EMV Data Preparation
Import · EMV Generation · Crypto · Production Files
From issuer data to production file.
EMV-ready, HSM-secured, chip-encoded.
bRUID dPrep is the EMV data preparation module that transforms issuer input files into production-ready output for card personalization machines. It imports cardholder data from CMS, enriches magnetic stripe data with EMV chip data, performs cryptographic calculations via bRUID Kms, generates TLV templates, and produces DC9/MDB production files - all through an intuitive GUI with user management and plug/unplug component architecture.
dPrep + KMS + cPerso
Production file formats
Zero plaintext exposure
Modular components
bRUID dPrep processes issuer data through five sequential phases - from raw CMS input to production-ready files that drive graphic, magnetic, and chip card personalization on the shop floor.
Reformats issuer input files (CSV, XML, flat files) from CMS or core banking into the internal XML format used by bRUID dPrep for downstream processing.
Enriches magnetic stripe data with EMV chip data. Maps issuer fields to EMV tags, generates application data, and builds chip-specific records for each card.
Requests cryptographic calculations from bRUID Kms (HSM). Per-card key derivation, PIN encryption, SDA/DDA/CDA certificate generation - master keys never leave the HSM.
Reorganizes data into TLV structures - building, concatenating, and formatting EMV templates according to card profile configurations and scheme requirements.
Outputs DC9 files (chip data) and MDB/LiteProdfile (graphic + magnetic data) - ready for personalization machines on the shop floor.
Input file with embossing data
EMV data generation phase
Cryptographic calculations
DC9 + MDB output generated
Graphic, magnetic & chip encoding
Personalized, ready for customer
bRUID dPrep provides both GUI-based configuration and automated processing - from EMV data management to production file generation with full audit trail.
Customizable data import that reformats issuer files (CSV, XML, flat) into internal XML. Supports multiple CMS vendors and core banking formats with field mapping configuration.
GUI-based EMV data configuration. Manage card profiles, application parameters, floor limits, and scheme-specific settings through XML configuration files - no code changes needed.
Modular architecture with pluggable data processing components. Add, remove, or customize transformation functions without affecting the core pipeline. Develop custom components for specific issuer needs.
Seamless HSM cryptographic services - per-card key derivation, PIN block generation, SDA/DDA/CDA certificate computation, ARQC verification. Master keys never exposed in cleartext.
Card profiles for Visa, Mastercard, RuPay, Amex, and local payment schemes. Scheme-specific EMV tag mapping, script generation, and risk parameter configuration.
Role-based access control with operator and administrator roles. Complete audit trail for every data preparation run with record-level tracking and reconciliation.
bRUID dPrep requests all cryptographic operations from bRUID Kms. No key is ever stored or exported in cleartext - key ceremonies with Security Officers ensure tamper-proof key lifecycle.
Local Master Key - incorporated into HSM, ciphers all stored data
Zone Master Key / Transport Key - secure key exchange between systems
Initial card keys from card manufacturer for unlocking virgin cards
PIN encryption keys for cardholder PIN block generation and mailer printing
Card authentication method certificates for terminal offline verification
Application request cryptogram keys for online transaction authorization
KEK PIN, KEK, MICCK - key sets to unlock and secure card personalization
Bank issuer master key for deriving per-card applicative keys
bRUID dPrep works alongside bRUID Kms and bRUID cPerso as the three pillars of the central card issuance solution.
EMV data preparation - import, enrich, transform, and generate production files for personalization.
Key management and HSM cryptographic services - key ceremonies, derivation, PIN, and certificate operations.
Card personalization software - executes graphic, magnetic stripe, and chip encoding using production files.
Deploy bRUID dPrep as your central issuance data preparation engine - from issuer CMS to personalization-ready production files, HSM-secured end to end.
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