emvco介绍

一、EMVCo是什么？

EMVCo（国际芯片卡及支付技术标准组织）为6大卡商联合举办，制定与维护国际支付标准规范的专业组织。
包含：万事达（Mastercard）、VISA、美国运通（American Express）、JCB、Discovery。

二、EMVCo相关技术

1、 Contact EMV

Contact EMV refers to the EMV contact chip specifications defining how financial transactions are conducted using contact chip cards. These cards support cryptographic functions to prevent counterfeiting of cards and additional functions that make them more secure than traditional magnetic-stripe cards.

指的是如何使用接触式芯片进行金融交易，这些卡支持加密功能，以防止伪造卡和额外的功能，使它们比传统磁条卡更安全。
参考文档：Contact EMV

2、 Contactless EMV

The EMV Contactless Specifications refer to transactions using proximity NFC payment devices. These devices allow transactions to be made by waving or tapping on an EMV Contactless enabled terminal. Similar to contact chip cards, they also support cryptographic functions for more secure transactions than with traditional magnetic-stripe cards.

指的是使用带有近距离NFC功能的设备进行交易。这些设备允许通过挥动或点击EMV非接触式启用终端进行交易。与接触式芯片卡类似，它们还支持加密功能，比传统磁条卡更安全的交易。
参考文档：Contactless EMV

3、Mobile EMV

As mobile devices become indispensable to the vast majority of the global population, mobile payment is also rapidly gaining traction. This includes mobile devices augmenting or replacing contactless cards as well as an increasing number of mobile devices, with, or without, attachments for card reading and PIN entry, replacing traditional counter based POS devices. In addition to mobile contactless, there is also a growing adoption of optical capture solutions for payment which lend themselves to mobile payment as well as remote commerce using mobile devices.

随着移动设备成为全球绝大多数人口不可或缺的一部分，移动支付也迅速获得了吸引力。这包括增加或取代非接触式卡片的移动设备，以及越来越多的带有或不带有读取卡片和输入密码附件的移动设备，取代传统的基于柜台的POS设备。除了移动非接触式，光学捕获支付解决方案也越来越多地应用于移动支付以及使用移动设备的远程商务。

4、EMV® Payment Tokenisation

Payment transactions are more secure due to the concept of Payment Tokenisation. The Payment Tokenisation Specification provides an interoperable Technical Framework that will benefit Acquirers, Merchants, Card Issuers, and Cardholders. This Technical Framework describes a global Payment Tokenisation ecosystem that overlays and interoperates with existing payment ecosystems to support digital commerce and new methods of payment.

支付token给支付交易带来更大安全性，支付token规范提供了一个可互操作的技术框架，将使收购方、商户、发卡机构和持卡人受益。该技术框架描述了一个全球支付代币化生态系统，覆盖并与现有的支付生态系统互操作，以支持数字商业和新的支付方法。

5、EMV® QR Code

QR Code is an ISO 18004-compliant encoding and visualization of data. EMVCo’s activity in this area is providing specifications pertaining to the use of QR Code for payment purposes. EMVCo’s areas of focus are Consumer-presented QR Codes and Merchant-presented QR Codes. Note that “QR Code” is a registered trademark of DENSO WAVE.

QR Code是符合ISO 18004标准的数据编码和可视化。EMVCo在这一领域的活动是提供二维码支付的相关规范。EMVCo的重点领域是消费者二维码和商家二维码。注意，“QR Code”是DENSO WAVE的注册商标。

6、EMV® Secure Remote Commerce

The EMV Secure Remote Commerce (SRC) Specifications enable a common consumer e-checkout that promotes simplicity, familiarity, interoperability convenience and trust.
Consumer-facing solutions and programmes based on the EMV SRC Specifications can be described as Click to Pay. This universal description enables ease of recognition for consumers, and signals that a consumer can confidently transact through an easy e-checkout, regardless of the payment card, digital channel or device they use.
The corresponding icon , described as the Click to Pay icon, signals availability at participating merchants. Alternatively, Click to Pay will be used in text as descriptive language if an e-merchant is unable to visually display the icon.

EMV安全远程商务(SRC)规范使普通消费者电子结账成为可能，它促进了简单性、熟悉性、互操作性和信任。
基于EMV SRC规范的面向消费者的解决方案和计划可以描述为点击支付。这种通用的描述使消费者易于识别，并表明消费者可以放心地通过简单的电子付款进行交易，而无需考虑他们使用的支付卡、数字通道或设备。
相应的图标，被称为“点击支付”图标，标志着参与商家的可用性。另外，如果电子商务无法直观地显示图标，“点击支付”将以文本形式作为描述语言。

7、EMV® 3-D Secure

To reflect current and future market requirements, the payments industry recognised the need to create a new 3-D Secure specification that would support app-based authentication and integration with digital wallets, as well as traditional browser-based e-commerce transactions. This led to the development and publication of the EMV 3-D Secure – Protocol and Core Functions Specification. The specification takes into account these new payment channels and supports the delivery of industry leading security, performance and user experience.

为了反映当前和未来的市场需求，支付行业认识到有必要创建一个新的3d安全规范，该规范将支持基于应用程序的认证和与数字钱包的集成，以及传统的基于浏览器的电子商务交易。这导致了EMV 3-D安全协议和核心功能规范的开发和发布。该规范考虑了这些新的支付渠道，并支持交付行业领先的安全性、性能和用户体验。