SECURE SMART CARD SYSTEM FOR USE AS ELECTRONIC WALLET

摘要

The invention concerns a system comprising a dual-chip card (1) including a permanent chip (2) consisting of a microprocessor and a secure programmable memory and a second removable chip (3) including essentially a once-only read memory containing a predetermined credit amount available to the user, and a micro-housing (6) for inserting the card and comprising communication means (11) for communicating with an external terminal (12', 12', 12''', 12'''') designed to record a transaction and interconnecting means for mutually connecting the two chips to decrement the programmable memory by the amount of the performed transaction. The unique read memory of the removable chip contains besides the predetermined credit amount, a unique serial number assigned by the central bank, the amount of credit and the unique number being recorded in the programmable memory by the interconnecting means when the card is first inserted in the micro-housing.