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Unambiguous identification is essential to any form of transaction in e-commerce. However, credit card transactions rely on the manual identification of parties to the transaction and are inherently insecure. The use of biometrics to improve security is problematic. Smart cards can be used as credit cards with the additional advantages of increased security. The trend is to have multiple heterogeneous applications (access and transit control, electronic purse etc) on Smart cards. However the total number of applications is limited due to both international standards for Smart cards and current fabrication techniques. It is possible to link the different applications on a Smart card however this can be without the explicit knowledge of the user. In order to address these concerns a single protocol smart card is proposed. This result is a Smart card that can support a wide range of applications without the current disadvantages. The protocol has been simulated and tested. The results to date strongly suggest the feasibility of the design. Further testing is needed but along with research into other related issues such as user acceptability, cost etc