CN101261754A - A value storage financial card with multiple applications - Google Patents
A value storage financial card with multiple applications Download PDFInfo
- Publication number
- CN101261754A CN101261754A CNA2007100800755A CN200710080075A CN101261754A CN 101261754 A CN101261754 A CN 101261754A CN A2007100800755 A CNA2007100800755 A CN A2007100800755A CN 200710080075 A CN200710080075 A CN 200710080075A CN 101261754 A CN101261754 A CN 101261754A
- Authority
- CN
- China
- Prior art keywords
- financial card
- value storage
- storage financial
- value
- stored value
- 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
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
- G06Q20/357—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
- G06Q20/3574—Multiple applications 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
Abstract
The invention discloses a stored value financial card with a plurality of applications. The invention provides a system to identify whether the stored value financial card is correct through the internal code on the stored value financial card. If the internal code is correct, actions of deduction or value storage can be carried out. The information is sent back to the system and the value is stored at an internal memory by (I/O) and a chip. The system end can record this reduction or value storage action. Value adding action can be carried out at a near ATM without using cash to store value. The amount of money can be limited to facilitate customers to use as petty cash given to children; the stored value financial card can also be used for making calls from public phones instead of using phone cards, or used for taking transportation vehicles, which can spare the trouble for preparing change, and also be used for paying the bill in shopping. The stored value financial card has a function of wide range of applications, thereby enabling customers to go out without the need of taking a plurality of cards and reducing the risk of losing.
Description
Technical field
The present invention relates to a kind of value storage financial card, the especially a kind of value storage financial card that can have a multiple application.
Background technology
VISA credit card in the past only limits to single use-pattern of planting, though the also action that can withhold, but only limit to use the hotel owner of credit card to use, if do not carry enough cashes on one's body, just can do shopping with regard to must arriving the hotel owner that can use credit card, this VISA credit card can't limit the use amount of money, can only be at there being how many deposits just can use how much amount of money in the account, usually allow the people surpass the cost of own institute budget unconsciously, cause the inconvenience of using on the money in the future, if use this VISA credit card to child, often the amount of this VISA credit card is quite big, if use to child, often the amount of money is excessive, is not suitable for child's needs pecuniarily.If give young man, also because the amount of money is not little, so the money idea that often makes the mistake.
Took the people of public transportation vehicle in the past, and the action that can't use this VISA credit card to withhold, must prepare change or EasyCard more in addition, the just action that can withhold, suitable inconvenience during as if the EasyCard insufficient in amount, must arrive specific place and just can carry out the action of Stored Value, and the mode of Stored Value also limits Stored Value in cash, the convenience deficiency.
So in the application of common technique, still have multinomial disappearance, be necessary to be improved.
Summary of the invention
The objective of the invention is to overcome the deficiencies in the prior art, a kind of value storage financial card that can have a multiple application is provided, can be at contiguous oneself ATM, just can carry out value added action, do not need to make Stored Value in cash, can limit the Stored Value amount of money, allow the client conveniently use as pocket money to child; This value storage financial card also can be dialed public telephone, phonecard need not be bought again or transport facility can be used for taking, exempted the trouble that to prepare change voluntarily, also can when checking out, use shopping, this value storage financial card has the function of multiple application, can allow the client go out does not need to carry a lot of cards again, reduces the risk of losing.
To achieve these goals, the technical solution used in the present invention is: a kind of value storage financial card with multiple application is provided, uses in the ATM of financial institution system and the multiple electronic installation that needs to pay, described value storage financial card comprises following assembly:
One processor chips; Every things in the disposal system; Wherein comprise the increase and decrease of Stored Value;
One internal memory is connected to chip, the related data in the access system; Described internal memory comprises:
One ISN district stores an ISN, is the exclusive number of described value storage financial card, and whether the described value storage financial card of identification is ATM institute acceptable value storage financial card;
One Stored Value district, the amount of record Stored Value;
One I/O mechanism (I/O); Be the input and the output of the data of system;
After inserting value storage financial card, menu will appear in ATM system picture, can select the function of Stored Value, the input Stored Value amount of money in picture, determine the Stored Value amount of money after, the system of financial institution's end will confirm whether account has the enough amount of money, can carry out the action of Stored Value, again information is back to ATM, via I/O, chip Stored Value to internal memory, after the release of Stored Value, the banking system end will write down this Stored Value record.
Advantage of the present invention is: applied range, and easy to use, one card for multiple uses, the value of dashing is simple, can limit the storage volume.
Description of drawings
Fig. 1 is a value storage financial card structure calcspar of the present invention;
Fig. 2 is the synoptic diagram of value storage financial card Stored Value mode of the present invention;
Fig. 3 is the Stored Value mode process flow diagram of value storage financial card of the present invention;
Fig. 4 is the process flow diagram that the application end of value storage financial card of the present invention is used;
Fig. 5 is the general electronic installation of value storage financial card of the present invention and the synoptic diagram of system;
Fig. 6 is the synoptic diagram of value storage financial card application function of the present invention;
Fig. 7 is the synoptic diagram of value storage financial card application function of the present invention;
Fig. 8 is the synoptic diagram of value storage financial card application function of the present invention.
Description of reference numerals: 1-value storage financial card; The 10-internal memory; The 11-ISN; The 20-processor chips; 30-I/O mechanism (I/O); 101-ISN district; 102-Stored Value district.
Embodiment
Above-mentioned and additional features, advantage of the present invention can further be understood by the detailed description below in conjunction with accompanying drawing.
Fig. 1 shows the value storage financial card with multiple application 1 of first embodiment of the invention, and this value storage financial card 1 comprises following assembly:
One processor chips 20; The every things that is used for disposal system uses in the ATM of financial institution system and the multiple electronic installation that must pay;
One internal memory 10 is connected to chip 20, is used for the related data of access system.This internal memory 10 comprises an ISN district 101 and is used to store an ISN, is the exclusive number of this value storage financial card, and whether be used for this value storage financial card of identification is ATM institute acceptable value storage financial card; One Stored Value district 102 is used to write down the amount of Stored Value, in order to use backward;
One I/O mechanism (I/O) 30; Be used for the input and the output of the data of this value storage financial card 1.
Please refer to Fig. 3, the operational flowchart that wherein shows plug-in card Stored Value in the system of the present invention, after value storage financial card 1 is inserted an ATM, correctly whether the ISN 11 of system's meeting identification value storage financial card 1 (step 201), if ISN 11 is correct, will require to input password (step 202), behind the input proper password, menu will appear in ATM system picture, whether inquires Stored Value (step 203); If want Stored Value, promptly in picture, import the Stored Value amount of money (step 204); After determining the Stored Value amount of money, bank's end confirms whether account has the enough amount of money, to carry out Stored Value action (step 205); Again information is back to ATM, via I/O, and chip Stored Value (step 206) to internal memory; After the release of Stored Value, the banking system end will write down this Stored Value record (step 207).
Show applicating flow chart of the present invention as Fig. 4, Fig. 5 is the relevant assembly calcspar of Fig. 4 process flow diagram.Wherein the present invention is the application end that is applied to have the paying electronic installation.During use, value storage financial card is inserted (step 401) behind the slot of this electronic installation; Correctly whether system's meeting identification value storage financial card ISN (step 402); If ISN is correct, will require to input password (step 403); Behind the input proper password, application end will confirm whether enough remaining sums (step 404) are arranged; If this value storage financial card has enough remaining sums just can use the electronic installation (step 405) of this application end; After using, the action (step 406) that application end promptly notifies financial institution's end and value storage financial card end to withhold simultaneously; When remaining sum is used up, then stop using the use (step 407) of this value storage financial card.Among another kind was used, the client can input password, directly uses value storage financial card to use this electronic installation, and this kind method is applicable to the fund of small-amount.
As Fig. 6, application of the present invention is when dialing public telephone, after the value storage financial card insertion, whether system's meeting identification Stored Value value storage financial card ISN is correct, if ISN is correct, will require to input password, behind the input proper password, the system of withholing will confirm whether enough remaining sums are arranged, if this value storage financial card has enough remaining sums just can call, after finishing using, the action of promptly notifying financial institution's end and value storage financial card end to withhold simultaneously when remaining sum is used up, is then stopped using, information also can be via (I/O), the chip Stored Value is to internal memory, and system end will write down this service recorder; In another kind was used, the client can input password, directly uses value storage financial card to call.
As Fig. 7, application of the present invention is as the people who takes public transportation vehicle, after value storage financial card inserted the system that withholds, whether system's meeting identification value storage financial card ISN is correct, if ISN is correct, the action that the system end of withholing of public transportation vehicle will be withholdd will show the action of can't withholing if Sorry, your ticket has not enough value; System end also can write down the action of this time withholing, information also can be via I/O, chip Stored Value to internal memory, the identification operation of system is quite quick, the people who takes public transportation vehicle can be saved and the trouble of change must be prepared, also can save and wait for the time of getting on the bus, if when finding value storage financial card Sorry, your ticket has not enough value,, do not need worry not have enough cashes can Stored Value on one's body as long as carry out the action of Stored Value near ATM.
As Fig. 8, application of the present invention is to use value storage financial card when shopping is checked out as the client, after value storage financial card inserted the system's machine of withholing, whether system's meeting identification value storage financial card ISN is correct, if ISN is correct, hotel owner's the system end of withholing will carry out the check out action of withholing of the amount of money of this shopping, after withholing, system can show the remaining sum after this time withholing, if will showing, system that Sorry, your ticket has not enough value can't finish transaction this time, information also can be via I/O, chip Stored Value to internal memory, and system end also can write down the action of this time withholing; Be among another kind is used, the client can change the amount of money of Stored Value at any time with this value storage financial card as the pocket money to child, do not need to worry excessively flower usefulness of child, also can avoid cash to child, the trouble that easy lane loses increases many conveniences for the client.
The present invention is a kind of value storage financial card that can have a multiple application, can just can carry out value added action at the ATM of vicinity oneself, not need to make Stored Value in cash, can limit the Stored Value amount of money, allow convenient other people (as the child in the family) of giving of client use as pocket money; This value storage financial card also can be dialed public telephone, phonecard need not be bought again or transport facility can be used for taking, exempted the trouble that to prepare change voluntarily, also can when checking out, use shopping, this value storage financial card has the function of multiple application, can allow the client go out does not need to carry a lot of cards again, reduces the risk of losing.
Be to be understood that, the above illustrative and nonrestrictive just for the purpose of the present invention of explanation in conjunction with the embodiments, without departing from the spirit and scope of the present invention, can make many changes and modification to the present invention, it all will drop in the scope of the invention defined by the claims.
Claims (6)
1. the value storage financial card that can have multiple application uses in the ATM of financial institution system and the multiple electronic installation that needs to pay, and it is characterized in that: described value storage financial card comprises following assembly:
One processor chips, the every things in the disposal system wherein comprises the increase and decrease of Stored Value;
One internal memory is connected to chip, the related data in the access system; Described internal memory comprises:
One ISN district stores an ISN, is the exclusive number of described value storage financial card, and whether the described value storage financial card of identification is ATM institute acceptable value storage financial card;
One Stored Value district, the amount of record Stored Value;
One I/O mechanism; Be the input and the output terminal of the data of system
2. a kind of value storage financial card according to claim 1 with multiple application, it is characterized in that: use described value storage financial card in an application end, described application end comprises a paying electronic installation, value storage financial card output ISN, whether system is whether acceptable value storage financial card and described value storage financial card have enough remaining sums according to the described value storage financial card of output ISN identification, if have, then can use described electronic installation and relevant goods and services.
3. a kind of value storage financial card according to claim 2 with multiple application, it is characterized in that: described application end is withholdd via I/O mechanism and chip to described value storage financial card, and financial institution passed back in the record of will withholing, the action of withholing synchronously of described financial institution.
4. a kind of value storage financial card with multiple application according to claim 2 is characterized in that: described application end requires the value storage financial card user to input a password.
5. a kind of value storage financial card with multiple application according to claim 2 is characterized in that: when remaining sum is used up, stop using described value storage financial card, described value storage financial card is not allowed to use.
6. a kind of value storage financial card with multiple application according to claim 2 is characterized in that: described application end is a public telephone, public transport, convenience store, hotel, sales field, one of parking lot.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100800755A CN101261754A (en) | 2007-03-07 | 2007-03-07 | A value storage financial card with multiple applications |
| PCT/CN2007/001040 WO2008106831A1 (en) | 2007-03-07 | 2007-03-30 | Multi-application stored-value financial card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100800755A CN101261754A (en) | 2007-03-07 | 2007-03-07 | A value storage financial card with multiple applications |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101261754A true CN101261754A (en) | 2008-09-10 |
Family
ID=39737768
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100800755A Pending CN101261754A (en) | 2007-03-07 | 2007-03-07 | A value storage financial card with multiple applications |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN101261754A (en) |
| WO (1) | WO2008106831A1 (en) |
Family Cites Families (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH09185658A (en) * | 1995-12-27 | 1997-07-15 | N T T Data Tsushin Kk | Electronic cash dealing system |
| US6038551A (en) * | 1996-03-11 | 2000-03-14 | Microsoft Corporation | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
| CN1132127C (en) * | 1996-09-13 | 2003-12-24 | 冲电气工业株式会社 | Electronic transaction system |
| US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
| JP2000215286A (en) * | 1999-01-26 | 2000-08-04 | Canon Inc | Electronic currency, method for using the same, electronic currency system and storage medium |
| WO2001057778A2 (en) * | 2000-01-18 | 2001-08-09 | Karen Macaluso | Electronic cash for a financial transaction system |
| CN1151452C (en) * | 2000-07-07 | 2004-05-26 | 深圳市特发现代计算机有限公司 | Self-aid type IC card fee-charging method and device thereof |
| JP3671026B2 (en) * | 2002-05-30 | 2005-07-13 | 東芝テック株式会社 | Product sales data processing device |
| US20070022051A1 (en) * | 2005-05-18 | 2007-01-25 | Parcxmart Technologies, Inc. | System and method for multi-application payment processing |
| CN1920889B (en) * | 2006-06-22 | 2010-05-12 | 北京飞天诚信科技有限公司 | Method for controlling multiple operations of smart card |
-
2007
- 2007-03-07 CN CNA2007100800755A patent/CN101261754A/en active Pending
- 2007-03-30 WO PCT/CN2007/001040 patent/WO2008106831A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| WO2008106831A1 (en) | 2008-09-12 |
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| PB01 | Publication | ||
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| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20080910 |