The Montvale, N.J.-based Debit Network Alliance announced it has deployed DNA Shared Debit AID, an application identifier (AID) for chip cards that allows issuers to offer their cardholders non-globally branded debit cards.
According to DNA, which is composed of 10 leading U.S. debit networks, DNA Shared Debit AID allows merchants to choose to accept non-globally branded debit cards at the POS, as well as how they route their transactions. The issuance of non-globally branded debit cards allows issuers to control costs by lowering transaction fees.
Acquirers, acquirer processors and merchants accepting DNA chip cards must certify ATM and POS terminals by submitting a compliant terminal test report to the DNA for approval.
DNA also rolled out a new certification program that allows it to confirm whether EMV chip cards using the DNA Shared Debit AID and their corresponding acceptance terminals are in compliance with DNA requirements.
"Having an effective certification process is essential to making sure everything will work correctly when transactions are processed using the DNA AID," Paul Tomasofsky, executive director for DNA, said.
The San Francisco-based EMV chip card payments consulting firm FIME provided the testing and certification tools to allow for successful and efficient market integration while ensuring security and interoperability, while the Netherlands-based digital security company Gemalto provided the technical support to ensure the shared AID is up to industry standards.
FIME is also the first company to have its chip card personalization validation services and POS/ATM certification test platform approved by the DNA Shared Debit AID certification program.
FIME's DNA-approved issuer services include technical consulting for DNA card personalization profile definition, and a separate DNA Card Personalization Validation service to audit the card against DNA requirements and produce a test report for the issuer.
During the DNA card certification process, card issuers submit their final personalized cards to FIME, and a compliant test report then goes to the DNA for final approval.
FIME has integrated its DNA-approved test tool into its SAVVI Test Platform, which enables terminal testing against DNA requirements and produces the test reports that are submitted to the DNA.
FIME's SAVVI Test Platform is a multi-brand test tool for acquirers and processors, for both POS and ATM, which supports test cards, automated test result analysis, test report generation and online test card maintenance.
"We are proud to be working with the DNA, providing guidance to help prepare the test plan, define scenarios and identify what needs to be tested," Xavier Giandominici, director for FIME America, stated.
Giandominici added, "We also wanted to streamline the process. So in combination with the DNA AID certification program, we developed test tools and consulting services that will simplify and speed up the process for issuers and acquirers. Using these tools helps ensure organizations will meet certification requirements with minimum efforts and the right level of support."
The founding networks of Debit Network Alliance are AFFN, ATH, CO-OP Financial Services, Jeanie, NETS, NYCE, Presto!, PULSE, SHAZAM and STAR.
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Roy Urrico
Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).
