An EMV Issuer Script is a system that allows the issuer (the institution that issues the card) to update and change the parameters and values on the card chip while the card remains in use.
The EMV application can be updated to change parameters that improve the risk functions of the application on the chip, reducing and preventing fraud attempts as they evolve over the card's lifetime.
Equivalent changes can be used to adapt the card to the cardholder's needs while it is being used in real life.
For example, by increasing the LCOL (Lower Consecutive Offline Limit) and/or UCOL (Upper Consecutive Offline Limit) values, a cardholder who regularly uses the card in an area where most terminals operate offline can be allowed to use it offline more often without being forced online.
EMV can support around 16 scripts that allow the following operations:
- Updating most of the card parameters set during the card personalization stage
- Blocking and deactivating the application
- Blocking the card
- Resetting the PIN try counter
- Changing the offline PIN on the chip
