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Dave and the team discuss a canceled space launch, customized arena banners in video games, the best day and time to get to the store these days according to analytics, Apple reopening stores, Firefox’s improved password management, and more.
Allyson in Baton Rouge, Louisiana listens on Talk 107.3WBRP and asked: “What information is on the computer chips in our credit cards, besides credit information?”
Allyson, the chips in credit cards, EMV chips, contain the information required to authorize the transaction.
What that information is, varies depending on whether it’s a debit or a credit account, but it’s basically an account information (account number, maybe a routing number, that kind of data) and a dynamic security token.
That extra token aside, the information is what you would find in the magnetic strip and it doesn’t include information about the owner.
If you’re interested in the low level details of how the chips work the standard they follow is ISO-8583 and you can find details about how that standard manages authentication.
EMV chips just add some level of encryption over the magnetic strip, but keep in mind that the US is pretty far behind most of the world in these technologies and this is relatively old technology that is quickly losing ground to more heavily encrypted contactless technology.
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