View source for Talk:EMV

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{{Copied|from=Chip and Signature|from_oldid=668996441|to=EMV|to_diff=668795850|to_oldid=668996365|date=27 June 2015}}
{{Copied|from=Chip and PIN|from_oldid=665944438|to=EMV|to_diff=669224781|to_oldid=669215688|date=29 June 2015}}

{{connected contributor (paid)|User1=EmeraldKestrel |U1-employer=iseepr}}
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== June 2021 edit request ==

{{edit COI|D|Account blocked. See additional comments}}

Hello, could you please take a look at my sandbox edits. Two main changes: one to the history of the founders and one to EMV Chip Specifications, which is a reworked section. Link is below.

[[User:Kirsty Blackburn iseepr/sandbox]] 

[[User:Kirsty Blackburn iseepr|Kirsty Blackburn iseepr]] ([[User talk:Kirsty Blackburn iseepr|talk]]) 13:57, 28 June 2021 (UTC)
:{{notdone}} Per [https://en.wikipedia.org/enwiki/w/index.php?title=User_talk%3AKirsty_Blackburn_iseepr&type=revision&diff=1031618526&oldid=1030888211 User talk page] individual will be setting up a new account and submitting an updated request so closing this one out. [[User:S0091|S0091]] ([[User talk:S0091|talk]]) 20:06, 11 July 2021 (UTC)

== August edit request ==
{{edit COI|D}}

1. Replace, in History section, paragraph beginning with "EMV originally stood for..." with the following:

The EMV abbreviation originally combined the first letter from the three companies that created the standard, [[Europay International|'''E'''uropay]], [[Mastercard|'''M'''astercard]], and [[Visa Inc.|'''V'''isa]].<ref name=sciencedirect>{{cite web |last1=Ward |first1=Mike |title=EMV — The ICC specifications for payment systems |url=https://www.sciencedirect.com/science/article/abs/pii/S0167404899800144 |publisher=[[Science Direct]] |date=1999}}</ref> EMVCo was founded in 1999 to manage the specification,<ref name=emvco>{{cite web |title=Terms of Use |url=https://www.emvco.com/terms-of-use/?u=wp-content/uploads/documents/A-Guide-to-EMV-Chip-Technology-v3.0-1.pdf |publisher=EMVCo}}</ref> with [[JCB Co., Ltd.|JCB]] joining in 2004 and [[American Express]] joining in February 2009,<ref name=emvco /> [[China UnionPay]] in May 2013, and [[Discover Financial|Discover]] in September 2013.<ref name=emvco /> EMVCo's close collaboration with the payments community – merchants, issuers, acquirers, payment networks, financial institutions, manufacturers, technology providers and testing laboratories – is crucial in adapting and advancing the EMV Specifications.<ref>{{cite web |title=How EMVCo Collaborates with the Payment Community to Develop EMV® Specifications |url=https://www.emvco.com/emv_insights_post/how-emvco-collaborates-with-the-payment-community-to-develop-emv-specifications/ |publisher=EMVCo}}</ref> All EMV Specifications are subject to public consultation prior to publication and available for use by any organisation royalty-free. <ref>https://www.emvco.com/wp-content/uploads/2021/08/EAP-Policy-and-Procedures-Version-6-eff-1-Sept.-2021.pdf</ref>

2. Rename "Control of the EMV standard" section to "EMV Chip Specification".

3. Replace text in "Control of the EMV standard" section with the following to address citation needed issues. 

[[File:Kontaktfeld.Kreditkarte.EMV-Standard.jpg|thumb|Contact pad for the electrical interface on the front side of a credit card]]

In 1994, [[Europay]], [[MasterCard]], and [[Visa]] began developing a global chip specification for payment systems.<ref name=sciencedirect /> The specification was published two years later, in 1996.<ref name=sciencedirect /><ref>https://www.bloomberg.com/profile/company/511060Z:US</ref> In 1999, a privately owned corporation, EMVCo LLC, was created to manage the specification.<ref name=sciencedirect />[33] The Members of EMVCo are [[American Express]], Discover Financial, JCB International, [[Mastercard]], [[China UnionPay]], and [[Visa Inc.]].<ref name="emvco members">{{cite web |last1=EMVCo |title=EMVCo Members |url=https://www.emvco.com/about/emvco-members/ |access-date=1 August 2020 |ref=emvco-members}}</ref> Each of these organizations owns an equal share of EMVCo and has representatives in the EMVCo organization and EMVCo working groups.<ref name="emvco members" /> 

The EMVCo Associates Programme (EAP) was established in 2010 to facilitate engagement and enable the broader payments community to play an active role in EMVCo’s strategic and technical direction.<ref>https://www.emvco.com/get-involved/associates/</ref><ref>EMVCo adds associate programme members</ref> Since the EAP’s establishment there have been regular enhancements to the programme in order to meet changing industry requirements. These enhancements include formalising the role of the EAP in the development of EMV® Specifications across all technologies, expanding the application of public consultation to this process, and provision for the EMVCo Board of Advisors to vote to approve EMV Specifications for official publication.<ref>https://www.emvco.com/wp-content/uploads/2021/08/EAP-Policy-and-Procedures-Version-6-eff-1-Sept.-2021.pdf</ref>

EMV Compliance testing has three levels: EMV Level 1, which covers physical, electrical, and transport-level interfaces;<ref name=termsofuse>https://www.emvco.com/terms-of-use/?u=wp-content/uploads/documents/TIB-001-Formal_Adoption_of_Level_3_20150318045356884.pdf</ref> EMV Level 2, which covers payment application selection and credit financial transaction processing;<ref name=termsofuse /><ref>https://www.emv-connection.com/emv-101-fundamentals-of-emv-chip-payments/</ref><ref>https://www.emvco.com/wp-content/uploads/2017/05/EMVCo_TTA_Contact_L2_admin_process_v26_170203.pdf</ref> and EMVCo Level 3, which covers the integration of an EMV payment or cash dispensing terminal with any merchant or bank system.<ref>https://www.emvco.com/wp-content/uploads/2017/08/EMVCo-Level-3-QA_FINAL_14-August-2017.pdf</ref> Recognition of compliance with the EMV standard (i.e., device certification) is issued by EMVCo following submission of results of testing performed by an accredited testing house.

[[User:EmeraldKestrel|EmeraldKestrel]] ([[User talk:EmeraldKestrel|talk]]) 15:23, 27 August 2021 (UTC)
:[[File:Red information icon with gradient background.svg|20px|link=|alt=]] '''Not done:''' <!-- Template:ECOI --> Excessive use of primary sources and evident PR. [[User:Quetstar|Quetstar]] ([[User talk:Quetstar|talk]]) 16:11, 27 August 2021 (UTC)

::{{Reply to|Quetstar}} Thanks for reviewing the previous edit request. I have now submitted a new edit request below using third party sources and different copy. It also replaces a couple of primary sources currently live on the page. [[User:EmeraldKestrel|EmeraldKestrel]] ([[User talk:EmeraldKestrel|talk]]) 10:50, 14 October 2021 (UTC)

{{reflist-talk}}

== October edit request ==
{{edit COI|D}}

1.	We are trying to clarify details on the six organisations that collectively own EMVCo (RuPay is not one of these), including correcting inaccurate dates for when they joined, in the History section, paragraph beginning with "EMV originally stood for...". Edit request copy:

The EMV abbreviation originally combined the first letter from the three companies that created the standard, [[Europay International|'''E'''uropay]], [[Mastercard|'''M'''astercard]], and [[Visa Inc.|'''V'''isa]].<ref>{{cite web |last1=Ward |first1=Mike |title=EMV — The ICC specifications for payment systems |url=https://www.sciencedirect.com/science/article/abs/pii/S0167404899800144 |publisher=[[Science Direct]]}}</ref> EMVCo was founded in 2005 to manage the specification,<ref name=finextra>{{cite web |title=JCB acquires a one-third stake in EMVCo |url=https://www.finextra.com/newsarticle/13027/jcb-acquires-a-one-third-stake-in-emvco |publisher=Finextra |date=December 21, 2004}}</ref> with [[JCB Co., Ltd.|JCB]] and [[American Express]] joining in February 2009, [[China UnionPay]] in May 2013, and [[Discover Financial|Discover]] in September 2013.<ref name=finextra /><ref>{{cite web |title=American Express joins EMVCo as fourth owner-member |url=https://thepaypers.com/cards/american-express-joins-emvco-as-fourth-owner-member--737005 |publisher=The Paypers |date=February 3, 2009}}</ref><ref>{{cite web |last1=Yuwei |first1=Zhang |title=China UnionPay joins chip-card standards body |url=http://www.chinadaily.com.cn/kindle/2013-05/21/content_16515928.htm |publisher=[[China Daily]] |date=May 21, 2013}}</ref> Industry stakeholders such as banks, merchants and processors work with EMVCo to adapt and advance the specifications.<ref>{{cite web |last1=Gregory |first1=Erin |title=What is EMV compliance? |url=https://www.techradar.com/news/what-is-emv-compliance |publisher=[[TechRadar]] |date=July 29, 2021}}</ref> Each new specification is subject to a public consultation period prior to publication.<ref>{{cite web |title=EMVCo Releases Draft EMV Secure Remote Commerce Specs |url=https://www.pymnts.com/news/emv/2018/emvco-secure-remote-commerce-specs-payments-security/ |publisher=PYMNTS |date=October 19, 2018}}</ref>

: For reference, the section currently reads as follows:
: EMV originally stood for [[Europay International|'''E'''uropay]], [[Mastercard|'''M'''astercard]], and [[Visa Inc.|'''V'''isa]], the three companies that created the standard. The standard is now managed by [[EMVCo]], a consortium with control split equally among Visa, Mastercard, [[JCB Co., Ltd.|JCB]], [[American Express]], [[China UnionPay]], and [[Discover Financial|Discover.]]<ref>{{cite web |title=EMVCo Members |publisher=EMVCo |url= http://www.emvco.com/about_emvco.aspx?id=156 |access-date=10 May 2015}}</ref> EMVCo also refers to "Associates," companies able to provide input and receive feedback on detailed technical and operational issues connected to the EMV specifications and related processes.<ref>{{cite web |title=EMVCo Associates |url=https://www.emvco.com/get-involved/associates/ |publisher=EMVCo}}</ref>

: JCB joined the consortium in February 2009, [[China UnionPay]] in May 2013,<ref>{{cite press release |title=China UnionPay joins EMVCo |date=20 May 2013 |publisher=Finextra Research |url=http://www.finextra.com/news/announcement.aspx?pressreleaseid=49871 |access-date=10 May 2015}}</ref> [[Discover Financial|Discover]] in September 2013,<ref>{{cite web |publisher=Discover Network News |title=Discover Joins EMVCo to Help Advance Global EMV Standards |date=3 September 2013 |url= http://blog.discovernetwork.com/stories/news/discover-joins-emvco-to-help-advance-global-emv-standards/ |access-date=10 May 2015}}</ref> and RuPay on 26 March 2012.<ref>{{Cite news|url=https://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/npcis-rupay-debit-cards-to-rival-visa-and-mastercard/articleshow/12424537.cms|title=NPCI's RuPay debit cards to rival Visa and Mastercard|date=27 March 2012|work=The Economic Times|access-date=25 July 2019}}</ref>

2. Request to rename "Control of the EMV standard" section headline to "EMV Chip Specification”. This section refers explicitly to the Chip specification – it does not necessarily apply to other EMV specifications such as for online payments or QR Code payments etc. The section also requires work (references), so I will be looking to add suitable references in future. [[User:EmeraldKestrel|EmeraldKestrel]] ([[User talk:EmeraldKestrel|talk]]) 10:41, 14 October 2021 (UTC)
{{reflist-talk}}
:[[File:Red information icon with gradient background.svg|20px|link=|alt=]] '''Not done for now:''' <!-- Template:ECOI --> Thanks for reworking the above edit, and sorry it has taken so long for someone to get to you. If you are still interested, the proposed text looks mostly good, but there are a few things to keep in mind. Make sure the citations are using the proper template, e.g., <nowiki>{{cite journal}}</nowiki>, <nowiki>{{cite news}}</nowiki>, etc. (those two are available in the editor toolbar). As for the EMV chip specification standard header change, that has been {{done}}. <span style="border-radius:9em;padding:0 7px;background:#ffedd1">[[User:WhinyTheYounger|WhinyTheYounger (WtY)]]<span style="color:#000000"></span></span>([[User:WhinyTheYounger|talk]], [[Special:Contribs/WhinyTheYounger|contribs]])  21:07, 11 April 2022 (UTC)

::{{reply to|WhinyTheYounger}} Thanks for your helpful review. I have amended the references I believe you were referring to, so they should now all be using the <nowiki>{{cite news}}</nowiki> template. Hope that's ok. Do I need to resubmit this? [[User:EmeraldKestrel|EmeraldKestrel]] ([[User talk:EmeraldKestrel|talk]]) 16:13, 12 April 2022 (UTC)

::{{reply to|WhinyTheYounger}} Hi there, I wondered if you could 'ok' the updated version to go live? I saw a question from another user about this section, so hopefully the extra clarity this proposed update provides will be helpful, and it can be made without needing to put it back into the review backlog? If you'd rather I put it back into that process, that's fine but please let me know - thanks. [[User:EmeraldKestrel|EmeraldKestrel]] ([[User talk:EmeraldKestrel|talk]]) 11:11, 27 June 2022 (UTC)

== My balance Bangladesh  ==

Visacart 4170331187230854 [[Special:Contributions/58.145.185.250|58.145.185.250]] ([[User talk:58.145.185.250|talk]]) 19:24, 28 July 2023 (UTC)

:58.145.185.250 [[Special:Contributions/58.145.185.250|58.145.185.250]] ([[User talk:58.145.185.250|talk]]) 19:38, 28 July 2023 (UTC)