When it comes to payment transactions, security is one of the most important issues. Banks and financial institutions may suffer considerable financial losses in cases of fraud. Which is why they need reliable and flexible protection solutions which integrate into their payment systems. Working in close collaboration with major international banking networks, financial institutions and strategic partners, Bull has designed CRYPT2Pay™ a range of Hardware Security Modules (HSMs) that meet the needs of today’s highly sensitive market.
A technology used by 95% of French and major European banks for their transactions.
CRYPT2Pay™ is a high-performance encryption device designed to protect withdrawal and payment transactions, carried out with a bank or private card (in contact or contactless situations), as well as all operations carried out in bank card processing centres (production and printing of PIN code mailers, data preparation for card personalization and transaction switching between different networks).
The CRYPT2Pay™ product range uses the latest cryptographic technology. It adapts to different uses with a high level of reliability. With CRYPT2Pay™, financial institutions can download the applications they need.
Already chosen by several major European banks, CRYPT2Pay™ provides the essential security needed for payment transactions.
The CRYPT2Pay™ product range provides the following applications:
- Transaction acquisition
- EMV and magnetic stripe authorisation (VISA, MasterCard, American Express)
- PIN management
- PIN printing
- Card audit and PIN unblock: PAYDiag Server
- Applications for private cards
- 3-D Secure™ issuance and authorization
- EMV and magnetic stripe data preparation
- Key Management Centre.
In addition, new functions can be easily uploaded onto the HSM to ensure that it remains aligned with the latest developments in the market. CRYPT2Pay™ is a universal module available in low, medium and high speed versions, offering a large variety of options and connection protocols.
Bull, integrating the best technologies on the market
With over 25 years in the IT security market, Bull has built up extensive expertise in banking networks. Its experts can provide systems integration, architecture consultancy, maintenance and support services to financial institutions worldwide. With its network of well-respected partners, Bull plays an active role in implementing comprehensive payments systems, along with the leading software publishers in the global market.
* EMV (Europay Mastercard Visa) is the international payment card security standard (smart cards), which takes its name from its founder members.
To print PIN codes on a secure envelope, two architectures may be implemented. The PIN Edit function decrypts a PIN block and returns the PIN to the server which controls the printer.
The PIN print function decrypts a PIN block and prints it on a printer connected to its serial port.
CardInk Data Preparation Solution CRYPT2Pay™ is fully integrated into the CRYPTOMAThiC CardInk solution. CardInk is a system for preparing EMV data, which is used for issuing single and multi-application smart cards. The solution interfaces with major card management systems.
Securing banking networks
With more than 25 years in financial security, Bull has gained considerable professional experience in securing banking networks. Bull’s teams can provide financial institutions with integration services, architecture consulting, worldwide maintenance and support services. Thanks to a network of recognised partners, Bull takes an active part in implementing comprehensive payment systems with renowned software publishers such as ACI Worldwide, ATOS Worldline, CRYPTOMAThIC, e-Funds, Jware Technologies, Magellan, S2M, Steria and others. Many banks and card centres worldwide already rely on Bull’s technology and experience.
To learn more, download the specsheet >>