1. PIN-on-Card New contact-less smart card with integrated PIN pad for secure user verification at unparalleled cost effectiveness

2. Balancing securtiy, cost and convenience Security Advanced encryption Copying PIN eaves- dropping X X = target position Cost Card Reader System integration Convenience Easy to use Contact-less Mobility

3. PIN security over the Internet A typical PC is not secure PIN/Passwords entered from the computer's keyboard are easily intercepted by Trojans Information stored as files on a computer’s hard disc is easily copied by Trojans Keys must be stored outside the computer PINs must be entered on a device outside the computer Cryptographic operations must be performed outside the computer

4. Today - security, cost or convenience Smart Cards –Security: Need advanced external keypad reader to secure PIN over the Internet –Cost: Expensive keypad readers –Convenience: Sensitive, not for outdoor use RFID/prox cards –Security: Information can be read out remotely and needs advanced external keypad reader to secure PIN over the Internet. –Cost: Expensive readers –Convenience: Robust, contact-less and convenient

5. Combining security, cost and convenience + Smart Card –Intelligent and high security, can not be read out remotely –Large data storage + RFID Card –Contact-less + Keypad reader –Prevents PIN interception PIN-on-Card

6. Highest level of security –Security resides on the card, not reader or system –128-bit AES ( RSA, 3DES ) –PIN never leaves the card –Secure data storage (32 kBytes) Low cost –Robust cards and readers, no slot, no moving parts –Low cost for readers High convenience –One card - multiple systems/functionality –Contact-less –High level of automation Introducing PIN-on-Card

7. PIN-on-Card (POC) POC readers –Desktop reader connects to computer’s USB port –Wall mounted reader –OEM components POC Client API POC controller (for physical security) –Control unit for access, control and alarm for buildings and machinery The PIN-on-Card system components

8. Cards and readers Cards –Integrated PIN pad –Standard ISO card size –Customized graphic design Readers –Multiple form factors –Reader range up to 5 mm –OEM component from 1 US –Easily integrated into non-metallic flat surfaces; keyboard, mouse mat, Smart Phone etc.

9. SC Client Driver and API Extends functionality of the card to third- party applications Easy integration with event-driven COM/ActiveX interface Minimal coding effort required Automatic Web-browser activation and navigation to URL stored in card

10. User scenario - Internet service 1. The card is placed on a card reader connected to computer 2. Card navigates automatically to preprogrammed Internet site 3. User is verified by entering PIN on card 4. User is accepted by service

11. Basic challenge response 1. PIN entry 2. Encrypt challenge and X with secret key Decrypt response with secret key to determine if X is authentic Generates long random number as challenge Card on reader User Service User claims to be X User sends response Service challenges user Service accepted or rejected