Pin entry device security requirements manual

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Online banking authentication and EMV cards Our Gemalto CAP Chip Authentication Program solutions are standalone, based on proven standards, scalable, and can be extended to mobile banking applications and display cards. They can also use it to authenticate themselves and sign transactions. Terminals are generally supposed to accept both signature and PIN, depending on the preferred Card Verification Mode of the card. Usually, yes. Generally you should be fine, because terminals are supposed to accept either signature or PIN cards.

But you may find that the merchant is unfamiliar with processing signature-verified transactions, so it could take quite a while and they may want to actually check your written signature against the one on the card. This can happen with unattended terminals and kiosks, like train ticket vending machines. You could also run into similar problems if your card has both signature and PIN capability, but the preferred verification method is signature.

Checkout terminals that are updated with the latest software should be able to accept EMV cards that are either signature or PIN. This Walgreens store uses a terminal that supports reading chip cards, but they block it with a plastic plug. This is most likely because the retailer has plans to switch over to EMV-compliant hardware and software and has already upgraded their terminals, but the full system is not yet ready to accept those cards.

Individual retailers may also have their own reasons for waiting longer to switch over to EMV compliance. If you already accept magnetic stripe cards , talk to your merchant provider about accepting chip cards. Cybersecurity is often described as an arms race, a contest between data security experts and hackers. As payment systems are made more secure, fraudsters simultaneously work to uncover new vulnerabilities.

There is still the potential for card information to be intercepted, and for that stolen card data to be used or sold. And unfortunately, as EMV security has made in-person fraud more difficult, online fraud has increased to fill the gap. Chip cards help prevent fraud in two main ways, at least: making fraudulent transactions more difficult, and making card duplication more difficult.

The EMV chip is only used for card present transactions when you insert the chip into the reader. So EMV chips are more secure only for point of sale, card present transactions, and only when inserting the card. A mag stripe terminal simply reads the card data contained on the magnetic stripe.

The data on the mag stripe is always just sitting there on your card, waiting to be read. See this page of Krebs on Security that shows many real life examples of skimmers and other devices that are used to steal credit card information. EMV is a less passive system. These systems can still be hacked, and sometimes they are, but it requires something much more sophisticated than a simple card skimmer. The terminal is simultaneously tricked into thinking it received a correct PIN.

The result is that both sides approve the transaction, without a real PIN or signature being used. Shady businesses may employ a different nasty technique. They can program the EMV card reader to show the correct amount on the terminal, but actually charge your account a much higher amount.

Mag stripe cards are vulnerable to this trick, too. EMV technology is different. However, EMV cards are still vulnerable in some ways. Your card still has a mag stripe on the back. It can be read with a skimmer, as mentioned above, and copies of the card can be made.

If you use a hacked EMV terminal and thieves obtain your card information, they can use that data to create a mag stripe version of your card. But an unfortunate side effect of more chip card transactions has been the subsequent rise of online fraud, as criminals seek out easier means of identity theft. So be sure to protect your information and financial tools, both online and offline.

For the consumer, nothing really changes when it comes to fraud liability with EMV cards. Liability for fraud usually rests with the card issuer or payment processor, depending on the specific terms of the account. So October is the new date at which all card present transactions in the U. The United States has been transitioning slowly to EMV technology since about , when Visa began promoting the idea. EMV cards have been used in Europe and Canada for decades, with many around the world wondering why the U.

Many retailers, especially smaller stores with less funds to spend on upgrading, have dug their heels in until switching seems like the less costly option. Things started moving much more quickly with the fraud liability shift that began in October This is a big and potentially expensive change for merchants, because usually the card issuer or payment processor would be liable for fraud.

Many retailers now use EMV technology, although not all. In the U. This is because they have until October to upgrade to EMV. The original date was set to be October , but the deadline was extended to give the U.

Gas stations and fuel companies have resisted the change for several reasons, in large part due to the massive cost of switching over.

Many gas stations are independently owned as part of convenience stores, rather than being run by huge corporations, so the barriers to converting are high.

They frequently publish reports on the use of chip cards, by both merchants and consumers. Their most recent set of statistics, from the end of , show that EMV card usage has continued to grow in the U. Image credit: EMVCo. Visa has some impressive stats on EMV acceptance as well, released in March Visa reports that:.

Biometric cards are currently being trialed in South Africa, with plans for Europe and Asia Pacific in coming months. Credit card security is important. Thankfully, cardholders are not usually held liable for fraudulent charges. Government agencies of personnel security access determinations or system or facility accreditations when there are no waivers, conditions, or deviations to DNI standards.

Ensure other U. Government agencies receiving access determinations or accreditations from the Department are informed of all waivers;.

Government agencies;. Individuals must be indoctrinated into their security responsibilities, and upon debrief, their life-long legal responsibilities to protect SCI.

This includes developing directives for the implementation of all relevant ICDs, DCIDs, and related or subsequent guidance, and overseeing Department compliance with those directives for the protection of SCI. This includes:. SSRs must report incidents or activities that meet the parameters of the reporting requirements, as stated in 12 FAM Additionally, recipients of SCI within the Department including contractors, consultants, or detailees from other Government departments, agencies or entities, must follow the procedures established by INR for protection, handling, accountability, dissemination, and destruction of SCI.

Eligibility determinations are made in accordance with uniform personnel security standards and procedures to facilitate initial vetting, continuing personnel security evaluation, and reciprocity throughout the IC. Unless specifically delegated, approval authority for access to information derived from certain SCI programs is retained by the cognizant program manager, executive agent, or national authority.

IC element heads are responsible for issuing administrative procedures governing the granting of SCI accesses in their organizations. Government agencies without further adjudication unless an exception to personnel security standards has been granted by the parent agency.

If the person does not require continued SCI access, the person departing the bureau or post must receive a debriefing see 12 FAM Only nominate a contractor employee for access to SCI to perform assigned duties under a specific contract where there is a need to handle, process, or discuss SCI. Do not submit SCI nominations solely for gaining unescorted facility access;.

If the contract is not at the TS level and does not include the overall requirement for SCI access specifically related to the requirements identified in item 12 FAM At that time, the contractor employee will be eligible for an SCI indoctrination briefing. Other agency personnel including detailees to Department and tenant agency personnel :. Personnel assigned domestically will be directed to attend an indoctrination briefing. The RSO will coordinate briefings for personnel at posts abroad.

An individual that is denied access will also be notified in writing in accordance with the provisions of ICPG Continuous personnel security and counterintelligence evaluation is required of all personnel granted SCI access.

NDA was revised in , but all agreements signed before this date continue to be in effect as the provisions are consistent with and do not supersede, conflict with, or otherwise alter the employee obligations, rights, or liabilities created by existing statute or E.

These provisions are consistent with and do not supersede, conflict with, or otherwise alter the employee obligations, rights, or liabilities created by existing statute or EO relating to:. The definitions, requirements, obligations, rights, sanctions, and liabilities created by controlling EOs and statutory provisions are incorporated into this agreement and are controlling.

All persons granted SCI access by the Department will receive periodic SCI security education and awareness refresher training advising them of:. Holders of SCI must determine that a prospective recipient of the information has appropriate access approvals and has a need for access to specific SCI to perform or assist in a lawful and authorized governmental function.

Holders of SCI must ensure the recipient can properly protect the information. Holders of SCI must challenge requests for information that do not appear to be legitimate. All personnel under Department authority with SCI access are obligated to report to proper authorities all activities or conduct concerning themselves or of another individual who has access to SCI as stated below in 12 FAM Department employees, contractors, and former employees are obligated by their signed NDA to submit for security review any writing or other preparation in any form speeches, public statements, internet postings, etc.

This is a continuing obligation that applies during the course of any access to SCI and after. Personnel must obtain written authorization from the Department prior to release to any unauthorized person or public disclosure. Prepublication review is also necessary to avoid potential damage that would result from confirmation of SCI information previously published without authorization. Individuals with SCI access may not publicly cite such information especially in conjunction with military title, U.

Government position, or contractual relationships with SCI programs. All individuals under Department authority with SCI access granted by the Department must report personal foreign travel in accordance with the reporting procedures contained in 12 FAM and 12 FAM Debriefed personnel will be reminded of their continuing obligation to protect national intelligence and comply with the terms of the NDA, including the continuing obligation to submit for review any planned articles, books, speeches, or public statements that contain or purport to contain SCI or information relating to or derived from SCI.

Personnel who depart without signing the debriefing acknowledgement or who refuse to sign a debriefing acknowledgment are still obligated by the terms of the original signed NDA. Access to Scattered Castles is restricted to security elements in each agency that need to verify SCI access information.

The IC Scattered Castles repository, or successor database, must be the authoritative source for personnel security access approval verifications regarding SCI and other controlled access programs, visit certifications, and documented exceptions to personnel security standards. Individuals who learn of violations or compromise must report matters and take immediate action to protect SCI found in an unsecure environment, until it can be restored to SCI control;.

As provided in 12 FAM , any security incident involving the mishandling of SCI material will be deemed a security violation rather than an infraction, even when occurring in a controlled access area CAA abroad or within the equivalent of a CAA domestically.

The 1 FAM Investigations must determine if there is a reasonable likelihood that SCI material was compromised, the identity of the person s responsible for the unauthorized disclosure, and the need for remedial measures to prevent a recurrence. The adjudication of security incidents will apply a risk-based analysis, which will assess intent, location of incident, risk of compromise, sensitivity of information, and mitigating factors.

Security violations will be recorded in security files in accordance with 12 FAM Disciplinary actions will be conducted in accordance with 12 FAM Accreditation is the beginning of a life-cycle process of continuous monitoring and evaluation, periodic re-evaluations and documentation reviews to ensure the SCIF is maintained in accordance with ICD and all related standards.

Physical security standards for the construction and protection of such facilities are prescribed in the current ICD and related guidance. ICD allows the use of mitigation strategies to meet the intent of the standards without requiring written waivers. All existing SCIFs within Department bureaus, posts, or other facilities as of the date of this subchapter will continue to operate in accordance with security requirements applicable at the time of the most recent accreditation.

Upon reaccreditation an existing SCIF must be compliant with current requirements unless a waiver is granted by the IC element head or designee in accordance with ICD A SCIF accreditation may be suspended or revoked if there is a danger of SCI being compromised due to unsatisfactory security conditions. In addition to existing construction security standards, security in depth SID describes the factors that enhance the probability of detection before actual penetration of the SCIF occurs.

The existence of a layer or layers of security that offer mitigations for risks may be accepted by the AO. The AO may develop additional strategies to mitigate risk and increase probability of detection of unauthorized entry. Government compounds, or contractor compounds with a dedicated response force of U.