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Dual-interface cards implement contactless and contact interfaces on a single card with some shared storage and processing.
This allows the smart card to be used as a security token for authentication and data encryption such as Bitlocker.
Different smartcards implement one or more reader-side protocols. Smartcard operating systems may provide application programming interfaces APIs so that developers can write programs "applications" to run on the smartcard.
Some such APIs, such as Java Card , allow programs to be uploaded to the card without replacing the card's entire operating system.
Smart cards serve as credit or ATM cards , fuel cards , mobile phone SIMs , authorization cards for pay television, household utility pre-payment cards, high-security identification and access badges , and public transport and public phone payment cards.
Smart cards may also be used as electronic wallets. The smart card chip can be "loaded" with funds to pay parking meters, vending machines or merchants.
Cryptographic protocols protect the exchange of money between the smart card and the machine. No connection to a bank is needed.
The holder of the card may use it even if not the owner. Examples are Proton , Geldkarte , Chipknip and Moneo. The German Geldkarte is also used to validate customer age at vending machines for cigarettes.
Roll-outs started in in the U. Asia and Europe followed in Non-EMV cards work like magnetic stripe cards. This is common in the U.
The cards do not hold or maintain the account balance. All payment passes without a PIN, usually in off-line mode. The security of such a transaction is no greater than with a magnetic stripe card transaction.
EMV cards can have either contact or contactless interfaces. They work as if they were a normal EMV card with a contact interface. Via the contactless interface they work somewhat differently, in that the card commands enabled improved features such as lower power and shorter transaction times.
The subscriber identity modules used in mobile-phone systems are reduced-size smart cards, using otherwise identical technologies. Smart-cards can authenticate identity.
Sometimes they employ a public key infrastructure PKI. The card stores an encrypted digital certificate issued from the PKI provider along with other relevant information.
Examples include the U. If they include biometric identification data, cards can provide superior two- or three-factor authentication.
Smart cards are not always privacy-enhancing, because the subject may carry incriminating information on the card.
Contactless smart cards that can be read from within a wallet or even a garment simplify authentication; however, criminals may access data from these cards.
Cryptographic smart cards are often used for single sign-on. Today's cryptographic smart cards generate key pairs on board, to avoid the risk from having more than one copy of the key since by design there usually isn't a way to extract private keys from a smart card.
Such smart cards are mainly used for digital signatures and secure identification. The most common way to access cryptographic smart card functions on a computer is to use a vendor-provided PKCS 11 library.
Turkey implemented the first smart card driver's license system in Turkey had a high level of road accidents and decided to develop and use digital tachograph devices on heavy vehicles, instead of the existing mechanical ones, to reduce speed violations.
Since , the professional driver's licenses in Turkey have been issued as smart cards. A professional driver is required to insert his driver's license into a digital tachograph before starting to drive.
The tachograph unit records speed violations for each driver and gives a printed report. The driving hours for each driver are also being monitored and reported.
In this study, chapter seven describes Turkey's experience. Argentina's Mendoza province began using smart card driver's licenses in Mendoza also had a high level of road accidents, driving offenses, and a poor record of recovering fines.
They also store personal information, license type and number, and a photograph. Emergency medical information such as blood type, allergies, and biometrics fingerprints can be stored on the chip if the card holder wishes.
In Gujarat was the first Indian state to introduce a smart card license system. In , the Estonian government started to issue smart cards named ID Kaart as primary identification for citizens to replace the usual passport in domestic and EU use.
As of about 1 million smart cards have been issued total population is about 1. By the start of , the entire population of Belgium was issued eID cards that are used for identification.
These cards contain two certificates: one for authentication and one for signature. This signature is legally enforceable.
More and more services in Belgium use eID for authorization. Spain started issuing national ID cards DNI in the form of smart cards in and gradually replaced all the older ones with smart cards.
The idea was that many or most bureaucratic acts could be done online but it was a failure because the Administration did not adapt and still mostly requires paper documents and personal presence.
On August 14, , the ID cards in Pakistan were replaced. The Smart Card is a third generation chip-based identity document that is produced according to international standards and requirements.
The card has over 36 physical security features and has the latest [ clarification needed ] encryption codes. Smart cards may identify emergency responders and their skills.
Cards like these allow first responders to bypass organizational paperwork and focus more time on the emergency resolution. In , The Smart Card Alliance expressed the needs: "to enhance security, increase government efficiency, reduce identity fraud, and protect personal privacy by establishing a mandatory, Government-wide standard for secure and reliable forms of identification".
WidePoint Corporation , a smart card provider to FEMA , produces cards that contain additional personal information, such as medical records and skill sets.
Smart cards are also used to identify user accounts on arcade machines. Smart cards, used as transit passes , and integrated ticketing are used by many public transit operators.
Card users may also make small purchases using the cards. Some operators offer points for usage, exchanged at retailers or for other benefits.
However, these present a privacy risk because they allow the mass transit operator and the government to track an individual's movement.
In Finland, for example, the Data Protection Ombudsman prohibited the transport operator Helsinki Metropolitan Area Council YTV from collecting such information, despite YTV's argument that the card owner has the right to a list of trips paid with the card.
Earlier, such information was used in the investigation of the Myyrmanni bombing. The UK's Department for Transport mandated smart cards to administer travel entitlements for elderly and disabled residents.
These schemes let residents use the cards for more than just bus passes. They can also be used for taxi and other concessionary transport.
One example is the "Smartcare go" scheme provided by Ecebs. Other schemes in the UK include period travel passes, carnets of tickets or day passes and stored value which can be used to pay for journeys.
Other concessions for school pupils, students and job seekers are also supported. Many smart transport schemes include the use of low cost smart tickets for simple journeys, day passes and visitor passes.
Examples include Glasgow SPT subway. Confidex smart media. In Sweden, as of , smart cards have started to be phased out and replaced by smart phone apps.
The phone apps have less cost, at least for the transit operators who don't need any electronic equipment the riders provide that.
The riders are able buy tickets anywhere and don't need to load money onto smart cards. The smart cards are still in use for foreseeable future as of Net and offline and as a memory support to save game progress.
Thanks this agreement, the three companies are now using a unified card reader in their arcade cabinets, so that players are able to use their card, no matter if a Banapassport, a e-Amusement Pass or an Aime, with hardware and ID services of all three manufacturers.
A common logo for Amusement IC cards has been created, and this is now displayed on compatible cards from all three companies. In January , Taito announced  that his Nesica card was also joining the Amusement IC agreement with the other three companies.
Smart cards can be used as a security token. Mozilla's Firefox web browser can use smart cards to store certificates for use in secure web browsing.
Some disk encryption systems , such as VeraCrypt and Microsoft's BitLocker , can use smart cards to securely hold encryption keys, and also to add another layer of encryption to critical parts of the secured disk.
GnuPG , the well known encryption suite, also supports storing keys in a smart card. Smart cards are also used for single sign-on to log on to computers.
Smart cards are being provided to students at some schools and colleges. Smart health cards can improve the security and privacy of patient information, provide a secure carrier for portable medical records , reduce health care fraud , support new processes for portable medical records, provide secure access to emergency medical information, enable compliance with government initiatives e.
Smart cards are widely used to encrypt digital television streams. VideoGuard is a specific example of how smart card security worked.
The Malaysian government promotes MyKad as a single system for all smart-card applications. MyKad started as identity cards carried by all citizens and resident non-citizens.
Available applications now include identity, travel documents, drivers license, health information, an electronic wallet, ATM bank-card, public toll-road and transit payments, and public key encryption infrastructure.
Smart cards have been advertised as suitable for personal identification tasks, because they are engineered to be tamper resistant.
The chip usually implements some cryptographic algorithm. There are, however, several methods for recovering some of the algorithm's internal state.
Differential power analysis involves measuring the precise time and electric current required for certain encryption or decryption operations.
This can deduce the on-chip private key used by public key algorithms such as RSA. Some implementations of symmetric ciphers can be vulnerable to timing or power attacks as well.
Smart cards can be physically disassembled by using acid, abrasives, solvents, or some other technique to obtain unrestricted access to the on-board microprocessor.
Although such techniques may involve a risk of permanent damage to the chip, they permit much more detailed information e.
The benefits of smart cards are directly related to the volume of information and applications that are programmed for use on a card.
Multi-factor and proximity authentication can and has been embedded into smart cards to increase the security of all services on the card. For example, a smart card can be programmed to only allow a contactless transaction if it is also within range of another device like a uniquely paired mobile phone.
This can significantly increase the security of the smart card. Governments and regional authorities save money because of improved security, better data and reduced processing costs.
These savings help reduce public budgets or enhance public services. Individuals have better security and more convenience with using smart cards that perform multiple services.
For example, they only need to replace one card if their wallet is lost or stolen. The data storage on a card can reduce duplication, and even provide emergency medical information.
The first main advantage of smart cards is their flexibility. Smart cards have multiple functions which simultaneously can be an ID, a credit card, a stored-value cash card, and a repository of personal information such as telephone numbers or medical history.
The card can be easily replaced if lost, and, the requirement for a PIN or other form of security provides additional security from unauthorised access to information by others.
At the first attempt to use it illegally, the card would be deactivated by the card reader itself. The second main advantage is security. Smart cards can be electronic key rings, giving the bearer ability to access information and physical places without need for online connections.
They are encryption devices, so that the user can encrypt and decrypt information without relying on unknown, and therefore potentially untrustworthy, appliances such as ATMs.
Smart cards are very flexible in providing authentication at different level of the bearer and the counterpart. Finally, with the information about the user that smart cards can provide to the other parties, they are useful devices for customizing products and services.
Smart cards can be used in electronic commerce , over the Internet, though the business model used in current electronic commerce applications still cannot use the full potential of the electronic medium.
An advantage of smart cards for electronic commerce is their use customize services. For example, in order for the service supplier to deliver the customized service, the user may need to provide each supplier with their profile, a boring and time-consuming activity.
A smart card can contain a non-encrypted profile of the bearer, so that the user can get customized services even without previous contacts with the supplier.
The plastic or paper card in which the chip is embedded is fairly flexible. The larger the chip, the higher the probability that normal use could damage it.
Cards are often carried in wallets or pockets, a harsh environment for a chip and antenna in contactless cards. However, for large banking systems, failure-management costs can be more than offset by fraud reduction.
The production, use and disposal of PVC plastic is known to be more harmful to the environment than other plastics. If the account holder's computer hosts malware , the smart card security model may be broken.
Malware can override the communication both input via keyboard and output via application screen between the user and the application.
Man-in-the-browser malware e. Banks like Fortis and Belfius in Belgium and Rabobank " random reader " in the Netherlands combine a smart card with an unconnected card reader to avoid this problem.
The customer enters a challenge received from the bank's website, a PIN and the transaction amount into the reader. The reader returns an 8-digit signature.
This signature is manually entered into the personal computer and verified by the bank, preventing point-of-sale-malware from changing the transaction amount.
Smart cards have also been the targets of security attacks. These attacks range from physical invasion of the card's electronics, to non-invasive attacks that exploit weaknesses in the card's software or hardware.
The usual goal is to expose private encryption keys and then read and manipulate secure data such as funds. Once an attacker develops a non-invasive attack for a particular smart card model, he or she is typically able to perform the attack on other cards of that model in seconds, often using equipment that can be disguised as a normal smart card reader.
Tamper-evident and audit features in a smart card system help manage the risks of compromised cards. Another problem is the lack of standards for functionality and security.
From Wikipedia, the free encyclopedia. Redirected from Chip card. Pocket-sized card with embedded integrated circuits for identification or payment functions.
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