Contactless Enabled Payment Solution Project Group 08 P.M.I
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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 ........................................... -
An Architecture for Cryptography with Smart Cards and NFC Rings on Android
OpenKeychain: An Architecture for Cryptography with Smart Cards and NFC Rings on Android DOMINIK SCHÜRMANN, TU Braunschweig, Germany SERGEJ DECHAND, University of Bonn, Germany LARS WOLF, TU Braunschweig, Germany While many Android apps provide end-to-end encryption, the cryptographic keys are still stored on the device itself and can thus be stolen by exploiting vulnerabilities. External cryptographic hardware solves this issue, but is currently only used for two-factor authentication and not for communication encryption. In this paper, we design, implement, and evaluate an architecture for NFC-based cryptography on Android. Our high-level API provides cryptographic operations without requiring knowledge of public-key cryptography. By developing OpenKeychain, we were able to roll out this architecture for more than 100,000 users. It provides encryption for emails, messaging, and a password manager. We provide a threat model, NFC performance measurements, and discuss their impact on our architecture design. As an alternative form factor to smart cards, we created the prototype of an NFC signet ring. To evaluate the UI components and form factors, a lab study with 40 participants at a large company has been conducted. We measured the time required by the participants to set up the system and reply to encrypted emails. These measurements and a subsequent interview indicate that our NFC-based solutions are more user friendly in comparison to traditional password-protected keys. CCS Concepts: • Security and privacy → Usability in security and privacy; Key management; Hardware-based security protocols; • Human-centered computing → Mobile devices; Additional Key Words and Phrases: NFC, near-field communication, smart card, ring ACM Reference Format: Dominik Schürmann, Sergej Dechand, and Lars Wolf. -
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. -
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. -
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. -
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. -
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.............................................................................................................................. -
Using Coolrunner Cplds in Smart Card Reader Applications WP118 (V1.0) May 18, 2000 Author: Karen Parnell
White Paper: CoolRunner® CPLDs R Using CoolRunner CPLDs in Smart Card Reader Applications WP118 (v1.0) May 18, 2000 Author: Karen Parnell Summary This document presents the different types of smart cards and their applications and discusses the variety of smart card readers available and what functions they can perform. An illustration of the elements that form a typical smart card reader and how and where CoolRunner devices can be used to undertake some of these tasks is described herein. Introduction Smart cards and smart card readers are becoming a common part of our every day lives, and their usage will rise as new ways to use this stored data and processing power increases. Xilinx high-volume programmable devices can be used to implement various functions within smart card reader designs and are particularly beneficial in their hand-held, lightweight, battery powered versions. Xilinx devices targeted at this high-volume application are the latest family of ultra low-power devices—CoolRunner CPLDs. CoolRunner CPLDs are ideal in such applications as portable smart card readers because they benefit from total CMOS Fast Zero Power (FZP™) design technology that combines low power and high speed. CoolRunner CPLDs are available in extremely small form factor packages (Chip Scale Ball Grid Array) which allows smaller and lighter designs. Smart Card Imagine a time when we go to get our morning paper we could simply use a card charged with Market small denominations of money to pay for the paper instead of fumbling for small coins. When we rush to get on the bus we simply use the same card to pay for the ride. -
OMNIKEY® 5321 CL SAM USB Reader
LOGICAL ACCESS SOLUTIONS OMNIKEY® 5321 CL SAM USB Reader CONTACTLESS SMART CARD DESKTOP READER WITH SECURE ACCESS MODULE Versatile Applications – Ideal for end-user environments using contactless smart card technology with security support through a single SAM module Fast Contactless Transmission – Supports contactless smart cards up to 848 Kbps in fastest ISO 14443 A / B mode Designed for User Convenience – Housing design is optimized for advanced contactless applications Readily Compliant – Supports HID iCLASS® and MIFARE® as well as ISO 14443 A/B and ISO 15693 The OMNIKEY® 5321 CL SAM (Secure Access Utilizing contactless smart card technology Module) represents the ideal combination of for PC-linked applications, the OMNIKEY® 5321 contactless technology with security support CL SAM device allows users to experience through a SIM-sized card in a single device. the convenience, speed and security of Featuring a contactless PC-linked reader that contactless technology for applications, reads / writes to a 13.56 MHz contactless smart including log-on to Windows®, networks, web card and support additional security through sites and applications for the secure storage a SIM-sized card, the device is an ideal of user names, passwords and personal solution for customers who are in need information. And, with the additional support of a PC-connected contactless smart of Electro Magnetic Distortion (EMD), users card reader for a variety of security can now benefit by using the device for and identification applications. modern electronic -
Transit and Retail Payment: Opportunities for Collaboration and Convergence
Transit and Retail Payment: Opportunities for Collaboration and Convergence A Smart Card Alliance Report Publication Date: October 2003 Publication Number: PT-03005 Smart Card Alliance 191 Clarksville Rd. Princeton Junction, NJ 08550 www.smartcardalliance.org Telephone: 1-800-556-6828 Smart Card Alliance © 2003 1 About the Smart Card Alliance The Smart Card Alliance is the leading not-for-profit, multi-industry association of member firms working to accelerate the widespread acceptance of multiple applications for smart card technology. The Alliance membership includes leading companies in banking, financial services, computer, telecommunications, technology, health care, retail and entertainment industries, as well as a number of government agencies. Through specific projects such as education programs, market research, advocacy, industry relations and open forums, the Alliance keeps its members connected to industry leaders and innovative thought. The Alliance is the single industry voice for smart cards, leading industry discussion on the impact and value of smart cards in the U.S. For more information, visit www.smartcardalliance.org. Copyright © 2003 Smart Card Alliance, Inc. All rights reserved. Reproduction or distribution of this publication in any form is forbidden without prior permission from the Smart Card Alliance. The Smart Card Alliance has used best efforts to ensure, but cannot guarantee, that the information described in this report is accurate as of the publication date. The Smart Card Alliance disclaims all warranties as to the accuracy, completeness or adequacy of information in this report. Smart Card Alliance Members: Members can access all Smart Card Alliance reports at no charge. Please consult the member login section of the Smart Card Alliance web site for information on member reproduction and distribution rights. -
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Potential Misuse of NFC Enabled Mobile Phones with Embedded Security Elements as Contactless Attack Platforms Lishoy Francis, Gerhard Hancke, Keith Mayes and Konstantinos Markantonakis The Information Security Group, Smart Card Centre, Royal Holloway University of London, Egham Hill, TW20 0EX, Surrey, United Kingdom. Email: {L.Francis, Gerhard.Hancke, Keith.Mayes, K.Markantonakis}@rhul.ac.uk Abstract a turnstile, and the opportunity for a single device to con- tain multiple tokens. The NFC devices can also be used as a In this paper we investigate the possibility that a Near contactless reader that interacts with a variety of contactless Field Communication (NFC) enabled mobile phone, with “smart objects”. For example, a customer could initiate the an embedded Secure Element (SE), could be used as a mo- process to buy a cinema ticket by touching his NFC mobile bile token cloning and skimming platform. We show how an phone against a smart movie poster. More details on the attacker could use a NFC mobile phone as such an attack potential of NFC technology can be found in [2]. platform by exploiting the existing security controls of the Up to now, contactless transactions have been well re- embedded SE and the available contactless APIs. To illus- ceived by merchants and customers due to their inherent trate the feasibility of these actions we also show how to benefits such as ease of use, quick transaction time and lim- practically skim and emulate certain tokens typically used ited maintenance requirements. However, the increased use in payment and access control applications with a NFC mo- of mobile phones in contactless transactions could provide bile phone. -
Secure Element Development
Near Field Communication Research Lab Hagenberg Secure Element Development Josef Langer, Andreas Oyrer 4th Sept. 2009, Oulu Developers Summit www.nfc-research.at Near Field Communication Research Lab Hagenberg Agenda Part I: 11:45 – 12:30 . What is a Secure Element? . Secure Elements & SmartCards . Components of a Secure Elements . Tools for Developing Secure Elements . Standards www.nfc-research.at © Josef Langer, Andreas Oyrer 2009 2 Near Field Communication Research Lab Hagenberg Agenda Part II 1:30 – 3:00 . Secure Element in Details . Presentation Development Tools . Communicating with the Secure Element: – Mobilephone: J2ME – PC: Reader-Writer mode via PC/SC . Difficulties in Programming Secure Elements . Benefits and Drawbacks with Secure Element Programming www.nfc-research.at © Josef Langer, Andreas Oyrer 2009 3 Near Field Communication Research Lab Hagenberg Abbreviations and Definitions . J2ME: Java Platform Micro Edition . JSR: Java Specification Requests . Midlet: Java-applications running on a mobile phone . Applet: JavaCard-Application running on a SmartCard . APDU: Application Protocol Data Unit . SCWS: Smart Card Web Server www.nfc-research.at © Josef Langer, Andreas Oyrer 2009 4 Near Field Communication Research Lab Hagenberg Abbreviations and Definitions . SWP: Single Wire Protocol . USB: Universal Serial Bus . PC/SC: Smartcard Standard for PC . API: Application Programming Interface . SAT: SIM Application Toolkit www.nfc-research.at © Josef Langer, Andreas Oyrer 2009 5 Near Field Communication Research Lab Hagenberg What is a Secure Element? . Secure storage in your NFC device . Current Secure Element Implementations – Embedded in Mobile Phone – SIM Based – Removeable Secure Element (SD Card) Picture from G&D www.nfc-research.at © Josef Langer, Andreas Oyrer 2009 6 Near Field Communication Research Lab Hagenberg Motivation for Secure Elements .