Most people use a wet wad of bubble gum on the back of their smart phones. The smart card attaches right on. The smart card appears like a restricted memory to the smart phone. You can change the smart card balances, but you will need to tap in your personal tap code, thus the exchange is always bot to bot, it will tunnel through the smart phone.
So the smart phone is useful, but the owner can also tap his card on the home PC, or tap the wall where smart vault is buried.
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