If the same card is presented again – and so it matches those in the torn transaction log – then instead of a GENAC command the terminal will instead issue a Recover Application Cryptogram command. If the terminal is configured to support Torn Transaction Logs then the kernel will store the transaction details if tearing occurs whilst it is awaiting the card’s response to a GENAC command.Īfter a torn transaction the kernel prompts for the card to be presented again. Torn TransactionsĪ Torn Transaction is where the cardholder removes the card from the reader before the transaction has been completed (this is also called Tearing).
#Emv card field Offline
If both the terminal and the card support the CDA method of Offline Data Authentication, then it will always be performed. Unlike Mag-Stripe Mode, EMV Mode transactions support Offline Data Authentication, Terminal Risk Management, Terminal Action Analysis and Application Cryptogram processing. This is to optimise the contactless transaction performance by reducing the amount of time the card is required to remain in the RF field. However, unlike for contact transactions, not all the transaction processing occurs before the card exchanges have been completed. Once all of these exchanges have been completed, the card can be removed from the RF field. The commands exchanged with the card for EMV Mode closely resemble those used for an EMV contact transaction, with Read Record commands being used to retrieve all the card data, followed by a Generate Application Cryptogram (GENAC) request to obtain a unique, transaction-specific, cryptogram from the card. The AIP also determines if “On-device cardholder verification” (CDCVM) is supported. In the response from the card a data object called the Application Interchange Profile (AIP) determines whether the transaction will continue in either EMV Mode or Mag-Stripe Mode. After Entry Point has initiated a transaction the MasterCard Kernel issues a Get Processing Options command. This means, precautions have been implemented for the terminal side.Contactless MasterCard transactions can be performed in either EMV mode or Mag-Stripe mode. The focus being the correct negotiation of basic parameters, like the bitrate. Many problems, however, could be avoided right from the start, by testing! COMPRION offers test solutions for contact-based communication.Īs of July 1, 2018, payment terminals must be certified according to the updated version “4.3c“ of the EMVCo Level 1 Tests for the protocol layer.
If card and payment terminal do not interact seamlessly, and the payment transaction is aborted, then this is bad for the client and the merchant. Interoperability – the Be-All and End-All of Good Consumer Acceptance Faulty communication may be caused by both communication partners: by the card or the payment device.
“However,“ says Swantje Missfeldt, COMPRION EMV Business Development Manager, “we keep hearing of interoperability issues in the field.“ This is caused by the new cards, which often do not optimally interact with their counterparts, the (partly) old POS terminals at the shop. Due to the EMV chip, the card itself and consequently the communication between card and payment terminal are safer. Migration of magnetic stripe cards to new EMV chip cards leads to communication problems in the fieldįor some years now, banks have been offering their customers safe EMV cards instead of magnetic stripe cards.