april - debit emv forum
TRANSCRIPT
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EMV Chip Card Forum
Chole CasberTMG Product Manager
April 2015
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Agenda
• Industry Update
• Common and Global AIDs Explained
• Project Overview
• Plastics Update
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EMV Forum DownloadAnaheim, CA – March 9-12
– BOA Debit Plans/Current Status• Debit EMV issuance in October 2014• Natural reissuance + lost/stolen accounts, no mass reissue to meet liability shift• Less than 1% of transactions are EMV, 99% of those are signature
– Merchant Adoption• 60% not ready by liability shift• Only over half of merchants ready by end of 2016
– Delay in US Common AID– Costs in infrastructure to support debit EMV– Contactless not currently available that is Durbin compliant– Challenges in not having contactless debit EMV available.
» Not palatable for merchant adoption.
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Debit AIDs Explained– Application Identifier (AID)• Global• US
– AID Selection at POS• Terminal reads for AID
availability• Choice made by the terminal
automatically to select an AID based on priority as indicated by the issuer’s CVM
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AcquirerBIN Merchant PriorityX XX XX XX X
5
CVM: PIN/NO CVM
Transaction Complete
AIDGlobal US
1. Terminal identifies if card is international or domestic.
2. Terminal selects appropriate AID – opens application
3. CVM: Secure Handshake Between Card & Terminal. Terminal receives BIN info from app & creates ARQC.
4. ARQC and BIN Info sent to acquirer. Routing selected
5. Transaction routed to appropriate network
6. Network facilitates A-V-A & generates ARPC
7. ARPC sent to Terminal- transaction complete
BIN Routing
Routing
Network Authentication (ARQC) Verification (CVM) Authorization ($)
ARPC Terminal1
2
3
4
5
6
7
AID
Application
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Project Overview
• Every project is unique• 6-12 Months
• Debit EMV prep process• TMG is ready with EMV
Implementation detail request is
completedProject Controller conducts scoping analysis
Scope and addendum are
combined/created
Updated scope and addendum sent to CBE for execution by the client
Project is Scheduled
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Plastics Update• Order submission process
• Front and back artworks submitted in .EPS format
• Industry standard procurement timelines• 12-20 Weeks
• Vendor relationship acquisitions• Instant issuance likely not available until early 2016