The invention relates to using a common specification to encrypt and decrypt EMV tags. Currently, several EMV tags are not included and hence, payment gateways need to provide service based on different merchants. Hence, a common specification solves the problem of the payment gateways re-programming according to the needs to different merchants. Each merchant can program respective POS devices according to the common specification, thus reducing the complexity and burden on the payment gateways.
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Bansal, Naman and Taneja, Pankaj, "COMMON ENCRYPTION/ DECRYPTION SPECIFICATION", Technical Disclosure Commons, (July 22, 2020)