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One-Time Code Cardholder Verification Method in Electronic Funds Transfer Transactions

Sitek A.

Annales Universitatis Mariae Curie-Skłodowska. Sectio AI, Informatica

2014

Vol. 14, no. 2

46--59

Card payments are getting more and more popular across the world. The dominant standard used for Electronic Funds Transfer transaction is EMV. It is widely used across Europeand Canada, and currently it is being introduced in the USA. The most frequently used Cardholder Verification Method in EMV transaction is PIN, which requires from the payment terminal to be equipped with pinpad - which increases the cost of the whole payment device. In this article I presentan alternative Cardholder Verification Method (CVM) that can be used instead of traditional PIN.The key advantage of the presented mechanism is that it can be easily implemented in currently utilized authorization protocols, it does not affect rules of EMV specification and may decrease time of transaction processing.