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Bilal Norath
South Africa
Приєднався 19 лип 2022
Welcome to my channel. My initial plan is to host a training series on EMV (Card and Payments) called "Understanding EMV", but there will probably be more stuff thrown in at a later stage when (IF!!!) I have the time.
Please Like, Subscribe and share with your friends/colleagues who also have an interest in EMV, Cards and Payments.
Or don't! I'm not the boss of you!
My apologies in advance: I do have a stutter which manifests itself as either me speaking too fast or having breaks/pauses midway in a sentence (WHEN THE STUTTER STRIKES!). I would like to believe that I am still sufficiently coherent.
I will try to upload videos as quickly as I can, but this may take a while given the demands of my day job.
02 April 2023 - quick update, my apologies, it has been a while since I last posted a video. I am struggling to find the time. I need to upload approximately 23 more video to complete this series, and I plan to resume this at the end of April/beginning of May 2023. (hopefully)
Please Like, Subscribe and share with your friends/colleagues who also have an interest in EMV, Cards and Payments.
Or don't! I'm not the boss of you!
My apologies in advance: I do have a stutter which manifests itself as either me speaking too fast or having breaks/pauses midway in a sentence (WHEN THE STUTTER STRIKES!). I would like to believe that I am still sufficiently coherent.
I will try to upload videos as quickly as I can, but this may take a while given the demands of my day job.
02 April 2023 - quick update, my apologies, it has been a while since I last posted a video. I am struggling to find the time. I need to upload approximately 23 more video to complete this series, and I plan to resume this at the end of April/beginning of May 2023. (hopefully)
26-EMV Acquiring_EMV Txn_14/14 (Transaction Completion) - Understanding EMV
This is the 26th video in this series. This is also the fourteenth and final video that covers the EMV transaction in detail. In this video we discuss step 14 of the EMV transaction which is the Transaction Completion phase of the transaction.
I also seem to have made up a new word along the way, and I am feeling too lazy to redo the video. If you do find my made-up word, please keep it to yourselves! :-)
Enjoy!
I also seem to have made up a new word along the way, and I am feeling too lazy to redo the video. If you do find my made-up word, please keep it to yourselves! :-)
Enjoy!
Переглядів: 256
Відео
25-EMV Acquiring_EMV Txn_13/14 (Script Processing) - Understanding EMV
Переглядів 1348 місяців тому
This is the 25th video in this series. This is also the thirteenth video of 14 that covers the EMV transaction in detail. In this video we discuss step 13 of the EMV transaction which is the Issuer Script Processing phase of the transaction. Enjoy!
24-EMV Acquiring_EMV Txn_12/14 (2nd Gen AC) - Understanding EMV
Переглядів 1628 місяців тому
This is the 24th video in this series. This is also the twelfth video of 14 that covers the EMV transaction in detail. In this video we discuss step 12 of the EMV transaction which is the 2nd Generate Application Cryptogram phase of the transaction. Enjoy!
23-EMV Acquiring_EMV Txn_11/14 (Issuer Decision) - Understanding EMV
Переглядів 17510 місяців тому
This is the 23rd video in this series. This is also the eleventh video of 14 that covers the EMV transaction in detail. In this video we discuss step 11 of the EMV transaction which is the Issuer Decision phase of the transaction. Enjoy!
22-EMV Acquiring_EMV Txn_10/14 (1st Gen AC) - Understanding EMV
Переглядів 31310 місяців тому
This is the 22nd video in this series. This is also the tenth video of 14 that covers the EMV transaction in detail. In this video we discuss step 10 of the EMV transaction which is the 1st Generate Application Cryptogram phase of the transaction. Enjoy!
21-EMV Acquiring_EMV Txn_9/14 (Card Action Analysis) - Understanding EMV
Переглядів 17410 місяців тому
This is the 21st video in this series. This is also the ninth video of 14 that covers the EMV transaction in detail. In this video we discuss step 9 of the EMV transaction which is the Card Action Analysis phase of the transaction. Enjoy!
20-EMV Acquiring_EMV Txn_8/14 (Terminal Action Analysis) - Understanding EMV
Переглядів 21310 місяців тому
This is the 20th video in this series. This is also the eight video of 14 that covers the EMV transaction in detail. In this video we discuss step 8 of the EMV transaction which is the Terminal Action Analysis phase of the transaction. Enjoy!
18-EMV Acquiring_EMV Txn_6/14 (CVM) - Understanding EMV
Переглядів 27810 місяців тому
This is the 18th video in this series. This is also the sixth video of 14 that covers the EMV transaction in detail. In this video we discuss step 6 of the EMV transaction which is the Cardholder Verification phase of the transaction. Enjoy!
19-EMV Acquiring_EMV Txn_7/14 (Terminal Risk Management) - Understanding EMV
Переглядів 17510 місяців тому
This is the 19th video in this series. This is also the seventh video of 14 that covers the EMV transaction in detail. In this video we discuss step 7 of the EMV transaction which is the Cardholder Verification phase of the transaction. Enjoy!
17-EMV Acquiring_EMV Txn_5/14 (Processing Restrictions) - Understanding EMV
Переглядів 16410 місяців тому
This is the 17th video in this series. This is also the fifth video of 14 that covers the EMV transaction in detail. In this video we discuss step 5 of the EMV transaction which is the Processing Restrictions phase of the transaction. Enjoy!
16-EMV Acquiring_EMV Txn_4/14 (ODA / CAM) - Understanding EMV
Переглядів 36911 місяців тому
This is the 16th video in this series. This is also the fourth video of 14 that covers the EMV transaction in detail. In this video we discuss step 4 of the EMV transaction which is the Offline Data Authentication or Card Authentication Methodology step. Enjoy!
15-EMV Acquiring_EMV Txn_3/14 (Read App Data) - Understanding EMV
Переглядів 24611 місяців тому
This is the 15th video in this series. This is also the third video of 14 that covers the EMV transaction in detail. In this video we discuss step 3 of the EMV transaction which is the Initiate Application Processing or Read Application Data step. Enjoy!
14-EMV Acquiring_EMV Txn_2/14 (App Selection) - Understanding EMV
Переглядів 22711 місяців тому
This is the 14th video in this series. This is also the second video of 14 that covers the EMV transaction in detail. In this video we discuss step 2 of the EMV transaction which is Application Selection. Enjoy!
13-EMV Acquiring_EMV Txn_1/14 (Tech Selection) - Understanding EMV
Переглядів 21511 місяців тому
This is the 13th video in this series. This is also the first video of 14 that covers the EMV transaction in detail. In this video we chat about step 1 of the EMV transaction which is Technology Selection. Enjoy!
12-EMV Acquiring_Terminal Hardware and Software - Understanding EMV
Переглядів 269Рік тому
This is the 12th video in this series. This is also the first video in the EMV Acquiring section, where we discuss what makes a Terminal EMV compliant / EMV capable. Some of the concepts discussed here are: EMV Kernel EMV Certification AID List Terminal Action Codes Terminal Capabilities Additional Terminal Capabilities Terminal Floor Limit Random Transaction Selection Exception File / Hot card...
11-EMV Issuing_Cryptography - Understanding EMV
Переглядів 404Рік тому
11-EMV Issuing_Cryptography - Understanding EMV
10-EMV Issuing_Parameters Part3/3 - Understanding EMV
Переглядів 236Рік тому
10-EMV Issuing_Parameters Part3/3 - Understanding EMV
09-EMV Issuing_Parameters Part2/3 - Understanding EMV
Переглядів 410Рік тому
09-EMV Issuing_Parameters Part2/3 - Understanding EMV
08-EMV Issuing_Parameters Part1/3 - Understanding EMV
Переглядів 843Рік тому
08-EMV Issuing_Parameters Part1/3 - Understanding EMV
07-EMV Issuing_Counters - Understanding EMV
Переглядів 371Рік тому
07-EMV Issuing_Counters - Understanding EMV
06-EMV Issuing_Card Hardware and Software - Understanding EMV
Переглядів 342Рік тому
06-EMV Issuing_Card Hardware and Software - Understanding EMV
05-EMV Intro - Understanding EMV - An Introduction EMV.
Переглядів 840Рік тому
05-EMV Intro - Understanding EMV - An Introduction EMV.
01-Intro - Understanding EMV - An Introduction to the training series. (v2)
Переглядів 687Рік тому
01-Intro - Understanding EMV - An Introduction to the training series. (v2)
04-Acquiring Terminology and Basics - Understanding EMV
Переглядів 3482 роки тому
04-Acquiring Terminology and Basics - Understanding EMV
03-IssuingTerminology and Basics - Understanding EMV
Переглядів 3742 роки тому
03-IssuingTerminology and Basics - Understanding EMV
02-General Terminology and Basics - Understanding EMV
Переглядів 4782 роки тому
02-General Terminology and Basics - Understanding EMV
Very rare content from your experience, much appreciated sir
Percuma😮
Percuma😮
Thank you for the video. In what EMV book specification i can find more information about DDA and CDA. Where can I found the last version of the Book. Thank you.
Sir , please prepare a video for ISO 8583 message type
It was brief about EMV
your voice and subtitles are mismatched somewhere. Also candidate list creation step omitted from processing step. Please correct these & edit / update video. TIA!
Good evening sir I have one question about ISO 8583 and EMV. Which Bitmap will identify the transaction happened through POS terminal or ATM? Plz reply to your answer
processing code
I have a clarification question. What key is used by the terminal to encrypt the offline enciphered PIN? Also, if symmetric cryptography is used for this process, how does the card know the key used by the terminal? Thank you in advance!
Thank you for these amazing contents. This playlist contains the best EMV-related materials I've found on UA-cam so far.
Awesome tutorial!
Thank you sir, this is the best concept for Card action analysis
Awesome emv tag .. Thank you
Thank you sir.i am waiting for next video for ISO 8583 message type.
Thank you sir for providing us such an amazing video for EMV . Sir could you provide us the doc for EMV if possible?
Awesome EMV content
One more thing, can you give us a practice with real card, how to select AID, read records, PIN verification (plain text, enciphered) ..etc
Hey brother. Please explain a bit more what you mean by this? Do you mean a quiz or a test of some sort?
Thank you so much for all the unique content you are sharing. I would be very interested to go deeper in the actual algorithm of the arqc and why not to try to calculate an arqc step by step! :)
It's a pleasure. Lol, that is some next level training that I don't have right now. Generally when issuing cards, we use the applications/applets supplied by the schemes which takes care of the cryptogram generation without us having to test it. I have made a note of your comment and if I ever get time after I finish this training series, maybe I will do it (no promises, lol). I can see how that could be fun!!! :-)
Hello Mr Bilal, thank you for this effort, can give us a practical on test card, how to select AID, read records, SDA/DDA/CDA, PIN verification (plaintext/enciphering), generate 1st gen, 2nd gen .. etc. please.
Hi Mr Bilal, thank you so much for the information, can you please share the link for this slide
hey bro, I don't have the slides available for distribution yet. I will convert them to pdf's at some point and watermark them for legal purposes before I make them available. But only after I have completed uploading the videos for this series.
Thank you for this video.. awesome
Can do you a video on the 2nd GENERATE AC please? It would be very helpful
My apologies for the delay. My laptop broke and I have only just managed to take it in for repairs. I will resume the videos once it is fixed. The 2nd Gen AC component will be discussed in the next video or 2.
@@bilalnorath Thanks you for the response ! Hope you'll get your laptop back soon
Youir wish is my command! :-) Video on 2nd Gen AC was uploaded last night.
@@bilalnorath Saved me !
Hello,I liked your course.It's quite well and helps me a lot. May I know when will you release the rest part of videos?Thanks so much.
My apologies for the delay. My laptop broke and I have only just managed to take it in for repairs. I will resume the videos once it is fixed.
I have resumed uploading videos. Enjoy!
Al Salam alikom Mr Bilal, thank you for efforts, that is very useful.
When will the next part released ?
My apologies for the delay. My laptop broke and I have only just managed to take it in for repairs. I will resume the videos once it is fixed.
Can't wait till next part
No need to wait anymore! :-) I just uploaded 2 more videos last night. More to come over the next few weeks (fingers crossed)
Amazing videos, I'm learning a lot of stuff and really thank you. Also please upload more or these payment systems content, ios 8583, switch system etc. Thank you and thank you
Hi there. Thank you so much for the positive feedback. I really do appreciate it and it definitely motivates me to continue uploading new videos. I am glad that you are finding them useful. I do have some ISO8583 content coming up round about video 28, so hopefully it will be of some use. Please just bear with me as the series is taking me longer than expected as a result of a combination of factors (laptop problems, loadshedding etc). Take care!
@@bilalnorath no worries. I'll be patient with you. Thank you so much bro.
Such an amazing video.. thank you Could you please make some videos for ISO 8583 and sync how EMV works ISO 8583 message system. Thank you
Mr Bilal am really thank you for your tutor about EMV. Sir, i'm working as Jr card issuance solution officer at commercial bank of ethiopia(CBE) and i wana to know more and more about creating EMV profles and job setups for that profile on card printing machine Sir how can i contact you through email..? I need your help.
Hi there. Apologies for the late response. Please note that I do these videos on a part time basis and I am currently struggling to make the time to create and post these. I may not have sufficient time to assist you with your issues, especially if I need to do research to understand your issues. I am skeptical about posting my email address here, but you are welcome to connect with me on LinkedIn (www.linkedin.com/in/bilal-norath-99015919) and I will PM you my email details there.
Can a credit card be cloned
Hey John. A Chip Card cannot be cloned unless the fraudster somehow has access to all of the secret keys and crypto elements that are used to protect the card. The chip card readers available in the market can only view the parameters stored on the card, but have no way to access the PIN and crypto elements stored securely on the card's Secure Element. I haven't had the chance to upload more videos in a long while but I hope to recommence with this soon. The later videos where we look at what goes onto the card, and how transactions are performed, will provide additional clarity around this. If we are talking about Magstripe Cards, then yes, these can definitely be cloned and the implementation of EMV was as a direct response to the ease of which magstripe cards may be cloned.