Implementing Electronic Card Payment Systems (Artech House Computer Security Series)
O
Off-line card authentication, 368
Off-line clearing, 42-43
off-line transaction, 45
on-line transaction, 43
Off-line data authentication, 160-74
DDA, 165-74
performance of, 161-62
SDA, 162-65
selection, 160-62
types of, 160
See also EMV ¢ debit/credit
Off-line DDA, 148
authenticity verification, 168-70
conditions for performing, 161
defined, 165
illustrated , 167
overview, 166-68
personalization stage, 166
signature generation, 170-72
signed dynamic authentication data verification, 173-74
utilization stage, 167-68
See also Dynamic data authentication (DDA); Off-line data authentication
Off-line dynamic CAM, 262-63
as appropriate security level, 266
defined, 259
ICC resource requirement and, 262
off-line static CAM vs., 266-67
See also Card authentication method (CAM)
Off-line PIN processing, 186-91
support, 186-87
terminal not supporting, 187
See also Cardholder verification
Off-line PIN verification, 227
Off-line SDA, 162-65
conditions for performing, 162
overview illustration, 163
personalization stage, 162
stage 1, 163-64
stage 2, 164
stage 3, 164
stage 4, 165
utilization stage, 162
See also Off-line data authentication
Off-line static CAM, 261-62
defined, 259
EMV ¢ platforms supporting, 262
mandatory implementation, 264
off-line dynamic CAM vs., 266-67
with SDA mechanism, 264
See also Card authentication method (CAM)
One-time passwords, 396-97
On-line authorization, 45-47
biased selection function, 198
defined, 45
message verification, 46
risk control, 45
transaction types, 46
On-line card authentication, 368
On-line clearing, 42
defined, 42
off-line transaction, 44
on-line transaction, 42
On-line dynamic CAM, 260-61
for ATM services, 261
defined, 259-60
for EMV ¢ debit/credit application, 263
implementation, 260
necessary condition for, 261
See also Card authentication method (CAM)
On-line PIN processing, 194-95
PIN pad malfunctioning, 194
terminal, 194-95
See also Cardholder verification
Operational costs, reduced, 255
Organization, this book, 3-6
Output feedback chaining mode (OFB), 401