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.

https://emvlab.org/ – the one stop site for payment system researchers and practitioners – © 2009–2019

This site is run by Steven Murdoch and hosted by the Information Security Group at University College London. More details about the work we are doing can be found on our information security research blog: Bentham’s Gaze.

EMV® is a registered trademark of EMVCo LLC. This site and its operators are not affiliated or associated with or endorsed by EMVCo. All other trademarks and registered trademarks are the property of their respective owners.