Les évolutions dans l’émission instantanée. Sebastien Tormos, DATACARD 19 Novembre, 2010
Visitez le Stand Datacard 3D055 Hall 3 sur le Salon Cartes2010 du 7 au 9 décembre au Parc Exposition de Paris Nord- Villepinte. Demandez votre badge visiteur sur www.cartes.com en entrant le code promotionnel 152461.
About Datacard Group Today Headquartered in Minnetonka, Minnesota, USA
Privately held with annual revenues of approximately $400 million
More than 1,400 employees worldwide
Service and support network covering more than 120 countries
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Background and Experience Datacard Group founded to issue financial cards and was a key pioneer in the market 40 years experience working with leading institutions
Trusted leader among payment providers to personalize and issue financial cards 20,000+ instant issuance and over 4,000 central Issuance systems installed globally Extensive experience with instant, central and off-site issuance installations at retail locations Over 7,500,000 cards issued daily on Datacard® solutions Successful EMV implementations worldwide (150+)
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INSTANT ISSUANCE STRENGTH Datacard Group’s acquisition of Dynamic Card Solutions and the CardWizard software brand creates an unmatched source for instant issuance solutions
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Why Datacard? • #1 Visa/MC Instant Issuance Solutions • Market Leadership – 80% market share for commercially available solutions
• Patented Client/Server Software – Three additional patents pending
• • • •
Instant/Central Card Issuance Real-time or Batch Processing Full PIN Selection and Re-PIN Capabilities Single Market Focus – Card Issuance & PIN Selection
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The Industry Continues to Evolve Technology
Datacard CI HW/SW Platforms New Applications/ Industry Standards
Visa/MasterCard Mandates
Market Opportunities
• • • •
Magstripe -> Smart Card Contactless – Contact – Combi Cards Cryptographic methodology and standards Form Factors (Fob, Phone, MicroSD,….)
• Legacy Systems • MX-Series/Maxsys/MPR • Middleware • • • •
GlobalPlatform® MULTOS® Common Perso PBOC, ….
EMV • Physical Security • Logical Security • Patch Management •
• • • • •
EMV Migration Financial Instant Issuance Attended / Unattended Prepaid opportunities Decentralized Issuance Mobile Payment
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Major Challenge for Issuers
Secure Issuance Anywhere™ Datacard empowers you to manage card programs exactly the way you and your cardholder desire — securely, reliably and flexibly — anywhere, anytime. .
Payment cards and devices can be issued instantly or centrally Datacard Issuance Management Software
Provide Personalized & Activated Card Product Anytime, Anywhere 7
Market Dynamics Driving Instant Issuance Consumers today expect instantly personalized products and services
Convenience
Innovative Choices
• Receive card anywhere • “Can I get a card now for my spouse?”
• Choose unique card design • “Can I upload my photo for my card design?”
Today
Speed & Responsive Services
• Receive card immediately • “I lost my card, and I need a replacement now.”
Tomorrow
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Issuer Benefits Maximize Customer Convenience • Issue and activate permanent cards for immediate use • Provide instant purchasing power • Issue new cards or emergency card replacements quickly in branch • Offer a choice of card designs • Provide more information and education to customers directly
Increase Profitability
Strengthen Program Security
• Attract new customers • Raise activation rates • Increase card usage • Gain loyalty and topof-wallet placement • Reduce paper and mailing costs • Cross-sell other products and services
• Ensure secure data transfer • Increase delivery security • Centralize control of data preparation and issuance management • Allow customers to select their own PINs • Securely personalize and issue smart cards
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Top 10 Reasons Banks Want Instant Issuance • • • • • • • •
Improve the customer experience Higher activation rates Quick response to lost/stolen/compromised cards Increased interchange Top of wallet Competitive Advantage Custom design capabilities Attract young bank customers with innovative way to issue cards • Ability to cross sell credit cards • Ability to influence customer behavior at time of card issuance: educate them on card Usage (emerging markets)
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Bank’s Top 15 Wish List for Instant Issuance HARDWARE
SOFTWARE
SERVICE AND SUPPORT
Reliable Hardware with top Embossed quality and RFID
EMV Scripts to have duality for both CI and II environment.
Meet EMV and PCI compliance for security and audit
A way to turn on and off the printer from the host system
Integration to core card management system for easy PIN selection and reissues
Affordable, effective depot maintenance
Inventory control
Secure Multi Hoppers with cards counters
Immediate card activation SDK to develop some components internally if desired
Project Mgt for large rollouts
ROI model to justify internally Support for training, installation, and on going maintenance
Quality Print image
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EMV Secure Issuance work flow solution Issuing Branch Point of Sales
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2 Bank operator authentication
Apply for a card
4 Card design selection
5 Pin code key in
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6 Card Personalization
Delivery
Activation
Issuing Bank Activation request
Scoring SI Client
Pin code synchronisation
Data Ganeration
Card activated
SI Cartes
Prin code data reception
Card order reception Central II Server
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EMV data preparation and generation
Secured Kiosk Card Equipment •
Kiosk = Multi card secure system with up to 5 selectable card cassettes, 3 hoppers per cassette
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Embossing and Indent printing Dual topper (gold and silver)
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Magstripe Encoding
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Chip-Personalization Contact, dual interface, contactless
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High Security Concept Secure cassettes to access to the card stock Secure reject box
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Branch Issuance: DC315GX • Card Issuance ATM system (stand alone) – Un-attended stand alone for new issuance and renewal of ATM cards
• Card Issuance ATM system (built in to walls) – Un-attended card issuance machine, placed safely behind security walls/doors, for new issuance and renewal of ATM cards
• Branch issuance system (desktop) – Instant issuance of ATM/Credit cards in branch locations, which requires physical security protection of cards and system
Two large Customer projects conducted with endorsements of Visa for the first and MasterCard for the second !
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New Market Requirements for instant issuance Mobile phones to act as a Secure Card (user authentication + independent crypto module). Some devices (microSD cards) support already – Highest security level (DPA/SPA) – Symmetric and Asymmetric encryption , AES 3-DES, DAS ,RSA – Digital Signature with symmetric/asymmetric encryption Support Javacard API and GlobalPlatform API. The financial application can be controlled by the bank industry and Remain SIM and Telco Independent. Additionnal Content storage capacity min 2Gb (flash memory).
Personalization, final packing, delivery post issuance similar to actual standards of the card industry.
Personalization in Branch on a Pad, or on a desktop equipment Personalization solutions able to support mass volumes. Support MasterCard PayPass , Visa PayWave applications
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"How would you like to pay today ? - Cash, Card or Phone?"
Secure Issuance Anywhere™ Datacard empowers you to manage card programs exactly the way you and your cardholder desire — securely, reliably and flexibly — anywhere, anytime. .
Payment cards and devices can be issued instantly or centrally Datacard Issuance Management Software
Provide Personalized & Activated Card Product Anytime, Anywhere 16
Visitez le Stand Datacard 3D055 Hall 3 sur le Salon Cartes 2010 du 7 au 9 décembre au Parc Exposition de Paris Nord- Villepinte. Demandez votre badge visiteur sur www.cartes.com en entrant le code promotionnel 152461.
Contact commercial France: Patrick Lunven 06 70 88 75 15
[email protected] Contact Marketing EMEA: Jean-Louis Meyer 06 18 41 58 12
[email protected]
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