CN102385713A

CN102385713A - Chip bank card and mobile phone utilizing same

Info

Publication number: CN102385713A
Application number: CN2010102693730A
Authority: CN
Inventors: 林德峰
Original assignee: Shenzhen Futaihong Precision Industry Co Ltd; Chi Mei Communication Systems Inc
Current assignee: Shenzhen Futaihong Precision Industry Co Ltd; Chi Mei Communication Systems Inc
Priority date: 2010-09-01
Filing date: 2010-09-01
Publication date: 2012-03-21
Anticipated expiration: 2030-09-01
Also published as: CN102385713B

Abstract

The invention provides a chip bank card, which comprises a body and a chip body capable of being assembled on the body separately. The chip body is provided with a chip which is capable of recording account information of the chip bank card, and when the chip body is assembled on the body, the chip bank card can be used in an automatic teller machine. When the chip body is separated from the body, the chip body can be assembled on a mobile phone and used on the mobile phone. The invention further provides the mobile phone utilizing the chip bank card.

Description

Chip bank card and use its mobile phone

Technical field

The present invention relates to a kind of chip bank card and use its mobile phone.

Background technology

Traditional bank card has magnetic stripe card, chip card (comprising smart card and IC-card) and has the composite card of magnetic stripe and intelligent chip concurrently, and the outward appearance of these bank cards generally is rectangular plastic cards.At present, chip card and composite card replace the conventional magnetic card just gradually, because chip card and composite card have higher security compared to magnetic stripe card.And chip card and composite card not only have all financial functions of common magnetic stripe card, also possess the electronic cash account, support the off line small amount payment, can use the noncontact interface, realize functions such as rapid payment that i.e. brush is promptly walked and smart card mobile phone paying.

Bank card mobile phone paying business is to be the payment account carrier with the financial smart card in the mobile phone; With the mobile phone is the innovation modes of payments of payment information processing terminal; Promptly by wireless communication network, realize credit card refund, transfer accounts supplement with money, remote payment functions such as the water power coal is paid the fees, shopping online, reserving hotel and air ticket.

Existing bank card mobile phone paying pattern has safe digital card (Secure DigitalMemory Card; The SD card) pattern and double nip pattern; The SD mode card is that the expansion slot through mobile phone reloads a storage card; The general user can store contents such as a large amount of MP3, picture on this SD card, and memory card capacity is limited, can have influence on the performance of mobile phone paying product function like this.The double nip pattern then need be implanted communication and pay two functional areas on the mobile phone phonecard, need the user when handling bank card mobile phone paying function, to change original phonecard.And; Two kinds of above-mentioned patterns all can only be paid or transfer accounts function with mobile phone; Need special card reader carry out data write, and can't use ubiquitous ATM that bank card is carried out corresponding operating (as depositing, withdraw the money, transfer accounts and inquiry etc.).

Summary of the invention

To the problems referred to above, be necessary to provide a kind of can be in using the chip bank card that can on mobile phone, use again on the ATM.

Also be necessary to provide a kind of mobile phone that uses above-mentioned bank card.

A kind of chip bank card; Comprise that a main body and is assemblied in the chip body on this main body separably; Said chip body be provided with one record bank card account information chip, when said chip body was assemblied in said main body, said chip bank card can use on ATM; After said chip body was located away from said main body, said chip body can be installed on the mobile phone and can on this mobile phone, use.

A kind of mobile phone that uses like above-mentioned chip bank card, said mobile phone comprises a body, an interface and a Card Reader chip, said chip body is installed in this interface and with this Card Reader chip and sets up electric connection.

Described chip bank card is installed on this main body through the chip body that will be provided with chip separably, thereby makes said chip bank card on existing ATM, to use, and also can carry out mobile phone paying, has good versatility and convenience.

Description of drawings

Fig. 1 is the stereographic map of preferred embodiments chip bank card of the present invention.

Fig. 2 is the card body of chip bank card shown in Figure 1 and synoptic diagram after chip body separates.

Fig. 3 is the wiring layout of preferred embodiments mobile phone of the present invention and chip body shown in Figure 2.

The main element symbol description

Chip bank card 10

Main body 11

Fitting recess 111

Diapire 1111

Sidewall 1113

Raised line 1115

Draw-in groove 1117

Catch 113

Receiving space 115

Chip body 13

Chip 131

Holding parts 133

Groove 1331

Fixture block 1333

Mobile phone 20

Body 21

Slide block 23

Embodiment

See also Fig. 1, the chip bank card 10 of preferred embodiments of the present invention comprises that a main body 11 and is assemblied in the chip body 13 on this main body 11 separably.When said chip body 13 is assemblied in 11 last times of said main body, said chip bank card 10 can use on existing ATM; After said chip body 13 was located away from said main body 11, said chip body 13 can be installed on the mobile phone 20 and through the mobile phone operation of paying.

See also Fig. 2, said main body 11 rectangular flat card shapes, the one of which end is arranged with a fitting recess 111.Said fitting recess 111 shapes and size are roughly suitable with said chip body 13, are used to assemble said chip body 13.Said fitting recess 111 is surrounded by a diapire 1111 and two sidewalls 1113 of being located at these diapire 1111 relative both sides.Said diapire 1111 convexes with at least one raised line 1115 at interval, and in this preferred embodiments, the quantity of said raised line 1115 is two.Said raised line 1115 is in order to fixing said chip body 13.Each said sidewall 1113 is provided with a draw-in groove 1117, and this draw-in groove 1117 is in order to hold with said chip body 13.Said main body 11 also comprises a catch 113 that is arranged on the said raised line 1115, thereby between said diapire 1111 and said catch 113, forms a receiving space 115.Said receiving space 115 is used for fixing said chip body 13.

The one side of said chip body 13 be pasted with one record said chip bank card 10 accounts informations chip 131.One end of this chip body 13 convexes with a holding parts 133, is used for said chip body 13 is immobilizated in said main body 11.Said holding parts 133 is sticked in the receiving space 115.Said holding parts 133 end faces are concaved with and the suitable groove 1331 of said raised line 1115 quantity at interval.Two corners of said holding parts 133 also convex with a fixture block 1333 respectively.Each said groove 1331 accommodate liftedly a said raised line 1115 in it and each said fixture block 1333 and a said draw-in groove 1117 hold each other separably, thereby holding parts 133 is sticked in the receiving space 115 liftedly.

See also Fig. 3, the mobile phone 20 of preferred embodiments of the present invention comprises that a body 21, an interface and are installed in the Card Reader chip (figure does not show) in this body 21.Said interface is used to install said chip body 13.In this preferred embodiments, said interface is one to be located at the slide block 23 of this body 21 slidably.Slip into the body 21 of this mobile phone 20 when this slide block 23 after; Chip 131 on the said chip body 13 promptly with said body 21 in the Card Reader chips set up and electrically connect, so the corresponding bank card account of this chip 131 can be through the operation such as pay of this mobile phone 20.

Described chip bank card 10 is installed on this main body 11 through the chip body 13 that will be provided with chip 131 separably; Thereby make said chip bank card 10 on existing ATM, to use; Also can be carried out on the mobile phone and use, have good versatility and convenience.

In addition, those skilled in the art also can make various modifications, interpolation and the replacement on other forms and the details in claim of the present invention scope of disclosure and spirit.Certainly, these all should be included within the present invention's scope required for protection according to the variations such as various modifications, interpolation and replacement that the present invention's spirit is made.

Claims

1. chip bank card; Comprise that a main body and is assemblied in the chip body on this main body separably; Said chip body be provided with one record bank card account information chip, when said chip body was assemblied in said main body, said chip bank card can use on ATM; After said chip body was located away from said main body, said chip body can be installed on the mobile phone and can on this mobile phone, use.

2. chip bank card as claimed in claim 1; It is characterized in that: comprise a diapire in the said fitting recess; Convex with at least one raised line on this diapire, the end of said holding parts is concaved with and the suitable groove of said raised line quantity, and each said raised line is placed in the said groove liftedly.

3. chip bank card as claimed in claim 2; It is characterized in that: comprise a diapire in the said fitting recess; Convex with at least one raised line on this diapire, the end of said holding parts is concaved with and the suitable groove of said raised line quantity, and each said raised line is placed in the said groove liftedly.

4. chip bank card as claimed in claim 3 is characterized in that: said main body also comprises a catch that is arranged on the said raised line, thereby between said diapire and said catch, forms a receiving space, and said holding parts is sticked in the receiving space.

5. chip bank card as claimed in claim 2; It is characterized in that: said fitting recess comprises two sidewalls that are oppositely arranged; The end of each sidewall is concaved with a draw-in groove, and two corners of said holding parts convex with a fixture block respectively, and each a said fixture block and a said draw-in groove hold separably each other.

6. mobile phone that uses chip bank card as claimed in claim 1; Said mobile phone comprises a body; It is characterized in that: said mobile phone also comprises an interface and a Card Reader chip, and said chip body is installed in this interface and with this Card Reader chip and sets up electric connection.

7. mobile phone as claimed in claim 6 is characterized in that: said interface is one to be installed in the slide block of this body slidably.