Contactless EMV needs at least three components for a successful transaction:

• AIDS: Application identifiers, which allow the card to communicate with the reader. This means that if a card has application A and the reader has application A, they can communicate.

• CAPKs: Certificate Authority Public Keys, which allow the card to perform offline data authentication (ODA) to determine the validity of the certificate on the reader.

• Group Configurations: There are several contactless groups on the reader that can be configured depending on who you plan to process with or through.

You can load sample AIDs, CAPKs, and groups using our USDK Demo programs. After loading those components, you should be able to perform a sample contactless transaction with a supported card.

Contact EMV has similar requirements:

• AIDS: Applications exist on the card and in the reader. These applications are brand-specific (Visa, Master Card, etc.). During the Application Selection part of an EMV transaction, the reader and card exchange information about which applications they support. They then select an application they both support for the transaction. 

• CAPKs: Certificate Authority Public Keys, which allow the card to perform offline data authentication (ODA) to determine the validity of the certificate on the reader.

• Terminal Settings/Configuration: Terminal settings determine what the reader can and cannot do and how the transaction will process.

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