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SCRW smart card reader/writer device

Security

What is SCRW (Smart Card Reader Writer)?

SCRW (Smart Card Reader Writer) can be translated as Smart Card Reader/Writer. Smart chip card readers are sophisticated devices with built-in intelligence, usable in PCs, laptops, servers, smartphones, and set-top boxes.

Mifare contactless smart card

Debit Card

What is a Mifare Card?

A type of smart card containing a microchip and simple software, which performs contactless reading when brought close to a smart card reader. It isn't linked to a bank account and has no credit limit like credit cards. You can spend up to the amount loaded onto the card...

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.

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.

Smart Payment Association (SPA) logo

Payment Systems

What is SPA (Smart Payment Association)?

The Smart Payment Association (SPA) is the trade association of the smart payments industry. It provides leadership and expert guidance to help members and customers realize smart, secure and personalized payment systems and services, now and in the future.

Illustration of a contactless payment card being tapped on a POS terminal

Contactless

What is Magnetic Stripe Data (MSD)?

As end users, we have come to love contactless payments, which are becoming a bigger part of daily life. So what features let contactless cards make payments without touching the POS terminal? There are two classes: MSD cards and Contactless EMV cards.

NFC near field communication ISO/IEC 18092 illustration

Payment Systems

What Is ISO/IEC 18092/ECMA-340?

NFC is a data transfer technology developed by Sony and Philips in late 2002 and adopted as an ISO/IEC standard in 2003. ISO/IEC 18092/ECMA-340 (NFCIP-1) is one of the two globally accepted NFC standards.

Diagram illustrating SDA, DDA, and CDA offline data authentication methods

Credit Card

What are SDA, DDA, and CDA?

SDA (Static Data Authentication), DDA (Dynamic Data Authentication), and CDA (Combined Dynamic Data Authentication) are offline data authentication methods used in chip cards. Learn how each one validates the card and the transaction.

Illustration of a smart card chip related to the ISO/IEC 7816 standard

Credit Card

What is ISO/IEC 7816?

ISO/IEC 7816 is an international standard jointly maintained by ISO and IEC, covering contact-based electronic identification cards, especially smart cards. It consists of 15 different parts, each covering a different aspect of smart card technology.

Illustration of a new-generation smart cash register combining a fiscal device and a POS terminal

Merchant & POS

What You Need to Know About Smart Cash Registers (OKC)

A smart cash register is a new-generation, IP-based payment recording device that integrates a cash register with a POS terminal. It combines fiscal devices and POS devices in a single unit and transmits data to the Ministry of Finance in real time.

Illustration of EMV chip card technology used in VSDC and M/Chip-Lite applications

Credit Card

What is VSDC (Visa Smart Debit Credit) and M/Chip-Lite?

EMV chip cards contain a small, powerful microprocessor that provides enhanced security, faster transactions, and support for loyalty programs. VSDC is Visa's chip-based solution; M/Chip-Lite is Mastercard's low-cost equivalent for banks starting their chip migration.