Nex-G Innovations

The objective of this program is to provide participants with the expertise to become Certified Card Payment Professionals by mastering the core principles, technologies, and regulatory requirements of card payment systems. The training will cover the full lifecycle of card payments, including issuance, transaction processing, authorization, settlement, and risk management.

Participants will gain in-depth knowledge of EMV standards, PCI DSS compliance, and advanced security mechanisms such as tokenization and dynamic data authentication. Through hands-on practical sessions, they will learn to configure and troubleshoot POS terminals, integrate payment gateways, and implement fraud prevention strategies. By the end of the program, participants will be proficient in deploying, managing, and optimizing secure and efficient card payment systems, making them industry-ready professionals.

Code: NES_SK_2299

Duration: 4 Weeks / 40 Hrs /Customized

Mode: Corporate (Instructor Led Online / Onsite), Individual (Instructor Led Online)

+91-8826900551

• History of Payment Cards
• Players in Payment Card Industry
• Card payments life cycle
• Card Schemes
• Types of Cards
• Products viz. credit card, debit card etc.
• Physical ; Magstripe, ICC, Contactless, NFC, Virtual
• Structure of cards : Magstripe, ICC, Contactless, NFC
• PIN, CVV, iCVV, CVV2
• Access devices : ATM, POS terminal/M-POS, Internet and MOTO

Module 2 - Card Issue Process

• Card Types
• Track Types
• Chip card/RFID/NFC cards
• Secure Elements/Host Card Simulation
• EMV card/terminal specifications
• EVM ICC personalization
• Card Production and PAN/CAF Generation for Switch
• PAN/CAF Upload in Switch
• PIN Generation and PIN Blocks

Module 3 - Electronic Fund Transfer Switch

• Introduction to Switch and its Functions
• Brief Introduction to Hardware Requirements
• Brief Introduction to Software Components

Module 4 - Host / Hardware Security Module (HSM) and its Functions

• Host/Hardware Security Module Introduction
• Hardware Components
• Key Management Function
• Local Master Keys
• Zone Master Key
• Zone PIN Key
• Terminal Master Key
• Terminal PIN Key
• Terminal Authentication Key
• PIN Verification Key
• Card Verification Key
• Master/Session Key Scheme
• Automated Key Distribution System Introduction to Card Operations
• Introduction to ISO 8583, ASN.1/BER and ISO 20022 Messages
• Functions of Issuer, Acquirer, Merchants and Inter-connect
• Revenue Streams Costs of Card Operations

Module 5 - Card Operations

• Overview of EMV standards
• EMV L1/L2/L3 Certification requirements
• Communication protocols T=0/T=1
• Kernels and Kernel Tags
• DE55 and ASN.1/BER Tags
• Permitted Transactions
• Card Present Transaction (CP)
• Card Not Present Transactions (CNP)
• Transaction flow for CP and CNP Transactions
• Full EMV and Early/Quick EMV
• Data Authentication : SDA/DDA/CDA
• CVM/Offline/Online PIN verification
• Accounting
• Authorisations
• Online/offline authorization processes e.g. PBF/SAF, Grading
• EMV Commands and APDU Command/Response Pairs
• EMV process of GENERATE 1st AC/GENERATE 2nd AC
• Full STIP, Partial STIP, Co-operative Processing
• Reconciliations
• Importance of Reconciliations
• Various types of Reconciliations
• Customer Billing, Collection and Recovery
• Presentments and Chargebacks.
• Settlements
• VISA/Master Settlements
• Partner Settlements
• Merchant Settlements

Module 6 - Card Frauds and Security Issues

• Card frauds
• Use of Applications for Fraud Detection and Prevention e.g. FICO Falcon

Module 7 - Card Standards

• Payment Card Industry Data Security Standards (PCI DSS)
• EMV Standards
• Other relevant ISO standards e.g. ISO9564 Regulation
• Dodd-Frank, USA
• EPC regulation on mobile cards in European Union and SEPA Cards

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