CN104809613A - One-card multi-account financial IC (integrated circuit) card - Google Patents

One-card multi-account financial IC (integrated circuit) card Download PDF

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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
Application number
CN201510253949.7A
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Chinese (zh)
Inventor
王小安
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Individual
Original Assignee
Individual
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CN201510253949.7A priority Critical patent/CN104809613A/en
Publication of CN104809613A publication Critical patent/CN104809613A/en
Pending legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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

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  • 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

A kind of card many accounts financial IC card
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.
CN201510253949.7A 2015-05-19 2015-05-19 One-card multi-account financial IC (integrated circuit) card Pending CN104809613A (en)

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)

* Cited by examiner, † Cited by third party
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)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102005087A (en) * 2009-08-28 2011-04-06 ***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

Patent Citations (5)

* Cited by examiner, † Cited by third party
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 ***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)

* Cited by examiner, † Cited by third party
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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Application publication date: 20150729

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