ALIOTH: Products and services 2 Independent ranking. The Nilson Report
ALIOTH was ranked by The Nilson Report in 2017 as card manufacturer: • #1 in Russia • #12 in the World Total shipments, mln.cards (source: The Nilson Report) Shipments of SCOne, mln. cards (source: Alioth) 64,9 70
60 48,6 45,8 50 31,9 31,6 33,3 40 +92% 30 22,5 16,6 20 12,4 6,6 +151% 10 3,6 +83% 0 2011 2012 2013 2014 2015 2016 2017 ALIOTH. Expertise
Card production and personalization • Banking card • Payment ring, keyfob, wristband • EMV compliant IC modules
Consulting • EMV-migration, pre-issue, post-issue • EMV personalization in house • EMV instant issuing
Software development • Card applications, java applets • Card operating system (SCOne) • Non-financial services host software • Cards and applications management system Complex projects implementation • Social card • Smart ticket for mass transit • Health card • Military card 4
Smart card manufacturing 5
Smart card manufacturing. Facts and figures
• Established in 2008 • Producing capacity is 80-90 million cards annually • 300+ employees • Certification ISO 9001-2015 6
Smart card manufacturing. Certificates
Card manufacturing and personalization certification
ISO9001-2015 Quality management system 7
Smart card manufacturing. Coil on Module technology was developed by Infineon to improve the robustness and Inductive dual interface technology long-term reliability of dual-interface payment cards as well as ID documents
Module with antenna Card inlay with antenna • Reliable connection with antenna enables lifetime of ten years and more – essential for identification documents • Card is easier to produce that decreases quality issues
Radio communication between card antenna and chip module 8
Personalization service
ALIOTH offers the full range of graphic and electric personalization service, including card packing and delivery.
• Full range of additional services • Possibility to increase production capacity for long-term projects • A good track record of cooperation with main suppliers of the perso-software 9
Card design and special effects
Own design bureau • Full cycle service from a concept to the final card design • Design validation with the payment schemes • Short design time
Special effects on cards • Tactile effect • 3D-effect with a visible depth of stereo image • Foiling, printing with metallic inc • Transparent cards • Chameleon effect • Colored core/edges • Contact plate engraving • Printing on magnetic stripe 10
Laser engraving of personal data
Laser engraving is the only method
Personal data, written using of durable graphic personalization laser engraving of the card with a photographic quality picture 11
Banking chip-modules SCOne
SCOne chip-modules for banking 12
SCOne. Contact products Advantages
VIS 1.5.4 – up to 28.10.2028 • VISA, Mastercard, MIR personalization – Note: Effective 13 April 2019, all replacement and newly issued cards must be dual without any changes, easy migration • Products are supported by major M/Chip Advance 1.2 – up to 10.10.2020 suppliers of personalization software Note: Effective 12 April 2019, all newly-issued cards must support dual technology with the • High rate of transactions is achieved by extension for selected regions to 12 April 2021. using advanced chip-modules
MIR 1.1, MIR 1.1 Light 13
SCOne. Dual products Advantages
• «Long» EMV certificates validity period – no need for recertification during 6-10 VIS 1.5.4 – up to 09.12 2028 years • VISA, MIR personalization – without changes, easy migration M/Chip Advance 1.2 – up to 29.03.2021 extension up to 2024 • 6-pin module
• Inductive technology of interconnection MIR 1.1, MIR 1.1 Light between chip-module and antenna • Products are supported by major suppliers of personalization software 14
SCOne EMV Payment module roadmap 2018 2019 2020
Chip-module: SCOne C40 Advance 1.2 RCCN
Infineon SLE77 Contact interface SCOne C40 Advance 1.2 Samsung S3K
SCOne C40 VIS 1.5.4 RCCN
SCOne C40 VIS 1.5.4
SCOne C40 MIR 1.1
SCOne C40 MIR 1.1 SCOne C40 MIR 1.1 Advance 1.2 (co-badge) Expiry date 15
SCOne EMV Payment module roadmap
2018 2019 2020
SCOne D20 Advance 1.1 RCCN Chip-module:
SCOne D20 Advance 1.2 V Infineon SLE77
Dual interface SCOne D20 Advance 1.2 Y Infineon SLC32 SCOne D20 VIS 1.5.4 RCCN
SCOne D20 VIS 1.5.4 V Samsung S3D
SCOne D20 VIS 1.6.1 Y
SCOne D20 MIR 1.1
SCOne D20 MIR 1.1 V SCOne D20 MIR 1.1 Advance 1.2 V
SCOne D20 MIR 1.1 Y Expiry date 16
SCOne. Dual products New generation of chip- modules Infineon: Previous generation New generation
SLE 77P SLC 32P • High transaction processing speed, possibility to increase key length 16 bit 16 bit • Smaller energy consumption: 33МHz 3х more SPU speed 100МHz - Transaction processing starts at a bigger distance from reader 240KB More NVM 300-348KB 6KB More RAM 8-10KB - High stability in mass transport application - 348 КB Flash-memory – platform Integral Stronger security Digital for complex multifunctional products
Solid flash Solid flash new NVM cell + HSL 90 nm 65 nm 17
SCOne. Additional applications
• Digital signature (CryptoPro CSP)
• Mifare Manager compliant – contactless smart ticket solution Access control Campus • DPFS – multipurpose solution designed for new application and integrating new chip-module
• Possibility for realization several instances of financial application
• Global pin technology support
Payment Mass transit
Social ID 18
SCOne. Product family
Products SCOne D20/D80 SCOne С40
Interface Dual Contact
Microprocessor Infineon Samsung
Mifare emulation Classic 1K / 4К -
Available memory, Kb 20-160 8-40
Cryptography DES/3DES, SHA-1/2, RSA DES/3DES, SHA-1/2, RSA
Applications Certificates
• MasterCard M/Сhip Advance 1.2 Valid till 29.03.2021 Valid till 20.10.2020
• VISA VIS 1.5.4 Valid till 09.12.2028 Valid till 28.10.2028
• NSPK MIR 1.1 Certified Certified
• DPFS (general purpose data storage) Available
• Digital signature (CryptoPro CSP) Available
• Mifare Manager (Universal transport application) Available 19
SCOne. Success story Since entering the market in 2013, the SCOne card products has been selected by 100+ banks with more than 60 million cards shipped. 20
Card products. iPay – generic payment application for local payment systems
EMV compliant iPay product provides secure transactions in online and offline mode. Each transaction is digitally signed in order to ensure high level protection against counterfeiting and fraud.
Key features: • Offline data authentication (SDA, DDA, CDA) • Offline PIN generation • Standard EMV CPS personalization • Full compatibility with existing EMV-infrastructure • Contact or dual interface
Branding with your own trade mark (white label) 21
Card products. Personalization support
ALIOTH provides the support of SCOne products personalization with the top vendors of payment software solutions. 22
SCOne payment ring
• Innovative payment solution in a jewel with the capabilities of a contactless banking card • Payment at contactless payment terminals or online. • Multi-application option (mass transit, loyalty, access control) • Variety of shapes, sizes and materials • Robust and waterproof
ALIOTH is the exclusive partner of PayRing, inventor and patent owner.
Visa and Mastercard certified. 23
SCOne payment ring. Key benefits
• Always on your hand • Natural for most people • Convenient to use • No battery • Low cost or luxury design • Jewel and expression of individuality • Water and temperature resistant, allow to take a shower, have a bath 24
Software development and implementation of complex multifunctional projects 25
ALIOTH. Global smartcard projects
Smartcards • ID card • Social card • Mass transit • Loyalty • Campus • Corporate card Services • Consulting • Application development • Integration • Maintenance Off-the-shelf products • Card issue & personalization system • Cards management system • Ticket delivery system • Loyalty system 26
Multifunctional projects: what for?
Benefits for banks • Competitive advantages based on new services • Attracting of new customers (including corporate clients) • Increasing the number of transactions and account balances • Charge for additional services • Promotion and image development
Benefits for governments • New tools for regional services provision • Evidence track for the provided social service • Dynamic database • Analytical option • Fraud reduction • Automatic service tracking • Easy system upgrade and monitoring 27
ID card – Digital identity for citizen
Benefits for users: • Legal confirmed ID • Less fraud and misidentification • Digital signature • Multy-applicative ID card (health, transport, access control, payment, social)
Benefits for the Government: • Biometric authentication • Biometric identification • Voting card 28
Social card
Card features:
• Basic banking services, social benefits • Social tickets for public transport • Electronic digital signature • Secure authorization at the eGovernment portal • Evidence of actually provided services • Identification (access control, medical records, etc.) Consultancy & solutions: • Social card concept development • Cards and applications management system • Embedded software development • Cards personalization service • Loyalty system • Smart Ticket system for mass transit • System integration 29
Mass transit card
Card can be used as electronic ticket for public transport (including subsidized travel). In order to pay for public transport, the cardholder only needs to tap the card on the device (mobile or stationary validator, turnstile) installed in the public transport vehicle. 30 Loyalty card
A universal platform to build complex loyalty programs, which could be depth integrated to merchants enterprise system (gathered non-financial transaction with list of goods).
A wide range of special tools for marketing research and open architecture for easy-connect for partners make the solution ready for quick launch Advantages and capabilities: • Possibility to offer merchants loyalty programs for shoppers based on existing acquiring network: • Motivation for using cards • A brand-new service/solution for merchants • Implementation of a system for personified benefits allocation control in the social projects • Ability to monetize provided services 31
Campus card
Network access
Canteen Travelling allowance
Banking Access services control
E-library
SCOne based cards help to implement all necessary services in the campus cards 32
Corporate cards
Documents flow, digital signature
Electronic certificates
Medical records
Canteen
Material pass
Access control 33
Turn-key solutions for non-financial services 34
SmartTicket
SmartTicket – a secure system for delivery of e-tickets of various service providers, such as public transport operators, event organizers, movie theatres, sports event organizers, etc.
Other services Public transport
Ticket server 1
Smart Ticket Ticket server 2 E-ticket
Ticket server 3 Mifare manager Bank’s infrastructure 35
SmartTicket – Key advantages
• Sales channels extension; • High level protection against fraud; • Security during events is guaranteed by means of identifying each spectator; • A wide network of ticket support – Internet services, banking infrastructure and terminal network infrastructure; • Decreasing number of clients paying their travel fare at ticket offices, that helps to reduce the number of ticket offices staff. 36
CardMaster solution for smart card issue and personalization management
Key features:
• Cardholders personal data management • Card personalization management (including management of personalization equipment) • Card lifecycle status monitoring using single cards register • Card applications management after issuing • Data exchange management within partner ecosystem • Card issuing management CardMaster. Target applications Key advantages:
• Suitable for several devices (smartcard, USB-token, NFC-device, ring, keyfob)
Universities Corporations • Flexible for small or big emission CardMaster • Compatible with various hardware (desktop embossers, industrial personalization machines) • Compliant with payment systems requirements Banks Mass transit • Modular architecture for easy
Government integration with existing systems
CardMaster is a universal solution for smartcard lifecycle management 38
Success stories 39
Moscow Social Card
Since 2014, a Moscow Social Card: • Powered by SCOne OS (secure EMV banking product developed in Russia) • Mifare Emulation • PayPass application using inductive contactless Coil on Module technology from Infineon (improved reliability) • Certified digital signature-application onboard • Laser engraving of the personal data (increased durability) • Issued by several banks More than 6 000 000 new-generation cards produced – the largest project in Russia that brings together payment and ID services in one card! 40
Night Hockey League card
Night Hockey League card – Mastercard Platinum bank payment card with ID-application to access Night Hockey League events.
Implementation: • ID-application storing holder name and photo in a secure way • Card personalization and data update software • Card management software • 3rd party software integration for the financial and non-financial data exchange • Mobile application to read the card in online/offline mode 41 Moscow State University (MSU) Campus • MSU Campus card based on Moscow social card with additional applications • Available campus services: • Holder identification • Access control • Libraries, etc.
Sberbank – Bank No.1 in Russia MSU – University No.1 in Russia Visit us on en.alth.ru Thank you!
26B, bld. 2, Bolshaya Pochtovaya Str., Moscow, 105082, Russia
+7 495 645 4446