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E-Payment Systems Using Multi-card Smartcard

Part of the Springer Proceedings in Business and Economics book series (SPBE)


In case cardholders have more than one smart card for electronic payments, there is a problem of correlating smart cards and PINs. When a cardholder has more than two smart cards, it introduces additional confusion due to the storage of multiple smart cards and due to the need for memorizing PINs. The idea presented in this paper describes the process of electronical payment using the concept of multi-card smart card by authentication of PIN coded from biometric fingerprint. The software of biometric scanner integrated into the PIN PAD device checks a cardholder authentication, by using presented algorithm that codes the biometric fingerprint into the PIN. Thus, that encoded PIN is compared with the PIN embedded as an encrypted form in the chip of multi-card smart card or with the control value used in authorization center. Multi-card smart card has the integrated functional button that is controlled by user. If a user wants to make the electronic payment he/she needs to press this button once or a few times. This will activate the virtual card used for electronic payment. The implementation of this idea allows the user to manage the electronic payment by using only one multi-card smart card without entering the PIN. By using this model of electronic payment, a user gets the improved user experience. The idea of this paper is the continuation of previous author’s investigations in order to get the algorithm that will simplify the process of electronic payment as much as possible. The aim of this paper is to introduce the conceptual model of a simplified electronic payment system that meets Strong Customer Authentification, which is required by PSD2 regulations.


  • Biometry
  • Fingerprint
  • PIN
  • Multi-card
  • Smart card

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Correspondence to Nenad Badovinac .

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Badovinac, N., Simic, D. (2020). E-Payment Systems Using Multi-card Smartcard. In: Mladenović, N., Sifaleras, A., Kuzmanović, M. (eds) Advances in Operational Research in the Balkans. Springer Proceedings in Business and Economics. Springer, Cham.

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