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FNMT WG10
FNMT WG10 is a multi-application and multi-purse card that complies with European standard CEN WG10*. Its main feature is to facilitate the existence of different associated accounts on the same card. Although each issuer can set up his own use conditions in closed environments, the card is equipped with a files structure that enables it to be used through different issuers in open environments.
The FNMT WG10 card can be used in non-financial applications, such as universities, transport, etc.
(*) The FNMT-RCM offers a range of cards including different electronic purses based on the CEN WG10- standard, with all the functions and security features necessary to form a highly secure system of payment with minimal operating costs.
| Technical File | |
| CPU | SLE44C20S, SLE44C80S, SLE44C160S |
| ROM | 17 Kbytes |
| RAM | 256 bytes |
| EEPROM | 2, 8, 16 Kbytes |
| Energy saving | STOP & LOW modes |
| Security | High/low voltage sensor, low frequency sensor, chip protection layer |
| Technical Features | |
| Purse transaction | Automatic Historic File Management All the purse transactions are made in secure mode: - Load/Reload - Usage - Currency Exchange |
| Security | Triple DES encryption algorithm. Single session key for each transaction. Active authentication between card and terminal. Generation of electronic signature and verification. PIN validation. "Integrity Mechanism" to prevent loss of data if the card is withdrawn during an operation, or the transaction has not been completed. |
| Standardization | ISO 7816-1 / -2 / -3 (T=30) and 7816-4 in files and commands structure. WG10 CEN/TC224/WG10 Intersector Electronic Purse |
TIBC
The TIBC* electronic purse includes all the security functions and features needed to implement a payment system with appropriate security levels and operating costs.
It is a multi-application and multi-purse card that allows the existence of different accounts associated to the same card. In this way, even though each issuer can establish his own use conditions in closed environments, the card is equipped with a filing and coding structure and can be used by different issuers in open environments. It is the solution adopted by Visa Spain and Latin-American for their electronic purse Visa Cash.
In the same way, the TIBC is oriented towards services in non-financial applications. In fact, the Spanish Social Security chose it for their TASS project (Social Security Card).
(*) TIBC is manufactured by authorization of SERMEPA
| Technical File | |
| CPU | SLE44C42S, SLE44C80S, ST16SF48 |
| ROM | 15 -16 Kbytes |
| RAM | 240-256 bytes |
| EEPROM | 4 and 8 Kbytes |
| Programming voltage | Internally generated |
| Power saving modes | STOP&LOW modes |
| Security | Watchdog capability under software control. High voltage sensor. Anti-DPA protection |
| Technical Features | |
| Purse Transaction | Customized certified card debit operation (optional). Customized secure card credit/reload (optional). Card balance check. Internal account management with limits checking |
| Security | Active authentication by means of DES between card and terminal. Generation of electronic signature and verification, using DES. PIN validation. "Mirror zone" to prevent loss of data if the card is withdrawn during operation |
| Standardization | ISO 7816-1 / -2 / -3 (T= 0) and 7816-4 in files and commands structure |
FNMT WGPV
The FNMT WGPV card is a multi-application and multi-purse card that complies with the European standard CEN WG10*. These features facilitate the existence of different accounts associated to the same card. Although each issuer can establish his own use conditions in closed environments, the card is equipped with a file and data encoding structure that allows it to be utilized by different issuers in open environments.
The FNMT WGPV may also be utilized for non-financial applications.
(*) The FNMT-RCM card catalog offers different electronic purses based on the CEN WG10 standard, with all the security functions and features necessary to form a payment system with a high level of security and minimal operating costs.
| Technical File | |
| CPU | SLE44C24S |
| ROM | 26 Kbytes |
| RAM | 256 bytes + 512 bytes of XRAM |
| EEPROM | 2 Kbytes |
| Power saving modes | STOP&LOW modes |
| Security | High/low voltage sensor, low frequency sensor, chip protection layer, anti-DPA protection. Technical Features |
| Technical Features | |
| Purse transaction | Automatic Historic File Management. All purse transactions are made in secure mode: - Load/Re-load. - Usage. - Currency exchange. - PCOS emulation. |
| Security | Triple DES cryptographic algorithm. Single session key used for each transaction. Active authentication between card and terminal. Generation of electronic signature and verification. PIN validation. "Integrity Mechanism" to prevent loss of data if the card is withdrawn during an operation or the transaction has not been completed. |
| Standardization | ISO 7816-1 / -2 / -3 (T=0) and 7816-4 in files and commands structure. WG10 CEN/TC224/WG10 Intersector Electronic Purse. FNMT WGPV Functional Specifications. |
FNMT EMV VISA
The FNMT EMV VISA card supports a debit/credit application, certificated by VISA and based on EMV specifications. This application enables the issuer to adapt the card profile to different types of user. In this way the card will analyze for itself the risk of each transaction and will act accordingly, either approving or rejecting the transaction without connecting to the issuer’s host, and/or connecting with the issuer to receive approval, etc.
In addition to the EMV debit/credit application, the FNMT EMV VISA is a multi-application and multi-purse card that complies with the European standard CEN WG10*; these features facilitate the existence of different accounts associated to the same card. Although each issuer can establish his own use conditions in closed environments, the card is equipped with a file and data coding structure that enables it to be used by different issuers in open environments.
The FNMT EMV VISA card can also be used for non-financial applications.
(*) The FNMT-RCM card catalog offers different electronic purses based on the CEN WG10 standard, with all the security functions and features necessary to form a payment system with a high level of security and minimal operating costs.
| Technical File | |
| CPU | ST19SF04 |
| ROM | 32 Kbytes |
| RAM | 960 bytes |
| EEPROM | 4 Kbytes |
| Security | Memory firewalls, flash erase, and anti-DPA protection. |
| Technical Features | |
| Purse transaction | The transaction can be approved with or without connecting to the issuing entity. The card self-analyses the transaction risks and decides accordingly. It admits issuer commands, including: - Modifying the card's risk management parameters. - Blocking / unblocking of the application. - Change / unblocking of the PIN. - Blocking of the card. |
| Security | Triple DES cryptographic algorithm. Single session key used for each purse transaction. Different session keys used for each transaction and for each issuer command in EMV applications. Static authentication between card and terminal. Generation of electronic signature and verification. PIN validation. "Integrity Mechanism" to prevent loss of data is the card is withdrawn during an operation or the transaction has not been completed. |
| Standardization | ISO standards 7816-1 / -2 / -3 (T= 0) and 7816-4 in files and commands structure. EMV'96 Integrated Circuit Card Specification for Payment Systems, version 3.1.1. VISA Integrated Circuit Card (ICC) Specifications, version 1.3.2 9VIS 1/3/2). WG10 CEN/TC224/WG10 Intersector Electronic Purse. WGPV Stored Value Card + EMV Debit/Credit (SIBS) |
FNMT EMV MASTERCARD
The FNMT EMV Mastercard supports a Europay debit / credit application based on EMV specifications. This application allows the issuer to adapt the card profile to different types of user. It will analyze for itself the risk of each transaction and will act accordingly, approving or rejecting the transaction without connecting to the issuer’s host, and/or connecting to the issuer to receive approval, etc.
It is a multi-application and multi-purse card that complies with the European standard CEN WG10*. These features facilitate the existence of different accounts associated with the same card. Although each issuer can establish his own use conditions in closed environments, the card is equipped with a file and data encoding structure that enables it to be used by different issuers in open environments.
| Technical File | |
| CPU | ST19WS04 |
| ROM | 64 Kbytes |
| RAM | 2 Kbytes |
| EEPROM | 4 Kbytes |
| Security | Hardware security enhanced DES accelerator. Security firewalls for the memories. Flash Erase EEPROM. Internal clock management. Environment sensors. Signal filtering. |
| Technical Features | |
| Features of EMV Debit / credit transactions | The transaction can be approved with or without connecting to the issuing entity. The card analyses for itself the transaction risk and decides accordingly. It will accept issuer commands, including: - Modifying the card's risk management parameters. - Blocking / unblocking of the application. - Change / unblocking of the PIN |
| Security | Triple DES cryptographic algorithm. Single session key used for each purse transaction. Different session keys used for each transaction and for each issuer command in EMV applications. Static authentication between card and terminal. Generation of electronic signature and verification. PIN validation. "Integrity Mechanism" to prevent loss of data if the card is withdrawn during an operation or the transaction has not been completed. |
| Standardization | ISO 7816-1 / -2 / -3 (T= 0) and 7816-4 in files and commands structure. EMV'96 Integrated Circuit Card Specification for Payment Systems, version 3.1.1 EUROPAY Integrated Circuit Card Application Specification, version 2.1 EUROPAY Off - The - Shelf Card Profile, version 2.1 WG10 CEN/TC224/WG10 Intersector Electronic Purse. |
FNMT Advantis and Advantis Crypto Cards
Advantis is a SERMEPA multi-application and multi-currency operating system that combines EMV standard and electronic purse financial applications in a single chip. It enables the transfer of credit and debit functions from the magnetic stripe to the chip, or the inclusion in the chip of functions and uses complementary to those of the electronic purse, such as transport applications, loyalty programs, university applications, presence control, access control, etc.
The Advantis Crypto card, in addition to the above features, contains a crypto-processor that enables the generation of digital signatures by RSA keys, thus allowing the incorporation of numerous PKI applications, such as the sending and receiving of encrypted electronic mail, logical
and physical access control, single sign on, etc.
| Technical File | |
| CPU | ADVANTIS CARD: ST19SFXX, SLE66CXXS. ADVANTIS CRYPTO CARD: SLE66CX160P, ST19XL18. |
| EEPROM | ADVANTIS CARD: 2, 4, 8, 16 Kbytes. ADVANTIS CRYPTO CARD: 16 Kbytes. |
| EMV Application | EMV 3.1.1 specifications. Off-line authentication (SDA in the Advantis and SDA/DDA in the Advantis Crypto). Parameterized EMV application. |
| Multi-application | ADVANTIS CARD: - Purse property of SERMEPA 3DES ePurse. - EEPROM memory available for other applications ADVANTIS CRYPTO CARD: - Purse property of SERMEPA 3DES ePurse. - EEPROM memory available for other applications - CEPS 2.3 Purse. - PKI (X-509) digital signature generation |
| Technical Features | |
| Features of the cards | Visa Security Review. Mastercard Cast. Transport protocol T=0. PIN clear/encrypted text. ISO 7816 -3 |
| Cryptographic features | ADVANTIS CARD - 3DES security in CBC mode. - Authentication of the external application with 3DES. - Restricted access to internal data, requiring cryptographic checks. ADVANTIS CRYPTO CARD - 3DES security in CBC mode. - Authentication of the external application with 3DES. - Restricted access to internal data, requiring cryptographic checks. - Calculation of RSA signatures. - Card authentication with 3DES and RSA digital signatures. - Internal generation of RSA keys |
FNMT Ceres + WG10
The Ceres+WG10 card combines cryptographic and electronic purse functionalities in a single chip. It provides all the security features of the Ceres card as regards signature creation secure device. It is also a multi-application and multi-purse card that complies with the CEN WG10 standard, and it can also be utilized in non-financial applications such as universities, transport, etc.
| Technical Features | |
| CPU | ST19XL34v2 |
| ROM | 96 Kbytes with ST19XL34v2. |
| RAM | 4 Kbytes with ST19XL34, organizable in partitions |
| EEPROM | 34 Kbytes (ST19XL34v2) |
| Cryptographic operations | Enables the storage and use of keys of up to 2,176 bits with the ST19XL34v2 component. Generation and verification of RSA digital signatures. RSA encryption and decryption. Generation of RSA keys. Triple DES encryption and decryption. Hash encryption via the SHA-1 algorithm. |
| Security | Dynamic memory encryption/buses with different keys. Sensors to control voltage and frequency. Random number generator. CRC calculation module. |
| Standardization | ISO 7816-1/-2/-3 (T=0) and 7816-4 in file structure and orders. Interoperability specifications between Personal Computers and Smart Cards PC/SC and CSP (Crypto Service Provider) signed by Microsoft. Cryptographic interface PKS#11 version 22.01 developed for this card. Common Criteria EAL4+ security certificate. |
| Application | Storage and management of digital certificates X.509v3. Secure mail: encryption and/or signature, decryption and verification. Secure client-server connection. Windows log-on. Purse transaction applications: automatic management of historical files, load/reload, balance remaining and currency exchange. Non-financial applications: universities, transport, etc. |
| Security features | Internal Card-Terminal authentication. External user and application authentication. Integrity services via generation and verification of digital RSA signatures In-card generation of RSA keys Confidentiality mechanisms for secure exchange of encryption keys. Generación de claves RSA en tarjeta. "Mirror zone" to prevent loss of data if the card is withdrawn during operation. |
MIFARE dual cards
Dual cards enclose an independent contactless chip and a contact chip in the same card. An antenna inside the card enables the contactless chip to communicate with the reader without physical contact.
The contactless chip is the ideal solution for transactions that must be processed very fast and for activities of substantial transit (tolls, transport applications, access control, etc.). The contact chip can be any one of those that the FNMT-RCM has in its product catalog.
Dual cards combine the advantages of contactless cards with those of contact cards.
Key advantages of the contactless cards:
- Low wear and tear due to the absence of contact between card and reader.
- Speed and ease of use.
- Short transaction times: High speed communication (radio-frequency) between card and terminal.
| Technical File | |
| CPU | SLE66R35 |
| EEPROM | 1 Kbyte |
| Contactless features | Data transfer without contact. Distance between reading and writing: from 0 cm to 10 cm. Data transfer speed: 106 kbit/s. Anti-collision logic: several cards may operate simultaneously. Short transaction times: <100 ms. |
| Security | Mutual authentication between card and reader. Data encryption via RF channel. Protected access to EEPROM memory. Single series number. Separate sets of keys for different applications. |





