• Best-in-class Payment Industry Products and Services.

The B2 Expert EMV & Contactless Course is a world-leading, full 3-day knowledge packed seminar. The course will give the attendees in-depth expertise on EMV and contactless form factors, acceptance devices, transaction processing, card and terminal architectures, "do’s and dont's" and best practices. Knowledge gained can be applied immediately to any EMV and/or Contactless project.

B2 Expert EMV & Contactless - 3 Days

Day 1

Introduction to EMV

This presentation starts with a short introduction on what is EMV and the issues around fraud in the payment industry that lead for this change. Through the presentation the attendees will get a better understanding of the various fraud issues and how EMV should not be looked at as a goal but rather used as an instrument.

 

Introduction to Contactless Payments

What are Contactless and Mobile payments? Some of the main topics covered include:

  • What is contactless technology?
  • What is NFC?
  • Why contactless?
  • Contactless brands and "flavors".

 

EMV Specifications, Testing and Certification

Now that the attendees are familiar with the concepts of EMV, it is time to have a look at the EMV specifications, the testing and certification processes. Since the EMV specifications are payment terminal specifications, the focus in this presentation will be on EMV payment terminals and how they are perceived through the eyes of EMVCo, the central body governing the EMV specifications. This presentation includes:

  • EMV terminal certification (Level 1 & 2)
  • Terminal brand approval – testing and certification
  • Tools and cards needed for the testing and certification of the various schemes.
  • Relationship between the EMV specifications and the specifications of the payment schemes (e.g. VIS1.4.0, M/Chip 4 etc.)

 

CTLS Specifications, Testing and Certification

Now that the attendees are familiar with the various contactless concepts, it is time to have a look at the various contactless specifications, the testing and certification processes. Since there are several contactless specs (unlike EMV), the focus in this presentation will be on the contactless payment application on both the terminal and the card and how they are perceived through the eyes of EMVCo, the central body governing the EMV specifications and the major brands who have created specification unique to their contactless products. This presentation includes:

  • EMV Entry Point certification
  • Terminal brand approval – testing and certification
  • Tools and cards needed for the testing and certification of the various schemes.
  • Relationship between the EMV specifications and the Contactless specifications of the payment schemes (e.g. VIS1.4/1.5, M/Chip 4/Advanced, etc.)

 

EMV Functional Transaction Flow

This presentation explains in clear, non-technical terms the ‘EMV transaction flow’. During this presentations, many aspects of EMV payment schemes will be put in perspective, such as:

  • How does EMV handle offline and online transactions?  What security measures can be taken?  What are the advantages and disadvantages?
  • Does EMV really protect us against skimming fraud?
  • What is issuer scripting?  When can it be used?

 

Questions and round up - day 1

Day 2

Contactless Functional Transaction Flow

This presentation explains in clear, non-technical terms the ‘Contactless Transaction Flow’. During this presentation, many aspects of Contactless payment schemes will be put in perspective, such as:

  • Magstripe vs. EMV grade contactless?
  • Functional differences between payWave, PayPass and Expresspay

 

Cryptography and Key Management (EMV & Contactless)

Cryptography, EMV and Contactless are topics that are often associated with one another. No wonder, because it is the cryptography that makes EMV-based and Contactless based payment transactions secure! This presentation explains what cryptography is and how it is applied within EMV contact and contactless, Magstripe Contactless (key management, asymmetrical/symmetrical cryptography, key distribution, dos and don’ts, Offline and Online Cryptography such as ARQC/ARPC, SDA/DDA/CDA, etc.)

 

EMV Technical Transaction Flow

This presentation covers in technical detail the EMV transaction flow between card, terminal (POS and/or ATM), acquirer host, payment network, and issuer host. All relevant techniques (SDA, DDA, CDA, Issuer Scripting, etc.), data-elements, and terminology (CDOL, Issuer Action Codes etc.) are explained. Special attention is paid to the EMV commands, the card file structure, risk management and the different card features between Visa and MasterCard.

Day 3

EMV Technical Transaction Exercises

During this session, the attendees will carry out several EMV exercises. Using the information gathered during the training, the attendees are asked to analyze a specific transaction failure, determine EMV transaction performance (how many seconds does an EMV transaction last), etc. These exercises are not an exam. The exercises are meant to help the attendees learn how they can solve complex EMV issues using the information in their training materials and the EMV specifications.

 

CTLS Technical Transaction Flow

This presentation covers in technical detail the various contactless transaction flows (Visa and MasterCard only) between card, terminal, acquirer host, payment network, and issuer host. All relevant techniques (SDA, CDA, Issuer Scripting, etc.), data-elements, and terminology (CDOL, Issuer Action Codes etc.) are explained. Special attention is made to the differences between Magstripe and EMV grade Contactless. Further, the differences between Visa payWave and PayPass are described in detail.

 

NFC Case Studies

During this session we will cover several case studies of Contactless and NFC projects from around the world.

 

Intended Audience

The B2 Expert EMV & Contactless Course is suitable for people with a technical view/background. The subjects will be presented and discussed using technical terms and the course will provide a good understanding of what happens ‘under the hood’ in an EMV Contact and Contactless infrastructure.