By Cristian Radu
As magnetic stripe playing cards are being changed through chip playing cards that provide shoppers and enterprise larger safeguard opposed to fraud, a brand new average for this expertise is being brought by way of Europay, credit card and Visa (EMV). This quantity offers a complete review of the EMV chip resolution and explains how this know-how presents a chip migration course, the place interoperability performs a important function within the enterprise version. The paintings bargains an realizing of the safety difficulties linked to magnetic stripe playing cards, and provides the enterprise case for chip migration. furthermore, it explains the implementation of multi-application choice mechanisms in EMV chip playing cards and terminals, and indicates you the way to layout a multi-application EMV chip card structure.
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Extra info for Implementing Electronic Card Payment Systems (Artech House Computer Security Series)
The acquirer host is the computing system that accesses the merchant accounts database and represents the acquirer during the authorization, clearing, and settlement processes. The card association is the owner of the payment card product. The card association’s members are issuers and acquirers, providing the direct retail financial service for cardholders and merchants. The card association is responsible for running the interchange system that exchanges transaction data between acquirers and issuers during authorization, clearing, and settlement.
2 Roles involved in payment card processing 13 terminal at the point of service and its capabilities, and the identification information of the acquirer node that creates the authorization request message. In addition, the acquirer translates the initial PIN cryptogram received from the terminal into a second cryptogram that can be deciphered by the payment system operator’s secure module. The acquirer attaches the translated cryptogram to the authorization message. The acquirer transmits the authorization message to the payment system operator’s node in the payment network to which its acquirer host is connected.
It then computes the PIN image control value and compares it against the PIN image stored value, which is kept in the cardholder accounts database. Every time the comparison fails, the counter of available PIN attempts, which is kept in the cardholder’s record in the accounts database, is decreased. The counter is reset to the initial value of three attempts only after a successful PIN verification. The value of this counter is persistent from one session to another, such that an attacker cannot make more than three guesses.