CN106557972A - Realize the information processing method and system of Virtual User card - Google Patents
Realize the information processing method and system of Virtual User card Download PDFInfo
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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Abstract
The invention provides a kind of information processing method for realizing Virtual User card, methods described includes：Application information is obtained by the online application page of Virtual User card, Virtual User card application request is initiated to switched service according to the application information；Receive the authentication page iden-tity that the switched service is returned, the authentication page iden-tity is the switched service according to the application for currently carrying out be whether subscriber card application return again；The authentication that claim is redirected into the Virtual User card according to the authentication page iden-tity, and the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed；Receive the Virtual User card information provided by result according to authentication.Additionally, additionally providing a kind of information processing system for realizing Virtual User card matched with the method.In the case of the above-mentioned information processing method and system for realizing Virtual User card is enough applied to all holding, and ensure the reduction of the security and time cost of subscriber card granting.
Description
Technical field
The present invention relates to technical field of internet application, more particularly to a kind of information processing method and system for realizing Virtual User card.
Background technology
In daily life and work, by subscriber cards such as credit card, debit cards, user mostly realizes that its online and offline pays, and subscriber card is that user voluntarily arrives arbitrary bank outlets and applies obtaining under normal conditions.
Specifically, will to be user be sended in one's application data and identity document by the sales counter of bank outlets for the acquisition of subscriber card, and carried out face to face signing, verified the processes such as identity document.Complete this process and the subscriber card of entity is made after checking and is posted, the stand-by period is longer for a user.
With the development of internet, subscriber card also can be obtained by the online application service acquisition provided by issuing bank.But, for it must be provided by the subscriber card of identification checkup, online application cannot realize this process.The solution provided to this is that existing subscriber card is associated with the subscriber card of application, and then the identification checkup carried out by existing subscriber card can be used for aiding in carried out subscriber card online application, the cost of consuming required for saving while security is met.
However, the online application of its subscriber card for the user for not holding subscriber card, then cannot be realized, therefore, for the realization of existing subscriber card, which cannot be applied to all reductions for holding situation to ensure the security and time cost of card granting of user.
The content of the invention
It is an object of the present invention to all situations that hold cannot be applied in solving prior art, and ensure the defect of the reduction of the security and time cost of subscriber card granting in the case of arbitrary holding.
Further object is that providing a kind of information processing method and system for realizing Virtual User card, in the case of which can be applied to all holding, and ensure the reduction of the security and time cost of subscriber card granting.
To solve above-mentioned technical problem, will adopt the following technical scheme that：
A kind of information processing method for realizing Virtual User card, including：
Application information is obtained by the online application page of Virtual User card, Virtual User card application request is initiated to switched service according to the application information；
Receive the authentication page iden-tity that the switched service is returned, the authentication page iden-tity is the switched service according to the application for currently carrying out be whether subscriber card application return again；
The authentication that claim is redirected into the Virtual User card according to the authentication page iden-tity, and the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed；
Receive the Virtual User card information provided by result according to authentication.
A kind of information processing system for realizing Virtual User card, including Mobile payment terminal, the Mobile payment terminal include：
Application initiation module, for obtaining application information by the online application page of Virtual User card, initiates Virtual User card application request to switched service device according to the application information；
Authentication mark receiver module, for receiving the authentication page iden-tity that the switched service device is returned, the authentication page iden-tity is the switched service device according to the application for currently carrying out be whether subscriber card application return again；
Authentication jump module, for redirecting into the Virtual User card authentication for claiming according to the authentication page iden-tity, the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed；
Card information receiver module, for receiving the Virtual User card information provided by result according to authentication.
As shown from the above technical solution，User is application subscriber card，Which can carry out the input of application information by the online application page of Virtual User card，To this，Application information will be obtained by the online application page，To initiate Virtual User card application request to switched service，And receive the authentication page iden-tity of switched service return，The authentication that claim is redirected into Virtual User card according to authentication page iden-tity，To eventually receive the Virtual User card information provided by result according to authentication，It is whether the application return again of subscriber card as to authenticate page iden-tity be change server according to the application for currently carrying out，And for the authentication carried out according to authentication page iden-tity，Which can be authenticated for two card users or video face is signed，Therefore non-card user has been taken into account and card user again，It is applicable to all situations that hold，And ensure that the reduction of the security and time cost of subscriber card granting.
Description of the drawings
Fig. 1 is a kind of structural representation of Mobile payment terminal that the embodiment of the present invention is proposed；
Fig. 2 is the flow chart of the information processing method that Virtual User card is realized in one embodiment；
Fig. 3 is the flow chart of the information processing method that Virtual User card is realized in another embodiment；
Fig. 4 is the flow chart of the information processing method that Virtual User card is realized in another embodiment；
Fig. 5 is the method flow diagram for redirecting into the Virtual User card authentication for claiming in Fig. 1 according to authentication page iden-tity；
Fig. 6 is the flow chart of the information processing method that Virtual User card is realized in another embodiment；
Fig. 7 is the flow chart of the information processing method that Virtual User card is realized in another embodiment；
Fig. 8 is the flow chart of the information processing method that Virtual User card is realized in another embodiment；
Fig. 9 is the system architecture topological diagram that Virtual User card is realized in one embodiment；
Figure 10 is the sequential chart that user carries out Virtual User card application in Fig. 9；
Figure 11 is that the user for not holding subscriber card in Figure 10 carries out the sequential chart of Virtual User card application；
Figure 12 is the sequential chart of quick payment on the line of Virtual User card in one embodiment；
Figure 13 be Virtual User card in one embodiment line under the sequential chart that pays；
Figure 14 is the structural schematic block diagram of Mobile payment terminal in the information processing system for realize in one embodiment Virtual User card；
Figure 15 is the structural schematic block diagram of conversion service device in the information processing system for realize in another embodiment Virtual User card；
Figure 16 is the structural schematic block diagram of card issuer server in the information processing system for realize in another embodiment Virtual User card；
Figure 17 is the structural schematic block diagram of authentication jump module in Figure 14；
Figure 18 is the structural schematic block diagram of forwarding service unit in another embodiment；
Figure 19 is the structural schematic block diagram of card issuer server in another embodiment；
Figure 20 is the structural schematic block diagram of switching service unit in another embodiment.
Specific embodiment
Embody feature of present invention to describe in detail in the following description with the exemplary embodiment of advantage.It should be understood that the present invention can have various changes on different embodiments, which neither departs from the scope of the present invention, and explanation therein and diagram are treated as purposes of discussion in itself, and is not used to limit the present invention.
As previously described, to be capable of achieving security and the relatively low time cost that subscriber card is provided in the case of guaranteeing all holding, spy proposes a kind of information processing method for realizing Virtual User card.This realizes that the information processing method of Virtual User card is realized by computer program, it is corresponding, the constructed information processing system for realizing Virtual User card is then stored in Mobile payment terminal, to run in the Mobile payment terminal, and then realize that the granting of Virtual User card and the online and offline carried out using the Virtual User card pay.
Fig. 1 shows a kind of structure of Mobile payment terminal that the embodiment of the present invention is proposed.The Mobile payment terminal 100 is simply suitable for example of the invention for one, it is impossible to be considered any restriction there is provided the use range to the present invention.The Mobile payment terminal 100 can not be construed to need to rely on or the combination with one or more part in the exemplary Mobile payment terminal 100 for illustrating.
As shown in figure 1, Mobile payment terminal 100 includes processor 110, memory 120 and system bus 130.To be connected on system bus 130 including various groups including memory 120 and processor 110.Processor 110 is one and performs the hardware of computer program instructions for by arithmetic sum logical operation basic in computer system.Memory 120 is a physical equipment for being used to temporarily or permanently store computer program or data.
Wherein, programmed instruction is stored in memory 120；Processor 110 will perform the programmed instruction in memory 120, and respond to detecing audible various operations.
Mobile payment terminal 100 also includes various input interfaces 170, input unit 140, to realize the input of various operations.Wherein, the input unit 140 can be at least one such as Touch screen, button, keyboard and mouse.
Mobile payment terminal 100 also includes storage device 180, and storage device 180 can be selected from various computer-readable recording mediums, and computer-readable recording medium refers to any available medium that can be conducted interviews, including mobile and fixed two media.For example, computer-readable medium and but be not limited to flash memory（Miniature SD card）, CD-ROM, digital versatile disc（DVD）Or other CDs, cassette, tape storage or other storage devices or can be used to store information needed addressable any other medium.
As described in detail above, the Mobile payment terminal 100 for being suitable for the present invention will perform the assigned operation for realizing Virtual User card, i.e., perform the assigned operation by the programmed instruction in 110 run memory 120 of processor.
Additionally, the present invention also can equally be realized with reference to software instruction by hardware circuit or hardware circuit, therefore, realize that the present invention is not limited to any specific hardware circuit, software and a combination of both.
In one embodiment, specifically, this realize Virtual User card information processing method as shown in Fig. 2 including：
Step S210, obtains application information by the online application page of Virtual User card, initiates Virtual User card application request to switched service according to application information.
Subscriber card includes entity user card and Virtual User card, and the entity user card is foregoing subscriber card, i.e., by the debit card of site application and making, credit card etc. under line；And Virtual User card be then by online application obtained by, and need not be attached on entity card, the Virtual User card information that need to only obtain correlation is capable of achieving its payment function.
The online application page of Virtual User card will be realized by Mobile payment terminal, the page loaded by triggering the online application of Virtual User card in the application in its page that can be loaded by browser in Mobile payment terminal, or Mobile payment terminal.
The online application page of Virtual User card includes the list for being available for user to carry out application information input, the application information of input can be acquired by the list, this application information is the relevant information for carrying out submitting required for Virtual User card application, for example, name, ID card No. etc..
After application information is acquired by the online application page of Virtual User card, Virtual User card application request will be initiated to switched service according to application request, to realize that user carries out the entrance of Virtual User card application by the online application page of Virtual User card.
Switched service carries out the Access Layer of Virtual User card application as user by Mobile payment terminal, will receive the Virtual User card application request of Mobile payment terminal initiation, and this is responded.
The switched service can be the server program in server, and the realization of Virtual User card with as Mobile payment terminal is provided and accessed and various services.
In one embodiment, before the step of online application page of Virtual User card obtains application information, the checking of user identity will be carried out also, to judge whether which possesses the authority for carrying out Virtual User card online application, the online application page into Virtual User card further can be redirected after the password authentification for completing ID corresponding to which, and then ensures the identity security of user.Wherein, the password authentification can be the payment cipher that user carries out corresponding to on-line payment, and then be advantageously implemented granting and follow-up on-line payment of Virtual User card etc., and then cause its fusion in an account system, improve security and convenience.
Step S230, receives the authentication page iden-tity that switched service is returned, the authentication page iden-tity is switched service according to the application for currently carrying out be whether subscriber card application return again.
The switched service for receiving Virtual User card application request carries out the checking of precondition, wherein, the precondition will include the correctness of application information in the request of Virtual User card, carry out the situation that holds corresponding to the user of Virtual User card application etc., the return of page iden-tity will accordingly be authenticated according to the result after being verified to this.
The authentication page iden-tity is used to indicate authentication that Mobile payment terminal is subsequently carried out, therefore, the difference of the authentication page iden-tity will also correspond to the authentication that Virtual User card application is carried out in different Mobile payment terminals.
Specifically, the authentication page iden-tity and currently carry out Virtual User card application user corresponding to the situation that holds it is corresponding, wherein, the situation of holding includes not holding subscriber card and has held subscriber card, therefore, the situation of holding for not holding subscriber card has corresponded to the authentication page iden-tity for carrying out video face label, and the situation of holding for having held subscriber card has corresponded to two card users authentication page iden-tity.
It should be noted that above-mentioned described subscriber card can be entity user card and/or Virtual User card, which need to carry out the user and currently whether hold subscriber card and inquired about corresponding authentication page iden-tity is obtained according to application information.
Further, inquire about whether the user holds arbitrary Virtual User card and/or entity user card according to application information, and then carry out authenticating the renewal of page iden-tity according to Query Result, so as to authentication page iden-tity is issued to Mobile payment terminal by switched service.
Step S250, redirects into the Virtual User card authentication for claiming according to authentication page iden-tity, and the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed.
In Mobile payment terminal, after the authentication page iden-tity for receiving switched service return, will redirect into corresponding authentication, and then execution will carry out identification checkup and checking necessary to subscriber card application.
The authentication that the Virtual User card carried out according to authentication page iden-tity is claimed includes two card users authentication and video face is signed, which has been taken into account and has applied for the authentication process carried out by the user of subscriber card and the first authentication process carried out by the user of application subscriber card again, so as to can complete in the case of various users hold user application security requirement, and be suitable for the user for carrying out Virtual User card application in need.
Step S270, receives the Virtual User card information provided by result according to authentication.
The authentication that Virtual User card is claimed terminates to return corresponding authenticating result, and the authenticating result is only authenticated and do not pass through result by result and authentication.
For the card issuer of Virtual User card, if authentication is acquired by result, then illustrate that the user for currently carrying out Virtual User card application possesses the correlated condition for holding Virtual User card, and then the Virtual User card of application can be provided to which.
It is different from entity user card, Virtual User card not entity card as carrier, therefore, its can greatly save make needed for expend cost.The granting of Virtual User card is to provide corresponding Virtual User card information by card issuer to realize, the Virtual User card information includes Virtual User card code name, account（PAN）, amount etc..
Process is realized by Virtual User card as above, meet the security requirement consistent with entity user card, and cause the acquisition of subscriber card to possess real-time, highly shortened the stand-by period of user, the instant application and acquisition in real time of Virtual User card are realized, and then accomplished the application at any time of subscriber card, provided at any time and use at any time.
In one embodiment, as shown in figure 3, before step S230, method as above also includes：
Step S310, carries out the corresponding application information of Virtual User card application by Virtual User card application request extraction in switched service.
The side that switched service is located, after the Virtual User card application request initiated by arbitrary Mobile payment terminal is received, will obtain corresponding application information by Virtual User card application request extraction.
Whether step S330, carries out the corresponding application information of Virtual User card application to card issuer server forwarding, be the inquiry of applying for subscriber card again to initiate the application of Virtual User card.
Card issuer server carries out the carrier of information processing and interaction as card issuer, which stores the information that holds of all users, for the user of subscriber card is held, all its ID card No. will be stored in card issuer server and the mapping of the information that holds, therefore, can be whether the user that applies for subscriber card again to the user that card issuer server inquiry currently carries out Virtual User card application according to application information, so as to take corresponding authentication mode according to Query Result.
Step S350, receives the end value that card issuer server is returned, and is carried out authenticating the renewal of page iden-tity according to end value.
In the case of the information inquiry that carried out holding according to application information, if inquiry is held accordingly, information then extracts contact method from this holds information to card issuer server, and returns the end value formed by the contact method to switched service；If not inquiring about information of held accordingly, then the end value to identify current queries result also will be fed back to switched service.
Switched service after reception obtains the end value returned by card issuer server will carry out authenticating the renewal of page iden-tity, so that the authentication page iden-tity of renewal is handed down to Mobile payment terminal.
Further, in the present embodiment, the Accuracy Verification of application information before step S330, can be also carried out, for example, checks name, ID card No. etc., with the smoothness that the accuracy of farthest guarantee information and Virtual User card are realized.
In one embodiment, as shown in figure 4, before step S350, method as above also includes：
According to the application information for receiving, step S410, in card issuer server, judges that whether the Virtual User card application that carries out is the application again of subscriber card, if it has, then step S430 is entered, if it has not, then entering step S450.
Step S430, returns the corresponding end value of two card users authentication to switched service.
Step S450, comes back for video face to switched service and signs corresponding end value.
That is, foregoing, whether the Virtual User card application that the ID card No. and the mapping relations inquiry held between information that can be stored in passing through card issuer server is currently carried out is the application again of subscriber card.
The release quantity that the user for no matter recording in the information that holds of user holds, and for the authentication process in Virtual User card application, no matter the user has held a subscriber card or multiple subscriber cards, the equal indifference of authentication process involved by which, therefore, only need to inquire about the application again whether the Virtual User card application that currently carried out is subscriber card, and without needing to pay close attention to second application which is subscriber card, or third time application is waited.
Further, in one embodiment, as shown in figure 5, step S250 includes：
Step S251, according to the authentication that authentication page iden-tity triggering is claimed into Virtual User card, obtains and uploads ID Card Image.
The authentication page iden-tity is that switched service is returned according to the application again that the application for currently carrying out is subscriber card, and corresponding, the authentication that Virtual User card is claimed is video face and signs.
During video face is signed, the upload of ID Card Image is carried out first, the ID Card Image includes identity card direct picture and identity card verso images, and which in Mobile payment terminal will import and be uploaded in switched service.
Switched service will be encrypted storage to the ID Card Image for receiving.
Step S253, reception obtain the face of switched service transmission and sign director information, and are shown in the authentication page.
The Mobile payment terminal of face label is currently carried out by receiving plane label director information, and is shown, the face that the face is signed director information and is used to guide user currently to be carried out is signed.
Specifically, director information is signed in face includes plurality of kinds of contents, and the execution stage which can be by switched service according to corresponding to Mobile payment terminal carries out face label issues respectively；Also can once be issued by switched service, and Mobile payment terminal is shown respectively to which, and then realize that the progressively guide of process is signed in face for user.
Wherein, director information is signed in face includes that starting video record instruction, face label action indicates strategy and label, authorizes the contents such as word.
For example, when lower fermentation signs director information to switched service stage by stage, Mobile payment terminal will be firstly received startup video record and instruct, and this is, will start video record according to video record instruction is started, and notify that user carries out face label and prepares by authenticating the page.
The action of Mobile payment terminal receiving plane label indicates strategy and label, wherein, the face label action indicates that strategy makes a series of action to strategy as indicated for guiding user, and label will carry out the mark of action in the media data for obtaining.
Specifically, the display of the instruction strategy of face label action is carried out in the authentication page of Mobile payment terminal, with a series of actions required for guiding user to appear to sign, the video record for now starting will collect corresponding media data, and add corresponding label in the media data corresponding to each action, and then obtain including the media data of action fragment and label.
After the action for completing face label is guided, switched service will will issue mandate word to Mobile payment terminal, at the appointed time read aloud the mandate word with instruction user, and the video record of startup also will carry out the collection of media data to this.
Step S255, signs the guide carried out by director information by authenticating face in the page, and the face carried out to user is signed behavior and carries out the collection of media data.
Step S257, reports media data to switched service, to initiate the authentication that Virtual User card is claimed to switched service.
Switched service receives and obtains media data that Mobile payment terminal reported and encrypt storage, for subsequent read.
Further, in the present embodiment, as shown in fig. 6, after step S250, method as described before also includes：
Step S510, passes through ID Card Image in switched service and media data initiates identity information match query, to obtain the inquiry for returning mark.
Switched service will dock Ministry of Public Security's system, send ID Card Image and media data, and then carry out identity information match query by Ministry of Public Security's system in Ministry of Public Security's system of docking, to obtain the scoring of corresponding face label and inquire about mark, and associated storage.
Step S530, reports inquiry mark and application information to card issuer server.
In switched service, after the inquiry for receiving return is identified, also application information and inquiry mark will be reported to card issuer server, so that card issuer is able to the first trial for this information being carried out to Virtual User card granting.
Further, in the present embodiment, as shown in fig. 7, after step S530, method as above also includes：
Step S610, obtains the corresponding face of inquiry mark by card issuer server and signs scoring.
Corresponding relation according to inquiring about between mark and face label scoring obtains the corresponding face label scoring of face label completed by Mobile payment terminal.
Step S630, signs the card process of opening for carrying out Virtual User card with application information of scoring and obtains Virtual User card information according to face.
Step S650, issues Virtual User card information.
The Virtual User card information for obtaining is handed down to Mobile payment terminal by card issuer server, so that the Virtual User card information that the Mobile payment terminal can pass through to issue completes payment behavior.
Between card issuer server and Mobile payment terminal, Virtual User card information issues passage and can be realized by forwarding server, and other channels that can also pass through card issuer realize.
In one embodiment, after step S630, method as above also includes：
By the Virtual User card identity map in Virtual User card information to corresponding ID, to obtain the mapping relations between Virtual User card mark and ID, and it is stored in switched service.
The mapping and ID between is identified by Virtual User card, realize the quick payment binding of Virtual User card, and then cause what is subsequently carried out to pay and can bind by the quick payment of Virtual User card, mapping relations realization i.e. between Virtual User card mark and ID, improves the convenience that Virtual User card is used.
Further, in another embodiment, as shown in figure 8, after step S270, method as above also includes：
Step S710, reception obtain the payment request initiated via the on-line payment page, specify parameter and ID according to acquisition request payment is paid.
The ID and corresponding password are user and carry out payment accounts and payment cipher corresponding to on-line payment.Therefore, the payment cipher of input in the on-line payment page for paying specified parameter and ID is contained, will be obtained, to trigger payment behavior, will be asked with initiating to pay to switched service.
The payment request will include payment cipher, to complete the authentication for paying by payment cipher, after being completed with the response in the payment request, acquire payment and specify parameter and ID.
Step S730, obtains the corresponding Virtual User card mark of ID according to the mapping relations stored in switched service.
As previously described, the mapping relations between ID and Virtual User card mark are stored in switched service, therefore, the switched service for acquiring ID in payment request will obtain corresponding mapping relations according to ID lookup, and then thus mapping relations obtain corresponding Virtual User card mark.
Step S750, identifies according to Virtual User card and pays and specify parameter to initiate to pay.
As switched service is only that the application to Virtual User card and on-line payment provide virtual access and service, which cannot realize any subscriber card function, this will be realized by the card issuer of subscriber card, therefore switched service will initiate payment to card issuer server, with the function such as realize withholing accordingly.
In another embodiment, after step S630, method as above also includes：
Pay markization process is carried out to the Virtual User card mark in Virtual User card information and gets paid token, and added to Virtual User card information.
Payment token is the substitution value of Virtual User card mark, is circulated in the links for paying, to improve the simplification of each link data.
In another embodiment, the Virtual User card mark in the above-mentioned card information to Virtual User carries out pay markization process and gets paid token, and adds to after the step of Virtual User card information, and methods described also includes：
Payment token in Virtual User card information is write SE safety chips by the Mobile payment terminal for receiving Virtual User card information.
To realize that Mobile payment terminal passes through to pay under the line carried out by Virtual User card, will be write in the SE safety chips of Mobile payment terminal, so that the Mobile payment terminal is paid under the enterprising line of POS by NFC technique.
The above-mentioned information processing method for realizing Virtual User card is elaborated with reference to a specific embodiment.In the embodiment, the present invention is can be found in shown in Fig. 9 to the system architecture for realizing Virtual User card, be its can pass through Mobile payment terminal 810, the adapter coupling servers 830 and card issuer server 850 of carrying switched service be constituted, so that payment in the granting and line of Virtual User card, under line is realized by the interaction between this three.Wherein, the Mobile payment terminal 810 can be arbitrary terminal device for possessing NFC function.
Wherein, when program process as shown in Figure 10, the Mobile payment terminal 810 that user can be entrained by which carry out card application, that is, initiate the application of Virtual User card.
Before this, user will carry out relevent users' identities and payment cipher in Mobile payment terminal 810, to carry out the checking of user identity, so that Mobile payment terminal 810 currently possesses the authority that can carry out Virtual User card online application, and then the online application page into Virtual User card is redirected.
In Mobile payment terminal, the application informations such as the name of user input, ID card No. are obtained by the online application page of the Virtual User card for showing, Mobile payment terminal 810 will initiate Virtual User card application request, i.e. S930 to S940 to adapter coupling servers 830 accordingly.
Adapter coupling servers 830 carry out the accuracy testing of application information according to the Virtual User card application request for receiving, and initiate preposition checking, i.e. S950 and S960 to card issuer server 850.
Whether the Virtual User card for checking present application is held the second card or n-th card in subscriber card by card issuer server 850 as user, and the n is the arbitrary integer more than 2, if, S980 is performed then, to carry out two card user authentications, if it is not, then performing when program process as shown in figure 11.
It should be noted that the subscriber card that user as above holds then refers to the effective card that user holds.
In the end value that the return of card issuer server 850 is obtained by S980, i.e. user is reserved in the phone number of card issuer, and authentication page iden-tity is accordingly updated, to return the authentication page iden-tity to Mobile payment terminal 810, and then redirect into the corresponding short-message verification page.
Adapter coupling servers 830 will call short message verification code service to carry out short-message verification to Mobile payment terminal 810 by the phone number.
Specifically, adapter coupling servers 830 call short message verification code service to send short message verification code to Mobile payment terminal 810, for Mobile payment terminal 810, which will report short message verification code by the short-message verification page, so that adapter coupling servers 830 carry out short-message verification to this, and be verified it is rear report application information to card issuer server 850, that is, perform S1030.
Card issuer server 850 checked to this to complete to open accordingly card process, obtains Virtual User card information.
Now, the markization that quick payment signing and Virtual User card mark that S1050 and S1060 carries out Virtual User card can be performed respectively is processed, in order to the asynchronous binding procedure between Virtual User card and ID is subsequently realized in adapter coupling servers 830, Virtual User card can carry out quick payment accordingly.
And in Virtual User card information pay markization process the payment token that obtains, will be written in Mobile payment terminal 810, to realize paying under the line corresponding to which.
As shown in figure 11, if user does not hold subscriber card, then need the application that video face label can realize Virtual User card is completed in Mobile payment terminal, to obtain corresponding Virtual User card information.
The execution of the S970 by described in Figure 10, by into the when program process described in Figure 11, is signed with starting video face.
S2000 is performed in Mobile payment terminal 810, to carry out the upload of ID Card Image, i.e. identity card positive and negative photo, now, adapter coupling servers 830 will be encrypted storage to this.
The Mobile payment terminal 810 for completing ID Card Image upload is received the instruction of startup video record, the action of face label that adapter coupling servers 830 issue respectively and indicates strategy and label, authorizes the faces such as word to sign director information, and this is responded, to obtain the media data required for the label process of video face, that is, perform the implementation procedure between S2020 to S2110.
The media data is uploaded in adapter coupling servers 830, and adapter coupling servers 830 are by the inquiry mark for docking asynchronous upload media data and ID Card Image to obtain its return with Ministry of Public Security's system.
Adapter coupling servers 830 will inquire about mark and application information reports card issuer server 850, so that card issuer server 850 carries out out card process.
In the application for realizing Virtual User card, to acquire corresponding Virtual User card information, and complete quick payment setting and payment token after the write of Mobile payment terminal, user can be sticked into using the Virtual User pay on line and line under pay.
Wherein, on the line realized by Virtual User card, quick payment is as shown in figure 12.
For paying under the line of Virtual User card, as shown in figure 13, the amount of money that trade company is paid required for being input in POS, and start preparation of swiping the card, wait user operation.
And user will be interacted Mobile payment terminal 810 near POS by APDU instructions, to read payment token, and deliver to card issuer server 850 on tissue network by blocking.
Card issuer server 850 will recognize the payment token, to process this, realize withholing, and return result of withholing to POS.The POS for receiving result of withholing will complete to pay.
In one embodiment, a kind of information processing system for realizing Virtual User card is also correspondingly provided, as shown in figure 14, including Mobile payment terminal 20, the Mobile payment terminal 20 includes applying for initiation module 210, authentication mark receiver module 230, authenticates jump module 250 and card information receiver module 270, wherein：
Application initiation module 210, for obtaining application information by the online application page of Virtual User card, initiates Virtual User card application to switched service device according to application information and asks.
Authentication mark receiver module 230, for receiving the authentication page iden-tity of switched service device return, the authentication page iden-tity is conversion service device according to the application for currently carrying out be whether subscriber card application return again.
Authentication jump module 250, for redirecting into Virtual User card the authentication for claiming according to authentication page iden-tity, the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed.
Card information receiver module 270, for receiving the Virtual User card information provided by result according to authentication.
In one embodiment, as shown in figure 15, system as above also includes switched service device 50, and the switched service device 50 includes application information extraction module 510, hold inquiry initiation module 530 and end value receiver module 550, wherein：
Application information extraction module 510, for carrying out the corresponding application information of Virtual User card application by Virtual User card application request extraction.
Whether hold inquiry initiation module 530, for carrying out the corresponding application information of Virtual User card application to card issuer server forwarding, be the inquiry of applying for subscriber card again to initiate the application of Virtual User card.
End value receiver module 550, for receiving the end value of card issuer server return, and carries out authenticating the renewal of page iden-tity according to end value.
As shown in figure 16, in one embodiment, system as above also includes card issuer server 80, and the card issuer server 80 includes holding enquiry module 810 and end value issues module 830, wherein：
Hold enquiry module 810, for judging that whether the Virtual User card application that carries out is the application again of subscriber card according to the application information for receiving, if yes, then notifying, end value issues module 830 and the corresponding end value of two card users authentication returned to switched service device 50, if it has not, then notifying that end value issues module 830 and comes back for the corresponding end value of video face label to switched service device 50.
Further, as shown in figure 17, in one embodiment, the authentication jump module 250 includes identity card uploading unit 251, guides receiving unit 253, collecting unit 255 and media data reporting unit 257, wherein：
Identity card uploading unit 251, for the authentication claimed into Virtual User card according to authentication page iden-tity triggering, obtains and uploads ID Card Image；
Receiving unit 253 is guided, and director information is signed for receiving the face for obtaining the transmission of switched service device 50, and is shown in the authentication page；
Collecting unit 255, for signing the guide carried out by director information by authenticating face in the page, the face carried out to user is signed behavior and carries out the collection of media data；
Media data reporting unit 257, for reporting media data to switched service device 50, to initiate the authentication that Virtual User card is claimed to switched service device.
Further, as shown in figure 18, in one embodiment, the switched service device 50 includes match query initiation module 610 and inquiry reporting module 630, wherein：
Match query initiation module 610, for initiating identity information match query by identity image and media data, to obtain the inquiry for returning mark.
Inquiry reporting module 630, for reporting inquiry mark and application information to card issuer server 80.
Further, as shown in figure 19, in one embodiment, card issuer server 80 also includes scoring enquiry module 910, opens card processing module 930 and card information issues module 950, wherein：
Scoring enquiry module 910, signs scoring for obtaining the corresponding face of inquiry mark.
Card processing module 930 is opened, the card process of opening for Virtual User card is carried out according to face label scoring and application information obtains Virtual User card information.
Card information issues module 950, for issuing Virtual User card information.
In one embodiment, as shown in figure 20, the switched service device 50 also includes mapping block.Mapping block is for by the Virtual User card identity map in Virtual User card information to corresponding ID, to obtain the mapping relations between Virtual User card mark and ID, and storing.
Further, in the present embodiment, switched service device as above 50 also includes paying request processing module 710, identifier acquisition module 730 and payment initiation module 750, wherein：
Request processing module 710 is paid, the payment request initiated via the on-line payment page is obtained for receiving, paid according to payment acquisition request and specify parameter and ID.
Identifier acquisition module 730, for obtaining the corresponding Virtual User card mark of ID according to the mapping relations of storage.
Initiation module 750 is paid, specifies parameter to initiate to pay for being identified according to Virtual User card and being paid.
In one embodiment, card issuer server 80 as above also includes markization processing module, the mark processing module gets paid token for carrying out pay markization process to the Virtual User card mark in Virtual User card information, and adds to Virtual User card information.
Further, in the present embodiment, Mobile payment terminal as above 20 also include writing module, the writing module for by Virtual User card information payment token write SE safety chips.
One of ordinary skill in the art will appreciate that realizing that all or part of step of above-described embodiment can be completed by hardware, the hardware of correlation can also be instructed by program to complete, described program can be stored in a kind of computer-readable recording medium, storage medium mentioned above can be read-only storage, disk or CD etc..
Although describing the present invention with reference to several exemplary embodiments, it is to be understood that, term used is explanation and exemplary, and nonrestrictive term.As the present invention can be embodied as in a variety of forms without deviating from the spiritual or substantive of invention, it is to be understood that, above-mentioned embodiment is not limited to any aforesaid details, and should widely explain in the spirit and scope limited by appended claims, therefore the whole changes in falling into claim or its equivalent scope and remodeling all should be appended claims and covered.
Claims (20)
1. a kind of information processing method for realizing Virtual User card, it is characterised in that include：
Application information is obtained by the online application page of Virtual User card, Virtual User card application request is initiated to switched service according to the application information；
Receive the authentication page iden-tity that the switched service is returned, the authentication page iden-tity is the switched service according to the application for currently carrying out be whether subscriber card application return again；
The authentication that claim is redirected into the Virtual User card according to the authentication page iden-tity, and the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed；
Receive the Virtual User card information provided by result according to authentication.
2. method according to claim 1, it is characterised in that before the step of the authentication page iden-tity that the reception switched service is returned, methods described also includes：
The corresponding application information of Virtual User card application is carried out by Virtual User card application request extraction in the switched service；
The corresponding application information of Virtual User card application is carried out to card issuer server forwarding is described, to initiate the inquiry whether Virtual User card application is application subscriber card again；
The end value that the card issuer server is returned is received, and is carried out authenticating the renewal of page iden-tity according to the end value.
3. method according to claim 2, it is characterised in that the end value that the reception card issuer server is returned, and before carrying out the step of authenticating the renewal of page iden-tity according to the end value, methods described also includes：
In the card issuer server, according to the application information for receiving judge to carry out it is virtual with card application be whether subscriber card application again, if it has, then to the switched service return two card users authenticate corresponding to end value, if it has not, then
Video face is come back for the switched service and signs corresponding end value.
4. method according to claim 1, it is characterised in that described to include the step of redirect the authentication claimed into the Virtual User card according to the authentication page iden-tity：
According to the authentication that the authentication page iden-tity triggering is claimed into Virtual User card, obtain and upload ID Card Image；
Reception obtains the face label director information that the switched service sends, and is shown in the authentication page；
The guide carried out by director information is signed by face in the authentication page, the face carried out to user is signed behavior and carries out the collection of media data；
The media data is reported to switched service, the authentication that Virtual User card is claimed is initiated to the switched service.
5. method according to claim 4, it is characterised in that described to redirect into after the step of the authentication that the Virtual User card is claimed according to the authentication page iden-tity, methods described also includes：
Identity information match query is initiated by the ID Card Image and media data in the switched service, to obtain the inquiry for returning mark；
The inquiry mark and application information are reported to card issuer server.
6. method according to claim 5, it is characterised in that it is described to card issuer server report the inquiry mark and application information the step of after, methods described also includes：
The corresponding face of the inquiry mark is obtained by the card issuer server and signs scoring；
Sign the card process of opening for Virtual User card being carried out with application information of scoring according to the face obtain the Virtual User card information；
Issue the Virtual User card information.
7. method according to claim 6, it is characterised in that described to sign scoring according to the face and application information carries out the opening after card processes the step of obtaining the Virtual User card information of Virtual User card, methods described also includes：
By the Virtual User card identity map in the Virtual User card information to corresponding ID, to obtain the mapping relations between Virtual User card mark and ID, and it is stored in switched service.
8. method according to claim 7, it is characterised in that after the reception is according to the step of the Virtual User card information provided by result, methods described also includes：
Reception obtains the payment request initiated via the on-line payment page, is paid according to the payment acquisition request and specifies parameter and ID；
Mapping relations according to storing in the switched service obtain the corresponding Virtual User card mark of the ID；
Identified according to the Virtual User card and paid and specify parameter to initiate to pay.
9. method according to claim 6, it is characterised in that described to sign scoring according to the face and application information carries out the opening after card processes the step of obtaining the Virtual User card information of Virtual User card, methods described also includes：
Pay markization process is carried out to the Virtual User card mark in Virtual User card information and gets paid token, and added to Virtual User card information.
10. method according to claim 9, it is characterised in that the Virtual User card mark in the card information to Virtual User carries out pay markization and process getting paid token, and adds to after the step of Virtual User card information, and methods described also includes：
Payment token in the Virtual User card information is write SE safety chips by the Mobile payment terminal for receiving the Virtual User card information.
11. a kind of information processing systems for realizing Virtual User card, it is characterised in that including Mobile payment terminal, the Mobile payment terminal includes：
Application initiation module, for obtaining application information by the online application page of Virtual User card, initiates Virtual User card application request to switched service device according to the application information；
Authentication mark receiver module, for receiving the authentication page iden-tity that the switched service device is returned, the authentication page iden-tity is the switched service device according to the application for currently carrying out be whether subscriber card application return again；
Authentication jump module, for redirecting into the Virtual User card authentication for claiming according to the authentication page iden-tity, the authentication that the Virtual User card is claimed includes that two card users authentication and video face are signed；
Card information receiver module, for receiving the Virtual User card information provided by result according to authentication.
12. systems according to claim 11, it is characterised in that the system also includes switched service device, the switched service device includes：
Application information extraction module, for carrying out the corresponding application information of Virtual User card application by Virtual User card application request extraction；
Hold inquiry initiation module, for carrying out the corresponding application information of Virtual User card application to card issuer server forwarding is described, to initiate the inquiry whether Virtual User card application is application subscriber card again；
End value receiver module, for receiving the end value that the card issuer server is returned, and carries out authenticating the renewal of page iden-tity according to the end value.
13. systems according to claim 12, it is characterised in that the system also includes card issuer server, the card issuer server includes holding enquiry module and end value issues module, wherein：
It is described to hold enquiry module for judging that whether the Virtual User card application that carries out is the application again of subscriber card according to the application information for receiving, if yes, then notifying, the end value issues module and the corresponding end value of two card users authentication returned to the switched service device, if it has not, then notifying that the end value issues module and comes back for the corresponding end value of video face label to the switched service device.
14. systems according to claim 11, it is characterised in that the authentication jump module includes：
Identity card uploading unit, for the authentication claimed into Virtual User card according to the authentication page iden-tity triggering, obtains and uploads ID Card Image；
Receiving unit is guided, for receiving the face label director information for obtaining that the switched service device sends, and the authentication page is shown in；
Collecting unit, for signing the guide carried out by director information by face in the authentication page, the face carried out to user is signed behavior and carries out the collection of media data；
Media data reporting unit, for reporting the media data to switched service device, to initiate the authentication that Virtual User card is claimed to the switched service device.
15. systems according to claim 14, it is characterised in that the switched service device also includes：
Match query initiation module, for initiating identity information match query by the ID Card Image and media data, to obtain the inquiry for returning mark；
Inquiry reporting module, for reporting the inquiry mark and application information to the card issuer server.
16. systems according to claim 15, it is characterised in that the card issuer server also includes：
Scoring enquiry module, signs scoring for obtaining the corresponding face of the inquiry mark；
Card processing module is opened, the card process of opening for Virtual User card is carried out according to face label scoring and application information obtains the Virtual User card information；
Card information issues module, for issuing the Virtual User card information.
17. systems according to claim 16, it is characterised in that the switched service device also includes：
Mapping block, for by the Virtual User card identity map in the Virtual User card information to corresponding ID, to obtain the mapping relations between Virtual User card mark and ID, and storing.
18. systems according to claim 17, it is characterised in that the switched service device also includes：
Request processing module is paid, the payment request initiated via the on-line payment page is obtained for receiving, paid according to the payment acquisition request and specify parameter and ID；
Identifier acquisition module, for obtaining the corresponding Virtual User card mark of the ID according to the mapping relations of storage；
Initiation module is paid, specifies parameter to initiate to pay for being identified according to Virtual User card and being paid.
19. systems according to claim 16, it is characterised in that the card issuer server also includes：
Markization processing module, gets paid token for carrying out pay markization process to the Virtual User card mark in Virtual User card information, and adds to Virtual User card information.
20. systems according to claim 19, it is characterised in that the Mobile payment terminal also includes：
Writing module, for receiving the Mobile payment terminal of the Virtual User card information by the payment token write SE safety chips in the Virtual User card information.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
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| CN201510641134.6A CN106557972B (en) | 2015-09-30 | 2015-09-30 | Information processing method and system for realizing virtual user card |
| PCT/CN2016/100176 WO2017054693A1 (en) | 2015-09-30 | 2016-09-26 | Information processing method and system for realizing virtual subscriber card, mobile payment terminal and storage medium |
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| CN201510641134.6A CN106557972B (en) | 2015-09-30 | 2015-09-30 | Information processing method and system for realizing virtual user card |
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| WO2017054693A1 (en) | 2017-04-06 |
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