Engineering Category: Contact / Dual-Interface CPU Card
Financial / Payment CPU Card
EMV-Ready · RSA / ECC / AES · ISO 7816 Contact (Dual-Interface Optional)
A high-security microprocessor card for banking, payment and identity. On-chip cryptography delivers security on par with Infineon, NXP and ST — with proven China alternatives such as FM1280, CIU9872B and THD89.
- 🛡️Certified
High Security - 🔐RSA / ECC
AES On-Chip - 💳EMV Payment
Ready - 🌐Global &
China Chips
What Is a Financial / Payment CPU Card?
A CPU card is a smart card built around a secure microcontroller with its own operating system and dedicated cryptographic coprocessor — far beyond simple memory or logic-encryption cards. It executes RSA, ECC, AES and 3DES on-chip (plus Chinese SM2 / SM3 / SM4 on China silicon), so secret keys are generated and used inside the chip and never leave it.
For banking and payment, the card is personalized with an EMV-aligned or scheme-compliant applet and holds the keys needed for authentication and transaction signing. The same secure platform also serves government ID, transit and multi-application programs. We supply international chips (Infineon SLE78, NXP P71 / SmartMX, ST33) and functionally equivalent China alternatives. For the full international ↔ China chip mapping, see the chip selection & cross-reference table below.
Where CPU Cards Fit Best
- Bank, payment and co-branded cards running on EMV rails
- Government, citizen and employee ID requiring strong authentication
- Transit and city cards combining payment and access on one card
- PKI, digital-signature and secure-login applications
- Any program needing certified, audited chip security — not closed-loop only
Why Choose CedaGlo CPU Cards
Certified Security
Built on Common Criteria EAL5+/6+ secure silicon with hardware attack countermeasures.
Full Crypto Suite
RSA, ECC, AES and 3DES on-chip, plus SM2 / SM3 / SM4 on China parts.
Dual Sourcing
International chips with functional China alternatives to balance cost and supply.
Project Support
Personalization, key injection and certification scoping handled per project.
Key Features
- Dedicated crypto coprocessor for RSA / ECC / AES
- Common Criteria EAL5+ / EAL6+ certified silicon
- Hardware countermeasures against side-channel & fault attacks
- EMVCo-aligned applets for contact and contactless
- ISO/IEC 7816 contact; ISO/IEC 14443 dual-interface option
- Java Card / native OS for multi-application use
- International: Infineon SLE78, NXP P71, ST33
- China alternatives: FM1280, CIU9872B, THD89
- Personalization & key injection per project
Technical Specifications
| Chip Type | Secure CPU / Microprocessor | Security Certification | Common Criteria EAL5+ / EAL6+ (chip-dependent) |
| Operating System | Java Card / Native OS | Memory | Up to ~150 KB EEPROM / Flash (chip-dependent) |
| Cryptography | RSA, ECC, AES, 3DES (+ SM2 / SM3 / SM4 on China parts) | Card Size | CR80, 85.60 × 53.98 mm |
| Interface | ISO/IEC 7816 contact (ISO/IEC 14443 dual optional) | Thickness | 0.76 mm |
| Standards | EMVCo, ISO/IEC 7816, ISO/IEC 14443 | Operating Temperature | -25 °C to 70 °C |
| International Chips | Infineon SLE78 · NXP P71 / SmartMX · ST33 | Material | PVC / PET / ABS optional |
| China Alternatives | Fudan FM1280 · Huada CIU9872B · Unigroup THD89 | Finish Options | Glossy / Matte / Frosted |
Volume Pricing
| Quantity | Unit Price (USD / pc) |
|---|---|
| 100 – 999 pcs | From US$0.31 |
| 1,000 – 9,999 pcs | From US$0.29 |
| 10,000+ pcs | From US$0.22 |
Indicative pricing for an FM1280-based contact CPU card white card. Final price depends on chip, operating system, card material, printing, personalization and order quantity — contact us for an exact quote. Key injection and program-level certification are scoped per project.
Contact Card Chip Selection & Cross-Reference
Full reference of contact & dual-interface IC card chips we supply, with international ↔ China cross-references. This Financial / Payment Card uses a secure CPU (microprocessor) chip (highlighted). CPU China parts are functional equivalents embedding both international and Chinese algorithms; memory and logic-encryption China parts are pin- and command-compatible drop-in replacements.
| Category | Brand | Origin | Part Numbers | Interface | Cross-Reference (Intl. ↔ China) |
|---|---|---|---|---|---|
| Memory | Microchip (ex-Atmel) | US | AT24C01 / AT24C02 / AT24C04 / AT24C08 / AT24C16 / AT24C32 / AT24C64 / AT24C128 / AT24C256 / AT24C512 | Contact | ↔ FM24C / GT24C |
| Memory | STMicroelectronics | EU | M24C01 / M24C02 / M24C04 / M24C08 / M24C16 / M24C32 / M24C64 | Contact | — |
| Memory | onsemi | US | CAT24C01 / CAT24C02 / CAT24C04 / CAT24C16 / CAT24C32 / CAT24C64 / CAT24C128 / CAT24C256 / CAT24C512 | Contact | — |
| Memory | Fudan / FMSH | CN | FM24C01 / FM24C02 / FM24C04 / FM24C08 / FM24C16 / FM24C32 / FM24C64 / FM24C128 / FM24C256 | Contact | ↔ Microchip AT24C (pin-compatible) |
| Memory | Giantec | CN | GT24C01 / GT24C02 / GT24C04 / GT24C08 / GT24C16 / GT24C32 / GT24C64 / GT24C128 / GT24C256 / GT24C512 | Contact | ↔ Microchip AT24C (pin-compatible) |
| Logic-Encryption | Infineon | EU | SLE4406 / SLE5536 | Contact | ↔ Fudan FM4406 |
| Logic-Encryption | Infineon | EU | SLE4418 / SLE5518 | Contact | ↔ Fudan FM4418 |
| Logic-Encryption | Infineon | EU | SLE4428 / SLE5528 | Contact | ↔ Fudan FM4428 / FM5528 |
| Logic-Encryption | Infineon | EU | SLE4432 / SLE5532 | Contact | ↔ Fudan FM4432 |
| Logic-Encryption | Infineon | EU | SLE4442 / SLE5542 | Contact | ↔ Fudan FM4442 / FM5542 |
| Logic-Encryption | Microchip | US | AT88SC0104C / 0204C / 0404C / 0808C / 1616C / 3216C / 6416C / 12816C / 25616C (CryptoMemory) | Contact | — |
| Logic-Encryption | Fudan / FMSH | CN | FM4406 / FM4418 / FM4428 / FM4432 / FM4442 / FM5528 / FM5542 | Contact | ↔ Infineon SLE44xx / SLE55xx |
| CPU | Infineon | EU | SLE78CF1M0P / SLE78CF1M2P (contact) · SLE78CLFX40xxP (dual) | Contact / Dual | ↔ FM1280 / CIU9872B / THD89 (functional) |
| CPU | NXP | EU | P60D024 / P60D080 / P60D144 / P60D145 (SmartMX2) · P71D321 / P71D352 (SmartMX3) | Dual | ↔ FM1280 / CIU9872B / THD89 (functional) |
| CPU | STMicroelectronics | EU | ST33J2M0 / ST33G1M2 / ST33K1M5 (ARM SecurCore) | Contact / Dual | ↔ FM1280 / CIU9872B / THD89 (functional) |
| CPU | Fudan / FMSH | CN | FM1216 / FM1232 / FM1280 | Contact / Dual | ↔ Infineon SLE78 / NXP P71 / ST33 |
| CPU | Huada / HED | CN | CIU98328F / CIU98428F (contact) · CIU9872B / CIU9872B_01 (dual) · CIU98M50 (SIM) | Contact / Dual | ↔ Infineon SLE78 / NXP P71 / ST33 |
| CPU | Unigroup Tongxin | CN | THD86 / THD88 / THD89 · THC20F08AD / THC80F09 (SIM) | Contact / Dual | ↔ Infineon SLE78 / NXP P71 / ST33 |
| CPU | Datang | CN | DMT-CFN2HG6 (contact) · DMT-CBS-CE3D (dual) | Contact / Dual | ↔ Infineon SLE78 / NXP P71 / ST33 |
China CPU cards embed international algorithms (DES/3DES/RSA/ECC/AES) plus Chinese SM1/SM2/SM3/SM4. Product-level payment & ID certifications are handled per project. Part availability and exact specs — contact us before design-in.
Best-Fit Applications
Banking / EMV Payment Card
- Runs EMV-aligned payment applets
- On-chip keys for transaction signing
- Contact or dual-interface options
Government / Citizen ID Card
- Strong authentication and PKI on-chip
- Certified secure-element silicon
- Supports multi-credential personalization
Transit / Multi-Application Card
- Combines payment and access on one card
- Dual-interface for fast tap transit
- Multiple applets via Java Card OS
Secure Access / PKI Card
- Digital signature and secure login
- RSA / ECC key pairs stored on-chip
- Enterprise and e-government use
Frequently Asked Questions
What makes a CPU card different from a logic-encryption card?
A CPU card runs a real operating system on a secure microprocessor with a dedicated crypto coprocessor, executing RSA, ECC, AES and 3DES on-chip. A logic-encryption card (such as SLE4442) only offers password-protected memory. For banking, identity and PKI you need the certified processing and key management that a CPU card provides.
Are the China chips (FM1280, CIU9872B, THD89) equivalent to Infineon, NXP and ST?
They are functional equivalents rather than pin-for-pin clones. Fudan FM1280, Huada CIU9872B and Unigroup THD89 deliver comparable CPU performance and crypto, embedding both international algorithms (RSA/ECC/AES/3DES) and Chinese SM2/SM3/SM4. The right choice depends on your OS, certification and supply needs — we help you map it.
Do payment CPU cards need EMVCo certification?
Payment and ID certifications are handled at the program level and depend on the scheme and market you target. The silicon we supply is certified at the chip level (Common Criteria EAL5+/6+); the card product certification is scoped per project. Tell us your target scheme and we will advise on the path.
What do you need to start a CPU card project?
Share your application (payment, ID, transit, PKI), the preferred or required chip, interface (contact or dual), OS, certification target and quantity. We then advise on chip selection, personalization, key injection and lead time, and provide an exact quote scoped to your project.
Related Products
Closed-Loop Stored-Value Cards
SLE4442 logic-encryption card for canteen, catering and parking payment.
View DetailsDual-Interface CPU Cards
Contact + contactless CPU card for transit and tap payment.
View DetailsJava Card / Multi-App Cards
Java Card OS card hosting several applets on one secure chip.
View DetailsGovernment / eID Cards
Certified secure-element card for citizen ID and e-government.
View DetailsPlanning a payment or ID card program?
We supply certified international and China CPU chips, plus personalization, key injection and project-based customization. Tell us your application, chip, interface and quantity — we'll scope it and quote fast.