Bitcoin is a virtual currency based on the P2P network. Because of decentralization, anonymity, stability and other advantages, Bitcoin develops rapidly. In order to cope with increasingly wide application fields of bitcoin, this research designs bitcoin’s payment based on the IC card, which improves its safety and convenience. According to Bitcoin’s unique utilization, we’ve designed and achieved the documental structure of Bitcoin IC card and mutual authentication between PSAM card and IC card. With the combination of IC card private key and user’s private key leading to account’s private key, it will be safer to private key. Besides using merge-avoidance algorithm when trading improves the security of the account.