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General description
Guaranteeing the security of electronic payments and financial transactions is the single most important requirement for banks. As a result, the migration to EMV cards (based on the liability shift mandate from MasterCard and Visa) is currently the key driver in the banking world.
Background information
Chip-based payment cards that comply with the EMV (Europay-MasterCard-Visa) standard provide greater security than today's magstripe cards. Using encryption algorithms such as DES, RSA and SHA, EMV-compliant cards employ Data Authentication technology to prevent counterfeiting. The EMV standard also includes an option for the use of Dynamic Data Authentication (DDA). With DDA, the smart card chip creates a unique signature for each transaction, a digital 'password' that no counterfeit card could generate. While DDA requires more powerful chips with an additional coprocessor, banks in a number of European countries have already adopted this option, or are already issuing DDA-enabled EMV cards.
Contactless payment and value-add services
As they replace their magstripe cards with smart cards, banks and credit card companies are also looking to provide added value to their customers - adding loyalty programs, digital signatures or e-ticketing to the cards. Providing enhanced convenience to the card user, contactless payment is also taking off, with all the major credit card companies (MasterCard, Visa and American Express) running pilot projects in America.
To support contactless payment, EMV and a wide range of value-added services, banks require smart cards with increasingly sophisticated and powerful chips designed specifically to meet these needs. As a leader in security, contactless smart cards and innovation, NXP offers a product platform covering the specific needs of financial service providers.
SmartMX
Supporting EE configurations from 9k to 72k, our advanced SmartMX family is designed for high-security smart card applications in high-volume, cost-sensitive markets that require highly reliable solutions. The SmartMX family contains the first triple interface device to hold Common Criteria (CC) EAL5+ certification and to go into volume production.
This platform has proven itself in high-volume major payment schemes. It supports both proprietary and open platform software solutions for card manufacturers and is also available with Java Card Open Platform for customers who do not wish to work with their own operating systems.
DDA encryption and extended services like home banking, e-commerce and electronic signatures can also be supported by cryptocontroller ICs in this family, which feature embedded FAMEX E crypto-coprocessors.