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Book 1 – Application Independent ICC to Terminal Interface Requirements

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EMV Integrated Circuit Card Specifications for Payment Systems Book 1 Application Independent ICC to Terminal Interface Requirements Version 4.3 November 2011

EMV®* Integrated Circuit Card Specifications for Payment Systems Book 1 Application Independent ICC to Terminal Interface Requirements Version 4.3 November 2011 * EMV is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo.

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements © 2011 EMVCo, LLC (“EMVCo”). All rights reserved. Any and all uses of these Specifications are subject to the terms and conditions of the EMVCo Terms of Use agreement available at www.emvco.com. 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 NONINFRINGEMENT, 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.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Revision Log

  • Version 4.3 The following changes have been made to Book 1 since the publication of Version 4.2. Numbering and cross references in this version have been updated to reflect changes introduced by the published bulletins. Incorporated changes described in the following Specification Updates: Specification Update Bulletin no. 68: ‘61 La’ response when using T=1 Specification Update Bulletin no. 69 Second Edition: Padding of BER-TLV Encoded Constructed Data Objects Specification Update Bulletin no. 71 Second Edition: Change the status of the ‘Presence’ of the Application Label data element in the FCI of an ADF to mandatory Incorporated changes described in the following Specification Bulletins: Specification Bulletin no. 75: Terminal AID Specification Bulletin no. 78: Removal of DDF Entries from PSE Records Specification Bulletin no. 88: Application Selection Updates Minor editorial clarifications, including those described in the following Specification Bulletin: Specification Bulletin no. 80: Editorial Errors in Release 4.2 of the EMV Specifications November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Part I
  • General Contents 1 Scope 3 1.1 Changes in Version 4.2 3 1.2 Structure 3 1.3 Underlying Standards 4 1.4 Audience 4 2 Normative References 5 3 Definitions 9 4 Abbreviations, Notations, Conventions, and Terminology 19 4.1 Abbreviations 19 4.2 Notations 27 4.3 Data Element Format Conventions 29 4.4 Terminology 31 Part II
  • Electromechanical Characteristics, Logical Interface, and Transmission Protocols 5 Electromechanical Interface 35 5.1 Lower Voltage ICC Migration 36 5.2 Mechanical Characteristics of the ICC 37 5.2.1 Physical Characteristics 37 5.2.2 Dimensions and Location of Contacts 38 5.2.3 Contact Assignment 39 5.3 Electrical Characteristics of the ICC 40 5.3.1 Measurement Conventions 40 5.3.2 Input/Output (I/O) 40 5.3.3 Programming Voltage (VPP) 42 5.3.4 Clock (CLK) 43 5.3.5 Reset (RST) 44 5.3.6 Supply Voltage (VCC) 45 5.3.7 Contact Resistance 46 5.4 Mechanical Characteristics of the Terminal 47 5.4.1 Interface Device 47 5.4.2 Contact Forces 48 5.4.3 Contact Assignment 48 5.5 Electrical Characteristics of the Terminal 48 November 2011 Page v EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.5.1 Measurement Conventions 48 5.5.2 Input/Output (I/O) 49 5.5.3 Programming Voltage (VPP) 51 5.5.4 Clock (CLK) 52 5.5.5 Reset (RST) 53 5.5.6 Supply Voltage (VCC) 54 5.5.7 Contact Resistance 56 5.5.8 Short Circuit Resilience 56 5.5.9 Powering and Depowering of Terminal with ICC in Place 57 6 Card Session 59 6.1 Normal Card Session 59 6.1.1 Stages of a Card Session 59 6.1.2 ICC Insertion and Contact Activation Sequence 59 6.1.3 ICC Reset 61 6.1.4 Execution of a Transaction 62 6.1.5 Contact Deactivation Sequence 63 6.2 Abnormal Termination of Transaction Process 64 7 Physical Transportation of Characters 65 7.1 Bit Duration 65 7.2 Character Frame 66 8 Answer to Reset 69 8.1 Physical Transportation of Characters Returned at Answer to Reset 69 8.2 Characters Returned by ICC at Answer to Reset 70 8.3 Character Definitions 72 8.3.1 TS
  • Initial Character 73 8.3.2 T0
  • Format Character 74 8.3.3 TA1 to TC3
  • Interface Characters 74 8.3.4 TCK
  • Check Character 83 8.4 Terminal Behaviour during Answer to Reset 83 8.5 Answer to Reset
  • Flow at the Terminal 85 9 Transmission Protocols 87 9.1 Physical Layer 87 9.2 Data Link Layer 88 9.2.1 Character Frame 88 9.2.2 Character Protocol T=0 88 9.2.3 Error Detection and Correction for T=0 92 9.2.4 Block Protocol T=1 93 9.2.5 Error Detection and Correction for T=1 103 9.3 Terminal Transport Layer (TTL) 106 9.3.1 Transport of APDUs by T=0 106 9.3.2 Transportation of APDUs by T=1 114 November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 9.4 Application Layer 9.4.1 9.4.2 C-APDU R-APDU Part III
  • Files, Commands, and Application Selection 10 Files 10.1 File Structure 10.1.1 10.1.2 10.1.3 10.1.4 Application Definition Files Application Elementary Files Mapping of Files onto ISO/IEC 7816-4 File Structure Directory Structure 10.2 File Referencing 10.2.1 Referencing by Name 10.2.2 Referencing by SFI 11 Commands 11.1 Message Structure 11.1.1 Command APDU Format 11.1.2 Response APDU Format 11.2 READ RECORD Command-Response APDUs 11.2.1 11.2.2 11.2.3 11.2.4 11.2.5 Definition and Scope Command Message Data Field Sent in the Command Message Data Field Returned in the Response Message Processing State Returned in the Response Message 11.3 SELECT Command-Response APDUs 11.3.1 11.3.2 11.3.3 11.3.4 11.3.5 Definition and Scope Command Message Data Field Sent in the Command Message Data Field Returned in the Response Message Processing State Returned in the Response Message 12 Application Selection 12.1 Overview of Application Selection 12.2 Data in the ICC Used for Application Selection 12.2.1 12.2.2 12.2.3 12.2.4 Coding of Payment System Application Identifier Structure of the PSE Coding of a Payment System Directory Error Handling for FCI Response Data 12.3 Building the Candidate List 12.3.1 Matching Terminal Applications to ICC Applications November 2011 114 115 116 119 119 119 120 120 120 121 121 121 123 123 124 125 125 125 126 126 126 126 127 127 128 129 129 131 133 133 135 135 136 137 139 140 140

12.3.2 Using the PSE 12.3.3 Using a List of AIDs 12.4 Final Selection EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 141 144 147 Part IV

  • Annexes Annex A Examples of Exchanges Using T=0 151 A1 Case 1 Command 151 A2 Case 2 Command 152 A3 Case 3 Command 152 A4 Case 4 Command 152 A5 Case 2 Command Using the '61' and '6C' Procedure Bytes 153 A6 Case 4 Command Using the '61' Procedure Byte 153 A7 Case 4 Command with Warning Condition 154 Annex B Data Elements Table 155 B1 Data Elements by Name 155 B2 Data Elements by Tag 161 Annex C Examples of Directory Structures 163 C1 Single Application Card 163 C2 Single Level Directory 164 C3 Multi-Level Directory 165 C4 Coding of Proprietary Directories 165 Part V
  • Common Core

Definitions

Common Core Definitions 169 Changed Sections 169 11 Commands 170 11.3 SELECT Command-Response APDUs 170 11.3.5 Processing State Returned in the Response Message 170 Index 171

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Tables Table 1: Lower Voltage Card Migration 36 Table 2: ICC Contact Assignment 39 Table 3: Electrical Characteristics of I/O for ICC Reception 41 Table 4: Electrical Characteristics of I/O for ICC Transmission 42 Table 5: Electrical Characteristics of CLK to ICC 43 Table 6: Electrical Characteristics of RST to ICC 44 Table 7: Classes of Operation 45 Table 8: Mandatory and Optional Operating Voltage Ranges 46 Table 9: IFD Contact Assignment 48 Table 10: Electrical Characteristics of I/O for Terminal Transmission 50 Table 11: Electrical Characteristics of I/O for Terminal Reception 51 Table 12: Electrical Characteristics of CLK from Terminal 52 Table 13: Electrical Characteristics of RST from Terminal 53 Table 14: Terminal Supply Voltage and Current 55 Table 15: Basic ATR for T=0 Only 70 Table 16: Basic ATR for T=1 Only 71 Table 17: Terminal Behaviour 73 Table 18: Basic Response Coding of Character T0 74 Table 19: Basic Response Coding of Character TB1 76 Table 20: Basic Response Coding of Character TC1 77 Table 21: Basic Response Coding of Character TD1 78 Table 22: Basic Response Coding of Character TD2 80 Table 23: Basic Response Coding of Character TA3 81 Table 24: Basic Response Coding of Character TB3 82 Table 25: Terminal Response to Procedure Byte 90 Table 26: Status Byte Coding 91 Table 27: Structure of a Block 93 Table 28: Types of Blocks 94 Table 29: Coding of the PCB of an I-block 95 Table 30: Coding of the PCB of a R-block 95 Table 31: Coding of the PCB of a S-block 95 Table 32: Structure of Command Message 113 Table 33: GET RESPONSE Error Conditions 113 Table 34: Definition of Cases for Data in APDUs 114 Table 35: C-APDU Structures 115 Table 36: Command APDU Content 124 Table 37: Response APDU Content 125 Table 38: READ RECORD Command Message 126 Table 39: READ RECORD Command Reference Control Parameter 126 Table 40: SELECT Command Message 128 Table 41: SELECT Command Reference Control Parameter 128 Table 42: SELECT Command Options Parameter 128 Table 43: SELECT Response Message Data Field (FCI) of the PSE 129 Table 44: SELECT Response Message Data Field (FCI) of a DDF 130 Table 45: SELECT Response Message Data Field (FCI) of an ADF 131 Page x November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Table 46: Payment System Directory Record Format 137 Table 47: ADF Directory Entry Format 138 Table 48: Format of Application Priority Indicator 138 Table 49: Data Elements Table 155 Table 50: Data Elements Tags 161 Table 51: Example of a DDF Directory Entry Format 166 November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Figures Figure 1: ICC Contact Location and Dimensions 38 Figure 2: Layout of Contacts 39 Figure 3: Terminal Contact Location and Dimensions 47 Figure 4: Maximum Current Pulse Envelope 54 Figure 5: Maximum Current Pulse Envelopes 56 Figure 6: Contact Activation Sequence 60 Figure 7: Cold Reset Sequence 61 Figure 8: Warm Reset Sequence 62 Figure 9: Contact Deactivation Sequence 63 Figure 10: Character Frame 66 Figure 11: ATR - Example Flow at the Terminal 85 Figure 12: Character Repetition Timing 92 Figure 13: Chaining C-APDU 102 Figure 14: Chaining I-Blocks 102 Figure 15: Command APDU Structure 124 Figure 16: Response APDU Structure 125 Figure 17: Terminal Logic Using Directories 143 Figure 18: Using the List of AIDs in the Terminal 146 Figure 19: Simplest Card Structure Single Application 163 Figure 20: Single Level Directory 164 Figure 21: Third Level Directory 165

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Part I General November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 1

Scope

This document, the Integrated Circuit Card (ICC) Specifications for Payment Systems - Book 1, Application Independent ICC to Terminal Interface Requirements, describes the minimum functionality required of integrated circuit cards (ICCs) and terminals to ensure correct operation and interoperability independent of the application to be used. Additional proprietary functionality and features may be provided, but these are beyond the scope of this specification and interoperability cannot be guaranteed. The Integrated Circuit Card Specifications for Payment Systems includes the following additional documents, all available on http://www.emvco.com:

  • Book 2 - Security and Key Management
  • Book 3 - Application Specification
  • Book 4 - Cardholder, Attendant, and Acquirer Interface Requirements 1.1 Changes in Version 4.3 This release incorporates all relevant Specification Update Bulletins, Application Notes, amendments, etc. published up to the date of this release. The Revision Log at the beginning of the Book provides additional detail about changes to this Book.

1.2 Structure Book 1 consists of the following parts: Part I - General Part II - Electromechanical Characteristics, Logical Interface, and Transmission Protocols Part III - Files, Commands, and Application Selection Part IV - Annexes Part V - Common Core Definitions Part I includes this introduction, as well as data applicable to all Books: normative references, definitions, abbreviations, notations, data element format convention, and terminology. November 2011

1 Scope 1.3 Underlying Standards EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Part II defines electromechanical characteristics, logical interface, and transmission protocols as they apply to the exchange of information between an ICC and a terminal. In particular it covers:

  • Mechanical characteristics, voltage levels, and signal parameters as they apply to both ICCs and terminals.
  • An overview of the card session.
  • Establishment of communication between the ICC and the terminal by means of the answer to reset.
  • Character- and block-oriented asynchronous transmission protocols. Part III defines data elements, files, and commands as they apply to the exchange of information between an ICC and a terminal. In particular it covers:
  • Data elements and their mapping onto data objects.
  • Structure and referencing of files.
  • Structure and coding of messages between the ICC and the terminal to achieve application selection. Part III also defines the application selection process from the standpoint of both the card and the terminal. The logical structure of data and files within the card that is required for the process is specified, as is the terminal logic using the card structure. Part IV includes examples of exchanges using T=0, a data elements table specific to application selection, and example directory structures. Part V defines an optional extension to be used when implementing the Common Core Definitions (CCD). The Book also includes a revision log and an index.

1.3 Underlying Standards This specification is based on the ISO/IEC 7816 series of standards and should be read in conjunction with those standards. However, if any of the provisions or definitions in this specification differ from those standards, the provisions herein shall take precedence.

1.4 Audience This specification is intended for use by manufacturers of ICCs and terminals, system designers in payment systems, and financial institution staff responsible for implementing financial applications in ICCs.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 2 Normative

References

The following standards contain provisions that are referenced in these specifications. The latest version shall apply unless a publication date is explicitly stated. ISO 639-1 ISO 3166 ISO 4217 ISO/IEC 7811-1 ISO/IEC 7811-3 ISO/IEC 7813 ISO/IEC 7816-1 ISO/IEC 7816-2 ISO/IEC 7816-3 Codes for the representation of names of languages – Part 1: Alpha-2 Code Note: This standard is updated continuously by ISO. Additions/changes to ISO 639-1:1988: Codes for the Representation of Names of Languages are available on: http://www.loc.gov/standards/iso6392/php/code_changes.php Codes for the representation of names of countries and their subdivisions Codes for the representation of currencies and funds Identification cards – Recording technique – Part 1: Embossing Identification cards – Recording technique – Part 3: Location of embossed characters on ID-1 cards Identification cards – Financial transaction cards Identification cards – Integrated circuit(s) cards with contacts – Part 1: Physical characteristics Information technology – Identification cards – Integrated circuit(s) cards with contacts – Part 2: Dimensions and location of contacts Identification cards — Integrated circuit cards — Part 3: Cards with contacts — Electrical interface and transmission protocols November 2011

2 Normative References ISO/IEC 7816-4 ISO/IEC 7816-5 ISO/IEC 7816-6 ISO 8583:1987 ISO 8583:1993 ISO/IEC 8825-1 ISO/IEC 8859 ISO 9362 ISO 9564-1:2011 ISO/IEC 9796-2:2010 ISO/IEC 9797-1:2011 ISO/IEC 10116 ISO/IEC 10118-3 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Identification cards — Integrated circuit cards — Part 4: Organization, security and commands for interchange Identification cards — Integrated circuit cards — Part 5: Registration of application providers Identification cards – Integrated circuit cards – Part 6: Interindustry data elements for interchange Bank card originated messages – Interchange message specifications – Content for financial transactions Financial transaction card originated messages – Interchange message specifications Information technology – ASN.1 encoding rules: Specification of Basic Encoding Rules (BER), Canonical Encoding Rules (CER) and Distinguished Encoding Rules (DER) Information processing – 8-bit single-byte coded graphic character sets Banking – Banking telecommunication messages – Bank identifier codes Financial services – Personal Identification Number (PIN) management and security – Part 1: Basic principles and requirements for PINs in card-based systems Information technology – Security techniques – Digital signature schemes giving message recovery – Part 2: Integer factorization based mechanisms Information technology – Security techniques – Message Authentication Codes – Part 1: Mechanisms using a block cipher Information technology – Security techniques – Modes of operation for an n-bit block cipher Information technology – Security techniques – Hash-functions – Part 3: Dedicated hash-functions

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 2 Normative References ISO/IEC 10373 ISO 13491-1 ISO 13616 ISO 16609 ISO/IEC 18031 ISO/IEC 18033-3 Identification cards – Test methods Banking – Secure cryptographic devices (retail) – Part 1: Concepts, requirements and evaluation methods Banking and related financial services – International bank account number (IBAN) Banking – Requirements for message authentication using symmetric techniques Information technology - Security techniques Random bit generation Information technology – Security techniques – Encryption algorithms – Part 3: Block ciphers November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 3 Definitions The following terms are used in one or more books of these specifications. Accelerated Revocation Application Application Authentication Cryptogram Application Cryptogram Authorisation Request Cryptogram Authorisation Response Cryptogram Asymmetric Cryptographic Technique Authentication Block Byte A key revocation performed on a date sooner than the published key expiry date. The application protocol between the card and the terminal and its related set of data. An Application Cryptogram generated by the card when declining a transaction A cryptogram generated by the card in response to a GENERATE AC command. See also:

  • Application Authentication Cryptogram
  • Authorisation Request Cryptogram
  • Transaction Certificate An Application Cryptogram generated by the card when requesting online authorisation A cryptogram generated by the issuer in response to an Authorisation Request Cryptogram. A cryptographic technique that uses two related transformations, a public transformation (defined by the public key) and a private transformation (defined by the private key). The two transformations have the property that, given the public transformation, it is computationally infeasible to derive the private transformation. The provision of assurance of the claimed identity of an entity or of data origin. A succession of characters comprising two or three fields defined as prologue field, information field, and epilogue field. 8 bits. November 2011 3 Definitions Card Certificate Certification Authority Ciphertext Cold Reset Combined DDA/Application Cryptogram Generation Command Compromise Concatenation Contact Cryptogram EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements A payment card as defined by a payment system. The public key and identity of an entity together with some other information, rendered unforgeable by signing with the private key of the certification authority which issued that certificate. Trusted third party that establishes a proof that links a public key and other relevant information to its owner. Enciphered information. The reset of the ICC that occurs when the supply voltage (VCC) and other signals to the ICC are raised from the inactive state and the reset (RST) signal is applied. A form of offline dynamic data authentication. A message sent by the terminal to the ICC that initiates an action and solicits a response from the ICC. The breaching of secrecy or security. Two elements are concatenated by appending the bytes from the second element to the end of the first. Bytes from each element are represented in the resulting string in the same sequence in which they were presented to the terminal by the ICC, that is, most significant byte first. Within each byte bits are ordered from most significant bit to least significant. A list of elements or objects may be concatenated by concatenating the first pair to form a new element, using that as the first element to concatenate with the next in the list, and so on. A conducting element ensuring galvanic continuity between integrated circuit(s) and external interfacing equipment. Result of a cryptographic operation. November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 3 Definitions Cryptographic Algorithm Data Integrity Deactivation Sequence Decipherment Digital Signature Dynamic Data Authentication Embossing Encipherment Epilogue Field Exclusive-OR Financial Transaction Function An algorithm that transforms data in order to hide or reveal its information content. The property that data has not been altered or destroyed in an unauthorised manner. The deactivation sequence defined in section 6.1.5. The reversal of a corresponding encipherment. An asymmetric cryptographic transformation of data that allows the recipient of the data to prove the origin and integrity of the data, and protect the sender and the recipient of the data against forgery by third parties, and the sender against forgery by the recipient. A form of offline dynamic data authentication Characters raised in relief from the front surface of a card. The reversible transformation of data by a cryptographic algorithm to produce ciphertext. The final field of a block. It contains the error detection code (EDC) byte(s). Binary addition with no carry, giving the following values: 0 + 0 = 0 0 + 1 = 1 1 + 0 = 1 1 + 1 = 0 The act between a cardholder and a merchant or acquirer that results in the exchange of goods or services against payment. A process accomplished by one or more commands and resultant actions that are used to perform all or part of a transaction. November 2011 3 Definitions EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Guardtime Hash Function Hash Result Inactive Integrated Circuit Module Integrated Circuit(s) Integrated Circuit(s) Card Interface Device Issuer Action Code The minimum time between the trailing edge of the parity bit of a character and the leading edge of the start bit of the following character sent in the same direction. A function that maps strings of bits to fixed–length strings of bits, satisfying the following two properties:
  • It is computationally infeasible to find for a given output an input which maps to this output.
  • It is computationally infeasible to find for a given input a second input that maps to the same output. Additionally, if the hash function is required to be collision–resistant, it must also satisfy the following property:
  • It is computationally infeasible to find any two distinct inputs that map to the same output. The string of bits that is the output of a hash function. The supply voltage (VCC) and other signals to the ICC are in the inactive state when they are at a potential of 0.4 V or less with respect to ground (GND). The sub-assembly embedded into the ICC comprising the IC, the IC carrier, bonding wires, and contacts. Electronic component(s) designed to perform processing and/or memory functions. A card into which one or more integrated circuits are inserted to perform processing and memory functions. That part of a terminal into which the ICC is inserted, including such mechanical and electrical devices as may be considered part of it. Any of the following, which reflect the issuer-selected action to be taken upon analysis of the TVR:
  • Issuer Action Code - Default
  • Issuer Action Code - Denial
  • Issuer Action Code - Online November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 3 Definitions Kernel Key Key Expiry Date Key

Introduction

Key Life Cycle Key Replacement Key Revocation Key Revocation Date Key Withdrawal Keypad The set of functions required to be present on every terminal implementing a specific interpreter. The kernel contains device drivers, interface routines, security and control functions, and the software for translating from the virtual machine language to the language used by the real machine. In other words, the kernel is the implementation of the virtual machine on a specific real machine. A sequence of symbols that controls the operation of a cryptographic transformation. The date after which a signature made with a particular key is no longer valid. Issuer certificates signed by the key must expire on or before this date. Keys may be removed from terminals after this date has passed. The process of generating, distributing, and beginning use of a key pair. All phases of key management, from planning and generation, through revocation, destruction, and archiving. The simultaneous revocation of a key and introduction of a key to replace the revoked one. The key management process of withdrawing a key from service and dealing with the legacy of its use. Key revocation can be as scheduled or accelerated. The date after which no legitimate cards still in use should contain certificates signed by this key, and therefore the date after which this key can be deleted from terminals. For a planned revocation the Key Revocation Date is the same as the key expiry date. The process of removing a key from service as part of its revocation. Arrangement of numeric, command, and, where required, function and/or alphanumeric keys laid out in a specific manner. November 2011

3 Definitions EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Library A set of high-level software functions with a published interface, providing general support for terminal programs and/or applications. Logical Compromise The compromise of a key through application of improved cryptanalytic techniques, increases in computing power, or combination of the two. Magnetic Stripe The stripe containing magnetically encoded information. Message A string of bytes sent by the terminal to the card or vice versa, excluding transmission-control characters. Message Authentication Code A symmetric cryptographic transformation of data that protects the sender and the recipient of the data against forgery by third parties. Nibble The four most significant or least significant bits of a byte. Padding Appending extra bits to either side of a data string. Path Concatenation of file identifiers without delimitation. Payment System Environment A logical construct within the ICC, the entry point to which is a Directory Definition File (DDF) named 1PAY.SYS.DDF01. This DDF contains a Payment System Directory which in turn contains entries for one or more Application Definition Files (ADFs) which are formatted according to this specification. Physical Compromise The compromise of a key resulting from the fact that it has not been securely guarded, or a hardware security module has been stolen or accessed by unauthorised persons. PIN Pad Arrangement of numeric and command keys to be used for personal identification number (PIN) entry. Plaintext Unenciphered information. Planned Revocation A key revocation performed as scheduled by the published key expiry date.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 3 Definitions Potential Compromise Private Key Prologue Field Public Key Public Key Certificate Response Script Secret Key Signal Amplitude Signal Perturbations Socket A condition where cryptanalytic techniques and/or computing power has advanced to the point that compromise of a key of a certain length is feasible or even likely. That key of an entity’s asymmetric key pair that should only be used by that entity. In the case of a digital signature scheme, the private key defines the signature function. The first field of a block. It contains subfields for node address (NAD), protocol control byte (PCB), and length (LEN). That key of an entity’s asymmetric key pair that can be made public. In the case of a digital signature scheme, the public key defines the verification function. The public key information of an entity signed by the certification authority and thereby rendered unforgeable. A message returned by the ICC to the terminal after the processing of a command message received by the ICC. A command or a string of commands transmitted by the issuer to the terminal for the purpose of being sent serially to the ICC as commands. A key used with symmetric cryptographic techniques and usable only by a set of specified entities. The difference between the high and low voltages of a signal. Abnormalities occurring on a signal during normal operation such as undershoot/overshoot, electrical noise, ripple, spikes, crosstalk, etc. Random perturbations introduced from external sources are beyond the scope of this specification. An execution vector defined at a particular point in an application and assigned a unique number for reference. November 2011

3 Definitions State H State L Static Data Authentication Symmetric Cryptographic Technique T=0 T=1 Template Terminal Terminal Action Code Terminate Card Session Terminate Transaction EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Voltage high on a signal line. May indicate a logic one or logic zero depending on the logic convention used with the ICC. Voltage low on a signal line. May indicate a logic one or logic zero depending on the logic convention used with the ICC. Offline static data authentication A cryptographic technique that uses the same secret key for both the originator’s and recipient’s transformation. Without knowledge of the secret key, it is computationally infeasible to compute either the originator’s or the recipient’s transformation. Character-oriented asynchronous half duplex transmission protocol. Block-oriented asynchronous half duplex transmission protocol. Value field of a constructed data object, defined to give a logical grouping of data objects. The device used in conjunction with the ICC at the point of transaction to perform a financial transaction. The terminal incorporates the interface device and may also include other components and interfaces such as host communications. Any of the following, which reflect the acquirer-selected action to be taken upon analysis of the TVR:

  • Terminal Action Code - Default
  • Terminal Action Code - Denial
  • Terminal Action Code - Online End the card session by deactivating the IFD contacts according to section 6.1.5, and displaying a message indicating that the ICC cannot be used to complete the transaction Stop the current application and deactivate the card. November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 3 Definitions Transaction Transaction Certificate Virtual Machine Warm Reset An action taken by a terminal at the user’s request. For a POS terminal, a transaction might be payment for goods, etc. A transaction selects among one or more applications as part of its processing flow. An Application Cryptogram generated by the card when accepting a transaction A theoretical microprocessor architecture that forms the basis for writing application programs in a specific interpreter software implementation. The reset that occurs when the reset (RST) signal is applied to the ICC while the clock (CLK) and supply voltage (VCC) lines are maintained in their active state. November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 4 Abbreviations, Notations, Conventions, and Terminology 4.1 Abbreviations µA µm µs a AAC AC ACK ADF AEF AFL AID AIP an ans APDU API ARC ARPC ARQC ASI ASN ATC Microampere Micrometre Microsecond Alphabetic (see section 4.3, Data Element Format Conventions) Application Authentication Cryptogram Application Cryptogram Acknowledgment Application Definition File Application Elementary File Application File Locator Application Identifier Application Interchange Profile Alphanumeric (see section 4.3) Alphanumeric Special (see section 4.3) Application Protocol Data Unit Application Program Interface Authorisation Response Code Authorisation Response Cryptogram Authorisation Request Cryptogram Application Selection Indicator Abstract Syntax Notation Application Transaction Counter November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.1 Abbreviations Application Independent ICC to Terminal Interface Requirements ATM ATR AUC b BCD BER BIC BGT BWI BWT C CAD C-APDU CBC CCD CCI CDA CDOL CID CIN CLA CLK cn CPU CRL CSU C-TPDU CV Automated Teller Machine Answer to Reset Application Usage Control Binary (see section 4.3) Binary Coded Decimal Basic Encoding Rules (defined in ISO/IEC 8825–1) Bank Identifier Code Block Guardtime Block Waiting Time Integer Block Waiting Time Celsius or Centigrade Card Accepting Device Command APDU Cipher Block Chaining Common Core Definitions Common Core Identifier Combined DDA/Application Cryptogram Generation Card Risk Management Data Object List Cryptogram Information Data Input Capacitance Class Byte of the Command Message Clock Compressed Numeric (see section 4.3) Central Processing Unit Certificate Revocation List Card Status Update Command TPDU Cryptogram Version November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.1 Abbreviations Terminal Interface Requirements CVM CVR CV Rule CWI CWT D DAD DC DDA DDF DDOL DES DF DIR DOL ECB EDC EF EN etu f FC FCI GND GP Hex HHMMSS I/O Cardholder Verification Method Card Verification Results Cardholder Verification Rule Character Waiting Time Integer Character Waiting Time Bit Rate Adjustment Factor Destination Node Address Direct Current Dynamic Data Authentication Directory Definition File Dynamic Data Authentication Data Object List Data Encryption Standard Dedicated File Directory Data Object List Electronic Code Book Error Detection Code Elementary File European Norm Elementary Time Unit Frequency Format Code File Control Information Ground Grandparent key for session key generation Hexadecimal Hours, Minutes, Seconds Input/Output November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.1 Abbreviations Application Independent ICC to Terminal Interface Requirements IAC IAD IBAN I-block IC ICC ICC IEC IFD IFS IFSC IFSD IFSI IIN IK INF INS IOH IOL ISO IV KM KS L l.s. Lc LCOL Issuer Action Code (Denial, Default, Online) Issuer Application Data International Bank Account Number Information Block Integrated Circuit Integrated Circuit(s) Card Current drawn from VCC International Electrotechnical Commission Interface Device Information Field Size Information Field Size for the ICC Information Field Size for the Terminal Information Field Size Integer Issuer Identification Number Intermediate Key for session key generation Information Field Instruction Byte of Command Message High Level Output Current Low Level Output Current International Organization for Standardization Initial Vector for session key generation Master Key Session Key Length Least Significant Exact Length of Data Sent by the TAL in a Case 3 or 4 Command Lower Consecutive Offline Limit November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.1 Abbreviations Terminal Interface Requirements LDD Le LEN Licc Lr LRC M mΩ MΩ m.s. m/s mA MAC max. MF MHz min. MK mm MMDD MMYY N n NAD NAK nAs Length of the ICC Dynamic Data Maximum Length of Data Expected by the TAL in Response to a Case 2 or 4 Command Length Exact Length of Data Available or Remaining in the ICC (as Determined by the ICC) to be Returned in Response to the Case 2 or 4 Command Received by the ICC Length of Response Data Field Longitudinal Redundancy Check Mandatory Milliohm Megohm Most Significant Meters per Second Milliampere Message Authentication Code Maximum Master File Megahertz Minimum ICC Master Key for session key generation Millimetre Month, Day Month, Year Newton Numeric (see section 4.3) Node Address Negative Acknowledgment Nanoampere-second November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.1 Abbreviations Application Independent ICC to Terminal Interface Requirements NCA NF NI NIC NIST NPE ns O O/S P P1 P2 P3 PAN PC PCA PCB PDOL pF PI PIC PIN PIX POS pos. PSE PTS Length of the Certification Authority Public Key Modulus Norme Française Length of the Issuer Public Key Modulus Length of the ICC Public Key Modulus National Institute for Standards and Technology Length of the ICC PIN Encipherment Public Key Modulus Nanosecond Optional Operating System Parent key for session key generation Parameter 1 Parameter 2 Parameter 3 Primary Account Number Personal Computer Certification Authority Public Key Protocol Control Byte Processing Options Data Object List Picofarad Issuer Public Key ICC Public Key Personal Identification Number Proprietary Application Identifier Extension Point of Service Position Payment System Environment Protocol Type Selection November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.1 Abbreviations Terminal Interface Requirements R-APDU R-block RFU RID RSA RST SAD S-block SCA SDA SFI SHA-1 SI SIC SK SW1 SW2 TAC TAL TC TCK TDOL tF TLV TPDU tR TS Response APDU Receive Ready Block Reserved for Future Use Registered Application Provider Identifier Rivest, Shamir, Adleman Algorithm Reset Source Node Address Supervisory Block Certification Authority Private Key Static Data Authentication Short File Identifier Secure Hash Algorithm 1 Issuer Private Key ICC Private Key Session Key for session key generation Status Byte One Status Byte Two Terminal Action Code(s) (Default, Denial, Online) Terminal Application Layer Transaction Certificate Check Character Transaction Certificate Data Object List Fall Time Between 90% and 10% of Signal Amplitude Tag Length Value Transport Protocol Data Unit Rise Time Between 10% and 90% of Signal Amplitude Initial Character November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.1 Abbreviations Application Independent ICC to Terminal Interface Requirements TSI TTL TVR UCOL UL V var. VCC VCC VIH VIL VOH VOL VPP VPP WI WTX WWT YYMM YYMMDD Transaction Status Information Terminal Transport Layer Terminal Verification Results Upper Consecutive Offline Limit Underwriters Laboratories Incorporated Volt Variable (see section 4.3) Voltage Measured on VCC Contact Supply Voltage High Level Input Voltage Low Level Input Voltage High Level Output Voltage Low Level Output Voltage Programming Voltage Voltage Measured on VPP contact Waiting Time Integer Waiting Time Extension Work Waiting Time Year, Month Year, Month, Day November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.2 Notations Terminal Interface Requirements 4.2 Notations ‘0’ to ‘9' and 'A' to 'F' 16 hexadecimal characters xx Any value A:= B A is assigned the value of B A = B Value of A is equal to the value of B A ≡ B mod n Integers A and B are congruent modulo the integer n, that is, there exists an integer d such that (A – B) = dn A mod n The reduction of the integer A modulo the integer n, that is, the unique integer r, 0 ≤ r < n, for which there exists an integer d such that A = dn + r A / n The integer division of A by n, that is, the unique integer d for which there exists an integer r, 0 ≤ r < n, such that A = dn + r Y:= ALG(K)[X] Encipherment of a data block X with a block cipher as specified in Annex A1 of Book 2, using a secret key K X = ALG-1(K)[Y] Decipherment of a data block Y with a block cipher as specified in Annex A1 of Book 2, using a secret key K Y:= Sign (SK)[X] The signing of a data block X with an asymmetric reversible algorithm as specified in Annex A2 of Book 2, using the private key SK X = Recover(PK)[Y] The recovery of the data block X with an asymmetric reversible algorithm as specified in Annex A2 of Book 2, using the public key PK C:= (A || B) The concatenation of an n-bit number A and an m-bit number B, which is defined as C = 2m A + B. November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.2 Notations Application Independent ICC to Terminal Interface Requirements Leftmost Rightmost H:= Hash[MSG] X ⊕ Y Applies to a sequence of bits, bytes, or digits and used interchangeably with the term “most significant”. If C = (A || B) as above, then A is the leftmost n bits of C. Applies to a sequence of bits, bytes, or digits and used interchangeably with the term “least significant”. If C = (A || B) as above, then B is the rightmost m bits of C. Hashing of a message MSG of arbitrary length using a 160-bit hash function The symbol '⊕' denotes bit-wise exclusive-OR and is defined as follows: X ⊕ Y The bit-wise exclusive-OR of the data blocks X and Y. If one data block is shorter than the other, then it is first padded to the left with sufficient binary zeros to make it the same length as the other. November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.3 Data Element Format Conventions Terminal Interface Requirements 4.3 Data Element Format Conventions The EMV specifications use the following data element formats: a Alphabetic data elements contain a single character per byte. The permitted characters are alphabetic only (a to z and A to Z, upper and lower case). an Alphanumeric data elements contain a single character per byte. The permitted characters are alphabetic (a to z and A to Z, upper and lower case) and numeric (0 to 9). ans Alphanumeric Special data elements contain a single character per byte. The permitted characters and their coding are shown in the Common Character Set table in Annex B of Book 4. There is one exception: The permitted characters for Application Preferred Name are the non-control characters defined in the ISO/IEC 8859 part designated in the Issuer Code Table Index associated with the Application Preferred Name. b These data elements consist of either unsigned binary numbers or bit combinations that are defined elsewhere in the specification. Binary example: The Application Transaction Counter (ATC) is defined as “b” with a length of two bytes. An ATC value of 19 is stored as Hex '00 13'. Bit combination example: Processing Options Data Object List (PDOL) is defined as “b” with the format shown in Book 3, section 5.4. cn Compressed numeric data elements consist of two numeric digits (having values in the range Hex '0'–'9') per byte. These data elements are left justified and padded with trailing hexadecimal 'F's. Example: The Application Primary Account Number (PAN) is defined as “cn” with a length of up to ten bytes. A value of 1234567890123 may be stored in the Application PAN as Hex '12 34 56 78 90 12 3F FF' with a length of 8. n Numeric data elements consist of two numeric digits (having values in the range Hex '0'–'9') per byte. These digits are right justified and padded with leading hexadecimal zeroes. Other specifications sometimes refer to this data format as Binary Coded Decimal (“BCD”) or unsigned packed. Example: Amount, Authorised (Numeric) is defined as “n 12” with a length of six bytes. A value of 12345 is stored in Amount, Authorised (Numeric) as Hex '00 00 00 01 23 45'. November 2011 4 Abbreviations, Notations, Conventions, and Terminology EMV 4.3 Book 1 4.3 Data Element Format Conventions Application Independent ICC to Terminal Interface Requirements var. Variable data elements are variable length and may contain any bit combination. Additional information on the formats of specific variable data elements is available elsewhere. November 2011 EMV 4.3 Book 1 4 Abbreviations, Notations, Conventions, and Terminology Application Independent ICC to 4.4 Terminology Terminal Interface Requirements 4.4 Terminology proprietary Not defined in this specification and/or outside the scope of this specification shall Denotes a mandatory requirement should Denotes a recommendation November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements Part II Electromechanical Characteristics, Logical Interface, and Transmission Protocols November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface This section covers the electrical and mechanical characteristics of the ICC and the terminal. ICC and terminal specifications differ to allow a safety margin to prevent damage to the ICC. The ICC characteristics defined herein are based on the ISO/IEC 7816 series of standards with some small variations. November 2011 5 Electromechanical Interface 5.1 Lower Voltage ICC Migration EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.1 Lower Voltage ICC Migration A phased migration to lower voltage cards is underway. Cards that support class A only are being phased out and shall be replaced by class AB or class ABC cards by end December 2013. When all cards in use support class AB or class ABC, it will be possible to deploy terminals that support class B only in addition to class A only terminals. Refer to General Bulletin 11 on the EMVCo website at http://www.emvco.com for details of the migration schedule. Section 5 describes the requirements for cards and terminals as the transition occurs. Differences are indicated using the notations shown in Table 1: Notation class A cards until end December 2013 new card values from January 2014 class A terminals until end December 2013 new terminal values from January 2014 Information applies: to class A cards to the following cards:1
  • class A (until end December 2013)
  • class AB
  • class ABC to class A terminals (or the class A component of multi-class terminals) to class A, class B, and class C terminals Values: are permitted for cards in circulation until end December 2013. From January 2014, all cards in circulation shall be either class AB or class ABC. are permitted immediately and until further notice. No class A cards shall be in circulation from January 2014; only class AB or class ABC cards shall be in circulation from January 2014. shall be used for class A terminals until end December 2013. From January 2014, there is no requirement to update terminals already in the field built using these values. shall not be used before end December 2013. From January 2014, shall be used for new class A or class B terminals. Class C terminals shall not be deployed until stated by EMVCo (except for proprietary purposes outside the scope of EMV). Table 1: Lower Voltage Card Migration 1 Class B, class C, class AC, and class BC cards are not allowed. November 2011 EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.2 Mechanical Characteristics of the ICC 5.2 Mechanical Characteristics of the ICC This section describes the physical characteristics, contact assignment, and mechanical strength of the ICC.

5.2.1 Physical Characteristics Except as otherwise specified herein, the ICC shall comply with the physical characteristics for ICCs as defined in ISO/IEC 7816-1. The ICC shall also comply with the additional characteristics defined in ISO/IEC 7816-1 as related to ultraviolet light, X-rays, surface profile of the contacts, mechanical strength, electromagnetic characteristics, and static electricity and shall continue to function correctly electrically under the conditions defined therein.

5.2.1.1 Module Height The highest point on the IC module surface shall not be greater than 0.10mm above the plane of the card surface. The lowest point on the IC module surface shall not be greater than 0.10mm below the plane of the card surface. November 2011

5 Electromechanical Interface 5.2 Mechanical Characteristics of the ICC EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.2.2 Dimensions and Location of Contacts The dimensions and location of the contacts shall be as shown in Figure 1: Upper Edge Left Edge 19.23 max 20.93 min 21.77 max 23.47 min 24.31 max 26.01 min 26.85 max 28.55 min C1 C2 C3 C4 10.25 max 12.25 min 17.87 max 19.87 min C5 C6 C7 C8 All dimensions in millimetres Figure 1: ICC Contact Location and Dimensions Areas C1, C2, C3, C5, and C7 shall be fully covered by conductive surfaces forming the minimum ICC contacts. Areas C4, C6, C8, and areas Z1 to Z8 as defined in ISO/IEC 7816-2 Annex B may optionally have conductive surfaces, but it is strongly recommended that no conductive surfaces exist in areas Z1 to Z8. If conductive surfaces exist in areas C6, and Z1 to Z8, they shall be electrically isolated from the integrated circuit (IC), from one another, and from any other contact area. (Electrically isolated means that the resistance measured between the conductive surface and any other conductive surface shall be ≥10MΩ with an applied voltage of 5V DC.) In addition, there shall be no connection between the conductive surface of any area and the conductive surface of any other area, other than via the IC. The minimum ICC contacts shall be connected to the IC contacts as shown in Table 2.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.2 Mechanical Characteristics of the ICC The layout of the contacts relative to embossing and/or magnetic stripe shall be as shown in Figure 2: Magnetic Stripe (Back of Card) Mandatory Contacts Optional Contacts Embossing Area Front of Card Figure 2: Layout of Contacts Note: Care should be taken that card embossing does not damage the IC. Further, positioning of the signature panel behind the IC may lead to damage due to heavy pressure being applied during signature.

5.2.3 Contact Assignment The assignment of the ICC contacts shall be as defined in ISO/IEC 7816-2 and is shown in Table 2: C1 Supply voltage (VCC) C2 Reset (RST) C3 Clock (CLK) C4 Not used; need not be physically present C5 Ground (GND) C6 RFU 2 C7 Input/output (I/O) C8 Not used; need not be physically present Table 2: ICC Contact Assignment 2 Defined in ISO/IEC 7816-3:1997 as programming voltage (VPP) for class A. November 2011

5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.3 Electrical Characteristics of the ICC This section describes the electrical characteristics of the signals as measured at the ICC contacts.

5.3.1 Measurement Conventions All measurements are made at the point of contact between the ICC and the interface device (IFD) contacts and are defined with respect to the GND contact over an ambient temperature range 0° C to 50° C. ICCs shall be capable of correct operation over an ambient temperature range of at minimum 0° C to 50° C. All currents flowing into the ICC are considered positive. Note: The temperature range limits are dictated primarily by the thermal characteristics of polyvinyl chloride (which is used for the majority of cards that are embossed) rather than by constraints imposed by the characteristics of the IC.

5.3.2 Input/Output (I/O) This contact is used as an input (reception mode) to receive data from the terminal or as an output (transmission mode) to transmit data to the terminal. During operation, the ICC and the terminal shall not both be in transmission mode. In the event that this condition occurs, the state (voltage level) of the I/O contact is indeterminate and no damage shall occur to the ICC.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC 5.3.2.1 Reception Mode When in reception mode, and with the supply voltage (VCC) for the applicable class in the range specified in section 5.3.6, the ICC shall correctly interpret signals from the terminal having the characteristics shown in Table 3: Symbol Conditions Minimum Maximum Unit VIH 0.7 x VCC VCC V VIL 0 0.8 V tR and tF — 1.0 µs The ICC shall not be damaged by signal perturbations on the I/O line in the range –0.3 V to VCC + 0.3 V. class A cards until end December 2013; see Table 1 Symbol Conditions Minimum Maximum Unit VIH 0.7 x VCC VCC V VIL 0 0.2 x VCC V tR and tF — 1.0 µs The ICC shall not be damaged by signal perturbations on the I/O line in the range –0.3 V to VCC + 0.3 V. new card values from January 2014; see Table 1 Table 3: Electrical Characteristics of I/O for ICC Reception November 2011

5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.3.2.2 Transmission Mode When in transmission mode, the ICC shall send data to the terminal with the characteristics shown in Table 4: Symbol VOH VOL tR and tF Conditions –20 µA < IOH < 0, VCC = min. 0 < IOL < 1 mA, VCC = min. CIN (terminal) = 30 pF max. Minimum 0.7 x VCC 0 — Maximum VCC 0.4 1.0 Unit V V µs class A cards until end December 2013; see Table 1 Symbol VOH VOL tR and tF Conditions –20 µA < IOH < 0 Class A: 0 < IOL < 1 mA Classes B and C: 0 < IOL < 0.5 mA CIN (terminal) = 30 pF max. Minimum 0.7 x VCC 0 0 — Maximum VCC 0.08 x VCC 0.15 x VCC 1.0 Unit V V µs new card values from January 2014; see Table 1 Table 4: Electrical Characteristics of I/O for ICC Transmission Unless transmitting, the ICC shall set its I/O line driver to reception mode. There is no requirement for the ICC to have any current source capability to I/O.

5.3.3 Programming Voltage (VPP) The ICC shall not require VPP (see note in section 5.4.3).

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC 5.3.4 Clock (CLK) With VCC in the range specified for the applicable class in section 5.3.6, the ICC shall operate correctly with a CLK signal having the characteristics shown in Table 5: Symbol Conditions Minimum Maximum Unit VIH VCC – 0.7 VCC V VIL 0 0.5 V tR and tF VCC = min. to — max. 9% of clock period The ICC shall not be damaged by signal perturbations on the CLK line in the range –0.3 V to VCC + 0.3 V. class A cards until end December 2013; see Table 1 Symbol Conditions Minimum Maximum Unit VIH 0.7 x VCC VCC V VIL 0 0.2 x VCC V tR and tF — 9% of clock period The ICC shall not be damaged by signal perturbations on the CLK line in the range –0.3 V to VCC + 0.3 V. new card values from January 2014; see Table 1 Table 5: Electrical Characteristics of CLK to ICC The ICC shall operate correctly with a CLK duty cycle of between 44% and 56% of the period during stable operation. The ICC shall operate correctly with a CLK frequency in the range 1 MHz to 5 MHz. Note: Frequency shall be maintained by the terminal to within ± 1% of that used during the answer to reset throughout the card session. November 2011

5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.3.5 Reset (RST) With VCC in the range specified for the applicable class in section 5.3.6, the ICC shall correctly interpret a RST signal having the characteristics shown in Table 6: Symbol Conditions Minimum Maximum Unit VIH VCC – 0.7 VCC V VIL 0 0.6 V tR and tF VCC = min. to max. — 1.0 µs The ICC shall not be damaged by signal perturbations on the RST line in the range –0.3 V to VCC + 0.3 V. class A cards until end December 2013; see Table 1 Symbol Conditions Minimum Maximum Unit VIH 0.7 x VCC VCC V VIL 0 0.2 x VCC V tR and tF VCC = min. to max. — 1.0 µs The ICC shall not be damaged by signal perturbations on the RST line in the range –0.3 V to VCC + 0.3 V. new card values from January 2014; see Table 1 Table 6: Electrical Characteristics of RST to ICC The ICC shall answer to reset asynchronously using active low reset.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC 5.3.6 Supply Voltage (VCC) The ICC shall operate correctly with a supply voltage VCC of 5 V ± 0.5 V DC and have a maximum current requirement of 50 mA when operating at any frequency within the range specified in section 5.3.4. Three classes of operation are defined based on the nominal supply voltage applied to the ICC. These are defined in Table 7. The ICC shall support class A and may optionally support one or more additional consecutive classes. The ICC shall operate correctly on any supply voltage lying within the range(s) specified for the class(es) it supports. class A cards until end December 2013; see Table 1 Symbol Conditions Minimum Maximum Unit VCC Class A 4.50 5.50 V Class B 2.70 3.30 Class C 1.62 1.98 ICC Class A Class B Class C 50 mA 50 30 The maximum current consumptions shown apply when operating at any frequency within the range specified in section 5.3.4. Table 7: Classes of Operation new card values from January 2014; see Table 1 November 2011

5 Electromechanical Interface 5.3 Electrical Characteristics of the ICC EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements The ICC shall not be damaged if it is operated under classes that it does not support (the ICC is considered to be damaged if it no longer operates as specified, or if it contains corrupt data). If the ICC supports more than one class, it may optionally operate correctly on any supply voltage lying between the ranges specified for the supported classes (see Table 8 below). Supported Classes A and B A, B, and C ICC Shall Operate 4.50–5.50 2.70–3.30 4.50–5.50 2.70–3.30 1.62–1.98 ICC May Unit Operate 3.30–4.50 V 3.30–4.50 V 1.98–2.70 Table 8: Mandatory and Optional Operating Voltage Ranges new card values from January 2014; see Table 1 For proprietary reasons terminals may support the capability to negotiate with the ICC the voltage class to be used, but this is outside the scope of EMV, and there is no requirement for ICCs conforming to this specification to support such negotiation. If the ICC returns a class indicator in the ATR as defined in ISO/IEC 7816-3, the ATR may be rejected in an EMV compliant terminal. To avoid interoperability problems, any class indicator used should be returned in the cold ATR; to guarantee that the ICC will be accepted in the event that the cold ATR is rejected, the warm ATR should be one of the basic ATRs defined in section 8. Note: It is strongly recommended that the current consumption of ICCs is maintained at as low a value as possible, since the maximum current consumption allowable for the ICC may be reduced in future versions of this specification. Issuers of ICCs bearing multisector applications should ensure that the IC used has a current requirement compatible with all terminals (from all sectors) in which the ICC might be used.

5.3.7 Contact Resistance The contact resistance as measured across a pair of clean ICC and clean nominal IFD contacts shall be less than 500 mΩ throughout the design life of an ICC (see ISO/IEC 10373 for test method). Note: A nominal IFD contact may be taken as a minimum of 1.25 µm of gold over 5.00 µm of nickel.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.4 Mechanical Characteristics of the Terminal 5.4 Mechanical Characteristics of the Terminal This section describes the mechanical characteristics of the terminal interface device.

5.4.1 Interface Device The IFD into which the ICC is inserted shall be capable of accepting ICCs having the following characteristics:

  • Physical characteristics compliant with ISO/IEC 7816-1
  • Contacts on the front, in the position compliant with Figure 2 of ISO/IEC 7816-2
  • Embossing compliant with ISO/IEC 7811-1 and ISO/IEC 7811-3 The IFD contacts shall be located such that if an ICC having contacts with the dimensions and locations specified in Figure 3 is inserted into the IFD, correct connection of all contacts shall be made. The IFD should have no contacts present other than those needed to connect to ICC contacts C1 to C8. Figure 3: Terminal Contact Location and Dimensions Location guides and clamps (if used) should cause no damage to ICCs, particularly in the areas of the magnetic stripe, signature panel, embossing, and hologram. Note: As a general principle, an ICC should be accessible to the cardholder at all times. Where the ICC is drawn into the IFD, a mechanism should exist to return the ICC to the cardholder in the event of a failure (for example, loss of power). November 2011 5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.4.2 Contact Forces The force exerted by any one IFD contact on the corresponding ICC contact shall be in the range 0.2 N to 0.6 N.

5.4.3 Contact Assignment The assignment of the IFD contacts shall be as shown in Table 9: C1 VCC C2 RST C3 CLK C4 Not used; need not be physically present C5 GND C6 Not used for class A 3 RFU for classes B and C C7 I/O C8 Not used; need not be physically present Table 9: IFD Contact Assignment 5.5 Electrical Characteristics of the Terminal This section describes the electrical characteristics of the signals as measured at the IFD contacts.

5.5.1 Measurement Conventions All measurements are made at the point of contact between the ICC and the IFD contacts and are defined with respect to GND contact over an ambient temperature range 5° C to 40° C unless otherwise specified by the manufacturer. The internal temperature of the terminal should be limited to avoid damage to ICCs. All currents flowing out of the terminal are considered positive. 3 Defined in ISO/IEC 7816-3:1997 as programming voltage (VPP) for class A.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal 5.5.2 Input/Output (I/O) This contact is used as an output (transmission mode) to transmit data to the ICC or as an input (reception mode) to receive data from the ICC. During operation, the terminal and the ICC should not both be in transmission mode. In the event that this condition occurs, the state (voltage level) of the contact is indeterminate and no damage shall occur to the terminal. When both the terminal and the ICC are in reception mode, the contact shall be in the high state. The terminal shall not pull I/O high unless VCC is powered and stable within the tolerances specified in section 5.5.6. See the contact activation sequence specified in section 6.1.2. The terminal shall limit the current flowing into or out of the I/O contact to ±15 mA at all times. November 2011

5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.5.2.1 Transmission Mode When in transmission mode, the terminal shall send data to the ICC with the characteristics shown in Table 10: Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 < IOH < 20 µA, VCC = min. – 0.5 mA < IOL < 0, VCC = min. CIN(ICC) = 30 pF max. Signal low Signal high Minimum 0.8 x VCC Maximum VCC 0 0.4 — – 0.25 0.8 x VCC 0.8 0.4 VCC + 0.25 Unit V V µs V V class A terminals until end December 2013; see Table 1 Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 < IOH < 20 µA – 0.5 mA < IOL < 0 CIN(ICC) = 30 pF max. Signal low Signal high Minimum 0.8 x VCC 0 — Maximum VCC 0.15 x VCC 0.8 Unit V V µs – 0.25 0.15 x V VCC 0.8 x VCC VCC + V 0.25 new terminal values from January 2014; see Table 1 Table 10: Electrical Characteristics of I/O for Terminal Transmission Unless transmitting, the terminal shall set its I/O line driver to reception mode.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal 5.5.2.2 Reception Mode When in reception mode, the terminal shall correctly interpret signals from the ICC having the characteristics shown in Table 11: Symbol VIH VIL tR and tF Conditions Minimum 0.6 x VCC 0 — Maximum VCC 0.5 1.2 Unit V V µs class A terminals until end December 2013; see Table 1 Symbol VIH VIL tR and tF Conditions Minimum 0.6 x VCC 0 — Maximum VCC 0.20 x VCC 1.2 Unit V V µs new terminal values from January 2014; see Table 1 Table 11: Electrical Characteristics of I/O for Terminal Reception 5.5.3 Programming Voltage (VPP) C6 shall be electrically isolated. Electrically isolated means that the resistance measured between C6 and any other contact shall be ≥10MΩ with an applied voltage of 5V DC. If connected in existing class A terminals, C6 shall be maintained at a potential between GND and 1.05 x VCC throughout the card session. Note: Keeping C6 isolated in new class A terminals facilitates its use for other purposes if so defined in future versions of this specification. November 2011

5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.5.4 Clock (CLK) The terminal shall generate a CLK signal having the characteristics shown in Table 12: Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 < IOH < 50 µA, VCC = min. – 50 µA < IOL < 0, VCC = min. CIN(ICC) = 30 pF max. Signal low Signal high Minimum VCC – 0.5 Maximum VCC Unit V 0 0.4 V — 8% of clock period – 0.25 0.4 V VCC – 0.5 VCC + V 0.25 class A terminals until end December 2013; see Table 1 Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 < IOH < 50 µA – 50 µA < IOL < 0 CIN(ICC) = 30 pF max. Signal low Signal high Minimum 0.8 x VCC 0 — – 0.25 0.8 x VCC Maximum VCC 0.15 x VCC 8% of clock period 0.15 x VCC VCC + 0.25 Unit V V V V new terminal values from January 2014; see Table 1 Table 12: Electrical Characteristics of CLK from Terminal Duty cycle shall be between 45% and 55% of the period during stable operation. Frequency shall be in the range 1 MHz to 5 MHz and shall not change by more than ± 1% throughout answer to reset and the following stages of a card session (see section 6) unless changed following the answer to reset by means of a proprietary negotiation technique.

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal 5.5.5 Reset (RST) The terminal shall generate a RST signal having the characteristics shown in Table 13: Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 &lt; IOH &lt; 50 µA, VCC = min. – 50 µA &lt; IOL &lt; 0, VCC = min. CIN(ICC) = 30 pF max. Signal low Signal high Minimum VCC – 0.5 Maximum VCC Unit V 0 0.4 V — 0.8 µs – 0.25 0.4 V VCC – 0.5 VCC + V 0.25 class A terminals until end December 2013; see Table 1 Symbol VOH VOL tR and tF Signal perturba- tions Conditions 0 &lt; IOH &lt; 50 µA – 50 µA &lt; IOL < 0 CIN(ICC) = 30 pF max. Signal low Signal high Minimum 0.8 x VCC 0 — Maximum VCC 0.15 x VCC 0.8 Unit V V µs – 0.25 0.15 x V VCC 0.8 x VCC VCC + V 0.25 new terminal values from January 2014; see Table 1 Table 13: Electrical Characteristics of RST from Terminal November 2011

5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5.5.6 Supply Voltage (VCC) The terminal shall generate a VCC of 5 V ± 0.4 V DC and shall be capable of delivering steady state output current in the range 0 to 55 mA whilst maintaining VCC within these tolerances. The supply shall be protected from transients and surges caused by internal operation of the terminal and from external interference introduced via power leads, communications links, etc. VCC shall never be less than –0.25V with respect to ground. During normal operation of an ICC, current pulses cause voltage transients on VCC as measured at the ICC contacts. The power supply shall be able to counteract transients in the current consumption of the ICC having a charge ≤30 nAs, a duration ≤400 ns, an amplitude ≤100 mA, and a rate of change of current ≤1 mA/ns, ensuring that VCC remains within the range specified. See Figure 4 for the maximum envelope of the pulse. 120 Icc(mA) 100 80 60 40 20 class A terminals until end December 2013; see Table 1 -100 -20 100 200 300 400 500 t(ns) Figure 4: Maximum Current Pulse Envelope

November 2011

EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements 5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal The terminal shall generate a VCC within one of the range(s) specified in Table 14 below for the class(es) supported, and shall be capable of delivering the corresponding steady state output current whilst maintaining VCC within that range. If the terminal supports more than one class, it shall always generate a VCC from the class containing the highest voltage range available. For proprietary reasons terminals may support the capability to negotiate with the ICC the voltage class to be used, but this is outside the scope of EMV, and is not supported by ICCs conforming to this specification. Attempting class negotiation with such an ICC may result in the ICC being rejected. The supply shall be protected from transients and surges caused by internal operation of the terminal and from external interference introduced via power leads, communications links, etc. VCC shall never be less than –0.25V with respect to ground. Symbol VCC ICC Conditions Class A Class B Class C Class A Class B Class C Minimum 4.60 2.76 1.66 55 55 35 Maximum Unit 5.40 V 3.24 1.94 mA Table 14: Terminal Supply Voltage and Current new terminal values from January 2014; see Table 1 November 2011

5 Electromechanical Interface 5.5 Electrical Characteristics of the Terminal EMV 4.3 Book 1 Application Independent ICC to Terminal Interface Requirements During normal operation of an ICC, current pulses cause voltage transients on VCC as measured at the ICC contacts. The power supply shall be able to counteract transients in the current consumption of the ICC having characteristics within the maximum charge envelope applicable to the class of operation as shown in Figure 5, ensuring that VCC remains within the range specified. 120 Icc(mA) 100 80 Class A, 30 nAs max Class B, 17.5 nAs max Class C, 11.1 nAs max 60 40 20 new terminal values from January 2014; see Table 1 -100 -20 100 200 300 400 500 t(ns) Figure 5: Maximum Current Pulse Envelopes Note: Terminals may be designed to be capable of delivering more than required current, but it is recommended that terminals limit the steady state current that can be delivered to a maximum of 200 mA.

5.5.7 Contact Resistance The contact resistance as measured across a pair of clean IFD and clean nominal ICC contacts shall be less than 500 mΩ throughout the design life of a terminal (see ISO/IEC 7816-1 for test method). Note: A nominal ICC contact may be taken as 1.25 µm of gold over 5.00 µm of nickel.

5.5.8 Short Circuit Resilience The terminal shall not be damaged in the event of fault conditions such as a short circuit between any combinations of contacts. The terminal shall be capable of sustaining a short circuit of any duration between any or all contacts without suffering damage or malfunction, for example, if a metal plate is inserted.

November 2011

EMV 4.3 Book 1 Application I

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