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EMV Key Management Explained - Cryptomathic

White Paper EMV Key Management Explained EMV Key Management Introduction For SDA, the smart card contains application data which is signed by This white paper strides to provide an overview of key Management the private key of the issuer's RSA key pair. When a card with an SDA. related to migration from magnetic stripe to chip in the payment card application is inserted into a terminal, the card sends this signed static industry. The paper is written as an educational note that enables the application data, the CA index, and the issuer certificate to the terminal. reader to gain a good understanding of the certificates, keys, and secu- The terminal verifies the issuer certificate and the digital signature by rity processes involved with EMV key Management . comparing these to the actual application data present on the card.

and cryptographic keys) and finally write that data onto the chip. The last step is termed personalization. ... Figure 1: EMV Entities (from a Key Management Viewpoint) 3DES Crypto Whereas SDA, DDA and CDA are based on the RSA public key infra-structure, 3DES is used for evaluating the actual transaction request. The

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