PCI Watch

Tracking changes across the Payment Card Industry

SB nº AN-28 : Data Source for Chip-originated Messages (Clarification)

v1.0 Specification Bulletins

Application Note N° 28 First Edition July 2005 Data Source for Chip-originated Messages When a transaction is identified in acquirer interface messages as chip-read, all data in the messages shall originate from the chip

Applicability

This Application Note applies to:

  • EMV Integrated Circuit Card Specifications for Payment Systems Version 4.1 Book 4

Related Documents

  • None Testing
  • Any changes or additions to testing resulting from this bulletin will become effective no later than 1st January 2006

Description

When a transaction is identified in acquirer interface messages as chip-read, all card-originated data in the message shall originate from the chip. It is not acceptable to populate the messages partially with data read from the chip and partially with data read from the magnetic stripe (if also read). This is of importance not only when a multi-application card is used. On a multi-application card, the application selected and used in the chip-read transaction might not be the same as the one encoded on the magnetic stripe. Specification Clarification Notice In the next version of the EMV Integrated Circuit Card Specifications for Payment Systems, Book 4, section 12.1, it is intended to add the following two sentences at the end of the penultimate paragraph: ‘For ICC transactions, the values of all card-originated data contained in acquirer interface messages shall be as read from the chip. It is not acceptable to populate the messages partially with data read from the chip and partially with data read from the magnetic stripe (if also read).’ © 1994-2005 EMVCo, LLC (“EMVCo”). All rights reserved. Any and all uses of the EMV Specifications (“Materials”) shall be permitted only pursuant to the terms and conditions of the license agreement between the user and EMVCo found at http://www.emvco.com/specifications.cfm.