[...]... tables 16 .10 .3 Determining the data transmission rate 16 .10 .4 Sampling times for serial data 16 .10 .5 The most important smart card commands 16 .10 .6 Summary of utilized instruction bytes 16 .10 .7 Smart card command coding 16 .10 .8 Smart card return codes 16 .10 .9 Selected chips for memory cards 16 .10 .10 Selected microcontrollers for smart cards 985 994 10 30 10 30 10 31 1032 10 32 10 32 10 33 10 34 10 44 10 44 10 44 10 46... 600 600 612 6 21 628 630 638 650 652 11 Smart Card Terminals 11 .1 Mechanical Properties 11 .2 Electrical Properties 11 .3 Security Technology 11 .4 Connecting Terminals to Higher-Level Systems 11 .4 .1 PC/SC 11 .4.2 OCF 11 .4.3 MKT 11 .4.4 MUSCLE 655 660 663 665 667 667 6 71 672 672 12 Smart Cards in Payment Systems 12 .1 Payment Transactions using Cards 12 .1. 1 Electronic payments with smart cards 12 .1. 2 Electronic... (WIM) 13 .6 Public Card Phones in Germany 732 733 735 737 740 7 41 745 786 787 789 794 802 804 14 Sample Applications 14 .1 Contactless Memory Cards for Air Travel 14 .2 Health Insurance Cards 14 .3 Electronic Toll Systems 14 .4 Digital Signatures 14 .5 The PKCS #15 Signature Application 14 .6 The FINEID Personal Identification Card 14 .7 Tachosmart 811 811 814 819 822 833 840 840 15 Application Design 15 .1 General... Characteristic Data 15 .1. 1 Microcontrollers 15 .1. 2 Applications 15 .1. 3 System considerations 15 .1. 4 Compliance with standards 15 .2 Formulas for Estimating Processing Times 15 .3 Timing Formulas for Typical Smart Card Commands 15 .4 Typical Command Processing Times 15 .5 Application Development Tools 15 .6 Analyzing an Unknown Smart Card 15 .7 Life-Cycle Models and Process Maturity 15 .7 .1 Life-cycle models 15 .7.2 Process... Electronic money 12 .1. 3 Basic system architecture options 12 .2 Prepaid Memory Cards 12 .3 Electronic Purses 12 .3 .1 The CEN EN 15 46 standard 12 .3.2 Common Electronic Purse Specifications (CEPS) 12 .3.3 Proton 12 .3.4 The Mondex system 12 .4 The EMV Application 12 .5 The Eurocheque System in Germany 673 674 674 679 6 81 684 685 685 7 01 702 703 708 714 13 Smart Cards in Telecommunications 13 .1 Survey of Mobile... Systems 13 .1. 1 Multiple-access methods 13 .1. 2 Cellular technology 723 727 727 730 x Contents 13 .1. 3 Cell types 13 .1. 4 Bearer services 13 .2 The GSM System 13 .2 .1 Specifications 13 .2.2 System architecture and components 13 .2.3 Important data elements 13 .2.4 The subscriber identity module (SIM) 13 .2.5 General Packet Radio System (GPRS) 13 .2.6 Future developments 13 .3 The UMTS System 13 .4 Microbrowsers 13 .5... Specifications 16 .5 Coding of Data Objects 16 .5 .1 Data objects compliant with ISO/IEC 7 816 -4 16 .5.2 Data objects compliant with ISO/IEC 7 816 -6 16 .5.3 Data objects for chip manufacturers as specified by ISO/IEC 7 816 -6 16 .6 Registration Authorities for RIDs 16 .7 Selected RIDs 16 .8 Trade Fairs, Conferences and Conventions 16 .9 World Wide Web Addresses 16 .10 Characteristic Data and Tables 16 .10 .1 ATR interval 16 .10 .2... while the card is in use 4 91 4 91 493 498 510 511 517 520 5 21 9 Quality Assurance and Testing 9 .1 Card Body Tests 565 566 Contents 9.2 Microcontroller Hardware Tests 9.3 Evaluating and Testing Software 9.3 .1 Evaluation 9.3.2 Test methods for software 9.3.3 Dynamic testing of operating systems and applications ix 573 574 575 5 81 589 10 The Smart Card Life Cycle 10 .1 The Five Phases of the Smart Card Life... Process maturity 15 .8 The Course of a Smart Card Project 15 .9 Design Examples for Smart Card Applications 15 .9 .1 An electronic purse system for arcade games 15 .9.2 Access control system 15 .9.3 Testing the genuineness of a terminal 843 843 843 846 848 850 850 858 860 864 868 870 874 882 885 886 888 890 894 16 Appendix 16 .1 Glossary 16 .2 Related Reading 897 897 985 Contents xi 16 .3 Literature 16 .4 Annotated... Hardware Testing 7 .12 Commands for Data Transmission Protocols 7 .13 Database Commands: SCQL 7 .14 Commands for Electronic Purses 7 .15 Commands for Credit and Debit Cards 7 .16 Application-Specific Commands 435 439 442 450 452 453 457 462 468 474 474 477 4 81 482 486 489 490 8 Security Techniques 8 .1 User Identification 8 .1. 1 Testing a secret number 8 .1. 2 Biometric methods 8.2 Smart Card Security 8.2 .1 A classification . important smart card commands 10 47 16 .10 .6 Summary of utilized instruction bytes 10 51 16 .10 .7 Smart card command coding 10 53 16 .10 .8 Smart card return codes 10 56 16 .10 .9 Selected chips for memory cards. PC/SC 667 11 .4.2 OCF 6 71 11. 4.3 MKT 672 11 .4.4 MUSCLE 672 12 Smart Cards in Payment Systems 673 12 .1 Payment Transactions using Cards 674 12 .1. 1 Electronic payments with smart cards 674 12 .1. 2 Electronic. 652 11 Smart Card Terminals 655 11 .1 Mechanical Properties 660 11 .2 Electrical Properties 663 11 .3 Security Technology 665 11 .4 Connecting Terminals to Higher-Level Systems 667 11 .4 .1 PC/SC 667 11 .4.2