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4 min read
Exploring The EMV Personalization Process
EMV Personalization of a payment card is the process of writing data to the card in order to make it ready for use. This includes loading the card...
EMV
4 min read
The Four Corners Model for Card Payment Security and Key Management
Martin Rupp (guest): 10. February 2023
The “Four Corners” model, also called the “Four Party Scheme”, is utilized in almost all standard card payment systems across the globe. Here, we...
3 min read
EMV Personalization cryptographic requirements
Martin Rupp (guest): 26. January 2023
EMV Personalization is a process used to get card data into cards, mobile phones, and wearables. The process includes a variety of complicated...
4 min read
EMV Payment Security - Acquirers
Martin Rupp (guest): 19. October 2022
In the “four corner model”, acquirers are apparently the less active party as their role seems ‘only’ to forward the transaction flow originating...
3 min read
EMV: The Fraud Bulldozer
These days everyone has a stake in Chip and PIN security - it can be the topic of the over-the-counter conversation as you pay, of the boardroom...
3 min read
EMV Payment Security - Merchants
Martin Rupp (guest): 25. September 2022
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...
3 min read
EMV Payment Security - Issuers
Martin Rupp (guest): 22. September 2022
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...
3 min read
Key Management Challenges for EMV Personalization
Martin Rupp (guest): 20. September 2022
The EMV personalization data processing in itself is not the topic of this article, we will instead focus on the cryptographic schemes involved in...
4 min read
EMV Payment Security - Cardholders
Martin Rupp (guest): 16. June 2022
Cardholders (or consumers) are one of the corners of the ‘four corner’ model in the payment card world. Here we take a brief look at the payment...