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In an SDA setup, the data on the chip is static. During a transaction, the chip sends a fixed set of critical data elements to the terminal, alongside a digital signature created by the card issuer using their private key.

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One day, a local bank’s fraud team came to Mei. They had captured a suspicious card used in a gas station skimming case. The card looked real but acted strangely. They needed to analyze its chip without sending it to a lab in another country. In an SDA setup, the data on the chip is static

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