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UL adds new features to payment personalization validation tool

The tool can check any application for EMV cards, secure elements or cloud-based payments according to the latest specs from major card schemes, UL says.

January 6, 2015

UL has released the latest version of its product for EMV and cloud-based payment product personalization validation: the Collis EMV Personalization Validation Tool 4.0.

According to a UL press release, the updated version includes new features and added functionality. Besides physical payment cards, EMV PVT 4.0 now also supports testing of mobile applications based on HCE, the cloud, eSE, UICC and mSD, as well as NFC tags, smart watches or any other form factor an issuer would like to use to issue a payment product.

The new functionality also supports testing of different types of cryptography on a card — online, offline, CBP, PIN verification and e-commerce.

Any application for EMV cards, secure elements or cloud-based payments can be checked according to the latest test specifications from EMVCo, MasterCard, Visa, American Express, JCB, Discover, Union Pay and others.

With one click, the user can store, validate, retrieve, and examine all personalization data for EMV smart card applications such as chip, magnetic stripe, embossing data, asymmetric keys and PIN, the release said.

The tool has been developed in close cooperation with VISA, MasterCard and JCB, and is officially confirmed and used by Visa and JCB, the company reports. It is also the first tool officially qualified as a MasterCard Card Personalization Validation Test Tool to prepare the formal certification.

UL is the only company to support testing of the personalization of mobile applications from MasterCard and Visa for cloud-based payments and other secure element-based payment applications, the release said. U.S. debit-related profiles and specifications are also supported in 4.0.

According to Maxim Dyachenko, service line manager for test tools in the UL Transaction Security division:

[This comprehensive flag ship product] fits seamlessly with other UL payment test tools covering the testing of personalization of mobile applications for cloud-based payment and other secure element- based applications. For example, using the Collis EMV PVT 4.0 in combination with the Collis Host Test would enable an issuer to test their HCE and tokenization implementation end-to-end.