Antelop Streamlines and Accelerates the Launch of Apple Pay, Google Pay, and Digital Cards with Issuer TSP Hub

Banking CIO Outlook | Monday, July 11, 2022

Nicolas Bruley, CEO

Antelopis the Digital Card Partner of banks, certified Visa, Mastercard and CB, answering their digitization challenges. The company digitizes cards and secure banking apps and enables banks to launch Apple Pay, Google Pay, and facilitate digital card and Token Management.

Fremont, CA: Schemes tokenization onboarding and Token Management can be very complicated for banks, even more when they have in-house debit systems and Credit+Prepaid at different 3rd party processors. Antelop addresses this need with its Issuer TSP Hub by providing unified, and certified APIs for banks to onboard schemes tokenization and OEM Pays in a simplified way. It enables them to move from Card Management to Token Management, regardless of the evolution of their traditional card systems, even more, when digital cards are included in banking apps, like the now mandatory Apple Pay push provisioning.

The Antelop PCI DSS platform offers a unified certified set of APIs enabling banks to launch all digital cards use cases and flows (OEM NFC wallets, issuer wallets, and e-commerce tokens) through a simplified connection. This also allows enriching existing banking applications.

It handles all digitization messages from schemes (inbound and outbound) for banks:

• From standard user-initiated provisioning to complex Apple Pay push provisioning, incl. PAN encryption and cryptographic keys management

• Managing ID & V processes between banks systems and schemes TSPs: checking card eligibility, routing the right authentication methods in case of step-up, connecting to SMS/mail gateway for OTP activation, generating push provisioning data, managing in-app enrollment and authentication

The Antelop iTSP Hub offers a holistic approach and natively includes advanced Token Lifecycle Management functionalities:

• Manage tokens (suspend, unsuspend, delete) in a unified, multi-scheme, and multi-use case way

• Benefit from web Back-office tools or APIs version as an extension of your CMS

• Get an aggregate view of tokens per client (CardID, Devices, Tokens, Use cases) across schemes and CMS.

• Reassign a new PAN to existing tokens when the PAN is updated (e.g., stolen, lost, or card renewal)

Upgrade the iTSP Hub with Antelop Token Manager

The Antelop Token Manager is an extra set of APIs exposed to the bank app that offers a consolidated token view and allows clients to push and control all of their digital cards stored into different e-commerce merchants and NFC wallets. It also natively supports Apple Pay push provisioning required for banks.

The solution is hosted in a certified PCI-DSS environment in the European Union (GDPR-compliant). It is already live with several banks and processors in the EU, LATAM, and MEA and is certified for all available use cases (e.g., Apple Pay, Samsung Pay, Google Pay, Garmin Pay, FitBit Pay, e-commerce tokens).

All API connections to schemes are already certified and managed by Antelop. The scheme project complexity is reduced, and certification processes are simplified. Overall, via a simple set of unified APIs, the Antelop Issuer TSP Hub allows banks to launch Apple Pay, Google Pay easily and manage digitization and lifecycle management messages from schemes TSPs in a unified and simplified manner. The Antelop iTSP allows banks to provide a mobile-first, digital card experience to their customers.

Antelop has been selected as one of the Top 10 Digital Banking Solution Providers in Europe 2020 by Banking CIO Outlook.

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