Going forth, the vision for the consumer takes the current voice and data communication channels and adds a contactless communication channel, which transforms today’s mobile phones into a multipurpose terminal, lifestyle tool and personal security device. This transformation can be accomplished in a variety of ways. The first is the introduction of a dual-interface UICC (Universal Integrated Circuit Card), combining (U)SIM applications for 2G or 3G networks with contactless capability. The second is the integration of contactless technology, Near Field Communications (NFC), into the handset itself. The third is the introduction of a removable multi-media card (MMC) with integrated security and contactless technology.