| Founders Message | 6 |
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| Foreword | 7 |
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| Preface | 9 |
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| Structure of the book | 9 |
| Acknowledgements | 12 |
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| Contents | 13 |
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| List of Figures | 21 |
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| List of Tables | 25 |
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| List of Contributors | 27 |
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| List of Reviewers | 32 |
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| An Introduction to Smart Cards | 33 |
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| 1.1 Introduction | 33 |
| 1.2 What is a Smart Card? | 34 |
| 1.2.1 Magnetic Stripe Cards | 34 |
| 1.2.2 Chip Cards | 37 |
| 1.2.3 Microprocessor Chip Cards | 38 |
| 1.2.4 Contact-less Smart Cards and RFIDs | 38 |
| 1.2.5 Smart Tokens | 39 |
| 1.3 Smart Card Chips | 40 |
| 1.4 Tamper Resistance | 43 |
| 1.5 Smart Card Characteristics | 44 |
| 1.6 Issuer Control | 45 |
| 1.7 Current Applications for Smart Cards | 46 |
| 1.7.1 Mobile Telephony | 47 |
| 1.7.2 Banking | 49 |
| 1.7.3 Transport | 49 |
| 1.7.4 Identity and Passports | 50 |
| 1.7.5 Entitlement and Health | 50 |
| 1.7.6 Physical and IT Access Control | 51 |
| 1.7.7 Satellite TV | 52 |
| 1.8 Smart Card Application Development | 52 |
| 1.9 Development, Roll-Out and Lifecycle Management Issues | 54 |
| 1.10 In Conclusion | 55 |
| Acknowledgement | 56 |
| References | 56 |
| Smart Card Production Environment | 58 |
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| 2.1 Introduction | 58 |
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