CN109636376A - Smart card payment system - Google Patents
Smart card payment system Download PDFInfo
- Publication number
- CN109636376A CN109636376A CN201910092942.XA CN201910092942A CN109636376A CN 109636376 A CN109636376 A CN 109636376A CN 201910092942 A CN201910092942 A CN 201910092942A CN 109636376 A CN109636376 A CN 109636376A
- Authority
- CN
- China
- Prior art keywords
- card
- payment
- smart card
- smart
- mobile phone
- 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.)
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [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
- G06Q20/3415—Cards acting autonomously as pay-media
-
- 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
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses a kind of smart card payment systems, it includes smart card, brushing card terminal equipment and mobile phone, the card image of multiple Payment Cards is wherein stored in smart card, the card image of every Payment Card includes card number, subscriber identity information, brushing card terminal equipment has card reading module and wireless communication module, card reading module is for reading the card image in smart card and the card image of reading being sent to mobile phone via wireless communication module, mobile phone is for showing card image and user being prompted to select Payment Card and authority to pay, and after receiving the instruction of selected Payment Card and authority to pay of user's input, final payment instruction is sent to the wireless communication module of brushing card terminal equipment, to authorize card swiping terminal to complete the payment of selected Payment Card.Smart card payment system according to the present invention, can greatly improve the safety of cCredit card payment, and significantly improve the property easy to use of card.
Description
Technical field
The present invention relates to cCredit card payment more particularly to a kind of smart card payment systems.
Background technique
With the acceleration of people's life rhythm, the raising of life water, the card with payment function carried with it are more next
More, such as bank card, medical insurance card, transportation card, member card, purchase card etc., so more cards are carried more and more not square
Just, pocket is too fat to move, and it is inconvenient to pick and place when use.Also, with wechat, the payment softwares such as Alipay gradually replace cash branch
Pay, in order to further mitigate carry Ka Bao and card packet may pass into silence lose caused by trouble, improve payment safety and
Property easy to use.
To sum up, existing a variety of cards with payment function need some technical improvement, to improve its payment peace
Full property and property easy to use.
Summary of the invention
The technical problem to be solved by the present invention is to carry, make to overcome the payment safety of existing Payment Card not high
With not convenient and fast enough defect, a kind of smart card payment system is proposed.
The present invention is to solve above-mentioned technical problem by using following technical proposals:
The present invention provides smart card payment systems, it is characterized in that comprising smart card, brushing card terminal equipment and hand
Machine, wherein be stored with the card image of multiple Payment Cards in the smart card, the card image of every Payment Card include card number,
Subscriber identity information；
The brushing card terminal equipment has card reading module and wireless communication module, and the card reading module is for reading the intelligence
Can card in card image and the card image of reading is sent to the mobile phone via the wireless communication module；
The mobile phone is used to show the card image and user is prompted to select Payment Card and authority to pay, and is receiving
After the selected Payment Card of user's input and the instruction of authority to pay, the wireless communication module of Xiang Suoshu brushing card terminal equipment is sent out
Final payment instruction is sent, to authorize the card swiping terminal to complete the payment of selected Payment Card.
Preferably, the subscriber identity information includes user fingerprints information, the instruction of the authority to pay is described to meet
The fingerprinting-instruction of user fingerprints information.
Preferably, the Payment Card includes one of bank card, medical insurance card, transportation card, the member card of businessman, purchase card
Or it is a variety of.
Preferably, the smart card has information transmission modular, the information transmission modular is used to carry out with the mobile phone
Information exchange.
Preferably, every smart card is tied to a mobile phone, wherein the mobile phone has smart card administrative unit, institute
Smart card administrative unit is stated to increase for the instruction according to user, delete and modify in the smart card with the handset binding
Card image.
Preferably, the smart card also has fingerprint recording module, the fingerprint recording module is for user described in typing
Finger print information, and the user fingerprints information is sent to the mobile phone by the information transmission modular.
On the basis of common knowledge of the art, above-mentioned each optimum condition, can any combination to get each preferable reality of the present invention
Example.
The positive effect of the present invention is that:
Smart card payment system according to the present invention, can greatly improve the safety of cCredit card payment, and significantly improve
The property easy to use of card convenient for management, carries, and is not easy to forget, loses card.
Detailed description of the invention
Fig. 1 is the schematic diagram according to the smart card payment system of the preferred embodiment of the present invention.
Specific embodiment
With reference to the accompanying drawings of the specification, further the preferred embodiment of the present invention is described in detail, description below
To be illustrative, not limitation of the present invention, any other similar situation also fall within protection scope of the present invention it
In.
In specific descriptions below, term of directionality, such as "left", "right", "upper", "lower", "front", "rear" etc.,
The direction with reference to described in attached drawing uses.Component in various embodiments of the present invention can be placed in a variety of different directions, directionality
Term be for illustrative purposes and not restrictive.
Refering to what is shown in Fig. 1, smart card payment system according to the preferred embodiment of the present invention includes smart card, card swiping terminal
Equipment and mobile phone.Triangular data interaction relationship is substantially as shown in Figure 1.
The card image of multiple Payment Cards is wherein stored in the smart card, the card image of every Payment Card includes card
Number, subscriber identity information.The brushing card terminal equipment has card reading module and wireless communication module, and the card reading module is for reading
It takes the card image in the smart card and the card image of reading is sent to the mobile phone via the wireless communication module.
The mobile phone can be smart phone, be used to show the card image and user is prompted to select Payment Card and authority to pay,
And after receiving the instruction of selected Payment Card and authority to pay of user's input, Xiang Suoshu brushing card terminal equipment it is described wireless
Communication module sends final payment instruction, to authorize the card swiping terminal to complete the payment of selected Payment Card.
According to certain embodiments of the present invention, as shown in Figure 1, smart card can have card reading chip, so as to card swiping terminal
Equipment (such as POS) reads the information or data stored in smart card.
Some preferred embodiments according to the present invention, the subscriber identity information includes user fingerprints information, described to award
The instruction of power payment is the fingerprinting-instruction for meeting the user fingerprints information.
Some preferred embodiments according to the present invention, the Payment Card include bank card, medical insurance card, transportation card, businessman
Member card, one of purchase card or a variety of.
Preferred embodiment present invention as described above, the present invention will be more in people's hand by way of Data Integration
Card number, the subscriber identity information that kind has payment card are integrated into a sheet smart card, then cooperate mobile phone in cCredit card payment process
In select Payment Card and the higher delivery operation of safety carried out by input password or the identification modes such as fingerprint.Wherein, it also answers
It, can be with list when mobile phone shows the card image and user is prompted to select Payment Card and authority to pay when understanding
Form shows the card image of multiple traditional payment cards and selects for user.
According to certain embodiments of the present invention, the smart card has information transmission modular, the information transmission modular
For carrying out information exchange with the mobile phone.
According to certain embodiments of the present invention, every smart card is tied to a mobile phone, wherein the mobile phone has
There is smart card administrative unit, the smart card administrative unit is used to increase according to the instruction of user, deletes and modify and the hand
Card image in the smart card of machine binding.
According to certain embodiments of the present invention, the smart card also has fingerprint recording module, the fingerprint typing mould
The user fingerprints information is sent to the hand by the information transmission modular for user fingerprints information described in typing by block
Machine.
Above embodiment according to the present invention realizes multi-use card, and more card informations are integrated into a sheet smart card,
In order to user's carrying, it is not easy to be lost, forgets.It may also be combined with the ease of use of current smart phone simultaneously, realize a variety of
The binding authority to pay of card and mobile phone further increases the convenience and safety of payment.
User, which gos out, may only need carrying mobile phone and smart card, so that it may handle and swipe the card in the mechanisms such as all trade companies and bank
Business is gone on a journey without carrying a large amount of card again, is forgotten to carry certain card without worrying, is saved social resources.
Although specific embodiments of the present invention have been described above, it will be appreciated by those of skill in the art that these
It is merely illustrative of, protection scope of the present invention is defined by the appended claims.Those skilled in the art is not carrying on the back
Under the premise of from the principle and substance of the present invention, many changes and modifications may be made, and these become
More protection scope of the present invention is each fallen with modification.
Claims (6)
1. a kind of smart card payment system, which is characterized in that it includes smart card, brushing card terminal equipment and mobile phone, wherein
The card image of multiple Payment Cards is stored in the smart card, the card image of every Payment Card includes card number, user
Identity information；
The brushing card terminal equipment has card reading module and wireless communication module, and the card reading module is for reading the smart card
In card image and the card image of reading is sent to the mobile phone via the wireless communication module；
The mobile phone is used to show the card image and user is prompted to select Payment Card and authority to pay, and is receiving user
After the selected Payment Card of input and the instruction of authority to pay, the wireless communication module of Xiang Suoshu brushing card terminal equipment is sent most
Whole payment instruction, to authorize the card swiping terminal to complete the payment of selected Payment Card.
2. smart card payment system as described in claim 1, which is characterized in that the subscriber identity information includes user fingerprints
Information, the instruction of the authority to pay are the fingerprinting-instruction for meeting the user fingerprints information.
3. smart card payment system as described in claim 1, which is characterized in that the Payment Card include bank card, medical insurance card,
One of transportation card, the member card of businessman, purchase card are a variety of.
4. smart card payment system as described in claim 1, which is characterized in that the smart card has information transmission modular,
The information transmission modular is used to carry out information exchange with the mobile phone.
5. smart card payment system as claimed in claim 4, which is characterized in that every smart card is tied to a hand
Machine, wherein the mobile phone has smart card administrative unit, the smart card administrative unit is used to be increased according to the instruction of user, delete
It removes and modifies and the card image in the smart card of the handset binding.
6. smart card payment system as claimed in claim 4, which is characterized in that the smart card also has fingerprint typing mould
Block, the fingerprint recording module are referred to the user by the information transmission modular for user fingerprints information described in typing
Line information is sent to the mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910092942.XA CN109636376A (en) | 2019-01-30 | 2019-01-30 | Smart card payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910092942.XA CN109636376A (en) | 2019-01-30 | 2019-01-30 | Smart card payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109636376A true CN109636376A (en) | 2019-04-16 |
Family
ID=66064244
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910092942.XA Withdrawn CN109636376A (en) | 2019-01-30 | 2019-01-30 | Smart card payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109636376A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104182874A (en) * | 2014-08-12 | 2014-12-03 | 北京橙鑫数据科技有限公司 | All-purpose card device, all-purpose card system and card information loading method |
| CN105868978A (en) * | 2016-03-25 | 2016-08-17 | 福建联迪商用设备有限公司 | NFC mobile payment method and system thereof |
| CN106447331A (en) * | 2016-03-16 | 2017-02-22 | 王乐思 | Fingerprint payment card and system and payment method |
| US20180150829A1 (en) * | 2016-11-25 | 2018-05-31 | Mastercard International Incorporated | System and method for use in performing an electronic transaction with a smart card |
-
2019
- 2019-01-30 CN CN201910092942.XA patent/CN109636376A/en not_active Withdrawn
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104182874A (en) * | 2014-08-12 | 2014-12-03 | 北京橙鑫数据科技有限公司 | All-purpose card device, all-purpose card system and card information loading method |
| CN106447331A (en) * | 2016-03-16 | 2017-02-22 | 王乐思 | Fingerprint payment card and system and payment method |
| CN105868978A (en) * | 2016-03-25 | 2016-08-17 | 福建联迪商用设备有限公司 | NFC mobile payment method and system thereof |
| US20180150829A1 (en) * | 2016-11-25 | 2018-05-31 | Mastercard International Incorporated | System and method for use in performing an electronic transaction with a smart card |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20191210 Address after: 201114 room 8, building 2388, 501 Chen Cheng Road, Shanghai, Minhang District Applicant after: CIG SHANGHAI Co.,Ltd. Address before: 201114 room 8, building 2388, 501 Chen Cheng Road, Shanghai, Minhang District Applicant before: CIG SHANGHAI Co.,Ltd. Applicant before: CIG ZHEJIANG Co.,Ltd. |
|
| TA01 | Transfer of patent application right | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20190416 |
|
| WW01 | Invention patent application withdrawn after publication |