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How can the SMART card help in new channels?

To Managing Finances Securely and Conveniently. Entertainment on Demand. Earning and redeeming rewards with Virtual Merchants. To store personal data for covenience on-line. Virtual Health, Govt or other Services. To Secure Virtual World Shopping with Credit (Chip SecureCode) or e-Cash.

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How can the SMART card help in new channels?

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  1. To Managing Finances Securely and Conveniently Entertainment on Demand Earning and redeeming rewards with Virtual Merchants To store personal data for covenience on-line Virtual Health, Govt or other Services To Secure Virtual World Shopping with Credit (Chip SecureCode) or e-Cash How can the SMART card help in new channels?

  2. KILLER Applications

  3. MULTOS • The only OS obtaining ITSEC(E6) Very secure • Multi-application support • Requires Coprocessor for RSA makes it expensive

  4. MULTOS: The OPEN STANDARD smart card operating system • MULTOS defines a standard CHIP HARDWARE INDEPENDENT Smart CardOperating System: • Portable: • Develop applications ONCE and run on ANY MULTOS chip. • Open: • Develop in C or Java and Compile. API FREELY available. MEL Editor C Compiler Java Compiler / Translator EMV EMV • Highest Hardware and OS Security Assurance: • ITSEC E6 High evaluated • MULTOS SCHEME facilitates management of multiple applications • Advanced Asymmetric Cryptographic mechanism PKI Application A PKI Application A E2PROM E2PROM MULTOS API MULTOS API MULTOS VM MULTOS VM ROM ROM Infineon Silicon Renesas Silicon

  5. Native EMV Code Native Loyalty Code Native EMV Code Native EMV Code Native Loyalty Code Proprietary OS A Proprietary OS B Proprietary Smart Card Operating Systems • Proprietary Chip OS developed in “native” code - specific to underlying silicon - to access chip functions. OS often dedicated to performing a single specific function – e.g. EMV Data Data Data Data E2 E2 ROM ROM • OS code is fixed in the ROM of the chip, and cannot be changed after the chip is made. Chip Hardware A Chip Hardware B • Limited number of programmers able to make adaptations to proprietary OS – impact on time to market if changes / new functions required. • In order to multi-source silicon, native code must be redeveloped from scratch for new chip. Chip Hardware A Chip Hardware B

  6. ALC( Application Load Certificate) • Third party not able load applications without prior permission card issuer • The ALC is the digital certificate accompanying software to be loaded • Generated by Trusted third party called: Multos Key Management Authority: KMA • Card will only load or delete application if ALC is valid

  7. The KMA generates the keys that guarantee confidentiality of the application loading process • It securely produces MULTOS card Unique issuer ID • It securely generates unique public/private key pair

  8. What Is a Digital Signature ? • Used To Establish Authenticity of Electronically Transmitted messages • Only one Smart Card Can Sign a Document • Every One Can Verify The Signature • RSA algorithm is usually used to form a cryptographic checksum which is appended to the message

  9. Digital Signature

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