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Sherlyn Rijos-Altman
Montner Tech PR
[email protected]
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Index

Recent Press Releases
Press Resources

Additional Resources
Spokesperson Bio: Executive Director, Christina Hulka
Graphics & Videos

Recent Press Releases

More Recent Press Releases …

Press Resources

For press use: Please feel free to use this language to accurately report on the following payments technologies. Attribution to the U.S. Payments Forum is optional.

EMV

How do I describe the U.S. move to chip cards?

The U.S. is moving to new chip cards based on a globally adopted specification called EMV, already in use in billions of payment cards worldwide, to enhance in-person payment security for consumers, merchants and issuers.

How can I describe the security features of chip cards?

EMV chip cards contain secure computer chips that validate the authenticity of the card and include a one-time use security code in every transaction, making chip payment data virtually impossible to use for counterfeit card fraud.

How can I talk about the status of the U.S. migration?

There has been steady progress in the U.S. migration to chip payments. Today, 9 out of 10 Americans are commonly using chip cards at more than one-third of U.S. merchant locations enabled to accept chip payments, and an estimated 79 percent of ATMs will have completed the migration by the end of this year.

Contactless Card and Mobile Payments

How do I describe contactless chip card payments?

Contactless chip card payments don’t require physical contact between a consumer’s EMV chip-enabled card and the point-of-sale (POS) terminal. Instead, the consumer holds their card within an inch or two of the terminal to complete the transaction wirelessly.

How do I describe mobile payments?

Mobile payments involve a mobile app on a phone or wearable that enables the phone to execute a payment transaction. Mobile payments don’t require physical contact between a consumer’s mobile device, and the POS terminal. Mobile payments may use Near Field Communication (NFC), bar codes or other technologies to complete a payment transaction.

How do I describe the relationship between NFC and EMV?

NFC is a communications technology that enables mobile payments on a mobile phone or wearable. As such, NFC is sometimes used to enable mobile devices to complete EMV transactions.

Are contactless chip card payments the same as NFC payments?

Contactless chip card payments are made using contactless EMV card technology, which is different from NFC. NFC is a communications technology implemented on mobile phones and wearables that enables contactless EMV payments using these devices at contactless POS terminals that accept contactless EMV chip cards.

Encryption

How do I explain encryption?

Encryption is the conversion of sensitive payment data to an alternate value so that the data has no value if the data is stolen. Only the trusted parties in the transaction – the issuer, processor, or merchant – have the keys to decrypt the data to see its original value.

How can I describe its impact of encryption on security?

Encrypting transaction data (both cardholder data and other data describing a transaction) can prevent criminals and hackers from discovering or tampering with sensitive payment data.

Tokenization

How do I explain EMV tokenization?

Tokenization is a form of data protection where sensitive information – the consumer’s primary account number (PAN, the number on the front of the card) – is replaced with a different numeric value, which is called a token. The token is used in place of the actual account details through all of the various payment systems involved in a transaction, eliminating sensitive data from payment transactions.

How can I describe its impact on security?

Tokens can be created to have limited use, such as for a single mobile device, making tokenization a very effective tool for minimizing fraud and the impact of data breaches. Today, tokenization is commonly used for mobile payments, and card-on-file merchants, so the original sensitive account data is not exposed to data thieves.

U.S. Payments Forum

How do I describe the U.S. Payments Forum?

The U.S. Payments Forum is a cross-industry body including all payments stakeholders focused on enabling the successful implementation of EMV and other emerging payments technologies in the U.S.

More information about the U.S. Payments Forum can be found in the FAQ.

Additional Resources

EMV

Contactless and NFC

CNP

Tokenization

Spokesperson Bio: Christina Hulka, Executive Director

Christina Hulka has served as Executive Director of the Secure Technology Alliance and U.S. Payments Forum since March, 2024. She brings more than 25 years of cross-industry leadership, membership building, technology development and project management experience to the role, having served as Executive Director and Chief Operating Officer of FIDO Alliance. In addition to deep domain knowledge of identity, access control and compliance standards for authentication and device attestation, she was also heavily involved in the implementation and interoperability of EMV and contactless payments through her past work at Visa and the board of EMVCo.

Graphics & Videos

Resource Description AVAILABLE FILES
U.S. Payments Forum Logo
 Online: 320×112 @ 72 DPI
Print: 300 DPI EPS
Christina Hulka Online: 800×800 @ 72 DPI
Broadcast Quality Chip Card B-roll
 Online Preview Half resolution MP4 (960×540)
Full resolution MP4 (1920×1080)
ProRes 422 LT (1920×1080)
ProRes 422 (1920×1080)
Chip Card B-roll Suggested Script Chip Card B-roll Script
Chip Card Video
 Online Preview Download MOV (1920×1080)
Chip Card Photo – 1
   Online: 150×150 @ 72 DPI
Print: 8″x4.5″ @ 300 DPI
Chip Card Photo – 2
   Online: 100×100 @ 72 DPI
Print: 8″x5.4″ @ 300 DPI
Chip Card Photo – 3
 Online: 100×100 @ 72 DPI
Print: 8″x6″ @ 300 DPI
Chip Card Photo – 4
 Online: 100×100 @ 72 DPI
Print: 4“x2.5” @ 300 DPI
Chip Card Photo – 5
 Online: 100×100 @ 72 DPI
Print: 4″x2″ @ 300 DPI
GoChipCard.com Consumer Infographic Download Printable PDF
GoChipCard.com Merchant Infographic Download Printable PDF
GoChipCard.com Issuer Infographic Download Printable PDF
How a Chip Transaction Works (infographic) Download Printable PDF
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