VerifoneEMV: Second Generate AC?

Question

I am working on MasterCard Acquisition project using emv Module 6.2. I can successfully generate 1st Ac and retrieve tags from it properly but i am asked to include also the result of the 2nd AC in my ICC data before transmission to the issuer.

How can i generate the 2nd AC and include it in my field 55?

Answer 1

There looks to be some misunderstanding in what you need. can you explain the complete context. Below is how you deal in ideal environment. In first generate AC

1. if you get ARQC you send it online to issuer.
2. If you receive TC you approve the transaction offline.
3. If it is AAC you decline offline.

Now assume you get ARQC and you are not able to go online, you check default action codes and if allowed you request for TC in second generate. If you get TC your transaction is approved offline, else you get AAC and transaction is declined!!!

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---------------------05-Dec-2016-----------------------

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Ok then i guess this is what you are looking for. CVR Byte 1 Bit 8 will tell whether second generate AC was requested or not. In an online transaction(after 1st Gen AC) this will be 1.Can you check what is it that you are sending now ?. Check the image for more information.

Now you may not need action codes but fyi, you have three types of action codes. denial (to decline the transaction offline), online( to send transactions to issuer), default( to decide on how to proceed when online was opted but unable to. There are two sets of action codes - Terminal( which is used in terminal action analysis) and issuer( which is used by card action analysis). download emv books here to read more.

Btw, are you doing M-TIP ?

Answer 2

Thanks a lot for your answer which is very helpful to me.

I was trying to figure out the meaning of "Issuer Application Data indicated Decline", which contains multiple tags, including Card Verification Results, the value of it is "03 80 00 00, Byte 2, bits 6-5 is 00b. Meaning AAC is returned for a decline.

I am running one Visa MSD test, it's Pass Criteria is as follows: * The reader shall indicate to the cardholder to present the card, perform the transaction, and indicate that the transaction has been declined..

However, the transaction goes online and transaction approved.

To summarize, when configured for MSD only & CVN 17 (ie TTQ = '80 80 00 00') and the card declines the transaction with Issuer Application Data (tag '9F 10' byte 5 = '80') the reader sends the transaction online.

How am I gonna meet the pass criteria then? Thanks.