CN110969437A

CN110969437A - Method, system, electronic device and medium for obtaining payment authority of virtual bank card

Info

Publication number: CN110969437A
Application number: CN201811144152.3A
Authority: CN
Inventors: 孙泽平; 聂学贤
Original assignee: JD Digital Technology Holdings Co Ltd
Current assignee: JD Digital Technology Holdings Co Ltd
Priority date: 2018-09-28
Filing date: 2018-09-28
Publication date: 2020-04-07
Anticipated expiration: 2038-09-28
Also published as: CN110969437B; WO2020063138A1

Abstract

The utility model provides a method for obtaining virtual bank card payment authority, including receiving user operation, respond to user operation, confirm whether customer end equipment possesses the function of near field communication, under the condition that possesses the function of near field communication, send the application request of applying for the virtual bank card, and under the condition that the application request satisfies the application condition, obtain the virtual bank card and the payment sign of predetermined quantity of payment account, the payment sign is according to the card information encryption of virtual bank card is generated for make other equipment pass through obtaining the payment sign, confirm the corresponding virtual bank card that the payment used. Another aspect of the present disclosure also provides a system, an electronic device, and a computer-readable storage medium for obtaining a payment authority of a virtual bank card.

Description

Method, system, electronic device and medium for obtaining payment authority of virtual bank card

Technical Field

The present disclosure relates to the field of internet technologies, and in particular, to a method, a system, an electronic device, and a medium for obtaining a payment authority of a virtual bank card.

Background

With the development of internet technology, payment modes are more and more, such as two-dimensional code payment, mobile wallet, flash payment and the like, and abundant payment modes bring convenience for offline payment. For example, flash payment is a payment method for realizing payment by using a Near Field Communication (NFC) function, and when two devices supporting NFC are close together, they can automatically start a network communication function to realize non-contact mobile payment, thereby greatly simplifying a payment process and improving user experience.

In the course of implementing the disclosed concept, the inventors found that there are at least the following problems in the prior art: the payment mode, such as flash payment, for realizing payment by using the near field communication function has potential safety hazard.

Disclosure of Invention

In view of the above, the present disclosure provides a method, system, electronic device and medium for obtaining payment authority of a virtual bank card.

One aspect of the present disclosure provides a method for obtaining a payment authority of a virtual bank card, including receiving a user operation, determining whether a client device has a near field communication function in response to the user operation, sending an application request for applying for the virtual bank card in case of having the near field communication function, and obtaining the virtual bank card of a payment account and payment identifiers of a preset number in case of the application request satisfying an application condition, where the payment identifiers are generated by encrypting card information of the virtual bank card, and are used for enabling other devices to determine a corresponding virtual bank card used for payment by obtaining the payment identifiers.

According to an embodiment of the present disclosure, after the virtual bank card is used, the payment identifier is consumed, the method further includes obtaining a number of the payment identifiers remaining in the virtual bank card, and obtaining at least one payment identifier when the number is smaller than a preset threshold value, so that the number of the payment identifiers included in the virtual bank card is the preset number.

According to the embodiment of the disclosure, the method further includes obtaining current user information, determining whether the user information corresponding to the virtual bank card stored in the client device is consistent with the current user information based on the current user information, and removing the virtual bank card stored in the client device and the user information corresponding to the virtual bank card if the user information is inconsistent.

According to the embodiment of the disclosure, in the case of having the function of near field communication, sending the application request for applying for the virtual bank card includes, in the case of having the function of near field communication, acquiring authentication information of the client device, sending a request for opening a payment account based on the authentication information, and in the case of successfully opening the payment account, sending the application request for applying for the virtual bank card, wherein the payment account is opened based on user information in an application program.

According to the embodiment of the disclosure, the assets in the virtual bank card comprise at least one payment asset corresponding to the user information in the application program, wherein the payment asset comprises the virtual asset of the user information in the application program.

According to an embodiment of the present disclosure, the method further includes setting the virtual bank card as a default payment bank card, and sending a notification that the default payment bank card is the virtual bank card to the user.

Another aspect of the present disclosure provides a system for obtaining payment authority of a virtual bank card, including a receiving module configured to receive a user operation, a determining module configured to determine whether a client device has a function of near field communication in response to the user operation, a sending module configured to send an application request for applying for the virtual bank card in a case that the client device has the function of near field communication, and a first obtaining module configured to obtain the virtual bank card of a payment account and a preset number of payment identifiers in a case that the application request satisfies an application condition, where the payment identifiers are generated by encrypting card information of the virtual bank card, and are used for enabling other devices to determine a corresponding virtual bank card used for payment by obtaining the payment identifiers.

According to the embodiment of the disclosure, after the virtual bank card is used, the payment identifier is consumed, the system further includes a second obtaining module configured to obtain the number of the remaining payment identifiers in the virtual bank card, and a third obtaining module configured to obtain at least one payment identifier when the number is smaller than a preset threshold, so that the number of the payment identifiers included in the virtual bank card is the preset number.

According to the embodiment of the present disclosure, the system further includes a fourth obtaining module configured to obtain current user information, a determining module configured to determine, based on the current user information, whether user information corresponding to a virtual bank card already stored in the client device is consistent with the current user information, and a clearing module configured to clear the virtual bank card stored in the client device and the user information corresponding to the virtual bank card in case of inconsistency.

According to the embodiment of the disclosure, the sending module comprises an obtaining submodule and a sending submodule, wherein the obtaining submodule is used for obtaining the authentication information of the client device under the condition that the near field communication function is provided, the first sending submodule is used for sending a request for opening a payment account based on the authentication information, and the second sending submodule is used for sending an application request for applying a virtual bank card under the condition that the payment account is successfully opened, wherein the payment account is opened based on user information in an application program.

According to the embodiment of the disclosure, the system further comprises a setting module for setting the virtual bank card as a default payment bank card and sending a notification that the default payment bank card is the virtual bank card to a user.

Another aspect of the disclosure provides an electronic device comprising one or more processors, a storage to store one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of the above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of the disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.

According to the embodiment of the disclosure, the problem of potential safety hazard in virtual bank card payment can be at least partially solved, and therefore, the technical effect of improving the safety of virtual bank card payment can be achieved.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1A and 1B schematically illustrate an application scenario for obtaining payment authority of a virtual bank card according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method of obtaining payment rights for a virtual bank card according to an embodiment of the disclosure;

fig. 3 schematically shows a flowchart for sending an application request for applying for a virtual bank card with a function of near field communication according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method of obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of a method of obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 6 schematically shows a flow chart of a method of obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow chart of a method of obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 8 schematically illustrates a block diagram of a system for obtaining payment rights for a virtual bank card according to an embodiment of the present disclosure;

FIG. 9 schematically illustrates a block diagram of a system for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 10 schematically illustrates a block diagram of a system for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure;

FIG. 11 schematically shows a block diagram of a transmit module according to an embodiment of the disclosure;

FIG. 12 schematically illustrates a block diagram of a system for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure; and

fig. 13 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). It will be further understood by those within the art that virtually any disjunctive word and/or phrase presenting two or more alternative terms, whether in the description, claims, or drawings, should be understood to contemplate the possibilities of including one of the terms, either of the terms, or both terms. For example, the phrase "a or B" should be understood to include the possibility of "a" or "B", or "a and B".

The embodiment of the disclosure provides a method for obtaining payment authority of a virtual bank card, which includes receiving user operation, responding to the user operation, determining whether a client device has a near field communication function, sending an application request for applying the virtual bank card under the condition that the client device has the near field communication function, and obtaining the virtual bank card of a payment account and payment identifications of a preset number under the condition that the application request meets an application condition, wherein the payment identifications are generated by encrypting card information of the virtual bank card and are used for enabling other devices to determine the corresponding virtual bank card used for payment through obtaining the payment identifications.

Fig. 1A and 1B schematically illustrate an application scenario for obtaining payment authority of a virtual bank card according to an embodiment of the present disclosure. It should be noted that fig. 1A and 1B are only examples of application scenarios to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, but do not mean that the embodiments of the present disclosure may not be applied to other scenarios.

As shown in fig. 1A, the application scenario includes a terminal device 100, for example, the terminal device 100 may install a shopping application 110, and the shopping application 110 includes a control 111. The user can apply for a virtual bank card supporting flash payment by clicking the control 111.

As shown in fig. 1B, after the user performs some operations according to the prompt of the shopping application 110, the user successfully applies for the virtual bank card 200. According to the embodiment of the present disclosure, the terminal device 100 acquires the virtual bank card 200 and also acquires a preset number of payment identifiers. The payment identifier is generated by encrypting the card information of the virtual bank card 200, and is used for enabling other equipment such as a post machine to determine the corresponding virtual bank card used for payment by acquiring the payment identifier.

Fig. 2 schematically shows a flowchart of a method for obtaining payment authority of a virtual bank card according to an embodiment of the present disclosure.

As shown in fig. 2, the method includes operations S210 to S240.

In operation S210, a user operation is received.

In operation S220, it is determined whether the client device is capable of near field communication in response to the user operation.

In operation S230, in the case where the function of the near field communication is provided, an application request for applying for a virtual bank card is transmitted.

In operation S240, under the condition that the application request satisfies the application condition, the virtual bank card of the payment account and the payment identifiers of the preset number are obtained, where the payment identifiers are generated by encrypting the card information of the virtual bank card, and are used for enabling other devices to determine the corresponding virtual bank card used for payment by obtaining the payment identifiers.

The method generates the payment identifier corresponding to the virtual bank card by encrypting the virtual bank card, thereby carrying out payment according to the payment identifier and improving the security of payment.

According to an embodiment of the present disclosure, in operation S210, for example, in the scenario illustrated in fig. 1A, an operation of receiving a user clicking on the control 111 may be performed.

According to an embodiment of the present disclosure, in operation S220, for example, in the scenario shown in fig. 1A, it may be determined whether the terminal device 100 is provided with a function of near field communication after receiving a click operation of a user.

According to the embodiment of the present disclosure, in operation S230, the sending of the application request for applying for the virtual bank card may be, for example, that a payment software package provided by the shopping application 110 installed on the terminal device 100 calls a unionpay payment software package, the unionpay payment software package calls a unionpay payment server, and the unionpay payment server calls a server of the shopping application 110, so as to send the application request for applying for the virtual bank card to the server of the shopping application 110.

Fig. 3 schematically shows a flowchart of sending an application request for applying for a virtual bank card with a function of near field communication according to an embodiment of the present disclosure.

As shown in fig. 3, the method includes operations S231 to S233.

In operation S231, in the case where the function of near field communication is provided, authentication information of the client device is acquired.

In operation S232, a request for opening a payment account is transmitted based on the authentication information.

In operation S233, in case that the payment account is successfully opened, an application request for applying for a virtual bank card is transmitted, wherein the payment account is opened based on user information in an application program.

According to the embodiment of the present disclosure, in operation S231, the authentication information of the client device, for example, in the scenario shown in fig. 1A, may be that a payment software package provided by the shopping application 110 installed on the terminal device 100 calls a unionpay payment software package, the unionpay payment software package collects device information of the terminal device 100, and issues the authentication information according to the device information, where the authentication information may be a token, for example.

According to an embodiment of the present disclosure, in operation S232, a request for opening a payment account is sent to a server of the shopping application 110 based on the authentication information.

According to the embodiment of the disclosure, the server of the shopping application 110 acquires the authentication information and communicates with the union pay server, so that the union pay server verifies whether the authentication information is valid.

According to an embodiment of the present disclosure, in operation S233, in the case where the above-described authentication information is valid, the shopping class application 110 opens the payment account based on the user information.

Referring back to fig. 2, in operation S240, for example, in the case that the shopping application 110 verifies that the application request satisfies the application condition, a message of successful verification is sent to the unionpay server, and a virtual bank card is generated by the unionpay and sent to the terminal device 100. The endpoint device 100 acquires the preset number of payment identifiers while acquiring the virtual bank card, so as to perform payment according to the payment identifiers. For example, when the terminal device 100 approaches a post machine to pay, the post acquires the payment identifier, so that the background of the post determines the virtual bank card to be used according to the payment identifier.

Fig. 4 schematically shows a flowchart of a method for obtaining payment authority of a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 4, the method further includes operations S410 and S420 on the basis of the foregoing embodiment.

In operation S410, the number of the remaining payment identities in the virtual bank card is obtained.

In operation S420, in a case that the number is smaller than a preset threshold, at least one payment identifier is obtained, so that the number of the payment identifiers included in the virtual bank card is the preset number.

According to an embodiment of the present disclosure, the payment identifier is consumed after the virtual bank card is used. For example, each use of a virtual bank card consumes one payment identifier. Through consuming the payment identification, when the number of the payment identification is smaller than a preset threshold value, the unionpay issues the payment identification again, and the account information can be checked again when the payment identification is issued, for example, the payment password and the equipment information are checked, so that the payment safety is further improved.

According to an embodiment of the present disclosure, in operation S410, the payment software package, which may be a shopping-type application, for example, acquires the number of payment identifications remaining in the virtual bank card.

According to the embodiment of the disclosure, in operation S420, for example, the payment software package, which may be a shopping application, applies for the payment identifier to the union pay to avoid that the payment identifier is empty, which results in that the payment cannot be performed.

Fig. 5 schematically shows a flowchart of a method for obtaining payment authority of a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 5, the method further includes operations S510 to S530 on the basis of the foregoing embodiment.

In operation S510, current user information is acquired.

In operation S520, it is determined whether user information corresponding to the virtual bank card that has been stored in the client device is consistent with the current user information based on the current user information.

In operation S530, in case of an inconsistency, the virtual bank card stored in the client device and the user information corresponding to the virtual bank card are cleared.

The method can clear the virtual bank card stored in the client device, and avoid the virtual bank card created by other users before being used by the current user.

According to the embodiment of the disclosure, in operation S510, for example, the method is applied to a shopping application, and user information logged in the shopping application is acquired.

According to an embodiment of the present disclosure, in operation S520, it may be determined whether virtual bank cards of other users of the shopping application are already stored in the terminal device, for example.

According to an embodiment of the present disclosure, in operation S530, for example, in the case that a virtual bank card of another user exists, the virtual bank card of the other user and user information corresponding to the virtual bank card may be deleted.

According to the embodiment of the disclosure, the assets in the virtual bank card comprise at least one payment asset corresponding to the user information in the application program, wherein the payment asset comprises the virtual asset of the user information in the application program. For example, the method is applied to a shopping application, and the assets in the virtual bank card comprise at least part of payment assets added by the user in the shopping application, such as a plurality of bank cards. According to an embodiment of the present disclosure, the payment asset includes a virtual asset of the user in the application, such as a vault, a white bar, a coin of the user in the application.

Fig. 6 schematically shows a flowchart of a method for obtaining payment authority of a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 6, the method further includes operation S610 based on the foregoing embodiment.

In operation S610, the virtual bank card is set as a default payment bank card, and a notification that the default payment bank card is the virtual bank card is sent to the user.

The method sets the automatic virtual bank card as the default payment bank card and sends the notice to the user, thereby improving the user experience.

Fig. 7 schematically shows a flowchart of a method for obtaining payment authority of a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 7, in this embodiment, a flash payment SDK (Software Development Kit) 710, a union pay SDK 720, a union pay flash cloud platform 730, a shopping application 740, and a shopping application virtual payment server 750 are included.

As shown in fig. 7, for example, the client is installed with a flash payment SDK 710 and a unionpay SDK 720. The flash payment SDK 710 and the union pay SDK 720 respectively verify whether the client supports NFC, and obtain a determination result, similarly to performing operation S220.

Under the condition of supporting the NFC, the union pay service is registered, the union pay SDK 720 acquires device information, the union pay flash cloud platform 730 issues a token, and after the flash payment SDK obtains the token, the shopping application 740 verifies whether the account is changed, similarly to the operation S520. And if the account is not changed, executing the initial union pay service. And if the account is changed, clearing the virtual bank card and the virtual bank card information stored in the client, and initializing the UnionPay service after clearing.

After the Unionpay service is started, an account opening request is sent to the shopping application virtual payment server 750, wherein the account opening request comprises a token, so that the validity of the user can be verified according to the token. Operation S232 is performed similarly. According to an embodiment of the present disclosure, the shopping application virtual payment server 750 verifying the validity of the user may include, for example, verifying whether the user is a real name, signed with the shopping application platform and the bank of the shopping application, etc.

After the account opening is successful, a claim card request is sent, similar to performing operation S230. According to an embodiment of the present disclosure, the shopping application virtual payment server 750 verifies the validity of the user identity, including, for example, device information, user account information, and the like.

And after the successful application of the card, activating the Unionpay service to enable the Unionpay service to generate a virtual bank card.

Acquiring the virtual bank card, and writing the card information of the virtual bank card into the mobile phone, similarly to performing operation S240.

After the virtual bank card is obtained, the shopping application selects the virtual bank card as a default payment bank card and sends a notice that the default payment bank card is the virtual bank card to a user. Operation S610 is performed similarly.

Fig. 8 schematically illustrates a block diagram of a system 800 for obtaining payment rights for a virtual bank card according to an embodiment of the present disclosure.

As shown in fig. 8, the system 800 for obtaining payment authority of a virtual bank card includes a receiving module 810, a determining module 820, a sending module 830, and a first obtaining module 840.

The receiving module 810, similar to performing operation S210 described above with reference to fig. 2, receives a user operation.

The determining module 820, similar to performing operation S220 described above with reference to fig. 2, determines whether the client device is capable of near field communication in response to the user operation.

The sending module 830, similar to the operation S230 described above with reference to fig. 2, sends an application request for applying for the virtual bank card with the function of near field communication.

The first obtaining module 840, similarly to the operation S240 described above with reference to fig. 2, obtains the virtual bank card of the payment account and the preset number of payment identifiers if the application request satisfies the application condition.

Fig. 9 schematically illustrates a block diagram of a system 900 for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 9, the system 900 for obtaining payment authority of a virtual bank card further includes a second obtaining module 910 and a third obtaining module 920 based on the foregoing embodiments.

The second obtaining module 910, similarly to the operation S410 described above with reference to fig. 4, obtains the number of the payment identifiers remaining in the virtual bank card.

The third obtaining module 920, similar to the operation S420 described above with reference to fig. 4, obtains at least one payment identifier if the number is less than a preset threshold, so that the number of payment identifiers included in the virtual bank card is the preset number.

Fig. 10 schematically shows a block diagram of a system 1000 for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 10, the system 1000 for obtaining payment authority of a virtual bank card further includes a fourth obtaining module 1010, a determining module 1020 and a clearing module 1030 on the basis of the foregoing embodiments.

The fourth obtaining module 1010 obtains the current user information similarly to the operation S510 described above with reference to fig. 5.

The determining module 1020, similar to performing operation S520 described above with reference to fig. 5, determines whether the user information corresponding to the virtual bank card already stored in the client device is consistent with the current user information based on the current user information.

The clearing module 1030, similar to the operation S530 described above with reference to fig. 5, clears the virtual bank card stored in the client device and the user information corresponding to the virtual bank card in case of an inconsistency.

Fig. 11 schematically illustrates a block diagram of a transmitting module 830 according to an embodiment of the disclosure.

As shown in fig. 11, the sending module 830 includes an obtaining sub-module 831, a first sending sub-module 832, and a second sending sub-module 833.

The obtaining sub-module 831, similarly to the operation S231 described above with reference to fig. 3, obtains the authentication information of the client device with the function of near field communication.

The first sending sub-module 832, similar to performing operation S232 described above with reference to fig. 3, sends a request to open a payment account based on the authentication information.

The second sending sub-module 833, similar to the operation S233 described above with reference to fig. 3, sends an application request for applying for the virtual bank card if the payment account is successfully opened, where the payment account is opened based on the user information in the application program.

Fig. 12 schematically shows a block diagram of a system 1200 for obtaining payment rights for a virtual bank card according to another embodiment of the present disclosure.

As shown in fig. 12, the system 1200 for obtaining payment authority of a virtual bank card further includes a setting module 1210 based on the foregoing embodiments.

The setting module 1210, similar to performing operation S610 described above with reference to fig. 6, sets the virtual bank card as a default payment bank card and sends a notification to the user that the default payment bank card is the virtual bank card.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any plurality of the receiving module 810, the determining module 820, the sending module 830, the first obtaining module 840, the second obtaining module 910, the third obtaining module 920, the fourth obtaining module 1010, the determining module 1020, the clearing module 1030, the obtaining sub-module 831, the first sending sub-module 832, the second sending sub-module 833 and the setting module 1210 may be combined into one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to the embodiment of the present disclosure, at least one of the receiving module 810, the determining module 820, the sending module 830, the first obtaining module 840, the second obtaining module 910, the third obtaining module 920, the fourth obtaining module 1010, the determining module 1020, the clearing module 1030, the obtaining submodule 831, the first sending submodule 832, the second sending submodule 833 and the setting module 1210 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware and firmware, or an appropriate combination of any of them. Alternatively, at least one of the receiving module 810, the determining module 820, the sending module 830, the first obtaining module 840, the second obtaining module 910, the third obtaining module 920, the fourth obtaining module 1010, the determining module 1020, the clearing module 1030, the obtaining sub-module 831, the first sending sub-module 832, the second sending sub-module 833 and the setting module 1210 may be at least partially implemented as a computer program module, which may perform corresponding functions when executed.

Fig. 13 schematically shows a block diagram of an electronic device adapted to implement the above described method according to an embodiment of the present disclosure. The electronic device shown in fig. 13 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 13, an electronic device 1300 according to an embodiment of the present disclosure includes a processor 1301 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1302 or a program loaded from a storage section 1308 into a Random Access Memory (RAM) 1303. The processor 1301 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1301 may also include onboard memory for caching purposes. Processor 1301 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 1303, various programs and data necessary for the operation of the system 1300 are stored. The processor 1301, the ROM1302, and the RAM 1303 are connected to each other via a bus 1304. The processor 1301 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM1302 and/or the RAM 1303. Note that the programs may also be stored in one or more memories other than the ROM1302 and RAM 1303. The processor 1301 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

In accordance with an embodiment of the present disclosure, system 1300 may also include an input/output (I/O) interface 1305, which is also connected to bus 1304. The system 1300 may also include one or more of the following components connected to the I/O interface 1305: an input portion 1306 including a keyboard, a mouse, and the like; an output section 1307 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1308 including a hard disk and the like; and a communication section 1309 including a network interface card such as a LAN card, a modem, or the like. The communication section 1309 performs communication processing via a network such as the internet. A drive 1310 is also connected to the I/O interface 1305 as needed. A removable medium 1311 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1310 as necessary, so that a computer program read out therefrom is mounted into the storage portion 1308 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such embodiments, the computer program may be downloaded and installed from a network via communications component 1309 and/or installed from removable media 1311. The computer program, when executed by the processor 1301, performs the functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than the ROM1302 and/or the RAM 1303 and/or the ROM1302 and the RAM 1303 described above.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A method of obtaining payment rights for a virtual bank card, comprising:

receiving user operation;

determining whether the client device is provided with a function of near field communication in response to the user operation;

under the condition of having the function of near field communication, sending an application request for applying for a virtual bank card; and

and under the condition that the application request meets the application conditions, acquiring the virtual bank cards of the payment account and payment identifications of a preset number, wherein the payment identifications are generated by encrypting the card information of the virtual bank cards and are used for enabling other equipment to determine the corresponding virtual bank cards used for payment through acquiring the payment identifications.

2. The method of claim 1, wherein the payment identifier is consumed after the virtual bank card is used, the method further comprising:

acquiring the number of the residual payment identifiers in the virtual bank card;

and under the condition that the number is smaller than a preset threshold value, acquiring at least one payment identifier so as to enable the number of the payment identifiers included by the virtual bank card to be the preset number.

3. The method of claim 1, further comprising:

acquiring current user information;

determining whether user information corresponding to a virtual bank card stored in the client device is consistent with the current user information or not based on the current user information; and

and if the client device is inconsistent with the virtual bank card, clearing the virtual bank card stored in the client device and the user information corresponding to the virtual bank card.

4. The method of claim 1, wherein the sending an application request for applying for a virtual bank card with near field communication capability comprises:

acquiring authentication information of the client device under the condition of having a near field communication function;

sending a request for opening a payment account based on the authentication information; and

and sending an application request for applying for the virtual bank card under the condition that the payment account is successfully opened, wherein the payment account is opened based on user information in an application program.

5. The method of claim 4, wherein the assets in the virtual bank card comprise:

at least one payment asset in the application corresponding to the user information, wherein the payment asset comprises a virtual asset of the user information in the application.

6. The method of claim 1, further comprising:

and setting the virtual bank card as a default payment bank card, and sending a notice that the default payment bank card is the virtual bank card to a user.

7. A system for obtaining payment rights for a virtual bank card, comprising:

the receiving module is used for receiving user operation;

a determining module, configured to determine whether the client device is capable of near field communication in response to the user operation;

the sending module is used for sending an application request for applying the virtual bank card under the condition of having the function of near field communication; and

the first acquisition module is used for acquiring the virtual bank cards of the payment accounts and payment identifiers of a preset number under the condition that the application request meets the application conditions, wherein the payment identifiers are generated according to the card information encryption of the virtual bank cards and are used for enabling other equipment to determine the corresponding virtual bank cards used for payment through acquiring the payment identifiers.

8. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-6.

9. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 6.