Final answer:
The PCI PIN Transaction Security (PTS) program prevents manipulation or attacks on payment terminals, safeguarding sensitive data and clear-text PINs.
Step-by-step explanation:
The program referred to in the question is the PCI PIN Transaction Security (PTS) program. This initiative aims to protect payment terminals from being compromised, specifically to prevent the unlawful capture of sensitive authentication data, including personal identification numbers (PINs). To enhance security, the program sets rigorous requirements that prevent access to clear-text PINs or cryptographic keys during the transaction process. By adhering to these standards, merchants and financial institutions can help ensure the integrity of the payment ecosystem and protect against fraudulent activities.
The program that ensures terminals cannot be manipulated or attacked to allow the capture of Sensitive Authentication data or access to clear-text PINs or Keys is Point-to-Point Encryption (P2PE).P2PE is a security standard that encrypts the data at the point of interaction between the terminal and the card reader, making it unreadable to unauthorized parties. It protects sensitive data during transmission and storage, reducing the risk of data breaches and fraud.By using P2PE, sensitive authentication data is encrypted and protected, preventing its capture or unauthorized access. This ensures the security and integrity of sensitive information in payment transactions.