CN104809613A - One-card multi-account financial IC (integrated circuit) card - Google Patents
One-card multi-account financial IC (integrated circuit) card Download PDFInfo
- Publication number
- CN104809613A CN104809613A CN201510253949.7A CN201510253949A CN104809613A CN 104809613 A CN104809613 A CN 104809613A CN 201510253949 A CN201510253949 A CN 201510253949A CN 104809613 A CN104809613 A CN 104809613A
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- CN
- China
- Prior art keywords
- card
- financial
- account
- accounts
- holding
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
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Classifications
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3576—Multiple memory zones on card
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Economics (AREA)
- Credit Cards Or The Like (AREA)
Abstract
The invention discloses a one-card multi-account financial IC (integrated circuit) card, and belongs to the field of chip cards. The one-card multi-account financial IC card is designed to solve the inconvenience of a card holder due to the fact that multiple accounts require multiple cards, reduce the card issuing cost of a card issuer and save the social resources. The card holder can check various kinds of account information in the financial IC card by accessing the internet, a mobile phone and the like, and also can set an account information reminding function and reminding information can be sent for account information variation.
Description
1. technical field
The present invention is a kind of card many accounts financial IC card, belongs to chip card field.
2. background technology
In daily life, consumer has the account of a lot of bank or other mechanism, department, thus correspond to a lot of cards, several at least, tens at most, and so many cards carry and manage inconvenient problem to also existing the side of holding; Concerning card issuer, add financial cost, also create the significant wastage of resource.This card many accounts financial IC card solves this problem, by IC chip, can write the accounts information of different card issuer, achieve the object of a financial IC card being managed multiple different account concentratedly.
3. summary of the invention
The invention provides card many accounts financial IC card, solve inconvenience that multiple cards of many accounts bring to the side of holding, reduce card issuer's hair fastener cost, saving social resources.
4. accompanying drawing explanation
Fig. 1 is accounts information distribution plan on an IC chip of card many accounts financial IC card.By carrying out subregion to IC chip internal, make each card issuer can have an independently accounts information storage space.As Bank of China can by the selling information of oneself write account 1; industrial and commercial bank is by the selling information of oneself write account 2; Construction Bank can by the selling information of oneself write account 3; social security mechanism can by the selling information of oneself write account 4; mass transit card card issuer can by the selling information of oneself write account 5, the member card write account 6 in cake shop etc.
5. embodiment
By carrying out subregion to IC chip internal, make each card issuer can have an independently accounts information storage space.As Bank of China can by the selling information of oneself write account 1; industrial and commercial bank is by the selling information of oneself write account 2; Construction Bank can by the selling information of oneself write account 3; social security mechanism can by the selling information of oneself write account 4; mass transit card card issuer can by the selling information of oneself write account 5, the member card write account 6 in cake shop etc.After each successfully write accounts information, accounts information need print or be pasted on card ad-hoc location for the side's of holding identification by card issuer.Simultaneously for guaranteeing account safety, prevent unauthorized from using, when IC chip design, can classify to account as required, as the account such as bank, social security is set to category-A, level of security is highest, mass transit card, subway card etc. are category-B, level of security middle rank, general shop, it is C class that business surpasses member card, and level of security is general.The card issuer of same safe rank, can access other card of same class, authorizing and being undertaken by forms such as electronic handwritten plate, fingerprint, short message, identifying code, electronic display, electronic signature, voice, password, videos when obtaining the authorization.If Bank of China is except addressable holder is except the account of one's own profession, the account of other bank of the side of holding also can be accessed when the side of holding is authorized, but, card issuer's account content of other card issuer's disable access height level of security of low level security.The side of holding understands a card many accounts financial IC card situation at any time for convenience, and holding can by access internet specific website, the modes such as mobile phone A PP, NFC, specific service number, after the checking side of holding identity, check all kinds of accounts informations on financial IC card, as account quantity, title, opens the time etc., also can arrange accounts information prompting function, accounts information is changed, as newly-increased, delete, expired, remaining sum, amount change etc. sends prompting message in real time.
Claims (8)
1. card many accounts financial IC card, is characterized in that a side of holding need hold a financial IC card, just can the account that provides of integrated many card issuers.
2. card many accounts financial IC card, is characterized in that by carrying out subregion to IC chip internal, making each card issuer can have an independently accounts information storage space.
3. card many accounts financial IC card, is characterized in that, after each successfully write accounts information, accounts information need print or be pasted on card ad-hoc location for the side's of holding identification by card issuer.
4. card many accounts financial IC card, it is characterized in that, for guaranteeing account safety, preventing unauthorized from using, when IC chip design, can classify to account as required, as the account such as bank, social security is set to category-A, level of security is highest, and mass transit card, subway card etc. are category-B, level of security middle rank, general shop, it is C class that business surpasses member card, and level of security is general.
5. card many accounts financial IC card, it is characterized in that the card issuer of same safe rank, other card of same class can be accessed when obtaining the authorization, authorize and undertaken by forms such as electronic handwritten plate, fingerprint, short message, identifying code, electronic display, electronic signature, voice, password, videos, if Bank of China is except addressable holder is except the account of one's own profession, the account of other bank of the side of holding also can be accessed when the side of holding is authorized.
6. card many accounts financial IC card, is characterized in that forbidding that other card issuer of low level security accesses the account content of high level of security.
7. card many accounts financial IC card, is characterized in that the support side of holding is by internet specific website, the modes such as mobile phone A PP, NFC specific service number, after the checking side of holding identity, check all kinds of accounts informations on financial IC card, as account quantity, title, opens the time etc.
8. card many accounts financial IC card, it is characterized in that the support side of holding arranges accounts information and reminds, for accounts information variation, as newly-increased, delete, expired, remaining sum, amount change etc. sends prompting message in real time.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510253949.7A CN104809613A (en) | 2015-05-19 | 2015-05-19 | One-card multi-account financial IC (integrated circuit) card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510253949.7A CN104809613A (en) | 2015-05-19 | 2015-05-19 | One-card multi-account financial IC (integrated circuit) card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104809613A true CN104809613A (en) | 2015-07-29 |
Family
ID=53694420
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510253949.7A Pending CN104809613A (en) | 2015-05-19 | 2015-05-19 | One-card multi-account financial IC (integrated circuit) card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104809613A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108335191A (en) * | 2017-12-29 | 2018-07-27 | 深圳壹账通智能科技有限公司 | Account-opening method, financial services system end and the computer storage media of finance account |
| CN109583774A (en) * | 2018-12-05 | 2019-04-05 | 合肥卓瑞信息技术有限公司 | A kind of IT operation management equipment management information system |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102005087A (en) * | 2009-08-28 | 2011-04-06 | 中国银联股份有限公司 | Multi-bank-card-in-one device and method for payment by using same |
| CN102890794A (en) * | 2011-07-21 | 2013-01-23 | 梁露露 | Method and system for realizing integration of multiple cards for mobile terminal |
| CN102932333A (en) * | 2012-10-07 | 2013-02-13 | 潘铁军 | Safety equipment with mobile payment function, system and method |
| US20140258102A1 (en) * | 2001-07-24 | 2014-09-11 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
| CN104182874A (en) * | 2014-08-12 | 2014-12-03 | 北京橙鑫数据科技有限公司 | All-purpose card device, all-purpose card system and card information loading method |
-
2015
- 2015-05-19 CN CN201510253949.7A patent/CN104809613A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140258102A1 (en) * | 2001-07-24 | 2014-09-11 | Jpmorgan Chase Bank, N.A. | Multiple account advanced payment card and method of routing card transactions |
| CN102005087A (en) * | 2009-08-28 | 2011-04-06 | 中国银联股份有限公司 | Multi-bank-card-in-one device and method for payment by using same |
| CN102890794A (en) * | 2011-07-21 | 2013-01-23 | 梁露露 | Method and system for realizing integration of multiple cards for mobile terminal |
| CN102932333A (en) * | 2012-10-07 | 2013-02-13 | 潘铁军 | Safety equipment with mobile payment function, system and method |
| CN104182874A (en) * | 2014-08-12 | 2014-12-03 | 北京橙鑫数据科技有限公司 | All-purpose card device, all-purpose card system and card information loading method |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108335191A (en) * | 2017-12-29 | 2018-07-27 | 深圳壹账通智能科技有限公司 | Account-opening method, financial services system end and the computer storage media of finance account |
| CN109583774A (en) * | 2018-12-05 | 2019-04-05 | 合肥卓瑞信息技术有限公司 | A kind of IT operation management equipment management information system |
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| C06 | Publication | ||
| PB01 | Publication | ||
| EXSB | Decision made by sipo to initiate substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150729 |
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| WD01 | Invention patent application deemed withdrawn after publication |