Smart Cards

IBM Japan

IBM Japan – using Rambus’ complete token service provider (TSP) technology – supports Japanese banks with Apple Pay integration and mobile payments security across a range of international payment schemes and, importantly, the FeliCa regional scheme. Issuing banks can now work with IBM Japan to manage the real-time enrollment, provisioning and tokenization needed to offer Apple Pay to account holders.


Eurobank Poland has integrated Rambus’ Host Card Emulation software and First Data Poland’s data preparation, personalization and processing services into its mobile wallet application.

As mobile payments are expected to see significant growth worldwide, Eurobank Poland’s implementation of Bell ID and First Data’s technologies is leading the way for easy, secure mobile payments to its more than one million customers through host card emulation (HCE) technology.

“Eurobank has always offered its customers innovative products, so mobile payments are a big priority,” adds Wojciech Huminski, vice president of Eurobank. “First Data and Bell ID have given us a leading cloud-based solution that helped us to create our own mobile app, ensuring convenience and security for our customers, while providing flexibility for future needs.”


The Interac Token Service Provider (TSP) was developed in collaboration with IBM, Bell ID and Everlink. Interac TSP enables financial institutions and merchants to innovate, build and manage secure digital payment experiences.

“Canadian consumers have always been eager to adopt new mobile technologies, and we see a very strong interest for mobile wallets,” said Alon Kronenberg, an IBM executive specializing in mobile technologies. “The Interac TSP, underpinned by IBM’s secure cloud infrastructure and implementation services, is a key building block to enable financial institutions to more easily offer mobile wallet capabilities to their clients. We are enthusiastic about the impact tokenization solutions, such as this collaboration with Interac and Bell ID, will have to drive wide adoption of secure digital payments, not just in Canada but around the world.”


eftpos has integrated Rambus’ Token Service Provider platform to build a flexible, domestic mobile payments capability, including secure tokenization services. The new capability enables eftpos payments to be made securely across various digital platforms and applications being developed by Australian industry participants.

eftpos Managing Director, Bruce Mansfield: “It’s great to be partnering with Bell ID on this important project because they have an excellent international reputation in the dynamic area of mobile payments and tokenization. This new capability will enhance competition in the Australian mobile payments market and help eftpos meet the growing needs of this rapidly changing area of payments technology.  It will also provide the Australian industry with the choice of a domestic, secure tokenization service.”


The ANZ goMoney Wallet, bringing mobile payments to the smartphones of more than 120.000 ANZ customers in New Zealand, leverages Rambus’ Host Card Emulation software platform, easing the delivery of secure mobile payment services as it removes the need for a separate app or SIM card upgrade for customers.

ANZ’s Head of Digital Channels and Transformation, Liz Maguire: “The mobile wallet is the next evolution in payments, enabling customers to use smartphones to make everyday credit or debit card purchases – such as coffee, petrol or groceries. Bell ID’s platform gave us all of the functionality we needed to bring this upgrade to market and gives us the option for further development down the line.”


Rambus Trusted Service Manager enables EnStream to operate as a trusted service manager (TSM), drive further deployment of NFC-based applications and promote consumer adoption of mobile services in the region. The TSM platform provides over-the-air lifecycle management of SEs on any NFC smartphone. This solution gives Enstream a best-of-breed and fully managed solution.  Canada is poised to become the world leader in NFC payments, which is, in part, due to EnStream’s choice of Bell ID’s software platform  and professional services capabilities.

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Rambus Trusted Service Manager (TSM) enables Placard to provision and manage mobile near field communication (NFC)-based applications for its customer base. It allows Placard to assume the role of a TSM, to support mobile network operators (MNOs) and service providers such as banks and transit operators to deploy mobile NFC services. Through its TSM services, Placard provides the personalization of NFC secure elements and the secure provisioning of applications, such as payment, loyalty and transit ‘over the air’ to an NFC enabled mobile handset pre- and post-issuance.


Rambus Trusted Service Manager facilitates LEGIC® Identsystems Ltd in the delivery of its latest trusted service offering, LEGIC IDConnect. It provides LEGIC IDConnect the lifecycle management of cryptographic keys and credentials on NFC-enabled mobile devices. This allows LEGIC to operate as a service provider (SP) trusted service manager (TSM), enabling it to deliver its mobile applet into the secure element of a smartphone by connecting to the Root TSM of Swisscom and other MNO TSMs. LEGIC’s SP TSM capabilities, enabled by Bell ID, allow it to connect to the Root TSM of Swisscom in order to install its mobile applet on the secure element (SIM card) of a smartphone.


Rambus supports BlackBerry in operating as a Trusted Service Manager by providing a flexible yet stable software engine that supports the management of high volumes and high throughput of multi-application tokens.  Rambus software architecture excels in real time data preparation and OTA application lifecycle management for any form factor Secure Element and proves to provide true Carrier Grade software. The implemented system supports multiple deployment modes, several SE form factors and types, and supports innovative NFC services. Rambus ensures future proof inter TSM interoperability by adhering to GlobalPlatform Messaging standards for NFC services.

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Valid, Brazil

VALID and Rambus have partnered to enable the hosted provisioning and management services for secure mobile contactless applications (NFC). The joint solution leverages Rambus’s market proven, high volume security, application and key lifecycle management systems within the certified and secure operations environment, managed by VALID in Brazil. VALID manufactures, personalizes, and distributes smart cards for Brazilian banks, financial organizations and telecom operators, with a significant sales presence and operational expertise in the region.

SABB, Saudi Arabia

Rambus EMV Token Manager has enabled SABB to gain a maximum return on investment through efficient and reliable EMV data preparation, central and instant issuance of chip cards and the ability to expand with features such as EMV scripting and support for mobile payments using NFC technology.

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SEB Group, Sweden

Rambus provides card, application and key management as part of SEB’s SEPA compliancy. The solution facilitates the issuance of millions of EMV compliant debit and credit cards as well as providing a comprehensive key management system, data preparation and perso bureau management functionality. SEB‘s in-house EMV script processing is fully integrated with Rambus EMV Token Manager.

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BancABC, Botswana

BancABC selected Rambus’ card management software to perform central issuance of Visa EMV credit, debit and prepaid cards for all the five operating countries using South African personalization bureau. For subsequent phases, the flexible Instant Issuance solution offers the capability of distributing personalization services across various locations in the regions, depending on the changing and increasing demands for its card products. Further options include the issuance of multi-application cards, post-issuance personalization i.e. loading of added value card applications, NFC payments and dynamic EMV risk management on cards (EMV scripting).

Home Trust, Canada

Home Trust uses Rambus EMV PIN change application, Bell ID® I-PIN®, to allow its EMV cardholders to securely choose and change their PIN online via Home Trust’s website, using a PC/SC smart card reader issued by Home Trust. The solution also allows cardholders to unblock their PIN online if card access has been suspended temporarily, following entry of a wrong PIN on multiple occasions.

Universal Payment Services, Kuwait

UPS uses Rambus EMV Token Manager for basic EMV data preparation and for the issuance of EMV cards for bank customers. For strategic reasons, UPS selected a flexible Smart Card Management System to be prepared for the future and to offer extended card services. UPS can utilize the system for changing chip content of EMV cards post issuance. Changing chip content can be required for changing card PIN, writing new EMV scripts into cards or placing added value applications onto already issued cards. Bell ID® EMV Token Manager is a fully vendor independent system and allows UPS to issue any brand of smart cards for their customers.

ICICI Bank, India

ICICI Bank has selected Rambus EMV Token Manager, enabling the bank to migrate to EMV card issuance. In the future, the bank will use the card and application management system for other projects within the banking group, by adding extra functionality such as EMV scripting and post issuance personalization.

Canadian Tire Financial Services, Canada

Rambus has delivered its EMV smart card management solution, enabling Canadian Tire bank to migrate its card base from magnetic stripe to MULTOS step one EMV chip cards. The solution leverages the LDAP capabilities and profits from Bell ID’s comprehensive web services interfaces, facilitating the integration with core retail banking systems including the customer service and IVR operations. In line with the bank’s business plans, a number of additional Token Manager features will be enabled as part of a phased implementation approach. These include the multi-application server, post issuance personalization module and EMV Scripting solution.

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Investec Private Bank, South America

Rambus is selected by Investec Private Bank to implement its Rambus EMV Token Manager solution. Investec uses the solution to manage the lifecycle of its new chip-based credit cards, cryptographic keys and on-card applications. The platform can easily be upgraded to manage multi-application cards and post issuance personalization functionalities.

CUETS, Canada

The Rambus EMV Token Manager solution for CUETS combines the management of card, key and application life-cycles with EMV script processing used for the generation, management and delivery of scripts to update cards dynamically after issuance (post-issuance personalization), and for secure management of offline payment risk. The solution, which facilitates the issuance of millions of EMV-compliant MULTOS StepOne cards, further provides a comprehensive key management system, data preparation functionality and a platform for post-issuance personalization.

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FIBank, Bulgaria

Rambus, in partnership with Tieto Enator, has implemented its Token Manager solution at First Investment Bank, a leading Bulgarian bank. The solution provides EMV compliancy for the bank’s card portfolio. EMV Token Manager provides a platform for post-issuance EMV scripting and for the issuance and management of multi-application smart cards at a later stage. In total, 1 million cards have been issued.