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MasterCard Smart Card Strategy. MasterCard International Payment Brands. Martyn Cooper Global Platform Symposium - August 2002. MasterCard A Global Smart Card Leader. . At Q2 2002, 125 million MasterCard -, Maestro-, Mondex-, and Clip -branded cards had been issued worldwide.

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mastercard smart card strategy

MasterCard Smart Card Strategy

MasterCard International

Payment Brands

Martyn Cooper

Global Platform Symposium - August 2002

slide2
MasterCard

A Global Smart Card Leader

At Q2 2002, 125 million MasterCard-, Maestro-, Mondex-, and Clip -branded cards had been issued worldwide

  •  Already 1/10 of total MasterCard
  • card base
  •  98 members in 32 countries
  •  Over 50% carried value-added applications

Global Platform Symposium

total number of banking smart cards
Total Number of Banking Smart Cards

+59%

Source: Celent, October 2001: Smart Cards in US Banking: Is the Chip Hip?

Global Platform Symposium

smart card migrations
Smart Card Migrations

EMV Migrating/In Progress

EMV Committed/Planned

EMV Analyzing

Global Platform Symposium

slide5
Europe 2001/2002

EMV Migrating/In Progress

EMV Committed/Planned

EMV Analyzing

Iceland

Finland

Norway

Sweden

Estonian

Latvia

Denmark

Ireland

Russia

Littuania

UK

Netherlands

Germany

Belgium

Poland

Lux.

Ukraine

Czech Rep.

Slovakia

France

Austria

Switzerland

Hungary

Slovenia

Italy

Croatia

Portugal

Spain

Turkey

Greece

Israël

Indicates few banks / processors implementing EMV, not entire country

7

PROPRIETARY & CONFIDENTIAL

asia pacific 2001 2002
Asia Pacific 2001/2002

Jp

SKor

China

Tai.

India

HK

Phil.

VNam

Thai.

Thai.

Mal.

SL

Sing.

Indonesia

Australia

EMV Migrating/In Progress

NZ

EMV Committed/Planned

EMV Analyzing

Global Platform Symposium

middle east africa 2001 2002
Middle East/Africa 2001/2002

Leb.

Kuw.

Egypt

SAr.

Nga.

Gha.

Moz.

Zim.

EMV Migrating/In Progress

EMV Committed/Planned

SAfr.

EMV Analyzing

Global Platform Symposium

latin america 2001 2002
Latin America 2001/2002

Mex.

Costa Rica

Ven.

Col.

Ecuador

Peru

Brazil

Bol.

Par.

Chile

Arg.

EMV Migrating/In Progress

Uruguay

EMV Committed/Planned

EMV Analyzing

Global Platform Symposium

north america 2001 2002
North America 2001/2002

Key Members are both issuing and planning to issue EMV smart cards, though no national migration isplanned.

EMV Migrating/In Progress

EMV Committed/Planned

EMV Analyzing

Global Platform Symposium

onesmart mastercard
OneSMART MasterCard
  • Highly flexible umbrella strategy for helping members introduce smart cards in cooperation with MasterCard
    • Based on extensive consumer research
    • Reflects MasterCard’s approach of providing comprehensive support and flexibility to members
    • Members can choose application set, platform, security strategy, chip size, and card designs

Global Platform Symposium

onesmart mastercard1
OneSMART MasterCard

MasterCard Role

  • Assist members in end-to-end implementation
    • Opportunity identification
    • Business requirements
      • Process requirements
      • Support
    • Program development
    • Program launch
  • Work with industry to improve the state of the art
    • Standards and specifications
  • Maintain alliances/relationships with best in class vendors

Global Platform Symposium

value added applications
Value-Added Applications

Key To A Positive Business Case In Many Markets

  • Data Storage
  • Ticketing
  • Couponing
  • Loyalty
  • Authentication (non-payment)

Enable issuer differentiation and enhanced functionality

Global Platform Symposium

value added applications1
Value-Added Applications

The Business Case

  • Grow GDV by
    • Improving acquisition, usage, retention
  • Increase the account’s lifetime value
  • Add new fee services
  • Leverage non-payment opportunities
    • Partner business process improvement
    • Reduced inefficiencies or fraud

Global Platform Symposium

value added applications2
Value-Added Applications

Developing The Business Case

  • MasterCard has developed a business case tool to model:
    • Specific opportunities
    • Multi-application programs
    • Multi-party programs
  • This model works in concert with the MasterCard chip payment models developed by EPI
    • These models will be merged

Global Platform Symposium

platform flexibility
Platform Flexibility
  • MasterCard is only payments association to actively support all major chip platforms
  • MasterCard M/Chip™ available on MULTOS, JavaCard, and proprietary platforms

Global Platform Symposium

platform flexibility1
Platform Flexibility
  • MasterCard is a member of both MAOSCO and Global Platform
  • Committed to creating a universal platform/ infrastructure that will make it easier for members to issue multi-application cards

JavaCard

Global Platform Symposium

flexible issuance options
Flexible Issuance Options
  • Via ‘MULTOS Issuance Partner’
    • Indirect relationship with MULTOS key management authority (KMA) via MIP
    • MIP interacts with MULTOS KMA on card issuer’s behalf
    • May upgrade to direct relationship if required
  • ‘Standard’ card issuer
    • Direct relationship with the MULTOS KMA operated by MXI and within the ‘Global’ MULTOS Domain
  • Co-located MULTOS KMA
    • Managed by MXI KMA on card issuer’s behalf
  • Private domain MULTOS KMA
    • Licensed by MXI (complete software/hardware solution)
    • Operated by card issuer themselves or trusted 3rd party

Global Platform Symposium

mastercard global platform
MasterCard/Global Platform
  • MasterCard staff assigned to Global Platform Standing Committees and relevant working groups
  • Candidate nominated to chair re-launched Business Requirements Working Group
  • Facilitated Card and Application Management System (CAMS) contribution
  • Evaluating additional security contributions

Global Platform Symposium

mastercard objective
MasterCard Objective

Broaden Global Platform (GP) scope to embrace all open, industry technologies, including asymmetric approaches

  • In particular, aspects of MasterCard’s MULTOS experience
  • But not necessarily prescriptive MULTOS, rather a class of solutions of which MULTOS is one
    • There could be others

Global Platform Symposium

slide20
Possible/Desirable Outcome

MULTOS

Card Manager

Open Platform

Card Manager

Open Platform

Card Manager

Today

MULTOS API

Java Card API

Microsoft API

MULTOS O/S

Proprietary O/S

Microsoft O/S

Extended Global Platform

Card Manager

Future

MULTOS API

Java Card API

Microsoft API

MULTOS O/S

Proprietary O/S

Microsoft O/S

Global Platform Symposium

java tisation of multos the goal
Load mechanismJava-tisation of MULTOS - The Goal

applet

Card specific

loader

Card specific

loader

Same Terminal Functionality

Global Platform Symposium

our contribution context
Our Contribution Context
  • Meaningful contribution on viable terms:
    • Intent for IPR terms to be normal GP practice, if at all possible
    • Minimal pre-conditions or constraints
    • At scope and level appropriate to GP
  • CAMS terminology will be adopted
  • ‘GP’ style technical authoring style to aid and speed review and debate in working groups
  • Timed to fit with next iteration of specifications

Global Platform Symposium

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