Tuesday, 04 December 2007
The increasing security requirements to cashless paying by debit and credit cards are a response to the high crime and fraud rate in the handling with these means of payment.
The objectives of the EMV Security Standard are to minimize the
card misuse, to limit the credit risks and multiple applications on a
This standard assumes the following minimum conditions for
payment with debit and credit cards.
- A chip accords to EMV standard in the debit and credit cards.
- A card terminal certified according to the EMV standard.
- A PIN input (Personal Identification Number) except for small amounts of money.
These criteria are met by the cashless payment method Chip & PIN, which is currently implemented in the Amano systems at Jersey Airport, UK. The data is read from the chip on the debit or
credit card and processed.
The payment procedure is inevitably coupled with the input of a PIN. The card is processed in an EMV-conforming terminal.
In cooperation with our partner 3C as a Payment Service Provider, this procedure was further developed and the corresponding interface between Amano software and 3C was adapted. This solution has been certified now for the United Kingdom. On principle, however, it can also be adapted to other countries, after a corresponding certification.