Secure smart card system for use as electronic wallet

摘要

Chip card system acting as an electric purse comprises a twin-chip card with one permanent chip comprising microprocessor, etc. and a secondary removable chip comprising a memory in which a predetermined credit amount is initially stored. The removable chip memory also contains a serial number that is analogous to the serial number of a banknote. The credit amount and unique serial number are assigned by a central bank and written to secure programmable memory when the chip is first inserted in its micro-housing.