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Unable to read PAN from debit card using EMV non-contact (Interac Flash)

Attempted to read a debit card number using the standard EMV protocol on a board that supports NFC Interac Flash.

Here is my transaction sequence:

Request1: 00A404000E325041592E5359532E444446303100 (select 2PAY.SYS.DDF01 to get the PSE directory)

Response1: 6F2C840E325041592E5359532E4444463031A51ABF0C1761154F07A00000027710105007496E74657261638701019000 (AID A0000002771010 found, Interac)

Request2: 00A4040007A000000277101000 (select AID A0000002771010)

Response2: 6F348407A0000002771010A5295007496E74657261638701015F2D02656E9F38159F59039F5A019F02069F1A025F2A029F37049F58016285 (selected by AID, answer includes PDOL, see image below.

http://i.stack.imgur.com/c9FjM.png

Request3: 80A800001583130000990000000000000001240124000001230000 ( , )

Response3: 6985 ( , .)

6985; 2 .

// (Interac)? - TD Interac Flash.

!

--- . Visa MasterCard GET PROCESSING OPTION. 6985 , , . GPO, . ---

+4
2

" / Interac Direct Payment" 1.4 , SW1 SW2 = 6985, (ATC) :

3.2.6 " "

... ATC ( "FFFF" ), - SW1SW2 = 69 85.

, , GET PROCESSING OPTIONS (GPO) - PDOL. , GPO, Interac Flash:

TAG  LEN MEANING                                YOUR SAMPLE    VALID SAMPLE
9F59 03  Terminal Transaction Information       000099         C08000
9F5A 01  Terminal transaction Type              00             00               
9F02 06  amount, authorised                     000000000000   000000001000
9F1A 02  Terminal country code                  0124           0124
5F2A 02  Transaction currency code              0124           0124
9F37 04  Unpredictable number                   00000123       823DDE7A 
9F58 01  Merchant Type Indicator                00             01

, :

  • . .
  • : 0 $.
  • ( 01 05)

, , , GPO, PAN READ RECORD.

, .

InteracFlash, GPO. PCD , /, PICC InteracFlash:

PCD     Select File
PCD         CLA: 00
PCD         INS: A4
PCD         P1: 04
PCD         P2: 00
PCD         Lc: 0E
PCD         Data: 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31
PCD         Le: 00
PICC    Successful
PICC        Data (46 bytes)
PICC            Tag 6F:FCI Template
PICC            Length:2C
PICC            Value :84 0E 32 50 41 59 2E 53 59 53 2E 44 44 46 30 31 
        A5 1A BF 0C 17 61 15 4F 07 A0 00 00 02 77 10 10 
        87 01 01 50 07 49 4E 54 45 52 41 43
PICC                Tag 84:Dedicated File (DF) Name
PICC                Length:0E
PICC                Value :32 50 41 59 2E 53 59 53 2E 44 44 46 30 31
PICC                Tag A5:FCI Proprietary Template
PICC                Length:1A
PICC                Value :BF 0C 17 61 15 4F 07 A0 00 00 02 77 10 10 87 01 
        01 50 07 49 4E 54 45 52 41 43
PICC                    Tag BF0C:FCI Discretionary Data
PICC                    Length:17
PICC                    Value :61 15 4F 07 A0 00 00 02 77 10 10 87 01 01 50 07 
        49 4E 54 45 52 41 43
PICC                        Tag 61:Application Template
PICC                        Length:15
PICC                        Value :4F 07 A0 00 00 02 77 10 10 87 01 01 50 07 49 4E 
        54 45 52 41 43
PICC                            Tag 4F:Application Identifier
PICC                            Length:07
PICC                            Value :A0 00 00 02 77 10 10
PICC                            Tag 87:Application Priority Indicator
PICC                            Length:01
PICC                            Value :01
PICC                            Tag 50:Application Label
PICC                            Length:07
PICC                            Value :49 4E 54 45 52 41 43
PICC                            ASCII Value:INTERAC
PICC            SW1 SW2: 90 00
PCD     Select File
PCD         CLA: 00
PCD         INS: A4
PCD         P1: 04
PCD         P2: 00
PCD         Lc: 07
PCD         Data: A0 00 00 02 77 10 10
PCD         Le: 00
PICC    Successful
PICC        Data (62 bytes)
PICC            Tag 6F:FCI Template
PICC            Length:3C
PICC            Value :84 07 A0 00 00 02 77 10 10 A5 31 50 07 49 4E 54 
        45 52 41 43 87 01 01 9F 38 15 9F 59 03 9F 5A 01 
        9F 02 06 9F 1A 02 5F 2A 02 9F 37 04 9F 58 01 5F 
        2D 02 65 6E BF 0C 05 9F 4D 02 0B 14
PICC                Tag 84:Dedicated File (DF) Name
PICC                Length:07
PICC                Value :A0 00 00 02 77 10 10
PICC                Tag A5:FCI Proprietary Template
PICC                Length:31
PICC                Value :50 07 49 4E 54 45 52 41 43 87 01 01 9F 38 15 9F 
        59 03 9F 5A 01 9F 02 06 9F 1A 02 5F 2A 02 9F 37 
        04 9F 58 01 5F 2D 02 65 6E BF 0C 05 9F 4D 02 0B 
        14
PICC                    Tag 50:Application Label
PICC                    Length:07
PICC                    Value :49 4E 54 45 52 41 43
PICC                    ASCII Value:INTERAC
PICC                    Tag 87:Application Priority Indicator
PICC                    Length:01
PICC                    Value :01
PICC                    Tag 9F38:Processing Options Data Object List (PDOL)
PICC                    Length:15
PICC                    Value :9F 59 03 9F 5A 01 9F 02 06 9F 1A 02 5F 2A 02 9F 
        37 04 9F 58 01
PICC                        Tag 9F59:Terminal Transaction Information
PICC                        Length:03
PICC                        Tag 9F5A:Terminal transaction Type
PICC                        Length:01
PICC                        Tag 9F02:Amount, Authorized (Numeric)
PICC                        Length:06
PICC                        Tag 9F1A:Terminal Country Code
PICC                        Length:02
PICC                        Tag 5F2A:Transaction Currency Code
PICC                        Length:02
PICC                        Tag 9F37:Unpredictable Number
PICC                        Length:04
PICC                        Tag 9F58:Merchant Type Indicator
PICC                        Length:01
PICC                    Tag 5F2D:Language Preference
PICC                    Length:02
PICC                    Value :65 6E
PICC                    ASCII Value:en
PICC                    Tag BF0C:FCI Discretionary Data
PICC                    Length:05
PICC                    Value :9F 4D 02 0B 14
PICC                        Tag 9F4D:Log Entry
PICC                        Length:02
PICC                        Value :0B 14
PICC            SW1 SW2: 90 00
PCD     Get Processing Options
PCD         CLA: 80
PCD         INS: A8
PCD         P1: 00
PCD         P2: 00
PCD         Lc: 15
PCD         Data: 83 13 C0 80 00 00 00 00 00 00 10 00 01 24 01 24 
        82 3D DE 7A 01
PCD         Le: 00
PICC    Successful
PICC        Data (23 bytes)
PICC            Tag 77:Response Message Template Format 2
PICC            Length:15
PICC            Value :82 02 18 00 94 08 08 01 01 00 10 01 02 00 9F 63 
        04 00 10 00 00
PICC                Tag 82:Application Interchange Profile
PICC                Length:02
PICC                Value :18 00
PICC                Tag 94:Application File Locator (AFL)
PICC                Length:08
PICC                Value :08 01 01 00 10 01 02 00
PICC                Tag 9F63:Card Transaction Information
PICC                Length:04
PICC                Value :00 10 00 00
PICC            SW1 SW2: 90 00
...
+6

GPO READ RECORD.

Request1: 00A404000E325041592E5359532E444446303100
Response1: 6F2C840E325041592E5359532E4444463031A51ABF0C1761154F07A00000027710105007496E74657261638701019000

Request2: 00A4040007A000000277101000  (SELECT)
Response2: 6F348407A0000002771010A5295007496E74657261638701015F2D02656E9F38159F59039F5A019F02069F1A025F2A029F37049F58019000

Request3: 80A80000158313C080000000000000100001240124823DDE7A0100 (GPO)
Response3: 7711820218009404100102009F6304001000009000

Request4: 00B2011400 (READ RECORD)
Response4: 70615A08XXXXXXXXXXXXXXXXX5F3401015F24031711308E0C0000000000000000010302038C159F02069F03069F1A0295055F2A029A039C019F37048D09910A8A0295059F37049F0D05FCF8FCF8F09F0E0500100000009F0F05FCF8FCF8F09F070229009000

. PDOL, EMV- , , READ RECORD, 2, . ( 1)

+3

Source: https://habr.com/ru/post/1532072/

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