Instant Card Issuance
Branch-Level · Real-Time EMV · Under 90 Seconds
Walk in. Get your card.
EMV-personalized on the spot.
bRUID iPerso brings the entire central issuance pipeline - data preparation, cryptographic services, EMV encoding, and bRUID applet provisioning - to the bank branch. No waiting for central bureau. Customer walks in, completes biometric enrollment, and walks out with a fully personalized, chip-encoded, contactless-ready payment card in under 90 seconds.
Card-in-hand time
No central bureau needed
Biometric on every card
bRUID Kms cryptography
bRUID iPerso runs the same EMV data pipeline as central issuance - import, EMV generation, cryptographic services, template building, and chip encoding - but compressed into a single-card, real-time workflow at the branch. The same bRUID Kms HSM security. The same production-grade output. Just instant.
KYC verification and ICBA biometric enrollment - fingerprint, face, or iris captured at the branch. Identity linked to card from the first second.
Single-card EMV data generation in real time. Import from CMS, enrich with chip data, request cryptographic services from bRUID Kms - all in seconds, not hours.
EMV chip personalization with APDU script execution on virgin card. bRUID applet provisioned with biometric template. SDA/DDA/CDA certificates written.
Card embossing, printing, and magnetic stripe writing on branch-deployed personalization hardware. Visual and chip QA verification before delivery.
Everything the central bureau does - compressed into a branch-level, single-card, real-time workflow.
Single-card data preparation with EMV data enrichment, TLV template building, and scheme-specific tag mapping - all in real time instead of batch processing.
Per-card key derivation, PIN block generation, and SDA/DDA/CDA certificate computation via bRUID Kms. Same HSM security as central issuance - no compromise.
Load ICBA biometric applet onto virgin card during personalization. Biometric template from enrollment stored on-chip for BODA offline authentication at terminals.
Supports Visa, Mastercard, RuPay, Amex, and local payment schemes. Scheme-specific EMV profiles, script generation, and risk parameter configuration at branch level.
Compatible with desktop personalization devices from Matica, CIM, Entrust, and other vendors. Small footprint - fits on a branch counter with USB/network connectivity.
Complete audit trail for every card issued at branch. PCI-DSS compliant with tamper-evident logging, role-based access, and reconciliation with central CMS.
Central bureau card personalization - batch processing for high-volume issuance.
EMV data preparation - import, enrich, and generate production files for central issuance.
HSM key management - same cryptographic engine used by both central and instant issuance.
3-D Secure ACS with biometric authentication for cards issued via instant or central issuance.
Deploy bRUID iPerso at your branches - EMV-personalized, biometric-secured payment cards issued on demand, in under 90 seconds.
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