1. Bio Digital Signature "Multipurpose Smart ID Card with PKI“
Smart Card Logon
Bio Digital Signature
with Smart Card + e-ID + Credit Card
Credit card – POS - ATM
National Smart ID
"Multipurpose Smart ID Card with PKI“
Dr. Unho Choi UNHCR

2. PKI – DEVELOPING COUNTRY
Mongolia
Nigeria, Kenya ……
Iran
ICAO, e-UNLP ……
Morocco
Equator
Vietnam
Philippines
Rwanda
Jordan
Costa Rica
Brunei
Iraq
Egypt
Cameroon
Indonesia
Kenya
US, France, Sweden, Germany, Turkey, Norway ……
Panama
completed
Proceeding
Started

3. Sample
Nigeria - CHIP DESIGN

4. Nigeria = NID + Credit card
Sample
Nigeria = NID + Credit card
The credit card provider said it was rolling out a pilot scheme that will initially target 13m people. The project ties in with the Nigerian government’s plans to introduce identity cards and reduce Nigerians’ reliance on cash transactions.
Ajay Banga, MasterCard’s chief executive, said recently that the governments in Nigeria and Kenya were talking about moving towards becoming “cashless” societies.

5. eID Migration to Multiapp: eID, eGov, eService
Morpho – Infineon Workshop on eID
eID Migration to Multiapp: eID, eGov, eService
Three policies are established.
eID eGov eServices
China
Portugal
Belgium
Indo-nesia
Sweden
Hong Kong
Finland
Malaysia
Examples

6. Morpho – Infineon Workshop on eID
eID - Multiapp
Multi App
1 App
3 App´s
5 App´s
10 App´s
eService
eService
eHealth
eTicketing
eService
eDL
eGate
eBanking
eLibrary
eID
eService
eHealth
eTicketing
ATM
eDL
ePurse
eGates
Travel document
Finland
FINID
Italy
CNS
Hong Kong
HKSAR
Malaysia
MyKad
Example

7. Morpho – Infineon Workshop on eID
eID
Government projects needs typically 3 to 5 years to start roll outs.
Idea
Definition
Framework
Specification
Test/Study
Phase
Roll Out
Albania
Algeria
Austria 1G
Bahrain
Belgium
China
Ecuador
Estonia, 2G
Finland, 2G
Germany, 1G
Hong Kong
Indonesia, 1G
Ireland
Italy, 2G
Japan, 1G
Macao
Malaysia, 2G
Morocco
Netherlands, 2G
Oman
Portugal
Saudi Arabia
Serbia
Spain
Sweden
U.A.E, 2G …
Argentina
Bolivia
Botswana
Hungary
Indonesia, 2G
Japan, 2G
Kenya
Poland
Romania
Rwanda
South Korea
Sri Lanka …
Armenia
Austria 2G
Brazil
Chile
Cyprus
Egypt
France
India
Kirgizstan
Nigeria
Norway
RSA
Russia
Tanzania
Turkey
Venezuela …
Bangladesh
Bosnia
Germany, 2G
Greece
Italy, 3G
Mexico
Taiwan
Vietnam …
Current Status
National eID/eGov
(Examples)
Japan, 1G (JUKI)

8. SMART card - BIO SIGNATURE ?
: Concept is simple * You are you *
- Continue use of “match on card” in existing and new industry specifications.
- “match on card” is more generally accepted recognizable in the biometric industry.
- ISO/IEC :2010 — Biometric performance testing and reporting
: Testing of on-card biometric comparison algorithms
- ISO/IEC :2010 used on-card comparison and will use on-card biometric comparison
- NIST SP uses
 On-card comparison
 Fingerprint on-card comparison
 On-card biometric comparison
- Revisions to the PIV Biometrics Specifications FIPS 201 Updates at Sep 2012
On Card Biometric Comparison (OCC) authentication
: The cardholder’s fingerprint biometric representation is captured by the reader and transferred to the card, where it is matched against the cardholder’s stored biometrics.

9. Logical acces to computer
Sample
Logical acces to computer

10. MasterCard is partnering with the UN wfp - World Food Programme -
WFP And MasterCard Launch Partnership For "Digital Food"

11. Smart ?

12. Sample
France
Money at Your Fingertips: Supermarket Tests Biometric Payments By Scanning Fingerprints Instead of Credit Cards

13. End of chip and Pin? Shoppers test payment by fingerprint
Sample
End of chip and Pin? Shoppers test payment by fingerprint

14. Kenya 2013 – fingerprint atm
Sample
Kenya 2013 – fingerprint atm
Banks go for fingerprint identification to curb ATM fraud
The Kenya Bankers Association in turn launched a cost-shared Sh2.5 billion plan to migrate all banks to secure ATMs and plastic cards by September 30.
Nearly 11 million cards will be affected by the move, but some banks having already issued the new cards.

15. BYOD SECURITY ? Cloud computing ?

16. iPhone 5 Added to US Government Services
Sample
iPhone 5 Added to US Government Services
all Federal employees to utilize their PIV cards when accessing Government resources.

17. Sample
Samsung and LG on the Run to Integrate Inferior Fingerprint Technology into their Somewhat Smartphones ?

19. Smart Payment with Smart (Card + Phone) for Smart TV
1. Fingerprint / Iris
PKI ( OTP )
Matching On Card
Built in VPN PKI
NFC
RFID

20. One Stop Smart shop
Smart card + POS + ATM

21. Smart cards with an integrated fingerprint sensor
1. Fingerprint / Iris
PKI ( OTP )
Matching On Card
Embedded Fingerprint Sensing Device for ID Cards
The finger sensing device may be embedded into standard laminated identification (ID) cards. A finger sensing device that can image the user's finger through standard laminations used in smartcard and RF-ID card fabrication may now be economically built into those cards, using standard low cost card assembly processes.
By Patently Apple 2013
NFC
RFID

22. Biometric Security
Pay + Report + Transfer

23. Virtual Money ?

24. Internet Bank? - U.S. Senate hearing
Sample
Internet Bank? - U.S. Senate hearing

25. Hash ? Address ? Bitcoin payment Addresses
27-34 alphanumeric characters
Bitcoin functions using public-key cryptography, in which a pair of cryptographic keys, one public and one private, are generated.[24] In the case of Bitcoin, the public key functions as an address to which payments can be sent, and the private key acts as a safeguard; it must be presented when making a payment from an address. Because anyone with a private key can spend all of the bitcoins associated with its corresponding public key, securing and protecting is important to prevent theft, which has occurred on numerous occasions.[22] The practical day-to-day security of Bitcoin wallets remains an on-going concern.

26. Digital bank ?
The financial services industry is becoming what I call the BIT industry (banking, information and technology), where information, through technology, is transformed into knowledge. In this new world, banks should transform into “digital” banks, or rather into new forms of information services company.
A new financial ecosystem is being created. In two decades, we will go from 20,000 “analogue” banks today worldwide to no more than several dozen “digital” banks.

27. APP COMMERCE - Internet commerce ?
Sample
APP COMMERCE - Internet commerce ?
E - Wallet
USIM
Card Account
Bank Account
Bank Account
Bank Account
Bank Account

28. Mutual Recognition ?
National ID
PKI +
Data
Driver
License
Medical
e-Voting
Pension
Passport
ICAO
Tax
Physical
Access PC
Logon
Smart Phone
Public-key infrastructure (PKI) is a system for the creation, storage, and distribution of digital certificates for encryption, authentication and digital signature etc. (ITU standard)
e.g.: maximum supports 9 PKI keys (physically separated 9 different block for each )
3. e.g.: it’s compatible with the commercial Smartcard Framework (WSF) and supports applications such as Domain logon, VPN, , secure Web access, and wireless LAN authentication.

29. PKI – Bio digital signature solve ?
Each e-ID + Credit card like Nigeria case
Bit Coin + Internet Bank for Smart Wallet
Smart Phone App commerce
Smart card + Smart Phone + Smart TV
Smart Car + Smart Phone like Infotainment issue at CES 2014
Smart Phone with Smart Appliance
Automatic Container Tracking for Import/Export by WCO, US TWIC etc.
Smart Card for TAXI / Rent car Safety
Smart Home Commerce like Internet Commerce etc.

30. Next PKI for bio digital signature ?
Global Root CA for National eID?
UN Root CA ?
Smart Phone / Smart Card / Smart Car ?
ITU : PKI + Biometrics + Cloud etc.
ITU + ISO Standard body ?

31. Q&A “ Take chain of Mountain view ” Unho Choi
Ph.D., CGEIT, CRISC, ISO 27001, CISSP, PMP