Introduction to Banking CardsIntroduction to Banking Cards

Banking Cards & EMVBanking Cards & EMV

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Banking Cards & EMVBanking Cards & EMV

Short Introduction of ElatecShort Introduction of Elatec

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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Magnetic Stripe CardMagnetic Stripe Card

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From Magnetic Stripe to ChipFrom Magnetic Stripe to Chip

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From Magnetic Stripe to ChipFrom Magnetic Stripe to Chip

Four Key Factors drive Chip Migration

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From Magnetic Stripe to ChipFrom Magnetic Stripe to Chip

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From Magnetic Stripe to ChipFrom Magnetic Stripe to ChipWhat VSDC providesWhat VSDC provides

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From Magnetic Stripe to ChipFrom Magnetic Stripe to ChipVSDC offers more control than mag stripeVSDC offers more control than mag stripe

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Different Roles Different Roles in Transaction Processin Transaction Process

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e.g. VISA or MC

Different Roles Different Roles in Transaction Processin Transaction Process

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Different Roles Different Roles in Transaction Processin Transaction Process

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What does the cardholder What does the cardholder concern in paymentconcern in payment

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What is EMV ?What is EMV ?

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What is EMV ?What is EMV ?

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EMV ParticipantsEMV Participants

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EMV Card: Issuing ProcessEMV Card: Issuing Process

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EMV Card: Financial ApplicationsEMV Card: Financial Applications

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EMV Card: EMV Card: Non Financial ApplicationsNon Financial Applications

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EMV Card: Application SecurityEMV Card: Application Security

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EMV Card: SDA or DDAEMV Card: SDA or DDA

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EMV Card: SDA or DDAEMV Card: SDA or DDA

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EMV Card: SDA or DDAEMV Card: SDA or DDA

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EMV Card: Product ApprovalEMV Card: Product Approval

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1. Chip Approval

- Issuer Public Key (IPK) Certificate Request –

for Test & Production

- Initial Card Issuer Master Key (KMC)

- VSDC Master Derivation Keys (MDK)

- UAT Cards (VISA White Plastic Review)

2. Artwork Approval

EMV Card: Technology TrendsEMV Card: Technology Trends

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EMV Card: EMV Card: Contactless EMV MC Contactless EMV MC PayPassPayPass

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EMV Card: EMV Card: Contactless EMV Contactless EMV VISA VISA wavewave

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EMV Card: EMV Card: Contactless EMV Contactless EMV VISA VISA wavewave

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ISO 14001Certification Environmental Management

GSM Associate Membership

ISO 9001-2000 Certification

CertificationsCertifications

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GSM Associate Membership

MasterCard (Card Manufacturing and Personalisation), for EMV, too

VISA (Card Manufacturing and Personalisation), for EMV, too

JCB (Card Manufacturing and Personalisation), for EMV, too

Market Strengths and Production CapacityMarket Strengths and Production Capacity

Production Capacity

Estimate (M)

Strong international market presence for

the GSM / Mobile / Telecommunication /

Banking industries and ranks worldwide as

5th largest card production plant.

� HEIDELBERG CD-74 6 Color Station with UV

Dryer.

Some of the latest production systems:

90

100

110

120

130

140

150

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Dryer.

� DATACARD MPR 5000 Milling Embedding Punch

� DATACARD MPR 5800 Personalization Machine

� DATACARD MaxSys System and Affina Onestep

Software

� MUEHLBAUER PI 36000 World’s fastest

Automatic Card Inspection

� MUEHLBAUER CMI 4000 Milling Embedding

� Atlantic Zeiser Personalization Machine

� OTI/MCT CombiCard Machine for Dual Interface

� Kurz Hotstamping Machine

0

10

20

30

40

50

60

70

80

2003 2004 2005 2006 2007 2008

Contact Other Cards

Product Chips SupportProduct Chips Support

Banking Chips

• Global Platform, NXP (Visa/Master/JCB/CPA)

• Native, Multos (Visa/Master/Amex/JCB/CPA)

• Native, Others (Visa/Master/CPA)

-support full standard SDA, DDA and CDA typed

-support Credit, Debit, Pre-Authorized Debit, Chip Authentication, and

Contactless payment applications

Others

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-support not personalised & not encoded as well as personalised, encoded &

fulfillment as according to bank cardholder’s data.

Telco Chips (GSM, CDMA)

• Samsung

• Infineon

• EM Micro

NXP JCOP chips offer complete range of banking products ,from 10K E2PROM to 80K E2PROM contact and contactless chips, supporting SDA, dynamic (DDA) and combined (CDA) data authentication as standard.

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39

Banking ReferencesBanking References

Our Bank clients are in

- Central Europe

- Eastern Europe

- Middle East / Gulf Region

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- Middle East / Gulf Region

- Africa

Some of the plant fixtures include:

High physical and personnel security design

High security vault

Perimeter IR IDS, shock detection windows

Duress buttons

In-house Security Standards in accordance to industrial

requirements

Plant Security OverviewPlant Security Overview

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Duress buttons

Bullet-resistant glass windows & doors at key points:

Goods Acceptance / Dispatch and Security Reception Office

Access control including man / vehicle / goods traps

Interlocking doors & sensors allow only entry of single truck/person

or material-only into high security areas Advanced man-trap system

Main power supply failure

48 hours back-up power supply for production data and IT

System back-up power supply for Security System

building

regulations

personalregulations

access control

follow all

incoming

inspection

QSQS origination

customer specs card organizations specs ISO specs

order planning

CADcard design

(CAD/manual proofs/cromalin)materials(films/inks)

SECURITY PROCESSQUALITY

Card Manufacturing FlowchartCard Manufacturing Flowchart

Security PrintingSecurity Printing

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customerregulations

product

regulations

sheet QC and

documentation

tape

register check

laminate check

QCsheet check

register/colour

pre-press films/plates/screens

security printing

security code printing (MM)

sheet collating and fixing

lamination press

offset print

wet/toray/UV

preparation

screen print(fluorecent)

overlay tape laying

magnetic stripe

hologramsupervision

counting anddocumentation

laminate check

punching check

register

hot-stampingcheck

lamination press

card punching

Hot-stamping

hologrammastering

SECURITY PROCESSQUALITY

hologramfoil-embossing

Card Manufacturing FlowchartCard Manufacturing Flowchart

Card Body ProductionCard Body Production

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supervision anddocumentation

supervision anddocumentation

control 100%

packing check

磁magnetic stripe

read/write test

Hot-stamping

card counting

packaging/labelling

hologram

magnetic stripevariogramthermogram

sig.panel

security transportto customer

You can always contact us at:

Elatec Vertriebs GmbH:

Mr. Georg Eidenschink

4414 August 2009

Mr. Georg Eidenschink

℡℡℡℡: +49 89 46230710; ����: +49 173 3599253; @: g.eidenschink@elatecworld.com