Sharing responsibilities and way forward in Functional Cards Standardisation
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1 Sharing responsibilities and way forward in Functional Cards Standardisation Topic 8 for discussion 25 th COGEPS Ugo Bechis EPC - Cards Working Group Chair Cards Stakeholders Group Co-Chair Bruxelles, 10 - October 20
2 EPC - SEPA Card Standards: Actors - rationale SEPA Cards Standardisation structured via EPC: SCF : Principles and rules CSG: Volume BoR : Requirements for Standards Standards Bodies : International Standards & Technical Specifications Specification Providers : Technical Implementation Specifications Vendors : Implementation Application Solutions EPC standardisation rationale 1) Consistency between SCF principles, Volume requirements, Technical Specifications 2) SEPA Standards consistent with International Standards Bodies Tech Specifications 3) Common standards on Interoperability and Security on end-to-end transaction 4) Competitive degrees of freedom on Application solutions, Volume BoR compliant 3
3 SEPA Card Standards: Ecosystem EPC & CSG International Bodies Market Initiatives Principles - Rules Standards Implementation Spec.s Requirements & Solution Providers CAS EPC CWG: SCF TC68/SC2 (Security standardisation) ISO IEC/JTC1/SC27 (IT security) ISO TC68/SC 7 CIR - SEPA Fast CCD EPC: Resolutions CPA POI CSG: Volume BoR PTS EPAS 4
4 SEPA Functional Cards Standards: Rationale Functional Requirements rationale: Competitive degrees of freedom on Functional solutions, with a Single Set of Security standards and ensured Interoperability Consistency between SCF & Volume Requirements, chapters 1-4 Volume Requirements based on International Standards Bodies Spec.s Standards to ensure Interoperability on end-to-end transaction Competitive degrees of freedom on Application solutions and Implementation Specificaions, with one Single Security & Interoperability 5
5 Card Standards Self-Regulation: Overview EPC Requirements + International Security Standard Bodies EPC Security Requirements EPC SEPA Cards Standardisation Volume (notably chapter 5) Domain AUTHENTICATION CARD - PAYER TERMINA L E- SERVER DATA BASES ACCEPTO ACQUIRER R - TO (PSP ACQUIRER PAYEE) ACQUIRE R TO ISSUER ISSUE R - (PSP PAYER ) Standard Bodies (*) & Initiatives on cards domains OTHERS PROPRIETARY Detailed Application Specification Physical cards: EMV + CAS Ecom & remote: CVx2 Virtual Cards... Mobile: EPC Mobile Contactless Payment SC. PTS + CAS/ OSEC DSS DSS ISO20022: EPAS DSS ISO20022: ATICA (Card Messages) & Berlin Group (SDD Messages for card processing) DSS 3DSecure Wallets PayPal Telcos Internet players + (to be) others Security & Functional Security Only 6
6 Cards Volume BoR v5.5 - Chapters 1-4 Functional Volume BoR - Chapter 1-4: highlights Cancellations - Refunds Pre-authorisation services Deferred payments ATM Cash withdrawals Chip, Magstripe, Manual entry, Contact-less, Mobile, Virtual cards Attended, Unattended, Unattended without PIN Remote environments (Electronic Commerce, MO/TO) 7
7 Card Volume BoR, chapters 1-4: developments Volume developments in 20 Functional developments: 1. Payment with aggregated amounts 2. DCC 3. Surcharging 4. Cash Back 5. Others (e.g. deferred authorisations) Outstanding topics from previous consultations: 1. Application Selection 2. Card Payment Basic Services / mandatory requirements for compliance, labelling and/or for certification 8
8 Volume referrals to International Standards Bodies ISO Currency Codes ISO Identification cards - Physical Characteristics ISO78 - Identification cards - Recording Technique ISO Identification cards - Identification of Issuers (IIN, BIN, PAN) ISO Identification cards - Financial Transaction Cards ISO Identification cards - Integrated Circuit Cards ISO Identification cards - Contactless Integrated Circuit Cards ISO/IEC Magnetic stripe data content ISO Financial transaction card originated messages - Interchange Message Specifications ISO Financial Services - Universal Financial Industry Message Scheme ICC - Integrated Circuit Card EMV - (Originally) Europay MasterCard Visa - Payment Card Industry DSS - Data Storage Security CIR / SEPA Fast (Common Implementation Recommendations / SEPA Financial Application Specification for SCF Compliant EMV Terminals) CAS - Common Approval Scheme CCD - Common Core Definitions CPA - Common Payment Application PTS - PIN Transaction Security EPAS (Electronic Protocol Application Software) CAPE - Card Payment Exchanges (ISO20022), EPAS Acquirer and TMS protocols CCPAY - Card Clearing Payment Messages (ISO20022 change request) ATICA - Acquirer to Issuer Card Messages CCA - Common Contactless Application IFX - Interactive Financial exchange CEN/XFS - Extensions for Financial Services 9
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