Tuesday May 24, 2022

How to make cards

Payment cards were first made of sheet metal (Western Union) or hard paper (Mobil Oil, Diners Club). For practical reasons, the bank bag and gave the issuer a bad deal from the late 50’s on plastic cards. Their first manufacturer in the world in 1955 was the American company Kirk Plastics (now Oberthur USA).

The company, which produced military badges during World War II, produced 2 million cards for Union Oil in the 1950s. This reference brought him orders, especially the production of the first BankAmericard cards in 1958 and Master Charge cards in 1966.

In 1965, the First National Bank of Chicago and Continental Illinois Bank began issuing their own credit cards. These cards were made for them by the American company Perfect Plastic Printing. It thus produced some of the first BankAmericard and Master Charge cards and thus produced the first Bankmark magnetic stripe cards for CSI from St. Louis.

At the very meeting, the cards were made by a so-called two-color process. They used to do so, for example. printing machine imported from Germany. The bags were designed for printing paper and had to be modified for printing on plastic. In the mid-1970s, the card issuer’s claims to the quality of plastic cards increased.

With the geographical distribution of payment cards, it was necessary to ensure their production in many printers in several other countries. The printing technology had to be such that all manufacturers could guarantee that trademarks and security features would be exactly the same anywhere in the world and that a card made by another manufacturer would not be considered a forgery.

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The same problem of quality printing arose in the late 90’s e.g. The European Central Bank before the introduction of the common currency, the euro (January 1, 2002). Banknotes and coins are produced by about 20 security printers and mints in 10 countries of the European Union. Both VISA and MasterCard worked in the late 1970s, for both marketing and security reasons, on new payment card designs that could not be produced by traditional printing or lithography technologies.

Special technologies have been developed that ensure accurate printing both in terms of color (Paintone) and the accuracy of the location, this is especially true for trademarks and microtext, which must be exactly the same on all VISA or MasterCard cards. The introduction of the hologram as a security element in 1983 gave rise to the right of the process of making payment cards, as well as the mere use of a micro-chip in the 1990s.

Since the arrest of the 1980s, the production of bank cards has been subject to the same security conditions as the printing of banknotes or travel cards. MasterCard, VISA, American Express or Diners Club cards produce several plates of authorized securities printers, which have proven high print quality and the required level of internal and external security. For the payment card sector, it would be a disaster if, for example, they have lost certain payment cards that could be misused. Therefore, the required safety conditions are very difficult. Nap. Holograms are made in a single place in the world and where my records are recorded. Through safety transport, holograms in the form of ps are transported by cardmakers, who are then attached to the cards in the manufacturing process using a method called Hot Stamping. The produced cards are transported by armored cars with security and by air in a distance at the distance with the bank or their designated personalization center.


The first thing a bank has to do before making a card is decide how the payment card will be designed. Both the MasterCard and VISA banking associations issue internal regulations that set out the location of logos and security features on the card (hologram, signature strip, etc.) and determine the colors that can be used. Nap. for the Gold Card, the transfer of these cards must be ensured by a specific graphic design, which allows the pilgrimage only two days. novan shades of gold color.

The location of the logo allows both associations in two variants, the upper right or lower corner of the card. Otherwise, creativity has no limits. The graphic designer usually prepares several design variants according to the bank’s requirements. The bank approved the design proposal for the preparation of graphics in the format needed for production, and the bank will send it to the manufacturer. Together with the design, the manufacturers present their order and especially the element prescribed by the associations, which accompanies the production of the card and the completion of the order.

The printer checks whether the supplied draft answers in accordance with the regulations for the selected type of card (MasterCard, Maestro, etc.) and produces a sample of the card, which can be approved by the bank. Originally, the so-called Chromalin Proof samples were used and printed on a plastic foil in the most accurate color shades possible (see fig.). The colors on these samples may differ slightly from the actual cards, because the sample card could not be produced using the same technology as used for their production. Around 2001, some manufacturers introduced new technological procedures (digitization of printing, etc.), which can print a sample of the card directly on the production line (so-called swatch).

The bank and the security department of MasterCard or VISA comment on the sample card. The Bank verifies whether the execution of the design corresponds to its back, and approves any changes made by the printer (color rights according to the regulations for the given type of card, etc.). The safety department of the association verifies whether the design answers in accordance with the regulations. It is important, for example, that the contrast of the logo and hologram is ensured on the design of MasterCard cards. Therefore, either the blue color in the so-called Security Area must be used around the logo and hologram, or the security department must approve another color or design.

After approval of the card production by the bank and the association, ensure that the manufacturer prints the card, which takes place in several steps:

1. Print preparation
The manufacturer’s specialist fills in the production of the card and prepares the necessary documents for its individual phases.

2. Production of individual card layers
The front and back are printed on separate bottles, which are later joined together.

3. Umstn hologram
U karet VISA a MasterCard je technologi Hot Stamping pipevnn hologram.

4. Magnetick and signature strip
A magnetic stripe and a strip of usually security paper are embossed on the card, inserted to sign the signature pattern. For MasterCard and VISA cards, the word VOID appears first under the signatures, which appears on the surface when an attempt is made to erase the client’s signature.

5. Umstn mikroipu
If a microip is to be placed on the card, it must first be manufactured according to the back bank. There is a number of ip types, which are then so-called initiated during production. This is the significance of the ip program and its protection against misuse until the personalization of the card by the so-called transport key. In order to be able to attach the card to the card, cut out the outer part of the recess into which it is pasted.

6. Card lamination
The card is laminated on both sides with a transparent fleece (glossy or matte according to the bank’s choice). In the 1960s, this process took 45 minutes, today it only takes 68 minutes.

7. Stamped individual cards
The cards are thin-sized, usually in a pot of 54 or 72, from which the individual cards are cut out with a special machine.

The entire production process is inspected by the manufacturer in order to be able to remove any defects immediately and to prevent the production of scrap. The finished cards are transported in boxes on a palette to a safe, which takes the form of a warehouse with two armor, which the public knows from large banks. A few pieces of cards are then approved by the manufacturer to the security department. The conformity of the produced cards with the approved design and the quality of processing (printing, colors, location of the hologram, etc.) are checked. If it is in the horseshoe, the cards can always be delivered to the bank by security transport.

At the end of the 1990s, some banks, for marketing reasons, offered clients the opportunity to choose from more card designs (and several hundred) or even to put their own image (drawings, photographs, etc.) on the card. For these cards, the technology of additional printing of the selected image is used during the personalization of the card. The card is made in the security printer with many security and other prescribed elements, but the specially reserved area of ​​the image is then printed in. The required image is then printed. The front of the card is then laminated and is personalized (print and magnetic stamps).

Excerpts from the book
Pavla Juka: Encyclopedia of Payment Cards

1. dl: How to pay securely on the Internet?

Step 2: How did the river come about?

Step 3: How did the pensions come about?

4. dl: How banking originated

5th dl: When did the papyr pension arise?

6. dl: Pensions and echoes: when was the crown created?

7. dl: How are banknotes printed?

8. dl: Protection of banknotes against counterfeiting

9. dl: How and where the payment cards were created

10. dl: How payment cards were created-II

Debt 11: Who issued the first universal payment card

Debt 12: When did banks start issuing cards

13th dl: How MasterCard cards were created

14. dl: How the VISA cards were created

DL 15: The role of payment cards in Europe

16. dl: Payment cards in Europe and their arrests in R

DL 17: What caused the boom in payment cards

18. dl: Payment cards: magnetic stripe


ryvek is from the bookEncyclopedia of payment cardsvydan nakladatelstvm City Publishing, who published publications in the FINANCE edition such as:
Make a investment, 2nd born ed
Investovn pro zatenky
Financial Mathematics Pro, 5.vydn

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