CN101414370A - Payment method, system and payment platform capable of improving payment safety by virtual card - Google Patents
Payment method, system and payment platform capable of improving payment safety by virtual card Download PDFInfo
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- CN101414370A CN101414370A CNA2008101829774A CN200810182977A CN101414370A CN 101414370 A CN101414370 A CN 101414370A CN A2008101829774 A CNA2008101829774 A CN A2008101829774A CN 200810182977 A CN200810182977 A CN 200810182977A CN 101414370 A CN101414370 A CN 101414370A
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Abstract
The invention provides a method of payment utilizing a virtual card to enhance payment safety and a system thereof, wherein, the method of payment includes the following steps : a third-party payment platform is provided; after receiving the application request of virtual card of a user, the third-party payment platform obtains the information of bank card of the user and sends the request of virtual card application to a corresponding issuing bank; the third-party payment platform returns the information of virtual card number sent by the issuing bank to the user; and when the issuing bank receives the request of payment including the information of virtual card number and payment amount, payment is successfully done, provided that the virtual card meets the service regulations of the virtual card and monetary amount on the corresponding bank card is no less than the payment amount. As the payment of the invention is carried out by the virtual card number, information security of the card can be enhanced when the bank card number and password are directly input.
Description
Technical field
The application relates to a kind of method of payment and system, relates in particular to a kind of method of payment and system that utilizes virtual card to improve safety of payment.
Background technology
Along with the fast development of internet with popularize, the B2C ecommerce also grows up thereupon fast, but, its development also has been subjected to the restriction of these bottlenecks of means of payment, with respect to the method for payment in the reality, popular online payment method has following three kinds usually at present: (1) is by bank net system direct payment; (2) pay by third party's payment company; (3) directly importing card number and password on the webpage of e-commerce platform pays.With present technology, the security of preceding two kinds of methods is higher relatively, and at present increasing e-commerce platform begins also to support that the third party pays the modes of payments of company, but still has a lot of e-commerce platforms to adopt above-mentioned the third modes of payments.The third modes of payments is because the user needs the card number and the password of directly input bank when shopping, malicious act on the now network is numerous, whether the client can't discern this shopping website is malice, whether perhaps exist leak might reveal its card number and password, the user's bring certain threat with card is safe so can give.
China Patent No. is that the patent of invention of CN01129250 discloses a kind of electronic business payment system on network and its implementation, and this method comprises the steps:
S101: enterprise integrates multiple commodity or service, sets up the e-commerce platform of selling these commodity or service;
S102: the sequence number that can pay these commodity or service and the password of value of assessment preset in enterprise's distribution, and sequence number, password are stated from certain medium, and medium is done encapsulation process;
S103: the medium that enterprise will encapsulate sequence number, password is issued among the client by marketing channel;
S104: the client orders the goods on the e-commerce platform of enterprise's appointment;
S105: the client fills in the use information on this commodity;
S106: fill in the sequence number that can pay multiple commodity and service and the password that preset value of assessment that enterprise provides;
S107: e-commerce platform charge system program is carried out sequence number, password authentification, the value of the commodity of customer selecting on success back deduction sequence number, the password, and the information that these commodity, service provider are proved to be successful is informed with program in the success back;
S108: commodity, serve the Service Privileges that manufacturer gives the client, the client obtains corresponding commodity or service.
But the online method of payment method of commerce of above-mentioned ecommerce is complicated especially, and does not have versatility and ubiquity.Present transaction is to set out towards convenient, fast, safe direction, the particularly appearance of internet, and having realized staying indoors to buy the very excellent commodity of the ratio of performance to price.Promptly now progressively become main flow by the third modes of payments.Because the user needs the card number and the password of directly input bank when shopping, malicious act on the now network is numerous, whether the client can't discern this shopping website is malice, perhaps whether exist leak might reveal its card number and password, so that can give the user brings certain threat with card safety, particularly causes user's property loss easily.
Summary of the invention
At above-mentioned defective; the application's thought is to provide the method for payment of utilizing virtual card to improve safety of payment, to solve in the prior art on webpage directly input bank's card number and password in order to online payment or handle the defective that other can not protect account number when professional effectively.
Another thought of the application provides a kind of payment system of utilizing virtual card to improve safety of payment, to solve in the prior art on webpage directly input bank's card number and password in order to online payment or handle the defective that other can not protect account number when professional effectively.
The application's the 3rd thought is providing a kind of payment platform.
The application proposes a kind of method of payment of utilizing virtual card to improve safety of payment, in order to improve the security that the user pays by bank card, comprising:
(1) provide the third party payment platform, described third party's payment platform connects the credit card issuer of at least one family bank card by special line or network;
(2) after third party's payment platform receives user's virtual card application request, obtain user's bank card information, and send virtual card application request, comprise bank card information and virtual card service regeulations in the described request to the credit card issuer of correspondence;
(3) when third party's payment platform receives the virtual card number information of having applied for of credit card issuer transmission, be back to the user;
(4) when credit card issuer receives the Payment Request that comprises virtual card number information and payment,, then pay successfully if virtual card satisfies virtual card service regeulations and corresponding payment of bank card rule.
According to the described method of payment of the application's preferred embodiment, the bank card information that obtains the user in the step (2) further comprises: third party's payment platform stores the bank card information with this user binding in advance, when receiving virtual card application request, determine to send this virtual card application requesting users, find the bank card information of this user binding.
According to the described method of payment of the application's preferred embodiment, the bank card information that step (2) obtains the user further comprises: the virtual card application request that is sent by the user that third party's payment platform receives therefrom comprises bank card and encrypted message thereof, when third party's payment platform receives described virtual card application request, therefrom parse bank card and encrypted message.
According to the described method of payment of the application's preferred embodiment, also comprise: include the virtual card service regeulations in the virtual card application request that third party's payment platform receives by user's transmission, perhaps, pre-set some virtual card service regeulations templates on third party's payment platform, the virtual card service regeulations template that the reception user selectes is as the virtual card service regeulations.
According to the described method of payment of the application's preferred embodiment, also comprise: third party's payment platform receives the request of the modification virtual card service regeulations of user's selection, and the request of described modification virtual card service regeulations is sent to corresponding credit card issuer; Whether successful result is sent to corresponding user in the modification that third party's payment platform returns credit card issuer.
According to the described method of payment of the application's preferred embodiment, described virtual card service regeulations further comprise: comprise the condition for validity of the described virtual card use that its access times limit and/or limit service time, the corresponding password setting situation of virtual card.
The application proposes the payment system that a kind of raising utilizes virtual card raising safety of payment, comprises the credit card issuer of third party's payment platform and at least one family bank card,
Described third party's payment platform further comprises payment platform server and payment platform database, wherein, described payment platform server comprises at least: the user interface process unit: receive the various requests that comprise virtual card application request that the user sends, and the result of this platform is back to the user; Credit card issuer interface processing unit: in order to the signatory credit card issuer of each family and this third party's payment platform set up mutual, be sent to corresponding credit card issuer comprise virtual card application request in interior various requests, receive virtual card application success in interior result; Virtual card Service Processing Unit: be connected to user interface process unit and credit card issuer interface processing unit, when being used to receive virtual card application request, obtain user's bank card information and virtual card service regeulations, and find corresponding credit card issuer information by bank card information, form virtual card application request message and be sent to corresponding credit card issuer by described credit card issuer interface processing unit;
The payment platform database further comprises: be used to preserve all situations of user and corresponding virtual card application/modification the virtual card record storage unit, be used to preserve the bank card credit card issuer storage unit corresponding with selling information, be used to preserve the user property storage unit of user profile;
Described credit card issuer further comprises credit card issuer database and issuers server, wherein, the credit card issuer database further comprises card mapping table, bank card property store unit and the bank card business dealing record storage unit of bank card and virtual card binding, described issuers server further comprises: the bank authentication unit: receive the various applications that comprise virtual card application request that third party's payment platform sends, and the bank card information in this application is mated authentication; Virtual card generation unit: in order to handle virtual card application request, produce virtual card, and this virtual card information is sent to third party's processing platform by the authentication of bank authentication unit; Transaction processing unit: the Payment Request that comprises virtual card information and payment in order to processing, before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, and the feedback processing situation.
The application proposes a kind of method of payment of utilizing virtual card to improve safety of payment again, in order to improve the security that the user pays by bank card, comprising:
(1) credit card issuer of bank card receives the virtual card application request that the user sends, and comprises bank card information and virtual card service regeulations in the described request;
(2) after this credit card issuer is received user's virtual card application request, this bank card information is authenticated, and, return virtual card number then to the user according to produce virtual card number and registration virtual card service regeulations by the request after the authentication;
(3) when credit card issuer receives the Payment Request that comprises virtual card number information and payment,, then pay successfully if virtual card satisfies virtual card service regeulations and corresponding payment of bank card rule.
The application reintroduces a kind of payment system of utilizing virtual card to improve safety of payment, comprises the credit card issuer of at least one family bank card,
This credit card issuer further comprises credit card issuer database and issuers server, wherein, the credit card issuer database further comprises card mapping table, bank card property store unit and the bank card business dealing record storage unit of bank card and virtual card binding, and described issuers server further comprises:
The bank authentication unit: what receive user's transmission comprises virtual card application request in interior various applications, and the bank card information in this application is mated authentication; Virtual card generation unit: in order to handle virtual card application request, produce virtual card, and this virtual card information is sent to the user by the authentication of bank authentication unit; Transaction processing unit: the Payment Request that comprises virtual card information and payment in order to processing, before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, and the feedback processing situation.
The application reintroduces a kind of payment platform, and it comprises payment platform server and payment platform database, and wherein, the payment platform server comprises at least:
The user interface process unit: what receive user's transmission comprises virtual card application request in interior various requests, and the result of this platform is back to the user;
Credit card issuer interface processing unit: set up in order to the signatory credit card issuer of each family and this third party's payment platform mutual, be sent to corresponding credit card issuer comprise virtual card application request in interior various requests, receive virtual card application success in interior result;
Virtual card Service Processing Unit: be connected to user interface process unit and credit card issuer interface processing unit, when being used to receive virtual card application request, obtain user's bank card information and virtual card service regeulations, and find corresponding credit card issuer information by bank card information, form virtual card application request message and be sent to corresponding credit card issuer by described credit card issuer interface processing unit;
The payment platform database further comprises: be used to preserve all situations of user and corresponding virtual card application/modification the virtual card record storage unit, be used to preserve the bank card credit card issuer storage unit corresponding with selling information, be used to preserve the user property storage unit of user profile.Compared with prior art, the application has the following advantages:
(1) user has customized the virtual card number of service regeulations by third party's platform to bank's application, and utilizes this virtual card number to consume to each e-commerce platform, can effectively ensure user's interests, reduces client's loss.
(2) stolen when virtual card number and password, it is by the service regeulations of predefined virtual card, as preestablishes access times and use limit (as 500 yuan), loss can be limited to the scope that the user can control.
(3) in the prior art after bank card information is stolen, need to report the loss processing to the site or by modes such as phones, the site of most credit card issuers is not 24 HOUR ACCESS, so report the loss life period and geographic limited by the site, if report the loss by liaison mode, the existence of the phone of existing every family credit card issuer is not easy to throw into and adopt telephone system to have the problem of delaying of handling.And the present invention can the time report the loss processing by network implementation reality by third party's payment platform, and processing speed is very fast, has reduced the time that the user loses finance.
(4) virtual card provided by the invention not only can use on network, can also under traditional environment, use, the generation of virtual card can be adopted the producing method of traditional bank's card number, be the credit card issuer information that at least also includes in the virtual card number, particularly work as the user under some strange mistrustful environment, use this virtual card to consume, can reduce user's loss, thereby improve the security of user's bank card.Certainly, the most normal suitable environment of the present invention is a network trading.
(5) this scheme does not need each trade company to do any change, only needs third party's platform and interbank to change to some extent and gets final product, and has general applicability.
Need to prove that above-mentioned enforcement arbitrary product of the present invention not necessarily needs to reach simultaneously above-described all advantages.
Description of drawings
Fig. 1 utilizes virtual card to improve the structural drawing of the system of safety of payment for the application is a kind of;
Fig. 2 is the structural drawing of the application's one third party's payment platform;
Fig. 3 is the structural drawing of the application's one credit card issuer;
Fig. 4 utilizes virtual card to improve the process flow diagram of the method for payment of safety of payment for the application is a kind of;
Fig. 5 improves the structural drawing of the payment system of safety of payment for the application's another kind utilizes virtual card;
Fig. 6 is the structural drawing of another credit card issuer of the application;
Fig. 7 improves the process flow diagram of the method for payment of safety of payment for the application's another kind utilizes virtual card.
Embodiment
The application's core is: the user applies for virtual card number and password by third party's payment platform to bank, and to this virtual card number and password customization service regeulations, the virtual card number and the password that will obtain are then consumed, because what the user used is virtual card number and password, and also customized various service regeulations on this card number and the password, so can reduce the loss that the user suffers owing to various malicious acts on the network to greatest extent.The described third party's payment platform of the application, be some and both at home and abroad each big bank contract, possess the transaction payment platform that third party's independent agency of certain strength and prestige guarantee provides, such as Alipay, it can bind the bank card information of user under it.
Below in conjunction with accompanying drawing, specify the application.
First embodiment
The application proposes a kind of payment system of utilizing virtual card to improve safety of payment, sees also Fig. 1, and it is a kind of structural drawing that utilizes virtual card to improve the payment system of safety of payment of the application.This payment system comprises the credit card issuer 130 and the trade company 140 of user 110, third party's payment platform 120, at least one family bank card, wherein, third party's payment platform 120 links to each other by the credit card issuer 130 of special line or network and at least one family bank card, trade company 140 equally also links to each other with this credit card issuer 130 by special line or network, and user 110 then can be connected to third party's payment platform 120 and trade company 140 respectively.
This third party's payment platform 120 further comprises payment platform server 121 and payment platform database 122 (seeing also Fig. 2), and wherein, payment platform server 121 comprises at least:
User interface process unit 1211: it is asked in interior various requests in order to the virtual card application/modification that comprises that receives user's 110 transmissions, and the result of this platform is back to user 110;
Credit card issuer interface processing unit 1213:, be sent to credit card issuer 130 and comprise virtual card application/modifications request in interior various requests, reception virtual card application/revise successfully in interior result in order to set up alternately with the signatory credit card issuer 130 of each family and this third party's payment platform 120;
Virtual card Service Processing Unit 1212: be connected to user interface process unit 1211 and credit card issuer interface processing unit 1213, when it is used to receive virtual card application/modification request, obtain user 110 bank card information and virtual card service regeulations, and find corresponding credit card issuer information by the BIN sign indicating number of analyzing in this bank card information, form virtual card application/modification request message and be sent to corresponding credit card issuer, comprised bank card information and virtual card service regeulations information in this virtual card application/modification request message by described credit card issuer interface processing unit.
User interface process unit 1211, credit card issuer interface processing unit 1213 and virtual card Service Processing Unit 1212 can be hardware, also can be software.Preferably be arranged on the logical block on the processor in the server in this example, the software that promptly is commonly called as.
Virtual card record storage unit 1221 and credit card issuer storage unit 1222 and user property storage unit 1223 are logical blocks, are the logical blocks that is solidificated in the storer.Credit card issuer storage unit 1222 is mainly used in the signatory with it credit card issuer sign of storage and the corresponding relation of credit card issuer, and the sign of described credit card issuer is meant that the PIN code fixed position is used to identify the numeral of credit card issuer.
This credit card issuer 130 further comprises credit card issuer database 131 and issuers server 132 (seeing also Fig. 3).Wherein, credit card issuer database 131 further comprises: in order to the card mapping table 1311 that the virtual card number that will produce and true bank card number are bound mutually, comprise in order to the storage bank card user name, card number and password various attributes bank card property store unit 1312 and in order to the bank card business dealing record storage unit 1313 of storage bank card business dealing record and remaining sum.Issuers server 132 further comprises:
Bank authentication unit 1321: it is asked in interior various applications in order to the virtual card application/modification that comprises that receives 120 transmissions of third party's payment platform, and the bank card information in this application is mated authentication according to the information in the bank card property store unit 1312;
Virtual card generation unit 1322: in order to handle virtual card application/modification request by 1321 authentications of bank authentication unit, according to virtual card application request by authentication, produce a virtual card number, include in this virtual card number in order to discern the BIN sign indicating number of this credit card issuer, simultaneously should virtual card number and the card number binding of true bank, and write card mapping table 1311, then the virtual card service regeulations in the virtual card application request are registered, should be sent to third party's processing platform 120 by virtual card number information at last; And for revising request by the virtual card of authentication, then the virtual card service regeulations of previous registration are made amendment, and the result is fed back to third party's processing platform 120.
Transaction processing unit 1323: in order to handle the Payment Request that comprises virtual card number information and payment that trade company transmits, before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, and the feedback processing situation.
Based on above-mentioned payment system, the application proposes a kind of method of payment of utilizing virtual card to improve safety of payment, in order to improve the security that the user pays by bank card, sees also Fig. 4, and it is the process flow diagram of a kind of method of payment of the application.
This method of payment comprises the steps:
S401, the third party is provided payment platform, this third party's payment platform connects the credit card issuer of at least one family bank card by special line or network, itself and this hair fastener behavior contract signing relationship, this credit card issuer can provide a series of business processing for this third party's payment platform, comprises the virtual card application business that the application is involved.
The 3rd payment platform provides virtual card application business for the user, and it can link to each other with the user by the internet, and certainly, the user also can directly arrive the set agency of this third party's payment platform application virtual card application business.The user is generally the registered user of this third party's payment platform, and the user can bind one has the bank card of contract signing relationship bank with third party's payment platform, and certainly, the user is only registration and do not bind bank card also.With third party's payment platform Alipay is example, and existing Alipay user has the bank card information with its binding usually.
S402, third party's payment platform receives virtual card application request and the virtual card service regeulations that the user sends.These virtual card service regeulations can be by the pre-set template of third party's payment platform, as required template is selected in application for the user then, equally, these virtual card service regeulations also can be freely to be set when applying for by the user, certainly, this freely the setting also is can be limited within certain scope.According to practical application, these virtual card service regeulations can comprise generally that the virtual card access times limit and/or the setting of the virtual card condition for validity that limit service time, the corresponding password setting situation of virtual card etc., can select in following proposal such as the virtual card condition for validity:
(a) according to access times;
(b) press the virtual card effective storage life:
(b1) current effective to the N time period;
(b2) later A time to the B time period is effective;
(b3) section cycling time of appointment is effective;
(c) manual-lock virtual card.
And the corresponding password setting of virtual card can be selected in following proposal:
I. former bank card password;
Ii. specify the virtual card password;
Iii. there is not password;
Iiii. any password;
After third party's payment platform receives user's virtual card application request, judge whether this user has the bank card information of binding, if this user has set bank card information with this user binding at third party's payment platform in advance, then third party's payment platform reads out this bank card information after receiving virtual card application request; If this user does not preestablish the binding bank card information, but filled in bank's card number and encrypted message in the lump when filing an application to ask, then third party's payment platform therefrom parses bank card information.The card number of bank card is the number of sign card sending mechanism and cardholder information, it is made up of following three parts: Bank Identification Number (BIN sign indicating number), the self-defined position of credit card issuer and check code, third party's payment platform can judge whether this bank card is signatory bank by the BIN sign indicating number, after third party's payment platform determines that this bank is for signatory bank, identify credit card issuer under the bank card according to the BIN sign indicating number, and, comprise bank card information and virtual card service regeulations in this virtual card application request to this credit card issuer transmission virtual card application request.If this third party's payment platform judges that this bank card is that non-signatory bank then returns error message to user side.
S403, credit card issuer verify the bank card information that comprises in this request after receiving virtual card application request, concrete verification mode can by checking BIN sign indicating number whether be one's own profession number, check that check code judges whether pseudo-card, coupling card number password etc.Credit card issuer generates a virtual card number at random according to the virtual card application request by checking, also can include in this virtual card number in order to discern the number (being similar to the BIN sign indicating number) of bank under this virtual card, and should virtual card number and bank's card number bound and write a card mapping table, credit card issuer is sent to third party's payment platform with this virtual card information then.
Third party's payment platform is back to the user with the virtual card information that receives.
S404, this virtual card information of utilizing that the transaction system reception user of trade company sends is carried out the request of transaction payment, this user's the modes of payments is modal to be exactly directly to import virtual card number and password on the page that various trade companies provide, certainly, the user also can input virtual card number and password in transaction place face to face.After the merchant transaction system receives Payment Request, judge credit card issuer under this card number, and the related service request is sent to this correspondence credit card issuer together with virtual card number and password according to the BIN sign indicating number of virtual card number.When credit card issuer receives the Payment Request that comprises virtual card number information and payment, earlier the service regeulations of this virtual card are verified, the use of investigating this virtual card number whether remain valid and password whether correct, if there is one incorrectly then to return error message to commerce system.After the checking of virtual card service regeulations, this credit card issuer should be translated into true card number by virtual card number according to the card mapping table that step S403 sets up, and this related service request handled, this moment is if this bank card account satisfies the bank card payment rule, then pay successfully, otherwise the information of returning payment failure is to commerce system.
This bank card payment rule generally is a same regulation in the banking industry, and part also can be this bank's special provision.Such as, if this bank card is common debit card, the bank card that does not promptly have the overdraw function, then the payment of bank card rule comprises that at least the amount of money of the bank card of virtual card correspondence is not less than payment, if this bank card is a credit card, then the payment of bank card rule comprises the service regeulations of the credit card that satisfies this virtual card correspondence at least.
When third party's payment platform receives the user need make amendment to its virtual card service regeulations of applying for the time, can make amendment as follows:
S501, third party's payment platform receive the user and send virtual card modification request, and same, the user can select in the template that third party's payment platform provides, and also can freely set service regeulations again;
S502, third party's payment platform is revised request according to this virtual card, reads out this user's bank card and encrypted message, and the request that will revise the virtual card service regeulations is sent to the credit card issuer of correspondence together with bank card and encrypted message;
S503, credit card issuer authenticates bank card information, if authentication is passed through, then revises the virtual card service regeulations of previous registration, and returns and revise successful information to third party's payment platform;
S504, third party's payment platform return and revise successful information to the user.
Above-mentioned first embodiment, it is a most preferred embodiment of the present invention by online payment.
Second embodiment
The application proposes another kind again and utilizes virtual card to improve the payment system of safety of payment, see also Fig. 5, it is the structural drawing of the application's another kind of online payment system, this online payment system comprises the credit card issuer 520 and the trade company 530 of user 510, at least one family bank card, wherein connect by special line or network between credit card issuer 520 and the trade company 530, user 510 then can be connected to credit card issuer 520 and trade company 530 respectively.
Bank authentication unit 5221: it is asked in interior various applications in order to the virtual card application/modification that comprises that receives user's 510 transmissions, and the bank card information in this application is mated authentication according to the information in the bank card property store unit 5212;
Virtual card generation unit 5222: in order to handle virtual card application/modification request by 5221 authentications of bank authentication unit, according to virtual card application request by authentication, produce a virtual card number, include in this virtual card number in order to discern the BIN sign indicating number of this credit card issuer, simultaneously should virtual card number and the card number binding of true bank, and write card mapping table 5211, and then the virtual card service regeulations in this application are enrolled, should be sent to user 510 by virtual card number information at last; And for revising request by the virtual card of authentication, then previous registration virtual card service regeulations are made amendment, and the result is fed back to user 510.
Transaction processing unit 5223: in order to handle the Payment Request that comprises virtual card number information and payment that trade company 530 transmits, and before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, then the feedback processing situation.
Another improves online payment safe payment method based on said system the application, carry out the security of online payment by bank card in order to the raising user, see also Fig. 7, it is the process flow diagram of the another kind of method of payment of the application, and this method of payment comprises the steps:
S701, the credit card issuer of bank card receives the virtual card application request that the user sends, this virtual card application can be that the user applies at the application page that credit card issuer provides by the internet, simultaneously, also can be the user applies for to the business office of credit card issuer, comprises bank card information and virtual card service regeulations in this virtual card application request.According to practical application, these virtual card service regeulations can comprise generally that the virtual card access times limit and/or the setting of the virtual card condition for validity that limit service time, the corresponding password setting situation of virtual card etc., can select in following proposal such as the virtual card condition for validity:
(a) according to access times;
(b) press the virtual card effective storage life:
(b1) current effective to the N time period;
(b2) later A time to the B time period is effective;
(b3) section cycling time of appointment is effective;
(c) manual-lock virtual card.
And the corresponding password setting of virtual card can be selected in following proposal:
I. former bank card password;
Ii. specify the virtual card password;
Iii. there is not password;
Iiii. any password;
S702, after credit card issuer receives user's virtual card application request, the bank card information that comprises in this request is verified, concrete verification mode can by checking BIN sign indicating number whether be one's own profession number, check that check code judges whether pseudo-card, coupling card number password etc.Credit card issuer generates a virtual card number according to the virtual card application request by checking, also can include in this virtual card number in order to discern the number (being similar to the BIN sign indicating number) of bank under this virtual card, and should virtual card number and bank's card number bound and write a card mapping table, credit card issuer sends to the user with this virtual card information then.
S703, this virtual card information of utilizing that the transaction system reception user of trade company sends is carried out the request of transaction payment, this user's the modes of payments is modal to be exactly directly to import virtual card number and password on the page that various trade companies provide, certainly, the user also can input virtual card number and password in transaction place face to face.After the merchant transaction system receives this Payment Request, judge credit card issuer under this card number, and the related service request is sent to this correspondence credit card issuer together with virtual card number and password according to the BIN sign indicating number of virtual card number.When credit card issuer receives the Payment Request that comprises virtual card number information and payment, earlier the service regeulations of this virtual card are verified, the use of investigating this virtual card number whether remain valid and password whether correct, if there is one incorrectly then to return error message to commerce system.After the checking of virtual card service regeulations, this credit card issuer should be translated into true card number by virtual card number according to the card mapping table that step S702 sets up, and this related service request handled, this moment is if this bank card account satisfies the bank card payment rule, then pay successfully, otherwise the information of returning the payment failure is to commerce system, and this bank card payment rule generally is a same regulation in the banking industry, and part also can be this bank's special provision.
When credit card issuer receives the user need make amendment to its virtual card service regeulations of applying for the time, can make amendment as follows:
S801, credit card issuer receive the virtual card modification request that the user sends;
After S802, credit card issuer receive this request, should be converted to true card number by virtual card number, and if change successfully, then revise the virtual card service regeulations of previous registration, and return and revise successful information to the user.
The 3rd embodiment
The application has reintroduced a kind of payment platform, and it can receive the request of user applies virtual card, and is the user applies virtual card to corresponding bank, and its structure is as third party's payment platform among first embodiment identical (promptly shown in Figure 2).This third party's payment platform 120 further comprises payment platform server 121 and payment platform database 122 (seeing also Fig. 2), and wherein, payment platform server 121 comprises at least:
User interface process unit 1211: it is asked in interior various requests in order to the virtual card application/modification that comprises that receives user's 110 transmissions, and the result of this platform is back to user 110;
Credit card issuer interface processing unit 1213:, be sent to credit card issuer 130 and comprise virtual card application/modifications request in interior various requests, reception virtual card application/revise successfully in interior result in order to set up alternately with the signatory credit card issuer 130 of each family and this third party's payment platform 120;
Virtual card Service Processing Unit 1212: be connected to user interface process unit 1211 and credit card issuer interface processing unit 1213, when it is used to receive virtual card application/modification request, obtain user 110 bank card information and virtual card service regeulations, and find corresponding credit card issuer information by the BIN sign indicating number of analyzing in this bank card information, form virtual card application/modification request message and be sent to corresponding credit card issuer, comprised bank card information and virtual card service regeulations information in this virtual card application/modification request message by described credit card issuer interface processing unit.
User interface process unit 1211, credit card issuer interface processing unit 1213 and virtual card Service Processing Unit 1212 can be hardware, also can be software.Preferably be arranged on the logical block on the processor in the server in this example, the software that promptly is commonly called as.
Virtual card record storage unit 1221 and credit card issuer storage unit 1222 and user property storage unit 1223 are logical blocks, are the logical blocks that is solidificated in the storer.Credit card issuer storage unit 1222 is mainly used in the signatory with it credit card issuer sign of storage and the corresponding relation of credit card issuer, and the sign of described credit card issuer is meant that BIN sign indicating number fixed position is used to identify the numeral of credit card issuer.
The alleged online payment method of the application not only comprises payment, business such as also comprise account transfer, mortgage, freeze.So compared with prior art, the application has the following advantages:
1, the user has customized the virtual card number of service regeulations by third party's platform to bank's application, and utilizes this virtual card number to consume to each e-commerce platform, can effectively ensure user's interests, reduces client's loss.
2, this scheme does not need each trade company to do any change, only needs third party's platform and interbank to change to some extent and gets final product, and has general applicability.
More than disclosed only be several specific embodiment of the present invention, but the present invention is not limited thereto, any those skilled in the art can think variation, all should drop in protection scope of the present invention.
Claims (14)
1, a kind of method of payment of utilizing virtual card to improve safety of payment in order to improve the security that the user pays by bank card, comprising:
(1) provide the third party payment platform, described third party's payment platform connects the credit card issuer of at least one family bank card by special line or network, and the user is connected to described third party's payment platform by network;
(2) after third party's payment platform receives user's virtual card application request, obtain user's bank card information, and send virtual card application request, comprise bank card information and virtual card service regeulations in the described request to the credit card issuer of correspondence;
(3) when third party's payment platform receives the virtual card number information of having applied for of credit card issuer transmission, be back to the user;
(4) when credit card issuer receive that the user sends comprise the Payment Request of virtual card number information and payment the time, if virtual card satisfies virtual card service regeulations and corresponding payment of bank card rule, then pay successfully.
2, the method for claim 1 is characterized in that, the bank card information that obtains the user in the step (2) further comprises:
Store the bank card information with this user binding on third party's payment platform in advance, when receiving virtual card application request, determine to send this virtual card application requesting users, find the bank card information of this user binding.
3, the method for claim 1 is characterized in that, the bank card information that step (2) obtains the user further comprises:
Comprise bank card and encrypted message thereof in the virtual card application request that sends by the user that third party's payment platform is received, when third party's payment platform receives described virtual card application request, therefrom parse bank card and encrypted message.
4, the method for claim 1 is characterized in that, also comprises:
Include the virtual card service regeulations in the virtual card application request that third party's payment platform is received by user's transmission, perhaps,
Pre-set some virtual card service regeulations templates on third party's payment platform, the virtual card service regeulations template that the reception user selectes is as the virtual card service regeulations.
5, the method for claim 1 is characterized in that, also comprises:
Third party's payment platform receives the request of the modification virtual card service regeulations of user's selection, and the request of described modification virtual card service regeulations is sent to corresponding credit card issuer;
Whether successful result is sent to corresponding user in the modification that third party's payment platform returns credit card issuer.
6, the method for claim 1 is characterized in that,
Described virtual card service regeulations further comprise: comprise the condition for validity of the described virtual card use that its access times limit and/or limit service time, the corresponding password setting situation of virtual card.
7, the method for claim 1 is characterized in that, step also comprises in (2):
After credit card issuer receives virtual card application request, therefrom parse corresponding bank card information and virtual card service regeulations;
Bank card that described bank card information and local terminal are preserved in advance and corresponding password are checked;
Check successfully the back and generate virtual card according to preset rule, and the corresponding relation and the virtual card service regeulations of preserving this bank card and virtual card at local terminal, the card number of described virtual card is preserved the identifying information of this credit card issuer;
Credit card issuer is back to corresponding third party's payment platform with the virtual card information or the not successful result of request of described generation.
8, the method for claim 1 is characterized in that, virtual card satisfies corresponding payment of bank card rule and comprises that further the amount of money of the bank card of virtual card correspondence is not less than payment.
9, a kind of payment system of utilizing virtual card to improve safety of payment is characterized in that, comprises the credit card issuer of third party's payment platform and at least one family bank card,
Described third party's payment platform further comprises payment platform server and payment platform database, and wherein, described payment platform server comprises at least:
The user interface process unit: what receive user's transmission comprises virtual card application request in interior various requests, and the result of this platform is back to the user;
Credit card issuer interface processing unit: set up in order to the signatory credit card issuer of each family and this third party's payment platform mutual, be sent to corresponding credit card issuer comprise virtual card application request in interior various requests, receive virtual card application success in interior result;
Virtual card Service Processing Unit: be connected to user interface process unit and credit card issuer interface processing unit, when being used to receive virtual card application request, obtain user's bank card information and virtual card service regeulations, and find corresponding credit card issuer information by bank card information, form virtual card application request message and be sent to corresponding credit card issuer by described credit card issuer interface processing unit;
The payment platform database further comprises: be used to preserve all situations of user and corresponding virtual card application/modification the virtual card record storage unit, be used to preserve the bank card credit card issuer storage unit corresponding with selling information, be used to preserve the user property storage unit of user profile;
Described credit card issuer further comprises credit card issuer database and issuers server, wherein, the credit card issuer database further comprises card mapping table, bank card property store unit and the bank card business dealing record storage unit of bank card and virtual card binding, and described issuers server further comprises:
The bank authentication unit: what receive the transmission of third party's payment platform comprises virtual card application request in interior various applications, and the bank card information in this application is mated authentication;
Virtual card generation unit: in order to handle virtual card application request, produce virtual card, and this virtual card information is sent to third party's processing platform by the authentication of bank authentication unit;
Transaction processing unit: the Payment Request that comprises virtual card information and payment in order to processing, before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, and the feedback processing situation.
10, a kind of method of payment of utilizing virtual card to improve safety of payment in order to improve the security that the user pays by bank card, comprising:
(1) credit card issuer of bank card receives the virtual card application request that the user sends, and comprises bank card information and virtual card service regeulations in the described request;
(2) after this credit card issuer is received user's virtual card application request, this bank card information is authenticated, the virtual card number of generation after authentication is passed through returns virtual card number then to the user;
(3) when this credit card issuer receives the Payment Request that comprises virtual card number information and payment,, then pay successfully if virtual card satisfies the payment rule on virtual card service regeulations and the corresponding bank card.
11, method as claimed in claim 10 is characterized in that, step (2) is specially:
After credit card issuer receives virtual card application request, therefrom parse corresponding bank card information and virtual card service regeulations;
Bank card that described bank card information and local terminal are preserved in advance and corresponding password are checked;
Check successfully the back and generate virtual card according to preset rule, and the corresponding relation and the virtual card service regeulations of preserving this bank card and virtual card at local terminal, the card number of described virtual card is preserved the identifying information of this credit card issuer;
Credit card issuer is back to corresponding third party's payment platform with the virtual card information or the not successful result of request of described generation.
12, method as claimed in claim 10 is characterized in that,
Described virtual card service regeulations further comprise: comprise the condition for validity of the described virtual card use that its access times limit and/or limit service time, the corresponding password setting situation of virtual card;
Virtual card satisfies corresponding payment of bank card rule and comprises that further the amount of money of the bank card of virtual card correspondence is not less than payment.
13, a kind of payment system of utilizing virtual card to improve safety of payment is characterized in that, comprises the credit card issuer of at least one family bank card,
Described credit card issuer further comprises credit card issuer database and issuers server, wherein, the credit card issuer database further comprises card mapping table, bank card property store unit and the bank card business dealing record storage unit of bank card and virtual card binding, and described issuers server further comprises:
The bank authentication unit: what receive user's transmission comprises virtual card application request in interior various applications, and the bank card information in this application is mated authentication;
Virtual card generation unit: in order to handle virtual card application request, produce virtual card, and this virtual card information is sent to the user by the authentication of bank authentication unit;
Transaction processing unit: the Payment Request that comprises virtual card information and payment in order to processing, before request is handled, earlier the virtual card service regeulations are verified, be proved to be successful the back and Payment Request handled satisfying under the prerequisite that the amount of money on the bank card is not less than payment, and the feedback processing situation.
14, a kind of payment platform is characterized in that, comprises payment platform server and payment platform database, and wherein, described payment platform server comprises at least:
The user interface process unit: what receive user's transmission comprises virtual card application request in interior various requests, and the result of this platform is back to the user;
Credit card issuer interface processing unit: set up in order to the signatory credit card issuer of each family and this third party's payment platform mutual, be sent to corresponding credit card issuer comprise virtual card application request in interior various requests, receive virtual card application success in interior result;
Virtual card Service Processing Unit: be connected to user interface process unit and credit card issuer interface processing unit, when being used to receive virtual card application request, obtain user's bank card information and virtual card service regeulations, and find corresponding credit card issuer information by bank card information, form virtual card application request message and be sent to corresponding credit card issuer by described credit card issuer interface processing unit;
The payment platform database further comprises: be used to preserve all situations of user and corresponding virtual card application/modification the virtual card record storage unit, be used to preserve the bank card credit card issuer storage unit corresponding with selling information, be used to preserve the user property storage unit of user profile.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101829774A CN101414370A (en) | 2008-12-15 | 2008-12-15 | Payment method, system and payment platform capable of improving payment safety by virtual card |
| TW098122110A TW201023067A (en) | 2008-12-15 | 2009-06-30 | Payment method, system and payment platform capable of improving payment safety by virtual card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101829774A CN101414370A (en) | 2008-12-15 | 2008-12-15 | Payment method, system and payment platform capable of improving payment safety by virtual card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101414370A true CN101414370A (en) | 2009-04-22 |
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ID=40594897
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008101829774A Pending CN101414370A (en) | 2008-12-15 | 2008-12-15 | Payment method, system and payment platform capable of improving payment safety by virtual card |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN101414370A (en) |
| TW (1) | TW201023067A (en) |
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