thumb|alt=An EMV credit card|right|220x220px|An EMV credit card
Article
49 sectionsContents
- History
- Differences and benefits
- Chip and PIN versus chip and signature
- Online, phone, and mail order transactions
- Commands
- Transaction flow
- Application selection
- Initiate application processing
- Read application data
- Processing restrictions
- Offline data authentication (ODA)
- EMV certificates
- Cardholder verification
- Terminal risk management
- Terminal action analysis
- First card action analysis
- Online transaction authorization
- Second card action analysis
- Issuer script processing
- EMV chip specification standards
- Vulnerabilities
- Opportunities to harvest PINs and clone magnetic stripes
- Successful attacks
- PIN harvesting and stripe cloning
- 2010: Hidden hardware disables PIN checking on stolen card
- 2011: CVM downgrade allows arbitrary PIN harvest
- PIN bypass
- Implementation
- Africa
- South Africa
- Asian and Pacific countries
- Australia
- Malaysia
- New Zealand
- Europe
- United Kingdom
- Latin America and the Caribbean
- Brazil
- Colombia
- Mexico
- Venezuela
- Middle East
- North America
- Canada
- United States
- Notes
- See also
- References
- External links
thumb|alt=An EMV credit card|right|220x220px|An EMV credit card
EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for "Europay, Mastercard, and Visa", the three companies that created the standard.