SmartVista Front-End and Back-Office have been initially designed to support the EMV specification and provide for the issuing and acquiring of EMV compliant MasterCard/Europay and Visa card products based on chips from all major vendors, with a capability of issuing multi-application chip cards. Supported EMV features include: on-line and off-line processing of transactions from EMV terminals; verification of ARQC or TC/AAC, DAC, dynamic numbers, and message integrity; ARPC and MAC generation for message security; cardholder information capture and preparation for loading to the chip card; profile customization for different chip card products; EMV transaction clearing and settlement through payments networks.