EMV Defined. Presentation materials and video replay will be provided within one week.
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1 Presentation materials and video replay will be provided within one week. Have questions? Use the questions panel we ll field them as we go and during the Q&A recap at the end of the call. EMV Defined 2015 Harland Clarke Corp. All rights reserved. Proprietary / Confiden0al
2 Today s Speaker Greg Kuyava, Senior Product Manager, Card Services Experienced speaker on a variety of Card Services topics, including: Crea0ng an efficient, cost- effec0ve program Marke0ng and brand awareness Instant card issuance Obtaining primary financial status with cardholders Enhancing cardholder engagement 2
3 Agenda EMV A Card Overview EMV Trends in the Market The EMV Card Road to EMV Q&A 3
4 4 EMV Overview
5 What is EMV? The acronym comes from the ini0als of Europay, MasterCard and Visa, the payment networks that originally developed the specifica0ons. EMV creates a stable basis for investment in chip- based dynamic data payments across mul0ple form factors (contact cards, contactless devices, and mobile devices). EMV is the globally interoperable standard specifica0on governing transac0ons between chip cards and terminals in the payments industry. Enables product- level innova0on across the payment ecosystem without compromising interoperability. 5 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
6 What is EMV? Upgrading to EMV will potenbally deliver: Fraud reduc0on Reduced opera0onal costs Improved risk management Increased card usage A wide range of value- added opportuni0es Cardholder verificabon features: S0ll supports tradi0onal methods CVM Issuer can define mul0ple CVM s in the cards and define the condi0ons under which the CVM must be applied Offline PIN (plaintext or enciphered) 6 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
7 Impact of EMV EMV migrabon affects all parbes involved in payment transacbon processing InternaBonal and DomesBc Networks CMS TSM Front End Server Front End Server Perso ATM 7 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
8 8 EMV Key Market InformaBon
9 Consumer Data Breaches 2 billion 708 breaches as of 12/3/14 26% higher than the same period in 2013 (562 breaches) accounts compromised in Source: Iden0ty Theb Resource Center 708 breaches as of 12/3/14
10 Liability ShiW Dates EMV Liability Shib Announcement Launch of Vista Tech Program VTP (aka EMV) EMV Liability Shib: Cards aligned on date Debit/Credit ATM Liability Shib Automated Fuel Dispensers liability shib for EMV transac0ons EMV Liability Shib Announcement Merchant Acquiring Processors: POS align on EMV compliant date EMV Liability Shib: Cards aligned on date Debit/Credit Liability shib Signature to PIN CVM ATM Liability Shib Automated Fuel Dispensers liability shib for EMV transac0ons Processors Support Amex EMV transac0on. Merchants eligible for relief from PCI Data Security Standard (DSS) Processors & merchants must be EMV cer0fied & support network data in contact & contactless EMV chip card transac0ons Fraud Liability Shib (FLS) policy (on issued cards) October 2015, there is a card issuance liability shib Automated Fuel Dispensers liability shib for EMV transac0ons Automa0c Fuels Dispensers liability shib for EMV transac0ons 10 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
11 October 2015 EMV Liability ShiW EMV has proven to reduce card fraud in markets it s been introduced Windows closing for hackers to profit from ahacks on bricks and mortar merchants Larger retailers will be/are more prepared Smaller vendors are much slower to adopt the new security 60% of merchants will be ready for the shib EMV Migra)on Forum 2015 The market is expecbng a RISE in criminal acbvity in the coming months before the more secure payments are implemented. 11
12 Poll QuesBon #1 Please indicate when you will have EMV cards distributed to your card holders: 1. Currently in the market or by the October liability shib 2. 4 to 6 months 3. 7 months or longer 4. Undecided 12
13 13 EMV Card Structure
14 The EMV Card 14 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
15 EMV Card Types These cards are inserted into a reader. The communica0on happens through the chip s contact plate. *Eight contact chip only Card can func0on in dual modes, communica0ng both contact and contactless by means of an antenna (using RFID to communicate). 15 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
16 How Similar Is a Smart Card to a Computer? Hardware PC from HP, Dell, Apple, Chip from ST, Samsung, NXP, Infineon, OperaBng System MS DOS, Windows, Mountain Lion Na0ve, JAVA, Multos ApplicaBon Excel, Safari, Word, Lotus Notes, Outlook Visa VIS 1.5, PIV, M/Chip Advance, AEIPS, 16 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
17 OperaBng System Technologies NATIVE NaBve OperaBng System Technology The opera0ng system is locked in the ROM Unique personaliza0on script Mul0- applica0on possible Produc0on lead 0me Compe00ve cost OPEN Open Placorm Technologies (Java GP, Multos) The opera0ng system is shared between locked in ROM and EEPROM Interoperability Time- to- Market More open personaliza0on setup Coast- Java Sta0c versions 17 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
18 ApplicaBons and AID ApplicaBons: the payments networks card and terminal specifica0ons defines the requirements fro the sobware in the card and how the terminal will employ the EMV tool kit Visa VIS MasterCard MChip AID (ApplicaBon IdenBfier): A data label that differen0ates payment systems and products. The issuer uses the AID to iden0fy an applica0on on the card or terminal. Cards and terminals use AIDs to iden0fy which applica0ons are mutually supported (must be mutually supported to ini0ated a transac0on Cards and terminals will support mul0ple AIDS 18
19 The Security of an EMV TransacBon Why are EMV credit/debit card and EMV payments transacbons secure? Card Authoriza0on method used to determine the card is not counterfeit protects against counterfeit cards in card- present transac0ons Cardholder Verifica0on (CVM) validates the person presen0ng the card is the valid cardholder protects against lost or stolen cards Online PIN Offline PIN Signature No CVM Merchants decides which CVMs they support Issuers set priori6zed list of methods on the chip for verifica6on Transac0onal Authoriza0on/Authoriza0on Controls Offline risk parameters Card acts on the issuers behalf at the point of transac0on 19 Copyright 2015 Confiden0al. All marks are the property of their respec0ve owners.
20 Poll QuesBon #2 What is your Financial Ins0tu0on's preferred Cardholder Verifica0on Method: 1. Signature only 2. Online PIN 3. Offline PIN 20
21 21 EMV Card MigraBon Project
22 The Road to EMV Has Many Twists and Turns 22
23 Chip Complete Simplifies Your Journey Assemble EMV team Define internal communica0on strategy Payment Card Brands registra0on Select from preapproved profiles (credit and debit) Chip Confirma0on Assign Project Manager Lock down personaliza0on profile Finalize EMV Migra0on strategy Confirm end- to- end readiness through implementa0on checklist Consider card and carrier design Align Communica0on Strategy Launch approved program & card issuance Execute external communica0on plan Payment Card Brands cer0ficate requests Card Configura0on & Payment Card Brands / UAT tes0ng Cards printed, ordered, fulfilled and inventoried Perform field test 23
24 Managing the Key Partners Card Manufacturer Chip Opera0ng System AID/Applica0on Card Issuer Chip Opera0ng System AID/Applica0on Profiles Card EFT Processor AID/Applica0on Profiles Card EFT Processor Card Manufacturer Card Issuer 24
25 Managing the Key Partners Manufacturer PersonalizaBon EFT Processor Chip X X Opera0ng System X X AID/Applica0ons X X X Profiles X X CVM X X 25
26 When to Migrate to EMV Reasons for waibng Cost increase to card program Availability of internal resources Availability of POS EMV- operable machines Timing of implementa0on bohleneck The cost of waibng Fraud finds the weakest points Added risk to card portolio Market presence and consumer awareness 26
27 27 EMV Cardholder CommunicaBon and EducaBon
28 Why is EMV Consumer EducaBon and CommunicaBon CriBcal? Create a posi0ve customer experience Demonstrate the financial ins0tu0on s commitment to customer security and convenience Increase card ac0va0on and usage Reduce ahri0on caused by confusion and/or frustra0on with new EMV card Minimize impact to financial ins0tu0on s internal resources Turnkey deployment of mul0faceted communica0on campaign Comprehensive contact center services to manage increased consumer demand 28
29 EMV MigraBon Recommended Best PracBces Cardholder experience is cribcal to a successful transibon to EMV The elements of the cardholder experience focus on three key communica0on phases of EMV card issuance via a mul0channel deployment including direct mail, contact center and digital. Communica0on prior to issuance Educa0on at 0me of issuance Ongoing con0nual educa0on 29
30 Q&A Wrap Up Type your quesbon in the quesbons panel Greg Kuyava Senior Product Manager, Card Services PresentaBon materials and video replay will be provided within one week. Visit for this and previous events. linkedin.com/company/harland- Clarke 30
31 Thank you
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