The purpose of this document is to describe the inclusion (embedding) of the functionality of a FINREAD IC card reader as specified within CEN/ISSS CWA 14174 into a range of hosting devices such as mobile phones, set-top boxes or PDAs. This document outlines an abstract overview of the main characteristics of such a reader, and with this concept in mind, provides an analysis of the technology as well as the architecture of such hosting device. The analysis will concentrate on:. the main characteristics and the environment of each generic device;. important and relevant standards or existing initiatives;. expected evolution of devices and standards;. the tec