Nowadays, more and more people rely on the Web for many day-to-day transactions that once required their physical presence. These include e-government, e-banking and online shopping. However, as technology becomes more sophisticated, fraud also becomes more prevalent. These occurrences generate financial losses to organizations and bring distress to cardholders.The APG8201-B2 is a smart card reader with a keypad and an LCD screen which has Secure PIN Entry (SPE) feature to protect every PIN code from attacks, such as viruses or USB sniffers. It can perform secure cardholder