Credit Cards

Hack Proof Credit Cards Launch In India

Hack Proof Credit Cards Launch In India
Jay Kaul
Written by Jay Kaul

India Getting Hack Proof Tech

Credit cards have been facing information leakage problems due to security issues. It has been a serious issue as many people face losses and the hackers are untraceable. Credit card numbers and other important information of the card helps those hackers swipe it for anything they want to spend on. It might be that credit cards are easy to hack, but not anymore. With a new development in technology, scientists have developed a RFID (radio frequency identification) chip. The scientists one of whom is of Indian origin, Chiraag Juvekar from MIT, develop this chip. It works perfect, such that it is virtually not possible to hack credit cards and prevents your credit card information from being leaked.

Some features of the new technology, how it works and what lead to its inception can be simplified as follows:

  • The hack proof chip prevents the side channel attacks. These attacks analyse the patterns of memory access when the device is performing cryptographic key operation. The cryptographic key is a piece of information to determine that cryptographic algorithm. It is said that given cryptographic key information, the algorithm can be leaked.
  • It is so secure that hacker would need to do the algorithm many times so as to get leakage to find the complete secret.
  • A suggestion to avoid side channel attacks is to keep changing secret keys regularly. The main server runs a random number generator that shows up a different secret key every time a transaction is made. This system still holds some vulnerability. IN case of a power malfunction, the RFID chip will be repeatedly cut exactly at the same time it changed the secret key. The hacker can then run side channel attacks and same key can be put thousands of times.
  • There has been use of power glitch attacks to put dodging limits to the number of times an incorrect password have been tried in password protected devices. In case, of RFID tags are endangered as readers can change them and they do not have power availability on board.
  • There following are the two innovations that allow the RFID chip to avert power malfunctions, an Indian researcher and scientists from Texas Instruments design them.
  • There is an on-chip supply of power which when connected to the chip circuitry; it will be possible to cut virtually.
  • A set of non-volatile memory cells helps in storing data, in cases of losing power, the chip is working on.


In both of the above mentioned innovations, a unique type of material is used, which is known as ferroelectric crystals.

  • Ferroelectric material has molecules which are arranged in a regular 3-D lattice. Positive and negative charges produce electrical polarisation when they naturally separate in each cell of lattice.
  • The cells polarisation can be aligned in either of the two directions by the application of electric field. This gives us two values which can be possible for less of this information.
  • Cells maintain their polarisation on the removal of electric field.


If such RFID chips are adopted widely, no hacker will be able to steal credit card numbers or any of their information. Tech friendly burglars will not swipe your cash off and you can be tension free in using your credit cards.

About the author

Jay Kaul

Jay Kaul

Jay is a financial and credit expert and freelance contributor to CreditSmart. He's always keeping his eyes open for the latest credit card trends in India and provides a sharp insight on new entries into the market.

Leave a Comment