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Credit card with a built-in fingerprint sensor for biometric cardholder verification

Credit Card

Who Wouldn't Want a Credit Card with a Biometric Reader?

Card security is critical in card payment systems. Chip&Pin curbed much fraud, but gaps remain. Cornercard, Gemalto and Visa launched Switzerland's first credit card with a built-in fingerprint reader. Here is how it works.

POS terminal used for processing card payments at a merchant

Merchant & POS

How Does a POS Device Communicate with the POS Bank?

A POS is a functional device with its own dedicated software, customized to the authorization system of the bank it is connected to, that accepts credit or debit cards. The POS and the authorization system communicate using the ISO 8583 standard.

Diagram illustrating the ISO 8583 field 32 structure

ISO 8583

ISO 8583 Field Descriptions (F32)

F32 - ACQUIRING INSTITUTION IDENTIFICATION CODE: the 11-digit acquirer bank ID. The values it can take for domestic transactions and by card brand include Visa, MasterCard, UnionPay, Discover and JCB formats.

Credit card and smartphone illustrating online card payments without physically presenting the card

Credit Card

Do I have to use my physical card when shopping?

In the early years of credit cards, using the card physically was mandatory. With the internet and new technologies, we can now pay with only the card details, 3D Secure and contactless NFC payments, even without the card in hand.

EMV chip card illustration

Online & Authorization

What is EMV?

EMV stands for Europay, Mastercard and Visa. In 1994 these companies formed a working group to set chip-card standards, leading to the EMV standards used worldwide today.