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This application derives session keys from the card master key, following the algorithm described in EMV 4.1, Book 2, Part III, Annex A1.3. It then uses this key to generate authentication codes following the Chip Authentication Program (CAP) specification, when given the input to the disconnected card reader and the internal configuration of the card.

Session key derivation

(e.g. '0123456789ABCDEF0123456789ABCDEF')

(e.g. '00B4')

Card configuration



Input from customer
Mode    
   
Challenge  
 
Reference Amount
Transaction



“xxxx” is replaced by the ATC


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