Contactless kernels compared

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The kernels at a glance: who uses which, EMV and mag-stripe modes, fDDA and CDA, CVM.

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The opening of the article

2.13 · Level 2 — the kernel

EMVCo publishes one contactless kernel specification per payment system family (EMV Book C-1 to C-8) and a common kernel. They share Entry Point and Level 1, and differ in how much of the contact flow they keep.

⚠ This is an overview from public information, in our own words. Each kernel has its own specification, test plan and options; the simulator implements two educational models (C-2 style and C-3 style), not certified kernels.

In the full article

  1. Two families of design
  2. At a glance
  3. Key ideas
  4. What the simulator models
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