Wearable credit card

Abstract

The utility model discloses a wearable credit card. The wearable credit card comprises a carrier and a flexible fixing piece, an embedded chip and an induction coil connected with the embedded chip are arranged in the carrier, and a verification module is arranged on the carrier; the verification module is connected with the embedded chip and is used for verifying the identity of a user; the embedded chip is used as a main control chip for controlling the operation of each component and storing credit card information; the induction coil is used for performing wireless communication with external reading equipment; the flexible fixing piece is connected to the carrier and used for fixing the carrier to a wearer. Wherein if user verification is not carried out, the wearable credit card is in a locked state, and the induction coil cannot communicate with external reading equipment; and after the verification is passed, the communication between the induction coil and the external reading equipment is recovered. According to the technical scheme, the credit card can be worn and used, the payment safety of the wearable credit card is improved by arranging the verification module, and an unauthorized user can be effectively prevented from obtaining credit card information.

Description

Technical Field

[0001] The present application relates to the technical field of credit cards, and in particular to a wearable credit card. Background Art

[0002] With the rapid development of technology and the continuous improvement of people's living standards, traditional credit card payment methods can no longer fully meet the needs of modern people. Especially today when mobile payment is becoming increasingly popular, people are more pursuing convenient and efficient payment methods.

[0003] Traditional credit cards are usually in the form of physical cards, which are inconvenient to carry and easy to lose or be stolen. In addition, during the payment process, operations such as swiping or inserting the card are required, which are cumbersome and inefficient. Especially in some special scenarios, such as sports and travel, the use of traditional credit cards is greatly restricted.

[0004] In recent years, wearable devices have gradually come into people's view, such as smart watches and smart bracelets. They are popular among consumers for their portability and fashion. Combining credit cards with wearable devices to design a wearable credit card can not only solve the problem of the inconvenience of carrying traditional credit cards, but also improve the convenience and efficiency of payment. However, there are still some problems with the existing wearable credit card technology. For example, the security performance of some wearable credit cards also needs to be improved, such as unauthorized use. Utility Model Content

[0005] The present application provides a wearable credit card, aiming to solve the problem of poor security performance of wearable credit cards in the prior art.

[0006] To achieve the above objectives, the present application proposes a wearable credit card. The wearable credit card includes:

[0007] A carrier is provided with an embedded chip and an induction coil connected to the embedded chip, and a verification module is arranged on the carrier; the verification module is connected to the embedded chip and is used to verify the identity of the user; the embedded chip is used as a main control chip to control the operation of various components and store credit card information; the induction coil is used to communicate wirelessly with an external reading device to transmit the credit card information;

[0008] A flexible fixing member connected to the carrier, the flexible fixing member is used to fix the carrier to the wearer;

[0009] Wherein, if user verification is not performed, the wearable credit card is in a locked state, and the induction coil cannot communicate with the external reading device; after the verification module passes the verification, the communication between the induction coil and the external reading device is restored.

[0010] In some embodiments, the verification module includes a fingerprint recognition module, a facial recognition module or an iris recognition module, and the fingerprint recognition module, the facial recognition module or the iris recognition module is used to collect the user's biometric information to verify the user's identity. In some embodiments, the verification module also includes a display operation module, and the display operation module is embedded in the carrier and is used to receive the wearer's touch command to achieve human-computer interaction.

[0011] In some embodiments, a communication module connected to the embedded chip is also included, and the communication module is used to wirelessly communicate with an external smart device to achieve remote control of the wearable credit card and information synchronization with the wearable credit card.

[0012] In some embodiments, the carrier is further provided with a human body data monitoring unit connected to the embedded chip, and the human body data monitoring unit is used to monitor the real-time data of the user;

[0013] Wherein, the human body data monitoring unit includes a heart rate monitoring unit, a motion data monitoring unit, a temperature monitoring unit and a blood oxygen saturation monitoring unit.

[0014] In some embodiments, a vibration module connected to the embedded chip is also provided on the carrier, and the vibration module is used to send a vibration prompt to the wearer after the verification module passes the verification and / or the transaction is completed, and to alarm after the human body data monitoring unit detects abnormal data.

[0015] In some embodiments, it further includes a storage battery disposed in the carrier, the storage battery being connected to the embedded chip and being used to provide power to various components in the wearable credit card;

[0016] Wherein, a charging interface corresponding to the battery is also provided on the side of the carrier so as to charge the battery through the charging interface.

[0017] In some embodiments, the flexible fixing member is an elastic bracelet, and the bracelet can adapt to different wearers based on its own elasticity.

[0018] In some embodiments, the flexible fixing member includes a first fixing belt and a second fixing belt, one end of the first fixing belt is connected to one end of the carrier, one end of the second fixing belt is connected to the other first end of the carrier, and the other end of the first fixing belt is provided with a first locking portion, and the other end of the second fixing belt is provided with a second locking portion;

[0019] The first locking portion cooperates with the second locking portion to lock the other end of the first fixing belt with the other end of the second fixing belt.

[0020] In some embodiments, the first locking portion cooperates with the second locking portion to form a magnetic locking structure; or,

[0021] The first locking portion cooperates with the second locking portion to form an insert buckle locking structure.

[0022] The technical solution of the present application proposes a wearable credit card. The wearable credit card includes a carrier and a flexible fixing; an embedded chip, an induction coil and a verification module are arranged on the carrier; and the carrier is connected to a flexible fixing, and the carrier can be fixed to the wearer through the flexible fixing; wherein, if user verification is not performed, the wearable credit card is in a locked state, and the induction coil cannot communicate with the external reading device; and after the verification module passes the verification, the communication between the induction coil and the external reading device is restored. Therefore, the technical solution of the present application can realize the carrying of credit cards through flexible fixings, and users can make payments at any time without having to search their wallets or pockets, which greatly improves convenience; and the security of wearable credit card payment is improved by setting up a verification module, which can effectively prevent unauthorized users or potential attackers from obtaining credit card information. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative work, among which:

[0024] Figure 1 This is a schematic diagram of the structure of a wearable credit card according to an embodiment of the present application. Figure 1 ;

[0025] Figure 2 This is a schematic diagram of the structure of a wearable credit card according to an embodiment of the present application. Figure 2 ;

[0026] Figure 3 This is a simplified diagram showing the connection relationship between modules on a carrier according to an embodiment of the present application. DETAILED DESCRIPTION

[0027] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0028] It should be noted that all directional indications in the embodiments of the present application (such as up, down, left, right, front, back, etc.) are only used to explain the relative position relationship, movement status, etc. between the components under a certain specific posture (as shown in the accompanying drawings). If the specific posture changes, the directional indication will also change accordingly.

[0029] It should also be noted that when an element is referred to as being "fixed on" or "disposed on" another element, it may be directly on the other element or there may be an intermediate element at the same time. When an element is referred to as being "connected to" another element, it may be directly connected to the other element or there may be an intermediate element at the same time.

[0030] In addition, the descriptions of "first", "second", etc. in this application are only for descriptive purposes and cannot be understood as indicating or implying their relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various embodiments can be combined with each other, but they must be based on the ability of ordinary technicians in this field to implement them. When the combination of technical solutions is contradictory or cannot be implemented, it should be deemed that such combination of technical solutions does not exist and is not within the scope of protection required by this application.

[0031] See also Figure 1-Figure 3 As shown, the present application proposes a wearable credit card 100. The wearable credit card 100 includes a carrier 10 and a flexible fixing part 20. The carrier 10 is built with an embedded chip 30 and an induction coil 40 connected to the embedded chip 30, and a verification module 50 is arranged on the carrier 10; the verification module 50 is connected to the embedded chip 30 for verifying the identity of the user; the embedded chip 30 is used as a main control chip for controlling the operation of various components and storing credit card information; the induction coil 40 is used for wireless communication with an external reading device to transmit credit card information; the flexible fixing part 20 is connected to the carrier 10, and the flexible fixing part 20 is used to fix the carrier 10 on the wearer; wherein, if the user verification is not performed, the wearable credit card 100 is in a locked state, and the induction coil 40 cannot communicate with the external reading device; and after the verification module 50 passes the verification, the communication between the induction coil 40 and the external reading device is restored.

[0032] The technical solution of the present application integrates the verification module 50, so that the wearable credit card 100 is locked when the user does not authenticate the identity, and the communication between the induction coil 40 and the external reading device is cut off. This design effectively prevents the credit card from being illegally used after it is lost or stolen, greatly improving the security of payment. Only when the user successfully authenticates the identity through the verification module 50, the induction coil 40 can be used normally, establish communication with the external reading device and transmit data.

[0033] Among them, a locking mechanism for the wearable credit card 100 can be established. For example, the wearable credit card 100 is locked immediately after payment is completed, and the user can only be verified again when entering the next payment. Alternatively, if there is no payment operation within a certain period of time after the wearable credit card 100 is unlocked, it will be automatically locked to prevent security problems caused by long-term unlocking. The time can be set within 1 minute based on the user's selection.

[0034] Specifically, after receiving the verification information, the embedded chip 30 controls the locking and unlocking states of the induction coil 40, thereby realizing the control of the communication with the external reading device. In the locked state, the induction coil 40 cannot communicate with the external reading device, which can be achieved through a physical or electronic mechanism. Exemplarily, the physical mechanism is implemented in the form of a switch connection. In the locked state, the switch will be disconnected, so that the induction coil 40 cannot establish a connection with the embedded chip 30, and therefore information cannot be transmitted. When the user verifies his identity and unlocks the credit card, the switch will close again, restoring the path between the induction coil 40 and the embedded chip 30, so that it can communicate with the external reading device.

[0035] In addition, the wearable credit card 100 can be conveniently fixed on the wearer's body through the flexible fixing member 20, specifically, it can be fixed on the wearer's wrist or other parts. This design allows the user to complete the payment operation by simply placing the wearable credit card 100 close to the reading device after completing identity verification without having to look for the credit card when paying, which greatly improves the convenience of payment.

[0036] In summary, the wearable credit card 100 provided by the technical solution of the present application realizes a perfect combination of convenient payment and high security by combining components such as the embedded chip 30, the induction coil 40 and the verification unit. Its unique security mechanism ensures that only verified authorized users can use the device to conduct transactions, thereby effectively protecting the user's financial security and privacy information.

[0037] In some embodiments, the verification module 50 includes a fingerprint recognition module, a facial recognition module, or an iris recognition module, which is used to collect and compare the user's biometric information to verify the user's identity.

[0038] In this embodiment, the fingerprint recognition module can be a highly sensitive fingerprint sensor that can capture the subtle features of the user's fingerprint. When the user places his finger on the fingerprint recognition module, the fingerprint sensor captures the fingerprint image and converts it into a digital signal. The embedded chip 30 processes these digital signals, extracts the fingerprint features, and compares them with the pre-stored fingerprint template; if the comparison is successful, the verification is successful; otherwise, the verification fails. The facial recognition module includes a small camera, which is used to capture the user's facial image. The embedded chip 30 is responsible for extracting features from the facial image and comparing it with the pre-stored facial template; if the comparison is successful, the verification is successful; otherwise, the verification fails. The iris recognition module includes an infrared camera, which is used to capture the image of the user's iris. The embedded chip 30 is responsible for extracting iris features and comparing them with the stored pre-stored iris template to verify the user's identity.

[0039] The fingerprint recognition module, facial recognition module and iris recognition module are specific embodiments of the verification module 50 of the wearable credit card 100, and can be selected and applied according to actual needs and technical characteristics. These modules collect the user's biometric information for comparison and verification, providing users with a safer and more convenient identity authentication method.

[0040] In some embodiments, the verification module 50 also includes a display operation module, which is embedded in the carrier 10 and is used to receive touch instructions from the wearer to achieve human-computer interaction.

[0041] In this embodiment, the display operation module is embedded in the carrier 10 of the wearable credit card 100, which means that the user can directly interact with it without additional equipment or interface. The display operation module is a display touch screen. This design not only simplifies the operation process, but also makes the wearable credit card 100 more portable and integrated.

[0042] The main function of the display operation module is to receive touch commands from the wearer. Users can input commands by touching specific areas or icons on the display operation module, such as selecting a verification method, entering a password, or confirming an identity. This touch interaction method is intuitive and easy to operate, and can easily achieve human-computer interaction even without physical buttons.

[0043] Further, through the display operation module, the user can more directly control and view the status and information of the wearable credit card 100. For example, the user can view the current account balance, transaction record or verification status and other information on the display operation module.

[0044] See also Figure 1-Figure 3As shown, in some embodiments, the wearable credit card 100 also includes a communication module 60 connected to the embedded chip 30, and the communication module 60 is used to wirelessly communicate with an external smart device to achieve remote control of the wearable credit card 100 and information synchronization with the wearable credit card 100.

[0045] In this embodiment, the main function of the communication module 60 is to communicate wirelessly with an external smart device. This allows the user to establish a wireless connection with the wearable credit card 100 through a smart phone, tablet computer or other smart device to achieve remote control of the credit card. For example, the communication module 60 is a Bluetooth communication module 60, and the user can view the credit card transaction record, account balance and other information through the mobile phone APP, or remotely lock and unlock the credit card to ensure its safety.

[0046] In addition, the communication module 60 also realizes the information synchronization function with the wearable credit card 100. Through the connection with the external smart device, the latest transaction information, preferential activities and other contents of the credit card can be synchronized to the user's smart device in real time. In this way, the user can grasp the latest developments of the credit card at any time without directly operating the credit card and enjoy more convenient services.

[0047] Therefore, the application of the communication module 60 not only improves the convenience and security of the wearable credit card 100, but also brings a richer user experience to the user. The user can flexibly use and manage his credit card in different scenarios and according to different needs.

[0048] See also Figure 1-Figure 3 As shown, in some embodiments, a human body data monitoring unit 70 connected to the embedded chip 30 is also provided on the carrier 10, and the human body data monitoring unit 70 is used to monitor the real-time data of the user; wherein, the human body data monitoring unit 70 includes a heart rate monitoring unit, a motion data monitoring unit, a temperature monitoring unit and a blood oxygen saturation monitoring unit.

[0049] In this embodiment, the heart rate monitoring unit can accurately capture the user's heartbeat changes, help the user understand their own health status, and promptly discover potential heart problems. The motion data monitoring unit is mainly used to record and analyze the user's motion status and data. Through the built-in accelerometer or other sensors, it tracks the user's pace, movement distance, speed and other information in real time, provides the user with exercise feedback and suggestions, and promotes the user's sports health. The temperature monitoring unit is used to monitor the user's body temperature changes. When the user feels unwell or suspected of having a fever, the temperature monitoring unit can provide timely body temperature data to help the user or doctor judge the health status. The blood oxygen saturation monitoring unit monitors the user's blood oxygen saturation in real time through a specific sensor. Blood oxygen saturation is an important indicator reflecting the health status of the human respiratory and circulatory systems. This function is particularly important for athletes, the elderly or people with specific diseases.

[0050] The data collected by these monitoring units can also be wirelessly transmitted and synchronized with external smart devices through the communication module 60. Users can view this data on their smartphones or other devices and further analyze and process it through related health management applications. For example, the application can develop a personalized exercise plan for the user based on the user's heart rate and exercise data, or remind the user to pay attention to health conditions based on body temperature and blood oxygen saturation data.

[0051] See also Figure 1-Figure 3 As shown, in some embodiments, a vibration module 80 connected to the embedded chip 30 is also provided on the carrier 10. The vibration module 80 is used to send a vibration prompt to the wearer after the verification module 50 passes the verification and / or the transaction is completed, and to alarm the abnormal data monitored by the human body data monitoring unit 70.

[0052] In this embodiment, one of the main functions of the vibration module 80 is to send a vibration prompt to the wearer after the verification module 50 passes the verification and / or the transaction is completed. When the user successfully verifies his identity through fingerprint recognition, facial recognition or iris recognition, or completes a transaction, the vibration module 80 will be activated immediately and inform the user through slight vibration that the verification or transaction has been successfully completed. This instant feedback not only allows the user to quickly confirm the operation results, but also avoids missing important information due to visual interference or distraction.

[0053] In addition, the vibration module 80 also has the function of alarming the abnormal data monitored by the human body data monitoring unit 70. When the human body data monitoring unit 70 detects that the user's physiological data such as heart rate, body temperature, blood oxygen saturation is abnormal, the vibration module 80 will immediately start the alarm mode and remind the user to pay attention to his or her physical condition through continuous vibration or a specific vibration mode. This alarm mechanism can promptly convey potential health risks to the user and help the user take timely measures to protect their health.

[0054] The vibration module 80 is composed of a small vibration motor, which is directly integrated into the carrier 10 of the wearable credit card 100. The vibration motor is electrically connected to the embedded chip 30 and receives a control signal from the embedded chip 30. In order to ensure that the vibration module 80 can work normally and bring good tactile feedback to the user, a vibration motor with suitable vibration intensity, low power consumption and long life can be selected.

[0055] See also Figure 1-Figure 3 As shown, in some embodiments, the wearable credit card 100 also includes a battery 90 disposed in the carrier 10, and the battery 90 is connected to the embedded chip 30 to provide power to various components in the wearable credit card 100; wherein, a charging interface corresponding to the battery 90 is also provided on the side of the carrier 10 to charge the battery 90 through the charging interface.

[0056] In this embodiment, in order to ensure that the wearable credit card 100 can work stably for a long time, the battery 90 needs to have sufficient capacity to support daily use needs. At the same time, since the wearable credit card 100 pursues lightness and portability, the weight of the battery 90 also needs to be controlled within a reasonable range.

[0057] In addition, in order to facilitate the user to charge the battery 90, a charging interface corresponding to the battery 90 is provided on the carrier 10. In actual use, the user only needs to connect a suitable charging device, such as a mobile power supply or a power adapter, through the charging interface to charge the battery 90 of the wearable credit card 100. The charging process is usually fast and safe, ensuring that the battery 90 can be fully charged in a short time, thereby meeting the user's use needs anytime and anywhere.

[0058] In some embodiments, the flexible fixing member 20 is an elastic bracelet, which can adapt to different wearers based on its own elasticity.

[0059] In this embodiment, the elastic material of the bracelet can provide sufficient elasticity to ensure the comfort and convenience of wearing. At the same time, this design also ensures the stability and fixity of the bracelet, making it difficult to slip or shift during wearing.

[0060] See also Figure 2As shown, in some embodiments, the flexible fixing member 20 includes a first fixing belt 21 and a second fixing belt 22, one end of the first fixing belt 21 is connected to one end of the carrier 10, one end of the second fixing belt 22 is connected to the other first end of the carrier 10, and the other end of the first fixing belt 21 is provided with a first locking portion 211, and the other end of the second fixing belt 22 is provided with a second locking portion 221; wherein the first locking portion 211 cooperates with the second locking portion 221 to lock the other end of the first fixing belt 21 to the other end of the second fixing belt 22.

[0061] In this embodiment, the flexible fixing member 20 provided can be flexibly adjusted according to the wrist size of different wearers. Regardless of the thickness of the wrist, the user can find the most suitable wearing method by adjusting the length of the first fixing belt 21 and the second fixing belt 22, as well as the position of the locking part. This personalized adjustment not only improves the wearing comfort, but also ensures the stability and safety of the wearable credit card 100 on the wrist.

[0062] In some embodiments, the first locking portion 211 cooperates with the second locking portion 221 to form a magnetic locking structure; or, the first locking portion 211 cooperates with the second locking portion 221 to form a plug-in buckle locking structure.

[0063] In this embodiment, regarding the magnetic locking structure, both the first locking portion 211 and the second locking portion 221 are built with magnetic materials. When the two locking portions are close to each other, due to the attraction of the magnetic material, they will automatically adsorb together to form a firmly locked state. This structure is easy to operate, and the user only needs to align and bring the two locking portions close to achieve quick locking. At the same time, the magnetic locking structure also has high stability and reliability, which can ensure the stability and safety of the wearable credit card 100 on the wrist.

[0064] Another solution is a plug-in buckle locking structure. In this structure, the first locking portion 211 is usually designed with a raised locking tooth or slot, and the second locking portion 221 is equipped with a corresponding buckle or pin. The user needs to insert the buckle or pin into the locking tooth or slot and achieve locking by rotating or pushing. This structure provides a more secure locking effect and is suitable for occasions that require higher security. At the same time, the plug-in buckle locking structure also has a certain degree of adjustability. The user can adjust the position of the locking portion according to the size of the wrist to obtain a more comfortable wearing experience.

[0065] The above description is only a partial or preferred embodiment of the present application. Neither the text nor the drawings can limit the scope of protection of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the overall concept of the present application, or direct / indirect application in other related technical fields are included in the scope of protection of the present application.

Claims

1. A wearable credit card, characterized in that: include: A carrier is provided with an embedded chip and an induction coil connected to the embedded chip, and a verification module is arranged on the carrier; the verification module is connected to the embedded chip and is used to verify the identity of the user; the embedded chip is used as a main control chip to control the operation of various components and store credit card information; the induction coil is used to communicate wirelessly with an external reading device to transmit the credit card information; A flexible fixing member connected to the carrier, the flexible fixing member is used to fix the carrier to the wearer; Wherein, if user verification is not performed, the wearable credit card is in a locked state, and the induction coil cannot communicate with the external reading device; after the verification module passes the verification, the communication between the induction coil and the external reading device is restored.

2. The wearable credit card according to claim 1, characterized in that: The verification module includes a fingerprint recognition module, a facial recognition module or an iris recognition module, and the fingerprint recognition module, the facial recognition module or the iris recognition module is used to collect biometric information of the user to verify the identity of the user.

3. The wearable credit card according to claim 1, characterized in that: The verification module also includes a display operation module, which is embedded in the carrier and is used to receive touch instructions from the wearer to achieve human-computer interaction.

4. The wearable credit card according to claim 1, characterized in that: It also includes a communication module connected to the embedded chip, and the communication module is used to wirelessly communicate with an external smart device to achieve remote control of the wearable credit card and information synchronization with the wearable credit card.

5. The wearable credit card according to any one of claims 1 to 4, characterized in that: The carrier is also provided with a human body data monitoring unit connected to the embedded chip, and the human body data monitoring unit is used to monitor the real-time data of the user; Wherein, the human body data monitoring unit includes a heart rate monitoring unit, a motion data monitoring unit, a temperature monitoring unit and a blood oxygen saturation monitoring unit.

6. The wearable credit card according to claim 5, characterized in that: The carrier is also provided with a vibration module connected to the embedded chip, and the vibration module is used to send a vibration prompt to the wearer after the verification module passes the verification and / or the transaction is completed, and to alarm after the human body data monitoring unit monitors abnormal data.

7. The wearable credit card according to claim 6, characterized in that: It also includes a storage battery disposed in the carrier, the storage battery is connected to the embedded chip and is used to provide power to various components in the wearable credit card; Wherein, a charging interface corresponding to the battery is also provided on the side of the carrier so as to charge the battery through the charging interface.

8. The wearable credit card according to claim 1, characterized in that: The flexible fixing member is an elastic bracelet, and the bracelet can adapt to different wearers based on its own elasticity.

9. The wearable credit card according to claim 1, characterized in that: The flexible fixing member includes a first fixing belt and a second fixing belt, one end of the first fixing belt is connected to one end of the carrier, one end of the second fixing belt is connected to the other first end of the carrier, and the other end of the first fixing belt is provided with a first locking portion, and the other end of the second fixing belt is provided with a second locking portion; The first locking portion cooperates with the second locking portion to lock the other end of the first fixing belt with the other end of the second fixing belt.

10. The wearable credit card according to claim 9, characterized in that: The first locking portion cooperates with the second locking portion to form a magnetic locking structure; or, The first locking portion cooperates with the second locking portion to form an insert buckle locking structure.

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