Card Profile

Scheme / Spec

Selecting a profile presets the Session Key Method below (VSDC / EMV 4.1 → UDK direct; all others → Common SK 3DES). The ARPC method is chosen separately by its radio group. UDK derivation is EMV-common (choose Option A/B) and is not changed by the profile.

1. UDK Derivation

MDK (Master Derivation Key, 32 hex)

[ ][ ---- ][ ---- ]

PAN

[ ]

PAN Sequence (hex, e.g. 00)

Derivation Option

UDK (result)

[ ---- ][ ---- ]

2. Session Key Derivation

UDK (32 hex)

[ ][ ---- ][ ---- ]

Session Key Method

ATC (hex, e.g. 001A)

Session Key (result)

[ ---- ][ ---- ]

3. ARQC / ARPC

Session Key (32 hex)

[ ][ ---- ][ ---- ]

Terminal Data (hex) Terminal-contributed CDOL1 data. [ ]

ICC Data (hex) Card-contributed data appended internally — AIP ‖ ATC ‖ IAD. [ ]

Padding Method

ISO 9797-1 Method 1 — pad with 0x00

ISO 9797-1 Method 2 — pad with 0x80