10/26/22, 5:44 PM Calculate EMV Cryptogram ARQC-ARPC for ISO8583 payments

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Tools Calculate Cryptogram ARQC/ARPC for
ISO8583 Message
Configurator EMV ISO8583
ISO8583 Message including key derivation and session key calculation
Builder Just input the correct data from the ISO8583 Data Element 55, the EMV tags, then the keys and get the
request and response cryptogram just like it was generated by the
CHIP of the card
ISO8583 Message
Decoder

ISO8583 Message
Calculate Calculate
Parser-Legacy Cryptogram Request Cryptogram
ISO8583 Bitmap ARQC Response ARPC
fields decoder
9F02 Amount, Authorised
(up to 12 digits, Request
Application Cryptogram (AC) (16
EMV Tags List numeric, last 2 are decimals): hex digits):
Reference
E.g.:000000123400 E.g.:0123456789ABCDEF
EMV CHIP Terms
Definitions Copy
9F03 Amount, Other
(up to 12 digits,
numeric, last 2 are decimals, zero if none):
PIN block calculator Card Status Update
CSU (8 hex digits):

E.g.:000000123400
Cryptogram ARQC E.g.:00000000
calculator
9F1A Terminal Country Code
(4 hex digits, 2
9F36 Application Transaction Counter
ATC
MAC Calculator bytes):
(4 hex digits):
HSM Keys Compose E.g.:0586
E.g.:0123
EMV TLV Decoder
95 Terminal Verification Results
TVR (10 hex
Cryptogram master key (32 hex digits):
DES/3DES digits, 5 bytes):
Encrypt/Decrypt
E.g.:123456789ABCDEF123456789ABCDE
E.g.:0000040000
Card Generator Copy
Validator 5F2A Transaction Currency Code
(4 hex
digits, 2 bytes): 5A Card Primary Account Number
PAN (16-
Card Data
19 digits):
Generator
E.g.:0586
Track1 Track2 E.g.:12345678901234567
Generator 9A Transaction Date
(6 numeric digits):
5F34 Card PAN Sequence number
PSN:
CVV CVC iCVV CVV2 E.g.:180130
CVC2 E.g.:00
9C Transaction Type
(2 numeric digits):
HEX to Decimal
Initialization Vector (32 hex digits):
converter E.g.:00

BCD Decoder to E.g.:000000000000000000000000000000

9F37 Unpredictable Number
UN (8 hex
Decimal
digits): Padding value (16 hex digits):
HEX to ASCII
converter E.g.:10426EEE 8000000000000000

82 Application Interchange Profile

(AIP) (4
Calculate Response Cryptogram
hex digits):

E.g.:1200 result

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10/26/22, 5:44 PM Calculate EMV Cryptogram ARQC-ARPC for ISO8583 payments

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9F36 Application Transaction Counter
ATC
(4 hex digits):

E.g.:0123

9F10 Issuer Application Data (IAD) (64 hex

digits):

E.g.:0FA503A83001020000000000000000

Cryptogram master key (32 hex digits):

E.g.:123456789ABCDEF123456789ABCDE

Card Primary Account Number PAN (16-19

digits):

E.g.:12345678901234567

Card PAN Sequence number PSN:

E.g.:00

Initialization Vector (32 hex digits, leave

empty for zeroes):

E.g.:000000000000000000000000000000

Padding value (16 hex digits):

E.g.:8000000000000000

Calculate Request Cryptogram

Application Cryptogram (AC) (16 hex digits):

result

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How cryptogram Detailed cryptogram cal

calculation works culation data
Terminal data is composed from Terminal data:
the following fields: ICC data:
Terminal Data: Amount, Authorised (Numeric)
DOL data:
Terminal Data: Amount, Other (Numeric)

Terminal Data: Terminal Country Code

Terminal Data: Terminal Verification Results

Terminal Data: Transaction Currency Code

Terminal Data: Transaction Date

Terminal Data: Transaction Type

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10/26/22, 5:44 PM Calculate EMV Cryptogram ARQC-ARPC for ISO8583 payments

Terminal Data: Unpredictable Number

ICC data is composed from the

following fields:
ICC: Application Interchange Profile

ICC: Application Transaction Counter

Cryptogram - articles

EMV explained for programmers ISO8583 payments message Read smart card chip data with
format, programmers guide APDU commands ISO 7816

The short and direct programmer's

guide to deal with EMV data. How to There is plenty of documentation How to read smart cards chip and
parse and what it is.
Brief about ISO8583 out there on nfc data with apdu commands from
explanation of EMV Chip Data from Wikipedia, so making that again the card reader.
select the PSE
Read
the card
What is EMV? EMV stands does not make sense. However, I Record
Get processing options
Read
for Europay, MasterCard, Visa, want to have a different approach, Record
Get Challenge command
Get
abbreviation, the companies that more pragmatic and more Data command
...
founded them. Now it is owned by programmatic. ...
an association of many such
institutions. More details on EMV for
programmers
Where is EMV? EMV
data is in the chip of the card.EMV
CHIP terms
How do you read EMV?
EMV data is read from the card via
some APDU commands which
retrieve EMV data. APDU commands
info
What EMV data do you need?
Name, card number, expiration and
usually the tags for building the
cryptogram
Where do you use it?
You use it to populate Field 55 in the
ISO 8583 message. Details
on iso8583 for programmers
How
do you use EMV data? Field 55 is a
TLV field (tag-length-value). You can
decode it with our EMV TLV decoder
...

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