EMV Chip and PIN : A Feeble Upgrade

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  • Additional Information
    • Year:
    • Subjects:
    • Abstract:
      The most dominant protocol used in the smart card payments all over the world is called EMV (EMV, n.d.) which stands for Europay, MasterCard and Visa. The EMV cards are used for processing transactions through payment terminals and ATMs (automated teller machine). These are widely used in Canada, Mexico, Europe, Asia, South America and was also implemented in USA (Huq, 2015). The transactions of the EMV are secured by using a variety of cryptographic authentication codes, digital signatures and an entry of a PIN. But in US there was a slightly different implementation which led to a disaster as they ended up less secure, slow and confusing to use. This paper will discuss about the problems and challenges faced in USA due to this implementation and focus on flaws in the protocol. Identify different ways in which the transactions were compromised and study the statistics to get a brief idea about the types of compromises occurring frequently. This paper also discusses about future of making secure transactions and alternate ways to achieve it. It will also include a survey aimed to identify whether EMV has been implemented successfully and if chip cards are being used and to which extent. Other sources of payment are also focused to find where the interest must be shifted for research in secure future payment systems.
    • University:
      St. Cloud State University
    • Accession Number:
    • :
      This thesis or dissertation is protected by copyright: all rights reserved. It may not be copied or redistributed beyond the terms of applicable copyright laws.
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      OpenDissertations was funded in part by a grant from The H.W. Wilson Foundation, Inc. in cooperation with EBSCO Information Services and the Congregational Library and Archives.
  • Citations
    • ABNT:
      MADDI, N. S. EMV Chip and PIN : A Feeble Upgrade. 2018. [s. l.], 2018. Disponível em: https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796. Acesso em: 23 mar. 2023.
    • AMA 11th Edition:
      Maddi NS. EMV Chip and PIN : A Feeble Upgrade. 2018. Accessed March 23, 2023. https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796
    • APA 7th Edition:
      Maddi, N. S. (2018). EMV Chip and PIN : A Feeble Upgrade.
    • Chicago 17th Edition:
      Maddi, Naga Suraj. 2018. “EMV Chip and PIN : A Feeble Upgrade.” https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796.
    • Harvard:
      Maddi, N.S. (2018) EMV Chip and PIN : A Feeble Upgrade. Available at: https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796 (Accessed: 23 March 2023).
    • Harvard: Australian:
      Maddi, NS 2018, ‘EMV Chip and PIN : A Feeble Upgrade’, viewed 23 March 2023, .
    • MLA 9th Edition:
      Maddi, Naga Suraj. EMV Chip and PIN : A Feeble Upgrade. 2018. EBSCOhost, ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796.
    • Chicago 17th Edition:
      Maddi, Naga Suraj. “EMV Chip and PIN : A Feeble Upgrade,” 2018. https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796.
    • Vancouver/ICMJE:
      Maddi NS. EMV Chip and PIN : A Feeble Upgrade [Internet]. 2018 [cited 2023 Mar 23]. Available from: https://ezproxy.mscc.edu/login?url=https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=ddu&AN=51AE6272BFF3B796