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Chip Authentication Program information


A Gemalto EZIO CAP device with Barclays PINsentry styling

The Chip Authentication Program (CAP) is a MasterCard initiative and technical specification for using EMV banking smartcards for authenticating users and transactions in online and telephone banking. It was also adopted by Visa as Dynamic Passcode Authentication (DPA).[1] The CAP specification defines a handheld device (CAP reader) with a smartcard slot, a numeric keypad, and a display capable of displaying at least 12 characters (e.g., a starburst display). Banking customers who have been issued a CAP reader by their bank can insert their Chip and PIN (EMV) card into the CAP reader in order to participate in one of several supported authentication protocols. CAP is a form of two-factor authentication as both a smartcard and a valid PIN must be present for a transaction to succeed. Banks hope that the system will reduce the risk of unsuspecting customers entering their details into fraudulent websites after reading so-called phishing emails.[2]

  1. ^ Dynamic passcode authentication Archived 2008-11-19 at the Wayback Machine, VISA Europe
  2. ^ Leyden, John. "Barclays deploys PINsentry to fight fraud". www.theregister.com. Retrieved 2021-04-30.

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