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Květen 2014 Co se stane s kartami ve světě chytrých věcí? Jan Němec.

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Presentation on theme: "Květen 2014 Co se stane s kartami ve světě chytrých věcí? Jan Němec."— Presentation transcript:

1 Květen 2014 Co se stane s kartami ve světě chytrých věcí? Jan Němec

2 Agenda 2 Smart cards Near Field Communication Host Card Emulation ISIS NFC case study Bluetooth Low Energy and Beacons Smart card and Internet of Things MůjCard and Fidesmo Smart Cards & Devices Forum 2014

3 Smart cards 3 Smart Cards & Devices Forum 2014

4 Smart cards/Secure elements - no news 4 Java Card Management of multiple contact/contactless interfaces Support for up to 20 logical channels Additional cryptography GP with amendments A, C and D Multiple TSM management Multiple Service providers Multiple NFC services NFC Type A and B Huge certification effort Common Criteria EAL4+ CAST and EMVCo FIME GP2.2 Smart Cards & Devices Forum 2014

5 Near Field Communication versus Host Card Emulation 5 Smart Cards & Devices Forum 2014

6 Overview of the different NFC modes 6 P2P Data exchange … Card emulation Payment Transport Access control … Reader Information … Requires NFC SE or specific adaptation to HCE Smart Cards & Devices Forum 2014

7 Secure Element versus HCE 7 Smart Cards & Devices Forum 2014

8 8 SE-based transaction HCE-based transaction Before HCE, Card Emulation transactions were isolated from the Host OS NFC Controller routing rules Smart Cards & Devices Forum 2014

9 Implicit vs Explicit Selection of Applications 9 Smart Cards & Devices Forum 2014

10 10 HCE ≠ SE HCE is only emulating the logic of an NFC smart card SE-Based Card Emulation Both Application and Credentials reside in a Secure Element UICC, embedded SE or secured µSD SE is about secure (i.e. extremely hard to break or clone) storage of sensitive data. Host Card Emulation (HCE): HCE Service runs on the Device OS Credentials can be stored anywhere In the rich OS In a TEE In the Cloud In a SE Where are credentials stored? Source: UL – HCE Security Webinar Jan 2014 Smart Cards & Devices Forum 2014

11 What use cases with or without SE? 11 Payment Transport Access Control Identity Secure P2P Ticketing Tag reading /info retrieval Device matching for P2P Use cases Possible with HCE but with security and compatibility limitations brands, 350 models 290 Android 270 UICC, 55 eSE, 35 HCE ~500 milion units 2017 ~1700 milions units Smart Cards & Devices Forum 2014

12 ISIS NFC case study 12 Smart Cards & Devices Forum 2014

13 Isis is a Joint Venture between 3 of the biggest US MNOs 13 Smart Cards & Devices Forum 2014

14 ISIS Mobile Wallet is now available nationwide! 14 Gemalto Confidential - Internal Use Only  Started as a pilot in 2 cities: Austin & Salt Lake City, in October 2012  National launch on November 14 th, 2013  A lot of incentives for users Smart Cards & Devices Forum 2014

15 68 Isis-ready phones available 15 Gemalto Confidential - Internal Use Only The Isis Wallet is also available on iPhone 4, 4S, 5 and 5S with the Incipio Cashwrap Isis Ready case. The Isis Wallet is now pre-loaded in 14 handsets. Smart Cards & Devices Forum 2014

16 Near Field Communication versus Bluetooth Low Energy 16 Smart Cards & Devices Forum 2014

17 Bluetooth Low Energy (BLE) 17 Smart Cards & Devices Forum 2014

18 BLE Beacons 18 Smart Cards & Devices Forum 2014

19 BLE versus NFC 19 Smart Cards & Devices Forum 2014

20 Wearable devices and Internet of Things 20 Smart Cards & Devices Forum 2014

21 SundayTimes newpaper article in Smart Cards & Devices Forum 2014

22 Chandan’s All-In-One Card desing in https://blogs.oracle.com/chandan/entry/the_all_in_one_card Smart Cards & Devices Forum 2014

23 23 Arduino Smart Cards & Devices Forum 2014

24 24 Smart Cards & Devices Forum 2014

25 PRINTOO 25 Printoo's modules will be thin and bendable. Smart Cards & Devices Forum 2014

26 26 Thin and flexible polymer solar cell. You can cut it into the shape you want! PRINTOO Smart Cards & Devices Forum 2014

27 27 Paper-Thin Electrochromic Screen PRINTOO Smart Cards & Devices Forum 2014

28 PRINTOO modules 28 Smart Cards & Devices Forum 2014

29 MůjCard 29 Smart Cards & Devices Forum 2014

30 MůjCard world values … 30 …for end users Access to more contactless service thanks to MůjStore with the apps Instant way to get, manage and use these service thanks to MůjManager …for service provides Ability to offer services small players at city/regional level have no chance to talk to MNO/handset vendor global players are not ready to agree and integrate with X+ MNOs/handset vendors Ability to offer services without need to provide own secure elements … for group users (corporations, government) Access to simple post issuance of their cards, which doesn’t exist today Simple/portable interface for their users merging usage and discovery experience … for MNOs not willing to join NFC wave Ability to offer an external SE as NFC equivalent to their end users (revenue share) … for MNO not ready to invest in expensive TSM infrastructure Quick access to SPs - giving an SD on NFC SIM (cheaper SIM or revenue share) Smart Cards & Devices Forum 2014

31 MůjCard world in pictures 31 MůjCard with MůjCardApps MůjStore Terminal with MůjManager Terminal accessing MůjCardApps ISO 7816 ISO HTTPS ISO 7816 ISO Smart Cards & Devices Forum 2014

32 MůjCard in pictures 32 MůjCard App #1 App #2App #3 App #n Admin Applet User auth Terminal auth Store auth Apps access control Apps registry Manager reference Smart Cards & Devices Forum 2014

33 MůjManager in pictures 33 Terminal MůjManager APDU communication module MůjCard communication service MůjStore discovery MůjStore communication module MůjCard discovery APDU script player Smart Cards & Devices Forum 2014

34 MůjStore in pictures 34 MůjStore Apps container Public Zones – public apps Restricted Zones – own apps Ap #1 Ap #n Ap #2 Users End user account #1 UZone #1 UZone #2 MůjCard #1 MůjCard #2 MůjCard #3 Group account #1 UZone #1 UZone #2 MůjCard #1 MůjCard #2 MůjCard #3 Group Zone #1 App #1 App #2 Smart Cards & Devices Forum 2014

35 MůjCardApps examples – public zones 35 MůjManager is separated from MůjCard UI / terminal apps End user offer – standalone apps NFC business card Secure storage – phonebook, passwords, pins, keys, etc. PC authentication Web authentication Bitcoin wallet End user offer – service provider apps Access – hotel keys, house keys, cinema, stadium, ski resorts, etc. Transport Car rental Couponing, Loyalty DRM – applications/games OTP, etc. Smart Cards & Devices Forum 2014

36 MůjCardApps examples – restricted zones 36 MůjManager can be merged with MůjCard UI / terminal apps Corporate offer Access apps NFC business card PC authentication Web authentication Signature/ciphering Proprietary payment – canteen, coffee and other machines Travel apps Goverment offer Digital signature Voting ID, Driving license, Health card, etc. Smart Cards & Devices Forum 2014

37 Fidesmo 37 Fidesmo wins MIFARE Award for the most innovative idea for new services. - Fidesmo Aims To Be The Only Card You Need For Public Transit (And Eventually, Anything Else). - you-need-for-public-transit-and-eventually-anything-else/ you-need-for-public-transit-and-eventually-anything-else/ Fidesmo, a technology startup connecting cards with mobile phones. They are just three guys, based in Stockholm and Madrid. - Smart Cards & Devices Forum 2014

38 Thank you! Jan Nemec


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