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市場調查報告書

EMV的全球扣款交易:實踐指南

Debit Transactions in an EMV World: A Practical Guide

出版商 Mercator Advisory Group, Inc. 商品編碼 336464
出版日期 內容資訊 英文 22 Pages
商品交期: 最快1-2個工作天內
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EMV的全球扣款交易:實踐指南 Debit Transactions in an EMV World: A Practical Guide
出版日期: 2015年07月30日 內容資訊: 英文 22 Pages
簡介

本報告提供9個扣款交易類型的相關調查,各類型的網路類型,尺寸規格,CVM,聊天類型,及影響交易方向的環境識別,流程中主要活動概述的流程圖,主要的市場參與企業,以及從客戶的付款選擇到認證反應的交易流程產生之流程簡單說明。

本調查提及的企業

  • Accel, AFFN, American Express, Apple, Capital One, Credit Union 24, Discover, EMVCo, JCB, Jeanie, Kroger, MasterCard, MCX, NYCE, Presto!, PULSE, Shazam, Target, UnionPay, Visa, Walmart, 及 ZipLine

主要的調查內容

  • 9個扣款交易類型詳細評論及透過付款系統的處理方法
  • PIN扣款交易相關Dodd-Frank法的影響分析
  • Visa的PAVD (PIN Authentication Visa Debit ) 產品及相關的商人獎勵的評論
  • MasterCard 及 Visa的tokenization vault services 的主導作用給行動付款帶來怎樣的影響相關的評論
目錄

Understanding the course that a debit transaction travels through the payments value chain has never been more important. Recent processing changes, new technologies, and incentives have had a material impact on the way transactions are routed and have created winners and losers in the process.

Mercator Advisory Group's research report, ‘Debit Transactions in an EMV World: A Practical Guide’, follows each of nine debit transaction types at a business level from the point a consumer makes a payment selection to the authorization response. For each debit transaction type, the report identifies the network type, form factor, CVM, message type, and environment influencing the path of the transaction, and presents a process flow diagram that outlines the major milestones in the process, noting the key participants and briefly describing the process occurring as the transaction winds its way from the customer's payment choice to the authorization response. Analysis of recent events that have materially impacted the transaction type is presented in the text following each flowchart and includes commentary on potential changes that may influence the transaction type's future.

“We have witnessed an incredible amount of change in debit transactions over the prior two years that has materially impacted banks, processors, merchants and networks financially and operationally. With the advent of the EMV migration, tokenization, and commercialization of mobile payments, managing change becomes critical. Understanding the existing payments infrastructure and how it works at a fundamental level will be critical to those with payment-related businesses to protect and grow,” comments Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group, and author of this report.

This report has 22 pages and 10 exhibits.

Companies mentioned in the report include: Accel, AFFN, American Express, Apple, Capital One, Credit Union 24, Discover, EMVCo, JCB, Jeanie, Kroger, MasterCard, MCX, NYCE, Presto!, PULSE, Shazam, Target, UnionPay, Visa, Walmart, and ZipLine

Highlights of the report include:

  • A detailed review of 9 debit transaction types and the way they are processed through the payments systems
  • Analysis of the impact of Dodd-Frank Regulation II on PIN debit transactions
  • Review of Visa's PIN Authentication Visa Debit (PAVD) product and associated merchant incentives
  • Commentary regarding how MasterCard and Visa's dominant role in tokenization vault services may affect mobile payments
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