![]() The response, called an ARPC, is sent back to the POS terminal and card. At the issuer host system, the ARQC is verified by a BCSS and integrated HSM application which returns an authorization response cryptogram for that specific transaction. The ARQC is sent by the terminal through the acquirer network to the issuer for verification and transaction authorization. In an EMV transaction environment, the card initiates, at the POS terminal, a transaction authorization request called an application request cryptogram (ARQC) that incorporates transaction data encrypted using card-unique keys. The important thing is that the keys are securely stored and only available for use inside the secure execution engine of the HSM. CVV and CVC security codes are similarly sent from the POS to the acquirer or issuer for verification using cryptographic keys inside the HSM. If the codes match, the transaction is authorized. The expected security code is compared to the one in the transaction. BCSS receives the encrypted PIN block, then sends the secret keys and security information to the HSM for decryption and use, so that the PIN and keys are never in the clear. The verification process for online PINs for both magnetic stripe card and EMV card transactions begins when a point-of-sale (POS) device or ATM encrypts the cardholder PIN block and sends the PIN block to the card issuer for authentication through the acquiring bank or processor. ![]()
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