The biometric on-card-process solution used on the smart card has a potential for high security with greatly minimized fraud risks in financial sector. In this paper we discuss the palm vein biometric system and its compatibility in financial sector, software design for on-card-processing solution based on Java virtual machine. The solution is stimulated and the result obtained and that was tested on PC login application. The security level of this solution is highly reliable since the FRR and FAR is very low compared to other biometric systems.