Gartner Research

Smart Card Multiapplication: Overview

Published: 25 August 2000

ID: G0090364

Analyst(s): Ellen P. Walsh


In some parts of the world, chip cards, commonly referred to as smart cards, are emerging as the next or x-generation of electronic payment systems. There are over 40 different electronic payment schemes being used in the global market, all of which hold a single application. The new-generation multiapplication cards are capable of supporting multiple applications on the same card, and double as the front end of multiple payment systems. The initiative for smart card issuers is to bundle value-added schemes onto one card. However, this challenge brings a new batch of issues to the forefront including branding (real estate on the card) and who retains card ownership in cases of theft, fraud, or a lost user multiapplication card.

Table Of Contents
  • Technology Basics
    • Open Platforms
    • Business Requirements
    • Multiapplication Card Structure
    • Smart Card Management
    • Privacy Framework for Applications
    • Operating Requirements
  • Technology Analysis
    • Internet Smart Card Application Development (Gemplus SmartX Framework)
    • OpenCard Framework
    • GSM
    • Software Components
    • Card Management
    • Business Use
    • Benefits and Risks
    • Standards
  • Technology Leaders
  • Insight

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