EMV® Kernel Contact or Contactless

Chipmodule or KIXCLC

for classical or NFC-based EMV® transactions

The Initial Situation

With the use of chip cards, which either be inserted into the card reader or only tapped on an NFC reader, banks are increasingly establishing procedures that improve transaction security. Nevertheless, the communication with the chip on smart cards is still a difficult task, particularly the physical limitations of smart cards (available memory, available processors) even in modern software development environments lead to very hardware-related programming (partly bit-based). In contrary to the low-level functions offered by smart cards, the task of the application designer and developer is to implement the application for the defined business processes in a functional and as simple as possible manner.

The Idea

In order to provide the application developer with a proven and tested method of implementing business process models, it makes sense to combine the functionality offered by the chip cards and EPPs (Encrypting Pin Pads) into defined functional packages. This allows the application developers to access the financial functions of the smart cards without burdening themselves with the details. The Chipmodul connects with the chip card after inserting the card into the card reader. From this moment on, the functions of the customer chip are available to the application via the convenient interface of the Chipmodule. The same thing happens when the customer taps with his card or an NFC-enabled mobile phone on the NFC reader.

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Advantages of the Chipmodule for ATM Applications

Additional benefits of KIXCLC and contactless technology

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The implementation

Both the Chipmodule and KIXCLC consist of basic modules, functionally sealed plug-in modules and divided in one (contact-based) or several (contactless) EMV® kernels. The basic modules include the control logic for the operation of the functions, as well as the control of the various devices. The EMV® kernels implement the functionality defined by EMVCo when accessing the chip cards. The plug-in modules implement the country-specific extensions of the EMV® standard and characteristics for different countries (for example: reading different card information, different PIN block formation in Austria and Germany. The Chipmodule and KIXCLC were developed in Java but can also be used in other system environments (e.g., .NET) and are available for all current Windows operating systems.

References

Chipmodule is already installed in Europe on more than 44,000 ATMs and is regularly adapted and recertified to the latest EMV® standard.

The approval of NFC-enabled ATMs is still in its infancy in Europe, nevertheless KIXCLC is already installed on several hundred ATMs in Austria and allows domestic and foreign customers to use a bankcard or NFC-enabled mobile phone to make contactless ATM transactions.

KIXCLC has already reached a MasterCard and Visa approval and is ready to handle contactless transactions according to the EMV® Standard. Find more about KIXCLC Certification

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