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The smart card has a microprocessor or a memory chip embedded in a plastic card. It has been in wide use in Europe and Japan for payment, entry into buildings and computer systems, and storage and access of special types of information. In the US, despite efforts by the credit card industry, the smart card has not been nearly as widely adopted as in Europe and Japan. In this article, we will review the status of the technology and applications of the smart card. Then we will summarize various issues that hinder a wider adoption of the smart card, particularly in the US, and discuss the trends and prognosis for the adoption of the smart card in the US in the foreseeable future.

Smart Cards: Status, Issues, and US Adoption.