The Forum completed 24 projects this year, including best practices, technical guidance, FAQs, webinars, workshops, and other educational resources.
Highlights of Forum Activities
Contactless and Mobile Payments
An important focus for Forum activities was implementation of EMV contactless payments with cards and mobile devices. Forum working committees and project teams published: guidelines for contactless ATM transactions, best practices for the consumer experience at the point of sale, guidance on PIN bypass in contactless transactions, an EMV payment tokenization primer, guidance on emerging data elements used in mobile wallets, and recommended solutions for streamlining EMV Level 3 contactless certification.
The industry sees continued growth in CNP fraud with new technologies being introduced to address the problem. Forum activities this year included education and cross-industry discussion of the EMV 3-D Secure (EMV 3DS) and Secure Remote Commerce (SRC) specifications from EMVCo, and launching projects to understand new tools, technologies and methods for authentication in e-commerce and m-commerce transactions.
The automatic fuel dispenser (AFD) community continues to move forward with EMV implementation to meet the October 2020 fraud liability shift deadline for outdoor pay-at-the-pump retailers. The Forum’s Petroleum Working Committee was active in facilitating discussion of challenges and worked with the Testing and Certification Working Committee to define options for reducing EMV Level 3 certification time for retailers using electronic payment servers. The Forum also published educational resources to debunk EMV myths and clarify fraud liability for EMV contact and contactless transactions.
Contactless Open Payments in Transit
Major U.S. transit agencies are now implementing contactless open payments to pay for transit fares at the point of entry. The Forum’s Transit Contactless Open Payments Working Committee published a technical solution for pay-as-you-go transactions with contactless cards and mobile devices, held an educational workshop and webinar on the solution, and continues work on defining messaging best practices for transit customers to assist transit agencies who have yet to launch.