TWI466032B - Credit card credit card prompt system and tips - Google Patents

Description

Credit card credit amount reminder system and prompt method

The present invention relates to a credit card, and more particularly to a credit card credit amount reminding system and a prompting method.

With the development of technology and the Internet, the use of credit cards has become more and more popular. However, in recent years, the number of credit card and card debt families has increased, and the reason for this is that it is mainly because credit cards are used in general shopping malls or in the case of card swiping, and it is not possible to clearly remind cardholders in the near future. If the cardholder wants to inquire about the amount of money already spent, he/she must contact the issuing bank's customer service or website for enquiry. Not only is the process cumbersome, but the complicated procedures are also likely to cause the cardholder to be inconvenient due to inconvenience. In addition, the cardholder of the credit card may easily cause excessive expenditure without knowing the amount of the credit card, and the problem that the credit card amount exceeds the credit limit or the credit card amount cannot be repaid.

In view of this, the main purpose of the present invention is to provide a credit card credit amount reminding system and a prompting method, so that the cardholder can immediately check the credit card for a predetermined time or a predetermined number of times without using the Internet. Amount.

In order to achieve the above objective, the credit card credit card reminding system provided by the present invention comprises a credit card, a credit card machine and a printing device, wherein the credit card has an EMV chip and a memory chip, and the EMV chip is used for storing the credit card. The authentication data; the memory chip is used for storing the credit card amount of the credit card, and can be repeatedly read and written; the card reader has a reading device, a writing device and a display device, and the reading device is configured to read the EMV The data stored in the wafer or the memory chip; the writing device is configured to write data to the memory chip; the display device is electrically connected to the reading device; the printing device is electrically connected to the reading device.

Thereby, after the reading device reads the authentication data of the EMV chip for authentication and the card is successfully swiped, the writing device writes the current credit card amount into the memory chip of the credit card, and the reading device reads The amount of credit card stored in the memory chip is displayed on the display device, and the read credit card amount is printed through the printing device.

According to the above concept, the memory chip of the credit card stores the credit card amount of the credit card within a predetermined number of credits.

According to the above concept, the memory chip further stores at least one of a consumer currency, a consumption location, a purchase date, a consumption time, and a transaction description corresponding to each credit card amount, and the reading device reads the memory chip to store After the data, the printing device prints the read data.

In order to achieve the above object, the present invention further provides a method for prompting the credit card amount after swiping, for displaying the credit card amount of the credit card, the credit card includes an EMV chip for storing the authentication data, and a credit card amount for storing the credit card. Memory chip; the method includes the following steps:

A. Place the credit card in a location that can be read and written;

B. reading the authentication information in the EMV chip of the credit card to obtain the certification of the card issuing organization of the credit card;

C. Enter and transfer a credit card amount to the card issuer organization;

D. When the card is successfully swiped, the current credit card amount is written into the memory chip of the credit card;

E. reading the credit card amount in the memory chip of the credit card;

F. Prompt the amount of credit card read.

According to the above concept, in step F, the card amount is displayed within a certain number of pens or for a certain period of time.

According to the above concept, in step F, the total amount of credit card in a certain number of pens or a certain period of time is displayed.

According to the above concept, in step B, step D and step E, the data stored by the credit card and the data are written to the credit card through the data transmission mode of the wired connection.

According to the above concept, in step B, step D and step E, the data stored by the credit card and the data are written to the credit card through the data transmission mode of the wireless connection.

According to the above concept, the present invention further provides a method for directly querying the card data in the above method, which is performed by performing step A: placing the credit card in a position that can be read and written, and then performing the steps. E: Read the credit card amount in the memory chip of the credit card, and step F: prompt the credit card amount read.

In this way, through the above design, the cardholder can instantly check the credit card used for credit card within a predetermined time or within a predetermined number of times without going through the Internet and the issuing bank. Amount.

In order that the present invention may be more clearly described, the preferred embodiments are illustrated in the accompanying drawings.

Referring to FIG. 1, a credit card credit amount reminding system provided by a preferred embodiment of the present invention includes a printing device 10, a credit card 20, and a credit card machine 30, wherein:

The credit card 20 is different from the EMV chip 22 used in the general credit card, and further includes a memory chip 24 for storing the authentication data of the credit card 20; the memory chip 24 is for storing the credit card. The amount of the card in the predetermined number of the card can be read and written repeatedly. In addition, in the embodiment, the memory chip can store the consumer currency, the consumption location, the consumption date, the consumption time, and the transaction description corresponding to each card card amount. Wait for the usual information related to the card, but not limited to this, you can also add other additional information such as product information, consumption categories, etc. as needed.

Referring to FIG. 2, the card reader 30 has a reading device 32, a writing device 34, and a display device 36. The reading device 32 is configured to read the data stored in the memory chip 24; the writing device 34 is configured to write data to the memory chip 24; and the display device 36 is electrically connected to the reading device 32.

The printing device 10 is disposed on the card punching machine 30 and electrically connected to the reading device 32.

Therefore, please refer to FIG. 3, through the above-mentioned credit card credit amount reminding system design, and with the following credit card amount prompting method, the purpose of displaying the credit card swiping amount can be achieved; the swipe credit amount prompting method includes the following steps:

A. The credit card 20 is placed in a position that can be read and written; in this embodiment, the credit card 20 is inserted into the card reader 30 to cause the EMV chip 22 of the credit card 20 and the memory chip 24 The reading device 32 of the card reader 30 can be wired to the writing device 34 for data transfer.

B. The authentication device in the EMV chip 22 on the credit card 20 is read by the reading device 32 to obtain the authentication of the credit card issuing organization (such as Visa, MasterCard or JCB, etc.).

C. Input and transfer the credit card amount of the current credit card to the card issuing organization through the card swiping machine 30.

D. When the card swiping machine 30 receives the signal that the card issuing organization replies to the success of the card swiping, the credit card amount and other card swiping information are written into the memory chip 24 of the credit card 20 through the writing device 34.

E. Reading the credit card amount stored in the memory chip 24 of the credit card 20 through the reading device 32.

F. Prompting the swipe amount to be read; in this embodiment, the read credit card amount is displayed on the display device 36, and the read swipe amount is printed through the printing device 10. Referring to FIG. 4, in the embodiment, the total amount of the swipe card stored in a predetermined number of pens is displayed through the display device 36, and the signing of the total amount of the swipe card having the predetermined number of pens is printed through the printing device 10. The card holder of the credit card 20 can immediately know the total amount of the swiped card, thereby achieving the effect of reminding and warning. Of course, in terms of design, in addition to the number of pens as the basis for display and printing, it is also possible to display and print the card information within a predetermined time (such as 1 month) in this step, so that the cardholder can also Knowing the total amount of credit card swiped in the near future, it can also achieve the role of reminders and warnings. Of course, in addition to being displayed by the display device 36 and printed by the printing device 10, the same purpose can be achieved by, for example, voice announcement or other prompting methods.

It is worth mentioning that with the advancement of wireless technology, in the above steps B, D and E, the reading and writing of data can be performed by using a wired connection, such as radio frequency identification. System (Radio Frequency Identification, RFID), Near Field Communication (NFC), or other means of connecting by wireless signals to achieve data transmission.

In addition, in addition to the above method, referring to FIG. 5, the present invention further provides another method for prompting the credit card amount. When the credit card 20 is inserted into the card reader 30, a menu will appear on the display device 36 of the card reader 30. For the user (such as the clerk) to choose to continue the card swipe process or query the program. When the user chooses to execute the card swiping process, step B to step F are performed to achieve the purpose of authentication, swiping and prompting the swipe amount; and if the user chooses to execute the querying program, directly execute step E to step F directly. Read, display and print the stored card data for quick access.

Furthermore, when choosing to execute the query process, the cardholder will usually want to know the details of the purchase in the near future to understand the consumption in the near future. Therefore, when the user selects to execute the inquiry program, the reading device 32 reads the credit card amount and other card data stored in the memory chip 24 of the credit card 20, and through the printing device in a detailed manner. Print a certain amount of credit card or a certain amount of credit card information for a certain period of time, in order to achieve detailed inquiry, and to remind the cardholders of the purpose of excessive consumption. In this way, the card holder can read the data stored in the memory chip 24 before printing the card, and display the details of the previously swiped card information on the display device 34 and through the printing device 10. When it comes out, it can be known whether the credit card amount of the credit card 20 is close to the preset credit limit, and the credit card 20 cardholder can be substantially prevented from having the credit card amount exceeding the credit limit when the card is swiped.

In addition, the credit card credit amount reminding system and method of the present invention does not need to be connected to the issuing bank through the Internet, but directly reads the data in the storage chip 24 in the credit card 20, and instantly queries the offline query method. The amount and details of the card can not only improve the speed of the query, but also achieve the effect of instant query in areas where the network service is interrupted or there is no network service.

The above description is only for the preferred embodiments of the present invention, and equivalent structural and method variations of the present invention and the scope of the claims are intended to be included in the scope of the present invention.

10‧‧‧Printing device

20‧‧‧ Credit Card

22‧‧‧EMV chip

24‧‧‧ memory chip

30‧‧‧ credit card machine

32‧‧‧Reading device

34‧‧‧Write device

34‧‧‧ display device

Figure 1 is a perspective view of a preferred embodiment of the present invention.

2 is a block diagram of a circuit in accordance with a preferred embodiment of the present invention.

Figure 3 is a flow chart of a first preferred embodiment of the present invention.

Figure 4 reveals the prompting of the card data by means of display and printing.

Figure 5 is a flow chart of a second preferred embodiment of the present invention.

10. . . Printing device

20. . . credit card

twenty two. . . EMV chip

twenty four. . . Memory chip

30. . . Credit card machine

36. . . Display device

Claims (9)

A credit card credit card reminding system comprises: a credit card having an EMV chip and a memory chip, wherein the EMV chip is used for storing the authentication data of the credit card; the memory chip is used for storing the credit card amount and can be repeatedly read. a card reader having a reading device, a writing device, and a display device for reading data stored in the EMV chip or the memory chip; the writing device is configured to write data To the memory chip; the display device is electrically connected to the reading device; and a printing device electrically connected to the reading device; wherein the printing device is built in the card reader, when the reading device reads After the authentication data of the EMV chip is authenticated and the card is successfully swiped, the writing device writes the current credit card amount into the memory chip of the credit card, and the reading device reads the credit card amount stored in the memory chip. And displaying on the display device, and printing the read credit amount through the printing device, so that the card holder can inquire and print the previous credit card information through the credit card machine. The credit card credit amount reminding system of claim 1, wherein the credit card memory chip stores the credit card amount of the credit card within a predetermined number of credits. The credit card credit amount reminding system of claim 1, wherein the memory chip further stores at least one of a consumer currency, a consumption location, a consumption date, a consumption time, and a transaction description corresponding to each credit card amount, and After the reading device reads the data stored in the memory chip, the printing device prints the read data. A method for prompting the credit card amount after the card is swiped, for displaying the credit card amount of the credit card, the credit card includes an EMV chip for storing the authentication data, and a memory chip for storing the credit card amount; the method comprises the following steps: A. placing the credit card on a card reader; B. reading the authentication data in the EMV chip of the credit card through the card reader to obtain the certification of the card issuing organization of the credit card; C. inputting and transmitting a credit card amount to The card issuing organization; D. when the card is successful, the current credit card amount is written into the memory chip of the credit card; E. reading the credit card amount in the memory chip of the credit card by the card reader; F. using the reading The card printing device built in the card machine prints the amount of the swipe card read, so that the cardholder can inquire and print the previous card swiping information through the card swiping machine. The method for prompting the credit card amount after the card is swiped as described in the claim 4, wherein in the step D to the step F, the consumer currency, the consumption location, and the consumption date corresponding to each swipe card amount are written, read, and prompted. At least one of the information on consumption time and transaction description. If the method of prompting the credit card amount after the card is swiped as described in claim 4, in step F, the amount of the swipe card within a certain number of times or within a certain period of time is respectively indicated. In the method of claim 4, after the card is swiped, the method of prompting the credit card amount is displayed. In step F, the total amount of the swipe card within a certain number of times or within a certain period of time is displayed. The method for prompting the credit card amount after the card is swiped as described in claim 4, wherein in step B, step D and step E, the data transmission mode is through a wired connection. Read the information stored on the credit card and write the data to the credit card. The method for prompting the credit card amount after the card is swiped, as described in claim 4, wherein in step B, step D, and step E, the data stored by the credit card is read and the data is written to the data transmission mode. credit card.