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OT’s Cosmo RSA v5, the First Durbin-Compliant Debit Card Certified by MasterCard for the US EMV Migration

Oberthur Technologies (OT), a world leader in digital security solutions for the mobility space, today announced that it has developed the first debit card certified by MasterCard that meets the Durbin Amendment guidelines. These guidelines require issuers to identify two unaffiliated debit networks, for each debit or prepaid card they issue.

OT’s Cosmo RSA v5 M/Chip™ Multi-Application is developed on OT’s Global Platform compliant and java-based operating systems and is capable of supporting dynamic data authentication. It builds upon the existing products available on OT Cosmo RSA v5 platform and is specifically designed to support the combination of MasterCard debit and the U.S. debit “Maestro U.S.” Application Identifiers (AID) required to support Debit cards issued in the U.S.A. The Cosmo RSA V5 M/Chip Multi-application has been developed to minimize memory requirements, allowing optimal support of the unique routing requirements stemming from the Durbin Amendment included in the Dodd-Frank financial reform legislation.

“Being first to receive this MasterCard certification for the U.S. market is a major achievement for OT. It demonstrates OT’s ability to deliver the right products and services to our customers at the right time, leveraging our long and close relationship with MasterCard” said Martin Ferenczi, President for North America at OT.

“Thanks to our R&D and investments in North America, we are the first offering a product addressing the debit market in the US. With this new product, OT reinforces its position as an undisputed leader in the U.S. by now offering a complete range of U.S. debit compliant products, which support the EMV debit migration ramp-up in 2014” said Eric Duforest, Payment Business Unit Managing Director at OT.

OT manufactures all its EMV cards in the United States at its ISO 9001 certified manufacturing facility in southeast Pennsylvania. OT has integrated support for the Cosmo RSA v5 M/Chip™ Multi-Application into its proprietary Common Personalization System (CPS), a single, global personalization engine which has been developed over the past ten years incorporating worldwide EMV best practices and deployed across Oberthur Technologies’ network of 40 personalization service centers. CPS has been personalizing EMV cards since 2010 in OT’s bi-coastal personalization service centers located in Northern Virginia and Southern California.

Cosmo RSA v5 is available for immediate deployment.


OT is a world leader in digital security solutions for the mobility space. OT has always been at the heart of mobility, from the first smart cards to the latest contactless payment technologies which equip millions of smartphones. Present in the Payment, Telecommunications and Identity markets, OT offers end-to-end solutions in the Smart Transactions, Mobile Financial Services, Machine-to-Machine, Digital Identity and Transport & Access Control fields. OT employs over 6 000 employees worldwide, including 600 R&D people. With more than 50 sales offices across 5 continents and 10 facilities, OT’s international network serves clients in 140 countries. For more information: www.oberthur.com

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