A multi-functional portable data device (preferably a combined smart card and magnetic-stripe card) is used for exchanging money with a financial institution in a cashless (i.e., credit or debit) transaction, and to credit or debit an electronic purse ("e-purse") resident on the portable data device....http://www.google.de/patents/US6601771?utm_source=gb-gplus-sharePatent US6601771 - Combined smartcard and magnetic-stripe card and reader and associated method
