EMV® Kernel Contact or Contactless

Chip Module or KIXCLC

for typical or NFC-based EMV® transactions

The Initial Situation

With the use of chip cards, which can either be inserted into the card reader or just 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 undertaking, particularly due to the physical limitations of smart cards (available memory and processors). Even in modern software development environments, this leads to very low-level programming (partly bit-based). In contrary to the programming challenges of smart cards, the task of the application designer and developer is to implement the application for the defined business processes in a functional and simple 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. Chip Module 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 Chip Module. 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 Chip Module for ATM applications

Additional benefits of KIXCLC and contactless technology

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The implementation

Chip Module 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. Chip Module 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.


Chip Module 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 debit card 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. Read more about the KIXCLC Certification

© SBS Software Ges.m.b.H.