Does EMV use x.509 public key certificates?
No. The format of the EMV public key certificates is defined in Section 5 and 6 of Book 2 of the EMV Specification. They are more compact than x.509 certificates and are created using the ISO/IEC 9796-2 digital signature algorithm that provides “message recovery”. This results in a solution that specifically addresses the requirements of IC payment card transactions.
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