AS 2805.4-1985

1 - AS 2805.4-1985 ELECTRONIC FUNDS TRANSFER-REQUIREMENTS FOR INTERFACES - MESSAGE AUTHENTICATION
4 - PREFACE
4 - CONTENTS
5 - FOREWORD
6 - SPECIFICATION
6 - 1 SCOPE.
6 - 2 REFERENCED DOCUMENTS.
6 - 3 DEFINITIONS.
6 - 3.1 Algorithm
6 - 3.2 Authentication
6 - 3.3 Authentication algorithm
6 - 3.4 Authentication element
6 - 3.5 Cipher text
6 - 3.6 Clear text
6 - 3.7 Data Encryption Algorithm (DEA)
6 - 3.8 Decryption
6 - 3.9 Encryption
6 - 3.10 Financi al message
6 - 3.11 Key
6 - 3.12 Message Authentication Block (MAB)
6 - 3.13 Message Authentication Code (MAC)
6 - 3.14 Modulo 2 addition
6 - 3.15 Parity
6 - 3.16 Parity bit
6 - 3.17 Receiver
6 - 3.18 Sender
6 - 4 USE OF AUTHENTICATION METHOD.
6 - 5 AUTHENTICATION PROCESS.
6 - 5.1 Appl ication.
6 - 5.2 Entire message.
6 - 5.3 Data representation.
7 - 5.4 Cryptographic keys.
7 - 5.5 MAC generation.
7 - 5.6 Pl acement of MAC.

Specifies requirements to protect EFT messages from both accidental and deliberate alteration and from the introduction of fraudulent messages. An authentication method is prescribed whereby the sender generates a Message Authentication Code (MAC) and attaches it to every message.

This standard specifies a method for authenticating card-originated electronic messages relating to financial transactions.NOTE: The identity of the sending party is implicitly validated by proper use of this standard. Further, this standard provides a method for protection against accidental or deliberate alteration of messages between sending and receiving parties.This standard does not provide for -(a) the use of encryption for the protection of messages against unauthorized disclosure; or (b) protection against message loss or duplication.

Draft Revision see DR 00086 (in part)