Arqc-gen.exe: !exclusive!

: Derives a unique Session Key (SK_AC) using the card's Master Key (MK_AC), the Primary Account Number (PAN), and the Application Transaction Counter (ATC).

The application typically targets developers or security researchers who need to test EMV L3 certification arqc-gen.exe

If you download arqc-gen.exe from an untrusted site (Pastebin, GitHub Gist under fake names, Telegram groups), assume it is backdoored. Many forensic reverse engineers have found that “cracked” versions also upload discovered keys to a remote C2 server. : Derives a unique Session Key (SK_AC) using

It proves the card is and hasn't been tampered with. the Primary Account Number (PAN)

Example Python snippet (using pyscard and emv-crypto ):