Plug the Augusta in, intercept its character stream (TLVs come across the wire as “keyboard data”), do whatever preprocessing you want to do in JavaScript, send the resulting data off to your favorite gateway, acquirer, or back end and you’re done. What it means for ISVs, payment-app developers, and POS-system integrators is that there is now, finally, an inexpensive EMV card reader that can be integrated into “virtual terminal” scenarios in literally a day or two, using JavaScript and browser technology (and driverless USB). That’s exactly what the patent-pending Augusta with Quick Chip is (see photo).įor under $150, you have an encryption-enabled EMV L2 chip-card reader that can run a transaction in two seconds (or, alternatively, fall back to magstripe) while also outputting EMV data as a character stream, in “keyboard mode.” The latter is important, because “keyboard mode” character data is what many browser-based POS systems require and yet, to date, no chip-card (EMV) reader, as far as we know, has been designed to operate in this mode (except for the patent-pending Augusta). What many of these merchants are waiting for is an ultra-low-cost, EMV-certified, encryption-enabled chip-card reader that integrates easily with phone, tablet, or PC-based POS systems. All of the largest retailers (and ATMs) can process chip-card transactions, but there are still literally millions of smaller (and midsize) merchants, in the U.S., who either can’t or won’t upgrade to a fully functional EMV reader. Recall that in the U.S., we have a strange situation in which 80% of credit cards now have a chip, but less than a third of merchants have chip-capable readers that are turned on and functional. We think it has the potential to change the outlook for EMV in the U.S.īut note well, this is not just about faster transactions (and the resulting better customer experience) it’s also about making EMV technology merchant-friendly, by letting chip-card readers interoperate with browser-based point-of-sale software, something that hasn’t been possible with chip-card readers until now. And it’s easy to implement we’ve done all the hard work for you. In case you haven’t heard, Faster EMV (originally a Visa innovation called Quick Chip, but now officially blessed by all major card issuers) has the potential to turn a 20-second chip card transaction into a super-fast (2-second) “dip and go” scenario. Read a Chip Card in Two Seconds with AugustaĪt ID TECH, we’re excited about Faster EMV (aka Quick Chip) technology.
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