EMV simplification services
EMV simplification services are provided to assist in implementing EMV processing. These services provide key management support for generating master keys and deriving session keys. They provide EMV processing and functions for MasterCard, EMV, and Visa standards.
For Visa, the Cryptogram Version 10 key derivation is used. See Visa specification, Appendix D2. Padding is with binary zeroes until the length is a multiple of 8 bytes.
For MasterCard, M/CHIP 2 key derivation is used. EMV padding rules are used.
For EMV, the session key derivation is used as described in EMV Book 2, Annex A1.3. EMV padding rules are used.
Master keys are:
- Application Cryptogram Key (AC)
- Used during EMV Transaction Processing (ARQC/ARPC).
- Secure Messaging Authentication Key (MAC)
- Used to provide integrity for EMV scripting.
- Secure Confidentiality Key (ENC)
- Used to provide confidentiality for EMV scripts containing PINs.
- DATA Key (DATA)
- Used to encrypt and decrypt data used in EMV Verification Functions.