The present invention relates to a smart card including a sensor for sensing a finger touch and a controller for causing a first setting change by setting the smart card from a default payment method to a selected payment method, when a fingerprint of the user is recognized based on the finger touch sensed by the sensor; causing a second setting change by setting the smart card from the selected payment method to the default payment method when the fingerprint of the user and a fingerprint of a first person other than the user are simultaneously recognized and a first preset time elapses after completion of payment, and causing a third setting change by setting the smart card from the default payment method to the selected payment method when the fingerprint of the user and the fingerprint of the first person are simultaneously recognized again within a second preset time.