CN101359414A - Novel electronic card and use method thereof - Google Patents

Abstract

The invention discloses a novel electronic card which comprises an electronic card body, a bank logo arranged on the front surface of the electronic card body, the Arabic numbers arranged on the lower part of the bank card logo, an anti-counterfeiting label adhered on the surface of the Arabic numbers and a chip or a magnetic stripe arranged on the back surface of the electronic card body; the alarm password is arranged in the chip or the magnetic stripe; when the identification password in the novel electronic card is revealed or the card holder is threatened to provide the identification password, the alarm password can send an alarm signal through the ATM card reader machine, so as to prevent the loss caused by the situation that the identification password is revealed or the card holder is threatened to provide the identification password.

Description

Novel electronic card with and using method

[technical field]

The present invention relates to a kind of novel electronic card, be meant that specifically a kind of application contains bank's stored value card, credit card and the debit card of Stored Value function and password identification function and the using method of this above-mentioned novel electronic card.

[background technology]

The constantly progressive and development along with society, the commercialization transaction is frequent to be taken place, and electronic cards is adopted by consumers in general because of the information storage is big, strong security and use easy to carryly.The bank card that multiple class is arranged in the market can be divided into deposit card, debit card, purchase card and credit card etc. according to function; Mode according to data recording can be divided into magnetic stripe card, Contact Type Ic Card and non-contact IC card etc.When the client uses bank card, above-mentioned bank card is inserted bank's read-write equipment or atm device, read-write equipment or atm device are to client's prompting " please input password "; If the password of input is consistent at the password that bank is provided with in advance with the client, then read-write equipment or atm device determine that this client has the right to use this bank card, and read-write equipment or atm device allow the client to carry out next step operation; Otherwise if the password of input and client close at the password not match that bank is provided with in advance, then operation is terminated.In use,, under situation about being held, be forced to provide recognition code, then cause the loss that is difficult to retrieve easily in case recognition code reveals or the client is taken place because of above-mentioned bank card only is provided with one group of recognition code.

[summary of the invention]

The present invention is directed to potential safety hazard that above-mentioned prior art exists and problem and provide a kind of can avoiding to be revealed or the client is forced to provide recognition code damnous novel electronic card under situation about being held because of recognition code.

For achieving the above object, the invention provides a kind of novel electronic card, it comprises the electronic cards main body, be arranged at bank's icon in electronic cards main body front, be arranged at the arabic numeral of bank icon bottom, chip or the magnetic stripe that is pasted on the anti-false sign of arabic numeral upper surface and is arranged at the electronic cards main body back side, it is characterized in that: be provided with alarm cipher in this chip or magnetic stripe.

In order to use above-mentioned novel electronic card, using method is as follows:

Step 1: the client is used to the novel electronic card of the fund that stores earlier to the bank cashier application in bank, and set up protection recognition code service function and alarm cipher service function to bank application, it sets small amount account when using recognition code, also can select whether to apply for alarm cipher simultaneously;

Step 2: bank accepts above-mentioned novel electronic card with recognition code function and alarm cipher function, and its storage is that the bank computer system puts on record, and is provided with the corresponding small amount account number amount of money of recognition code and whether warning function is set;

Step 3: the client inserts described novel electronic card in the ATM card reader, after the ATM card reader reads the relevant information of this novel electronic card, send " please input password " dialog box to the client, the client inputs password and confirms, the ATM card reader with the relevant information of described novel electronic card by Network Transmission behind the bank computer system validation, whether the ATM card reader is sent recognition code to the client is the protection password; If the client determines "No", then the ATM card reader is sent the dialog box of " please export the amount of money of withdrawing the money ", and the client imports the amount of money of withdrawing the money and confirms that the ATM card reader is sent the amount of money of withdrawing the money automatically; Whether if the client determines "Yes", then the ATM card reader is handled according to the predefined small amount account number of client, and propose to require to report to the police to the client; If the client determines "Yes", the ATM card reader is reported to the police the information of described novel electronic card and the information transmission warning system of alarm cipher, otherwise, handle by the predefined small amount account of the client amount of money.

Useful technique effect of the present invention: because of in the chip of novel electronic card or magnetic stripe, being provided with alarm cipher, when being forced to recognition code is provided under the situation that the recognition code in the described novel electronic card is revealed or the client is being held, described alarm cipher can be sent alerting signal to warning system by the ATM card reader, thereby can avoid being revealed or the client is forced to provide the damnous situation of recognition code to take place under situation about being held because of recognition code.

For purpose of the present invention, structural attitude and function thereof are had further understanding, conjunction with figs. is described in detail as follows now:

[description of drawings]

Fig. 1 is the synoptic diagram of the bidding novel electronic card alarm cipher flow process among the present invention;

Fig. 2 uses the synoptic diagram of flow process for novel electronic card among the present invention.

[embodiment]

See also Figure 1 and Figure 2, below in conjunction with embodiment a kind of novel electronic card provided by the present invention is described, comprise the electronic cards main body, be arranged at electronic cards main body front bank's icon, be arranged at the arabic numeral of bank icon bottom, chip or the magnetic stripe that is pasted on the anti-false sign of arabic numeral upper surface and is arranged at the electronic cards main body back side, in this chip or magnetic stripe, be provided with alarm cipher.

In order to use above-mentioned novel electronic card, its using method is as follows:

Step 1, the client is used to the novel electronic card of the fund that stores earlier to the bank cashier application in bank, and set up protection recognition code service function and alarm cipher service function to bank application, it sets small amount account when using recognition code, also can select whether to apply for alarm cipher simultaneously;

Step 2, bank accepts above-mentioned novel electronic card with recognition code function and alarm cipher function, and its storage is that the bank computer system puts on record, and is provided with the corresponding small amount account number amount of money of recognition code and whether warning function is set;

Step 3, the client inserts described novel electronic card in the ATM card reader, after the ATM card reader reads the relevant information of this novel electronic card, send " please input password " dialog box to the client, the client inputs password and confirms, the ATM card reader with the relevant information of described this novel electronic card by Network Transmission behind the bank computer system validation, the ATM card reader is sent recognition code to the client and whether is protected password; If the client determines "No", then the ATM card reader is sent the dialog box of " please export the amount of money of withdrawing the money ", and the client imports the amount of money of withdrawing the money and confirms that the ATM card reader is sent the amount of money of withdrawing the money automatically; Whether if the client determines "Yes", then the ATM card reader is handled according to the predefined small amount account number of client, and propose to require to report to the police to the client; If the client determines "Yes", the ATM card reader is reported to the police the information of described novel electronic card and the information transmission warning system of alarm cipher, otherwise, handle by the predefined small amount account of the client amount of money.

In sum, because of being stuck in chip or the magnetic stripe, novel electron is provided with alarm cipher, when being forced to recognition code is provided under the situation that the recognition code in the described novel electronic card is revealed or the client is being held, described alarm cipher can be sent alerting signal to warning system by the ATM card reader, thereby can avoid being revealed or the client is forced to provide the damnous situation of recognition code to take place under situation about being held because of recognition code.

Claims (2)

1, a kind of novel electronic card, it comprises the electronic cards main body, be arranged at bank's icon in electronic cards main body front, be arranged at the arabic numeral of bank icon bottom, chip or the magnetic stripe that is pasted on the anti-false sign of arabic numeral upper surface and is arranged at the electronic cards main body back side, it is characterized in that: be provided with alarm cipher in this chip or magnetic stripe.

2, in order to use the described novel electronic card of claim 1, using method is as follows:

Step 1: the client is used to the novel electronic card of the fund that stores earlier to the bank cashier application in bank, and set up protection recognition code service function and alarm cipher service function to bank application, it sets small amount account when using recognition code, also can select whether to apply for alarm cipher simultaneously;

Step 2: bank accepts above-mentioned novel electronic card with recognition code function and alarm cipher function, and its storage is that the bank computer system puts on record, and is provided with the corresponding small amount account number amount of money of recognition code and whether warning function is set;

Step 3: the client inserts described novel electronic card in the ATM card reader, after the ATM card reader reads the relevant information of this novel electronic card, send " please input password " dialog box to the client, the client inputs password and confirms, the ATM card reader with the relevant information of described novel electronic card by Network Transmission behind the bank computer system validation, whether the ATM card reader is sent recognition code to the client is the protection password; If the client determines "No", then the ATM card reader is sent the dialog box of " please export the amount of money of withdrawing the money ", and the client imports the amount of money of withdrawing the money and confirms that the ATM card reader is sent the amount of money of withdrawing the money automatically; Whether if the client determines "Yes", then the ATM card reader is handled according to the predefined small amount account number of client, and propose to require to report to the police to the client; If the client determines "Yes", the ATM card reader is reported to the police the information of described novel electronic card and the information transmission warning system of alarm cipher, otherwise, handle by the predefined small amount account of the client amount of money.

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