Posts Tagged ‘EMV Kernel’

Mobile EMV Kernel – Using a mobile phone as a payment terminal

June 11, 2012 at 10:30 am

Traditionally, GPRS-based mobile payment terminals which are used to accept debit or credit card payments (including both magnetic-stripe cards and EMV “Chip and PIN” cards) in the field, have been expensive, and bulky, which has hampered their acceptability to small merchants or those that operate mobile businesses. Mobile Credit Card Readers Now though, by taking […]

Migrating to EMV – Components Needed to Make Up an EMV Terminal

December 14, 2011 at 3:26 pm

For those looking to develop/migrate to EMV solutions, here’s an overview of the components that make up an EMV terminal. Feel free to leave a comment if you have any questions. EMV System Components A typical “EMV terminal” (which can be any EMV-capable device, including self-service kiosks, ATMs and retail PoS [points-of-sale]) consists of a […]

EMVCo Releases EMV 4.3 Specifications

December 2, 2011 at 12:52 pm

EMVCo have just released version 4.3 of the EMV specifications (EMV 4.3), which incorporates all the changes to the specifications that have been introduced by EMVCo Specification Update Bulletins since the previous version of the EMV Specifications (version 4.2b) that was published in June 2008. At the same time, an updated version of the “EMVCo […]

U.S. EMV Migration: Cardholder verification for American EMV terminals

November 10, 2011 at 4:23 pm

We’ve blogged previously (see EMV Cardholder  Verification Methods) about the different types of cardholder verification that are supported by the EMV specifications for credit/debit card transactions using smart cards. Prior to EMV migration in the United Kingdom, most transactions were verified by checking the cardholder’s signature, but the introduction of EMV allowed the chip on […]

EMV contact and contactless chip technology – America set for EMV liability shift

November 1, 2011 at 12:03 am

Many people in the payments industry were heartened by Visa’s announcement in August that they planned to accelerate EMV contact and contactless chip technology migration in the United States. EMV migration involves the replacement of magnetic-stripe credit/debit payment cards with EMV chip cards (referred to as “smart” cards) and also requires all Point-of-Sale card-acceptance devices […]

UK’s largest bus operator to offer contactless payments

September 6, 2011 at 12:00 pm

FirstGroup, the UK’s largest bus and rail operator, announced to invest £27m to fit contactless card readers to its 5,000 strong bus fleet in England, outside London by 2012. The company intends to be the first bus operator outside London to offer customers contactless payments and will affect 2.5 million daily customers.  The new ticket […]

EMV 4.2c Updates

November 4, 2010 at 10:57 am

From November 1st 2010, the new EMVCo 4.2c test cases have come into effect. These contain new and updated tests for all the EMV specification changes that have been introduced by EMVCo bulletins over the past year, covering the following topics: EMVCo Specification Bulletin 75 This bulletin clarifies how the terminal should populate the Application […]

EMV becoming global payment standard

October 18, 2010 at 9:47 am

EMVCo have released an interesting press release that details the number of EMV cards and terminals, and the extent of EMV migration, in each geographic region of the world. According to their figures there are now more than 1 billion EMV cards in circulation worldwide and almost two-thirds of all terminals outside the United States […]

Release of EMVCo Level 2 4.2b Spec.

February 9, 2010 at 4:36 pm

The much anticipated release of the latest EMV Level 2 test specification happened on the 5th February, and already CreditCall is working through the documents to identify changes that need to be made to its widely certified EMV software Kernel. In addition to the test case updates to validate the implementations of all the EMV […]

EMV Unattended Payments

February 2, 2010 at 11:03 am

Although much of the publicity surrounding EMV “Chip and PIN” migration has related to its use in retail outlets, another market sector that has benefitted from EMV migration is Unattended Payment Terminals (UPT). Unattended payments, where a customer uses an unsupervised terminal to pay for goods or services such as parking and vending machines or […]