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智能卡具有无可比拟的优点，将取代磁卡和条码卡而广泛应用于金融业、交通业、邮电通信业及医疗、保险业等，智能卡分为存贮卡、加密存贮卡和ＣＰＵ卡。在终端式智能卡读写器的研制中，硬件和ＡＴ８９Ｃ５１单片机软件采用了模块化的设计方法，而ＰＣ机接口函数则利用面向对象的Ｃ＋＋言编写。通过读写器的工作原理、硬件组成及软件流程，进一步介绍了智能卡的应用系统组成和应用前景。
Smart card has unparalleled advantages, will replace the magnetic card and bar code cards and widely used in finance, transportation, telecommunications and medical, insurance, etc., smart cards into storage cards, encrypted storage cards and CPU cards. In the development of terminal-type smart card reader, the hardware and AT89C51 microcontroller software adopt the modular design method, while the PC interface function uses the object-oriented C ++ language to write. Through the working principle of the reader, the hardware composition and the software flow, the application system composition and the application foreground of the smart card are further introduced.