Payments
The payment card market has seen an exponential growth over the past decade, driven by increasing digital payment adoption, the rise of e-commerce, and demand for more secure and convenient payment methods.
MULTOS provides financial institutions with the most advanced, flexible and future-proofed payment card platform available. It is the only multi-application high security platform originally designed by banks to meet the exacting demands of the payments industry whilst allowing secure co-residency of multiple applications on the same device.
Issuers have complete control throughout the entire lifecycle offering enhanced supply chain management and a reduced total cost of ownership for personalizing and provisioning smart cards or devices. Its public key cryptography system, managed by a dedicated Key Management Authority (KMA), ensures secure issuance, updates, and application management without the need for symmetric key sharing. Meeting the highest standards of compliance and certification, MULTOS is perfectly suited for both traditional bureau personalization and the demands of instant issuance and mobile payments.
EMV Payment
Today, the majority of credit, debit, prepaid and contactless cards are being secured with EMV®. MULTOS has EMV solutions on contact, contactless and dual-interface for all major payment networks including Mastercard, VISA, American Express, Discover and JCB.
The Mastercard Integrated Card Application (MICA) for MULTOS application also supports the latest specifications for Mastercard payment applications such as Mastercard Pre-Authorised, Chip Authentication Programme (CAP) and Advanced Authentication For Chip (AA4C). When paired with a contactless-enabled MULTOS platform, MICA supports Mastercard PayPass and mass transit features.
The VSDC for MULTOS application meets the latest VIS specification, enabling VISA payWave contactless payments on contactless or dual-interface cards.
Financial institutions often need to deploy domestic payment applications alongside the international applications. These domestic applications can be deployed in conjunction with the off-the-shelf international application, enabling features such as shared PIN across all applications. Examples of domestic applications deployed include Interac (Canada), SPAN (Saudi Arabia), JBA (Japan), K-Cash and TMoney (South Korea), FISC (Taiwan), B0’ and Moneo (France), Banricompras (Brazil).
MULTOS is also ideal for mass transit solutions that require both a transit application and an EMV payment application to reside on a single contactless or dual-interface smart card.
Beyond payments, MULTOS enables deployment of value-added applications such as loyalty programs, coupons, secure data storage, and online banking tools—all on the same card.
With its powerful, flexible, and future-proof architecture, MULTOS offers financial institutions a secure platform for advanced multi-application cards. For a cost-effective entry point, the MULTOS step/one platform enables fast deployment of EMV programs using Static Data Authentication (SDA).
Dynamic CVV Cards
As e-commerce grows and online shopping fast becomes the consumer norm, payment card fraud is likely to increase year on year. Dynamic CVV cards represent a significant advancement in securing online and card-not-present transactions, providing stronger protection against fraud and enhancing the security of payment systems.
By combining a highly secure, tamper-resistant platform with a dynamic security code embedded on the card, MULTOS dCVV cards provide superior fraud prevention for e-commerce transactions.
Biometric Payment Cards
Using smart cards with biometrics results in a trusted credential for authenticating an individual’s identity using one-to-one biometric verification. With the biometric template stored on the smart card, comparison can be made locally, without the need for connection to a database of biometric identifiers.
With the latest secure smart card micro-controllers, sufficient on-card processing power and memory exist to perform the biometric match directly within the logic of the smart card instead of within the reader device. This biometric match-on-card approach can provide an even more private and secure identity verification system.
MULTOS is a flexible and powerful technology which is ideal for biometric cards and has been implemented in some current match-on-card products on the market.
And more…
From the eco-friendly cards made from sustainable materials including recycled plastic and wood, to high-end premium metal cards, MULTOS is available across all of the latest payment innovations.
MULTOS is also compatible with a wide range of contactless devices such as passive wristbands, contactless tags, and more capable active contactless payment devices.
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