Whether you are in banking, telecommunications, transportation, healthcare, security or other areas, Smart Card Technology is a fast-growing market which has become common place in our culture and daily lives.
As a leading and independent full service provider for SmartCard, RFID and NFC related solutions, CTC advanced’s SmartCard Technologies Competence Center offers a wide range of services to implement the type approval process for mobile payment applications, ICC cards, wearables and terminals.
ePAYMENT Banking, Mobile Payment & mPOS Solutions
EMVCo American Express Discover Mastercard Visa DK-Die Deutsche Kreditwirtschaft
eIDENTIFICATION ePassport, nPA BSI ICAO
eHEALTH Electronic Health Cards gematik
BIOMETRICS Mastercard (mobile devices) Visa (terminal)
NFC Qualification tests of NFC devices based on ISO/IEC 14443 and ISO/IEC 10373
CTC advanced offers Type Approval Testing, Pretest / Debug Testing and Consultancy for the above mentioned smart technologies. CTC is a holder of various accreditations and is able to serve various test schemes. Last but not least CTC advanced is active member in standardization activities, such as the ETSI, NFC Forum, EMVCo Technical Associate, etc. Find our more on our Test Schemes and Accreditations here:
Advanced testing services for biometric card products
CTC advanced is ready for Mastercard and VISA Biometric card testing
Latest market data show that Biometric cards with fingerprint are accepted by consumers. The technology of Biometric fingerprint authentication makes payment easier and more secure, both in retail and in digital commerce (eCommerce). In particular, the increased security during payment transactions with the intensively tested fingerprint sensors and the sophisticated software algorithms is seen as a massive step towards fraud protection.
The current sensors are mature and can be used because years of experience in the field of identity documents (passport, ID card) can be drawn on here. The international standards for fingerprint technology (NIST, ISO, FIDO) are also taken into account for the new payment cards.
As a test laboratory, CTC advanced has been involved with this new technology from the very beginning. As a recognized test lab for EMVCo, Mastercard, VISA, AMEX, Discover and Deutsche Kreditwirtschaft (GBIC), CTC advanced was able to build on many years of experience in functional testing of payment products.
What are the benefits for the card issuer?
The high acceptance of the Biometric payment card, which is of course contactless, has been accelerated by the developments of the Covid-19 Pandemic and has proven to be durable. Consumer confidence in card payments is thus increased for both the customer and the retailer (point of acceptance).
What is the test scope for Biometric card testing at CTC advanced?
Quality assurance is a key step in the process of creating a certifiable Biometric identification or payment product. To optimize and guarantee high quality, CTC advanced offers additional services for manufacturers and issuers of a fingerprint-based Biometric product to optimize the products during the different development stages:
Fingerprint sensor: Functional tests under clear test conditions and with defined acceptance criteria (FAR, FFR, IAPMR).
Biometric card products for the market: for example Mastercard, VISA
In particular, CTC advanced provides a comprehensive test environment for Pre-testing and type approval (final tests for market launch).
For more information on Biometric testing, please see YouTube
CTC advanced is accredited by AMEX to perform Type Approval Testing on:
Expresspay Terminal Level 2 contactless
Cards / Wearable
Level 1 Contact and Contactless (ID1)
Card Functional (AEIPS and XPAY)
Level 1 Mobile Handset (UICC and HCE)
CTC advanced is accredited by Discover to perform Type Approval Testing on:
Contactless D-PAS Terminal Application
Contactless D-PAS Terminal Cross Testing
Card / Wearable
Contact D-PAS Card Application
Contactless D-PAS Card Application
Mobile D-PAS Card Application (SE)
CTC advanced has been recognized by the DK (German for: Central Credit Board) as a laboratory for functional testing for payment terminals in the German Banking Sector. The DK (before ZKA Zentraler Kreditausschuss) is the central association of the German banks.
CTC advanced’s test services according to the DK approval procedure include:
Electronic Cash Terminals and Network Components
Payment Network Host Systems
German ATM System (GA 2015)
DC-POS 3.0 / TA 7.2
Smart cards are becoming increasingly important in the health sector. They facilitate the administration of patient data and accounting for medical services rendered. Because they are easy to use, they also contribute to cushioning the cost explosion that is taking place in the health sector.
CTC advanced is accredited by gematik as a test lab for Gesundheitskarte terminals and connectors.
Gematik (Gesundheitskarte / german electronic health card)
Card interface testing (based on EMV Level 1 specification)
German BSI CTC advanced is the only test lab in the world that has obtained the global accreditation according to ISO 17025, as well as the recognition of the BSI (Bundesamt für Sicherheit in der Informationstechnik / German Federal Office for Information Security) for the testing of the RF-interface of electronic travel documents.
CTC advanced conducts the following tests:
Certification testing according to BSI TR-03105, Part 2 (documents)
Certification testing according to BSI TR-03105, Part 4 (reader devices)
Certification handling with BSI
Further services In our ISO 17025 accredited laboratory we test electronic travel documents (passports and national ID cards) as well as the different development stages of these products (chips, inlays, etc.) according to national and international requirements. These services are also available for the corresponding reader devices. In addition, we support you in the handling of application formalities and the accomplishment of the certification procedure with the referring national certification authorities.
In addition to the BSI standards mentioned above we offer test services according to the following specifications:
EMVCo, owned by American Express, JCB, Mastercard, UnionPay and Visa, manages, maintains and enhances the EMV® Integrated Circuit Card specifications for chip-based payment methods. EMV® is a global standard to ensure interoperability between smart cards and terminals (contact & contactless) on a worldwide basis, regardless of the card's manufacturer, financial institution or purpose.
CTC advanced is accredited by EMVCo for testing for certification in the following areas:
EMVCo Contact Terminal Level 1and 2
EMVCo Contactless Terminal Level 1
EMVCo Contactless Product Terminal (Level 2)
EMVCo Terminal ESD Evaluation
Cards / Wearables
EMVCo Contact Card Level 1
EMVCo Contactless Card Level 1
EMVCo CCD & CPA Card
EMVCo Mobile Level 1 (Phase II)
CTC advanced is accredited by Mastercard to perform Testing Services on:
Acceptance Devices (Contactless Terminal Level 2)
Contact, contactless and dual interface testing
Mastercard Cloud Based Payments (MCBP)
Mastercard Mobile Payment (incl. HCE / SE)
Mastercard Mobile Payment Application (MPA)
Mastercard Biometric Functional Testing
CTC advanced is accredited by Mastercard to act as a Formal Approval Service Provider for:
GICC-TIP (specific approval service to the German market)
Near Field Communication (NFC) is an extension of the existing SmartCard standards (contactless/RFID) that combines the interface of a smartcard and a reader into a single device.
Our Lab offers different test services for NFC devices:
Qualification tests of NFC devices based on ISO/IEC 14443 and ISO/IEC 10373
Whether RFID technology is used for ePassport, Contactless or NFC applications, CTC advanced supports customers in setting and evolving the performance, ensuring that products meet the expectations for regulatory, quality, health, environmental and safety standards for almost any market around the world.
In Germany VDV eTicket Service GmbH & Co. KG (VDV-ETS) is responsible for the development of the VDV Core Application, the German standard of electronic fare management. To ensure interoperability, all eTicket applications must comply with this standard.
CTC advanced has been designated by VDV-ETS, who manages the standard and offers services for system support, as the official test lab for conducting the related certification tests to make sure that all eTicketing systems are in compliance with the VDV Core Application.
To ensure proper implementation of all involved systems at a maximum reliability and security level all terminal types, background systems, SAMs and smartcards will be tested following the VDV Core Application specifications. The referring test tools are provided by UL Transaction Security, well-known for its expertise in the field of test tool development.
CTC advanced’s eTicket test spectrum following VDV Core Application comprise:
Qualification testing for smartcards
Qualification testing for security modules
Qualification testing for terminals
Qualification testing on background system interfaces
Qualification testing on barcode readers
Requirement for qualification testing is physical testing and inspection of the Device under Test (DUT). CTC advanced conducts this testing and inspection for the customers.
As a further service in the eTICKETING area, CTC advanced offers (currently, as the only laboratory recognized by the German Federal Office for Information Security) compliance tests according to the Technical Guideline BSI TR-03150:
Contactless media according to BSI TR-03150 Part 1
Contactless readers according to BSI TR-03150 Part 2
In case of a passed compliance test, our customers have the option (by submitting the test report issued by CTC advanced) to apply for a certification (according to Technical Guideline BSI TR-03150) of their product directly at the German Federal Office for Information Security (on request, we gladly support our customers with the handling of this certification process).
In addition, CTC advanced offers tests according to the international standard CEN/TS 16794:2017 – tests for both contactless media and contactless readers are available here as well.
CTC advanced is accredited by Visa to perform Type Approval Testing on:
Visa contactless device and reader (MSC, qVSDC, VOQOS and CrossTesting)
Biometrics Terminal Specification
Cards / Wearables
VSDC functional testing (incl. Level 1)
Contactless testing (VCPS)
Contact testing (VIS)
Dual interface testing
Visa Mobile Payment (incl. HCE)
Visa Mobile Payment Application (VMPA incl. UICC/SE)
Terminal / Device / Reader
American Express Expresspay Terminal Level 2 contactless