Embed Size (px)
Citation preview
MULTOS in a Multi-sourcing Environment
February 7th, 2013
Agenda
Multos International Business Model Adapted to a Multi-party environment
US Market: A Multi-Sourcing Environment Multi SmartCard O/S, Multi Card Vendor, Multi Perso bureau,…
US Market: A Multi-Product Environment Credit, Debit, Durbin, SDA/DDA,
US Market: A Multi-Channel Environment Contact, Dual-Interface, MULTOS in Motion
Terminology
MULTOS: – Standardized (Open) and secure Multi Application
Operating System for smartcards.
MULTOS Consortium: – Group of 20+ industry leaders defining/governing the
specification of the MULTOS Operating System
MULTOS products – MULTOS: Original product. DDA.
– MULTOS step/one: SDA version of MULTOS
Multos International – Leading implementer & developer of MULTOS products
Multos International
Multos International’s role
Smartcard module
Card manufacturing Personalization
Data preparation
Finished cards
Silicon chip
Applications
Operating System
Key management
Blank plastic
EMV supply chain made easier
Partnering with other players in the EMV supply chain
to serve Issuers
Multos International Business model
Multos International is a technology enabler to card manufacturers, Perso Bureaus and schemes – Platform available to all card manufacturers
– +35 card Manufacturers/perso Bureau partners worldwide
Multos International maintains strong relationships with card manufacturers and also advise Issuers directly – O/S Independent card manufacturers are quite often our
prime partners but large international players still carry most of the volume
Multos International direct market presence – Small dedicated business development team creating
awareness for the platform with large processors/issuers
– Strong Technical Support team enabling Card Manufacturers and Perso bureaus
Some customers
What we sell
Products
• Operating Systems
• Chips & modules
• Applications & Tools
• Consulting & Training
Services & Solutions
• Hosted security services (EMV CA, authentication)
• Key management solutions
• MULTOS KMA
Global EMV Migration
Contactless Banking
transit and multi-function
Government ID, health
and e-Passport
The US EMV Environment:
Multi - Sourcing
Multi - Product
Multi - Channel
- Many hand shakes (or points of failure)
- Payment Brands have a very broad scope
- Multi-Sourcing can be complex
Open OS
Native OS
-------------------------------------
The EMV Supply Chain
US Market: A Multi-Sourcing Environment
The US EMV market it a multi-sourcing environment
with multiples players at all levels
– Pricing, sourcing and creativity
– Complexity and flexibility
Multi Smatcard O/S: Essentially issuers have a 2-step decision process – Proprietary system (Native) or Open Platform
– For Open Platform: JavaCard(s) or MULTOS O/S
Multi Card Manufacturers and Multi Perso Bureaus – Large issuers have a multi sourcing strategy in place or will
implement it as part of the EMV migration
– Unique because of the essential role played by the large US processors (decoupling of card manufacturing and personalization function)
+ -
US Market: A Multi- Product Environment
Issuers are facing many different product choices
– Driven by varying schemes approaches
– Different customer profiles
– Uncertainty of the debit/Durbin market
Considerations: – SDA/DDA decision should not be driven by chip price differential
– Issuer project investment cycle
– Durbin compliance choices (size?)
– Application certification cycle
Multos International solution – Visa and Mastercard apps. preloader at manufacturing
– New platform in sync with US deployment and able to handle Durbin choices
– Single script and consistent perso methodology
US Market: A Multi - Channel Environment
Issuers are facing many different channel choices
– Contact
– Contactless, Dual Interface
– Mobile !!!
MULTOS International approach – We have all form factors available, However:
Market needs to be segmented
Contactless and DI: On demand should be explored
– MULTOS in Motion Reducing the complexity of mobile
Leverage the same chip in a different form factor
Can be done in the same perso environment or over the internet
MULTOS in Motion
Embed secure chip with MULTOS O/S onto
MicroSD design
Advantage •Bank-issued or customer procured product
•Works in any phone with MicroSD slot (target)
•Capable of interaction with handset
Leveraging the same MULTOS technology
and basic wifi infrastructure •MULTOS uses unique/patented public key technology for
card application management. App deployment can be
over any open network with security built into the data
packet, not relying on weak session security.
•KMA provides that centralized/trusted facility; no-one
needs to share keys or to buy a TSM
•Deploying apps to a device in the field is so much simpler
MULTOS In Motion Provisioning
Customer purchases MicroSD from retailer
Insert into smartphone &
Internet
Customer chooses Bank provider from M-App screen
Card / Content
Management
System
Issuer’s Central Secure
Trusted Environment
MULTOS
KMA
M-App connects to chosen Bank instant issuance system
Bank dataprep system builds personalized app and loads to MicroSD device
Mobile phone is contactless payment device
download M-App from appstore
