According to the rapid development of information and communication, various services are offered using information and communication infrastructure for example e-commerce, internet banking, stock dealings, etc. This time, the most important problem is personal identification. But now secret number that is used to personal identification mostly can be misappropriated. To solve this problem, this paper proposes smart card identification system using 1 vs. 1 fingerprint matching. Information protection and security of smart card excel and use is convenient. And fingerprint becomes the focus of public attention in biometric field. Implemented system in this paper is based on PC. This system stores minutia that is fingerprint information into smart card and compare it with personal minutia. Therefore this system is sure to be on personal identification. If this system is applied to various services, safety degree of services will be enhanced.