EMV is a global standard for inter-operation of Integrated Circuit cards (IC cards or "chip cards") and IC card capable point of sale (POS) terminals and Automated Teller Machines (ATMs), for authenticating credit and debit card transactions for front end channels, backend systems like issuance and acquire platforms.

Below diagram depicts the EMV transaction processing environment end to end from channels to back end systems

The following are the major EMV transactions involved while implementing the solution with respect to POS Applications, Kernel, Gateway, HCE and Issuance systems:

  • Card detection and reset

  • List Creation

  • Application selection

  • Initiate application processing

  • Read application data

  • Processing restrictions

  • Offline data authentication

  • Cardholder verification

  • Terminal risk management

  • Terminal action analysis

  • First card action & second card action analysis

  • Online Offline Decision

  • Online transaction authorization

  • Issuer script processing

  • Cryptogram

  • Transactions

With EMV implementation becoming a must rather than an option globally and as it is being mandated by all the key Payment Schemes, it is imperative that various players affected by these, implement EMV to remain competitive.

Our vast experience in consulting, architecting, designing, developing and implementing EMV solutions for Issuers and Acquirers puts us in a strong position to offer solutions and services for our customers along with partnering with 3rd party companies to implement across global markets.

Our core expertise and services include:

  • Developing EMV L2 Kernels for PoS and PC PoS – Contact and Contactless

  • Developing EMV L2 Kernels that can be implemented for various mobile phones platforms

  • Development and Implementation of EMV Issuance - Chip Card Management System for personalization and post personalization support; HSM APIs for processing Chip Authorization like cryptograms ARQC

  • Design, Development and Implementation of EMV interfaces for Acquirers to process EMV transactions originating from the various front-ending channels such as PoS, Payment Gateways- Chip Enabled Interface for Gateway and Acquirer, request and response; Base-II Batch file processing protocols

  • Assistance for EMV Certification of third-party implementations or those developed by Girmiti for our customers to integrate protocols for certification with VISA, MasterCard and Processors

  • Supports third party products like dongle, cradle, readers with POS devices and Mobile phones

  • Supports Mobile platforms like Android, iPhone, Windows and BB

Our Team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Certify, Automate, Deploy and UAT.

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For more information please contact us at info@girmiti.com

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