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IFR Processing is required in the SEPA Region to allow cardholders to choose their application of choice.

Arkos only support the option with an upfront button during technology selection.

Therefore, bit8 should be activated when IFR Processing is required.

How to configure the upfront button?

static private TlvTree getTableE1(){
      TlvTree E1 = null;    
      TlvTree inner = TlvTree.FromRaw(ArkosConfiguration.Get());        
      TlvTree nexoFastConfig = inner.GetChild(Configuration.NEXO_FAST_CONFIGURATION);        
      if (nexoFastConfig != null) {
        E1 = nexoFastConfig.GetChild(NexoFastConfiguration.E1_TABLE);
      }          
      return E1;
    }

static public boolean isUpfrontButtonConfigured(){
      TlvTree e1 = getTableE1();    
      if (e1 == null) {
          return false;    
      }
      byte[] eeaProcessSettings = e1.GetElementValue(E1Table.EEA_PROCESS_SETTINGS);    
      return ((eeaProcessSettings[0] & 0x80) !=0);
    }

Bit 6 and 5 are not supported since Arkos does not provide support to override selected application during CVM Process.

When a cardholder enters a card with multiple supported applications (for example a CB / Visa card), bit 7 will allow the application to automatically select the highest priority application without prompting for cardholder selection, unless the cardholder requested the choice of application.

It is the recommended default value for the best user experience.

When a cardholder presents a contactless card with multiple supported application (for example a CB Visa card), the application will automatically select the highest priority application without prompting for cardholder selection, unless the cardholder requested the choice of application. Bit 4 and 3 will also not be supported. Awaiting relevant use case to implement it.

How to use the upfront Button

In the Payment application, ArkosPay in our case, proceed to the execution of a payment. If we take as a reference point the following payment menu as an example, the AID button would represent the position of the upfront button.

image-20240202-150148.png

Upon presenting the payment card, the AID button needs to be pressed for the system to take into consideration the multiple supported applications of the Card.

In the following case, the supported applications are MasterCard and Maestro. Select one and proceed to the rest of the payment process.

image-20240202-152324.png

Expected Results

The CustomerConsent <CstmrCnsnt> attribute is the value displaying rather or not an explicite choise was made coming from the user in regards to the presented supported applications during the Payment process.

This attribute is located in the Transaction <Tx> section found in the Accepted Authorized Requeste <AccptrAuthReq>, Cancellation Advice <CxAdv>, Cancellation Request <CxReq>, and Completion Advice <CmplAdv>.

Example:

<AccptrAuthstnReq>
    <Hdr>
        ...
    </Hdr>
    <AuthstnReq>
        ...
        <Tx>
            ...
            <CstmrCnsnt>true</CstmrCnsnt>
            ...
        </Tx>
    </AuthstnReq>
    <SctyTrlr>
        ...
    </SctyTrlr>
</AccptrAuthstnReq>

The CustomerConsent <CstmrCnsnt> value is true when the user has choose to explicitly select one of the supported application, and is false when no application has been selected or when the default one has been applied.

For test purpose

Visa Contactless Multiple Application VISA.Cl.1004

Visa Contact Multiple Application VISA.Cl.0024

Visa Contact Multiple Application with ARSPD (9F0A) ADVT #24

MasterCard Contact Multiple Application with ARSPD (9F0A) M-TIP50

MasterCard Contactless Multiple application with ARSPD (9F0A) COM01/COM02

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