EMV in the Cloud

Jeremy Gumbley | CTO | CreditCall

2013 Payments SummitFebruary 7, Salt Lake City

EMV in the CloudA viable solution for the US EMV migration?

www.creditcall.com [email protected]

linkedin.com/in/jgumbleywww.level2kernel.com

How it is done today

• POS Terminal embedded EMV Kernel

• Terminal Management System (TMS)

• Typically dialup PSTN



How it could be done tomorrow

• EMV Kernel resides in the ‘Cloud’

• Other typical terminal features could be provided by a web service



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



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





A vision of the future

• Terminal will become ‘dumb’ and provide a human interface to transactions and other services in the Cloud.



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

Thank you! Jeremy GumbleyCTO | CreditCall

[email protected]+1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall

Technology

EMV in the Cloud