Our client, a global payment network, sought to align its Card Personalization Validation (CPV) process with EMVCo L3 standards.
Their existing CPV process was manual, spreadsheet-based, and involved proprietary CPV tools, making it cumbersome and inconsistent.
They wanted to streamline this through an intuitive online profile form (OPF) that would automate the process for different form factors - CPF (Card Profile Platform) and MPF (Mobile Profile Platform) - and create a standardized, machine-readable output file that could be imported into any EMVCo-compliant CPV tool.
Before partnering with Payhuddle, the CPV process had the following challenges:
Payhuddle developed a bespoke, web-based solution that streamlined the entire CPV process.
Key elements of our solution include:
A single platform for issuers to generate machine-readable card profiles by answering structured questions.
Supports multiple versions of CPV forms and enable seamless upgrades from older to newer formats, ensuring backward compatibility and compliance.
We defined the framework for the machine-readable card profile output file referred to as the Online Profile Form (OPF), ensuring that all EMVCo L3-compliant CPV tools could seamlessly import it.
The issuers could independently generate and manage card profiles without extensive administrative oversight.
Automated generation and parsing of low-level data formats (bits & bytes) for CPV inputs, eliminating manual handling
Custom Form Template Creation Issuers can define and generate their own form templates, offering flexibility to meet specific regional or internal requirements.
Enables the generation of detailed, customizable reports directly from CPV forms, helping issuers and stakeholders gain insights and track changes.
Instant updates to card profiles and test cases, ensuring consistency across the board.
Robust mechanisms to manage access and maintain data integrity.
During the project, Payhuddle addressed several challenges.
The manual card profiling process was one of the most prominent hurdles. Issuers had to rely on spreadsheets, leading to potential data entry errors and inconsistencies.
To address this, Payhuddle automated the entire form-filling process by introducing a standardized, machine-readable Online Profile Form (OPF) that supports multiple form factors. significantly reducing manual intervention and ensuring data accuracy. It significantly reduced manual intervention and ensured data accuracy across all submissions.
Administrative overheads posed a significant challenge. Coordinating with multiple stakeholders across various regions proved to be a complex and time-consuming task.
By centralizing card profile management through a single platform, Payhuddle minimized the need for constant coordination and streamlined communication.
Rolling out updates for new test cases and card profiles was another area that required attention. Traditionally, these updates were time-consuming and lacked consistency.
Payhuddle addressed this by implementing over-the-cloud updates, allowing for instant deployment and ensuring uniformity across the platform.
The absence of a centralized knowledge base was a challenge for issuers.
To mitigate this, Payhuddle integrated a comprehensive knowledge base within the platform, providing users with step-by-step instructions and good practices, thereby enhancing user autonomy and process consistency.
Issuers lacked flexibility in adapting the CPV forms to their internal requirements or regional specifications.
To overcome this, Payhuddle introduced customizable form templates, empowering issuers to tailor the forms without compromising standardization.
There was no reliable mechanism for parsing bits and bytes or generating exhaustive reports, leading to inefficiencies in validation.
To resolve this, Payhuddle incorporated an in-built bits and bytes generator and parser, along with customizable reporting tools, to enhance validation, traceability, and audit readiness.
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