6. Annexure

Annexure 1: Multi-App Command Permissions

Multi-App Command Permissions
Byte/Bit	Definition	Condition	Recommended Value
1/8-3	RFU	Not Used	000000
1/2	0-Updates Initiated by Another Authorized Application Not Allowed	O	Issuer Defined
	Updates Initiated by Another Authorized Application Allowed
1/1	0- Multi-App Commands Not Allowed	O	Issuer Defined
	Multi-App Commands Allowed

Table 46: Multi-App Command Permissions

Annexure 2: Integrated Circuit Cards Specification References

The following International Standards apply to all NEPALPAY Cards:

S.N.	ISO Standard Number	Title
1	7810	Identification Cards – Physical Characteristics
2	7811	Identification Cards – Recording Techniques Part 1: Embossing Part 2: Magnetic Stripe Part 3: Location of Embossed Characters on ID – 1 Card Part 4: Location of Read Only Magnetic Tracks – Tracks 1 and 2 Part 5: Location on Read–Write Magnetic Tracks – Track 3 Part 6: Magnetic Stripe – High Coercivity
3	7812	Identification Cards – Numbering System and Registration Procedures for Participant Identifiers
4	7813	Identification Cards – Financial Transaction Cards
5	7816	Identification Cards – Integrated Circuit Cards with Contacts Part 1: Physical Characteristics Part 2: Dimensions and Locations of the Contacts
6	14443–1	Identification Cards - Contactless Integrated Circuit Cards - Proximity Cards Part 1: Physical Characteristics Part 2: Radio Frequency Power and Signal Interface Part 3: Initialization and Anti-collision Part 4: Transmission Protocol

Table 47: Integrated Circuit Cards Specification References

Annexure 3: Cardholder Verification (CV) Rule Format

CV Rule Byte 1 (Leftmost): Cardholder Verification Method (CVM) Codes

b8	b7	b6	b5	b4	b3	b2	b1	Meaning
0								RFU
	0							Fail cardholder verification if this CVM is unsuccessful
	1							Apply succeeding CV Rule if this CVM is unsuccessful
		0	0	0	0	0	0	Fail CVM processing
		0	0	0	0	0	1	Plaintext PIN verification performed by ICC
		0	0	0	0	1	0	Enciphered PIN verified online
		0	0	0	0	1	1	Plaintext PIN verification performed by ICC and signature (paper)
		0	0	0	1	0	0	Enciphered PIN verification performed by ICC
		0	0	0	1	0	1	Enciphered PIN verification performed by ICC and signature (paper)
		0	x	x	x	x	x	Values in the range 000110-011101 reserved for future use by this specification
		0	1	1	1	1	0	Signature (paper)
		0	1	1	1	1	1	No CVM required
		1	0	x	x	x	x	Values in the range 100000-101111 reserved for use by the individual payment systems
		1	1	x	x	x	x	Values in the range 110000-111110 reserved for use by the issuer
		1	1	1	1	1	1	This value is not available for use

CV Rule Byte 2 (Rightmost): Cardholder Verification Method (CVM) Codes

Value	Meaning
00H	Always
01H	If unattended cash
02H	If not unattended cash and not manual cash and not purchase with cashback
03H	If terminal supports the CVM
04H	If manual cash
05H	If purchase with cashback
06H	If transaction is in the application currency 21 and is under X value
07H	If transaction is in the application currency and is over X value
08H	If transaction is in the application currency and is under Y value
09H	If transaction is in the application currency and is over Y value
0AH - 7FH	RFU
80H - FFH	Reserved for use by individual payment systems

Table 48: Cardholder Verification (CV) Rule Format

Annexure 4: Terminal Verification Result (TVR)

Terminal Verification Result (TVR) - Byte 1 (Leftmost)
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
1	x	x	x	x	x	x	x	Offline data authentication was not performed
x	1	x	x	x	x	x	x	SDA failed
x	x	1	x	x	x	x	x	ICC data missing
x	x	x	1	x	x	x	x	Card appears on terminal exception file
x	x	x	x	1	x	x	x	DDA failed
x	x	x	x	x	1	x	x	CDA failed
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU
Terminal Verification Result (TVR) - Byte 2
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
1	x	x	x	x	x	x	x	ICC and terminal have different application versions
x	1	x	x	x	x	x	x	Expired application
x	x	1	x	x	x	x	x	Application not yet effective
x	x	x	1	x	x	x	x	Requested service not allowed for card product
x	x	x	x	1	x	x	x	New card
x	x	x	x	x	0	x	x	RFU
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU

Terminal Verification Result (TVR) - Byte 3
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
1	x	x	x	x	x	x	x	Cardholder verification was not successful
x	1	x	x	x	x	x	x	Unrecognized CVM
x	x	1	x	x	x	x	x	PIN Try Limit exceeded
x	x	x	1	x	x	x	x	PIN entry required and PIN pad not present or not working
x	x	x	x	1	x	x	x	PIN entry required, PIN pad present, but PIN was not entered
x	x	x	x	x	1	x	x	Online PIN entered
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU

Terminal Verification Result (TVR) - Byte 4
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
1	x	x	x	x	x	x	x	Transaction exceeds floor limit
x	1	x	x	x	x	x	x	Lower consecutive offline limit exceeded
x	x	1	x	x	x	x	x	Upper consecutive offline limit exceeded
x	x	x	1	x	x	x	x	Transaction selected randomly for online processing
x	x	x	x	1	x	x	x	Merchant forced transaction online
x	x	x	x	x	0	x	x	RFU
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU

Terminal Verification Result (TVR) - Byte 5 (Rightmost)
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
1	x	x	x	x	x	x	x	Default TDOL used
x	1	x	x	x	x	x	x	Issuer authentication failed
x	x	1	x	x	x	x	x	Script processing failed before final GENERATE AC
x	x	x	1	x	x	x	x	Script processing failed after final GENERATE AC
x	x	x	x	0	x	x	x	RFU
x	x	x	x	x	0	x	x	RFU
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU

Table 49: Terminal Verification Result (TVR)

Annexure 5: Transaction Status Information (TSI)

Transaction Status Information (TSI) - Byte 1 (Leftmost)

b8	b7	b6	b5	b4	b3	b2	b1	Meaning
x	x	x	x	x	x	x	x	RFU
x	x	x	x	x	x	x	0	RFU
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	0	x	x	RFU
x	x	x	x	0	x	x	x	RFU
x	x	x	0	x	x	x	x	Script processing was performed
x	x	0	x	x	x	x	x	Terminal risk management was performed
x	0	x	x	x	x	x	x	Issuer authentication was performed
0	x	x	x	x	x	x	x	Card risk management was performed
x	1	x	x	x	x	x	x	Cardholder verification was performed
1	x	x	x	x	x	x	x	Offline data authentication was performed
Transaction Status Information (TSI) - Byte 2 (Rightmost)
b8	b7	b6	b5	b4	b3	b2	b1	Meaning
0	x	x	x	x	x	x	x	RFU
x	0	x	x	x	x	x	x	RFU
x	x	0	x	x	x	x	x	RFU
x	x	x	0	x	x	x	x	RFU
x	x	x	x	0	x	x	x	RFU
x	x	x	x	x	0	x	x	RFU
x	x	x	x	x	x	0	x	RFU
x	x	x	x	x	x	x	0	RFU

Table 50: Transaction Status Information

Annexure 6: Approved D-PAS Connect Card Products

Note: This list only contains D-PAS Connect Card products that have been type approved by Discover Global Network. The list of of Approved D-PAS Connect Card Products shall be shared separately and duly be updated into the NCHL site.