Electronic Porte-monnaie

The electronic porte-monnaie (or SME ) is an hybrid between the Espèces and the bank deposit and is physically appeared as a Smart card of payment préchargée.

Its characteristics are the speed (flow or credit in a few seconds) and the Anonymat as for the material Monnaie. In rule general, recharging is carried out:

on special terminals (in the banks,…)
on the TPE (payment terminal electronic) of the tradesmen.

The payment is carried out on the TPE of the tradesmen or in the automats and distributers.

One also distinguishes:

SME with chart “without contact”, integrated for example into a cellphone
more traditional SME requiring the introduction of the chart into the reading device.

The amounts concerned with the transactions are about small the Monnaie (distributer, automat, coffee, bakery, newspaper, parking meter, etc).

Examples

in Belgium:

Proton, functionality integrated into all the charts of bank;

with the Canada:

Interac, functionality integrated into all the charts of bank and functioning in very the very large majority of the trade;

in France:

Moneo since 2000 (after abandonment of the systems Modeus and Mondex);

with Hong-Kong:

the Chart Octopus;

with the Japan:

the operator of Mobile telephony Japanese NTT DoCoMo and finance company JCB deploy in 2005 a Mobile phone equipped with the QuicPay system of payment which communicates by radio, without contact, with the terminal of the tradesman (pilot operation in 2005 with the taxis of Yokohama close to Tōkyō).

Electronic Porte-monnaie

Examples

See also

Other articles

External bonds