ISSUING EMV CARDS
EMV cards are similar to magstripe cards and the only difference is the additional microprocessor chip on the card. You will still have the magstripe and signature panel and hologram. You have to consider the position and size of the chip when you are designing the front and back of the card. There are different size and shape chips with the larger 8 contacts and smaller 6 contacts. Contacts can be gold or silver colored.
This chip contains everything magstripe tracks provide and some more like SDA, DDA or CDA digital signatures, or Offline PIN. This is possible because the chip can contain much more storage space compared to magstripe which has a page of 3 lines for track 1, 2 and 3. Chip cards have a page sizes ranging from 16 to 500 lines. So, you can store additional information like Loyalty, Health, Biometric information or even color picture of the cardholder. It is very flexible and limits are your imagination.
So, you can not only store plenty of information into EMV cards but you can also make interactive decisions with these cards. Some of the information you store will be secret information like PIN codes which will be used for cardholder verification or cryptographic keys which will be used during POS and ATM transactions as cryptograms.
Cryptograms are calculated by the chip using these keys with transaction date, amount, currency, etc which will be sent in the online authorization message.
In summary EMV card issuing will require changes in your card management system to enable it to handle additional data which will be coming in the online authorization messages and clearing/settlement files. Your system must be able to use the upgraded HSM functions for EMV like ARQC and ARPC cryptograms. You must be also able to EMV key and certificate management in order to do this and EMV data preparation of cards which will be stored into the chip by the perso bureaus. Currently magstripe perso requires only two lines of data but for EMV you will be preparing approximately 50 lines of data including 3-5 cryptographically sensitive and secret data : UDK, PIN, RSA KEYS and some complex calculations like SDA or signed IPKs.
All of this may sound complicated but Verisoft have all the tools and software to make this transition possible and easy.
Verisoft PowerCARDIX is an integrated EMV Issuing and Acquiring software system.
Verisoft VPDP software enables EMV key and certificate management and can preapare EMV data for personalization.
EMVprobe is a testing system for analyzing EMV cards and simulating EMV transactions.
PowerPOS is and EMV TMS for POS terminals to switch EMV POS transactions.
PowerATM enables EMV transactions on ATMs.
PowerLIFE provides EMV Post Issuance Scripting for PIN Change, Unlocking PINs and other dynamic updates on chips.
Contact: [email protected] for more information about EMV Card Issuing.
www.verisoft.com
EMV cards are similar to magstripe cards and the only difference is the additional microprocessor chip on the card. You will still have the magstripe and signature panel and hologram. You have to consider the position and size of the chip when you are designing the front and back of the card. There are different size and shape chips with the larger 8 contacts and smaller 6 contacts. Contacts can be gold or silver colored.
This chip contains everything magstripe tracks provide and some more like SDA, DDA or CDA digital signatures, or Offline PIN. This is possible because the chip can contain much more storage space compared to magstripe which has a page of 3 lines for track 1, 2 and 3. Chip cards have a page sizes ranging from 16 to 500 lines. So, you can store additional information like Loyalty, Health, Biometric information or even color picture of the cardholder. It is very flexible and limits are your imagination.
So, you can not only store plenty of information into EMV cards but you can also make interactive decisions with these cards. Some of the information you store will be secret information like PIN codes which will be used for cardholder verification or cryptographic keys which will be used during POS and ATM transactions as cryptograms.
Cryptograms are calculated by the chip using these keys with transaction date, amount, currency, etc which will be sent in the online authorization message.
In summary EMV card issuing will require changes in your card management system to enable it to handle additional data which will be coming in the online authorization messages and clearing/settlement files. Your system must be able to use the upgraded HSM functions for EMV like ARQC and ARPC cryptograms. You must be also able to EMV key and certificate management in order to do this and EMV data preparation of cards which will be stored into the chip by the perso bureaus. Currently magstripe perso requires only two lines of data but for EMV you will be preparing approximately 50 lines of data including 3-5 cryptographically sensitive and secret data : UDK, PIN, RSA KEYS and some complex calculations like SDA or signed IPKs.
All of this may sound complicated but Verisoft have all the tools and software to make this transition possible and easy.
Verisoft PowerCARDIX is an integrated EMV Issuing and Acquiring software system.
Verisoft VPDP software enables EMV key and certificate management and can preapare EMV data for personalization.
EMVprobe is a testing system for analyzing EMV cards and simulating EMV transactions.
PowerPOS is and EMV TMS for POS terminals to switch EMV POS transactions.
PowerATM enables EMV transactions on ATMs.
PowerLIFE provides EMV Post Issuance Scripting for PIN Change, Unlocking PINs and other dynamic updates on chips.
Contact: [email protected] for more information about EMV Card Issuing.
www.verisoft.com