Zaxus has extended the capability of its Personalisation Preparation Process card issuance system in addition to Visa Smart Credit Debit and Visa Cash smart card applications. The new P3 system from Zaxus now supports a wider range of chip card applications with the flexibility to offer a range of different products to suit a variety of customer needs including M/Chip Select and M/Chip Lite applications. M/Chip Select is the MasterCard/Europay full credit/debit implementation based on the MULTOS multi-application card. M/Chip Lite is the MasterCard/Europay entry-level credit/debit scheme that is based on a single application low-cost smart card.
Aimed at the new breed of multi-application smart cards, the P3 system allows card issuers to use platforms such as MULTOS and Visa Open Platform (VOP) as the basis for new ranges of card applications. Issuers are no longer limited to single application cards, P3 from Zaxus allows issuers to load a number of card applications side-by-side and possibly even retail chains to load loyalty applications as well.
The introduction of multi-application cards, such as debit/credit and electronic purse, and the new applications for smart card-based schemes require the migration from magnetic stripe to smart card. This has already commenced with pilot schemes and continues with full roll-outs, each with its own infrastructure requirements for producing fully personalised magnetic stripe, smart cards and now multi-application cards.
However, to make use of these new cards a whole new application independent card issuing infrastructure is necessary so that smart cards and new multi-application cards may be brought on-line quickly. The P3 system from Zaxus provides a cost-effective migration path for the emerging card industry, allowing issuers to move into pilot schemes or full roll-out programmes for single or multi-application smart cards by reducing or eliminating the need to change existing card issuing systems.
Allowing service providers to carry out trials of smart cards applications without large investment, P3’s extended product range now offers a ‘Pilot’ system. This is a low-cost, time-limited version that will appeal to those issuers that are keen to carry out assessment trials with low numbers of smart cards before committing to full roll-out.
Now also offering higher card throughput rates, P3 capitalises on the improved performance provided by interconnection to the higher speed Zaxus RG7100 Ethernet host security modules.
Zaxus, a Thomson-CSF Racal company, provides e-business security solutions to several thousand customers worldwide. Over half of the world’s banks, together with the majority of the busiest stock exchanges, currently use Zaxus technology. Operating in three main markets — card payments, e-security and network security — Zaxus addresses the business security needs of corporates and governments alike. For more than 20 years the company has been at the forefront of security and payment technology, co-operating and contributing to set the industry standards used for financial transactions and electronic commerce globally.
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The P3 system is designed to provide card issuers with a ready-made way of migrating from magnetic stripe cards to smart cards. Aimed primarily at the payments card industry, it offers the ability to generate data for credit/debit and electronic purse payment cards. Using P3 reduces or eliminates the need to make changes to the issuer’s host system thereby reducing implementation costs and timescales.
The P3 system produces data in a format that is widely used in the card industry and is compatible with the popular DataCard 9000 personalisation systems.
Ideal for operation in both personalisation bureaux or in-house by card issuers such as banks and similar institutions, P3 generates and maintains the cryptographic keys required for the secure personalisation of cards. This includes the exchange of public key certificates with the scheme Certification Authorities (CA) operated by Visa, MasterCard and Europay. P3 systems also support the generation and transfer of DES keys to and from card suppliers and personalisation systems.
P3 is a stand-alone, PC-based application for a Windows NT platform and uses the Zaxus RG7000 series of Host Security Modules (HSMs) to provide security functions. The HSM carries out all of the cryptographic functions required by P3. It is a tamper resistant device that allows asymmetric keys (RSA) of up to 2048 bits and symmetric keys (DES) to be stored securely without risk of exposure.
Maintaining a high degree of security, all keys, certificates and confidential information stored on the P3 database are encrypted before storage and can only be decrypted by the HSM attached to the P3 system. In addition, the HSM’s cryptographic functions are used to ensure the integrity all of the data generated by P3. This is achieved through the use of conventional Message Authentication Codes (MAC).Details