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← Payment Systems: Magstripe, Tokenization, NFC and EMV

Module 21 of 22 · Researcher · 120 min

The authorization leg: from cryptogram to decision

The card signs an amount it cannot verify, and the message that carries it restates that amount in a second place nobody signed. Following one cryptogram out through field 55 to the issuer and back as an ARPC, and a real message that admits nineteen different readings.

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What this module covers

  1. 01The round trip, end to end
  2. 02The twenty-nine bytes the card signed
  3. 03Field 55: where EMV crosses into ISO 8583
  4. 04The amount travels twice
  5. 05The issuer's answer, and what proves it
  6. 06The card's last word
  7. 07Matching a response to its request
  8. 08Authorizing is not paying
  9. 09Stand-in: when the issuer never sees it
  10. 10Reversals and repeats
  11. 11The dialect problem, demonstrated
  12. 12What to actually test
  13. 13The open question

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