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

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 Card Operating 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

6. 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
Native
EMV
Code
Native
Loyalty
Code
Native
EMV
Code
Native
EMV
Code
Native
Loyalty
Code
ROM
ROM
Proprietary OS A
Proprietary OS B
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

8. 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

9. 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

10. 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

12. Digital Signature