Intelligent payment card and system

Abstract

The present invention provides an intelligent payment card and system. The intelligent payment card comprises a payment card base, a communication module and a reminder module arranged in the payment card base, the communication module is in communication connection with an external payment platform, and the communication module and the reminder module are connected. The communication module is configured to receive payment information sent by the external payment platform for payment operation and send the payment information to the reminder module, wherein the payment information is text information or voice information. The reminder module is configured to remind the user according to the payment information. The intelligent payment card and system help the receiving side to confirm the collection information, shorten the transaction time, improve the payment efficiency and make up for the fraud bug.

Description

technical field [0001] The invention belongs to the technical field of intelligent payment, in particular to an intelligent payment card and system. Background technique [0002] With the development of Internet technology, existing electronic payment systems usually use two-dimensional codes for collection or payment, which is called face-to-face payment. The party scans the payment QR code of the payer to collect the payment, and after the payment is completed, a message is sent to the mobile phones of both parties. This simplifies the payment process for users and is generally welcomed by people. [0003] However, after using the existing payment system to collect money, the acquisition and confirmation of payment information such as the status of the payment (successful or not), the amount of the payment, and the payer all require the payee to operate the payment terminal or view the payer's payment Equipment, the former causes the payee to operate complicatedly, prolon...

AI Technical Summary

Problems solved by technology

[0003] However, after using the existing payment system to collect money, the acquisition and confirmation of payment information such as the status of the payment (successful or not), the amount of the payment, and the payer all require the payee to operate the payment terminal or view the payer's payment Equipment, the former makes the operation of the payee complicated, prolongs the transaction time between the two parties, and reduces the payment efficiency, and the latter leads to fraudulent loopholes in the collection, for example, the payer shows the screenshot of the last payment to the payee

[0004] In the existing electronic payment system, the technical solution of adding a two-dimensional code to the collection APP running on the smart terminal is adopted. The two-dimensional code is a printed handicraft with a mechanical structure and does not include a smart device. Therefore, the confirmation of payment requires payment People operate the payment collection APP, which reduces the efficiency and speed of payment collection. Although some APPs have the function of voice broadcast payment information, it is difficult to achieve due to factors such as the portability of smart devices, the privacy of personal items, and the output power of speakers. The design purpose of the voice reminder payment information, for example, the APP running on the collection smart phone of Suqianba can voice broadcast the payment information, but the payee needs to hold or carry the smart phone running the APP, when holding or When the person carrying the smartphone is not at the payment site, other people cannot directly confirm the payment information, and can only use an indirect method with fraudulent loopholes (check the page where the payer’s smartphone payment is completed), which limits its use, and the hardware Technically, the average output power of the speakers of existing smartphones is less than 1 watt, and it is difficult to hear the payment information broadcast by voice in the noisy environment of the payment site

Images