Editing SD card (section)

===smartSD cards===
A smartSD memory card is a microSD card with an internal "[[secure element]]" that allows the transfer of ISO 7816 [[Smart card application protocol data unit|Application Protocol Data Unit]] commands to, for example, [[JavaCard]] applets running on the internal secure element through the SD bus.<ref>{{cite web |url=https://www.sdcard.org/downloads/pls/latest_whitepapers/Activating_New_Mobile_Services_and_Business_Models_With_smartSD_Memory_Cards_Revsied_11-3-2014.pdf |title=Activating New Mobile Services and Business Models with smartSD Memory cards |date=November 2014 |publisher=SD Association |access-date=2017-08-02 |archive-date=2016-12-23 |archive-url=https://web.archive.org/web/20161223213554/https://www.sdcard.org/downloads/pls/latest_whitepapers/Activating_New_Mobile_Services_and_Business_Models_With_smartSD_Memory_Cards_Revsied_11-3-2014.pdf |url-status=dead}}</ref>

Some of the earliest versions of microSD memory cards with secure elements were developed in 2009 by [[DeviceFidelity, Inc.]],<ref>{{cite web |url=https://www.nfcw.com/2009/11/11/32254/devicefidelity-launches-low-cost-microsd-based-nfc-solution/ |title=DeviceFidelity launches low cost microSD-based NFC solution |website=nfcw.com |last=Clark |first=Sarah |date=11 November 2009 |access-date=28 July 2021 |archive-date=4 March 2021 |archive-url=https://web.archive.org/web/20210304175751/https://www.nfcw.com/2009/11/11/32254/devicefidelity-launches-low-cost-microsd-based-nfc-solution/ |url-status=live}}</ref><ref>{{cite web |url=https://www.secureidnews.com/news-item/devicefidelity-rolls-out-microsd-payment-tool/ |title=DeviceFidelity rolls out microSD payment tool |website=SecureIDNews |date=10 November 2009 |access-date=28 July 2021 |archive-date=8 May 2021 |archive-url=https://web.archive.org/web/20210508014458/https://www.secureidnews.com/news-item/devicefidelity-rolls-out-microsd-payment-tool/ |url-status=live}}</ref> a pioneer in [[near-field communication]] (NFC) and [[mobile payments]], with the introduction of In2Pay and CredenSE products, later commercialized and certified for mobile contactless transactions by [[Visa Inc.|Visa]] in 2010.<ref>{{cite web |url=https://investor.visa.com/news/news-details/2010/Visa-and-DeviceFidelity-Collaborate-to-Accelerate-Adoption-of-Mobile-Contactless-Payments/default.aspx |title=Visa and DeviceFidelity Collaborate to Accelerate Adoption of Mobile Contactless Payments |website=visa.com |date=15 February 2010 |access-date=28 July 2021 |archive-date=19 September 2015 |archive-url=https://web.archive.org/web/20150919131031/http://investor.visa.com/news/news-details/2010/Visa-and-DeviceFidelity-Collaborate-to-Accelerate-Adoption-of-Mobile-Contactless-Payments/default.aspx |url-status=live}}</ref> DeviceFidelity also adapted the In2Pay microSD to work with the Apple iPhone using the iCaisse, and pioneered the first NFC transactions and mobile payments on an Apple device in 2010.<ref>{{cite web |url=https://www.engadget.com/2010-05-18-in2pay-is-the-name-of-visa-and-devicefidelitys-money-grubbing-i.html |title=In2Pay is the name of Visa and DeviceFidelity's money-grubbing iPhone case |website=Engadget |date=18 May 2010 |access-date=28 July 2021 |archive-date=26 January 2021 |archive-url=https://web.archive.org/web/20210126201901/https://www.engadget.com/2010-05-18-in2pay-is-the-name-of-visa-and-devicefidelitys-money-grubbing-i.html |url-status=live}}</ref><ref>{{cite web |url=https://www.youtube.com/watch?v=trHueSWx0-g |archive-url=https://ghostarchive.org/varchive/youtube/20211029/trHueSWx0-g| archive-date=2021-10-29|title=Device Fidelity's Amitaabh Mohortra Speaks about their micro NFC device for almost any phone |website=youtube.com |date=26 October 2013 |access-date=28 July 2021 |url-status=live}}{{cbignore}}</ref><ref>{{cite web |url=https://www.nfcw.com/2010/09/23/34489/devicefidelity-adds-nfc-microsd-support-for-iphone-4/ |title=DeviceFidelity adds NFC microSD support for iPhone 4 |last=Clark |first=Mike |website=nfcw.com |date=23 September 2010 |access-date=28 July 2021 |archive-date=19 January 2021 |archive-url=https://web.archive.org/web/20210119025901/https://www.nfcw.com/2010/09/23/34489/devicefidelity-adds-nfc-microsd-support-for-iphone-4/ |url-status=live}}</ref>

Various implementations of smartSD cards have been done for payment applications and secured authentication.<ref>{{cite web|url=http://www.sdcard.org/developers/overview/ASSD/smartsd|title=smartSD Memory Cards|publisher=SD Association|access-date=2016-02-23|archive-date=2015-07-08|archive-url=https://web.archive.org/web/20150708041012/http://www.sdcard.org/developers/overview/ASSD/smartsd/|url-status=live}}</ref><ref>{{cite web|url=http://nfctimes.com/news/microsd-vendor-announces-taiwanese-m-payment-trial-using-htc-nfc-phones|title=MicroSD Vendor Announces Taiwanese M-Payment Trial Using HTC NFC Phones|publisher=NFC Times|access-date=2016-02-23|archive-date=2016-04-27|archive-url=https://web.archive.org/web/20160427232346/http://nfctimes.com/news/microsd-vendor-announces-taiwanese-m-payment-trial-using-htc-nfc-phones|url-status=live}}</ref> In 2012 [[Good Technology]] partnered with DeviceFidelity to use microSD cards with secure elements for [[mobile identity]] and [[access control]].<ref>{{cite web |url=https://www.secureidnews.com/news-item/devicefidelitys-good-vault-provides-identity-and-access-solution-for-ios/ |title=DeviceFidelity's Good Vault provides identity and access solution for iOS |website=SecureIDNews |last=Hudson |first=Andrew |date=10 December 2012 |access-date=28 July 2021 |archive-date=23 October 2021 |archive-url=https://web.archive.org/web/20211023195556/https://www.secureidnews.com/news-item/devicefidelitys-good-vault-provides-identity-and-access-solution-for-ios/ |url-status=live}}</ref>

microSD cards with Secure Elements and NFC ([[near-field communication]]) support are used for mobile payments, and have been used in direct-to-consumer mobile wallets and mobile banking solutions, some of which were launched by major banks around the world, including [[Bank of America]], [[US Bank]] and [[Wells Fargo]],<ref>{{cite press release |url=https://www.businesswire.com/news/home/20130114005951/en/Datacard-Group-DeviceFidelity-U.S.-Bank-Announce-New |title=Datacard Group, DeviceFidelity and U.S. Bank Announce New Smart Card and Mobile Payment Program |publisher=Datacard Group |date=14 January 2013 |access-date=28 July 2021 |via=Businesswire |archive-date=20 August 2021 |archive-url=https://web.archive.org/web/20210820214158/https://www.businesswire.com/news/home/20130114005951/en/Datacard-Group-DeviceFidelity-U.S.-Bank-Announce-New |url-status=live}}</ref><ref>{{cite web |url=https://www.nfcw.com/2010/08/19/34339/bank-of-america-to-run-nfc-payments-trial-in-new-york/ |title=Bank of America to run NFC payments trial in New York |website=nfcw.com |last=Clark |first=Sarah |date=19 August 2010 |access-date=28 July 2021 |archive-date=25 January 2021 |archive-url=https://web.archive.org/web/20210125143142/https://www.nfcw.com/2010/08/19/34339/bank-of-america-to-run-nfc-payments-trial-in-new-york/ |url-status=live}}</ref><ref>{{Cite web |url=https://www.businesswire.com/news/home/20101206007176/en/Wells-Fargo-Roll-Mobile-Payments-Pilot-Visa |title=Wells Fargo to Roll Out Mobile Payments Pilot; Visa Demonstrating Capability at CARTES 2010 &#124; Business Wire |access-date=2020-10-14 |archive-date=2020-10-14 |archive-url=https://web.archive.org/web/20201014173430/https://www.businesswire.com/news/home/20101206007176/en/Wells-Fargo-Roll-Mobile-Payments-Pilot-Visa |url-status=dead}}</ref> while others were part of innovative new direct-to-consumer [[neobank]] programs such as [[moneto]], first launched in 2012.<ref>{{cite press release |url=https://www.prweb.com/releases/2012/1/prweb9086910.htm |archive-url=https://web.archive.org/web/20120113083550/http://www.prweb.com/releases/2012/1/prweb9086910.htm |url-status=dead |archive-date=January 13, 2012 |title=DeviceFidelity and SpringCard Launch moneto, the World's First Multi-Platform Mobile Wallet for iPhone and Android at CES |publisher=DeviceFidelity |date=10 January 2012 |access-date=28 July 2021 |via=Cision}}</ref><ref>{{cite web |url=https://www.nfcw.com/2012/09/11/317791/moneto-to-bring-nfc-payments-to-europe/ |title=Moneto to bring NFC payments to Europe |website=nfcw.com |last=Clark |first=Sarah |date=11 September 2012 |access-date=28 July 2021 |archive-date=25 January 2021 |archive-url=https://web.archive.org/web/20210125134752/https://www.nfcw.com/2012/09/11/317791/moneto-to-bring-nfc-payments-to-europe/ |url-status=live}}</ref><ref>{{cite web|url=http://www.rfid-ready.com/201403038507/garanti-bank-deploys-nfc-services-on-microsd.html|title=Garanti Bank deploys NFC services on microSD|publisher=RFID Ready|access-date=2016-02-23|archive-date=2017-02-02|archive-url=https://web.archive.org/web/20170202124458/http://www.rfid-ready.com/201403038507/garanti-bank-deploys-nfc-services-on-microsd.html|url-status=dead}}</ref><ref>{{cite web|url=http://www.nfcworld.com/2012/10/31/320843/devicefidelity-launches-new-range-of-nfc-microsd-devices/|title=DeviceFidelity launches new range of NFC microSD devices|publisher=NFC World+|date=2012-10-31|access-date=2016-02-23|archive-date=2016-04-20|archive-url=https://web.archive.org/web/20160420165354/http://www.nfcworld.com/2012/10/31/320843/devicefidelity-launches-new-range-of-nfc-microsd-devices/|url-status=live}}</ref>

microSD cards with Secure Elements have also been used for secure [[voice encryption]] on mobile devices, which allows for one of the highest levels of security in person-to-person voice communications.<ref>{{cite web |url=https://koolspan.com/iphone_devicefidelity/ |title=iPhone Voice Encryption from KoolSpan and DeviceFidelity |website=koolspan.com |date=11 March 2013 |access-date=28 July 2021 |archive-date=27 January 2021 |archive-url=https://web.archive.org/web/20210127060537/https://koolspan.com/iphone_devicefidelity/ |url-status=dead}}</ref> Such solutions are heavily used in intelligence and security.

In 2011, [[HID Global]] partnered with [[Arizona State University]] to launch campus access solutions for students using microSD with Secure Element and [[MiFare]] technology provided by [[DeviceFidelity, Inc.]]<ref>{{cite web |url=https://www.cr80news.com/news-item/arizona-students-first-to-trial-mobile-phones-with-nfc-for-door-access/ |title=Arizona students first to trial mobile phones with NFC for door access |work=CR80 News |last=Corum |first=Chris |date=14 September 2011 |access-date=28 July 2021 |archive-date=6 November 2021 |archive-url=https://web.archive.org/web/20211106083657/https://www.cr80news.com/news-item/arizona-students-first-to-trial-mobile-phones-with-nfc-for-door-access/ |url-status=live}}</ref><ref>{{cite web |url=https://www.youtube.com/watch?v=d4NmYdMAAHU | archive-url=https://ghostarchive.org/varchive/youtube/20211029/d4NmYdMAAHU| archive-date=2021-10-29|title=Case Study: Mobile Access Pilot at Arizona State University |website=youtube.com |date=14 October 2011 |access-date=28 July 2021 |url-status=live}}{{cbignore}}</ref> This was the first time regular mobile phones could be used to open doors without need for electronic access keys.