EMV® Global Payment Specifications Subtitle Or Event Name

Home , BC Card, Elo (card association), Ingenico, UnionPay

An Introduction to EMVCo Brian Byrne, Director of Operations, EMVCo 2 May 2019 Elements of a Secure Payment Transaction

†Figures represent the latest statistics from ‡Figures represent the percentage of all card-present Transactions processed by each member institution that are EMV transactions (Contact or Contactless). The American Express, Discover, JCB, MasterCard, reported data is from the twelve months of July 2017 through June 2018 and represents the most accurate possible data that could be obtained by America Express, UnionPay and Visa, as reported by their Discover, JCB, MasterCard, UnionPay, and Visa during this period. To qualify as an “EMV Transaction” for the purpose of this methodology, both the card and terminal member institutions globally. used during a transaction must be EMV-enabled. Data is reported from the acquirer perspective. These figures do not include offline transactions, “on us” transactions (defined as a transaction handled exclusively by another processor), and/or transactions processed by non-EMVCo-member institutions, such as local schemes.

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. Copyright ©2017©2019 EMVCo – Unauthorised reproduction is prohibited The EMV trademark is owned by EMVCo. 4 EMVCo – Supporting the Evolution of Payments

8. CDCVM

9. Secure Remote Commerce

Facilitate the worldwide interoperability of secure payment transactions by publishing the EMV Specifications and their related testing processes

EMV adoption enables the payments community to: • Support payment security and transaction risk management • Enhance security, interoperability and acceptance of EMV based payments globally • Deliver innovative payment solutions

EMV Specifications are made available on a royalty-free basis

Whether a consumer is using a card or a phone or shopping online, EMVCo and the EMV® Specifications exist so a payment product issued in one country can be securely accepted in another

What EMVCo Does What EMVCo Does Not Do (Managed by Global, Regional and Domestic Payment Networks)

Product development and implementation Create and publish EMV® Specifications certification

Facilitate testing and approval of EMV Mandates or compliance elements of products and solutions

Enhance payment security Commercial incentives

Support specifications and testing for Fraud liability shift policy emerging payment technologies

• American Express • EMVCo Associates • Discover Programme • JCB • EMVCo Subscriber meetings • Mastercard Industry • Partnership & liaison • UnionPay Member- engagement activity • Visa Owners

Information Interactive • Website sharing forums • Speaking • LinkedIn engagements • Press releases • Panels • Specifications • Webcasts • White papers • Webinars

Members Democratic Open and Accessible Any interested party is able No individual member to join as an EMVCo controls EMVCo’s decision- Technical Associate or Subscribers Advisors making process Subscriber

EMVCo

Industry Input Advance Access Industry Technical partners Associates Business and Technical Subscribers receive advance Associates provide guidance insight on EMVCo activities, and input on EMVCo activity, get help and guidance from Business and receive information on EMVCo and eligible to attend Associates new developments annual user meeting

Banks, merchants, processors, vendors and other industry stakeholders from across the world participate as EMVCo Business and Technical Associates to develop, enhance and evolve the EMV® Specifications.

Business Associates (25)

Bank of America ANZ Bank of America BC Card BPCE Merchant Services

Bundesverband Cartes Bancaires Checkout Ltd. Conexxus Credit Mutuel deutscher Banken

Dutch Payments European Card European Payments equensWorldline EURO 6000, S.A. Association Payment Association Council

Financial Software & Merchant Advisory Systems (FSS) Merchant e-Solutions PASA Redsys Group (MAG)

Shopify SIA-SSB STET Swedbank Target

^ Participation as of 5 April 2019

Technical Associates (27)

Ant Financial CA Technologies Consult Hyperion CTC advanced GmbH Everi Services Group

Fujian LANDI Commercial Feitian Technologies FIME FIS Ingenico Terminals Equipment Co.

NCR Financial Solutions Modirum Netcetera Nets DK NTT DATA Corporation Group

Panasonic Mobile PAX Computer PAAY Rambus RSA Communications Technology

Toshiba Global Tencent ThreatMetrix TRUXTUN Capital TÜV SÜD Commerce Solutions

UL Verifone

^ Participation as of 5 April 2019

Copyright ©2017©2019 EMVCo – Unauthorised reproduction is prohibited 15 Current EMVCo Dual Associates Dual Associates (38) Australian Payments Adyen Amazon AsiaPay Barclaycard Network Bankalararasi Kart Carrefour Banque Cartao Elo Citi EFTPOS Australia Merkezi Expedia First Data FrenchSys Global Payments, Inc. Google

National Credit Card Interac Corp. JP Morgan Chase Microsoft Moneris Solutions Center of R.O.C.

National Payments PAN-Nordic Card NMI NSPK Poste Italiane Corporation of India Association

Saudi Arabian Sony Interactive SHAZAM Soft Space Square Monetary Authority Entertainment LLC

SRC Research Stripe The Clearing House TSYS U.S. Bank

Verve International WIBMO Worldpay

^ Participation as of 9 April 2019

• EMVCo is increasing its outreach and information sharing through the use of pre-recorded presentations • Already Available: – EMVCo Overview – EMV® Payment Tokenisation: What’s New? – Wearables Testing – EMV® Secure and Frictionless Mobile Commerce – EMV® 3-D Secure “App-Based Demo” – Payment Account Reference (PAR) – EMV® 3-D Secure – Mobile Level 1 / Contactless Mobile Payment Approvals – EMV® Secure Remote Commerce • Watch them on the EMVCo website at: – https://www.emvco.com/about_emvco.aspx?id=277

Official specification & supporting material portal

FAQs general & technical

Seminar & meetings details

EMVCo approved products & accredited labs

White papers & best practice guides

To stay up-to-date and get the latest details, become an EMVCo Associate or Subscriber