The EMV-migration provided NOMOS-BANK customers with access to a wider range of banking operations accessible through the Internet banking system (TranzWare e-Bank). The DPA/CAP technology allows to unambiguously identify the EMV cardholder and offer him/her the opportunity to perform banking operations via the Internet Bank (payments and transfers). Once the customer obtains a smart card and smart card-reader (crypto-calculator) from the Bank, he/she receives the opportunity to make payments for mobile phone, Internet, public utility services and many others from any Internet access point. The essence of the technology is that an EMV card issued by NOMOS-BANK contains an application for generating single use passwords every time a cardholder accesses the Internet Bank. To generate a password a cardholder has to enter his cardâs PIN code on the card-reader and use it in the authentication process when accessing the system and when confirming banking operations.