Index_O

O

Off-line card authentication, 368

Off-line clearing, 42-43

off-line transaction, 45

on-line transaction, 43

Off-line data authentication, 160-74

DDA, 165-74

performance of, 161-62

SDA, 162-65

selection, 160-62

types of, 160

See also EMV ¢ debit/credit

Off-line DDA, 148

authenticity verification, 168-70

conditions for performing, 161

defined, 165

illustrated , 167

overview, 166-68

personalization stage, 166

signature generation, 170-72

signed dynamic authentication data verification, 173-74

utilization stage, 167-68

See also Dynamic data authentication (DDA); Off-line data authentication

Off-line dynamic CAM, 262-63

as appropriate security level, 266

defined, 259

ICC resource requirement and, 262

off-line static CAM vs., 266-67

See also Card authentication method (CAM)

Off-line PIN processing, 186-91

support, 186-87

terminal not supporting, 187

See also Cardholder verification

Off-line PIN verification, 227

Off-line SDA, 162-65

conditions for performing, 162

overview illustration, 163

personalization stage, 162

stage 1, 163-64

stage 2, 164

stage 3, 164

stage 4, 165

utilization stage, 162

See also Off-line data authentication

Off-line static CAM, 261-62

defined, 259

EMV ¢ platforms supporting, 262

mandatory implementation, 264

off-line dynamic CAM vs., 266-67

with SDA mechanism, 264

See also Card authentication method (CAM)

One-time passwords, 396-97

On-line authorization, 45-47

biased selection function, 198

defined, 45

message verification, 46

risk control, 45

transaction types, 46

On-line card authentication, 368

On-line clearing, 42

defined, 42

off-line transaction, 44

on-line transaction, 42

On-line dynamic CAM, 260-61

for ATM services, 261

defined, 259-60

for EMV ¢ debit/credit application, 263

implementation, 260

necessary condition for, 261

See also Card authentication method (CAM)

On-line PIN processing, 194-95

PIN pad malfunctioning, 194

terminal, 194-95

See also Cardholder verification

Operational costs, reduced, 255

Organization, this book, 3-6

Output feedback chaining mode (OFB), 401