For Banking & Financial Services
The payment ecosystem is undergoing extensive disruption.
Financial giants, credit card companies, payment processors and banks have coined the payments
ecosystem for decades,
but new non-banking players and innovations in FinTech, virtual banks, mobile payments, and
blockchain are changing the industry.
Regulatory changes including PSD2 and PCI impact the industry in unprecedented ways.
Utimaco payment and general-purpose HSMs help you stay abreast of compliance requirements while
reducing your total cost of ownership and making your HSM estate future-proof and cloud-ready.
Read along to find out how Utimaco can help.
Why Utimaco for Banking & Financial Service?
With this rapidly changing market, it’s vital to have a trusted and experienced partner by your side –
one who has shown a commitment to innovation and has vast experience in the payments ecosystem.
Atalla, a trusted name in the world of payment HSMs since 1972, is here to support customers with its
next-generation HSMs.
Atalla AT1000 can help you achieve the highest level of security keeping you compliant with all the
government enforcement and compliance requirements such as FIPS and PCI v3.
With the addition of Atalla to the Utimaco family, all players across the financial services market can
feel confident their innovations in payments are secured, today and tomorrow.
Find out why Christopher May, CEO of Finoa uses Utimaco to secure their banking products
Find out why Michael Engel, Head of Software Solutions at Diebold Nixdorf likes working with Utimaco
Digital Banking & Financial Services
Online banking and mobile payment market are growing. Both Fintech and established players are
setting the pace in innovation, redefining regulation and their own business models.
To secure their competitiveness, players in the banking and financial services industry will look to
their vendors to help them compete and comply.
Utimaco is committed to continually investing in innovation in payments. HSMs and data protection
will remain the backbone of the non-cash payment industry.
Utimaco’s solutions help banks take advantage of this opportunity by ensuring customer trust and
regulatory compliance.
Cryptography is the single proven technology that delivers protection on an extremely high level,
and HSMs are the custodians of trust for cryptography.
As the Root of Trust, they securely hold highly-sensitive key material, process transactions as well
as generate, issue and validate identities and payment cards.
Utimaco is serving its customers with different application needs within the banking and financial
space. Some of the use cases include:
Use Cases
- PIN Processing
- 3-D Secure
- Card / User Verification
- ATM Interchange
- Data Integrity
- Processing Transaction Data
- Data Encryption / Decryption
- Initialize Remote Payment Devices
- PIN Translations and Authorization
- Payment Card Verification, Production and Personalization
- Electronic Funds Interchange (EFTPOS, ATM)
- Cash-Card Reloading
- EMV Transaction Processing
- Key Generation and Injection
- ATM Remote Key Loading
- Interbanking Clearing and Settlement
- Card Issuance
- Alternative Payment Methods
- Mobile and eWallets
- Contactless
- Cloud Payment Standards
Utimaco's Offering For Banking & Financial Services Customers
Solutions from Utimaco for the banking and financial services industry create trust to answer and
anticipate the security, business and regulatory challenges for the non-cash payment market – no
matter where data is created, shared or stored.
We protect the confidentiality and integrity of your data and transactions.
To support customers and partners, Utimaco offers two HSM product lines for the banking and
financial services segment with payment and card issuance functionality.
In addition to that, Utimaco offers solutions in the general-purpose HSM space and key management to
achieve highest level of security and compliance:
Atalla AT1000
The Utimaco Atalla HSM is a NextGen PCI PTS HSM v3.0 and FIPS 140-2 Level 3 certified payments HSM designed to protect customer sensitive data, perform cardholder authentication, and manage the cryptographic keys used in eCommerce retail payment transactions.
PaymentServer
Utimaco PaymentServer is a PCI PTS HSM v3.0 and FIPS 140-2 Level 3 certified payments Hardware Security Module designed for card personalization and OEM opportunities. An HSM’s function is to protect and manage digital keys for strong authentication.
SecurityServer
A general-purpose HSM that ensures the security of cryptographic key material for servers and applications. It supports all cryptographic APIs typically used for public key infrastructure (PKI), document and code signing, key injection for securing devices in the IoT and database encryption.
Enterprise Secure Key Manager (ESKM)
A comprehensive key management solution designed to manage the lifecycle of cryptographic material in a cryptosystem. It includes dealing with the generation, exchange, storage, use, crypto-shredding (destruction) and replacement of keys.
Interested in our solutions for banking & financial services?
Please contact us at info@utimaco.com if you want to know more about our offerings or have any questions.