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Smart Card Program Development

Your Trusted Partners in Business-Building Tools

The smart card is one of the latest additions to the world of information technology. Similar in size to today's plastic payment card, the smart card has a microprocessor or memory chip embedded in it that, when coupled with a reader, has the processing power to serve many different applications. As an access-control device, smart cards make personal and business data available only to the appropriate users. Another application provides users with the ability to make a purchase or exchange value. Smart cards provide data portability, security and convenience.

Smart cards actually offer more security and confidentiality than other financial information or transaction storage vehicles, making it a perfect solution for e-commerce transactions. A smart card is a safe place to store valuable information such as private keys, account numbers, passwords, or personal information. It's also a secure place to perform processes that one doesn't want exposed to the world, for example, performing a public key or private key encryption. Smart cards have computational or processing power to provide greater security, allowing verification of the cardholder. Entering a PIN is one method of verification, biometrics is another. The benefit of the smart card is that you can verify the PIN or fingerprint securely, off-line.

Smart cards contain unique features that bring many benefits to both consumers and issuing organizations:

Features Benefits
Security
  • Chip is tamper-resistant
  • Information stored on the card can be PIN code and/or read-write protected
  • Capable of performing encryption
  • Each Smart card has its own, unique serial number
Intelligence
  • Capable of processing, not just storing information
  • Smart cards can communicate with computing devides through a smart card reader
  • Information and applications on a card can be updated without having to issue new cards
Convenience
  • Chip is tamper-resistant
  • Smart cards provide a portable, easy to use form factor

With your application using smart card, operator could now retrieve the information that stored in the chip's memory. Users can simply review customers' profile, loyalty points or accrued balance and top up history and transaction records from the chip without accessing to the backend database.

In addition, security protection is crucial as only authorized personnel is allow to access to the system and is fully controlled by your management. On the other hand, the system must also verify that the smart chip is valid and being verified before proceeding the next possible action. CardBiz could assist you to design an identical security code for every smart card issued to cardholder and only valid security code will allow the transaction to be carried on. This will have to take into consideration of transaction time that is expected by the management.

By implementing your program via smart card solution, data transmission could be run under semi-online solution style where transactioin data will be kept in the computer memory to be downloaded to the back end server at a predetermined time frame. The smart card will carry information of cardholder indentity, card balance, previous top up value, and expiry date to perform all transactions without direct accessing to back end system.


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