Mike Hendry is a freelance consultant and industry expert on card and payments systems. He has many years of international experience in industry, was the technical and operations director of the UK Chip and PIN Programme, and is the author of several books.

"an indispensible companion for anyone planning a multi-application smart card project"Martin Walton, Southampton Solent University

• Foreword; Acknowledgements; 1. Background; 2. When is a card multi-application?; 3. Smart card basics; 4. Biometrics; 5. Security and cryptography; 6. Card technology; 7. Readers and terminals; 8. Application selection: the ISO 7816 family; 9. JavaCard and GlobalPlatform; 10. Multos; 11. Other operating systems; 12. Card management systems; 13. Common business requirements; 14. Telecommunications; 15. Banking; 16. Transportation; 17. Government and citizens' cards; 18. Campus cards and closed user groups; 19. Organisation and structure; 20. Implementation; 21. Prognosis; Appendix A. Glossary; Appendix B. Further reading; Appendix C. Standards; References.

Mike Hendry is a freelance consultant and industry expert on card and payments systems. He has many years of international experience in industry, was the technical and operations director of the UK Chip and PIN Programme, and is the author of several books.

"an indispensible companion for anyone planning a multi-application smart card project"Martin Walton, Southampton Solent University

• Foreword; Acknowledgements; 1. Background; 2. When is a card multi-application?; 3. Smart card basics; 4. Biometrics; 5. Security and cryptography; 6. Card technology; 7. Readers and terminals; 8. Application selection: the ISO 7816 family; 9. JavaCard and GlobalPlatform; 10. Multos; 11. Other operating systems; 12. Card management systems; 13. Common business requirements; 14. Telecommunications; 15. Banking; 16. Transportation; 17. Government and citizens' cards; 18. Campus cards and closed user groups; 19. Organisation and structure; 20. Implementation; 21. Prognosis; Appendix A. Glossary; Appendix B. Further reading; Appendix C. Standards; References.

Mike Hendry is a freelance consultant and industry expert on card and payments systems. He has many years of international experience in industry, was the technical and operations director of the UK Chip and PIN Programme, and is the author of several books.

"an indispensible companion for anyone planning a multi-application smart card project"Martin Walton, Southampton Solent University

• Foreword; Acknowledgements; 1. Background; 2. When is a card multi-application?; 3. Smart card basics; 4. Biometrics; 5. Security and cryptography; 6. Card technology; 7. Readers and terminals; 8. Application selection: the ISO 7816 family; 9. JavaCard and GlobalPlatform; 10. Multos; 11. Other operating systems; 12. Card management systems; 13. Common business requirements; 14. Telecommunications; 15. Banking; 16. Transportation; 17. Government and citizens' cards; 18. Campus cards and closed user groups; 19. Organisation and structure; 20. Implementation; 21. Prognosis; Appendix A. Glossary; Appendix B. Further reading; Appendix C. Standards; References.