Cash transfers are trickier and less safe with the rise in our transac- tions because we have to carry vast quantities of cash and currency. As a result, banks give us today the ability to create an account linked to our debit/credit accounts and give us a variety of nancing options, for instance, bank cards, banknotes, and money exchanges, to oper- ate comfortably with our funds, and ensure that we are smooth and e ective at the disposal of money only. Without a question, the method of bank payment will be used any- where and wherever, and in the event of abuse or theft, we simply need to contact the bank and interrupt the process of payment. Studies demonstrate that a credit card is known to be the simplest and most secure mode of payment, as it's easy to get from banks, is limited in size, and provides assistance and insurance. However, when we were using cards, there was still a signicant risk of theft. Because as science progresses from a positive point of view, it often followed with a negative perspective. Initially, the cards used the signatures to validate the transaction at the point of sale (POS). However, the signatures are easy to lose, so the possibility of fraud is present. This issue has been solved in recent years with the existence of an EMV smart card that comes with an embedded ICC, this card enables the verify the customer/cardholder. The card makes transactions in shops where the customer and the retailer are in the same location, and the payment system of the mer- chant is represented by a POS terminal. The payment in a market can be made in two individual instances: contact and contactless. It also facilitates the manual insertion of the bank information stored on the card on the merchant's website to make online purchases. In case the client and the supplier are not in a common location the online payment is made remotely. In this thesis, we will talk about EMV security protocol and its au- thentication techniques. We will go through its security aws, and we will study, in detail, one of its major attacks called \Card Cracking Attack". Finally, we will propose our technical solution to solve that threat. As future work, we plan to design one model containing the EMV contact and contactless models to study the cross-protocol executions. We also plan to further rene and extend our solution. Keywords: EMV smart card, Point of Sale, Integrated Circuit Chip, Authentication techniques, Primary Account Number, Personal Iden- tication Number, Card Verication Value, Card Cracking Attack.