TWI832065B - Physical card that reduces transaction time and how to use it - Google Patents

Abstract

The present invention provides a physical card that can reduce transaction time and a method of using it. The main feature is that a physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag. The high-frequency electronic tag has a first stored value amount. The UHF electronic tag has a second stored value. After the physical card member orders a product, when the physical card holder goes to a product exchange office to exchange the product, the UHF electronic tag of the physical card is displayed at the entrance of the store. It is read by an advanced reader of the merchant, notifying the merchant that the ordered goods can be prepared and taken out. When the physical card holder arrives at the commodity exchange office, the high-frequency electronic tag of the physical card can be read by an advanced reader of the merchant. The reader can not only quickly confirm the authenticity of the physical card, but also complete payment and exchange for goods, thereby reducing transaction time. In addition, when the physical card is used, the entire process is in contactless transaction mode, which not only maintains a safe social distance to reduce the infection route of the virus, but also prevents the risk of the physical card being stolen or sold, thus improving the safety of use.

Description

Physical card that reduces transaction time and how to use it

The invention relates to a physical card and its use method. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, thereby reducing the transaction time of goods, improving the safety of using the physical card, and improving the safety of card buyers. Those who can judge the authenticity of the physical card by themselves.

Please refer to Figure 1, which is a schematic diagram of the structure of a conventional physical card. Conventional physical cards 10, such as player cards, star cards, game cards and/or religious cards, etc., are mainly provided with a main image data 13 on one surface 11 of the card body 100, and on the other surface of the card body 100. There is an image data (not shown). Taking a player card as an example, the main image data 13 may include a clear text, player portrait, player name, team affiliation, card year and/or card production company name, etc., while the secondary image data includes a player height, Weight, birthday, nationality, school graduated from, draft ranking, fielding position, game results and/or important deeds, etc. Physical cards 10 can be used as a tool for collection, exchange, trading, and investment. The value of a player card 10 can range from a few cents to millions of dollars. For example, in 2020, an American Major League Baseball card will cost close to Sold for US$4 million. Therefore, how to determine the authenticity of the physical card 10, reduce the risk of being stolen and sold, and improve the use function of the physical card 10 has become the focus of the present invention.

There are several professional certification and appraisal units that can assist in identifying the authenticity of physical cards10 and the preservation value of the cards, such as PSA, BGS, SCG, Beckett and other companies in the United States. When an unidentified physical card 10 (also known as a bare card) is sent to a professional certification and appraisal unit for appraisal, the certification and appraisal unit can professionally authenticate the authenticity of the physical card 10 and/or the player's signature, and An identification score can be obtained.

When the physical card 10 is auctioned or bought and sold, although the buyer can initially confirm the preservation value of the physical card 10 through the card appearance, main image data 13, clear numbers or identification data, the buyer can also check the identification data. The authentication serial number is connected to the database of a certification authentication unit through the network to further confirm the authenticity of the physical card 10 . However, the current physical card 10 still has the following shortcomings when used: (1). The bare card can only identify the card and the main image data 13 with the naked eye, and the buyer cannot judge the authenticity of the physical card by himself; (2). Card identification procedure Not only does it require an appraisal fee, but the round trip time for appraisal also takes weeks to months. It is impossible to determine the authenticity of the card immediately, and it is also prone to the risk of losing the card; (3). The physical card does not rule out being counterfeited or stolen; ( 4). The function of using the physical card is too single; and (5). The physical card must come into contact with the buyer during the use process, forming a transmission path for the virus and easily causing gaps in epidemic prevention.

The main purpose of the present invention is to provide a physical card and a method of using it, which can improve the shortcomings of the aforementioned physical card. There is also a high-frequency electronic tag and an ultra-high-frequency electronic tag inside the physical card, allowing card purchasers to hold the card by hand. The primary reader of the communication device can instantly read the basic information or payment in the physical card, and the UHF electronic tag is read through an advanced reader. By providing advanced information about physical cards, you can not only quickly and independently determine the authenticity of physical cards, reduce the risk of counterfeit cards or stolen cards circulating in the trading market, but also shorten product transaction time.

Another object of the present invention is to provide a method of using a physical card, in which a high-frequency electronic tag and an ultra-high-frequency electronic tag are provided in the physical card. The ultra-high-frequency electronic tag can identify the identity of the card holder from a long distance. data, while another high-frequency electronic tag can identify, pay fees and exchange for goods or services at close range, thereby increasing the use function of the physical card and shortening the transaction time of goods.

Another object of the present invention is to provide a method of using a physical card. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag. During use, the physical card does not leave the card holder. The contactless transaction mode not only maintains social safety distance during the epidemic prevention period, reduces the risk of card theft, and reduces the transmission channels for physical cards to be infected by viruses or bacteria, thus improving the safety of use.

Another object of the present invention is to provide a method of using a physical card. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag. The ultra-high-frequency electronic tag can be detected and detected at a relatively remote entrance position. Reading the advanced data of the physical card allows merchants to determine in advance whether there are people related to the epidemic who want to enter the mall, and can implement corresponding quarantine or other epidemic prevention measures in advance to maintain a safe shopping environment for members.

Another object of the present invention is to provide a method of using a physical card. Since the physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, members do not need to fill in additional physical information such as name, contact information, etc. when entering the mall. There is no need to log in to visit the merchant through a communication device. An epidemic prevention footprint data can be automatically generated from the physical card, thus reducing the time spent entering shopping malls.

In order to achieve the above object, the present invention provides a method of using a physical card that can reduce transaction time. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, including: completing an order for a product to obtain an order. number, and causes the holder of a physical card to become a member or a product redeemer; an advanced reader detects whether the UHF electronic tag including the order number has been read, and the advanced reader The device is set at an entrance position; if the UHF electronic tag is read, a merchant will know that the holder of the physical card has approached a product exchange office, and therefore can take out the ordered product; a preliminary The reader reads the high-frequency electronic tag including the order number, the primary reader is set at the commodity exchange office; and a commodity of the commodity is deducted from one of the first stored value amounts of the physical card The payment may be marked with a pickup message on the physical card; and the product will be delivered to the holder of the physical card.

In order to achieve the above object, the present invention provides a method of using a physical card that can reduce transaction time. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, including: completing an order for a product and obtaining an order number. , causing the holder of a physical card to become a member or a product redeemer. The holder of the physical card provides a pickup information to a merchant; the ordered product is brought to a location based on the pickup information. area; an advanced reader of the merchant detects whether the UHF electronic tag including the order number has been read; whether a preliminary reader of the merchant reads the high-frequency electronic tag; from the A product payment for the product is deducted from one of the first stored value amounts of the physical card or a pickup message is marked on the physical card; and the product is delivered to the holder of the physical card.

In order to achieve the above object, the present invention provides a method of using a physical card that can reduce transaction time. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, including: determining the system of an entrant who wants to enter a shopping mall. For a member or a consumer of the physical card, if the member is a member, he will walk through a member fast lane, and if he is a consumer, he will walk through a non-member lane; an advanced reader detects and reads the physical card The UHF electronic tag, and based on a card's advanced information or a card member list corresponding to the UHF electronic tag, to determine whether the member is an epidemic-related person, the advanced reader is set in An entrance of the shopping mall; if a person related to the epidemic is detected, a warning message is provided; the member marked as a person related to the epidemic is asked to move to a control area or leave the mall; if no person related to the epidemic is found, Then a preliminary reader will read the high-frequency electronic tag of the physical card, and based on the basic information of the card corresponding to the high-frequency electronic tag or the card member list, to find out the persons related to the epidemic, the preliminary reader will The reader is installed at an entrance of the shopping mall; and allows members who are not marked as epidemic-related persons and consumers who have passed an epidemic prevention regulation to enter the shopping mall.

In order to achieve the above object, the present invention provides a physical card that can reduce transaction time, which mainly includes a main image data on a surface of a card body, and a high-frequency electronic tag and an ultra-high-frequency electronic tag in the card body. , where the high-frequency electronic tag can be read by a primary reader, and thereby obtain a basic card information and pay for a product that has been ordered, and the ultra-high frequency electronic tag can be read by an advanced reader. The high-frequency electronic tag is read by an advanced reader and thereby obtains advanced card information. The high-frequency electronic tag is provided with a first stored value amount.

The usage method of the present invention includes: when the advanced reader reads the ultra-high frequency electronic tag of the physical card, it guides the holder of the physical card to enter a member express channel, and passes the member express channel. Passage to reach the product exchange office.

The usage method of the present invention includes: the high-frequency electronic tag of the physical card includes the first stored-value amount, and the ultra-high-frequency electronic tag of the physical card includes a second stored-value amount.

The usage method of the present invention includes: the high-frequency electronic tag of the physical card includes the first stored-value amount, and the ultra-high-frequency electronic tag of the physical card includes a second stored-value amount.

The usage method of the present invention, if the primary reader cannot read the high-frequency electronic tag, further includes the following steps: the holder of the physical card carries the physical card and moves to the merchant, or uses the physical card to enter the merchant. The first-level reader detects whether the product payment can be deducted from a second stored-value amount of the UHF electronic tag; deduct the money from the second stored-value amount and transfer to the second stored-value amount with a credit card The amount will be deducted again, the second stored value amount will be marked as the amount owed for the product, or the payment will be made in cash.

The usage method of the present invention, if the primary reader cannot deduct the product payment from the first stored value amount, further includes the following steps: using the primary reader to directly deduct the amount of the product from the UHF electronic The tag's first stored value amount is deducted, a credit card is transferred to the first stored value amount and then deducted, the first stored value amount is marked with the amount owed to the product, or the payment is made in cash.

The usage method of the present invention further includes: after detecting the epidemic-related person and providing the warning message, the entrance will be temporarily closed to confirm that the epidemic-related person has moved to The controlled area may leave the shopping mall; the non-member channel will control the entry of the consumer in accordance with the epidemic prevention regulations.

According to the usage method of the present invention, after the advanced reader has read the UHF electronic tag, an epidemic prevention footprint data will be generated and registered in the card's advanced data or the card's basic data.

In the physical card of the present invention, the advanced card information includes an order number or information about an epidemic-related person, and the basic card information includes a pickup message, the order number, or information about an epidemic-related person.

In the physical card of the present invention, the UHF electronic tag is provided with a second stored value amount, and the first stored value amount can be connected to the second stored value amount.

The physical card of the present invention further includes a financial reading piece, and the financial reading piece can transfer a deposit amount to the first stored value amount or the second stored value amount.

10:Physical card

100: card body

11:Surface

13: Main image information

30:Physical card

300: card body

31:Surface

33: Main image data

35: High frequency electronic tag

37: UHF electronic tag

39:Financial reading document

41:Communication device

43:Primary Reader

45: Third-party certification unit

46:Order number

47:Advanced Reader

48:Basic application system

485:Basic card information

4855: Basic internal code of the card

4859:First stored value amount

49:Advanced application system

495: Card advanced information

4955: Card advanced internal code

4959: Second stored value amount

499: Card member list

50: Identification card

57: Identification information

59:Protective shell

F:Buyer

S501~S827: steps

[Figure 1] is a schematic diagram of the structure of a conventional physical card.

[Figure 2] is a schematic structural diagram of a preferred embodiment of the physical card of the present invention.

[Figure 3] is a schematic diagram of the use of an embodiment of the physical card of the present invention.

[Figure 4] is a schematic structural diagram of another embodiment of the physical card of the present invention.

[Figure 5] is a schematic diagram of the use of an embodiment of the physical card of the present invention.

[Figure 6] is a schematic diagram of the use of an embodiment of the physical card of the present invention.

[Figure 7] is a schematic diagram of the use of an embodiment of the physical card of the present invention.

[Fig. 8] is a schematic diagram of the use of an embodiment of the physical card of the present invention.

First, please refer to FIG. 2, which is a schematic structural diagram of a preferred embodiment of the physical card of the present invention. The physical card 30 of the present invention is mainly provided with a main image data 33 on one surface 31 of the card body 300, such as the front of the card, and a secondary image data 33 is provided on the other surface of the card body 300, such as the back of the card. Image data (not shown). Taking the physical card 30 as a player card as an example, the main image data 33 may include but is not limited to a clear text, player portrait, player name, team affiliation, card year and/or card production company name, etc. The image data may be the player's height, weight, birthday, nationality, graduate school, draft ranking, fielding position, game results and/or important deeds, etc. The clear text can be numbers as shown in Figure 2.

The physical card 30 of the present invention is equipped with a high frequency electronic tag 35 (HF Electronic Tag) and an ultra high frequency electronic tag 37 (UHF Electronic Tag). Among them, the high-frequency electronic tag 35 can be a high-frequency radio frequency identification tag (HF Radio Frequency Identification Tag; HF RFID Tag) or a near field communication tag (Near Field Communication Tag; NFC Tag), which is internally stored or electrically connected to a The basic card information 485 can be read by a primary reader through the high-frequency electronic tag 35 . The card basic information 485 includes but is not limited to a card series name (Set Number), player name (Player Name), card issuing manufacturer name, card issuing date, card owner name and/or first name recorded with the physical card 30 Stored value amount and other information.

In addition, the ultra-high frequency electronic tag 37 can be an ultra-high frequency RFID tag (UHF-RFID Tag) or a microwave RFID tag (Microwave-RFID Tag), which internally stores or is electrically connected to a card advanced data 495, and the card enters The advanced data 495 is read by an advanced reader via the UHF electronic tag 37 . The card advanced information 495 includes, but is not limited to, a record of all previous transactions of the physical card 30, name of the current holder, nationality, transaction year, transaction fee, appraisal time, appraisal grade and/or second stored value amount. and other information.

In an embodiment of the present invention, the bandwidth of the high-frequency electronic tag is 13.56MHz, the bandwidth of the UHF RFID Tag is 400~1000MHz, and the bandwidth of the microwave RFID Tag is 2.4~6.0GHz. The physical card 30 may be a financial card, a stored value card, a credit card, a player card, a game card, a star card, a religious card, a Buddhist card, a gift card, a membership card and/or a VIP card. In one embodiment of the present invention, the physical card 30 can also be equipped with a financial reading element 39, such as a financial card chip or a financial card magnetic strip of a general credit card.

Please refer to FIG. 3 , which is a schematic diagram of an embodiment of the present invention. When a physical card 30 is to be traded, bought or replaced, in addition to initially checking whether the surface 31 or the main image data 33 of the physical card 30 is complete and correct, the first buyer F of the present invention can also use it by himself A primary reader (Reader) 43, such as an RFID primary reader or an NFC primary reader built in a communication device 41, to read the high-frequency electronic tag 35 of the physical card 30 and the corresponding card basic information 485, and the card basic information 485 is presented in the communication device 41. In this way, buyer F can self-authenticate and quickly determine the authenticity of the physical card 30, thereby reducing the risk of purchasing a counterfeit card.

In another embodiment of the present invention, in addition to being stored in a basic application system 48 (Application System), the basic card data 485 can also be stored in the high-frequency electronic tag 35 of the physical card 30 . The above-mentioned primary reader 43 can be an RFID primary reader built into the portable communication device 41. In addition to an RFID primary reader or an NFC primary reader, it can also be a fixed RFID primary reader or a fixed NFC primary reader. The primary reader 43 is connected to a basic application system 48 to process the read high-frequency electronic tag 35 data. The basic application system 48 stores a card basic information 485 corresponding to the high-frequency electronic tag 35 of the physical card 30 . The technology for the primary reader 43 to read and present the high-frequency electronic tag 35 and/or basic card information 485 has been used in various smart card (Smart Card) or transportation card (Easy Card) applications, and will not be discussed here. Repeat. The portable communication device 41 may be a smart phone (Smart Phone), personal digital assistant (PDA), ultra mobile computer (UMPC), or notebook computer (NoteBook).

In addition, in another embodiment of the present invention, in order to avoid purchasing the physical card 30 that is unknown or stolen, the buyer F or the seller can carry the physical card 30 to a third-party authentication unit 45, For example, a professional certification and appraisal unit, card transaction center, card issuance center or membership center uses an advanced reader 47 (Advanced Data Reader) of the third-party certification unit 45 to read the high-frequency electronic data in the physical card 30 Tag 35 and/or UHF electronic tag 37. The advanced reader 47 can be internally integrated or additionally connected to an advanced application system 49 (Advanced Application System) to process and store a card advanced data 495 corresponding to the UHF electronic tag 37 . Buyer F can further confirm whether the physical card 30 is a legal card or a stolen card based on the card advanced data 495, and can also confirm whether the seller is a legal holder, thereby improving the ability to judge the physical card 30. Authenticity and transaction security.

After the physical card 30 completes the transaction, the current transaction time, transaction fee and/or the name of the new holder and other information can be changed to a card membership list through the third-party authentication unit 45 499, and log in to the advanced application system 49 or card advanced information 495 as a reference for future physical card 30 transactions, thus reducing the risk of the physical card 30 being stolen or sold.

In an embodiment of the present invention, the card advanced data 495 and/or the card membership list 499 can also be updated and stored in the UHF electronic tag 37 . The high-frequency electronic tag 35 and the ultra-high-frequency electronic tag 37 are corresponding data.

In one embodiment of the present invention, the card basic data 485 includes a card basic internal code 4855, and the card advanced data 495 includes a card advanced internal code 4955, the card basic internal code 4855 and the card advanced internal code 4955. for the corresponding relationship. The third-party authentication unit 45 can read the card's advanced internal code 4955 through the advanced reader 47, and read the card's basic internal code 4855 through the primary reader 43, so that the card's basic internal code 4855 and the card can be compared. Is the corresponding relationship of advanced internal code 4955 correct? If the corresponding relationship is correct, it means that the physical card 30 is a real card. On the contrary, if there is no corresponding relationship between the two, it means that the high-frequency electronic tag 35 or the ultra-high-frequency electronic tag 37 of the physical card 30 has been forged, and it is a counterfeit card. This can improve the authenticity judgment of the physical card 30 . In addition to the advanced reader 47 , the third-party authentication unit 45 may also be equipped with a preliminary reader 43 .

The physical card 30 can be reloaded by transfer of the credit card system or cash reloaded by the physical machine, and the stored value amount that can be used for consumption is stored in the card basic information 485 and/or the card advanced information 495, for example, stored value in a high-frequency The first stored value amount in the electronic tag 35 is 4859. In this way, the holder of the physical card 30 can use the physical card 30 to purchase goods and pay fees.

Please refer to Figure 4, which is a schematic structural diagram of another embodiment of the present invention. The present invention can be applied to an authentication card 50. The authentication card 50 includes a physical card 30 and an authentication data 57, and a protective shell 59 is used to cover the physical card 30 and the authentication data 57. The physical card 30 includes a high-frequency electronic The tag 35 and an ultra high frequency electronic tag 37, the high frequency electronic tag 35 can be read by a primary reader 43, and the ultra high frequency electronic tag 37 can be read by an advanced reader 47. This can reduce the time required to identify the authenticity of physical cards, reduce the risk of physical cards being lost or stolen during delivery, and reduce the probability of purchasing counterfeit cards.

In another embodiment of the present invention, the UHF electronic tag 37 is also provided with a stored value amount, such as the second stored value amount 4959. In this way, the holder of the physical card 30 can use the first stored value amount 4859 of the high frequency electronic tag 35 or the second stored value amount 4959 of the ultra high frequency electronic tag 37 to purchase goods and pay fees. The first stored-value amount 4859 can be connected to the second stored-value amount 4959. When the first stored-value amount 4859 returns to zero or a negative value, and the first stored-value amount 4859 is required to pay the fee, you can use the basic application system 48 or enter The first-level application system 49 is used to transfer part or all of the second stored-value amount 4959 to the first stored-value amount 4859. On the contrary, part or all of the first stored value amount 4859 can also be transferred to the second stored value amount 4959. The basic application system 48 and the advanced application system 49 can also be integrated into the same data application system.

The physical card 30 of the present invention can directly swipe the card for shopping or pre-ordering goods. When the pre-ordering of goods is completed, the merchant will provide an order number 46 corresponding to the physical card 30. The order number 46 can be noted on the card base of the physical card 30. Data 485 and/or card advanced data 495.

Please refer to FIG. 5 , which is a schematic diagram of an embodiment of the present invention. The physical card 30 of the present invention can be applied in a transaction behavior of exchanging goods. Take a restaurant’s food pickup system or drive-through system as an example. The steps to use it are as follows:

Step S501, the owner of a physical card 30 first completes a pre-purchase action, such as completing a product reservation and/or paying a fee, in order to become a member or a product redeemer, and has the ability to apply to a merchant. The right to redeem a good or service. The merchant or an authentication system will provide an order number 46 corresponding to the physical card 30 and mark it in the card basic information 485 in the initial application system 48 and the card advanced information 495 in the advanced application system 49 respectively. The order number 46 may include information on the amount of the ordered product, and may be an exclusive unique number or a single number corresponding to the physical card 30 . The product may be, for example, but not limited to, a product, food, ticket, admission ticket, redemption service or membership.

Step S503, the store is equipped with an advanced reader 47 at the entrance of the store or at the entrance of a food pickup lane, and the advanced reader 47 will continue to detect whether the UHF electronic tag with order number 46 is read. 37?

Step S505, the advanced reader 47 at the entrance has detected that the physical card 30 with the order number 46 has been brought to the store entrance or its surroundings. The store can know the goods to be picked up based on the read order number 46. The physical card 30 and the ordered goods or services can therefore be prepared and taken out for the pre-ordered goods to be redeemed.

Step S507, the physical card holder arrives at a commodity exchange office in the store, holds the physical card 30 and approaches a primary reader 43 of the merchant. The primary reader 43 will read the high-frequency electronic tag 35 of the physical card 30. And determine whether the physical card 30 carries the order number 46 of the product to be redeemed?

In step S509, the merchant's primary reader 43 will directly deduct the amount of the pre-ordered product from the first stored value amount 4859 of the physical card 30.

In step S510, it is confirmed that the physical card 30 has paid for the goods, so the pre-ordered goods can be handed over to the physical card holder, and the physical card holder can take away the pre-ordered goods, thereby completing the transaction of the goods.

In another embodiment of the present invention, a step S514 can be added after step S503: after the advanced reader 47 detects and reads the UHF electronic tag 37 and the order number 46, the physical card holder can be 30 holders are directed to a member express channel to divert the flow from other buyers who have not pre-ordered goods. This can speed up the process of guiding pre-orderers to the product exchange office and complete product payment and redemption.

In the above step S501, the holder of the physical card can also choose to directly pay for the goods when ordering the goods. In this way, when the holder of the physical card 30 goes to the store to pick up the goods, the order number 46 of the physical card 30 can be regarded as Identification of the physical card holder, or setting the product fee of order number 46 to zero yuan paid, so that after the physical card 30 is passed through steps S507 and S509, the holder of the physical card 30 Just pick up the item you ordered. In addition, the above order number 46 can also be set as the card's basic internal code 4855 and/or the card's advanced internal code 4955.

Since the ultra-high frequency electronic tag 37 of the physical card 30 can be detected and read by the merchant's advanced reader 47 at the entrance of the store, the merchant can be notified immediately to prepare or take out the ordered product without waiting for the physical card 30 to be physically stored. The holder of the card 30 notifies the merchant to take out the ordered product only after arriving at the product exchange office, so the transaction time of the product can be shortened.

The physical card 30 will not leave the holder of the physical card 30 during the entire transaction and does not need to come into contact with merchant staff. It is a contactless transaction mode and can maintain social safety distance during the epidemic prevention period. Therefore, it can not only reduce the cost of physical card 50 The risk of loss and theft can also reduce the chance of being infected by viruses or bacteria, and improve the security of commercial transactions.

Please refer to FIG. 6 , which is a schematic diagram of another embodiment of the present invention. The physical card 30 of the present invention is applied to commodity transactions in a stadium or a concert venue, as follows:

In step S601, the holder of the physical card 30 first completes a product ordering action with a merchant and informs a purchase information to become a member or a product redeemer. For example, the holder of the physical card 30 can order goods from a merchant through a communication device or at a counter. The ordered goods can be food, snacks, lunch boxes, drinks, souvenirs, gifts or memberships. The pickup information may include a venue location and/or the estimated delivery time of the product. When the product ordering action is completed, the merchant and/or an authentication system will provide an order number 46 corresponding to the physical card 30 and mark it in the card advanced information 495 of the advanced application system 49 and/or the preliminary application system 48 Basic card information 485. The order number 46 includes an amount information and/or pickup information of the ordered product.

Step S602: According to the pickup information, the merchant delivers the ordered product to a location area of the stadium or concert venue designated by the physical card 30 at the designated delivery time.

Step S603, the merchant uses an advanced reader 47 to detect whether the UHF electronic tag 37 with the order number 46 can be read, and confirms whether it is the holder of the physical card 30?

In an embodiment of the present invention, when the merchant detects the UHF electronic tag 37 with the order number 46, both parties can use body movements or mobile phone communication to find out the holder of the physical card 30 and ask the physical card holder to The holder of the card 30 indicates his order number 46, the main image data (clear number) 33 of the physical card 30, presses the mobile phone to confirm the command, or executes step S604 to confirm whether he is the physical entity of the ordered product. Holder of Card 30.

Step S613, when the advanced reader 47 cannot read the UHF electronic tag 37 of the physical card 30, the merchant can rely on the card membership list 499 or the mobile phone number left by the holder of the physical card 30 when ordering goods. Call to confirm their venue location. If the physical card holder’s field status is confirmed Set, continue to execute step S603. On the contrary, if the holder of the physical card 30 cannot be found, the commodity transaction will be cancelled.

Step S604, the merchant determines the distance between the merchant and the physical card holder or directly turns on a primary reader 43 of the merchant to see whether the high-frequency electronic tag 35 of the physical card 30 is read by the primary reader 43? For example, if the merchant and the holder of the physical card 30 are within a working distance, such as within 1 meter, the primary reader 43 can read the high-frequency electronic tag 35 of the physical card 30 . If the high-frequency electronic tag 35 is read, step S605 is continued. On the contrary, if the high-frequency electronic tag 35 cannot be read, step S624 is executed.

Step S624 indicates that the merchant's primary reader 43 cannot read the high-frequency electronic tag 35 of the physical card 30, so the holder of the physical card 30 must be asked to carry the physical card 30 and move to the merchant's staff before continuing. Execute step S605. On the contrary, if the holder of the physical card 30 is unwilling to move the location, the commodity transaction is canceled or step S625 is performed.

Step S605 indicates that the merchant's primary reader 43 can read the high-frequency electronic tag 35 of the physical card 30, so the primary reader 43 can determine whether the order number 46 in the high-frequency electronic tag 35 is correct, and Confirm whether the cost of the product can be directly deducted from the first stored value amount 4859 of the high-frequency electronic tag 35? If the deductible or product amount is zero yuan, step S606 is executed. Otherwise, step S635 is executed.

Step S635 indicates that the amount in the first stored value amount 4589 of the high-frequency electronic tag 35 is lower than the product fee. Therefore, it is confirmed whether the physical card 30 has a credit card or debit card transfer stored value function? If so, after the credit card or debit card transfers a certain amount to the first stored value amount 4859, step S605 is continued. Otherwise, cancel the commodity transaction or perform step 637.

In step S606, the merchant has confirmed the identity of the orderer and has recovered the payment for the merchandise. Therefore, the merchandise to be redeemed can be delivered to the holder of the physical card 30 to complete the merchandise transaction.

In an embodiment of the present invention, after step S624, a step S625 can be added. Is the holder of the physical card 30 willing to choose cash payment and ask other viewers to submit cash and goods? If agreed, step S606 is executed. Otherwise, the product transaction will be cancelled.

In an embodiment of the present invention, after step S635, a step S637 can be added. When the stored value amount in the first stored value amount 4859 is lower than the product fee, and the physical card 30 does not have a credit card or debit card transfer function, The holder of the physical card 30 can decide whether he is willing to pay for the product in cash, or mark the first stored value amount 4859 in the product debt record and wait for payment in the future. If he agrees, step S606 continues. On the contrary, cancel the commodity trading behavior.

The exchange or payment of goods can be recorded in the advanced reader 47, the primary reader 43 and/or the basic application system 48, the advanced application system 49, and then the data will be supplemented through the card machine, and then the information will be uploaded to the card machine. Physical card 30 recovery money. Alternatively, the physical card holder has previously set the physical card 30 to be bound to a credit card (Credit Card) or a debit card (Debit Card), so the transaction fee can be directly deducted from the credit card or debit card.

Since the physical card 30 of the present invention does not need to leave the holder's side during the commodity transaction process, it can not only quickly complete the transaction and exchange of commodities, but also reduce the risk of the physical card being stolen or stolen. The entire process is a contactless transaction mode. Maintaining social safety distance during the epidemic prevention period can improve transaction safety.

In addition, please refer to FIG. 7 , which is a schematic diagram of another embodiment of the present invention. As shown in the figure: steps S601 to S606 and S613 are the same as those in the embodiment of FIG. 6 . However, after performing step S604, if the merchant's primary reader 43 cannot read the high-frequency electronic tag 35 of the physical card 30, step S724 will be performed.

Step S724, use the merchant's advanced reader 47 to read the UHF electronic tag 35 of the physical card 30, and use the advanced reader 47 to confirm whether the second stored value of the UHF electronic tag 37 can be obtained. The product fee will be directly deducted from the amount of 4959? If the payment can be deducted or the product amount is zero yuan, step S606 is executed. Otherwise, step S725 is executed.

Step S725, the advanced reader 47 directly debits the first stored value amount 4859 of the physical card 30, or transfers the credit card transfer amount into the second stored value amount 4959 of the UHF electronic tag 37 and then deducts the money. , or mark the second stored value amount 4959 as a product debt and wait for payment in the future. If agreed, continue to step S606. Otherwise, proceed to step S726.

Step S726: Is the holder of the physical card 30 willing to choose cash payment and ask other viewers to hand over cash and merchandise? If agreed, step S606 is executed. Otherwise, the product transaction will be cancelled.

Furthermore, after step S605 is executed, if the primary reader 43 cannot deduct the first stored value amount 4859 of the physical card 30 , then step S735 is executed: the primary reader 43 deducts the money from the second stored value of the physical card 30 . If If agreed, continue to step S606. Otherwise, proceed to step S736.

Step S736: Is the holder of the physical card 30 willing to pay in cash? If agreed, step S606 is executed. Otherwise, the product transaction will be cancelled.

The above-mentioned embodiment of FIG. 7 can also achieve a contactless transaction mode. The physical card 30 does not need to leave the holder, which not only reduces theft and virus infection of the physical card, but also shortens the transaction time of goods.

Finally, please refer to FIG. 8 , which is a schematic diagram of another implementation of the present invention. The physical card of the present invention is also suitable for epidemic prevention tools. As shown in the figure: step S801, a store, shopping mall or merchant is equipped with an advanced reader 47 at the entrance of the shopping mall, and divides the entrance of the shopping mall into a member express lane and a non-member fast lane. Member channel. Entrants who want to enter the mall are based on whether they are members of the physical card 30 and whether they carry the physical card 30? If yes, step S802 is executed to select the walking member express lane. On the contrary, if the user is not a member or has not brought the physical card 30, step S812 is executed and the user chooses to walk through the non-member channel.

In step S803, the advanced reader 47 of the shopping mall will detect whether the UHF electronic tag 37 of a physical card 30 is read. If a signal is read, step S804 is continued. On the contrary, if the UHF electronic tag 37 is not read, the consumer is asked to perform step S812 and change to the non-member channel.

Step S804, the merchant's advanced reader 47 will determine whether there is a person marked as an epidemic-related person from the card advanced data 495 or card member list 499 corresponding to the UHF electronic tag 37? If the member is not related to the epidemic, step S808 may be executed to allow the member with the physical card 30 to enter the mall.

In step S805, the warning device at the mall entrance will send out a warning message to remind the holder of the physical card 30 not to directly enter the mall. Warning devices at shopping mall entrances include warning lights, The alarm sounds and/or the communicator of the security personnel at the mall entrance. For example, when the guard's communicator vibrates or sounds, it means that the guard must ask the holder of the physical card 30 to leave the mall or move to a controlled area to wait for an operation. Epidemic prevention regulations are handled.

Step S806: The mall entrance guard determines whether the member or holder listed as a person related to the epidemic has left the mall? If yes, step S803 is executed again. On the contrary, if it is not sure whether the person related to the epidemic has left, step S807 is executed.

Step S807, a primary reader 43 is provided at the entrance of the mall. The primary reader 43 can read the high-frequency electronic tag 35 of the physical card 30 that wants to enter the mall, and check its basic card information 485 or card membership list 499 Have any of them been marked as persons related to the epidemic? If yes, the member is related to the epidemic, step S827 is executed and the member is asked to leave the mall. On the contrary, on behalf of the member of the physical card 30 who is not related to the epidemic, the member of the physical card 30 can be allowed to enter the mall, and step S808 is performed.

Step S813: Consumers who walk through the non-member channel after executing step S812 will follow the current epidemic prevention regulations formulated by the government. For example, consumers need to fill in their name, contact information and other physical registration, or scan the mall barcode with their mobile phone and send a newsletter to log in an epidemic prevention footprint information. In an embodiment of the present invention, when performing step S803, when the advanced reader 47 of the mall reads the ultra-high frequency electronic tag 37 of the physical card 30, it will also read the UHF electronic tag 37 of the physical card 30 that has arrived at the entrance of the mall. The information is recorded in the card advanced information 495, the card basic information 485 and/or the card member list 499 as the footprint information of the physical card 30. Members of the physical card 30 do not need to fill in additional physical link registration, or use their mobile phones to create epidemic footprint briefings. Therefore, it can not only shorten the transaction time of goods, but also isolate the virus transmission channels and improve transaction security.

When physical card 30 members are confirmed to be epidemic-related persons on other occasions, relevant government units will connect their information and note it in the card's advanced information 495, card basic information 485 and/or card member list 499.

In one embodiment of the present invention, step S805 also includes: If a large number of physical cards 30 are read at the same time and it is impossible to determine which member is listed as an epidemic-related person, the member quick service can also be temporarily closed. Channel, first of all, all members in this area are not allowed to enter the mall.

If a member of the physical card 30 lends the physical card 3o to others, or the member information on the physical card 30 is falsely recorded, it will not affect the implementation of this embodiment. The above-mentioned dishonest behavior only returns to the current epidemic-related regulations. For example, during the current epidemic, there are still cases of inaccurate registration of real-linkage registration information, or dishonest behavior of lending mobile phones to others.

The above is only one of the preferred embodiments of the present invention, and is not intended to limit the scope of the present invention. That is, all changes in shape, structure, characteristics and spirit described in the patent scope of the present invention may be equal to those described above. Modifications should be included in the patentable scope of the present invention.

30:Physical card

300: card body

31:Surface

33: Main image information

35: High frequency electronic tag

37: UHF electronic tag

39:Financial reading document

485:Basic card information

4855: Basic internal code of the card

495: Card advanced information

4955: Card advanced internal code

Claims (6)

A method of using a physical card that can reduce transaction time. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, including: completing an order for a product to obtain an order number, and causing the physical card to The holder becomes a member or a commodity redeemer; an advanced reader detects whether the UHF electronic tag including the order number has been read, and the advanced reader is set at an entrance position; if the read After obtaining the UHF electronic tag, a merchant will know that the holder of the physical card has approached a product exchange office, so he can take out the ordered product; a primary reader reads the order number included The high-frequency electronic tag, the primary reader is set at the commodity exchange office; deduct a commodity payment for the commodity from a first stored value amount of the physical card or mark a picked-up item in the physical card message; and deliver the product to the holder of the physical card. The method of use as described in request item 1 includes: when the advanced reader reads the ultra-high frequency electronic tag of the physical card, guide the holder of the physical card to enter a member express channel, and pass through the Members can quickly access the product exchange office. The method of use as described in claim 1 includes: the high-frequency electronic tag of the physical card includes the first stored-value amount, and the ultra-high-frequency electronic tag of the physical card includes a second stored-value amount . A method of using a physical card that can reduce transaction time. The physical card is equipped with a high-frequency electronic tag and an ultra-high-frequency electronic tag, including: defining a consumer holding the physical card as a member, and the member walks a Member express lane, while consumers who do not hold the physical card will go through a non-member lane; An advanced reader detects and reads the UHF electronic tag of the physical card, and determines whether the member is a member based on a card advanced data or a card member list corresponding to the UHF electronic tag. An epidemic-related person, the advanced reader is installed at an entrance of the shopping mall; if the epidemic-related person is detected, a warning message is provided; the member who is marked as an epidemic-related person is asked to move to a control area Or leave the mall; if no persons related to the epidemic are found, the merchant's primary reader will read the high-frequency electronic tag of the physical card and based on the basic information of the card corresponding to the high-frequency electronic tag or The card member list is used to identify those related to the epidemic. The primary reader is installed at an entrance of the shopping mall; and allows the members who are not marked as those related to the epidemic and the consumers who have passed an epidemic prevention regulation to enter. The mall. The usage method described in request item 4 also includes: after detecting the epidemic-related person and providing the warning message, the entrance will be temporarily closed to confirm that the epidemic-related person has moved to the control area or left the control area. Shopping mall; the non-member channel will control the entry of the consumer in accordance with the epidemic prevention regulations. As described in request 4, when the advanced reader reads the UHF electronic tag, an epidemic prevention footprint data will be generated and registered in the card's advanced data or the card's basic data.

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