Property of the EMV Migration Forum © 2013

ATM Working Group

AID “What-Ifs” Sub-Group

Property of the EMV Migration Forum © 2012

AID “What-Ifs” Sub-group

Objective for consideration – Maintain existing US ATM routing infrastructure ATM Acquirers, utilizing network BIN tables and proprietary routing logic, decide

where to route transactions acquired at their ATMs• Taking into consideration their obligations to the network operating rules for networks they

choose to accept at their ATMs Some ATM Acquirers choose to “blackhole” all acquired ATM activity to their

processor or network, for subsequent routing to other networks, at the acquirers instructions

On-Us ATM transactions are typically not routed through shared networks, but maintained within the acquirers own systems for routing and authorization• Some acquirers may elect to route a portion of their on-us activity through a shared network

for specific business reasons

Property of the EMV Migration Forum © 2012

AID “What-Ifs” Sub-group

We should look at each of the following potential scenarios to understand the implications for all stakeholders and educate the relevant working groups of those implications Scenario 1 – EMV card – US issued, one EMV application, one AID Scenario 2 – EMV card – US issued, one EMV application, multiple AIDs Scenario 3 – EMV card – US issued, two EMV applications, one or more AIDs under

each application Scenario 4 – EMV card – Non-US issued, one EMV application, multiple AIDs