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EMV standard

- Apr 09, 2018 -

EMV standard

The EMV [1] standard is a bank card developed by Europay (European Card, which has been acquired by MasterCard), MasterCard (Mastercard), and Visa (Visa). The technical standards for card transfer are based on the financial payment standards of IC cards and have become a universally recognized global standard. EuropayMasterCardVisa

based on

IC card financial payment standards


Recognized global standard


EMV96 and EMV2000

Standard Introduction

The purpose of the EMV standard is to establish a unified standard for cards and terminal interfaces in a financial IC card payment system, so that all cards and terminals under this system can interoperate, and the adoption of this technology will greatly improve the security of bank card payment. Reduce fraud. The official release as of 2014 is the EMV96 and EMV2000.

Standard content

The EMV2000 standard is a unified technical standard for international financial IC card debit/credit applications. It is jointly developed by the three major international bank card organizations. The main contents of the standard include the application process of debit and credit application, debit/credit application specification and security certification. Mechanisms and so on.

EMV migration is based on the EMV2000 standard. It promotes the upgrading of bank magnetic stripe cards to chip card technology in many links such as card issuance, business processes, security control, acceptance of the market, and information transfer. It is to change the bank cards that use magnetic strips. Switch to a bank card that uses an IC card. With the development of information technology and microelectronics technology and the improvement of EMV standards and the implementation of the international EMV migration plan, the migration of bank magnetic stripe cards to IC cards is an inevitable trend.

In order to implement the EMV relocation plan, the international organization decided that since 2005, it will no longer be responsible for the losses caused by the use of magnetic strip card crimes in the European region. This decision will take effect in 2006 in the Asia Pacific region. According to the new rules of the game, since 2006, the liability for the loss of the fake card will be divided according to the EMV standard, that is, if one party in the transaction meets the EMV standard and the other party fails to meet the EMV standard, the party that does not meet the EMV standard will be Take full responsibility. The time limit for the unified use of IC cards worldwide is 2008.

In February 1999, the then three international card organizations jointly established the EMVCo organization to manage, maintain and improve the specifications of EMV smart (chip) cards.

Certification requirements

EMVCo offers EMV LEVEL 1 and EMV LEVEL 2 certification.

1.4 EMV Level 1 and Level 2 Certification

Certification specifications


- Accepts the insertion of the card without causing damage to the mechanical part.

- Provide power and clock without causing damage to the appliance.

- Identify supported protocols and communicate with cards.

- Download the card correctly to facilitate reuse of the card.

EMV Level 2

- Define application requirements for card debit card transactions

- Define the application processing specification between card and terminal.

- The card and terminal application software is usually accessible.

- The terminal's application software can read the card application list.

- Define card holder verification methods, such as password verification.

EMV Level 2 certification

1.5 Measures for All Parties to Cope with EMV Certification

Issuers should issue EMV standard cards.

POS terminal manufacturers should provide:

- New or upgraded equipment (with EMV certification)

- EMV-compatible password keyboard

- Upgrade POS application software

- EMVCo organization certification

System Upgrade

Issuers and acquirers should upgrade the host system to support:

- Transmit and process the added data fields for each exchange.

- Enhanced encryption technology.

- Should meet the testing requirements of EMVCo.