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Talk to your Credit Card part 1

This app shows how to talk with a Credit Card and get information's like the Credit Card number, the card's expiration date and some other data.

The description can be found in an article series on medium.com: https://medium.com/@androidcrypto/talk-to-your-credit-card-part-1-select-ppse-paypass-payment-system-environment-674bbc9745eb

  • general overview about the app
  • ask the card which applications are available on the card ("select PPSE")
  • analyze the card's response and identify one or more of the application number or application id ("AID")
  • select one application on the card to work with ("select AID") [or iterate through the applications and run the following steps for each application]
  • analyze the card's response to find out what data the card needs to proceed (find the "processing options data object list" (PDOL))
  • analyze the card's response and get the content of the element "application file locator" (AFL) list
  • read all files given in the AFL list and find the file where there are the elements "Application Primary Account Number" and "Application Expiration Date"
  • print out the "Application Primary Account Number" ("PAN") = card number and "Application Expiration Date" = expiration date of the card.

The app uses the NFC ReaderMode to get access to the card.

There are apps available for each step in my GitHub repository - the naming shows the step that has the code including this step.

This is the app for the first step 1: select Paypass Payment System Environment (PPSE)) in TalkToYourCreditCardPart1.

The app is tested on real Android devices running Android versions 5.0.1, 8.0 and 13.

These are the steps to read a payment card, it is a kind of "question & answer" workflow:

  • ask the card which applications are available on the card ("select PPSE")
  • analyze the card's response and identify one or more of the application number or application id ("AID")
  • select one application on the card to work with ("select AID") [or iterate through the applications and run the following steps for each application]
  • analyze the card's response to find out what data the card needs to proceed (find the "processing options data object list" (PDOL))
  • analyze the card's response and get the content of the element "application file locator" (AFL) list
  • read all files given in the AFL list and find the file where there are the elements "Application Primary Account Number" and "Application Expiration Date"
  • print out the "Application Primary Account Number" ("PAN") = card number and "Application Expiration Date" = expiration date of the card.

step 2: after reading a Credit Card step 2: after reading a Credit Card

In AndroidManifest.xml grant these permissions:

    <uses-permission android:name="android.permission.NFC" />
    <uses-permission android:name="android.permission.VIBRATE" />

There are 3 dependencies necessary for the app to run:

build.gradle:

    // parsing BER-TLV encoded data, e.g. a credit card
    // source: https://github.com/evsinev/ber-tlv
    implementation 'com.payneteasy:ber-tlv:1.0-11'
    
    // pretty printing of card's responses
    // source: https://github.com/devnied/EMV-NFC-Paycard-Enrollment
    implementation 'com.github.devnied.emvnfccard:library:3.0.1'
    
    // implementing an about page
    implementation 'io.github.medyo:android-about-page:2.0.0'

Library ber-tlv

Source code: https://github.com/evsinev/ber-tlv

License: Apache-2.0 license

Library: EMV-NFC-Paycard-Enrollment

Source code: https://github.com/devnied/EMV-NFC-Paycard-Enrollment

License: Apache-2.0 license

Library: Android About Page

Source code: https://github.com/medyo/android-about-page

License: The MIT License (MIT)

Sound resources for pings

https://m2.material.io/design/sound/sound-resources.html

Licensed under Attribution 4.0 International (CC BY 4.0): https://creativecommons.org/licenses/by/4.0/legalcode

Find a complete logfile after reading a Credit Card with the app with the link.

License

Talk to your Credit Card Part 1 is available under the MIT license. See the LICENSE.md file for more info.