DIGITAL CREDIT for EMV QR Credit Card Apps

Transcription

1 Digital Debit Group Official Document DIGITAL CREDIT for EMV QR Credit Card Apps Mobile SDK Specification Version 2.1 June Digital Debit Group U.S., Qondado LLC managing partner. All Rights Reserved. Any and all uses of the Digital Credit mobile application specification shall be permitted only pursuant to the terms and conditions of the licensing agreement between partners and the Digital Debit Group. Please visit

2 Table of Contents 1 INTRODUCTION Prerequisites Functionality Use Case Diagram Digital Debit Group SDK Partner App Guideline... 5 Digital Debit Group QR Consumer/Merchant Presented Specification v2.1 Page 2 of 6

3 1 INTRODUCTION The Digital Credit transaction panel specification supports the Digital Debit Group SDK license for partners building end-user financial applications to meet the EMV QRCPS specification standards. The SDK partnership delivers a full platform agnostic mobile application platform for Apple ios and Google Android devices for EMV QR app development Prerequisites This document is a third-party addendum to the EMV QR Code Specification for Payment Systems Consumer and Merchant Presented Mode. EMV is a registered trademark of EMVCo, LLC. QR Code is a registered trademark of DENSO WAVE. Digital Credit are registered trademarks of Qondado LLC. 2 Functionality Digital Credit is a mobile transaction component for new or existing mobile financial applications to add functionality for delivering EMV tokenized QR consumer presented transactions. Our SDK provides a working template for a dynamic QR app panel with fields to display the last 4 digits of a PAN (or Tokenized PAN) with a built-in CDCVM (Consumer Device Cardholder Verification Method) system for transaction security called Device PIN. Device PIN for EMV QR transactions are passed in a QR Code Payload to a POI for delivery to be authenticated by the authorisation manager of the transaction such as acquirers or issuers. Please refer to the related EMV QR specification for how to pass the Digital Debit Group SDK PIN CDCVM in the Application Specific Transparent Template ( 63 ) or the Common Data Transparent Template ( 64 ). 1 Partners are required to protect mobile app user entry by at least one of: Username and Password App access pin code Biometric authentication 1 EMV QR Code Specification for Payment Systems Consumer-Presented Mode - Version 0.14 Section 3, Page 14 Digital Debit Group QR Consumer/Merchant Presented Specification v2.1 Page 3 of 6

4 2.1 Use Case Diagrams Consumer Presented QR This diagram is an addendum for passing and processing the SDK CDCVM according to the EMV QR Code Specification for Payment Systems Consumer-Presented Mode version 0.41 specification, section 2.1, page 11. Merchant Presented QR This diagram is an addendum for passing and processing the SDK CDCVM according to the EMV QR Code Specification for Payment Systems Merchant-Presented Mode version 0.5 specification, section 4.1[2], page 13. Digital Debit Group QR Consumer/Merchant Presented Specification v2.1 Page 4 of 6

5 3 Digital Debit Group SDK Partner App Guideline (Consumer Presented Mode default App view) Card Network and Digital Credit registered trademarks. Financial institution or App maker can present branding with background art. Last 4 numbers of the EMV PAN or Tokenized PAN. Full PAN should be stored for POI presentment in the QR Code. SDK generated CDCVM. The CDCVM is saved to the SDK Device PIN server component for reference in authorization actions. SDK generated QR. Partners must add coding to include EMV QR payload data. SDK generated CDCVM is included in the QR at all times. Scan QR Reset Device PIN app button allow end-user to change the CDCVM for user level transaction security control. Scan QR button changes GUI from Consumer Presented Mode to Merchant Presented Mode. Digital Debit Group QR Consumer/Merchant Presented Specification v2.1 Page 5 of 6

6 (Merchant Presented Mode) Add QR scanner to SDK for Merchant Presented Mode processing. QR scanner must include a camera switch for front and back mobile camera access. Show QR Scan QR button changes GUI back to Consumer Presented Mode. When App is closed in Merchant Presented Mode, the App logic should always default to Consumer Presented Mode. Digital Debit Group QR Consumer/Merchant Presented Specification v2.1 Page 6 of 6