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When a payment card authorization request is made to verify the legitimacy of a transaction, a token might be returned to the merchant instead of the card number, along with the authorization code for the transaction. The token is stored in the receiving system while the actual cardholder data is mapped to the token in a secure tokenization system.
Older PC card tokens are made to work primarily with laptops. Type II PC Cards are preferred as a token as they are half as thick as Type III. The audio jack port is a relatively practical method to establish connection between mobile devices, such as iPhone, iPad and Android, and other accessories.
The RSA SecurID authentication mechanism consists of a "token"—either hardware (e.g. a key fob) or software (a soft token)—which is assigned to a computer user and which creates an authentication code at fixed intervals (usually 60 seconds) using a built-in clock and the card's factory-encoded almost random key (known as the "seed").
PAR is used to tie individual tokens (e.g., that are created and used with digital wallets and for online purchases) and reissued card numbers to one payment account number (PAN). When using PAR, payment ecosystem participants can tie all transactions (including tokenized transactions and reissued card numbers) to one account.
A ChipTAN generator is not tied to a particular account; instead, the user must insert their bank card during use. The TAN generated is specific to the bank card as well as to the current transaction details. There are two variants: In the older variant, the transaction details (at least amount and account number) must be entered manually.
A smart card (SC), chip card, or ... AudioSmartCard was founded in 1993 and specialized in the development and marketing of acoustic tokens incorporating security ...
This type of token mostly uses a OTP that can only be used for that specific session. [6] A USB security token. Connected tokens are devices that are physically connected to the computer to be used. Those devices transmit data automatically. [7] There are a number of different types, including USB tokens, smart cards and wireless tags. [7]
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