{
  "format": "com.hceimage.definition",
  "schemaVersion": 1,
  "kind": "card-profile",
  "payload": {
    "schemaVersion": 2,
    "id": "web-example-amex-online-pin",
    "name": "American Express example",
    "description": "Synthetic American Express contactless online test profile with a test-only PAN and public demonstration keys. No CVM below the configured terminal limit; online PIN above it. For authorized test terminals and host simulators only. Terminal and host configuration determine acceptance and approval.",
    "brand": "AMERICAN_EXPRESS",
    "formFactor": "PHYSICAL",
    "technologies": [
      "EMV_CONTACTLESS"
    ],
    "source": {
      "format": "CUSTOM",
      "author": "HCEImage",
      "originalId": "amex-contactless-online-pin",
      "originalDescription": "Adapted from the bundled test profile with public demonstration keys. Visa and Amex use newly invented test PANs; Mastercard retains its public synthetic PAN and matching test certificates."
    },
    "applications": [
      {
        "aid": "A000000025010403",
        "label": "AMERICAN EXPRESS",
        "pan": "374245999000036",
        "pdol": "9F3501",
        "cdol1": "9F02069F03069F1A0295055F2A029A039C019F3704",
        "cvmPolicy": "AMEX_ONLINE_PIN",
        "crypto": {
          "algorithm": "AMEX_AEIPS",
          "testMasterKeyAc": "0123456789ABCDEFFEDCBA9876543210",
          "panSequenceNumber": "00",
          "applicationInterchangeProfile": "1C80",
          "issuerApplicationData": "06020103803000",
          "keyDerivationIndex": "02",
          "cryptogramVersionNumber": "01",
          "cardVerificationResults": "803000",
          "testMasterKeyAcKcv": "08D7B4"
        }
      }
    ],
    "apduRules": [
      {
        "id": "select-ppse",
        "name": "SELECT PPSE",
        "request": {
          "cla": "00",
          "ins": "A4",
          "p1": "04",
          "dataPattern": "325041592E5359532E4444463031"
        },
        "response": {
          "data": "",
          "dataTemplate": "6F33840E325041592E5359532E4444463031A521BF0C1E611C4F08A0000000250104035010414D45524943414E2045585052455353",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "select-application",
        "name": "SELECT application",
        "request": {
          "cla": "00",
          "ins": "A4",
          "p1": "04",
          "dataPattern": "A000000025010403"
        },
        "response": {
          "data": "",
          "dataTemplate": "6F248408A000000025010403A5185010414D45524943414E20455850524553539F38039F3501",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "get-processing-options",
        "name": "GET PROCESSING OPTIONS",
        "request": {
          "cla": "80",
          "ins": "A8",
          "p1": "00",
          "p2": "00",
          "dataPattern": "83*"
        },
        "response": {
          "data": "",
          "dataTemplate": "771E82021C809418080101000805050008060600100202001005050020030400",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-1-1",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "01",
          "p2": "0C"
        },
        "response": {
          "data": "",
          "dataTemplate": "702A5713374245999000036D311270217101234500000F5F2012585020434152442030312F56455220322E30",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-1-5",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "05",
          "p2": "0C"
        },
        "response": {
          "data": "",
          "dataTemplate": "7000",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-1-6",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "06",
          "p2": "0C"
        },
        "response": {
          "data": "",
          "dataTemplate": "7081845F24033112315F25031710015A08374245999000036F5F3401009F07023D008E0C000000000000000042031F008C159F02069F03069F1A0295055F2A029A039C019F37048D178A029F02069F03069F1A0295055F2A029A039C019F37049F0D05F470C498009F0E0500000000009F0F05F470C498005F280208269F420208269F08020001",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-2-2",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "02",
          "p2": "14"
        },
        "response": {
          "data": "",
          "dataTemplate": "7000",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-2-5",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "05",
          "p2": "14"
        },
        "response": {
          "data": "",
          "dataTemplate": "70055F30020702",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-4-3",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "03",
          "p2": "24"
        },
        "response": {
          "data": "",
          "dataTemplate": "70059F66024004",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "read-record-4-4",
        "name": "READ RECORD",
        "request": {
          "cla": "00",
          "ins": "B2",
          "p1": "04",
          "p2": "24"
        },
        "response": {
          "data": "",
          "dataTemplate": "7000",
          "statusWord": "9000"
        },
        "outcome": "CONTINUE"
      },
      {
        "id": "generate-ac",
        "name": "GENERATE AC",
        "request": {
          "cla": "80",
          "ins": "AE",
          "dataPattern": "*"
        },
        "response": {
          "data": "",
          "dataTemplate": "771E9F2701809F3602{{ATC}}9F2608{{APPLICATION_CRYPTOGRAM}}9F1007060201{{AMEX_IAD_CVR}}",
          "statusWord": "9000"
        },
        "outcome": "SUCCESS"
      }
    ],
    "expectedFlow": [
      "select-ppse",
      "select-application",
      "get-processing-options",
      "read-record-1-1",
      "read-record-1-5",
      "read-record-1-6",
      "read-record-2-2",
      "read-record-2-5",
      "read-record-4-3",
      "read-record-4-4",
      "generate-ac"
    ],
    "testScenarios": [
      {
        "id": "no-cvm",
        "name": "No CVM purchase",
        "transactionType": "PURCHASE",
        "amountCondition": "BELOW_CVM_LIMIT",
        "amountNote": "Use an amount below the terminal contactless CVM limit.",
        "expectedCvm": "NO_CVM",
        "expectedOutcome": "ONLINE_AUTHORIZATION",
        "terminalSetup": [
          "Enable American Express Expresspay online processing.",
          "Start emulation before presenting the phone.",
          "Configure the test card/BIN table for synthetic PAN 374245999000036 if required.",
          "The application-cryptogram key is a public demonstration key with KCV 08D7B4; configure the host simulator accordingly if it verifies cryptograms."
        ],
        "knownLimitations": [
          "A payment application may report UNKNOWN_CARD if its card/BIN table does not include this test profile, even after the Expresspay card flow succeeds.",
          "A successful card flow requests online authorization; final approval or decline depends on the connected test host.",
          "The PAN and cryptographic keys are public synthetic test values, not real payment credentials.",
          "A supported AID alone does not ensure the payment application accepts the test PAN; UNKNOWN_CARD indicates a test card-table or routing limitation.",
          "These profiles are examples, not certified scheme test cases. A host decline does not by itself mean the NFC read failed."
        ]
      },
      {
        "id": "online-pin",
        "name": "Online PIN purchase",
        "transactionType": "PURCHASE",
        "amountCondition": "ABOVE_CVM_LIMIT",
        "amountNote": "Use an amount above the terminal contactless CVM limit.",
        "expectedCvm": "ONLINE_PIN",
        "testPin": "1234",
        "pinNote": "Enter the test PIN on the terminal when prompted. HCE Test Tool does not verify it; PIN validation depends on the connected test host.",
        "expectedOutcome": "ONLINE_AUTHORIZATION",
        "terminalSetup": [
          "Enable American Express Expresspay online PIN processing.",
          "Start emulation before presenting the phone.",
          "Configure the test card/BIN table for synthetic PAN 374245999000036 if required.",
          "The application-cryptogram key is a public demonstration key with KCV 08D7B4; configure the host simulator accordingly if it verifies cryptograms."
        ],
        "knownLimitations": [
          "A payment application may report UNKNOWN_CARD if its card/BIN table does not include this test profile, even after the Expresspay card flow succeeds.",
          "A successful card flow requests online authorization; final approval or decline depends on the connected test host.",
          "The PAN and cryptographic keys are public synthetic test values, not real payment credentials.",
          "A supported AID alone does not ensure the payment application accepts the test PAN; UNKNOWN_CARD indicates a test card-table or routing limitation.",
          "These profiles are examples, not certified scheme test cases. A host decline does not by itself mean the NFC read failed."
        ]
      }
    ]
  }
}