We can help you design your applications and suitable security architectures, implement the applets, or provide applet testing services. We are capable of taking on projects at any stage, whether a full design and development, an implementation of an existing specification, or an evaluation of a completed project. We provide our clients with full project lifecycle support, from project inception to deployment and, as a truly independent company, we can provide impartial advice. Our clients benefit from our extensive experience and commitment to quality services.

We understand the issues our customers face, with the increasing pressures of time-to-market, cost, functionality and security. Whether you are planning an entirely new card program, or taking an existing operation to the next level, we have the experience and expertise to help bring you card solutions to market faster and at less cost.

JavaCard Applet Development

Smart Card Solutions is one of Europe's leading players in the area of JavaCard TM applet development, programming and consultancy services. Our team has many years of experience in implementing JavaCard applications and we have played an important role in a number of groundbreaking projects. The extensive range of JavaCard applications that we have developed include:

• EMV payment applications
• File handling applications
• Identity (ICAO, Cardholder Database)
• PKCS#15
• E-Purse (CEPS and bespoke e-purse implementations)
• Transport (ITSO FVC2 Reference Implementation).

MULTOS Application Development

Smart Card Solutions employees were involved in the first implementation of the MULTOS TM operating system and have considerable experience in developing applications for this secure operating system, including the Mondex e-Purse and EMV payment applications. Our in-depth knowledge of the security enforcing functions of the MULTOS operating system allow us to produce the most secure applications for this platform.

Application Support Tools

Smart Card Solutions has developed a wide range of support tools to assist in the development, testing and configuration of smart cards, ranging from generic low level operating system support components to application loaders, card configuration and personalisation tools.

As part of our development suites we have provided a range of development tools including assemblers, debuggers, emulators, scripting engines and application loaders. These tools have been used extensively in the development and exhaustive testing of many applications, and have been adopted by several of our customers for further application development work. In addition to these general purpose tools, we have developed several fully bespoke tools in support of applications developed for customers.

Our comprehensive experience of all stages of the development cycle allows us to provide a complete solution to your application development, testing and card personalisation needs supporting you in all stages of your card development and deployment programmes.

Security Access Modules

Smart Card Solutions has developed JavaCard based Security Access Modules (SAM) for a range of schemes. These SAMs have been used to provide the cryptographic protection required to secure card content management (the load and personalization of applets) and to secure transactions between user cards and terminals.

The installation of applets on GlobalPlatform compliant cards requires a secure session between the host and the card. In order to safeguard the process of setting up such a session and the keys involved, Smart Card Solutions developed the OPSAM. This JavaCard TM applet provides the functionality required to open a secure session between the host and the card, denying access to secret keys and cryptographically protecting commands sent to the card. Smart Card Solutions has also developed the dlls required to exercise the OPSAM, providing a complete solution for the secure installation and personalization of applets on GlobalPlatform cards.

Smart Card Solutions has provided a number of schemes with SAMs that secure payment transactions when using Mifare TM purses. These SAMs control the processing of the transactions and cryptographically protect the records of all transactions. By incorporating the logic of the transaction process and the functionality required to support it in the payment SAM, the complexity of the terminal software is greatly reduced. Smart Card Solutions provides the dlls that are required to support the communication between the customer card the terminal and the SAM.

Transaction processing SAMs have been developed for both the Cornish bespoke e-Purse and the Cambridgeshire Mifare TM 4K Citizen Card e-purse.

Whatever your requirement for secure communications between terminals and cards, Smart Card Solutions has a cost-effective approach to delivering high performance and maximum security.