KOBIL worldwide secure online banking. Take the challenge anytime, anywhere

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1 KOBIL worldwide secure online banking Take the challenge anytime, anywhere

2 KOBIL stands for secure data and secure communication on any computer in the world. Whether it is for business or private use, KOBIL offers optimal protection for every online workplace and also makes e-banking an easy and comfortable process. Our vision is simple: a secure workplace now and in the future. The market leader in the technology sector sets new standards with its hardware and software products, and is considered a trend setter with its midentity, the smallest bank branch in the world, measuring just 16.9 cm². KOBIL products are future-proof and, thanks to their upgradeability, are always at the cutting edge of development. E-banking solutions powered by KOBIL - these are solutions that offer clear added value to the end customer. The three product lines midentity, SecOVID (One Time Password) and smart card terminals are revenue drivers that open up new business models for the banking industry. KOBIL technology is used by numerous companies such as Deutsche Telekom, Swisscom, Arcor/Vodafone, T-Systems, DATEV, Commerzbank, UBS, Migros Bank, Rothschild Bank, YapıKredi and Isbank as well as the German Parliament, and the German Federal Office for Information Security (BSI). Our vision: a secure workplace now and in the future

3 We at KOBIL take pride in taking on the greatest challenges in product development: to make online banking mobile, user-friendly and highly secure. That is why we always need to stay one step ahead of the game, offering products that make innovative security technology ready for hands-on applications in every day life. We live up to this challenge every day. With more than 23 years of experience in the areas of cryptography, smart card and PKI technology, KOBIL counts among the pioneers of highly secure online banking. Our all-round solutions stand for secure and easy e-banking, making legally binding bank transactions possible worldwide and as safe as in your local bank branch. Welcome fringe benefits of deploying this groundbreaking technology include your cross-selling opportunities and customer loyalty. Hardware and software components that render e-banking authentic and highly secure for a long time are the result of our drive for innovation. Bank Full service solutions for secure online banking

4 UBS Commerzbank YapıKredi MIGROS BANK swisscom Deutsche Vermögensberatung IBM SIEMENS FUJITSU-SIEMENS Deutsche Telekom T-Online T-Systems T-TeleSec Route1 Hypo Vereinsbank Vodafone bank-verlag köln VOLKSWOHL BUND BADENIA DG VERLAG Deutscher Sparkassen Verlag UniCredit Bundes- amt für Sicherheit in der Informationstechnik The great success of our products has made us a reliable partner to many well-known companies from around the world. Bundesnetzagentur McAfee RWE Basler Versicherungen DATEV TÜRKİYE İŞ BANKASI T.C. Ziraat Bankası ING Akbank Koç Grup Worldwide satisfied customers

5 Automatic secure updates for software and firmware The ideal customer retention tool due to the many crossselling opportunities it offers Non-install and portable smart card applications midentity Docking, steady go: midentity enables user authentication, electronic signature and encryption of s, thus making it a state-of-the art mobile solution for online banking. The common challenge of conducting banking transactions online just as secure and convenient as you would in your local bank branch is a thing of the past: All necessary software you need to conduct secure online transactions is already stored on board of midentity you simply have to plug it into the USB port of any web-enabled computer. Online banking without any installation on any Windows, MacOS and Linux computer Fraud protection through hardened applications on board of midentity Longtime protection of your investment thanks to our secure update service Highly secure communication due to the application of digital signatures Convenient usage through easy plug & play installation Easy adaption to changes in infrastructure Replaceable smart cards provide an enormously long product life cycle Fully interoperable with existing standards and specifications Your portable freedom

6 midentity fullsize Completely mobile and running on MacOS, Linux and Windows Continue using your existing smart card in a convenient way with our high security technology. KOBIL midentity fullsize is based on the same technology as midentity except that as a bank customer, you can now use it with your regular bank card. Your existing bank card combined with midentity full size provides ideal security in online banking. User friendly through the usage of full size smart cards Support of full size cards (ISO format) Support of MacOS, Linux and Windows Update service for both firmware and software Easy usage through plug & play Hardened applications on board Anonymous card production system Device management system User mapping Easy plug & play installation with a USB-cable Full size full security

7 Keypad for convenient key entry what you see is what you sign midentity visual S/L future-proof technology for full size and SIM-sized smart cards Backlight display for improved visibility midentity visual S / L What you see is what you sign this slogan best describes the main advantage of KOBIL midentity visual. Internet attacks increase every day and users often do not know if their original transactions have been modified by the time they sign them. This problem is solved by midentity visual because it has a display on which your entered data can be verified before signing. What you see is high security. WYSIWYS (What you see is what you sign) High contrast display Easy-to-use keypad Usable with full size smart cards and SIM-sized smart cards Support of MacOS, Linux, Windows Hardened browser and other applications already on board Secure updates for firmware and software Very high level of security and convenience Anonymous card production Zero footprint for smart card applications What you see is what you sign

8 Smart card technology at the price of OTP technology midentity Token midentity token is the cost-effective alternative to OTP technology offering highest security and mobility levels through the use of a smart card. Longtime protection of your investment as well as ideal customer loyalty are guaranteed by our secure update service, which keeps your token at the cutting edge of development. Non-install smart card applications Automatic firmware updates Portable banking without any installation on any Windows, MacOS or Linux computer Longtime protection of investment thanks to our secure update service Convenient and easy usage through plug & play Exchangeable smart cards provide an enormously long life cycle Support of international standards for quick implementation Zero footprint for smart card applications The smart start

9 Backlight display for improved visibility midentity Token visual S/L Future-proof technology for full size and sim-sized smart cards midentity Token visual S / L What you see is what you sign this slogan best describes the main advantage of KOBIL midentity visual. Internet attacks increase every day and users often do not know if their original transactions have been modified by the time they sign them. This problem is solved by midentity visual because it has a display on which your entered data can be verified before signing. What you see is high security. midentity token visual is the cost-effective alternative to midentity visual. Keypad for convenient key entry what you see is what you sign Exchangeable smart card full size cards and SIM-sized cards Data display for the verification of information Key pad for convenient data entry Portable banking without any installation on any Windows, MacOS or Linux computer Convenient and easy usage through plug & play Secure update service for firmware and software Central access management Identity management Device management Easy rollout mechanism Just secure - what else

10 Large and logically consistent arrangement of keys for error-free code entry Large, high-contrast display for improved visibility DSA-Technology optical interface for easy & secure data communication CAP Optimus comfort The CAP Optimus comfort reader is the latest innovation by KOBIL. Your bank card along with CAP Optimus comfort and any web-enabled PC will be all you need for secure and easy online communication. This well-designed device has integrated optical sensors on the back allowing to read the flickering code displayed on your PC screen to generate your TAN highest online security made by KOBIL. Easy-to-read display Large and easy-to-use keypad Best ergonomics (Lego compliant) Easily replaceable batteries Colored keypad Convenient use in upright format Multilingual (English, German, Turkish) Exellent transfer-detection due to DSA technology Elegance combined with perfect ergonomics

11 Large, high-contrast display for improved visibility KOBIL SecOPTIC We upgraded our well-established OTP technology by yet another technological highlight. The KOBIL SecOPTIC token is equipped with a display as well as a keypad and optical interface for what you see is what you sign. KOBIL SecOPTIC is designed for the convenient use of online banking. Keypad for easy signing - What you see is what you sign Optical interface Display and keypad Cost-effective alternative to smart card readers Replaceable battery High level of security and convenience Easy integration in IT infrastructure Reducing helpdesk costs DSA-Technology optical interface supports easy & secure data communication Advanced security technology

12 Event-synchronous technology You get it when you need it High cost-effectiveness Permanent usability of token through replaceable batteries KOBIL SecOVID Token SecOVID is the product line by KOBIL closing the security gap caused by static, reusable passwords in online banking environments once and for all. This easy way of authentication is independent of the client as well as the software and operating system on the PC. Highly secure access to an online banking platform guarantees longtime customer loyalty. Smooth integration into existing environments through the support of international standards such as Radius or OATH High performance server Unlimited scalability Centralized and simple management of user data Interoperability with third party providers High mobility for the user due to a small token (size of a key ring) OATH version available A simple way of security

13 Automatic secure update for firmware Usage of online and offline functions with one device Runs without any installation on Windows, MAC OS and Linux computers EMV TriCAP Users are on the safe side using this compact and attractive smart card terminal for electronic business. The EMV TriCAP makes PIN interception through viruses or trojans impossible because your data is entered not via the PC, but via the integrated device keypad. Thus, the EMV-CAP Reader contributes in an essential way to enhancing the security and confidentiality in the electronic world. Secure firmware updates for flexible customization in response to new requirements Large, easy-to-handle keypad for secure PIN entry Compatibility with all common standards, including EMV-CAP (connected & unconnected reader) Comprehensive driver support Durable material Online/offline operation Collapsible USB docking station for online operation Common Criteria EAL3+ certified Compliant with German signature law Alphanumerical display for authentic messages Get more of your smart card

14 HTTPS (SOAP) secure your smart security management With the midentity smart security server you can manage your midentity devices all over the world thanks to new technologies like smart spdate, smart check and Existing customer Infrastructure Server Bank KOBIL smart security management Identity Management. midentity combines security when updating software and firmware with a considerable reduction of support costs and guarantees your flexibility and security for the next five years. HTTPS (Browser) Administrator, HelpDesk etc. smart security management

15 M-IDentity enhances security for customers of Migrosbank Due to the continuously rising number of phishing attacks and other cyber crime on the Internet, Migrosbank as the first bank in Switzerland offers their M-BankcNet customers a new technology to carry out e-banking transactions M-IDentity. M-IDentity impresses with both high security and high user convenience. Moreover, the technology is easy to use and completely mobile. Since customers do not have to install any software on the computer, they can insert their USB drive into any PC to access M-BancNet. This innovative system was developed by the German IT security provider KOBIL Systems with headquarters in Worms, Germany. Best of: Free of charge for all customers of Migrosbank Hardened browser on board Secure updates for firmware and software Java on board Adapts to changes in infrastructure Intelligent management system Relaceable smart card Digital signature enabled The next generation in payment transactions If inserted into the USB port of any web-enabled computer, midentity will lead you to the login page of your payment transactions application within Commerzbank s corporate banking portal. There is no need to enter URLs and the system works independent of the software equipment of the host computer because midentity already has its own browser on board. Thanks to automatic updates, midentity is always equipped with the latest software and firmware. With this new technology, accessing your bank account has never been easier all you have to do is to enter your user number and PIN. Furthermore, your electronic signature is stored safely on midentity and protected with a personal password. Your digital signature authorizes your payment transactions without any additional effort or data entry anytime and practically everywhere. Best of: Your accounts at Commerzbank as well as accounts at other banks can be managed jointly Mass transactions and scheduled payments can be conducted effortlessly Account information can also be retrieved from other banks Transactions can be managed worldwide in an easy way Direct access and authorization Distributed digital signature Flexible allocation of rights Trust is good - references are better

16 KOBIL midentity / midentity Fullsize midentity Token/ visual S / visual L midentity visual S/ visual L EMV TriCAP CAP Optimus comfort KOBIL SecOVID Token/ SecOPTIC The midentity is a USB-based device using a smart card to ensure highly secure and convenient communication while protecting data from thirdparty access, much in the manner of a safe. Therefore, the hardware characteristics of midentity provide global mobility and permanent security for your data and applications without any installation. Security combined with userfriendliness are the main concerns of KOBIL. All the user needs to do is to plug in midentity into the USB port of any given PC. That s it. Retail banking customers often see themselves confronted with the issue of having to choose between high user convenience or high security in online banking. midentity token, however, is a portable smart card terminal offering all the security and mobility a user may need at the lowest price you can imagine. Due to the replaceable smart card and update technology of midentity token, your investment is protected longtime. What you see is what you sign. This slogan describes the main advantage of KOBIL midentity visual. Internet attacks are increasing day by day and users often do not know if they signed their transactions as they typed in before. This problem is solved by our technology. Because you can read the transaction data on the display of midentity visual and can exactly sign this information. What you see is highsecurity. As a user, you will be on the safe side using this compact and attractive smart card terminal for your electronic business applications. What is more, the EMV-CAP reader makes PIN interception through viruses or trojans impossible because your data is not entered via the PC, but via the integrated device keypad. Thus, the EMV TriCAP contributes in an essential way to enhancing the security and confidentiality in the electronic world. The reader can be used online and offline for EMV-CAP applications and is Common Criteria certified. This innovative optical reader offers more security and convenience in online and home banking. It reads the flickering code on the PC screen through its optical sensors on the back. The transaction data is transferred simply by holding your reader in front of the PC screen. This way the procedure offers an effective protection against phishing and other methods of data theft. Self explaining symbols, a trilingual user menu, ideal ergonomics and easy to replace batteries an intelligent and practical solution, made by KOBIL. Forgetting your static password is a good way to start it is the start of higher security. What is even better is to have a billion passwords which you do not even know yourself. This is the concept of the SecOVID system. At the touch of a button, the KOBIL Sec- OVID token calculates a numerical one time password from more than one billion possible combinations, displays it on the screen and instantly forgets it as soon as the application is closed. For more information: KOBIL Systems GmbH Fon: Fax: info@kobil.com Web: KOBIL: full service solutions