Europay, Mastercard and Visa complete final phase of global chip card specifications
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`EUROPAY
`int.-zr.v2a:J'.:.~rt.:zI
`
`EUROPAY, MASTERCARD AND VISA COMPLETE FINAL PHASE OF
`GLOBAL CHIP CARD SPECIFICATIONS
`
`- EMV '96 Ready for release -
`
`Waterloo/New York/San Francisco, 16 July, 1996
`
`Europay International, MasterCard International and Visa International (EMV) today
`armounced the updated Version of the joint specifications for Integrated Circuit Cards (ICC) for
`Payment Systems, EMV '96. This newly-revised release is backward-compatible with the June
`1995 release 2.0 and completes the specifications for a global payments framework using
`"chip" or "smart" cards.
`
`EMV '96 includes new information regarding dynamic data authentication and terminal
`software architecture. The specifications also include post-issuance commands and secure
`messaging for application management. The document structure also was re-organised to make
`the content more user-fiiendly for manufacturers developing globally compatible chip cards
`and terminals that will operate consistently, securely, and reliably across borders and systems
`worldwide.
`
`This EMV '96 release marks the culmination of the two-and-a-half year joint effort by the three
`payment organisations, resulting in the industry's first global chip card payment infrastructure.
`The infrastructure itself is based on a common set of technical specifications derived fiom
`standards set by International Standards Organisation (ISO) for microprocessor cards and card-
`reading terminals for the payment industry.
`
`Newly-Designed Functional Areas
`
`The June 1996 release of the specification has been re-organised to ease the understanding of
`the new information and the addition of new applications. The EMV '96, Integrated Circuit
`Card (ICC) Specifications for Payment Systems, consists of three documents : the ICC Card
`Specification, the ICC Terminal Specification, and the ICC Application Specification.
`
`These three documents integrate new information that addresses optional card and terminal
`processing methods and applications as follows:
`
`o Dynamic Data Authentication - a risk control mechanism that enhances security by
`performing off-line card authentication using public key cryptography in both the card
`and terminal;
`
`o Terminal Software Architecture - an additional section in the ICC Terminal Specification
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`https ://web.archiVe.org/web/l 9970222052647/http://www.europay.corn/l 996/ph6rttl l.htrn
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`4/17/2014
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`Petitioner First Data - Exhibit 1003 - Page 1
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`Europay, Mastercard and Visa complete final phase of global chip card specifications
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`Page 2 of 2
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`containing different approaches that terminal manufacturers and member financial
`institutions may use when designing future terminal software;
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`o Post-Issuance Commands - commands in a card that facilitate application management
`by the card-issuing financial institution;
`
`o Secure messaging - a mechanism that ensures the confidentiality and the integrity of the
`data that is originated by a card-issuing financial institution and sent to the card.
`
`With the completion of this final phase, further versions of the EMV ICC Specifications for
`Payment Systems will be regular maintenance releases. There are no further plans for a
`fi1nctionally-enhanced EMV specification.
`
`
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`For additional information, please contact:
`
`- Ends -
`
`Leslie Lakis—Card
`Gilliane Palmer
`Europay International MasterCard International
`Tel.: 32/2—352.56.47
`Tel.: 1/9l4—249.5239
`http://www.mastercard.com
`
`Gail Murayama
`Visa International
`Tel.:
`l/4l5—432.3645
`Fax: 32/2—352.57.32
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`Last Update: 19/07/96
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`https://web.archive.org/web/19970222052647/http://www.europay.corn/1996/ph6rtt1l.htm
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`4/17/2014
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`Petitioner First Data - Exhibit 1003 - Page 2