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EMV Technology
EMV is a payment method based on a technical standard for smart payment cards and for payment terminals and automated teller machines which can accept them. EMV stands for " Europay, Mastercard, and Visa", the three companies that created the standard. EMV cards are smart cards, also called chip cards, integrated circuit cards, or IC cards, which store their data on integrated circuit chips, in addition to magnetic stripes for backward compatibility. These include cards that must be physically inserted or "dipped" into a reader, as well as contactless cards that can be read over a short distance using near-field communication technology. Payment cards which comply with the EMV standard are often called chip and PIN or chip and signature cards, depending on the authentication methods employed by the card issuer, such as a personal identification number (PIN) or digital signature. Standards exist, based on ISO/IEC 7816, for contact cards, and based on ISO/IEC 14443 for con ...
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JGC VISA01s
JGC Holdings Corporation, formerly , and before that , is a global engineering company headquartered in Yokohama, Japan. The company was founded on 25 October 1928. In 1976, it changed its original name from Japan Gasoline Co. to JGC Corp. In 2019, it changed its name to JGC Holdings Corporation to reflect its changed corporate structure. JGC participates in the design and construction of large energy projects, such as Al Zour Refinery, Nigeria LNG, Pearl GTL, Ichthys LNG, Gorgon LNG, Tangguh LNG and Dolphin Gas Project and over the course of the company's history it implemented over projects in 50 countries. The company is listed on the first section of Tokyo Stock Exchange and is a constituent of the TOPIX 100 and Nikkei 225 stock market indices In finance, a stock index, or stock market index, is an index that measures a stock market, or a subset of the stock market, that helps investors compare current stock price levels with past prices to calculate market ...
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ISO/IEC 14443
ISO/IEC 14443 ''Identification cards -- Contactless integrated circuit cards -- Proximity cards'' is an international standard that defines proximity cards used for identification, and the transmission protocols for communicating with it. Standard The standard is developed by ISO/IEC JTC 1 (Joint Technical Committee 1) / SC 17 (Subcommittee 17) / WG 8 (Working Group 8). Parts * ISO/IEC 14443-1:2018 Part 1: Physical characteristics * ISO/IEC 14443-2:2016 Part 2: Radio frequency power and signal interface * ISO/IEC 14443-3:2018 Part 3: Initialization and anticollision * ISO/IEC 14443-4:2018 Part 4: Transmission protocol Types Cards may be Type A and Type B, both of which communicate via radio at 13.56 MHz (RFID HF). The main differences between these types concern modulation methods, coding schemes (Part 2) and protocol initialization procedures (Part 3). Both Type A and Type B cards use the same transmission protocol (described in Part 4). The transmission protocol sp ...
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Gemalto
Gemalto was an international digital security company providing software applications, secure personal devices such as smart cards and tokens, and managed services. It was formed in June 2006 by the merger of two companies, Axalto and Gemplus International. Gemalto N.V.'s revenue in 2018 was €2.969 billion. The company was purchased by Thales Group in April 2019 and is now operating as Thales DIS (Digital Identity and Security). Gemalto was until its acquisition the world's largest manufacturer of Subscriber identity module, SIM cards. Thales DIS is headquartered in Amsterdam, The Netherlands, and has subsidiaries and group companies in several countries. It has approximately 15,000 employees in 110 offices; along with 24 production sites, 47 personalization centers, and 35 R&D centers in 47 countries. History In June 2006, smart card providers Gemplus and Axalto merged to become Gemalto (a portmanteau of the original company names.) Axalto was a Schlumberger IPO spin-off i ...
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Payment Cards
Payment cards are part of a payment system issued by financial institutions, such as a bank, to a customer that enables its owner (the cardholder) to access the funds in the customer's designated bank accounts, or through a credit account and make payments by electronic transfer and access automated teller machines (ATMs). Such cards are known by a variety of names including bank cards, ATM cards, client cards, key cards or cash cards. There are a number of types of payment cards, the most common being credit cards, debit cards, charge cards, and prepaid cards. Most commonly, a payment card is electronically linked to an account or accounts belonging to the cardholder. These accounts may be deposit accounts or loan or credit accounts, and the card is a means of authenticating the cardholder. However, stored-value cards store money on the card itself and are not necessarily linked to an account at a financial institution. It can also be a smart card that contains a unique card nu ...
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Addison-Wesley Professional
Addison-Wesley is an American publisher of textbooks and computer literature. It is an imprint of Pearson PLC, a global publishing and education company. In addition to publishing books, Addison-Wesley also distributes its technical titles through the O'Reilly Online Learning e-reference service. Addison-Wesley's majority of sales derive from the United States (55%) and Europe (22%). The Addison-Wesley Professional Imprint produces content including books, eBooks, and video for the professional IT worker including developers, programmers, managers, system administrators. Classic titles include ''The Art of Computer Programming'', ''The C++ Programming Language'', ''The Mythical Man-Month'', and ''Design Patterns''. History Lew Addison Cummings and Melbourne Wesley Cummings founded Addison-Wesley in 1942, with the first book published by Addison-Wesley being Massachusetts Institute of Technology professor Francis Weston Sears' ''Mechanics''. Its first computer book was ''Progra ...
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Jürgen Dethloff
Jürgen Dethloff (12 May 1924 in Stettin – 31 December 2002) was a German inventor and engineer. Achievements Together with German inventor Helmut Gröttrup he invented the smart card (chip card). A successor of the original chip is now used in tens of millions of credit cards. Patent Dethloff and Gröttrup filed an application for a patent on 13 Sep 1969. However, the patent was only granted on 1 April 1982. *"Einrichtung zur Durchführung von Bearbeitungsvorgängen mit wenigstens einem Identifikanden und einer Vorrichtung", Patentschrift DE-2760486C2 Awards * 1997: Rudolf-Diesel-Medaille The Rudolf-Diesel-Medaille is an award by the German Institute for Inventions (, D.I.E.) in memory of Rudolf Diesel for inventions and the entrepreneurial and economical implications accounting to the laureate. Since 1953 the award has been present ... References External links * Jürgen Dethloff', inventor gallery by Deutsches Patent- und Markenamt * Alles auf eine K ...
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Helmut Gröttrup
Helmut Gröttrup (12 February 1916 – 4 July 1981) was a German engineer, rocket scientist and inventor of the smart card. During World War II, he worked in the German V-2 rocket program under Wernher von Braun. From 1946 to 1950 he headed a group of 170 German scientists who were forced to work for the Soviet rocketry program under Sergei Korolev. After returning to West Germany in December 1953, he developed data processing systems and contributed to early commercial applications of computer science. In 1967 Gröttrup invented the basic principles of the smart card as a forgery-proof "key" for secure identification and access control. Education Helmut Gröttrup's father Johann Gröttrup (1881 – 1940) was a mechanical engineer. He worked full-time at the Bund der technischen Angestellten und Beamten (Butab), a federation for technical staff and officials of the social democratic trade union in Berlin. His mother Thérèse Gröttrup (1894 – 1981), born Elsen, was active in t ...
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Silicon
Silicon is a chemical element with the symbol Si and atomic number 14. It is a hard, brittle crystalline solid with a blue-grey metallic luster, and is a tetravalent metalloid and semiconductor. It is a member of group 14 in the periodic table: carbon is above it; and germanium, tin, lead, and flerovium are below it. It is relatively unreactive. Because of its high chemical affinity for oxygen, it was not until 1823 that Jöns Jakob Berzelius was first able to prepare it and characterize it in pure form. Its oxides form a family of anions known as silicates. Its melting and boiling points of 1414 °C and 3265 °C, respectively, are the second highest among all the metalloids and nonmetals, being surpassed only by boron. Silicon is the eighth most common element in the universe by mass, but very rarely occurs as the pure element in the Earth's crust. It is widely distributed in space in cosmic dusts, planetoids, and planets as various forms of silicon dioxide ( ...
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Forgery
Forgery is a white-collar crime that generally refers to the false making or material alteration of a legal instrument with the specific intent to defraud anyone (other than themself). Tampering with a certain legal instrument may be forbidden by law in some jurisdictions but such an offense is not related to forgery unless the tampered legal instrument was actually used in the course of the crime to defraud another person or entity. Copies, studio replicas, and reproductions are not considered forgeries, though they may later become forgeries through knowing and willful misrepresentations. Forging money or currency is more often called counterfeiting. But consumer goods may also be ''counterfeits'' if they are not manufactured or produced by the designated manufacturer or producer given on the label or flagged by the trademark symbol. When the object forged is a record or document it is often called a false document. This usage of "forgery" does not derive from metalwork d ...
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Point Of Sale
The point of sale (POS) or point of purchase (POP) is the time and place at which a retail transaction is completed. At the point of sale, the merchant calculates the amount owed by the customer, indicates that amount, may prepare an invoice for the customer (which may be a cash register printout), and indicates the options for the customer to make payment. It is also the point at which a customer makes a payment to the merchant in exchange for goods or after provision of a service. After receiving payment, the merchant may issue a receipt for the transaction, which is usually printed but can also be dispensed with or sent electronically. To calculate the amount owed by a customer, the merchant may use various devices such as weighing scales, barcode scanners, and cash registers (or the more advanced "POS cash registers", which are sometimes also called "POS systems"). To make a payment, payment terminals, touch screens, and other hardware and software options are available. ...
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Debit Card
A debit card, also known as a check card or bank card is a payment card that can be used in place of cash to make purchases. The term '' plastic card'' includes the above and as an identity document. These are similar to a credit card, but unlike a credit card, the money for the purchase must be in the cardholder's bank account at the time of a purchase and is immediately transferred directly from that account to the merchant's account to pay for the purchase. Some debit cards carry a stored value with which a payment is made (prepaid card), but most relay a message to the cardholder's bank to withdraw funds from the cardholder's designated bank account. In some cases, the payment card number is assigned exclusively for use on the Internet and there is no physical card. This is referred to as a virtual card. In many countries, the use of debit cards has become so widespread they have overtaken checks in volume, or have entirely replaced them; in some instances, debit cards ...
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Credit Card
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the other agreed charges). The card issuer (usually a bank or credit union) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. There are two credit card groups: consumer credit cards and business credit cards. Most cards are plastic, but some are metal cards (stainless steel, gold, palladium, titanium), and a few gemstone-encrusted metal cards. A regular credit card is different from a charge card, which requires the balance to be repaid in full each month or at the end of each statement cycle. In contrast, credit cards allow the consumers to build a continuing balance of debt, subject to interest being charged. A credit car ...
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