CN111695895B - Virtual account management method and device - Google Patents
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- CN111695895B CN111695895B CN202010536967.7A CN202010536967A CN111695895B CN 111695895 B CN111695895 B CN 111695895B CN 202010536967 A CN202010536967 A CN 202010536967A CN 111695895 B CN111695895 B CN 111695895B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The application provides a virtual account management method and device, and relates to the technical field of information security. Dividing a preset subsection in a number section of a bank card number, and distinguishing a bank card from a virtual payment account group through a digital number in the preset subsection; associating at least one bank card of the user with the virtual account group; and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing a payment operation by using the at least one bank card associated with the virtual payment account group. By using the method, the risk of information leakage of the user can be reduced, and the operation of replacing the bound bank card can be simplified.
Description
Technical Field
The present application relates to the field of information security technologies, and in particular, to a method and an apparatus for managing a virtual account.
Background
On-line payment is increasingly popular in daily life due to the characteristics of rapidness, low cost and high safety.
Currently, when an online payment mode is used, bank cards opened in each bank are bound in each payment mechanism supporting an online payment function, so that on one hand, the bank card information (card number, mobile phone number and the like) of a user is required to be informed to each payment mechanism, and the risk of information leakage of the user exists; on the other hand, when the bound bank card needs to be replaced, the replacement needs to be performed for each payment mechanism, and the operation is inconvenient.
Disclosure of Invention
In order to solve the technical problems in the prior art, the application provides a virtual account management method and device, which can reduce the risk of information leakage of users and simplify the operation of replacing bound bank cards.
In a first aspect, the present application provides a method for managing a virtual account, applied to a banking system, the method including:
dividing a preset subsection in a number section of a bank card number, and distinguishing a bank card from a virtual payment account group through a digital number in the preset subsection;
associating at least one bank card of the user with the virtual account group;
and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing a payment operation by using the at least one bank card associated with the virtual payment account group.
Optionally, when associating at least two bank cards of the user with the virtual account group, the method further comprises:
setting the collection sequence and/or payment sequence of the at least two bank cards.
Optionally, the method further comprises associating the virtual account group of the other user with the virtual account group of the user.
Optionally, the method further comprises determining a permission level between the associated virtual account groups, and the virtual account groups with high permission levels manage bank cards associated with the virtual account groups with low permission levels.
Optionally, the preset subsections are one-bit number sections or two-bit number sections in the number sections of the card numbers.
Optionally, the bank card associated with the virtual account group at least includes one of the following:
debit or credit cards.
In a second aspect, an embodiment of the present application further provides a device for managing a virtual account, where the device is applied to a banking system, and the device includes: the device comprises a dividing unit, an association unit and a processing unit;
the dividing unit is used for dividing a preset subsection in a number section of the card number of the bank card, and distinguishing the bank card from the virtual payment account group through a digital number in the preset subsection;
the association unit is used for associating at least one bank card of the user with the virtual account group;
the processing unit is used for carrying out payment operation by utilizing the at least one bank card associated with the virtual payment account group when the card number in the payment request is determined to be the card number of the virtual payment account group.
Optionally, the apparatus further includes: a sequential setting unit;
the order setting unit is used for setting the collection order and/or payment order of at least two bank cards of the user when the at least two bank cards are associated with the virtual account group.
In a third aspect, embodiments of the present application further provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the virtual account management method described above.
In a fourth aspect, an embodiment of the present application further provides an electronic device, where the electronic device is configured to execute a program, and the method for managing a virtual account described above is executed when the program runs.
The technical scheme provided by the application has at least the following advantages:
the management method provided by the application comprises the steps of firstly dividing a preset subsection in a number section of a card number of a bank card, and distinguishing the bank card from a virtual payment account group through a digital number in the preset subsection, wherein the number of the virtual payment account group also accords with the rule of the card number of the bank card, and can be distinguished from the bank card through the digital number in the preset subsection; then, at least one bank card of the user is associated with the virtual account group, and the bank system can manage the association relationship; and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing payment operation by utilizing the at least one bank card associated with the virtual payment account group. By using the method, the card number of the virtual payment account group is adopted to carry out business with an external payment mechanism, and the associated bank card is invisible to the external payment mechanism, so that the leakage risk of private information of a user is reduced, and the associated bank card can be regulated under the condition that the card number of the virtual payment account group is not changed, so that replacement operation for each payment mechanism is avoided, and therefore, the user operation is simplified.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings may be obtained according to the drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a method for managing virtual accounts according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a bank card according to an embodiment of the present application;
fig. 3 is a schematic diagram of a virtual account management apparatus according to an embodiment of the present application;
FIG. 4 is a schematic diagram of another virtual account management apparatus according to an embodiment of the present application;
fig. 5 is a schematic diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Currently, when an online payment method is used, bank cards which are opened in each bank are required to be bound in each payment mechanism supporting an online payment function, and the risk of information leakage of a user exists.
In order to solve the technical problems, the embodiments of the present application provide a method, an apparatus, a computer readable storage medium, and an electronic device for managing a virtual account, by setting up a new virtual payment account group according to an original card number rule, and distinguishing a bank card from the virtual payment account group by a digital number in a preset subsection of a card number, an internally associated bank card can be optionally adjusted under the condition that the card number of the virtual payment account group is not changed, user privacy information is ensured to a certain extent, and replacement operation of a user for each payment mechanism is avoided, thereby simplifying user operation.
In order to make the present application better understood by those skilled in the art, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Embodiment one:
the embodiment of the application provides a virtual account management method, and the method is specifically described below with reference to the accompanying drawings.
Referring to fig. 1, the figure is a flowchart of a method for managing virtual accounts according to an embodiment of the present application.
The method provided by the embodiment of the application comprises the following steps:
s101: dividing a preset subsection in a number section of the bank card number, and distinguishing the bank card from the virtual payment account group through a digital number in the preset subsection.
The bank card in the embodiment of the application is a real bank card, and the card number rule of the virtual payment account group accords with the card number rule of the bank card of the affiliated bank.
Referring to fig. 2, the schematic diagram of a bank card according to an embodiment of the present application is shown.
The card number of the bank card 200 may be 19 digits, for example, where the first 6 digits are used to distinguish the bank to which the card belongs, and the remaining digits may be used to distinguish between the bank card and the virtual payment account group by dividing a preset subsection.
The preset subsection may be a one-bit number section or a two-bit number section in the number section of the card number, and the preset subsection 201 is illustrated as an example of the one-bit number section. In addition, the specific position of the preset sub-section is not specifically limited, that is, the number of the preset sub-section from the number of the preset sub-section is not limited in the embodiment of the application.
It may be appreciated that, in some embodiments, the virtual account group may be provided with an entity card, as with a bank card, that is, after the user applies for obtaining the card number of the virtual account group, the user may obtain the entity card; in other embodiments, the virtual payment account group may have only a corresponding card number, without having an entity card, and the card number information of the virtual payment account group is managed by the banking system, and the user may know the card number information and bind the card number of the virtual payment account group with a payment mechanism of a third party.
For a banking system, the card numbers of the virtual payment account groups and the bank card numbers can be managed uniformly, and the virtual payment account groups are distinguished through the number numbers in the preset subsections when distinguished, for example, the bank card numbers are used as the bank card numbers when the number numbers in the preset subsections are 1, and the virtual payment account groups are used as the virtual payment account groups when the number numbers in the preset subsections are 0; and for example, the bank card number when the number in the preset subfield is odd and the virtual payment account group when the number is even.
S102: at least one bank card of the user is associated with the virtual account group.
When the user applies for obtaining the card number of the virtual account group, the bank card opened in the corresponding bank may be associated to the virtual payment account group, and the user is allowed to associate a plurality of bank cards to the virtual account group, and the user may also release the association between the bank card and the virtual account group, which will be described in detail below.
In some embodiments, the user may associate at least two bank cards into the same virtual payment account group, where the user may set a collection order and/or a payment order of the at least two bank cards, and may set and manage the limits of the at least two bank cards respectively.
In other embodiments, the user may associate both his bank card and other user's virtual payment account group to his virtual payment account group, or may only associate other user's virtual payment account group to his virtual payment account group.
One possible application scenario of the above embodiment is a virtual payment account group in a unit of home, specifically, a guardian in the home may associate a monitored virtual payment account group into its own virtual payment account group, where the monitored virtual payment account group may be associated with a bank card of the monitored.
It is to be understood that the above description of the scenario is merely an example and is not to be construed as limiting the present application.
When the user associates the virtual account groups of other users with the virtual account groups of the user, the authority level among the associated virtual account groups can be determined, and the virtual account groups with high authority level manage the bank cards associated with the virtual account groups with low authority level. And combining the application scenes, namely that the authority level of the virtual account group of the guardian is high, and the authority level of the virtual account group of the guardian is low.
The bank card of the user may be a debit card or a credit card, and embodiments of the present application are not limited in detail.
S103: when the card number in the payment request is determined to be the card number of the virtual payment account group, performing a payment operation using at least one bank card associated with the virtual payment account group.
After binding the virtual payment account group with the payment mechanism or platform, when online payment is carried out, the bank receives a message which is sent by the payment mechanism and contains a payment request, wherein the message comprises a card number. And when the card number is determined to be the card number of the virtual payment account group according to the number in the preset subsection in the card number, performing payment operation by utilizing the at least one bank card associated with the virtual payment account group.
In summary, by using the management method provided by the embodiment of the present application, the preset subsections are divided in the number section of the card number of the bank card, and the bank card and the virtual payment account group are distinguished by the number in the preset subsection, that is, the number of the virtual payment account group also accords with the rule of the card number of the bank card, and can be distinguished from the bank card by the number in the preset subsection; then, at least one bank card of the user is associated with the virtual account group, and the bank system can manage the association relationship; and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing payment operation by utilizing the at least one bank card associated with the virtual payment account group. By using the management method, the card number of the virtual payment account group is adopted to carry out business with an external payment mechanism, and the associated bank card is invisible to the external payment mechanism, so that the leakage risk of private information of a user is reduced, and the associated bank card can be adjusted under the condition that the card number of the virtual payment account group is not changed, so that replacement operation for each payment mechanism is avoided, and therefore, the user operation is simplified.
Embodiment two:
based on the virtual account management method provided in the foregoing embodiment, a second embodiment of the present application further provides a virtual account management device, which is specifically described below with reference to the accompanying drawings.
Referring to fig. 3, the schematic diagram of a virtual account management apparatus according to an embodiment of the present application is shown.
The device of the embodiment of the application comprises: a dividing unit 301, an associating unit 302, and a processing unit 303.
The dividing unit 301 is configured to divide a preset subsection in a number section of a card number of a bank card, and distinguish the bank card from the virtual payment account group by a number in the preset subsection.
The preset subsections are one-bit number sections or two-bit number sections in the number sections of the card numbers.
The association unit 302 is configured to associate at least one bank card of the user with the virtual account group.
In some embodiments, the associating unit 302 is configured to further associate the virtual account group of the other user with the virtual account group of the user. Further, the association unit 302 is further configured to determine a permission level between the associated virtual account groups, where the virtual account groups with high permission levels manage the bank cards associated with the virtual account groups with low permission levels.
The bank card associated with the virtual account group may be a debit card or a credit card, and embodiments of the present application are not limited in detail.
The processing unit 303 is configured to perform a payment operation using at least one bank card associated with the virtual payment account group when it is determined that the card number in the payment request is the card number of the virtual payment account group.
Referring to fig. 4, the schematic diagram of a virtual account management apparatus according to an embodiment of the present application is shown.
The figure differs from the device shown in fig. 3 in that: a sequence setting unit 304 is also included.
The order setting unit 304 is configured to set a collection order and/or a payment order of at least two bank cards when the at least two bank cards of the user are associated with the virtual account group.
In summary, with the management device provided by the embodiment of the present application, the dividing unit divides the preset subsections in the number section of the card number of the bank card, and distinguishes the bank card from the virtual payment account group through the number in the preset subsection, i.e. the number of the virtual payment account group also accords with the rule of the card number of the bank card, and can distinguish the bank card from the number in the preset subsection; the association unit associates at least one bank card of the user with the virtual account group, and the bank system can manage the association relationship; and when the card number in the payment request is determined to be the card number of the virtual payment account group, the processing unit performs payment operation by utilizing the at least one bank card associated with the virtual payment account group. By utilizing the device, the card number of the virtual payment account group and an external payment mechanism are subjected to business, and the associated bank card is invisible to the external payment mechanism, so that the leakage risk of private information of a user is reduced, and the associated bank card can be regulated under the condition that the card number of the virtual payment account group is not changed, so that replacement operation for each payment mechanism is avoided, and therefore, the user operation is simplified.
The virtual account management device comprises a processor and a memory, wherein the dividing unit, the association unit, the processing unit, the sequence setting unit and the like are all stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.
The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel can be provided with one or more than one, and the management method of the virtual account is realized by adjusting kernel parameters.
The embodiment of the application provides a storage medium, wherein a program is stored on the storage medium, and the program realizes the virtual account management method when being executed by a processor.
The embodiment of the application provides a processor which is used for running a program, wherein the management method of the virtual account is executed when the program runs.
The embodiment of the application also provides electronic equipment, and the electronic equipment is specifically described below with reference to the accompanying drawings.
Referring to fig. 5, a schematic diagram of an electronic device according to an embodiment of the present application is shown.
The electronic device comprises at least one processor 501, at least one memory 502 connected to the processor 501, a bus; wherein, the processor 501 and the memory 502 complete the communication with each other through the bus 503; the processor 501 is configured to invoke the program instructions in the memory 502 to perform the virtual account management method described above.
The electronic device in the embodiment of the application can be a server, a PC, a PAD, a mobile phone and the like.
The application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of:
dividing a preset subsection in a number section of a bank card number, and distinguishing a bank card from a virtual payment account group through a digital number in the preset subsection;
associating at least one bank card of the user with the virtual account group;
and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing a payment operation by using the at least one bank card associated with the virtual payment account group.
Optionally, when associating at least two bank cards of the user with the virtual account group, the method further comprises:
setting the collection sequence and/or payment sequence of the at least two bank cards.
Optionally, the method further comprises associating the virtual account group of the other user with the virtual account group of the user.
Optionally, the method further comprises determining a permission level between the associated virtual account groups, and the virtual account groups with high permission levels manage bank cards associated with the virtual account groups with low permission levels.
Optionally, the preset subsections are one-bit number sections or two-bit number sections in the number sections of the card numbers.
Optionally, the bank card associated with the virtual account group at least includes one of the following:
debit or credit cards.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, the device includes one or more processors (CPUs), memory, and a bus. The device may also include input/output interfaces, network interfaces, and the like.
The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip. Memory is an example of a computer-readable medium.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.
Claims (10)
1. A method for managing virtual accounts, applied to a banking system, the method comprising:
dividing a preset subsection in a number section of a bank card number, and distinguishing a bank card from a virtual payment account group through a digital number in the preset subsection;
associating at least one bank card of the user with the virtual payment account group;
and when the card number in the payment request is determined to be the card number of the virtual payment account group, performing a payment operation by using the at least one bank card associated with the virtual payment account group.
2. The method of claim 1, wherein when associating at least two bank cards of the user with the virtual payment account group, the method further comprises:
setting the collection sequence and/or payment sequence of the at least two bank cards.
3. The method of claim 1, further comprising associating a virtual payment account group of the user with a virtual payment account group of the user.
4. The method of claim 3, further comprising determining a permission level between the associated virtual payment account groups, the high permission level virtual payment account group managing a bank card associated with the low permission level virtual payment account group.
5. The method of claim 1, wherein the predetermined subsection is a one-digit segment or a two-digit segment within a number segment of the card number.
6. The method of any of claims 1-5, wherein the bank card associated with the virtual payment account group comprises at least one of:
debit or credit cards.
7. A virtual account management apparatus, the apparatus being applied to a banking system, the apparatus comprising: the device comprises a dividing unit, an association unit and a processing unit;
the dividing unit is used for dividing a preset subsection in a number section of the card number of the bank card, and distinguishing the bank card from the virtual payment account group through a digital number in the preset subsection;
the association unit is used for associating at least one bank card of the user with the virtual payment account group;
the processing unit is used for carrying out payment operation by utilizing the at least one bank card associated with the virtual payment account group when the card number in the payment request is determined to be the card number of the virtual payment account group.
8. The apparatus of claim 7, wherein the apparatus further comprises: a sequential setting unit;
the order setting unit is used for setting the collection order and/or payment order of at least two bank cards of the user when the at least two bank cards are associated with the virtual payment account group.
9. A computer-readable storage medium, characterized in that a computer program is stored thereon, which program, when being executed by a processor, implements the method of managing virtual accounts according to any one of claims 1-6.
10. An electronic device comprising at least one processor and at least one memory coupled to the processor; the processor is configured to invoke program instructions in the memory to perform the method of managing virtual accounts of any of claims 1-6.
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| CN202010536967.7A CN111695895B (en) | 2020-06-12 | 2020-06-12 | Virtual account management method and device |
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| CN202010536967.7A CN111695895B (en) | 2020-06-12 | 2020-06-12 | Virtual account management method and device |
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| CN1619560A (en) * | 2004-12-09 | 2005-05-25 | 中国工商银行 | Card data business system used for payment on net and its method |
| CN101414370A (en) * | 2008-12-15 | 2009-04-22 | 阿里巴巴集团控股有限公司 | Payment method, system and payment platform capable of improving payment safety by virtual card |
| CN105590214A (en) * | 2014-12-31 | 2016-05-18 | 中国银联股份有限公司 | Payment method and payment system based on virtual card |
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