INSTANT ISSUANCE SOLUTIONS

Transcription

1 FINANCIAL INSTANT ISSUANCE SOLUTIONS PERSONALIZATION & TECHNOLOGY GUIDE

2 ENHANCE THE CONSUMER EXPERIENCE WITH INSTANT ISSUANCE Today, consumers expect real-time services with anywhere-anytime access to accounts and payment products without compromising security. Financial card issuers that want to differentiate their services to meet these consumer demands are moving towards instant issuance which allows banks, credit unions and retailers to put permanent personalized cards in consumers hands instantly. Instant Issuance Benefits for the Consumer Instantly receive an activated credit or debit card at account opening Same-day emergency card replacement for lost, stolen, damaged or compromised cards Instant purchasing power Instant Issuance Benefits for Issuers Increased card activation rates and instant revenue Reduced card mailing costs Enhanced customer experience BANK Customer visits a branch location Branch CSR takes application or account information confirms identity 3 Desktop printer produces activated card Customer walks out with full purchasing power

3 TABLE OF CONTENTS Retransfer Technology Overview p. 3-4 Direct-to-Card Technology Overview p. 5-8 Portfolio of Instant Issuance Systems p. 9 Beyond Printing Personalization Features p. 10 Glossary p

4 RETRANSFER TECHNOLOGY Innovative retransfer printing technology maintains consistent, superlative print quality by printing separate layers of cyan, magenta, yellow, black and/or a spot color on transparent retransfer material, then transferring the composite image to the card using heat and an adhesive. This process allows for true over-the-edge printing, and is ideal for smart card issuance as retransfer printing easily accommodates the irregularities in the card surface (such as the contact chip) while maintaining print quality. Card Stock Retransfer Material Yellow Magenta Cyan Black Unique Image On-Demand Retransfer Printing Advantages Faster Time to Market: Bring high-quality, full-color designs to market dramatically faster than with traditional lithography. Flexible Card Options: Print on a wide range of card types, with contact or contactless smart chips, or onto cards with irregular surfaces. Eliminate Costly Pre-Printed Inventory: Particularly valuable when managing the EMV transition; small on-demand runs of EMV cards eliminate the need for large overhead investments of pre-printed cards. RETRANSFER PRINTING SAMPLES Beginning Card Stock 3

5 Beginning Card Stock Samples produced with the Datacard CR500 instant issuance system. Beginning Card Stock Datacard instant issuance systems and the Datacard CardWizard issuance software can support production of vertical card designs. 4

6 DIRECT-TO-CARD TECHNOLOGY Personalize cards with full-color images and text and near-edge-to-edge coverage using direct-to-card technologies that deliver exceptional consistency and print quality. Direct-to-card printing including monochrome graphics and dye diffusion thermal transfer printing technology (D2T2 printing) uses a thermal print head that brings three-color (Y, M, C) dye ribbons in direct contact with the card. As the most common process for full-color card personalization, D2T2 printing enables you to add your logo, cardholder photo or other graphical elements to pre-printed cards or start from scratch and turn blank white cards into colorful, branded, high-impact cards. Yellow Magenta Cyan Direct-to-Card Printing Advantages Exceptional Consistency: Reliable performance delivers high-quality cards in vibrant color again and again. Flexible Integration: Direct-to-card technology is designed to fit with a wide variety of Datacard systems. Highly Cost-effective: Low-cost supplies and high throughput delivers outstanding cost-per-card. 5

7 DIRECT-TO-CARD PRINTING & EMBOSSING SAMPLES Beginning Card Stock This card features embossing with silver topping foil Sample produced with the Datacard CE870 instant issuance system As another option, BIN number and good thru text can be pre-printed with a lithographic printer Beginning Card Stock This card features embossing with silver topping foil Sample produced with the CE870 system This design can also be produced with flat personalization features using monochrome printing technology on the Datacard CD820 instant issuance system As another option, BIN number and good thru text can be pre-printed with a lithographic printer 6

8 DIRECT-TO-CARD PRINTING SAMPLES Beginning Card Stock This card features one-of-a-kind silver (STKT) ribbon Sample produced using the CD820 system BIN number and good thru text can be pre-printed with a lithographic printer as another option Beginning Card Stock Sample produced using the CD820 system This design can also be produced with embossed personalization features and topping foil using the CE870 system 7

9 Beginning Card Stock Sample produced using the CD820 system This design can also be produced with embossed personalization features and topping foil using the CE870 system BIN number and good thru text can be pre-printed with a lithographic printer as another option 8

10 PORTFOLIO OF INSTANT ISSUANCE SYSTEMS Technology CR500 CE870 CD820 FP65i Retransfer Printing: Dye-Based Monochome Graphics Dye Diffusion Thermal Transfer (D2T2) Printing Basic Topcoat Embossing Rear Indent Smart Card Personalization Magnetic Stripe Encoding 9

11 BEYOND PRINTING OTHER KEY FEATURES Datacard issuance systems offer a full range of personalization capabilities in addition to the printing technologies covered in this guide. While there are dozens of existing and emerging capabilities, the following represent some of the most common personalization technologies: Magnetic Stripe Encoding Datacard systems allow issuers to encode high- and low-coercivity magnetic stripe cards. The process is fast, secure and highly accurate. Smart Card Personalization As EMV chip technology becomes the global standard for credit and debit payment cards, issuers must consider its impact on various aspects of the issuance process. Datacard systems allow issuers to personalize both contact and contactless EMV chip cards, greatly increasing card security and functionality. Durability Durability is an important consideration in maintaining the appearance and life of a card. Depending on the application, intended lifespan and card use, Entrust Datacard offers a complete line of protective topcoats, overlays and laminates to meet your needs. Embossing and Indenting Classic embossing technologies add security to cards, making character alteration virtually impossible without clear evidence of tampering. Datacard systems utilize proven embossing technologies honed through more than 45 years of card personalization experience. Security Features Datacard instant issuance systems include state-of-the-art security features that meet Visa and MasterCard security standards and provide investment protection. Dual-control access to the card issuing system protects card stock, supplies and rejected cards. Sensitive data is protected from unauthorized interception during network transmission with SSL/TSL encryption. In addition, built-in card auditing features reduce the risk of fraud. 10

12 GLOSSARY CMYK Process The use of four colors (cyan, magenta, yellow and black) to give the illusion of a wider range of colors Contact Chip An integrated circuit (IC) that requires contact (via contact plate) to exchange data with a reader or writer Contactless Chip An embedded internal circuit and antenna in a card substrate that can be read and encoded by devices in close proximity vs. direct contact Dye Diffusion Thermal Transfer A digital print process (D2T2 or dye sub ) that uses three- or four-color ribbons containing dyes Embossing A punch-and-die technology that alters cards by creating raised letters and characters EMV - An international standard for smart credit cards that have a built-in CPU chip Indent Printing A punch-and-die technology that alters cards by embedding letters and characters Instant Issuance The creation and distribution of cards, tokens and other documents in a branch or store location; also referred to as branch, onsite or distributed issuance Lamination The process of adhering protective layers (laminates) together, which requires a thermal adhesive or uses the natural properties of the polymer and the surface of a card (or other substrate) Lithography Often referred to as litho, this is a traditional printing process that employs printing presses and a protracted production process 11

13 Personalization The transfer of personal biographical data onto a customized plastic card, token or other document Pigment A colored material that tends to be insoluble in its vehicle (dyes are soluble); often more durable than a dye Retransfer A digital printing refinement where the image is first printed to a carrier material before being retransferred Topcoat A thin (generally, two- to three-micron thick) protective film on the outer surfaces of a card; cannot be removed intact, thus providing tamper evidence and over-the-edge coverage Topping Colored foil material applied to embossed characters during the card personalization process to make them easier to read and more attractive 12

14 ABOUT ENTRUST DATACARD Consumers increasingly expect a consistent omni-channel experience. Entrust Datacard empowers financial institutions to deliver this experience with solutions and expertise that create trusted identities and secure anytime-anywhere transactions in an increasingly connected world. From industry-leading central issuance solutions to more than 4,500 successful instant issuance deployments worldwide, our solutions are used to issue and manage the majority of the world s financial cards, and our authentication software secures more than 400 billion transactions annually. Our 45 years of industry-leading expertise and experience spans the globe, with more than 2,000 employees serving customers in 150 countries worldwide. For more information, visit AMERICAS & HEADQUARTERS Shakopee, MN Phone: info@entrustdatacard.com ASIA PACIFIC Hong Kong Phone: asiapacific@entrustdatacard.com Entrust Datacard, Datacard, TruCredential, DuraGard, OptiGram, OptiSelect, OptiExpress, DuraShield and the hexagon design are trademarks and/or services marks of Entrust Datacard Corporation in the United States and/or other countries Entrust Datacard Corporation. All rights reserved. Specifications subject to change without notice. FS EUROPE, MIDDLE EAST & AFRICA Hampshire, UK Phone: +44 (0) uksales@entrustdatacard.com