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07 Martyn Global Platform Toronto



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  • With the improved economic picture, huge populations will perform their day-to-day purchases with EMV cards. MasterCard is working with the key government bodies to ensure that the Multos/MCPA/Mondex capabilities are fully understood.
  • E-cash and EMV are establishing strong bases in Ghana, Zimbabwe and Mozambique based on South African influence. The same phenomenon applies to the Middle East and Gulf States based on initial Egyptian, Israeli, and Saudi Arabian decisions.
  • Latin American adoption of EMV is continent-wide phenomenon that is driven by the same forces that got the Europeans started -- fraud and processing cost reduction. Of particular interest to the Latins is EMV’s inherent “skimming prevention” capability and off-line authorization.
  • Canada The IMV effort is expected to bear fruit with national merchant and issuer adoption of EMV. United States EMV will continue to be a secondary factor in U.S. banks smart card planning and implementation.


  • 1. MasterCard Smart Card Strategy MasterCard International Payment Brands Martyn Cooper Global Platform Symposium - August 2002
  • 2. Global Platform Symposium At Q2 2002, 125 million MasterCard  -, Maestro  -, Mondex  -, and Clip  -branded cards had been issued worldwide 
      •  Already 1/10 of total MasterCard
      • card base
      •  98 members in 32 countries
      •  Over 50% carried value-added applications
    MasterCard A Global Smart Card Leader
  • 3. Total Number of Banking Smart Cards Global Platform Symposium Source: Celent, October 2001: Smart Cards in US Banking: Is the Chip Hip? +59%
  • 4. Smart Card Migrations Global Platform Symposium EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing
  • 5. France UK Belgium Portugal Switzerland Israël Spain Italy Czech Rep. Slovakia Germany Austria Hungary Poland Sweden Finland Denmark Lux. Greece Turkey Russia Ireland Netherlands Norway Estonian Latvia Europe 2001/2002 Croatia Slovenia Littuania Ukraine Iceland Indicates few banks / processors implementing EMV, not entire country 7 PROPRIETARY & CONFIDENTIAL EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing
  • 6. Asia Pacific 2001/2002 Global Platform Symposium China India Australia Indonesia Thai. HK SKor Thai. Jp Mal. Phil. SL Tai. NZ VNam Sing. EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing
  • 7. Middle East/Africa 2001/2002 Global Platform Symposium SAr. Kuw. Nga. Leb. Egypt SAfr. Moz. Zim. Gha. EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing
  • 8. Latin America 2001/2002 Global Platform Symposium Chile Brazil Ecuador Col. Ven. Peru Bol. Arg. Uruguay Par. Mex. Costa Rica EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing
  • 9. North America 2001/2002 Global Platform Symposium EMV Migrating/In Progress EMV Committed/Planned EMV Analyzing Key Members are both issuing and planning to issue EMV smart cards, though no national migration is planned.
  • 10. OneSMART  MasterCard 
    • Highly flexible umbrella strategy for helping members introduce smart cards in cooperation with MasterCard
      • Based on extensive consumer research
      • Reflects MasterCard’s approach of providing comprehensive support and flexibility to members
      • Members can choose application set, platform, security strategy, chip size, and card designs
    Global Platform Symposium
  • 11. OneSMART  MasterCard 
    • Assist members in end-to-end implementation
      • Opportunity identification
      • Business requirements
        • Process requirements
        • Support
      • Program development
      • Program launch
    • Work with industry to improve the state of the art
      • Standards and specifications
    • Maintain alliances/relationships with best in class vendors
    Global Platform Symposium MasterCard Role
  • 12. Value-Added Applications
    • Data Storage
    • Ticketing
    • Couponing
    • Loyalty
    • Authentication (non-payment)
    Global Platform Symposium Key To A Positive Business Case In Many Markets Enable issuer differentiation and enhanced functionality
  • 13. Value-Added Applications
    • Grow GDV by
      • Improving acquisition, usage, retention
    • Increase the account’s lifetime value
    • Add new fee services
    • Leverage non-payment opportunities
      • Partner business process improvement
      • Reduced inefficiencies or fraud
    Global Platform Symposium The Business Case
  • 14. Value-Added Applications
    • MasterCard has developed a business case tool to model:
      • Specific opportunities
      • Multi-application programs
      • Multi-party programs
    • This model works in concert with the MasterCard chip payment models developed by EPI
      • These models will be merged
    Global Platform Symposium Developing The Business Case
  • 15. Platform Flexibility
    • MasterCard is only payments association to actively support all major chip platforms
    • MasterCard M/Chip™ available on MULTOS, JavaCard, and proprietary platforms
    Global Platform Symposium
  • 16. Platform Flexibility
    • MasterCard is a member of both MAOSCO and Global Platform
    • Committed to creating a universal platform/ infrastructure that will make it easier for members to issue multi-application cards
    Global Platform Symposium JavaCard
  • 17. Flexible Issuance Options
    • Via ‘MULTOS Issuance Partner’
      • Indirect relationship with MULTOS key management authority (KMA) via MIP
      • MIP interacts with MULTOS KMA on card issuer’s behalf
      • May upgrade to direct relationship if required
    • ‘ Standard’ card issuer
      • Direct relationship with the MULTOS KMA operated by MXI and within the ‘Global’ MULTOS Domain
    • Co-located MULTOS KMA
      • Managed by MXI KMA on card issuer’s behalf
    • Private domain MULTOS KMA
      • Licensed by MXI (complete software/hardware solution)
      • Operated by card issuer themselves or trusted 3rd party
    Global Platform Symposium
  • 18. MasterCard/Global Platform
    • MasterCard staff assigned to Global Platform Standing Committees and relevant working groups
    • Candidate nominated to chair re-launched Business Requirements Working Group
    • Facilitated Card and Application Management System (CAMS) contribution
    • Evaluating additional security contributions
    Global Platform Symposium
  • 19. MasterCard Objective
    • In particular, aspects of MasterCard’s MULTOS experience
    • But not necessarily prescriptive MULTOS, rather a class of solutions of which MULTOS is one
      • There could be others
    Global Platform Symposium Broaden Global Platform (GP) scope to embrace all open, industry technologies, including asymmetric approaches
  • 20. Global Platform Symposium MULTOS O/S MULTOS API MULTOS Card Manager Proprietary O/S Java Card API Open Platform Card Manager Microsoft O/S Microsoft API Open Platform Card Manager MULTOS O/S MULTOS API Extended Global Platform Card Manager Proprietary O/S Java Card API Microsoft O/S Microsoft API Today Future Possible/Desirable Outcome
  • 21. Java-tisation of MULTOS - The Goal Global Platform Symposium applet Card specific loader Card specific loader Same Terminal Functionality Load mechanism
  • 22. Our Contribution Context
    • Meaningful contribution on viable terms:
      • Intent for IPR terms to be normal GP practice, if at all possible
      • Minimal pre-conditions or constraints
      • At scope and level appropriate to GP
    • CAMS terminology will be adopted
    • ‘ GP’ style technical authoring style to aid and speed review and debate in working groups
    • Timed to fit with next iteration of specifications
    Global Platform Symposium
  • 23.