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IC Card
Cardholder System
Merchant Server
Acquirer
1. Static Data Authentication 2. IAC || PI -display the purchase information(PI)to the cardholder -check the IC card presence, and forward 3. IAC 4. SIC(DAD)||CertIC 5. SIC(DAD) || CertIC -verify the certificate, the public key and the signature 6. Process Restriction -cardholder enters PIN via either keyboard or PIN pad 7. PIN Verification Request -PIN verification process 8. PIN Verification Response -if PIN verification response is success, perform Risk Management. Otherwise, end. 9. AC Command -perform card action analysis -generate Application Cryptogram 10. TC/AAC/ARQC 11. TC/AAC/ARQC -check TC/AAC/ARQC against PI -if TC/AAC is sent, store it with PI and the protocol ends. -if ARQC is sent, send message 11. 12. ARQC||PI 13. ARPC, (Script Process) 14. ARPC, (Script Process) 15. ARPC, (Script Process) 16. TC/AAC 17. TC/AAC -store TC/AAC with PI and end.
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