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EMV
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.
HSM & Security
In the world of payment systems, keys and their uses are important for transferring information from one place to another, storing information, and securing authorization and scripting steps. Key types are divided into six categories based on their purpose.
Credit Card
CVK (Card Verification Key) is the key information used to generate and verify CVV/CVC values, confirming their validity. It is kept as a pair of keys, CVK A and CVK B, encrypted under TMK, ZMK or LMK.
ISO 8583
F64 — Message Authentication Code (MAC): verifies the origin and text of the message between the sender and the receiver.
HCE
The HCE cloud-based security infrastructure consists of four main pillars: Tokenization, Risk Management, Session Keys, and User/Device Authentication. Tokenization indicates the type of token generation, and there are three different tokenization methods.
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.
HSM & Security
HSM, short for Hardware Security Module, is specialized security hardware built to store sensitive cryptographic keys in a physical environment and to perform cryptographic operations in the most secure way.
HSM & Security
TMK stands for Terminal Master Key, a key-encrypting key distributed manually or automatically under a previously established TMK. It is used to distribute data encryption keys to an ATM or POS terminal within a local network.
ATM
At ATMs, transaction selection and processing are carried out using the buttons on the right and left of the ATM screen. These buttons are called FDK (Function Display Key) buttons. Does every ATM have FDK?
HSM & Security
KEK (Key Encryption Key) is an encryption key used to encrypt the DEK (Data Encryption Key) and decrypt the encrypted DEK. The relationship between KEK and DEK: in encryption systems, keys are managed in a layered structure.
ISO 8583
F41 - CARD ACCEPTOR TERMINAL IDENTIFICATION: the terminal where a transaction took place. An 8-character alphanumeric value generated by the acquirer bank and assigned to the POS, managed as a unique terminal number at the acquirer.
ISO 8583
F124 (Private Additional Data) contains additional information specific to the transaction, such as Card Update Failure Code and Status, cardholder name in money transfers, and keys in network management messages.