ACS develops smart card operating systems (ACOS) as its intellectual property. Developed by our dedicated team of specialists, the ACOS3 Microprcoessor 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 and Key Diversification, perfectly secures various applications.

Optional:
- ACOS3-Mag: Contact card with magnetic stripe
- ACOS3-Hybrid: Contact and Contactless Smart Card 

• Full 32/72 Kbytes of EEPROM memory for application data
• Compliance with ISO 7816 parts 1, 2, 3; supporting the T=0 direct protocol
• ISO7816-2 compliant 8-contact module
• High-speed transmission possible (9.6 to 223.2 kbps) with modifiable ATR.
• 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. 

• E-purse application
• E-Payment
• Customer loyalty
• Physical Access control
• Corporate Identity
• Healthcare management
• Microsoft Windows Logon