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EMVチップの応用

EMV Chip Applications: A World of Opportunities

発行 Retail Banking Research 商品コード 117631
出版日 ページ情報 英文 192 Pages
納期: 即日から翌営業日
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本日の銀行送金レート: 1USD=102.12円で換算しております。
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EMVチップの応用 EMV Chip Applications: A World of Opportunities
出版日: 2013年05月14日 ページ情報: 英文 192 Pages
概要

当レポートでは、EMVチップ技術と付加価値の高いビジネスへの応用、新製品開発の機会、新たな収益の流れなどについて分析し、概略下記の構成でお届けいたします。

エグゼクティブサマリー

第1章 EMVチップについて

  • イントロダクション
  • 技術開発
    • Hinzmannの黄金律
    • インフラと応用
    • 標準
    • 双曲線
    • 破壊的技術
  • スマートカード
    • 基本概要
    • 標準
    • 標準オペレーティングシステム
    • スマートカードの応用
    • 教訓
  • カード支払い:概要
    • 歴史
    • 4つのパーティモデル
    • 収益
    • カードの種類
    • カード支払インフラ
  • EMVチップ
    • 新たなカード支払技術
    • EMV基準
    • 機能方法
  • チップの本来の利点
    • セキュリティ向上
    • その他のメリット
    • チップへの移行

第2章 付加価値の高いEMVチップの応用

  • EMVチップによる付加価値
    • EMVチップの一般的特徴
    • 銀行にとってのメリット
    • 付加価値の高い応用
  • マルチペイメントカード
    • 機能方法
    • 導入実績
    • ビジネス動向
    • マーケティング
    • 結論
  • リモートチップ認証(RCA)
    • 機能方法
    • 実績
    • バーチャル詐欺
    • バーチャル詐欺ソリューションとしてのRCA
    • 導入実績
    • 結論
  • E-PURSE
    • 背景と概要
    • 事前承認による支払:機能方法
    • 実績
    • マーケティング
    • 技術導入
    • 導入実績
    • 結論
  • 非接触型ペイメント
    • 機能方法
    • 実績
    • 利点
    • マーケティング
    • 導入実績
    • 結論
  • カード上でのデータ保存
    • オープンデータストレージ
    • 大量移行チケッティング
    • ロイヤルティ・支払促進
    • 個人データ保存
    • 結論
  • 資格授与への応用
    • シナリオ
    • 機能方法
    • 技術的課題
    • 利点
    • 導入機会:ソーシャルカード
    • 結論
  • モバイルペイメント
    • ペイメントカードの代用品
    • PC代用品
    • モバイルネットワークを通じたP2P支払
    • 結論
  • ディスプレイカード
  • 総括

付録

このページに掲載されている内容は最新版と異なる場合があります。詳細はお問い合わせください。

目次

Abstract

This independent executive report reviews the opportunities created by the global migration from magnetic stripe to chip card technology.

Interest in the EMV chip has been heightened by the growth in mobile payments, as many of these mobile solutions are enabled by the EMV chip itself. There have been other important recent developments, such as chip-based display cards, all of which are analysed in the report. With the USA finally joining the EMV migration, there has never been a better time to exploit the EMV chip infrastructure by adding cost-effective, value generating applications to the chip.

In the three years since publication of the first edition of this report there have been many significant developments in the field of EMV chip applications. Card issuers all over the world have been deploying large numbers of attractive card products using the added value applications described in the first edition. A completely new class of applications has emerged in the form of chipbased display cards, and industry interest in all forms of mobile payment solutions - many of which are enabled by EMV chip - is now intense. Perhaps the most important development however, has been the start of EMV migration in the USA.

This second edition of RBR's EMV Chip Applications report builds on the first edition to argue that there has never been a better time to take advantage of the opportunities that this new global EMV chip infrastructure presents for adding cost-effective, value adding applications to the EMV chip.

Table of Contents

TABLE OF CONTENTS

TABLE OF FIGURES

ACKNOWLEDGEMENTS

  • About the author: Nick Collin
  • About the publisher: Retail Banking Research (RBR)
  • Confidentiality
  • Disclaimer

PREFACE TO THE SECOND EDITION

EXECUTIVE SUMMARY

  • EMV Chip: the Basics
  • Leveraging the EMV Chip Infrastructure
  • Realising the Core Benefits of EMV Chip
  • Adding Value with EMV Chip
  • Business Opportunities

PART 1: ABOUT EMV CHIP

1. INTRODUCTION

2. TECHNOLOGY DEVELOPMENT

  • Hinzmann's Golden Rules
  • Infrastructures and Applications
  • Standards
  • The Hype Curve
  • Disruptive Technologies

3. SMARTCARDS

  • The Basics
  • Standards
  • Smartcard Operating Systems
  • Smartcard Applications
  • Lessons Learned

4. CARD PAYMENTS A BRIEF INTRODUCTION

  • History
  • The Four Party Model
  • Revenues
  • Types of Card
  • The Card Payments Infrastructure

5. EMV CHIP

  • A New Card Payments Technology
  • The EMV Standard
  • How it Works

6. REALISING THE CORE BENEFITS OF EMV CHIP

  • Key Benefit: More Security
  • Other Benefits of Chip
  • Migrating to Chip
  • PART 2: ADDED VALUE EMV CHIP APPLICATIONS

7. ADDING VALUE WITH EMV CHIP

  • Generic Features of EMV Chip
  • Benefits for Banks
  • Main Types of Added Value Applications

8. MULTI-PAYMENT CARD

  • How It Works
  • Business Propositions
  • Marketing
  • Deployment Experience
  • Conclusions

9. REMOTE CHIP AUTHENTICATION (RCA)

  • How It Works
  • RCA Business Propositions
  • Virtual World Fraud
  • RCA as a Virtual World Fraud Solution
  • Deployment Experience
  • Conclusions

10. E-PURSE

  • Background and Context
  • Pre-Authorised Payment: How It Works
  • Business Propositions
  • Deployment Experience
  • Conclusions

11. CONTACTLESS PAYMENT

  • How it Works
  • Business Proposition
  • Benefits
  • Marketing
  • Deployment Experience
  • Conclusions

12. DATA STORAGE ON THE CARD

  • Open Data Storage
  • Mass Transit Ticketing
  • Loyalty and Enhanced Payments
  • Personal Data Storage
  • Conclusions

13. ENTITLEMENT APPLICATIONS

  • Scenarios
  • How it Works
  • Technical Issues
  • Benefits
  • Deployment Opportunities: the Social Card
  • Other Deployment Opportunities
  • Conclusions 137

14. MOBILE PAYMENTS

  • Mobile Banking
  • Mobile Commerce
  • Mobile POS Payments
  • Mobile Wallets
  • Mobile Terminals
  • Mobile-to-Mobile Payments
  • Conclusions

15. DISPLAY CARDS

  • Business Propositions 1
  • Benefits
  • Deploying Display Cards
  • Deployment Experience 1
  • Conclusions

16. BRINGING IT ALL TOGETHER

  • The Multi-Application, Multi-Partner Community Card 160 Case Study The Banco Santander Campus Card 161 Opportunities for Banks
  • Opportunity Checklist for Banks
  • Opportunities for Non-Banks
  • Opportunity Checklist for Non-Banks
  • Conclusions

17. THE US MIGRATION TO EMV CHIP

  • Introduction - The "End of the Beginning"
  • Background Why US Migration Has Started
  • Card Scheme Roadmaps
  • US EMV Migration Issues
  • The Need for US Industry Alignment and Coordination 181 The US Added Value Application Opportunity

APPENDIX 1: CRYPTOGRAPHY A HIGH LEVEL OVERVIEW

  • Symmetric Cryptography 185
  • Asymmetric (Public Key) Cryptography

APPENDIX 2: ABBREVIATIONS

APPENDIX 3: REFERENCES

TABLE OF FIGURES

  • Figure 1: The Hype Curve
  • Figure 2: Smartcards
  • Figure 3: Four Party Model Transaction Flows
  • Figure 4: Four Party Model Revenues
  • Figure 5: Rough Business Models
  • Figure 6: UK Domestic Card Fraud Losses (£ millions), 2004-2012
  • Figure 7: UK Cross border "Fraud Abroad" Card Fraud Losses (£ millions), 2004-2012
  • Figure 8: UK Card-Not-Present Fraud Losses (£ millions), 2004-2012
  • Figure 9: Layered Interoperability Architecture
  • Figure 10: EMV Transaction Flow
  • Figure 11: The Main Types of Added Value Application
  • Figure 12: Hype-Curve Positioning (Illustrative)
  • Figure 13: Nordea Credit/Debit Card
  • Figure 14: Cathay United "Combo" Card
  • Figure 15: Example of Remote Chip Authentication Card Reader in Use
  • Figure 16: MasterCard Secure Channel in Action
  • Figure 17: 3D Secure Logos
  • Figure 18: MOD Website Access Via RCA
  • Figure 19: Capitec Pre-Authorised Debit Card and Reader
  • Figure 20: Contactless Reader and Chip Card
  • Figure 21: Contactless Payment
  • Figure 22: MODS Architecture
  • Figure 23: KCG Contactless Card and Bus Validator
  • Figure 24: Card reader with USB connector
  • Figure 25: "OneSmart Web" PocketServer PC Interface
  • Figure 26: Banka Koper Website Illustrating "OneSmart Web" Product
  • Figure 27: Generic Entitlement Proposition Architecture
  • Figure 28: MasterCard Display Cards
  • Figure 29: Visa CodeSure Card, Yapi Kredi Bank, Turkey
  • Figure 30: Display Card Research Results
  • Figure 31: Example of MasterCard Display Card
  • Figure 32: Summary of EMV Chip Added Value Applications
  • Figure 33: Symmetric Cryptography
  • Figure 34: Asymmetric Cryptography
  • Figure 35: Digital Signing in a Public Key Infrastructure (PKI)
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