Appendix G. Contactless ATM Requirements
G.2 Requirements
G.2.7 Data Elements and Configuration Parameters
The contactless-enabled ATM shall support the configurable data elements and parameters listed in the following table.
Table G–4: Mandatory Data Elements and Configuration Parameters
Name Tag Description
Application Identifier (AID)
Merchant Name and
Location
Terminal Country Code
Terminal Transaction
Qualifiers (TTQ)
Transaction Currency Code
Transaction Date
‘9F06’
‘9F4E’
‘9F1A’
‘9F66’
‘5F2A’
‘9A’
AIDs for Visa payment applications supported by the contactless-enabled ATM. This may include regional or program specific AIDs.
Requirement: Same as contact.
Indicates name of the contactless-enabled ATM service provider / member and the location of the
ATM. Consumer devices such as mobile phones may use this data element in their history logs.
Requirement: Same as contact.
Identifies the country in which the contactlessenabled ATM is located. Encoded according to
ISO/IEC 3166-1.
Indicates the terminal reader capabilities, requirements, and preferences to the contactless card.
See the following table for required TTQ settings.
The currency code for the transaction. Encoded according to ISO/IEC 4217.
Local date that the transaction was performed.
TTQ Settings
The contactless-enabled ATM shall configure TTQ (Tag ‘9F66’) as shown in the following table:
Note: The contactless-enabled ATM indicates in TTQ that it supports the contactless CVM methods shown in the following table even though it will only perform Online PIN for cardholder verification. This ensures that the card application will not request termination of the transaction due to contactless-enabled ATM’s inability to support a given type of cardholder verification (e.g., Signature).
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Appendix G. Contactless ATM Requirements
Transaction Acceptance Device Guide (TADG)
Table G–5: TTQ Settings
Name Tag
3
2
4
1
2
1
8
7
6
5-1
8
7
6-1
8-1
6
5
4
3
8
7
Description
0b = MSD not supported
RFU (0b)
1b = qVSDC supported
1b = EMV Contact Chip supported
0b = Online capable reader
66
1b = Online PIN supported
1b = Signature supported
67
0b = ODA for Online Authorizations not supported
1b = Online Cryptogram required
0b = CVM not required
0b = (Contact Chip) Offline PIN not supported
RFU (00000b)
0b = Issuer Update Processing not supported
1b = Mobile functionality supported (Consumer Device CVM)
68
RFU (000000b)
RFU (‘00’)
G.2.8 Amount and Transaction Type
Since the amount and transaction type are not known when the ATM requests the cryptogram from the card, the ATM provides the card with a zero amount and a Cash Disbursement transaction type to use in cryptogram generation.
This means that:
•
Cryptogram Amount (Tag ‘9F02’) sent in Field 55/Expanded Third Bit Map of the online authorization request will be zero and, in the case of Cash Disbursement, will have a different value from Field 4 (Transaction Amount).
66 A value of ‘0b’ indicates that the reader is online capable.
67 The contactless-enabled ATM should indicate support for Signature CVM even though signature verification will not be performed, as this may prevent some cards being rejected unnecessarily.
68 The contactless-enabled ATM should indicate support for Consumer Device CVM (CDCVM) even though online PIN will be performed, as this may prevent some cards being rejected unnecessarily
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Appendix G. Contactless ATM Requirements
G.2 Requirements
• Cryptogram Transaction Type (Tag ‘9C’) will be set to ’01-Cash Disbursement’ and may be different from the value in Field 3.1 (Transaction Type) in the event that the resulting transaction is not a Cash Disbursement.
When re-tapping is supported with transaction chaining (i.e., re-tapping is recommended for financial transactions and optional for non-financial transactions), the cryptographic data may be updated to include the correct cryptographic amount and transaction type. For more information on transaction
chaining, refer to Section G.2.16: Transaction Chaining.
G.2.9 Issuer Updates (Not Supported)
Issuer update processing for contactless transactions is not supported. The ATM shall discard any
Issuer Authentication data or Issuer Scripts that are received in an online authorization response.
G.2.10
PIN Services
Background:
Standard Visa PIN Management Services allow ATMs to provide a PIN change / unblock service over the contact interface of VSDC cards.
The PIN change process allows a card that supports Offline PIN to update it in the card via an Issuer
Script, synchronizing it with the changed Online PIN value held in the issuer host. If the Issuer Script is not successfully applied to the card then the ATM generates a reversal message to the issuer host, backing out the Online PIN change, too. This process ensures that the two PIN values are kept in synchronization with each other.
Because Issuer Script is not supported via the contactless interface , Visa PIN Management is only supported over the contactless interface for cards and devices that do not support Offline PIN (i.e., for these cards, the Online PIN can be changed and since Offline PIN is not supported, synchronization of the Offline PIN value with the Online PIN value using Issuer Script is not applicable).
Requirement:
Contactless-enabled ATMs shall not offer the Visa PIN Management Service for transaction sessions initiated over the contactless interface by cards or payment devices potentially supporting Offline PIN.
These cards or payment devices shall be recognized by means of the Form Factor Indicator.
Note: Because the Visa PIN Management Service is still permitted over the contact interface at contactless-enabled ATMs, the vendor / service provider can choose how to inform or instruct the cardholder after they have tapped their contactless card. For example, PIN change / unblock may not appear on the ATM display menu at all. Alternatively, it may be offered on the menu, but if the choice is selected, a display message informs the cardholder to insert their card instead and the session terminated. Such options are at vendor / service provider discretion.
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