M/Chip4 for MULTOS is an EMV2000 compliant payment application, meeting MasterCard’s latest M/Chip4 specification.

M/Chip 4 takes advantage of the latest EMV specifications, providing support for Combined Data Authentication (CDA).

In addition, M/Chip 4 for MULTOS makes full use of the advantages offered by the MULTOS platform (see below).

The same application can be configured, using the customisation utility, to be either Lite 4 (SDA, DES-only) or Select 2.0 (RSA & DES).

The Customisation Utility is an integral part of the M/Chip 4 for MULTOS product, providing a simple, accurate and secure way to perform card personalisation and take full advantage of the flexibility and functionality offered by the M/Chip 4 applications.

M/Chip4 Key Features

• Supports SDA, DDA and CDA
  
  
• Post-issuance modification of personalised data
  
  
• Enhanced reporting to the Issuer:
  
  

• The information part of the CVR (Card Verification Results) is separated from the decision part.
  
  
• The values of offline counters (amount & number) are transmitted to the Issuer.
  
  

• Issuer control over offline cumulative counters during online transactions
  Supports Partial Grade environments (no Issuer Authentication Data available).
  
  
• Differentiates domestic and international transactions (addresses the eurozone environment).
  
  
• Improves acceptance at CAT3 terminals e.g. toll road terminals.
  
  
• Offline PIN management
  Supports a transaction log of completed transactions (approved & declined).
  
  
• Pre-Authorised Debit functionality.
  
  
• Supports Offline Balance ( = UCOTA - COTA) for use with Pre-authorised debit.
  
  
• Ability to update the records read by the terminal after the card has been issued.
  
  
• Supports new EMV 2000 options:
  
  

• Both the existing MasterCard Session Key algorithm & the EMV 2000 algorithm are supported.
  
  
• CDA (Combined DDA/AC Generation) supported
  
  

• Non-critical Script Commands (sent after the completion of the transaction)

M/Chip4 for MULTOS Key Features

• Single application code for both M/Chip 4 profiles.
  
  
• Additional Security Features for EAL4+ certification.
  
  
• Offline Balance in ATR.
  
  

• Support for Pre-Authorised Debit
  
  
• Uses the historical bytes in the ATR to record the latest offline balance
  
  
• Cardholders can easily check their balance using a low cost device (e.g. a small balance reader).
  
  

• Dual AFL Support
  
  
• Transaction Log Size
  
  

• from 0 to 255 records
  
  
• 10 is standard setting
  
  
• MasterCard recommend at least one record
  
  

• EMV CARD BLOCK Command
  
  
• Application Life Cycle Data
  
  
  • Provides data in the Application Issuer ID field for: Issuer Identification Number/Bank Identification Number, AID, Codelet ID, Additional Issuer Data.
    
    
  • Provides data  in the Application Code field for: Software Product ID, Version/Release Number, Application Profile Options, Customisation Data, Personalisation Data.
    
    

• Chip-based RSA Key Sizes

Customisation Utility Key Features

• Set M/Chip 4 operating parameters (SDA/DDA, etc)
  
  
• Set Card Risk Management parameters
  
  
• Configures the “memory map” of the Data segment of the M/Chip 4 for MULTOS ALU
  
  
• Produces an output file to drive the Data Preparation System (which creates cardholder ALUs)
  
  
• Produces import file for M-SPI for MULTOS Application Registration

Available on

4K, 8K (SDA), 8K, 16K, 32K, 64K (DDA/CDA)

Click here for the Keycorp M/Chip4 on MULTOS Brochure.