The goal of the first part of the thesis is to describe the options of wide usage of chip cards in different segments of our life. Consequently it is necessary to mention hardware and software equipment of smart card, its communication with terminal and data security. In this thesis we focus on Java Card environment in which we will try to create two applications, one for electronic purse and the second for user identification. Basically, we need to mention multiapplicational rules of sharing data and objects. At the end of the thesis we are focusing on the possibility of mutual interference between the applications and on protection against attacks. Also future applications of this technology are described.