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Glossary

 

KHT
AS-PINAS/ANSI formatted PIN Block
BDKBase Derivation Key
CVVCard Verification Value (Visa)
DATAData to be encrypted etc. Always a multiple of 8 bytes
DESData Encryption Standard
DPKData Protect Key. Usually a random generated session key (KS)
DUKPTDerived Unique Key Per Transaction

EFT

Electronic Funds Transfer

EFT Client

A specialized EFT payments application running on a payment device

IPEKInitial PIN Encryption Key
ECBElectronic Code Book
Function Code

The 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.

HSMHardware Security Module

iOS

The iPhone operating system

ePOS

Electronic Point Of Sale software application

JSON

JavaScript Object Notation

KCVKey Check Value.
KEKKey Exchange Key (MasterCard).
KGKKey Generation KeyHost Transfer Key
KIRReceive Interchange Key (used for passing encrypted keys).
KIS/KIRInterchange Send and Receive Keys
KMThe domain master key (used for encrypting keys for storage on the host).
KM1Used for PPK functions,
KM2Used for MPK functions,
KTKKey Transport Key
KTMTerminal Master Key.

mPED

A mobile PED

OS

Operating System

PANThe customer Primary Account Number.
PIN

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

PPKPIN 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

PVKIPIN Verification Key Indicator (Visa).
PVNPIN Verification Number
PVSPIN Verification Service (Visa).
PVVPIN 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.

RKIRemote Key Injection
RNDRandom Number
SECURE KEY BLOCK

Structured 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.

SKSecret Key
SMIDSecurity Management Information Data
SSKShared Secret Key
TDES

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

TKTerminal KeyTLSStands 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 Tamper Resistant Security Module

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