CN108475374A - Payment devices with a variety of patterns for carrying out financial transaction - Google Patents
Payment devices with a variety of patterns for carrying out financial transaction Download PDFInfo
- Publication number
- CN108475374A CN108475374A CN201680060587.2A CN201680060587A CN108475374A CN 108475374 A CN108475374 A CN 108475374A CN 201680060587 A CN201680060587 A CN 201680060587A CN 108475374 A CN108475374 A CN 108475374A
- Authority
- CN
- China
- Prior art keywords
- account
- payment card
- holder
- merchant terminal
- card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
- G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
Abstract
The present invention provides the Payment Cards and system and method that use Payment Card to carry out safety management financial transaction.In one embodiment, Payment Card includes the first component being merged into plastic-substrates, and wherein the first component is configured to provide for the associated with effective voucher of holder first details for substituting account.Payment Card further includes being merged at least one of plastic-substrates additional component.Each add-on assemble is configured to provide at least one additional details for substituting account associated with effective voucher of holder.Each details for substituting account and including different from each other replacement details of account.Also, at least one replacement account is supplied to businessman for carrying out financial transaction with businessman.
Description
Cross reference to related applications
This application claims the U.S. Provisional Application No.62/282 for enjoying in August in 2015 and submitting for 17th, 991 equity,
Full content is herein incorporated by reference.
Technical field
This invention relates generally to financial services, more particularly relate to the payment devices of processes financial transactions and are
System.
Background technology
Later 1940s, the U.S. introduce the plastic payment cards of credit card etc., most trust visitor as bank
Family pays dinner cost and a kind of mode of travelling when not carrying buckets of cash.Since then, thousands of issued by banks number
Payment Card in terms of hundred million.
However, the safety of conventional payment card system is threatened by several illegal acts.Identity theft, counterfeit behavior,
Swindle, unauthorized access account and other illegal acts threaten whole system.Conventional payment card and for authorize and
The network of processing card transaction is easy to be utilized extensively by identity thief and other criminals.A kind of principal mode of payment account swindle
It is the details for using payment account without permission when carrying out e-commerce.Payment account swindle another principal mode be
Manufacture personation card simultaneously uses in the point of sale of businessman (point-of-sale, POS) equipment.Swindle of these forms itself
It is as caused by the manufacture of Payment Card itself.Specifically, the credit number of printing or embossment on conventional plastic card
It can easily be duplicated or steal with other payment account details.In addition, the magnetic stripe of credit card can be also forged.In fact, by propping up
It pays to block to swindle to lose caused by bank, businessman and consumer and increase rapidly.It swindles and damages because of Payment Card every year in industry
Lose nearly 20,000,000,000 dollars.
Swindle (this is the main source of the financial risks of bank and payment brand) is palmed off and usurps in order to prevent, it is main
Card issuing network has employed new technology to ensure that in entity point of sale legal card can only be used.These by payment card industry and
It is anti-with secret storage and computing capability that the technology that card distribution network association enterprise (EMVCo) develops is that plastic cards are increased
Distort computer microchip.EMVCo is the payment industry integrated complex named with EuroPay, MasterCard and Visa
(EuroPay, MasterCard and Visa are the initial founders of the tissue), but also include now American
Express, Discover, JCB and Union Pay are as equity partner.
This microchip store secretly those when merchant POS device is traded for generating special ciphering signature
Required information and program.In every transaction, calculating process safe machine thickly executes inside embedded microchip, and passes through
Result is sent to card issuing bank by existing payment network together with payment account data, in card issuing bank using card
The identical information stored in piece verifies result.The information of storage will not be disclosed by publisher, can not be by any existing
Real means are extracted from microchip.The embedded card of microchip then provides for every card transaction that entity point of sale executes
Disposable code.If all businessmans use this new mechanism, the wind of card is forged by hijack accounts data
Danger will be eliminated significantly.
Card issuing prevents the another way of swindle to be to provide the card with near-field communication (NFC) component.Has NFC
The card of component allows user to swipe the card near the NFC reader or show within the scope of about 10cm card.
However, the embedded card of microchip (also referred to as EMV cards or smart card) and have the card of NFC function must also be
It works in the environment of not yet universal new standard.Many businessmans not yet use can activate chip card and read the EMV functions of password
Change terminal, or not yet using the NFC reader that wireless communication signals can be read.In order to guarantee payment card can in the world by
Receive, card issuing includes traditional magnetic stripe in card back.
In addition, in order to realize electronics and phone commercial affairs, payment accounts are imprinted on card publisher and/or embossment is in plastics
On.In this way, not only microchip or NFC components can be used to carry out financial transaction, can also be operated in gold by using POS card-payment
Melt using magnetic stripe in transaction or used in phone or internet business account.For conveying account from card to merchant terminal
The method of family information is known as pattern.In other words, chip card can use at least four different financial transaction patterns, example
Include such as brush magnetic stripe pattern, using the various patterns of EMV chips, NFC patterns and be manually entered card number pattern.Microchip also may be used
To realize other patterns, this is also the different financial transaction patterns why might have more than four kinds.
If robber encounters one kind in new-type EMV or NFC payment card, even if only controlling the card within of short duration a moment
Piece can also steal the sensitive data of payment account easily in the case where that need not scruple embedded chip and NFC components.
This can be realized by reading payment data from magnetic stripe, to forge card.Robber also can be by taking pictures to card and catching
Card number is obtained to steal data for fraudulent e-commerce.It should be noted that magnetic stripe data and printed data be not by example
The protection of security measure as password.Stolen data are subsequently used and not yet use safety is lower
The retail shop of EMV systems or robber, which can surf the Internet, carries out e-commerce transaction.
Therefore, it is necessary to safer Payment Cards.The above problem in order to prevent, while in order to improve customer satisfaction and carry
Height experiences the management and control of Payment Card, and the present invention is introduced for Payment Card, banking network and the mandate of financial transaction and processing
Several Innovative Elements.
Invention content
The present disclosure describes for using Payment Card come the Payment Card of safety management financial transaction, system and method.Branch
Fu Kake takes for example following form：Plastic payment cards, virtual card can carry one of business appliance, insertion in a mobile device
A or multiple components operate in application program and other evidence for payment forms on mobile device or computer.According to one
Embodiment, Payment Card include the first component being merged into plastic-substrates, which is configured to provide for holder's
Major financial account associated first substitutes the details of account.
Payment Card can also include the additional component being merged into plastic-substrates.Additional component is configured to provide for and holder
Effective voucher it is associated it is additional substitute account details.The details that first replacement account includes substitute the detailed of account with second
Feelings are different, and all different from all additional replacement accounts.At least one of account is substituted by first, second or additional to provide
To businessman so as to businessman carry out financial transaction.
According to another embodiment, account associate device includes at least one network interface, the network interface be configured to through
It is communicated with multiple merchant terminals by first network and is communicated with financial institution via secure network.Account association is set
Standby further includes transaction authentication module, which is configured to be possessed with holder by what the first merchant terminal obtained
Payment Card associated first substitute first group of details of account, be the first commercial terminal certification the in multiple merchant terminals
One financial transaction.Transaction verification module is further configured to based on the payment possessed with holder obtained by adding merchant terminal
Block the different details of the associated additional another set for substituting account, is the additional merchant terminal certification in multiple merchant terminals
Additional financial is merchandised.
Embodiment there is provided a kind of systems for providing safety for Payment Card according to another.The system includes point
It is not connected to the first merchant terminal of network and additional merchant terminal.First merchant terminal is configured to from the branch possessed with holder
It pays and obtains the first details for substituting account in associated first group information of card.Additional merchant terminal be configured to from the Payment Card
The additional details for substituting account are obtained in associated another set information.The system further includes being connected to the account association of network
Equipment.Account associate device is configured to receive the first replacement account from the first merchant terminal and additional merchant terminal respectively and add
Substitute the details of account.Account associate device is additionally configured to the first replacement account and additional replacement account and belongs to holder's
Effective voucher is associated.In addition, account associate device management holder preserves the financial institution of effective voucher and first and adds
Financial transaction between merchant terminal.First group information is different from other several group informations.
Various embodiments described in the disclosure may include additional system, method, feature and advantage, these are additional
System, method, feature and advantage not necessarily may be disclosed clearly herein, but be passed through in those of ordinary skill in the art
It consults following description and attached drawing will be apparent later.It is intended to so that all these systems, method, feature
It all includes in the disclosure with advantage, and is protected by appended claims.
Description of the drawings
The feature and component shown in the following drawings is to emphasize the general principle of the present invention, and be not required in proportion
It draws.For the sake of consistency and clearness, individual features and component in all attached drawings are designated the reference numeral to match.
Fig. 1 is showing the block diagram of the payment card schemes according to each embodiment of the present invention；
Fig. 2A and Fig. 2 B are the front view and backsight for respectively illustrating the first Payment Card according to each embodiment of the present invention
The view of figure；
Fig. 3 A and Fig. 3 B are the front view and backsight for respectively illustrating the second Payment Card according to each embodiment of the present invention
The view of figure；
Fig. 4 is showing the block diagram of the account associate device as shown in Figure 1 according to each embodiment of the present invention；
Fig. 5 is showing the block diagram of the user account module as shown in Figure 4 according to each embodiment of the present invention.
Specific implementation mode
The present invention relates to payment devices, hereinafter referred to as Payment Card, such as plastic payment cards, virtual card, wearable commercial affairs are set
Component in standby, embedded mobile device runs on application program and other evidences for payment on mobile device or computer.This hair
The bright system and method further related to for carrying out financial transaction using payment devices.The present invention may include thering is commercial viability
Service, mobile application and website are calculated, and may be used in combination the finance of Payment Card described herein or other payment devices
Mechanism is implemented.Invention introduces the Innovative Elements that several can be used for active card and effective voucher publisher, for preventing
Only various forms of swindles.Term as used herein " effective voucher " refers to effective funding instrument, can be but
It is not limited to credit card, label account card, direct savings account, savings account, checking account, accumulating card, Gift Card or other cards or sets
It is standby.
The present invention includes that can be directed to different type financial transaction to use multi-mode payment devices in different modes.Example
Such as, Payment Card as described herein may include the various modes for completing transaction.Some patterns may include：It is related in embedded card
Those of microchip pattern, those of be related to those of near-field communication (NFC) component pattern, be related to magnetic stripe pattern, be related to
Input those of card number and card security validation value (CVV) pattern and/or other patterns in line transaction.The present invention includes new-type
Reduce feature, application program of mobile phone and the corresponding website for controlling new-type reduction swindle feature of swindle.In addition, calculating clothes
Business can be used for providing for online merchants and retailer in the mandate and processing network of service.
Current Payment Card distribution way is by the unique primary account number of holder of the actually active voucher of direct corresponding holder
(PAN) details are included in all different modes of Payment Card (including magnetic stripe, EMV chips, NFC etc.).But such as this hair
It is bright described, primary account number (PAN) is replaced by using account or token is substituted, account can be plugged between businessman and credit card issuer
Family associate device increases the safety of transaction, or as a part for payment processing process, can call this by credit card issuer
Account associate device.Payment devices system described herein is safely substituted in a network prior to Trading Authorization and processing ground
Holder's PAN details.This prevents disclose holder's PAN details to businessman.
The present invention is that each payment devices have used multigroup different, anonymous and unpredictable replacement account details.
In example using actual delivery card, one group of replacement account details can be associated with one or more patterns of EMV chips, separately
One group of replacement account details can be associated with another pattern of EMV chips, and another group of replacement account details can be related to NFC components
Join, another group substitutes account details and is then used for magnetic stripe, and yet another group of replacement account details are used in e-commerce, also another group
For being manually entered.The payment swindle of cross-module formula can be prevented using multigroup different account details that substitute.
It is identical as the PAN being printed on card included in magnetic stripe neutralization that current way is included in PAN in EMV chips.
In this way, in the case where any one of various modes occur, financial transaction can all be received, this is just that the swindle of cross-module formula carries
Condition is supplied.For example, then robber, which may intercept EMV cards details, manufactures false magnetic stripe card.For another example, robber may use card number
Both EMV and magnetic stripe account details are stolen according to reader, then carry out unwarranted e-commerce transaction.However, this
Invention is not limited by for all patterns using identical PAN.On the contrary, the present invention is used corresponding to the multigroup of multiple effective vouchers
Different replacement accounts is detailed, wherein each substituting account can be associated from different patterns.Can prevent in this way across
Pattern payment swindle.
It should be noted that payment devices described in the invention can be embodied as credit card, debit card, virtual card, can wear
Carrying device, Internet of Things (IoT) equipment, the component in embedded mobile device and/or application program and/or other financial instruments.
In other embodiments, payment devices described in the invention are applicable to make in other payment environments in addition to business environment
Non-pay equipment.For example, non-pay equipment (for example, accumulating card, mobile device and other non-financial vouchers) is applicable
In following other functions：For as Proxy Credential come replace digital certificate identification (such as medical insurance purposes, for driving
Sail card purposes etc.), to obtain the permission of access safety point, photographic identification is provided for holder and be used for other purposes.Into one
Step ground can be evidence for payment and/or non-pay voucher with the associated effective voucher of account details is substituted, for example, integrate with
Card, medical insurance voucher and other finance or non-financial voucher.
The block diagram of Fig. 1 shows the embodiment of payment card schemes 10, and wherein financial institution 28 is that client issues Payment Card,
Such as credit or debit card.In other embodiments, the other types of Proxy Credential of not Payment Card, example can be used in client
Such as mobile device.According to the embodiment of Fig. 1, payment card schemes 10 include public network 12, one or more user equipmenies 14, one
A or multiple merchant terminals 16, one or more radio antennas 18, one or more mobile devices 20 and account association
Equipment 24.
Term " merchant terminal " is used to describe entity terminal, website or the businessman for by initiating payment and provides functionality
Other devices.Merchant terminal can be embedded in POS terminal and can be " virtual " as in being handled in electric business website.Separately
Outside, such as when initiating to repeat to pay due to service, merchant terminal can be after not being related to card, client, businessman or commodity
Platform equipment." merchant terminal " can represent POS terminal, businessman's on-line system and it is other by businessman possess/control for into
The mechanism of the various purchasing models of row.Merchant terminal may include be used in using one or more technologies (such as EMV chips, magnetic stripe,
NFC, e-commerce etc.) different payment modes in any merchant system.
Network 12 may include wide area network, internet, private network and/or other publicly accessible networks.In addition, network 12
It may include and the associated LAN of different businessmans.Network 12 can also be connected to the cellular network of antenna 18 with one or more
Connection.
User equipment 14, merchant terminal 16 and antenna 18 can be connected to by one or more wired or wireless interconnecting pieces
Network 12, to realize the electronic communication between all parts.Radio antenna 18 may include one or more cellular towers, rail
Road satellite, or other wireless communication hubs for being communicated with mobile device 20.
Account associate device 24 can be server, network server, operation software on the server, hardware device,
Or any intermediate computing device or device for being adapted to provide for various transactional services.Account associate device 24 is additionally coupled to secure network
26, secure network 26 is also connected to one or more financial institutions 28 and one or more data by wired or wireless interconnecting piece
Library 30.Secure network 26 can be private network, LAN, Virtual Private Network (VPN) or superencipherment public network.Account is closed
Connection equipment 24 can be configured to the storage in database 30, and for one or more replacement account to be directed to financial institution 28, certain is held
The information for the real accounts that card people or client are possessed.
In purchase operates, the client for being issued Payment Card can be used the Payment Card for commodity or service payment.It can be
Show Payment Card to businessman at one of merchant terminal 16.It should be noted that multiple merchant terminals 16 can with it is identical
Businessman is associated, to obtain account information by different mode.In fact, multiple merchant terminals 16 can with used in businessman
Individual equipment is associated, to obtain information in single POS terminal.Correspondingly, POS terminal can be by using embedded in card
The first mode of chip to obtain information from Payment Card, or by be related to using the other pattern of NFC components or the upper magnetic stripe of card come
Obtain information.In other transaction of such as online transaction or phone trading, the card number of printing and/or embossment on card can electricity
Submode is inputted or is represented by businessman's order to input.
According to other embodiments, on the contrary, payment card schemes 10 can be configured for the system for executing non-pay behavior.It takes
Substitute performance those as disclosed herein with the relevant various functions of finance account, non-pay system can also be not be financial machine
The business entity of structure handles other types of voucher.
Account associate device 24 will arbitrarily substitute effective voucher details of account data value and holder using database 30
It is associated.The arbitrary account data value and effective voucher details of substituting can be carried in registration by account associate device 24 by the client that holds
It is provided when the service of confession.In one embodiment, the movement in one of which mobile device 20 may be used in the client that holds
Application program or using user equipment 14 (its can be traditional computer or web browser) by account associate device
The 24 network services provided are associated with the effective voucher details for extremely substituting account to change at any time.Account associate device 24 makes multiple to have
It is associated with multiple replacement accounts to imitate voucher.Effective voucher can be finance or non-financial voucher.In one embodiment, account
Associate device 24 keeps effective voucher from card-issuing financial institution 28 associated with multiple replacement accounts.In one embodiment,
Account associate device 24 makes to replace with multiple from card-issuing financial institution 28 and effective voucher of other finance or non-financial institution
It is associated for account.
Account associate device 24 is arranged in payment card schemes 10 so that account associate device 24 is received to be passed through by businessman
One in multiple replacement accounts that one of merchant terminal 16 is presented, needs are to represent each card substitutes account and carries out
The All Activity of mandate.Account associate device 24, which utilizes, may customize regulation engine by multiple replacement accounts and one or more clients
Effective voucher is associated, and the customizable regulation engine is to including current transaction data (but being not limited to current transaction data)
It is one or more true very sensitive.Current transaction data for example may include but be not limited to businessman's class code, Merchant ID, transaction
Amount, replacement account, service codes and card safety code etc..
Account associate device 24 can also access data by database 30, which includes but not limited to be directed to certain alternative
First transaction that account is presented, for the identical client that holds it is associated it is another substitute that account is presented formerly merchandise, be directed to
First transaction that identical businessman or identical merchant site are presented, the client that holds when merchandising and presenting leading mobile telephone ground
Manage position.It the geographical location can be by such as global positioning system (GPS), near radio electric signal (such as Wi-FiTM、
BluetoothTM, Bluetooth Low Energy beacon, ZigbeeTM、Z-waveTMOr combination thereof) and other positions induction because usually
It determines.The no remaining sum of associated with effective voucher replacement account itself or credit can have been established, and be consequently not used for settling accounts
Any transaction.
Payment card schemes 10 can be used for providing safety for the use of Payment Card.Payment card schemes 10 may include being connected to public
First merchant terminal 16 of network 12, wherein the first merchant terminal 16 is configured to from associated with the Payment Card that holder possesses
First group information obtains the first details for substituting account.Payment card schemes 10 may include the second businessman for being connected to public network 12
Terminal 16, wherein the second merchant terminal 16 is configured to obtain the second replacement account from the second group information associated with the Payment Card
Details.In this embodiment, payment card schemes 10 further include being connected to the account associate device 24 of public network.Account is associated with
Equipment 24 is configured to receive the first and second details for substituting account from the first and second merchant terminals 16 respectively.Account association is set
Standby 24 are further configured to keep the first and second replacement accounts associated with effective voucher of holder is belonged to.Account associate device
24 also management financial institution 28 (holder obtains effective voucher from the financial institution 28) with the first and second merchant terminals 16 it
Between financial transaction.Additionally, it should be noted that the first group information is preferably different from the second group information.
Payment card schemes 10 may also include the third merchant terminal 16 for being connected to public network 12, wherein third merchant terminal
16 may be configured to from third group information associated with Payment Card, and preferably different third group informations, obtain the
Three substitute the details of account.In some embodiments, the first group information is obtained from the microchip on Payment Card, the second group information from
The NFC components for being embedded in Payment Card obtain, and third group information obtains from the magnetic stripe on Payment Card, the 4th group information from printing and/
Or card number of the embossment on Payment Card obtains.It can also obtain and be obtained from other different modes of currently known or later exploitation
Other several group informations.First group information, the second group information, third group information, the 4th group information and other group informations can be by
Financial institution generates.Some in these group informations can be manually entered.
Alternative embodiment includes such a payment card schemes 10, and wherein Payment Card is without printing and/or the account of embossment
Number.Equally, Payment Card can not have magnetic stripe, or without one kind in other patterns.In this case, holder is at businessman's end
End, which uses, can be used only the pattern retained on magnetic stripe and/or NFC components, or card when Payment Card.
A different set of account details can also be conveyed to holder, for carrying out online or phone trading.The group is not
With account details can by computer (such as user equipment 14) and/or by mobile device 20 mailing, Email or
Short message is sent to holder.
In some embodiments, mobile device associated with holder 20 may be incorporated into system 10.Merchant terminal 16
One of them can be arranged to the online merchants' equipment for carrying out online transaction, mobile device 20 can be configured to store and retrieve from
The dynamic authentication value (d-CVV) or calculate dynamic authentication value that account associate device 24 generates, which is sent to
Or it is manually entered into online merchants' equipment.In some cases, one or more merchant terminals 16 can be embedded into point of sale
(POS) in equipment.
User equipment associated with holder 14 is configured to make holder that can replace to manage by account associate device 24
For account and effective voucher.Account associate device 24 is configured to make holder to input log-on message, monitoring substitute account activity,
Open or disabling is carried out with Payment Card transaction one or more patterns, Payment Card loss or it is stolen when report the loss, Yi Jiti
For with various effective relevant information of voucher.For example, account associate device 24 can provide the website for including one or more webpages,
The webpage makes holder that can navigate to the website using user equipment 14.
Fig. 2A and Fig. 2 B show the first Payment Card 36 according to each embodiment of the present invention.Fig. 2A shows Payment Card
36 front 38, Fig. 2 B show the back side 40 of Payment Card 36.Payment Card 36 may include the gold being located on 36 front 38 of Payment Card
Melt 28 title 42 of mechanism, microchip 44, card number 46, customer name 48 and the term of validity 50.In some embodiments, card number 46 can
Embossment is on Payment Card 36.In addition, the back side of Payment Card 36 may include magnetic stripe 52, signature boxes 54 and card validation value (CVV) 56.
Payment Card 36 can further comprise NFC components, which can be embedded under the surface of Payment Card 36, for realizing contactless
Transaction.
In one embodiment, Payment Card 36 can be card issuing bank according to for several global brand Payment Cards
The regular plastics EMV chip cards to issue of distribution that one of network is formulated.Payment Card 36 includes pre-configuration and individual
Change, so that it can be used for any businessman POS for enabling EMV.
However, the account details of the not instead of main card holder of account details included in microchip 44, are issued by card
The arbitrary value of Fang Shengcheng.Here account details are referred to alternatively as " substituting account details ".Substitute account details be used as effectively with
The substitute of card, but be not used to identify any particular customer.On the contrary, substituting what account details were related to being generated by the card bank of issue
But replacement account not associated with any specific effective voucher.
In the embodiment of fig. 2, microchip 44 and magnetic stripe 52 include two different different payment accounts for substituting account, have
Effect phase and other token account details.Briefly, microchip 44 and magnetic stripe 52 seem that representing entirely different branch pays a bill
Family.With microchip 44 at the businessman for enabling EMV the transaction that carries out by comprising with use the magnetic stripe 52 in same card 36 in businessman
Place is traded different account details.Equally, NFC transaction may be used different from enabling under EMV patterns and magnetic stripe pattern
Payment account details.
In one embodiment, financial institution 28 provides the replacement account for e-commerce or phone business transaction for client
Family details, so that the details are different from the details of the replacement account for microchip 44 or magnetic stripe 52.It should be understood that
The electronics and telephone communication of fax, Email and other forms can also be used.It is to be further understood that for postal is passed through
For the transaction for posting progress, substituting account details can be recorded on mail-order list.E-commerce substitutes account details can not be by
Printing or embossment but are provided independently to client on Payment Card 36, or can print or embossment is on Payment Card, this regards real
Depending on applying example.
Fig. 3 A and Fig. 3 B show the second class Payment Card 60 according to each embodiment of the present invention.Fig. 3 A show Payment Card
60 front 62, Fig. 3 B show the back side 64 of Payment Card 60.Payment Card 60 may include being located at the positive financial machine of Payment Card 60
Structure title 66 and microchip 68.It should be noted that Payment Card 60 do not appear in normally card number on conventional payment card and
Customer name.The back side 64 of Payment Card 60 can be blank or title that can be simply including financial institution and address.The back of the body
Face 64 therefore not traditional magnetic stripe and CVV codes.Payment Card 60 do not have preprinted card number, embossment account data, have
Imitate issue evidence, holder name or other account datas.By by blocking at anonymous and do not include the account that people can be read
Number, it can prevent from routinely stealing account data from the front and back of card.
Currently, VisaTMAnd MasterCardTMInclude that the requirement made for credit card and debit card shows on card and holds
Block the rule of people's name and account.Therefore, the embodiment of Fig. 3 does not defer to these current rules.But it is described in the invention
Payment Card 60 can be disclosed to carry and lost or stolen danger without having because holder's surname cannot be obtained by estimating
Name and account.For online, mail-order, phone and it is other it is similar merchandise for, can be individual in the secure storage in other that holds
Card or electronic document.
In some embodiments, Payment Card 36,60 can be made of plastic base.The first component (such as microchip 44) can
To be merged into inside the plastic base of Fig. 2 and card shown in Fig. 3.The first component can be configured to provide with holder it is effective with
Demonstrate,prove the associated first details for substituting account.The Payment Card 36 of Fig. 2 may also comprise the additional component being merged into plastic base.
These additional components are configured to provide the additional details for substituting account associated with effective voucher of holder.First substitutes account
Family includes substituting different and all different with all additional replacement accounts details of the details of account from second.First replacement account,
Second replacement account or additional at least one of the account that substitutes are provided (for example, using merchant terminal 16) to businessman, are used for
Financial transaction is carried out with businessman.
Businessman is configured to that at least one details for substituting account are communicated to account associate device 24 by network 12.Account
Associate device 24 is configured to will to substitute that one of at least one of account and effective voucher of holder are associated, and wherein account is closed
Connection equipment 24 is further configured to management and the associated financial institution 28 of holder's major financial account and associated with businessman
Merchant terminal 16 between financial transaction.
According to some embodiments, the Payment Card 36 of Fig. 2 can further comprise that packet is merged into the additional component in plastic base
(such as card number 46).Card number is printable and/or embossment is on plastic base.In an alternative embodiment, Payment Card (such as Payment Card
It 60) can be without printing or at least one of card number, magnetic stripe and/or the other patterns of embossment.
First substitutes account, second substitutes account and the additional account that substitutes can be by point of sale (POS) equipment (such as businessman
Terminal 16) it is read from the first component, second component and additional component.In order to carry out financial transaction, some embodiments may include
Use mobile device associated with holder 20.
Fig. 4 is showing the block diagram of 24 embodiment of account associate device shown in FIG. 1.In the fig. 4 embodiment, account is closed
Join equipment 24 include security module 74, one or more webpage 76, user account module 78, one or more network interfaces 80 with
And transaction authentication module 82.The one or more network interface 80 is configured to realize the communication on the first public network 12 and goes back
Realize the communication on secure network 26.User account module 78 allow user or client execute related finance account and it is related such as
What is acted using many differences of Payment Card 36,60.More detailed retouch has been carried out to user account module 78 below with reference to Fig. 5
It states.
Security module 74 may include the random number generator for generating interim dynamic card verification value (d-CVV).d-CVV
Mobile device can be sent to.In addition, security module 74 may include for encrypting adding for the data transmitted via public network 12
Ciphertext engine.Account associate device 24 can be configured to network server, allow one or more users from 76 access information of webpage,
And allow to establish secure connection to realize the transmission to sensitive informations such as customer information, card numbers.Transaction authentication module
82 are configured to carry out certification financial transaction using Payment Card 36,60.
In one embodiment, token account details can be carried by the encipherment protection for using key, key by security module 74
For.In one embodiment, the password that key derivation is created from client.In another embodiment, key may depend on it instead
Its data, this includes but not limited to the identity of mobile device 20, holding known to the security module 74 of account associate device 24
Country that the ID number of client, the client that holds are registered for Computer Service, by holder biological identification (such as fingerprint,
Iris scan, face or voice recognition) control master key, or be matched with the biological rhythm mould of one or more body rhythms
Formula, the biological rhythm pattern include but not limited to pulse frequency, epidermis conductivity, iris dimensions, blink rate, encephalography, the heart
Electricity retouch meter art and other independences or combine be considered as individual biomarker other factors.
Common plastic clip can only there are one be printed on the front of card or three of the back side or the CVV of four figures.Electronics quotient
This value is routinely inquired now to ensure that client is oneself to hold the card in business website.But because CVV be imprinted on it is short on card
Number, be easy be stolen with card account data.Therefore, it is only capable of using using what can be generated by security module 74 in transaction
Stealing for this form can be prevented in the dynamic CVV (d-CVV) once to merchandise.In some embodiments, instead of using generation
It is only used for the d-CVV once to merchandise, d-CVV can be applied to and associated more transactions of specific merchant or can be according to other standards
It is used for multiple times, these standards are, for example, number of days range, one week certain day, the region code of businessman, purchase pattern etc..According to one
A little embodiments, the mobile applications operated in mobile device associated with holder 20 can be configured to come as needed
Obtain d-CVV.Alternatively, the website that can be used account associate device 24 to provide when mobile device 20 is unavailable.Therefore, at this
In the case of kind, account associate device produces d-CVV.
In addition to use during financial transaction, system 10 can also alternatively be applied to non-pay purposes.For example, system
10 can be used for replacing some form of identifier with token or alternate identifier.This class identifier may include social security number
(in the U.S.), public health identifier, integral plan and those using true number might have leakage, identity theft or
The dangerous other forms account of other swindles.
Account associate device 24 can also be used to provide limitation sexual transaction access, the protected record set to protected record set
E.g. medical records request, experimental result, credit inquiry, operation license, trading certificate, and provided using government or enterprise
Identification account other forms relying party investigation.
Payment card schemes 10 can be additionally used in the transaction of some non-pay purposes, including driving license, border control file, build
It builds object and resource accesses card and Gift Card.In this embodiment, Payment Card 30,60 is using one kind for non-pay purposes
Or while various modes, the one kind or more for being used for payment transaction is also used by the independent replacement account for different mode
Kind pattern.
In some embodiments, account associate device 24 may include that at least one network interface 80, network interface 80 configure
At being communicated with multiple merchant terminals by the first public network 12 and communicated with financial institution 28 by secure network 26.Example
Such as, financial institution 28 can be the bank that Payment Card 36,60 is issued for holder.Account associate device 24, which may also include transaction, to be recognized
Module 82 is demonstrate,proved, which is configured to：It is replaced according to the Payment Card 36,60 held with holder associated first
For first group of details that the first merchant terminal of account is obtained, to first of the first merchant terminal in multiple merchant terminals 16
Financial transaction is authenticated.Transaction authentication module 82 can be further configured into：According to the Payment Card 36,60 held with holder
Second group of different details that second merchant terminal of associated second replacement account is obtained, in multiple merchant terminals 16
The second financial transaction of the second merchant terminal be authenticated.
Transaction authentication module 82, which can be further configured into, judges to substitute the effective voucher whether account corresponds to holder.It hands over
Easy authentication module 82 may further be configured into whether the replacement account details for judging to receive correspond to used Payment Card
The expected of pattern substitutes account details.Transaction authentication module 82 is further configured to management financial institution 28 and the first and second quotient
Financial transaction between family's terminal 16.Transaction authentication module 82 is further configured into：According to the payment held with holder
The additional group of details that the associated additional additional merchant terminal for substituting account of main account of card 36,60 is obtained, to multiple quotient
The additional financial transaction of additional merchant terminal in family's terminal 16 is authenticated.First group of details can be from Payment Card 36,60
Microchip 44 obtain, second group of details can obtain from the magnetic stripe 52 on Payment Card 36, third group details can from printing and/
Or card number 46 of the embossment on Payment Card 36 obtains.
Network interface 80 can be further configured by network 12 with the associated remote equipment of holder (such as user
Equipment 14 or mobile device 20) it is communicated.Network interface 80 can be further configured into from remote equipment 14,20 receive instruction with
Make holder's management and Payment Card 36,60 associated main accounts, wherein management main account includes following at least one：Input note
Volume information 86 monitors one or more patterns, report that the activities of 94 main accounts, unlatching and disabling 90 are traded with Payment Card
The information that 92 Payment Cards are lost or stolen and offer 88 substitutes accounts in relation to first and second.
Fig. 5 is showing the block diagram of 78 embodiment of user account module shown in Fig. 4.In this embodiment, user account
Module 78 includes registration module 86, provisioning module 88, enabled module 90, report module 92 and monitoring module 94.User can
To use the mobile applications run in holder's mobile device or access account by using the user equipment 14 of holder
The website that associate device 24 provides accesses user account module 78.
The client that can make to hold of user account module 78 establishes and manages those and held client by the representative of account associate device 24
The rule of implementation.The one or more that this rule-like can know the client that holds is true sensitive, these facts include but not limited to
The registered place distance of businessman holds when payoff, Merchant ID, the local time being coded in transaction message and date, transaction
The distance in the geographical location of client mobile device, the local currency of transaction, the country where when merchandising, the state where businessman
Whether family, transaction are rendered as magnetic stripe transaction, EMV transaction or e-commerce, phone or mail-order transaction and the certification of holder
Method, this is such as, but not limited to one or more of：It is received to businessman's POS terminal input personal identification number (PIN) code, signature
According to, to mobile device input password and fingerprint or other biometric discrimination methods.
Registration module 86 is configured to make holder's registration is additional to substitute account and add effective voucher.Enabled module 90
It can be used for making the various uses that holder can be predicted according to holder based on various standards before certification to open or prohibit
With the transaction of certain patterns or type, or oneself can open or disabling particular transaction.Enabled module 90 can be used for making holding
People specifies should deduct payment expense in various possible situations and standard from which effective voucher.Report module 92 makes user can
With Payment Card 36,60 lose or it is stolen when reported.One embodiment of report module 92 can make account associate device 24
Relevant information is reported to user or financial institution 28 either manually or automatically, this includes that replacement account details are crossed in report
And/or the potential fraud of Payment Card.Monitoring module 94 allows all work that user checks previous transaction with monitor card
It is dynamic.
Provisioning module 88 allows user individually to distinguish multigroup different replacement account details.Traditional card issuance system assumes
Be between the card number of microchip, magnetic stripe and printing/embossment share certain data elements.But it is issued with legacy card and is
System is on the contrary, provisioning module 88 allows to use independent data element usually prewired to the progress of each of these and other element
It sets.Provisioning module 88 is configured to identify these multigroup different replacement account details respectively, these substitute account details storage
In the general pre-configuration data file transmitted during the pre-configuration step of card.
If the Payment Card 36,60 of holder is lost or is stolen, holder may meet with unauthorized use, and it pays
Card.However, although in certain national robbers the thing less than certain cost value (such as 100) can be bought using NFC features,
It is that robber cannot use EMV features in the case of no holder's PIN code under normal conditions, wherein holder's PIN code can profit
It is inputted in pre-provisioning procedure with provisioning module 88.In addition, due to being different for the account details of the individual transaction pattern
So that stolen card is consequently not used for electronics or phone commercial affairs.
Provisioning module 88 can further comprise receiving the identification information for not being printed on the holder on Payment Card 36,60.
According to some embodiments, provisioning module 88 can be by requiring the mobile device 20 of holder and using the friendship of Payment Card 36,60
It easily exists simultaneously and uses rule to formulate holder.In addition, the mobile applications of mobile device 20 can be used for preventing immediately coming
Free report module 92 reports the transaction for the stolen card being stolen.Its rule can be configured to prevent magnetic stripe by user account module 78
Transaction, unless holder uses the mobile applications in mobile device 20 to unlock the transaction of these magnetic stripes every time.Later approach
The use of forgery magnetic stripe card can effectively be prevented.Its rule can also be configured to prevent from any and all by user account module 78
The transaction of different mode, or prevent to fall into the transaction of certain standard, unless holder unlocks these transaction every time.
In one embodiment, mobile applications are can get in the main mobile device 20 of client that holds.The movement is answered
With program can be held client in user-association equipment 24 registration substitute account or effective voucher, control effective voucher with
It is preconfigured to one or more pre-configurations substituted between account details of Payment Card or joint.Mobile applications also make
User can open or disable those by any mandate for being pre-configured the transaction occurred to the replacement account of plastic payment cards, lift
Report Payment Card has been lost or has been stolen, and Payment Card is reported as sensitive or high value or the Additional Verification of high-risk transactions
Factor.
Mobile device 20 can also merchandise with " showing card " and the associated replacement account of " not showing card " transaction is detailed
Feelings store in memory.These replacement account details can store in memory and defeated into mobile device 20 by client
Enter password and/or another authentication factor to be called by client.Interactive means, mobile application are carried out as with e-commerce website
Program safety holds e-commerce and substitutes account details, and is based on being fitted by password, bioassay and/or other factors
When certification displays it to user.In another embodiment, account details are substituted to be transmitted and moved by account associate device 24
Dynamic equipment 20 receives, and then inputs password and/or another authentication factor into mobile device 20 by client by is called by client.
Embodiments described herein represents a variety of possible embodiments and example, but is not intended to limit the present invention
It is made as certain specific embodiments.On the contrary, those skilled in the art can according to understand these embodiments are made it is various
Modification.Any this kind of modification will be all included within the spirit and scope in this invention.
Claims (26)
1. a kind of Payment Card, including：
The first component being merged into plastic-substrates, the first component are configured to provide for associated with effective voucher of holder
First substitute account details；With
It is merged at least one of plastic-substrates additional component, each at least one additional component is matched
It is set to and at least one additional details for substituting account associated with effective voucher of the holder is provided；
Wherein, the details that account includes different from each other replacement details of account are each substituted；And
Wherein, at least one replacement account is supplied to businessman for carrying out financial transaction with the businessman.
2. Payment Card according to claim 1, wherein the businessman is configured to will be in the replacement account via network
At least one details for substituting account send account associate device to, wherein the account associate device is configured to the replacement
At least one of account is associated with effective voucher of the holder, and the wherein described account associate device is additionally configured to
It manages between financial institution associated with effective voucher of the holder and merchant terminal associated with the businessman
Financial transaction.
3. Payment Card according to claim 1, wherein the first component be merged into the plastic-substrates or on
One kind in microchip, near-field communication NFC device and magnetic stripe, and at least one additional component is the microchip, NFC
Another kind in equipment and magnetic stripe.
4. Payment Card according to claim 3, wherein an additional component at least one additional component includes
The card number of printing or embossment on the plastic base.
5. Payment Card according to claim 1, wherein the Payment Card does not have the account number and magnetic stripe of the printing or embossment
At least one of.
6. Payment Card according to claim 1, wherein mobile device associated with the holder is for completing finance
Transaction.
7. Payment Card according to claim 1, wherein the details for substituting account are by merchant terminal from the component
It reads.
8. a kind of account associate device, including：
At least one network interface is configured to communicate with multiple merchant terminals via network and via network and financial institution
Communication；With
Transaction authentication module is configured to the replacement associated with the Payment Card that holder possesses obtained by merchant terminal
One group of details of account are the merchant terminal certification financial transaction in the multiple merchant terminal；
Wherein, the transaction authentication module is further configured to based on by adding possessing with the holder for merchant terminal acquisition
The associated additional different details of another set for substituting account of the Payment Card, be attached in the multiple merchant terminal
Merchant terminal certification additional financial is added to merchandise.
9. account associate device according to claim 8, wherein the transaction authentication module, which is additionally configured to determine, substitutes account
Whether family corresponds to the expection account of the pattern for the transaction, and refuses if necessary, handles or suspend
The transaction.
10. account associate device according to claim 8, wherein the financial institution is to described in holder granting
Payment Card, and the wherein described transaction authentication module is further configured to manage the financial institution and the first merchant terminal and the
Financial transaction between two merchant terminals and additional merchant terminal, and processing has for what is specified in user account module
Imitate the payment of voucher.
11. account associate device according to claim 8, wherein the transaction authentication module is further configured to be based on
By add the additional replacement account associated with the Payment Card that the holder possesses that merchant terminal obtains other one
The different details of group are the additional merchant terminal certification additional financial transaction in the multiple merchant terminal.
12. account associate device according to claim 11, wherein from microchip, the near-field communication on the Payment Card
NFC device and magnetic stripe obtain first group, second group and third group details, and the card of printing or embossment from the Payment Card
It number obtains the 4th group of details, and obtains other several groups of details by obtainable other patterns.
13. account associate device according to claim 11, wherein in first merchant terminal and the second merchant terminal
It is at least one be point of sale POS terminal.
14. account associate device according to claim 8, wherein the network interface is additionally configured to via first network
It is communicated with the remote equipment for being associated with the holder.
15. account associate device according to claim 14, wherein the network interface is additionally configured to remotely set from described
It is standby to receive instruction so that the holder manage effective voucher associated with the Payment Card, wherein managing effective voucher
Including：The one of the transaction that input log-on message, activity, enabling and the disabling for monitoring effective voucher are carried out with the Payment Card
Kind or various modes, the report Payment Card lost or be stolen, and pair with the associated multiple replacements of the Payment Card
The related information of account is pre-configured.
16. account associate device according to claim 8, further includes one or more webpages of website, the webpage makes
The details can be managed using user equipment or navigate to the website by obtaining the holder.
17. a kind of system for providing safety for Payment Card, the system comprises：
It is connected to the first merchant terminal of network, first merchant terminal is configured to from related to the Payment Card that holder possesses
The first details for substituting account are obtained in first group information of connection；
It is connected to the second merchant terminal of the network, second merchant terminal is configured to from associated with the Payment Card
The second details for substituting account are obtained in second group information；
Be connected to the additional merchant terminal of network, the additional merchant terminal be configured to from it is associated with the Payment Card in addition
The additional details for substituting account are obtained in several group informations；With
It is connected to the account associate device of the network, the account associate device is configured to respectively from first merchant terminal
Described first is received with subsequent merchant terminal and substitutes account and the subsequent details for substituting account, and the account associate device is also
It is configured to substitute account by described first and subsequent replacement account is associated with effective voucher of the holder is belonged to；
Wherein, the account associate device manages the holder and preserves the financial institution of effective voucher and first quotient
Financial transaction between family's terminal and subsequent merchant terminal；With
Wherein, first group information is different from follow-up several group informations.
18. system according to claim 17 further includes the additional merchant terminal for being connected to the network, the additional quotient
Family's terminal is configured to obtain the additional details for substituting account from addition several group informations associated with the Payment Card.
19. system according to claim 18, wherein described first group, second group and third group information are from the payment
What magnetic stripe, microchip on card and near-field communication NFC device obtained, and the 4th group information be from Payment Card printing or
What the card number of embossment obtained.
20. system according to claim 17, wherein the Payment Card is without in the account number and magnetic stripe of printing or embossment
It is at least one.
21. system according to claim 17 further includes mobile device associated with the holder.
22. system according to claim 21, wherein the mobile device calculates, stores or receive dynamic card verification value
D-CVV, to verify transaction.
23. system according to claim 22, wherein first merchant terminal, the second merchant terminal and additional businessman
At least one of terminal is arranged to carry out online merchants' equipment of online transaction, and the wherein described mobile device or user
By being manually entered or the d-CVV is transmitted to online merchants' equipment by other methods.
24. system according to claim 17, wherein at least one in first merchant terminal and the second merchant terminal
It is a to be embedded in the POS terminal of entity point of sale.
25. system according to claim 17, further includes user equipment associated with the holder, the user sets
It is standby that the holder is enable to manage effective voucher via the account associate device, and the wherein described account association is set
It is standby to be configured to enable the holder to input log-on message, the activity of monitoring effective voucher and by they and various replacements
Account is associated, enables and disables one or more patterns of the transaction carried out with the Payment Card, reported the Payment Card
It loses or stolen, and pair information related with the first replacement account and the second replacement account is pre-configured.
26. system according to claim 25, wherein the account associate device offer includes one or more webpages
Website, the webpage enable the holder to navigate to the website using the user apparatus.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US201562282991P | 2015-08-17 | 2015-08-17 | |
| US62/282,991 | 2015-08-17 | ||
| PCT/US2016/047329 WO2017031198A1 (en) | 2015-08-17 | 2016-08-17 | Payment devices having multiple modes of conducting financial transactions |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108475374A true CN108475374A (en) | 2018-08-31 |
| CN108475374B CN108475374B (en) | 2022-04-19 |
Family
ID=62164626
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201680060587.2A Active CN108475374B (en) | 2015-08-17 | 2016-08-17 | Payment device with multiple modes for conducting financial transactions |
Country Status (2)
| Country | Link |
|---|---|
| EP (1) | EP3338230A4 (en) |
| CN (1) | CN108475374B (en) |
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| CN109767210A (en) * | 2018-12-28 | 2019-05-17 | 深圳市讯联智付网络有限公司 | The system and method for preventing eSe sdlc chip from surprisingly being terminated |
| US20220300318A1 (en) * | 2021-03-17 | 2022-09-22 | Bank Of America Corporation | Electronic system for authorization and use of cross-linked resource instruments |
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Also Published As
| Publication number | Publication date |
|---|---|
| EP3338230A1 (en) | 2018-06-27 |
| EP3338230A4 (en) | 2019-04-17 |
| CN108475374B (en) | 2022-04-19 |
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