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.

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.