SMART CARDSSMART CARDS

ContentsContents Introduction.Introduction. What is a Smart Card?What is a Smart Card? History.History. Smart Card Resources.Smart Card Resources. MicroAnatomy of a Smart Card.MicroAnatomy of a Smart Card. Smart Card pieces and parts .Smart Card pieces and parts . Varieties of Smart Cards.Varieties of Smart Cards. Major Benefits that Smart Cards offer.Major Benefits that Smart Cards offer. Smart Card Services.Smart Card Services. Smart Card Application.Smart Card Application. Future.Future. Queries.Queries.

INTRODUCTIONINTRODUCTIONA A Smart CardSmart Card is like an “electronic wallet”. is like an “electronic wallet”.

It provides not only memory capacity, but It provides not only memory capacity, but computational capability as well and thus computational capability as well and thus the chip is capable of processing data.the chip is capable of processing data.

Smart CardsSmart Cards can store several hundred can store several hundred times more data than a conventional cards times more data than a conventional cards with a with a magnetic stripemagnetic stripe and can be and can be programmed to reveal only the relevant programmed to reveal only the relevant information.information.

What is a Smart Cards ?What is a Smart Cards ?

A smart card is a device that includes A smart card is a device that includes an embedded integrated circuit that an embedded integrated circuit that can be either a secure microcontroller can be either a secure microcontroller or equivalent intelligence with internal or equivalent intelligence with internal memory or a memory chip alone. memory or a memory chip alone.

Two typesTwo types -Memory-only chips-Memory-only chips

-Microprocessor chips -Microprocessor chips

What is a Smart Cards ?What is a Smart Cards ?

Can hold up to 32,000 bytes.Can hold up to 32,000 bytes.

With an embedded microcontroller, With an embedded microcontroller, smart cards have the unique ability to smart cards have the unique ability to store large amounts of data, carry out store large amounts of data, carry out their own on-card functions (e.g., their own on-card functions (e.g., encryption and mutual authentication) encryption and mutual authentication) and interact intelligently with a smart and interact intelligently with a smart card reader.card reader.

HistoryHistory

The technology has its historical The technology has its historical origin in the seventies when inventors origin in the seventies when inventors in Germany , Japan , and France filed in Germany , Japan , and France filed the original patents.the original patents.

While inventors in the U.S , Japan and While inventors in the U.S , Japan and Austria, were issued patents, it was Austria, were issued patents, it was French who put big money to push French who put big money to push the techhnology.the techhnology.

HistoryHistory

The industry has been growing at The industry has been growing at tremendous rate is shipping more tremendous rate is shipping more than one billion (1,000,000,000) cards than one billion (1,000,000,000) cards per year (since 1998). per year (since 1998).

The current world population of The current world population of Smart Cards of some 1.7 billion is set Smart Cards of some 1.7 billion is set to increase to 4 billion or more cards to increase to 4 billion or more cards within the next 3-4 years.within the next 3-4 years.

Smart Card ResourcesSmart Card Resources

Contact

Contactless

MicroAnatomy of a MicroAnatomy of a Smart CardSmart Card

Smart Card Pieces and partsSmart Card Pieces and parts

ProcessorProcessorMath Co-processor Math Co-processor

(optional)(optional)MemoryMemory

ROMROMEEPROMEEPROMRAMRAM

Varieties of Smart CardsVarieties of Smart Cards

Smart Cards come in two Smart Cards come in two varieties:varieties:

Contact Smart Card .Contact Smart Card .Contactless Smart Card.Contactless Smart Card.

Contact Smart CardContact Smart Card

The contact Smart Card has a setThe contact Smart Card has a set of gold-plated electrical contactsof gold-plated electrical contacts embedded in the surface of the embedded in the surface of the plastic on one side.plastic on one side.

This card has a contact plate on the This card has a contact plate on the face ,which is a small gold chip face ,which is a small gold chip about ½ in diameter on the about ½ in diameter on the

back like a “credit card”back like a “credit card”

Contactless Smart CardContactless Smart CardA contactless Smart Card looks just like a A contactless Smart Card looks just like a

plastic “credit card” with a computer chip plastic “credit card” with a computer chip and an and an

antenna coil embedded within the card.antenna coil embedded within the card.

The antenna is typically 3-5 turns of very The antenna is typically 3-5 turns of very thin wire ,connected to the contactless thin wire ,connected to the contactless chip.chip. Component

Antenna Plastic Contacts

Such contactless Smart Cards are Such contactless Smart Cards are used when transactions must be used when transactions must be processed quickly, as in mass-transit processed quickly, as in mass-transit toll collection or wherever the toll collection or wherever the cardholder is in motion at the cardholder is in motion at the moment of the transaction.moment of the transaction.

Major Benefits that Smart Major Benefits that Smart Cards offerCards offer

Security :Security : a) chip is tamper-resistanta) chip is tamper-resistant

b) information stored on the card can be PIN codedb) information stored on the card can be PIN coded

c) capable of performing encryption and/or c) capable of performing encryption and/or read/write read/write

d) each smart card has its own unique serial d) each smart card has its own unique serial numbernumber

Intelligence :Intelligence : a) capable of processing , not just storing a) capable of processing , not just storing informationinformation

Major Benefits that Smart Major Benefits that Smart Cards offerCards offer

b) Smart cards can communicate with b) Smart cards can communicate with

devices through smart card readerdevices through smart card reader

Convenience :Convenience : a) chip is tamper-resistanta) chip is tamper-resistant

b) Smart Cards provide a portable, b) Smart Cards provide a portable, easy to useeasy to use

form factor that many are familiar form factor that many are familiar with usingwith using

Smart Card ServicesSmart Card Services

Data Storage & retrieval.Data Storage & retrieval.Authentication.Authentication.Cryptography.Cryptography.Signature .Signature .Multiple application.Multiple application.

Smart Card ApplicationsSmart Card Applications

Smart Cards are being deployed in Smart Cards are being deployed in public and private marketplaces.public and private marketplaces.

There are over 300,000,000 GSM There are over 300,000,000 GSM mobile telephones with Smart Cards mobile telephones with Smart Cards which contain the mobile phone which contain the mobile phone security and subscription security and subscription information.information.

Streamlining healthcare Services.Streamlining healthcare Services.Automating transportation Services.Automating transportation Services.

Future Future Embedding similar circuits in everyday Embedding similar circuits in everyday

objects, such as key rings, watches, glasses, objects, such as key rings, watches, glasses, rings or earrings could perform the same rings or earrings could perform the same electronic function.electronic function.

Soon it will be possible to authorize the use of Soon it will be possible to authorize the use of electronic information in Smart Cards by electronic information in Smart Cards by using a spoken word or the touch of a hand.using a spoken word or the touch of a hand.

In the future, the traditional magnetic strip In the future, the traditional magnetic strip

card will be replaced and integrated together card will be replaced and integrated together into a single card by using the multi-into a single card by using the multi-application Smart Card, which is known as an application Smart Card, which is known as an electronic purse electronic purse or or wallet wallet in the Smart Card in the Smart Card industry.industry.

With global financial institutions pushing for With global financial institutions pushing for migrating their credit card and debit card migrating their credit card and debit card transactions towards smart card-based transactions towards smart card-based transactions, the future of smart cards does transactions, the future of smart cards does seem bright.seem bright.

"From year 2005 onwards, as per EMV II "From year 2005 onwards, as per EMV II compliance (EuroPay, MasterCard, Visa), all compliance (EuroPay, MasterCard, Visa), all new credit/debit cards will be issued only on new credit/debit cards will be issued only on chip (instead of magnetic strip) which will drive chip (instead of magnetic strip) which will drive huge growth in this segment. Security concerns huge growth in this segment. Security concerns in financial transactions will also force banks to in financial transactions will also force banks to opt for smart cards sooner or later." opt for smart cards sooner or later."

Also, the emergence of contactless smart Also, the emergence of contactless smart cards could be a key driver for smart card cards could be a key driver for smart card usage—the next time you drive through usage—the next time you drive through the toll gate of a bridge, a smart card the toll gate of a bridge, a smart card reader at the toll bridge could just debit reader at the toll bridge could just debit the toll from the smart card fixed on your the toll from the smart card fixed on your car as you drive past the bridge.car as you drive past the bridge.

Thank YouThank You

This is just the beginning; This is just the beginning; soon it will influence the way soon it will influence the way we shop, see the doctor, use we shop, see the doctor, use the telephone and even enjoy the telephone and even enjoy

leisure!!!leisure!!!

Any Query?????Any Query?????