Collis/B2 EMV & Contactless Offering

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1 Collis/B2 EMV & Contactless Offering USA Migration Bruce Murray, B2PS Itai Sela, B2PS January 2012 Ensuring Trust in Technology 1

2 Overview Introduction to EMV and Contactless in the USA B2 Training Programs B2 Workshops Collis Test Tools for Acquirers and Merchants Collis Test Tools for Issuers and Personalization Bureaus Consulting and Support B2 Payment Transaction Engine (PTxE) B2 Test Card Suite 2

3 Introduction Visa has introduced an EMV liability shift Acquirers and sub-processors ready by April /2015 for POS only, excluding ATMs All other brands/schemes have not introduced any dates USA has many of these (including debit) What will be the impact of EMV on the debit schemes that don t have an EMV or Contactless product (similar to the issue with Flash in Canada)? 3

4 Introduction The liability shift only refers to EMV (contactless is only referred to as part of the waiver for PCI annual audits). Will these two technologies be implemented together? How will the US deal with the major knowledge gap of not only EMV but also the various Contactless products. Are there enough resources available to help? How will the addition of EMV and Contactless effect the testing and certification processes that exist today? How and where does PCI fit into all of this.. 4

5 Introduction Migration is a journey Assisting in the process Training Documentation (EMV/Contactless Guides, Implementation Guides and Test Plans) Test Planning Support Tools Tools Support Testing & Certification Documentation Training & elearning 5

6 B2 Training Programs EMV and Contactless Executive Training (1 day) EMV and Contactless Expert Training (3 days) Issuer Training (1 day) Acquirer Training (1 day) PINPad Integration Training (1 or 2 days) Additional Trainings: TSM, Call Center Training B2 Virtual Academy (e-learning) standard or customized training sessions 6

7 B2 Workshops EMV & Contactless Accelerated Workshops (suitable for Issuers, Acquirers, processors, merchants and personalization bureaus). Card Profile Definition Workshop 7

8 Training best practices The person is actively involved in an EMV/Contactless project. There is sufficient soak time between training sessions. Usually a minimum of 3 months is sufficient. Course is applicable to their needs. For example a manager probably shouldn t attend the Expert training. Class size should be between 10 and 20 people. 8

9 Collis Test & Certification Tools Acquirers and Merchants 9

10 Collis Acquirer Product Matrix 10

11 Contact - SmartLink Box Two main operation modes: Tracing and Performance mode Card Simulator mode Level 1 certification (Protocol Level) Collis SmartLink Probe Collis SmartLink Box 11

12 Contactless - SmartWave Box Contactless means: Working with RF Frequency: MHz Speeds: ~106, ~212, ~424 and ~847 kbps Supported cards ISO Type A ISO Type B ISO NFCIP-1 Collis SmartWave Box 12

13 Core Components Hardware Smart Link Box, SmartWave Box Software Conclusion Runtime Card Spy Card Simulator Brand Test Tools Network Host Simulator Reporting Engine (license free) Test Case Automation Graphical User Interface 13

14 Card Spy - Contact 14

15 Card Spy - Contactless 15

16 Card Spy - User Interface 16

17 Card Spy - Features Contact and contactless cards are supported Analyzer (Contact and Contactless) Shows the application protocol bytes that are exchanged, including (control) bytes for the T=0 and T=1 protocol, clock changes and supply voltage events Detailed interpretation of data between the card and terminal Performance measurement (Automated) 17

18 Card Simulator - Contact 18

19 Card Simulator - Contactless 19

20 Card Simulator - User Interface 20

21 Card Simulator - Features True Card Simulation Collis Card Simulator acts exactly like a real card Including processing of application logic for contact and contactless All EMV functionalities & capabilities of physical EMV cards are simulated & supported 21

22 Card Simulator - Supported Suites Visa EMV ADVT 4.0, 5.0, 5.1, 6.01 & CDET Visa Contactless qvsdc 1.0, 1.1, 1.2 & CDET MasterCard EMV Subset 1, 3, 5, 8M, Interop, M-TIP, Maestro-UK MasterCard Contactless Subset 6, 7M, 8M Amex AEIPS for North America and EMEA Interac suites: Acquirer, Terminal Cert, Flash Interop JCB TPI also available (certification pending) Discover (certification pending) 22

23 Brand Test Tool (Contact & CTLS) 23

24 Brand Test Tool - User Interface 24

25 Brand Test Tools - Features Card Scheme Certification Tool Visa ADVT, qvsdc MasterCard TIP/MTIP, PayPass Link TIP/M-TIP Excel Test Plans Analyze MAS TRE logs Import and Export Projects Amex AEIPS Interac Acquirer, Terminal Cert, Flash Test Case Validation (Pass or Fail) 25

26 Collis Merchant Test Suite The all in one test suite for merchants, acquirers, processors and terminal vendors. Collis Brand Test Tool (includes all US payment brands) Collis Card Simulator Collis Card Spy Magstripe Test cards License dongle, cables and boxes (SWB and SLB) 1 year support, maintenance and upgrades via MyCollis 26

27 Collis Test & Certification Tools Issuers and Personalization Bureaus 27

28 Collis Issuer Product Matrix 28

29 Collis EMV PVT Payment ID Management Mobile Issuing Issuers use Collis Test Tools to check personalization of their cards and perform quality assurance of cards and issuing network Acquiring Transaction processing Certification Collis EMV Personalization Validation Tools Collis EMV PVT Collis EMV PVT Online Collis EMV PVT Server Edition Collis EMV PVT for Instant Issuance Collis EMV PVT for Production Collis EMV PVT for Inline Testing Collis EMV PVT for Input File Testing Collis Card Image Editor Assists with passing mandatory card personalization regulations from payment associations. The following modules are available: CPV module for MasterCard Visa Validation module JCB Validation American Express Validation module Collis Utilities & Cryptography module Domestic modules, e.g. Cartes Bancaires, FISC, SPAN, Interac Flash Validated by Confirmed by Qualified by Public Transport Hardware 29

30 Collis EMV PVT 30

31 Collis EMV PVT 31

32 Collis EMV PVT 32

33 Collis EMV PVT 33

34 Collis EMV PVT 34

35 Collis EMV PVT Server Edition 35

36 Collis EMV PVT for Instant Issuance 36

37 Collis EMV PVT for Production 37

38 Collis EMV PVT for Inline Testing 38

39 Collis EMV PVT for Input File Testing 39

40 Collis Card Image Editor Payment Issuing Issuers use Collis Test Tools to check personalization of their cards and perform quality assurance of cards and issuing network Collis EMV Personalization Validation Tools... Collis Card Image Editor Comprehensive software to edit EMV contact card data. Includes the functionalities Editor, Wizard, Navigator and File Map Editor. Acquiring ID Management Transaction processing Mobile Certification Public Transport Hardware 40

41 Collis Card Image Editor 41

42 Collis Card Image Editor 42

43 Collis Card Image Editor 43

44 Collis Release Management Automated installation (old versions are not removed) 3 or 4 releases per year (Include new functionality, updates, etc.) Customized versions to target specific customer needs New releases can be downloaded from MyCollis website 44

45 Consulting & Support General EMV & Contactless Consulting Support Packages Migration Support for Issuers, Acquirers, Processors, Merchants and Perso Bureaus Formal Approval Services for MasterCard (FAS) for Issuers and Acquirers USA Test Center 45

46 B2 Payment Transaction Engine (PTxE) 46

47 B2 Payment Transaction Engine (PTxE) Provides a common interface to MSD/Chip/Contactless capable PINPads independent of the PINPad vendor's API Enables management of EMV/Contactless transaction flows and PINPads: Card swipe, card insert, card tap. Fallback to contact if tap fails - fallback to mag stripe if contact fails. Card read retry logic 47

48 B2 Payment Transaction Engine (PTxE) Track2 validation against PAN and Expiry Date tags. Supports partial and full EMV transactions. Indicator for successful PIN entry and/or for signature required. Support offline approvals by card at 1GAC & 2GAC. Support Merchant Stand-in approval process. Support card association best practices for chip technology failures at 2GAC. Transaction tracing for development and field problem resolution. Last PIN try logic and prompting. 48

49 B2 Payment Transaction Engine (PTxE) EMV reversal indicator (EMV card, card removal, PINPad not available). Card removal logic. PINPad prompting for cardholder entry, errors, etc. Tag handling for transactions, receipt and journaling. Receive, parse, validate and store EMV and PINPad parameters from Shva and store in a PINPad neutral structure. Support unique PINPad initialization processes. 49

50 B2 Payment Transaction Engine (PTxE) The following PINPads are supported: VeriFone PINPads using the XPI Interface (Vx810, Mx Series, Vx700, SC5000) Ingenico PINPads using CPX & Vega (i3070, ipp300, ML30) Ingenico PINPads using the UIA & Vega (i6780) Host Interfaces Global North Chase Paymentech First Data pending 50

51 B2 Test Card Sets Chip card set Visa English, French, Spanish, PIN/No PIN, CAD/USA/MEX MasterCard English, French, Spanish, PIN, CAD/USA/MEX Interac English, French, PIN, No SDA, CAD Amex Pending Amex approval Contactless Q Fallback MSR Cards Combo Reader Fallback Test Cards 51

52 Contact details Toronto, ON Canada Toll Free: Visit 52

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