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Optimised to Fail: Card Readers for Online Banking
Financial Cryptography, (2009): 184-200
EI
Abstract
The Chip Authentication Programme (CAP) has been introduced by banks in Europe to deal with the soaring losses due to online banking fraud. A handheld reader is used together with the customer's debit card to generate one-time codes for both login and transaction authentication. The CAP protocol is not public, and was rolled out without a...More
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