CN106713248B

CN106713248B - Method for applying virtual card online, user terminal and system for applying virtual card online

Info

Publication number: CN106713248B
Application number: CN201510791517.1A
Authority: CN
Inventors: 郭懿心; 韦德志; 杨耿彬; 郑伟涛; 吴文勤
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2015-11-17
Filing date: 2015-11-17
Publication date: 2020-08-25
Anticipated expiration: 2035-11-17
Also published as: CN106713248A

Abstract

A method for online applying for a virtual card comprises verifying a password; the method comprises the steps that a verification server sends an instruction strategy for uploading photos of the front side and the back side of an identity card when a card issuing authority server judges that a user is a first card user; sending the obtained positive and negative photos of the identity card to a verification server; the public security department system carries out matching degree grading on the information of the picture, the positive and negative photos of the identity card and the application card intercepted when the user carries out corresponding operation; the card issuing organization server performs pre-verification on the information of the application card, acquires the code number of the card after the matching degree score is checked back through the check identity number, performs quick subscription and marking processing of the main card number, and then sends the card to the verification server; and receiving the marks of the card code number and the main card number sent by the verification server, and writing the marks into the security chip. The invention also provides the user terminal and an on-line virtual card application system. The method for applying the virtual card online, the user terminal and the system for applying the virtual card online have high convenience and quickness.

Description

Method for applying virtual card online, user terminal and system for applying virtual card online

Technical Field

The present invention relates to the field of computer communication technologies, and in particular, to a method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online.

Background

At present, a virtual card is issued, a card issuing organization generally requires an applicant to carry an original identity card to a counter for handling and requires a user to sign himself, after the card issuing organization checks the original identity card, a corresponding entity virtual card needs to be manufactured, and the whole process is too high in cost and too long in time.

The prior art solution requires the user to bind a physical card that has been signed under the line to facilitate verification of identity, which is simpler than requiring the user to sign on the counter top, but also requires the user to have a physical card and be willing to give these critical card information to a third party, and there is a high psychological threshold for the user to use.

Disclosure of Invention

In view of this, the present invention provides a method, a user terminal, and a system for applying for a virtual card online, which do not need to sign a card online and have higher convenience and rapidity.

The embodiment of the invention provides a method for applying for a virtual card online, which is applied to a user terminal and comprises the steps of obtaining a password of an account and sending the password to a verification server so that the verification server verifies the password; the method comprises the steps that acquired information of an application card is verified by a verification server and then sent to a card issuing mechanism server, wherein the information of the application card at least comprises any one of a user name and an identification code, so that an instruction strategy for uploading a front-side photo and a back-side photo of an identification card, which is sent by the verification server when the card issuing mechanism server judges that a user is a first card user, is received; prompting to input positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card, and sending the obtained positive and negative photos of the identity card to the verification server; after receiving the instruction strategy of the video surface sign sent by the verification server, prompting the user to carry out corresponding operation, and sending the picture intercepted when the user carries out corresponding operation to the verification server, so that the verification server sends the picture intercepted when the user carries out corresponding operation, the positive and negative pictures of the identity card and the information of the application card to a public security department system, so that the public security department system sends the checked identity number to the card issuing mechanism server through the verification server after matching degree grading is carried out on the picture intercepted when the user carries out corresponding operation, the positive and negative pictures of the identity card and the information of the application card, and the card issuing mechanism server obtains the card code number and carries out rapid signing and marking processing of the main card number to the verification server after carrying out prepositive verification on the information of the application card and carrying out reverse checking on the matching degree grading through the checked identity number, enabling the verification server to call a quick card binding service to carry out quick card binding, and sending the card code number and the mark of the main card number to the user terminal; and receiving the card code number and the mark of the main card number sent by the verification server, and writing the mark into a security chip.

The invention also provides a method for applying for the virtual card online, which is applied among the user terminal, the verification server and the card issuing organization server, and comprises the steps that the user terminal obtains the password of the account and sends the password to the verification server; the authentication server authenticates the password; the user terminal sends the acquired information of the application card to a card issuing authority server after being verified by the verification server, wherein the information of the application card at least comprises any one of a user name and an identification code; the card issuing authority server judges whether the user is a non-first card user; if the user is a first card user, the verification server sends an instruction strategy for uploading the front and back photos of the identity card to the user terminal; the user terminal prompts to input positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card, and sends the input positive and negative photos of the identity card to the verification server; after receiving the instruction strategy of the video surface label sent by the verification server, the user terminal prompts a user to carry out corresponding operation and sends the picture captured when the user carries out corresponding operation to the verification server; the verification server sends the picture, the positive and negative photos of the identity card and the information of the application card which are captured when the user performs corresponding operation to a public security department system; the public security department system scores matching degree of pictures, positive and negative photos of the identity card and information of the application card intercepted when the user performs corresponding operation, and then sends a standby identity number to the card issuing organization server through the verification server; the card issuing organization server carries out pre-verification on the information of the application card and carries out back-checking on the matching degree score through the back-checking identity number, obtains a card code number, carries out quick signing and marking processing on a main card number and then sends the card code number and the main card number to the verification server; the verification server calls a quick card binding service to carry out quick card binding, and sends the card code number and the mark of the main card number to the user terminal; and the user terminal receives the card code number and the mark of the main card number sent by the verification server and writes the mark into a security chip. The invention also provides a user terminal which comprises a first password sending unit, an application card information sending unit, an instruction strategy receiving unit, a prompting unit, a photo sending unit and an intercepting unit. The first password sending unit is used for receiving a password of an account and sending the password to an authentication server so that the authentication server can authenticate the password; the application card information sending unit is used for sending the received information of the application card to the card issuing mechanism server after the verification of the verification server, and the information of the application card at least comprises any one of a user name and an identification code so that the card issuing mechanism server judges whether the user is a non-first card user. And the instruction strategy receiving unit is used for receiving an instruction strategy of uploading the front and back photos of the identity card, which is sent by the verification server when the card issuing authority server judges that the user is the first card user. And the prompting unit is used for prompting to input the positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card. The photo sending unit is used for sending the input positive and negative photos of the identity card to the verification server. The intercepting unit is used for prompting a user to carry out corresponding operation after receiving an instruction strategy of a video surface sign sent by the verification server, and sending an image intercepted when the user carries out corresponding operation to the verification server so that the verification server sends the image intercepted when the user carries out corresponding operation, the positive and negative photos of the identity card and the information of the application card to a public security department system, thereby leading the public security department system to send a standby identity number to the card issuing mechanism server through the verification server after matching degree grading is carried out on the image intercepted when the user carries out corresponding operation, the positive and negative photos of the identity card and the information of the application card, leading the card issuing mechanism server to carry out prepositive verification on the information of the application card and after the matching degree grading is carried out through the standby identity number, and obtaining the card code number, carrying out quick signing and marking of the main card number, and then sending the card code number and the main card number to the verification server, so that the verification server calls a quick card binding service to carry out quick card binding and sends the marks of the card code number and the main card number.

The invention also provides a system for applying for the virtual card on line, which comprises: a user terminal, a verification server and a card issuing authority server; the user terminal is used for receiving a password of an account and sending the password to the verification server; the authentication server is used for authenticating the password; the user terminal is further used for sending the information of the application card to a card issuing mechanism server after being verified by the verification server, wherein the information of the application card at least comprises any one of a user name and an identity identification code, so that the card issuing mechanism server judges whether the user is a non-first card user; the verification server is also used for sending an instruction strategy for uploading the front and back photos of the identity card to the user terminal when the verification server judges that the user is the first card user; the user terminal is also used for prompting to input positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card and sending the input positive and negative photos of the identity card to the verification server; the user terminal is also used for prompting a user to carry out corresponding operation after receiving the instruction strategy of the video surface label sent by the verification server, and sending the picture intercepted when the user carries out corresponding operation to the verification server; the verification server is further used for sending the picture captured when the user performs corresponding operation, the positive and negative picture of the identity card and the information of the application card to a public security department system, so that the picture captured when the user performs corresponding operation, the positive and negative picture of the identity card and the information of the application card are subjected to matching degree grading through the public security department system, and then the checked identity number is sent to the card issuing organization server through the verification server; the card issuing mechanism server is also used for carrying out prepositive verification on the information of the application card and obtaining the card code number and carrying out quick signing and marking processing of the main card number after the matching degree score is checked back through the check identity number and then sending the card code number and the main card number to the verification server.

The method, the user terminal and the system for applying the virtual card online provided by the invention enable the user to directly apply the virtual card online when the user is not the first card user without performing offline signing, and directly and quickly bind the card after the card is issued by the card issuer, thereby having higher convenience and rapidness.

In order to make the aforementioned and other objects, features and advantages of the invention comprehensible, preferred embodiments accompanied with figures are described in detail below.

Drawings

Fig. 1 shows a block diagram of a user terminal.

Fig. 2 is a structural diagram of a user terminal according to a first embodiment of the present invention.

Fig. 3 is a structural diagram of a user terminal according to a second embodiment of the present invention.

Fig. 4 is a structural diagram of a user terminal according to a third embodiment of the present invention.

Fig. 5 is a structural diagram of a user terminal according to a fourth embodiment of the present invention.

Fig. 6 is a block diagram of an authentication server according to a fifth embodiment of the present invention.

Fig. 7 is a block diagram of a card issuer server according to a sixth embodiment of the present invention.

Fig. 8 is a block diagram of a system for applying for a virtual card online according to a seventh embodiment of the present invention.

Fig. 9 is a flowchart of a method for applying for a virtual card online according to an eighth embodiment of the present invention.

Fig. 10 is a timing diagram illustrating a method for applying for a virtual card on a line according to an eighth embodiment of the present invention.

Fig. 11 is a flowchart of a method for applying for a virtual card online according to a ninth embodiment of the present invention.

Fig. 12 is a timing diagram illustrating a method for applying for a virtual card online according to a ninth embodiment of the present invention.

Fig. 13 is a flowchart of a method for applying for a virtual card online according to a tenth embodiment of the present invention.

Fig. 14 is a flowchart of a method for applying for a virtual card online according to an eleventh embodiment of the present invention.

Fig. 15 is a flowchart of a method for applying for a virtual card online according to a twelfth embodiment of the present invention.

Detailed Description

To further illustrate the technical means and effects of the present invention adopted to achieve the predetermined objects, the following detailed description of the embodiments, structures, features and effects according to the present invention will be made with reference to the accompanying drawings and preferred embodiments.

Fig. 1 shows a block diagram of a user terminal. As shown in fig. 1, the user terminal includes a memory 102, a memory controller 104, one or more processors 106 (only one shown), a peripheral interface 108, a radio frequency module 110, a positioning module 112, a camera module 114, an audio module 116, a touch screen 118, and a key module 120. These components communicate with each other via one or more communication buses/signal lines.

It will be appreciated that the configuration shown in figure 1 is merely illustrative and that the user terminal may also include more or fewer components than shown in figure 1 or have a different configuration than shown in figure 1. The components shown in fig. 1 may be implemented in hardware, software, or a combination thereof.

The memory 102 may be used to store software programs and modules, such as program instructions/modules corresponding to the method for applying for a virtual card online in the user terminal according to the embodiment of the present invention, and the processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, so as to implement the above-mentioned method for applying for a virtual card online in the user terminal.

The memory 102 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 examples, the memory 102 may further include memory located remotely from the processor 106, which may be connected to the user terminal over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof. Access to the memory 102 by the processor 106, and possibly other components, may be under the control of the memory controller 104.

Peripheral interface 108 couples various input/output devices to the CPU and memory 102. The processor 106 executes various software, instructions within the memory 102 to perform various functions of the user terminal and to perform data processing.

In some embodiments, the peripheral interface 108, the processor 106, and the memory controller 104 may be implemented in a single chip. In other examples, they may be implemented separately from the individual chips.

The rf module 110 is used for receiving and transmitting electromagnetic waves, and implementing interconversion between the electromagnetic waves and electrical signals, so as to communicate with a communication network or other devices. The rf module 110 may include various existing circuit elements for performing these functions, such as an antenna, an rf transceiver, a digital signal processor, an encryption/decryption chip, a Subscriber Identity Module (SIM) card, memory, and so forth. The rf module 110 may communicate with various networks such as the internet, an intranet, a wireless network, or with other devices via a wireless network. The wireless network may comprise a cellular telephone network, a wireless local area network, or a metropolitan area network. The Wireless network may use various Communication standards, protocols, and technologies, including, but not limited to, Global System for Mobile Communication (GSM), Enhanced Mobile Communication (Enhanced Data GSM Environment, EDGE), wideband Code division multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), bluetooth, Wireless Fidelity (WiFi) (e.g., Institute of Electrical and Electronics Engineers (IEEE) standard IEEE802.11 a, IEEE802.11 b, IEEE802.1 g, and/or IEEE802.11 n), Voice over internet protocol (VoIP), world wide mail Access (Wireless for Microwave, Mobile telecommunications), Wi-Max, and any other suitable protocols for instant messaging, and may even include those protocols that have not yet been developed.

The positioning module 112 is used for obtaining the current position of the user terminal. Examples of the positioning module 112 include, but are not limited to, a global positioning satellite system (GPS), a wireless local area network-based positioning technology, or a mobile communication network-based positioning technology.

The camera module 114 is used to take a picture or video. The pictures or videos taken may be stored in the memory 102 and transmitted through the radio frequency module 110.

Audio module 116 provides an audio interface to a user that may include one or more microphones, one or more speakers, and audio circuitry. The audio circuitry receives audio data from the peripheral interface 108, converts the audio data to electrical information, and transmits the electrical information to the speaker. The speaker converts the electrical information into sound waves that the human ear can hear. The audio circuitry also receives electrical information from the microphone, converts the electrical information to voice data, and transmits the voice data to the peripheral interface 108 for further processing. The audio data may be retrieved from the memory 102 or through the radio frequency module 110. In addition, the audio data may also be stored in the memory 102 or transmitted through the radio frequency module 110. In some examples, the audio module 116 may also include an earphone jack for providing an audio interface to a headset or other device.

The touch screen 118 provides both an output and an input interface between the user terminal and the user. In particular, the touch screen 118 displays video output to the user, the content of which may include text, graphics, video, and any combination thereof. Some of the output results are for some of the user interface objects. The touch screen 118 also receives user inputs, such as user clicks, swipes, and other gesture operations, for the user interface objects to respond to these user inputs. The technique of detecting user input may be based on resistive, capacitive, or any other possible touch detection technique. Specific examples of touch screen 118 display units include, but are not limited to, liquid crystal displays or light emitting polymer displays.

The key module 120 also provides an interface for a user to input to the user terminal, and the user can press different keys to cause the user terminal to perform different functions.

First embodiment

Fig. 2 is a block diagram of a user terminal 20 according to a first embodiment of the present invention. As shown in fig. 2, the user terminal 20 includes a first password transmission unit 200, an application card information transmission unit 201, an instruction policy reception unit 202, a presentation unit 203, a photograph transmission unit 204, and an interception unit 205.

The first password sending unit 200 is configured to receive a password of an account and send the password to the authentication server, so that the authentication server authenticates the password.

The application card information sending unit 201 is configured to send the received application card information to the card issuer server after being verified by the verification server, where the application card information at least includes any one of a user name and an identification code, so that the card issuer server determines whether the user is a non-first card user.

Wherein the user's name may be, but is not limited to, the user's name, or a nickname, etc., and the identification code may be, but is not limited to, a numeric and/or alphabetic code, etc., that is an identification number, passport number, etc., that represents the user's identity.

The instruction policy receiving unit 202 is configured to receive an instruction policy, which is sent by the verification server when the card issuer server determines that the user is the first card user, for uploading the front and back photos of the identity card.

The first card user may be, but not limited to, a user who has not successfully applied for a virtual card in an issuer.

The prompting unit 203 is used for prompting to input the positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card.

The positive and negative photos of the identity card can also be positive and negative photos of other identity documents such as passports, passports and the like.

The photo sending unit 204 is configured to send the positive and negative photos of the input identity card to the verification server.

The photo sending unit 204 may also, but not limited to, encrypt the positive and negative photos of the input identity card and send the encrypted positive and negative photos to the authentication server, so as to ensure the security of the user identity information.

The intercepting unit 205 is used for prompting the user to perform corresponding operation after receiving the instruction strategy of the video surface sign sent by the verification server, and sending the picture intercepted by the user during corresponding operation to the verification server, so that the verification server sends the picture intercepted by the user during corresponding operation, the positive and negative photos of the identity card and the information of the application card to the public security department system, so that the public security department system sends the checked identity number to the card issuing organization server through the verification server after grading the matching degree of the picture intercepted by the user during corresponding operation, the positive and negative photos of the identity card and the information of the application card, and the card issuing organization server obtains the card code number and carries out quick sign and marking processing of the main card number after carrying out prepositive verification on the information of the application card and grading the matching degree of the checked identity number, so that the verification server calls the quick card binding service to carry out quick card binding, and sends the marks of the card code number and the main card number to the security chip of the user terminal 30.

Wherein, the intercepting unit 205 can send, but not limited to, pictures, videos or sound recordings, etc. of the user's actions according to the instruction policy, or reciting legal documents, etc. to the verification server.

The user terminal 20 provided by the invention enables the user to directly check the body in real time through the online video surface label technology when the user is the first card user, so as to apply for the virtual card online without performing the offline label, and directly and quickly bind the card after the card is issued by the card issuing bank, thereby having higher convenience and rapidness. In addition, a public security department system is used for scoring, and safety is improved.

Second embodiment

Fig. 3 is a block diagram of a user terminal 30 according to a second embodiment of the present invention. As shown in fig. 3, the user terminal 30 further includes an authentication information transmitting unit 306 and a mark writing unit 307.

The verification information sending unit 306 is configured to receive the verification information sent by the card issuer server to the verification server when the user is determined to be a non-first card user, so that the verification server sends the verification information of the reserved communication number, and sends the verification information input by the user to the verification server, so that the verification server sends the information of the application card to the card issuer server after verifying the verification information, so that the card issuer server obtains the card code number and performs quick subscription after performing pre-verification on the information of the application card, and sends the card code number and the mark of the main card number to the verification server, so that the verification server invokes the quick card binding service to perform quick card binding, and sends the card code number and the mark of the main card number to the mark writing unit 307.

The verification information may be, but is not limited to, a short message verification code including numbers, and it is understood by those skilled in the art that the verification information may also be other types of verification codes including letters or figures.

The mark writing unit 307 is configured to receive the card code and the mark of the master card number sent by the verification server, and write the mark into the security chip.

In an embodiment of the present invention, the mark may be written into a Secure Element (SE), or may be replaced by a remotely hosted Cloud SE (SE) based on host-based card emulation (HCE) technology.

The user terminal 30 provided by the invention enables the user to directly apply for the virtual card on line when the user is not the first card user without carrying out under-line signing, and directly and quickly bind the card after the card is sent by the card issuer, thereby having higher convenience and rapidness.

Third embodiment

Fig. 4 is a structural diagram of a user terminal according to a third embodiment of the present invention. The user terminal can also be used for realizing on-line quick payment of the virtual card. As shown in fig. 4, the user terminal 40 includes an order placing unit 408, an order identification number receiving unit 409, a second password transmitting unit 410, and a payment result presenting unit 411.

The ordering unit 408 is used for ordering at the authentication server upon receiving the payment operation information.

The order identification number receiving unit 409 is configured to receive the order identification number sent by the verification server.

The second password sending unit 410 is configured to send the acquired account password and the order identification number to the verification server, so that the verification server finds out the corresponding card code and the corresponding protocol number and sends the card code and the corresponding protocol number to the card issuer server after verifying the account password, thereby enabling the card issuer server to execute a deduction operation.

The authentication server may further, but not limited to, further authenticate the identity of the user through authentication information (e.g., short message).

The payment result presentation unit 411 is used for presenting a payment result.

The user terminal 40 of the present invention can also be used to realize online fast payment of the virtual card, and the operation is convenient and fast, which is beneficial to improving the user experience.

Fourth embodiment

Fig. 5 is a structural diagram of a user terminal according to a fourth embodiment of the present invention. The user terminal may also be used to enable offline payment of virtual cards. As shown in fig. 5, the user terminal 50 further includes an application protocol data unit instruction receiving unit 512 and a flag sending unit 513.

The application protocol data unit instruction receiving unit 512 is configured to receive an application protocol data unit instruction sent by a POS machine, and establish a connection with a Point of sale (POS) machine.

The tag sending unit 513 is configured to send the tag to the card issuer server via the POS device, so that the card issuer server converts the tag into a main card number, then performs a deduction operation, and then sends the deduction result to the POS device.

The user terminal 50 of the present invention can also be used to realize offline payment of a virtual card, and is convenient and fast to operate, which is beneficial to improving user experience.

Fifth embodiment

Fig. 6 is a block diagram of an authentication server according to a fifth embodiment of the present invention. As shown in fig. 6, the authentication server 60 includes a password receiving unit 601, a password authentication unit 602, an application card information transmitting unit 603, a reserved communication number receiving unit 604, an authentication information transmitting unit 605, an authentication information receiving unit 606, an authentication information authentication unit 607, a card code number receiving unit 608, and a card binding unit 609.

The password receiving unit 601 is configured to receive a password of an account sent by a user terminal. The password authentication unit 602 is configured to authenticate a password. The application card information sending unit 603 is configured to send application card information obtained by the user terminal to the card issuer server, where the application card information at least includes any one of a user name and an identification code. The reserved communication number receiving unit 604 is configured to receive a reserved communication number sent by the card issuer server when the user is determined to be a non-first card user and when the user is determined to be a non-first card user. The verification information sending unit 605 is configured to send verification information to the reserved communication number. The authentication information receiving unit 606 is used for receiving authentication information sent by the user terminal. The verification information verification unit 607 is configured to, after verifying the verification information, cause the application card information transmission unit 603 to transmit the information of the application card to the card issuer server again. The card code receiving unit 608 is configured to receive the card code obtained by the card issuer server after performing pre-verification on the information of the application card, the quick subscription, and the mark obtained after performing the marking process on the main card number.

The card binding unit 609 is configured to invoke a quick card binding service to perform quick card binding, and send the card code number and the tag of the main card number to the user terminal, so that the user terminal receives the card code number and the tag of the main card number sent by the verification server 60, and writes the tag into the security chip.

The verification server 60 provided by the invention enables the user to directly apply for the virtual card on line when the user is not the first card user without carrying out under-line signing, and directly and quickly bind the card after the card is sent by the card issuer, thereby having higher convenience and rapidness.

Sixth embodiment

Fig. 7 is a block diagram of a card issuer server according to a seventh embodiment of the present invention. As shown in fig. 7, the card issuer server 70 includes a card application information receiving unit 701, a judging unit 702, and a pre-verification unit 703.

The application card information receiving unit 701 is configured to receive application card information acquired by a user terminal and sent after being verified by a verification server, where the application card information at least includes any one of a user name and an identification code.

The determining unit 702 is configured to determine whether the user is a non-first card user, and send the reserved communication number to the authentication server when the user is a non-first card user.

The application card information receiving unit 701 is further configured to receive the application card information sent by the verification server after the verification information is sent to the reserved communication number and the acquired verification information is verified.

The pre-verification unit 703 is configured to, after performing pre-verification on the information of the application card, obtain a card code number, perform fast signing and main card number marking, and send the card code number and the main card number to a verification server, so that the verification server invokes a fast card binding service to perform fast card binding, and send the card code number and the main card number to the user terminal, so that the user terminal receives the card code number and the main card number mark sent by the verification server, and writes the mark into the security chip.

The card issuing authority server 70 provided by the invention enables a user to directly apply for a virtual card on line when the user is a non-first card user without carrying out under-line signing, and directly and quickly bind the card after the card is issued by the card issuer, thereby having higher convenience and rapidness.

Seventh embodiment

Fig. 8 is a block diagram of a system for applying for a virtual card online according to a seventh embodiment of the present invention. As shown in fig. 8, the system for applying for a virtual card online includes a user terminal 80, an authentication server 81, and a card issuer server 82.

The user terminal 80 is configured to receive a password of the account and send the password to the authentication server 81. The authentication server 81 is used to authenticate the password. The user terminal 80 is further configured to verify the information of the application card by the verification server 81 and send the information to the card issuer server 82, where the information of the application card at least includes any one of the user name and the identification code.

The card issuer server 82 is configured to determine whether the user is a non-first card user, and send the reserved communication number to the verification server 81 when the user is a non-first card user.

The authentication server 81 is also configured to send authentication information to the reserved communication number.

The user terminal 80 is also configured to receive authentication information and send the authentication information to the authentication server 81.

The verification server 81 is also configured to send the card application information to the card issuer server 82 after verifying the verification information.

The card issuer server 82 is also configured to obtain the card code number after performing pre-verification on the information of the application card, perform quick subscription and main card number marking, and send the card code number to the verification server 81.

The verification server 81 is further configured to invoke a quick card binding service to perform quick card binding, and send the card code number and the mark of the main card number to the user terminal 80.

The user terminal 80 is further configured to receive the card code number and the mark of the main card number sent by the verification server 81, and write the mark into the security chip.

In an embodiment of the present invention, the verification server 81 is further configured to send an instruction policy for uploading the front and back photos of the identity card to the user terminal 80 when the verification server 81 determines that the user is the first card user. The user terminal 80 is further configured to prompt to input the positive and negative photos of the identity card according to the received instruction policy for uploading the positive and negative photos of the identity card, and send the input positive and negative photos of the identity card to the verification server 81. The user terminal 80 is further configured to prompt the user to perform a corresponding operation after receiving the instruction policy of the video surface label sent by the verification server 81, and send the picture captured when the user performs the corresponding operation to the verification server 81.

The verification server 81 is further configured to send the information of the picture, the positive and negative picture of the identity card, and the application card captured when the user performs the corresponding operation to the public security department system, so that the matching degree of the information of the picture, the positive and negative picture of the identity card, and the application card captured when the user performs the corresponding operation is scored through the public security department system, and then the checked identity number is sent to the card issuer server 82 through the verification server 81. The card issuer server 82 is further configured to obtain the card code number and perform the quick subscription and the main card number labeling processing after performing the pre-verification on the information of the application card and performing the back-check matching degree score through the back-check identification number, and then send the card code number and the main card number to the verification server 81.

In an embodiment of the present invention, the user terminal 80 is further configured to receive the order identification number sent by the authentication server 81 after the authentication server 81 places an order according to the acquired payment operation information, and send the account password and the order identification number to the authentication server 81.

The verification server 81 is further configured to find out the corresponding card code and protocol number and send the card code and protocol number to the card issuer server 82 after verifying the password of the account, so that the card issuer server 82 performs a deduction operation.

The user terminal 80 is also used to present the payment result.

In an embodiment of the present invention, the user terminal 80 is further configured to receive an application protocol data unit instruction sent by the POS machine, and establish a connection with the POS machine. The user terminal 80 is also configured to send the token to the card issuer server 82 via the POS machine, so that the card issuer server 82 converts the token into a master card number, performs a deduction operation, and sends the deduction result to the POS machine.

The system for applying for the virtual card on line provided by the invention enables the user to directly perform real-time body verification through the online video surface signing technology when the user is the first card user, so as to realize the online application of the virtual card without performing online surface signing, and the card is directly and quickly bound after the card is issued by the card issuing bank, thus having higher convenience and rapidness. In addition, a public security department system is used for scoring, and safety is improved.

Eighth embodiment

Fig. 9 is a flowchart of a method for applying for a virtual card online according to an eighth embodiment of the present invention. Fig. 10 is a timing diagram illustrating a method for applying for a virtual card on a line according to an eighth embodiment of the present invention. Referring to fig. 9 and 10, an online virtual card application method may be applied between the user terminal, the verification server, and the card issuer server shown in fig. 8, where the online virtual card application method includes the following steps:

step S901: the user terminal acquires a password of an account and sends the password to the verification server;

specifically, the user logs in the user terminal, and inputs a payment password for an account, such as financial, or WeChat payment, and sends the password to the authentication server.

Step S902: the authentication server authenticates the password;

specifically, after the password is verified by the verification server, a context object is created, and a session-id is returned to the user terminal to distinguish the user.

Step S903: the user terminal sends the acquired information of the application card to a card issuing agency server after being verified by a verification server;

the information of the application card at least comprises any one of a user name and an identification code;

Specifically, the verification server checks the context and verifies the user name/id, and then sends the application card information to the card issuer server.

Step S904: if the card issuing agency server judges that the user is the first card user, the verification server sends an instruction strategy for uploading the front and back photos of the identity card to the user terminal;

step S905: the user terminal prompts to input positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card, and sends the input positive and negative photos of the identity card to the verification server;

the verification server can encrypt and store the positive and negative photos of the identity card so as to ensure the security of user privacy.

Step S906: after receiving the instruction strategy of the video surface label sent by the verification server, the user terminal prompts the user to carry out corresponding operation and sends the picture captured when the user carries out corresponding operation to the verification server;

the instruction strategy can be but is not limited to doing corresponding actions according to instructions or/and reciting specified authorized words in specified time and the like, and the user terminal sends pictures, videos or sound recordings and the like when the user performs corresponding operations according to the instruction strategy to the verification server.

Step S907: the verification server sends the information of the picture, the positive and negative photos of the identity card and the application card intercepted by the user during corresponding operation to the public security department system;

step S908: the public security department system scores matching degree of the picture, positive and negative photos of the identity card and information of the application card intercepted when the user performs corresponding operation, and then sends the standby identity number to a card issuing organization server through a verification server;

step S909: the card issuing organization server performs pre-verification on the information of the application card, acquires the code number of the card after the matching degree score is checked back through the check identity number, performs quick subscription and marking processing of the main card number, and then sends the card to the verification server;

the content of the pre-verification is determined by each card issuer, for example, the pre-verification can be performed for an anti-fraud module, card issuer specific limitation service (for example, how many users can be opened for applying each day), and the like.

Step S910: the verification server calls a quick card binding service to carry out quick card binding, and sends the marks of the card code number and the main card number to the user terminal;

step S911: and the user terminal receives the card code number and the mark of the main card number sent by the verification server and writes the mark into the security chip.

The method for applying for the virtual card online enables the user to directly apply for the virtual card online through the video surface label when the user is the first card user without performing the under-line label, and directly and quickly bind the card after the card is issued by the card issuing bank, so that the method has higher convenience and rapidness.

Ninth embodiment

Fig. 11 is a flowchart of a method for applying for a virtual card online according to a ninth embodiment of the present invention. Fig. 12 is a timing diagram illustrating a method for applying for a virtual card online according to a ninth embodiment of the present invention. Referring to fig. 11 and 12, the step of determining whether the user is a non-first card user by the card issuer server further includes the following steps:

step S1101: the card issuing authority server sends the reserved communication number to the verification server when judging that the user is not the first card user;

specifically, the card issuer server may, but is not limited to, determine whether the user is the first card user by determining whether the user successfully applies for the virtual card, and if the user successfully applies for the virtual card, determine that the user is not the first card user, otherwise, determine that the user is the first card user.

Step S1102: the verification server sends verification information to a reserved communication number;

The communication number may be, but is not limited to, a mobile phone number, an account of an instant messaging tool (e.g., QQ, wechat, etc.), and the like.

Step S1103: the user terminal acquires the verification information and sends the acquired verification information to the verification server;

step S1104: after the verification server verifies the acquired verification information, the information of the application card is sent to a card issuing agency server;

specifically, after the verification of the acquired verification information passes, the verification server updates the context, encrypts and packages the application card information and sends the application card information to the card issuing institution server.

Step S1105: the method comprises the steps that after pre-verification is carried out on information of an application card by a card issuing mechanism server, a card code number is obtained, quick subscription and marking processing of a main card number are carried out, and then the card code number is sent to a verification server;

The card issuer server may also, but not limited to, send the card code number of the card, the card amount, the subscription number, and the like to the verification server together.

Step S1106: the verification server calls a quick card binding service to carry out quick card binding, and sends the marks of the card code number and the main card number to the user terminal;

step S1107: and the user terminal receives the card code number and the mark of the main card number sent by the verification server and writes the mark into the security chip.

The method for applying the virtual card online enables a user to directly apply the virtual card online when the user is not the first card user without performing offline signing, and directly and quickly binds the card after the card is issued by the card issuer, so that the method has higher convenience and rapidness.

Tenth embodiment

Fig. 13 is a flowchart of a method for applying for a virtual card online according to a tenth embodiment of the present invention. As shown in fig. 13, the method for applying for a virtual card may further include the following steps:

step S1301: according to the obtained payment operation information, after the order is placed by the verification server, receiving an order identification number sent by the verification server;

step S1302: sending the acquired account password and the order identification number to a verification server, so that the verification server finds out the corresponding card code number and the corresponding protocol number and sends the card code number and the protocol number to a card issuing mechanism server after verifying the account password, and the card issuing mechanism server executes money deduction operation;

step S1303: and displaying the payment result.

The method for applying for the virtual card on line provided by the invention enables the user to directly and quickly bind the card after the card is sent by the card issuer, can directly perform on-line consumption, and has higher convenience and rapidness.

Eleventh embodiment

Fig. 14 is a flowchart of a method for applying for a virtual card online according to an eleventh embodiment of the present invention. As shown in fig. 14, the method for applying for a virtual card may further include the following steps:

step S1401: receiving an application protocol data unit instruction sent by a POS machine, and establishing connection with the POS machine;

step S1402: and sending the mark to a card issuing mechanism server through the POS machine so that the card issuing mechanism server converts the mark into a main card number, executes money deduction operation and sends a money deduction result to the POS machine.

The method for applying for the virtual card on line provided by the invention enables the user to directly and quickly bind the card after the card is sent by the card issuer, can directly carry out offline card swiping consumption, and has higher convenience and rapidness.

Twelfth embodiment

As shown in fig. 15, a method for applying for a virtual card online may be applied to the user terminal shown in fig. 2, fig. 3, and fig. 4, where the method for applying for a virtual card online includes the following steps:

step S1501: acquiring a password of an account, and sending the password to a verification server so that the verification server verifies the password;

step S1502: the acquired information of the application card is verified by a verification server and then is sent to a card issuing agency server;

the information of the application card at least comprises any one of a user name and an identification code.

And the card issuing authority server sends the reserved communication number to the verification server when judging that the user is not the first card user, so that the verification server sends verification information to the reserved communication number.

Step S1503: acquiring verification information and sending the verification information input by a user to a verification server;

after verifying the verification information input by the user, the verification server sends the information of the application card to the card issuing mechanism server, so that the card issuing mechanism server obtains the card code number and performs quick signing and marking processing on the main card number after performing pre-verification on the information of the application card, and then sends the card code number and the main card number to the verification server, so that the verification server calls a quick card binding service to perform quick card binding, and sends the marks of the card code number and the main card number to the user terminal;

step S1504: and receiving the marks of the card code number and the main card number sent by the verification server, and writing the marks into the security chip.

In an embodiment of the present invention, the method for applying for a virtual card online may further include:

receiving an instruction strategy of uploading the front and back photos of the identity card, which is sent by the verification server when the card issuing authority server judges that the user is the first card user;

prompting to input positive and negative photos of the identity card according to the received instruction strategy for uploading the positive and negative photos of the identity card, and sending the obtained positive and negative photos of the identity card to the verification server;

after receiving the instruction strategy of the video surface sign sent by the verification server, prompting the user to carry out corresponding operation, and sending the picture intercepted when the user carries out corresponding operation to the verification server, so that the verification server sends the picture intercepted when the user carries out corresponding operation, the positive and negative pictures of the identity card and the information of the application card to a public security department system, so that the public security department system sends the checked identity number to the card issuing mechanism server through the verification server after matching degree grading is carried out on the picture intercepted when the user carries out corresponding operation, the positive and negative pictures of the identity card and the information of the application card, and the card issuing mechanism server obtains the card code number and carries out rapid signing and marking processing of the main card number to the verification server after carrying out prepositive verification on the information of the application card and carrying out reverse checking on the matching degree grading through the checked identity number, enabling the verification server to call a quick card binding service to carry out quick card binding, and sending the card code number and the mark of the main card number to the user terminal;

and receiving the card code number and the mark of the main card number sent by the verification server, and writing the mark into a security chip.

In an embodiment of the present invention, after the step of receiving the card code number and the mark of the master card number sent by the verification server, and writing the mark into the secure chip, the step includes:

according to the obtained payment operation information, after an order is placed by a verification server, an order identification number sent by the verification server is received;

sending the acquired account password and the order identification number to the verification server, so that the verification server finds out a corresponding card code number and a corresponding protocol number and sends the card code number and the protocol number to the card issuing mechanism server after verifying the account password, and the card issuing mechanism server executes money deduction operation;

and displaying the payment result.

receiving an application protocol data unit instruction sent by a POS machine, and establishing connection with the POS machine;

and sending the mark to the card issuing mechanism server through the POS machine so that the card issuing mechanism server converts the mark into a main card number, executes money deduction operation and sends a money deduction result to the POS machine.

The method for applying the virtual card online enables a user to directly apply the virtual card online when the user is a non-first card user or a first card user without performing offline signing, and directly and quickly binds the card after the card is issued by a card issuer, so that the method has higher convenience and rapidness.

It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

Although the present invention has been described with reference to the preferred embodiments, it should be understood that various changes, substitutions and alterations can be made herein without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. A method for applying for a virtual card online is applied to a user terminal, and is characterized in that the method for applying for the virtual card online comprises the following steps:

acquiring a password of an account, and sending the password to a verification server so that the verification server verifies the password; wherein the password is a payment password of a payment application in the user terminal;

the obtained information of the application card is verified by the verification server and then sent to a card issuing agency server so as to

Receiving a command strategy sent by the verification server for uploading the front and back photos of the identity card when the card issuing mechanism server judges that the user is the first card user, or sending verification information to a reserved communication number when the verification server judges that the user is not the first card user;

the information of the application card at least comprises any one of a user name and an identification code; the first card user is a user who does not successfully apply for a virtual card in an issuer; the non-first card user is a user who has successfully applied for a virtual card in the card issuer;

when the instruction strategy for uploading the front and back photos of the identity card is received, prompting to input the front and back photos of the identity card, encrypting the acquired front and back photos of the identity card and then sending the encrypted front and back photos to the verification server;

when receiving a video face-to-face sign instruction strategy sent by the verification server after the verification server acquires the front and back photos of the identity card, prompting the user to do corresponding actions according to an action indication strategy in the video face-to-face sign instruction strategy, sending the intercepted action segments to the verification server, and sending the intercepted action segments to the verification server

Prompting the user to recite the authorization words in a specified time according to the authorization words in the instruction strategy of the video surface sign, sending the recording in which the user recites the authorization words to the verification server so that the verification server sends the action segment, the recording, the positive and negative photos of the identity card and the information of the application card to a public security department system, so that the public security department system sends the checked identity number to the card issuing agency server through the verification server after grading the matching degree of the action segment, the recording, the positive and negative photos of the identity card and the information of the application card, and the card issuing agency server obtains the card code number and carries out quick sign and marking processing of the main card number after carrying out anti-fraud module verification on the information of the application card and grading the matching degree through the checked identity number, sending the card code number and the mark of the main card number to the verification server so that the verification server calls a quick card binding service to carry out quick card binding, and sending the card code number and the mark to the user terminal;

receiving the card code number and the mark sent by the verification server, and writing the mark into a cloud security chip of a remote host based on a card simulation technology of a host;

the password is used for enabling the verification server to determine the bound card code number and send the card code number to the card issuing agency server so as to carry out online payment.

2. The method of claim 1, wherein the method of applying for a virtual card online further comprises:

when receiving the verification information sent by the verification server to the reserved communication number, sending the verification information input by the user to the verification server so as to ensure that the verification server can be used for sending the verification information to the reserved communication number

After verifying the verification information input by the user, the verification server sends the information of the application card to the card issuing mechanism server, so that the card issuing mechanism server obtains the card code number and performs quick signing and marking processing of the main card number after verifying the anti-fraud module of the information of the application card, and sends the card code number and the mark of the main card number to the verification server, so that the verification server calls a quick card binding service to perform quick card binding and sends the card code number and the mark to the user terminal;

and the reserved communication number is sent to the verification server by the card issuing authority server and is sent when the user is judged to be the non-first card user.

3. The method of claim 1 or 2, wherein after the step of receiving the card code and the token sent by the authentication server and writing the token to a cloud security chip hosted remotely based on a card emulation technique of a host, the method further comprises:

according to the obtained payment operation information, after the order is placed by the verification server, receiving an order identification number sent by the verification server;

sending the acquired account password and the order identification number to the verification server so that the verification server searches for a corresponding card code number and a corresponding protocol number after verifying the account password and sends the card code number and the corresponding protocol number to the card issuing agency server, and the card issuing agency server executes money deduction operation;

and displaying the payment result.

4. The method of claim 1 or 2, wherein after the step of receiving the card code and the token sent by the authentication server and writing the token to a cloud security chip hosted remotely based on a card emulation technique of a host, the method further comprises:

and sending the mark to the card issuing mechanism server through the POS machine so that the card issuing mechanism server converts the mark into a main card number and then executes a money deduction operation, and sends a money deduction result to the POS machine.

5. A method for applying for virtual card online is applied among a user terminal, a verification server and a card issuing mechanism server, and is characterized in that the method for applying for virtual card online comprises the following steps:

the user terminal acquires a password of an account and sends the password to the verification server; wherein the password is a payment password of a payment application in the user terminal;

the authentication server authenticates the password;

the user terminal sends the acquired information of the application card to the card issuing authority server after being verified by the verification server, wherein the information of the application card at least comprises any one of a user name and an identification code;

the card issuing authority server judges whether the user is a non-first card user; the non-first card user is a user who has successfully applied for the virtual card in the card issuing bank, and the first card user is a user who has not successfully applied for the virtual card in the card issuing bank;

if the user is the first card user, the verification server sends an instruction strategy for uploading the front and back photos of the identity card to the user terminal;

if the user is the non-first card user, the verification server sends verification information to a reserved communication number;

when the user terminal receives the instruction strategy for uploading the front and back photos of the identity card, the user terminal prompts to input the front and back photos of the identity card, encrypts the acquired front and back photos of the identity card and sends the encrypted front and back photos of the identity card to the verification server;

when the user terminal receives the instruction strategy of the video surface sign sent by the verification server after the verification server acquires the front and back photos of the identity card, the user terminal prompts the user to do corresponding actions according to the action instruction strategy in the instruction strategy of the video surface sign, sends the intercepted action segments to the verification server, and sends the intercepted action segments to the verification server

Prompting the user to recite the authorized characters within a specified time according to the authorized characters in the instruction strategy of the video surface label, and sending a recording of the user reciting the authorized characters to the verification server;

the verification server sends the action fragment, the recording, the front and back photos of the identity card and the information of the application card to a public security department system;

after the public security department system scores the matching degree of the action fragments, the sound recording, the front and back photos of the identity card and the information of the application card, the public security department system sends the standby identity number to the card issuing agency server through the verification server;

the card issuing organization server carries out anti-fraud module verification on the information of the application card, obtains a card code number and carries out quick signing and marking processing of a main card number after the matching degree score is checked back through the check-ready identity number, and sends the card code number and the mark of the main card number to the verification server;

the verification server calls a quick card binding service to carry out quick card binding, and sends the card code number and the mark to the user terminal;

the user terminal receives the card code and the mark sent by the verification server, and writes the mark into a cloud security chip of remote hosting based on a card simulation technology of a host;

6. The method of claim 5, wherein the application for a virtual card is performed by a computer,

before the verification server sends the verification information to the reserved communication number, the verification server also comprises a communication module;

when the card issuing authority server judges that the user is the non-first card user, the card issuing authority server sends a reserved communication number to the verification server;

after the verification server sends the verification information to the reserved communication number, the method further comprises the following steps:

the user terminal acquires the verification information and sends the acquired verification information to the verification server;

after the verification server verifies the acquired verification information, the information of the application card is sent to the card issuing institution server;

the card issuing mechanism server obtains the card code number and carries out quick signing and marking processing of the main card number after carrying out anti-fraud module verification on the information of the application card, and sends the card code number and the mark of the main card number to the verification server.

7. The method of claim 5 or 6, wherein after the step of the user terminal receiving the card code and the token sent by the authentication server and writing the token into a cloud security chip hosted remotely based on a card emulation technique of a host, the method further comprises:

the user terminal receives an order identification number sent by the verification server after the verification server places an order according to the acquired payment operation information;

the user terminal sends the acquired account password and the order identification number to the verification server;

after the verification server verifies the password of the account, searching for the corresponding card code number and protocol number, and sending the card code number and protocol number to the card issuing mechanism server, so that the card issuing mechanism server executes money deduction operation;

and the user terminal displays the payment result.

8. The method of claim 5 or 6, wherein after the step of the user terminal receiving the card code and the token sent by the authentication server and writing the token into a cloud security chip hosted remotely based on a card emulation technique of a host, the method further comprises:

the user terminal receives an application protocol data unit instruction sent by a POS machine and establishes connection with the POS machine;

and the user terminal sends the mark to the card issuing mechanism server through the POS machine so that the card issuing mechanism server converts the mark into a main card number and then executes a money deduction operation, and sends a money deduction result to the POS machine.

9. A user terminal, characterized in that the user terminal comprises:

the first password sending unit is used for receiving a password of an account and sending the password to an authentication server so that the authentication server can authenticate the password; wherein the password is a payment password of a payment application in the user terminal;

the card application information sending unit is used for sending the received information of the application card to the card issuing mechanism server after being verified by the verification server so as to enable the card issuing mechanism server to judge whether the user is a non-first card user; the information of the application card at least comprises any one of a user name and an identification code; the non-first card user is a user who has successfully applied for the virtual card in the card issuing bank, and the first card user is a user who has not successfully applied for the virtual card in the card issuing bank;

an instruction policy receiving unit, configured to receive an instruction policy that the verification server uploads a front-back photo of an identity card when the card issuer server determines that the user is the first card user, or verification information that the verification server sends to a reserved communication number when the card issuer server determines that the user is the non-first card user;

the prompting unit is used for prompting to input the front and back photos of the identity card when the instruction strategy for uploading the front and back photos of the identity card is received;

the photo sending unit is used for encrypting the acquired front and back photos of the identity card and then sending the encrypted front and back photos to the verification server;

the intercepting unit is used for prompting the user to do corresponding action according to an action indication strategy in the video face sign instruction strategy when the video face sign instruction strategy sent after the verification server acquires the front and back photos of the identity card is received, sending the intercepted action segment to the verification server, and sending the intercepted action segment to the verification server

the mark writing unit is used for receiving the card code and the mark sent by the verification server and writing the mark into a cloud security chip of remote hosting based on a card simulation technology of a host;

10. The user terminal of claim 9, wherein the user terminal further comprises:

an authentication information transmitting unit for transmitting the authentication information inputted by the user to the authentication server when receiving the authentication information transmitted to the reserved communication number by the authentication server, so that

After the verification information is verified by the verification server, the information of the application card is sent to the card issuing mechanism server, so that the card issuing mechanism server obtains the card code number and performs quick signing and marking processing of the main card number after the anti-fraud module verification is performed on the information of the application card, and the mark of the card code number and the main card number is sent to the verification server, so that the verification server calls a quick card binding service to perform quick card binding, and sends the card code number and the mark to the user terminal;

11. The user terminal according to claim 9 or 10, wherein the user terminal further comprises:

the ordering unit is used for ordering at the verification server when payment operation information is received;

the order identification number receiving unit is used for receiving the order identification number sent by the verification server;

the second password sending unit is used for sending the acquired account password and the order identification number to the verification server so that the verification server searches for a corresponding card code and a corresponding protocol number after verifying the account password and sends the card code and the corresponding protocol number to the card issuing agency server, and the card issuing agency server executes money deduction operation;

and the payment result display unit is used for displaying the payment result.

12. The user terminal according to claim 9 or 10, wherein the user terminal further comprises:

the application protocol data unit instruction receiving unit is used for receiving an application protocol data unit instruction sent by the POS machine and establishing connection with the POS machine;

and the mark sending unit is used for sending the mark to the card issuing mechanism server through the POS machine so as to enable the card issuing mechanism server to convert the mark into a main card number and then execute a money deduction operation, and send a money deduction result to the POS machine.

13. An online virtual card application system, comprising: a user terminal, a verification server and a card issuing authority server;

the user terminal is used for receiving a password of an account and sending the password to the verification server; wherein the password is a payment password of a payment application in the user terminal;

the authentication server is used for authenticating the password;

the user terminal is also used for sending the information of the application card to the card issuing mechanism server after being verified by the verification server so as to enable the card issuing mechanism server to judge whether the user is a non-first card user; the information of the application card at least comprises any one of a user name and an identification code; the non-first card user is a user who has successfully applied for the virtual card in the card issuing bank, and the first card user is a user who has not successfully applied for the virtual card in the card issuing bank;

the verification server is also used for sending an instruction strategy for uploading the front and back photos of the identity card to the user terminal when the card issuing authority server judges that the user is the first card user;

the verification server is also used for sending verification information to a reserved communication number when the card issuing institution server judges that the user is the non-first card user;

the user terminal is further used for prompting to input the front and back photos of the identity card when receiving the instruction strategy for uploading the front and back photos of the identity card, encrypting the acquired front and back photos of the identity card and then sending the encrypted front and back photos to the verification server;

the user terminal is further used for prompting the user to do corresponding actions according to action indication strategies in the video surface sign instruction strategies when the video surface sign instruction strategies sent by the verification server after the verification server obtains the front and back photos of the identity card are received, sending the intercepted action segments to the verification server, and sending the intercepted action segments to the verification server

the verification server is further used for sending the action section, the recording, the positive and negative photos of the identity card and the information of the application card to a public security department system, so that after the public security department system scores the matching degree of the action section, the recording, the positive and negative photos of the identity card and the information of the application card, the verification server sends the identity number to be checked to the card issuing organization server;

the card issuing mechanism server is also used for obtaining the card code number and carrying out quick signing and marking of the main card number after carrying out anti-fraud module verification on the information of the application card and carrying out back-checking on the matching degree score through the back-checking identity number, and sending the card code number and the mark of the main card number to the verification server;

the verification server is also used for calling a quick card binding service to carry out quick card binding and sending the card code number and the mark to the user terminal;

the user terminal is also used for receiving the card code number and the mark sent by the verification server and writing the mark into a cloud security chip of remote hosting based on a card simulation technology of a host;

14. The system for applying for a virtual card online as recited in claim 13, wherein:

the card issuing authority server is also used for judging whether the user is the non-first card user or not, and sending a reserved communication number to the verification server when the user is the non-first card user;

the user terminal is also used for receiving the verification information and sending the verification information to the verification server;

the verification server is also used for sending the information of the application card to the card issuing institution server after verifying the verification information;

the card issuing mechanism server is also used for obtaining the card code number and carrying out quick signing and marking processing of the main card number after carrying out anti-fraud module verification on the information of the application card, and sending the card code number and the mark of the main card number to the verification server.

15. A system for applying for a virtual card online as claimed in claim 13 or 14, wherein:

the user terminal is further used for receiving the order identification number sent by the verification server after the order is placed by the verification server according to the acquired payment operation information, and sending the account password and the order identification number to the verification server;

the verification server is also used for searching the corresponding card code number and protocol number after the password of the account is verified, and sending the card code number and protocol number to the card issuing mechanism server, so that the card issuing mechanism server executes deduction operation;

the user terminal is also used for displaying the payment result.

16. A system for applying for a virtual card online as claimed in claim 13 or 14, wherein:

the user terminal is also used for receiving an application protocol data unit instruction sent by the POS machine and establishing connection with the POS machine;

the user terminal is also used for sending the mark to the card issuing mechanism server through the POS machine so that the card issuing mechanism server can execute money deduction operation after converting the mark into a main card number and send a money deduction result to the POS machine.

17. A storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements a method of online applying for a virtual card according to any one of claims 1 to 4, or a method of online applying for a virtual card according to any one of claims 5 to 8.