WO2017054693A1 - 实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质 - Google Patents

实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质 Download PDF

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Publication number
WO2017054693A1
WO2017054693A1 PCT/CN2016/100176 CN2016100176W WO2017054693A1 WO 2017054693 A1 WO2017054693 A1 WO 2017054693A1 CN 2016100176 W CN2016100176 W CN 2016100176W WO 2017054693 A1 WO2017054693 A1 WO 2017054693A1
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WIPO (PCT)
Prior art keywords
card
virtual user
user card
application
authentication
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PCT/CN2016/100176
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English (en)
French (fr)
Inventor
郭懿心
韦德志
杨耿彬
郑伟涛
吴文勤
Original Assignee
腾讯科技（深圳）有限公司
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Publication of WO2017054693A1 publication Critical patent/WO2017054693A1/zh

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass

Definitions

  • the present invention relates to the field of Internet application technologies, and in particular, to an information processing method and system for implementing a virtual user card, a mobile payment terminal, and a storage medium.
  • the acquisition of the user card will be the process of submitting the application materials and identity documents through the counter of the bank outlet, and signing and verifying the identity documents in person. After completing this process and checking the user card of the entity and mailing it, the waiting time is longer for the user.
  • the information processing method, system, mobile payment terminal and storage medium for realizing a virtual user card disclosed in the present application solve one or more problems involved in the background art.
  • An information processing method for implementing a virtual user card comprising:
  • the authentication of the virtual user card is claimed according to the authentication page identifier, and the authentication of the virtual user card application includes a second card user authentication and a video face sign;
  • An information processing system for implementing a virtual user card comprising:
  • the mobile payment terminal is configured to obtain the application information by using the online application page of the virtual user card, and initiate a virtual user card application request to the transfer service device according to the application information; and receive the authentication page identifier returned by the transfer service device.
  • the authentication page identifier is that the transfer service device returns according to whether the current application is a re-application of the user card; and the authentication of the virtual user card is jumped according to the authentication page identifier,
  • the authentication of the virtual user card application includes the second card user authentication and the video visa; receiving the virtual user card information issued according to the authentication result;
  • the transfer service device is configured to receive a virtual user card application request initiated by the mobile payment terminal, and apply for issuing a card to the card issuance server according to the virtual user card application request;
  • the card issuance server is configured to receive the application information sent by the transfer service device, and issue the card according to the application information.
  • a mobile payment terminal includes a memory and a processor, wherein the memory stores instructions that, when executed by the processor, cause the processor to perform the following steps:
  • the service initiates a virtual user card application request
  • the authentication of the virtual user card is performed according to the authentication page identifier, and the authentication of the virtual user card application includes a second card user authentication and a video face sign;
  • One or more computer non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the steps of:
  • the authentication of the virtual user card is claimed according to the authentication page identifier, and the authentication of the virtual user card application includes a second card user authentication and a video face sign;
  • FIG. 1 is a schematic structural diagram of a mobile payment terminal according to an embodiment
  • FIG. 2 is a flowchart of an information processing method for implementing a virtual user card in an embodiment
  • FIG. 3 is a flowchart of an information processing method for implementing a virtual user card in another embodiment
  • FIG. 4 is a flowchart of an information processing method for implementing a virtual user card in another embodiment
  • FIG. 5 is a flow chart of a method for authenticating an authentication of the virtual user card according to the authentication page identifier in FIG. 1;
  • FIG. 6 is a flowchart of an information processing method for implementing a virtual user card in another embodiment
  • FIG. 7 is a flowchart of an information processing method for implementing a virtual user card in another embodiment
  • FIG. 8 is a flowchart of an information processing method for implementing a virtual user card in another embodiment
  • FIG. 9 is a system architecture topology diagram of implementing a virtual user card in an embodiment
  • FIG. 10 is a sequence diagram of a virtual user card application performed by a user in FIG. 9;
  • FIG. 11 is a sequence diagram of a virtual user card application performed by a user who does not hold a user card in FIG. 10;
  • FIG. 12 is a timing diagram of online fast payment of a virtual user card in an embodiment
  • Figure 13 is a timing diagram of offline payment of a virtual subscriber card in one embodiment
  • FIG. 14 is a schematic block diagram showing the structure of a mobile payment terminal in an information processing system for implementing a virtual subscriber card in an embodiment
  • 15 is a schematic block diagram showing the structure of a conversion service device in an information processing system for implementing a virtual user card in another embodiment
  • 16 is a schematic block diagram showing the structure of a card issuance server in an information processing system for implementing a virtual subscriber card in another embodiment
  • 17 is a schematic block diagram showing the structure of the authentication jump module of FIG. 14;
  • FIG. 18 is a schematic block diagram showing the structure of a forwarding service device in another embodiment
  • 19 is a schematic block diagram showing the structure of a card issuance server in another embodiment
  • Figure 20 is a block diagram showing the structure of a transit service device in another embodiment.
  • an information processing method for realizing the virtual user card is proposed.
  • the implementation of virtual The information processing method of the user card is implemented by a computer program, and correspondingly, the constructed information processing system for implementing the virtual user card is stored in the mobile payment terminal to run on the mobile payment terminal, thereby implementing the virtual user card. Issuance and online and offline payments made using the virtual user card.
  • FIG. 1 shows a structure of a mobile payment terminal according to an embodiment of the present invention.
  • the mobile payment terminal 100 is merely an example of the application of the present invention and is not to be considered as providing any limitation as to the scope of use of the present invention.
  • the mobile payment terminal 100 is also not to be construed as requiring a combination of one or more of the components of the exemplary mobile payment terminal 100 that are dependent on or have the illustration.
  • the mobile payment terminal 100 includes a processor 110, a memory 120, and a system bus 130. Various sets including memory 120 and processor 110 will be coupled to system bus 130.
  • Processor 110 is a hardware for executing computer program instructions through basic arithmetic and logic operations in a computer system.
  • Memory 120 is a physical device for temporarily or permanently storing computer programs or data.
  • the program instructions are stored in the memory 120; the processor 110 will execute the program instructions in the memory 120 and respond to various operations obtained by the interception.
  • the mobile payment terminal 100 also includes various input interfaces 170, input devices 140 to enable input of various operations.
  • the input device 140 may be at least one of a touch screen, a button, a keyboard, and a mouse.
  • the mobile payment terminal 100 also includes a storage device 180, which can be selected from a variety of computer readable storage media, which are any available media that can be accessed, both mobile and fixed. medium.
  • a computer readable medium and, but not limited to, a flash memory (micro SD card), a CD-ROM, a digital versatile disc (DVD) or other optical disc, a magnetic tape cartridge, a tape storage or other storage device, or can be used to store the required information Any other media that can be accessed.
  • the mobile payment terminal 100 to which the present invention is applied will perform a specified operation of implementing a virtual user card, that is, the specified operation is performed by the processor 110 executing program instructions in the memory 120.
  • the present invention can be equally implemented by a hardware circuit or a hardware circuit in combination with software instructions, and thus, the present invention is not limited to any specific hardware circuit, software, or a combination of both.
  • the information processing method for implementing the virtual user card is as shown in FIG. 2 Show, including:
  • Step S210 Obtain an application information through an online application page of the virtual user card, and initiate a virtual user card application request to the transfer service according to the application information.
  • the user card includes a physical user card and a virtual user card, that is, the user card as described above, that is, a debit card, a credit card, etc., which is applied through an offline outlet, and the virtual user card passes through the online
  • the application does not need to be attached to the physical card, and only need to obtain the relevant virtual user card information to realize its payment function.
  • the virtual user card may be an electronic payment card issued by a bank or other financial institution through online application, having all functions or partial functions such as consumer payment, credit loan, transfer settlement, and cash access.
  • the online application page of the virtual user card will be implemented by the mobile payment terminal, which may be a page loaded by the browser in the mobile payment terminal, or may be loaded by the mobile payment terminal by triggering the online application of the virtual user card in the application. Page.
  • the online application page of the virtual user card includes a form for the user to input the application information, and the input application information can be obtained through the form, and the application information is related information required for the virtual user card application, for example, the name. , an identification number, etc., wherein the identification number may be a number used to uniquely identify a user in the identification certificate of various users, and the identification card includes but is not limited to an ID card, a driver's license, a passport card, a resident card, etc. A document that identifies the user.
  • the virtual user card application request is initiated to the transfer service according to the application request, so as to implement the virtual user card application entry through the online application page of the virtual user card.
  • the transit service as the access layer for the user to apply for the virtual user card through the mobile payment terminal, receives the virtual user card application request initiated by the mobile payment terminal and responds to it.
  • the transfer service can be a server program in the server to provide access and various services for the implementation of the virtual user card in the mobile payment terminal.
  • the user identity verification is performed to determine whether the user has the right to apply for the virtual user card online, and then complete the corresponding user identifier. After the password is verified, the user can jump to the online application page of the virtual user card to ensure the identity of the user.
  • the password verification may be a payment password corresponding to the online payment by the user, thereby facilitating the issuance and subsequent implementation of the virtual user card. Online payment, etc., which makes it integrated in an account system to improve security and convenience.
  • Step S230 Receive an authentication page identifier returned by the transfer service, where the authentication page identifier is returned by the transfer service according to whether the current application is a re-application of the user card.
  • the forwarding service that receives the virtual user card application request performs verification of the precondition, wherein the precondition includes the correctness of the application information in the virtual user card request and the card corresponding to the user who applies for the virtual user card.
  • the precondition includes the correctness of the application information in the virtual user card request and the card corresponding to the user who applies for the virtual user card.
  • the situation, etc., after this verification, the return of the corresponding authentication page identifier will be performed according to the verification result.
  • the authentication page identifier is used to indicate the subsequent authentication performed by the mobile payment terminal. Therefore, the difference of the authentication page identifier corresponding to the authentication of the virtual user card in the different mobile payment terminals.
  • the authentication page identifier corresponds to a card holding situation corresponding to the user currently applying for the virtual user card, wherein the card holding situation includes not holding the user card and holding the user card, and therefore, is not held.
  • the card holding status of the user card corresponds to the authentication page identifier of the video face sign, and the card holding status of the held user card corresponds to the second card user authentication page identifier.
  • the user card mentioned above may be an entity user card and/or a virtual user card, and only needs to query the user card according to the application information to obtain the corresponding authentication page identifier. .
  • the application information is used to query whether the user holds any virtual user card and/or an entity user card, and then the authentication page identifier is updated according to the query result, so that the authentication page identifier is delivered from the transfer service to the mobile device. Payment terminal.
  • step S250 the authentication of the virtual user card is obtained according to the authentication page identifier, and the authentication requested by the virtual user card includes the two-card user authentication and the video face-to-face.
  • the mobile payment terminal After receiving the authentication page identifier returned by the transit service, the mobile payment terminal will jump to the corresponding authentication, and then perform the identity verification and verification necessary for the user card application.
  • the authentication of the virtual user card application according to the authentication page identifier includes the two-card user authentication and the video visa, which takes into account the authentication process performed by the user who applies for the user card again and the user who applies for the user card for the first time.
  • the authentication process is carried out so that the security requirements of the user application can be completed under various user card holding conditions, and can be adapted to all users who need to apply for a virtual user card.
  • Step S270 receiving virtual user card information issued according to the authentication pass result.
  • the end of the authentication requested by the virtual user card will return the corresponding authentication result, and the authentication result is only The results were passed for the purpose of the authentication and the results of the authentication.
  • the sender of the virtual user card obtains the result of the authentication pass, it indicates that the user who is currently applying for the virtual user card has the relevant conditions for holding the virtual user card, and can then issue the virtual user card for the application.
  • the virtual user card does not use the physical card as a carrier, so it can greatly save the cost of production.
  • the virtual user card is issued by issuing the corresponding virtual user card information, and the virtual user card information includes a virtual user card code, an account number (PAN), a quota, and the like.
  • the security requirement consistent with the physical user card is satisfied, and the acquisition of the user card is real-time, the waiting time of the user is greatly shortened, and the virtual user card is realized.
  • Instant application and real-time access so that the user card can be applied at any time, issued at any time and ready to use.
  • the method as described above further includes:
  • Step S310 in the transfer service, the virtual user card application request extracts the application information corresponding to the virtual user card application.
  • the side where the transfer service is located after receiving the virtual user card application request initiated by any mobile payment terminal, the corresponding application information is extracted by the virtual user card application request.
  • step S330 the application information corresponding to the virtual user card application is forwarded to the card issuance server, so as to initiate the virtual user card application as an inquiry for re-applying the user card.
  • the card issuing server acts as a carrier for information processing and interaction of the card issuing party, and stores card information of all users. For users who have already held the user card, the identity identification number and card holding information are stored in the card issuing server. Therefore, according to the application information, the card issuing server can be queried whether the user who is currently applying for the virtual user card is the user who applies for the user card again, and accordingly adopts the corresponding authentication method according to the query result.
  • Step S350 receiving a result value returned by the card issuing server, and performing an update of the authentication page identifier according to the result value.
  • the card issuing server performs the card information inquiry according to the application information, if the corresponding card information is obtained by querying, the contact information is extracted from the card information, and the result value formed by the contact mode is returned to the transfer service; If you do not query the corresponding card information, you will also be transferred to the service. The feedback is used to identify the result value of the current query result.
  • the transfer service After receiving the result value returned by the card issuing server, the transfer service will update the authentication page identifier to send the updated authentication page identifier to the mobile payment terminal.
  • the accuracy of the application information may be verified, for example, checking the name, the identification number, etc., to ensure the accuracy of the information and the smoothness of the virtual user card. .
  • the method as described above further includes:
  • Step S410 The card issuing server determines, according to the received application information, whether the virtual application card application is a re-application of the user card. If yes, the process proceeds to step S430. If no, the process proceeds to step S450.
  • Step S430 returning the result value corresponding to the second card user authentication to the transfer service.
  • Step S450 returning a result value corresponding to the video face sign to the transfer service.
  • whether the currently performed virtual user card application is a re-application of the user card can be queried by the mapping relationship between the identity identification number and the card-holding information stored in the card-issuing server.
  • the step S250 includes:
  • step S251 the authentication of the virtual user card is triggered according to the authentication page identifier, and the identity identification image is obtained and uploaded.
  • the authentication page identifier is returned by the transfer service according to the current application being a re-application of the user card, and correspondingly, the authentication claimed by the virtual user card is a video face-to-face.
  • the uploading of the identity card image will be performed first, and the identity card image includes the front face image of the identity card and the reverse image of the identity card, which will be imported and uploaded to the transfer service in the mobile payment terminal. in.
  • the transfer service will encrypt and receive the received identity card image.
  • Step S253 receiving the face-to-face guidance information sent by the transfer service, and displaying the information on the authentication page.
  • the mobile payment terminal currently performing the face-to-face signing will receive the face-to-face guidance information, and display the face-to-face guidance information for guiding the user to perform the face-to-face check.
  • the face-to-face guide information includes a plurality of contents, which may be respectively delivered by the transfer service according to the execution stage corresponding to the face-to-face signing by the mobile payment terminal; or may be delivered by the transfer service once, and the mobile payment terminal separately displays the content.
  • the user is gradually guided by the face-to-face process.
  • the information of the face signing guide includes starting a video recording instruction, a face signing action indication policy and a label, an authorization text, and the like.
  • the mobile payment terminal will first receive the start video recording command, which is to start the video recording according to the start video recording command, and notify the user to perform face-to-face preparation through the authentication page. .
  • the mobile payment terminal receives the face-to-face action indication policy and the tag, wherein the face-to-face action indication policy is used to guide the user to perform a series of actions according to the indication policy, and the tag will mark the action in the obtained media data.
  • the display of the indication policy of the face-to-face action in the authentication page of the mobile payment terminal is used to guide the user to perform a series of actions required for the face-to-face signing, and the video recording initiated at this time will collect corresponding media data, and A corresponding tag is added to the media data corresponding to an action, thereby obtaining media data including the action segment and the tag.
  • the transfer service After completing the action guide of the face-to-face, the transfer service will issue an authorization text to the mobile payment terminal to instruct the user to read the authorized text at the designated time, and the initiated video recording will also collect the media data.
  • Step S255 Perform media data collection on the face-to-face behavior performed by the user through the guidance of the face-to-face guidance information in the authentication page.
  • Step S257 reporting media data to the transfer service to initiate authentication of the virtual user card claim to the transfer service.
  • the transit service receives the media data reported by the mobile payment terminal and encrypts and stores it for subsequent reading.
  • the method as described above further includes:
  • Step S510 the identity identification message is initiated by the identity identification image and the media data in the transfer service. Match the query to get the returned query ID.
  • the transfer service will connect with the national security department, such as the Ministry of Public Security system, the Federal Bureau of Investigation system, etc., to upload the identity identification image and media data to the docked national security department, and then through the national security department to identify and match the identification information to obtain corresponding
  • the face-to-face score and query ID are associated with the store.
  • Step S530 reporting the query identifier and the application information to the card issuance server.
  • the application information and the query identifier are also reported to the card issuance server, so that the card issuer can perform the preliminary review of the virtual user card issue for the information.
  • the method as described above further includes:
  • Step S610 obtaining, by the card issuance server, the face-to-face score corresponding to the query identifier.
  • the face-to-face score corresponding to the face-to-face signed by the mobile payment terminal is obtained according to the correspondence between the query identifier and the face-to-face score.
  • Step S630 performing virtual card processing on the virtual user card according to the face-to-face score and the application information to obtain virtual user card information.
  • step S650 the virtual user card information is delivered.
  • the card issuing server delivers the obtained virtual user card information to the mobile payment terminal, so that the mobile payment terminal can complete the payment behavior by the delivered virtual user card information.
  • the issuing channel of the virtual user card information between the card issuing server and the mobile payment terminal may be implemented by the forwarding server or by other channels of the card issuing party.
  • the method as described above further includes:
  • the virtual user card identifier in the virtual user card information is mapped to the corresponding user identifier to obtain a mapping relationship between the virtual user card identifier and the user identifier, and is stored in the transit service.
  • the fast payment binding of the virtual user card is implemented through the mapping between the virtual user card identifier and the user identifier, so that the subsequent payment can be bound by the fast payment of the virtual user card, that is, the virtual user card identifier and the user identifier.
  • the implementation of the mapping relationship between the two improves the convenience of the use of virtual user cards.
  • the method as described above further includes:
  • Step S710 receiving a payment request initiated via an online payment page, according to the payment request Get payment specified parameters and user ID.
  • the user ID and the corresponding password are the payment account and payment password corresponding to the online payment of the user. Therefore, in the online payment page including the payment specification parameter and the user identification, the input payment password will be acquired to trigger the payment behavior to initiate a payment request to the transfer service.
  • the payment request will include a payment password to complete the authentication of the payment by the payment password to obtain the payment designation parameter and the user identification after the response to the payment request is completed.
  • Step S730 Obtain a virtual user card identifier corresponding to the user identifier according to the mapping relationship stored in the transit service.
  • mapping relationship between the user identifier and the virtual user card identifier is stored in the transit service. Therefore, the transit service that obtains the user identifier in the payment request will find the corresponding mapping relationship according to the user identifier. Then, the corresponding virtual user card identifier is obtained by the mapping relationship.
  • Step S750 initiating payment according to the virtual user card identifier and the payment designated parameter.
  • the transfer service Since the transfer service only provides virtual access and service for the virtual user card application and online payment, it cannot implement any user card function, which will be implemented by the card issuer of the user card, so the transfer service will be sent to the card issuer server. Initiate payment to achieve the corresponding deduction and other functions.
  • the method as described above further includes:
  • the payment identification process is performed on the virtual user card identifier in the virtual user card information to obtain a payment token, and is added to the virtual user card information.
  • the payment token is a substitute value for the virtual user card identifier, and is streamed in all aspects of the payment to improve the ease of data in each link.
  • the method further includes:
  • the mobile payment terminal receiving the virtual subscriber card information writes the payment token in the virtual subscriber card information to the SE security chip.
  • the NFC technology is written into the SE security chip of the mobile payment terminal, so that the mobile payment terminal performs offline payment on the POS machine.
  • the system architecture of the present invention for implementing a virtual user card can be seen in FIG. That is, it can be configured by the mobile payment terminal 810, the transfer server 830 carrying the transfer service, and the card issuer 850, so as to realize the issuance of the virtual user card and the online and offline payment through the interaction between the three.
  • the mobile payment terminal 810 can be any NFC-enabled terminal device.
  • the user can apply for a card at the mobile payment terminal 810 carried by the user, that is, initiate an application for the virtual user card.
  • the user will perform relevant user identification and payment password at the mobile payment terminal 810 to perform verification of the user identity, so that the mobile payment terminal 810 currently has the right to apply for online application of the virtual user card, and then jump into the virtual Online application page for the user card.
  • the application information such as the name and the identification number input by the user is obtained from the online application page of the displayed virtual user card, and the mobile payment terminal 810 initiates a virtual user card application request to the transfer server 830 according to this, that is, S930 to S940.
  • the transfer server 830 performs an accuracy check of the application information according to the received virtual user card application request, and initiates pre-verification, that is, S950 and S960, to the card-issuing server 850.
  • the card issuing server 850 will check whether the currently applied virtual user card is the second card or the nth card in the user card, the n is an arbitrary integer greater than 2, and if yes, execute S980 to perform the second card. User authentication, if not, performs the timing process as shown in FIG.
  • the user card held by the user as described above refers to a valid card held by the user.
  • the result value returned by the card issuing server 850 is obtained by S980, that is, the mobile phone number reserved by the user on the card issuer, and the authentication page identifier is updated accordingly, to return the authentication page identifier to the mobile payment terminal 810, and then jump to the corresponding SMS verification page.
  • the transfer server 830 will perform a short message verification on the mobile payment terminal 810 by calling the short message verification code service.
  • the forwarding server 830 calls the short message verification code service to send the short message verification code to the mobile payment terminal 810.
  • the mobile payment terminal 810 it will report the short message verification code by the short message verification page, so that the transfer server 830 performs the short message. Verification, and after the verification is passed, the application information is reported to the card issuance server 850, that is, S1030 is executed.
  • the card issuing server 850 checks this to complete the corresponding card opening process, and obtains virtual user card information.
  • the identification process of the user card identifier is planned to facilitate the asynchronous binding process between the virtual user card and the user identifier in the forwarding server 830, and the virtual user card can perform quick payment accordingly.
  • the payment token obtained by the payment identification process in the virtual user card information will be written into the mobile payment terminal 810 to implement its corresponding offline payment.
  • the video signing party needs to complete the application of the virtual user card in the mobile payment terminal to obtain the corresponding virtual user card information.
  • the mobile payment terminal 810 executes S2000 to perform uploading of the identity identification image, that is, the front and back photos of the identity identification card.
  • the transfer server 830 encrypts and stores the image.
  • the mobile payment terminal 810 that completes the identity identification image uploading will receive the startup video recording instruction, the face-to-face action indication policy, the label and the authorization text, and the face-to-face guidance information delivered by the transfer server 830, respectively, and respond to the video sign.
  • the media data required by the process, that is, the execution process between S2020 and S2110 is performed.
  • the media data is uploaded to the forwarding server 830, and the forwarding server 830 asynchronously uploads the media data and the identity identification image by docking with the national security department to obtain the returned query identifier.
  • the forwarding server 830 reports the query identifier and the application information to the card issuing server 850, so that the card issuing server 850 performs card opening processing.
  • the virtual user card application is implemented to obtain the corresponding virtual user card information, and the quick payment setting and the payment token are written in the mobile payment terminal, the user can use the virtual user card to perform online payment. And offline payment.
  • the online fast payment realized by the virtual user card is as shown in FIG. 12 .
  • the merchant will input the amount to be paid on the POS machine, and initiate the card preparation, waiting for the user to operate.
  • the user will move the mobile payment terminal 810 close to the POS machine, interact with the APDU command to read the payment token, and send it to the card issuing server 850 through the card organization network.
  • the card issuance server 850 will identify the payment token to process this, implement the debit, and return the debit result to the POS.
  • the POS that receives the debit result will complete the payment.
  • an information processing system for implementing a virtual user card is also provided, as shown in FIG. 14, including a mobile payment terminal 20, which may correspond to the structure shown in FIG.
  • Each module may be implemented in whole or in part by software, hardware or a combination thereof.
  • the mobile payment terminal 20 may include an application initiation module 210, an authentication identification receiving module 230, an authentication jump module 250, and a card information receiving module 270, wherein :
  • the application initiating module 210 is configured to obtain the application information through the online application page of the virtual user card, and initiate a virtual user card application request according to the application information to the transfer service device.
  • the authentication identifier receiving module 230 is configured to receive an authentication page identifier returned by the transit service device, where the authentication page identifier is returned by the conversion service device according to whether the current application is a re-application of the user card.
  • the authentication jump module 250 is configured to jump to the authentication of the virtual user card according to the authentication page identifier, and the authentication claimed by the virtual user card includes the two-card user authentication and the video face-to-face.
  • the card information receiving module 270 is configured to receive virtual user card information that is issued according to the authentication pass result.
  • the system as described above further includes a transit service device 50, which includes an application information extraction module 510, a card inquiry initiating module 530, and a result value receiving module 550. ,among them:
  • the application information extraction module 510 is configured to request, by the virtual user card application, the application information corresponding to the virtual user card application.
  • the card inquiry initiating module 530 is configured to forward, to the card issuing server, the application information corresponding to the virtual user card application, to initiate whether the virtual user card application is an inquiry for re-applying the user card.
  • the result value receiving module 550 is configured to receive a result value returned by the card issuing server, and perform an update of the authentication page identifier according to the result value.
  • the system as described above further includes a card issuing server 80, which includes a card holding query module 810 and a result value issuing module 830, wherein:
  • the card inquiry module 810 is configured to determine, according to the received application information, whether the virtual application card application is a re-application of the user card, and if yes, the notification result value delivery module 830 returns the second card user to the transfer service device 50. If the result value corresponding to the authentication is negative, the notification result value issuing module 830 returns the result value corresponding to the video face sign to the transfer service device 50.
  • the authentication jump module 250 includes a body.
  • the identity identification card uploading unit 251 is configured to trigger the authentication of the virtual user card claim according to the authentication page identifier, and acquire and upload the identity identification card image;
  • the guidance receiving unit 253 is configured to receive the face-to-face guidance information sent by the transfer service device 50, and display the information on the authentication page;
  • the collecting unit 255 is configured to collect media data of the face-to-face behavior performed by the user by using the guidance of the face-to-face guidance information in the authentication page;
  • the media data reporting unit 257 is configured to report the media data to the transfer service device 50 to initiate authentication of the virtual user card claim to the transfer service device.
  • the transit service device 50 includes a query matching initiation module 610 and a query reporting module 630, where:
  • the query matching initiation module 610 is configured to initiate identity information query matching by using the identity identification image and the media data to obtain the returned query identifier.
  • the query reporting module 630 is configured to report the query identifier and the application information to the card issuance server 80.
  • the card issuance server 80 further includes a score query module 910, a card opening processing module 930, and a card information sending module 950, where:
  • the score query module 910 is configured to obtain a face-to-face score corresponding to the query identifier.
  • the card opening processing module 930 is configured to obtain virtual user card information by performing card opening processing of the virtual user card according to the face sign score and the application information.
  • the card information sending module 950 is configured to send virtual user card information.
  • the transit service device 50 further includes a mapping module.
  • the mapping module is configured to map the virtual user card identifier in the virtual user card information to the corresponding user identifier to obtain a mapping relationship between the virtual user card identifier and the user identifier, and store the mapping.
  • the transfer service device 50 as described above further includes a payment request processing module 710, an identifier obtaining module 730, and a payment initiating module 750, wherein:
  • the payment request processing module 710 is configured to receive a payment request initiated via an online payment page, and obtain a payment specifying parameter and a user identifier according to the payment request.
  • the identifier obtaining module 730 is configured to obtain a virtual corresponding to the user identifier according to the stored mapping relationship. User card ID.
  • the payment initiation module 750 is configured to initiate payment according to the virtual user card identifier and the payment specified parameter.
  • the card issuance server 80 further includes an identification processing module, configured to perform payment identification processing on the virtual user card identifier in the virtual user card information to obtain a payment token, and add To virtual user card information.
  • the mobile payment terminal 20 as described above further includes a writing module for writing the payment token in the virtual user card information to the SE security chip.
  • a person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium.
  • the storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.

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Abstract

一种实现虚拟用户卡的信息处理方法，所述方法包括：通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；接收根据鉴权通过结果发放的虚拟用户卡信息。

Description

实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质
本申请要求于2015年9月30日提交中国专利局、申请号为2015106411346、发明名称为“实现虚拟用户卡的信息处理方法和系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及互联网应用技术领域，特别涉及一种实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质。
背景技术
在日常生活和工作中，用户大都通过信用卡、借记卡等用户卡实现其线上和线下支付，而在通常情况下用户卡是用户自行到任一银行网点申请得到的。
具体的，用户卡的获得将是用户通过银行网点的柜台递交申请资料和身份证件，并当面进行签字、验证身份证件等过程。完成这一过程并核对之后制作实体的用户卡并邮寄，对于用户而言等待时间较长。
随着互联网的发展，用户卡也可通过发卡银行所提供的线上申请服务获取得到。但是，对于必须通过身份核对的用户卡发放而言，线上申请无法实现此过程。对此所提供的解决方案是将已有的用户卡与申请的用户卡关联，进而已有的用户卡所进行的身份核对即可用于辅助所进行的用户卡线上申请，在满足安全性的同时节省了所需要耗费的成本。
然而，对于未持有用户卡的用户而言，则无法实现其用户卡的线上申请，因此，现有的用户卡的实现而言，其无法适用于用户的所有持卡情况来保证卡片发放的安全性和时间成本的降低。
发明内容
本申请公开的一种实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质，解决了背景技术中所涉及的一个或多个问题。
一种实现虚拟用户卡的信息处理方法，包括：
通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；
接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；
按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；及
接收根据鉴权通过结果发放的虚拟用户卡信息。
一种实现虚拟用户卡的信息处理系统，包括：
移动支付终端，用于通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务装置发起虚拟用户卡申请请求；接收所述转接服务装置返回的鉴权页面标识，所述鉴权页面标识是所述转接服务装置根据当前进行的申请是否为用户卡的再次申请返回的；按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；接收根据鉴权通过结果发放的虚拟用户卡信息；
转接服务装置，用于接收所述移动支付终端发起的虚拟用户卡申请请求，根据所述虚拟用户卡申请请求向发卡服务器申请发卡；及
发卡服务器，用于接收所述转接服务装置发送的申请信息，根据所述申请信息进行发卡。
一种移动支付终端，包括存储器和处理器，所述存储器中存储有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转 接服务发起虚拟用户卡申请请求；
接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；及
按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；
接收根据鉴权通过结果发放的虚拟用户卡信息。
一个或多个存储有计算机可读指令的计算机非易失性存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；
接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；
按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；及
接收根据鉴权通过结果发放的虚拟用户卡信息。
本发明的一个或多个实施例的细节在下面的附图和描述中提出。本发明的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是一个实施例提出的一种移动支付终端的结构示意图；
图2是一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图3是另一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图4是另一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图5是图1中按照鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权的方法流程图；
图6是另一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图7是另一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图8是另一个实施例中实现虚拟用户卡的信息处理方法的流程图；
图9是一个实施例中实现虚拟用户卡的系统架构拓扑图；
图10是图9中用户进行虚拟用户卡申请的时序图；
图11是图10中未持有用户卡的用户进行虚拟用户卡申请的时序图；
图12是一个实施例中虚拟用户卡的线上快捷支付的时序图；
图13是一个实施例中虚拟用户卡的线下支付的时序图；
图14是一个实施例中实现虚拟用户卡的信息处理系统中移动支付终端的结构示意框图；
图15是另一个实施例中实现虚拟用户卡的信息处理系统中转换服务装置的结构示意框图；
图16是另一个实施例中实现虚拟用户卡的信息处理系统中发卡服务器的结构示意框图；
图17是图14中鉴权跳转模块的结构示意框图；
图18是另一个实施例中转发服务装置的结构示意框图；
图19是另一个实施例中发卡服务器的结构示意框图；
图20是另一个实施例中转接服务装置的结构示意框图。
具体实施方式
体现本发明特征与优点的典型实施方式将在以下的说明中详细叙述。应理解的是本发明能够在不同的实施方式上具有各种的变化，其皆不脱离本发明的范围，且其中的说明及图示在本质上是当作说明之用，而非用以限制本发明。
如前所述的，为确保所有持卡情况下均可实现用户卡发放的安全性和较低的时间成本，特提出了一种实现虚拟用户卡的信息处理方法。该实现虚拟 用户卡的信息处理方法由计算机程序实现，与之相对应的，所构建的实现虚拟用户卡的信息处理系统则被存储于移动支付终端中，以在该移动支付终端运行，进而实现虚拟用户卡的发放以及应用该虚拟用户卡所进行的线上和线下支付。
图1示出了本发明实施例提出的一种移动支付终端的结构。该移动支付终端100只是一个适用本发明的示例，不能认为是提供了对本发明的使用范围的任何限制。该移动支付终端100也不能解释为需要依赖于或具有图示的示例性的移动支付终端100中的一个或者多个部件的组合。
如图1所示，移动支付终端100包括处理器110、存储器120和系统总线130。包括存储器120和处理器110在内的各种组将连接到系统总线130上。处理器110是一个用于通过计算机系统中基本的算术和逻辑运算来执行计算机程序指令的硬件。存储器120是一个用于临时或永久性存储计算机程序或数据的物理设备。
其中，存储器120中存储了程序指令；处理器110将执行存储器120中的程序指令，并对侦听得到的各种操作进行响应。
移动支付终端100还包括各种输入接口170、输入装置140，以实现各种操作的输入。其中，该输入装置140可以是触摸屏幕、按键、键盘和鼠标等至少一种。
移动支付终端100还包括存储设备180，存储设备180可以从多种计算机可读存储介质中选择，计算机可读存储介质是指可以进行访问的任何可利用的介质，包括移动的和固定的两种介质。例如，计算机可读介质和但不限于闪速存储器(微型SD卡)、CD-ROM、数字通用光盘(DVD)或其它光盘、磁带盒、磁带存储或其它存储设备、或者可用于存储所需信息并可访问的任何其它介质。
如上面所详细描述的，适用本发明的移动支付终端100将执行实现虚拟用户卡的指定操作，即通过处理器110运行存储器120中的程序指令执行该指定操作。
此外，通过硬件电路或者硬件电路结合软件指令也能同样实现本发明，因此，实现本发明并不限于任何特定硬件电路、软件以及两者的组合。
在一个实施例中，具体的，该实现虚拟用户卡的信息处理方法如图2所 示，包括：
步骤S210，通过虚拟用户卡的在线申请页面获取申请信息，根据申请信息向转接服务发起虚拟用户卡申请请求。
用户卡包括实体用户卡和虚拟用户卡，该实体用户卡即为如前所述的用户卡，即通过线下网点申请且制作的借记卡、信用卡等；而虚拟用户卡则是通过线上申请所得到的，并不需要附加在实体卡片上，只需得到相关的虚拟用户卡信息即可实现其支付功能。在一个具体应用场景中，虚拟用户卡可以是通过线上申请的由银行或者其他金融机构发行的具有消费支付、信用贷款、转账结算、存取现金等全部功能或者部分功能的电子支付卡。
虚拟用户卡的在线申请页面将是通过移动支付终端实现的，其可为移动支付终端中浏览器所加载的页面，也可以是移动支付终端中通过在应用中触发虚拟用户卡的在线申请而加载的页面。
虚拟用户卡的在线申请页面包含可供用户进行申请信息输入的表单，通过该表单即可获取得到输入的申请信息，该申请信息即为进行虚拟用户卡申请所需要递交的相关信息，例如，姓名、身份识别号码等，其中身份识别号码可以是各种用户的身份识别证中用于唯一标识一个用户的号码，身份识别证包括但不限于身份证、驾照、护照卡、居民卡等可以用来标识用户身份的证件。
由虚拟用户卡的在线申请页面获取得到申请信息之后，将根据申请请求向转接服务发起虚拟用户卡申请请求，以通过虚拟用户卡的在线申请页面实现用户进行虚拟用户卡申请的入口。
转接服务作为用户通过移动支付终端进行虚拟用户卡申请的接入层，将接收到移动支付终端发起的虚拟用户卡申请请求，并对此进行响应。
该转接服务可以是服务器中的服务器程序，以为移动支付终端中虚拟用户卡的实现提供接入和各种服务。
在一个实施例中，虚拟用户卡的在线申请页面获取申请信息的步骤之前，还将进行用户身份的验证，以判断其是否具备进行虚拟用户卡在线申请的权限，进而在完成其所对应用户标识的密码验证之后方可跳转进入虚拟用户卡的在线申请页面，进而保证用户的身份安全。其中，该密码验证可以是用户进行在线支付所对应的支付密码，进而有利于实现虚拟用户卡的发放和后续 的在线支付等，进而使得其融合在一个账号体系，提高安全性和便利性。
步骤S230，接收转接服务返回的鉴权页面标识，该鉴权页面标识是转接服务根据当前进行的申请是否为用户卡的再次申请返回的。
接收到虚拟用户卡申请请求的转接服务进行前置条件的验证，其中，该前置条件将包括了虚拟用户卡请求中申请信息的正确性、进行虚拟用户卡申请的用户所对应的持卡情况等，对此进行验证之后将根据验证结果进行相应鉴权页面标识的返回。
该鉴权页面标识用于指示移动支付终端后续所进行的鉴权，因此，该鉴权页面标识的不同也将对应了不同的移动支付终端中进行虚拟用户卡申领的鉴权。
具体的，该鉴权页面标识与当前进行虚拟用户卡申请的用户所对应的持卡情况相对应，其中，该持卡情况包括未持有用户卡和已持有用户卡，因此，未持有用户卡的持卡情况对应了进行视频面签的鉴权页面标识，已持有用户卡的持卡情况对应了二卡用户鉴权页面标识。
需要说明的是，上述所说的用户卡可为实体用户卡和/或虚拟用户卡，其只需根据申请信息进行该用户当前是否持有用户卡进行查询即可得到所对应的鉴权页面标识。
进一步的，根据申请信息查询该用户是否持有任一虚拟用户卡和/或实体用户卡，进而根据查询结果进行鉴权页面标识的更新，从而将鉴权页面标识由转接服务下发至移动支付终端。
步骤S250，按照鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，该虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签。
移动支付终端中，在接收到转接服务返回的鉴权页面标识之后，将跳转进入相应的鉴权，进而执行进行用户卡申请所必须的身份核对和验证。
根据鉴权页面标识所进行的虚拟用户卡申领的鉴权包括了二卡用户鉴权和视频面签，其兼顾了再次申请用户卡的用户所进行的鉴权过程和首次申请用户卡的用户所进行的鉴权过程，从而可在各种用户持卡情况下完成用户申请的安全性需求，并且可适应所有需要进行虚拟用户卡申请的用户。
步骤S270，接收根据鉴权通过结果发放的虚拟用户卡信息。
虚拟用户卡申领的鉴权结束将返回相应的鉴权结果，并且该鉴权结果仅 为鉴权通过结果和鉴权未通过结果。
对于虚拟用户卡的发卡方，如若获取得到鉴权通过结果，则说明当前进行虚拟用户卡申请的用户具备持有虚拟用户卡的相关条件，进而可对其发放申请的虚拟用户卡。
与实体用户卡所不同的，虚拟用户卡并未以实体卡片作为载体，因此，其可大大节省制作所需耗费的成本。虚拟用户卡的发放是通过发卡方发放相应的虚拟用户卡信息实现的，该虚拟用户卡信息包括虚拟用户卡代号、账号(PAN)、额度等。
通过如上所述的虚拟用户卡实现过程，满足了与实体用户卡相一致的安全性需求，并且使得用户卡的获得具备了实时性，极大地缩短了用户的等待时间，实现了虚拟用户卡的即时申请和实时获得，进而做到了用户卡的随时申请、随时发放和随时使用。
在一个实施例中，如图3所示，该步骤S230之前，如上所述的方法还包括：
步骤S310，转接服务中由虚拟用户卡申请请求提取进行虚拟用户卡申请对应的申请信息。
转接服务所在的一侧，在接收到任一移动支付终端所发起的虚拟用户卡申请请求之后，将由虚拟用户卡申请请求提取得到对应的申请信息。
步骤S330，向发卡服务器转发进行虚拟用户卡申请对应的申请信息，以发起虚拟用户卡申请是否为再次申请用户卡的查询。
发卡服务器作为发卡方进行信息处理和交互的载体，其存储了所有用户的持卡信息，对于已持有用户卡的用户而言，都将在发卡服务器中存储了其身份识别号码和持卡信息的映射，因此，可根据申请信息向发卡服务器查询当前进行虚拟用户卡申请的用户是否为再次申请用户卡的用户，从而根据查询结果采取相应的鉴权方式。
步骤S350，接收发卡服务器返回的结果值，并根据结果值进行鉴权页面标识的更新。
发卡服务器在根据申请信息进行持卡信息查询的情况下，如若查询得到相应的持卡信息则从该持卡信息中提取联系方式，并向转接服务返回该联系方式所形成的结果值；如若未查询得到相应的持卡信息，则也将向转接服务 反馈用以标识当前查询结果的结果值。
转接服务在接收得到发卡服务器所返回的结果值之后，将进行鉴权页面标识的更新，以便将更新的鉴权页面标识下发给移动支付终端。
进一步的，在本实施例中，在步骤S330之前，还可进行申请信息的准确性验证，例如检查姓名、身份识别号码等，以最大程度地保证信息的准确性和虚拟用户卡实现的顺畅性。
在一个实施例中，如图4所示，该步骤S350之前，如上所述的方法还包括：
步骤S410，发卡服务器中，根据接收的申请信息判断进行的虚拟用户卡申请是否为用户卡的再次申请，若为是，则进入步骤S430，若为否，则进入步骤S450。
步骤S430，向转接服务返回二卡用户鉴权所对应的结果值。
步骤S450，向转接服务返回进行视频面签所对应的结果值。
也就是说，如前所述的，可通过发卡服务器中存储的身份标识号码和持卡信息之间的映射关系查询当前进行的虚拟用户卡申请是否为用户卡的再次申请。
无论用户的持卡信息中记录的用户持有的信息卡数量，而对于虚拟用户卡申请中的鉴权过程而言，无论该用户已经持有一用户卡还是多个用户卡，其所涉及的鉴权过程均无差别，因此，只需要查询当前所进行的虚拟用户卡申请是否为用户卡的再次申请即可，而无需要关注其是用户卡的第二次申请，还是第三次申请等待。
进一步的，在一个实施例中，如图5所示，该步骤S250包括：
步骤S251，按照鉴权页面标识触发进入虚拟用户卡申领的鉴权，获取并上传身份标识证图像。
该鉴权页面标识是转接服务根据当前进行的申请是用户卡的再次申请所返回的，与之相对应的，虚拟用户卡申领的鉴权即为视频面签。
在视频面签的过程中，将首先进行身份识别证图像的上传，该身份识别证图像包括了身份识别证正面图像和身份识别证反面图像，其将在移动支付终端中导入并上传至转接服务中。
转接服务将对接收收到的身份识别证图像进行加密存储。
步骤S253，接收得到转接服务发送的面签指引信息，并显示于鉴权页面。
当前进行面签的移动支付终端将接收面签指引信息，并显示，该面签指引信息用于指引用户当前所进行的面签。
具体的，面签指引信息包括多种内容，其可由转接服务根据移动支付终端进行面签所对应的执行阶段分别下发；也可由转接服务一次下发，而移动支付终端对其进行分别显示，进而为用户实现面签过程的逐步指引。
其中，面签指引信息包括启动视频录制指令、面签动作指示策略和标签、授权文字等内容。
例如，在转接服务分阶段下发面签指引信息时，移动支付终端将首先接收到启动视频录制指令，此是，将按照启动视频录制指令启动视频录制，并通过鉴权页面通知用户进行面签准备。
移动支付终端接收面签动作指示策略和标签，其中，该面签动作指示策略用于引导用户按照指示策略做出一系列的动作，而标签将在得到的媒体数据中进行动作的标记。
具体的，移动支付终端的鉴权页面中进行面签动作的指示策略的显示，以引导用户做出面签所需要的一系列动作，此时启动的视频录制将采集得到相应的媒体数据，并在每一动作所对应的媒体数据中添加相应的标签，进而得到包括了动作片段和标签的媒体数据。
在完成了面签的动作指引之后，转接服务将向移动支付终端将下发授权文字，以指示用户在指定时间朗读该授权文字，启动的视频录制也将对此进行媒体数据的采集。
步骤S255，通过鉴权页面中面签指引信息所进行的指引，对用户所进行的面签行为进行媒体数据的采集。
步骤S257，上报媒体数据至转接服务，以向转接服务发起虚拟用户卡申领的鉴权。
转接服务接收得到移动支付终端所上报的媒体数据并加密存储，以供后续读取。
进一步的，在本实施例中，如图6所示，该步骤S250之后，如前所述的方法还包括：
步骤S510，转接服务中通过身份识别证图像和媒体数据发起身份识别信 息查询匹配，以得到返回的查询标识。
转接服务将对接国家安全部门，例如公安部系统、联邦调查局系统等，向对接的国家安全部门上传身份识别证图像和媒体数据，进而通过国家安全部门进行身份识别信息查询匹配，以得到相应的面签评分和查询标识，并关联存储。
步骤S530，向发卡服务器上报查询标识和申请信息。
转接服务中，在接收到返回的查询标识之后，还将向发卡服务器上报申请信息和查询标识，以使得发卡方得以就此信息进行虚拟用户卡发放的初审。
进一步的，在本实施例中，如图7所示，该步骤S530之后，如上所述的方法还包括：
步骤S610，通过发卡服务器获取查询标识对应的面签评分。
根据查询标识和面签评分之间的对应关系得到移动支付终端所完成的面签对应的面签评分。
步骤S630，根据面签评分和申请信息进行虚拟用户卡的开卡处理得到虚拟用户卡信息。
步骤S650，下发虚拟用户卡信息。
发卡服务器将得到的虚拟用户卡信息下发给移动支付终端，以使得该移动支付终端可通过下发的虚拟用户卡信息完成支付行为。
发卡服务器和移动支付终端之间虚拟用户卡信息的下发通道可由转发服务器实现，也可通过发卡方的其它渠道实现。
在一个实施例中，该步骤S630之后，如上所述的方法还包括：
将虚拟用户卡信息中的虚拟用户卡标识映射到相应的用户标识，以得到虚拟用户卡标识和用户标识之间的映射关系，并存储在转接服务中。
通过虚拟用户卡标识和用户标识之间的映射，实现虚拟用户卡的快捷支付绑定，进而使得后续所进行的支付可通过虚拟用户卡的快捷支付绑定，即虚拟用户卡标识和用户标识之间的映射关系实现，提高了虚拟用户卡使用的便捷性。
进一步的，在另一个实施例中，如图8所示，该步骤S270之后，如上所述的方法还包括：
步骤S710，接收得到经由在线支付页面发起的支付请求，根据支付请求 获取支付指定参数和用户标识。
该用户标识和对应的密码即为用户进行在线支付所对应的支付账号和支付密码。因此，在包含了支付指定参数和用户标识的在线支付页面中，将获取输入的支付密码，以触发支付行为，以向转接服务发起支付请求。
该支付请求将包括了支付密码，以通过支付密码完成支付的鉴权，以在该支付请求的响应完成之后，获取得到支付指定参数和用户标识。
步骤S730，根据转接服务中存储的映射关系得到用户标识对应的虚拟用户卡标识。
如前所述的，转接服务中存储了用户标识和虚拟用户卡标识之间的映射关系，因此，获取得到支付请求中用户标识的转接服务将根据该用户标识查找得到对应的映射关系，进而由此映射关系得到对应的虚拟用户卡标识。
步骤S750，根据虚拟用户卡标识和支付指定参数发起支付。
由于转接服务仅是对虚拟用户卡的申请和在线支付提供虚拟接入和服务，其无法实现任何用户卡功能，这将是由用户卡的发卡方实现的，因此转接服务将向发卡服务器发起支付，以实现相应的扣款等功能。
在另一个实施例中，该步骤S630之后，如上所述的方法还包括：
对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌，并添加至虚拟用户卡信息。
支付令牌是虚拟用户卡标识的替代值，流转在支付的各个环节，以提高各环节数据的简易性。
在另一个实施例中，上述对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌，并添加至虚拟用户卡信息的步骤之后，所述方法还包括：
接收到虚拟用户卡信息的移动支付终端将虚拟用户卡信息中的支付令牌写入SE安全芯片。
为实现移动支付终端通过虚拟用户卡所进行的线下支付，将通过NFC技术写入移动支付终端的SE安全芯片中，以使得该移动支付终端在POS机上进行线下支付。
下面结合一个具体的实施例来详细阐述上述实现虚拟用户卡的信息处理方法。该实施例中，本发明用以实现虚拟用户卡的系统架构可参见图9所示， 即其可通过移动支付终端810、搭载转接服务的转接服务器830和发卡服务器850构成，以通过这三者之间的交互实现虚拟用户卡的发放和线上、线下支付。其中，该移动支付终端810可以是任一具备NFC功能的终端设备。
其中，如图10所示的时序过程，用户可在其所携带的移动支付终端810进行卡片申请，即发起虚拟用户卡的申请。
在此之前，用户将在移动支付终端810进行相关用户标识和支付密码的，以进行用户身份的验证，以使得移动支付终端810当前具备可进行虚拟用户卡在线申请的权限，进而跳转进入虚拟用户卡的在线申请页面。
移动支付终端中，由展示的虚拟用户卡的在线申请页面获取用户输入的姓名、身份标识号码等申请信息，移动支付终端810将据此向转接服务器830发起虚拟用户卡申请请求，即S930至S940。
转接服务器830根据接收的虚拟用户卡申请请求进行申请信息的准确性检查，并向发卡服务器850发起前置验证，即S950和S960。
发卡服务器850将检查当前申请的虚拟用户卡是否作为用户持有用户卡中的第二张卡或者第n张卡，该n为大于2的任意整数，如果是，则执行S980，以进行二卡用户鉴权，如果否，则执行如图11所示的时序过程。
需要说明的是，如上所述的用户持有的用户卡则是指用户持有的有效的卡。
在通过S980得到发卡服务器850返回的结果值，即用户预留在发卡方的手机号码，并相应更新鉴权页面标识，以向移动支付终端810返回该鉴权页面标识，进而跳转进入相应的短信验证页面。
转接服务器830将调用短信验证码服务通过该手机号码对移动支付终端810进行短信验证。
具体的，转接服务器830调用短信验证码服务向移动支付终端810发送短信验证码，对于移动支付终端810而言，其将由短信验证页面上报短信验证码，以使得转接服务器830对此进行短信验证，并在验证通过之后向发卡服务器850上报申请信息，即执行S1030。
发卡服务器850对此进行检查以完成相应的开卡处理，得到虚拟用户卡信息。
此时，可分别执行S1050和S1060进行虚拟用户卡的快捷支付签约和虚 拟用户卡标识的标识化处理，以便于后续在转接服务器830中实现虚拟用户卡与用户标识之间的异步绑定过程，虚拟用户卡可据此进行快捷支付。
而对于虚拟用户卡信息中支付标识化处理得到的支付令牌，将被写入移动支付终端810中，以实现其所对应的线下支付。
如图11所示的，如若用户未持有用户卡，则需要在移动支付终端中完成视频面签方可实现虚拟用户卡的申请，以得到对应的虚拟用户卡信息。
由图10所述的S970的执行，将进入图11所述的时序过程，以启动视频面签。
移动支付终端810中执行S2000，以进行身份标识证图像的上传，即身份标识证的正反面照片，此时，转接服务器830将对此进行加密存储。
完成身份标识证图像上传的移动支付终端810将分别接收转接服务器830下发的启动视频录制指令、面签动作指示策略和标签、授权文字等面签指引信息，并对此进行响应，以得到视频面签过程所需要的媒体数据，即执行S2020至S2110之间的执行过程。
该媒体数据被上传至转接服务器830中，转接服务器830通过与国家安全部门的对接异步上传媒体数据和身份标识证图像以得到其返回的查询标识。
转接服务器830将查询标识和申请信息上报给发卡服务器850，以使得发卡服务器850进行开卡处理。
在实现了虚拟用户卡的申请，以获取得到相应的虚拟用户卡信息，并完成了快捷支付的设置和支付令牌在移动支付终端的写入之后，用户可使用该虚拟用户卡进行线上支付和线下支付。
其中，虚拟用户卡所实现的线上快捷支付如图12所示。
对于虚拟用户卡的线下支付，如图13所示，商户将在POS机上输入所需要支付的金额，并启动刷卡准备，等待用户操作。
而用户将把移动支付终端810靠近POS机，通过APDU指令进行交互，以读取支付令牌，并通过卡组织网络上送至发卡服务器850。
发卡服务器850将识别该支付令牌，以对此进行处理，实现扣款，并向POS机返回扣款结果。接收到扣款结果的POS将完成支付。
在一个实施例中，还相应地提供了一种实现虚拟用户卡的信息处理系统，如图14所示，包括移动支付终端20，该移动支付终端20可对应如图1所示的结构，下面每个模块可全部或部分通过软件、硬件或其组合来实现，该移动支付终端20可包括申请发起模块210、鉴权标识接收模块230、鉴权跳转模块250和卡信息接收模块270，其中：
申请发起模块210，用于通过虚拟用户卡的在线申请页面获取申请信息，根据申请信息向转接服务装置发起虚拟用户卡申请求。
鉴权标识接收模块230，用于接收转接服务装置返回的鉴权页面标识，该鉴权页面标识是转换服务装置根据当前进行的申请是否为用户卡的再次申请返回的。
鉴权跳转模块250，用于按照鉴权页面标识跳转进入虚拟用户卡申领的鉴权，该虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签。
卡信息接收模块270，用于接收根据鉴权通过结果发放的虚拟用户卡信息。
在一个实施例中，如图15所示，如上所述的系统还包括转接服务装置50，该转接服务装置50包括申请信息提取模块510、持卡查询发起模块530和结果值接收模块550，其中：
申请信息提取模块510，用于由虚拟用户卡申请请求提取进行虚拟用户卡申请对应的申请信息。
持卡查询发起模块530，用于向发卡服务器转发进行虚拟用户卡申请对应的申请信息，以发起虚拟用户卡申请是否为再次申请用户卡的查询。
结果值接收模块550，用于接收发卡服务器返回的结果值，并根据结果值进行鉴权页面标识的更新。
如图16所示，在一个实施例中，如上所述的系统还包括发卡服务器80，该发卡服务器80包括持卡查询模块810和结果值下发模块830，其中：
持卡查询模块810，用于根据接收的申请信息判断进行的虚拟用户卡申请是否为用户卡的再次申请，若为是，则通知结果值下发模块830向转接服务装置50返回二卡用户鉴权所对应的结果值，若为否，则通知结果值下发模块830向转接服务装置50返回进行视频面签对应的结果值。
进一步的，如图17所示，在一个实施例中，该鉴权跳转模块250包括身 份标识证上传单元251、指引接收单元253、采集单元255和媒体数据上报单元257，其中：
身份标识证上传单元251，用于按照鉴权页面标识触发进入虚拟用户卡申领的鉴权，获取并上传身份标识证图像；
指引接收单元253，用于接收得到转接服务装置50发送的面签指引信息，并显示于所述鉴权页面；
采集单元255，用于通过鉴权页面中面签指引信息所进行的指引，对用户所进行的面签行为进行媒体数据的采集；
媒体数据上报单元257，用于上报媒体数据至转接服务装置50，以向转接服务装置发起虚拟用户卡申领的鉴权。
进一步的，如图18所示，在一个实施例中，该转接服务装置50包括查询匹配发起模块610和查询上报模块630，其中：
查询匹配发起模块610，用于通过身份标识证图像和媒体数据发起身份信息查询匹配，以得到返回的查询标识。
查询上报模块630，用于向发卡服务器80上报查询标识和申请信息。
进一步的，如图19所示，在一个实施例中，发卡服务器80还包括评分查询模块910、开卡处理模块930和卡信息下发模块950，其中：
评分查询模块910，用于获取查询标识对应的面签评分。
开卡处理模块930，用于根据面签评分和申请信息进行虚拟用户卡的开卡处理得到虚拟用户卡信息。
卡信息下发模块950，用于下发虚拟用户卡信息。
在一个实施例中，如图20所示，该转接服务装置50还包括映射模块。映射模块用于将虚拟用户卡信息中的虚拟用户卡标识映射到相应的用户标识，以得到虚拟用户卡标识和用户标识之间的映射关系，并存储。
进一步的，在本实施例中，如上所述的转接服务装置50还包括支付请求处理模块710、标识获取模块730和支付发起模块750，其中：
支付请求处理模块710，用于接收得到经由在线支付页面发起的支付请求，根据支付请求获取支付指定参数和用户标识。
标识获取模块730，用于根据存储的映射关系得到用户标识对应的虚拟 用户卡标识。
支付发起模块750，用于根据虚拟用户卡标识和支付指定参数发起支付。
在一个实施例中，如上所述的发卡服务器80还包括标识化处理模块，该标识化处理模块用于对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌，并添加至虚拟用户卡信息。
进一步的，在本实施例中，如上所述的移动支付终端20还包括写入模块，该写入模块用于将虚拟用户卡信息中的支付令牌写入SE安全芯片。
本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
虽然已参照几个典型实施方式描述了本发明，但应当理解，所用的术语是说明和示例性、而非限制性的术语。由于本发明能够以多种形式具体实施而不脱离发明的精神或实质，所以应当理解，上述实施方式不限于任何前述的细节，而应在随附权利要求所限定的精神和范围内广泛地解释，因此落入权利要求或其等效范围内的全部变化和改型都应为随附权利要求所涵盖。

Claims (24)

  1. 一种实现虚拟用户卡的信息处理方法，其特征在于，包括：
    通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；
    接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；及
    按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；
    接收根据鉴权通过结果发放的虚拟用户卡信息。
  2. 根据权利要求1所述的方法，其特征在于，所述接收所述转接服务返回的鉴权页面标识的步骤之前，所述方法还包括：
    所述转接服务中由所述虚拟用户卡申请请求提取进行虚拟用户卡申请对应的申请信息；
    向发卡服务器转发所述进行虚拟用户卡申请对应的申请信息，以发起所述虚拟用户卡申请是否为再次申请用户卡的查询；
    接收所述发卡服务器返回的结果值，并根据所述结果值进行鉴权页面标识的更新。
  3. 根据权利要求2所述的方法，其特征在于，所述接收所述发卡服务器返回的结果值，并根据所述结果值进行鉴权页面标识的更新的步骤之前，所述方法还包括：
    所述发卡服务器中，根据接收的申请信息判断进行的虚拟用卡申请是否为用户卡的再次申请，若为是，则向所述转接服务返回二卡用户鉴权所对应的结果值，若为否，则
    向所述转接服务返回进行视频面签所对应的结果值。
  4. 根据权利要求1所述的方法，其特征在于，所述按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权的步骤包括：
    按照所述鉴权页面标识触发进入虚拟用户卡申领的鉴权，获取并上传身份标识证图像；
    接收得到所述转接服务发送的面签指引信息，并显示于所述鉴权页面；
    通过所述鉴权页面中面签指引信息所进行的指引，对用户进行的面签行为进行媒体数据的采集；
    上报所述媒体数据至转接服务，以向所述转接服务发起虚拟用户卡申领的鉴权。
  5. 根据权利要求4所述的方法，其特征在于，所述按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权的步骤之后，所述方法还包括：
    所述转接服务中通过所述身份标识证图像和媒体数据发起身份信息查询匹配，以得到返回的查询标识；
    向发卡服务器上报所述查询标识和申请信息。
  6. 根据权利要求5所述的方法，其特征在于，所述向发卡服务器上报所述查询标识和申请信息的步骤之后，所述方法还包括：
    通过所述发卡服务器获取所述查询标识对应的面签评分；
    根据所述面签评分和申请信息进行虚拟用户卡的开卡处理得到所述虚拟用户卡信息；
    下发所述虚拟用户卡信息。
  7. 根据权利要求6所述的方法，其特征在于，所述根据所述面签评分和申请信息进行虚拟用户卡的开卡处理得到所述虚拟用户卡信息的步骤之后，所述方法还包括：
    将所述虚拟用户卡信息中的虚拟用户卡标识映射到相应的用户标识，以得到虚拟用户卡标识和用户标识之间的映射关系，并存储在转接服务中。
  8. 根据权利要求7所述的方法，其特征在于，所述接收根据通过结果发放的虚拟用户卡信息的步骤之后，所述方法还包括：
    接收得到经由在线支付页面发起的支付请求，根据所述支付请求获取支 付指定参数和用户标识；
    根据所述转接服务中存储的映射关系得到所述用户标识对应的虚拟用户卡标识；
    根据所述虚拟用户卡标识和支付指定参数发起支付。
  9. 根据权利要求6所述的方法，其特征在于，所述根据所述面签评分和申请信息进行虚拟用户卡的开卡处理得到所述虚拟用户卡信息的步骤之后，所述方法还包括：
    对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌，并添加至虚拟用户卡信息。
  10. 根据权利要求9所述的方法，其特征在于，所述对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌，并添加至虚拟用户卡信息的步骤之后，所述方法还包括：
    接收到所述虚拟用户卡信息的移动支付终端将所述虚拟用户卡信息中的支付令牌写入SE安全芯片。
  11. 一种实现虚拟用户卡的信息处理系统，包括：
    移动支付终端，用于通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务装置发起虚拟用户卡申请请求；接收所述转接服务装置返回的鉴权页面标识，所述鉴权页面标识是所述转接服务装置根据当前进行的申请是否为用户卡的再次申请返回的；按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；接收根据鉴权通过结果发放的虚拟用户卡信息；
    转接服务装置，用于接收所述移动支付终端发起的虚拟用户卡申请请求，根据所述虚拟用户卡申请请求向发卡服务器申请发卡；及
    发卡服务器，用于接收所述转接服务装置发送的申请信息，根据所述申请信息进行发卡。
  12. 根据权利要求11所述的系统，其特征在于，所述转接服务装置用于由所述虚拟用户卡申请请求提取进行虚拟用户卡申请对应的申请信息；向发 卡服务器转发所述进行虚拟用户卡申请对应的申请信息，以发起所述虚拟用户卡申请是否为再次申请用户卡的查询；接收所述发卡服务器返回的结果值，并根据所述结果值进行鉴权页面标识的更新。
  13. 根据权利要求12所述的系统，其特征在于，所述发卡服务器用于根据接收的申请信息判断进行的虚拟用户卡申请是否为用户卡的再次申请，若为是，则向所述转接服务装置返回二卡用户鉴权所对应的结果值，若为否，则通向所述转接服务装置返回进行视频面签对应的结果值。
  14. 根据权利要求11所述的系统，其特征在于，所述移动支付终端还用于按照所述鉴权页面标识触发进入虚拟用户卡申领的鉴权，获取并上传身份标识证图像；接收得到所述转接服务装置发送的面签指引信息，并显示于所述鉴权页面；通过所述鉴权页面中面签指引信息所进行的指引，对用户所进行的面签行为进行媒体数据的采集；上报所述媒体数据至转接服务装置，以向所述转接服务装置发起虚拟用户卡申领的鉴权。
  15. 根据权利要求14所述的系统，其特征在于，所述转接服务装置还用于通过所述身份标识证图像和媒体数据发起身份信息查询匹配，以得到返回的查询标识；向所述发卡服务器上报所述查询标识和申请信息。
  16. 根据权利要求15所述的系统，其特征在于，所述发卡服务器还用于获取所述查询标识对应的面签评分；根据所述面签评分和申请信息进行虚拟用户卡的开卡处理得到所述虚拟用户卡信息；下发所述虚拟用户卡信息。
  17. 根据权利要求16所述的系统，其特征在于，所述转接服务装置还用于将所述虚拟用户卡信息中的虚拟用户卡标识映射到相应的用户标识，以得到虚拟用户卡标识和用户标识之间的映射关系，并存储。
  18. 根据权利要求17所述的系统，其特征在于，所述转接服务装置还用于接收得到经由在线支付页面发起的支付请求，根据所述支付请求获取支付指定参数和用户标识；根据存储的映射关系得到所述用户标识对应的虚拟用户卡标识；根据虚拟用户卡标识和支付指定参数发起支付。
  19. 根据权利要求16所述的系统，其特征在于，所述发卡服务器还用于对虚拟用户卡信息中的虚拟用户卡标识进行支付标识化处理得到支付令牌， 并添加至虚拟用户卡信息。
  20. 根据权利要求19所述的系统，其特征在于，所述移动支付终端还用于接收到所述虚拟用户卡信息的移动支付终端将所述虚拟用户卡信息中的支付令牌写入SE安全芯片。
  21. 一种移动支付终端，包括存储器和处理器，所述存储器中存储有指令，所述指令被所述处理器执行时，使得所述处理器执行以下步骤：
    通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；
    接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；及
    按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；
    接收根据鉴权通过结果发放的虚拟用户卡信息。
  22. 根据权利要求21所述的移动支付终端，其特征在于，所述处理器执行所述按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权的步骤包括：
    按照所述鉴权页面标识触发进入虚拟用户卡申领的鉴权，获取并上传身份标识证图像；
    接收得到所述转接服务发送的面签指引信息，并显示于所述鉴权页面；
    通过所述鉴权页面中面签指引信息所进行的指引，对用户进行的面签行为进行媒体数据的采集；
    上报所述媒体数据至转接服务，以向所述转接服务发起虚拟用户卡申领的鉴权。
  23. 根据权利要求21所述的移动支付终端，其特征在于，所述处理器还用于执行接收到所述虚拟用户卡信息后将所述虚拟用户卡信息中的支付令牌写入SE安全芯片的步骤。
  24. 一个或多个存储有计算机可读指令的计算机非易失性存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    通过虚拟用户卡的在线申请页面获取申请信息，根据所述申请信息向转接服务发起虚拟用户卡申请请求；
    接收所述转接服务返回的鉴权页面标识，所述鉴权页面标识是所述转接服务根据当前进行的申请是否为用户卡的再次申请返回的；
    按照所述鉴权页面标识跳转进入所述虚拟用户卡申领的鉴权，所述虚拟用户卡申领的鉴权包括二卡用户鉴权和视频面签；及
    接收根据鉴权通过结果发放的虚拟用户卡信息。
PCT/CN2016/100176 2015-09-30 2016-09-26 实现虚拟用户卡的信息处理方法、系统、移动支付终端和存储介质 WO2017054693A1 (zh)

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