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EMV Banking Ref: NB/PRP/004
Version: 2.0
21-April-2005
User Interface Design Proposal
Date:
Document Title:
Document Type:
Release:
Abstract:
Document Status:
Originator & Dept:
Contributors:
Internal Distribution:
External Distribution:
Approval Authorities:
EMV Banking: User Interface Design Proposal
User Interface Design Proposal
S70
This document presents a description of the changes to the User
Interface to be developed at the Counter Application for EMV
Banking
This document is presented on a Subject to Contract and
Without Prejudice basis.
APPROVED
Roger Donato, APDU Design
Chris Bailey, Roger Donato, Mike Jenkins, Dave Johns, Ramesh
Kallidai, Steve Lewin, Peter Lucas, Helen Pharoah
Fujitsu Services Document Management, Reviewers
Bob Booth, Vicky Gray
Name
Position
Signature
Date
Tony Drahota
RASD Director
Post Office Account
Fujitsu Services
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User Interface Design Proposal Version: 2.0
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0.0 Document Control
0.1 Document History
Version No. I Date Reason for Issue Associated
CP/PinICL
0.1 15/09/03 First draft for internal comments
0.2 22/10/04 Second Draft following meeting with PO
0.3 12/11/03 Third Draft following second meeting with PO and
internal review
0.4 21/11/03 Fourth draft for PO comments
1.0 19/02/04 Baselined.
Ll 19/03/04 New draft version. Addition of application selection I CP 3648
from the counter CP 3658
1.2 06/07/2004 New drafi for PO comments
13 14/07/2004 New drafi after 1.2 withdrawn from review.
14 10/09/2004 New draft after 1.3 withdrawn from review
LS 29/03/2005 Version incorporating changes from the changes PC0104918
supplement NB/PRP/00S v1.0. PCO105585
PC0106457
PC0106872
PC0106926
PC0107169
PC0107635
PCO0108087
PC0108091
PC0108093
PC0108094,
PCO0108098
PCO108100
PC0108273
PCO0108311
PC0108350
PCO108611
PC0108773
PC0109084
PC0109176
PC0109177
PC0109178
PCO109180
PC0109182
PC0109337
PC0109482
PCO109509
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User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date:
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PCO109510
PC0109600
PCO109858
PC0109901
PC0109948
PCO110133
PCO110479
PCO110480
PCO110822
PCO110965
PCO110973
PCO110982
PCO111064
PCO112069
PCO114477
2.0 21/04/2005 Baselined
0.2 Review Details
Review Comments by: I Not applicable
Review Comments to :
Mandatory Review Authority
Name
Fujitsu Services
Pete Lucas*
Post Office Ltd Bob Booth* , Vicky Gray*
Optional Review / Issued for Information
SI Design Roger Donato, Chris Bailey, Dave Johns
SI Development
Matt Arris, Trish Morris*
SI Test Julie Havard
ITU Debbie Richardson, Hermia Figueiredo,
Eric Jennings*, Janusz Hollender
Programmes Stephen Probert, Gill Jackson
IPDU Simon Fawkes
Post Office Ltd
Bob Booth* , Vicky Gray*
(*) = Reviewers that returned comments
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2.0
21-April-2005
0.3 Associated Documents
Reference Version I Title Source
AS/DPR/008 Design Proposal for DDA - PIN Entry Device __I Fujitsu
Audio System Services
AS/DPR/009 Design Proposal for EMV, TDES and NBE Fujitsu
Replacement Services
BD/CDE/001 EMV - Banking and Retail - Conceptual Design I Post Office Ltd
CD/CDE/009 Conceptual Design for DDA Beeps Post Office Ltd
NB/PRP/005 I 1.0 EMV Banking User Interface Design Proposal I Fujitsu
— Changes Supplement Services
NB/REQ/003 EMV Retail User Interface Design Proposal Fujitsu
Services
NB/SPE/003 Network Banking Counter Dialogue — Activity I Fujitsu
& Screen Flows Services
NB/SPE/009 Network Banking / Reference Data Rules and _I Post Office Ltd
RDP/TEC/977 Values
Unless a specific version is referred to above, reference should be made to the current
approved versions of the documents.
0.4 Definition of Terms
An ‘*’ following the Term, e.g. “Counter*”, indicates that the definition is taken from the
codified agreement.
Term
Definition
Banking Card
A credit, debit or bankcard (either magnetic stripe or EMV) used for
a Banking Transaction.
Banking Transaction
A Transaction supported in accordance with the Network Banking
Service SRS, which lists the following transactions :
Cash Withdrawal
Withdraw Limit
Cash Deposit
Cheque Deposit
Balance Enquiry
Change PIN
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Button Icon on the Riposte Desktop which can be selected by the user via
the touch-screen or equivalent keyboard function key to invoke a
particular action.
Cancel A transaction that is terminated before a Request message is
generated at the counter is cancelled. Cancel includes:
- Transactions that cannot proceed i.e. require no action from the
Clerk
- Transactions that require the Clerk to cancel them by using a
function on the screen
In all cases no record of the transaction is maintained by the counter
system.
Chip and PIN Authentication and verification of an ICC card using EMV standards
and a PIN. The card is inserted into a PIN pad, the chip on the card
is read by the device, a transaction is executed and is verified by a
PIN entered by the customer
Clerk Any person who serves customers at a Counter Position in a Post
Office.
Client* An organisation on behalf of which Post Office Ltd provides a
service to Customers at Outlets.
Counter* A serving position in a Post Office, where a Customer transacts
business with a Counter Clerk.
Counter Application An application resident within the counter processor that contains
the business logic controlling the dialogue with the Clerk.
Counter Dialogue The dialogue between the Post Office Clerk and the Horizon
platform in the Post Office.
Customer* A person transacting, or seeking to transact business with Post
Office Ltd through any of the supported Services.
Customer Receipt The Receipt handed to the Customer
Customer Verification I Different methods of Customer Verification are possible :
Method e Verification by Signature
e Verification by PIN
© No verification
For EMV Banking the verification method is PIN with on-line
authorisation from the Financial Institutions: except for deposit
transactions which have no verification
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Decline
A transaction is declined when it does not proceed as per the initial
customer request. Decline includes:
- Transactions that cannot proceed because a decline response has
been received at the counter.
- Decline by counter due to timeout, i.e. no response received to
the request
- Decline by PIN pad, irrespective of institutional verdict (by
AAC)
- Decline because PIN pad cannot process request even though
response has been received to request — where Card has been
removed
In all cases a record of the transaction is maintained by the counter
system.
EMV Transaction
A Banking Transaction that uses a Token that has EMV
functionality
First Generate AC
The GENERATE AC is a command executed by the PIN pad which
sends transaction-related data to the ICC, which computes and
returns a cryptogram. The cryptogram determines the subsequent
action to take place by application.
The Horizon application has been implemented so that a normal card
transaction uses two GENERATE AC commands: the first
command follows PIN entry and determines whether the transaction
should cancel at that point, fallback to an alternative verification
method, or proceed by going on line to the financial institution: the
second command takes place after the authorisation response is
received from the financial institution and determines whether the
transaction is approved or declined.
Detailed explanations of these commands appear in EMV Integrated
Circuit Card Specifications for Payment Systems (the published
standard for EMV)
Horizon The service implemented by Fujitsu Services for Post Office Ltd per
the contract awarded in May 1996, and amended in May 1999
following the withdrawal of the DSS.
Mode Environment within the Riposte Desktop where a transaction is
processed.
Office / Outlet
A Post Office or any other location where Post Office Ltd (whether
directly or by means of agents) transacts business with customers.
Off-line
Where a system elects not to communicate with another system —
typically the counter having the rules held locally to enable it to
complete the transaction.
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Off-line Indicator
A mechanism by which the Clerk can detect that an on-line
transaction will not be successful due to network failures prior to
using a chip card, swiping a card or manually entering the card
details.
On-line
Where a system attempts to communicate with another system —
typically the counter seeking authorisation from a Client.
PAN Sequence
Appears where multiple cards have the same PAN: e.g. husband and
Number wife. It is not the same as Issue Number which is only relevant to
certain schemes (E.g. Switch)
Receipt A printed record of the transaction at the office produced for the
customer.
Reference Data*
A set of agreed parameters and relationships controlling the
operation of Post Office Ltd Services.
Response Code
Code returned in the Authorisation message or created by the
Counter if no Authorisation message is returned. It contains the
outcome of the request. These codes and their meanings are defined
in Section 6.
Second Generate AC
See First Generate AC
Serve Customer Mode
Desktop environment for conducting a customer transaction.
Transaction*
A recorded and auditable instance of business activity, involving
service provision or stock movement across organisational or service
boundaries.
0.5 Abbreviations
Abbreviation Definition
[A] Authorisation
AID Application Identifier
AAC Application Authentication Cryptogram. Message type sent by the
PIN pad to the counter which declines the transaction regardless of
whether the financial institution has authorised or declined the
transaction
ACK Acknowledgement. Message type sent by the Counter to the PIN
pad
ARQ Authorisation Request. Message type sent by the PIN pad to the
counter
BI3 Banking Increment 3.
[Cc] Confirmation
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[Co] Null Confirmation
CVM Card Verification Method
EFT Electronic Funds Transfer. Message type sent by the counter to the
PIN pad to launch a new financial transaction: this triggers the PIN
pad to ask for a card to be inserted (unless already present) and to
process that card
EPOSS Electronic Point of Sale Service
EMV Europay Mastercard Visa
FI Financial Institution, e.g. Bank
GenAC Generate Application Cryptogram (see First Generate AC / Second
Generate AC)
ICC Integrated Circuit Card
IIN Issuer Identification Number
KBD Keyboard and Display Request. Message type sent by the PIN pad to
the counter
MSR Magnetic Stripe Reader
NBS. Network Banking Service
PAN Primary Account Number
PIN Personal Identification Number
STA Status. Message type sent by the PIN pad to the counter
TC Transaction Confirmed. Message type sent by the PIN pad to the
counter for successful financial transaction
TDR TLV Response. Message type sent by the PIN pad to the counter
which provides data in response to a TLV message
TLV Tag length variable: data format used by the PIN pad. Also the name
of a message type sent by the counter to the PIN pad asking for
information
VFY Verify. Message type sent by the PIN pad to the counter
0.6 Changes in this Version
Version Changes
0.2 Changes arising from comments from PO
0.3 Changes arising from walk-through with PO and internal design
review
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0.4 © Changes to flow charts and screens as per discussions with PO at
workshop on 14/11/03
e Added Annexe A
* Deleted Section 6
e Added Table for Audio Cues in Section 6.3 (renumbered after
deletion of the original section 6)
e Added Function Key activity table for PIN pad screens
e Deleted the fee charge screen displays from non-financial
transactions (Balance Enquiry and Change PIN) to confirm to
existing NBS counter dialogues.
© Changed the order of the Fee charge screen display. The original
flow had the screen before the Counter passed the online
response to the PIN pad. The screen will now appear after the
PIN pad returns a TC. The revised order interacts with the card
as soon as the response is received; thus minimising potential
card removed too early errors as well as simplifying the
implementation.!
1.0 ¢ Document ownership transferred from Ramesh Kallidai to Roger
Donato
e Section 1.1 — Disclaimer and Copyright statements added
¢ Section 2.3 - Flowchart in Figure 2 Activity Flows for Stage 1
Transaction Start for EMV Banking (Technology Selection)
redrawn as Figure 2 Activity Flows for EMV Banking —
Transaction Start and Figure 3 Activity Flows for EMV Banking
Swipe Card. Changes:
- screen EB1 wording modified
- sereen EB2 removed
- ICC card not allowed as MSR transaction (fallback) unless
card has been rejected in PIN pad or PIN pad is broken
© Section 2.3 - Flowchart in Figure 3 Activity Flows for EMV
Banking — Offline Checks renumbered as Figure 4
¢ Section 2.3 - Flowchart in Figure 4 Activity Flows for Stage 1
Transaction Start for EMV Banking (Application Selection)
renumbered as Figure 5. Changed to include fallback to
magnetic swipe with PIN
© Section 2.3 - Flowchart in Figure 5 Activity Flows for Stage 1
Transaction Start for EMV Banking (Transaction Selection)
" Detailed analysis has shown that the only potential problem with card update before displaying the Fee screen
could have been in Change PIN transactions. However Change PIN does not have a Fee Charge screen.
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e renumbered as Figure 6
© Section 2.4.1 - Flowchart in Figure 6 Activity Flows EMV Cash
Withdrawal renumbered as Figure 7.
© Section 2.4.1 - Flowchart in Figure 7 Activity Flows EMV Cash
Withdrawal (continued) renumbered as Figure 8
e Section 2.4.2 - Flowchart in Figure 8 Activity Flows for EMV
Withdraw Limit renumbered as Figure 9
e Section 2.4.2 - Flowchart in Figure 9 Activity Flows for EMV
Withdraw Limit (continued) renumbered as Figure 10
© Section 2.4.3 - Flowchart in Figure 10 Activity Flows for
EMV/Cheque Deposit renumbered as Figure 11
© Section 2.4.3 - Flowchart in Figure 11 Activity Flows for
EMV/Cheque Deposit (continued) renumbered as Figure 12
© Section 2.4.4 - Flowchart in Figure 12 Activity Flows for EMV
Balance Enquiry renumbered as Figure 13
¢ Section 2.4.4 - Flowchart in Figure 13 Activity Flows for EMV
Balance Enquiry (continued) renumbered as Figure 14
e Section 2.4.5 - Flowchart in Figure 14 Activity Flows for EMV
Change PIN redrawn as Figure 15 Activity Flows for EMV
Banking — Change PIN and Figure 16 Activity Flows for EMV
Banking — Change PIN(2)
e Section 2.4.5 - Flowchart in Figure 15 Activity Flows for EMV
Change PIN (continued) renumbered as Figure 17
© Section 2.4 - Flowchart in Figure 16 Activity Flows for
Customer Cancel and Clerk Cancel renumbered as Figure 18
© Section 2.5.1 - Flowchart in Figure 17 Activity Flows for
Decline renumbered as Figure 19
e Section 3 — Receipt layouts changed
e Section 5.1.1 — counter screen EB] (Proceed as Chip Card)
reworded
© Section 5.1.2 — counter screen EB2 (Only Proceed as Chip Card)
removed
e Section 5.1.3 — counter EB3 (Insert card) reworded
e Section 5.1.6 — Screen EB4 Card cannot be read by PIN pad
added. New screen allows clerk to cancel or to swipe card as
magnetic swipe
e Section 5.2.6 PIN pad screen removed “Too many retries”
e Section 5.2.8 PIN pad screen removed “Return Card to
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assistant”
Section 5.2.12 PIN pad screen removed “Enter PIN”
Section 5.2.13 PIN pad screen Pla added “Confirm and Enter
PIN for Cash Withdrawal”
Section 5.2.14 PIN pad screen P1b added “Confirm and Enter
PIN for Withdraw Limit”
Section 5.2.15 PIN pad screen Plc added “Confirm and Enter
PIN for Balance Enquiry”
Section 5.2.16 PIN pad screen P3 added “Change PIN - Enter
Old PIN”
Section 5.2.17 PIN pad screen P4 added “Change PIN - Enter
New PIN”
Section 5.2.18 PIN pad screen PS added “Change PIN — Re-
enter New PIN”
Section 5.2.19 PIN pad screen P6 added “Change PIN — PIN too
short”
Section 5.2.20 PIN pad screen P7 added “Change PIN — Re-
entered PIN is not the same”
Section 5.2.21 PIN pad screen P8 added “Change PIN —
Cancelled by the clerk”
Section 6.1.1 - message text altered to be consistent with ER1
screen
Section 6.2 — modified to give details of text to appear on screen
7 and screen 10
Section 6.3 — modified to provide more information on the
audio beeps on the PIN pad
Section 7.1 — Existing screens from Network Banking added to
this document
Screen 5: Waiting for Authorisation
Screen 6: Charge Confirmation
Screen 18: Change PIN - Waiting for PIN
Screen 20: Change PIN Error
Section 7.2 — Existing screens from Network Banking added to
this document
Screen E11: No services available
Screen E19: PIN entry error
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© Document changed to support the following
- Application selection from the counter [CP 3658]
- Reminding customer to remove card from PIN pad at
conclusion of transaction [CP 3648]
- Application of comments received from version 1.0
The detailed changes are as follows:
e Section 2.3 — Figure 3 corrected (step 3.10)
e Section 2.3 - Flowchart in Figure 6 — Application Selection
replaced by
- Figure 6 — Insert Card to PIN pad
- Figure 7 — Fallback Processing
- Figure 8 — PIN pad AID selection
- Figure 9 — Counter AID selection
Changes required by [CP 3658]: Counter Clerk Selection of
PinPad Application
¢ Section 2.3 — new Figure 5 — Remove Card added
¢ Section 2.3 — Figure 6 — Transaction Selection renumbered as
Figure 10. To remind clerk to tell customer to remove card from
PIN pad: this change required as result of [CP 3648]
© Section 2.4.1 - Flowchart in Figure 7 Activity Flows EMV Cash
Withdrawal renumbered as Figure 11. Screen EBP12 — Enter
PIN replaced by Screen Pla — Confirm and Enter PIN for Cash
Withdrawal
© Section 2.4.1 - Flowchart in Figure 8 Activity Flows EMV Cash
Withdrawal (continued) renumbered as Figure 12
© Section 2.4.2 - Flowchart in Figure 9 Activity Flows for EMV
Withdraw Limit renumbered as Figure 13. Screen EBP12 —
Enter PIN replaced by Screen P1b — Confirm and Enter PIN for
Withdraw Limit
e Section 2.4.2 - Flowchart in Figure 10 Activity Flows for EMV
Withdraw Limit (continued) renumbered as Figure 14
© Section 2.4.3 - Flowchart in Figure 11 Activity Flows for
EMV/Cheque Deposit renumbered as Figure 15
¢ Section 2.4.3 - Flowchart in Figure 12 Activity Flows for
EMV/Cheque Deposit (continued) renumbered as Figure 15
e Section 2.4.4 - Flowchart in Figure 13 Activity Flows for EMV
Balance Enquiry renumbered as Figure 17. Screen EBP12 —
Enter PIN replaced by Screen Plc — Confirm and Enter PIN for
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e Balance Enquiry
© Section 2.4.4 - Flowchart in Figure 14 Activity Flows for EMV
Balance Enquiry (continued) renumbered as Figure 18
© Section 2.4.5 - Flowchart in Figure 15 Activity Flows for EMV
Change PIN renumbered as Figure 19. Screen EBS replaced by
screen 10
¢ Section 2.4.5 - Flowchart in Figure 16 Activity Flows for EMV
Change PIN renumbered as Figure 20
© Section 2.4.5 - Flowchart in Figure 17 Activity Flows for EMV
Change PIN (continued) renumbered as Figure 21
© Section 2.4 - Flowchart in Figure 18 Activity Flows for
Customer Cancel and Clerk Cancel renumbered as Figure 22
¢ Section 2.5.1 - Flowchart in Figure 19 Activity Flows for
Decline renumbered as Figure 23. Decision box 19.7 corrected
to refer to FI instead of MA
¢ Section 3 — changes to receipt layout
PAN sequence number shown as PAN Seq No
¢ Section 5.1.4 — Button on EB4 screen changed from Continue to
OK
e Section 5.1.5 — screen EBS Change Error removed since this is
already covered by Transaction Failure condition for response
code 20-29 on screen 10 (see section 6.2.3)
e Section 5.1.6 — Screen EB6 Card cannot be read by PIN pad
added. New screen allows clerk to cancel or use card as
magnetic swipe
¢ Sections 5.1.7 and 5.1.8 New screens EB7 and EB8 which
monitor problems being experienced by the customer getting his
card read by the PIN pad
e Section 5.1.9 — Screen EB9 Remove Card — added [CP 3648]
¢ Section 5.1.10 — Screen EB10 Application Selection — added
[CP 3658]
¢ Section 5.2.3 - Application selection screen EBP3 changed to
show illustrative application names
¢ Section 5.2 - following PIN pad screens removed
5.2.4 Screen EBP4: Card Invalid
5.2.8 Screen EBP8: Return Card
e Section 5.2.22 screen EBP13 added for application selection at
the counter: change required by [CP 3658]
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¢ Section 5.2 .23 to 5.2.29 following PIN pad screens added
relating to card insertion
5.2.22 Screen EBP13: Application Selection at the Counter
5.2.23 Screen EBP 14: Remove & Re-insert Card (1)
5.2.24 Screen EBP15: Re-insert Card (1)
5.2.25 Screen EBP16: Remove & Re-insert Card (2)
5.2.26 Screen EBP17: Re-insert Card (2)
5.2.27 Screen EBP18: Remove & Hand Card to Cashier
5.2.28 Screen EBP19: Hand Card to Cashier
5.2.29 Screen EBP20: Cancelled
= Section 6.1.1 - message text altered to be consistent with
screens
1.2 ¢ Section 2.3 — Card insertion timeout operation added. 2.8 and
2.9. New screen EB13 for this.
e Section 2.3 — Notes 3.3 through 3.5 test expanded to include
other parameters.
e Section 2.3 — 4.6 Remove Card process added.
e Section 2.3 — Remove Card — this has been turned into a process
with entry and exit points.
¢ Section 2.3 —- Remove Card — Addition of ACK command to
stop beeping on card removal.
e Section 2.3 — Remove Card — Addition of PP End message
processing.
e Section 2.3 — Insert Card Into PIN pad — addition of Card
Inserted counter screen.
© Section 2.3 — Fallback Processing — addition of card removal
screen with PP beep handling.
e Section 2.3 — PIN pad AID selection - An additional box
inserted to show the counter acknowledgement of the selected
AID. 8.6-8.9 renumbered.
e Section 2.3 — PIN pad AID selection — addition of empty
candidate list processing.
e Section 2.3 — PIN pad AID selection — addition of duff
application removal from candidate list.
e Section 2.3 — PIN pad AID selection — addition of selected
application name PP display.
© Section 2.3 — PIN pad AID selection — addition of action
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. analysis decline processing.
© Section 2.4 — Withdraw — Addition of counter ACK cancel and
Remove Card processing for Clerk Cancel..
© Section 2.4 — Process Withdraw — addition of counter ACK and
remove card processing following TC.
© Section 2.4 —Withdraw Limit - rearrangement of PIN entry
symbols.
© Section 2.4 — Process Limit — addition of counter ACK and
remove card processing following TC.
e Section 2.4 — Deposit — Addition of counter ACK and remove
card processing following clerk abort.
e Section 2.4 — Process Deposit — addition of counter ACK and
remove card processing following TC..
© Section 2.4 — Balance — Addition of counter ACK and remove
card processing following clerk abort.
© Section 2.4 — Process Balance — addition of counter ACK and
remove card processing following TC..
e Section 2.4 — PIN change — re-designation of PIN Entry screen.
© Section 2.4 — Process Change PIN — Addition of counter ACK
and remove card processing following TC. Also Extra logic for
CAPO PIN change.
¢ Section 2.5 — Decline — Change to end of process, End nor
returns to Serve Customer Menu.
e Section 2.3 — Figure 5 has bee changed to include error message
screen EB11.
* Section 5.1 — Prev buttons have been removed from all EB
screens.
e 5.1.2 New screen for PIN Entry.
e 5.1.11 New screen for informing of PIN Pad errors.
e 5.1.12 New screen for invalid cards.
e 5.1.13 New screen to cover time lapse period after card
insertion.
e 5.1.14 New Screen for Action Analysis fail.
e 5.1.15 New Screen for Card Insertion Timeout.
e Section 2.4 — figure 11 — branch added for AAC decline.
e Section 2.4 — figure 13 — branch added for AAC decline.
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© Section 2.4 — figure 15 — branch added for AAC decline.
e Section 2.4 — figure 17 — branch added for AAC decline.
© Section 2.4 — figure 20 — branch added for AAC decline.
e Section 2.3 — figure 8 — AAC decline processing relocated.
e Section 2.4 — figure 19 — Cancel handling remodelled.
e Section 3.1.2 - Changes to Outcome Message Text table.
e Section 3.2.3, 3.4.3 and 3.3.3 Field Definition Tables.
e Section 5.1 — Miscellaneous screen text changes.
e Section 5.2.19 — PIN too short screen removed and replaced
with Deposit PIN entry screen.
e Figure 2 — Card insertion relocated to figure 6a.
e Figure 4— BNK I command moved here.
e Figure 4— Remove Card process removed.
e Figure 5 — Removed and replaced by figures 5a, 5b and Sc.
e Figure Sa — New figure created from figure 5.
e Figure Sb — New figure created from figure 5. This is specific to
card removal after an authorised transaction.
e Figure 5c — New figure created from figure 5.
e Figure 6 — Removed and replaced by figures 6a, 6b and 6c to
illustrate card removal sequence and beeping.
e Figure 6a — New figure created from figure 6.
e Figure 6b — New figure created from figure 6.
e Figure 6c — New figure created from figure 6.
e Figure 7 — screen EBP19 relocated.
e Figure 7— MSR card removal revised.
e Figure 7— End Command Processing added.
e Figure 7 — renumbered.
e Figure 8— STA 9 command added.
e Figure 8 — AAC decline thread added.
e Figure 8 — Remove Card subdivided.
e Figure 8 — renumbered.
e Figure 9 — Screen EBP13 added.
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e Figure 9— KBD command added.
e Figure 9 — Clerk abort thread added.
e Figure 9 — Renumbered.
e Figure 10 — Clerk abort thread added.
e Figure 11 — Clerk abort thread added.
e Figure 11 - TLV/TDR symbols added.
e Figure 11 — Remove Card subdivided.
e Figure 11 — screen EBP9 added.
e Figure 11 — Renumbered.
e Figure 12 - TLV/TDR symbols added.
e Figure 12 — Remove Card subdivided.
e Figure 12 — Cancel by card removal thread added.
e Figure 12 — Renumbered.
e Figure 13 - TLV/TDR symbols added.
e Figure 13 — Remove Card subdivided.
e Figure 13 — Screen EBP9 added.
e Figure 13 — Renumbered.
e Figure 14 - TLV/TDR symbols added.
e Figure 14— Remove Card subdivided.
e Figure 14 — Cancel by card removal thread added.
e Figure 14 — Renumbered.
e Figure 15 — TLV/TDR symbols added.
e Figure 15 — Remove Card subdivided.
e Figure 15 — Screen EBP9 added.
e Figure 15 — Renumbered.
e Figure 15 — PIN entry removed.
e Figure 16 - TLV/TDR symbols added.
e Figure 16 — Remove Card subdivided.
e Figure 16 — Cancel by card removal thread added.
e Figure 16 — Renumbered.
e Figure 17 —- TLV/TDR symbols added.
e Figure 17 — Remove Card subdivided.
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e Figure 17 — Screen EBP9 added.
e Figure 17 — Renumbered.
e Figure 18 - TLV/TDR symbols added.
e Figure 18 — Remove Card subdivided.
e Figure 18 — Cancel by card removal thread added.
e Figure 18 — Renumbered.
e Figure 19 — Remove Card subdivided.
e Figure 19 — Screen EB17 Too many PIN retries added .
e Figure 19 — Renumbered.
e Figure 20 — Remove Card subdivided.
e Figure 20 — Screen EBP9 added.
e Figure 21 - TLV/TDR symbols added.
e Figure 21 — Remove Card subdivided.
e Figure 21 — Cancel by card removal thread added.
e Figure 21 — Renumbered.
e Figure 21 — References to CAPO removed.
e Figure 22 — Clerk abort thread removed and relocated to
individual figures.
« Figure 23 — Declined screens removed as declines occur earlier.
e Figure 23 — Renumbered.
e New Screen EB17 — Too many PIN change reties added.
e New Screen EB18 — Authorised / Remove Card added.
e Welsh texts for receipts added.
1.5 Application of changes from NB/PRP/005 v1.0 EMV Banking: User
Interface Design Proposal — Changes Supplement
© Section 1.2: Comment added to Scope concerning existence of
diagnostic screens (PC0106457)
¢ Section 2.1.5 New section inserted between 2.1.5 and 2.1.6
© Section 2.2.1 Transaction Start: clarification of notes to
Figure 3 (PC0110480)
© Section 2.2.3 End Processing: minor rewording to Figure 5a
© Section 2.2.3 End Processing: Figure Sc modified:
- screen EB11 PIN Pad Error included
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© Section 2.2.4 Card Insertion: Figures 6a, 6b, 6c modified
- position of PIN pad beeps altered on card insertion
(PC0108773)
- flow for counter detected timeout included (PC0112069)
- PIN pad screens EBP7 Cancelled Please Remove Card and
EBP11 Processing Please Wait displayed when Clerk
cancels transaction (PC0107169)
- Card removal timeout shown (PC0106872)
© Section 2.2.5 Fallback Processing: Figure 7 modified to remove
redundant step
© Section 2.2.6 Application Selection: Figure 8 modified:
- Screen EB21 Application Selection inserted after PIN pad
screen EBP3 in the ‘Customer required to confirm’ flow
(PC0109176)
- PIN pad screens /BP22 Application Blocked and EBP23
Card Blocked added (PC0110822)
e Section 2.3.1 Cash Withdrawal: Figure 11 modified:
- Path added to show Fallback to MSR after PIN entry
(PC0108350)
- Screen 5 (EMV) Waiting for Authorisation used
(PC0109180)
- Notes expanded to show that customers can cancel
transaction by removing card from PIN pad too early
- Removal of unnecessary TLV / TDR messages
- Footnote added to indicate that PIN entry screen may be
bypassed for other CVMs (PC0106926, PC0108311)
- Footnote added to indicate that PIN pad screen EBP11
Processing Please Wait can be split over 2 separate screens
(PC0108611)
e Section 2.3.1 Cash Withdrawal: Figure 12 modified:
- Path changed to show failure at 2" GenAC (PC0110133)
- Removal of unnecessary TLV / TDR messages
© Section 2.3.2 Withdraw Limit: Figure 13 modified in a similar
way to Figure 11 (PC0106926, PC0108311, PC0108611,
PC0108350, PCO109180)
e Section 2.3.2 Withdraw Limit: Figure 14 modified in a similar
way to Figure 12 (PC0110133)
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Section 2.3.3 Deposit: Figure 15 modified:
- Path added to show Fallback to MSR after PIN entry
(PC0108350)
- Screen 5 (EMV) Waiting for Authorisation used
(PC0109180)
- Removal of unnecessary TLV / TDR messages
- Footnote added to indicate that PIN pad screen EBP11
Processing Please Wait can be split over 2 separate screens
(PC0108611)
Section 2.3.3 Deposit: Figure 16 modified in a similar way to
Figure 12 (PC0110133)
Section 2.3.4 Balance Enquiry: Figure 17 modified in a similar
way to Figure 11 (PC0106926, PC0108311, PCO108611,
PC0108350, PC0109180)
Section 2.3.4 Balance Enquiry: Figure 18 modified in a similar
way to Figure 12 (PC0110133)
Section 2.3.5 Change PIN: Figure 19 modified:
- Notes expanded to show that customers can cancel
transaction by removing card from PIN pad too early
- Flows altered for retries (PC0109177)
Section 2.3.5 Change PIN: Figure 20 modified:
- Path added to show Fallback to MSR after PIN entry
(PC0108350)
- Screen 5 (EMV) Waiting for Authorisation used
(PC0109180)
- Removal of unnecessary TLV / TDR messages
- Footnote added to indicate that PIN pad screen EBP11
Processing Please Wait can be split over 2 separate screens
(PC0108611)
Section 2.3.5 Change PIN: Figure 21 modified in a similar way
to Figure 12 (PC0110133)
Section 2.4.1 Decline of a Transaction: Figure 23 modified:
- Allow for card retention if requested by Financial Institution
- Counter logic changed where request and authorisation
amounts are unequal (PC0109482)
Section 3 Receipt layouts for Welsh receipts amended to include
“Cod Awdurdod”, “Diweddu”, “Rif Cyf” etc. (PC0110479)
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e Sections 3.2.3, 3.3.3 and 3.4.3 altered for derivation of Issuer
Scheme name (PC0108273)
© Section 4.2 Transaction Result Codes inserted (PC0111064)
© Section 4.3 Transaction Response Codes inserted (PC0111064)
e Section 5.1: Explanatory notes amended for Counter Screens
(PC0109182)
e Section 5.1: Prototype screen shots replaced by screen dumps
from live system
e Section 5.1.3: Message text changed on screen EB3 Card
Insertion (PC0108087)
e Section 5.1.4: Explanatory notes amended for screen EB4
Transaction Cancelled by Customer (PC0114477)
e Section 5.1.6: Message text changed on screen EB6 Card
cannot be read by PIN Pad (PC0109182)
* Section 5.1.7: Message text changed on screen EB7 Jnsert Card
(Second attempt) (PC0108091, PC0109182)
e Section 5.1.8: Message text changed on screen EB8 Jnsert Card
(Third attempt) (PC0108093, PC0109182)
e Section 5.1.9: Message text changed on screen EB9 Remove
Card from PIN Pad (PC0109182)
e Section 5.1.10: Tab heading of left hand panel and help text
changed on screen EB10 Application Selection from Counter
(PC0108094)
e Section 5.1.12: Message text changed on screen EB12 Invalid
Card (PC0109182, PC0109600)
e Section 5.1.13: Message text changed on screen EB13 Card
Inserted — Please Wait (PC0109182)
e Section 5.1.14: Message text changed on screen EB14 Action
Analysis Decline (PC0109182)
© Section 5.1.15: Tab heading of left hand panel changed on
screen EB15 Card Insertion Timeout (PC0109182)
e Section 5.1.16: Tab heading of left hand panel changed on
screen EB16 Cancel - Please Wait (PC0108098)
e Section 5.1.18: Message text changed on screen EB18
Authorised / Remove Card (PC0108100, PC0109182)
© Section 5.1.19: Addition of screen EB19 Change PIN Retry
(PC0109177, PCO109858)
© Section 5.1.20: Addition of screen EB20 Change PIN Last Try
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. (PC0109177)
e Section 5.1.21: Addition of screen EB21 - Application Selection
at PIN Pad (PC0109176, PC0109901)
© Section 5.1.22: Addition of screen 5 (EMV) Waiting for
Authorisation: (PC0109180)
e Section 5.2.5: Footnote added to description of PIN pad screen
EBPS5 Remove Card
e Section 5.2.11: Comment added concerning the conditions under
which PIN Pad Screen EBP11: Processing is displayed
(PC0104918)
e Section 5.2.27: “CASHIER” replaced by “CLERK” in screen
EBP18 (PC0109178)
e Section 5.2.28: “CASHIER” replaced by “CLERK” in screen
EBP19 (PC0109178)
© Section 5.2.30: PIN pad screen EBP21 Processing inserted
(PC0107635)
e Section 5.2.31: PIN pad screen EBP22 Application Blocked
inserted (PCO1 10822)
¢ Section 5.2.32: PIN pad screen EBP23 Card Blocked inserted
(PCO110822)
e Section 6.1.1: MessageDefs
- Revision of message text and object definition for screen
EB3 (PC0108087, PC0110965)
- Revision of message text for screens EB6, EB7, EB8, EB9,
EB12, EB14, EB15, EB18 (PC0108091, PC0108093,
PC0108100, PC0109182, PCO109600)
- Revision of help text for screen EB10 (PC0108094)
- Revision of tab heading and object definition for screen
EB16 (PC0108098, PCO110973)
- Revision to object definition for screens EB4 and EB13
(PC0110982)
- Addition of message definitions for screens EB19 and EB20
(PC0109177, PCO0109858)
- Addition of message definitions for screen EB21
(PC0109176, PCO109901)
- Addition of message definitions for amended left hand panel
of screen 5 (EMV) (PC0109180)
e Section 6.2.3 Decline Messages on Screen 10 modified
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- New response codes 90, 91, 92, 95, 96, 97 added for Agent
reported communication breaks to the Financial Institution
(PC0109337 / PC0109509 / PCO109510)
- Footnote added to indicate that Response code 54 only
applies when the customer is not present (PC0109084,
PC0109948)
© Section 6.3 Audio Cues at PIN pad: footnote added concerning
card insertion (PC0108773)
e Section 7.1.7 Screen 8 Accept Deposit from Network Banking
included (PC0105585)
¢ Section 9.1: Error code 08057 added to Annexe C - PIN Pad
Error Codes and Screen EB11 Clerk Messages (PC0110822)
© Section 10.1: new section added on PIN Pad Timeouts
2.0 Minor typographical corrections
0.7 Changes Expected
Changes
None
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0.8 Table of Contents
1 INTRODUCTION
Privacy and Confidentiality.
Structure of this documen
1.4 Overview of EMV functionality....... ceceesesesesteseseseeeeeeeeeneeeeeee
2 EMV USER INTERFACE.......
Overview Description.
EMV Transaction Stages.
Stage 1
Stage 2.
EMV Banking Screen Flows...
Inclusion of PIN pad Displays in the Screen
Conventions used within the flowcharts...
Stage I
EMV Transaction Start & EMV Token Validation
Card Removal
End Processin;
Card Insertion...
Fallback Processing.
Application Selection
Transaction Selection
EMV Banking Transactions Stage 2 (Customer Verification and Transaction
Cash Withd:
Withdraw Limit.
Cheque/Cash Deposii
Balance Enquiry.
Change PIN.
Cancel of a transaction.
Decline/Failure responses.
2.4.1 Decline of a transaction...
3 RECEIPTS...
EMV Banking Receipts: Generic Layout.
Generic EMV Banking Customer Copy Receipt Layout
Receipt Outcome Messages.....
Balance Type Text.........
Balance Enquiry — Customer Copy.
Purpose.
Frequency....
Layout and Example Content...
Cash/Cheque Deposit or Cash Withdrawal Receipt — Customer Copy.
Purpose.
Frequency
Layout and Example Content.
Change PIN Request
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.131
3.4.3
4 RESPONSE CODES AND THEIR EFFECTS.
Layout and Example Content.
41 Screens.
4.1.1 Fixed screens, no response code based text.
4.1.2 Soft screens, based on response code...
4.2 Transaction Result Codes....
4.3 EMV Specific Response Codes.
5 SCREEN LAYOUTG.......
Counter Screens...
‘ard cannot be read by PIN pad.
Screen EB7: Insert Card (Second attempt).
insert Card (Third attempt).
Screen EB9: Remove Card from PIN pad.
.10 Screen EB10: Application Selection from Counter
el. Screen EB11: PIN Pad Error Screen.
12 Screen EB12: Invalid Card Screen..
Screen EB13: Card Inserted — Please Wait.
14 Screen EB14: Action Analysis Decline Screen..
15 Screen EB15: Card Insertion Timeout.
16 Screen EB16: Cancel - Please Wait
AT Screen EB17: Too Many PIN Retries...
18 Screen EB18: Authorised / Remove Card Screen.
19 Screen EB19: Change PIN Retry...
20 Screen EB20: Change PIN Last Try.
Screen EB21: Application Selection at PIN Pad.
1.22 Screen EB22: Screen 5 (EMV) — Waiting for Authorisation.
PIN Pad Screens...........-+0:e:seeeee+ a
PIN Pad Screen EBP1: Welcome Screen.
PIN Pad Screen EBP2: Please insert card.
PIN Pad Screen EBP3: Select Application
PIN Pad Screen EBP4: Card Invalid.
PIN Pad Screen EBP5: Remove Card.
PIN Pad Screen EBP6: too many retrie:
PIN Pad Screen EBP7: Cancelled........
PIN Pad Screen EBP8: Return Card?...
PIN Pad Screen EBP9: Declined - Remove Care .
PIN Pad Screen EBP10: Approved — Remove Card.
PIN Pad Screen EBP11: Processing.
PIN Pad Screen EBP12: Enter PIN.
PIN Pad Screen Pla: Confirm and Enter PIN for Cash Withdrawal.
PIN Pad Screen P1b: Confirm and Enter PIN for Withdraw Limi
PIN Pad Screen Plc: Confirm and Enter PIN for Balance Enquii
PIN Pad Screen P3: Change PIN - Enter Old PIN
PIN Pad Screen P4: Change PIN - Enter New PI
PIN Pad Screen P5: Change PIN — Re-enter New PIN
PIN Pad Screen Pld: Confirm and Enter PIN for Deposit.
PIN Pad Screen P7: Change PIN - New PINs Different...
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PIN Pad Screen P8: Change PIN - Cancelled by Clerk...
PIN Pad Screen EBP13: Application Selection at Counter. 170
PIN Pad Screen EBP14: Remove & Re-insert Card (1
PIN Pad Screen EBP15: Re-insert Card (1
PIN Pad Screen EBP16: Remove & Re-insert
PIN Pad Screen EBP17: Re-insert Card (2)...
PIN Pad Screen EBP18: Remove & Hand Card to Clerk.
PIN Pad Screen EBP19: Hand Card to Clerk.
PIN Pad Screen EBP20: Cancelle¢
PIN Pad Screen EBP21: Processin
PIN Pad Screen EBP22: Application Blocked.
PIN Pad Screen EBP23: Card Blocked.
6 EMV SPECIFIC MESSAGE TEXTS....
6.1 Message Collections...
6.1.1 Collection: MessageDefs.
6.2. Displayed Variable Message Text
6.2.1 Transaction Types.....
6. Decline messages on screen 7..
6.2. Decline messages on screen 1
6.3. Audio Cues at PIN Pad....
6.4 Help Text for data selection and input.
7 ANNEXE A.
7A Counter Screens from NBS used for EMV Banking................ . 188
Screen1: Display available options.
Screen 2: Enter Amount...
Screen 3: Waiting for PIN — PIN Change.
Screen 5: Waiting for Authorisation.
Screen 6: Charge Confirmation.
Screen 7: Other Decline.
Screen 8: Accept Deposit.
Screen 9: Card Retain.
Screen 10: Do not call help des!
Screen 12: Tear off Error Message Instruction.
Screen 14: Printing Receipt......
Screen 18: Change PIN - Waiting for PI
Screen 19: Abandon Message.
Screen 20: Change PIN Errot
7.2. Error Screens from NBS
7.2.1 Screen E4: Invalid Care
7.2.2 Screen E7: System failure.
7.2.3 Screen E8: Contact helpdesk...
7.2.4 Screen E9: Invalid Amount - rang
7.2.5 Screen E10: Invalid Amount - multiples.
7.2.6 Screen E11: No services available...
7.2.7 Screen E19: PIN Entry error...
8 ANNEXE B.........
8.1 PIN Pad Commands.
9 ANNEXE C...
91 PIN Pad Error Codes and Screen EB11 Clerk Messages 206
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10.1 PIN Pad Timeouts 213
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1 ‘Introduction
1.1 Privacy and Confidentiality
1.1.1 Accuracy
Fujitsu Services endeavours to ensure that the information contained in this document is
correct but, whilst every effort is made to ensure the accuracy of such information, it accepts
no liability for any loss (however caused) sustained as a result of any error or omission in the
same.
1.1.2 Copyright
© 2004 Fujitsu Services. All rights reserved. No part of this document may be reproduced,
stored or transmitted in any form without the prior written permission of Fujitsu Services.
1.2 Scope
This document describes the proposal for changes to the User Interface Design for the
Network Banking application resulting from the introduction of EMV cards using Chip and
PIN authentication and verification at the Post Office counter (at BI3 S70). The NBS counter
dialogues (prior to the introduction of EMV cards) are described in Network Banking:
Counter Dialogue — Activity and Screen Flows (NB/SPE/003). This document describes the
changes to the flow of activities, screen displays and prompts, and receipt layouts at the
counter described in the above document as a result of the introduction of EMV cards. It will
refer back to the above document for the flows, screens and prompts of both magnetic card
swiped operations and manual entry of card details that do not change as a result of the
introduction of EMV.
The Post Office requirements for EMV are incorporated in BD/CDE/001 EMV - Banking and
Retail - Conceptual Design, and the overview response from Fujitsu Services is documented
in AS/DPR/009 - Design Proposal for EMV, TDES and NBE Replacement.
The primary purpose of the flow charts in this document is to define the User Interface, and in
particular, to define the sequence of screens displayed. They are not intended to be definitive
statements of the low-level design of the counter application.
The screens in this document are only for the purpose of understanding the information
content on the screens, and do not constitute a statement of low-level design.
The document describes only the screens seen during typical business transactions, including
error cases that can arise in normal processing. There are, however, additional diagnostic
screens that are not described within this document. These screens are only displayed in
exceptional cases, e.g. software, reference data configuration or exceptional hardware errors.
Such screens are beyond the scope of this document.
1.3 Structure of this document
This document is structured as follows:
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Section 2 provides the list of unique counter dialogues that are supported for EMV cards (BI3
$70) and describes the changes arising as a result of the introduction of EMV. For each
dialogue, there is a top-level flow chart, which references further common sequences as
necessary.
Section 3 provides the revised layout of the Office and Customer receipts at the introduction
of EMV functionality: these revised layouts will apply to both chip and PIN and to magnetic
swipe and PIN.
Section 4 is a table mapping the response codes returned to the counter in the [A] into system
actions with associated Clerk messages, receipt text and outgoing result code within the [C]
message.
Section 5 lists the unique screens that are supported for EMV, and defines the type of data
that appears on each screen.
Section 6 contains details of new messages/receipt text and help text.
Annexe A contains those screens that are not affected by the introduction of EMV Retail and
found originally in Network Banking: Counter Dialogue - Activity & Screen Flows
[NB/SPE/003].
1.4 Overview of EMV functionality
In line with the rest of the payments service industry Post Office Ltd will be migrating to the
acceptance of EMV cards using Chip and PIN authentication for added security and reduction
of fraud. The counter service is therefore being enhanced to support Chip and PIN
authentication and verification. Existing services based on magnetic stripe card will be
continued for as long as there is a client demand.
For EMV transactions, the customer retains control over the card and interacts with the
existing PIN pad and integral smartcard device on the customer side of the counter. The clerk
is able to offer support to the customer, where required, through a series of prompts by the
system to the clerk indicating the sequence of operations to be followed and the current status
of the transaction.
For magnetic stripe based transactions, including EMV cards operating in fallback mode, the
transaction is conducted by the clerk using the magnetic stripe reader on the clerk side of the
counter.
The counter provides receipt-printing capability using industry standard counter printer
devices.
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2 EMV User Interface
The transaction flows in this section show the points at which counter screens are displayed to
the Clerk and PIN pad screens displayed to the customer. These screens are used to inform
and prompt both Clerk and customer at appropriate steps in the process of each transaction.
The flow charts support the following financial transactions:
Cash Withdrawal
Withdraw Limit
Vv
Vv
Balance Enquiry
vVwv
Deposit
> Change PIN
2.1 Overview Description
21.1 EMV Transaction Stages
EMV Transactions have two main stages:
1. Transaction Start & Token Validation
2. Transaction Service, Customer Verification, Receipt Printing and Transaction Completion
2.1.2 Stage 1
The normal start point for an EMV transaction is where the Clerk selects Banking from a new
menu button from the Serve Customer Menu while the customer inserts the card in the PIN
pad.
However, if the card is swiped instead, and the service code in the Track 2 data indicates that
the card has an ICC, then the system will prompt the clerk that the card should be used in the
PIN pad instead.
If the EMV card cannot be read, the customer will be asked to retry as it may have been
inserted incorrectly. If it still fails then the clerk may fall back to swipe the card on the
magnetic stripe reader’.
The description of data capture through magnetic stripe and manual PAN entry are the same
as described in Network Banking: Counter Dialogue — Activity and Screen Flows
NB/SPE/003.
2.1.3 Stage 2
The activity and screen flows in this stage show the customer verification and transaction
service for EMV Cards as well as changes appropriate for EMV fallback to MSR.
? Network Banking / Reference Data Rules and Values [NB/SPE/009] will be updated to include two new
permitted methods of entry for “PIN pad read” and. “Mag swipe fallback for ICC card.”
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2.1.4 EMV Banking Screen Flows
The numbering convention for screens in this document is as follows:
Screenx: NBS screen from NB/SPE/003 that is not affected by introduction of EMV
Ex: Error message screen from NB/SPE/003 that is not affected by introduction of EMV
Px: PIN pad screen from NB/SPE/003 that is not affected by introduction of EMV
EBx: A new EMV Banking Counter screen or a screen from NB/SPE/003 that is affected by
EMV
EBPx: A PIN pad screen added/affected as a result of EMV
Where ‘x’ is an unique identifier for each screen type
2.1.5 Inclusion of PIN pad Displays in the Screen Flows
The flowcharts within this document only contain references to the primary PIN Pad screens
that are displayed to the customer during the EMV transaction flows. There are further
additional points within the flows where the PIN pad may display additional information
screens, such as EBP11 Processing Please Wait (see 5.2.11) which is displayed whilst the PIN
pad is busy or waiting for a response from the Counter software. It is not within the scope of
these flow charts to document every potential sequence where the PIN Pad can display one of
these screens.
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2.1.6 Conventions used within the flowcharts
The flowcharts within this document use the conventions described below.
PIN pad
Activity
Description
‘Terminator
Indicates the start or completion of a process flow
Parallel Mode
Represents the synchronisation of two or more parallel
operations
Off page Connector
Represents an entry to or exit from one part of the flowchart
to another on a different page.
On page Connector
Represents an entry to or exit from one part of the flowchart
to another on the same page. A single letter denotes the
corresponding end of the connecting flow
Process
Represents a processing function
Decision
Represents a decision or switching function in a flowchart.
This may represent either a system or manual decision.
Display
Represents displayed data such as data display panels and,
prompts on a monitor screen
Manual Operation
Represents an operation performed by any person in a
flowchart
Document
Represents readable data such as printed output. Where itis a
print the standard options around print failure come into play
and as a last resort, print preview will be used to allow a
‘manual transcription of the print
Manual Input
Represents manually input data,
Parallel Screens
A counter screen followed by a PIN pad screen usually
indicates a parallel screen.
Figure 1: Flow chart conventions used in this document
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2.2 Stage 1
2.2.1 EMV Transaction Start & EMV Token Validation
Pre conditions
1. The system must be in the Serve Customer mode. There cannot be any other transaction in
progress?
2. The Token has an Integrated Circuit Chip meeting EMV standards
Post conditions
1. Transaction progresses to Stage 2, or
2. Transaction cancelled.
Description
The system validates the EMV token that is placed on the integrated smartcard reader on the
PIN pad by the customer and progresses to Stage 2. If the ICC card is not read, the clerk may
opt to try the card using the MSR.
Note: Swap session will not be permitted after the Clerk selects the ICC button.
5 The current customer session may be a swapped session.
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Start
2.6
Clerk declines
transaction
( End )
Figure 2: Activity Flows for EMV Banking — Transaction Start
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Notes for Figure 2
21 Clerk navigates to Serve Customer menu.
2.2 Clerk checks off-line indicator.
2.3 If the on-line indicator shows that system is not connected to the data centre and
processing continues from 2.6.
2.4 Ifthe customer hands his card over to the clerk processing continues from Figure 3:
Swipe Card.
2.5 Otherwise, clerk selects the ICC Banking button.
2.6 The clerk declines to perform the transaction as there is no online authorisation
capability.
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33
Derive IIN &
ook up ref data
Card does not need to
go through PIN pad
unless service code is
defined in reference
data and the value on
the card begins with 2
or
Failures are logged in
step 7.7
Figure 3: Activity Flows for EMV Banking — Swipe Card
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Notes for Figure 3
3.1
3.2
3.3
3.4
3.6
3.7
3.8
3.9
The clerk does a visual check of the card to ensure that the card is not an ICC card.
The clerk swipes the card in the magnetic stripe reader.
Counter derives the IIN from the magnetic stripe and using reference data determines
the Service Code from the Track 2 data.
If the Service Code begins with 2 or 6 then the card is an ICC card and processing
continues from 3.5.
Otherwise, the processing continues as for existing Network Banking processing as
defined in NB/SPE/003 Network Banking Counter Dialogues — Activity & Screen
Flows. Method of Entry will be recorded as 2 in this case (Non ICC Magnetic Stripe
Read).
If the IN is supported and a control product is present for that banking scheme and
ICC banking operations exist for that scheme processing continues from 3.6.
Otherwise, processing continues as for existing Network Banking processing as
defined in NB/SPE/003 Network Banking: Counter Dialogues — Activity & Screen
Flows. Method of Entry will be recorded as 3 in this case (Integrated chip card in
magnetic stripe fallback mode).
If the PIN pad has previously failed to read the card during the same transaction then
again the system will allow it to be treated as a magnetic stripe card: Method of Entry I
will be recorded as 3 in this case: (Integrated chip card in magnetic stripe fallback
mode. This could be caused by chip damage or because the customer has not been
able to insert the card correctly in the PIN pad).
Note: if the PIN pad has failed to read the card then the system will allow it to be
treated as a MSR card. If the clerk goes on to swipe a card then if the SVC is 2 or 6
the Method of Entry will be 3. However, if the SVC of the card which is swiped is not
2 or 6 then the Method of Entry will be 2.
The counter displays screen EB1 Proceed as Chip Card (see 5.1.1). This screen has 2
buttons: one allows the transaction to proceed as an ICC transaction: the other allows
the clerk to cancel.
If the clerk presses the Cancel button then the counter returns to the Serve Customer
Menu.
If the clerk selects Continue on the EB1 screen then an offline check will be made.
Pressing the Continue button on this screen has the same effect as if the ICC Banking
button on the Serve Customer Menu had been pressed.
The card is returned to the customer to insert in the PIN pad.
Processing continues from Figure 4: Off-Line Check.
{Transactions which are successfully processed by the PIN pad will be recorded with
Method of Entry set to 4 (Integrated chip card in chip read mode)}.
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Offline
‘hes
a6
‘Counter Sends
BNK 1 command t
The PIN pad
Insert
card 1
Figure 4: Activity Flows for EMV Banking — Offline Checks
Notes for Figure 4
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41 System checks whether it is still on line to the data centre.
If the system is off line, processing continues from 4.2.
Otherwise, processing goes to Figure 6a: /nsert Card (1).
4.2 The system is off-line so the counter displays screen E7 System Failure (see 7.2.2) or
screen E8 Contact Helpdesk (see 7.2.3), as appropriate. Both screens have options to
continue or to print an error report.
43 If the user continues without an error report processing continues from 4.5.
4.4 Ifthe user selects the print option then an error report is printed.
4.5 The counter displays screen 12 Tear off Error Message Instruction (see 7.1.10).
The clerk acknowledges the instruction. The counter returns to the Serve Customer
Menu.
4.6 The counter sends a BNK I type command to the PIN pad. This starts the PIN Pad
banking transaction.
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2.2.2
Card Removal
¢ Sal
Remove Card ,
! 5: '
1 PINpad beeps
\
Lies eer)
1 PIN sends an
STA 7 command
V pin pad waits
for 15 seconds
La tiscconds
SAT
Counter sends
ACK message
Lo PIN pad
r-3a-
1 PIN pad sends I 4 PIN pad sends
[STAD command 1) STA 6 command #
“ 1 tothe sounter 1
ran = 5
t
Vo piNpad 4
1
One of the PIN pad +
screens EBPS, EBP7, I
EBP9 or EBPI8.
Figure 5a: Activity Flows for EMV Banking — Remove Card
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Notes for Figure 5a
Sa.1_ A remove card screen will be displayed on the PIN Pad. This may be any one of the
screens EBP5, EBP7, EBP9 or EBP18 depending on the outcome of previous PIN Pad
processing.
5a.2 The PIN pad beeps for a configurable period (15 seconds) to remind the customer to
remove their card.
5a.3 The PIN pad sends STA 7 command to the counter to inform the counter that the card
is still in the PIN pad.
5a.4_ The counter displays screen EB9 Ask customer to remove card (see 5.1.9).
The screen has an acknowledge button which the clerk can use to stop the PIN pad
from beeping and to move the PIN Pad to its next operation.
$a.5__ If the card is removed then processing continues at 5a.9.
5a.6 The clerk touches the OK button on the EB9 screen then processing continues at
5a.10.
5a.7__ The PIN pad waits for a configurable period (15 seconds): (this is a reference data
setting).
5a.8 PIN pad sends STA D command to the counter to tell the counter that the remove
card timeout has expired.
5a.9 PIN pad stops beeping and the process exits.
5a.10 The counter returns an ACK command to the PIN pad. This will stop the beeping and
break the PIN pad out of its card removal loop.
5a.11 PIN pad sends an STA 6 command to the counter to inform the counter that the card
removal loop has been aborted. Processing continues from 5a.9.
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v3.1
¢< EBP10 ’
Remove Card &
5b.2 '
1
1 PINpad beeps 1
EB18 Approved
emove Card,
SB-T0
Counter sends
ACK message
5b.7 1
1 pin pad waits
I. for 15 seconds
Exit
1 stops beeping 1
I_for 15 seconds to PIN pad
ro sk O rosin > 5
1 _PINpadsends Ig PINpad sends
STA D commane STA 6 command
_ ‘oshepouais ‘—‘othecounte,
a
39
1 opiNpad
Figure 5b: Activity Flows for EMV Banking — Approved Remove Card
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Notes for Figure Sb
5b.1 The PIN pad screen EBP10 Approved Remove Card (see 5.2.10) will be displayed on
the PIN Pad.
5b.2_ The PIN pad beeps for a configurable period (15 seconds) to remind the customer to
remove their card.
5b.3_ PIN pad sends STA 7 command to the counter to inform the counter that the card is
still in the PIN pad.
5b.4 Counter displays screen EB18 Authorised / Remove Card (see 5.1.18).
The screen has an acknowledge button which the clerk can use to stop the PIN pad
from beeping and to move the PIN Pad to its next operation.
5b.5 If the card is removed then processing continues at 5b.9.
5b.6 The clerk touches the OK button on the EB18 screen then processing continues at
5b.10.
5b.7 The PIN pad waits for a configurable period (15 seconds): (this is a reference data
setting).
5b.8 PIN pad sends STA D command to the counter to tell the counter that the remove
card timeout has expired.
5b.9 PIN pad stops beeping and the process exits.
5b.10 The counter returns an ACK command to the PIN pad. This will stop the beeping and
break the PIN pad out of its card removal loop.
5b.11 PIN pad sends an STA 6 command to the counter to inform the counter that the card
removal loop has been aborted. Processing continues from 5b.9.
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2.2.3
End Processing
Sel 1
'
1 prypedretms I
TEND to counter
rr a -
7 seen EBD
A Wecone
se
,
Figure 5c: Activity Flows for EMV Banking — End Command Processing
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Notes on Figure 5c
Se.1 The PIN Pad sends an END command to the counter.
5c.2 The PIN Pad displays the welcome screen EBP1 (see 5.2.1).
5c.3_ If the transaction has been approved then the process exits.
5c.4 If the END command does not carry a failure code then the process exits.
5c.5 Ifa declined or a cancelled screen has been shown to the clerk already then the process
exits.
5c.6 The counter sends an EB11 screen (see 5.1.11) describing the reported error. If the
error code is an error then an event will also be logged to the event log.
The EB11 screen will only be displayed if the PIN pad has returned an error code on
the END command and no other cancel or decline screen has been shown.
5c.7 The clerk presses the continue button and the process exits.
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2.2.4
Card Insertion
roan 5
1. PIN pad ends
STAG message I
= so copntcr I
ald
Log card filed for
swipe enablement
t
6a.l5
End Command
Processing
BaTs
Sereen EBIS
Card insertion
Customer
Hands card
4
—
Ne Processing y
7 screen EBPIL. FE
PIN pad sends I
1 STAS masa 1
ai ine 1
ro al
6a21
End Command]
Processing
6a,
Screen EBI6
Cancelled
a
Insert far ~N
card I screen EBPL
Welcome screeny
a>
<Card Present >
Sue
N
CHIT army
Counter sends 7° secon EBP2
ACK cance) ‘Please insert
to PIN pad ocak
Gara N
I_Y screen EBP7
N Cancelled y
a reak--
1 PIN pad sends
STAI message
genet aD
oa
Cancel Counter sends
ACK(cancel)
1oPIN pad
= etre s
6a.18a SPIN pad reads,
7 Screen EBP7 1 . ergy oe
N Cancelled y a
r- =
CORT btm 62.10%
I PIN pad sends
1 STA2 message
—
oe I
‘ard Inserted
co
1 Petes I
Figure 6a: Activity Flows for EMV Banking — Insert Card (1)
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Notes for Figure 6a
6a.1 Prior to the sending of the BNK 1 command, when the PIN pad is idle it will display a
blank screen. This is known as the welcome screen (see 5.2.1).
6a.2_ The PIN pad is triggered into life either by the clerk pushing the ICC button on the
Serve Customer Menu or by pressing Continue on the EB1 screen (see 5.1.1): both of
these actions cause a BNK I message to be sent from the counter to the PIN pad to
launch the transaction.
The PIN pad tests whether a card is present.
If the card is present processing goes to 6a. 10a.
6a.3_ The PIN pad displays screen EBP2 Please insert card (see 5.2.2).
6a.4 Step removed".
6a.5 The PIN pad sends a STA I message to the counter to indicate that the customer’s
card needs to be inserted into the PIN pad.
6a.6 The counter displays screen EB3 Card Insertion (see 5.1.3). This screen has a cancel
button which may be used to abort the transaction. If it is not used then the EB3 screen
remains there until card is inserted into PIN pad or a card insertion timeout occurs.
6a.7 If the clerk presses the cancel button then processing continues to Figure 6a: Cancel.
6a.7a If the counter detects that card insertion has exceeded timeout, processing continues
from 6a.22. (This test was introduced as a workaround for an error on the PIN pad).
6a.8 If card insertion sequence times out then processing continues at Figure 6a: Card
Insertion Timeout.
6a.9 The customer inserts the card into the PIN pad — first attempt
6a.10 Ifthe PIN pad can read the card processing continues from 6a.10a. Otherwise,
processing continues at Figure 6b: /nsert Card (2).
6a.10a The PIN Pad beeps once to indicate that the expected card has been correctly inserted.
6a.11 When a card is inserted into the PIN pad and is read successfully then the PIN pad
sends a STA 2 message to the counter to indicate that the card has been successfully
inserted.
6a.12_ The counter displays screen EB13 Card Inserted (see 5.1.13). Processing continues at
Figure 8: PIN pad AID selection.
6a.13_ The PIN pad sends an STA 6 command to the counter indicating a cancel at the PIN
Pad.
6a.14 A flag is set to show that an attempt to use the card in the chip reader was made. This
is used in Figure 3 to determine if a swipe operation should be allowed.
6a.15 The process Figure Se: End Command Processing is performed.
6a.16 The counter displays the card insertion timeout screen EB15 (see 5.1.15).
* Step 6a.4 PIN pad beeps now moved to 6a.10a.
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6a.17
6a.18
The customer hands the card to the clerk for swiping. Processing continues Figure 3:
Swipe Card.
The counter sends an ACK(cancel) command to the PIN Pad to cancel the transaction.
6a.18a The PIN Pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
6a.18b The PIN Pad displays screen EBP11 Processing Please Wait (see 5.2.11).
6a.19
6a.20
6a.21
6a.22
6a.23
6a.24
The PIN pad sends an STA 6 command to the counter indicating a cancel at the PIN
Pad.
The counter displays screen EB16 Cancel - Please Wait (see 5.1.16).
The process Figure Se: End Command Processing is performed.
The counter returns to the serve customer screen.
The counter displays screen EB16 Cancel - Please Wait (see 5.1.16).
The counter sends an ACK (cancel) message to the PIN pad.
The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 6a.14.
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Insert
rarc
7 Screen EBP14
4 Remove and
es ’
> I 4
1 PIN pad sends
1 STAS message 1
— espns I
60.3
Screen EB7
re
1 PIN pad sends
STA D command
= heroin I
ar
Tos TN
LS screen EBPIS.
Resinsert card y
> Bn 7
1 PIN pad sends
[STAT message
w= to copnter I
Sere: J ___]
Please insert
is
“rd InsertiTh
‘Timeout,
\, Customer
inserts card
are
2B N
SPIN pad reads >
Sage
Y
roche
1 oasa st
1 PIN pad beeps 1
-<-7--!
tan 5
[PIN pad sends
STA 2 message
—_- be Sasi 1
ICancel
od
ountey
tected
Card
insertion
Hageost
Figure 6b: Activity Flows for EMV Banking — Insert Card (2)
Notes for Figure 6b
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6b.1 PIN pad displays screen EBP 14 Remove & Re-insert card (see 5.2.23 - first failure).
PIN pad beeps for a configurable period (15 seconds) or until card is removed or the
transaction aborted.
6b.2_ The PIN pad sends a STA 8 message to the counter to indicate that the card needs to
be removed and re-inserted in the PIN pad with the correct orientation.
6b.3 The counter displays screen EB7 (see 5.1.7) informing the clerk that the customer is
having problems inserting their card with the correct orientation.
6b.4 ‘If the card is removed then processing continues at 6b.8.
6b.5 The PIN Pad waits for a configurable period (15 seconds) before displaying the next
screen and sending an STA D command. During this time it beeps.
6b.6 If the clerk presses the cancel button on the EB7 screen then processing continues at
Figure 6a: Cancel.
6b.7_ The PIN pad sends an STA D command to the counter signalling card removal!
timeout. Processing continues at Figure 7: Card Removal Timeout.
6b.8 PIN pad displays screen EBP15 Re-insert card (see 5.2.24).
6b.9 Step removed*.
6b.10 The PIN pad sends a STA 1 command to the counter to indicate that the card needs to
be inserted in the PIN pad.
6b.11 Counter displays screen EB3 Card Insertion (see 5.1.3).
Steps 6b.10, 6b.11, 6b.12 and 6b13 may not actually occur. If the customer is quick
about re-inserting their card then the PIN pad may not send the STA I message and
the counter will correspondingly not display the EB3 screen.
6b.12 Ifclerk presses the Cancel button then processing continues at Figure 6a: Cancel.
6b. 12a If the counter detects that card insertion has exceeded timeout, processing continues
from Figure 6a: Counter Detected Timeout. (This test was introduced as a workaround
for an error on the PIN pad).
6b.13 If card insertion times out then processing continues at Figure 6a: Card Insertion
Timeout.
6b.14_ The customer inserts the card into the PIN pad — second attempt.
6b.15 If the PIN pad fails to read the card then processing continues at Figure 6c: /nsert
Card (3).
6b.15a The PIN Pad beeps once to indicate that the expected card has been correctly inserted.
6b.16 When a card is inserted into the PIN pad and is successfully read then the PIN pad
sends an STA 2 command to the counter to indicate that the card has been successfully
inserted.
6b.17 The counter displays screen EB13 Card Inserted (see 5.1.13). Processing continues at
Figure 8: PIN pad AID selection.
5 Step 6b.9 PIN pad beeps now moved to 6b.15a.
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Pur
7 Sereen EBPI 'y
'\ Remove and
ce insearaud
[PIN pad sends
STA 8 message
= bore 1
115 seconds
1 PINpadsenas I
[STAD message I
— bom I
1 pavpadwais I
xan
Ly screen EBPIT
NRe-inser card y
rho 5
1 PIN pad sends
1 STAT message i
— 40 sopnter 1
‘Screen EB3
Please insert
1 6clSa
PIN pad reads,
eee
poche
1 PINpad beeps
1 PIN pad senas!
p STA2 message I
- ope!
Cancel I
Kos
Detected
s uss
“ard Insertioh
Bien s
wes
\ 6.14
\ Customer
Pa
eG SN
7 Seveen EBPIS,
‘4, Remove and
‘pondover cant 7
to B= 7
1 PIN pad sens
pStaomenge I
Vbu
Figure 6c: Activity Flows for EMV Banking — Insert Card (3)
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Notes for Figure 6c
6c.1
6¢.2
6c.3
60.4
6¢.5
6c.6
6¢c.7
6c.8
6c.9
6c.10
6c.11
6c.12
6c.12a
6c.13
6c.14
6c.15
6c.1Sa
6c.16
The PIN pad displays screen EBP16 Remove & Re-insert card (see 5.2.25 - second
failure). The PIN pad beeps for a configurable period (15 seconds) or until the card is
removed or the transaction is aborted.
The PIN pad sends an STA 8 message to the counter to indicate that the card needs to
be removed and re-inserted in the PIN pad with the correct orientation.
The counter displays screen EB8 (see 5.1.8) informing the clerk that the customer is
still having problems inserting their with the correct orientation.
If the card is removed then processing continues at 6c.8.
The PIN Pad waits for a configurable period (15 seconds) before displaying the next
screen and sending an STA D command. During this time it beeps.
If the clerk presses the cancel button on the EB8 screen then processing continues at
Figure 6a: Cancel.
The PIN pad sends an STA D command to the counter signalling card removal
timeout. Processing continues at Figure 7: Card Removal Timeout.
PIN pad displays screen EBP17 Re-insert card (see 5.2.26).
Step removed®
The PIN pad sends an STA 1 command to the counter to indicate that the customer’s
card needs to be inserted into the PIN pad.
The Counter displays screen EB3 Card Insertion (see 5.1.3).
Steps 6c.10, 6c.11, 6c12 and 6c.13 may not actually occur. If the customer is quick
about re-inserting their card then the PIN pad may not send the STA 1 command and
the counter will correspondingly not display the EB3 screen.
If clerk presses the cancel button or screen EB3 then processing continues at Figure
6a: Cancel.
If the counter detects that card insertion has exceeded timeout, processing continues
from Figure 6a: Counter Detected Timeout. (This test was introduced as a workaround
for an error on the PIN pad).
If card insertion times out then processing continues at Figure 6a: Card Insertion
Timeout.
The customer inserts the card into the PIN pad — third attempt.
If the PIN pad fails to read the card processing continues from 6c.18.
The PIN Pad beeps once to indicate that the expected card has been correctly inserted.
When the card is inserted into the PIN pad and successfully read then the PIN pad
sends an STA 2 command to the counter to indicate that the card has been successfully
inserted.
6 Step 6c.9 PIN pad beeps now moved to 6c. 15a.
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6c.17
6c.18
6¢.19
6c.20
The counter displays screen EB13 Card Inserted (see 5.1.13). Processing continues at
Figure 8: PIN pad AID selection.
PIN pad beeps for a configurable period (15 seconds) — card removal beeps.
PIN pad displays screen EBP18 Remove and handover card (see 5.2.27 - third failure).
The PIN pad sends an STA 9 command to the counter signalling that fallback to swipe
and signature processing is allowed.
Processing continues from Figure 7: Fallback Processing. Method of Entry would be
set in this case to 3 (Integrated chip card in magnetic stripe fallback mode).
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2.2.5 Fallback Processing
ral
Screen EBI2
Remove Card
T
Counter Sends
ACK to PIN pad
to Stop bees
rain 5
[PIN pad sends r--
p STAG message 1 14 1
‘= docu I ' PIN pad waits corny
15 seconds 2
- ——<! 4 Screen EBPI9 J
NHlandover card y
rae -5 <=
y T_PIN pad sends
[SIADmeee I
— decom d
7.6
Find Comman:
Processing
I
Counter logs
that card failed
PIN pack
Sereen EB6
card cannot be
Figure 7: Activity Flows for EMV Banking — Fallback Processing
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Notes for Figure 7
7A
7.2
73
74
7.6
77
78
79
710
7AL
7A2
713
7A4
The counter displays screen EB12 Invalid Card Screen (see 5.1.12).
If the clerk presses the OK button to stop the PIN pad from beeping then processing
continues from 7.13.
If the card is removed from the PIN Pad then processing continues at 7.12.
The counter waits for a configurable period (15 seconds) whilst the PIN pad beeps.
When the timer expires then the PIN Pad stops beeping and returns an END command
to the counter.
The PIN pad sends a STA D message to the counter to indicate card removal timeout
expiry.
The process Figure 5¢ End Command Processing is performed.
The counter sets a flag to show that the card failed in the PIN pad: this is so that the
card swipe passes the test in Figure 3 step 3.6.
The counter displays screen EB6 Card cannot be read by PIN pad (see 5.1.6). It may
be that the card is not an ICC card or that the chip is broken. This screen informs the
clerk that the PIN pad has failed to read the card and that he should try swiping the
card instead.
If the customer gives the card to the clerk then the processing continues at Figure 3:
Swipe Card.
The clerk touches Cancel on the EB6 screen. The counter returns to the Serve
Customer Menu.
Step removed’.
The PIN pad displays screen EBP19 Handover card to clerk (see 5.2.28). Processing
continues from 7.6.
The counter sends an ACK( cancel ) to the PIN pad to cause the PIN pad to stop the
beeping and to continue at the next step of the process (breaking out of the card
removal loop).
The PIN pad sends a STA 6 message to the counter to indicate clerk cancel of card
removal loop. Processing continues from 7.6.
7 Step 7.11 previously situated between 7.3 and 7.12 concerned the customer removing the card,
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2.2.6 Application Selection
N ur 5 run
Afplication RSF paw pad sends screen EBPIS ™
S Spopulatey 7 "T STA9 message F Remove and F
: it ~“ F ocuume 1 tandovercass 7
Y (2300 N Y
—<Card blocked >———}
Sy etn TT Ty 7 tsar 4
N _Gasiomer requtted_Y “screen EBP3 V pw padsenus I Pall
ee _- ‘Ato confirm # Display STAB message I AOS
I IN pees NE? apelications, 1 wom 1
Lunusable appticationt == tee
Lo ftompbedite 1 ! 83
System selects
! ee ! App Selection
-_--4
aN = Zo
#Somer ness J Customer presses '
oty S Gosistancs, TCR bption
N72 3P Ss Ne
Sie spliatin> 4 N
sgsablet --0 a - hte
oo Sie on 1 application to cancel,
Mote applicat Y 2fary No Nocancele
IS Jon card, P74 L$ & Application > YY Y
Ne Silgcksi” --2771
: aN 1 St ewes!
No ee RN ---- Customer presses
85 1 736 Nb ange buon!
PIN pad sends f->/ Application}
L_ STAC tocounter Name y S
8.2 1 Pas
1 PNpadsends fe _Y eadion nas, N
- AAC to counter SS failure
Fe -r--! SNe?
7 Sereen B
\ Appli
= Bloc wT
Counter sends Decline
ACK (cancel)
to DIN pad
8.15 s
-de- Counter sends
uray Remove I fe] ACK message
Sereen EBP23 Card
iA Card
= Blocked 7 J
8.16
End Command!
Processing
End
Figure 8: Activity Flows for EMV Banking — PIN pad AID selection
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Notes for Figure 8
8.0 The PIN pad checks whether the card is blocked and if it is, processing continues from
8.0a: otherwise, processing continues from 8.1.
8.0a The PIN pad displays screen ERP23 Card Blocked (see 5.2.32). (An error code of
08018 is returned with the STA 7 message in step 8.15).
Processing continues from 8.15.
8.1 If the EMV card contains no matching applications processing continues from 8.18:
(the transaction may fallback to MSR).
8.2 If the cardholder is required by ICC settings to confirm the application to be used
processing continues at 8.8: (typically this happens when the customer needs to make a
selection from a list of retail applications which are on the card, but it can also happen
if the card contains a single retail application that needs to be confirmed by the
customer).
8.3. The PIN pad automatically selects the application.
8.4 If the selected application is found by the PIN pad to be unusable possibly as a result
of the PAN not being supported by POL reference data then processing continues at
8.20.
8.4a The PIN pad checks whether the application is blocked and if it is, processing
continues from 8.4b: otherwise, processing continues from 8.5.
8.4b The PIN pad checks whether there are further applications on the card to be
considered and if there are, processing continues from 8.20.
8.4c Otherwise, the PIN pad displays screen ERP22 Application Blocked (see 5.2.31). (An
error code of 08057 is returned with the STA 7 message in step 8.15).
Processing continues from 8.15.
8.5 The PIN pad sends an STA C message to the counter containing the selected
application.
8.6 PIN pad displays the selected application name.
8.7. The counter checks the card data — check digit etc and if there is an error processing
continues from 8.13.
(There is no check on effective date and expiry date and the request is still sent to the
Merchant Acquirer even if the PAN seems to be out of date).
Otherwise, processing continues from 8.21.
8.8 The cardholder is presented with a list of applications on screen EBP3 (see 5.2.3): (it is
possible for the PIN pad to display a single application in instances where it needs to
be confirmed by the customer).
8.8a The PIN pad sends an STA B command to the counter indicating that customer
application selection is in progress.
8.8b The Counter displays screen EB21 (see 5.1.21) to inform the Clerk that the PIN pad is
prompting the customer to perform application selection. Screen has a cancel button:
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otherwise, the screen remains there until application selection has completed at the
PIN pad, or the Clerk cancels the transaction.
8.9 Ifthe customer needs help processing continues from 8.10: otherwise, processing
continues from 8.11.
8.10 If the customer needs help with application selection he may allow the clerk to perform
that operation for him. This is achieved by the customer pressing the CLR button on
the PIN pad. The clerk will explain this to the customer. Processing continues from
Figure 9: Counter AID Selection.
8.11 If the customer decides to cancel processing continues from 8.12: otherwise,
processing continues from 8.12a.
8.12 The customer cancels by pushing the cancel button or taking the card out before the
transaction is finished. Processing continues from Figure 22: Customer Cancel.
8.12a The customer selects application. Processing continues from 8.4.
8.13 The counter displays one of a number of error screens. As this is part of the existing
system process it will not be expanded here. See NB/SPE/003 for details.
Range checking will also be carried out here for the amount, to ensure that it falls
within the bounds set out by reference data. The screens E9 (see 7.2.4) and E10 (see
7.2.5) will be used to display bound check errors.
¢ screen E9 - amount entered is outside limits supported for this card
e screen E10 - amount entered isn’t a correct multiple: (unlikely depends on
reference data).
8.14 The counter sends an ACK cancel message back to the PIN pad.
8.15 Remove Card process is performed — Figure Sa.
8.16 The End Command Processing process is performed — Figure Sc. Counter returns to
the Serve Customer Menu.
8.18 The Pin pad sends an STA 9 command to the counter.
8.19 PIN pad displays screen EBP18 Remove and handover card (see 5.2.27). Processing
continues at Figure 7: Fallback Processing.
8.20 The unusable application will be removed from the application candidate list and
application selection will begin again at 8.1 (If the list is found to be empty then
fallback to MSR will be allowed).
8.21 If the PIN Pad detects a failure during Action Analysis then processing continues at
8.22. Otherwise, processing continues from Figure 10: Zransaction Selection.
8.22 The PIN Pad sends an AAC command to the counter.
8.23 The counter displays screen EB14 Decline (see 5.1.14).
8.24 The counter sends an ACK command to the PIN Pad to acknowledge the AAC
command. This allows the PIN Pad to move on to the next command. Processing
continues at 8.15.
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or Ty
Screen EBP13
\. App selection
\ Atcounter /
in >a
1 paypad sends
1 KBD message #
1 tocopnter 1
93
Screen EB1O
Display
applications
“I
_— J
05
Clerk selects
cancel
bx
Sends AC!
(cancel) command]
to. PIN.
97
[Remove Card
]
98
nd CommanI
Processing
a0
‘Counter sends ACK]
App Id message
4o-PIN pad.
Figure 9: Activity Flows for EMV Banking — Counter AID selection
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Notes for Figure 9
91 The PIN pad displays screen EBP 13 se/ecting application for payment (see 5.2.22).
9.2 The PIN pad sends a KBD message to the counter informing the counter that the
customer has pressed the CLR key: the KBD message contains the list of the available
applications.
9.3 In response to the KBD message from the PIN pad the counter displays screen EB10
(see 5.1.10). This is a pick list screen, which lists the available applications listed in the
KBD message: additionally another choice available to the clerk is the CANCEL
option
9.4 The clerk discusses the available applications with the customer.
If the customer selects an application then processing continues from 9.9.
Otherwise, processing continues from 9.5
9.5 The clerk selects Cancel.
9.6 The counter sends an ACK cancel command to the PIN Pad.
9.7 The process Figure 5a: Remove Card is performed.
9.8 The process Figure Se: End Command Processing is performed. The counter returns
to the Serve Customer Menu.
9.9 The clerk selects the appropriate application.
9.10 The counter sends an ACK command back to the PIN pad informing the PIN pad of
the selected application.
Processing continues from Figure 8: Check Application.
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2.2.7 Transaction Selection
10.5
Tos
en EL
Screen 1 error
isplay available message
10.5 Clerk selects
Balance enquiry
10.3 Clerk selects 10.4 Clerk selects
Cash withdrawal Withdraw limit
10.6 Clerk selects
Deposit
10.7 Clerk selects
Change PIN
a9
Note: For “Deposit” the clerk can select one of two available
Counter sends
ACK(cancel)
buttons: one for “Cash Deposit”, the other for “Cheque Deposit”
Since both flows are otherwise the same they have been shown as
one flow in this document
To PIN pad.
10.10
Remove
Card
I
10.11
nd Commant
Processing
Figure 10: Activity Flows for EMV Banking — Transaction Selection
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Notes on Figure 10
10.1 Using reference data the Counter determines whether there are any transactions which
can be performed with this card. If there are none then processing continues from 10.8.
10.2 Otherwise, the available options are displayed on screen 1 Display available options
(see 7.1.1). This is a pick list screen and can be scrolled.
10.3. If clerk selects Withdraw processing continues from Figure 11: Withdraw.
10.4 If clerk selects Withdraw Limit processing continues from Figure 13: Withdraw Limit.
10.5 If clerk selects Balance Enquiry processing continues from Figure 17: Balance
Enquiry.
10.6 If clerk selects Cash Deposit processing continues from Figure 15: Deposit.
If clerk selects Cheque Deposit processing continues from Figure 15: Deposit.
10.7 If clerk selects Change PIN processing continues from Figure 19: Change PIN.
10.8 Where no options are available the counter displays screen E11 No services
available (see 7.2.6).
10.9 The counter sends an ACK cancel command to the PIN Pad
10.10 The process Figure 5a: Remove Card is performed.
10.11 The process Figure Se: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
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2.3 EMV Banking Transactions Stage 2 (Customer
Verification and Transaction Service)
2.3.1 Cash Withdrawal
This section covers the main activities for a Cash withdrawal.
Pre conditions
© The EMV card details have been validated
Post conditions
e The transaction is added to the EPOSS stack, or
© The transaction is cancelled.
Description
The Clerk enters the transaction amount and the customer enters a PIN. In the normal flow,
the transaction goes online for an authorisation. The authorisation response is passed to the
PIN pad which may return a TC (to proceed with the transaction) or an AAC (a decline
irrespective of institution verdict).
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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71.25 clerk
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
L scwen2 \.
: 11.28 Clak
re acknowledges
abandons using
Tre
‘ounter Sends ACI
(cancel) command!
1a PIN pad.
11.27
Remove Car
]
11.28
End Comman
Processing
End
N >
fork decide 11.3 clerk enters
a al amount
‘Screen EB2
Waiting for
PIN
1S
Supply transaction]
data to PIN pad
BNK2 i.
aoe
TUT TN
7 ScrenPla
Enter PIN y
a
-*yt- x
N gfe y
Acton Anal
?
S flue, .
~ “ Ye S
71110 SY NV flllback to US
AN Fatback to S——— Sse,
S ysis 7 aad
N ro ninm 5
a, 2 I PIN pad returns
T1100 1 AAC tothe
V pin pad retums 4
l 1
ConA 130d
1 PINpad beeps 4
4 Sereen EBPIL iu for 15 seconds
N Pr
oem
Screen E9 or
E10 error
7 Fiscnnns 1S Set
customer bandons, a 1S
p_mes PIN I vee Castomed
Cancel
an TTT
Counter sends
rmrny ACK message
7 Sereen EBPIS as
4 Remove and an
iis andovencand 7 Tip.
Screen 5 F sereentBP9
Li -- -- \_ Declined
rm . = -
Ter PIN pad sends
Go on-line and 1 STA 9 message 11.20 M21
wait for 1 wow 1 Remove Jind Comman
xespons Card Process
Process
vithdrayy End
Figure 11: Activity Flows for EMV Banking — Cash Withdrawal
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Notes for Figure 11
11.1 The counter displays screen 2 Enter Amount (see 7.1.2).
11.2 Ifclerk decides to cancel transaction (by pushing Prev key), then processing continues
from 11.25.
11.3. Otherwise, the clerk enters the amount.
11.4 The counter checks the amount and if it is valid, processing continues from 11.5.
Otherwise, processing continues from 11.22.
11.5 The counter displays screen EB2 Waiting for PIN (see 5.1.2).
11.6 If the amount is valid the counter provides relevant data to the PIN pad: this is
provided in a BNK 2 command containing the transaction type and the amount.
11.7 PIN pad displays screen Pla Confirm and Enter PIN for Cash Withdrawal’ (see
5.2.13).
11.8 The Customer enters their PIN and pushes the ENT key.
11.9 Ifaction analysis causes a decline ( AAC ) then processing continues at 11.16:
otherwise, processing continues from 11.10.
11.10 If fallback to MSR is required processing continues from 11.30. (This is a rare event
but has to be catered for).
11.10a When the PIN is successfully entered the PIN pad returns an ARQ message to the
counter: this message includes the PIN number.
11.11 PIN pad displays screen EBP11 Processing: Please wait? (sce 5.2.11).
11.12 Step removed."”
11.13 Step removed.
11.14 The counter temporarily displays screen 5 (EMV) Waiting for authorisation (see
5.1.22).
11.15 The system goes on line to the financial institution whilst waiting for authorisation.
Processing continues from Figure 12: Process Withdraw.
11.16 If fallback to MSR is required processing continues from 11.30. (This is a rare event
but has to be catered for).
11.16a The PIN pad sends an AAC command to the counter. This informs the counter that the
transaction has been declined.
“Tf the card does not support PIN verification and the Terminal Action Codes have not been set to decline such
transactions then the transaction skips to 11.9 without displaying PIN pad screen Pla.
° Currently the system displays 2 screens instead of one: the first contains “Processing” the second contains
“Please Wait” — PC0108611
1 Steps 11.12 and 11.13 previously concerned the passing of TLV and TDR messages between the counter and
the PIN pad: steps were removed from main processing flow to improve performance.
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11.17. The counter displays the EB14 screen (see 5.1.14) showing a transaction declined
11.18
11.19
11.20
11.21
11.22
11.23
11.24
11.25
11.26
11.27
11.28
11.29
11.30
11.31
11.32
message.
The counter sends an ACK message to the PIN pad. This acknowledges the AAC
command and allows the PIN Pad to progress to the remove card sequence.
The PIN Pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
The process Figure Sa: Remove Card is performed.
The process Figure Se: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
If the amount is not valid counter displays screen E9 nvalid Amount - range (see
7.2.4) or screen E10 /nvalid Amount — multiples (see 7.2.5) , as appropriate.
The clerk acknowledges the error and processing returns to the screen 2 Enter Amount
(see 7.1.2).
If the customer decides to cancel processing continues from Figure 22: Customer
Cancel: (The customer cancels explicitly by pushing the cancel button or taking the
card out before the transaction is finished, or implicitly if the customer does not enter
the PIN within the PIN Entry timeout period). Otherwise, processing continues from
11.9.
The Clerk abandons by pressing the Prev key.
The counter sends an ACK (cancel) command to the PIN pad. This causes the PIN
Pad to abort the current activity and progress to the remove card sequence.
The process Figure 5a: Remove Card is performed.
The process Figure 5c: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
If the Clerk abandons by pressing the Cancel button on the EB2 screen (see 5.1.2) then
processing continues at 11.26. Otherwise, processing continues from 11.9.
The PIN pad beeps for 15 seconds until the card is removed or until the clerk touches
OK on the EB12 screen (see 5.1.12) in step 7.1.
PIN pad displays screen EBP18 — Remove and handover card (see 5.2.27).
The PIN pad sends an STA 9 command to the counter indicating an MSR fallback
scenario.
Processing continues from Fallback Processing in Figure 7.
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Process
Withdraw,
137
Force a local
!
decision by settingI
failure
Cancelled
Process response
and pass to
T2
€j Amount™
4] Amount 3
PIN pad
processes
= sons 1
IIe
Force a decline
uth
By setting failing
-
eae Nn
$
ey
eae
card removed >
-J- Sle
7 28a N ‘fon
7 Screen EBP20 J
N cancelled
rT Dp 4 rus
1 PINpad sends I 4” Screen EBP
STA 6 command Cancelled
1 AY v7
om Whepouwtce, P crmaeveatah
c
TLV Command
TET
‘ounter sends
to PIN pad.
12.32 i
I pw. pad sends
EER to the counter,
12.33,
Remove
Card
Yt
T
Send ACK
command to
BIN pad
rure
‘Screen EBP1O
Approved
uemovecauh 7
12.10
Approved
Remove CardI
i
12.11
JEnd Commani
gore
vor
Y
1234
End Commank
Process:
TETT
Commit
transaction
Lostack
THe
Send ACK
command to
BIN pad.
te -
7 Screen EBP9
4 Declined
eemevecatah
12.18
Screen EBI4
Declined
12.21
Remove
Card
12.22
End Comman
Process
12.23 Decline
invespective of
Jastitution responseI
Figure 12: Activity Flows for EMV Cash Withdrawal (continued)
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Notes for Figure 12
12.1
12.2
12.3
12.4
12.4a
12.4b
12.5
12.6
12.7
12.8
12.9
12.10
12.11
12.12
12.13
12.14
12.16
12.17
12.18
u
Ifan authorisation response is not received processing continues from 12.27.
Authorisation Response timeouts still need to be handled by the PIN pad so non-
receipt of authorisation response is communicated to the PIN pad as comms failure.
If the authorised amount and requested amounts are not equal then processing
continues from 12.26.
The counter processes the response and passes the result to the PIN pad: this is within
a BNK 3 command.
The PIN pad then processes the response and passes a TC or AAC response back to
the Counter.
If the EMV transaction has failed at second GenAC processing continues from 12.4b:
this may be for one of the following reasons:
e the customer has cancelled the transaction possibly by removing the card too
early
e the PIN pad has some other reason for rejecting the transaction.
Otherwise, processing continues from 12.5.
If the card has been removed from the PIN pad processing continues from 12.28a.
Otherwise, processing continues from 12.28.
If the response is TC the transaction is fully approved and processing continues from
12.6. Otherwise, the transaction has been declined and processing continues at 12.16.
Counter sends an ACK command to acknowledge the TC PIN Pad command.
The PIN pad displays screen EBP10 Approved: Remove Card (see 5.2.10).
Step removed!"'.
Step removed.
The process Figure 5b: Approved Remove Card is performed.
The process Figure 5c: End Command Processing is performed.
If the Financial Institution is charging a fee processing continues from 12.24
Otherwise, processing continues from 12.13.
The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed.
The transaction is committed to the stack. The transaction ends. The counter returns to
the Serve Customer Menu.
The counter sends an ACK command to confirm the AAC PIN Pad command.
The PIN pad displays EBP9 — Declined: Remove Card (see 5.2.9).
The counter displays screen EB14 Decline (see 5.1.14).
Steps 12.8, 12.9, 12.19, and 12.20 connected with TLV and TDR messages have been removed as the
result of performance improvements to the main paths. However steps 12.31 and 12.32 remain.
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12.19
12.20
12.21
12.22
12.23
12.24
12.25
12.26
12.27
12.28
Step removed.
Step removed.
The process Figure 5a: Remove Card is performed.
The process Figure 5c: End Command Processing is performed.
The transaction is declined irrespective of the response received from the Financial
Institution and processing continues from Figure 23: Decline.
(The PIN pad will decline the transaction if the customer pushes the cancel button or
the card is removed too early).
The counter displays screen 6 Charge Confirmation (see 7.1.5) which displays the fee
details. This screen allows the clerk to continue or cancel
If the customer agrees to the fee the clerk selects Yes and processing continues from
12.13.
Otherwise, the clerk selects No and processing continues from Figure 23: Decline.
When the amount requested is not equal to the amount authorised then set the
Authorisation Response Code to force a decline by the PIN Pad. Processing continues
from 12.3.
When no response is received from the financial institution the counter generates an
Authorisation message with a Response Code indicating that a failure has occurred:
(possibly a timeout). Processing continues from 12.3.
The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 12.31.
12.28a The PIN pad displays screen EBP20 Cancelled (see 5.2.29).
12.29
12.30
12.31
12.32
12.33
12.34
The PIN Pad sends an STA 6 command to the counter indicating a card removal
during the authorisation process.
The counter displays screen EB4 Transaction Cancelled by Customer (see 5.1.4).
The counter solicits EMV tag data from the PIN pad using the TLV command"*.
The PIN Pad returns the requested data to the counter using the TDR command.
The process Figure 5a: Remove Card is performed.
The process Figure Se: End Command Processing is performed.
As a [CO] is possibly required processing continues from Figure 23: Decline.
® Steps 12.8, 12.9, 12.19, and 12.20 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths, However steps 12.31 and 12.32 remain.
8 Steps 12.8, 12.9, 12.19, and 12.20 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths, However steps 12.31 and 12.32 remain.
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2.3.2 Withdraw Limit
This section covers the main activities for a Withdraw Limit.
Pre conditions
© The EMV card details have been validated
Post conditions
e The transaction is added to the EPOSS stack, or
© The transaction is cancelled.
Description
After the Clerk chooses Withdraw Limit, the customer enters a PIN. In the normal flow, the
transaction goes online for an authorisation. The authorisation is passed to the PIN pad which
may return a TC (to proceed with the transaction) or an AAC (a decline irrespective of
institution verdict).
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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Version:
Date:
dra
Limi
TST
Founter Sends AC
(cancel) command]
esa
13.20
Remove Card)
i
13.21
[End Comman
Processing
End
6 reads maxima
TST System
limit from
Refi Pala.
2
Waiting for
Te
‘Supply transaction]
data to PIN pad
BNK 2 ‘
PBT
4 ScreenPib
N Enter PIN y
vis
a
1 13Scwstomer I
enters PIN.
ee.
“t
Py
cat \
Gromer Abandgys——§$+] Custom
Noo we
Ne
Cancel
dn
Noe
NW action
Sinn, 7 ;
BS pe
7 BT NY Yoo%
NW Fallback to :
ras TN
7 Screen EBPIL
Processing y
i] 13.24 1
1 PINpad beeps 4
for 15 seconds
rns
7 Screen EBPI8
‘Remove and
tandovercant 7
Go on-line and L ~ B37 4
wait for PIN pad sends
espouse. T sTA9 message I
I iat ele
s
[fallback to JS
Suse,
{*
r= Bm 5
1 PIN pad retums
yp AAC tothe 1
THIS
Counter sends
ACK message
73464
7 Screen EBP9. J
\_ Declined y
?
13.17
Remove
Card
Process Fallback
Limit rocessins
Figure 13: Activity Flows for EMV Banking — Withdraw Limit
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Notes for Figure 13
13.1 The Counter looks up reference data related to the card scheme of the card in use, to
determine the maximum amount that can be withdrawn for that particular scheme.
13.2. The counter displays screen EB2 Waiting for PIN (see 5.1.2).
13.3. The counter provides relevant data to the PIN pad: this is provided in a BNK 2
command containing the transaction type and the maximum amount.
13.4 The PIN pad displays screen P1b Confirm and Enter PIN for Withdraw Limit'* (see
5.2.14).
13.5 Customer enters their PIN and pushes the ENT key. Processing continues at 13.6.
13.6 If action analysis causes a decline ( AAC ) then processing continues at 13.13:
otherwise, processing continues from 11.7.
13.7 If fallback to MSR is required processing continues from 13.24. (This is a rare event
but has to be catered for).
13.7a When the PIN is successfully entered and if action analysis does not reveal an error
then the PIN pad returns an ARQ command to the counter: this command includes the
encrypted PIN block.
13.8 PIN pad displays screen EBP11 Processing: Please wait'’ (see $.2.11).
13.9 Step removed.'®
13.10 Step removed.
13.11 The counter temporarily displays screen 5 (EMV) Waiting for Authorisation (see
5.1.22).
13.12 The system goes on line to the financial institution to obtain authorisation for the
transaction.
Processing continues from Figure 14: Process Limit.
13.13. If fallback to MSR is required processing continues from 13.24. (This is a rare event
but has to be catered for).
13.13a The PIN pad sends an AAC command to the counter.
13.14 The counter displays the EB14 screen (see 5.1.14) showing a transaction declined
message.
13.15 The counter sends an ACK command to the PIN pad, acknowledging the AAC
command. This allows the PIN pad to move on to card removal processing.
"Tf the card does not support PIN verification and the Terminal Action Codes have not been set to decline
such transactions then the transaction skips to 13.6 without displaying PIN pad screen P1b.
'S Currently the system displays 2 screens instead of one: the first contains “Processing” the second contains
“Please Wait” — PCO108611.
6 Steps 13.9 and 13.10 previously concerned the passing of TLV and TDR messages between the counter and
the PIN pad: steps were removed from main processing flow to improve performance.
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13.16 The PIN Pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
13.17. The process Figure 5a: Remove Card is performed.
13.18 The process Figure Se: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
13.19 The counter sends an ACK(cancel) command to the PIN pad. This causes the PIN pad
application to abort the current activity and enter remove card processing.
13.20 The process Figure 5a: Remove Card is performed.
13.21 The process Figure 5c: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
13.22 Ifthe clerk abandons processing continues 13.19. Otherwise, processing continues
from 13.6.
13.23 If the customer decides to cancel processing continues from Figure 22: Customer
Cancel. (The customer cancels explicitly by pushing the cancel button or taking the
card out before the transaction is finished, or implicitly if the customer does not enter
the PIN within the PIN Entry timeout period). Otherwise, processing continues from
13.6.
13.24 The PIN pad beeps for 15 seconds until the card is removed or until the clerk touches
OK on the EB12 screen (see 5.1.12) in step 7.1.
13.25 PIN pad displays screen EBP18 Remove and handover card (see 5.2.27).
13.26 The PIN pad sends an STA 9 command to the counter indicating an MSR fallback
scenario.
Processing continues from Fallback Processing in Figure 7.
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Ref: NB/PRP/004
Version: 2.0
Date: 21-April-2005
Process:
Limit
17
Force loc
idecision
L comms fii}
TH
Process response
and pass to
PIN pad TT
Forve a decline
r-ah- By setting filing
1 PiNpad uth espa
[Processes 4
— apne [Ae on J
¥ ge faituea® anes
PEGenag # roid
Ne wo
Y Ley
o 14.46 N Yy
Fat moved >
rae Saye Tr8
14.288 NY i N Send ACK
7 Screen EBP20. The ‘command to
N cancelled y Send ACK DIN pad
ied ee command to
roab-5 oer EIN pad. reirn
T PIN pad sends 1g Seren EBPT 7 Screen EBP9
STA 6 command Cancelled - Declined
Tastcpause 1 ‘cemavecou 7 januinn® \ omvesand
‘\ Approved I
Ta30 semovecand 7 14.18
Screen EBI4
Screen EB4 ‘Declined
Cancelled
TEST 14.10
Counter sends Approved
TLV Command [Remove Card]
oPIN pad
y 14.21
a a Remove
ua od cad Conan Card
PIN pad sends. 1 . Process
HDR tothe countey : -
7 71 7 Screen 6
y Display fee 14.22
1433 Ta. Find Comman
Remove Js FI charging, Process:
Card fee?
T Y 4.25
Cistomer apres
Mt eo fey 14.23 Decline
= ‘ommans imespective of
=
stitution response
THT
Commit
transaction
iosiack
Decline
es
Figure 14: Activity Flows for EMV Banking — Withdraw Limit (continued)
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COMMERCIAL IN-CONFIDENCE
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Page: 75 of 213
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Notes for Figure 14
14.1 Ifan authorisation response is not received processing continues from 14.27.
Authorisation Response timeouts still need to be handled by the PIN pad so non-
receipt of authorisation response is communicated to the PIN pad as comms failure.
14.2 If the authorised amount is greater than the maximum amount then processing
continues from 14.26.
14.3. The Counter processes the response and passes the result to the PIN pad: this is within
a BNK 3 command.
14.4 The PIN pad then processes the response and passes the TC or AAC response back to
the Counter.
14.4a Ifthe EMV transaction has failed at second GenAC, processing continues from 14.4b:
this may be for one of the following reasons:
e the customer has cancelled the transaction possibly by removing the card too
early
e the PIN pad has some other reason for rejecting the transaction
Otherwise, processing continues from 14.5.
14.4b Ifthe card has been removed from the PIN pad processing continues from 14.28a.
Otherwise, processing continues from 14.28.
14.5 If the response is TC the transaction is fully approved and processing continues from
14.6. Otherwise, the transaction has been declined and processing continues at 14.16.
14.6 The counter sends an ACK command to acknowledge the TC PIN Pad command.
14.7 The PIN pad displays screen EBP10 Approved: Remove Card (see 5.2.10).
14.8 Step removed.'”
14.9 Step removed.
14.10 The process Figure 5b: Approved Remove Card is performed.
14.11 The process Figure 5c: End Command Processing is performed.
14.12 Ifthe Financial Institution is charging a fee processing continues from 14.24
Otherwise, processing continues from 14.13.
14.13. The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed.
14.14 The transaction is committed to the stack. The transaction ends. The counter returns to
the Serve Customer Menu.
14.16 The counter sends an ACK command to acknowledge the AAC PIN Pad command.
14.17. The PIN pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
14.18 The counter displays screen EB14 Decline (see 5.1.14).
”
Steps 14.8, 14.9, 14.19, and 14.20 connected with TLV and TDR messages have been removed as the
result of performance improvements to the main paths. However steps 14.31 and 14.32 remain.
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14.19
14.20
14.21
14.22
14.23
14.24
14.25
14.26
14.27
14.28
Step removed.!*
Step removed.
The process Figure 5a: Remove Card is performed.
The process Figure 5c: End Command Processing is performed.
The transaction is declined irrespective of the response received from the Financial
Institution and processing continues from Figure 23: Decline.
(The PIN pad will decline the transaction if the customer pushes the cancel button or
the card is removed too early).
The counter displays screen 6 Charge Confirmation (see 7.1.5) which displays the fee
details. This screen allows the clerk to continue or cancel
If the customer agrees to the fee the clerk selects Yes and processing continues from
14.13.
Otherwise, the clerk selects No and processing continues from Figure 23: Decline.
When the amount requested is not equal to the amount authorised then set the
Authorisation Response Code to force a decline by the PIN Pad. Processing continues
from 14.3.
When no response is received from the financial institution then force a decline from
the PIN pad by using the comms failure setting on the BNK 3 command. Processing
continues from 14.3.
The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 14.31.
14.28a The PIN pad displays screen EBP20 Cancelled (see 5.2.29).
14.29
14.30
14.31
14.32
14.33
14.34
The PIN Pad sends an STA 6 command to the counter indicating a card removal
during the authorisation process.
The counter displays screen EB4 Transaction Cancelled by Customer (see 5.1.4).
The counter solicits EMV tag data from the PIN pad using the TLV command.
The PIN Pad returns the requested data to the counter using the TDR command.
The process Figure 5a: Remove Card is performed.
The process Figure Se: End Command Processing is performed.
As a [CO] is possibly required processing continues from Figure 23: Decline.
'S Steps 14.8, 14.9, 14.19, and 14.20 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths, However steps 14.31 and 14.32 remain.
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NB/PRP/004
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2.3.3 Cheque/Cash Deposit
This section covers the main activities for a Cheque or Cash Deposit
Pre conditions
© The EMV card details have been validated
Post conditions
e The transaction is added to the EPOSS stack, or
© The transaction is cancelled.
Description
The Clerk enters an amount for the deposit and the transaction goes online for an
authorisation: (a PIN is required). The authorisation is passed to the PIN pad which may
return a TC (to proceed with the transaction) or an AAC (a decline irrespective of institution
verdict). The clerk confirms the deposit before the transaction is added to the stack.
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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Version: 2.0
Date: 21-April-2005
Deposit
75.24 clerk
abandons using
TSF
Counter sends
ACK message
Lo PIN pad.
15,20
Remove
Card
i
15.21
ind Comman
Processing
Screen 2
‘Supply transactionI
15.23 Clerk
acknowledges
Screen E9 or
E10 ertor
data to PIN pad
BNK 2 command
: Bon -
Noo “action JY
Analysis, 7
wish SY ae .
NS Fallback to S———— YO isids
S MISRY [}———flllback to JS
ae aa
N [ Sus
Pst 1
PIN pad returns ---Y---
PIN pad returns
Lake 1 isas PNAC tothe
I PIN pad beeps U
for 18 seconds
vss
7 Screen EBPI1 } Ben
Processing y 7 Screen EBP1S
ied aie Remove and
dwandover cant 7
‘Counter sends
a ae ACK message
I by Lo BIN pad.
IN pad sends
I STA9 message Vania
1 = iecqums = 1 4 Scrcen EBP9
Declined y
15.11
Screen $
processing
TST
Go on-line and
wait for
Process
Deposit,
I
15.17
Remove
Card
i
15.18,
Jind Commane
Processing
End
Figure 15: Activity Flows for EMV Banking — Deposit
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Notes for Figure 15
15.1 The counter displays screen 2 Enter Amount (see 7.1.2).
15.2 If clerk decides to cancel transaction, processing continues from 15.24.
15.3. The clerk enters the amount.
15.4 The counter checks the amount and if it is valid then processing continues from 15.5.
If the amount is not valid then processing continues at 15.22.
15.5 The counter provides relevant data to the PIN pad: this is provided in a BNK 2
command containing the transaction type and the amount.
15.6 [faction analysis causes a decline ( AAC ) then processing continues at 15.13:
otherwise, processing continues from 15.7.
15.7 If fallback to MSR is required processing continues from 15.25. (This is a rare event
but has to be catered for).
15.7a The PIN Pad constructs and sends an ARQ command to the counter.
15.8 PIN pad displays screen EBP11 Processing: Please wait’ (see 5.2.11).
15.9 Step removed.”
15.10 Step removed.
15.11 The counter displays screen 5 (EMV) Waiting for Authorisation (see 5.1.22).
15.12 The counter goes online to request authorisation from the Financial Institution and
then waits for a response.
Processing continues from Figure 16: Process Deposit.
15.13. If fallback to MSR is required processing continues from 15.25. (This is a rare event
but has to be catered for).
15.13a The PIN pad sends an AAC command to the counter.
15.14 The counter displays the EB14 screen (see 5.1.14) showing a transaction declined
message.
15.15 The counter sends an ACK message to the PIN pad.
15.16 The PIN Pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
15.17 The Remove Card process is performed — Figure 5a.
15.18 The End Command Processing process Figure Sc is performed.
The Counter returns to the Serve Customer Menu.
15.19 The counter sends an ACK message to the PIN pad.
15.20 The Remove Card process is performed — Figure Sa.
° Currently the system displays 2 screens instead of one: the first contains “Processing” the second contains
“Please Wait” — PC0108611.
» Steps 15,9 and 15.10 previously concerned the passing of TLV and TDR messages between the counter and
the PIN pad: steps were removed from main processing flow to improve performance.
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15.21 The End Command Processing process Figure Sc is performed.
The Counter returns to the Serve Customer Menu.
15.22 If the amount is not valid then the counter displays screen E9 Invalid Amount — range
(see 7.2.4) or screen E10 Jnvalid Amount — multiples (see 7.2.5), as appropriate.
15.23. The clerk acknowledges the error and processing returns to the amount capture
screen.
15.24 The Clerk abandons by selecting the Prev key and processing continues at 15.19.
15.25 The PIN pad beeps for 15 seconds until the card is removed or until the clerk touches
OK on the EB12 screen (see 5.1.12) in step 7.1.
15.26 PIN pad displays screen EBP18 Remove and handover card (see 5.2.27).
15.27 The PIN pad sends an STA 9 command to the counter indicating an MSR fallback
scenario.
Processing continues from Fallback Processing in Figure 7.
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Ref: NB/PRP/004
2.0
21-April-2005
Date:
Process
Deposit
Tos
Force a loca
Tos
Process response
Screen EB4
Cancelled
and pass to
PIN pad
To
- -- Force a decline
H ma " By setting failing
mn ih :
processes 1. od
= sees fe oy
N fa
oe Faire ac Z Keneane N
Geng sage
y Jas Nv so
716.8 S oa y
Lard removed > We
-7- Sue cK Toe
7 16.300 ‘fon Send ACK Send ACK
7 Screen EBP20 commando command to
Screen EBP2 PIN pad a
\ cancelled y PIN pad
ToT =~
“TAF RTT 7 Soxeen EBPIO FBT Ay
[PIN pad sends I 7” Screen EBP7 \ Approved 7 Screen EBPS
pSTA6command 1“ Cancelled rmavecaud Declined
—tashepeuntc, Fo aemave cand wrmoverand 7
1 16.10
Approved
Remove Card]
Test
Counter sends
TLV Command
1634
PIN pad sends 4
EDR tothe counter
Accept Deposit
1635
Remove
Card
q
16.36
ind Comman
Process
Decline ]
16.24
Hind Comman
Process
16.25 Decline
irrespective of
Institution response]
Figure 16: Activity Flows for EMV Banking — Process Deposit (continued)
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Notes for Figure 16
16.1
16.2
16.3
16.4
16.4a
16.4b
16.5
16.6
16.7
16.8
16.9
16.10
16.11
16.12
16.13
16.14
16.15
16.16
16.18
Ifan authorisation response is not received processing continues from 16.27.
Authorisation Response timeouts still need to be handled by the PIN pad so non-
receipt of authorisation response is communicated to the PIN pad as comms failure.
If the authorised amount and requested amounts are not equal processing continues
from 16.28.
The counter processes the response and passes the result to the PIN pad: this is within
a BNK 3 command.
The PIN pad then processes the response and passes a TC/AAC response back to the
counter.
If the EMV transaction has failed at second GenAC processing continues from 16.4b:
this may be for one of the following reasons:
e the customer has cancelled the transaction possibly by removing the card too
early
e the PIN pad has some other reason for rejecting the transaction.
Otherwise, processing continues from 16.5.
If the card has been removed from the PIN pad processing continues from 16.30a.
Otherwise, processing continues from 16.30.
If the response is TC the transaction is fully approved and processing continues from
16.6. Otherwise, the transaction has been declined and processing continues at 16.18.
Counter sends an ACK command to confirm the TC PIN Pad command.
The PIN pad displays screen EBP10 Approved: Remove Card (see 5.2.10).
Step removed.”!
Step removed.
The Approved Remove Card process is performed - Figure Sb.
The End Command Processing process is performed - Figure Sc.
If the Financial Institution is charging a fee processing continues from 16.26
Otherwise, processing continues from 16.13.
The counter displays screen 8 Deposit Amount Confirmation (see 7.1.7).
If the clerk does not accept the deposit amount then processing continues from
Figure 23: Decline.
The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed.
The transaction is committed to the stack and the counter returns to the Serve
Customer Menu.
The counter sends an ACK command to confirm the AAC PIN Pad command
a
Steps 16.8, 16.9, 16.21, and 16.22 connected with TLV and TDR messages have been removed as the
result of performance improvements to the main paths. However steps 16.33 and 16.34 remain.
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16.19
16.20
16.21
16.22
16.23
16.24
16.25
16.26
16.27
16.28
16.29
16.30
16.30a
16.31
16.32
16.33
16.34
16.35
16.36
The PIN pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
The counter displays screen EB14 Decline (see 5.1.14).
Step removed”.
Step removed.
The Remove Card process is performed - Figure Sa.
The End Command Processing process is performed - Figure Sc.
The transaction is declined irrespective of the response received from the Financial
Institution and processing continues from Figure 23: Decline.
The counter displays screen 6 Charge Confirmation (see 7.1.5) which displays the fee
details. This screen allows the clerk to continue or cancel.
If the customer agrees to the fee and the clerk selects Yes then processing continues
from 16.13.
Otherwise, the clerk selects No and processing continues from Figure 23: Decline.
When the amount requested is not equal to the amount authorised then set the
Authorisation Response Code to force a decline by the PIN Pad. Processing continues
from 16.3.
When no response is received from the financial institution the counter generates an
Authorisation message with a Response Code indicating that a failure has occurred:
(possibly a timeout). Processing continues from 16.3.
The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 16.33.
The PIN pad displays screen EBP20 Cancelled (see 5.2.29).
The PIN Pad sends an STA 6 command to the counter indicating a card removal
during the authorisation process.
The counter displays screen EB4 Transaction Cancelled by Customer (see 5.1.4).
The counter solicits EMV tag data from the PIN pad using the TLV command.
The PIN Pad returns the requested data to the counter using the TDR command.
The process Figure 5a: Remove Card is performed.
The process Figure Se: End Command Processing is performed.
As a [CO] is possibly required processing continues from Figure 23: Decline.
2.3.4 Balance Enquiry
This section covers the main activities for a Balance Enquiry.
® Steps 16.8, 16.9, 16.
, and 16.22 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths, However steps 16.33 and 16.34 remain.
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Pre conditions
© The EMV card details have been validated
Post conditions
© The transaction is added to the EPOSS stack, or
© The transaction is cancelled.
Description
After the Clerk chooses Balance Enquiry, the customer enters a PIN. In the normal flow, the
transaction goes online for an authorisation. The authorisation is passed to the PIN pad which
may return a TC (to proceed with the transaction) or an AAC (a decline irrespective of
institution verdict).
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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Tra
Counter sends
ACK message
to
17.21
Remove
Card
i
17.22
fend Commane
Processing
Balance
Screen EB2
Waiting for
TIT
‘Supply transaction]
data to PIN pad
BNK 2.command.
Fas TN
4 ScreenPle
\ Enter PIN.
I
T 17Scustomer I
centers PIN’
tomer
el
4
x
N action Anal Sis
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se
soy
7178S .
Ni fullback to “S————_, YES
S Misr, }+——~ Fallback to IS
N
Li 17.23 1
I PINpad beeps
for 15 seconds
rvs
7 Screen EBPIS
\ Remove and
‘tandover.cans 4
‘
== e--
PIN pad sends
1 STA 9 message
1. woe 1
17.12
Screen $
processing
THT
Go on-line and p J
wait for
Process
Balance,
S Yisr, 7
{*
ro tho 45
1 PIN pad returns
1 AACtothe
Counter sends
ACK message
T tae 7 N
7 Screen EBP9 }
Declined y
17.18 17.19
Remove I Pe] [End Comman
Card Processing
Figure 17: Activity Flows for EMV Banking — Balance Enquiry
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Notes for Figure 17
17.1 I The counter displays screen EB2 Waiting for PIN (see 5.1.2).
17.2 The counter provides relevant data to the PIN pad: this is provided on a BNK 2
command containing the transaction type.
17.3 PIN pad displays screen Plc Confirm and Enter PIN for Balance Enquiry” (see
5.2.15).
17.4 If the clerk abandons the transaction by pressing the button on the EB2 screen,
processing continues at 17.20.
17.5 The customer enters their PIN and pushes the ENT key. Processing continues from
17.7.
17.6 If the customer decides to cancel processing continues from Figure 22 — Customer
Cancel. (The customer cancels explicitly by pushing the cancel button or taking the
card out before the transaction is finished, or implicitly if the customer does not enter
the PIN within the PIN Entry timeout period).
17.7 If action analysis detects an error then processing continues at 17.14.
17.8 _ If fallback to MSR is required processing continues from 17.23. (This is a rare event
but has to be catered for).
17.8a When the PIN is successfully entered and if action analysis does not detect an error
then the PIN pad returns an ARQ command to the counter: this command includes the
encrypted PIN block.
17.9 The PIN pad displays screen EBP11 Processing: Please wait’ (see 5.2.11).
17.10 Step removed?>.
17.11 Step removed.
17.12 The counter displays screen 5 (EMV) - Waiting for Authorisation (see 5.1.22).
17.13. The system goes online to the financial institution for authorisation and waits for a
response.
Processing continues from Figure 18 - Process Balance.
17.14 If fallback to MSR is required processing continues from 17.23. (This is a rare event
but has to be catered for).
17.14a The PIN pad sends an AAC command to the counter.
17.15 The counter sends an ACK message to the PIN pad.
17.16 The PIN pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
5 Tf the card does not support PIN verification and the Terminal Action Codes have not been set to decline
such transactions then the transaction skips to 17.7 without displaying PIN pad screen Plc.
> Currently the system displays 2 screens instead of one: the first contains “Processing” the second contains
“Please Wait” — PC0108611.
* Steps 17.10 and 17.11 previously concerned the passing of TLV and TDR messages between the counter and
the PIN pad: steps were removed from main processing flow to improve performance.
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17.17 The counter displays the EB14 screen (see 5.1.14) showing a transaction declined
17.18
17.19
17.20
17.21
17.22
17.23
17.24
17.25
message.
The process Figure 5a: Remove Card process is performed.
The process Figure 5c: End Command Processing is performed.
Counter returns to the Serve Customer Menu.
The counter sends an ACK message to the PIN pad.
The process Figure 5a: Remove Card process is performed.
The process Figure 5c: End Command Processing is performed.
Counter returns to the Serve Customer Menu.
The PIN pad beeps for 15 seconds until the card is removed or until the clerk touches
OK on the EB12 screen (see 5.1.12) in step 7.1.
PIN pad displays screen EBP18 Remove and handover card (see 5.2.27).
The PIN pad sends an STA 9 command to the counter indicating an MSR fallback
scenario.
Processing continues from Fallback Processing in Figure 7.
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Version: 2.0
Date: 21-April-2005
TET
TSIP
Force a local
decision by setting
comms failure
1 PINpad
J ocesses
— sewn 5) Pa
3 >
= Failure at ¢ i848 SN
S vGenag 7 Response = >
1 SOS SQ
y 4 Ny Ne
° Y
- TET
/ 7
a N Send ACK
7 Screen EBP20 } T command to
Cancelled y Send ACK PIN pus
wep command to
DIN pad
re ea Rr, BT ay
I PINpad sends Ig Screen EBP7 7 Soreen EBPS'y
STA6 command! “\ Cancelled ~ - Declined
raicpuce 1 emuvecaut 7 eRe TN scemove.cand
1 Soreen EBPIO 'y
coved
Tas wemovesand 7 18.16
Seni Screen EBI4
Seren UBS Declined
Cancelled
1875 18.9
Counter sends Approved
TLV Command Remove Card
Lo PIN pad
y 18.19
--t-- Remove
1327 hind ae Card
PIN pad sends 4 Pree
EDR to the counters
18.20
18.28 Find Comman:
Remove Process
Card
qT
bind Cn 18.21 Decline
Pree a inrespective of
Cant stitution response
transaction
Lo-stack
Decline Decline
~ “
Figure 18: Activity Flows for EMV Banking — Balance Enquiry (continued)
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Notes for Figure 18
18.1
18.2
18.3
18.3a
18.3b
18.5
18.6
18.7
18.8
18.9
18.10
18.11
18.12
18.14
18.15
18.16
26
If an authorisation response is not received from the financial institution then
processing continues from 18.22.
The counter processes the response and passes the result to the PIN pad: this is within
a BNK 3 command.
The PIN pad then processes the response and passes either a TC or an AAC command
back to the counter.
If the EMV transaction has failed at second GenAC processing continues from 18.3b:
this may be for one of the following reasons:
e the customer has cancelled the transaction possibly by removing the card too
early
e the PIN pad has some other reason for rejecting the transaction
Otherwise, processing continues from 18.4.
If the card has been removed from the PIN pad processing continues from 18.23a.
Otherwise, processing continues from 18.23.
If the response is TC the transaction is fully approved and processing continues from
18.5. Otherwise, the transaction has been declined and processing continues at 18.14.
There is no fee for balance enquiries.
The counter sends an ACK command to the PIN Pad acknowledging the TC
command.
The PIN pad displays screen EBP10 Approved: Remove Card (see 5.2.10).
Step removed.°
Step removed.
The process Figure 5b: Approved: Remove Card is performed.
The process Figure 5c: End Command Processing is performed.
The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed.
The transaction is committed to the stack and the counter returns to the Serve
Customer Menu.
The counter sends an ACK command to the PIN Pad acknowledging the AAC
command.
The PIN pad screen EBP9 Declined remove card (see 5.2.9) is displayed on the PIN
pad.
The counter displays screen EB14 Decline (see 5.1.14).
Steps 18.7, 18.8, 18.17, and 18.18 connected with TLV and TDR messages have been removed as the
result of performance improvements to the main paths. However steps 18.26 and 18.27 remain.
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18.17 Step removed?’
18.18 Step removed
18.19 The process Figure Sa: Remove Card process is performed.
18.20 The process Figure 5c: End Command Processing is performed.
18.21 Otherwise, the transaction is declined irrespective of the response received from the
Financial Institution and processing continues from Figure 23 — Decline.
18.22 When no response is received from the financial institution the counter generates an
Authorisation message with a Response Code indicating that a failure has occurred:
(possibly a timeout). Processing continues from 18.2.
18.23. The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 18.26.
18.23a The PIN pad displays screen EBP20 Cancelled (see 5.2.29).
18.24 The PIN Pad sends an STA 6 command to the counter indicating a card removal
during the authorisation process.
18.25 The counter displays screen EB4 Transaction Cancelled by Customer (see 5.1.4).
18.26 The counter solicits EMV tag data from the PIN pad using the TLV command.
18.27 The PIN Pad returns the requested data to the counter using the TDR command.
18.28 The process Figure 5a: Remove Card is performed.
18.29 The process Figure 5c: End Command Processing is performed.
As a [CO] is possibly required processing continues from Figure 23: Decline.
* Steps 18.7, 18.8, 18.17, and 18.18 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths, However steps 18.26 and 18.27 remain.
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2.3.5 Change PIN
This section covers the main activities for Change PIN
Pre conditions
© The EMV card details have been validated
Post conditions
e The transaction is added to the EPOSS stack, or
© The transaction is cancelled.
Description
The customer enters the old PIN is prompted to enter the new PIN, and to confirm it. In the
normal flow, the transaction goes online for an authorisation. The authorisation is passed to
the PIN pad which may return a TC (to proceed with the transaction) or an AAC (a decline
irrespective of institution verdict).
On completion of a successful transaction the card issuer will return a script which will update
the PIN on the chip so that the off-line Retail PIN will be aligned with the on-line banking
PIN
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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TT
hange Supply
Dl transaction
dainioPIN pad
Screen 3
Waiting for
f Epwtast \. Y
/ AY Change Pin
4 ScreenP3 Je \ Rei 4
\ Enter ola PIN’ y
19.
EBI9 Change
Retry
pa
[PIN pad sends
pSTAA command
\ — socomier— 1
-—" SereenP4
119.5 Customer I Nenter new PIN
enters old PIN. I —
yes rm pn 5
7 Customer’ WO sosopucr— 1
2
\ Abort,
Ny
“--1 ---
--- y \ es
Aborts 8c 199)
/ Uimecoe p I A SmmES
\ confirm PIN y
cian ail ee
i J PIN pad sends
en y STA 6 command
19.19
Remove
Card
19.20 19.14
End Commanc Remove
Proonsing 119.11 Customer I Cand
pesmters new PIN
19.15
1s Fend Comman«
,
<
Yo Sow Pn Processing
S age the same
Se
1.16
rane EBI7 Too Many
@ Nooftries’ Y PIN retries
aot
wExcee
Figure 19: Activity Flows for EMV Banking - Change PIN
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Notes for Figure 19
19.1 The counter provides relevant data to the PIN pad: this is provided in a BNK 2
command containing the transaction type.
19.2. Counter displays screen 3 Change PIN: Waiting for PIN (see 7.1.3).
19.3. PIN pad displays screen P3 Enter Old PIN (see 5.2.16).
19.4 If the customer chooses to cancel processing continues from 19.17.
(The customer cancels explicitly by pushing the cancel button or taking the card out
before the transaction is finished, or implicitly if the customer does not enter the old
PIN within the Change PIN Old PIN Entry timeout period).
19.5 The customer enters their existing PIN and pushes the ENT key.
19.6 When the existing PIN has been entered the PIN pad displays screen P4 Enter new PIN
(see 5.2.17).
19.7 If customer chooses to cancel by pressing the cancel button on the PIN Pad or by
removing their card then processing continues from 19.17.
19.8 The customer enters a new PIN and pushes the ENT key.
19.9 When the new PIN has been entered the PIN pad displays screen P5 Confirm new PIN
(see 5.2.18).
19.10 Ifcustomer chooses to cancel, then processing continues from 19.17.
(The customer cancels explicitly by pushing the cancel button or taking the card out
before the transaction is finished, or implicitly if the customer does not enter the new
PIN(s) within the Change PIN New PIN Entry timeout period).
19.11 The customer re-enters their new PIN and pushes the ENT key.
19.12. If the customer has successfully entered the 2™ copy of the new PIN and the value is
the same as the I“ copy of the new PIN, then processing continues from Figure 20:
Change PIN (2).
19.13. The PIN pad checks how many times an attempt has been made to change the PIN
during this transaction. If the number of PIN tries has exceeded a reference data limit
then processing continues from 19.14
Otherwise, processing continues at step 19.21.
19.14 The process Remove Card, Figure 5a, is performed.
19.15 The process End Command Processing, Figure Sc, is performed.
19.16 The counter displays screen EB17 Yoo Many PIN Retries (see 5.1.17). When the clerk
presses the continue button on EB17 then the counter returns to the Serve Customer
Menu.
19.17. The PIN pad sends an STA 6 command to the counter signifying that the customer has
aborted the operation. Processing continues from Figure 22: Customer Cancel.
19.18 Screen 3 (see 7.1.3) allows the clerk to abandon the transaction. If the clerk cancels by
pushing the cancel button then processing continues at 19.19.
19.19 The process Remove Card, Figure 5a, is performed.
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19.20 The process End Command Processing, Figure Sc, is performed.
The transaction ends and the counter returns to the Serve Customer Menu.
19.21 The PIN pad sends an STA A command to the Counter signifying that the Change PIN
transaction is being repeated.
19.22 The counter checks whether this is the last Change PIN attempt, if not then processing
continues at step 19.23, otherwise, processing continues at step 19.24.
19.23 Counter displays screen EB19 Change PIN Retry (see 5.1.19). Processing continues
from 19.3.
19.24 Counter displays screen EB20 Change PIN Last Try (see 5.1.20). Processing continues
from 19.3.
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Version: 2.0
Date: 21-April-2005
Change
PIN Q)
2
0d SY
x Fallback to I
S MSR,
Sr
1 50m 1
Uy paectoms 4
1 ARQ
F903 N
7 Seceen EBPI
Process
Go on-line and
wait for
1 20.14 i
1 PINpad beeps 4
for 15 seconds
ae Aomany
(7 Seveen EBPIS
Remove and
handover cand 7
eee
1 STA 5 message
1 won 1
AAW“ Fratvack to
.
S MSR?
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1 70
I PIN pad retums
1 AAC tothe
- =e -1
W:
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Jo PIN pad.
7 10 ~N
7 Screen EBP9
\Decined
20.11
nn EBLS
Decline
20.12
Remove
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i
20.13,
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Processing
End
Figure 20: Activity Flows for EMV Banking - Change PIN (continued)
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Notes for Figure 20
20.1
20.2
20.2a
20.3
20.4
20.5
20.6
20.7
20.8
20.8a
20.9
20.10
20.11
20.12
20.13
20.14
20.15
20.16
If the action analysis phase of the PIN pad operation reveals a failure then processing
continues at 20.8.
If fallback to MSR is required processing continues from 20.14. (This is a rare event
but has to be catered for).
When the PIN is successfully entered and action analysis does not reveal a failure then
the PIN pad returns an ARQ message to the counter: this message includes the old and
new PIN blocks.
PIN pad displays screen EBP11 Processing: Please wait’ (see 5.2.11).
Step removed”.
Step removed.
The counter displays screen 5 (EMV) - Waiting for Authorisation (see 5.1.22).
The system goes online to the financial institution for authorisation and waits for a
response.
Processing continues from Figure 21: Process Change PIN.
If fallback to MSR is required processing continues from 20.14. (This is a rare event
but has to be catered for).
The PIN pad sends an AAC command to the counter.
The counter sends an ACK message to the PIN pad.
The PIN Pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
The counter displays the EB14 screen (see 5.1.14) showing a transaction declined
message.
The Remove Card process is performed — Figure Sa.
The End Command Processing process Figure Sc is performed.
The Counter returns to the Serve Customer Menu.
The PIN pad beeps for 15 seconds until the card is removed or until the clerk touches
OK on the EB12 screen (see 5.1.12) in step 7.1.
PIN pad displays screen EBP18 Remove and handover card (see 5.2.27)
The PIN pad sends an STA 9 command to the counter indicating an MSR fallback
scenario.
Processing continues from Fallback Processing in Figure 7.
2 Currently the system displays 2 screens instead of one: the first contains “Processing” the second contains
“Please Wait” — PC0108611.
® Steps 20.4 and 20.5 previously concerned the passing of TLV and TDR messages between the counter and
the PIN pad: steps were removed from main processing flow to improve performance.
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torre IK
Proce AyitGrisation respogse Force a local
ge received decision by setting]
IN rN fai
13
- == and pass to
t-ak=5 =e
1 PINpad
J proeesses 71
— sponse S>
Yo faeae So 2825
S grGenag 7 ~ Response ca
Nv tor
Y ent N
Sard removed >
J Swe eT Send ACK.
arietian a Send ACK command to
22a N ;
F secon t0P20 } command 10 PIN pad
/ Secon EDP ommand
Cancelled -
aa? ur ]
i‘. 7 Secon EBPT mmeny ae
17 UBT 7 Cancelled 7 Screen EBP yy Screen EBPIO
I PIN pad sends wemovecand 7 y Declined \ Approved
1 STA6 command 1 ‘emovecau 7 ‘wemovercaul 7
- hepa 1
21.28 ors screen
see Counter sends Sereen EBM
vereen ES TLY Command
io DIN pad
Sarre I
I pinpad sends 4
IEDR tothe county
219
21.32 ~ Approved
Renee i Remove Cad
Cas Card T
i i
21.33 21.10
bind Conan 2121 fend Comman
2.11
Set reccipt text to
PIN changed
rhs TS
Set receipt text to N Sereen 14
PIN may have 71.23 Prin customer
changed Set receipt text to
PIN not changed
q ne
TIF Commit
Screen 14 transaction
Print customer taspck
End
Figure 21: Activity Flows for EMV Banking — Process Change PIN
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Notes for Figure 21
21.1 Ifan authorisation response is not received from the FI within a 30 second timeout
period then the transaction will be declined irrespective of the action taken by the
financial institution. A reversal will then role back the transaction.
(The PIN pad will decline the transaction if the customer pushes the cancel button or
the card is removed too early).
21.2 The counter processes the authorisation response and passes the result to the PIN pad.
There is no fee for changing PIN.
21.3. The PIN pad then processes the authorisation response. If authorised the PIN pad may
generate a TC response and return this back to the counter. However if a problem is
discovered in the action analysis phase then the PIN pad may generate an AAC decline
and send this back to the counter.
21.3a Ifthe EMV transaction has failed at second GenAC processing continues from 21.3b:
this may be for one of the following reasons:
e the customer has cancelled the transaction possibly by removing the card too
early
e the PIN pad has some other reason for rejecting the transaction
Otherwise, processing continues from 21.4.
21.3b Ifthe card has been removed from the PIN pad processing continues from 21.27a.
Otherwise, processing continues from 21.27.
21.4 Ifthe response is TC the transaction is fully approved and processing continues from
21.5. Otherwise, the transaction has been declined and processing continues at 21.15.
21.5 The counter sends an ACK back to the PIN pad acknowledging the TC.
21.6 The PIN pad displays screen EBP10 Approved: Remove Card (see 5.2.10).
21.7 Step removed".
21.8 Step removed.
21.9 The Approved Remove Card process, Figure 5b, is performed.
21.10 The End Command Processing process, Figure Sc, is performed.
21.11 The counter sets up the receipt text to show that the PIN has successfully changed
(message RTS1).
21.12 The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed.
21.13 The transaction is committed to the stack. The transaction ends and the counter
returns to the Serve Customer Menu.
21.15 The counter sends an ACK back to the PIN pad acknowledging the AAC.
* Steps 21.7, 21.8, 21.18, and 21.19 connected with TLV and TDR messages have been removed as the
result of performance improvements to the main paths. However steps 21.30 and 21.31 remain.
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21.16
21.17
21.18
21.19
21.20
21.21
21.22
21.23
21.24
21.25
21.26
21.27
The PIN pad displays screen EBP9 Declined: Remove Card (see 5.2.9).
The counter displays screen EB14 Decline (see 5.1.14).
Step removed".
Step removed.
The Remove Card process, Figure Sa, is performed.
The End Command Processing process, Figure Sc, is performed.
If the [A3] was not received in a timely fashion then no response has been received
from the Financial Institution and thus the result of the PIN change operation may be
in doubt so processing continues at 21.25.
The counter sets up the receipt text to show that the PIN was not successfully changed
(message RTS2).
The counter displays screen 14 Printing receipt (see 7.1.11) whilst the customer’s
receipt is printed. Processing continues from Figure 23: Decline.
The counter sets up the receipt text to show that the PIN may have changed (message
RTS53). Processing continues from 21.24.
If an authorisation response is not received from the FI with in a 30 second timeout
period then the transaction will be declined irrespective of the action taken by Financial
Institution: the counter generates an Authorisation message with a Response Code
indicating that a failure has occurred. We have no way of knowing what that outcome
was. We will produce a receipt which describes this situation. (The PIN pad will
decline the transaction if the customer pushes the cancel button or the card is removed
too early).
Processing continues from 21.2.
The PIN pad displays screen EBP7 Cancelled Please Remove Card (see 5.2.7).
Processing continues from 21.30.
21.27a The PIN pad displays screen EBP20 Cancelled (see 5.2.29).
21.28
21.29
21.30
21.31
21.32
21.33
The PIN Pad sends an STA 6 command to the counter indicating a card removal
during the authorisation process
The counter displays screen EB4 Transaction Cancelled by Customer (see 5.1.4).
The counter solicits EMV tag data from the PIN pad using the TLV command.
The PIN Pad returns the requested data to the counter using the TDR command.
The process Figure 5a: Remove Card is performed.
The process Figure Se: End Command Proc
‘sing is performed.
As a [CO] is possibly required and as the correct receipt text is required to inform the
customer of the outcome then processing continues at 21.22.
*! Steps 21.7, 21.8, 21.18, and 21.19 connected with TLV and TDR messages have been removed as the result
of performance improvements to the main paths. However steps 21.30 and 21.31 remain.
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2.3.6 Cancel of a transaction
This is marked as transaction flow “Decline”.
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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Custom
cancel,
“<1
--s7
' Customer
1 selectseoncel!
7
I PIN pad sends I
1 STAG
—tothegounter
creen EBS
Cancelled
DcBds ¥ DTA,
<_cardin “> Sereen EBP7 }
mer \ cancelled 7
Rs. 2.8
/ Screen EBP20 } Remove
Cancelled 7 Card
22.6 29
;nd Commany nd CommanI
Processing Processing
End End
Note: The clerk or customer can press the cancel button
to end the transaction at any point between card
insertion and PIN entry. Before the card is inserted or
after the PIN entry is completed the Cancel button is,
ignored. Please refer to tables in each PIN pad screen in
section 5.2 and Annexe A for more details of Function
keys
Figure 22: Cancel Flows for EMV Banking
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Notes for Figure 22
22.1 The customer has either selected the cancel button or removed their card from the PIN
pad.
22.2 The PIN pad sends an STA 6 to the counter. This indicates that the customer has
cancelled the transaction.
22.3. The screen EB4 (see 5.1.4) is displayed to inform the clerk that a cancel has occurred
and the transaction is being aborted.
22.4 If the card is still in the PIN pad then an attempt to have it removed will follow and
processing continues at 22.7.
22.5 The PIN pad displays the screen EBP20 Cancelled (see 5.2.29).
22.6 The process Figure 22: End Command Processing is performed. The counter returns
to the Serve Customer Menu.
22.7 The PIN pad displays the screen EBP7 Cancelled Please Remove Card (see 5.2.7).
22.8 The process Figure 5a: Remove Card is performed.
22.9 The process Figure 5¢: End Command Processing is performed.
The counter returns to the Serve Customer Menu.
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2.4 Decline/Failure responses
2.4.1 Decline of a transaction
This is marked as transaction flow “Decline”.
Please note that if the Card has been removed, then even if the Financial Institution has issued
an approval for the transaction, the PIN pad will be unable to return a TC, and the transaction
fails.
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23.1
Card to be
23.8
Write [CO]
reversal
23.80
Amount
onsistenI
23.9
Help desk
aa I
Clerk specifies
fcard.cetained
f 23.78 \ —i I
Screen 7 Clerk specifies
\pssine Sey) ifcardretained
Y / 2.2 \ —sk I
23.6
System records
card retained
Screen 7 Clerk
Yecline Screen} knowledg,
Do Not call Clerk
Help Desk kul
—sir]
Clerk
cknowled,
[3316
Screen 12
Tear off
message
3.18 System set
Transaction valu
to zero
¥
23.19
Print customer
Slip screen 14
ee
23.20
‘ransaction add
To stack
Figure 23: Decline Flows for EMV Banking
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Notes for Figure 23
23.1 System checks response from Financial Institution to see whether card is to be
retained.
If the card is not to be retained processing continues from 23.7.
23.2 If the card is the be retained counter displays screen 9 Retain Card (see 7.1.8).
23.3 Removed: (PIN pad message to give card to assistant for retention)
23.4 Clerk specifies whether card is retained or not
23.5 If card is retained processing continues from 23.6
Otherwise, processing continues from 23.18.
23.6 The system records that card is retained processing continues from 23.18
23.7 The system checks whether there has been a decline from the Financial Institution and
if there has, processing continues from 23.7a. Otherwise, processing continues from
23.8.
23.7a The counter displays screen 7 (see 7.1.6) with the appropriate error (see section 6.2.2)
23.7b The clerk acknowledges the message and processing continues from 23.18.
23.8 Counter records a [CO] to message store as a reversal
23.8a The system checks for amount anomalies between the request message and the
authorisation message:
= inthe case of Withdraw or Deposit transactions the amounts must be the
same: (effectively the system checks the Auth response set by steps 12.26 /
16.28, as appropriate)
= in the case of a Withdraw Limit transaction the authorised amount must not be
greater than the maximum value permitted in reference data: (effectively the
system checks the Auth response set by step 14.26).
If they are no anomalies processing continues from 23.9. Otherwise, processing
continues from 23.8b to display that the amounts are different on screen 7.
23.8b The counter displays screen 7 (see 7.1.6) with the appropriate error (Response code 52
/ 53 - see section 6.2.2).
23.8c The clerk acknowledges the message and processing continues from 23.18
23.9 Ifa Help desk call is required then processing continues from 23.12.
23.10 Otherwise, counter displays screen 10 (see 7.1.9) telling the clerk NOT to call the Help
desk: see section 6.2.3 for possible messages that can appear on screen 10.
23.11 Clerk acknowledges the message and processing continues from 23.18.
23.12 Counter displays screen E8 (see 7.2.3) telling the clerk to call the Help desk.
23.13 Ifthe clerk chooses to print out the error message processing continues from 23.15.
23.14 Otherwise, clerks touches the continue option and processing continues from 23.18.
23.15 Counter prints error message from screen E8.
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23.16 Counter displays screen 12 Tear off Error Message Instruction (see 7.1.10).
The clerk acknowledges and processing continues from 23.18.
23.18 The system sets the transaction value to zero.
23.19 The system prints the customer slip.
23.20 The transaction is added to the stack.
End of transaction — return to Serve Customer Menu.
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3 Receipts
There will be no Outlet receipts produced, only a Customer receipt.
The proposed changes shown below are subject to confirmation by PO Ltd and, through them,
the appropriate financial institutions/issuers.
The following are described:
e 3.1 EMV Banking Receipts: Generic Layout
© 3.2 Balance Enquiry — Customer Copy
© 3.3 Cash/Cheque Deposit or Cash Withdrawal Receipt — Customer Copy
e 3.4 Change PIN Request.
When the layouts shown below are agreed they will be incorporated into SD/DES/005
Horizon OPS Reports and Receipts which will become the master definition.
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NB/PRP/004
2.0
21-April-2005
3.1 EMV Banking Receipts: Generic Layout
3.1.1. Generic EMV Banking Customer Copy Receipt Layout
The following layout and generic header and footer is used for all EMV Banking customer
copy receipts printed on the counter printer.
English text
1 2 3 4
123456789012345678901234567890123456789012
Header 01
Body 15
Footer = 17+n
Post Office Ltd.
Your Receipt
dd/mm/yyyy hh:mm:ss CAP:ca BP:bp SU:sun
e00000000000000000000000000000FAD: 123456X
address 1
address 2
address 3
address 4
address 5
postcode
message
title
receipt-specific details
Please retain for future reference
This is not a VAT receipt
1 2 3 4
123456789012345678901234567890123456789012
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COMMERCIAL '(ONFIDENCE Date: 21-April-2005
Welsh/English text
1 2 3 4
123456789012345678901234567890123456789012
Header 01 Swyddfa’r Post Cyf.
02 Post Office Ltd.
03 Eich Derbynneb
04 Your Receipt
05
06 dd/mm/yyyy hh:mm:ss CAP:ca BP:bp SU:sun
07 ee00000000000000000000000000000FAD: 123456X
08 address 1
09 address 2
10 address 3
11 address 4
12 address 5
13 postcode
14 message
15 title
Body 16 receipt-specific details
17+n
Footer 18+n
19+n I Cadwch i gyfeirio ati, os gwelwch yn dda
20+n Please retain for future reference
2l+n Nid derbynneb TAW yw hon
22+n This is not a VAT receipt
23+n
T 2 3 4
123456789012345678901234567890123456789012
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Header and Footer
Field Name English Welsh/Englis I Lengt I Contents
h h
Line I Char I Line I Char
No. I Pos’n I No. I Pos’ns
s
Welsh 01 - - Blank.
Header 01 I 13-31 I 19 I ‘Swyddfa'r Post Cyf”.
English 02 I 14-29] 02 I 14-29 I 16 ‘Post Office Ltd.’
Header
Welsh Text - - - Suppressed.
03 15-28 I 14 ‘Eich Derbynneb’.
English Text I 03 16-27 I 04 16-27 I 12 ‘Your Receipt’.
Date 05 01-19 I 06 01-19 I 19 Date and time:
dd/mm/yyyy hh:mm:ss
CAP 05 I 26-27 I 06 I 26-27 Current CAP: ca
BP 05 33-34 I 06 33-34 Current Balance Period: bp
SU 05 I 40-42 I 06 I 40-42 Stock unit: sun
Office Name I 06 01-30 I 07 01-30 I 30 Branch name, up to 30
characters: (000...)
FAD 06 I 36-42) 07 I 36-42 I 7 Office (FAD) code: fffffff
Address 07- I 01-40 I 08- I 01-40 I 40 Branch address: a variable
1,2,3,4,5 11 12 number of lines up to a
maximum of five.
Postcode 12 01-08 I 13 01-08 I 8 Branch postcode: pppp ppp
Message 13 01-42 42 Blank or ‘DUPLICATE’
14 01-42 I 42 Blank or ‘DYBLYGIAD
/DUPLICATE.
Title 14 01-42 I 15 01-42 I 42 Centred fixed text, receipt-
specific.
Footer 18+ I - Blank.
n
19+ I 02-39 I 38 ‘Cadwch i gyfeirio ati, os
n gwelwch yn dda’.
19+ I 05-38 I 20+ I 05-38 I 34 ‘Please retain for future
n n reference’.
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20+ I - Blank.
n
21+ I 09-32 I 24 ‘Nid derbynneb TAW yw
n hon’.
21+ I 09-33 I 22+ I 09-33 I 25 ‘This is not a VAT receipt’.
n n
The header and footer are common to all EMV Banking customer copy receipts, with the
exception that the ‘Please retain for future reference’ footer line and its Welsh equivalent are
omitted on the Change PIN Request.
Body
The body section is receipt-specific as shown in the following sections.
3.1.2 Receipt Outcome Messages
The message printed in the ‘Outcome message’ field of the customer copy receipt is
dependent on a number of circumstances, as shown in the following table.
Transaction I Verification I Authorisation Outcome Messa
Status ge Ref.
All PIN Declined — Impound Clerk confirms that the card I RTO9
Card has been retained.
Clerk confirms that the card I RT10
has not been retained
All except PIN Authorised OK Matched. Fee accepted RTO7
Balance Enquiry —Additional Fee -
and Change PIN Fee refused RTOS
All except Cash/ PIN Declined — PIN blocked I FI declined RT28
Cheque Deposit
and Change PIN
All except PIN Declined — Transaction FI declined RTI7
Change PIN not supported
Declined — Other FI declined RT18.
Failed by NBE System/network failure RT20
Failed by Agent System/network failure RT21
Failed by/at Counter System/network failure RT22
(timeouts)
Failed by/at Counter System/network failure RT27
(other)
Balance Enquiry, I PIN Authorised OK — No Fee I Approved by FI RT04
Cash Withdrawal, Declined — Incorrect PIN I Invalid PIN entered RTI
Withdraw Limit
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(no balance)
Declined — Usage Fl declined RT15
Violation (frequency)
Cash/Cheque PIN Authorised OK — No Fee I Approved RTOS
Deposit Clerk declined RT06
Cash/Cheque PIN Authorised OK Declined — authorised RT25
Deposit, Cash amount differs from
Withdrawal requested amount
Cash Withdrawal I PIN Declined — Usage FI declined RT16
Violation (Amount)
Cash Withdrawal I PIN Declined — Insufficient FI declined (no balance) RT13
Funds
Cash Withdrawal I PIN
Declined — Insufficient
FI declined (balance will be I RT14
(with balance), Funds printed)
Withdraw Limit
Change PIN only I PIN Authorised OK — PIN Authorised by FI RTS1
Change successful
PIN Change declined by I Decline response from RTS2
FI FI/NBE
PIN Change declined by I ? RTSO.
NBE
Unknown PIN Change
outcome
No response from FI/NBE RT53
Declined — PIN blocked I FI Declined RT54
Declined — Incorrect PIN I Decline response from RTSS
FI/NBE
Withdraw Limit PIN Authorised OK Declined — authorised RT26
amount greater than
maximum
All PIN Authorised OK Declined — The transaction I RTS6
has been declined by the
customer’s card.
All PIN Authorised OK Declined — The customer RT06
cancelled the transaction.
Key:
FI = Financial Institution
NBE = Network Banking Engine
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Outcome Message Text
The text of the outcome message printed on the receipt is as follows (word wrap as shown):
Exceeded maximum number of allowable
daily transactions. You may wish to
contact the card issuer.
Mess. I Message Text - English Message Text - Welsh/English
Ref.
RT04, I *** AUTHORISED *** *** AWDURDODWYD/AUTHORISED ***
RTOS
R125, I *** DECLINED *** *** GWRTHODWYD/DECLINED ***
R126
RT06 I *** DECLINED *** +04 GWRTHODWYD/DECLINED ***
Transaction cancelled. Diddymwyd y gweithrediad.
Transaction cancelled.
RT07._ I *** AUTHORISED *** *4%* AWDURDODWYD/AUTHORISED ***
The Post Office has not charged you for I Dydy Swyddfa’r Post ddim wedi codi tal
this transaction. The card issuer has arnoch am y gweithrediad hwn. Mae
charged you £29.99. dyroddwr y cerdyn wedi codi £29.99
arnoch.
The Post Office has not charged you for
this transaction. The card issuer has
charged you £29.99.
RTOS I *** DECLINED *** *** GWRTHODWYD/DECLINED ***
Fou have pot Peen charged for this Ni chafodd tAl ei godi arnoch am y
Fansack ton. gweithrediad hwn.
You have not been charged for this
transaction.
RT09 I *** DECLINED *** *+% GWRTHODWYD/DECLINED ***
The card has been retained. Cafodd y cerdyn ei gadw.
You may wish to contact the card issuer. I Efallai yr hoffech gysylltu 4 dyroddwr y
cerdyn.
The card has been retained.
You may wish to contact the card issuer.
RTIO. I *** DECLINED *** *** GHRTHODWYD/DECLINED ***
The card has been returned. Cafodd y cerdyn ei ddychwelyd.
You may wish to contact the card issuer. I Efallai yr hoffech gysylltu 4 dyroddwr y
cerdyn.
The card has been returned.
You may wish to contact the card issuer.
Ril I *** bechinep = *** GWRTHODWYD/DECLINED ***
Incorrect PIN supplied. You may retry. I pncaawyd PIN anghywir. Gallwch
ailgynnig.
Incorrect PIN supplied. You may retry.
RTI3. I *** DECLINED *** **%* GWRTHODWYD/DECLINED ***
Insufficient funds. Arian annigonol.
Insufficient funds.
RTI4 I *** DECLINED *** *** GHRTHODWYD/DECLINED ***
Insufficient funds. Arian annigonol.
Please check your balance. Ewch dros eich balans, os gwelwch yn
dda.
Insufficient funds.
Please check your balance.
RTS I *** DECLINED *** *** GHRTHODWYD/DECLINED ***
Rydych wedi cwblhau’r holl weithrediadau
a ganiateir mewn diwrnod. Efallai yr
hoffech gysylltu 4 dyroddwr y cerdyn.
Exceeded maximum number of allowable
daily transactions. You may wish to
contact the card issuer.
© The word wrap of the sentence containing £%Amount% depends on the amount value of the transaction.
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Incorrect PIN supplied. The PIN has not
been changed. You may retry.
RTI6® I *** DECLINED *** **4 GWRTHODWYD/DECLINED ***
Amount £%Amount% has exceeded daily card I Mae’r swm yn ormod ar gyfer uchafswm
Limit. dyddiol y cerdyn.
You may wish to contact the card issuer. I Efallai yr hoffech gysylltu a dyroddwr y
cerdyn.
Amount £4Amount® has exceeded daily card
limit.
You may wish to contact the card issuer.
RTI7, I *** DECLINED *** *** GHRTHODWYD/DECLINED ***
RTIg. I You may wish to contact the card issuer. I Efallai yr hoffech gysylitu a dyroddwr y
cerdyn.
You may wish to contact the card issuer.
RTI9, I *** DECLINED *** *** GWRTHODWYD/DECLINED ***
RT20, I Unable to complete the transaction. Yn methu cwblhau'r gweithrediad.
Ri21. I S°xzy for any inconvenience caused. Ymddiheurwn am unrhyw drafferth.
RD? Unable to complete the transaction.
RD? Sorry for any inconvenience caused.
RT24 *** DECLINED *** *** GWRTHODWYD/DECLINED ***
The card has been returned. cafodd y cerdyn ei ddychwelyd.
The card has been returned.
RI28 I *** DECLINED *** *+ GHRTHODWYD/DECLINED ***
The PIN is now blocked. You may wish to I Cafodd y PIN ei atal nawr. Efallai yr
contact the card issuer. hoffech gysylltu & dyroddwr y cerdyn.
The PIN is now blocked. You may wish to
contact the card issuer.
RISO. I *** DECLINED *** ¥+* GWRTHODWYD/DECLINED ***
The PIN has not been changed. Ni chafodd y PIN ei newid.
You may wish to contact the card issuer. I Efallai yr hoffech gysylltu & dyroddwr y
cerdyn.
The PIN has not been changed.
You may wish to contact the card issuer.
RTS] I *** AUTHORISED *** ¥+* ANDURDODWYD/AUTHORISED **#
Your PIN has been successfully changed. I Cafodd eich PIN ei newid yn
liwyddiannus.
Your PIN has been successfully changed.
RTS2 I *** DECLINED *** *** GWRTHODWYD/DECLINED ***
The PIN has not been changed. Ni chafodd y PIN ei newid.
You may wish to contact the card issuer. I Efallai yr hoffech gysylltu a dyroddwr y
cerdyn.
The PIN has not been changed.
You may wish to contact the card is
RTS3. I *** DECLINED *** ++ GHRTHODWYD/DECLINED ***
PIN change request not confirmed. It is I Ni chadarnhawyd y cais i newid y PIN. Ni
not known if the PIN has been changed. I wyddom a yw'r PIN wedi newid. Efallai yr
You may wish to contact the card issuer. I hoffech gysylltu 4 dyroddwr y cerdyn.
PIN change request not confirmed. It is
not known if the PIN has been changed.
You may wish to contact the card issuer.
RIs4 I *** DECLINED *** ¥+* GWRTHODWYD/DECLINED ***
The PIN has not been changed. Current Ni chafodd y PIN ei newid. Cafodd y PIN
PIN is blocked. You may wish to contact I cyfredol ei atal. Efallai yr hoffech
the card issuer. gysylltu & dyroddwr y cerdyn.
The PIN has not been changed. Current
PIN is blocked. You may wish to contact
the card issuer.
RTSS I *** DECLINED *** +++ GWRTHODWYD/DECLINED ***
Rhoddwyd PIN anghywir.
ei newid.
Ni chafodd y PIN
Gallwch ailgynnig.
PIN supplied. The PIN has not
been changed. You may retry.
Incorrect
© The word wrap of the sentence containing £%Amount% depends on the amount value of the transaction.
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Page: 115 of 213
Without Prejudice and Subject to Contract
FUJ00001932
FUJ00001932
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref: NB/PRP/004
Version: 2.0
Date: 21-April-2005
RTS6
*** DECLINED *4*
The transaction has been declined by the
customer's card.
*** GWRTHODWYD/DECLINED ***
Gwrthodwyd y gweithrediad gan gerdyn y
on has been declined by the
ard
3.1.3 Balance Type Text
The text of the balance type printed on the receipt is as follows:
Bal. Balance Type — English Text Balance Type - Welsh Text
Type
Code
00 (Unknown)
Ol Account balance Balans y cyfrif
02 ‘Account available balance Balans ar gael yn y cyfrif
03 Amount owing Swin dyledus
04 Amount due Swm dyledus
05 Account available credit Credyd ar gael yn y cyfrif
16 Credit line Llinell greayd
20 Amount remaining this cycle Swm sy'n weddill y cylch hwn
40 Amount cash Swm arian parod
56 Hold amount Cyfanswm cynnal
57 Pre-authorised amount Swm rhagawdurdodedig
58 Authorised amount Swim awdurdodedig
90-99 (Reserved for future use)
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Page: 116 of 213
Without Prejudice and Subject to Contract
FUJ00001932
FUJ00001932
FUJ00001932
FUJ00001932
Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
3.2 Balance Enquiry — Customer Copy
3.2.1 Purpose
This is the customer record of the session.
3.2.2 Frequency
Per EMV Banking transaction within a customer session.
The data shown in the examples is illustrative only —
the exact text can change, and so differ from that in the examples.
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 117 of 213
Without Prejudice and Subject to Contract
FUJ00001932
FUJ00001932
Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
3.2.3 Layout and Example Content
English text
1 2 3 4
123456789012345678901234567890123456789012
o1
02 Post Office Ltd.
03 Your Receipt
04
05 I17/01/2002 11:47:22 CAP:01 BP:01 SU:SH1
06 I Feltham Post Office FAD: 123456xX
07 IF
os
09
10
11
12
13
14 Your Balance Details
15 I Visa
16 ICard Number: **** #*** #*** Pppp Issue: nnn
17 I Auth Code: nnnnnn
18 I Application ID: aaaaaaaaaaaaaaaa
19 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
20 I Transaction ID: nnnnnnnnnnnnnnnnnannnnnnnn
21
22) I wuwuuzuuuuzuuuuuuuuuuuuuUUUUUUUUUUUUUL
23 I wuuuuzuuuwuuuuuuuuuuuuuUUUUUUUUUUUUUE
24 I wuwuuzuuuuuuuuuuuuuuuuuuuUuUuUUUUUUU
250 I wuguuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuUUE
26 I wuvuuzuuuuzuuuuuuuuuUUUUUUUUUUUUUU
27 I wuguuzuuuuzuuuuuuuuuuuuuUUUUUUUUUUU
28 I wuwuuuuuuuuuuuuuuuuUUUUUUUUUUUUUUUUUU
29 I wuguuzuuuuuuuuuuuuuuuUUUUUUUUUUUUUUUUE
30 I bbbbbbbbbbbbbbbbbbbbbbbbbb£ 9999999999. 99DR
31 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
22 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
33 I bbbbbbbbbbbbbbbbbbbbbbbbbbé. 9999999999. 99DR
34
35 I £EELELELLELELLLLEL LLL EL LLL EL LLL EL ELLELEL
36 I £fffffELLELELLELELLLLELELfererferefreret
37
38
39 Please retain for future reference
40
41 This is not a VAT receipt
42
T 2 3 4
123456789012345678901234567890123456789012
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 118 of 213
Without Prejudice and Subject to Contract
FUJ00001932
FUJ00001932
Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
Welsh/English text
1 2 3 4
123456789012345678901234567890123456789012
01 Swyddfa’r Post Cyf.
02 Post Office Ltd.
03 Eich Derbynneb
04 Your Receipt
05
06 I 17/01/2002 11:47:22 CAP:01 BP:01 SU:SH1
07 FAD: 123456x
08
09
10
11
12
13
14
15 IManylion Eich Balans/Your Balance Details
16 I Visa
17 =I Rhif Cerdyn: Cyhoeddiad:
18 ICard Number: **** **** *#*** pppp Issue:nnn
19 I Cod Awdurdodi:
20 I Auth Code: nnnnnn
21 I ID Cais:
22 I Application ID: aaaaaaaaaaaaaaaa
23 Io: Diweddu: Rhif Cyf PAN:
24 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
25 I ID y Gweithrediad:
26 Ifransaction ID: nnnnnnnannnnnnnnnnnnnnnnnn
27
28 I quguuuuuuuuuuuuZuuuuuuUUUUUUUUUUUUUUUUUU
29 I guguuuuuwuuuauuuuuuuuuUuuUUUUUUUUUUUUUL
30 I guguzuauuuauauZuuuuUUUUUUUUUUUUUUUUUU
31 I quguzuzuuuuauauuuuuuuuuuuUUUUUUUUUUUUUU
32) I uuuuuuuuuuuuuuuUuUuUUUUUUUUUUUUUUUUUUUUUUUUU
33) I guguuuuuuuuauauuuuuuuuUUEUUUUUUUUUUUUUU
34 I guguuuuuuuuauauuuuuuuuuuuuuUUUUUUUUUUUUU
350 I guauuuuuuuuauausuuuuauuuuuuuuuuuUUUUUUUU
36 I www
37 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
38 I wewwwwwwHwHH WH
39 I bbbbbbbbbbbbbbbbbbbbbbbbbb£ 9999999999. 99DR
40 I wewwwwwwHwwWwH WWW
41 I bbbbbbbbbbbbbbbbbbbbbbbbbb£ 9999999999. 99DR
42 I wew www www
43 I bbbbbbbbbbbbbbbbbbbbbbbbbb£ 9999999999. 99DR
44
45 I £££f£fLELELLLLELELELLLLELELELELLELELELEL
46 I ££ffffLELLELELELELLLLELLLELLLLELELEL ELLE
47
48 I Cadwch i gyfeirio ati, os gwelwch yn dda
49 Please retain for future reference
50 Nid derbynneb TAW yw hon
51 This is not a VAT receipt
52
T 2 3 4
123456789012345678901234567890123456789012
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 119 of 213
Without Prejudice and Subject to Contract
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref:
Version:
Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
Field Name
English
Welsh/Englis
h
Line
No.
Char
Pos’n
s
Line
No.
Char
Pos’ns
Lengt
h
Contents
Title
14
12-31
21-31
20
‘Your Balance Details’.
15
01-41
41
“Manylion Eich
Balans’/Your Balance
Details’.
Issuer
Scheme
name
15
01-30
16
01-30
30
Issuer Scheme name. For
cards processed by the
PIN pad this field is
obtained from the
application label from the
chip. For MSR the field will
be derived from Reference.
data
Card Number
16
14-32
18
14-32
19
Obscured PAN (only last
four digits shown,
remaining digits replaced
by asterisks): formatted
with spaces if a 16-digit
PAN, unformatted if any
other length.
Issue
Number
16
40-42
18
40-42
Obtained from card: not
always present
Authorisation
code
17
12-17
20
12-17
Authorisation code from
Financial Institution
Application
ID
18
17-32
22
17-32
16
Application Identifier is
obtained from the PIN pad
when setting up the [C1]
ICC data
From Date
19
71
24
7-1
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
Expiry Date
19
22-26
24
22-26
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 120 of 213
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref:
Version:
Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
PAN
Sequence
Number
19
41-42 [24 I 41-42 [2
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
Transaction
ID
20
17-42 I 26 17-42 I 26
Unique system-generated
transaction identifier
(nnn...).
Outcome
message
22-
29
01-42 I 28-
35
01-42 I 42
Transaction outcome
message (uuu... up to 8
lines), suppressed if blank.
Note that this is the
maximum number of lines
available for the message,
whether it consists of
English or Welsh/English
text.
Balance
Information
36, I 01-26 I 26
Welsh translation of the
following line’s bbb
(www..., up to 4 lines) if
provided, or suppressed.
e.g. ‘Balans ar gael yn y
cyfrif’.
30-
01-42 I 37, I 01-42 I 42
Balance Information (up to
4 lines) if provided, or
suppressed. Formed from
Balance Type (bbb...), e.g.
‘Account available
balance’, which is left
aligned, and the amount in
the format £9999999999.99
which is right aligned.
Overdrawn amounts are
suffixed by ‘DR’.
Repeated for each balance
provided.
Free text
footer
35,
36
01-40 I 45, I 01-40 I 40
46
Free text (fff..., up to 2
lines) if provided, or
suppressed.
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 121 of 213
FUJ00001932
FUJ00001932
Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
3.3 Cash/Cheque Deposit or Cash Withdrawal Receipt —
Customer Copy
3.3.1 Purpose
This is the customer record of the session.
3.3.2 Frequency
Per EMV Banking transaction within a customer session.
The data shown in the examples is illustrative only —
the exact text can change, and so differ from that in the examples.
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 122 of 213
Without Prejudice and Subject to Contract
Fujitsu Services EMV Banking Ref:
User Interface Design Proposal Version:
COMMERCIAL PE
CONFIDENCE Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
3.3.3 Layout and Example Content
English text
1 2 3 4
123456789012345678901234567890123456789012
02 Post Office Ltd.
03 Your Receipt
05 I 17/01/2002 11:47:22 CAP:01 BP:01 SU:SH1
06 I Feltham Post Office FAD: 123456x
14 title
15 I Visa
16 ICard Number: **** *#*** #*** pppp Issue: nnn
17 I Auth Code: nnnnnn
18 I Application ID: aaaaaaaaaaaaaaaa
19 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
20 I Transaction ID: nnnnnnnnnnnnnnnnnannnnnnnn
22 I Amount: £9999999999.99
24 I wuuuuuuuuuuuuuUuUuUUUUUUUUUUUUUUUUUUUUUUUUUU
25 I uuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuUUuUUUUU
26 I wuuuuuuuuuuuuuUuUuUUUUUUUUUUUUUUUUUUUUUUUUUU
27) I wuuuuuuuuuuuuuuuUUUUUUUUUUUUUUUUUUUUUUUUUL
28 I wuauuuuuuuuuuuuUuUUUUUUUUUUUUUUUUUUUUUUUUUUU
29 I uuuuuuuuuuuuuuUuUUUUUUUUUUUUUUUUUUUUUUUUUUU
30 I uuuuuuuuuuuuuuUuUuUUUUUUUUUUUUUUUUUUUUUUUUUL
310) I wuuuuuuuuuuuuUuUuUUUUUUUUUUUUUUUUUUUUUUUUUU
32 I bbbbbbbbbbbbbbbbbbbbbbbbbbf. 9999999999. 99DR
33 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
34 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999.99DR
35 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
37 I £fff£ffffffffrTrfrffftffffffrffffrfffffrffftfe
38 I f££f£ffffff{fffKffffffLffLfffFfffLfLKfffKfffLffffLt
39
40
41 Please retain for future reference
42
43 This is not a VAT receipt
44
1 2 3 4
123456789012345678901234567890123456789012
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 123 of 213
Without Prejudice and Subject to Contract
Fujitsu Services
EMV Banking Ref:
User Interface Design Proposal Version:
COMMERCIAL PE
CONFIDENCE Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
Welsh/English text
1 2 3 4
123456789012345678901234567890123456789012
01 Swyddfa’r Post Cyf.
02 Post Office Ltd.
03 Eich Derbynneb
04 Your Receipt
05
06 I 17/01/2002 11:47:22 CAP:01 BP:01 SU:SH1
07 FAD: 123456xX
os
09
10
11
12
13
14
15 title
16 I Visa
17 I Rhif Cerdyn: Cyhoeddiad:
18 I Card Number: *#** *#** *#** pppp Issue:nnn
19 I Cod Awdurdodi :
20 I Auth Code: nnnnnn
21 I ID Cais:
22 I Application ID: aaaaaaaaaaaaaaaa
23 Io: Diweddu: Rhif Cyf PAN:
24 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
25 I ID y Gweithrediad:
26 I Transaction ID: nannnannnnnnnnnnannannnnnnn
27
28 I Swm/Amount: £9999999999.99
29
30 I wuguuuuuuuuuuuuuuuUUUuUUUUUUUUUUUU
310 I wuwauguuuuuuuuuuuuuUuUUUUUUUUUUU
32 I guuuuuuuuuuuuuuuUuUUUUUUUUUUUUUUUUUUUUUUUUU
33) I wuwuuzuuuuzuuuuuuuuuUUUUUUUUUUUUUUUUU
34 I wuguuzuuuuuuuuuuuuuuuuuuuuUUUUUUUUUUUUE
35 I wuvuuzuuuuuuauuuuuuuuuuuuUUUUUUUUUUU
36 I auguuzuuusuuuuuuuuuuUUUUUUUUUUUUUL
37 I wuwuuuuuuuzuuuuuuuuuuuuuUUUUUUUUUUUUU
38 I wHwHWwHWHWWHWHW WWW WH
39 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
40 I wewwwwHwHWWHWHWHHWHW HH WHI
41 I bbbbbbbbbbbbbbbbbbbbbbbbbbt 9999999999. 99DR
42. I wewwwwHwHwwHWHWWH WHR
43 I bbbbbbbbbbbbbbbbbbbbbbbbbbé. 9999999999. 99DR
44 I wowwwwwwHWwHWHW WH WH HHH
45 I bbbbbbbbbbbbbbbbbbbbbbbbbbé 9999999999. 99DR
46
47 I £fff£ffffff{fffLTffffLfffLfffLfffLfffLrfLfLLfLfLle
48 I ffffftffffTffffrffLffffffffffLffLfLLffLLfLLffLL
49
50 I Cadwch i gyfeirio ati, os gwelwch yn dda
51 Please retain for future reference
52 Nid derbynneb TAW yw hon
53 This is not a VAT receipt
54
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 124 of 213
Without Prejudice and Subject to Contract
Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
1 2 3 4
123456789012345678901234567890123456789012
Field Name
English
Welsh
Line
No.
Line s
No.
Char
Pos’n
s
Char
Pos’ns
Lengt
Contents
Title
14
01-42 42
‘Cash Deposit’, ‘Cheque
Deposit’ or ‘Cash
Withdrawal’.
15 I 01-42 I 42
‘Adnau Arian Parod/Cash
Deposit’, ‘Adneuo
Siec/Cheque Deposit’ or
‘Codi Arian Parod/Cash
Withdrawal’.
Issuer
Scheme
name
15
01-30 I 16 I 01-30 I 30
Issuer Scheme name. For
cards processed by the
PIN pad this field is
obtained from the
application label from the
chip. For MSR the field will
be derived from Reference
data
Card Number
16
14-32 I 18 14-32 I 19
Obscured PAN (only last
four digits shown,
remaining digits replaced
by asterisks): formatted
with spaces if a 16-digit
PAN, unformatted if any
other length.
Issue
Number
16
40-42 I 18 40-42 I 3
Obtained from card: not
always present
Authorisation
code
17
12-17 I 20 12-17 I 6
Authorisation code from
Financial Institution
Application
ID
18
17-32 I 22 17-32 I 16
Application Identifier is
obtained from the PIN pad
when setting up the [C1]
ICC data
From Date
19
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 125 of 213
FUJ00001932
FUJ00001932
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref: NB/PRP/004
Version: 2.0
Date: 21-April-2005
Expiry Date
19
22-26 I 24 I 22-26 I 5
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
PAN
Sequence
Number
19
41-42 I 24 [41-42 [2
Obtained from Application
data from the card as read
by PIN pad: or from track 2
data if magnetic stripe card
used
Transaction
ID
20
17-42 I 26 17-42 I 26
Unique system-generated
transaction identifier
(non...).
Amount
22
09-22 I 28 13-26 I 14
12-digit amount in the
format £9999999999.99 or
zero if the transaction was
not successful.
Outcome
message
24-
01-42 I 30- I 01-42 I 42
Transaction outcome
message (uuu... up to 8
lines), suppressed if blank.
Note that this is the
maximum number of lines
available for the message,
whether it consists of
English or Welsh/English
text.
Balance
Information
38, I 01-26 I 26
Welsh translation of the
following line’s bbb
(www..., up to 4 lines) if
provided, or suppressed.
e.g. ‘Balans ar gael yn y
cyfrif.
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 126 of 213
FUJ00001932
FUJ00001932
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref:
Version:
Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
32-
01-42 I 39,
4,
43,
45
01-42 I 42
Balance Information (up to
4 lines) if provided, or
suppressed. Formed from
Balance Type (bbb...), €.g.
‘Account available
balance’, which is left
aligned, and the amount in
the format £9999999999.99
which is right aligned.
Overdrawn amounts are
suffixed by ‘DR’.
Repeated for each balance
provided.
Free text
footer
37,
38
01-40 I 47,
48
01-40 I 40
Free text (fff..., up to 2
lines) if provided, or
suppressed.
© 2004 Fujitsu Services
COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 127 of 213
Fujitsu Services EMV Banking Ref:
User Interface Design Proposal Version:
COMMERCIAL IN-CONFIDENCE Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
3.4 Change PIN Request
3.4.1 Purpose
This is the customer record of the session.
3.4.2 Frequency
Per EMV Banking transaction within a customer session.
The data shown in the examples is illustrative only —
the exact text can change, and so differ from that in the exa
mples.
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE
Without Prejudice and Subject to Contract
Page: 128 of 213
Fujitsu Services EMV Banking Ref:
User Interface Design Proposal Version:
COMMERCIAL PE
CONFIDENCE Date:
NB/PRP/004
2.0
21-April-2005
FUJ00001932
FUJ00001932
3.4.3 Layout and Example Content
English text
1 2 3 4
123456789012345678901234567890123456789012
02 Post Office Ltd.
03 Your Receipt
05 I 09/04/2002 10:47:22 CAP:02 BP:01 SU:SHI
06 I Feltham Post Office FAD: 123456X
14 Change PIN Request
15 I Visa
16 ICard Number: **** #*#* #*** pppp Issue: nnn
17 I Auth Code: nnnnnn
18 I Application ID: aaaaaaaaaaaaaaaa
19 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
20 I Transaction ID: nnnnnnnnannnnnnnnnannnnnnnn
22 I uuuuuuuuuuuuuuuuuUUUUUUUUUUUUUUUUUUUUUUUUL
23) I uuuuuuuuuuuuuuuUUUuUUUUUUUUUUUUUUUUUUUUUUUU
24 I wuauwuuuuuuuuuuuuuuUUUUUUUUUUUUUUUUUUUUUUUU
25 I wuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuUuUuUUUUUU
26 I uuuuuuuuuuuuuuUUuUUUUUUUUUUUUUUUUUUUUUUUULU
27) I wuuuuuuuuuuuuuuuUuuUUUUUUUUUUUUUUUUUUUUUUUU
28 I wwuuuuuuuuuuuuUUuUUuUUUUUUUUUUUUUUUUUUUUUUUU
29 I wuuuuuuuuuuuuUuUUUUUUUUUUUUUUUUUUUUUUUUUUUU
31 I f£f£ff£ffLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL
32 I ffffffffFfffffTffTffrfrffrfLrffffffffffffffLfL
33
34
35 This is not a VAT receipt
36
1 2 3 4
123456789012345678901234567890123456789012
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 129 of 213
Without Prejudice and Subject to Contract
Fujitsu Services
EMV Banking Ref:
User Interface Design Proposal Version:
COMMERCIAL PE
CONFIDENCE Date:
FUJ00001932
FUJ00001932
NB/PRP/004
2.0
21-April-2005
Welsh/English text
1 2 3 4
123456789012345678901234567890123456789012
01 Swyddfa’r Post Cyf.
02 Post Office Ltd.
03 Eich Derbynneb
04 Your Receipt
05
06 I 09/04/2002 10:47:22 CAP:02 BP:01 SU:SH1
07 Post Office FAD: 123456X
os 1
09 I
10 i
11 '
12 i
13 :
14 we
15 Cais i Newid PIN/Change PIN Request
16 I Visa
17 I Rhif Cerdyn: Cyhoeddiad:
18 I Card Number: **** **** **** pppp Issue:nnn
19 I Cod Awdurdodi:
20 I Auth Code: nnnnnn
21 I ID Cais:
22 I Application ID: aaaaaaaaaaaaaaaa
23 Io: Diweddu: Rhif Cyf PAN:
24 I From: MM/YY Expiry: MM/YY PAN Seq No: mm
25 I ID y Gweithrediad:
26 Transaction ID: nnnnnnnnnnnnnnnnnnnnnnnnnn
27
28 I guuuuuuuuuuuuuuuusuuuuUUUUUUUUUUUUUUUUUU
29 I guuwuuuuuuuuuuuuuuuuuUUUuUUUUUUUBUUUUUU
30 I gauzuauuzuuuuuuuuuuuuuuuuUUUUUUUUUUUUU
31 I gauwuguuzuuuuuuuuuuuuuuuuUUUUUUUUUUUU
32 I guuuuguuuuueuuauuuuuuuuuuuUnUUUUUUUU
33 I wuuzuauuzuuuuuuuuuuuuuuuUuUUUUUUUBUUUUUU
34 I guuzuuuuzuuuuuuuuuuuuuUUuUUUUUUUBUUUUUU
35 I wauwuguuuuuuuuuuuuuuuuuuuuuUuuUUUUUUUUU
36
37 I ££EEFELELELLLLELLLL EL ELL EL ELL EL ELLEL ELLE
38 I £fEffEfEffLfEfeLfefereefereefereeferetfe
39
40 Nid derbynneb TAW yw hon
41 This is not a VAT receipt
42
T 2 3 4
123456789012345678901234567890123456789012
Field Name English Welsh Length I Contents
Line I Char I Line I Char
No. I Pos’n I No. I Pos’ns
s
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 130 of 213
Without Prejudice and Subject to Contract
Fujitsu Services
EMV Banking
User Interface Design Proposal
COMMERCIAL IN-CONFIDENCE
Ref: NB/PRP/004
Version: 2.0
Date: 21-April-2005
Title
14
13-30 18
‘Change PIN Request’.
15 I 04-38 I 35
‘Cais i Newid PIN/Change
PIN Request’.
Issuer
Scheme
name
15
01-30 I 16 I 01-30 I 30
Issuer Scheme name. For
cards processed by the
PIN pad this field is
obtained from the
application label from the
chip. For MSR the field
will be derived from
Reference data
Card Number
16
14-32 I 18 14-32 I 19
Obscured PAN (only last
four digits shown,
remaining digits replaced
by asterisks): formatted
with spaces if a 16-digit
PAN, unformatted if any
other length.
Issue
Number
16
40-42 I 18 I 40-42 I 3
Obtained from card: not
always present
Authorisation
code
17
12-17 I 20 12-17 I 6
Authorisation code from
Financial Institution
Application
ID
18
17-32 I 22 17-32 I 16
Application Identifier is
obtained from the PIN
pad when setting up the
[C1] ICC data
From Date
19
7-11 I 24 I 7-11 5
Obtained from Application
data from the card as
read by PIN pad: or from
track 2 data if magnetic
stripe card used
Expiry Date
19
22-26 I 24 I 22-26 I5
Obtained from Application
data from the card as
read by PIN pad: or from
track 2 data if magnetic
stripe card used
PAN
Sequence
Number
19
41-42 [24 I 41-42 [2
Obtained from Application
data from the card as
read by PIN pad: or from
track 2 data if magnetic
stripe card used
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Date: 21-April-2005
Transaction
ID
20
17-42 I 26 17-42 I 26
Unique system-generated
transaction identifier
(nnn...).
Outcome
message
22-
29
01-42 I 28- I 01-42 I 42
35
Transaction outcome
message (uuu... up to 8
lines), suppressed if
blank.
Note that this is the
maximum number of lines
available for the
message, whether it
consists of English or
Welsh/English text.
Free text
footer
31,
01-40 I 37, I 01-40 I 40
Free text (fff..., up to 2
lines) if provided, or
suppressed.
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4 Response Codes and their Effects
This section describes only the new response codes, which may be returned as a consequence
of using an EMV/ICC card. The responses described in NB/SPE/003 still apply for all existing
response codes
4.1 Screens
4.1.1 Fixed screens, no response code based text
No change from NB/SPE/003
4.1.2 Soft screens, based on response code
No change — no new response codes currently identified
4.2 Transaction Result Codes
These are recorded with the transaction details.
Transaction I Meaning
Result Code
in [C]
OL Authorised by FI and accepted by PIN pad
02 Cancelled — either by the clerk or by the customer pushing the cancel button on the PIN
pad or by removing the card too soon
03 Customer Signature Failed (shown here for completeness)
04 Fee Customer Declined
05 Card Check Failed
06 Declined by FI
07 Decline by PIN pad or some other failure
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4.3 EMV Specific Response Codes
NB Response I Cause
Code
80 Declined by customer’s card
81 Declined by customer’s card: fall back to MSR afier 2"' GenAC
90 LINK service unavailable: declined by agent
91 A&L service unavailable: declined by agent
92 Card Account service unavailable: declined by agent
95 LINK service temporarily unavailable: declined by agent
96 A&L service temporarily unavailable: declined by agent
97 Card Account service temporarily unavailable: declined by agent
The message to appear on screen 10 (see 7.1.9) and the receipt text printed for these response
codes is shown in section 6.2.3.
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5 Screen Layouts
5.1 Counter Screens
The screens in this section are prototypes only, the final screen layout may vary. In addition,
the message texts within these screens are examples only. The definitive version of the
message text is contained within section 6.1.1.
5.1.1 Screen EB1: Proceed as Chip Card?
} Chip: Card
I Thisiis acchip card:
} Returnithe card to the
I ‘customer to insertiiniI PIN
I pad and touch) Continue:
I Otherwise touch Cancel
} ito cancel the transaction
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5.1.2 Screen EB2: Waiting For PIN
Ve:
: PIN Entry Lo a Cash Withdrawal
ASK the customerto: q
Enter PIN I cro
= Press ENT
to confirmitransaction:
uch Cancel ifithe: ® Waiting for RIN
istomer decides notito
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5.1.3 Screen EB3: Card Insertion
Home
I Card Insertion
I Ask the customerto
insenttheincardiin the
IN] fexetel
Touch} Cancel to cancel
the transaction:
Cancel
Cardinsertion
COMMERCIAL IN-CONFIDENCE
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5.1.4 Screen EB4: Transaction Cancelled by Customer
[Prev
I Cancelled
} jhe transaction has been)
I ‘cancelled by the I
I customer.
This screen is displayed if the customer pushes the Cancel button on the PIN pad or removes
the card before the [R] message is sent to the Financial Institution.
If the customer removes the card between the time that the [R] message is sent and the [A]
message is received at the PIN pad then the message is changed to “The transaction has been
cancelled by the customer removing the card too soon.”
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5.1.5 Screen EB5: Change Error
Removed
This screen was intended to warn users that a change PIN operation may or may not have
failed because a response hadn’t been received from the financial institution. This situation is
already covered by one of the conditions reported on existing screen 10 (see 7.1.9).
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5.1.6 Screen EB6: Card cannot be read by PIN pad
©
Info,
I Wai ing For Swipe.
Mihe supplied card cannot
I Ibe processed by the PIN
I pad:
Please swipe the cardior
I touch Cancelito cancel
I the) transaction:
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5.1.7 Screen EB7: Insert Card (Second attempt)
IICustomer has madevanI I I ¢ Gatidiinsertion
}lunsuccessful attempt to
I insert the cardiinithe PIN
I pad:
Please'give advicevand
ask customer to reinsent
} the card omtouch GCance
I to'cancel/the transaction
Cancel
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5.1.8 Screen EB8: Insert Card (Third attempt)
Home
[info
ine Banking
I (Customer has failed Card Insertion
I twice to insert the card in
} the PIN pad!
Pleaselgive advice and
jlask customer to reinsert
I) the card; ontouch Cance!
I Itoicancellthe transaction
Cancel
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5.1.9 Screen EB9: Remove Card from PIN pad
Home
} Card stilllin PIN pad!
} Please remind the
I customer to remove card
I touch OK to! proceed:
This screen is displayed when a Banking transaction is cancelled or declined.
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5.1.10 Screen EB10: Application Selection from Counter
Home
[Prev I info
I Select Application ine anking
CREDIMODEVISA
Select/Application
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5.1.11 Screen EB11: PIN Pad Error Screen
THome
Ss
PIN Pad Error
I Anverror has been
I ineturmedI by the PIN/pad:
Card blocked!
) the transaction has been)
cancelled:
This screen is used if the PIN pad returns an error code at the end of an aborted transaction.
The content of the second sentence depends on the value of the code returned from the PIN
pad (see 9.1)
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Screen EB12: Invalid Card Screen
Prev [Bin
I Card In PIN Pad
I the card cannot be
I processedIby the PIN
I pad:
I Please ask the customer
I toinemove) the card and
I hand) itover tor swiping:
I ouch OKto proceed:
FI2
This screen is displayed in a recognised MSR fallback situation. The purpose is to inform the
clerk that the transaction cannot continue as an EMV transaction and must fallback to a swipe
and signature transaction. The card here is still in the PIN pad reader and must be removed
and handed to the clerk for further processing. At the same time the PIN pad beeps to remind
the customer to remove the card. The simultaneous PIN pad display will be EPB18 (see
5.2.27).
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5.1.13 Screen EB13: Card Inserted — Please Wait
Wome
[Serve Customer Prev [Susp
) Card Inserted I On-line Banking
Cardiinsented
Cancel
Note this screen will only be displayed:
= When the EMV Banking button is selected from the Serve Customer Menu, and
= When the card has been inserted in the PIN pad
The tab heading at the right hand side of the screen will contain “On-Line Banking” for all
transactions.
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5.1.14 Screen EB14: Action Analysis Decline Screen
[Declined -
I the transaction has beer
declined!
Advise the customer to
use an alternative card
forthis transaction:
Action analysis performed by the PIN pad and card has detected a condition, which has caused
the transaction to be declined. This screen is displayed when the PIN pad has informed the
counter of this condition by sending an AAC command.
Pressing Continue will allow the counter to start a card removal operation. When the card has
been removed the serve customer menu will be displayed again where a new transaction may
be started.
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5.1.15 Screen EB15: Card Insertion Timeout
Info
The time permitted for,
inserting the card has
I beenlexceeded:
Please swipe the cardior
I} touch Cancel to return) to
I the Settlement menu
This screen is displayed when the customer has not inserted their card into the PIN pad within
a configurable timeout period. If this occurs then magnetic stripe swipe operations will be
enabled for this card.
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5.1.16 Screen EB16: Cancel - Please Wait
Ty Home
SS
[Serve Customer
I Cancelled } On-line Banking
I iransaction has been
cancelled:
Please wait:
The Cancelled screen is displayed when the clerk cancels during the card insertion or during
Application Selection.
If the clerk cancels later in the dialogue then screen EB9 Remove Card from PIN pad (see
5.1.9) is displayed.
Screen EB4 (see 5.1.4) is used where the transaction is cancelled by Customer.
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5.1.17 Screen EB17: Too Many PIN Retries
[Prev [Bin Info
hange PIN Error
I Customer has failed to
I confirminew PIN and has
I exceededithe maximum
I retries-
i
Continue
This screen is displayed when the system detects that the customer has exceeded the maximum
number of PIN change retries. That is the number of attempts at entering and confirming a
new PIN value has been exceeded.
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5.1.18 Screen EB18: Authorised / Remove Card Screen
Transaction
The transaction has been)
authorised:
Rlease remind the
I icustomernto remove the
card:
I TouchIGontinueito
I complete the! transaction
Action analysis performed by the PIN pad and card has reached approval for this transaction.
The transaction has therefore been authorised. This screen is displayed after the PIN pad has
informed the counter of this condition by sending a TC command and the counter has
acknowledged that TC command.
Pressing OK will allow the PIN pad to break out of its card removal loop and complete the
transaction.
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5.1.19 Screen EB19: Change PIN Retry
Home
a
[susp
I Change PIN Retry
INew PINentries donot I
I/match: Askithe customer I
I to:
= Enter old) PIN
= Enter new PIN
- Re-enter mew, PIN
I Press ENil aftereach) RIN! I
II @ WaitingIfor PIN
I mouch) Cancel to cancel
} the transaction:
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5.1.20 Screen EB20: Change PIN Last Try
Home Del I (gry tip
{into [Susp
I Change PIN Last Try. Change PIN
I (New PINjentries donot
}imatch: this is theilast
ithy: Ask the customer to:
}I = Enter old) RIN
= Enter new PIN
- Re-enter mew, PIN
I Press ENil aftereach) RIN! I
% Waiting for PIN
I mouch) Cancel to cancel
} the transaction:
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5.1.21 Screen EB21: Application Selection at PIN Pad
[Prev
I Application Selection
I The PIN pads waiting) for I
I thelcustomer to selecta I ApplicationISelection
} card application: I
I Ask customer to press
CER ifithey need
prassistance; orn touch
I (Cancel toicancel the
transaction:
Cancel
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5.1.22 Screen EB22: Screen 5 (EMV) — Waiting for
Authorisation
Det (?] Hip
in Info
[Cash Withdrawal
I Ask the customento
} leave'the cardiin the PIN
I pad until prompted.
I Please wait for the
I itransaction/ authorisation
*» Waitingifor authorisation
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5.2 PIN Pad Screens
Please note that messages relating to PIN entry cannot be modified. Other messages may not
contain the word ‘PIN’, ‘Pin’, ‘pin’, ‘pIn’ or ‘piN’.
5.2.1 PIN Pad Screen EBP1: Welcome Screen
1234567890123 456
eB wNneR
This screen is intentionally blank. This is Hypercom screen 0Ch customised to meet Post
Office requirements.
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
5.2.2 PIN Pad Screen EBP2: Please insert card
12;3'4 5 6 7,8'9'0'1 2:3'4 5 6
1PLEASE
2INSERT CARD
3
4
This is Hypercom screen 1Bh with line 1 customised to meet Post Office requirements.
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21-April-2005
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
ore oar w&
bh
°
eB wn e
»
8
a
5:6
A
la
yds
lil
8
0
u
Cc
a
1
n
u
t
s
PIN Pad Screen EBP3: Select Application
23456
rrent
inum
elect
Function Key Actions for this screen
Key
When Pressed
Action
ENT
Any time
Accept ‘flashing’
application
CAN
Any time
Transaction Ends
CLR
Any time
Triggers application
selection by Counter
BAL
Any time
Ignored
Up Arrow
Any time
Selects application
above the currently
‘flashing’ application,
if available. Selected
application flashes.
Down Arrow
Any time
Selects application
below the currently
‘flashing’ application,
if available. Selected
application flashes.
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NOTE:
1. The PIN pad must undertake application selection by AID and partial AID.
2. Ifrequired by ICC setting a list of available applications — identified by
Application label — should be displayed on the PIN pad for selection by the
cardholder.
See screen PIN pad EBP13 and counter screen EB10 (see 5.1.10) for application selection
from Counter
5.2.4 PIN Pad Screen EBP4: Card Invalid
Removed.
5.2.5 PIN Pad Screen EBP5: Remove Card
1234567890123 456
i
2
3 PLEASE
4REMOVE CARD
This is Hypercom screen 08h customised to meet Post Office requirements®.
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
® The text for this screen is supplied by Fujitsu as part of the PIN pad reference data. It is not explicitly
referenced within the activity flows described within this document, but it may be displayed under certain
exception cases,
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5.2.6 PIN Pad Screen EBP6: too many retries
This screen will not be provided.
5.2.7 PIN Pad Screen EBP7: Cancelled
12:3\4.5'67'8 9 0'1'2'3 4.5 6
LCANCELLED
2
3PLEASE
4REMOVE CARD
This is Hypercom screen 26h customised to meet Post Office requirements.
The same screen is used whether the transaction is cancelled by the clerk or by the customer
and is displayed when the card is still in the PIN pad.
Screen EBP20 (see 5.2.29) is also a cancel screen which is displayed when the card is not
present in the PIN pad.
Function Key Actions for this screen
Key When Pressed I Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow Any time Ignored
5.2.8 PIN Pad Screen EBP8: Return Card?
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Removed
5.2.9 PIN Pad Screen EBP9: Declined - Remove Card
12:3:.4.567.8901'2 3°45 6
1DECLINED
2
3 PLEASE
4REMOVE CARD
This is Hypercom screen 24h customised to meet Post Office requirements.
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
5.2.10 PIN Pad Screen EBP10: Approved — Remove Card
1) 2/3/45 6:7 89,0, 1; 2I 3) 4 5,6
LTAPPROVED
2
3 PLEASE
4REMOVE CARD
This is Hypercom screen 23h customised to meet Post Office requirements.
Function Key Actions for this screen
Key When Pressed I Action
ENT Any time Ignored
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CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
5.2.11 PIN Pad Screen EBP11: Processing
1; 2) 3 45 6 7,8) 9,011; 2) 3: 4/5 6
LTPROCESSING
2PLEASE WAIT
3
4
This is Hypercom screen 06h customised to meet Post Office requirements. The screen will be
displayed in various scenarios when the PIN pad is busy or waiting for a response from the
counter. Examples are following card insertion and whilst waiting for online authorisation.
The details of all cases where this screen can be displayed are omitted from the detailed
flowcharts in section 2.
Function Key Actions for this screen
Key When Pressed I Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
* PIN validation takes place at the Financial Institution and if PIN entry fails the transaction is declined. User
may retry but that is a new transaction. There are no specific PIN pad screens to “Re-enter PIN” or “Last Try
PIN” as there are for EMV Retail.
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5.2.12
Replaced by screens 5.2.13 to 5.2.15.
5.2.13
Withdrawal
12\3,4
1cash
2£999999999 9
3Conf
Ae eee
PIN Pad Screen EBP12: Enter PIN™*
PIN Pad Screen Pla: Confirm and Enter PIN for Cash
5) 6, 7, 8 9/0) 1/2) 3, 4,516
Withdrawal
99
ixnm with PIN
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The amount is the amount captured on Screen 2 (see 7.1.2).
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions:
not by Horizon reference data.
Function Key Actions for this screen
Key When Pressed Action
ENT Before minimum I Ignore
digits of PIN
entered
ENT After minimum Accept PIN
digits of PIN
entered
CAN Before PIN is Transaction Ends
accepted
CAN After PIN is Ignored
accepted
CLR Before PIN is Clears all entered
accepted PIN digits
CLR After PIN is Ignored
accepted
BAL Any time Ignored
Up Arrow Any time Ignored
* PIN validation takes place at the Financial Institution and if PIN entry fails the transaction is declined. User
may retry but that is a new transaction. There are no specific PIN pad screens to “Re-enter PIN” or “Last Try
PIN” as there are for EMV Retail.
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Down Arrow I Any time Ignored
5.2.14. PIN Pad Screen P1b: Confirm and Enter PIN for
Withdraw Limit
1234567890123 456
withdraw Limit
2
3BConfirm with PIN
Ae ewe
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions
not by Horizon reference data.
Function Key Actions for this screen
As for 5.2.13
5.2.15 PIN Pad Screen Plc: Confirm and Enter PIN for Balance
Enquiry
1234567890123456
1Balance
2
3cCconfirm with PIN
Ae xe ee
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions
not by Horizon reference data
Function Key Actions for this screen
As for 5.2.13
5.2.16 PIN Pad Screen P3: Change PIN - Enter Old PIN
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1/2; 3) 4 5.6 78) 9\ 0) 1 2,3) 4°56
lchange PIN
2
3 Enter old PIN
Ae eee
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions:
not by Horizon reference data.
5.2.17 PIN Pad Screen P4: Change PIN - Enter New PIN
1:2;3:456 7:8 90 1°2,3'4 5 6
lchange PIN
2
3Enter new PIN
Ae eee
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions:
not by Horizon reference data.
5.2.18 I PIN Pad Screen P5: Change PIN — Re-enter New PIN
1, 2;3) 4) 5'6 7) 8) 9 0; 1:2) 3) 4,5, 6
lchange PIN
2
3Re-enter new PIN
Axe *xewe
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
5.2.19 PIN Pad Screen P1d: Confirm and Enter PIN for Deposit.
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1, 2I3\4)5I' 6 7' 8/9011 2; 3'4°5 6
1Deposit
2£9999999999.99
3confirm with PIN
At ee &
As the PIN is entered it will be displayed as asterisks on the bottom line as shown.
The amount is the amount captured on Screen 2 (see 7.1.2).
The minimum and maximum lengths of the PIN are controlled by the Financial Institutions:
not by Horizon reference data.
5.2.20 PIN Pad Screen P7: Change PIN - New PINs Different
1, 2I 3.4 5) 6'7' 8 9'0'1'2;'3)'4'5 6
lchange PIN
2Re-entered PIN
3is not the same
4
5.2.21 PIN Pad Screen P8: Change PIN - Cancelled by Clerk
1) 2, 3:4 5 6,7) 8'9° 011) 2) 3) 4516
a
2cancelled
Ss
4
This message will be replaced by a blank display, after a delay, which is configurable from
Pathway Reference Data.
5.2.22. PIN Pad Screen EBP13: Application Selection at Counter
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12:3 45.6 7'8 9'0'1 2/345 6
TSELECTING
2APPLICATION
3 FOR PAYMENT
4
This is Hypercom screen 15h: (not customised).
Function Key Actions for this screen
Key When Pressed I Action
ENT Any time Ignored
CAN Any time Transaction Ends
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
5.2.23. PIN Pad Screen EBP14: Remove & Re-insert Card (1)
1234567890123456
TREMOVE AND
2RE- INSERT CHIP
3 CARD
4
This screen appears if the customer enters his card wrongly into the pin pad in response to the
Insert card request in EBP1: e.g. if it were inserted upside down or back to front. This is
Hypercom screen 27h customised to meet Post Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.24 PIN Pad Screen EBP15: Re-insert Card (1)
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1,2I3\ 4,56 7'89'0I'12 3.45
L
2RE-INSERT CHIP
3 CARD
4
This screen appears on first on the first attempt to re-enter the card into the PIN pad after the
first attempt fails: e.g. if it were inserted upside down or back to front. This is Hypercom
screen 28h customised to meet Post Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.25 PIN Pad Screen EBP16: Remove & Re-insert Card (2)
1234567890123 456
TREMOVE AND
2RE-INSERT CARD
3SEE PICTURE NEAR
4cCARD ENTRANCE
This screen appears if the customer enters his card wrongly twice into the pin pad. This is
Hypercom screen 29h customised to meet Post Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.26 PIN Pad Screen EBP17: Re-insert Card (2)
12:3 45 678 90,12'3456
<
2RE-INSERT CARD
3SEE PICTURE NEAR
4CARD ENTRANCE
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This screen appears on first on the second attempt to re-enter the card into the PIN pad after
the first two attempts have failed. This is Hypercom screen 30h customised to meet Post
Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.27. PIN Pad Screen EBP18: Remove & Hand Card to Clerk
1234567890123456
TREMOVE CARD AND
2HAND TO CLERK
3
4
This screen appears if the customer enters his card wrongly three times into the pin pad. This
is Hypercom screen 28h customised to meet Post Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.28 PIN Pad Screen EBP19: Hand Card to Clerk
1234567890123456
2HAND TO CLERK
This screen appears after the user takes his card out of the PIN pad in response to the EBP18
screen. This is Hypercom screen 2h customised to meet Post Office requirements.
Function Key Actions for this screen
As for insert card EBP2 (section 5.2.2)
5.2.29 PIN Pad Screen EBP20: Cancelled
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1 2)3,4,5'6 7 8'9'0;1'2'3'4 516
ITCANCELLED
2
3
4
This is Hypercom screen
oD.
The same screen is used whether the transaction is cancelled by the clerk or by the customer
and is displayed when the card is not in the PIN pad
Screen EBP7 (section 5.2.7) is also a cancel screen which is displayed when the card is present
in the PIN pad.
Function Key Actions for this screen
As for screen EBP7 - Cancelled - Remove Card (section 5.2.7)
5.2.30 PIN Pad Screen EBP21: Processing
1234567890123456
wn eB
PROCESSING
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
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5.2.31. PIN Pad Screen EBP22: Application Blocked
1} 2) 3/4 5) 6 7) 8I 9 0I 1) 2); 3, 4:5. 6
PWN
Blocked
Application
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
Up Arrow Any time Ignored
Down Arrow I Any time Ignored
5.2.32. PIN Pad Screen EBP23: Card Blocked
1,2: 3'4 5,67) 8'9 0'1 2 3: 4'5'6
- WN PB
Card
Blocked
Function Key Actions for this screen
Key When Pressed Action
ENT Any time Ignored
CAN Any time Ignored
CLR Any time Ignored
BAL Any time Ignored
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Up Arrow
Any time
Ignored
Down Arrow
Any time
Ignored
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6 EMV specific Message texts
This section details only those texts which are specific to EMV.
6.1 Message Collections
6.1.1 Collection: MessageDefs
The context in column 2 refers to the number defined for the screen in Section 5.1 Counter
Screens
Object Name*/ Context Caption and Message’ Caption and Help Text
Variable
MSG955 EBI Chip Card
This is a chip card.\IReturn the card to
the customer to insert in PIN pad and.
touch Continue.II
Otherwise touch Cancel to cancel the
transaction. Continue (Enter)
Touch this button to
continue.
Cancel (F1)
Touch this button to cancel
the transaction.
MSG984 EB2 PIN Entry Cancel (F1)
Ask the customer to: I - Enter PIN Touch this button if the
Press ENTIto confirm customer does not wish to
transaction.I/Touch Cancel if the continue.
customer decides not to proceed,
ScreenERI EB3 Card Insertion
InsertCard Ask the customer to insert their card in
the PIN pad.II
Cancel (F1)
Touch this button if the
customer does not wish to
continue
MSG980. EB4 Cancelled OK (Enter)
The transaction has been cancelled by the
customer.
Touch this button to
continue
*5 Object names in collection MessageDefs are in the format MSGnnn. Where the object name is not in this
format, then other collections are used, e.g. FTScriptDefs.
* A vertical bar ‘I’ symbol indicates the start of a new line and two vertical bars ‘II’ indicate a blank line.
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MSG999 EB4 Cancelled OK (Enter)
The transaction has been cancelled by the Touch this button to
Note: this format of customer removing the card too soon. continue
the message is used
if the customer
removes his card
from the PIN pad
between the [R]
message being sent
to the Fl and the
[A] message being
sent back
MSG986 EB6 Waiting For Swipe Cancel (F1)
The supplied card cannot be processed Touch this button to cancel
by the PIN pad. IIPlease swipe the card the transaction
or touch Cancel to cancel the
transaction.
MSG960 EB7 Card Insertion
Customer has made an unsuccessful
attempt to insert the card in the PIN
pad.IIPlease give advice and ask
customer to reinsert the card, or touch
Cancel (Fl)
Touch this button if the
customer does not wish to
continue
MSG971 EBS Card Insertion Cancel (F1)
Customer has failed twice to insert the Touch this button if the
card in the PIN pad.II Please give advice customer does not wish to
and ask customer to reinsert the card, or continue
touch Cancel to cancel the transaction.
MSG958 EB9 Card In PIN Pad OK( Enter )
Card still in PIN pad.\IPlease remind the
customer to remove card.I/Touch OK to
proceed.
Touch this button to
continue.
ICON (tick )
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ScreenEB10 EBIO. Application Selection Left hand panel is a pick list
and the Help text for each
option:
Touch this button to select
229999
(where 77??? is the option as
presented on the screen)
The option selection box in
the right hand panel has Help
text:
“Please select the required
application from the pick
list.”
MSG981 EBII PIN Pad Error
An error has been returned by the PIN
pad.)
%ReasonI
The transaction has been cancelled.
OK( Enter )
Touch this button to
continue.
MSG972 EBI2 Card In PIN Pad OK( F12)
The card cannot be processed by the PIN Touch this button to process
pad, I\Please ask the customer to remove _ card swipe.
the card and hand it over for swiping.
\ITouch OK to proceed.
ICON (tick )
ER1_CardInserted EBI3 Card Inserted
Cancel (F1)
Touch this button if the
customer does not wish to
continue.
MSG985 EBI4 Declined Continue( F9 )
The transaction has been declined.I) Touch this button to
Advise the customer to use an continue.
alternative card for this transaction.
ICON (tick )
MSG989 EBIS Time Limit Cancel (F1)
The time permitted for inserting the card
has been exceeded.II Please swipe the
card or touch Cancel to return to the
Serve Customer menu.
Touch this button if the
customer does not wish to
continue.
ICON (cross )
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MSG966 EBI6 Cancelled
Transaction has been cancelled.\IPlease
wait.
MSG987 EBI7 Change PIN Error Continue( Enter )
Customer has failed to confirm new PIN Touch this button to return to
and has exceeded the maximum retries. the Serve Customer Menu.
MSG988 EBI8 Transaction Authorised Continue( Enter )
The transaction has been Touch this button to
authorised.IIPlease remind the customer _ continue.
to remove the card.I/Touch Continue to
complete the transaction.
ICON(tick).
MSG994 EBI9 Change PIN Retry Cancel (F1)
New PIN entries do not match. Ask the Touch this button if the
customer to:I - Enter old PINI - Enter customer does not wish to
new PINI - Re-enter new PINIPress ENT continue.
after each PIN. I/Touch Cancel to cancel
the transaction.
ICON (cross )
MSG995 EB20 Change PIN Last Try Cancel (F1)
New PIN entries do not match. This is Touch this button if the
the last try. Ask the customer to:I- Enter customer does not wish to
old PINI - Enter new PINI - Re-enter continue.
new PINIPress ENT after each PIN. II
Touch Cancel to cancel the transaction.
ICON (cross )
MSG996 EB21 Application Selection Cancel (F1)
The PIN pad is waiting for the customer Touch this button to cancel
to select a card application.IIAsk the transaction.
customer to press CLR if they need
ScreenEB21 assistance, or touch Cancel to cancel the
transaction. ICON( cross )
MSG998 Screen 5 Waiting For Authorisation
(EMV)
Note: MSG998 is
also used for screen
5 (EMV) in Retail.
Ask the customer to leave the card in the
PIN pad until prompted.II
°%CVMMESSAGE%
Please wait for the transaction
authorisation.
Where %CVMMESSAGE% is blank for
Banking transactions:
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MSG835 Screen Transaction Failure
°%ClerkMsg% 10 %ClerkMse%
[see Section 6.2.3]
Continue (F9)
Touch this button to continue.
ICON (tick )
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6.2 Displayed Variable Message Text
6.2.1 Transaction Types
The text which appears on the various screens depends on the Banking transaction types.
New transaction types have been set up for EMV Banking and PIN verification and the
complete set of Transaction Types is shown in the following table
Transaction Type Code for MSR & Code for Code for EMV & Code for No
PIN Verification I Signature PIN Verification I Verification
Verification
Balance enquiry ol i 61 N/A
Deposit N/A N/A 62 22
Withdrawal 03 13 63 N/A
Withdrawal with 04 14 64 N/A
balance
Withdraw Limit 05 15 65 N/A
Change PIN 06 N/A 66 N/A
Cheque Deposit N/A N/A 67 27
6.2.2 Decline messages on screen 7
The message in the table below will appear on screen 7 (see 7.1.6) depending on the
Transaction Types and the Response Code received back from the Financial Institution:
Response I Authorisation I Transaction I Outcome Clerk Screen
Code Status type Soft-coded message
03 Declined — 06 and 66 FI Declined Incorrect current PIN supplied.
Incorrect PIN. I (Change PIN) I (Incorrect PIN entered) I piace ask the customer to retry
04-08 PIN Change I 06 and 66 Decline response from I Customer's PIN has not been
declined by FI I (Change PIN) I FI/NBE changed.
Advise the customer to contact
their card issuer.
09 Declined— I 06 and 66 FI Declined PIN tries exceeded. Advise the
PIN blocked I (Change PIN) customer to contact their card
issuer.
10-19 Declined 06 and 66 Decline response from I Customer’s PIN has not been
(not used - (Change PIN) I FINBE changed.
code reserved)
D Advise the customer to contact
their card issuer.
03 Declined — All except 06 I FI Declined Incorrect PIN supplied.
Incorrect PIN. I and 66 (ncorrect PIN entered) I piace ask the customer to retry
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04 Declined — 03 and 63 FI Declined Advise customer that a balance
Insufficient (No balance provided) enquiry option may be available
Funds
04 Declined — 04, 05, 64 FI Declined Advise customer that balance may
Insufficient and 65 (Balance will be printed I be printed on the receipt and if not
Funds on the receipt if provided I that a balance enquiry option may
by FI. be available.
oS Declined — AlPexcepr 06 I Fr Declined ‘vise the customer to contact
Usage and 66 their card issuer.
Violation
(frequency)
00 Declined — AlPexcepr 06 I Fr Declined ‘dvise the customer to contact
Usage and 66 their card issuer.
Violation
(Amount)
ms Dechned — Alexcepr0o I TT Dechned This transaction 1s hot Supported
Transaction and 66 for this card.
not supported Advise the customer to contact
their card issuer.
08 Declined — All except 06 I FI Declined Advise the customer to contact
Other and 66 their card issuer.
09 Declined — All except 06 I FI Declined PIN tries exceeded. Advise the
PIN blocked and 66 customer to contact their card
issuer.
52 Authorised by I All except 06 I Declined — authorised Authorised amount incorrect.
FI/NBE and 66 amount differs from
Advise the customer to contact
requested amount :
their card issuer.
53 Authorised by I All except 06 I Declined — authorised Authorised amount over
FI/NBE and 66 amount greater than maximum.
maximum
Please retry later.
80 Declined — All Declined - (card veto) The transaction has been declined
card veto by the customer’s card.
6.2.3 Decline messages on screen 10
The message in the table below will appear on screen 10 (see 7.1.9) depending on the
Transaction Types and the Response Code received back from the Financial Institution /
Agent:
Response I Authorisation I Transaction I Outcome Clerk Screen Receipt
Code Status type Soft-coded message Text
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10-19 Declined All except 06 I Decline Request unsuccessful, retry
(not used - and 66 response from —_I the transaction once only,
code reserved) FI/NBE then advise customer of
alternatives. IIPlease do not
call the Horizon System
Helpdesk.
20-29 Unknown PIN I 06 and 66 No response PIN change request may not
Change (Change PIN) I from FI/NBE have completed.
outcome Advise the customer to
contact their card issuer.
Failed by NBE I All except 06 I System/Network I Request unsuccessful, retry
and 66 Failure the transaction once only,
then advise customer of
alternatives. Please do not
call the Horizon System
Helpdesk.
30 Failed by All System/Network I Service temporarily
Agent Failure unavailable, retry in 30
minutes or advise customer of
alternatives. Please do not call
the Horizon System Helpdesk.
31 Failed by All ‘System/Network I Service currently unavailable,
Agent (where Failure retry after [date/time], or
Help Desk has advise customer of
been informed alternatives. Please do not call
of expected the Horizon System Helpdesk.
date / time
when NBE
will available)
32-39 Failed by All System/Network I Request unsuccessful, retry
Agent Failure the transaction once only,
then advise the customer of
alternatives. Please do not call
the Horizon System Helpdesk
40-45 Failed by/at All System/Network I Request unsuccessful, retry
Counter Failure the transaction once only,
then advise the customer of
alternatives. Please do not call
the Horizon System Helpdesk.
46 Failed by/at All System/Network I Service temporarily
Counter Failure unavailable, retry in [umber
of minutes] minutes or advise
customer of alternatives.
Please do not call the Horizon
System Helpdesk.
*’ Individual codes in the range 20 — 29 can be broken out from this range once specific error conditions are
defined.
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49 Failed by/at All System/Network I Unable to communicate with
Counter Failure local to I Gateway. Please follow
Post Office standard processes and
checks.
Advise customer of
alternatives.
50 Failed at/by All System/Network I Request unsuccessful, retry
counter Failure the transaction once only,
(other) then advise the customer of
alternatives. Please do not call
the Horizon System Helpdesk.
55-59% Failed at/by I 06 and 66 System/Network I Request unsuccessful, retry I RTS3
counter (Change PIN) I Failure the transaction once only,
(other) then advise the customer of
alternatives. Please do not call
the Horizon System Helpdesk.
55-59 Failed at/by All except 06 System/Network RT21
counter (other) I and 66 Failure
ion once only, then advise
tomer of alternatives
Please do not call the Horizon
System Helpdesk.
90 06 and 66 Banking service for LINK is RTS3
(Change PIN) unavailable, retry after
[date/time] or advise
customer of
alternatives. [Please do not
call the Horizon System
Helpdesk.
90 All except 06 Banking service for LINK is RT21
and 66 unavailable, retry after
[date/time] or advise
customer of
alternatives. IIPlease do not
call the Horizon System
Helpdesk.
91 06 and 66 Banking service for A&L is RT53
(Change PIN) unavailable, retry after
[date/time] or advise
customer of alternatives.
IIPlease do not call the
Horizon System Helpdesk.
91 All except 06 Banking service for A&L is RT21
and 66 unavailable, retry after
[date/time] or advise
customer of alternatives.
IIPlease do not call the
Horizon System Helpdesk.
* Previously Response code 54 was documented within this section. However, this code will only be generated
by the Recovery process at the counter when the customer is not present, and will never be received from the
data centre or the Financial Institution.
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92
06 and 66
(Change PIN)
Banking service for Card
Account is unavailable, retry
after /date/time] or advise
customer of alternatives.
\[Please do not call the
Horizon System Helpdesk
RT53
All except 06
and 66
Banking service for Card
Account is unavailable, retry
after /date/time] or advise
customer of alternatives.
\\Please do not call the
Horizon System Helpdesk.
RT21
06 and 66
(Change PIN)
Banking service for LINK is
temporarily unavailable, retry
in 30 minutes or advise
customer of alternatives.
I\Please do not call the
Horizon System Helpdesk.
RTS3
95
All except 06
and 66
Banking service for LINK is
temporarily unavailable, retry
in 30 minutes or advise
customer of alternatives.
\\Please do not call the
Horizon System Helpdesk.
RT21
96
06 and 66
(Change PIN)
Banking service for A&L is
temporarily unavailable, retry
in 30 minutes or advise
customer of alternatives.
IIPlease do not call the
Horizon System Helpdesk.
RT53
96
All except 06
and 66
Banking service for A&L is
temporarily unavailable, retry
in 30 minutes or advise
customer of alternatives.
IIPlease do not call the
Horizon System Helpdesk.
RT21
97
06 and 66
(Change PIN)
Banking service for Card
Account is temporarily
unavailable, retry in 30
minutes or advise customer of
alternatives. I[Please do not
call the Horizon System
Helpdesk.
RT53
97
All except 06
and 66
Banking service for Card
Account is temporarily
unavailable, retry in 30
minutes or advise customer of
alternatives. IIPlease do not
call the Horizon System
Helpdesk.
RT21
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Note: the text associated with the RT numbers is shown in the Outcome Message Text in
section 3.1.2.
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6.3 Audio Cues at PIN Pad
The PIN pad will provide distinct audio cues to the Customer for key entries made at the PIN
pad and also at the time of insertion or removal of the Card from the PIN pad.
The Post Office requirements for audio cues are documented in CD/CDE/009 Conceptual
Design for DDA Beeps, and the Fujitsu Services response in AS/DPR/008 Design Proposal
for DDA - PIN Entry Device Audio System. The following will be used for EMV:
PIN Pad Event Signal
Insertion of Card” Single beep, 2kHz for 100ms
Card to be removed Beep, 1kHz for 100ms: followed by 100 ms silence and
repeat
Customer presses “Enter” Single beep, 2kHz for 600ms
Customer presses “Cancel” 1kHz for 100ms: followed by 100 ms silence and repeated 8
more times
Customer presses “Clear” 1kHz for 100ms: followed by 100 ms silence and repeated 2
more times
Customer presses 0-9 Single beep, 2kHz for 100ms
Others No sound
6.4 Help Text for data selection and input
No change from NB/SPE/003
® There is a single beep following card insertion. It occurs when the card is recognised as a valid ICC card by
the PIN pad, but prior to application selection. There are no beeps on PIN pad prompts to the customer at
application selection. This is at variance with CP3648, which did not itself match the underlying Post Office
CR (PSO_FSL_00085 v2).
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7 AnnexeA
EMV Banking will also utilize the following screens found in NB/SPE/003 Network Banking
Counter Dialogue —Activity and Screen Flows. The screen layouts are repeated here for
information purposes only: future change controls may require the screens to be changed for
Network Banking after the document for EMV Banking is baselined. The screen layouts
defined in NB/SPE/003 take precedence over those shown below.
7.1 Counter Screens from NBS used for EMV Banking
TAA Screen1: Display available options
Choice of Services On-line Banking
Cash Withdrawal} GRO
Balance Choose Service
Not Available
(Gash Deposit)
Withdraw Limit
Change PIN
I
I
I
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712 Screen 2: Enter Amount
ra
w
Amount
Amount: I
7A Screen 3: Waiting for PIN — PIN Change
The Waiting for PIN screens for EMV are now shown in 5.1.19 Screen EB19: Change PIN
Retry and in 5.1.20 Screen EB20: Change PIN Last Try.
71.4 Screen 5: Waiting for Authorisation
The Waiting for Authorisation screen for EMV is now shown in 5.1.22 Screen 5 (EMV) —
Waiting for authorisation.
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TAS Screen 6: Charge Confirmation
The precise list of information presented in the RH panel varies with the service type.
The value in the Fee field supplied by the FI in the [A] message is displayed within the LH
panel. [NBR150]
The customers card
I issuer will debit their,
unt witha fee of
for this transaction, I
he customer want
ALA Se
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71.6 Screen 7: Other Decline
The precise list of information presented in the RH panel varies with the service type. Card
checks will only be carried out if the card goes through the magnetic swipe reader but not if
the card is processed in the PIN pad.
The information in the LH panel varies with the decline reason i.e .response code from FI or
local reason defined by the point at which the Clerk declined the transaction. The values of the
message text which appear in the LH panel are defined in section 6.2.2.
into
Decline Balance
Tran tionthas I
ustomerto
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TAT Screen 8: Accept Deposit
Accept Deposit
Transaction has been
authonsed:
Please confirm amount
of deposit.with customer
and verity, against
amount displayed
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718 Screen 9: Card Retain
Ww
Decline Cash Withdrawal
Transaction has been
I dechined
Eollow the appropriate:
procedure-to retain the
card:
Advise the customento
contactitheircardiissuer, I
Wasitheicard retained?
Fo
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719 Screen 10: Do not call help desk
The precise list of information presented in the RH panel varies with the service type. Card
checks will only be carried out if the card goes through the magnetic swipe reader but not if
the card is processed in the PIN pad.
The information in the LH panel varies with the decline reason i.e .response code from FI or
local reason defined by the point at which the Clerk declined the transaction. The values of the
message text which appear in the LH panel are defined in section 6.2.3.
into
Transaction Failure Withdraw Limit
Request unsucces eek
I retry the transac GRO
once only, thenadvise: I
the customer of,
altetnatives:
Rlease do not callithe
Horizon System Helpdesk
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71.10 Screen 12: Tear off Error Message Instruction
Coat ?F
Desktop S Bm i
Tear Off Cash Withdrawal
Tear off error report’ and
touch button to continue: } I GRO I
71.11 Screen 14: Printing Receipt
int
Receipt Printing Cash Withdrawal
Transaction has been
Ple wait whileithe
customers receipt is
printed
Retain office receipt:
Note: The text “Retain Office Receipt” will not be present on this screen
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71.12 Screen 18: Change PIN - Waiting for PIN
The precise list of information presented in the RH panel varies with the service type.
inte
Waiting for PIN Change PIN
} Ask the customer to: I
~ Enter old PIN I ; GRO
= Enter new PIN I
= Re-enter new RIN I
and press ENily after each I
I * Waiting for PIN
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71.13 Screen 19: Abandon Message
TPOSEL
PIN Entry Cancelled
Customer has decided
hot'to enterthe RIN
This transaction has
been cancelled:
Cash Withdrawal
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71.14 Screen 20: Change PIN Error
The precise list of information presented in the RH panel varies with the service type.
Note : the number of possible retries is controlled by Pathway Reference Data.
W
Change PIN Error Change PIN
Customer has failed to) I
confitm new RIN andihas I GRO}
exceeded the/maximum) I
retnies
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7.2. Error Screens from NBS
7.21 Screen E4: Invalid Card
This screen will be used to display errors when validating the card as follows:
e = The supplied card is corrupt
e The supplied card has expired
e The supplied card is not valid
Card Not Valid
The supplied cardihas
expired:
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7.22 Screen E7: System failure
iG
System Failure
On-line services) I
I Unavailable, advise I
customer of alternatives: I
Ifravcallhas not already,
been logged: contact/the) I
) onizon System Helpdesk?
I iby/calling the NBSG and) I
quote code shown below, I
System Failure Cash Withdrawal
Request ur
adviseicu
altefnatives:
Phas not alr
quote code shown below. I
47
ae
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7.24 Screen E9: Invalid Amount - range
Desktop nt
Cash Withdrawal
Invalid Amount
The value entered '
(£320100)jis/oti heceeemene GRO
allowedirange: I
Amount
Value must be between
£5:'00 andi£200.00!
7.25 Screen E10: Invalid Amount - multiples
Desktop int
Invalid Amount Cash Withdrawal
The value entered I
(£47200) 1s invalid: po GRO
Only multiples of £5:00 Amount:
may be tric icted:
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7.26 Screen E11: No services available
This screen will be displayed in the following circumstances:
1. The card is known to the system but no transactions are available for it.
2. The counter has not had a PIN pad installed but all transactions require one. In this case
the text “without a PIN pad” will be appended.
3. The card was entered manually but no transactions are available when manually entered. If
there would have been at least one transaction available had the card been successfully
swiped the text “when manually entered” will be appended.
Note: This screen will have a single panel if the transaction started from a card swipe and two
panels if it started from manual input.
No Services Available
No transactio
available tor this
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7.2.7 Screen E19: PIN Entry error
The first part of the message will vary according to the error condition.
The precise list of information presented in the RH panel varies with the service type.
3 Bel ( ox
n Info
I Change PIN
}imatch:
II Does thercustomernwant -
I to tryagaini?,
& Waiting for PIN
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8 Annexe B
8.1 PIN Pad Commands
The flow diagrams in section 2 make many references to PIN Pad application commands
either flowing from the counter to the PIN pad or from the PIN Pad to the counter. Their
purpose is to keep the counter informed of the progress of the transaction and to give it the
opportunity to alter the direction of the transaction in defined ways. Whilst the counter is
responsible for starting the transaction, the PIN pad application and the customer’s card , once
the transaction has started, are in complete control. The PIN pad application dialogue is in
essence a framework upon which the counter dialogues are hung. The following table of PIN
pad application commands is provided not as a complete description of those commands but
as a guide to assist the reader in interpreting the flow diagrams. There is no attempt here to
describe the data passed on these commands unless it is essential to explain the meaning. The
description of the commands is also constrained to the context of a financial transaction, i.e.
not administrative transactions( not data loading etc. ).
Command I From To Purpose
Counter I Counter
AAC Y To inform to the counter that the transaction has been
declined. It carries the AAC cryptogram.
ACK Y Multiple purposes, to inform the PIN pad that the counter
has received a command which requires confirmation. Also
to determine a course of action at a defined decision point.
e.g. PIN bypass.
ARQ Y To inform the counter that online authorization is required.
This command passes EMV tag data for the authorization
request. The counter solicits further tag data in TLV format
where that data is required.
DSP Y To carry status and information to the counter. It is a
command which requires acknowledgement. An example of
its us is to carry the Application Label to the counter after
application selection has been performed.
EFT Y To start the EFT transaction. It requires the transaction type
and amount.
END Y To signal the end of the transaction. This may contain error
information where a transaction has failed.
KBD Y Similar to the DSP this command carries data to the PIN
pad. It has a different shape depending on the context of its
use. It requires acknowledgement.
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STA 1 Y To inform the counter that card insertion is required.
STA 2 Y To inform the counter that an ICC card has been inserted
and read successfully.
STA 6 Y To inform the counter that the transaction has been
cancelled, either by the customer or by the PIN pad.
STA7 Y To inform the counter that card removal has been requested
at the PIN pad.
STA 8 Y To inform the counter that a card read error has been
detected.
STA9 Y To inform the counter that fallback to MSR is required.
STAD Y To inform the counter that the card removal timer has
expired and the PIN pad is moving on to the next event in
the process.
TC Y To inform the counter that the transaction has received
authorization from the merchant acquirer and card. The
command also carries the Transaction Cryptogram. It
requires acknowledgement.
TDR Y To convey the EMV tag data requested in a TLV command
to the counter.
TLV Y To solicit EMV tag data from the PIN pad. TLV/TDR
dialogues are issued when the PIN pad is expecting an
acknowledgment this can cause confusion as a following
acknowledgement may seem to be made to the TDR. In
such situations the acknowledgement is made to the
command which preceded the TLV command.
VFY Y Informs the counter of the outcome of CVM processing. It
requires acknowledgement.
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9
Annexe C
9.1 PIN Pad Error Codes and Screen EB11 Clerk Messages
The following table shows the Hypercom error messages with equivalent messages for clerk
consumption. The clerk messages will be displayed on the EB11 clerk screen. The intent is to
display an error message when PIN pad failures occur but to tailor the message in such a way
that both clerk and customer will not be too confused by the verbosity of the originals. It is
also important that the messages do not convey the wrong meaning or alarm the customer.
Following the display of such messages the system will also log information events to the
event log.
Error I Clerk Message Description Severity
Code I — ‘
00001 I System error. Communication error E
ERR_COMMUNICATION
00002 I System error. Timeout E
ERR_TIMEOUT
00003 I System error. LRC error E
ERR_LRC
00004 I System error. Parity error E
ERR_PARITY
00005 I System error. Buffer overflow E
ERR_BUFFER_OVERFLOW
00010 I System error. Message code not implemented E
ERR_NOT_IMPLEMENTED
00016 I System error. Data format error E
ERR_FORMAT
00022 I System error. Wrong prefix code E
ERR_PREFIX_CODE
00023 I System error. STAN out of range E
ERR_OUT_OF_
RANGE_STAN
00025 I System error. STAN out of sequence E
ERR_INVALID_STAN
00026 I System error. Remove card, check signature E
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REMOVE_CARD_CHECK_SIG
00027 I System error. Wrong date/time E
ERR_TIME_DATE_ERROR
00028 I System error. Timer length error E
ERR_TIMER_LENGTHS
00030 I System error. Date error E
ERR_DAY_RANGE
00031 I System error. Hour error E
ERR_HOUR_RANGE
00032 I System error. Minute error E
ERR_MIN_RANGE
00033 I System error. Second error E
ERR_SEC_RANGE
00034 I System error. Invalid length E
ERR_LENGTH
00037 I System error. Other error E
ERR_NOT_OK
00038 I Card error
Card not supported.
ERR_CRD_NOT_SUPPORTED
00039 I Operation cancelled. Cancelled
ERR_CANCELLED
00040 I System error. POS device ID incorrect E
ERR_DEV_ID
00041 I System error. STAN error E
ERR_STAN
00042 I System error. Application not supported E
ERR_APP_NOT_PRESENT
00043 I Card error
Start sentinel, end sentinel or LRC is
incorrect
ERR_TRACK
00044 I Card error
Luhn check digit in last position of the
PAN
ERR_PAN_LUHN
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00045 I Card error International Identification Number
(IEN) invalid
ERR_NO_IIN
00046 I Card error PAN length invalid
ERR_PAN_LENGTH
00047 I Card error Start date error
ERR_DATE_START
00048 I Card error Date validity or expired
ERR_DATE_EXPY
00049 I Card error Issue number length invalid
ERR_ISSUE
00050 I Card error Hot card match is found
ERR_HCF
00051 I Card error Service code validation error
ERR_SCDE
00052 I Card error Service code indicates reject
ERR_SCDE_REJECT
00053 I Card error If purchase with cashback
SCDE_NO_CASHBACK
00054 I Card error Transaction type rejected for this terminal
ERR_TXN_TYPE_TERM
00055 I Card error Transaction type rejected for this IIN
ERR_TXN_TYPE_IIN
00056 I Card error PIN required
SCDE_PIN_REQUIRED
00057 I Card error Service code indicates chip should be read
SCDE_PROMPT_ICC
00058 I System error. Problem with key data loaded into Public Key I E
ERR_VALIDATE_KEY_ERR
00059 I System error. Error writing data to tag store E
EMV_L2_ERROR
00060 I System error. Public key error E
ERR_PUBLIC_KEY
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05001 I Card error. The contents of Tag 5A (Application
PAN) does not match the PAN in Tag
57 (Track 2 Equivalent Data). The 2
tags should be contained in the data
section of the error message. This
means a bad card or bad chip data.
05049 I System error. Insufficient parameter data E
downloaded to the device - cannot
begin EFT
08001 I System error. System file error E
08002 I System error. EMV level not set to 1 or 2 E
08003 I System error. EMV library initialization error E
08004 I Transaction not allowed. No applications supported I
08005 I This is a swipe card. Magnetic stripe — fallback to MSR
(track data may be appended to error
code)
08006 I Operation cancelled. Customer cancelled/says no to
application selection
08007 I Time limit exceeded. Customer timeout
08008 I Card error. Select application error I
08009 I Invalid PIN. PIN error
08010 I Cardholder verification failure. Cardholder verification error
08011 I Card error. Select application returns non-EMV
08012 I Card error. Select application fails
08013 I Card error. Select application format
08014 I Transaction not allowed. No more applications available
08015 I This is a swipe card. Non EMV - fallback to MSR
08016 I Card not recognised. No issuer match I
08017 I System error. Write tag data to library error — tag E
data may be present after the error
code
08018 I Card blocked. ICC blocked
08019 I Card error. Mandatory data missing
08020 I Card error. Select application library returns bad
format
08021 I Card error. Authenticate data, encryption failure
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08022 I Card error. Authenticate data, error
08023 I Cardholder verification failure. Cardholder verification, failure
08024 I Transaction not allowed. Transaction type, error E
08025 I System error. Read tag data error WwW
08026 I Cardholder verification failure. Verify at EPOS returned not OK.
08027 I System error. Validate transaction, error I
08028 I Transaction not allowed. Action analysis, failure I
08029 I Transaction not allowed. Action analysis, decline I
08030 I System error. DOL does not contain 9F37 WwW
08031 I System error. Terminal capabilities error (9F33) WwW
08032 I System error. Advice, error W
08033 I The transaction has been Card removed within EMV transaction
cancelled by the customer
removing the card too soon.”
08034 I Transaction not allowed. Facilities Code for acquirer does not I
allow this transaction
08035 I Transaction not allowed. Facilities Code for card scheme does. I
not allow this transaction
08036 I Cardholder verification failure. Refund attempted with bypass on PIN
entry — not successful
08037 I Operation cancelled. Refund attempted with cancel pressed
on keypad by customer
08038 I System error. Refund with PED failure during E
process
08039 I System error. DDOL Index error E
08040 I System error. TDOL Index error E
08041 I System error. Throw error on TC. NACK response
to TC, we send AAC
08042 I System error. Error setting ICC reader for EMV txn I E
08043 I System error. Error writing data to additional data
tag store
08044 I System error. Throw error on RSA key load request I E
08045 I Transaction not allowed. Action analysis, failure 2 I
08046 I Transaction not allowed. Action analysis, failure 3 I
* For error code 08033 screen EB4 (see 5.1.4) is output instead of screen EB11 (see 5.1.11).
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08047 I System error. ACK response error for KBD — data E
format not correct
08048 I Transaction no longer available. I Throw error: expired application
08049 I Transaction not yet available. Throw error: application not yet
effective
08050 I This error can occur if the Failure to complete online transaction I W
customer removes the card too (EMV Lvl 2 library cannot complete
soon, txn)
08051 I System error. If end of txn control = 31 or 33, and E
ACK response to KBD for check
signature is negative, then this error
code will appear in END msg.
08052 I System error. Throw error on VISA easy entry card I W
(Track2 equivalent data may be
appended to error code)
08053 I Maximum amount exceeded. Throw error on Terminal Ceiling Limit I I
in General parameter table.
08054 I Operation cancelled 1“ and 2™ instance of new online PIN
do not match
08055 I System error. Format error — Data structure or data. I E
format incorrect
08056 I System error. 69 85 returned in answer to External E
Authenticate
08057 I Application blocked. Application blocked
08058 I System error. Signature CVM required signature not I E
checked
08059 I Card error. Not accepted — service not allowed
indicated by card in 1* GenAc
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Fujitsu Services EMV Banking Ref: NB/PRP/004
User Interface Design Proposal Version: 2.0
COMMERCIAL IN-CONFIDENCE Date: 21-April-2005
10 Annexe D
10.1 PIN Pad Timeouts
These are the timeouts used by the PIN pad.
Event Timeout Outcome if Timeout Exceeded
Insertion of Card 30 seconds Counter displays Screen EB15: Card Insertion
Timeout (see 5.1.15)
PIN Entry 120 seconds I Counter ceases to display the screen it is
(Financial pained displaying ve seen Se and
Transaction) isplays screen : Cancelled Screen (see
5.1.4) instead
PIN Entry of Old 120seconds Counter ceases to display the screen it is
PIN currently displaying (i.e. screen EB2) and
displays screen EB4: Cancelled Screen (see
(Change PIN) 5.1.4), instead
PIN Entry of New I 240seconds*' I Counter ceases to display the screen it is
PIN currently displaying (i.e. screen EB2) and
displays screen EB4: Cancelled Screen (see
(Change PIN) 5.1.4), instead
Card removal 15 seconds The process for card removal timeout processing
is described in NB/PRP/004 in Figures 5a
Remove Card, and 5b Approved Remove Card
"' The total time allowed for entering the new PIN twice is 240 seconds.
© 2004 Fujitsu Services COMMERCIAL IN-CONFIDENCE Page: 209 of 213
Without Prejudice and Subject to Contract