Separable bank card and account access method

Abstract

The invention discloses a separable bank card and an account access method. A separable bank card relates to the field of financial science and technology, and comprises a card body which is provided with a separation structure used for dividing the card body into at least two separable parts; the at least two chip modules are separated through a separation structure or spliced again to obtain the card body; and the information processing module is arranged on one chip module and is used for receiving and processing the information of the at least two chip modules and communicating with external terminal equipment. Through the method and the device, the problem of high security risk caused by password verification in a scene that multiple persons jointly manage the same account in the prior art is solved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a detachable bank card and an account access method. Background Technology

[0002] In the banking sector, there is a demand for the ability for multiple people to jointly manage the same bank account, applicable to scenarios such as family accounts and business partnership accounts. This type of account management enhances the security of funds, ensuring that the use of funds requires the unanimous consent of all joint managers.

[0003] Currently, this requirement is primarily met by setting multiple passwords, each held by a different account administrator. However, traditional bank cards, whether magnetic stripe or chip cards, are single physical cards. If the card is lost or copied, even with the PIN, it's difficult to prevent unauthorized use. Magnetic stripe cards are particularly vulnerable to data copying, posing a higher security risk. While chip cards employ encryption technology to enhance security, they are more expensive, and data recovery is difficult if the chip is damaged.

[0004] On the other hand, password-based access control mechanisms have security vulnerabilities. Once a password is leaked, unauthorized access and use of the account can occur even without a physical card. With the widespread adoption of online payments and online banking services, password security has become a key factor in account protection. However, passwords are vulnerable to cyber threats, increasing the risk of account theft.

[0005] There is currently no effective solution to the security risks associated with relying on password verification in scenarios where multiple people jointly manage the same account. Summary of the Invention

[0006] The main purpose of this application is to provide a detachable bank card and an account access method to solve the problem of high security risk in scenarios where multiple people jointly manage the same account, relying on password verification.

[0007] To achieve the above objectives, according to one aspect of this application, a detachable bank card is provided, comprising: a card body having a separation structure for dividing the card body into at least two detachable parts; at least two chip modules having the at least two chip modules separated or reassembled by the separation structure to obtain the card body; and an information processing module disposed on one of the chip modules for receiving and processing information from the at least two chip modules, and for communicating with an external terminal device.

[0008] Optionally, each chip module includes: a first controller for processing input commands and output commands, and executing programs stored in memory; a first memory for storing user personal information; and a first input / output interface for communicating with the information processing module.

[0009] Optionally, each chip module further includes: a first security module with encryption and decryption functions, used to encrypt information output through the first input / output interface and decrypt information input through the first input / output interface.

[0010] Optionally, each chip module may further include a first power management module for supplying power to the chip module.

[0011] Optionally, the information processing module includes: a second controller for processing input commands and output commands, and executing programs stored in memory; a second memory for storing the user's personal information; and a second input / output interface for communicating with the information processing module communication chip module and external terminal devices.

[0012] Optionally, the information processing module further includes: a second security module, which has encryption and decryption functions, used to encrypt information output through the second input / output interface and decrypt information input through the second input / output interface.

[0013] Optionally, the information processing module further includes a communication module for communicating with a network.

[0014] Optionally, the information processing module further includes a second power management module for supplying power to the information processing module.

[0015] Optionally, the separation structure is a mortise and tenon joint dividing line, which is a combination of magnetic attraction and magnetic repulsion materials, supporting the separation or reassembly of chip modules to obtain a card body.

[0016] To achieve the above objectives, according to another aspect of this application, an account access method is provided, applied to the information processing module in a detachable bank card, comprising: verifying the information of each chip module when the card body is detected to be assembled from the separated chip modules; and, if the verification is successful, communicating with an external terminal device to perform an account access operation based on the information of each chip module.

[0017] To achieve the above objectives, according to another aspect of this application, an account access device is provided, applied to the information processing module in a detachable bank card. The device includes: a verification unit, used to verify the information of each chip module when the card body is detected to be assembled into a complete state from the separate chip modules; and an execution unit, used to communicate with an external terminal device and perform account access operations based on the information of each chip module when the verification is successful.

[0018] The detachable bank card in this embodiment includes: a card body with a separation structure for dividing the card body into at least two separable parts; at least two chip modules, which are separated or reassembled through the separation structure to form the card body; and an information processing module disposed on one of the chip modules for receiving and processing information from the at least two chip modules and communicating with external terminal devices. This solves the security risk problem of relying on password verification in scenarios where multiple people jointly manage the same account, as discussed in related technologies. By introducing a separation structure and configuring at least two chip modules, the security problem in the bank co-management account model is improved. Even if the password of the co-managed account is leaked, the security of the account funds is greatly enhanced because the bank card itself is physically separated and all parts must be reassembled for normal use. Simultaneously, the presence of the information processing module enables secure communication between the different parts of the bank card, reducing the adaptation cost of terminal devices, thereby achieving a more secure, convenient, and cost-effective method for multiple people to jointly manage bank accounts. Attached Figure Description

[0019] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0020] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing an account access method is shown.

[0021] Figure 2 This is a schematic diagram of a detachable bank card according to an embodiment of this application;

[0022] Figure 3 This is a flowchart of an account access method according to an embodiment of this application;

[0023] Figure 4 This is a schematic diagram of an account access device according to an embodiment of this application;

[0024] Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0025] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0026] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0027] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse. For example, interfaces are set up between this system and relevant users or organizations, providing users with corresponding operation entry points for them to choose to agree to or refuse automated decision-making results; if the user chooses to refuse, the process proceeds to the expert decision-making stage. If the user chooses to agree, the user can view the purpose of data use in real time through the authorization interface and has the right to withdraw authorization or delete data at any time. After authorization is withdrawn, the system will terminate the relevant data processing within 24 hours.

[0028] Example 1

[0029] According to an embodiment of this application, an embodiment of an account access method is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0030] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal (or mobile device) for implementing an account access method is shown. Figure 1 As shown, computer terminal 10 (or mobile device) may include one or more ( Figure 1 The processor 102 (illustrated as 102a, 102b, ..., 102n) may include, but is not limited to, a microprocessor (MCU) or a field-programmable gate array (FPGA), etc., a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may include: a display, an input / output interface (I / O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0031] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0032] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the account access method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby implementing the aforementioned account access method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0033] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0034] The display can be, for example, a touchscreen liquid crystal display (LCD), which allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0035] Under the aforementioned operating environment, this application provides a separate bank card. Figure 2 This is a schematic diagram of a detachable bank card according to an embodiment of this application;

[0036] Card body 21, with a separation structure 22 for dividing the card body 21 into at least two separable parts.

[0037] The card body 21 is the physical foundation of the entire bank card, and its size and material must meet the standard size and material requirements for bank cards. In this embodiment, the card body 21 is provided with a separation structure 22, which allows the card body 21 to be divided into at least two separable parts, each of which can be an independent physical unit held by different co-managed account holders. The design of the separation structure 22 satisfies the condition that each of the separated parts can individually carry the necessary information and can be accurately reassembled when needed to restore the complete bank card function.

[0038] For example, the separation structure 22 can be a mechanical or electromagnetic structure on the card body 21, allowing the card body 21 to be divided in a predetermined manner, while enabling the physical or data connections between the separated parts to be re-established during assembly. For example, mortise and tenon structures, magnetic attraction, or other forms of physical joints can be used to achieve separation and assembly.

[0039] At least two chip modules 23, which are separated or reassembled through a separation structure 22 to form a card body 21. For example... Figure 2 As shown, it may include two chip modules 23, namely the first chip module 23(A) and the second chip module 23(B).

[0040] Each chip module 23 is an independent data processing unit, containing components for storing user information, components for performing encryption and decryption tasks, and components for managing power. The components for performing encryption and decryption tasks enable chip module 23 to have a security protection mechanism, ensuring that account information will not be leaked even if a single module is lost or intercepted.

[0041] The presence of at least two chip modules 23 ensures that each holder of a co-managed account has their own independent portion of the bank card. These chip modules 23 are separated by the separation structure 22 and operate independently, but they can work together when assembled to form a complete and fully functional bank card.

[0042] The information processing module 24 is mounted on a chip module 23 and is used to receive and process information from at least two chip modules 23, as well as to communicate with external terminal devices.

[0043] The information processing module 24 is mounted on any one of the chip modules 23. Its function is to coordinate the information exchange and processing between at least two chip modules 23 and external terminal devices, such as POS machines (Point of Sale) and ATMs (Automated Teller Machines). For example, the information processing module 24 acquires and verifies data from the chip modules 23. After successful verification, it processes the data from the external device to enable bank card functions such as account deposits and withdrawals.

[0044] It should be noted that the information processing module 24 is not only responsible for data processing, but also has fault detection and recovery functions. If a chip module 23 fails, the information processing module 24 will take measures to isolate or repair the data without affecting the bank card function.

[0045] The detachable bank card provided in this application includes: a card body 21, on which a separation structure 22 is provided to divide the card body 21 into at least two detachable parts; at least two chip modules 23, which are separated or reassembled through the separation structure 22 to form the card body 21; and an information processing module 24, disposed on one of the chip modules 23, for receiving and processing information from the at least two chip modules 23 and communicating with external terminal devices. This solves the problem of high security risk associated with password verification in scenarios where multiple people jointly manage the same account in related technologies. By introducing the separation structure 22 and configuring at least two chip modules 23, the security problem in the bank co-management account mode is improved. Even if the password of the co-managed account is leaked, the security of the account funds is greatly improved because the bank card itself is physically separated and all parts must be reassembled to be used normally. At the same time, the presence of the information processing module 24 enables secure communication between the different parts of the bank card, reducing the adaptation cost of terminal devices, thereby achieving a more secure, convenient, and cost-controllable effect of multiple people jointly managing bank accounts.

[0046] Optionally, in the detachable bank card provided in this application embodiment, each chip module 23 includes: a first controller for processing input commands and output commands, and executing programs stored in memory; a first memory for storing user personal information; and a first input / output interface for communicating with the information processing module 24.

[0047] The first controller, as the core component of chip module 23, is responsible for receiving and processing input commands from external sources, such as user information query requests from information processing module 24. It also executes programs stored in memory to output commands. The first controller enables chip module 23 to accurately respond to instructions from information processing module 24, and also allows it to process data and output commands according to its own program.

[0048] The first memory, as the basic module of chip module 23, is used to store the user's personal information, such as account balance, password, transaction history and other key data. The first memory can be RAM (Random Access Memory) or ROM (Read-Only Memory).

[0049] The first input / output interface of chip module 23 is responsible for communicating with information processing module 24, ensuring rapid data transmission and immediate command response. The first input / output interface supports full-duplex communication, enabling it to receive data and commands from information processing module 24, as well as send data and status information to it. This efficient data interaction capability provides the foundation for collaborative operation among chip modules 23.

[0050] This embodiment improves the security of bank co-managed accounts by configuring at least two chip modules 23 on the bank card. Even if the password of the co-managed account is leaked, the security of the account funds is greatly improved because the bank card itself is physically divided and all parts must be put together to be used normally.

[0051] To enhance the security of bank cards in scenarios where multiple people co-manage them, optionally, in the detachable bank card provided in this application embodiment, each chip module 23 includes: a first security module, which has encryption and decryption functions, used to encrypt information output through the first input / output interface and decrypt information input through the first input / output interface.

[0052] The encryption function of the first security module is implemented as follows: When the chip module 23 sends sensitive information or operation instructions to the information processing module 24 through the first input / output interface, the first security module activates its encryption function and encrypts the sent information through an encryption algorithm. Even if the information is intercepted or monitored during transmission, it cannot be parsed and used, thus increasing the security of information transmission.

[0053] The decryption function of the first security module corresponds to the encryption function, and the implementation process is as follows: When the information processing module 24 sends encrypted information or commands to the chip module 23 through the first input / output interface, the decryption function of the first security module is called. The received encrypted information is converted back to the original data through the decryption function so that the first controller can correctly understand and execute the corresponding operation.

[0054] It should be noted that the first input / output interface, acting as a bridge between the chip module 23 and the information processing module 24, achieves bidirectional secure communication through cooperation with the first security module. On one hand, the first input / output interface securely transmits information sent by the first controller to the information processing module 24 after being encrypted by the first security module; on the other hand, the first input / output interface also presents encrypted information received from the information processing module 24 to the first controller after being decrypted by the first security module.

[0055] This embodiment integrates a first security module into each chip module 23. The first security module is equipped with encryption and decryption functions. Through bidirectional encryption and decryption communication, the security of data during transmission is ensured. Even if the password is leaked or a single chip module 23 is lost, the encryption and decryption functions used in the information transmission process make it difficult for unauthorized users to obtain or use complete, unencrypted account information for transactions, thus laying the foundation for the joint management of bank card security.

[0056] In order to enable each separated chip module 23 to operate independently in various environments, optionally, in the detachable bank card provided in the embodiments of this application, each chip module 23 includes: a first power management module for supplying power to the chip module 23.

[0057] The first power management module is used to provide a stable power supply for the chip module 23. For example, after the bank card is inserted into the external terminal device, the first power management module is responsible for obtaining energy from the external power source (such as the power supply of the external terminal device) and converting it into voltage and current suitable for use by the internal circuit of the chip module 23, so that the chip module 23 can operate continuously.

[0058] Considering the energy consumption control of chip module 23 in the inactive state, the first power management module can automatically switch to a low-power mode when it detects that chip module 23 has been in an inactive state for a long time, thereby reducing unnecessary energy consumption. At the same time, during high-load operations, such as data encryption / decryption or communication, the power supply is rapidly increased to meet the high-performance requirements of chip module 23.

[0059] This embodiment solves the power supply problem of the split bank card when it is used separately by adding a first power management module to each chip module 23, which provides power supply when the chip module 23 performs necessary operations, such as identity verification and information interaction, and enhances the practicality of the detachable chip bank card.

[0060] Optionally, in the detachable bank card provided in this application embodiment, the information processing module 24 includes: a second controller for processing input commands and output commands, and executing programs stored in memory; a second memory for storing the user's personal information; and a second input / output interface for communicating with the information processing module 24 communication chip module 23 and external terminal devices.

[0061] The second controller, as the core of the information processing module 24, is responsible for receiving and processing input commands from external sources, such as fund inquiry and deposit requests from external terminal devices. It also executes programs stored in memory to output commands. These programs define the behavior and operational logic of the information processing module 24, including but not limited to instruction parsing and transaction verification. The second controller enables the information processing module 24 to accurately coordinate the information interaction between multiple chip modules 23 and external terminal devices, thereby ensuring the security and consistency of account operations.

[0062] The second memory stores the user's personal information and the program code of the information processing module 24, such as account balance, password, transaction history, and other key data. The second memory can be RAM (Random Access Memory) or ROM (Read-Only Memory). The existence of the second memory ensures that the information processing module 24 can easily access necessary data for operations such as transaction record queries and account status updates.

[0063] The second input / output interface serves as a bridge for communication between the information processing module 24, the chip module 23, and external terminal devices. It supports full-duplex communication, enabling bidirectional data transmission between the information processing module 24 and the chip module 23, as well as bidirectional data transmission between the information processing module 24 and various terminal device blocks. Whether it's a POS machine, ATM, or bank counter terminal, the information processing module 24 can securely and efficiently exchange information with them through the second input / output interface.

[0064] In this embodiment, the information processing module 24, through the cooperation of the second controller, the second memory, and the second input / output interface, communicates with the chip module 23 and the terminal device. Even with multiple chip modules 23 integrated, data can be securely transmitted between the information processing module 24, the external terminal device, and the chip module 23, enabling smooth bank card information verification and transaction processes. This not only solves the physical security problem of shared bank accounts but also improves the communication efficiency of bank cards and the adaptability of terminal devices.

[0065] To ensure secure data transmission between the bank card and external terminal devices, optionally, in the detachable bank card provided in this application embodiment, the information processing module 24 includes: a second security module with encryption and decryption functions, used to encrypt information output through the second input / output interface and decrypt information input through the second input / output interface.

[0066] The encryption function of the second security module is implemented as follows: When the information processing module 24 outputs information or commands to an external terminal device, such as a POS machine or ATM, through the second input / output interface, the second security module encrypts the information. Even if the information is intercepted or monitored during transmission, it cannot be parsed and used, thus establishing a secure barrier for communication between the bank card and the terminal device.

[0067] The decryption function of the second security module is implemented as follows: When the information processing module 24 receives encrypted information from the chip module 23 or an external terminal device, the second security module starts its decryption function to convert the received encrypted data into the original information so that the second controller can correctly understand and execute the corresponding operation.

[0068] It should be noted that the second input / output interface, acting as a bridge between the information processing module 24 and the outside world, achieves bidirectional secure communication through cooperation with the second security module. On one hand, the second input / output interface encrypts the information sent by the second controller through the second security module and securely transmits it to the chip module 23 or the terminal device; on the other hand, the second input / output interface also decrypts the encrypted information received from the chip module 23 or the terminal device through the first security module and presents it to the second controller.

[0069] This embodiment integrates a second security module into the information processing module 24. The second security module is equipped with encryption and decryption functions. Through bidirectional encryption and decryption communication, it ensures the security of data during transmission, provides an additional protection layer for data transmission between the bank card and the terminal device, and improves the security of the detachable chip bank card in scenarios of multi-person co-management and remote transactions.

[0070] To securely communicate with the network, optionally, in the detachable bank card provided in this application embodiment, the information processing module 24 includes: a communication module for communicating with the network.

[0071] The communication module has network communication capabilities and is responsible for exchanging data with the Internet, mobile networks, etc. The communication module supports multiple communication protocols, including but not limited to Wi-Fi (Wireless Fidelity), Bluetooth, NFC (Near Field Communication), and 4G / 5G cellular networks, enabling the information processing module 24 to communicate quickly and stably with the bank's cloud server or third-party payment platform for secure and real-time data transmission.

[0072] The communication module can also integrate data compression and optimization algorithms, which can effectively reduce the size of data packets during transmission, speed up transmission, reduce network bandwidth consumption, and improve the efficiency of remote transactions.

[0073] To ensure data security during transmission, the communication module can also employ encrypted communication methods to encrypt incoming and outgoing data. Even if data is intercepted during network transmission, the encryption mechanism can effectively prevent information from being illegally read or tampered with, thereby protecting user privacy and account security.

[0074] This embodiment integrates a communication module into the information processing module 24. This communication module has network communication capabilities, enabling the bank card to communicate instantly with the bank server via the network, even when the chip module 23 is detached, to verify and update account information. The module's encrypted communication capabilities allow network communication to take place in an encrypted environment, effectively maintaining the privacy and security of account operations even when the bank card is jointly managed by multiple parties or used remotely. Therefore, the detachable chip bank card not only achieves shared account security at the physical level but also provides security for user data transmission at the network level.

[0075] In order to provide stable power support for the operation of the information processing module 24, optionally, in the detachable bank card provided in this application embodiment, the information processing module 24 includes: a second power management module for supplying power to the information processing module 24.

[0076] The second power management module is used to provide a stable power supply for the information processing module 24. For example, after the bank card is inserted into the external terminal device, the second power management module is responsible for obtaining energy from the external power source (such as the power supply of the external terminal device) and converting it into voltage and current suitable for use by the internal circuit of the information processing module 24, so that the information processing module 24 can obtain stable and sufficient power under various operating conditions.

[0077] Furthermore, the second power management module can adjust the power distribution strategy, dynamically providing power according to the current workload of the information processing module 24. Considering the energy consumption control of the information processing module 24 in an inactive state, the second power management module can automatically switch to a low-power mode when it detects that the information processing module 24 has been inactive for a long time, reducing unnecessary energy consumption. At the same time, during high-load operations, such as data encryption / decryption or communication, it can rapidly increase power supply to meet the high-performance requirements of the information processing module 24.

[0078] This embodiment solves the power supply problem of detachable chip bank cards when they are used separately by adding a second power management module to the information processing module 24. The power supply is provided when the information processing block performs necessary operations, such as account inquiry and fund deposit and withdrawal. This enhances the practicality of detachable chip bank cards.

[0079] In order to realize the separation and reassembly of the chip module 23, optionally, in the detachable bank card provided in the embodiment of this application, the separation structure 22 is a tenon and mortise structure dividing line, which is a combination of magnetic attraction material and magnetic repulsion material, supporting the separation or reassembly of the chip module 23 to obtain the card body 21.

[0080] The mortise and tenon joint design allows users to accurately divide the card body 21 into multiple parts containing independent chip modules 23. The combination of magnetic attraction and magnetic repulsion materials ensures stability and accuracy during the division process, making the separation operation simple and reliable, and avoiding chip damage or data loss due to improper division.

[0081] The segmented chip modules 23 can be quickly and accurately reassembled into a complete card body 21 using a magnetic attraction material when needed. The use of the magnetic attraction material ensures the stability and security of the assembly process, ensuring that all modules are assembled in the correct position and order even under multi-handed operation, thereby activating all the functions of the bank card.

[0082] The addition of magnetic repulsion material provides extra security at the physical level. When the chip module 23 is separated or assembled, the magnetic repulsion material prevents an unauthorized chip module 23 from being mistakenly assembled onto the card body 21, ensuring the uniqueness and security of account operations.

[0083] This embodiment, through the introduction of mortise and tenon joints and the properties of magnetic materials, not only enhances the durability of the card body 21, ensuring it maintains good function and form even after multiple separation and reassembly operations, but also significantly improves the user experience, allowing users to perform separation and reassembly operations without special tools. This simplifies the separation and reassembly process, enabling each co-managed account holder to independently and securely use their own chip module 23. This achieves both convenience and security for the detachable chip bank card at the physical level, allowing each user to conveniently perform deposit and withdrawal operations in scenarios with multiple co-managed accounts.

[0084] Under the aforementioned operating environment, this application provides an account access method applied to the information processing module 24 of a detachable bank card. Figure 3 This is a flowchart of an account access method according to an embodiment of this application, such as... Figure 3 As shown, the method includes:

[0085] Step S301: When it is detected that the separated chip modules 23 are assembled into a complete card body 21, the information of each chip module 23 is verified.

[0086] After the user completes the assembly of multiple discrete chip modules 23 to form a complete card body 21, the information processing module 24 initiates the process of verifying the information of each chip module 23. For example, this may include the following two steps:

[0087] For identity verification, the information processing module 24 uses its built-in second security module to encrypt and decrypt the information received from each chip module 23, extracting the chip module 23's identity identifier and other authentication information to confirm the cardholder's identity and the legitimacy of each chip module 23. Identity verification is fundamental to ensuring account security; only authenticated chip modules 23 can participate in subsequent transaction activities.

[0088] Information consistency check: After successful identity verification, the information processing module 24 further checks whether the information sent from different chip modules 23 is consistent. Since the bank card is divided into multiple chip modules 23 that can operate independently, it is necessary to check whether the information transmitted by these chip modules 23 is consistent in logic and value, so as to avoid transaction errors or financial risks caused by data differences.

[0089] Through the above steps, the information processing module 24 can perform information-level security checks after the bank card is physically assembled, ensuring that account deposit and withdrawal operations are based on verified and complete information, effectively preventing risky transaction attempts caused by the tampering or replacement of information in the chip module 23.

[0090] In step S302, if the verification is successful, communicate with the external terminal device and perform account access operations based on the information of each chip module 23.

[0091] After the information processing module 24 completes the verification of the information sent by each chip module 23 and confirms that it is correct, the information processing module 24 establishes communication with external terminal devices (such as ATMs, POS machines, etc.) and performs account access operations based on the verified information of each chip module 23.

[0092] It should be noted that the information processing module 24 communicates with the terminal device in full-duplex mode via its second input / output interface, meaning it supports bidirectional data flow simultaneously, ensuring efficient information transmission. This accelerates transaction confirmation and guarantees timely feedback and interaction with the terminal device during the transaction process, improving transaction accuracy and security.

[0093] For example, based on the successfully verified information from each chip module 23, the information processing module 24 executes specific account access operations through the terminal device, which may include multiple types of financial transactions such as deposits, withdrawals, and transfers. During the financial transaction, the information processing module 24 can access the account information stored in its own memory and work with the terminal device to complete the transaction, while recording the transaction details for subsequent querying and auditing.

[0094] Throughout the entire transaction execution process, the information processing module 24 ensures secure data transmission through its second security module. All transaction instructions, account information, and transaction confirmation signals are encrypted and decrypted only under authorized conditions, preventing information leakage and tampering during transmission and providing users with a secure trading environment.

[0095] The account access method provided in this application verifies the information of each chip module 23 when the separated chip modules 23 are reassembled into a complete card body 21. If the verification is successful, it communicates with an external terminal device and performs account access operations based on the information of each chip module 23. This solves the problem of high security risks associated with password verification in scenarios where multiple people jointly manage the same account. In scenarios where multiple people jointly manage the same account, the detachable bank card increases physical protection of the account through physical segmentation, and ensures the legality and security of account operations through information verification and secure communication mechanisms. This achieves the effect of reliable and convenient fund deposit in scenarios where multiple people jointly manage the same account.

[0096] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0097] Example 2

[0098] This application also provides an account access device. It should be noted that the account access device of this application can be used to execute the account access method provided in this application. The account access device provided in this application is described below.

[0099] According to an embodiment of this application, an apparatus for implementing the above-described account access method is also provided, applied to the information processing module in a detachable bank card. Figure 4 This is a schematic diagram of an account access device according to an embodiment of this application, such as... Figure 4 As shown, the device includes:

[0100] The verification unit 401 is used to verify the information of each chip module when the card body is detected to be assembled into a complete state by the separate chip modules.

[0101] The execution unit 402 is used to communicate with external terminal devices and perform account access operations based on the information of each chip module if the verification is successful.

[0102] The account access device provided in this application embodiment verifies the information of each chip module when the separate chip modules are reassembled into a complete card body via a verification unit 401. The execution unit 402, upon successful verification, communicates with an external terminal device and performs account access operations based on the information from each chip module. This solves the security risk problem of relying on password verification in scenarios where multiple people jointly manage the same account. In scenarios where multiple people jointly manage the same account, the detachable bank card increases physical protection of the account through physical segmentation, and ensures the legality and security of account operations through information verification and secure communication mechanisms. This achieves the effect of reliable and convenient fund deposit and withdrawal in scenarios where multiple people jointly manage the same account.

[0103] It should be noted that the above-mentioned units correspond to the steps in Embodiment 1, and the instances and application scenarios implemented by the corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above-mentioned modules or units may be hardware components or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above-mentioned modules may also be part of a device and can run in the computer terminal 10 provided in Embodiment 1.

[0104] Example 3

[0105] Embodiments of this application may provide an electronic device. Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (Only one is shown) processor 1002, memory 1004, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0106] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0107] The processor can access the information and application programs stored in the memory via the transmission device to perform the following steps: when the card body is detected to be assembled from the separated chip modules into a complete state, the information of each chip module is verified; if the verification is successful, communication is made with the external terminal device to perform account access operations based on the information of each chip module.

[0108] Those skilled in the art will understand that Figure 5 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs (tablet computers), and other terminal devices. Figure 5 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 5 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 5 The different configurations shown.

[0109] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0110] Example 4

[0111] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the account access method provided in Embodiment 1.

[0112] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0113] This application also provides a computer program product, which, when executed on a data processing device, is suitable for performing the following method steps: upon detecting that the separated chip modules are assembled into a complete card body, verifying the information of each chip module; and, if the verification is successful, communicating with an external terminal device to perform account access operations based on the information of each chip module.

[0114] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0115] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0116] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0117] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0118] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0119] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0120] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A detachable bank card, characterized in that, include: The card body is provided with a separation structure for dividing the card body into at least two separable parts; The card body is obtained by separating or reassembling the at least two chip modules through the separation structure. An information processing module, mounted on a chip module, is used to receive and process information from the at least two chip modules, and to communicate with external terminal devices.

2. The detachable bank card according to claim 1, characterized in that, Each chip module includes: The first controller is used to process input and output commands, as well as execute programs stored in memory; The first memory is used to store the user's personal information; The first input / output interface is used to communicate with the information processing module.

3. The detachable bank card according to claim 2, characterized in that, Each chip module also includes: The first security module has encryption and decryption functions, and is used to encrypt information output through the first input / output interface and decrypt information input through the first input / output interface.

4. The detachable bank card according to claim 2, characterized in that, Each chip module also includes: The first power management module is used to supply power to the chip module.

5. The detachable bank card according to claim 1, characterized in that, The information processing module includes: The second controller is used to process input and output commands, as well as execute programs stored in memory; The second storage device is used to store the user's personal information; The second input / output interface is used to communicate with the information processing module communication chip module and the external terminal device.

6. The detachable bank card according to claim 5, characterized in that, The information processing module further includes: The second security module has encryption and decryption functions, used to encrypt information output through the second input / output interface and decrypt information input through the second input / output interface.

7. The detachable bank card according to claim 5, characterized in that, The information processing module further includes: The communication module is used to communicate with the network.

8. The detachable bank card according to claim 5, characterized in that, The information processing module further includes: The second power management module is used to supply power to the information processing module.

9. The detachable bank card according to claim 1, characterized in that, The separation structure is a mortise and tenon joint dividing line, which is a combination of magnetic attraction and magnetic repulsion materials, supporting the separation or reassembly of the chip module to obtain the card body.

10. An account access method, characterized in that, An information processing module applied to a detachable bank card according to any one of claims 1 to 9, comprising: If the card body is found to be complete after the separate chip modules are assembled, the information of each chip module is verified. If the verification is successful, communication is established with external terminal devices to perform account access operations based on the information from each chip module.

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