CN108960818A - A kind of virtual card generation method, user terminal and token server - Google Patents

A kind of virtual card generation method, user terminal and token server Download PDF

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Publication number
CN108960818A
CN108960818A CN201810419973.7A CN201810419973A CN108960818A CN 108960818 A CN108960818 A CN 108960818A CN 201810419973 A CN201810419973 A CN 201810419973A CN 108960818 A CN108960818 A CN 108960818A
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China
Prior art keywords
terminal
card
virtual card
virtual
bound
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CN201810419973.7A
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Chinese (zh)
Inventor
余玮琦
万四爽
何朔
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication date
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Priority to CN201810419973.7A priority Critical patent/CN108960818A/en
Publication of CN108960818A publication Critical patent/CN108960818A/en
Priority to PCT/CN2019/080978 priority patent/WO2019210759A1/en
Priority to TW108112008A priority patent/TWI770377B/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351Virtual cards

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Information Transfer Between Computers (AREA)
  • Meter Arrangements (AREA)
  • Electrophonic Musical Instruments (AREA)

Abstract

The present invention relates to a kind of virtual card generation method, user terminal and token servers.The virtual card generation method includes: obtaining step, and first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal has bound Payment Card;Sending step is requested, first terminal sends token server for the end message of the card information of Payment Card and the second terminal to request to generate virtual card;And virtual card generation step, token server have the token number of dependence to second terminal distribution to generate virtual card and the dependence and token number are returned to the first terminal based on the card information.Journey is snapped past by that can simplify to tie up using virtual card generation method of the invention, improves user experience.

Description

A kind of virtual card generation method, user terminal and token server
Technical field
The present invention relates to mobile payment technology more particularly to a kind of virtual card generation methods, user terminal and token clothes Business device.
Background technique
It is existing tie up card process be generally user tying up card interface input bank card number, cell-phone number, background audit bank After card information, card success is tied up after mobile phone note verification code is verified.
Current disadvantage of the existing technology is as follows:
(1) binding needs entity bank card;
(2) input bank card number verified using mobile phone note verification code after tie up card process it is relatively complicated, user experience compared with Difference.
For example, as one using vehicle as payment terminal in the case where, in order to binding bank card on the vehicle termination, Input card number is usually required, binds bank card after verifying using short message verification code.There are problems that two in this way, first is that user can Bank card can not be carried, leads to not tie up card;Snap past that journey is relatively complicated, and user experience is poor second is that tying up.
Being disclosed in the information of background parts of the present invention, it is only intended to increase understanding of the overall background of the invention, without answering When being considered as recognizing or imply that the information constitutes the prior art already known to those of ordinary skill in the art in any form.
Summary of the invention
In view of the above problems, the present invention is intended to provide one kind, which can save operating procedure and can be realized, quickly ties up card Virtual card generation method, user terminal and token server.
Virtual card generation method of the invention characterized by comprising
Obtaining step, first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal Payment Card is bound;
Sending step is requested, first terminal sends the end message of the card information for having bound Payment Card and the second terminal to Token server is to request to generate virtual card;And
Virtual card generation step, token server, which is based on the card information, has second terminal distribution with the card information The token number of dependence is to generate virtual card and the dependence and token number are returned to the first terminal.
Optionally, further comprise after the virtual card generation step:
Storing step, first terminal store the dependence and the token number.
Optionally, it is further equipped between the obtaining step and request sending step:
Payment Card selects step, shows the Payment Card list that the first terminal has been bound and selects from the Payment Card list Select the Payment Card for needing to be bound with the second terminal.
Optionally, the end message of the second terminal is obtained one of in the following manner in the obtaining step:
By scanning the preset two dimensional code of the second terminal to obtain the end message of second terminal;
The account information of the second terminal is obtained by NFC communication mode;And
Directly input the account information of the second terminal.
Virtual card generation method of the invention characterized by comprising
Obtaining step, first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal Payment Card is bound;
Sending step is requested, first terminal transmission is described to have bound the card information of Payment Card and the end message of the second terminal To request to generate virtual card;And
Storing step, what first terminal storage returned distributed to based on the card information second terminal with dependence Token number and the dependence.
Optionally, it is further equipped between the obtaining step and request sending step:
Payment Card selects step, shows the Payment Card list that the first terminal has been bound and selects to need with described second eventually Hold the Payment Card bound.
Optionally, the end message of the second terminal is obtained one of in the following manner in the obtaining step:
By scanning the preset two dimensional code of the second terminal to obtain the end message of second terminal;
The account information of the second terminal is obtained by NFC communication mode;And
Directly input the account information of the second terminal.
Virtual card generation method of the invention characterized by comprising
Receiving step receives virtual card from first terminal and generates request, wherein the virtual card generate request comprising with first eventually Hold the card information for the Payment Card bound and the end message of second terminal;And
Virtual card generation step, based on the virtual card generate request to the second terminal distribution with the card information have according to It deposits the token number of relationship and generates using the token number as the virtual card of card number.
User terminal of the invention characterized by comprising
Module is obtained, needs to generate the end messages of other terminals of virtual card for obtaining, wherein described user terminal itself Payment Card is bound;And
Account management module, for send described user terminal itself bound Payment Card card information and other terminals End message generates virtual card to request, and on the other hand, distributes to other described ends for storing based on the card information The token number and the dependence with dependence at end.
Optionally, the acquisition module includes following one or more:
The two dimension of the end message of second terminal is obtained for the preset two dimensional code by scanning the second terminal Code read module;
For obtaining the NFC module of the account information of the second terminal by NFC communication mode;And
For inputting the input module of the account information of the second terminal.
Token server of the invention characterized by comprising
Receiving module generates request for receiving virtual card from first terminal, wherein the virtual card generates request and includes payment The card information of card and the end message of second terminal;
Virtual card generation module has second terminal distribution with the card information for generating request based on the virtual card There is the token number of dependence and generates using the token number as the virtual card of card number;And
Sending module, for sending first terminal for the virtual card of generation.
Computer-readable medium of the invention, is stored thereon with computer program, which is characterized in that
The computer program realizes above-mentioned virtual card generation method when being executed by processor.
Computer equipment of the invention, including memory, processor and storage are on a memory and can be on a processor The computer program of operation, which is characterized in that the processor realizes that above-mentioned virtual card is raw when executing the computer program At method.
Virtual card generation method according to the present invention and virtual card generate system, as long as user is on the user terminal of oneself Card can be tied up for example, by scanning the two-dimensional code a key by binding card, be not necessarily to bank card entity card number, be not necessarily to mobile phone identifying code, very Just accomplish quickly to tie up card, user experience is splendid.
It is used to illustrate the specific reality of certain principles of the invention together with attached drawing by include this paper attached drawing and then Mode is applied, other feature possessed by methods and apparatus of the present invention and advantage will become more concrete or explained It is bright.
Detailed description of the invention
Fig. 1 is the flow chart for indicating virtual card generation method of the invention.
The dependence of token is illustrated in Fig. 2.
Fig. 3 is the flow chart for indicating the virtual card generation method of an embodiment of the present invention.
Fig. 4 is the flow chart for indicating the virtual card binding of an embodiment of the present invention and releasing.
Fig. 5 is to indicate that the virtual card of an embodiment of the present invention generates the block diagram of system.
Specific embodiment
What is be described below is some in multiple embodiments of the invention, it is desirable to provide to basic understanding of the invention.And It is not intended to and confirms crucial or conclusive element of the invention or limit scope of the claimed.
Fig. 1 is the flow chart for indicating virtual card generation method of the invention.
As shown in Figure 1, virtual card generation method of the invention includes:
Step S100, first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal Payment Card is bound;
Step S200 shows the Payment Card list that the first terminal has been bound and selects needs from the Payment Card list The Payment Card bound with the second terminal;
Step S300, first terminal send token for the end message of the card information of the Payment Card selected and second terminal and take Business device system is to request to generate virtual card;And
Step S400, token server system have the token number of dependence based on the card information to second terminal distribution To generate virtual card and the dependence and token number returned to the first terminal.
Wherein, step S200 is optional step, in the case that first terminal has bound multiple Payment Cards, just there is the step Rapid S200, and in the case that first terminal has bound multiple Payment Cards, if what setting default card was bound as first choice In the case where Payment Card, it may not be necessary to which step S200 is set.In addition, working as the case where first terminal only binds a Payment Card Under, then do not need step S200.
Further, it can be further equipped with after step S400:
Storing step, first terminal store the dependence and the token number.
Wherein, the end message of the second terminal is obtained one of in the following manner in the step s 100:
The preset two dimensional code of the second terminal is scanned to obtain the end message of second terminal;
The account information of the second terminal is obtained by NFC communication mode;And
Input the account information of the second terminal.
Here for card information of the token server based on the Payment Card selected in step S400 to the second terminal Distributing, there is the content of the token number of dependence to be illustrated.Here the card information of Payment Card for example, at least includes token (Token) information.The dependence of token is illustrated in Fig. 2.
As shown in Fig. 2, the Payment Card selected has token A originally, token server system generates request based on virtual card Generate token A1, token A2, the token A3 that there is dependence with token.
Token A1, token A2, token A3 can be the token to same Payment Card of multiple second terminals and generate Attached token, there are in first terminal for the relations of dependence of these tokens.First terminal can the relations of dependence to these tokens into Row management, for example, carrying out delete operation.
Then, an embodiment of virtual card generation method of the invention is illustrated.
Fig. 3 is the flow chart for indicating the virtual card generation method of an embodiment of the present invention.
In this embodiment, first terminal is user terminal 100(for example, user mobile phone), second terminal is that vehicle is whole End 200,300 is token server.It is held to realize the Payment Card that user bound terminal 100 has been bound on vehicle termination 20 Row virtual card generation method of the invention.
As shown in figure 3, the virtual card generation method of an embodiment of the present invention includes the following steps:
Step S10: user terminal 100 obtains the end message for needing to generate the vehicle termination 200 of virtual card, wherein the user Terminal 100 has bound Payment Card, and the end message of vehicle termination 200 includes but is not limited to car terminals physical address, vehicle Account etc.;
Step S11: the Payment Card list bound of display user terminal 100 and user select to need with vehicle termination 200 into The Payment Card of row binding;
Step S12: user terminal 100 sends the end of card information (such as the token) and vehicle termination 200 for the Payment Card bound Client information requests to generate virtual card to token server 300;
Step S13: token server 300 is based on the card information to the token for including in the distribution of vehicle termination 200 and card information Token number with dependence, thus generates virtual card, and the dependence and token number are returned to user terminal 100; And
Step S14: what the storage of user terminal 100 was returned from token server 300 distributes to vehicle end based on the card information Token number and the dependence of the end 200 with dependence.
In step slo, 200 end message of vehicle termination is obtained one of in the following manner:
By scanning the preset two dimensional code of vehicle termination 200 to obtain the end message of a terminal 200, wherein this two It include the end message of a terminal 200 in dimension code;
The account information of vehicle termination 200 is obtained by NFC communication mode;And
Directly input the account information of vehicle termination 200.
By above-mentioned steps can by the Payment Card bound in user terminal 100 for example, by scanning the two-dimensional code in the way of It is directly bound to vehicle termination 200, ties up that snap past journey simple, without inputting bank card entity card number, is verified without mobile phone, it can It is truly realized and quickly ties up card, user experience is good.
Then, the process for tying up card for releasing is illustrated.
Fig. 4 is the flow chart for indicating the virtual card binding of an embodiment of the present invention and releasing.
Step S20: user selects the Payment Card to be unbinded on user terminal 100;
Step S21: card unbundlings request is sent to TOKEN server 300 by user terminal;
Step S22:TOKEN server 300 unbinds the corresponding relationship of token number and entity pays card and notifies to use by the situation Family terminal 100;
Step S23: the token number bound on vehicle termination 200 is removed;
Step S24: user terminal 100 deletes the token number relations of dependence, removes card success.
The virtual card generation method of present embodiment is illustrated above, then, for the void of present embodiment Quasi- card generation system is illustrated.
Fig. 5 is to indicate that the virtual card of an embodiment of the present invention generates the block diagram of system.
As shown in figure 5, it includes user terminal 100, token server that the virtual card of an embodiment of the present invention, which generates system, 300。
Wherein, user terminal 100 includes:
Module 110 is obtained, needs to generate the end message of the vehicle termination 200 of virtual card for obtaining, wherein the user is whole Payment Card itself is bound in end 100;And
Account management module 120 has bound the former card information and vehicle termination of Payment Card for sending user terminal 100 itself 200 end message requests to generate virtual card to token server 300, on the other hand, for storing based on former card information The token number and the dependence with dependence of vehicle termination 200 are distributed to by token server 300.
Wherein, obtaining module 110 includes one or more following module:
By scanning the preset two dimensional code of vehicle termination 200 to obtain the two dimensional code of the end message of vehicle termination 200 Read module 111;
For obtaining the NFC module 112 of the account information of vehicle termination 200 by NFC communication mode;And
For inputting the input module 113 of the account information of vehicle termination 200.
Wherein, board server 300 includes:
Receiving module 310, for receiving the terminal letter of the card information comprising Payment Card and vehicle termination 200 from user terminal 100 The virtual card of breath generates request;
Virtual card generation module 320, for generating request to the distribution of vehicle termination 200 and the card information based on the virtual card Token number with dependence and generate using the token number as the virtual card of card number;And
Sending module 320, for sending user terminal 100 for the virtual card of generation.
Further, the present invention also provides a kind of computer-readable medium, it is stored thereon with computer program, the computer journey Above-mentioned virtual card generation method is realized when sequence is executed by processor.
Further, the present invention also provides a kind of computer equipments, including memory, processor and storage are on a memory And the computer program that can be run on a processor, which is characterized in that the processor executes above-mentioned when the computer program Virtual card generation method.
Virtual card generation method according to the present invention and virtual card generate system, as long as user is on the user terminal of oneself Card can be tied up for example, by scanning the two-dimensional code a key by binding card, be not necessarily to bank card entity card number, be not necessarily to mobile phone identifying code, very Just accomplish quickly to tie up card, user experience is splendid.
Example above primarily illustrates virtual card generation method and its system, user terminal and token service of the invention Device.Although only some of a specific embodiment of the invention are described, those of ordinary skill in the art should Understand, the present invention can implemented without departing from its spirit in range in many other form.Therefore, the example that is shown with Embodiment is considered as illustrative and not restrictive, is not departing from the spirit of that invention as defined in appended claims And in the case where range, the present invention may cover various modification and replacement.

Claims (13)

1. a kind of virtual card generation method characterized by comprising
Obtaining step, first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal Payment Card is bound;
Sending step is requested, first terminal sends the end message of the card information for having bound Payment Card and the second terminal to Token server is to request to generate virtual card;And
Virtual card generation step, token server, which is based on the card information, has second terminal distribution with the card information The token number of dependence is to generate virtual card and the dependence and token number are returned to the first terminal.
2. virtual card generation method as described in claim 1, which is characterized in that laggard the one of the virtual card generation step Step includes:
Storing step, first terminal store the dependence and the token number.
3. virtual card generation method as described in claim 1, which is characterized in that in the obtaining step and request sending step Between be further equipped with:
Payment Card selects step, shows the Payment Card list that the first terminal has been bound and selects from the Payment Card list Select the Payment Card for needing to be bound with the second terminal.
4. virtual card generation method as described in claim 1, which is characterized in that
Obtain the end message of the second terminal one of in the following manner in the obtaining step:
By scanning the preset two dimensional code of the second terminal to obtain the end message of second terminal;
The account information of the second terminal is obtained by NFC communication mode;And
Directly input the account information of the second terminal.
5. a kind of virtual card generation method characterized by comprising
Obtaining step, first terminal obtains the end message for needing to generate the second terminal of virtual card, wherein the first terminal Payment Card is bound;
Sending step is requested, first terminal transmission is described to have bound the card information of Payment Card and the end message of the second terminal To request to generate virtual card;And
Storing step, what first terminal storage returned distributed to based on the card information second terminal with dependence Token number and the dependence.
6. virtual card generation method as claimed in claim 5, which is characterized in that in the obtaining step and request sending step Between be further equipped with:
Payment Card selects step, shows the Payment Card list that the first terminal has been bound and selects to need with described second eventually Hold the Payment Card bound.
7. virtual card generation method as claimed in claim 4, which is characterized in that
Obtain the end message of the second terminal one of in the following manner in the obtaining step:
By scanning the preset two dimensional code of the second terminal to obtain the end message of second terminal;
The account information of the second terminal is obtained by NFC communication mode;And
Directly input the account information of the second terminal.
8. a kind of virtual card generation method characterized by comprising
Receiving step receives virtual card from first terminal and generates request, wherein the virtual card generate request comprising with first eventually Hold the card information for the Payment Card bound and the end message of second terminal;And
Virtual card generation step, based on the virtual card generate request to the second terminal distribution with the card information have according to It deposits the token number of relationship and generates using the token number as the virtual card of card number.
9. a kind of user terminal characterized by comprising
Module is obtained, needs to generate the end messages of other terminals of virtual card for obtaining, wherein described user terminal itself Payment Card is bound;And
Account management module, for send described user terminal itself bound Payment Card card information and other terminals End message generates virtual card to request, and on the other hand, distributes to other described ends for storing based on the card information The token number and the dependence with dependence at end.
10. user terminal as claimed in claim 9, which is characterized in that
The acquisition module includes following one or more:
The two dimension of the end message of second terminal is obtained for the preset two dimensional code by scanning the second terminal Code read module;
For obtaining the NFC module of the account information of the second terminal by NFC communication mode;And
For inputting the input module of the account information of the second terminal.
11. a kind of token server characterized by comprising
Receiving module generates request for receiving virtual card from first terminal, wherein the virtual card generates request and includes payment The card information of card and the end message of second terminal;
Virtual card generation module has second terminal distribution with the card information for generating request based on the virtual card There is the token number of dependence and generates using the token number as the virtual card of card number;And
Sending module, for sending first terminal for the virtual card of generation.
12. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that
Virtual card generation method described in any one of claim 1 ~ 8 is realized when the computer program is executed by processor.
13. a kind of computer equipment, can run on a memory and on a processor including memory, processor and storage Computer program, which is characterized in that the processor realizes any one of claim 1 ~ 8 when executing the computer program The virtual card generation method.
CN201810419973.7A 2018-05-04 2018-05-04 A kind of virtual card generation method, user terminal and token server Pending CN108960818A (en)

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CN201810419973.7A CN108960818A (en) 2018-05-04 2018-05-04 A kind of virtual card generation method, user terminal and token server
PCT/CN2019/080978 WO2019210759A1 (en) 2018-05-04 2019-04-02 Virtual card generating method, user terminal, and token server
TW108112008A TWI770377B (en) 2018-05-04 2019-04-03 Virtual card generation method, user terminal and scepter server

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