how EMV cryptogram ARQC is culcalated by authorizer?

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Trying to verify ARQC cryptograms on authorizer side

have tried some available texts , but see divergences on key sizes.

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Adarsh Nanu On

Usually ARQC is verified by an HSM( hardware security module ). ARQC requires

  • all CDOL elements which were used by the card while ARQC was computed.
  • ATC
  • IMK-AC

Download EMV Book 2 and read section 8.1.2 Application Cryptogram Algorithm and its annexes to have a good understanding. Then you need to read the card's payment scheme's documentation for a dull understanding of the card you are working on.