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Contactless EMV ticketing (cEMV) and the road to Urban Mobility

Contactless EMV ticketing (cEMV) the road to Urban Mobility

Service providers have always rushed to keep up with consumers’ demand for a frictionless payment experience. In 2013 Uber introduced a major product overhaul introducing frictionless payment for its users. E-Commerce saw the rise of wallets and buy-now-pay-later services. The grocery industry is now playing catch up with frictionless shopping as Amazon Go gains further traction. 


Paying for public transport still has many challenges..

It was not surprising that public transport authorities around the world perk up when Transport for London rolled out their contactless payment solution. We see over 500 European cities planning to rollout account-based-ticketing systems enabling their travellers to use both barcodes and contactless tokens.

What is EMV

cEMV ticketing evolves around the words contactless and EMV. EMV by EMVco is the playbook that enables card-based payments, contact, contactless, mobile and online, to work seamlessly and securely worldwide. EMV set the rules for all international payment schemes (Mastercard, Visa, Amex)  and almost all domestic (local) schemes (JCB, CB, DK, ELO, Girocard and many more)

What is Contactless EMV (cEMV)

Contactless means payment without physical interaction between the payment device and the cashier’s point of sale terminal (PoS). Typically a transaction is completed by initiating payment and hovering one’s phone, contactless bank card or wearable by the PoS. The devices talk to each other from a short distance using ISO 14443. A transport system using this standard to accept contactless cards we call “contactless EMV ticketing”.

The benefits of contactless EMV ticketing

Modern frictionless travel comes with a range of benefits.

Frictionless public transport experience

Contactless EMV is as smooth as taping your phone or bank card on the validator. Meaning no need to set up an account or download an app in orde to ride the vehicle.

Automated fare calculation

Transport organizations using the MTT or Aggregated Tap as you go model get the benefit of model one with the added ability to associate the trips to each riders account. The rider takes multiple vehicles throughout the day across multiple zones and the system automatically calculates the best fares for the rider, or adjust according to whatever fare-capping models the PTO sets.

Flexible fare model infrastructure

Model one and two are built to be scalable enabling the PTOs to implement updated fare rules from the centralised and user friendly PTO back-office.

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