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PIN Pad
A PIN pad or PIN entry device is an electronic device used in a debit, credit or smart card-based transaction to accept and encrypt the cardholder's personal identification number (PIN). PIN pads are normally used with payment terminals, automated teller machines or integrated point of sale devices in which an electronic cash register is responsible for taking the sale amount and initiating/handling the transaction. The PIN pad is required to read the card and allow the PIN to be securely entered and encrypted before it is sent to the bank. In some cases, with chip cards, the PIN is only transferred from the PIN pad to card and it is verified by the chip card. In this case the PIN does not need to be sent to the bank or card scheme for verification. (This is known as "offline PIN verification".) Like some stand-alone point of sale devices, PIN pads are equipped with hardware and software security features to ensure that the encryption keys and the PIN are erased if someone tr ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Um Dos PinPADs Mais Utilizados
Um or UM may refer to: Businesses and organisations * Air Zimbabwe (IATA:UM) * Union for the Mediterranean, an intergovernmental body * United Methodist Church * United Motors Company, an American automotive parts supplier * Universal McCann, a global advertising and media agency * Universal Medicine, an Australian cult Language * "Um", a filler in spoken English and some other languages * Um (cuneiform), a prehistoric alphabetic sign Science and technology * Micrometre (μm), sometimes written as "um" in limited character sets * Ultrarapid metabolizer, a term used in pharmacogenomics to refer to individuals with substantially increased metabolic activity * .um, the Internet domain for the US Minor Outlying Islands * Um interface, the air interface for the GSM mobile telephone standard * Unified Model, a global numerical weather prediction model * User manual, a document or manual intended to give assistance to people using a particular system * Utilization management, the ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Triple DES
In cryptography, Triple DES (3DES or TDES), officially the Triple Data Encryption Algorithm (TDEA or Triple DEA), is a symmetric-key block cipher, which applies the DES cipher algorithm three times to each data block. The 56-bit key of the Data Encryption Standard (DES) is no longer considered adequate in the face of modern cryptanalytic techniques and supercomputing power; Triple DES increases the effective security to 112 bits. A CVE released in 2016, CVE-2016-2183', disclosed a major security vulnerability in the DES and 3DES encryption algorithms. This CVE, combined with the inadequate key size of 3DES, led to NIST deprecating 3DES in 2019 and disallowing all uses (except processing already encrypted data) by the end of 2023. It has been replaced with the more secure, more robust AES. While US government and industry standards abbreviate the algorithm's name as TDES (Triple DES) and TDEA (Triple Data Encryption Algorithm), RFC 1851 referred to it as 3DES from the tim ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Payment Terminal
A payment terminal, also known as a point of sale (POS) terminal, credit card machine, card reader, PIN pad, EFTPOS terminal (or by the older term as PDQ terminal which stands for "Process Data Quickly"), is a device which interfaces with payment cards to make electronic funds transfers. The terminal typically consists of a secure keypad (called a PINpad) for entering PIN, a screen, a means of capturing information from payments cards and a network connection to access the payment network for authorization. A payment terminal allows a merchant to capture required credit and debit card information and to transmit this data to the merchant services provider or bank for authorization and finally, to transfer funds to the merchant. The terminal allows the merchant or their client to swipe, insert or hold a card near the device to capture the information. They are often connected to point of sale systems so that payment amounts and confirmation of payment can be transferred aut ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
ExpressPay
American Express Company or Amex is an American bank holding company and multinational financial services corporation that specializes in payment cards. It is headquartered at 200 Vesey Street, also known as American Express Tower, in the Battery Park City neighborhood of Lower Manhattan. Amex is the fourth-largest card network globally based on purchase volume, behind China UnionPay, Visa, and Mastercard. 141.2 million Amex cards were in force worldwide as of December 31, 2023, with an average annual spend per card member of US$24,059. That year, Amex handled over $1.7 trillion in purchase volume on its network. Amex is the 16th largest US bank, with a total of US$270 billion in assets or 1.1% of all assets insured by the FDIC. It is ranked 77th on the ''Fortune'' 500 and 28th on the list of the most valuable brands by ''Forbes''. In 2023, it was ranked 63rd in the ''Forbes'' Global 2000. American Express National Bank is a direct bank owned by Amex. Founded in 1850 as ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
PayWave
Visa Inc. () is an American multinational payment card services corporation headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa does not issue cards, extend credit, or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa's global network (known as VisaNet) processed 100 billion transactions during 2014 with a total volume of US$6.8 trillion. This article is authored by a ''Forbes'' staff member. Visa was founded in 1958 by Bank of America (BofA) as the BankAmericard credit card program. Available through SpringerLink. In response to competitor Master Charge (now Mastercard ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Payment Card Industry
The payment card industry (PCI) denotes the debit, credit, prepaid, e-purse, ATM, and POS cards and associated businesses. Overview The payment card industry consists of all the organizations which store, process and transmit cardholder data, most notably for debit cards and credit cards. The security standards are developed by the Payment Card Industry Security Standards Council which develops the Payment Card Industry Data Security Standards used throughout the industry. Individual card brands establish compliance requirements that are used by service providers and have their own compliance programs. Major card brands include American Express, Discover Card, JCB, Mastercard, Mir, RuPay, UnionPay and Visa. Most companies use member banks that connect and accept transactions from the card brands. Not all card brands use member banks, like American Express, these instead act as their own bank. , the United States uses a magnetic stripe on a card to process transactio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mnemonic
A mnemonic device ( ), memory trick or memory device is any learning technique that aids information retention or retrieval in the human memory, often by associating the information with something that is easier to remember. It makes use of elaborative encoding, retrieval cues and imagery as specific tools to encode information in a way that allows for efficient storage and retrieval. It aids original information in becoming associated with something more accessible or meaningful—which in turn provides better retention of the information. Commonly encountered mnemonics are often used for lists and in auditory system, auditory form such as Acrostic, short poems, acronyms, initialisms or memorable phrases. They can also be used for other types of information and in visual or kinesthetic forms. Their use is based on the observation that the human mind more easily remembers spatial, personal, surprising, physical, sexual, humorous and otherwise "relatable" information rather tha ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
International Standard
An international standard is a technical standard developed by one or more international standards organizations. International standards are available for consideration and use worldwide. The most prominent such organization is the International Organization for Standardization (ISO). Other prominent international standards organizations including the International Telecommunication Union (ITU) and the International Electrotechnical Commission (IEC). Together, these three organizations have formed the World Standards Cooperation alliance. Purpose International standards can be applied directly or adapted to meet local conditions. When adopted, they lead to the creation of national standards that are either equivalent to or largely align with the international standards in technical content, though they may have: (i) editorial variations, such as differences in appearance, the use of symbols, measurement units, or the choice of a point over a comma as the decimal marker, and (ii) va ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
ISO 9564
ISO 9564 is an international standard for personal identification number (PIN) management and security in financial services. The PIN is used to verify the identity of a customer (the user of a bank card) within an electronic funds transfer system, and (typically) to authorize the transfer or withdrawal of funds. Therefore, it is important to protect PINs against unauthorized disclosure or misuse. Modern banking systems require interoperability between a variety of PIN entry devices, smart cards, card readers, card issuers, acquiring banks and retailers – including transmission of PINs between those entities – so a common set of rules for handling and securing PINs is required, to ensure both technical compatibility and a mutually agreed level of security. ISO 9564 provides principles and techniques to meet these requirements. ISO 9564 comprises three parts,Parts 1, 2 and 4. Part 3 was withdrawn in 2011. under the general title of ''Financial services — Per ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Payment Card Industry
The payment card industry (PCI) denotes the debit, credit, prepaid, e-purse, ATM, and POS cards and associated businesses. Overview The payment card industry consists of all the organizations which store, process and transmit cardholder data, most notably for debit cards and credit cards. The security standards are developed by the Payment Card Industry Security Standards Council which develops the Payment Card Industry Data Security Standards used throughout the industry. Individual card brands establish compliance requirements that are used by service providers and have their own compliance programs. Major card brands include American Express, Discover Card, JCB, Mastercard, Mir, RuPay, UnionPay and Visa. Most companies use member banks that connect and accept transactions from the card brands. Not all card brands use member banks, like American Express, these instead act as their own bank. , the United States uses a magnetic stripe on a card to process transactio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Key (cryptography)
A key in cryptography is a piece of information, usually a string of numbers or letters that are stored in a file, which, when processed through a cryptographic algorithm, can encode or decode cryptographic data. Based on the used method, the key can be different sizes and varieties, but in all cases, the strength of the encryption relies on the security of the key being maintained. A key's security strength is dependent on its algorithm, the size of the key, the generation of the key, and the process of key exchange. Scope The key is what is used to encrypt data from plaintext to ciphertext. There are different methods for utilizing keys and encryption. Symmetric cryptography Symmetric cryptography refers to the practice of the same key being used for both encryption and decryption. Asymmetric cryptography Asymmetric cryptography has separate keys for encrypting and decrypting. These keys are known as the public and private keys, respectively. Purpose Since the key ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
