All you need to know about smart payment systems
Unlike international payment schemes, domestic payment networks process electronic transactions within a national territory. The advantages for payment solution providers offering payment terminals that support both international payments and domestic payment networks is that they benefit an extended deployment market.
What are the benefits of test automation during payment terminal certification ?
Test automation consists in implementing an automatic communication interface between a device under test and a test tool, to check the behavior of a software with minimal human intervention. Major payment schemes such as Visa and Mastercard have published guidelines allowing payment terminal providers to build a communication interface compliant with the test automation requirements.
Focus on tokenisation in transit environment.
Indeed, the transformation of the card data in Card Number Alias or token enables to connect a card number to an individual card holder or an event.
This transformation is performed by cryptography computation.
The computation will always generate the same token for the same card if the same algorithm is used. This algorithm is a one way function, so, there’s no possibility to translate from a token to a card number.
The development of embedded software is a crucial step in the overall payment terminal manufacturing process. Payment devices can only be deployed when they prove compliance with international payment and security standards. Hence the integration and approval of EMV payment software is at the core of terminal manufacturers’ concerns.
The new CPACE standard was created by the ECPC to facilitate contactless payments in Europe. The CPACE ( Common Payment Application Contactless Extension) specifications were built on the EMVCo CPA standard for contact transactions, and was extended for contactless and remote payments.
There are many stages in a payment terminal life cycle, and payment solution providers must define their strategy at the earliest stage. Make the right decisions at the right time.
EMV technology is the international standard for secure payment systems and is present in most payment terminals where consumers use their chip & PIN cards or e-wallets to pay for goods or services.
Payment terminal providers ought to integrate EMV® compliant payment systems and submit their products to the approval of EMVCo and payment schemes to be officially recognized. They must undergo several certifications at many steps of the device development
Automation test versus manual testing campaign : the big deal !
Automation testing uses automation tool to execute tests cases. Few manual involvement is required while executing an automated test suite which handles suitable software to test the program to be delivered to customers.