EMV流程介绍.ppt

发卡行脚本 发行后更新 锁定/解锁能力 应用锁定/解锁 卡片锁定 PIN更改/解锁 Start-up 启 动 数据 认证 持卡人 验证 终端 功能 卡片 行为分析 结 束 交易结束 结束 生成封装交易信息的密文 批准 交易证书 (TC) 拒绝 应用认证密文 (AAC) 用于以后可能的争议处理和审核跟踪 Start-up 启 动 数据 认证 持卡人 验证 终端 功能 卡片 行为分析 结 束 Application Version Number is the version number assigned by the payment system for the application. It is the version of VIS supported. Transaction type - Domestic/International, purchases, cashback Optional Application effective date checking to ensure that the application is active Application Expiration Date is mandatory. If the terminal exception file is present, the terminal checks whether the Application PAN from the card is listed in the exception file Transactions with amounts exceeding the terminal floor limits are sent online for authorisation Terminals capable of supporting both offline and online transactions shall randomly select transactions for online processing. No card data is used in this process Terminal Action Analysis involves two steps Review offline processing results and decide if the transactions should go online, approve offline or decline offline. Decision process takes into consideration the issuer defined criteria from the card called the Issuer Action Codes (IAC) and the Visa-defined criteria called the Terminal Action Code. Card Verification Results is a Visa proprietary data element indicating the results of offline processing from current and previous transactions from a card perspective. The data is transmitted online as part of the Issuer Application Data Based on the Card Risk Management, the card responds to the GENERATE AC command issued by the terminal. The card’s response may override the cryptogram type designated by the terminal EMV交易流程 卡片与终端交互过程 $52.95 Member Bank 批准 或 拒绝 Start-up 启 动 数据 认证 持卡人 验证 终端 功能 卡片 行为分析 结束 应用选择 应用初始化 读应用数据 处理限制 终端风险管理 终端行为分析 联机处理 发卡行脚本 结束处理 卡片与终端交互过程 应用选择 应用初始化 读应用数据 Start-up 启 动 数据 认证 持卡人 验证 终端 功能 卡片 行为分析 结 束 应用选择 一、决定终端和卡片共同支持的应用 两种选择方法： PSE选择方法 应用列表选择方法 二、选择交易应用 应用选择 Start-up 启 动 数据 认证 持卡人