Card Provisioning To Wallet

Mobile has become the most important part of anyone's life. Without mobile you can't imagine your single  day at all. These days cards are also available on your mobile phones.

If your mobile support NFC (Near Field Contact) then you can enable this feature in your mobile.

POS Payment using NFC 

For using this feature you have to have Apple Pay, Samsung Pay or Google Pay (Android Pay) type of wallet software in your mobile. Apple Pay and Samsung Pay has a limitation that these apps are device specific. If we talk about apple, it has regional restriction as well, it doesn't work in may region. 

Apple Pay Vs Google  Pay Vs Samsung Pay

 
When you add your card in these Wallet App, this process is called as provision the Card(Also know as tokenization). In the provisioning process following terms are usually used:
1. Green Path: A virtual credit card is provisioned without referral to the issuer.
2. Yellow Path: The provisioning request is referred to the card issuer for an approval decision.
3. Red Path: The provisioning path is denied without referral to the issuer.

Today I am trying to explain about the provisioning process  VISA and MasterCard. Whenever you opened these wallet apps and try to register your card by scanning or entering data manually, then the message will be imitated for respected Association and following steps will perform in the background. 

VISA:
  1. VISA first send an Account Status Inquiry (ASI) to the issuer. The Message Type Identifier (MTI) will be 0100 and DE 43 will contain 'Visa Provisioning Service'.
  2. With the approval for the above request if the issuer sends Response Code as '00' then it will be considered as 'Green Path'.
  3. With the approval for the same request if the issuer sends Response Code as '85' then it will be considered as 'Yellow Path'.
  4. Once VISA indicated that the current provisioning will through Yellow Path then VISA will call invoke following API defined at issuer end.
    • Card Holder Verification Method: By this API VISA comes to know what all communication mediums are available for this card, accordingly it sends message to the wallet app to show the OTP options i.e. Email/SMS/Call to Call Center.
    • Send Pass Code Details: Once the user select one option among first two method, then VISA sends OTP to the Issuer for sending it to the customer.
  5. After OTP is verified by VISA then further processing will began.
  6. Now VISA sends the next message as Token Creation(TC) to the issuer. The Message Type Identifier (MTI) will be 0620 and Reason Code:3700(Token create).
  7. At last VISA will sends Issuer Token Device Provisioning Result message, which it kind of indication that VISA provisioning processed is finished.  The Message Type Identifier (MTI) will be 0620 and Reason Code:3711-(Device Provisioning Result).
  8. If we are on Green Path then 4th and 5th step would be skipped by VISA.
MasterCard:
  1. MasterCard will always send Message Type Identifier (MTI) as 0100 for all provisioning request.
  2. MasterCard supports two different messages for initiating the Card Provisioning process, i.e. Account Status Inquiry (ASI) or Token Eligibility Request (TER).
  3. MTI 0100 with POS Transaction Status Indicator as 8 represents the Account Status Inquiry (ASI).
  4. MTI 0100 with DE124 first 2 char 'TE' represents the Token Eligibility Request (TER).
  5. As Provisioning initiation issuer gets either of the one message. With the approval of this Provisioning get initiated.
  6. Then MasterCard sends the issuer Token Authorization Request (TAR). MTI 0100 DE124 first 2 char 'TA' represents TAR.
  7. If the issuer sends response code 85 means issuer is opting for 'Yellow Path'.
  8. If the issuer sends response code 00 means issuer is opting for 'Green Path'.
  9. If the issuer is opting for 'Yellow Path' then issuer has to send all communication mediums for the provisioning via response of the TAR.
  10. If the issuer is opting for 'Yellow Path' then MasterCard will send an additional message for OTP which is the Activation Code Notification (ACN). MTI 0100 DE124 first 2 char 'AC' represents ACN.
  11. At last MasterCard sends Token Completion Request (TCN) to Issuer. MTI 0100 DE124 first 2 char 'TC' represents TCN.
Apart from Manual Provisioning there is another method available for Provision that is know as Push Provision. I will write about that in another blog dedicated to Push Provisioning.

Source of the Images: Different site over internet.

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