What is a Smart Card?
Definition: defined as any pocket-sized card
with embedded integrated circuits which can
Also called a chip card or integrated circuit
Smart Card History
Invented by German Spread throughout most of
scientist Helmut Gröttrup in Europe in the mid-1990’s.
1968. Although extremely popular
Patent approved in 1982. in Europe the technology is
First Mass production of just beginning to be widely
cards was for payment in used in the United States.
French pay phones.
Characteristics of Smart Cards
Resembles a credit card.
Inside of card contains a
Microprocessor is under
gold contact pad.
Primary Function of the Smart Card
Host and card reader
actually talk to one
enforces access to the
information on the card.
May have up to 8
kilobytes of RAM.
346 kilobytes of ROM
256 kilobytes of
16 bit microprocessor
Examples of Smart Cards
Credit Cards Loyalty Systems
Electronic Cash Banking
Computer Security Satellite TV
Wireless Communication Government Identification
Disadvantages to Smart Cards
Can be easily
Authorities and other
can use them as a
May take awhile to be
Smart Cards at USD
Laundry cards use smart card technology
Easily identified by gold plate
Put money into card dispenser
Amount is read by host (laundry machines)
Updated every time it is used to do laundry
USD Laundry Card
Different Types of Smart Cards
Three different types
Contact less Cards
The most common type Example
of smart card. Electrical USD laundry card
contacts located on the
outside of the card
connect to a card
reader when the card is
Contact Less Card
These are smart cards that Example
employ a radio frequency retail stored value, since
(RFID) between card and they can speed-up
reader without physical transactions and not lower
insertion of the card. Instead transaction processing
the card is passed along the revenues (i.e. VISA and
exterior of the reader and Mastercard), like traditional
These are hybrids that Example
employ both contact and An example card is a SIM
contactless technology in card for mobile GSM where
one card. Combi-cards can updates and security are
also contain two different downloaded to the phone
types of chips in contrast to
and dynamically changed.
a Dual-Interface card where
a single chip manages both