Smart card payment type (CHIP & PIN)

The Smart card differs from the magnetic card in that the Smart card is a chip card with integrated microprocessor and storage space for identification.

The Smart card is activated after placing it in the card reader. The Smart card remains in the card reader for the duration of the transaction. The magnetic card is swiped at the beginning of the transaction and then removed.

The PIN of the card owner is checked on the Smart card by the Retail Logic software whereas the magnetic card is only checked online or by the terminal software.

System prerequisites

Smart card transactions (CHIP & PIN) are only used at present in England. This credit card payment type assumes that the following software packages for the credit card transactions have been installed.

· Retail Logic Solve/SE,
A server software package for credit card transactions handling.

· Retail Logic SmartSwitch,
Software components for the POS client for communication with CHIP & PIN hardware with EMV Level 2 functionality.

· Anker Card Services,
Software components for support of a generic interface for communication with the Retail Logic software and the MICROS Retail OSCAR POS terminal application.

Both software packages, Card Services and Retail Logic software, are configured and administered separately by the MICROS Retail OSCAR POS application. The payment types with the appropriate parameters and the credit card parameters for the CHIP & PIN usage are only configured in the MICROS Retail OSCAR POS program.

MICROS Retail OSCAR POS parametering

The following parameters have to be updated for all credit card transactions:

Payment type (-> Parameter -> Payment -> Paymenttype)
Please note that this is not an EFT payment type. Communication with the reader is established via a generic interface of the Anker Card service software components. Additional card parameters must be set for the payment type.
Payment parameter (-> Parameter -> Payment -> Payment type -> Paymenttype)
Form 14 must be linked in the payment parameters for voucher print.
Card issuer (-> Parameter -> Payment -> Paymenttype -> Card issuer)
Issuer (-> Parameter -> Payment -> Issuer)
Card type (-> Parameter -> Payment -> Card type)
Card usage (-> Parameter -> Payment -> Card type -> Card usage)
Clearing institute (-> Parameter -> Payment -> Clearing institute)
Clearing parameter (-> Parameter -> Payment -> Clearing institute -> Clearing parameter)

One or two of the parameters listed above are not required for configuration of Smart card (CHIP & PIN) transactions.

The Retail Logic software has its own concept for the credit card issuers. Therefore, it is not necessary to parameter an issuer for each credit card type in the MICROS Retail OSCAR POS POS program.
The Retail Logic software looks after all relevant issuers and credit card data in its own database instead of the data stored in the MICROS Retail OSCAR POS program.
The appropriate parameters are linked in the OCAR program to a credit payment type for credit card transactions which are recorded via the CHIP card reader. The number range for the card no. (PAN = Primary Account No. for link of the issuer is ignored in a credit transaction with a CHIP card.
Links to the appropriate issuer are established via the stated number range for credit card transactions which are recorded via a magnetic card reader.

Issuer (for CHIP card transactions)

A data record in which the option "CHIP card" must have been programmed under Parameter -> Payment -> Issuer if the card is to be used for CHIP card transactions. Please note that only one issuer can be stored with this option.

NOTE:
If a CHIP card reader is used in conjunction with Retail Logic software, one issuer must be programmed for all credit card transactions. This means that it is no longer necessary to program various issuers for a variety of card nos. This setting is overwritten if an issuer is identified on the basis of the card no. range stored in the system.

MICROS Retail Deutschland GmbH
Salzufer 8
D-10587 Berlin