Home Page > WAP
is SIM Toolkit?
Application Toolkit (SAT) Forum
SIM Toolkit is an ETSI/SMG standard for Value Added Services and
e-commerce using GSM phones to do the transactions.
You will be able to check your
bank account and pay bills using your SIM Toolkit-enabled phone with an
appropriate SIM Toolkit-specific SIM card which will provide much of the
intelligence to conclude a transaction over GSM.
How does it work?
SIM Toolkit programmed into the special GSM SIM card
essentially enables the SIM card to drive the GSM handset interface, build up an
interactive exchange between a network application and the end user and access
or control access to the network. For the first time the SIM card has a
proactive role in the handset. This means that the SIM initiates commands
independently of the handset and the network.
The SIM Toolkit Standard
Smart Card developers like Gemplus have
contributed over the years to the evolution of the ETSI standards for SIM cards.
SIM Toolkit is the result of the SMG9’s work on the role of the smart
card in the mobile handset. In 1995, the first ideas and draft documents were
specified, resulting in 1996 with the standardization of SIM application Toolkit
as an ETSI (European Telecommunications Standard Institute) standard: GSM
then, real life services have been launched with telecom operators:
The first SIM Toolkit application was the Cellnet/Barclaycard remote banking
service launched in May ’97 on GemXplore SIM cards. In 1997, the
Telia/PostGirot remote payment service was also launched on GemXplore SIM cards,
and in June ’98 SmarTone Hong Kong launched the first Asian SIM Toolkit
information service on GemXplore cards.
Application Toolkit (SAT) Forum
|The concept is to use
the mobile phone to pay for electricity bills.
In Sweden, Telia - Sweden's no. 1 Telecom
Operator - and Postgirot Bank, a subsidiary of Sweden Post with 1.7
million customers, the leading payment intermediary in the Swedish payment
market launched their MobilSmart application in September 1997.
Thanks to SIM Toolkit, the customer is assisted
throughout the transaction in paying electricity bills.
Here's how it
works in Sweden....
A specific PIN code must be
entered in the GSM phone to start the application
The user then enters the
Postgirot account number, the date and the amount payable.
The SIM will then package this
information into a Short Message Service (SMS)
The user can add a comment to
recognize the payment in a future statement.
- The card then automatically calculates an
electronic signature with a dedicated algorithm.
- This SMS is sent to Telia's Short Message
Service Center (SMSC) and processed by Postgirot's SmartSec system
- Once it has been processed, SmartSec returns
an acknowledgement to the user to confirm payment
following standards are the most commonly used to develop SIM Toolkit
The GSM 11.14 standard has evolved with the
rest of the GSM standards. Each year, the ETSI issues different releases of the
Phase 2+ standard. Each release corresponds to the SIM phases:
Release 96: Phase 2+ V5
Release 97: Phase 2+ V6
The standard is constantly evolving and
will continue to evolve as a GSM phase 2+ feature (new commands, new features,
new handsets, new market opportunities).
The 11.14 standard is a feature of the
Phase 2+ specification.
- GSM 02.17 Release 98 V7.0.0 SIM, Functional
- GSM 03.48 Release 97 V6.1.0 SIM Application
- GSM 11.11 Release 98 V7.0.0 Specification of
the SIM-ME Interface
- GSM 11.14 Release 98 V7.0.0 Specification of
the SIM-ME Interface for SIM Application Toolkit
SIM Toolkit features can be classified into
- Control of the Man-Machine Interface
- Communication services
- Menu management and application control
- Accessory management
SIM Toolkit defines how the card should
interact with the outside world and extends the communication protocol between
the card and the handset. For the first time: the card has a proactive role in
the handset (this means that the SIM initiates commands independently of the
handset and the network).