Instantly Be Aware of EMV Related Field Issues

During an EMV transaction, merchants and customers may experience some issues. These issues might be related to the POS hardware, POS software, EMV configuration parameters, or EMV card. Sometimes this might result in transaction declines and sometimes bad user experiences.

Traditional EMV L2 kernels have limited memory capacity

Traditional EMV L2 kernels run in a secure processor on the payment device. These kernels give limited information about EMV transactions to the POS application because they have limited memory capacity, and they were not developed considering reporting and troubleshooting. And even though EMV kernel gives some information, POS applications need to have access to a cloud service to send this information for troubleshooting and reporting.

The EMVKernel-on-the-Cloud solution maintains advanced data elements for troubleshooting and reporting

The EMVKernel-on-the-Cloud solution keeps all the EMV data on the cloud, not in the hardware. It gives detailed information about EMV transactions for reporting/troubleshooting. EMV specifications have data elements such as TVR and CVR. However, they don’t give all info needed. For example, if offline authentication fails in a transaction, these data elements inform that it has failed but doesn’t indicate the reason for it. The kernel-in-the-Cloud solution maintains advanced data elements for troubleshooting and reporting, far beyond the EMV specifications.

Users can create their custom reports

Fairbit EMV Monitoring and Reporting service helps to be aware of the EMV issues and fix them immediately. EMV Monitoring and Reporting Service use EMV data elements and advanced EMVKernel-on-the-Cloud data elements to report every detail of an EMV transaction to help to fix the issues in the field. It also provides reports about EMV transactions. Users can create their custom reports to monitor transactions and trends.

Sample Reports:

  • Trends of transaction declines
  • Trends of PIN entry bypass
  • Impact of PIN entry bypass to transaction declines
  • Trends of EMV Offline Authentication Failures based on the root causes
    • Missing Public key
    • Expired Issuer Public Key Certificate
    • Wrongly personalized card…
  • Comparison of decline rates between transactions with Online PIN and without Online PIN
  • Trends of transactions where cardholder pulled out the card before transaction completed