With the increasing needs for multi-application integrated on one smart card
we present a new structure of smart cards in order to overcome the security limitations in current smart cards and their chip operating systems.By using the smart cards with this new secure structure
we can easily integrate multi-application on one smart card and allow users to download their customized programs.In this paper
we discuss from hardware and software aspects the structure of the new smart card and the measures to protect and isolate one application from the others.We also present the application instances of the new secure smart card.