Table of Contents Smart Card Basics ......................................................................................................................................................... 5 Overview & Applications .............................................................................................................................................. 5 Why Smart Cards........................................................................................................................................................... 6 SIM Cards and Telecommunication ......................................................................................................................................................... 6 Loyalty and Stored Value ............................................................................................................................................................................. 6 Securing Digital Content and Physical Assets...................................................................................................................................... 6 E-Commerce ..................................................................................................................................................................................................... 6 Bank Issued Cards .......................................................................................................................................................................................... 7 Healthcare Informatics ................................................................................................................................................................................. 7 Enterprise and Network Security .............................................................................................................................................................. 7 Physical Access ................................................................................................................................................................................................ 8 Types of Chip Cards ...................................................................................................................................................... 9 Card Construction .......................................................................................................................................................................................... 9 Contact Cards ................................................................................................................................................................................................10 Memory Cards ...............................................................................................................................................................................................11 CPU/MPU Microprocessor Multifunction Cards ................................................................................................................................11 Contactless Cards .........................................................................................................................................................................................12 Multi-mode Communication Cards .......................................................................................................................................................12 Hybrid Cards .................................................................................................................................................................................................12 Dual Interface Cards ....................................................................................................................................................................................12 Multi-component Cards .............................................................................................................................................................................12 Smart Card Form Factors ............................................................................................................................................13 Integrated Circuits and Operating Systems ............................................................................................................. 13 Smart Card Readers/Terminals ..................................................................................................................................15 Readers ............................................................................................................................................................................................................15 Contact ...................................................................................................................................................................................................15 Contactless .............................................................................................................................................................................................15 Interface ..................................................................................................................................................................................................15 Reader & Terminal to Card Communication .......................................................................................................................................15 Applications Development .............................................................................................................................................................16 Terminals .........................................................................................................................................................................................................16 Smart Card Standards ................................................................................................................................................17 ICAO ..................................................................................................................................................................................................................17 Global System for Mobile Communication (GSM) ...........................................................................................................................18 OpenCard™ Framework .............................................................................................................................................................................18 Global Platform .............................................................................................................................................................................................19 Common Criteria ..........................................................................................................................................................................................19 Biometric Standards ....................................................................................................................................................................................19 System Planning & Deployment ................................................................................................................................21 Basic Set-Up....................................................................................................................................................................................................21 Security Planning .........................................................................................................................................................................................21 Value Applications .......................................................................................................................................................................................21 General Issuance...........................................................................................................................................................................................22 Multi-Application Card Systems .............................................................................................................................................................22 3 Deployment ...................................................................................................................................................................................................23 Smart Card Security (Section 1) .................................................................................................................................24 What Is Security? ..........................................................................................................................................................................................24 What Is Information Security?..................................................................................................................................................................24 The Elements Of Data Security ................................................................................................................................................................24 The Mechanisms Of Data Security .........................................................................................................................................................25