The EMV Readiness. Collis America. Guy Berg President, Collis America

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1 The EMV Readiness Collis America Guy Berg President, Collis America

2 Collis Solutions & Markets Finance Consultancy Card Payments SEPA Financial Risk Mgmt Test Tools Telecom SIM/Handset NFC Billing e-documents Law & Order Public Admin Government Training Courses e-ticketing Road Pricing Tachograph Test Services Transport 2

3 3

4 EMV Readiness in the U.S. What is EMV Migration, What is Involved: Card Contactless EMV Contact EMV US Contactless Terminal Acquirer Issuer Host Full EMV and Partial EMV A New Look at US EMV Readiness 4

5 Card Eco System Authorization System Acquirer Transaction Processing EMV Contact EMV Contactless MSD Contactless Contact Contactless MCHIP, Card Configurations VSDC Visa paywave J Smart EMV Contactless EMV MasterCard PayPass MSD Contact Reader Support Contactless (ISO 14443) Contactless MSD Terminal Contact EMV VSDC, MCHIP 5

6 EMV Transaction Shift Adds Online Transaction Security Adds Offline Transaction Security Card Cloning Security Mag Chip Stripe Cards Cards The Transaction Transaction Acceptance Authorization Rules Rules Host System Risk Assessment 6

7 EMV Workflow Change Workflow Parameters Workflow Engine 7

8 Card Assessment Examples 8

9 EMV Data on the Chip 9 9

10 Contactless Card Types Contactless Magstripe card Contactless EMV card Antenna 10

11 Contactless Card Types Contactless Magstripe Cards Antenna Magstripe data placed on the chip On line authorization Dynamically created code Unpredictable # from terminal ATC (transaction counter) A secret Key from the card Replay attacks are countered by using this code in the authorisation message 11

12 Contactless Card Types Contactless EMV cards Antenna Risk management Decision making Offline counters Transactions can be offline or online Application Cryptogram No cardholder verification required for Small Value transactions 12

13 From the Terminal Perspective 13

14 POS Terminal Architecture.TXT.TXT.TXT.TXT Payment Application Other EMV Contactless Other EMV Scheme Level Certification EMV Kernel.EXE Contact Contactless EMV Level 2 Certification Operating System Hardware Interfaces Contact Reader Contactless Reader MSD EMV EMV Level 1 Certification 14

15 Contactless Readers ISO Level 1 Certification Contactless MSD Contactless EMV NFC Mobile 15

16 Application Changes for Full EMV Transaction Flow Configuration Data Crypto Functions Transaction Logging Authorization Protocol Data Capture Elements Ticket Printing Fallback Processing 16

17 Industry Terminal Status Most Terminal Vendors: Have multiple Contactless EMV certified terminals Can add Contactless readers to existing POS terminals and ECRs. Have EMV certified PIN Pads to integrate EMV support Contactless EMV application support can be downloaded to terminals 17

18 Issuer Host Perspective Issuer Host System 18

19 New Authorization Data FULL EMV EMV Transaction The Transaction Host System Transaction Acceptance Authorization Rules Rules ISO 8583 Message Risk Assessment Acquirer System HSM 19

20 New Authorisation Data Elements for EMV Application Interchange Profile Application Transaction Counter ARQC (Application Request Cryptogram) CVM Results (Card Validation Method) Issuer Application Data Terminal Capabilities Terminal Type TVR (Terminal Verification Results) Unpredictable Number 20

21 ISO 8583 Message (Auth Request) 21

22 ISO 8583 Field 55 EMV Data 22

23 EMV Authorization Response ARPC (Authorization Response Cryptogram) Issuer Scripts 23

24 Acquirer Situation 6 Consumer Standards Merchant Not as Standardized 5 2 Card Processor 3 Standards Switch Issuer 4 Acquirer Issuing bank Acquiring bank 24

25 Acquirer Ability to Support EMV? 25

26 International Retailers Need to implement EMV to support stores in other countries: Canada Europe South America Mexico Asia Pacific Middle East 26

27 Acquirer Support for Intl Retailers Acquirers need to support International Merchants FDMS Global Payments Chase Paymentech Moneris efunds/fidelity TSYS Most Acquirers support EMV transaction capture on at least one of their platforms. 27

28 EMV Not ALL or NOTHING EMV Implementation Flavors Full EMV Partial EMV 28

29 Full verses Partial EMV ARPC Acquirer System ARQC Partial Implementation Stops at the terminal ARQC SDA/DDA/CDA Authentication ARPC Full EMV Issuer Auth System 29

30 EMV Readiness A different perspective Contactless EMV Contactless Cards in US Terminal Vendors International Retailers Many Acquirers Partial EMV Implementation US contactless infrastructure can be leveraged for EMV Contactless Cards will be personalized to support contactless EMV in addition to Contactless MSD All have certified EMV Terminals Provide ability to add Contactless EMV support via PIN pads and terminal add ons. Need to support International locations Have implemented EMV support in at least one platform to support International retailers Can happen at the Card & Terminal level 30

31 The Payment Technology Evolution Contactless Cards EMV Contactless Cards or NFC Magstripe Debit Cards Magstripe Credit Cards --???-- Embossed Cards 31

32 Contact details Collis Global & EMEA Leiden, the Netherlands Call Visit Collis Asia Singapore Call Visit Collis France Paris, France Call Visit Collis Dubai Dubai, United Arab Emirates Call Visit Collis America St. Paul, MN, USA Call Visit 32

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