Existing Banking systems issue cards in forms of magnetic cards and Contact/contactless Chip Card. Magnetic stripe cards are embossed and EMV Chip cards involve personalization by the Bank or trusted third party personalizing entity in normal scenarios.
With the ability now to have the card instruments stored as applets in the NFC enabled phone devices in the Secure Element or HCE in Cloud, the existing issuing systems will need to interface with Service Provide Trusted Service Manager for personalization and life cycle management of payment (Credit, Debit, Prepaid) and non-payment (Transit, Loyalty, Coupons, Gift, tokens) applets on the mobile device/phone.
Girmiti Software has deep understanding of developing the Service Provider TSM which covers the following features:
Card content management of cards provisioned on customer phone devices
Perso scripts generation, managing the keys, Card Lifecycle Management for cards issued
Communication to Secure Element directly or through MNO TSM for card management functions
In the scenario where there is no SE on the device, communication to HCE in Cloud for card management functions in case
APSD key management as per Global Platform Specification using the scenarios.
Support all Secure Element types (Embedded, UICC, Wearables and Add-on devices)
Interface with Key Management System (KMS) for managing keys, importing and exporting of keys and Key Lifecycle Management
Provides billing, reporting and administration via web portal or web services
Interface with Card Management System to get the card data for personalization
Interface with optional online banking or authentication system to authorize user
Interface with any other servers to notify on card content/life cycle change
We also have relevant experience to help our customers and partners to have the TSM Solutions certified by Card Payment Schemes/PNOs, processors with respect to their business segments. Our Team helps and works closely with our customers to understand the existing scope, current business scenarios, flows of the existing systems, to provide the consulting solutions to Build, Architect, Enhance Features, Design, Develop, Test, Automate, Deploy, UAT.
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