A smart card is a rectangular piece of plastic,
very much like a credit card. But what makes
it "smart" is the microchip embedded
on it which is "programmed" to perform
specific functions for the card issuer.
The smart card can store much larger volumes
of data than other comparable media like the
magnetic stripe card. The latter can store around
200 bytes only while the latest smart cards
can store upto 16000 bytes, in separate logical
files for different uses & applications.
Besides the physical size of storage, the smart
card enables exceptionally long life of stored
data and the card itself can be read/written
more than a 100,000 times
It is believed that smart cards offer more
security and confidentiality than the other
kinds of information or transaction storage.
Moreover, applications applied with smart card
technologies are illustrated which demonstrate
smart card is one of the best solutions to provide
and enhance their system with security and integrity.
1. Bank e-purse
2. Smart Identity Cards with Acess Control
3. Educational Campus Cards
4. Loyalty Smart Cards.
Smart cards are taking our world by storm.
Everywhere you go, you encounter Smart Cards:
From Banks, Credit Cards, Super Market Chains,
Identity Cards to Airline Frequent Flyers etc.
Smart cards are standard Plastic cards with
a computer chip embedded on it. There are many
standards for such cards, from standard memory
cards, to MicroProcessor based cards, Crypto
Cards , Java Cards etc. All Bank Credit cards
need to change to Smart Cards by March 2008
(EMV Migration).
Success Stories:
The Rajkot District Co-operative Bank Ltd.,
Rajkot, India.
This application uses 16 K Microprocessor
cards with 3DES encryption technology.
On application, Bank issues such card to the
member with standard credit assigned to it.
The member can withdraw/deposit cash from any
branch of the bank using his card. All such
branches are not interlinked. All record are
kept on the card along with member’s other
details. All generated records at branches are
periodically collected at HO and consolidated
and reconciled. Member’s Photo and Signature
are also stored in the card along with capacity
to handle 500 transactions.
Standard three level security has been implemented
with 32 bit keys. It is almost unbreakable.
A super computer will take two years to break
a card..
Additional Security can be built using Biometrics.
A standard biometric reader can be provided
to all branches. The biometric fingerprint can
be stored within the card to provide complete
security while making payments.
This Application has been running successfully
at The Rajkot District Co-operative Bank Ltd.,
The solution works on Windows Platform and
requires Windows 98 SE or Higher. The application
software is developed and supplied by TM Systems.
A standard Smart Card Reader/Writer is required
to be attached to the Windows Computer (Serial
or USB Interface).
Smart Student ID Card., Ahmedabad, INDIA.
A smart card with Microprocessor and 16KB
RAM is being in many novel ways in CEPT University.
Some of them are as follows:
-
Identity Card:
It will provides a plastic based, protected
and idiot proof Student Identity Card. It
has a standard string to hang around the neck
and a plastic cover. The card has printed
details about Student, Address, Semester,
Blood Group, other details and Photograph
and also Bar Code. It provides a distinct
identity to students.
-
Students’ Record:
(basic Information + Fees Information)
The Card stores all the records of the student
from the first semester onwards. All admission
records, fees paid/unpaid etc. It is possible
for the student to view all these information
on a special terminal provided with the smart
card reader.
-
E-Purse facility at Canteen
/ Xerox/stationery mart / Cyber Cafe etc.
It is possible to store Credit Amount by way
of paying in advance in central office or
at individual centers. Then the amount will
get deducted as and when the student uses
any of the above facility. This eases out
carrying small amount of cash and also for
the individual seller; it is easy to manage
accounts.
-
Library :
All the books issues are recorded in the Smart
Card, including details of late fees etc.
Students can also view what books are lying
with them using the card.
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