Free · 速查 · 约 7 分钟Reference · ~7 min read
EMV 术语表:一次搞懂 ARQC / TVR / AIP / CVM…EMV Glossary: ARQC, TVR, AIP, CVM & Friends
读芯片交易(DE55)时满屏缩写。这份术语表把最常见的 EMV 概念用一句话讲清,配上对应的 TLV 标签,方便你边解报文边查。
Chip transactions (DE55) are a wall of acronyms. This glossary explains the most common EMV concepts in one line each, with their TLV tags, so you can look them up while decoding.
密文与认证Cryptograms & authentication
| 术语Term | Tag | 一句话解释One-line meaning |
|---|
| ARQC | 9F26 | 授权请求密文:卡片对交易数据算出的动态密文,发卡行联机校验Authorization Request Cryptogram — dynamic cryptogram the card computes for the issuer to verify online |
| TC | 9F26 | 交易证书:交易被批准(脱机批准/联机批准后)生成的密文Transaction Certificate — cryptogram generated when the transaction is approved |
| AAC | 9F26 | 应用认证密文:交易被拒绝时生成Application Authentication Cryptogram — generated when the transaction is declined |
| ARPC | 91 | 授权响应密文:发卡行回给卡片、证明"我确实是发卡行"Authorization Response Cryptogram — issuer's reply proving it's the genuine issuer |
| CID | 9F27 | 密文信息数据:指明本次生成的是 ARQC / TC / AAC 哪种Cryptogram Information Data — says whether an ARQC / TC / AAC was generated |
| IAD | 9F10 | 发卡行应用数据:卡片给发卡行的私有数据Issuer Application Data — card's private data for the issuer |
风险与验证Risk & verification
| 术语Term | Tag | 一句话解释One-line meaning |
|---|
| TVR | 95 | 终端验证结果:5 字节,逐位记录终端在验证中发现的各种情况Terminal Verification Results — 5 bytes, bit flags of what the terminal found during checks |
| AIP | 82 | 应用交互特征:卡片声明支持哪些能力(SDA/DDA/CDA/持卡人验证等)Application Interchange Profile — which capabilities the card supports (SDA/DDA/CDA, CVM, etc.) |
| CVM | 9F34 | 持卡人验证方式:本次用了 PIN / 签名 / 免验证,及其结果Cardholder Verification Method — PIN / signature / no-CVM used, and the outcome |
| TSI | 9B | 交易状态信息:标记本次交易执行了哪些功能Transaction Status Information — which functions ran this transaction |
| UN | 9F37 | 不可预知数:终端产生的随机数,防重放Unpredictable Number — terminal-generated random value, anti-replay |
| ATC | 9F36 | 应用交易计数器:卡片每笔递增,保证密文唯一Application Transaction Counter — increments per transaction, makes cryptograms unique |
应用与标识Application & identifiers
| 术语Term | Tag | 一句话解释One-line meaning |
|---|
| AID | 4F/9F06 | 应用标识符:标识卡上/终端选中的支付应用Application Identifier — identifies the selected payment application |
| PAN | 5A | 主账号:卡号Primary Account Number — the card number |
| SDA/DDA/CDA | — | 脱机数据认证的三种方式(静态/动态/复合动态),防伪卡Three offline data authentication methods (static/dynamic/combined) — anti-counterfeit |
| GAC | — | Generate AC 命令:终端请卡片生成密文的那步Generate AC — the command asking the card to produce a cryptogram |
👉 想看这些 tag 在真实报文里的值?打开解析工具粘贴带 DE55 的报文,它会逐 tag 解出,并对 TVR/AIP/CID/CVM 逐位翻译。深入阅读:EMV 芯片交易与 DE55 深入。👉 Want to see these tags in a real message? Paste a message with DE55 into the parser tool — it decodes each tag and bit-decodes TVR/AIP/CID/CVM. Deep dive: EMV chip & DE55.