InstantEMVTM

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InstantEMVTM

• In Branch Instant Issuance Solution

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Overview

• InstantEMV is a secure instant card issuing
  system for wide range of cards such as
• Magnetic Stripe Cards
• EMV / Smart Cards
• Contactless Cards

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Cartes2008
Visa demonstrated instant issuance at Cartes2008
exhibition in Paris with Verisoft InstantEMV to
show how to issue EMV PayWave dual interface GP
cards instantly. Using a MagTek EC1000embosser
customer selected preferred image which is
printed on opaque or transparent JCOP31 GP cards
after selecting his own PIN on a secure PIN
PAD. EC1000 personalized both EMV and contactless
PayWave chip, first printed the image with
thermal dye sublimation and embossed the number
and name and indent printed the CVV2 on the back.
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System Design
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Based on THALES P3

• Thales P3 Advance
• medium volume system
• mid sized issuers and small bureaus
• Thales P3 Server
• high volume system
• large issuers and large bureaus
• scaleable system can grow as required
• supports instant post issuance

More then 250 banks and service bureaus use
THALES P3
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Web based user interface
BANK CLERK TYPES THE DATA INTO A WEB BASED FORM
AND CLICKS SUBMIT BUTTON. THE CARD IS
AUTOMATICALLY PRINTED ON A DESKTOP EMBOSSER AFTER
THE CUSTOMER ENTERS HER CHOSEN PIN CODE AND
CONFIRMS.
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Business continuity
MAIN SERVER
WINDOWS
2003
Central Printer or Embosser
Perso Manager
HEAD OFFICE
BRANCH SET
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Perso Manager
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BRANCH SET
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SECONDARY SERVER
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System Components
InstantEMV
HEAD OFFICE
THALES P3CM250 HSM
BRANCHES

• CARDS
• Magnetic stripe
• EMV chip
• Mifare
• Loyalty
• ePurse
• PayPass
• PayWave

• EMBOSSER
• Magnetic Stripe
• EMV / Smartcard
• Emboss ( credit cards )
• Indent ( debit cards )
• Photo cards
• Custom Image Cards

• PIN PAD or POS
• PIN Capture
• Security Functions such as a HSM
• Existing card control for card replacemen
  needs of mulfunction cards
• Quality Control

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Server and Workstations
HW Component Description
InstantEMV Server Applications Thales P3 Server PowerEMV Client InstantServer Microsoft IIS 2 x Min. 3 Ghz CPU 4 GB Memory 3 x 36 GB disk 2 x Network adapter Windows 2003 Server Web Edition
PersoManager Client PersoManager Component of PowerEMV Min. 3 Ghz CPU 2 GB Memory 36 GB disk Network adapter Windos 2003 or XP Professional SP2
Enrollment Workstations at Branches Web based enrollment screens PersoManager of InstantPerso PersoManager component of InstantEMV Min. 2GHz CPU 1 GB Memory 36 GB disk Network adapter Windows 2003 or XP Professional SP2
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Simple as 1-2-3
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Select and edit image from SS
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Alternatively upload your image
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Approve selected image
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Enter customer name
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Customer selects own PIN
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Chip personalized first
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Then image printed and embossed
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Cards presented in a booklet
OPAQUE CARDJCOP31 GP DUAL INTERFACE CARD EMV
VSDC PayWave Contactless TRANSPARENT
CARD JCOP31 GP DUAL INTERFACE CARDEMV VSDC
PayWave Contactless
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Your card is ready to use

• Get your already activated card personalised with
  a PIN chosen by you...
• You can immediately use an ATM to withdraw
  cash...
• Or, start shopping in store....

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Security by design

• System operators must enter their user cards and
  type in their passwords to use the system...
• All card stocks will be stored in special locked
  safes...
• Every event is logged by user ID, date, time and
  operation made...
• Video surveliance and recording of the card
  issuance location in branch...

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All data encrypted

• PCI compliant PIN PADs used to encrypt customer
  PINs.
• All central data preparations made with FIPS-140
  compliant hardware security modules.
• All interprocess and network communications are
  encrypted with 3DES/AES with RSA key exchange.

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ExpressCard 1000
MagTeks latest hardware platform for secure,
branch based instant card issuance
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ExpressCard 1000
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Security Features

• Meets and Exceeds Visa and MasterCard guidelines
  for Chip PIN instant Issuance
• Secure desktop mechanical fixing.
• Hard and soft locks requiring duel or host
  control
• Fully programmable security status and reporting
• Secure blank and reject card hoppers

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Choose your own design

• Start from blank basic cards to
  producedynamically selected designs from JPG
  files provided with
• USB Memory Sticks
• Digital Media Cards
• e-mail
• Web based preset images

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Personalise non standard forms

• LAKS Contactless PayPass WatchInstantEMV is
  used personalise the first PayPass contactless
  payment watch project in EU region.

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Personalise future products
o))))))
NFC MOBILEPHONES
Sell and personalise next generation of NFC
phones with built in embedded contactless cards
in your retail stores...
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EMV / Personalisation References

• Tekstilbank Visa Artan EMVLoyalty Gemplus
• Mashreqbank Dubai Visa Mastercard EMV
  Loyalty Gemplus Axalto Gemalto G2, Trueb
  Combos
• Volksbank BH Visa EMV Mastercard EMV Austria
  Card
• INTESA UPI Bank BH Visa EMV Loyalty Austria
  Card
• NLB Tuzlanska Bank BH Austria Card Visa EMV
• BBI Bank Tuzlanska Bank BH Austria Card Visa EMV
• Gospodarska Bank BH Austria Card Visa EMV
• ABN AMRO Pakistan Mastercard MULTOS EMV
• CaSys Macedonia Visa Mastercard EMV Austria
  Card, Gemalto
• UCB Cambodia Visa JCOP20 EMV
• RFM Loyalty Pakistan XLS Loyalty
• CIB Egypt Mastercard MULTOS, JCOP20 EMV
• Jordan Islamic Bank Visa EMV Austria Card
• National Bank of Abu Dhabi Visa EMV Axalto
• Procard Processing Center Dubai Mastercard EMV
  Multos
• CAC Bank Yemen GD, Trueb Combos Visa EMV
• Koçbank Thales P3 Gemplus
• Garanti Bonus Trink Mastercard PayPass
  Contactless in LAKS Wrist Watch
• BKME Kuwait Visa and Mastercard InstanEMV
  Distributed Branch Issuing Trueb Combos, Oberthur

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Supported Cards
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Proven
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InstantEMVTM Advantages

• SAMA SPAN2 and VISA VSDC Ready
• Mastercard MCHIP4 Ready
• Supports Native, Multos and Java JCOP cards
• Fast
• Easy
• Secure
• Economical
• Flexible
• Cool
• Innovative
• way to issue cards whichcan be used
  instantly....

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Conclusion

• InstantEMVTM is a comprehensive branch issuing
  software solution specially designed for EMV
  specifications.
• You can start with conventional magnetic stripe
  cards and later you can upgrade to EMV chip cards
  and later contactless payment cards and non
  standard forms like LAKS PayPass watches, key
  fobs, NFC mobile payment phones.
• MAGTEK EC1000 is an ideal desktop embosser for
  this purpose as it can do both emboss, indent and
  thermal printing.
• You can personalise EMV and contactless cards
  from leading suppliers such as Trueb, Winter,
  Gemalto, Austria Card, Oberthur, GD, ST Incard,
  Multos and Javacard Open Platform JCOP, Mifare,
  DesFire, Ultralite, PayPass, PayWave.
• Payment, Loyalty, ePurse, EMV, CAP, DPA, ID, PKI
  applications can be loaded into same Multos
  cards.
• The system provides features compliant with SAMA,
  Visa and Mastercard security requirements for
  instant issuing.
• Proven, card vendor independent solution with
  most advanced features in the market for instant
  issuing.