CN102298718A - Multifunctional financial IC (Integrated Circuit) visible card - Google Patents
Multifunctional financial IC (Integrated Circuit) visible card Download PDFInfo
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- CN102298718A CN102298718A CN2011101886162A CN201110188616A CN102298718A CN 102298718 A CN102298718 A CN 102298718A CN 2011101886162 A CN2011101886162 A CN 2011101886162A CN 201110188616 A CN201110188616 A CN 201110188616A CN 102298718 A CN102298718 A CN 102298718A
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- 238000004891 communication Methods 0.000 claims description 5
- 230000002093 peripheral effect Effects 0.000 claims description 2
- 230000005540 biological transmission Effects 0.000 description 12
- 238000007600 charging Methods 0.000 description 12
- 238000004134 energy conservation Methods 0.000 description 6
- 230000009286 beneficial effect Effects 0.000 description 1
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Abstract
The invention provides a multifunctional financial IC (Integrated Circuit) visible card, which comprises a financial IC card module and a dynamic password module, wherein the financial IC card module is used for executing a debit card function needed by a bank; the dynamic password module is used for generating and displaying a dynamic password, is connected with a battery and a key respectively, and further comprises a dynamic password controller and a display screen; the dynamic password controller is connected with the battery and the key respectively, and is used for generating a dynamic password; and the display screen is connected with the dynamic password controller. The multifunctional financial IC visible card has the advantages that the carrying is convenient, the losing, the stealing, and the wrong matching of a cipher coder with a debit card can be avoided, the service life is long, and the like.
Description
Technical field
The present invention relates to a kind of bank card, particularly a kind of multi-functional financial IC visible card.
Background technology
In recent years network coverage popularity rate fast lifting, network trading rises rapidly, impels the Internet bank open post.At present, the common people must use bank's debit card and Internet bank's scrambler or numerical digit authenticator simultaneously, to carry out safe network trading.But present network trading mode but exists problems:
(1) there are its specific debit card and Internet bank's scrambler or numerical digit authenticator in bank of every family, and scrambler or not intercommunication of authenticator, so the common people need carry debit card and the scrambler or the authenticator of each corresponding bank, it is not too convenient to carry.(2) some scrambler need be inserted into the interface of PC, forgets easily later in transaction and extracts, and do not take away with oneself, and then lose or be stolen, and causes the leak on the safety.(3) some authenticator need be installed particular driver, and this driver is incompatible on some PC, causes some PC can't carry out network trading.(4) too many scrambler or authenticator and debit card usually causes the user to match mistake in a hurry, causes the failure of network trading.
Above-mentioned all is the problem that the present common people run into through regular meeting; thereby in the past few years; many kinds of electronics display cards have appearred; to solve the problem of various scrambler Portabilities; for example VISA debit card, Master debit card etc., this electron-like display card when transaction, need not access to your password device or numerical digit authenticator.But these electronics display cards all are deflection application-specific objects, or only are with some specific function, and it also needs special chip and manufacture method, so cost is higher.And these show that cards also can't be attached to consumer's account No., carry out auto deduction, can't directly use for the consumer.And, also can't satisfy high degree of safety and the low-cost requirement that all will have concurrently for bank and financial services industry.
In sum, when carrying out network trading, debit card must cooperate scrambler or numerical digit authenticator to use at present, exist carry inconvenience, lose easily, the problem of poor compatibility and complex operation.
Summary of the invention
The purpose of this invention is to provide a kind of multi-functional financial IC visible card, to solve at present when carrying out network trading, debit card must cooperate scrambler or numerical digit authenticator to use, exist carry inconvenience, lose easily, the problem of poor compatibility and complex operation.
The present invention proposes a kind of multi-functional financial IC visible card, comprises financial IC card module and dynamic password module.The financial IC card module is used to carry out the required debit card functionality of bank, and it is by metallic contact and/or antenna and PERCOM peripheral communication.The dynamic password module is used for generating and showing dynamic password, and it links to each other with battery and button respectively.Wherein, the dynamic password module further comprises dynamic password controller and display screen again.The dynamic password controller links to each other with battery and button respectively, is used to generate dynamic password, and display screen links to each other with the dynamic password controller.
Further, display screen is an electronic-paper display screen.
Further, the dynamic password controller links to each other with the financial IC card module.
Further, battery is a rechargeable battery.
Further, the financial IC card module links to each other with rechargeable battery.
With respect to prior art, the invention has the beneficial effects as follows:
1, the present invention is integrated together in functions such as electronics display card, financial IC card and dynamic cipher device in the same card, has to be convenient for carrying, to avoid to lose, avoid stolen and avoid scrambler and advantage such as debit card mistake pairing.
2, the present invention is not subjected to the restriction of specific USB interface and driver, can use on any PC, uses more convenient.
3, the present invention uses the financial IC card module that existing safety certification is crossed, can change soft, the hardware system of existing bank, just directly be connected to user's bank account safely, this can provide safer, value-added service more easily to the user simultaneously under the operation costs that do not increase bank.
4, the present invention can adopt electronic-paper display screen to show dynamic password and account balance information, can increase the service time of battery greatly, the term of life that prolongs multi-functional financial IC visible card.
5, the present invention can adopt rechargeable battery to come to be the power supply of dynamic password module, and can in Card Reader, utilize financial IC card module or antenna to charge for rechargeable battery, effectively improve the service efficiency of battery, and prolonged the term of life of multi-functional financial IC visible card.
Description of drawings
Fig. 1 is first kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 2 is second kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 3 is multi-functional financial the third example structure of the IC visible card figure of the present invention;
Fig. 4 is the 4th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 5 is the 5th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 6 is the 6th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 7 is the 7th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 8 is the 8th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Fig. 9 is the 9th kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 10 is the tenth kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 11 is the 11 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 12 is the 12 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 13 is the 13 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 14 is the 14 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 15 is the 15 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 16 is the 16 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 17 is the 17 kind of example structure figure of the multi-functional financial IC visible card of the present invention;
Figure 18 is the 18 kind of example structure figure of the multi-functional financial IC visible card of the present invention.
Embodiment
Below in conjunction with accompanying drawing, specify the present invention.
Embodiment one
See also Fig. 1, include financial IC card module 1, dynamic password module 2, battery 3 and button 4 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, and dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively.
Financial IC card module 1 of the present invention is used to carry out the required debit card functionality of bank, and it is to be formed by specific smart card controller Chip Packaging, and needs by special financial security authentication and test.Dynamic password module 2 usefulness generate and show dynamic password, and it equally will be through financial security authentication and test, and dynamic password controller 5 is used for producing dynamic password, and display screen 6 is used for showing dynamic password.
The financial IC card that the multi-functional financial IC visible card of present embodiment is a contact, the communication that it is external is by being connected to the metallic contact 11 on the financial IC card module 1, directly is connected with the electronics read-write contact of card reader, so just can be mutually to biography or access information.It should be noted that, under the actual conditions, metallic contact 11 often with financial IC card module 1 integration and making together, the present invention is for the ease of distinguishing financial IC card and outside several communication modes intuitively from diagram, so metallic contact 11 and financial IC card module 1 is described separately, explain this spy.
The user takes out multi-functional financial IC visible card, as long as press button 4, dynamic password module 2 just can produce dynamic password automatically, and is presented on the display screen 6, uses for the people.Therefore, the multi-functional financial IC visible card of present embodiment is easy to carry, need not cooperate dynamic cipher device or numerical digit authenticator to use, can avoid matching mistakenly financial IC card and corresponding dynamic cipher device or numerical digit authenticator, and not be used in PC and go up install driver, on any PC, all can use.
Embodiment two
See also Fig. 2, include financial IC card module 1, dynamic password module 2, battery 3, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively, and antenna 8 links to each other with financial IC card module 1.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with antenna 8 and substituted metal contact 11, thereby be contactless financial IC card.The communication that it is external is the wireless receiving and dispatching circuit by its financial IC card module 1 chips, by the antenna on the card 8, is connected with wireless receiving and dispatching machine circuit on the card reader indirectly, so just can be mutually to passing or access information.
Embodiment three
See also Fig. 3, include financial IC card module 1, dynamic password module 2, battery 3, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively, and metallic contact 11 all links to each other with financial IC card module 1 with antenna 8.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.
Embodiment four
See also Fig. 4, include financial IC card module 1, dynamic password module 2, battery 3, button 4 and metallic contact 11 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, and metallic contact 11 links to each other with financial IC card module 1.
The financial IC card similar with embodiment one, that the multi-functional financial IC visible card of present embodiment is a contact, it also can produce dynamic password automatically, and has and use and carry all advantage very easily.
In addition, electronic-paper display screen is a kind of display screen of ultra-thin, ultralight, and it has following feature: very power saving when use (1) even under the situation of outage, also can keep showing for a long time; (2) content can rewrite.Can rewrite, upgrade literal or image arbitrarily; (3) being fit to naked eyes reads.Because contrast is higher, thus literal, clear picture, and see all from which direction and not change, read comfortable; (4) portability.Because of film weight is light, be convenient for carrying, can appropriateness fold, curl.Therefore the multi-functional financial IC visible card of present embodiment is outside having possessed the function described in the embodiment one, owing to adopt electronic-paper display screen 9 to show dynamic password, with respect to general display screen (as LED etc.), can increase the service time of battery 3 greatly, the term of life that prolongs financial IC visible card.
Embodiment five
See also Fig. 5, include financial IC card module 1, dynamic password module 2, battery 3, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, and antenna 8 links to each other with financial IC card module 1.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, this multi-functional financial IC visible card is contactless financial IC card, and it can pass with card reader indirectly mutually by antenna 8, access information.And,, can increase the service time of battery 3 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.) because present embodiment adopts electronic-paper display screen 9 to show dynamic password.
Embodiment six
See also Fig. 6, include financial IC card module 1, dynamic password module 2, battery 3, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, and metallic contact 11 all links to each other with financial IC card module 1 with antenna 8.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.And,, can increase the service time of battery 3 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.) because present embodiment adopts electronic-paper display screen 9 to show dynamic password.
Embodiment seven
See also Fig. 7, include financial IC card module 1, dynamic password module 2, battery 3 and button 4 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively, and financial IC card module 1 links to each other with dynamic password controller 5.
The financial IC card similar with embodiment one, that the multi-functional financial IC visible card of present embodiment is a contact, it also can produce dynamic password automatically, and has and use and carry all advantage very easily.When it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing, and Sorry, your ticket has not enough value when having avoided consumption and the embarrassment that causes.
Embodiment eight
See also Fig. 8, include financial IC card module 1, dynamic password module 2, battery 3, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively, financial IC card module 1 links to each other with dynamic password controller 5, and antenna 8 links to each other with financial IC card module 1.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, this multi-functional financial IC visible card is contactless financial IC card, and it can pass with card reader indirectly mutually by antenna 8, access information.And when it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing.
Embodiment nine
See also Fig. 9, include financial IC card module 1, dynamic password module 2, battery 3, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with battery 3, button 4 and display screen 6 respectively, financial IC card module 1 links to each other with dynamic password controller 5, and metallic contact 11 all links to each other with financial IC card module 1 with antenna 8.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.And when it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing.
Embodiment ten
See also Figure 10, include financial IC card module 1, dynamic password module 2, battery 3 and button 4 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, and financial IC card module 1 links to each other with dynamic password controller 5.
The financial IC card similar with embodiment one, that the multi-functional financial IC visible card of present embodiment is a contact, it also can produce dynamic password automatically, and has and use and carry all advantage very easily.When it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.And because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
In addition, because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of battery 3 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).
See also Figure 11, include financial IC card module 1, dynamic password module 2, battery 3, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, financial IC card module 1 links to each other with dynamic password controller 5, and antenna 8 links to each other with financial IC card module 1.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, this multi-functional financial IC visible card is contactless financial IC card, and it can pass with card reader indirectly mutually by antenna 8, access information.
Because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of battery 3 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).
And when it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.And because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
Embodiment 12
See also Figure 12, include financial IC card module 1, dynamic password module 2, battery 3, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with battery 3, button 4 and electronic-paper display screen 9 respectively, financial IC card module 1 links to each other with dynamic password controller 5, and metallic contact 11 all links to each other with financial IC card module 1 with antenna 8.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.
When multi-functional financial IC visible card reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.
Because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of battery 3 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).And because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
Embodiment 13
See also Figure 13, include financial IC card module 1, dynamic password module 2, rechargeable battery 7 and button 4 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and display screen 6 respectively, and financial IC card module 1 links to each other with dynamic password controller 5 and rechargeable battery 7 respectively.
The financial IC card similar with embodiment one, that the multi-functional financial IC visible card of present embodiment is a contact, it also can produce dynamic password automatically, and has and use and carry all advantage very easily.When it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Embodiment 14
See also Figure 14, include financial IC card module 1, dynamic password module 2, rechargeable battery 7, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and display screen 6 respectively, and financial IC card module 1 links to each other with dynamic password controller 5, rechargeable battery 7 and antenna 8 respectively.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, this multi-functional financial IC visible card is contactless financial IC card, and it can pass with card reader indirectly mutually by antenna 8, access information.
When multi-functional financial IC visible card reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Embodiment 15
See also Figure 15, include financial IC card module 1, dynamic password module 2, rechargeable battery 7, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and display screen 6 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and display screen 6 respectively, and financial IC card module 1 links to each other with dynamic password controller 5, rechargeable battery 7, antenna 8 and metallic contact 11 respectively.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.
When multi-functional financial IC visible card reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the display screen 6, like this user can be timely balance amount information in the unfreezing.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Embodiment 16
See also Figure 16, include financial IC card module 1, dynamic password module 2, rechargeable battery 7 and button 4 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and electronic-paper display screen 9 respectively, and financial IC card module 1 links to each other with rechargeable battery 7 with dynamic password controller 5 respectively.
The financial IC card similar with embodiment one, that the multi-functional financial IC visible card of present embodiment is a contact, it also can produce dynamic password automatically, and has and use and carry all advantage very easily.
When it reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.Because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of rechargeable battery 7 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).
Embodiment 17
See also Figure 17, include financial IC card module 1, dynamic password module 2, rechargeable battery 7, button 4 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and electronic-paper display screen 9 respectively, and financial IC card module 1 links to each other with dynamic password controller 5, rechargeable battery 7 and antenna 8 respectively.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, this multi-functional financial IC visible card is contactless financial IC card, and it can pass with card reader indirectly mutually by antenna 8, access information.
When the multi-functional financial IC visible card of present embodiment reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.Because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of rechargeable battery 7 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).
Embodiment 18
See also Figure 18, include financial IC card module 1, dynamic password module 2, rechargeable battery 7, button 4, metallic contact 11 and antenna 8 on the multi-functional financial IC visible card of present embodiment, wherein dynamic password module 2 comprises dynamic password controller 5 and electronic-paper display screen 9 again, dynamic password controller 5 links to each other with rechargeable battery 7, button 4 and electronic-paper display screen 9 respectively, and financial IC card module 1 links to each other with dynamic password controller 5, rechargeable battery 7, antenna 8 and metallic contact 11 respectively.
Similar with embodiment one, the multi-functional financial IC visible card of present embodiment also can produce dynamic password automatically, and has and use and carry all advantage very easily.In addition, because it is provided with metallic contact 11 and antenna 8 simultaneously, be a kind of double mode financial IC card (having contact and contactless concurrently), thereby can be, adopt that direct or indirect arbitrary mode and card reader pass mutually, access information according to the equipment needs.
When the multi-functional financial IC visible card of present embodiment reads through card reader (as deposit machine or cash dispenser or POS machine etc.) and refreshes information, financial IC card module 1 can be given dynamic password controller 5 with the information transmission of account balance, and the remaining sum of account is presented on the electronic-paper display screen 9, like this user can be timely balance amount information in the unfreezing.Because the energy conservation characteristic of electronic-paper display screen 9, even still can preserve for a long time after the outage and continue to show this information, the user knows the interior balance amount information of card at any time like this.
Simultaneously, dynamic password controller 5 can take out charging current from financial IC card module 1, take this opportunity to cover the electric weight that it is used up to rechargeable battery 7 chargings, with the service time of prolongation rechargeable battery 7, thus the term of life that can prolong multi-functional financial IC visible card.Certainly the user also can use the charger of providing for oneself to charge at any time, to replenish the electric weight of battery storage.
Because present embodiment adopts electronic-paper display screen 9 to show dynamic password,, can increase the service time of rechargeable battery 7 greatly, the term of life that prolongs multi-functional financial IC visible card with respect to general display screen (as LED etc.).
The present invention is integrated together in functions such as electronics display card, financial IC card and dynamic cipher device in the same card, has to be convenient for carrying, to avoid to lose, avoid stolen and avoid advantage such as scrambler territory debit card mistake pairing.Be not subjected to simultaneously the restriction of specific USB interface and driver, can on any PC, use, use more convenient.And, the financial IC card module that the present invention uses existing safety certification to cross, can change soft, the hardware system of existing bank, just directly be connected to user's bank account safely, this can provide safer, value-added service more easily to the user simultaneously under the operation costs that do not increase bank.
More than disclosed only be several specific embodiment of the present invention, but the present invention is not limited thereto, any those skilled in the art can think variation, only otherwise exceed the described scope of appended claims, all should drop in protection scope of the present invention.
Claims (6)
1. a multi-functional financial IC visible card is characterized in that, comprising:
One financial IC card module is used to carry out the required debit card functionality of bank, and it is by a metallic contact and/or an antenna and PERCOM peripheral communication;
One dynamic password module is used for generating and showing a dynamic password, and it links to each other with a battery and a button respectively, and wherein, this dynamic password module further comprises again:
One dynamic password controller links to each other with this battery and this button respectively, is used to generate this dynamic password;
One display screen links to each other with this dynamic password controller.
2. multi-functional financial IC visible card as claimed in claim 1 is characterized in that this dynamic password controller links to each other with this financial IC card module.
3. multi-functional financial IC visible card as claimed in claim 1 is characterized in that this display screen is an electronic-paper display screen.
4. multi-functional financial IC visible card as claimed in claim 3 is characterized in that this dynamic password controller links to each other with this financial IC card module.
5. as each described multi-functional financial IC visible card of claim 1～4, it is characterized in that this battery is a rechargeable battery.
6. multi-functional financial IC visible card as claimed in claim 5 is characterized in that this financial IC card module links to each other with this rechargeable battery.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011101886162A CN102298718A (en) | 2011-07-07 | 2011-07-07 | Multifunctional financial IC (Integrated Circuit) visible card |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011101886162A CN102298718A (en) | 2011-07-07 | 2011-07-07 | Multifunctional financial IC (Integrated Circuit) visible card |
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| CN102298718A true CN102298718A (en) | 2011-12-28 |
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| CN2011101886162A Pending CN102298718A (en) | 2011-07-07 | 2011-07-07 | Multifunctional financial IC (Integrated Circuit) visible card |
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