CardInk

Key Features

• Quickest data preparation solution: CardInk is extremely scalable, perfect for high-volume production and also suitable for small-scaled production environments
• CardInk is the most comprehensive EMV data preparation solution in the market
• CardInk is used by more than 100 customers across the globe
• HSM vendor and card platform independent: CardInk is the only major system which supports:
  • Globalplatform
  • Multos
  • Native, proprietary Chip Operating System (COS)
• Highly versatile through product templates
  • Easy to modify product templates
  • No limitation in the amount of data preparation products
• Multi-issuer and multi-card scheme support

CardInk is an EMV data preparation system, which off ers best-of-breed centralized data formatting and key management while maintaining flexibility to meet any card issuing environment (e.g. mag stripe, chip, single- and multiapplications, instant issuance, NFC). CardInk is implemented by bureaus, data processors and card issuers alike. CardInk comes with a user-friendly graphical application editor. With this, an operator can configure the TLVstructure of the data for individual applications based on built-in application templates. This feature makes it possible to design customized applications within the frameworks of the supported international standards. Parameterization of single- and multi-application smart cards is easily done through the concept of card profiling. It is possible to graphically design the data structure of a multi-application smart card by determining which
applications and default operational parameters to use.

Technical Specification

Applications supported

• MasterCard M/Chip, CAP, PayPass, Advance
• Visa VSDC, VSDC SDA & DDA (VIS), qVSDC
• AmEx AEIPS, Mag stripe & PIN, Expresspay
• EMV Common Payment Application
• BMS Monéo
• Discover D-PAS
• Diners
• Interac
• SAMA SPAN2
• SIA Bancomat
• China UnionPay

Platforms

• EMV
• GlobalPlatform
• MULTOS / MULTOS step one
• Native cards

Formats supported

• Tag-Length-Value (TLV)
• Common Personalization (CPS)

Security architecture

• AES protected network communication
• Access control via smart cards
• Secure audit log

Main Functions

• Card issuer flexibility – CardInk is suitable for in-house card production. The system offers security, stability, and low maintenance, and suits any card strategy.
• Card bureau flexibility – CardInk is the most versatile data preparation solution available imposing no limitation on the number of cards issued or issuers supported, hence guaranteeing a high return of investment. The system is easy to set up, which means that bureaus can instantly issue cards across a number of different issuers and payment brands.
• Key management – The core objective of CardInk is the management of cryptographic keys related to data preparation. All keys are handled in HSMs and CardInk providing secure import / export facilities. This applies to 3DES and RSA keys and includes end-to-end certificate management. CardInk supports certificate requests for application provider certificate authorities.