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EMV - Understanding

This document provides instructions and notes for calculating cryptograms for an EMV transaction. It lists the data elements needed for the cryptogram request and response, including amounts, country codes, transaction details, keys, and counters. The process involves generating an application cryptogram for the request and verifying it for the response using the same cryptographic keys.

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420 views3 pages

EMV - Understanding

This document provides instructions and notes for calculating cryptograms for an EMV transaction. It lists the data elements needed for the cryptogram request and response, including amounts, country codes, transaction details, keys, and counters. The process involves generating an application cryptogram for the request and verifying it for the response using the same cryptographic keys.

Uploaded by

Sriramkmumar
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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Calculate Cryptogram ARQC/ARPC for

EMV ISO8583
Calculate Cryptogram Request ARQC

9F02 Amount, Authorised (up to 12 digits, numeric, last 2 are decimals)

Note: 9F02 - Authorised amount of the transaction (excluding adjustments)

9F03 Amount, Other (up to 12 digits, numeric, last 2 are decimals, zero if none):

Note: 9F03 - Secondary amount associated with the transaction representing a cashback
amount
9F1A Terminal Country Code (4 hex digits, 2 bytes):

Note: 9F1A - Indicates the country of the terminal, represented according to ISO 3166

95 Terminal Verification Results TVR (10 hex digits, 5 bytes):

Note: 95 - Status of the different functions as seen from the terminal

5F2A Transaction Currency Code (4 hex digits, 2 bytes):

Note: 5F2A – Indicates the currency code of the transaction according to ISO 4217

9A Transaction Date (6 numeric digits):

Note: 9A – Local date that the transaction was authorised

9C Transaction Type (2 numeric digits):

Note: 9C – Indicates the type of financial transaction, represented by the first two digits of the
ISO 8583:1987 Processing Code.
9F37 Unpredictable Number UN (8 hex digits):

Note: 9F37 – Value to provide variability and uniqueness to the generation of the application
cryptogram.

82 Application Interchange Profile (AIP) (4 hex digits):

Note: 82 – Indicates the capabilities of the card to support specific functions in the application

9F36 Application Transaction Counter ATC (4 hex digits):

Note: 9F36 – Counter maintained by the application in the ICC (incrementing the ATC is
managed by the ICC)

9F10 Issuer Application Data (IAD) (64 hex digits):

Note: 9F10 – Contains proprietary application data for transmission to the issuer in an online
transaction.

Cryptogram master key (32 hex digits):

Card Primary Account Number PAN (16-19 digits):

Card PAN Sequence number PSN:

Initialization Vector (32 hex digits, leave empty for zeroes):

Padding value (16 hex digits):

Calculate Request Cryptogram

Application Cryptogram (AC) (16 hex digits):


Calculate Cryptogram Response ARPC

Request Application Cryptogram (AC) (16 hex digits):

Card Status Update CSU (8 hex digits):

9F36 Application Transaction Counter ATC (4 hex digits):

Cryptogram master key (32 hex digits):

5A Card Primary Account Number PAN (16-19 digits):

5F34 Card PAN Sequence number PSN:

Initialization Vector (32 hex digits):

Padding value (16 hex digits):

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