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EMV Secure Remote Commerce (SRC)

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Ronnie Brunner, member of our Board of Directors, conducted a workshop on EMV Secure Remote Commerce (SRC) on both days of the ProfitCard conference.

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EMV Secure Remote Commerce (SRC)

  1. 1. Ronnie Brunner 2019-03-19 ProfitCard 2019 | 25hours Hotel Bikini Berlin EMV® Secure Remote Commerce EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMVtrademark is owned by EMVCo, LLC
  2. 2. EMV® Secure Remote Commerce Defined by First specification DRAFT v0.9 18.10.2018 4
  3. 3. A typical checkout screen 5 ... slightly exaggerated
  4. 4. The EMV SRC architecture takes getting used to 6 DSA SRCI SRC System SRC PI DCF
  5. 5. 7 DSA Digital Shopping Application Merchant shop on browser or in app – but also Alexa, Facebook Messenger or the fridge
  6. 6. 8 SRCI SRC Initiator Provides the SRC Software to the merchant (or its PSP) and connects the DSA to the SRC System
  7. 7. 9 SRC System SRC System(s) Stores the digital cards and other (meta) data and orchestrates the interactions of the other SRC participants in the purchase process
  8. 8. 10 SRC PI SRC Participating Issuer Enrolls the cards and cardholders in the respective SRC Systems, stipulates the authentication priorities, and tells the DCF where to find the card art
  9. 9. 11 DCF Digital Card Facilitator Interface role to extract the digital cards incl. card art and address from the SRC System
  10. 10. 12 Sample Checkout
  11. 11. This is how EMVCo sees the new roles 13
  12. 12. SRC Overview 14 SRC System SRC Process SRC System Processes SRC Checkout Process Onboarding Registration Configuration Enrollment Binding SRC Identification Collection SRC Recognition DCF Discovery Payment Collection Payload Delivery Confirmation Management SRC Events SRC Checkout SRC Participant Establishment SRC Profile Management Confirmation Request/Response SRC Data Messages Enrollment Request/Response Binding Request/Response Customer Profile Request/Response Checkout Request/Response Payment Request/Response Payload Request/Response SRC System Participants DSA DCF SRC PI SRCI
  13. 13. A bigger picture for all types of remote payment 15 Overall goal of the credit card networks GOAL Use tokens everywhere, i.e. fPAN only on plastic PI app with common interface to token system for CoF & SRC Guest Check -out Device Tokenization EMV 3DS Merchant Tokenization SRC Card in Wallets Card on File

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