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A financial card and its usage method

A technology for financial cards and users, applied in the field of financial cards, can solve the problem of not being able to meet the payment security and convenience experience of financial cards at the same time, achieve good security and convenience, avoid security risks, and improve security and convenience. Effect

Active Publication Date: 2019-11-08
HENGBAO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] It can be seen that the existing payment scheme will be limited by factors such as mobile phone performance, function configuration and network, and cannot satisfy the security and convenience experience of financial card payment at the same time.

Method used

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  • A financial card and its usage method
  • A financial card and its usage method
  • A financial card and its usage method

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Embodiment Construction

[0066] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0067] Optionally, as in figure 1 As shown, the financial card also includes an external contact point 4, which is used for electrical connection with the card reader in the contact card swiping transaction mode. For example, when swiping a card in contact mode, hold the upper part of the financial card and forcefully push the financial card forward along the card slot of the card reader, so that the financial card is electrically connected to the card reader.

[...

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PUM

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Abstract

The invention provides a financial card and a use method thereof, and relates to the intelligent card technology field. Safety and convenience of financial card payment are improved. The financial card comprises a safety chip, a function chip, a wireless communication chip, a display screen, and a power supply. The wireless communication chip is communicated with an external device, and whether transaction requests received by the financial card relate to processing of safety data is determined; the transaction requests relevant to the safety data processing are transmitted to the safety chip, and the transaction requests irrelevant to the safety data processing are transmitted to the function chip; the safety chip is used for processing the safety data according to the received transaction requests, and is used for converting the processed safety data into two-dimensional codes by the wireless communication chip, and is used for transmitting the two-dimensional codes to the display screen; and the display screen is used to display the received processed safety data in a way of two-dimensional codes. The safety and the convenience of the financial card payment are improved.

Description

technical field [0001] This application relates to the technical field of smart cards, in particular to a financial card and its usage method. Background technique [0002] With the rise of mobile payment, people are becoming more and more accustomed to paying through mobile terminals such as mobile phones and tablets. As far as the existing payment solutions are concerned, the security level of pure software payment methods is low, such as mobile payment and QR code scanning Payment, etc.; if you choose a USB electronic cipher for payment, you need to physically connect to the computer for payment operations; and if you use trusted execution environment, security chip and other payment solutions, you need to update the hardware platform. [0003] It can be seen that the existing payment scheme will be limited by factors such as mobile phone performance, function configuration and network, and cannot satisfy the security and convenience experience of financial card payment a...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06K19/077G06Q20/34G06Q20/38G06Q20/40
CPCG06K19/0772G06Q20/341G06Q20/382G06Q20/4014
Inventor 马艳伟
Owner HENGBAO
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