Authorizing Card Payments with PINs

MATYÁŠ, Václav, Daniel CVRČEK, Jan KRHOVJÁK a Marek KUMPOŠT. Authorizing Card Payments with PINs. Computer. Los Alamitos: IEEE Computer Society, roč. 41, č. 2, s. 64-68. ISSN 0018-9162. 2008.

Základní údaje

• Originální název: Authorizing Card Payments with PINs
• Název česky: Autorizace platebních transakcí PINem
• Autoři: MATYÁŠ, Václav (203 Česká republika, garant), Daniel CVRČEK (203 Česká republika), Jan KRHOVJÁK (203 Česká republika) a Marek KUMPOŠT (203 Česká republika).
• Vydání: Computer, Los Alamitos, IEEE Computer Society, 2008, 0018-9162.

Další údaje

• Originální jazyk: angličtina
• Typ výsledku: Článek v odborném periodiku
• Obor: 10201 Computer sciences, information science, bioinformatics
• Stát vydavatele: Spojené státy
• Utajení: není předmětem státního či obchodního tajemství
• WWW: URL
• Impakt faktor: Impact factor: 2.093
• Kód RIV: RIV/00216224:14330/08:00024644
• Organizační jednotka: Fakulta informatiky
• UT WoS: 000253044600025
• Klíčová slova anglicky: Chip and PIN technology; ecommerce; PIN pads
• Štítky: Chip and PIN technology, ecommerce, PIN pads
• Příznaky: Mezinárodní význam, Recenzováno

Anotace

Chip \& PIN is the name of the new technology supposed to considerably decrease fraud related to payment cards. While this is definitely true from the banks' point of view, what is not so clear are implications for customers -- the ultimate card users. Introduction of smartcards within the Chip \& PIN deployment exercise is quite likely the most extensive deployment of computers in the human history, with security as a major aspect. We first review some of the most critical issues related to the introduction of Chip \& PIN card payment authorization, and then discuss our two-phase experiment.\footnote{This experiment was partly supported by the FIDIS (Future of Identity in the Information Society) Network of Excellence.} Our experiment examined, in two phases, whether the introduction of this authorization method is advantageous for an opportunistic thief and whether the customer truly benefits from the Chip \& PIN technology with respect to this opportunistic thief. This is, to our best knowledge, the first presentation of non-trivial field experiment results on the ease of PIN in-shop observation to the general public.

Anotace česky

Chip \& PIN is the name of the new technology supposed to considerably decrease fraud related to payment cards. While this is definitely true from the banks' point of view, what is not so clear are implications for customers -- the ultimate card users. Introduction of smartcards within the Chip \& PIN deployment exercise is quite likely the most extensive deployment of computers in the human history, with security as a major aspect. We first review some of the most critical issues related to the introduction of Chip \& PIN card payment authorization, and then discuss our two-phase experiment.\footnote{This experiment was partly supported by the FIDIS (Future of Identity in the Information Society) Network of Excellence.} Our experiment examined, in two phases, whether the introduction of this authorization method is advantageous for an opportunistic thief and whether the customer truly benefits from the Chip \& PIN technology with respect to this opportunistic thief. This is, to our best knowledge, the first presentation of non-trivial field experiment results on the ease of PIN in-shop observation to the general public.

Návaznosti

• GA102/06/0711, projekt VaV: Název: Kryptografické generátory náhodných a pseudonáhodných čísel

Investor: Grantová agentura ČR, Kryptografické generátory náhodných a pseudonáhodných čísel