Qilium is a company developing and providing operating systems for smart cards Smart cities, e-Payment, Access Control, Loyalty, Public Transport, Telecommunication, Internet of Things... Today, these business areas are facing new challenges and trying to bring innovative services to market. The way banks and governments digitalize their customer’s experience is a perfect example of the new services in development. This shows that innovation is leading us to a world increasingly connected where subject such as personal data security will be a central concern. In this context, Qilium has been developing for over 7 years operating systems that manage functionalities, commands and security that smart cards can offer. Our Belgian Company puts forward flexible and quality products allowing cards to become multi-applicative. In a sector where customized solutions are uncommon, Qilium optimizes the functionalities and safeness of its products to perfectly meet the needs of its customers. As a result, Qilium develops systems that enable embedded chips in card to: • store personal information, • control access authorization to sensitive information, • conduct EMV payments, • communicate in NFC, • link loyalty points with transactions, • store subscriptions or transport tickets, • develop new functionality on SIM cards, • ... Beyond our activities of component supplier, we supports our partners in their project from A to Z. Requirements analysis, specifications writing, JavacardTM applet development and personalization are examples of services that we offer to our customers. All this ensure optimal maintenance and allow Qilium to help its partners to reach their objectives in term of innovation, security and quality. Key words : ISO 7816-4 file system (MF, DF, EF), EF’s type : transparent, record (linear & cyclic), purse, Communication protocols: ISO 7816-3 T = 0, 14443 A/B (NFC), 15693 (VIC), dual interface.