I have spent over 30 years working in the security area for banks and mobile operators. Let me refer to my CV

security developments:

• HSM hardware and software for online authentication using a hardware one-time-password generator
• Authentication System for VISA transactions, including encryption modules and secure protocols
• POS authentication protocol for card transactions used in Germany from 1995-200S.
• Product Manager of Wireless PKI applications for mobile digital signature, SIM card based
• NFC mobile application residing on SIMs for public transport applications (Mifare4Mobile)