Ikhadi lebhanki lahlulwe laba yikhadi lomgca wemagnethi kunye nekhadi le-Smart IC elibandakanya ikhadi le-chip ye-IC kunye nekhadi le-rfid kwakhona sibiza ikhadi le-ic elingenalo contact.

Ikhadi lebhanki le-Smart IC libhekisa kwikhadi eline-ic chip njengendawo yokuthengiselana. Ikhadi le-chip ye-Smart IC alixhasi kuphela izicelo ezininzi zemali, ezifana ne-debit kunye nekhredithi, i-e-cash, i-e-wallet, intlawulo engaxhunyiwe kwi-intanethi, intlawulo ekhawulezayo, kodwa ingasetyenziswa kumashishini amaninzi afana nezezimali, ezothutho, unxibelelwano, urhwebo, imfundo, unyango, ukhuseleko loluntu kunye nokhenketho kunye nokuzonwabisa, ukuze uqonde ngokwenene imisebenzi emininzi yekhadi elinye kunye nokubonelela abathengi ngexabiso elingaphezulu.

I-smart IC chip card inomthamo omkhulu, umgaqo wayo wokusebenza ufana ne-microcomputer, kwaye unokuba nemisebenzi emininzi ngexesha elinye. Ikhadi le-chip ye-Smart IC lahlulwe layikhadi le-chip ye-rfid ecocekileyo, ikhadi le-ic chip loqhagamshelwano olusulungekileyo kunye nomgca wemagnethi+ yoqhagamshelwano lwe-ic chip ikhadi elihlanganisiweyo kunye nojongano olumbini (zombini zoqhagamshelwano kunye nokungaqhagamshelwanga) ikhadi elihlakaniphile.

Okwangoku, i-MIND ibonelela ngamakhadi ebhanki e-smart ic kunye neemveliso zebhanki kwiibhanki ezininzi zalapha kumazwe akuMzantsi-mpuma we-Asia, njengephepha lerisithi yerisithi ye-ATM eshushu, ikhadi lebhanki elinekhowudi ye-PIN, incwadi yokusebenzisa ikhadi lebhanki, iphepha lokugqitha, njl.

Ingqondo inikezela ngenombolo ye-deboss yomntu / ushicilelo lwe-capital, ubhalo lobuqu lwemagnethi kubandakanya idatha ye-encoding kumzila we-1/2/3, i-chip encryption eyenzelwe umntu, imbalelwano yedatha kunye nezinye iinkonzo.