#1.

First jcop english

#2. Inserted your “Java Card J2A040” in your reader

#3. Pressed “Delete JCOP Files” (it deletes the files)

#4. Under “Script Type” select “Debit”

#5. As a final step click on “Format JCOP Chip” (it formates it)

#6. Once done take out the “Java Card J2A040”

——-Format is now DONE! ———

OPEN JCOP MANAGER AND CHECK YOUR JCOP CARDS ARE UNFUSED !!!

-- ATR SET AND ACTIVATION ---

Next

1. OPEN the ATR tool

2. Set the ATR of yor choice

3. Goto Tool tab, Click Format card

4. Done
=========================================

STEPS TO PRODUCE A CLONED J2A040 CARD USING X2

=========================================

#1. Open the X2 2020 and click on the “IST Generate” option (top left).

#2. Click on the “Read Card” button (middle bottom).

#3. From the details that appear on the screen “Copy Track 2 Data.”

#4. Click on the “EMV” option (located top left).

#5. Paste that “Track 2” data and replace “D” located in the middle of “Track 2” with “=”

#6. Insert “Card Holders Name” in its field it should be in “LAST NAME FIRST NAME” format (insert
capital letters).

#7. In “Application Label Field” insert “Card type” in our case it’s “VISA DEBIT” (insert capital letters).

#8. In “Track 1 Discretion Data” you checkmark the box first then delete the “Default Value” that gets
generated, then click on the “IST Generate” tab to copy “Track 1” then go back to the “EMV” tab and
insert “Track 1” in its field there.
#9. In the “Credit” field select your card type select “VISA” as our card was VISA (make sure to check
track 1 again as changing the value in this section will replace Track 1 with a default value, so if that
happens just replace that default value with Track 1 again) and in “Writer” field is “MCR200” as our
hardware is MCR200.

#10. In “AID” for “VISA” it’s “31010” for master it’s going to be “41010” so we typed “31010”

#11. In “Country Code” insert your country code, ours is “0840” for the US.

#12. In the “PIN” box insert your “Card/Dump Pin”

#13. In “Currency Code” insert your “Card/Dump Currency Code” for USD its “0840”

#14. In the “ARQC” section just “ignore that” for now.

#15. For “Pref Name” we can leave that “as it is” for now.

#16. For “Effective Date” click on the “Change Data” checkmark and then see the “Expiry Date” and
Reverse it 4 years so for example if the expiry date of the card/dump is 28/02/2022 the “Effective Date”
AKA Issue Date would be 28/02/2018 and you will insert it in “YYMMDD” format like “180228” inside
“Effective Date”

#17. For “Expiration Date” check the “IST Generate” tab and then see the “Expiry Date” on that page for
example if the expiry date of the card/dump is 28/02/2022 you will go back to the “EMV tab” and insert
it in “YYMMDD” format like “220228”

#18. Now take out the “Original Donor Card” and insert the “Java White Card” to clone in your
“MCR200” hardware.
#19. Now it’s time to burn the “White Java Card” by clicking on the “Credit” button located at the
bottom right.

#20. You will see once you click “Credit” the “MCR200” will start writing and once done it will say
“Completed Job.”

#21. Leave everything as it is!

——— CONGRATS HALF OF THE WORK IS DONE! ———

#22. Click on the “IST Generate” tab and then click on the “Read Card” button at the bottom.

#23. You must see the same data as you did when you inserted the “Original Donor Card” and clicked on
“Read Card” in “Step 1 and 2” and if you see the same info then congrats, let’s get to the next step.

#24. Now go to the “IST Generate” tab you see on top and click on the “Save” button that you see top
right beside the “load” button, it will ask you to save that file with the “ZLD” extension so save it at the
desktop with whatever name you like, Now you will click on “load” button and browse this file that you
just saved with “ZLD” extension and it will say “Successfully Loaded Tree data from a file.”

#25. Now on the same “IST Generate” page, it’s time to click on the “Generate IST” button that you see
at the bottom and save that with whatever name, it will save with extension “IST” we will need this file
later in step “35 below”.
#26. Now go to “EMV tab” and copy “Track 2” then go back in “IST Load” and paste that “Track 2” in
there, you do NOT need to fill in any other details on this page.

#27. Now you will open “BP tools Cryptographic Calculator”

#28. In the top tabs of this “Bp Tools Cryptographic Calculator,” you will see the “EMV” tab click on it and
select “Application Cryptograms” then select “EMV 4.2” and you will see you will end up on a screen with
“UDK” tab selected.

#29. Now you will see options boxes for “MDK” “PAN” and “PAN Seq Nr” you will also see “UDK
Derivation Option” with “Option A” and “Key Parity” with “Odd” Selected.

#30. The only thing you need to change on this screen is “PAN” which obviously stands for “Primary
Account Number” and you will get that from your “Track 2” so see the first 16 digit number that is also
the “16 Digit Card Number.”

#31. Go back to X2 2020 and in the “EMV tab” you will see the “first 16 digits of the card number” copy
them and now go to the “BP tools calculator” to replace the default PAN number with “Your own PAN
number” leave everything as default.

#32. Now you will click on the “Green Padlock” and you will see that will add “MDK” and “UDK” inside
the “output screen” on the right side.

#33. Then you will click on the next tab called “Common Session Key” and without changing anything
“Click the padlock” this will add more data such as “Common Session Key Derivation” and other keys in
our “Output Screen”

#34. Then click on the second last tab called “AAC/ARQC/TC” and hit the “Green Padlock” now this is the
last step to get what we are looking for see the bottom of your “Output Screen” and you will see the “AC
Generated Number” and that’s the ARQC we are looking for, so copy that number and close this “BP
tool” as all the work for this is done.

#35. Go back to X2 2020 in the “IST Load” tab and paste that “Ac Generated Number” from BP tools
inside the “ARQC 1” box, now its time to browse the file that you saved with the “IST” extension in “Step
25” above by clicking the “Open” button.

#36. Once you have the “IST File Path” + Track 2 + ARQC 1″ on this page it’s time to click on the “Burn”
button.

#37. Once you have done everything right you will see the “Completed Job” popup.

#38. The “Java White Card” is now written and ready to go!

——— ALL IS NOW DONE!! ———