TR2021021141A2 - DEVELOPMENT ON SMART CARD AND PAYMENT SYSTEMS - Google Patents

Abstract

The invention subject to application is Smart Card Front (2), Smart Card Back Side (3), Citizenship Number (2-1), Barcode or QR code (2-2), Bank Name (2-3), User Photo (2 -4), Chip (2-5), Card Number (2-6), Card Holder Name (2-7), Contactless Payment Zone (2-8), Payment System Logo (2-9), Bank Contact Information (3-1), Card Security Code (3-2), Customer ID (3-3) and Magnetic Stripe (3-4) are related to Development on Smart Card and Payment Systems.

Description

DESCRIPTION DEVELOPMENT ON SMART CARD AND PAYMENT SYSTEMS The invention subject to application is Smart Card Front Side (2), Smart Card Back Side (3), Citizenship Number (2-1), Barcode or QR code (2-2), Bank Name (2-3), User Photo (2-4), Chip (2-5), Card Number (2-6), Card Holder Name Surname (2-7), Contactless Payment Zone (2-8), Payment System Logo (2-9), Bank Contact Information (3-1), Card Security Code (3-2), It includes Customer Number (3-3) and Magnetic Strip (3-4) sections.

Technical Field This invention is a device that uses GSM, satellite and internet infrastructure based on physical cards. by computer and/or mobile application and hardware connected to them Development and development of programmed payment systems It's about innovations.

Known Status of the Technology in the Field of Invention Nowadays, many different payment methods are used for shopping. The most common ones are cash payment, bank transfer, virtual card, check, promissory note, Payment by SMS, debit card, online wallet, mobile wallet Payments made in the form of

Nowadays, the most used method for shopping is credit card or credit card. It is also a payment method made by bank card.

Physical POS device in physical stores and Virtual POS in virtual stores Payment is made using technology and the card is also Installment, payment deferral, discount and gift points provided advantages are used.

The advantages and installments offered by each card vary.

In payments made with bank cards, the physical integrity of the card If it is lost or lost, the possibility of use is lost. Taking off also creates a security vulnerability.

Although payment by debit card is a very common method, it is a smart method. With the development of phones, mobile wallet payments have also become widespread.

When purchasing any product online with a mobile wallet Instead of entering card information, a card created within the application Payment process by scanning the QR code is being carried out.

Different features, advantages and disadvantages of each payment method There are.

For this reason, people have different technical infrastructures and applications. Most of these payment methods that require They have to download and hold many cards from different banks.

On the other hand, identification cards are required for security when using the cards. out of the card by entering the information and security codes sent via SMS. Must use ID card, mobile phone and electronic devices They remain.

In the Utility Model application numbered TR 2016/19291, “In Bank Cards "Innovation" is explained and the visual appeal and usage time of the card Inventions made to prevent wear and tear are given.

In the Utility Model application no. TR 2014/12406, “Embossed Bank "Card" is explained and the visually impaired and the elderly can use the card type and the front to enable them to easily understand its surface and technical features. The inventions made are given.

In the Utility Model application numbered TR 2007/06972, “Mobile Phones and Credit Cards, Debit Cards and Other Company Cards of Pocket Computers "How to Use It as a" is explained and more than one application belonging to different banks is explained. Safe use of bank cards by adapting them to mobile phones Inventions intended to be presented are given.

Digital payment methods, identity and security in known technology There is no debit card that contains your information.

Solutions Provided by the Invention to Technical Problems The Smart Card (1) that is the subject of our invention does not suffer from the negativities explained above. It provides solutions to most of the problems.

Smart Card (1) multiple bank cards, identification documents, payment instruments terminate its use and transfer the money between the user and the bank via a single card. It provides access with the settings.

Smart Card (1) prevents card fraud and card fraud with the security measures it provides. Smart Card (1) in permanent connection (E) with Biometric Implant (A) If used, taking into account instant Location Information (F) Discounts and Campaigns in the user's location (G) It is ensured that he/she is informed.

Smart Card (1) is compatible with all currencies and payment units. It also provides the opportunity to make investments.

Even if the Smart Card (1) is physically damaged or lost, Cloud Biometric Implant (A), Mobile with information accessed via System (B) Making payments and performing other transactions with devices (C) It is possible.

Explanation of Figures Figures are presented to explain the invention and the presented figures demonstrate the invention. should not limit. Location and location of technical features on the invention Sizes are given symbolically and details shown are for preference. It is presented to explain the arrangement made.

The features on the card are in accordance with the legislation of the countries. may differ.

Figure 1- Front view of the Smart Card Figure 2- Back side view of the Smart Card Figure 3- Schematic view of the Smart Card and Payment system Figure 4- Schematic view of the Smart Card and Campaign system Explanation of References in Figures A- Biometric Implant B- Cloud System C- Mobile Device D- Payment and Transactions E-Connection F- Location Information G- Discount and Campaign 1- Smart Card 2- Smart Card Front Side 3- Smart Card Back Side 2-1-Citizenship Number 2-2-Bark0d or QR code 2-3-Bank Name 2-4-User Photography 2-5-Chip 2-6-Card Number 2-7- Card Holder Name and Surname 2-8- Contactless Payment Zone 2-9- Payment System Logo 3-1- Bank Contact Information 3-2- Card Security Code 3-3- Customer Number 3-4- Magnetic Strip Description of the invention In Figure 1 and Figure 2, the appearance of Smart Card (1) is given; Smart Card Front Side (2), Smart Card Back Side (3), Citizenship Number (2-1), Barcode or QR code (2-2), Bank Name (2-3), User Photo (2- 4), Chip (2-5), Card Number (2-6), Cardholder Name and Surname (2-7), Contactless Payment Area (2-8), Payment System Logo (2-9), Bank Communication Information (3-1), Card Security Code (3-2), Customer Number (3-3) and Contains Magnetic Strip (3-4) sections.

Figure 1 shows the Smart Card Front Side (2); preferably Citizenship Number (2-1), Barcode or QR code (2-2), Bank Name (2-3), User Photo (2-4), Chip (2-5), Card Number (2-6), Card Holder Name Surname (2-7), Contactless Payment Zone (2-8) and Payment System The logo contains sections (2-9).

Figure 2 shows the Smart Card Back Side (3) view; preferably Bank Contact Information (3-1), Card Security Code (3-2), Customer Number It includes sections (3-3) and Magnetic Strip (3-4).

The features of the Smart Card (1) are subject to the legal regulations of the country in which it is used. contains software or is programmable within the limits specified by Card using PC, ATM, mobile device, branch, phone or internet It is determined by the owner and/or the financial board.

The restrictions and authorizations of the Smart Card (1) are at the discretion of the cardholder. by the financial institution from which it receives service, depending on its financial situation determines.

Smart Card (1) also includes debit card, prepayment card, supplementary card, credit card It provides the opportunity to use as Different currencies and payment Transactions can be made through units.

Smart Card (1) is on the computer network of the financial institution to which it is registered. forward, current, foreign currency, investment account, gold account, etc. in their accounts You can use your existing savings in cryptocurrencies, foreign currency, digital and virtual money, commodity, Euro Bond, stocks, bonds, bills, EFT, Money Order, NFT buying and selling etc. financial transactions can be made.

Another usage preference is to use a bank card for easy access. Different cards such as payment cards, supplementary cards and credit cards can be processed on a separate platform. It is installed as and integrated into the Smart Card (1).

PC, ATM, mobile devices that contain software or can be programmed devices can be integrated into systems and/or used. Smart Card (1) The data obtained from its use will be shared with the companies and businesses that are members of the system. The data is processed only by the member companies that hold the card that they are members of the system. Purchases made with Smart Card (1) and/or existing cards are subject to invoice no. Can be paired with . Smart Card (1) and/or changes made to existing cards Instant transactions and invoices can be retrospectively recorded with barcodes and/or squares. The code is added and stored in the system, and can be printed out by the user.

Smart Card (1) is a system of encryption and security systems in known technology. Besides, it complies with the blockchain security protocol.

Smart Card includes (1) official, private and corporate identities, information, It is possible to install and use authorizations.

Barcode or QR Code (2-2) located on the Smart Card Front Side (2) It contains user information and, in addition to financial transactions, passport, health data and transactions, invitations, tickets and similar areas is used. Barcode or QR Code (2-2) is transferred to Mobile Devices (C) is also used. For security reasons, every time the transfer to the Mobile Device (C) a new barcode or QR code is created and these are scanned with a Smart Card (1). are paired and synchronized.

Contactless payment with Smart Card (1) and Biometric Implant (A) It can be integrated as a feature. Features of Smart Card (1) completely or optionally partially with Cloud System (B) is transferred to the six Biometric Implants (A). Location Information (F) and usage Advantageous Discounts and offers to the target audience by analyzing their habits Campaign (G) can be offered.

Even if the Smart Card (1) is stolen or destroyed, all features and/or user-specified features Cloud System (B), blockchain, the computer network on which it is registered, Mobile Devices (C), Can be used with Biometric Implant (A). All features newly created Can be transferred to Smart Card (1).

Includes software with a Smart Card (1) and/or existing cards, or programmable PC, mobile device disposable virtual card can be created and used, and e-pin transactions can be made.

Figure 3 shows the schematic view of the Smart Card and Payment system. Its appearance is given and its features are; Cloud except Smart Card (1) information It is stored in the System (B), the information is transferred via the Cloud System (B). Biometric Implant (A) and Mobile Device (C) are transferred and Payment and Other Transactions (D) are made.

Figure 4 shows the schematic view of the Smart Card and Campaign system. has been given; Smart Card (1) and/or Biometric Implant (A), Connection Discount after (E) determination of Location Information (F) after approval and rejection and approval or rejection is given from the Campaign (G).

Application of the invention to industry Smart Card (1) and Payment, which provide solutions to the problems mentioned above It is Development on Systems and is widely used in related fields. can be used.

Claims (7)

1- Invention is the Development on Smart Card (1) and Payment Systems, and its feature is; - On the Smart Card Front (2), the user's Citizenship Number (2-1), Barcode or QR Code (2-2), Bank Name to which the card belongs (2-3), User Photograph (2-4), Chip (2- 5), Card Number (2-6), Card Holder Name and Surname (2-7), Contactless Payment Zone (2-8) and Payment System Logo to which the card belongs (2-9), - Smart Card Back Side (3) It contains sections: Bank Contact Information (3-1), Card Security Code (3-2), Customer Number (3-3) and Magnetic Strip (3-4), which allows reading the information on the card. 2- It is the Smart Card Front Side (2) in Claim 1 and its feature is; The user's Citizenship Number (2-1), Barcode or QR code (2-2), Bank Name to which the card belongs (2-3), User Photograph (2-4), Chip (2-5), Card Number (2) -6), Card Holder Name and Surname (2-7), Contactless Payment Zone (2-8) and the Payment System Logo to which the card belongs (2-9). 3- It is the Smart Card Back Side (3) in Claim 1 and its feature is; It contains sections such as Bank Contact Information (3-1), Card Security Code (3-2), Customer Number (3-3) and Magnetic Strip (3-4), which allows reading the information on the card. 4- It is the Smart Card Front Side (2) in Claim 1 and its feature is; It contains Barcode and/or QR code (2-2) containing user information. 5- The Smart Card in the request is (1) and its feature is; It is compatible with Cloud System (B) and Biometric Implant (A). 6- It is the Smart Card Front Side (2) in Claim 1 and its feature is; It contains a User Photography (2-4) section where the user's photo is included. 7- It is the Smart Card Front Side (2) in Claim 1 and its feature is; It contains a Citizenship Number (2-1) section where the user's citizenship number is included.