Terminal Risk Management Data

What it is

Application-specific value used by the card for risk management purposes (Book 3 Annex A1); its bit layout is defined by the kernel (Book C-2, C-8). EMVCo SB 314/319 (2026) extend the Kernel 2 layout with Deferred Authorisation and Transit Gate bits and a byte reserved for payment systems.

Specification reference

Defined in: EMV 4.x Book 3, Annex A1; bit layout per EMVCo Contactless Book C-2 / C-8

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