MIGRATION TO SECURE PAYMENT

Transcription

1 MIGRATION TO SECURE PAYMENT Welcome PPC Card Systems B.V

2 Reasons for migration Prevent fraudulous payments Upgrade of the payment system Better up-time of terminals Introduction of value added features

3 Migration benefits Reduce fraud - secure Card Authentication Method that will reduce counterfeit losses. Better and faster customer service -Better service without reducing the effectiveness of risk control reducing operational costs. Off-line. Value-added features -new opportunities for revenue, such as pre-payment products, loyalty, data storage or access type products.

4 Changes and Upgrades Issuer side New data elements in chip authorization and clearing messages Take advantage of online card authentication by validating the cryptogram in the authorization message Use the additional information that is presented within an authorization message to make better authorization decisions Manage new elements in the database relating to the chip, such as risk parameters(optional for off-line transactions) Upgrade the card personalization process to generate and manage cryptographic keys and risk data Use extra clearing data to reduce exception conditions Acquirer side Upgrade networks to carry new chip data elements Enhance the terminal database to manage new data elements within the terminal Upgrade exception systems to use new information to reduce losses Manage cryptographic keys for card authentication If acquirer accept EMV payment cards, then changes and upgrades are not needed on the terminal side

5 Infrasctructure We keep all infrastructure in place

6 Chip card processing scheme Poprs.fuel Oil company or clearing house validation of card transaction Credit/Debit Bank/ Creditcard company. Validation of transaction 6

7 Card processing Mag-stripe card Chip-Card Mag-stripe card processing Issuer Chip card processing Card management system Data Validation Chip Data Validation HSM

8 Chip card security levels 1. Hardware security (physical level) 2. Access security (logical level) 3. Chip processing, enabling resistance to fraud. This includes: Card Authentication Method (CAM), which is to establish that the card is genuine and has not been altered or tampered with Cardholder Verification Method (CVM), which is to establish that the genuine cardholder is presenting the card Data authentication, which is to establish that critical transaction data is not changed after an approval has been given

9 Made by &

10 > Private company, working since 2006 located in Latvia, Poland, Kenya & expanding to Scandinavia > Experienced in payment card business and smart card dedicated solutions,- in average 12 year experience per each employee > Official distributor over 8 countries of DataCard (worldwide leader in payment card personalization solutions) > Up to now ~ 60 customers in 16 countries > Main focus - solutions for EMV & ID card personalization, data preparation, instant issuing, card mailing/sorting; > Other business directions - PCI DSS security, customer loyalty, gift cards, authentication solutions, multi-application card lifecycle management, card management solution implementation and support, info kiosks, payment terminals > Customizations to suit various customer needs, incl. work with different personalization equipment

11 exceet card group Solutions for: Banking Health Insurance Fueling Loyalty ID cards NFC OTA PIP

12 production plants Paderborn - capacity card production: 40 million cards/year Kematen - capacity card production: 260 million cards/year capacity card personalisation: 50 million cards/year (DOD) Munchen and Groningen secure fulfilment

13 Fulfilment sites Fulfilment production Paderborn - capacity fulfilment: 35 million mailpacks/year München - capacity fulfilment: 40 million mailpacks/year Groningen - capacity fulfilment: 15 million mailpacks/year Competence: EMV DDA/CDA, Seccos, NFC, Dual Interface ISO27001

14 Summary Long time experience Flexible attitude Fully licensed Back-up facilities Part of Exceet Group No nonsense organisation

15 conclusion PPC Card Systems partners in business