During Contactless EMV authentication, we need to know how to change the Cardholder Verification Method(CVM) result from "No CVM performed" to "Online PIN" for Master Card (A0000000041010, Group: 8)
Here are the group settings:
| Group Number | TLV |
| 00 | 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 |
| 08 | 5f2a0205565f57009f01009f02060000000000019f03060000000000009f090200029f150211119f16009f1a0205569f1c009f1d086cff0000000000009f33009f3501229f400500000000009f4e009f6d0200019f7e00df260101df6000df6200df6300df810800df810900df810a00df810d00df81170100df81180160df81190108df811a039f6a04df811c020000df811d0100df811e0110df811f0108df812306000000010000df812406000000030000df812506000000050000df812c0100ffe40108fff2083030303030303030fff506000000001000fffc0104fffd050000000000fffe050000000000ffff050000000000 |
The TLVs obtained during the Master Card transaction are as follows.
|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|
The device's TTQ (9F66) changed to a CVM enabled setting with 34C00000, but the actual card transaction result shows that the 9f34 Tag is responding with 1F0302 as No CVM required.
A: Your transaction data shows you have a transaction amount of $0.00. The transaction amount needs to be greater than the CVM limit to go through the cardholder verification process. Because you want to modify for the Mastercard brand, you do not need to change TTQ, which is used for VISA cards.
Instead, you will need to look for Tag DF8118 CVM capability when the transaction amount is greater than the reader's CVM required limit. The Tag definition is as follows:
In your Group 8 settings, DF8118 = 0x60. In other words, your reader does support online PIN and signature. If you start a transaction with the amount of $11.00 (as your CVM limit was set to $10.00) without changing your MasterCard group TLVs, you'll have a CMV result of Tag 9F34 = 420300 which is an online PIN request. Try again with a higher transaction amount, such as $11.00, and a test card: MCD50.T01.S02.
Sample log:
OUT: 5669564f746563683200024000161e9c01009f02060000000011009f0306000000000000dbb7 IN: 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
Related articles