What it is
The Application Interchange Profile (AIPApplication Interchange ProfileEMV tag 82 — a bitmap of the functions the card supports (SDA/DDA/CDA, cardholder verification, and more).View in glossary →) is a 2-byte bitmap the card returns in GET PROCESSING OPTIONS to declare which functions it supports: SDAStatic Data AuthenticationOffline check where the terminal verifies a fixed issuer signature over static card data. It cannot prove the card is live, so it is vulnerable to cloning and replay.View in glossary →, DDADynamic Data AuthenticationOffline check where the card signs unique, per-transaction data with its own private key — proving the chip is genuine and not a clone.View in glossary →, CDACombined DDA / Application Cryptogram generationThe strongest offline authentication: the card signs the dynamic data and the transaction cryptogram together in one step, preventing tamper (“wedge”) attacks.View in glossary →, cardholder verification, terminal risk management, issuer authentication, and on-device CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary →.
The terminal reads these bits to decide which offline data authentication method to attempt and whether to run CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → and risk management. Byte 2 is reserved for the contactless specifications: in Kernel 2 bit 8 means EMV mode is supported and bit 1 that the Relay Resistance Protocol is supported.
Where it appears
Returned by the card in the GET PROCESSING OPTIONS response, at the start of the transaction.
Specification reference
Defined in: EMV 4.x Book 3 (Application Specification), Annex A — Data Element Dictionary
Bit-level definitions below follow: EMV 4.4 Book 3, Annex C1, Table 41 (byte 1); EMV Contactless Book C-2 Annex A (byte 2) — Application Interchange Profile (2 bytes)
Bit & value breakdown
EMV 4.4 Book 3, Annex C1, Table 41 (byte 1); EMV Contactless Book C-2 Annex A (byte 2) — Application Interchange Profile (2 bytes)
Byte 1
b8 = 0x80XDA supported (EMV 4.4; RFUReserved for Future UseBits or bytes with no current meaning, reserved by the spec; they must be set to zero. in earlier versions)b5 = 0x10Cardholder verification is supportedb4 = 0x08Terminal risk management is to be performedb3 = 0x04Issuer authentication is supportedb2 = 0x02On device cardholder verification is supportedByte 2 — b8 reserved for the EMV contactless specifications; b7–b1 RFU in Book 3
b8 = 0x80EMV mode is supported — Kernel 2 (Mastercard) and Kernel 4 (Amex); Kernel 3 (Visa) does not rely on itb7–b2RFUReserved for Future UseBits or bytes with no current meaning, reserved by the spec; they must be set to zero. — must be 0b1 = 0x01Relay resistance protocol is supported — Kernel 2 (Mastercard, Book C-2)Example values
3900DDA, cardholder verification, terminal risk management and CDA supported
1980Cardholder verification, terminal risk management and CDA; byte 2 bit 8 = EMV mode supported (typical Mastercard contactless)
Meaning by contactless kernel
Kernel 3· Visa
Byte 2 bit 8 (EMV mode supported) is defined for Kernels 2 and 4; Kernel 3 (Visa) does not rely on it.