Appendix 2 Visa Cryptogram Version Number Values

[VIS] version 1.6 redefined the Cryptogram Version Number to simplify the structure of it, by allocating different information to each nibble, as follows:

• Upper nibble: ‘What is the Format of the Issuer Application Data’ and Issuer Scripting algorithm

• Lower nibble: ‘ARQC algorithm’

This table summarises all the CVN values for Visa cards up to and including VIS 1.6, VCPS 2.2 and VCP 1.8.2, showing which ones Thredd supports.  (If a value is used which is not supported, all EMV transactions will be declined.)

CVN (hex)	CVN (decimal)	9F10 format	ARQC algorithm	Thredd supported?	Comment
0A	10	0/1/3	‘A’	Yes	Original Visa standard for VIS contact chip transactions
0C	12	0/1/3	Issuer proprietary	No	Issuer proprietary cryptogram processing
11	17	0/1/3	‘1’	Yes	Original Visa standard for VIS contactless chip transactions
12	18	0/1/3	‘2’	Yes	New VIS 1.6 ARQC algorithm
22	34	2	‘2’	Yes	New VIS 1.6 ARQC algorithm, with new ‘9F10’ format ‘2’
2C	44	2	Issuer proprietary	No	Issuer proprietary cryptogram processing, with new ‘9F10’ format ‘2’
32 to 3B	50 to 59	0/1/3	Issuer proprietary	No	Issuer proprietary cryptogram processing
43	67	4	‘3’	No	For Visa Cloud-Based Token Payments New ‘9F10’ format ‘4’
Other	Other	Undefined	Undefined	No	RFU by Visa

Visa Issuer Application Data (tag ‘9F10’) Formats

[VIS] version 1.6 standardised the ‘9F10’ Issuer Application data formats, which vary depending on the first byte.

See EMV [VIS] version 1.6 appendix F for extra information if needed.

This table summarises the formats, based on the first byte which determines it:

9F10 first byte (hex)	9F10 first byte (decimal)	9F10 format	Thredd supported?	Comment
06	6	0/1/3	Yes	Original Visa 9F10 format
1F	31	2 or 4	Yes	New in VIS 1.6
Other	Other	Unknown	No	Not supported by Thredd