ACOS 10 PBOC 2.0 EDEP Card

Transcription

1 ACOS 10 PBOC 2.0 EDEP Card

2 1. Product Overview 2. Product Feature 3. Secure transaction 4. Product Application 5. Order Information 6. Q & A 2

3 3

4 ACOS10 (32KB EEPROM) PBOC 2.0 ED/EP Card Module Full-size card SIM-size card SAM card 4

5 1.2 PBOC File Structure PSE (3F00) EF DIR (2F00) FCI File (001E) Key File (0002) SE File (0003) ADF1 (DFA1) Pin File (0001) Key File (0002) SE File (0003) App. Data (EF15) ADF2 (DFA2) Pin File (0001) Key File (0002) SE File (0003) App. Data (EF15) Card Holder Data (EF16) Card Holder Data (EF16) PBOC File (EF18) PBOC File (EF18)

6 Product Features 6

7 What are the Key Specification of ACOS10 National Standard PBOC 2.0 ED/EP certified Multiple Applications High User Memory 32KB! International Standard Compliance ISO /2/3/4 File Structure: Supports Linear fixed record + Linear variable record + Cyclic file + Transparent file Protocol T=0 ISO contact module Strong Cryptographic Capabilities: DES + 3DES + SM-MAC + Secure Messaging SM-ENC Fast communication speed: 9, ,200 bps (switchable) Configurable ATR + Mutual Authentication w/ Session Key Generation 7

8 7 types of transactions Purchase Cash withdraw Load Unload Update Overdraw Limit Balance inquiry Read transaction Log Online/Offline Offline Offline Online Online Online Offline Offline PIN verify No Yes Yes Yes Yes Yes Yes 8

9 7 types of transactions Financial institution (Bank) Customer Savings Account Load Unload Load Purchase POS EP sub-account EP Balance : Online transactions : Offline transactions ED sub-account ED Balance (OL included) Purchase POS ATM Cash withdraw 9

10 10

11 Able to do ED/EP transaction securely Purchase Transaction (EP) IC CARD TERMINAL ISSUER Select DF PBOC Application Selection Read Binary Initialize for Purchase Read Cardholder Information Initiate the transaction OFFLINE Debit for Cash withdraw (MAC1) MAC2 Offline MAC1 generation Complete the transaction MAC2 verification 11

12 Able to do ED/EP transaction securely Cash withdraw Transaction (ED) IC CARD TERMINAL ISSUER Select DF PBOC Application Selection Read Binary Verify (PIN) Initialize for Cash withdraw Read Cardholder Information PIN Verification Initiate the transaction OFFLINE Debit for Cash withdraw (MAC1) MAC2 Offline MAC1 generation Complete the transaction MAC2 verification 12

13 Able to do ED/EP transaction securely Load Transaction (ED/EP) IC CARD TERMINAL ISSUER Select DF PBOC Application Selection Read Binary Verify (PIN) Read Cardholder Information PIN Verification Initialize for Load MAC1 Credit for Load (MAC2) TAC Initiate the transaction Online Request and Response Complete the transaction MAC1 MAC2 Card Authentication and Load Approval 13

14 Able to do ED/EP transaction securely Unload Transaction (ED) IC CARD TERMINAL ISSUER Select DF PBOC Application Selection Read Binary Read Cardholder Information Verify (PIN) PIN Verification Initialize for unload MAC1 Debit for unload (MAC2) MAC3 Initiate the transaction Online Request and Response Complete the transaction Online 2nd Request and Response MAC1 MAC2 MAC3 OK Card Authentication and Load Approval MAC3 verification 14

15 Able to do ED/EP transaction securely Update Overdraw Limit Transaction (ED) IC CARD TERMINAL ISSUER Select DF PBOC Application Selection Read Binary Verify (PIN) Read Cardholder Information PIN Verification Initialize for Update MAC1 Update OL (MAC2) TAC Initiate the transaction Online Request and Response Complete the transaction MAC1 MAC2 Card Authentication and Load Approval 15

16 Able to do ED/EP transaction securely Other Transaction: Get Balance (ED/EP) Only ED needs PIN verification Read Transaction Log (ED/EP) Requires PIN verification

17 17

18 In What areas can we apply ACOS10? Banking Card City all in 1 Card Transportation Card 社保卡 Insurance Card Highway card Micropayment Campus Card Petrol Card 18

19 ACOS10 Application sample *Every DF has a designated Security Environment (SE) file to defines the security condition of each application individually *Multiple Applicaton Card Issuer (Bank) E-Deposit Personal Info Petrol station Banking Card Transportation PBOC File PBOC File PBOC File

20 ACOS10 Application sample Student Card Application Information stored ACOS3/ACOS6 E.g.: Loyalty smart card 1.) Personal Info 2.) Prepaid value Secure messaging Online Top-up for load/unload ED/EP Online Authentication Purchase a) Transportation Season ticket Store master keys Generate diversify key Perform cryptographic functions b) Petrol Station Purchase

21 21

22 Products ACOS10-32-GP/0100 ACOS10-32-SIM-GP/0100 Description PBOC 2.0 ED/EP Card with 32KB EEPROM, glossy, PVC PBOC 2.0 ED/EP Card with 32KB EEPROM, plunge SIM size,glossy, PVC 22

23 23