Articles with tag: ARQC

What is ARQC

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Each EMV transaction request is supposed to contain ARQC, which is a cryptogram generated from the transaction data. In the context of EMV, a cryptogram can be thought of as a digital signature on the financial transaction. A valid, verifiable cryptogram tells you two things:

the financial message originated from the source that it claims to be from
the contents of the message have not been altered

There are two cryptograms used in EMV: ARQC (Authorisation Request Cryptogram) and ARPC (Authorisation Response Cryptogram). The first one, ARQC, is generated by the card (after taking some values from the terminal), and hence it's part of a request message. The second one, ARPC, is generated by the issuer and hence it's part of a response message.