1. Multi-Purpose EMV Certified Contactless
Smartcard
kentpay
Guliz Ozturk, International Marketing Manager
October 2013

2. Contents
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Project General
Usage Areas
Why Multi-Functional City Card?
Specifications
Application
General Structure
Benefits
Implementation
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3. Project General
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Kentkart is market leader in Turkey with 3000 smartcard
top-up points and 12 milyon prepaid contactless
smartcards since 1998.
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Goal: To be market leader in small payments sector
through interoperable City Card Applications.
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Project Time Line: Kentkart started to develop city card
application 2 years ago.
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Project Partner: MasterCard M-Chip Advance
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4. Usage Areas
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A Multi-Purpose City Card System
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Online/Offline EMV payment
Public Transportation
Parking application
Loyalty services
Internet usage
Event ticketing
Recreational activities
Social support card
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5. Why Multi-Functional City Card?
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Conformity with global specs
Valid all around the world
Withdraw the remaining balance
Fulfilling transportation need
(last check-in – line information,
season ticket, discount
information, etc.)
Works with contact or contactless
Fast and Secure
Can be personalized
Physical or Digital money wire
transfer, EFT and over POS refill
Secure PIN protected
Wide logging infrastructure

6. Project – Specification
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Card
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Contact/Contactless EMV
Mastercard Mchip Advance technology
No-name, prepaid
Interoperable storage management on IDS (Integrated Data
Storage)
Business Model
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Cooperation with a Bank, Public transport operator,
Payment Processor (Bank IT) Company
A new BIN is obtained from MasterCard
Public transport IDS application is managed by PTO
EMV host side transaction processing, switching and clearing
is handled by processor company
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7. Project – Application
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Payment Management
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Data Slot Management
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Permanent slots are for co-partners (will be opened under
contract)
Volatile slots are for general usage
Users’ Card Management
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Chip and host balance are seperated
Chip balance is personalized for transportation only (offline
transactions)
Host balance is used for other payments (online transactions)
Web based portals
Query Balance and usage info
Internet top-up by credit card
Loyalty applications
Special discounts at partner merchants
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8. Project General Structure
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9. Benefits
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Mobility and shopping with a single card
No-Name EMV Pre-paid Payment
Focus on young users which have no credit card
and eager to make internet shopping
Safer to use on internet/mobile as money loss
risk is prepaid amount
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10. Benefits
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Interoperable transport ticketing between
different Public Transport Operators
Allows different application providers
(parking) use volatile slots without making
an agreement
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11. International Interoperability
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Open to international contactless offline EMV
transactions
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Open to international contactless online EMV
transactions
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Money shall be deducted from chip balance
5 different currencies (€, $, etc.) defined for chip
balance (accumulator)
Money shall be deducted from cardholders account
Operators can use available volatile slots for
storing transit related data
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12. Inspection
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Inspectors need to get proof of payment
information either from card or from host
Storing transit ride log inside the card
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Data slots
Transaction log records (Terminal proprietary field)
Checking from host
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Terminal can send prepaid card transactions to host immediately
Inspector can check transaction information of the card by going
online and getting the card ride report from host
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13. Implementation
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Project pilot on July 2013, Mersin,Turkey
Population 1.6 million
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14. THANK YOU ...
Guliz Ozturk
International Marketing Manager
guliz@kentkart.com.tr
www.kentkart.com
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