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Financial IC card, payment system and payment method

A financial and card technology, applied in the electronic field, can solve the problems of complex payment process, cardholders’ inability to use financial IC cards for payment, single payment method, etc., and achieve the effects of avoiding malicious imitation, high security, and convenient operation

Pending Publication Date: 2017-02-08
BEIJING HUADA ZHIBAO ELECTRONICS SYST
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, when a cardholder uses a financial IC card for payment, he must first swipe the card on the merchant's card swiping device (such as a POS machine), then enter the payment password on the card swiping device, and complete the payment process after signature confirmation. The entire payment process is relatively complicated.
In addition, if the merchant is not equipped with a card swiping device, the cardholder cannot use the financial IC card to pay at the merchant
[0004] It can be seen that the payment method of the current financial IC card is still relatively simple, how to improve the financial IC card to further enrich the payment method of the financial IC card is a technical problem faced by those skilled in the art

Method used

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  • Financial IC card, payment system and payment method
  • Financial IC card, payment system and payment method
  • Financial IC card, payment system and payment method

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Embodiment Construction

[0035] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is only some embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0036] The invention provides a financial IC card, which provides a new financial IC card payment method by improving the existing financial IC card.

[0037] see figure 1 , figure 1 It is a structural schematic diagram of a financial IC card disclosed by the present invention. The financial IC card includes a card body 1 , a financial IC ...

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Abstract

The invention discloses a financial IC card. The financial IC card includes a card body, a financial IC card chip, a microprocessor, a display screen, a motion sensor and a battery. When a user holds the financial IC card so as to perform air signature, the financial IC card chip analyzes the movement parameter information of the financial IC card so as to determine gesture data in the process of the current air signature, judges whether the gesture data are matched with pre-stored gesture data, generates a two-dimensional code through using user information and a dynamic factor when judging that the gesture data are matched with the pre-stored gesture data, and transmits the two-dimensional code to the microprocessor; and the microprocessor controls the display screen to display the two-dimensional code. The financial IC card disclosed by the invention has a two-dimensional code payment function, the security of the payment of the financial IC card is higher, the use range of the financial IC card is wider, and the operation of the user is simple and convenient. The present invention also discloses a payment system and a payment method.

Description

technical field [0001] The invention belongs to the field of electronic technology, and in particular relates to a financial IC (Integrated Circuit, integrated circuit) card, a payment system and a payment method. Background technique [0002] With the development of technology, the financial industry has issued a variety of financial IC cards to replace traditional magnetic stripe cards. Cardholders can use the financial IC card to pay conveniently and quickly, and compared with the traditional magnetic stripe card, it can improve the security of payment. [0003] At present, when a cardholder uses a financial IC card for payment, he must first swipe the card on the merchant's card swiping device (such as a POS machine), then enter the payment password on the card swiping device, and complete the payment process after signature confirmation. The entire payment process is relatively complicated. . In addition, if the merchant is not equipped with a card swiping device, the...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K19/077G06Q20/34G06Q20/40
CPCG06K19/0772G06Q20/34G06Q20/4014
Inventor 王建林张强陈良靳松胡庆格周飞徐翔张炜侯高鹏刘建军
Owner BEIJING HUADA ZHIBAO ELECTRONICS SYST
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