American National Standards Role of Standard（美国国家标准的标准）.pdf

April 2013 American National Standards – Role of Standard American National Standard – X9.59 X9.59 Electronic Commerce for the Financial Services Industry: Account Based Secure Payments Objects A) Payment Model Description - This standard describes a model of account based electronic payments. It identifies the roles played by different components of the payment process and the flow of information between those roles. The roles are the consumer, who wishes to make a payment, a merchant which provides value, and their respective Financial Institutions, the consumer financial institution and the merchant financial institution. B) Secure Object Specifications - Publication Date: 2006 X9.8-1 Personal Identification Number (PIN) Management and Security Part 1: PIN Protection Principles and Techniques for Online PIN Verification in ATM POS Systems Part 1 of this two part standard specifies the basic principles and techniques which provide the minimum security measures required for effective international PIN management. These measures are applicable to those institutions responsible for implementing techniques for the management and protection of PINS. PIN protection techniques applicable to financial transaction card originated transactions in an online environment and a standard means of interchanging PIN data. These techniques are applicable to those institutions responsible for implementing techniques for the management and protection of the PIN at Automated Teller Machines (ATM) and acquirer-sponsored Point-of -Sale (POS) terminals. Publication Date: 2003 X9.24-1 Retail Financial Services Symmetric Key Management Part 1: Using Symmetric Techniques This part of this standard covers both the manual and automated management of keying material used for financial services such as point-of-sale (POS) transactions (debit and credit), automated teller machine (ATM)