Smart (chip) card schemes, whether that be for payment, identity or transport applications, are often implemented without token management solutions. To ensure that issuers get the most out of their token-based projects, choosing a token management platform which provides the capability to add value, now and in the future, is a logical decision. Covered in this document are five main reasons for issuers to implement a token management system. Reduces cost When carrying out the provisioning of new services and application updates using a token management system, there is no need to re-issue a new card, experience downtime of services or incur new set up or issuance costs. Post-issuance personalisation therefore provides cost savings as administration, paperwork, packing and distribution costs are all reduced. Good for the bottom line and good for the environment! Minimises risk By using a token management system, changes to an end-user's personal details can be made post-issuance, either 'over-the-air' (OTA) to mobile devices or via reader terminals for smart cards. With mobile devices these changes can be made in real-time, minimising the risk of interim misuse and increasing the overall security for end-users and issuers alike. Simplifies operations Simple operations are essential to the efficient work flow of any business. Token management solutions enable the centralised management of data related to the card or mobile device, end-user and the applications, thereby enabling secure and streamlined communications. Intuitive software interfaces also mean that the solution is easy to use! Secures long-term investment and ROI Businesses need to ensure that any investment provides long-term ROI. By implementing a token management solution, the overall system becomes flexible enough to meet future market demands. Regardless of today’s requirements, a flexible platform enables the integration of tomorrow’s technical advancements, without the need for complete infrastructure changes. Enhances customer experience Token management solutions also allow end-users to personalise their daily application requirements to increase customer convenience and in the medium to long-term, increase customer loyalty. Added to that, post-issuance capability reduces the customer’s inconvenience and involvement in issuer admin processes for reissues, reinstating PINs etc. Martin Cox Global Head of Sales m.cox@bellid.com Bell ID With over 20 years of expertise, Bell ID is considered the world’s leading provider of lifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones) deployed in single and multi-application programmes. www.bellid.com

1. 5 Reasons That Justify
a Token Management System

3. 5 reasons that justify
a token management system
Smart (chip) card schemes, whether that be for payment,
identity or transport applications, are often implemented
without token management solutions. To ensure that issuers
get the most out of their token-based projects, choosing a
token management platform which provides the capability to
add value, now and in the future, is a logical decision.
Covered in this document are five main reasons for issuers
to implement a token management system.

4. 1. Reduces cost
When carrying out the provisioning of new services and
application updates using a token management system,
there is no need to re-issue a new card, experience
downtime of services or incur new set up or issuance
costs. Post-issuance personalisation therefore provides
cost savings as administration, paperwork, packing and
distribution costs are all reduced. Good for the bottom
line and good for the environment!

5. 2. Minimises risk
By using a token management system, changes to an
end-user’s personal details can be made post-issuance,
either ‘over-the-air’ (OTA) to mobile devices or via
reader terminals for smart cards. With mobile devices
these changes can be made in real-time, minimising
the the risk of interim misuse and increasing the overall
security for end-users and issuers alike.
For application providers, a secure management system
allows each service operator to confidently access its
applications on the token in order to make the relevant
updates.

6. 3. Simplifies operations
Simple operations are essential to the efficient work
flow of any business. Token management solutions
enable the centralised management of data related
to the card or mobile device, end-user and the
applications, thereby enabling secure and streamlined
communications. Intuitive software interfaces also
mean that the solution is easy to use!

7. 4. Secures long-term investment and ROI
Businesses need to ensure that any investment provides
long-term ROI. By implementing a token management
solution, the overall system becomes flexible enough
to meet future market demands. Regardless of today’s
requirements, a flexible platform enables the integration
of tomorrow’s technical advancements, without the
need for complete infrastructure changes.

8. 5. Enhances customer experience
Token management solutions also allow end-users
to personalise their daily application requirements to
increase customer convenience and in the medium
to long-term, increase customer loyalty. Added to
that, post-issuance capability reduces the customer’s
inconvenience and involvement in issuer admin
processes for reissues, reinstating PINs etc.

9. Martin Cox
Global Head of Sales
m.cox@bellid.com
With over 20 years of expertise, Bell ID is considered the world’s leading provider of
lifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones)
deployed in single and multi-application programmes.
www.bellid.com