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| A novel card read and write process for use in a single card read and write device constructed in a data processing terminal for enabling the card read and write device to access both types of IC card including a smart card and a memory card in a cost-efficient manner. An electronic passbook system including an electronic passbook card having two separate accounts namely a general account and an electronic wallet account, allowing the user to conduct cash deposit and cash withdrawal transactions flexibly, safely and efficiently in both an "on-line" mode and an "off-line" mode. An IC card for credit transactions and a credit transactions apparatus and method using the IC card are provided.object present device reading writing data wallet sized cards memory IC write simply performing operations types smart novel technique conjunction transaction terminal single objects contemplates insertion slot adapted receive whether inserted order answer-to-reset (ATR) signal stored initialization alternatively absent |
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