WO2008106831A1

WO2008106831A1 - Multi-application stored-value financial card

Info

Publication number: WO2008106831A1
Application number: PCT/CN2007/001040
Authority: WO
Inventors: Yunnan Qiu
Original assignee: Yunnan Qiu
Priority date: 2007-03-07
Filing date: 2007-03-30
Publication date: 2008-09-12
Also published as: CN101261754A

Abstract

A multi-application stored-value financial card is provided. By a internal number of the stored-value financial card, the system authenticates whether the stored-value financial card is correct or not. If the internal number is correct, the action of deducting money or adding value is carried out, and the information is returned to the system. The value is stored into a memory in the chip through I/O. At the system side, the action of deducting money or storing value will be recorded. The action of adding value can be done at the ATM which is near to the customer without using the cash. The stored value can be limited so as to enable a customer to give the card to children as pocket money conveniently. The stored-value financial card can also be used to dial a public telephone without buying a phone card, or to take vehicles without the trouble of preparing dibs, or to pay the bill in the shop. The stored-value financial card has a multi-application function to enable a customer to go out without carrying a lot of cards with him so as to reduce the risk of losing cards.

Description

A stored value financial card with multiple applications

Technical field

The invention relates to a stored value financial card, in particular to a stored value financial card capable of multiple applications. Background technique

The previous VISA card is limited to a single use method. Although it can also be used for deduction, it can only be used by stores that can use credit cards. If you do not carry enough cash, you must be at the store where you can use your credit card. For shopping, the VISA card cannot limit the amount of use. It can only be used according to how many deposits are in the account. It often makes people over-expenditure their own budget, which makes it inconvenient to use money in the future. If the VISA card is used for children, the amount of the VISA card is often quite large. If it is used by children, the amount is too large and is not suitable for children's money needs. If you give young people, because the amount is not small, it often leads to wrong money concepts.

In the past, people who used public transportation vehicles could not use the VISA card to make deductions. They had to prepare additional change or a leisure card to perform the deduction. It is quite inconvenient. If the amount of the card is insufficient, It is necessary to go to a specific location to carry out the stored value action, and the way of storing the value also limits the need to use the stored value of cash, and the convenience is insufficient.

Therefore, in the application of common technologies, there are still many missing, and it is necessary to improve. Summary of the invention

The object of the present invention is to overcome the deficiencies of the prior art, and to provide a stored value financial card capable of multiple applications, which can perform value-added actions in proximity to its own ATM, without using cash stored value, and can be limited. The stored value is convenient for the customer to use as a petty cash for the child; the stored value financial card can also make a public telephone call, no need to purchase a calling card or can be used to take a transportation vehicle, eliminating the trouble of preparing for the change itself, or Used when the store is shopping for checkout, the stored value financial card has a variety of application functions, allowing customers to go out without having to carry a lot of cards, reducing the risk of loss.

In order to achieve the above object, the technical solution adopted by the present invention is: Providing a stored value financial card capable of having various applications, which is used in an ATM system of a financial institution and a plurality of electronic devices that require payment, and the stored value financial card Contains the following components:

a processor chip; processing various things in the system; including the increase or decrease of the stored value;

a memory, connected to the chip, and accessing related data in the system; the memory includes: an inner code area, storing an inner code, which is a number unique to the stored value financial card, and identifying whether the stored value financial card is One A stored value financial card acceptable to ATM;

a stored value area, recording the amount of stored value;

An input/output mechanism (I I 0 ); is the input and output of data of the system;

After inserting the stored-value financial card, the ATM system screen will display a menu, you can select the stored value function, enter the stored value amount in the screen, determine the stored value, the financial institution's system will confirm whether the account has sufficient amount The stored value operation can be performed, and the information is transmitted back to the ATM, and the stored value is stored in the memory via the 1/0 chip. After the stored value operation is completed, the bank system side will record the stored value record.

The invention has the advantages of wide application range, convenient use, multi-use of one card, simple punching value, and limited storage. DRAWINGS

1 is a block diagram showing the structure of a stored value financial card of the present invention;

2 is a schematic diagram of a stored value financial card stored value method of the present invention;

3 is a flow chart of a stored value method of the stored value financial card of the present invention;

4 is a flow chart showing the use of the application side of the stored value financial card of the present invention;

5 is a schematic diagram of a general electronic device and system of a stored value financial card of the present invention;

6 is a schematic diagram of an application function of a stored value financial card of the present invention;

7 is a schematic diagram of an application function of a stored value financial card of the present invention;

Figure 8 is a schematic diagram of the application function of the stored value financial card of the present invention.

DESCRIPTION OF REFERENCE NUMERALS: 1-stored value financial card; 10-memory; 11-internal code; 20-processor chip; 30-input/output mechanism (I/O); 101-inner code area; 102-stored value area . detailed description

The above and other features and advantages of the present invention will become more fully understood from

1 shows a stored value financial card 1 having a plurality of applications according to a first embodiment of the present invention, and the stored value financial card 1 includes the following components:

a processor chip 20; for processing various things in the system, used in an ATM system of a financial institution and a plurality of electronic devices that are subject to payment;

A memory 10 is coupled to the chip 20 for accessing relevant data in the system. The memory 10 includes an inner code area 101 for storing an inner code, which is a number unique to the stored value financial card, and is used to identify whether the stored value financial card is A stored value financial card acceptable to an ATM; a stored value area 102 for recording the value of the stored value for later use;

An input/output mechanism (I I 0) 30; input and output of data for the stored value financial card 1.

Please refer to FIG. 3, which shows an operation flowchart of the card stored value in the system of the present invention. When the stored value financial card 1 is inserted into an ATM, the system will recognize whether the internal code 11 of the stored value financial card 1 is correct (step 201). If the internal code 11 is correct, you will be asked to enter the password (step 202). After entering the correct password, the ATM system screen will display a menu asking if you want to store the value (step 203); to store the value, enter it in the screen. The stored value amount (step 204); After determining the stored value amount, the bank confirms whether the account has sufficient amount to perform the stored value action (step 205); then returns the information to the ATM, via II 0, and the chip stored value Into the memory (step 206); After the stored value operation is completed, the bank system side will record the stored value record (step 207).

FIG. 4 shows an application flow chart of the present invention, and FIG. 5 is a block diagram of components related to the flow chart of FIG. The invention is applied to an application having a payment electronic device. In use, the stored value financial card is inserted into the slot of the electronic device (step 401); the system will recognize whether the stored value financial card internal code is correct (step 402); if the internal code is correct, the password will be required (step 403) After inputting the correct password, the application side will confirm whether there is sufficient balance (step 404); if the stored value financial card has sufficient balance, the electronic device of the application end can be used (step 405); after use, the application The end notifies the financial institution end and the stored value financial card end to perform the action of deduction at the same time (step 406); when the balance is used up, the use of the stored value financial card is stopped (step 407). In another application, the customer can use the stored-value financial card directly to use the electronic device without entering a password. This method is suitable for small amounts of money.

As shown in FIG. 6, the application of the present invention is that when the public value phone is inserted, the system will recognize whether the stored value financial card internal code is correct. If the internal code is correct, the password will be required and the input is correct. After the password, the debit system will confirm whether there is sufficient balance. If the stored value financial card has sufficient balance, you can make a call. After the use, the financial institution and the stored-value financial card will be notified at the same time. Action, when the balance is exhausted, it will stop using, the information will also be stored in the memory via (II 0), the chip will record the usage record; in another application, the customer can not enter the password. , use the stored value financial card to make a call directly.

As shown in FIG. 7, the application of the present invention is that when a public transportation vehicle is inserted into a deduction system, the system will recognize whether the stored value financial card internal code is correct, and if the internal code is correct, the public transportation vehicle buckle The system will perform the action of deduction. If the balance is insufficient, it will display the deduction action. The system will also record the deduction action. The information will also be stored in the memory via I/O and chip. The identification work is quite fast. It can save the trouble of people who have to take the mass transit vehicle to prepare change, and also save the time waiting for the train. If the balance of the stored-value financial card is found to be insufficient, just go to the nearby ATM to store the value, you don’t need to worry about the body. There is not enough cash to store the value.

As shown in FIG. 8, the application of the present invention is that when the customer uses the stored-value financial card to store the checkout, the system will recognize whether the stored-value financial card is correct if the stored-value financial card is inserted into the debit system, if the internal code Correctly, the debit payment system of the store will perform the deduction of the purchase settlement amount. After the deduction, the system will display the balance after the deduction. If the balance is insufficient, the system will display that this cannot be completed. In the transaction, the information will also be stored in the memory via I/O and chip, and the system will record the deduction action; in another application, the customer can use the stored-value financial card as a child. For petty cash, you can change the amount of stored value at any time. You don't have to worry about the children spending too much money. You can also avoid giving the children cash, but it is easy to get rid of the trouble, adding a lot of convenience to the customer.

The invention is a stored value financial card capable of multiple applications, and can be added to the ATM in proximity to its own ATM, and does not need to use the stored value of the cash, and can limit the stored value, so that the customer can conveniently give other people (such as children at home) used as petty cash; the stored value financial card can also call public telephones, no need to buy a calling card or can be used to take transportation, eliminating the need to prepare for change, or shop at the store Used in the account, the stored-value financial card has a variety of application functions, allowing customers to go out without having to carry a lot of cards, reducing the risk of loss.

It is to be understood that the foregoing description of the embodiments of the present invention are intended to be illustrative and not restrictive It is intended to be within the scope of the invention as defined.

Claims

Rights request

A stored value financial card capable of having a plurality of applications, which is used in an ATM system of a financial institution and a plurality of electronic devices that are subject to payment, wherein: the stored value financial card comprises the following components:

a processor chip that processes various things in the system, including the increase or decrease of the stored value;

a memory, connected to the chip, and accessing related data in the system; the memory includes: an inner code area, storing an inner code, which is a number unique to the stored value financial card, and identifying whether the stored value financial card is a stored value financial card acceptable to an ATM;

a stored value area, recording the amount of stored value; '

An input/output mechanism; is the input and output of the data of the system

2 . The stored value financial card capable of having multiple applications according to claim 1 , wherein: the stored value financial card is used at an application end, and the application end comprises a payment electronic device, and the stored value is used. The financial card outputs an internal code, and the system identifies, according to the output internal code, whether the stored-value financial card is an acceptable stored-value financial card and whether the stored-value financial card has sufficient balance, and if so, the electronic device can be used. And related goods and services.

The stored value financial card capable of having multiple applications according to claim 2, wherein: the application terminal debits the stored value financial card via an input/output mechanism and a chip, and The debit record is transmitted back to the financial institution, and the financial institution performs the synchronous deduction action.

4. A stored value financial card capable of having a plurality of applications according to claim 2, wherein: said application end requires the stored value financial card user to input a password.

The stored value financial card capable of having multiple applications according to claim 2, wherein: when the balance is used up, the stored value financial card is stopped, and the stored value financial card is not allowed. use.

6. A stored value financial card capable of having a plurality of applications according to claim 2, wherein: said application end is one of a public telephone, a public transportation, a convenience store, a hotel, a store, and a parking lot.