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Introduction to Banking Cards




                 Banking Cards & EMV




14 August 2009                                   1
Short Introduction of Elatec




14 August 2009                                  2
Magnetic Stripe Card




14 August 2009                          3
Magnetic Stripe Card




14 August 2009                          4
Magnetic Stripe Card




14 August 2009                          5
Magnetic Stripe Card




14 August 2009                          6
Magnetic Stripe Card




14 August 2009                          7
Magnetic Stripe Card




14 August 2009                          8
Magnetic Stripe Card




14 August 2009                          9
Magnetic Stripe Card




14 August 2009                          10
Magnetic Stripe Card




14 August 2009                          11
From Magnetic Stripe to Chip




14 August 2009                                  12
From Magnetic Stripe to Chip

                  Four Key Factors drive Chip Migration




14 August 2009                                            13
From Magnetic Stripe to Chip




14 August 2009                                  14
From Magnetic Stripe to Chip
                     What VSDC provides




14 August 2009                                  15
From Magnetic Stripe to Chip
                 VSDC offers more control than mag stripe




14 August 2009                                              16
Different Roles
                 in Transaction Process




                        e.g. VISA or MC




14 August 2009                            17
Different Roles
                 in Transaction Process




14 August 2009                            18
Different Roles
                 in Transaction Process




14 August 2009                            19
What does the cardholder
                   concern in payment




14 August 2009                              20
What is EMV ?




14 August 2009                   21
What is EMV ?




14 August 2009                   22
EMV Participants




14 August 2009                      23
EMV Card: Issuing Process




14 August 2009                               24
EMV Card: Financial Applications




14 August 2009                                      25
EMV Card:
                 Non Financial Applications




14 August 2009                                26
EMV Card: Application Security




14 August 2009                                    27
EMV Card: SDA or DDA




14 August 2009                          28
EMV Card: SDA or DDA




14 August 2009                          29
EMV Card: SDA or DDA




14 August 2009                          30
EMV Card: Product Approval




                               1. Chip Approval
                                      - Issuer Public Key (IPK) Certificate Request –
                                        for Test & Production
                                      - Initial Card Issuer Master Key (KMC)
                                      - VSDC Master Derivation Keys (MDK)
                                      - UAT Cards (VISA White Plastic Review)
                               2. Artwork Approval

14 August 2009                                                                   31
EMV Card: Technology Trends




14 August 2009                                 32
EMV Card:
                 Contactless EMV MC PayPass




14 August 2009                                33
EMV Card:
                 Contactless EMV VISA wave




14 August 2009                               34
EMV Card:
                 Contactless EMV VISA wave




14 August 2009                               35
Certifications



 ISO 9001-2000 Certification

 ISO 14001Certification Environmental Management

 GSM Associate Membership

 MasterCard (Card Manufacturing and Personalisation), for EMV, too

 VISA (Card Manufacturing and Personalisation), for EMV, too

 JCB (Card Manufacturing and Personalisation), for EMV, too



14 August 2009                                                       36
Market Strengths and Production Capacity

              Production Capacity                   Strong international market presence for
                 Estimate (M)                       the GSM / Mobile / Telecommunication /
 150                                                Banking industries and ranks worldwide as
 140                                                5th largest card production plant.
 130
 120
 110                                                Some of the latest production systems:
 100                                                  HEIDELBERG CD-74 6 Color Station with UV
  90                                                  Dryer.
  80
                                                      DATACARD MPR 5000 Milling Embedding Punch
  70
  60                                                  DATACARD MPR 5800 Personalization Machine
  50                                                  DATACARD MaxSys System and Affina Onestep
  40                                                  Software
  30
                                                      MUEHLBAUER PI 36000 World’s fastest
  20
                                                      Automatic Card Inspection
  10
   0                                                  MUEHLBAUER CMI 4000 Milling Embedding
       2003    2004     2005   2006   2007   2008
                                                      Atlantic Zeiser Personalization Machine
                                                      OTI/MCT CombiCard Machine for Dual Interface
              Contact            Other Cards
                                                      Kurz Hotstamping Machine

14 August 2009                                                                                  37
Product Chips Support


  Banking Chips
  •       Global Platform, NXP (Visa/Master/JCB/CPA)
  •       Native, Multos (Visa/Master/Amex/JCB/CPA)
  •       Native, Others (Visa/Master/CPA)
  -support full standard SDA, DDA and CDA typed                                Others
  -support Credit, Debit, Pre-Authorized Debit, Chip Authentication, and
   Contactless payment applications
  -support not personalised & not encoded as well as personalised, encoded &
      fulfillment as according to bank cardholder’s data.


  Telco Chips (GSM, CDMA)
  •       Samsung
  •       Infineon
  •       EM Micro




14 August 2009                                                                          38
NXP JCOP chips offer complete range of banking products
                 ,from 10K E2PROM to 80K E2PROM contact and contactless
                 chips, supporting SDA, dynamic (DDA) and combined (CDA)
                 data authentication as standard.




                                                                           39
14 August 2009                                                        39
Banking References




   Our Bank clients are in
     - Central Europe
     - Eastern Europe
     - Middle East / Gulf Region
     - Africa




14 August 2009                           40
Plant Security Overview

In-house Security Standards in accordance to industrial
requirements

Some of the plant fixtures include:
High physical and personnel security design
High security vault
Perimeter IR IDS, shock detection windows
Duress buttons
Bullet-resistant glass windows & doors at key points:
Goods Acceptance / Dispatch and Security Reception Office
Access control including man / vehicle / goods traps
Interlocking doors & sensors allow only entry of single truck/person
or material-only into high security areas Advanced man-trap system
Main power supply failure
48 hours back-up power supply for production data and IT
System back-up power supply for Security System

14 August 2009                                                         41
Card Manufacturing Flowchart
                                        Security Printing
SECURITY                                    PROCESS
                                                                                           QUALITY
   building
 regulations     customer specs        card organizations specs       ISO specs
                                                                                              follow all

access control

                                            order planning                                    incoming
                                                                                             inspection
  personal
 regulations
                                                                                                QS
                                                CAD
                                             card design                materials          QS origination
                                      (CAD/manual proofs/cromalin)     (films/inks)
  customer
 regulations
                                  pre-press films/plates/screens       preparation


                                                                                                 QC
   product                                                                                  sheet check
 regulations                               security printing                               register/colour


                                                                        screen print
                                      security code printing (MM)       (fluorecent)            tape
                  offset print
                                                                                           register check
                 wet/toray/UV
sheet QC and
documentation                                                        overlay tape laying
                                        sheet collating and fixing
                                                                                           laminate check
                                                                      magnetic stripe

                                            lamination press


14 August 2009                                                                                      42
Card Manufacturing Flowchart
                                        Card Body Production
   SECURITY                                       PROCESS
                                                                                             QUALITY

     hologram                                 lamination press
    supervision                                                                             laminate check
   counting and
  documentation
                      hologram
                      mastering
                                                                                            punching check
                                              card punching                                    register

                       hologram
                    foil-embossing
                                                                                            hot-stamping
                                                                                                check
                                              Hot-stamping

                                                                          magnetic stripe
                    hologram          variogram               sig.panel
                                     thermogram
                                                                                              磁magnetic
                                                                                                stripe
  supervision and
  documentation
                                                                                            read/write test
                                                  card counting

                                                                                            control 100%
                                             packaging/labelling
  supervision and
  documentation
                                                                                            packing check
                                             security transport
                                               to customer




14 August 2009                                                                                                43
You can always contact us at:


Elatec Vertriebs GmbH:
Mr. Georg Eidenschink
  : +49 89 46230710; : +49 173 3599253; @: g.eidenschink@elatecworld.com




14 August 2009                                                       44

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Introduction to Banking Cards: Magnetic Stripe & EMV Chip Migration

  • 1. Introduction to Banking Cards Banking Cards & EMV 14 August 2009 1
  • 2. Short Introduction of Elatec 14 August 2009 2
  • 3. Magnetic Stripe Card 14 August 2009 3
  • 4. Magnetic Stripe Card 14 August 2009 4
  • 5. Magnetic Stripe Card 14 August 2009 5
  • 6. Magnetic Stripe Card 14 August 2009 6
  • 7. Magnetic Stripe Card 14 August 2009 7
  • 8. Magnetic Stripe Card 14 August 2009 8
  • 9. Magnetic Stripe Card 14 August 2009 9
  • 10. Magnetic Stripe Card 14 August 2009 10
  • 11. Magnetic Stripe Card 14 August 2009 11
  • 12. From Magnetic Stripe to Chip 14 August 2009 12
  • 13. From Magnetic Stripe to Chip Four Key Factors drive Chip Migration 14 August 2009 13
  • 14. From Magnetic Stripe to Chip 14 August 2009 14
  • 15. From Magnetic Stripe to Chip What VSDC provides 14 August 2009 15
  • 16. From Magnetic Stripe to Chip VSDC offers more control than mag stripe 14 August 2009 16
  • 17. Different Roles in Transaction Process e.g. VISA or MC 14 August 2009 17
  • 18. Different Roles in Transaction Process 14 August 2009 18
  • 19. Different Roles in Transaction Process 14 August 2009 19
  • 20. What does the cardholder concern in payment 14 August 2009 20
  • 21. What is EMV ? 14 August 2009 21
  • 22. What is EMV ? 14 August 2009 22
  • 24. EMV Card: Issuing Process 14 August 2009 24
  • 25. EMV Card: Financial Applications 14 August 2009 25
  • 26. EMV Card: Non Financial Applications 14 August 2009 26
  • 27. EMV Card: Application Security 14 August 2009 27
  • 28. EMV Card: SDA or DDA 14 August 2009 28
  • 29. EMV Card: SDA or DDA 14 August 2009 29
  • 30. EMV Card: SDA or DDA 14 August 2009 30
  • 31. EMV Card: Product Approval 1. Chip Approval - Issuer Public Key (IPK) Certificate Request – for Test & Production - Initial Card Issuer Master Key (KMC) - VSDC Master Derivation Keys (MDK) - UAT Cards (VISA White Plastic Review) 2. Artwork Approval 14 August 2009 31
  • 32. EMV Card: Technology Trends 14 August 2009 32
  • 33. EMV Card: Contactless EMV MC PayPass 14 August 2009 33
  • 34. EMV Card: Contactless EMV VISA wave 14 August 2009 34
  • 35. EMV Card: Contactless EMV VISA wave 14 August 2009 35
  • 36. Certifications ISO 9001-2000 Certification ISO 14001Certification Environmental Management GSM Associate Membership MasterCard (Card Manufacturing and Personalisation), for EMV, too VISA (Card Manufacturing and Personalisation), for EMV, too JCB (Card Manufacturing and Personalisation), for EMV, too 14 August 2009 36
  • 37. Market Strengths and Production Capacity Production Capacity Strong international market presence for Estimate (M) the GSM / Mobile / Telecommunication / 150 Banking industries and ranks worldwide as 140 5th largest card production plant. 130 120 110 Some of the latest production systems: 100 HEIDELBERG CD-74 6 Color Station with UV 90 Dryer. 80 DATACARD MPR 5000 Milling Embedding Punch 70 60 DATACARD MPR 5800 Personalization Machine 50 DATACARD MaxSys System and Affina Onestep 40 Software 30 MUEHLBAUER PI 36000 World’s fastest 20 Automatic Card Inspection 10 0 MUEHLBAUER CMI 4000 Milling Embedding 2003 2004 2005 2006 2007 2008 Atlantic Zeiser Personalization Machine OTI/MCT CombiCard Machine for Dual Interface Contact Other Cards Kurz Hotstamping Machine 14 August 2009 37
  • 38. Product Chips Support Banking Chips • Global Platform, NXP (Visa/Master/JCB/CPA) • Native, Multos (Visa/Master/Amex/JCB/CPA) • Native, Others (Visa/Master/CPA) -support full standard SDA, DDA and CDA typed Others -support Credit, Debit, Pre-Authorized Debit, Chip Authentication, and Contactless payment applications -support not personalised & not encoded as well as personalised, encoded & fulfillment as according to bank cardholder’s data. Telco Chips (GSM, CDMA) • Samsung • Infineon • EM Micro 14 August 2009 38
  • 39. NXP JCOP chips offer complete range of banking products ,from 10K E2PROM to 80K E2PROM contact and contactless chips, supporting SDA, dynamic (DDA) and combined (CDA) data authentication as standard. 39 14 August 2009 39
  • 40. Banking References Our Bank clients are in - Central Europe - Eastern Europe - Middle East / Gulf Region - Africa 14 August 2009 40
  • 41. Plant Security Overview In-house Security Standards in accordance to industrial requirements Some of the plant fixtures include: High physical and personnel security design High security vault Perimeter IR IDS, shock detection windows Duress buttons Bullet-resistant glass windows & doors at key points: Goods Acceptance / Dispatch and Security Reception Office Access control including man / vehicle / goods traps Interlocking doors & sensors allow only entry of single truck/person or material-only into high security areas Advanced man-trap system Main power supply failure 48 hours back-up power supply for production data and IT System back-up power supply for Security System 14 August 2009 41
  • 42. Card Manufacturing Flowchart Security Printing SECURITY PROCESS QUALITY building regulations customer specs card organizations specs ISO specs follow all access control order planning incoming inspection personal regulations QS CAD card design materials QS origination (CAD/manual proofs/cromalin) (films/inks) customer regulations pre-press films/plates/screens preparation QC product sheet check regulations security printing register/colour screen print security code printing (MM) (fluorecent) tape offset print register check wet/toray/UV sheet QC and documentation overlay tape laying sheet collating and fixing laminate check magnetic stripe lamination press 14 August 2009 42
  • 43. Card Manufacturing Flowchart Card Body Production SECURITY PROCESS QUALITY hologram lamination press supervision laminate check counting and documentation hologram mastering punching check card punching register hologram foil-embossing hot-stamping check Hot-stamping magnetic stripe hologram variogram sig.panel thermogram 磁magnetic stripe supervision and documentation read/write test card counting control 100% packaging/labelling supervision and documentation packing check security transport to customer 14 August 2009 43
  • 44. You can always contact us at: Elatec Vertriebs GmbH: Mr. Georg Eidenschink : +49 89 46230710; : +49 173 3599253; @: g.eidenschink@elatecworld.com 14 August 2009 44