Smart cards are all around us, and their security features can be utilized to protect data in almost any computer system. In clear, comprehensible language, this book provides a solid overview of the benefits and limitations of smart cards for secure applications, and shows how to implement the procedures needed to make smart cards effective in protecting information. The author examines the unique hardware and software elements behind each type of smart card, explains the various cardholder identification methods, and guides readers through the process of choosing the most suitable level of technology and encryption and protecting the smart card through all stages of its lifecycle. The book also provides an inside look at how smart cards are currently being used to provide security in the telecommunications, finance, health care, and travel industries, examines the unique problems posed by multi-application cards, and explores current smart card issues and trends. It includes a working model for use in designing a smart card security system, as well as a full glossary and description of standards.