EMV CARD PERSONALIZATION
Magnetic card personalization is a static encoding of track information on magnetic tape. This information is written in clear text by necessity and anybody can read and copy this information. Magstripe personalization is relatively simple where you generate a card holder file containing card number, name, expiry date, CVV, CVV2, PVV and SVC. All magstripes are same and whatever you send is written on stripe.
On the other hand EMV card personalization requires sending 30-40 commands with complex cryptography to store data and secret keys, PIN codes, etc into the card. This is effectively a computer to computer communications process and this process is made in encrypted mode sort of like SSL. Furthermore, every EMV card and application is different. There are some common families of EMV cards like Global Platform CPS but essentially every card vendor's card and each model from the same vendor is different. Therefore, without few exceptions you will not be able to mix and match EMV cards from different vendors. You will be needing specific perso scripts or DLLs matching your target card and application. You must also consider the memory size of your card according to the content you want to place on the card.
Contactless and Dual Interface cards are similar to EMV cards as they also contain a microchip but instead of contacts they have an antenna to exchange commands over the air over a distance of 2 to 4 inches. Dual Interface cards also have contacts and can be personalized over the contacts and can be used either contactless or from the contacts.
Data preparation of EMV is much more than PVV, CVV, CVV2 for magstripe which you still need but much more like UDK, SDA, DDA, CDA, Encrypted PIN block, iCVV, CVC3, etc. For this you need an additional software like Thales P3 or Verisoft VPDP and an HSM from Thales, Futurex or SafeNet.
Finally, you need a chip capable embosser or printer with a software like Verisoft PowerEMV which will read the data and keys prepared like above and by using an HSM and a specific DLL for a target vendor's card which will start by encoding the magstripe as usual and then place the card into a chip station and starts sending the required 30+ encrypted commands while talking with the HSM to write the data and keys into each card. Once this is finished the embossing and printing will be made and finally cards are going to be placed on mailers.
Verisoft InstantEMV is another solution for instantly issuing cards at bank branches and retail locations in a distributed fashion where the customer can also select her own PIN during enrolment and in less than 5 minutes can walk out with a fully functional EMV card.
Embossers and printers from Matica, CIM, Magtek, Zebra, HID Fargo, Evolis, Datacard, Atlantic Zeiser and NBS can be supported.
EMV cards from Gemalto, Kona, Oberthur, Austria Card, Sagem Morpho, G&D, DZ, FutureCard, Swiss Post, Trueb, Perfect Plastic, OTI, Inside Secure, ZC, Samsung, Hitachi and Multos can be personalized with PowerEMV and InstantEMV.
You can continue doing your Inhouse Personalization with Verisoft PowerEMV software which makes this process as easy as magstripe personalization and the costs of the set up and maintanence is very reasonable. We have implemented and deployed these systems in more than 30 countries.
Or, you can use a perso bureau with Verisoft VPDP by making your own EMV Data Preparation and control your secret keys..
You can control and test your personalized cards with Verisoft testing and simulation tools like EMVprobe. PowerEMV has options for Inline QC Tools to check your EMV cards while still in the machine and stop the production if something is wrong.
Contact: [email protected] for more information about EMV card personalization.
www.verisoft.com
Magnetic card personalization is a static encoding of track information on magnetic tape. This information is written in clear text by necessity and anybody can read and copy this information. Magstripe personalization is relatively simple where you generate a card holder file containing card number, name, expiry date, CVV, CVV2, PVV and SVC. All magstripes are same and whatever you send is written on stripe.
On the other hand EMV card personalization requires sending 30-40 commands with complex cryptography to store data and secret keys, PIN codes, etc into the card. This is effectively a computer to computer communications process and this process is made in encrypted mode sort of like SSL. Furthermore, every EMV card and application is different. There are some common families of EMV cards like Global Platform CPS but essentially every card vendor's card and each model from the same vendor is different. Therefore, without few exceptions you will not be able to mix and match EMV cards from different vendors. You will be needing specific perso scripts or DLLs matching your target card and application. You must also consider the memory size of your card according to the content you want to place on the card.
Contactless and Dual Interface cards are similar to EMV cards as they also contain a microchip but instead of contacts they have an antenna to exchange commands over the air over a distance of 2 to 4 inches. Dual Interface cards also have contacts and can be personalized over the contacts and can be used either contactless or from the contacts.
Data preparation of EMV is much more than PVV, CVV, CVV2 for magstripe which you still need but much more like UDK, SDA, DDA, CDA, Encrypted PIN block, iCVV, CVC3, etc. For this you need an additional software like Thales P3 or Verisoft VPDP and an HSM from Thales, Futurex or SafeNet.
Finally, you need a chip capable embosser or printer with a software like Verisoft PowerEMV which will read the data and keys prepared like above and by using an HSM and a specific DLL for a target vendor's card which will start by encoding the magstripe as usual and then place the card into a chip station and starts sending the required 30+ encrypted commands while talking with the HSM to write the data and keys into each card. Once this is finished the embossing and printing will be made and finally cards are going to be placed on mailers.
Verisoft InstantEMV is another solution for instantly issuing cards at bank branches and retail locations in a distributed fashion where the customer can also select her own PIN during enrolment and in less than 5 minutes can walk out with a fully functional EMV card.
Embossers and printers from Matica, CIM, Magtek, Zebra, HID Fargo, Evolis, Datacard, Atlantic Zeiser and NBS can be supported.
EMV cards from Gemalto, Kona, Oberthur, Austria Card, Sagem Morpho, G&D, DZ, FutureCard, Swiss Post, Trueb, Perfect Plastic, OTI, Inside Secure, ZC, Samsung, Hitachi and Multos can be personalized with PowerEMV and InstantEMV.
You can continue doing your Inhouse Personalization with Verisoft PowerEMV software which makes this process as easy as magstripe personalization and the costs of the set up and maintanence is very reasonable. We have implemented and deployed these systems in more than 30 countries.
Or, you can use a perso bureau with Verisoft VPDP by making your own EMV Data Preparation and control your secret keys..
You can control and test your personalized cards with Verisoft testing and simulation tools like EMVprobe. PowerEMV has options for Inline QC Tools to check your EMV cards while still in the machine and stop the production if something is wrong.
Contact: [email protected] for more information about EMV card personalization.
www.verisoft.com