Card Management System is a complete smart card lifecycle management system catering

to multi application smart card transactions for the Banking, Financial and Loyalty
segments.

Smart card with its ability to handle more information than a traditional magnetic credit card
expands the application and services that can be offered to customers.

Smart card technology can provide real opportunities for innovation in business to generate new
sources of income. Today in India where 70% of all the transactions conducted in cash with no
involvement of a bank or financial institution. This indicator clearly shows the hidden cost
involved in handling cash with uncertainty and risk, which comes with such transactions. All
successful Governments, Regulation bodies like RBI, financial institutions, Banks would like to
bring this huge untapped market into the banking system. Now this is possible only through
smart card technology

As smart card usage grows and more applications are developed and deployed, the management
of smart card applications and maintenance of transactions, cardholder information becomes
increasingly complex. Card Management System is a multi-application smart card management
system, empowering card-issuing organizations / companies to successfully deploy and manage
smart card technology.

Why do we need smart card management?

 To support multiple applications

 To support multi issuers
 To support multi clearing & settlement of transactions
 To support complete cardholder management

The modular nature and open architecture of Card Management System in India is designed to
deliver real flexibility and scalability to multi issuers, acquirers.

The challenge facing card issuers is to harness the power of smart cards to deliver both
marketing initiatives and cost reduction programs to enhance the Issuers competitive situation. A
complete multi-application smart card management system is required, one that offers Security,
Flexibility and Creativity, to seamlessly integrate with numerous application providers and be
cost effective. Card Management System from ID Smart is strongly positioned to meet this
challenge.

Card Management System from ID Smart

 Total card life cycle management system

 Multi-application support
 Easy to use and user friendly front-end GUI's
 Easy user configurable / customizable to meet various business needs
 Definable application Security
 Customized personalization options
  Key management system support

The challenge facing card issuers is to deliver complete multi-application smart card
management systems that offer security and seamless interoperability between numerous
application providers. Card Management System from ID Smart is well positioned to meet this
challenge.

PRODUCT FEATURES

Card Management System is an integrated solution aimed primarily at the customized bulk
issuance and lifecycle management of smart cards in a single or multi application environment.

It is designed to handle single or multiple card issuers from within a single host / acquirer unit.
This permits an organization, such as a operator, to issue cards on behalf of institutions, such as
banks, loyalty scheme operators, etc.

It provides the functionality to place the card, the applications and the cardholder details into the
system and then collate these details for the purpose of card personalization, initial issuance and
subsequent card management - a total card lifecycle management.

KEY PRODUCT BENEFITS

 Competitive pricing that is scalable; can be card or application based.

 Modular design that facilitates easy integration to existing systems.
 Full card lifecycle support giving organizations complete control of the card.
 Multiple applications strengthen business case and improve customer loyalty and
retention.
 Assures investment protection by allowing issuers to use practically any smart card type,
personalization device & card reader.
 Total management of individual and corporate (group) cardholder details.
 Interoperable with ID Smart supplied and 3rd-party application providers.
 Complete card maintenance; e.g. hot listing, expiry, renewal, replacement or locking.
 Complete Network management of terminals
 Quick and simple procedures to replace lost or stolen cards.
 Expert reporting capabilities.
 Secure system access with data back-up and recovery procedures.