Secure memory in payment systems



Security is always foremost in everyone’s mind in the electronic payments industry. Data encryption techniques and secure memory structure play a large role in payment system security. This month we have an interesting article on these topics for you: “Secure Memory Structures in Payments”, by Jan Bilek, EFTlab’s CTO. The article discusses EFTlab's data encryption practices and secure memory structure in EFTlab’s BP-Tools and BP-Sim product suites to maximize payment system security.

Good reading!


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  • New article: Secure Memory Structures in Payments, by EFTlab CTO, Jan Bilek. This two-part article discusses some of EFTlab’s best internal practices for data encryption, including secure data padding, and how secure memory is allocated/deallocated in EFTlab products to optimize payment system security:

    Secure memory in payment systems >>

  • BP-Switch Update: Over the last month the team have been focused on thorough functional and usability testing of the software, identifying and resolving 90 defects. As a result of this work, the system is simpler to configure and more reliable than ever before. This has also been a great opportunity for the team to put together some complex testing scenarios and see the new "health" system gracefully handle and recover from failures.

    Learn more about BP-Switch >>

  • BP-Sim 15.09 release highlights:

    • BP-HSM: SafeNet command buffer size limit introduced (4096b) to follow SafeNet Luna mk.II specification
    • BP-HSM: FIX: SafeNet not responding when data following connection init instantly
    • BP-HSM: Added SafeNet command EE0619 support
    • BP-Sim: Added option to include/exclude MTI for DUKPT & ZKA MAC calculation
    • BP-SeeEMV: BP-Switch JSON message parser fix & improvements

    Learn more about BP-Sim >>

  • BP-Tools 15.09 release highlights:

    • BP-CCALC: Added padding methods options for EMV ARCQ generation
    • BP-CCALC: Added MasterCard Now & Pay Later to supported PIN-blocks
    • BP-CCALC: Added EFTlab's secure padding scheme
    • BP-CCALC: Added Input radio button for Base64 encoding allowing selection between ASCII & Hexadecimal input
    • BP-CCALC: FIX: Session Keys for Secure messaging having invalid KCV
    • BP-CCALC: FIX: AS2805 keys generator causes segmentation fault
    • BP-CCALC: Input PAN printed when selecting 'Europay/MasterCard Pay Now & Pay Later' PIN block format for Secure Messaging
    • BP-HCmd: Added SafeNet command EE0619 support
    • BP-HCmd: SafeNet command buffer size limit introduced (4096b)
    • BP-HCmd: Command console is now printing both - request and response trace
    • BP-HCmd: Added HSM command response timeout setting to the Option screen
    • BP-HCmd: Added support for multiple HSM configurations
    • BP-HCmd: Added SSL support HSM connections

    Learn more about BP-Tools >>

Coming Next Month

  • VISA & MC tokenisation for BP-Tools

  • BP‑Switch delivery story


BP-Tools is a set of freeware applications for EFT testing, benchmarking and transaction service development.

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The Babylon Payments Simulator (BP-Sim) is a family of highly efficient regression and stress testing tools, designed for deployment in development and pre-production environments. BP-Sim allows users to perform an extensive range of tests across the chain of payment services.

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The Babylon Payments Processing Suite(BP-Processing) is a suite of EFTlab's products for realtime payment transaction processing and authorisation.

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