Detailed Summary of EMV Card Data

EMV Tag Acronym Name Description Format Length Example Mandatory
42 IIN Issuer Identification Number (IIN) The number that identifies the card issuer/bank. The first few digits of the Primary Account Number (PAN) n 6 6 452071 No.
9F06 AID Application Identifier (AID) - Terminal Identifies the application as described in ISO/IEC 7816-5. Note the source is from the terminal b 5-16 A0000000031010 No
50   Application Label Mnemonic associated with the AID. according to ISO/IEC 7816-5 ans with the special character limited to space 1-16 VISA DEBIT No
5A PAN Application Primary Account Number Valid cardholder account number. cn variable up to 19 1-10 123456XXXXXX3456 Yes
5F20   Cardholder Name Indicates cardholder name according to ISO 7813 ans 2-26 2-26 U R STUCK No
5F24   Application Expiration Date Date after which application expires n 6YYMMDD 3 170731 Yes
5F25   Application Effective Date Date from which the application may be used n 6 YYMMDD 3 150701 No
5F28   Issuer Country Code Indicates the country of the issuer according to ISO-3166 (numeric) n 3 2 124 No
5F2D   Language Preference 1–4 languages stored in order of preference, each represented by 2 alphabetical characters according to ISO 639 an 2 2-8 en No

EMV Tag Notes

EMV Tag Notes
42 This is the same as the first six digits of the PAN; hence it offers no further information. As this is essentially the BIN, it is not unique to a Customer other than determining the Bank/Issuer of the card.
9F06 Terminal selects the AID according to what is available on the ICC. For a particular region, for example Canada, there will usually be 3-5 choices here with the majority falling within 3 of them …
50 As above …. Really payment type by card.
5A Masked in order to prevent falling under PCI certifications.- First 6 and last 4 digits used only. This is a key unique identifier
5F20 This is especially true for contactless transactions where a “ /” is usually substituted. Cardholder name can usually be retrieved via the Get Processing Options command only. For tap and go transactions, this may not offer any unique information.
5F24 Should always be used.
5F25 Not commonly used.
5F28 Except for border towns, majority of cards will all be the same number.
5F2D Most regions would assume terminal language. Only those cases of out of area/region Customers would this be important.
Format Description
n binary coded decimal
two digits per byte
left-padded with zeros
cn compressed numeric
compressed binary
two digits per byte
right padded with F’s
b binary
big endian integer, fixed length
not necessarily on byte boundaries
ans alphanumeric special data elements
contained in a single character per byte
an alphanumeric data elements
contained in a single character byte