Answer:
The term used to describe the process of creating an unauthorized copy of a legitimate smart card in order to gain access to protected resources or systems is called "smart card cloning". It involves making a duplicate copy of a legitimate smart card without the knowledge or consent of the card owner or the issuing authority. Smart card cloning is a form of identity theft and is illegal in most jurisdictions. It is a serious security threat that can compromise the confidentiality, integrity, and availability of sensitive information and critical systems.
Short answer:
The term used for creating an unauthorized copy of a smart card is "smart card cloning".