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Amex Quick Chip Technical Manual

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Amex Quick Chip Technical Manual Amex Quick Chip Technical Manual July 2019 Version 1.2 AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL The policies, procedures, and rules in this manual are subject to change from time to time by American Express Global Network Services. © 2019 American Express Travel Related Services Co., Inc. All Rights Reserved Page 2 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL Table of Contents 1 SUMMARY OF CHANGES....................................................................................................... 6 2 INTRODUCTION .................................................................................................................... 7 2.1 Intended Audience ............................................................................................................. 7 2.2 Document Structure ........................................................................................................... 7 2.3 References ........................................................................................................................ 7 2.4 Use of Terms ..................................................................................................................... 8 3 AMEX QUICK CHIP ................................................................................................................ 9 3.1 Ba ckground ....................................................................................................................... 9 3.2 What is Amex Quick Chip? ................................................................................................. 9 3.3 The American Express Integrated Circuit Card Payment Specifications (AEIPS) ...................10 4 AMEX QUICK CHIP PROCES SI NG .........................................................................................11 4.1 Overview ..........................................................................................................................11 4.2 Proce ssing Summa ry ........................................................................................................12 4.3 EMV Functions Not Performed ...........................................................................................12 5 AMEX QUICK CHIP REQUIREMENTS .....................................................................................14 5.1 Terminal Requirements .....................................................................................................14 5.2 Acquirer Requirements......................................................................................................15 5.3 Issuer Requirements .........................................................................................................15 6 IMPLEMENTATION CONSIDERATIONS ..................................................................................16 6.1 Merchant ..........................................................................................................................16 6.1.1 Merchants Eligible for Implementing the No Signature/No PIN Program ................................16 6.2 Acquirer / Processor .........................................................................................................18 6.3 Issue r ...............................................................................................................................19 APPENDIX A : GLOSSARY AND ACRONYMS ...............................................................................20 Page 3 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL List of Figures Figure 1: Processing Overview .................................................................................................. 11 Page 4 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL List of Tables Table 1: Reference Documents ................................................................................................... 8 Table 2: Terminal Requirements................................................................................................ 14 Table 3 : Acquirer Requirements ............................................................................................... 15 Table 4: Issuer Requirements.................................................................................................... 15 Table 5: Transaction Processing Scenarios & Impacts to Merchant & Card Member experience . 17 Table 6: Post EMV Processing Card Member Verification Requirements.................................... 18 Page 5 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL 1 Summary of Changes The following reference table highlights the revisions included in this manual. INTRODUCTION Verision Subject Revision Certification Removal of mandatory Terminal certification for existing certified AEIPS EMV 1.1 requirements, terminals introducting Amex Quick Chip functionality . throughout. 1.2 Provisional Updated to : amount • Allow for provisional transaction amounts that exceed the No Signature/No requirements PIN threshold. • Support post EMV CVM processing, for provisional amounts • Reflect that signature capture on receipts is optional Page 6 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL 2 Introduction As a leading global payments network, American Express is focused on helping our partners get the most INTRODUCTION out of the technologies they need to stay competitive. To address the need to improve perceptions around the speed of EMV®1 Chip Card transactions in the U.S.2, American Express offers support of Amex Quick Chip. Amex Quick Chip enables Card Members to dip their Card at anytime during the checkout process and remove it before the transaction is completed — significantly improving Card Members’ perception of payment transaction speed and streamlining the checkout experience, while providing the security benefits of an EMV Chip Card transaction. Merchants that choose to implement Amex Quick Chip should take into account the considerations and specific implementation tradeoffs highlighted in Section 6. 2.1 Intended Audience This document is intended for: . American Express personnel . Terminal vendors . Merchants who are approved to accept American Express Cards as payment for goods or services and approved to submit files to American Express for payment . Programmers working on behalf of a Merchant . Authorized third-party processors . Acquirers . Issuers of EMV Contact Chip Cards 2.2 Document Structure This document provides an introduction to Amex Quick Chip, the requirements implementers need to adhere to, and the considerations for parties impacted by its implementation. To the maximum extent permitted by law, American Express does not make and hereby disclaims any and all representations, warranties, and liabilities, whether express or implied, or arising by law or from a course of dealing or usage of trade, including implied warranties of merchantability or fitness for a particular purpose or any warranty of title or non-infringement. You must comply with laws and regulations applicable to the subject matter of this document. These laws and regulations can differ from country to country, and you are solely responsible for being aware and adhering to them in all countries where you implement this document. 2.3 References Readers should also reference the following documents to fully understand the American Express EMV requirements. 1EMV® is a registered trademark or trademark of EMVCo, LLC in the United States and other countries. 2Currently, Quick Chip can only be utilized or enabled by merchants, processors, and vendors on terminals being deployed for use in the U.S. Page 7 of 21 July 2019 © 2019 American Express. All Rights Reserved AMERICAN EXPRESS AEIPS QUICK CHIP TECHNICAL MANUAL Table 1: Reference Documents Abbreviation Full Document Name Audience INTRODUCTION [EMV 4.3] EMV ICC Spec if ic ations for Payment Systems, version 4.3, November All 2011 [ATTM 4.3] A EIPS Terminal Technical Manual All [ATG] AEIPS Terminal Guide All [AG] Acquirer Chip Card Implementation Guide All [NSNP] American Express EMV No Signature/No PIN Program Guide All [NW] Netw ork Specification* Netw ork Partners [A CQ] o American Express Global Credit Authorization (GCAG ISO) guide** o Terminal Vendors o American Express Global Credit Authorization guide (GCAG XML o Merchants format)** o Programmers o American Express Global Electronic Data Capture (GEDC) guide** w orking on behalf of a Merchant o American Express Global Host Data Capture (GHDC) guide** American Express Global Financial Settlement Guide (GFSG)** o Authorized Third o Party Processors *The American Express Network Specification defines the authorization and settlement data messaging requirements for participants operating across the American Express Network. Implementers of Amex Quick Chip should also reference any additional country or Acquirer specific messaging specifications relevant to their implementation. ** The American Express Acquirer Specifications define the authorization and settlement data messaging requirements for Acquirers and processors of American Express transactions. Implementers of Amex Quick Chip should also reference any additional country or Acquirer specific messaging specifications relevant to their implementation. 2.4 Use of Terms Throughout
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