Smart Cards

How a Magnetic Card Reader Works

A magnetic card is a rectangular plastic object (think credit/debit card) that contains either a magnetic object embedded within the card or a magnetic stripe on the exterior of the card. A magnetic card can store any form of digital data.

The electronic devices designed to read stored information from a magnetic card do so by either swiping the card through a slot in the reading device or holding the card next to a magnetic card reader. About a hundred bytes of information can be stored on...

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How a Smart Card Reader Works

Smart Card Readers are also known as card programmers (because they can write to a card), card terminals, card acceptance device (CAD) or an interface device (IFD). There is a slight difference between the card reader and the terminal. The term 'reader' is generally used to describe a unit that interfaces with a PC for the majority of its processing requirements. In contrast, a 'terminal' is a self-contained processing device.

Smart cards are portable data cards that must...

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Layout of Data on Magnetic Stripe Cards

Data is laid out on a standard magnetic card in three tracks. A magnetic stripe card may have any of these tracks, or a combination of these tracks.

Track 1 was the first track standardized. It was developed by the International Air Transportation Association (IATA) and is still reserved for their use. It is 210bpi with room for 79 7-bit characters.

Track 1 is encoded with a 7-bit scheme (6 data bits plus one parity bit) that's based on ASCII. If your reader does not perform the ASCII...

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Common Smart Cards

Common smart cards include:CardEEPROM StorageFeaturesSLE44181KBWrite protectSLE44281KBWrite protect, 2 byte security codeSLE4432256B32B write-once memorySLE4436221b24 bit ROM, 40 bit PROMSLE4442256B3 byte security code, 32B write-once memoryACOS1 - 1k1KBTriple DES, Authentication, 8 byte PINACOS1 - 8k8KBTriple DES, Authentication, 8 byte PIN

For more smartcards, check out the product offerings from vendors like Infineon...

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How a Smart Card Programmer Works

A smart card is a mini computer which requires programming to run. A smart card doesn't contain an interface-like display or keyboard, so smart card readers are used to read or update the data to\from smart cards. Smart cards contain an operating system which provides a platform to run applications.

Smart card operating systems can be divided into two categories.

The first kind of operating system is based on the Disk Drive approach. This operating system contains an active memory manager...

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Test Credit Card Numbers

These test credit card numbers are used for testing payment systems. All banks know to reject these transactions as invalid, without generating a security event.Credit CardTest NumberVisa4111 1111 1111 1111MasterCard5500 0000 0000 0004
5424 0000 0000 0015American Express3782 8224 6310 005
3400 0000 0000 009
3700 0000 0000 002Discover6011 1111 1111 1117
6011 0000 0000 0004
6011 0000 0000 0012Diner's Club / Carte Blanche3000 0000 0000 04en Route2014 0000 0000 009JCB3088 0000 0000 0009Special...

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Mondex Smart Card

Mondex is a specific smart card which was developed by England's National Westminster Bank in 1990. Its design was intended to serve as electronic cash or a virtual electronic wallet. Any amount of money can be transferred to the Mondex smart card. MasterCard international bought controlling interest in the resulting firm, Mondex International, in 1997 joining such companies as AT&T and Wells Fargo in the pursuit of this advanced technology.

The design of a Mondex smart card allows end...

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ISO 7816

ISO 7816 is the internationally accepted standard for smart cards. ISO 7816 is a family of standards primarily dealing with aspects of smart card interoperability regarding communication characteristics, physical properties, and application identifiers of the implanted chip and data.

The ISO 7816 family includes eleven parts which are in a constant state of flux as they are subject to revision and update. ANSI can be contacted to get the latest version of the 7816 standards. ISO 7816...

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Smart Card Software

A smart card contains an integrated circuit (IC) chip containing a central processing unit (CPU), random access memory (RAM) and non-volatile data storage. Data stored in the smart card's microchip can be accessed only through the chip operating system (COS). Smart cards provide a secure, portable platform for "any time, anywhere" computing that can contain and manipulate substantial amounts of data, especially an individual's personal digital identity.

Smart cards are a type of mini...

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ATM Skimmer

An ATM skimmer is a portable card reader that thieves attach to the front of a legitimate ATM (Automatic Teller Machine).

The ATM skimmer is disguised as a normal ATM card reader. ATM customers are tricked into inserting their ATM cards into the skimmer and entering their PIN codes on the keypads.

The keypads are either replaced, or a hidden camera is placed to record the customers PIN as it is entered on the keypad.

The ATM skimmer either stores the card data, or uses a wireless...

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