付款方式的變動：在美國的EMV・NFC・非接觸式付款方式的導入 是由出版商Mercator Advisory Group, Inc.在2011年12月所出版的。
這份英文市場調查報告書包含23 pages 價格從美金2950起跳。
美國內部的現金卡付款方式相關討論（手續費的問題、德賓修正條款等）處於混亂當中，以EMV（IC卡片國際規格）的卡片安全技術標準的普及正面臨艱困的狀況。另一方面，對於NFC（近距離無線通訊）式智慧型手機活用型的行動付款的關注急速升高當中。該2項技術急速普及之中，相關人員必須預測、接受、處理新式付款方式的相關風險。
本報告，分析美國國內EMV和NFC、非接觸式付款方式等所謂新式付款用技術的全面以及個別的問題點，調查•考察全球與美國的EMV普及狀況、PIN（個人辨識號碼）等的認證・付款相關各種問題、新技術規格間的競爭等事項，其結果由下列摘要形式闡述。
報告摘要
簡介
EMV與在美國的導入
現金卡與EMV：是否授與PIN的選擇
非接觸式付款方式：各種技術的競爭
結論
附錄：用語集
圖表一覽
Abstract
Boston, MA -- If Visa's view of the world comes to pass, merchants,
acquirers, and issuers will be embarking on the most complex update to their
payments infrastructure in 20 years. The EMV card security standard, designed
to eliminate counterfeit cards, is now an issue for U.S. organizations. At the
same time, interest in smartphone-based mobile payments based on NFC is
ramping up. Both technology waves will come to U.S. shores simultaneously, and
entities that accept, process, route, or assume the risk for payments must
prepare.
Mercator Advisory Group's new report “Moving Parts: EMV, NFC
and Contactless Deployment in the U.S.” examines the larger issues
as well as specific instances of EMV and contactless payment acceptance. The
report details the state of global EMV deployment, dissects the nuanced
deployment options for EMV authorization and authentication, and (given the
Durbin Amendment's impact on debit processing fees)examines the likely role of
the PIN code in debit card issuance based on the EMV standard.
Highlights of this report include:
- The fundamental shifts in payment transaction origination and acceptance
the United States will soon see, and the impact they will have on how
merchants will make acquisition decisions.
- The ramifications of Visa's support for EMV contact and contactless
payments in the United States and the choices that now abound for issuers.
- The nuances affecting successful contactless payment acceptance, and the
reasons PayPass and PayWave cards may behave differently.
- The long-term outlook for the personal identification number, or PIN,
chip-and-pin, and chip-and-signature.
“The expected EMV rollout in the US will require no little choreography
on the part of merchants, acquirers and issuers because it will touch every
payment device.” states George Peabody, director of Mercator
Advisory Group's Emerging Technologies Advisory Service. “Given the
coincident timing of the EMV announcement and the arrival of NFC, merchants
have to carefully plan their POS infrastructure investments over the next five
years and more. Timing is everything.”
One of four exhibits in this report:
Partial List of EMV Deployments by Country
| Chipn-and-Offline PIN Countries | Cinp-and-Signature/Online PIN Countries |
| Europe | Norway | Spain | Australia |
| Belgium | Poland | Portugal | New Zealand |
| Estonia | Slovakia | Mexico | China |
| France | Sweden | Italy | India |
| Finland | UK | Turkey | Malaysia
(until 2015) |
| France | Japan | Germany | Russia |
| Ireland | Malaysia
(after 2015) | | Rest of Asia is
predominantly signature |
| Netherlands | Canada | | |
Rest of Europe is
Signature | Brazil | | |
| | Chile | | |
This report is 23 pages long, with four figures and three tables. A valuable
glossary of contactless terms is included.
Companies mentioned in this report include: Visa, MasterCard, Michael's,
Maestro, U.K. Card Association, VELO, Silicon Valley Bank, and Bank of America.
About Mercator Advisory Group
Mercator Advisory Group is the leading, independent research and
advisory services firm exclusively focused on the payments and banking
industries. We deliver pragmatic and timely research and advice designed to
help our clients uncover the most lucrative opportunities to maximize revenue
growth and contain costs.
Table of Contents
Executive Summary
Introduction
EMV and Deployment in the United States
Debit and EMV: To PIN or Not to PIN
Contactless: Where Contactless, Continents and EMV Collide
Conclusion
Appendix: Glossary
Table of Figures
- Figure 1: The United States is the Last Major Market to Adopt EMV
- Table 1: Partial List of Chip-and-Offline PIN v. Chip-and-Signature
Countries
- Figure 2: U.S. Debit Card Fraud 2009
- Figure 3: Eliminating Counterfeit Increases Other Fraud Vectors,
Especially Stolen and CNP
- Figure 4: Modeling the Comparative Impact of EMV and PIN on Debit Fraud
Loss Types
- Table 2: PIN Debit Decreases Fraud Losses Further
- Table 3: Transaction Flows for Magstripe and EMV Cards and Terminals
結算手段的變動：美國引進EMV•NFC•非接觸式結算手段
2012年01月10日
Global Information, Inc.已開始銷售美國市場調查公司Mercator Advisory Group, Inc.所發行的報告書「Moving Parts: EMV, NFC and Contactless Deployment in the US (付款方式的變動：在美國的EMV・NFC・非接觸式付款方式的導入)」
若能透過Visa的世界觀，則商人、加盟店契約公司及發行者，在20年間將進行最複雜的基礎設施更新。
在美國內部有關轉帳卡結算手法的議論（手續費的問題、Durbin修正條款等）混亂中，使用EMV（ＩＣ卡國際規格）卡的安全性技術標準面臨普及困難的狀況。
另一方面，大眾對使用NFC（短距離無線通訊）智慧手機活用型的行動付款之關心迅速高漲。此2個技術迅速普及中，有關人員必須估計、接受、處理新結算手段的風險。
本報告書針對美國國內EMV、NFC、非接觸式結算手段新結算用技術的總括性及各別問題點進行分析，考察全世界與美國EMV的普及狀況，PIN（個人識別碼）等的認證•結算諸問題、以及新技術規格的競爭等事項。
報告書的要點
- 美國結算交易的組成和包容今後將徹底變化，及對商人決定收購的影響
- Visa的支持對美國EMV接觸•非接觸型結算的影響，以及可供發行者選擇的豐富方案
- 影響非接觸型結算成功的微妙處，及應與PayPass和PayWave卡不同的理由
- 個人識別碼、PIN、chip-and-pin及chip-and-signature的長期預測
