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7
votes
4answers
10k views

Why EMV cards cannot be cloned?

It's frequently stated that EMV cards cannot be cloned. I'd like to know, specially with commodity smart card readers/ writers, why is this true? What specific data cannot be read using commodity ...
6
votes
3answers
709 views

Are RFID shielding sleeves/wallets necessary for payment cards?

I have seen advertised several times now products that claim to "protect" contactless payment cards (e.g. special sleeves, wallets). What exactly do these products protect against? Is it just ...
5
votes
3answers
268 views

Reading magnetic stripe on a credit/debit card with an EMV chip

Is there any way of knowing is a credit/debit card has an EMV Chip, by reading the magnetic stripe. This way I could deny the payment via magnetic stripe and ask to the customer to insert the card via ...
4
votes
2answers
58 views

Does EMV protect against sniffing PAN data from untrusted network?

I have received conflicting information in regards to the security of PAN data on the wire. Can this be sniffed with properly configured EMV at an atm? To quote from the link below: ...
3
votes
1answer
355 views

EMV(Chip) Cards - What's the point of having the chip card communicating directly to the authorising server? & Clarification of CDA in EMV

Ok I understand from my research that the Chip Card creates an AC Key(MasterKey+AccNumber) to communicate with the authorizing server securely (3DES key to have encrypted communication) but I don't ...
2
votes
2answers
448 views

Would chip-and-PIN have prevented the Target breach?

Would chip-and-PIN have prevented the Target breach? As we all know, Target was breached and the hackers stole lots of credit card numbers. Target is now advocating for chip-and-PIN, as a way to ...
2
votes
1answer
687 views

Advantages of using a Digital Signature Scheme (DSS) with Appendix instead of DSS giving Message Recovery

I've been looking at the EMV draft specification (pdf) for using Eliptic Curve Cryptography in payment cards instead of the currently used RSA. One thing I've noticed is that they've moved from using ...
2
votes
2answers
105 views

EMV as authentication technology and not a data security technology

I'm trying to wrap my head around what I view as EMV chip card security loopholes. Here's what I'm told about EMV. If a transaction is being recorded maliciously by a third party, they will get your ...
2
votes
1answer
216 views

Using chip and pin credit card for authentication?

I'd like to use a chip and pin credit card for authentication, that is to register a card into a system and then use it to log in (for demo/entertainment purposes only so bulletproof security isn't ...
2
votes
2answers
189 views

What's the point of EMV when only the card is needed to shop online? [duplicate]

In many countries, EMV is used to prevent credit and debit cards being cloned. But given that it's possible to perform online transactions using the details printed on the card, how does it add ...
2
votes
0answers
209 views

Which keys does a bank typically exchange with a card scheme?

I'm trying to understand the different EMV-related keys that are shared between a bank who issues EMV cards and a card scheme, such as Visa or MasterCard. I understand the bank would typically ...
1
vote
3answers
629 views

What are the problems that Chip card technology solve? and what are the problems EMV solve? Are the separate things?

What are the problems that Chip card technology solve? and what are the problems EMV solve? I understand that EMV is a standard where as chip card is a technology, It's pretty hard to tell them ...
1
vote
3answers
1k views

EMV credit card cloning: PIN code known by a malicious person

Could a credit card cloned (chip or magnetic band) if someone has it for a few seconds and knows the PIN code? If the PIN code is changed, can the cloned card still be used?
0
votes
3answers
139 views

Why is using the chip in chip-cards required at manned points of sale?

Chip cards are more secure because they prevent cloning. Chip cards also have the magstripe for backward compatibility. In my recent experience at supermarkets in California, using the chip takes a ...
0
votes
2answers
57 views

Comprimising or affecting card readers, billing systems, or POS terminals using a malicious card

Our company got a new card printer for employee IDs. It was a bit expensive and we had to undergo a background as it allowed us to print both mag strips and EMV chips. I don't understand enough about ...
0
votes
1answer
94 views

Momentarily unencrypted Payment cards

Momentarily unencrypted Payment cards I read about the cyber-attacks related to the momentarily unencrypted payment processing data at the point of sales devices. Technically, how is it possible? ...
0
votes
0answers
17 views

EMV key management

For EMV transactions, I was trying to understand the keys required and its related management. Based on my limited understanding I was able to understand the ecosystem entities that exist i.e. ...
0
votes
0answers
74 views

If EMV can't be copied/cloned, how will companies like plastc do it? [duplicate]

It is widely spread that EMV chips can't be copied or cloned onto another card like the information on a magnet strip. How will companies like plastc (a rewritable card) do it? Any Ideas?