Patent ID: 8348155

Claim:
A system comprising a mobile terminal and a card adapted for contact- and contactless-services, wherein the mobile terminal is configured to communicate with the card and comprises: a wireless network interface configured to communicate with a telecommunication network; a user interface; a terminal database configured to store data received from the telecommunication network; a card interface configured to connect the mobile terminal with the card, wherein the card interface is wireless; and wherein the card comprises: a contact point of service configured to perform a transaction through a contact interface of the card; a card database configured to be controlled by the mobile terminal, to store data, and to be accessed via the point of service interface; and a wireless mobile terminal interface configured to connect the card to the mobile terminal via the card interface to perform a contactless transaction through the mobile terminal via data transfer between the card and mobile terminal; and a card function configured to control and transfer data between the mobile terminal and the card database via the card interface.