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SECCOS: A multi-application operating system

As one of the largest and most experienced end-to-end providers of card-based payment products and services, G&D has developed a profound understanding of the differing market requirements and customer needs in numerous countries throughout the world. To fulfill the many different demands on its solutions, G&D delivers them on sophisticated platforms that are tailored to the local market conditions of each customer and region.

SECCOS (Secure Chip Card Operating System):

• A multi-application operating system that was specified by the German Central Credit Committee (ZKA). SECCOS stands for Secure Chip Card Operating System.
• The current specification is Version 6.
• SECCOS complies with the requirements of CPA and EMVCo.

Benefits and added value

• The multi-application concept allows a single implementation per initialization to be configured for a variety of different cards.
• The applications include GiroCard, Maestro, MasterCard, and Visa, as well as one-time passwords, marketplaces, bonus programs, and applications for public transport.
• SECCOS offers a CC-compliant (Common Criteria), secure signature application.
• SECCOS offers both electronic purse functionality and the equivalent for retail, the “Secure Application Module (SAM)”.

Products and services

• Specific masks for various markets
• SECCOS standard (e.g. ecD7.1, ecD7.2) for contact-based standard applications, including the signature application in accordance with Common Criteria
• SECCOS short version (ecD7.3) for contact-based standard applications, without the signature application in accordance with Common Criteria
• SECCOS dual interface for standard applications, without the signature application in accordance with Common Criteria (e.g. ecD7.4)
• SECCOS dual interface for standard applications, without the signature application in accordance with Common Criteria, but with the VDV application for public transport applications (ecD6.8)
• The trend is moving generally in the direction of dual interface cards.

Target groups and users

• Mainly German bank customers and publishing houses
• Almost every German bank card with an integrated chip is a SECCOS card
• Public transport
• Electronic signature

People’s Bank of China (PBOC)

G&D has developed card solutions specifically for the local Chinese market for PBOC (People’s Bank of China) and was involved in the development of PBOC-compliant products from the outset. Within PBOC’s core Chinese market, G&D distributes a wide variety of card products for contact-based, contactless, and dual-interface-based payment transactions, all of which correspond to PBOC's specifications.

Advantis

Advantis (previously TIBC) is a multi-application operating system for payment transactions that is primarily used in Spain, Latin America, and the Caribbean.

Proton PRISMA

The Proton PRISMA platform supports a wide range of bank-specific applications, e.g. electronic purses, as well as customer-specific applications outside the banking sector, such as bonus programs or secure access authorization.

MULTOS

MULTOS is a multi-application operating system for smartcards which uses open standards and allows a variety of applications to be run on the same smartcard. MULTOS products are available in various versions, including SDA, DDA, Dual Interface and more.