1. Multicomponent Cards - Actual Status and Upcoming Technologies ICMA – Spring Workshop 2007 Rome, 18th – 19th April Presented by: Thies Janczek

2. COCASO1 April, 18th 2007 ICMA Workshop, Rome Content  Introduction  Markets and Application  Component status  Card Production Considerations  Summary

3. COCASO2 April, 18th 2007 ICMA Workshop, Rome Introduction  Early 60sPlastic Cards started  Early 80sChip Cards with Memory Chip  Mid 80sProcessor Cards  Early 90sGSM SIM Cards  Late 90sOpen Platform OS  TodayRapidly increasing Memory Various Open Platform OS Cryptographic Means Dual Interface Cards Increasing complexity

4. COCASO3 April, 18th 2007 ICMA Workshop, Rome Introduction  Increasing number form factors due to contactless technologies E.g. token, minicards  Integration of Electrical Functional Components Battery, Display, Solar Power Unit, Switch, Sensors (e.g. Biometric) etc. Project driven  Customizing Standard products are being defined Low Volume and High Costs (decreasing)

5. COCASO4 April, 18th 2007 ICMA Workshop, Rome Markets and Application Fields of MULTICOMPONEN T CARD MULTI MEDIA (huge memory, sound…) AUTHENTICATION (RFID long range, sensors…) ACTIVE SECURITY (Tamper proof ) Physical (Radiation,°C…) TRACABILITY, Medicine DEFENSEACCESS CONTROL (Biometric, password) LOYALTY, E-purse (Balance, prepaid ) Cosmetic/Packaging (Sound, Physical measurement…)

6. COCASO5 April, 18th 2007 ICMA Workshop, Rome Markets and Applications  Higher level of trust  User friendly interface  Make the card a full-fledged secure, autonomous computer + =

7. COCASO6 April, 18th 2007 ICMA Workshop, Rome Markets and Application Governmental projects  Federal Financial Institutions Examination Council (FFIEC) requires dual factor authentication for electronic financial transactions  Government Homeland Security Presidential Directive (HSPD) 12 FFIEC, “Authentication in an Internet Banking Environment,” Oct 12, 2005

8. COCASO7 April, 18th 2007 ICMA Workshop, Rome Markets and Application End user considerations  Smart cards do not yet meet all users’ expectations efficiently enough to break barriers related to end user perception. The demand trends towards for: Multi-application cards Higher levels of TRUST (security and control over data privacy) And more user friendly interfaces

9. COCASO8 April, 18th 2007 ICMA Workshop, Rome Markets and Application End user considerations « SEE WHAT I DO» whenever / wherever I want:  the balance of the e-purse,  to select an option e.g. ticket from the transport ticketing application,  or to verify the personal data stored in owners health card, loyalty card or ID card application.  Off-line and contactless personal information to receive. ……

10. COCASO9 April, 18th 2007 ICMA Workshop, Rome Status of Components  DISPLAY  KEYPAD  SWITCH  BATTERY  RELOADABLE B.  ANTENNA  DIODES  SENSORS  BIOMETRIC SENSOR  SOLAR POWER UNIT  DATA STORAGE  COMPUTING

11. COCASO10 April, 18th 2007 ICMA Workshop, Rome Status of Components Display  DISPLAY: Various manufacturer are promoting their finished, available products:  CITALA, SMARTDISPLAYER, SiPix, PHILIPS, ALIEN, MICROD, AVESO, SOFTPIXEL, E-ink, Gyricon, Kent Displays etc. Display batches are varying in incoming control. Very low capability to produce in volume, planning, quality Risk level is very high © AVESO

12. COCASO11 April, 18th 2007 ICMA Workshop, Rome Status of Components Keypad / Switch  Technology is widely available  Various solutions employed Metal domes Silicone pad with conductive element Anisotropic switch materials (e.g. piezzo effect)  Card material is part of the switching element

13. COCASO12 April, 18th 2007 ICMA Workshop, Rome Status of Components Battery primary/secondary  BATTERY Supplier 2 reliable volume supplier in the world. 1  In Europe (VARTA)  In US (SOLICORE). The others are still under development.(Panasonic, Stone, SAFT, NTK, Excelatron etc.) Qualifications are launched. Batch variations must be solved. Risk level is moderate to high

14. COCASO13 April, 18th 2007 ICMA Workshop, Rome Status of Components Antenna / Conductive path  Various technologies are employed Printing of conductive paste Etching of Aluminium or Copper Wire embedding technologies  Interconnection to the components has to be reliable Welding Gluing Elastic conductive materials

15. COCASO14 April, 18th 2007 ICMA Workshop, Rome Status of Components LED - Light Emitting Diodes  Available commercial product Mini-flashlight with customizable LED colours also into shaped cards and mini cards Battery long-lasting (> lifetime) Environmentally safe to throw away  Diodes have low power consumption and are available in many colours Small chips easy to be connected on board

16. COCASO15 April, 18th 2007 ICMA Workshop, Rome Status of Components Sensors - Biometric Sensor  Various sensor cards have been developed and are employed in the field. UV, humidity, temperature, chemical OFET’s  Main market is pharma for consumer products  No/low activities to incorporate biometric (e.g. fingerprint) sensor into cards

17. COCASO16 April, 18th 2007 ICMA Workshop, Rome Status of Components Solar Power Unit  Inverse technology to the display technology  No development activities for the application on cards  Lack of application

18. COCASO17 April, 18th 2007 ICMA Workshop, Rome Status of Components Data Storage / Computing  Up to 1 Gigabyte realised on card  SIM cards are the driver for the development of high memory modules  Cards with high memory and USB interface introduced

19. COCASO18 April, 18th 2007 ICMA Workshop, Rome Status of Applications S-P-S - Display Card Technology  ID-1 display card production set up for volume  Bistable display  Lack of component availability in industrial scale (i.e. not just for sampling)

20. COCASO19 April, 18th 2007 ICMA Workshop, Rome Status of Applications Bundesdruckerei - Display on ID  Contactless ID-1 display card samples on CeBit 2007  Bistable display  No internal battery  Standard contactless smartcard reader supplies power for the card (ISO 14443)  New fields of application Display Demo Card 2007

21. COCASO20 April, 18th 2007 ICMA Workshop, Rome ISO7810/11 certified, ISO banking card format, NagraID’s DisplayCard can be carried in a wallet and is readily available at all time. Its operation is very easy : one push on a button situated on the card leads to the generation of a new dynamic password sequence. The user types this password on its terminal (computer, phone, PDA) as well as his PIN code. Status of Applications Nagra ID - Display Card OTP

22. COCASO21 April, 18th 2007 ICMA Workshop, Rome Status of Applications SPS - Sensor Card  Display Cards  Sensor Cards Fingerprint means Analog sensor  Audio Cards  Active RFID Label  Combinations

23. COCASO22 April, 18th 2007 ICMA Workshop, Rome Multi Component Cards - Summary of Applications  Display Cards  Sensor Cards  Audio Cards  Active RFID Label  Data Storage  Light Cards  Combinations

24. COCASO23 April, 18th 2007 ICMA Workshop, Rome Multi Component Cards Production  Cold to Warm (<70°C) lamination technologies have been developed  Inlay and complete card set up’s

25. COCASO24 April, 18th 2007 ICMA Workshop, Rome Multi Technology Cards - Technology Challenges  Communication and Network Protocol  Systems and Software  Smart Card Accepting Devices, Interfaces  Embedded Peripherals, Subsystems and Microsystems  High-End Cryptography, Tamper-Proof and Security Technologies  Micro-Electronics RESET - Roadmap for European Research on Smartcard rElated Technologies

26. COCASO25 April, 18th 2007 ICMA Workshop, Rome Multi Component Cards - Development  Various activities specific to smart cards  High development activity for certain components Driving factor are electronic devices (e.g. PDA, military, mobile, electronic paper) DISPLAY - BIOMETRIC SENSOR - KEYPAD - SWITCH - DIODES - BATTERY - ANTENNA - SENSORS - ACCUMULATOR - SOLAR POWER UNIT - DATA STORAGE - COMPUTING

27. COCASO26 April, 18th 2007 ICMA Workshop, Rome Multi Component Cards - Driving factors  Business opportunities and market requirements E-Business Services Protection and Management of Digital Content Contactless Access  Consumer requirements Direct Interactivity Fraud Reduction Multi Application

28. COCASO27 April, 18th 2007 ICMA Workshop, Rome Summary  Industrial volume production is started (> 60k display cards in the market)  Lack of component availability in industrial scale  Products with complex electronic circuits are developed  High R&D activity will lead to new components and technologies for smart cards  High potential for lucrative business cases

29. COCASO28 April, 18th 2007 ICMA Workshop, Rome THANK YOU FOR YOUR ATTENTION Multicomponent Cards - Actual Status and Upcoming Technologies More Information: COCASO – Thies Janczek – Moewenstrasse 5a – 24113 Molfsee – Germany Phone: +49-(0)4347-701433 – Email : thies@cocaso.com www.cocaso.com

30. COCASO29 April, 18th 2007 ICMA Workshop, Rome

31. COCASO30 April, 18th 2007 ICMA Workshop, Rome External interface (ISO) Button MCM- Module Internal interface External Power source Sensor Array Microcontroller Internal power source Sensorcard – presented by ORGA at Cartes 2000 Multi Technology Cards - Status of Applications