Martin Rupp (guest)

Cardholder, Merchant, Issuer & Acquirer - The Four Corners Model for Payment Security and Key Management

4 min read

The Four Corners Model for Card Payment Security and Key Management

The “Four Corners” model, also called the “Four Party Scheme”, is utilized in almost all standard card payment systems across the globe. Here, we...

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EMV Personalization cryptographic requirements 

3 min read

EMV Personalization cryptographic requirements 

EMV Personalization is a process used to get card data into cards, mobile phones, and wearables. The process includes a variety of complicated...

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Protecting-banking-apps-against-malware-cryptomatic

5 min read

Protecting Banking Apps Against Malware Threats

Here we explain why additional security mechanisms, beyond the mobile OS security features, are needed to protect mobile banking applications from...

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overview-technologies-protect-banking-cryptomathic

3 min read

Overview of Defense Mechanisms for Mobile Banking Apps

As the use of mobile phones for mobile banking and payment applications increases, corresponding security threats are increasing as well. The...

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TR-34 Key Blocks for the TR-34 Exchange Protocol: Basic Principles

4 min read

TR-34 Key Blocks for the TR-34 Exchange Protocol: Basic Principles

Among all the various key block formats, the TR-34 format is undoubtedly one of the most sophisticated. The TR-34 norm is an implementation of the...

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PCI PIN Requirements for Key Blocks in the Payment Card Industry - FAQs

3 min read

Key blocks and PCI PIN requirements: FAQs

This article proposes a few answers to a series of frequently asked questions (FAQs) about key blocks and their use with PCI.

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EMV Payment Security - Acquirers

4 min read

EMV Payment Security - Acquirers

In the “four corner model”, acquirers are apparently the less active party as their role seems ‘only’ to forward the transaction flow originating...

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EMV Payment Security - Merchants

3 min read

EMV Payment Security - Merchants

Merchants are one of the corners of the ‘four corner’ model in the payment world. In what follows, we will explain some of the security mechanisms...

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EMV Payment Security - Issuers

3 min read

EMV Payment Security - Issuers

An issuer is one of the corners in the ‘four corner’ model. An issuer is a financial organization (e.g. a bank) that produces payment cards and...

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