CN110610221A - GPR card with multiple cards integrated - Google Patents
GPR card with multiple cards integrated Download PDFInfo
- Publication number
- CN110610221A CN110610221A CN201810623144.0A CN201810623144A CN110610221A CN 110610221 A CN110610221 A CN 110610221A CN 201810623144 A CN201810623144 A CN 201810623144A CN 110610221 A CN110610221 A CN 110610221A
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- China
- Prior art keywords
- card
- gpr
- fund
- user
- preset
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- 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
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
-
- 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
Abstract
The invention discloses a GPR card integrating multiple cards, which is used for combining various different transaction cards into a GPR card with a fixed card number and enabling a user to select and switch the card types according to the requirement, and comprises the following components: the system comprises a transmission unit, a storage unit, a payment unit, a display, an operation interface, a rechargeable battery and a microprocessor. The transmission unit is connected with the intelligent device in an online manner and transmits a plurality of acquired fund providing sources to the storage unit for storage, wherein the fund providing sources are data of various transaction cards held by the user; the display and the operation interface are used for allowing a user to view and determine one fund providing source selection as a preset fund option, and then the preset fund option is provided for a third party API service provider with a plurality of data pre-loaded by the user; the payment unit provides the fixed card number to the point of sale, and the microprocessor manages all other components of the GPR card.
Description
Technical Field
The invention relates to a universal reloadable card for financial transactions, in particular to a GPR card integrating multiple cards, which can integrate all types of transaction cards of a user on a single card for self-selection.
Background
With the progress of the 21 st century, we have seen that more and more credit cards, debit cards, gift cards and membership cards are commonly used throughout the world. Many users have multiple cards on their person, and the problem is that they have so many cards on their hands, but it is difficult to track their usage. Many users receive gift cards from friends or family, which are particularly difficult to track. Many of these types of cards can only operate in a set position. As gift cards age, they are forgotten and/or lost if not used for a relatively short time after retrieval.
Clearly, a platform is needed that allows a user to incorporate all cards of any type into one application (for managing all money) on a smart device or smart phone, and to fund GPR cards for a single fixed card number through multiple fund sources that the user has pre-configured.
Disclosure of Invention
In order to solve the technical problem, the invention aims to: a GPR card with fixed card number is provided, various different types of transaction cards (such as credit cards, account signing cards, gift cards, financial cards, membership cards and the like) owned by a user are jointly integrated in a single GPR card, so that the user can select and switch fund supply sources of a plurality of transaction cards according to different requirements of lines, regions, preferential offers and the like.
The secondary objective of the present invention is to select and switch the types of transaction cards independently on the GPR card without taking out an intelligent device for two operations, thereby simplifying the multi-card-in-one payment process and shortening the transaction time.
In order to realize the purpose, the technical scheme adopted by the invention is as follows: a multi-card-in-one GPR card with a fixed card number comprises:
the system comprises at least one transmission unit, a data processing unit and a data processing unit, wherein the transmission unit can be connected with an intelligent device and obtains a plurality of fund providing sources stored in the intelligent device, and the fund providing sources are any data of various different transaction cards input by a user;
a storage unit for storing a plurality of said funding sources;
the display is arranged on the surface of the GPR card and can display a plurality of fund supply sources;
the operation interface is arranged on the surface of the GPR card and is used for the user to select one of the multiple fund providing sources displayed by the display;
a plurality of payment units capable of transmitting the fixed card number to a point of sale;
a rechargeable battery;
the microprocessor is electrically connected among the at least one transmission unit, the storage unit, the plurality of payment units, the display, the operation interface and the rechargeable battery;
and the fund providing source determined by the user is used as a preset fund option, and the preset fund option is provided to a third party API service provider, and the third party API service provider has a plurality of data which are pre-loaded with different transaction cards by the user.
The user selects from the GPR card and indirectly provides the preset fund option to the third party API service provider by connecting to an application program installed in the intelligent device.
According to the GPR card with multiple cards combined in one, the data which accord with the preset fund option is set as preset data by the third-party API service provider, the data can be connected to an issuer corresponding to the preset data, and a deduction request of a payment transaction amount is transmitted.
The GPR card with multiple cards unified comprises: the antenna comprises a BLE wireless Bluetooth antenna, an NFC antenna of an EMV chip and/or an LTE SIM card.
The GPR card of the multi-card unification, the plurality of payment units comprising: a magnetic stripe, an EMV chip and an LTE SIM card.
The display and the operation interface of the multi-card-in-one GPR card form a touch screen for the user to directly click.
Compared with the prior art, the invention adopting the technical scheme has the advantages that: the GPR card can store the fund providing source, and a user can directly operate the fund providing source option through the display and the operation interface, so that the fund providing source can be independently switched on the GPR card, the payment process of integrating multiple cards is simplified, and the transaction time is shortened.
Drawings
FIG. 1 is a block diagram of a GPR card of the present invention;
FIG. 2 is a number diagram of a GPR card fixed card number according to the present invention;
FIG. 3 is a diagram of a system for using an intelligent device to establish data in a GPR card and a third party API service provider;
FIG. 4 is a schematic diagram of a system for transaction checkout using a pre-established funding source for a GPR card of the present invention; and
FIG. 5 is a schematic diagram of a system for changing a default funding source using a GPR card of the present invention.
Description of reference numerals: 10-GPR card; 11-a display; 111-color touch screen; 12-an operation interface; 121-key press; 13-fixed card number; 14-EMV chip; 15-a transmission unit; 16-a storage unit; 17-a payment unit; 18-a rechargeable battery; 19-a microprocessor; a 20-BLE Bluetooth antenna; 21-an NFC antenna; 22-LTE SIM card; 23-a magnetic strip; 24-a first line; 25-a second line; 26-a third line; 27-a fourth line; 30-a smart device; 31-an application program; 40-a funding source; 41-preset funds option; 50-point of sale; 60-a payment track; 70-third party API service provider; 71-GPR card account; 80-issuing agency.
Detailed Description
The invention will be further described with reference to specific embodiments and drawings, the advantages and features of which will become apparent as the description proceeds.
Referring to fig. 1, a General Purpose reusable Card (GPR) Card 10 of the present invention mainly enables a user to integrate and manage his own transaction cards, the surface of the GPR Card 10 has a display 11, an operation interface 12, a fixed Card number 13 with 16 digits in total, and an EMV chip 14, as shown in the figure, the display 11 is configured as a color touch screen 111, and a plurality of keys 121 are disposed below the color touch screen 111 to form the operation interface 12 together, so that the user can directly click the screen or press the keys 121 to select.
However, this is for convenience of illustration only, and not for limitation, that is, the display 11 may be configured as a black and white screen, the operation interface 12 is configured by a plurality of keys 121, or the operation interface 12 and the display 11 are both configured by a single color touch screen 111.
Referring to fig. 2, the fixed card Number 13 is a 16-digit Number, the 1 st code from the left to the right represents a Main Industry Identifier (MII), the 1 st to the 6 th codes represent an Issue Identifier (IIN) or a Bank Identifier (BIN), the 7 th to the 15 th codes represent an Account Identifier/Number (Account Identifier/Number), and the 16 th code represents a Checksum (Checksum), so that the Issuer can be identified by the issue Identifier of the fixed card Number 13, and a GPR card Account established by the Issuer through the Account Identifier can be known.
Referring to fig. 1, the GPR card 10 is internally provided with at least one transmission unit 15, a plurality of payment units 16, a storage unit 17, a rechargeable battery 18 and a microprocessor 19, wherein the at least one transmission unit 15 can be connected to an intelligent device 30 (such as a mobile phone, a tablet or a computer) and obtain a plurality of fund providing sources 40 stored in the intelligent device 30, the fund providing sources 40 are obtained by a user inputting any one of various transaction cards into the intelligent device 30, as shown in the figure, the at least one transmission unit 15 may include a BLE bluetooth antenna 20, an NFC antenna 21 of the EMV chip 14 and an LTE SIM card 22/LTE card/chip.
In addition, the payment unit 16 mainly transmits the fixed card number 13 of the GPR card 10 to a Point of Service (POS), as shown in the figure, the GPR card 10 is a fixed card number card with multiple payment technologies, and the payment units 16 are respectively a magnetic stripe 23, an EMV chip 14, and an LTE SIM card 22. However, the foregoing description is only for example and is not intended to limit the aspects of the transmission unit 15 and the payment unit 16. And the storage unit 17 is used for storing the plurality of funds supply sources 40.
The rechargeable battery 18 may be configured to present any charging technology currently used by the public, such as: the rechargeable battery 18 is provided with a nano solar panel embedded in the surface of the GPR card 10 for charging; the rechargeable battery 18 is provided with a miniature charging port located outside the GPR card 10 for charging; in addition, the rechargeable battery 18 may be equipped with an induction coil for wireless charging.
The microprocessor 19 is electrically connected between the display 11, the operation interface 12, the at least one transmission unit 15, the plurality of payment units 16, the storage unit 17, and the rechargeable battery 18, and the microprocessor 19 is configured to manage message transmission among the BLE bluetooth antenna 20, the LTE SIM card 22, the color touch screen 111, the magnetic stripe 23, the NFC antenna 21, the EMV chip 14, the plurality of keys 121, and other components.
Referring to fig. 3, the transmission units 15 of the GPR card 10 of the present invention are connected to the intelligent device 30 via a first line 24 or a second line 25 of wireless communication, as shown in the figure, the first line 24 is a BLE bluetooth communication line, and the second line 25 is an LTE SIM card communication line, so that the GPR card 10 can directly or indirectly communicate with the internet, a proxy server or a cloud via one of the cellular internet, the payment rail 60 and an application 31 stored in the intelligent device 30.
The intelligent device 30 is loaded or installed with an intelligent financial management Application 31 (APP), and the APP 31 of the intelligent device 30 is connected to a third party API service provider 70 through the internet or the third line 26 of the cellular line.
The application 31 is primarily intended to allow the user to add funds supply 40 for various types of transaction cards in possession, including bank accounts, checking accounts, credit card accounts, and even cryptocurrency, to the source 40.
In a preferred embodiment, the user may manually add his card by directly entering the 16-digit card number of the transaction card on the application 31; in another possible embodiment, the user may directly photograph the transaction card, for example: visa card, Master card, american express card, etc., to automatically add the funding source 40 of the application 31; in yet another possible embodiment, the user may automatically add the funding source 40 to the application 31 by scanning a bar code that may be read by a camera built into the smart device 30 or a bar code reader.
The user would use the GPR card 10 to merge transaction cards of various genres he owns. The GPR card 10 must first be activated using the 16 digit fixed card number 13, either through an application 31, a web site, telephone, short message, email, or any other known technique. In this embodiment, the GPR card 10 of the present invention is launched by the application 31 of the smart device 30 such that the GPR card 10 is in an active state ready for use.
Then, the user adds the data of all transaction cards as the fund providing sources 40 and the fixed card number 13 of the GPR card 10 to the application program 31, and sets one of the fund providing sources 40 as a preset fund option 41 in advance in the application program 31, once the preset fund option 41 is set, the user can conveniently switch to the corresponding fund providing source 40 according to different use requirements or standards by operating the GPR card 10 to select the fund providing source 40 in the transaction settlement process performed at a later time without additionally opening the application program 31 of the intelligent device 30 to reset the fund providing source 40.
In addition, the third party API service provider 70 is provided with a plurality of Application Programming Interfaces (APIs). An application programming interface is a set of subroutine definitions, protocols and tools used to construct application software. Generally, it is a well-defined set of communication methods between various software components. The API can be used for a webpage system, an operating system, a database system and a hardware and software library of a computer.
The third party API service provider 70 mainly opens the GPR card account 71 according to the fixed card number 13 of the GPR card 10 held by each user, and stores all the fund providing sources 40 and the preset fund options 41 corresponding to the input of the application program 31 in the GPR card account 71 respectively to form a database system integrating all users, so that the third party API service provider 70 has a plurality of data for users to load different transaction cards in advance. Thereby allowing each user more flexibility to customize the GPR card 10 funding source 40 in real-time via the third party API platform service provider 111.
Referring to fig. 4, when the user intends to purchase a commodity and decides to use the Visa card that has been pre-loaded into the application 31, the user will take out the GPR card 10 for checkout at the point of sale 50 at the commodity sales location.
Wherein the GPR card 10 may initiate transactions using any of the three techniques described subsequently, the first way being to swipe the card through the magnetic stripe 23 to initiate a transaction; the second way is to insert the EMV chip 14 into a card reading device at the point of sale 50 to initiate a contact transaction; and a third way is to initiate a contactless transaction using the NFC antenna 21 to induce in the vicinity of the near field communication device.
Subsequently, the point-of-sale 50 searches for the fund provider 40 via a payment track 60 on a wired communication network, at this time, the point-of-sale 50 will be guided to the database system of the third party API service provider 70 in the payment track 60 to search for the fund provider 40 according to the 16-bit digital information of the GPR card 10, and the third party API service provider 70 will deduct the transaction amount from the Visa card account of the corresponding issuer according to the preset fund option 41 in the database system and add the deduction to the GPR card account 71. Once the GPR card account 71 has been paid for the transaction amount by the user's Visa card account, the third party API service provider 70 will provide the transaction amount to the point of sale 50 through the payment rail 60, and the transaction process of deducting money from the Visa card account and GPR card account 71 can be completed in a short time of 200 ms, and there will not be any balance in the GPR card account 71 after the transaction is completed, which greatly improves the security of use.
Referring to fig. 5, since the user originally sets the Visa card as the default fund option 41, when the user wants to purchase another product that is favorable for the Master card, the user must select the Master card as the fund provider 40 on the color touch screen 111 of the GPR card 10 because the Master card is not the default fund option 41. The user changes the information of the plurality of fund providing sources 40 displayed by the color touch screen 111 by pressing the key 121 until the Master card appears in the sight range, and then sets the Master card selection as the preset fund option 41 by clicking the color touch screen 111 or pressing the key 121.
Once the user selects the Master card as the funding source 40, in a possible embodiment, the GPR card 10 transmits the re-selected default funding option 41 to the smart device 30 via the first line 24 of the BLE bluetooth antenna 20 or the second line 25 of the LTE SIM card 22, and the application 31 of the smart device 30 transmits the funding option to the third party API service provider 70 via the cellular network or Wi-Fi hotspot of the smart device 30 after receiving the default funding option 41. In another possible embodiment, the default fund option 41 may also be directly transmitted to the third party API service provider 70 through a fourth line 27 via the GPR card 10 LTE-built SIM card 22.
After receiving the change of the preset fund option 41 and the fixed card number 13 from the GPR card 10 or the intelligent device 30, the third party API service provider 70 searches a GPR card account 71 corresponding to the fixed card number 13 in the database system, and changes the original preset fund option 41Visa card in the GPR card account 71 to a preset fund option 41Master card meeting the new setting.
Since the funding source 40 has been changed from Visa card to Master card, when the user performs subsequent check-out at the point-of-sale 50 in one of the three manners, the point-of-sale 50 also communicates with the third party API service provider 70 via the payment track 60 to find the funding source 40. The third party API service provider 70 deducts the transaction amount from the Master card account of the corresponding issuer 80 according to the preset fund option 41 changed to the Master card, and adds the deduction to the GPR card account 71.
When the GPR card account 71 once accessed by the user's Master card account for a transaction amount, the third party API service provider 70 will provide the transaction amount to the point of sale 50 via the payment track 60, again within a short time of 200 milliseconds.
In addition, the user wants to perform a transaction with a virtual terminal on the internet, and the GPR card 10 of the present invention can also be used to initiate a transaction by virtualizing the GPR card 10 on the internet. When a user fills a shopping cart of a shopping website with a required commodity number for subsequent checkout, the shopping website displays a page of fixed card number 13 which requires the user to input the GPR card 10.
At this time, the user may take out the GPR card 10 and click a desired fund providing source 40 (e.g., china union pay card) as the preset fund option 41 through a button or a color touch screen 111, and the third party API service provider 70 may set the china union pay card as preset data according to the notification of the GPR card 10, and may connect to the china union pay limited company corresponding to the preset data and transmit a deduction request for paying the transaction amount.
Subsequently, the user inputs the fixed card number 13 into the shopping website, the shopping website provides the fixed card number 13 and a transaction amount to the third party API service provider 70 through the payment rail 60, the third party API service provider 70 deducts the transaction amount from a union pay card account, and adds the deduction to the GPR card account 71, so that the shopping website can obtain the transaction amount from the third party API service provider 70 through the payment rail 60.
As can be seen from the foregoing description, the present invention mainly allows the user to directly select on the GPR card 10 and indirectly provide the default fund option 41 to the third party API service provider 70 by connecting to an application 31 installed in the smart device 30; subsequently, the third party API service provider 70 sets the data meeting the predetermined fund option 41 as predetermined data, and can connect to the issuer 80 corresponding to the predetermined data and transmit a deduction request for payment of the transaction amount.
This allows the user to instruct any point-of-sale or internet virtual terminal to look for the funds provider 40 of the GPR card account 71 at the third party API service provider 70 through the BIN/IIN of the GPR card 10 and account identifier during any point-of-sale, virtual terminal or virtual point-of-sale transaction, and the pre-set funds option 41 in the GPR card account 71 can be changed by the user at any time.
The foregoing description and examples are exemplary only, and are not intended to limit the scope of the invention in any way. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention, and that such changes and modifications may be made without departing from the spirit and scope of the invention.
Claims (6)
1. A GPR card with multiple cards integrated has a fixed card number, which includes:
the system comprises at least one transmission unit, a data processing unit and a data processing unit, wherein the transmission unit can be connected with an intelligent device and obtains a plurality of fund providing sources stored in the intelligent device, and the fund providing sources are any data of various different transaction cards input by a user;
a storage unit for storing a plurality of said funding sources;
the display is arranged on the surface of the GPR card and can display a plurality of fund supply sources;
the operation interface is arranged on the surface of the GPR card and is used for the user to select one of the multiple fund providing sources displayed by the display;
a plurality of payment units capable of transmitting the fixed card number to a point of sale;
a rechargeable battery;
the microprocessor is electrically connected among the at least one transmission unit, the storage unit, the plurality of payment units, the display, the operation interface and the rechargeable battery;
and the fund providing source determined by the user is used as a preset fund option, and the preset fund option is provided to a third party API service provider, and the third party API service provider has a plurality of data which are pre-loaded with different transaction cards by the user.
2. The multi-card-in-one GPR card of claim 1, characterized in that: and the user selects from the GPR card and indirectly provides the preset fund option to the third party API service provider by connecting to an application program installed in the intelligent device.
3. The multi-card-in-one GPR card of claim 2, characterized in that: and the third party API service provider sets the data which accords with the preset fund option as preset data, can be connected to an issuer corresponding to the preset data, and transmits a deduction request for paying the transaction amount.
4. The multi-card-in-one GPR card of claim 1, characterized in that: the at least one transmission unit includes: the antenna comprises a BLE wireless Bluetooth antenna, an NFC antenna of an EMV chip and/or an LTE SIM card.
5. The multi-card-in-one GPR card of claim 1, characterized in that: the plurality of payment units includes: a magnetic stripe, an EMV chip and an LTE SIM card.
6. The multi-card-in-one GPR card of claim 1, characterized in that: the display and the operation interface are combined to form a touch screen for the user to directly click.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810623144.0A CN110610221A (en) | 2018-06-15 | 2018-06-15 | GPR card with multiple cards integrated |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810623144.0A CN110610221A (en) | 2018-06-15 | 2018-06-15 | GPR card with multiple cards integrated |
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| Publication Number | Publication Date |
|---|---|
| CN110610221A true CN110610221A (en) | 2019-12-24 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810623144.0A Pending CN110610221A (en) | 2018-06-15 | 2018-06-15 | GPR card with multiple cards integrated |
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| CN (1) | CN110610221A (en) |
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| US8725639B1 (en) * | 2011-06-20 | 2014-05-13 | Amazon Technologies, Inc. | Coupling prepaid debit cards to online stored-value accounts |
| KR101568814B1 (en) * | 2014-05-13 | 2015-11-16 | (주)바이오스마트 | Card capable of charging a battery by contact type or non-contact type |
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Application publication date: 20191224 |