TVR: Terminal Verification Results (Tag 95). List of
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outcomes involving the transaction.
All zeroes is Tag 95 (TVR) contains five bytes of information about the transaction. Each bit is a single fact about the transaction. All zero bits is generally a clean bill of health and means the transaction could be is capable, in theory, of being approved offline (without contacting the issuer). Any non-zero bit could cause a decline or a need to contact the issuer (go online). Each bit is a single fact about the transaction.
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However, the bits do not govern the final authorization decision (which rests with the card, if a second Gen AC was requested).
The list of bit flags is shown below.
Terminal Verification Results (Tag 95)
Byte 1:
0------- Offline data authentication was not performed
-0------ SDA failed
--0----- ICC data missing
---0---- Card appears on terminal exception file
----0--- DDA failed
-----0-- CDA failed
------0- SDA selected
-------0 RFU
Byte 2:
0------- ICC and terminal have different application versions
-0------ Expired application
--0----- Application not yet effective
---0---- Requested service not allowed for card product
----0--- New Card
-----0-- RFU
------0- RFU
-------0 RFU
Byte 3:
0------- Cardholder verification was not successful
-0------ Unrecognised CVM
--0----- PIN Try Limit exceeded
---0---- PIN entry required and PIN pad not present or not working
----0--- PIN entry required, PIN pad present, but PIN was not entered
-----0-- Online PIN entered
------0- RFU
-------0 RFU
Byte 4:
0------- Transaction exceeds floor limit
-0------ Lower consecutive offline limit exceeded
--0----- Upper consecutive offline limit exceeded
---0---- Transaction selected randomly for online processing
----0--- Merchant forced transaction online
-----0-- RFU
------0- RFU
-------0 RFU
Byte 5:
0------- Default TDOL used
-0------ Issuer authentication failed
--0----- Script processing failed before final GENERATE AC
---0---- RFU
----0--- RFU
-----0-- RFU
------0- RFU
-------0 RFU
If you have tag 95 from a transaction, you can parse the bit values manually (as above) or put the whole TLV into the Parsomatic tool and check the TLVs Only checkbox to get a verbose parsing.
See also:
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