Centralize and Secure EMV Data Preparation
EMV card issuance depends on the secure generation, management, and delivery of card personalization data. Financial institutions must ensure that cryptographic keys, EMV parameters, and issuer-specific data are prepared accurately while maintaining strict security controls throughout the issuance process.
Barnes Smart Solutions P3 is a mature EMV data preparation platform designed to help issuers prepare data for smart card personalization while retaining full control over cryptographic assets. The solution supports complete in-house issuance, centralized issuance environments, and outsourced card personalization models.
Key Capabilities
Explore key capabilities of utilising the P3 solution
100% in-house control
Delivers 100% in-house control over cryptographic keys.
100 % support for payment apps
Supports all major card association payment applications.
Keys and EMV parameters
Generates keys and EMV parameters from existing magnetic stripe files
Instant issuance & cards replacement
Supports instant issuance and on-demand replacement of cards.
Output formats
Flexible output format to support personalisation of MULTOS
Communication to HSM
Secure communication to hardware security module / HSM (TLS)
Keep Cryptographic Control In-House
Unlike many outsourced issuance models, P3 enables issuers to retain control of master keys and security processes while supporting external personalization providers when required.
| Business Challenge | Barnes P3 Solution |
|---|---|
| Limited visibility into key management | Full issuer control over cryptographic keys |
| Complex EMV migration projects | Automated EMV data preparation workflows |
| Multiple card schemes to support | Multi-scheme application support |
| Outsourced personalization risks | Secure integration with personalization bureaus |
| Slow card issuance processes | Support for batch and instant issuance |
Support Multiple Issuance Models and Card Programs
Issuers increasingly need flexibility to support multiple card products, payment schemes, and issuance channels. Traditional issuance environments often struggle to adapt quickly to changing business requirements and payment standards.
P3 supports a broad range of EMV applications and payment schemes while allowing issuers to deploy centralized issuance, branch issuance, instant issuance, or hybrid issuance models. The platform supports smart cards, EMV tokens, and related payment applications across financial and non-financial environments.
Built for Modern Issuance Requirements
Organizations can support card replacement, instant issuance, migration programs, and new payment products using a common data preparation platform.
Integrate with Existing Card Management and Personalization Systems
Replacing card issuance infrastructure can be costly and disruptive. Financial institutions require solutions that integrate with existing card management systems, host platforms, personalization bureaus, and hardware security modules.
Barnes P3 integrates with legacy CMS platforms, personalization systems, HSM environments, and card production workflows. This enables organizations to modernize issuance processes without replacing existing investments.
Designed for Operational Flexibility
P3 supports configurable input and output formats and can accommodate multiple personalization environments and card technologies.
Accelerate EMV Innovation While Maintaining Security
Payment ecosystems continue to evolve through contactless payments, mobile wallets, tokenization, and new card technologies. Organizations need a platform capable of supporting innovation without compromising security or compliance.
P3 enables issuers to support multiple payment schemes, EMV applications, instant issuance programs, and future card technologies while maintaining rigorous security controls and industry-standard compliance requirements.
Future-Ready Issuance Platform
The platform continues to evolve through ongoing development, support services, training, consulting, and integration capabilities delivered by Barnes Smart Solutions.
| Industry | Typical Use Cases |
|---|---|
| Financial Institutions | Debit, credit, prepaid and commercial card issuance |
| Telecommunications | Secure subscriber and payment-enabled card programs |
| Public Sector | Government-issued smart cards and citizen credentials |
| Retail | Co-branded payment and loyalty cards |
| Hospitality | Guest loyalty and payment card programs |
| Wholesale & Distribution | Corporate procurement and payment cards |
- Maintain full control of EMV cryptographic keys
- Prepare data for card personalization securely
- Support instant, batch, and centralized issuance
- Integrate with existing CMS and personalization systems
Key Advantages of Barnes P3
In-House Cryptographic Control
Maintain ownership and control of cryptographic keys throughout the issuance lifecycle.
Flexible Issuance Models
Support instant, centralized, outsourced, and hybrid card issuance environments.
Seamless System Integration
Integrates with CMS platforms, HSMs, and personalization systems.
Frequently Asked Questions (FAQ)
P3 is an EMV data preparation platform that enables issuers to securely generate and manage personalization data for smart cards and payment applications.
Banks, card issuers, payment processors, personalization bureaus, and organizations operating smart card issuance programs.
Yes. P3 supports centralized, batch, and instant card issuance environments.
Yes. The platform integrates with existing card management systems, HSMs, and personalization infrastructures.
Maintaining control of issuer master keys reduces security risks and helps organizations comply with internal security policies and payment industry requirements.
