Comprehensive analysis on the security mechanism of EMV2000 payment protocol indicates that there is still some frangibility in EMV2000 payment systems. Based on EMV2000 transaction flow, improvement advice to enhance the security of EMV transaction protocol is put forward. The authentication information that the terminal sends to the card, the issuer sends to the terminal and the issuer sends to the card is enhanced. Then, a rigorous formal verification of the improved protocol is presented.
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