Remote key loading was introduced to the ATM world at the beginning of this decade. Since then it has seen universal approval, but relatively slow adoption. Remote key enjoys wide acceptance because it is much more secure compared to traditional methods of distributing terminal master keys, as it removes the human element of handling keying material. It is also less expensive to use because with remote key loading there is no need to send two technicians or even one technician to the ATM to rekey it. Nevertheless, remote key loading is way short of being adopted on all ATM networks because it is not a simple plug and play technology. Remote key loading impacts multiple areas of the ATM network, including the ATM, the transport infrastructure, the driving host software platform, and the Host Security Module. Getting everything lined up for a smooth remote key implementation can take time.

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