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MULTOS
MULTOS is a multi-application smart card operating system, that enables a smart card to carry a variety of applications, from chip and pin application for payment to on-card biometric matching for secure ID and ePassport. MULTOS is an open standard whose development is overseen by the MULTOS Consortium – a body composed of companies which have an interest in the development of the OS and includes smart card and silicon manufacturers, payment card schemes, chip data preparation, card management and personalization system providers, and smart card solution providers. There are more than 30 leading companies involved in the consortium. One of the key differences of MULTOS with respect to other types of smart card OS, is that it implements a patented public key cryptography-based mechanism by which the manufacture, issuance and dynamic updates of MULTOS smartcards in the field is entirely under an issuer's control using digital certificates rather than symmetric key sharing. This c ...
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Smart Card
A smart card, chip card, or integrated circuit card (ICC or IC card) is a physical electronic authentication device, 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, mobile phones (SIM), 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, or SIM card, is also a type of smart card. , 10.5billion smart card IC chips are manufactured annually, including 5.44billion SIM card IC chips. Hist ...
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Biometrics
Biometrics are body measurements and calculations related to human characteristics. Biometric authentication (or realistic authentication) is used in computer science as a form of identification and access control. It is also used to identify individuals in groups that are under surveillance. Biometric identifiers are the distinctive, measurable characteristics used to label and describe individuals. Biometric identifiers are often categorized as physiological characteristics which are related to the shape of the body. Examples include, but are not limited to fingerprint, palm veins, face recognition, DNA, palm print, hand geometry, iris recognition, retina, odor/scent, voice, shape of ears and gait. Behavioral characteristics are related to the pattern of behavior of a person, including but not limited to mouse movement, typing rhythm, gait, signature, behavioral profiling, and credentials. Some researchers have coined the term behaviometrics to describe the latter class ...
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Semiconductor
A semiconductor is a material which has an electrical resistivity and conductivity, electrical conductivity value falling between that of a electrical conductor, conductor, such as copper, and an insulator (electricity), insulator, such as glass. Its electrical resistivity and conductivity, resistivity falls as its temperature rises; metals behave in the opposite way. Its conducting properties may be altered in useful ways by introducing impurities ("doping (semiconductor), doping") into the crystal structure. When two differently doped regions exist in the same crystal, a semiconductor junction is created. The behavior of charge carriers, which include electrons, ions, and electron holes, at these junctions is the basis of diodes, transistors, and most modern electronics. Some examples of semiconductors are silicon, germanium, gallium arsenide, and elements near the so-called "metalloid staircase" on the periodic table. After silicon, gallium arsenide is the second-most common s ...
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Cryptography
Cryptography, or cryptology (from grc, , translit=kryptós "hidden, secret"; and ''graphein'', "to write", or ''-logia'', "study", respectively), is the practice and study of techniques for secure communication in the presence of adversarial behavior. More generally, cryptography is about constructing and analyzing protocols that prevent third parties or the public from reading private messages. Modern cryptography exists at the intersection of the disciplines of mathematics, computer science, information security, electrical engineering, digital signal processing, physics, and others. Core concepts related to information security ( data confidentiality, data integrity, authentication, and non-repudiation) are also central to cryptography. Practical applications of cryptography include electronic commerce, chip-based payment cards, digital currencies, computer passwords, and military communications. Cryptography prior to the modern age was effectively synonymo ...
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Contactless Payment
Contactless payment systems are credit cards and debit cards, key fobs, smart cards, or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near-field communication (NFC, e.g. Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, or any bank mobile application that supports contactless) for making secure payments. The embedded integrated circuit chip and antenna enable consumers to wave their card, fob, or handheld device over a reader at the point of sale terminal. Contactless payments are made in close physical proximity, unlike other types of mobile payments which use broad-area cellular or WiFi networks and do not involve close physical proximity. EMV is a common standard used by major credit card and smartphone companies for use in general commerce. Contactless smart cards that function as stored-value cards are becoming popular for use as transit system farecards, such as the Oyster card or RioCard. These can ...
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Digital Signature
A digital signature is a mathematical scheme for verifying the authenticity of digital messages or documents. A valid digital signature, where the prerequisites are satisfied, gives a recipient very high confidence that the message was created by a known sender (authenticity), and that the message was not altered in transit (integrity). Digital signatures are a standard element of most cryptographic protocol suites, and are commonly used for software distribution, financial transactions, contract management software, and in other cases where it is important to detect forgery or tampering. Digital signatures are often used to implement electronic signatures, which includes any electronic data that carries the intent of a signature, but not all electronic signatures use digital signatures.

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Biometrics
Biometrics are body measurements and calculations related to human characteristics. Biometric authentication (or realistic authentication) is used in computer science as a form of identification and access control. It is also used to identify individuals in groups that are under surveillance. Biometric identifiers are the distinctive, measurable characteristics used to label and describe individuals. Biometric identifiers are often categorized as physiological characteristics which are related to the shape of the body. Examples include, but are not limited to fingerprint, palm veins, face recognition, DNA, palm print, hand geometry, iris recognition, retina, odor/scent, voice, shape of ears and gait. Behavioral characteristics are related to the pattern of behavior of a person, including but not limited to mouse movement, typing rhythm, gait, signature, behavioral profiling, and credentials. Some researchers have coined the term behaviometrics to describe the latter class ...
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Virtual Machine
In computing, a virtual machine (VM) is the virtualization/emulation of a computer system. Virtual machines are based on computer architectures and provide functionality of a physical computer. Their implementations may involve specialized hardware, software, or a combination. Virtual machines differ and are organized by their function, shown here: * '' System virtual machines'' (also termed full virtualization VMs) provide a substitute for a real machine. They provide functionality needed to execute entire operating systems. A hypervisor uses native execution to share and manage hardware, allowing for multiple environments which are isolated from one another, yet exist on the same physical machine. Modern hypervisors use hardware-assisted virtualization, virtualization-specific hardware, primarily from the host CPUs. * Process virtual machines are designed to execute computer programs in a platform-independent environment. Some virtual machine emulators, such as QEMU and video ...
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Run-time System
In computer programming, a runtime system or runtime environment is a sub-system that exists both in the computer where a program is created, as well as in the computers where the program is intended to be run. The name comes from the compile time and runtime division from compiled languages, which similarly distinguishes the computer processes involved in the creation of a program (compilation) and its execution in the target machine (the run time). Most programming languages have some form of runtime system that provides an environment in which programs run. This environment may address a number of issues including the management of application memory, how the program accesses variables, mechanisms for passing parameters between procedures, interfacing with the operating system, and otherwise. The compiler makes assumptions depending on the specific runtime system to generate correct code. Typically the runtime system will have some responsibility for setting up and managing ...
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Dynamic Allocation
In computer science, manual memory management refers to the usage of manual instructions by the programmer to identify and deallocate unused objects, or garbage. Up until the mid-1990s, the majority of programming languages used in industry supported manual memory management, though garbage collection has existed since 1959, when it was introduced with Lisp. Today, however, languages with garbage collection such as Java are increasingly popular and the languages Objective-C and Swift provide similar functionality through Automatic Reference Counting. The main manually managed languages still in widespread use today are C and C++ – see C dynamic memory allocation. Description Many programming languages use manual techniques to determine when to ''allocate'' a new object from the free store. C uses the malloc function; C++ and Java use the new operator; and many other languages (such as Python) allocate all objects from the free store. Determining when an object ought to be cre ...
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LIFO (computing)
In computer science, a stack is an abstract data type that serves as a collection of elements, with two main operations: * Push, which adds an element to the collection, and * Pop, which removes the most recently added element that was not yet removed. Additionally, a peek operation can, without modifying the stack, return the value of the last element added. Calling this structure a ''stack'' is by analogy to a set of physical items stacked one atop another, such as a stack of plates. The order in which an element added to or removed from a stack is described as last in, first out, referred to by the acronym LIFO. As with a stack of physical objects, this structure makes it easy to take an item off the top of the stack, but accessing a datum deeper in the stack may require taking off multiple other items first. Considered as a linear data structure, or more abstractly a sequential collection, the push and pop operations occur only at one end of the structure, referred to ...
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Stack Machine
In computer science, computer engineering and programming language implementations, a stack machine is a computer processor or a virtual machine in which the primary interaction is moving short-lived temporary values to and from a push down stack. In the case of a hardware processor, a hardware stack is used. The use of a stack significantly reduces the required number of processor registers. Stack machines extend push-down automata with additional load/store operations or multiple stacks and hence are Turing-complete. Design Most or all stack machine instructions assume that operands will be from the stack, and results placed in the stack. The stack easily holds more than two inputs or more than one result, so a rich set of operations can be computed. In stack machine code (sometimes called p-code), instructions will frequently have only an opcode commanding an operation, with no additional fields identifying a constant, register or memory cell, known as a zero address forma ...
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