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Transit – Technology Play 
PayCraft Solutions 
Pvt. Ltd. 
Whenever | Wherever | However
Who are we ? 
PayCraft – Introduction 
PayCraft is a cards and payments consultancy and solution 
provider. We are the preferred partners for payment solutions to 
global/domestic payment schemes, banks, transit operators, 
government agencies, toll operators, sports authorities, payment 
gateways, payment processors, card associations, payment 
instrument manufacturers, telecom and many others. 
PayCraft has proven expertise to traverse the full product life cycle 
path. The path covers design, development, testing, certification 
and deployment. We provide an end to end customer support for 
developing business models and technical solutions for our 
esteemed clients. We have extensively worked with metro 
operators, bus operators, toll agencies and financial institutions in 
India. 
What we stand 
for ? 
At PayCraft, we’re 
committed to helping our 
people, our clients and our 
wider communities 
achieve their potential. 
It’s how we make a 
difference. 
Promoters: 
Group of professionals with 50+ man-years 
of experience in the Consulting & 
ITES industry. 
Locations: 
Sales Office: Mumbai 
Development and support center: Pune 
Why Paycraft ? 
Solution based consulting 
with software and process 
optimisation 
Trusted and proven 
Global Partner in 
payments 
Sustainable and 
affordable after sales 
support 
Leading Banks, 
Multinationals, Consulting 
Companies as clients
Technology – Impacting daily life 
«Paying for public 
transport should be as 
easy as buying a sandwich 
« 
Shashi Verma, Tfl 
3
Two major transit models 
CLOSED LOOP OPEN LOOP 
4 
Security 
Usage Areas 
Top Up 
Interoperability 
Cost of Ownership 
Value Added Service 
Provided by old methods Advanced security with EMV based new technologies 
Only transit Transit, Toll Collection, Loyalty, Campus, Vending Machines 
Usage of Mifare POS terminals, 
Ticketing Machines 
Usage of Bank POS, ATM, IVR, Mobile Phones and Ticketing 
Machines. 
No 
Nationwide and international usage thanks to EMV based 
open standards. 
System is invested only by Transit 
Company 
Reduced cost due to multi party involvement. 
Very limited 
Extensively usage of payment, loyalty, couponing, ticketing 
applications.
Closed loop - Challenges 
Immediate term 
01 02 
Constraints due to CCH closed Vendor lock-in for technology interfaces of AFC loop solution providers 
► High costs incurred due to usage of CCH given by closed 
► No scalability to multiple applications (outside transit) 
because of using proprietary solutions 
► Limited choice of products - transit specific CCHS 
► High costs of ownership 
5 
► External interfaces with 3rd party smart card host 
► Interfaces of AFC with CCHS 
► Card and terminal interfaces 
► SAM interface specifications 
► Current terminal specs have limited card-type reading 
capability 
► Vendor specific card data definitions 
► Risk of other transit operators forced to go with the 
same vendor because of lock-in 
► Interoperability of standards being replaced with 
mandating the use of same vendor’s solution 
loop solution providers 
► Deterrence in revenue 
opportunities for allowing 
business partners such as FIs and 
retail business owners 
► Cannot adopt open-loop EMV payments for easy 
acceptance outside transit 
► Cannot allow multiple financial agencies to promote 
card with revenue-accrual outside transit 
Limitations to promote transit card as multi-purpose 
card 
Limited options for transit operators to adopt 
Other transit operator’s card 
Challenges 
03 04 
Long term
6 
► External interfaces 
► Usage data 
definition 
► Configuration data 
definition 
► SAM interface 
specifications 
Smart card host & CCHS 
CARD ► Card data 
definitions 
Configuration 
data 
Black 
list 
Level 1 
Level 0 
DEVICES 
SAM 
Card 
Read/Write 
► Device-card 
interface 
specifications 
POS 
AFC System 
Configuration 
data 
Usage data ► Security specifications 
Level 2 
Crypto 
keys 
Usage 
data 
► AFC system – SC Host 
interface specifications 
Vendor Lock-in issues 
@ 
1. External interfaces with 3rd 
party SCH 
2. Interface between the AFC 
system and the CCHS 
3. Interface specifications 
between the card and 
acceptance terminals 
4. Vendor specific SAM 
interface specifications 
5. Vendor specific card data 
definitions 
Challenges at all levels
Open loop – Options available 
 UTIITSL 
 Incomplete specifications 
 No support for specifications and implementation 
 Complex organizational structure 
 OSPT – Open Specifications for Public Transport 
 Internationally open standards and specifications 
 Non EMV based specifications supporting multi modal transportation 
 EMV (Europay, MasterCard, Visa) 
 Open standards for payment cards 
 Highly secured, interoperable and scalable 
 Could be used for transit, loyalty or any other businesses 
 NPCI transit specifications 
 Open specifications for transit based on EMV 
7
Card Architectures – EMV with Legacy Systems 
Mifare(Desfire, 
Classic) Transit 
Emulator 
Transit Prepaid 
Account 
MasterCard 
PayPass, VISA 
payWave 
Application 
This architecture keeps supporting existing Mifare standards for old terminals 
and EMV standard for new ones
Card Architectures – Prepaid with Shared Account 
Custom Transit 
Application 
Shared Balance 
• Prepaid account is managed in the card 
• Custom transit application keeps transit(monthly pass, discounts, etc) and 
cardholder related data to help calculating fare amount 
• Shared balance for all transit, retail and other transactions 
• Allows offline risk management and offline transactions 
• Ideal for full EMV migrated markets 
EMV 
Application(PayPas 
s, payWave, ...)
NFC in Transit 
 Transit application on Secure Element (SIM, Embedded 
or Micro SD) 
 Transit Application on Wallet 
 Integration with Cardtek / 3rd party TSM Systems 
 Top Up process through NFC Phones 
 Access to Timetable and Tariff information through 
mobile phones 
 Access to Transaction History through mobile phones 
 Buying ticket through mobile phones or payment 
terminals 
 Additional campaign and loyalty information on NFC 
phones 
Download timetable 
Buying ticket, top up and tariff information 
Access control 
Advertisements 
Loyalty and Rewards
Card Architectures – Prepaid with Shared Account 
11
Contactless Transit – Form Factors 
12 
The Mini Card 
The Key Fob 
The MC² Card The Watch 
The Mobile Sticker NFC and Mobile Devices
Turkey Football Fedaration and Transit 
Cafe 
Stadyum 
• The solution is implemented in 
• 31 stadium 
• 1100 turnstile 
• 3.5 million cards targeted 
• EMV credit, debit, 
prepaid 
• MifareDesfire 
• Transit integration with 
local cities 
• Use of the card in coffee 
shops as MasterCard/Visa 
prepaid card
BAKU TRANSIT / Bank of Azerbaijan 
 Debit Prepaid, Credit and No Name Prepaid cards 
 Top – Up (via POS & Kiosk terminals, from customer account) 
 1st phase : 550 validators in total, 2nd phase : 2200 validators in total 
• Use cases; 
 Payment card 
 Debit card 
 Transportation (Buses, Metro)
AKTİFBANK CASE STUDY 
AWARDS : 
Best Non-U.S.-Based Prepaid 
Program category 
Best Third-Party Prepaid 
Product Retailer category. 
Use Cases 
• Shopping in restorants, retails, cinemas, football stadiums 
• Transportation (buses, metro) 
• Campus, Student Card 
• Parking 
• Water, Electric, Gas Meters 
Loyalty 
• Get points, coupons after each transaction 
Prepaid 
• Top Up Management
BANK ASYA CASE STUDY 
Bank Asya’s City Card Concept 
• Complete city card solution by using the contactless 
EMV technologies ie Visa Paywave & MC Paypass and 
Mifare. 
• Complete SmartSoft City Card, Transportation and 
Ticketing Solution 
Use Cases 
 transportation, 
 car parks, 
 toll-payments, 
 vending machines, 
 stadiums, 
 movie theathers, 
 as campus card/student identification card, 
 as library card,

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Session 2.4 - Integrated Transport

  • 1. Transit – Technology Play PayCraft Solutions Pvt. Ltd. Whenever | Wherever | However
  • 2. Who are we ? PayCraft – Introduction PayCraft is a cards and payments consultancy and solution provider. We are the preferred partners for payment solutions to global/domestic payment schemes, banks, transit operators, government agencies, toll operators, sports authorities, payment gateways, payment processors, card associations, payment instrument manufacturers, telecom and many others. PayCraft has proven expertise to traverse the full product life cycle path. The path covers design, development, testing, certification and deployment. We provide an end to end customer support for developing business models and technical solutions for our esteemed clients. We have extensively worked with metro operators, bus operators, toll agencies and financial institutions in India. What we stand for ? At PayCraft, we’re committed to helping our people, our clients and our wider communities achieve their potential. It’s how we make a difference. Promoters: Group of professionals with 50+ man-years of experience in the Consulting & ITES industry. Locations: Sales Office: Mumbai Development and support center: Pune Why Paycraft ? Solution based consulting with software and process optimisation Trusted and proven Global Partner in payments Sustainable and affordable after sales support Leading Banks, Multinationals, Consulting Companies as clients
  • 3. Technology – Impacting daily life «Paying for public transport should be as easy as buying a sandwich « Shashi Verma, Tfl 3
  • 4. Two major transit models CLOSED LOOP OPEN LOOP 4 Security Usage Areas Top Up Interoperability Cost of Ownership Value Added Service Provided by old methods Advanced security with EMV based new technologies Only transit Transit, Toll Collection, Loyalty, Campus, Vending Machines Usage of Mifare POS terminals, Ticketing Machines Usage of Bank POS, ATM, IVR, Mobile Phones and Ticketing Machines. No Nationwide and international usage thanks to EMV based open standards. System is invested only by Transit Company Reduced cost due to multi party involvement. Very limited Extensively usage of payment, loyalty, couponing, ticketing applications.
  • 5. Closed loop - Challenges Immediate term 01 02 Constraints due to CCH closed Vendor lock-in for technology interfaces of AFC loop solution providers ► High costs incurred due to usage of CCH given by closed ► No scalability to multiple applications (outside transit) because of using proprietary solutions ► Limited choice of products - transit specific CCHS ► High costs of ownership 5 ► External interfaces with 3rd party smart card host ► Interfaces of AFC with CCHS ► Card and terminal interfaces ► SAM interface specifications ► Current terminal specs have limited card-type reading capability ► Vendor specific card data definitions ► Risk of other transit operators forced to go with the same vendor because of lock-in ► Interoperability of standards being replaced with mandating the use of same vendor’s solution loop solution providers ► Deterrence in revenue opportunities for allowing business partners such as FIs and retail business owners ► Cannot adopt open-loop EMV payments for easy acceptance outside transit ► Cannot allow multiple financial agencies to promote card with revenue-accrual outside transit Limitations to promote transit card as multi-purpose card Limited options for transit operators to adopt Other transit operator’s card Challenges 03 04 Long term
  • 6. 6 ► External interfaces ► Usage data definition ► Configuration data definition ► SAM interface specifications Smart card host & CCHS CARD ► Card data definitions Configuration data Black list Level 1 Level 0 DEVICES SAM Card Read/Write ► Device-card interface specifications POS AFC System Configuration data Usage data ► Security specifications Level 2 Crypto keys Usage data ► AFC system – SC Host interface specifications Vendor Lock-in issues @ 1. External interfaces with 3rd party SCH 2. Interface between the AFC system and the CCHS 3. Interface specifications between the card and acceptance terminals 4. Vendor specific SAM interface specifications 5. Vendor specific card data definitions Challenges at all levels
  • 7. Open loop – Options available  UTIITSL  Incomplete specifications  No support for specifications and implementation  Complex organizational structure  OSPT – Open Specifications for Public Transport  Internationally open standards and specifications  Non EMV based specifications supporting multi modal transportation  EMV (Europay, MasterCard, Visa)  Open standards for payment cards  Highly secured, interoperable and scalable  Could be used for transit, loyalty or any other businesses  NPCI transit specifications  Open specifications for transit based on EMV 7
  • 8. Card Architectures – EMV with Legacy Systems Mifare(Desfire, Classic) Transit Emulator Transit Prepaid Account MasterCard PayPass, VISA payWave Application This architecture keeps supporting existing Mifare standards for old terminals and EMV standard for new ones
  • 9. Card Architectures – Prepaid with Shared Account Custom Transit Application Shared Balance • Prepaid account is managed in the card • Custom transit application keeps transit(monthly pass, discounts, etc) and cardholder related data to help calculating fare amount • Shared balance for all transit, retail and other transactions • Allows offline risk management and offline transactions • Ideal for full EMV migrated markets EMV Application(PayPas s, payWave, ...)
  • 10. NFC in Transit  Transit application on Secure Element (SIM, Embedded or Micro SD)  Transit Application on Wallet  Integration with Cardtek / 3rd party TSM Systems  Top Up process through NFC Phones  Access to Timetable and Tariff information through mobile phones  Access to Transaction History through mobile phones  Buying ticket through mobile phones or payment terminals  Additional campaign and loyalty information on NFC phones Download timetable Buying ticket, top up and tariff information Access control Advertisements Loyalty and Rewards
  • 11. Card Architectures – Prepaid with Shared Account 11
  • 12. Contactless Transit – Form Factors 12 The Mini Card The Key Fob The MC² Card The Watch The Mobile Sticker NFC and Mobile Devices
  • 13. Turkey Football Fedaration and Transit Cafe Stadyum • The solution is implemented in • 31 stadium • 1100 turnstile • 3.5 million cards targeted • EMV credit, debit, prepaid • MifareDesfire • Transit integration with local cities • Use of the card in coffee shops as MasterCard/Visa prepaid card
  • 14. BAKU TRANSIT / Bank of Azerbaijan  Debit Prepaid, Credit and No Name Prepaid cards  Top – Up (via POS & Kiosk terminals, from customer account)  1st phase : 550 validators in total, 2nd phase : 2200 validators in total • Use cases;  Payment card  Debit card  Transportation (Buses, Metro)
  • 15. AKTİFBANK CASE STUDY AWARDS : Best Non-U.S.-Based Prepaid Program category Best Third-Party Prepaid Product Retailer category. Use Cases • Shopping in restorants, retails, cinemas, football stadiums • Transportation (buses, metro) • Campus, Student Card • Parking • Water, Electric, Gas Meters Loyalty • Get points, coupons after each transaction Prepaid • Top Up Management
  • 16. BANK ASYA CASE STUDY Bank Asya’s City Card Concept • Complete city card solution by using the contactless EMV technologies ie Visa Paywave & MC Paypass and Mifare. • Complete SmartSoft City Card, Transportation and Ticketing Solution Use Cases  transportation,  car parks,  toll-payments,  vending machines,  stadiums,  movie theathers,  as campus card/student identification card,  as library card,