W3C home > Mailing lists > Public > public-webpayments@w3.org > May 2015

EMV on the Web - Is it actually possible?

From: Anders Rundgren <anders.rundgren.net@gmail.com>
Date: Sun, 03 May 2015 08:35:55 +0200
Message-ID: <5545C1CB.3070405@gmail.com>
To: Web Payments CG <public-webpayments@w3.org>, "public-webpayments-comments@w3.org" <public-webpayments-comments@w3.org>
The traditional payment industry have settled on using EMV for POS transactions.
That is, even Apple Pay use EMV by emulating physical cards over an NFC transport.

EMV is a very low-level card protocol which at least historically always depended on a trusted "Payment Terminal" which in turn did the actual talking with other systems including the POS.

Now to the question:
A merchant Web server indeed function as a virtual POS but it doesn't really replace the payment terminal.

Could this be yet another reason [1] to why EMV haven't made it on the Web?
If this is the case there's a need for a new payment protocol which unlike EMV should work equally well in a brick-and-mortar shop!

Anders

1] https://lists.w3.org/Archives/Public/public-web-security/2015Feb/0101.html
Received on Sunday, 3 May 2015 06:36:28 UTC

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