Multi-bank-card-in-one device and method for payment by using same

Abstract

The invention discloses a multi-bank-card-in-one payment device and a method for payment by using the same. The device comprises a universal serial bus (USB) interface and a storage area divided into several areas, wherein the storage area comprises a safety control storage area for storing information such as card level safety application and a control key, a bank card information storage area for safely storing encrypted account information of multiple bank cards, and an expansion storage area divided into multiple separated functional areas. The device can be used as a safety carrier of the account information of the multiple bank cards to perform two types of payment, namely spot payment and remote payment, and expansion application of other functions, thereby facilitating uniform management over data of various bank cards and other information carriers, and payment by a card owner, and providing higher safety as well as a more convenient and faster payment experience.

Description

technical field [0001] The invention relates to a bank card payment system, in particular to a technique for collecting and paying multiple bank cards in a unified device. Background technique [0002] With the development of bank card technology and social progress, using bank card payment has become a consumption habit. The existing payment methods are divided into two types: on-site payment mode and remote payment mode. In the on-site payment mode, the cardholder selects goods or services in the physical merchant store, and completes the face-to-face transaction by swiping the physical bank card; in the remote payment mode, the cardholder browses the online mall through a computer terminal to select goods or services and transfers funds through the online bank Complete non-face-to-face transactions. But there are some disadvantages: [0003] 1. The cardholder carries and manages several bank cards and industry cards, and selects the appropriate card for transactions dur...

AI Technical Summary

Problems solved by technology

[0003] 1. The cardholder carries and manages several bank cards and industry cards, and chooses an appropriate card for transactions during the payment process. It is very cumbersome and inconvenient to carry, manage, and select multiple cards

[0004] 2. Sensitive information such as magnetic track information is easy to be monitored and stolen by criminals through illegal means during the payment process of cardholders;

[0005] 3. The stored information of the existing bank cards is too single, which makes it difficult for the issuing bank to provide targeted and special services to cardholders;

[0006] 4. Single password protection, there are potential security risks;

[0007] 5. Most online banks use USB-KEY, IE certificate plus password card, download file certificate, etc. to ensure payment security. The bank card number is used in the transaction process, and the magnetic track information in the physical card is not required. There are security risks in non-magnetic transactions;

[0008] 6. Each bank card used for remote payment needs to open the online banking business at the counter separately, and involves multiple passwords such as bank card payment password, online banking payment password, query password, etc., which brings a lot of cumbersome and uncomfortable to the cardholder. convenient;

[0009] 7. The forms of certificates corresponding to bank cards issued by different banks are different, and the operation forms are very inconsistent, which brings cumbersome and inconvenient use and management to cardholders;

[0010] 8. The stored information of the existing bank cards is too single, which is not convenient for the issuing bank to provide targeted and special services to cardholders

[0011] It can be seen that it is very inconvenient to have multiple bank cards of different banks and need to carry many bank cards frequently. A unified mode that can centrally manage various bank cards is needed

Images