Features

Comprehensive Application Support

PIN processing
Transaction authentication
Message integrity
Data confidentiality
Card authentication
Key management
Terminal and interchange key management
Internet payment authentication
Secure PIN and key mailing

Payment Systems

Incorporates cryptographic processing and key management that meets American Express, JCB, MasterCard and Visa security requirements.

Key Management

Host-stored and HSM-stored keys
Dual-custody, split-knowledge (clear & encrypted key components)
Smart card-based key backup and transfer

ATM Key Management (Remote ATM Initialization)

Mark II supports initialization of the ATM master key (DES or 3DES) using manual or remote techniques. For ATMs that require manual key loading, the HSM provides key mailer functionality that performs key generation and printing of key components / parts. The HSM also incorporates comprehensive functionality in support of remote initialization of the ATM master key using public key cryptography (RSA).

User Interface

Intuitive, menu-based user operations, providing administration and key management facilities. For more specific user interface, please see the management features/benefits of the HSM of interest.

Regional and Country Specific Support

Germany: Support for ZKA requirements
Korea: Support for SEED algorithm
Others on request

Performance

Available in different performance levels (PL) of function calls per second for typical 3DES processes

Note: The HSMs in-field performance upgrade capability allows for the expansion of processing speed at any time in line with a customer’s transaction throughput needs.

Optional Host-Side API

Optional access through host API can be delivered using ProtectToolkit EFT providing transparent communications and load sharing.

Standards Compliance

ISO: 9564, 11568, 13491, 16609
ANSI: X9.8, X9.19, X9.24
SA: AS2805 Parts 3, 4, 6
American Express, JCB, MasterCard, Visa

EMV Standards Compliance

EMV ’96 & 2000 Integrated Circuit Card Application Specification for Payment Systems
EMV Integrated Circuit Card Specifications for Payment Systems, May 2004
MasterCard Chip – Recommended Specifications for Debit and Credit, 1999, 2001
M/Chip 4 Security & Key Management, 2002
Visa Integrated Circuit Card (ICC) Specification, 2001
American Express AEIPS Chip Card Specification (AEIPS 4.0), 2003
JCB IC Card Specification, April 2002

Electronic Commerce

Verified by Visa (3-D Secure)
MasterCard SecureCode (SPA/UCAF)
JCB J/Secure

Remote Authentication

MasterCard SecureCode CAP
Online Banking Module (Web PIN/password end-to-end encryption)