Method and assembly for the transfer of sums of money between transferable memories of an IC-card

The invention relates to a method and a system for transferring funds between at least two rewritable memories (20, 30) of a chip card (10) associated with different exchange operators with the aid of a terminal (40) containing a card reader, which is provided with a central device (60). , in particular a billing center, can be connected. The first memory (20) associated with a first stock exchange operator is loaded with a predetermined amount of money. The invention allows a cardholder to access the credit of a memory when the memory he needs no longer contains credit without having to reload the empty memory externally. The invention achieves this by inserting the chip card (10) into the card reader of the terminal (40) by transferring an amount of money that can be input from the first memory (20) to the second memory (30) assigned to a second exchange operator , Subsequently, a security module (50) assigned to the terminal (40) generates a cryptographically secured booking data record which is transmitted to the central facility (60) for further billing.