A receiver and method for performing an electronic money terminal function such that a user does not need to go personally to the user's bank to make a deposit or withdrawal to or from an electronic money smart card. The method includes the steps of initializing an electronic money smart card which is...http://www.google.ca/patents/US6279824?utm_source=gb-gplus-sharePatent US6279824 - Method and apparatus for performing an electronic money terminal function using a smart card