EMV Tag Reference
Tools/EMV Tag Reference/9F34
TerminalFormat: bLength: 3
9F34

CVM Results

Tag ID
9F34
Format
b
Length (bytes)
3
Source
Terminal

What it is

CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → Results is a 3-byte record of cardholder verification: the CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → code that was applied (byte 1), the condition under which it applied (byte 2) and the outcome — unknown, failed or successful (byte 3). It is produced after CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → List (8E) processing and feeds risk decisioning and disputes.

Where it appears

Produced by the terminal after cardholder verification; carried in the transaction record.

Specification reference

Defined in: EMV 4.x Book 4 (Cardholder, Attendant & Acquirer Interface), Annex A4

Bit-level definitions below follow: EMV 4.4 Book 4, Annex A4, Table 33 — CVM Results (3 bytes); codes per Book 3 Annex C3, Tables 43–44

Bit & value breakdown

EMV 4.4 Book 4, Annex A4, Table 33 — CVM Results (3 bytes); codes per Book 3 Annex C3, Tables 43–44
Byte 1 — CVM performed (byte 1 of the CV Rule; b7 = 0x40 means “apply succeeding rule if unsuccessful”, so 0x42 = online PIN)
0x00Fail CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → processing
0x01Plaintext PIN verification performed by ICCIntegrated Circuit CardThe chip embedded in the card — i.e. the EMV “chip” itself.View in glossary →
0x02Enciphered PIN verified online
0x03Plaintext PIN verification performed by ICCIntegrated Circuit CardThe chip embedded in the card — i.e. the EMV “chip” itself.View in glossary → and signature (paper)
0x04Enciphered PIN verification performed by ICCIntegrated Circuit CardThe chip embedded in the card — i.e. the EMV “chip” itself.View in glossary →
0x05Enciphered PIN verification performed by ICCIntegrated Circuit CardThe chip embedded in the card — i.e. the EMV “chip” itself.View in glossary → and signature (paper)
0x06–0x0FBiometric — facial, finger, palm, iris, voice; even = offline (by ICCIntegrated Circuit CardThe chip embedded in the card — i.e. the EMV “chip” itself.View in glossary →), odd = online (EMV 4.4)
0x1ESignature (paper)
0x1FNo CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → required
0x3FNo CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary → performed
Byte 2 — CVM Condition code (from the CVM List)
0x00Always
0x01If unattended cash
0x02If not unattended cash and not manual cash and not purchase with cashback
0x03If terminal supports the CVMCardholder Verification MethodHow the cardholder is verified — for example offline PIN, online PIN, signature, or no CVM required.View in glossary →
0x04If manual cash
0x05If purchase with cashback
0x06If transaction is in the application currency and is under X value
0x07If transaction is in the application currency and is over X value
0x08If transaction is in the application currency and is under Y value
0x09If transaction is in the application currency and is over Y value
Byte 3 — CVM Result
0x00Unknown (for example signature, or online PIN)
0x01Failed
0x02Successful

Example values

420300Enciphered PIN verified online (apply next rule if unsuccessful), condition “if terminal supports the CVM”, result unknown — the terminal cannot know the issuer’s PIN check
1F0302No CVM required, condition “if terminal supports the CVM”, successful

Decode & build this tag

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Related tags

8ECVM List9F33Terminal Capabilities95Terminal Verification Results (TVR)
← Previous9F33 Terminal CapabilitiesNext →9F35 Terminal Type