TDN Smart Cards offer an easy way of handling TDNs and performing TDN transactions. At a minimum Smart Cards can be used to store TDN Signatures. Devices equipped with a smart card reader running a TDN Application or accessing an eCommerce website can read and write TDN Signatures from and to the Smart Cards.

Banks can offer their customers TDN based debit or credit cards. This is the easiest way to make payments or transfer TDNs. The user of such debit card does not have to be aware of the inner working of TDNs. When using such card the TDN Signatures are not stored on the card. The card has to be protected by a PIN and during a purchase or transfer the user must supply it for validation. This is the same as any PIN assigned to a regular debit card, it is not the PIN used to secure TDNs.

If the smart card stores a TDN Signatures it may be possible to use it as a 'Gift Card'. The holder of this kind of card can load by withdrawing TDNs from his/her bank account. Here is a diagram showing how a card works:

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