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Java IoT Authors: Carmen Gonzalez, Liz McMillan, Yeshim Deniz, Pat Romanski, Elizabeth White

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Giesecke & Devrient Offers the Most Advanced U.S. Debit EMV Solution

Giesecke & Devrient (G&D), a leading global supplier of secure payment products and solutions, has developed and deployed an EMV solution that allows a debit card to meet Durbin Amendment requirements while supporting bank, merchant and consumer needs today and in the future.

The challenges presented by the Durbin Amendment brought about a holding pattern in the U.S. EMV rollout, and the payment industry worked to determine an effective solution for these challenges. As an active member of the Smart Card Alliance’s EMV Migration Forum (EMF), G&D was an integral force in these discussions.

Following the EMF’s recommended solution and leveraging decades of experience in developing highly secure payment products, G&D’s EMV debit card products and services offer the most advanced payment deployment, providing extensive functionality to support all of the latest specifications from the major payment brands.

Europay, MasterCard and Visa (EMV), a global standard for debit and credit payment cards, is based on secure chip technology. A chip embedded in a card serves to provide a higher level of security when compared to present-day magnetic stripe only cards, protecting cardholder data and information stored on the chip. Unlike static magnetic stripe cards, chip cards contain an operating system and support dynamic authentication. Every transaction requires new values produced by the chip to be delivered. Utilizing chip card technology will be seamless to the customer, though they will now be able to execute EMV transactions using a debit card.

Capitalizing on extensive experience in the implementation of EMV programs across the globe, G&D’s U.S. debit EMV solution is available on both Java Card and Native card platforms. Adhering to the latest specifications, VIS 1.5.4, M/Chip Advance and M/Chip 4, the debit EMV solution provides both a streamlined, easy to deploy, online only option and the most complex offline capable DDA/CDA-enabled (Dynamic Data Authentication/Combined Dynamic Data Authentication) advance EMV security features. The solution allows for multi-application data of two or more instances of payment application data with the flexible choice of sharing only basic information, such as account number and cardholder name, to the most complex risk and lifecycle management parameters, such as the Application Transaction Counter (ATC).

Products are available today and G&D experts are ready to assist with EMV migration plans. With over 1.6 billion EMV cards delivered globally, G&D is a technology leader of advanced EMV payment solutions.

About Giesecke & Devrient

Giesecke & Devrient (G&D) is a leading international technology provider headquartered in Munich, Germany. Founded in 1852, the Group has a workforce of over 11,600 employees and generated sales of approximately EUR 1.75 billion in the 2013 fiscal year. 58 subsidiaries and joint ventures in 32 countries ensure customer proximity worldwide.

G&D develops, produces, and distributes products and solutions in the payment, secure communication and identity management sectors. G&D is a technology leader in these markets and holds a strong competitive position. The Group's customer base mainly comprises central and commercial banks, mobile network operators, business enterprises, governments, and public authorities. For more information, please visit: http://www.gi-de.com.

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