EMV CVM Lists

ING-DiBa Visa (DE, issued 8/2014)

AID: a0 00 00 00 03 10 10 (VISA Debit/Credit (Classic))
Label: Visa Credit NFC
Preferred Name:

Cardholder Verification Method (CVM) List:

Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If purchase with cashback
Fail cardholder verification if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Signature (paper)
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful
Cardholder Verification Rule
Rule: No CVM required
Condition Code: Always
Fail cardholder verification if this CVM is unsuccessful

+ first CVM for POS is Online-PIN (mostly no signature required)
supports no Offline-PIN (bad for i.e. UK, France and some unattended vending machines/checkouts)

+ NFC-enabled (VISA PayWave)


Barclaycard Germanwings Gold MasterCard (DE, issued 7/2015)

AID: a0 00 00 00 04 10 10 (MasterCard Credit)
Label: MASTERCARD
Preferred Name: BARCLAYCARD

Cardholder Verification Method (CVM) List:

Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If unattended cash
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Signature (paper)
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: No CVM required
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful

+ supports Online-PIN, though seldomly requested
supports no Offline-PIN (bad for i.e. UK, France)
1st CVM is signature, bad for most of Europe, bad for unattended POS like self-checkouts

+ NFC-enabled (Mastercard PayPass)


Barclaycard Germanwings Gold Visa (DE, issued 7/2015)

AID: a0 00 00 00 03 10 10 (VISA Debit/Credit (Classic))
Label: VISA
Preferred Name: BARCLAYCARD

Cardholder Verification Method (CVM) List:

Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If unattended cash
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Signature (paper)
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful
Cardholder Verification Rule
Rule: Enciphered PIN verified online
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful
Cardholder Verification Rule
Rule: No CVM required
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful

+ supports Online-PIN, though seldomly requested
supports no Offline-PIN (bad for i.e. UK, France)
1st CVM is signature, bad for most of Europe, bad for unattended POS like self-checkouts

+ NFC-enabled (VISA PayWave)


AirPlus Corporate Mastercard (DE, issued 3/2014)

AID: <tba>
Label: <tba>
Preferred Name: <tba>

Cardholder Verification Method (CVM) List:

Rule: Enciphered PIN verified online
Condition Code: If unattended cash
Apply succeeding CV Rule if this CVM is unsuccessful

Rule: Plaintext PIN verification performed by ICC
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful

Rule: Enciphered PIN verified online
Condition Code: If terminal supports the CVM
Apply succeeding CV Rule if this CVM is unsuccessful

Rule: Signature (paper)
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful

Rule: No CVM required
Condition Code: If terminal supports the CVM
Fail cardholder verification if this CVM is unsuccessful

+ supports all commonly used PIN-CVMs (Online & 2 Offline)
+ Signature practically never requested

+ NFC-enabled (Mastercard PayPass)


Cards read with javaemvreader (https://github.com/sasc999/javaemvreader or https://code.google.com/p/javaemvreader/)

Feel free to submit your results and complete the list!

Advertisements