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Telematic payment card

A technology for safe payment and payment amount, applied in the field of information communication payment card

Inactive Publication Date: 2014-01-08
曼努埃尔·让森·瓦拉达斯普雷托
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

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Method used

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  • Telematic payment card
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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0201] Payments made using one telematics payment card in the presence of another telematics payment card include:

[0202] 1. When the card is off (not powered) or in standby (input and output disabled), the payer presses the "Power" on his card to put the card into working state, and then selects the "Payment" button. The same can be done if the payee wishes to control the payment. The payer preferably needs to check whether there is network coverage (possibly a mobile communication network) in the indicator to make the payment. If there is no network coverage, the payment should preferably only be processed after he enters the network coverage area.

[0203] 2. The payer enters the amount to be paid, and presses the "Enter" key when finished (or press the "Modify key" to start input again, or press the "Back" key to modify the number)

[0204] 3. The user may be prompted to enter a secret PIN. The proximity of the two cards enables the payer's messaging payment card to r...

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PUM

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Abstract

Telematic Payment Card for use remotely with a Central Control & Processing Unit, for paying goods and services using mobile network, and transferring money between accounts remotely, enabling a payment card with monitor and keyboard to communicate banking and financial data remotely to financial institutions and payment networks via said central unit. It is able to perform Person-to-Person (P2P) payments between card holders, Person-to-Merchant (P2M), Person-to-Machine (P2Mx) or between a card holder and a bank account. It also enables payments as a normal payment card (debit, credit, pre-paid etc) using a POS (Point Of Sale) terminal at a merchant. An embodiment comprises a battery (201), a security chip (202), processor module (203), memory module (204), sound emitter (205), near filed communications (206), mobile communication module (207), connection or inductive power port (208), input means (209), indicator means (210), display / touch screen (211), antennas or data connections (212, 213).

Description

technical field [0001] The present invention relates to telematic payment cards in the field of bank payment systems, or more specifically, to payment cards with mobile data communication components. Contents of the invention [0002] An object of the present invention is a telematics payment card device which, when used remotely in conjunction with a Central Control & Processing Unit, can be used to access bank accounts or use mobile networks for goods and Payment for services, because the device has the ability to remotely transfer funds between accounts, so that through the monitor, keyboard and related technology, the payment card can be transferred between financial institutions, banks, and / or payment networks through a central control and processing unit Communication of remote banking and financial data. [0003] As one of its core functions, it can implement person-to-person (Person-to-Person) payment between two cardholders (this is so far impossible), person-to-me...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08G06Q20/00
CPCG07F7/0846G07F7/0833G06Q20/3415G07F7/0853G06Q20/3278G06Q20/325G06Q20/341G06Q20/352
Inventor 曼努埃尔·让森·瓦拉达斯普雷托
Owner 曼努埃尔·让森·瓦拉达斯普雷托