Field Off Request: N/A
• Removal Timeout: Zero

8Parameters in brackets [ ] are provided only if the card has returned the Offline Balance
(Tag ‘9F5F’) in the GENERATE AC response (EMV Mode only)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.2 Online Request

Requirement – Online Request Outcome

3.13.2.1 The Kernel shall prepare the data record for an online request
record (cf. Annex C) and make it available to the POS system.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

Requirement – Online Request Outcome

3.13.2.2 The Kernel shall provide an Online Request Outcome with the
following parameters:
Online Request:
• Start: N/A
• Online Response Data: N/A
• CVM: No CVM/ Obtain Signature/ Confirmation Code Verified/
Online PIN, as applicable
• UI Request on Outcome Present: Yes
Message Identifier: as applicable:
'1B' (“Authorising, Please Wait”)
'09' (“Please enter your PIN”)
Status: Card Read Successfully
[Value Qualifier: “Balance”]9
[Value: Offline Balance (Tag ‘9F5F’) returned by card ]
[Currency Code: Transaction Currency Code]
• UI Request on Restart Present: No
• Data Record Present: Yes
The minimum data requirements for online authorisation
records are specified in Annex C. Data requirements depend on
the Transaction Mode.
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

9Parameters in brackets [ ] are provided only if the card has returned the Offline Balance
(Tag ‘9F5F’) in the GENERATE AC response (EMV Mode only)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.3 Online Request (“Two Presentments”)

Requirement – Online Request Outcome (“Two Presentments”)

3.13.3.1 The Kernel shall prepare the data record for an online request
record (cf. Annex C) and make it available to the POS system.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

Requirement – Online Request Outcome (“Two Presentments”)

3.13.3.2 The Kernel shall provide an Online Request Outcome with the
following parameters:
Online Request:
• Start: B
• Online Response Data: EMV Data
• CVM: No CVM/ Obtain Signature/ Confirmation Code Verified/
Online PIN, as applicable
• UI Request on Outcome Present: Yes
Message Identifier: as applicable:
'1B' (“Authorising, Please Wait”)
'09' (“Please enter your PIN”)
Status: Card Read Successfully
[Value Qualifier: “Balance”]10
[Value: Offline Balance (Tag ‘9F5F’) returned by card ]
[Currency Code: Transaction Currency Code]
• UI Request on Restart Present: Yes
Message Identifier: '21' (“Present Card Again”)
Status: Ready to Read
• Data Record Present: Yes
The minimum data requirements for online authorisation
records are specified in Annex C. Data requirements depend on
the Transaction Mode.
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

10Parameters in brackets [ ] are provided only if the card has returned the Offline Balance
(Tag ‘9F5F’) in the GENERATE AC response (EMV Mode only)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.4 Online Request (“Present and Hold”)

Requirement – Online Request Outcome (“Present and Hold”)

3.13.4.1 The Kernel shall prepare the data record for an online request
record (cf. Annex C) and make it available to the POS system.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

Requirement – Online Request Outcome (“Present and Hold”)

3.13.4.2 The Kernel shall provide an Online Request Outcome with the
following parameters:
Online Request:
• Start: D
• Online Response Data: Any
• CVM: No CVM/ Obtain Signature/ Confirmation Code Verified,
as applicable / Online PIN
• UI Request on Outcome Present: Yes
Message Identifier: as applicable:
'1B' (“Authorising, Please Wait”)
'09' (“Please enter your PIN”)
Status: Processing
[Value Qualifier: “Balance”]11
[Value: Offline Balance (Tag ‘9F5F’) returned by card ]
[Currency Code: Transaction Currency Code]
• UI Request on Restart Present: Yes
Message Identifier: ‘16’ (“Processing”)
Status: Processing
• Data Record Present: Yes
The minimum data requirements for online authorisation
records are specified in Annex C. Data requirements depend on
the Transaction Mode.
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Removal Timeout (static Kernel
configuration parameter, see Table 3-1)

11Parameters in brackets [ ] are provided only if the card has returned the Offline Balance
(Tag ‘9F5F’) in the GENERATE AC response (EMV Mode only)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.5 Declined
Requirement – Declined Outcome

3.13.5.1 The Kernel shall provide a Declined Outcome with the following
parameters:
Declined:
• Start: N/A
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: Yes
Message Identifier: '07' (“Not Authorised”)
Status: Card Read Successfully
[Value Qualifier: “Balance”]12
[Value: Offline Balance (Tag ‘9F5F’) returned by card ]
[Currency Code: Transaction Currency Code]
• UI Request on Restart Present: No
• Data Record Present: Yes
The minimum data requirements for records associated to a
Declined Outcome are specified in Annex C.
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

12Parameters in brackets [ ] are provided only if the card has returned the Offline Balance
(Tag ‘9F5F’) in the GENERATE AC response (EMV Mode only)

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.6 Try Another Interface

Requirement – Try Another Interface Outcome

3.13.6.1 The Kernel shall provide a Try Another Interface Outcome with the
following parameters:
Try Another Interface :
• Start: N/A
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: Yes
Message Identifier: '1D' (“Please insert card”)
Status: Ready to Read
• UI Request on Restart Present: No
• Data Record Present: No
• Discretionary Data Present: No
• Alternate Interface Preference: Contact Chip
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.7 End Application

Requirement – End Application

3.13.7.1 The Kernel shall provide an End Application Outcome with the
following parameters:
End Application:
• Start: N/A
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: No
• UI Request on Restart Present: No
• Data Record Present: No
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

Notes:
• When this Outcome is returned as a first Final Outcome (e.g. transaction
cancellation by reader), the POS System determines the transaction
disposition as “Terminated” and advises the cardholder of the situation.
• When this Outcome is returned as a second Final Outcome (i.e. following an
Online Restart “present and hold” or “two presentments”), the POS System
determines the final transaction disposition based on the online authorisation
response from the Issuer, and indicates the final transaction disposition to the
cardholder.
See Book A, Section 6.3 for further details.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.8 End Application (with restart – communication error)

Requirement – Communication Errors

3.13.8.1 If the Kernel is informed of a contactless communication error,

Then the Kernel shall provide an End Application Outcome with
the following parameters:
End Application:
• Start: B
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: Yes
Message Identifier: '21' (“Present Card Again”)
Status: Processing Error
Hold Time: 13
• UI Request on Restart Present: Yes
Message Identifier: '21' (“Present Card Again”)
• Status: Ready to ReadData Record Present: No
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.9 End Application (with restart - On-Device CVM)

Requirement – On-Device CVM to be Performed

3.13.9.1 If the Kernel is informed that the transaction shall be reattempted

to allow entry of a Confirmation Code into a mobile device,
Then the Kernel shall provide an End Application Outcome with
the following parameters:
End Application:
• Start: B
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: Yes
Message Identifier: '20' (“See Phone for Instructions”)
Status: Processing Error
Hold Time: 13
• UI Request on Restart Present: Yes
Message Identifier: '21' (“Present Card Again”)
Status: Ready to Read
• Data Record Present: No
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: 13
• Removal Timeout: Zero

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.13 Transaction Outcomes

3.13.10 Select Next

Requirement – Select Next

3.13.10.1 The Kernel shall provide a Select Next Outcome with the following
parameters:
Select Next:
• Start: C
• Online Response Data: N/A
• CVM: N/A
• UI Request on Outcome Present: No
• UI Request on Restart Present: No
• Data Record Present: No
• Discretionary Data Present: No
• Alternate Interface Preference: N/A
• Receipt: N/A
• Field Off Request: N/A
• Removal Timeout: Zero

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

3.14 Torn Transaction Recovery

When a transaction performed in EMV mode is torn during the execution of the first
GENERATE AC command, it may be preferable to have the card repeat its last
GENERATE AC response (when available), instead of relaunching a new
transaction.This method reduces the impact of tearing on the cards, especially when
the card supports an offline stored value.
This section describes the sequence of requirements to follow in order to recover
from a torn transaction in EMV Mode.
The torn transaction recovery is successful when the same card is re-presented after
the torn transaction, and the card accepts the recovery (ECHO command).
If the Kernel detects by any means that a different card is presented, the transaction
is abandoned.
If the card is unable to process the ECHO command (function is deactivated, or
transaction tearing has occurred before the card could save the transaction context),
the Kernel resumes a regular transaction flow.
Payment applications on the card are designed to process the ECHO command only
once. If another communication error occurs during the transaction recovery flow,
cardholder is prompted to present the card again for a regular transaction flow.

Figure 3-1 provides an overview of the recovery transaction flow as well as the links
to the standard transaction flow.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

Figure 3-1 – Overview of the Recovery Transaction Flow

Recovery Transaction Flow

Format
errors? YES End
Legacy Application
Card?

NO
NOK Resume Standard
Comm. Error ECHO
Transaction Flow

OK

Transaction
Initialisation

End
Initiate Application Mag-stripe
Application
Comm GET PROC. OPTIONS Mode
(with Restart)
Error
EMV Mode

Read Appli. Data End

Comm. Error NOK
READ RECORD Application

OK

Same Card? NO

YES

Cryptogram? AAC Declined

TC/ARQC

CDA Verification NOK

CVM Process
(EMV Mode)

ARQC TC

Online
Approved
Request

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

3.14.1 SELECT Response Analysis

If the card SELECT response does not parse correctly, or the Kernel recognised the
card as a legacy card, this indicates that the represented card is not the same as in
the first presentment. The recovery transaction is rejected:

Requirement – SELECT Response Analysis

3.14.1.1 If the FCI is absent,

Or if the FCI is not parsed correctly (see table 45 in [EMV Book 1]),
Or if the PDOL data element is absent, or present but empty
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

3.14.1.2 If the card does not request the Terminal Compatibility Indicator
(Tag ’9F52’) in the PDOL (legacy card)
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

3.14.2 ECHO Command

Requirement – ECHO Command

3.14.2.1 The Kernel shall issue the ECHO command as described in

section 4.1.

3.14.2.2 If the card returns a Status Word different from ‘9000’

Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and resume with a normal transaction flow
from Requirement 3.2.1.5 onwards.

3.14.2.3 If a transmission, protocol, or timeout error is detected during

processing of the ECHO command,
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application (with restart –
Communication error) Outcome as described in Section 3.13.8.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

3.14.3 Transaction Initialisation

Requirement – Transaction Initialisation

3.14.3.1 The Kernel shall initialise the transaction data by applying

Requirements 3.2.1.5 through 3.2.1.8.

3.14.4 Initiate Application Processing

Requirement – Initiate Application

3.14.4.1 The Kernel shall initiate the application as described in section 3.3.
Note: the SW returned in case of successful processing during a
recovery transaction (warning SW=6200) differs from the SW
returned for a regular transaction (SW=9000).

3.14.4.2 If a transmission, protocol, or timeout error is detected in the GET

PROCESSING OPTIONS response,
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application (with restart –
Communication error) Outcome as described in Section 3.13.8.

3.14.4.3 If the result of Initiate Application (as per section 3.3) is a Select
Next outcome,
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

If the AIP indicates that the card has selected the Magstripe Mode, recovery of the
previously torn EMV transaction is impossible. This indicates that the cardholder has
probably changed the faulty card for another one. The recovery transaction is
rejected.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

Requirement – Magstripe Mode Filtering

3.14.4.4 If the Transaction Mode is set to ‘Magstripe Mode’

Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

3.14.5 Read Application Data

Requirement – Read Application Data

3.14.5.1 The Kernel shall read the application data as described in section
3.4.

3.14.5.2 If a transmission, protocol or timeout error is detected in any of

the READ RECORD response,
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application (with restart –
Communication error) Outcome as described in Section 3.13.8.

3.14.5.3 If the result of Read Application Data (as per section 3.4) is a Select
Next outcome,
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

Transaction Recovery can occur only if the card presented for the first – torn –
transaction is the same as the card presented for recovery. Thus the Kernel
compares the card account data from both transactions.

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

Requirement – Account Data Verification

3.14.5.4 The Kernel shall compare the Track 2 Equivalent Data value (Tag
‘57’) retrieved during 3.14.5.1 with the ‘Torn Track 2 Data’ from
the Recovery Context.
If the value of Track 2 Equivalent Data is not equal to the value of
‘Torn Track 2 Data’
Then the Kernel shall reset the Recovery Context as defined in
section 3.14.7 and provide an End Application Outcome as
described in Section 3.13.7.

3.14.6 Transaction Recovery Completion

Requirement – Transaction Recovery Completion

3.14.6.1 The Kernel shall proceed with CDA verification (when dynamic
signature is returned) and transaction completion, from
Requirement 3.8.1.8 onwards, with the following adjustments:
• the response to the GENERATE APPLICATION CRYPTOGRAM
command is replaced by the response to the ECHO
command
• verification of the CDA signature (requirement 3.8.2.1): the
Transaction Data Hash Code is created by the concatenation
in this order of:
o the ‘Torn CDA Hash Data Buffer’
o the tags, lengths, and values of the data elements returned
by the card in the response to the ECHO command in the
order they are returned - with the exception of the Signed
Dynamic Application Data.
3.14.6.2 The Kernel shall reset the Recovery Context as defined in section
3.14.7.

3.14.7 Reset Recovery Context

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EMV Contactless Book C-5 3 Transaction Processing
Kernel 5 Spec version 2.7 3.14 Torn Transaction Recovery

Requirement – Reset Recovery Context

3.14.7.1 The Kernel shall reset the Recovery Context as follows:

• reset the internal indicator ‘Recovering from Torn EMV
Transaction’ to value ‘FALSE’
• reset the ‘Torn Track 2 Data’ value (to zeroes)
• reset the ‘Torn CDA Hash Data Buffer’ value (to zeroes)

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4 APDU command description

This section describes the APDU command-response pairs that are used by the
Kernel during the transaction flow. These commands are summarized in below:

Table 4-1: List of APDU commands used by the Kernel

CLA INS Meaning Requirement

‘80’ ‘DF’ ECHO Conditional – if EMV Mode is

supported as an
implementation option
‘80’ ‘AE’ GENERATE APPLICATION Conditional – if EMV Mode
CRYPTOGRAM and/or Legacy Mode is
supported as an
implementation option
‘80’ ‘D0’ GET MAGSTRIPE DATA Mandatory
‘80’ ‘A8’ GET PROCESSING OPTIONS Mandatory
‘00’ ‘B2’ READ RECORD Mandatory
‘00’ ‘A4’ SELECT Mandatory

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.1 ECHO

Definition and Scope

The ECHO command is used by the Kernel to retrieve the latest GENERATE
APPLICATION CRYPTOGRAM response produced by the card.
It is used when the Kernel attempts to recover from a torn transaction in EMV Mode.

Command Message
The ECHO command message is coded as shown in Table 4-2:

Table 4-2: ECHO Command Message

Code Value

CLA ‘80’
INS ‘DF’
P1 ‘00’
P2 ‘00’
Lc Not present
Data Not present
Le ‘00’

Data Field Sent in the Command Message

The data field of the command message is not present.

Data Field Returned in the Response Message

In case of successful execution of the command, the response data is identical to the
response data generated by the card during the latest GENERATE APPLICATION
CRYPTOGRAM command.
Further details can be found in Section 4.2.
Processing State Returned in the Response Message

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

• '9000' indicates a successful execution of the command.

• ‘6985’ may indicate any of the following reasons:

o The command is not supported by the card,
o No recovery response is available from the card
o The ECHO command has already been played once for this
transaction, and cannot be replayed any longer

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.2 First GENERATE APPLICATION CRYPTOGRAM

Definition and Scope

The GENERATE APPLICATION CRYPTOGRAM command is used to complete a
transaction executed in EMV Mode or in Legacy Mode.
To a great extent, it inherits its scope and format from the same command defined in
[EMV Book 3].

Command Message
The GENERATE APPLICATION CRYPTOGRAM command is coded as described in
[EMV Book 3] Section 6.5.5.

Data Field Sent in the Command Message

As described in [EMV Book 3], the command data consists of the CDOL1 related
data. For further details, please refer to [EMV Book 3] Section 5.4.

Data Field Returned in the Response Message

The response data is formatted as described in [EMV Book 3] Section 6.5.5, with the
following additional specificities:
• Legacy Mode: Response data is returned as per Format 1 (the data
object returned in the response message is a primitive data object with tag
equal to '80')
• EMV Mode: Response data is returned as per Format 2 (the data
object returned in the response message is a constructed data object with tag
equal to '77'.). The data elements present in the response depend on the type
of cryptogram returned by the card.

Table 4-3: EMV Mode - Data Objects Included in Response to First GENERATE
AC for [TC returned] or [ARQC returned, CDA requested]

Tag Length Description Presence

'9F27' 1 Cryptogram Information Data M

'9F36' 2 Application Transaction Counter M

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Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

Tag Length Description Presence

'9F4B' NIC Signed Dynamic Application Data M

‘9F50’ 1 Cardholder Verification Status M
'9F10' Var. up to
Issuer Application Data O
32
‘9F5F’ 6 Offline Balance O
‘9F60’ 1 Issuer Update Parameter O

Table 4-4: EMV Mode - Data Objects Included in Response to First GENERATE
AC for [ARQC returned, CDA not requested]

Tag Length Description Presence

'9F27' 1 Cryptogram Information Data M

'9F36' 2 Application Transaction Counter M

'9F26' 8 Application Cryptogram (ARQC) M
‘9F50’ 1 Cardholder Verification Status M
'9F10' Var. up to
Issuer Application Data O
32
‘9F5F’ 6 Offline Balance O
‘9F60’ 1 Issuer Update Parameter O

Table 4-5: EMV Mode - Data Objects Included in Response to First GENERATE
AC for [AAC returned]

Tag Length Description Presence

'9F27' 1 Cryptogram Information Data M

'9F36' 2 Application Transaction Counter M

'9F26' 8 Application Cryptogram (AAC) M
'9F10' Var. up to
Issuer Application Data O
32

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Tag Length Description Presence

‘9F5F’ 6 Offline Balance O

Processing State Returned in the Response Message

• '9000' indicates a successful execution of the command.

• ‘6984’ indicates that the card prefers to conduct the transaction using the
contact chip interface

• ‘6985’ indicates that the conditions of use are not satisfied.

• ‘6986’ indicates that On-device Cardholder Verification is required (e.g. PIN

code shall be entered on mobile device)

• ‘6A80’ indicates that the command is badly formatted.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.3 Second GENERATE APPLICATION

CRYPTOGRAM

Definition and Scope

The Second GENERATE APPLICATION CRYPTOGRAM command may be required
during Issuer Update Processing for a transaction executed in EMV Mode.
To a great extent, it inherits its scope and format from the same command defined in
[EMV Book 3].

Command Message
The GENERATE APPLICATION CRYPTOGRAM command is coded as described in
[EMV Book 3] Section 6.5.5.

Data Field Sent in the Command Message

As described in [EMV Book 3], the command data consists of the CDOL2 related
data. For further details, please refer to [EMV Book 3] Section 5.4.

Data Field Returned in the Response Message

Response data is returned as per Format 2 (the data object returned in the response
message is a constructed data object with tag equal to '77'.). The data elements
present in the response depend on the type of cryptogram returned by the card.

Table 4-6: Data Objects Included in Response to Second GENERATE AC

Tag Length Description Presence

'9F27' 1 Cryptogram Information Data M

'9F36' 2 Application Transaction Counter M

'9F26' 8 Application Cryptogram (TC/AAC) M
'9F10' Var. up to
Issuer Application Data O
32
‘9F5F’ 6 Offline Balance O

Processing State Returned in the Response Message

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Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

• '9000' indicates a successful execution of the command.

• ‘6985’ indicates that the conditions of use are not satisfied.

• ‘6A80’ indicates that the command is badly formatted.

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Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.4 GET MAGSTRIPE DATA

Definition and Scope
The GET MAGSTRIPE DATA command is used to complete a transaction executed
in Magstripe Mode.
The Kernel transmits the transaction context in the input data. The card analyses the
transaction context, and returns the contents of Track 2 if it accepts to perform a
transaction in Magstripe Mode.
The Track 2 information returned by the card may be a dynamic data element. In this
case, the returned information also includes the decision of the card with regards to
the Cardholder Verification Method to apply for the transaction.

Command Message
The GET MAGSTRIPE DATA command message is coded as shown inTable 4-7:

Table 4-7: GET MAGSTRIPE DATA Command Message

Code Value

CLA ‘80’
INS ‘D0’
P1 ‘80’: Online Requested
‘00’: Decline Requested
P2 ‘00’
Lc Var.
Data Transaction-related data (MDOL-related
data )
Le ‘00’

Data Field Sent in the Command Message

The command data consists of the Magstripe Data Object List (MDOL) related data.
For further details, please refer to [EMV Book 3] Section 5.4.

Data Field Returned in the Response Message

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Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

The response data is formatted as described in [EMV Book 3] Section 5.4, with the
following additional specificities:

Table 4-8: Data Objects Included in Response to GET MAGSTRIPE DATA

Tag Length Description Presence

Var. up to
'57' Track 2 Equivalent Data M
19

Processing State Returned in the Response Message

• '9000' indicates a successful execution of the command, card requests an
online authorisation.

• ‘6300’ indicates a successful execution of the command, card declines the

transaction. As this Status Word is a warning, the response data must be
returned.

• ‘6985’ indicates that the conditions of use are not satisfied.

• ‘6986’ indicates that On-device Cardholder Verification is required (e.g. PIN

code shall be entered on mobile device)

• ‘6A80’ indicates that the command is badly formatted.

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Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.5 GET PROCESSING OPTIONS

Definition and Scope

The GET PROCESSING OPTIONS command is used to initialise the transaction
inside the card.
To a great extent, it inherits its scope and format from the same command defined in
[EMV Book 3].

Command Message
See [EMV Book 3] Section 6.5.8.

Data Field Sent in the Command Message

See [EMV Book 3] Section 6.5.8.

Data Field Returned in the Response Message

The response data is formatted as described in [EMV Book 3] Section 6.5.8, with the
following additional specificities:
• Legacy Mode: Response data is returned as per Format 1 (the data
object returned in the response message is a primitive data object with tag
equal to '80')
• EMV Mode: Response data is returned as per Format 2 (the data
object returned in the response message is a constructed data object with tag
equal to '77'.).
• Magstripe Mode: Response data is returned as per Format 2 (the data
object returned in the response message is a constructed data object with tag
equal to '77'.).
The data elements present in the response may depend on the Transaction Mode
selected by the card, as can be seen from the Table 4-9 below.
The Kernel shall ignore data objects other than those described in this table that may
be returned with Format 2.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

Table 4-9: Data Objects Included in Response to GET PROCESSING OPTIONS

Tag Presence Presence Presence

(format 2 Length Description Legacy EMV Magstripe
only) Mode Mode Mode

Application
'82' 2 Interchange Profile M M M
(AIP)
Application File
'94' Var. M M O
Locator (AFL)

Processing State Returned in the Response Message

• '9000' indicates a successful execution of the command during a normal

transaction.

• ‘6200’ (warning) indicates a successful execution of the command during a

torn transaction recovery.

• ‘6985’ indicates that the conditions of use are not satisfied.

• ‘6A80’ indicates that the command is badly formatted.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.6 READ RECORD

Definition and Scope

See [EMV Book 3] Section 6.5.11.

Command Message
See [EMV Book 3] Section 6.5.11.

Data Field Sent in the Command Message

See [EMV Book 3] Section 6.5.11.

Data Field Returned in the Response Message

See [EMV Book 3] Section 6.5.11.

Processing State Returned in the Response Message

See [EMV Book 3] Section 6.5.11.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

4.7 SELECT

Definition and Scope

See [EMV Book 1] Section 11.3.

Command Message
See [EMV Book 1] Section 11.3.

Data Field Sent in the Command Message

See [EMV Book 1] Section 11.3.

Data Field Returned in the Response Message

See [EMV Book 1] Section 11.3.

Processing State Returned in the Response Message

See [EMV Book 1] Section 11.3.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.1 Application Interchange Profile (AIP)

Annex A Coding of Data Elements Used in

Transaction Flow

A.1 Application Interchange Profile (AIP)

Table A-1: Application Interchange Profile

AIP Byte 1 (Leftmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

0 RFU
1 SDA Supported
1 DDA Supported
1 Cardholder verification is supported
1 Terminal risk management is to be
performed
1 Issuer authentication is supported
0 RFU
1 CDA Supported

AIP Byte 2 (Rightmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

1 EMV Mode has been selected

0 Magstripe Mode has been selected
1 OTA capable mobile device
x x x x x x Each bit RFU

Note: cards using Legacy Mode have a value of zero for AIP Byte 2.

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.2 Cardholder Verification Status

A.2 Cardholder Verification Status

Table A-2: Cardholder Verification Status

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

0 RFU
0 0 0 No CVM required
0 0 1 Signature (paper) is to be performed
0 1 0 Enciphered PIN verified online is to be
performed
0 1 1 On-Device CVM has been successfully
performed – method used is indicated
in bits b4-b1
1 0 0
1 0 1
RFU
1 1 0
1 1 1
x x x x On-Device CVM performed:
0000b – No On-Device CVM performed
0001b – Confirmation Code entered on
Mobile Device
Other values - RFU

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.3 Combination Options

A.3 Combination Options

Table A-3: Combination Options

Combination Options Byte 1 (Leftmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

0 RFU
1 Status Check supported
1 Offline Data Authentication supported
1 Exception File Check required13
1 Random Transaction Selection
supported
0 RFU
1 EMV Mode Supported14
1 Legacy Mode Supported15

Combination Options Byte 2 (Rightmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x x x Each bit RFU

13 Applies only if Exception File Check is supported as an Implementation Option

14 Applies only if EMV Mode is supported as an Implementation Option
15 Applies only if Legacy Mode is supported as an Implementation Option

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.4 CVM Results

A.4 CVM Results

Table A-4: CVM Results

CVM Results Byte 1

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x x x CVM Performed:
00011111b – No CVM required
00111111b – No CVM performed
00011110b – Signature
00000010b – Online PIN
00000001b – Plaintext PIN verification
performed by ICC or Confirmation
Code entered on Mobile Device
Other values – RFU

CVM Results Byte 2

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x x x CVM Condition:
00000000b –always
Other values – RFU

CVM Results Byte 3

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x x x CVM Result:
00000000b –unknown
00000010b – successful
Other values – RFU

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.4 CVM Results

Table A-5 shows the setting of CVM Results that correspond to each value of
OUTCOME Parameter CVM.

Table A-5: Setting of CVM Results

CVM Results
OUTCOME Parameter CVM
Byte 1 Byte 2 Byte 3

‘02’ –
No CVM ‘1F’ – No CVM required ‘00’
successful

Pbtain Signature ‘1E’ – Signature ‘00’ ‘00’ –unknown

Online PIN ‘02’ – Online PIN ‘00’ ‘00’ –unknown
‘01’ – Plaintext PIN ‘02’ –
Confirmation Code Verified ‘00’
verification successful

N/A ‘3F’ – No CVM performed ‘00’ ‘00’ –unknown

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.5 Issuer Update Parameter

A.5 Issuer Update Parameter

Table A-6: Issuer Update Parameter

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x Each bit RFU

0 0 Issuer Update is not expected, card
can be removed
0 1 Issuer Update is expected, card shall
be kept in RF field during authorisation
process
1 0 Issuer Update is expected, card shall
be presented again if necessary after
authorisation process
1 1 RFU

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.6 Terminal Compatibility Indicator

A.6 Terminal Compatibility Indicator

Table A-7: Terminal Compatibility Indicator

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x Each bit RFU

1 EMV Mode Supported
1 Magstripe Mode Supported

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EMV Contactless Book C-5 Annex A Coding of Data Elements Used in Transaction Flow
Kernel 5 Spec version 2.7 A.7 Terminal Interchange Profile (static/dynamic)

A.7 Terminal Interchange Profile (static/dynamic)

Table A-8: Terminal Interchange Profile

TIP Byte 1 (Leftmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

1 CVM required by reader / N/A16

1 Signature supported
1 Online PIN supported
1 On-Device CVM supported
0 RFU
1 Reader is a Transit Reader
1 EMV contact chip supported

1 (Contact Chip) Offline PIN supported

TIP Byte 2

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

1 Issuer Update supported17

x x x x x x x Each bit RFU

TIP Byte 3 (Rightmost)

b8 b7 b6 b5 b4 b3 b2 b1 Meaning

x x x x x x x x Each bit RFU

16This bit is not applicable for the static Terminal Interchange Profile data element. It is
dynamically set by Kernel 5 for the dynamic Terminal Interchange Profile data element.
17 Applies only if Issuer Update is supported as an Implementation Option

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Annex B Data Elements Dictionary

Table B-1: Data Elements Dictionary

Name Description Source Presence Format Specified Tag Length

Uniquely identifies the acquirer within each Configuration
Acquirer Identifier M n 6-11 EMV ‘9F01’ 6
payment system (POS)
Amount, Authorised Authorised amount of the transaction.
POS M n 12 EMV '9F02' 6
(Numeric) Requested in CDOL1.
Secondary amount associated with the
Amount, Other
transaction representing a cashback POS M n 12 EMV '9F03' 6
(Numeric)
amount. Requested in CDOL1.
Application Cryptogram returned by the card in
ICC C b EMV '9F26' 8
Cryptogram (AC) response of the GENERATE AC command
Application Currency Indicates the currency in which the account
ICC O n3 EMV ‘9F42’ 2
Code is managed according to ISO 4217
Application Effective Date from which the application may be
ICC O n6 EMV '5F25' 3
Date used
Date after which application expires. It shall
Application Expiration n6
be present for EMV Mode and Legacy ICC C EMV '5F24' 3
Date YYMMDD
Mode.
Application File Indicates the location (SFI, range of records) var. up
ICC C var. EMV '94'
Locator (AFL) of the AEFs related to a given application to 252

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Application
Indicates the capabilities of the card to Kernel 5
Interchange Profile ICC M b '82' 2
support specific functions in the application See A.1
(AIP)
Mnemonic associated with the AID
Application Label according to ISO/IEC 7816-5 (with the ICC M ans EMV '50' 1-16
special character limited to space)
Application Preferred
Preferred mnemonic associated with the AID ICC O ans EMV '9F12' 1-16
Name
Application Primary
cn var. up var. up
Account Number Valid cardholder account number ICC O EMV '5A'
to 19 to 10
(PAN)
Application Primary
Account Number Identifies and differentiates cards with the
ICC C n2 EMV '5F34' 1
(PAN) Sequence same PAN
Number
Application Priority Indicates the priority of a given application or
ICC O b EMV ‘87’ 1
Indicator group of applications in a directory
Application Counter maintained by the application in the
Transaction Counter card (incrementing the ATC is managed by ICC C b EMV '9F36' 2
(ATC) the card)
Indicates issuer‘s specified restrictions on
Application Usage
the geographic usage and services allowed ICC O b EMV '9F07' 2
Control
for the application
Code that defines the disposition of a
Authorisation message. ARC must be present if the Kernel
Issuer C an2 EMV ‘8A’ 2
Response Code is restarted after an Online Request
Outcome.
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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Card Risk List of data objects (tag and length) to be

var. up
Management Data passed to the card in the first GENERATE ICC M b EMV '8C'
to 252
Object List 1 (CDOL1) AC command
Card Risk List of data objects (tag and length) to be
var. up
Management Data passed to the card in the second ICC O b EMV '8D'
to 252
Object List 2 (CDOL2) GENERATE AC command
Indicates cardholder name according to ISO
Cardholder Name ICC O ans EMV '5F20' 2-26
7813
Cardholder
Identifies a method of verification of the var. up
Verification Method ICC C b EMV '8E'
cardholder supported by the application to 252
(CVM) List
Indicates the CVM choice (already done or
to be subsequently applied) for the
Cardholder Kernel 5
transaction. Choice is made dynamically by ICC C b ’9F50’ 1
Verification Status See A.2
card based on transaction context and card
risk management configuration.
Present (up to 5 different instances) if Offline
Data Authentication is supported for at least
one of the Combinations with this RID (EMV
Mode only).
Certification Authority Each CA Public Key in the list is composed Configuration
C b EMV - var.
Public Key of the following mandatory fields: (RID)
- CAPK Index (b, 1 byte)
- CAPK Modulus (b, max. 248 bytes)
- CAPK Exponent (b, 1 or 3 bytes)
- CAPK SHA-1 Checksum (b, 20 bytes)

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Identifies the certification authority’s public
Certification Authority
key in conjunction with the RID. Required for ICC C b EMV ‘8F’ 1
Public Key Index
EMV Mode.
Defines some acquirer options for the Configuration Kernel 5
Combination Options M b - 2
combination, e.g. modes supported (AID) See A.3
Used in Kernel 5 Terminal Risk
Contactless Floor Management (EMV Mode only). Present if Configuration
C n 12 Kernel 5 - 6
Limit the Combination supports Floor Limit Check (AID)
or Random Transaction Selection.
Contactless Used in Kernel 5 Terminal Risk Configuration
O n 12 Kernel 5 - 6
Transaction Limit Management (AID)
Cryptogram Indicates the type of cryptogram and the
Information Data actions to be performed by the terminal after ICC C b EMV '9F27' 1
(CID) the GENERATE AC command
Used in Kernel 5 Terminal Risk Configuration
CVM Required Limit O n 12 Kernel 5 - 6
Management (AID)
Indicates the results of the last CVM
CVM Results Kernel M b EMV '9F34' 3
performed
Attributes of the device that may be used to
identify the specific device where a payment
token is stored. Examples include secure
Device Information ICC O an EMV ‘9F6E’ var.
element ID and / or characteristics of the
device such as MAC address, operating
system version, language etc.
Dedicated File (DF) Identifies the name of the DF as described
ICC M b EMV '84' 5-16
Name in ISO/IEC 7816-4

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

File Control Issuer discretionary part of the FCI.

Information (FCI) This data element is mandatory for the var. up
ICC C var. EMV 'BF0C'
Issuer Discretionary PPSE application, and optional for the to 222
Data payment application.
File Control Identifies the data object proprietary to this
Information (FCI) specification in the FCI template according ICC M var. EMV 'A5' var.
Proprietary Template to ISO/IEC 7816-4
File Control
Identifies the FCI template according to var. up
Information (FCI) ICC M var. EMV '6F'
ISO/IEC 7816-4 to 252
Template
Integrated Circuit
Card (ICC) Public Key ICC Public Key certified by the issuer ICC C b EMV '9F46' NI
Certificate
Integrated Circuit ICC Public Key Exponent used for the
Card (ICC) Public Key verification of the Signed Dynamic ICC C b EMV '9F47' 1 to 3
Exponent Application Data
Integrated Circuit
Remaining digits of the ICC Public Key NIC -
Card (ICC) Public Key ICC C b EMV '9F48'
Modulus NI + 42
Remainder
Specifies the issuer‘s conditions that cause
Issuer Action Code - a transaction to be rejected if it might have
ICC O b EMV '9F0D' 5
Default been approved online, but the terminal is
unable to process the transaction online
Specifies the issuer‘s conditions that cause
Issuer Action Code -
the denial of a transaction without attempt to ICC O b EMV '9F0E' 5
Denial
go online

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Issuer Action Code - Specifies the issuer‘s conditions that cause

ICC O b EMV '9F0F' 5
Online a transaction to be transmitted online
Contains proprietary application data for
Issuer Application var. up
transmission to the issuer in an online ICC C b EMV '9F10'
Data (IAD) to 32
transaction.
Issuer Authentication Data sent to the card for online issuer
Issuer O b EMV ‘91’ 8-16
Data authentication.
Indicates the code table according to
Issuer Code Table
ISO/IEC 8859 for displaying the Application ICC C n2 EMV '9F11' 1
Index
Preferred Name
Indicates the country of the issuer according
Issuer Country Code ICC C n3 EMV '5F28' 2
to ISO 3166
Issuer Public Key Issuer public key certified by a certification
ICC C b EMV '90' NCA
Certificate authority
Issuer public key exponent used for the
Issuer Public Key
verification of the Signed Static Application ICC C b EMV '9F32' 1 to 3
Exponent
Data and the ICC Public Key Certificate
NI -
Issuer Public Key Remaining digits of the Issuer Public Key
ICC C b EMV '92' NCA +
Remainder Modulus
36
Issuer Script Contains a command for transmission to the Var. up
Issuer O b EMV ‘86’
Command card to 125
Issuer Script Identifier Identification of the Issuer Script Issuer O b EMV ‘9F18’ 4
Contains proprietary issuer data for
Issuer Script var. up
transmission to the ICC before the second Issuer O b EMV ‘71’
Template 1 to 128
GENERATE AC command

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Contains proprietary issuer data for
Issuer Script var. up
transmission to the ICC after the second Issuer O b EMV ‘72’
Template 2 to 128
GENERATE AC command
Parameter from the ICC to indicate the
behaviour/ergonomics (e.g. “present-and-
Issuer Update
hold” or “two presentments” or none) for ICC O b Kernel ‘9F60’ 1
Parameter
processing the results of the online
authorisation request
1-4 languages stored in order of preference,
each represented by 2 alphabetical
characters according to ISO 639.
Note: EMVCo strongly recommends that
Language Preference ICC O an 2 EMV '5F2D' 2-8
cards be personalised with data element
'5F2D' coded in lowercase, but that
terminals accept the data element whether it
is coded in upper or lower case.
Represents the last four digits of the
underlying PAN affiliated with the payment
Last 4 digits of PAN token. Its purpose is to support customer ICC O n8 EMV ‘9F25’ 4
service, for example digital wallet display or
receipt creation.
List of data objects (tag and length) to be
Magstripe Data var. up
passed to the card in the GET MAGSTRIPE ICC O b Kernel 5 '9F5C'
Object List (MDOL) to 252
DATA command
Maximum Target Value used in terminal risk management for
Percentage to be random transaction selection - present if the Configuration
C n2 EMV - 1
Used for Biased Combination supports Random Transaction (AID)
Random Selection Selection (EMV Mode only)

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Classifies the type of business being done
Merchant Category by the merchant, represented according to Configuration
O n4 EMV '9F15' 2
Code ISO 8583:1993 for Card Acceptor Business (POS)
Code
Merchant Name and Indicates the name and location of the Configuration
M ans EMV '9F4E' var.
Location merchant (POS)
In the case of a prepaid card, represents the
Offline Balance value stored in card. May be returned in the ICC O n 12 Kernel 5 ‘9F5F’ 6
GENERATE AC response.
A set of persistent data elements
representing the context of an ongoing
online transaction. The Online Transaction
Context is saved by the Kernel before
returning the Online Request outcome, and
is restored if Kernel is restarted for an Issuer
Online Transaction Update.
It consists of: Kernel C - Kernel - var.
Context
• CDOL2 value provided by card
• The CVM parameter returned with
the Online Request outcome
• The Transaction Record (EMV Mode
– see Annex C) returned with the
Online Request outcome
A non-financial reference assigned to each
Payment Account unique PAN and used to link a payment
ICC O an EMV ‘9F24’ 29
Reference account represented by that PAN to
affiliated payment tokens.

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Contains a list of terminal resident data

Processing Options
objects (tags and lengths) needed by the
Data Object List ICC M b EMV '9F38' var.
card in processing the GET PROCESSING
(PDOL)
OPTIONS command
Contains the contents of the record read.
READ RECORD
(Mandatory for SFIs 1-10. Response var. up
Response Message ICC C var. EMV '70'
messages for SFIs 11-30 are outside the to 252
Template
scope of EMV, but may use template '70')
‘Recovering from Internal Kernel variable (Boolean) set to
Torn EMV TRUE when the Kernel attempts to recover Kernel 5 C - Kernel 5 - -
Transaction’ Flag from a torn transaction (EMV Mode only)
A set of persistent Kernel 5 parameters
involved in the management of torn EMV
transactions. It consists of:
Recovery Context - ‘Recovering from Torn EMV Kernel 5 C - Kernel 5 - -
Transaction’ Flag
- ‘Torn Track 2 Data’
- ‘Torn CDA Hash Data Buffer’
Present if the Combination supports Issuer
Update as Acquirer Option (EMV Mode
only).
In case of Online Request with “Present and Configuration
Removal Timeout C n4 Kernel - 2
Hold” outcome, this parameter corresponds (AID)
to the time after which cardholder is asked
to remove the card.
Value is given in units of 100ms.
Contains the data objects (without tags and
Response Message
lengths) returned by the ICC in response to ICC C var. EMV ‘80’ var.
Template Format 1
a command
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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Contains the data objects (with tags and
Response Message
lengths) returned by the ICC in response to ICC C var. EMV ‘77’ var.
Template Format 2
a command
Signed Dynamic Digital signature on critical application
ICC C b EMV '9F4B' NIC
Application Data parameters for DDA or CDA
List of tags of primitive data objects defined
Static Data
in this specification whose value fields are to
Authentication Tag ICC C — EMV '9F4A' var.
be included in the Signed Static or Dynamic
List
Application Data
Value used in terminal risk management for
Target Percentage to
random transaction selection. Present if the Configuration
be Used for Biased C n2 EMV - 1
Combination supports Random Transaction (AID)
Random Selection
Selection (EMV Mode only)
Terminal Action Code Used in Kernel 5 Terminal Action Analysis Configuration
O b EMV - 5
- Default (EMV Mode only) (AID)
Terminal Action Code Configuration
Used in Kernel 5 Terminal Action Analysis O b EMV - 5
- Denial (AID)
Terminal Action Code Used in Kernel 5 Terminal Action Analysis Configuration
O b EMV - 5
- Online (EMV Mode only) (AID)
Terminal Indicates to the card the transaction modes Kernel 5
Kernel 5 M b '9F52' 1
Compatibility Indicator (EMV, Magstripe) supported by the Kernel See A.4
Indicates the country of the terminal,
Terminal Country Configuration
represented according to ISO 3166. M n3 EMV '9F1A' 2
Code (POS)
Requested in CDOL1.

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Defines the reader CVM requirement and

Terminal Interchange capabilities, as well as other reader Kernel 5
Kernel 5 M b '9F53' 3
Profile (dynamic) capabilities (online capability, contact EMV See A.5
capability) for the Transaction
Defines the Cardholder Verification Methods
Terminal Interchange and other reader capabilities (online Configuration Kernel 5
M b - 3
Profile (static ) capability, contact EMV capability) for the (AID) See A.5
Combination
Indicates the environment of the terminal, its
Configuration
Terminal Type communications capability, and its M n2 EMV '9F35' 1
(POS)
operational control
Terminal Verification Status of the different functions as seen EMV /
Kernel 5 M b '95' 5
Results (TVR) from the terminal Kernel 5
Value used in terminal risk management for
Threshold Value for
random transaction selection. Present if the Configuration
Biased Random C n 12 EMV - 6
Combination supports Random Transaction (AID)
Selection
Selection (EMV Mode only)
An 11-digit numeric value that identifies
each unique combination of token requestor
Token Requestor ID ICC O n 22 EMV ‘9F19’ 11
and token domain(s) for a given token
service provider.
A copy of the PDOL related data and
CDOL1 related data sent to the card during
Torn CDA Hash Data a torn transaction in EMV Mode. This copy Var. up
Kernel 5 C Kernel 5 -
Buffer is used to verify the CDA signature during to 507
the subsequent transaction recovery
process.

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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

A copy of the card Track 2 Equivalent Data,
kept by the Kernel after a torn transaction in
Var. up
Torn Track 2 Data EMV Mode to ensure that the card Kernel 5 C b Kernel 5 -
to 19
presented for recovery is the same as for
the torn transaction
Track 1 Discretionary Discretionary part of track 1 according to
ICC O ans EMV '9F1F' var.
Data ISO/IEC 7813
Contains the data elements of track 2
Track 2 Equivalent according to ISO/IEC 7813, excluding start Var. up
ICC M b EMV '57'
Data sentinel, end sentinel, and Longitudinal to 19
Redundancy Check (LRC)
Indicates the currency code of the
Transaction Currency Configuration
transaction according to ISO 4217. M n3 EMV '5F2A' 2
Code (POS)
Requested in CDOL1.
Indicates the implied position of the decimal
point from the right of the transaction
Transaction Currency Configuration
amount represented according to ISO 4217. M n1 EMV ‘5F36’ 1
Exponent (POS)
Required to determine if Status Check is
requested.
Local date that the transaction was
Transaction Date POS M n6 EMV '9A' 3
authorised. Requested in CDOL1.
An internal Kernel indicator storing the
transaction mode selected for conducting
the transaction. It admits the following
values:
Transaction Mode Kernel 5 M - Kernel 5 - -
- Undefined Mode
- EMV Mode
- Magstripe Mode
- Legacy Mode
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EMV Contactless Book C-5 Annex B Data Elements Dictionary
Kernel 5 Spec v2.7

Name Description Source Presence Format Specified Tag Length

Local time that the transaction was n6
Transaction Time POS M EMV ‘9F21’ 3
authorised HHMMSS
Indicates the type of financial transaction,
represented by the first two digits of the ISO
8583:1987 Processing Code. Requested in
CDOL1. Possible values are:
Transaction Type POS M n2 EMV '9C' 1
- '00' for a purchase transaction
- ‘01’ for a cash advance transaction
- ‘09’ for a purchase with cashback
- ‘20’ for a refund transaction
Value to provide variability and uniqueness
Unpredictable
to the generation of a cryptogram. POS M b EMV '9F37' 4
Number
Requested in CDOL1.

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EMV Contactless Book C-5 Annex C Kernel 5 Transaction Record
Kernel 5 Spec v2.7

Annex C Kernel 5 Transaction Record

Table C-1 lists the minimum data elements in the data record returned to the Entry Point, depending on the Transaction Mode (EMV,
Legacy, Magstripe) and the Transaction Outcome (Approved, Online Request, Declined).
Data elements that are mentioned as ‘Conditional’ (‘C’) shall be present in the Transaction Record whenever they are provided by the
card.

Table C-1: Minimum Data Elements returned as Transaction Record

Data Element Name Tag Source Approved & Online Online Request Declined (all
Request (EMV & (Magstripe Mode) modes)
Legacy Mode)

Amount, Authorised (Numeric) '9F02' POS M M -

Amount, Other (Numeric) '9F03' POS M M -
Application Cryptogram (AC) '9F26' Card M - -
Application Interchange Profile (AIP) '82' Card M - -
Application PAN Sequence Number '5F34' Card C - -
Application Transaction Counter (ATC) '9F36' Card M - -
Cardholder Name '5F20' Card C C -
CVM Results ‘9F34' Kernel 5 M M -

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EMV Contactless Book C-5 Annex C Kernel 5 Transaction Record
Kernel 5 Spec v2.7

Data Element Name Tag Source Approved & Online Online Request Declined (all
Request (EMV & (Magstripe Mode) modes)
Legacy Mode)

Cryptogram Information Data (CID) '9F27' Card M - -

Issuer Application Data (IAD) '9F10' Card M - -
Transaction Mode18 - Kernel 5 M M -
Terminal Country Code ‘9F1A’ POS M M -
Terminal Verification Results (TVR) '95' Kernel 5 M - -
Track 1 Discretionary Data '9F1F' Card C C -
Track 2 Equivalent Data '57' Card M M M
Transaction Currency Code '5F2A' POS M M -
Transaction Date ‘9A’ POS M M -
Transaction Time ‘9F21’ POS M M -
Transaction Type '9C' POS M M -
Unpredictable Number (UN) '9F37' POS M - -

18Transaction Mode is used by the reader to map the POS Entry Mode data element in the authorisation/clearing message, according to Payment
System rules.
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Annex D Default Terminal Action Code values EMV Contactless Book C-5
Kernel 5 Spec v2.7

Annex D Default Terminal Action Code values

This section details the coding of the default Terminal Action Code values that the
Kernel shall use in case the Acquirer has not explicitly parameterised other values for
the Combination.

Table D-1: Default Terminal Action Code values

Terminal Action Code - Byte 1 (Leftmost)

Meaning Denial Online Default

Offline data authentication was not performed 0 1 1

SDA failed 0 0 0
ICC data missing 0 0 0
Card appears on terminal exception file 0 1 1
DDA failed 0 0 0
CDA failed 1 0 0
RFU 0 0 0
RFU 0 0 0

Terminal Action Code - Byte 2

Meaning Denial Online Default

ICC and terminal have different application 0 0 0

versions
Expired application 0 1 1
Application not yet effective 0 1 0
Requested service not allowed for card 1 0 0
product
New card 0 0 0
RFU 0 0 0
RFU 0 0 0
RFU 0 0 0

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Annex D Default Terminal Action Code values EMV Contactless Book C-5
Kernel 5 Spec v2.7

Terminal Action Code - Byte 3

Meaning Denial Online Default

Cardholder verification was not successful 0 0 0

Unrecognised CVM 0 0 0
PIN Try Limit exceeded 0 0 0
PIN entry required and PIN pad not present or 0 0 0
not working
PIN entry required, PIN pad present, but PIN 0 0 0
was not entered
Online PIN entered 0 0 0
RFU 0 0 0
RFU 0 0 0

Terminal Action Code - Byte 4

Meaning Denial Online Default

Transaction exceeds floor limit 0 1 1

Lower consecutive offline limit exceeded 0 0 0
Upper consecutive offline limit exceeded 0 0 0
Transaction selected randomly for online 0 1 0
processing
Merchant forced transaction online 0 0 0
RFU 0 0 0
RFU 0 0 0
RFU 0 0 0

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Annex D Default Terminal Action Code values EMV Contactless Book C-5
Kernel 5 Spec v2.7

Terminal Action Code - Byte 5 (Rightmost)

Meaning Denial Online Default

Default TDOL used 0 0 0

Issuer authentication failed 0 0 0
Script processing failed before final 0 0 0
GENERATE AC
Script processing failed after final GENERATE 0 0 0
AC
RFU 0 0 0
RFU 0 0 0
RFU 0 0 0
RFU 0 0 0

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Annex E Glossary EMV Contactless Book C-5
Kernel 5 Spec v2.7

Annex E Glossary
This is a glossary of terms and abbreviations used in this specification. For
descriptions of data elements, see Annex A.

a Alphabetic

AAC Application Authentication Cryptogram

AC Application Cryptogram

Acquirer A financial institution that signs a merchant (or disburses

currency to a cardholder in a cash disbursement) and directly or
indirectly enters the resulting transaction into interchange.

AFL Application File Locator

AID Application Identifier

AIP Application Interchange Profile

Application Cryptogram returned by the card; one of the following cryptogram

Cryptogram types:

AAC Application Authentication Cryptogram

ARQC Authorisation Request Cryptogram
TC Transaction Certificate

Approved A Final Outcome

ARQC Authorisation Request Cryptogram

ATC Application Transaction Counter

b Binary

C Conditional

Card As used in these specifications, a consumer device supporting

contactless transactions. It may be a plastic card, a mobile
phone, a key fob, a watch or any other suitable form factor

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Annex E Glossary EMV Contactless Book C-5
Kernel 5 Spec v2.7

Cardholder An individual to whom a card is issued or who is authorised to

use that card.

Cardholder A method used to confirm the identity of a cardholder.

Verification
Method (CVM)

CDOL Card Risk Management Data Object List

Chip Grade An operating mode of the POS System that indicates that this
particular acceptance environment and acceptance rules
supports chip infrastructure.

CID Cryptogram Information Data

CL Contactless

cn Compressed Numeric

Combination Any of the following:

For: The combination of:
a card • an ADF Name
• a Kernel Identifier
a reader • an AID
• a Kernel ID
the Candidate List • an ADF Name
for final selection • a Kernel ID
• the Application Priority
Indicator (if present)
• the Extended Selection
(if present)

Contactless See “Card”.

card

CVM Cardholder Verification Method

Declined A Final Outcome

DOL Data Object List

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Annex E Glossary EMV Contactless Book C-5
Kernel 5 Spec v2.7

EMV® A global standard for credit and debit payment cards based on
chip card technology. The EMV Integrated Circuit Card
Specifications for Payment Systems are developed and
maintained by EMVCo.

EMV Mode One of the three Kernel 5 transaction modes. EMV Mode is
selected for the transaction in a chip grade acceptance, when
also supported by the card.

EMVCo EMVCo LLC is the organisation of payment systems that

manages, maintains, and enhances the EMV specifications.
EMVCo is currently operated by American Express, Discover,
JCB, MasterCard, UnionPay and Visa.

End Application A Final Outcome

F Format

GPO GET PROCESSING OPTIONS command

IAD Issuer Application Data

ICC Integrated Circuit Card

Issuer A financial institution that issues contactless cards or contactless

payment applications that reside in consumer devices.

Kernel The Kernel contains interface routines, security and control

functions, and logic to manage a set of commands and
responses to retrieve the necessary data from a card to complete
a transaction. The Kernel processing covers the interaction with
the card between the Final Combination Selection (excluded) and
the Outcome Processing (excluded).

Kernel ID Identifier to distinguish between different Kernels that may be

supported by the reader.

Kernel Identifier Identifier to distinguish between different Kernels that may be

indicated by the card.

L Length

Legacy Mode One of the three Kernel 5 transaction modes. EMV Mode is
selected for the transaction in a chip grade acceptance, when the
card is a legacy card.

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Annex E Glossary EMV Contactless Book C-5
Kernel 5 Spec v2.7

M Mandatory

Magstripe Mode One of the three Kernel 5 transaction modes. EMV Mode is
selected for the transaction in a magstripe grade acceptance, or
when EMV Mode is not supported by the card.

MDOL Magstripe Data Object List

n Numeric

N/A Not Applicable; a possible value for several Outcome and Final
Outcome parameters

O Optional

Online PIN A method of PIN verification where the PIN entered by the
cardholder into the terminal PIN pad is encrypted and included in
the online authorisation request message sent to the issuer.

Online Request A Final Outcome

Outcome Result from the Kernel processing, provided to Entry Point, or

under exception conditions, result of Entry Point processing. In
either case, a primary value with a parameter set.

PAN Primary Account Number

PDOL Processing Options Data Object List

PIN Personal Identification Number

POS Point of Sale

Reader A component of the POS System; described in detail in Book A

Select Next An Outcome

SFI Short File Identifier

T Tag

TC Transaction Certificate

Terminal A component of the POS System; described in detail in Book A

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Annex E Glossary EMV Contactless Book C-5
Kernel 5 Spec v2.7

Transaction The reader-card interaction between the first presentment of the

card and the decision on whether the transaction is approved or
declined. If the transaction is authorised online, this may involve
multiple presentments of the card on the reader.

Try Again An Outcome

Try Another A Final Outcome

Interface

TVR Terminal Verification Results

UN Unpredictable Number

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