SmartSoft achieves a first in the Kahramanmaras Municipality where the City Card Concept fuses Transportation Campaigns with OFFLINE Contactless Bank Cards

The transportation leg of the "City Card Framework System", which is a product of SmartSoft's two-year R&D efforts, was introduced to the press by Kahramanmaras Deputy Mayor M. Nedim Tepebasi and BankAsya Vice General Manager Mustafa Buyukates on May 9, s2008.

SmartSoft CEO Ayse Sarigollu commented on the matter and noted that “ The Smart City Framework”, which we have been working on its design and development for over two years, was finalized through the highly dedicated efforts of our team. As being the first of its kind in the world in terms of the technology used and many systems integrated in its design, with to this system, our clients will be able to easily use transportation vehicles and other payment points operated by the municipalities as if they were a member merchant."

Thanks to the City Card Framework, transportation and other different payment points each are becoming a member merchant

Today conventional methods employed by the banks for card marketing strategies (such as payment installment plan campaigns, advertisement, workforce etc.) are resulting in serious costs. By introducing our clients to the "CITY BANKING" concept, our "City Card" enables them to implement the latest technologies employed by MasterCard and Visa (MasterCard's PayPass MChip and Visa's payWave) in dual interface chip technology base at the city payment points. With the city campaigns offered by the system, card marketing burdens of the banks are alleviated meanwhile potential customers feel the urge to own a bank card and "City Card" issued by our client distinguishes him from other bank cards.

SmartSoft is the only company in Europe that can provide this end-to-end technology. With our accurate analysis of European competition, performed with 14 resellers marketing SmartSoft products in different countries worldwide, we believe that it is our rightful pride as well as our clients' to be the only company in Europe that can offer this particular end-to-end technology without needing another company.

Today, conventional methods for card marketing strategies employed by the banks (such as payment installment plan campaigns, advertisement, workforce etc.) are resulting in serious costs. By introducing our clients to the “CITY BANKING” concept, our “City Card” enables them to implement the latest technologies employed by MasterCard and Visa (MasterCard's PayPass MChip and Visa's payWave) in the dual interface chip technology base at city payment points. With city campaigns offered by the system, the bank's card marketing burdens are alleviated while potential customers feel the urge to own a bank card and the “City Card” issued by our client distinguishes them from other bank cards.

"City Banking" with MasterCard's PayPass MChip and Visa's payWave technologies

While there are just a few banks worldwide that can produce cards equipped with contactless interface (without loyalty), it is truly an honor for our team, as well as the Turkish Banking sector in terms of the level of technology attained and the ability to implement the City Banking concept on this card.

With many different applications of the "City Card Framework" projects, most of which we believe to be the first of their kind in the world and will be launched in the near future, we are aiming to bring in new customer segments for our clients through the "CITY BANKING" concept and technological campaigns.

Banks are minimizing their card marketing costs through SmartSoft's "CITY BANKING” concept.

SmartSoft Technical General Manager Murat Goksenin Guzel expressed his views on the matter and said that "The SmartCity system is an integrated framework system that combines many integrated and modular systems ranging from bank card printing systems to special software on terminals (validators) and from campaign management systems to bank back-office systems that work in unison.  Due to this structural characteristic, we are striving to enable a bank to manage not just the transportation system but all low-payment channels in the city. Within the context of this goal, we have realized our first pilot implementation with a public transportation project."

This system  will enable clients to organize cross-campaigns between such low-payment channels like public transportation vehicles, fan cards, gas stations, pre-paid meters, auto parks, etc.

A bank provided card equipped with this system will be able to perform cross-campaign transactions with a single card mapping between such low-payment channels like transportation vehicles, fan cards, gas stations, pre-paid meters, auto parks, universities, and schools.

Instead of the Mifare® card technology, a new and safer era has begun with the introduction of a refillable and universally usable bank cards through which common campaigns can be organized  within all city payment points and member merchants

The Mifare® technology used today in transportation systems is a manufacturer-based product that requires special solutions at refilling points, and most importantly, it employs symmetrical coding in terms of security and as a result, the significance of bank cards is increasing tremendously. With their unmatched ability to set up a very advanced firewall through symmetrical and asymmetrical algorithms, to sense fraud attacks, deny transaction requests through risk assessment parameters when necessary, and their universal usability  at all ATM and POS devices regardless of the bank and previous investments made, bank cards provide advantages that are incomparable to Mifare® technology.

For the first time in the world, BankAsya has implemented  this technology in a public transportation system without needing a contractor

While contactless bank cards have been usable with the member merchants, from now on, they will also be used at city payment points (such as public transportation vehicles, auto parks, meters, etc.). With a loyalty program and a concept that we call "CITY MONEY", we will implement cross-campaigns between these payment channels. We have no doubt that this system will also constitute an important channel for bank in the actualizing card marketing strategies.

All ATM and  POS devices  are transformed into refilling stations with EMV methodology and security

Thanks to this system, while costs incurred from special card refilling devices and special back-office operations related to Mifare® technology are eliminated, refilling and managing of EMV cards is made possible through all the POS, ATM and Kiosk channels for which the investments have already been realized.

The BankAsya Card is a display of the first prototype "CITY CARD" implementations in the world

The new Bank Asya card supports PayPass MChip 4.0 PAD, payWave VLP, CAP, DPA, CAS, and 7 different payment channels to be used at various locations throughout a city. We are printing the cards with our Instant Issuing System which won the 1st prize in two categories at the EPCA/ECR (Innovative Banking Awards) organization. As SmartSoft, our goal is to provide our clients with much more than just a card with a contactless interface.

With just a single card;

- PayPass MChip is among  top 10 banks in Europe (Very soon payWave-transit implementation),
- First pilot implementation in the world with City Card Loyalty Campaigns,
- First "City Card EMV BackOffice" Management System in the world,
- Internet Log On with CAP/DPA Profile,
- First time in the world TOP_UP from Internet Banking to Card (SmartNet),
- Toll Bridge Passage with Mifare® CAS Implementation (CAS)
- "City Money" management system with PAD Management

With new product launches to be announced in the near future, our greatest goal is to present important opportunities for our clients in the card sector both at home and abroad.

Another first from SmartSoft... Would you like an ATM in your house?

Nowadays, with the widespread use of contactless cards, banks have started to reach a wider range of customers by engaging in city card and transportation projects. After credit cards migrated to chip cards, banks have started chip bank card operations.

The most important feature of this new application is that chip bank cards can also be used as electronic wallet and pass in transportation.

The target for chip bank cards, which is set for the near future is, will be able to be topped up with money directly through ATMs. At the same time, the chip cardholder will be able to top up either from his/her bank account or credit card account. After top-up, you can do your transportation, health, and food payments by using the money topped up in the chip card easily.

SmartSoft Business Solutions Director, Business Development Ozgur Altuntas announced the good news by noting that "It is not feasible to keep ATM's everywhere. In the next phase, everybody will be able to use internet banking for topping up money on chip cards and for activating new applications."
"SmartSoft" is again the first company in the world setting chip card standards, which MasterCard and Visa released for internet banking shopping and security to be used as money top-up and pin change points. By means of the "ATM for every house" concept, in addition to the convenience of bank customers changing chip card PINs without going to ATM, POS or bank branches, this is a feature for topping up chip cards with money when needed for sea transportation, metro, and bus that will exist over the internet.

The other important thing is that, while chip cards are being used in the field, banks can block the cards using a block script. To unblock the relevant chip card, either a new card should be issued or special terminals are needed. Because of the lacking of special terminals in the sector, cards that have been blocked by SmartNet, which works under the "ATM for every house" concept, will be easily unblocked over internet.

There aren't any examples of this application throughout the world and it will be an industrial standard in the near future.

By the help of this system, electricity, water, natural gas, ticket, and money top-up on cards through low payment channels like transportation, supporter card, prepaid counters,  and parking lots, will be able to be performed. By the help of this system, which is an incredible convenience for customers, banks will make customers' lives much easier. On the other hand, a part of the crowd which may just happen to be in bank branch or at ATM, will be shifted to internet banking by encouraging customers to take advantage of technological conveniences and thus, the payment systems network will provide service with full performance.

 

Bank Asya's innovative, contactless credit card, AsyaCard DIT, has been selected as the "Best Card Alternative To Cash" within the scope of the very first Visa Europe's Best Cards Awards organization.

Waterloo, Belgium, July 1, 2008 -- MasterCard and Bank Asya have launched Asyacard DIT - a multi-application chip and PIN card, combining the power of MasterCard EMV OneSmart features with an integrated municipal toll and transit application to create one of the world's most versatile and advanced chip cards. The card also offers the additional benefits of MasterCard® PayPassT contactless technology.

The MasterCard OneSmart program helps banks to develop new chip-based added value applications quickly and easily.  Using the AsyaCard DIT, Bank Asya customers can pay at over 109,000 merchant locations worldwide as of 1Q2008, using MasterCard PayPass contactless technology with a simple tap. The card also includes MasterCard®   Chip Authentication ProgramT   (CAP), a secure two-factor authentication technology, which allows customers to securely access online account information.  The PC-connected version of the CAP personal card reader for the AsyaCard DIT also enables cardholders to securely top-up offline balances for PayPass payments and to securely interact with public transport applications.

Bank Asya's innovative  approach  of putting toll and transit functions onto a contactless smart cards has allowed them to seize the opportunity offered by the Kahramanmaras Public Transportation Project, a municipal initiative in Eastern Turkey. AsyaCard DIT owners can also use their cards on the tolls on motorways and bridges, including the two bridges over the Bosphorus Straight in Istanbul that connects Europe and Asia. With the full support of MasterCard and using the leading edge technologies offered by SmartSoft payment software provider, SmartSoft, Bank Asya issued a unique card that has this many built-in features for the first time.

AsyaCard DIT holders can also receive their cards immediately in the banks' branches (instant issuance), avoiding the usual wait for a card to arrive.

"This highly innovative multi-solution from Bank Asya proves that the MasterCard OneSmart program brings real value to payment card products," said Toni Merschen, Group Head Chip at MasterCard Worldwide and added that, "It's great to see that banks in Turkey are now reaping the rewards of the effort that they all put into migrating to chip and PIN (EMV) technology."

Bank Asya's Executive  Vice President Mustafa Buyukates  said  that "Bank Asya continues to provide its valuable customers with a variety of new and exciting products with the motto "Different Solutions for Different Expectations". While we examine carefully the needs of our customers through different  distribution channels, we serve our client base with the latest technological developments in the banking sector and will continue to follow the developments in the credit card technology and provide these services to "ease the customers' life'. "

About MasterCard Europe
MasterCard Europe  is the entity responsible for managing MasterCard Worldwide?s business in Europe - for Europe. With headquarters in Waterloo, Belgium, MasterCard Europe works with 51 European countries organized administratively into three customer areas, incorporating the Single Euro Payments Area (SEPA), mature markets and the developing markets of Europe, stretching as far afield as the eastern border of Russia. Through its network of local offices, MasterCard Europe can understand and meet the diverse needs of customers in the very different types of markets throughout Europe, enabling people to do business in their own way in their own language.

Through MasterCard Worldwide, MasterCard Europe offers its European customers and consumers access to leading payment services throughout the world. MasterCard Worldwide advances global commerce by providing a critical economic link among financial institutions, businesses, cardholders and merchants worldwide. As a franchisor, processor and advisor, MasterCard develops and markets payment solutions, processes over 18 billion transactions each year, and provides industry-leading analysis and consulting services to financial institution customers and merchants. Through its family of brands, including MasterCard®, Maestro® and Cirrus®, MasterCard serves consumers and businesses in more than 210 countries and territories.  For more information go to www.mastercard.com.

About the MasterCard® OneSmartT Program
OneSmart is a program that leverages the technical superiority of Chip [applications, complex data, and encryption] to provide the best possible solutions for cardholders. By extending our transactional and security expertise, we bring additional value to MasterCard brands for banks and cardholders alike.

About Bank Asya
Bank Asya is a leading Turkish bank that provides a wide range of banking products and services to its commercial and retail customers with number of issued credit card reached over 1.000.000 individual card members. Bank Asya provides banking services through its network of 124 Bank Asya branches located primarily in Western and Southern Turkey. Bank Asya also offers its services through alternative distribution channels such as ATMs, call center and internet banking.

About SmartSoft
SmartSoft is a software development company located in Istanbul, Turkey, specializing in chip card software development technology. Dedicated completely to EMV, payment technologies and smart card software, it has developed a wide range of products, most of which are approved by global card brands, to support issuing and accepting institutions to manage their card business. SmartSoft is monitoring EMV and chip-based standards very closely and is dedicated to excellent product quality, end to end / innovative solutions (contactless, instant issuing) and customer satisfaction.

MasterCard and Bank Asya Launch One of the World's Most Versatile and Advanced Chip Cards

Thanks to the MasterCard® OneSmartT program, Bank Asya customers in Turkey can use a single card for both contact and contactless payments, perform secure remote transactions, and pay to cross the Bosphorus bridges.

Waterloo, Belgium, July 1, 2008 -- MasterCard and Bank Asya have launched Asyacard DIT - a multi- application chip and PIN card, combining the power of MasterCard EMV OneSmart features with an integrated municipal toll and transit application to create one of the world's most versatile and advanced chip cards. The card also offers the additional benefits of MasterCard® PayPassT contactless technology.

The MasterCard OneSmart program helps banks to develop new chip-based added value applications quickly and easily. Using the AsyaCard DIT, Bank Asya customers can pay at over 109,000 merchant locations worldwide as of 1Q2008, using MasterCard PayPass contactless technology with a simple tap. The card also includes MasterCard® Chip Authentication ProgramT (CAP), a secure two-factor authentication technology, which allows customers to securely access online account information. The PC-connected version of the CAP personal card reader for the AsyaCard DIT also enables cardholders to securely top-up offline balances for PayPass payments and to securely interact with public transport applications.

Bank Asya's innovative approach of putting toll and transit functions onto a contactless smart cards has allowed them to seize the opportunity offered by the Kahramanmaras Public Transportation Project, a municipal initiative in Eastern Turkey. AsyaCard DIT owners can also use their cards on the tolls on motorways and bridges, including the two bridges over the Bosphorus Straight in Istanbul that connects Europe and Asia.

With the full support of MasterCard and using the leading edge technologies offered by SmartSoft payment software provider, SmartSoft, Bank Asya issued a unique card that has this many built-in features for the first time. AsyaCard DIT holders can also receive their cards immediately in the banks' branches (instant issuance), avoiding the usual wait for a card to arrive.

"This highly innovative multi-solution from Bank Asya proves that the MasterCard OneSmart program brings real value to payment card products," said Toni Merschen, Group Head Chip at MasterCard Worldwide and added that "It's great to see that banks in Turkey are now reaping the rewards of the effort that they all put into migrating to chip and PIN (EMV) technology."

Bank Asya's Executive Vice President Mustafa Buyukates said that "Bank Asya continues to provide its valuable customers with a variety of new and exciting products with the motto 'Different Solutions for Different Expectations'. While we examine carefully the needs of our customers through different distribution channels, we serve our client base with the latest technological developments in the banking sector and will continue to follow the developments in the credit card technology and provide these services to 'ease the customers' life'."

About MasterCard Europe
MasterCard Europe is the entity responsible for managing MasterCard Worldwide's business in Europe - for Europe. With headquarters in Waterloo, Belgium, MasterCard Europe works with 51 European countries organized administratively into three customer areas, incorporating the Single Euro Payments Area (SEPA), mature markets and the developing markets of Europe, stretching as far afield as the eastern border of Russia. Through its network of local offices, MasterCard Europe can understand and meet the diverse needs of customers in the very different types of markets throughout Europe, enabling people to do business in their own way in their own language.

Through MasterCard Worldwide, MasterCard Europe offers its European customers and consumers access to leading payment services throughout the world. MasterCard Worldwide advances global commerce by providing a critical economic link among financial institutions, businesses, cardholders and merchants worldwide. As a franchisor, processor and advisor, MasterCard develops and markets payment solutions, processes over 18 billion transactions each year, and provides industry-leading analysis and consulting services to financial institution customers and merchants. Through its family of brands, including MasterCard®, Maestro® and Cirrus®, MasterCard serves consumers and businesses in more than 210 countries and territories. For more information go to www.mastercard.com

About the MasterCard® OneSmartT Program
OneSmart is a program that leverages the technical superiority of Chip [applications, complex data, and encryption] to provide the best possible solutions for cardholders. By extending our transactional and security expertise, we bring additional value to MasterCard brands for banks and cardholders a like.

About Bank Asya
Bank Asya is a leading Turkish bank that provides a wide range of banking products and services to its commercial and retail customers with number of issued credit card reached over 1.000.000 individual card members. Bank Asya provides banking services through its network of 124 Bank Asya branches located primarily in Western and Southern Turkey. Bank Asya also offers its services through alternative distribution channels such as ATMs, call center and internet banking.

About SmartSoft
SmartSoft is a software development company located in Istanbul, Turkey, specializing in chip card software development technology. Dedicated completely to EMV, payment technologies and smart card software, it has developed a wide range of products, most of which are approved by global card brands, to support issuing and accepting institutions to manage their card business. SmartSoft is monitors EMV and chip-based standards very closely and is dedicated to excellent product quality, end to end / innovative solutions (contactless,instant issuing) and customer satisfaction.

Overview participation 2010

·         Oracle-SmartSoft OCEAN Implementation OCEAN Meeting
Date: 11 February 2010
Location: Oracle Partner Hub Istanbul

·         Academic IT Conference
Date: 11-12-13 February 2010
Location: Mugla Universtiy Mugla

·         CardSmart Macedonia
Date: 12 March 2010
Location: Stone Bridge Hotel

·         VendorSmart
Date: 14 April 2010
Location: Grand Hyatt Istanbul

·         CESSCA Meeting
Date: 22 April 2010
Location: The Regent Esplanade ZAGREP

·         CardSmart Bosphorus 
Date: 6 May 2010
Location: Point Hotel Barbaros, Istanbul

·         Reseller Meeting
Date: 7-8-9 May 2010
Location: İTÜ ARI2 Conference Hall, Istanbul 

·         Cardist Card and Smart Techcologies Exhibition & Summit
Date: 13 May 2010
Location: International  Lütfü Kırdar Congress & Exhibition Center, Istanbul

·         Card Middle East Dubai
Date: 17-18-19 May 2010
Location: Al Bustan Rotana Hotel, Dubai, UAE

·         BT Platform
Date: 25 May 2010
Location: Süleyman Demirel Congress Center, Istanbul

·         RFID Symposium
Date: 10 June 2010
Location: ITU Süleyman Demirel Congress Center, Istanbul

·         Cartes
Date: 7–8–9 December 2010
Location: Paris Nord Villepinte Exhibition Center