Multos International in ChinaMultos International in China

Richard Cusson – Managing DirectorTianbin Chen – Sales Manager

Agenda

1. Multos International in a few words

2. Case Study

3. MULTOS and China

4. What we like about MULTOS

Multos International in a few wordsMultos International in a few words

The Banking Smartcard World

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PP P

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Our mission

Our Worldwide Mission:– Technology partner to plastic card manufacturers.

Our Role in China:– Offer the market a World-Class Open Platform alternative.

China is too big and too important to be limited toChina is too big and too important to be limited to One Open Platform !

Global customers of Multos International

Multos International in a few words

L di i l t & d l f MULTOS d tLeading implementer & developer of MULTOS productsDevelopment and sale of chips/modules and associated services (key management training consulting )services (key management, training, consulting, …)Distribute products through 38+ card manufacturers– Large partners are G&D, Gemalto, OCS, Morpho, CPI.

Over 250 million banking cards use our technology– 70% of MULTOS volume worldwide

(Previously known as Keycorp)

Multos International’s roleEMV supply chain made easy

Applications

Data preparation

Operating System

Key management

Blank plastic

Card manufacturing

Smartcard module

Card manufacturingPersonalization

Finished cards

Silicon chip

Multos International

Silicon chip

Smartcards and Applications Range

Schemes Taiwan ECC

C SDA

8K

16KContact

32K Mar 2012

8K

18KDDA 18K

36K

12K M 2012Dual I/F

DDA

12K Mar 2012

20K

36K36K

Other issuer-specific payment products are also available – please consult your sales representative for detailsyour sales representative for details Note: Only select scheme certifications shown in table above

Our Business Philosophy

Issuer-centric approach

Low Total Cost of Ownership

Unrivaled FlexibilityUnrivaled Flexibility

EMV made easyy

Innovation

Case studyCase study

Mexico - BanamexThe requirement:

MasterCard and Visa.

Multiple card suppliers (>15m cards)

Easy upgrade to perso system

From SDA to DDA or/and to Contactless in the futurefuture

Reduce card perso timeReduce card perso time.

Mexico - BanamexThe solution:

Chose MULTOSAll credit and debit cards to this new chip pplatformUpgraded their dataPrep/Perso within days.pg p yPerso time from 21s to 3s/ card. Source their MULTOS products from CPI, G&D, p , ,Gemalto, Inteligensa, Oberthur. Implemented a NFC/DI project in less than 2 months.

Mexico - BanamexThe Learning:

Flexibility provided by the card operating system is very important.Range of products and the ability to add new products with the same perso set up was key.Perso speed is important and can provide significant savingsAllowed easier setup of backup perso site (to 3rd party) for Business Continuance Plan (BCP)

Today: 100% MULTOSToday: 100% MULTOS

Saudi ArabiaThe Requirement:

Local SPAN Debit, as well as Visa and MasterCard

Freedom of choice for associated BanksTo implement value-added applications An open supply model.

Wanted to strengthen local card manufacturers ability to produce quality product.

Saudi Arabian Monetary Agency (SAMA) did Global RFP to select chip card platform.

Saudi ArabiaThe Solution:

Only considered smartcards OS that could accommodate multiple applications.

Chose MULTOS as the primary platform.

Used MULTOS as the basis for developing all specifications from certification to card production.C b di f th l l SPAN D bit f ll iCo-branding of the local SPAN Debit for all in country transactions, with either MasterCard M/Chip or Visa’s VSDC for internationalM/Chip or Visa s VSDC for international travellers.

Saudi Arabia

A Central Bank certification centre establishedThe Learning:

A Central Bank certification centre established to certify EMV cards, terminals and persosystems for the country’s infrastructure.y yBack-end and acquiring readiness are what’s most challenging.In a new EMV country, lots of support is required from the technology supplier to set up local manufacturing capabilityEasy to develop new applications on an Open Pl tf M i iti idPlatform. Many universities now provide smartcard development courses.

Open Platform share: 70% MULTOS, 30% JavaCard.Native: No

MULTOS and ChinaMULTOS and China

Partners, key to our success in China

Multos International has made great achievements with global and local card manufacturers outside China.g

With rich experiences of EMV migration and advantages of M lt t h l M lt I t ti l d i t k ithMultos technology, Multos International desires to work with global and local partners to succeed again in China.

BCTC certification of PBOC application

BCTC Certifications & Debug tests including:– PBOC2.0 Debit/Credit IC Card Type Approval

JETCO IC C d T A l– JETCO IC Card Type Approval– Contactless IC Card (qPBOC/MSD) Type Approval– Contact and Contactless PBOC2 0 Debit/Credit + eCashContact and Contactless PBOC2.0 Debit/Credit + eCash– IC Card Personalisation

Ready with both a Contact and a Dual Interface productReady with both a Contact and a Dual Interface product

PBOC Application on MULTOS

Developed by Multos International

Compliant to PBOC2.0 2010

SDA/DDA/CDA

Protocols: T=0 and Type A (for dual interface card)

Supported Configurations:Supported Configurations:– Contact PBOC Debit/Credit– Contactless PBOC Debit/Credit– Contact eCash– Contactless eCash– qPBOC and MSD– JETCO

Offer to ChinaTo the Issuers:

Open, multi- application platformp pp pPrice competitiveLimiting risks - diversificationAbility to do more:– Post issuance, Instant issuance, Bug-fix on cards

New innovationsNew innovations.

To the Partners:Certified products.Competitive pricingL l t h i l tLocal technical supportLarge product range.Free applicationsFree applicationsAbility to differentiate

What we like about MULTOSWhat we like about MULTOS

What we like about MULTOS (1/3)

High security– Highest security level ever achieved

Interoperability– Guaranteed by the Type approval process

Stability (proven)– Hundreds of millions of EMV cards powered by MULTOS

Cost effective– Smaller chips, faster personalisation

Easy to implement– 38+ card manufacturers distribute it worldwide

What we like about MULTOS (2/3)

Instant / post issuanceInstant / post issuance – Unique capabilities

Multi-sourcingMulti-sourcing– Ability for the Issuers to multi-source

Fits all payment schemesFits all payment schemes– CUP, MasterCard, Visa, Amex, Diners, JCB, …

Multi applicationMulti application– And complete separation between applications (firewalls)

Leading NFC products / speedLeading NFC products / speed– Over 30 issuers issuing our MULTOS NFC products

What we like about MULTOS (3/3)

High securityInteroperabilityStability (proven)Cost effectiveEasy to implementy pInstant / post issuance Multi-sourcingMulti-sourcingFits all payment schemesMulti applicationMulti applicationLeading NFC products / speed

Perfect for your Banking needs

MULTOS Easy MicroSD Provisioning Customer

purchases MicroSD from

Issuer’s Central Secure Trusted Environment

retailer or sent by Bank

Insert into smartphone&

InternetCard / Content Management System

ChinaMULTOS

KMABank dataprep system

b ild li d d

download M-App fromappstore

Customer chooses B k id f M A

M-App connects tochosen Bank instant issuance system

builds personalized app and loads to MicroSD device

Mobile phoneBank provider from M-Appscreen

Mobile phone is now a contactless payment device

Th k YThank You.

Richard CussonManaging Directorrcusson@multosinternational.com

[86] 1862 153 3037

TianBin ChenSales managertchen@multosinternational.com

86 13501170705+[86] 1862 153 3037 +86 13501170705