CN218497512U - Novel intelligent credit card - Google Patents
Novel intelligent credit card Download PDFInfo
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- CN218497512U CN218497512U CN202222621432.7U CN202222621432U CN218497512U CN 218497512 U CN218497512 U CN 218497512U CN 202222621432 U CN202222621432 U CN 202222621432U CN 218497512 U CN218497512 U CN 218497512U
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Abstract
The utility model provides a novel intelligent credit card can be applied to finance field. The credit card includes: a card carrier; the chip is arranged on one side of the surface of the card carrier and used for storing user information, and when a user swipes a card, the transaction is executed by identifying the user information on the chip; the fingerprint identification module is arranged in a first area on the other side of the surface of the card carrier, is connected with the chip and is used for identifying or inputting a user fingerprint and activating the chip through the fingerprint; the electronic paper display module is arranged in the second area on the other side of the card carrier, connected with the fingerprint identification module and the chip and used for reading and displaying user information stored in the chip when the fingerprint identification module activates the chip, wherein the user information at least comprises arrearage amount and repayment date which should be returned by the user in the month. The credit card provides a visual way for checking arrears information for a user, and the user can directly check the credit card to obtain repayment information, so that timely repayment can be realized, the experience of the user can be promoted, and the viscosity of the user can be increased.
Description
Technical Field
The utility model relates to a finance field, concretely relates to novel intelligent credit card.
Background
The conventional credit card is generally printed with information such as a credit card number only on the surface of the card, and if a user wants to know the arrearage or payment information of the card, the user can only read the card by a machine or by logging in a website provided by a credit card issuing entity. Some users do not sign an automatic repayment agreement, and if the repayment reminding short message is missed, the users cannot visually see arrearage information on the credit card, and the repayment is possibly untimely and cannot be carried out before the repayment date of the month, so that the users are charged with high interest and fine due to default.
SUMMERY OF THE UTILITY MODEL
In view of the above, the present invention provides a novel smart credit card.
The utility model provides a novel intelligent credit card, include: a card carrier; the chip is arranged on one side of the surface of the card carrier and used for storing user information, and when a user swipes a card, the user information on the chip is identified to execute transaction; the fingerprint identification module is arranged in a first area on the other side of the surface of the card carrier, is connected with the chip and is used for identifying or inputting a user fingerprint and activating the chip through the fingerprint; the electronic paper display module is arranged in the second area on the other side of the card carrier, connected with the fingerprint identification module and the chip and used for reading and displaying user information stored in the chip when the fingerprint identification module activates the chip, wherein the user information at least comprises arrearage amount and repayment date which should be returned by the user in the month.
According to the utility model discloses an embodiment, the electronic paper display module includes: the arrearage amount display unit is arranged in the first sub-area of the second area and used for displaying the arrearage amount which the user should pay in the current month; the repayment date display unit is arranged in a second subarea of the second area and used for displaying the fixed repayment date of the user; the first subregion is adjacent to the second subregion.
According to the utility model discloses an embodiment, the electronic paper display module still includes: and the warning unit is arranged in a third sub-area of the second area, is sequentially arranged with the first sub-area and the second sub-area, and is used for warning whether the debt is paid off in the month or not by the user through colors.
According to the utility model discloses an embodiment, novel intelligent credit card still includes: and the energy collector is arranged in a third area on the other side of the card carrier and is used for collecting solar energy and providing energy for the fingerprint identification module and the electronic paper display module.
According to the utility model discloses an embodiment, the card carrier includes: the first card layer, the second card layer and the third card layer are sequentially overlapped; the chip, the fingerprint identification module and the electronic display module are arranged on the first card layer.
According to the utility model discloses an embodiment, novel intelligent credit card still includes: and the GPS positioning chip is arranged on the second card layer and used for assisting the user in checking the position of the novel intelligent credit card.
According to the utility model discloses an embodiment, novel intelligent credit card still includes: and the Bluetooth receiver is arranged on the second card layer, is connected with the external equipment when the fingerprint identification module activates the chip, and synchronizes the external equipment with the user information on the novel intelligent credit card.
According to the utility model discloses an embodiment, novel intelligent credit card still includes: the energy transfer device is arranged on the second card layer and connected with the energy collector, the fingerprint identification module, the electronic paper display module, the GPS positioning chip and the Bluetooth receiver, and is used for transferring the energy collected by the energy collector to the fingerprint identification module, the electronic paper display module, the GPS positioning chip and the Bluetooth receiver.
According to the utility model discloses an embodiment, the back on third card layer is carved with the card information of novel intelligent credit card.
According to an embodiment of the present invention, the novel smart credit card is rectangular.
The beneficial effects of the utility model are that, set up electronic paper display module on the credit card, the arrearage amount of money display element and repayment day display element on the electronic paper display module can show user's arrearage amount of money and repayment day respectively, the user can look over oneself arrearage and answer the repayment condition through the credit card directly perceivedly, electronic paper display module provides the audio-visual way that arrearage information was looked over for the credit card user, the customer can directly look over the credit card and can obtain repayment information, thereby in time repayment, this novel intelligent credit card is favorable to promoting customer experience and feels, increase customer viscidity.
Drawings
The above and other objects, features and advantages of the present invention will become more apparent from the following description of the embodiments of the present invention with reference to the accompanying drawings, in which:
fig. 1 schematically shows a schematic view of a novel smart credit card according to an embodiment of the invention.
Description of reference numerals:
1-chip; 2-an electronic paper display module; 3-arrears amount display unit; 4-repayment date display unit; 5-a warning unit; 6-fingerprint identification module; 7-an energy harvester; 8-GPS positioning chip; 9-a bluetooth receiver; 10-energy transfer device.
Detailed Description
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. It should be understood that the description is intended to be illustrative only and is not intended to limit the scope of the present invention. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the invention. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present invention.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.
All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.
Where a convention analogous to "A, B and at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include, but not be limited to, systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).
The technical scheme of the utility model, processing such as collection, storage, use, processing, transmission, provision, disclosure and application of user's personal information that relate to all accord with the regulation of relevant laws and regulations, have taken necessary secret measure, and do not violate the good custom of public preface.
The technical scheme of the utility model in, before acquireing or gathering user personal information, all acquireed user's authorization or consent.
The embodiment of the utility model provides a novel intelligent credit card, be provided with chip 1 on the card carrier of this credit card, fingerprint identification module 6 and electronic paper display module 2, chip 1 is used for saving user information, fingerprint identification module 6 is used for discerning or types the user fingerprint, electronic paper display module 2 is used for when fingerprint identification module 6 activates chip 1, read and show the user information of the interior storage of chip 1, user information includes the arrearage amount and the repayment day that the user should go back in the month at least, thereby inform customer card arrearage amount and monthly repayment date with the off-line mode, let the more audio-visual arrearage condition of understanding oneself card of user, and in time repayment, avoid the user to be collected high-value interest and fine because of default.
It should be noted that, the novel smart credit card provided in this embodiment may be used for cards in the financial field, and may also be used for cards in any fields other than the financial field.
Fig. 1 schematically shows a schematic view of a novel smart credit card according to an embodiment of the invention.
As shown in fig. 1, the present embodiment provides a novel smart credit card, which includes: a card carrier, a chip 1 and a fingerprint identification module 6. The chip 1 is arranged on one side of the surface of the card carrier and used for storing user information, and when a user swipes a card, the user information on the chip 1 is identified to execute transaction; the fingerprint identification module 6 is arranged in a first area on the other side of the surface of the card carrier, is connected with the chip 1 and is used for identifying or inputting a user fingerprint and activating the chip 1 through the fingerprint; the electronic paper display module 2 is arranged in a second area on the other side of the card carrier, connected with the fingerprint identification module 6 and the chip 1, and used for reading and displaying user information stored in the chip 1 when the fingerprint identification module 6 activates the chip 1, wherein the user information at least comprises arrears amount and repayment date which should be returned by the user in the month.
The front side of the card carrier comprises information such as a card number, a card issuing bank identifier, a card organization identifier, a valid period, a name of a card holder, a chip 1, a fingerprint identification module 6, an electronic paper display module 2 and the like; the chip 1 is embedded on the surface of the card carrier, and the chip 1 is a silicon chip containing an integrated circuit, has large capacity, can store information such as a key, a digital certificate, a fingerprint and the like, can prevent card data from being copied, and has high safety; the fingerprint identification module 6 supports a user to input a fingerprint, when the user needs to use the card, the fingerprint identification module 6 can identify the fingerprint of the user and unlock the card, at the moment, the chip 1 is activated, the user can know the related information of the credit card on corresponding equipment, and when the user finishes using, the fingerprint identification module 6 can identify the fingerprint of the user and lock the credit card, so that the privacy of the user is protected; the electronic paper display module 2 contains key user information, for example, the user needs to activate the chip 1 with the fingerprint identification module 6 to display the user information if the user is due for the arrears and the repayment date in the month, and the electronic paper display module 2 does not display the information if the chip 1 is not activated by the fingerprint identification module 6.
In this embodiment, the electronic paper display module 2 includes an arrears amount display unit 3 and a payment date display unit 4. The arrearage amount display unit 3 is arranged in a first sub-area of the second area and is used for displaying the arrearage amount which the user should pay in the current month; the repayment date display unit 4 is arranged in a second sub-area of the second area and used for displaying the fixed repayment date of the user; the first subregion is adjacent to the second subregion. The owing amount display unit 3 is adjacent to the repayment date display unit 4, and the repayment information of the user is collected together, so that the user can conveniently check the repayment information.
In this embodiment, the electronic paper display module 2 further includes a warning unit 5, the warning unit 5 is disposed in a third sub-area of the second area, and is sequentially arranged with the first sub-area and the second sub-area, so as to warn the user whether the debt is paid back in the month or not through colors.
The warning unit 5 is adjacent to the repayment date display unit 4, when the debt of the customer is not cleared, the warning unit 5 displays red, and when the customer is using the card or the debt is cleared, the warning unit 5 displays green; the arrearage amount display unit 3 is arranged on the left side of the electronic paper display module 2, the repayment date display unit 4 is arranged in the middle of the electronic paper display module 2, and the warning unit 5 is arranged on the right side of the electronic paper display module 2; owing amount of money display element 3, repayment day display element 4 and warning unit 5 set up side by side, and the inside circuit of card of being convenient for is arranged.
In this embodiment, the novel smart credit card further comprises an energy collector 7, wherein the energy collector 7 is arranged in a third area on the other side of the card carrier and is used for collecting solar energy and providing energy for the fingerprint identification module 6 and the electronic paper display module 2.
The card carrier also comprises an energy collector 7 on the front surface, the size of the energy collector 7 is 1 square centimeter and is embedded on the surface of the card carrier, and the energy collector 7 can convert collected solar energy into electric energy to supply power for the fingerprint identification module 6 and the electronic paper display module 2.
In this embodiment, the card carrier includes a first card layer, a second card layer and a third card layer, which are stacked in sequence; chip 1, fingerprint identification module 6 and electron paper display module 2 locate on the first card layer.
The card carriers are arranged in a layered mode, so that related components can be conveniently distributed on the card carriers; be provided with chip 1 on the first card layer of card carrier, fingerprint identification module 6 and electronic paper display module 2, the user of being convenient for contacts fingerprint identification module 6, with activation chip 1, the user can see the user repayment information that electronic paper display module 2 shows this moment, if the user debt in the month of repayment before the date of repayment in the month, then warning unit 5 shows green this moment, if the user debt in the month of not repayment before the date of repayment in the month, then warning unit 5 shows red this moment.
In this embodiment, the smart credit card further comprises a GPS positioning chip 8, and the GPS positioning chip 8 is disposed on the second card layer for assisting the user in viewing the location of the smart credit card.
The second card layer of the card carrier is provided with a GPS positioning chip 8, after the GPS positioning chip 8 is connected with a mobile phone of a user, the credit card can be positioned, and when the user carelessly loses the credit card, the real-time position of the credit card can be checked in a mobile phone bank through the GPS positioning chip 8.
In this embodiment, the smart credit card further comprises a bluetooth receiver 9, the bluetooth receiver 9 is disposed on the second card layer, and when the chip 1 is activated by the fingerprint identification module 6, the bluetooth receiver is connected to an external device to synchronize the external device with the user information on the smart credit card.
The second card layer of the card carrier is also provided with a Bluetooth receiver 9, the Bluetooth receiver 9 can be connected with a mobile phone bank, the credit card account arrears information can be synchronized to the mobile phone bank through the Bluetooth receiver 9, and a user can check the arrears amount and the repayment date which should be restored in the month in the mobile phone bank.
In this embodiment, the novel smart credit card further includes an energy transfer device 10, and the energy transfer device 10 is disposed on the second card layer, and is connected to the energy collector 7, the fingerprint identification module 6, the electronic paper display module 2, the GPS positioning chip 8 and the bluetooth receiver 9, so as to transfer the energy collected by the energy collector 7 to the fingerprint identification module 6, the electronic paper display module 2, the GPS positioning chip 8 and the bluetooth receiver 9.
An energy transfer device 10 is further arranged on a second card layer of the card carrier, a wire is arranged on the second card layer, and energy collected by the energy collector 7 is transferred to the fingerprint identification module 6, the electronic paper display module 2, the GPS positioning chip 8 and the Bluetooth receiver 9 through the wire.
In this embodiment, the back of the third card layer is engraved with the card information of the new smart credit card. The back of the intelligent credit card is provided with anti-counterfeiting identification, a signature strip, a customer service telephone, a CVV2 code, a magnetic strip, card issuing bank declaration and other information, and if a user card is lost, the user can make a customer service telephone for loss reporting; when a credit card holder takes money from a bank ATM, if the machine fails, the phenomenon of card swallowing occurs, and under the condition that bank workers cannot verify the identity of a card owner, the identity can be confirmed by checking the signature on the back of the credit card, and the card returning service is handled.
In the embodiment, the novel intelligent credit card is rectangular, is convenient to be matched with a card swiping machine and an ATM machine for use, and is also convenient to be carried by a person; credit cards vary in color, customer grade, and card color.
The utility model discloses a novel intelligent credit card sets up electronic paper display module 2 on the card carrier, and during the use, the user passes through fingerprint identification module 6 recognition fingerprint earlier to activate chip 1, if electronic paper display module 2 does not show information this moment, then show that the card carrier has totally consumed the electric energy that energy collector 7 stored, need gather the energy to the card carrier again this moment; if the electronic paper display module 2 displays information at the moment, the arrearage amount which is displayed by the arrearage amount display unit 3 and is required to be returned by the user in the month and the fixed repayment date displayed by the repayment date display unit 4 are continuously checked, if the debt in the month is cleared before the repayment date in the month, the warning unit 5 displays green at the moment, and if the debt in the month is not cleared before the repayment date in the month, the warning unit 5 displays red at the moment.
In addition, the GPS positioning chip 8 arranged on the card carrier can position the credit card, and a user can check the real-time position of the credit card in a mobile phone bank through the GPS positioning chip 8; the bluetooth receiver 9 can synchronize the credit card account arrearage information to the mobile banking, and the user can check the arrearage amount and the repayment date which should be returned in the current month in the mobile banking.
It will be appreciated by a person skilled in the art that various combinations and/or combinations of features described in the various embodiments of the invention and/or in the claims may be made, even if such combinations or combinations are not explicitly described in the present invention. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present invention may be made without departing from the spirit and teachings of the invention. All such combinations and/or associations fall within the scope of the present invention.
The embodiments of the present invention have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present invention. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the invention is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present invention, and these alternatives and modifications are intended to fall within the scope of the present invention.
Claims (10)
1. A novel smart credit card, comprising:
a card carrier;
the chip (1) is arranged on one side of the surface of the card carrier and used for storing user information, and when a user swipes a card, the user information on the chip (1) is identified to execute transaction;
the fingerprint identification module (6) is arranged in a first area on the other side of the surface of the card carrier, is connected with the chip (1) and is used for identifying or inputting a user fingerprint and activating the chip (1) through the fingerprint;
electronic paper display module (2) locates the second area of the opposite side of card carrier connects fingerprint identification module (6) with chip (1), is used for working as fingerprint identification module (6) activation during chip (1), read and show the user information that stores in chip (1), user information includes the amount of owing money that the user should return this month and repayment day at least.
2. The new smart credit card according to claim 1, characterised in that said electronic paper display module (2) comprises:
the arrearage amount display unit (3) is arranged in the first sub-area of the second area and is used for displaying the arrearage amount which the user should return in the month;
the repayment date display unit (4) is arranged in the second sub-area of the second area and used for displaying the fixed repayment date of the user;
the first sub-region is adjacent to the second sub-region.
3. The new smart credit card according to claim 2, characterised in that said electronic paper display module (2) further comprises:
and the warning unit (5) is arranged in a third sub-area of the second area, and the first sub-area and the second sub-area are sequentially arranged and used for warning the user whether debt is paid back or not in the current month through colors.
4. The smart credit card of claim 1, further comprising:
and the energy collector (7) is arranged in a third area on the other side of the card carrier and is used for collecting solar energy and supplying energy to the fingerprint identification module (6) and the electronic paper display module (2).
5. The new smart credit card as claimed in claim 4, wherein said card carrier comprises:
the first card sheet layer, the second card sheet layer and the third card sheet layer are sequentially overlapped;
the chip (1), the fingerprint identification module (6) and the electronic paper display module (2) are arranged on the first card layer.
6. The smart credit card as recited in claim 5, further comprising:
and the GPS positioning chip (8) is arranged on the second card layer and is used for assisting the user to check the position of the novel intelligent credit card.
7. The smart credit card of claim 6, further comprising:
and the Bluetooth receiver (9) is arranged on the second card layer, and when the chip (1) is activated by the fingerprint identification module (6), the Bluetooth receiver is connected with external equipment to synchronize the external equipment with the user information on the novel intelligent credit card.
8. The smart credit card of claim 7, further comprising:
energy transfer device (10), locate on the second card layer, with energy collector (7) fingerprint identification module (6) electronic paper display module (2) GPS location chip (8) with bluetooth receiver (9) are connected, be used for with the energy transfer that energy collector (7) gathered gives fingerprint identification module (6) electronic paper display module (2) GPS location chip (8) with bluetooth receiver (9).
9. The smart credit card of claim 5, wherein the back of the third card sheet layer is engraved with card information of the smart credit card.
10. The smart credit card of claim 1, wherein the smart credit card is rectangular.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202222621432.7U CN218497512U (en) | 2022-09-30 | 2022-09-30 | Novel intelligent credit card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202222621432.7U CN218497512U (en) | 2022-09-30 | 2022-09-30 | Novel intelligent credit card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN218497512U true CN218497512U (en) | 2023-02-17 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202222621432.7U Active CN218497512U (en) | 2022-09-30 | 2022-09-30 | Novel intelligent credit card |
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|---|---|
| CN (1) | CN218497512U (en) |
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2022
- 2022-09-30 CN CN202222621432.7U patent/CN218497512U/en active Active
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