You start Begin a transaction with a startTransaction command. There authenticateTransaction is another step after this - authenticateTransactionthe next step, which may or may not automatically be called for youautomatically. The authenticateTransaction is a step that allows you, if desired, to "pause" the transaction, if desired, to understand what card is being processed in case you want make any changes, like change the amount if a store card is being used. At the end of the authenticateTransaction step (or the end of startTransaction step if using auto authenticate is happening-authentication), the card needs to must make a decision. It uses the CDOL1 to give the ICC the tags it needs to generate an AC - Application Cryptogram (AC). There are three types of AC:
- ARQC
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- : this is the card telling you it needs to know the host decision before it can give you
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- its final decision (GO_ONLINE)
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- ; the transaction is still in progress waiting for that data.
- AAC
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- : this is the card telling you it made its final decision, which is declined, and that you don't need to contact the host (DECLINE_OFFLINE)
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- ; the transaction is now over
- TC
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- : this is the card telling you it made its final decision, which is approved, and that you don't need to contact the host (APPROVE_OFFLINE)
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- ; the transaction is now over.
If you got ARQC, you send that AC and other relevant tags to a host for a decision. You may get up to three pieces of information from the host. The decision (tag Tag 8A), the Issuer Authentication Data (Tag 91) and issuer scripts (tag Tags 71 and 72). You feed Feed this information back to the card with a complete Transaction step completeTransaction call.
The ICC then uses tags in CDOL to generate the second application AC. This is the card making the final decision, it can be either AAC (declined) or TC (approved). The transaction is now over.
Remember that in a standard EMV transaction, it is the card that makes the final decision, not the host. There may be cases where the host approves the transaction, but the card still declines it.
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