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Smart CardsTechnologyFuture Life-byHussainaiah Karumanchi

Right now, in most of the countries, inside the peoples wallet, they probably have a couple of credit cards, an identification card, automatic machine teller cards (ATM card), and maybe a few other plastic cards. Without realizing it, these plastic cards have become a very important part of their life .Although smart card technology improves security and convenient but it is not used in a wide range in Middle East countries .User acceptance is vital for further development of any fresh technology and smart card technology as well. One of the factors that can effect on the acceptance of smart card technology is users.The goal of this study is to present a general overview of smart card technology and identify the smart cards benefits, features and characteristics and moreover, the level of users knowledge and awareness about smart card technology will be evaluated. In order to achieve this goal ,a survey was conducted among the international students of UniversityTechnology Malaysia to measure their awareness of smart card technology . ABSTRACT:

Aim :

To just give you a brief idea about the smart card technology being one of the best steps towards the advancement of science and technology , making our life faster and obviously easier.

Aim of my ppt is to just give you a brief idea about the smart card technology being one of the best steps towards the advancement of science and technology,making our life faster and obviously easier.4

History!70s-> Smart Card First Patent in Germany and later in France and Japan.80s -> Mass usage in Pay Phones and Debit Cards.90s-> Smart Card based Mobiles Chips & Sim Cards.2000s->Payment and Ticketing Applications Credit cards, Mass transit (Smartrip) Healthcare and Identification Insurance information, Drivers license

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Plastic Cards:Visual identity applicationPlain plastic card is enoughMagnetic strip (e.g. credit cards)Visual data also available in machine readable formNo security of dataElectronic memory cardsMachine readable dataSome security (vendor specific)

What is a Smart Card?

A Smart card is a plastic card about the size of a credit card, with an embedded microchip that can be loaded with data, used for telephone calling, cash payments , and other applications, and then periodically refreshed for additional use.

Dimensions of smart card.

85.6mm x 53.98mm x 0.76mm(defined by ISO 7816)

PIN CONFIGURATION :

figure: Construction of Smart Card

CARD ELEMENTS :

Magnetic StripeChip Embossing (Card Number / Name / Validity,LogoHologram

Examples of Smart Cards:

Why use smart cards?Can store currently up to 7000 times more data than a magnetic stripe card.Information that is stored on the card can be updated.Magnetic stripe cards are vulnerable to many types of fraud.Lost/Stolen CardsSkimmingCarding/ PhishingGreatly enhances security by communicating with card readers using PKI algorithms.A single card can be used for multiple applications (cash, identification, building access, etc.) Smart cards provide a 3-fold approach to authentic identification:PinSmartcardBiometricsSecurity: Data and codes on the card are encrypted by the chip maker. The Smart Cards circuit chip almost impossible to forge.

Whats in a Card?

VccRSTCLKRFUVppI/OGNDRFU

Varun Arora | varun@varunarora.in | www.varunarora.in

Electrical signals description:

: Clocking or timing signal (optional use by the card).GND: Ground (reference voltage).VPP: Programming voltage input (deprecated / optional use by the card).I/O: Input or Output for serial data to the integrated circuit inside the card.AUX1(C4): Auxilliary contact; USB devices: D+AUX2(C8) : Auxilliary contact; USB devices: D-VCC: Power supply input : Either used itself (reset signal supplied from the interface device) or in combination with an internal reset control circuit . Fig : A smart card pin outRSTCLK

Typical Configurations:256 bytes to 4KB RAM.8KB to 32KB ROM.1KB to 32KB EEPROM.8-bit to 16-bit CPU. 8051 based designs are common.

Smart Card Readers:

Computer based readersConnect through USB or COM (Serial) portsDedicated terminalsUsually with a small screen, keypad, printer, often also have biometric devices such as thumb print scanner.

Smart Cards devices:VCCResetClockGNDVPPI/O

Reserved

Varun Arora | varun@varunarora.in | www.varunarora.in

Smart Cards in everyday life

Ticketing

Payment

Loyalty

Transport

Smart Poster

Health cardCommunication

Terminal/PC Card InteractionThe terminal/PC sends commands to the card (through the serial line).The card executes the command and sends back the reply.The terminal/PC cannot directly access memory of the card so data in the card is protected from unauthorized access. This is what makes the card smart.

Two Types of ChipsMemory chip Acts as a small floppy disk with optional securityAre inexpensiveOffer little security features Microprocessor Can add, delete, and manipulate its memory. Acts as a miniature computer that includes an operating system, hard disk, and input/output ports. Provides more security and memory and can even download applications.

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Contact Smart CardsRequires insertion into a smart card reader with a direct connection This physical contact allows for transmission of commands, data, and card status to take place

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Contactless smart card:-

Contactless Smart Cards Require only close proximity to a readerBoth the reader and card have antennas through which the two communicate Ideal for applications that require very fast card interfaces

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Categories of Smart Cards:

Based on the type of IC chip embedded on the Smart Card. They are categorized into three types :- IC Micro Processor Cards IC Memory Cards Optical Memory Cards

So many Smart Cards with us at all times..In our GSM phone (the SIM card)Inside our WalletsCredit/Debit cardsHealthCare cardsLoyalty cardsOur corporate badgeOur Passport Our e-Banking OTP

and the list keeps growing

Security of Smart Cards:Public Key Infrastructure (PKI) algorithms such as DES, 3DES, RSA and ECC. Key pair generation.Variable timing/clock fluctuation.0.6 micron components.Data stored on the card is encrypted.Pin Blocking.

Future Aspects:

Soon it will be possible to access the data in Smart cards by the use of Biometrics. Smart card Readers can be built into future computers or peripheralswhich will enable the users to pay for goods purchased on the internet. In the near future, the multifunctional smart card will replace thetraditional magnetic swipe card. Smart Card is not only a data store, but also a programmable, portable,tamper resistant memory storage.

The Smart card success story

2040410205

2600500225

3000580295

05001000150020002500300035004000

Identity & others

Banking - Retail

Telecom (SIM)

+15%+27%+22%+16%+31%+10%200720082009Microprocessor Smart Cards Shipments ( Millions of units )

Advantages: chip is tamper-resistant- information stored on the card can be PIN code and/or read-write protected- capable of performing encryption- each smart card has its own, unique serial number capable of processing, not just storing information- Smart cards can communicate with computing devices through a smart card reader- information and applications on a card can be updated without having to issue new cards A smart card carries more information than can be accommodated on a magnetic stripe card. It can make a decision, as it has relatively powerful processing capabilities that allow it to do more than a magnetic stripe card (e.g., data encryption).

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Disadvantages: NOT tamper proof Can be lost/stolen Lack of user mobility only possible if user has smart card reader every he goes Has to use the same reader technology Can be expensive Working from PC software based token will be better No benefits to using a token on multiple PCs to using a smart card Still working on bugs

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Conclusion Smart Cards will evolve into a broader family of Devices More new shapes for new applications Our virtual digital personal attributes Embedded software and ultra-embedded nanotechnologies

The only mistake to avoid for our Industry is to entertain an endless debate about fears. We will build the best solutions and the best value for people to enjoy many new services Political ownership and communication will be key to success

Education more Education Preparing people to use those Smart Secure Devices is as important as teaching them how to read and write

Smart Cards will evolve into a broader family of Devices More new shapes for new applications Embedded software and ultra-embedded nanotechnologies The only mistake to avoid for our Industry is to entertain an endless debate about fears. We will build the best solutions and the best value for people to enjoy many new services Education more Education Preparing people to use those Smart Secure Devices is as important as teaching them how to read and write Conclusion: