The invention discloses an intelligent card, which is provided with two security chips and has three working states under the control of a working state switching circuit, in the thermal storage state, the first security chip is powered off, the second security chip is powered on, and the second security chip has the function of a cold electronic wallet; in the cold and hot exchange state, the first security chip and the second security chip are electrified and are both in an offline state, and data interaction can be carried out between the first security chip and the second security chip; inthe thermal storage state, the power failure of second security chip is carried out, the first security chip has the functions of a conventional financial card and a thermoelectronic wallet. Therefore, the smart card has a cold function; the invention discloses a thermoelectronic wallet and a conventional financial card. According to the embodiment of the invention, the method greatly facilitatesthe expansion and extension of the traditional financial smart card application to the field of digital currency, enables the smart card to be in an offline state when the second security chip is electrified, guarantees the security of an account in the second security chip, and is high in security because the cold and hot storage states of the smart card are electrically and physically isolatedbased on a power supply circuit.