Our SmartKit® technology solutions permit secure, conditional access, flexible multi-card payment and data storage to be performed in a low cost, easy-to-use, secure manner. Conditional access and security applications include those that restrict the use of select products and services. Payment system applications include the use of smart cards in connection with credit and debit card systems, as well as coin and currency replacement, couponing and electronic commerce. Data storage applications can use the storage capacity of smart cards to provide secure record keeping and funds transfer in a durable, portable form.