Arqc_gen.rar -

Typically uses 3DES or AES depending on the card's profile. 3. Data Preparation (The Payload) EMV-Cryptogram-ARQC-Explained - by Deepthi Mallidi

You cannot use a single master key for every card. You must derive a for each card using: arqc_gen.rar

Used as diversification data to ensure every card has a unique key. 2. Session Key Generation Typically uses 3DES or AES depending on the card's profile

To prevent "replay attacks," a new must be generated for every single transaction: arqc_gen.rar

The Card's UDK and the Application Transaction Counter (ATC) .

The top-level secret stored in a Hardware Security Module (HSM).