Multi-application smart cards have yet to realise their enormous potential, partly because few people understand the technology, market, and behavioural issues involved. Here, Mike Hendry sets out to fill this knowledge gap with a comprehensive and accessible guide. Following a review of the state-of-the-art in smart card technology, the book describes the business requirements of each smart-card-using sector, and the systems required to support multiple applications. Implementation aspects, including security, are treated in detail and numerous international case studies cover identity, telecoms, banking and transportation applications. Lessons are drawn from these studies to help deliver more successful projects in the future. Invaluable for users and integrators specifying, evaluating and integrating multi-application systems, the book will also be useful to terminal, card and system designers; network, IT and security managers; and software specialists.
Mike Hendry is a freelance consultant and industry expert on card and payments systems. He has many years of international experience in industry, was the technical and operations director of the UK Chip and PIN Programme, and is the author of several books.
Foreword; Acknowledgements; 1. Background; 2. When is a card multi-application?; 3. Smart card basics; 4. Biometrics; 5. Security and cryptography; 6. Card technology; 7. Readers and terminals; 8. Application selection: the ISO 7816 family; 9. JavaCard and GlobalPlatform; 10. Multos; 11. Other operating systems; 12. Card management systems; 13. Common business requirements; 14. Telecommunications; 15. Banking; 16. Transportation; 17. Government and citizens' cards; 18. Campus cards and closed user groups; 19. Organisation and structure; 20. Implementation; 21. Prognosis; Appendix A. Glossary; Appendix B. Further reading; Appendix C. Standards; References.