IN THIS ISSUE
`
`Concise Guide to Worldwide
`Implementations of GlobalPlatform Technology
`
`Australia New Zealand
`
`(ANZ) Bank
`
`Austrian Citizen Cards
`
`BC Card Project
`
`Cassis
`
`Citibank CitiSmart
`
`Daejeon Project
`
`Pg 1
`
`Pg 2
`
`Pg 2
`
`Pg 3
`
`Pg 3
`
`Pg 4
`
`Finnish National Smart
`
`Card Payment Program Pg 4
`
`First Investment Bank
`
`of Bulgaria
`
`First National Bank
`
`of Omaha
`
`KT Corporation
`
`Macau Special
`
`Administrative Region
`
`Mobile Banking Project
`
`Moscow Social Card
`
`Nordea Bank Finland
`
`Royal Bank of Canada
`
`Saudi Arabia’s King
`
`Fahd University
`
`Scotiabank Card
`
`SK Telecom (SKT)
`
`Smart Card Management
`
`System
`
`Sultanate of Oman
`
`Sumitomo Mitsui Card
`
`Pg 4
`
`Pg 5
`
`Pg 5
`
`Pg 5
`
`Pg 6
`
`Pg 6
`
`Pg 6
`
`Pg 7
`
`Pg 7
`
`Pg 7
`
`Pg 8
`
`Pg 8
`
`Pg 9
`
`Company, Limited
`
`Pg 9
`
`Taiwan Health Card
`
`Pg 9
`
`US Department of
`
`Defense
`
`US smart Visa
`
`Visa International
`
`VISA Wave
`
`Zero-Mass Project
`
`Pg 10
`
`Pg 10
`
`Pg 11
`
`Pg 11
`
`Pg 12
`
`2/04/2006
`
`Since its inception in 1999,
`GlobalPlatform has rapidly grown to
`become the leading worldwide smart
`card industry standards body, creat-
`ing, maintaining, and driving adop-
`tion of an open technology frame-
`work for the global deployment of
`smart card programs by service
`providers across all industries.
`
`GlobalPlatform technology for Over-
`The-Air (OTA) application download.
`Current figures for 2005 show the
`number of GlobalPlatform smart
`cards in circulation to exceed 75 mil-
`lion and GSM cards 650 million.
`These figures are expected to
`increase significantly over the next
`few years.
`
`GlobalPlatform's technical commit-
`tees have defined requirements and
`technology standards for smart
`cards, card acceptance devices and
`back-end systems, creating a foun-
`dation for future smart card growth.
`As of January 2002, there were in
`excess of 20 million GlobalPlatform
`smart cards in circulation across the
`world and an additional 200 million
`GSM cards that utilize
`
`Following are examples of
`GlobalPlatform's implementations in
`different industries and markets
`around the world, including the
`names of GlobalPlatform Member
`issuers and solution providers
`involved. Please refer to the
`GlobalPlatform website for additional
`information and featured case stud-
`ies on the implementation programs
`at: http://www.globalplatform.org.
`
`GlobalPlatform:
`Proven Technology
`Australia New Zealand
`(ANZ) Bank
`
`In November 2001, ANZ introduced
`its first branded GlobalPlatform
`credit cards, which deploy the
`GlobalPlatform Card Specification
`version 2.0, to upgrade one million
`existing ANZ First and ANZ Gold
`Visa credit cards to chip technology.
`The program also aimed to replace
`80,000 merchant credit card termi-
`nals with a new chip-enabled elec-
`tronic payment terminal network
`called MultiPOS.
`
`By the end of 2005, over 900,000
`GlobalPlatform cards have been
`issued to ANZ customers and
`approximately 50,000 terminals
`have been upgraded to MultiPOS,
`throughout Australia and New
`Zealand.
`
`The applications on the smart cards
`include EMV payment, chip loyalty/
`electronic coupons and secure e-
`commerce. The card can also be
`used in the 3-D Secure environment
`over the Internet for cardholder
`authentication.
`
`ANZ is the first bank in Australia to
`introduce a fully functioning, end-to-
`end chip technology system for cus-
`tomers and retailers. This project is
`effectively the first smart credit card
`system in Australia supported by
`chip-enabled merchant terminals.
`
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`By upgrading customer cards
`and replacing terminals, ANZ
`is putting in place the founda-
`tion for a broad-based intro-
`duction of chip cards in
`Australia.
`
`GlobalPlatform Member solu-
`tion providers involved in this
`project include Cards Etc.,
`Datacard Group, Giesecke &
`Devrient, Ingenico and
`Visa International.
`
`BC Card Project: Bell
`ID's ANDiS Management
`System
`
`BC Card, Korea's largest
`credit card issuer, selects Bell
`ID's ANDiS Management
`System for roll-out and man-
`agement of their multi-appli-
`cation smart card program.
`The ANDiS Management
`System supports the issuance
`and management of BC
`Card's multi-application EMV
`smart cards, whose underly-
`ing platform is based on MUL-
`TOS and GlobalPlatform tech-
`nology. Bell ID's ANDiS is the
`only Smart Card Management
`System (SCMS) that allows
`BC Card to effectively man-
`age approximately 17 million
`EMV-compliant credit cards
`for 11 Korean banks and
`credit card companies over
`the next three years. Since
`the live launch of this project
`in January 2005, BC Card has
`issued over 300,000 cards.
`
`Credit and debit are the initial
`on-card applications. Other
`applications such as electron-
`ic cash and transit are avail-
`able via the ANDiS Post-
`Issuance Personalisation
`(PIP). PIP is a service that
`enables card issuers and
`cardholders to add or delete
`
`Austrian Citizen Cards:
`Bell ID's ANDiS
`Management System
`
`In the first quarter of 2005, Bell
`ID's ANDiS Management System
`facilitated the issuance and man-
`agement of 8 million social insur-
`ance citizen smart cards in Austria.
`Based on GlobalPlatform Systems
`Technology, the new "e-card" sys-
`tem replaces the need to issue and
`process an annual 40 million current
`paper-based healthcare vouchers. In
`addition to the e-cards, ANDiS also
`issues and manages more than
`25,000 o-cards which are for
`authorized staff in doctors' prac-
`tices.
`
`Bell ID's web-based ANDiS
`Management System manages the
`complete life-cycle of all e-cards
`and o-cards with the integrated
`GlobalPlatform based Post-Issuance
`Personalization (PIP) functionality.
`This added feature not only allows
`cardholders to download and reload
`applications at a later date, but also
`enables the Main Association of
`Austrian Social Insurance
`Institutions to change on-card data
`via their own e-portal, the Karten
`Service Portal. In addition, the PIP
`feature assists the Karten Service
`Portal in allowing citizens to apply
`for and download digital certificates.
`
`Used as citizen cards, the new
`multi-application e-cards managed
`by the ANDiS solution, contain per-
`sonal cardholder data as well as up
`to four digital certificates for data
`security and verification of the card-
`holder's identity.
`
`GlobalPlatform Member solution
`providers for this project include
`Bell ID.
`
`on-card content via the internet and
`mobile handsets, and thus eliminates
`the need for BC Card to reissue the
`entire card base if and when changes
`occur.
`
`ANDiS involvement in BC Card pro-
`vides for leading edge SCMS with the
`greatest level of flexibility in the
`competitive banking market of South
`Korea. Cardholders use BC Card
`more often than any other cards in
`
`the market. As a result, BC Card has
`become the leading and largest
`credit card company in Korea that
`uses an effective SCMS. BC Card
`could further expand ANDiS through
`market movement such as loyalty
`and membership services.
`
`GlobalPlatform Member solution
`providers involved in this project
`include Bell ID.
`
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`Cassis: MobileMatrix
`Solution
`
`In 2004, Singapore based
`Cassis International launched
`its MobileMatrix solution that
`enables customers of SK
`Telecom, the #1 mobile
`phone service provider in
`South Korea, to download a
`credit application onto the
`SIM over-the-air. It's the
`world's first over-the-air
`download of an EMV payment
`application onto a USIM
`enabled 3G phone. The SIM
`card communicates with SK
`Telecom's back-office network
`and sends commands to drive
`the handset, allowing the
`mobile phone to act like a
`credit card. Customers can
`use the downloaded applica-
`tions to make purchases with
`their phones via infrared
`waves or radio frequencies at
`point-of-sale terminals
`equipped with dongles to
`accept the transmissions.
`
`Citibank CitiSmart
`
`In December 2001, Citibank
`launched a MasterCard brand-
`ed card in the US called
`CitiSmart. Citibank projected
`it would issue four million
`smart cards through the pro-
`gram.
`
`The CitiSmart card is a com-
`bination charge and revolving
`credit card, which enables
`cardholders to use the card to
`securely shop on the internet
`and make purchases in stores
`
`Standardized
`GlobalPlatform soft-
`ware on the cards
`and back-end sys-
`tems technology
`allow for secure
`downloads and
`keeps the applica-
`tions separate with
`security firewalls.
`This implementation
`of GlobalPlatform
`brings new func-
`tionality to the ubiquitous mobile
`phone and transforms its traditional
`use into a one-stop payment device.
`SK Telecom customers can decide
`the type of applications to be loaded
`into their handset, which include CAS
`(Conditional Access System) for DMB
`(Digital Multimedia Broadcasting
`through satellite) and T-Money
`(Public Transportation).
`
`MobileMatrix solu-
`tion. The
`GlobalPlatform tech-
`nology that makes
`the download, addi-
`tion, and post-
`issuance of applica-
`tions possible is the
`GlobalPlatform Card
`and Key
`Management
`Specification as well
`as the Smart Card
`Management Functional
`Requirements.
`
`The deployment of MobileMatrix to
`SK Telecom is the first eco-system
`that supports GlobalPlatform cards
`in the mobile environment and is the
`first remote personalization of a Visa
`EMV application into the 3G SIM
`cards.
`
`Today, over four million handsets
`support the "Moneta" m-commerce
`project, which can utilize Cassis'
`
`GlobalPlatform Member solution
`providers involved in this project
`include Cassis International.
`
`with a credit application stored on
`both the card's chip and magnetic
`stripe.
`
`Citibank's smart card functionality
`includes an EMV payment applica-
`tion, an electronic wallet that stores
`frequently visited website URLs and
`other data such as payment account
`numbers and shipping addresses as
`well as a loyalty application.
`
`GlobalPlatform Member solution
`providers involved in this project
`include: ActivCard, Datacard Group,
`MasterCard International and
`Axalto.
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`Daejeon Project
`
`In October 2003, Visa Cash
`and Hana Bank launched a
`project to transform the city
`of Daejeon into a "digital city"
`and issue GlobalPlatform
`smart cards with transit func-
`tions. The first phase of the
`project targets a customer
`base of 500,000 cardholders
`between the ages of 14-24.
`Hana Bank plans to issue
`multi-functioned cards to cus-
`tomers over the age of 18
`and single cash applet only
`cards to its customers under
`
`the age of 18. Both cards will carry
`the Visa Cash, membership, loyalty,
`ID, and Internet applications. Only
`the multi-function cards targeted at
`18 and over will carry the Visa
`Smart Debit Credit application.
`
`In addition to payment capabilities,
`the GlobalPlatform smart card will
`allow for personal portable storage
`capabilities in the area of online
`transaction certification, ID student
`cards, and medical card functions.
`
`Visa's role in the project is to pro-
`vide the e-purse system and servic-
`
`es, installing the infrastructure for
`Hana Bank, reloading the card, and
`coordinating with City Hall, Hana
`Bank, and other vendors. Hana Bank
`is responsible for issuing and per-
`sonalizing the cards, settlement,
`installing the infrastructure, and
`arranging for the system provider.
`City Hall is responsible for service
`planning, policy and regulation, and
`coordination.
`
`GlobalPlatform Member solution
`providers include IBM, Phillips
`Semiconductors, and Visa
`International.
`
`Finnish National Smart
`Card Payment Program
`
`Luottokunta is the leading
`payment card service compa-
`ny in Finland. In 2000,
`Luottokunta decided to imple-
`ment a smart card issuing,
`management and processing
`solution. The solution incor-
`porates an open systems
`technology that enables
`migration from single applica-
`tion EMV smart cards to
`multi-application
`GlobalPlatform smart cards.
`
`In the spring/summer of
`2005, Luottokunta plans to
`launch the first phase of its
`national smart card payment
`program - the first of its kind
`in Finland. Completion of the
`project is expected by end of
`2005. The smart cards will
`enable EMV payments and will
`provide a platform for issuing
`other applications such as
`government programs, ID,
`
`advanced loyalty and travel. Post-
`issuance capabilities are planned for
`2006. The initiative will support 1.5
`million cards.
`
`GlobalPlatform Member solution
`providers involved in this program
`include Datacard Group.
`
`First Investment Bank
`of Bulgaria: Bell ID’s
`ANDiS4EMV
`
`In September 2005, First
`Investment Bank, one of Bulgaria's
`fastest developing banks, imple-
`mented Bell ID's ANDiS4EMV solu-
`tion based on GlobalPlatform sys-
`tems technology to drive EMV com-
`pliance for the issuance and man-
`agement of its multi-application
`smart cards. The solution enables
`issuers, such as First Investment
`Bank, with the advantages of fast
`data preparation, cryptographic key
`management, EMV parameter man-
`agement, EMV scripting, Post
`Issuance Personalization (PIP), and
`a basic card management environ-
`ment for single application cards
`that can be migrated to multi-appli-
`cation cards in later phases.
`
`GlobalPlatform Member solution
`providers for this project include
`Bell ID.
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`First National Bank of
`Omaha
`
`First National Bank of Omaha
`became the fifth US Issuer to
`offer a Visa smart card,
`based on GlobalPlatform
`technology, in September
`2002. First National's smart
`card is branded smartOneSM
`and is issued with a free card
`reader and reader software
`to each cardholder account.
`Once the reader and software
`are installed on the cardhold-
`er's PC, with the card insert-
`ed in the reader, the card-
`holder retrieves a Passcode
`for the card.
`
`KT Corporation
`(formerly Korea
`Telecom)
`
`In association with a number
`of South Korean banks, KT
`Corporation, South Korea's
`largest telecommunications
`provider, has undertaken a
`program of issuing co-branded
`smart cards to subscribers,
`which initially include up to
`seven applications in the field
`of electronic payment (EMV
`credit/debit application and I-
`Cash electronic purse applica-
`tion), loyalty and ticketing.
`
`By doing so, KT Corporation
`becomes the first card issuer /
`telecoms provider to take the
`step away from magnetic
`stripe cards to offer its sub-
`scribers multi-application EMV
`smart cards in Korea.
`Currently 200,000
`GlobalPlatform cards are in
`circulation and the total pro-
`
`All First National smart cards also
`currently offer fileItSM Convenience
`Storage, a data storage application
`that the cardholder can use to store
`and port personal information.
`
`The data is kept secure by the same
`Passcode access the cardholder uses
`for web authentication. First
`National will continue to develop
`card features that will provide added
`value and conveniences for their
`smart card customers.
`
`GlobalPlatform Member solution
`providers involved in this program
`include Datacard Group, Gemplus,
`Oberthur Card Systems and Visa
`International.
`
`Macau Special Administrative
`Region (SAR) Project
`
`In 2003, the Macau Government's
`Identification Department (DSI)
`commissioned the distribution of
`multi-application, smart-card based
`identity cards to all of Macau's
`460,000 citizens, resident within the
`Chinese Special Administrative
`Region (SAR), with a target comple-
`tion date of 2007.
`
`In January 2003, distribution of the
`460,000 GlobalPlatform multi-func-
`tional cards began. The cards have
`built-in security features to prevent
`forgery, such as the use of finger-
`print matching for automated identi-
`ty verification. They also allow the
`uploading of other applications to
`
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`
`Upon subsequent visits to the Bank's
`website, the cardholder inserts their
`card and Passcode to authenticate
`the user to the site for secure online
`transactions.
`
`Currently the smartOneSM card
`incorporates the Visa smart debit &
`credit application (VSDC).
`
`jected number of cards to be issued
`under this scheme is estimated at
`10 million.
`
`In the third quarter of 2002, KT
`Corporation selected Bell ID's
`ANDiS Management System to
`enable the central life cycle man-
`agement of its EMV smart cards,
`applications and cryptographic keys.
`This Smart Card Management
`System (SCMS) from Bell ID has
`enabled KT Corporation to issue
`both GlobalPlatform and MULTOS
`cards with post issuance personal-
`ization capabilities, allowing card-
`holders to load or remove up to five
`additional applications from their
`card after it has been issued. KT
`Corp- oration has full control over
`all card, application and key-related
`processes, whereas application
`providers and legacy systems are
`connected to KT Corporation's cen-
`tral ANDiS Management System,
`running in a Unix environment.
`
`GlobalPlatform Member solution
`providers for this project include
`Bell ID.
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`realize Macau's e-govern-
`ment goals among others.
`
`The ultimate vision for the
`smart card is for it to serve
`as an all-in-one card com-
`bining, for example, ID
`card, driving license, stu-
`dent card, medical card,
`social security card and
`possibly e-purse functional-
`ity for secure electronic
`transactions.
`
`GlobalPlatform Member
`solution providers for this
`project include Bell ID,
`Giesecke & Devrient, and
`NEC.
`
`Mobile Banking Project
`
`In 2004, Korea launched a mobile
`banking initiative that allows citizens
`to perform bank related activities,
`such as money transfer and balance
`checking, with their handsets. All
`Korean telco companies and banks
`are all involved in this project which
`targets a customer base of 35 mil-
`lion citizens over time who will have
`the banking function incorporated
`into the handset.
`
`As of today, three million mobile
`subscribers are using this mobile
`banking function. The mobile bank-
`ing chip application is based on the
`GlobalPlatform Card Specification
`v2.0.1 and is embedded in
`
`Samsung, LG, Motorola and
`Pantech&Curitel handsets.
`
`This new service provides the telco
`companies with increased market
`share and profit as consumers are
`more likely to increase usage of
`their handsets. Visa reports that
`banks are also able to increase their
`market share and reduce costs by
`providing improved quality customer
`service and decreasing the need for
`direct customer care. The Korean
`telcos and banks will continue to
`support and promote the program
`throughout 2005.
`
`GlobalPlatform Member solution
`providers involved include Visa
`International and Phillips
`Semiconductors.
`
`Moscow Social Card
`
`In 2001, a joint initiative was
`launched between the Moscow
`Underground, the Bank of
`Moscow and various govern-
`ment departments, to issue a
`smart social card to over 3
`million Moscow citizens as a
`way of controlling the distri-
`bution of over 350 social ben-
`efits from the Moscow gov-
`ernment.
`
`The advantages of a smart
`card system would be to
`quickly and accurately distrib-
`ute benefits to Moscow resi-
`dents, aid the maintenance of
`a list of benefit recipients
`(including which benefits they
`are entitled to) and to reduce
`fraud and black market activi-
`ty.
`
`The current cards in the proj-
`ect contain travel applications
`on a contactless chip and
`payment and benefits applica-
`tions on the mag-stripe. A
`pilot was launched in the third
`quarter of 2003 to migrate
`from the current contactless
`and mag-stripe cards to a
`dual interface smart card uti-
`lizing contact and contactless
`
`chip technology. The dual-interface
`GlobalPlatform cards will enable EMV
`payment and benefits via the con-
`tact chip interface and transit via the
`contactless interface to further
`encourage cardholders to make use
`of the payment application on the
`card. The key applications on the
`card comprise metro ticketing/mass
`transit, health and medical insur-
`ance/pharmacies clinics, and medi-
`cine. The applications on the card
`will also provide access to govern-
`ment subsidies and discounts at
`specified retail stores.
`
`The initial pilot comprised 40K dual
`interface GlobalPlatform cards, and
`since these were successful, the
`cards have begun to be issued
`enMasse in September 2005, bring-
`ing the total number of Moscow
`Social cards to an estimated 4.5 mil-
`lion.
`
`GlobalPlatform Member solution
`providers for this project include
`IBM, Phillips Semiconductors and
`Visa International.
`
`Nordea Bank Finland
`
`In spring 2003, Nordea Bank in
`Finland became the first
`Scandinavian Bank to migrate to an
`EMV card program implementing
`GlobalPlatform technology in its
`migration. Nordea issued EMV cards
`based on GlobalPlatform's Card
`Specification 2.0 and Visa's EMV
`application, VSDC 2.4.0. The aim of
`this project was to reduce fraud, find
`a more secure card platform, and
`one that could handle the addition of
`applications at a later stage.
`
`It took two years for Nordea to
`migrate its entire card base into Visa
`Electron EMV GP cards on a normal
`monthly renewal basis. Through
`2005, Nordea has issued approxi-
`mately 630,000 cards to young con-
`sumers and corporate customers.
`
`GlobalPlatform Member solution
`providers involved on this project
`were Setec Oy and Visa
`International.
`
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`Saudi Arabia's King Fahd
`University: Bell ID’s ANDiS
`CMS/AMS & KMS
`
`In 2005, Saudia Arabia's King Fahd
`University implemented Bell ID's
`ANDiS Card and Application
`Management System (CMS/AMS)
`and Key Management System
`(KMS) solutions to manage over
`15,000 smart ID cards that have
`been distributed to students and
`staff at the University. This is the
`first smart card management sys-
`tem of its kind deployed in the
`Middle East region. Bell ID's
`CMS/AMS solution is based on the
`GlobalPlatform Smart Card
`Management System (SCMS)
`Functional Requirements and the
`ANDiS KMS solution is based on the
`GlobalPlatform Key Management
`Systems Functional Requirements
`Specification.
`
`The smart ID cards serve as identi-
`fication cards by providing a digital
`fingerprint for identity verification,
`which can be used for library appli-
`cations and for use of the universi-
`ty's medical center. They also fea-
`ture a contactless chip that includes
`e-purse functionality for electronic
`payments in cafeterias and restau-
`rants throughout the campus. The
`embedded chip's open electronic
`purse acts as prepaid stored value
`
`point-of-sale terminals as well as the
`common magnetic swipe terminals
`that most other merchants accept.
`The new chip card will authenticate
`the customer via a PIN instead of a
`
`Royal Bank of Canada
`Avion Card
`
`In June 2003, the Royal Bank
`of Canada (RBC) introduced
`an enhanced Avion VISA card
`that features GlobalPlatform
`chip technology. It is
`Canada's first nationally avail-
`able chip enabled VISA credit
`card.
`
`The chip technology will
`increase international credit
`card security for Canadian
`users and will incorporate
`travel and loyalty programs,
`for example allowing card-
`holders to redeem loyalty
`points for over 200 merchan-
`dise items, gift certificates
`and even cash vouchers for
`RBC registered rewards.
`
`GlobalPlatform Member solu-
`tion providers for this project
`include Gemplus, TSYS and
`Visa International.
`
`Scotiabank Card
`
`In November 2003,
`Scotiabank announced its
`partnership with Paymentech
`Canada to launch
`GlobalPlatform cards that
`contain a "chip" that is both
`protected by a Personal
`Identification Number (PIN),
`and will provide new and
`convenient payment options.
`
`In the pilot program, con-
`sumer participants will
`receive a chip card, which
`they can use at chip-enabled,
`
`and also allows for the download of
`digital certificates, securing transac-
`tions conducted on the web.
`
`In addition to the management of
`multi-applications, the use of
`GlobalPlatform systems technology
`in Bell ID's solution supports future
`applications like logical access con-
`trol and electronic voting for stu-
`dents. With the incorporation of
`Post-Issuance Personalization func-
`tionality, and the use of biometrics
`to access certain parts of the univer-
`sity building, the university can
`manage the complete life-cycle of all
`cards by adding, changing and
`deleting applications after the cards
`have been issued.
`
`GlobalPlatform Member solution
`providers for this project include Bell
`ID.
`
`signed transaction receipt.
`
`Paymentech Canada's participation
`in the pilot program includes the
`deployment of special chip-enabled,
`point-of-sale terminals to
`Paymentech merchants. In subse-
`quent phases of the pilot,
`Scotiabank and Paymentech plan to
`add additional payment options and
`enhancements.
`
`GlobalPlatform Member solution
`providers include Visa International.
`
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`

`

`SK Telecom (SKT)
`
`In conjunction with five South
`Korean Issuers, SK Telecom
`launched the Moneta Mobile
`Card at the end of 2001. The
`smart card is based on
`GlobalPlatform technology and
`supports several applications
`including EMV credit, Visa
`Cash e-purse, SKT member-
`ship functions and the SKT OK
`Cashbag loyalty application.
`In addition, the card contains
`a separate 'Mifare' contactless
`chip, which can be used for
`public transportation in Seoul.
`
`In this program, all cardhold-
`ers are issued with a mobile
`phone incorporating a full-size
`smart card slot, into which
`the cardholder can insert the
`
`Moneta card to make transactions
`over SKT's mobile network.
`
`As of March 2003, SKT has
`redesigned the phone, so that the
`cardholder can insert the SIM-size
`Moneta chip on the back of the
`phone to make transactions at the
`offline merchants. Since the serv-
`ice, known as Moneta, was
`launched, SKT installed 400,000
`'dongles' or contactless card readers
`and anticipate over 4.8 million
`handsets to be fitted with the pay-
`ment chip through the life of the
`program.
`
`For 2004, SKT has added a check
`card function to the existing chip
`and handset, which they anticipate
`will increase the demand for hand-
`
`Smart Card Management
`System - ACI’s Smart
`Chip Manager
`
`In 1996 ACI Worldwide creat-
`ed a Smart Card Management
`System, called ACI Smart Chip
`Manager, to manage multi
`application smart card
`schemes and to handle the
`large scale migration to the
`EMV global standard for their
`banking clients. In this imple-
`mentation, ACI's client
`requested for the implementa-
`tion of the GlobalPlatform
`Card Configurator and Script
`Builder Specifications, the
`Key Management System
`Functional Requirements and
`the Smart Card Management
`System Functional
`Requirements. (ACI is in the
`process of implementing the
`Profile and Scripting
`Specificationsv1.1.). In their
`migration to EMV, they made
`the decision to use the
`
`GlobalPlatform Systems technology
`as a future-proof solution to allow
`them to add applications to the card
`post-issuance.
`
`ACI's Smart Chip Manager allows
`issuers to track smart cards from
`the point at which they are person-
`alized in the production environ-
`ment, or at the point of sale through
`normal use, the downloading of data
`up to the point at which they expire
`and must be replaced. ACI imple-
`mented GlobalPlatform System tech-
`nology to be able to provide their
`clients with a modular approach to
`smart card management. The fol-
`lowing features describe this modu-
`lar approach:
`
`(cid:132) Managing different application life
`cycles on smart cards
`
`(cid:132) Managing post-issuance activities
`including post issuance of new
`applications to multi-application
`card schemes
`
`sets to 1.5 million. SKT also plans to
`incorporate Over-The-Air (OTA) per-
`sonalization and post-issuance
`download capabilities onto the card
`in the future.
`
`GlobalPlatform Member solution
`providers for this project include
`Gemplus, Phillips Semiconductors,
`and Visa International.
`
`(cid:132) Managing application parameters
`including EMV risk parameters in
`the field
`(cid:132) Minimizing credit risk and achieve
`cost savings through adjustable
`risk parameters
`
`(cid:132) Personalizing smart cards
`
`The ACI Smart Chip manager has
`been implemented in various indus-
`tries including Banking and
`Government.
`
`GlobalPlatform Member solution
`providers involved include ACI
`Worldwide Inc., Axalto,
`Cryptomathic, Datacard Group,
`Gemplus, Giesecke & Devrient,
`Infineon, MasterCard International,
`Oberthur, Sun Microsystems, Thales,
`and Visa International.
`
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`

`Sultanate of Oman
`National ID Card
`
`In October of 2002, the
`Sultanate of Oman and the
`Royal Omani police launched a
`project to deploy a
`GlobalPlatform smart card
`based national ID program to
`the 2.7 million citizens of
`Oman. This GlobalPlatform
`implementation is the first
`smart card based citizen ID
`solution ever to be deployed
`in the Middle East.
`
`The objectives of the
`GlobalPlatform identity solu-
`tion developed for the Royal
`Omani Police (ROP) is to mod-
`ernize the National Registry
`System, simplify and speed up
`administrative processes, pro-
`vide better qualitative public
`services to Omani citizens and
`
`Sumitomo Mitsui Card
`Company, Limited
`
`In October 2002, Sumitomo
`Mitsui Card Company Limited
`became the world's first
`Issuer to launch a
`GlobalPlatform smart card
`that enables new applications
`to be added to the card after
`card issuance. The innovative
`new service from the
`Japanese Issuer allows card-
`holders to download PC net-
`work access functions to
`GlobalPlatform multi-applica-
`tion smart cards. To down-
`load an application, cardhold-
`ers need only insert the card
`into a reader connected to
`their PC and enter an ID and
`password for cardholder iden-
`tification.
`
`Sumitomo Mitsui Card
`Company Limited expects
`strong demand for this type
`of card, due to the flexibility
`for card issuers to react to
`changing market conditions
`
`applications which include an identi-
`ty application, a drivers license
`application, and a border control
`application. This scope will be
`extended with a PKI application to
`secure e-Government applications.
`The ID cards also include biometric
`recognition that allows for verifica-
`tion by portable terminals and by
`automatic electronic validation, for
`example at airport immigration
`checkpoints.
`
`The first issuance of the Sultanate of
`Oman's national ID cards took place
`in January 2004. A nationwide roll-
`out is planned for the summer of
`2004 and a complete rollout for the
`entire population is planned for the
`next five years.
`
`GlobalPlatform Member solution
`providers for this project include
`Datacard Group, Gemplus, and
`Sagem.
`
`The smart cards used in the project
`utilize GlobalPlatform technology,
`specifically the GlobalPlatform Card
`Specification v2.0. It is the first and
`largest healthcare smart card project
`in the world.
`
`The cards are able to store up to
`32K of information related to health
`insurance programs, data concerning
`past medical services, details of the
`patient's public health administration
`and recent medical expenses.
`
`GlobalPlatform Member solution
`providers involved in this program
`include Giesecke & Devrient, Hitachi,
`Infineon and Sun Microsystems.
`Page 9
`
`residents, promote the usage of IT
`technology, and provide better
`Homeland Security.
`
`The contract to develop and launch
`the project was awarded to Gemplus
`who selected GlobalPlatform's secure
`Card and Systems technology to
`address the objectives and provide
`the best overall solution for the citi-
`zens of Oman.
`
`The national ID card supports three
`
`and cardholder needs without the
`expense and effort of re-issuing the
`card. The organization issued
`129,000 cards through 2005 and
`expects to issue approximately
`135,000 through 2006.
`
`GlobalPlatform Member solution
`providers involved in the project
`include Datacard Group, Axalto
`and Visa International.
`
`Taiwan National Health
`Insurance Card
`
`The Bureau of National Health
`Insurance of Taiwan (BNHI) began
`rolling out 22 million Integrated
`Circuit (IC) health cards to Taiwan
`citizens in July 2001, replacing its
`original paper-based system, which
`was accompanied by high fraud
`rates and high administration costs.
`The smart card solution will result in
`significant time and cost savings for
`the BNHI as well as greater trans-
`parency.
`
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`

`

`US Department of
`Defense
`
`In 1999, the US Department
`of Defense began work on a
`program to issue a smart,
`common-access identification
`card to 4.5 million active
`duty, Selected Reserve,
`Department of Defense (DoD)
`civilian and eligible contractor
`personnel with a target com-
`pletion date of April 2004.
`
`The Common Access Card
`(CAC), is a smart card stan-
`dard established by the
`Government Services
`Administration (GSA), a key
`purchasing arm of the US
`government, in conjunction
`with various military depart-
`ments. The CAC card utilizes
`GlobalPlatform technology to
`
`US smart Visa
`
`'smart Visa' is a multi-applica-
`tion smart card program,
`which was launched in
`September 2000. The smart
`Visa technology platform
`enabled Member banks and
`Merchant customers to com-
`bine traditional payment
`cards with value added appli-
`cations such as downloadable
`coupons, secure access to pri-
`vate internet information and,
`ultimately, the ability to
`dow