EMV (Europay, Mastercard, Visa) is the standard which allows a secure interoperability among IC cards (with microchip) and payment terminals of credit cards. AIS incorporates in all of its payment systems, both in attended and unattended payments, the EMV standard, providing the maximum protection against fraud.
The EMV payment systems incorporate the Windows Embedded operating system; therefore, it is possible to integrate them in a local or remote network, even to manage authorizations of cards through an ADSL connection or similar. Their design and construction is resistant to aggressive environments and adverse climates, and they are adapted to the environment of a service station or supply unit. Their operation is quick, comfortable and easy to use.
We have our own gateway; therefore, the communications are made directly to a centralized server which connects with the bank entities. Quickness is one of the values of our EMV payment systems; the acceptance of the operations takes place in an estimated time of 2 to 5 seconds.
All of our payment systems comply with the EMV security standard, using the most modern technology to increase the security of the collection operations, and a greater control in the approval of transactions without a connection.
The EMV payment systems of AIS use the National System of Track Encryption, technical encryption solution which solves the fraud risks related with the data commitment of cards, and which has been developed by the network of Spanish cards ServiRed, 4B System and Euro 6000.
The use of our EMV payment systems is certified under the standards of the processor centres SERMEPA, REDY (4B) and CECA.
All of our EMV payment systems comply with the requirements of the PCI-DSS (Payment Card Industry Data Security Standard), which guarantees the security in the processing and/or transmission of data during the transactions with debit or credit cards.
The systems supplied by AIS, certified with EMV, are registered within the high security protocol Scenario 1, which guarantees that no data from the payment card is registered and saved; therefore, confidentiality with the final customer is guaranteed.
The transactions in the attended mode are made by means of a PIN PAD terminal, handled by an operator of the service station, in which the reading of the microchip card and the identification of the customer are made. He has to introduce his PIN (personal identification number) for the validation of the operation, whenever it is required by the terminal.
In the unattended mode, the AIS supplies to three systems (Multimedia Self-Payment, Élite Self-Payment and MM5), which are integrated as one more element of the main system in the service stations which have Open POS in the store. With EMV self-payment, all transactions are consolidated with the rest, although in different cashing-ups. It allows changing the self-payment operation from any cash of the station, associating it to one or several pumps, the exclusive or shared access with Open POS, in prepayment or post-payment, etc.