I've successfully been able to retrieve the card number and expiry date from a contactless debit/credit card. However, the cardholder name is not being returned in the READ RECORD command response. Am I missing a something?
- Select Application
# IN_DATA_EXCHANGE
>> D4 40 01 00 A4 04 00 07 A0 00 00 00 03 10 10 00
<< D5 41 00 6F 43 84 07 A0 00 00 00 03 10 10 A5 38 50 10 56 69 73 61 20 20 20 20 20 20 20 20 20 20 20 20 9F 38 18 9F 66 04 9F 02 06 9F 03 06 9F 1A 02 95 05 5F 2A 02 9A 03 9C 01 9F 37 04 BF 0C 08 9F 5A 05 31 08 26 08 26 90 00
- Read the card
# IN_DATA_EXCHANGE
>> D4 40 01 00 B2 01 0C 00
<< D5 41 00 70 12 57 10 XX XX XX XX XX XX XX XX D1 50 52 01 00 00 00 01 90 00
It's not uncommon for an EMV payment card to not reveal the cardholder name over the contactless interface. In fact, all major brands have introduced this as a privacy feature. On many cards the cardholder name field (tag 5F20) is present but filled with a string like " /" to indicate that the cardholder name is not to be revealed. At least for Visa cards (like the one you have above) the cardholder name field is not mandatory (and if its not present, its value should be assumed as " /"). You might want to also check other records/files on the card. Some cards also provide this field in response to the GET PROCESSING OPTIONS command only.