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SMARTPAY-EMV-M/PAD terminals

Based on the Scantech-Kernel-EMVApp Versionl application.O (EMVCo Terminal Level 2 certificate N 21645 0703 400 20 DEL) developed software for NURIT POS terminals that provides simultaneous reception of SmartPay cards, international magnetic stripe cards and EMV cards. The software has been certified to work with Way4 (OpenWay)systemsTranzWare (Compass Plus). MasterCard M/PAD specifications are implemented on NURIT POS terminals. Personalization of MPCOS-EMV R5 cards with SMARTPAY and M/CHIP 2.1 apps A personalization system has been...

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Security of processing centers of EMV transactions

One of the most important practical aspects of the functioning of the Bank’s processing center is to ensure its security. Unlike conventional information systems, the Bank’s processing center contains information about the details that allow access to customers ‘ money, and compromising this data can lead to significant financial losses. This is why a significant portion of the cost of creating and operating a processing is associated with security costs. Let’s look at some aspects of processing center security....

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EMV certification levels

Protection at the software level involves the use of a whole range of mechanisms – the terminal device password, the terminal device operator password, and so on. If the terminal is multi-functional, i.e. it serves several applications, their safe operation and storage in the terminal memory can also be organized at different levels. In principle, this task is often solved at the software level: applications are located in memory in such a way that the encryption keys used by one application are not available from other applications...

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The provisioning server chips

The chip initialization server manages software modules that implement various chip initialization applications for various types of cards, and also provides interaction between these modules and software modules running in the card personalization device.The server provides management of an arbitrary number of personalized devices with an arbitrary number of chip initialization stations in each device. The server supports establishing a connection with the library of the chip initialization application, and receives the ID of the type of...

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Personalization of EMV specification microprocessor cards

General approach and industrial solution this section deals with the issues of personalization primarily of microprocessor Bank cards of international payment systems, although the described approaches and software solutions can easily be extended (which we have already done in a number of cases) not only to cards of various local payment systems, but also to identification cards with a chip (for example, driver’s licenses, party tickets, insurance policies), SIM cards for mobile phones, transport and petrol cards, etc. Background...

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Stages of development of the EMV standard

New technologies and standards New technologies significantly change the construction of the banking and payment system. One of the most significant achievements was a card with a built-in microprocessor-a smart card (or chip card). Microprocessor technology allows you to provide a reliable mechanism for paying for goods and services through various information communication channels in a virtual environment. The smart card can also be used as a unified identification tool for accessing the account through a virtual environment for performing...

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Payment system structure

For operational and efficient management, Visa is divided into 6 regional divisions: Asia Pacific, Canada, Central and Eastern Europe, middle East and Africa (CEMEA), Europe (Visa Europe), Latin America and the Caribbean (Latin America and Caribbean), and the United States of America. Visa CEMEA is one of the most dynamically developing regions of Visa, which includes 84 countries of the world. The headquarters are located in London, and territorial offices are located in Russia, Ukraine, the Republic of South Africa and the United Arab...

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Background of the EMV card standard

Electronic cash Chip cards that implement the concept of electronic cash also store the amount on the card, when writing to the card, an equal amount is debited from the account, just as it happens when issuing cash. The amount is considered to have been issued to the cardholder. The cardholder can perform payment operations at the same time, as in the case of other cards with a stored amount: the sufficiency of the amount on the card is checked, after which (if the verification result is positive) the amount on the card is reduced by the...

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A subset of EMV specifications

In General, the specifications are aimed at ensuring compatibility – the most important for the practice of payment systems properties of cards correctly served at different terminals and properties of terminals correctly serve different cards. EMV specifications define a certain base on which each payment Association defines its chip products. The payment system specifications describe the basic rules for working with a product called a debit/credit chip card. This product is in the financial sense an ordinary Bank product-a card, in...

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Classification of chip cards, description of the principles and technology of operation

Chip cards (or, as they are also called, cards with a chip) turned out to be more attractive for implementing offline authorization ideas. A chip card contains a chip whose properties determine the functionality of the card as a technological product (the functionality of the card as a product, for example, a Bank card, determines the corresponding rules). Chip cards are classified according to the following criteria:chip type;method of reading information;conformity to standards;application.depending on the built-in chip, chip cards are...

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