Tag Archives: EMV

Mastercard LoA validity

Mastercard has decided to extend the LoA validity for MCL approved products, to align with the validity period granted to contactless terminals certified with EMV® contactless Level 1 3.0 specification.

Products submitted to Mastercard contactless approval, with a Contactless Level 1 compliant with the 3.0 specification will now obtain a LoA with 4 years validity period. 

 

Join us at Trustech 2019

Alcinéo will be exhibiting in Cannes, during Trustech event, 26-28 November 2019Trustech logo J009

Join us to share visions of the upcoming challenges facing the digital payment transformation. 

Alcinéo is specialized in the development of EMV embedded software, integrating all type of payment terminals.

We also provide logical security modules, compliant with up-to-date PCI PTS requirements

Our extended range of logical payment and security solutions fit all targeted markets : transit, retail, vending and kiosks, gas dispensers. 

Feel free to visit us at our booth J 009, and keep in touch at : info@alcineo.com

We hope to meet you soon on the French Riviera.

Come meet us at UITP Summit, Stockholm, June 9-12

Join us in Stockholm, June 9th to 12th, at UITP Summit and share our vision of the future of contactless payments in transport.

The UITP summit, occuring every two years in a different place in the world, is the ideal place to meet all stakeholders involved in this ecosystem, and share innovation and ideas to constantly improve travellers’ journeys experience.

Our software solution for transit, based on EMV contactless payments and security, is fully compliant with international payment standards requirements.  

We will be happy to welcome you !

New ICS for EMV® Contactless Level 1 available

The applicability of EMV® 3.0 is now effective, and the corresponding ICS for EMV® Contactless Level 1 v3.0 is available for download on EMVCo website

Vendors can submit their contactless capable terminals to type approval against the v3.0 test plan. The scope of the EMV Contactless Level 1 testing includes Analogue test, Digital test, and Interoperability test. The aim is to adapt POS systems to new methods of payment used worldwide.

As the version 3.0 includes major changes on the Analogue side, EMVCo has stretched the migration period until December 2019. Hence, if products don’t pass all Analogue v3.0 tests, they can be granted a v2.6 LoA, provided  :

  • they pass all v3.0 Digital test cases
  • they pass certain v3.0 Analogue test cases (detailed description in TTA bulletin 221). 

Contact your Alcinéo representative to have further information on the Terminal certification processes at : info@alcineo.com.

 

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Comply with EMV® contactless Level 1 interoperability testing

Since January 1st 2019, vendors submitting their contactless readers to Terminal Type Approval, shall perform interoperability tests in addition to analog and digital testing sessions to obtain EMV Contactless Level 1 certification. 

Vendors who have already obtained certification of EMV L1 contactless kernel v2.5 or 2.6 (with a LoA still valid), can perform the Interoperability tests, and will get an update on the current LoA.

Vendors submitting their products to Interoperability testing shall also provide a DTE to the lab with the Interoperability loopback application.

Visit EMVCo website to obtain the related documentation.

The dedicated tool developed by Alcinéo to provide a bespoke and flexible device testing environment to our customers during Terminal Type Approval testing sessions (DTE L1) already supports the loopback application. The changes linked to interoperability tests (eg. error or success indicators with sounds or LED) have been integrated. 

For more information  feel free to contact us  : info@alcineo.com

EMV® contact Level 2 version 4.3h available

In bulletin TTA 218, EMVCo announces the release of the new EMV® contact Level 2 test plan, version 4.3h. 

The new test plan is applicable starting January 1st 2019 in all accredited laboratories. During the migration period, vendors can submit their products with the 4.3g version.

Starting March 1st 2019, EMV L2 ICS shall be submitted with the 4.3h test plan version. The bulletin detailing effective dates is available on EMVCo website

Alcinéo provides EMV contact kernels compliant with the latest test plan version, and support our clients to fill-in Implementation Conformance Statements accordingly.  

For more information on the latest EMV test plan versions available, please contact your Alcinéo representative, or send us your inquiry at : info@alcineo.com

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.