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Originally Posted by Creator2
I have a problem cashing out with clones.
I follow this method. Initialize, delete and format the jcop card. Set ATR. Set IST files with X2 and tried Isttool too. Finally ARQC.
Each time when i use it to the ATM i enter the PIN and see balance. I choose the amount for withdrawal. I can read processing withdrawal. Just after it says decline.
On the ATM ticket i can read "The financial institution is unavailable to approve the transaction at this time"
If the financial institution can't be reached could it be because i used the wrong ATR ?
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This is why chip cloning with emv software will never ever work
The key is that EMV cards don't just output the same response every time. They're a*challenge-response*system: they work by reading a "challenge" message from the terminal, doing some computation within the chip, and then outputting a unique "response" message back. If you capture that response, you're only capturing*one possible output*-- the one that corresponds to the challenge it was sent. Since a terminal*should*never output the same challenge twice and the challenge*should*be unpredictable, then that capture response*should*be useless in the future.
In order to fully clone an EMV chip, you need to know the secret that's stored inside it. Since it never transmits that secret, obtaining it is impractical.
This in contrast to other identification technology such as RFID and magnetic stripes which only know how to transmit*one*number. In the case of these technologies, cloning that output is reasonably simple