Smart Cards Can Provide

Smart cards can provide identification, authentication, data storage and application
processing. Smart cards may provide strong security authentication for single sign-on (SSO)
within large organizations.
Smart cards bring security, convenience and ease-of-use to millions of people worldwide.
Smart cards find their place in a wide and growing range of applications from mobile
telephony to CRM, loyalty, and to the development of next generation applications and
services. With broad industry acceptance witnessed by increasing demand, ANGLER is
constantly on the look for innovative smart card based solutions. Smart cards are proving to
be of great value in applications like Employee Smart Card, Automated Attendance System,
Electronic cash, Security, Access control, Transportation and IC Tags.








Applications
Financial
Smart cards serve as credit or ATM cards, fuel cards, mobile phone SIMs, authorization cards
for pay television, household utility pre-payment cards, high-security identification and
access-control cards, and public transport and public phone payment cards. Smart cards may
also be used as electronic wallets. The smart card chip can be "loaded" with funds to pay
parking meters, vending machines or merchants. No connection to a bank is needed. The
holder of the card may use it even if not the owner. These are the best known payment cards
(classic plastic card):
 Visa: Visa Contactless, Quick VSDC, "qVSDC", Visa Wave, MSD, payWave
 MasterCard: PayPass Magstripe, PayPass MChip
 American Express: ExpressPay
 Discover: Zip
Non-EMV cards work like magnetic stripe cards. This is common in the U.S. (PayPass
Magstripe and VISA MSD). The cards do not hold or maintain the account balance. All
payment passes without a PIN, usually in off-line mode. The security of such a transaction is
no greater than with a magnetic stripe card transaction.
EMV cards can have either contact or contactless interfaces. They work as if they were a
normal EMV card with a contact interface. Via the contactless interface they work somewhat
differently, in that the card commands enabled improved features such as lower power and
shorter transaction times.
SIM
The subscriber identity modules used in mobile-phone systems are reduced-size smart cards,
using otherwise identical technologies.
Identification
Smart-cards can authenticate identity. Usually, they employ a public key infrastructure (PKI).
The card stores an encrypted digital certificate issued from the PKI provider along with other
relevant information. Smart cards are not always privacy-enhancing, because the subject may
carry incriminating information on the card. Contactless smart cards that can be read from
within a wallet or even a garment simplify authentication; however, criminals may access
data from these cards.
Cryptographic smart cards are often used for single sign-on. Most advanced smart cards
include specialized cryptographic hardware that uses algorithms such as RSA and DSA.
Today's cryptographic smart cards generate key pairs on board, to avoid the risk from having
more than one copy of the key (since by design there usually isn't a way to extract private
keys from a smart card). Such smart cards are mainly used for digital signatures and secure
identification.
Smart cards may identify emergency responders and their skills. Cards like these allow first
responders to bypass organizational paperwork and focus more time on the emergency
resolution. In 2004, The Smart Card Alliance expressed the needs: "to enhance security,
increase government efficiency, reduce identity fraud, and protect personal privacy by
establishing a mandatory, Government-wide standard for secure and reliable forms of
identification". Emergency response personnel can carry these cards to be positively
identified in emergency situations. WidePoint Corporation, a smart card provider to FEMA,
produces cards that contain additional personal information, such as medical records and skill
sets.

Public transit
Smart cards and integrated ticketing are used by many public transit operators. Card users
may also make small purchases using the cards. Some operators offer points for usage,
exchanged at retailers or for other benefits.
[18]
Examples include Singapore's CEPAS, Hong
Kong's Octopus Card, London's Oyster Card, Dublin's Leap card, Brussels' MoBIB,
Québec's OPUS card, San Francisco's Clipper card and Sydney's Opal card. However, these
present a privacy risk because they allow the mass transit operator (and the government) to
track an individual's movement. In Finland, for example, the Data
Protection Ombudsman prohibited the transport operator Helsinki Metropolitan Area
Council (YTV) from collecting such information, despite YTV's argument that the card
owner has the right to a list of trips paid with the card. Earlier, such information was used in
the investigation of the Myyrmanni bombing.
The UK's Department for Transport mandated smart cards to administer travel entitlements
for elderly and disabled residents. These schemes let residents use the cards for more than
just bus passes. They can also be used for taxi and other concessionary transport. One
example is the "Smartcare go" scheme provided by Ecebs.
[19]
The UK systems use
the ITSO_Ltd specification.

Computer security
Smart cards can be used as a security token.
The Mozilla Firefox web browser can use smart cards to store certificates for use in secure
web browsing
Some disk encryption systems, such as FreeOTFE, TrueCrypt and Microsoft Windows
7 BitLocker, can use smart cards to securely hold encryption keys, and also to add another
layer of encryption to critical parts of the secured disk. GnuPG, the well known encryption
suite, also supports storing keys in a smartcard.
Smart cards are also used for single sign-on to log on to computers.
Smart card support functionality has been added to Windows Live passports.
Schools
Smart cards are being provided to students at schools and colleges.
[23][24][25]
Uses include:
 Tracking student attendance
 As an electronic purse, to pay for items at canteens, vending machines, laundry facilities,
etc...
 Tracking and monitoring food choices at the canteen, to help the student maintain a
healthy diet
 Tracking loans from the school library
 Access control for admittance to restricted buildings, dormitories, and other facilities.
This requirement may be enforced at all times (such as for a laboratory containing
valuable equipment), or just during after-hours periods (such as for an academic building
that is open during class times, but restricted to authorized personnel at night), depending
on security needs.
 Access to transportation services

Healthcare
Smart health cards can improve the security and privacy of patient information, provide a
secure carrier for portable medical records, reduce health care fraud, support new processes
for portable medical records, provide secure access to emergency medical information,
enable compliance with government initiatives (e.g., organ donation) and mandates, and
provide the platform to implement other applications as needed by the health care
organization.
Other uses
Smart cards are widely used to protect digital television streams. VideoGuard is a specific
example of how smart card security worked.
Attendance & Payroll: This application utilizes Smart Card technology in tracking and
monitoring HR and Payroll related information for any organization.
Features
 Time tracking solution & Time report generation
 Attendance management software
 Leave tracking & absence management
 Payroll & expense management
Loyalty Management: This Smart Card based solution is extremely useful in the retail chain
outlets and shopping malls replacing the traditional modes of transactions through vouchers,
coupons and tickets.



Features
 Offline / Online accessibility
 Multiple outlet usage facility
 Supports inclusion of loyalty points, redemption
 Management of customer data
Campus Management & Library Solution: This is a one-card-fits-all solution allows
efficient handling of the campus management activities – student information, library usage,
laboratory usage, computer usage and canteen management. The facility can be extended to
photocopying and other stationery requirements within the campus.
Club Management: This Smartcard-based application caters to a variety of payment
requirements for clubs, golf courses, amusement parks and fairs – this solution is a cashless
payment system bringing in flexibility for payment and operations like accessibility to
facilities, payment for restaurant bills, payment at the vending machines etc.
Features
 Cashless payment
 Centralized data storage
 Tracking of purchases
 Authenticated Access control
 Vendor & contract management
Electronic Cash: This application is a Smartcard driven solution that eliminates the need
to carry hard cash for transactions and enforces electronic payment through card. E-Cash
differs from credit / debit card payments, in offering security through the chip embedded in
the card.
Features
 Universities and Educational Institutions
 Canteens and Vending Machines
 Hospitals
 Amusement Parks
Visitor Management: This electronic card based solution helps organizations to monitor
the entry, exit and movement of visitors within the premises. It also helps in restricting the
movement to certain restricted/prohibited zones.
Features
 Multiple visitor entry
 Centralized data base
 Issuance of customized visitor passes
 Secured entry & exit


Use of Smart Cards in Goa
License
RTO offices in the state have achieved connectivity pertaining to smart card driving licences
and vehicle registrations. These smart card driving licences have chips embedded in them
with details of the person in whose name they are is issued. Theoretically these can be
accessed by any department like police. At present any RTO office can check these details if
the person is registered anywhere in the state. Work on connectivity with other departments is
in progress. The software is developed by NIC. Connectivity among the RTO offices is there.
However, connectivity with the police is in the pipeline. There are two types of programmes
– state and national. For vehicle registration, all the details are entered into the state register
and then loaded onto the national register, the director of transport said, adding that the
details of any vehicle are on their fingertips. Officers said that computerised vehicle
registration has proved to be quite effective pointing to a recent incident when the police
wanted details of a certain coloured vehicle involved in a incident in South Goa and the
information was given to them within the hour. However, they concede that if the
interconnectivity is there as envisaged then the work would become much quicker especially
in cases of law and order and given that the nation is under threat from various ways.

Smart card for driver licensing has been a recommendation of the Institute of Road Traffic
Education or IRTE that has said that smart cards for driver licensing and vehicle registration
are of prime importance for enforcement of road safety laws. The IRTE has recommended
that compliance by all states and UTs for issuance of such cards and updating computerized
data for the past 10 years should not be compromised with. Central government must make
such investments to enable national sharing of such data. It also called for more interaction
between the transport and police departments with the military police and driver training
departments in the Armed Forces for better coordination and sharing of technology in driver
training and enforcement.

Institute of Road Traffic Education (IRTE), a non-profit organization, was formed in
December 1991 by an interdisciplinary group of members including educationists, doctors,
journalists, engineers, ex-servicemen, architects, and automobile experts and members of the
police etc with a single aim to make the Indian roads safer for those who use them. IRTE is
working towards its objectives in close association with various stakeholders including
several corporate citizens, individuals and institutions, national and state governments and
undertakes diverse programmes and activities around the year.
The Governor, Dr S S Sidhu, in his speech to the assembly recently had announced that the
scheme of smart card driving licence had been commissioned in RTOs at Panaji, Margao,
Mapusa, Vasco, Bicholim, Quepem and Ponda and under this project, 17,040 fresh smart card
licences had been issued, and 55,586 vehicles had been registered.

Agri Card

Being a critical department of the Government , and considering its wide spread of activities
the Directorate of Agriculture intends to implement a complete technology based system to
monitor and deliver its services efficiently to the prime stakeholder i.e. the Farmer.

Directorate of Agriculture’s prime aim is to promote Agriculture by supporting the farmers
through effective management and execution of various schemes and disbursement of
subsidy availed thereby. Hence Directorate of Agriculture approached GEL for development
and roll out an enterprise software solution which would have a prime focus on registration of
farmers and issuances of “Krishi Card” to each farmer. Another major component of the
software would facilitate linking of the “Krishi Card” to the benefits availed by the farmers
for effective management of the various schemes implemented by the Directorate of
Agriculture along with managing their subsidy availed.

GEL proposed a complete solution and roll-out plan and the same has been accepted by
Directorate of Agriculture.

The modules to be covered are as mentioned below:
1. Farmer Registration.
2. Issuance of Smart Card for Registered Farmers.
3. Scheme for Fencing Assistance.
4. Scheme for Agricultural Mechanization.
5. Scheme for Support Price
6. Issuance of Smart Card for Registered Farmers.
7. Schemes for CM-Krishi Yojana. 8. Linking Farmer data to HORTNET.

The details of each of the modules of Phase are as listed.

1. Registration of Farmers with Land Details
a. Registration and Maintaining Farmers Information Department of Agriculture needs to
maintain details of farmers/organizations. This module will provide screen for entering data
(i.e registering) farmer/ organizations. This data will include Personal details of the farmer,
Address, Electoral details, Family, Bank details, photo and fingerprint, Property details, Land
details, etc. of the farmer/organization. The farmer registration process will be carried out at
the Zonal Agricultural Office. All the applications received towards registration will be
entered in this module and the relevant documents will be uploaded and linked with the
application. The system will prevent any invalid data entry. The compulsory fields in the
application such as name, relative details, birth registration number, certificate details,
address, Bank details, property details etc will ensure the data is received in complete format.

b. Land Details Additionally, Department of Agriculture needs to maintain details of
farmers/organizations land records. This module will keep track of lands registered on
farmer’s name. The linkage of registered farmer with the land details will reduce the burden
of the farmer for carrying/organizing the documents for availing the schemes.
2. Issuance of Smart Card to Farmers
This module will allow creation and printing of smart card for each authorized registered
farmer/organization. All the data enrolled and then authorized in the eKrishi application will
be pulled by this module. The data is then written on to the smart card. The chip on the card
will store farmer's personal details, land records, biometric credentials (fingerprint and photo)
along with UID (AADHAAR). Provision will be provided in the software to add additional
data on to the chip of the card towards schemes availed etc. The visual layout of the smart
card will carry basic information such as name, address, farmers unique ID and any other
basic details departments intends to have. The ZAO representative will be issued with a
authorization card for activating the personalized card. The activated card can then be handed
over to the farmer.
3. Linking Farmer registration Data to HORTNET

The department has a requirement of registering all the farmers on to HortNet portal. As
much of the farmers are unaware of computer technology and will face hardship in
registering their details. The best possible solution for this would be to link the farmer details
from the eKrishi application on to the HortNet server. This module will help in integrating
the above mentioned solution. The module after authorization of farmer will segregate the
farmer information as required by HortNet and will upload on to the HortNet server. The
acknowledgement details from the HortNet server will be also stored on the departmental
server. Any failed updations due to network communication error will be uploaded as soon as
the issue is resolved automatically. This will integrate farmer's details with HORTNET so
that the farmers don’t have to register again.
4. CM Krishi Yojana :
This is a new scheme devised to provide loans to a registered farmer who does not possess
clear documents or those who are unable to furnish documents due to non possession of
same. This module would facilitate mechanism to verify details of all farmers and track all
farmers availing the scheme.
5. Implementation of Scheme providing Assistance for Fencing. .
In order to save crops from damage due to domestic and wild animals and to encourage area
expansion of crops, DOA provides financial assistance on various types of fencing for the
farms. This module will facilitate department with tracking details of all farmers who have
availed schemes under assistance for Fencing.
6. Implementation of Scheme for Agricultural Mechanization
Directorate of agriculture provides subsidy on hire service charges of various agricultural
machinery for land preparation and harvesting. Directorate also provides assistance to
purchase agricultural machinery and equipments. DOA provides uniform subsidy of
standard/admissible cost to individual or group of farmers.
This module will help department in tracking details of all farmers who have availed schemes
under Agricultural Mechanization.
7. Implementation of Scheme for Support Price
To assure the farmer of minimum rate in advance and to encourage them to venture into
investments in agriculture, DOA has devised schemes and pattern of assistance. Produce
covered under this schemes are: a)Areca nut b)Coconut c)Cashew nut d)Paddy e)Sugarcane f)
Alsando.
This module will facilitate calculation of subsidy pertaining to each of the support price
scheme with the current prices devised by the department and will track details of farmers
availing schemes and support price.
Krishi card is a smart card with 64 KB storage capable of storing complete details of the
farmer including biometric, land records, agricultural/dairy details, demographics and subsidy
transaction. It is an attempt by the Government of Goa to revive the agriculture and allied
sector and focus on making it a vital support tool for the economy of the state. The farmer
currently needs to carry loads of documents to avail various schemes/subsidies of the
Government. The farmer needs to struggle a lot to obtain & compile these documents from
various departments for every scheme to be availed. rishi card will introduce a mechanism to
uniquely identify every goan farmer and maintain a complete history of all his land holdings,
assets and subsidies availed.