Amex Quick Chip Technical Manual

Home , American Express, EMV

July 2019 Version 1.2

AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL

Table of Contents

1 SUMMARY OF CHANGES...... 6

2 INTRODUCTION ...... 7

2.1 Intended Audience ...... 7

2.2 Document Structure ...... 7

2.3 References ...... 7

2.4 Use of Terms ...... 8

3 AMEX QUICK CHIP ...... 9

3.1 Ba ckground ...... 9

3.2 What is Amex Quick Chip? ...... 9

3.3 The American Express Integrated Circuit Card Payment Specifications (AEIPS) ...... 10

4 AMEX QUICK CHIP PROCES SI NG ...... 11

4.1 Overview ...... 11

4.2 Proce ssing Summa ry ...... 12

4.3 EMV Functions Not Performed ...... 12

5 AMEX QUICK CHIP REQUIREMENTS ...... 14

5.1 Terminal Requirements ...... 14

5.2 Acquirer Requirements...... 15

5.3 Issuer Requirements ...... 15

6 IMPLEMENTATION CONSIDERATIONS ...... 16

6.1 Merchant ...... 16 6.1.1 Merchants Eligible for Implementing the No Signature/No PIN Program ...... 16

6.2 Acquirer / Processor ...... 18

6.3 Issue r ...... 19

APPENDIX A : GLOSSARY AND ACRONYMS ...... 20

List of Figures Figure 1: Processing Overview ...... 11

List of Tables Table 1: Reference Documents ...... 8

Table 2: Terminal Requirements...... 14

Table 3 : Acquirer Requirements ...... 15

Table 4: Issuer Requirements...... 15

Table 5: Transaction Processing Scenarios & Impacts to Merchant & Card Member experience . 17

Table 6: Post EMV Processing Card Member Verification Requirements...... 18

INTRODUCTION MANUAL

No Signature/No Signature/No No

QUICK CHIP TECHNICAL for provisional amounts

age P post EMV post EMV CVM processing, threshold.

Reflect that signature capture optional on receiptsis Allow for provisional transaction amounts PIN that exceed the Support American Express.

• • •

PS Certification requirements, throughout. Provisional amount requirements Subject

Summary of Changes

1.1 1.2 Verision

1 The following reference table highlights the revisions included in this manual. July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN

INTRODUCTION

MANUAL

and out process and out

QUICK CHIP TECHNICAL

take into account the considerations

. 7 You must comply laws with and regulations applicable

age significantly Members’ Card improving perception of P Section

These laws and regulations can country from differ to country, and ards

infringement. C American Express.

hip

ard transactionsard in the U.S ontact C

party processors his document.

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References DocumentStructure Intended Audience Intended Issuers EMV of C Acquirers Authorized third - Programm Merchants to accept approved are who American Express Cards payment as goods for services or and approved to submit files to American payment for Express Terminal vendors American Express personnel is a registered trademark trademark or EMVCo, of in LLC the United States and other countries.

Introduction ®

...... chants that to choose implement Amex Chip Quick should

and the considerationsparties for impacted by its implementation.

EMV Currently, Quick Chip can only be utilized enabled or by merchants,dors on terminals processors, and ven you solely are responsible being and adheringaware to for them in all countries you where implement this document. To To the maximum extent by permitted law, does Express American not makeand hereby disclaims and any all representations, and liabilities, warranties, whether express implied, or arising or by law a course from or of dealing usage or of trade, including implied merchantability warranties of fitness or a particular for purpose any or warranty title of non- or to the subject matter t of 1 2 2.3 Readers should also reference the following documents to fully understand the American EMV Express requirements. 2.2 This documentintroduction an provides to Quick Amex Chip, requirements the need to implementers adhere to 2.1 This document is intended for:

2 As a leading global payments network, Express American is focused on helping partners our get most the out of the technologies they need to addressstay competitive. To the need to perceptions improve around the speed EMV of being deployed use for in the U.S.

July 2019July Chip. Amex Quick Chip enables Membe Card tors dip their C remove it before the transaction is completed — payment transaction and streamlining speed the checkout experience, the while secu providing benefitsrity of EMVan C Mer specific implementation tradeoffs AMERICAN EXPRESS AEI EXPRESS AMERICAN

INTRODUCTION

ants

, or

MANUAL cquirers cquirers

recommend(s) mandatory , w on orking behalf of a Merchant ProcessorsParty Terminal Vendors Terminal Merchants Programmers Authorized Third or

o o o o Audience All All All All All Netw ork Partners shall ems within requirements ,

QUICK CHIP TECHNICAL should also reference any additional country or country additional any reference also should

should also reference any additional country or or country additional any reference also should

version 4.3,November

Amex QuickAmex Chip

8 age

P inancial Settlement inancial (GFSG)** Settlement Guide ** guide Authorization Credit ISO) (GCAG the authorization and settlement data messaging requirements for A for requirements messaging data settlement and authorization the

. Implementers of Implementers . Guide Program PIN Signature/No No s define s

evant to their implementation. their to evant

American Express.

are highlightedare through the the of words use should tions for Payment Systems,

Specification

Terminal Terminal Manual Technical

ICC Spec ICC if ic a American Express Global Electronic Data Capture (GEDC) ** guide (GEDC) Capture Data Electronic Global ExpressAmerican ** (GHDC) guide Capture Data Host Global American Express American Express Global F American Express Global Author Credit Global American Express format)**

o o o EMV 2011 A EIPS Guide Terminal AEIPS Implementation Card Guide Chip Acquirer American Express Netw ork Specification* o o Full Name Document Full PS recommendations

Useof Terms ] Optional Mandatory requirements highlighted are through the the of words use must mandate(s)

: Reference Documents : Reference ]

] . .

The American Express Acquirer Express American The

NSNP NW EMV 4.3 cquirer specific messaging specifications relevant to their implementation. their to relevant specifications messaging specific cquirer cquirer specific messaging specifications rel specifications messaging specific cquirer [A CQ] [ATG] [AG] [ [ Abbreviation [ [ATTM4.3]

and processors of American Express transactions Express American of and processors A 2.4 thisThroughout document, attention is to drawn specific Terminal and Acquirer syst Amex Amex of Quick Chip Implementers Network. Express American the across operating ** the text through the use bold and italics of on key words follows: as *The American Express Network Specification defines the authorization and settlement data messaging requirements for particip for requirements messaging data settlement and authorization the defines Specification Network Express American *The A Table Table July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN QUICK CHIP PROCESSING

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ard are are ard

MANUAL .

C ) erchant

hip M C LOA . summary, In

ontact fline and Online) and ncreasing ncreasing Upon successfulUpon

esting support is provided American Express branded

is required, made simple Letter of Approval ( Approval Letter of ) 3 test tools. More information on QUICK CHIP TECHNICAL

AEIPS AEIPS nline authorization process

service test tools. service ssuers - - e, during afte or the been r goods have I for processingfor of

erification methods like PIN (Of 9 V age available inavailable the Amex Quick Chip certification overview

P ember ard toard be inserted the before final transaction amount is known, Card MembersCard used are to transaction a process where M

C ard acceptanceard . erchant acceptance is gainingm in momentu the U.S, to helping ard ard hip test environment and self

C American Express.

Terminals, streamlined certification (level . ontact © 2019 attestation process is ard ard torema in in the during reader the O perception payment of speed and a more convenient checkout experience. merchants, those specifically whom speed for at the is checkout critical,the rely on

AEIPS AEIPS .

available inavailable the Amex Chip Quick Test Plan document.

ard issuanceard and M

is American Express

C Simple Testing Process

the For new Involves Involves a change to the local POS application, but doesn’t 2) re require EMVCo (level For AEIPS certified Terminals, feature testing is recommended.T Continued support C for Leverages Leverages embedded microprocessor chip, increases which transaction security by Speeds up checkout times on chip transactions at the point sale of i Improves Improves hip American an amendment Express provide will to the C ard ard remains inserted in the the for duration reader transaction of processing. This includes the C

...... ough the American Express test environment and self r sponse back to the terminal.

nformation on the What is Amex Quick Chip? Background i document. Enables of Take Advantage YouBest To in EMV Security Provides a certification terminals of through certification completion feature testing, of an attestation or that inclusion Quick of Chip was the only change made, efficiencies signature. exchanging authentication data with terminals and C th Facilitates Merchant Improved at Throughput Point Sale of Enhances Member Card Experience re The The time it takes the for authorization request to be sent to the Issuer, the and for Issuer its to provide The The final transaction amount is known the before transaction can start Member and Card Verification can be performed. U.S initiation Member and Card interaction can happen befor scanned. which allows an EMV C ontact

Amex Quick Chip , C

......

ards

The The result is an implementation meets which needs, and aids the the launch, EMV of in the U.S. C Amex Quick Chip is a modification the of EMV transaction flow 3.2 3.1 3 EMV

July 2019July experience isnot with available the standard EMV flow. This difference in user experience led has to a perception that, in certain environments, Members paying Card are who with an EMV C and does not require the C user experience associated with existing C combat fraud. Many U.S Amex Quick Chip: spending longer at the checkout. This is because standard EMV processing that: requires AMERICAN EXPRESS AEI EXPRESS AMERICAN QUICK CHIP PROCESSING MANUAL

(AEIPS) ications

Specif QUICK CHIP TECHNICAL Payment 21 All Rights All Rights Reserved of 10 age hip implementation requirements. is AEIPS compliant with P C ontact American Express. ex Quickex Chip implementations be based will on the underlying

which detailits specific C EMV

The American Express Integrated Circuit Card ,

3.3 American Express has published the Express American Integrated circuit Payment Specifications card (AEIPS) the standard EMV specifications. Am requirements within defined the EMV specifications [EMV4.3] the and Terminal AEIPS Technical Manual [ATTM 4.3]. Amex Chip Quick is designed to be used with all AEIPS available versions.

July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN QUICK CHIP PROCESSING MANUAL

Not performed Not

Remove Card QUICK CHIP TECHNICAL , ” ” 3 ) ? ? ) Signature Data & Issuer ARQC Analysis Analysis Card Action Post EM V CVM Selection (

Cardholder processing Processing Processing Processing Processing Application Verification Offline Data Restrictions st Issuer Script Terminal Action Management 21 Terminal Risk

online request Authentication Complete EMV Authentication offline decline 1 Card returns an st Retain Chip Data Read Application 1 Initiate Application Application Initiate All Rights All Rights Reserved of Online Transaction Respond Auth with Unable to go online processingOnline for PIN ( Response Code “Z 7 9 1 2 3 4 5 6 3 8 10 16 14 15 13 11 12 11 age P N Insert Card American Express. :

, Bit ( Bit ( ) ’

02 F 9 ‘

Card Member ck Chip Processing PS Final amount . use provisional amount provisional use 2 , Display Issuer Response to Provisional amount Terminal shall be online only only be online shall Terminal is amount transaction final the If . OutsideEMV of processing EMV function withchanges performed not function EMV Standard EMV EMV function withchanges Send online to Issuer forapproval 1 Key 1. 2. processing chip when unknown begins

Build authorization request Processing Overview Processing Overview : 1 Amex Qui

4.1 4 Figure

July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN QUICK CHIP PROCESSING

he MANUAL

owever H

. If: . nline, offline making it

ember whi ember

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hem t of . 3 M Sale erminalthat has

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[NW]/[ACQ]. - ard )

removed before the before responseremoved ard can be removed from the from canard be removed is [NW]/[ACQ]

Data Field 4 QUICK CHIP TECHNICAL ard ard then this supersedes the above

, ard is the theard from before reader removed Data 4) Field ments Issuer Authentication, Issuer ments which relies on 21 erminal will build the authorization All Rights All Rights Reserved of The factThe that C the

12 erminal will complete EMV processing a decline. as . The provisional transactionThe amount shall not be

1 age AEIPS imple AEIPS

P ard isard in the to reader validate that the Issuer response

ssuer. . a PIN entry request shall be made to the C ssuer. impacts The this of are: , erminal will always with respond an ‘Unable to go O

ard.

. American Express.

first Generate AC, is some are, unaltered. however, CVM There for transactionsfor being using performed a provisional amount ember ember.

M M

that authenticationdata the from Issuer by cannot be forwarded the

ard ard from thefrom genuine I erminal EMV data the from first AC Generate in to order clearing perform . T not be requested at this time. provisional transaction The amount shall not be

ng, highlighted as in Figure

Data Field ‘9F02’) 55; Tag and Amount, Transaction ( isin the terminal’s chip reader.

use the PS ard ard ue of the authorization request ard ard returns an ARQC, the T ard ard responds with an AAC then the T C C C Issuer will use in the Amount, value Transaction (

that local if law requires signature capture on receipts the Offline PIN isthe selected CVM displayed to the C Signature is the selected CVM, capture signature at be performed can any time displayed to the C Online PIN is the selected Byte CVM, TVR then 3, bit 3 (Online PIN entered) shall be set to ‘1’. PIN entry shall

rocessing considerations

erminal to be processed by the C EMV EMV FunctionsPerformed Not Processing Summary Acquirers The The Issuer response message will be used to determine the if transaction or has been approved declined and the message relevant will be displayed to the Member Card to t advise transaction outcome. The The true val Once the final transaction amount is known, the T message. authorization The request will include the transaction relevant in amounts Amount, Authorized ( If the declined’ response. This allows to EMV processing complete the so C reader. A messagewill be displayed to the prompt Member Card the to C remove EMV processing, up to the p If the If If the final transaction amount is not known, EMV processing will using be performed a provisional transaction provisional amount. transaction The amount should represent an amount that is reflective of the most current transaction total, (e.g. goods totalled far). so Terminals will always request and store an ARQC the laterr EMV fo data use in the authorization request to the Issuer. standard EMV processing, the where C message has come Issuer Authentication is not – performed If If the final transaction amount is known, processing will EMV using be performed that amount. data is mean received s T o o o note

emented Amex Chip. Quick ......

American Express no longer requires signature capture on receipts, it as is oftenunchecked ,

clarification. please impl In order to meet the optimized Member Card experience, the C authorization response is the from received I 3 This section highlights the areas standard EMV of processing that not are at performed a T 4.3 4.2 This section of an overview Amex provides Quick Chip processing. It focuses on the differences from standard EMV processi

July 2019July unsuitable as a strong customer authentica method.tion This means that is signature “optional” for merchants and they no longer are required to capture signature on receipts at the Point AMERICAN EXPRESS AEI EXPRESS AMERICAN QUICK CHIP PROCESSING

ard. MANUAL

ard toard process make and

QUICK CHIP TECHNICAL erminal to be processedy b the C Issuers return Issuers script data in the cripts. cripts. 21

erminal forwards them to the C ection ection age ard ard P S American Express.

ard ard updates, post personal the relevant updates. fact The that theC any scripts the has Issuer by sent cannotforwarded be the T Authorization response C Issuer Script Processing is not – performed

Merchants that to choose implement Amex Chip Quick should take into account the considerations and specific implementation trade highlightedoffs in

July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN REQUIREMENTS

MANUAL

to be

. Data Data be

sha l l be QUICK CHIP TECHNICAL

implement a implement

sha l l . sha l l ation Responseation erminal erminal is using a be requested to

T sha l l

. Data Data ‘9F02’, (Tag prompt prompt the Card

ad sha l l be populated be populated in P

Authoriz not display the provisional

21 hip transactions.hip sha l l erminal erminal

decline decline the transaction w ith

O sha l l ember ember sha l l

14 M .

sha l l ion request ion be greater thanbe greater zero.

sha l l erminal erminal ontact imit at T ard L C age C P erminal erminal command command sha l l

. loor erminal erminal

F erminal erminal T (Unable (Unable to go T

” be required forall transactions. This

[ACQ] [ACQ] and use for it EMV processing purposes. “ American Express. ard is in the terminal’s ard the terminal’s in is chip reader.

C sha l l ard. C and used forEMV processing purposes the

be made available to the Card Member, available be made Member, the Card to either displayed use the Issueruse authorization responsedetermine to the its discardIssuer Authentication the and any scripts Data

) set to

. make the EMV data fromthe EMV generate the first make available AC 8A

‘

sha l l sha l l sha l l transaction amount, the T

sha l l the second Generate AC

n the authorizchip data for the for all all Americanfor Express EMV

Data Field 55) [NW]/ Field Data [NW]/[ACQ] [NW]/[ACQ] of the authorization request along w the ith retained chip ard returns an AAC, the ard returns an ARQC the

be set to ‘1’ erminal erminal erminal erminal C C 4 55) [NW]/[ACQ] 55) [NW]/[ACQ] nline authorization nline

Retai Issue T Code (Tag (Tag Code T PS O rminals

Te the Acquirersforclearing purposes implemented is Chip Quick Amex which bymechanism The proprietary and configurable. If configured, Quick Chip Amex enabled selectedoffline is the CVM, If PIN the enter their PIN w hi If Online PIN is the selected CVM, TVR Byte 3 bit 3 (Online shall PIN entered) • • Once EMV processing is complete, the Member to remove Once the final transaction amount isit know n, Field data. The outcome ofthe transaction and display the Card the outcome Member. to The included w the ithin Issuer’s response message. provisional transaction amount and populate Amount, Autho Amount, provisionalpopulate rizedtransaction amount and (Tag ‘9F02’, transactionprovisional The amount If PIN is the selected result ofCVM processing, and if the provisional transaction amount the Card PIN Member to on the If Signature is the selected result of CVM processing then capturethe signature sha panel l l or printed. If the If the Requirement An achievedimplementing by zero a the final transactionIf amount know isbeforeprocessing EMV n begins, then that amount Field the final transactionIf amount the not know is n,

Terminal Requirements : : Terminal Requirements Amex Quick Chip Requirements

2 r e nce

TR14 TR12 TR13 TR10 TR11 TR8 TR9 TR6 TR7 TR4 TR5 TR3 Re fe TR1 TR2

5 Terminals supporting Amex Quick Chip to need implement the followingrequirements. Table July 2019July 5.1 AMERICAN EXPRESS AEI EXPRESS AMERICAN REQUIREMENTS

MANUAL

nt nt and

QUICK CHIP TECHNICAL . .

and and

4 4

not reject transactionsnot because just the transaction amou data fromEMV generate the first the clearinguse in AC not reject transactions TVR if Byte 3, bit 3 is set to ’1’

not reject transactionsjust becausetransaction the amou

sha l l sha l l shall Data Field Field Data Data Field Field Data

. no PIN the Authorizationin Field in no PIN Block 55 Message

sha l l

Requirement Issuers values in Requirement Acquirers values in Acquirers message Acquirers there is

IssuerRequirements Acquirer Requirements : : Acquirer Requirements : Requirements : Issuer

4 3

Reference IR1 A R1 A R2 A R3 Reference

Table Table 5.3 American Express Issuers processing Amex Chip Quick transactions need to implement the following requirements. 5.2 Acquirers processing Quick Amex Chip to need implement the following requirements. Table July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN

IMPLEMENTATION CONSIDERATIONS

MANUAL

threshold.

Program

ertified, Chip Quick Amex QUICK CHIP TECHNICAL certification will be required in order ation needs.ation cquirers tocquirers authorization optimize overall Where implemented, a provisional implemented, Where

dditional Level 3 certification Level dditional is not required 21 - re abled then .A of All Rights Reserved 16 age or greateror than, the Signature/No No PIN P erminal provider toerminal determine provider whether the standard AEIPS mount, ‘9F02’, Authorized (Tag Data Field 55) [NW]/[ ACQ]

have not previouslyhave been AEIPS c he equal to,

American Express.

that

that have been AEIPSthat have certified, American recommends feature testing Express

authorization request messages contain which in different values the Amount, , ards using the standard EMV flow. be less than,

Terminals

Data Fieldt and 4)

(

PS AEIPS AEIPS

. Merchants Eligible Implementing for the Signature/No No PIN Currently limited use for in U.S. implementations. Designed environments for speed where at the checkout iscritical tothe business. merchant’s Merchants should work their with T or or Amex Quick Chip solutions best meet their implement Not meant to replace other efforts bymerchants and A processing times.

Merchant

to accept AEIPS C be performed be performed to validate Quick Chip functionality For new certification is required. Amex Quick If Chip is dis For EMV Terminals Amex Quick Chip can be implemented of 2 approval without impacting EMVCothe the Level EMV payment kernel. fields o o The The Amex Quick Chip solution is: Transaction o Terminals will send

Implementation Considerations

......

6.1.1

The The table below details the possible implementation options to available merchants, along with the associated impacts. The The Amex Quick Chip solution allows merchants to implement EMV processing transaction based on either the final transaction amount, a provisional or transaction amount. transaction amount may

6 6.1 Merchants should take account into following the factors rolling when out Chip Quick capable Amex terminals July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN

IMPLEMENTATION CONSIDERATIONS in in ,

MANUAL

performed ember requirements

M 6.1.1.2

ard C Impacts erification

threshold. No impact.

EMV processingEMV and w as erification w as not performed EMV EMV processing, if the erification w as performed as erification performedbe w ill erification w as not performed Mitigation Mitigation approach outlined

V V V

. V This allowsThis to merchants mitigate . n QUICK CHIP TECHNICAL to be. Mitigation to be. Mitigation approach outlined 6.1.1.1 6.1.1.2 ember ember Verificationbeen performed has ember ember ember standard

standard Details the of . M M M . exceed the Signature/Noexceed No PIN

erificationperformed w w wnot it as as hen are provided in section provided are

Card Member Member Card as part of EMV processing but the final wfor transaction amount. as required merchants: Member Card to Impact V required section Card during EMV processing, but wnot required as the finalbased transaction on amount. experience:Member Card Card to Impact Member Verification has been unnecessarily section Card part of requiredfinal transaction forthe amount.No impact. Card during transaction amount greater is than the No PIN Signature/No Member Card as part of EMV processing and wrequiredfinal transaction forthe as amount. not No impact . In these In . environments, it is also possible to 3

to Merchant Card & Member experience

age Table 5,Table Scenario 4 P amount less than, less than, in al transaction

d until the final amount is know Table 5,Table Scenario Fin

is amount Final greater than the No PIN Signature/No threshold. greater than the No PIN Signature/No threshold. is amount Final to, or Signature/No PIN No threshold. Provisional amount amount Provisional not used. Final amount know n and used for EMV processing. is amount Final to, or Signature/No No threshold. is amount Final erchant is able tot Member mee Card V in

M American Express.

erminal provider toerminal determine provider which implementation approach best erification

equal equal equal V

outlined

. No No ember impac t

ensure that the M

the the

ard experience PS

Merchant EMV processing?EMV

less than, less than, Merchant Impact Mitigation Approach

they should set the provisional transaction amount to always exceed the Signature/No No the

Member Provisional amount usedProvisional for

Yes. Provisional amount is greater Signature/No than the No PIN threshold. Yes. Provisional amount is greater Signature/No than the No PIN threshold. Yes. Provisional amount to, or threshold. PIN Signature/No Yes. Provisional amount is to, or threshold. PIN Signature/No No. Final amount know n and amount know Final n No. used. : : Processing Impacts Transaction & Scenarios

5 erchant anticipates that in transactions their environment may

Card Card threshold will . This

5 4 3 2 1 erification requirements supporting this delayed CVM approach f a M the

PIN meets their business needs delay performing C V Merchants should work their with T 6.1.1.1 Table Table July 2019July threshold, mitigating I AMERICAN EXPRESS AEI EXPRESS AMERICAN

IMPLEMENTATION CONSIDERATIONS

ard

MANUAL

processing No or mayor not threshold the ay

erification be performed post EMV be performedEMV post

greater than the

cannot ember equirement be

R . M QUICK CHIP TECHNICAL ertified, Amex Chip Quick

certification will be required in order erification method. ard nline PIN entered) will be set to ‘1’. The V

O Offline PIN

ements Processing the terminal’s remain the in orderto chip reader in

. which exceedswhich the Signature/No No PIN ember

dditional Level 3 certificationdditional Level is not required , erification, notwhen required by the final M 21 A

threshold.

V .

. ard 18 required certification will be required in to order accept AEIPS ember (post EMV processing)

age M market P

ard is . ransaction amount is know n to C

for eachfor C ard

. ember to enter their PIN ember to enter their PIN . erminal erminal display shall the final transaction amount and requestthe C If the final amount exceeds Signature/No the No PIN T M is recommended It that signature capturebe requested only once the final t PIN Signature/No The The to validate the offlinePIN. processing. mount, ‘9F02’, Authorized (Tag Data Field 55) [NW]/[ACQ] fields Chip then- re

have not previouslyhave been AEIPS c American Express.

that

ards using the standard EMV flow Verification

Data Field and A 4)

( is required. Amex Quick If Chip is disabled- re then Method

ember PS

Card Member Impact Mitigation Approach rds using the standard EMV flow Card ard ard has the been removed from reader

cquirer disables Quick Amex a

Acquirer / Processor For EMV Terminals been AEIPS that have certified, feature testing Express American recommends be performed to validate Quick Chip functionality For new EMV Terminals A set new network of certification cases test will need toletter approval be performed. The associated the with T A C Amex Quick Chip can be implemented of 2 approval without impacting EMVCothe the Level EMV payment kernel. to accept AEIPS C certification When Online PIN is the selected CVM, Byte TVR 3, 3 ( bit setting this of bit is an indication Online of PIN being the selected CVM, not that confirmation an Online PIN was actually entered. Authorization with Messages this bit TVR set m include a PIN block Terminals will send authorization request messages contain which in different values the Amount, Transaction Implementations limited are to the U.S Signature Signature Offline PIN PIN Online : : Post EMV Processing Requir Member Card Verification

......

The The following table details the 6.2 Acquirers and processors should take into account the following factors processing when transactions initiated at Amex Quick Chip terminals:

Table threshold, canreduce the to need C perform 6.1.1.2 transaction amount. by This be achieved can performing part the of C after the C July 2019July Merchants that implementprovisional a transaction amount AMERICAN EXPRESS AEI EXPRESS AMERICAN

IMPLEMENTATION CONSIDERATIONS MANUAL

may not be the

Q] [NW]/[ACQ] )

Data Field ‘9F02’) 55, Tag [NW]/[AC age P

Authorization with Messages this bit TVR set may may or not CVM, Byte TVR 3, 3 ( bit on of Online of PINbeing theon selected American Express.

may be based provisional on a transaction amount, rather than the final transaction

PS cripts will be processed not .

S Online PIN is the

Issuer true value true value of the sale. Issuers should Amount, Transaction use determine the true transaction value. Issuer authentication will not. be performed Issuer Settlement files will inc will files Settlement The The Amount, Authorized in the data EMV ( When setting this of bit is an indicati Online PIN was actually entered . include a PIN block . amount CVM processing

......

6.3 Issuers should take consideration into the following factors, can which will or occur at an Amex Chip Quick terminal: July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN APPENDIX

ard is

. MANUAL /IEC

on to go Online. on to Card Member Member Card applications that,

ard accountany w ith C

QUICK CHIP TECHNICAL

co.com. ard.

enabled enabled POS device, interactsthe POS winitiate device to ith

such charges to the Acquirer. age P

ard issuing business. Data Field Field Data data. Card Member Card

ithin ISO 8583 authorization ISO request and responsemessage that holds Chip ISO 8583 authorization ISO request and responsemessage that holds Verification Method

ards and Terminals. ards and Terminals. emv See American Express. C an an

ardspecifications. C ata fieldw Member D

© 2019 eloped eloped thesebodies by application three and the that residesCard the Chip and on Describes a device or specification that uses a contact interface as defined in ISO A person whas entered ho into an agreement and established Issuer, a or w name hose is embossed on a C Card data. Card document, In thisgeneric devices all term a forcompliant ware to American Express hich A EIPS and Cards compliant AEIPS Chip whichby process The term. defined EMV An Terminals verify the Europay, MasterCard the specificationsused that toto refer is term and Visa.A dev the Terminal togenerate used transactions. EMVCo EMVCo LLC, the organization that manages the EMV specificationsand the approval process for A maximum A maximum monetary amount fora single transaction, at or abovemust w be obtained Authorization before hich completing the transaction. Issuer authentication. and the the ARC ARPC forin use Integrated Circuit Card, alternative term for Chip Card Chip alternative forterm Integrated Card, Circuit Anyentity (including, wlimitation, American ithout Express and American Express Entities) authorizedAmerican by Expressan American Express or Entity a C to issue The and to engage the C and toin Authorization ResponseCode ofCryptogram typeAgenerated the Issuer, byto enable to validate used Card the Chip the authorization response. an embedded wCard A chip containing ith AEIPS and/or Expresspay A type of Cryptogram indicating that the Chip Card wthe transacti ishes Transaction Amount, wused hen at a Chip - Card AEIPS or Expresspay Transactions. 7816 Security Card theIssuer Chip data createdbyor systemsvalidate usedand to a transaction or authorization response. Card The The field in Application Cryptogram An American Express Entity Express Entity wa contracthas,pursuantwan S/E w to hich hich: ith Meaning A type of Cryptogram indicating that the Chip Card has declined the transaction. The The field in American Express ICC Payment Specifications secureAdata element generatedthedefined Card bytransactionacross set a of data to enable to verifythe Issuerthe authenticity an authorization of or settlement request entitled entitled to charge purchases of goods or services at agrees suchtransferthe S/E to S/E by means of a Card, and

PS Glossary Acronymsand :

erVerification

4 55

Chip

Memb Member

Card Card Card EMV Card EMV Co FloorLimit ICC Issuer Issuer Authentication Data A RC A RPC Card Chip Contact A RQC Cryptogram Data Field Field Data Field Data CV M AC Acquirer Term AAC A EIPS Application Cryptogram AppendixA

July 2019July AMERICAN EXPRESS AEI EXPRESS AMERICAN APPENDIX MANUAL

for Card

to enter the PIN PIN to enter the

QUICK CHIP TECHNICAL Card Member Card

Terminal

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Term Issuer Script Merchant Online PIN PINPad S/E Terminal Terminal

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