Offline combined DDA with application cyptogram (CDA) card authentication is a protocol for verifying that an EMV card is legitimate.
Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration.
In CDA, the card generates a dynamic signature and an application cryptogram together.
CDA is the fastest and most secure offline card authentication protocol. Some payment brands mandate the use of CDA to authenticate certain transactions.
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