Pre-certified Payment Driver for EMV Level 3 Compliance
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Solution Overview
Problem
The existing payment transaction processing systems face challenges in achieving EMV level 3 certification compliance efficiently, which is time-consuming and costly, and often require significant resources, hindering the rapid deployment of secure payment solutions.
Innovation Solution
A pre-certified payment application driver code that meets EMV level 3 certification requirements, allowing for easy integration with POS applications, enabling secure payment transactions by sharing encryption keys and encrypting data end-to-end, thus reducing the need for extensive certification processes and costs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a payment application driver undergoes full EMV level 3 certification process, then compliance and security are ensured, but time-to-market increases and costs increase significantly
Solution Approach 1:
The payment application driver undergoes EMV level 3 certification in advance before being made available to ISVs. The certification process, including testing across multiple terminals, devices, applications, servers, and card networks, is completed beforehand so that ISVs can integrate the pre-certified driver without undergoing the lengthy certification process themselves.
Solution Approach 2:
The certification results and compliance status are replicated and transferred to multiple copies of the payment application driver. Once one instance is certified, the certification status is copied to subsequent versions and integrations, allowing ISVs to use the certified driver without repeating the entire certification process.
2Reliability
If a payment application driver undergoes full EMV level 3 certification process, then compliance and security are ensured, but certification costs increase significantly
Solution Approach 1:
The pre-certified payment application driver is designed to be universally applicable across multiple ISVs, POS applications, and payment terminals. The single certification process serves multiple customers and use cases, distributing the certification cost across a broader base rather than requiring each ISV to bear the full cost independently.
Solution Approach 2:
The expensive certification process is performed once and the results are copied and reused across multiple implementations and customers, eliminating the need for each ISV to undergo the costly certification process separately.
3Reliability
If payment data is processed securely with end-to-end encryption, then security is improved, but system complexity increases
Solution Approach 1:
The pre-certified payment application driver serves as an intermediary layer between the ISV application and the payment terminal infrastructure. It handles the complex encryption key management and end-to-end encryption processes, shielding the ISV from the complexity while maintaining security. The driver translates simple ISV requests into secure encrypted communications.
Data Source
AI summary
A pre-certified payment application driver code configured to satisfy requirements of a particular level of a credit card data security certification compliance may be integrated with first and second POS applications to generate first and second integrated applications, respectively, as a fully integrated, tested and production-ready solution. Each integrated application meets all levels of data security compliance requirements and enables data security-compliant transactions with end-to-end encryptions by enabling, in response to a POS application initiating a payment transaction, a payment terminal to share an encryption key with a payment server. Each integrated application can receive payment data encrypted with the encryption key, transmit the encrypted payment data to the payment server for processing the payment transaction using the encrypted payment data, and receive a processing result of the payment transaction from the payment server and communicate the processing result to the POS application.