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© 2012 UL LLC
SThe EMV EcosystemAn Interactive Experience for the Payments Community
Smart Card Alliance Payments Council
January 30, 2013
First Time Users – Click to Start
Returning Users – Click to Resume
Copyright © 2013 Smart Card Alliance
Instructions on how to use this presentation
From this slide forward you should use the mouse for navigation.
When the mouse pointer changes to a hand you can click it.
All buttons will be clickable and navigate you through the presentation.
At anytime you can go BACK, go to the HOME page or EXIT the presentation by clicking on the navigation buttons at the top of the page.
Clicking on the Smart Card Alliance logo will provide you with more information about the organization and the contributors to this document.
- Click NEXT to proceed
Next
Copyright © 2013 Smart Card Alliance
The Smart Card Alliance Payments Council developed this interactive presentation to provide an educational resource for the payments industry.
The presentation shows the full EMV ecosystem, with participants who play roles in EMV issuance, acceptance and transaction processes.
Clicking on one of the participants takes you to a page for that ecosystem participant with a description of the participant’s roles, example organizations that play these roles, and key links with other ecosystem participants.
- Click NEXT to proceed
NextAbout this interactive presentation
Copyright © 2013 Smart Card Alliance
[Please select the EMV ecosystem participant to learn more]
EMV Ecosystem Participants
IssuanceChip Suppliers Inlay
Manufacturers
Card Manufacturers
Application Providers
Issuer Processors
Program Managers
Distribution Points
Personalization Bureaus
Data Prep & Lifecycle
Management
Card Type Approval POS Terminal
Vendors
Retail System Integrators
Value-Added Resellers
ISOs
Terminal Type Approval
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Consultants Standards Bodies
Education & Training
Industry Organizations
Acceptance and Transactions
Cardholder
Acquirers
Click on an EMV ecosystem participant to proceed
Exit
Copyright © 2013 Smart Card Alliance
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Issuers
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Cardholder
Issuer Processors
Role• Provide payment devices (cards) to
customers and manage payment transactions
• Educate and train cardholders• Can also play the role of issuer
processor
Examples• Bank of America• Chase• Silicon Valley Bank• State Employees Credit Union• Travelex• UNFCU• Wells Fargo
Key Links with other Participants• Cardholders• Payment networks• Card manufacturers• Standards bodies• Industry organizations
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Payment Networks
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Create specifications to ensure the
highest level of secure payment transactions and interoperability
• Operate networks for routing transactions from processors to issuers
• Operate “on-behalf-of” (or early data) services for issuers to support EMV migration
Examples• American Express• Discover• MasterCard• Visa• Regional debit networks (e.g., NYCE,
PULSE, SHAZAM, STAR)
Key Links with other Participants• All
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Chip Suppliers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Design, manufacture and provide ICs
which are integrated on inlays and/or cards
• Normally will load the operating system (OS) of the chip
Examples• Infineon Technologies• INSIDE Secure• NXP Semiconductors• Samsung• Sony• STMicroelectronics
Key Links with other Participants• Inlay manufacturers• Very large card manufacturers (with card
integration plants)
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
Cardholder
Chip Suppliers
Issuance Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Inlay Manufacturers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Provide card manufacturers with a
durable and convenient solution for the manufacturing of the finished cards
• May or may not load the OS of the chip
Examples• HID Global• Smartrac• SPS (Smart Packaging Solutions)
Key Links with other Participants• Card manufacturers
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
Cardholder
Inlay Manufacturers
Issuance Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Inlay Manufacturers
Chip Suppliers
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Card Manufacturers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Produce smart cards from sheets • Load the applications• Test the cards for quality issues• Package, ship and distribute the cards to
personalization bureau
Examples• CPI Card Group• Gemalto• Giesecke & Devrient• Morpho Cards • Oberthur Technologies• Perfect Plastic Printing • VCT• Watchdata
Key Links with other Participants• Chip suppliers• Inlay manufacturers• Issuers• Standards bodies (EMVCo)• Personalization bureaus
Card Manufacturers
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
Cardholder
Issuance Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Application Providers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Payment (network) schemes that create
product-specific specifications and applications and provide/license applications to issuers through card manufacturers to comply with EMVCo specifications
Examples• American Express AEIPS, ExpressPay• Discover D-PAS• Interac • MasterCard M/Chip, PayPass M/Chip• Visa VSDC, payWave qVSDC
Key Links with other Participants• Card manufacturers• Issuers• Standards bodies (EMVCo)
Application Providers
(EMV)
Acceptance and Transactions
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Entities that facilitate card issuance activities
on behalf of an issuer such as card enrollment, preparing and sending the card personalization information to the card vendor, and maintaining the cardholder database. The issuer processor may provide only card issuing activities or may provide other ancillary services as well (e.g., web front-end administrative and cardholder account management applications, customer service, settlement and clearing, chargeback processing)
Examples First Data FIS Fiserv FSV TSYS Self-processing issuers
Key Links with other Participants• Issuers• Program managers• Card manufacturers• Personalization bureaus• Payment networks
Issuer Processors
Acceptance and Transactions
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Program Managers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Typically associated with prepaid card programs,
program managers sit between the issuer and the customer and manage most aspects of a co-branded/affinity card program, including marketing and distribution, and either provide or maintain relationships with third-parties for other functions (e.g., transaction processing, websites, call center). The program manager role is not as common for credit and debit card programs but does exist (see the example of the ICBA’s Bancard which offers a turnkey credit card solution for agent community banks through its issuing bank TCM Bank).
• Also known as Group Service Providers / Member Service Providers for credit/debit cards.
Examples Card Services for Credit Unions (CSCU) CO-OP Network Independent Community Bankers of America
(ICBA) Prepaid program managers (e.g., GreenDot,
NetSpend)
Key Links with other Participants• Issuers• Personalization bureaus• Card manufacturers• Payment networks
Program Managers
Acceptance and Transactions
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Data Preparation & Lifecycle Management
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Software used to enhance card management
systems to support cryptographic and application data for EMV
• Services that prepare data for EMV personalization including calculation of card verification values and/or management of keys
• Services that prepare scripts to make updates to cards (e.g., PIN, risk parameters, suspend) at ATMs or POS terminals
Examples• All card and personalization bureaus• Software providers: Datacard• Service providers:
• Bell ID• Cryptomathic• First Data• FIS• Fiserv• Gemalto• Giesecke & Devrient• Oberthur Technologies• Thales
Key Links with other Participants• Issuers• Personalization bureaus• Issuer processors
Data Preparation &
Lifecycle Management
Acceptance and Transactions
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
* Key stakeholder linkages are indicated as non-gray boxes
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Personalization Bureaus
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Provide personalization services
• Data preparation• Configuration set-up• Fulfillment of personalized chip card, with all
paper inserts; preparation for mailing to customer
• Partner with issuers to:• Define card profile, including risk parameters• Receive and manage card records and keys to
form a personalization record• Generate personalization script • Perform key management activities for EMV,
CVV/CVC, and PINs between card manufacturer and personalization bureau and between issuer and personalization bureau
Examples• CPI Card Group• First Data• FIS• Fiserv
Key Links with other Participants• Issuers• Issuer processors • Card manufacturers• Payment networks• Standards bodies
Personalization (Perso)
Bureaus
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
• Gemalto• Giesecke Devrient • Oberthur Technologies• TSYS
• Application providers• Data preparation• Consultants• Certification bodies
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Issuance
Issuer Processors
Cardholder
Card Type Approval
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Consultants
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Provide technical and business expertise in
deploying EMV technology• Share global experience and knowledge in all
aspects of EMV issuance - from card platforms, to EMV payment applications, key management, configuration, data preparation, personalization and transaction processing
• Provide training
Examples• EMV software providers:
Barnes, Bell ID, Consult Hyperion, ICC Solutions, UL Transaction Security
• Payment brands: American Express, Discover, MasterCard, Visa
• Technology providers:Accenture, Gemalto, Giesecke & Devrient, Morpho Cards, NXP Semiconductors, Oberthur Technologies
• Consulting firms:Accenture, FIME, independent consultants
Key Links with other Participants• Standards bodies• Card manufacturers• Issuers• Payment networks• Application providers• Data preparation
Consultants
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
• Personalization bureaus• Issuer processors• Regulatory bodies
Program Managers
Distribution Points
PersoBureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Distribution Points
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Deliver personalized EMV payment cards
and/or credentials to consumers• Direct mail through centralized issuance• Mass delivery through centralized issuance
– debit, prepaid reloadable• Instant issuance – issuer branch, kiosks,
unattended automated issuance• Over the air – mobile device payment
credential delivery• Need certification for EMV cards vs. mag stripe
cards
Examples• Direct mail: USPS, courier service• Bulk issuance: bank branches, retail stores• Instant issuance: bank branches; public
areas (e.g., retail locations, airports, special events)
Key Links with other Participants• Standards bodies• Card manufacturers• Application providers• Data preparation• Certification bodies• Issuers• Cardholders
Distribution Points
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Standards Bodies
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Ensure physical and logical global
interoperability of EMV capable devices and systems: cards, mobile devices, POS systems, ATMs, acquiring networks, issuer host systems
Examples• ISO – ISO/IEC 7816 - primary standard for
smart cards; ISO/IEC 14443 for contactless smart cards
• EMVCo – payment specifications (security, functionality, interoperability)
• GlobalPlatform – cross-industry standards and specifications layering payment security and functional requirements over the standards in non-payment telecommunication and identification industry
Key Links with other Participants• Chip manufacturers• Card manufacturers• Issuers• Payment networks• Personalization bureaus• Issuer processors• Education and training• Consultants• Application providers• Data preparation • Card type approval
Standards Bodies
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Regulatory Bodies
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Public authority or government agency
responsible for unbiased authority over some area of human activity. For EMV, bank, consumer protection and financial regulatory bodies may be involved.
Examples• No regulatory body is governing EMV at
this point.
Key Links with other Participants• Not applicable
Regulatory Bodies
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Card Type Approval
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Smart card products
• EMVCo certifies the hardware security of the chip. The chip manufacturer obtains the certification from EMVCo.
• The card/chip module supplier is responsible for obtaining certification from the payment brands for the software (OS and payment application) implementation.
• The payment brands have an established multi-tier certification process setting the requirements and using the services of accredited test labs to perform the testing to ensure compliance.
• Payment application configuration and personalization• Payment brands perform certification/testing
of the final configured products before the issuer can start mass issuance. The purpose of this testing is to ensure domestic and international interoperability.
• Issuer is responsible for obtaining personalization certification from the payment brands but may use the assistance of the entity consulting with the issuer for the configuration and/or performing the personalization.
Card Type Approval
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxesClick to continue
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Card Type Approval
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Examples• EMVCo• Payment brands• Test laboratories: card type approval (see
current list on EMVCo web site)• Applus+ LGAI Technological Center S.A.
(Spain)• CETECOM ICT Services GmbH
(Germany)• Deutscher Sparkassenverlag (Germany)• FIME Europe Test Centre (France)• FIME Asia Test Centre (Taiwan, ROC)• ICT Korea Co., Ltd. (Korea)• RFI Global Services (United Kingdom)• TUV SUD Japan Ltd. (Japan)
Key Links with other Participants• Chip manufacturers• Card/chip module manufacturers• Payment brands• Accredited test labs• Issuers
Card Type Approval
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Education & Training
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Role• Education for issuer employees on
technology, infrastructure, customer service and other topics to support EMV migration
Examples• See categories for examples.
Payment brands Consultants Card manufacturers Processors Industry organizations Standards bodies
Key Links with other Participants• Issuers• Issuer processors• Program managers
Education & Training
Acceptance and Transactions
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Issuance Process: Industry Organizations
Role• Education for issuers and merchants• Facilitation of discussion of EMV
migration• Government advocacy• Industry conferences and networking
Examples ATM Industry Association Electronic Transactions Association (ETA) EMV Migration Forum Merchant Advisory Group (MAG) National Retail Federation (NRF) Smart Card Alliance
Key Links with other Participants• All other categories
Industry Organizations
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Acceptance and Transaction Process: Merchants
Role• Accept EMV cards using payment applications
• In physical and virtual, online and offline locations
• That support an array of contact and contactless card types and form factors
• Add value to point-of-purchase through:• Consumer engagement (loyalty / frequency /
geolocation programs)• Enlightened use of social media that targets
consumer preferences• Provide cardholder education and training
Examples• 7-Eleven• BestBuy• JambaJuice• JCPenney• McDonald’s• Shell Oil • Walgreens• Walmart
Key Links with other Participants• POS terminal vendors• Retail systems integrators• Acquirers• Acquirer processors• ISOs• Value-added solution providers• Payment networks * Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Back ExitHome
Copyright © 2013 Smart Card Alliance
Acceptance and Transaction Process: POS Terminal Vendors
Role• Provide standalone POS terminals and
integrated EMV card readers• Create EMV-compliant hardware and
operating system platforms• Maintain GlobalPlatform standards• Support single and multiple data elements
Examples• Castles Technology• Equinox• Ingenico• OTI• VeriFone
Key Links with other Participants• Merchants• Retail systems suppliers• ISOs• Acquirers• Acquirer processors• Standards bodies (EMVCo)• Certification bodies• Payment networks
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
POS Terminal Vendors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Retail System Integrators
Role• Facilitate interoperability among devices
and payment card schemes• Maintain GlobalPlatform standards• Create infrastructure for payment card
processing and ancillary services (e.g., loyalty, authentication, inventory management)
Examples• Accenture• Cubic• IBM• Radiant Technologies
Key Links with other Participants• Merchants• POS terminal vendors• Acquirers• Acquirer processors• ISOs• Payment networks
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Retail System
Integrators
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Acquirers
Role• A payment network member responsible for
signing merchants, acquiring transaction data and ensuring that merchants are paid, including: • Underwriting merchants to accept network-
branded cards• Acquiring transaction data from merchants• Providing the means to authorize valid
transactions• Facilitating transaction clearing and
settlement with timely delivery of payment card revenue to merchants minus interchange and related service fees
• Managing risk, exceptions, refunds and disputes
Examples• Bank of America• Chase Paymentech• Wells Fargo
Key Links with other Participants• Merchants• POS terminal vendors• Retail systems integrators• ISOs
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Acquirers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Acquirer Processors
Role• Entities that process transactions on behalf of
acquirers by connecting merchant transactions to payment networks by: • Providing the POS device• Securely routing transaction from POS
device through POS payment gateway to payment network
• Managing transactions from authorization to clearing to settlement
Examples• Chase Paymentech• Elavon • First Data• Global Payment Systems• Heartland Payment Systems• RBS WorldPay (Royal Bank of Scotland)• TSYS
Key Links with other Participants• POS terminal vendors• Acquirers• ISOs• Payment networks
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Acquirer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Acquiring Payment Gateways
Role• Facilitate payment transactions between
merchants and processors• Securely route transactions from merchant
POS devices or other end-points to acquirer processors
• Provide many-to-many connectivity between point of use applications and processors
• Provide value-added payment products and services to merchants, ISOs, and other players
Examples• Apriva• Authorize.net• eProcessing• IP Commerce• iPayments• PayWare Connect• TNS
Key Links with other Participants• Acquirer processors• Acquirers• ISOs• POS terminal vendors• Merchants• Consultants• Standards bodies
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Acquiring Payment Gateways
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
ATM Suppliers
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Consultants Standards Bodies
Acquiring Payment Gateways
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Acceptance and Transaction Process: ISOs
Role• Third-party resellers of an acquiring
processor’s services• ISOs must be aware of and communicate
and educate the changes to their merchant account clients. ISOs often provide the POS terminal for small and medium-sized businesses and will need to work with the merchant to replace the existing terminals with EMV-capable terminals.
• Not unique to EMV, ISOs, along with acquiring banks, assume much of the liability and risk as they underwrite the merchants.
Examples• There are thousands of ISOs representing
acquirer processors; no single ISO is of significant size.
Key Links with other Participants• Acquirer processors • Merchants
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
ISOs
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Payment Networks
Role• Act as network processor and switch for credit
and debit transactions• Provide applications for contact and
contactless• Operate networks for routing transactions from
processors to issuers• May operate “on-behalf-of” (or early data)
services for issuers to support EMV migration• May serve as issuer processor
Examples (Credit and/or Debit)• American Express• Discover• JCB• MasterCard• NYCE • PULSE• SHAZAM• STAR• Visa• Other regional debit networks
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
IssuersAcquirer
Processors
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Issuer Processors
Issuer Payment Gateways
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Acceptance and Transaction Process: Payment Networks
Key Links with other Participants• Acquirers • Acquirer processors (indirectly through
acquirer member of which the processor is a member service provider)
• Issuer processors• Issuer payment gateways
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
IssuersAcquirer
Processors
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Issuer Processors
Issuer Payment Gateways
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Acceptance and Transaction Process: Value-Added Resellers
Role• Not ISOs, but entities that provide POS
software/hardware to various merchant categories (e.g., the food service industry, hospitality industry)
• Developers of custom POS software solutions that read track data, form the authorization request and send it to the acquirer/processor
• Interface can be with developer’s POS system or another supplier’s.
Examples• ACI• Apple• Micros• IBM• NCR• Oracle• Wincor Nixdorf
Key Links with other Participants• Acquirers• Merchants• ISOs• POS terminal suppliers• Acquiring gateways
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Value-Added Resellers
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Issuers
Role• A financial institution that issues a
customer account that is tied to network-branded EMV card and/or payment device – credit, debit or prepaid. Very few issuers self-process but rely instead on third-party processors and card personalization bureaus.
• If self-processing, must be sure that its processing software supports authorization request responses for EMV originated transactions
Examples• Many banks are in the process of issuing
EMV cards. Eventually all issuers will convert to EMV as more and more merchants convert.
Key Links with other Participants• Issuer processors
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Issuers (Acceptance)
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Issuer Processors
Role• Facilitates the response to the
authorization request from the merchant on behalf of the issuer
Examples• First Data• FIS• Fiserv• FSV Prepaid• Galileo Prepaid• TSYS
Key Links with other Participants• Issuers• Payment networks• Merchants• Acquirers• Acquirer processors
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Issuer Processors
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Issuing Payment Gateways
Role• Conduit from the card network to the issuer
processor where a third party processor is involved in a prepaid card program
• Ensure third party issuer processor acquires appropriate responses from both ends during an authorization request
• Securely route transactions from card network to the issuing platform (issuer processor or issuer)
• Role can be as an independent gateway or can be offered by the issuer processor
• American Express is excluded from this as they do not allow third parties to program manage or issue cards
Examples• eFunds/FIS• Star Processing Inc.• U.S. Bancorp
Key Links with other Participants• Payment networks• Issuers• Issuer processors
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
PersoBureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Issuer Payment Gateways
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
IssuerPayment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Consultants
Role• Provide technical and business expertise in
deploying EMV technology• Share global experience and knowledge in all
aspects of EMV acceptance - from POS EMV kernel to payment transaction messaging, issuer scripting and EMV host transaction processing
Examples• EMV software/tools providers: Barnes, ICC
Solutions, UL Transaction Security• Payment brands: American Express,
Discover, MasterCard, Visa• Technology providers:
POS and ATM vendors• Consulting firms:
FIME, freelance consultants
Key Links with other Participants• Merchants• Retail systems integrators• Acquirers• Acquirer processors• Payment networks• Issuer processors• Issuers
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Consultants
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Standards Bodies
Role• Ensure physical and logical global
interoperability of EMV capable devices and systems: cards, mobile devices, POS systems, ATMs, acquiring networks, issuer host systems
Examples• ISO – ISO/IEC 7816 - primary standard for
smart cards, ISO/IEC 14443 for contactless smart cards
• EMVCo – payment specifications (security, messaging, interoperability)
• GlobalPlatform – messaging specifications, key management
Key Links with other Participants• Merchants• POS terminal vendors• Retail systems integrators• Acquirers• Acquirer processors• Issuer processors• Issuers• ATM suppliers
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Standards Bodies
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Terminal Type Approval
Role• Perform Level 1 and Level 2 testing and approval of
POS devices• Perform additional brand-specific contactless testing
of POS devices
Examples• EMVCo • American Express, Discover, MasterCard, Visa• Testing laboratories: terminal type approval (see
current list on EMVCo web site)• Applus+ LGAI Technological Center S.A. (Spain)• Beijin Unionpay Card Technology Co., Ltd (China)• CETECOM ICT Services GmbH (Germany)• CETECOM MOVON Ltd (Korea)• ELITT (France)• FIME Europe Test Centre (France)• FIME Asia Test Centre (Taiwan, ROC)• ICT Korea Co., Ltd. (Korea)• RFI Global Services (UK)• TUV SUD Japan Ltd. (Japan)• TUV SUD Product Service Ltd (UK)• VOB-ZKD (Germany)
Key Links with other Participants• Merchants• POS terminal vendors• Acquirers• Acquirer processors• Accredited test labs• Payment networks• Standards bodies
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Terminal Type
Approval
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
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Acceptance and Transaction Process: Industry Organization
Role• Education for merchants, ISOs, acquirer
processors and others on technology, infrastructure, customer service and other topics to support EMV migration
Examples• See categories for examples
Payment brands Consultants Processors POS terminal vendors Retail systems integrators Industry organizations
Key Links with other Participants• All other categories
* Key stakeholder linkages are indicated as non-gray boxes
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuance
Issuer Processors
Education & Training
Acceptance and Transactions
Cardholder
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
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Acceptance and Transaction Process: Industry Organizations
Role• Education for issuers and merchants• Facilitation of discussion of EMV migration• Government advocacy• Industry conferences and networking
Examples ATM Industry Association Electronic Transactions Association (ETA) EMV Migration Forum Merchant Advisory Group (MAG) National Retail Federation (NRF) Smart Card Alliance
Key Links with other Participants• All other categories
* Key stakeholder linkages are indicated as non-gray boxes
Industry Organizations
Issuance
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
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Acceptance and Transaction Process: ATM Suppliers
Role• Upgrade of ATM terminals to support
contact and/or contactless EMV chip transactions
• Both hardware and software must be certified for EMV acceptance
Examples• Diebold• Fujitsu• NCR• Tidel• Triton• Wincor-Nixdorf
Key Links with other Participants• ATM operators• Certification bodies• Payment networks (debit)
* Key stakeholder linkages are indicated as non-gray boxes
ATM Suppliers
Issuance
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
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Acceptance and Transaction Process: ATM Operators
Role• Responsible for contracting with ATM
suppliers to provide an EMV-compliant ATM terminal
• Provide consumers with ability to do banking activities
Examples• Financial institutions• Independent operators (e.g., Cardtronics)
Key Links with other Participants• Cardholders• ATM suppliers• Payment networks (debit)
* Key stakeholder linkages are indicated as non-gray boxes
Issuance
Terminal Type
Approval
Retail System
Integrators
Value-Added
Resellers
ISOsPOS
Terminal Vendors
Issuers
Issuer Processors
Acquirer Processors
Issuer Payment Gateways
Acquiring Payment Gateways
ATM Suppliers
Consultants Standards Bodies
Education & Training
Industry Organiza-
tions
Acquirers
Acceptance and Transactions
Cardholder
Program Managers
Distribution Points
Perso Bureaus
Data Prep & Lifecycle
Management
ConsultantsStandards
Bodies
Regulatory Bodies
Education & Training
Industry Organizations
Chip Suppliers
Inlay Manufacturers
Card Manufacturers
Application Providers
Card Type Approval
Issuer Processors
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Smart Card AllianceAbout the Smart Card Alliance
The Smart Card Alliance is a not-for-profit, multi-industry association working to stimulate the understanding, adoption, use and widespread application of smart card technology. The Alliance invests heavily in education on the appropriate uses of technology for identification, payment and other applications and strongly advocates the use of smart card technology in a way that protects privacy and enhances data security and integrity. Through specific projects such as education programs, market research, advocacy, industry relations and open forums, the Alliance keeps its members connected to industry leaders and innovative thought. The Alliance is the single industry voice for smart card technology, leading industry discussion on the impact and value of smart cards in the U.S. and Latin America.
Smart Card Alliance Payments Council Member Contributors
Special thanks go to Dori Skelding, Chase Card Services, who led this project. Member contributors included:
Philip Andreae, Accenture Peter Ho, Wells Fargo Bob Murray, Acumen Building Services Debbie Bartoo, Bank of America Simon Hurry, Visa Inc. Susan Pandy, NACHA Nancy Baunis, Connexem Consulting Brent Iles, Datacard Group Sharon Pazlar, Fiserv Louis Bianchin, Valid Liz Jackson, American Express Nick Pisarev, Giesecke & Devrient Matt Bowe, Morpho Ryan Julian, Discover Financial Services Louis Portillo, American Express Patrick Comiskey, NXP Semiconductors Grace Jung, Interac Peter Quadagno, Quadagno & Associates Deana Cook, Chase Card Services Dale Laszig, Independent Sanjiv Rawat, Giesecke & Devrient Jose Correa, NXP Semiconductors Paul Legacki, Infineon Technologies JC Raynon, VeriFone Fred Csaky, FIS James Lock, JPMorgan Chase Bill Robertson, Apriva Jo Ann Davaris, American Express Don Malloy, NagraID Security Dori Skelding, Chase Card Services Terry Dooley, SHAZAM Oliver Manahan, MasterCard Worldwide Ellie Smith, Discover Financial Services Mike English, Heartland Payment Systems Ken Mealey, American Express Garfield Smith, Oberthur Technologies Allen Friedman, TSYS Cathy Medich, Smart Card Alliance Brian Stein, Accenture Ron Hempel, JPMorgan Chase Andra Munteanu, Discover Financial Services Astrid Wang-Reboud, Gemalto
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Smart Card AllianceAbout the Payments Council
The Smart Card Alliance Payments Council focuses on facilitating the adoption of chip-enabled payments and payment applications in the U.S. through education programs for consumers, merchants, issuers, acquirers/processors, government regulators, mobile telecommunications providers and payments service providers. The group brings together payments industry stakeholders, including payments industry leaders, merchants and suppliers, and works on projects related to implementing EMV, contactless payments, NFC-enabled payments and applications, mobile payments, and chip-enabled e-commerce. The Council’s primary goal is to inform and educate the market about the value of chip-enabled payments in improving the security of the payments infrastructure and in enhancing the value of payments and payment-related applications for industry stakeholders. Council participation is open to any Smart Card Alliance member who wishes to contribute to the Council projects.
Copyright Notice
Copyright © 2013 Smart Card Alliance, Inc. All rights reserved. Reproduction or distribution of this publication in any form is forbidden without prior permission from the Smart Card Alliance. The Smart Card Alliance has used best efforts to ensure, but cannot guarantee, that the information described in this report is accurate as of the publication date. The Smart Card Alliance disclaims all warranties as to the accuracy, completeness or adequacy of information in this report. This resource does not endorse any specific product or service. Product or service references are provided to illustrate the points being made.
The EMV ecosystem described in this resource is based upon Smart Card Alliance Payments Council research and analysis as of publication time. Any changes or updates will be communicated in future publications on the EMV Connection web site (http://www.emv-connection.com), as needed.
Trademark NoticeAll registered trademarks, trademarks, or service marks are the property of their respective owners.