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Rigorous Design and Implementation of an Emulator for EMV Contactless Payments

Lookup NU author(s): Dr Martin Emms, Dr Leo Freitas, Professor Aad van Moorsel



EMV is the contactless payment protocol supported worldwide by the major credit card companies in countries outside the USA. This paper presents a hybrid formal/non-formal design and implementation process for high integrity protocol emulators as well as a corresponding implementation of the EMV protocol and point of sale terminal. The objective of the EMV emulator is to test new cards and applications and to experiment with protocol attack and failure scenarios. The proposed design and implementation process includes a systemic inspection of the EMV natural language specification, the generation of a formal abstract model that represents the EMV protocol, the generation of test cases from the formal abstract model, continuous feedback from the implementation and the systemic documentation of the emulator code.We have applied the design and implementation process to the development of emulator code for Chip & PIN transactions, Visa contactless transactions and MasterCard contactless transactions.

Publication metadata

Author(s): Emms M, Freitas L, van Moorsel A

Publication type: Report

Publication status: Published

Series Title: School of Computing Science Technical Report Series

Year: 2014

Pages: 10

Print publication date: 01/07/2014

Report Number: 1426

Institution: School of Computing Science, University of Newcastle upon Tyne

Place Published: Newcastle upon Tyne