Mar 10 , 2010

Level Four, Galitt offer EMV-compliant ATM testing in Canada

By Robin Arnfield, News Editor

UK-based Level Four has teamed up with France’s Galitt to provide technology to help Canadian ATM deployers test their networks’ compliance with the EMV (Europay-MasterCard-Visa) standard for secure chip card transactions. The two firms say their technology will enable Canadian financial institutions to reduce the cost of testing their ATMs in the run-up to the 2012 deadline for EMV migration.

The partnership combines Level Four’s BRIDGE:test automated ATM software testing technology with Galitt’s KaNest-ICC™ EMV card simulation software. Although no Canadian banks are used the combined solution yet, it has been rolled out to banks in Europe, says Jean-Christophe Derré, an executive at Galitt Canada’s head office in Montreal, Quebec.

Galitt’s Canadian subsidiary was established in 2002, originally under the name of KaSYS Canada.

“Galitt’s software allows banks to simulate in software a physical EMV-compliant card transaction,” says Derré. “Instead of inserting the card into a hardware point-of-sale terminal or ATM, everything takes place in software.”

BRIDGE:test allows banks to test Windows-based ATMs in a software-only environment, simulating their interconnection with network hosts, instead of using ATM hardware.

“By combining BRIDGE:test with KaNest-ICC™ EMV, banks can carry out a software simulation of a customer inserting an EMV-compliant card into an EMV-compliant ATM and carrying out a transaction,” says Derré. “They can then debug any technical problems that they encounter in their ATMs or their networks.”

Derré says that Galitt and Level Four are currently talking to a number of Canadian ATM operators about using their combined simulation technology. “We’re telling them that they will need to do a lot of testing to ensure that their EMV-enabled ATMs work properly,” he says. “Carrying out software simulations saves money compared to doing hardware-based testing.”

"EMV migration significantly increases the scope of testing required at the ATM as there is a much greater number of components interacting with each other,” says Ian Kerr, Level Four’s CEO.

Canadian ATM operators are mandated by Interac Association, which operates Canada’s ATM network switch, to migrate to EMV by 2012. The first Canadian EMV-compliant ATMs were rolled out in 2008.

As part of Canada’s migration to EMV, debit cards must be EMV-enabled by 2012, with Canadian credit cards and point-of-sale terminals required to become EMV-compliant by 2015. After December 31, 2012, Canadian ATMs will no longer be able to accept magnetic-stripe transactions involving Canadian cards, Interac says.



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