Payment and PKI 

The internet has become an indispensable tool in the trade of goods and services allowing a global audience to view and buy from any location. The explosion in online retailing has also heightened the risk of fraud. Athena Payment and PKI solutions provide the next generation of tools for issuers to protect themselves and continue online retail growth by offering a combined PKI and payment solution that conforms to all relevant industry standards.

Combining the Payment and PKI standards

With Athena’s mutli-application secure silicon architectures it’s possible to deploy both payment and PKI identity functionality on the same credential offering issuers the benefits of both fully featured applications.

Athena PKI applications offer through PKCS#11 and MS-CAPI/CAPI2 /CNG interfaces access to:

  •  Smart card logon
  •  Digital Signature
  •  Secure E-Mail
  •  File Encryption
  •  Web Authentication and Encryption (SSL)
  •  IP Security
  •  Virtual Private Networks (VPN)

Athena Payment applications offer support of EMVCo, Visa and MasterCard specifications:

  •  Static or Dynamic Data Authentication
  •  On or off line authentication
  •  Processing restrictions
  •  Card holder verification
  •  Terminal risk management
  •  First card action analysis
  •  Second card action analysis
  •  Issuer script processing

PayProtect LASER EMV


Contact, contactless and dual interface Java Card smart card platform with Identity and EMV applications.


  • Identity: PKI (PKCS#11 and MS-CAPI), IAS ECC, ICAO and PIV applications available
  • Athena middleware (MS Windows, LINUX and Mac OSX) for PKI, IAS ECC and Windows Logon
  • Biometric Match-On-Card Application (Optional)
  • Payment: ATM, CPA, Visa (VSDC) or MasterCard (Lite,Select and Advanced)
  • Payment transaction support: SDA and DDA
  • Contact, contactless and dual interface options
  • Up to 80k EEPROM 
  • ISO 7816 
  • Java Card™ 2.2.2 
  • GlobalPlatform™ 2.1.1 / Visa GlobalPlatform 2.1.1
  • DES and 3DES 
  • RSA (up to 4096bit)
  • On-card key generation
  • DH (ECDH and DH) 
  • AES (up to 256 bit)
  • SHA-1, SHA-224 (EC_FP) , SHA-256, 384 and 512