Kona Sl South Korean company

2. Kona Software Lab Limited is the R&D and Global solution
business wing of the South Korean smart card industry
pioneer, Kona I Co., Ltd. It manufactures smart card,
develops various state-of-the-art payment and security
solutions for global & local partners & clients, with
continuous efforts to bring secure payments in different
form factors (chip, mobile, wearable, etc.) by leveraging
years-long expertise in EMV and smart card domain.
Largest NFC
USIM
provider in
world
Produce &
supply
150mil cards
annually
worldwide
30% growth
achieved
annually in
terms of
sales volume
Bangladesh’s
first HCE
payment
tech
provider
Serving 25(+)
local
commercial
banks with
card & chip
products
Global
presence in
US, China,
India, Nigeria
&
Bangladesh
100+ product
certifications
from VISA
Ready, JCB,
Amex &
MasterCard
20+ Years
experience
in global
smart card &
solution
industry
export to about 90
countries, serving 500+
Banks
Company Overview
Copyright © 1999–2019 KONA. All Rights Reserved

3. KONA SL Highlights
Copyright © 1999–2019 KONA. All Rights Reserved

4. KONA SL’s Valued Customers in Bangladesh Market
Copyright © 1999–2019 KONA. All Rights Reserved

5. Technology Partnerships
• ASAP (Alliance for Solution and Application Providers)
Program of UK-based company Thales
• Resellers of world-renowned security company
Underwriter’s Laboratories for the South Asia region
• Contributed in HCE Webinar project of Smart Card
Alliance
Technology Certifications
• VISA Ready for Cloud Based Payments
• FIPS 140-2 for Security, NIST, USA
• International Payment Applications
• Local Payment Schemes
Certifications & Partnerships
Copyright © 1999–2019 KONA. All Rights Reserved

6. KonaPay is one of the first two Mobile Wallet
Applications to be Visa Ready certified for Visa Cloud-
based Payments Contactless Specifications (VCPS 1.5 |
Published: Mar-15).
Visa Ready Certification for Cloud
Based Payments
FIPS certificate for PKI Card: A prerequisite for
any identity product to launch in the US market.
FIPS: Federal Information Processing Standards
PKI: Public Key Infrastructure
FIPS 140-2 Level 3 Certification for
Security Products
Copyright © 1999–2019 KONA. All Rights Reserved

7. 7
Kona Platform – the Card Digitization Platform from Kona I
Card Digitization & Tokenization
• Existing credit/debit card can be digitized into a user’s
wallet
• Instead of real PAN, tokenized PAN is propagated
throughout the system
Transaction with NFC/QR/Barcode
• In-Store Transaction (POS)
• Online Transaction
o In-App Transaction
o In-Browser Transaction
Security
• Tokenization
• Temporary keys
• Encrypted Messaging
• Local Database Encryption
• Whitebox Cryptography
Copyright © 1999–2019 KONA. All Rights Reserved

8. KonaCard—the Prepaid Platform from KONA I
In 2016, KONA I launched its own prepaid card to be used on both mobile wallet and dual-interface card in
South Korea. This is the first-ever platform that allows any entity become a card issuer, design exciting card
products with attractive discounts and loyalty, share marketing information; and serve their customers just
as they like it.
Copyright © 1999–2019 KONA. All Rights Reserved

9. Kona DCVV And OTP Card
MS Tape
Signature
Panel
Battery
Display
Security
Module
Battery
13 Buttons
or None
Display
Security
Module
Power
To prevent fraudulent use of stolen card data online,
dCVV card generates a 3-digit variable that changes
every hour.
Kona DCVV (Dynamic CVV) Card
An OTP display card is a first-class security medium
that generates a one time password every time it is
used.
• Time synchronized password type
• Hash Chain or demand password generate type
• 4-digit PIN type that uses keypad integrated into card
Kona OTP (One Time Password) Card
Copyright © 1999–2019 KONA. All Rights Reserved

10. Kona Card Personalization System
Card Issuer
Kona CPS
APDU Exchange
HSM
Raw Data for
Personalization
FTP Server
Card Production Bureau
Data
Preparation
Card
Personalization
Fulfillment Equipment
Atlantic Zeiser
Matica
Datacard
Kona CPS
K-CPS is the best solution to manage the entire life cycle
of your smart cards and their applications - from data
preparation and personalization of application on the chip
to post-issuance activities such as blocking/ unblocking
PINs and final revocations of smart cards.
Open System Architecture
•No restrictions with particular OS / platforms
•Enable operations on Sun Solaris, IBM AIX, HP, Linux,
MS Windows
Modularized Structure
• Personalization and Data Preparation processes can
be run concurrently due to the modular structure.
• Flexible management in adding new equipment or
interface method changes
Copyright © 1999–2019 KONA. All Rights Reserved

11. Kona EMV Verification Tool
Kona’s EMV Verification Tool:
• Simulates real-time transactions.
• Tests cards for successful personalization.
o Verifies application data
o Verifies CVM
o Verifies SDA/DDA and Cryptogram
Copyright © 1999–2019 KONA. All Rights Reserved

12. Highlights of KONA OCR Solution
Simple Set Up
Copyright © 1999–2019 KONA. All Rights Reserved
Capture from a Variety of Document Types
Variety of Input Methods
Super Quick Data Scanning and Capture
Integrate into any Software
Scalable

13. What We Can Offer
• Chip card—contact, contactless, dual-interface.
• Card personalization solution.
• Card design.
Card and Personalization Solution
• Contactless mobile payment platform.
• Mobile wallet for both Android and iOS.
• Supports renowned payment brands, proprietary close-loop system and prepaid cards.
Digitization Platform
• Any technical consultancy regarding EMV payment systems and local payment schemes.
• Support for RFP preparation, common practice and standards followed in other markets.
• Certified industry professionals.
Technical Consultancy
• Skilled technical team, to be able to provide quick local support.
Local Technical Team
Copyright © 1999–2019 KONA. All Rights Reserved

14. Deployment Reference of KonaPay :
SL Product Name Deployed For Digitization Channels Transaction Channels
Year of Deploy
ment
County of Deployment Status
1 KONA I Co., Ltd.
Apps
Card
NFC
User-presented EMV QR
Code
Barcode
Online
2016 South Korea Commercial
2 SPC
Apps
Card
NFC
User-presented EMV QR
Code
Barcode
Online
2017 South Korea Commercial
3
Dutch-Bangla Bank Lt
d.
Card
Bank Account
MFS Account
Apps
Agent Banking Acco
unt
NFC
Merchant-presented EM
V QR Code
User-presented EMV QR
Code
Barcode
Online
2017 Bangladesh Commercial
4 Bank Asia Ltd.
Apps
Bank Account
Merchant-presented EM
V QR Code
2017 Bangladesh Pilot
5 NAGAD
Third Wave Technolo
gies Ltd.
Apps
Card
USSD
Cash In
Cash Out
P2P
EMV QR Code
OCR
2018 Bangladesh Commercial
Copyright © 1999–2019 KONA. All Rights Reserved

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