IC IC IC ATM IC IC ATM IC IC IC IC E-mail: yuuko.tamura@boj.or.jp E-mail: hirokawa@imes.boj.or.jp
IC IC MS IC IC IC IC IC IC IC MS IC IC IC IC IC ICIC ICATM
ATMIC IC IC ATMMS IC MS IC IC IC IC ATM IC ICIC IC IC IC IC IC IC IC IC
MS ATM MS IC ICIC IC IC IC IC IC IC MS IC IC CPU IC
MS MS IC IC IC IC ATM ATM IC A AB A C IC
AD IC ATM ABCD
IC AB CD IC MS IC IC MS IC MS IC CPU MS IC IC IC IC MS MS IC
IC PIN IC IC ICIC IC IC IC IC IC IC IC IC PIN
ID ID PIN: personal identification number PIN PIN ISO ISO PIN PINISO ISO PINIC ISO ISO/IEC ISO and IEC IC IC IC PIN PINISO EMV PIN PIN
PIN PIN MS IC PIN PIN
MS MSPIN PIN MS MS PIN MS MAC JISMS PIN PIN MS ATM PIN
IC PIN MS IC IC IC IC IC IC IC IC IC IC IC IC EMVEMVCo a, b PIN IC PINPINIC ICIC IC
DDA: dynamic data authentication SDA: static data authentication EMV MAC MAC IC
MS MS MAC ID MS ID MS MS MS ID MS ID ID MS MS ID ID MS MS
MS MS ID IC IC MSIC IC IC MS IDIC IC IC IC IC IC
IC IC ICMS MS IC IC MS IC IC IC IC ICIC IC IC IC IC IC IC IC IC IC IC IC IC MS
IC IC IC IC MS IC IC ID ID MS ID IC IC IC IC MS MS IC MS IC ICIC
ICIC IC IC IC EMV IC ACapplication cryptogram generation and issuer authentication IC IC IC AC TC: transaction certificatearqc: authorisation request cryptogram AAC: application authentication cryptogram AC IC IC MACMAC IC AC ARQCAC AC IC IC PIN IC ICAACAAC ARQCARQC TC IC TC
IC ARPC: authorisation response cryptogram MACMAC IC ARQC ARC authorisation response code ARPC IC ARC TCAAC AC AC ARQC IC IC PIN PIN PIN PIN PIN PIN PIN IC IC PIN EMV IC PIN PINIC PIN PIN PIN PIN ACMAC ARQC issuer authentication data
IC IC IC IC ICATM IC IC IC IC IC IC IC IC IC IC IC MS IC MS IC MS MS IC IC IC IC Visa IC Visa, Visa International AP Region IC IC IC IC
STIP: stand-in processing IC IC VisaIC IC IC IC
IC ACIC IC IC IC IC IC IC MS IC IC IC IC IC AC ARPC Visa VisaNet 2001 IC Visa International AP Region IC Visa CEMEA IC IC IC IC LAC IC MS IC IC IC VisaAP: Asia PacificCanada CEMEA: Central and Eastern Europe, Middle East and Africa Europe LAC: Latin America and Caribbean US: United States
EMV IC IC Groupement des Cartes Bancaires CB Chip and PIN ICIC AP EMV EMV AP Visa IC IC IC IC IC IC IC IC IC IC IC IC IC
ATM ATMATM IC PIN IC key DES RSA SHA ISO/IEC JTC SC ACBio: authentication context for biometrics ISO and IEC ATM ACBio
IC ICIC IC IC MS MS IC IC IC IC IC IC IC
IC IC http://www.fsa.go.jp/news/newsj/17/ginkou/f-20060223-3.pdf http://www.zenginkyo.or.jp/news/17/news170125.html IC IC IC IC http://www. jcca-office.gr.jp/dealer/pdf/ic_card.pdf AP VISA IC AP http://www.visa-asia.com/ap/jp/merchants/productstech/policiesandincentives. shtml) IC EMVCo, EMV Integrated Circuit Card Specifications for Payment Systems- Book 2 Security and Key Management, Version 4.1, EMVCo, 2004a., EMV Integrated Circuit Card Specifications for Payment Systems- Book 3 Application Specification, Version 4.1, EMVCo, 2004b. Groupement des Cartes Bancaires CB, Migration in France: Key- Figures, Groupement des Cartes Bancaires, 2007. (http:// www.cartes-bancaires.com/en/dossiers/emv_dda.html) International Organization for Standardization (ISO), ISO 9564-1, Banking- Personal Identification Number (PIN) management and security- Part 1: Basic principles and requirements for online PIN handling in ATM and POS systems, ISO, 2002.
, ISO 9564-3, Banking- Personal Identification Number (PIN) management and security- Part 3: Requirements for offline PIN handling in ATM and POS systems, ISO, 2003., and International Electrotechnical Commission (IEC), ISO/IEC CD 24761, Information technology -Security techniques - Authentication context for biometrics, ISO, 2007., and, ISO/IEC 7816-11, Identification cards- Integrated circuit cards- Part 11: Personal verification through biometric methods, ISO, 2004. Visa, Visa International Operating Regulations Chip Mandates and Liability Shifts, Visa, 2006. (http://partnernetwork.visa.com/dv/mandates/pdf/chipmandates.pdf) Visa International AP Region, The Heart of Smart,Visa International AP Region, 2001. (http://www.visa.com.tw/ newsroom/includes/uploads/heart_of_smart_consumer_research.pdf)