EMV FAMILY OF PRODUCTS - Morpho

PAYMENTEMV FAMILY OF PRODUCTS

THE EMV PRODUCT FAMILYAs part of the SAFRAN group, Morpho has a focus onsecurity. Decades of experience in research and developmenthave led to extensive expertise in designinghighly secure smart cards and solutions. All of ourproducts employ state-of-the-art technology to ensureauthenticity, integrity and confidentiality throughout thecard‘s lifecycle - beginning with the very first design specificationsand continuing until the end of its use.But security is not the only area ofoutstanding expertise at Morpho.Creating innovative and customercentricsolutions is also key. Morphoactively supports emerg-ing industrystandards and technologies fora reason: Standardization helpsreduce complexity for everydaybusiness, making room for new andinnovative ideas.A flexible but standardizedframework like the EMVspecifications is the basis forsuccessfully integrating newfunctionality into an existinginfrastructure. It is Morpho‘sstrategy to offer banks and businesspartners a complete and innovativeproduct portfolio for all types offinancial and added value chipprograms.We work closely with MasterCardand Visa to design our products tocontribute to market success bysupporting global, interoperablestandards.Having been the first to implementEMVCo‘s open approach tostandardized personalization -the EMV Card PersonalizationSpecification (EMV CPS) - on acost-efficient native card productwith EMV Lite Y in 2005, Morphohas continued to grow its familyof EMV CPS-compliant products.The members of the EMV Y familyfollow a joint design philosophy asdescribed below.

SECURING INVESTMENTSSTANDARDIZED PERSONALIZATIONThe EMV Card Personalization Specification (EMVCPS) defined by EMVCo enables card issuers andpersonalization bureaus to benefit from• educed costs and complexity through use of acommon data preparation and personalizationinfrastructure• simplified implementations for financial institutionsEMV CPS-compliant personalization processes likeMorpho‘s EMV CPS Personalization Software Suiteallow perso bureaus to run the same process topersonalize all EMV CPS-compliant products in theirportfolio-regardless of manufacturer, operating systemor application. In this way EMV CPS secures yourinvestments by minimizing setup costs and wideningthe choice of suppliers.SINGLE MASK CONCEPTMASTERCARD OR VISA - YOUR CHOICEAll products in the EMV Y range of products support thelatest payment applications from Visa or MasterCardon the same mask. This leads to efficient stockmanagement by reducing cost and lead times.FUTURE PROOFPOST-ISSUANCE APPLICATION DESIGN AND PERSONALIZATIONProducts of the EMV Y series offer issuers the ability todesign and personalize applications after cards havebeen issued. As a result, even cards in the cardholder‘swallet can be updated to support a loyalty systemintroduced at a later stage, thus avoiding costly reissuanceand allowing faster time to market.MULTI-PAYMENT & DATA SHARINGMembers of the EMV Y family of products supportthe secure sharing of data elements between multipleinstances of payment applications, allowing efficientmemory management by avoiding redundancies andgiving more flexibility in card design.ADDED VALUE APPLICATIONSLOYALTY, AUTHENTICATION AND MOREEMV Y series products offer a wide range of built-infunctionality, from the SmartyPlus Toolbox for applicationdesign to secure authentication methods and datastorage services. The highly customizable applicationfunctions allow support for almost any loyalty program.This includes the world‘s largest loyalty schemes suchas Welcome Real-time XLS. MasterCard‘s Card AuthenticationProgram (CAP) and Visa‘s Dynamic Passcode(DPA) are also part of the built-in application package.

PRODUCT OVERVIEWEMV PLUS YWhile fighting fraud has been the main driver for chipmigration, leveraging the EMV investment for improvedCRM (customer relationship management) and secureWeb services has increasingly become an important factorfor banks. EMV Plus Y has been specifically tailoredto support this, with a plus in functionality and flexibility.Key features at a glance• Standardized personalization according to EMV CPS• Single mask solution for Visa and MasterCard• Static Data Authentication• Data sharing• Multi-Application/AID• EMV-compliant• Flexible support for added value applications:- SmartlyPlus Toolbox (loyalty, data storage,physical access, eGovernment., ..)- Welcome Real-time capable• Supports CAP and DPAEMV TWOFOUREnjoy the ease-of-use provided by the brand new memberof the EMV Y family from Morpho: EMV TwoFour!EMV TwoFour is the perfect product when it comes tomigrating from M/Chip 2 to M/Chip 4. Thanks to theinnovative TwoFour feature of EMV TwoFour, upgradingfrom M/Chip 2 to M/Chip 4 does not require a completere-issuance of the the card base. EMV TwoFour supportsboth M/Chip Lite 2.1 and M/Chip 4 Lite specificationsfrom MasterCard.Key features at a glance• Support for VSDC, M/Chip 2.1 andM/Chip 4 supported on one chip platform• TwoFour feature: Post-issuance functionality toswitch from M/Chip 2.1 to M/Chip 4• Standardized personalization according to EMV CPS• Single mask solution for Visa and MasterCard• Static Data Authentication• Data sharing• Multi-Application/AID• EMV-compliant• Flexible support for added value applications:- SmartlyPlus Toolbox (loyalty, data storage,physical access, eGovernment., ..)- Welcome Real-time capable• Supports CAP and DPAEMV PRO YSecure authentication and data protection ensure thatfraud cannot become a factor in your business. DynamicData Authentication (DDA) and an EAL4+ evaluated(Commom Criteria scheme) operating system make EMVPro Y the product of choice when security really matters.Key features at a glance• Standardized personalization according to EMV CPS• Single mask solution for Visa and MasterCard• DDA, CDA and SDA• Data sharing• Multi-Application/AID• EMV-compliant• Post-issuance application loading and personalization• Flexible support for added value applications:- SmartlyPlus Toolbox (loyalty, data storage,physical access, eGovernment., ..)- Welcome Real-time capable• Supports CAP and DPA• EAL4+ evaluated (Common Criteria scheme)EMV PRO DIGITMorpho offers highly secure DDA-based solutions builtaround the latest EMV standards and industry specifications,The EMV Pro Digit eard also incorporates aflexible PKI application enabling easy and secureauthentication to added-value services like e-banking,online shopping and access eontrol with the option ofbiometrie authentication (Match-on-Card).Key features at a glance• Biometric MOC function• PKI application- Key generation on board up to 2048 bits- Functionalities of signature, authenticationand encryption- Cardholder authentication with passwordor biometric fingerprint• Common Criteria evaluated EAL4+• Visa and MasterCard certified• Standardized personalization according to EMV CPS• Single mask solution for Visa and MasterCard(M/Chip4 and M/Chip2.2)• DDA, CDA and SDA• Data sharing• Multi-Application/AID• Flexible support for added value applications:- SmartyPlus Toolbox (loyalty, data storage, physicalaccess)- Welcome Real-time capable• Support for CAP and DPAMorphoPhone: + 49 (0) 43 47 715 0 - Fax: + 49 (0) 43 47 715 2212 - www.morpho.com/e-documentsRegistered Offi ce: Morpho Cards GmbH, Konrad-Zuse-Ring 1, 24220 Flintbek, Germany