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EMV Contactless Kernels — Hierarchy & Dependencies

How EMVCo's contactless specification fans out into seven scheme kernels and the unified Kernel 8: the structural dependency tree, what happens during a tap, and how the scheme kernels converge into C-8.

Kernel-to-scheme mapping

Book B (Entry Point) reads the card's AID and activates exactly one Book C kernel. Each kernel below links to its full guide.

KernelBookSchemeProductStatus
Kernel 2C-2MastercardPayPass / M-ChipActiveGuide →
Kernel 3C-3VisapayWave / qVSDCActiveGuide →
Kernel 4C-4American ExpressExpressPayActiveGuide →
Kernel 5C-5JCBJ/SpeedyActiveGuide →
Kernel 6C-6DiscoverD-PASActiveGuide →
Kernel 7C-7UnionPayQuickPassActiveGuide →
Kernel 8C-8EMVCo (common)Unified kernel v1.1EmergingGuide →

Kernel 1 (C-1) is retired — removed in Book A v2.7; its Visa AIDs migrated to C-3 and JCB AIDs to C-5.

Structural dependency

Spec families → Books → kernels → schemes, mapped onto the L1/L2/L3 runtime stack. Solid lines are static composition; the orange path is the Entry Point's runtime, AID-driven dispatch.

EMVCoSpecification owner & certifierEMV ContactBooks 1–4 (ICC)EMV ContactlessBooks A–D(one bundle)Book AArchitecture & reader configBook BEntry Point — kernel dispatcherBook C-2…C-8the kernels (L2)Book DContactless comm protocol (L1)L3 · TERMINAL / ACQUIRER APPLICATIONPayment / acquirer appOutcome, online auth, receiptsBook B — Entry PointPPSE → AID match → activate 1 kernelL2 · BOOK C KERNELS (Entry Point activates exactly one)Kernel 2 · C-2MastercardPayPass / M-ChipCert: Mastercard test planKernel 3 · C-3VisapayWave / qVSDCCert: Visa · absorbed C-1 Visa AIDsKernel 4 · C-4American ExpressExpressPayCert: Amex test planKernel 5 · C-5JCBJ/SpeedyCert: JCB · absorbed C-1 JCB AIDsKernel 6 · C-6DiscoverD-PASCert: Discover test planKernel 7 · C-7UnionPayQuickPassCert: UnionPay test planKernel 1 · C-1RetiredRemoved in Book A v2.7AIDs → C-3 (Visa), C-5 (JCB)Kernel 8 · C-8EMVCo unifiedv1.1 (2022) · royalty-freeCert: EMVCo test plan & envC-2…C-7 converge → C-8activates 1 kerneloutcome → appL1 · RF TRANSPORT (Book D)Contactless protocol · ISO/IEC 14443 A/BAnalog RF, framing, anticollision — carries APDUs for every kernelCard / devicepresents AIDcard AIDComposition (static "part-of")Entry Point selection (AID-driven)Convergence → unified C-8

Runtime tap sequence

What happens during a tap: PPSE → candidate AID list → Entry Point match → kernel activation → outcome. Book B drives the dispatch; the activated Book C kernel then runs the exchange.

Card / devicepresents AIDReaderL1 · Book D RFEntry PointBook BKernel C-xL2 · Book CTerminal appL3 · acquirer1 · DISCOVERY (RF + PPSE)Start transaction (amount, currency)RF field on · ISO 14443 activation / anticollisionSELECT PPSE (2PAY.SYS.DDF01)FCI: directory of supported AIDs + kernel IDs + priorities2 · COMBINATION SELECTION (Book B Entry Point — the dispatch)Candidate AID list ↑Entry Point logic (Book B):• intersect card AIDs ∩ terminal-supported AIDs• order by priority → highest → resolve Kernel IDActivate exactly one kernel (Kernel ID → C-x)AID determines the kernel — Visa AID → C-3, Mastercard AID → C-23 · KERNEL PROCESSING (selected Book C kernel runs the tap)GET PROCESSING OPTIONS (PDOL: amount, country, TVR, unpredictable no.)AIP + AFLREAD RECORD(s) — per AFLPAN, track2, certs, CDOL, card risk dataGENERATE AC (+ offline data auth: fast / CDA path varies by kernel)Application Cryptogram (ARQC / TC / AAC) + CIDKernel-specific behaviour (why C-x matters):• CVM selection, offline limits, torn-txn recovery differ per kernel• C-2 (M-Chip) vs C-3 (qVSDC) flows diverge here• C-8 unifies these paths into one kernel→ the layer PayProbe's per-scheme test matrix targetsKernel outcome (Approve offline / Online request / Decline)4 · COMPLETIONIf ARQC → online authorization (issuer host)Issuer response / scripts(optional) 2nd GENERATE AC / issuer script — many contactless flows skipCommandCard responseEntry Point dispatch (AID-driven)

APDU detail is illustrative; exact tags and flow vary by kernel and Books A–D bundle version.

Convergence to Kernel 8

Six scheme kernels run in parallel under one Books A–D bundle, then fold into the unified EMVCo kernel. Verified anchors marked ◆: C-1's retirement and C-8's publication (v1.0 Oct 2022, v1.1 2022/23).

EMV Contactless Specifications — Books A–D (single versioned bundle, 2.x line)C-2 · MastercardPayPass → M-ChipC-3 · VisapayWave / qVSDCC-4 · American ExpressExpressPayC-5 · JCBJ/SpeedyC-6 · DiscoverD-PASC-7 · UnionPayQuickPassC-1 · legacy kernelBook A v2.7 — C-1 removedVisa AIDs → C-3 · JCB AIDs → C-5C-8 · Unified Kernelv1.0 — Oct 2022 ◆ · v1.1 2022/23Royalty-free, licensed from EMVCoFolds C-2…C-7 into one kernelEMVCo-managed test plan + envConvergence target — phased adoption~20072015201820222023→Scheme-kernel origin dates are approximate; ◆ marks verified anchors (C-1 retirement, C-8 publication).◆ Verified anchorConvergence into C-8AID migration (C-1 → C-3 / C-5)

PayProbe note: C-2…C-7 stay live during rollout — test both the scheme kernels and C-8 in parallel.

Per-kernel guides & tools

Live decoders: TTQ Decoder · CTQ Decoder · Kernel 8 Qualifier · EMV TLV Decoder