#Emv Contactless kernel

[careerguide1]

Troubleshooting and Issue Resolution in EMV Compliance With EazyPay Tech

 In the ever-evolving fintech landscape, achieving and maintaining EMV certification is essential for secure, seamless transactions. However, systems come with their own set of unique challenges ranging from hardware issues to EMV Software complexities, and transaction-specific errors. Understanding how to troubleshoot these issues and ensuring ongoing compliance can significantly enhance payment processing efficiency and security. 

Common EMV Issues: Hardware, Software, and Transaction-Related Challenges

EMV Hardware-Related Issues

Card Reader Failures: Physical wear-and-tear or malfunctioning EMV card readers can lead to frequent read errors or even outright inability to read certain cards.

Terminal Display and Connectivity Issues: Display problems, screen malfunctions, or connectivity issues (e.g., Wi-Fi or LAN issues) can disrupt transactions and lead to customer frustration.

Chip Misalignment: Poor alignment during card insertion can result in failed readings.

EMV Software-Related Issues

Kernel Compatibility Problems: Incompatible or outdated EMV Contact kernel and Contactless Kernel in payment terminals can lead to transaction rejections or authentication issues.

Application Failures: Errors or bugs within the terminal application, such as transaction freezing, incorrect amounts, or timeouts, are common.

Security Certificate Expiration: Expired certificates can prevent terminals from establishing secure connections, causing transactions to fail.

Transaction-Related Issues

Offline/Online Transaction Failures: Transactions can fail when a terminal attempts an offline transaction without proper authorization parameters, or if online authorization fails due to connectivity issues.

Data Inconsistency: Inconsistencies in transaction data (e.g., between card data and terminal information) can lead to transaction denials or chargebacks.

User Errors: Incorrect PIN entries, card misuse, or hasty transactions by customers or staff may disrupt transactions.

Regular Maintenance, Updates, and Staying Current with Standards

Maintaining compliance/Certifications in a constantly evolving EMV landscape is crucial for long-term business success. Continuous compliance requires a proactive approach to system updates, regular maintenance, and ongoing vigilance to adapt to the latest EMV standards.

System and Software Updates

Regular updates to EMV kernels, terminal firmware, and application software are necessary to comply with the latest standards and security requirements.

Compliance Audits and Testing

Conducting regular audits and compliance testing ensures that your payment systems meet both EMV and regulatory standards.

Documentation and Training

Comprehensive documentation and staff training on EMV compliance help to maintain a high standard of operation and quickly identify issues.

Cybersecurity Enhancements

As cybersecurity threats evolve, EMV compliance requires adapting to new security measures, including encryption updates, two-factor authentication, and tokenization.

Monitoring and Support Services

Ongoing monitoring of terminals and transaction logs is essential for early detection of compliance issues or irregular transaction behavior.

EMV Compliance and troubleshooting are essential aspects of managing payment terminals in a secure, efficient manner. By addressing common EMV hardware, EMV software, and transaction-related issues proactively and ensuring continuous compliance, businesses can uphold the integrity and reliability of their payment systems. EazyPay Tech provides extensive support and tools to simplify compliance, from troubleshooting assistance to advanced monitoring solutions, empowering businesses to stay resilient in an increasingly complex EMV Ecosystem.

[paymentsolutionwitheverexpanse]

We help make sure that the technology used in credit and debit card payments is secure and works smoothly. We focus on something called the EMV L2 Kernel, which is part of the technology that makes card payments safe, whether you're using a card with a chip (contact) or tapping your card on a reader (contactless).

Our job is to customize this technology according to what our clients need. We then test it thoroughly to make sure it works correctly and meets the standards set by companies like Mastercard, Visa, Amex, Discover, and RuPay.

We provide solutions to companies that make devices and terminals used for card payments. Our goal is to make sure these devices and terminals follow the rules outlined in the EMV specifications. This ensures that when you use your card to pay, everything happens securely and smoothly.

About EMV Level 2 kernel testing :

We help companies test and support EMV Level 2 contact and contactless kernels for major brands such as Mastercard, Visa, Amex, Discover, RuPay, and more.

Additionally, we assist clients in filling out the ICS form, streamlining their requirements and guiding them through testing and debugging sessions.

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[orm-services]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti-software]

Girmiti Software-Custom POS Application & Software Development Company

Girmiti Software has expertise in consulting, designing, and developing SDK platforms for terminal manufacturers and has expertise in developing EMV PoS applications for terminal manufacturing partners. We also help them in getting certified with acquirer and leverage expertise in porting the SDK to new versions and new platforms like Linux OS. Our experience extends to working on drivers, embedded devices through working closely with Hardware manufactures.

 Our expertise in areas of testing, scripting on devices, platforms to test, helps customer products to be certified and successfully complete UAT with 3rd party vendors.

 Our Team designed, developed and provided support for PoS applications on different terminal SDK platforms based on business requirements from different regional customers (APAC, EMEA, Canada, America).

 Our team carries the expertise on Terminals and SDK expertise including:

 ·         VeriFone (VOS, VOS2, Verix, Verix-V, eVo, Nurit-Lipman, Mx, Gemalto - Magic SDK)

 ·         Ingenico (Inge-platform, Telium and Tetra series)

 ·         Hypercom (Optimum series ODT, Thales)

 ·         Castles (COTS)

 ·         PAX (Proteus platform)

 ·         Geodesic (Geo-Amida SDK)

 ·         ExadiGm

 ·         Geodesik

 ·         ATOS

 Types of PoS Application development undertaken (includes providing solution on open loop/closed loop environments):

 ·         Credit/Debit

 ·         EMV Contact, Contactless, Mobile

 ·         DCC (Multi Currency support)

 ·         Prepaid, Loyalty, Gift, Top-Up, Ticketing, transit, Sport events, Restaurants, sports, Health Care, Insurance etc.

 ·         Financial Inclusion (Micro Finance)

 ·         Cloud POS

 ·         Device Signing, Remote Key Injection

 Apart from the above listed business features, we have worked on interfacing POS device with Cash Drawer, Wireless/Bluetooth Printer, Contactless Reader, Biometric, Bar Code and Check scanner.

 Our team carries the deep expertise in domain protocols, technology and supporting tools such as:

 ·         ISO-8583/APACS protocol

 ·         EPAS/Nexo

 ·         TMS Support (VeriCentre, Inge-state, Term-master)

 ·         Remote Key Injection

 ·         Multi-Application (VMAC, App-Manager) compatibility

 ·         Card Layout preparation & security

 ·         Various communication support to the Host (PSTN/Dial-up - NAC, RAS, CDMA, IP/Ethernet, GPRS,) etc.

 Support for card devices

Cards and Certification

·         Mag-Stripe cards

 ·         Contact Smartcards (EMV - ADVT, TIP, RuPay, AMEX, Discover, SCOSTA, MIFARE, M-chip)

 ·         Contactless Smartcards (EMV - qVSDC, PayPass, qSparc, DPAS, ExpressPay, CUP DesFire, DesFire-EV1 tags).

 ·         EMV L2 certification for Contactless and Contact cards-based Reader and devices.

 New Technology PoS Services

·         Tap on Phone (mPOS)

 ·         EMV QR

 ·         Wallet Transactions

 ·         Square (Mag-stripe audio-jack dongle) type reader driver interface with smartphones iPhone, Android

 ·         Pass-through App for Contactless Reader

 ·         Attendance and Access Control Apps on PoS to accept smart poster tags (NDEF, Des-Fire tags).

 Our team works to optimize, analyze, design and build POS applications to provide business users, processors, acquirers, prepaid and 3rd party companies a robust system for their daily business or for access information.

 POS applications that we build are using the following platforms and technologies

 ·         C & C++

 ·         Android Java

 ·         QT

 ·         VC++

 Our team has developed POS custom application features & solutions for EMV/Non EMV & NFC such as –

 ·         mPOS, Mobile Top up

 ·         Credit / Debit, Gift & Loyalty

 ·         Bill payments & interfaces with utilities

 ·         Transit issuance/acquiring

 ·         E Top Up Solutions, coupons

 ·         Multi-currency, eCash

 ·         Check, Biometric

 ·         Kernel, Reader & driver

 ·         Interfaces with mobile devices

 Our team carries domain expertise in designing, developing, implementing POS Applications, interfaces for Processors & Terminals.

 To know more-

Visit- https://www.girmiti.com/pos.html

Mail Us- info@girmiti.com

[mobilepointofsalesolution]

Girmiti Software-Solutions for the mPoS, Mobile Point of Sale Solution

Currently, a consumer mobile phone cannot communicate with the standard POS terminal at the merchant location. This can be overcome if the mobile phone through GPRS/NFC and BLE technology can connect to the POS terminal, pass on the card information stored on it to the POS terminal.

 An adapter must be built and connected to the POS terminal and on the mobile side the application should be able to use the GPRS/NFC/BLW mode to establish connection with the POS terminal and transmit card information to the POS terminal.

 Girmiti Software has the vast experience in developing such innovative solutions for the POS and Mobile where a mCommerce type of transaction can be done at the POS terminal.

 Few of the features that are implemented for our customers are as follows:

 ·         Inbuilt Risk & Fraud Transactions

 ·         EMV & Non-EMV Payment Methods

 ·         NFC, HCE, BLE, Wi-Fi, QR, Bar code,

 ·         Split Payments Cr/Db, Prepaid, Coupons,

 ·         Wallet, Gift, Loyalty

 ·         API for Gateways, Banks, Processors & 3rd Parties Channels

 ·         Audio Jack, Bluetooth, Wi-Fi, Android, Windows, BBAPI for 3rd Parties

 mPOS SDK

SDK provides integration with Gateway and TMS, Integration with TMS is for all the parameter initialization, application installation/upgradation and remote management. Payment gateway integration allows to process the transactions online.

 EMV L2 Kernel enables a card acceptance on smartphones to process EMV transactions

 Enables Smartphone or POS application to support EMV transactions from Discover/ Visa/ MasterCard or closed loop.

 ·         Library is fully compliant with the EMV standard specifications.

 ·         EMV Kernel supports VISA and MasterCard contactless cards as per the specifications

 ·         Library provides a set of APIs, the target POS application to use to perform EMV transactions.

 ·         Features provided by L2 Kernel Library

 ·         Various Application Selection schemes such as PSE, PPSE, AID or partial AID selections.

 ·         Data Authentication methods

 ·         Support of CVM methods

 ·         Risk Management features like Floor limit, Velocity Check, Random online transaction

 ·         Terminal Action analysis with terminal action codes

 ·         Provides options for easy configuration of parameters - Terminal capabilities, Additional terminal capabilities and Terminal type

 ·         EMV Kernel can be implemented based on EMV Contactless specification

 Kernel Features

The functionality of the kernel level APIs are as follows:

 ·         Application Selection

 ·         Final Selection

 ·         Get processing options

 ·         READ RECORD Command-Response APDUs

 ·         Processing Restrictions

 ·         Cardholder Verification & CVM Processing Logic

 ·         Terminal Risk Management (Floor Limits, Random Transaction Selection, Velocity Checking)

 ·         GET DATA Command-Response APDUs

 ·         VERIFY Command-Response APDUs

 ·         GENERATE AC

 ·         Data Authentication (SDA/DDA/CDA)

 ·         Combined DDA/Application Cryptogram Generation (CDA

 ·         Kernel DB

 ·         Diagnostic report

 ·         Online result processing

 ·         Issuer script processing

 Kernel APIs

·         Application Selection

 ·         Initiate App Processing

 ·         Read Application

 ·         Offline Authentication

 ·         Process Restrictions

 ·         Card Holder Verification

 ·         Terminal Risk Management

 ·         Terminal Card Action Analysis

 ·         Host Processing

 ·         Parameter functions

 ·         Call-back APIs

 ·         Kernel Configurations

 L3 Applications

L3 application is a Payment Application that enables merchants to accept the transactions. The application covers the features of credit and debit, where this will be interfaced with kernel and payment gateway or any of the processors to certify the PNO transactions. L3 applications can be developed on Android devices.

Our Team helps and works closely with related companies, 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, Support, Maintain existing system and UAT.

To Know More,

Visit: https://www.girmiti.com/mobile_pos_emv.html

Mail Us: info@girmiti.com

[mouthshutreviews]

Custom POS Application & Software Development Company - Girmiti Software

Girmiti Software has expertise in consulting, designing, and developing SDK platforms for terminal manufacturers and has expertise in developing EMV PoS applications for terminal manufacturing partners. We also help them in getting certified with acquirer and leverage expertise in porting the SDK to new versions and new platforms like Linux OS. Our experience extends to working on drivers, embedded devices through working closely with Hardware manufacturers.

Our expertise in areas of testing, scripting on devices, platforms to test, helps customer products to be certified and successfully complete UAT with 3rd party vendors.

Our Team designed, developed and provided support for PoS applications on different terminal SDK platforms based on business requirements from different regional customers (APAC, EMEA, Canada, America).

Our team carries the expertise on Terminals and SDK expertise including:

• VeriFone (VOS, VOS2, Verix, Verix-V, eVo, Nurit-Lipman, Mx, Gemalto - Magic SDK)

• Ingenico (Inge-platform, Telium and Tetra series)

• Hypercom (Optimum series ODT, Thales)

• Castles (COTS)

• PAX (Proteus platform)

• Geodesic (Geo-Amida SDK)

• ExadiGm

• Geodesik

• ATOS

Types of PoS Application development undertaken (includes providing solution on open loop/closed loop environments):

• Credit/Debit

• EMV Contact, Contactless, Mobile

• DCC (Multi Currency support)

• Prepaid, Loyalty, Gift, Top-Up, Ticketing, transit, Sport events, Restaurants, sports, Health Care, Insurance etc.

• Financial Inclusion (Micro Finance)

• Cloud POS

• Device Signing, Remote Key Injection

Apart from the above listed business features, we have worked on interfacing POS devices with Cash Drawer, Wireless/Bluetooth Printer, Contactless Reader, Biometric, Barcode and Check scanner.

Our team carries the deep expertise in domain protocols, technology and supporting tools such as:

• ISO-8583/APACS protocol

• EPAS/Nexo

• TMS Support (VeriCentre, Inge-state, Term-master)

• Remote Key Injection

• Multi-Application (VMAC, App-Manager) compatibility

• Card Layout preparation & security

• Various communication support to the Host (PSTN/Dial-up - NAC, RAS, CDMA, IP/Ethernet, GPRS,) etc.

Support for card devices

Cards and Certification

• Mag-Stripe cards

• Contact Smartcards (EMV - ADVT, TIP, RuPay, AMEX, Discover, SCOSTA, MIFARE, M-chip)

• Contactless Smart Cards (EMV - qVSDC, PayPass, qSparc, DPAS, ExpressPay, CUP DesFire, DesFire-EV1 tags).

• EMV L2 certification for Contactless and Contact cards-based Reader and devices.

New Technology PoS Services

• Tap on Phone (mPOS)

• EMV QR

• Wallet Transactions

• Square (Mag-stripe audio-jack dongle) type reader driver interface with smartphones iPhone, Android

• Pass-through App for Contactless Reader

• Attendance and Access Control Apps on PoS to accept smart poster tags (NDEF, Des-Fire tags).

Our team works to optimize, analyze, design and build POS applications to provide business users, processors, acquirers, prepaid and 3rd party companies a robust system for their daily business or for access information.

POS applications that we build are using the following platforms and technologies

• C & C++

• Android Java

• QT

• VC++

Our team has developed POS custom application features & solutions for EMV/Non EMV & NFC such as –

• mPOS, Mobile Top up

• Credit / Debit, Gift & Loyalty

• Bill payments & interfaces with utilities

• Transit issuance/acquiring

• E Top Up Solutions, coupons

• Multi-currency, eCash

• Check, Biometric

• Kernel, Reader & driver

• Interfaces with mobile devices

Our team carries domain expertise in designing, developing, implementing POS Applications, interfaces for Processors & Terminals.

[noticias-enable]

23 de Febrero, 2021

Internacional

Evaden El PIN de las tarjetas contactless

Un ataque bastante novedoso mediante el cual es posible usar una tarjeta contactless Mastercard como si fuera una tarjeta VISA y sin necesidad de conocer ni siquiera el PIN. Esta técnica se aprovecha de vulnerabilidades en el protocolo EMV. El ataque se logra utilizando una aplicación de Android que implementa un ataque Man-in-the-Middle (MitM) sobre una arquitectura de relay, lo que permite que la aplicación no solo inicie mensajes entre los dos extremos: el terminal y la tarjeta, sino también interceptar y manipular las comunicaciones NFC (o Wi-Fi) para introducir maliciosamente una discrepancia entre la marca de la tarjeta y la red de pago.

 E.@. Dicho de otra manera, si la tarjeta emitida es de marca Visa o Mastercard, entonces la solicitud de autorización necesaria para facilitar las transacciones EMV se enruta a la red de pago respectiva. El terminal de pago reconoce la marca mediante una combinación de lo que se llama un número de cuenta principal (PAN, también conocido como el número de tarjeta) y un identificador de aplicación (AID) que identifica de forma única el tipo de tarjeta (por ejemplo, Mastercard Maestro o Visa Electron), y posteriormente hace uso de este último para activar un kernel específico para la transacción. 

Un Kernel EMV es un conjunto de funciones que proporciona toda la lógica de procesamiento y los datos necesarios para realizar una transacción EMV con o sin contacto. El ataque llamado "card brand mixup", en español "confusión de marcas de tarjetas", aprovecha el hecho de que estos AID no están autenticados en el terminal de pago, lo que hace posible "engañarla" para que active un kernel defectuoso y, por ende, que el banco que procesa los pagos en nombre del comerciante acepte transacciones contactless con un PAN y un AID que indican diferentes marcas de tarjetas. 

Sin embargo, el ataque requiere que cumpla una serie de requisitos previos para tener éxito: se debe tener acceso a la tarjeta de la víctima, además de poder modificar los comandos del terminal y las respuestas de la tarjeta antes de entregarlos al destinatario correspondiente. Lo que no requiere es la necesidad de tener privilegios de root o explotar fallos en Android para usar la aplicación de prueba de concepto (PoC).

 Fuente

[eazypaytech]

What is EMV Software and Its Key Components

In today’s digital age, payment security is paramount as cashless transactions surge globally. With this shift, businesses face heightened pressure to protect sensitive customer data. This is where EMV software steps in, offering a global standard that safeguards payment data through dynamic, encrypted interactions between chip-enabled cards and EMV-compliant terminals. This system is foundational for preventing fraud, as the chip generates unique transaction codes that thwart data breaches and unauthorized access.

What is EMV Software?

EMV (Europay, MasterCard, and Visa) software is a global standard for secure payment transactions that originated from Europay, MasterCard, and Visa (EMV). It facilitates communication between EMV-enabled payment terminals and chip-enabled cards, enhancing the security of card-present transactions. Unlike traditional magnetic stripe cards, which store static data, EMV cards contain embedded microchips that generate unique transaction data each time, making it nearly impossible for fraudsters to clone or misuse the card.

EMV Software Components

EMV software consists of various components that work together to provide a secure and efficient transaction process. Key components include:

EMV Kernel

The kernel is the core component of EMV software, responsible for managing communication between the card and the payment terminal. It interprets commands from the card, facilitating secure transaction processing. There are two types of EMV kernels:

Contact EMV Kernel: Used in terminals where the card is inserted, enabling direct communication.

Contactless EMV Kernel: Enables tap-and-go transactions, using NFC technology to communicate with the card.

Cryptographic Module

EMV transactions rely heavily on cryptography to protect data. The cryptographic module secures transactions by encrypting sensitive data and generating unique transaction codes, ensuring data cannot be reused by fraudsters.

Payment Application

This software component integrates with the EMV kernel to handle transaction management, authorization, and messaging. It manages the interaction between the EMV kernel, cardholder verification methods (such as PIN or signature), and the transaction host.

EMV Certification Support

Certification support tools and resources help developers and terminal manufacturers ensure compliance with EMV standards. These tools assist in navigating the certification process at each EMV level.

PCI DSS Compliance Tools

EMV software often includes features that support PCI DSS (Payment Card Industry Data Security Standard) compliance, helping merchants protect cardholder data and adhere to industry security requirements.

Tokenization and Encryption

Tokenization and encryption features minimize the storage of sensitive card data by replacing it with unique identifiers or tokens, further protecting the information from unauthorized access during transactions.

Levels of EMV Software Certification

EMV certification is divided into three levels, each focusing on different aspects of security and transaction processing:

EMV Level 1 Certification

This level focuses on the physical and electrical connection between the EMV card and the payment terminal. It certifies that the terminal hardware can interact correctly with EMV cards, ensuring secure electrical communication and reliable contact between the card and reader.

EMV Level 2 Certification

Level 2 covers the software components that handle chip transactions within the payment terminal. It ensures that the application software correctly processes EMV transactions, following international standards for data encryption, PIN verification, and secure communications.

EMV Level 3 Certification

Level 3 certification is specific to payment network requirements, verifying that a transaction is processed securely end-to-end. This level ensures compliance with network protocols (such as those from Visa, MasterCard, or American Express), allowing for transaction authorization and settlement in line with EMV standards.

EMV software plays an essential role in payment security by ensuring that each component of the transaction process from card insertion to transaction approval meets strict security standards. The three levels of EMV certification (Levels 1, 2, and 3) and various components like the EMV kernel, cryptographic modules, and compliance tools ensure that businesses can offer safe, compliant, and reliable payment solutions.

[eazypaytech]

From Compliance to Convenience: EMV Level 2 Kernels for Modern POS Systems

 As the payment industry advances, businesses must adopt secure, compliant, and adaptable solutions for processing transactions. The EMV Level 2 (L2) Kernel, a vital component in POS terminals, enables secure and seamless interactions with EMV chip cards. EazyPay Tech’s EMV Level 2 solution, supporting both Contact and Contactless transactions, is designed to meet evolving industry standards and offers EMV certification support to help businesses achieve compliance with ease.

Why EMV Level 2 Kernel Matters for POS Systems

An EMV Level 2 Kernel is essential for managing the transaction dialogue between a POS terminal and EMV chip cards. By enabling secure communication and facilitating card validation, EMV L2 Kernels ensure that POS terminals remain compliant with global EMVCo specifications.

Key Benefits

Security: EMV L2 Kernels enhance transaction security, reducing the risk of fraud by adhering to stringent EMV standards.

Universal Compatibility: Supporting multiple card schemes, including Mastercard, Visa ensures that POS systems are accepted globally.

Flexibility: EMV L2 Kernels provide compatibility with both contact and contactless card readers, adapting to varied consumer preferences.

EazyPayTech’s EMV Level 2 Kernel Solutions

EazyPay Tech offers a versatile EMV Level 2 Kernel solution compatible with the latest EMVCo specifications for Contact and Contactless transactions, which enhances both security and user experience.

1. Contact Kernel

The EMV Contact Kernel processes chip card transactions with optimized speed and reliability. This solution supports major brands like Mastercard, Visa can integrate additional brands upon request.

2. Contactless Kernel

EazyPay Tech’s EMV Contactless Kernel supports tap-to-pay transactions, meeting both EMV Co standards and brand-specific requirements. With compatibility for Mastercard, Visa it’s future-ready to support next-gen payment methods.

Comprehensive Certification and Testing Support

EazyPay Tech’s EMV Level 2 Kernel solution includes certification and test support, easing the complexities of achieving compliance. Key services include:

EMV Certification for POS Terminals – Ensures all POS terminals comply with EMV standards.

POS Hardware & Software Certification – Verifies that both hardware and software components meet EMV compliance standards.

EMV Compatibility Testing – Conducts tests to confirm operability across diverse POS setups.

Level 2 Kernel Certification – Guides the L2 Kernel certification process for seamless regulatory compliance.

What Sets EazyPayTech Apart

EazyPay Tech’s solutions offer key advantages for businesses seeking reliable, compliant POS solutions:

Tailored Customization – Solutions can be adapted to meet unique brand-specific requirements.

Future-Ready Technology – Designed to evolve with the latest payment standards, ensuring long-term compatibility.

Streamlined Certification Process – EazyPay Tech’s certification support simplifies compliance, allowing businesses to focus on operations.

Simple Integration Process

Integrating EazyPay Tech’s EMV Level 2 Kernel solutions involves five key steps:

Requirement Assessment – Evaluating your specific needs for brand compatibility and transaction types.

Kernel Selection & Configuration – Choosing and configuring the appropriate Contact or Contactless Kernel.

Certification Support – Working with certification bodies to ensure full compliance.

Testing & Validation – Rigorous testing to confirm real-world performance.

Deployment & Support – EazyPay Tech provides ongoing support and updates, ensuring smooth operation.

In an increasingly digital and secure payment environment, EMV Level 2 Kernels are essential for compliant and efficient POS systems. EazyPay Tech’s comprehensive solutions simplify integration, streamline certification, and provide robust support for businesses to offer secure and seamless payment experiences. To learn more about EazyPay Tech’s EMV Level 2 Kernel solutions and certification support, connect with our team today. 

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html

Mail Us: info@girmiti.com

[girmiti-software-solution]

Girmiti Software Payment Gateway Certification and EMV Certification

Girmiti Software’s Certification team has expertise in the certification of Payment solutions on EMV Kernel, HCE, Digital Issuance, Nexo Fast, Nexo Acquirer, Nexo Retail, Nexo TMS, Issuance, Payment Gateway, Processor, customer L2, L3 devices, readers which interface with payment host systems. Our team works closely with customers in getting the certifications done based on defined specifications given by the customers and their partners.

We also work with product companies to build support through kernel platform to help them in getting certification for devices, readers and payment systems.

Certification of HCE

Certification with the Card Issuing systems

Certifying with Digital Wallet Platform

Certifying with Token Manager Platform

Certification for Contact EMV Cards

Level 2 questionnaire Filing (ICS for Master Card) on behalf of the customer

Usage of Smart-Spy tool for log capturing, ADVT cards, MTIP and Inter-Op cards to analyse the test script behaviour with the application to be certified

Analysis and testing of the EMV application for the various scenarios set and submission to the card association point of contact

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 with Payment Host and Schemes

Certification for NFC / Contactless Cards

Usage of Smart-Spy tool, Visa - qSDC, qVSDC cards, VpTT, MasterCard (PayPass), M-Chip cards to analyse the test script behaviour

Execution of the questionnaire test cases

Co-ordination with the development team for the feedback for the off-line-logs from Visa/MC and re-submission of the updates logs

L3 App for tPOS and mPOS devices

Contact & Contactless certification support

Our team has expertise in using a spy tool with a subset of cards from VISA and MasterCard.

Below are details of the kits and technologies that will be used for contact and contactless firmware and payment systems as part of the testing and certification process.

Visa ADVT, MasterCard TIP - M-TIP & MasterCard TIP – InterOp

The kit includes & supports, ADVT cards set along with a booklet containing test card script details to execute VISA requirement for EMV-Contact cards.

Checking PG and POS compliance with MasterCard M/Chip program.

Checking terminal interoperability to specific MasterCard cards.

Visa CDET, VpTT, MasterCard TIP & MasterCard NIV

Test cards for Visa acquirer device compliance testing (contactless).

Test cards to validate compliance of PayPass M/Chip terminals with MasterCard PayPass TIP requirements.

Test cards to validate compliance of Magstripe terminals with MasterCard PayPass Magstripe & PayPass Magstripe Debit.

Certification of EMV Gateway

The EMV Payment server application has to be certified with the EMV ready devices, readers or Mobile POS, so as to enable them to process EMV transactions. Based on the host and device specification, our team writes the test plan, test cases for the required transaction set, protocol, configuration, and administration and support tools. Executes the test cases and certifies the device for the gateway. Also, the Certification team helps our customers in the certification of the applications with the Processors, Banks, 3rd Party Certification Authorities and the Card Associations. Provides certification support for acquiring online transactions i.e. both e-commerce and m-commerce. Our team has expertise is testing and certifying the Nexo standards such as Nexo Acquirer, Nexo Fast, Nexo Retail, and Nexo TMS.

Certification for Payment Processors

Our team has the expertise and help Processors to offer EMV transactional support and to get them certified with 3rd Party Networks, VISA, MC or any other schemes that the customer has partnered with; based on the network.

Certification for EMV Issuance

We have expertise in implementing EMV card personalization solution for Issuance. The team understands the specifications and helps in certifying the product/solution for contact, contactless issuance with respect to mobile and other physical issuance instruments.

To Know More About Us:

Visit: https://www.girmiti.com/certification.html