Counter Updates Processing Using the Verified CSU

1. The card determines whether to use the ‘Update Counters’ bits in the verified CSU or the ‘Default Update Counters’ bits in the ADA as the counter controls for this section as follows.

– The ‘Update Counters’ bits in the verified CSU shall be used as the counter controls if either of the following is true:

 The ‘CSU Created by Proxy for the Issuer’ bit in the verified CSU has the value 0b

 The ‘CSU Created by Proxy for the Issuer’ bit in the verified CSU has the value 1b and the ‘Use Default Update Counters in ADA if CSU is generated by a proxy’ bit in the ADA is set to 0b.

Otherwise the ‘Default Update Counters’ bits in the ADA shall be used as the counter controls.

2. The counter controls chosen in step 1 are used as follows:

– If Profiles Functionality is not supported and the counter controls chosen in step 1 indicate ‘Do not update velocity-checking counters’ (00b), then the following counters shall not be updated or reset:

 Cumulative Total Transaction Amount (CTTA)

 Consecutive Transaction Counter (CTC)

 Consecutive Transaction Counter International (CTCI)

 Consecutive Transaction Counter International Country (CTCIC)

Visa Integrated Circuit Card Specification (VIS) 13 Completion Processing Version 1.5 13.6 Processing Response Data for Online Authorized Transaction

 Contactless Transaction Counter (CLTC)

 VLP Available Funds

– If Profiles Functionality is not supported and the counter controls chosen in step 1 indicate ‘Set velocity-checking counters to Upper Limits’ (01b), then the following counters shall be updated to the value of the associated upper limit as follows:

Note: Issuers are cautioned that if the Upper Limit for a counter supported in the application is not present, this update will not change the value of the counter.

 Cumulative Total Transaction Amount (CTTA) to Cumulative Total

Transaction Amount Upper Limit (CTTAUL) if the ‘Do not reset CTTA during GENERATE AC’ bit of the ADA is set to 0b

 Consecutive Transaction Counter (CTC) to Consecutive Transaction Counter Upper Limit (CTCUL)

 Consecutive Transaction Counter International (CTCI) to Consecutive Transaction International Upper Limit (CTIUL)

 Consecutive Transaction Counter International Country (CTCIC) to Consecutive Transaction International Upper Limit (CTIUL)

 Contactless Transaction Counter (CLTC) to Contactless Transaction Counter Upper Limit (CLTCUL)

 If the card also supports qVSDC functionality and the ‘Do not reset VLP Available Funds during GENERATE AC’ bit of the ADA is set to 0b, reset VLP Available Funds to zero

– If Profiles Functionality is not supported and the counter controls chosen in step 1 indicate ‘Reset velocity-checking counters to zero’ (10b), then counters shall be reset as follows:

 Cumulative Total Transaction Amount (CTTA) to zero if the ‘Do not reset CTTA during GENERATE AC’ bit of the ADA is set to 0b

 Consecutive Transaction Counter (CTC) to zero

 Consecutive Transaction Counter International (CTCI) to zero

 Consecutive Transaction Counter International Country (CTCIC) to zero

 Contactless Transaction Counter (CLTC) to zero

 If the card also supports qVSDC functionality and the ‘Do not reset VLP

13 Completion Processing Visa Integrated Circuit Card Specification (VIS) 13.6 Processing Response Data for Online Authorized Transaction Version 1.5

– If Profiles Functionality is not supported and the counter controls chosen in step 1 indicate ‘Add transaction to velocity-checking counters to zero’ (11b), then the following counters shall be updated as follows:

 If the Transaction Currency Code is equal to the Application Currency Code, then increment the Cumulative Total Transaction Amount by the Amount, Authorized.

 If the Transaction Currency Code is not equal to the Application Currency Code but is equal to one of the Conversion Currency Codes in Currency Conversion Parameters, then increment the Cumulative Total Transaction Amount by the approximate value of the amount converted to the Application Currency (using the Amount, Authorized and the Currency Conversion Factor associated with the matching Conversion Currency Code).

 Increment the Consecutive Transaction Counter (CTC) by one.

 Increment the Consecutive Transaction Counter International (CTCI) by one if either of the following is true:

– the Transaction Currency Code is not equal to the Application Currency Code nor to any of the Conversion Currency Codes in Currency

Conversion Parameters

– the Terminal Country Code does not match the Issuer Country Code and the ‘CTCI also counts non-matching country code transactions’ bit of the ADA is set to 1b.

 If the Terminal Country Code is not equal to the Issuer Country Code, increment the Consecutive Transaction Counter International Country (CTCIC) by one.

– If Profiles Functionality is supported and the counter controls chosen in step 1 indicate ‘Do not update velocity-checking counters’ (00b), then the following counters shall not be updated or reset:

 any Cumulative Total Transaction Amount x

 any Consecutive Transaction Counter x

 any Consecutive Transaction Counter International x

 any Consecutive Transaction Counter International Country x

 Contactless Transaction Counter (CLTC)

 VLP Available Funds

Visa Integrated Circuit Card Specification (VIS) 13 Completion Processing Version 1.5 13.6 Processing Response Data for Online Authorized Transaction

– If Profiles Functionality is supported and the counter controls indicate ‘Set velocity-checking counters to Upper Limits’ (01b), then the following counters shall be updated to the value of the associated Upper Limit as follows:

Note: Issuers are cautioned that if the Upper Limit for a counter supported in the application is not present, this update will not change the value of the counter.

 For every Cumulative Total Transaction Amount x, if the ‘Allow reset of CTTA x’ bit of the Profile Control for the transaction is set to 1b, then set Cumulative Total Transaction Amount x to the Cumulative Total Transaction Amount Upper Limit x.

 For every Consecutive Transaction Counter x, if the ‘Allow reset of CTC x’ bit of the Profile Control for the transaction is set to 1b, then set Consecutive Transaction Counter x to the Consecutive Transaction Counter Upper Limit x.

 For every Consecutive Transaction Counters International x, if the ‘Allow reset of CTCI x’ bit of the Profile Control for the transaction is set to 1b, then set Consecutive Transaction Counters International x to the Consecutive Transaction International Upper Limit x.

 For every Consecutive Transaction Counters International Country x, if the

‘Allow reset of CTCIC x’ bit of the Profile Control for the transaction is set to 1b, then set Consecutive Transaction Counters International Country x to the Consecutive Transaction International Upper Limit x.

 If the ‘Allow reset of CLTC’ bit of the Profile Control for the transaction is set to 1b, then set Contactless Transaction Counter (CLTC) to the Contactless Transaction Counter Upper Limit (CLTCUL).

 If the card also supports qVSDC functionality and the ‘Do not reset VLP Available Funds during GENERATE AC’ bit of the ADA is set to 0b and the

‘Allow reset of VLP Available Funds’ bit of the Profile Control for the transaction is set to 1b, then set VLP Available Funds to zero

13 Completion Processing Visa Integrated Circuit Card Specification (VIS) 13.6 Processing Response Data for Online Authorized Transaction Version 1.5

– If Profiles Functionality is supported and the counter controls chosen in step 1 indicate ‘Reset velocity-checking counters to zero’ (10b), then counters shall be reset as follows:

 For every Cumulative Total Transaction Amounts x, if the ‘Allow reset of CTTA x’ bit of the Profile Control for the transaction is set to 1b, then reset Cumulative Total Transaction Amount x to zero.

 For every Consecutive Transaction Counters x, if the ‘Allow reset of CTC x’ bit of the Profile Control for the transaction is set to 1b, then reset Consecutive Transaction Counter x to zero.

 For every Consecutive Transaction Counters International x, if the ‘Allow reset of CTCI x’ bit of the Profile Control for the transaction is set to 1b, then reset Consecutive Transaction Counters International x to zero.

 For every Consecutive Transaction Counters International Country x, if the

‘Allow reset of CTCIC x’ bit of the Profile Control for the transaction is set to 1b, then reset Consecutive Transaction Counters International Country x to zero.

 If the ‘Allow reset of CLTC’ bit of the Profile Control for the transaction is set to 1b, then reset Contactless Transaction Counter (CLTC) to zero

 If the card also supports qVSDC functionality and the ‘Do not reset VLP Available Funds during GENERATE AC’ bit of the ADA is set to 0b and the

‘Allow reset of VLP Available Funds’ bit of the Profile Control for the transaction is set to 1b, then reset VLP Available Funds to the VLP Funds Limit

Visa Integrated Circuit Card Specification (VIS) 13 Completion Processing Version 1.5 13.6 Processing Response Data for Online Authorized Transaction

– If Profiles Functionality is supported and the counter controls chosen in step 1 indicate ‘Add transaction to velocity-checking counters to zero’ (11b), then the counters shall be updated as follows:

 For each Cumulative Total Transaction Amount x, if the ‘Allow counting in CTTA x’ bit of the Profile Control for the transaction is set to 1b:

– if the Transaction Currency Code is equal to the Application Currency Code, then increment the Cumulative Total Transaction Amount x by the Amount, Authorized.

– If the Transaction Currency Code is not equal to the Application Currency Code but is equal to one of the Conversion Currency Codes in Currency Conversion Parameters, then increment the Cumulative Total Transaction Amount x by the approximate value of the amount converted to the Application Currency (using the Amount, Authorized and the Currency Conversion Factor associated with the matching Conversion Currency Code).

 For each Consecutive Transaction Counter x; if the ‘Allow counting in CTC x’

bit of the Profile Control for the transaction is set to 1b, then increment the Consecutive Transaction Counter x by one

 For each Consecutive Transaction Counter International x, increment the Consecutive Transaction Counter International x by one if both of the following are true:

– the ‘Allow counting in CTCI x’ bit of the Profile Control for the transaction is set to 1b

– either of the following is true:

 the Transaction Currency Code is not equal to the Application Currency Code nor to any of the Conversion Currency Codes in Currency Conversion Parameters

 the Terminal Country Code does not match the Issuer Country Code and the ‘CTCI also counts non-matching country code transactions’ bit of the ADA is set to 1b

 If the Terminal Country Code is not equal to the Issuer Country Code; then for each Consecutive Transaction Counter International Country x, if the ‘Allow counting in CTCIC x’ bit of the Profile Control for the transaction is set to 1b, then increment the Consecutive Transaction Counter International Country x by one

13 Completion Processing Visa Integrated Circuit Card Specification (VIS)