<Li> Authorization Request Cryptogram (ARQC)--Online authorization </Li> <Li> Application Authentication Cryptogram (AAC)--Offline decline . </Li> <P> This step gives the card the opportunity to accept the terminal's action analysis or to decline a transaction or force a transaction on - line . The card cannot return a TC when an ARQC has been asked for, but can return an ARQC when a TC has been asked for . </P> <P> Transactions go online when an ARQC has been requested . The ARQC is sent in the authorisation message . The card generates the ARQC . Its format depends on the card application . EMV does not specify the contents of the ARQC . The ARQC created by the card application is a digital signature of the transaction details, which the card issuer can check in real time . This provides a strong cryptographic check that the card is genuine . The issuer responds to an authorisation request with a response code (accepting or declining the transaction), an authorisation response cryptogram (ARPC) and optionally an issuer script (a string of commands to be sent to the card). </P>

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