Virtual DataPort Gateway

One Page, One Book

provide carriers with seamless, end-to-end payment management, tailored specifically to the insurance industry.

• Money Transfers to enable consumers to send funds to a card. Example, consumer at a bank transfers money to another consumer’s payment card (P2P Money Transfer)

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• Funds Disbursements to enable merchants, corporations, or government entities to send funds to a card to fulfill insurance claims, corporate and manufacturing rebates, expense reimbursements, affiliate and contractor payouts, government disbursements (such as value-added tax refunds), and online gambling and lottery payouts, etc.

• Gig Economy Payouts that allow grocery and food delivery, and ride-share marketplaces to pay their drivers and shoppers instant access to their earned wages, tips, and benefits.

• Merchant Settlements that allow service providers to speed up settlement payments between two parties (popularly, vendors and merchants)
• Payments via Digital Wallets to move funds out of a digital wallet and delivered to a cardholders card.

• Real Time Deposit/Check Deposits to enable conversion of checks into a digital payment delivered to a cardholder’s card at a bank. Example, sender moves money from his own bank account to a payment card (me-to-me transfers)

• Loyalty and Offers to pay loyalty reward or merchant offer onto a card that allows cardholders ready access to redeem benefits.
• Credit Card Bill Payments to pay bills using push to card.

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experience, as well as delaying the introduction of such modifications. Another conceivable reason may be that before Java technology can be used in products, such as smart cards, a rather costly licensing agreement must be concluded with Sun. This is contrary to the usual convention regarding ISO standards.
The characteristics of Java
Programs written in Java are translated into ‘Java bytecode’ by a compiler. Java bytecode is simply processor-independent object code. In a manner of speaking, bytecode is a program consisting of machine instructions for a virtual Java processor. This processor does not actually exist; instead, it is simulated by the target processor. This simulation takes place in the Java virtual machine (JVM or VM), which is the actual interpreter. Seen from a different perspective, the JVM is a simulation of the Java processor on an arbitrary target system. The target processor in turn naturally uses native code. The main advantage of this arrangement is that only the JVM, which is programmed in native code, has to be ported to a particular target processor. Once this has been done, the Java bytecode will run on the new system.
Since the runtime task of the VM involves more than just mindlessly interpreting the bytecode and includes type checking and monitoring accesses to objects, the VM is also called the ‘sandbox’. This name graphically suggests that a Java program is only allowed to work within its own environment (sandbox) and is not allowed to leave this environment, since the VM will otherwise put a stop to its activities.
A compiled Java program, which means one that has been translated into bytecode and provided with certain supplementary information, is stored in a ‘class file’. Class files are executed by the Java virtual machine after they have been loaded. One or more class files constitute an ‘applet’, which contains a complete smart card application and has its own application identifier (AID). In the context of Java for smart cards, applets are sometimes called ‘cardlets’.
The hardware independence of Java naturally has its price, which primarily consists of its very slow execution speed compared with other standard programming languages. This problem has still not been solved in a satisfactory manner, although further developments and improvements of Java are focused on this issue. One step that is already being taken is to use a ‘just-in-time (JIT) compiler, which translates the Java bytecode into the machine language of the processor the first time the program is run. Although this causes the program to run rather slowly the first time it is used, it runs significantly faster afterwards. However, the software of a JIT compiler is rather complex, and the limited memory space of smart cards means that it will be several years before such a compiler can be implemented in a smart card.
Direct compilation of Java programs into the machine language of the target processor would not be worthwhile in the heterogeneous world of smart cards, in contrast to the PC world. The last remaining alternative is to use special hardware. One possibility is to integrate a special Java processor on the semiconductor die, in addition to the 8051 and 6805 kernels presently used. This would provide the advantage of allowing time-critical routines (such as those used for data transmission or cryptographic algorithms) to still be programmed in assembler, while allowing a high-level language, such as Java, to be used for all higher software layers.
Technically, this would not present any problems, as can be seen from the following facts: Sun’s Java chip (microJava 701) has an edge length of 7 mm with a 0.25-μm process, works