Tag Archives: EMV

Contactless payments become the “norm” in transit

The convenience of simply waving a bank card to enter the transit network is one of the main reasons why open-loop payments become so popular in major cities in the world. But it is not the only reason. What are the benefits and the challenges faced by transit authorities? Is it worth the investment? 

Benefits

The implementation of tap & go in the transit sector simplifies not only daily commuters’ journey, but also foreign visitors’ traveling experience. Travelers do not have to carry many cards or have the exact amount in cash for a ride, or waste time in queues to buy a ticket. Instead they benefit from increased punctuality, flexibility and fluidity at peak times. 

Transition from paper-based tickets to digital and contactless ticketing solution is also attractive to transport operators. Contactless fare collection systems reduce operational costs, open the door to new customers on the network, minimize fraud attempts and improve transport services quality. 

How it works

Open-loop payment infrastructure is based on EMV® contactless technology, offering contactless payment in transitpassengers the ability to tap their cards as in any retail store, or use their transit cards, smartphone or other contactless payment capable form factors alike at automatic gates. 

The first challenge for cities is to offer a convenient and discontinued public transport service, easy to use, fast and reliable. It must support a large number of passengers boarding at the same time and embed particular features such as :

  • ODA (Offline Data Authentication) – using fast Dynamic Data Authentication allow the terminal to rapidly identify the card as being unaltered and accepted for travel
  • Deferred authorization – transit merchants have the ability to send authorizations online at deferred time (at the end of the travel period)
  • Fare calculation – travel fare is calculated at the back office system according the taps of a card accumulated over the travel period.  

The main critical issue is to authenticate a card in milliseconds, to avoid any slowdown in the flow, to minimize fraud, and then be able to adequately charge the amount for the trip done. The major payment schemes have released best practices and specific requirements for contactless payments in the transit sector, that transport authorities and their technology partners must follow to securely and compliantly implement open-loop systems.

Security challenges

It is crucial for transport authorities to keep travelers’ data protected from fraud at all times during their trips on the transport network, starting at the point of entry, the contactless readers, up till the acquirer system where the transaction is completed.

Therefore enhancing security layers with PCI Standard Security requirements allow transit operators to ensure cardholder data is kept safe during the whole transaction process on their network, and add security barriers to fight fraud.

Moreover, transit merchants must rely on a robust and secure back office to safely and seamlessly store data, process transactions, track terminal issues, remotely maintain and update each terminal on the network.

One single payment technology partner for all your needs

Alcinéo has been working with stakeholders operating in the transit sector for more than a decade, supporting companies involved in the development of smart ticketing solutions at the gates or turnstiles, unattended payment kiosks and terminals, parking meters or next generation validators.

We help them to overcome the hurdles during the design, development and through certification process of their products with EMV, contactless payment schemes and PCI, and provide a bespoke support after the deployment. Our complete suite of contactless kernels has been designed to comply with the transit speed threshold and security constraints and have already been implemented into terminals operating in many transit systems worldwide.

The modular approach of our PCI PTS logical package allows them to build the most innovative solutions while complying with the latest PCI security requirements to securely process and store sensitive data.

Additionally, our Terminal Management System solution allows our customers to seamlessly manage their terminal fleet easily and remotely : remote control of terminals, real-time monitoring, firmware or application update capability, among other modular functionalities.

Do not hesitate to contact us to have more information on our dedicated solutions for contactless payments in transit, at : info@alcineo.com, or contact your Alcinéo representative.

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.  

 

Specification bulletin EMV® contactless Book C2

The organization in charge of global EMV® technology and chip card payment interoperability, EMVCo, has released a new specification bulletin for EMV Contactless Book C2, referring to Mastercard contactless kernel MCL. 

The new bulletin SB 203 describes modifications and clarifications brought to Book C-2 v 2.6. 

Starting January 1st 2019, kernels developed according EMV specifications Book C2 must integrate these changes. 

To obtain further details on this specification bulletin, you can refer to EMVCo 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

TRUSTECH – Cannes – 28-30 Nov

Alcinéo will attend Trustech.

The show gathers experts of the worldwide payment sphere. As a trusted EMV software solution maker Alcinéo will present the secure software suite that will suit your needs.

Contact us at info@alcineo.com to arrange a meeting.

Meet us on our booth C008 at Lerins level to share our vision of payments.

For more information about the show, visit the website : Trustech-event 

 

EMV transactions at automated fuel dispensers

The challenges of securing electronic payments at automated fuel dispensers.

Whereas data security is at the center of concerns in all sectors, electronic transactions at automated fuel dispensers are still exposed to skimming and fraudALX payment terminal for automated fuel dispensersulent attacks.

Alcinéo partnered with ALX Technologies to design a fully integrated payment terminal, dedicated to gas pumps. The white paper describes best practices to implement EMV technology at the pump and mitigate the risk of data theft.

 

 Read the paper here.

Visit ALX Technologies website

Press Release – Alcinéo’s full set of trusted solutions

Alcinéo wil exhibit its full range of trusted payment solutions at Trustech, from November 29th, to December 1st, in Cannes. Our complete suite of products and solutions are gathered around one core of payment, hence providing best-in-class solutions at POS systems. 

Get more details in our latest press release, here

And feel free to ask us more information at : info@alcineo.com