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:
1------- Offline data authentication was not performed
-1------ SDA failed
--1----- ICC data missing
---1---- Card appears on terminal exception file
----1--- DDA failed
-----1-- CDA failed
------1- SDA selected
-------X RFU
Byte 2:
1------- ICC and terminal have different application versions
-1------ Expired application
--1----- Application not yet effective
---1---- Requested service not allowed for card product
----1--- New Card
-----X-- RFU
------X- RFU
-------X RFU
Byte 3:
1------- Cardholder verification was not successful
-1------ Unrecognised CVM
--1----- PIN Try Limit exceeded
---1---- PIN entry required and PIN pad not present or not working
----1--- PIN entry required, PIN pad present, but PIN was not entered
-----1-- Online PIN entered
------X- RFU
-------X RFU
Byte 4:
1------- Transaction exceeds floor limit
-1------ Lower consecutive offline limit exceeded
--1----- Upper consecutive offline limit exceeded
---1---- Transaction selected randomly for online processing
----1--- Merchant forced transaction online
-----X-- RFU
------X- RFU
-------X RFU
Byte 5:
1------- Default TDOL used
-1------ Issuer authentication failed
--1----- Script processing failed before final GENERATE AC
---1---- Script processing failed after final GENERATE AC
----X--- RFU
-----X-- RFU
------X- RFU
-------X 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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