Case studies : Crédit Agricole / CardInk Solution

Crédit Agricole has undertaken one of the world biggest EMV issuing project to date.
Cryptomathic and Bull : A successful collaboration...

Crédit Agricole has undertaken one of the world biggest multi-application EMV issuing projects to date by adopting the data preparation software CardInk. Cedicam (Credit Agricole subset dedicated to automated Payment Systems) is one of the largest bank in Europe.
 
With CardInk solution, Cedicam is also one of the first to implement Common Personalization (standard endorsed by EMVCo) and Dynamic Data Authentication (DDA).
 
Bull has played a key role in upgrading the card product platform to the EMV, and has been able to meet the challenges by offering the highest level of flexibility under security and costs constraints.
 
Bull is here the Prime Contractor and provides technical support and has gained professional skills in EMV migration.

Cedicam issues multi-application smart cards, which carry the French application B0’ and Moneo E-purse as well as both a domestic and an international EMV applications.

 
Solution overview
 
The production involves a number of entities. CardInk performs the data preparation and the magnetic stripe data is managed by an existing back-office solution. DataCard DPP is used to manage the entire card production process. The data produced by CardInk is here written onto smart cards via a series of high volume DC 9000 personalization systems.
 
CardInk is developed as a two part client/server system. The cryptographic keys and overall security are managed in Cedicam’s main site and the production is processed at another site.
 
The communication is done via the configuration of separate CardInk installations, which support one-time set up and remote management.
 
The production requirement at Cedicam is 10 000 cards an hour. Such a performance is ensured by putting several CardInk servers operating in parallel.