A smart card is a plastic card with an embedded microchip that can store data and be used for applications like phone calls, payments, and more. Smart cards were first developed in the 1970s and are now used widely for payment, transit cards, identification, and more. They provide security advantages over magnetic stripe cards and allow for multiple functions on a single card. Smart cards are expected to continue evolving to new form factors and applications in the future.

1. KUMAR SANDEEP 807048 EEE-1 SMART CARDS

4. 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.

7. Card Elements Magnetic Stripe Chip Embossing (Card Number / Name / Validity, etc.) Logo Hologram

8. 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 device s: D - VCC : Power supply input : Either used itself (reset signal supplied from the interface device) or in combination with an internal reset control circuit (optional use by the card) . Fig : A smart card pin out RST CLK

9. CARD STRUCTURE Out of the eight contacts only six are used. V cc is the supply voltage, V ss is the ground reference voltage against which the Vcc potential is measured, V pp connector is used for the high voltage signal,chip receives commands & interchanges data.

11. Smart Card Readers Computer based readers Connect through USB or COM (Serial) ports Dedicated terminals Usually with a small screen, keypad, printer, often also have biometric devices such as thumb print scanner.

15. From 1 billion to 4 billion units in 10 years… Worldwide smart card shipments 925 960 2655 3325 Millions of units Microprocessor cards Memory cards 4285 3580 925 960 0 500 1000 1500 2000 2500 3000 3500 4000 4500 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

16. Smart Cards in everyday life… Ticketing Payment Loyalty Transport Smart Poster Health card Communication

20. Key Attributes Security to make the Digital Life safe and enjoyable Ease of Use to enable all of us to access to the Digital World Privacy to respect each individual’s freedom and intimacy SAFE

23. Our Industries Is rapidly changing eTicketing Interactive billboards Transports Retail New solutions leveraging on mobile contactless services

28. It’s no longer only «Cards» e-Passport: the first Smart Secure Device 45 Millions e-Passport in 2009

33. Disadvantages Smart cards used for client-side identification and authentication are the most secure way for eg. internet banking applications, but the security is never 100% sure. In the example of internet banking, if the PC is infected with any kind of malware , the security model is broken. Malware can override the communication (both input via keyboard and output via application screen) between the user and the internet banking application (eg. browser). This would result in modifying transactions by the malware and unnoticed by the user. There is malware in the wild with this capability (eg. Trojan. Silentbanker).

34. Remedies… Banks like Fortis and Dexia in Belgium combine a Smart card with an unconnected card reader to avoid this problem. The customer enters a challenge received from the bank's website, his PIN and the transaction amount into the card reader, the card reader returns an 8-digit signature. This signature is manually copied to the PC and verified by the bank. This method prevents malware from changing the transaction amount.

36. The Smart card success story 2040 410 205 2600 500 225 3000 580 295 Identity & others Banking - Retail Telecom (SIM) +15% +27% +22% +16% +31% +10% 2007 2008 2009 Microprocessor Smart Cards Shipments ( Millions of units ) 0 500 1000 1500 2000 2500 3000 3500 4000

37. By 2020 … 20 Billion Smart Secure Devices >4 Billion Mobile Appliances users >4 Billion e-ID documents in use