Introducing
• An industry association with all industry contributors to the making of Smart Secure Devices– Smart Cards manufacturers– Integrated Circuits manufacturers– Software vendors– Applications developers
• The Goal– Promote the use of Smart Secure Devices in the Digital World
for:• Security• Convenience• Privacy
http://www.eurosmart.com
Vision 2020
Smart Secure Devices to help our lives become easier, safer and more enjoyable, without
jeopardizing our privacy.
A vision paper by Eurosmart
Smart Cards today in our everyday lives
Ticketing
Payment
Loyalty
Transport
Smart PosterHealth card
Communication
So many Smart Cards with us at all times…..
• In our GSM phone (the SIM card)• Inside our Wallets
• Credit/Debit cards• HealthCare cards• Loyalty cards• …/…
• Our corporate badge• Our Passport • Our e-Banking OTP
… and the list keeps growing
Key Attributes
Securityto make the Digital Life safe and enjoyable
Ease of Useto enable all of us to access to the Digital World
Privacyto respect each individual’s freedom and intimacy
Worldwide smart card shipments
925 960
26553325
0
500
1000
1500
2000
2500
3000
3500
4000
4500
Mil
lio
ns
of
un
its
Microprocessor cards
Memory cards
From 1 billion to 4 billion units in 10 years…
4285
3580
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
925 960
The SIM card success story
2040
410
205
2600
500
225
3000
580
295
0
500
1000
1500
2000
2500
3000
3500
4000
2006 2007 2008
Identity & others
Banking - Retail
Telecom (SIM)
+15%
+27%
+22%
+16%
+31%
+10%
Microprocessor Smart Cards Shipments ( Millions of units )
12 years ago…1996
The Internet was literally nonexistent.
It would have been very optimistic in 1996 to foresee 3.3 billion cell phone users in 2008.
Smart payments solutions were available only in a limited number of countries.
12 years from now…2020
Wisdom tells us that we should only expect baby steps... But look at the pace of changes in the last 12 years!
Smart Cards will pioneer the way for Smart Secure Devices
New shapes to better fit new types of transactions
New functions (contactless, biometrics)
New applications
It’s no longer only «Cards»e-Passport: the first Smart Secure Device
45 Millions e-Passports in 2007
New solutions leveraging on mobile New solutions leveraging on mobile contactless servicescontactless services
New solutions leveraging on mobile New solutions leveraging on mobile contactless servicescontactless services
Our Industry is rapidely changing
eTicketing
Interactive billboards Transports
Retail
By 2020 …
• 20 Billion Smart Secure Devices• >4 Billion Mobile Appliances users• >4 Billion e-ID documents in use
2020: New objects to follow the path of our daily lives
Three key enablers
• Biometrics: «secrets» that always stay with us
• Contactless: «fast and easy» device-reader interactions
• Nanotechnologies: remove « size constraints » to keep those Secure Objects with us at all times
More developers will embrace Smart Secure Devices
• Internet for e-commerce
• Peer to Peer collaborative networks
Secure Contactless: a reality today
Contactless Payment : 45 Million new cards in 2007
China: 800 Million Secure Contactless ID Cards
Contactless Transport : 175 Million new cards in 2007
2020: Technologies dedicated to serve People
Our «digital personal attributes »
Unlike any other objects we use daily, Smart Secure Devices will more than ever represent our personal Identities and our personal assets
Security without any compromise of privacy
User privacy while delivering the service in a safe, efficient and convenient matter will always drive all our Research efforts
Under Governments leadership
Smart Secure Devices will enable large program deployment in the areas of Security, Health, Commerce, Transportation, Environment and Education
Imagine one day in 2020
Each of us owns several “identities” thatare legally and morally as important as our Surname
Our Digital Assets are as sensitive asour Material Assets
The paper document, established since the 15th century, is now challenged by e-Documents
The school Education baseline for our kids is now: to read to write to use Digital Services
E-Transactions in 2020
4 Billion mobile phone users worldwide (source: GSMA)
The most intimate device will increasingly become a platform of choice to communicate, pay, work, travel and carry our identities
Broadband Internet penetration rate >80% (source: FT)
(in high GDP countries)The backbone of the Digital World that will unleash its full potential by 2020.
4 Billion Citizens carrying e-IDsA Win-Win between Citizens and their Governments:- More efficient and personalized services- More Security- Privacy
New Markets will embrace the merits of Smart Secure Devices
Smart Secure Devices will find a natural fit whenever:
• New H2H (Human-to-Human) or H2M (Human-to-Machine) transactions will require a local, sometimes off-line verification of the User Identity.
• The fast growth of contactless technology will pave the way for many new applications aimed at speed and mobility.
Emerging Machine-to-Machine applications
• Smart embedded modules will be the ‘brain’ in M2M enforcing rules and taking corrective actions in the event of errors during such transactions.
Some examples of very likely areas of growth
Retail
• Check-out/Payments
• Smart Bulletin-Boards
• Customer Relationship Management
• Logistics Management for merchants
• E-Commerce
E-Citizen
• Fillings and Applications
• Personalized Citizen-2-Representative relationship
Machine-to-Machine:Computing vs Rules Enforcement
Computing
• Systems execute programs to deliver a Service
• Systems interact with the back-office with a network
Rules enforcement and Heuristics
• The issuer delegates his authority for M2M transactions via a M2M Smart Secure Device
• The Smart Secure Device executes transactions based on a set of pre-defined Heuristics.
Machine-to-Machine:Making the Digital World intelligent
M2M like H2M interactions
• Human-to-Machine interactions are customized by the user
• M2M automation needs to account for unforeseen deviations, just like in H2M interactions
Smart Secure Devices for M2M
• The brain of the Transactions
•Handles standard situations
•Fixes unexpected deviations
• The “presence” of the Service Issuer
•Risk Management
•Corrective actions
Safety, convenience and ease of use while preserving privacy
Trade-offs: Benefits of Smart Secure Devices always offset risks
Initiatives: Large scale projects will need boot-strapping.
Education: Teach Citizens the benefits of the Digital Age
Our industry road toward 2020
• A larger family of customers and developers
• New applications will attract new customers to our industry’s offerings, using our products and solutions to deliver their services to their customers
• We will continue to set new standards for Software and Embedded Operating Systems to help our customers to deploy their Solutions faster and on a larger scale
• Our industry know-how on how to make Billions-of-one unique objects will remain one of our Industry’s key attribute
• New Services to deploy and operate those Smart Secure Devices
•Small businesses entering the Digital Economy will drive a new demand for hosted services
•Individual users of such Smart Secure Device will have access to more and more customizable Services.
Conclusion… to be verified in 2020
• Smart Cards will evolve into a broader family of Devices
• More new shapes for new applications
• Our virtual « digital personal attributes »
• Embedded software and ultra-embedded nanotechnologies
• The only mistake to avoid for our Industry is to entertain an endless debate about fears.
• We will build the best solutions and the best value for people to enjoy many new services
• Political ownership and communication will be key to success
• Education … more Education
• Preparing people to use those Smart Secure Devices is as important as teaching them how to read and write.