Using EMV cards to protect e-commerce transactions ... - Chris Mitchell

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facto standard means to secure an electronic transaction made over the Internet, it only provides .... then verify the issuer public key certificate and hence can verify the signature ... may be encrypted between the PIN pad and the IC card.
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Issuing Bank

Acquiring Bank

physical communication [billing]

transaction authorisation and clearing

transactions

Client

Merchant

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IC Card

Cardholder System

Merchant Server

Acquirer

1. Static Data Authentication 2. IAC || PI -display the purchase information(PI)to the cardholder -check the IC card presence, and forward 3. IAC 4. SIC(DAD)||CertIC 5. SIC(DAD) || CertIC -verify the certificate, the public key and the signature 6. Process Restriction -cardholder enters PIN via either keyboard or PIN pad 7. PIN Verification Request -PIN verification process 8. PIN Verification Response -if PIN verification response is success, perform Risk Management. Otherwise, end. 9. AC Command -perform card action analysis -generate Application Cryptogram 10. TC/AAC/ARQC 11. TC/AAC/ARQC -check TC/AAC/ARQC against PI -if TC/AAC is sent, store it with PI and the protocol ends. -if ARQC is sent, send message 11. 12. ARQC||PI 13. ARPC, (Script Process) 14. ARPC, (Script Process) 15. ARPC, (Script Process) 16. TC/AAC 17. TC/AAC -store TC/AAC with PI and end.

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