PCI Watch

Tracking changes across the Payment Card Industry

SB nº SU-39 : Definition of the new data element: ‘Account Type’ (Spec Change)

v2.0 Specification Bulletins

Specification Update Bulletin No. 39 First Edition Version 2.0 - May 2005 Definition of the new data element: ‘Account Type’ Defines a new EMV terminal data element that may be used to identify the account type selected by a cardholder at the terminal This Bulletin has immediate effect. Products will be tested against the requirements of this bulletin commencing October 1st 2005

Applicability

This Specification Update Bulletin applies to:

  • EMV 2000 Integrated Circuit Card Specifications for Payment Systems Version 4.0 Book 3
  • EMV Integrated Circuit Card Specifications for Payment Systems Version 4.1 Book 3

Related Documents

None

Description

Sometimes a financial application on a payment card is linked to several account types at the issuer, such as credit, savings, and checking accounts. Some terminals prompt the cardholder to specify the linked account type to be used for a transaction. This terminal request can occur for both chip and magnetic stripe transactions. For chip transactions, the issuer may wish the selected account type to influence the behaviour of the application; for example, the card application might specify different CVM Lists or perform different card risk management for different account types. In many cases this may be achieved by passing information about the account type selected by the cardholder to the card using the PDOL mechanism. This information may then be used by the card to invoke the specific data, risk management parameters, etc., required to correctly process the account type selected. This Specification Update Bulletin defines a new EMV terminal data element that may be used to identify the account type selected by a cardholder at the terminal. The coding of this new data element is specified in a new Annex G to Book 3. An example of usage of the new data element is as follows (assuming the account type selected would influence the CVM or other card parameters): If a terminal supports account type selection by the cardholder (and supports the new data element), then prior to or during the application selection process (but prior to the Initiate Application process)

the cardholder is requested to indicate the account type to be used (e.g. credit, cheque/debit, etc). The information on the selected account type is stored in the (new) terminal data element “Account Type” as a numeric value. If no specific account type is selected, the value is set to ‘00’ (Default – no account specified). When requested in the PDOL, the information on the selected account type is sent to the card in the GET PROCESSING OPTIONS command data to allow the card to return the relevant AIP/AFL pair and to perform account type specific card risk management if required. It is NOT the intention to have this new data element transmitted to the acquirer/processor, as this might impact the “minimum data set” guaranteed by EMV; however, local communication protocols could use this value in the ISO 8583 DE03 field (position 3 and 4). Note that, alternatively, a private data element could be defined to provide this or similar functionality, if better suited to local or proprietary needs. Specification Change Please make the following changes to:

  • EMV Integrated Circuit Card Specification for Payment Systems Book 3 Application Specification Version 4.1 May 2004 Add a new row to Annex A Table 33: Data Elements Dictionary Account Type Indicates the type of account selected on the terminal, coded as specified in Annex G Terminal n 2 — ‘5F57’ 1 Create a new Annex G and add the following description of the new data element to it: Annex G Account Type Value 00 10 20 30 All other values RFU Account Type Default – unspecified Savings Cheque/debit Credit Table 47: Account Type