title: What are the parameters used while generating CAVV & XID values at issuer ACS?
body: <p>How the validation will take place at VISA?</p>
  
  <p><strong>First part of my question</strong>: What are the parameters that are considered by any issuer ACS system while calculating XID &amp; CAVV values for a verified by VISA transaction (3d secure transaction). To start off, i'm aware that networks do provide a local key for each issuer with which the value can be encrypted, but what are the other parameters that are considered while generating these values?</p>
  
  <p><strong>Second part</strong> : What are the values that are specific to a cardholder are used while validating the XID &amp; CAVV at Verified by VISA site? I want to understand how the process flows for validation of these values.</p>
  
  <p>Any reference links related to these questions would help.</p>