BROCHURE · system of the card holder “SOMETHING YOU HAVE”. Advantages . ... The specification has been created by ECPA, the main European card schemes and ... M/Chip Advance

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www.advantis.es

[email protected]

BROCHURE

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Who we are

What is Advantis?

Our identity

Advantages

Family of products

Value applications

Technical specifications

WHO WE ARE

Redsys Processing Services S.L. is the leading processor in the industry of means of payment in Spain. With more than 35 years of experience in the sector, covers the entire cycle of the means of payment offering services of issuance, acquisition and management of fraud. Redsys is at the forefront of the means of payment, generating value for financial institutions, more sales for businesses and more security for card users.

Redsys is much more than a payment processor is the partner natural, par excellence, in the industry of means of payment. With us, your organization has the best guide for the SUCCESS of your projects.

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WHAT IS ADVANTIS?

Advantis is an issuing technology based on EMV standards, whichprovides the entire infrastructure necessary for the paymentprocessing.

Advantis technology focuses on meeting the needs of the marketcombining financial applications in the same platform: Visa,MasterCard and private label, with non-financial applications thatadd value to the issuance of means of payment, such as electronicpurse, electronic signature, transport or loyalty programs.

+160customers

+1.4billion of

cards

+20 yearsof expertise

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MULTI-PROVIDER: Advantis is compatible

with different chips manufacturers and card

providers and personalizers, building a highly

competitive offer and providing greater

possibility of choice.

MULTI-BRAND: Advantis implements

the requirements of Visa, MasterCard

and EMVCo on the same platform, which

results in operative and maintenance cost

savings.

MULTI-INTERFACE: Advantis is available in

different devices: contact cards, dual interface

cards (contact and contactless), wearables and

mobile.

MULTI-APPLICATION: With Advantis,

the financial institutions can add value

to financial products by adding other

applications as electronic purse, digital

signature, transport...

MULTI-PROFILE: the Advantis solutions

can be parameterized and updated with

different profiles depending on the holder and

the needs of the issuing financial institutions.

OUR IDENTITY

01. FLEXIBILITY

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Advantis led the EMV migration in different regions of the world, from its start with the electronic purse.

More than 20 years of expertise.

Totally integrated solution in the chain of value: in the acquirer, in the processor and in the scheme.

02. RELIABILITY

Advantis participates actively in all the value chain of the issuance process, providing support to suppliers and customers.

03. SUPPORT

Based on the different international standards, in which Advantis actively participates in their development and evolution.

OPERATINGSYSTEM

Advantis is based on the latest technologyavailable.

CHIPMANUFACTURER

Advantis provides support to the cardmanufacturer, throughout all the adoption process.

CARDMANUFACTURER

Unique technology that simplifies personalizationprocesses: EMV data preparation, generation of the file of customization, etc.

PERSONALIZER

Advantis gives you support from the definition of the product profile, untilthe design of value added applications.

FINANCIALINSTITUTION

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· Cost saving

· Competitive price

· Economy of scale

ECONOMIC

· A single technology

for all platforms

· Open configuration

· Latest specifications

TECHNICAL

· Multiple card brands

· Multiple chips, cards

manufacturers and

personalizers

OPERATIONAL

· Structure created with the main

personalizer and developing companies

· Support through all the value chain

IMPLEMENTATION

ADVANTAGES

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Advantis Contactless through contactless interface, provides a high level of service in environments where

speed and security are key factors.

Advantis Wearables is focused on the issuance of payment products based on other different devices to cards such as bracelets, key rings,

sticker, etc.

Advantis Movil converts a mobile phone into a payment device, allowing the storage and transmission of data in a secure way through tokenization,

HCE.

Advantis Online allows offline transactions without encryption, yet

providing high level of security against fraud. This allows the emission of a product with SDA authentication but with full control of the financial

institutions to resolve the transaction.

Advantis Private allows the emission of an EMV product under

a private brand due to its CPA application (Common Payment Application) defined by EMVCo.

Advantis Crypto adds a robust authentication for those environments

where there is no communication with the issuer. It supports PKI applications used

for digital certificates.

ADVANTIS FAMILY“A product for every need”

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APPLICACIONS PRODUCTS

DIGITALSIGNATURE

Advantis CryptoVisa

Advantis CryptoMaterCard

BANKINGSERVICES

ANDRETAIL

AdvantisOnlineDúo

AdvantisOnline Dúo

Flash

AdvantisOnllineVisa

AdvantisCryptoDúo

Advantis CryptoVisa

Advantis Crypto

MasterCard

Advantis Contactless

Duo

AdvantisContactlessVisa Cash

AdvantisContactless

Visa

AdvantisContactless

Trio

TRANSPORT Advantis ContactlessTransport

MOBILE Advantis Mobile

PRIVATE/DOMESTIC BRAND

Advantis PrivateCrypto

Advantis PrivateContactless

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VALUE APPLICATIONS

Electronic purseRechargeable prepaid application based

on the storage of money or points.

Advantages

Avoid congestion at payment points

Security and control of expenses

Problems of change and lack of coins are eliminated

Uses

Tourist cards

Prepayment (transport, vending)

Season ticket (shows, leisure)

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Digital signatureThe digital signature application allows citizens and Public Administrations to

carry out electronic transactions through the network with maximum security.

Advantages

Greater security

Physical and logical identification

Incorporate digital certificate

Documents signature

Uses

Business cards

Civil servant cards

Health cards

Collective card (lawyers, architects ...)

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Transport Application used for access and use of the

transport network where speed and simplicity are key factors.

Advantages

Quick, reliable and comfortable

Allows access control

Short transaction time

Uses

Transport card

Public services card

University card

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Loyalty programsDue to the proprietary application of the electronic purse, Advantis allows the development of loyalty

programs, in order to offer bonuses and special offers to customers.

Advantages

Provides added value to customers

Improve customer experience

Allow access control

Uses

Loyalty cards

Access control cards

Gift cards

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FIDO Application It is a standards based on interoperable global authentication

standard that improves security through a double authentication system of the card holder “SOMETHING YOU HAVE”.

Advantages

Provides universal specifications

Improves password management

Worldwide consortium of leading technology companies

Uses

Authentication Home Banking/Wallet

Bank Transfers

Online Payments

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CPACE ApplicationCPACE (CPA Contactless Extension) is a set of specifications

built under the EMV CPA standard that adds the specifications for contactless payments and mobile payment. The specification has been created by ECPA, the main European card schemes and

Redsys.

Advantis is the first solution to implement CPACE for the issuance of MultiAID products.

Advantages Uses

Open specification with no license costs for the issuance of a domestic

scheme or private brand.

It allows the independence of international brands however coexists

on the same chip with them.

It provides the entire security infrastructure of an EMV chip.

Private Brand Card

Domestic ID Card

Loyalty Card

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Payments Innovation

Advantis is at the forefront of the means of payment industry by offering to financial institutions and other issuers the latest trends in the sector providing the best user experience to the customer.

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Advantis Online Duo

STM

SB23ZE04, SB23ZE08,SB23Z012

RFI

Native

Contact

4,8, 12K ROM

Non off-line authentication (NO ODA)

EMV 4.3

VIS 1.5.4, M/Chip4 v1.1b

Visa: 15/04/2025 Mastercard: 27/11/2019

Electronic purse 3DES SECURE, data storage, OTP applications

Native

18 cryptogram, 3DES security

Category

Supplier

Chip

Commercial reference

Platform

Interface

Memory

Authentication

Specifications

Financial applications

Certifications

Non-financial applications

Personalization

Cryptographic characteristics

Advantis Online Duo Flash

Infineon

SLE77CF1840P

SM80

Native

Contact

26K Flash


EMV 4.3

VIS 1.5.4, M/Chip4 v1.1b

Visa: 08/07/2023 Mastercard:18/12/2019

Electronic purse 3DES SECURE, data storage, OTP applications

Native


Advantis Online Visa

Infineon

SLE77CF1204P

SM85V

Native

Contact

5K Flash


EMV 4.3

VIS 1.5.4

Visa: 22/01/2028

Data storage, OTP applications

Native


TECHNICAL SPECIFICATIONS

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Advantis Crypto Duo

Infineon

SLE77CFX1840P

SM79B

Native

Contact

11K FLASH

DDA/CDA

EMV 4.3

VIS 1.5.4, M/chip 4 v1.1b

Visa: 08/07/2023 MasterCard: 15/12/2019

Data storage, access control, OTP applications

Native

3DES security

Category

Supplier

Chip


Platform

Interface

Memory

Authentication

Specifications


Certifications


Personalization


Advantis Crypto Visa

STM

SC23ZO18

RFJ

Native

Contact

18K ROM

DDA/CDA

EMV 4.3

VIS 1.5.4

Visa: 15/04/2025

PKI, Electronic purse, access control, data storage, OTP

applications

Native

Native

Advantis Crypto MasterCard

STM

SC23ZO18

RFN

Native

Contact

18K ROM

DDA/CDA

EMV 4.3

M/Chip Advance V1.2.1

MasterCard: 10/02/2020

PKI,Electronic purse, access control, data storage y OTP

applications

Native

18 cryptogram

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Advantis Crypto Duo

Infineon

SLC32PCA300

SM88

Native

Contact

18K FLASH

DDA/CDA

EMV 4.3

VIS 1.5.4, M/Chip Advance 1.2.3

Visa:30/01/2029 MasterCard:25/04/2022

Electronic purse

Native

10, 18 cryptogram

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Supplier

Chip


Platform

Interface

Memory

Authentication

Specifications


Certifications


Personalization


Advantis Crypto Visa

STM

SC23ZO18

RFL

Close JavaCard V 2.2.1 y GP 2.1.1

Contact

18K ROM

DDA

EMV 4.3

VIS 1.5.4 Visa applet 2.8.1G

Visa: 15/04/2025

OTP applications

CPS

10, 18 cyptogram

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Java Technology

Category

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Advantis Contactless Visa/Transport

Infineon

SLE77CLFX2400PM/ SLE77CLFX2407PM/SLE-77CLFX240APM

Full antenna/ Half/ COM

SM70V/ SM82V/ SM83V2

Native

Dual Interface

4K FLASH

Fast DDA/CDA

EMV 4.3

VIS 1.5.4, VCPS 2.1.2

Visa:20/12/2023

Data storage, access control, OTP applications. Possibility of incorporating the Mifare transport

application

Native

3DES security

Category

Supplier

Chip

Antenna


Platform

Interface

Memory

Authentication

Specifications


Certifications


Personalization


Advantis Contactless Visa Cash

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Advantis Contactless Duo

Infineon

SLC32PDA348

COM

SM87CV2

Native

Dual interface

18K Flash

DDA/CDA

EMV 4.3

VIS 1.5.4, VCPS 2.1.3 / M/Chip Advance 1.2.1

Visa:09/12/2028 // MasterCard:03/09/2021

Access control, data storage, OTP applications

Native

18 cryptogram

Infineon

SLC32PDA268

COM

SM90

Native

Dual Interface

18kb Flash

DDA/CDA

EMV 4,3

VIS 1.5.4, VCPS 2.1.3

December 2028

Electronic purse, data storage, OTP applications

Native

10, 18 cryptogram

2020

Java Technology

Advantis Contactless Visa

STM

SR31ZD22

SPS/FOIL

RFM/RFO

Close JavaCard V 2.2.1 y GP 2.1.1

Dual Interface

22K ROM

Fast DDA

EMV 4.3

VIS 1.5.3, VCPS 2.1.2 App 2.8.1F1

Visa: 30/04/2025

Applications OTP

CPS

3DES security

Advantis Contactless Trio

STM

ST31G480

SPS

RFP

Java

Dual Interface

18K

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EMV 4.3

VIS 1.5.4, VCPS 2.1.3, App 2.8.1GM/Chip Advance 1.2.1//CPACE Dual DIC V1.0

Visa:24/04/2027 MasterCard:06/08/2021

FIDO U2F, applications OTP

CPS

18 cryptogram

Category

Supplier

Chip

Antenna


Platform

Interface

Memory

Authentication

Specifications


Certifications


Personalization


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Advantis Private Crypto Category

Supplier

Chip


Platform

Interface

Memory

Authentication

Specifications


Certifications


Personalization


Advantis Private Contactless

Infineon

SLE77CLFX1840P/SLE77CLFX1847P/SLE77CLFX184AP

SM81CL

Native

Dual interface

16K FLASH

DDA/CDA

EMV 4.3

CPA V1.1

Not applicable

OTP applications, data storage

CPS


Infineon

SLE77CFX1560P

SM81

Native

Contact

13K FLASH

DDA/CDA

EMV 4.3

CPA V1.1

EMV: 30/04/2020


CPS

5, 6 cryptogram, 3DES security

Any Kernel EMVCompatibility MasterCard Kernel 2 and AID private

Advantis Private Crypto

Infineon

SLC32PCA248

SM89

Native

Contact

18K FLASH

DDA/CDA

EMV 4.3

CPA V1.1

16/07/2022


CPS

5, 6 cryptogram, 3DES security

Any Kernel EMV

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Integration of different payment solutions

HCE card payments

Immediate payments with account (on-site, peer to peer, etc.)

Deferred payment for issuer

Others

Tokenization

Mobile Payment-NFC with Secure Element:

Apple Pay

Samsung Pay

Mobile Payment - NFC with HCE:

iupay!

Redsys HC Platform

Android Pay

Inmediate Payments

NFC presential payment, throught ofIBAN tokenization

Acquiring Tokenization

E-commerce. One-click payment

Mercadona, Repsol, El Corte Ingles…

Management of usage profiles for each payment method

Card payments and instant account payments

Card roaming (national/international, channel, etc…). Use of card filters.

Multichannel use control (on-site payment, CES, mobile)

Activation of payment services (immediate payments, HCE, ApplePay, Samsung Pay)

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Redsys, S.L.Francisco Sancha, 12 28034 Madrid, Espana Tel: +34 91 346 55 00

[email protected] www.redsys.es