https://www.muslim-library.com/english/edc-publications/%e0%a4%87%e0%a4%b8%e0%a5%8d%e0%a4%b2%e0%a4%be%e0%a4%ae-%e0%a4%95%e0%a5%80-%e0%a4%96%e0%a5%8b%e0%a4%9c-smart-card/