Is CVV security code stored electronically in EMV debit cards? I am wondering if it's possible to process a payment using a NFC reader and an online gateway.
No, CVV2 used in online transactions are not encoded anywhere inside the chip.
Related
I'm going to write a Java Card applet to convert my card into an EMV compliant card.
1- The question is how can I do that?
As far as I know, there are four EMV specifications known as EMV Books which contain principles of EMV cards (Chip characteristics, file structure and also the list of APDU commands). Do I need any other specifications to implement my applet or these are all I need? If there are some other specifications which I need, are they freely available or they are proprietary?
2- Do EMV cards have an specific Applet AID?
EFT-Lab provided a good list of applet AIDs. As you see below, there are a lot of AIDs which belong to Visa International (as vendors) that all are "EMV" types. Why does Visa International have a lot of different AIDs for its EMV applets? What's the difference between these applets?
3- Is there any open source EMV applet? Is there any Java Card that has an EMV applet/package by default?
4- Is there any specific difference between contact and contactless EMV cards? (I mean in the file-structure or in the APDU commands)
1- The question is how can I do that?
Yes. Implement the specifications. If there are any other requirements (and surely there will be) then they should be referenced in the specs.
2- Do EMV cards have an specific Applet AID?
Because they offer specific functionality? You may even have multiple applications on the same card. Note that it is possible to select applications using a partial AID (see how the Debit & Credit card partially match). The VISA specific cards are likely used internally only, e.g. when servicing cash machines.
3- Is there any open source EMV applet? Is there any Java Card that has an EMV applet/package by default?
Not likely. It would be rather unusable because it would require EMVCo security evaluation to be accepted. So you need some kind of payment structure to pay for certification and audits. No open source initiative is likely to pony up the cash up front.
Often these kind of implementations require techniques to avoid vulnerabilities that need to remain secret; smart cards do not offer perfect security after all. That's perpendicular to open sourcing an implementation. So if there is anything out there it must be created out of academic interest (e.g. for testing the security of the protocol, proof of concept etc.).
4- Is there any specific difference between contact and contactless EMV cards? (I mean in the file-structure or in the APDU commands)
Generally it is more about which parts of the applet are available or not. The fact that most applets can be used in dual mode probably speaks for itself otherwise.
This paper seems to have a good introduction to the possible differences.
Is there any open source EMV applet? Is there any Java Card that has
an EMV applet/package by default?
Was working on a similar project and found this github repo. According to the owner:
This is a fully working EMV applet for javacard 2.2.1.
I have a form where I collect the credit card information, send it over https line to my server. In the server, I am using Stripe PHP library to generate a token and store it in my database. Can you please suggest me whether I have followed PCI Compliant or Is there any PCI checklist available in the web?
Thanks,
Raja K
In short, no, this is not compliant. By sending raw card data to your servers, you are responsible for the highest burden of PCI compliance, the SAQ D. SAQ D is the most onerous of all the SAQs, with over 40 pages of requirements you must implement to remain PCI compliant.
The easiest level of PCI compliance is a Pre-filled SAQ A, which you can use if you use Stripe's frontend libraries to tokenize card data. I would recommend looking into Checkout or Elements to see if they fit your needs.
With Checkout or Elements, Stripe's libraries will tokenize a card for you, and you can send that token to your servers to create a charge. This means that the standards for PCI compliance no longer apply to your servers, as they don't contain sensitive card data.
You can read more about the different levels of PCI compliance when using Stripe here:
https://stripe.com/docs/security#validating-pci-compliance
Is there way how to connect our PinPad card terminal to Unicenta ? I cannot find any info about hw connection to unicenta.
We have this:
http://ingenico.us/terminals/ipp220/
Per their FAQ, they do not support direct communication with terminals (pinpad).
FAQ
Q: Does uniCentra oPOS handle Credit Cards?
A: We don’t integrate with directly attached card payment terminals at this time.
Also, the only payment peripheral listed is the "Magnetic Card Reader".
You may want to research the existing integrated gateways to see if they have a direct terminal communication solution.
Short question: Can I read credit card information with a NFC capable Windows Phone 8?
Long question: How does NFC with credit cards exatly work? The card (or the phone with wallet function) receives a request via NFC and replies with the cleartext credit card information in some standardised format? The Wallet option then aditionally still props some comfirmation dialog before broadcasting the credit card information?
Or is there some handshake encryption going on before hand? Or is there some credit card specific secret code safeguarding the commuincation? Or is there some overlay protocol on NFC for payment? NFC ist just pushing a string over the air as far as know?
If it works, as I think it works, can I tell a Windows 8 Phone, through preferably C#, to read credit card information and display it to me (if the credit card has a chip inside)? Or does maybe Windows Phone 8 disallow access to the NFC reader, or some mystic payment protocol (if such a thing exists). My short web search was very vage on technical details, especially with some sites talking about carrier support for wallet systems, as if some keys would be fetched from somewhere in the web to secure the transactions? I can't really image something like that being standardised accross all credit card issuers.
Can someone give technical insight the way credit card data is transfered and if you can program a phone to read such data.
Contactless credit/debit cards certainly do use NFC (mainly ISO 14443-A, some mainly in France are ISO 14443-B), and their communication protocols follow an industry standard called EMV which has public specs available here: http://www.emvco.com/specifications.aspx?id=223 The cards speak the same EMV both over NFC/contactless as well as through the contact chip (eg the gold thing you insert into a reader) though payment networks tend to do things slightly differently depending on which interface is used (eg sometimes PIN not required via contactless for low amounts, whereas contact might always require a PIN). Also, certain aspects of the protocols are proprietary to the payment networks so the EMV specs don't fully describe everything.
If you search around there are various sites that give some examples of how to communicate with credit/debit cards some over NFC others with an insert chip card, but typically the commands will work the same regardless of the interface. You can buy a USB smart card reader that will do both NFC and insert/contact for http://blog.saush.com/2006/09/08/getting-information-from-an-emv-chip-card/
For Windows Phone you also can talk with credit cards as long as you have a Lumia 830/730/735 etc as the older devices (even the Lumia 930) have an older NFC chip where the driver doesn't support the smart card APIs. You can use the sample code here: https://nfcsmartcardreader.codeplex.com/ to learn how to send/receive APDU commands/responses to NFC cards though that project doesn't specifically have the commands you need for a credit card (though that other link does have the APDUs you need).
And credit cards generally all will let you read their PAN (the account number printed on the front), expiry date, and in some countries even the cardholder name (though in the US for privacy most banks tend to not expose it, instead returning stuff like "VALUED/CARDHOLDER" as the name) without any encryption or keys. It will not however return the CVV2 code printed on the back of the card, which is generally required by merchants to be able to place orders on the internet, and it also generally does not let you clone the card since there is dynamic/encrypted data required to do card present transactions at a physical merchant.
Short answer: No. It's unlikely Credit card would work with WP8.
Long answer:
RFID vs. NFC: As far as I know most credit cards don't have NFC. They have RFID. Which one could say it's a "predecessor" technology to NFC. RFID is mostly non-standardized, has longer range than NFC and only supports one-way communication. Whereas NFC is an evolving standard, can be used in 2cm-4cm range and supports two-way communication. So, WP8 does not support RFID but it does support NFC.
RFID on WP8: All that being said, there's a chance that WP8 could identify some RFID tags. You might be able read byte[] from specific RFID tags in specific WP8 phones. Obviously, that's not recommended.
Secure NFC: One last thing is that some very exclusive partners in some very specific regions will have access to "Secure NFC". Secure NFC is a superset of NFC and adds the feature to store & transmit secure information via NFC from WP8. For example Secure NFC can store a Credit Card number or a bank account number as part of the WP8 Wallet. However, That will only work in regions where the mobile operator issues a "Smart SIM" (SIM capable of running applets), where the developer can author Java based Smart SIM applets, where the developer has an agreement with the mobile operator to deploy those applets over-the-air, where those WP8 apps have been cleared with Microsoft for the WP8 store and where there are dedicated retail HW terminals that can read them.
Sorting out a bit of the above answer of JustinAngel:
RFID is not a predecessor technology of NFC
RFID covers various frequency bands of Radio Frequency Communication (e.g. HF and UHF)
NFC is Near Field Communication and usually covers HF (13.56 MHz)
Many standards fall under HF NFC: ISO14443-4, ISO15693, FeliCa, ISO18092, .....
NFC Forum is trying to unify things and uses NDEF messages to exchange semantic messages
contactless payment on credit cards is based on a contactless smartcard layer.
WP8 allows only exchange of NDEF messages
WP8 does not allow exchange on the contactless smartcard layer (ISODEP==L4==(T=CL))
see the windows proximity api for details or http://developer.nokia.com/Community/Wiki/Use_NFC_tags_with_Windows_Phone_8
Android however gives access to this ISODEP layer
I don't know what credit card information could be retrieved from an app. There is a secure element involved which handles cryptography and stuff. I don't think detailed information on Mastercard payPass or VISA payWave is freely available
Can I read credit card information with a NFC capable Windows Phone 8?
No, you cannot do that. NFC API on Windows Phone 8 is very limited.
May be Wallet API could help you somehow with your project, but this is not about NFC.
Also you could try to use Android devices with NFC, they have more powerful NFC API than WP8.
I am trying to sign an XML document with the Micrisift API for the smart cards...
So far I can list the card readers, connect to the right card and establish the context but after that I am not sure what is next......
What PC/SC Functions Do I need to call to sign a document with a private smartcard key?
thanks in advance
Javier
If you have a middleware installed you can use the Windows CAPI for cryptographic functions. Some middlewares also ship a PKCS#11 library you can use.
If you don't have any middleware you have to do it yourself using the PC/SC interface, I suggest you look into ISO/IEC 7816-4 and ISO/IEC 7816-8 if the card is using Secure Messaging (or Sado Machism if you ask me). Unfortunately those ISO specs are quite expensive, however you can find some excerpts from ISO/IEC 7816-4 right here.
The ISO/IEC 7816-4 describe the APDU commands for information exchange with the card. The PKCS#15 standard can also be of great help regarding how files are stored on the card.
Also, you might need the full specification from the card manufacturer. If you are lucky you can find a plugin for your card in the MuscleCard project or the OpenSC project (they both work in Windows too).