CN117952607A - Transaction card capable of changing payment card - Google Patents
Transaction card capable of changing payment card Download PDFInfo
- Publication number
- CN117952607A CN117952607A CN202211285090.4A CN202211285090A CN117952607A CN 117952607 A CN117952607 A CN 117952607A CN 202211285090 A CN202211285090 A CN 202211285090A CN 117952607 A CN117952607 A CN 117952607A
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- China
- Prior art keywords
- transaction card
- unit
- storage unit
- verification
- transaction
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- 238000012795 verification Methods 0.000 claims abstract description 73
- 238000010295 mobile communication Methods 0.000 claims abstract description 51
- 238000013500 data storage Methods 0.000 claims description 14
- 238000004891 communication Methods 0.000 claims description 4
- 230000002085 persistent effect Effects 0.000 claims 1
- 230000007547 defect Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000013523 data management Methods 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
- 230000006698 induction Effects 0.000 description 1
- 238000006467 substitution reaction 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a transaction card capable of switching payment cards, which comprises mobile communication equipment and a transaction card. The mobile communication equipment comprises a setting unit, a transaction card storage unit and a verification unit; the transaction card comprises a processing unit, a connecting unit, a verification storage unit and a transaction card data temporary storage unit; the transaction card can be connected with the mobile communication equipment, and one transaction card data of a plurality of transaction card data in the mobile communication equipment is temporarily stored in the transaction card. Therefore, after verification, according to the preferential provided by the merchant, different payment card types are selected by the mobile communication equipment, and the selected card types are temporarily stored in the transaction card to replace the card types temporarily stored in the original transaction card for transaction, so that the convenience and the safety in use are improved.
Description
Technical Field
The present invention relates to a transaction card with a convertible payment card, and more particularly, to a transaction card with a convertible payment card that can be used with different payment cards to replace the original card for transaction.
Background
Most consumers currently trade with plastic money such as credit cards and leisurely and carefree cards; however, the credit cards of different cards have different preferential effects due to different card issuing banks matched by various merchants.
In order to enjoy the preferred benefits, consumers generally need to carry all the physical credit cards to deal with different benefits and choose different card types for transaction, but the situation that the credit cards are difficult to store, have wrong card types and are easy to lose is caused by carrying a plurality of credit cards.
Therefore, how to develop a transaction card with a convertible payment card, so that the transaction card can select different payment cards according to the preferential provided by merchants, and temporarily store the selected card in the transaction card to replace the card temporarily stored in the original transaction card for transaction, thereby improving the convenience and safety during use, and effectively improving the defects of the prior art.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, the inventor has had the feeling of perfecting, and has perfected the diligent study and overcoming the defects, and further developed a transaction card capable of converting payment card types, so as to select different payment card types according to the preferential provided by the merchant, and store the selected card types in the transaction card in temporary storage, so as to replace the card types stored in the transaction card in the prior art for transaction, thereby achieving the purpose of improving the convenience and safety in use.
To achieve the above and other objects, the present invention provides a transaction card capable of converting payment card, comprising: mobile communication equipment and transaction card. The mobile communication equipment at least comprises a setting unit, a transaction card storage unit and a verification unit which are connected with each other, wherein the setting unit is used for setting at least verification codes, transaction card data and cardholder personal data of a cardholder, the transaction card storage unit is used for storing at least verification codes, a plurality of transaction card data and cardholder personal data, and the verification unit is used for verifying at least according to the verification codes; the transaction card is connected with the mobile communication equipment and at least comprises a processing unit, a connecting unit, a verification storage unit and a transaction card data temporary storage unit which are connected with each other, wherein the processing unit is at least used for the operation processing of the connecting unit, the verification storage unit and the transaction card data temporary storage unit, the connecting unit is connected with the mobile communication equipment and supplies power to the processing unit, the verification storage unit provides a verification code to the transaction card storage unit of the mobile communication equipment, the verification unit verifies the transaction card data temporary storage unit, and the transaction card data temporary storage unit stores one transaction card data in the transaction card storage unit.
In the transaction card with the convertible payment card, the mobile communication device is a smart phone, the setting unit, the transaction card storage unit and the verification unit are application programs (APP) and stored in a memory of the smart phone, and the processor of the smart phone performs actions.
In the transaction card with the convertible payment card, the mobile communication device is a smart phone, and the setting unit, the transaction card storage unit and the verification unit are external devices and are connected to a processor of the smart phone in a wired or wireless mode.
In the transaction card of the convertible payment card, the transaction card storage unit is provided with a verification code storage module, a transaction card data storage module and a cardholder personal data storage module, wherein the verification code storage module stores verification codes, the transaction card data storage module stores a plurality of transaction card data, and the cardholder personal data storage module stores cardholder personal data.
In the transaction card of the convertible payment card, the connection unit is wirelessly connected with the mobile communication device by a radio frequency antenna, near Field Communication (NFC), or bluetooth protocol.
In the transaction card of the convertible payment card, the verification storage unit is a permanent memory, and the transaction card data temporary storage unit is a flash memory.
In the transaction card of the convertible payment card, the processing unit is a central processing unit, an integrated circuit chip or a logic circuit.
In the transaction card of the convertible payment card, the transaction card further comprises a display unit, wherein the display unit is electrically connected with the processing unit, prompts are given out when the display unit is used for transaction, and the display unit is a screen, a luminous body or a combination of the screen and the luminous body.
In the transaction card of the convertible payment card, the transaction card further comprises a power storage unit electrically connected with the processing unit, wherein the power storage unit receives and stores the power of the connection unit so as to supply the power to the processing unit, the verification storage unit and the transaction card data temporary storage unit.
In the transaction card of the convertible payment card, the transaction card further comprises a fingerprint receiving unit electrically connected with the processing unit, the verification storage unit further stores cardholder fingerprint data, and the fingerprint receiving unit performs verification with the cardholder fingerprint data in the verification storage unit after receiving the fingerprint.
Therefore, the transaction card with the convertible payment card can select different payment cards according to the preferential provided by merchants after verification, and temporarily store the selected cards in the transaction card to replace the cards temporarily stored in the original transaction card for transaction, thereby achieving the purpose of improving the convenience and the safety during use.
Drawings
Fig. 1 is an external view schematically showing a first embodiment of the present invention.
FIG. 2 is a block diagram of a first embodiment of the present invention.
Fig. 3 is an external view schematically showing a second embodiment of the present invention.
FIG. 4 is a block diagram of a second embodiment of the present invention.
Reference numerals illustrate:
1 Mobile communication equipment
11 Setting unit
12 Transaction card memory cell
121 Verification code storage module
122 Transaction card data storage module
Personal data storage module for 123 card holders
13 Verification unit
2 Transaction card
21 Processing unit
22 Connection unit
23 Verify memory cell
24 Transaction card data temporary storage unit
25 Display unit
26 Fingerprint receiving unit
27 Electricity storage unit
Detailed Description
For a full understanding of the objects, features and advantages of the present invention, reference should be made to the following detailed description of the invention taken in conjunction with the accompanying drawings, in which:
Please refer to fig. 1 and 2, as follows: the invention relates to a transaction card capable of switching payment cards, which comprises a mobile communication device 1 and a transaction card 2.
The mobile communication device 1 at least comprises a setting unit 11, a transaction card storage unit 12 and a verification unit 13 which are connected with each other, wherein the setting unit 11 at least sets a verification code, transaction card data and cardholder personal data of a cardholder, the transaction card storage unit 12 at least stores the verification code, a plurality of transaction card data and cardholder personal data, and the verification unit 13 performs verification at least according to the verification code.
The transaction card 2 is connected to the mobile communication device 1, the transaction card 2 at least comprises a processing unit 21, a connection unit 22, a verification storage unit 23 and a transaction card data temporary storage unit 24 which are connected with each other, the processing unit 21 is at least used as the operation processing of the connection unit 22, the verification storage unit 23 and the transaction card data temporary storage unit 24, the processing unit 21 can be a central processing unit, an integrated circuit chip or a logic circuit, so that the processing unit 21 is used as the operation processing of the transaction and at least used as the operation processing of the connection unit 22, the verification storage unit 23 and the transaction card data temporary storage unit 24, the connection unit 22 is connected with the mobile communication device 1 and is powered to the processing unit 21, the verification storage unit 23 provides the verification code to the transaction card storage unit 12 of the mobile communication device 1, the verification unit 13 performs the verification, and the transaction card data temporary storage unit 24 stores one transaction card data of the transaction card storage unit 12.
When the present invention is used, the connection unit 22 can read the electromagnetic wave from the mobile communication device 1 to inductively generate the required power to be provided to the processing unit 21, the connection unit 22, the verification storage unit 23 and the transaction card data temporary storage unit 24, and then perform the related settings between the mobile communication device 1 and the transaction card 2, for example: the setting unit 11 is used for setting according to personal data, payment information, transaction data, different transaction card type data and the like of a cardholder, and the mobile communication device 1 generates an authentication code to be stored in the authentication storage unit 23 of the transaction card 2, or the authentication storage unit 23 of the transaction card 2 transmits and stores the authentication code to the transaction card storage unit 12 of the mobile communication device 1, so that the transaction card storage unit 12 of the mobile communication device 1 and the authentication storage unit 23 of the transaction card 2 have the same authentication code at the same time, and the mobile communication device 1 and the transaction card 2 are paired with the authentication code, thereby binding the mobile communication device 1 to the transaction card 2, and enabling the mobile communication device 1 to only perform data transmission communication with the transaction card 2.
When the invention carries out transaction, a cardholder can select required transaction card data in the transaction card storage unit 12 of the mobile communication device 1 according to the preference provided by a merchant, then the transaction card 2 is connected with the mobile communication device 1, so that the connecting unit 22 of the transaction card 2 reads electromagnetic waves from the mobile communication device 1 to generate required power in a sensing way, the processing unit 21 is started after external power is acquired, the processing unit 21 transmits the verification code in the verification storage unit 23 to the verification unit 13 of the mobile communication device 1, the verification unit 13 decodes and authenticates the transaction card data according to the verification code which is originally set in the transaction card storage unit 12, after authentication, the transaction card data temporary storage unit 24 of the transaction card 2 is transmitted after the transaction card data which is currently selected in the mobile communication device 1 is coded, so that the transaction card 2 replaces the transaction card which is originally temporarily stored in the transaction card data temporary storage unit 24 to enable the transaction card 2 to carry out transaction with the currently selected transaction card to be converted, and the usability and convenience are achieved when the transaction is to be converted.
As described above, when actually used, the cardholder does not need to carry a plurality of transaction cards, but only needs to carry the mobile communication device 1 and one transaction card 2, and since the transaction card storage unit 12 of the mobile communication device 1 is preset and stores a plurality of transaction card data issued by different banks or the same bank; when different transaction cards are selected according to the preferential provided by the merchant, the transaction card data selected in the mobile communication equipment 1 is stored into the transaction card 2 after the mobile communication equipment 1 selects the transaction card type, so that the transaction card 2 is converted into the transaction card type selected in the mobile communication equipment 1, and then the transaction is directly carried out by the transaction card 2 after the transaction card is converted. Therefore, the cardholder can select different payment card types from the mobile communication equipment 1 and temporarily store the selected card types in the transaction card 2 to replace the card types temporarily stored in the transaction card 2 to conduct transaction, thereby achieving the purpose of improving the convenience and safety during use.
In addition to the above embodiments, in one embodiment of the present invention, the mobile communication device 1 is a smart phone, the setting unit 11, the transaction card storage unit 12 and the verification unit 13 are application programs (APP) and stored in a memory of the smart phone, and the processor of the smart phone performs actions. In addition, the mobile communication device is a smart phone, and the setting unit 11, the transaction card storage unit 12 and the verification unit 13 are external devices and are connected to a processor (not shown) of the smart phone in a wired or wireless manner. Therefore, the invention can meet different use requirements and can be matched with the mobile communication equipment 1 in an internal or external connection mode for use, so that the invention can more meet the actual use requirements.
In addition to the above embodiments, in one embodiment of the present invention, the transaction card storage unit 12 is provided with a verification code storage module 121, a transaction card data storage module 122 and a cardholder personal data storage module 123, wherein the verification code storage module 121 stores verification codes, the transaction card data storage module 122 stores a plurality of transaction card data, and the cardholder personal data storage module 123 stores cardholder personal data. Therefore, the verification codes, a plurality of transaction card data and the personal data of the cardholder can be stored in a classified mode, and besides the data management is easy, the problem of resource security can be avoided.
In addition to the above embodiments, in one embodiment of the present invention, the connection unit 22 and the mobile communication device 1 may be connected wirelessly by a radio frequency antenna, near Field Communication (NFC), or bluetooth protocol. In this way, the connection unit 22 can be connected to the mobile communication device 1 according to different use requirements or modes, and the stability of the connection is maintained.
In addition to the above embodiments, in one embodiment of the present invention, the authentication storage unit 23 is a permanent memory, so that the authentication storage unit 23 is not easily tampered with to secure information. In addition, the transaction card data temporary storage unit 24 is a flash memory, so as to achieve convenience in use.
Please refer to fig. 3 and 4, as follows: in addition to the above embodiments, in one embodiment of the present invention, the transaction card further includes a display unit 25 electrically connected to the processing unit 21, wherein the display unit 25 can be used as a prompt when performing transactions, and the display unit 25 can be a screen, a light or a combination thereof.
Based on the above embodiment, when the transaction card 2 is set, the connection unit 22 can read the electromagnetic wave from the mobile communication device 1 to supply power, and the processing unit 21 drives the display unit 25 to output the confirmed information or output the transaction information (such as text information, digital information, light signal information or a combination thereof), so as to increase the prompting effect and inform the cardholder of the related consumption information, thereby improving the safety and convenience during use.
When the transaction card 2 is close to a payment device (not shown), the connection unit 22 reads electromagnetic waves from the payment device to generate required power in an induction way, so that the processing unit 21 is started to conduct the transaction after external power is acquired, and the processing unit 21 drives the display unit 25 to output confirmation information so as to inform the cardholder that the transaction is being processed or is completed. Thus, the transaction card 2 can be connected with the payment device to obtain power, and the display unit 25 outputs transaction information, so that the safety and convenience in use are improved.
When the transaction is finished and the transaction card 2 is removed, the connection unit 22 is powered off due to the fact that the electromagnetic wave from the payment device cannot be read, so that the processing unit 21 is not powered on any more, and the processing unit 21 is in a closed state, so that the display unit 25 is not capable of outputting any transaction information any more, and the cardholder is reminded that the transaction is finished and the card is in an unused state.
In addition to the above embodiment, in one embodiment of the present invention, the transaction card further includes a fingerprint receiving unit 26 electrically connected to the processing unit 21, the verification storage unit 23 further stores cardholder fingerprint data, the fingerprint receiving unit 26 receives a fingerprint and verifies with the cardholder fingerprint data in the verification storage unit 23, and the transaction card 2 is set after verification, or the transaction card is set, and the display unit 25 outputs transaction information when the transaction card is set, so as to achieve the purpose of improving the security and convenience during use.
In addition to the above embodiment, in one embodiment of the present invention, the transaction card further includes a power storage unit 27, which is electrically connected to the processing unit 21, wherein the power storage unit 27 receives and stores the power of the connection unit 22, so as to be used as standby power, and can be used for supplying power to the processing unit 21, the verification storage unit 23, the transaction card data temporary storage unit 24, the display unit 25 and the fingerprint receiving unit 26 when the connection unit 22 does not obtain the power, so as to maintain the stability of the transaction card 2 during use.
The present invention has been disclosed in the foregoing in terms of preferred embodiments, however, it will be appreciated by those skilled in the art that the embodiments are merely illustrative of the invention and should not be construed as limiting the scope of the invention. It should be noted that all changes and substitutions equivalent to the embodiment are intended to be included in the scope of the present invention. Accordingly, the scope of the invention is defined by the appended claims.
Claims (10)
1. A transaction card of a convertible payment card type, comprising:
the mobile communication equipment at least comprises a setting unit, a transaction card storage unit and a verification unit which are connected with each other, wherein the setting unit is used for setting at least verification codes, transaction card data and cardholder personal data of a cardholder, the transaction card storage unit is used for storing at least verification codes, a plurality of transaction card data and cardholder personal data, and the verification unit is used for verifying at least according to the verification codes; and
The transaction card is connected with the mobile communication equipment and at least comprises a processing unit, a connecting unit, a verification storage unit and a transaction card data temporary storage unit which are connected with each other, wherein the processing unit is at least used for operation processing of the connecting unit, the verification storage unit and the transaction card data temporary storage unit, the connecting unit is connected with the mobile communication equipment and supplies power to the processing unit, the verification storage unit provides a verification code to the transaction card storage unit of the mobile communication equipment, the verification unit verifies the verification code, and the transaction card data temporary storage unit stores one transaction card data in the transaction card storage unit.
2. The transaction card of claim 1, wherein the mobile communication device is a smart phone, the setting unit, the transaction card storage unit and the verification unit are application programs and stored in a memory of the smart phone, and the processor of the smart phone performs actions.
3. The transaction card of claim 1, wherein the mobile communication device is a smart phone, and the setting unit, the transaction card storage unit and the verification unit are external devices and are connected to a processor of the smart phone in a wired or wireless manner.
4. A transaction card with a switchable payment card according to claim 1, wherein the transaction card storage unit is provided with a verification code storage module, a transaction card data storage module and a cardholder personal data storage module, the verification code storage module storing a verification code, the transaction card data storage module storing a plurality of transaction card data, the cardholder personal data storage module storing cardholder personal data.
5. The transaction card of claim 1, wherein the connection unit is wirelessly connected to the mobile communication device with a radio frequency antenna, a short range wireless communication, or a bluetooth protocol.
6. The transaction card of claim 1, wherein the authentication memory unit is a persistent memory and the transaction card data temporary storage unit is a flash memory.
7. The switchable payment card of claim 1, wherein the processing unit is a central processing unit, an integrated circuit chip or a logic circuit.
8. A transaction card for a convertible payment card according to claim 1, further comprising a display unit electrically connected to the processing unit, the display unit presenting a prompt for use in a transaction, the display unit being a screen, a light, or a combination thereof.
9. The transaction card of claim 1, further comprising a power storage unit electrically connected to the processing unit, the power storage unit receiving and storing power from the connection unit to supply power to the processing unit, the authentication storage unit, and the transaction card data temporary storage unit.
10. A switchable payment card or other transaction card according to claim 1, wherein the transaction card further comprises a fingerprint receiving unit electrically connected to the processing unit, the verification storage unit further storing cardholder fingerprint data therein, the fingerprint receiving unit receiving the fingerprint and verifying the cardholder fingerprint data in the verification storage unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211285090.4A CN117952607A (en) | 2022-10-20 | 2022-10-20 | Transaction card capable of changing payment card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211285090.4A CN117952607A (en) | 2022-10-20 | 2022-10-20 | Transaction card capable of changing payment card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN117952607A true CN117952607A (en) | 2024-04-30 |
Family
ID=90795228
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211285090.4A Pending CN117952607A (en) | 2022-10-20 | 2022-10-20 | Transaction card capable of changing payment card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN117952607A (en) |
-
2022
- 2022-10-20 CN CN202211285090.4A patent/CN117952607A/en active Pending
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