In other words, this is a set of data required to facilitate an EMV transaction.Īs we know, EMV is a much more secure payment method with extra functionalities compare to its predecessors. Values involved in an EMV transaction (which result from the Issuer’s implementation choices) are transported and identified by a tag that defines the meaning of the value, the format, and the length. Let's take a look at the FirstData's definition of "EMV tags": date), there is a necessary involvement of "EMV Tags" in EMV transaction. When all non-emv "entry modes" can be successfully performed using a bigger or lesser amount of customer data stored on the card (like card number (PAN), CVV, Exp. As was mentioned, "EMV tags" play one of the key roles in the EMV processing (that's where the name is coming from) but aren't part of any other "entry mode" (neither magstripe swipe nor manual entry through/without terminal nor any other). BER-TLV is an "expanded" version of "TLV" that allows supplying tags with variable length, include one "TLV" inside another and provides few extra capabilities (for more details please refer to stackoverflow post). "TLV" or as it might be referred to as "SIMPLE-TLV" stands for "Tag Length Value". "EMV Tags" are usually mile-long alpha-numeric strings in a BER-TLV format. This is what we're going to cover in this post. However, one particular component that is present in each EMV transaction, but doesn't have a good "explain me like I'm 5 years old" clarification is "EMV Tags". Because of that, we have a lot of resources describing EMV in the land of the worldwide web. There are more than two decades time-span between the first publication of EMV spec and this article. EMV ("Europay, Visa, MasterCard") standard has been invented a while ago (first release in 1994) as an urgent need to address security flaws of the previous generation magnetic stripe cards.
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March 2023
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