1. Electronic Commerce Smartcards
John Wordsworth
Department of Computer Science
The University of Reading
Room 129, Ext 6544
April 2002
3CSG1

2. Lecture objectives Describe the types of smartcard
Describe the kind of information that can be kept on a smartcard
Observe the wide range of specifications, vendors, and operating systems
Review the OpenCard framework
April 2002
3CSG1

3. What is a smart card? A plastic card with an embedded chip:
microprocessor + memory
memory chip with hard logic
Direct contact – gold plated contacts
Contactless – imbedded antenna
Combi card
Hybrid card
April 2002
3CSG1

4. What can you keep on it? Electronic cash Electronic wallet
Authentication information:
Biometric
Digital certificate
Medical information
Subscriber indentification (SIM)
Anything else
April 2002
3CSG1

5. Specifications Visa Open Platform EMV (Europay, Mastercard, Visa)
Security Identification Module
Various operating systems:
Manufacturers' own systems
Windows for Smart Cards
MULTOS
Java Card (Sun)
April 2002
3CSG1

6. OpenCard Framework (OCF)
Objectives:
Card terminal vendor independence
Card OS provider independence
Card issuer independence
Architecture and APIs (application programming interfaces)
CardTerminal layer
CardService layer
ApplicationManagement component
April 2002
3CSG1

7. Key points Smartcards have many uses in e-commerce.
There is a wide range of standards and specifications.
The OpenCard Framework provides an abstract view of a smartcard that can facilitate application development.
April 2002
3CSG1