In a nutshell
eBanklet, a product developed by cryptovision together with partner jNet Technology, is a next generation EMV solution. It is built on top of μJavelin, a new Java based card operating system that can be tailored to different markets and verticals, including payment, eGovernement (electronic identity cards), and secure Internet of Things. Post issuance applet loading is supported.
While the payment-tailored version of μJavelin is not Java Card compliant due to the stripped-off parts, it is a lean
solution ideal for EMV use. Like other solutions based on μJavelin, this one has low certification and maintenance costs.
Frequently asked questions
- VIS – Visa
- Mastercard chip – Mastercard
- AEIPS – American Express
- UICS – China Union Pay
- J Smart – JCB
- D-PAS – Discover/Diners Club International.
eBanklet (including the μJavelin operating system it is based on) runs on all common smart card types. Due to the lean design, even low-end card versions can be used.
Banklet is comprised of the following modules
- VSDC v2.8.1G
- M/Chip Advance/Select
- D-PAS (Discover) – optional
- AmEx (American Express) – optional
eBanklet is a next generation Java based card solution for realising EMV-compliant payment cards. EMV (Europay, Mastercard, Visa) is a standard devloped by the major credit card companies aiming to create worldwide interoperability in the payment card area. eBanklet was developed by cryptovision together with partner jNet Technology. Additional applications can be developed and used according to the customer’s requirements.
Many banking applications supported
eBanklet supports the standard functionality of all major credit card suppliers: Visa (VSDC), MasterCard (M/Chip Advance/Select), Discover (D-PAS) (optionally), and American Express (AmEx) (on request). A card can be configured to support several technologies independent from each other. Additional functionality can easily be added, based on existing or newly developped applets.Based on a banking-tailored Java Card OS
Instead of a Java Card operation system, eBanklet uses µJavelin, a new and innovative Java based card operating system. µJavelin is provided by cryptovision partner jNet Technology, a California based IT company that has been specialising in Java and Java Card solutions for over a decade. jNet Technology‘s µJavelin operating system is used in a version that is tailor-made for payment services. While this version is not Java Card compliant, as some standard Java Card functionality not needed is stripped off, it is ideal for payment applications.
Small memory footprint
Following a lean design philosophy, the µJavelin card operating system is used in a highly optimized and reduced version. This results in a very small memory footprint of less than 128K and low hardware costs. For the same reason, eBanklet renders an unrivaled performance.Fast personalisation
Because of the lean design and its payment-oriented architecture, smart cards realised with eBanklet can be personalised in less than a second per card. Competing solutions require significantly more personalisation time.
Loading of additional applets
Even though the payment-optimued version of µJavelin is not Java Card compliant (due to stripped-off functionality), it still supports the loading of additional applets according to the Global Platform standard – also post-issuance.
Convergence with cryptovision’s government ID and enterprise IT offerings is possible. For instance, government issued eID cards with credit card functionality as well as credit cards with electronic signature function can be realized.
- Uses banking-tailored Java based card operating system, many EMV functions are integrated into the operating system
- Small footprint, resulting in less complexity and higher security
- Supports all major credit card technologies
- More EMV and EMV-related applications can be launched after issuance
- High perfomance
cryptovision’s Java Card based smart card solutions are used by numerous government and enterprise customers. For instance, the government of Nigeria, who has launched a national identity card project for its over 160 million citizens, uses this technology. The Nigerian eID card, which has been deployed following an ambitious Presidential initiative, includes an ICAO compliant travel application, a national eID application, and a digital signature application featuring support for biometric Fingerprint Match-on-Card functionality. Credit card payment is supported, too. The number of applications will grow in the future stages of the project thanks to the unique architecture of cryptovision’s Java Card solution, which enables infield update and provide additional features.