EMV is a global set of standards governing the interoperability of chip-based cards and terminals. This technical standard was created by Europay, MasterCard and Visa originally. Deltacom EMV Personalization solution offers the below
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The Instant Issuance modules are personalisation software dedicated to chip card personalisation of on personalisation equipment .Developed using fast C language all Electrical Personalisation Software modules come with a set of well designed, adequately ordered and secured commands that perfectly fit with the specific card personalisation requirements. Modules delivered are optimized to speed up the chip personalisation process while in the same time being as generic as possible to allow bureau to make as much modification as possible in the preparation phase while using the same Electrical Personalisation Software at the production stage. Electrical Personalisation Software modules interpret specifically formatted data that are contained in the personalisation equipment input file generated by the Data Preparation module. Receiving the command designed for one card profile (as identified by a BIN) and one application type (MasterCard Paypass or Visa MSD), the module parses the transmitted data and uses them to generate device compliant instructions sequences. Some of the data may have been encrypted during the preparation phase to ensure data confidentiality and require Electrical Personalisation Software module to interact with an external cryptographic module loaded with appropriate key sets. Same extra interface is used to communicate with a Key Management System to perform online cryptographic operation during the personalisation phase. These operations are specific to a card and/or an application and require some specific firmware to be uploaded in the Hardware Security Module. Each Electrical Personalisation Software is bundled with some particular cryptographic functions loaded in the HSM firmware and optimised for the card to personalise. The software comes also with a set of configuration files and pre-valued profiles to be loaded into the Data Preparation module for generation of appropriate production files.
Data Preparation (DP) module is designed to generate and manage all the data necessary for the personalisation of chip.
Thus, the data preparation module enables complete management of data dedicated to chip application, featuring not only data generation but also data manipulation capability, mapping of data into the card file structure and generation of production files that need to be sent to the personalisation devices. Input file importation is supervised by a dedicated component which extracts cardholder data from magnetic stripe track records and verifies integrity and consistency of transmitted information. In standard, Deltacom-DP module comes with an import component compliant with traditional embossing file. However, some custom components can be developed to manage bank specific formats. Data generation is controlled thanks to profiles containing specific parameters for a bank, a card type and card applications. At the end of the processing, cardholder data included in the input file are mixed with payment application profile parameters and are glued with the cardholder specific key set generated during key diversification and enciphering mechanisms. Card mapping is accomplished at the end of the data generation and is parameterised thanks to specific configuration files. Deltacom-DP comes with a set of pre-configured mapping files corresponding to the card list supported in the Electrical Personalisation Software package.
At the end of the process, the data preparation module manages the generation production files compatible with the personalisation device and containing information formatted for targeted Electrical Personalisation Software. Data preparation rely on an embedded hardware protected coprocessor to perform cryptographic operation purposes such as key generation, encryption – decryption and PIN management. All along the data flow, cryptographic data are securely generated and transferred thanks to HSM. Cardholder applicative keys are computed thanks to Deltacom-KMS module that stores issuer secret master keys.
Deltacom-KMS is a standalone module that embeds physical & and logical data into protected cryptographic card(s).
This security level guarantees that neither keys nor sensitive data are in clear outside hardware-protected tokens thus preserving cardholder data secrecy and information integrity during the complete issuance process. Thanks to key transfer protocols, all keys generated during preparation phase can be securely and remotely transferred from one Hardware Security Module to other one without any security breach. This module is accessed by the Data Preparation module to perform cryptographic operations related to the smart card personalisation process. This includes -but is not limited to- encryption and decryption operations, PIN translation operations, symmetric key generation and diversification and RSA key pair generation.
Deltacom-KMS comes with some functionality that allows its management and its configurations.