By Cristian Radu
As magnetic stripe playing cards are being changed by way of chip playing cards that provide shoppers and companies higher safety opposed to fraud, a brand new usual for this expertise is being brought by way of Europay, credit card, and Visa (Emv). This state of the art, new booklet offers you a accomplished assessment of the Emv chip answer and explains how this expertise offers a chip migration direction, the place interoperability performs a imperative function within the enterprise version. The publication will give you a greater figuring out of the protection difficulties linked to magnetic stripe playing cards, and offers the enterprise case for chip migration. furthermore, it explains the implementation of multi-application choice mechanisms in Emv chip playing cards and terminals, and exhibits you ways to layout a multi-application Emv chip card structure. This first-of-its-kind source additionally discusses the organizational and administration concerns in reference to the Emv chip migration and using Emv chip playing cards in e-commerce and m-commerce transactions. an exceptional reference for trendy It/e-commerce pros and post-graduate pupil alike, the booklet is helping you totally comprehend this rising, advanced check card know-how.
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Additional info for Implementing electronic card payment systems
1 Channel protection versus eavesdropping In the case of payment cards, the threat of eavesdropping or monitoring (see Appendix B) consists of obtaining the financial data, which is either embossed on the card or stored on the magnetic stripe of the card, and/or the confidential cardholder identification information like the PIN. The financial data can be tapped while it is exchanged between the card and the operator/terminal at the point of service in a face-to-face transaction or when it is sent over communication channels during a remote payment transaction.
Second, the terminal has a secure PIN pad, which was loaded by the interchange partners with adequate cryptographic keys for the computation of the PIN image control value, using the MAC generation/verification algorithm. 8 Payment network and interchange messages 37 the CCD (if using track 3) can be verified locally for assessing the card authenticity if the terminal at the point of service has the necessary cryptographic material to perform the MAC verification algorithm. If the card encodes the amount remaining this cycle field on track 3, the risk management at the point of service is improved with a rudimentary card risk management component intended for protecting the issuer against cardholders that overspend.
The discretionary data can also contain a language selection parameter that can instruct the terminal regarding the preferred language of the cardholder when displaying the messages. 22 Payment Card Processing Track 2 includes the same information as track 1, except for the cardholder’s name. It is important to notice that the length of the discretionary data conveyed by track 2 is smaller than that carried on track 1, while the content of this data is also proprietary to the issuer. In the case of credit card products, the name of the cardholder is printed on the receipt of the transaction, which is signed at the point of service by the cardholder.