• Skip to primary navigation
  • Skip to main content
Cardspot

Cardspot

  • Home
  • About Us
  • Services
    • Brand Certification
    • Brand Consultancy
    • Observing Mandates
    • Issuer Consultancy
    • Acquirer Consultancy
    • Key Management
  • Blog
  • Contact Us
  • English
    • Hungarian

PKI Key Expiration

Gábor Gazsó · 2021.02.15.

EMVCo recommends 1408 bit Payment Scheme keys to expire by 31 December 2024. This recommendation is still active. EMVCo recommendation concerns the keys of the card brands and not the banks themselves. However, this expiration has an impact on the banks.

The issuer bank, using the issuer key, signs the keys on the card. The card brand, using the brand key, sign the key of the issuer bank. The EMVCo recommendation says that the key of the card brand should expire latest on 31 December 2024.

During EMV transactions, the terminal verifies the authenticity of the card using the brand key. When the brand key expires, the terminal can’t verify the authenticity of the card.

For banks, this practically means that if they issue their card with three years of the expiration date, they should change to the longer key before 31 December 2021.

This change incorporates signing the issuer key with a longer brand key and then replacing the issuer key and public key certificate in the card personalization. EVM doesn’t require the issuers to generate longer keys than they are currently using. The issuer key length should be analyzed case by case, considering the currently used keys, card brand requirements, and card personalization.

The end of the process is card certification. After modifying the key, the card brand may require card recertification depending on how this change amends the card’s personalisation.

About Gábor Gazsó

The author has more than 20 years of experience with bank card systems and smart card technology by working for issuers, acquirers and service providers.

Let us help you and get in touch with us. Contact Us

Copyright © 2023 · Cardspot Kft.

We collect cookies. Why? Accept
Manage consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
cookielawinfo-checkbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
SAVE & ACCEPT