Secure Smart Card Technology Solutions for Identity Management: Cardholder and IT System Solutions Need Not Only to Protect Information but Also Meet Social Needs for Security, Freedom and Mobility

Curtis, David, Journal of Banking and Financial Services

In today's fast-paced world we all appreciate greater mobility and the freedom to conduct all sorts of transactions when and where we choose. We can now access mobile banking, send and receive SMS messages, use ATMs for all sorts of high-speed transactions, and access buildings or log in to work from remote locations 24 x 7.

Although technology enables this, it raises issues of identity, not only through the need to ensure that the person operating or conducting the transaction is the person authorised to do so, but also requiring that the system has appropriate and secure audit trails for all operators. This means that there are clear roles for the service provider; secure ID document specialists; and system integrators.

Security issues

New security challenges have been created by the global acceptance of e-commerce, electronic payments and more recently, mobile commerce. These challenges can be grouped under five broad areas for attention by governments, corporate group security and risk managers:

* Citizen ID;

* Physical access control;

* Time and attendance;

* Logical access control; and

* Transaction authentication. Let's look briefly at each of these.

Citizen ID

This can relate to traditional or default photo ID, such as a driver's licence, concession entitlement card for access to some welfare benefit, and for …

Questia, a part of Gale, Cengage Learning. www.questia.com
Publication information: Article title: Secure Smart Card Technology Solutions for Identity Management: Cardholder and IT System Solutions Need Not Only to Protect Information but Also Meet Social Needs for Security, Freedom and Mobility. Contributors: Curtis, David - Author. Magazine title: Journal of Banking and Financial Services. Volume: 119. Issue: 1 Publication date: February-March 2005. Page number: 39+. © Not available. COPYRIGHT 2005 Gale Group.

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