SOPAS: a low cost and secure solution ofr e-commerce

International audience; We present in this paper a new architecture for remote banking and e-commerce applications. The proposed solution is designed to be low cost and provides some good guarantees of security for a client and his bank issuer. Indeed, the main problem for an issuer is to identify and authenticate one client (a cardholder) using his personal computer through the web when this client wants to access to remote banking services or when he wants to pay on a e-commerce site equipped with 3D-secure payment solution. The proposed solution described in this paper is MasterCard Chip Authentication Program compliant and was experimented in the project called SOPAS. The main contribution of this system consists in the use of a smartcard with a I2C bus that pilots a terminal only equipped with a screen and a keyboard. During the use of services, the user types his PIN code on the keyboard and all the security part of the transaction is performed by the chip of the smartcard. None information of security stays on the personal computer and a dynamic token created by the card is sent to the bank and verified by the front end. We present first the defined methodology and we analyze the main security aspects of the proposed solution.