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EMV(Chip) Cards - What's the point of having the chip card communicating directly to the authorising server? & Clarification of CDA in EMV

Ok I understand from my research that the Chip Card creates an AC Key(MasterKey+AccNumber) to communicate with the authorizing server securely (3DES key to have encrypted communication) but I don't ...
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3answers
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What are the problems that Chip card technology solve? and what are the problems EMV solve? Are the separate things?

What are the problems that Chip card technology solve? and what are the problems EMV solve? I understand that EMV is a standard where as chip card is a technology, It's pretty hard to tell them ...
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4answers
818 views

Why EMV cards cannot be cloned?

It's frequently stated that EMV cards cannot be cloned. I'd like to know, specially with commodity smart card readers/ writers, why is this true? What specific data cannot be read using commodity ...
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1answer
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Advantages of using a Digital Signature Scheme (DSS) with Appendix instead of DSS giving Message Recovery

I've been looking at the EMV draft specification (pdf) for using Eliptic Curve Cryptography in payment cards instead of the currently used RSA. One thing I've noticed is that they've moved from using ...