| 摘要 |
<p>A method of effecting payment with a cash card that includes an electronic purse, such as a smart card that includes a chip and with which money can be deposited in said chip, wherein when used for payment the card is read in a pay terminal, such as a cashpoint teller or automatic teller, wherein the payment sum is subtracted from the amount stored in the chip, and wherein the card includes data relating to a cash card number to which the card is tied, characterised in that when the card (1) is read in the cash card reader (4) of a pay terminal (3) said cash card number is read and registered to enable a cash card transaction to be carried out, and the amount available on the chip (2) is also read and registered; and in that the pay terminal (3) subtracts the amount concerned from the chip (2) only when the chip contains an amount sufficient to cover the whole of the sum concerned and remains in the cash card reader (4) for a period of time sufficient for said transaction to be carried out, in which case the pay terminal (3) is caused to erase the read cash card number; and in that the pay terminal (3) is caused to carry out a conventional cash card transaction when the chip (2) does not contain sufficient funds to cover the whole of the amount concerned or is not left in the cash card reader for said sufficient length of time.</p> |
