Mobile terminals may be authenticated separately from a smart card used by the mobile terminal. In one implementation, a mobile terminal may query a remote server, based on a value identifying the mobile terminal, for security information relating to the mobile terminal, where a copy of the security information is stored in the mobile terminal as part of the manufacture of the mobile terminal. A smart card may receive the security information in response to the query. The security information may be received in an encrypted format that is not accessible by the mobile terminal. The smart card may communicate with the mobile terminal to authenticate the mobile terminal based on the security information received in response to the query and the copy of the security information that is stored in the mobile terminal.