Multos International in ChinaMultos International in China
Richard Cusson – Managing DirectorTianbin Chen – Sales Manager
Agenda
1. Multos International in a few words
2. Case Study
3. MULTOS and China
4. What we like about MULTOS
Our mission
Our Worldwide Mission:– Technology partner to plastic card manufacturers.
Our Role in China:– Offer the market a World-Class Open Platform alternative.
China is too big and too important to be limited toChina is too big and too important to be limited to One Open Platform !
Multos International in a few words
L di i l t & d l f MULTOS d tLeading implementer & developer of MULTOS productsDevelopment and sale of chips/modules and associated services (key management training consulting )services (key management, training, consulting, …)Distribute products through 38+ card manufacturers– Large partners are G&D, Gemalto, OCS, Morpho, CPI.
Over 250 million banking cards use our technology– 70% of MULTOS volume worldwide
(Previously known as Keycorp)
Multos International’s roleEMV supply chain made easy
Applications
Data preparation
Operating System
Key management
Blank plastic
Card manufacturing
Smartcard module
Card manufacturingPersonalization
Finished cards
Silicon chip
Multos International
Silicon chip
Smartcards and Applications Range
Schemes Taiwan ECC
C SDA
8K
16KContact
32K Mar 2012
8K
18KDDA 18K
36K
12K M 2012Dual I/F
DDA
12K Mar 2012
20K
36K36K
Other issuer-specific payment products are also available – please consult your sales representative for detailsyour sales representative for details Note: Only select scheme certifications shown in table above
Our Business Philosophy
Issuer-centric approach
Low Total Cost of Ownership
Unrivaled FlexibilityUnrivaled Flexibility
EMV made easyy
Innovation
Mexico - BanamexThe requirement:
MasterCard and Visa.
Multiple card suppliers (>15m cards)
Easy upgrade to perso system
From SDA to DDA or/and to Contactless in the futurefuture
Reduce card perso timeReduce card perso time.
Mexico - BanamexThe solution:
Chose MULTOSAll credit and debit cards to this new chip pplatformUpgraded their dataPrep/Perso within days.pg p yPerso time from 21s to 3s/ card. Source their MULTOS products from CPI, G&D, p , ,Gemalto, Inteligensa, Oberthur. Implemented a NFC/DI project in less than 2 months.
Mexico - BanamexThe Learning:
Flexibility provided by the card operating system is very important.Range of products and the ability to add new products with the same perso set up was key.Perso speed is important and can provide significant savingsAllowed easier setup of backup perso site (to 3rd party) for Business Continuance Plan (BCP)
Today: 100% MULTOSToday: 100% MULTOS
Saudi ArabiaThe Requirement:
Local SPAN Debit, as well as Visa and MasterCard
Freedom of choice for associated BanksTo implement value-added applications An open supply model.
Wanted to strengthen local card manufacturers ability to produce quality product.
Saudi Arabian Monetary Agency (SAMA) did Global RFP to select chip card platform.
Saudi ArabiaThe Solution:
Only considered smartcards OS that could accommodate multiple applications.
Chose MULTOS as the primary platform.
Used MULTOS as the basis for developing all specifications from certification to card production.C b di f th l l SPAN D bit f ll iCo-branding of the local SPAN Debit for all in country transactions, with either MasterCard M/Chip or Visa’s VSDC for internationalM/Chip or Visa s VSDC for international travellers.
Saudi Arabia
A Central Bank certification centre establishedThe Learning:
A Central Bank certification centre established to certify EMV cards, terminals and persosystems for the country’s infrastructure.y yBack-end and acquiring readiness are what’s most challenging.In a new EMV country, lots of support is required from the technology supplier to set up local manufacturing capabilityEasy to develop new applications on an Open Pl tf M i iti idPlatform. Many universities now provide smartcard development courses.
Open Platform share: 70% MULTOS, 30% JavaCard.Native: No
Partners, key to our success in China
Multos International has made great achievements with global and local card manufacturers outside China.g
With rich experiences of EMV migration and advantages of M lt t h l M lt I t ti l d i t k ithMultos technology, Multos International desires to work with global and local partners to succeed again in China.
BCTC certification of PBOC application
BCTC Certifications & Debug tests including:– PBOC2.0 Debit/Credit IC Card Type Approval
JETCO IC C d T A l– JETCO IC Card Type Approval– Contactless IC Card (qPBOC/MSD) Type Approval– Contact and Contactless PBOC2 0 Debit/Credit + eCashContact and Contactless PBOC2.0 Debit/Credit + eCash– IC Card Personalisation
Ready with both a Contact and a Dual Interface productReady with both a Contact and a Dual Interface product
PBOC Application on MULTOS
Developed by Multos International
Compliant to PBOC2.0 2010
SDA/DDA/CDA
Protocols: T=0 and Type A (for dual interface card)
Supported Configurations:Supported Configurations:– Contact PBOC Debit/Credit– Contactless PBOC Debit/Credit– Contact eCash– Contactless eCash– qPBOC and MSD– JETCO
Offer to ChinaTo the Issuers:
Open, multi- application platformp pp pPrice competitiveLimiting risks - diversificationAbility to do more:– Post issuance, Instant issuance, Bug-fix on cards
New innovationsNew innovations.
To the Partners:Certified products.Competitive pricingL l t h i l tLocal technical supportLarge product range.Free applicationsFree applicationsAbility to differentiate
What we like about MULTOS (1/3)
High security– Highest security level ever achieved
Interoperability– Guaranteed by the Type approval process
Stability (proven)– Hundreds of millions of EMV cards powered by MULTOS
Cost effective– Smaller chips, faster personalisation
Easy to implement– 38+ card manufacturers distribute it worldwide
What we like about MULTOS (2/3)
Instant / post issuanceInstant / post issuance – Unique capabilities
Multi-sourcingMulti-sourcing– Ability for the Issuers to multi-source
Fits all payment schemesFits all payment schemes– CUP, MasterCard, Visa, Amex, Diners, JCB, …
Multi applicationMulti application– And complete separation between applications (firewalls)
Leading NFC products / speedLeading NFC products / speed– Over 30 issuers issuing our MULTOS NFC products
What we like about MULTOS (3/3)
High securityInteroperabilityStability (proven)Cost effectiveEasy to implementy pInstant / post issuance Multi-sourcingMulti-sourcingFits all payment schemesMulti applicationMulti applicationLeading NFC products / speed
Perfect for your Banking needs
MULTOS Easy MicroSD Provisioning Customer
purchases MicroSD from
Issuer’s Central Secure Trusted Environment
retailer or sent by Bank
Insert into smartphone&
InternetCard / Content Management System
ChinaMULTOS
KMABank dataprep system
b ild li d d
download M-App fromappstore
Customer chooses B k id f M A
M-App connects tochosen Bank instant issuance system
builds personalized app and loads to MicroSD device
Mobile phoneBank provider from M-Appscreen
Mobile phone is now a contactless payment device
Th k YThank You.
Richard CussonManaging [email protected]
[86] 1862 153 3037
TianBin ChenSales [email protected]
86 13501170705+[86] 1862 153 3037 +86 13501170705