CN106713248A - Online virtual card application method, user terminal and online virtual card application system - Google Patents

Online virtual card application method, user terminal and online virtual card application system Download PDF

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Publication number
CN106713248A
CN106713248A CN201510791517.1A CN201510791517A CN106713248A CN 106713248 A CN106713248 A CN 106713248A CN 201510791517 A CN201510791517 A CN 201510791517A CN 106713248 A CN106713248 A CN 106713248A
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CN
China
Prior art keywords
card
authentication server
user
server
sent
Prior art date
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.)
Granted
Application number
CN201510791517.1A
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Chinese (zh)
Other versions
CN106713248B (en
Inventor
郭懿心
韦德志
杨耿彬
郑伟涛
吴文勤
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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Publication date
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Priority to CN201510791517.1A priority Critical patent/CN106713248B/en
Publication of CN106713248A publication Critical patent/CN106713248A/en
Application granted granted Critical
Publication of CN106713248B publication Critical patent/CN106713248B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • 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
    • 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
    • G06Q20/34—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
    • 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
    • G06Q20/38—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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication

Abstract

The invention relates to an online virtual card application method, which comprises the steps that verification is performed on a password; a verification server sends an instruction strategy of uploading pictures of the front and the back of an identity card when a card issuing mechanism server judges a user is a first card user; the acquired pictures of the front and the back of the identity card to the verification server; a public security ministry system performs matching degree scoring on pictures captured when the user performs corresponding operations, the pictures of the front and the back of the identity card and information of an application card; the card issuing mechanism server performs preposed verification on the information of the application card and reversely checks the matching degree score through an identity number for future reference, then acquires a card code, performs quick contract signing and tokenized processing of a main card number, and sends the card code and the tokenized main card number to the verification server; and the card code and a token of the main card number which are sent by the verification server are received, and the token is written into a security chip. The invention further provides a user terminal and an online virtual card application system. The online virtual card application method, the user terminal and the online virtual card application system have high convenience and high quickness.

Description

A kind of method of online application virtual card, user terminal, the system of online application virtual card
Technical field
The present invention relates to computer communication technology field, more particularly to a kind of side of online application virtual card Method, user terminal, the system of online application virtual card.
Background technology
Distribution virtual card, blocks issuer and typically requires that applicant carries identity card original paper and arrives in person at present Sales counter is handled, and requires that user signs in person, it is necessary to make right after the verification of card issuer The entity virtual card answered, whole process high cost, overlong time.
The solution of prior art is that requirement user binding one passes through the entity card that line is signed below Verification identity is carried out to help, needs user simpler to counter top label although the program is compared, It is required that user needs to have entity card and is ready these crucial card informations to be given to third party, to The threshold at heart that family uses is also higher.
The content of the invention
In view of this, the present invention is provided on a kind of method of online application virtual card, user terminal, line The system for applying for virtual card, without being signed below line, with convenience and agility higher.
The embodiment of the present invention provides a kind of method of online application virtual card, is applied to user terminal, institute Stating the method for online application virtual card includes obtaining the password of account, and the password is sent to checking Server, so that the authentication server is verified to the password；The letter of the application card that will be obtained Breath sends to card issuer server, the letter of the application card after being verified via the authentication server Breath at least includes any one in user's name, identity code, is existed with receiving the authentication server The upload identity card that card issuer server sends when judging the user for the first card user is just The instruction strategy of reverse side photo；According to the instruction strategy of the upload identity card positive and negative photo for receiving The prompting input positive and negative photo of identity card, and the positive and negative photo of the identity card for obtaining is sent to described and tests Card server；After the instruction strategy for receiving the video face label that the authentication server sends, point out to use Family is operated accordingly, and the picture of interception is sent to described when the user is carried out into corresponding operating Authentication server, so that the picture of interception when the user is carried out corresponding operating by the authentication server, The positive and negative photo of identity card, the information of the application card are sent to Ministry of Public Security's system, so that described The Ministry of Public Security's system user is carried out the picture of interception during corresponding operating, the positive and negative photo of the identity card, The information of the application card pass through after matching degree scoring by the authentication server by identification number for future reference Send to card issuer server, and make card issuer's server to the application The information of card carries out preposition checking and is looking into the matching degree scoring by the way that the identification number for future reference is counter Afterwards, obtain card code name and sent to the checking after carrying out quick signing and the marking of main card number treatment Server, with cause the authentication server call it is quick tie up card service and carry out fast tying up card, and by institute State card code name, the mark of main card number is sent to the user terminal；The authentication server is received to send The card code name, the mark of the main card number, and by it is described mark write safety chip.
The present invention also provides a kind of method of online application virtual card, is applied to user terminal, checking clothes Between business device and card issuer server, the method for the online application virtual card includes the use Family terminal obtains the password of account, and the password is sent to authentication server；The service for checking credentials Device is verified to the password；The information of the application card that the user terminal will be obtained is tested via described Sent after card server authentication to card issuer server, the information of the application card at least includes using Name in an account book claims, in identity code any one；Card issuer server judges that the user is No is non-first card user；If the user is the first card user, the authentication server sends and uploads The instruction strategy of identity card positive and negative photo is to the user terminal；The user terminal is according to reception The instruction strategy prompting input positive and negative photo of identity card for uploading identity card positive and negative photo, and will be defeated The positive and negative photo of the identity card for entering is sent to the authentication server；The user terminal is receiving institute After stating the instruction strategy of video face label of authentication server transmission, user is pointed out to be operated accordingly, And the picture of interception is sent to the authentication server when user is carried out into corresponding operating；It is described to test The picture of interception when the user is carried out corresponding operating by card server, the positive and negative photo of the identity card, The information of the application card is sent to Ministry of Public Security's system；Ministry of Public Security's system carries out phase to the user The picture that is intercepted when should operate, the positive and negative photo of the identity card, the information of the application card are matched Pass through to be sent to the card issuer identification number for future reference by the authentication server after degree scoring and service Device；Card issuer's server carries out preposition checking and is passing through in the information to the application card The identification number for future reference is counter look into the matching degree scoring after, obtain card code name and carry out quick signing and Sent to the authentication server after the marking treatment of main card number；The authentication server is called fast Tying up card service carries out fast tying up card, and the mark of the card code name, main card number is sent to the user Terminal；The user terminal receives the card code name, the main card number that the authentication server sends Mark, and by it is described mark write safety chip.The present invention also provides a kind of user terminal, described User terminal includes first password transmitting element, application card information transmitting element, instruction Policy receipt list Unit, Tip element, photo transmitting element, interception unit.First password transmitting element is used to receive account The password at family, and the password is sent to authentication server, so that the authentication server is to described Password is verified；Application card information transmitting element be used for the information of the application card that will be received via Sent after the authentication server checking to card issuer server, the information of the application card is at least Including in user's name, identity code any one so that the card issuer server judges Whether the user is non-first card user.Instruction Policy receipt unit is used to receive the service for checking credentials The upload identity that device sends when card issuer server judges the user for the first card user Demonstrate,prove the instruction strategy of positive and negative photo.Tip element is used for positive and negative according to the upload identity card for receiving The instruction strategy prompting input positive and negative photo of identity card of face photo.Photo transmitting element is used for input The positive and negative photo of identity card is sent to the authentication server.Interception unit is used to be tested described in reception After the instruction strategy that the video face that card server sends is signed, user is pointed out to be operated accordingly, and will The picture of interception is sent to the authentication server when user carries out corresponding operating, so that described test The picture of interception when the user is carried out corresponding operating by card server, the positive and negative photo of the identity card, The information of the application card is sent to Ministry of Public Security's system, so that Ministry of Public Security's system is to the user The picture of interception, the positive and negative photo of the identity card, the information of the application card are entered when carrying out corresponding operating Through being sent to the card issuing machine identification number for future reference by the authentication server after the scoring of row matching degree Structure server, and card issuer's server is carried out preposition testing in the information to the application card Card and looking into after the matching degree scores by the way that the identification number for future reference is counter, obtaining card code name is simultaneously carried out Sent to the authentication server after quick signing and the marking of main card number treatment, to cause described testing Card server calls fast tie up card service and carry out fast tying up card, and send the card code name, main card number Mark.
The present invention also provides a kind of system of online application virtual card, and the online application virtual card is System includes：User terminal, authentication server and card issuer server；The user terminal is used In the password of reception account, and the password is sent to authentication server；The authentication server is used Verified in the password；The user terminal is additionally operable to the information by the application card via institute Sent to card issuer server after stating authentication server checking, the information of the application card is at least wrapped Any one in user's name, identity code is included, so that card issuer server judges institute State whether user is non-first card user；The authentication server is additionally operable to sentence in the authentication server When the user of breaking is the first card user, then the instruction strategy of the upload identity card positive and negative photo for sending To the user terminal；The user terminal is additionally operable to according to the upload identity card positive and negative for receiving The instruction strategy prompting input positive and negative photo of identity card of photo, and the positive reflection of light of the identity card that will be input into Piece is sent to the authentication server；The user terminal is additionally operable to receiving the authentication server hair After the instruction strategy that the video face sent is signed, user is pointed out to be operated accordingly, and the user is entered The picture intercepted during row corresponding operating is sent to the authentication server；The authentication server is additionally operable to Picture, the positive and negative photo of the identity card, the application of interception when the user carried out into corresponding operating The information of card is sent to Ministry of Public Security's system, and the user is carried out accordingly with by Ministry of Public Security's system The picture that is intercepted during operation, the positive and negative photo of the identity card, the information of the application card carry out matching degree Pass through to be sent to the card issuer identification number for future reference by the authentication server after scoring and service Device；The card issuer server be additionally operable to the information to the application card carry out preposition checking and Looking into after the matching degree scores by the way that the identification number for future reference is counter, obtain card code name simultaneously carry out it is quick Sent to the authentication server after signing and the marking of main card number treatment.
The method of online application virtual card that the present invention is provided, user terminal, online application virtual card System so that user can apply for virtual card when for non-first card user on direct-on-line, and need not enter Signed below line, and directly carry out fast tying up card after credit card issuer hair fastener, with convenience higher with Agility.
It is that above and other objects, features and advantages of the invention can be become apparent, it is cited below particularly Preferred embodiment, and coordinate institute's accompanying drawings, it is described in detail below.
Brief description of the drawings
Fig. 1 shows a kind of structure chart of user terminal.
The structure chart of the user terminal that Fig. 2 is provided for first embodiment of the invention.
The structure chart of the user terminal that Fig. 3 is provided for second embodiment of the invention.
The structure chart of the user terminal that Fig. 4 is provided for third embodiment of the invention.
The structure chart of the user terminal that Fig. 5 is provided for fourth embodiment of the invention.
The structure chart of the authentication server that Fig. 6 is provided for fifth embodiment of the invention.
The structure chart of the card issuer server that Fig. 7 is provided for sixth embodiment of the invention.
The structure chart of the system of the online application virtual card that Fig. 8 is provided for seventh embodiment of the invention.
The flow chart of the method for the online application virtual card that Fig. 9 is provided for eighth embodiment of the invention.
The timing diagram of the method for the online application virtual card that Figure 10 is provided for eighth embodiment of the invention.
The flow chart of the method for the online application virtual card that Figure 11 is provided for ninth embodiment of the invention.
The timing diagram of the method for the online application virtual card that Figure 12 is provided for ninth embodiment of the invention.
The flow chart of the method for the online application virtual card that Figure 13 is provided for tenth embodiment of the invention.
The flow chart of the method for the online application virtual card that Figure 14 is provided for eleventh embodiment of the invention.
The flow chart of the method for the online application virtual card that Figure 15 is provided for twelveth embodiment of the invention.
Specific embodiment
Further to illustrate the present invention to realize technological means and work(that predetermined goal of the invention taken Effect, below in conjunction with accompanying drawing and preferred embodiment, to according to specific embodiment of the invention, structure, Feature and its effect, describe in detail as after.
Fig. 1 shows a kind of structured flowchart of user terminal.As shown in figure 1, user terminal includes depositing Reservoir 102, storage control 104, one or more (one is only shown in figure) processors 106, Peripheral Interface 108, radio-frequency module 110, locating module 112, photographing module 114, audio-frequency module 116, Touch Screen 118 and key-press module 120.These components pass through one or more communication bus/signal Line is mutually communicated.
It is appreciated that the structure shown in Fig. 1 is only to illustrate, user terminal may also include than institute in Fig. 1 Show more or less components, or with the configuration different from shown in Fig. 1.Shown in Fig. 1 Each component can be realized using hardware, software or its combination.
Memory 102 can be used for store software program and module, such as in the embodiment of the present invention with Corresponding programmed instruction/the module of method of online application virtual card is carried out in the terminal of family, processor 102 leads to Software program and module of the operation storage in memory 104 are crossed, so as to perform various function application And data processing, that is, realize the above-mentioned method that online application virtual card is carried out in user terminal.
Memory 102 may include high speed random access memory, may also include nonvolatile memory, such as one Individual or multiple magnetic storage devices, flash memory or other non-volatile solid state memories.At some In example, memory 102 can further include the memory remotely located relative to processor 106, These remote memories can be by network connection to user terminal.The example of above-mentioned network include but not It is limited to internet, intranet, LAN, mobile radio communication and combinations thereof.Processor 106 with And access of other possible components to memory 102 can be carried out under the control of storage control 104.
Various input/output devices are coupled to CPU and memory 102 by Peripheral Interface 108.Treatment Various softwares in the run memory 102 of device 106, instruction with perform the various functions of user terminal with And carry out data processing.
In certain embodiments, Peripheral Interface 108, processor 106 and storage control 104 can be with Realized in one single chip.In some other example, they can be realized by independent chip respectively.
Radio-frequency module 110 is used to receive and send electromagnetic wave, realizes that electromagnetic wave is mutual with electric signal Conversion, so as to be communicated with communication network or other equipment.Radio-frequency module 110 may include various The existing circuit element for performing these functions, for example, antenna, RF transceiver, numeral letter Number processor, encryption/deciphering chip, subscriber identity module (SIM) card, memory etc..Radio frequency Module 110 can be communicated or led to various networks such as internet, intranet, wireless network Wireless network is crossed to be communicated with other equipment.Above-mentioned wireless network may include cellular telephone networks, WLAN or Metropolitan Area Network (MAN).Above-mentioned wireless network can using various communication standards, agreement and Technology, including but not limited to global system for mobile communications (Global System for Mobile Communication, GSM), enhanced mobile communication technology (Enhanced Data GSM Environment, EDGE), Wideband CDMA Technology (wideband code division multiple Access, W-CDMA), CDMA (Code division access, CDMA), time-division are more Location technology (time division multiple access, TDMA), bluetooth, adopting wireless fidelity technology (Wireless, Fidelity, WiFi) (such as IEEE-USA's standard IEEE 802.11a, IEEE 802.11b, IEEE802.11g and/or IEEE 802.11n), the networking telephone (Voice over internet Protocal, VoIP), worldwide interoperability for microwave accesses (Worldwide Interoperability for Microwave Access, Wi-Max), other be used for the agreement of mail, instant messaging and short message, it is and any Other suitable communications protocol, or even may include those agreements not being developed yet currently.
Locating module 112 is used to obtain the current location of user terminal.The example bag of locating module 112 Include but be not limited to GPS (GPS), based on WLAN or mobile radio communication Location technology.
Photographing module 114 is used to shoot photo or video.The photo or video of shooting can be stored To memory 102, and can be sent by radio-frequency module 110.
Audio-frequency module 116 provides a user with COBBAIF, and it may include one or more microphones, one Individual or multiple loudspeakers and voicefrequency circuit.Voicefrequency circuit receives sound number from Peripheral Interface 108 According to, voice data is converted into power information, power information is transmitted to loudspeaker.Loudspeaker is by power information Be converted to the sound wave that human ear can be heard.Voicefrequency circuit receives power information also from microphone, by electric signal Be converted to voice data, and by data transmission in network telephony to Peripheral Interface 108 further being located Reason.Voice data can be obtained from memory 102 or by radio-frequency module 110.Additionally, sound Frequency evidence can also be stored into memory 102 or is transmitted by radio-frequency module 110.One In a little examples, audio-frequency module 116 may also include an earphone and broadcast hole, for earphone or other set It is standby that COBBAIF is provided.
Touch Screen 118 provides an output and inputting interface simultaneously between user terminal and user. Specifically, Touch Screen 118 shows video frequency output to user, and the content of these video frequency outputs may include Word, figure, video and its any combination.Some output results correspond to some user interfaces Object.Touch Screen 118 also receives the gestures such as the input of user, click, the slip of such as user behaviour Make, the input so as to user interface object to these users is responded.Detect the technology of user input Can be based on resistance-type, condenser type or other any possible touch control detection technologies.Touch Screen The instantiation of 118 display units includes but is not limited to liquid crystal display or light emitting polymer displays.
Key-press module 120 equally provides the interface that user is input into user terminal, and user can lead to Cross and press different buttons so that user terminal performs different functions.
First embodiment
The structure chart of the user terminal 20 that Fig. 2 is provided for first embodiment of the invention.As shown in Fig. 2 User terminal 20 includes first password transmitting element 200, application card information transmitting element 201, instruction Policy receipt unit 202, Tip element 203, photo transmitting element 204, interception unit 205.
Wherein, first password transmitting element 200 is used to receiving the password of account, and by password send to Authentication server, so that authentication server is verified to password.
Application card information transmitting element 201 is used for the information of the application card that will be received via authentication server Sent after checking to card issuer server, applying for the information of card at least includes user's name, identity In identification code any one so that card issuer's server judging user whether be it is non-first card use Family.
Wherein, the title of user can be, but not limited to be name or the pet name of user etc. that identity is known Other code can be, but not limited to be represented for ID card No., passport number etc. the number of User Identity Word and/or alpha code etc..
Instruction Policy receipt unit 202 is used to receive authentication server in the server judgement of card issuer The instruction strategy of the upload identity card positive and negative photo that user sends when being the first card user.
Wherein, the first card user can be, but not limited to not apply for the use of virtual card successfully in credit card issuer Family.
Tip element 203 is used for the instruction strategy prompting according to the upload identity card positive and negative photo for receiving The input positive and negative photo of identity card.
Wherein, the positive and negative photo of identity card can also be other identity class certificate such as passports, the pass etc. Deng positive and negative photo.
Photo transmitting element 204 is used to send the positive and negative photo of the identity card of input to authentication server.
Wherein, photo transmitting element 204 can with but be not limited to enter in the positive and negative photo of the identity card of input Sent to authentication server after row encryption, to ensure the security of subscriber identity information.
Interception unit 205 is used for after the instruction strategy for receiving the video face label that authentication server sends, Prompting user is operated accordingly, and the picture of interception is sent to testing when user is carried out into corresponding operating Card server, so that picture, the identity card of interception be just when user is carried out corresponding operating by authentication server Reflection of light piece, the information of application card are sent to Ministry of Public Security's system, so that Ministry of Public Security's system of users is carried out The picture that is intercepted during corresponding operating, the positive and negative photo of identity card, the information of application card carry out matching degree scoring Identification number for future reference is sent to card issuer server by by authentication server, and issues card Authority server carries out preposition checking and is looked into by the way that identification number for future reference is counter in the information to application card After with degree scoring, obtain card code name and send after quick signing and the marking of main card number treatment to Authentication server, quick tie up card service and carries out fast tying up card, and send to cause that authentication server is called Card code name, the mark of main card number are sent to the safety chip of user terminal 30.
Wherein, interception unit 205 can be, but not limited to by user according to instruction strategy do corresponding action, Or read aloud picture, video or recording of legal documents etc. etc. transmission to authentication server.
The present invention provide user terminal 20 so that user when for the first card user can directly by Line video face signs technology and carries out real-time core body, to realize online application virtual card, and need not enter under line Face is signed, and directly carries out fast tying up card after credit card issuer hair fastener, with convenience and agility higher. Additionally, also being scored using Ministry of Public Security's system, security is improve.
Second embodiment
The structure chart of the user terminal 30 that Fig. 3 is provided for second embodiment of the invention.As shown in figure 3, User terminal 30 also includes checking information transmitting element 306, mark writing unit 307.
It is non-that checking information transmitting element 306 is used for receiving card issuer server user is judged Reserved communication number to authentication server is sent during one card user, so that authentication server sends To the checking information of reserved communication number, and the checking information of user input is sent to the service for checking credentials Device, so that authentication server to checking information after verifying, the information for applying for card is sent to card Issuer's server, so that card issuer's server carries out preposition testing in the information to application card After card, obtain card code name and efficiently contracted and send extremely checking with after the marking treatment of main card number Server, with cause authentication server call it is quick tie up card service and carry out fast tying up card, and by card code name, The mark of main card number is sent to mark writing unit 307.
Wherein, checking information can be, but not limited to be the short message verification code for including numeral, certain this area Technical staff it is understood that checking information can also be other for including letter or figure etc. The identifying code of type.
Mark writing unit 307 is used to receive card code name, the mark of main card number of authentication server transmission, And write mark into safety chip.
In an embodiment of the present invention, mark can write entity security chip (Secure Element, SE), or Intrusion Detection based on host snap gauge intend (host-based cardemulation, HCE) technology By entity security chip by remote hosting high in the clouds SE (Cloud Secure Element or SE on the Cloud) replace etc..
The user terminal 30 that the present invention is provided so that user can direct-on-line when for non-first card user Upper application virtual card, and need not enter below line to sign, and directly fast tied up after credit card issuer hair fastener Card, with convenience and agility higher.
3rd embodiment
The structure chart of the user terminal that Fig. 4 is provided for third embodiment of the invention.User terminal can be with For quick payment on the line for realizing virtual card.As shown in figure 4, user terminal 40 includes lower single unit 408th, order identifier code receiving unit 409, the displaying of the second password transmitting element 410, payment result Unit 411.
Lower single unit 408 is used to, when delivery operation information is received, be placed an order in authentication server.
Order identifier code receiving unit 409 is used to receive the order identifier code of authentication server transmission.
The password and order identifier code that second password transmitting element 410 is used for the account that will be obtained send To authentication server, so that authentication server finds out corresponding card code name after the password of checking account Extremely block issuer's server with being sent after protocol number, so that card issuer server is performed and withholdd Operation.
Wherein, authentication server can with but be not limited by checking information (such as short message) further Verify the identity of user.
Payment result display unit 411 is used to show payment result.
Quick payment on the line that user terminal of the invention 40 can be also used for realize virtual card, and operation It is convenient and swift, be conducive to improving the experience of user.
Fourth embodiment
The structure chart of the user terminal that Fig. 5 is provided for fourth embodiment of the invention.User terminal can be with For being paid under the line for realizing virtual card.As shown in figure 5, user terminal 50 also includes application protocol number According to unit instruction reception unit 512, mark transmitting element 513.
Application Protocol Data Unit instruction reception unit 512 is used to receive the application protocol of POS transmission Data unit instructions, and set up connection with point of sale (Point of sales, POS) machine.
Mark transmitting element 513 is used to via POS send mark to card issuer server, So that be converted into mark after main card number to perform by card issuer's server will withhold after operation of withholing result Send to POS.
User terminal of the invention 50 can be also used for realizing being paid under the line of virtual card, and easy to operate Fast, be conducive to improving the experience of user.
5th embodiment
The structure chart of the authentication server that Fig. 6 is provided for fifth embodiment of the invention.As shown in fig. 6, Authentication server 60 includes password acceptance unit 601, password authentication unit 602, application card information hair Send unit 603, reserved communication number receiving unit 604, checking information transmitting element 605, checking Information receiving unit 606, checking information authentication unit 607, card code name receiving unit 608 and to tie up card single Unit 609.
Wherein, password acceptance unit 601 is used for the password of the account for receiving user terminal transmission.Password Authentication unit 602 is used to verify password.Application card information transmitting element 603 is used for user The application card information that terminal is obtained is sent to card issuer server, and the information of the application card is at least Including in user's name, identity code any one.Reserved communication number receiving unit 604 is used User is judged it is non-first card user in receiving card issuer server, and is non-in the user The reserved communication number sent during the first card user.Checking information transmitting element 605 is tested for transmission Card information is to the reserved communication number.Checking information receiving unit 606 is used to receive user terminal The checking information of transmission.After checking information authentication unit 607 is used to verify checking information, make Must apply for that card information transmitting element 603 is again sent to the card issuing machine information of the application card Structure server.Card code name receiving unit 608 is used for receiving card issuer server to the application After the information of card carries out preposition checking, the card code name of acquisition and the quick signing for carrying out and main card number is entered Mark after line flagization treatment.
Tie up card unit 609 for call it is quick tie up card service and carry out fast tying up card, and by the card code name, The mark of main card number is sent to user terminal, is sent out so as to obtain user terminal and receive the authentication server 60 The card code name, the mark of the main card number for sending, and the mark is write into safety chip.
The authentication server 60 that the present invention is provided so that user can directly exist when for non-first card user Online application virtual card, and need not enter below line to sign, and directly carried out after credit card issuer hair fastener quick Card is tied up, with convenience and agility higher.
Sixth embodiment
The structure chart of the card issuer server that Fig. 7 is provided for seventh embodiment of the invention.Such as Fig. 7 It is shown, credit card issuer authority server 70 include application card information receiving unit 701, judging unit 702, Preposition authentication unit 703.
Application card information receiving unit 701 is used to receive the user via being sent after authentication server checking The information of the application card that terminal is obtained, applying for the information of card at least includes user's name, identity code In any one.
Judging unit 702 is used to judge whether user is non-first card user, and is non-first in user Reserved communication number to authentication server is sent during card user.
Wherein, the application card information receiving unit 701 is additionally operable to receive authentication server transmission checking The letter of the application card that checking information of the information to reserved communication number and to obtaining sends after verifying Breath.
Preposition authentication unit 703 is used for after the information to application card carries out preposition checking, obtains card generation Number and efficiently contracted and sent to authentication server with after the marking of main card number treatment, to cause Authentication server call it is quick tie up card service and carry out fast tying up card, and by card code name, the mark of main card number Send to user terminal, so that user terminal receives card code name, the main card that authentication server sends Number mark, and write mark into safety chip.
The card issuer server 70 that the present invention is provided so that user can when for non-first card user Apply for virtual card on direct-on-line, and need not enter below line to sign, and directly enter after credit card issuer hair fastener Row fast ties up card, with convenience and agility higher.
7th embodiment
The structure chart of the system of the online application virtual card that Fig. 8 is provided for seventh embodiment of the invention.Such as Shown in Fig. 8, the system of online application virtual card includes user terminal 80, authentication server 81 and card Issuer's server 82.
User terminal 80 is used to receive the password of account, and password is sent to authentication server 81.Test Card server 81 is used to verify password.User terminal 80 is additionally operable to apply the information warp of card Sent after being verified by authentication server 81 to card issuer server 82, apply for that the information of card is at least wrapped Include any one in user's name, identity code.
Card issuer server 82 is used to judge that whether user is non-first card user, and be in user Reserved communication number to authentication server 81 is sent during non-first card user.
Authentication server 81 is additionally operable to send checking information to reserved communication number.
User terminal 80 is additionally operable to receive checking information, and checking information is sent to authentication server 81.
Authentication server 81 is additionally operable to after being verified to checking information, will apply for that the information of card sends To card issuer server 82.
Card issuer server 82 is additionally operable to after the information to application card carries out preposition checking, is obtained Card code name and efficiently being contracted is sent to authentication server 81 with after the marking of main card number treatment.
Authentication server 81 be additionally operable to call it is quick tie up card service and carry out fast tying up card, and by card code name, The mark of main card number is sent to user terminal 80.
User terminal 80 is additionally operable to receive card code name, the mark of main card number that authentication server 81 sends, And write mark into safety chip.
In an embodiment of the present invention, authentication server 81 is additionally operable to judge in authentication server 81 When user is the first card user, then the instruction strategy for uploading identity card positive and negative photo for sending to user Terminal 80.User terminal 80 is additionally operable to the instruction strategy according to the upload identity card positive and negative photo for receiving The prompting input positive and negative photo of identity card, and the positive and negative photo of the identity card of input is sent to authentication server 81.User terminal 80 is additionally operable to receiving the instruction strategy of the video face label that authentication server 81 sends Afterwards, prompting user is operated accordingly, and the picture of interception sends when user is carried out into corresponding operating To authentication server 81.
The picture of interception, identity card are positive and negative when authentication server 81 is additionally operable to for user to carry out corresponding operating Photo, the information of application card are sent to Ministry of Public Security's system, and phase is carried out with by Ministry of Public Security's system of users After the picture that is intercepted when should operate, the positive and negative photo of identity card, the information of application card carry out matching degree scoring Identification number for future reference is sent to card issuer server 82 via authentication server 81.Card issuing machine Structure server 82 is additionally operable to carry out preposition checking and by identification number for future reference in the information to application card It is counter look into matching degree scoring after, after obtaining card code name and carrying out quick signing and the marking of main card number treatment Send to authentication server 81.
In an embodiment of the present invention, user terminal 80 is additionally operable to according to the delivery operation information for obtaining, After authentication server 81 places an order, the order identifier code that authentication server 81 sends is received, and will Password and the order identifier code of account are sent to authentication server 81.
Authentication server 81 is additionally operable to after the password of checking account, finds out corresponding card code name and agreement Sent after number to card issuer server 82, so that card issuer server 82 performs the behaviour that withholds Make.
User terminal 80 is additionally operable to show payment result.
In an embodiment of the present invention, user terminal 80 is additionally operable to receive the application association that POS sends View data unit instructions, and be connected with POS foundation.User terminal 80 be additionally operable to will mark via POS is sent to card issuer server 82, so that card issuer server 82 converts mark For the result that will withhold is sent to POS after operation of withholing is performed after main card number.
The system of the online application virtual card that the present invention is provided so that user can when for the first card user Real-time core body is directly carried out by Online Video face label technology, to realize online application virtual card, and nothing Need to enter below line and sign, and directly carry out fast tying up card after credit card issuer hair fastener, with facility higher Property and agility.Additionally, also being scored using Ministry of Public Security's system, security is improve.
8th embodiment
The flow chart of the method for the online application virtual card that Fig. 9 is provided for eighth embodiment of the invention.Figure The timing diagram of the method for the 10 online application virtual cards provided for eighth embodiment of the invention.Please join simultaneously Fig. 9 and Figure 10 is examined, a kind of method of online application virtual card can apply to use as shown in Figure 8 Between family terminal, authentication server and card issuer server, the method for online application virtual card Comprise the following steps：
Step S901：User terminal obtains the password of account, and password is sent to authentication server；
Specifically, User logs in user terminal, and be input into account logical or wechat of for example managing money matters and pay Etc. payment cipher, and password is sent to authentication server.
Step S902：Authentication server is verified to password；
Specifically, after authentication server is verified to password, context object is created, and return Session identification (session-id) is returned to user terminal, to distinguish user.
Step S903：The information of the application card that user terminal will be obtained is sent out after being verified via authentication server Deliver to card issuer server；
Wherein, the information of application card at least includes any one in user's name, identity code；
Wherein, the title of user can be, but not limited to be name or the pet name of user etc. that identity is known Other code can be, but not limited to be represented for ID card No., passport number etc. the number of User Identity Word and/or alpha code etc..
Specifically, authentication server checks context and after verifying user's name/identity code, will Application card information is sent to card issuer server.
Step S904：If credit card issuer authority server judges that user is the first card user, the service for checking credentials Device sends the instruction strategy for uploading identity card positive and negative photo to user terminal；
Step S905：User terminal is carried according to the instruction strategy of the upload identity card positive and negative photo for receiving Show the input positive and negative photo of identity card, and the positive and negative photo of the identity card of input is sent to authentication server；
Wherein, the positive and negative photo of identity card can be encrypted storage by authentication server, to ensure user The security of privacy.
Step S906：User terminal receive authentication server send video face sign instruction strategy after, Prompting user is operated accordingly, and the picture of interception is sent to testing when user is carried out into corresponding operating Card server；
Instruction strategy can be, but not limited to do and do corresponding action as indicated or/and in the specified time Inside read aloud to specify and authorize word etc., user terminal is operated user according to instruction strategy accordingly When picture, video or recording etc. send to authentication server.
Step S907：Picture, the identity card of interception be just when user is carried out corresponding operating by authentication server Reflection of light piece, the information of application card are sent to Ministry of Public Security's system；
Step S908：Ministry of Public Security's system of users is carrying out during corresponding operating the picture of interception, identity card just Reflection of light piece, the information of application card pass through after matching degree scoring by authentication server by identification number for future reference Send to card issuer server；
Step S909：Card issuer's server carries out preposition checking and logical in the information to application card After crossing that identification number for future reference is counter and looking into matching degree scoring, obtaining card code name simultaneously carries out quick signing and main card number Marking treatment after send to authentication server；
The content of preposition checking oneself is determined by each credit card issuer, for example, can be anti-fraud module verification, Credit card issuer specifically limits service (can only such as open that how many user are applied daily).
Step S910：Authentication server call it is quick tie up card service and carry out fast tying up card, and by card code name, The mark of main card number is sent to user terminal；
Step S911：User terminal receives card code name, the mark of main card number that authentication server sends, And write mark into safety chip.
In an embodiment of the present invention, mark can write entity security chip (Secure Element, SE), or Intrusion Detection based on host snap gauge intend (host-based cardemulation, HCE) technology By entity security chip by remote hosting high in the clouds SE (Cloud Secure Element or SE on the Cloud) replace etc..
The method of the online application virtual card that the present invention is provided so that user can when for the first card user Signed by video face and apply for virtual card on direct-on-line, and need not enter below line to sign, and in hair fastener Directly carry out fast tying up card after row hair fastener, with convenience and agility higher.
9th embodiment
The flow chart of the method for the online application virtual card that Figure 11 is provided for ninth embodiment of the invention.Figure The timing diagram of the method for the 12 online application virtual cards provided for ninth embodiment of the invention.Please join simultaneously Examine Figure 11 and Figure 12, card issuer server judge the step of whether user is non-first card user it Also comprise the following steps afterwards：
Step S1101：Card issuer server sends reserved when judging user for non-first card user Communication number is to authentication server；
Specifically, whether successfully card issuer's server can be, but not limited to by judging user Applied for virtual card to judge whether user is the first card user, if user successfully applied for virtual card Then judge that user is non-first card user, be otherwise the first card user.
Step S1102：Authentication server sends checking information to reserved communication number；
Wherein, checking information can be, but not limited to be the short message verification code for including numeral, certain this area Technical staff it is understood that checking information can also be other for including letter or figure etc. The identifying code of type.
Wherein, communication number can be, but not limited to for phone number, immediate communication tool (such as QQ, Wechat etc.) account etc..
Step S1103：User terminal obtains checking information, and the checking information of acquisition is sent to checking Server；
Step S1104：Authentication server will apply for card after being verified to the checking information for obtaining Information is sent to card issuer server；
Specifically, authentication server updates context and handle after the checking information for obtaining is verified Sent to credit card issuer authority server after application card information encryption packing.
Step S1105：Card issuer's server is obtained after the information to application card carries out preposition checking Card taking code name and efficiently being contracted is sent to authentication server with after the marking of main card number treatment；
The content of preposition checking oneself is determined by each credit card issuer, for example, can be anti-fraud module verification, Credit card issuer specifically limits service (can only such as open that how many user are applied daily).
Wherein, card issuer server can with but be not limited to the card code name of card, the volume for blocking in the lump Degree, signing number etc. information are sent to authentication server.
Step S1106：Authentication server call it is quick tie up card service and carry out fast tying up card, and by card code name, The mark of main card number is sent to user terminal；
Step S1107：User terminal receives card code name, the mark of main card number that authentication server sends, And write mark into safety chip.
In an embodiment of the present invention, mark can write entity security chip (Secure Element, SE), or Intrusion Detection based on host snap gauge intend (host-based cardemulation, HCE) technology By entity security chip by remote hosting high in the clouds SE (Cloud Secure Element or SE on the Cloud) replace etc..
The method of the online application virtual card that the present invention is provided so that user is when for non-first card user Virtual card can be applied on direct-on-line, and need not enter below line to sign, and after credit card issuer hair fastener directly Carry out fast tying up card, with convenience and agility higher.
Tenth embodiment
The flow chart of the method for the online application virtual card that Figure 13 is provided for tenth embodiment of the invention.Such as Shown in Figure 13, applying for the method for virtual card can also comprise the following steps：
Step S1301：According to the delivery operation information for obtaining, after authentication server places an order, reception is tested The order identifier code that card server sends；
Step S1302：The password and order identifier code of the account that will be obtained are sent to authentication server, So that authentication server is after the password of checking account, sent after finding out corresponding card code name and protocol number To card issuer server, so that card issuer server performs operation of withholing；
Step S1303：Displaying payment result.
The method of the online application virtual card that the present invention is provided so that user is direct after credit card issuer hair fastener Carry out fast tying up card, can directly enter on line and consume, with convenience and agility higher.
11st embodiment
The flow chart of the method for the online application virtual card that Figure 14 is provided for eleventh embodiment of the invention. As shown in figure 14, the method for application virtual card can also comprise the following steps：
Step S1401：Receive the Application Protocol Data Unit instruction that POS sends, and and POS Set up connection；
Step S1402：Mark is sent to card issuer server via POS, so that card is sent out Row authority server mark is converted into after main card number perform will withhold after operation of withholing result send to POS.
The method of the online application virtual card that the present invention is provided so that user is direct after credit card issuer hair fastener Carry out fast tying up card, can directly enter bankcard consumption under line, with convenience and agility higher.
12nd embodiment
As shown in figure 15, a kind of method of online application virtual card, can be applied to as Fig. 2, Fig. 3, User terminal shown in Fig. 4, the method for online application virtual card comprises the following steps：
Step S1501：The password of account is obtained, and password is sent to authentication server, so that checking Server is verified to password；
Step S1502：The information of the application card that will be obtained sends to card after being verified via authentication server and sends out Row authority server；
Wherein, the information of application card at least includes any one in user's name, identity code.
Card issuer's server sends reserved communication number when user is judged for non-first card user To authentication server, so that authentication server sends checking information to reserved communication number.
Step S1503：Checking information is obtained, and the checking information of user input is sent to the service for checking credentials Device；
Wherein, authentication server will apply for card after the checking information to user input is verified Information is sent to card issuer server, so that card issuer's server is in the letter to application card After breath carries out preposition checking, card code name and the marking treatment efficiently contracted with main card number are obtained After send to authentication server, with cause authentication server call it is quick tie up card service and carry out fast tying up card, And send to user terminal the mark of card code name, main card number；
Step S1504：Card code name, the mark of main card number that authentication server sends are received, and will mark Write-in safety chip.
In an embodiment of the present invention, the method for the online application virtual card can also include：
Receive the authentication server and judge that the user is the first card in card issuer server The instruction strategy of the upload identity card positive and negative photo sent during user；
Instruction strategy prompting input identity card according to the upload identity card positive and negative photo for receiving is just Reflection of light piece, and the positive and negative photo of the identity card for obtaining is sent to the authentication server；
After the instruction strategy for receiving the video face label that the authentication server sends, user is pointed out to carry out Corresponding operation, and the picture of interception is sent to the checking clothes when user is carried out into corresponding operating Business device, so that the picture of interception when the user is carried out corresponding operating by the authentication server, described The positive and negative photo of identity card, the information of the application card are sent to Ministry of Public Security's system, so that the public security Portion's system carries out the picture of interception during corresponding operating, the positive and negative photo of the identity card, institute to the user Stating the information of application card is carried out after matching degree scoring through being sent out identification number for future reference by the authentication server Card issuer server is delivered to, and makes card issuer's server to the application card Information carry out preposition checking and looking into after the matching degree scores by the way that the identification number for future reference is counter, Obtain card code name and sent to the service for checking credentials after carrying out quick signing and the marking of main card number treatment Device, with cause the authentication server call it is quick tie up card service and carry out fast tying up card, and by the card Code name, the mark of main card number are sent to the user terminal；
Receive the card code name, the mark of the main card number that the authentication server sends, and by institute State mark write-in safety chip.
In an embodiment of the present invention, the card code name for receiving the authentication server transmission, The mark of the main card number, and by it is described mark write safety chip the step of after include：
According to the delivery operation information for obtaining, after authentication server places an order, the service for checking credentials is received The order identifier code that device sends；
The password and order identifier code of the account that will be obtained are sent to the authentication server, with Make the authentication server after the password for verifying the account, find out corresponding card code name and protocol number After send to the card issuer server so that card issuer server is performed and withholdd Operation；
Displaying payment result.
In an embodiment of the present invention, the card code name for receiving the authentication server transmission, The mark of the main card number, and by it is described mark write safety chip the step of after include：
The Application Protocol Data Unit instruction that POS sends is received, and is connected with POS foundation；
The mark is sent to card issuer server, so that described via the POS Be converted into the mark after main card number to perform and will withhold after operation of withholing result by card issuer's server Send to the POS.
The method of the online application virtual card that the present invention is provided so that user for non-first card user or Can apply for virtual card on direct-on-line during the first card user, and need not enter below line to sign, and in hair fastener Directly carry out fast tying up card after row hair fastener, with convenience and agility higher.
It should be noted that each embodiment in this specification is described by the way of progressive, often What individual embodiment was stressed is all the difference with other embodiment, identical between each embodiment Similar part mutually referring to.For device class embodiment, due to itself and embodiment of the method Substantially similar, so description is fairly simple, related part is referring to the part explanation of embodiment of the method Can.
It should be noted that herein, such as first and second or the like relational terms are only used By an entity or operation with another entity or operate make a distinction, and not necessarily require or Imply between these entities or operation there is any this actual relation or order.And, term " including ", "comprising" or any other variant thereof is intended to cover non-exclusive inclusion so that Process, method, article or device including a series of key elements not only include those key elements, but also Including other key elements being not expressly set out, or also include for this process, method, article or The intrinsic key element of person's device.In the absence of more restrictions, by sentence "including a ..." The key element of restriction, it is not excluded that also exist in the process including key element, method, article or device Other identical element.
One of ordinary skill in the art will appreciate that realizing that all or part of step of above-described embodiment can be with Completed by hardware, it is also possible to instruct the hardware of correlation to complete by program, described program can To be stored in a kind of computer-readable recording medium, storage medium mentioned above can be read-only depositing Reservoir, disk or CD etc..
More than, only it is presently preferred embodiments of the present invention, not make any formal to the present invention Limitation, although the present invention is disclosed above with preferred embodiment, but is not limited to the present invention, Any those skilled in the art, without departing from the scope of the present invention, when available The technology contents of the disclosure above make a little change or are modified to the Equivalent embodiments of equivalent variations, as long as It is, without departing from technical solution of the present invention content, above example to be made according to technical spirit of the invention Any simple modification, equivalent variations and modification, still fall within the range of technical solution of the present invention.

Claims (16)

1. a kind of method of online application virtual card, is applied to user terminal, it is characterised in that the line The method of upper application virtual card includes：
The password of account is obtained, and the password is sent to authentication server, so that the checking clothes Business device is verified to the password；
The information of the application card that will be obtained sends to card issuer after being verified via the authentication server Server, the information of the application card at least includes any one in user's name, identity code, Judge that the user uses as the first card in card issuer server to receive the authentication server The instruction strategy of the upload identity card positive and negative photo sent during family；
Instruction strategy prompting input identity card according to the upload identity card positive and negative photo for receiving is just Reflection of light piece, and the positive and negative photo of the identity card for obtaining is sent to the authentication server；
After the instruction strategy for receiving the video face label that the authentication server sends, user is pointed out to carry out Corresponding operation, and the picture of interception is sent to the checking clothes when user is carried out into corresponding operating Business device, so that the picture of interception when the user is carried out corresponding operating by the authentication server, described The positive and negative photo of identity card, the information of the application card are sent to Ministry of Public Security's system, so that the public security Portion's system carries out the picture of interception during corresponding operating, the positive and negative photo of the identity card, institute to the user Stating the information of application card is carried out after matching degree scoring through being sent out identification number for future reference by the authentication server Card issuer server is delivered to, and makes card issuer's server to the application card Information carry out preposition checking and looking into after the matching degree scores by the way that the identification number for future reference is counter, Obtain card code name and sent to the service for checking credentials after carrying out quick signing and the marking of main card number treatment Device, with cause the authentication server call it is quick tie up card service and carry out fast tying up card, and by the card Code name, the mark of main card number are sent to the user terminal；
Receive the card code name, the mark of the main card number that the authentication server sends, and by institute State mark write-in safety chip.
2. the method for online application virtual card as claimed in claim 1, it is characterised in that the line The method of upper application virtual card also includes：
Obtain card issuer's server and send what is reserved when user is judged for non-first card user Communication number is to the authentication server, so that the authentication server is sent to described reserved The checking information of communication number；
The checking information of the user input is sent to the authentication server, so that the checking clothes Business device sends the information of the application card after the checking information to the user input is verified To card issuer server, so that card issuer's server is to the application card Information carry out preposition checking after, obtain card code name and the marking efficiently contracted with main card number Sent after treatment to the authentication server, to cause that the authentication server calls quick card of tying up to service Carry out fast tying up card, and the mark of the card code name, main card number is sent to the user terminal；
Receive the card code name, the mark of the main card number that the authentication server sends, and by institute State mark write-in safety chip.
3. the method for online application virtual card as claimed in claim 1 or 2, it is characterised in that institute State and receive the card code name, the mark of the main card number that the authentication server sends, and will be described Include after the step of mark write-in safety chip：
According to the delivery operation information for obtaining, after authentication server places an order, the service for checking credentials is received The order identifier code that device sends；
The password and order identifier code of the account that will be obtained are sent to the authentication server, with Make the authentication server after the password for verifying the account, find out corresponding card code name and protocol number After send to the card issuer server so that card issuer server is performed and withholdd Operation；
Displaying payment result.
4. the method for online application virtual card as claimed in claim 1 or 2, it is characterised in that institute State and receive the card code name, the mark of the main card number that the authentication server sends, and will be described Include after the step of mark write-in safety chip：
The Application Protocol Data Unit instruction that POS sends is received, and is connected with POS foundation；
The mark is sent to card issuer server, so that described via the POS Be converted into the mark after main card number to perform and will withhold after operation of withholing result by card issuer's server Send to the POS.
5. a kind of method of online application virtual card, is applied to user terminal, authentication server and card hair Between row authority server, it is characterised in that the method for the online application virtual card includes：
The user terminal obtains the password of account, and the password is sent to authentication server；
The authentication server is verified to the password；
The information of the application card that the user terminal will be obtained sends after being verified via the authentication server To card issuer server, the information of the application card at least includes user's name, identity code In any one；
Card issuer server judges whether the user is non-first card user；
If the user is the first card user, the authentication server sends and uploads identity card positive and negative photograph The instruction strategy of piece is to the user terminal；
Instruction strategy prompting of the user terminal according to the upload identity card positive and negative photo for receiving The input positive and negative photo of identity card, and the positive and negative photo of the identity card being input into is sent to the checking clothes Business device；
The user terminal after the instruction strategy that the video face that the authentication server sends is signed is received, Prompting user is operated accordingly, and the picture of interception sends when the user is carried out into corresponding operating To the authentication server；
Picture, the identity card of interception when the user is carried out corresponding operating by the authentication server Positive and negative photo, the information of the application card are sent to Ministry of Public Security's system；
Ministry of Public Security's system carries out the picture of interception, the identity card during corresponding operating to the user Positive and negative photo, the information of the application card are carried out after matching degree scoring through will be standby by the authentication server Identification number is looked into send to card issuer server；
Card issuer's server carries out preposition checking and is passing through in the information to the application card The identification number for future reference is counter look into the matching degree scoring after, obtain card code name and carry out quick signing and Sent to the authentication server after the marking treatment of main card number；
The authentication server call it is quick tie up card service and carry out fast tying up card, and by the card code name, The mark of main card number is sent to the user terminal；
The user terminal receives the card code name that the authentication server sends, the main card number Mark, and the mark is write into safety chip.
6. the method for online application virtual card as claimed in claim 5, it is characterised in that the card Issuer's server judges also to include after the step of whether user is non-first card user；
Reserved communication number to the service for checking credentials is sent when the user is non-first card user Device；
The authentication server sends checking information to the reserved communication number；
The user terminal obtains the checking information, and the checking information for obtaining is sent to institute State authentication server；
The authentication server blocks the application after the checking information to the acquisition is verified Information send to the card issuer server；
Card issuer's server is obtained after the information to the application card carries out preposition checking Card code name and efficiently being contracted is sent to the service for checking credentials with after the marking of main card number treatment Device；
The authentication server call it is quick tie up card service and carry out fast tying up card, and by the card code name, The mark of main card number is sent to the user terminal；
The user terminal receives the card code name that the authentication server sends, the main card number Mark, and the mark is write into safety chip.
7. the method for the online application virtual card as described in claim 5 or 6, it is characterised in that institute State user terminal and receive the card code name, the mark of the main card number that the authentication server sends, And by it is described mark write safety chip the step of after include：
The user terminal after authentication server places an order, is received according to the delivery operation information for obtaining The order identifier code that the authentication server sends；
The password of the account of acquisition and order identifier code are sent and are tested to described by the user terminal Card server；
The authentication server finds out corresponding card code name and agreement after the password for verifying the account Sent after number to card issuer server, so that card issuer server performs button Money is operated；
The user terminal shows payment result.
8. the method for the online application virtual card as described in claim 5 or 6, it is characterised in that institute State and receive the card code name, the mark of the main card number that the authentication server sends, and will be described Include after the step of mark write-in safety chip：
The user terminal receives the Application Protocol Data Unit instruction that POS sends, and with it is described POS sets up connection；
The mark is sent to the card issuer and serviced by the user terminal via the POS Device, so that card issuer's server performs operation of withholing after the mark is converted into main card number After the result that will withhold send to the POS.
9. a kind of user terminal, it is characterised in that the user terminal includes：
First password transmitting element, the password for receiving account, and the password is sent to checking Server, so that the authentication server is verified to the password；
Application card information transmitting element, for will receive the application card information via the checking Sent after server authentication to card issuer server, the information of the application card at least includes user In title, identity code any one so that the card issuer server judges the user Whether it is non-first card user；
Instruction Policy receipt unit, for receiving the authentication server in card issuer service The instruction plan of the upload identity card positive and negative photo that device sends when judging the user for the first card user Slightly；
Tip element, for being carried according to the instruction strategy of the upload identity card positive and negative photo for receiving Show the input positive and negative photo of identity card；
Photo transmitting element, for the positive and negative photo of the identity card being input into be sent to the checking clothes Business device；
Interception unit, for after the instruction strategy that the video face that the authentication server sends is signed is received, Prompting user is operated accordingly, and the picture of interception sends when the user is carried out into corresponding operating To the authentication server, so that interception when the user is carried out corresponding operating by the authentication server Picture, the positive and negative photo of the identity card, the information of the application card send to Ministry of Public Security's system, from And make Ministry of Public Security's system that the picture of interception, the identity card during corresponding operating are carried out to the user Positive and negative photo, the information of the application card are carried out after matching degree scoring through will be standby by the authentication server Look into identification number to send to card issuer server, and card issuer server is existed Information to the application card carries out preposition checking and is looking into described by the way that the identification number for future reference is counter After with degree scoring, obtain card code name and send after quick signing and the marking of main card number treatment to The authentication server, with cause the authentication server call it is quick tie up card service and carry out fast tying up card, And send the mark of the card code name, main card number.
10. user terminal as claimed in claim 9, it is characterised in that the user terminal is also wrapped Include：
Checking information transmitting element, the user is being judged for receiving card issuer's server Reserved communication number is sent during for non-first card user to the authentication server, so that described Authentication server is sent to the checking information of the reserved communication number, and by the user input Checking information is sent to the authentication server, so that the authentication server is to the checking information After being verified, the information of the application card is sent to card issuer server, so that Card issuer's server obtains card generation after the information to the application card carries out preposition checking Number and efficiently contracted and sent to the authentication server with after the marking of main card number treatment, with So that the authentication server call it is quick tie up card service and carry out fast tying up card, and by the card code name, The mark of main card number is sent to the user terminal；
Mark writing unit, for receiving the card code name, the master that the authentication server sends The mark of card number, and the mark is write into safety chip.
11. user terminal as described in claim 9 or 10, it is characterised in that the user terminal Also include：
Lower single unit, for when delivery operation information is received, being placed an order in authentication server；
Order identifier code receiving unit, for receiving the order identifier that the authentication server sends Code；
Second password transmitting element, the password and order identifier code hair of the account for that will obtain The authentication server is delivered to, so that the authentication server is looked for after the password for verifying the account Sent to card issuer server, so that the card after going out corresponding card code name and protocol number Issuer's server performs operation of withholing；
Payment result display unit, for showing payment result.
12. user terminal as described in claim 9 or 10, it is characterised in that the user terminal Also include：
Application Protocol Data Unit instruction reception unit, the application protocol number for receiving POS transmission Instructed according to unit, and be connected with POS foundation；
Mark transmitting element, for the mark to be sent to the card issuing machine via the POS Structure server, so that card issuer's server performs button after the mark is converted into main card number The result that will be withholdd after money operation is sent to the POS.
13. a kind of systems of online application virtual card, it is characterised in that the online application virtual card System includes：User terminal, authentication server and card issuer server；
The user terminal is used to receive the password of account, and the password is sent to authentication server；
The authentication server is used to verify the password；
After the user terminal is additionally operable to verify the information of the application card via the authentication server Send to card issuer server, the information of the application card at least includes that user's name, identity are known In other code any one so that the card issuer server judges whether the user is non-first Card user；
The authentication server is additionally operable to judge that the user is first in the credit card issuer authority server During card user, the instruction strategy for uploading identity card positive and negative photo is sent to the user terminal；
The user terminal is additionally operable to the instruction plan according to the upload identity card positive and negative photo for receiving The slightly prompting input positive and negative photo of identity card, and the positive and negative photo of the identity card being input into is sent to described Authentication server；
The user terminal is additionally operable to receiving the instruction plan of the video face label that the authentication server sends After slightly, point out user to be operated accordingly, and when the user carried out into corresponding operating interception figure Piece is sent to the authentication server；
It is the picture of interception when the authentication server is additionally operable to for the user to carry out corresponding operating, described The positive and negative photo of identity card, the information of the application card are sent to Ministry of Public Security's system, with by the public security Portion's system carries out the picture of interception during corresponding operating, the positive and negative photo of the identity card, institute to the user Stating the information of application card is carried out after matching degree scoring through being sent out identification number for future reference by the authentication server Deliver to card issuer server；
The card issuer server be additionally operable to the information to the application card carry out preposition checking and Looking into after the matching degree scores by the way that the identification number for future reference is counter, obtain card code name simultaneously carry out it is quick Sent to the authentication server after signing and the marking of main card number treatment.
The system of 14. online application virtual cards as claimed in claim 13, it is characterised in that：
The card issuer server is used to judge whether the user is non-first card user, and Reserved communication number to the authentication server is sent when the user is non-first card user；
The authentication server is additionally operable to send checking information to the reserved communication number；
The user terminal is additionally operable to receive the checking information, and the checking information is sent to institute State authentication server；
The authentication server is additionally operable to after being verified to the checking information, and the application is blocked Information send to the card issuer server；
Card issuer server is additionally operable to carry out preposition checking in the information to the application card Afterwards, obtain card code name and efficiently contracted and test with being sent to described after the marking of main card number treatment Card server；
The authentication server be additionally operable to call it is quick tie up card service and carry out fast tying up card, and by the card Code name, the mark of main card number are sent to the user terminal；
The user terminal is additionally operable to receive the card code name, the master that the authentication server sends The mark of card number, and the mark is write into safety chip.
The system of the 15. online application virtual card as described in claim 13 or 14, it is characterised in that：
The user terminal is additionally operable to according to the delivery operation information for obtaining, after authentication server places an order, The order identifier code that the authentication server sends is received, and the password of account and the order are known Alias code is sent to the authentication server；
The authentication server is additionally operable to after the password for verifying the account, finds out corresponding card code name Block issuer's server with being sent after protocol number to described, so that card issuer server Execution is withholdd operation；
The user terminal is additionally operable to show payment result.
The system of the 16. online application virtual card as described in claim 13 or 14, it is characterised in that：
The Application Protocol Data Unit that the user terminal is additionally operable to receive POS transmission is instructed, and with The POS sets up connection；
The user terminal is additionally operable to via the POS send the mark to the card issuing machine Structure server, so that card issuer's server performs button after the mark is converted into main card number The result that will be withholdd after money operation is sent to the POS.
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