NACCU Migrating to Contactless:

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1 NACCU 2013 Migrating to Contactless:

2 AGENDA The demise of cards has been predicted for many years. When will this really happen? This presentation by two card industry experts will cover the rise of ID cards, the technological innovations that have made them indispensable and the reasons that cards will be with us for a long time. Migrating to Contactless:

3 AGENDA Trends Plastic cards Contactless smart cards Physical access readers Contactless payments Printing, reading and encoding contactless Migrating to contactless The future Migrating to Contactless:

4 TRENDS New contactless products System tools Cards and readers Decision points for card technology migration New building construction Card system upgrade Transit integration IT getting more involved in ID decisions Phones! Will NFC or mobile apps dominate payments? NFC pilot programs Migrating to Contactless:

5 CARD CONSTRUCTION Chip Inlay Layer Migrating to Contactless:

6 CARD CONSTRUCTION Mag Stripe Layer Migrating to Contactless:

7 CARD CONSTRUCTION Pre-printed Layer Migrating to Contactless:

8 LAYERS OF A SMART CARD Migrating to Contactless:

9 CARD LAMINATING PRESS Migrating to Contactless:

10 IDENTIFICATION TECHNOLOGIES THE CARD HOLDS IDENTIFYING NUMBERS FOR ALL THE APPLICATIONS THAT IT TOUCHES EXTERNAL Visual Printed Image Photo Printed Number Automatic ID Encoded Mag Stripe Bar Code INTERNAL Automatic Prox Chip Contactless Chip Contact Chip Migrating to Contactless:

11 DEFINITIONS - RFID Three frequency ranges used for Radio Frequency Identification cards: 1. Low Frequency Prox 2. Ultra High Frequency UHF RFID EPC Gen II (Electronic Product Code) 3. High Frequency Contactless Smart Card Migrating to Contactless:

12 PROXIMITY CARDS Proximity Prox Proxy cards 125KHz, Low Frequency Up to 100 bits of memory Usually pre-programmed by manufacturer 25 year-old technology HID, Indala, Casi-Rusco, AWID, Kantech Vulnerabilities New mobile devices that can read and write to Prox cards Soon it will be easier to clone Prox than mag stripes Migrating to Contactless:

13 RFID 900 MHz, Ultra High Frequency (UHF) Used as ID tags for things more often than people EPC Gen II Electronic Product Code 30 Read range Not considered as secure as Contactless Inventory, vehicles, passports, ski Migrating to Contactless:

14 CONTACTLESS CARDS Contactless Smart Cards MHz High Frequency Additional rewritable memory available, up to 8K bytes Advanced security available encryption Widely used for physical access, transit, payments Migrating to Contactless:

15 CONTACTLESS MEMORY For commercial contactless cards: Memory on a contactless chip is like a hardcover book Book cover has the Card Serial Number (CSN) or Universal ID (UID) Unique to every contactless chip Electronically stamped by the mfr. Interoperable No data encryption Migrating to Contactless:

16 CONTACTLESS MEMORY The first chapter of the book can be reserved for the physical access application Card ID number, for physical access readers Locked with manufacturer s key Recommend unique encryption key for each institution Normally non-rewritable area Migrating to Contactless:

17 CONTACTLESS MEMORY Remaining chapters can be used for other applications Putting an application on the card Storing a number in an area of the chip memory for retrieval by a particular application Each application has its own chapter Often rewritable Biometric templates Payment data Student ISO numbers Migrating to Contactless:

18 CONTACTLESS IDENTIFIER REVIEW CSN, UID, CHUID Free read, not very secure Used by unlicensed reader manufacturers Physical access control application number Encrypted, secure Other application numbers Contactless credit card payment data mimics mag stripe data Biometric templates Read/write data Some physical access control applications Transit fare collection systems Payment applications increment, decrement Migrating to Contactless:

19 ENCRYPTION Keys are like passwords that lock memory sectors on smart cards If cards are pre-programmed for physical access, then that application area is locked with a key Physical access cards can have manufacturer s standard key, or a custom key unique to the institution HID Elite Key program option for iclass Unique encryption key for cards and readers PACS readers and cards usually have to be from the same manufacturer Migrating to Contactless:

20 PERSONALIZATION All ID printers have contactless reader options Each printer model has to be specifically supported by software Smart cards require special support Migrating to Contactless:

21 DTC PRINTERS AND CONTACTLESS CARDS Migrating to Contactless:

22 REVERSE TRANSFER PRINTING Migrating to Contactless:

23 RE-CARD: IN-HOUSE OR OUTSOURCE? Why Re-Card? New card technology New card artwork or logo New banking relationship New card system Things to keep in mind for your in-house re-card: Printers Do you have enough printers? Rent printers? How many? How long? Cards Don t forget to order extra cards for production Considerations Wear and tear on printers Time and deadlines Cost consumables & resources Puts a lot of pressure on the Card Office! Migrating to Contactless:

24 PAYMENT CARDS EMV (Chip and PIN ) in EU, Canada, other parts of the world NFC in Japan, Korea Mostly FeliCa, not PayPass (MC) or PayWave (VISA) Mag stripe is standard in US Some contactless card use EMV is coming standards required by MC and VISA, by 2014 Many EMV terminals will have contactless readers NFC may become payments method in US? NFC was hijacked by the payments industry and has not been heard from since. Migrating to Contactless:

25 CONTACTLESS PAYMENT Many banks issue contactless payment cards (credit, debit, pre-paid) Applications by Master Card (PayPass), VISA (PayWave), AMX (expresspay) It s all about convenience Every transaction must be successful The data is not encrypted on contactless payment cards Helps assure successful transaction Skimming is very easy, especially with NFC phones NFC for payments would follow the no-encryption model Back-end systems could help recognize fraud Bank payment apps could technically reside on your campus cards Complicated by rules and regulations Migrating to Contactless:

26 CONTACTLESS FOR TRANSIT MIFARE was made for transit Legacy systems write payment data to card Newer systems are usually account-based Chicago is installing an open loop system Ventra Card Based on Master Card Debit Single ride and day tickets, or contactless bankcard Closed loop transit data usually proprietary to that system Cards must be programmed by transit agency, or under licensing agreement UTA is exception - they read CSN Latest cards could hold multiple apps ISO standard IR aptiq HID SEOS Other? Migrating to Contactless:

27 CONTACTLESS NUMBERS Physical access cards traditionally pre-programmed by manufacturer Numbers captured at issuance Printer with reader and correct software Manually, with USB reader at PC Some systems now write data to cards in printer Blackboard, with FeliCa and MIFARE CBORD, with MIFARE, DESFire? What data and how does it work? Migrating to Contactless:

28 SECURITY COMPARISON Migrating to Contactless:

29 THE FUTURE -- PHONES! NFC for physical access Near Field Communication Contactless chip in the phone that talks to phone OS Many new smartphones have NFC chips Apple, not yet NFC for payments BYOD NFC tags How to provision and manage? Stickers that are read by NFC phones Coupons on posters Migrating to Contactless:

30 NFC CREDENTIALS Remember secure credentials on cards? Readers at doors look for the same credentials, whether on cards or phones VIRTUAL CREDENTIALS! Reader mfrs. will not give credentials away for free Will integrators charge for this service? Credentials for NFC payments Could be free? Not encrypted How to provision phones? Migrating to Contactless:

31 THE FUTURE PORTABLE DATA One manufacturer s approach to making data portable HID s SIO Secure Identity Objects Data can be anything ID number for PACS, employee ID, ISO number SIO can be securely stored on contactless card, PC, phone SIO data read at door by HID SE readers NFC, MIFARE, DESFire, SEOS, iclass Readers have Hardware Security Module (HSM) for key storage Securely provision NFC phones with SIO, Over The Air (OTA) Migrating to Contactless:

32 NFC FOR PAYMENTS Commercial mobile payment evolution: Google Wallet will now have card Software solutions (phone apps) already more widely used than NFC ISIS Starbucks PayPal Home Depot MCX Wal-Mart, Target Will use QR codes! Verizon, AT&T Trying to use NFC Network operators own the SIM Migrating to Contactless:

33 FUTURE - EMV CARDS Gold contact chip on front Chip and PIN Global 1 billion EMV cards issued globally 15.4 million POS terminals Coming to the US? VISA and MC guidelines Contactless EMV is possible NFC + EMV? Migrating to Contactless:

34 FUTURE -- PIV, CAC, TWIC? Dual interface chip Gold contact chip on front Used for authentication and logical access Contactless interface through antenna in card Used for physical access No encryption on this data US Gov requires background check PIN unlocks card Fingerprints stored on card Iris templates coming Smart chip has PKI encryption Best portable encryption available Many certificates on card for many uses Migrating to Contactless:

35 CREDENTIAL CONCLUSIONS Determine your security requirements and policies Levels of security Throughput Convenience Human participation Readers are almost forever choose wisely Create migration path to introduce advanced authentication technology Multi-technology cards and/or readers Visual security for cards is important Keep systems that work well and make sense Test! Migrating to Contactless:

36 NFC CONCLUSIONS Widespread adoption by payments industry in the U.S. is years away NFC could work in closed loop environment Has to be fully supported by infrastructure: PACS or payments How to manage mobile devices? Test! Apple? Android Windows? Migrating to Contactless:

37 CARD CONCLUSIONS More general purpose plastic cards issued worldwide in 2012 than ever! Use cards until NFC support is available for your application If you need to upgrade from mag or prox, for PACS: Buy readers that could read NFC Test! iclass SE aptiq Integrator proprietary Migrating to Contactless:

38 Thanks! Migrating to Contactless:

39 Questions? Call or for more information. David Stallsmith Director of Product Management Todd Brooks Product Manager Migrating to Contactless:

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