To build a functional and secure ARQC generation or validation feature, you must implement the four-step cryptographic process defined by . 1. Key Diversification

The top-level secret stored in a Hardware Security Module (HSM).

Used as diversification data to ensure every card has a unique key. 2. Session Key Generation

If you are looking to develop a legitimate for a payment gateway, testing suite, or banking application, the process involves implementing standardized EMV cryptographic algorithms. 🛠️ Core Components of an ARQC Feature