EmvFAQ.docx
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EmvFAQ.docx
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EmvFAQ
General
1.WhatisEMVCo,andwhatisitsrole?
2.WhoarethemembersofEMVCo?
3.WhataretherolesoftheInternationalPaymentSystems?
4.WhodoIcontactwithqueriesregardinginterpretationandapplicationoftheEMVspecifications?
5.IsthereanEMVCohelp-lineIcancall?
6.WhatisthepurposeofthemailingregistrationfacilityandhowcanIregister?
7.HowaretheEMVstandardsmaintained?
8.HowdotheEMVspecificationsfitinwithotherinternationalstandards?
9.WhatdoestheEMVCoapprovalactivitycover?
10.DoesEMVCosupportchipcardmigration?
11.HowdoesEMVCoseekinputfromtheusercommunity?
12.HowdoIregisterachangeinmyCompanyNamewithEMVCo?
13.WhatrestrictionsapplywithrespecttouseoftheEMVTrademark?
1.WhatisEMVCo,andwhatisitsrole?
EMVCo,LLC,wasformedinFebruary1999byEuropayInternational,MasterCardInternationalandVisaInternationaltomanage,maintainandenhancetheEMV™IntegratedCircuitCardSpecificationsforPaymentSystems.
EMVCo'sprimaryroleistomanage,maintainandenhancetheEMVIntegratedCircuitCardSpecificationswiththeobjectiveoftoensureensuringinteroperabilityandacceptanceofpaymentsystemintegratedcircuitcardsonaworldwidebasis.
EMVCoisalsoresponsiblefortypeapprovalprocesses,whichincludeterminalcompliancetesting,aswellasCommonCoreDefinitions(CCD)andCommonPaymentApplication(CPA)cardcompliancetesting.ThesetestingprocessesensureasingleterminalandcardapprovalatalevelthatwillallowcrosspaymentsysteminteroperabilitythroughcompliancewiththeEMVspecifications.
2.WhoarethemembersofEMVCo?
ThecurrentmembersofEMVCoareAmericanExpress,JCB,MasterCard,andVisa.EachoftheseorganizationsownsanequalshareofEMVCoandhasrepresentativesintheEMVCoorganizationatthemanagementandworkinggrouplevels.
3.WhataretherolesoftheInternationalPaymentSystems?
EachpaymentsystemmemberparticipatesinEMVCoactivitiesonanequalbasis.Eachactivityisassignedtoworkinggroupsinwhichallthemembershaverepresentatives.Alldecisionsaremadeonaconsensusbasisamongthememberorganizations.
4.WhodoIcontactwithqueriesregardinginterpretationandapplicationoftheEMVspecifications?
AllqueriesregardinginterpretationandapplicationoftheEMVspecificationsshouldbedirectedthroughthe"ContactUs"facility,whichisavailableontheEMVCowebsite-.
5.IsthereanEMVCohelp-lineIcancall?
EMVConeitheroperatesahelp-linefacilitynorprovidesdirectcontactinformation.AllquestionstoEMVCoshouldbesubmittedusingthe"ContactUS"'facilityavailableontheEMVCowebsite-
6.WhatisthepurposeofthemailingregistrationfacilityandhowcanIregister?
TheEMVCoMailingListregistrationfacilityensuresthatyoureceiveautomaticnoticeswhenanynewinformation,suchasSpecificationUpdatesorWhat'sNewitemsarebeenpostedonthewebsite.Toregister,enteryourcontactinformationviathe'MailRegistration'facility,whichisavailableontheEMVCowebsite-
7.HowaretheEMVstandardsmaintained?
SincetheEMV’96Version3.1.1release,EMVCohaspublishedEMV2000Version4.0inDecember2000and,mostrecently,Version4.1inMay2004.Inadditiontoperiodicallypublishingupdatedversionsofthespecifications,EMVCoissuesclarifications,correctionsand/orchangestothespecificationsandcommunicatestheseviabulletins,errataandapplicationnotesontheEMVCowebsite.
8.HowdotheEMVspecificationsfitinwithotherinternationalstandards?
TheEMVSpecificationsarebuiltupontheexistingISO7816seriesofstandardsforIntegratedCircuitCardswithContacts.
TheISO7816standardsweredevelopedbyaninter-industrygroupandcontainvariousoptionsapplicabletomultiplesectors.TheEMVCoSpecificationscontainaselectionofoptionstakenfromtheISO7816standardsthatarerelevantforthefinancialsector.
Throughpaymentsystemsrepresentatives,EMVCopromotesandendeavorstoharmonizethestandardizationworkbyactivelycontributingtotheISOstandardsdraftingprocessinordertoensureongoingcompatibilitybetweentheISOstandardsandtheEMVspecifications.
9.WhatdoestheEMVCoapprovalactivitycover?
EMVCohascompiledandpublishedasettestrequirementsandtestcasesfortheterminal-to-chipcardinterface(level1)andforthepaymentapplication(Level2).Furthermore,EMVCohasaccreditedlaboratoriestoprovidetestingservicestoterminalvendorsandapplicationproviders.AttheconclusionoftheapprovalprocessEMVCoissuesaLetterofApprovalandlistsapprovedproductsontheEMVCowebsite.
10.DoesEMVCosupportchipcardmigration?
EMVCoisnotinvolvedinpromotionofchipmigration.Chipmigrationstrategiesaretheresponsibilityoftheindividualcardschemes.
11.HowdoesEMVCoseekinputfromtheusercommunity?
EMVCoutilizesacommentfacilityonitswebsitewhichisopentothepublictosubmitsuggestionsforimprovementtothespecifications,reportanyissuesidentified,orposeanyquestions.
Inaddition,EMVCoholdssemi-annualAdvisors’meetings,consistingofseniorrepresentativesfromcountriesimplementingchipcardsolutions,tosolicitfeedback,promotediscussion,andshareexperiences.
ThegoaloftheAdvisorsistoprovideaforumtodevelopacommonunderstandingforglobalacceptanceofchipcardsissuedbythefinancialservicesindustry.Whileadvisoryincapacity,itdoesprovideanessentialcommunicationlinktotheEMVSpecificationsdevelopmentprocess.
Anycountrythatis"chip-active"andpromotestheEMVchipcardspecificationscanrequesttoberepresentedontheAdvisors’group.
12.HowdoIregisterachangeinmyCompanyNamewithEMVCo?
IfacompanywithexistingEMVCoapprovedproductschangesitsname,thenamechangewilltransferallapprovalsissuedundertheoldcompanynametothenewone.Thefollowingprocedureisrequiredtoaccommodatethechangerequest:
1.Thecontactpersonassociatedwiththeoldcompanynameisrequiredtoprovideinwritingtheauthorizationofthetransfer.ThisistobeawrittenletteronofficialcompanyletterheadandsenttoEMVCoattheaddressbelow.Ifthecontactpersonisnolongeremployedatthecompany,thenanewcontactmustbeappointed.Theinformationrequiredisthefollowing:
oOldCompanyName
oExistingRegistrationNumber(Thiswillremainunchangedforthenewcompanyname)
oTypeApprovalLevel(1or2)
oNewCompanyName(withAddress,Contact,PhoneandFaxnumbers)
2.Anewcontractmustbecompletedunderthenewcompanyname.SeetheformssectionontheEMVCowebsite.
13.WhatrestrictionsapplywithrespecttouseoftheEMVTrademark?
BelowisabriefoverviewofEMVCo'spolicyasitrelatestoitstwotrademarks.ThesemarksconsistoftheEMV(tm)wordmarkandtheEMVCologo.PleasereviewtheentireEMVCoMarkUsageGuidelinesbeforeusingeitheroftheEMVCotrademarks.
EMV(tm)WORDMARK
ThetrademarkrelatedtotheEMVIntegratedCircuitCard,Terminal,ApplicationandSecuritySpecificationsforPaymentSystemsistheEMV(tm)wordmark,whichisusedwhenreferenceismadetotheEMVspecifications.
EMVCoLLCwillmonitortheuseofthismarkaspartofanon-goingprocess,andwilltakewhateverstepsarenecessarytoensurethattherearenoimproperorillegalusesoftheEMV(tm)trademark.Notethatanyuseofthetrademarkalsorequirestheusertoproperlyattributeownership,forexample:
\"EMV(tm)isatrademarkownedbyEMVCoLLC.\"
AnytimethatacompanyoranyotherentityreferstoEMV(tm),itmustbeformattedexactlyasshownhere,andnotincludeparentheses,commasoranyothermodification.Thetrademarkdenotationsymbol\"TM\"shouldappearatleastonceineachpieceoftextpage,typicallyafterthefirstuseofthemarkonthefirstpageoftext.
WheretheEMV(tm)wordmarkisusedbyanybodyotherthanEMVCoLLC,itsuseshallneverimplyauthorizationorendorsementbyEMVCoLLC,norwillitimplythattheunauthorizeduserhasobtainedEMVCoapprovalforanyofitsproducts.AnyclaimthataparticularproductisapprovedbyEMVCo,canbeverifiedbyrequestingtheEMVColetterofapprovalassociatedwiththeproductfromthevendorand/orbycheckingtheapprovedproductlistontheEMVCowebsiteat.
EMVCoLOGO
TheEMVCoLogoisadesignmarkforexclusiveusebyEMVCoLLCandmaynotbeusedbyanybodyotherthanEMVCoinconnectionwiththeEMV(tm)specifications,supplementaryspecifications,aproductorimplementationsupportingit,orforanyreasonwhatsoever.WheretheEMVCoLogoisusedbyanybodyotherthanEMVCoLLC,itsuseshallneverimplyauthorizationorendorsementbyEMVCoLLC,norwillitimplythattheunauthorizeduserhasobtainedEMVCoapprovalforanyofitsproducts.
Security
1.Forhowlongareexistingkeylengthslikelytobeused?
2.Whatistheprocessforreviewingthelifespanofkeylengths?
3.DoesEMVusex.509publickeycertificates?
4.WhatistheEMVCopositiononellipticcurvesorotheralternativecryptography?
5.WherecanIfindotherdocumentationthatwillhelpmeunderstandthesecurityissuesrelatingtoEMV?
1.Forhowlongareexistingkeylengthslikelytobeused?
AttheendofeachyearEMVComakesrecommendationstothePaymentsSystemsregardingexpirydatesofPaymentSystempublickeys.TheserecommendationsarepublishedinEMVCoNoticeBulletinsthatareavailablefromtheBulletins/NoticessectionoftheEMVCowebsite.
2.Whatistheprocessforreviewingthelifespanofkeylengths?
EveryyearEMVCoexecutesareviewofthesecurityofRSA.Basedonthat,arecommendatio
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