CN110310113A - A kind of virtual card matching process, server and mobile terminal based on geographical location - Google Patents
A kind of virtual card matching process, server and mobile terminal based on geographical location Download PDFInfo
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- 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
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Abstract
This application discloses a kind of virtual card matching process, server and mobile terminal based on geographical location.The described method includes: server receives the virtual card request of data for the first virtual card that mobile terminal is sent, the request carries first location information and user information, first virtual card are the virtual cards that the corresponding operator in the first position opens up；The remaining sum of the second virtual card of the user information correlation is inquired, second virtual card is the virtual card that the corresponding operator in the second position opens up；Judge in the virtual card database of the first position with the presence or absence of matched first virtual card of remaining sum with second virtual card；Matched first virtual card if it exists sends the virtual card data of first virtual card to the mobile terminal, so as to generate first virtual card on the mobile terminal.By the above-mentioned means, the application can be realized the noninductive switching of strange land virtual card, reduce user cost, improve user experience.
Description
Technical field
This application involves payment technology fields, more particularly to a kind of virtual card matching process based on geographical location, move
Dynamic terminal and server.
Background technique
With the progress of development of Mobile Internet technology and intelligent terminal technology, virtual card is simulated on mobile terminals and carries out nothing
The application scenarios of card payment become feasible and are also accepted extensively by masses.Such as it simulates and hands on the mobile terminal for have NFC function
The function of logical virtual card, the management of more convenient card and user's trip.
Present inventor is swiped the card and clearance is limited, strange land use is virtually by studying for a long period of time discovery by trans-regional
Card is limited, if user will open card again if strange land needs to use virtual card, makes troubles to user.
Summary of the invention
The application mainly solving the technical problems that provide a kind of virtual card matching process based on geographical location, it is mobile eventually
Noninductive generation strange land virtual card on mobile terminals can be realized without opening card in end and server.
In order to solve the above technical problems, the technical solution that the application uses is: providing a kind of based on geographical location
Virtual card matching process, comprising: server receives the virtual card request of data for the first virtual card that mobile terminal is sent, and request is taken
Band first location information and user information, the first virtual card is the virtual card that the corresponding operator in first position opens up；Inquiry is used
The remaining sum of second virtual card of family information association, the second virtual card are the virtual cards that the corresponding operator in the second position opens up；Sentence
With the presence or absence of matched first virtual card of remaining sum with the second virtual card in the virtual card database of disconnected first position；If it exists
The first virtual card matched sends the virtual card data of the first virtual card to mobile terminal, so that it is empty to generate first on mobile terminal
Quasi- card.
In order to solve the above technical problems, another technical solution that the application uses is: acquisition for mobile terminal first position
Information；The virtual card request of data of the first virtual card is sent to server, request carries first location information and user information, the
One virtual card is the virtual card that the corresponding operator in first position opens up；Receive the virtual card for the first virtual card that server is sent
Data, wherein the first virtual card is that server is found and the second virtual card in the virtual card database of the first virtual card
The smallest virtual card of remaining sum difference, the second virtual card are the virtual cards that user opens up in the corresponding operator in the second position；Parsing
The virtual card data of first virtual card generate the first virtual card.
In order to solve the above technical problems, another technical solution that the application uses is: providing a kind of server, server
Including processor, memory and telecommunication circuit, processor couples memory, telecommunication circuit, executes instruction at work, with cooperation
Memory, telecommunication circuit realize the above-mentioned virtual card matching process based on geographical location.
In order to solve the above technical problems, another technical solution that the application uses is: a kind of mobile terminal is provided, it is mobile
Terminal includes processor, memory and telecommunication circuit, and processor couples memory and telecommunication circuit, executes instruction at work,
To cooperate memory and telecommunication circuit to realize the above-mentioned virtual card matching process based on geographical location.
The beneficial effect of the application is: being in contrast to the prior art, the application is according to the position of acquisition for mobile terminal
Information searches the matched virtual card of virtual card remaining sum formerly bound with user in virtual card database in the position, mobile
After terminal receives the virtual card data of the position, the virtual card of the position is generated in mobile terminal, keeps user noninductive in strange land
Switch and using local virtual card, without user Kai Ka and supplement with money, saved and opened card cost, while being supplemented with money without cumbersome card of opening
With the operation of cancellation, the time of user is saved, user experience is improved.
Detailed description of the invention
Fig. 1 is the process of virtual card matching process first embodiment based on geographical location of the application based on server
Schematic diagram；
Fig. 2 is the process of virtual card matching process second embodiment based on geographical location of the application based on server
Schematic diagram；
Fig. 3 is the process of virtual card matching process fourth embodiment based on geographical location of the application based on server
Schematic diagram；
Fig. 4 is the binding that the application server releases the first virtual card and user, releases the stream of the second virtual card freezed
Journey schematic diagram；
Fig. 5 is the stream of virtual card matching process first embodiment based on geographical location of the application based on mobile terminal
Journey schematic diagram；
Fig. 6 is structural schematic diagram of the application based on one embodiment of mobile terminal；
Fig. 7 is the structural schematic diagram of one embodiment of the application server.
Specific embodiment
Below in conjunction with the attached drawing in the application embodiment, the technical solution in the application embodiment is carried out clear
Chu is fully described by, it is clear that described embodiment is only a part of embodiment of the application, rather than whole realities
Apply mode.Based on the embodiment in the application, those of ordinary skill in the art institute without making creative work
The every other embodiment obtained, shall fall in the protection scope of this application.
Referenced herein " embodiment " is it is meant that can in conjunction with a particular feature, structure, or characteristic that embodiment describes
To be included at least one embodiment of the application.There is the phrase in each position in the description
Refer to identical embodiment, nor the independent or alternative embodiment with other embodiment mutual exclusion.Art technology
Personnel explicitly and implicitly understand that embodiments described herein can be combined with other embodiment.
In addition, it should be noted that, term " first ", " second ", " third " in the application embodiment are only used for retouching
Purpose is stated, relative importance is not understood to indicate or imply or implicitly indicates the quantity of indicated technical characteristic.By
This, define " first ", " second ", " third " feature can explicitly or implicitly include at least one of the features.In addition,
Term " includes " and " having " and their any deformations in the application embodiment, it is intended that cover non-exclusive packet
Contain.
Referring to Fig. 1, Fig. 1 is that the application is implemented based on the virtual card matching process first based on geographical location of server
The flow diagram of mode.In this embodiment, this method comprises the following steps:
S101: server receives the virtual card request of data for the first virtual card that mobile terminal is sent, and request carries first
Location information and user information.
Wherein, user information includes user's unique identification, mobile terminal identification, subscriber phone number, virtual card account etc.
At least one of, user information is for matching the details that the user stores in the server.
Wherein, the first virtual card is the virtual card that the corresponding operator in first position opens up.First position refers to mobile whole
Hold the position for being different from user's permanent residence or previous position got.The mode of acquisition for mobile terminal first position can be
Present position information is obtained by GPS or dipper system, or the position that user selects or inputs is obtained by man-machine interface
Information, or user is obtained by man-machine interface and selects or inputs the instruction with station location marker, or the stroke letter imported from user
The location information for the destination extracted in breath.
The position that first position is not limited to mobile terminal or user is presently in can also be that user passes through man-machine boundary in advance
Face inputs the predeterminated position of mobile terminal, or the destination determined according to user's travel information.
For example, user has imported routing on mobile terminals, routing can be user and be manually entered,
It can be and obtained from train ticket, plane ticket, bus ticket etc..User goes on business from the city A to the city B, and the travel information of user is such as
On May 1st, 2019,08:00 was from 11:20 on the May 1 arrival city B in 2019, the city A, and mobile terminal therefrom extracts user 2019
It is sent to server after arriving at this information of the city B 11:20 on May 1, server saved the travel information of user, May 1
Before user arrives at the city B, starts the virtual card based on geographical location and match process.
In one embodiment, mobile terminal can be bound to form mapping relations with user information, e.g. pass through shifting
International Mobile Station Equipment Identification, hardware address, mobile terminal equipment model, Internet protocol address, the central processing unit of dynamic terminal
One of information or a variety of and user bind.In one embodiment, a user can only bind a mobile terminal,
The unique corresponding relation of mobile terminal and user is formed, only the virtual card of user is allowed to use on the mobile terminal at this time, this
Sample can ensure the safety of fund and user information in virtual card.Certainly, a user can also be same in a manner of white list
When bind multiple terminals, the virtual card of the unusable user on the mobile terminal other than white list.
When server receives the first location information that mobile terminal acquires through the above way and steps on mobile terminal
When the user information of record, according to user information judge first position whether be user's permanent residence position or previous position, if
It is not then further to judge whether first position has offered corresponding virtual card, if not yet being opened up virtually in first position
Card, then execute S102.
S102: the remaining sum of associated second virtual card of searching user's information.
It should be noted that first position and the second position are that virtual card operator division/administration is drawn in present embodiment
The two different positions divided, the second position can be the permanent position of the user, be also possible to the virtual card pair that user opens up
The other positions answered.Second virtual card is the virtual card that the corresponding operator in the second position opens up.
Wherein, the second virtual card refers to that user has opened up and be stored in the virtual card of server, and server is stored with the use
One or more virtual cards that the corresponding operator in family one or more position opens up.If the user stored in server is virtual
Block only one, e.g. the user has only opened up virtual card in permanent position, then directly acquires the remaining sum number of the virtual card
According to；It, can be according to the frequency that multiple virtual cards use from high to low if the user's virtual card stored in server has multiple
Priority of disposing order, such as the balance data of the highest virtual card of frequency of use is obtained, it can also first obtain all virtual card remaining sums
It sorts after data according to remaining sum size, determines the remaining sum or determination and the default the smallest void of remaining sum difference of the maximum virtual card of remaining sum
The remaining sum of quasi- card.
For example, the city A is the permanent residence of user, the city C is that user goes on business the more position of number, and user is in the city A and the city C
Traffic operation commercial city offer local traffic virtual card, according to the virtual card transaction data that server stores, judge to use
Family is higher than the frequency of the city C traffic virtual card using the frequency of use of the city A traffic virtual card, it is determined that the traffic virtual card in the city A is
After second virtual card, the balance data of the city A traffic virtual card is obtained, such as 10 yuan of remaining sum, the specific amount of money is subject to actual conditions,
Herein with no restrictions.
S103: judge in the virtual card database of first position with the presence or absence of the remaining sum matched first with the second virtual card
Virtual card.
Wherein, the virtual card database of first position refers to that virtual card platform establishes shared virtual card database, data
The first virtual card in library can be virtual card of the virtual card platform to card sending mechanism application.It in other embodiments can be with
It is the first idle virtual card of other users, is managed by virtual card platform, adequately to be utilized to existing resource.
It specifically, include at least one first virtual card in the virtual card database of first position, in virtual card database
Virtual card quantity can be configured according to a certain percentage according to the number of users of the position, the size of population and tourist flow etc..Number
It is possibly different from according to multiple virtual card remaining sums in library, it is also possible to which part is identical, it is also possible to all identical.In the first void
A virtual card identical with the second virtual card remaining sum is matched in the database of quasi- card, such as the remaining sum of the city A traffic virtual card is
10 yuan, then to find the city the B traffic virtual card of 10 yuan of remaining sum in the virtual card database in the city B.
In a specific embodiment, server is in user's registration virtual card account, naturally it is also possible to be that registration is virtual
After card account, acquisition user, which authorizes or signs an agreement with user, is arranged automatic value-charging balance threshold for the virtual card of its binding,
Automatic value-charging balance threshold can be a numerical value of the unified setting of virtual card platform, such as the conducts such as 10 yuan or 15 yuan or 20 yuan
Automatic value-charging balance threshold, specific value is herein with no restrictions.When the virtual card remaining sum of user is lower than the automatic value-charging threshold being arranged
When value, automatically from the remaining sum of third party's account charging virtual card of user to automatic value-charging balance threshold, virtual card is kept with this
The virtual card remaining sum of platform management is in a unified numerical value.At this point, in the second virtual card remaining sum and the first virtual card database
The first virtual card remaining sum it is identical, it can be ensured that and be more rapidly matched in the first virtual card database with it is second virtual
Identical first virtual card of card remaining sum.
S104: matched first virtual card if it exists sends the virtual card data of the first virtual card to mobile terminal, so that
The first virtual card is generated on mobile terminal.
Specifically, server, which is found in the first virtual card database, has the first void identical with the second virtual card remaining sum
After quasi- card, the data of first virtual card are transferred, the virtual card data of the first virtual card are sent to the corresponding mobile terminal of user,
So that generating the first virtual card on mobile terminals after mobile terminal receives the virtual card data of the first virtual card.
Wherein, the first virtual card is generated on mobile terminal, and it is virtual to refer to that mobile terminal receives server is sent first
After card data, the first virtual card data are parsed, the card catalogue of the first virtual card are constructed on mobile terminals, so that the first virtual card
It can be by read/write.
In one embodiment, after mobile terminal generates the first virtual card, can automatically switch default Virtual card is first
Virtual card, wherein target payment virtual card when default Virtual card is payment, in the virtual card data for sending the first virtual card to shifting
Before dynamic terminal, mobile terminal default Virtual card can be the second virtual card, in the case that user is corresponding with multiple virtual cards
It can be the corresponding virtual card of other positions, or be not provided with default Virtual card.In another embodiment, it can also be
Mobile terminal shown to user comprising multiple virtual card lists including the first virtual card by human-computer interaction interface, user according to
Actual conditions select one of virtual card for default Virtual card.
In a specific embodiment, the first virtual card data for being sent to mobile terminal can only include first empty
The sequence number of quasi- card, for example be the virtual card of HCE (Host-based Card Emulation, host mode card) simulation, virtually
The sensitive datas such as key, remaining sum, transaction counter, the transaction record of card are stored in server.Using mobile when the first virtual card
Terminal is communicated with server foundation, and transmission of transaction data is handled to server, realizes online transaction.The application of virtual card
Data management, security control are conducive to the handover management of virtual card, sensitive data is stored in cloud server by server admin
Also safer.
In another particular embodiment of the invention, the first virtual card data for being sent to mobile terminal can also include first
Virtual card sequence number, key, remaining sum, transaction counter, transaction record, token etc., mobile terminal receive the first virtual card
After data, virtual card data are stored in terminal local.Using directly transferring the data such as key from terminal when the first virtual card,
When network signal is bad, the off-line trading of mobile terminal may be implemented, can be improved the usage experience of user.
By the above-mentioned means, mobile terminal is obtained from server in user when reaching or will reach a new position
A virtual card identical with the virtual card remaining sum that user has formerly opened up is taken, user can not have to supplement the first virtual card with money
It can directly carry out using keeping user noninductive in the switching of virtual card, improve user experience.Since the first virtual card is virtual
The shared virtual card that card platform provides, user do not need to apply opening a virtual card again in new position, eliminate out and block institute
The operation and cost needed, has saved the time of user, moreover it is possible to enjoy the preferential of local card, reduce the cost of user.
It is virtual card matching process second based on geographical location of the application based on server referring specifically to Fig. 2, Fig. 2
The flow diagram of embodiment, second embodiment are with the virtual card matching process based on geographical location based on server
First embodiment based on, wherein present embodiment step same as the first embodiment, may refer to the first implementation
The content of mode, details are not described herein.In this embodiment, this method comprises the following steps:
S201: server receives the virtual card request of data for the first virtual card that mobile terminal is sent, and request carries first
Location information and user information.
S202: the remaining sum of associated second virtual card of searching user's information.
S203: judge in the virtual card database of first position with the presence or absence of the remaining sum matched first with the second virtual card
Virtual card.
Specifically, after server obtains the balance data of the second virtual card, according to the balance data of the second virtual card the
Identical first virtual card of surplus is searched whether in one virtual card database, if so, executing S208；If it is not, then executing
S204。
S204: the smallest first city virtual card of remaining sum difference of matching and the second virtual card.
It should be noted that difference is absolute value in present embodiment.
Specifically, the difference of all first virtual card remaining sums and the second virtual card remaining sum in the first virtual card database is calculated
Value, after determining the smallest first virtual card of remaining sum difference, user bound information and the smallest first virtual card of remaining sum difference continue
Execute S205.
S205: judge whether the remaining sum of the first virtual card is greater than the remaining sum of the second virtual card.
First virtual card remaining sum of user bound is likely larger than the second virtual card remaining sum, it is also possible to less than the second virtual card
Remaining sum.If so, executing S206；If it is not, then executing S207.
S206: from third party's account charging differential section amount of money that user binds to the second virtual card.
Specifically, after the difference of server the first virtual card of calculating and the second virtual card remaining sum, from the third of user's binding
The differential section of remaining sum is supplemented in square account with money to the second virtual card, so that the first virtual card is identical as the second virtual card remaining sum.Its
In, third party's account refers to that the Third-party payment mechanism with payment licence plate provides payment accounts, such as can be Alipay, micro-
Letter, can also be bank card account etc., herein with no restrictions.
It in a specific embodiment, is being that the second virtual card supplements the difference amount of money with money from third party's account of user
Before, server generates related announcement, is sent to mobile terminal request user confirmation, receives user's confirmation of mobile terminal transmission
After information, then carry out supplementing operation with money.
S207: from the virtual card platform account charging differential section amount of money to the first virtual card.
Specifically, after the difference of server the first virtual card of calculating and the second virtual card remaining sum, from virtual card platform account
In supplement the differential section of remaining sum with money to the first virtual card, so that the first virtual card is identical as the second virtual card remaining sum.
S208: sending the virtual card data of the first virtual card to mobile terminal, so that it is virtual to generate first on mobile terminal
Card.
When the first virtual card and identical the second virtual card remaining sum, the first virtual card is sent to the corresponding mobile terminal of user
Virtual card data, so that parsing the virtual card of the first virtual card after mobile terminal receives the virtual card data of the first virtual card
Data generate the first virtual card.
In the present embodiment, when the second virtual card and inconsistent the first virtual card remaining sum, by judging that second is virtual
The size of card and the first virtual card remaining sum, the second virtual card remaining sum is less than the third party that the first virtual card remaining sum is then bound from user
Account supplements the second virtual card with money, and the second virtual card remaining sum is greater than the first virtual card remaining sum then from virtual card platform to first
Virtual card is supplemented with money, keeps the remaining sum of the first virtual card and the second virtual card equal, balances user and virtual card platform account,
Clearing when the first virtual card and user being facilitated to unbind.Meanwhile user need to only confirm on mobile terminals and supplement operation, Ji Ke with money
Generation one current position location identical with the second virtual card remaining sum of mobile terminal or the position for the destination that will be reached
Virtual card, simplify user's operation, improve the experience of user.
The method third embodiment of virtual card matching process of the application based on geographical location is based on server
Based on the first embodiment of virtual card matching process based on geographical location, wherein present embodiment and first embodiment
Identical step may refer to the content of first embodiment, and details are not described herein.This method comprises the following steps:
First virtual card and the user information are bound, the virtual card data of second virtual card are freezed.
Specifically, server, which is found in the first virtual card database, has the first void identical with the second virtual card remaining sum
After quasi- card, the data of first virtual card are transferred, and the first virtual card of binding and user information, the first virtual card after binding exist
It being in the lock state in database, first virtual card just can be used in the user only bound therewith during binding, other
User can not match and use first virtual card, ensure that the first virtual card and the unique corresponding relation of user.
In present embodiment, freeze the second virtual card and can be to encrypt the data of the second virtual card, makes the second void
Quasi- card is encrypted to ciphertext and can not be read and write.
In another embodiment, freeze the second virtual card the second virtual card data is also possible to be transferred to freezing data
Library makes can not being read and write for the second virtual card.
Present embodiment can be such that the second virtual card data are not read and write, ensure by freezing the second virtual card data
The safety of fund in second virtual card.
It is virtual card matching process fourth based on geographical location of the application based on server referring specifically to Fig. 3, Fig. 3
The flow diagram of embodiment is with the first embodiment party of the virtual card matching process based on geographical location based on server
Based on formula to third embodiment, wherein present embodiment and first embodiment to the identical step of third embodiment,
It may refer to the content of first embodiment to third embodiment, details are not described herein.In this embodiment, this method packet
Include following steps:
S401: server receives the virtual card request of data for the first virtual card that mobile terminal is sent, and the request carries
First location information and user information.
S402: the remaining sum of associated second virtual card of searching user's information.
S403: search in the virtual card database of first position with matched first virtual card of the remaining sum of the second virtual card.
S404: the first virtual card of binding and user information freeze the virtual card data of the second virtual card.
S405: the virtual card data of the first virtual card of transmission to mobile terminal.
S406: the information that the first position that mobile terminal is sent is transformed to other positions is received.
Wherein, the mode of acquisition for mobile terminal other positions, which can be, is currently located position by GPS or dipper system acquisition
Confidence breath, or the location information that user selects or inputs is obtained by man-machine interface, or user's selection is obtained by man-machine interface
Or input has the instruction of station location marker, or the location information of destination extracted from the travel information that user imports.The
One evolution is the information of other positions, is user or when will leave interim first position, mobile terminal passes through
Aforesaid way gets the information of change in location.
S407: releasing the binding of the first virtual card and user information, releases freezing for the second virtual card.
After server receives change in location information, the first virtual card remaining sum and the second virtual card remaining sum are analyzed, is used
The account settlement at family and virtual card platform.After the completion of clearing, the binding of the first virtual card and user is released, releases the second virtual card
Freeze.
It is the binding that server releases the first virtual card and user information referring particularly to Fig. 4, Fig. 4, releases the second virtual card
The flow diagram freezed.
S4071: judge that the remaining sum of the first virtual card and the size relation of the remaining sum of the second virtual card execute if being equal to
S4074；If more than then executing S4072；If being less than, S4073 is executed.
It should be noted that the remaining sum of signified first virtual card is newest remaining sum, the second virtual card in present embodiment
Remaining sum be remaining sum when freezing.
S4072: it after third party's account that virtual card platform account stroke takes the differential section amount of money to bind to user, executes
S4074。
For example, traffic virtual card (i.e. the second virtual card) remaining sum when freezing in the city user A is 10 yuan, it is sent to user's shifting
The remaining sum of the traffic virtual card (the first virtual card) in the city B when dynamic terminal is also 10 yuan, and first position variation is other positions
When the city B traffic virtual card remaining sum be 12 yuan, illustrate user during being switched to the city B traffic virtual card, the mostly city B traffic is virtual
Card has supplemented 2 yuan with money.Realize that the account of user and virtual card platform balances, whens clearing, needs to retract 2 yuan that user supplements with money more, because
This, which needs to draw from the account of virtual card platform, takes in 2 yuan of third party's accounts bound to user.
In another embodiment, it can also be that virtual card platform account is that the second virtual card of user supplements differential section with money
The amount of money makes the remaining sum of the second virtual card when clearing equally be equal to the remaining sum of the first virtual card.
S4073: it after the third party's account stroke bound from user takes the differential section amount of money to virtual card platform account, executes
S4074。
For example, traffic virtual card (i.e. the second virtual card) remaining sum when freezing in the city user A is 10 yuan, it is sent to user's shifting
The remaining sum of the traffic virtual card (the first virtual card) in the city B when dynamic terminal is also 10 yuan, and first position variation is other positions
When the city B traffic virtual card remaining sum be 8 yuan, 2 yuan have been lacked compared with the traffic virtual card in the city A.Realize that user and virtual card are flat
The account of platform balances, and whens clearing needs 2 yuan of user's polishing of difference, it is therefore desirable to which the third party's account bound from user draws and takes 2
Member is into the account of virtual card platform.
In another embodiment, it can also be that user third party's account is that the first virtual card supplements the differential section amount of money with money,
The remaining sum of the second virtual card when clearing is set equally to be equal to the remaining sum of the first virtual card.
S4074: releasing the binding of the first virtual card and user information, releases freezing for the second virtual card.
Specifically, after the binding for releasing the first virtual card and user information, the first virtual card is released in the first virtual card number
According to the locking in library, make the first virtual card that can be matched and be used by other users.
Freezing for the second virtual card is released, so that the data of the second virtual card can be read and write.
S408: the instruction of transmission the first virtual card of deletion to mobile terminal.
Specifically, it after the binding of server the first virtual card of releasing and user information, generates and deletes what mobile terminal saved
The instruction of first virtual card data.Mobile terminal receives the instruction for deleting the first virtual card data, deletes what mobile terminal saved
The data of first virtual card.
When present embodiment will be left by monitoring user or will leave first position, the first virtual card is analyzed and determined
With the remaining sum size of the second virtual card, it then follows the principle to return the overcharge and demand payment of the shortage carries out user and the account of virtual card platform is settled accounts, and realizes
The balance between revenue and expenditure of user and virtual card platform.By releasing freezing for the second virtual card, so that the second virtual card restores can be used
State, while the binding relationship of the first virtual card and user is released, the data of the first virtual card of mobile terminal are deleted, user is not necessarily to
Voluntarily application moves back card or nullifies virtual card, simplifies user's operation.It is flat from virtual card that the scheme of present embodiment is equivalent to user
Platform borrows the virtual card of a first position identical with the virtual card remaining sum formerly opened up, when leaving or will leave first position
Automatically give back, open card without cumbersome and nullify operation, saved the time of user, operation needed for eliminating out card and at
This, moreover it is possible to the preferential of local card is enjoyed, the cost of user is reduced.
Referring to Fig. 5, Fig. 5 is that virtual card matching process first based on geographical location of the application based on mobile terminal is real
Apply schematic diagram.In this embodiment, this method comprises the following steps:
S501: acquisition for mobile terminal first location information.
S502: sending the virtual card request of data of the first virtual card to server, and request carries first location information and uses
Family information.
S503: the virtual card data for the first virtual card that server is sent are received.
S504: the virtual card data of the first virtual card of parsing generate the first virtual card.
In another embodiment, can with the following steps are included:
S505: the information that first position is changed to other positions is obtained.
S506: it sends first position and is changed to the information of other positions to server.
S507: the instruction of the virtual card data for the first virtual card of deletion that server is sent is received.
S508: the virtual card data of the first virtual card are deleted.
It is the method for mobile terminal in the above-mentioned virtual card matching process based on geographical location described in the embodiment
Process, referring specifically to the description of above embodiment, details are not described herein.
The application also provides a kind of mobile terminal for realizing the above-mentioned virtual card matching process based on geographical location, specifically
Please refer to the structural schematic diagram that 6, Fig. 6 is one embodiment of the application mobile terminal.In this embodiment, the mobile terminal packet
Processor 601, memory 602 and telecommunication circuit 603 are included, processor 601 couples memory 602 and telecommunication circuit 603, working
When execute instruction, to cooperate memory 602 and telecommunication circuit 603 to realize the above-mentioned virtual card matching process based on geographical location,
It is consistent in specific work process and above method embodiment, therefore details are not described herein, please refers to the above corresponding method step in detail
Rapid explanation.Wherein mobile terminal can be mobile phone, tablet computer, wearable device etc..
The application provides a kind of server also for realizing the above-mentioned virtual card matching process based on geographical location, specifically asks
It is the structural schematic diagram of one embodiment of the application server refering to Fig. 7, Fig. 7.In this embodiment, which includes place
Device 701, memory 702 and telecommunication circuit 703 are managed, processor 701 couples memory 702 and telecommunication circuit 703, holds at work
Row instruction, to cooperate memory 702 and telecommunication circuit 703 to realize the above-mentioned virtual card matching process based on geographical location, specifically
It is consistent in the course of work and above method embodiment, therefore details are not described herein, please refers to the above corresponding method step in detail
Explanation.
The foregoing is merely presently filed embodiments, are not intended to limit the scope of the patents of the application, all to utilize this
Equivalent structure or equivalent flow shift made by application specification and accompanying drawing content, it is relevant to be applied directly or indirectly in other
Technical field similarly includes in the scope of patent protection of the application.
Claims (10)
1. a kind of virtual card matching process based on geographical location, which is characterized in that the described method includes:
Server receives the virtual card request of data for the first virtual card that mobile terminal is sent, and the request carries first position letter
Breath and user information, first virtual card are the virtual cards that the corresponding operator in the first position opens up；
The remaining sum of the second virtual card of the user information correlation is inquired, second virtual card is the corresponding operation in the second position
The virtual card that quotient opens up；
Judge in the virtual card database of the first position with the presence or absence of the remaining sum matched first with second virtual card
Virtual card；
Matched first virtual card if it exists sends the virtual card data of first virtual card to the mobile terminal, so that
First virtual card is generated on the mobile terminal.
2. the virtual card matching process according to claim 1 based on geographical location, which is characterized in that further include:
If matched first virtual card of remaining sum with second virtual card is not present in the virtual card database of first position,
With with the smallest first virtual card of the remaining sum difference of second virtual card；
Judge whether the remaining sum of first virtual card is greater than the remaining sum of second virtual card；
If the remaining sum of first virtual card is greater than the remaining sum of second virtual card, the third party's account bound from user is filled
Value difference volume partial amount is to the second virtual card；
The virtual card data of first virtual card are sent to the mobile terminal, so as to generate described on the mobile terminal
One virtual card.
3. the virtual card matching process according to claim 1 based on geographical location, which is characterized in that further include:
If matched first virtual card of remaining sum with second virtual card is not present in the virtual card database of first position,
With with the smallest first virtual card of the remaining sum difference of second virtual card；
Judge whether the remaining sum of first virtual card is greater than the remaining sum of second virtual card；
If the remaining sum of first virtual card is less than the remaining sum of second virtual card, poor from the virtual card platform account charging
Volume partial amount is to the first virtual card；
The virtual card data of first virtual card are sent to the mobile terminal, so as to generate described on the mobile terminal
One virtual card.
4. the virtual card matching process according to any one of claims 1 to 3 based on geographical location, which is characterized in that described
Before the virtual card data to the mobile terminal for sending first virtual card further include:
Bind first virtual card and the user information；
Freeze the virtual card data of second virtual card.
5. the virtual card matching process according to claim 4 based on geographical location, which is characterized in that the method is also wrapped
It includes:
Receive the information that the transformation first position that the mobile terminal is sent is other positions；
The binding of first virtual card and the user information is released, freezing for the second virtual card is released；
The instruction for deleting first virtual card is sent to the mobile terminal, so that the mobile terminal deletes first void
The virtual card data of quasi- card.
6. the virtual card matching process according to claim 5 based on geographical location, which is characterized in that described in the releasing
The binding of first virtual card and the user information, release the second virtual card freeze include:
Judge whether the remaining sum of first virtual card is greater than the remaining sum of second virtual card；
If the remaining sum of first virtual card be equal to second virtual card remaining sum, release first virtual card with it is described
The binding of user information releases freezing for the second virtual card；
If the remaining sum of first virtual card is greater than the remaining sum of second virtual card, draws and take from the virtual card platform account
After third party's account that the differential section amount of money is bound to the user, first virtual card and the user information are released
Binding, release second virtual card and freeze；
If the remaining sum of first virtual card is less than the remaining sum of second virtual card, from the third of user binding
After square account stroke takes the differential section amount of money to the virtual card platform account, first virtual card and the user information are released
Binding, release second virtual card and freeze.
7. a kind of virtual card matching process based on geographical location, which is characterized in that the described method includes:
Acquisition for mobile terminal first location information；
The virtual card request of data of the first virtual card is sent to server, the request carries the first location information and user
Information, first virtual card are the virtual cards that the corresponding operator in the first position opens up；
Receive the virtual card data for first virtual card that the server is sent, wherein first virtual card is described
Server finds the smallest virtual with the remaining sum difference of the second virtual card in the virtual card database of first virtual card
Card, second virtual card is the virtual card that the user opens up in the corresponding operator in the second position；
The virtual card data of first virtual card are parsed, first virtual card is generated.
8. the virtual card matching process according to claim 7 based on geographical location, which is characterized in that further include:
Obtain the information that the first position is changed to other positions；
It sends the first position and is changed to the information of other positions to the server；
The instruction for deletion first virtual card that server is sent is received, response described instruction deletes first virtual card
Virtual card data.
9. a kind of server, which is characterized in that the server includes processor, memory and telecommunication circuit, the processor
The memory, telecommunication circuit are coupled, is executed instruction at work, to cooperate the memory, telecommunication circuit to realize that right is wanted
The virtual card matching process based on geographical location of asking 1-6 described in any item.
10. a kind of mobile terminal, which is characterized in that the mobile terminal includes processor, memory and telecommunication circuit, the place
It manages device and couples the memory and telecommunication circuit, execute instruction at work, to cooperate the memory and telecommunication circuit to realize
The described in any item virtual card matching process based on geographical location of claim 7-8.
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| CN201910419751.XA CN110310113B (en) | 2019-05-20 | 2019-05-20 | Virtual card matching method based on geographic position, server and mobile terminal |
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| CN201910419751.XA CN110310113B (en) | 2019-05-20 | 2019-05-20 | Virtual card matching method based on geographic position, server and mobile terminal |
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| US11995643B2 (en) * | 2022-05-10 | 2024-05-28 | Capital One Services, Llc | System and method for providing a temporary virtual payment card |
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