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== Further reading ==
* {{cite book|title=Smart Card Handbook|url=https://archive.org/details/smartcardhandboo00rank_578|url-access=limited|author=W Rankl and W Effing|pages=[https://archive.org/details/smartcardhandboo00rank_578/page/n70 36]–38|year=2003|publisher=John Wiley and Sons|isbn=0-470-85668-8|doi=10.1002/047085670X.ch3}}
* {{cite book|title=E-Finance: Elektronische Dienstleistungen in der Finanzwirtschaft|author=Freimut Bodendorf and Susanne Robra-Bissantz|pages=49–50|year=2003|publisher=Oldenbourg|isbn=3-486-25890-7|language=German}}
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