SIM Application Toolkit technology is a component of GSM Ph 2 + standard. It is described in ETSI recommendations and at present is supported by all leading producers of SIM-cards and mobile phones.

This technology is widely used by GSM operators for convenient, popular and easy-to-use services, such as inquired information via SMS; mobile commerce, access and management of the bank account, mobile trading; mobile games, translators; definition of the location; Internet mobile access; pre-paid card services; various loyalty programs, etc.

The essence of technology is that specially developed applications are uploaded onto the SIM-card, phase 2 + of the mobile phone in addition to the standard files of phase 1 or 2. Such applications realize a wide range of additional services and are shown as additional telephone menu items. 

After the user has chosen such menu item the application which can manage the device is initiated. The application can request particular data from the keyboard, reveal information on the screen, initiate phone calls, determine the user’s location, process the information at random, generate, send and receive SMS, encoding their contents, and perform other activities. Thus the SIM-card becomes proactive.

The most popular application services content-services (granting of the information on phone by inquiry and in a user-friendly kind) and services of electronic commerce (management of the bank account and payments from phone).

Management of the bank account on the basis of SIM-ToolKit technology is the realization of a specialized client on a SIM-card which provides interactive access to the subscriber’s account in the bank information system. Required means of protection of the transmitted information and reliable authentication of the client are realized.

Intervale is experienced in development of STK-applications and applets on the basis of SIM Application Toolkit technology with the following functionality:

• Multilayer menu which allows the User to select the necessary information;
• Dynamic formation of inquiry to the content — provider as an SMS or a call on a certain number depending on the chosen menu item or the information entered by the user;
• (Possibility of) dynamic configuration of menu items, including their activation and deactivation;
• (Possibility of) usage of standard data encryption in STK-applications (DES, T-DES);
• (Possibility of) access control to particular services using PIN-codes or verification of personal user passwords;
• (Possibility of) dynamic determination of UCS2 encoding support and thus form the menu items in Russian or transliteration.