1. EMV solution for Romania 22. February 2005
Uwe Kley
PPC Card Systems GmbH

2. About PPC PPC Card-Systems is located in Paderborn, Germany since 1989
PPC Card Systems GmbH – facts
PPC Card-Systems is located in Paderborn, Germany since 1989
There is a second plant in Groningen in the Netherlands.
100 employees are working in card production, personalization and mailing services.
Annualy 40 Mio. plastic cards are produced, personalised
PPC Card-Systems is part of the Eppé-Group, France.
Since 2000 PPC is together with our partner supercard on the Romanian market
Over 8 Mio. plastic cards have been produced for Romania since that time.

3. Certifications MasterCard Visa Diners Club
German Health Insurance Card
Chipper
DIN ISO

4. Moving to EMV is a new Challenge for banks, card manufacturer and processors

5. Why migrate to chip? Reduce fraud Enhance credit control
Reduce operational costs
Platform for added value services

6. EMV Card Portfolio

7. Mastering the Challenge
While combating fraud banks increasingly look for an economic solution that is affordable yet advanced in terms of technology.
EMVLiteY is one answer.

8. Advanced Technology EMVLiteY builds upon
Open the door to EMV with EMVLiteY
Advanced Technology
EMVLiteY builds upon
open standardized personalization
single mask concept
the latest EMV, MasterCard and Visa specifications
fast 16 bit processor

9. Hardware Facts Renesas AE420 16 bit processor 5k EEPROM 64k ROM 2 kRAM
Open the door to EMV with EMVLiteY
Hardware Facts
Renesas AE420
16 bit processor
5k EEPROM
64k ROM
2 kRAM
3DES
up to bit/s

10. Efficient Security EMVLiteY offers efficient security
Open the door to EMV with EMVLiteY
Efficient Security
EMVLiteY offers efficient security
Static Data Authentication (SDA)
Offline PIN + Online PIN
Risk Management

11. Features - Cardholder Verification Methods
Open the door to EMV with EMVLiteY
Features - Cardholder Verification Methods
To minimize fraudulent transactions especially in offline environments EMVLiteY supports
Online PIN
Signature
Offline PIN

12. Features - Single Mask Concept
Open the door to EMV with EMVLiteY
Features - Single Mask Concept
EMVLiteY supports the latest specifications for
VSDC
M/Chip Lite 4
M/Chip Lite
VSDC
Initialization
Implementation
Personalization

13. Features - Open Personalization Standards
Open the door to EMV with EMVLiteY
Features - Open Personalization Standards
EMVLiteY follows an open and standardized personalization approach supporting
EMV Card Personalization Specification
M/Chip4 Common Personalization Specification
Common Personalization Technical Requirements for VSDC
Global Platform Scripting

14. Supported Specifications
Open the door to EMV with EMVLiteY
Supported Specifications
M/Chip4 Card Applications Specification for Debit and Credit V1.0
Visa Integrated Circuit Card Application Specification 1.4.0
EMV 2000
EMV Card Personalization Specification V1.0
M/Chip 4 Common Personalization Specification
Common Personalization Technical Requirements for VSDC
GlobalPlatform Card Customization Guide
GlobalPlatform Systems Profiles Specification
GlobalPlatform Systems Scripting Language Specification
Guide to Common Personalization Load and Personalization

15. Ready to be used Open the door to EMV with EMVLiteY EMVLiteY
Visa approval March 2005
MasterCard approved February 2005

16. Limitations of proprietary personalization
Secure investment with standardized personalization
Limitations of proprietary personalization
Limited to a specific product
Depending on specific card manufacturer
Integrating a new product means developing a new personalization process (worst case: completely new!)
High set up costs
Limited flexibility
Limited choice of suppliers

17. Introduction to EMV CPS
Secure investment with standardized personalization
Introduction to EMV CPS
EMV Card Personalization describes a common approach to Smart Card Personalization.
The main targets of EMV Card Personalization are:
lower set up costs
faster time to market
greater choice of suppliers
EMV Card Personalization can also be used for Non-EMV Applications.
The approach is based on the Visa Common Personalization Specification and described in EMV Card Personalization Specification, published by EMVCo, LCC (

18. Wider choice of suppliers
Secure investment with standardized personalization
Advantages of EMV CPS 2/2
One personalization process for all product and types
Minimized development efforts for product integration
Exchangeable components
Independant of supplier
Minimal set up costs
High flexibility
Wider choice of suppliers

19. PPC Card Systems GmbH
Senefelderstraße 10
33100 Paderborn
Germany