Smart cards are credit card sized plastic cards with embedded integrated circuit chips that can store and process data. They come in three main types: contact cards which require physical contact with readers, contactless cards which use embedded antennas, and dual interface cards which have both contact and contactless capabilities. Smart cards provide security, portability, and support multiple applications including payments, identification, financial transactions, networking, transportation, and health records. While smart cards offer benefits, disadvantages include potential security breaches, limited applicability in remote areas, slow adoption rates, and high installation costs.
2. Introduction
Imagine the power of a computer, the
speed and security of electronic data, and the
freedom to carry that information anywhere on
earth. Imagine a computer so small it fits inside a
plastic card like the credit card you carry in your
wallet. Imagine the smart card.
3. What is Smart Card?
A credit card sized plastic card having an
integrated circuit chip embedded in it and
conforming to ISO – 7816 is called as Smart
Card.
4. Parts of Smart Card
Generally, it is made up of three elements. The
plastic card, a printed circuit or contact disc and an
integrated circuit chip are embedded on the card.
6. Contact Cards
The contact cards need to be in physical contact
with the card reader in order for information to
be exchanged. The integrated circuit on the chip
is connected to a contact plate (typically a gold
plate) on the surface of the card.
Contact cards make up 91.92% of the total smart
card market as of 2002
7. Contactless Cards
Contact-less smart cards contain an embedded
antenna, instead of contact pads attached to the
chip, for reading and writing information contained
in the chip's memory. Contact-less cards do not
have to be inserted into a card acceptor device.
Student identification, electronic passport, vending,
parking and tolls are common applications for
contact-less cards.
8. Dual Interface Cards
In more recent developments, there are now cards
with both a contact and a contact less interface
(dual interface or combi -cards). These may
incorporate two non-communicating chips - one for
each interface - but preferably have a single, dual
interface chip providing the many advantages of a
single e-purse, single operating architecture, etc.
10. Applications of Smart Card
● Payment System
● Smart Networking
● University Identification
● Financial Applications
● Communication Applications
● Transportation
● Health
● Multimedia
11. Payment System
A payment function is
an integral part of most
smart card applications
because most services
accessible by smart
cards must be paid one
way or the other.
12. Benefits of cashless payment
Reduced handling costs
Improved ease of use
Lowered costs in infrastructural supports such as
banking system and phone networks
Versatility of combining credit, debit and stored
value cards in one convenient platform
13. Smart Networking
Smart card technologies
provide strong security
through encryption as
well as access control,
based on identification
technologies such as
biometrics.
14. University Identification Cards
The traditional student ID card
can be replaced by an all-
purpose chip-based student ID
card, containing a variety of
applications such as electronic
purse (for vending and laundry
machines), and for use as a
library card, and meal card.
15. Financial Applications
Smart cards are being
used as an electronic
purse, or e-purse, to
replace coins for small
purchases in vending
machines and over-the
counter transactions.
This area is growing
rapidly in Europe and
the U.S.
16. Communication Applications
The chip-based cards
help secure the initiation
of calls and the
identification of callers
(for billing purposes) on
any Global System for
Mobile Communications
(GSM) phone
17. Transportation
Mass transit fare collection
systems are using smart
tickets, which are easy to
load and redeem for a fare.
These smart tickets can be
disposable -that means use
and throw away-or can be
given only to regular
travelers.
18. Health Card
Crucial personal health
data is another type of
information that can be
stored on a smart card. It
eliminates the overhead
costs of maintaining
records, be they paper or
electronic.
19. Multimedia / Pay TV
Pay-TV is another area for
which smart cards are
becoming a natural solution.
Subscribers can instantly select
a show or a movie, online
music or live web casts and
immediately pay with the smart
card.
20. disadvantages
Security code theft by hackers
It is not applicable in remote areas
Slow adoption
Expensive installation.
21. Conclusion
The upcoming world is definitely use the
smart cards in every place. The smart cards
can create miracles in future