At the 2016 UnionPay Card Certification Enterprise Annual Meeting, China UnionPay made arrangements for the deployment of UnionPay card acceptance terminals and innovative payment standards, and announced the "Technical Specifications for UnionPay Card Point of Sale (POS) Terminals" (revised), "China UnionPay Mobile" Payment Technical Specifications (Revision) and "China UnionPay Biometrics Technical Guidelines" (new edition) three standard specifications. Through the introduction of corresponding strategies in technical standards, innovative products, certification management, etc., it provides technical support for various innovative products and applications based on financial IC cards, and further promotes and expands the comprehensive acceptance of financial IC cards and mobile financial products in various fields.
POS terminal: focus on cloud flash payment and small exemption
In recent years, all parties of UnionPay's joint industry are vigorously promoting the multi-application of financial IC cards, and constantly improving and adapting the acceptance environment by strengthening the construction of non-received markets, in order to expand the influence of financial IC cards in various fields. Last year, the UnionPay logo product certification office issued a notice requesting that from July 1, 2015, all new applications and UnionPay card acceptance terminals that have passed the application for renewal must have non-connected IC card functions. It has promoted the improvement of the acceptance environment of UnionPay “Flash Pay†and “Cloud Flash Payâ€. It is understood that as of the end of 2015, the number of non-receiving POS terminals in the country has reached 8.4 million, accounting for 37% of all POS terminals, and financial payment has gradually entered the era of flash payment.
The "Technical Specification for UnionPay Card Point of Sale (POS) Terminal" (revised) announced this time, on the function of supporting non-acceptable IC cards for POS terminals, the focus is on cloud flash payment, small visa-free and confidentiality, and marketing activities. Requirement: Enhance the experience of cloud flash payment and non-contact IC card acceptance by supporting CDCVM and pilot priority card; optimize the transaction experience and remotely add the function of debit card bin to realize the comprehensive promotion of small exemption and exemption visa business; Purchase orders, settlement forms, interface processes, and focus on marketing activities. The optimization of the experience for key marketing activities also means that UnionPay pays more attention to the experience of B-side merchants and C-end consumers.
In November last year, China UnionPay officially launched a small-scale confidential-free visa-free service, enabling UnionPay IC cards and mobile payment devices to achieve a confidential exemption of 300 yuan or less at the time of payment. Up to now, all UnionPay IC credit cards and 12 national bank IC card debit cards have been supported for single-issue free secret exemption within 300 yuan. "Technical Specification for UnionPay Card Point of Sale (POS) Terminal" (Revision) The function of adding remote debit card bin, adding debit card bin and exempt card bin blacklist can be downloaded multiple times to help realize small amount of confidential business. From the second phase to the comprehensive promotion phase. In order to prevent some major banks from going online during the general promotion phase, the blacklist control of the exempted card is standardized. The blacklist card does not participate in the confidentiality during the general promotion phase.
In addition, the POS terminal and the check-out order and settlement statement printed by the terminal newly add the secret-free prompt to further enhance the public awareness; the confidential-free visa-free confidential transaction online dialing is advanced from the end of the swing card to the end of the lost amount, effectively reducing the terminal. Transaction processing time to optimize the trading experience. At the same time, the cardholder and the cashier are required to force the card to cultivate the habit of using the card; the original POS terminal prompts “Please swing the card, insert the card or swipe the card†to further optimize it. It is recommended to use “Please wave the card and use the cloud to payâ€. In the promotion of cloud flash payment, such tough measures may optimize the unacceptable environment. It is understood that UnionPay has already carried out pilot verification work in some merchants in Hangzhou and Wuhan, and will be included in the unified terminal program after the pilot verification.
Mobile payment: highlight HCE to increase online ODA function
In December last year, China UnionPay and more than 20 commercial banks jointly released the “Cloud Flash Pay†product. HCE, as an important member of the UnionPay cloud flash payment series, expanded the range of mobile phones supporting cloud flash payment and increased The coverage of cloud flash payment. In order to improve the functions of HCE products and improve the payment experience of users, China UnionPay Mobile Payment Technical Specification (revised) upgrades the cloud flash payment HCE products, and revised the non-connected mobile application based on host card simulation technology in the specification. Specification and Implementation Requirements for Cloud Payment Platform System Based on Host Card Simulation Technology.
In order to clarify the definition of the specification, avoid the concept of cloud and other users to misunderstand and confuse the content of the specification, "China UnionPay Mobile Payment Technical Specification" (revised) changes the name of the specification, highlights the concept of HCE (Host Card Simulation), and will be based on the cloud payment platform. The non-contact mobile application specification was changed to "non-connected mobile application specification based on host card simulation technology"; "system implementation requirements based on cloud payment platform" was changed to "cloud payment platform system implementation requirements based on host card simulation technology".
It is worthwhile to note that the "Non-connected Mobile Application Specification Based on Host Card Simulation Technology" and "Cloud Payment Platform System Implementation Requirements Based on Host Card Simulation Technology" both add support for online ODA functions. ODA is offline data authentication. The online ODA function enables the terminal to obtain the authorization response of the issuing bank when conducting online qUICS transactions, and judge the authenticity of the card through offline data authentication, and provide new payment solutions for specific industries such as subway. Program. It is reported that the mobile payment implemented by the London Underground last year used ODA technology. For complex financial IC cards and mobile payment applications in China, the ODA function can be used instead of the electronic cash mode. Cardholders do not need to worry about the flash card. At the same time, the problem of control of the industry key problem is avoided, and the terminal does not need to be frequently modified, and the background system can achieve accurate matching and discount promotion.
In addition, UnionPay also requested to increase CDCVM support for HCE. CDCVM refers to the fact that consumers input personal information such as fingerprints and passwords on their own devices, and perform and verify on existing devices. This application specification further complements CDCVM verification, which is an enhanced version of the small amount of confidentiality, that is, when trading on a free device, CDCVM authentication does not require a password.
Biometrics: based on security chip or TEE
In the past two years, mobile payment has developed rapidly, and it has nothing to do with the emerging biometric technology. For mobile payment, identity authentication and password security are essential. Traditional digital passwords are easy to steal and easy to forget, while biometrics are unique, hereditary and life-changing. Whether it is QR code payment or nfc payment, biological As a way of identity and password authentication, the feature brings a safer and more convenient payment experience to users, which strongly promotes the development of mobile payment. In view of the fact that there is no unified bio-certification standard for the financial industry in China, UnionPay announced the “China UnionPay Bio-certification Technical Guidelines†(new edition), which is expected to end the chaotic situation defined by each financial industry and specify the development of all parties in the industry chain. Direction, shorten the application landing period.
The China UnionPay Biometrics Technical Guidelines (new edition) guides the biometric authentication technologies for online and offline transactions from the technical framework, security system, hardware and software requirements and interface data. The technical framework includes the current market mainstream. Fingerprint recognition, face recognition, iris recognition, three biometric products and applications as a unified standard specification, and reserved technical support for the expansion and application of other biometric technologies, so that it is easier and faster to access other organisms in the future. Identification technology.
In order to meet the high security requirements in the financial payment field and provide cardholders with safer, faster and simpler payment methods, the UnionPay biometric technology framework requires biometric technology applications based on security chips or TEE to ensure that the modules at the bottom of the device are secure. Run in a trusted environment; establish a secure channel and key mechanism to ensure secure communication and storage of confidential data such as biometric templates, keys, certificates, etc.; use certificates and digital signatures to ensure that the comparison results are not modified during transmission. And non-repudiation, and certification of the legality of the device; the key data link of the certification uses biometrics combined with business processes to authenticate the legality of the user's identity.
Biometric security environment process
The UnionPay Biometrics Technical Guidelines focus on the identification of fingerprint technology and security services. Since Apple supports fingerprint recognition technology, the appeal of mass consumers to support fingerprint technology for smart devices has increased significantly, and more and more mobile phones have begun to add fingerprint recognition. However, due to the lack of uniform standards, it is difficult for all parties in the industry to reach a consensus. The fingerprint identification solutions and acquisition technologies adopted by different mobile phone manufacturers are very different, such as pressing, sliding, and touch. Identifying the solution brings some trouble to the user experience.
The UnionPay biometric authentication technology adopts the push-type fingerprint identification scheme, which requires online payment support for cardless payment, card payment, payment gateway, and can be directly paid after pressing the fingerprint; offline payment can activate NFC payment after activation of the fingerprint service, or Paying directly through CDCVM will greatly enhance the payment experience and security.
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