The Logic Group - EMV Chip & PIN Migration

"This innovative new technology will improve credit card security for our customers and allow us to continue to deliver great customer service. It will also speed-up the payment process. By utilising Smart-Switch, Tesco is ‘future proofing’ its payment card processing systems. We continue to lead the field with the adoption of this new technology." - Tesco

EMV is a global standard designed to cut card fraud, based around the transition from magnetic stripe cards to 'Chip & PIN' integrated circuit cards. The process of migrating to EMV Chip & PIN entails the liability for fraud shifting from the banks to merchants who have not adopted Chip & PIN creating a penalty for those merchants. In addition, merchants who have not adopted Chip & PIN are likely to be increasingly being targeted for fraud.

The Logic Group has developed a suite of EMV Chip & PIN solutions designed to cater to a broad range of differing merchant requirements:

•	Smart-Switch - The Logic Group's highly configurable and functionally rich integration tool for merchants operating over seventy-five points of sale. Smart-Switch facilitates the integration of both new card types and value-added applications, such as E-Gift, loyalty and E-Top-Up. Smart-Switch is highly customisable and supports EMV implementation in a number of different configurations.
•	Smart-Switch’s support for unattended payment environments allows plastic card payment to be made securely, with full Chip & PIN compliance to reduce the potential for fraud.
•	Smart-Switch has also been enhanced to add support for wireless terminals, specifically to address the needs of such sectors as the hospitality industry or other areas where mobility is important.
•	Smart-TPS has been designed to enable mid-tier merchants to quickly and easily upgrade to integrated card processing systems and Chip & PIN acceptance. It is simple to use and integrate, easier to accredit and supports customer-not-present environments as well as PoS systems.
•	Pre-Requisite Testing - a sophisticated package of professional services to smooth the Chip & PIN accreditation process by giving retailers an inside track to the top experts within the banks and card associations. This service can reduce project times by many weeks, taking away much of the stress and frustration experienced in the current process, and saving retailers thousands of pounds.

The Logic Group has extensive experience in managing EMV Chip & PINmigration projects and can provide a range of consultancy services to ensure that we provide the right solution for you.

EMV Chip & PIN Benefits
•	Insulates retailers from effects of fraud liability shift; 90% of fraud has previously been bank-funded
•	Protects retailers from increase in card fraud levels and from administration costs of dealing with chargebacks
•	Improved security - the data on the chip is extremely difficult to copy or change
•	Protecting customers from fraud creates improved perception of customer service
•	Chip & PIN transaction times are faster than magstripe transactions; increased sales conversion and improved efficiency
•	Without Chip & PIN, Security conscious customers will be lost to stores with more competitive security
•	The task of identifying the cardholder shifts from the merchant to the card itself
•	Possibility of reduced bank charges
•	The merchant no longer has to keep piles of old receipts

To view the Chip & PIN Solution product sheet click here..
To view the Introduction to EMV whitepaper click here..
To view the Introduction to EFT whitepaper click here..
To view the APACS PIN bypass best practice guidelines for retailers click here..