This page Data is junk will be Provided Original Data Soon….

Card Production Steps from System
  • Select Card Product (Like VISA,PayPak etc)
  • CVV :
    • Write in mag strip
    • Through HSM
  • CVV :
    • Also Known as pin code which is found in back of card
  • ICVV :
    • User for chip cards same as CVV
  • Personalization :
    • through HSM
      • Key Generation etc

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Types Of Cards
  • Global :
    • Can produce from any Where or any vendor
    • GIT using Global Cards
  • Native :
    • These types of cards are Vendor Specific which only can produce by a vendor which gives you the card
    • Pak Using Native Cards but now converting on Global

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Change PIN and activation using IVR and WEB
  • It is implemented in Global only .. will work for pak
  • Through Web we can activate card using OTP
  • security of web is we are using ID and Password
  • IVR can work with a small code (like ufone have 333) which guides you to what to do next
  • Through IVR we are using OTP through sms to make it secure

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Card Categories
  • Contact only card :
    • Only Contain Chip and magstrip in card
  • Contact less only card :
    • Only Contain NFC in card
  • Duel Interface :
    • Contains Both NFC and Chip/Magstrip in card
    • it is costly
    • we are using this card
Tap and Go
  • NFC cards and its Transactions are called Tap and Go.

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Card Personalization in perso
  • Application Id : which distinguish the Card types, Applications store in Cards and tells you which Card is to Produce like (VISA,Paypak, etc)
    • Pre Perso :
      • Vendor Sends a card with Application ID
    • Perso :
      • We stores Application ID in Cards and tell which Card type to produce in a card
  • DGI : Data Group Identifier
    • Its also includes TLV (Tag Length and Value)
  • Tags : 
    • Stores in TLV (Tag Length and Value)

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KMC
  • Its a Master Key which is provided by Vendor.
DGI and Tags
  • DGI : Data Group Identifier
    • It also includes TLV (TAG, Length ,Value)
  • Tags : 
    • Stores in TLV (TAG, Length ,Value)

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Profiles 17 and 16
  • Profile 17 : 
    • store Tag values
    • also store DGI to differentiate duplicate tags
  • Profile 16 :
    • Definition of Schema DGI and Tags

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PVT
  • PVT : Personalization , Validation , Testing

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First Meeting With Fahad Bhai
  • Entities
    • HBZ / HabibMetro
    • VISA
    • ACS 
      • Service Provider (CA – Technologies -> Vendor)
        • CA is certified with ACS through VISA
      • HTML re-directional Base Pages on ACS
      • Will attach flow image soon …………
  • Some Issues :
    • RBA : Risk Based Authentication
    • FOR 3D secure :
      • Static Password
      • Dynamic Password
      • RBA
    • CAVV Validation :
      • Merchant to VISA
        • VISA Tell, is CAVV is correct or not
        • Do validation and CAVV response sent to Issuer, and issuer tell what to do
        • Do nothing, just Send the CAVV to issuer and issuer tells what to do.