CN103914724A - ATM card and operating method thereof - Google Patents
ATM card and operating method thereof Download PDFInfo
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- CN103914724A CN103914724A CN201410093343.7A CN201410093343A CN103914724A CN 103914724 A CN103914724 A CN 103914724A CN 201410093343 A CN201410093343 A CN 201410093343A CN 103914724 A CN103914724 A CN 103914724A
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- fiscard
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Abstract
The invention discloses an ATM card and an operating method thereof. The ATM card comprises a storage unit, a displaying unit, a selecting unit, a wireless transceiving unit and a processing unit. The storage unit is used for storing a plurality of accounts. The displaying unit is used for displaying the accounts. The selecting unit is used for enabling a user to select one account from the accounts. The wireless transceiving unit is used for wirelessly receiving account information in a point-to-point mode and sending the selected information. The processing unit is used for processing the account information received by the wireless transceiving unit so that the processed account information can be stored in the storage unit. The account information read from the storage unit is displayed through the displaying unit. The selected information is received from the selecting unit and is processed to be sent by the wireless transceiving unit. When operating the ATM card, the user can select the appropriate account in advance, and the selected information is wirelessly transmitted to a forwarding device in a point-to-point mode and sent to a server through the forwarding device so that the server can carry out clearing operation according to the selected information. The ATM card is used by the user conveniently and is low in cost and easy to implement.
Description
Technical field
The present invention relates to fiscard, relate in particular to a kind of fiscard and method of operating thereof that can integrated many accounts.
Background technology
Along with social development and progress, individual has multiple bank cards conventionally, and especially credit card is brushed different bank card for the preferential measure of different bank to facilitate when the amusement purchase and consumption.For example, can brush the credit card of a bank and enjoy discount when individual sees a film, the credit card of brushing another bank while drinking coffee can obtain preferential, and in the time of the shopping of certain department store, needs to brush another credit card.Therefore, in individual's wallet, conventionally obtained bulging by various banks jam.And present various financial institutions often combine again the various joint name cards of release with each airline, each large supermarket etc.The card that these emerge in an endless stream, bring people preferential in, also increased the burden that people carry.And when consumption in a pile card, find corresponding discount card also negative effect consumer's consumption mood.
Therefore, how to overcome above-mentioned shortcoming and become problem urgently to be resolved hurrily at present.
Summary of the invention
The present invention discloses a kind of fiscard.This fiscard comprises: for storing multiple accounts' storage unit; For showing the plurality of account's display unit; For select an account selected cell from the plurality of account information for user; Be used for point-to-point wireless receiving account information and send the wireless transmit/receive units of this selection information; And processing unit, the accounts information receiving for the treatment of this wireless transmit/receive units is for this cell stores, read the plurality of accounts information from this storage unit and show for this display unit, and this selected cell receives this selection information and processes this selection information for this wireless transmit/receive units transmission certainly.
The present invention also discloses a kind of method of operating of fiscard, comprising: select account; This selection information of point-to-point wireless transmission is to retransmission unit, to be sent to server via this retransmission unit; And this server carries out settlement operations according to this selection information.
Therefore, fiscard of the present invention allows user to select in advance the retransmission unit of suitable account for example mobile phone of this selection information to one of point-to-point wireless transmission, and transfer to server via this retransmission unit, thereby make server carry out settlement operations according to this selection information.The present invention facilitates user to select applicable account to pay, and has advantages of with low cost, easy to implement simultaneously.
Brief description of the drawings
Fig. 1 shows the block schematic diagram of fiscard of the present invention.
Fig. 2 shows the schematic appearance of the fiscard of one embodiment of the invention.
Fig. 3 shows the enforcement configuration diagram that many accounts is integrated in to a fiscard.
Fig. 4 shows the application architecture schematic diagram of fiscard of the present invention.
Fig. 5 shows the operating process schematic diagram of fiscard of the present invention.
Embodiment
Below by particular specific embodiment explanation embodiments of the present invention.Those skilled in the art can understand other advantages of the present invention and effect easily by content disclosed in the present specification.
Fig. 1 shows the block schematic diagram of fiscard of the present invention.As shown in Figure 1, fiscard of the present invention comprises processing unit 10, storage unit 11, display unit 12, selected cell 13 and wireless transmit/receive units 14.
In the time that user for example has multiple bank card, the relevant information of its multiple bank card accounts, such as credit card issuer, symbolization of accounts, magnetic strip information etc. can receive also treated unit 10 by wireless transmit/receive units 14 and be stored in storage unit 11 after processing.The plurality of account information being stored in this storage unit 11 can be read to be shown on display unit 12 by processing unit 10.But it should be noted that, although embodiments of the invention are described as an example of bank card example herein, should understand, fiscard of the present invention also can be stored the relevant information of other various Payment Cards, other payment accounts, and is not only limited to bank card.In the time that user uses this fiscard consumption, the account information shown according to display unit 12, user can utilize selected cell 13, and a for example button is selected suitable account from the plurality of account.Processing unit 10 receives this selection information and processes after this selection information from this selected cell 13, by wireless transmit/receive units 14, this selection information is sent to server and carries out operation acknowledgement.
Fig. 2 shows the schematic appearance of the fiscard of one embodiment of the invention.As shown in Figure 2, this fiscard can comprise the viewing area 21 for showing account information, paper substrate signature district 23, the magnetic stripe 24 etc. of selecting suitable account's options button 22, signing for user for user.But it should be noted in the discussion above that the present invention is not limited to the schematic appearance here.This schematic diagram is only illustrative.For example, this fiscard also can further comprise the information such as mechanism's mark, numbering of providing this fiscard.
Fig. 3 shows the enforcement configuration diagram that many accounts is integrated in to a fiscard.As shown in Figure 3, this enforcement framework comprises fiscard 31, information collecting device 32, server 33 and wireless network 34.In the time that user wishes for example multiple bank cards to be integrated in to a fiscard 31, available information harvester 32 gathers the information of these multiple bank cards.This information collecting device 32 for example can be mobile phone and card reader, to gather credit card issuer information, account's coded message and the magnetic strip information etc. of corresponding bank card.Subsequently, this information collecting device 32 can see through wireless network 34, for example 3G network, institute's Information Monitoring is sent to server 33 and does integrated confirmation, see through point-to-point wireless connections, for example bluetooth or WiFi, be sent to fiscard 31 by those account informations and store simultaneously.
Fig. 4 shows the application architecture schematic diagram of fiscard of the present invention.As shown in Figure 4, the application architecture of fiscard of the present invention comprises fiscard 41, retransmission unit 42, server 43, end device 46 and wireless network 44,45.Retransmission unit 42 for example can be mobile phone, and it sees through point-to-point wireless connections mode, and for example bluetooth or WiFi connect this fiscard 41 to receive user's selection information, and through network 44, this selection information be sent to server 43.End device 46 for example can be Pos machine, for brushing fiscard for user, and communicates by letter with server 43 through network 45, to complete delivery operation.In the present embodiment, network 44 can be for example 3G network, and network 45 can be for example wired or wireless internet.
Fig. 5 shows the operating process schematic diagram of fiscard of the present invention.As shown in Figure 5, first, at step S11, for concrete businessman, user sees through the selected cell 13 of fiscard and selects suitable account.Then,, at step S12, be wirelessly transmitted to retransmission unit 42 by point-to-point this selection information, thereby be sent to server 43 via network 44.Then,, in step S13, when user carries out when operation of swiping the card of fiscard on end device 46, server 43 carries out corresponding settlement operations according to this selection information.
In sum, the present invention can utilize the equipment such as existing mobile phone and card reader to gather easily multiple account informations of user as information collecting device, and transmitting it to server end, to carry out account integrated and store in fiscard of the present invention.In the time of customer consumption, can on this fiscard, select for concrete businessman suitable account.This selection information is forwarded to server end via retransmission units such as such as mobile phones.Like this, in the time that user swipes the card operation to this fiscard on Pos machine for example, server end can carry out corresponding settlement operations according to user-selected account.Because fiscard of the present invention can utilize existing communication construction, therefore have advantages of with low cost, easy to implement.Meanwhile, multiple accounts being integrated in to a card has saved user and carries the trouble of various bank cards, Payment Card and be conducive to promote bankcard consumption.
Above-described embodiment is only exemplary in nature, and unrestricted the present invention.Those skilled in the art can without departing from the spirit and scope of the present invention, carry out various modifications and changes to above-described embodiment.
Claims (9)
1. a fiscard, is characterized in that, comprising:
Storage unit, for storing multiple accounts;
Display unit, for showing the plurality of account;
Selected cell, for selecting an account for user from the plurality of account;
Wireless transmit/receive units, for point-to-point wireless receiving account information and send this selection information; And
Processing unit, the accounts information receiving for the treatment of this wireless transmit/receive units is for this cell stores, read the plurality of accounts information from this storage unit and show for this display unit, and this selected cell receives this selection information and processes this selection information for this wireless transmit/receive units transmission certainly.
2. fiscard as claimed in claim 1, is characterized in that, this point-to-point wireless receiving and send mode are bluetooth or WiFi.
3. fiscard as claimed in claim 1, is characterized in that, the plurality of account information is by an information collecting device collection point-to-point this wireless transmit/receive units that is wirelessly transmitted to.
4. fiscard as claimed in claim 3, is characterized in that, this information collecting device is mobile phone and card reader.
5. fiscard as claimed in claim 1, is characterized in that, this wireless transmit/receive units is by point-to-point this selection information retransmission unit that is wirelessly transmitted to, to be sent to server via this retransmission unit.
6. fiscard as claimed in claim 5, is characterized in that, this retransmission unit is mobile phone.
7. a method of operating for fiscard, is characterized in that, comprising:
Select account;
This selection information of point-to-point wireless transmission is to retransmission unit, to be sent to server via this retransmission unit; And
This server carries out settlement operations according to this selection information.
8. method as claimed in claim 7, is characterized in that, this point-to-point wireless transmission method is bluetooth or WiFi.
9. method as claimed in claim 7, is characterized in that, this retransmission unit is mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410093343.7A CN103914724A (en) | 2014-03-03 | 2014-03-03 | ATM card and operating method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410093343.7A CN103914724A (en) | 2014-03-03 | 2014-03-03 | ATM card and operating method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103914724A true CN103914724A (en) | 2014-07-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410093343.7A Pending CN103914724A (en) | 2014-03-03 | 2014-03-03 | ATM card and operating method thereof |
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| CN (1) | CN103914724A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450507A (en) * | 2021-06-11 | 2021-09-28 | 石家庄新奥能源发展有限公司 | Payment method based on multifunctional card, multifunctional card and system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070229265A1 (en) * | 2006-01-18 | 2007-10-04 | Hitachi, Ltd. | Wireless signal receiver |
| CN101730907A (en) * | 2006-11-22 | 2010-06-09 | 马克·A·库克斯 | Point0f sale transaction device with magnetic stripe emulator and biometric authentication |
| CN101819702A (en) * | 2009-02-27 | 2010-09-01 | 中华电信股份有限公司 | Transaction system and method taking mobile telephone as mobile card reader |
-
2014
- 2014-03-03 CN CN201410093343.7A patent/CN103914724A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070229265A1 (en) * | 2006-01-18 | 2007-10-04 | Hitachi, Ltd. | Wireless signal receiver |
| CN101730907A (en) * | 2006-11-22 | 2010-06-09 | 马克·A·库克斯 | Point0f sale transaction device with magnetic stripe emulator and biometric authentication |
| CN101819702A (en) * | 2009-02-27 | 2010-09-01 | 中华电信股份有限公司 | Transaction system and method taking mobile telephone as mobile card reader |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113450507A (en) * | 2021-06-11 | 2021-09-28 | 石家庄新奥能源发展有限公司 | Payment method based on multifunctional card, multifunctional card and system |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| ASS | Succession or assignment of patent right |
Owner name: SHANGHAI MACROGIGA ELECTRONICS CO., LTD. Free format text: FORMER OWNER: XU GANG Effective date: 20150330 |
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| COR | Change of bibliographic data |
Free format text: CORRECT: ADDRESS; FROM: 200123 PUDONG NEW AREA, SHANGHAI TO: 201203 PUDONG NEW AREA, SHANGHAI |
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| TA01 | Transfer of patent application right |
Effective date of registration: 20150330 Address after: 201203 Shanghai city Pudong New Area Zuchongzhi Road No. 2305 B room 808 Applicant after: SHANGHAI MACROGIGA ELECTRONICS CO., LTD. Address before: 2878, 200123, Gaoqing Road, Pudong New Area, Shanghai 60-1002 Applicant before: Xu Gang |
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| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20140709 |