V E R I F O N E POS SOLUTIONS A N D E M V R O A D M A P F O R C I T G O M A R K E T E R S

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VERIFONE POS SOLUTIONS AND

EMV ROADMAP FOR CITGO

MARKETERS

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D I S C U S S I O N T O P I C S

Migration of VeriFone Sites to CITPAK 6

What is EMV?

Why does EMV affect my POS System?

What does VeriFone’s POS roadmap look like for

CITGO Marketers?

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C I T PA K 6 K E Y P O I N T S

ALL CITGO sites with a VeriFone POS will need to upgrade to CITPAK 6

– This impacts all locations with Ruby standalone; Ruby with Sapphire; and Topaz with Sapphire

Ruby standalone sites WILL require a Sapphire to accommodate CITPAK 6

Sites not on CITPAK 6 will require a VASC to upgrade the software

CITPAK 6 is fully PCI 2.0 compliant and contains many new features

The deadline to upgrade to CITPAK 6 is March 31,

2014 to avoid non-compliance fees

Non-compliant POS systems will be removed from the CITGO network on July 1, 2014

Sites on CITPAK 6 should upgrade to the latest version CITPAK 6.00.007 using auto-upgrade

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W H Y I S C I T PA K 6 R E Q U I R E D

CITPAK 6 is VeriFone’s PCI PA-DSS

validated 2.0 version of CITGO

software. Available to download NOW!

1. Upgrade sites to CITPAK 6 by March

31, 2014 to avoid a monthly

non-compliance fee

2. Sites not on CITPAK 6 by June 30,

2014 will be removed from the CITGO

network

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O P T I O N S F O R R U B Y S TA N D A L O N E S I T E S

ALL Ruby Standalone sites will need to

add Sapphire to upgrade to Version 6 of

CITPAK software

Two ways to achieve COMPLIANCE:

1. Managed Services Program: Monthly

rental fee includes hardware, annual

software maintenance, help desk and on-site maintenance

2. Direct Purchase Program: Purchase

Sapphire outright

NOTE: Monthly help desk and software maintenance programs available for Direct Purchase Program items

Programs above available from your Marketer/Fuel Supplier

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U P G R A D E F O R E X I S T I N G S A P P H I R E S I T E S N O T O N

C I T PA K V E R S I O N 6

VeriFone sites will need upgrade

to Version 6 of CITPAK software

This includes:

 Ruby with Sapphire; or,

 Topaz with Sapphire

 Software on versions earlier than CITPAK 6*

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A U T O - U P G R A D E AVA I L A B L E F O R S I T E S A L R E A D Y O N

V E R S I O N 6 S O F T WA R E

Sites already on Version 6 will NOT

require a VASC visit to upgrade to

the latest version of CITPAK

Version 6; these sites can take

advantage of auto-upgrade

functionality

CDs mailed out to sites in mid

January

Easy to manage install – designed

to be installed by store personnel

VeriFone Help Desk will be on

standby to assist all locations taking

advantage of auto-upgrade

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U . S . K E Y D AT E S F O R E M V R E A D I N E S S

L iab il ity Sh ift Pr o cesso rs R ead y PC I R el ief

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W H AT A R E T H E E M V F U N D A M E N TA L S ?

What is EMV?

– Global Standard for the implementation of chip cards

– Born out of transit payment programs based in Europe

– An effective technology to protect against duplicate card fraud

– The foundation/backbone for digital payment acceptance and future payment acceptance

How does EMV Protect against Duplicate Card Fraud?

1) If an EMV Card is presented at an EMV Terminal, the terminal forces it to be inserted.

2) Once card is inserted, PAN and Dynamic CVV are presented to be used in the authorization request. 3) This Dynamic CVV (changes for each

transaction) is validated against what is expected at the host.

Result -> PAN is static yet CVV data changes on each

transaction!

EMV is not…

Chip and PIN – PIN as a cardholder validation

method is only one implementation option of EMV

A Silver Bullet for PCI Compliance – PAN data

is still presented in the clear and valuable for card not present transactions

Cure All for Chargebacks – The programs put in

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WHY DOES EMV MATTER FOR THE

VERIFONE POS PLATFORM?

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Typical Gas Station When VeriFone

Launched the Ruby SuperSystem

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H O W M A N Y C O M P L E T E P O S R E P L A C E M E N T S H A S

V E R I F O N E R E Q U I R E D S I N C E R U B Y WA S L A U N C H E D

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I N D U S T RY P O S S Y S T E M S E V O L U T I O N S I N C E R U B Y

WA S L A U N C H E D I N 1 9 9 2

G-Site EOL Feb 2007

Wayne Plus EOL 2006

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V F I P O S L E G A C Y – M I G R AT I O N N O T O B S O L E S C E N C E

Introduced Ruby in 1992

Sapphire launched

– Sapphire enabled Ruby to continue to function in a scanning and PCI environment

– Full transaction reporting for data warehousing

– Sapphire enabled Topaz – IP-based POS

– Fuel and electronic payments stayed on GEMPRO

Topaz launched

VIPER V910/V920 launched

– Dedicated EPS

– IP connection to POS and PIN Pads

Still carrying old fuel interface and legacy

Ruby GEMCOM interface

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WHAT DOES THIS HISTORY

LESSON HAVE TO DO WITH EMV?

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U . S . T R A N S A C T I O N V I E W – T O D AY & F U T U R E

MAG-STRIPE DELIVERY Response From Host Host Processing Approval/ Decline Message Receipt Printing Mag-stripe Validation Fraud/ Velocity Check Open to Buy Check Card Swipe Clerk Data Entry/ Amt. Other Send to Host EMV CONTACT Terminal Processing Send to Host Response From Host Approval/ Decline Message Receipt Printing Clerk Data Entry/ Amt. Other Card Insert Application Selection Terminal Verification Results (TVR) Offline Data Auth. Processing Restrictions Cardholder Verification CVM) Remove Card Terminal Risk Management Terminal Analysis/ Decision Card Validation Fraud/Velocity Check Open to Buy Check Host Processing EMV CONTACTLESS Response From Host Approval/ Decline Message Receipt (may not be required) Terminal Analysis/ Decision Card Validation Fraud/Velocity Check Clerk Data Entry/ Amt. Other Card Tap Terminal Verification Results (TVR) Open to Buy Check Host Processing Card Processing Send to Host

Much More

Data Being

Exchanged

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Fuel and Payment are serial interfaces on decades-old GEMPRO processor – will require Sapphire and new CITGO

software

With Viper, payment is on modern processor; indoor payment is all

IP-based. Fuel still on GEMPRO interface – Acceptable experience with indoor EMV. Not acceptable with outdoor EMV (Viper software available 1Q 2015)

All payment communications are IP and fuel and payment are both on ultra-high speed, modern Commander processor . GREAT solution for indoor and outdoor EMV

(Available 4Q 2014 or All-In-One solution available 1Q 2015)

PCI 2.0 Solution

Indoor EMV Solution

Outdoor EMV Solution

PAT H F O R WA R D T O PA - D S S A N D E M V R E A D I N E S S

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SO WHAT DOES THE VERIFONE

POS ROADMAP FOR CITGO

MARKETERS LOOK LIKE?

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K E Y C I T G O A N D I N D U S T RY D E A D L I N E S T H AT W I L L

D R I V E R O A D M A P D E C I S I O N S

Date 4/1/2014 7/1/2014 10/1/2015 10/1/2017 Why it’s important? On April 1 2014, CITGO will enforce non-compliance fees July 1, 2014 non-compliant sites will be removed from the CITGO network Merchants not capable of accepting indoor EMV transactions face a liability shift Merchants not capable of accepting outdoor EMV transactions face a liability shift Hardware decision it drives Sapphire purchase for Ruby Standalone sites Sapphire purchase for Ruby Standalone sites V910/V920 for Sapphire sites or Commander with either Topaz or Commander Site Controller with either Topaz or Ruby2; or NEW Non-Compliance Fees Enforced Indoor EMV Liability Shift Outdoor EMV Liability Shift Removal from CITGO Network

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S TA N D A L O N E R U B Y PAT H TO E M V:

OCT 2015 JULY 1, 2014 TODAY OCT 2017 Indoor EMV EMV at Pump Decertification by CITGO April 1, 2014 Non-Compliance Fees by CITGO GOOD THRU:

Action:

+

Sapphire Ver. 6.xx GOOD THRU:

+

V910/V920 Viper GOOD THRU:

+

State of the Art,

All-in-One Bundled Product GOOD THRU: Available 1Q 2015 Available 1Q 2015

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R U B Y S A P P H I R E PAT H TO E M V:

Indoor EMV EMV at Pump Decertification by CITGO Non-Compliance Fees by CITGO

Action:

Sapphire Ver. 6.xx GOOD THRU:

+

V910/V920 Viper GOOD THRU:

+

State of the Art,

All-in-One Bundled Product GOOD THRU: Available 1Q 2015 Available 1Q 2015

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TO PA Z S A P P H I R E PAT H TO E M V:

OCT 2015 JULY 1, 2014 TODAY OCT 2017 Indoor EMV EMV at Pump Decertification by CITGO April 1, 2014 Non-Compliance Fees by CITGO

Action:

Sapphire Ver. 6.xx GOOD THRU:

+

V910/V920 Viper GOOD THRU:

+

GOOD THRU: Topaz XL Commander Available 1Q 2015 Available 4Q 2014

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K E Y T H I N G S T O R E M E M B E R

1.

CITGO marketers with VeriFone POS have a defined roadmap to

EMV

2.

Ruby Standalone customers have not had to buy a new platform in

over 20 years. VeriFone will support the Ruby platform for indoor

EMV – with Viper and Sapphire that runs through 10-2017

3.

A site purchasing a Sapphire today has approximately 2 ½ useful

years from the Sapphire – and extends the Ruby investment into the

future.

4.

The OLD Ruby interfaces will not handle the message complexity

used in EMV - VIPER Credit and Commander Fuel are needed

5.

All-in-One product designed for smaller footprint stores is coming

soon: Ideal for dealer sites with up to 3 POS & 16 fueling positions

6.

Think about VeriFone’s history serving this market – a

Figure

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