IC card systems based on the EMV specification are being phased in across the world, under names such as "IC Credit" and "Chip and PIN".
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For more details of this (specifically, the system being implemented in the UK) see Chip and PIN.
He is also known for discovering several vulnerabilities in the EMV bank chipcard payment system (Chip and PIN).
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Cambridge University researchers Steven Murdoch and Saar Drimer demonstrated in a February 2008 BBC Newsnight programme one example attack, to illustrate that Chip and PIN is not secure enough to justify passing the liability to prove fraud from the banks onto customers.
MULTOS is a multi-application smart card operating system, that enables a smart card to carry a variety of applications, from chip and pin application for payment to on-card biometric matching for secure ID and ePassport.