Ronnie Brunner, member of our Board of Directors, conducted a workshop on EMV Secure Remote Commerce (SRC) on both days of the ProfitCard conference.

1. Ronnie Brunner
2019-03-19
ProfitCard 2019 | 25hours Hotel Bikini Berlin
EMV® Secure Remote Commerce
EMV® is a registered trademark in the U.S. and other countries and an unregistered
trademark elsewhere. The EMVtrademark is owned by EMVCo, LLC

2. EMV® Secure Remote Commerce
Defined by First specification
DRAFT v0.9
18.10.2018
4

3. A typical checkout screen
5
... slightly exaggerated

4. The EMV SRC architecture takes getting used to
6
DSA SRCI SRC System SRC PI
DCF

5. 7
DSA
Digital Shopping
Application
Merchant shop on browser
or in app – but also Alexa,
Facebook Messenger or the
fridge

6. 8
SRCI
SRC Initiator
Provides the SRC
Software to the
merchant (or its PSP)
and connects the DSA to
the SRC System

7. 9
SRC System
SRC System(s)
Stores the digital cards and
other (meta) data and
orchestrates the
interactions of the other
SRC participants in the
purchase process

8. 10
SRC PI
SRC
Participating
Issuer
Enrolls the cards and
cardholders in the
respective SRC Systems,
stipulates the
authentication priorities,
and tells the DCF where
to find the card art

9. 11
DCF
Digital Card
Facilitator
Interface role to extract
the digital cards incl.
card art and address
from the SRC System

10. 12
Sample Checkout

11. This is how EMVCo sees the new roles
13

12. SRC Overview
14
SRC System
SRC Process
SRC System Processes SRC Checkout Process
Onboarding
Registration
Configuration
Enrollment
Binding
SRC Identification Collection
SRC Recognition
DCF Discovery
Payment Collection
Payload Delivery
Confirmation Management
SRC Events
SRC Checkout
SRC Participant
Establishment
SRC Profile
Management
Confirmation Request/Response
SRC Data Messages
Enrollment Request/Response
Binding Request/Response
Customer Profile Request/Response
Checkout Request/Response
Payment Request/Response
Payload Request/Response
SRC System Participants
DSA DCF SRC PI
SRCI

13. A bigger picture for all types of remote payment
15
Overall goal of the credit card networks
GOAL
Use tokens
everywhere, i.e.
fPAN only
on plastic
PI app with
common interface
to token system
for CoF & SRC
Guest
Check
-out
Device
Tokenization
EMV 3DS
Merchant
Tokenization
SRC
Card in
Wallets
Card
on File