1. Wisecard Technology Co., Ltd EMV Chip Card Issuance System--- SmartPersoWare

2. 2 3. EMV Card Issuance System 4. Marketing and Other Products Content 2. Chip Card Issuance Background 1. Company Introduction

3. 3 Company Introduction Wisecard Technology Co., Ltd. specializes in EMV/PBOC2.0 card issuance technology, EMV/PBOC2.0 PVT tool, Smart card COS and Applet development. Wisecard have R&D in Shenzhen and Sales office in Hong Kong, authorized resellers and partners around the world. Our technical team has more than 7 years experience in EMV chip card issuance and EMV migration.

4. Why Choose Us ？ Experienced Team Global Offices Fast Delivery Wisecard Team

5. 5 Products and Services Wisecard provide complete solutions for partners and customers around the world. Mass/Instant Issuance System Card Image System Chip Card COS, Applet Development Printer Control Software CMS/DMS/TMS Management System

6. 6 Wisecard also authorized resellers for kinds of printers and PVT tools. Collis/Barnes PVT Tool Evolis, CIM Printers

7. 7 3. EMV Card Issuance System 4. Marketing and Other Products Content 2. EMV Card Issuance Background 1. Company Introduction

8. 8 EMV Card Market EMV Migration EMV Migration International Development International Development Risk Transfer PBOC Government CUP Europe, Asia Migrating, more than 700million cards issued Block international credit card crime Global China Start issue chip card from 2015 Improve issuance and acquiring system Unite social insurance, hospital 1 23 1 23 EUROPAY MASTERCARD VISA Launch the migration policy EMV Migration is very important and vital to block credit card fraud; Chip card also support multi applications; this is great benefits to customers. Worldwide Chip cards migration

9. 9 3. EMV Card Issuance System 4. Marketing and Other Products Content 2. EMV Card Issuance Background 1. Company Introduction

10. 10 Card Issuance Process 1. Issuer select Applet; 2. Bureaus select cards and cards sent to perso bureaus; 3. Issuer produce traditional perso data; 4. Data sent to perso bureau and proceed to SmartPersoWare Data Preparation process, to be ready for perso. 5. After DP, SmartPersoWare will use CI to perso the cards, then cards to be sent to card holders. Select AppSelect Card Generate Data DP CI Production Card

11. 11 SmartPersoWare System Structure JOB management HSM DP KMS CI printer HSM JOB management Key management Data Preparation Card issuance Structure

12. 12 SmartPersoWare Security System SmartPersoWare has 5 groups to control their access to the card issuance system, the super admin assign priviliges to each group; Admin ： Super Admin SO: Security Officer, control System security DPO: For Data Preparation CIO ： for Card Issuance Auditor ： for Auditing

13. 13 KMS: Key Management System – DES ： LMK,ZMK, KEK management; DES key generate/import/export; – RSA ： RSA key generate/import/export ， encryption/decryption; – Certificate ： self-signed cert ， import/export ， CA verification; – Key Management ： Key inject/export ， support key for different banks and BIN, provide key info for DP and CI ID authenticate audit config DESRSA Cert Key Management Key Calculate HSMHSM HSMHSM Key management

14. 14 Job: Job manage system Select Platform first,then create job file, modify/import the public and private data to the job system. Create Job Select Platform&Tempalte Job file Chip data manager Chip Image DES key RSA key Certificates KMS&HSM Job template is the MastCard/Visa/PBOC personalization template, You can add/delete/modify the tag and value based on this template to make your perso job. You can mange Data Group Indicator and DGI tags in this section Issuer/Bank provide the perso keys: DES ， RSA ， Certificates

15. 15 DP: Data Preparation DP Production data (Personal data ） Job file Output file HSM SmartPersoWare create database with personal data which get from Issuer. SmartPersoWare will provide chip data from JOB file; Perso Data will be ready after DP process

16. 16 CI: Card Issuance System Printer send APDU to perso card. Exchange APDU Chip Card Printer DP output SmartPersoWare has PVT tool ， it can self check the card before distribute card 。 Card issuance Interface Input data

17. 17 3. EMV Card Issuance System 4. Marketing and Other Products Content 2. EMV Card Issuance Background 1. Company Introduction

18. 18 Applications Industry End User Company Social Insurance; Bus; Water/Elec NFC; …… Hospital; School; Taxi …… E-Purse; Prepay ……

19. 19 Our Customers Mchip advance CPA&VSDC MULTOS Diners JAVA PBOC2.0

20. 20 Other Products Chip Card COS, Applet Development Printer Control Software CMS/DMS/TMS Management System

21. 21 Contact us Contact us : Wisecard Technology Co., Ltd.(Hong Kong) Add: Flat B2, 8F, Chong Ming Building, 72 Cheung Sha Wan Road, Kowloon, Hong Kong Tel: +852-5461 1229 Email: sales@scardtech.com Website: http://www.wisecardtech.com