Which EMV functionality does the card support?.Now the terminal needs to determine two things: The TSI is a 2-byte bit array that records when a particular step or process has been executed.
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The PDOL is a list of data elements that the card needs to receive from the terminal in order to execute the next command in the transaction process.ĭuring this step the terminal sets the Transaction Status Information (TSI) and Terminal Verification Results (TVR) bit arrays to all zeros. Once an application is selected the card will respond with a Processing options Data Object List (PDOL). During the first step the card is powered up and an application is selected. Depending on how the transaction progresses, some bits will be set to 1.ĭuring the conversation between the card and the terminal, the terminal will check off certain items on its TVR checklist in to make sure it doesn’t do something stupid like accept a fraudulent payment.Īt the same time the terminal will check off items on its TSI checklist to keep track of where the transaction is in the process.Īn EMV card may contain multiple (payment) applications. And the other one is called the “Transaction Status Information” or TSI.īoth of these checklists start as arrays of bits set to 0. One is called the “Terminal Verification Results” or TVR. The best way to understand EMV is to think of a transaction as a conversation between the card and the terminal.
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