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Oberthur Card Systems EMV issuance recommendation

Oberthur Card Systems EMV issuance recommendation. 2005 Frost & Sullivan World Banking Smart Card Market study:. Oberthur Card Systems “managed to surpass all competition and capture the number one spot in the banking and loyalty market”. Oberthur – #1 in the Banking Market.

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Oberthur Card Systems EMV issuance recommendation

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  1. Oberthur Card SystemsEMV issuance recommendation

  2. 2005 Frost & Sullivan World Banking Smart Card Market study: Oberthur Card Systems “managed to surpass all competition and capture the number one spot in the banking and loyalty market” Oberthur – #1 in the Banking Market • The world’s leading provider of payment cards for banks: • More than 5,000 financial banking institutions supplied in 20 years • N°1 supplier of Visa and MasterCard stripe and smart cards: • More than 150 EMV pilots on all 5 continents • Over 150 millions EMV cards issued and personalized • Recognized worldwide leader of smart card personalization:

  3. Global Expertise, Local Solutions

  4. Centralized Manufacturing, Decentralized perso

  5. How can we help you with EMV Migration? • Product Range • Added Value application • EMV-in-a-Box / PersonIC

  6. Product Range “The widest product offer”

  7. Native/Platform Comparison

  8. Native/Java/Multos Summary

  9. Added Value

  10. Value Added Services • Personalisation • Specific fulfilment including packaging • Specific card designs • Plastic and electronic innovations • Consulting • Development

  11. Innovation Opportunities • Innovation through Plastic design (transparent, translucent, coloured core, inks, shapes) • Innovation through convergence (Sky/Barclaycard EMV/loyalty, M-Banking, E-Commerce) • Innovation through one to one card image card personalisation • Innovation through new form factors

  12. Continuing Product Evolution Token Authentication Self perso Encrypted PIN 1408 Bit Key 1152 Bit Key Contactless PIN@ POS CDA DDA faster; bigger; more secure; more content; more applications 2003 2004 2005 2006 2007 2008 2009 2010 Product Release Product Release Product Release

  13. Loyalty card market segmentation LoyaltyAs Unique Applic Loyalty InClosed Environment Loyalty InOpen Environment Loyalty, Closed E-Purse, Access Loyalty, OpenE-Purse, Access POS Single Retailer POS Multi Sector Open Payment E-commerce Transport Campus ID Corp ID City-Town Transport Mag-S Mem CPU based Multi application cards

  14. Are these your concerns? • What to do? Where to start? • Component? Memory size? • Native or open-platform • Visa, MasterCard, AMEX or JCB… • Platinum, Black, Blue, Classic, etc… • Contactless… • Loyalty, multi-application?… • Dual Interface … • Which Perso model? • Outsourcing or In-house perso • Facilities utilization? Investment? • Project Management?

  15. EMV in a box Program Management, Consultancy, Training, Tools PERSONIC Instant PERSONIC In-House PERSONIC Signature PERSONIC EMV Support for Third Party and In-house Bureaux Oberthur Existing Bureau Network Instant Issuance PRODUCT SUPPORT PRODUCT SUPPORT SERVICE Oberthur CPS Toolkit PersonIC The complete portfolio

  16. PersonIC The complete portfolio EMV in a box PERSONIC Signature PERSONIC Oberthur Existing Bureau Network SERVICE Oberthur CPS Toolkit

  17. PersonICSignature Oberthur Existing Bureau Network PERSONIC Signature • Uses the globally available CPS tool suite for card personalization • Provides disaster recovery – instant card personalization from any backup bureau within the Oberthur network • Available in Oberthur bureau from “Very Light Footprint” through to large personalization bureau for mature markets • Core service offer including file receipt, data processing, card and carrier personalization, matching, packing and despatch to cardholder. • Provision of additional services to enhance the cardholder experience.

  18. PersonICSignature PERSONIC Signature Oberthur Existing Bureau Network Disaster Recovery Dynamic Ultralabelling Additional services Additional Material; Readers etc Online PIN Management Innovative Packaging Artista Intelligent Insertion Batch Merging Hand Packing Stock Mgmt Carrier Perso File Receipt Reporting Matching Despatch Customer OCS Bureau Card Perso Packing Fulfilment Core services SMS text Despatch Notification Online Card Tracker Dynamic Messaging Remote Profile Development E-mail Despatch Notification Colour Duplex Printing Additional services

  19. PersonIC EMV-in-a-Box and more EMV in a Box “12 weeks to migration”

  20. EMV-in-a-Box / PersonIC What is it? • A complete solution containing consultancy, training, project management, technical support and expertise gained from hundreds of EMV migrations • A marketing tool to define and improve customer segmentation from VIP’s through to everyday cardholders • A programme enabling EMV card set-up for deployment within 12 weeks from project initiation • A common toolkit to build customer card profiles on any Oberthur EMV product once, to be used everywhere including:- • Desktop PC for test cards • The Oberthur global bureau network • 3rd party and in-house bureaux • In-branch Oberthur instant card issuance installations

  21. EMV in a box PersonIC The complete portfolio • Phase 1: Project Definition • Output: Project plan, Training plan • Phase 2: Design and Specification • Output: All profiles, products and application set up, Test cards • Phase 3: Artwork and Plastic Production • Output: Card proofs, optional plastic proofing, embedded cards • Phase 4: Key management • Output: Receipt, generation and input of keys. Certificate generation and storage • Phase 5: Pre-personalisation and Personalisation • Output: Software set-up, data preparation, input file management, fulfilment • Phase 6: Testing and validation • Output: Test cards (live and test keys) PERSONIC

  22. PersonIC EMV in a box Phase 1 – Project Definition Phase 1 – Project Definition and Set-up Phase 2 - Design & Specification Phase 3 – Artwork and Plastic Production Phase 4 - Key Management Phase 5 - Pre-perso & Personalization Phase 6 - Testing & Validation Week 0 1 3 5 2 4 6 7 8 12 9 10 11

  23. PersonIC EMV in a box Phase 2 – Design and Specification • Training and understanding of “what is a card profile?” • Cardholder segmentation • Define with marketing teams how they want to build a card for each market segment • Using the Banking Card Configurator • Set up Card Profiles for each segment • Application and card selection • Manage the application features and parameters • Automated EMV compatibility checking • Interfaces directly with Oberthur CPS personalisation system • Test cards immediately available • Preparation for launch • Stock and fulfilment requirements “EMV made simple – a marketing tool with a technical engine”

  24. PersonIC EMV in a box Phase 3 – Artwork/Card manufacture • Full design artwork consultancy • Artwork electronic upload • Scheme certification • Plastic proofing (optional) • Innovative designs using new materials and advanced print technology • Cards manufactured and embedded as fast as possible “Strive to differentiate through design and card innovation”

  25. PersonIC EMV in a box Phase 4 – Key management • Key management handled smoothly • Oberthur manages the complete integration of test and live keys and the upload to the local personalization systems “Our trained local technical support will implement all key requirements safely and securely without complicating the issue”

  26. PersonIC EMV in a box Phase 5 – Pre-perso and Personalisation • Pre-personalisation set up for card profiles, including key management and development file structures • Mapping of requirements to target bureau • CPS within Oberthur bureau • CPS in third party or in-house banking bureau • Output to alternative in-house solutions (SCPM, CIM, NBS etc) • Data preparation in target bureau • Fulfilment requirements set-up • Input / Output file management

  27. PersonIC EMV in a box Phase 6 – Test and Validation • Final pre-launch test card using test keys • Scheme certification • Full pre-launch live card using actual plastic, live keys and fulfilment through target bureau • Card validation • Final customer approval for go-live.

  28. PersonIC The complete portfolio EMV in a box PERSONIC In-House PERSONIC EMV Support for Third Party and In-house Bureaux PRODUCT SUPPORT Oberthur CPS Toolkit

  29. PersonICIn-House PERSONIC In-House EMV Support for Third Party and In-House Bureaux • EMV migration solutions based on card personalization through non-Oberthur bureau • For in-house personalisation and partner third party bureaux, Oberthur can provide a fully integrated standalone CPS solution • Hardware, software and full testing of system installed at the target site. • Hardware and licenses based on the number of cards personalised per year • Regular product upgrades in line with product upgrades. • Yearly maintenance • All Oberthur smartcard platforms are supported and maintained • Support for third party personalisation systems such as SCPM, CIM, NBS etc are available from Oberthur

  30. PersonICIn-House PERSONIC In-House Product Line • PersonIC In-House Lite • Low cost solution for up to 350k cards per year • Uses desktop embossing equipment • Suitable for EMV trials • PersonIC In-House 2 • Suitable for servicing 2 high volume personalization machines and up to 2 million cards per year • PersonIC In-House 4 • Suitable for servicing 4 high volume personalization machines and up to 4 million cards per year

  31. PersonIC The complete portfolio EMV in a box PERSONIC Instant PERSONIC Instant Issuance PRODUCT SUPPORT Oberthur CPS Toolkit

  32. PersonICInstant PERSONIC Instant Instant Issuance • Face to face card personalization solution • Installation of PersonIC with personalization hardware in branch • Interface to bank network for card detail download/upload • Full EMV chip personalization performed securely • Optional customer PIN selection • On-site maintenance and support for instant issuance network

  33. Recommendation for EMV issuers Outbound Outsourcing & training, consultancy Native & Java Native > Java In-house perso or outsourcing? Native or Java In-house perso establishing In country/outbound Out sourcing Localized applets & application Now, mid 2007 End 2008 End 2007 Mid 2008

  34. Recommendation to issuers • Complete EMV Certified back-end and card acquiring system • Standardized your project team with EMV migration and issuance process! • Multi-application may slow down your EMV migration! • Having clear roadmap for personalization (balance between out-sourcing and In-house perso). Bank is not a perso company. • Select strategic partners for cards business. Don’t fragment your demand!

  35. Thank You !!! Ngô Việt Khôi – Country Manager Oberthur Cards Systems Vietnam E-mail: n.khoi@oberthurcs.com Mobile: +84 91322 5486

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