Five Indian banks utilise Bell IDs ANDiS4EMVC for nationwide EMV smart card migration pilot

The ZERO-Mass Consortium, led by New Delhi-based technology company A Little World, is to host the EMV pilot infrastructure for ICICI Bank, State Bank of India, Bank of Baroda, IndusInd Bank, and Citibank. The scalable software solution includes on-card applications EMV debit and credit, electronic purse, loyalty, mass transit, and Public Key Infrastructure (PKI). The solution is equipped with post-issuance personalisation capabilities and complies with all global standards applicable to EMV migration. The five banks are the first in India to participate in a nationwide pilot scheme with a common approach towards EMV migration. The ZERO-mass consortium of IT companies implements an infrastructure for issuance and management of indefinite numbers of multi-application smart cards. ANDiS4EMV is the backbone of the solution, providing centralised life cycle management of all cards and the on-card applications, key management and post-issuance personalisation (PIP). The ANDiS4EMV PIP functionality enables card issuers and cardholders to dynamically add, modify and delete on-card applications after the cards have been issued, eliminating the need for card replacement. ANDiS4EMV includes critical software components for EMV migration: data preparation, EMV script handling, EMV key processing, and risk parameter management. The solution will also cater for the implementation of a domestic payment system, in accordance with globally accepted specifications. The ZERO-Mass infrastructure complies with industrial smart card standards, supporting EMV 2000, CEPS, MULTOS v4.x, JavaCard 2.1.1 and GlobalPlatform specifications as a whole. PKI elements of the solution comply with PKCS#11, X.509 and ISO 9796 standards, whereas ISO14443 is the standard for contactless interfaces for toll collection and public transport applications. Clearing and settlement will be performed by the State Bank of India.