Primjena pametnih kartica u financijama i bankarstvu

master's thesis

• Author: Viktorija Pihler
• Mentor: Andrej Dujella (mentor)
• Committee member: Andrej Dujella (predsjednik povjerenstva)
• Committee member: Marko Tadić (član povjerenstva)
• Committee member: Ilja Gogić (član povjerenstva)
• Committee member: Vedran Krčadinac (član povjerenstva)
• Granter: University of Zagreb; Faculty of Science; (Department of Mathematics); Zagreb
• Defense date and country: 2019-09-26, Croatia
• Scientific / art field, discipline and subdiscipline: NATURAL SCIENCES; Mathematics

Abstract

Ovaj rad proučava primjene pametnih kartica u bankarstvu i financijama te kriptografske algoritme koji se koriste u tim primjenama. Rad se može promatrati kroz tri osnovne cjeline. U prvom dijelu rada objašnjava se kako je tekao razvoj pametnih kartica, koje su njihove karakteristike te koje su razlike među određenim vrstama pametnih kartica. Drugi dio rada opisuje sve informatičke elemente potrebne za funkcioniranje pametnih kartica. Vrlo važan dio čini kriptografija. Za početak se prolazi matematika koja je u pozadini kriptografskih algoritama. Od simetričnih kriptografskih algoritama obrađeni su DES i Trostruki DES, a od asimetričnih RSA i DSA. Potom su definirane hash funkcije i način na koji su one ukomponirane u rad pametnih kartica. Sljedeće što se obrađuje je proces autentifikacije. Promatraju se razlike između statičke i dinamičke, jednostrane i uzajamne autentifikacije kao i razlike među onima koji se temelje na simetričnim i onima koji se temelje na asimteričnim kriptografskim algoritmima. Za kraj se opisuju digitalni potpisi i certifikati koji pružaju dodatnu sigurnost u transakcijama koje se obavljaju preko pametnih kartica. Treći dio rada odnosi se na konkretne primjene pametnih kartica u financijama i bankarstvu. U tom dijelu opisuju se debitne i kreditne kartice, elektronički novčanici te online transakcije i objašnjava njihov način funkcioniranja.

Abstract (english)

This thesis studies the applications of smart cards in banking and finance and the cryptographic algorithms used in those applications. It may be divided into three fundamental parts. The first part explains how smart cards are developed, what are their characteristics and what are the differences between different types of smart cards. The second part describes all the IT elements needed to operate smart cards. A very important part is cryptography. For starters, the math underlying cryptographic algorithms is brought to light. DES and Triple DES are symmetric cryptographic algorithms which are explained also with asymmetric RSA and DSA. After that hash functions are defined and the way how they are integrated into the operation of smart cards. The next thing that is explained is the authentication process. There are differences between static and dynamic authentication, unilateral and mutual authentication, as well as differences between authentication based on symmetric and asymmetric cryptographic algorithms. Finally, digital signatures and certificates, which provide added security in smart card transactions, are described. The third part of the paper deals with the specific applications of smart cards in finance and banking. This chapter describes debit and credit cards, electronic wallets, and online transactions and explains their way of functioning.

• Keywords: pametne kartice; kriptografski algoritmi; autentifikacija
• Keywords (english): smart cards; cryptographic algorithms; authentication
• Language: croatian
• URN:NBN: urn:nbn:hr:217:985913
• Study programme: Title: Finance and Business Mathematics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra matematike (magistar/magistra matematike)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2020-02-18 11:14:51