Nitecrest Banking Brochure

Smart Card, Banking& Prepaid Solutionswww.nitecrest.com

The World’s Leading Card Manufacturer

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Certified by VISA and MasterCard, holders of the ISO 27001 security stamp, Nitecrest are one of the world’s leading card manufacturers, producing over 5 million cards for the retail, banking and telecom sectors every day. Nitecrest specialises in the provision of secure payment products and is a reliable partner for banking institutions worldwide. Our comprehensive range of payment products and solutions comprises high-end products based on the latest EMV, contactless, or dual interface technologies. Our smart debit and credit products are available on a wide range of platforms and based on secure and highly flexible operating systems.

Nitecrest are proud winners of The Queen’s Award for International Trade 2005/2009.

SERVICES ASSOCIATIONEUROPEAN CALLING CARD

14001 9001Visa and MasterCard Certified

Banking Inside Composite.indd 1 02/08/2010 16:45

ContentsSecurity 04

Consultancy 06

Services 08

Innovation 10

Concept to Delivery 12

Technology 14

Products 16

Materials for CardProduction 18

Production Process 20

Magnetic Stripe 22

Chip Products 24

Payment Solutions 26

Non-payment Solutions 30

Contactless Solutions 32

Secure Packs 34

Security Features 36

Identity Cards 38

Contact Details... 40



The quality and excellence of Nitecrests products are guaranteed by our experience and expertise in the global card market, which has led to the company being one of the fastest growing in this sector.

Nitecrest has the technology and necessary knowledge to conduct its activities with total control and security. Dedicated multi-lingual account managers and consultancy services are other advantages which Nitecrest offers to its customers. Nitecrest is an efficient company that works closely with its global customers, developing projects and relationships with responsibility and flexibility.

Security



Nitecrest offers their clients a full solution from concept through to production of the finished item. Please feel free to take advantage of our consultancy service on any new schemes you might have or on established schemes you may want to refresh. Nitecrest are best placed to offer its clients experience and support and are always happy to help.

Our smart card and banking department is staffed with a team of specialists who have been involved in the card industry for many years. As a collective knowledge bank they bring together a wealth of expertise in EMV and Smart Card management systems and production. The smart card team within Nitecrest look forward to being of service and will be delighted to assist you.

Consultancy



Nitecrest offer a complete value chain to banks, financial institutions, companies and organisations. Providing services from the personalisation of loyalty and EMV cards, to the data processing and the personalisation of carrier letters. Our consulting team, formed by engineers and members of Nitecrests commercial department, advise clients on the complex and changing options offered by new technologies, both in EMV migration and in smart card projects, this enables Nitecrest to develop specific software according to customers needs.

Nitecrest product and service offerings:

• Standard products and customer-specific smart card development

• Standard card formats and custom non-card formats

• Card manufacturing and personalisation

• Bureau services

• Technical support

• Consulting

• Secure Packs

• PIN Mailing

Services



Innovation is a process by which an idea or invention is translated into useable goods for which people will pay. To be called an “innovation”, an idea must be replicable at an economical cost and must satisfy a specific need. Innovation involves deliberate application of information, imagination, and initiative in deriving greater or different value from resources. This encompasses all processes by which new ideas are generated and converted into useful products.

Innovation

“ “



Specification...•Chip encoding

• Indent printing

•Embossing

•De-embossing

•Coloured and

metallic foiling

•Holographic foiling

•Pattern UV varnish

•Matt and gloss

lamination

•Pearlescent finishes

•Metallic and spot

printed colours

•Bespoke shapes

and profiles

•Magnetic tape –

hi-co and lo-co

•Lenticular flip and

3D images

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Concept toDeliveryCards are much more than a means of payment or

identification; they are a real marketing tool which

companies and organisations from all sectors are

increasingly taking advantage of. The cards can set

you apart from your competitors, help you target

your current customers or better still attract new ones.

With these objectives in mind, Nitecrest offer a wide

variety of innovative cards created from a deep

knowledge of printing techniques and the constant

research into new materials.

Nitecrest are able to produce cards combining

3D effects with combinations of matt and gloss

surfaces to highlight parts of the design. Even more

innovative are cards with surprising texture effects,

that stimulate the feel of textile or leather, depending

on the printed image. We are also able to produce

translucent cards that offer endless possibilities

in terms of colour and design; these are some of

the possibilities that Nitecrest puts into practice to

ensure that its customers cards are unique.



The card world has changed a lot with the integration of chip technology. Smart cards are now in a large number of sectors and with an infinite number of potential uses. At first, the banking sector adopted EMV cards to increase the security of payment transactions. Contactless/dual interface cards for payment or for access control, are the cards that have seen increasing demand in this developing market place.

Nitecrest has a range of products for our banking clients including Native, JAVA and Multos Solutions to name but a few.

Technology



Nitecrest produces cards across varied market sectors, taking into account loyalty cards, bank cards, gift cards, access control cards and identification cards with integrated security systems.

Products

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Conventional

memory chip

cards (PVC)

Infineon: SLE 5528 (1kB), SLE 5532 (256b), SLE 5542 (256b PIN

Code) SLE 6636 (36B)

Amtel: AT24LC16SC (128b), Microchip 24LC16SC

ST microelectronic: ST1200 (32B), ST14C02 (32B),

Other on demand

X X X

Conventional

smart chip

cards (PVC)

Trueb: ComboOS range

KEBT Kona range

NXP: JCOP 21/(36k) PCM1.1

X X

Contactless

cards (PVC)

NXP Mifare: Classic 1kB/4kB, Ultralight, Ultralight C (192B),

Desfire 2kB, 4kB, 8kB, Mifare Plus 2kb Infineon Mifare: NRG

EM Marine: EM4102

X X X

Dual Interface

(PVC)

KEBT Kona

Trueb ComboOsX X X X



Cards are made of several layers of plastic laminated together. The core is commonly made from a plastic resin known as polyvinyl chloride acetate (PVCA). This resin is mixed with opacifying materials, dyes, and plasticisers to give it the appropriate appearance and consistency. This core material is then laminated within layers of PVCA or clear plastic materials. These laminates adhere to the core when applied with pressure and heat.

Materials for Card Production



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Specification...•PVC materials

• ISO standard

•Chip card - 820 micron

•Mag card - 760 micron

•Other specialist

materials available

ProcessA variety of inks or dyes are also used for printing smart

cards. These are available in a variety of colours and

are designed for use on plastic substrates. In some

instances special magnetic inks are used to print

the magnetic stripe on the back of the card. The

inks are made by dispersing metal oxide particles in

the appropriate solvents. Additional special printing

processes are involved for cards, like VISA and

MasterCard, which feature holograms.

The manufacturing process consists of multiple

steps: first the plastic core and laminate materials

are compounded and cast into sheet form; then

the core is printed with the appropriate information;

next the laminates are applied to the core; once

the chip has been milled and implanted, the final

assembled sheet is cut into individual cards.

If your next card project has a need to be on a

material a little different then please contact us for

one of our consultants to visit with you. We can use

transparent, flocked and material affect substrates

to give your card the edge in the market place.

The Production



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Specification...•Lo-co

•Hi-co

•Choice of colours

•How many tracks

to encode

•Which data on

which track

MagneticStripeOersteads (Oe) are the units used to measure

coercivity. Low coercivity is defined as 0-300 Oe.

High coercivity is 300-3000 Oe. Hi-co cards are

actually encoded at a level of 2750 Oe.

Because it takes a stronger magnet to change

its unique pattern of magnetic fields, information

stored within a hi-co magnetic strip will not be

degraded as quickly as information stored on a

lo-co magnetic strip, hence its wide spread use

across banking and financial transaction cards

world wide.

In other words: hi-co cards work longer than lo-co

cards. This sees the low-co card technology being

widely reserved for single or low use plastic card

requirements, such as closed loop gift cards

common to the retail landscape.

Culprits responsible for erasing information from

magnetic stripes include refrigerator magnets and

demagnetisers used by stores to prevent shoplifting.

Low-coercivity stripes on cards are usually brown,

hi-co stripes black.

Coercivity is a measurement of the amount of energy it takes to change the polarity of a magnetic field. Since information on magnetic stripes is stored as a pattern of positive or negative magnetic fields, coercivity also becomes a measure of how long a card’s magnetic stripe can retain the information that has been encoded within it.



A smart card; a type of chip card made from plastic, embedded with a computer chip that stores and transacts data between users and issuers. This data is associated with either value or information or both and is stored and processed within the card’s chip, either a memory or microprocessor. The card data is transacted via a reader that is part of a computing system. Smart card-enhanced systems are in use today throughout several key applications, including healthcare, banking, entertainment and transportation. To various degrees, all applications can benefit from the added features and security that smart cards provide.

Nitecrest offers smart card solutions for all sectors, and have EMV – contact and contactless, as well as solutions for non-payment markets.

Chip Products



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PaymentSolutions1. CombOS SDA

For easy EMV issuance, SDA is perfect for SEPA-

compliant programmes for both debit and credit

cards, with high security needs and a call for fast

personalisation.

2. CombOS DDA

For high security payment, DDA is perfect for EMV

bank cards offering both MasterCard and Visa

payment applications. DDA proves its value/

performance relation.

3. Kona 151

The Kona 151 is a GP compliant, Java 2.2.1 smart card

offering all the benefits of an open platform solution.

It is DDA capable and the perfect solution for

combining DDA migration with the launch of multi-

application products.

4. Kona 23S

The Kona 23s is a static Java application ideal

for market entry/SDA products. It is backward

compatible with all Kona products and therefore

can be used as a stepping stone to DDA/Multi-

application products.

Features...•CombOS SDA and DDA

- ATM (Cirrus, Plus)

- Debit (Maestro, Visa)

- Credit (MasterCard, Visa)

- Loyalty based on

selection of ISO

commands

•Kona 151 and 23S

- Java Card 2.2.1

- Global Platform Card

Specification 2.1.1

- Data Encryption

Standard (DES)



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PaymentSolutionsNitecrest have a full range of EMV compliant solutions

ranging from low EEprom SDA solutions to high

EEprom, dual interface solutions and offer the most

comprehensive range of products in the market.

Working alongside the worlds leading independent

smart card companies Nitecrest are confident we

have the perfect solution for you.

Features...•JavaCard 2.2.1

•Global Platform Card

Specification 2.1.1

•Data Encryption

Standard (DES) and

Dual/Triple key DES3

via co-processor



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Non-PaymentSolutions1. Infineon SLE 5542

The SLE5542 has an intelligent 256 bytes with Write

Protection and Programmable Security Code (PSC)

and with ISO 7816 smart card interface.

The SLE5542 is a standard, low-cost memory

smartcard. It has a 256 x 8 bit EEPROM data memory

with 32 x 1 bit protection memory. The SLE5542 is a

fully compatible, upgraded version of the SLE4442.

To ensure the future availability of this product type,

whilst still ensuring backward compatibility to previous

products, it has migrated the data carrier family to

the IMEM CMOS technology. IMEM is conceived for

security applications and offers unsurpassed physical

and electrical protection schemes.

This type of chip is commonly found in retail

and loyalty schemes which are used by some

well known organisations such as Boots for their

Advantage Card programme as it offers a low cost

and reliable platform.

Features...•Compatible to SLE4442

•256 x 8 bit EEPROM

•32 x 1 bit protection

memory

•Two-wire link protocol

•Sophisticated electrical

characteristics

•Data memory alterable

only after verification of

3-Byte Programmable

Security Code



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ContactlessSolutions1. Mifare® Ultralight / Ultralight C

MIFARE® Ultralight; is the fare media of choice of

many system integrators and transit operators.

Fare collection has evolved from using coins and

simple paper tickets, to fully integrated contactless

Automatic Fare Collection (AFC) systems making it

easier for passengers.

2. Mifare® 1K and 4K Classic

MIFARE®; has become the defacto standard smart

card solution for Automatic Fare Collection (AFC)

programmes since its introduction in the mid-

nineties. It allows for faster boarding on buses and

higher throughput at subway turnstiles.

7. Kona 151S

MIFARE® DESFire; is the next generation contactless

smart card for transit ticketing offering interoperability

with the existing infrastructure. It provides the added

security of an embedded microprocessor solution with

higher memory and still offers cost-effective and open

standard solutions provided by MIFARE® technology.

Features...•Contactless transmission

of data

•Up to 100mm operating

distance

•13.56 MHz operating

distance

•Fast data transfer

106 kbit/s

•True anti-collision



Nitecrest have developed secure packs to include numerous security features, which ensure that your product and its contents are protected. Nitecrest are able to modify the size and shape to meet with your specific requirements.

Secure Packs



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SecurityFeaturesThe Nitecrest Secure Pack is created using a 280

gram/ 455 micron high grade packaging board

and has anti tamper features. These run down both

sides of the finished piece; ensuring it is not possible

to force it open without obvious evidence that it has

been tampered with.

The Nitecrest Secure Pack also features a window

on the back which allows the barcode to be

scanned, if required, at point of sale. In addition

it can also feature a magnetic stripe which

is positioned at the bottom on a disposable

piece of the Secure Pack, and only contains

POS information, which, once purchased by the

consumer can be removed and disposed of

leaving a neat composite pack.



Identity cards are increasingly becoming common practice across all walks of life and industry. As businesses seek to make their premises more secure and ensure a safe working environment we are seeing growing numbers of employers opt for ID cards for their employees which also act as secure entry cards to the employers premises and can be used to replace traditional clocking in schemes.

Nitecrest have been producing identity cards for over 15 years and in keeping with the evolving world and ever changing technology we have seen the cards we are producing for our clients change quite dramatically over this time. We have gone from just printing names and photographs onto plastic to ‘SMART’ cards which are storing data and being used for contactless entry to secure premises and also as a means to replace historical clocking in schemes.

Identity Cards



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ContactDetailsHead Office: Nitecrest Ltd

32 Marathon Place

Moss Side Industrial Estate

Leyland, Lancashire

PR26 7QN

Tel: +44 (0)1772 431888

Fax: +44 (0)1772 436888

Email: [email protected]

Web: www.nitecrest.com

Global Presence

Africa•America•Asia-Pacific•Europe•MiddleEast•SouthAsia


Smart Card, Banking& Prepaid Solutionswww.nitecrest.com


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