<DL>
<DD>private, 213-214
<DD>public, 213-214
</DL>
<DD>MACs (message authentication codes), 215
<DD>mechanisms, 208-209
<DD>microcontrollers, 135
<DD>Multiflex SCOS (Schlumberger Customer Oriented System), 182
<DD>networks, 208
<DD>one-way hash codes, 214
<DD>PCs (personal computers), 207
<DD>physical, 208-209
<DD>PINs (personal identification numbers), 207, 211
<DD>privacy, 220-221
<DD>secure messaging, 59
<DD>shared secrets, 211-212
<DD>smart cards, 23, 27
<DD>Smart Shopper cards, 235-237
<DD>software, 11-12, 135
<DD>symmetric key encryption, 210-212
<DD>systems
<DL>
<DD>authentication, 201-202
<DD>authorization, 202-203
<DD>components, 204-205
<DD>integrity, 203-204
<DD>nonrepudiation, 204
<DD>privacy, 203
</DL>
<DD>TCP/IP infrastructure, 124-125
<DD>terminals, 206-207
<DD>transactions, 200
<DD>trust, establishing, 201-202
<DD>trust brokers, 33
<DD>Visa
<DL>
<DD>CCPS (Chip Card Payment Service), 171
<DD>SET (secure electronic transaction), 171
</DL>
</DL>
<DD><B>Security Manager button, 119</B>
<DD><B>Security Manager window (EZ Formatter), 119</B>
<DD><B>Seek command (Multiflex), 105, 309-310</B>
<DD><B>seek files, 100-102</B>
<DD><B>Select command, 105, 160</B>
<DD><B>Select File command, 74-75, 85, 91</B>
<DL>
<DD>ISO 7816-4, 283-284
<DD>Multiflex, 310-311
</DL>
<DD><B>selecting files (elementary), 90-94</B>
<DD><B>SelectItem function, 182</B>
<DD><B>SendMessage function, 250</B>
<DD><B>SendShortMessage function, 182</B>
<DD><B>SendSS function, 182</B>
<DD><B>SendUSSD function, 182</B>
<DD><B>serial number files, 90-92</B>
<DD><B>SET (secure electronic transactions), 157-158, 330</B>
<DL>
<DD>availability, 171
<DD>specifications, 162
</DL>
<DD><B>Set Application Flag command, 252</B>
<DD><B>Set Default ATR command, 255-256</B>
<DD><B>Set Properties function, 151</B>
<DD><B>SetDefaultATR function, 196</B>
<DD><B>SetParm function, 152</B>
<DD><B>SetUpCalls function, 182</B>
<DD><B>SetUpMenu function, 182</B>
<DD><B>SHA-1 algorithm, 215</B>
<DD><B>shelf life, NVM (nonvolatile memory), 173</B>
<DD><B>SignHash function, 152</B>
<DD><B>SIM (subscriber interface module), 330</B>
<DL>
<DD>files, 14
<DD>functions, 182
<DD>services, 181-182
</DL>
<DD><B>simulation</B>
<DL>
<DD>debugging or testing, 176-177
<DD>simulators, 137-139, 330
</DL>
<DD><B>sites (Web)</B>
<DL>
<DD>Aspects SmarTest system, 177
<DD>Cyberflex, 191
<DD>Java Card Forum, 185
<DD>JavaSoft, 185
</DL>
<DD><B>SKA (secret key algorithm), 330</B>
<DD><B>smart cards, 330</B>
<DL>
<DD>bending testing, 44
<DD>communications, 14
<DD>components, 23, 27
<DD>cost, 4
<DD>defined, 3
<DD>fabricating, 28
<DD>file systems, <I>see</I> file systems
<DD>future developments, 146-147
<DD>hardware, 15
<DD>history, 4
<DD>initialization, 30, 48
<DD>integrated circuit chips
<DL>
<DD>address lines, 25
<DD>fabricating, 27
<DD>inserting, 29
<DD>memory, 25-26
<DD>packaging, 28
<DD>size, 24
</DL>
<DD>manufacturing, 27, 30
<DD>mask development, 30
<DD>operating systems, <I>see</I> operating systems
<DD>ownership, 177-178
<DD>physical characteristics, 21, 23
<DD>printing, 29
<DD>readers
<DL>
<DD>bit ordering, 49
<DD>communicating, 45
<DD>data transfer, 48
<DD>data transmission, 49
<DD>diagrams, 47
<DD>protocols, 52
</DL>
<DD>Smart Card Forum, 330
<DD>Smart Card service providers, <I>see</I> SSPs
<DD>software, <I>see</I> software
<DD>specifications, 53-56
<DD>swallowing, 175
<DD>tearing, 175
<DD>tortion testing, 44
</DL>
<DD><B>Smart Commerce Solutions</B>
<DL>
<DD>applications, 238-247
<DD>card administration, 232
<DD>Web site, 238-239
</DL>
<DD><B>Smart Shopper cards, 225</B>
<DL>
<DD>browsers, 240
<DD>cardholders
<DL>
<DD>controlling personal data, 236-237
<DD>frequent buyer points, 241
</DL>
<DD>files
<DL>
<DD>access conditions, 236-237
<DD>cardholder personal data, 232
<DD>cumulative purchases, 233-234
<DD>frequent buyer points, 232-233
<DD>layout, 230
<DD>master, 231-232
<DD>merchant external authentication, 232
<DD>sizes, 234-235
<DD>Smart Commerce Solutions card administration, 232
<DD>want lists, 233-234
</DL>
<DD>loyalty programs, 226-229, 231
<DD>merchants, 231
<DL>
<DD>Harvest Festival, 227-229
<DD>participation, 227-229
<DD>Scrivener&#146;s Corner, 227-229
</DL>
<DD>personalizing, 238
<DD>program components, 229-230
<DD>purchases
<DL>
<DD>handling on Web sites, 238-239
<DD>programs, 227-229
</DL>
<DD>scenarios for using, 228-229
<DD>security, 235-237
<DD>updating, 241
<DD>utilities, 242-247
<DD>Web sites
<DL>
<DD>purchasing, 242
<DD>updating, 239
</DL>
</DL>
<DD><B>SmartGate software, 124-125</B>
<DD><B>soft masks, 31, 174, 331</B>
<DL>
<DD>counterfeit cards, 174
</DL>
<DD><B>software, 5-6</B>
<DL>
<DD>assemblers, 136-137
<DD>card-side, 5-9, 171
<DL>
<DD>APIs, standards-based, 180-184
<DD>debugging, 176-177
<DD>file design, 178-179
<DD>integration, 177
<DD>linking, 177-178
<DD>loading, 177-178
<DD>memory, 172-174
<DD>readers, 179-180
<DD>scripting, 177
<DD>testing, 176-177
</DL>
<DD>chips, 136
<DD>compilers, 136-137
<DD>DCE/Snare, 124-125
<DD>debuggers, 138
<DD>developing
<DL>
<DD>time, 11, 30, 32
<DD>tools, 135-142
</DL>
<DD>emulators, 139-140
<DD>host, 5-9, 11
<DD>Intellisoft developments, 125
<DD>languages, 170
<DD>microcontrollers, 135
<DD>plug-ins, 124
<DD>reader interfaces, 129-135
<DD>security, 11-12
<DD>simulators, 138-139
<DD>smart card operating systems, 141
<DD>SmartGate, 124-125
<DD>SOLO, 141
<DD>systems, 6, 11, 124
<DD>testers, 139-140
<DD>tools, 142-143
<DD>V-ONE developments, 125
<DD><I>see also</I> applications
</DL>
<DD><B>software development kits, <I>see</I> SDKs</B>
<DD><B>SOLO software, 141</B>
<DD><B>specifications</B>
<DL>
<DD>cards, financial transactions, 41
<DD>smart cards, 53-56
<DD><I>see also</I> ANSI; ISO
</DL>
<DD><B>SPOM (self-programmable), 331</B>
<DD><B>SSPs (Smart Card service providers), 149, 250</B>
<DL>
<DD>DLLs (dynamic link libraries), 152
<DD>domain specific, 150
<DD>Multiflex C header file, 152-156
</DL>
<DD><B>stamped variants, 103</B>
<DD><B>stamps, 331</B>
<DD><B>standards, 326</B>
<DL>
<DD>American National Standards Institute, <I>see</I> ANSI
<DD>certificates, 218
<DD>IEC (International Electrotechnical Commission), <I>see</I> ISO (International Standards Organization) standards
<DD>ISO, <I>see</I> ISO
</DL>
<DD><B>STARCOS cards, 165</B>
<DD><B>Start bit, 331</B>
<DD><B>Status Display window (EZ Formatter), 118</B>
<DD><B>structures, APDU ISO/IEC 7816-4 standard, 68-71</B>
<DD><B>subscriber interface module, <I>see</I> SIM</B>
<DD><B>supervisory block (T=1 protocol), 66-67</B>
<DD><B>SVC (stored value card), 331</B>
<DD><B>SW1 byte, 65</B>
<DD><B>swallowing smart cards, 175</B>
<DD><B>symmetric algorithms, 331</B>
<DD><B>symmetric keys, 209-212, 331</B>
<DD><B>synchronous protocol, 331</B>
<DD><B>system</B>
<DL>
<DD>architecture, 19
<DD>design, 17
<DD>software, <I>see</I> software
</DL>
</DL>
<P><FONT SIZE="+1"><B>T</B></FONT></P>
<DL>
<DD><B>T=0 protocol, 57-60, 331</B>
<DL>
<DD>command header fields, 61-62
<DD>command header parameters, 64-65
<DD>error detection, 60-61
</DL>
<DD><B>T=1 protocol, 57-59, 65, 331</B>
<DL>
<DD>blocks, 66-67
</DL>
<DD><B>tag length value, <I>see</I> TLV</B>
<DD><B>tamper detection, 331</B>
<DD><B>tamper evident, 331</B>
<DD><B>tamper resistant, 331</B>
<DD><B>tamper response, 332</B>
<DD><B>TC 224, 54</B>
<DD><B>TCP/IP (Transmission Control Protocol/Internet Protocol), 124-125</B>
<DD><B>TE (terminal equipment), 332</B>
<DD><B>tearing smart cards, 175-176</B>
<DD><B>telephones (cellular), GSM 11.14, 181</B>
<DD><B>terminals</B>
<DL>
<DD>commands, 105-106
<DD>rogue, 105
<DD>security, 206-207
<DD>smart cards, identifying, 107-108
<DD><I>see also</I> interfaces, devices; readers
</DL>
<DD><B>TESA-7, 332</B>
<DD><B>testing</B>
<DL>
<DD>software, card-side, 176-177
<DD>testers, 139-140
<DD>tests, 177
</DL>
<DD><B>timing attack, 332</B>
<DD><B>TLV (tag length value), 179, 332</B>
<DD><B>toolbars (EZ Formatter), 118</B>
<DD><B>tools</B>
<DL>
<DD>smart cards
<DL>
<DD>editors, 116-117
<DD>EZ Formatter, 118-123
</DL>
<DD>software
<DL>
<DD>development, 116, 135-142
<DD>manufacturers, 142-143
</DL>
</DL>
<DD><B>TPDUs (Transmission Protocol Data Units), 59, 332</B>
<DD><B>transactions, 332</B>
<DL>
<DD>authentication, 201-202
<DD>authorization, 202-203
<DD>electronic purses, handling, 102
<DD>integrity, 203-204
<DD>logs, wrapping around cyclic files, 102
<DD>nonrepudiation, 204
<DD>privacy, 203, 220-221
<DD>processing, 158-159
<DD>security, 200
<DD>time, 332
</DL>
<DD><B>Transmission Protocol Data Units, <I>see</I> TPDUs</B>
<DD><B>Transmit function, overriding, 183</B>
<DD><B>transparent files, 13-14, 74, 88, 92, 332</B>
<DD><B>transport keys, 18, 90, 332</B>
<DL>
<DD>protocols, 90
<DD>purposes, 94
</DL>
<DD><B>Tritheim SmartPort reader, 130-132</B>
<DD><B>trust</B>
<DL>
<DD>brokers, 33
<DD>chain of, 216-217
<DD>establishing, 201-202
</DL>
<DD><B>TSA7 algorithm, 12</B>
</DL>
<P><FONT SIZE="+1"><B>U</B></FONT></P>
<DL>
<DD><B>U.S. National Institute for Standards and Testing, <I>see</I> NIST</B>
<DD><B>Unblock function, 151</B>
<DD><B>Unblock PIN command (Multiflex), 105, 311-312</B>
<DD><B>Unicode, 332</B>
<DD><B>unused fields, 291</B>
<DD><B>Update Binary command, 76, 99-100, 105</B>
<DL>
<DD>ISO 7816-4, 275-276
<DD>Multiflex, 312-314
</DL>
<DD><B>Update Record command, 77-78, 105</B>
<DL>
<DD>ISO 7816-4, 280-281
<DD>Multiflex, 314-315
</DL>
<DD><B>URLs (Uniform Resource Locators), 147-148</B>
<DD><B>USCO48 cards, 13</B>
<DD><B>User Auth function, 150</B>
<DD><B>utilities</B>
<DL>
<DD>card management, 242-247
<DD>Management Utility, 242-247
</DL>
</DL>
<P><FONT SIZE="+1"><B>V</B></FONT></P>
<DL>
<DD><B>V-ONE software developments, 125</B>
<DD><B>value checkers, 332</B>
<DD><B>vending machines, electronic purses, 104</B>
<DD><B>Verify button, 127</B>
<DD><B>Verify command (ISO/IEC 7816-4), 78-79, 127, 160, 284-285</B>
<DD><B>Verify Key command (Multiflex), 98, 105, 316-317</B>
<DD><B>Verify PIN command (Multiflex), 94, 100, 105, 315-316</B>
<DD><B>VerifySignature function, 152</B>
<DD><B>View Attributes button, 119</B>
<DD><B>virtual machine (Schlumberger), 184-185</B>
<DD><B>Visa</B>
<DL>
<DD>Cash cards, 332
<DD>CCPS (Chip Card Payment Service), 161, 171
<DD>ICC (Integrated Circuit Card), 147, 161-162
<DD>Open Technology Platform URL, 147
<DD>OTP (Open Technology Platform), 162
<DD>SET (Secure Electronic Transaction), 171
</DL>
<DD><B>voltage attack, 332</B>
</DL>
<P><FONT SIZE="+1"><B>W</B></FONT></P>
<DL>
<DD><B>Web sites</B>
<DL>
<DD>Aspects SmarTest system, 177
<DD>Cyberflex, 191
<DD>Java Card Forum, 185
<DD>JavaSoft, 185
<DD>purchases, 238
<DD>Smart Commerce Solutions, 238-239
<DD>Smart Shopper cards
<DL>
<DD>purchasing, 242
<DD>updating, 239
</DL>
</DL>
<DD><B>Windows</B>
<DL>
<DD>EZ Formatter
<DL>
<DD>Access Conditions, 121
<DD>Advanced Controls, 123
<DD>Attributes, 119
<DD>Builder, 120
<DD>Builder interface, 121
<DD>Directory/File Attributes, 120
<DD>Editor, 122
<DD>Log, 118-119
<DD>Security Manager, 119
<DD>Status Display, 118
</DL>
<DD>smart cards
<DL>
<DD>accessing, 250
<DD>possibility of, 146-147
</DL>
</DL>
<DD><B>wired logic card, 333</B>
<DD><B>Write Binary command (ISO 7816-4), 75-76, 274-275</B>
<DD><B>Write function, 151</B>
<DD><B>Write Record command (ISO 7816-4), 77, 164, 278-279</B>
<DD><B>write/erase time, 333</B>
</DL>
<P><FONT SIZE="+1"><B>X-Z</B></FONT></P>
<DL>
<DD><B>X.400, 55</B>
<DD><B>X.509, 55</B>
<DD>
<DD><B>zeroization, 333</B>
</DL>
<P><BR></P>
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