CloudWalk US

Married to EMV

Behzad Malek,

Thiago popped the question to his future wife by developing an application on top of an iWL280 and presented it to her unsuspecting love. She started navigating the application expecting that she would see Thiago’s latest work on yet another payments application that would ask Gabriela for her credit card, but instead she faced a different question:

Gabriela, will you marry me? If yes, please press Enter if no press Cancel.

Married to EMV

A big moment for Thiago for sure and I can't imagine how nervous he must have been at the time. Luckily for Thiago, Gabriela said yes by pressing Enter, and now Thiago has a paper receipt of the marriage proposal transaction. Well played, Thiago!

Thiago is the lead software engineer at CloudWalk, spending most of his days developing EMV applications and building the tools for other applications and developers to easily interact and integrate with the EMV application. He has helped design and develop many of the core technologies at CloudWalk, mainly the CloudWalk Framework.

CloudWalk Framework

The CloudWalk Framework is the integral part of what we do, as it is the main software layer that wraps all existing features of the underlying EMV hardware into an easy-to-use, developer-friendly interface. The CloudWalk Framework behaves as the interlink between the management platform on the cloud and the physical EMV device (a.k.a. EFTPOS) in the retail stores. Using CloudWalk Framework, we can remotely activate/deactivate EMV devices in the market, easily push new software updates to the device and also monitor every transaction that goes in and out of any device in our network.

In other words, the CloudWalk Framework is agnostic to the underlying hardware and we can support any type of device over the CloudWalk network. This gives us and our clients a huge advantage to stay up to speed with latest advancements with EMV and payment devices.

Most of our clients are large acquiring banks and their ISOs, who manage tens of thousands of EMV devices in the market. These devices vary depending on the merchant’s business but are most common in their underlying features, as they all must follow the EMV standard (PCI PTS).

EMV implementations

Our clients provide merchant services to a wide range of business in 3 different markets today; the US, Canada and Brazil. In each market, we have a slightly different implementation of the EMV standard and the nature of merchant’s businesses vary.

Merchants have a different affordability level, they have different settings in their stores and may or may not have wireless connectivity in the location they operate. This is why depending on the location of the merchant and the type of business the merchant runs, they will receive an EMV device that best fits the merchant’s business.

We have seen many wireless terminals being deployed in Canada and with food delivery services, whereas in Brazil (chip and pin) the majority of merchants still use counter-top terminals using a dialup line. In the US, which is a fresh market for EMV devices, we will see a lot of touchscreen devices, since the EMV implementation in the US still requires capturing the signature of the customer for verification (chip and signature).

Supported devices

Today, we support more than 17 different EFTPOS models on our platform, including all the popular models from Verifone, Ingenico and PAX. The number of models that we support continuously increases by our clients’ demand and we are not restricted to any specific brand or model. Here is the list of all device that you can work with using the CloudWalk Framework so far:

Supported devices

Updated list: https://docs.cloudwalk.io/en/introduction/walk-framework

As a hardware agnostic platform, CloudWalk has acquired unprecedented knowledge in the payment industry relating to the various EMV devices available on the market.

About the author

Behzad (Ben) Malek is an entrepreneur and inventor. He has a great passion for new, disruptive technologies especially in the payments and security industry. He has a PhD in Applied Cryptography from University of Ottawa, Canada. Behzad is the founder of OnTab, a mobile payments company, and CloudWalk USA, an online management platform for EMV devices. He has patented Certificate-less Authenticated Encryption and Haptic-based Graphical Password.