MAXxEMV Instant Issuance SaaS Solution is a comprehensive personalization solution designed to easily manage magnetic stripe and chip card personalization of multiple issuers in the branch in compliancy with MasterCard and Visa security recommendations as well as PCI DSS/PCI CP Security standards by proposing a unique approach is compatible with industry regulations. MAXxEMV Instant Issuance SaaS are made of three layers/factor which are Mobility Data Central (HUB), Personalization Bureau and Issuer/Satellite.
Mobility Data Central (HUB) has role of supervising all Personalization Bureaus. The bureaus are connected passively to Mobility Data Central to only get or send setup/configuration related parameters. Mobility Data Central (HUB) stores non sensitive data included tracking information about conducted activities came from Personalization Bureaus. In addition, The EMV Data generation or personalization of card on Issuer/Satellite processes are not on scope of work driven by Mobility Data Central. Personalization Bureau manages entire card personalization process from the reception of the card requests from Issuer Card Management Systems (CMS) to in-branch card personalization using desktop personalization printers.
Mobility Data Central or Personalization Bureaus high level are built of 3 Zones which are as following:
• Zone 1 (DMZ /Frontend system)
• Zone 2 (Central Base/Backend system)
• Zone 3 (Key Management system)
Frontend system on Personalization Bureaus holds connection to the banks and runs on Zone 1 /DMZ network and it functions in the role Connection Receipt Server or/and control network traffic. On the other side, The Frontend system on Mobility Data Central has connection to Zone 1 of Personalization Bureaus.
Central Base (Backend) on Personalization Bureaus does a real time data preparation and is connected to Key Management System to generate EMV data and it runs on Zone 2.
Zone 3 is a standalone Key Management area that key injection, export and import activities can be performed. Zone 3 is an offline system and it is not connected any network.
At the end of the data generation, Personalization Bureaus Central give services to multiple issuers and generates, and stores securely, ready-to-use production data for each issuer and process is hosted in at its PCI CP Certified Center. In the branch, authorized clerks log on to a satellite application, select the cardholder’s name to produce a card for, and click a button to start magnetic, optical and chip personalization on a desktop personalization device.
KEY FEATURES
- Enables Instant Customer Enrolment
- Requests CMS to generate card data instantly
- Allows Card Holder to select his PIN
- Increases the probability of Card Holder activation thus resulting in instant usage
- Increases customer satisfaction by offering a one visit process of customer onboarding to issuance of card
- Strong use case for New To Bank customers as well as for existing customers offering Emergency Card Replacement or Re-Issuance on demand
- Ideal for banks looking to optimise process and cost at the same time – reduces issuance TAT and cut down cost of postage for both card and pin mailers and risk of return mails
KEY BENEFITS
- Simple and Easy Use
- Resource Access Control
- Issuance Controls
- Activity Logs
- Operational Process Flow
- Operational Controls
- Reduced Wastage/Errors
- Flexibility & Scalability
- Enhanced Customer Experience
- Instant Activation/Verification
- Instant PIN Selection
- EMV Workflow Process Management
- Multi-Scheme Support
- EMV Personalisation Machine agnostic
- EMV OS/Chip agnostic
- EMV compliant Key Management
- Secure EMV Data Preparation
- EMV Quality Assurance and Validation
- Multi-application personalisation support
- Multi-sector support
MAXxEMV IIS SAAS MODULES
The MAXxEMV IIS Bureau System are layered under 3 Zones to provide services which are to be compatible with PCI DSS or PCI CP procedures. Software solution components on Zone 1 are responsible for role of Receipt Server/Traffic Controller. Central Base Modules runs on servers within Data Center on Zone 2. The Central Base is designed with a specific set of services to securely manage real-time decentralized card issuance. Modelled with security in mind, Central Base relies on a combination of security principles to ensure end-to-end data encryption, preventing cardholder data to appear in clear during the entire card issuance process. The software architecture contains the following components within Central Base location.
MAXXEMV IIS CardPro is module communicates to MAXxEMV Issuer Satellite Application (which is connected to personalization equipment in the bank’s branches). Card Pro modules is responsible to send and receive APDU commands which is required for chip personalization. This module as it serves behind DMZ on Zone 2 doesn’t have a direct access or communication to the Satellites.
MAXXEMV IIS DataPro module is developed for the EMV data preparation, key and certificate management system and it operates to generate signed EMV tags ready for card personalization.
This is implemented to secure the whole chip card production process from the data generation to the personalization of cards including the transmission of keys. It provides security and convenience at the same time to ensure the quality of the personalized chip card product and a smooth production process.
MAXxEMV IIS CMS Web Services is a specific software module runs on CCS (WEBS) that has a role of interfaces between Central Base and the Issuer’s CMS (Card Management System) system. MAXxEMV IIS CMS Web Services is accessible only through DMZ (Reverse Proxy) and it functions on Zone 2.
It was basically developed to get Instant Related Data from CMS or to push data to CMS for updating of card holder specific information like PIN. The communication channel between CMS and MAXxEMV IIS uses either SOAP based messages through web service model or file based communication. Sensitive data during the transfer between MAXxEMV IIS CMS Web Services and CMS encrypted are always encrypted and protected with HASH for secure transmission.
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MAXXEMV products have been developed by A specialized Tech Research and Development company( MobilityPay) which has a vision of developing innovating solutions for various sector verticals including Banking, Retail, Transport and Security. MAXxEMV Team tries to caters all needs in the space of Mobile Financial Services, Security,EMV, SmartCard , RFID, Loyalty and GPS based Solutions.