EMV Dumps Pin (ARQC/ARPC) Download – Generator Track1 and Track2 data

Hi Friends,


Is anyone aware of the algorithm used by VISA and MasterCard to produce the ARQC? I’m aware that they use different techniques, but I couldn’t locate anything thorough enough to verify a created ARQC. For example, http://www.emvlab.org/cryptogram/ has an online form, but the results aren’t the same. It’s possible that I used incorrect transaction data values, but the algorithm has no options. I also attempted the Thales Simulator, but the implementation appears to be flawed. The JCESecurityModule in jPOS does not implement the verifyARQCImpl-Method, which is exactly what I need.

This program will unlock dumps with EMV which was not available for you until now because POS ask for EMV.

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Because of the ARQC-ARPC bypass algorithm you can insert any pin, even if you insert 0000 the POS is going to approve the transaction.


This UDK-A/B component matches, but why is the UDK-A repeated here if it is not required?

> sKey:a8fb5816453b8392 f13885c72604ecc4 a8fb5816453b8392 f13885c72604ecc4
Again, we disagree: your result is too long, and I can’t replicate it on VSDC, MCHIP, or EMV2000.

I get:-

MCHIP 57cdae73d0257caea14c167594495b0e EMV2000 dbb3b2b715bee2b6e68d9ac6518975a4 VSDC 4ac445704620c12ab954492f6e5e5efd

Could you tell me the algorithm you’re attempting to replicate? The code appears to be MChip, but is that desired?

I believe this is where your disagreement begins.

4abeb01ea40719dc >

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What exactly is this value?

I believe your CVR data should include the length as well, making it 03020300 rather than just 020300.

I’m not sure if you’ve shared the ARQC presented by the card (or sim) yet, but I get:-

MCHIP 39769b06ba3d2b04 EMV2000 6085fb6be36a9af8 VSDC 35b8cf9289519754

If you go that far, you’ll be able to compare.

If none of the preceding ARQCs match your card’s (or the simulator’s – as I don’t sure what caused the ARQC you’re attempting to reproduce), it’s time to verify the keys used in the original, as well as the PAN sequence number. Perhaps share the original test transaction in its entirety, broken down into data components as well; and, of course, all data relevant to the test (I’m just not sure I’ve pulled each part out and back together as it is spread across multiple messages; a single post with all of the relevant test data might help).

Could you also share the data hex dump produced here:-

module.paddingISO9797Method2(outStream.toByteArray()); byte[] data

please, in case that is already padding (and you are getting extra data since you are manually adding the x’80’.


The UDK-A repeats because jPos creates a 16 Bit 3DES Key-Object. The default JCE Provider from Java doesn’t support 16 Byte 3DES Keys, you need at least 24 Bytes. So you append the first 8 bytes of the key to generate a valid 3 DES Key. But I’m using the Bouncy Castle Provider, which can handle 16 Bytes 3 DES Keys and does this automatically. If you remove the BouncyCastleProvider reference, a java.security.InvalidKeyException will be thrown.

The data I provides comes from an M/Chip. Is it supposed that on VSDC the iccMk and sKey are the same? As I tried to reproduce your sKey’s, if matched your VSDC-Key by changing my code to the following:

        // Key sKey = module.deriveCommonSK_SM(iccMk, applicationTransactionCounter);
Key sKey = module.deriveSK_VISA(iccMk, applicationTransactionCounter);
System.out.println(“sKey: ” + ISOUtil.byte2hex(sKey.getEncoded()));

The output ist now

sKey: 4ac445704620c13eb954492f6e5ea1164ac445704620c13e

Which matches your sKey but is identical to the iccMk.

I suggest we focus first on generating the sMk for M/Chip. As you can see I use the org.jpos.security.jceadapter.JCESecurityModule#deriveCommonSK_SM-Method from jPos to generate the sKey. The first parameter is the iccMk-Key-Object, the second the ATC (0x0014).

Key sKey = module.deriveCommonSK_SM(iccMk, applicationTransactionCounter);
Is anything wrong here, does M/Chip use another random-Value than ATC since the rest comes from jPos.

A note to the output values, the expected Application Cryptogram is 0x4B68C1D3849032C7 (generated by M/Chip TIP Test card), 0x4abeb01ea40719dc is the (wrong) result my program generates. Here’s the Hex-Dump of the transaction data as requested:

Data (before paddingISO9797Method2): 000000001000000000000000004080000480000978100514012e13374c1800001402030080
Data (after paddingISO9797Method2):  000000001000000000000000004080000480000978100514012e13374c1800001402030080800000

Hope you find some useful information.

The software is working with any EMV writer hardware on the market

Most common used EMV Reader/Writer hardware:
– ACR 83, ACR-38U, ACR122U, ACR 92
– OMNIKEY 3121, OMNIKEY 4040, OMNIKEY 4321 , OMNIKEY 3021, OMNIKEY 5321
– EZ1000PU
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You will need Java credit cards, the software is compatible with any Java JACOP card:
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For Java card’s compatibility please check with us.

The software offers a very high approved rate because of the dynamic algorithms and scripts
It can easy bypass arqc-arpc bank security check without closing or alert the bank provider, this means after you have a successful transaction the dump will remain open and will not immediately close. Of course the dumps
can be closed if they are reported stolen or have insufficient founds.

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Credit – Debit cards Track1 – Track2 generator

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For the SDA Bins you need ARQC , We have the ARQC generator.


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-[Mexico Software] We have specific softwares for specific banks and bins (Static or dynamic) .


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You will need : Omnikey or Acr38, etc, Jcop Smart Cards and an ARQC Generator/Calculator.

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Calculate Cryptogram ARQC/ARPC for EMV ISO8583

including key derivation and session key calculation

Just input the correct data from the ISO8583 Data Element 55, the EMV tags, then the keys and get the request and response cryptogram just like it was generated by the CHIP of the card


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