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Re: Is there any future for smartcards?

daemon@ATHENA.MIT.EDU (Eugen Leitl)
Sun Sep 11 16:12:46 2005

X-Original-To: cryptography@metzdowd.com
X-Original-To: cryptography@metzdowd.com
Date: Sun, 11 Sep 2005 19:32:45 +0200
From: Eugen Leitl <eugen@leitl.org>
To: Peter Gutmann <pgut001@cs.auckland.ac.nz>,
	cryptography@metzdowd.com, eugen@leitl.org, pfarrell@pfarrell.com
In-Reply-To: <E1EEPSo-0007KV-00@medusa01.cs.auckland.ac.nz>


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On Sun, Sep 11, 2005 at 10:53:34PM +1200, Peter Gutmann wrote:

> The problem with this is that in 99.99% of cases the insecure networked
> machine *is* the reader, rendering the smart card pretty much pointless. =
 I've

Pat Farrel spoke about the infrastructure required for smartcards to have
at all a point. Inexpensive USB readers with integrated keypad (and LCD dis=
play)
exist, and are a basic component of such smartcard infrastructure. Unless i=
t's
pure snakeoil, by design.=20

> only ever seen a handful of card readers that have keypads and displays, =
and
> none that have succeeded commercially.  Everyone just gets the cheap read=
er-
> only devices.

USB smarcard readers with displays are not expensive, especially
if purchased in quantities. A financial institution would probably
recover the costs quite rapidly, if it gave away smartcards and=20
such readers for free to its customers, given the amount of fraud.

It is symptomatic that this is not happening, and that e.g.
HBCI support hereabouts is very thin. HBCI+smartcard, especially on
a non-Redmond system, is nearly impossible to set up. Zero support.
(Support in fact discourages use of smartcard). Default for
local online banking is PIN/TAN (TANs distributed on dead tree).

--=20
Eugen* Leitl <a href=3D"http://leitl.org">leitl</a>
______________________________________________________________
ICBM: 48.07100, 11.36820            http://www.leitl.org
8B29F6BE: 099D 78BA 2FD3 B014 B08A  7779 75B0 2443 8B29 F6BE

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