X Infotech Banking. Software solutions for smart card issuance

Transcription

1 X Infotech Banking Software solutions for smart card issuance

2 About X Infotech provides turnkey software solutions for centralized and instant issuance of financial and non-financial smart cards, both contact and contactless. Our solutions manage the complete lifecycle of a card ENROLMENT DATA PROCESSING PERSONALIZATION ISSUANCE POST ISSUANCE a bank branch collects customer data (including biometrics if necessary) the bank carries out customer data verification and data preparation a card is linked to the applicant s profile and account, designed and printed the bank issues and delivers the card to the applicant the bank provides post-issuance services for card use, support and renewal Our products Customer Identity Personalization Process Management Mobile Solutions Enrolment EMV Data Preparation Integration Services Payment Gateway Identity Management Key Management System Lifecycle Management Mobile Gateway AFIS/ABIS Chip Encoding SMS-Centre Biometric Verification Secure PIN Manager EMV Certificate Authority Production Management Instant Issuing Stock Management

3 Benefits & Customers Solutions Benefits Flexible Easy to integrate Hardware vendor independent Extendable functionality Secure and industry-proven Our Customers Banks: financial card issuance, biometric enrolment and verification Financial institutions: multi-application cards with payment options

4 Customer Identity ENROLMENT X Infotech Enrolment is a software solution for capturing customer data both demographic and biometric data (fingerprints, facial image and handwritten signature). The comprehensive solution supports relevant customer data collection for financial and non-financial card product issuance. It is also used to enrol customers for biometric authentication services. The efficiency of a biometric system entirely depends on the quality of the biometric data, X Infotech offers an integrated quality control component to capture high-quality biometric data in line with the industry standards and the best practices. Scalable enrolment to adjust the type of data captured and ensure compatibility with different biometric systems. Effective process control to lower the risk of human error (automated biometrics quality validation). Highly secured environment with data encryption and communication via secured communication channels. Flexible integration with a central application management system for data synchronization, validation and export. Vendor independent platform to give greater flexibility when selecting hardware. Standard Enrolment Process Customer data input Face photo capture Fingerprint capture Handwritten signature capture Selection of the PIN Creation of Enrolment record IDENTITY MANAGEMENT X Infotech Identity Management handles customer identity based on biometric data. The Identity Management solution consists of a biometric registry, a verification service to perform biometric verification 1:1 or 1:F and a capability to integrate with different biometric search engines and AFIS/ABIS systems. The Identity Management solution provides a graphical user interface (GUI) for identity managers who control and resolve identity conflicts (e.g. duplicated records, people with similar biometric data etc.). Flexible and configurable interface for identity management. Integrated data storage for various biometric modalities (e.g. face, fingerprint, iris etc.). Additional level of security against illegal access to sensitive data. Unlimited expansion possibilities to address evolving client needs for multi-modal biometrics and increasing biometric record volume. Vendor independent platform to give greater flexibility and deploy different biometric search engines in a single solution.

5 Customer Identity AFIS / ABIS X Infotech AFIS/ABIS is a biometric authentication solution which provides fast and precise identity checks on large scale biometric databases. The ready-to-use software solution provides effective means for identity verification and de-duplication control. It can process, search, store and retrieve biometric templates and records in real time. X Infotech ABIS is an extension of the Identity Management solution. Supporting multiple biometric modalities - fingerprints, face image, iris. High accuracy of matching algorithms ensured in a number of international projects. Scalable architecture to increase matching speed (up to fingerprints per second on server). BIOMETRIC VERIFICATION X Infotech Biometric Verification is a software platform that validates the identity of a client based on biometrics such as fingerprints, face recognition and dynamic signatures. Access rights to financial services are manually granted by an operator or processed through an application. The vendor-independent solution permits clients to deploy any technology or product for operator workplaces, mobile workstations or customer mobile devices. X Infotech Biometric Verification is integrated with the Identity Management solution that serves as a centralised biometric data storage facility and processes all verification requests. Flexible deployment to support verification of multiple biometric modalities. Scalable solution to adjust necessary data fields (personal data - ID number, document number etc.). Face liveness detection feature to ensure that the user is a real person. Additional level of security against illegal access to sensitive data. Compliance with legal requirements, industry practices and recommendations. Deployment Scenarios Mobile App for Android OS Stand-alone application for Windows OS WCF Service for external applications

6 Personalization EMV DATA PREPARATION X Infotech EMV Data Preparation performs data preparation for all types of EMV smart cards issued for international networks or local projects. The solution supports advanced smart card technologies - contact and contactless interfaces, mobile and multi-application environments, and post-issuance management of applications. X Infotech EMV Data Preparation receives card applications and cardholder profile data, keys and certificates from multiple sources. Prior to card personalization, data is checked and prepared according to a defined setup. A fully automated, high-speed data preparation solution to enable fast and easy card production. Flexible functionality to adapt and configure the solution according to customer-specific requirements. Compatibility with third parties to permit seamless integration with an existing environment and personalization system. User friendly interface to provide effective management of multiple card or personalization profiles. Batch Processing Data input and encoding separated by steps User case: high-end personalization machines and multiple personalization bureaus Single Step Data preparation and chip encoding in a single step User case: various personalization machines (desktop, mid-range and high-volume) KEY MANAGEMENT SYSTEM X Infotech Key Management System provides all the necessary functionality for secure generation, handling and transportation of cryptographic keys and certificates. The system manages highly sensitive objectives, in compliance with strict security standards. All cryptographic calculations are performed by dedicated crypto-processors built in a certified HSM appliance. Secure system to support centralized and highly secure management of cryptographic keys. Intuitive user interface to permit easy configuration, management and auditing. Deployment of Hardware Security Modules (HSMs) to protect sensitive objects and minimize any information loss or breach. Open standard architecture to enable and facilitate vendor interoperability. CHIP ENCODING X Infotech Chip Encoding receives input data from the Data Preparation solution and virtually carries out chip encoding according to a payment card s profile and following dedicated chip personalization routines. The solution is based on an open architecture, supporting any chip and personalization equipment. X Infotech Chip Encoding enables chip card personalization to be performed simultaneously on multiple small or large-volume personalization machines. Flexible infrastructure for easy system integration and configuration. Compatibility with third party vendors to support integration with an existing smartcard production platform. Extensive facilities to encode contact and contactless EMV chip cards.

7 SECURE PIN MANAGER X Infotech Secure PIN Manager is an all-in-one solution for PIN generation, secure printing of PIN envelopes and PIN Tabs as well as different modes for PIN distribution. The flexible infrastructure permits PIN distribution and synchronization between multiple systems. The PIN management solution implements strict access control and secured communication channels for data transmission. Secure system to provide multiple ways of PIN value generation. Flexible choice for PIN printing: remote or on-site facility. PIN block generation and encryption, supporting the best known PIN block formats. Compatibility with third party vendors to support different data preparation solutions. Remote PIN Printing PIN blocks are transferred to a separate branch for PIN envelope printing. Local PIN printing The bank or financial organization can immediately print PIN on site. EMV CERTIFICATE AUTHORITY X Infotech EMV Certificate Authority (EMV CA) is a root certification authority for issuing EMV smart cards on a local scale, without the necessity of interacting with such international payment organizations as VISA, Master etc. The software solution permits banks and financial institutions to build a dedicated in-house PKI environment for EMV compatible card issuance. Dedicated environment to issue local payment cards without an external certificate authority. Generation and storing of self-signed Root Certificates in a highly-secure environment. Certificate issuance for multiple EMV Issuers as part of a single or multiple payment scheme. PRODUCTION MANAGEMENT X Infotech Production Management enables banks, personalisation service bureaus and financial organizations to manage the complete production process of financial and non-financial smart cards. The modular system offers advanced monitoring and workflow management features, supporting the entire production lifecycle - data retrieval, data preparation, quality control, stock management and distribution management. The open and module architecture permits clients to extend and configure production flow according to their specific project needs and requirements from third party systems and hardware vendors. Complete production management of financial and non-financial cards - from data import to stock management and reporting. Production monitoring in order to control distribution of requests to personalization machines. Superior control of production status, card quality procedures and stock. Support for mag-stripe, contact and contactless chips, third-party equipment and systems.

8 Personalization INSTANT ISSUING In this highly competitive market, banks and financial organizations need to optimize processes and deliver new attractive, value-added banking services. Instant issuance is an example of how banks move from traditional issuance to card production directly in a branch or a card issuance office. X Infotech Instant Issuing is a complete software solution that consists of several X Infotech components (data preparation, card personalization, cryptographic processing and chip encoding) dedicated to instant card issuance in real time. The user-friendly interface permits operators to design and produce fully operable debit or credit cards within a few minutes, delivering maximum convenience and benefits for the end-user. Compliance with PCI DSS standards, Visa and Master security requirements for instant card issuance Flexible architecture for easy integration within an existing infrastructure and procedures Easy and simple to use system for instant card production Payment card production tracking to generate status reports at every step of the personalization process BENEFITS FOR END USERS Exceptional Customer Service Customers can customize their personal features (photo, co-branded logo) and receive the card immediately, reducing the risk of lost or stolen cards at the mailing stage. Instant Access to Funds Customers can activate and use the card immediately. When the card is sent by mail, the likelihood that the customer immediately starts using the card decreases. BENEFITS FOR FINANCIAL ORGANIZATIONS Increase in Turnover Instant issuance will likely increase a bank s turnover and maximize annual customer spending per each immediately issued card. Cost Optimization Instant card issuance guarantees cost optimization. There is no need for expensive encryption devices, high-volume personalization and mailing machines. STOCK MANAGEMENT X Infotech Stock Management provides complete tracking of blank, printed and damaged cards. The software solution is integrated with the Production Management and Instant Issuing solutions, providing numerous event registration facilities on each stage of card production. The system keeps a complete history of each movement between stock locations. The easy to use client interface provides functionality to import or manually input card products, manage consumables and stock locations. The solution ensures full compliance with strict regulations for card stock management. Flexible configuration for stock, workflow and products via graphical user interface, without programming. production tracking in real time by product type, customer, serial number, stock location, date or any custom product attribute. Complete stock tracking down to actual location and status of an individual card. Complete card movement audit log.

9 Process Management INTEGRATION SERVICES X Infotech Integration Services is a middleware module that links together banking systems and X Infotech products, acting as a coordinated whole. Integration Services enable banks to process collected client or card registration applications through various external systems in order to verify applications or add additional information before card personalization or client registration. Compatibility with other X Infotech products. Interaction with external repositories to augment or store applications. Support File, HTTP, SOAP, MQ, FTP, WCF interfaces. Centralised event log generation. This solution allows banks to connect X Infotech products to banking systems without making changes in existing interfaces. It also improves overall security, as distributed systems communicate with the central system through a single point. CARD LIFECYCLE MANAGEMENT X Infotech Lifecycle Management handles the entire lifecycle of smart cards, tokens and their applications, starting from data preparation and application personalization to post-issuance activities - issuing, re-issuing, blocking/unblocking, PIN reset and revocation of smart cards. The open and modular architecture gives clients unlimited flexibility to support present and future requirements new extensions and integrations with third-party solutions. Complete card lifecycle management from the application stage to post-issuance activities. Ability to interact via multiple communication channels. Multiple security mechanisms to control access rights, including follow 4-eye principle.

10 Mobile Solutions PAYMENT GATEWAY X Infotech Payment Gateway is an automated system for online payments, money transfers or any other operations based on payment processing. The software solution ensures that payments are securely processed and transferred by encrypting and storing sensitive data of financial cards. The X Infotech solution provides an unprecedented level of flexibility to interact with external payment systems, payments for mobile and internet services, traffic fines, theatre and cinema tickets, airplane and railway tickets. 24/7 system to virtually process payments in real time. Flexibility to deploy various terminal devices POS terminals, mobile devices, Web platforms and mobile channels SMS/USSD. Extensive operational capabilities to connect an unlimited number of banks and third-party companies. Modular architecture to expand the functionality without any interruption in the system. MOBILE GATEWAY X Infotech Mobile Gateway is an automated system for the provision of services via mobile communication channels (SMS, USSD) or Internet channels (XML or JSON requests). The software solution delivers multiple benefits to end-users, providing mobile access at any time and place. Mobile Gateway supports the deployment of mobile banking or other on-the-go services. Usually Mobile Gateway is supplied together with the X Infotech SMS Centre solution to perform business operations via mobile channels. Simple and fast information distribution via SMS and USSD messages. Capacity to deliver mass-mailing projects with guaranteed delivery. Extensive deployment facilities via mobile applications for Apple IOS, Google Android and Windows. Flexibility to support a wide range of incoming protocols (SMS/USSD requests via SMPP protocol, XML/JSON or SOAP protocols). SMS-CENTRE X Infotech SMS Centre is a short message service centre that handles SMS operations, such as routing, forwarding and storing incoming text messages. The software solution can operate either separately or jointly with X Infotech Mobile Payment Gateway to create a single system for message reception/delivery. SMS Centre solution has an extra functionality of over-the-air (OTA) programming that permits businesses to distribute new software, configuration settings or updates of encryption keys on mobile devices. Modular architecture to support new mobile technologies and services. Compatibility with third-party software to deliver a complete messaging system. OTA functionality to distribute software and configuration updates to millions of end-users.

11 Centralized Financial Production Process Customer apply for new Risk Assessment / Credit Evaluation Accepted Credit Limit Check Accepted Master File Creation Rejected Rejection Production Order to Producer used For purchase EMV Data Preparation Activated Dispatch Personalization Bureau Activation Delivery to Customer Body Production Instant Financial Production Process Customer apply for new Risk Assessment / Credit Evaluation Accepted Credit Limit Check Accepted Master File Creation Biometric Data Acquisition Rejected Rejection Production Order to Producer Pin Selection used For purchase Bank Teller Deliver card to Customer User Info database Personalization EMV Data Preparation Blank s Vault for Blank s

12 HEADQUARTERS X INFOTECH SIA Daugavas 38-3 Marupe, LV-2167, Latvia P F info@x-infotech.com