News

Generating a cryptogram of the EMV transaction

All three applications support the generation of a transaction cryptogram, which acts as proof that the card operation was performed, as well as to ensure the integrity of the data transmitted to the Issuer. The only difference in cryptograms is that the CPA application cryptogram, unlike the M/Chip 4 and VSDC applications, uses the IAD object instead of the CVR object, which includes the CVR object, among other things.Conclusion. The cryptogram generated in the CPA application, in addition to its main purpose — online authentication of the...

read more

Verification of the card holder

All the applications under consideration support cardholder verification in the same way: verification methods (CVM Code) and their application codes (Condition Code) are the same in all applications and comply with the EMV V. 4.2 standard.Output. All the applications under consideration support cardholder verification in exactly the same way: the verification methods and their application codes are the same in all applications.Card risk management proceduresThe card’s risk management procedures are the main component of its...

read more

Specification of the EMV standard in the CPA application

Additional requirements for the CPA applicationFurther refinements of the EMV standard adopted in application CPA are listed below:if the payment System Environment (PSE) directory is supported on the CCD card, it is the only DDF File on the card. In other words, in the PSE CPA card DEF file, all Directory Entry objects (Tag ‘61’) represent only ADF files. At the same time, the CPA card must support selecting the application by the shortened name of the card application directory (selecting the application by at least 5 higher bytes of DF...

read more

Comparison of EMV-compatible applications

The purpose of this section is to compare the functionality, security, and implementation features of the most popular EMV-compatible applications on the market. These applications primarily include applications of the leading payment systems VISA and MasterCard, known under the brands VSDC and M/Chip, respectively.The previous version of the EMV standard (version 4.1, approved in may 2004) introduced the Common Core Definition (CCD) specification and introduced the concept of a CCD application.The CCD specification specifies the set and...

read more

Security issues for EMV payments

For contactless cards, along with the standard set of security threats typical for contact microprocessor cards, there are special threats associated with the use of a radio channel for data exchange between the reader and the card. Here we can start with the fact that today’s contactless card technology violates certain provisions of the PCI Data Security Standard (PCI DSS). Since the terminal and card dialog data are not encrypted (asymmetric encryption is too slow to meet the requirements for contactless payments), the PCI DSS...

read more

Stage of card manufacturing

To manage SIM/UICC card content, two refinements are required in part of the GlobalPlatform Messaging Specification. The first refinement is related to adding the Controlling Authority role with two functions:controlling the Controlling Authority Security Domain (CASD), which provides secure loading of the initial keys of the card security domains;control of a special security domain that performs the function of mandatory verification of the signature of the downloaded code of the Mandated DAP application.In practice, the role of Controlling...

read more

The Standard of EMV Entry Point Specification

As noted earlier, EMVCo has taken over the rights to support and develop the EMV Contactless Communication Protocol Specification developed by MasterCard. The issue of creating a single contactless application EMV Contactless Application — an analog of the Common Payment Application for contact cards-is on the agenda of EMVCo. This issue is actively raised by major European banks. However, EMVCo is in no hurry to develop a standard for EMV Contactless Application. The reason given by EMVCo is the lack of experience in using contactless cards,...

read more

MasterCard PayPass and VISA Contactless Payment Specification

MasterCard PayPassAs noted above, contactless MasterCard PayPass cards can support the magnetic stripe mode (MasterCard PayPass MagStripe) and the chip card mode (MasterCard PayPass M/Chip).The magnetic stripe mode is implemented on contactless cards without a contact interface. The mod is described in The MasterCard PayPass MagStripe V. 3.2 specification. the main distinctive features of the MasterCard PayPass MagStripe mod are listed Below:the card stores track 2 magnetic stripe data, and in the case of a credit card, it can store Track 1...

read more

EMV Contactless Communication Protocol

Standards usedAll payment systems ‘ specifications for contactless cards are based on ISO/IEC 14443 “Identification Cards — Contactless integrated circuit(s) cards — Proximity cards”. The standard consists of four parts that appeared at different times between April 2000 and July 2001:Part 1. Physical Characteristics.Part 2. Radio Frequency Power and signal interface.Part 3. Initialization and anti-collision.Part 4. Transmission protocols.The first part of the standard (ISO 14443-Part 1. Physical characteristics) defines the physical...

read more

Biometric technologies of the emv standard

Biometric technologies are characterized by ease of use and accuracy of results. At the same time, they all use a common approach, according to which biometric identification/authentication of an object is performed in several stages:scanning an object in accordance with the biometric technology used and obtaining its image;retrieves the characteristic features of an object image that form the current object template;comparison of the current template with the verification template — a reference image of an object stored in the biometric...

read more