White Papers

  • Building a Foundation for Mobile Payment

    While mobile adoption affects virtually every global, national and local enterprise that markets to consumers, it is perhaps most evident in the financial market. This white paper addresses the core decisions banks and other card issuers must make to ensure that the mobile era is a time of opportunity and growth — and not a time of defensive tactics.

    856 Kb . pdf

  • Convergence of Government Programs With Other Card Sectors

    Many technologies are converging in the use and application of identification cards as a result of unprecedented growth in the demand for optimum national security throughout the globe.

    63 Kb . pdf

  • Designing an ID Document for Enhanced Security

    This paper is intended as a reference for government officials considering how best to issue secure IDs. Because there are trade-offs with each model and different requirements for each issuing agency, there is no “best” method.

    115 Kb . pdf

  • Durability of Smart Cards for Government eID

    To be successful, a Government eID smart card program faces many trade-offs. The right combination of components for the complete use chain must be carefully selected and qualified to help ensure that the card will meet the extended life requirements of Government eID cards and does not have to be reissued before its expected life time.

    127 Kb . pdf

  • Election Day Registration - How electronic processing overcomes traditional obstacles

    Many state and provincial government election officials like the concept of election day registration (EDR) — and the pursuant idea of increasing voter participation. Recent advances in electronic voter processing, however, have some election officials conducting pilots or seriously contemplating them.

    1.1 Mb . pdf

  • From Card-to-Envelope: Transforming Card Delivery Programs

    Card issuers are advised to consider advanced card delivery technologies in order to create new revenue opportunities and cross-promote other offerings while reducing operational costs and complexity.

    2.0 Mb . pdf

  • High Security Identification Documents

    In this article, a new framework is delivered for considering and evaluating key trade-offs in selecting and designing a secure identification program. This framework articulates a step-by-step process for determining the right mix of Quality, Security, Durability and Cost (QSDC) to manage that risk.

    546 Kb . pdf

  • How to Personalize a Passport: A Comparison of Available Digital Print Personalization Technologies for Passports

    Over the last 10 years digital print personalization and the incorporation of biometric-carrying chips have revolutionized the way passports are manufactured, personalized, issued and used. The ceaseless activities of counterfeiters and criminals, and the spectacular growth in passenger numbers, are the twin drivers for change. Governments are faced with many factors to consider when choosing passport personalization technologies including quality, security, durability, throughput, cost and legacy systems, as well as the appropriate level of automation and centralization.

    572 Kb . pdf

  • ID Credential Issuance: Central vs. Over-the-Counter Issuance

    With growing concern over the security and effectiveness of every ID System, organizations today are increasingly requiring a broad review of business issues as a critical step in preparing for new and more secure ID issuance. This paper is intended as a reference for government officials considering how best to issue secure IDs.

    84 Kb . pdf

  • ISO/IEC Working Groups Are a Key Driver for ID Security

    In the ID card and government ID sector, the major benefits of standardization are to ensure interoperability and commonality between technologies, data elements and interpretation, as well as to make machine-readable documents easier to read and be recognized. This paper is intended to provide an overview of SC17 and its nine individual sub-working groups or committees and how they work together globally and nationally to bring a high level of value to the ID industry.

    161 Kb . pdf

  • Manufacturing Efficiency in Card Personalization Operations

    This whitepaper provides a summary of theories used for the measurement and analysis of manufacturing efficiency in card personalization operations. The objective is to explain how information contained within an audit trail file with production time stamps can be used to measure and evaluate manufacturing operations, including speed measurement, job size calculation, and performance measurement using techniques to standardize measurement output for variations in average job size.

    362 KB . pdf

  • Optimizing Card Programs to Appeal to Today’s Consumers

    As the financial environment transforms, building lasting, profitable relationships will require financial institutions to develop a deep understanding of consumer preferences and brand loyalty triggers. It will require providing products and services that become fundamental to the consumer’s daily life. For most financial institutions this opportunity lies in payment cards — with a special emphasis on fast-growing debit and prepaid cards.

    369 Kb . pdf

  • Optimizing Card Programs to Appeal to Today’s Consumers (Russian)

    Оптмизация программ выпуска карт с учетом текущих требований потребителей

    1.2 Mb . pdf

  • Taking a Holistic Approach – Best Practices for Over-the-Counter Government ID Card Programs

    Government organizations are regularly challenged to optimize their secure ID programs to ensure that they continuously combat daily threats — from protecting identities and proprietary information, to ensuring that the card they produce is a high-quality document that will be consistent in appearance and closely match all other documents issued in the same ID program.

    1.8 Mb . pdf

  • Taking Transit to Another Level: How NFC Technology Drives Better Outcomes for Operators and Consumers

    The proliferation of smartphones, along with worldwide consumer desire for speed and simplicity, is driving a variety of mobile commerce innovations. Private and public enterprises are also displaying truly innovative thinking in the development of new mobile commerce strategies to drive revenue and enhance customer offerings.

    886 Kb . pdf

  • The Adoption of EMV® Technology in the U.S.

    Visa Inc. and MasterCard recently announced plans to accelerate chip migration in the United States by 2015. There is a new sense of urgency for all players in the market to understand what EMV technology means to them. Financial institutions and card issuers need to begin thinking about how this is going to affect them and what the next steps are to ensure that they are well positioned in the market as this migration happens. This paper is intended to help offer the various stakeholders insight into why now may be a good time to re-evaluate business models and card issuance programs.

    1.4 Mb . pdf

  • The Productive Precinct: Improving Efficiency With Electronic Poll Books

    Across the country, election administrators are improving poll site efficiency by replacing traditional paper poll books with electronic poll books (EPBs). EPBs address many of the issues inherent in the production, delivery and usage of paper poll books. They enable faster check-in, eliminate printing costs and improve post-election data management, among other benefits.

    442 Kb . pdf

  • Transforming Operations for Mass Customization

    The market dynamics that are moving card issuers toward mass customization are not likely to go away. Creating unique value for individual customers via mass customization is a natural progression occurring across many different markets, effectively replacing the mass production techniques that preceded them. Card bureaus and other card issuers that embrace the “markets of one” concept and begin adapting systems and processes for mass customization will not only survive, they will thrive and lead in a competitive market.

    1.0 Mb . pdf


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