Overview

The DS3 ATK (Authentication Toolkit) for EMV CAP / AA4C is Mastercard-certified to function as a CTVS (CAP Token Validation Service) and CTGS (CAP Token Generation Service). It is used in conjunction with frontend EMV-Chip based smartcards to authenticate the CAP token generated by the EMV-Chip cards.

How is EMV CAP / AA4C used ?

• Most chip-based cards (Credit, Debit, ATM, etc) are based on the EMV standard.
• These cards, through with a reader, are able to generate a One-time Password (OTP) that can be used for login authentication or transaction authorization.
• The OTP that is generated is known as a CAP Token, generated under the CAP specifications or AA4C specifications.
• The backend authentication server that verifies the CAP Token is called the CTVS (CAP Token Verification Service).
• The DS3 ATK for EMV CAP / AA4C is certified by Mastercard for EMV CAP / AA4C, and has also been validated for VISA DPA for use with EMV CAP / AA4C smartcard and readers.

Possible applications are:

User Login Authentication

Transaction Authorization

Credit / debit card authorizations over 3D Secure

The DS3 ATK for EMV CAP / AA4C also supports Mastercard’s mobile CAP standard (CTGS) for SMS-based authorizations.