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

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.

Certifications MasterCard Visa Diners Club German Health Insurance Card Chipper DIN ISO 9001-2000

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

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

EMV Card Portfolio

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.

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

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 115.200 bit/s

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

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

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

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

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

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

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

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 (www.emvco.com).

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

PPC Card Systems GmbH Senefelderstraße 10 33100 Paderborn Germany u.kley@ppc-card.de