Shared keys

The issuer will sign a letter of delegation to delegate key management to a third party, such as card manufacturer, issuing processor, third party provider (3DS):

MDKs, CVKs, PVK, CAVV

Public-Private key pair

Each party, including CLOWD9, will generate its own pair of keys when required.

Issuer Public Key (IPK)

The Issuer Public Key (IPK) generation can be delegated to the card manufacturer. This has to be agreed between Issuer and Card Manufacturer.

ARQC

ARQC/ARPC process

Step 1 Authorisation ReQuest Cryptogram - Generation

Step 2 Authorisation ReQuest Cryptogram - Validation

Step 3. Authorisation ResPonse Cryptogram - Generation