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COPYRIGHT © 2013 CONFIDENTIAL
CPI Card Group
Presented By:
Guillaume Grincourt & Thomas Grouard Lillelund
Date: February 7, 2013
COPYRIGHT © 2013 CONFIDENTIAL
Agenda
• CPI Card Group Overview
• The Canadian market
• Bridgewater Bank Case Study – Introduction
– Roles
– Challenges
– Multos case study
– Quality and service
– A unique technology
– Project timeline
– Lesson learned
• Conclusion
COPYRIGHT © 2013 CONFIDENTIAL
Overview
• CPI Card Group is a global provider
of integrated payment solutions
including
– card production
– data personalization - both card and
mobile
– fulfillment
– e-services.
COPYRIGHT © 2013 CONFIDENTIAL
Our Locations We Support Our Customers Globally
CPI-NV
CPI-CO
CPI-MN CPI-IN
CPI-CA
CPI-UK
CPI US Colorado – HQ
Indiana
Nevada
Minnesota
CPI Canada Toronto
CPI UK Colchester
Liverpool
Petersfield
• Over 1.3 billion cards manufactured in
2011 (secure & non secure)
• 8 Manufacturing sites world wide
• 4 EMV major scheme certified,
manufacturing sites *
• 3 EMV Certified Personalization
Bureaus
• EMV Secure manufacturing plants
ISO7816, ISO 15693, ISO14443
compliant * Additional EMV plant certification in 2013
COPYRIGHT © 2013 CONFIDENTIAL
CPI to the Canadian Market • Secure facility certified by all major card associations
• Located in Concord, Ontario
– Manufactures secure and commercial cards
• Magstripe, EMV Contact, EMV DI (air coupling)
– Personalization of different form factors
• CR80, MicroSD, Stickers, OTA
– EMV certified
– Fulfillment and Distribution services
– Online Card Management System
– Data management
– Card and collateral design
COPYRIGHT © 2013 CONFIDENTIAL
The Canadian Market
• Number of cards in circulation: around 110 M
• Players : 5 Major Banks representing 80% of the market
• Canada is debit payment oriented with INTERAC as a debit
payment scheme
• Date of first migration 2007
• Product: Migration began with contact SDA and now migrating to
Dual Interface DDA/CDA
• Multos in Canada is an historical choice for MC issuers
• POS migration done in Canada for EMV contact, large progression
of the contactless acceptance. (POS EMV migration done at 70%,
ATM at 90 %)
• EMV migration started with contact products, now migrating to
Dual Interface
COPYRIGHT © 2013 CONFIDENTIAL
Multos Case Study Client: Bridgewater Bank
• Headquarters: Calgary, AB – Canada
• Quick History: Bridgewater Bank became a MasterCard issuer in
2010 and is the exclusive issuer of the Canadian Automobile
Association (CAA) MasterCard®* to eight of the nine CAA clubs in
the Country.
• For more information visit: www.bridgewaterbank.ca
Winner of the
2010 Cardware
“Canadian Innovation Award”
for the issuance of the
first Biodegradable
Dual Interface EMV MasterCard!
COPYRIGHT © 2013 CONFIDENTIAL
• Program Design & Card
Engineering, Consulting, Chip
Procurement, Card Manufacturing,
Card Personalization & Fulfillment,
Distribution
Multos Case Study -
Portfolio:
• Highly customized program with
unique Personalization &
Fulfillment requirements!
CPI – Canada Services: Technology:
• PayPass - M/Chip 4 MICA Lite on
CPI13614 Multos step one 8K
Dual interface on Infineon
SLE66CL80PEM
Program:
• MasterCard Credit
COPYRIGHT © 2013 CONFIDENTIAL
• Bridgewater: Project
implementation campaign
– SLA’s definition
– Testing
• TSYS: Smart card management
and Cardholder data generation
• Multos: Technical support
– Support for profile definition
– Creation of ALT and ALU
• CPI: Card manufacturing and
personalization
– EMV keys and certificated
generation
– Card personalization program
development
– Testing
– Certification
– Daily operations (card
personalization and fulfillment)
Multos Case Study - roles
COPYRIGHT © 2013 CONFIDENTIAL
Challenges
• First time for a card manufacturer to
produce a Dual Interface card in
Biodegradable PVC Core & Overlay
• First time issuing Bank
• First time for CPI Canada to use TSYS
as data provider
• Aggressive timeline
COPYRIGHT © 2013 CONFIDENTIAL
A Unique Technology
• The Air Coupling technology
guaranties:
– Robust card as there is no wired
connection
between the chip and the antenna
– Cost advantage as the production
yield is higher
– More flexible production capacity as
Air Coupling uses standard
embedding equipment
– No return from the field as of today
– No ESD issue reported
• SPS and CPI Card Group provides a Dual Interface card based on Air
Coupling technology
• The module has a small antenna on the back of the contact plate
• The inlay has two connected antenna coils
– one around the pocket
– one on the card parameter
COPYRIGHT © 2013 CONFIDENTIAL
Project Timeline First EMV Implementation for Bridgewater Bank
1. Project and role definition
2. Profile and program development
3. Testing and certification
4. Card manufacturing
4
Dec Oct Sep Aug July June April March Feb Jan May Nov
3
2
1
COPYRIGHT © 2013 CONFIDENTIAL
Lessons Learned
• Do not underestimate the project lead time
• Do not underestimate the role of project management
• Involve all parties at the earliest stage
• Testing in various infrastructures is key
• Payment schemes representatives are also key to an easy migration
• Good relation with the processor with also a key to success
COPYRIGHT © 2013 CONFIDENTIAL
Conclusion
• Project was a perfect demonstration of a very good working relationship
between multiple parties
• Implementation combination was the most challenging
– could not have been possible without these relationships
• Canadian experience can be easily duplicated for the U.S. market
• CPI is ready for volume product out of its two U.S. facilities
COPYRIGHT © 2013 CONFIDENTIAL
Contact Us Thomas Grouard Lillelund
Senior Manager, EMV and New Technologies
CPI Card Group
10368 West Centennial Rd.
Littleton, CO 80127
720-889-1193 Voice
303-484-4998 Fax