brochure · system of the card holder “something you have”. advantages . ... the specification...
TRANSCRIPT
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Who we are
What is Advantis?
Our identity
Advantages
Family of products
Value applications
Technical specifications
WHO WE ARE
Redsys Processing Services S.L. is the leading processor in the industry of means of payment in Spain. With more than 35 years of experience in the sector, covers the entire cycle of the means of payment offering services of issuance, acquisition and management of fraud. Redsys is at the forefront of the means of payment, generating value for financial institutions, more sales for businesses and more security for card users.
Redsys is much more than a payment processor is the partner natural, par excellence, in the industry of means of payment. With us, your organization has the best guide for the SUCCESS of your projects.
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WHAT IS ADVANTIS?
Advantis is an issuing technology based on EMV standards, whichprovides the entire infrastructure necessary for the paymentprocessing.
Advantis technology focuses on meeting the needs of the marketcombining financial applications in the same platform: Visa,MasterCard and private label, with non-financial applications thatadd value to the issuance of means of payment, such as electronicpurse, electronic signature, transport or loyalty programs.
+160customers
+1.4billion of
cards
+20 yearsof expertise
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MULTI-PROVIDER: Advantis is compatible
with different chips manufacturers and card
providers and personalizers, building a highly
competitive offer and providing greater
possibility of choice.
MULTI-BRAND: Advantis implements
the requirements of Visa, MasterCard
and EMVCo on the same platform, which
results in operative and maintenance cost
savings.
MULTI-INTERFACE: Advantis is available in
different devices: contact cards, dual interface
cards (contact and contactless), wearables and
mobile.
MULTI-APPLICATION: With Advantis,
the financial institutions can add value
to financial products by adding other
applications as electronic purse, digital
signature, transport...
MULTI-PROFILE: the Advantis solutions
can be parameterized and updated with
different profiles depending on the holder and
the needs of the issuing financial institutions.
OUR IDENTITY
01. FLEXIBILITY
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Advantis led the EMV migration in different regions of the world, from its start with the electronic purse.
More than 20 years of expertise.
Totally integrated solution in the chain of value: in the acquirer, in the processor and in the scheme.
02. RELIABILITY
Advantis participates actively in all the value chain of the issuance process, providing support to suppliers and customers.
03. SUPPORT
Based on the different international standards, in which Advantis actively participates in their development and evolution.
OPERATINGSYSTEM
Advantis is based on the latest technologyavailable.
CHIPMANUFACTURER
Advantis provides support to the cardmanufacturer, throughout all the adoption process.
CARDMANUFACTURER
Unique technology that simplifies personalizationprocesses: EMV data preparation, generation of the file of customization, etc.
PERSONALIZER
Advantis gives you support from the definition of the product profile, untilthe design of value added applications.
FINANCIALINSTITUTION
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· Cost saving
· Competitive price
· Economy of scale
ECONOMIC
· A single technology
for all platforms
· Open configuration
· Latest specifications
TECHNICAL
· Multiple card brands
· Multiple chips, cards
manufacturers and
personalizers
OPERATIONAL
· Structure created with the main
personalizer and developing companies
· Support through all the value chain
IMPLEMENTATION
ADVANTAGES
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Advantis Contactless through contactless interface, provides a high level of service in environments where
speed and security are key factors.
Advantis Wearables is focused on the issuance of payment products based on other different devices to cards such as bracelets, key rings,
sticker, etc.
Advantis Movil converts a mobile phone into a payment device, allowing the storage and transmission of data in a secure way through tokenization,
HCE.
Advantis Online allows offline transactions without encryption, yet
providing high level of security against fraud. This allows the emission of a product with SDA authentication but with full control of the financial
institutions to resolve the transaction.
Advantis Private allows the emission of an EMV product under
a private brand due to its CPA application (Common Payment Application) defined by EMVCo.
Advantis Crypto adds a robust authentication for those environments
where there is no communication with the issuer. It supports PKI applications used
for digital certificates.
ADVANTIS FAMILY“A product for every need”
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APPLICACIONS PRODUCTS
DIGITALSIGNATURE
Advantis CryptoVisa
Advantis CryptoMaterCard
BANKINGSERVICES
ANDRETAIL
AdvantisOnlineDúo
AdvantisOnline Dúo
Flash
AdvantisOnllineVisa
AdvantisCryptoDúo
Advantis CryptoVisa
Advantis Crypto
MasterCard
Advantis Contactless
Duo
AdvantisContactlessVisa Cash
AdvantisContactless
Visa
AdvantisContactless
Trio
TRANSPORT Advantis ContactlessTransport
MOBILE Advantis Mobile
PRIVATE/DOMESTIC BRAND
Advantis PrivateCrypto
Advantis PrivateContactless
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VALUE APPLICATIONS
Electronic purseRechargeable prepaid application based
on the storage of money or points.
Advantages
Avoid congestion at payment points
Security and control of expenses
Problems of change and lack of coins are eliminated
Uses
Tourist cards
Prepayment (transport, vending)
Season ticket (shows, leisure)
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Digital signatureThe digital signature application allows citizens and Public Administrations to
carry out electronic transactions through the network with maximum security.
Advantages
Greater security
Physical and logical identification
Incorporate digital certificate
Documents signature
Uses
Business cards
Civil servant cards
Health cards
Collective card (lawyers, architects ...)
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Transport Application used for access and use of the
transport network where speed and simplicity are key factors.
Advantages
Quick, reliable and comfortable
Allows access control
Short transaction time
Uses
Transport card
Public services card
University card
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Loyalty programsDue to the proprietary application of the electronic purse, Advantis allows the development of loyalty
programs, in order to offer bonuses and special offers to customers.
Advantages
Provides added value to customers
Improve customer experience
Allow access control
Uses
Loyalty cards
Access control cards
Gift cards
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FIDO Application It is a standards based on interoperable global authentication
standard that improves security through a double authentication system of the card holder “SOMETHING YOU HAVE”.
Advantages
Provides universal specifications
Improves password management
Worldwide consortium of leading technology companies
Uses
Authentication Home Banking/Wallet
Bank Transfers
Online Payments
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CPACE ApplicationCPACE (CPA Contactless Extension) is a set of specifications
built under the EMV CPA standard that adds the specifications for contactless payments and mobile payment. The specification has been created by ECPA, the main European card schemes and
Redsys.
Advantis is the first solution to implement CPACE for the issuance of MultiAID products.
Advantages Uses
Open specification with no license costs for the issuance of a domestic
scheme or private brand.
It allows the independence of international brands however coexists
on the same chip with them.
It provides the entire security infrastructure of an EMV chip.
Private Brand Card
Domestic ID Card
Loyalty Card
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Payments Innovation
Advantis is at the forefront of the means of payment industry by offering to financial institutions and other issuers the latest trends in the sector providing the best user experience to the customer.
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Advantis Online Duo
STM
SB23ZE04, SB23ZE08,SB23Z012
RFI
Native
Contact
4,8, 12K ROM
Non off-line authentication (NO ODA)
EMV 4.3
VIS 1.5.4, M/Chip4 v1.1b
Visa: 15/04/2025 Mastercard: 27/11/2019
Electronic purse 3DES SECURE, data storage, OTP applications
Native
18 cryptogram, 3DES security
Category
Supplier
Chip
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
Advantis Online Duo Flash
Infineon
SLE77CF1840P
SM80
Native
Contact
26K Flash
Non off-line authentication (NO ODA)
EMV 4.3
VIS 1.5.4, M/Chip4 v1.1b
Visa: 08/07/2023 Mastercard:18/12/2019
Electronic purse 3DES SECURE, data storage, OTP applications
Native
18 cryptogram, 3DES security
Advantis Online Visa
Infineon
SLE77CF1204P
SM85V
Native
Contact
5K Flash
Non off-line authentication (NO ODA)
EMV 4.3
VIS 1.5.4
Visa: 22/01/2028
Data storage, OTP applications
Native
18 cryptogram, 3DES security
TECHNICAL SPECIFICATIONS
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Advantis Crypto Duo
Infineon
SLE77CFX1840P
SM79B
Native
Contact
11K FLASH
DDA/CDA
EMV 4.3
VIS 1.5.4, M/chip 4 v1.1b
Visa: 08/07/2023 MasterCard: 15/12/2019
Data storage, access control, OTP applications
Native
3DES security
Category
Supplier
Chip
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
Advantis Crypto Visa
STM
SC23ZO18
RFJ
Native
Contact
18K ROM
DDA/CDA
EMV 4.3
VIS 1.5.4
Visa: 15/04/2025
PKI, Electronic purse, access control, data storage, OTP
applications
Native
Native
Advantis Crypto MasterCard
STM
SC23ZO18
RFN
Native
Contact
18K ROM
DDA/CDA
EMV 4.3
M/Chip Advance V1.2.1
MasterCard: 10/02/2020
PKI,Electronic purse, access control, data storage y OTP
applications
Native
18 cryptogram
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Advantis Crypto Duo
Infineon
SLC32PCA300
SM88
Native
Contact
18K FLASH
DDA/CDA
EMV 4.3
VIS 1.5.4, M/Chip Advance 1.2.3
Visa:30/01/2029 MasterCard:25/04/2022
Electronic purse
Native
10, 18 cryptogram
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Supplier
Chip
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
Advantis Crypto Visa
STM
SC23ZO18
RFL
Close JavaCard V 2.2.1 y GP 2.1.1
Contact
18K ROM
DDA
EMV 4.3
VIS 1.5.4 Visa applet 2.8.1G
Visa: 15/04/2025
OTP applications
CPS
10, 18 cyptogram
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Java Technology
Category
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Advantis Contactless Visa/Transport
Infineon
SLE77CLFX2400PM/ SLE77CLFX2407PM/SLE-77CLFX240APM
Full antenna/ Half/ COM
SM70V/ SM82V/ SM83V2
Native
Dual Interface
4K FLASH
Fast DDA/CDA
EMV 4.3
VIS 1.5.4, VCPS 2.1.2
Visa:20/12/2023
Data storage, access control, OTP applications. Possibility of incorporating the Mifare transport
application
Native
3DES security
Category
Supplier
Chip
Antenna
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
Advantis Contactless Visa Cash
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Advantis Contactless Duo
Infineon
SLC32PDA348
COM
SM87CV2
Native
Dual interface
18K Flash
DDA/CDA
EMV 4.3
VIS 1.5.4, VCPS 2.1.3 / M/Chip Advance 1.2.1
Visa:09/12/2028 // MasterCard:03/09/2021
Access control, data storage, OTP applications
Native
18 cryptogram
Infineon
SLC32PDA268
COM
SM90
Native
Dual Interface
18kb Flash
DDA/CDA
EMV 4,3
VIS 1.5.4, VCPS 2.1.3
December 2028
Electronic purse, data storage, OTP applications
Native
10, 18 cryptogram
2020
Java Technology
Advantis Contactless Visa
STM
SR31ZD22
SPS/FOIL
RFM/RFO
Close JavaCard V 2.2.1 y GP 2.1.1
Dual Interface
22K ROM
Fast DDA
EMV 4.3
VIS 1.5.3, VCPS 2.1.2 App 2.8.1F1
Visa: 30/04/2025
Applications OTP
CPS
3DES security
Advantis Contactless Trio
STM
ST31G480
SPS
RFP
Java
Dual Interface
18K
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EMV 4.3
VIS 1.5.4, VCPS 2.1.3, App 2.8.1GM/Chip Advance 1.2.1//CPACE Dual DIC V1.0
Visa:24/04/2027 MasterCard:06/08/2021
FIDO U2F, applications OTP
CPS
18 cryptogram
Category
Supplier
Chip
Antenna
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
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Advantis Private Crypto Category
Supplier
Chip
Commercial reference
Platform
Interface
Memory
Authentication
Specifications
Financial applications
Certifications
Non-financial applications
Personalization
Cryptographic characteristics
Advantis Private Contactless
Infineon
SLE77CLFX1840P/SLE77CLFX1847P/SLE77CLFX184AP
SM81CL
Native
Dual interface
16K FLASH
DDA/CDA
EMV 4.3
CPA V1.1
Not applicable
OTP applications, data storage
CPS
5 cryptogram, 3DES security
Infineon
SLE77CFX1560P
SM81
Native
Contact
13K FLASH
DDA/CDA
EMV 4.3
CPA V1.1
EMV: 30/04/2020
OTP applications, data storage
CPS
5, 6 cryptogram, 3DES security
Any Kernel EMVCompatibility MasterCard Kernel 2 and AID private
Advantis Private Crypto
Infineon
SLC32PCA248
SM89
Native
Contact
18K FLASH
DDA/CDA
EMV 4.3
CPA V1.1
16/07/2022
OTP applications, data storage
CPS
5, 6 cryptogram, 3DES security
Any Kernel EMV
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Integration of different payment solutions
HCE card payments
Immediate payments with account (on-site, peer to peer, etc.)
Deferred payment for issuer
Others
Tokenization
Mobile Payment-NFC with Secure Element:
Apple Pay
Samsung Pay
Mobile Payment - NFC with HCE:
iupay!
Redsys HC Platform
Android Pay
Inmediate Payments
NFC presential payment, throught ofIBAN tokenization
Acquiring Tokenization
E-commerce. One-click payment
Mercadona, Repsol, El Corte Ingles…
Management of usage profiles for each payment method
Card payments and instant account payments
Card roaming (national/international, channel, etc…). Use of card filters.
Multichannel use control (on-site payment, CES, mobile)
Activation of payment services (immediate payments, HCE, ApplePay, Samsung Pay)
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Redsys, S.L.Francisco Sancha, 12 28034 Madrid, Espana Tel: +34 91 346 55 00
[email protected] www.redsys.es