This book delves into the essential concepts and technologies of acquiring systems. It fills the gap left by manuals and standards and provides practical knowledge and insight that allow engineers to navigate systems as well as the massive tomes containing standards and manuals. Dedicated to card acquiring exclusively, the book covers: Payment cards and protocols EMV contact chip and contactless transactions Disputes, arbitration, and compliance Data security standards in the payment card industry Validation algorithms Code tables Basic cryptography Pin block formats and algorithms When necessary the book discusses issuer-side features or standards insomuch as they are required for the sake of completeness. For example, protocols such as EMV 3-D Secure are not covered to the last exhaustive detail. Instead, this book provides an overview, justification, and logic behind each message of the protocol and leaves the task of listing all fields and their formats to the standard document itself. The chapter on EMV contact transactions is comprehensive to fully explain this complex topic in order to provide a basis for understanding EMV contactless transaction. A guide to behind-the-scenes business processes, relevant industry standards, best practices, and cryptographic algorithms, Acquiring Card Payments covers the essentials so readers can master the standards and latest developments of card payment systems and technology.

这本书深入研究了获取系统的基本概念和技术。它填补了手册和标准留下的空白，提供了实用的知识和见解，使工程师能够浏览系统以及包含标准和手册的大部头。专为卡的获取，这本书涵盖：支付卡和协议EMV接触式芯片和非接触式交易争议，仲裁，和合规性数据安全标准在支付卡行业验证算法代码表基本密码Pin块格式和算法必要时本书讨论发卡机构方面的功能或标准，因为它们是为了完整性的需要。例如，诸如EMV 3-D Secure之类的协议并没有涵盖到最后详尽的细节。相反，本书提供了协议每条消息背后的概述、理由和逻辑，并将列出所有字段及其格式的任务留给了标准文档本身。本章对EMV非接触式交易进行了全面的阐述，以期为理解EMV非接触式交易提供依据。一本关于幕后业务流程、相关行业标准、最佳实践和加密算法的指南，介绍了收单卡支付的要点，使读者能够掌握卡支付系统和技术的标准和最新发展。