Ideja predstavljena u ovom radu opisuje proces elektronskog plaćanja korišćenjem koncepta multicard pametne kartice koja koristi model autentifikacijom PIN-a koji je enkodiran iz biometrijskih podataka otiska prsta. Softver biometrijskog skenera integrisanog u PIN PAD uređaj proverava autentifikaciju vlasnika kartice, koristeći predstavljeni algoritam koji kodira biometrijski podatak otiska prsta u PIN broj. Kodirani PIN uspoređuje se sa PIN-om ugrađenim u čip multicard pametne kartice. Multicard pametna kartica ima integrisano funkcijsko dugme kojim upravlja korisnik. Ukoliko korisnik želi izvršiti elektronsko plaćanje potrebno je jednom ili nekoliko puta pritisnuti ovo dugme kako bi aktivirao virtuelnu karticu koja se koristi za elektronsko plaćanje.
Implementacija ove ideje omogućava korisniku upravljanje elektronskim plaćanjem korišćenjem samo jedne multicard pametne kartice bez potrebe za ručnim unosom PINa. Korišćenjem ovog modela elektronskog plaćanja korisnik će imati poboljšano korisničko iskustvo.
Ideja ovog rada je nastavak dosadašnjih autorovih istraživanja kako bi se dobio algoritam koji će maksimalno pojednostaviti proces elektronskog plaćanja. Cilj rada je predstaviti konceptuelni model elektronskog plaćanja koji zadovoljava “Strong Customer Authentication and Secure Communication” koju zahtevaju EU propis: “Directive on payment services (PSD2)”.
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