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HSM & Security
In the past, banking meant going to a branch. Today, most transactions run through channels such as the Internet Branch, ATM and Mobile Branch, so improving internet banking security and regularly informing customers about it is important.
Merchant & POS
3D Secure is short for Three Domain Secure (Issuer Domain, the Interoperability Domain and the Acquirer Domain), used to increase security in online transactions. Known to cardholders as 3D Secure, these systems are given unique names by payment schemes (MasterCard, Visa, etc.).
Payment Systems
In card payment transactions made via a physical POS device, entering the card's PIN keeps the transaction secure, while in virtual POS transactions, security is provided through the 3D Secure flow. Are 3D Secure payment methods standardized? There are 3 different 3D Secure models.
Laws & Regulations
This communiqué regulates the procedures and principles for the information systems used in running payment and securities settlement systems, from information security to business continuity.
Merchant & POS
GO Secure Payment is a system developed by BKM that verifies cardholders using a one-time password (OTP) during online purchases made with TROY cards, providing banks with a secure verification platform without needing to store card data.
Payment Systems
One of the most notable recent developments in card payments is that contactless limits are no longer fixed and can be managed dynamically per customer. Mastercard and Visa are taking different but complementary approaches, and ISO 8583 may need to evolve with them.
Security
A Qualified Security Assessor (QSA) is a person approved by the PCI Security Standards Council to audit merchants for compliance with the Payment Card Industry Data Security Standard.
Credit Card
It is a CVV2/CVC2 code that changes every few minutes instead of the static code printed on the back of a credit card, aimed at reducing fraud risk in CNP (Card Not Present) transactions.
Security
With Chip&Pin technology, card PINs and chip-based transactions became widespread. As online shopping grew, strengthening the security of these transactions became a necessity, and OTP began providing that transaction security.
Laws & Regulations
The purpose of this regulation is to set the procedures and principles for overseeing payment and securities settlement systems, including information requests, information systems, self-assessment and independent audits.
Security
The Visa PIN Security Program Guide describes the security and procedural requirements for acquirers and their agents that process PIN data or manage keys for PINs associated with Visa transactions.
Merchant & POS
Magnetic Secure Transmission (MST) is a mobile payment technology in which devices such as smartphones emit a signal that mimics the magnetic stripe on a traditional payment card, letting a physical card's POS use be imitated without upgrading terminal software or hardware.