Typically uses 3DES or AES depending on the card's profile. 3. Data Preparation (The Payload) EMV-Cryptogram-ARQC-Explained - by Deepthi Mallidi
Used as diversification data to ensure every card has a unique key. 2. Session Key Generation arqc_gen.rar
To prevent "replay attacks," a new must be generated for every single transaction: Typically uses 3DES or AES depending on the card's profile
You cannot use a single master key for every card. You must derive a for each card using: arqc_gen.rar
The top-level secret stored in a Hardware Security Module (HSM).