EMV splinter Writing Software guidance 2023
Now, insert an EMV splinter Writing Software guidance 2023 chip card into your smart card reader, fire up the shell, and load the emv/dump.js script
make sure you have the right path to where the script is.
EMV splinter Writing Software guidance 2023 on how to use the EMV Chip Writing Software.
Once is done run EMV splinter Writing Software guidance 2023 as admin in the same folder with the rest of the files,You will see an box asking you for your License key Enter your license key and allow to the software Min for the complete installation.
Connect your hardware to your laptop From the software Interface Select your hardware and press connect it is connected then the software will show you a popup with the connected Hardware.
From the software interface select your card format and press Check USB Port a popup will show you the connected com port.
Select your type of card Visa,MasterCard Etc
Press the Button EMV splinter Writing Software guidance 2023 splinter Writing Software guidance 2023 ARQC Key (this will generate a unique ARQC Key)
Press EMV splinter Writing Software guidance 2023 splinter Writing Software guidance 2023 Master Key (This will Generate a Master Key)
Check the Box Generate a New ICVV For Each Transaction, Accept EPI MCI Credit Debit, Accept ARPC Key, Store ARPC Key ,USE EMV splinter Writing Software guidance 2023 Tag and ICVV.
Press the button Check ARQC Key and Check Master Key.
Select The Card Expiration Data (The day is not Important Only the Month and Year)
Enter The Pin code if you have it (If you are in USA and you want to use the card in POS then the PIN Is not Necessary but if you will like to use the Card in ATM then You need the Pin code)
Enter Track 1 and Track 2 ATTENTION THE TRACK 2 NEED TO BE WITH because the software will burn the data over your EMV splinter Writing Software guidance 2023 splinter Writing Software guidance 2023 in .hex format since the POS/ATM is communicating in.
Now press Valid data a popup will show up with the data you write in the software interface please check if is correct if it is then press Burn-card Button and allow the software 30/1 Min in order for it to burn the data over the EMV splinter Writing Software guidance 2023 splinter Writing Software guidance 2023 .
Press the button EXIT to exit the software,IMPORTANT DON’T PULL OUT THE CARD WHEN THE SOFTWARE IS OPEN EXIT THE SOFTWARE THEN YOU PULL-OUT THE CARD.
In the old days, the curious bunch bought magnetic card readers to see what’s encoded in the mag stripe. These mag card readers, and many of the similar used in restaurants and stores, simply emulate keyboard input, so what’s read when a card is swiped is sent through keyboard I/O to the operating system. Thus, opening Notepad allows us to see what’s in the mag stripe.
Payment card footprint is ISO/IEC ID-1 standard. Payment card with Chip is conforming to ISO/IEC 7816, which is also called a Smart Card. Some of the professional grade laptops come with a built-in smart card slot (for access cards), but any USB smart card reader will do. For example, this one for $15. Most of them work with Windows and Mac, but if you are on Linux, chances are they will also work, but you might want to dig a little deeper.
Software
You can certainly write your own software to interact with the reader. Or you can download and use free Smart Card Shell from CardContact Developer Network. You can get access to their git repository if you register with their developer network and store the access key in a SmartCard HSM.
Smart Card Shell is written in Java, so you want to have a JRE on your computer. The latest OpenJDK 14 works smoothly.
Once installed, there are 2 ways to run the shell. scsh3 (or scsh3.cmd) runs the shell in a command line console; scsh3gui (or scsh3gui.cmd) runs a simple GUI which has a a nice “trace” tab that logs not only what you explicitly print in your script, but also the raw interaction with the card.
Since we are interested in EMV splinter Writing Software guidance 2023 , Smart Card Shell also provides EMV abstraction library to work with them.
You can git clone or download the scripts from https://github.com/CardContact/scsh-scripts
Congratulations! Now you have successfully peeked into your EMV splinter Writing Software guidance 2023 card.
EMV splinter Writing Software guidance 2023 abstracts the operations supported by EMV splinter Writing Software guidance 2023 , emvView.js pretty formats the data for display.
Card is what Smart Card Shell provides as an abstraction to interact with smart cards. RESET_COLD is to power off and on to the card.
The very first step of an EMV splinter Writing Software guidance 2023 processing is to select a Payment Service Envrionment (PSE). In general, there are contact and contactless environments. Since we are using a card reader which by definition is contact, selectPSE() with false to indicate it’s not contactless.
An EMV splinter Writing Software guidance 2023 card may support one or many “Applications” which are denoted by Application ID (AID). For example, Visa Credit has an AID, Visa Debit has a different AID, MasterCard has many AIDs for different products, etc. On a single card, it can support multiple AIDs, for example, both credit and debit; multiple AIDs are priorized.
Terminals have supported AIDs as provisioned by acquirers. So this is a handshake for the terminal and card to agree on which AID to process on. The complete list of AIDs can be found here. The sample script that simulates a terminal supports 3 AIDs, which can be found in EMV splinter Writing Software guidance 2023
Card can also decide which data are required from terminal before terminals start to read application data. Terminals format these Processing Data Object List (PDOL) and send them to cards in Get Processing Options operation. This is done in initApplProc() function in
Get Processing Options returns Application Interchange Profile (AIP), which processing steps are supported (card authentication, cardholder verification, etc.) for this transaction.
Now, the terminal can read the application data from the card. Application File Locator (AFL) has the instruction on how to read the data. AFL also indicates which data read are used in Data Authentication (DA) process. These are encoded in the 4 bytes for every Short File Identifier (SFI) inside AFL.
This part shows my American Express card, its AID, the track 2 data (track 2 is what’s normally encoded in the mag stripe of a card, and is what’s being transmitted for processing), and my PAN. Note I masked mine, but you should see the full PAN.
Dynamic Data Authentication (DDA using 3 layers of RSA key pairs including one for the card itself) is supported, but not Static Data Authentication (SDA only CA and Issuer key pairs) for weak security
Cardholder Verification Methods (CVM) are supported (we will see what methods next)
Terminal Risk Management can make decisions on its own, ie. offline, to 1) force a transaction to go online; 2) check if recent transaction amounts exceed a floor limit set on the card; 3)
if velocity exceeds a threshold set on the card. For the latter 2, terminal can reject the transactions without consulting issuers or networks
Issuer Authentication is where Issuer, after authorizes a transaction, sends authorization result as well as an application cryptogram called ARPC (Application ResPonse Cryptogram) back to terminal. The terminal can, if Issuer Authentication is supported on card as indicated by AIP, ask the card to verify the ARPC using the secret key the card shares with issuer.
Application Priority Indicator: 01
This selected AID has the highest priority, if there are multiple AIDs matching between terminal and card.
Card Risk Management Data Object List
Authorised amount of the transaction (excluding adjustments)
Secondary amount associated with the transaction representing a cashback amount
Terminal Country Code
Transaction Currency Code
Transaction Date
Transaction Type
Unpredictable Number
Card Risk Management Data Object List 2 (EMV splinter Writing Software guidance 2023 )
Authorisation Response Code
– Authorised amount of the transaction (excluding adjustments)
– Secondary amount associated with the transaction representing a cashback amount
– Terminal Country Code
Terminal Verification Results
– Transaction Currency Code
– Transaction Date
Transaction Type
– Unpredictable Number
Card Risk Management Data Object List (CDOL) are the data elements needed to generate Application Cryptogram (AC). CDOL1 is the requirement to generate Application ReQuest Cryptogram (ARQC) by card and sent to issuer for authorization; CDOL2 is the requirement to generate Application ResPonse Cryptogram (ARPC) by issuer and returned in authorization message.
Cardholder Verification Method (EMV splinter Writing Software guidance 2023)
Enciphered PIN verified online
If unattended cash
Fail cardholder verification if this EMV splinter Writing Software guidance 2023 is unsuccessful
Signature (paper)
If terminal supports the EMV splinter Writing Software guidance 2023
Fail cardholder verification if this EMV splinter Writing Software guidance 2023 is unsuccessful
No CVM required
If not unattended cash and not manual cash and not purchase with cashback
Fail cardholder verification if this EMV splinter Writing Software guidance 2023 is unsuccessful
Fail CVM processing
Always
Cardholder Verification Methods (EMV splinter Writing Software guidance 2023 ) is a prioritized list of rules.
For example, the first rule says if this card is used in an unattended cash transaction, require encrypted PIN online, if it fails, not the end of the world, try the next verification method that’s applicable. The next one in line is “Signature (paper)” if terminal supports it. But most likely an unattended cash transaction wouldn’t have the signature capability, for unattended cash, it will likely skip it.
The next one is “No EMV splinter Writing Software guidance 2023 equired” but the condition explicitly excludes unattended cash. The final one is always “Fail CVM processing”. So, in nutshell, for unattended cash transaction, one has to successfully pass online encrypted PIN verification.
If the transaction is credit card in store, it will activate “Signature (paper)” rule, the terminal will print a receipt with signature line, and instructs the store clerk to obtain customer signature.
If the transaction is credit card without cashback at a vending machine, it will activate “No CMV Required” rule, which doesn’t need cardholder verification.
Dynamic Data Authentication Data Object List (DDOL)
Static Data Authentication Tag List: 82
Certification Authority (CA) Public Keys are loaded on terminals by acquirers. CA in EMV splinter Writing Software guidance 2023 context are card schemes (Visa, MasterCard, AMEX, etc.), each can have multiple public keys. Therefore an index is needed to indicate which public key is used to provision this card. The full list of CA public keys can be found here.
CA Public Key is used by terminal to restore Issuer Public Key from the Issuer Public Key Certificate.
The data structure holding Issuer Public Key is often too small for the complete key, therefore, the remainder in Issuer Public Key Remainder needs to be concatenated to the restored Issuer Public Key for completeness.
Similarly, for cards that support offline Dynamic Data Authentication, the ICC Public Key is also embedded in the card in the format of ICC Public Key Certificate. Issuer Public Key is used to restore ICC Public Key from ICC Public Key Certificate.
Similarly, ICC Public Key Remainder contains the overflow of the key.
Dynamic Data Authentication Data Object List (DDOL) denotes which data elements need to be used to run a Dynamic Data Authentication. In this case it’s an unpreditable (random) number.
Static Data Authentication Tag List is the piece of original data together with ICC Public Key that are signed into the ICC Public Key Certificate. It is needed to verify if the ICC Public Key Certificate is authentic.
Number of records involved in offline data authentication: 0
AFL indicates how to read application data from the card, and which ones are used in data authentication (see above)
Application Usage Control: FF00
Valid at terminals other than ATMs
Valid at ATMs
Valid for international services
Valid for domestic services
Valid for international goods
Valid for domestic goods
Valid for international cash transactions
Valid for domestic cash transactions
The card also dictates which use cases are supported. If a terminal’s use case isn’t supported in this list, terminal should fail the transaction.
Further Experiment
A sample script is also included in the git repository. This script not only dumps the data from EMV splinter Writing Software guidance 2023 cards, but also attempts to
do a Static Data Authentication (SDA)
do a Dynamic Data Authentication (DDA)
generate an Application Cryptogram (AC)
Note that many new EMV splinter Writing Software guidance 2023 cards do not support SDA (like mine). If your dump of AIP says only DDA is supported, please comment out the SDA code invocation in doemv.js:
Also important, the CA Public Keys stored in git repository are incomplete, in fact, it only contains a subset of Visa public keys. So in order to support your card, you may need to supplement it with the public key needed by your card.
To find which CA public key is needed, add a debug print in dataAuthentication.js to print out rid and index:
Then look up the CA Public Key here by rid and index. For example, my AMEX card’s rid is A000000025 and index is 0F, so the missing public key is
Add a new XML inside scheme public key directory (this directory is in parallel to EMV splinter Writing Software guidance 2023 ), similar to the Visa public key XMLs already there. Make sure you replace the followings correctly
MODULUS” Encoding=”HEX” Value=””> The value here is the public key looked up above.
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