Hence, considerable savings in time and access to communication equipment. The main and most important advantage of smart cards lies in the fact that the scope of activities in which they can be used, is very diverse: healthcare, transportation, banking, outreach, etc. The banking system work, based on smart card technology is far more profitable than losses from fraud and to authorize the expenditure of communication. And although the bank 'Capital' introduction of magnetic cards at a cost of $ 12 million, it is arguable that in Russia, the scope of smart card technology in banking business will grow. In recent years the tendency to reduce the cost of the card itself and the cost of projects for their implementation, so the popularity of smart technology will only grow. basic types of smart cards in Depending on the integrated circuits all smart cards are divided into several basic types, dramatically differing functions: memory cards, microprocessor cards, cards with cryptographic logic or combined maps. What type of card is best suited as a payment? It depends on the established and well-functioning equipment of the banking system, through which you intend to make payment. But in any case, smart card is an ideal means of payment, because it can directly interact with a personal 'electronic purse'. Purse reported sum of coca can use the client to pay service or purchase, even in the off-line. Monetary assets can easily be monitored and replenished as making cash on the account and bank lending. Protection system is also equipped with an electronic purse personal PIN-code, which must be entered for carrying out any operation on the map.