Introduction to Financial Remote Key Loading (Part 3)

by Futurex on July 30th, 2018

In order for the endpoint device (whether an ATM, Point of Sale terminal, or IoT device) to receive symmetric encryption keys for PAN or PIN encryption, it must first establish a secure connection with the remote key platform. PKI is a form of asymmetric cryptography where the sender and receiver use public and private keys to both decrypt messages and verify each other’s identity. PKI allows the endpoint device and the RKL platform to verify each other’s identities and securely exchange keys. In this blog post, we outline the primary cryptographic techniques used for remote key loading to ATM, Point of Sale, and IoT devices.

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Introduction to Financial Remote Key Loading (Part 2)

by Futurex on July 16th, 2018

Successful RKL operations require collaboration and standardized communication protocols between the device manufacturer and the RKL provider. The backbone of RKL is trust at both ends of the key exchange, one end being the RKL provider and the other being the field-level device. In this blog post, we spotlight the role of device manufacturers, whether ATM, Point of Sale, or IoT in general, in deploying compliant remote key loading functionality. 

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Introduction to Financial Remote Key Loading (Part 1)

by Futurex on July 6th, 2018

We all depend on encryption keys in one way or another. While few people outside the payments industry are aware of this, anytime you present your payment card at a Point of Sale (POS) terminal or use an ATM, an encryption key quickly goes to work to encrypt the PIN or the primary account number (PAN) associated with your card. This encryption obscures the data and protects against information theft as the transaction is sent back to the card issuer for validation. For this process to work, an encryption key must be securely loaded into that endpoint device, whether it be an ATM, a POS terminal, or even a commercial off-the-shelf device used for payment acceptance.

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