Terminal verification results

Terminal verification results (TVR) is an EMV data object. The TVR is a series of bits set by the terminal reading an EMV card, based on logical tests (for example has the card expired). This data object is used in the terminal's decision whether to accept, decline or go on-line for a payment transaction. The format of the TVR is as follows:[1]

Byte 1
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1 Offline data processing was not performed
1 SDA failed
1 ICC data missing
1 Card number appears on hotlist
1 DDA failed
1 CDA failed
1 RFU (Now SDA was selected)
0RFU
Byte 2
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1 Card and terminal have different application versions
1 Expired application
1 Application not yet effective
1 Requested service not allowed for card product
1 New card
0 RFU
0 RFU
0RFU
Byte 3
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1 Cardholder verification was not successful
1 Unrecognised CVM
1 PIN try limit exceeded
1 PIN entry required, but no PIN pad present or not working
1 PIN entry required, PIN pad present, but PIN was not entered
1 On-line PIN entered
0 RFU
0RFU
Byte 4
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1 Transaction exceeds floor limit
1 Lower consecutive offline limit exceeded
1 Upper consecutive offline limit exceeded
1 Transaction selected randomly of on-line processing
1 Merchant forced transaction on-line
0 RFU
0 RFU
0RFU
Byte 5
b8 b7 b6 b5 b4 b3 b2 b1 Meaning
1 Default TDOL Used
1 Issuer authentication failed
1 Script processing failed before final Generate AC
1 Script processing failed after final Generate AC
0 RFU
0 RFU
0 RFU
0RFU

References

  1. ↑ EMV Integrated Circuit Card Specifications for Payment Systems - Book 3: Application Specification. EMVCo. 2011. p. 165.
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