| 摘要 |
A heterogeneous stored-value system which offers interop-erability among a number of proprietary payment card brands with differing fee structures. Electronic cash originally obtained through a specific payment card brand is reconsolidated at settlement, as-suring proper accounting for these fees. The system can handle isolated flow, where electronic cash flows from a loading device (2) to a payment card (8) and thence from a payment card (8) to a point of sale (6) to settlement (7), where electronic cash can flow into a payment card only from the loading device. The system can also handle circulation of the electronic cash, whereby reloading is accomplished by returning electronic cash to a payment card (8) as change from a charge transaction at a point of sale (6). In addition, payment cards with more than one charge function can be handled, whereby the customer can specify which of several charge func-tions will be used to acquire the electronic cash.
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