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EMVの世界におけるデビット取引:実践ガイド

Debit Transactions in an EMV World: A Practical Guide

発行 Mercator Advisory Group, Inc. 商品コード 336464
出版日 ページ情報 英文 22 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=109.81円で換算しております。
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EMVの世界におけるデビット取引:実践ガイド Debit Transactions in an EMV World: A Practical Guide
出版日: 2015年07月30日 ページ情報: 英文 22 Pages
概要

当レポートでは、9つのデビット取引タイプそれぞれについて調査し、各タイプのネットワークタイプ、フォームファクター、CVM、メッセンジャータイプ、および取引の方向に影響を及ぼす環境について特定しており、プロセスにおける主要イベントを概説したプロセスフロー図を示し、主要な市場参入企業を指摘するとともに、顧客のペイメント選択から認証反応まで取引の流れとして生じるプロセスについて簡単に説明しています。

本調査で言及した企業

  • Accel, AFFN, American Express, Apple, Capital One, Credit Union 24, Discover, EMVCo, JCB, Jeanie, Kroger, MasterCard, MCX, NYCE, Presto!, PULSE, Shazam, Target, UnionPay, Visa, Walmart, および ZipLine

主な調査内容

  • 9つのデビット取引タイプの詳細なレビューおよびペイメントシステムを通した処理方法
  • PINデビット取引に関するドッド・フランク法の影響の分析
  • VisaのPAVD (PIN Authentication Visa Debit ) 製品および関連するマーチャントインセンティブのレビュー
  • MasterCard および Visaのtokenization vault services における支配的な役割がモバイルペイメントにどのような影響を及ぼすかについてのコメント
目次

Understanding the course that a debit transaction travels through the payments value chain has never been more important. Recent processing changes, new technologies, and incentives have had a material impact on the way transactions are routed and have created winners and losers in the process.

Mercator Advisory Group's research report, ‘Debit Transactions in an EMV World: A Practical Guide’, follows each of nine debit transaction types at a business level from the point a consumer makes a payment selection to the authorization response. For each debit transaction type, the report identifies the network type, form factor, CVM, message type, and environment influencing the path of the transaction, and presents a process flow diagram that outlines the major milestones in the process, noting the key participants and briefly describing the process occurring as the transaction winds its way from the customer's payment choice to the authorization response. Analysis of recent events that have materially impacted the transaction type is presented in the text following each flowchart and includes commentary on potential changes that may influence the transaction type's future.

“We have witnessed an incredible amount of change in debit transactions over the prior two years that has materially impacted banks, processors, merchants and networks financially and operationally. With the advent of the EMV migration, tokenization, and commercialization of mobile payments, managing change becomes critical. Understanding the existing payments infrastructure and how it works at a fundamental level will be critical to those with payment-related businesses to protect and grow,” comments Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group, and author of this report.

This report has 22 pages and 10 exhibits.

Companies mentioned in the report include: Accel, AFFN, American Express, Apple, Capital One, Credit Union 24, Discover, EMVCo, JCB, Jeanie, Kroger, MasterCard, MCX, NYCE, Presto!, PULSE, Shazam, Target, UnionPay, Visa, Walmart, and ZipLine

Highlights of the report include:

  • A detailed review of 9 debit transaction types and the way they are processed through the payments systems
  • Analysis of the impact of Dodd-Frank Regulation II on PIN debit transactions
  • Review of Visa's PIN Authentication Visa Debit (PAVD) product and associated merchant incentives
  • Commentary regarding how MasterCard and Visa's dominant role in tokenization vault services may affect mobile payments
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