![]() ![]() Most readers have two or three transaction types available to the user under a variety of names. A button is then pressed to select the transaction type. The user first inserts their smartcard into the CAP reader and enables it by entering the PIN. The CAP specification supports several authentication methods. Banks hope that the system will reduce the risk of unsuspecting customers entering their details into fraudulent websites after reading so-called phishing emails. CAP is a form of two-factor authentication as both a smartcard and a valid PIN must be present for a transaction to succeed. 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. 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). It was also adopted by Visa as Dynamic Passcode Authentication (DPA). 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. A Gemalto EZIO CAP device with Barclays PINsentry styling ![]()
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