Smart Card & COS


Contents Platform

Security Service & Solution

IoT Platform

KONA Payment Platform

All card services are available on the KONA payment platform.

The KONA payment platform is an integrated marketing platform that combines payment systems with marketing
services for customer relations. Each service provider can design a card service to best suit its purposes.
  • 01 A card embracing corporate identity A company seeking to increase customer
    loyalty by creating membership cards
    and gift cards with its own brand
  • 02 A selection of desired card products A company seeking to combine multiple
    benefits into its card to maximize
    marketing efficiency
  • 03 A benefits card with
    a wide variety of uses
    A company seeking to create benefit
    cards that can be used both offline and
    online and in conjunction with a
    corporate benefits mall
  • 04 Offers services tailored to
    each company
    A company seeking to enjoy various benefits,
    including systematic budget management,
    without paying annual fees,
  • 05 Local currency to revitalize
    the local economy
    A local government seeking to help small
    businesses and boost the local economy
    through the introduction of a local currency
    that circulates only within its boundary

About the KONA Payment Platform

Offers IC cards with
various designs and materials

Since its inception in 1998, KONA I has attained
the international payment standard (EMV) based on
its IC chip operating system (COS), developed in-house,
supplying IC chips and smart cards to more than 90 countries
throughout the world. In addition to having card production
plants in Gimpo and Jincheon, the company also operates its
own design group, allowing the production and supply of cards
with the designs and materials desired by customers.

A flexible card service

The KONA payment platform consists of a card service
application for actual card users and a back-end system
that carries out card issuance, approval, and settlements.
In addition to its IC payments, QR, NFC, barcode, and mobile
payment features, the platform also accommodates trans-
ferring money between accounts, credit card services,
and point top-ups. Furthermore, its ADMIN system provides
users with a convenient way to manage the status of
their card use.

Card products that
can be freely constructed

The places in which the KONA payment platform can
be used can be selected to support nationwide
coverage or to support specific regions and brands only
and a wide selection of benefits are available such as
immediate discounts, cashback, coupons, etc. In addition, each service
provider can freely select the type and limit of benefits
based on card use, designing a customized card product.
The cherry on top of all of this is that KONA Card itself offers basic and special benefits
and customer loyalty benefits along with regional benefits that enhance
the competitiveness of its credit card products.

Providing customer statistics

Meaningful statistical data is provided to identify the
consumption patterns of customers based on their payment
data. Payment information regarding each customer’s gender,
age, places of
use, and card product can be leveraged to boost
the marketing efficiency of each service provider.


Corporate partners

  • All One Bank KONA NH Bank
  • H-ear Membership Hyundai Motor
  • Acuon Membership Acuon Capital
  • SKT ‘0’ SK Telecom

Public institution partners

Incheon e-EUM Incheon Metropolitan
SUNBEE Tour Card Gyeongsangbuk-do
Culture and
Tourism Organization
Namdo Pass Jeollanam-do Office,
Gwangju Metropolitan
Yangsan Love Card Yangsan
Gyeonggi Gyeonggi-do
Ebagu Pay Dong-gu, Busan
Daedeok e-roeum Daedeok-gu, Daejeon

KONA Platform Standards

The KONA platform offers a high level of global versatility and security as it accommodates
a vast range of international standards from major international institutions.

  • EMV Contactless IC Card Mobile Tokenization
  • VISA Contactless Cloud Based
    Security Guidelines for
    Digital Solutions
  • MASTER card M/Chip Cloud-based Payments
    Authorization Mobile
  • Others ISO8583 Global Platform