TranzWare Card Factory

An advanced EMV-compliant card personalisation and issuing product

enabling timely and cost-effective response to market demands.

With ever more diverse card types available on the market, increasing volume of card
transactions and soaring levels of fraudulent activity, a secure, effective and flexible card
personalisation system is a must. Whilst magnetic stripe cards are still in circulation,
smart card technology is not only up and running but is on the way to replacing mag-
stripe cards. EMV (Europay, MasterCard and Visa) has become the industry standard
for chip cards. It defines the standards for many aspects of chip card deployment,
including the visual appearance of a card, hardware and software for POS-terminals,
personalisation, cryptography, transaction processing algorithms etc. As with magnetic
stripe cards, one of the key components of EMV technology is card personalisation and
issuance. However, ensuring that these procedures are EMV-compliant requires heavy
investments on the issuers’ side.

TranzWare Card Factory is a refined card personalisation and issuing solution specifically designed to drive the costs of EMV
card personalisation and issuance down, therefore, enabling card issuers to satisfy the demands of any market in a cost-
effective, efficient and secure way.

The product offers a staged approach to card personalisation and provides comprehensive support for data preparation, card
personalisation and issuing of EMV as well as magnetic stripe cards, all integrated into one expedient system. The staged
approach to card personalisation and unlimited near-linear scalability allows TranzWare Card Factory to be efficiently deployed
at small banks with a small scale issuance as well as at personalisation bureaus, multi-branch banks and independent
organisations serving several banks practicing large-scale card personalisation and issuance. TranzWare Card Factory also
offers the possibility of setting up a personalisation centre with distributed workstations providing encrypted data exchange
between them.

Personalization Cryptographic Clear PINs

job file operations

Personalization
results PIN Envelope
elope
HSM
Card
Magnetic-stripe Envelope
Management TranzWare
are Personalization delivery
System Card Factory
ory (encoding, image printing, via post
embossing) or bank branch
EMV
P ersonalization
sonalization
on
Personalization

Card delivery
via post
p or
EMV-enabled
EMV bl bank branch
equipment
Card Personalized
application
Card
Customer

TranzWare Card Factory allows receipt and processing of primary personalisation jobs from TranzWare CMS or a back office
system of other vendors, where a format of uploaded personalisation data can be customer-configured. Overall, the product
offers flexible customisation capabilities, requires minimum setup time and ensures low setup and running costs. To ensure
flexibility in security, TranzWare Card Factory is capable of working with card personalisation equipment, EMV cards and HSMs
supplied by all major manufacturers.
 As a necessary component of card management, TranzWare Card Factory can be easily integrated with TranzWare CMS and
Combination of mag-stripe and EMV card data preparation, card personalisation and issuance procedures
other third-party components and systems already in place. In addition, personalisation of various value-added applications
Ability to start issuance of magnetic stripe and EMV-compliant cards with a low level of investment (assuming full functionality)
(loyalty points, personal ID, library cards, travel passes, etc) can be integrated into the general card personalisation and
Cost-efficiency (even a project with up to 1,000 cards to be issued can justify the cost) issuance process.
Scalability (from hundreds to millions of cards)
Benefits

Seamless and easy integration with TranzWare CMS and other back office systems
Automated (batch), mass issuance and manual personalisation modes making the solution equally effective for small as well as
large and extra-large scale card issuance
Advanced customisation capabilities adding significant flexibility and competitive edge
Support for the popular makes of personalisation equipment, EMV cards, HSMs supplied by all major manufacturers
Flexibility in working with graphical images
TranzWare Card Factory guarantees bank card personalisation security and complete control over the processes of data
transfer and storage of cryptographic values and cardholder data in compliance with PCI DSS.
TranzWare Card Factory has an EMV card personalisation quality testing system and also comes with the most commonly used
templates for EMV payment application setup in accordance with the international payment system requirements. All of this
allows card product certification cost reduction.

Data preparation for magnetic stripe cards (compliant with Visa, MasterCard and AmEx standards), EMV cards (compliant with
Moreover, the product supports three EMV card personalisation modes: manual, batch and mass issuance. The manual EMV, VSDC, M/Chip requirements) and virtual cards
personalisation procedure is effective for the small-scale issuance of EMV cards (e.g. instant card issuance in the presence of Data import from files of various formats; data import from database by means of ODBC interface
a customer). The batch mode is better suited to the EMV card issuance that is performed on a flow basis and mass issuance Collection and storage of images (pictures, signatures) from various sources
mode allows automated processing of many jobs from several branches or financial institutions. In case of the latter two PIN generation and ability to upload PIN from an external system for card reissuance
modes, embossing equipment and EMV-compliant HSM units are introduced into the process in order to raise a personalisation PIN generation for Internet banking customer
station throughput. PIN-envelope printing (single or batch mode)
Calculation of PVV, PIN Offset, CVV, CVV2, iCVV, CSC
Support of cryptographic algorithms: DES, 3DES, RSA. For the generation of cryptographic values compatible with EMV, VSDC, M/
Chip standards: Issuer DES Keys; RSA SDA, DDA/CDA; offline encrypted PIN

Key Features and Functionalities

EMV Card Support of EMV applications compatible with VSDC 1.3.1, VSDC 1.3.2, VIS 1.4, M/CHIP 2.1 (M/CHIP Select), M/CHIP LITE 2.1, M/
CHIP 4.0
Support of EMV contactless applications compatible with Visa payWave and MasterCard PayPass
Smart-card Writer
Support of EMV Common Core Definitions (CCD) & Common Payment Application (CPA)
Personalization System configuration to accommodate any volume of card issuance by supporting various modes of card personalisation: mass
File personalisation (further divided into batch mode and task mode) and manual (individual) personalisation
Support of customer chosen PIN via PIN station
Electric personalisation of the most common EMV cards compatible with ISO 7816, Native (most common cards produced by
Gemalto, Austria Card, Trueb AG, etc.), Global Platform and MULTOS
W
TranzWare C
CarddF t
Factory SAM Card
Support of MasterCard CAP (Chip Authentication Program), MasterCard Advanced Authentication for Chip (AA4C) solution, Visa
Personalization
TWCF Database DPA (Dynamic Password Authentication)
Station Smart-card Reader Support of all common HSMs
Support of Software Security Module for system testing without HSM equipment
Implementation of TranzWare Cryptoserver via the FIMI-interface for setting up the system with one cryptographic device and
access to it from many client workstations by means of a special network service
Support of the most common personalisation equipment: embossers, card printers, PIN envelope printing, cards readers/writers
Additional application for EMV personalisation testing
SAM Card
Comprehensive reporting capabilities
Export of personalisation results into an external back office system
Smart-card Reader Multi-institution and multi-branch support
System auditing: tasks, system access, auditing of system objects
Personalization Access rights control system
File Version control and updte

TranzWare Card Factory Cryptographic equipment: SafeNet ProtectServer Orange PTK-C PL220, ProtectServer Orange External PL220, ProtectServer Gold
Personalization PTK-C PL25/PL220, ProtectServer External, Luna SP; HSM 8000, RG7000 (Thales e-Security); SAM/C+
TWCF
WCF Databas
Database Station Embossers: DataCard: DC-150i, DC-210, DC-275, DC-280P, DC-295, DC-450, S48, DC-500, DC-7000,DC-9000; CIM: Maxima 861,
Combi1000 Pro Series, Combi2000 Pro Series, 1000 Pro Series, 2000 Pro Series, E2000 Pro Series, Multi-feeder MF6000 Pro-

Hardware
Personalization
File
HSM Series; NBS Advantage 2000 Series, Matica Z Series, and other similar models
EMV Card
PIN Pads: VeriFone (1000+, 101)
Card readers: PC/SC compatible, all those supporting TLP, GemCore, ASC, GemTwin, KDE SC1100 protocols
Mag-stripe Encoder: Magtek KDT-4000
Card Printers: CIMageK300 Optima Mono, CIMageK300C Optima, CIMageK400C Optima, CIMageK500C Optima; Fargo HDP5000
PIN Envelope printers: all models supporting handshake type XON/XOFF (for example, EPSON LX 300+)
Webcams, scanners, etc. for image input: all models supporting TWAIN interface
SAM Card

Embosser
E b System Requirements
Data Card Embosser Control Station Smart-card Reader OS MS Windows 2003 Server SP1/SP2, MS Windows 2000/XP
Database Oracle 11g Standard/Enterprise Edition
 About Compass Plus

Compass Plus provides comprehensive, fully integrated and flexible payments software and
services that help financial institutions and payment service providers meet rapidly changing
market demands. Our diverse customer base spans retail banks, processing centres, national
switches and personalisation centres in countries across Europe, Asia, Africa, the Middle East,
North and South America. With more than 25 years’ experience, Compass Plus helps build and
manage all-scale electronic payment systems that generate new revenues and improve profits for
its customers.

Copyright © 2016. Compass Plus Ltd. All Rights Reserved. TranzWare is a registered trademark of Compass Plus Ltd.
All features and specifications are subject to change without notice.
When choosing the functionalities of this product you are advised to consult a Company representative.
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