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Book - Report - On - Smart - Card
Book - Report - On - Smart - Card
Book Report
On
Smart Cards
ABSTRACT
In this seminar, is giving some basic concepts about smart cards. The physical and logical
structure of the smart card and the corresponding security access control has been discussed in
this seminar. It is believed that smart cards offer more security and confidentiality than the other
kinds of information or transaction storage. Moreover, applications applied with smart card
technologies are illustrated which demonstrate smart card is one of the best solutions to provide
and enhance their system with security and integrity. The seminar also covers the contactless
type smart card briefly. Different kinds of scheme to organise and access of multiple application
smart card are discussed. The first and second schemes are practical and workable on these days,
and there is real applications developed using those models. For the third one, multiple
independent applications in a single card, there is still a long way to go to make it becomes
feasible because of several reasons.
At the end of the paper, an overview of the attack techniques on the smart card is discussed as
well. Having those attacks does not mean that smart card is unsecure. It is important to realise
that attacks against any secure systems are nothing new or unique. Any systems or technologies
claiming 100% secure are irresponsible. The main consideration of determining whether a
system is secure or not depends on whether the level of security can meet the requirement of the
system.
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Table of contents
Sl No Contents Page No
1 Introduction 3
2 Physical Structure and Life Cycle 4
3 Life Cycle of a Smart Card 6
4 Logical Structure and Access Controls 6
5 Procedural Protection 9
6 Contact less smart cards 13
7 Multiple Application Smart Card Systems 17
8 Major application of smart cards 21
9 Attacks on Smart Card 22
10 Conclusion 24
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1. Introduction
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 come in two varieties: memory and microprocessor. Memory cards
simply store data and can be viewed as a small floppy disk with optional security. A
microprocessor card, on the other hand, can add, delete and manipulate information in its
memory on the card. Similar to a miniature computer, a microprocessor card has an input/output
port operating system and hard disk with built-in security features. On a fundamental level,
microprocessor cards are similar to desktop computers. They have operating systems, they store
data and applications, they compute and process information and they can be protected with
sophisticated security tools. The self-containment of smart card makes it resistant to attack as it
does not need to depend upon potentially vulnerable external resources. Because of this
characteristic, smart cards are often used in different applications, which require strong security
protection and authentication.
For examples, smart card can act as an identification card, which is used to prove the identity of
the card holder. It also can be a medical card, which stores the medical history of a person.
Furthermore, the smart card can be used as a credit/debit bank card which allows off-line
transactions. All of these applications require sensitive data to be stored in the card, such as
biometrics information of the card owner, personal medical history, and cryptographic keys for
authentication, etc.
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In the near future, the traditional magnetic strip card will be replaced and integrated together into
a single card by using the multi-application smart card, which is known as an electronic purse or
wallet in the smart card industry. The smart card is becoming more and more significant and will
play an important role in our daily life. It will be used to carry a lot of sensitive and critical data
about the consumers ever more than before
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circuit protects the circuit chip from mechanical stress and static electricity. Communication with
the chip is accomplished through contacts that overlay the printed circuit.
The capability of a smart card is defined by its integrated circuit chip. Typically, an integrated
circuit chip consists of a microprocessor, read only memory (ROM), no static random access
memory (RAM) and electrically erasable programmable read only memory (EEPROM) which
will retain its state when the power is removed. The current circuit chip is made from silicon
which is not flexible and particularly easy to break. Therefore, in order to avoid breakage when
the card is bent, the chip is restricted to only a few millimeters in size.
Furthermore, the physical interface which allows data exchange between the integrated circuit
chip and the card acceptor device (CAD) is limited to 9600 bits per second. The communication
line is a bi-directional serial transmission line which conforms to ISO standard 7816/3. All the
data exchanges are under the control of the central processing unit in the integrated circuit chip.
Card commands and input data are sent to the chip which responses with status words and output
data upon the receipt of these commands and data. Information is sent in half duplex mode,
which means transmission of data is in one direction at a time. This protocol together with the
restriction of the bit rate prevent massive data attack on the card.
In general, the size, the thickness and bend requirements for the smart card are designed to
protect the card from being spoiled physically. However, this also limits the memory and
processing resources that may be placed on the card. As a result, the smart card always has to
incorporate with other external peripherals to operate. For example, it may require a device to
provide and supply user input and output, time and date information, power and so on. These
limitations may degrade the security of the smart card in some circumstances, as the external
elements are untrusted and precarious.
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More important, the system area may contain different security keys, such as manufacturer key
or fabrication key (KF), and personalization key (KP). All of this information should be kept
secret and not be revealed by others.
Hence, from the manufacturer to the application provider, then the card holder, the production of
a smart card is divided into different phases. Limitation on transfer and access of data is
incremental at different phases in order to protect different areas in the smart card. There are five
main phases for a typical smart card life cycle. We will discuss each of them below.
After a smart card is issued to the consumer by the application provider, the protection of the
card will be controlled by the application operating system mainly. Physical addressing mode of
accessing data is no longer available. Access of data has to be done through the logical file
structure on the card. This section will discuss how the operating system accomplishes the
security protection of the data stored on the card by examining the logical file structure and the
corresponding access controls of a smart card.
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In smart card terminology, the root or master file (MF), besides the header part which consists of
itself, the body part contains the headers of all of the dedicated files and elementary files which
contain the MF in their parental hierarchy. The dedicated file (DF) is a functional grouping of
files consisting of itself and all the files which are immediate childs of the DF. The elementary
file (EF) simply consists of its header and the body which stores the data.
The ways that the data is managed within a file differ and are dependent on different operating
systems. Some of them may manage the data simply by offset and length, while the others may
organise data in fixed or variable lengths of records such as Global System for Mobile
Communication (GSM) system. In any cases, the file must be selected before performing any
operations. This is equivalent to opening a file.
The logical access and selection mechanisms are activated after the power is supplied to the card
while the master file is selected automatically. The selection operation allows movement around
the tree. It can be descending by selecting an EF or a DF, or it can be ascending by selecting a
MF or DF. Horizontal movement can be done by selecting an EF from another EF as well.
After the success of selection, the header of the file can be retrieved, which stores the
information about the file such as identification number, description, types, size, and so on.
Particularly, it stores the attribute of the file which states the access conditions and current status.
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Access of the data in the file depends on whether those conditions can be fulfilled or not. This
will be described in the following section.
In short, the file structure of the smart card operating system is similar to other common
operating systems such as MS-DOS and UNIX. However, in order to provide greater security
control, the attribute of each file is enhanced by adding accessing conditions and file status fields
in the file header. Moreover, file lock is also provided to prevent the file being accessed. These
security mechanisms and algorithms provide a logical protection of the smart card.
At this moment, all the files require that PIN will be blocked and unaccessible. Unblocking has
to be carried out with the knowledge of the correct PIN and a specific unblocking PIN stored in
the card. Still, if an invalid unblocking PIN is presented consecutively and up to a particular
number of times, the unblocking PIN will be blocked as well. Then both of the PIN and the
unblocking PIN will be invalidated and are no longer to be restored. This is called an irreversible
blockage. Some of the systems may even invalidate the whole card in order to prevent further
attacks.
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5. Procedural Protection
After an overview of the physical and logical protection given by the smart card, its time to look
at how we can make use of the smart card to protect and secure our systems in the real life.
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Because of the on-board computing power of the smart card, it is possible to achieve off-line
transactions and verifications. For instance, a smart card and a card acceptor device (CAD) can
identify each other by using the mutual active authentication method. Moreover, data and codes
stored on the card are encrypted by the chip manufacturer by using computational scrambling
encryption, which makes the circuit chip almost impossible to be forged. All of these features
together with the protected access control are discussed in the previous section.
Today, smart cards are being used in different areas because they can be used together with other
technologies, such as asymmetric cryptographic algorithms and biometrics identification, to
provide highly assured and trusted applications. This section discusses three particular areas
where demonstrated how different systems can make use of the smart card to enhance their
securities.
The smart card probably is the best solution to solve this problem. Printed information and
photographs can be digitised and stored into the card. By setting up the access condition and
password on files, only authorised persons or authorities, such as government departments, are
allowed to access the information. Moreover, together with the biometrics technology,
biometrics information of the card holder can be placed on the card, so that the smart card can
corporate with biometrics scanner to identify or verify whether the card is owned by the card
holder or not. This significantly improves the reliability of the document the smart card carries.
The operation procedures could be similar to the traditional paper based identification system.
However, instead of verifying the documents by observation of an inspection officer, a card
acceptor device will be used. The device which contains the authorised code and PIN can unlock
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the file and retrieve the owner’s information for verification. In the case when biometrics is used,
the user can be authenticated by placing the required portion of his/her body onto a biometrics
reader, the data collected by the reader can be used to compare with the one in the card.
Nowadays, many organisations or governments in different countries already have research on
this issues. For example, many airlines intend to develop their electronic tickets by using smart
cards which co-operate with the baggage handling system in some airports. The smart card
typically stores the passenger’s flight details such as name, seat number, flight number, baggage
details and so on. This helps to verify correct passenger checked-in and identify the owner of
baggage in case of lost or unclaimed baggages. More importantly the system may help to identify
criminals and terrorists.
In summary, it is anticipated that using the smart card as an identification document will be the
future trend replacing traditional paper-based certificates. Information stored on the card about
the owner will be increasing and becoming more and more sensitive. Therefore, the current
access control system based on PIN presentation may not be secure enough. It is suggested that
the card operating system may have to co-operate with some kind of authentication algorithms to
protect all the files or even the whole system.
Kerberos is one of the systems which provides trusted third-party authentication services to
authenticate users on a distributed network environment. Basically, when a user or client
requests an access to a particular service from the server, he/she has to obtain a ticket or
credential from the Kerberos authentication server (AS). The user then presents that credential to
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the ticket granting server (TGS) and obtains a service ticket. Hence, the user can request for
service by submitting the service ticket to the desired server. Figure 3 shows this authentication
protocol.
Having this protocol, the server can be assured offering services to the correct client who is
entitled to have access. This is because Kerberos assumed that only the correct user can use the
credential as others do not have the password to decrypt it. And also because of this, a user can
actually request the credential of others. That is, the user is not authenticated at the beginning
stage.
In this way, an attacker can obtain the credential of another user, and perform off-line attack by
using a password guessing approach as the ticket is sealed by password only. The whole idea is
to enhance the security of Kerberos authentication by authenticating the user directly at the
beginning and before the granting of the initial ticket, so that one user cannot have the ticket of
another. And, the use of smart card requires user logging into the system not only recall a
password, but also to be in possession of a token.
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nature of personal computers is lack of security protection on their system, especially the system
areas such as the boot sector of a hard disk or floppy. They are allowed to be modified by anyone
without any protection; this causes the possibility of infection by computer virus. In the present
days, a personal computer is powerful enough to take the place of mini-computers to act as a
network server, but its single-user nature has not changed and this has caused the problem to
become more serious.
A boot integrity token system (BITS) is introduced which make use of smart card technology to
protect the operating system. The basic idea is that the host computer is booted actually from a
smart card or it requires critical information from the card to complete the boot sequence. So that
even if an attacker can gain physical access to the hardware, it is impossible to guarantee system
integrity.
The smart card is configured to require user authentication prior to the data access. During
system startup, two authentications have to be performed before the completion of boot
sequence. At first, the user is authenticated to the smart card by means of a password. And then
the host authenticates the card by reading the shared secret from the card. After both of them are
matched, host reads boot section information from the smart card and completes the boot
sequence. Then the PC operates as normal.
The smart card can also store the checksum of critical data and executable programs. It is
effective against virus by validating files integrity rather than scan for known virus signatures. In
general, the use of smart card here enhanced the security of the computer by utilising the
inherent secure storage and processing capabilities.
Smart cards have two different types of interfaces: contact and contactless. Contact smart cards
are inserted into a smart card reader, making physical contact with the reader. However,
contactless smart cards have an antenna embedded inside the card that enables communication
with the reader without physical contact. Recently, card manufacturers have developed "combi"
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cards, which offer the functionality of both contact and contactless technology. A combi card
combines the two features with a very high level of security.
Contactless smart cards offer advantages to both the organization issuing the card and the
cardholder. The issuing organization can support multiple applications on a single card,
consolidating an appropriate mix of technologies and supporting a variety of security policies for
different situations. Applications such as logical access to computer networks, electronic
payment, electronic ticketing and transit can be combined with physical access to offer a multi-
application and multi-technology ID credential. The issuer can also record and update
appropriate privileges from a single central location. The organization as a whole incurs lower
maintenance costs over the system life, due to the elimination of mechanical components and
reader resistance to vandalism and harsh environmental conditions. With hybrid and dual-
interface cards, issuers can also implement systems that benefit from multiple card technologies.
Contactless smart card technologies offer security professionals features that can enhance
systems designed to control physical or logical access (i.e., access to networks or other online
resources). Contactless cards differ from traditional contact smart cards by not requiring physical
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connectivity to the card reader. The card is simply presented in close enough proximity to the
reader and uses radio frequencies (RF) to exchange information. The use of contactless
technologies is particularly attractive for secure physical access, where the ID credential and
reader must work in harsh operating conditions, with a high volume of use or with a high degree
of user convenience. For example, consider the use of a contactless card to control access to
public transportation. The card can be presented to the reader without having to be removed from
a wallet or purse. The fare is automatically deducted from the card and access is granted. Adding
funds through appropriate machines at transit centers or banks then refreshes the card. The
process is simple, safe, and accurate.
Wired logic cards have a special purpose electronic circuit designed on the chip and use a fixed
method to authenticate themselves to readers, verify that readers are trusted, and encrypt
communications. Wired logic cards lack the ability to be modified after manufacturing or
programming.
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signatures) and interact intelligently with the card reader. Contactless MCU cards also have
greater memory capability and run card operating systems (for example, JavaCard or MULTOS).
Both hybrid and dual-interface contactless cards are becoming available. On a hybrid card,
multiple independent technologies share the common plastic card body but do not communicate
or interact with each other. For example, one card could carry a magnetic stripe, bar code, 125
kHz technology, picture ID, contact smart card module and either ISO/IEC 14443 or ISO/IEC
15693 contactless smart card technology. The advantage of a hybrid card is that existing installed
systems can be supported, while new features and functionality can also be offered through smart
card technologies. A dual-interface card includes a single chip with both contact and contactless
capabilities. Contact and contactless technologies can therefore be implemented on one card,
each addressing the application requirements most suited to its capabilities and sharing the same
data.
Hybrid and dual-interface technologies are complementary and, with thoughtful implementation,
transparent to the end user. With current technologies, security system designers can implement
an architecture that includes multiple ID credential technologies. This creates a significant
opportunity for more efficient credential management, improved user convenience, and easier
administration of multiple security policies and procedures. Through the use of the appropriate
card technology, cryptography, and digital signatures, logical access control can be incorporated
into networks and databases. And because the credential is a plastic card, it also supports the use
of pictures, logos, visual inspection information, holograms, digital watermarks, microprinting,
and other security markings to deter counterfeiting and impersonation. A single card is also more
efficient for the user, simplifying coordination for changes, reducing memorization for
complicated passwords or personal identification numbers (PINs), and decreasing the time for
authentication.
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and other harsh environmental conditions. With no mechanical reader heads or moving parts,
maintenance costs are minimized. Finally, with read ranges that can extend to many inches,
contactless technology offers the user the convenience of “hands free” access. The key benefits
of using contactless smart card technology for physical access are summarized below.
• High speed of access and high throughput
• Useable in harsh or dirty environments
• User friendly
– Less intrusive
– Does not require insertion of the card into the reader
– No issues with orientation of the card
– May be kept in wallet or purse for personal security during use
• Same high level of security as contact smart cards (e.g., digital signatures)
• Protected storage of data on the card
• Flexibility to incorporate multiple applications with different modes
– Contactless only card
– Dual interface contact/contactless card
– Hybrid card that includes 125 kHz technology, 13.56 MHz technology, magnetic stripe,
barcode, hologram, photo, and other card security features.
– Dual interface contact/contactless card that includes 13.56 MHz technology, magnetic stripe,
barcode, hologram, photo, and other card security features
• Reduced maintenance costs for card readers (as compared to magnetic stripe and contact card
readers)
• Reduced vandalism of readers
• More durable and reliable cards (no external parts that can wear out or be contaminated)
• Well-suited to accommodate local security staffing, training and implementation
• Established international standards (ISO/IEC)
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history and insurance information, and the electronic identification card which control access to
data and facilities, etc. All of these applications are stored in different smart card systems
separately, and lead to the same situation and problem as with the traditional magnetic stripe card
system which require users to carry multiple cards for multiple applications.
In fact, as mentioned above, the smart card has the capability to integrate those applications
together to form a multiple application card by utilising its embedded microprocessor and
memory storage spaces. However, this kind of integration is always limited by some of the
external logical elements rather than technical issues. For instance, in single application card
system, data stored in the card or even the card itself always belongs to the card issuer. In the
case of more than one application residing in a single card, this becomes impractical.
Moreover, we also have to consider how to partition the memory spaces for different
applications, and manage the rights and privileges of data accessing. This also relates to data
directory configuration and securities between each of them. Furthermore, the ability for
applications to communicate or share data between each others is another important concern
which may affect the whole design of the system and its operability.
Therefore, based on the natures and purposes of different applications, we discuss three different
kinds of infrastructure of multiple application smart card systems. The first one is minor
applications which co-operate with a dominant application. The second one will be the
integration of multiple applications under a single specification. At last, multiple independent
applications installed on a single card will be taken into an account.
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Technically, this can be done by placing minor applications under different sub-directories or
functional groups which are below the dominant application directory. Dedicated files (DFs) can
be used to separate and organise applications. Figure 3 displays the structure and organisation of
memory spaces inside the smart card.
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and secure. However the relationships between each minor applications should be treated as
untrusted entities. Hence transfer of data between minor and dominant application should be
made under a exclusive channel in order to prevent wire tapping. The data sharing between
minor applications should be accomplished by establishing another exclusive channels under
another co-operative scheme.
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the smart card operating systems, is the cryptographic facilities. They provide encryption and
decryption of data for the card; some of them can even be used to generate cryptographic keys.
The secret of the cryptographic algorithm, the keys stored, and the access control inside the
smart card become the targets of attackers. Nowadays many companies and cryptographers
claime to be able to break the smart card and its microcontroller. Some of them perform logical
non-invasive attacks, some of them attack the card physically while others just prove their
success by mathematical theorems.
The first two briefly and examine how the attacks are achieved. For the third one, since their
attacks are theoretical and relate to a lot of complicated mathematical calculations and formulas
is not discussed here.
For example, a widely known attack of PIC16C84 microcontroller is that the security bit of the
controller can be clear with erasing the memory by raising the voltage VCC to VPP - 0.5V. An
attack on DS5000 security processor is another example. A short voltage drop can release the
security lock without erasing the secret data sometimes. Low voltage can facilitate other attacks
as well, such as an analogue random generator used to create cryptographic keys will produce an
output of almost all 1’s when the supply voltage is lowered slightly.
For these reasons, some security processors implemented sensors which will cause an alarm
when there is any environmental changes. However, these kinds of sensors always causes false
alarm due to the occurrence of fluctuations when the card is powered up and the circuit is
stabilising. Therefore this scheme is not commonly used.
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There are many different ways to perform physical attacks. For instance, erasing the security
lock bit by focusing UV light on the EPROM, probing the operation of the circuit by using
microprobing needles, or using laser cutter microscopes to explore the chip, and so on. However,
these kinds of attacks are only available for well funded laboratories as the costs associated are
considerably high. As the technology advances quickly, manufacturers update and enhance their
products constantly. Therefore, as soon as the hackers find ways of hacking the system, the
problems could be solved by the new generation of technology
10.Conclusion
It is believed that smart cards offer more security and confidentiality than the other kinds of
information or transaction storage. Moreover, applications applied with smart card technologies
are illustrated which demonstrate smart card is one of the best solutions to provide and enhance
their system with security and integrity.
Finally, it is concluded that the smart card is an intrinsically secure device. It is a safe place to
store valuable information such as private keys, account numbers, and valuable personal data
such as biometrics information. The smart card is also a secure place to perform off-line
processes such as public or private key encryption and decryption. The smart card can be an
element of solution to a security problem in the modern world.
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References
Electronics Today 07/2004
www.smartcardforum.org
www.gemplus.com
www.seminarsonly.com
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