Java Card Forum

The Java Card Forum is an industry association of companies from the smart card, secure operating system and secure silicon industry, working together to promote and develop Java as the preferred programming language for multi-application smart cards, secure devices and other execution environments.

Tag Archives: SECORA


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Java Card at the Heart of Secured Wearable Payments

As contactless payment continues to expand beyond cards and smartphones, secured wearable devices are becoming an increasingly important part of the digital payments ecosystem. A recent announcement from Java Card Forum member Infineon Technologies highlights this trend, with the introduction of SECORA™ Connect X and SECORA™ Wallet with SECORA™ Token Requestor for enabling secured contactless payments in smart wearables.

Infineon’s release points to growing demand for NFC-enabled devices, including smart watches, smart rings, sports watches and fitness trackers. Its SECORA™ Connect X solution uses a Secure Element to store payment credentials directly on the chip, rather than in the cloud, helping to provide a strong security foundation for wearable payment services. Combined with SECORA™ Wallet and SECORA™ Token Requestor, the solution supports card digitisation, payment tokenisation and branded wallet applications.

For the Java Card community, this is a strong example of the benefits Java Card technology brings to modern secured applications. Infineon notes that Java Card and GlobalPlatform standards support seamless integration through development tools, while pre-certified applets and available memory help developerscreate customised NFC and Bluetooth-enabled applications.

Java Card’s proven strengths (security, interoperability, flexibility and a mature development ecosystem) make it well suited to applications where trusted credentials must be protected in compact, power-efficient devices. In wearable payments, these benefits help manufacturers accelerate innovation while supporting the standards-based security and certification requirements expected across the global payments industry.

Infineon also highlights its contribution to industry bodies including the Java Card Forum, GlobalPlatform, EMVCo, ISO and the NFC Forum. This collaborative standards-based approach is central to the continued evolution of secured digital services, from payments and identity to IoT and connected devices.

Read Infineon’s full press release here: https://www.infineon.com/market-news/2026/infcss202605-091

Application page SECORA™ one-stop-shop for wearable payments: https://www.infineon.com/applications/security-solutions/payment-solutions/one-stop-shop-wearable-payments

Product page SECORA™ Connect X: https://www.infineon.com/products/security-smart-card-solutions/secora-security-solutions/secora-connect-solutions/secora-connect-x

Product page SECORA™ Wallet and SECORA™ Token Requestor: https://www.infineon.com/products/security-smart-card-solutions/secora-security-solutions/secora-wallet-and-secora-token-requestor


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Why Java Card Is the Logical Choice for SECORA™️ Pay M from Infineon

SECORA Pay M, FIDO, and the Role of Java Card

The new SECORA Pay M platform from Infineon brings together two high-security domains that traditionally lived on separate hardware: EMV-grade payment and FIDO-based authentication. By enabling both functions on a single secure element, SECORA Pay M targets devices such as payment cards and wearables that require seamless “tap-to-pay” and “tap-to-authenticate” behaviour.

To make this convergence practical, Infineon built SECORA Pay M on Java Card 3.1, and there are clear technical reasons why:

1. Multi-application secured co-existence— essential for EMV payment + FIDO on one chip

EMV payment applet and a FIDO authenticator (for passwordless login) have distinctly different threat models and certification paths. Java Card provides strict application sandboxing, ensuring that the FIDO applet cannot access or infer anything about the payment keys, and vice-versa. This isolation is fundamental when combining two high-value credential domains.

2. Standards-aligned platform for FIDO

FIDO authentication relies on modern cryptographic primitives, secure key storage, attestation, and anti-phishing protections. Java Card provides standardized crypto APIs and lifecycle management consistent with GlobalPlatform, making it easier to implement a certified FIDO authenticator while reusing proven secure-element infrastructure.

3. Future-proofing across rapidly evolving authentication standards

FIDO specifications evolve quickly, and authentication requirements (e.g., passkeys, enterprise attestation, hybrid credentials) continue to expand. Java Card’s applet-based modularity allows updates or new authentication functions without redesigning the secure hardware. This gives SECORA Pay M a longer, more flexible lifecycle.

4. Faster certification and deployment for customers

Payment schemes, banks, and authentication providers all rely on well-established certification frameworks. Because Java Card is a long-standing standard in smart cards, much of the security architecture is already audit-proven. This reduces time-to-market for SECORA Pay M deployments that must satisfy both EMVpayment and FIDO requirements.

In short: SECORA Pay M combines contactless EMV payments and modern “tap-to-authenticate” / passwordless login  in a single secure element, and Java Card is the enabling layer – providing isolation, cryptographic consistency, standardization, and an upgrade path that makes this dual-function design both secure and scalable.

More details can be found here on the Infineon site.


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Java Card enables innovative biometric cards

To further improve the performance and production effectiveness of biometric payment cards, Infineon Technologies AG and its strategic partner Fingerprints™ are developing the all-in-one solution SECORA™ Pay Bio.

This turnkey solution will come with a pre-certified Java Card operating system including Mastercard and Visa bio-applets. It will enable a cost-efficient, scalable production based on state-of-the-art card manufacturing equipment.

SECORA™ Pay Bio will extend Infineon’s well-established SECORA™ Pay turnkey solution family (all based an Java Card technology) to address the fast growing segment of biometric banking cards. SLC39B is Infineon’s advanced system-on-chip (SoC) cryptoprocessor with integrated power source, large memory size and diverse peripherals as well as best-in-class contactless performance. The company’s BCoM is a tailored innovative dual-interface Coil on Module (CoM) for SECORA™ Pay Bio, which integrates Fingerprints’ advanced sensor and Infineon’s upcoming Secure Element into a single package. With the inductive coupling technology, no wire-connection between the card antenna and the module is needed. This allows to significantly improve the robustness and long-term reliability of biometric payment cards. With its innovative concept and enhanced capabilities, SECORA™ Pay Bio will make touchless payments more convenient without the need of  low transaction limits.

Java Card technology as a flexible smart card platform combined with GlobalPlatform card management features ennables fast innovation. With the standardized Java Card API, that separates the application layer from the operating system layer, payment networks can focus on the application design, whereas platform providers innovate at the operating system and chip level. The integration of new interfaces to sensors or libraries to extract and match fingerprint information does not result in a complete re-design of the system, but results in new Java Card APIs that can be used by all players in the industry. All this allows interoperability in the market andwill provide added value for all players in the value chain.

More information is available at Payments-in-Motion.