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PERSONALIZATION DATA SPECIFICATIONSFOR DEBIT AND CREDIT ON CHIP

MasterCard International Incorporated August 1998

Notice:

The information contained in this manual is proprietary and confidential to MasterCard International Incorporated and its members. This material may not be duplicated, published, or disclosed, in whole or in part, without the prior written permission of MasterCard International Incorporated.

Trademarks:

All products, names, and services are trademarks or registered trademarks of their respective companies.

Personalization Data Specification August 1998

1998 MasterCard International Incorporated

Table of Contents

ABBREVIATIONS AND NOTATIONS Abbreviations ............................................................................. iv Notations ..................................................................................... v SECTION 1 OBJECTIVE AND SCOPE 1.1 Purpose .............................................................................. 1-1 1.2 Objective and Scope .......................................................... 1-2 SECTION 2 REFERENCES 2.1 Related Information ........................................................... 2-1 SECTION 3 PERSONALIZATION DATA ELEMENTS 3.1 Organization ...................................................................... 3-1 3.2 Conventions ....................................................................... 3-1 3.3 Cardholder and Card Specific Data .................................... 3-3 3.3.1 Application Default Action........................................ 3-3 3.3.2 Application Effective Date ........................................ 3-4 3.3.3 Application Expiration Date ...................................... 3-4 3.3.4 Application Primary Account Number (PAN) ........... 3-5 3.3.5 Application PAN Sequence Number.......................... 3-5 3.3.6 Cardholder Name ...................................................... 3-5 3.3.7 Cardholder Name Extended ....................................... 3-6 3.3.8 Data Authentication Code ......................................... 3-6 3.3.9 Language Preference ................................................. 3-7 3.3.10 Reference PIN ......................................................... 3-7 3.3.11 SDA Tags for Signing ............................................. 3-8 3.3.12 Track 2 Discretionary Data ...................................... 3-8 3.3.13 Track 2 Equivalent Data .......................................... 3-9 3.4 MCPA Application Data ............................................... 3-10 3.4.1 Application Currency Code ..................................... 3-10 3.4.2 Application Currency Exponent .............................. 3-10 3.4.3 Application File Locator (AFL) ............................... 3-11 3.4.4 Application Identifier (AID) .................................... 3-12 3.4.5 Application Interchange Profile ............................... 3-13 3.4.6 Application Label .................................................... 3-14Personalization Data Specifications August 1998 i

Table of Contents

3.4.7 Application Preferred Name .................................... 3.4.8 Application Priority Indicator .................................. 3.4.9 Application Reference Currency .............................. 3.4.10 Application Reference Currency Exponent ............ 3.4.11 Application Usage Control .................................... 3.4.12 Application Version Number ................................. 3.4.13 Issuer Country Code .............................................. 3.4.14 Processing Options Data Object List (PDOL) ........ 3.4.15 Service Code ......................................................... 3.5 CVM/PIN Data ................................................................ 3.5.1 Cardholder Verification Method (CVM) List........... 3.5.2 PIN Try Limit ......................................................... 3.6 Card Risk Management Data ........................................... 3.6.1 Card Risk Management Data Object List 1 (CDOL1) ....................................................................... 3.6.2 Card Risk Management Data Object List 2 (CDOL2) ....................................................................... 3.6.3 Issuer Action CodeDefault..................................... 3.6.4 Issuer Action CodeDenial ...................................... 3.6.5 Issuer Action CodeOnline...................................... 3.6.6 Lower Consecutive Offline Limit ............................ 3.6.7 Lower Cumulative Domestic Offline Transaction Amount .......................................................................... 3.6.8 Maximum Domestic Offline Transaction Amount .......................................................................... 3.6.9 Upper Consecutive Offline Limit............................. 3.6.10 Upper Cumulative Domestic Offline Transaction Amount .......................................................................... 3.7 SDA-Related Data ........................................................... 3.7.1 Certification Authority Public Key Index ................ 3.8 DDA-Related Data........................................................... 3.8.1 Dynamic Data Authentication Data Object List (DDOL) ......................................................................... 3.8.2 Hash Algorithm Indicator ........................................ 3.8.3 ICC Dynamic Data Length ...................................... 3.9 Additional Cryptographic Data (from Issuer) ................... 3.9.1 Cryptogram Version Number .................................. 3.9.2 Derivation Key Index .............................................. 3.9.3 Issuer Private Key ................................................... 3.9.4 Issuer Public Key Certificate ................................... 3.9.5 Issuer Public Key Exponent..................................... 3.9.6 Issuer Public Key Remainder ..................................Personalization Data Specification August 1998 ii

3-15 3-15 3-16 3-16 3-17 3-18 3-18 3-19 3-19 3-20 3-20 3-21 3-22 3-22 3-23 3-25 3-25 3-26 3-26 3-27 3-27 3-28 3-28 3-29 3-29 3-30 3-30 3-30 3-31 3-32 3-32 3-32 3-33 3-33 3-34 3-34

1998 MasterCard International Incorporated

Table of Contents

3.9.7 Issuer Master Key for ICC Cryptogram DEA Keys...................................................................... 3.9.8 Issuer Master Key for ICC MAC DEA Keys ........... 3.9.9 Issuer Master Key for ICC PIN DEA Keys .............. 3.10 Cryptographic/Internal Data ........................................... 3.10.1 Application Transaction Counter (ATC) ................ 3.10.2 Cryptogram DEA Key ........................................... 3.10.3 ICC Asymmetric Secret Key Data ......................... 3.10.4 ICC Public Key Certificate .................................... 3.10.5 ICC Public Key Exponent ..................................... 3.10.6 ICC Public Key Remainder ................................... 3.10.7 Message Authentication Code (MAC) DEA Key ....................................................................... 3.10.8 PIN DEA Key ....................................................... 3.10.9 Signed Static Application Data .............................. 3.10.10 Various Indicators/Counters ................................ SECTION 4 EXAMPLE OF DATA STRUCTURE

3-34 3-35 3-35 3-36 3-36 3-37 3-37 3-38 3-38 3-38 3-39 3-39 3-40 3-40

4.1 Overview ........................................................................... 4-1 SECTION 5 PRIVATE CLASS TAGS 5.1 Overview ........................................................................... 5-1 GLOSSARY Overview ...................................................................... Glossary-1 Terms ........................................................................... Glossary-1

Personalization Data Specifications August 1998 iii

Abbreviations and Notations

ABBREVIATIONS USED IN THIS MANUAL This manual uses the following abbreviations and notations. For definitions of these terms, refer to the Glossary at the back of this document. a AAC AAR AC ADF AFL AID AIP an ans ARPC ARQC ATM b cn CAM CAT CDOL CVC CVM CVR DDA DDOL DEA DES EMV ICC IEC ISO LCOL LRC M MAC MCC MCPA n NCA Alphabetic character(s) Application Authentication Cryptogram Application Authorization Referral Application Cryptogram Application Definition File Application File Locator Application Identifier Application Interchange Profile Alphanumeric character(s) Alphanumeric and special character(s) Authorization Response Cryptogram Authorization Request Cryptogram Automated Teller Machine Binary character(s) Compressed numeric character(s) Card Authentication Method Cardholder Activated Terminal Card Risk Management Data Object List Card Validation Code Cardholder Verification Method Card Verification Results Dynamic Data Authentication Dynamic Data Authentication Data Object List Data Encryption Algorithm (= DES) Data Encryption Standard (= DEA) Europay, MasterCard, and Visa Integrated Circuit Card International Electrotechnical Commission International Organization for Standardization Lower Consecutive Offline Limit Longitudinal Redundancy Check Mandatory Message Authentication Code Merchant Category Code MasterCard Chip Payment Application Numeric character(s), digits Length of the Certification Authority Public Key modulus 1998 MasterCard International Incorporated

Personalization Data Specification August 1998 iv

Abbreviations and Notations

NI NIC O PAN PIN POI PSE R RID RFU SDA SFI SHA-1 TC TLV UCOL var.

Length of the Issuer Public Key modulus Length of the ICC Public Key modulus Optional Primary Account Number Personal Identification Number Point of Interaction Payment System Environment Recommended Registered Identifier Reserved for Future Use