EMV Byte 5 - Overview of ARQC

[@msashikanth]

These videos are God sent (availability of this kind of low level details) ..... thanks Satish

[@LearnPayments]

Glad you like them!

[@patrikhlavacek5343]

Thank you for the series, most usefull material i found on youtube, keep it up

[@LearnPayments]

Thanks, for the kind words Patrik.

[@henryonuoha3764]

i just got hired as an intern at a fintech and these were really really really helpful. i cannot say thank you enough.

[@LearnPayments]

Dear Henry, Congratulations and Glad that the videos helped. Good luck for your Fintech career.

[@patilvijay48]

Today I learnt about ARQC And ARPC... Because of satish sir..Thank you so much

[@LearnPayments]

Thanks Vijay

[@surajsangle72]

Thank u so much for detailed explanation.. it's really helpful. Would like to learn from similar videos on contactless transactions, cvv3, dynamic CVV etc.

[@luckykatariya2900]

very helpful , Plz make videos on the use of AIDs and CAPkeys why they set and used during payment on POS

[@AG-wq8my]

Thank you for the series. Please explain offline pin validation.

[@madhav.vignesh]

It's really very useful

[@rahulwrs]

Very Nicely Explained!

[@casperwallen6443]

Thank you for the video!

[@avm6609]

Very useful sir. I have learnt a lot from the video. Can you please make a video on POS transaction flow along with the data elements. Thank you so much....!!!!

[@LearnPayments]

Thanks AVM. I've covered POS transaction flow with DEs in this playlist kzbin.info/aero/PLq6InkZqS2g0_lC2VxbRM9NZiSUQguyCH Please check it out.

[@Ucarlos958]

Hey thanks for the video! I would like to ask you if like you did with the chip data, your gonna show us a software that generate an arqc

[@skolastic5943]

Thank you for the series, excellent material. I am implementing the ARQC validation with an HSM, is it possible to contact you?

[@mvsuresh208vlogs9]

Are you working in vision plus technology if yes please let me know

[@Ogcheefin]

Where do you download the arqc or bp tools?

[@LearnPayments]

Believe you are talking about generating ARQC using BP-Tools, you can find it here www.eftlab.com.au/tutorials/bp-tools-cryptographic-calculator-emv-menu/

[@Ogcheefin]

@@LearnPayments yessir but I can’t find the link to download it

[@LearnPayments]

Check this - bp-tools.software.informer.com/14.0/ (Am not sure if it is official version, so I will leave the risk of downloading to you :) ). It usually used to be available on their website. You can also check this neapay.com/online-tools/calculate-cryptogram.html Cheers

[@andyjain1990]

At which step transaction convert into ISO 8583 message format

[@LearnPayments]

Guessing that you are asking if POS/ATM generates the 8583 or Acquiring switch generates the 8583 message?

[@andyjain1990]

@@LearnPayments when card swipe at POS so at which step transaction convert into ISO 8583 message format. I think POS terminal convert txn into ISO 8583 after arqc generation ?

[@LearnPayments]

Yep, typically after all the emv validation happens. PoS builds the message and passes it to the acquiring switch.

[@andyjain1990]

@@LearnPayments Thanku

[@sandeshvora]

After 4th step

[@sumojudah5925]

So do you create a arqc to make a transaction go through

[@LearnPayments]

If transaction has to go online then ARQC, it can be approved offline then TC.

[@sumojudah5925]

@@LearnPayments how???

[@LearnPayments]

Didn’t understand your question!

[@sumojudah5925]

@@LearnPayments how to create the arqc to be valid and make a transaction go through? There are programs out there but they don’t do it for you you have to do certain steps. And my thing is what are those steps?

[@LearnPayments]

Section 6.5.5 - EMV Book 3 - www.emvco.com/wp-content/uploads/2017/04/EMV_v4.3_Book_3_Application_Specification_20120607062110791.pdf

[@navinyaavthare7503]

sir can you please explain what is "IST file" in emv chips...…?

[@LearnPayments]

Hi Navinya, IST file is just a dump file of the applications / data present in the chip.

[@chandrasekharrout2957]

Hlo sir ,can you help me KW command for arqc validation

[@LearnPayments]

Hi Chandrasekhar, if you have any specific error that you’re facing, I can try to help. Drop an email with the error to [e-mail]

[@pppkenken6610]

Send emv is zeros teleportation

[@shrikirtijoshi765]

I have a query. For offline transaction the GENERATE AC command generates TC. For online authorisation ARQC is generated by the same command. Who makes this decision of offline or online? Card or terminal? What happens when terminal forces transaction for online authentication? And how is it forced?

[@LearnPayments]

You may want to watch this video (from this time), kzbin.info/www/bejne/oZvbgKdup5h9nMk to understand who makes the decision, and what happens next

[@vkydeepi]

HELLO SIR

[@vkydeepi]

Believe me, I am referring these videos for study and interview purpose.

[@vkydeepi]

Sir, PLEASE CAN YOU ALSO SUGGEST ON ARQC/ARPC AND ISSUERS SCRIPTS WHEN ITS CONTACTLESS TRANSACTION. How it's is possible to update chip data when it's contactless transactions where card may remain out of proximity range.

[@LearnPayments]

In case of Contactless transactions, the card is held by the customer in hand and so long as the card/device is present RF zone (terminal RF zone), the script processing can be performed successfully. If the card is removed from the RF zone, then the script processing can NOT be executed. Refer Section 3.11 - Issuer Script Processing of “Book C-5” of “EMV Contactless Specifications for Payment Systems” for further details. You can go thru the blog medium.com/@satish.vt/primer-faq-on-emv-scripting-3e521a088517

[@spambibi]

What causes ARQC_Validation_Failed error?

[@LearnPayments]

Any issue with input data can.