Microprocessor-based smart card equipped with an embedded operating system that performs the necessary set of service operations and equipped with all safety devices. All information presented in the form layered structure (a directory – a group of files – the file), which is divided into blocks and separating access to information. For each level of information to establish different access modes: continuous access for read / write without the introduction of special codes, access to read / write access restrictions. This mode permits the free reading of the information, but the change is allowed entry only after the presentation of a special secret code. restricting the powers of the read / write. Access to editing is allowed only after the introduction of secret code (or multiple codes). read / write access is not available. This mode prevents access to information, and establish for records that contain cryptographic keys. In maps of this type of integrated traditional cryptographic algorithm des, which provides encryption of information and request 'digital' signatures. In addition, maps can perform different spectrum of service functions. For banking operations, for example, there are special means of electronic payments with the possibility of blocking the work with a card in the event threats to information security. There are two types of locking: the introduction of the wrong vehicle code and unauthorized access. In the first case, blocking is needed to protect against illegal use of cards that had been stolen during transport from the card manufacturer to the consumer.