CN104899738A - Identity card payment and fund storage system and method - Google Patents
Identity card payment and fund storage system and method Download PDFInfo
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- CN104899738A CN104899738A CN201510215479.5A CN201510215479A CN104899738A CN 104899738 A CN104899738 A CN 104899738A CN 201510215479 A CN201510215479 A CN 201510215479A CN 104899738 A CN104899738 A CN 104899738A
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- identity card
- payment
- identification
- intelligent terminal
- pays
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- 238000000034 method Methods 0.000 title claims abstract description 17
- 230000002457 bidirectional effect Effects 0.000 claims abstract description 8
- 238000012795 verification Methods 0.000 claims abstract description 5
- 238000012546 transfer Methods 0.000 claims description 5
- 230000001815 facial effect Effects 0.000 claims description 4
- 210000003462 vein Anatomy 0.000 claims description 4
- 238000005516 engineering process Methods 0.000 description 6
- 238000013461 design Methods 0.000 description 3
- 238000004891 communication Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
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Abstract
The present invention relates to an identity card payment and fund storage system and method based on a near field payment storage fund and identity card verification. The identity card payment and fund storage system consists of three parts including an storage reading and writing function identity card, identity card identification payment intelligent terminal equipment, and a background server; the storage reading and writing function identity card and the identity card identification payment intelligent terminal equipment are subjected to bidirectional data exchange, and the identity card identification payment intelligent terminal equipment and the background server are subjected to bidirectional data exchange. The identity card payment and fund storage system and method have the advantages that first, the system and method achieve financial payment between the identity card for a user and a financial institution; second, an identification number is cancelled after the identity card is lost and is reported for loss, the storage account of the background server is converted to the identification number of the new identity card, the number before the loss report is recorded simultaneously, the old identity card loses the action capability of the financial business; alerting or direct alarm can be automatically carried out when an illegal person uses.
Description
Technical field
The present invention relates to a kind of the I.D. payment storage funds systems and the method that pay storage fund and identity card checking based near field, belong to smart identity checking and manufacture field with payment system.
Background technology
Current band store and near-field communication function I.D. as Chinese citizen unique, the identification of most authority proves, he has usability, social recognition widely.I.D. mainly adopts digital anti-counterfeiting and antiforge technology.It can prevent the information of resident individual from being copied by people and faking, and is used to record product and prevents product from being brought imitation and the legal proof of reaping staggering profits by illegal businessman.
Summary of the invention
Purpose of design: avoid the weak point in background technology, a kind of I.D. payment storage funds systems and method paying storage fund (NFC) and identity card checking based near field of design.
Design proposal: the present invention is read by near field communication technology (NFC technique) and stores the information of People's Republic of China's resident identification card, and it is associated with bank server backstage, energy reading identity card NFC device is carried out the method for proof of identity, consumption and payment and banking.This method provides and verifies the real name of these financial institutions, ID (identity number) card information is associated with finance account simultaneously, makes the function that I.D. possesses payment, stores.The bank finance business functions such as the I.D. client holding finance account function is undertaken transferring accounts by band NFC function reading terminals, store, consumption, bank carries out backstage and carries out the functions such as identity veritification simultaneously.Adopt the method, can guarantee that the payment of resident on Mobile payment terminal can complete on the basis completing identity veritification and operate each time, ensure that the fund security of holder.Current I.D. is lost, even if made up, the I.D. lost is not canceled, lawless person can hold the I.D. be lost and carry out doing bank card and be engaged in financial crime activity, use this system user in bank, have ID (identity number) card information to back up, carry out nullifying the new identity document of application if be lost in bank, the I.D. of loss will carry out on bank backstage recording to give a warning handling any business.Near field pays product and comprises bar shaped/Quick Response Code payment, sound wave payment, Square and NFC product.Replacing the near field payment technology of bank card with I.D. as carrier will make the behavior of mobile payment more credible, makes the experience of payment more convenient, safe, efficiently, allows I.D. possess the function of bank card and stored value card, U shield.
Technical scheme 1: a kind of I.D. pays and stores funds systems, pays intelligent terminal by I.D., the I.D. identification storing read-write capability, background server three part forms; The I.D. and the I.D. identification that store read-write capability pay intelligent terminal bidirectional data exchange, and I.D. identification pays intelligent terminal and background server bidirectional data exchange.
Technical scheme 2: a kind of I.D. pays the method for storage fund, I.D. is opened finance account function with I.D. in financial institution by user, this identity information is gathered by the intelligent terminal of band I.D. recognition function by financial institution, undertaken opening by the unique identification number read to I.D. inside chip and I.D. is possessed transfer accounts, store, consumption function finance account, this identification number possesses uniqueness, when I.D. lose go to report the loss after this identification number will be canceled, background server data store the identifier that account converts new I.D. to, record the number before reporting the loss simultaneously, old I.D. will lose the mobility of financial business, can alarm even report to the police when others uses.
The present invention is compared with background technology, and one is achieve the financial settlement between user's I.D. and financial institution; Two be when I.D. lose go to report the loss after this identification number will be canceled, background server data store the identifier that account converts new I.D. to, record the number before reporting the loss simultaneously, old I.D. will lose the mobility of financial business, automatically can play alarm or directly report to the police when legal person does not use.
Accompanying drawing explanation
Fig. 1 is that I.D. pays the block diagram storing funds systems.
Embodiment
Embodiment 1: with reference to accompanying drawing 1.A kind of I.D. pays and stores funds systems, pays intelligent terminal, background server three part forms by I.D., the I.D. identification storing read-write capability; The I.D. and the I.D. identification that store read-write capability pay intelligent terminal bidirectional data exchange, and I.D. identification pays intelligent terminal and background server bidirectional data exchange.I.D. identification pays intelligent terminal and refers to the intelligent terminal with I.D. identification and payment function.
Embodiment 2: on the basis of embodiment 1, a kind of I.D. pays the method for storage fund, I.D. is opened finance account function with I.D. in financial institution by user, this identity information is gathered by the intelligent terminal of band I.D. recognition function by financial institution, undertaken opening by the unique identification number read to I.D. inside chip and I.D. is possessed transfer accounts, store, consumption function finance account, this identification number possesses uniqueness, when I.D. lose go to report the loss after this identification number will be canceled, background server data store the identifier that account converts new I.D. to, record the number before reporting the loss simultaneously, old I.D. will lose the mobility of financial business, can alarm even report to the police when others uses.User opens the I.D. of finance account function using, at the intelligent terminal possessing band I.D. recognition function, this identity information is read, read the information of finance account, and one or more carry out password confirming payment, transfer accounts by input password (fingerprint, facial image identification, vein personal recognition, the dynamic short message verification code of mobile phone, manually input password).Password refers to fingerprint, facial image identification, vein personal recognition, the dynamic short message verification code of mobile phone, manually inputs password.
It is to be understood that: although above-described embodiment to be contrasted detailed text description to mentality of designing of the present invention; but these text descriptions; just the simple text of mentality of designing of the present invention is described; instead of the restriction to mentality of designing of the present invention; any do not exceed mentality of designing of the present invention combination, increase or amendment, all fall within the scope of protection of the present invention.
Claims (5)
1. I.D. pays and stores a funds systems, it is characterized in that being made up of the I.D. storing read-write capability, I.D. identification payment intelligent terminal, background server three part; The I.D. and the I.D. identification that store read-write capability pay intelligent terminal bidirectional data exchange, and I.D. identification pays intelligent terminal and background server bidirectional data exchange.
2. I.D. according to claim 1 pays the method for storage fund, it is characterized in that: I.D. identification pays intelligent terminal and refers to the intelligent terminal with I.D. identification and payment function.
3. the method for an I.D. payment storage fund, it is characterized in that: I.D. is opened finance account function with I.D. in financial institution by user, this identity information is gathered by the intelligent terminal of band I.D. recognition function by financial institution, undertaken opening by the unique identification number read to I.D. inside chip and I.D. is possessed transfer accounts, store, consumption function finance account, this identification number possesses uniqueness, when I.D. lose go to report the loss after this identification number will be canceled, background server data store the identifier that account converts new I.D. to, record the number before reporting the loss simultaneously, old I.D. will lose the mobility of financial business, can alarm even report to the police when others uses.
4. I.D. according to claim 3 pays the method for storage fund, it is characterized in that: user opens the I.D. of finance account function using, at the intelligent terminal possessing band I.D. recognition function, this identity information is read, read the information of finance account, and one or more carry out password confirming payment, transfer accounts by input password (fingerprint, facial image identification, vein personal recognition, the dynamic short message verification code of mobile phone, manually input password).
5. I.D. according to claim 4 pays the method for storage fund, it is characterized in that: password refers to fingerprint, facial image identification, vein personal recognition, the dynamic short message verification code of mobile phone, manually inputs password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510215479.5A CN104899738A (en) | 2015-04-30 | 2015-04-30 | Identity card payment and fund storage system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510215479.5A CN104899738A (en) | 2015-04-30 | 2015-04-30 | Identity card payment and fund storage system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104899738A true CN104899738A (en) | 2015-09-09 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510215479.5A Pending CN104899738A (en) | 2015-04-30 | 2015-04-30 | Identity card payment and fund storage system and method |
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| CN (1) | CN104899738A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108876596A (en) * | 2018-06-20 | 2018-11-23 | 李子盈 | The Private Banking's account working method and terminal and system of identity-based card number |
| CN111127001A (en) * | 2019-12-26 | 2020-05-08 | 李军 | Method for loading financial function by identity card |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101699435A (en) * | 2009-11-06 | 2010-04-28 | 上海亚卡商贸有限公司 | Method for querying and authenticating second-generation ID card based on key information |
| CN103824012A (en) * | 2014-03-05 | 2014-05-28 | 许建华 | Radio frequency near field user identity recognition of intelligent mobile terminal |
| CN104574079A (en) * | 2015-01-21 | 2015-04-29 | 刘博旸 | Real-name trading and payment system with identity card and individual fingerprint passwords bound and online mutual bank |
-
2015
- 2015-04-30 CN CN201510215479.5A patent/CN104899738A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101699435A (en) * | 2009-11-06 | 2010-04-28 | 上海亚卡商贸有限公司 | Method for querying and authenticating second-generation ID card based on key information |
| CN103824012A (en) * | 2014-03-05 | 2014-05-28 | 许建华 | Radio frequency near field user identity recognition of intelligent mobile terminal |
| CN104574079A (en) * | 2015-01-21 | 2015-04-29 | 刘博旸 | Real-name trading and payment system with identity card and individual fingerprint passwords bound and online mutual bank |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108876596A (en) * | 2018-06-20 | 2018-11-23 | 李子盈 | The Private Banking's account working method and terminal and system of identity-based card number |
| CN111127001A (en) * | 2019-12-26 | 2020-05-08 | 李军 | Method for loading financial function by identity card |
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Effective date of registration: 20170330 Address after: 310053 Binjiang District, Zhejiang province Jiang apartment F13-1 Applicant after: Li Shangjian Address before: Akesu City, the Xinjiang Uygur Autonomous Region Akesu road 843099 Dolang No. 4 Jardine Longines sunshine District 26 Building 1 unit 501 room Applicant before: AKESU ZHIAN INFORMATION TECHNOLOGY CO., LTD. |
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| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150909 |