A system for matching credit cards with identity cards

Abstract

The present invention relates to a system (1) which enables contactless payment with an identity card (B) without the need for a physical credit card (A) by matching the credit card (A) information actively used by users and the identity cards (B) of the cardholder users with NFC.

Description

[0001] DESCRIPTION

[0002] A SYSTEM FOR MATCHING CREDIT CARDS WITH IDENTITY

[0003] CARDS

[0004] Technical Field

[0005] The present invention relates to a system which enables contactless payment with an identity card without the need for a physical credit card by matching the credit card information actively used by users and the identity cards of the cardholder users with NFC (Near Field Communication).

[0006] Background of the Invention

[0007] Today, users can make transactions by matching their credit card with their mobile phone number. However, no studies have been found that enable users to match their ID cards with multiple credit cards they have and to select the most advantageous credit card among the registered credit cards as the payment method at the POS device through artificial intelligence when it is time to pay.

[0008] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system which enables the user to make payment transactions with the identity card as if it were a credit card by matching the credit cards owned by the user with the identity card with NFC through the mobile application, as well as to match or remove the matching of more than one identity card with the identity card through the mobile application; the most advantageous credit card that the user can make payment with to be presented to the user through the POS (Point Of Sale) device in case there is more than one registered credit card matched in the identity of the user as a payment method and to enable them to make payment with their identity card; at the same time, to perform banking transactions by scanning his / her identity card with NFC through ATM (Automated Teller Machine); PEST (Personal Identification Number) to be requested from the user for security reasons for transactions over a similar limit; and the limit to be reset and increased through digital channels when the limit is full.

[0009] The Chinese patent document no. CN205644634U, an application included in the state of the art, discloses a system which enables an identity card to perform a multi-use function. The system included in the said invention comprises at least one identity card, an account for binding the identity card, and a reading device for receiving the identity card information. The ID card therein includes a social security card, a bus card, a citizen card, a student card and a fuel card. Further, the identity card therein includes a bank card, an account number and a bank account number. The reading device included in the said invention includes POS machines, toll booths, smart terminals, electronic devices, vending machines, smart home systems, home appliances, access control and NFC devices.

[0010] Summary of the Invention

[0011] An object of the present invention is to realize a system developed with the aim of enabling contactless payment with an identity card without the need for a physical credit card by matching the credit card information actively used by users and the identity cards of the cardholder users with NFC.

[0012] Another object of the present invention is to realize a system developed with the aim of enabling more than one credit card to be added to or deleted from the identity card and the most advantageous credit card from the registered credit cards to be selected as the payment method at the POS device through artificial intelligence during payment.

[0013] A further object of the present invention is to realize a system developed with the aim of allowing the user to perform transactions through the identity card instead of the credit card by performing banking transactions through the identity card via NFC through ATM, since the identity card is not only used as a payment method but also has defined credit card information.

[0014] A further object of the present invention is to realize a system developed with the aim of enabling the user to make payment transactions with the identity card as if it were a credit card by matching the credit cards owned by the user with the identity card with NFC through the mobile application, as well as to match or remove the matching of more than one identity card with the identity card through the mobile application; the most advantageous credit card that the user can make payment with to be presented to the user through the POS device in case there is more than one registered credit card matched in the identity of the user as a payment method and enabling them to make payment with their identity card; at the same time, performing banking transactions by scanning his / her identity card with NFC through ATM; PIN to be requested from the user for security reasons for transactions over a similar limit; and the limit to be reset and increased through digital channels when the limit is full.

[0015] Detailed Description of the Invention

[0016] “A System for Matching Credit Cards with Identity Cards” realized to fulfil the objective of the present invention is shown in the figure attached, in which:

[0017] Figure l is a schematic view of the inventive system.

[0018] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0019] 1. System

[0020] 2. Electronic Device

[0021] 3. Mobile Application 4. Processor

[0022] A. Credit Card

[0023] B. Identity Card

[0024] C. POS Device

[0025] D. ATM

[0026] The inventive system (1) developed with the aim of enabling contactless payment with an identity card (B) without the need for a physical credit card (A) by matching the credit card (A) information actively used by users and the identity cards (B) of the cardholder users with NFC comprises at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one interface thereon; and at least one mobile application (3) which is configured to be run on the electronic device (2); to enable identity card (B) and credit card (A) information to be matched by selecting the credit card (A) information desired to be matched and scanning the identity card (B) via NFC; to enable the credit card (A) matched with the identity card (B) to be removed or to be matched with a different credit card (A); at least one processor (4) which is configured to be run on the identity card (B) and POS device (C) and to be in communication with the electronic device (2); to offer the most advantageous credit card (A) option to the user with the artificial intelligence algorithm on the POS device (C) in the form of which credit card (A) the user can choose to pay with on the POS device (C) during payment; to enable a user with a credit card (A) matched with identity card (B) to perform banking transactions of credit card (A) through ATM (D) by verifying the NFC scan result with identity card (B) through ATM (D).

[0027] The electronic device (2) included in the inventive system (1) is configured to exchange data by using any remote communication protocol and to run at least one interface thereon. The electronic device (2) is a device in the form of a cell phone, tablet computer, desktop computer and / or portable computer. The electronic device (2) is configured to run the mobile application (3) thereon. The electronic device (2) is configured to establish connection with the processor (4) by using any remote communication protocol included in the state of art.

[0028] The mobile application (3) included in the inventive system (1) is configured to be run on the electronic device (2). The mobile application (3) is configured to enable the user to match the identity card (B) and credit card (A) information by selecting the credit card (A) information that s / he wants to match on at least one interface and scanning the identity card (B) with NFC. The mobile application (3) is configured to enable the user to remove the credit card (A) matched with the identity card (B) or to perform the matching with a different credit card (A), at least on one interface.

[0029] The processor (4) included in the inventive system (1) is configured to be run on the identity card (B) and the POS device (C) and to be in communication with the electronic device (2). The processor (4) is configured to provide the user with the most advantageous credit card (A) option with the artificial intelligence algorithm on the POS device (C), in the form of which credit card (A) s / he can choose to pay with on the POS device (C) during payment. The processor (4) is configured to enable a user with a credit card (A) matched with identity card (B) to perform banking transactions of credit card (A) through ATM (D) by verifying the NFC scan result with identity card (B) through ATM (D). The processor (4) is configured to enable to proceed with the transaction after verification by entering a PIN in case of a payment made over a certain limit.

[0030] Industrial Application of the Invention

[0031] In the inventive system (1), the user is enabled to make payment transactions with the identity card (B) as if it were a credit card (A) by matching the credit cards (A) owned by the user with the identity card with NFC through the mobile application (3), as well as to match or remove the matching of more than one identity card (B) with the identity card (B) through the mobile application (3); the most advantageous credit card (A) that the user can make payment with is enabled to be presented to the user through the POS device (C) in case there is more than one registered credit card (A) matched in the identity of the user as a payment method and they are enabled to make payment with their identity card (B); at the same time, to perform banking transactions by scanning his / her identity card (B) with NFC through ATM (D); PIN to be requested from the user for security reasons for transactions over a similar limit; and the limit to be reset and increased through digital channels when the limit is full.

[0032] Within these basic concepts; it is possible to develop various embodiments of the inventive “A System (1) for Matching Credit Cards (A) with Identity Cards (B)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) which enables contactless payment with an identity card (B) without the need for a physical credit card (A) by matching the credit card (A) information actively used by users and the identity cards (B) of the cardholder users with NFC; comprising at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one interface thereon; and characterized by at least one mobile application (3) which is configured to be run on the electronic device (2); to enable identity card (B) and credit card(A) information to be matched by selecting the credit card (A) information desired to be matched and scanning the identity card(B) via NFC; to enable the credit card (A) matched with the identity card (B) to be removed or to be matched with a different credit card (A); at least one processor (4) which is configured to be run on the identity card (B) and POS device (C) and to be in communication with the electronic device (2); to offer the most advantageous credit card (A) option to the user with the artificial intelligence algorithm on the POS device (C) in the form of which credit card (A) the user can choose to pay with on the POS device (C) during payment; to enable a user with a credit card (A) matched with identity card (B) to perform banking transactions of credit card (A) through ATM (D) by verifying the NFC scan result with identity card (B) through ATM (D).

2. A system (1) according to Claim 1; characterized by the electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one interface thereon; and is adevice in the form of a cell phone, tablet computer, desktop computer and / or portable computer.

3. A system (1) according to Claim 1 or 2; characterized by the electronic device (2) which is configured to run the mobile application (3) thereon.

4. A system (1) according to Claim 3; characterized by the electronic device (2) which is configured to establish connection with the processor (4) by using any remote communication protocol.

5. A system (1) according to any one of the preceding claims; characterized by the mobile application (3) which is configured to be run on the electronic device (2).

6. A system (1) according to any one of the preceding claims; characterized by the mobile application (3) which is configured to enable the user to match the identity card (B) and credit card (A) information by selecting the credit card (A) information that s / he wants to match on at least one interface and scanning the identity card (B) with NFC.

7. A system (1) according to any one of the preceding claims; characterized by the mobile application (3) which is configured to enable the user to remove the credit card (A) matched with the identity card (B) or to perform the matching with a different credit card (A), at least on one interface.

8. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to be run on the identity card (B) and the POS device (C) and to be in communication with the electronic device (2).

9. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to provide the user with the most advantageous credit card (A) option with the artificial intelligence algorithm on the POS device (C), in the form of which credit card (A) s / he can choose to pay with on the POS device (C) during payment.

10. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to enable a user with a credit card (A) matched with identity card (B) to perform banking transactions of credit card (A) through ATM (D) by verifying the NFC scan result with identity card (B) through ATM (D).

11. A system (1) according to any one of the preceding claims; characterized by the processor (4) which is configured to enable to proceed with the transaction after verification by entering a PIN in case of a payment made over a certain limit.

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