One-card-multiple-accounts bank card

A bank card and multi-account technology, applied in the field of a single bank card, can solve the inconvenience of cardholders and other problems, and achieve the effect of protecting huge investment, ensuring personal safety, and good ease of use

Inactive Publication Date: 2007-03-07
ZHEJIANG UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The existing one-card-one-account bank card risk is proportional to the amount of funds in the card. In order to improve the security of the bank card and reduce the risk of the cardholder's funds, the bank has taken various measures, such as using electronic key , limit the transaction amount, etc., however, this does not fundamentally solve the problem, but also brings great inconvenience to cardholders

Method used

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  • One-card-multiple-accounts bank card
  • One-card-multiple-accounts bank card

Examples

Experimental program
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Embodiment Construction

[0019] As shown in Figure 1, a multi-account bank card with one card has a unique bank card number. There is a magnetic stripe 2 on the bank card 1. An external account number, an internal account number, and the external fund information and internal account information of the bank card are stored on the magnetic strip. Fund information, as a common customer bank card. Or an external account number, an internal account number, an alarm account number, external fund information and internal fund information are stored on the magnetic strip as a gold customer bank card.

[0020] Ordinary customer bank cards use external accounts and internal accounts to manage external funds and internal funds. External accounts are mainly used for card consumption and fixed expenditures. When using, customers insert bank cards, enter external account numbers, and enter transaction types and amounts. It is the same as the existing one-card-one-account bank card. The internal fund management of...

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Abstract

This invention discloses one bank card with only one card number with multiple account number, which is located with magnetic bar to store one outer number, one inner number and bank card outside fund and inner funds information and stores one outer number, one inner number and one alarm numbers and outer funds information and inner funds information on the magnetic bar. This invention is through multiple account number and once the card is lost, the codes are stolen with only limit funds lost.

Description

technical field [0001] The invention relates to a multi-account bank card with one card, in particular to a single bank card with multiple account numbers. Background technique [0002] As the world economy enters the information age, bank cards, as a nationwide electronic payment tool, are used more and more frequently, and have become an indispensable means for people's daily settlement. [0003] However, with the widespread use of bank cards, bank card security issues have become increasingly prominent, and crimes against bank cards are on the rise. For the healthy development of the bank card industry, in addition to strengthening the fight against criminals and improving the security awareness of cardholders, providing effective bank card security technology to reduce the risk of cardholders' funds is an urgent problem for the banking industry to solve. [0004] The operating mechanism of the existing one-card-one-account bank card is as follows: after the encrypted in...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08
Inventor 吴明光周平傅炜钢
Owner ZHEJIANG UNIV
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