Tag Archives: contactless

EMVCo Bulletin 205 – operational issues

Terminal Type Approval bulletin 205, 3rd edition is available on EMVCo website. It describes operational issues raised by POS manufacturers or laboratories on Level 2 contact test cases version 4.3g or contactless test plan version 2.6b.

The document describes the nature of each issue and the resolution for laboratories and POS providers to mitigate the impact of these tests on TA results.  

For more information on EMV and payment schemes’ updates, do not hesitate to contact your Alcinéo representative at : info@alcineo.com.  

 

JCB updates its requirements program for approval processes

The Japan-based payment scheme JCB has issued an update of its requirement program for Contactless IC terminal approval tests. The new version of the document has been released on the 1st of August.   

It describes the submission processes for initial and renewal approval of compliant EMV payment terminal with JCB specifications. The main changes in the document are related to clarifications on the renewal process. 

Renewal testing requirements

The purpose of renewal testing is to demonstrate that the contactless kernel inside an approved payment terminal still meets sufficient conformance with the current specifications. 

JCB reviews the ICS of the embedded kernel and decides if renewal testing process is needed. If it considers that the product shows sufficient compliance then an extension of approval is granted for 3 years. Otherwise the device must undergo a series of tests to prove compliance with the current test plans. 

The renewal testing session shall be scheduled at the same laboratory that performed initial testing of the product. The set of renewal tests is performed using the same sample device as initial type approval, provided that the device stored at the laboratory is still functional. 

Terminal providers shall send the renewal request within 6 months prior to the end of the approval validity period, and shall ensure that the device has at least a valid EMV Contactless L1 LoA (if it is contactless only capable). 

How to ensure the renewal of terminal approval

It is crucial for POS providers to perform internally the appropriate testing campaigns prior to submitting the device to renewal process. 

Alcinéo has all the the tools identical to those used in laboratories, in order to perform the required testing campaigns in-house for our customers. Either for initial TTA or renewal testing, our team of highly-qualified ISTQB testers can perform tests cases related to EMV contact and contactless kernels, and the full suite of contactless kernels (including but not limited to : MCL, PayWave, ExpressPay, DPAS, Interac, JCB, CUP).

Revision of PayWave kernel ICS

Visa has released an updated version of Paywave kernel ICS.

The Device Questionnaire must be filled and submitted to Visa prior to Type Approval testing of a contactless reader supporting PayWave. 

The changes on this document are minor :

  • Update of the list of testing laboratories
  • Clarification of the Terms and Conditions 

To obtain the current ICS, connect to Visa Technology Partner website, or contact your Alcinéo representative.  

Keep up-to-date : here’s EMV® latest version

Version 2.7 of EMV® contactless payments specifications is now available on EMVCo website.  You will find on the website the version 2.7 of Book A, Book B, and Books C-2 to C-7. 

In the meantime, 2 documents have been revoked from the specification documentation : 

Book D Communication Protocol was replaced with the Contactless Interface specification – defining the communication rules between a contactless card and a contactless reader or terminal. 

Book C1 has been removed from the list of EMV contactless kernels.

The purpose of EMVCo is to provide interoperable and common rules for EMV contactless implementation in a POS system. It allows terminal manufacturers to build and maintain their products developed with the latest requirements. 

Moreover, in accordance with the EMV contactless Interface Specification v3.0 released in February, the latest version 2.6b of test cases, test bench and DTE requirements must be applied during the device testing process. 

POS providers must ensure that their device testing environment is compliant with the latest requirements

Additionally, EMV Contact Terminal Type Approval version 4.3a will soon expire to the benefit of the new version 4.3c. Starting July 1stEMV contact terminals submitted to EMV L1 type approval, shall comply with the 4.3c version.  

Feel free to contact Alcinéo to have more information on our software solutions for payment and security.

Our product offering extends with PURE contactless kernel

Alcinéo has developed the PURE contactless kernel in order to provide a complete suite of payment solutions for varied markets

PURE contactless  kernel has been developed in addition to the range of contactless applications already available in our product portfolio. We deliver to our customers the largest choice in terms of contactless kernels from international payment schemes  (MCL, PayWave, Expresspay, DPas, UnionPay…) or fast expanding regional and proprietary payment schemes (EftPOS, Girocard, Total…).

Why supporting PURE is crucial for POS manufacturers :

The technology has already been adopted by more than 30 domestic schemes globally, representing 120 millions of cards in circulation.  (source : Gemalto.com)

PURE is widely supported in closed-loop payment systems and by many national payment schemes worldwide, offering the opportunity for all stakeholders to provide interoperable payment solutions in all business sectors (e.g. lunch vouchers, transit fare collection, gas stations…). 

Alcinéo helps you build innovative and secure payment solutions

The white label payment issued by Gemalto is fully compliant with EMV requirements. Alcinéo has developed the kernel application according the PURE specifications for contactless readers. The solution is ready to be certified, internally validated against the appropriate test plans. 

Alcinéo has a long-term experience in developing state-of-the-art payment solutions, easily adapting to market requirements. We support integrators and POS manufacturers at all stages of their device lifecycle :

  • advice on hardware design
  • kernel implementation
  • certification process
  • integration with payment application and acquiring networks
  • deployment and maintenance on the field 

We offer a complete range of services according particular device environment : transit system, ATM, gas stations, mobile POS, kiosk…

If you require further information on the PURE application or our Trusted Payment Solutions, feel free to contact us at : info@alcineo.com

Adopt a new consumer experience

When the smart#phone becomes a smart#terminal

Consumers have widely adopted contactless payments in their daily shopping experience. They may feel frustrated when the option is not available in-store and even at small or itinerant merchants.

Contactless payment on smartphoneThe mobile solution developed by Alcinéo allows merchants of all size to simply accept contactless payments, using their smartphone or tablet, without any add-on. Small businesses can benefit from all the features of a POS, hence improving cardholders’ experience, and growing the volume of purchase for their business.

MCL (Mastercard) and PayWave (Visa) microkernels are located into the Trusted Execution Environment (TEE) provided by Trustonic, in the secure OS of the mobile device. The contactless transaction is processed with the same level of security as when paying at a contactless capable POS, and cardholder’s sensitive account data is protected.

If you are interested and want to learn more about the solution, come and visit us at Trustech, held in Cannes, November 28-30.

We’ll be happy to meet you at our booth – LER C 008.

Logo Trustech

Contact us for more information : info@alcineo.com

Interac : updated terminal specifications v1.5b

Updates on contactless functionalities

Interac, the Canada-based payment network has released the latest version 1.5b of the “Dual interface reader/terminal specifications for Interac Direct Payment and NFC based transactions”.

The document sets requirements to guide vendors and developers wishing to implement the IDP specifications for contact and contactless transactions at POS systems and ATM (for contact).

Additional functionalities are described in the contactless specification part, defining the process for contactless transactions between a terminal and a mobile device supporting Interac application.

The main changes refer to the mobile payment requirements, such as a “Mobile Passcode” CVM type, or the retained cardholder data functionality, or the limit of contactless taps parameter.

These updated functionalities allow merchants to accept easily contactless payment at their POS systems, using the Interac contactless application, whether their customers hold a credit card, or a smartphone.

Other international payment schemes also set a range of functionalities to allow contactless payments using multi-form factors which drives further adoption and usage of the tap&go move, such as dual interface cards, smartphones, or other form factors like rings and wristbands.

Visit Interac website to discover Interac products, offers and services.

Feel free to contact your Alcinéo representative to obtain further information on our Interac contactless kernel, and on the range of software solutions and services for payment terminal security and interoperability.

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Upcoming event : Trustech

Contact us at info@alcineo.com to arrange a meeting during the 3 days event in Cannes, November 28 – 30

 

TEE solution for mobile payments showcased at Money 20/20

Money 20/20 Europe, taking place in Copenhagen, June 26-28, is a “catalyst for the growth and development of the payments and financial services ecosystem”.

Money 20/20 is a key event for stakeholders who wish to participate in the evolving payment landscape. Alcinéo and Trustonic take an active part in this evolution by collaborating on a TEE solution, dedicated to secure mobile payments.

Alcinéo’s contactless kernels, embedded into the Trusted Executed Environment from Trustonic, offer a high level of security during contactless transactions on a smartphone or a tablet, hence providing a reliable alternative to traditional POS system. 

Come and try this disruptive payment innovation dedicated to mobile payments on Trustonic booth : H18

Feel free to contact us and require more details : info@alcineo.com.