CN105590214A - Payment method and payment system based on virtual card - Google Patents

Payment method and payment system based on virtual card Download PDF

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Publication number
CN105590214A
CN105590214A CN201410845210.0A CN201410845210A CN105590214A CN 105590214 A CN105590214 A CN 105590214A CN 201410845210 A CN201410845210 A CN 201410845210A CN 105590214 A CN105590214 A CN 105590214A
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China
Prior art keywords
virtual card
account
information
card
app
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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CN201410845210.0A
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Chinese (zh)
Inventor
丁林润
肖波
孟宏文
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication date
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Priority to CN201410845210.0A priority Critical patent/CN105590214A/en
Publication of CN105590214A publication Critical patent/CN105590214A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a payment method based on a virtual card. The method comprises a virtual card issuance step, a virtual card activation step and a virtual card payment step. In the virtual card payment step, an APP calculates the authorization information of a virtual card of a consumer, the mobile terminal of an acceptor acquires the authorization information of the virtual card of the consumer and virtual card information, the acceptor sends the acquired virtual card information and consumption information and the account information of the acceptor to an account issuer of the consumer through a transit network, the account issuer verifies the virtual card information and the consumption information, and transaction is completed and the transaction result is sent to the payment transit network after the virtual card information and the consumption information pass verification. According to the invention, the virtual card can replace actual cards, and the security of payment is improved.

Description

A kind of method of payment of virtual card and payment system
Technical field
The present invention relates to Computer Applied Technology field, relate to especially a kind of method of payment and payment system based on virtual card.
Background technology
Along with the fast development of internet and ecommerce, increasing enterprise or individual start to commence business on the net, and this greatly facilitates the public, home-confined various services and the information just can enjoyed. Conventionally holder uses bank card to carry out online payment in online acceptance service or information, need to input bank card number and password. This means of payment exists certain potential safety hazard, may be obtained and usurp by the third party at online transmission credit card and password, causes user's fund loss.
On the other hand, along with the development of intelligent terminal, the method for payment of carrying out based on intelligent terminal is also more and more popularized, and a lot of intelligent terminals also can pay by participation network.
But, nowadays on network, malicious act is numerous, no matter utilizes bank card number and password or utilizes intelligent terminal to carry out network trading, is all likely stolen account number by lawless person, understand the certain threat with cassette tape to user, easily cause user's property loss.
Summary of the invention
In view of the above problems, the present invention aims to provide a kind of payment system based on virtual card and method of payment that does not need entity card just can realize payment.
Further, the present invention aims to provide a kind of payment system based on virtual card and method of payment of the security of can more effectively guaranteeing payment.
Method of payment based on virtual card of the present invention, is characterized in that, comprises the steps:
Virtual card distribution steps, be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to described adeditive attribute information;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code and adeditive attribute information and asks to Activate Account, the checking of account issuers, send active coding to mobile terminal in the case of passing through, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of consumer's virtual card, authorization message and the consumption information of receiving party's acquisition for mobile terminal consumer's virtual card, receiving party will send to consumer's account issuers together with the authorization message of the virtual card obtaining and consumption information and receiving party's accounts information by transition network, account publisher verifies authorization message and the consumption information of virtual card, completes transaction and transaction results is transferred to pay transition network in the situation that being proved to be successful.
Preferably, described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises a kind of or any combination in the mainboard sequence number, SIM sequence number, WIFIMAC address, OS identification code of mobile terminal;
Account issuers is offered virtual account according to described adeditive attribute information, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
Preferably, described virtual card activation step comprises following sub-step:
User sends to account issuers by APP by the activation request of the hardware information that comprises account identification code, mobile terminal and private data and asks to Activate Account, and described private data refers to a kind of or any combination in personal identification number, the answer of presetting problem, biological attribute data;
Account issuers is verified account identification code and the hardware information received, if checking is correct, account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
User inputs this active coding on APP;
The activation request that comprises active coding is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
Preferably, described virtual card payment step comprises following sub-step:
APP checks the term of validity as consumer's virtual card, if invalid, refusal transaction, otherwise calculate the authorization message of this transaction according to the engagement arithmetic of account issuers, wherein said authorization message comprises: account is used one or more in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data;
Receiving party's mobile terminal obtains virtual card information and the authorization message of consumer's virtual card by NFC function, sound wave or Quick Response Code, receiving party will send to consumer's account issuers together with virtual card information, authorization message and consumption information that obtain and receiving party's accounts information by transition network;
Consumer's account issuers checking virtual card information and consumption information, in the situation that being proved to be successful, consumer's account issuers completes transaction and transaction results is forwarded to payment transition network, in this transaction of the next refusal of situation of authentication failed.
Preferably, the publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
Payment system based on virtual card of the present invention, is characterized in that, comprising:
Consumer's mobile terminal, APP is installed, be used for the account issuers that this mobile terminal is set to the carrier of virtual card and adeditive attribute information is provided to following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating consumer's the authorization message of virtual card,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from APP account identification code and the adeditive attribute information come, APP to consumer by checking in the situation that sends active coding, verify for the active coding returning from above-mentioned consumer's APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned consumer's APP, and complete transaction in the successful situation of account issuers checking authorization message of virtual card,
Receiving party's mobile terminal for obtaining consumer's authorization message and the virtual card information of virtual card, and sends to following payment transition network together with the virtual card information of obtaining and consumption information and receiving party's accounts information;
Pay transition network, for the virtual card information of the mobile terminal from above-mentioned receiving party, consumption information, receiving party's accounts information is sent to consumer's account issuers, and transaction results is notified to receiving party's mobile terminal in the situation that completing transaction.
Preferably, described consumer's mobile terminal is for using one or more information of key, account key scope effective time or length, type of transaction, Transaction Information, mobile terminal hardware information, private data to calculate authorization message according to account.
Method of payment based on virtual card of the present invention, is characterized in that, comprises the steps:
Virtual card distribution steps, be set to the carrier of virtual card and the adeditive attribute information of mobile terminal be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to the adeditive attribute information providing;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and asks to Activate Account, the checking of account issuers, send active coding to mobile terminal in the case of passing through, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of virtual card and is presented on mobile terminal, user is by the payment webpage of the card information of virtual card and authorization message input trade company, described payment webpage is generated by payment gateway, to embed or the mode of turning is presented on the webpage that the payment information of trade company is relevant, payment gateway is by the authorization message of obtaining and merchant information, consumption information sends to the account issuers of virtual card together by paying transition network, account issuers checking authorization message and the consumption information of this virtual card, in the situation that being proved to be successful, complete transaction and transaction results is forwarded to payment transition network.
Preferably, described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal;
Account issuers is offered virtual account according to the adeditive attribute information that provides, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
Preferably, described virtual card activation step comprises following sub-step:
User sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and private data and asks to Activate Account, wherein, described hardware information comprises that one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal, described private data refer to the one in answer, the biological attribute data of personal identification number, default problem;
Account issuers is verified account identification code and the adeditive attribute information received, if checking is correct, person's account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
On APP, input this active coding and the attribute information of this virtual card is set;
The activation request that comprises active coding and attribute information is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
Preferably, the publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
Payment system based on virtual card of the present invention, is characterized in that, comprising:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and the adeditive attribute information of mobile terminal is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP account identification code and the adeditive attribute information come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
Acquirer, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and the consumption information based on obtaining organizes transaction request message to send to following payment transition network, and receive the transaction results from above-mentioned payment transition network;
Pay transition network, for according to payments being asked to send to account issuers from the transaction request message of above-mentioned acquirer, also for receiving from the transaction results of account issuers and being forwarded to acquirer.
Preferably, described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
Method of payment based on virtual card of the present invention, is characterized in that, comprises the steps:
Virtual card distribution steps, be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to the adeditive attribute information providing;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and asks to Activate Account, account sends active coding to mobile terminal in the case of passing through the checking of account issuers, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of virtual card and is presented on mobile terminal, POS terminal reads above-mentioned authorization message and above-mentioned authorization message is sent to together with merchant information, consumption information to acquirer and send to the account issuers of virtual card by paying transition network, account issuers checking authorization message and the consumption information of this virtual card, in the situation that being proved to be successful, the account issuers of virtual card completes transaction and transaction results is transferred to pay after transition network is processed and forwards acquirer.
Preferably, described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal;
Account issuers is offered virtual account according to the hardware information and the user profile that provide, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
Preferably, described virtual card activation step comprises following sub-step:
User sends to account issuers by APP by the activation request of the hardware information that comprises account identification code, mobile terminal and private data and asks to Activate Account, and described private data refers to the one in answer, the biological attribute data of personal identification number, default problem;
Account issuers is verified account identification code and the hardware information received, if checking is correct, person's account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
On APP, input this active coding;
The activation request that comprises active coding and attribute information is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
Preferably, described virtual card payment step comprises following sub-step:
APP checks the term of validity of virtual card, if invalid, directly refusal, otherwise APP calculates the authorization message of virtual card;
APP is presented at Quick Response Code form the authorization message calculating on mobile terminal;
POS terminal scanning Quick Response Code reads authorization message and above-mentioned authorization message is sent to acquirer together with merchant information breath and consumption information;
Acquirer sends to above-mentioned authorization message and merchant information and consumption information by paying transition network the account issuers of virtual card;
Account issuers checking virtual card information and the consumption information of this virtual card complete and pay and notify acquirer by payment result in the situation that being proved to be successful, and are forwarded to POS terminal by acquirer.
Preferably, described virtual card payment step comprises following sub-step:
APP checks the term of validity of virtual card, if invalid, directly refusal, otherwise APP calculates the authorization message of virtual card;
Mobile terminal utilizes NFC function to read authorization message and above-mentioned authorization message is sent to acquirer together with merchant information and consumption information;
Acquirer sends to above-mentioned authorization message and merchant information and consumption information by paying transition network the account issuers of virtual card;
Account issuers checking virtual card information and the consumption information of this virtual card complete and pay and notify acquirer by payment result in the situation that being proved to be successful, and are forwarded to POS terminal by acquirer.
Preferably, the publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
Payment system based on virtual card of the present invention, is characterized in that, comprising:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and adeditive attribute information is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP account identification code and the adeditive attribute information come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
POS terminal, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and consumption information based on obtaining organizes transaction request message to send to following acquirer;
Acquirer, for the transaction request message obtaining from above-mentioned POS terminal is sent to following payment transition network, and will feed back to POS terminal from the transaction results of following payment transition network;
Pay transition network, for will paying the account issuers of asking to send to virtual card according to the transaction request message from above-mentioned acquirer, and the transaction results of the account issuers of self-virtualizing card is forwarded to acquirer in the future.
Preferably, described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
According to the present invention, can substitute entity card with virtual card, and virtual card can be not only associated with entity card, can be also a pure virtual card, if in the situation associated with entity card, can be by its consumption amount, consumption type that arrange of the association attributes to virtual card. Thus, can improve the security of user account fund. And, in the present invention, by the hardware information of virtual card and mobile terminal is bound, can further improve the security of virtual card. In the time carrying out payment by the transfer of account with virtual card, after needing to calculate authorization message and verify this authorization message by the account issuers of virtual card according to TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data in advance, can conclude the business, can effectively improve thus the security of the payment based on virtual card.
Brief description of the drawings
Fig. 1 is payment system based on virtual card of the present invention and the conceptual framework of method of payment.
Fig. 2 is the step order figure that represents the method for payment based on virtual card of the present invention.
Detailed description of the invention
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention. Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
First make an explanation for conceptual frameworks more of the present invention and some terms.
Fig. 1 is payment system based on virtual card of the present invention and the conceptual framework of method of payment.
As shown in Figure 1, the present invention includes physical layer, application layer and mechanical floor.
Physical layer comprises: multiple account issuers, Xian Shangshoudan service organization, Xian Xiashoudan service organization.
Account issuers refers to the statutory body that issues virtual card for user, as bank.
Xian Shangshoudan service organization refers to the mechanism that internet payment service is provided for user.
Xian Xiashoudan service organization is the mechanism that POS payment services under line are provided for user.
Application layer comprises: Possum, natural person (human), network (internet), solid shop/brick and mortar store.
Possum refers to the equipment that Self-Service is provided for user, and as ATM withdraws the money, ATM transfers accounts etc. This equipment is laid by account issuers conventionally, also can be laid by Xian Xiashoudan service organization.
Natural person (human) refers to the natural person who has account.
Network (internet) refers to by internet provides service or the entity of content for user.
Solid shop/brick and mortar store refers under online and has fixed-site, for user provides the entity of service or content.
Mechanical floor comprises accepts mobile phone (or accepting terminal), payment gateway, POS terminal.
Accept mobile phone and refer to the intelligent movable equipment of accepting virtual card.
Payment gateway (also referred to as paying transition network) refers to and a kind of infrastructure of accepting virtual card is provided by account issuers or Xian Shangshoudan service organization.
POS terminal refers to a kind of infrastructure device of accepting virtual card, is provided by account issuers or Xian Xiashoudan service organization.
Under regard to some technical terms of mentioning in the present invention and make an explanation.
Account: refering in particular to account issuers is the virtual card account that user opens.
Account attributes: account issuers is the attribute that account arranges, as account holder's name, sex, passport NO., phone number, address, mail etc., account attributes also comprises the status attribute of account simultaneously.
Online: to refer in particular between user mobile phone and account issuers system and have lasting data link, as 3G network/WIFI etc.
Off line: refer in particular to user mobile phone and account issuers system does not exist data link, cannot carry out exchanges data.
APP: the application software of installing on mobile terminal, its rear end application service system that also comprises described below.
(individual) private data: private data be provided with following several method: a class be password, another kind of be " problem-answer ", to also have a class be that setting example is as fingerprint, iris, sound etc. For example, individual private data is set: if password type, for new password is set. If " problem-answer " type arranges the content of problem and corresponding answer. Also have
Input individual private data: if password type, for input password, if " problem-answer " type is inputted answer corresponding to problem.
The first embodiment
Below, be specifically described for the method for payment based on virtual card of the first embodiment of the present invention.
Fig. 2 is the step order figure that represents the method for payment based on virtual card of the first embodiment of the present invention.
As shown in Figure 2, the method for payment based on virtual card of the first embodiment of the present invention comprises: virtual card distribution steps, virtual card activate step, virtual card payment step (mobile terminal is accepted pattern).
Then, describe for these concrete steps.
One, virtual card distribution steps
1) APP of user installation account issuers license, this APP is that account issuers is the APP software that user is provided for managing virtual card, this APP may be both the APP of account issuers, also the third party APP of its mandate.
2) user arranges the access code of APP.
3) user is by the application function application virtual card account in APP, and agree to account issuers relevant statement (by other channels as site also can, reason is identical)
4) user provides the material that account issuers needs, account issuers is gathered and is preserved the hardware information of customer mobile terminal by APP simultaneously, hardware information for example can, including but not limited to hardware mainboard sequence number, SIM sequence number, OS identification code and adeditive attribute etc., inform that this mobile terminal of user is using the carrier as virtual card simultaneously.
5) account issuers is opened virtual card account for user, the account both can with the existing entity card of user carry out associated, but the account of also newly opening, it is to be activated that account status is set. In the present invention, virtual card can be associated with entity card, also can be a pure virtual card, if in the situation associated with entity card, can be a subset (becoming which type of subset can specifically arrange according to " 4) " in following " two, virtual card activate step ") of entity card, can and not exclusively be equal to entity card.
In the present invention, the publisher of virtual card may be both issuing bank, may be also card tissue. If this virtual card is associated with entity card, virtual card card number and entity card card number are without any direct incidence relation, and the two is only the relation of shining upon mutually, and these mapping relations are kept at virtual card publisher. The coding rule of virtual card card number and the coding rule of entity card are in full accord, meet requirement and the standard of state banking institutions and relevant international body. If this virtual card incorporeity card correspondence, can have virtual card publisher for user is to a legal fund account of account issuer application with account distribution qualification.
6) account issuers, for user provides account identification code, activates the virtual card of oneself on mobile phone A PP for user.
Two, virtual card activates step
1) user is provided by the activation virtual card function providing in APP.
2) user's destiny account publisher input account identification code, account activation request is sent to corresponding account issuers by APP. Wherein, upper carry information comprises the hardware information of mobile terminal, and the hardware information here can be including but not limited to hardware mainboard sequence number, SIM sequence number, OS identification code and adeditive attribute etc.
Upper carry information can also comprise the individual private data that account issuers needs user to arrange. If password type, user can, by the access code of APP as individual private data, also can arrange a new password.
3) account issuers is sent hardware information, the account identification code of mobile terminal on verifying, if correct, preserves individual private data, sends active coding by the mode of mobile terminal note simultaneously, and background system safeguards that the account status of this virtual card is constant.
4) user inputs the active coding that account issuers provides on APP, and the association attributes of this virtual card is set.
For example, available amount can be set: XXXXXX.00 unit;
Electronic cash: XXXX.00 unit;
Another name: YYY;
Allow POS consumption: use at most [N] inferior;
Allow to consume on line.
Note: if the account and entity card correspondence, the attribute of appearance " available amount ".
5) on APP, send the activation request of the association attributes that comprises above-mentioned active coding and virtual card.
6) account issuers is verified this active coding, if failure is refused this this account and activated; If success, arranges account status for activating, and notifies APP account to activate successfully. Issue following data simultaneously:
Account is used key (to be also designated as TK);
Account key scope effective time or length (being designated as below EXPD)
Virtual card card number (optional).
The remaining sum of virtual card and consumption:
User can give virtual card account charging by other bank card accounts, finance account or cash etc., if this virtual card account itself and entity card account are associated, account issuers can provide various ways allow user by the funds transfer in corresponding account to virtual card account, available amount credit that also can be using a part for the available balance of corresponding account (comprising the credit line of true remaining sum and account itself) as virtual card.
In the time that virtual card is consumed, if remaining sum is real remaining sum, directly reduce account balance, if credit line is reduced in amount credit, from corresponding entity account, reduce account balance simultaneously.
Three. virtual card payment step (mobile terminal is accepted pattern)
To transfer accounts as example, both sides consult to transfer accounts, and the side of producing is as the consumer of virtual card, and the side of proceeding to is as receiving party.
1) consumer selects the virtual card in APP, and now APP is without online. Select money transfer transactions simultaneously.
2) APP checks the term of validity of this virtual card, if invalid, directly refusal, otherwise calculate the authorization message (being designated as INFO_AUTH) of this transaction according to account issuers engagement arithmetic.
INFO_AUTH=f(TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data)
Type of transaction comprises: the information such as transaction channel=mobile terminal, type of transaction=transfer accounts;
Transaction Information comprises: the information such as dealing money, exchange hour, trade date
If individual private data needs user to input, APP should point out user to input this data.
If virtual card is not downloaded card number while activating, APP according to the virtual card number of Dynamic building algorithm of account issuers agreement.
3) receiving party point out consumer by mobile terminal near receiving party's mobile terminal, receiving party's mobile terminal reads the virtual card information in consumer's mobile terminal by NFC or Quick Response Code, comprises the information such as virtual card number, the term of validity, INFO_AUTH, type of transaction, dealing money.
4) receiving party will send to consumer's account issuers together with the transaction information needed (as the side's of proceeding to account) of the information reading and itself by paying transition network, the checking transaction of consumer's account issuers whether the scope, the dealing money that allow whether meet whether agreed terms, transaction channel satisfy condition and INFO_AUTH whether correct after, ratify or refuse this transaction, and returning to response message.
5) transaction results that payment transition network provides according to consumer's account issuers is done necessary processing, and as transaction goes through, the provider of the notice side of proceeding to account keeps accounts, and notifies receiving party APP afterwards by transaction results.
6) consumer's account issuers is notified the result of this transaction of APP of consumer.
Then, describe for the payment system based on virtual card of this first embodiment.
The payment system based on virtual card of the first embodiment comprises:
Consumer's mobile terminal, APP is installed, be set to the carrier of virtual card and the hardware information of mobile terminal and user profile be provided to the account issuers of following virtual card for this mobile terminal, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of the hardware information of mobile terminal sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding and the attribute information of this virtual card being set, and the activation request that comprises active coding and attribute information is sent to the account issuers of virtual card, also for calculating consumer's the authorization message of virtual card,
The account issuers of virtual card, provide hardware information and the user profile come to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from APP the account identification code and the hardware information that come, APP to consumer by checking in the situation that sends active coding, verify for the active coding returning from above-mentioned consumer's APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned consumer's APP, and complete transaction in the successful situation of account issuers checking authorization message of virtual card,
Receiving party's mobile terminal for obtaining consumer's authorization message and the virtual card information of virtual card, and sends to following payment transition network together with the virtual card information of obtaining and consumption information and receiving party's accounts information;
Pay transition network, for the virtual card information of the mobile terminal from above-mentioned receiving party, consumption information, receiving party's accounts information is sent to consumer's account issuers, and transaction results is notified to receiving party's mobile terminal in the situation that completing transaction.
Preferably, described consumer's mobile terminal is for using one or more information of key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
In the present invention, virtual card can be not only associated with entity card, can be also a pure virtual card, if in the situation associated with entity card, and can be by its consumption amount, consumption type that arrange of the association attributes to virtual card. Can control consumption amount, consumption type, the security that has namely improved on the other hand user account by user oneself by such setting.
As mentioned above, in the present invention, by the hardware information of virtual card and mobile terminal is bound, can improve the security of virtual card. this be because, virtual card is bound with the hardware information of specific mobile terminal, in the time carrying out payment by the transfer of account with virtual card, APP just needs first according to TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual's private data can be concluded the business after calculating authorization message and verifying this authorization message by the account issuers of virtual card, suppose that lawless person has stolen virtual card card number, but he also has no idea to know the hardware information of mobile terminal, therefore, just can not carry out the calculating of follow-up authorization message, and checking etc., so just can not complete transaction, therefore lawless person just can not steal the fund in virtual card account, can effectively improve thus the security of the payment based on virtual card.
The second embodiment
Below, be specifically described for the method for payment based on virtual card of the second embodiment of the present invention.
The method of payment based on virtual card of the second embodiment is compared with the method for payment based on virtual card of the first embodiment, virtual card distribution steps is identical with virtual card activation step, difference is virtual card payment step (internet pattern), therefore, here omit the explanation to virtual card distribution steps and virtual card activation step, only virtual card payment step is described.
Then, describe for the virtual card payment step of the second embodiment.
The virtual card payment step of the second embodiment comprises following sub-step:
1) user uses the device logs website browsing merchant informations such as PC/PAD and generates order.
2) user selects to receive on line the virtual card means of payment that single service provider provides.
3) the payment page prompts user who receives single service provider on line inputs virtual card number, the term of validity and authentication information.
4) user opens mobile terminal APP, selects certain virtual card and selects online payment function.
5) APP checks the term of validity of this virtual card, if invalid, directly refusal, otherwise calculate the authorization message (being designated as INFO_AUTH) of this transaction according to account issuers engagement arithmetic,
Wherein, INFO_AUTH=f(TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data),
Type of transaction comprises the information such as transaction channel=internet, type of transaction=on-line payment,
Transaction Information comprises the information such as dealing money, exchange hour, trade date,
If individual private data needs user to input, APP should point out user to input this data, if virtual card is not downloaded card number while activating, APP according to the virtual card number of Dynamic building algorithm of account provider agreement.
6) APP is presented at above-mentioned information on mobile terminal screen, and user is according to showing that the virtual card number of input information, the term of validity and authentication information pay the page on the net.
7), if payment gateway support is collected information by Quick Response Code, APP also can, by above-mentioned Information generation Quick Response Code, obtain above-mentioned information for the device scan on PC/PAD.
8) the payment page of Xian Shangshoudan service organization is received after above-mentioned information, above-mentioned information and the merchant information (as information such as mechanism's numbering, trade company's numberings) of itself are organized to transaction request message together, send to the account provider of virtual card by paying transition network, account provider verify transaction whether the scope, the dealing money that allow whether meet whether agreed terms, transaction channel satisfy condition and INFO_AUTH whether correct after, ratify or refuse this transaction, and returning to response message.
9) transaction results that payment transition network provides according to consumer's account provider is done necessary processing, afterwards transaction results is notified to Xian Shangshoudan service organization, and Xian Shangshoudan service organization generates payment result page prompts user payment result.
10) result of optional this transaction of APP of notifying consumer of virtual card account provider.
Then, be briefly described for the payment system based on virtual card of second embodiment of the invention.
The payment system based on virtual card of second embodiment of the invention comprises:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and the hardware information of mobile terminal and user profile is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of the hardware information of mobile terminal sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding and the attribute information of this virtual card being set, and the activation request that comprises active coding and attribute information is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide hardware information and the user profile come to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP the account identification code and the hardware information that come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
Acquirer, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and the consumption information based on obtaining organizes transaction request message to send to following payment transition network, and receive the transaction results from above-mentioned payment transition network;
Pay transition network, for according to payments being asked to send to account issuers from the transaction request message of above-mentioned acquirer, also for receiving from the transaction results of account issuers and being forwarded to acquirer.
Preferably, described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
In the second embodiment, with the first embodiment similarly, while utilizing virtual card to pay on network, after need to calculating authorization message and verify this authorization message by the account issuers of virtual card according to TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data, can conclude the business. Therefore, can effectively improve the security of the payment based on virtual card.
The 3rd embodiment
Below, be specifically described for the method for payment based on virtual card of the 3rd embodiment of the present invention.
The method of payment based on virtual card of the 3rd embodiment is compared with the method for payment based on virtual card of the first embodiment, virtual card distribution steps is identical with virtual card activation step, difference is virtual card payment step (POS pattern), therefore, here omit the explanation to virtual card distribution steps and virtual card activation step, only virtual card payment step is described.
Then, describe for the virtual card payment step of the 3rd embodiment.
The virtual card payment step of the 3rd embodiment comprises following sub-step:
1) after user descends shopping to complete online, open mobile terminal APP in POS cashier, select certain virtual card and select consumption function under line.
2) APP checks the term of validity of this virtual card, if invalid, directly refusal, otherwise calculate the authorization message (being designated as INFO_AUTH) of this transaction according to account issuers engagement arithmetic,
Wherein, INFO_AUTH=f(TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data),
Type of transaction comprises the information such as transaction channel=internet, type of transaction=on-line payment,
Transaction Information comprises the information such as dealing money, exchange hour, trade date,
If individual private data needs user to input, APP should point out user to input this data, if virtual card is not downloaded card number while activating, APP according to the virtual card number of Dynamic building algorithm of account provider agreement.
3) APP will encode according to above-mentioned information, and it is upper to be presented at mobile terminal APP in the mode of image in 2 D code, and POS reads virtual card information by bar-code reader.
4) if mobile terminal is supported NFC, user need be by mobile terminal the NFC reader near POS, POS reads virtual card information by NFC.
5) POS receives after single virtual card information, organize together transaction request message to send to Xian Xiashoudan service organization backstage above-mentioned information and the information (as information such as mechanism's numbering, trade company's numberings) of itself, and send to the account provider of virtual card by paying transition network, account provider verify transaction whether the scope, the dealing money that allow whether meet whether agreed terms, transaction channel satisfy condition and INFO_AUTH whether correct after, ratify or refuse this transaction, and returning to response message.
8) transaction results that payment transition network provides according to consumer's account provider is done necessary processing, afterwards transaction results is notified to Xian Xiashoudan service organization, Xian Xiashoudan service organization sends transaction results to POS, and POS notifies holder transaction results according to transaction results.
9) result of optional this transaction of APP of notifying consumer of virtual card account provider.
Then, describe for the payment system based on virtual card of third embodiment of the invention. The payment system based on virtual card of third embodiment of the invention comprises:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and the hardware information of mobile terminal and user profile is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of the hardware information of mobile terminal sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding and the attribute information of this virtual card being set, and the activation request that comprises active coding and attribute information is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide hardware information and the user profile come to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP the account identification code and the hardware information that come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
POS terminal, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and consumption information based on obtaining organizes transaction request message to send to following acquirer;
Acquirer, for the transaction request message obtaining from above-mentioned POS terminal is sent to following payment transition network, and will feed back to POS terminal from the transaction results of following payment transition network;
Pay transition network, for will paying the account issuers of asking to send to virtual card according to the transaction request message from above-mentioned acquirer, and the transaction results of the account issuers of self-virtualizing card is forwarded to acquirer in the future.
Preferably, described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
In the 3rd embodiment, with the first embodiment similarly, while utilizing virtual card to pay on network, after need to calculating authorization message and verify this authorization message by the account issuers of virtual card according to TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data, can conclude the business. Therefore, can effectively improve the security of the payment based on virtual card.
In sum, in the present invention, virtual, the duplicate removal power of entity card are realized, can utilize virtual card to substitute entity card, and virtual card can be not only associated with entity card, it can be also a pure virtual card, if in the situation associated with entity card, can be by its consumption amount, consumption type that arrange of the association attributes to virtual card. Thus, can improve the security of user account fund.
And in the present invention, the method for payment based on virtual card and payment system can be applied to abundant application scenarios, for example, mobile terminal pattern, internet pattern, POS pattern.
And, in the present invention, by the hardware information of virtual card and mobile terminal is bound, can further improve the security of virtual card. In the time carrying out payment by the transfer of account with virtual card, after needing to calculate authorization message and verify this authorization message by the account issuers of virtual card according to TK, EXPD, type of transaction, Transaction Information, mobile terminal hardware information, individual private data in advance, can conclude the business, can effectively improve thus the security of the payment based on virtual card.
Above example has mainly illustrated method of payment and the payment system based on virtual card of the present invention. Although only some of them the specific embodiment of the present invention is described, those of ordinary skill in the art should understand, and the present invention can implement not departing from its purport and scope with many other forms. Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in the situation that not departing from spirit of the present invention as defined in appended each claim and scope, the present invention may be contained various amendments and replacement.

Claims (21)

1. the method for payment based on virtual card, is characterized in that, comprises the steps:
Virtual card distribution steps, be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to described adeditive attribute information;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code and adeditive attribute information and asks to Activate Account, the checking of account issuers, send active coding to mobile terminal in the case of passing through, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of consumer's virtual card, authorization message and the consumption information of receiving party's acquisition for mobile terminal consumer's virtual card, receiving party will send to consumer's account issuers together with the authorization message of the virtual card obtaining and consumption information and receiving party's accounts information by transition network, account publisher verifies authorization message and the consumption information of virtual card, completes transaction and transaction results is transferred to pay transition network in the situation that being proved to be successful.
2. the method for payment based on virtual card as claimed in claim 1, is characterized in that,
Described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises a kind of or any combination in the mainboard sequence number, SIM sequence number, WIFIMAC address, OS identification code of mobile terminal;
Account issuers is offered virtual account according to described adeditive attribute information, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
3. the method for payment based on virtual card as claimed in claim 2, is characterized in that,
Described virtual card activates step and comprises following sub-step:
User sends to account issuers by APP by the activation request of the hardware information that comprises account identification code, mobile terminal and private data and asks to Activate Account, and described private data refers to a kind of or any combination in personal identification number, the answer of presetting problem, biological attribute data;
Account issuers is verified account identification code and the hardware information received, if checking is correct, account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
User inputs this active coding on APP;
The activation request that comprises active coding is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
4. the method for payment based on virtual card as claimed in claim 3, is characterized in that,
Described virtual card payment step comprises following sub-step:
APP checks the term of validity as consumer's virtual card, if invalid, refusal transaction, otherwise calculate the authorization message of this transaction according to the engagement arithmetic of account issuers, wherein said authorization message comprises: account is used one or more in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data;
Receiving party's mobile terminal obtains virtual card information and the authorization message of consumer's virtual card by NFC function, sound wave or Quick Response Code, receiving party will send to consumer's account issuers together with virtual card information, authorization message and consumption information that obtain and receiving party's accounts information by transition network;
Consumer's account issuers checking virtual card information and consumption information, in the situation that being proved to be successful, consumer's account issuers completes transaction and transaction results is forwarded to payment transition network, in this transaction of the next refusal of situation of authentication failed.
5. the method for payment based on virtual card as described in claim 1～4 any one, is characterized in that,
The publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
6. the payment system based on virtual card, is characterized in that, comprising:
Consumer's mobile terminal, APP is installed, be used for the account issuers that this mobile terminal is set to the carrier of virtual card and adeditive attribute information is provided to following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating consumer's the authorization message of virtual card,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from APP account identification code and the adeditive attribute information come, APP to consumer by checking in the situation that sends active coding, verify for the active coding returning from above-mentioned consumer's APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned consumer's APP, and complete transaction in the successful situation of account issuers checking authorization message of virtual card,
Receiving party's mobile terminal for obtaining consumer's authorization message and the virtual card information of virtual card, and sends to following payment transition network together with the virtual card information of obtaining and consumption information and receiving party's accounts information;
Pay transition network, for the virtual card information of the mobile terminal from above-mentioned receiving party, consumption information, receiving party's accounts information is sent to consumer's account issuers, and transaction results is notified to receiving party's mobile terminal in the situation that completing transaction.
7. the payment system based on virtual card as claimed in claim 6, is characterized in that,
Described consumer's mobile terminal is for using one or more information of key, account key scope effective time or length, type of transaction, Transaction Information, mobile terminal hardware information, private data to calculate authorization message according to account.
8. the method for payment based on virtual card, is characterized in that, comprises the steps:
Virtual card distribution steps, be set to the carrier of virtual card and the adeditive attribute information of mobile terminal be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to the adeditive attribute information providing;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and asks to Activate Account, the checking of account issuers, send active coding to mobile terminal in the case of passing through, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of virtual card and is presented on mobile terminal, user is by the payment webpage of the card information of virtual card and authorization message input trade company, described payment webpage is generated by payment gateway, to embed or the mode of turning is presented on the webpage that the payment information of trade company is relevant, payment gateway is by the authorization message of obtaining and merchant information, consumption information sends to the account issuers of virtual card together by paying transition network, account issuers checking authorization message and the consumption information of this virtual card, in the situation that being proved to be successful, complete transaction and transaction results is forwarded to payment transition network.
9. the method for payment based on virtual card as claimed in claim 8, is characterized in that,
Described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal;
Account issuers is offered virtual account according to the adeditive attribute information that provides, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
10. the method for payment based on virtual card as claimed in claim 9, is characterized in that,
Described virtual card activates step and comprises following sub-step:
User sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and private data and asks to Activate Account, wherein, described hardware information comprises that one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal, described private data refer to the one in answer, the biological attribute data of personal identification number, default problem;
Account issuers is verified account identification code and the adeditive attribute information received, if checking is correct, person's account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
On APP, input this active coding and the attribute information of this virtual card is set;
The activation request that comprises active coding and attribute information is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
11. methods of payment based on virtual card as described in claim 8～10 any one, is characterized in that,
The publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
12. 1 kinds of payment systems based on virtual card, is characterized in that, comprising:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and the adeditive attribute information of mobile terminal is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP account identification code and the adeditive attribute information come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
Acquirer, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and the consumption information based on obtaining organizes transaction request message to send to following payment transition network, and receive the transaction results from above-mentioned payment transition network;
Pay transition network, for according to payments being asked to send to account issuers from the transaction request message of above-mentioned acquirer, also for receiving from the transaction results of account issuers and being forwarded to acquirer.
13. payment systems based on virtual card as claimed in claim 12, is characterized in that,
Described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
14. 1 kinds of methods of payment based on virtual card, is characterized in that, comprise the steps:
Virtual card distribution steps, be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, account issuers is offered virtual account and is returned to account identification code to this APP according to the adeditive attribute information providing;
Virtual card activates step, user sends to account issuers by APP by the activation request that comprises account identification code, adeditive attribute information and asks to Activate Account, account sends active coding to mobile terminal in the case of passing through the checking of account issuers, user sends to account issuers by APP by the activation request that comprises active coding, after account issuers checking active coding, completes the activation of virtual card and the card information of virtual card is issued to APP;
Virtual card payment step, APP calculates the authorization message of virtual card and is presented on mobile terminal, POS terminal reads above-mentioned authorization message and above-mentioned authorization message is sent to together with merchant information, consumption information to acquirer and send to the account issuers of virtual card by paying transition network, account issuers checking authorization message and the consumption information of this virtual card, in the situation that being proved to be successful, the account issuers of virtual card completes transaction and transaction results is transferred to pay after transition network is processed and forwards acquirer.
15. methods of payment based on virtual card as claimed in claim 14, is characterized in that,
Described virtual card distribution steps comprises following sub-step:
Be set to the carrier of virtual card and adeditive attribute information be provided to the account issuers of virtual card by the APP mobile terminal of installing on mobile terminal, wherein, described adeditive attribute information comprises hardware information and/or the user profile of mobile terminal, and described hardware information comprises one or more in the mainboard sequence number, SIM sequence number, OS identification code, WIFIMAC address of mobile terminal;
Account issuers is offered virtual account according to the hardware information and the user profile that provide, and wherein, this virtual account is and has the account that entity card is associated or newly open, and account status is to be activated;
Account issuers provides account identification code for user, and this identification code is turned back to APP.
16. methods of payment based on virtual card as claimed in claim 15, is characterized in that,
Described virtual card activates step and comprises following sub-step:
User sends to account issuers by APP by the activation request of the hardware information that comprises account identification code, mobile terminal and private data and asks to Activate Account, and described private data refers to the one in answer, the biological attribute data of personal identification number, default problem;
Account issuers is verified account identification code and the hardware information received, if checking is correct, person's account issuers is preserved described private data, sends active coding by short message mode to mobile terminal simultaneously;
On APP, input this active coding;
The activation request that comprises active coding and attribute information is sent to account issuers by APP;
Whether account issuers checking is correct, if authentication failed, refuses the account and activates, if be proved to be successful, by the account status indication for activating, notify APP to activate successfully simultaneously, and issue the card information of virtual card to APP, wherein, described card information comprises that account is used key, account key scope effective time or length, virtual card card number.
17. methods of payment based on virtual card as claimed in claim 16, is characterized in that,
Described virtual card payment step comprises following sub-step:
APP checks the term of validity of virtual card, if invalid, directly refusal, otherwise APP calculates the authorization message of virtual card;
APP is presented at Quick Response Code form the authorization message calculating on mobile terminal;
POS terminal scanning Quick Response Code reads authorization message and above-mentioned authorization message is sent to acquirer together with merchant information breath and consumption information;
Acquirer sends to above-mentioned authorization message and merchant information and consumption information by paying transition network the account issuers of virtual card;
Account issuers checking virtual card information and the consumption information of this virtual card complete and pay and notify acquirer by payment result in the situation that being proved to be successful, and are forwarded to POS terminal by acquirer.
18. methods of payment based on virtual card as claimed in claim 17, is characterized in that,
Described virtual card payment step comprises following sub-step:
APP checks the term of validity of virtual card, if invalid, directly refusal, otherwise APP calculates the authorization message of virtual card;
Mobile terminal utilizes NFC function to read authorization message and above-mentioned authorization message is sent to acquirer together with merchant information and consumption information;
Acquirer sends to above-mentioned authorization message and merchant information and consumption information by paying transition network the account issuers of virtual card;
Account issuers checking virtual card information and the consumption information of this virtual card complete and pay and notify acquirer by payment result in the situation that being proved to be successful, and are forwarded to POS terminal by acquirer.
19. methods of payment based on virtual card as described in claim 14～18 any one, is characterized in that,
The publisher of virtual card is issuing bank or card tissue, if this virtual card is associated with entity card, virtual card card number and entity card card number are that relation and this mapping relations of shining upon are mutually kept at virtual card publisher mechanism, if this virtual card incorporeity card onrelevant is that user is to issuing bank or a fund account of card tissue application by virtual card publisher.
20. 1 kinds of payment systems based on virtual card, is characterized in that, comprising:
Mobile terminal, APP is installed, this APP is set to the carrier of virtual card for this mobile terminal and adeditive attribute information is provided to the account issuers of following virtual card, also for comprising the following account identification code of sending from the account issuers of following virtual card, the activation request of adeditive attribute information sends to account issuers and asks to Activate Account, when from following account issuers is received active coding for inputting this active coding, and the activation request that comprises active coding is sent to the account issuers of virtual card, also for calculating the authorization message of virtual card and being shown in mobile terminal,
The account issuers of virtual card, provide the adeditive attribute information of coming to offer the account of virtual card and return to account identification code to above-mentioned APP for basis from above-mentioned APP, also return to for verifying from above-mentioned APP account identification code and the adeditive attribute information come, by checking in the situation that, send active coding to above-mentioned APP, verify for the active coding returning from above-mentioned APP, after the checking by active coding, complete the activation of virtual card and the card information of virtual card is issued to above-mentioned APP;
POS terminal, for obtaining authorization message and the virtual card information of virtual card, and virtual card information, merchant information and consumption information based on obtaining organizes transaction request message to send to following acquirer;
Acquirer, for the transaction request message obtaining from above-mentioned POS terminal is sent to following payment transition network, and will feed back to POS terminal from the transaction results of following payment transition network;
Pay transition network, for will paying the account issuers of asking to send to virtual card according to the transaction request message from above-mentioned acquirer, and the transaction results of the account issuers of self-virtualizing card is forwarded to acquirer in the future.
21. payment systems based on virtual card as claimed in claim 20, is characterized in that,
Described mobile terminal uses the one or more information in key, account key scope effective time or length, type of transaction, Transaction Information, hardware information, private data to calculate authorization message according to account.
CN201410845210.0A 2014-12-31 2014-12-31 Payment method and payment system based on virtual card Pending CN105590214A (en)

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Application publication date: 20160518