CN113362497A - Innovative application mode of intelligent digital key-digital wallet - Google Patents
Innovative application mode of intelligent digital key-digital wallet Download PDFInfo
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- CN113362497A CN113362497A CN202110461224.2A CN202110461224A CN113362497A CN 113362497 A CN113362497 A CN 113362497A CN 202110461224 A CN202110461224 A CN 202110461224A CN 113362497 A CN113362497 A CN 113362497A
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- 206010039203 Road traffic accident Diseases 0.000 claims description 2
- 238000005516 engineering process Methods 0.000 abstract description 4
- 230000001737 promoting effect Effects 0.000 abstract description 2
- 230000009977 dual effect Effects 0.000 abstract 1
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000000034 method Methods 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 230000036541 health Effects 0.000 description 1
- 230000010354 integration Effects 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/00174—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys
- G07C9/00563—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys using personal physical data of the operator, e.g. finger prints, retinal images, voicepatterns
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- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- 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
- G06Q20/30—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
- G06Q20/352—Contactless payments by cards
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
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- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/06—Arrangements for road pricing or congestion charging of vehicles or vehicle users, e.g. automatic toll systems
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/00174—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys
- G07C9/00896—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys specially adapted for particular uses
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/00174—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys
- G07C2009/00634—Power supply for the lock
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/00174—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys
- G07C2009/00968—Electronically operated locks; Circuits therefor; Nonmechanical keys therefor, e.g. passive or active electrical keys or other data carriers without mechanical keys shape of the data carrier
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Tourism & Hospitality (AREA)
- Educational Administration (AREA)
- Health & Medical Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Human Resources & Organizations (AREA)
- Marketing (AREA)
- Primary Health Care (AREA)
- User Interface Of Digital Computer (AREA)
Abstract
The invention relates to a new mode of digital RMB payment application, which is invented by continuously utilizing high and new technology, hardware facilities and the like on the basis of already issued patent (application number or patent number: 202110426503.5) by promoting the issuing application of digital RMB. The intelligent digital key is characterized in that a digital RMB wallet chip is embedded in a common key (a patent already filed), and an ETC, an intelligent license plate, a positioning chip and the like are integrated in the intelligent digital key, so that the innovative application of more scene payment can be realized on line or directly on payment equipment. Not only convenient and fast more can also effectively avoid the leak in the use of current ETC through the additional intelligent condition contract to cooperation fingerprint identification makes safe payment obtain dual guarantee. The invention is a new innovative application mode of digital RMB which is superior to the existing payment and is safe and fast.
Description
Technical Field
The invention relates to a new mode of digital RMB payment application, which is invented by continuously utilizing high and new technology, hardware facilities and the like on the basis of already issued patent (application number or patent number: 202110426503.5) by promoting the issuing application of digital RMB. The intelligent digital key is characterized in that a digital RMB wallet chip is embedded in a common key (a patent already filed), and an ETC, an intelligent license plate, a positioning chip and the like are integrated in the intelligent digital key, so that the innovative application of more scene payment can be realized on line or directly on payment equipment. The method is more convenient and faster, and can effectively avoid the loopholes and the like in the use of the existing ETC through an additional intelligent condition contract;
the invention belongs to the high and new technology field.
Background
The promotion of the digital RMB is not only beneficial to improving the utilization rate of bank assets in China, but also beneficial to improving the status of the RMB in the international currency system. At present, the payment modes of digital RMB are online code scanning payment, digital RMB hard purses, wearable intelligent payment equipment and the like, and the payment modes such as 'digital RMB visible card hard purse with health treasure overlapping function', 'fingerprint card hard purse', 'intelligent skiing gloves', 'intelligent watch', 'intelligent badge' and the like are tried out;
with the accelerated promotion of digital rmb in multiple city test points, the short-term challenges of digital rmb will be mainly focused on the application scene end. Digital RMB focuses on retail scenes, but the requirements of the scenes are basically met by the existing mobile payment means, so that the development of suitable potential scenes or deep ploughing consumption scenes is urgent. The scenario integration capability is especially critical in technology, scenario, and service capabilities. Therefore, active development of efficient application scenarios of digital rmb and usage patterns of hard wallets are the key points of current market attention.
Disclosure of Invention
The intelligent digital transformation is carried out on common keys (including car keys) which are necessary for people to go out, besides a digital RMB wallet chip (a patent already filed) is embedded in the common keys, an ETC card, a smart license plate chip, a positioning and voice prompting chip and the like are integrated in the keys, the functions of the keys are digitally and intelligently upgraded again, and the application scenes of more digital RMB are effectively integrated. When people go out, people can pay by carrying the key without change, cards and the like, and the novel mobile phone is super convenient and practical;
especially, an intelligent condition contract which is only paid to the vehicle and the user is set in the Token, so that the ETC does not have the risk of paying for other people in a close range or being stolen by other people for payment when sensing payment; the intelligent condition contract of the overspeed fine is arranged in the intelligent license plate chip, so that vehicles running continuously at overspeed automatically pay different amounts of fine, and the intelligent condition contract of red packages received by continuous non-violation and non-overspeed persons is arranged, thereby encouraging civilian driving and reducing traffic jam and traffic accidents; the voice prompt chip is arranged, so that the owner can be prompted in time (including transaction amount, balance, electric quantity prompt, indoor voice navigation and the like); by arranging the charging interface, the intelligent digital key can be charged at any time; the fingerprint identification function is further arranged, and the intelligent contract is paid according to the set conditions, so that double-layer safety guarantee is provided for the user.
Detailed Description
Besides embedding an active digital RMB IC card chip in the key (applied patent), an ETC card, a smart license plate chip, a positioning chip and the like are integrated in the key;
the hard money core-spun sheet of the active IC card is added with a Bluetooth function, can perform information interaction with a mobile phone, and can integrate modules of display, fingerprint identification, voice prompt and the like in a chip, so that the payment amount and the wallet balance can be displayed, and the functions of fingerprint identification safety protection, voice prompt and charging are also added;
the method has the advantages that the condition that only the vehicle and the user pay is set in the Token to trigger the intelligent contract, so that the ETC does not have the risk of paying for other people in a close range or being stolen by other people during payment, and the double-layer safety guarantee during payment is provided for a user by matching with a fingerprint identification function; the intelligent condition contract of the overspeed fine is set in the intelligent license plate chip, so that the vehicle continuously running at overspeed automatically pays the fine, and the aim of automatic civilized driving is fulfilled;
besides the automatic sensing payment, the payment can be completed by filling the transaction amount in a voice mode and then performing on-line payment or 'touch-and-touch' payment.
Claims (5)
1. The key (or pendant) is embedded with a digital RMB wallet chip (patented), and an ETC chip, an intelligent license plate chip, a positioning chip and the like are integrated in an innovative application mode of the intelligent digital key (or pendant).
2. The key (or the pendant) is reformed into an innovative application mode of the digital RMB wallet.
3. Through setting up the intelligent condition contract of only paying for this car and oneself, make ETC no longer take place closely when the response is paid for other people payment and steal the risk of scanning the payment by other people.
4. The intelligent condition contract of the overspeed fine is arranged in the intelligent license plate chip, so that vehicles running continuously at overspeed automatically pay fines with different amounts, and the intelligent condition contract of red packages received by continuous non-violation-violating and non-overspeed persons is arranged, thereby encouraging civilized driving and reducing traffic jam and traffic accidents.
5. The intelligent condition contract only paying for the vehicle or the user is set, and double safety guarantee is provided for the payment of the user by matching with the fingerprint identification function.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202110461224.2A CN113362497A (en) | 2021-04-27 | 2021-04-27 | Innovative application mode of intelligent digital key-digital wallet |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
CN202110461224.2A CN113362497A (en) | 2021-04-27 | 2021-04-27 | Innovative application mode of intelligent digital key-digital wallet |
Publications (1)
Publication Number | Publication Date |
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CN113362497A true CN113362497A (en) | 2021-09-07 |
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Family Applications (1)
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CN202110461224.2A Withdrawn CN113362497A (en) | 2021-04-27 | 2021-04-27 | Innovative application mode of intelligent digital key-digital wallet |
Country Status (1)
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CN (1) | CN113362497A (en) |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20060049922A1 (en) * | 2004-09-07 | 2006-03-09 | Kolpasky Kevin G | Multi-functional fob |
US20070197261A1 (en) * | 2004-03-19 | 2007-08-23 | Humbel Roger M | Mobile Telephone All In One Remote Key Or Software Regulating Card For Radio Bicycle Locks, Cars, Houses, And Rfid Tags, With Authorisation And Payment Function |
US20180075434A1 (en) * | 2016-09-15 | 2018-03-15 | Tanner Joseph Supernault | Card replacement systems and method |
CN110766814A (en) * | 2018-07-27 | 2020-02-07 | 比亚迪股份有限公司 | Vehicle payment method and device and vehicle key |
CN113362496A (en) * | 2021-04-20 | 2021-09-07 | 王紫竹 | Intelligent digital car key (digital wallet innovation application mode) |
-
2021
- 2021-04-27 CN CN202110461224.2A patent/CN113362497A/en not_active Withdrawn
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070197261A1 (en) * | 2004-03-19 | 2007-08-23 | Humbel Roger M | Mobile Telephone All In One Remote Key Or Software Regulating Card For Radio Bicycle Locks, Cars, Houses, And Rfid Tags, With Authorisation And Payment Function |
US20060049922A1 (en) * | 2004-09-07 | 2006-03-09 | Kolpasky Kevin G | Multi-functional fob |
US20180075434A1 (en) * | 2016-09-15 | 2018-03-15 | Tanner Joseph Supernault | Card replacement systems and method |
CN110766814A (en) * | 2018-07-27 | 2020-02-07 | 比亚迪股份有限公司 | Vehicle payment method and device and vehicle key |
CN113362496A (en) * | 2021-04-20 | 2021-09-07 | 王紫竹 | Intelligent digital car key (digital wallet innovation application mode) |
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Application publication date: 20210907 |
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