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-
Secure Payments with Integrated Circuit Cards
- Description of Integrated Circuit Cards
- Memory Types
- Processing Capabilities
- Operating Systems
- Integrated Circuit Cards with Contacts
- Contactless Integrated Circuit Cards
- Integration of Smart Cards with Computer Systems
- OpenCard Framework
- PC/SC
- Movement for the Use of Smart Cards in a Linux Environment
- Financial Transactional IC Card Reader (FINREAD)
- Standards for Integrated Circuit Cards
- ISO Standards for Integrated Circuit Cards
- ISO Standards for Contactless Cards
- RFID Standards
- Near-Field Communication Standards
- File System of Integrated Circuits Cards
- Multiapplication Smart Cards
- Management of Applications in Multiapplication Cards
- Secondary Applications Controlled by the Primary Application
- Federation of Several Applications under a Central Authority
- Independent Multiapplications
- Java Virtual Machine
- Security of Integrated Circuit Cards
- Security during Production
- Physical Security of the Card during Usage
- Logical Security of the Card during Usage
- Payment Applications of Integrated Circuit Cards
- EMV®Card
- EMV Cryptography
- EMV Operation
- EMV Limitations
- EMV Tokenization
- Other Attacks on EMV
- General Consideration on the Security of Smart Cards
- Physical (Destructive) Attacks
- Logical (Noninvasive) Attacks
- Attacks against the Chip-Reader Communication Channel
- Relay Attacks on Contactless Cards
- Summary
- Questions
Abstract
The use of integrated circuit cards (smart cards) in payment applications started in France for telephone cards and withdrawal cards from automated tellers. A major expansion of their use followed the success of Groupe Spécial Mobile (GSM—Global System for Mobile Communication), the European specifications for digital cellular networks. Other payment applications followed in public transit systems and the development of the EuroPay, MasterCard, and Visa (EMV) specifications for financial transactions.
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