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EMV February, 22nd 2005
EMV solution for Romania22. February 2005
Uwe Kley
PPC Card Systems GmbH
EMV February, 22nd 2005
About PPCPPC Card Systems GmbH – facts
• PPC Card-Systems is located in Paderborn, Germany since 1989
• There is a second plant in Groningen in the Netherlands.
• 100 employees are working in card production, personalization and mailing services.
• Annualy 40 Mio. plastic cards are produced, personalised
• PPC Card-Systems is part of the Eppé-Group, France.
• Since 2000 PPC is together with our partner supercard on the Romanian market
• Over 8 Mio. plastic cards have been produced for Romania since that time.
EMV February, 22nd 2005
Certifications
MasterCard Visa Diners Club German Health Insurance Card Chipper
DIN ISO 9001-2000
EMV February, 22nd 2005
Moving to EMV is a new Challenge for banks, card manufacturer and processors
EMV February, 22nd 2005
Why migrate to chip?
Reduce fraud
Enhance credit control
Reduce operational costs
Platform for added value services
EMV February, 22nd 2005
EMV Card Portfolio
EMV February, 22nd 2005
Mastering the Challenge
While combating fraud banks increasingly look for an economic solution that is affordable yet advanced in terms of technology.
EMVLiteY is one answer.
EMV February, 22nd 2005
Advanced Technology
EMVLiteY builds upon
open standardized personalization
single mask concept
the latest EMV, MasterCard and Visa specifications
fast 16 bit processor
Open the door to EMV with EMVLiteY
EMV February, 22nd 2005
Hardware Facts
Renesas AE420 16 bit processor 5k EEPROM 64k ROM 2 kRAM 3DES up to 115.200 bit/s
Open the door to EMV with EMVLiteY
EMV February, 22nd 2005
Open the door to EMV with EMVLiteY
Efficient Security
EMVLiteY offers efficient security
Static Data Authentication (SDA)
Offline PIN + Online PIN
Risk Management
EMV February, 22nd 2005
Features -Cardholder Verification Methods
Open the door to EMV with EMVLiteY
To minimize fraudulent transactions especially in offline environments EMVLiteY supports
Online PIN
Signature
Offline PIN
EMV February, 22nd 2005
Features -Single Mask Concept
M/Chip Lite VSDC
Initialization
Implementation
Personalization
Open the door to EMV with EMVLiteY
EMVLiteY supports the latest specifications for
• VSDC
• M/Chip Lite 4
EMV February, 22nd 2005
Features -Open Personalization Standards
Open the door to EMV with EMVLiteY
EMVLiteY follows an open and standardized personalization approach supporting
• EMV Card Personalization Specification
• M/Chip4 Common Personalization Specification
• Common Personalization Technical Requirements for VSDC
• Global Platform Scripting
EMV February, 22nd 2005
Supported Specifications
M/Chip4 Card Applications Specification for Debit and Credit V1.0
Visa Integrated Circuit Card Application Specification 1.4.0
EMV 2000
EMV Card Personalization Specification V1.0
• M/Chip 4 Common Personalization Specification
• Common Personalization Technical Requirements for VSDC
GlobalPlatform Card Customization Guide
GlobalPlatform Systems Profiles Specification
GlobalPlatform Systems Scripting Language Specification
Guide to Common Personalization Load and Personalization
Open the door to EMV with EMVLiteY
EMV February, 22nd 2005
Open the door to EMV with EMVLiteY
EMVLiteY• Visa approval March 2005• MasterCard approved February 2005
Ready to be used
EMV February, 22nd 2005
Limitations of proprietary personalization
Limited to a specific product
Depending on specific card manufacturer
Integrating a new product means developing a new personalization process
(worst case: completely new!)
• High set up costs
• Limited flexibility
• Limited choice of suppliers
Secure investment with standardized personalization
EMV February, 22nd 2005
Introduction to EMV CPS
EMV Card Personalization describes a common approach to
Smart Card Personalization.
The main targets of EMV Card Personalization are: • lower set up costs
• faster time to market
• greater choice of suppliers
EMV Card Personalization can also be used for Non-EMV Applications.
The approach is based on the Visa Common Personalization Specification and described in
EMV Card Personalization Specification, published by EMVCo, LCC (www.emvco.com).
Secure investment with standardized personalization
EMV February, 22nd 2005
Advantages of EMV CPS 2/2
One personalization process for all product and types
Minimized development efforts for product integration
Exchangeable components
Independant of supplier
• Minimal set up costs
• High flexibility
• Wider choice of suppliers
Secure investment with standardized personalization
EMV February, 22nd 2005
PPC Card Systems GmbH
Senefelderstraße 10
33100 Paderborn
Germany
