How to Read EMV based smart VISA card details

Question

I am trying to read the credit card data from the VISA card but could not able to make a success.As in the internet resources I have found that for the MASTER card we can select the PSE directory using 1PAY.SYS.DDF01 file and then read the records. But for VISA its not mandatory and when I use the following file using SELECT command for getting the PSE directory I get the response as '6A82'.Which means its is not supported by the file system. I looked for the Error in the EMV 4.2 Book 1(EMV specification) and it says that we have to use a "List of AIDs". It says "The terminal issues another SELECT command using the next AID in its list". I am unable to understand this and proceed further.

Any help on how to get the PSE for the VISA card or the AID to get the credit card details?

Thanks, Shekhar

Answer 1

First of all PPSE applet is nothing specific for VISA nor for MasterCard. It is defined by EMV, and it is used as you correctly noticed for listing the AIDs of the available payment applications on the card. But if it is not there the terminals try all the supported AIDs to build the candidate list.

If you want to select the VISA applet, but you do not know the complete AID you can use partial selection. Since all the VISA AIDs begin with the VISA's RID: A0 00 00 00 03. You can try to send this command:

This will return the first instance:

00 A4 04 00 05 A0 00 00 00 03 00

and this will give you more if you have on your card:

00 A4 04 02 05 A0 00 00 00 03 00