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www.acs.com.hk
ACOS 10
PBOC 2.0 EDEP Card
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1. Product Overview
2. Product Feature
3. Secure transaction
4. Product Application
5. Order Information
6. Q & A
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ACOS10 (32KB EEPROM)PBOC 2.0 ED/EP Card
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Module Full-size card SIM-size card SAM card
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1.2 PBOC File Structure
PSE (3F00)
ADF1 (DFA1)
Card Holder Data (EF16)
App. Data (EF15)
Key File (0002)
SE File (0003)
PBOC File (EF18)
Pin File (0001)
ADF2 (DFA2)
Card Holder Data (EF16)
App. Data (EF15)
Key File (0002)
SE File (0003)
PBOC File (EF18)
Pin File (0001)FCI File (001E)
Key File (0002)
SE File (0003)
EF DIR (2F00)
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Product
Features
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High User Memory – 32KB !High User Memory – 32KB !
International Standard
Compliance —ISO 7816-1/2/3/4
International Standard
Compliance —ISO 7816-1/2/3/4
File Structure: Supports Linear
fixed record + Linear variable
record + Cyclic file + Transparent
file
File Structure: Supports Linear
fixed record + Linear variable
record + Cyclic file + Transparent
file
ISO-7816 8 - contact moduleISO-7816 8 - contact module
Strong Cryptographic Capabilities:
DES + 3DES + SM-MAC +
Secure Messaging SM-ENC
Strong Cryptographic Capabilities:
DES + 3DES + SM-MAC +
Secure Messaging SM-ENC
Fast communication speed:
9,600 – 223,200 bps (switchable)
Fast communication speed:
9,600 – 223,200 bps (switchable)
Configurable ATR +
Mutual Authentication w/
Session Key Generation
Configurable ATR +
Mutual Authentication w/
Session Key Generation
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Protocol T=0Protocol T=0National Standard – PBOC 2.0
ED/EP certified
National Standard – PBOC 2.0
ED/EP certified
Multiple Applications Multiple Applications
What are the Key Specification of ACOS10
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7 types of transactions
YesOfflineRead transaction Log
YesOfflineBalance inquiry
YesOnlineUpdate Overdraw Limit
YesOnlineUnload
YesOnlineLoad
YesOfflineCash withdraw
NoOfflinePurchase
PIN verifyOnline/Offline
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7 types of transactions
Customer Savings Account
ED sub-account
ED Balance
(OL included)
EP sub-account
EP BalancePOS
POS
ATM
Financial institution (Bank)
Load LoadUnload
PurchasePurchase
Cash withdraw: Online transactions
: Offline transactions
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Application SelectionApplication Selection
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Able to do ED/EP transaction securely
Read Cardholder
Information
Read Cardholder
Information
IC CARD TERMINAL ISSUER
Initiate the transactionInitiate the transaction
Offline MAC1 generationOffline MAC1 generation
Complete the transaction
MAC2 verification
Complete the transaction
MAC2 verification
Purchase Transaction (EP)
Select DF PBOC
Read Binary
Initialize for Purchase
Debit for Cash withdraw (MAC1)
MAC2
OFFLINE
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Application SelectionApplication Selection
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Able to do ED/EP transaction securely
Read Cardholder
Information
Read Cardholder
Information
IC CARD TERMINAL ISSUER
PIN VerificationPIN Verification
Initiate the transactionInitiate the transaction
Offline MAC1 generationOffline MAC1 generation
Complete the transaction
MAC2 verification
Complete the transaction
MAC2 verification
Cash withdraw Transaction (ED)
Select DF PBOC
Read Binary
Verify (PIN)
Initialize for Cash withdraw
Debit for Cash withdraw (MAC1)
MAC2
OFFLINE
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Application SelectionApplication Selection
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Able to do ED/EP transaction securely
Read Cardholder
Information
Read Cardholder
Information
IC CARD TERMINAL ISSUER
PIN VerificationPIN Verification
Initiate the transactionInitiate the transaction
Online Request and
Response
Online Request and
Response
Complete the transactionComplete the transaction
Load Transaction (ED/EP)
Select DF PBOC
Read Binary
Verify (PIN)
Initialize for Load
Credit for Load (MAC2)
TAC
MAC1
MAC1
MAC2
Card Authentication and Load Approval
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Application SelectionApplication Selection
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Able to do ED/EP transaction securely
Read Cardholder
Information
Read Cardholder
Information
IC CARD TERMINAL ISSUER
PIN VerificationPIN Verification
Initiate the transactionInitiate the transaction
Online Request and
Response
Online Request and
Response
Complete the transactionComplete the transaction
Unload Transaction (ED)
Select DF PBOC
Read Binary
Verify (PIN)
Initialize for unload
Debit for unload (MAC2)
MAC3
MAC1
MAC1
MAC2
Card Authentication and Load Approval
Online 2nd Request and
Response
Online 2nd Request and
Response
MAC3
OK
MAC3 verification
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Application SelectionApplication Selection
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Able to do ED/EP transaction securely
Read Cardholder
Information
Read Cardholder
Information
IC CARD TERMINAL ISSUER
PIN VerificationPIN Verification
Initiate the transactionInitiate the transaction
Online Request and
Response
Online Request and
Response
Complete the transactionComplete the transaction
Update Overdraw Limit Transaction (ED)
Select DF PBOC
Read Binary
Verify (PIN)
Initialize for Update
Update OL (MAC2)
TAC
MAC1
MAC1
MAC2
Card Authentication and Load Approval
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• Other Transaction:
– Get Balance (ED/EP)
• Only ED needs PIN verification
– Read Transaction Log (ED/EP)
• Requires PIN verification
Able to do ED/EP transaction securely
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In What areas can we apply ACOS10?
社保卡Petrol Card
Highway card
Transportation CardCity all in 1 Card
Banking Card
Micropayment
Campus Card
Insurance Card
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Personal Info
Petrol station Transportation
PBOC File PBOC File
E-Deposit
Banking Card
PBOC File
*Every DF has a designated Security Environment (SE) file to
defines the security condition of each application individually
*Multiple Applicaton
ACOS10 Application sample
Card Issuer (Bank)
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Information stored
E.g.:
1.) Personal Info
2.) Prepaid value
ACOS3/ACOS6
Loyalty smart card
Student Card Application
Online Top-up for load/unload ED/EP
Purchase
Store master keysGenerate diversify key
Perform cryptographic functions
a) Transportation
b) Petrol Station
Season ticket
Purchase
Secure messaging
ACOS10 Application sample
OnlineAuthentication
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Products Description
ACOS10-32-GP/0100 PBOC 2.0 ED/EP Card with 32KB
EEPROM, glossy, PVC
ACOS10-32-SIM-GP/0100 PBOC 2.0 ED/EP Card with 32KB
EEPROM, plunge SIM size, glossy,
PVC
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