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Glossary

 

AS-PINAS/ANSI formatted PIN BlockBDKBase Derivation Key

APM

Alternative Payment Methods. New way for people to pay for things without using cash or cards.

CVV

Card Verification Value (Visa)

DATA

Data to be encrypted etc. Always a multiple of 8 bytes

DES

Data Encryption Standard

DPK

Data Protect Key. Usually a random generated session key (KS)

DUKPT

Derived Unique Key Per Transaction

EMV

Europay, MasterCard and Visa. Technical standard for smart payment cards.

EFT

Electronic Funds Transfer

EFT Client

A specialized EFT payments application running on a payment device

IPEK

Initial PIN Encryption Key

ECBElectronic Code BookFunction CodeThe function code is always the first field in all response and request messages. This

code is in the range 01 - FF and determines fields which are expected to follow.

GUI

Graphical User Interface

HAL

Hardware Abstraction Layer

hEFT

headstart EFT simplification layer for 3rd party EFT Client applications/devices

HMAC-SHA-1

Message authentication algorithm using SHA-1 hash

. Reference RFC 2104.

HSM

Hardware Security Module

iOS

The iPhone operating system

ePOS

Electronic Point Of Sale software application

JSON

JavaScript Object Notation

KCV

Key Check Value.

KEK

Key Exchange Key (MasterCard).

KGK

Key Generation Key

KHTHost Transfer KeyKIRReceive Interchange Key (used for passing encrypted keys).KIS/KIRInterchange Send and Receive KeysKMThe domain master key (used for encrypting keys for storage on the host).KM1Used for PPK functions,KM2Used for MPK functions,KTKKey Transport KeyKTMTerminal Master Key.

MSC

Magnetic Stripe Card

MSR

Magnetic Stripe Reader

mPED

A mobile PED

OS

Operating System

PAN

The customer Primary Account Number.

PIN

The Personal Id Number. It may be formatted in several ways depending on the
function.

PPK

PIN Protect Key

PVK

The PIN Verification Key may be used for PIN protection as well as for PIN
Verification.

PCI

Payment Card Industry, regulations exposed on the PCI web site

PED

PIN Entry Device, a hardware device accepting credit cards and verifying PIN validity

POS

Point Of Sale application/device

PVKI

PIN Verification Key Indicator (Visa).

PVN

PIN Verification Number

PVS

PIN Verification Service (Visa).

PVV

PIN Verification Value (Visa).

RC

Return Code

The second field in all response messages. If this field is non-zero then an error is
indicated and none of the fields which normally follow will be sent.

RKI

Remote Key Injection

RND

Random Number

SECURE KEY BLOCKStructured block based on a collaborative industry standard (e.g. TR-31, GISKE) to
securely transport keys to terminals and to hosts for storage. Self-describes the
embedded encrypted key and contents are verified using embedded MAC.

SK

Secret Key

SMID

Security Management Information Data

SSK

Shared Secret Key

TDES

Also referred to as 3DES, a mode of the DES encryption algorithm that encrypts data
three times

TK

Terminal Key

TLS

Stands for Transport Layer Security, a 3-D Secure protocol, and a successor to
Secure Sockets Layer (SSL). TLS is a connection-oriented protocol that provides a
secure channel between a client and a server. TLS supports confidentiality, data
integrity, and client/server authentication.
The Mark II functions include support for TLS as required for the transport of 3-D
Secure messages and for establishing a secure channel over which host can commu-
nicate with Luna EFT.

TRSM 

TRSM 

Tamper Resistant Security Module

 

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