MAXxePIN platform is an innovative solution which provides bank or personalization bureaus a new, secure and environmentally friendly channel for PIN distribution. With MAXxePIN solution, PIN code is delivered by SMS/Mobile Application/Web to your customers, enhancing your services and increasing your customers’ satisfaction with an immediate PIN delivery anywhere, anytime, 24/7/365.This document the focus of this document is on the issuance of a PIN to a cardholder. This includes the initial issuance of PIN, and the reminder or re-issuance of a forgotten PIN. While other forms of non-paper PIN issuance exists, this document focuses on the use of SMS/Mobile App/ Web as a means for the cardholder to securely retrieve or select their PIN.
MAXxePIN platform is a simple, secure, seamless digital service for the banks. Mobility Digital PIN offer come up with all PIN possibilities, from the initial PIN Distribution (with a new card), PIN Reminder (to existing cardholders) and PIN Definition (choose a memorable code). Therefore, The PIN platform is provided under two modules which are PIN Distribution and PIN Definition. As per customer on boarding or card type the solution is feasible to be customized.
Mobility PIN Distribution is a service that allows cardholders to receive their PIN code in a secure, instant and convenient way. This can be done by using one of channel below.
* PIN by SMS
* PIN by APP API
* PIN by WEB
HOW DOES PIN DISTRUBTION WORKS?
PIN by SMS
1. Cardholder/customer applies for a payment card. An authentication code is defined.
2. PIN value is generated.
3. The bank adds the authentication code and a unique identifier to the current PIN value and forwards to PIN distribution system.
4. PIN data is encrypted and stored in a Secure Environment (SE) in the PIN distribution system.
5. Card is personalised and packaged for distribution.
6. Cardholder is instructed on how to use the service. These could be instructions printed on the card carrier or by SMS.
7. On receiving the card the customer sends an authentication code (and/or last 4 digits of card number) to a given number.
8. The PIN by SMS system will validate both the unique identifier and the authentication code. Should both match, the PIN will be decrypted and sent back to the customer via an SMS Gateway.
9. The PIN by SMS system will track delivery and the number of times the customer uses the service.
PIN by APP API
API service can be provided to mobile banking platform for integration. As mainly mobile app is already developed by bank, providing api might be opted for.
PIN by WEB
The Steps below is dependent of bank and it is possible to customize the flow.
1. Login to Internet Banking of Banking System
2. Click on the main menu
3. Select “Manage Cards” from the drop down list
4. Select the Debit Card / Credit Card you would like to generate PIN from Debit Card / Credit Card list Summary respectively.
5. Click on the “Select” icon in the Services column and select “Create PIN”
6. Internet Banking system Call MAXxePIN pages
7. When the “Create PIN” screen appears, select the reason for PIN creation and enter the expiry date and CARD CVV number* and then click “Authorise request”.
8. Enter the Authorisation code sent to your registered mobile number in the “Authorisation” screen displayed.
9. MAXxPIN system display the pin.
API service can be provided to mobile banking platform for integration. As mainly mobile app is already developed by bank, providing api might be opted for.
MAXxePIN KEY FEATURES
Instant Delivery
- ePIN via SMS can be instantly pushed or scheduled for delivery depending on batch model or full integration
Higher Security
- Logical separation from data server
- Physical separation from data server
- No data storing about user on server
- No card data storing for on server
- Encrypted pin inline with scheme compliance
Safer Distribution
- ePIN via SMS enables electronic pin delivery in line with Visa/MC scheme guidelines
- Avoid any risk of manual tampering in physical pin distribution
Real time MIS
- Successful retrievals
- Failed retrievals
- Fraud attempts
- Daily/Weekly/Monthly Status Report
MAXxePIN KEY BENEFITS
- Better Customer Experience without waiting for 2-4 days to receive physical pin
- Increased Transaction Volumes due to instant pin delivery allowing customer immediate use of the card received
- Environment Friendly – no paper wastage in case of 1st issuance or plastic/paper waste in case of lost pack.
- Cost Efficiency – highly cost effective vs conventional pin mailers
MAXxePIN MODULES
The MAXxePIN Engine is the core service based application which powers all the modules with required functionality like
− Schedule File Processing
− HSM interface for all the cryptographic operations
− Database interface for all DB related activities
− logging all the user activities / errors / trace
− Real time transaction monitoring
− User based access control management
− PIN Pad Management & PIN Generation
The MAXxePIN SFTP/WebServicesEngine enables the solution to support secure file transfer for batch mode and/or WebServicesfor instant secure record transfer to the platform.
− Secure File Transfer Engine communicates with Issuer’s SFTP sever and download files to local server for processing
− Secure web service can call by Issuer’s CMS for automated data push
− Secure web service can talk to Issuer’s CMS for automated data pull at stipulated intervals
− All the communication with the customer server / CMS is in encrypted manner
The MAXxePIN Data Parsing Engine Parse EMV Data based on card holder magnetic stripe data, issuer configurations.
Data Generation module has the features like …
− Managing Issuers and their products
− configuring Products and Keys
− Configuring PIN Distribution
− schedule automated
The MAXxePIN Key Management Engine enables key management in compliance to the scheme regulations and processes.
KMS silent features described below…
− User friendly GUI helps SO to perform their tasks
− Split knowledge & Dual control throughout
− Manages all the keys of magnetic-stripe and EMV
− Supports both static and dynamic key generation
− Simplifies implementation of HSM functionalities
− LMK Management
− Key Generate / Export / Import / Archive / Suspend / Activate / Delete in easy steps
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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.