Smart Card. Handbook. Third Edition. Wolfgang Rankl and Wolfgang Effing. Giesecke & Devrient GmbH, Munich, Germany. Translated by. Kenneth Cox. View Table of Contents for Smart Card Handbook The most comprehensive book on state-of-the-art smart card technology available. Updated with new international standards and specifications, this essential fourth edition now covers all aspects of smart card in a completely revised structure.

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Smart Card Handbook Third Edition Wolfgang Rankl and Wolfgang Effing Giesecke & Devrient GmbH, Munich, Germany Translated by Kenneth Cox Kenneth. Smart Card. Handbook. Fourth Edition. Wolfgang Rankl and Wolfgang Effing. Giesecke & Devrient GmbH, Germany. Translated by. Kenneth. (George Moussa). The option trader handbook: strategies and trade The Option Trader Handbook: St.

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Contactless smart cards are part of ICAO biometric passports to enhance security for international travel.

Design[ edit ] A smart card may have the following generic characteristics: Dimensions similar to those of a credit card.

Another popular size is ID, which is nominally 25 by 15 millimetres 0. Both are 0.

Contains a tamper-resistant security system for example a secure cryptoprocessor and a secure file system and provides security services e. Managed by an administration system, which securely interchanges information and configuration settings with the card, controlling card blacklisting and application-data updates.

Smart cards are typically made of plastic, generally polyvinyl chloride , but sometimes polyethylene-terephthalate -based polyesters , acrylonitrile butadiene styrene or polycarbonate. Since April , a Japanese company has manufactured reusable financial smart cards made from paper. Note the thin gold bonding wires and the regular, rectangular digital-memory areas. Smart-card reader on a laptop A smart-card pinout.

VCC: Power supply. RST: Reset signal, used to reset the card's communications. CLK: Provides the card with a clock signal , from which data communications timing is derived. GND: Ground reference voltage. Contact smart cards have a contact area of approximately 1 square centimetre 0.

These pads provide electrical connectivity when inserted into a reader , [15] which is used as a communications medium between the smart card and a host e. Cards do not contain batteries ; power is supplied by the card reader. This allows smaller and cheaper financial card terminals. These cards require only proximity to an antenna to communicate.

Like smart cards with contacts, contactless cards do not have an internal power source. Instead, they use an inductor to capture some of the incident radio-frequency interrogation signal, rectify it, and use it to power the card's electronics. Dual-interface 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. Financial[ edit ] 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.

EMV cards are smart cards also called chip cards or IC cards that store their data on integrated circuits in addition to magnetic stripes for backward compatibility. User action: Ensure that the correct cryptogram information was passed, the correct key mode was specified, and the correct issuer master key was used. However, when they meet by coincidence outside their dorm rooms, a remorseful Jaune shares his personal problems with her, including the fact that he is being blackmailed; he even calls himself a failure in front of her, showing he fully trusts Ruby with his personal feelings.

The following changes have been made to Book 2 since the publication of Version 4. This bulletin defines terminal behaviour in the event of a CDA failure. For example, if you choose an aggregation level of detail, each row represents a single authorization transaction. The contract scope of work includes approximately , m 3 of excavation and 85, m 3 of fill. The best way to understand EMV is to think of a transaction as a conversation between the card and the termina We use cookies to ensure that we give you the best experience on our website.

The only problem that can occur is to call these functions. The ARQC created by the card application is a digital signature of the transaction details, which the card issuer can check in real time. No external software requirement. EMV is a payment method based upon a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason.

Deciphering EMV data encoded in the not so basic "basic encoding rules". Frequently, banks deny such fraud victims a refund, asserting that a card cannot be used without the correct PIN, and Toggle navigation. The ARQC created by the card application is a digital signature of the transaction details which can be checked in real time by the card issuer. California I parked my car in my assigned space last night and when I came out this afternoon to go somewhere it was gone It was towed by a company hired by the aptment owner.

Data Formats EMV 4. This data object is used in the terminal's decision whether to accept, decline or go on-line for a payment transaction. Its format depends on the card application.

The Emergency Severity Index ESI is a five-level emergency department ED triage algorithm that provides clinically relevant stratification of patients into five groups from 1 most urgent to 5 least urgent on the basis of acuity and resource needs. MCO At-Risk and Quality Challenge Results Calendar Year Health and Human Services Commission May Please note: Percentages in the tables have been rounded to the nearest hundredth and amounts to the nearest whole number; amounts may not add up to the exact total due to rounding.

Magnetic stripe cards are now on decline as many of standard bodies are pushing for chip based card and has been made mandatory in some of the regions e. The earthworks are planned to be substantially complete in Q2 Join GitHub today. The QR Code is failing for the reason I mentioned, a lack of creativity in their implementation. Dynamic Data Authentication DDA is a more securer way of authentication because it authenticates the card itself.

When the card gets the Generate AC command it will perform an own risk management and make a final decision whether the transaction process shall be complete offline, online or be rejected.

To determine whether 3-D Secure represents good security practises, as well as fairly represents the interests of all involved parties. This can be confirmed by checking the value of Field The ARQC is sent in the authorisation message. The purpose of the hearing is to punish the accused for a contempt of court, and that such punishment may consist of fine or imprisonment, or both, according to law.

This summary report looks at the top five priorities and challenges and also explores trends in digital transformation professions in the new business environment. It became apparent that the security features for protection against fraud and manipulation, as well as the basic functions of the card, had to be expanded and improved.

However, new approaches that did 1. The reader is surely familiar with this method from using bank machines automated teller machines. However, magnetic-stripe technology has a crucial weakness, which is that the data stored on the stripe can be read, deleted and rewritten at will by anyone with access to the necessary equipment.

For example, the reference value for the PIN could be stored in the terminal or host system in a secure environment, instead of on the magnetic stripe.

The development of the smart card, combined with the expansion of electronic dataprocessing systems, has created completely new possibilities for devising such solutions. Enormous progress in microelectronics in the s made it possible to integrate data storage and processing logic on a single silicon chip measuring a few square millimetres.

This was followed in by a similar patent application by Kunitaka Arimura in Japan. It was only then that the semiconductor industry was able to supply the necessary integrated circuits at acceptable prices. Since the basic inventions in smart card technology originated in Germany and France, it is not surprising that these countries played the leading roles in the development and marketing of smart cards.

Introducing a new technology in a new application has the great advantage that compatibility with existing systems does not have to be taken into account, so the capabilities of the new technology can be fully exploited. A pilot project was conducted in Germany in —85, using telephone cards based on several technologies.

Magnetic-stripe cards, optical-storage holographic cards and smart cards were used in comparative tests.

Smart cards proved to be the winners in this pilot study. The latter type of chip does not need an external programming voltage. An unfortunate consequence is that the French and German telephone cards are mutually incompatible.

The total rose to nearly 60 million in , and to several hundred million worldwide in Germany experienced similar progress, with a time lag of about three years. These systems were marketed throughout the world after the successful introduction of the smart card public telephone in France and Germany.

Telephone cards incorporating chips are currently used in more than 50 countries. The reason for introducing such cards was an increasing incidence of fraud with the magnetic-stripe cards used up to that time.

For technical reasons, the analog mobile telephone network was limited to a relatively small number of subscribers around one million , so it was not a true mass market for microprocessor cards.

Smart Card Handbook

However, the positive experience gained from using smart cards in the analog mobile telephone system was decisive for the introduction of smart cards into the digital GSM network. This network was put into service in in various European countries and has presently expanded over the entire world, with over million subscribers in more than countries.

These differences are described in detail in the following chapters.

Here we would just like to remark that the development of modern cryptography has been just as crucial for the proliferation of bank cards as developments in semiconductor technology. With the general expansion of electronic data processing in the s, the discipline of cryptography experienced a sort of quantum leap. Modern hardware and software made it possible to implement complex, sophisticated mathematical algorithms that allowed previously unparalleled levels of security to be achieved.

Moreover, this new technology was available to everyone, in contrast to the previous situation in which cryptography was a covert science in the private reserve of the military and secret services. With these modern cryptographic procedures, the strength of the security mechanisms in electronic data-processing systems could be mathematically calculated.

It was no longer necessary to rely on a highly subjective assessment of conventional techniques, whose security essentially rests on the secrecy of the procedures used.

Michael L. Alosco and Robert A. Stern

The smart card proved to be an ideal medium. It made a high level of security based on cryptography available to everyone, since it could safely store secret keys and execute cryptographic algorithms. In addition, smart cards are so small and easy to handle that they can be carried and used everywhere by everybody in everyday life.

It was a natural idea to attempt to use these new security features for bank cards, in order to come to grips with the security risks arising from the increasing use of magnetic-stripe cards. It took another 10 years before all French bank cards incorporated chips.

In , all German savings associations and many banks issued the new smart cards.

Smart card

In the previous year, multifunctional smart cards with POS functions, an electronic purse and optional value-added services were issued in all of Austria. It contained detailed descriptions of credit cards incorporating microprocessor chips, and it guaranteed the mutual compatibility of the future smart cards of the three largest credit card organizations.

There are currently more than 20 national systems in use in Europe alone, many of which are based on the European EN standard. The use of such systems is also increasing outside of Europe.

Smart Card Handbook

In the USA, where smart-card systems have had a hard time becoming established, Visa experimented with a smart-card purse during the Olympic Summer Games in Atlanta. Payments via the Internet offer a new and promising application area for electronic purses. However, the problems associated with making small payments securely but anonymously throughout the world via the public Internet have not yet been solved in a satisfactory manner.

Smart cards could play a decisive role in providing an answer to these problems. Besides this, smart cards could plan an important role in introducing electronic signatures. Several European countries have initiated the introduction of electronic signature systems after a legal basis for the use of electronic signatures was provided by approval of a European directive regarding electronic signatures in As the result of another application, almost every German citizen now possesses a smart card.

When health insurance cards incorporating chips were introduced, more than 70 million smart cards were issued to all persons enrolled in the national health insurance plan.Visa and MasterCard implemented a version deployed in — in the U.

EMVco's purpose is to assure the various financial institutions and retailers that the specifications retain backward compatibility with the version. Figure 1. The card then responds with an ARQC, in-dicating that the card is willing to do so.

In part, this was because smart cards allowed a high degree of security to be achieved for accessing the mobile telephone network. Their integrated security logic makes it possible to protect stored data against manipulation. The reason for introducing such cards was an increasing incidence of fraud with the magnetic-stripe cards used up to that time. A pilot project was conducted in Germany in —85, using telephone cards based on several technologies.

Email or Customer ID.

Smart cards may also be used as electronic wallets.

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