The bio card developed by Crucial Track contains user biometric information measured by artificial intelligence (AI) algorithms. If a user authenticates the bio card through an RFID reader in the biometric authentication terminal, the biometric information contained in the bio card is sent to the terminal and the biometric authentication through the second terminal is made. The principle is that it is operated by a dual security (2FA) method, in which access or payment procedures are completed according to the biometric information and actual biometric information matching results in the bio card. Even if the card is stolen or lost, it cannot be properly certified because it is not matched with biometric information unless it is a real user. It is also a 100% non-contact authentication method, which can replace the contact-type method.