eBanklet offers a complete selection of Java-based EMV applications for smart cards. With eBanklet you can put a credit or payment card into practice easily and very flexibly.

The EMV standard has greatly simplified card payment in recent years. With the spread of EMV, magnetic stripe cards and proprietary smart cards have been replaced by secure, standardized smart card solutions that work in virtually every country in the world.

One way to implement EMV-compatible smart cards is Java Card technology. EMV solutions that use Java Card have been around for more than 15 years – most of them are based on the standard versions of the respective Java Card operating systems. These implementations work, but have some disadvantages.

eBanklet, a product developed by cryptovision together with partner jNet, is a Java-based EMV solution of the next generation. eBanklet uses μJavelin, a new Java-based card operating system that can be tailored to different application areas – for example to payment, eGovernment (electronic identity cards) or the Internet of Things. The subsequent loading of additional applications is possible in a simple manner.

eBanklet uses a version of μJavelin tailored for payment applications. The basic functions – including optimized cryptographic operations and secure data storage – are provided by the operating system. On the other hand, many Java card functions that are not necessary for EMV have been omitted. In addition, μJavelin was developed according to the latest paradigms of security technology. Due to its slim design, μJavelin requires little memory (less than 128K) and offers high performance.

Although the custom version of μJavelin used here is not compatible with Java Card due to the omitted parts, it is a slim solution that is ideal for EMC applications. Like other solutions based on μJavelin, it can be maintained and certified with comparatively little effort.


What Is EMV?

EMV is a standard for payment cards, payment terminals and automated teller machines. EMV, which stands for Europay, MasterCard, and Visa, supports both contact and contactless cards. The standard is managed by EMVCo, a consortium with control split equally among several credit card companies.

EMV was implemented by all major payment card providers:
  • VIS – Visa
  • Mastercard chip – Mastercard
  • AEIPS – American Express
  • UICS – China Union Pay
  • J Smart – JCB
  • D-PAS – Discover/Diners Club International.


Supported systems

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

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