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[bib03] [3] Robin C. Townend. Finance: History, Development & Market Overview, Smart Card News Ltd. http://www.smartcard.co.uk/

[bib04] [4] Java Card Forum, http://www.javacardforum.org/

[bib05] [5] OpenCard consortium, http://www.opencard.org/

[bib06] [6] International Organization for Standards, http://www.iso.ch/

[bib07] [7] PC/SC Workgroup, http://www.pcscworkgroup.com/

[bib08] [8] European Telecommunications Standards Institute, http://www.etsi.org/

[bib09] [9] GlobalPlatform, http://www.globalplatform.org/

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