PKi Consolidation Project and Multiapplicative Smart Payment Cards

  • Milan Marković
  • Miloš Kilibarda
  • Aleksandar Milošević


In this paper, main characteristics of the consolidated PKI system in Banca Intesa ad Beograd are described. This PKI system is used for electronic banking services for external users (home banking for physical persons and e-banking for legal persons), as well as a part of the identity management system (windows logon, single sign-on) and other security services for Bank’s internal users (secure e-mail, SSL client authentication). One of the main features of this project is an introduction of the EMV DDA MasterCards in Banca Intesa ad Beograd. These are PKI Multos cards which will have three applications on them: MIChip Select 4 and CAP payment applications, as well as PKI application. This way, our Maestro users could make payment through POS and ATMs by using the M/Chip payment applications, via Internet in unconnected mode by using external CAP reader and CAP application on the card and, in connected mode, via Bank’s web portal by using the connected smart card reader and PKI application on the card with X.509 digital certificate issued by the consolidated PKI system of Banca Intesa ad Beograd. The PKI consolidated system of Banca Intesa ad Beograd is based on the fully customized domestic PKI solution.


Smart Card Legal Person Physical Person External User Digital Certificate 
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Copyright information

© Friedr. Vieweg & Sohn Verlag | GWV-Fachverlage GmbH, Wiesbaden 2006

Authors and Affiliations

  • Milan Marković
    • 1
  • Miloš Kilibarda
    • 1
  • Aleksandar Milošević
    • 2
  1. 1.Banca Intesa ad BeogradSecurity DepartmentBelgradeSerbia
  2. 2.Pexim SolutionsBelgradeSerbia

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