Table of Contents
How does DUKPT work?
POS devices typically safeguard data using an encryption key generation method called DUKPT, or Derived Key Per Transaction. After the data is sent, the current key is used to create additional future keys, and then it is erased, removing any information about a previous transaction. Derived keys keep information safe.
What is Ksn payment?
An identifier known as the “Key Serial Number” (KSN) is returned from the encrypting device, along with the cryptogram. The KSN is formed from the device’s unique identifier, and an internal transaction counter.
What is Ksn DUKPT?
In DUKPT, the POS device generates a unique derived key along with a unique associated key serial number (KSN). It encrypts the data with the one-time key and sends the encrypted data and KSN to the payment service provider.
What is aes DUKPT?
The AES DUKPT algorithm, which uses the U.S. government approved Advanced Encryption Standard, is intended to replace a nearly 40-year-old standard based on DES technology. “AES DUKPT supports up to 256-bit AES keys, which are immune to all known methods of brute force attacks, even quantum computing attacks.”
What is key injection process?
This process involves physically injecting data encryption keys into each point of sale hardware device. Industry-leading key injection hardware is utilized that allows the process of key injection to take place quickly and easily, enabling sensitive data to be encrypted instantaneously at the point of capture.
What is BDK key?
A BDK (Base Derivation Key) is created on the HSM (Hardware Security Module). The BDK is the top level key in the hierarchy. In a P2PE solution, all encryption will take place on the PED (PIN Entry Device) and all decryption will take place on the HSM.
What is Ksn card?
Key Serial Number layout. The KSN is always 10 bytes long. When a card reader is configured for encryption at the factory, it gets injected with a 16-byte key and a 10-byte initial KSN. The key that’s injected is derived from a super-secret key (that’s never injected) called the BDK, or Base Derivation Key.
What is Ksn in EMV?
Configuration: There are two main components in creating a DUKPT transaction environment: a Base Derivation Key (BDK) and a unique Key Serial Number (KSN). The hardware security module responsible for injecting keys contains a counter that increments whenever a new device is added into the network.
What is terminal line encryption?
NYRA’s NSecPOS – a Terminal Line Encryption (TLE) solution – is built to ensure and applied the security measurement needed for banking POS network infrastructure. It addressed network security in POS transactions as well as fraud threats, with a solution that offers scalability, flexibility and durability.
What Is PIN pad in security?
A PIN pad or PIN entry device (PED) is an electronic device used in a debit, credit or smart card-based transaction to accept and encrypt the cardholder’s personal identification number (PIN). The PIN pad is required to read the card and allow the PIN to be securely entered and encrypted before it is sent to the bank.
What Is PIN encryption?
What is PIN encryption? The cardholder enters their PIN into your PIN pad or credit card terminal, and that PIN is then transmitted over the various card issuer networks, confirming the cardholders identity.
How do I use terminal payment?
The terminal allows the merchant or their client to swipe, insert or hold a card near the device to capture the information. They are often connected to point of sale systems so that payment amounts and confirmation of payment can be transferred automatically to the merchants retail management system.