Electronic Toll Payment System Using RFID Smart Card Bachelorof Technology
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Smart Cards Contents
Smart cards Contents 1 Smart card 1 1.1 History ................................................ 1 1.1.1 Invention ........................................... 1 1.1.2 Carte Bleue .......................................... 2 1.1.3 EMV ............................................. 2 1.1.4 Development of contactless systems ............................. 2 1.2 Design ................................................ 2 1.2.1 Contact smart cards ..................................... 3 1.2.2 Contactless smart cards .................................... 3 1.2.3 Hybrids ............................................ 4 1.3 Applications .............................................. 4 1.3.1 Financial ........................................... 4 1.3.2 SIM .............................................. 4 1.3.3 Identification ......................................... 4 1.3.4 Public transit ......................................... 5 1.3.5 Computer security ...................................... 6 1.3.6 Schools ............................................ 6 1.3.7 Healthcare .......................................... 6 1.3.8 Other uses .......................................... 6 1.3.9 Multiple-use systems ..................................... 6 1.4 Security ................................................ 6 1.5 Benefits ................................................ 6 1.6 Problems ............................................... 7 1.7 See also ................................................ 7 1.8 Further reading ........................................... -
RFP for Selection of Financial Institution for Open Loop Smart Card Common City Payments System
RFP for Selection of Financial Institution for Open Loop Smart Card Common City Payments System Selection of Financial Institution for Providing Smart Card Based Eco System for Unified City Payments Including Mobility, Recreational and Amusement Areas of SMC, Municipal Bills, Utility Payments, Retail and Other Payments within Surat City PART 1 – INSTRUCTIONS TO BIDDERS SECTION AND DRAFT LICENSE AGREEMENT Invited by Surat Smart City Development Limited 115, Smart City Cell, Surat Municipal Corporation, Muglisara, Main Road, Surat – 395003, Gujarat RFP No.: SSCDL-CityPaymentCard-RFP-01-2016 Last date (deadline) for online Price Bid Submission: 15.12.2016 Last date (deadline) for Technical Bid Submission: 19.12.2016 DISCLAIMER This RFP is being issued by the Surat Smart City Development Limited (hereunder called “Authority”/“SSCDL”) for inviting tenders to shortlist Financial Institutions for providing smart card based eco system for unified city payments including mobility, recreational and amusement areas of SMC, municipal bills, utility payments, retail and other payments within Surat City. It is hereby clarified that this RFP is not an agreement and is not an offer or invitation by Authority to any party hereunder. The purpose of this RFP is to provide the Bidder(s) with information to assist in the formulation of their proposal submission. This RFP document does not purport to contain all the information Bidders may require. This RFP document may not be appropriate for all persons, and it is not possible for Authority to consider particular needs of each Bidder. Each Bidder should conduct its own investigation and analysis, and should check the accuracy, reliability and completeness of information in this RFP document and obtain independent advice from appropriate sources. -
Acquiring – Terms and Conditions 2020
Acquiring – Terms and Conditions 2020 nets.eu/payments Contents DEFINITIONS ........................................................................................................................................................................................................................................................................3 1. SCOPE OF THE AGREEMENT ....................................................................................................................................................................................................................5 2. GENERAL REQUIREMENTS APPLICABLE TO THE MERCHANT ...........................................................................................................................................5 3. ACCEPTANCE OF PAYMENT CARDS .....................................................................................................................................................................................................8 4. THE RELATIONSHIP BETWEEN THE MERCHANT AND THE CARDHOLDER ..............................................................................................................10 5. PRICES, PAYMENTS AND SETTLEMENTS ......................................................................................................................................................................................10 6. DISPUTED CARD PAYMENTS ..................................................................................................................................................................................................................11 -
National Payment System Development Strategy for 2021 – 2023
NATIONAL PAYMENT SYSTEM DEVELOPMENT STRATEGY FOR 2021 – 2023 Moscow 2021 CONTENTS Introduction .......................................................................................................................... 2 1. Current status of the NPS ............................................................................................... 4 1.1. Regulation ..................................................................................................................................................................................4 1.2. NPS infrastructure .................................................................................................................................................................5 1.3. Payment service providers ................................................................................................................................................9 1.4. Payment service consumers ..........................................................................................................................................10 2. Global and domestic trends and challenges of the payment market ......................13 2.1. Transformation of client experience and consumption models .....................................................................13 2.2. New payment technologies ...........................................................................................................................................13 2.3. New payment market participants .............................................................................................................................14 -
Axis Bank in Association with BMTC Launches India's First Open Loop EMV Contactless Smart Card for Transit in Bengaluru
Axis Bank in association with BMTC launches India’s first open loop EMV contactless smart card for transit in Bengaluru India’s first Open loop – single wallet EMV Contactless Transit Card with the objective to create a Scalable, Interoperable ecosystem for convergence of Transit & Retail Payments. Prepaid Transit Card that allows cashless commuting and enhances shopping experience Bengaluru June 14, 2016: Axis Bank, India’s third largest private sector bank has associated with Bengaluru Metropolitan Transport Corporation (BMTC) to launch ‘Axis Bank BMTC Smart card’, India’s first ever open loop EMV contactless smart card that would make travel by bus, a convenient and hassle free experience for the daily commuters in Bengaluru. This initiative is in support Ministry of Urban Development’s vision to address the need of Common Mobility Card. Axis Bank BMTC Smart Card is India’s first prepaid transit card offering integrated single wallet that supports both EMV wallet and transit functions. The card offers integrated services to the commuters by offering them cashless bus travel; and also offers shopping experience at about 1.2 Mn merchant outlets across the country, and therefore, no hassle of carrying multiple cards. Axis Bank has partnered with National Payments Corporation of India (NPCI) for this project for developing the transit EMV contactless specification on interoperable open standards. These specifications can be used by any other transit operator (Metro/Cabs/Auto) by incorporating these standards with their existing fare collection systems. This will make it more convenient for the commuters, as it would allow them to use the same card for purchasing tickets/passes & for all other daily purchase transactions The Smart Card will be issued and loaded at BMTC issuance counters such as pass counters, and Traffic and Transit Management Centres (TTMC) and various other touch points across Bengaluru For balances below Rs 10,000/-, cards would be issued by capturing the minimum mandatory requirements of the customer in the system. -
Virtual Card Management Service (VCM) Built to Support Payment from Any Device
Virtual Card Management Service (VCM) Built to support payment from any device EASY DEPLOYMENT Nets’ VCM is designed to easily integrate with your existing payment Fast time to market for platform, ensuring compatibility with your current processes for card mobile payment solutions. management. Payment technologies, schemes, wallet types and Virtual card management in place for easy integration functionalities are included in a single API – making it fast and easy to with your core services. implement, integrate and deploy a strong solution. REACH THIS SERVICE IS BASED ON: 50+ banks already • A personal user experience for your • Full card management on individual virtual on board. Independent of customers through smart customisa- card level in accordance with industry stand- payment technology with ble self-service features. ards. full control and transparen- • A one-stop solution including all • Secure processes for critical card manage- cy from a card is virtualised necessary features for virtual card life ment functions such as card virtualisation, until it expires. cycle management. passcode reset, etc. through integration to customer provided cardholder identification EASY AND SECURE • A highly secure and constantly availa- and authentication security processes. The virtual card ble mobile payment solution ensuring • A fully fledged API to enhance user experi- management service is a reliable solution for your customers. ence based on customer preferences. based on industry stand- ards in addition to PCI DSS • A fast and smooth deployment solu- and PCI CPP compliance tion that integrates with your existing The ability to manage and control virtual cards regarding card management life cycle management process. is crucial for you as a card issuer as it enables and control. -
NETS and Comfortdelgro Launch Convenient In-App Payment for NETS Users
Media Release NETS and ComfortDelGro launch convenient in-app payment for NETS users NETS Click, the new in-app payment method enables consumers to use NETS bank cards on apps such as the ComfortDelGro Taxi Booking App for seamless and hassle-free payments Singapore, October 31, 2019 – NETS and ComfortDelGro Taxi today announced the launch of NETS’ new in-app payment method for taxi bookings and street hail trips made through the ComfortDelGro Taxi Booking App. Named NETS Click, the initiative enables consumers to use their NETS bank cards from DBS, OCBC and UOB to conveniently pay for both mobile booking and street hail trips with ComfortDelGro taxis via the ComfortDelGro Taxi Booking App. The partnership with ComfortDelGro Taxi marks the first time consumers can store NETS payment details on file to use their NETS bank card as an in-app payment mode. NETS will soon partner with online merchants to integrate NETS Click into their in-app payment process, providing consumers another option when they make payments for their purchases on their mobile devices. To use NETS Click for ComfortDelGro taxi rides, passengers can add their NETS bank card to the ComfortDelGro Taxi Booking App and authenticate their identity with a one- time password sent to their registered mobile number. Subsequently, NETS can be selected as the in-app payment option for ride bookings made via the app or street hail. For street hail trips, passengers would need to select the ‘Pay for Street Hail’ option on the ComfortDelGro Taxi Booking App. When they have boarded the hailed taxi, they may select NETS Click as the payment method on the app. -
Maturity of Smart Card Chip Technology and Its Application to Web Security Cathy Medich, Sree Swaminathan, Kelly Urban, Siva Narendra Smart Card Alliance 1
Maturity of Smart Card Chip Technology and Its Application to Web Security Cathy Medich, Sree Swaminathan, Kelly Urban, Siva Narendra Smart Card Alliance 1. Abstract This position paper provides an overview of smart card secure element chip technology, the markets and applications that use smart card chip technology, the security provided by smart card technology, and the standards that are used to support smart card applications. Contrary to some beliefs, smart card silicon is a highly standardized piece of security hardware that is widely available in the market, and is already in use globally in payments, identity (e.g., e-passports, government employee ID) and access control applications. The scale and standardization of secure smart card technology bring the most obvious core security component that should be integrated into the next generation of unified web security standards. 2. Smart Card Chip Technology Overview A smart card chip is an integrated circuit that includes an embedded secure microcontroller and supports the ISO/IEC 7816 standard for direct physical contact and/or the ISO/IEC 14443 standard for a remote contactless radio frequency interface. With a secure microcontroller, smart cards have the unique ability to store large amounts of data, carry out their own on-card functions (e.g., encryption and mutual authentication) and interact intelligently with computers, mobile phones, and other readers. Smart card technology conforms to international standards and industry specifications also govern the use of smart card technology for various applications. The term, "smart card," is something of misnomer. While the plastic card was the initial smart card form factor, smart card technology is now available in a wide variety of form factors, including plastic cards, key fobs, subscriber identification modules (SIMs) used in mobile phones, watches, electronic passports and USB-based tokens. -
ATM & NETS Link Frequently Asked Questions
ATM & NETS Link Frequently Asked Questions 1. What do you mean by linking of my DBS/POSB current/savings account to my DBS/POSB Credit Card? When you link your DBS/POSB current/savings account to your DBS/POSB Credit Card, ATM and NETS functions are made available on your DBS/POSB Credit Card. 2. What are the benefits of doing the linkage? • Save wallet space with one Card, reduce the need to carry many Cards around. • Perform ATM card functions such as cash withdrawal from your DBS/POSB current/savings account with your DBS/POSB Credit Card. • Enjoy the convenience of NETS with your DBS/POSB Credit Card at more than 70,000 NETS acceptance points. 3. How do I apply for this linkage? You can log into your digibank via internet or mobile banking to apply. You can visit https://www.dbs.com.sg/personal/support/card-application-link-card-to-deposit-account.html for more details. Please allow up to 5 working days for processing. 4. How will I know if the linkage is successful? An SMS or letter will be sent to notify you upon the successful linkage of DBS/POSB current/savings account to your DBS/POSB Credit Card. 5. When I sign for my transactions via American Express®/MasterCard®/Visa on this linked Credit Card, will it be considered as a Credit Card transaction? Yes. When you sign for your transactions with your linked Credit Card, it will be considered a Credit Card transaction. Only when you make NETS transactions, the purchase would be debited from your DBS/POSB current/savings account linked to your DBS/POSB Credit Card. -
Unlocking the Smart Card
Episode Four: Unlocking the Smart Card This is an excerpt from Unlocked — an ASSA ABLOY podcast series on campus security. Unlocked explores the security issues and challenges that colleges and universities face as they strive to create a safe and secure learning environment. Visit intelligentopenings.com/unlocked to hear more. How We Got Smart Before diving into the current broken cards and physical wear on the credential technologies, it helps to readers. Prox solved these problems. understand where we came from. Lower maintenance costs, increased In 1960, a young engineer from IBM user convenience, and new options named Forrest Parry invented the for form factors like fobs made the magnetic stripe card. Once prox card a winner. But the low- ubiquitous on campus doors, more frequency proximity technology is reliable and secure technologies not without its limitations. are quickly eclipsing the mag stripe. Mag stripe cards are simple. A card gets swiped in a reader. That reader then reads a sequence of numbers Outside of higher stored on the stripe of that card. education and If the number matches what’s stored in the access system’s older hotels, hardly Whether installing a new door access database, the door unlocks. system for your campus or upgrading from a legacy system you have a lot of Many campuses still use the mag anyone still uses decisions to make. stripe card for their door access. This is mainly because the cards are mag stripe cards You first must choose the right access inexpensive, the cost to replace the software and locking hardware. -
Between Evolution and Revolution
Navigating the payments matrix BetweenCharting aevolution course andamid revolution evolution and Payments to 2025 and Beyond revolution THE FUTURE OF FINANCIAL SERVICES PAYMENTS 2025 & BEYOND 2 | PwC Navigating the payments matrix Foreword Dear reader, The financial-services industry is in the midst of a We are therefore delighted that the first report we are significant transformation, accelerated by the COVID-19 launching in our 2025 & Beyond series focuses on the pandemic. And given the key role digitisation plays payments industry and the key themes that are influencing in the financial lives of more and more of the world’s it. How the industry responds to these trends will define population, electronic payments are at the epicentre of both how successful it is in the coming years and its this transformation. impact on society overall. Payments are increasingly becoming cashless, and We hope that you find these insights helpful and the industry’s role in fostering inclusion has become provocative. Please feel free to reach out to me and my a significant priority. Payments also are supporting colleagues with your comments and feedback. the development of digital economies and are driving innovation—all while functioning as a stable backbone for Sincerely, our economies. Peter C. Pollini Principal, PwC US [email protected] 3 | PwC Navigating the payments matrix Figure 1: Cashless transaction volume will more than double by 2030 Where are Number of cashless transactions in billions 61% we now? GROWTH Total 3,026 82% GROWTH Sending a text to pay for a bus ticket in 1,818 Turkey, using a QR code to buy groceries in China, or tapping a sales terminal with Total 1,882 a mobile phone in the US. -
ACR122U Application Programming Interface V2.04
ACR122U USB NFC Reader Application Programming Interface V2.04 Subject to change without prior notice [email protected] www.acs.com.hk Table of Contents 1.0. Introduction ............................................................................................................. 4 1.1. Features ................................................................................................................................. 4 1.2. USB Interface ........................................................................................................................ 5 2.0. Implementation ........................................................................................................ 6 2.1. Communication Flow Chart of ACR122U .............................................................................. 6 2.2. Smart Card Reader Interface Overview ................................................................................ 7 3.0. PICC Interface Description ..................................................................................... 8 3.1. ATR Generation ..................................................................................................................... 8 3.1.1. ATR format for ISO 14443 Part 3 PICCs ...................................................................... 8 3.1.2. ATR format for ISO 14443 Part 4 PICCs ...................................................................... 9 4.0. PICC Commands for General Purposes .............................................................. 11 4.1. Get Data..............................................................................................................................