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Education

There is another all-too-familiar source The semi-integrated path
of unwanted liability. A customer's card
fails or the chip reader is slow, customer Companies that choose the EMV semi-integrated path can immediately free up
get antsy and starts bailing out of line, their IT resources for growth- and customer-oriented advances that also have
so the sales person says, "Just go ahead massive fraud-reduction potential such as cybersecurity and omnichannel
and swipe" without having taken ad- integration. Today, with disparate, unconnected channels, fraud management
ditional steps to verify the card is le- systems have multiple points of potential failure and experience difficulty
gitimate. If that purchase turns out to responding in real time. Once they have a common funneling point for fraud
be fraudulent, that's entirely the mer- management systems to access, they can prevent catastrophic losses like those
chant's liability. caused by the Target and Home Depot breaches.

The remedy for such needless exposure Additionally, EMV's semi-integrated solution helps companies retain their best
is the proverbial "black box" – or semi- IT resources. For now, the supply of EMV expertise falls short of demand, but
integrated system. As in other IT areas, EMV IT experts know there will come a time when their expertise will be in
the EMV black box provides the mer- less demand. It is not surprising that many will soon prefer to devote their
chant with a pre-certified device or a efforts to IT specialties that have stronger staying power, for example, artificial
middleware or a software development intelligence, data analytics.
kit equipped with standard integration
points, without requiring the merchant Companies exist to prosper and compete and not lose their competitive edge
to know or understand or access any of by spending all their cycles on achieving EMV compliance. Semi-integrated
its internal workings, other than know- EMV systems, built as pre-certified solution packages, enable all parties in the
ing they have been fully certified by the EMV compliance chain to shift their best IT resources back to priority business
appropriate bodies. goals and still achieve safe, rapid and full EMV compliance.
Knowledge isn't safety
Naga Jagadeesh is Vice President, Payment and Loyalty Solutions for U.S.-based ThoughtFocus,
Instead of "knowledge is power," the the consulting, software engineering and business process management firm. He can be reached
semi-integrated solution motto is "lack at naganandj@thoughtfocus.com.
of knowledge is safety."

The semi-integrated solution keeps the
merchant immune to sensitive data. Let Be Your EMV Expert!
When a card is inserted, the black box
reads the data and processes it inde- Your EMV Eco-System Made Affordable!
pendently of anything within the mer-
chant's control. It brings back the autho- eProcessing Network has the secure, payment solutions to help you stay current with the
rization and returns the sensitive data. technologies that keep your merchants connected. And with real-time EMV capabilities,
When the merchant is audited, the use retailers can not only process contact and contactless payments, Apple Pay and Android Pay,
of the black box shrinks the Payment they’re able to manage their inventory as well as balance their books via QuickBooks Online.
Card Industry audit scope only to as-
pects the merchant actually touches.
All necessary changes can be pushed
through the black box, without any user
parties having to see or touch sensitive
data. is EMV-Certified

Not only does this offer protection from
liability, the EMV semi-integrated solu-
tion also preempts extensive integration
and customization by each merchant's
IT team – and the subsequent testing
and certification of each process. In the
absence of a semi-integrated system, IT
people must load new software on the
back-office systems, then they have to
go through a lengthy, somewhat ardu-
ous, but very important certification
process. This cannot be fobbed off on
the inexperienced. And, of course, the 1(800) 296-4810 © eProcessing Network, LLC. All Rights Reserved.
experienced are hard to find and always eProcessingNetwork.com All trademarks are the property of their respective holders.
overbooked.
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