EPAS (Electronic Protocols Application Software) is a non-commercial cooperation initiative launched in
Europe
Europe is a large peninsula conventionally considered a continent in its own right because of its great physical size and the weight of its history and traditions. Europe is also considered a Continent#Subcontinents, subcontinent of Eurasia ...
which aims at developing a series of
data protocol
In the pursuit of knowledge, data (; ) is a collection of discrete values that convey information, describing quantity, quality, fact, statistics, other basic units of meaning, or simply sequences of symbols that may be further interpreted ...
s to be applied in a
point of interaction
The point of sale (POS) or point of purchase (POP) is the time and place at which a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, may prepare an invoice f ...
(POI) environment.
The project intends to address the three following protocols; a terminal management protocol, a retailer application protocol and an acquirer protocol.
Project Development
The proposed initiative was structured along the three following main phases :
*Phase I : development of technical specifications and issuance of standards (2006 - mid-2007)
*Phase II : development of software and provision of test tools (2007 – 2008)
*Phase III : construction of demonstrators (2008)
Participants
The EPAS Consortium is composed of 24 organisations.
*
Ingenico
Ingenico is a merchant services technology company based in France, that facilitates secure electronic transactions. The company expanded as a manufacturer of point of sale (POS) payment terminals to also include complete merchant payment Saa ...
(FR)
*
VeriFone
Verifone is an American multinational corporation headquartered in Coral Springs, Florida. Verifone provides technology for electronic payment transactions and value-added services at the point-of-sale. Verifone sells merchant-operated, consum ...
(US)
*The Logic Group (UK)
*Amadis (CA)
*ELITT (FR)
*MoneyLine (FR)
Lyra Network(FR)
*Atos Worldline (DE)
*
Wincor Nixdorf
Wincor Nixdorf was a German corporation that provided retail and retail banking hardware, software, and services. Wincor Nixdorf was engaged primarily in the sale, manufacture, installation and service of self-service transaction systems (such a ...
(ES)
*GIE – Groupement des Cartes Bancaires "CB" (FR) (Co-ordinator)
*Desjardins (CA)
*Atos Worldline (BE)
*Security Research and Consulting (SRC) GmbH (DE)
*Equens SE (NL)
*Sermepa (ES)
*Cetrel (LU)
*Total (FR)
*Quercia (IT)
*University of Applied Sciences, Cologne (DE)
*Integri (BE)
*PAN Nordic Card Association (PNC) (SE)
*GALITT (FR)
*BP (GB)
*RSC Commercial Services (DE)
*Europay Austria Zahlungsverkehrssysteme GmbH (AT)
*SIBS (PT)
*Thales e-Transactions España (ES)
See also
*
EFTPOS
Electronic funds transfer at point of sale (EFTPOS; ) is an electronic payment system involving electronic funds transfers based on the use of payment cards, such as debit or credit cards, at payment terminals located at points of sale. EFTPOS t ...
*
Open Payment Initiative
The Open Payment Initiative, or O.P.I. for short, was launched to standardize the application interface between the EPOS application and any cashless payments solution installed on the EFT/PoS terminal. The specification for this interface focuse ...
*
Wire transfer
Wire transfer, bank transfer, or credit transfer, is a method of electronic funds transfer from one person or entity to another. A wire transfer can be made from one bank account to another bank account, or through a transfer of cash at a cash ...
*
Electronic funds transfer
Electronic funds transfer (EFT) is the electronic transfer of money from one bank account to another, either within a single financial institution or across multiple institutions, via computer-based systems, without the direct intervention of b ...
*
ERIDANE
A smart card, chip card, or integrated circuit card (ICC or IC card) is a physical electronic authentication device, used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) c ...
External links
Official Web site
Sources
* “Standardisierungsarbeiten im europäischen Zahlungsverkehr - Chancen für SEPA” SRC - Security Research & Consulting GmbH, Bonn - Wiesbaden, Germany, 2006, p. 5, 11 (PDF-transparencies)
* William Vanobberghen, „Le Projet EPAS - Sécurité, protection des personnes et des donnée: de nouvelles technologies et des standards pour fiabiliser le contrôle et l’identification“, Groupement des Cartes Bancaires, 27. June 2006 (PPT-transparencies)
* Hans-Rainer Frank, „SEPA aus Sicht eines europäischen Tankstellenbetreibers“, Arbeitskreis ePayment, Brussels, 11.May 2006, p. 11 (PDF-transparencies)
* GROUPEMENT DES CARTES BANCAIRES, „EUROPEAN STANDARDISATION FOR ELECTRONIC PAYMENTS“,
Used to be at: https://web.archive.org/web/20070927174537/http://www.cartes-bancaires.com/en/dossiers/standard.html (dead link as of Okt 2011)
* „EPC Card Fraud Prevention & Security Activities“,Cédric Sarazin – Chairman Card Fraud Prevention TF 19. December 2007, FPEG Meeting - Brussels, https://web.archive.org/web/20121024081807/http://ec.europa.eu/internal_market/fpeg/docs/sarazin_en.ppt
* "EPAS Members", https://web.archive.org/web/20161220082713/http://nexo-standards.org/members
References
{{Reflist
Retail point of sale systems
Payment systems
Banking terms