CN101261754A - Value-stored financial card with multiple applications - Google Patents
Value-stored financial card with multiple applicationsDownload PDFInfo
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- CN101261754A CN101261754ACNA2007100800755ACN200710080075ACN101261754ACN 101261754 ACN101261754 ACN 101261754ACN A2007100800755 ACNA2007100800755 ACN A2007100800755ACN 200710080075 ACN200710080075 ACN 200710080075ACN 101261754 ACN101261754 ACN 101261754A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3574—Multiple applications on card
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及一种储值金融卡，尤其是一种可具多种应用的储值金融卡。The invention relates to a stored-value financial card, in particular to a stored-value financial card with multiple applications.
背景技术Background technique
以前的VISA卡仅限于单种使用方式，虽然也可以进行扣款的动作，但仅限于可以使用信用卡的店家使用，若身上并未携带足够的现金，就必须一定要到能使用信用卡的店家才能进行购物，该VISA卡无法限定使用金额，只能针对账户里有多少存款就可使用多少金额，常常让人在不知不觉中超过了自己所预算的花费，造成日后金钱上运用的不方便，若给小朋友使用该VISA卡，往往该VISA卡的额度相当大，若给小朋友使用，往往金额过大，并不适于小孩在金钱上的需要。若给年青人，也由于金额并不小，所以往往造成错误的金钱观念。The previous VISA card was limited to a single way of use. Although it can also be used for deduction, it is only used in stores that accept credit cards. If you do not carry enough cash, you must go to a store that accepts credit cards. For shopping, the VISA card cannot limit the amount of use, but can only use as much money as there is in the account. People often unknowingly exceed their budgeted expenses, causing inconvenience in future money use. If the VISA card is used for children, the amount of the VISA card is often quite large, and if used for children, the amount is often too large, which is not suitable for the children's financial needs. If it is given to young people, because the amount is not small, it often leads to wrong concept of money.
以前搭乘大众运输工具的人，并无法使用该VISA卡来进行扣款的动作，必须再另外准备零钱或者是悠游卡，才能进行扣款的动作，相当的不方便，若悠游卡金额不足时，必须要到特定的地点才可以进行储值的动作，而储值的方式也限定需用现金储值，便利性不足。People who used to take public transportation could not use the VISA card to deduct money. They had to prepare additional change or Easy Card to deduct money. It was quite inconvenient. If the amount in the Easy Card was insufficient, You have to go to a specific place to store value, and the method of storing value is also limited to cash storage, which is not convenient enough.
所以在常见技术的应用中，仍存在多项的缺失，有必要加以改进。Therefore, in the application of common technologies, there are still many deficiencies, and it is necessary to improve them.
发明内容Contents of the invention
本发明的目的是克服现有技术的不足，提供一种可具多种应用的储值金融卡，可以在邻近自己的ATM，就可进行加值的动作，不需要使用现金储值，可以限定储值金额，让客户方便给小朋友当做零用金使用；该储值金融卡也可以拨打公用电话，无须再购买电话卡或者可以用来搭乘交通运输工具，免除了要自行准备零钱的麻烦，也可以在商店购物结帐时使用，该储值金融卡具有多种应用的功能，可以让客户出门不需要再携带一大堆卡片，减少遗失的风险。The purpose of the present invention is to overcome the deficiencies of the prior art, to provide a stored-value financial card that can be used in multiple applications, and can perform value-adding actions near one's own ATM, without using cash to store value, and can be limited The stored-value amount allows customers to use it as pocket money for children; the stored-value financial card can also be used to make calls to public telephones without the need to purchase a phone card or can be used to take transportation, eliminating the trouble of preparing change by yourself. Used when shopping at the store, the stored-value financial card has a variety of application functions, allowing customers to go out without carrying a lot of cards and reducing the risk of loss.
为了实现上述目的，本发明采用的技术方案是：提供一种可具有多种应用的储值金融卡，使用在金融机构的ATM系统及多种需付费的电子装置中，所述储值金融卡包含下列组件：In order to achieve the above object, the technical solution adopted by the present invention is to provide a stored-value financial card with multiple applications, which can be used in ATM systems of financial institutions and various electronic devices that need to be paid. Contains the following components:
一处理器芯片；处理系统中的各项事物；其中包含储值的增减；A processor chip; handles various things in the system; including the increase and decrease of stored value;
一内存，连接到芯片，存取系统中的相关数据；所述内存包含：A memory, connected to the chip, to access relevant data in the system; the memory includes:
一内码区，储存一内码，是所述储值金融卡专属的号码，辨识所述储值金融卡是否为一ATM所可以接受的储值金融卡；An inner code area stores an inner code, which is a number exclusive to the stored-value financial card, and identifies whether the stored-value financial card is a stored-value financial card acceptable to an ATM;
一储值区，记录储值的额度；A stored value area, recording the amount of stored value;
一输入/输出机构(I/O)；是系统的数据的输入与输出；An input/output mechanism (I/O); it is the input and output of system data;
当插入储值金融卡后，ATM系统画面将会出现菜单，可以选择储值的功能，在画面中输入储值金额，确定储值金额后，金融机构端的系统将会确认账户是否有足够的金额，可以进行储值的动作，再将信息回传至ATM，经由I/O、芯片储值至内存内，储值的动作结束后，银行系统端将会记录此次储值记录。After inserting the stored-value financial card, a menu will appear on the ATM system screen, where you can choose the stored-value function, enter the stored-value amount on the screen, and after confirming the stored-value amount, the financial institution's system will confirm whether the account has enough money , the action of storing value can be performed, and then the information is sent back to the ATM, and the value is stored in the memory via I/O and chip. After the action of storing value is completed, the bank system will record the stored value record.
本发明的优点是：应用范围广，使用方便，一卡多用，冲值简单，可限制储额。The invention has the advantages of wide application range, convenient use, one card with multiple functions, simple recharging, and limited reserve.
附图说明Description of drawings
图1是本发明的储值金融卡结构方块图；Fig. 1 is the structural block diagram of stored-value financial card of the present invention;
图2是本发明的储值金融卡储值方式的示意图；Fig. 2 is the schematic diagram of the stored-value financial card storage method of the present invention;
图3是本发明的储值金融卡的储值方式流程图；Fig. 3 is the flow chart of the stored-value method of the stored-value financial card of the present invention;
图4是本发明的储值金融卡的应用端使用的流程图；Fig. 4 is the flow chart that the application end of stored-value financial card of the present invention uses;
图5是本发明的储值金融卡的一般电子装置与系统的示意图；Fig. 5 is a schematic diagram of the general electronic device and system of the stored-value financial card of the present invention;
图6是本发明的储值金融卡应用功能的示意图；Fig. 6 is a schematic diagram of the application function of the stored-value financial card of the present invention;
图7是本发明的储值金融卡应用功能的示意图；Fig. 7 is a schematic diagram of the application function of the stored-value financial card of the present invention;
图8是本发明的储值金融卡应用功能的示意图。Fig. 8 is a schematic diagram of the application function of the stored-value financial card of the present invention.
附图标记说明：1-储值金融卡；10-内存；11-内码；20-处理器芯片；30-输入/输出机构(I/O)；101-内码区；102-储值区。Description of reference signs: 1-stored value financial card; 10-memory; 11-internal code; 20-processor chip; 30-input/output mechanism (I/O); 101-internal code area; 102-stored value area .
具体实施方式Detailed ways
本发明的上述和另外的特征、优点可以通过以下结合附图的详细说明得到进一步的理解。The above and other features and advantages of the present invention can be further understood through the following detailed description in conjunction with the accompanying drawings.
图1显示本发明第一实施例的可具有多种应用的储值金融卡1，该储值金融卡1包含下列组件：Fig. 1 shows the stored-value financial card 1 that can have multiple applications according to the first embodiment of the present invention, and the stored-value financial card 1 includes the following components:
一处理器芯片20；用于处理系统中的各项事物，使用在金融机构的ATM系统及多种须付费的电子装置中；A processor chip 20; used to process various things in the system, used in ATM systems of financial institutions and various electronic devices that require payment;
一内存10，连接到芯片20，用于存取系统中的相关数据。该内存10包含一内码区101用于储存一内码，为该储值金融卡专属的号码，用于辨识该储值金融卡是否为一ATM所可以接受的储值金融卡；一储值区102，用于记录储值的额度，以备往后使用；A memory 10, connected to the chip 20, is used for accessing related data in the system. The memory 10 includes an inner code area 101 for storing an inner code, which is a unique number of 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, used to record the amount of stored value for future use;
一输入/输出机构(I/O)30；用于该储值金融卡1的数据的输入与输出。An input/output mechanism (I/O) 30; used for input and output of data of the stored-value financial card 1.
请参考图3，其中显示本发明的系统中插卡储值的操作流程图，当将储值金融卡1插入一ATM后，系统会辨识储值金融卡1的内码11是否正确(步骤201)，如果内码11正确，将会要求输入密码(步骤202)，输入正确密码后，ATM系统画面将会出现菜单，询问是否储值(步骤203)；若要储值，即在画面中输入储值金额(步骤204)；确定储值金额后，银行端确认账户是否有足够的金额，以进行储值动作(步骤205)；再将信息回传至ATM，经由I/O、及芯片储值至内存内(步骤206)；储值的动作结束后，银行系统端将会记录此次储值记录(步骤207)。Please refer to Fig. 3 , which shows the operation flowchart of inserting the card stored value in the system of the present invention, after the stored-value financial card 1 is inserted into an ATM, the system can identify whether the inner code 11 of the stored-value financial card 1 is correct (step 201 ), if the internal code 11 is correct, it will ask to input the password (step 202), after inputting the correct password, a menu will appear on the ATM system screen, asking whether to store value (step 203); Stored value amount (step 204); After determining the stored value amount, the bank confirms whether the account has enough money to perform the stored value action (step 205); and then returns the information to the ATM, via I/O and chip storage value in the internal memory (step 206); after the action of storing the value is completed, the bank system end will record the stored value record (step 207).
如图4显示本发明的应用流程图，图5为图4流程图相关的组件方块图。其中本发明是应用于具有付费电子装置的应用端。使用时，将储值金融卡插入该电子装置的插槽后(步骤401)；系统会辨识储值金融卡内码是否正确(步骤402)；如果内码正确，将会要求输入密码(步骤403)；输入正确密码后，应用端将会确认是否有足够的余额(步骤404)；若该储值金融卡有足够的余额就可使用该应用端的电子装置(步骤405)；使用完后，应用端即通知金融机构端及储值金融卡端同时进行扣款的动作(步骤406)；当余额用尽时，则停止使用该储值金融卡的使用(步骤407)。在另一种应用之中，客户可以不用输入密码，直接使用储值金融卡使用该电子装置，此种方法适用于小额度的款项。FIG. 4 shows an application flowchart of the present invention, and FIG. 5 is a block diagram of components related to the flowchart in FIG. 4 . Wherein the present invention is applied to the application end with payment electronic devices. During use, after inserting the stored-value financial card into the slot of the electronic device (step 401); the system will identify whether the internal code of the stored-value financial card is correct (step 402); if the internal code is correct, it will require input of a password (step 403 ); after entering the correct password, the application will confirm whether there is enough balance (step 404); if the stored-value financial card has enough balance, the electronic device of the application can be used (step 405); after use, the application The terminal notifies the financial institution terminal and the stored-value financial card terminal to simultaneously deduct money (step 406); when the balance is exhausted, stop using the stored-value financial card (step 407). In another application, the customer can directly use the stored-value financial card to use the electronic device without inputting a password, and this method is suitable for small sums of money.
如图6，本发明的应用是当拨打公用电话时，将储值金融卡插入后，系统会辨识储值储值金融卡内码是否正确，如果内码正确，将会要求输入密码，输入正确密码后，扣款系统将会确认是否有足够的余额，若该储值金融卡有足够的余额就可拨打电话，使用完毕后，即通知金融机构端及储值金融卡端同时进行扣款的动作，当余额用尽时，则停止使用，信息也会经由(I/O)、芯片储值至内存内，系统端将会记录此次使用记录；在另一种应用中，客户可以不用输入密码，直接使用储值金融卡拨打电话。As shown in Figure 6, the application of the present invention is that when dialing a public phone, after inserting the stored-value financial card, the system will identify whether the internal code of the stored-value financial card is correct. If the internal code is correct, it will ask to enter the password, and the input is correct. After entering the password, the deduction system will confirm whether there is enough balance. If the stored-value financial card has enough balance, you can make a call. After using it, it will notify the financial institution and the stored-value financial card to simultaneously deduct the money. Action, when the balance is exhausted, it will stop using, and the information will also be stored in the memory through (I/O) and chip, and the system will record this usage record; in another application, the customer does not need to input Password, directly use the stored-value financial card to make calls.
如图7，本发明的应用是当搭乘大众运输工具的人，将储值金融卡插入扣款系统后，系统会辨识储值金融卡内码是否正确，如果内码正确，大众运输工具的扣款系统端将会进行扣款的动作，若余额不足将会显示无法进行扣款动作；系统端也会记录此次扣款动作，信息也会经由I/O、芯片储值至内存内，系统的辨识作业相当快速，可以节省掉搭乘大众运输工具的人必须准备零钱的麻烦，也可以节省等待上车的时间，若发现储值金融卡余额不足时，只要到附近ATM进行储值的动作即可，不需要担心身上没有足够现金可以储值。As shown in Figure 7, the application of the present invention is that when a person taking a public transportation inserts the stored-value financial card into the deduction system, the system will identify whether the internal code of the stored-value financial card is correct. If the internal code is correct, the deduction of the public transportation The payment system side will carry out the deduction action. If the balance is insufficient, it will display that the deduction action cannot be performed; the system side will also record the deduction action, and the information will also be stored in the memory through I/O and chips. The identification operation is quite fast, which can save the trouble of having to prepare change for people taking public transportation, and can also save the time of waiting for boarding. If you find that the stored-value financial card has insufficient balance, you only need to go to the nearby ATM to store the value. Yes, there is no need to worry about not having enough cash to store value.
如图8，本发明的应用是当客户使用储值金融卡到商店购物结帐时，将储值金融卡插入扣款系统机后，系统会辨识储值金融卡内码是否正确，如果内码正确，店家的扣款系统端将会进行对此次购物结帐金额的扣款的动作，进行扣款后，系统会显示此次扣款后的余额，若余额不足系统将会显示无法完成此次交易，信息也会经由I/O、芯片储值至内存内，系统端也会记录此次扣款动作；是在另一种应用之中，客户可以将该储值金融卡当做给小朋友的零用金，可以随时更改储值的金额，不需要担心小朋友会过度花用，也可以避免掉给小朋友现金，却容易弄不见的麻烦，替客户增加许多便利性。As shown in Figure 8, the application of the present invention is that when a customer uses a stored-value financial card to shop and checkout in a store, after inserting the stored-value financial card into the debit system machine, the system will identify whether the internal code of the stored-value financial card is correct. Correct, the store’s deduction system will carry out the deduction of the purchase checkout 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. For a transaction, the information will also be stored in the memory via I/O and chip, and the system will also record the deduction action; in another application, the customer can use the stored-value financial card as a gift card for children. For petty cash, you can change the amount of stored value at any time, so you don’t need to worry about children spending too much, and you can also avoid the trouble of losing cash to children, which is easy to lose, and adds a lot of convenience to customers.
本发明是一种可具多种应用的储值金融卡，可以在邻近自己的ATM，就可进行加值的动作，不需要使用现金储值，可以限定储值金额，让客户方便给其它人(如家中的小孩)当做零用金使用；该储值金融卡也可以拨打公用电话，无须再购买电话卡或者可以用来搭乘交通运输工具，免除了要自行准备零钱的麻烦，也可以在商店购物结帐时使用，该储值金融卡具有多种应用的功能，可以让客户出门不需要再携带一大堆卡片，减少遗失的风险。The present invention is a stored-value financial card with multiple applications, which can add value at an ATM adjacent to itself, does not need to use cash to store value, and can limit the amount of stored value, making it convenient for customers to give it to others (such as children in the family) as pocket money; the stored-value financial card can also make calls to public telephones, no need to buy phone cards or can be used to take transportation, eliminating the trouble of preparing change by yourself, and can also be used for shopping in stores This stored-value financial card has a variety of application functions, so that customers do not need to carry a lot of cards when going out, reducing the risk of loss.
应当理解，以上结合实施例的说明对本发明而言只是说明性而非限制性的，在不脱离本发明的精神和范围内，可对本发明做出许多变更和修改，其都将落在由权利要求所限定的本发明的范围内。It should be understood that the above descriptions in conjunction with the embodiments are only illustrative and non-restrictive for the present invention. Many changes and modifications can be made to the present invention without departing from the spirit and scope of the present invention. within the scope of the invention as defined by the requirements.
Claims (6)
Translated fromChinesePriority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100800755ACN101261754A (en) | 2007-03-07 | 2007-03-07 | Value-stored financial card with multiple applications |
| PCT/CN2007/001040WO2008106831A1 (en) | 2007-03-07 | 2007-03-30 | Multi-application stored-value financial card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100800755ACN101261754A (en) | 2007-03-07 | 2007-03-07 | Value-stored financial card with multiple applications |
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| Publication Number | Publication Date |
|---|---|
| CN101261754Atrue CN101261754A (en) | 2008-09-10 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007100800755APendingCN101261754A (en) | 2007-03-07 | 2007-03-07 | Value-stored financial card with multiple applications |
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| Country | Link |
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| CN (1) | CN101261754A (en) |
| WO (1) | WO2008106831A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH09185658A (en)* | 1995-12-27 | 1997-07-15 | N T T Data Tsushin Kk | Electronic cash dealing system |
| US6038551A (en)* | 1996-03-11 | 2000-03-14 | Microsoft Corporation | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer |
| DE69723994T2 (en)* | 1996-09-13 | 2004-07-22 | Oki Electric Industry Co., Ltd. | ELECTRONIC TRANSACTION SYSTEM |
| US6000608A (en)* | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
| JP2000215286A (en)* | 1999-01-26 | 2000-08-04 | Canon Inc | Electronic currency, usage of electronic currency, electronic currency system and storage medium |
| AU6290001A (en)* | 2000-01-18 | 2001-08-14 | Gerald R. Black | Electronic cash for a financial transaction system |
| CN1151452C (en)* | 2000-07-07 | 2004-05-26 | 深圳市特发现代计算机有限公司 | Self-aid type IC card fee-charging method and device thereof |
| JP3671026B2 (en)* | 2002-05-30 | 2005-07-13 | 東芝テック株式会社 | Product sales data processing device |
| US20070022051A1 (en)* | 2005-05-18 | 2007-01-25 | Parcxmart Technologies, Inc. | System and method for multi-application payment processing |
| CN1920889B (en)* | 2006-06-22 | 2010-05-12 | 北京飞天诚信科技有限公司 | Method for controlling multiple operations of smart card |
- 2007
- 2007-03-07CNCNA2007100800755Apatent/CN101261754A/enactivePending
- 2007-03-30WOPCT/CN2007/001040patent/WO2008106831A1/enactiveApplication Filing
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| WO2008106831A1 (en) | 2008-09-12 |
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