Payment card, related reading device and bracelet comprising the payment card

摘要

A payment card comprises a supporting body with a controller provided with an inner memory in which identification data of a user and the issuing institution are stored. In addition the card provides a connection interface combined with the controller for the connection with an outside device. The connection interface is a connection port incorporating a male portion and a female portion arranged, one with respect to the other, according to a specific layout rendering such a port a “hermaphrodite” port, that is able to couple with a port having an identical geometry. The connection port further comprises a plurality of electric contact elements combined with the male portion and/or the female portion. A method referring to virtual transfer of money between two payment cards is further described.

主权项

1. Method for managing a banking transaction between two payments cards, wherein each payment card comprising:
a) a support body having a first face and a second face opposite to one another; b) a controller provided with an inner memory in which identification data of a user and/or the institution issuing the payment card are stored; c) a connection interface operatively combined with the controller for connection with at least one outside device;
wherein:
i) the connection interface is a connection port of hermaphrodite type that incorporates a male portion and a female portion arranged, one with respect to the other, in such a position to allow a mechanical and operative coupling with an identical connection port of said at least one outside device:ii) a plurality of electric contact elements combined with the male portion and/or the female portion;wherein:
both payment cards are provided with a memory and means for wireless connection and/or connection ports, the method comprising the steps of: exchanging data corresponding to the money sum transfer between the two cards, from the card defined as transferring card to the card defined as recipient card; storing exchanged data in the memories of both the transferring and recipient cards, and storing a security data packet; storing the credited amount in the memory of recipient card and making available such an amount in the future only if the following condition occurs: at least one from the recipient card or the transferring card must be connected at least once to the server of the related issuing institution that validates the money transfer by recording the transaction.