ATEM Service Centre ATEM Service Centre ConferenceConference

Smart Cards?Smart Cards?

Presented by

Glenn Martin - Business Development Manager

Smart Cards?Smart Cards?

the presentation –the presentation –

Card historyCard history

What is a smart card?What is a smart card?

How do smart cards work?How do smart cards work?

What can a smart card do now?What can a smart card do now?

Smart card applications for the futureSmart card applications for the future

CardboardCardboardIdentity card (Diners 1950)Identity card (Diners 1950)

MetalMetal

Imprint card for commercial use (1946)Imprint card for commercial use (1946)

PlasticPlastic

Retail imprint cardRetail imprint card

PlasticPlastic

Magnetic stripeMagnetic stripe(1961 London Transport, 1970 International Standards)(1961 London Transport, 1970 International Standards)

Proximity CardsProximity Cards

Access CardAccess Card

Smart CardsSmart CardsIC Multi-FunctionIC Multi-Function

Card historyCard history

Dumb cards Dumb cards

Smart cards Smart cards

Card historyCard history

Card historyCard history

Smart Card BeginningsSmart Card Beginnings

Smart cards were invented and patented in the Smart cards were invented and patented in the 1970s. .

There are disputes regarding the actual "inventor"; claimants There are disputes regarding the actual "inventor"; claimants include Jürgen Dethloff of include Jürgen Dethloff of Germany, Arimura of , Arimura of Japan, and , and Roland Moreno of Roland Moreno of France. .

The first mass use of the cards was for payment in French The first mass use of the cards was for payment in French pay phones, starting in , starting in 1983 ( (Télécarte).).

Smart Card AcceptanceSmart Card Acceptance

The major boom in smart card use The major boom in smart card use came in the 1990s, with the came in the 1990s, with the introduction of the smart-card-based introduction of the smart-card-based SIM used in GSM mobile phone used in GSM mobile phone equipment in Europe.equipment in Europe.

SIMSIM A A ssubscriber ubscriber iidentity dentity mmoduleodule (SIM) is a (SIM) is a smart card inside of a of a GSM cellular phone that encrypts voice and data transmissions and stores data about the specific user so transmissions and stores data about the specific user so that the user can be that the user can be identified and authenticated to the network supplying the phone service. The SIM also stores data network supplying the phone service. The SIM also stores data such as personal phone settings specific to the user and such as personal phone settings specific to the user and phone numbers. A SIM can be moved from one phone numbers. A SIM can be moved from one phone to another and/or different SIM cards can be phone to another and/or different SIM cards can be inserted into any GSM phone.inserted into any GSM phone.

Acceptance lead to greater Acceptance lead to greater developmentdevelopment

The international payment brands MasterCard, Visa, The international payment brands MasterCard, Visa, and Europay agreed in 1993 to work together to and Europay agreed in 1993 to work together to develop the specifications for the use of smart cards in develop the specifications for the use of smart cards in payment cards used as either a debit or a credit card. payment cards used as either a debit or a credit card.

The various standards emerging are local in focus and The various standards emerging are local in focus and are not compatible, though the MIFAREare not compatible, though the MIFARE®® card from card from Phillips has a considerable market share in the US and Phillips has a considerable market share in the US and Europe and is seen as the future of economic smart Europe and is seen as the future of economic smart card use.card use.

What is a Smart Card?What is a Smart Card?

A plastic credit card sized card that contains one or more A plastic credit card sized card that contains one or more semiconductor chips.semiconductor chips.

Memory Card: smart card that stores and retrieves serial Memory Card: smart card that stores and retrieves serial "streams" of data that are sent to or received from the "streams" of data that are sent to or received from the semiconductor chip.semiconductor chip.

Protected Memory Card: smart card that requires a secret Protected Memory Card: smart card that requires a secret code or PIN number to be entered before the data can be sent code or PIN number to be entered before the data can be sent to or received from the semiconductor chip.to or received from the semiconductor chip.

Microprocessor Card: contains a microprocessor chip with a Microprocessor Card: contains a microprocessor chip with a microcode that defines a command structure, a data file microcode that defines a command structure, a data file structure and a security structure in the card.structure and a security structure in the card.

How does a Smart Card work?How does a Smart Card work?

Using an appropriate reader or reader/writer information is Using an appropriate reader or reader/writer information is read and used for a specific purpose. read and used for a specific purpose.

Contact smart cards require probes to contact the chip to read Contact smart cards require probes to contact the chip to read or write data while contactless cards (Mifare etc) exchange or write data while contactless cards (Mifare etc) exchange the data using RFID (wireless) technology.the data using RFID (wireless) technology.

Smart Card advantagesSmart Card advantages

What are the advantages of smart cards over proximity cards?What are the advantages of smart cards over proximity cards?

Smart cards provide a higher level of security using encryption Smart cards provide a higher level of security using encryption keys keys

They support multiple applications such as vending, fare They support multiple applications such as vending, fare collection, parking on a single card collection, parking on a single card

Smart cards can have information written to them in real time Smart cards can have information written to them in real time Smart Cards have larger storage memory capacity to store Smart Cards have larger storage memory capacity to store

biometric templatesbiometric templates

Smart cards can store thousands of times more information Smart cards can store thousands of times more information than traditional, magnetic stripe cards. This enables smart than traditional, magnetic stripe cards. This enables smart cards to perform multiple functions and to make use of high cards to perform multiple functions and to make use of high security mechanisms such as advanced encryption and security mechanisms such as advanced encryption and biometrics.biometrics.

What is MIFARE®?What is MIFARE®?

MIFARE is a contactless smart card technology owned by MIFARE is a contactless smart card technology owned by Philips. Philips.

The MIFARE technology is based on ISO 14443A operating at a The MIFARE technology is based on ISO 14443A operating at a frequency of 13.56 MHz.frequency of 13.56 MHz.

What is the advantage of MIFARE What is the advantage of MIFARE over other smart card over other smart card technology?technology?

MIFARE is a proven, reliable, and robust technology for MIFARE is a proven, reliable, and robust technology for contactless smart card with over 900 million cards in the contactless smart card with over 900 million cards in the field. field.

It is an open architecture platform that guarantees It is an open architecture platform that guarantees compatibility with current and future products. compatibility with current and future products.

The MIFARE technology has an established customer base and The MIFARE technology has an established customer base and the broadest range of suppliers providing multiple sources the broadest range of suppliers providing multiple sources for cards and readers.for cards and readers.

www.mifare.netwww.mifare.net

What is the memory size of the What is the memory size of the MIFARE card?MIFARE card?

The MIFARE Standard card has 1K byte (8,192 bits) memory The MIFARE Standard card has 1K byte (8,192 bits) memory capacity.capacity.

The MIFARE 4K Classic card has 4K byte (32,000 bits) memory The MIFARE 4K Classic card has 4K byte (32,000 bits) memory capacity.capacity.

Mifare cards are also available in 1K Ultralight and other Mifare cards are also available in 1K Ultralight and other variations for specific applications. (These are not generally variations for specific applications. (These are not generally cost effective unless very high volumes are required).cost effective unless very high volumes are required).

What is MAD?What is MAD?

MAD is an acronym for MIFARE Application Directory. MAD is an acronym for MIFARE Application Directory.

To maintain the speed and convenience of MIFARE tap-and-go To maintain the speed and convenience of MIFARE tap-and-go operation, the MIFARE Application Directory (MAD) operation, the MIFARE Application Directory (MAD) standard defines common data structures for card standard defines common data structures for card application directory entries, allowing terminals to identify application directory entries, allowing terminals to identify the right card –and the right memory sector within the card– the right card –and the right memory sector within the card– without the need to perform a comprehensive search without the need to perform a comprehensive search through all of the cards’ memories until the appropriate through all of the cards’ memories until the appropriate application is found.application is found.

Purse applications in dynamic operation require card capture.Purse applications in dynamic operation require card capture.

What is a smart card serial What is a smart card serial number? number?

Is it encrypted?Is it encrypted?

Each smart card contains an integrated chip with a unique Each smart card contains an integrated chip with a unique permanent identification number (UID) burned-in during the permanent identification number (UID) burned-in during the manufacturing process. manufacturing process.

This UID is often referred to as the Card Serial Number (CSN). This UID is often referred to as the Card Serial Number (CSN). The card serial number is not encrypted and any reader that is The card serial number is not encrypted and any reader that is

ISO compliant can read the card serial number.ISO compliant can read the card serial number.

The Card Serial Number (CSN)The Card Serial Number (CSN) is 16 digit.is 16 digit.

Eg 1234567890123456Eg 1234567890123456

Is the MIFARE data encrypted?Is the MIFARE data encrypted?

In Block 3 of each sector, there is a set of 48-bit encryption In Block 3 of each sector, there is a set of 48-bit encryption keys: keys:

Key A (READ) and Key B (WRITE). Key A (READ) and Key B (WRITE).

These keys lock the sector data. When presenting the These keys lock the sector data. When presenting the matching READ key, the reader unlocks the sector data and matching READ key, the reader unlocks the sector data and outputs the physical access credential to the panel.outputs the physical access credential to the panel.

The chip of a Mifare card usually implements The chip of a Mifare card usually implements cryptographic algorithm.

There is a self destruct capacity where there is an attempt to There is a self destruct capacity where there is an attempt to raid the data.raid the data.

IT MUST HAVE A IT MUST HAVE A SYSTEM TO WORK SYSTEM TO WORK

WITH!WITH!

SMART CARDS ARE ONLY A SMART CARDS ARE ONLY A KEY TO OTHER SYSTEMS KEY TO OTHER SYSTEMS

AS PART OF A TOTAL AS PART OF A TOTAL SOLUTIONSOLUTION

==

What can a smart card do now?What can a smart card do now?Identification and VerificationIdentification and Verification

Stored Personal Information Stored Personal Information

Access Control & Time and AttendanceAccess Control & Time and Attendance

Transport and ParkingTransport and Parking

RetailRetail

eCommerceeCommerce

Electronic PurseElectronic Purse

Loyalty ProgrammesLoyalty Programmes

Salary SacrificeSalary Sacrifice

How many smart cards now?How many smart cards now?

According to internationally collated statistics*, as of According to internationally collated statistics*, as of the end of 2005, 2.5 billion cards had been issued, the end of 2005, 2.5 billion cards had been issued, including one billion telephone IC** cards, 700 including one billion telephone IC** cards, 700 million mobile phone IC cards, 114 million second-million mobile phone IC cards, 114 million second-generation ID cards, 70 million social security generation ID cards, 70 million social security cards, 80 million public transportation IC cards, cards, 80 million public transportation IC cards, and 500 million other types of IC cards.and 500 million other types of IC cards.

*International IC Card Group*International IC Card Group

****Integrated CircuitIntegrated Circuit

Smart cards now and the Smart cards now and the futurefuture

Spot DiscountsSpot Discounts

Exam EntryExam Entry

Election and Voting RecordingElection and Voting Recording

Student RecordsStudent Records

QualificationsQualifications

Library BorrowingLibrary Borrowing

Health InformationHealth Information

Salary SacrificeSalary Sacrifice

Questions?Questions?

www.unicard.com.auwww.unicard.com.au

Thank-youThank-you