EMV & Payment Card Issuance

Credit and debit cards are changing—and so are the processes for issuing them. In an effort to increase security and expand the ways cards can be used, Mastercard and Visa jointly developed the EMV standard for chip-based payment cards. They can be thought of as containing a system-on-a-card that protects cardholder data, payment credentials and card-based applications—making it virtually impossible to extract information and create counterfeit cards, which is one of the greatest sources of fraud with traditional magnetic stripe cards. When the card is presented at a POS terminal or ATM and a PIN is entered, both card and cardholder can be securely authenticated and transactions approved.

Beyond EMV cards, issuers and personalization bureaus will confront a broader set of questions—how will payment credentials be handled in the future, and where will they reside? In a card? Or on platforms that the issuer doesn’t necessarily control, such as a customer’s mobile phone or a cloud-based application? And as the provisioning of payments credentials becomes more dynamic and potentially aggregated and federated in the form of wallets, who will be responsible for security and where will liability ultimately lie? As credentialing and payments processes evolve, card issuers must evolve nimble processes if they are to continue to profit from this increasingly interconnected ecosystem.


EMV and Payment Card Issuance: Today’s Challenge

  • Ensure that card issuing processes, whether performed internally or outsourced, are secure, flexible, and compliant with industry mandates.
  • Adapt to the more computationally intensive requirements for issuing EMV-based cards, personalization, credentials and applications.
  • Revoke payment credentials and applications appropriately when they are bound to consumer devices such as smartphones or other forms of token rather than expendable plastic cards.
  • Develop processes that can scale to meet growing demand and that handle the diversity of payment vehicles that will emerge.
  • Build new business relationships or even create whole new business models to address the needs of a broader ecosystem.


EMV and Payment Card Solutions: Thales e-Security Solutions

Products and services from Thales e-Security can help you ensure safe, compliant card issuing processes as you strive to navigate ongoing evolution, and in some cases revolution, within today’s payment card industry. With Thales e-Security products in place, you will be better prepared to take full advantage of emerging opportunities. Combining proven products with deep expertise and experience in payment card and application issuance, payments-related regulations, and the full range of data protection challenges, Thales can help you execute the transition to EMV cards, expansion of EMV-based applications, EMV personalization, and adoption of other payment vehicles while maintaining a high assurance infrastructure that is fully compliant with industry mandates and standards of due care.


With Card Issuance and Mobile Provisioning Solutions from Thales HSMs You Can:

  • Minimize deployment risk by taking advantage of Thales’ unequaled track record and market-leading support for EMV standards.
  • Accelerate deployments; Thales products offer proven integration and certification with products and solutions from leading commercial card issuance, personalization, and credential management vendors.
  • Stay flexible and reduce costs by selecting the performance levels and system capabilities that fit your needs today and then evolving your issuing infrastructure as your needs change over time.
  • Support your broader compliance goals by integrating payment issuance within a broader data protection and compliance context.