Preparing Payments Devices for EMV Implementation

In an effort to combat fraud, as well as prepare for contactless payments, the card associations have announced timelines for implementation of EMV for the payments infrastructure in the U.S.

EMV chip-based payment cards, also known as smart cards, contain an embed- ded microprocessor. The microprocessor chip contains the information needed to use the card for payment, and is protected by various security features. The chip pro- vides increased protection against coun- terfeit and lost and stolen card fraud by validating the card and the cardholder.

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Increase ROI with Remote Key Loading

ATM deployers reeling from the high costs of security upgrades are wary of the next step. Implementation of Triple Digital Encryption Standards, PCI compliance and other regulatory schemes all add up. Certainly enhanced security is worth the investment, but it would be nice to invest in an upgrade that offered a significant return on investment beyond not being victimized by criminals. Remote key loading offers a solution.

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Remote Key Loading Revitalizes Legacy Terminals

For years, ATM owners have relied on expensive and risky manual installation of encryption keys. The traditional method relies on two technicians, each carrying a portion of the secret code, to enter the code into each and every machine in a portfolio.

Susceptibility to fraud and error are two of the drawbacks to this method, not to mention the cost. Of course, regulatory mandates for remote key loading (RKL) are on the horizon as well. Version 1.2 of the Payment Card Industry Council Data Security Standard requires keys to be changed every 12 months. Updating keys manually every year could turn into an expensive, time-consuming proposition.

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Security Advantages of Remote Key Loading

The adoption of stricter standards for data encryption in recent years has meant that ensuring ATM security has become more complicated.

The latest Payment Card Industry Council Data Security Standards dictate that ATM deployers incorporate encrypting PIN pads and the more secure Triple Data Encryption Standard.

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Understanding Remote Key Loading

By using remote key loading (RKL), ATM operators have the opportunity to improve operating efficiency while at the same time enhancing security. In some locations around the world, RKL already is a standard; in others, it’s coming.

Simply put, RKL is the process of distributing the terminal master key from a central administration point to the EPP (Encrypted PIN Pad) or PED (PIN Entry Device). The code keys encrypt the information being sent back and forth between the ATM and the central processing center.

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