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What is a smart card chip?
A smart card chip is an integrated circuit (IC) embedded within a plastic card that is capable of storing and processing data, thereby offering improved security for authentication, financial transactions, and identification.
It functions as a secure, tamper-resistant computer, frequently utilizing microprocessors to create unique, one-time transaction codes. Alternative terms include chip card, IC card (Integrated Circuit Card), and smart card IC.
Key Features
- Secure Transactions: It is sed in EMV credit/debit cards, generating unique cryptograms for each purchase to prevent fraud.
- Authentication & Access: Also used for building access (RFID/NFC), secure network login (SSO), and employee identification.
- Data Storage & Security: Used for SIM cards, electronic passports, transit cards, and secure storage of health records
These chips provide a considerably enhanced level of security compared to magnetic stripe cards by storing encrypted data and executing cryptographic operations directly on the card.
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What is a smartcard used for?
Smart cards are capable of offering personal identification, authentication, data storage, and application processing.