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Security
An external network scan run every 3 months by an Approved Scanning Vendor authorized by card schemes such as MasterCard and Visa, required for PCI DSS compliance. It checks whether merchant systems are protected against external threats.
Fraud
A man-in-the-middle attack is a method in which an attacker inserts themselves between the server and client to intercept users' information, steal passwords, and gain access to accounts on a local network. This fraud mostly occurs over public internet connections.
Credit Card
The Payment Card Industry Data Security Standard (PCI DSS) is a technical and operational standard created by the PCI Committee, formed by internationally recognized payment brands, to ensure data security in card payment systems.
EMV
The Visa EAS Server (Extended Access Service) is a server used in Visa’s authentication infrastructure. It was developed to run the cardholder authentication process securely between banks and the Visa network, particularly within Visa Secure (3-D Secure 2.x).
HSM & Security
ZPK, also known as the PIN Protection Key, is a data encryption key that is distributed automatically and used to encrypt PINs. It is also referred to as the 'Working Key'. This key allows PIN information to be carried securely across the network.
Laws & Regulations
This communiqué sets the procedures and principles for managing the information systems payment and electronic money institutions use in their activities, and for their audit by authorized independent audit firms.
HSM & Security
Secure Element Issuer is the stakeholder that provides, maintains, and updates the secure element in cases where mobile payment application and card data are stored in the secure element inside a mobile phone.
ATM
ATMs are among the channels banks use most to serve customers. Besides being one of the most important channels, because they physically dispense cash and give access to a customer's account, many fraud cases occur at ATMs.
Payment Systems
Takasbank (Istanbul Settlement and Custody Bank) exists to increase the competitiveness of Turkey's markets by providing clearing and custody services, financial services, and other economic activities under the relevant legislation.
ISO 8583
F64 — Message Authentication Code (MAC): verifies the origin and text of the message between the sender and the receiver.
E-commerce
In recent years, data exchange over wireless mobile devices has become much faster and more secure. In 2019, mobile devices were used in 54.5 percent of purchases made by e-commerce users. With the steady growth in mobile users, mobile commerce keeps gaining ground.
Credit Card
A prepaid card is a customized card, with or without a chip, not linked to a bank account and without a credit limit like credit cards, letting you spend only the amount loaded onto it.