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Diagram showing the structure of an EMV AID value split into RID and PIX sections

EMV

What is the Registered Application Provider Identifier (RID)?

RID is part of the AID value, which is structured according to ISO/IEC 7816-5 and consists of two sections: a value specific to the application provider, and an optional field used to identify different providers or products.

Table listing the EMV chip specifications used by Visa, Mastercard, American Express, JCB, Discover, and UnionPay

EMV

What are EMV Schemes?

EMV standards form the foundation for chip cards to work on terminals worldwide, but each scheme - VSDC (Visa), M/Chip (Mastercard), AEIPS (Amex), J Smart (JCB), D-PAS (Discover), and UICS (UnionPay) - defines its own keys, rules, and card profiles.

Payment terminal screen displaying the Application Label of a card

Credit Card

What Is Application Label?

A mandatory alphanumeric field, 1-16 characters, sent in tag 50 of EMV transactions, representing a name related to the card application's AID in the ADF.

Diagram illustrating BKM TechPOS shared POS infrastructure

Merchant & POS

What is BKM TechPOS?

BKM TechPOS is an infrastructure through which card acquirers and POS/cash register manufacturers can interoperate via BKM, letting all participating banks provide card acceptance services on a single device.

HCE mobile payment PIN strategies

HCE

What Are the PIN Strategies in HCE?

There are three types of PIN strategy in HCE (Host Card Emulation): No PIN, Card PIN and Wallet PIN or customer biometric data. Each balances user experience and security differently.

BKM Express mobile payment application illustration

Credit Card

What is BKM Express?

What is BKM Express? BKM Express is a technical infrastructure solution developed by BKM that lets you pay securely for online purchases without sharing your card's full details. What are the advantages of BKM Express? To register your card you don't need to enter all…

ATM management and monitoring software

ATM

What Are ATM Management Support Software Tools?

ATMs hold significant amounts of cash, are among banks' most important customer service points and are prone to faults, so they must be monitored from installation onward and acted on quickly.

Example of a TR Karekod QR code used for payment

Contactless

What is a TR Karekod Transaction?

A TR Karekod transaction is a payment carried out using a QR code generated according to the procedures and principles in the regulation on the generation and use of the TR Karekod in payment services.

Physical credit card compared with a virtual card on a mobile phone

Credit Card

Physical or Virtual Credit Card: Which Do You Prefer?

Digitalization is reshaping payment systems. Credit cards are moving from physical plastic to virtual cards, e-wallets and mobile payments. Will physical card use disappear completely? Here is a look at the trends, Generation Z and the remaining gaps.

Illustration of consumer-to-consumer (C2C) online marketplace commerce

E-commerce

What Is C2C (Consumer-to-Consumer)?

Consumer-to-Consumer (C2C) is a business model in which consumers trade with each other, usually online. This post explains how C2C works, gives examples from Turkiye, and describes the types of C2C businesses.

Illustration showing how an Application Identifier (AID) is used in a chip card transaction

EMV

What is an Application Identifier (AID)?

The AID tells the terminal which applications are present on a chip during a POS or ATM transaction. What does the AID do? It lets the terminal determine whether it supports an application on the chip. In Tag 9F06, it is 5-16 digits long.

Amazon Web Services cloud computing illustration

Security

Why Is AWS (Amazon Web Services) Preferred?

The number of companies offering cloud computing and storage has grown sharply in recent years. AWS, founded in 2006, is the world's largest cloud computing and storage provider, ahead of Google Cloud, Microsoft Azure and IBM.