NCB EMV Debit Cards Instant Issuance Solution (2009-2010)

Business Need

NCB Bank is looking for a comprehensive and fully integrated strategic EMV central/branches card issuance solution to complete their existing card management and magnetic stripe issuance solution.  
The required solution must support the bank’s existing card products complying with the Bank and Card Industry Standards including SPAN2/EMV Specifications available from the Saudi Arabian Monetary Agency (SAMA) and the MasterCard and Visa specifications. The solution will support issuing EMV cards with multiple applications such as: Maestro, SPAN, for initial phase, CAP and Welcome Real Time Loyalty for a second phase.
 
The bank’s requirements encompass the following:
 

±  Complementing the existing central/Branches magnetic stripe cards issuance system by adding an EMV Card Issuance Solution that includes:

§  Card Personalization System 

§  Key Management System

§  Instant Issuance System supporting debit/credit card issuance at the branches

§  Supporting EMV capable Desktop printers and PIN assignment equipments for at least  300 branches

§  Using the following Card Chip Specs required by NCB which are
Gold CXI62PE MoD 14E (0-l-5) 16K (MIJLTOS) Cards with black HICO Magnetic stripe.

 

±  Integrating smoothly and in a transparent manner with existing applications and processes already established at ventral and branches 

±  Meeting SAMA mandates and the  business challenges

±  Building the EMV issuing infrastructure to allow a smooth expansion and to meet future NCB Bank needs of leveraging EMV investment by implementing new EMV based products

The Solution
  • The proposed solution is based on international standards, industry best practices, proven state-of-the-art products, and thorough implementation experience.  The solution components are flexible, scalable, and well supported.  Finally, they support and satisfy NCB Bank EMV Card Management System needs and vision, and will be a solid foundation for future evolution.
  • Datacard Software, the leader in card issuance technologies and smart card production systems, has been involved in over one hundred EMV migrations throughout the world. Datacard offers the world’s best portfolio of smart card issuance, personalization and management solutions. Market leaders, such as American express, are using solutions like Datacard Affina software for the lifecycle management of Blue in Germany. Global Platform launched its program with Affina, too.
  • Likewise, the proposed MiCard+ system has been developed to take full advantage of the newest open technologies and integrated with Datacard personalization systems and card management systems to seamlessly provide a complete central/instant issuance solution. 
  • This offers NCB Bank a scalable platform, which not only integrates easily into the bank’s enterprise infrastructure today; but for the future, provides the bank the capability to expand.
  • More importantly, the solution’s open technology environment provides NCB Bank complete vendor independence when it comes to selection of card and chip type, card operating system and use of alternative card production bureaus. 
 Benefits and Added Value
  • The strength, experience, delivery capability and business stability of the providers
  • A combined solution built from flexible and scalable components which can grow in a cost-effective manner as your business grows.  
  • Enables the bank to quickly meet EMV / SPAN2 and other compliance
  • Supports International & SPAN EMV Issuance specifications on all platforms
  • Widespread customer base both regional and worldwide
  • Stable business and globally proven products and solutions
  • Open system solution, with great viability to customization and enhancements
  • High performance and high availability solution components
  • Solid foundation for all payment channels in the future 
  • Integration with the current Bank environment and core Switch
  • Able to grow to provide newer & competitive business functionalities with quick time to market