BTW, the two major manufacturers they're talking about are NXP (http://www.nxp.com/) and Infineon (http://www.infineon.com/). STMicroelectonics (http://www.st.com/) is also a player here and Feitian has also started doing it (http://www.ftsafe.com/product/epass/eJavaToken). NXP and Infineon are notoriously hard to get started with for small companies and independent developers but they have some very clever proprietary stuff in their chips.