Complementary Applications

Competition between payment card issuers for top of wallet status is fierce, MULTOS, with its capacity to support multiple applications, from the issuer, or from third parties, helps the card issuer to provide a package of services tailored to the needs of the consumer. Additional functions such as Retail Loyalty, Web assistant (storing usernames and passwords in the chip), Transit, Access control, Authentication. There might be no single killer application, but there can be a killer combination. For details of complementary MULTOS applications, see the MULTOS Product Directory - Applications Section

Why MULTOS?

With MULTOS, card issuers can offer consumers the possibility of downloading applications of their choice - such as secure home-banking, web assistant, loyalty, transit or other new applications - at issuance in branches or stores or after the card has been issued. All MULTOS smart cards implement "Secure Trusted Environment Provisioning" (STEP), meaning that they can be securely provisioned with new software remotely, yet securely, through ATM, Internet or POS networks. MULTOS is unique in its implementation of "On-Card" firewalls, which means that issuers can add new applications to MULTOS cards, without needing to certify that the EMV payment application maintains its integrity in the new configuration. Complementary Smart Card Applications for MULTOS: Include Data Storage, Loyalty, ePurse, Single Sign On, PKI, Biometrics, Mobile, Access Control, Transit. For details see the Partners section.

Issue multi-application MULTOS cards:

Contact StepNexus services or your local StepNexus Services Partner.