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104-886: A smart card ( SC ), chip card , or integrated circuit card ( ICC or IC card ), is a card used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. Many smart cards include a pattern of metal contacts to electrically connect to the internal chip. Others are contactless , and some are both. Smart cards can provide personal identification, authentication, data storage, and application processing. Applications include identification, financial, public transit, computer security, schools, and healthcare. Smart cards may provide strong security authentication for single sign-on (SSO) within organizations. Numerous nations have deployed smart cards throughout their populations. The universal integrated circuit card (UICC) for mobile phones, installed as pluggable SIM card or embedded eSIM ,

208-426: A PIN can be added to a Complex Card. Complex Cards used to provide account information have been developed for: The latest generation of battery free, button free, Complex Cards can display a balance or other kind of information without requiring any input from the card holder. The information is updated during the use of the card. For instance, in a transit card, key information such as the monetary value balance,

312-410: A French financial institution. This pilot featured acoustic tones as a means of authentication. Although Complex Cards were developed since the inception of the smart card industry, they only reached maturity after 2010. Complex Cards can accommodate various peripherals including: While first generation Complex Cards were battery powered, the second generation is battery-free and receives power through

416-822: A capacitive keyboard requires constant power, therefore a battery and a mechanical button are required to activate the card. The first Complex Cards were equipped with a buzzer that made it possible to broadcast sound. This feature was generally used over the phone to send identification data such as an identifier and one-time passwords (OTPs). Technologies used for sound transmission include DTMF ( dual-tone multi-frequency signaling ) or FSK ( frequency-shift keying ). Companies that offered cards with buzzers include: Contactless smart card There are two broad categories of contactless smart cards. Memory cards contain non-volatile memory storage components, and perhaps some specific security logic. Contactless smart cards contain read-only RFID called CSN (Card Serial Number) or UID, and

520-474: A card and reader. They are becoming more popular for payment and ticketing. Typical uses include mass transit and motorway tolls. Visa and MasterCard implemented a version deployed in 2004–2006 in the U.S., with Visa's current offering called Visa Contactless . Most contactless fare collection systems are incompatible, though the MIFARE Standard card from NXP Semiconductors has a considerable market share in

624-602: A comprehensive study to evaluate the feasibility of introducing congestion pricing. The charge would be combined with other traffic reduction implementations, allowing money to be raised for public transit improvements and bike and pedestrian enhancements. The various pricing scenarios considered were presented in public meetings in December 2008, with final study results expected in 2009. (see San Francisco congestion pricing ) Taiwan Highway Electronic Toll Collection System (see Electronic Toll Collection (Taiwan) ) In December 2013,

728-424: A credit or debit card, used as a security feature for card-not-present (CNP) payment card transactions to reduce the incidence of fraud. The Card Security Code (CSC) is to be given to the merchant by the cardholder to complete a card-not-present transaction. The CSC is transmitted along with other transaction data and verified by the card issuer. The Payment Card Industry Data Security Standard (PCI DSS) prohibits

832-441: A large amount of information in both directions between the road and the vehicle, but also of providing route information. Thus, ETC 2.0 has far more advanced functions than ETC 8 (which provides only toll collection function on toll roads). The ETC 2.0 system provides a variety of advantages to road users through information provision services, such as congestion avoidance, safe driving support, etc., and route information collected by

936-423: A normal EMV card via their contact interface. The contactless interface provides similar data to a contact EMV transaction, but usually a subset of the capabilities (e.g. usually issuers will not allow balances to be increased via the contactless interface, instead requiring the card to be inserted into a device which uses the contact interface). EMV cards may carry an "offline balance" stored in their chip, similar to

1040-519: A notice stating unauthorized access to magnetic strips costing Target over 300 million dollars along with the increasing cost of online credit theft was enough for the United States to invest in the technology. The adaptation of EMV's increased significantly in 2015 when the liability shifts occurred in October by the credit card companies. Contactless smart cards do not require physical contact between

1144-730: A payment at chain convenient store at third day after vehicle travel, since a subscription to ETC is not mandated by law. Taiwan was the first country to transfer from flat-rate toll stations to a distance-based pay-as-you-go tolling system on all of its freeways. It has the longest ETC freeway mileage in the world. Electronic toll collection systems rely on four major components: automated vehicle identification, automated vehicle classification, transaction processing, and violation enforcement. The four components are somewhat independent, and, in fact, some toll agencies have contracted out functions separately. In some cases, this division of functions has resulted in difficulties. In one notable example,

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1248-630: A picture of the license plate to identify the vehicle, and a bill may be mailed to the address where the car's license plate number is registered, or drivers may have a certain amount of time to pay online or by phone. Singapore was the first city in the world to implement an electronic road toll collection system known as the Singapore Area Licensing Scheme for purposes of congestion pricing, in 1974. Since 2005, nationwide GNSS road pricing systems have been deployed in several European countries. With satellite-based tolling solutions, it

1352-521: A plastic card, and filed a smart card patent in March 1970. The following year, Paul Castrucci of IBM filed an American patent titled "Information Card" in May 1971. In 1974 Roland Moreno patented a secured memory card later dubbed the "smart card". In 1976, Jürgen Dethloff introduced the known element (called "the secret") to identify gate user as of USP 4105156. In 1977, Michel Ugon from Honeywell Bull invented

1456-628: A prepaid M-TAG account. The European Union issued the EFC-directive, which attempts to standardize European toll collection systems. Systems deployed after January 1, 2007 must support at least one of the following technologies: satellite positioning, mobile communications using the GSM-GPRS standard or 5.8 GHz microwave technology. Furthermore, the European Commission issued the Regulation on

1560-690: A re-writeable smart card microchip that can be transcribed via radio waves. A contactless smart card is characterized as follows: Contactless smart cards can be used for identification, authentication, and data storage. They also provide a means of effecting business transactions in a flexible, secure, standard way with minimal human intervention. Contactless smart cards were first used for electronic ticketing in 1995 in Seoul, South Korea. Since then, smart cards with contactless interfaces have been increasingly popular for payment and ticketing applications such as mass transit. Globally, contactless fare collection

1664-463: A single card with some shared storage and processing. An example is Porto 's multi-application transport card, called Andante , that uses a chip in contact and contactless (ISO/IEC 14443 type B) mode. Like smart cards with contacts, contactless cards do not have a battery. Instead, they use a built-in inductor , using the principle of resonant inductive coupling , to capture some of the incident electromagnetic signal, rectify it, and use it to power

1768-654: A smart card usually implements some cryptographic algorithm . However, there are several methods of recovering some of the algorithm's internal state. Differential power analysis involves measuring the precise time and electric current required for certain encryption or decryption operations. This is most often used against public key algorithms such as RSA in order to deduce the on-chip private key, although some implementations of symmetric ciphers can be vulnerable to timing or power attacks as well. Smart cards can be physically disassembled by using acid, abrasives, or some other technique to obtain direct, unrestricted access to

1872-406: A static CSC. The first generation of Dynamic CSC cards, developed by NagraID Security required a battery, a quartz and Real Time Clock (RTC) embedded within the card to power the computation of a new Dynamic CSC, after expiration of the programmed period. The second generation of Dynamic CSC cards, developed by Ellipse World, Inc., does not require any battery, quartz, or RTC to compute and display

1976-502: A system of electronic tolling for the Washington Metropolitan Area in 1959. In the 1960s and the 1970s, the first prototype systems were tested. Norway has been a world pioneer in the widespread implementation of this technology, beginning in 1986. Italy was the first country to deploy a full electronic toll collection system in motorways at national scale in 1989. In 1959, Nobel Economics Prize winner William Vickrey

2080-502: A transaction. They are often used when transactions must be processed quickly or hands-free, such as on mass transit systems, where a smart card can be used without even removing it from a wallet . The standard for contactless smart card communications is ISO/IEC 14443 . It defines two types of contactless cards ("A" and "B") and allows for communications at distances up to 10 cm (3.9 in) . There had been proposals for ISO/IEC 14443 types C, D, E, F and G that have been rejected by

2184-542: A vehicle on another operator's tolled road with the tolls incurred charged to the driver's toll-payment account with their home operator. An example is the United States E-ZPass tag, which is accepted on toll roads, bridges and tunnels in fifteen states from Illinois to Maine . In Australia, there are a number or organizations that provide tags known as e-TAG that can be used on toll roads. They include Transport for NSW 's E-Toll and Transurban 's Linkt . A toll

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2288-521: A wide variety of components. The choice of components drives functionality, influences cost, power supply needs, and manufacturing complexity. Depending on Complex Card types, buttons have been added to allow an easy interaction between the user and the card. Typically, these buttons are used to: While separate keys have been used on prototypes in the early days, capacitive keyboards are the most popular solution now, thanks to technology developments by AudioSmartCard International SA. The interaction with

2392-442: Is a truck tolling system in (Germany). This system instead uses Global Positioning System location information to identify when a vehicle is located on a tolled Autobahn . Implementation of this system turned out to be far lengthier and more costly than expected. As smart phone use becomes more commonplace, some toll road management companies have turned to mobile phone apps to inexpensively automate and expedite paying tolls from

2496-414: Is a wireless system to automatically collect the usage fee or toll charged to vehicles using toll roads , HOV lanes , toll bridges , and toll tunnels . It is a faster alternative which is replacing toll booths , where vehicles must stop and the driver manually pays the toll with cash or a card. In most systems, vehicles using the system are equipped with an automated radio transponder device. When

2600-498: Is accepted on all toll roads in the country. In Brazil, the Sem Parar/Via-Fácil system allows customers to pass through tolls in more than 1,000 lanes in the states of São Paulo, Paraná, Rio Grande do Sul, Santa Catarina, Bahia and Rio de Janeiro. Sem Parar/Via-Fácil also allows users to enter and exit more than 100 parking lots. There are also other systems, such as via expressa, onda livre and auto expresso, that are present in

2704-409: Is accomplished by a combination of a camera which takes a picture of the car and a radio frequency keyed computer which searches for a drivers window/bumper mounted transponder to verify and collect payment. The system sends a notice and fine to cars that pass through without having an active account or paying a toll. Factors hindering full-speed electronic collection include: Even if line lengths are

2808-416: Is also a type of smart card. As of 2015, 10.5   billion smart card IC chips are manufactured annually, including 5.44   billion SIM card IC chips. The basis for the smart card is the silicon integrated circuit (IC) chip. It was invented by Robert Noyce at Fairchild Semiconductor in 1959. The invention of the silicon integrated circuit led to the idea of incorporating it onto a plastic card in

2912-528: Is being employed for efficiencies in public transit. The various standards emerging are local in focus and are not compatible, though the MIFARE Classic card from Philips has a large market share in the United States and Europe. In more recent times, Visa and MasterCard have agreed to standards for general "open loop" payments on their networks, with millions of cards deployed in the U.S., in Europe and around

3016-468: Is called (see AutoPASS ). In 1995, Portugal became the first country to apply a single, universal system to all tolls in the country, the Via Verde , which can also be used in parking lots and gas stations. The United States is another country with widespread use of ETC in several states, though many U.S. toll roads maintain the option of manual collection. ETC 2.0 is not only capable of sending and receiving

3120-479: Is debited to the customer's account with their tag provider. Some toll road operators – including Sydney's Sydney Harbour Tunnel , Lane Cove Tunnel and Westlink M7 , Melbourne's CityLink and Eastlink , and Brisbane's Gateway Motorway – encourage use of such tags, and apply an additional vehicle matching fee to vehicles without a tag. A similar device in France, called Liber-T for light vehicles and TIS-PL for HGVs,

3224-404: Is in the urban context of congested cities, allowing to charge tolls without vehicles having to slow down. This application made feasible to concession to the private sector the construction and operation of urban freeways, as well as the introduction or improvement of congestion pricing , as a policy to restrict auto travel in downtown areas. Between 2004 and 2005, Santiago, Chile , implemented

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3328-527: Is less harmful to the environment than traditional PVC cards. Smart cards are also being introduced for identification and entitlement by regional, national, and international organizations. These uses include citizen cards, drivers’ licenses, and patient cards. In Malaysia , the compulsory national ID MyKad enables eight applications and has 18 million users. Contactless smart cards are part of ICAO biometric passports to enhance security for international travel. Complex Cards are smart cards that conform to

3432-414: Is not necessary to install electronic readers beside or above the road in order to read transponders since all vehicles are equipped with On Board Units having Global Navigation Satellite System (GNSS) receivers in order to determine the distance traveled on the tolled road network - without the use of any roadside infrastructure. US Nobel Economics Prize winner William Vickrey was the first to propose

3536-408: Is sufficient to make the no-stop-to-pay savings insignificant compared to time still lost due waiting in line to pass the toll gate. Toll plazas are typically wider than the rest of the highway; reducing the need for them makes it possible to fit toll roads into tight corridors. Despite these limitations, if delay at the toll gate is reduced, the tollbooth can serve more vehicles per hour. The greater

3640-559: Is that new information is transmitted with the payment transactions, thus making it useless for a potential fraudster to memorize or store it. A transaction with a Dynamic Card Security Code is carried out exactly the same way, with the same processes and use of parameters as a transaction with a static code in a card-not-present transaction. Upgrading to a DCSC allows cardholders and merchants to continue their payment habits and processes undisturbed. Complex Cards can be equipped with biometric sensors allowing for stronger user authentication. In

3744-575: Is the process of determining the identity of a vehicle subject to tolls. The majority of toll facilities record the passage of vehicles through a limited number of toll gates. At such facilities, the task is then to identify the vehicle in the gate area. Some early AVI systems used barcodes affixed to each vehicle, to be read optically at the toll booth. Optical systems proved to have poor reading reliability, especially when faced with inclement weather and dirty vehicles. Most current AVI systems rely on radio-frequency identification , where an antenna at

3848-505: The COVID-19 pandemic , demand for and usage of contactless credit and debit cards has increased, although coins and banknotes are generally safe and this technology will thus not reduce the spread of the virus. Contactless smart card readers use radio waves to communicate with, and both read and write data on a smart card. When used for electronic payment, they are commonly located near PIN pads , cash registers and other places of payment. When

3952-690: The Garden State Parkway in New Jersey, and at various locations in California, Florida, Pennsylvania, Delaware, and Texas, cars can travel through electronic lanes at full speed. Illinois' Open Road Tolling program features 274 contiguous miles of barrier-free roadways, where I-PASS or E-ZPass users continue to travel at highway speeds through toll plazas, while cash payers pull off the main roadway to pay at tollbooths. Currently over 80% of Illinois' 1.4 million daily drivers use an I-PASS. Enforcement

4056-469: The ISO/IEC 14443 standard, and magstripe. Developers of Complex Cards target several needs when developing them: A Complex Card can be used to compute a cryptographic value, such as a One-time password . The One-Time Password is generated by a cryptoprocessor encapsulated in the card. To implement this function, the crypto processor must be initialized with a seed value, which enables the identification of

4160-453: The ISO/IEC 7810 standard and include components in addition to those found in traditional single chip smart cards. Complex Cards were invented by Cyril Lalo and Philippe Guillaud in 1999 when they designed a chip smart card with additional components, building upon the initial concept consisting of using audio frequencies to transmit data patented by Alain Bernard. The first Complex Card prototype

4264-604: The New Jersey E-ZPass regional consortium's Violation Enforcement contractor did not have access to the Transaction Processing contractor's database of customers. This, together with installation problems in the automated vehicle identification system, led to many customers receiving erroneous violation notices, and a violation system whose net income, after expenses, was negative, as well as customer dissatisfaction. Source: Automated vehicle identification (AVI)

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4368-505: The controlled-access expressways in 2001. By 2019, 92% of drivers are using ETC. ETC was first introduced in Bergen , Norway, in 1986, operating together with traditional tollbooths. In 1991, Trondheim introduced the world's first use of completely unaided full-speed electronic tolling. Norway now has 25 toll roads operating with electronic fee collection (EFC), as the Norwegian technology

4472-462: The electronic wallet or "purse" that users of transit smart cards are used to. A quickly growing application is in digital identification cards. In this application, the cards are used for authentication of identity. The most common example is in conjunction with a PKI . The smart card will store an encrypted digital certificate issued from the PKI along with any other relevant or needed information about

4576-484: The EMV system was released in 1994. In 1998 the specifications became stable. EMVCo maintains these specifications. EMVco's purpose is to assure the various financial institutions and retailers that the specifications retain backward compatibility with the 1998 version. EMVco upgraded the specifications in 2000 and 2004. EMV compliant cards were first accepted into Malaysia in 2005 and later into United States in 2014. MasterCard

4680-507: The EMV technology in 2014, with the deployment still in progress in 2019. Typically, a country's national payment association, in coordination with MasterCard International, Visa International, American Express and Japan Credit Bureau (JCB), jointly plan and implement EMV systems. Historically, in 1993 several international payment companies agreed to develop smart-card specifications for debit and credit cards. The original brands were MasterCard, Visa, and Europay . The first version of

4784-580: The European Electronic Toll Service (EETS) which must be implemented by all Member States from 19 October 2021. All toll roads in Ireland must support the eToll tag standard. From 2015, the Norwegian government requires commercial trucks above 3.5 tons on its roads to have a transponder and a valid road toll subscription. Before this regulation, two-thirds of foreign trucks failed to pay road tolls. The most revolutionary application of ETC

4888-625: The ISO/IEC 14443 standard. The following tables list smart cards used for public transportation and other electronic purse applications. A related contactless technology is RFID (radio frequency identification). In certain cases, it can be used for applications similar to those of contactless smart cards, such as for electronic toll collection . RFID devices usually do not include writeable memory or microcontroller processing capability as contactless smart cards often do. There are dual-interface cards that implement contactless and contact interfaces on

4992-906: The International Organization for Standardization. An alternative standard for contactless smart cards is ISO/IEC 15693 , which allows communications at distances up to 50 cm (1.6 ft). Examples of widely used contactless smart cards are Seoul 's Upass (1996), Malaysia Touch 'n Go card (1997), Hong Kong 's Octopus card , Shanghai 's Public Transportation Card (1999), Paris 's Navigo card , Japan Rail 's Suica Card (2001), Singapore 's EZ-Link , Taiwan 's EasyCard , San Francisco Bay Area 's Clipper Card (2002), London 's Oyster card , Beijing 's Municipal Administration and Communications Card (2003), South Korea 's T-money , Southern Ontario 's Presto card , India 's More Card , Israel's Rav-Kav Card (2008), Melbourne 's Myki card and Sydney 's Opal card which predate

5096-559: The Marines corps (USMC) at Parris Island allowing small amount payments at the cafeteria. Since the 1990s, smart cards have been the subscriber identity modules (SIMs) used in GSM mobile-phone equipment. Mobile phones are widely used across the world, so smart cards have become very common. Europay MasterCard Visa (EMV)-compliant cards and equipment are widespread with the deployment led by European countries. The United States started later deploying

5200-613: The OTPs respective of each card. The hash of seed value has to be stored securely within the card to prevent unauthorized prediction of the generated OTPs. One-Time Passwords generation is based either on incremental values (event based) or on a real time clock (time based). Using clock-based One-Time Password generation requires the Complex Card to be equipped with a Real-time clock . Complex Cards used to generate One Time Password have been developed for: A Complex Card with buttons can display

5304-482: The Télécarte, microchips were integrated into all French Carte Bleue debit cards in 1992. Customers inserted the card into the merchant's point-of-sale (POS) terminal, then typed the personal identification number (PIN), before the transaction was accepted. Only very limited transactions (such as paying small highway tolls ) are processed without a PIN. Smart-card-based " electronic purse " systems store funds on

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5408-399: The U.S. Payment occurs in a similar fashion to mag-stripe, without a PIN and often in off-line mode (depending on parameters of the terminal). The security level of such a transaction is better than a mag-stripe card, as the chip cryptographically generates a code which can be verified by the card issuer's systems. Contactless EMV cards have two interfaces (contact and contactless) and work as

5512-505: The US and Europe. Use of "Contactless" smart cards in transport has also grown through the use of low cost chips NXP Mifare Ultralight and paper/card/PET rather than PVC. This has reduced media cost so it can be used for low cost tickets and short term transport passes (up to 1 year typically). The cost is typically 10% that of a PVC smart card with larger memory. They are distributed through vending machines, ticket offices and agents. Use of paper/PET

5616-430: The United States, and in 2006 in some parts of Europe and Asia (Singapore). In the U.S., contactless (non PIN ) transactions cover a payment range of ~$ 5–$ 100. In general there are two classes of contactless bank cards: magnetic stripe data (MSD) and contactless EMV . Contactless MSD cards are similar to magnetic stripe cards in terms of the data they share across the contactless interface. They are only distributed in

5720-420: The accounts, and handling customer inquiries. The transaction processing component of some systems is referred to as a "customer service center". In many respects, the transaction processing function resembles banking, and several toll agencies have contracted out transaction processing to a bank. Customer accounts may be postpaid, where toll transactions are periodically billed to the customer, or prepaid, where

5824-475: The amount of the toll makes it easy to implement road congestion pricing , including for high-occupancy lanes, toll lanes that bypass congestion, and city-wide congestion charges. The payment system usually requires users to sign up in advance and load money into a declining-balance account, which is debited each time they pass a toll point. Electronic toll lanes may operate alongside conventional toll booths so that drivers who do not have transponders can pay at

5928-404: The balance of one or multiple account(s) linked to the card. Typically, either one button is used to display the balance in the case of a single account card or, in the case of a card linked to multiple accounts, a combination of buttons is used to select a specific account's balance. For additional security, features such as requiring the user to enter an identification or a security value such as

6032-419: The booth. Open road tolling is an increasingly popular alternative which eliminates toll booths altogether; electronic readers mounted beside or over the road read the transponders as vehicles pass at highway speeds, eliminating traffic bottlenecks created by vehicles slowing down to go through a toll booth lane. Vehicles without transponders are either excluded or pay by plate – a license plate reader takes

6136-435: The car's bill." In the 1960s and the 1970s, free flow tolling was tested with fixed transponders at the undersides of the vehicles and readers, which were located under the surface of the highway. Plans were however scrapped and it never came into actual implementation. Modern toll transponders are typically mounted under the windshield, with readers located in overhead gantries. After tests in 1974, in 1975, Singapore became

6240-423: The card holder. Examples include the U.S. Department of Defense (DoD) Common Access Card (CAC), and the use of various smart cards by many governments as identification cards for their citizens. When combined with biometrics, smart cards can provide two- or three-factor authentication. Smart cards are not always a privacy-enhancing technology, for the subject carries possibly incriminating information about him all

6344-592: The card's electronics. Since the start of using the Seoul Transportation Card , numerous cities have moved to the introduction of contactless smart cards as the fare media in an automated fare collection system. In a number of cases these cards carry an electronic wallet as well as fare products, and can be used for low-value payments. Starting around 2005, a major application of the technology has been contactless payment credit and debit cards. Some major examples include: Roll-outs started in 2005 in

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6448-659: The card, so that readers do not need network connectivity. They entered European service in the mid-1990s. They have been common in Germany ( Geldkarte ), Austria ( Quick Wertkarte ), Belgium ( Proton ), France ( Moneo ), the Netherlands ( Chipknip Chipper (decommissioned in 2015)), Switzerland ("Cash"), Norway (" Mondex "), Spain ("Monedero 4B"), Sweden ("Cash", decommissioned in 2004), Finland ("Avant"), UK ("Mondex"), Denmark ("Danmønt") and Portugal ("Porta-moedas Multibanco"). Private electronic purse systems have also been deployed such as

6552-532: The charge permanent in 2007 (see Stockholm congestion tax ); and in Valletta , the capital city of Malta, since May 2007. In January 2008, Milan began a one-year trial program called Ecopass , a pollution pricing program in which low-emission-standard vehicles pay a user fee; alternative fuel vehicles and vehicles using conventional fuels but compliant with the Euro IV emission standard are exempted. The program

6656-473: The customer funds a balance in the account which is then depleted as toll transactions occur. The prepaid system is more common, as the small amounts of most tolls makes pursuit of uncollected debts uneconomic. Most postpaid accounts deal with this issue by requiring a security deposit , effectively rendering the account a prepaid one. Source: A violation enforcement system (VES) is useful in reducing unpaid tolls, as an unmanned toll gate otherwise represents

6760-455: The end of the journey. Dr. Eng. Mario Alvisi is considered the father of ETC in motorways because not only co-designed Telepass but was able to make it the first standardized operating ETC system in the world as European standard in 1996. He acted as a consultant for deployment of ETC in many countries including Japan, United States, Brazil. In Japan, only the ETC System was constructed in all of

6864-558: The first microprocessor smart card with two chips : one microprocessor and one memory , and in 1978, he patented the self-programmable one-chip microcomputer (SPOM) that defines the necessary architecture to program the chip. Three years later, Motorola used this patent in its "CP8". At that time, Bull had 1,200 patents related to smart cards. In 2001, Bull sold its CP8 division together with its patents to Schlumberger , who subsequently combined its own internal smart card department and CP8 to create Axalto . In 2006, Axalto and Gemplus, at

6968-469: The first country in the world to implement an electronic road toll collection system known as the Singapore Area Licensing Scheme for purposes of congestion pricing on its more urbanized roads. It was refined in 1998 as Electronic Road Pricing (ERP). Italy deployed a full ETC in motorways at national scale in 1989. Telepass , the brand name of the ETC belonging to Autostrade S.p.A. now Autostrade per l'Italia ,

7072-420: The gaps between vehicles, to provide basic information on the presence of a vehicle. With clever software processing of the inductive data a wide range of vehicle classes can be derived by careful analysis of the inductive profile. Treadles permit counting the number of axles as a vehicle passes over them and, with offset-treadle installations, also detect dual-tire vehicles. Light-curtain laser profilers record

7176-435: The highway into segments, each having a price value determined by distance to the next gate (interchange). A daily gate count is calculated at midnight, and the total charge is deducted in 48 hours. Each vehicle receives a further discount after the first 200 kilometers, and eTag subscribers with prepaid accounts get a further 10% reduction. Non-subscribers are billed by license plate recognition and mail statements, or can make

7280-519: The lanes. One such example application is Alabama Freedom Pass mobile, used to link customer accounts at sites operated by American Roads LLC. The app communicates in real time with the facility transaction processing system to identify and debit customer accounts or bill a major credit card. Source: Automated vehicle classification is closely related to automated vehicle identification (AVI). Most toll facilities charge different rates for different types of vehicles, making it necessary to distinguish

7384-569: The late 1960s. The idea of incorporating an integrated circuit chip onto a plastic card was first introduced by the German engineer Helmut Gröttrup . In February 1967, Gröttrup filed the patents DE1574074 and DE1574075 in West Germany for a tamper-proof identification switch based on a semiconductor device and described contactless communication via inductive coupling. Its primary use was intended to provide individual copy-protected keys for releasing

7488-450: The long term, the greater the relative advantage that registering and turning one's vehicle into an electronic-toll one provides, the faster cars will be converted from manual-toll use to electronic-toll use, and therefore the fewer manual-toll cars will drag down average speed and thus capacity. In some countries, some toll agencies that use similar technology have set up (or are setting up) reciprocity arrangements, which permit one to drive

7592-550: The need for transponders, some systems, notably the 407 ETR (Express Toll Route) near Toronto and the A282 ( M25 ) Dartford Crossing in the United Kingdom, use automatic number plate recognition. Here, a system of cameras captures images of vehicles passing through tolled areas, and the image of the number plate is extracted and used to identify the vehicle. This allows customers to use the facility without any advance interaction with

7696-527: The new dynamic code. Instead, the card obtains its power either through the usual card connector or by induction during every EMV transaction from the Point of Sales (POS) terminal or Automated Teller Machine (ATM) to compute a new DCSC. The Dynamic CSC, also called dynamic cryptogram, is marketed by several companies, under different brand names: The advantage of the Dynamic Card Security Code (DCSC)

7800-492: The number of remaining trips or the expiry date of a transit pass can be displayed. A Complex Card being deployed as a payment card can be equipped with capability to provide transaction security. Typically, online payments are made secure thanks to the Card Security Code (CSC) , also known as card verification code (CVC2), or card verification value (CVV2). The card security code (CSC) is a 3 or 4 digits number printed on

7904-399: The old toll stations were replaced by distance-based pay-as-you-go all-electronic toll collection on all of Taiwan's major freeways. All tolls are collected electronically by overhead gantries with multi-lane free flow, not at traditional toll booths. Taiwan was the first country to switch from manual tolling to all-electronic, multi-lane free-flow tolling on all of its freeways. To simulate

8008-469: The on-board microprocessor. Although such techniques obviously involve a fairly high risk of permanent damage to the chip, they permit much more detailed information (e.g. photomicrographs of encryption hardware) to be extracted. Short distance (≈10 cm. or 4″) is required for supplying power. The radio frequency, however, can be eavesdropped within several meters once powered-up. Electronic toll collection Electronic toll collection ( ETC )

8112-444: The previous model, where a vehicle would not pass toll collection over short-distance travel, each vehicle receives 20 kilometers per diem of free travel and is billed NT$ 1.2 per kilometer thereafter. Buses and trailers are subject to heavy vehicle surcharges. The highway administration may alter fares (e.g. remove the per diem ) during peak travel seasons to facilitate distribution of congestion to midnight hours. The toll gates divide

8216-495: The readers are used for public transit they are commonly located on fare boxes, ticket machines, turnstiles, and station platforms as a standalone unit. When used for security, readers are usually located to the side of an entry door. A contactless smart card is a card in which the chip communicates with the card reader through an induction technology similar to that of an RFID (at data rates of 106 to 848 kbit/s). These cards require only close proximity to an antenna to complete

8320-483: The road side devices and greatly contribute to ITS promotion. As of March 2018, in Japan, a total of approximately 2.61 million vehicles are equipped with devices compliant with the ETC 2.0. In some urban settings, automated gates are in use in electronic-toll lanes, with 5 mph (8 km/h) legal limits on speed; in other settings, 20 mph (35 km/h) legal limits are not uncommon. However, in other areas such as

8424-409: The same in electronic lanes as in manual ones, electronic tolls save registered cars time: eliminating the stop at a window or toll machine, between successive cars passing the collection machine, means a fixed-length stretch of their journey past it is traveled at a higher average speed, and in a lower time. This is at least a psychological improvement, even if the length of the lines in automated lanes

8528-421: The shape of the vehicle, which can help distinguish trucks and trailers. In modern systems simple laser light curtains are being replaced with more technically advanced Lidar systems. These safety critical systems, used in autonomous vehicles, are less sensitive to environmental conditions. Source: Transaction processing deals with maintaining customer accounts, posting toll transactions and customer payments to

8632-477: The smart chip technology to protect itself from future credit card identity theft. Before 2014, the consensus in America was that there were enough security measures to avoid credit card theft and that the smart chip was not necessary. The cost of the smart chip technology was significant, which was why most of the corporations did not want to pay for it in the United States. The debate finally ended when Target sent out

8736-422: The states of Rio de Janeiro, Rio Grande do Sul, Santa Catarina, Parana and Minas Gerais. Since 2016, National Highway Authority of Pakistan implemented electronic toll collection on its motorway network using a RFID -based tag called the "M-TAG". The tag is attached to the windscreen of vehicles and is automatically scanned at toll plazas on entry and exit, meanwhile debiting the calculated toll tax from

8840-591: The storage of the CSC by the merchant or any stakeholder in the payment chain. Although designed to be a security feature, the static CSC is susceptible to fraud as it can easily be memorized by a shop attendant, who could then use it for fraudulent online transactions or sale on the dark web. This vulnerability has led the industry to develop a Dynamic Card Security Code (DCSC) that can be changed at certain time intervals, or after each contact or contactless EMV transaction. This Dynamic CSC brings significantly better security than

8944-573: The tapping process at unmanned gas stations. In September 1968, Gröttrup, together with Jürgen Dethloff as an investor, filed further patents for this identification switch, first in Austria and in 1969 as subsequent applications in the United States, Great Britain, West Germany and other countries. Independently, Kunitaka Arimura of the Arimura Technology Institute in Japan developed a similar idea of incorporating an integrated circuit onto

9048-423: The throughput of any toll lane, the fewer lanes required, so construction costs can be reduced. Specifically, the toll-collecting authorities have incentives to resist pressure to limit the fraction of electronic lanes in order to limit the length of manual-lane lines. In the short term, the greater the fraction of automated lanes, the lower the cost of operation (once the capital costs of automating are amortized). In

9152-525: The time the world's top two smart-card manufacturers, merged and became Gemalto . In 2008, Dexa Systems spun off from Schlumberger and acquired Enterprise Security Services business, which included the smart-card solutions division responsible for deploying the first large-scale smart-card management systems based on public key infrastructure (PKI). The first mass use of the cards was as a telephone card for payment in French payphones , starting in 1983. After

9256-624: The time. By employing contactless smart cards, that can be read without having to remove the card from the wallet or even the garment it is in, one can add even more authentication value to the human carrier of the cards. The Malaysian government uses smart card technology in the identity cards carried by all Malaysian citizens and resident non-citizens. The personal information inside the smart card (called MyKad ) can be read using special APDU commands. Smart cards have been advertised as suitable for personal identification tasks, because they are engineered to be tamper resistant . The embedded chip of

9360-479: The toll agency. The disadvantage is that fully automatic recognition has a significant error rate, leading to billing errors and the cost of transaction processing (which requires locating and corresponding with the customer) can be significant. Systems that incorporate a manual review stage have much lower error rates, but require a continuing staffing expense. A few toll facilities cover a very wide area, making fixed toll gates impractical. The most notable of these

9464-416: The toll gate communicates with a transponder on the vehicle via Dedicated Short Range Communications (DSRC). RFID tags have proved to have excellent accuracy, and can be read at highway speeds. The major disadvantage is the cost of equipping each vehicle with a transponder, which can be a major start-up expense, if paid by the toll agency, or a strong customer deterrent, if paid by the customer. To avoid

9568-436: The typical use case, fingerprint sensors are integrated into a payment card to bring a higher level of user authentication than a PIN. To implement user authentication using a fingerprint enabled smart card, the user has to authenticate himself/herself to the card by means of the fingerprint before starting a payment transaction. Several companies offer cards with fingerprint sensors, including: Complex Cards can incorporate

9672-442: The usual card connector and/or induction . Sound, generated by a buzzer, was the preferred means of communication for the first projects involving Complex Cards. Later, with the progress of displays, visual communication is now present in almost all Complex Cards. Complex Cards support all communication protocols present on regular smart cards: contact, thanks to a contact pad as defined ISO/IEC 7816 standard, contactless following

9776-487: The vehicle passes a roadside toll reader device, a radio signal from the reader triggers the transponder, which transmits back an identifying number which registers the vehicle's use of the road, and an electronic payment system charges the user the toll. A major advantage is the driver does not have to stop, reducing traffic delays. Electronic tolling is cheaper than a staffed toll booth, reducing transaction costs for government or private road owners. The ease of varying

9880-450: The vehicles passing through the toll facility. The simplest method is to store the vehicle class in the customer record, and use the AVI data to look up the vehicle class. This is low-cost, but limits user flexibility, in such cases as the automobile owner who occasionally tows a trailer. More complex systems use a variety of sensors. Inductive sensors embedded in the road surface can determine

9984-467: The world's first 100% full speed electronic tolling with transponders crossing through the city's core (CBD) in a system of several concessioned urban freeways ( Autopista Central and Autopista ). The United Arab Emirates implemented in 2007 a similar road toll collection in Dubai , called Salik . Similar schemes were previously implemented but only on bypass or outer ring urban freeways in several cities around

10088-485: The world's first successful congestion pricing scheme implemented with manual control (see also Singapore's Area Licensing Scheme ), and was refined in 1998 (see Singapore's Electronic Road Pricing ), Bergen (1986), Oslo (1990), and Trondheim (1991) (see Trondheim Toll Scheme ); Rome in 2001 as an upgrade to the manual zone control system implemented in 1998; London in 2003 and extended in 2007 (see London congestion charge ); Stockholm , tested in 2006 and made

10192-494: The world. Smart cards are being introduced in personal identification and entitlement schemes at regional, national, and international levels. Citizen cards, drivers’ licenses, and patient card schemes are becoming more prevalent. In Malaysia, the compulsory national ID scheme MyKad includes 8 different applications and is rolled out for 18 million users. Contactless smart cards are being integrated into ICAO biometric passports to enhance security for international travel. With

10296-505: The world: Toronto in 1997 ( Highway 407 ), several roads in Norway (AutoPASS), Melbourne in 2000 ( CityLink ), and Tel Aviv also in 2000 ( Highway 6 ). Congestion pricing or urban toll schemes were implemented to enter the downtown area using ETC technology and/or cameras and video recognition technology to get the plate numbers in several cities around the world: urban tolling in Norway's three major cities: Singapore in 1974 introduced

10400-529: Was designed by Dr. Eng Pierluigi Ceseri and Dr. Eng. Mario Alvisi and included a full operational real time Classification of Vehicles and Enforcement via cameras interconnected with the PRA (Public Register of Automobiles) via a network of more than 3.000 Km. optical fibers. Telepass introduced the concept of ETC Interoperability because interconnected 24 different Italian motorway operators allowing users to travel between different concession areas and paying only at

10504-433: Was developed collaboratively by Cyril Lalo and Philippe Guillaud, who were working at AudioSmartCard at the time, and Henri Boccia and Philippe Patrice, who were working at Gemplus . It was ISO 7810-compliant and included a battery, a piezoelectric buzzer, a button, and delivered audio functions, all within a 0.84mm thickness card. The Complex Card pilot, developed by AudioSmartCard, was launched in 2002 by Crédit Lyonnais ,

10608-547: Was extended through December 2011 and in January 2012 was replaced by a congestion pricing scheme called Area C . New York City considered the implementation of a congestion pricing scheme. New York City Council approved such a plan in 2008, but it was not implemented because the New York State Assembly did not approve it. (see New York congestion pricing ) In 2006, San Francisco transport authorities began

10712-401: Was the first company that was allowed to use the technology in the United States. The United States has felt pushed to use the technology because of the increase in identity theft . The credit card information stolen from Target in late 2013 was one of the largest indicators that American credit card information is not safe. Target made the decision on 30 April 2014 that it would try to implement

10816-406: Was the first to propose a similar system of electronic tolling for the Washington Metropolitan Area . He proposed that each car would be equipped with a transponder: "The transponder's personalized signal would be picked up when the car passed through an intersection, and then relayed to a central computer which would calculate the charge according to the intersection and the time of day and add it to

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