EMV - The Global Standard
Today a magnetic stripe card generally provides individual functions such as payment access to a savings or checking account (debit card) or payment access to a line of credit (credit card). With the introduction of smart cards, payment can be combined with other value added applications such as loyalty, identity, transportation, e-purse and e-commerce on a single card.
According to EMVCo, approximately 1.6 billion EMV cards have been issued globally and 22 million POS terminals accept EMV cards. The primary purposes of including a chip in a bank card are to store cardholder data securely, protect data stored on the chip against unauthorized modification, and reduce the number of fraudulent transactions resulting from counterfeit, lost, and stolen cards.
The purpose of this paper is to provide an overview of EMV, its specifications and certifications, and explain how Wincor Nixdorf integrates its products with EMV and the market.
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