SmartOI L2 Kernel

SmartOI L2 Kernel module consists of the following functionalities to handle main processing in EMV transaction, and running based on the SmartOI L2 Core module.

EMV Command


Triple DES encrypt/decrypt

Standard Message

Application Selection

Initiate Application

Read Application Data

Offline Data Authentication

Processing Restriction

Cardholder Verification

Terminal Risk Management

Terminal Action Analysis

Card Action Analysis

Issuer Script/Issuer Authentication Data

Kernel User Interface

Kernel Utility

Vendor implementation

IFM(ICC reader) interface

Online host interface

Batch data capture

User Interface

sample acquirer application

sample Applicatoin Kernel application


    • compact

    • reliable

    • modularized based on the functionality

    • optimized to get the best performance