![]() ![]() The initial byte TS is a mandatory bit communication synchronization pattern. ![]() The interface bytes (TA i, TB i, TC i, TD i).In this article we will review the ATR data elements (DE), but focusing on DE importance in a payment transaction. The ATR functionality is fully documented in ISO/IEC 7816 and many more documents, however those documents focus on Smart Cards in general and not payment cards. Therefore the aim of this article is to explain ATR in relation to EMV/NFC technology. The ATR message contains information on proposed card communication parameters, card’s manufacturer or issuer, application selection options, country code and more. Layout of this message conforms with ISO/IEC 7816 and can be retrieved by a card reader (sReaderState.cbAtr). A card lodges a data message in its memory upon power up. One of the least explored areas of EMV lays in initial stages of terminal to card communication.
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