Smart cards are transforming business around the world from reducing fraud and opening up on-line transactions in banking, personalizing services for mobile phone users, to securing access to PCs and corporate networks, and speeding transportation by using electronic ticketing. The most common uses of smart cards today are: banking and retail, mo-bile communications, information technology, identity and health, park-ing, public telephony, mass transit and campus ID solutions; and areas of use increase every day. One of the most fast developing areas of smart cards use is Banking and Retail. For business of financial transactions is very competitive and fast-changing, banks are always see