EMV Migration Forum Provides Guidance on ATM Implementation of U.S. Common Debit AIDs in Updated White Paper
Princeton Junction, N.J., June 16, 2015 – In order to help ensure that an ATM can process transactions using U.S. Common Debit AIDs, the EMV Migration Forum today announced an update to the white paper, “Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community,” that adds guidance on the use of the U.S. Common Debit AID in various ATM transaction scenarios.
As the U.S. migrates its payments infrastructure to EMV chip cards, facilitating routing of U.S. debit card transactions to multiple payment networks required by the current regulatory industry landscape is an important consideration. The EMV Migration Forum Debit Technical Working Group previously published the “U.S. Debit EMV Technical Proposal,” which provided a technology framework for processing U.S. debit card transactions based on a U.S. Common Debit AID.
The typical implementation of a debit card with a U.S. Common Debit AID, at least in the early phases of the U.S. EMV migration, will involve a card with two AIDs: a payment network-specific, globally recognized AID and a U.S. Common Debit AID. More than one payment network has defined a U.S. Common Debit AID for use by the industry. Each of these payment networks supports the processing model outlined in the Forum’s technical proposal.
The updated white paper, focused on ATM implementation, was developed by the Forum’s ATM Working Committee to help ease implementation challenges and aid in complying with EMV requirements, and can be downloaded for free at http://www.emv-connection.com/implementing-emv-at-the-atm-requirements-and-recommendations-for-the-u-s-atm-community/.
“There are many rules and regulations that have to be met in order for implementations of EMV to function properly both for debit transactions at the point-of-sale and acceptance at the ATM, and these regulations can create complexities,” said Randy Vanderhoof, director of the EMV Migration Forum. “The appendix addresses these complexities, and provides recommendations and guidance for the ATM industry to successfully implement EMV within these complicated environments.”
In the Forum’s suggested approach, the ATM should store a list of all U.S. Common Debit AIDs it accepts. As part of debit payment processing, a choice must be made between the applications on the card that are represented by these AIDs.
The white paper appendix explains how to manage these transactions and:
- Reviews alternative selection options available in the EMV standards
- Recommends a U.S.-specific processing approach consistent with the EMV standards and with support for the U.S. Common Debit AID
- Details implementation considerations and a conceptual approach
- Defines in detail the six most common scenarios that are likely in the U.S.
The updates to this white paper are part of the EMV Migration Forum’s ongoing efforts to provide the education necessary for the U.S. to successfully move to chip cards. For more information on the Forum and additional resources, visit http://www.emv-connection.com and follow @EMVForum on Twitter.
About U.S. EMV Chip Migration
Commonly used globally in place of magnetic stripe, EMV chip technology helps to reduce card fraud in a face-to-face card-present environment; provides global interoperability; and enables safer transactions across contact and contactless channels. Chip implementation was initiated in the U.S. market in 2011 and 2012 when American Express, Discover, MasterCard and Visa announced their roadmaps for supporting a chip-based payments infrastructure. Acquirer processor readiness mandates to support EMV were established for 2013, with liability shifts for managing fraud risk in a face-to-face environment set for 2015.
About the EMV Migration Forum
The EMV Migration Forum is a cross-industry body focused on supporting the EMV chip implementation steps required for payment networks, issuers, processors, merchants, and consumers to help ensure a successful introduction of more secure chip technology in the United States. The focus of the Forum is to address topics that require some level of industry cooperation and/or coordination to migrate successfully to chip technology in the United States. For more information on the EMV Migration Forum, please visit http://www.emv-connection.com/us-payments-forum/.
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