Application selection

Application selection[edit]

ISO/IEC 7816 defines a process for application selection. The intent of application selection was to let cards contain completely different applications—for example GSM and EMV. However, EMV developers implemented application selection as a way of identifying the type of product, so that all product issuers (Visa, MasterCard, etc.) must have their own application. The way application selection is prescribed in EMV is a frequent source of interoperability problems between cards and terminals. Book 1[15] of the EMV standard devotes 15 pages to describing the application selection process.

An application identifier (AID) is used to address an application in the card. An AID consists of a registered application provider identifier (RID) of five bytes, which is issued by the ISO/IEC 7816-5 registration authority. This is followed by a proprietary application identifier extension (PIX), which enables the application provider to differentiate among the different applications offered. The AID is printed on all EMV cardholder receipts.

List of applications:

Card schemeRIDProductPIXAID
Danmønt (Denmark)A000000001Cash card1010A0000000011010
VisaA000000003Visa credit or debit1010A0000000031010
Visa Electron2010A0000000032010
V Pay2020A0000000032020
Plus8010A0000000038010
MasterCardA000000004MasterCard credit or debit1010A0000000041010
MasterCard[16]9999A0000000049999
Maestro (debit card)3060A0000000043060
Cirrus (interbank network) ATM card only6000A0000000046000
MasterCardA000000005Maestro UK (formerly branded as Switch)0001A0000000050001
American ExpressA000000025American Express01A00000002501
LINK (UK) ATM networkA000000029ATM card1010A0000000291010
CB (France)A000000042CB (Credit or Debit card)1010A0000000421010
CB (Debit card only)2010A0000000422010
JCBA000000065Japan Credit Bureau1010A0000000651010
Dankort (Denmark)A000000121Debit card1010A0000001211010
Dankort (Debit card)4711A0000001214711
Consorzio BANCOMAT (Italy)A000000141BANCOMAT/PagoBANCOMAT0001A0000001410001
Diners Club/DiscoverA000000152Diners Club/Discover3010A0000001523010
Banrisul (Brazil)A000000154Banricompras Debito4442A0000001544442
SPAN2 (Saudi Arabia)A000000228SPAN1010A00000022820101010
Interac (Canada)A000000277Debit card1010A0000002771010
DiscoverA000000324ZIP1010A0000003241010
UnionPayA000000333Debit010101A000000333010101
Credit010102A000000333010102
Quasi Credit010103A000000333010103
Electronic Cash010106A000000333010106
ZKA (Germany)A000000359Girocard1010028001A0000003591010028001
EAPS BANCOMAT (Italy)A000000359PagoBANCOMAT10100380A00000035910100380
Verve (Nigeria)A000000371Verve0001A0000003710001
The Exchange Network ATM NetworkA000000439ATM card1010A0000004391010
RuPay (India)A000000524RuPay1010A0000005241010
MIR (Russia)A000000658MIR Debit2010A0000006582010
MIR Credit1010A0000006581010
EdenredA000000436Ticket Restaurant (Belgium)0100A0000004360100
eftpos (Australia)A000000384Savings (debit card)10A00000038410
Cheque (debit card)20A00000038420
GIM-UEMOA (8 West African countries

Benin

Burkina Faso

Côte d'Ivoire

Guinea Bissau

Mali

Niger

Senegal

Togo)

A000000337RETRAIT01 000001A000000337301000
STANDARD01 000002A000000337101000
CLASSIC01 000003A000000337102000
PREPAYE ONLINE01 000004A000000337101001
PREPAYE POSSIBILE OFFILINE01 000005A000000337102001
PORTE MONNAIE ELECTRONIQUE01 000006A000000337601001