Ron Carter

Ron has over 20 years of experience delivering payment solutions and products, focusing on applying standards and industry best-practice to enable secure infrastructure for financial services and payment networks.
Mobile Point of Sale Compliance – What is it all about?

Mobile Point of Sale Compliance – What is it all about?

PCI have recently released the new standard and compliance program for Mobile Payments on Commercial off-the-shelf devices (MPoC). This blog is the first of a series discussing Mobile Payments and the security requirements that need to be met. This one describes the compliance environment and the history of how it has reached this point.

Payments from a European Digital Identity (EUDI) Wallet

Payments from a European Digital Identity (EUDI) Wallet

The European Digital Identity Wallet (EUDI Wallet) is at the forefront of the European Commission's eIDAS initiative to establish a secure and user-friendly digital identity framework for citizens across the European Union, in order to securely store and manage various digital identity data such as driving license, permits, health cards, diplomas, etc. Beyond identity management, the EUDI Wallet also offers a secure payment solution that leverages the Payment Services Directive 2 (PSD2) and Single Euro Payments Area Credit Transfer (SCT) method. This article explores the features of EUDI Wallet, the process of PSD2 payments, and the stringent security measures employed by wallet providers to protect user funds and data. Discover how EUDI Wallet combines digital identity and payment services to provide a comprehensive and secure user experience.

European Banks Request the Inclusion of Payments in EU Digital Identity Wallet to be Reconsidered

European Banks Request the Inclusion of Payments in EU Digital Identity Wallet to be Reconsidered

The European Digital Identity Wallet (EUDIW) has the potential to serve as a comprehensive identity gateway, enabling individuals to manage their personal data and decide when and with whom to share it. A single digital ID can store personal credentials, including social, financial, medical, and professional data, as well as contacts and other information.

Exploring The EMV Personalization Process

Exploring The EMV Personalization Process

EMV Personalization of a payment card is the process of writing data to the card in order to make it ready for use. This includes loading the card with information such as account numbers, expiration dates, and other customer-specific data. It also refers to the process of loading cryptographic algorithms and keys onto credit cards using hardware or software tools. This ensures all personal data can be safeguarded against theft or misuse.