Response Message Template Format 1

What it is

Response Message Template Format 1 answers GET PROCESSING OPTIONS or GENERATE ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). as a fixed, tag-less concatenation of values. For GPOGet Processing OptionsThe EMV command that starts a transaction; the card responds with the AIP and the records to read.View in glossary → the terminal knows the layout is AIPApplication Interchange ProfileEMV tag 82 — a bitmap of the functions the card supports (SDA/DDA/CDA, cardholder verification, and more).View in glossary → (82) followed by the AFL (94); for GENERATE ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). it is CID, ATCApplication Transaction CounterA counter the card increments on every transaction, used to detect replay and cloning.View in glossary →, Application Cryptogram and optional IADIssuer Application DataEMV tag 9F10 — issuer-specific data the card returns alongside the cryptogram.View in glossary →. The terminal must split it by known field lengths.

Where it appears

Returned by the card in the GPOGet Processing OptionsThe EMV command that starts a transaction; the card responds with the AIP and the records to read.View in glossary → or GENERATE ACApplication CryptogramA cryptogram the card generates to approve or decline a transaction: TC (approve offline), ARQC (go online), or AAC (decline). response.

Specification reference

Defined in: EMV 4.x Book 3 (Application Specification), Annex A — Data Element Dictionary

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