Jeremy Gumbley of CreditCall presented on moving EMV kernels to the cloud to enable more flexible software updates and configurations for point-of-sale terminals. Currently EMV kernels reside within terminals, but migrating them to the cloud could allow instant updates across many terminals. However, relying on internet connectivity could slow transactions and prevent offline processing. The document also outlines advantages like reduced terminal complexity and easier merchant changes, as well as disadvantages around network reliability issues.

1. EMV in the Cloud
A viable solution for the US EMV
migration?
Jeremy Gumbley | CTO | CreditCall
2013 Payments Summit
February 7, Salt Lake City

2. How it is done today
• POS Terminal embedded EMV Kernel
• Terminal Management System (TMS)
• Typically dialup PSTN
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

3. How it could be done tomorrow
• EMV Kernel resides in the ‘Cloud’
• Other typical terminal features could be
provided by a web service
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

4. Advantages of a Kernel in the Cloud
• Terminal has less software and complexity
• Instant software updates
• Instant software update rollbacks
• Instant EMV configuration changes
• Easier to change bank/acquirer/processor
• All transaction data stored in the Cloud
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

5. Disadvantages of a Kernel in the Cloud
• Reliant on good IP communications
(3G/LTE/Wi-Fi/DSL)
• Transaction times may be slightly slower
• No offline transaction support
• Not possible to support contactless
transactions
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

6. www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

7. A vision of the future
• Terminal will become ‘dumb’ and provide a
human interface to transactions and other
services in the Cloud.
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

8. About CreditCall
• A leading Payment Gateway
• Established in 1997
• Offices in the UK and USA
• Over 10 years of EMV excellence
• Over 1 million EMV Kernels deployed
worldwide
• 150+ EMVCo certifications
www.creditcall.com jeremy.gumbley@creditcall.com
www.level2kernel.com linkedin.com/in/jgumbley

9. Thank you!
Jeremy Gumbley
CTO | CreditCall
jeremy.gumbley@creditcall.com
+1 (800) 868 1832
linkedin.com/in/jgumbley
jeremy_gumbley
CreditCall
CreditCall

10. Thank you!
Jeremy Gumbley
CTO | CreditCall
jeremy.gumbley@creditcall.com
+1 (800) 868 1832
linkedin.com/in/jgumbley
jeremy_gumbley
CreditCall
CreditCall