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A debit card, also known as a check card or bank card, is a payment card that can be used in place of cash to make purchases. The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either the front or the back. Many new cards now have a chip on them, which allows people to use their card by touch (contactless), or by inserting the card and keying in a PIN as with swiping the magnetic stripe. Debit cards are similar to a credit card, but the money for the purchase must be in the cardholder's bank account at the time of the purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase.
A smart card (SC), chip card, or integrated circuit card, is a card used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless, and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations.
A ticket machine, also known as a ticket vending machine (TVM), is a vending machine that produces paper or electronic tickets, or recharges a stored-value card or smart card or the user's mobile wallet, typically on a smartphone. For instance, ticket machines dispense train tickets at railway stations, transit tickets at metro stations and tram tickets at some tram stops and in some trams. Token machines may dispense the ticket in the form of a token which has the same function as a paper or electronic ticket. The typical transaction consists of a user using the display interface to select the type and quantity of tickets and then choosing a payment method of either cash, credit/debit card or smartcard. The ticket(s) are then printed on paper and dispensed to the user, or loaded onto the user's smartcard or smartphone.
Pirate decryption is the decryption, or decoding, of pay TV or pay radio signals without permission from the original broadcaster. The term "pirate" is used in the sense of copyright infringement. The MPAA and other groups which lobby in favour of intellectual property regulations have labelled such decryption as "signal theft" even though there is no direct tangible loss on the part of the original broadcaster, arguing that losing out on a potential chance to profit from a consumer's subscription fees counts as a loss of actual profit.
A one-time password (OTP), also known as a one-time PIN, one-time passcode, one-time authorization code (OTAC) or dynamic password, is a password that is valid for only one login session or transaction, on a computer system or other digital device. OTPs avoid several shortcomings that are associated with traditional (static) password-based authentication; a number of implementations also incorporate two-factor authentication by ensuring that the one-time password requires access to something a person has as well as something a person knows.
A security token is a peripheral device used to gain access to an electronically restricted resource. The token is used in addition to, or in place of, a password. Examples of security tokens include wireless key cards used to open locked doors, a banking token used as a digital authenticator for signing in to online banking, or signing transactions such as wire transfers.
The CharlieCard is a contactless smart card used for fare payment for transportation in the Boston area. It is the primary payment method for the Massachusetts Bay Transportation Authority (MBTA) and several regional public transport systems in the U.S. state of Massachusetts. It is used on the MBTA's subway and bus services, but is not currently accepted on the MBTA Commuter Rail and ferries.
A transaction authentication number (TAN) is used by some online banking services as a form of single use one-time passwords (OTPs) to authorize financial transactions. TANs are a second layer of security above and beyond the traditional single-password authentication.
A hardware security module (HSM) is a physical computing device that safeguards and manages secrets, performs encryption and decryption functions for digital signatures, strong authentication and other cryptographic functions. These modules traditionally come in the form of a plug-in card or an external device that attaches directly to a computer or network server. A hardware security module contains one or more secure cryptoprocessor chips.
Payment cards are part of a payment system issued by financial institutions, such as a bank, to a customer that enables its owner to access the funds in the customer's designated bank accounts, or through a credit account and make payments by electronic transfer with a payment terminal and access automated teller machines (ATMs). Such cards are known by a variety of names, including bank cards, ATM cards, client cards, key cards or cash cards.
Computer Consoles, Inc. or CCI was a telephony and computer company located in Rochester, New York, United States, which did business first as a private, and then ultimately a public company from 1968 to 1990. CCI provided worldwide telephone companies with directory assistance equipment and other systems to automate various operator and telephony services, and later sold a line of 68k-based Unix computers and the Power 6/32 Unix supermini.
A card reader is a data input device that reads data from a card-shaped storage medium and provides the data to a computer. Card readers can acquire data from a card via a number of methods, including: optical scanning of printed text or barcodes or holes on punched cards, electrical signals from connections made or interrupted by a card's punched holes or embedded circuitry, or electronic devices that can read plastic cards embedded with either a magnetic strip, computer chip, RFID chip, or another storage medium.
A contactless smart card is a contactless credential whose dimensions are credit card size. Its embedded integrated circuits can store data and communicate with a terminal via NFC. Commonplace uses include transit tickets, bank cards and passports.
Network for Electronic Transfers, colloquially known as NETS, is a Singaporean electronic payment service provider. Founded in 1986 by a consortium of local banks, it aims to establish the debit network and drive the adoption of electronic payments in Singapore. It is owned by DBS Bank, OCBC Bank and United Overseas Bank (UOB).
MULTOS is a multi-application smart card operating system, that enables a smart card to carry a variety of applications, from chip and pin application for payment to on-card biometric matching for secure ID and ePassport. MULTOS is an open standard whose development is overseen by the MULTOS Consortium – a body composed of companies which have an interest in the development of the OS and includes smart card and silicon manufacturers, payment card schemes, chip data preparation, card management and personalization system providers, and smart card solution providers. There are more than 30 companies involved in the consortium.
The Chip Authentication Program (CAP) is a MasterCard initiative and technical specification for using EMV banking smartcards for authenticating users and transactions in online and telephone banking. It was also adopted by Visa as Dynamic Passcode Authentication (DPA). The CAP specification defines a handheld device with a smartcard slot, a numeric keypad, and a display capable of displaying at least 12 characters. Banking customers who have been issued a CAP reader by their bank can insert their Chip and PIN (EMV) card into the CAP reader in order to participate in one of several supported authentication protocols. CAP is a form of two-factor authentication as both a smartcard and a valid PIN must be present for a transaction to succeed. Banks hope that the system will reduce the risk of unsuspecting customers entering their details into fraudulent websites after reading so-called phishing emails.
Credit card fraud is an inclusive term for fraud committed using a payment card, such as a credit card or debit card. The purpose may be to obtain goods or services or to make payment to another account, which is controlled by a criminal. The Payment Card Industry Data Security Standard is the data security standard created to help financial institutions process card payments securely and reduce card fraud.
The go card is an electronic smartcard ticketing system developed by Cubic Corporation, which is currently used on the Translink public transport network in South East Queensland, Australia. To use the go card, users hold the card less than 10 cm away from the reader to "touch on" before starting a journey, and must do the same to "touch off" the service at the end of the journey. The cost of each journey is deducted from the go card balance.
Multi-factor authentication is an electronic authentication method in which a user is granted access to a website or application only after successfully presenting two or more pieces of evidence to an authentication mechanism. MFA protects personal data—which may include personal identification or financial assets—from being accessed by an unauthorized third party that may have been able to discover, for example, a single password.
The TFI Leap Card is a contactless smart card for automated fare collection overseen by Transport for Ireland (TFI). It was introduced in the Greater Dublin area in 2011 for Luas, DART, Iarnród Éireann and Dublin Bus, but acceptance has significantly expanded, and it is now accepted in cities nationwide and on some longer distance commuter routes. Initially, Leap Cards offered only a pre-paid electronic wallet system for single-trip fares; since May 2014, it has also been possible to load it with weekly, monthly and annual subscriptions. In September 2017, there were over 2.5 million Leap Card users according to the National Transport Authority. The Leap Card is the result of many years' work by the Railway Procurement Agency and the National Transport Authority as part of the rollout of an integrated ticketing scheme for public transport in Dublin city. Fares are generally discounted compared to cash prices, and integrated ticketing is offered in the Dublin area via a flat fare system across all modes of transport. The minimum top-up for the card is currently €5, and it can be topped up via iPhone/Android App, at LUAS or DART ticketing machines, and in convenience stores offering Payzone services.
References
- ↑ "Smart card to open up computing". 2005-11-17. Retrieved 2022-05-30.
- 1 2 "Snapi smartcard promises access for all". ComputerWeekly.com. Retrieved 2022-05-30.
- ↑ "EN 1332-4". European Standards. Retrieved 2022-05-30.
- ↑ Wood, Andrew; Downer, Kate; Toberman, Annalise (2011). "Evidence review of smartcard schemes in local authorities" (PDF). Department for Work and Pensions.