Combi-card is a single chip card with several modules (contact IC module and contact-less IC module), moreover if the space is permitted you can embedded any above two modules, even including the magnetic strip card. Because every technics of combi-card is relatively independent and developed, moreover it has no risk to promote. This technology is very simple, mature and feasible, and the CPU card and the radio-wave frequency card are physically separated, so in the society insurance area and the bus system has many successful application instances.