MAG Webinar: EMV & Cardholder Verification Method Priority Moderator: John Drechny- Senior Director of Payment Services , Walmart Speaker: Jeff Stroud– Senior Managing Consultant, MasterCard Advisors Speaker: Guy Berg- MasterCard Worldwide Speaker: Simon Hurry- Sr. Business Leader, Chip Infrastructure-Visa, Inc. Monday, June 3-12:00pm-1:00pm CT
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MAG Webinar: EMV & Cardholder Verification Method PriorityUpcoming MAG Educational Opportunities • WEBINAR: GETTING STARTED WITH EMV: BEST PRACTICES AND COMMON PITFALLS June 20,
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Moderator: John Drechny- Senior Director of Payment Services , Walmart
Speaker: Jeff Stroud– Senior Managing Consultant, MasterCard Advisors
Speaker: Guy Berg- MasterCard Worldwide
Speaker: Simon Hurry- Sr. Business Leader, Chip Infrastructure-Visa, Inc.
Monday, June 3-12:00pm-1:00pm CT
Upcoming MAG Educational Opportunities
• WEBINAR: GETTING STARTED WITH EMV: BEST PRACTICES AND COMMON PITFALLS June 20, 2013- 12:00pm-1:00pm CT Register Online at www.merchantadvisorygroup.org
• EDUCATIONAL CLASS- Payments+ Planning for Tomorrow’s Payments: Consumer Engagement, EMV, Routing-Presented by W.Capra June 26, 2013 McDonald’s COB, Chicago, IL Register Online at www.merchantadvisorygroup.org
• Mark Your Calendars! Annual Conference-Celebrating 5 Years in the Big Easy October 7-9, 2013 Astor Crowne Plaza New Orleans New Orleans, LA
Jeff Stroud MasterCard Advisors – Senior Managing Consultant
Guy Berg-MasterCard Worldwide
EMV & Cardholder Verification Method Priority
EMV Application Anatomy for Standard EMV
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Standard EMV CVM List
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Card Conveys to the terminal the preferred CVM
The Issuer sets the order of the CVM list
The CVM list will vary by issuer
Standard EMV CVM List
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Card Perspective Terminal Perspective
Offline PIN Plaintext Enciphered
Online Enciphered PIN Signature No CVM
CVMs supported by the terminal
EMV Application Anatomy for Durbin EMV
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Application Selection Process
EMV Application Anatomy for Durbin EMV
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Application AID
CVM List Card
Authentication Method
Other Risk Management
Settings
EMV Profile
Application Selection Process
Conditions
Methods Amount Conditions
CVM Fallback
CVM List is defined on the card
CVM List provides the terminal with four pieces of information on how an issuer wishes the cardholder to be verified
1. CVM Method
Order of methods is in priority order that issuer wishes
2. Conditions of use
3. What if the CVM method is unsuccessful
4. In the case where conditions applied to a CVM method involve amounts, CVM list will contain AMOUNT X and AMOUNT Y values that the terminal will validate the condition against
Anatomy of a CVM List
CVM Methods Conditions
Methods Amount
Conditions
CVM Fallback
Offline Plaintext PIN
Online Enciphered PIN
Offline Enciphered PIN
Signature
No CVM
CVM Conditions
Always
If unattended cash
If not unattended cash and not manual cash and not purchase with cashback
If terminal supports CVM
If manual cash
If purchase with cash back
Conditions
Methods Amount
Conditions
CVM Fallback
EMV Defines CVMs that terminals may be capable of supporting Offline PIN (new with EMV)
Plaintext
Enciphered
Online Enciphered PIN (exists today with magstripe)
Signature (exists today with magstripe)
No CVM (exists today with magstripe – QPS)
Terminal Supported CVMs
CVM List (From Card)
TERMINAL
Terminal Processing of CVM List
CVM #1
CONDITION OF USE
CVM #2
CONDITION OF USE
Conditions Satisfied
CVM Processing Fails
CVM Supported If condition is not
satisfied AND CVM Method is not
supported Conditions Satisfied
CVM Supported If condition is not
satisfied AND CVM Method is not
supported
Occurs when the conditions for the preferred CVM method to be performed are met but the CVM method cannot be performed or, when performed, the CVM method failed
CVM Fallback Configuration Options Do not fallback if the CVM fails but proceed with the transaction
Fallback to the next CVM in the priority list
Examples of CVM method unable to be performed: PIN Entry required but PIN Bypassed (either by customer or merchant)
PIN Entry Required but PIN Pad is not present or not working
PIN Try Limit Exceeded
CVM Fallback Processing
Processing logic for when CVM Fallback is Supported by Card
CVM #1 CONDITION OF USE
Apply Next CVM
CVM #2 CONDITION OF USE
Apply Next CVM
Conditions Satisfied
Condition of Use Satisfied but CVM cannot be executed
successfully
When CVM Fallback is Not Supported by Card
CVM #1 CONDITION OF USE
Do Not Apply Next CVM
CVM #2 CONDITION OF USE
Apply Next CVM
Conditions Satisfied
Condition of Use Satisfied but CVM cannot be executed
successfully
CVM Processing Fails
Potential CVM Profiles on card (assumes Multiple AIDs)
US Debit AID
Offline PIN If Terminal Supports
Apply Next
Online PIN If Terminal Supports
Apply Next
Online PIN If Unattended Cash
Apply Next
No CVM If Terminal Supports
Do Not Apply Next
International AID
Online PIN If Terminal Supports
Apply Next
Signature If Terminal Supports
Do Not Apply Next
Online PIN If Unattended Cash
Apply Next
No CVM If Terminal Supports
Do Not Apply Next
May support Signature
May support Online PIN
May support Offline PIN (both
Plaintext and Enciphered)
May support No CVM
•Settings are dependent on how Terminal Vendor has certified their EMV Kernel with EMVCo