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EMV in the Cloud

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Creditcall
Creditcall

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.

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EMV in the Cloud A viable solution for the US EMV migration? Jeremy Gumbley | CTO | CreditCall 2013 Payments Summit February 7, Salt Lake City
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
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
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
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
www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
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
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
Thank you! Jeremy Gumbley CTO | CreditCall jeremy.gumbley@creditcall.com +1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall
Thank you! Jeremy Gumbley CTO | CreditCall jeremy.gumbley@creditcall.com +1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall

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EMV in the Cloud

  • 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