Smart Card Management Innovation Card Management Innovation-Shinhan Card Case Study May, ... LG Card 2001 2006 2007 ... Read the Chip and mix the information of the CoreSCMS

© 2009 IBM Corporation

Smart Card Management Innovation- Shinhan Card Case Study

May, 07. 2009

2

IBM CoreSCMS

Shinhan Case © 2009 IBM Corporation

ContentsKSSL Introduction

What is IBM CoreSCMS

SCMS Market in Korea– Shinhan Card was one of the earliest companies in the world to adopt SCMS

Shinhan Card Case– First Release, 2005

– Second Release (OTA Service Support), 2007

– Shinhan Day2, 2008 & Current

3

IBM CoreSCMS


KSSL Introduction

WWMarket

WWIndustry

Solutions

WWSW Acquisitions

CloudSolution Center

CloudSolution Center

FinanceS/W Solution Center

FinanceS/W Solution Center

TelcoS/W Solution Center

TelcoS/W Solution Center

IndustrialS/W Solutions

IndustrialS/W Solutions

Cross-BrandS/W Solutions

Cross-BrandS/W Solutions

Impact business with moreIndustryCoverage

Impact business with more solutions in each focused industry

Leading-EdgeMarket Requirements

Right Solutions

Korea Software Solution Lab.

Identify& RemoveGaps

WW SWG Solution & Products

IBM SW Group announced the launch of Korea Software Solutions Lab in April 2007. It consists of three solution centers:

4

IBM CoreSCMS


What is IBM CoreSCMS

Card and Applet Lifecycle Mgmt.

Card Holder Support

Reporting

Card Product Design & Building

Post-Issuance Support

VALID FROM

VALID FROM

GOOD THRU

01/20001/2000

01/2003

CardIssuerCardCardIssuerIssuer

VALID FROMVALID FROM

GOOD THRUGOOD THRU

01/200001/2000 01/200301/2003John J. DoeJohn J. Doe

4321 076543 789994321 076543 78999

Card Component Mgmt. ….---,,,,

Key Mgmt.

==

IBM CoreSCMS provides management of the overall card lifecycle including card issuance and post-issuance and customer support service.

Issue Mgmt.(Mass Issuing or Instant Issuing)

5

IBM CoreSCMS


SCMS Market in Korea

SCMSKT Corporation

2002 2003 20052004

Credit/Debit Appl.I-Cash Electronic PurseLoyalty Ticketing

…1.6 million GlobalPlatform cards

2.5 million mobile subscribers are using this mobile banking function

Mobile Banking Service

Money transferBalance checking

Moneta Card

SK Telecom•EMV credit (issued chip)•Visa Cash e-purse•SKT membership•Loyalty (OK Cash bag)•Mifare (in separate contact less chip)

Online BankingStock Auction

Online / Offline Payment

LG Card

2006 20072001

LG Card SCMS

OTA

USIM enabled 3G phone

CoreSCMS launching

SKT Telecom is largest Telecom Company in Korea. Market share is 51.1%

35 million handsets

T-Money

KTF Telecom



400,000 dongles4.8 million handset

Telecommunication companies achieved increased market share and profit as end-users increased usage of their handsets.

Visa reports that banks were also able to increase their market share and reduce costs by,

providing improved quality customer service

decreasing the need for direct customer care.

6

IBM CoreSCMS


Shinhan Card : A Global LeaderAsia’s 1st Card Company, 15th Card Company globally

Card holder : over 13.7 M

<from Nilson report, Dec. 2007, Unit : USD bn>

7

IBM CoreSCMS


Shinhan Card Case StudyShinhanShinhan Card Case StudyCard Case Study

First Release, 2005I

Second Release (OTA), 2007II

Shinhan Day2, 2008 & CurrentIII

8

IBM CoreSCMS


Shinhan Card CoreSCMS Release

GoalProvide Instant Issuance capabilitiesAdd new interface and integrate with another AMSMass Instance Integration Acceptance testMigration of Existing Card Products

GoalAdd the Issuance Channel with Mobile phone for the VSDC ApplicationAdd OTA Service for VSDC with one Mobile Company (SKT)

GoalIssuance System IntegrationDB MigrationCompliant Global PlatformEfficient IT & Business System

Duration : 5 MonthsDuration : 1 MonthDuration : 8 Months

Shinhan Day2, 2008Second Release, 2007First Release, 2005

9

IBM CoreSCMS


Shinhan Card CaseShinhanShinhan Card CaseCard Case




10

IBM CoreSCMS


Why Shinhan Card choose CoreSCMS, in 2005

Shinhan Card requested to solve 4 major problems of their legacy system.3 Principles : 1) Issuance System Integration & DB Migration, 2) Complaint Global System, 3) Efficient IT & Business System.

IBMIBMCoreCoreSCMSSCMS(Smart (Smart CardCard

Mgmt.Mgmt.System)System)

Factor of the SC

MS

Factor of the SC

MS

Migration with whole IC System

Basic P

rincipal

Basic P

rincipal

Host : Extension of Mgmt. Factor

Issuance : Make Applet composition

Compliant Global Platform

Efficient Management Chip& Card product

CMS should integrate IC Legacy System

Customer : Post Issuance System

System Integration

IC Card Product

DB Migration

11

IBM CoreSCMS


Shinhan Card Status before & After CoreSCMS

In Shinhan Card, there was no IC Card issuance management System with 1,090,000 EMV Cards since 2004.In 2005, 23.7 % of all cardholders had EMV cards.Shinhan Card had to establish an efficient IC infrastructure

because of IC card introduction by Government, EMV conversion

PC

Host (Main Frame)

EPMS

File Server

Perso. PCUBIQ

Bureau

Issuer

SKT Moneta

KT 1’ts Card

MMAA Card

E-Money Card

IT Cen

terP

ersoB

ureau

Host (Main Frame)

Bureau

IT Cen

terP

ersoB

ureau

File Server

SCPM

HSMKMS

PC

IBM CoreSCMS

12

IBM CoreSCMS


Shinhan Card (formerly LG Card) SCMS since 2005

Since 2005, Shinhan has issued over 30 card products via CoreSCMS and they are continuously adding new card products without having to make any changes to CoreSCMS

Debit

GPIN

E-Cert

SKT

MemberCard

MMAA

VCASH

Mobile

CheckCard

PIMS

Medicine

KTGM

Loyalty

ZOOP

Total 37Application

(2005)

JCOP 10

JCOP 20

SLE661QCR2

Total 11 Chip(2005)

CardPerso.

<2005>

13

IBM CoreSCMS


Central issuance systemIssuance System is centralized.If the new issuance channel is added, Core-Engine can be used and add the channel only.

Branch PCIntelligent

Device

Card IssuerCard Issuer

CoreSCMS

Internet Channel

PC Customer

Mobile Channel

Request IssuanceIssuance

Channel…

Phone user

Support

Various ChannelSCMS Administrator

1. IBM

2. Dreamsoft

3. M-Bank

4. E-Wallet

Select

[ ID Card ]

Options Back

Details

Delete

Block/Unblock

Update

Details

Delete

Block/Unblock

Update

Mass Issuance System

14

IBM CoreSCMS


Post Issuance via WebPost Issuance Web Page, Read the Chip and mix the information of the CoreSCMSSystem.

15

IBM CoreSCMS






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IBM CoreSCMS


OTA System (Financial Side OTA Case)First Card Issuer is Telco. OTA System of Telco. has the role of downloading VM and load/install card applet. Second Card Issuer, Financial Company has the module of VSDC application issuance and DL Server for communication with VM on Mobile

Telco Company

CoreSCMS

Wireless Networking

Financial Company

OTA System

TLS Security Zone

SOAP EAI(MQ)

Legacy System

UICC Card

TLS SecuritySEED (128 bit)RAS (1024 bit)

WAP Browser,VM Program

Dedicated Line

GP MessageEncrypted Data

DLServer

(PI)

DLServer

(PI)

SD Key

ISD Key

Applet Load/Install

Applet Personalization

17

IBM CoreSCMS


OTA Service on the Phone •First Request for the Issuance : CoreSCMS checks the card instance status

•Password, CVC verification and Second issuance : If there is no problem, then send the APDUs to requester

18

IBM CoreSCMS






19

IBM CoreSCMS


Shinhan Card SCMS migration, since 2008. Shinhan Card acquired LG Card. IBM CoreSCMS manages the issuance process including the new Instance Issuance

Windows NTWindows NT

Instance Perso. at Branch OfficeInstance Perso. at Branch Office

e-Biz Channel System

e-Biz Channel System

IBM WebSphere V6, IBM DB2 V8.2, AIX V5IBM WebSphere V6, IBM DB2 V8.2, AIX V5

CoreSCMSCoreSCMS

PISPIS

Local Vendor AMSLocal Vendor AMS

KMSKMS

HOSTHOST

CAMS

Issuance Process Mgmt.Personalization Module

Reporting

Eracom HSMEracom HSMMaintain Key Life Cycle Crypto Service

Issuance Order:Basic Part + IC Personalization Part

Issuance Order:Basic Part + IC Part

Upload Issuance Audit File

Channel Push

Add/Delete/Update

ofApplication

& Data

Card/Appl.Info.

AD2000 DC280Instant issuance PC

Data Preparation ModuleCard Component Profile

“Secured Perso Channel”

ProfileValidation & Sync.

Issuance Result Update

Perso. ProxyChannel Server

Billing I/F

ApplicationProvider

ApplicationProvider

Card IssuerCard Issuer

FTPTCP/Socket

EAI ChannelEAI

D.P.Request

Perso. Audit

Perso. BureauPerso. BureauSCPMSCPMPerso. Proxy

Issuance Order:IC Personalization Part

Issuance Order:Basic Part

PC

Send Audit Data Automatically

D.P.Response

20

IBM CoreSCMS


Business Enhancements after CoreSCMSCoreSCMS provides the basis to promptly and effectively respond to various business requirements.

Comprehensive Customer Service of the Issued Cards

Prompt Introduction of Card Products & Card Product

Portfolio Mgmt.

Fast Online Processingof the Issued Cards

Post Issuance ServicePull via SCMS Administrator

Internet Self-ServiceCard Issuing Process

Monitoring & Mgmt. System

Key Elements ofSmart Card System

21

IBM CoreSCMS


Business BenefitShinhan Card started Smart Card Instant Issuance through successful deployment of IBM CoreSCMS as well as Mass Issuance

– Number of Instant Issuances doubled after deployment

– With this process model, CoresSCMS is now scaling to over 20,000 instant issuances and over 40,000 mass issuances per day.

Shinhan Card expands the service via mobile– OTA Service is supporting the 3 Telco. Companies in Korea

– OTA Card holder is increasing more and more.

– 150 – 200 OTA issuance per Month

22

IBM CoreSCMS


Thanks

23

IBM CoreSCMS


Loyalty Usage with NFCWith NFC readable smart poster, chip update the point

Smart poster

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IBM CoreSCMS


ID Check with the NFCCheck the ID value inside of the Cardlet. If the id & password information is correct, the device ready the chip information just select APDU command from the ID Check device.

Id/password OK

Id/password not OK

Documents

Smart Card Management Innovation Card Management Innovation-Shinhan Card Case Study May, ... LG Card 2001 2006 2007 ... Read the Chip and mix the information of the CoreSCMS