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ISO/IEC 7816-5 application identifier (AID) structure

Online & Authorization

What Is ISO/IEC 7816-5?

ISO/IEC 7816-5 defines how to use an application identifier to determine whether an application is present on a card and/or to retrieve the application on the card.

Credit card being inserted into a merchant POS terminal

Credit Card

What Is the Transaction Life Cycle in the Card World?

As credit cards become more and more a part of our lives, we now make almost all our purchases without cash. We inserted our card into the merchant's POS. We made a 100 TRY sale transaction. We received a receipt confirming it was successful.

POS terminal used for a card payment transaction

Merchant & POS

What Is a Timeout in Payment Systems?

In the world of payment systems, both the issuer (the cardholder's bank) and the acquirer (the POS/ATM bank) must follow certain rules for card transactions made through a POS terminal or an ATM. Responding to transactions within a certain time is one of these rules.

Illustration of a multicurrency POS terminal supporting multiple foreign currencies

Merchant & POS

What Is a MultiCurrency POS?

Multicurrency POS refers to POS devices that can process transactions in foreign currencies (USD, EUR, GBP, etc.) in addition to Turkish Lira. Merchants using a MultiCurrency POS can process transactions in different currencies for international cardholders.

Illustration of a smartphone used as a mobile POS payment terminal

Merchant & POS

Are POS Terminals Becoming Obsolete?

Today, as credit cards shift from physical to virtual use, a similar move has come from the POS side. We have begun to see mobile phones used as POS devices becoming a serious rival to physical POS terminals.

Issuer Script Results field values shown on a POS terminal screen

Credit Card

Issuer Script Results

Issuer Script Results is the field that shows the results of the Issuer Script commands sent to the card. This post explains its byte and bit values, what an issuer script is, why the results matter, and what happens when a command fails.

Diagram of the EMV Card Block command process

EMV

What is the Card Block command?

The Card Block command is used after card issuance to deactivate all applications within the ICC, including applications that could be selected indirectly. The components of the command are explained below.

Diagram of the components that make up an HCE transaction token

HCE

What components make up an HCE Token (Transaction Token)?

The token used in HCE transactions contains more than just a new number derived from the card number. It also includes single-use keys, an expiration date, RSA keys and certificates, transaction limits, and an Application Transaction Counter (ATC).

Close-up of a bank card's chip failing to be read by a POS terminal

Credit Card

What should I do if my card's chip isn't reading?

If your card's chip won't read, the chip data is likely corrupted or the POS's chip reader is faulty. This is usually caused by magnetic interaction with another card's chip.

Diagram illustrating the structure of an ISO 8583 message field

ISO 8583

ISO 8583 Field Descriptions (F41)

F41 - CARD ACCEPTOR TERMINAL IDENTIFICATION: the terminal where a transaction took place. An 8-character alphanumeric value generated by the acquirer bank and assigned to the POS, managed as a unique terminal number at the acquirer.

Payment terminal screen displaying the Application Label of a card

Credit Card

What Is Application Label?

A mandatory alphanumeric field, 1-16 characters, sent in tag 50 of EMV transactions, representing a name related to the card application's AID in the ADF.