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TIP Guide, Entire Manual

1. 00ccccccccecccceceeeeteeeeeeeteeeeeccnseeeeecnseeeeenseees A 12 MCPS CEE Simulator Log Filenames cccccccccccccccceceeeeteeeeeecnseeeeeenneseesensaees A 13 2007 MasterCard November 2007 e Terminal Integration Process Guide Using this Manual This chapter contains information that helps you understand and use this document PULpOSe nae a a ee eaeene ee tse eeree es 1 PAUIGIGMICS a tttaiinci E EE ea teancaateeatasoetetanes 1 ONEI OW rai a EA AARRE 1 NOO DSa ea e a ta cet cnt E scab E a 2 Excerpted Text e erneer neran aee AEREE EEE EIEEE E E AEE AEAEE AA EEEE EEA ETEA 2 Language USC ignea e ea A E A E O A e A EE otha tite E AAA AAA 3 Times EX PLSSSE Crista nehewultineacasbeannraneehe hedhesietenesicarsnraicbttulcteieitecheabehelienecdtanhreutcnetanbetentes 3 REVISIONS uea ae a aE O mnt E O E E AE E E E ata a sea apse aba atts da O E E cent aioe 4 Related Iintorn atom a secieeetesecs theresa tebeteanteae tech ttehe beens sone neti EEE EEEE E EEEE CEECEE EEES 4 SUPPO ae ag ture an scien atn E E AA 6 Member Relations Representative cecceeeceeeeseeeeeeeeeeneeestueeeeneeeesneeenteeenns 7 Regional Representative ee cececeeseeseseeceneeeneesseesseseneesneestneeseaeeeeereee 7 TIP SUPPOLl oinin A sknigaas saaehaaa saaRiaga AAN 7 2007 MasterCard Terminal Integration Process Guide e November 2007 l Using this Manual Purpose Purpose The MasterCard Terminal Integration Process Guide provides an overview of the
2. 2007 MasterCard Terminal Integration Process Guide e November 2007 1 1 Overview Situating the TIP If the terminal does not support Maestro PayPass it must only support the Nov requirements specified in the M Chip Functional Architecture for Debit and 2007 Credit and the PayPass M Chip Acquirer Implementation Requirements e Ensure that your terminal and in particular its EMVCo approved kernel and or PayPass application meets your business needs e Test your terminal s capabilities in terms of interoperability and detect issues at an early stage thus saving you both time and money Situating the TIP To make the adoption of chip terminals as simple as possible MasterCard has designed a step by step implementation process to facilitate migration of your terminals to chip The TIP is one of the terminal related services available Figure 1 1 illustrates where the TIP fits into an acquirer chip migration process Figure 1 1 TIP within Acquirer Chip Migration Process Network Terminal Interface Integration Validation Process Production End to End Set up Demonstration Key Management 1 2 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview When to Perform a TIP When to Perform a TIP 2007 MasterCard The TIP must be performed when a new terminal is selected for deployment An existing terminal that has TIP approval
3. Cancel L Note Adding the IPM file automatically validates DE55 in the presentment messages assuming that all previous steps are complete 2007 MasterCard Terminal Integration Process Guide e November 2007 4 27 Acquirer Testing TIP Testing for the Clearing Presentment Messages 5 Verify the results Click View and then Log Figure 4 22 Log Function in the MCPS CEE View Menu CEE Clearing Emulation Engine X v Status Bar P il No of Records in File No of Records Processed No of Errors in File Total Records in All Files Records Processed From AII Files Total Number of Errors ASCII without RDW A successful test is when all records in the IPM file are valid as illustrated in Figure 4 23 Figure 4 23 Verify the Log Log View Log File Name Log Data 10 14 55 User Cleared Log File MasterCard Clearing Presentment Simulator Version 07 1 1 10 40 28 Added file C Program Files MasterCard MasterlNQ63 data_meas07_1 history TIP for Clearing PM bo 10 40 28 14 Records Parsed 0 Errors 10 40 28 10 40 28 10 40 28 10 40 28 i typtogram Validation 10 40 28 12 Rg brds Validated 10 40 28 0 Records Invalid 10 40 28 12 pecos yai 10 40 28 10 40 28 DE 55 Contagion EEI Details 10 40 28 10 40 28 DE 55 Cryptogram Validation End 10 40 28 v gt Show Errors Only New Log Clear Log Close L Note MasterCard recommends removing the previou
4. Figure 4 14 Enter TcMonitor Log Filename Save Comms Data As Save in e TcMonitor E Name Size Type Date Mo E comms dat 2KB DAT File 10 4 200 adda PPComms dat 2KB DAT File 9 20 200 MC_PPCO1_t01_s02 dat 2KB DAT File 9 20 200 Desktop lt gt My Network File name MC_PPCO1_t01_s02 dat Places Save as type Comms Data File dat Ba Cancel 2 Type in an appropriate filename using the naming conventions in Appendix A e g MC_PPC01_t02_s01 dat This ensures you have an individual card terminal log per test Click Save to save the file onto your PC 3 When finished saving the log you can clear the log shown in the TcMonitor using from the menu View the option Clear Screen 2007 MasterCard 4 20 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages Saving the MasterCard Authorization or MasterCard Debit a Financial Simulator Logs 1 From the File menu of the Test Results window select Save Log As The window shown in Figure 4 15 is displayed Figure 4 15 Save Credit Debit Network Simulator Logs Save As 2 x Save in Data_Credit05_21 x e ee icons_GUI Sf Pictures_GUI History Processing T 7 Reference h specifications Desktop System User log mdb My Documents REQO2_T21 mdb My Computer ce ti File name MC_REGOT t01_S01 mdb My Network P Save as type Log Data
5. esseeeeeseerssrriserisrersrerssersrri 1 5 PayPass Terminals contactless interface ccccccccceeeeeeeetteeeeeenees 1 6 Dual Interface Terminals acescisasesanoondacsaaaancddaadaseadnontaasiuomiaasaaendeshneadneahin 1 6 Terminal Acquirer Host System Set Up s s ssesessissistssisirtssistrresrrrrrrererne 1 6 Phases in the TIP Workflow cccceccccceccececeeeeneeeceneeeeneeeseneeesteeesneestnreesneeeens 1 7 Phase 1 Acquirer Preparation cuunindhenietaianiahunndndedniatins 1 8 Phase 2 MasterCard Validation eccccecceeeeeeeeeceeeeneeeeeneeesnteeeeteeeenneeenneeees 1 9 Phase 3 TIP Workshop cccccccccceeceeeeceeeeceeteneeeccneeecneeesnueeesnteeenneeesnneeesneeees 1 9 TIP Workshop Objectives eccceeeceeeeeeeeeeeeeeeeeeeeneeecceeeesieeeenieeesnteeeens 1 9 Phase 4 Acquirer Testing ccceecccececceeeeeeeeeneeecnneeeeteeeeteeesteeesnneeesteeenaaes 1 10 Phase 4a TIP Testing for the Authorization or Financial Messages 3 nri rii ii E r EEEE 1 10 Phase 4b TIP Testing for the Clearing Presentment Messages 1 11 Phase 4c Complete and Package TIP Test Results cece 1 11 UCT AUL OMS es EE cas E AE AAE ouch uses E I E 1 11 Phase 5 MasterCard Approval ccccceccccesceeeeeeeceeeeeeneeeenueeesneeesneeesnteenaes 1 12 Tools tor TIP cosie e EE A EEEE EE EERS 1 12 ETEC Easy TEst Cards 0 ccceecccececeecececeeeeeeeeceeeceeeeeneeecnueeesneeeeneeesnieeeeees 1 12 EMV Terminal poore enie en a T E EEEE EEEO 1 12 Pa
6. To view the details of the transaction double click on the left hand marker in either pane PayPass M Chip Transaction To import the card terminal dialogue from the test card onto your PC 1 2 J Make sure the contactless card reader is connected to the PC Open the TcMonitor application on the PC Check if the correct card reader is selected in the TcMonitor in the menu Communications Properties Select the correct card reader on the Card Comms tab Place the card on the contactless card reader From the Commands menu select the option Read Card Log to import the card terminal dialogue data from the test card memory Once the data has been imported it is displayed on screen as illustrated in Figure 4 10 To view details of the transaction single click on the card command or response 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages Figure 4 10 Display of a TcMonitor Log TcMonitor File view Commands Configuration Communications Help Sla AN ZI BI al Fan 5413339000001513 Cardholder SMITH JOHN Exp Date Jul 2012 w Response 77128202588094000801 01001001010118010200 a Read Record 008201140000 a w Response 7081435712541 3339000001 51 3D 1207201 00000000000054 08541 3339000001 51 35F 20045340 49544820444F 4E Read Record 006201100000 lt Response 7081CO8F01F39F 3201039081 901 4E 58069954E
7. Chip or dual interface terminal PayPass Mag Stripe requirements are tested However there is no TIP for PayPass Mag Stripe terminals Terminal Integration Process Guide e November 2007 1 3 Overview First or Additional TIP First or Additional TIP The following two sections describe e First TIP e Additional TIPs First TIP A first TIP is always part of a chip implementation project The project s Chip Implementation Plan includes the activities related to this First TIP A MasterCard Regional Customer Representative is appointed to support you during your implementation project Once you have signed off the Chip Implementation Plan the MasterCard representative contacts the various teams including the TIP team to request testing slots For a first TIP MasterCard provides a two day workshop You must perform one first TIP per terminal type POS and ATM per application EMV or PayPass M Chip Additional TIPs Once you have completed your first TIP you may contact the TIP team directly for all subsequent projects using the TIP mailbox relevant for your region as indicated in Using this Manual For additional TIPs a workshop is not included unless specifically requested by the acquirer Additional TIPs are managed by a TIP Consultant 2007 MasterCard 1 4 November 2007 e Terminal Integration Process Guide Overview Pre requisites for TIP Pre requisites for TIP The following sections describe
8. Figure 4 25 The text OK NOK shown in Figure 4 25 prompts you to indicate the result obtained for that particular item To complete the ACQ Results column you delete the status OK or NOK that does not apply for each item The remaining text Gindicated in green in Figure 4 25 indicates the actual status of each item based on the information obtained from the Smartspy logs and the MasterCard network simulator logs Where appropriate you may add a comment directly after the status OK or NOK to clarify the test results Terminal Integration Process Guide e November 2007 4 31 Acquirer Testing Complete and Package TIP Test Results Figure 4 25 Add Comment After Status Example of ACQ RESULTS Example of ACQ RESULTS as sent by MasterCard as completed by a Test Operator Check against the test criteria Check against the test criteria Test settings Test settings PAN 5413330089010012 OK NOK PAN 5413330089010012 OK Amount is 000000001500 or 000015000000 Amount is 000000001500 or 000015000000 OK NOK OK Issuer simulator ARC 00 OK NOK Issuer simulator ARC 00 OK Terminal behavior Terminal behavior Terminal does not send Internal Authenticate Terminal does not send Internal Authenticate command OK NOK command OK CDOL2 ARC 30 30 OK NOK CDOL2 ARC 30 30 OK Card behavior The card generates a TC in response to 2nd GEN AC OK NOK Card behavior The card
9. Integration Process Guide Overview Phases in the TIP Workflow Phase 2 MasterCard Validation Upon receipt of the correctly completed documents the TIP Consultant e Ensures that the responses given in your Acquirer ICS are in line with MasterCard requirements You will receive an Acquirer ICS Validation Results Summary indicating the results of the analysis e Compares your Acquirer ICS with the Terminal Approval Statements to ensure that they are compatible You will receive an ICS Comparison Results Summary indicating the results of the analysis e Selects the test scenarios specific to your terminal profile e Sends the TIP Test Scenarios you need to perform and the TIP Test Report Template you need to complete to provide the results of the tests Chapter 3 provides detailed explanations of this phase Phase 3 TIP Workshop If this is your First TIP a TIP Consultant comes on site to run a two day workshop This workshop explains the TIP and trains your staff that will actually perform the TIP If you are carrying out an Additional TIP there is no TIP Workshop unless specifically requested TIP Workshop Objectives The objectives of the workshop are to 1 Provide a general overview of the TIP This part of the workshop is a general presentation of the TIP It may be of interest to management as well as to the staff that will perform the TIP 2 Give hands on technical training The technical training c
10. NS MasterCard Europe MasterCard Euro Create Cancel Validate z te T ahs Log Table id SelfTest Select T Create Description Remove Created by HAY Update Created on pa 2 2005 4 34 38 PM Expott 336 Node s Clean Up PAPER tt 3 Click Create to define an empty log file where the MEAS Simulator log will store log data 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages Figure 4 7 MEAS Save Log Select File Look in ETEC tests et EE 4 Fa MC_REQO1_t02_S01 mdb My Recent Documents File name MC_REQO1_t02_SO1 mdb i My Network Files of type Log Database mdb Places I Open as read only 4 In the File name field input the name of the empty log database using the naming conventions defined in Appendix A e g C_LREQO1_t02_S01 mdb All the authorization data related to the TIP test is saved in the newly created log file e g MC_REQO1_t02_S01 mdb 5 Go to the section Running the Transaction Running the Transaction The transaction is performed as described in the TIP Test Scenario using the designated ETEC test card Gs EMV Transaction This section provides limited information regarding specific actions that must be performed using the Smartspy tool For detailed information consult the User Manual provided with the Sma
11. Net MasterCard network systems using the CIS AS2805 or V5 authorization format and to the Global Clearing Management System GCMS using the IPM clearing message format The interface to GCMS shall only be tested if you are sending DE 55 ICC system related data in clearing presentment messages The TIP applies to EMV PayPass M Chip and dual interface terminals A dual interface terminal supports both EMV contact technology and PayPass contactless technology in one terminal In this case PayPass contactless technology is either embedded in the terminal or resides in an external card reader attached to the terminal The objectives of the TIP are to e Ensure that your terminal meets MasterCard brand requirements as specified in Table 1 1 Table 1 1 MasterCard Brand Requirements Symbol Requirement M Chip Functional Architecture for Debit and Credit available on MasterCard OnLine PayPass M Chip Acquirer Implementation Requirements a a 0 p j pass available on www paypass com and Maestro PayPass Acquirer Implementation Requirements 1 MasterCard and Maestro Europe region acquirers must supply the correct chip data in their first presentment messages for intra European chip transactions as of April 1 2007 as described in the European Operation Bulletin No 1 dated 3 January 2006 2 The Maestro PayPass Acquirer Implementation Requirements document can be obtained by sending an email to specificatins paypass com
12. TIP Test Scenarios have the same structure and appearance Table 4 1 shows an example of a TIP Test Scenario Table 4 1 Example of TIP Test Scenario REQO1 MASTERCARD Test 02 Scenario 01 PEP To ensure that the terminal is able to receive and correctly transmit the issuer decision Objective es in its final environment of use Applicability Terminal supports MasterCard Conditions Terminal is not offline only Documentation Transaction Online Type Credit Debit Online Test Yes Reference See document 6 Chapter 10 9 EMV Online processing Card configuration The AIP tag 82 returned by the ICC during GET PROCESSING OPTION command indicates that ICC does not support Offline Data Authentication tag 82 18 00 gt EXTERNAL AUTHENTICATE command is not supported Please use the following test card REQO1 MasterCard 5 0 A Insert card in the chip reader and follow the instructions Configuration User Action Amount must be equal to 000000001000 or 000010000000 For REQO1 MasterCard 5 0 A test card PIN value is 4315 if requested Issuer response message Simulator Response code DE039 00 transaction accepted IAD is present DE55 field 91 Issuer script none Pass Criteria MasterCard application is selected and the terminal requests an online authorization In online authorization request amount other field DE 55 PDS 9F03 must either contain 0000000
13. after the TIP it is essential that you inform the TIP team accordingly 2007 MasterCard Terminal Integration Process Guide e November 2007 5 3 2007 MasterCard Naming Conventions This appendix indicates the naming conventions to use during all exchanges related to your TIP TIP INFO Filename noiai ai E EE EEEE EE TEER A 1 TIP Acquirer ICS Filename cccccccccccccccccecceeceseeeeeecsseeeecesseeeeensseeeeecnseeessnnneees A 1 Single Iteration s ssesssesseisseistttttttt ttti striette Stt St tESEEESEEEESEEEESEEESEEEES EEES EEES EEEn Ea A 2 TWO Iterations oenen iEn En rA ERARA AREARE REAREN A 4 TIP Test Report Ml a o i 16 gt eee ee nro ee re arene ree ore eeeere nee Sree eee rren A 6 sighed omic kG eee ee een ener n cee cee ee eee ee ee ne ee ee A 6 TE WO MELA ODS ccccccscetzdesnnscaneesceenstanncanenecaeneteanpaccene catgaesanoasdenpssenatesanniceneaces A 8 Card Terminal Log Filenames 0 ccccccccceeceeeeeeeeceeeeeeeeeeceneeecueeseneeestneeeeneeees A 10 MasterCard Authorization and MasterCard Debit Financial Simulator Aor eae Es Cesetcb 06 Cots pare eer eee Re ee Re ee eer ee ee A 11 MEAS Simulator Log Filenames 0 cccceccceeeceeeeeeeeeeeeeeceneeesneeeeeneeeenieeeeneeenns A 12 MCPS CEE Simulator Log Filenames cccccccccecceeeeeeeceeeeeeteeeeneessureeeneeenns A 13 Terminal Integration Process Guide e November 2007 A i Naming Conventions TIP INFO Filename TIP INFO Filename The TIP INF
14. amp Network Configuration Document completed and sent to appropriate TIP mailbox EMVCo approvals including the ICS sent to the appropriate TIP mailbox Relevant version of ETEC Cards Subset 1 and Field Interoperability Subset available Most recent version of the MasterCard Network Simulator installed Most recent version of the MOPS installed if applicable O0 OIO O OO OOD As applicable the relevant paths to the authorization financial and clearing systems are established For an EMV Terminal EMVCo approvals including the vendor ICS sent to the appropriate TIP a mailbox u Relevant version of ETEC Cards Subset 1 and Field Interoperability Subset available m Smartspy application installed Panass For a PayPass Terminal PayPass approvals including the vendor ICS sent to the appropriate TIP mailbox Nov Relevant version of ETEC Cards Subset 6 subset 8 and Maestro PayPass 2007 ETEC subset if applicable available TcMonitor application installed m hss For a Dual Interface Terminal All of the above mentioned actions for both EMV Terminals and PayPass Terminals have been completed Q 2007 MasterCard Terminal Integration Process Guide e November 2007 2 11 MasterCard Validation This chapter describes the various actions that the TIP team performs in order to validate the information you provided during the preparation phase V
15. an Excel file composed of three worksheets as described in Table 2 2 Table 2 2 Acquirer ICS Worksheet Description ACQ_ICS The questions cover the following areas e Administrative and regional information e Applications supported e Terminal type e Print and display options e Online offline capabilities e Authentication methods e Terminal Action Codes TACs MDB_References For MasterCard use only Must not be modified ACQ_ICS_HELP Provides tips on how to complete the Acquirer ICS Ga PAs For a dual interface terminal you must complete two Implementation Conformance Statements i e one for the EMV related functionality of your terminal and another for the PayPass related functionality Terminal Action Codes An essential element of information that you provide in the Acquirer ICS is the set of Terminal Action Codes TACs The TACs tell the terminal how you want the transaction to be processed in specific situations e g card authentication failure expired application etc To ensure that specific brand requirements are properly handled during terminal risk management MasterCard has specified required values and settings for the TACs 2007 MasterCard Terminal Integration Process Guide e November 2007 2 3 Acquirer Preparation Providing Information to MasterCard Pass For EMV Terminals this information is provided in the M Chip Functional Architecture for Debit and Credit available on Mast
16. during a test These may include Nov 1 Card name that can be used for the specific test 2007 2 Enter a PIN use the number specified in the User Action row according to the card use 3 Enter an amount use the amount specified in the User Action row You must use the correct PIN or amount to force the correct response from the MasterCard network simulator The amount value follows the ISO 4217 specifications If the amount indicated is equal to 000000001500 and the currency is EUR you must enter 15 This is because the currency field automatically includes a 2 digit exponent and you must not input leading zeros Simulator Configuration For authorization or financial message testing the Simulator Configuration section describes the response expected from the MasterCard network simulator which acts as the issuer 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Testing Running the TIP Test Scenarios If the response you receive is different you should check that you sent the correct PAN and amount to the MasterCard network simulator based on the combination of PAN and amount the MasterCard network simulator automatically selects the appropriate type of response it should send back For clearing message testing the Simulator Configuration section describes the additional setup of the MCPS simulator Pass Criteria The Pass Criteria describes all the criteria that must be met fo
17. filename to MBR e Increment the iteration number to 02 Once all tests are successfully completed the TIP Consultant e Changes the end of the filename to MCD e Does not change the iteration number e Adds Final to indicate that TIP was successful e g TIP_ICC_061206 121212_MBR_Final_02 xls 2007 MasterCard A 8 November 2007 e Terminal Integration Process Guide Naming Conventions TIP Test Report Filename Figure A 4 Two Iterations MasterCard Acquirer files use extension MCD files use extension MBR Indicate tests to e run TIP_ICC_061206_121212_WiICD_00 xIs Run tests Send TIP Test e 6 TIP_ICC_120612_121212 MBR_O1xis RePortand logs Validate 8 Ie Results T Ey ni A T o i O e ms e e Indicate 8 1 tests to Hi be re run 8 TIP_ICC_061206 121212 MCD_01 xls Re run tests Re validate Results TIP_ICC_061206_121212_MBR_02 xls Re send TIP Test Report and logs Zo APaAamMaA TIP_ICC_061206_12212_NICD_ 02 Finalxls Send Final Test Report Test Report 2007 MasterCard Terminal Integration Process Guide e November 2007 A 9 Naming Conventions Card Terminal Log Filenames Card Terminal Log Filenames When you save the card terminal log for each test you should name it as follows PD_RQ _T _S txt Where e PD is the card product name MC MasterCard MS Maestro CI Cirrus e RQ is the ET
18. generates a TC in response to 2nd GEN AC OK The transaction is approved OK NOK The transaction is approved OK TVR 8000008000 TSI 6800 TVR 8000008000 CVMR 410302 TSI 6800 CVMR 410302 L Note Please ensure that you do not modify any of the data provided by MasterCard except for removing OK or NOK as appropriate 2007 MasterCard 4 32 November 2007 e Terminal Integration Process Guide Acquirer Testing Complete and Package TIP Test Results ACQ STATUS In this column you should indicate your assessment of status of the test using the criteria detailed in Table 4 8 Table 4 8 ACQ STATUS Criteria Criteria Description OK The results match the test criteria as described in the Test Scenario PENDING You do not have all the elements to run the test or to provide a test analysis e g the specific environment is not yet ready NOK The results do not match the test criteria as described in the Test Scenario N A The test is not applicable If you use this status explain why you feel that the test does not apply to your terminal Saving the TIP Test Report You must save the TIP Test Report using the naming conventions provided in Appendix A Sending TIP Test Report and Logs to the TIP Team When you have completed all the TIP Test Scenarios saved the corresponding card terminal and MasterCard network simulator logs you must send the following files to the relevant TIP regiona
19. have the most recent version you must download the updates via MasterCard OnLine Obtaining the Most Recent Version of the MCPS If you are performing the TIP testing for Clearing Presentment messages you must ensure that you have the most recent version of the MCPS As indicated in the MasterCard Clearing Presentment Simulator guide customers must use the MasterCard supplied and approved Clearing Presentment Simulator when testing directly with MasterCard or when required to submit test results to MasterCard which is the case when doing TIP testing If you do not have the most recent version you must download the updates via MasterCard OnLine 2007 MasterCard 2 8 November 2007 e Terminal Integration Process Guide Acquirer Preparation Configuring the Terminal Configuring the Terminal Terminal Pre requisites The following sections list the pre requisites for any terminal undergoing TIP T EMV Terminal The following pre requisites apply for an EMV Terminal e EMVCo Letter of approval for Level 1 e EMVCo Letter of approval for Level 2 for the specific terminal configuration e TQM Label for the terminal Cor the Vendor must have started the Terminal Quality Management process and provide the reference of the TQM Action Plan e Parameterization according to the M Chip Functional Architecture for Debit and Credit Palas PayPass Terminal The following pre requisites apply for a PayPass terminal e PayPass Lett
20. main phase of the TIP workflow Table 1 2 Phases of the TIP Workflow Phase Name l Acquirer Preparation 2 MasterCard Validation 3 TIP Workshop 4 Acquirer Testing 5 MasterCard Approval A brief description of each phase is provided in the following sections Detailed explanations are provided in subsequent chapters Phase 1 Acquirer Preparation When you are ready to start a TIP you contact the TIP Team The TIP Team provides all the necessary documentation and forms for the project All forms must be completed and sent to the appropriate TIP mailbox together with the required terminal approval statements This includes the e TIP Information Form A form requiring your contact details and terminal information e Acquirer Implementation Conformance Statement ICS A form requiring your bank s functional requirements such as applications supported terminal type online offline capabilities etc e Terminal and Network Configuration Document A form requiring an overview of your acquirer acceptance environment and various intermediate connections between the terminal and the MasterCard network e Terminal Approval Statements Documentation from your vendor to MasterCard with proof of EMVCo and or PayPass terminal approval Letter of Approval and technical details Vendor ICS of the selected terminal Chapter 2 provides detailed explanations of this phase 2007 MasterCard November 2007 e Terminal
21. the TIP Test Report Completes the four new columns with the findings of the TIP team Color codes the rows corresponding to each test scenario based on the evaluation of the results Sends the TIP Test Report back to you to confirm successful completion of the tests or to indicate errors to be corrected which triggers an iteration of the process as explained in the section Iterations TIP Test Report Additional MasterCard Columns The four columns added to the TIP Test Report by the TIP Team are described in Table 5 1 Table 5 1 Columns Added to TIP Test Report Column Name Description MC Results Contains the same data as ACQ Results The TIP Consultant checks the information provided by you in the ACQ Results field and indicates any differences in findings MC Status See the section MC Status for more details Test Status Once a test is given the MC Status passed it is assigned the Test Status closed Otherwise it remains open Test Status Date Date on which MasterCard makes a decision on the test results 2007 MasterCard Terminal Integration Process Guide e November 2007 5 1 MasterCard Approval Iterations Iterations MC Status In the MC Status column the TIP Consultant indicates the MasterCard status for the test Table 5 2 provides an explanation of each status Table 5 2 MC Status MC Status Meaning Action PASS The results match th
22. the pre requisites for TIP e Successful completion of Network Interface Validation e Selection of an approved terminal e Terminal acquirer host system set up Successful Completion of Network Interface Validation Before starting the TIP you must have successfully completed Network Interface Validation testing as shown in Figure 1 1 Selection of an Approved Terminal You must ensure that you select a terminal that e Thoroughly meets your business needs e Passed the required tests and the vendor obtained the required letters of approval as listed in the following sections During the TIP the TIP Consultant examines the terminal capabilities you have selected and communicate the findings to you EMV Terminals contact interface For EMV Terminals you should ensure that they have e Passed EMVCo Terminal Type Approval Level 1 e Passed EMVCo Terminal Type Approval Level 2 e Obtained the TQM Label or the vendor must have started the Terminal Quality Management process and provide the reference of the TQM Action Plan If you have not selected your EMV Terminal yet MasterCard recommends that you select a terminal from the M Chip Approved Products list in the Smart Card category of Member Publications on MasterCard OnLine 2007 MasterCard Terminal Integration Process Guide e November 2007 1 5 Overview Pre requisites for TIP Palas As Term PayPass Terminals contactless interface For PayPass Terminals y
23. 00000 or must not be present Even though an IAD is sent by the issuer the card must not receive an EXTERNAL AUTHENTICATE command after the first GENERATE AC as Issuer Authentication using External Authenticate is not supported by the card TVR byte 1 bit 8 1 gt Offline data authentication was not performed The transaction will be approved Note N A Each row of the TIP Test Scenario is described in detail the following sections 2007 MasterCard 4 2 November 2007 e Terminal Integration Process Guide Nov 2007 Nov 2007 Acquirer Testing Understanding the TIP Test Scenarios Header Scenario Identification Information The following sections describe the header information ETEC Test Identification Nov The top left cell identifies the TIP test name e g REQO1 MASTERCARD 2007 Test Number The top middle cell indicates the number of the Test e g Test 02 There may Nov be more than one test for the same TIP test name The Test Number is linked 2097 to the Objective in the scenario details Scenario Number The top right cell indicates the number of the scenario e g Scenario 01 There may be more than one scenario per test The scenario number is linked to the Applicability Conditions in the scenario details Body Scenario Details The following sections describe the body information Objective Nov The Objective section describes the specific purpose of the test In
24. 07 Debit and Credit PayPass M Chip Acquirer Implementation Requirements and Maestro PayPass Acquirer Implementation Requirements The ETEC cards are grouped into different subsets to allow targeted testing For the TIP the following subsets are used T EMV Terminal The following subsets are used for an EMV terminal e ETEC Subset 1 designed to test acceptance of MasterCard branded cards in a cross border transactions context e ETEC Field Interoperability Subset designed to reproduce specific interoperability issues that have occurred in the field They allow you to ensure that your terminal can handle acceptance correctly to avoid these issues in the field 2007 MasterCard 1 12 November 2007 e Terminal Integration Process Guide Palase 2007 MasterCard Overview Tools for TIP PayPass M Chip Terminal The following subsets are used for a PayPass M Chip Terminal PayPass M Chip ETEC subset 8 designed to ensure that the terminal is able to manage the PayPass technology according to MasterCard requirements for PayPass M Chip PayPass Mag Stripe ETEC subset 6 designed to ensure that the terminal is able to manage the PayPass technology according to MasterCard requirements for PayPass Mag Stripe A TIP for a PayPass M Chip terminal also includes the testing of PayPass Mag Stripe transactions Nov Maestro PayPass ETEC subset designed to ensure that the terminal is able to 2007 manage the PayP
25. 5 MasterCard Network Simiulato tic cciccntsiciniaccnianasieenaenmnaanenacies 1 16 MasterCard Clearing Presentment Simulator MCPS ccccccceeetseeeeteees 1 17 Acquirer Preparation Providing Information to MasterCard ccccccccccecccceseeceseeeeeetteeeeenneeeeeenneeeeeees 2 1 TIP Information FOr ceccececeeceeecececeeeeceeecneeeeeneeeeeeeeecnueeecteeeenneeessieeeeaes 2 1 Acquirer Implementation Conformance Statement 2 3 EMVCo Terminal Type Approvals ccccccccescceceeeeeeneeeeneeesteeeeneeestneeenteeees 2 5 PayPass Terminal Type Approvals 0 cccccccccccssecctseeseeseteeeeescnsseeesennteeeeees 2 7 Terminal and Network Configuration DOCUMENL 0 ceccceeteeeettteeeees 2 7 Obtaining Relevant Version of ETEC Cards ccccccccccccecsesteeeeensteeeesnteeeeenies 2 8 Obtaining the Most Recent Version of the MasterCard Network Simulator 2 8 Obtaining the Most Recent Version of the MCPS cccccccceceeceseeteeeeetteeeeeeees 2 8 Configuring the Terminal 00 cccccccccccccecesceeeeeeseeeeecsseeeecnsteeesentteeeeesnseeeeseas 2 9 Terminal Pre requisites 0 ccceccceeecceeecceeeeneeecnneeecneeeeseeesteeesneeeenneeesseeeenaes 2 9 Configuring the Terminal svrsi iunat SEANN SASAS 2 10 HP Checklistor E E ae eanen 2 11 2007 MasterCard November 2007 e Terminal Integration Process Guide Chapter 3 Chapter 4 2007 MasterCard Table of Contents MasterCard Validation Validation SEPS iia E E E
26. 78970433F50D 80693994 3BE 847E 58833461 5E 4FE948D 153486 Read Record 00B2021C0000 w Response 7081939381 902940 C322E 20E 1F3428508F 4D 77A6B 5509506E 3474561 24C5F 7C2633FE58F 781 52548F 61 CF 40 Generate AC1 S04E S0002300000000050000000000000000560000001 000097806091 3001 60948202200005E 030000 b8 b7 10 ARQC returned b4 0 no advice required b3 b2 b1 000 no information given App Trans Counter ATC 9F36 02 00 37 Application Cryptogram AC 9F26 08 90 Dl 49 73 4D 16 47 94 Issuer App Data IAD 9F10 12 01 10 40 00 03 22 00 00 00 00 00 00 OO O00 52 00 0l FF v gt Source PC SC SCM Microsystems Inc SDI010 Contactless Reader 0 S 2007 MasterCard Terminal Integration Process Guide e November 2007 4 17 Acquirer Testing TIP Testing for the Authorization or Financial Messages Saving the Card Terminal Log The imported card terminal log can now be saved onto the PC MasterCard requires you to send this log together with the TIP Test Report for approval L Note There must be one corresponding log file for each test scenario If your TIP entails 75 test scenarios you must send 75 separate card terminal log files back to the TIP Team for validation Gi EMV Transaction To save a Smartspy log 1 In the File menu select Save You are prompted with the screen shown in Figure 4 11 Figure 4 11 Save Smartspy Log Step 1 P Select a save option a Allin one file 2 From the dr
27. ACQ ICS_ICC_070425 112349_MBR_01 xls where e MBR indicates that you have updated the Acquirer ICS e 01 indicates the iteration number If there are issues with any of the Acquirer ICS responses the TIP Consultant provides information regarding the issues and e Changes the end of the filename to MCD e Does not change the iteration number to indicate a response to the MBR_01 File You update the Acquirer ICS accordingly and e Change the end of the filename to MBR e Increment the iteration number to 02 Once the Acquirer ICS is validated the TIP Consultant e Changes the end of the filename to MCD e Does not change the iteration number e Adds Final to indicate that TIP was successful e g ACQ ICS_ICC_070425 112349_MBR Final_02 xls 2007 MasterCard A 4 November 2007 e Terminal Integration Process Guide Naming Conventions TIP Acquirer ICS Filename Figure A 2 Two Iterations MasterCard Acquirer files use extension MCD files use extension MBR Empty Acquirer ICS s Acq ICS_ICC_070425_112349_MCD_00 xls Fill in the Acquirer ICS Send the ee eee ee ee ee ee ee g ba t AcgCS_ICC_070425_112349_MBR_01 xls Acquirer ICS s Validate the o Acquirer ICS Ts E4 i R A Ts 6 l e e e 3 o Ni 1 e AcgICS_ICC_070425 112349 WICD_04 xls e i Update the z Re validate i Acquirer ICS i e Acq ICS_ICC_070425 112349 MBR_02 xls ICS R
28. C application 2007 MasterCard Terminal Integration Process Guide e November 2007 1 15 Overview Tools for TIP You use the TcMonitor during TIP testing to e Display and save the transaction data exchanged between the ETEC cards and your terminal by reading the data captured on the card e Analyze the results of each transaction to ensure that the test results match the test criteria MasterCard Network Simulator Choice of MasterCard Network Simulator s Nov During the TIP you use the ETEC cards in conjunction with the MasterCard 2007 network simulator applicable to the message formats you are using to interface with the MasterCard network e MasterCard Authorization Simulator for the Customer Interface Specification message format e MasterCard Debit Financial Simulator for the MasterCard Debit Switch ISO 8583 1987 message format e MasterCard European Authorization Simulator MEAS for the V5 Interface Specifications message format Benefits of MasterCard Network Simulators In addition to performing the same type of data integrity checks as the authorization network the MasterCard network simulator acts as the issuer and generates authorization responses Updating MasterCard Network Simulators The MasterCard network simulators are updated on a regular basis in accordance with the authorization financial system releases You must ensure that you have the most recent version of the MasterCard network simulator when p
29. E nna mann 3 1 Validation of Acquirer ICS iii nitiientirtiedattisiienis EEEE 3 2 Comparison of Acquirer ICS and Vendor ICS eerren 3 2 Selection of TIP Test Scenarios 0 ccccecceeeceeeeeeeteneeeeteeenteeetsneeestneeesneeees 3 2 Creation of TIP Test Report Template cccceccceeeceeeeeeeeeeteeeeeeeeetneeeeneeees 3 3 Creation of the TIP Test Procedure eccceccceeceeeeereeseteeeeceeeesneestiteeeneees 3 3 Acquirer Testing THOU UAC ENG cette ores ata eek svete ah ess see ates des E E ea AE E A 4 1 Understanding the TIP Test SCemarios cccccccccceeteceeeteeeeecteeeeesnsteeeenneeeeeens 4 2 Header Scenario Identification Information 1 0 0 0 cceeceeteeeeeeeeteeeeteees 4 3 Body Scenario Details ccccccccccccccccceeneeeeeesseeeesnseeeesnseeeesnsieeeeenseeeeees 4 3 Running the TIP Test SCemari0s ccccccccccccceeeeeeeeeneeeeecnseeeeecnsereeeensneeeesnneeeeees 4 5 TIP Testing for the Authorization or Financial Messages 4 6 TIP Testing for the Clearing Presentment Messages ccccccccceseeeeeteteeeees 4 7 Complete and Package the TIP Test Resullts 0 ccccccessccesetseeeettteeeenees 4 8 TIP Testing for the Authorization or Financial Messages ccccccceeeeeeeeeeteeeees 4 9 Test Environment Setup with the MasterCard Network Simulator 4 9 Deleting Previous MasterCard Authorization or MasterCard Debit Financial Simulator LOGS seniii iiien Ena EEE E eia 4 10 Creating the MEAS Simulator LO
30. EC card number e g REQO1 REQO2 Interop12 PPSO1 PPCO2 etc e T is the test number e g T01 T02 etc e S is the scenario number e g S01 S02 etc An example of a Card Terminal Log filename is MC_REQO1_t02_s01 txt The log filenames do not have an iteration number as they are always sent together with the TIP Test Report which has a unique identification 2007 MasterCard November 2007 e Terminal Integration Process Guide Naming Conventions MasterCard Authorization and MasterCard Debit Financial Simulator Log Filenames MasterCard Authorization and MasterCard Debit Financial x Simulator Log Filenames a When you save the MasterCard Authorization or MasterCard Debit Financial simulator log you should name it as follows PD_RQ T S mdb Where e PD is the card product name MC MasterCard MS Maestro CI Cirrus e RQ is the test requirement number e g REQO1 REQO2 Interop12 PPS01 PPCO02 etc e 6T is the test number e g T01 T02 etc e S is the scenario number e g S01 S02 etc Nov An example of a MasterCard Authorization Simulator Log filename is 2007 MC_REQO1_t02_S01 mdb 2007 MasterCard Terminal Integration Process Guide e November 2007 A 11 Naming Conventions MEAS Simulator Log Filenames MEAS Simulator Log Filenames When you save the MEAS Simulator log you should name it as follows PD_RQ T mdb or PD_RQ _T _S tre Where e PD is the card product name MC MasterCar
31. O Filename contains TIP_INFO which identifies the TIP step concerned ICC or PPC depending if the TIP is EMV contact or PayPass related The TIP Activity Number explained in Chapter 2 The end of the filename indicates whether the file is from MasterCard MCD or the acquirer MBR The iteration number of the file exchange The TIP Acquirer ICS Filename and TIP Test Report Filename are managed similarly TIP Acquirer ICS Filename The TIP Acquirer ICS Filename contains ACQ ICS that identifies the TIP step concerned ICC or PPC depending if the TIP is EMV contact or PayPass related The TIP Activity Number explained in Chapter 2 The end of the filename that indicates whether the file is from MasterCard MCD or the acquirer The iteration number of the file exchange Figure A 1 and the Single Iteration section illustrate the filenames for a TIP Acquirer ICS completed in a single iteration Figure A 2 and the Two Iterations section illustrate the files names for a TIP Acquirer ICS completed in two iterations 2007 MasterCard Terminal Integration Process Guide e November 2007 A 1 Naming Conventions TIP Acquirer ICS Filename Single Iteration The TIP Team sends the TIP Acquirer ICS with _MCD_00 at the end of the filename e g ACQ ICS_ICC_070425 112349_MCD_00 xls where e MCD indicates that the report is sent by MasterCard e 00 indicates that the report is empt
32. OnLine e On the MasterCard Electronic Library CD ROM MasterCard Worldwide 2200 MasterCard Boulevard O Fallon MO 63368 7263 USA 1 636 722 6100 www imastercard com 2007 MasterCard Terminal Integration Process Guide e November 2007 Publication Code TIP Table of Contents Using this Manual Chapter 1 2007 MasterCard PULP OSS a 1 AUGIEN CE viii in nanaminuiuia amanda niaatamuneanus 1 COVELVICW ecccccenecenctecccencesceesneesceesneeeneesneneneeeneeenensneeenensneeeneesneneateneagsasnaastaamianneasstaicad 1 Notations 000 ne 2 Excerpted Text ccccccccceecccececeeceeeeeeneeecneeeecneeeeseeecceeeeneeesnueeeccesesneeesiieeesneeeesees 2 Language USC oo cc eee eee eee nee reece eee Ee Eee eee needa eee eeeeeeeaaaaaeeeeeeeeeeeaaaaeees 3 Times Expressed ccccecccececeeeeceeeeeceeecneeceneeeceeeeecneeeceueeecceeeeceeesnueeesneeenteeesnieeeeaes 3 REV S ONS ce 4 Related TAOMAN ON eee ini EE EEE E REEERE S 4 UT 6 2 6 1 Renee ee ene ERE ERA ERE RENEE MERE EART SERENE E CRE re eee 6 Member Relations Representative cccccccceeeeeeeeeeeeeeeeeeeeesteeeecteeenteeesnteeeens 7 Regional Representative ceccceecccececeeeeeeeeceeeeeceeeeeeteeecsueeesneeesenneeeenneeeenieeenas 7 TIP SUPPOTt aind A AAAA 7 Overview What is the Terminal Integration Process ccccccccccsccccseteeeecesneeeeeetseeeesenteeeeees 1 1 Situata o e Od FS ee ee ee eee 1 2 When to Perform a TIP cccccececceceeeeeceeeeeeeeeeceeeeeeneeeee
33. Return to Menu Ca MasterCard Worldwide Information about this Replacement Replacement The November 2007 Terminal Integration Process Guide EMV and PayPass replaces your existing document What is in the This new version introduces information relating to Maestro New version PayPass and the clearing of ICC system related data It also provides updated information on the preparation phase and acquirer testing Please refer to e Summary of Changes for a comprehensive list of changes reflected in this update e Using this Manual for a complete list of the contents of this manual Questions If you have questions about this manual please contact the Customer Operations Services team or your regional help desk Please refer to Using this Manual for more contact information MasterCard is Please take a moment to provide us with your feedback about the Listening material and usefulness of the Terminal Integration Process Guide EMV and PayPass using the following e mail address publications mastercard com We continually strive to improve our publications Your input will help us accomplish our goal of providing you with the information you need Summary of Changes Terminal Integration Process Guide November 2007 To locate these changes online search on the date next to the revision bar On the Adobe Reader toolbar click Search In the Search pane type Nov 2007 and then click Search De
34. a tea nee cena 4 1 Understanding the TIP Test SCemarios ccccceecceceeeeeeeeeeeeneeeeteeeeenseeetteeeeneeeens 4 2 Header Scenario Identification Information 0 cceceeteeeeteeeteeeeeeees 4 3 ETEC Test UM ia A A AI cient ih a aed Rhee 4 3 Test INI tercorceaeseaction e E RA EE Peat E EEE EEE 4 3 Scenario Number rsscnsneadisannscKssaaconsiustaastigotsansiuasiassisasssadieaseesanessarcazeasceitas 4 3 Body Scenario Details ccccccccccccccssccesscessseeesseeesssessseeessesesseesssteeessseees 4 3 NI srretes tata sata pucaselta tana rateasees aaeanaysa na itacataatea sana aateaaeaieacanc ae aadeastiecdaea ss 4 3 Applicability Conditions 0 ccecceeceeeeeeeeeceeeeneeeenneeecteeenneeeenneeesteeeens 4 3 TBM AI Bs parsaccoa seagrass ag aging E aioe adseaguitags 4 3 Reference Documentation iis scssuiscacssscccsissdssnsssdsaussasiseasectsesssusitvesssobvins 4 4 Card Confic rah o Nece n a E EEE a 4 4 User SMa dc eat seh eh cessed tna dele dee tah ded iceet 4 4 Simulator Configuration cccccccccccccccssecesssecessseeesseeesseeesssesensetsssseeeesees 4 4 Pass Criteria iiis teinana en ANANASA AA SANAA ENANA aw Aad 4 5 ATOE e EE E attain 4 5 Running the TIP Test Scenarios 0 cccccccceessseessecesseeeeeeessseeessseeeseeeesseeeseeees 4 5 TIP Testing for the Authorization or Financial Messages 4 6 Steps CIS and MDS Message Formats cccccccccsececeeeseeeeeeneeestteeesees 4 6 Steps V5 Message Format c ceccecceceeeeeteesteeee
35. ace specification 1240 Clearing e IPM clearing format presentment message Single message 0200 0210 Financial e MDS message format connection messages 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview Phases in the TIP Workflow Phases in the TIP Workflow Figure 1 2 provides an overview of the four main phases of the TIP workflow Figure 1 2 TIP Workflow TIP Letter s of Preparation Send Documents information Terminal amp Racers and Acquirer to TIP Team Form Network Vendor ICS i Configuration Validate Acquirer Compare ICS against Acquirer ICS a a andj zg MasterCard Validation etter s o Coi parlson Requirements Results Approval Results Summary Summa Validation MasterCard Generate TIP Test Report TIP Test template Report Select TIP Scenarios TIP Test template Procedure Perform Tests Analyze Results Testing Acquirer Send Completed TIP Test Report Simulator o9 Mees Log 1 per test 1 log for all amp Logs clearing tests f Analyze TIP Test Report s amp Logs Approval MasterCard TIP Letter of Approval PE Final TIP Test Report 2007 MasterCard Terminal Integration Process Guide e November 2007 1 7 Overview Phases in the TIP Workflow 1 8 The TIP workflow consists of five phases as shown in Table 1 2 Phase 3 TIP Workshop only applies to First TIPs and is not considered in the context of this manual as a
36. alidation Steps ecceccceccsecececeeeeeeeectueeecneeeeeneeecsueeesteeeeeneeecieeestieeenneeestieeenteeees 3 1 Validation of Acquirer ICS ccccceecceeeeceeceeeeeeneeeeneeeenieeesneeenneeesniteesteeenas 3 2 Comparison of Acquirer ICS and Vendor ICS 3 2 Selection of TIP Test Scenarios eccccccceeeeceeeeeeseneeesteeesneeeteneeesteeesneeees 3 2 Creation of TIP Test Report Template ccceccceeeceeeeeeeeeteeeeneeestneeeeteeees 3 3 Creation of the TIP Test Procedure ccccceccceeeceeeeeteeeteeeeetteeteneeenieeeeneees 3 3 2007 MasterCard Terminal Integration Process Guide e November 2007 3 i Validation Steps MasterCard Validation Validation Steps MasterCard performs the steps shown in Table 3 1 during the validation phase Table 3 1 Validation Steps Description Step 1 Validation of Acquirer ICS Comparison of Acquirer ICS and Vendor ICS Selection of TIP Test Scenarios anai a ad Creation of TIP Test Report Figure 3 1 TIP Workflow MasterCard Validation Validation MasterCard 2007 MasterCard Acquirer ICS eee ICS Validation poping fe dene Comparison Results Approval Results Summa TIP Test Report template TIP Test Procedure Terminal Integration Process Guide e November 2007 3 1 MasterCard Validation Validation Steps Validation of Acquirer ICS Upon receipt of the correctly completed documents the TIP Consultant validates the data provid
37. and if you are sending DE 55 ICC System related data in clearing presentment messages TIP testing for the clearing presentment messages includes steps shown in Table 4 5 1 For additional details regarding dual interface messages and related specifications please refer to the section Terminal acquirer host system setup in chapter 1 2007 MasterCard Terminal Integration Process Guide e November 2007 4 7 Acquirer Testing Running the TIP Test Scenarios Table 4 5 TIP Testing for Clearing Presentment Messages Step 1 Description Setting up the test environment with the MCPS simulator Reset the terminal clearing batch or terminal approved transaction log Reset the clearing batch on the acquirer host Running the transaction Importing the Card Terminal Log to the PC Saving the Card Terminal Log NLD Wa AJS N Download the resulting terminal clearing transactions to your acquirer host and generate the corresponding IPM clearing file ioe Validate the IPM file using the MCPS simulator Extract and save the MCPS simulator log Complete and Package the TIP Test Results To complete and package the TIP test results you must perform all the steps shown in Table 4 6 Table 4 6 Complete and Package TIP Test Results Step 1 Description Completing the TIP Test Report 2 Saving the TIP Test Report 3 Sending the TIP Test Report and logs to the TIP
38. ass technology according to MasterCard requirements for Maestro PayPass There is no TIP for PayPass Mag Stripe terminals Dual Interface Terminal All of the above mentioned ETEC subsets apply3 The ETEC Field Interoperability Subset is updated on a regular basis no more than once per quarter to provide you with a set of test cards that cover all known acceptance and interoperability issues Updates to the ETEC Cards are announced in the Global Operations Bulletin You must ensure that you have the relevant version of the ETEC cards 3 The Maestro PayPass ETEC subset is not required if the terminal does not support Maestro PayPass Terminal Integration Process Guide e November 2007 1 13 Overview Tools for TIP Pass To clearly identify each test card the following data is printed on the front of the card as illustrated in Figure 1 3 Figure 1 3 Test Card Data Front of the card Line Printed Text example 1 MASTERCARD TEST CARD 2 ETEC card number also indicated in the test scenario to which the card is related NM r ooo a Version number SEE 3 Production batch ID Example version 5 0 A Batch 0002 Each test card is related to a specific test scenario and is parameterized to trigger a specific response or reaction from your terminal The test scenario indicates e The ETEC card s to use e The type and number of transactions to be performed e The expected response or reaction fr
39. asterCard 4 24 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Clearing Presentment Messages Importing the Card Terminal Log to the PC After the transaction is performed you should import the card terminal log to the PC Refer to the Importing the Card Terminal Log to the PC section TIP Testing for the Authorization or Financial Messages for additional details Saving the Card Terminal Log The imported card terminal log can now be saved onto the PC MasterCard requires you to send this log together with the TIP Test Report for approval Refer to the Saving the Card Terminal Log section TIP Testing for the Authorization or Financial Messages for additional details Download the Resulting Terminal Clearing Transactions and Generate the Corresponding IPM Clearing File Once all transactions are performed you can initiate the download of the terminal approved transaction log or terminal clearing batch to the acquirer host This procedure depends on acquirer infrastructure Usually this is done by using the standard terminal batch download or batch data capture function which can either be initiated from the terminal or by the acquirer host 2007 MasterCard Terminal Integration Process Guide e November 2007 4 25 Acquirer Testing TIP Testing for the Clearing Presentment Messages Validate the IPM File Using the MCPS Simulator Once the IPM file is available it can b
40. ates the name of the ETEC Subset None Card ID Identifies the ETEC card to be used None Test number Identifies the number of the test in a series of tests with None the same ETEC card and different objectives Scenario number Identifies the number of the scenario in a series of None scenarios with the same ETEC card and same objective for different conditions ACQ DATE Used by the acquirer to indicate the date when the test Provide input was performed The format to use is YYMMDD ACQ TIME Used by the acquirer to indicate the time when the test Provide input was performed The format to use is HHMM ACQ RESULTS Used by the acquirer to provide the results of the test Provide input Refer to the section ACQ RESULTS for more details ACQ STATUS Used by the acquirer to indicate the status of the test Provide input Refer to the section ACQ STATUS for more details ACQ SPY Log Used by the acquirer to indicate the name of the Provide input File Name Smartspy log file MasterCard requires a separate Smartspy log file for each test ACQ SIM Log Used by the acquirer to indicate the name of the Provide input File Name MasterCard network simulator log file 2007 MasterCard MasterCard requires a separate MasterCard network simulator log file for each test ACQ RESULTS For ease of use the TIP team pre populates the ACQ Results column of the TIP Test Report with the expected results indicated in grey in
41. ation Providing Information to MasterCard For the TIP you must select the profile that corresponds to the terminal being tested and ensure that you e Set the TACs in the terminal accordingly e Provide the TACs in the Acquirer ICS Recommendations for Completing the Acquirer ICS When completing the Acquirer ICS please pay attention to the following e Ensure that the form is completed by someone that is fully familiar with your acquirer requirements do not ask the terminal vendor to complete it e Provide information specific to the terminal being tested you may use information about the terminal provided by your vendor If required and for first time TIPs only the TIP Workshop explained in Chapter 1 may be used to help you complete the Acquirer ICS You must provide information that is complete accurate and up to date because the Acquirer ICS is e Validated by the TIP team and acknowledged using the Acquirer ICS Validation Results Summary explained in Chapter 3 e Compared to the Vendor ICS and the results communicated using the ICS Comparison Results Summary explained in Chapter 3 e Used to generate the TIP Letter of Approval explained in Chapter 5 If at any point during the TIP there are changes to the information you provide in the Acquirer ICS you must inform the TIP team immediately EMVCo Terminal Type Approvals For an EMV Terminal or a Dual Interface Terminal you must provide the TIP team with the r
42. ay in March to first Sunday in November P a For Central European Time last Sunday in October to last Sunday in March b For Central European Time last Sunday in March to last Sunday in October Terminal Integration Process Guide e November 2007 3 Using this Manual Revisions Revisions MasterCard periodically will issue revisions to this document as we implement enhancements and changes or as corrections are required With each revision we include a Summary of Changes describing how the text changed Revision markers vertical lines in the right margin indicate where the text changed The month and year of the revision appear at the right of each revision marker Occasionally we may publish revisions or additions to this document in a Global Operations Bulletin or other bulletin Revisions announced in another publication such as a bulletin are effective as of the date indicated in that publication regardless of when the changes are published in this manual Related Information The following documents relate to this manual e MasterCard Credit Authorization Simulator e MasterCard Debit Financial Simulator e MasterCard European Authorization Simulator Guide e MasterCard Clearing Presentment Simulator Guide For Contact Chip e M Chip Functional Architecture for Debit and Credit e ETEC User Guide e Smartspy User Guide P2YDaSS For Contactless Chip e PayPass M Chip Acquirer Implementation Req
43. base mdb Se Cancel l 2 Type the filename for the log file using the naming conventions indicated in Appendix A e g PD_RQ _T _S mdb 3 Click Save By default all log files are located under the directory path Nov C Program Files MasterCard MasterINQ63 Data_CreditOx_y 2007 Where x_y is the simulator release number e g 7_2 2007 MasterCard Terminal Integration Process Guide e November 2007 4 21 Acquirer Testing TIP Testing for the Clearing Presentment Messages TIP Testing for the Clearing Presentment Messages Setting up the Test Environment with the MCPS Simulator To set up the test environment for the TIP testing of the clearing presentment messages you must 1 Install the MCPS simulator In the context of TIP the Clearing Emulation Engine CEE of MCPS will be used Refer to the MasterCard Clearing Presentment Simulator guide for additional installation details 2 Make sure the MCPS CEE DE 55 Validation option is set e Select the CEE Preferences option from the CEE File menu Figure 4 16 CEE Preferences Option BB CEE Clearing Emulation Engine AE Tests View Help Add File Remove File Print Log Ctrl P No of Records in File _ No of Records Processed_ No of Errors in File Print Preview Print Setup CEE Preferences Exit Total Records in AII Files Records Processed From AIl Files Total Number of Errors CEE Preferences Se
44. but is upgraded must also be submitted for TIP if the upgrades are major If an approved version of the terminal application is modified please inform the TIP Team The TIP Team will advise on whether a full or partial TIP must be performed based on the reported modifications Examples of major changes are e Existing and approved EMV terminal which is upgraded with a new EMV kernel version must be submitted for TIP of an EMV contact interface terminal e Existing EMV terminal with TIP approval is upgraded to include PayPass M Chip must be submitted for TIP of a dual interface terminal e Existing PayPass M Chip terminal with TIP approval is upgraded to include EMV must be submitted for TIP of a dual interface terminal e Existing and approved PayPass Mag Stripe terminal is upgraded to include EMV and or PayPass M Chip must be submitted for TIP of a dual interface terminal Nov If you are clearing the ICC system related data in the presentment messages 2007 the TIP testing for the Clearing Presentment messages must be performed for every new terminal type either Attended POS Unattended POS Bank Branch Terminal or ATM you are implementing If you are clearing the ICC system related data in the presentment messages and implementing additional terminals of a same type the TIP testing for Clearing Presentment messages is optional A PayPass M Chip terminal also supports PayPass Mag Stripe During TIP of a PayPass M
45. by step explanation of the various activities you perform during your TIP 5 MasterCard Approval Describes how the TIP Consultant evaluates your TIP Test Report and upon successful completion of all tests generates the TIP Letter of Approval 2007 MasterCard Terminal Integration Process Guide e November 2007 1 Using this Manual Notations Chapter Description A Naming Conventions Indicates the naming conventions to use during all exchanges related to your TIP Notations This document combines the description of TIP activities for contact and contactless interface terminals Information specific to EMV terminals is indicated with the following symbol Information specific to PayPass terminals is indicated with the following symbol Palas Information specific to dual interface terminals supporting EMV and PayPass is indicated with the following symbol ri i If you perform a TIP on a contact EMV terminal you can skip the information and sections specific to contactless PayPass M Chip If you perform a TIP on a PayPass terminal you can skip the information specific to EMV terminals If you perform a TIP on a dual interface terminal you should read the whole document Excerpted Text At times this document may include text excerpted from another document A note before the repeated text always identifies the source document In such cases we included the repeated text solely for the reader s co
46. ceeeeteeeetteeeeneees 4 30 Completing the TIP Test ReEport ccccecccccceeeeeeeeceneeesteeeenteeestneeenseeenees 4 30 Savine the TIP Test Rept padres cleat i eE EE E EE EET EEEE E AES 4 33 Sending TIP Test Report and Logs to the TIP Team cerren 4 33 Avoiding Iterations cccccccccesececsseeessecessseeesseeecsseseseesesseesssseeesssesesetecsseeessaes 4 34 MasterCard Approval TnthO GU LENTON o ME T 5 1 TIP Test Report Additional MasterCard Columns sececceccceerereeee 5 1 Iterations amenoree ene a an 5 2 TIP Letter of Approval sseeeseseesseeseerseerserrssrrssrersetrseressrrssterstersetrssresstersterserts 5 3 Naming Conventions TIP INFO Filename ccccccsscencdsstessterctenetesetesssusdvestsevtnsadeastesstaestenesentteassunes A 1 TIP Acquirer ICS Filename ccccccccceeccceeeeeeeeeeeeeeeeeeceeeceueeesceeeeneeeseureesteeeeees A 1 Sin Sle TETIN 66K E MUN ARAN ANE ages e aat aier heia a A 2 DS Sei ht 1616 9h pepper a cen err ener etree er entre eeererr ere E ste A 4 TP Test Report Pileja E eenen a E E ETEEN TEER A 6 Single cs 22 Le saie E E E EREE E EEEE OA A 6 TWO Iterations sssssessssiiissssstttttit tetett ttt E EEE EEEEEEEEEESEEEEEEEEEEEEEEEEEEEEEEEEE EEEE EEEE EE A 8 Card Terminal Log Filenames ccccccccccccccesccececeteeeeeenseeeecnseeeecnsieeeeeeneeeesed A 10 MasterCard Authorization and MasterCard Debit Financial Simulator LOS PENANCE Si n e a E E EEA E EAIA A 11 MEAS Simulator Log Filenames
47. ctivity NUmDGr 5 chcacic chsisinectsaetanssashapcsscianhnsetanaseenautaneensatanbenade 2 2 Acquirer Implementation Conformance Statement 2 3 Terminal Action CodeS ancse ei a A E Ei 2 3 Recommendations for Completing the Acquirer ICS eeccecceee 2 5 EMVCo Terminal Type Approvals cccccccceececeeceeeeteeeeteeeectteeeeneeesenreesneees 2 5 PayPass Terminal Type Approvals cccccccescceccseeeeteeeeeneeestteeeeneeestneeeeneees 2 7 Terminal and Network Configuration DOCUMENL 00 ccceeeteeeeteeeeees 2 7 Wse by TIP K GA a ETE 2 7 Obtaining Relevant Version of ETEC Cards ccccccccccccsseecesereeeststeeeesnseeeesnes 2 8 Obtaining the Most Recent Version of the MasterCard Network Simulator 2 8 Obtaining the Most Recent Version of the MCPS cccccccccessscecttteeesttteeeeenes 2 8 Configuring the Terminal 0 0 00 cccccccccccececeseeeeeeeteeeeecnseeeecnseeessnsieeeestieeeesnas 2 9 Terminal Prerequisites sorrire er e AAE EE E E E EERE 2 9 EMV Terminal ceee eee aa e ae ee en eee ee eee 2 9 PayPass Terminal cccccccccccccccceeccesseeeeeessteceecnseeeecnsseeesentieeessnieeeesnaas 2 9 Dual Interface Terminal sseeeseeesserssrrsserssrtrsserssrrsstrsstrrstersstrssreeserrst 2 9 Configuring the Terminal sssesseisssrissrrsrrisstisstrrstiistrsttisstirsrersreesserssta 2 10 TIP CNECkI SEs sss aa a E E S S S EE EAE EINES 2 11 Terminal Integration Process Guide e November 2007 2 i Acquirer Preparation Providi
48. d MS Maestro CI Cirrus e RQ is the test requirement number e g REQO1 REQO2 Interop12 PPSO1 PPC02 etc e T is the test number e g T01 T02 etc e S is the scenario number e g S01 S02 etc Examples of MEAS Simulator Log filenames are e MC_REQO1_t02_S01 mdb e MC_REQO1_t02_SO1 tre 2007 MasterCard A 12 November 2007 e Terminal Integration Process Guide Naming Conventions MCPS CEE Simulator Log Filenames MCPS CEE Simulator Log Filenames When you save the MCPS Simulator log you should name it as follows CEE_ lt TIP number gt log Where e CEE stands for Clearing emulation engine e TIP number refers to the unique number assigned to your project as explained in chapter 2 Examples of MCPS CEE Simulator Log filenames are e CEE_070410121030 log e CEE_070511141532 log 2007 MasterCard Terminal Integration Process Guide e November 2007 A 13
49. e criteria None described in the TIP Test Scenario described in Chapter 4 PENDING The TIP Consultant does not have all Provide extra information the elements to run the test or to to the TIP Consultant provide a test analysis e g request additional information FAIL The results do not match the criteria Contact the TIP team described in the TIP Test Scenario described in Chapter 4 N R The test is Not Required N R None If the tests were not successful the TIP Consultant indicates in the TIP Test Report the test s that must be run again Once you have corrected the problem that caused the failure and run the test s again you update the TIP Test Report with the relevant data and submit it again to the TIP team for review This process is known as an iteration To understand the naming conventions that must be used full details are provided in Appendix A e Figure A 1 illustrates the file names for a TIP completed in a single iteration e Figure A 2 illustrates the files names for a TIP completed in two iterations 2007 MasterCard November 2007 e Terminal Integration Process Guide MasterCard Approval TIP Letter of Approval TIP Letter of Approval Upon successful completion of all tests you receive the TIP Letter of Approval LoA L Note The TIP LoA is produced using the data you provided in the TIP Information Form If you change anything in the tested environment of use either during or
50. e send the T e 8 Acquirer ICS E e 6 R i A e T l i o e e Ne e Acg ICS_ICC_070425 112349 ICD 02 Final xls 2 6 i Send Final Acquirer ICS Acquirer ICS 2007 MasterCard Terminal Integration Process Guide e November 2007 A 5 Naming Conventions TIP Test Report Filename TIP Test Report Filename The TIP Test Report contains e ICC or PPC if the TIP is EMV contact or PayPass related e The TIP Activity Number explained in Chapter 2 e The end of the filename that indicates whether the file is from MasterCard MCD or the acquirer e The iteration number of the file exchange Figure A 3 and the Single Iteration section illustrate the filenames for a TIP Acquirer ICS completed in a single iteration Figure A 4 and the Iwo Iterations section illustrate the files names for a TIP Acquirer ICS completed in two iterations Single Iteration The TIP Team sends the TIP Test Report with _MCD_00 at the end of the filename e g TIP_ICC_061206 121212_MCD_00 xls where e MCD indicates that the report is sent by MasterCard e 00 indicates that the report is empty You save the report with _MBR_01 at the end of the filename e g TIP_ICC_061206 121212_MBR_01 xls where e MBR indicates that you the acquirer have completed the report e 01 indicates the iteration number Once all tests are successfully completed the TIP Consultant e Changes t
51. e validated using the CEE module of the MCPS simulator 1 Click View and then Log to reset the MCPS_CEE log Figure 4 18 Resetting the MCPS_CEE Log 2C Clearing Emulation Engine Fie Tests EI Help X v Status Bar g r File Name No of Records in File No of Records Processed No of Errors in File Total Records in AII Files Records Processed From All Files Total Number of Errors 0 ASCII without RDW 2 Click on the Clear Log button to clear the existing log Figure 4 19 Clear Log Log File Name Date Time Log Data APR 102007 10 14 55 User Cleared Log File MasterCard Clearing Presentment Simulator Version 07 1 1 Show Errors Only New Log Clear Log 2007 MasterCard 4 26 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Clearing Presentment Messages 3 Click File and then AddFile to add the IPM file Figure 4 20 Adding the IPM File Ba vee Clearing Emulation Engine Tests View Help Add File Remove File Print Log Ctrl P No of Records in File_ No of Records Processed _ No of Errors in File Print Preview Print Setup CEE Preferences Exit Total Records in All Files Records Processed From I Files Total Number of Errors ASCII without RDW 4 Select the IPM file Figure 4 21 Select the IPM File Lookin E hitoy amp eX EB TI TIP For Clearing IPM Files of type IPM Files ipm
52. ed In particular the TIP Consultant compares the information provided in the Acquirer ICS against the values defined in the MasterCard specifications in relation to e Online offline capabilities to ensure that the terminal features the required online offline capabilities for the payment product s that it will accept e Card Authentication Methods CAMs to ensure that the terminal features the required CAMs for the payment product s that it will accept e Terminal Action Codes TACs to ensure that the terminal will behave correctly for each of the checks and risk management analyses that are performed during an EMV and or PayPass transaction The TIP Consultant sends you the Acquirer ICS Validation Results Summary indicating the results of the analysis The acquirer ICS validation process uses the concept of iteration as performed for the TIP test report Please refer to Appendix A for further information Comparison of Acquirer ICS and Vendor ICS The TIP Consultant compares the data provided in the Acquirer ICS and the Vendor ICS to ensure that they are compatible The TIP Consultant sends you the ICS Comparison Results Summary indicating the results of the analysis Selection of TIP Test Scenarios 3 2 Based on the Acquirer ICS and the Vendor ICS the TIP Consultant selects the test scenarios specific to your terminal profile and sends them to you Where applicable the resulting list includes test scenarios re
53. eecneeeeeesneeeneeeeeeeneesneees 4 7 TIP Testing for the Clearing Presentment Messages 4 7 Complete and Package the TIP Test Resullts 0 ccccccesscsceetseeeetsteeeeeenes 4 8 TIP Testing for the Authorization or Financial Messages cccccceeeseeeeeeeeees 4 9 Test Environment Setup with the MasterCard Network Simulator 4 9 Deleting Previous MasterCard Authorization or MasterCard Debit Financial Simulator LOS ccccccccccsccssececsseeessesecsseeecseeecsseeesssesesseessnseeessaes 4 10 Creating the MEAS Simulator LOgS 0 0 ecccecceeeeeeeeeneeeeteeeeeneeessneeestaeeenaaes 4 11 RUNNING the Transact Nrsssicsiiiuiii anaia ai a a ni 4 13 EMV WG AC canssansicnssicaaienasca sins pnsstapctasitaastuantansedantsdaniansiauguasenioeass 4 13 PayPass M Chip Transaction ETEC subset 8 and Maestro PayPass ETEC Subset ccccccccccccccccsscesssescssececseeesseesesesessesenseessseeeeas 4 14 PayPass Mag Stripe Transaction ETEC subset 6 cccceeereeetee 4 14 2007 MasterCard Terminal Integration Process Guide e November 2007 4 i Importing the Card Terminal Log to the PC sesamiae 4 15 IN BAE EEST Pate ate re ica Pa EE CEOE OEEO EEEE 4 15 PayPass M Chip EASA CHO iA iiie action usetensecgiannaestranrcarrmracnalveaet 4 16 Saving the Card Terminal Log iccccccccccccccsssceeseeensececseeessseseneessseeensaes 4 18 EMV TTANSAC ON n EE E E EEE E rn ne ee LE 4 18 PayPass M Chip Transactions oszs c sin ehivutioublaesusnwusieanuhva
54. eference of the EMVCo Level 1 approval and a copy of the official EMVCo Level 2 Letter of Approval including the vendor ICS You must ensure that you provide the official EMVCo document which should look similar to the sample provided in Figure 2 3 2007 MasterCard Terminal Integration Process Guide e November 2007 2 5 Acquirer Preparation Providing Information to MasterCard Figure 2 3 EMVCo Letter of Approval Date Name amp altres of Tamiral Vendor Re EMVCo Letter of Approval Terminal Level 2 ree Approval Number RN OK NN EhTV L2 KERNEL v4 4d EMV Application Kernel As Tested In Terminal Texminal name PinPad mwa Terminal Type 21 Report ID Xnncconn 04 4 Vendor Config ID wa Name of Terminal Vendor EMVCo LLC EMVCo a Delaware limited liability company has received your request for Level 2 type approval for the EMV Application Kerne hereafter refered to as Application identified above In connection with your request we have reviewed test file number Xrmccam044 which was ampics of Name of Taminal Vendor Date Comtened Dysam Dali Authenacabon Applicaton C ryptagrarn Generation dditional Terminal Capabilities Transaction Type Capability ee EE ee EE El Data from the ICS that is included in the EMVCo Level 2 Letter of Approval is e Compared to the Acquirer ICS and the results communicated in the ICS C
55. er 2007 4 29 Acquirer Testing Complete and Package TIP Test Results Complete and Package TIP Test Results Completing the TIP Test Report Once you have completed the following steps for each TIP Test Scenario you are ready to complete the TIP Test Report e Steps 2a or 2b to 6 relate to the testing of authorization or financial messages and where applicable e Steps 4 to 6 relate to the testing of the clearing presentment messages and steps 7 to 9 relate to the testing of the IPM file The TIP Test Report consists of a number of worksheets Most of these worksheets are for administrative purposes You only need to complete the worksheet that contains the following information e Key fields to identify the Test Scenario e Information from the Acquirer test results e Information from TIP results analysis We recommend that you update the TIP Test Report each time you complete a TIP Test Scenario and save the corresponding Smartspy logs and the Authorization Terminal logs The six columns that you must complete are e ACQ DATE e ACQ TIME e ACQ RESULTS e ACQ STATUS e ACQ SPY Log file name e ACQ SIM Log file name Table 4 7 describes the contents of each column of the TIP Test Report 2007 MasterCard 4 30 November 2007 e Terminal Integration Process Guide Acquirer Testing Complete and Package TIP Test Results Table 4 7 Contents of the TIP Test Report Field Description Action Subset Indic
56. er of Approval Nov e Parameterization according to PayPass M Chip Acquirer Implementation 2007 Requirements and as applicable to the Maestro PayPass Acquirer Implementation Requirements Alcs Dual Interface Terminal All of the pre requisites for EMV Terminals and PayPass Terminals must be met 2007 MasterCard Terminal Integration Process Guide e November 2007 2 9 Acquirer Preparation Configuring the Terminal Configuring the Terminal For the TIP you must configure your terminal exactly as it will be used in the live environment You must also ensure that you set up your terminal according to the following specifications e The list of Application Identifiers AID supported by the terminal must be the same as the one that is used in the field All the applications must be loaded onto the terminal MasterCard applications and proprietary applications if any This ensures that the proprietary applications do not interfere with the expected behavior of the terminal in accordance with MasterCard rules e The pre defined RSA test keys must be loaded onto the terminal for the offline CAM check These keys can be found in the user manual with the ETEC test cards e For online capable attended and unattended POS terminals that support floor limits the amount must be set to 000000000500 Cor 000005000000 e For offline only terminals the floor limit must be set to 000000005000 or 000050000000 e For EMV contact term
57. erCard OnLine For PayPass Terminals this information is provided in the PayPass M Chip Acquirer Implementation Requirements available on http www paypass com and Maestro PayPass Acquirer Implementation Requirements To help you identify the settings that you must use MasterCard has created profiles corresponding to specific terminal capabilities such as e Online capable POS and CAT e Online capable POS and CAT with No PIN Entry e ATMs and Manual Cash Advance applicable only for EMV terminals For each profile the values and settings are provided in detailed tables as in the sample table provided in Figure 2 2 Figure 2 2 Example of TACs per Profile in M Chip Functional Architecture for Debit and Credit Table 7 3 Full Grade TACs Online capable POS and CAT Byte Bit 1 8 oO 4 3 2 l 2 8 6 2 4 Meaning Denial Online Default Offline data authentication was not performed 0 l l SDA failed 0 l l ICC Data missing 0 l l Card appears on terminal exception file 0 l l DDA failed 0 l l CDA failed l 0 l RFU 0 0 0 RFU 0 0 0 ICC and terminal have different application versions 0 0 0 Expired application 0 l l Application not yet effective 0 0 0 Renuected cervice nat allawed far card nraodnst N 1 1 1 Maestro PayPass Acquirer Implementation Requirements can be obtained by sending an email to specification paypass com 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Prepar
58. erforming the TIP Refer to MasterCard OnLine to obtain the latest version of the simulators 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview Tools for TIP MasterCard Clearing Presentment Simulator MCPS 2007 MasterCard Purpose The MasterCard Clearing Presentment Simulator is designed to test messages using the Integrated Products Message IPM clearing message format The simulator provides virtually all the testing capabilities that are available with online testing With the simulator customers can conduct extensive preparations for online testing in an offline environment In the context of TIP the MasterCard Clearing Presentment Simulator validates the chip related contents of your clearing presentment messages Updating the MCPS The MCPS is updated on a regular basis in accordance with the GCMS system releases You must ensure that you have the most recent version of the MCPS when performing the TIP Refer to MasterCard OnLine to obtain the latest version of the MCPS simulator Terminal Integration Process Guide e November 2007 1 17 2007 MasterCard Acquirer Preparation This chapter describes the various actions that you must carry out to prepare for your TIP Providing Information to MasterCard 0cccccccccccccceceeeceseeeeeecteeeeescnseeeessnteeeeeees 2 1 TIP Information FOr cccccceeececeeeceeeceeeeceeecceeeecneeeeeneeeccuesecneeeenueeestireesees 2 1 TIP A
59. gS ccccccceccsscessseeessececseeessseeesseessseeensaes 4 11 Running the TransactiOn soesoenan a RHU MMU RR ae 4 13 Importing the Card Terminal Log to the PC eecceeeceeeeseeeeteeetneeeeees 4 15 Saving the Card Terminal Log cccccccccccccccssececseeesseeesseeessseeeseesssseeessaes 4 18 Saving the MasterCard Authorization or MasterCard Debit Financial Simulator LOSS eserine inian euteiches aibln se EE EE NEE ENEE 4 21 TIP Testing for the Clearing Presentment Messages ssseisereeeerrrrrrreere 4 22 Setting up the Test Environment with the MCPS Simulator 0 4 22 Reset the Terminal Clearing Batch or Terminal Approved Transaction Lop escenario E EEEE 4 24 Reset the Clearing Batch on the Acquirer Host 4 24 RUNNING the Transaction sicec passe say hese vase pats toes te Woden EAE E E aai 4 24 Importing the Card Terminal Log to the PC ccccccccccseesseessseeenteeenees 4 25 Saving the Card Terminal Log ccccccccccccecssecesseeessesecssesesssescseeessseeensees 4 25 iii Terminal Integration Process Guide e November 2007 Table of Contents Chapter 5 Appendix A Download the Resulting Terminal Clearing Transactions and Generate the Corresponding IPM Clearing File 4 25 Validate the IPM File Using the MCPS Simulator ccccccccccsecseeeseeeees 4 26 Extract and Save the MCPS LOQ cccccccccccsssscsscecsseceesseeeseeesssesessseesseeessees 4 29 Complete and Package TIP Test Results 0 0 ccccceecceeeececeeeeee
60. hapter 1 Ensure that the TIP Test Report contains complete and accurate information and that it follows the naming conventions explained in Appendix A Only submit the TIP Test Report when you have successfully completed all required tests Ensure that you provide all of the related log files and that they follow the naming conventions explained in Appendix A 2007 MasterCard November 2007 e Terminal Integration Process Guide 2007 MasterCard Terminal Integration Process Guide e November 2007 MasterCard Approval This chapter describes how the TIP Consultant evaluates your TIP Test Report and upon successful completion of all tests generates the TIP Letter of Approval ItFOGU COM sss sceacasvedacatersunreieuerensaeai ance canted ETETETT 5 1 TIP Test Report Additional MasterCard Columns 00 0 eeeeereees 5 1 MC Status eee ET 5 2 Iterations Lo eee ene errr rennet eeee eee en nn nnnnneeeeeeeseneennaaaes 5 2 TIP Letter Of Approval eccccecccceecceceeeeeeseeeeeececsneeeeseeeseneeectaeeesneeeseaesesseeeenaeess 5 3 5 i Introduction MasterCard Approval Introduction Upon receipt of your TIP Test Report and log files the TIP Team 1 Reviews the card terminal and MasterCard network simulator logs and validates the information you provided in the TIP Test Report Adds four new columns as explained in the section TIP Test Report Additional MasterCard Columns to the Report Worksheet of
61. he end of the filename to MCD e Does not change the iteration number e Adds Final to indicate that TIP was successful e g TIP_ICC_061206 121212 _MBR_Final_01 xls 2007 MasterCard A 6 November 2007 e Terminal Integration Process Guide Naming Conventions TIP Test Report Filename Figure A 3 Single Iteration MasterCard Acquirer files use extension MCD files use extension MBR TIP_ICC_061206_121212_WICD_00 xls Run tests TIP_ICC_061206 121212 MBR_01 xls Report and logs zOrapama TIP_ICC_061206_121212_ICD_01_Final xls 2007 MasterCard Terminal Integration Process Guide e November 2007 A 7 Naming Conventions TIP Test Report Filename Two Iterations The TIP Consultant sends the TIP Test Report with _MCD_00 at the end of the filename e g TIP_ICC_061206 121212_MCD_00 xls where e MCD indicates that the report is sent by MasterCard e 00 indicates that the report is empty You save the report with _MBR_01 at the end of the filename e g TIP_ICC_061206 121212_MBR_01 xls where e MBR indicates that you have completed the report e 01 indicates the iteration number If there are issues with any of the tests the TIP Consultant provides information regarding the issues and e Changes the end of the filename to MCD e Does not change the iteration number to indicate a response to the MBR_01 File You re run the tests and e Update the TIP Test Report e Change the end of the
62. inal applications the Terminal Application Version Number must be set to 0002 for MasterCard Maestro and Cirrus AIDs Nov e For PayPass terminal applications the Terminal Application Version 2007 Number must be set to 0002 for PayPass M Chip and Maestro PayPass and to 0001 for PayPass Mag Stripe e For PayPass terminal applications if the terminal supports Optimized Flow formerly known as Offline Only Flow MasterCard recommends to set the floor limit to a maximum value This ensures the transaction amount is not greater than the floor limit The Issuer Action Codes AC must be set such that the terminal declines if the transaction amount is greater than the floor limit L Note The amount value follows the ISO 4217 specifications If the amount indicated is equal to 000000150000 and the currency is EUR you must enter 1500 This is because the currency field automatically includes a 2 digit exponent and you must not input leading zeros 2007 MasterCard 2 10 November 2007 e Terminal Integration Process Guide Acquirer Preparation TIP Checklist TIP Checklist You can use the checklist shown in Table 2 3 to ensure that all tasks are completed Table 2 3 TIP Checklist All pre requisites are met see the section Pre requisites for TIP in Chapter 1 TIP Information Form completed and sent to appropriate TIP mailbox Acquirer ICS completed and sent to appropriate TIP mailbox Terminal
63. ing of your terminal with the 0100 0110 Authorization messages or 0200 0210 Financial messages you must 1 Run the tests 2 Save the MasterCard network simulator logs and card terminal logs either Smartspy log or ATM card terminal log 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview Phases in the TIP Workflow Phase 4b TIP Testing for the Clearing Presentment Messages As required to test your terminal for the clearing presentment messages you must 1 Reset the terminal clearing batch or terminal approved transaction log 2 Reset the clearing batch on the acquirer host 3 Run the clearing tests while saving the corresponding card terminal logs 4 Download the resulting terminal clearing transactions to your acquirer host and generate the corresponding IPM clearing file 5 Validate the IPM file using the MCPS CEE module MasterCard Clearing Presentment Simulator Clearing Emulation Engine 6 Extract and save the MCPS CEE log Phase 4c Complete and Package TIP Test Results Once the TIP testing is complete you must 1 Complete the TIP Test Report 2 Send the TIP Test Report card terminal logs the MasterCard network simulator logs and the MCPS log to the appropriate mailbox refer to the TIP Support section of the Using this Manual chapter The TIP team reviews your TIP Test Report card terminal logs MasterCard network and MCPS CEE simulator logs and decide
64. ion provides limited information regarding specific actions that must be performed using the MEAS Simulator For detailed information consult the user guide provided with the simulator You must provide one MEAS Simulator log file per test scenario You must set up the MEAS Simulator so that it logs the transaction data which you then send to MasterCard for analysis To create the log file 1 Run the MFAS Simulator See Figure 4 4 Figure 4 4 MEAS Simulator Main Screen ina MasterCard European Authorization Simulator 06 1 File Project View Models Tools Messages Window Help ga DIO g Simama gelsem MasterCard International C Program Files MasterCard Europe M asterCard European Authorization Simulator 06 1 data MEASO61 prj SelfTest IBS_006_01_00b 2 Click on the Log Management ke button as illustrated in Figure 4 5 2007 MasterCard Terminal Integration Process Guide e November 2007 4 11 Acquirer Testing TIP Testing for the Authorization or Financial Messages 4 12 Figure 4 5 Display MEAS Log Parameters na MasterCard European Authorization Simulator 06 1 File Project View Mods a Tools Messages Window Help amaaa gme Om MasterCard International MasterGara This opens the Log Parameters dialog box as illustrated in Figure 4 6 Figure 4 6 Log Parameters Dialog Box Log Parameters Log Db Management Log Utilities Log DataBase Select OK Path AUTEN
65. l mailbox for review and analysis 1 TIP Test Report containing the results of all your TIP tests See Chapter 5 for more information on how to name this document 2 Card Terminal Logs There must be one card terminal log per TIP test 3 MasterCard Network Simulator Logs As per the requirements for your region e For all regions except Europe There must be one MasterCard simulator log file with a mbd file extension per TIP test e For Europe region There must be one MEAS Simulator log file with either an mdb or a tre file extension per TIP test TIP Mailboxes Please send all required items to the TIP mailbox for your region as detailed in the section TIP Support in Using this Manual 2007 MasterCard Terminal Integration Process Guide e November 2007 4 33 Acquirer Testing Avoiding Iterations Avoiding Iterations 4 34 To limit the time and costs associated with a TIP it is important to keep the number of iterations explained in Chapter 5 to a minimum You can avoid iterations by applying the following principles Ensure that you configure the terminal using the settings defined in the MasterCard specifications as listed in the section What is the Terminal Integration Process of Chapter 1 Validate test results thoroughly before submitting the TIP Test Report and log files To do this follow the explanations provided by the TIP Consultant during the TIP Workshop explained in C
66. lated to authorization requests financial requests and clearing messages 2007 MasterCard November 2007 e Terminal Integration Process Guide MasterCard Validation Validation Steps Creation of TIP Test Report Template Nov The TIP Consultant generates the TIP Test Report Template an MSExcel 2007 document and pre populates it with data retrieved from the e TIP Information Form that you completed e The Pass Criteria and other relevant data from each of the TIP Test Scenarios you need to perform e The Vendor ICS When you have finished each TIP Test Scenario you must complete the appropriate section of the TIP Test Report to provide the TIP team with the results of your tests see Chapter 4 for details am PAs For a dual interface terminal you receive two templates One TIP Test Report template for the EMV related tests and another for the PayPass tests Nov 2007 Creation of the TIP Test Procedure When the TIP Test Report Template is created the TIP consultant generates the TIP Test Procedure an MSWord document The TIP Test Procedure document contains the description of all applicable test scenarios for this TIP session The format of the test scenario is described in Chapter 4 2007 MasterCard Terminal Integration Process Guide e November 2007 3 3 Acquirer Testing This chapter provides a step by step explanation of the various activities you perform during your TIP DMI ra petehca E E E
67. limited information regarding specific actions that must be performed using the MasterCard Authorization Simulator or the MasterCard Debit Financial Simulator For detailed information consult the user guide provided with the tool You must provide one Simulator log file per test scenario The MasterCard Network Simulators automatically log the transaction data Each time you run a new test you must delete the previous log To delete the previous log file 1 Go to the Test Results window and click the Delete Log R button to empty the log This ensures that the log file only includes the data corresponding to a specific test Figure 4 3 Delete Log Test Results INQ MasterCard Credit Authorization Simulator version 06 1 SP2 File View Help Sequential Log Historical Log Name _ i License Information 2006 06 15 11 options 2006 06 15 11 1100 2006 06 15 0100 APS to NTW Sent 2006 06 S 002 Ryn oY gt 0100 APS to NTW Revd 2006 06 15 i 90100 NTW to IPS Sent 2006 06 15 11 2 9 004 0100 NTW to IPS Revd 2006 06 15 11 2 3 007 2 Go to the section Running the Transaction 2007 MasterCard November 2007 e Terminal Integration Process Guide Nov 2007 Nov 2007 Acquirer Testing TIP Testing for the Authorization or Financial Messages Creating the MEAS Simulator Logs L Note This section only applies to members using the V5 message format This sect
68. location of the regional office serving your area call the Customer Operations Services team at Phone 1 800 999 0363 or 1 636 722 6176 1 636 722 6292 Spanish language support TIP Support 2007 MasterCard Please address your questions regarding the TIP to the one of the following email addresses Region E mail address Europe tip mastercard com Asia Pacific tip_ap mastercard com South Asia Middle East and Africa tip_samea mastercard com North America tip_na mastercard com Latin America and Caribbean tip_lac mastercard com Terminal Integration Process Guide e November 2007 7 Overview This chapter provides an overview of the Terminal Integration Process TIP and places it in the context of the overall implementation process for a chip terminal supporting EMV contact technology PayPass contactless technology or both What is the Terminal Integration Process cccccccccescecteeeeeceteeeeeeeteeeeesstteeeeees 1 1 Situating the TIP nisin assis esas EN ETENEE ass tes 1 2 When to Perform a TIP serenana A AEEA 1 3 First or Additional TIP cata asain grad sgbapeag Rap Ope 1 4 PP seen ee anata nortan Aeon 1 4 Additional TIP Sirrini aiii EA AER EERE ETENE EHE E E AE En aa 1 4 Pre requisites for TIP ccna E aa E Ea aaia iae 1 5 Successful Completion of Network Interface Validation 1 5 Selection of an Approved Terminal eeereeeeerrererrisrerirerrerrrsrerssen 1 5 EMV Terminals contact interface
69. neeeseneeesneeenneeesnieeeeneeees 1 3 First or Additional TIP marose seus a acens E a ES TEN ENEE EA E EEN Ear 1 4 T l AEE aaah E T OEE aunatatcuem eae 1 4 Additional TIPS cceccceccceeceecceecceeeeneeeneeceseeeeecceescseeeneesteeeeeeeeneesteeseaeesteesneees 1 4 Pre requisites for TIP ceccccecceccceeeeeeeeceeeeeceeeeeeneeecnueeecneeesneeestieeeeneesnieeesnieeeeas 1 5 Successful Completion of Network Interface Validation 1 5 Selection of an Approved Terminal 0 0 ecceecceeeeeeeeeeeeesteeeeneeestneeenneeees 1 5 Terminal Acquirer Host System Set Up ccccceccccceseseeseeeeeseessesseeteeeeens 1 6 Phases in the TIP WOrktlO Ws siu cerse satcrevsyetensge e e e Eaa a E EE ia 1 7 Terminal Integration Process Guide e November 2007 i Table of Contents Chapter 2 Phase 1 Acquirer Preparation cccccccceesceceeeeeenceeeeneeecsneeesteeeesneeesteeenaes 1 8 Phase 2 MasterCard Validation ecccecccceeeeeeeceeeeeeneeeeeneeeceteeeeneeestneeeeneeees 1 9 Phase 3 TIP Workshop cccccecccecceeceeeeceeeeeeneeeceneeeeneeesnneeesneeeeneeestireeeneees 1 9 Phase 4 Acquirer Testing ccceeccececceecseeeeenececneeeeeneeesteeesteeessneeesteeenaes 1 10 Phase 5 MasterCard Approval cccccccccecceceececeeeeeeneeeetneeesneeeenneeesseeennees 1 12 Tools for WIP ireren ia E E E r NEE suite neces 1 12 ETEC Easy TEst C rd5 avanca a aa 1 12 SANS PV eee E E E A E A E E E E EEA 1 14 TOMOMILOD a EEANN EEAS ESASI A AEA 1 1
70. ng Information to MasterCard Providing Information to MasterCard The first step in the process is to provide the TIP team with the following documents e TIP Information Form e Acquirer Implementation Conformance Statement ICS if required and for first time implementations only the TIP Workshop explained in Chapter 1 can also be used to help you complete the Acquirer ICS e Terminal and Network Configuration Document e Terminal Approval Statements Each of these documents is explained in detail in this chapter Figure 2 1 TIP Workflow Acquirer Preparation i TIP 1 P Preparation Send Documents information T eae i Acquirer to TIP Team Form eee Noes Configuration L Note If the relevant information is not provided the documents are returned to you for completion The TIP cannot start until the TIP team has received all the necessary information All forms and certificates should be sent to the relevant TIP mailbox as detailed in the TIP Support section of the Using this Manual chapter TIP Information Form You use the TIP Information Form TIP_INFO_ lt TIP activity number gt xls to provide information which is used by the TIP Team for e Administration e g address contact person phone numbers etc e TIP and payment system identification e g TIP Activity Number terminal brand terminal model approval references etc The TIP Information Form is an Excel file composed of several w
71. nvenience The original text in the source document always takes legal precedence 2007 MasterCard November 2007 e Terminal Integration Process Guide Using this Manual Language Use Language Use The spelling of English words in this manual follows the convention used for U S English as defined in Merriam Webster s Collegiate Dictionary MasterCard is incorporated in the United States and publishes in the United States Therefore this publication uses U S English spelling and grammar rules An exception to the above spelling rule concerns the spelling of proper nouns In this case we use the local English spelling Times Expressed 2007 MasterCard MasterCard is a global company with locations in many time zones The MasterCard operations and business centers are in the United States The operations center is in St Louis Missouri and the business center is in Purchase New York For operational purposes MasterCard refers to time frames in this manual as either St Louis time or New York time Coordinated Universal Time UTC is the basis for measuring time throughout the world You can use the following table to convert any time used in this manual into the correct time in another zone St Louis Purchase New York Missouri USA USA UTC Central Time Eastern Time Standard time 09 00 10 00 15 00 first Sunday in November to second Sunday in March Daylight saving time 09 00 10 00 14 00 second Sund
72. om the terminal Smartspy The Smartspy tool is supplied with the ETEC Subset 1 test cards It consists of e Smartspy device designed to capture transaction data between the chip card and terminal e ISO Probe designed to pass the data generated by the ETEC card to the Smartspy device e USB Cable to connect the Smartspy device to the PC loaded with the Smartspy PC application e Smartspy CD ROM contains the software and User Guide for the Smartspy PC application 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview Tools for TIP Figure 1 4 Smartspy Tool You use the Smartspy during TIP testing to e Log transaction data between the ETEC cards and your terminal using the Smartspy Device and the ISO Probe e Analyze the results of each transaction using the Smartspy PC application to ensure that the test results match the test criteria L Note It is not possible to use the Smartspy with motorized card readers such as ATMs Da paces pass 1M TcMonitor The TcMonitor tool is supplied with the ETEC Subset 8 test cards It consists of e Contactless Card Reader Designed to read data captured by the test card during the last transaction that was performed using the test card You may indicate not to include the reader in the package if you plan to use another PC SC compliant contactless card reader e TcMonitor CD ROM Contains the software and User Guide for the TcMonitor P
73. omparison Results e Used to generate the TIP Letter of Approval If the ICS is not part of the Letter of Approval please request it from the vendor and provide it to the TIP team 2007 MasterCard 2 6 November 2007 e Terminal Integration Process Guide Acquirer Preparation Providing Information to MasterCard Palase yss PayPass Terminal Type Approvals For a PayPass Terminal or Dual Interface Terminal you must provide the TIP Team with a copy of the PayPass Letter of Approval Data from the Vendor ICS included in the Conformity Statement to Application Requirements based on which the PayPass Letter of Approval is given is used to e Compare with the Acquirer ICS and the results communicated in the ICS Comparison Results e Generate the TIP Letter of Approval The Vendor ICS is not part of the PayPass Letter of Approval therefore please request it from the vendor and provide it to the TIP Team Terminal and Network Configuration Document You use the Terminal and Network Configuration document to provide MasterCard with a clear and detailed view of e Your complete acquirer acceptance environment e The various intermediate connections between the terminal and the MasterCard network The Terminal and Network Configuration document contains four basic scenarios To complete the document you should e Choose a scenario and add and or delete elements so that it reflects your configuration e Complete the questionnai
74. onsists of e Verification of the terminal configuration 2007 MasterCard Terminal Integration Process Guide e November 2007 1 9 Overview Phases in the TIP Workflow Setting up of the application to save and analyze the dialogue between card and terminal and explanations on how to use this application for An EMV terminal The Smartspy A PayPass terminal The TcMonitor Explanations on how to use the ETEC cards Verification of the MasterCard network simulator configuration Explanations on how to save the MasterCard network simulator and card terminal logs Explanations on how to use the MCPS simulator to validate the chip data in the clearing presentment messages and save the related MCPS validation logs Explanations on how to interpret the test results Explanations on how to complete the TIP Test Report For the technical training part of the workshop we recommend that the participants are only those individuals who will be carrying out the actual TIP testing and complete the ETEC Test Report 3 Demonstrate how to run a test If required the TIP Workshop can also be used to help you complete the Acquirer ICS Phase 4 Acquirer Testing Once you have completed the necessary questionnaires and supplied the appropriate reference information to the TIP team and receive the TIP test scenarios you are ready to test your terminal Phase 4a TIP Testing for the Authorization or Financial Messages For the test
75. op down list select One file per acquisition Figure 4 12 Save Smartspy Log Step 2 P Select a save option g ANA S One file per acquisition Allin one file One file per acquisition 3 The screen shown in Figure 4 13 is displayed Type in an appropriate filename using the naming conventions indicated in Appendix A e g MC_REQO1_t02_s01 txt This ensures that you have an individual Smartspy log per test 2007 MasterCard 4 18 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages Figure 4 13 Enter Smartspy Log Filename AN Save as Save in TESTING D generated Extraction files nes E MCREQO1_01_014 txt My Recent MCREQO1_01_011_Level2txt Documents MCRE O2_21_011 txt B E MCREQO2_21_011_Level2 txt vy 2 eae My Documents os My Computer m My Network aoe eee 1 Places Files of type txt vi Reset the Smartspy memory by pressing the button located on the Smartspy device see Smartspy user manual for more information 2007 MasterCard Terminal Integration Process Guide e November 2007 4 19 Acquirer Testing TIP Testing for the Authorization or Financial Messages Papas PayPass M Chip Transaction To save the card terminal dialogue data using TcMonitor 1 In the File menu select Save File As You are prompted with a screen as illustrated in Figure 4 14
76. orksheets on which you provide this information to MasterCard Refer to Appendix A for the naming conventions 2007 MasterCard Terminal Integration Process Guide e November 2007 2 1 p Acquirer Preparation Providing Information to MasterCard ass 2 2 Dual Interface TIP Activity Number It is important to provide the TIP Team with the correct TIP Activity Number This number is a unique identifier assigned to each new TIP project and provided to you by the TIP Team Providing the correct TIP Activity Number helps to speed up the process TIP for dual interface terminals is managed with two TIP activity numbers i e one number for the TIP of the EMV related functionality and another for the PayPass related functionality The relevant structure of the TIP Activity Number for each terminal interface is described in Table 2 1 Table 2 1 TIP Activity Number Terminal Type TIP Activity Number ICC_YYMMDD HHMMSS EMV Palase PPC_YYMMDD HHMMSS PayPass Where e YY equals year e MM equals month e DD equals day e HH equals hour e MM equals minutes e SS equals seconds You must use this identifier in all correspondence with the TIP Team 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Preparation Providing Information to MasterCard Acquirer Implementation Conformance Statement You define your bank s functional requirements in the Acquirer ICS The Acquirer ICS is
77. ou should ensure that they have the PayPass Letters of Approval If you have not selected your PayPass Terminal yet MasterCard recommends that you select a terminal or card reader from the PayPass Approved Products list on Www paypass com Dual Interface Terminals For dual interface terminals you should ensure they have the pre requisites for both EMV and PayPass Terminals as listed above Also ensure that the approvals apply to the actual terminal with both the contact and contactless interfaces included For example adding the contactless interface to an approved EMV Terminal may impact the application kernel in such a way that the existing EMVCo approval is no longer valid This terminal needs a re approval for the updated kernel by EMVCo inal Acquirer Host System Set up You must ensure that the terminal all intermediate connections and its interfaces including the clearing interface together with the Acquirer Host System AHS also referred to as the Authorization System are set up according to your own functional requirements and have been thoroughly tested before starting the TIP This includes the single or dual message interfaces to the MasterCard network systems Message Format Connection Type Message Types Specifications Dual Authorization 0100 0110 e Customer Interface clearing message Authorization messages Specification CIS connection message format e AS 2805 message format e V5 interf
78. r the test to pass successfully When you complete a test you must indicate the results in the ACQ RESULTS section of the TIP Test Report document See the ACQ RESULTS section Note Where appropriate additional information may be provided in the Note field Running the TIP Test Scenarios 2007 MasterCard There are 3 distinct activities for running the TIP test scenarios 1 TIP Testing for the authorization or financial messages 2 TIP Testing for the clearing presentment messages 3 Complete and package the TIP test results Each activity is described in detail in the following sections Terminal Integration Process Guide e November 2007 4 5 Acquirer Testing Running the TIP Test Scenarios TIP Testing for the Authorization or Financial Messages The TIP testing procedures for the authorization and financial messages depend on the network message interface format and thus depend on the MasterCard network simulator being used as indicated in Table 4 2 Table 4 2 Network Interface Message Format and MasterCard Network Simulators Network Interface Message Format MasterCard Network Simulator Nov CIS format MasterCard Authorization Simulator MAS 2007 MDS format MasterCard Debit Financial Simulator V5 format MasterCard Europe Authorization Simulator MEAS Steps CIS and MDS Message Formats The TIP testing for authorization or financial messages in CIS or MDS message formats includes steps sho
79. rbusyheniavaunnpeeiy 4 20 Saving the MasterCard Authorization or MasterCard Debit Financial Simulator LOes wise wee ig aa indie ape eed 4 21 TIP Testing for the Clearing Presentment Messages 4 22 Setting up the Test Environment with the MCPS Simulator 4 22 Reset the Terminal Clearing Batch or Terminal Approved Transaction LOS A Care ccc ec te Mourn Mes cicsbin me ette neta Mas tes ere dten a E 4 24 Reset the Clearing Batch on the Acquirer Host 4 24 Running the Transactions eaea a T deren ar E TRANTE TE 4 24 Importing the Card Terminal Log to the PC ee eececeeeteeereeeteeetteeteees 4 25 Saving the Card Terminal Log ccccccccccscccsseceeseeesseeeesesessseeenseessssesensees 4 25 Download the Resulting Terminal Clearing Transactions and Generate the Corresponding IPM Clearing File 4 25 Validate the IPM File Using the MCPS Simulators ccc creme nce 4 26 Extract and Save the MCPS LOQ cccccccccccsssessseeesteeeessesenseeesseeenseesesseeensaes 4 29 Complete and Package TIP Test Results ccccesceeeeceeceeeeeeeeeeesneeestneeeeneees 4 30 Completing the TIP Test Report cccccecceeceesseetecteenteeeteecteeenteeeteeeteees 4 30 ACQ PESUUNG cc Sutin ch uauEOauneacn eae ee 4 31 ACO STATUS eeren 4 33 Savine the TIP TESCREPO er eee a E RRE 4 33 Sending TIP Test Report and Logs to the TIP Team vwscnmuaniinesiuns 4 33 TIP Mailboxes 5505 3 1t43egsindhaeaaiatandiiedtaadeaadtsariiniaraaaiadaieiaaegadedaiadaieiaaedian 4 33 Avoiding Iteration
80. rds do not log the dialogue between the card and the terminal 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages Importing the Card Terminal Log to the PC After the transaction is performed you import the card terminal log to the PC EMV Transaction To import the Smartspy log onto your PC 1 Open the Smartspy application on the PC 2 Connect the Smartspy using the USB connection 3 Switch on the Smartspy device 4 From the Trace menu Import to import the Smartspy log referred to as an Acquisition from the Smartspy memory Figure 4 8 Import Smartspy Log Geiting acquisition B Acquisitions Ez 5 Once the Smartspy log Acquisition has been imported it is displayed in a dual screen as shown in Figure 4 9 Figure 4 9 Display of Smartspy Log ae SmartSpy Software 2 C Program Files SmartSpy files L1 Trace1 156324739254 txt DER Fie Edit View Trace Configuration Language Authenticate Append Help A S2 N 2M OR uga Acquisition s Level 1 view Acquisttion s Level 2 view Acquisition 1 Acquisition 1 Acquisition 2 Acquisition 2 Acquisition 3 Acquisition 3 BD End of acquisition BD End of acquisition 2007 MasterCard Terminal Integration Process Guide e November 2007 4 15 Acquirer Testing TIP Testing for the Authorization or Financial Messages Palase 4 16 6
81. re corresponding to the selected scenario If your setup does not correspond to any of the basic scenarios you should provide a diagram that describes your complete terminal and network configuration Use by TIP Team The TIP team uses this document to e Prepare for the TIP by understanding the environment in which your terminal will be installed e Trouble shoot problems that may arise during testing or during live operations e Potentially reduce the number of tests to run during your TIP 2007 MasterCard Terminal Integration Process Guide e November 2007 2 7 Acquirer Preparation Obtaining Relevant Version of ETEC Cards Obtaining Relevant Version of ETEC Cards You must ensure that you have the relevant version of the ETEC cards For more information on the available subsets see Chapter 1 If the version in your possession is not the version relevant at the time you perform the TIP you may order the relevant version by sending an email to test_tools silicomp com Ge With ETEC subset 1 you also receive the Smartspy test tool a u p j pass With ETEC subset 8 you also receive the TcMonitor test tool Nov If you are ordering the Maestro PayPass ETEC subset and do not have ETEC 2007 Subset 8 you must order the TcMonitor test tool separately Obtaining the Most Recent Version of the MasterCard Network Simulator You must ensure that you have the most recent version of the MasterCard network simulator If you do not
82. rtspy tool 1 Turn on the Smartspy device and wait until the LCD displays the message Ready 2 Insert the probe in the terminal Insert the ETEC card in the Smartspy device Perform the transaction following the explanations provided in the TIP Test Scenario 2007 MasterCard Terminal Integration Process Guide e November 2007 4 13 Acquirer Testing TIP Testing for the Authorization or Financial Messages Panass The Smartspy device logs the entire dialogue between the card and the terminal Go to the section Importing the Card Terminal Log to the PC to import the transaction to the PC for analysis and validation It may not be possible to use the Smartspy with motorized card readers such as ATMs In that case please provide proprietary logs with similar information or contact the TIP Team Nov 2007 PayPass M Chip Transaction ETEC subset 8 and Maestro PayPass ETEC subset 1 Perform the transaction following the explanations provided in the TIP Test Scenario The PayPass M Chip ETEC test card logs the entire dialogue between the card and the terminal Go to the section Importing the Card Terminal Log to the PC to import the transaction to the PC for analysis and validation PayPass Mag Stripe Transaction ETEC subset 6 1 Perform the transaction following the explanations provided in the TIP Test Scenario No card terminal log needs to be saved The PayPass Mag Stripe ETEC test ca
83. s cccccccccccccccescecssecessseeeneeecsseeesseesenseeesssesessseseneeseneeensies 4 34 a 2007 MasterCard 4 11 November 2007 e Terminal Integration Process Guide Acquirer Testing Introduction Introduction Once the TIP team sends you the specific tests particular to your terminal profile you e Perform the required tests e Analyze the log files to ensure that the tests were successful and complete the TIP Test Report e Send the completed TIP Test Report and all relevant log files to the TIP team Figure 4 1 TIP Workflow Acquirer Testing Perform Tests Analyze Results Testing Acquirer Send Completed TIP Test Report Logs 1 per test Simulator Log MCPS Log amp L 1 per test 1 log for all 93 gt clearing tests Upon receipt of the required items the TIP team analyzes the data provided and determines if the tests were successful If the tests were successful you receive the TIP Letter of Approval as explained in Chapter 5 If the tests were not successful you may need to perform one or more iterations as explained in Chapter 5 To avoid iterations we recommend that you carefully follow the explanations provided in this chapter and that you pay particular attention to the section Avoiding Iterations 2007 MasterCard Terminal Integration Process Guide e November 2007 4 1 Acquirer Testing Understanding the TIP Test Scenarios Understanding the TIP Test Scenarios For ease of use all
84. s file from the CEE before validating any new IPM test file 1 Select the IPM file in the MCPS CEE main window 2 Click File from the menu and then Remove file 2007 MasterCard 4 28 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Clearing Presentment Messages Extract and Save the MCPS Log The MCPS CEE Log Filename and path is displayed in the Log View window Figure 4 24 MCPS CEE Log Filename and Path Date Time Log Data APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 APR 10 2007 lt 10 14 55 10 40 28 10 40 28 User Cleared Log File MasterCard Clearing Presentment Simulator Version 07 1 1 Added file C Program Files MasterCard MasterINQ63 data_meas07_1 history TIP for Clearing IPM bo 14 Records Parsed 0 Errors 10 40 28 10 40 28 10 40 28 10 40 28 10 40 28 10 40 28 10 40 28 10 40 28 10 40 28 12 Records Validated 0 Records Invalid 12 Records Valid 0 Records Not Validated DE 55 Cryptogram Validation Details 10 40 28 10 40 28 10 40 28 v gt Show Errors Only New Log Clear Log Close Copy and rename this log file before sending it to MasterCard for review Please use the filename conventions described in Appendix A 2007 MasterCard Terminal Integration Process Guide e Novemb
85. s if your terminal has satisfactorily passed all tests Iterations If the test results are inconclusive the TIP Consultant indicates this in the TIP Test Report which is sent back to you for action You should remedy the problem perform the required re testing and submit the results to the TIP team This process is referred to as an iteration See Chapter 5 for more information about iterations Chapter 4 provides detailed explanations of this phase 2007 MasterCard Terminal Integration Process Guide e November 2007 1 11 Overview Tools for TIP Phase 5 MasterCard Approval Once you have successfully completed all tests you send the test results to the TIP Team The results are validated and if all tests were completed successfully the TIP Team sends you the following documents e Final TIP Test Report indicating the results of the tests e TIP Letter of Approval LoA applicable to the type of terminal that was tested Chapter 5 provides detailed explanations of this phase Tools for TIP A number of tools are available to facilitate the TIP They are summarized in the following sections Details on how to order these tools are provided in Chapter 2 ETEC Easy TEst Cards MasterCard has designed sets of test cards known as the ETEC cards to allow you to test your host and terminal payment applications compliance with Nov MasterCard requirements as defined in the M Chip Functional Architecture for 20
86. scription of Change Where to Look Added information relating to Maestro PayPass Chapter 1 Chapter 2 Chapter 4 Added information relating to clearing ICC system related data Chapter 1 Updated information relating to MasterCard network simulators Chapter 1 Chapter 4 Appendix A Updated information relating to the actions the TIP team performs to validate the Chapter 3 information you provide during the preparation phase Updated acquirer testing information Chapter 4 1 of 1 Terminal Integration Process Guide EMV and PayPass November 2007 D MasterCard Worldwid Proprietary Rights The information contained in this document is proprietary and confidential to MasterCard International Incorporated one or more of its affiliated entities collectively MasterCard or both This material may not be duplicated published or disclosed in whole or in part without the prior written permission of MasterCard Trademarks Trademark notices and symbols used in this manual reflect the registration status of MasterCard trademarks in the United States Please consult with the Customer Operations Services team or the MasterCard Law Department for the registration status of particular product program or service names outside the United States All third party product and service names are trademarks or registered trademarks of their respective owners Media This document is available e On MasterCard
87. support Vendor Relations all regions MasterCard Worldwide Customer Operations Services 2200 MasterCard Boulevard O Fallon MO 63368 7263 USA Address Telex customer_support mastercard com csd mastercard com helpdesk gc mastercard com helpdesk singapore mastercard com opetokyo mastercard com korea_helpdesk mastercard com css mastercard com lagroup mastercard com vendor program mastercard com 434800 answerback 434800 ITAC UI 2007 MasterCard November 2007 e Terminal Integration Process Guide Using this Manual Support Member Relations Representative Member Relations representatives assist U S members with marketing inquiries They interpret member requests and requirements analyze them and if approved monitor their progress through the various MasterCard departments This does not cover support for day to day operational problems which the Customer Operations Services team addresses For the name of your U S Member Relations representative contact your local Member Relations office Atlanta 1 678 459 9000 Chicago 1 847 375 4000 Purchase 1 914 249 2000 San Francisco 1 925 866 7700 Regional Representative The regional representatives work out of the regional offices Their role is to serve as intermediaries between the members and other departments in MasterCard Members can inquire and receive responses in their own languages and during their offices hours of operation For the name of the
88. team 2007 MasterCard November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Authorization or Financial Messages TIP Testing for the Authorization or Financial Messages Test Environment Setup with the MasterCard Network Simulator To set up your test environment you must 1 Install the MasterCard network simulator Users of the MasterCard Credit Debit Network Simulator may request a short guide explaining how to set up the MasterCard Credit Debit Network Simulator from the TIP team 2 Install the applications and devices for card terminal dialogue data logging for EMV transactions Smartspy PayPass transactions TcMonitor 3 Connect the terminal to the acquirer host system AHS as it will be connected in the live environment after approval including all intermediate connections where possible as shown in Figure 4 2 4 Connect your AHS to the MasterCard network simulator Figure 4 2 Test Environment Setup Terminal Acquirer Network Network Simulator Intermediate connections Acquirer lt gt Host System 2007 MasterCard Terminal Integration Process Guide e November 2007 4 9 Acquirer Testing TIP Testing for the Authorization or Financial Messages Deleting Previous MasterCard Authorization or MasterCard Debit Financial Simulator Logs L Note This section only applies to members using the CIS or MDS message format 4 10 This section provides
89. this 2007 scenario the objective is to determine if the terminal behaves correctly during an online transaction Applicability Conditions The Applicability Conditions section describes the transaction environment in which the test should be carried out They are linked to a specific scenario number in this instance Scenario 01 Transaction Type The Transaction Type section describes if the transaction is debit credit or both and if the test should be run online or offline When a test indicates online this means that the authorization request must pass through the MasterCard network simulator 2007 MasterCard Terminal Integration Process Guide e November 2007 4 3 Acquirer Testing Understanding the TIP Test Scenarios Reference Documentation The Reference Documentation section provides a reference to a specific chapter or section of the relevant reference documentation The prefaces of T the ETEC User Guide TIP User Manual for MasterCard PayPass Test Cards ETEC Subset 6 ETEC Subset 8 and Maestro PayPass ETEC Subset includes the complete list of all reference documentation Card Configuration The Card Configuration section describes the card settings related to the test In this scenario the AIP profile is set to 1800 to ensure that the card does not request the terminal to perform offline card authentication SDA or DDA process User Action The User Action section describes the tasks you must perform
90. ting for the Clearing Presentment Messages Reset the Terminal Clearing Batch or Terminal Approved Transaction Log To ensure that the IPM file that will be validated only includes clearing presentment messages that are related to the TIP testing MasterCard requires that the terminal approved transaction log or terminal clearing batch is reset prior to the TIP test This can either be done via a specific reset function on the terminal Cif available or by doing a terminal clearing batch download to the acquirer host prior to the TIP testing Reset the Clearing Batch on the Acquirer Host MasterCard requires that the IPM file that will be validated only includes clearing presentment messages that are related to the TIP testing for that terminal The related procedure depends on member host implementation Running the Transaction Prior to the download of the terminal clearing transactions to the acquirer host the related TIP transactions shall be authorized The related transactions shall be performed as described in the TIP test scenario using the designated ETEC test card The procedure for running the transaction in the context of clearing presentment messages testing is identical to the procedure for running the transaction in the context of authorization and financial message testing Refer to the Running the Transaction section TIP Testing for the Authorization or Financial Messages for additional details 2007 M
91. tup ASCII without RDW e Make sure the Validate DE55 Cryptogram option is set 2007 MasterCard 4 22 November 2007 e Terminal Integration Process Guide Acquirer Testing TIP Testing for the Clearing Presentment Messages Figure 4 17 Validate DE55 Cryptogram Option CEE Preferences m File Options Format Layout i C With RDW Cancel C EBCDIC No RDW C Pre Edit C 1014 EY sidste DE55 Cryptogram MV Create Crypto Log l Create 1644 640 Currency Update Messages M Create 1644 680 File Currency Summary Messages r Select Configuration MasterCard Default v Description Default Configuration Lifecycle Algorithm List Name MasterCard Default Member ID List Name MasterCard Default Start Processing Date 02 09 07 Perform Lifecycle Testing N Member File Folder Browse 3 Install the applications and devices to capture the card terminal dialogue e EMV transactions Smartspy e PayPass transactions TcMonitor 4 Make sure the acquirer infrastructure to capture terminal clearing batch information and generate the related IPM files is available In this context all terminal and acquirer clearing related functions shall be available and the terminal shall be connected to the acquirer host as it will be connected in the live environment including all intermediate connections where possible 2007 MasterCard Terminal Integration Process Guide e November 2007 4 23 Acquirer Testing TIP Tes
92. uirements e Maestro PayPass Acquirer Implementation Requirements he e TIP User Guide for MasterCard PayPass Test Cards ETEC Subset 6 e TIP User Guide for MasterCard PayPass Test Cards ETEC Subset 8 e TIP User Guide for Maestro PayPass ETEC Subset 2007 MasterCard November 2007 e Terminal Integration Process Guide Using this Manual Related Information For definitions of key terms used in this document please refer to the MasterCard Dictionary on the Member Publications home page on MasterCard OnLine and the MasterCard Electronic Library CD ROM To order MasterCard manuals please use the Ordering Publications service on MasterCard OnLine or contact the Customer Operations Services team To order PayPass manuals please use the ordering publication service on Www paypass com or contact paypass mastercard com TIP User Manuals are provided together with the ETEC test cards when purchased 2007 MasterCard Terminal Integration Process Guide e November 2007 5 Using this Manual Support Support Please address your questions to the Customer Operations Services team as follows Phone 1 800 999 0363 or 1 636 722 6176 1 636 722 6292 Spanish language support 1 636 722 7192 Fax Canada Caribbean Latin America South Asia Middle East Africa and U S E mail Asia Pacific Australia and New Zealand China Hong Kong and Taiwan South East Asia Japan Guam Korea Europe Spanish language
93. various activities required when rolling out chip terminals supporting contact and contactless technology Audience MasterCard provides this manual for members and their authorized agents Specifically the following personnel should find this manual useful e Members of staff who will perform the Terminal Integration Process TIP testing e Program Managers and Project Managers for acquirers migrating to chip either contact contactless or both e Member service providers working with acquirers migrating to chip either contact contactless or both e Vendors who develop EMV compliant terminals or PayPass compliant terminals Overview The following table provides an overview of this manual Chapter Description Table of Contents A list of the manual s chapters and subsections Each entry references a chapter and page number Using this Manual A description of the manual s purpose and its contents 1 Overview Provides an overview of the Terminal Integration Process TIP and places it in the context of the overall implementation process for a chip terminal supporting EMV contact technology PayPass contactless technology or both 2 Acquirer Preparation Describes the various actions that you must carry out to prepare for your TIP 3 MasterCard Validation Describes the various actions that the TIP Team performs in order to validate the information you provided during the preparation phase 4 Acquirer Testing Provides a step
94. wn in Table 4 3 Table 4 3 TIP Testing for Authorization or Financial Message in CIS or MDS Format Step Description 1 Setting up the test environment with the MasterCard Network Simulator Nov 2a Deleting previous MasterCard Authorization Simulator or MasterCard Debit 2007 Financial Simulator logs Running the transaction Importing the Card Terminal Log to the PC Saving the Card Terminal Log AJJAJ Saving the MasterCard Credit Debit Network Simulator logs For each test repeat steps 2a through 6 2007 MasterCard 4 6 November 2007 e Terminal Integration Process Guide Acquirer Testing Running the TIP Test Scenarios Steps V5 Message Format The TIP testing for authorization messages in V5 message formats includes the steps shown in Table 4 4 Table 4 4 TIP Testing for the Authorization Messages in V5 Format Step Description 1 Setting up the test environment with the MasterCard Network Simulator 2b Creating the MEAS simulator logs 3 Running the transaction 4 Importing the Card Terminal Log to the PC 5 Saving the Card Terminal Log 6 No action required The log is saved automatically For each test repeat steps 2b through 6 TIP Testing for the Clearing Presentment Messages The TIP testing for the clearing presentment messages requires the use of the MCPS simulator This testing is only applicable if you are using a dual authorization clearing interface
95. y You save the report with _MBR_01 at the end of the filename e g ACQ ICS ICC_070425 112349_MBR_01 xls where e MBR indicates that you the acquirer have updated the Acquirer ICS e 01 indicates the iteration number Once the Acquirer ICS is validated the TIP Consultant e Changes the end of the filename to MCD e Does not change the iteration number e Adds Final to indicate that TIP Acquirer ICS is completed e g ACQ ICS_ICC_070425 112349_MBR_Final_01 xls 2007 MasterCard A 2 November 2007 e Terminal Integration Process Guide Naming Conventions TIP Acquirer ICS Filename Figure A 1 Single Iteration MasterCard Acquirer files use extension MCD files use extension MBR Empty Acquirer ICS Acq ICS_ICC_070425_112349 ViCD_ 00 xls Fill in the Acquirer ICS Send the Acquirer ICS Acq ICS_ICC_070425_ 112349 MBR_01 xls Validate the Acquirer ICS zOrapama Acq ICS_ICC_070425_112349_NViCD_01_Final xls Final Send Final Acquirer ICS Acquirer ICS 2007 MasterCard Terminal Integration Process Guide e November 2007 A 3 Naming Conventions TIP Acquirer ICS Filename Two Iterations The TIP Consultant sends the TIP Acquirer ICS with _MCD_00 at the end of the filename e g ACQ ICS_ICC_070425 112349_MCD_00 xls where e MCD indicates that the report is sent by MasterCard e 00 indicates that the report is empty You save the report with _MBR_01 at the end of the filename e g
96. yPass M Chip Terminal ccccccccccccccccccccrseceetereeesnseeeescnsseeseeneeeeees 1 13 2007 MasterCard Terminal Integration Process Guide e November 2007 1 i Overview Dual Interface Termita irrena sii anis ena aia edness 1 13 SAS PY a E EA AE EE EEEE 1 14 TEMOMIIOT Tere as 1 15 MasterCard Network Simulatof sessessesisssrsseriserirerrrsrrrsrrirsrrrsrrrsrrrrerr 1 16 Choice of MasterCard Network Simulator s cccccccccccccceeessssseeeees 1 16 Benefits of MasterCard Network Simulators 0 cccccccsssceeeceeeeeennees 1 16 Updating MasterCard Network Simulators 1 16 MasterCard Clearing Presentment Simulator MCPS cccccccccesseceeeeees 1 17 PUN OSC iic RE on tase dhaadasaahentaiadgagease 1 17 Updating the MCPS 0 cccccccceesceceeceeceeeeeeneeeeneeeceneeesneeseneeesniteesnieeenns 1 17 2007 MasterCard November 2007 e Terminal Integration Process Guide Overview What is the Terminal Integration Process What is the Terminal Integration Process The Terminal Integration Process TIP is a key testing phase designed to test the terminal intermediate connections and the interface with the acquirer host system in conditions that are as close as possible to its final environment of use This includes the complete connection path from your terminal to either e The MasterCard Debit Switch MDS system if you are using the MDS single message format or e The Banknet RSC APC or EPS

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