EMV is a global standard for inter-operation of Integrated Circuit cards (IC cards or "chip cards") and IC card capable point of sale (POS) terminals and Automated Teller Machines (ATMs), for authenticating credit and debit card transactions for front end channels, backend systems like issuance and acquire platforms.

Girmiti software has experience in consulting, architecting, designing, developing and implementing EMV transactions for Issuers and Acquirers puts us in a strong position to offer solutions and services for the customers along with partnering with 3rd party companies to implement across global markets.

The following are the major EMV transactions involved while implementing the solution with respect to POS Applications, Kernel, Gateway, HCE, and Issuance systems:

• Card detection and reset
• List Creation
• Application selection
• Initiate application processing
• Read application data
• Processing restrictions
• Offline data authentication
• Cardholder verification
• Terminal risk management
• Terminal action analysis
• First card action & second card action analysis
• Online Offline Decision
• Online transaction authorization
• Issuer script processing
• Cryptogram
• Transactions
• 
  

With EMV implementation becoming a must rather than an option globally and as it is being mandated by all the key Payment Schemes, it is imperative that various players affected by the, implement EMV to remain competitive.

Girmiti software has its core expertise and services that include:

• Developing EMV L2 Kernels for PoS and PC PoS – Contact and Contactless
• Developing EMV L2 Kernels that can be implemented for various mobile phones platforms
• Development and Implementation of EMV Issuance - Chip Card Management System for personalization and post personalization support; HSM APIs for processing Chip Authorization like cryptograms ARQC
• Design, Development, and Implementation of EMV interfaces for Acquirers to process EMV transactions originating from the various front-ending channels such as PoS, Payment Gateways- Chip Enabled Interface for Gateway and Acquirer, request and response; Base-II Batch file processing protocols
• Assistance for EMV Certification of third-party implementations or those developed by Girmiti for our customers to integrate protocols for certification with VISA, MasterCard, and Processors
• Supports third party products like dongles, cradle, readers with POS devices, and Mobile phones
• Supports Mobile platforms like Android, iPhone, Windows, and BB

Girmiti Team helps and works closely with the customers to understand the existing scope, current business scenarios, and flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Certify, Automate, Deploy and UAT.