E M V I M P L E M E N TAT I O N T O O L S F O R S U C C E S S, P C I & S E C U R I T Y. February 2014

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1 E M V I M P L E M E N TAT I O N T O O L S F O R S U C C E S S, P C I & S E C U R I T Y February 2014

2 A G E N D A EMV Overview EMV Industry Announcements EMV Transaction Differences, What to Expect Solution Decisions VeriFone EMV Solutions Market Certification Considerations In-Field Maintenance Requirements PCI Implications VeriShield Questions 2

3 W H AT A R E T H E E M V F U N D A M E N TA L S? What is EMV? Global Standard for the implementation of chip cards for the purpose of facilitating an electronic payment transaction Born out of transit payment programs based in Europe An effective technology to protect against duplicate card fraud EMV is not Chip and PIN PIN as a cardholder validation method is only one implementation option of EMV A Silver Bullet for PCI Compliance PAN data is still presented in the clear and valuable for card not present transactions Cure All for Chargebacks The programs put in place will help with duplicate card fraud chargebacks, but will not impact others How does EMV Protect against Duplicate Card Fraud? 1) If an EMV Card is presented at an EMV Terminal, the terminal forces it to be inserted. 2) Once card is inserted, PAN and Dynamic CVV are presented to be used in the authorization request. 3) This Dynamic CVV (changes for each transaction) is validated against what is expected at the host. Result -> PAN is static yet data changes on each transaction! 3

4 I N T E R A C M A R C H 5, A N N O U N C E M E N T Interac debit card fraud skimming losses plummet to lowest level on record. Losses down 73 per cent in last three years Interac Association reported today that Interac debit card fraud losses, as a result of skimming, are the lowest on record since 2003 decreasing to $38.5 million in 2012 from a high of $142 million in This represents per cent of domestic Interac debit card volume and the lowest volume of fraud losses since data were recorded in Further, the number of cardholders reimbursed fell to 93,800 in 2012 from 238,000 in Cardholders are protected from losses under the Interac Zero Liability Policy*. 4

5 5 U S K E Y D AT E S C A R D N E T W O R K S

6 W H O I S E M V C O? EMVCo manages, maintains and enhances the EMV Integrated Circuit Card Specifications for chip-based payment cards and acceptance devices, including point of sale (POS) terminals and ATMs. EMVCo also establishes and administers testing and approval processes to evaluate compliance with the EMV Specifications. EMVCo is currently owned by American Express, JCB, MasterCard and Visa R O L E O F E M V C O Owns, manages, and maintains the global payment industry specifications to define interoperability requirements between chip based payment cards and acceptance terminals Administers the testing and approval process for both chip payment cards and chip acceptance terminals EMVCo is not responsible for specific card brand certifications EMVCo maintains specifications for both contact and contactless payment schemes EMV Contactless specification published to define a common contactless interface to be used by the card brands Currently each card brand uses its own proprietary application MasterCard M/Chip, Visa qvsdc Applications are similar, both follow EMVCo standards 6

7 C A N A D I A N E M V L E A R N I N G S 1. Industry Adoption How was EMV adopted in the Canadian Market? 2. Customer Impacts As a card holder, what can you expect with EMV? 3. Solution Time to Market Payment solutions have new requirements, challenges, how will this impact the number of choices going forward? 4. Training and Support Merchants are self trained now, how did this change? 5. Card Requirement Changes How did new card products change the landscape? 7

8 W H AT A B O U T C O N TA C T L E S S? How does EMV Contactless differ from EMV Contact? D I F F E R E N C E S E M V C O N TA C T Cards are inserted into the chip card (ICC) reader and remain until the transaction is completed Different from what consumers are accustomed to today Data is read from and written to the chip during a transaction so the card is updated each time it is used Transactions will likely be processed online in the U.S. but offline transaction processing is possible E M V C O N TA C T L E S S Contactless cards must be placed in close proximity to the contactless reader (typically ½ to 3 inches and remain only momentarily Transaction is completed after the card has been removed from the contactless field Dual interface cards access the same chip for processing via contact or contactless read Contactless card usage is typically used for transaction speed and convenience 8

9 W H AT A B O U T N F C? NFC and EMV Contactless are not synonymous E M V C O N TA C T L E S S V S. N F C Both use short range wireless technology allowing communication between devices at close proximity Contactless is typically a one-way transaction between a passive device (contactless card) and an intelligent reader (contactless capable POS device) NFC-enabled transactions involve twoway communications whereby an NFC capable device (such as a smartphone) exchanges data with an NFC enabled POS device NFC Shares a core technology with RFID tags and contactless smartcards, but there are differences Multiple ISO standards govern NFC cards ISO/IEC is a group of four standards covering card type variations Type A and Type B Reader / Writer mode governed by ISO/IEC standard ISO/IEC Near Field Communications Interface and Protocol Peer-to-Peer mode governed by ISO/IEC standard 9

10 U. S. T R A N S A C T I O N V I E W T O D AY & F U T U R E Mag-stripe Validation Host Processing Fraud/ Velocity Check Open to Buy Check MAG-STRIPE DELIVERY Card Swipe Clerk Data Entry/ Amt. Other Send to Host Response From Host Approval/ Decline Message Receipt Printing Application Selection Offline Data Auth. Terminal Processing Processing Restrictions Cardholder Verification CVM) Terminal Risk Management Terminal Analysis/ Decision Card Validation Host Processing Fraud/Velocity Check Open to Buy Check EMV CONTACT Clerk Data Entry/ Amt. Other Card Insert Terminal Verification Results (TVR) Send to Host Response From Host Approval/ Decline Message Receipt Printing Remove Card Card Processing Host Processing Terminal Verification Results (TVR) Terminal Analysis/ Decision Card Validation Fraud/Velocity Check Open to Buy Check EMV CONTACTLESS Clerk Data Entry/ Amt. Other Card Tap Send to Host Response From Host Approval/ Decline Message Receipt (may not be required) 10

11 T R A N S A C T I O N T I M E S C O M PA R I S O N DIAL Card Swipe Clerk UI (Amount) Transmit/Receive Pre-Dial Connect Print Receipt DIAL WITH EMV Clerk UI/Entry of Data (Amount) Dial Transmit/Receive Insert Card Connect Print Receipt 11

12 P R O D U C T D E C I S I O N S F O R T H E U. S. Stand Alone Devices Customer total amount verification, EMV card insertion, and Contactless tap Speed of transaction Hand over, external pin pad (with Contact/Contactless/Mag-stripe Delivery support) Integrated Customer facing, Communication options, USB, RS232, IP Register software changes to drive the device differently (Amount first, no walk up and swipe) Semi-Integrated Light cash register integration (SCI-Secure Commerce Interface) Direct to host for processing, removing register knowledge of EMV or transaction data 12

13 E M V C A P A B L E D E V I C E S V X & V X E V O L U T I O N S O L U T I O N S Countertop series V x 570 VX 520 V x 610 V x 670 Portable series VX 520 VX 680 Consumer Facing series V x 810 VX 820 VX

14 14 O R A D D P P S E T O A V X O R V X D E V I C E

15 E M V C A PA B L E D E V I C E S M X S E R I E S S O L U T I O N S MX 800 series MX 900 series MX 850 MX 860 Consumer Facing series MX 915 MX 870 MX 880 MX

16 M A R K E T S O L U T I O N C E R T I F I C AT I O N C H A N G E S Certification Criteria Level 1, Level 2 Certifications Brand testing, individual tests vary by scheme Each brand has their own specification (based on EMVCo) Contact and Contactless testing require specialized tools Tools updated frequently to provide necessary scheme simulation Results of New Criteria Certification will take more time to accomplish at the acquirer levels Ongoing certification work must be maintained for solutions Ongoing investment is required to keep up to date on tools and certification process Specialized training will be required to accomplish this new solutions delivery 16

17 F I E L D U P G R A D E S, H O W E M V I S D I F F E R E N T Today Devices are deployed, and in some cases, not touched for years Merchants are reluctant to be reprogrammed, to give time for the activity Infrastructure (dial lines,..etc) not setup to handle large downloads Tomorrow, EMV Challenges (Contact and Contactless) EMV components, kernels for contact and contactless can and will change New cards issued with new functionalities happen, require downloads to accept the card Interoperability will be impacted if devices are not kept up to speed Contactless software components, EMV and for NFC initiatives, will require updates and changes to remain field-ready for new cards 17

18 F I E L D U P G R A D E S, R E Q U I R E M E N T S Merchant Device Support Need for more frequent download will require more merchant interaction, either in a manual or automated manner Devices will need to phone home to check for updates at a defined frequency Updates can, and should be, delivered to the POS in an automated manner to ease this new market requirement VeriFone Estate Management Solutions VFI can provide end to end solutions for management of these software components, along with other application requirements Solutions can be delivered as host it yourself, or through VFI Managed Services Allowing for management of your own portfolios, maintenance of your portfolios, and real time dashboards of your status VeriCentre & VHQ look and feel can be provided to ease adoption 18

19 P C I C O M P L I A N C E

20 P C I D ATA S E C U R I T Y S TA N D A R D S O V E R V I E W The PCI Security Standards Council offers comprehensive standards and supporting materials to enhance payment card data security PCI DSS (Data Security Standards) Covers a broad base of technologies and processes such as encryption, access control, and vulnerability scanning to offer a sound baseline of security PCI PIN Transaction Security (PTS) A single set of requirements for all personal identification number (PIN) terminals, including POS devices, encrypting PIN pads and unattended payment terminals 20

21 P C I P T S C O M P L I A N C E Why is PCI PTS Compliance important? 21

22 P C I P T S C O M P L I A N C E PCI Security Standards Council (SSC) analyzes changes in the threat environment, which typically occurs every three years Pre-PCI attended POS PIN entry devices must be retired by December 31, 2014 PCI PTS Version 1.x devices will expire on April 30, 2014 Acquirers purchasing devices that are on the list of devices that will expire will assume liability 22

23 S U N S E T O F P C I P T S 1. X P I N E N T R Y D E V I C E S Updated Visa PIN Entry requirements for PCI PTS 1.x devices allow PCI 1.3 devices to be deployed and used after April 30th as long as they were purchased from the manufacturer prior to the expiration date 23

24 P C I C O M P L I A N C E E D U C AT I O N VeriFone Proactively Educating our Partners and Customers on PCI Compliance Bulletins/Flyers Webinars Industry Events 24

25 25 W O R L D W I D E P C I P T S T I M E L I N E

26 P C I R E S O U R C E S Visa PIN Entry Device Requirements & FAQ: pdf PCI DSS v3.0 PCI DSS Summary of Changes v2.0 to v3.0 ary_of_changes.pdf Glossary of Terms, Abbreviations, and Acronyms v3.pdf 26

27 V E R I S H I E L D TO TA L P R O T E C T

28 VERISHIELD TOTAL PROTECT VeriShield Total Protect removes the burden of protecting payment card data from the merchant using multiple defense layers: Encryption and Tokenization ENCRYPTION Delivers encryption in a way that is transparent to the merchant s receiving systems with low disruption / minimal POS system impact Protect card data from the point of capture to point of decryption TOKENIZATION Store tokens rather than card data using random-number tokenization after authorization Reduce PCI scope Minimize risk Protect sensitive data Monitor all systems in real time at the device level 28

29 COMBINING ENCRYPTION AND TOKENIZATION 1 Payment card data is read at the merchant s payment device. 2 Primary Account Number (PAN) and other discretionary data are encrypted. 3 Data is decrypted by decryption service and a token is generated by the RSA server. 4 Payment information is passed to the bank for authorization. 7 Merchant can safely store the token and re-use for post-authorization activities such as returns. 6 Transaction authorization and token are returned to the merchant. 5 Transaction authorization is given to the processor. 29

30 30 V E R I S H I E L D RETA I N

31 VERISHIELD RETAIN BUSINESS PROTECTION Prevents unauthorized access to payment devices Accommodate trusted partners and their value-added applications File authentication software that helps you retain your merchant estate, keep competitors at bay and protect your business interests. PROVIDES THE HIGHEST SECURITY System-level password protection File authentication to protect merchants against fraud or misuse EASY TO IMPLEMENT AND CAN BE ADDED TO EXISTING ESTATE VeriShield Retain AUTHORIZED CERTIFICATE IMPROVES MERCHANT RETENTION ACCOMMODATES AUTHORIZED 3 RD PARTY DEVELOPERS UNAUTHORIZED CERTIFICATE 31

32 S P O N S O R C E R T I F I C AT E F LY E R D E TA I L S VX Evolution meets the highest security standards. Application certificates, like keys are one of the pieces in this solution, which is used to sign (or lock) applications to be authenticated in order to run. Application certificates have multiple benefits to the ISO and processor. Retention VX allows ISOs to lock their terminal base. Merchants will have to contact the ISO in order to move to a different merchant services relationship. Superior Security VX devices cannot be re-downloaded when sponsor certifications are used. No rogue software can be downloaded. Nothing is more secure. To provide the best support and to know if your applications will work properly in an existing merchant s device review the following steps: Identify what certificate is used in the application to be downloaded. You can check your download files if you have your own VeriCentre, or ask your service provider if you use someone else for this. Check the merchant s device before you download. Newer versions of the operating system display the certificate owner when you power cycle the device. Error messages may present when the authentication fails due to the device already having a different application certificate compared to what certificates are included in the new application attempting to download. This secure approach allows processors and ISOs to have their own specific application certificate. In essence, all of the devices are locked. It is just a matter of whether they are locked with a VeriFone certificate or a customer-specific certificate. 32

33 M O R E I N F O R M AT I O N To learn more about EMV and VeriFone s hardware, software, training and support solutions that can smooth the EMV migration process, please go to and 33

34 Q U E S T I O N S

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