OA17811A - Intelligent virtual integration support card with multiple electronic and magnetic cards. - Google Patents

Abstract

The present invention relates to an electronic and magnetic card characterized by a device comprising a card having two chips (1) integrated in a single physical medium and used for the digitization of N virtual memory cards, the first chip (A) is of conventional type and is used for the identification of the carrier (P) of the card and for the recognition of the card (3 ') and the second chip (B) is for the processing of instructions from the first chip (A) and for the choice of at least one of the N virtual memory cards.

Description

The present invention relates to a support for electronic and magnetic cards which can be used in digital payment systems.

PRIOR STATE OF ART

As shown in Figure 1 (1), (2),, (n) define the number of microcontroller or memory cards in the possession of (P). (P) defines as holder of n cards will have to choose the card (a) among n cards in his possession, he tries an action (i) on a card reader (i '), the request is sent to the Server External (SE) for information processing. In the event of a refusal, another choice of card (b) is necessary if (p) wants to satisfy his need. So on until you have the card n for an umpteenth choice of card (en) and the umpteenth attempt (n) on a device (Ν ') for a response from (ES).

The invention of the smart card has today allowed a presence on the market of multitudes of cards for banking uses and services. All these cards each provide their own solutions to our daily needs. In general, the problems mentioned below arise:

a) The storage space for the cards at our disposal see (β) of figure 1

b) The time to complete to satisfy our need see (a) of figure 1

c) The inconvenience caused by the dissatisfaction of the immediate need

d) The cost of acquiring and operating the N cards

e) Security limited to that of the issuer

The invention is characterized by FIG. 2 as follows.

A number of n cards is scanned on the support (1). According to the claim, the card holder (p) takes one and only one action (i) to satisfy his need (even if several attempts were executed at the level of the 1 ^st Operating Device). The solution is to offer (P) the following solutions provided by the invention:

a) Space saving (1 card for = n virtual cards)

b) Time saving (zero repetition of actions by (p))

c) Universality of solutions

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d) Satisfaction of the need from (p) to 99%

e) Security supplement for sensitive card data

f) Low operating cost (operating device equipped with global compensation systems according to claim).

The present invention will now be described in accordance with the characteristics of use with reference to the accompanying figures 1 to 27.

The object of the present invention is the integration and processing of n virtual chip cards in a card holder with n chips (N> = 2) with a community identification code. In this case N = <A <2, the main chip (chip A figure 3) makes it possible to process the information of classic routines (authentication of the card, identification of the card holder) of electronic cards, the second (chip B figure 3) allows you to manage community reference applications (virtual cards and community services linked to these cards).

The invention according to FIG. 3 technically the device is composed of 2 chips. A chip (A) and a chip B. Chip A uses the conventional so-called prior information, chip B information concerning the virtualization and operation of the N virtual cards.

According to the invention, the activation of the card which occurs upon contact with the reader of the TPEC or (Electronic Payment Terminal Community option) to also adaptable to previous TPE (Electronic Payment Terminal) or an ATM / C (Automatic Vending Machine). ticket Community option), adaptable to the ATM (Automatic Ticket Dispenser) when (15) and (16) come into contact, by (23) of 24,25,26 for controlling the I / O, CLK components, RTS, VCC, GND and the (18) composed of 19,20,21,22 to process the information of conventional routines and transmit them to the external contact. The methods for the exploitation of data of the classic routine are transmitted by (16) according to FIG. 5 from the chip (A) to the (15) for validation of the classic routine. Accepting information from the classic routine involves continuing the process. The (15) allows by the (16) and the (27) to carry the instructions and information to the (28) according to the diagram (B) of FIG. 5. According to the invention and the claim characterized with regard to the chip (B) of figure 3 of the intelligent electronic payment card (1), after the classic routine of the chip (A) of figure 3 and the acceptance of the data of (3 ') of figure 3, coming from 'a scan reader; The chip (B) displays, if necessary, each of the virtual cards stored in its memory and analyzes the conditions of their use. It proposes, in case of request, the operating conditions of the other virtual cards which

-217811 are part of the system and can be found at the main server of the system. It offers the use of community services defined at the server level.

FIG. (3 ') showing instructions for recognizing the membership of the physical card to the community network.

With regard to its front, in addition to the magnetic strip, a toll-free number which allows (P) to access the universal assistance space in figure 28 provided for in the services available at level (3) in figure 11.

According to the invention and the claim characterized as regards the use of the smart card on the internet is described in FIG. 10 as follows: 100, 110 initialization and reading, 120 identification of the card C1 directly or indirectly (by Issuer: Visa, Master Card etc ...) in the internet commercial page, 150, 160, 240, 250, recognition routines of (P), 170,180, 260, 270, management routine for use of priority virtual cards (CP ) or secondary (S), 190, 200, 260, 270 management routines for virtual purchase cards, 210, 220, 260, 270, management routine for virtual borrowing cards, 230, 260, 270 management routine promotion cards.

According to the invention and the claim characterized with regard to the (8) and the (9) of (A) of figure 4 are integrated into the (14) representing the card as in the normal manufacture of a previous card . The (10), the (11) placed above the (8) and (9) of (B) are integrated according to figure 4 with modification of dimension (13) where we have X + Y with respect to 12 with X only as dimension. According to the invention the (14 ') of FIG. 4 represents the connection link between the pins of (A) and of (B). The PVC manufacturing (11) will separate the (8) from (10). The (10) invisible to the eye and readable by scan integrated into the TPE / C. it represents (10) a set of membership information from (1) according to FIG. 3, to the digital community management system.

According to the invention, the 2 ^nd microcontroller, (30) composed of 31, 32, 33, 34 according to Figure 5, will generate the following information according to claim and according to Figure 11.

*) Choice of the priority card and the first criteria which accompany it for a better use at the level of the overall system (the priority cards are the cards in possession of (P), which he defines as default card. They are N Cards> = l or <= 2) **) Choice of card among N secondary cards and the first criteria that accompany it for better use at the level of the overall system (the secondary cards are the N

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Cards in possession of (P), which he defines as the card of choice after the priority cards. They are limited to N cards = 10.

***) Choice of card among N service purchase cards and the first criteria that go with it for better use at the level of the overall system. These are non-priority, non-secondary (P) cards of which (P) will have to buy them in order to use them (the service is purchased to be used when needed, it can be renewed at any time following a new request for 'purchase of service according to the sales rules established between the system generator, banks and card issuers.

****) Choice of card among N loan cards and the first criteria that accompany it for better use at the level of the overall system. These are non-priority, non-secondary (P) cards of which (P) in order to use them will have to borrow them for an operation linked to a given period according to the rules defined between the system generator, the banks and the card issuer. .

*****) Choice of card among N loyalty cards.

And the first criteria that accompany them for better operation at the level of the overall system. These are non-bank cards used in commerce or activity promotions.

Concurrently with the interface (35) composed of 36, 37, 38 according to figure 5. This work done locally on (B) makes it possible to reduce the time of development of a procedure in the time management on the global system .

According to the invention at the level of (30) of FIG. 5, the following elaboration occurs: calling of the priority virtual card, a first choice card of the virtual cards integrated into the possession of (P) according to FIG. 2. This map should be thought to provide a priori a solution to the need for (P). It is put into operation automatically according to the invention. If it is accepted, the classic services linked to the card and the preliminaries of community services can be used at its level. According to the invention, the secondary data of the community services are processed at the level of a TPEC and the sensitive data of the card and of the community services remain in the management of the external servers (community server and card issuer server (Visa, Master card etc ... which according to cooperation and partnership agreements authorize its operation according to the rules necessary for the transaction security rules).

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According to the invention if the choice of the card to be executed is of the secondary level, i.e. less important operating cards or considered as second choice cards, the same process as for the first choice cards is applied only that these cards come into play by validating the keyboard key of the card reader device.

According to the invention, the choice of level 3 of the card occurs when the 1st choice and the 2nd choice do not provide a solution to (P). The (30) of FIG. 5 offers purchasing choices (the service is purchased to be used when needed, it can be renewed at any time following a new request to purchase the service. for an operation is linked to a given period. All the choices are subject to rules that (p) a priori is supposed to know before the signing of the operating contract or by an operator present, (p) makes his choice of purchase of service or borrowing of service Here the cost of the operation becomes higher than the other previous costs The data transmission procedures remain the same.

According to the invention, according to FIG. 5, the chip (B) is created for the processing of the basic information of the management of the virtual cards and to allow a rapid response of the overall system. It will have a more efficient processor and coprocessor and EEPROM and RAM memories more powerful than the chip (A).

According to the invention for all internet operations according to FIG. 10, the identification number of the universal card will be the information to be transmitted in order to activate the procedure for accepting a transaction. A protection procedure according to the claims is put in place to give more protection to sensitive data.

According to the invention, the community identification (3 ') is taken into account by the TPE / C or DAB / C card reader.

FIG. 7 shows the connections between the chip (A) and the chip (B), the 2 chips being defined according to the ISO 7816-3 standard.

(39) is the connection of the Cl gates of the 2 chips according to FIG. 7, they correspond to the positive supply voltage (VCC) of the chip (according to FIG. 6).

(40) is the connection of the C2 gates of the 2 chips according to FIG. 7, they correspond to the reset command (RST) of the chip (according to FIG. 6).

(41) is the connection of the gates C3 of the 2 chips according to figure 7, they correspond to the clock (CLK) (according to figure 6). They punctuate the data exchange between the card and its reader.

(42) and (46) are connections of the gates C4, C8 of the 2 chips according to FIG. 7 which are contacts (RFU) (according to FIG. 6), reserved for future uses.

-517811 (43) is the connection of the doors C5 of the 2 chips according to FIG. 7 which correspond to the electric mass of the card (GND) (according to FIG. 6).

(44) is the connection of the gates C6 of the 2 chips according to FIG. 7 which correspond to the programming voltage of the card (VPP) (according to FIG. 7). It will not be usable by the existence of the EEPROM of the 2 chips.

(45) is the bidirectional connection of the C7 gates of the 2 chips according to figure 7 which correspond to the signal of the inputs and outputs (I / O) of data coming from outside the card and between the 2 cards (according to figure 6).

The invention presents the standardized dimensions of bank cards according to the ISO 78161 standard specifying the physical characteristics of the card. The ISO 7816-2 standard defining the position and pinout of the card contacts. The ISO 7816-3 standard defining the electrical levels and the low level timing diagrams which govern dialogue with smart cards. And finally the ISO 7816-4 standard defining the various basic card commands.

The invention, in its manufacture according to FIG. 6, will integrate a chip (A) Titanium Smartcard os version 1.06 of Ram: 1024 Byte, programmable Eeprom: 32kb or other similar. The position of (A) will be in accordance with the ISO 7816-2 standards and that of (B) intended for the management of first level information of community services in width at the same level as (A). Chip (B) would be a FUN 6 chip with an Atmel 8515A microcontroller and 24C1024 memory or the like.

According to the invention, the (3 ') of FIG. 3 represents the reading code by laser scan integrated into the TPEC, it is placed on the PVC plastic covering the chip (B) according to (3) of FIG. 3. Thus , the chip (B) will have its connection only from (2) of figure 3 which will be the only one having the connection with the card reader. The (3 ') will house the recognition information of the physical community membership card.

The ISO 7816-1 dimensions from (1) to face (la) of figure 3 composed of (2), (3) and (3 ') are as follows:

The width (7) according to figure 3 will be 54 mm

The length (6) according to figure 3 will be 85.6 mm

The curves (8) according to figure 3 will be R = 3.18 mm

The thickness (5) according to figure 3 will be 0.76 mm

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According to the invention, the (2) according to FIG. 3 will comply with the ISO 7816-1 standard. The (3) according to figure 3 will be at a length of about 57 mm according to (6 ') of figure 3 and will be positioned at the same level of width at (2) according to figure 3 which will respect the ISO 7816-1 standard. .

According to the invention, according to Figure 4, the (8) and (9) of (A) are integrated into the (14) according to Figure 4, as in the normal manufacture of a card. According to the invention and its claims, the (10), the (11) placed above the (8) and (9) of (B) are integrated with the modification of dimensions at the level of (14). According to the invention and its claims the (14 ') represents the connection link between the pins of (A) and (B). The PVC manufacturing (11) will separate the (8) from (10). The (10) invisible to the eye and readable by scan integrated into the TPEC according to the unit of invention. It represents (10) a set of membership information from (1) according to FIG. 3, to the digital community management system.

According to the invention, the smart card has on its back according to LA FIG. 3 bis, a magnetic strip (la) which complies with the 7816-1 standards with a use subject to the ISO 7811 standard.

According to the invention, the space below (A) according to FIG. 3 is the embossing space where the membership number of the card, the identification of the holder (P), date will be highlighted. issuance of the card.

The present invention TPE / C (Community electronic payment terminal), is linked to that of the intelligent support of electronic cards, to the DAB / C (Automatic ticket dispenser with Community option) and to the dedicated virtual space for the management of services designed for the economic development of a community network. The invention is technologically characterized by a Dual Core, a double Ram memory for data storage, card reader device such as reader by contact of pins, reading by scanner system and by magnetic reading. The integration of these technologies in the previous system allows the exploitation of the intelligent support of electronic cards.

The payment terminal according to the invention has as its object:

the provision of a technological instrument suitable for the exploitation of the support of intelligent figure 3 for a fundamental support to the economic development of a community network.

- the provision of a technology allowing the use of the information of the invention 1 either, at level 1 (figure 11), and in parallel function at levels 3 (figure 11), and 4 (figure 11) integrated locally from the present invention.

-717811 the gain in operating time in the operation of DAB / C

It is characterized by a terminal with devices (5) of figure (8) TPEC these devices allowing the contact reading of the pins of the smart card and the card reading technology of the TPEC and reading by a built-in scanner system. at the far end of the TPEC card reader input is made to identify certain information printed on the physical card which is introduced to be in contact with the TPEC card reader technology.

According to the invention the contact reading of the pins of the intelligent support card is made for the execution of the previous routine and the execution of the community routines.

According to the invention, the reading by scanner of certain physical information printed on the card is a second routine implemented to give the system another dimension of system security. This information read by the scanner will allow, after acceptance of their authenticity, secondary routines.

According to the invention, the TPE / C figure 8 presents a microcontroller composed of an eprom, processor and memories adaptable to the requirements of proper functioning of the system.

According to the invention, the terminal is provided with a keyboard in FIG. 16 with the following new configuration: the green key becomes a key of combined Green / Violet (V / Vi) color. The green executes the previous operation only and the Violet allows the classic / community operation (choice of cards). The yellow key becomes a combined Yellow / Blue (J / B) color key. the yellow only performs the previous operation and the blue allows the classico / community operation (choice of services).

According to the invention, the keyboard is described by the simplified logic diagram of FIG. 16. The keys are represented by push-button plugs in the functional diagram. When a key is pressed, the input linked to this key is activated (takes the potential 5v or the numerical value 1). In our case we have the keys (J / Vi) and (V / B) of which J and V by pressing, the encoder returns the input number activated in binary value on 5 bits (o or 1) to the outputs. This data is returned by the converter to the function microcontroller. Pressing (Vi) and (B) twice returns another entry number for other functions other than those of (J) and (V).

According to the invention the device (1) of figure (8) the microcontroller is composed of device (2), device (3) and device (4). The device (3) being a Dual-core processor, the device (4) being a dual memory assembly.

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According to the invention the device (1) of FIG. (9) communicates with the (3) which is the M1 and the device (2) communicates with the (3 ') which is the M2. M1 and M2 being physically distinct.

According to the invention, the device (1) and M1 process the tasks which are the conventional routines of the State prior to the invention.

According to the invention, the device (2) and M2 deal with tasks which are the routines for managing community services.

According to the invention, the capacity (see (5) of figure (9)) of M2 is greater than that of M1, but in operation M2 could however if necessary benefit from part of the space of M1 if this this is obviously available.

The invention presents DAB / C (Community Option Banknote Vending Machine), designed with the option of rapid processing of routines linked to the operation of the intelligent electronic card support, and processes integrated into the dedicated virtual space. for the management of services developed for the economic development of a community network, as described in the claims. The invention characterized technologically by a 4-core processor, multiple Ram memories for data storage, card reader device such as: reading by contact of the pins, reading by scanner system and a keyboard with combined keys ( Yellow / Violet) and (Green / Blue). The integration of these technologies in the previous system allows the exploitation of the intelligent support of electronic cards and the exploitation of the digital space of community economy.

The invention relates to:

The provision of a technological instrument suitable for the exploitation of the intelligent support figure 3 for a fundamental support to the economic development of a community network.

The provision of a technology allowing the use of the information of the invention 1 is, at level 1 of the invention 1, and in parallel function at levels 3, and 4 integrated locally of the present method.

Savings in operating time in the operation of electronic payment terminals

The gain in operating costs in electronic payment systems.

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The method is characterized by a cash dispenser has in addition to performing the classic routine operations, a virtual management option of community economy.

According to the invention, the contact reading of the pins of the smart card is made for the execution of the conventional routine and the execution of the community routines.

According to the invention characterized by FIG. 13 which represents the new DAB / C system in a Kmelia architecture. The keyboard (figure 16) from which the request (1) originates, request for the virtual exploitation of community economy is defined by two colored keys (J / Vi) and (V / B).

According to the invention, according to (A) of (FIG. 16), (J) signifies yellow, (Vi) signifies violet. (J / Vi) means the key composed of half yellow and half purple color and it is defined respectively (J) in an action for the execution of the classic routine 1 previous routine), (Vi) in 2 actions for the 'execution of the new classical routine and community environment routine 1 (choice of cards).

According to the invention, according to (B) of FIG. 16, V means Green, B means Blue. V / B means the key composed of half green and half blue color and it is defined respectively V in 1 action for execution of classic routine 2 previous, B in two actions for execution of new classical routine and environment routine community 2 Choice of services).

According to the invention and according to figure 13 representing the functional diagram in Kmelia of our DAB / C system and the request (1) of the keyboard activated from (J / Vi) or from (V / B), introduced (P) on the community virtual space.

According to the invention and according to FIG. 13, the interface 1a allows (P) to have, in addition to the previous routines of the DABs, a choice view of the new routines provided by the DAB / C. Ie a vision on the choice of exploitation of the community economy, (the) allows a field of exploitation (request, withdraw, amount, code, request_ident, consultation, deposit).

According to the invention and according to FIG. 13, the basic system (laa) introduces the request of (P) into the management system of the community economy routines, (laa) allows an exploitation field (withdrawal, demand_mtant = demand amount, request code = dem_code, identification = ident, deposit = deposit of sum, transfer, consultation, request_auto = authorization request, debit / credit, Eject_card, Swallow_card, poster, dem_solde).

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According to the invention and according to FIG. 13, the community economy operating system (lab) allows the exploitation of virtual cards or the exploitation of services integrated into the community economy.

According to the invention the DAB / C to a device characterized also by the figure (1) called microcontroller is composed of device (2), device (3) and device (4). The device (3) being a dual-core processor, the device (4) being a dual memory assembly. According to the invention, the device (1) of FIG. (9) communicates with the (3) which is the M1 and, the device (2) communicates with the (3 ') which is the M2. M1 and M2 being physically distinct.

According to the invention, the device (1) and M1 process the tasks which are the conventional routines of the State prior to the invention.

According to the invention, the device (2) and M2 deal with tasks which are the routines for managing community services.

According to the invention, the capacity (see (5) of figure (9)) of M2 is greater than that of M1, but in operation M2 could however if necessary benefit from part of the space of M1 if this this is obviously available.

A digital space, defined by inventions 1, 2, 3, linked together to be usable with a specific goal of development and promotion of the community economy. The space being represented by a set of servers, including the pivot server (s) recognized as the operating masters of the system, the servers belonging to the bank, the main partner, the servers belonging to the secondary partner banks, the merchant customers, the servers of private and public partners etc ... end customers. A number of dedicated innovative services are implemented, digitized mainly for the benefit of the community. The characteristic of this innovation is the set of services containing operating systems which do not exist in the state of the prior art. These services are performed on space and applicable on the technologies and systems of inventions, 1, 2, 3.

The invention results from the bringing together of the individual technologies and systems of inventions 1, 2, 3 on a technology and system (one or a set of suitably constructed servers) capable, from a virtual space, of producing results favorable to development. of a community economy.

In short, the invention has a particularity of switching technology and systems for the benefit of a digital development of community economy.

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According to the invention defined by the technical assembly of the devices (1,11, llbis, 12, 13, 14, 14bis, 15) of figure 17 and the systems and procedures (16, 20) of figure 17 to allow the operation of a dedicated digital space linked to the development of a community economy. This space contains according to figure 17, the device (1) called the pivot server (main device for the operation of the space), provided with a device (2) made up of technology (3), technology ( 4) which is equipped with a multi-task Quad-core processor and a multi-memory technology (5) also with shared tasks. The hub server according to figure 18 integrates technology (2) and functions (6), (7), (8), (9), (10). Outside of (2), the space (20) according to figure 17, also takes into account the (llbis) represented by (P), and identifiable by a card called smart card, the possession of this card gives a (P), exclusive advantages compared to a (P) without a card which pays more to benefit from the use of space. (P) with his smart card is part of the community economy, he has access to TPE / C (11) and DAB / C (13) by inserting the card into the readers available on these devices. As regards the use of the card by (P) on the internet (12) and (14), it suffices to comply with the rules considered in the use provided for in the invention.

The environment of the community economy space takes into account the presence of a main bank (17), this bank also main actor, turns out to be a direct means of dissemination, savings and community investment where (P ) integrated. The environment takes into account the presence of secondary bank (s) (18), a bank (s) which complements the main bank according to community banking commitments. In addition to the banks of the economic partners (19) which also integrate space. It was invented for the need for the proper functioning of the digital community space, the compensatory system defined by figure 24 which headings (6) and (10) of figure 17. The (6) is characterized by virtual services such that: OkSi applies to those defined by figure 18 which represents the control system by code generation executed in a local environment with a pivot server: from the traditional code (1) figure 18 issued by the previous systems Visas, Master card etc. .. a periodic code ((2), (3), (4), (5) figure 18) is generated and transmitted (the code (5) figure 18) to the mobile whose identifier is already registered by default until at the end of period t. Therefore, each confirmation by retransmission of the code from the mobile for the validation of the request for (P) as provided by the system, should be done in time (t). The Digitton (Digitization of the tontine system *) defined in figures 19, 20, 21, 22. These are

-1217811 the digitization of tontine microfinance to make it international without any limit on the residential space of participants. It guarantees participants a plurality and universality of investment choices. The Get (Electronic Transfer Management) defined by Fig. 23 represents a transfer procedure based on the compensation system defined by Fig. 24 and applicable at certain transfer levels to zero the transfer charges. The E.Pub defined by figure 26 is a virtual advertisement that intensifies the compensatory system (figure 24). UnivCard defined by figure 25 which allows switching from one operator to another for telephone recharging and call management. The AU defined by figure 27 which digitizes the assistance service and universalizes it for the resolution of a need of 10 (P).

Claims (8)

1. Electronic and magnetic card characterized by a device comprising a card having two chips (1) integrated in a single physical medium and used for the digitization of N virtual memory cards, the first chip (A) is of conventional type and is used for the identification of the carrier (P) of the card and for the recognition of the card (3 d and the second chip (B) is for the processing of the instructions coming from the first chip (A) and for the choice of at least one of the N memory cards, virtual, where the second chip (B) is inserted into the card in a non-visible position, where the second chip (B) is electrically connected with the outside through the first chip (A) , where the integrated circuit (B) of the object of the second chip is coated with a special film which prevents contact with the outside where the card communicates with a central pivot server which is able to receive the data from the card in the reader device. 2. Card according to claim 1, wherein the card is activated by contact with a TPE / c device type community reading device / or DAB / c. 3. Card according to claim 1, wherein the card also has a code which can be activated on the reading device arranged at least partially from a mobile telephone, for example by means of a message. 4. Card according to claim 3, wherein the message is transmitted by the telephone by pressing the '#'. 5. Card according to claim 1, where N represent virtual payment cards of the memory card (VISA, MASTERCARD, etc.), loyalty cards, purchasing cards, loan cards. 6. Card according to claim 1, wherein the reading device by means of the appropriate keys allows the choice of the virtual memory card. 7. Electronic system for the management of payment cards according to claim 1, characterized in that it comprises a central pivoting server which is able to receive the data from the card in a TPE / C or DAB / reader device. vs. 8. Electronic system for the management of services according to claim 1 and 2, characterized in that it activates (the operativity on TPE / C or DAB / C and other mobile device linked to the entire -1417811 system), digisystine (digitization of the tontine system), the compensatory system, the international telephone card, the Epub service and the universal assistance service. -1517811 " CARD INTELLIGENT VIRTUAL INTEGRATION MULTI ELECTRONIC AND MAGNETIC CARDS Abstract The present invention relates to an electronic and magnetic card characterized by a 5 device comprising a card having two chips (1) integrated in a single physical medium and used for the digitization of N virtual memory cards, the first chip (A) is of conventional type and is used for the identification of the carrier ( P) of the card and for the recognition of the card (3 ') and the second chip (B) is for the processing of the instructions coming from the first chip (A) and for the choice of at least one of the N cards of memories, 10 virtual.