ATM “What If” Session
Assumption Validation
EMF San Diego – May 20, 2014
Updated May 29, 2014
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Goals
1. Validate assumptions for U.S. Common AID
technical solution, noting the following:
 Assumptions within Debit White Paper
 Assumption not found in white paper specific to
ATM
 Findings from current implementations
2
Background
• Common AID processing for ATMs is identical with
Common AID processing for POS for online
transactions using online PIN
• The Debit Technical Working Group’s U.S. Debit EMV
Technical Proposal contains assumptions that should
be validated by the ATM Working Group/What-Ifs
committee
• The ATM What-Ifs committee has documented
assumptions that should be validated by the Debit
Working Group
• All assumptions should be validated against early
implementation experiences
• A working session was held on May 20, 2014 to
review and validate assumptions
3
Scope
• For the purposes of this document:
•
ATM transactions will include cash disbursements (cash
withdrawals and cash advances), balance inquiries,
deposits, and funds transfers
• “Sales” transactions are considered POS transactions
and are not included in this discussion
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Validation of Assumptions
Reference #
1
2
3
Assumption
Is this Assumption in the Debit
Technical Committee White
Paper?
Business/contractual arrangements currently
exist between acquirers and networks. When
routing a transaction, each acquirer must
choose a valid network per their own routing
rules.
Issuers will properly personalize Durbinregulated cards to include a Common AID
where multiple routing arrangements are
possible
• MasterCard/Visa specify routing when
their AIDs are used to initiate
transactions
The common U.S. AID on the card is supported
by all of the networks the issuer is affiliated
with.
Current Situation or Other Comments
True
Yes
Largely true
Yes
Not necessarily true; in process. We have
already seen an issue on this front, so we
cannot assume that all issuers will do
this.
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Validation of Assumptions
Reference #
Assumption
Is this Assumption in the Debit
Technical Committee White
Paper?
5
There will be three common debit applications
for the U.S.:
• A Visa US common application
• A MasterCard/Maestro U.S. common
application
• A DNA-supported US common application
Assume that all U.S. payment networks will
support all three common U.S. AIDs
6
A debit card may contain zero to ‘n’ nonCommon AIDs.
A debit card may contain one, but not more
than one, common U.S. AID.
Yes
7
Yes
8
All U.S. ATMs will support all common U.S.
AIDs for networks in which they participate.
4
Current Situation or Other Comments
Yes
Applications announced
Yes
In progress
No current users
True at this time
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Validation of Assumptions
Reference #
9
10
Assumption
Is this Assumption in the Debit
Technical Committee White
Paper?
Current Situation or Other Comments
In order to preserve current routing choice,
the chip-enabled ATM must be configured
select the Common AID when one is
supported by both the chip card and the ATM.
• Where a common AID is paired with a
non-Common AID, the non-Common AID
will be removed from consideration
A chip card may contain more than one
application. In a true multi-application card,
the chip can contain, for example, one
application that is tied to a credit account, and
a second application that is tied to a debit
account. In this situation, it is recommended
that the ATM support cardholder application
selection. It is then critical that the options
displayed for the cardholder are clear so that
the cardholder can make an informed decision
about which one to choose.
MasterCard requires that terminals must
support cardholder selection for multiapplication cards. The debit MasterCard
application must indicate DEBIT
MASTERCARD. The Common AID
Application Label cannot use verbiage
that implies specific routing or the global
brand. Acceptable verbiage might
include the word DEBIT and the name of
the issuer, i.e. DEBIT BARCLAYS.
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Validation of Assumptions
Reference #
11
12
Assumption
For each network or gateway they are
affiliated with, acquirers must keep track of
whether that network or gateway can support
EMV transactions or not. This is a challenge
because networks do not have to do this
today. Also, this logic or table will require
frequent updates. And, this is a temporary
measure during the “transitional” period.
Any “default” or “black hole” destinations
used for routing purposes must be EMVenabled before the acquirer can route EMV
transactions to those destinations.
Is this Assumption in the Debit
Technical Committee White
Paper?
Yes
Current Situation or Other Comments
Not done today
This assumption is included as an
operational caution. An acquirer may not
know if the default/black hole
destination is EMV-capable or not.
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Validation of Assumptions
Reference #
Assumption
13
Standard EMV processing includes a step
called Application Selection. Where standard
EMV Application Selection is used (either
priority selection or cardholder selection) i.e.
there is no specialized logic to select a
common US AID, the ATM will need to pass
the AID to the acquirer, so the acquirer knows
that a common AID was not selected.
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Assuming the ATM selects the common AID
during transaction initiation; the acquirer will
be able to use existing routing logic and will
not need to modify that logic to route by AID.
(This does not take into consideration the
situation where the selected destination is not
yet EMV-capable.)
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“ATMs” have a primary function of dispensing
cash, along with a number of supporting
functions (deposit, balance inquiry, funds
transfer).
• Sales and bill payment at the ATM fall
under POS and bill payment rules and
processes.
Is this Assumption in the Debit
Technical Committee White
Paper?
Current Situation or Other Comments
None of the global payment networks
require that the AID be passed in a
transaction request.
True today. Some networks may have
same rules for ATMs and unattended
POS.
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BIN Routing Table Template
From (EMF) US Debit Technical Solution:
BIN
Network
444444
MCC
Online PIN
No CVM
No CVM
limit
Signature
support
Y
Y
$50
Y
Y
N
$0
N
B
Y
Y
$25
N
C
Y
N
$0
N
A
Y
Y
$50
Y
Y
N
$0
N
B
Y
Y
$25
N
C
Y
N
$0
N
B
Y
Y
$50
N
Y
N
$0
N
A
555555
XXXXXX
D
EMV
Supported
Only BIN, Network, and EMV Supported relevant to ATMs.
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Thank you!
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