CN111127001A - Method for loading financial function by identity card - Google Patents
Method for loading financial function by identity card Download PDFInfo
- Publication number
- CN111127001A CN111127001A CN201911369190.3A CN201911369190A CN111127001A CN 111127001 A CN111127001 A CN 111127001A CN 201911369190 A CN201911369190 A CN 201911369190A CN 111127001 A CN111127001 A CN 111127001A
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- bank
- financial
- identity card
- financial institution
- bank account
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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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- 238000000034 method Methods 0.000 title claims abstract description 21
- 230000005347 demagnetization Effects 0.000 abstract description 7
- 238000004900 laundering Methods 0.000 description 6
- 230000005389 magnetism Effects 0.000 description 4
- 230000007246 mechanism Effects 0.000 description 4
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 239000012141 concentrate Substances 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000007689 inspection Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- XUIMIQQOPSSXEZ-UHFFFAOYSA-N Silicon Chemical compound [Si] XUIMIQQOPSSXEZ-UHFFFAOYSA-N 0.000 description 1
- 230000002159 abnormal effect Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 210000004556 brain Anatomy 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 239000004065 semiconductor Substances 0.000 description 1
- 229910052710 silicon Inorganic materials 0.000 description 1
- 239000010703 silicon Substances 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
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
Abstract
The invention relates to the technical field of financial account management, in particular to a method for loading financial functions by an identity card, which comprises the following steps: the writing terminal receives a request of a financial institution for writing financial data, and writes the financial data into the identity card, wherein the financial data comprises a bank account number, a bank password and balance information; the bank account and the balance information are written into a storage chip of the identity card by the writing terminal, and the bank password is written into an encryption module of the identity card by the writing terminal. By adopting the invention, the personal account information of a plurality of bank cards can be loaded into the resident identification card, the issuing quantity of the bank cards is reduced, the operation cost of each financial institution is saved, and the phenomenon of magnetic mixing or demagnetization caused by carrying a plurality of bank cards by a user is avoided, thereby bringing great convenience to the user.
Description
Technical Field
The invention relates to the technical field of financial account management, in particular to a method for loading financial functions on an identity card.
Background
The bank card refers to a credit payment instrument approved to be issued to society by a financial institution and having all or part of functions of consuming credit, transferring settlement, accessing cash, and the like. The bank card reduces the circulation of cash and checks, and makes banking business break through the time and space limitations, and has fundamental changes. The application of the bank card automatic settlement system realizes the dream of a check-free and cash-free society. By the end of 2018, the number of all nationwide bank cards issued is 75.97 hundred million. China all hold 5.46 bank cards. The cost of the bank card is about 4 yuan/card, so the operation cost of the financial institution is greatly increased.
Because financial institution service providers of various bank cards are different, everyone can carry various bank cards, the card taking by mistake can often occur, and the various cards are put together and easily cause the phenomena of magnetism mixing or demagnetization, and the situations can bring great inconvenience to the user.
The resident identity card is a legal certificate for proving the identity of a holder, and each legal citizen in China has an identity card of the legal citizen. If combine the financial function of bank card and resident identification card's information together, the quantity of granting of the bank card that will significantly reduce practices thrift each financial institution's operation cost, and the user need not carry many bank cards in addition and causes thoughtlessly magnetism or demagnetization phenomenon, brings very big facility for the user.
Disclosure of Invention
The invention aims to provide a method for loading financial functions on an identity card, which can load financial data of a plurality of personal bank cards into a resident identity card, reduce the issuing quantity of the bank cards, save the operation cost of each financial institution, avoid the phenomenon of magnetic mixing or demagnetization caused by carrying the plurality of bank cards by a user and bring great convenience to the user.
The embodiment of the invention is realized by the following steps:
a method of loading financial functions on an identification card, comprising the identification card, the method comprising: the writing terminal receives a request of a financial institution for writing in financial data, and writes the financial data into the identity card, wherein the financial data comprises a bank account number, a bank password and balance information; and the bank account and balance information are written into the memory chip of the identity card by the writing terminal, and the bank password is written into the encryption module of the identity card by the writing terminal.
In some embodiments of the invention, the bank account number is generated by the financial institution before the writing terminal writes the financial data into the identification card.
In some embodiments of the present invention, the rule for the financial institution to generate the bank account is:
the bank account is the bank number of the financial institution in the people's bank, the identification number and the sub-account corresponding to the financial institution.
The bank account number is composed of three parts, the bank number of the financial institution in the people bank can directly distinguish which financial institution the account belongs to, the resident identification number can directly distinguish the personal identity information, and the sub-account number corresponding to the financial institution can distinguish a plurality of bank account numbers handled by the user in the financial institution.
In some embodiments of the present invention, the sub-account numbers corresponding to the financial institutions are sequentially increased.
In some embodiments of the present invention, the number of the bank account numbers is multiple, and each bank account number corresponds to one bank password.
In some embodiments of the present invention, before the writing terminal writes the financial data into the identification card, the financial institution obtains a use permission of the identification card information in a public security department.
In some embodiments of the present invention, the bank account is managed by a people's bank.
Currently, each financial institution is independently operated, for example, when a court and a check yard inquire the assets of a user, the user needs to inquire the assets in each bank where a bank card account is located under the name of the user, and the law enforcement efficiency is low. And along with the development of network, financial crimes are more and more, mainly concentrate on criminal activities such as money laundering, because criminals handle a plurality of bank cards at a plurality of financial institutions respectively, cause financial supervisory institution to the supervision degree of difficulty of financial crimes such as anti-money laundering big.
According to the invention, collection and return management are carried out by the people's bank through the bank account number, so that the law enforcement efficiency of the court and the inspection yard is improved, the financial supervision mechanism can directly supervise the account number through the people's bank, and the supervision strength of the financial supervision mechanism on financial crimes such as money laundering and the like is greatly enhanced.
In some embodiments of the present invention, the bank account is queried, frozen, and debited by a national authority.
The embodiment of the invention at least has the following advantages or beneficial effects:
the invention provides a method for loading financial functions on an identity card, which can load financial data of a plurality of personal bank cards into the identity card, reduce the issuing quantity of the bank cards, save the operation cost of each financial institution, avoid the phenomenon of mixed magnetism or demagnetization caused by carrying the plurality of bank cards by a user, and bring great convenience to the user.
And each bank card loaded into the identity card is respectively provided with a corresponding bank account number, so that a user can conveniently distinguish which financial institution each account number belongs to, and each national authority department can conveniently inquire and count the bank account number information of each user.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments.
Thus, the following detailed description of the embodiments of the present invention is not intended to limit the scope of the invention as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Examples
The embodiment provides a method for loading financial functions on an identity card, which comprises the following steps: the writing terminal receives a request of a financial institution for writing financial data, and writes the financial data into the identity card, wherein the financial data comprises a bank account number, a bank password and balance information; the bank account and the balance information are written into a storage chip of the identity card by the writing terminal, and the bank password is written into an encryption module of the identity card by the writing terminal.
In actual work, the inventor finds that customers who transact bank cards by the same financial institution often transact a plurality of bank cards, and the customers who request to replace the bank cards because the bank cards are demagnetized are not few. In the present stage, most banks usually transact bank cards for free in order to pull up more customers, and the cost of one bank card is about 4 yuan, so that the transaction of a large number of bank cards for free brings great operation cost to financial institutions.
Because each resident has an identity card, the inventor designs to write the identity card into financial data, the financial data is written into the identity card by a financial institution through a write-in terminal, and the financial data comprises a bank account number, a bank password and balance information; the bank account and the balance information are written into the storage chip by the financial institution through the writing terminal, and the bank password is written into the encryption module by the financial institution through the writing terminal.
The specific implementation mode is as follows:
at present, the second generation identity card is used by Chinese residents, and the IC chip adopted by the second generation identity card is composed of 4 parts, namely a radio frequency antenna, a storage chip, an encryption module and a control chip. The storage part adopts a semiconductor storage chip, namely a silicon storage technology, bank account numbers and balance information are written into the storage chip by a financial institution through a write-in terminal, and bank passwords are written into the encryption module by the financial institution through the write-in terminal.
Because the information is rewritable, in order to ensure the anti-counterfeiting performance and uniqueness of the information, the encryption module of the resident identification card adopts a plurality of encryption technologies specified by the national commercial password management office. Therefore, the encryption module can be used for encrypting the bank password related to the financial data, and the safety of the financial function is improved.
The write-in terminal is a write-in system for writing data when the public security department makes the identity card, and the safety is high. The CVR-100A second generation resident identification card reader can also be selected, the CVR-100A second generation resident identification card reader adopts the international advanced typeB non-contact IC card reading technology, adopts a wireless transmission mode, reads out personal information data in the chip and uploads the information to a computer through an embedded special security control module (SAM), and the CVR-100A second generation resident identification card reader can also be used for modifying data in the identification card. The equipment is simple and elegant, small in size and simple and convenient to operate, so that bank account information in the resident identification card is read through the CVR-100A second generation resident identification card reader, and the equipment is convenient to install, convenient and fast to use and high in safety.
The control module is the brain of the whole chip, various programs of the normal work of the identity card chip are stored in the control module, the control module comprises a communication protocol, a read-write protocol and the like, the control module has the computing capability and needs to be used for carrying out various operations. Through a read-write protocol in the control module, information related to financial data is read through equipment, so that a user can inquire information of each bank account and balance information in the bank account.
In actual use:
because the identity card readers are installed on the ATM at present, when a user operates on the ATM, the user only needs to put the resident identity card on the reader to read information and then display the information on the ATM for the user to select services such as deposit, withdrawal, transfer and the like, so that the operation on the ATM is basically consistent by using the bank card in peacetime, more complicated operations can not be performed, and the trouble of using the ATM can not be caused to the user.
In other places needing to be used, such as bank counters, public security and the like, a second-generation resident identification card reader is installed, and the financial data information in the identification card is read by the second-generation resident identification card reader for the user to check and select.
Therefore, by adopting the method, the account information of a plurality of personal bank cards can be written into the resident identification card, the issuing quantity of the bank cards is reduced, the operation cost of each financial institution is saved, and the phenomenon of magnetic mixing or demagnetization caused by carrying of the plurality of bank cards by a user is avoided at ordinary times, thereby bringing great convenience to the user.
Specifically, in some embodiments of the invention, the bank account number is generated by the financial institution before the writing terminal writes the financial data into the identification card.
Specifically, in some embodiments of the present invention, the above-mentioned rule for the financial institution to generate the bank account number is:
the bank account is the bank number of the financial institution in the people's bank, the identification number and the sub-account corresponding to the financial institution.
For example, the line number of a financial institution at a people's bank is: 1111, the resident identification number is: 2222, if the sub-account number corresponding to the financial institution is 0001, the bank account number is: 111122220001.
the bank account number consists of three parts:
the first part is the bank number of the financial institution in the people's bank, and the bank number of the financial institution in the people's bank can directly distinguish which financial institution the bank account belongs to. For example, the line number of a Chinese bank at a people's bank is 1234, and the first digits of a bank account are 1234, so that a financial institution to which the bank account belongs can be known at a glance when inquiring the bank account information of a certain person.
The second part is the resident identification card number, so the individual identity information can be directly distinguished according to the resident identification card number.
And the third part is a sub-account corresponding to the financial institution, and when the user transacts a plurality of bank accounts in the same financial institution, the account information corresponding to the first part and the second part is the same, so that the plurality of bank accounts transacted in the financial institution by the user are distinguished through the sub-account.
Specifically, in some embodiments of the present invention, the sub-account numbers corresponding to the financial institutions are sequentially increased.
For example, the number corresponding to the first sub-account number is 0001; the number corresponding to the second sub-account is 0002, and so on, so that how many bank accounts the user transacts in the financial institution can be directly checked out.
Specifically, in some embodiments of the present invention, the number of the bank account numbers is multiple, and each bank account number corresponds to one bank password.
Because each bank card at the present stage can be provided with a password, in order to prevent embezzlement by others and increase the security and confidentiality of each bank account number in the resident identification card, each bank account number can be provided with an independent password according to the needs of the user, and the passwords can be set according to the wishes of the user and can be the same or different.
Specifically, in some embodiments of the present invention, before the writing terminal writes the financial data into the identification card, the financial institution obtains a use permission of the identification card information in a public security department.
Because the resident identity information can not be used at will, after the use permission of the public security department is obtained, the resident identity information is loaded into the resident identity card by the financial institution, and the financial institution can distinguish and manage each bank account number loaded in the resident identity card conveniently.
Specifically, in some embodiments of the present invention, the bank account is managed by a people's bank for collection and returning.
Currently, each financial institution is independently operated, for example, when a court and a check yard inquire the assets of a user, the user needs to inquire the assets in each bank where a bank card account is located under the name of the user, and the law enforcement efficiency is low. And along with the development of network, financial crimes are more and more, mainly concentrate on criminal activities such as money laundering, because criminals handle a plurality of bank cards at a plurality of financial institutions respectively, cause financial supervisory institution to the supervision degree of difficulty of financial crimes such as anti-money laundering big.
According to the invention, collection and return management are carried out by the people's bank through the bank account number, so that the law enforcement efficiency of the court and the inspection yard is improved, the financial supervision mechanism can directly supervise the account number through the people's bank, and the supervision strength of the financial supervision mechanism on financial crimes such as money laundering and the like is greatly enhanced.
Specifically, in some embodiments of the present invention, the bank account is queried, frozen, and debited by a national authority.
When the national authority departments such as a bank protection and supervision bureau, a people bank, a court, a monitoring center and the like inquire that the bank account number is abnormal, the bank account number can be frozen, balance can be allocated and the like, and the outflow of abnormally accumulated funds through crimes and the like is prevented.
In summary, an embodiment of the present invention provides a method for loading a financial function on an identity card, including the identity card, the method including: the writing terminal receives a request of a financial institution for writing financial data, and writes the financial data into the identity card, wherein the financial data comprises a bank account number, a bank password and balance information; the bank account and the balance information are written into a storage chip of the identity card by the writing terminal, and the bank password is written into an encryption module of the identity card by the writing terminal.
It can reduce the granting quantity of bank card in loading individual many bank card financial data to the ID card, practices thrift each financial institution's operation cost, and the user need not carry many bank cards in addition and causes thoughtlessly magnetism or demagnetization phenomenon, brings very big facility for the user.
And each bank card loaded into the identity card is respectively provided with a corresponding bank account number, so that a user can conveniently distinguish which financial institution each account number belongs to, and each national authority department can conveniently inquire and count the bank account number information of each user.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. A method for loading financial functions by an identity card, comprising the identity card, wherein the method comprises: the writing terminal receives a request of a financial institution for writing in financial data, and writes the financial data into the identity card, wherein the financial data comprises a bank account number, a bank password and balance information; and the bank account and balance information are written into the memory chip of the identity card by the writing terminal, and the bank password is written into the encryption module of the identity card by the writing terminal.
2. The method for loading financial functions into an identity card of claim 1, wherein the bank account number is generated by a financial institution before the writing terminal writes financial data into the identity card.
3. The method for loading financial functions on identity card according to claim 2, wherein the rules for generating bank account number by financial institution are:
the bank account is the bank number of the financial institution in the people's bank, the identification number and the sub-account corresponding to the financial institution.
4. The method for loading financial functions on identity card according to claim 3, wherein the sub-account numbers corresponding to the financial institutions are increased in sequence.
5. The method for loading financial functions on identity card according to claim 1, wherein the number of the bank account numbers is multiple, and each bank account number has a bank password.
6. The method for loading financial functions on identity card according to claim 1, further comprising the financial institution obtaining the use permission of the identity card information in the public security department before the writing terminal writes the financial data into the identity card.
7. The method for loading financial functions into an identity card as recited in claim 1, wherein the bank account is managed by a people's bank for collection and returning.
8. The method for loading financial functions on identity card according to claim 1, wherein the bank account number is queried, frozen and deducted by the national authority.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911369190.3A CN111127001A (en) | 2019-12-26 | 2019-12-26 | Method for loading financial function by identity card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911369190.3A CN111127001A (en) | 2019-12-26 | 2019-12-26 | Method for loading financial function by identity card |
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| Publication Number | Publication Date |
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| CN111127001A true CN111127001A (en) | 2020-05-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911369190.3A Pending CN111127001A (en) | 2019-12-26 | 2019-12-26 | Method for loading financial function by identity card |
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| CN202267980U (en) * | 2011-10-14 | 2012-06-06 | 西北工业大学 | Multifunctional integrated identity card |
| CN102509394A (en) * | 2011-11-01 | 2012-06-20 | 卢清伟 | Multi-account management system based on IC (identification card) and identification password combined login |
| US20130126604A1 (en) * | 2011-11-23 | 2013-05-23 | Richard Tabor | All-card-in-one system |
| CN103854382A (en) * | 2012-12-06 | 2014-06-11 | 黄慧广 | Device with identity card loading finance function |
| CN104899738A (en) * | 2015-04-30 | 2015-09-09 | 阿克苏智安信息技术有限公司 | Identity card payment and fund storage system and method |
-
2019
- 2019-12-26 CN CN201911369190.3A patent/CN111127001A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20080281740A1 (en) * | 2007-05-08 | 2008-11-13 | Ming-Yuan Wu | Secure card with stored biometric data and method for using the secure card |
| CN101474924A (en) * | 2009-01-20 | 2009-07-08 | 庄秀宝 | Intelligent IC identification card |
| CN101540083A (en) * | 2009-04-16 | 2009-09-23 | 成都方程式电子有限公司 | Method utilizing ID card number as bank account number and adopting fingerprint for ID authentication |
| CN202267980U (en) * | 2011-10-14 | 2012-06-06 | 西北工业大学 | Multifunctional integrated identity card |
| CN102509394A (en) * | 2011-11-01 | 2012-06-20 | 卢清伟 | Multi-account management system based on IC (identification card) and identification password combined login |
| US20130126604A1 (en) * | 2011-11-23 | 2013-05-23 | Richard Tabor | All-card-in-one system |
| CN103854382A (en) * | 2012-12-06 | 2014-06-11 | 黄慧广 | Device with identity card loading finance function |
| CN104899738A (en) * | 2015-04-30 | 2015-09-09 | 阿克苏智安信息技术有限公司 | Identity card payment and fund storage system and method |
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Application publication date: 20200508 |