ACOS3 - Ideal Solution for Payment/Loyalty.

ACS develops smart card operating systems (ACOS) as its intellectual property. Developed by our dedicated team of specialists, the ACOS3 Microprocessor Card unlocks the potential of a smart card. It enables a single card to support various applications such as loyalty program, parking registration, network access control, public transportation, telecommunication, and electronic purse.

ACOS3 is specifically designed for highly secure payment applications. Featuring a high degree of security, ACOS3 is particularly suitable for secure loyalty programs, network access control and epurse applications. Likewise, it may be utilized for common payment solutions.

Additionally, security provided by ACOS3 can be enhanced further by utilizing ACOS6-SAM, which, by enabling Mutual Authentication, Secure Messaging, Key Diversification and Key Injection, perfectly secures various applications.

ACOS3 provides three interface options:

  • Contact Interface
    Additionally, ACOS3 could have other options:
    • ACOS3-Mag (Contact card with magnetic stripe)
    • ACOS3-Hybrid (Contact and Contactless Smart card)
  • Contactless interface
  • Combi interface

Contact interface

  • Full 32/72 Kbytes of EEPROM memory for application data 
  • Compliance with ISO 7816 parts 1, 2, 3; supporting the T = 0 direct protocol 
  • High-speed transmission possible (9.6 to 223.2 kbps)

Contactless interface

  • Full 8 Kbytes of EEPROM memory for application data 
  • Compliance with ISO 14443 parts 1,2,3,4; supporting the T = CL protocol
  • Fully compatible with ISO14443A
  • Data transfer rate supports106kbps, 212kbps, 424kbps and 848kbps

Combi interface

  • Full 8 Kbytes of EEPROM memory for application data
  • Compliance with ISO 7816 parts 1, 2, 3; supporting the T = 0 direct protocol 
  • Compliance with ISO 14443 parts 1,2,3,4; supporting the T = CL protocol
  • Fully compatible with ISO14443A
  • High-speed transmission possible (9.6 to 223.2 kbps)
  • Data transfer rate supports 106kbps, 212kbps, 424kbps and 848kbps

Common features among the three interfaces

  • DES / 3DES and MAC capabilities 
  • Five secret codes + issuer code 
  • PIN code that can be updated by card holder 
  • Key pair for mutual authentication 
  • Session key based on FIPS140-2 compliant true random numbers 
  • Transparent files and linear files with fixed record length are available 
  • Secure messaging option ensures transmission of user data is secured against eavesdropping, replay attack and unauthorized modifications. 
  • Account data structure for highly secure payment applications as an optional feature 
  • Completely backward compatible with ACOS1 / ACOS2 cards
  • Banking & Payment
  • e-Healthcare
  • e-Purse Application
  • Access Control
  • Network Security
  • e-Purse & Loyalty
  • MS Windows & Network Logon

Drivers for ACOS3

Release Date Drivers OS Support Version File Size Notes
Driver Not Applicable For This Product

Manuals / Datasheets for ACOS3

Product Presentation

Product Presentation of ACOS3 Microprocessor Card

Functional Specification

Functional Specification of ACOS3 Contact Card

Functional Specification

Functional Specification of ACOS3 Contactless Card/ Combi Card

Reference Manual

Reference Manual of ACOS3 Contact Card

Reference Manual

Reference Manual of ACOS3 Contactless Card/ Combi Card