EMV in the Cloud

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Is EMV in the Cloud a viable solution for the US EMV migration? CreditCall CTO Jeremy Gumbley believes so and looks at the current US EMV landscape , gives an insight into the benefits and risks of EMV in the cloud, and looks at how terminal manufacturers - in particular mobile POS- can benefit from EMV in the Cloud.

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EMV in the Cloud

  1. 1. EMV in the CloudA viable solution for the US EMVmigration?Jeremy Gumbley | CTO | CreditCall2013 Payments SummitFebruary 7, Salt Lake City
  2. 2. How it is done today• POS Terminal embedded EMV Kernel• Terminal Management System (TMS)• Typically dialup PSTN www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  3. 3. How it could be done tomorrow• EMV Kernel resides in the ‘Cloud’• Other typical terminal features could be provided by a web service www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  4. 4. 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 www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  5. 5. 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 www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  6. 6. www.creditcall.com jeremy.gumbley@creditcall.comwww.level2kernel.com linkedin.com/in/jgumbley
  7. 7. A vision of the future• Terminal will become ‘dumb’ and provide a human interface to transactions and other services in the Cloud. www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  8. 8. 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 www.creditcall.com jeremy.gumbley@creditcall.com www.level2kernel.com linkedin.com/in/jgumbley
  9. 9. Thank you!Jeremy GumbleyCTO | CreditCalljeremy.gumbley@creditcall.com+1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall
  10. 10. Thank you!Jeremy GumbleyCTO | CreditCalljeremy.gumbley@creditcall.com+1 (800) 868 1832 linkedin.com/in/jgumbley jeremy_gumbley CreditCall CreditCall

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