This document provides an overview of identifiers [and their standards and register(s)] relevant for the design of blockchain systems and the interoperability of those systems with non-blockchain systems. The following criteria were used for inclusion of identifiers in this document: — Identifiers (and their standards and registers) issued by the public sector for subjects and objects such as citizen numbers, business registration numbers or land registration numbers; — Identifiers that are internationally recognized and fulfil one of the following criteria: — An identifier is an international standard of an SDO (Standard Development Organization); — An identifier is a de facto standard according to the norms of the industry involved (even if it is not an international standard of an SDO). — Identifiers that have relevance for DLT systems as it fulfils one of the following criteria: — An identifier that has been used without DLT, but has proven to solve the problems of DLT services using DLT; — An identifier that was designed with the usage of DLT in mind from the beginning.

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This specification shows the modifications made to version 3.40 of CWA 16926-11 in version 3.50.

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This document describes concepts and considerations on the use of trust anchors for systems leveraging blockchain and distributed ledger technologies (DLTs) for identity management, i.e. the mechanism by which one or more entities can create, be given, modify, use and revoke a set of identity attributes.

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This document describes the management of cryptographic keys in a blockchain, or distributed system used in the financial sector The objective of this document is to consider the impact of different types of key management processes that are required for PKI implementations in Blockchain and DLT projects

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This document provides fundamental terminology for blockchain and distributed ledger technologies.

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This document specifies the security framework for using biometrics for authentication of customers in financial services, focusing exclusively on retail payments. It introduces the most common types of biometric technologies and addresses issues concerning their application. This document also describes representative architectures for the implementation of biometric authentication and associated minimum control objectives. The following are within the scope of this document: — use of biometrics for the purpose of: — verification of a claimed identity; — identification of an individual; — biometric authentication threats, vulnerabilities and controls; — validation of credentials presented at enrolment to support authentication; — management of biometric information across its life cycle, comprising enrolment, transmission and storage, verification, identification and termination processes; — security requirements for hardware used in conjunction with biometric capture and biometric data processing; — biometric authentication architectures and associated security requirements. The following are not within the scope of this document: — detailed specifications for data collection, feature extraction and comparison of biometric data and the biometric decision-making process; — use of biometric technology for non-financial transaction applications, such as physical or logical system access control.

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This specification shows the modifications made to version 3.40 of CWA 16926-15 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-10 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-12 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-6 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-1 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-7 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-16 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-4 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-3 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-9 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-13 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-8 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-17 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-14 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-19 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-5 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-18 in version 3.50.

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This document describes the management of symmetric and asymmetric cryptographic keys that can be used to protect sensitive information in financial services related to retail payments. The document covers all aspects of retail financial services, including connections between a card-accepting device and an Acquirer, between an Acquirer and a card Issuer, and between an ICC and a card-accepting device. It covers all phases of the key life cycle, including the generation, distribution, utilization, archiving, replacement and destruction of the keying material. This document covers manual and automated management of keying material, and any combination thereof, used for retail financial services. It includes guidance and requirements related to key separation, substitution prevention, identification, synchronization, integrity, confidentiality and compromise, as well as logging and auditing of key management events. Requirements associated with hardware used to manage keys have also been included in this document.

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This specification describes the functionality of the services provided by the Depository (DEP) services under XFS, by defining the service-specific commands that can be issued, using the WFSGetInfo, WFSAsyncGetInfo, WFSExecute and WFSAsyncExecute functions.
A Depository is used for the acceptance and deposit of media into the device or terminal. There are two main types of depository: an envelope depository for the deposit of media in envelopes and a night safe depository for the deposit of bags containing bulk media.
An envelope depository accepts media, prints on the media and deposits the media into a holding container or bin. Some envelope depositories offer the capability to dispense an envelope to the customer at the start of a transaction. The customer takes this envelope, fills in the deposit media, possibly inscribes it and puts it into the deposit slot. The envelope is then accepted, printed and transported into a deposit container.
The envelope dispense mechanism may be part of the envelope depository device mechanism with the same entry/exit slot or it may be a separate mechanism with separate entry/exit slot.
Envelopes dispensed and not taken by the customer can be retracted back into the device. When the dispenser is a separate mechanism the envelope is retracted back into the dispenser container. When the dispenser is a common mechanism the envelope is retracted into the depository container.
A night safe depository normally only logs the deposit of a bag and does not print on the media.

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This document examines semantic enrichment to support the maintenance of the ISO 20022 conceptual model. It reports on existing and proposed practices to enrich a model: — in a repository, annotating repository concepts with metadata using semantic markup or constraints; — outside a repository, using references to repository concepts, such as the provenance of changes.

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This specification shows the modifications made to version 3.40 of CWA 16926-4 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-1 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-18 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-7 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-5 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-6 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-16 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-9 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-10 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-12 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-14 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-15 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-8 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-3 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-17 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-13 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-11 in version 3.50.

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This specification shows the modifications made to version 3.40 of CWA 16926-19 in version 3.50.

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The service classes are defined by their service-specific commands and the associated data structures, error codes, messages, etc. These commands are used to request functions that are specific to one or more classes of Service Providers, but not all of them, and therefore are not included in the common API for basic or administration functions.
When a service-specific command is common among two or more classes of Service Providers, the syntax of the command is as similar as possible across all services, since a major objective of XFS is to standardize function codes and structures for the broadest variety of services. For example, using the WFSExecute function, the commands to read data from various services are as similar as possible to each other in their syntax and data structures.
In general, the specific command set for a service class is defined as a superset of the specific capabilities likely to be provided by the developers of the services of that class; thus any particular device will normally support only a subset of the defined command set.
There are three cases in which a Service Provider may receive a service-specific command that it does not support:
The requested capability is defined for the class of Service Providers by the XFS specification, the particular vendor implementation of that service does not support it, and the unsupported capability is not considered to be fundamental to the service. In this case, the Service Provider returns a successful completion, but does no operation. An example would be a request from an application to turn on a control indicator on a passbook printer; the Service Provider recognizes the command, but since the passbook printer it is managing does not include that indicator, the Service Provider does no operation and returns a successful completion to the application.
The requested capability is defined for the class of Service Providers by the XFS specification, the particular vendor implementation of that service does not support it, and the unsupported capability is considered to be fundamental to the service. In this case, a WFS_ERR_UNSUPP_COMMAND error for Execute commands or WFS_ERR_UNSUPP_CATEGORY error for Info commands is returned to the calling application. An example would be a request from an application to a cash dispenser to retract items where the dispenser hardware does not have that capability; the Service Provider recognizes the command but, since the cash dispenser it is managing is unable to fulfil the request, returns this error.
The requested capability is not defined for the class of Service Providers by the XFS specification. In this case, a WFS_ERR_INVALID_COMMAND error for Execute commands or WFS_ERR_INVALID_CATEGORY error for Info commands is returned to the calling application.
This design allows implementation of applications that can be used with a range of services that provide differing subsets of the functionalities that are defined for their service class. Applications may use the WFSGetInfo and WFSAsyncGetInfo commands to inquire about the capabilities of the service they are about to use, and modify their behavior accordingly, or they may use functions and then deal with error returns to make decisions as to how to use the service.

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This specification describes the functionality of the services provided by the Sensors and Indicators Unit (SIU) services under WOSA/XFS, by defining the service-specific commands that can be issued, using the WFSGetInfo, WFSAsyncGetInfo, WFSExecute and WFSAsyncExecute functions.
This section describes the functions provided by a generic Sensors and Indicators Unit service. This service allows for the operation of the following categories of ports:
•   Door sensors, such as cabinet, safe or vandal shield doors.
•   Alarm sensors, such as tamper, seismic or heat sensors.
•   Generic sensors, such as proximity or ambient light sensors.
•   Key switch sensors, such as the ATM operator switch.
•   Lamp/sign indicators, such as fascia light or audio indicators.
Note that while the SIU device class provides some basic support for guidance lights, extended guidance light functionality is specified in the individual device class specifications.  Therefore it is recommended that device guidance lights be supported and controlled via the individual device classes.
•   Auxiliary indicators.
•   Enhanced Audio Controller, for use by the partially sighted.
In self-service devices, the sensors and indicators unit is capable of dealing with external sensors, such as door switches, locks, alarms and proximity sensors, as well as external indicators, such as turning on lamps or heating.

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This section describes the application program interface for personal identification number keypads (PIN pads) and other encryption/decryption devices. This description includes definitions of the service-specific commands that can be issued, using the WFSAsyncExecute, WFSExecute, WFSGetInfo and WFSAsyncGetInfo functions.
This section describes the general interface for the following functions:
•   Administration of encryption devices
•   Loading of encryption keys
•   Encryption / decryption
•   Entering Personal Identification Numbers (PINs)
•   PIN verification
•   PIN block generation (encrypted PIN)
•   Clear text data handling
•   Function key handling
•   PIN presentation to chipcard
•   Read and write safety critical Terminal Data from/to HSM
•   HSM and Chipcard Authentication
•   EMV 4.0 PIN blocks, EMV 4.0 public key loading, static and dynamic data verification
If the PIN pad device has local display capability, display handling should be handled using the Text Terminal Unit (TTU) interface.
The adoption of this specification does not imply the adoption of a specific security standard.
Important Notes:
•   This revision of this specification does not define all key management procedures; some key management is still vendor-specific.
•   Key space management is customer-specific, and is therefore handled by vendor-specific mechanisms.
•   Only numeric PIN pads are handled in this specification.
This specification also supports the Hardware Security Module (HSM), which is necessary for the German ZKA Electronic Purse transactions. Furthermore, the HSM stores terminal specific data.
This data will be compared against the message data fields (Sent and Received ISO8583 messages) prior to HSM-MAC generation/verification. HSM-MACs are generated/verified only if the message fields match the data stored.
Keys used for cryptographic HSM functions are stored separate from other keys. This must be considered when importing keys.
This version of PIN pad complies to the current ZKA specification 3.0. It supports loading and unloading against card account for both card types (Type 0 and Type 1) of the ZKA electronic purse. It also covers the necessary functionality for ‘Loading against other legal tender’.
Key values are passed to the API as binary hexadecimal values. When hex values are passed to the API within strings, the hex digits 0xA to 0xF can be represented by characters in the ranges ‘a’ to ‘f’ or ‘A’ to ‘F’.
The following commands and events were initially added to support the German ZKA standard, but may also be used for other national standards:
•   WFS_INF_PIN_HSM_TDATA
•   WFS_CMD_PIN_HSM_SET_TDATA
•   WFS_CMD_PIN_SECURE_MSG_SEND
•   WFS_CMD_PIN_SECURE_MSG_RECEIVE
•   WFS_CMD_PIN_GET_JOURNAL
•   WFS_SRVE_PIN_OPT_REQUIRED
•   WFS_CMD_PIN_HSM_INIT
•   WFS_SRVE_PIN_HSM_TDATA_CHANGED

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This specification describes the functionality of the services provided by the Card Dispenser (CRD) device class under XFS, by defining the service-specific commands that can be issued, using the WFSGetInfo, WFSAsyncGetInfo, WFSExecute and WFSAsyncExecute functions.
A Card Dispenser is used to dispense a single card to a consumer from one or more bins. Most card dispensers also have the ability to retain a card to a bin.

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This specification describes the functionality of the services provided by the Camera (CAM) services under XFS, by defining the service-specific commands that can be issued, using the WFSGetInfo, WFSAsyncGetInfo, WFSExecute and WFSAsyncExecute functions.
Banking camera systems usually consist of a recorder, a video mixer and one or more cameras. If there are several cameras, each camera focuses a special place within the self-service area (e.g. the room, the customer or the cash tray). By using the video mixer it can be decided, which of the cameras should take the next photo. Furthermore data can be given to be inserted in the photo (e.g. date, time or bank code).
If there is only one camera that can switch to take photos from different positions, it is presented by the Service Provider as a set of cameras, one for each of its possible positions.

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This CWA describes the functions provided by a generic identification card reader/writer service (IDC). These descriptions include definitions of the service-specific commands that can be issued, using the WFSAsyncExecute, WFSExecute, WFSGetInfo and WFSAsyncGetInfo functions.
This service allows for the operation of the following categories of units:
•   motor driven card reader/writer
•   pull through card reader (writing facilities only partially included)
•   dip reader
•   contactless chip card readers
•   permanent chip card readers (each chip is accessed through a unique logical service)

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