Method for loading financial function on identity card

An ID card and financial technology, applied in the field of ID card loading financial function, can solve problems such as taking the wrong card, increasing the operating cost of financial institutions, magnetic mixing or degaussing, etc., to achieve the effect of strengthening supervision.

Pending Publication Date: 2020-05-08
李军
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The cost of bank cards is about 4 yuan/piece, which greatly increases the operating costs of financial institutions
[0003] Since the financial institution service providers of various bank cards are not the

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0025] This embodiment provides a method for loading financial functions on an ID card, including an ID card. The method includes: the writing terminal accepts a request from a financial institution to write financial data, and writes the financial data into the ID card. The financial data includes a bank account number and a bank password. and balance information; the bank account number and balance information are written into the storage chip of the ID card by the writing terminal, and the bank password is written into the encryption module of the ID card by the writing terminal.

[0026] In actual work, the inventor found that customers who apply for bank cards at the same financial institution often apply for multiple bank cards, and there are not a few customers who request to replace bank cards because of bank card degaussing. At the present stage, in order to attract more customers, most banks often handle bank cards for customers free of charge. The cost of a bank card...

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PUM

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Abstract

The invention relates to the technical field of financial account management, in particular to a method for loading a financial function on an identity card, which comprises the identity card, and comprises the following steps that: a writing terminal receives a request of writing financial data by a financial institution and writes the financial data into the identity card, and the financial datacomprises a bank account, a bank password and balance information; bank accounts and balance information are written into the storage chip of the identity card through the writing terminal, and bankpasswords are written into the encryption module of the identity card through the writing terminal. By adopting the method, the account information of a plurality of personal bank cards can be loadedinto the resident identity card, the issuing number of the bank cards is reduced, the operation cost of each financial institution is saved, a user does not need to carry the bank cards to cause a magnetic mixing or demagnetization phenomenon, and great convenience is brought to the user.

Description

technical field [0001] The invention relates to the technical field of financial account management, in particular to a method for loading financial functions into an ID card. Background technique [0002] A bank card refers to a credit payment tool issued by a financial institution to the public upon approval, which has all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank cards have reduced the circulation of cash and checks, making banking business break through the constraints of time and space, and fundamental changes have taken place. The application of the bank card automatic settlement system has made the dream of a "no check, no cash society" a reality. As of the end of 2018, the number of issued bank cards nationwide was 7.597 billion. The average Chinese holds 5.46 bank cards. The cost of a bank card is about 4 yuan / piece, which greatly increases the operating costs of financial institutions. [0003] Sinc...

Claims

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Application Information

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IPC IPC(8): G06Q20/34
CPCG06Q20/3572
Inventor 李军
Owner 李军
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