CDA CVC3 User Manual

MasterCard® PayPass™ M/Chip, Issuer Implementation Requirements v.1-A4 6/06

1. USING THESE REQUIREMENTS 10 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 1.10 Further Information Further inform

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 11 . INTRODUCTION 2.1 What Is MasterCard PayPass? MasterCard PayPas

2. INTRODUCTION 12 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 2.3 Contactless Technology The PayPass—M/Chip appli

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 13 2.4 Processing PayPass Transactions A typical PayPass—M/Chip trans

14 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS . ISSUER IMPACT 3.1 Introduction This section analyzes what a ca

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 15 3.3 Card Design Issuers wishing to issue PayPass cards must obtain

3. ISSUER IMPACT 16 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 3.3.2 PayPass Logo and Design Approval When a car

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 17 The different components of a dual-interface card are illustrated

3. ISSUER IMPACT 18 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 3.5.1 PayPass—M/Chip Data Objects The PayPass—M/C

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 19 The issuer must take into account the following limitations impose

2 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS TABLE OF CONTENTS 1 USING THESE REQUIREMENTS ...

3. ISSUER IMPACT 20 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 3.5.2.5 Online Processing PayPass—M/Chip is mainly

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 21 • Static CVC3 The PayPass—M/Chip application allows the deactivati

3. ISSUER IMPACT 22 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 3.7 Personalization Although the PayPass—M/Chip ap

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 23 NOTE The issuer should refer to Protecting MasterCard PayPass Card

3. ISSUER IMPACT 24 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 3.9.2.1 Dynamic CVC3 Verification To verify the d

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 25 3.9.3.2 Issuer Application Data For the interpretation of the Iss

3. ISSUER IMPACT 26 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS NOTE To check whether the IHS accepts the PayPass

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 27 The Card Personalization Validation service includes extensive tes

28 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS . PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 4.1 Introduc

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 29 Table 2 lists the data objects that must be included (if present)

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 3 Copyright The information contained in this manual is proprietary a

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 30 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS TAG DESCRIPTI

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 31 The predefined file structure for the contactless interface result

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 32 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS Although many

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 33 SFI 1 SFI 3 REC. TAG DESCRIPTION REC. TAG DESCRIPTION 1 ‘9F6

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 34 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS Byte 1 (leftmo

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 35 Table 15 describes the coding of the Application Control (PayPass)

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 36 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 4.4.1 Mag Str

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 37 4.5 Configuring the CIACs (PayPass) The CIACs (PayPass) are repr

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 38 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS NOTE The Track

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 39 • PUNATCTRACK1 to indicate the positions of the UN (Numeric) and A

4 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS . USING THESE REQUIREMENTS 1.1 Purpose This document provides guid

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 40 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS An example is

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 41 The following is an example of how the issuer may organize the dis

4. PERSONALIZATION OF THE PAYPASS—M/CHIP APPLICATION 42 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS NOTE The lengt

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 43 4.7.6 Mag Stripe CVM List The PayPass—M/Chip application returns

APPENDICES 44 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS Appendix A: PayPass Network Upgrade PayPass Indication N

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 45 Clearing Messages As with authorization messages, specific values

46 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS Appendix B: Data Objects Personalization Values Introduction This

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 47 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE ‘9F6

APPENDICES Appendix B: Data Objects Personalization Values, continued 48 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 49 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE ‘8D

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 5 1.4 Overview The following table provides an overview of the chapte

APPENDICES Appendix B: Data Objects Personalization Values, continued 50 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 51 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE ‘9F

APPENDICES Appendix B: Data Objects Personalization Values, continued 52 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 53 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE ‘C4

APPENDICES Appendix B: Data Objects Personalization Values, continued 54 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 55 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE – I

APPENDICES Appendix B: Data Objects Personalization Values, continued 56 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 57 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE – A

APPENDICES Appendix B: Data Objects Personalization Values, continued 58 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 59 TAG DATA OBJECT FORMAT LENGTH (BYTES) DESCRIPTION EXAMPLE – Le

1. USING THESE REQUIREMENTS 6 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 1.6 Related Publications The following p

APPENDICES Appendix B: Data Objects Personalization Values, continued 60 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMEN

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 61 Public Exponent: ‘03’ Private Exponent: ‘1AC253A62FFC28F2CA67EE9B

APPENDICES 62 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS Appendix C: Glossary Term Description M/Chip 4 Applicat

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 63

© 2006 MasterCard International Incorporated PayPass-24 v.1-A4 6/06

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 7 1.7 Related Information The following reference materials may be of

1. USING THESE REQUIREMENTS 8 v.1-A4 6/06 MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS 1.8 Abbreviations The following abbrevia

MASTERCARD PAYPASS—M/CHIP, ISSUER IMPLEMENTATION REQUIREMENTS v.1-A4 6/06 9 ABBREVIATION DESCRIPTION MAC Message Authentication Code MIFARE™