![]() ![]() NFC chips, or functionality, are starting to appear. Once again, which EMV tags are concatenated to prepare this input data is EMV scheme specific.įinally, once the Session Key and Input Data are ready, the Input Data is encrypted using the Session Key to give the ARQC. ARQC, which may be sent to the bank network for checking on a random basis. In parallel to the key derivation as described above, an important step of ARQC generation is “preparation of input data”, mentioned as point #3 in the list above. The issuer may then generate an application response cryptogram or ARPC. It's Session Key which is used for the final encryption in step 4. In an EMV transaction flow when a chip card is used at a chip enabled ATM or POS device and the transaction is sent online to the host for authorization the chip card will generate an application cryptogram called the authorization request cryptogram or ARQC. ![]() The Card Key is unique to the card and the Session Key is unique to the transaction. Some of these algorithms are standardized and part of the EMV specification while some others are proprietary with the vendor. Each EMV scheme (such as M/Chip and Visa) has its own algorithm for generation of the card key and/ or the session key. Includes X2 - All in one EMV Software - ARQC generator tool X2 All in One 2020 with NFC EMV - works. ![]() But to create an ARQC for a particular transaction, two new keys are required: the first key is called Card Key and the second key is called Session Key. When a card is out in the field, it already contains Issuer Master Key. Step 1 and 2: Card and Session Key Derivation Exact details vary from one chip program to another! ![]()
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