Chapter 1 Smart Card Programming
	Smart Card Software
		Host Software
		Card Software
		Host and Card Software Integration
		High-Level Language Card Programs
		Assembly Language Card Programs
		Smart Card Software Security
	Smart Card Operating Systems
	Smart Card File Systems
	Smart Card Communications
	Smart Card Hardware
		The Smart Card Memory System
		The Smart Card Central Processing Unit
		Smart Card Input/Output
	Smart Card System Design
		Data Security
		Data Integrity
	Smart Card System Architecture
	Summary
Chapter 2 Physical Characteristics of Smart Cards
	What's in the Card?
		Integrated Circuit Chips
		Coprocessors
		Security Features
	The Manufacturing Process
		Mask Development
		Code Development
		Chip Simulators
		Chip Emulators
		Protocol Analyzers
		Interface Devices (Readers)
	Summary
Chapter 3 Some Basic Standards for Smart Cards
	ISO, IEC, and ANSI Standards for Smart Cards
		Physical Characteristics of Identification Cards
		Encoding of Information for Identification Cards
		The Business Model for Identification Cards
	Smart Card Standards
		Characteristics of Smart Cards
		Other Smart Card Standards and Specifications
	Summary
Chapter 4 Smart Card Commands
	Link-Level Protocols
		The T=0 Protocol
		The T=1 Protocol
	Application-Level Protocols
		The ISO 7816-4 APDU
		The File System API
		The Security API
	Summary
Chapter 5 The Schlumberger Multiflex Smart Card
	Activating Smart Cards: Reset and Answer to Reset
	Directories and Files
		Selecting a Directory
		Selecting an Elementary File
		Keys and Key Files
		Creating a PIN File and Updating the External Authentication Key File
		Record Files and Seek
		Cyclic Files and Electronic Purses
	Multiflex Commands
		Protected-Model Commands
	Internal and External Authentication
		Authentication States and Authentication State Transitions
	Tracking EEPROM Usage
	Summary

Part II Smart Card Software Development

Chapter 6 Smart Card Software Development Tools
	Tools for Host Software Development
		Smart Card Editors
		Smart Card Systems, Infrastructures, and Plug-Ins
		Smart Card Software Development Kits and Application Programming Interfaces
		Smart Card Reader Interfaces
	Tools for Card Software Development
		Assemblers and Compilers
		Simulators and Debuggers
		Emulators and Testers
		Smart Card Operating Systems
	Miscellaneous Tools
	Summary
Chapter 7 Reader-Side Application Programming Interfaces
	PC/SC
		The PC/SC API
		The Multiflex SSP
		MULTOS
		The Open Card Framework
	ICC Specification for Payment Systems (EMV'96)
		EMV Commands
		Data Authentication and Digital Certificates
		Visa Integrated Circuit Card Specification
		SET 2.0 and the Visa Open Technology Platform
		C-SET
		IATA 791/20.204
	Cryptographic Smart Cards
		Cryptographic Smart Card Commands
		The DCE Personal Security Module API
	Summary
Chapter 8 Card-Side Application Programming Interfaces
	Programming Considerations
		Counterfeit Cards
		Special Considerations in Writing Card-Side Software
		Memory
		Tearing
		Testing and Debugging
		Linking and Loading
		File Design
		Reader Behavior
		Reader Communication
	The Standards-Based APIs
		The ISO 7816-4 Standard
		The GSM 11.14 Standard
	The Vendor APIs
		Schlumberger's Customer-Oriented System
		MULTOS
	The Java Card
		Java Card API Developments
		Schlumberger's Java Card 1.0 API
		Schlumberger's Java Card 20. Core API
		The JavaSoft Java Card 2.0 API
	Summary
Chapter 9 Smart Cards and Security
	Objectives and Characteristics of Security Systems
		Authentication
		Authorization
		Privacy
		Integrity
		Nonrepudiation
	The System Components
		The Card
		The Cardholder
		The Card Issuer
		The Terminal
		The PC
		The Network
		The Application
	The Mechanisms
		Physical Security
		Authentication
		Integrity
		Authorization
		Privacy
	Summary

Part III Smart Card Application Examples

Chapter 10 The Smart Shopper Card Program
	The Story of the Smart Shopper Cards
		Merchants Using Smart Shopper
		Scenarios for Using Smart Shopper
	High-Level Design
	File Layout
		The Master File
		The Cardholder Personal Data File
		The Smart Commerce Solutions Card Administration File
		The Merchant External Authentication File
		The Frequent Buyer Points File
		The Cumulative Purchases File
		The Want List File
		File Sizes
	Card Security Architecture
	Personalizing the Smart Shopper Card
	The Smart Commerce Solutions Web Site and Smart Commerce Solutions Application Programs
		The Smart Shopper Card Browser Program
	The Harvest Festival Application Programs
	The Scrivener's Corner Application Program
	The Smart Commerce Solutions Smart Shopper Card Management Utility
	Summary
Chapter 11 The FlexCash Card: An E-commerce Smart Card Application
	An Example: E-Coins, E-Money, and E-Bucks
	The Design of the FlexCash Smart Card Program
	FlexCash Card Monitor Implementation
	The Flex Cash Card Browser and Editor
	The E-Bucks E-cash Protocol and Implementation
		The E-Bucks E-cash Protocol
		The E-Bucks Card-Side Code
		The E-Bucks Reader-Side Code
	Summary
Glossary
Appendix A - ISO 7816-4 Smart Card Commands
Appendix B - Multiflex 3K Smart Card Commands