WO2017219270A1 - 虚拟卡片显示方法及装置 - Google Patents
虚拟卡片显示方法及装置 Download PDFInfo
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- WO2017219270A1 WO2017219270A1 PCT/CN2016/086691 CN2016086691W WO2017219270A1 WO 2017219270 A1 WO2017219270 A1 WO 2017219270A1 CN 2016086691 W CN2016086691 W CN 2016086691W WO 2017219270 A1 WO2017219270 A1 WO 2017219270A1
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- display data
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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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
- G06F3/04817—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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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
Definitions
- the present invention relates to the field of terminal technologies, and in particular, to a virtual card display method and apparatus.
- mobile payment technology is mainly divided into two categories through the payment service level: one is third-party payment, that is, fast payment, and the fast payment is mainly based on the third-party payment company as the main body of the settlement institution, and the third-party payment company acts as a transaction with the bank.
- the payment method of the medium is NFC (Near Field Communication), which is mainly based on the UnionPay organization as the main body of the settlement institution, and the UnionPay organization acts as the payment medium for the transaction with the bank.
- NFC Near Field Communication
- the UnionPay organization acts as the payment medium for the transaction with the bank.
- the embodiment of the invention provides a virtual card display method and device.
- the technical solution is as follows:
- a virtual card display method including:
- the virtual card is displayed based on the card face display data of the virtual card and the payment function identifier.
- the method of the embodiment of the present disclosure can display the virtual card more intuitively according to the difference of the payment function supported by the virtual card and the opening condition of each payment function, so that the payment mode supported by the virtual card can be displayed at a glance. Help and guide users to pay the corresponding payment It can be opened to ensure the ease of use and consistency of the user experience to increase the number of cards and the number of users.
- the method further includes:
- the first card surface display data is card face display data corresponding to the first card type information.
- the method further includes:
- the card face database updates the second card face display data corresponding to the second card type information, it is determined whether the local existing virtual card includes the second virtual card corresponding to the second card type information;
- the second card surface display data is obtained from the updated card surface database.
- the method further includes:
- updating the third card face display data and the third card face type information of the third virtual card to the card face database includes:
- the method further includes:
- a function interface of the virtual card is displayed when a triggering operation on the virtual card is detected, the function interface including at least one operational function entry of the virtual card.
- the at least one operation function entry of the virtual card includes a payment function opening portal, and the payment function opening portal is used to guide the user to open a payment function that the virtual card is not currently activated.
- At least one operation function entry of the virtual card includes a default The card settings entry is used to guide the user to set a default payment card for the current payment function.
- the at least one operation function entry of the first virtual card includes an account inquiry function entry, a credit card repayment entry, a service network query entry, a custom card face style, a financial institution offer information, or recommendation information. At least one.
- the virtual card portion located below covers the virtual card located above except the payment function identifier. part.
- the acquiring, by the card data database, the first card surface display data according to the first card type information of the first virtual card includes:
- a virtual card display method including:
- the card face database stores the first card face display data, and the card face database stores the card face display data acquired by the opening process of the second payment function, wherein the first card face display data is the same as the first Card surface display data corresponding to a card type information;
- the first card surface display data is stored, the first card surface display data is transmitted to the terminal, and the first virtual card is displayed by the terminal based on the first card surface display data.
- the method further includes:
- a virtual card display device including:
- An obtaining module configured to acquire card surface display data of a virtual card to be displayed when receiving an interface display instruction
- a generating module configured to generate a payment function identifier of the virtual card based on an opening condition of a payment function supported by the virtual card
- a display module configured to display the virtual card based on the card face display data of the virtual card and the payment function identifier.
- the device further includes:
- a receiving module configured to receive a first payment opening request for the first virtual card, where the first virtual card supports at least a first payment function
- the obtaining module is further configured to obtain, according to the first card type information of the first virtual card, the first card surface display data from the card surface database, where the card surface database is stored by the opening process of the second payment function.
- the card face display data is obtained, and the first card face display data is card face display data corresponding to the first card type information.
- the device further includes:
- a judging module configured to determine, when the card face database updates the second card face display data corresponding to the second card type information, whether the local virtual card includes the second virtual card corresponding to the second card type information;
- the obtaining module is further configured to obtain the second card surface display data from the updated card surface database if the local existing virtual card includes the second virtual card corresponding to the second card type information.
- the acquiring module is further configured to acquire third card surface display data and a third card surface of the third virtual card during the opening of the second payment function of the third virtual card.
- Type information
- the apparatus further includes: an update module, configured to update the third card face display data and the third card face type information of the third virtual card to the card face database.
- the update module is configured to send third card face display data and the third card face type information of the third virtual card to a server, so that the server: the third virtual The third card face display data of the card and the third card face type information are correspondingly stored to the card face database.
- the display module is further configured to display a function interface of the virtual card when the triggering operation on the virtual card is detected, where the function interface includes at least one operation of the virtual card Function entry.
- At least one operational function entry of the virtual card includes payment The function opening portal, the payment function opening portal is used to guide the user to open a payment function that the virtual card is not currently open.
- the at least one operational function portal of the virtual card includes a default card setup entry for guiding a user to set a default payment card for the current payment function.
- the at least one operation function entry of the first virtual card includes an account inquiry function entry, a credit card repayment entry, a service network query entry, a custom card face style, a financial institution offer information, or recommendation information. At least one.
- the virtual card portion located below covers the virtual card located above except the payment function identifier. part.
- the acquiring module is configured to send first card type information of the first virtual card to a server, where the server queries the first card surface display data from the card surface database. And returning; receiving the first card surface display data.
- a virtual card display device including:
- a receiving module configured to receive first card type information of the first virtual card sent by the terminal, where the first virtual card supports at least a first payment function
- the query module is configured to query whether the card face database stores the first card face display data, and the card face database stores the card face display data acquired by the opening process of the second payment function, and the first card face display data Displaying data for the card face corresponding to the first card type information;
- a sending module configured to send the first card surface display data to the terminal if the first card surface display data is stored, and display, by the terminal, the first page based on the first card surface display data Virtual card.
- the receiving module is further configured to receive third card surface display data and the third card surface type information of the third virtual card that are sent by the terminal;
- the device further includes: a storage module, configured to store the third card surface display data of the third virtual card and the third card surface type information correspondingly to the card surface database.
- a virtual card display device including:
- a memory for storing processor executable instructions
- processor is configured to:
- the card surface database stores card face display data acquired by the opening process of the second payment function, the first card face display data is card face display data corresponding to the first card type information; a card face display data; displaying the first virtual card based on the first card face display data.
- a virtual card display device including:
- a memory for storing processor executable instructions
- processor is configured to:
- the card face database stores the first card face display data, and the card face database stores the card face display data acquired by the opening process of the second payment function, wherein the first card face display data is the same as the first Card surface display data corresponding to a card type information;
- the first card surface display data is stored, the first card surface display data is transmitted to the terminal, and the first virtual card is displayed by the terminal based on the first card surface display data.
- FIG. 1 is a flowchart of a virtual card display method according to an exemplary embodiment
- FIG. 2 is a flowchart of a virtual card display method according to an exemplary embodiment
- FIG. 3 is a virtual card display interface according to an exemplary embodiment
- FIG. 4 is a virtual card display interface according to an exemplary embodiment
- FIG. 5 is a virtual card display interface according to an exemplary embodiment
- FIG. 6 is a schematic structural diagram of a virtual card display device according to an exemplary embodiment
- FIG. 7 is a block diagram of a virtual card display apparatus 700, according to an exemplary embodiment
- FIG. 8 is a schematic structural diagram of a virtual card display device according to an exemplary embodiment.
- FIG. 9 is a block diagram of a virtual card display device 900, according to an exemplary embodiment.
- the payment function described in the embodiment of the present disclosure includes a first payment function and a second payment function, wherein the first payment function may be a third party payment function, the second payment function may be an NFC flash payment, and the payment function is all provided by the payment application. provide. Below, we introduce two different payment functions:
- Third-party payment function refers to the payment account provided by a third-party payment institution with a payment license.
- the user can bind the bank card in the payment account or recharge the payment account to make the payment in the payment process.
- the terminal and the payment terminal can exchange payment accounts and/or payment accounts in the form of two-dimensional code scanning, thereby realizing payment operations from the payment account to the payment account.
- the NFC flash payment method refers to the interaction between the NFC module on the payment terminal and the NFC module of the payment terminal, and the payment information is exchanged between the terminals, so that the payment terminal can be provided with the background of providing the payment terminal.
- a UnionPay server or a bank server performs data interaction to implement payment operations of the payment terminal to the payment terminal.
- FIG. 1 is a flowchart of a virtual card display method according to an exemplary embodiment. As shown in FIG. 1, the method includes the following steps:
- step 101 when the interface display instruction is received, the card face display data of the virtual card to be displayed is acquired.
- a payment function identifier of the virtual card is generated based on a provisioning function of the payment function supported by the virtual card.
- step 103 the virtual card is displayed based on the card face display data of the virtual card and the payment function identifier.
- the method of the embodiment of the present disclosure can display the virtual card more intuitively according to the difference of the payment function supported by the virtual card and the opening condition of each payment function, so that the payment mode supported by the virtual card can be displayed at a glance. Help and guide users to pay the corresponding payment It can be opened to ensure the ease of use and consistency of the user experience to increase the number of cards and the number of users.
- FIG. 2 is a flowchart of a virtual card display method according to an exemplary embodiment. As shown in FIG. 2, the method includes the following steps:
- step 201 a first payment provisioning request for the first virtual card is received.
- the first virtual card may refer to the virtual card to be bound currently.
- the process of step 201 refers to triggering the first payment activation request in the payment application when the user desires to open a third-party payment function for a virtual card.
- the card number information of the virtual card may be input by the user before the first payment opening request is triggered, so that the terminal can extract the card number information as a necessary information for opening the first payment function.
- the first card surface display data is acquired from the card surface database according to the first card type information of the first virtual card, and the card surface database is stored by the opening process of the second payment function.
- the card face display data, the first card face display data being card face display data corresponding to the first card type information.
- the card type database and the corresponding card surface display data may be stored in the card surface database.
- the first card type information of the first virtual card includes a pre-preset bit of the card number of the first virtual card. For example, the first 4 digits of the card number, or the first 6 digits of the card number, or the first 8 digits of the card number.
- the pre-preset digit of the bank card number represents the issuer identification code, also called the BIN number, and different BIN numbers represent different bank card organization and card levels, so the pre-set position of the card number can be obtained.
- the card issuing bank of the virtual card such as ICBC, China Merchants Bank, etc.
- card level gold, silver or platinum card, etc.
- bank card organization UnionPay, VISA, MasterCard Master
- the face design is usually related to the information such as the issuing bank, the card level, and the bank card organization. Therefore, the card type information can be used as the information for displaying the data on the index card surface.
- the card surface database stores card surface display data acquired through the opening process of the second payment function.
- the card surface design provided by the bank or the bank card organization can be obtained through the payment function opening process, that is, the card surface display data, therefore, the display is performed. It can provide a real and intuitive card surface display effect, and can be displayed by sharing these existing card surface designs to a virtual card supporting the first payment function, thereby achieving a uniform display effect.
- the card surface database described above may be a database maintained by the server. Therefore, the process of acquiring data on the card surface may be implemented by interaction with the server.
- the terminal will The first card type information is sent to the server.
- the server receives the first card type information, it queries whether the card surface database stores the first card surface display data. If the first card surface display data is stored, the first card is acquired. The card surface displays data, and the first card surface display data is sent to the terminal for display.
- the card face database may also be a database downloaded by the terminal from the server, so that the number of interactions with the server can be reduced, and the card face design can be obtained locally.
- the above steps 201 and 202 are processes for obtaining card face display data during the payment function opening process.
- the process is described by taking the first virtual card that newly opens the first payment function as an example, and in another embodiment, it may also be performed on a virtual card existing on the terminal.
- the update of the card surface design That is, when the card face database updates the second card face display data corresponding to the second card type information, it is determined whether the local existing virtual card includes the second virtual card corresponding to the second card type information; The local existing virtual card includes a second virtual card corresponding to the second card type information, and the second card surface display data is obtained from the updated card surface database.
- the virtual card only supports some kind of payment function, then it is possible that the bank can open the other payment functions and notify the server, so that the server can update the card surface database in time, thereby the card surface database.
- the update triggers the card face update of the existing virtual card on the terminal.
- the process may also be for a virtual card.
- the server may notify the terminal to update when the server detects that the card surface design has been uploaded by other terminals.
- the second card surface display data can be shared by other virtual cards having the same card type as the second virtual card.
- the above steps may be a step of updating the card face database, and the execution timing thereof is not limited.
- the card surface display data of the virtual card may be stored in a specified storage area of the terminal, and the designated storage area may be a storage area with a high security such as a trusted storage area. limited.
- step 203 when the interface display instruction is received, the card face display data of the virtual card to be displayed is acquired.
- the interface display instruction is used to display a virtual card list interface, and the virtual card list interface may include at least one virtual card that has been added to the terminal.
- the obtaining process may include: obtaining, according to the card surface type information of the virtual card to be displayed, the specified storage area of the terminal.
- the card surface display data corresponding to the card surface type information.
- the terminal assigns a card identifier (for example, a card ID or a card number) to each virtual card, the terminal can place the card.
- the acquiring process may be performed by storing the card surface display data, and the obtaining process may include: acquiring, according to the card identifier of the virtual card to be displayed, the card surface display data corresponding to the card identifier from the designated storage area of the terminal.
- the first card surface display data of the first virtual card has been acquired to the terminal. Therefore, when step 203 is performed, the display of the first virtual card may be implemented, and the first virtual card is displayed. At the same time, other virtual cards that have been added to the terminal can be displayed. For each virtual card, the specific display manner is the same. The embodiment of the present disclosure only describes the specific display manner of a certain virtual card.
- a payment function identifier of the virtual card is generated based on a provisioning function of the payment function supported by the virtual card.
- Each virtual card can generate different payment function identifiers according to different payment functions supported by the payment function and the opening of the supported payment functions. For example, the following is as follows:
- the virtual card supports the first payment function and the second payment function, and the first payment function and the second payment function are both in the open state, and the generated payment function identifier includes: the first payment function has been activated and the second The payment function has been activated. As shown in Figure 3, the card face of the bank card E is displayed.
- the virtual card supports the first payment function and the second payment function, and the first payment function is in the open state, and the second payment function is in the unopened state, the generated payment function identifier includes: the first payment function has been opened And the second payment function has not been opened. As shown in Figure 3, the card face of bank card C is displayed.
- the virtual card supports the first payment function and the second payment function, and the first payment function is in the unopened state, and the second payment function is in the activated state, the generated payment function identifier includes: the first payment function is not activated. The identification and the second payment function have been activated. As shown in Figure 3, the card face of bank card B is displayed.
- the virtual card supports the first payment function, and the first payment function is in the opened state, and the generated payment function identifier includes: the first payment function has been opened. As shown in Figure 3, the card face of the bank card D is displayed.
- the virtual card supports the second payment function, and the second payment function is in the opened state, and the generated payment function identifier includes: the second payment function has been opened.
- the card face of the bank card A in Fig. 3 is displayed.
- step 205 the virtual card is displayed based on the card face display data of the virtual card and the payment function identifier.
- Displaying the payment function identifier on the virtual card can intuitively reflect the opening of the payment function of the virtual card, and can intuitively remind the user to perform the function application according to the opening situation.
- the display may be performed based on the payment function identifier generated in the above step 205.
- the specific display manner refer to each bank in FIG. It should be noted that FIG. 3 is only an example of the embodiment of the present disclosure, and the content of the specific payment function identifier, the display form, and the location on the card surface do not limit the specific implementation of the present disclosure.
- part of the information of the card type information of the virtual card may also be displayed on the virtual card to provide more intuitive card information. For example, display the last four digits of the bank card, and so on.
- the plurality of virtual cards are displayed in a list, and for two adjacent virtual cards in the plurality of virtual cards, the virtual card portion located below covers the virtual card located above The part other than the function identification, this display mode can greatly save the display space.
- the bank card A and the bank card B, the bank card B located below covers the lower half of the bank card A located above, so that the bank card A can display the payment function identifier "flash payment" and the tail number 1910.
- step 206 when a triggering operation on the virtual card is detected, a function interface of the virtual card is displayed, the function interface including at least one operational function entry of the virtual card.
- the at least one operation function entry of the first virtual card includes at least one of an account inquiry function entry, a credit card repayment entry, a service network query entry, a custom card face style, financial institution preferential information, or recommendation information.
- At least one operation function entry of the virtual card includes a payment function opening portal, and the payment function opening portal is used to guide the user to open a payment function that the virtual card is not currently activated, thereby achieving the purpose of shortening the operation path, and Targeted for some operational features. For example, after the first payment function has been activated, the second payment function is not activated, and an operation function entry for opening the second payment function may be displayed.
- At least one operational function entry of the virtual card includes a default card setup entry for directing a user to set a default payment card for the current payment function. For example, if the second payment function has been activated, an operation function entry for setting a default card can be displayed.
- the method of the embodiment of the present disclosure can display the virtual card more intuitively according to the difference of the payment function supported by the virtual card and the opening condition of each payment function, so that the payment mode supported by the virtual card can be displayed at a glance. Helping and guiding users to enable the corresponding payment function to ensure the ease of use and consistency of the user experience to increase the number of cards and the number of users.
- the method of the embodiment of the present disclosure greatly increases the intuitiveness of the virtual card display by sharing the card face design obtained by one payment function to other payment functions of the same type of card across different payment functions. Authenticity. Because the card surface design of the NFC flash payment is supported by the third party fast payment, the displayed card surface is a real card surface design, which greatly improves the recognition; of course, it can also provide customization. Card surface styles, etc., to meet the needs of further personalization and recognition.
- various payment functions can be uniformly managed and set, for example, including adding, deleting, setting default cards, guiding opening, other card-related O2O value-added service portals, custom card surface styles, etc., and also capable of In a function interface, the function function entry of different payment functions on the same bank card is recommended at the same time, and the function integration is realized.
- 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.
- FIG. 6 is a schematic structural diagram of a virtual card display apparatus according to an embodiment of the present invention.
- the apparatus includes:
- the obtaining module 601 is configured to acquire card face display data of the virtual card to be displayed when receiving the interface display instruction;
- a generating module 602 configured to generate a payment function identifier of the virtual card based on an opening condition of a payment function supported by the virtual card;
- the display module 603 is configured to display the virtual card based on the card face display data of the virtual card and the payment function identifier.
- the device further includes:
- a receiving module configured to receive a first payment opening request for the first virtual card, where the first virtual card supports at least a first payment function
- the obtaining module is further configured to obtain, according to the first card type information of the first virtual card, the first card surface display data from the card surface database, where the card surface database is stored by the opening process of the second payment function.
- the card face display data is obtained, and the first card face display data is card face display data corresponding to the first card type information.
- the device further includes:
- a judging module configured to determine, when the card face database updates the second card face display data corresponding to the second card type information, whether the local virtual card includes the second virtual card corresponding to the second card type information;
- the obtaining module is further configured to obtain the second card surface display data from the updated card surface database if the local existing virtual card includes the second virtual card corresponding to the second card type information.
- the acquiring module is further configured to acquire third card surface display data and a third card surface of the third virtual card during the opening of the second payment function of the third virtual card.
- Type information
- the apparatus further includes: an update module, configured to update the third card face display data and the third card face type information of the third virtual card to the card face database.
- the update module is configured to send third card face display data and the third card face type information of the third virtual card to a server, so that the server: the third virtual The third card face display data of the card and the third card face type information are correspondingly stored to the card face database.
- the display module is further configured to display a function interface of the virtual card when the triggering operation on the virtual card is detected, where the function interface includes at least one operation of the virtual card Function entry.
- At least one operational function entry of the virtual card includes payment The function opening portal, the payment function opening portal is used to guide the user to open a payment function that the virtual card is not currently open.
- the at least one operational function portal of the virtual card includes a default card setup entry for guiding a user to set a default payment card for the current payment function.
- the at least one operation function entry of the first virtual card includes an account inquiry function entry, a credit card repayment entry, a service network query entry, a custom card face style, a financial institution offer information, or recommendation information. At least one.
- the virtual card portion located below covers the virtual card located above except the payment function identifier. part.
- the acquiring module is configured to send first card type information of the first virtual card to a server, where the server queries the first card surface display data from the card surface database. And returning; receiving the first card surface display data.
- FIG. 7 is a block diagram of a virtual card display device 700, according to an exemplary embodiment.
- device 700 can be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a gaming console, a tablet device, a medical device, a fitness device, a personal digital assistant, and the like.
- apparatus 700 can include one or more of the following components: processing component 702, memory 704, power component 706, multimedia component 708, audio component 710, input/output (I/O) interface 712, sensor component 714, And a communication component 716.
- Processing component 702 typically controls the overall operation of device 700, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations.
- Processing component 702 can include one or more processors 720 to execute instructions to perform all or part of the steps described above.
- processing component 702 can include one or more modules to facilitate interaction between component 702 and other components.
- processing component 702 can include a multimedia module to facilitate interaction between multimedia component 708 and processing component 702.
- Memory 704 is configured to store various types of data to support operation at device 700. Examples of such data include instructions for any application or method operating on device 700, contact data, phone book data, messages, pictures, videos, and the like. Memory 704 can be implemented by any type of volatile or non-volatile storage device, or a combination thereof, such as static random access memory (SRAM), EEPROM, EEPROM, Programmable Read Only Memory (PROM), Read Only Memory (ROM), Magnetic Memory, Flash Memory, disk or disc.
- SRAM static random access memory
- EEPROM Electrically erasable programmable Read Only Memory
- ROM Read Only Memory
- Magnetic Memory Flash Memory
- Power component 706 provides power to various components of device 700.
- Power component 706 can include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for device 700.
- the multimedia component 708 includes a screen between the device 700 and the user that provides an output interface.
- the screen can include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen can be implemented as a touch screen to receive input signals from the user.
- the touch panel includes one or more touch sensors to sense touches, slides, and gestures on the touch panel. The touch sensor may sense not only the boundary of the touch or sliding action, but also the duration and pressure associated with the touch or slide operation.
- the multimedia component 708 includes a front camera and/or a rear camera. When the device 700 is in an operation mode, such as a shooting mode or a video mode, the front camera and/or the rear camera can receive external multimedia data. Each front and rear camera can be a fixed optical lens system or have focal length and optical zoom capabilities.
- the audio component 710 is configured to output and/or input an audio signal.
- audio component 710 includes a microphone (MIC) that is configured to receive an external audio signal when device 700 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode.
- the received audio signal may be further stored in memory 704 or transmitted via communication component 716.
- audio component 710 also includes a speaker for outputting an audio signal.
- the I/O interface 712 provides an interface between the processing component 702 and the peripheral interface module, which may be a keyboard, a click wheel, a button, or the like. These buttons may include, but are not limited to, a home button, a volume button, a start button, and a lock button.
- Sensor assembly 714 includes one or more sensors for providing device 700 with various aspects of status assessment.
- sensor assembly 714 can detect an open/closed state of device 700, relative positioning of components, such as the display and keypad of device 700, and sensor component 714 can also detect a change in position of one component of device 700 or device 700. The presence or absence of user contact with device 700, device 700 orientation or acceleration/deceleration, and temperature variation of device 700.
- Sensor assembly 714 can include a proximity sensor configured to detect the presence of nearby objects without any physical contact.
- Sensor component 714 can also include a light sensor, such as a CMOS or CCD image sensor, Used in imaging applications.
- the sensor component 714 can also include an acceleration sensor, a gyro sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
- Communication component 716 is configured to facilitate wired or wireless communication between device 700 and other devices.
- the device 700 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof.
- communication component 716 receives broadcast signals or broadcast associated information from an external broadcast management system via a broadcast channel.
- the communication component 716 also includes a near field communication (NFC) module to facilitate short range communication.
- NFC near field communication
- the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
- RFID radio frequency identification
- IrDA infrared data association
- UWB ultra-wideband
- Bluetooth Bluetooth
- apparatus 700 may be implemented by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable A gate array (FPGA), controller, microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
- ASICs application specific integrated circuits
- DSPs digital signal processors
- DSPDs digital signal processing devices
- PLDs programmable logic devices
- FPGA field programmable A gate array
- controller microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
- non-transitory computer readable storage medium comprising instructions, such as a memory 704 comprising instructions executable by processor 720 of apparatus 700 to perform the above method.
- the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
- a non-transitory computer readable storage medium when the instructions in the storage medium are executed by a processor of the mobile terminal, enabling the mobile terminal to perform the virtual card display method provided by the embodiment shown in FIG. 1 or FIG. The steps performed by the terminal.
- FIG. 8 is a schematic structural diagram of a virtual card display apparatus according to an embodiment of the present invention.
- the device includes:
- the receiving module 801 is configured to receive first card type information of the first virtual card sent by the terminal, where the first virtual card supports at least a first payment function;
- the query module 802 is configured to query whether the card surface database stores the first card surface display data, and the card surface database stores the card surface display data acquired by the opening process of the second payment function, where the first card surface display The data is card face display data corresponding to the first card type information;
- a sending module 803 configured to send the first card surface display data to the terminal if the first card surface display data is stored, where the terminal displays the first page based on the first card surface display data A virtual card.
- the receiving module 801 is further configured to receive the first part sent by the terminal a third card face display data of the three virtual cards and the third card face type information;
- the device further includes: a storage module, configured to store the third card surface display data of the third virtual card and the third card surface type information correspondingly to the card surface database.
- FIG. 9 is a block diagram of a virtual card display device 900, according to an exemplary embodiment.
- device 900 can be provided as a server.
- apparatus 900 includes a processing component 922 that further includes one or more processors, and memory resources represented by memory 932 for storing instructions executable by processing component 922, such as an application.
- An application stored in memory 932 may include one or more modules each corresponding to a set of instructions.
- processing component 922 is configured to execute instructions to perform the steps performed by the server in the method illustrated in FIG. 2 above.
- Device 900 may also include a power supply component 926 configured to perform power management of device 900, a wired or wireless network interface 950 configured to connect device 900 to the network, and an input/output (I/O) interface 958.
- Device 900 can operate based on an operating system stored in memory 932, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM or the like.
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Abstract
本发明实施例提供了一种虚拟卡片显示方法及装置,涉及终端技术领域,所述方法包括:当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。本发明根据虚拟卡片所支持支付功能的不同以及各个支付功能的开通情况的不同,对虚拟卡片进行更加直观的显示,使得虚拟卡片所支持的支付方式在显示上一目了然,能够帮助及引导用户进行相应的支付功能开通,能够保证用户体验的易用性和一致性以提升绑卡量和用户数。
Description
本发明涉及终端技术领域,特别涉及一种虚拟卡片显示方法及装置。
随着终端技术的发展,移动支付技术已经成为一种越来越被接受的手段。目前移动支付技术通过支付业务层面主要分为两大类别:一种是第三方支付,即快捷支付,快捷支付主要是以第三方支付公司为结算机构主体,由第三方支付公司作为与银行进行交易的媒介的支付方式,一种是NFC(Near Field Communication,近场通信)闪付,主要是以银联组织为结算机构主体,由银联组织作为与银行进行交易的媒介的支付方式。不论哪种支付方式,都极大简化了用户的支付过程,而且由于替代了银行卡实体卡和现金,因此,也确保了用户资金的安全。
发明内容
为了提高虚拟卡片显示的直观性,本发明实施例提供了一种虚拟卡片显示方法及装置。所述技术方案如下:
第一方面,提供了一种虚拟卡片显示方法,包括:
当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;
基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;
基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
本公开实施例的方法,可以根据虚拟卡片所支持支付功能的不同以及各个支付功能的开通情况的不同,对虚拟卡片进行更加直观的显示,使得虚拟卡片所支持的支付方式在显示上一目了然,能够帮助及引导用户进行相应的支付功
能开通,能够保证用户体验的易用性和一致性以提升绑卡量和用户数。
在一种可能实现方式中,所述方法还包括:
接收对第一虚拟卡片的第一支付开通请求,所述第一虚拟卡片至少支持第一支付功能;
根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
在一种可能实现方式中,所述方法还包括:
当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;
如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
在一种可能实现方式中,所述方法还包括:
在对第三虚拟卡片的第二支付功能的开通过程中,获取所述第三虚拟卡片的第三卡面显示数据和第三卡面类型信息;
将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库。
在一种可能实现方式中,将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库包括:
向服务器发送所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息,使得所述服务器将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
在一种可能实现方式中,基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片之后,所述方法还包括:
当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括支付功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括默认
卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。
在一种可能实现方式中,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
在一种可能实现方式中,当待显示的虚拟卡片为多张时,对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分。
在一种可能实现方式中,根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据包括:
向服务器发送所述第一虚拟卡片的第一卡片类型信息,由所述服务器从所述卡面数据库中查询所述第一卡面显示数据并返回;
接收所述第一卡面显示数据。
第二方面,提供了一种虚拟卡片显示方法,包括:
接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;
查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;
如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
在一种可能实现方式中,所述方法还包括:
接收所述终端发送的所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息;
将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
第三方面,提供了一种虚拟卡片显示装置,包括:
获取模块,用于当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;
生成模块,用于基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;
显示模块,用于基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
在一种可能实现方式中,所述装置还包括:
接收模块,用于接收对第一虚拟卡片的第一支付开通请求,所述第一虚拟卡片至少支持第一支付功能;
所述获取模块还用于根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
在一种可能实现方式中,所述装置还包括:
判断模块,用于当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;
所述获取模块还用于如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
在一种可能实现方式中,所述获取模块还用于在对第三虚拟卡片的第二支付功能的开通过程中,获取所述第三虚拟卡片的第三卡面显示数据和第三卡面类型信息;
所述装置还包括:更新模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库。
在一种可能实现方式中,所述更新模块用于向服务器发送所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息,使得所述服务器将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
在一种可能实现方式中,所述显示模块还用于当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括支付
功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括默认卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。
在一种可能实现方式中,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
在一种可能实现方式中,当待显示的虚拟卡片为多张时,对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分。
在一种可能实现方式中,所述获取模块用于向服务器发送所述第一虚拟卡片的第一卡片类型信息,由所述服务器从所述卡面数据库中查询所述第一卡面显示数据并返回;接收所述第一卡面显示数据。
第四方面,提供了一种虚拟卡片显示装置,包括:
接收模块,用于接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;
查询模块,用于查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;
发送模块,用于如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
在一种可能实现方式中,所述接收模块还用于接收所述终端发送的所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息;
所述装置还包括:存储模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
第五方面,提供了一种虚拟卡片显示装置,包括:
处理器;
用于存储处理器可执行指令的存储器;
其中,所述处理器被配置为:
获取第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;将所述第一卡片类型信息发送至服务器,使得服务器获取并返回第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;接收所述第一卡面显示数据;基于所述第一卡面显示数据,显示所述第一虚拟卡片。
第六方面,提供了一种虚拟卡片显示装置,包括:
处理器;
用于存储处理器可执行指令的存储器;
其中,所述处理器被配置为:
接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;
查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;
如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
应当理解的是,以上的一般描述和后文的细节描述仅是示例性的,并不能限制本公开。
此处的附图被并入说明书中并构成本说明书的一部分,示出了符合本公开的实施例,并与说明书一起用于解释本公开的原理。
图1是根据一示例性实施例示出的一种虚拟卡片显示方法的流程图;
图2是根据一示例性实施例示出的一种虚拟卡片显示方法的流程图;
图3是根据一示例性实施例示出的一种虚拟卡片显示界面;
图4是根据一示例性实施例示出的一种虚拟卡片显示界面;
图5是根据一示例性实施例示出的一种虚拟卡片显示界面;
图6是根据一示例性实施例示出的一种虚拟卡片显示装置的结构示意图;
图7是根据一示例性实施例示出的一种虚拟卡片显示装置700的框图;
图8是根据一示例性实施例示出的一种虚拟卡片显示装置的结构示意图。
图9是根据一示例性实施例示出的一种虚拟卡片显示装置900的框图。
为使本公开的目的、技术方案和优点更加清楚明白,下面结合实施方式和附图,对本公开做进一步详细说明。在此,本公开的示意性实施方式及其说明用于解释本公开,但并不作为对本公开的限定。
本公开实施例所述的支付功能包括第一支付功能和第二支付功能,其中,第一支付功能可以为第三方支付功能,第二支付功能可以为NFC闪付,上述支付功能均由支付应用提供。下面,对两种不同的支付功能进行介绍:
第三方支付功能:是指由具有支付牌照的第三方支付机构提供支付账号,用户可以通过在支付账号内绑定银行卡,或是向支付账号中进行充值,以使得在支付过程中,收款终端和付款终端可以通过二维码扫描等形式交互收款账号和/或付款账号,从而实现从付款账号到收款账号的支付操作。
NFC闪付方式,是指通过付款终端上的NFC模块与收款终端的NFC模块之间的交互,在终端之间进行支付信息的交互,从而使得收款终端可以与提供该收款终端的后台(例如银联服务器或某个银行服务器)进行数据交互,以实现付款终端向收款终端的支付操作。
图1是根据一示例性实施例示出的一种虚拟卡片显示方法的流程图,如图1所示,包括以下步骤:
在步骤101中,当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据。
在步骤102中,基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识。
在步骤103中,基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
本公开实施例的方法,可以根据虚拟卡片所支持支付功能的不同以及各个支付功能的开通情况的不同,对虚拟卡片进行更加直观的显示,使得虚拟卡片所支持的支付方式在显示上一目了然,能够帮助及引导用户进行相应的支付功
能开通,能够保证用户体验的易用性和一致性以提升绑卡量和用户数。
图2是根据一示例性实施例示出的一种虚拟卡片显示方法的流程图,如图2所示,包括以下步骤:
在步骤201中,接收对第一虚拟卡片的第一支付开通请求。
该第一虚拟卡片可以是指当前待绑定的虚拟卡片,上述步骤201的过程是指当用户希望为某张虚拟卡片开通第三方支付功能时,可以在该支付应用中触发第一支付开通请求。在实际场景中,可以在触发第一支付开通请求之前,由用户输入虚拟卡片的卡号信息,使得终端能够提取该卡号信息,作为开通第一支付功能的一个必要信息。
在步骤202中,根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
该卡面数据库中可以存储有卡片类型信息以及对应的卡面显示数据。其中,第一虚拟卡片的第一卡片类型信息包括该第一虚拟卡片的卡号的前预设位。例如,卡号的前4位,或者卡号的前6位,或者卡号的前8位。
发明人认识到,银行卡号的前预设位数字代表发卡行标识代码,也叫BIN号,不同的BIN号代表了不同的银行卡组织和卡片级别,因此,可以通过获取卡号的前预设位,来用于确定该虚拟卡片的发卡行(如工商银行、招商银行等)、卡片级别(金卡、银卡或白金卡等)、银行卡组织(银联、VISA、万事达Master)等,而卡面设计与发卡行、卡片级别、银行卡组织等信息通常具有一定关联,因此,可以采用卡片类型信息作为索引卡面显示数据的信息。
该卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据。对于支持第二支付功能即NFC闪付功能的虚拟卡片来说,其可以通过支付功能开通过程,获取到由银行或银行卡组织所提供的卡面设计,即卡面显示数据,因此,在显示时可以提供真实直观的卡面显示效果,可以通过将这些已有的卡面设计分享至支持第一支付功能的虚拟卡片上进行显示,从而达到统一的显示效果。
需要说明的是,上述的卡面数据库可以是服务器维护的数据库,因此,该获取卡面显示数据的过程可以通过与服务器之间的交互实现。例如:终端将该
第一卡片类型信息发送至服务器,当服务器接收到该第一卡片类型信息时,查询卡面数据库是否存储有第一卡面显示数据,如果存储有第一卡面显示数据,则获取该第一卡面显示数据,并将该第一卡面显示数据发送给终端进行显示。
当然,上述卡面数据库还可以是由终端从服务器上下载的数据库,从而能够降低与服务器之间的交互次数,达到从本地即可以获取卡面设计的目的。
上述步骤201和202是在支付功能开通过程中如何获取卡面显示数据的过程。在本公开实施例中,该过程是以新开通第一支付功能的第一虚拟卡片为例进行说明,而在另一实施例中,也可以是对终端上已有的某一张虚拟卡片进行卡面设计的更新。也即是,当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
对于某些虚拟卡片来说,之前该虚拟卡片仅支持某种支付功能,那么有可能后续由于银行开通了其他支付功能,可以通知给服务器,使得服务器能够及时更新卡面数据库,从而由卡面数据库的更新触发终端上已有虚拟卡片的卡面更新。当然,该过程也可以是对于某一虚拟卡片,之前服务器处并未存储其对应的卡面设计,则可以在服务器检测到该卡面设计已经被其他终端上传时,及时通知终端进行更新。通过该步骤,该第二卡面显示数据就可以被其他具有与第二虚拟卡片相同卡片类型的虚拟卡片所共享。当然,上述步骤可以是对卡面数据库进行更新的步骤,其执行时机不受限制。
为了提高安全性,可以将虚拟卡片的卡面显示数据存储于终端的指定存储区域,该指定存储区域可以为可信任存储区域等安全性较高的存储区域,本公开实施例对此不做具体限定。
在步骤203中,当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据。
该界面显示指令用于显示虚拟卡片列表界面,该虚拟卡片列表界面中可以包括有至少一张已添加至终端的虚拟卡片。
当终端对卡面显示数据的存储方式是将卡面显示数据和卡面类型信息对应存储时,该获取过程可以包括:根据待显示的虚拟卡片的卡面类型信息,从终端的指定存储区域获取与卡面类型信息对应的卡面显示数据。而如果终端对每张虚拟卡片均分配了卡片标识(如,卡片ID或卡片编号),则终端可以将卡
片标识与卡面显示数据对应存储,则该获取过程可以包括:根据待显示的虚拟卡片的卡片标识,从终端的指定存储区域获取与卡片标识对应的卡面显示数据。
在本公开实施例中,上述第一虚拟卡片的第一卡面显示数据已经被获取到终端,因此,在执行步骤203时,可以实现对第一虚拟卡片的显示,而在显示第一虚拟卡片的同时,还可以显示其他已添加至终端的虚拟卡片,对于每张虚拟卡片来说,其具体显示方式均同理,本公开实施例仅对某一张虚拟卡片的具体显示方式进行阐述。
在步骤204中,基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识。
每张虚拟卡片根据其所支持支付功能的不同以及所支持支付功能的开通情况不同,可以生成不同的支付功能标识,具体举例如下:
(1)虚拟卡片支持第一支付功能和第二支付功能,且第一支付功能和第二支付功能均处于开通状态,则可以生成的支付功能标识包括:第一支付功能已开通标识和第二支付功能已开通标识。如图3中银行卡E的卡面显示。
(2)虚拟卡片支持第一支付功能和第二支付功能,且第一支付功能处于开通状态,第二支付功能处于未开通状态,则可以生成的支付功能标识包括:第一支付功能已开通标识和第二支付功能未开通标识。如图3中银行卡C的卡面显示。
(3)虚拟卡片支持第一支付功能和第二支付功能,且第一支付功能处于未开通状态,第二支付功能处于已开通状态,则可以生成的支付功能标识包括:第一支付功能未开通标识和第二支付功能已开通标识。如图3中银行卡B的卡面显示。
(4)虚拟卡片支持第一支付功能,第一支付功能处于已开通状态,则可以生成的支付功能标识包括:第一支付功能已开通标识。如图3中银行卡D的卡面显示。
(5)虚拟卡片支持第二支付功能,第二支付功能处于已开通状态,则可以生成的支付功能标识包括:第二支付功能已开通标识。如图3中的银行卡A的卡面显示。
在步骤205中,基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
在虚拟卡片上显示支付功能标识,能够直观的体现虚拟卡片的支付功能开通情况,并能够根据开通情况,直观的提醒用户进行功能申请等步骤。对于每张虚拟卡片,根据其所支持支付功能的不同以及所支持支付功能的开通情况不同,可以基于上述步骤205中所生成的支付功能标识进行显示,具体显示方式可以参见图3中的各个银行卡,需要说明的是,图3中仅是本公开实施例的一个示例,其具体支付功能标识的内容、显示形式以及位于卡面上的位置不对本公开的具体实现造成限定。
进一步地,在虚拟卡片上还可以显示该虚拟卡片的卡片类型信息中的部分信息,以提供更直观的卡片信息。例如,显示银行卡的后四位尾号等等。
当待显示的虚拟卡片为多张时,对该多张虚拟卡片采用列表显示,而对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分,这种显示方式可以大大节约显示空间。如图3中银行卡A和银行卡B,位于下方的银行卡B覆盖了位于上方的银行卡A的下半部分,使得银行卡A能够显示支付功能标识“闪付”以及尾号1910。
在步骤206中,当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
当点击虚拟卡片列表中的某张虚拟卡片,该虚拟卡片可在当前界面翻转,以展示与本虚拟卡片相关的操作功能入口。其中,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
所述虚拟卡片的至少一个操作功能入口包括支付功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能,可以实现缩短操作路径的目的,并且,能够有针对性的对一些操作功能进行提示。例如,已开通第一支付功能后,未开通所述第二支付功能,可以显示用于开通第二支付功能的操作功能入口。
所述虚拟卡片的至少一个操作功能入口包括默认卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。例如,如果已开通第二支付功能,则可以显示用于设置默认卡的操作功能入口。
而为了达到对用户进行提示的目的,在进行显示各个操作功能入口时,可以遵循以下原则:当所述虚拟卡片已经开通所述第二支付功能,则将设置默认
卡的操作功能入口显示于所述至少一个操作功能入口的顶部,参见图4的显示顺序;或,当所述虚拟卡片已经开通所述第一支付功能,且未开通所述第二支付功能,则将开通所述第二支付功能的操作功能入口显示于所述至少一个操作功能入口的顶部,参见图5的显示顺序。当所述第一虚拟卡片已经开通所述第二支付功能,且未开通所述第一支付功能,则将开通所述第二支付功能的操作功能入口显示于设置默认卡的操作功能入口的下一项,参见图4的显示顺序。
需要说明的是,上述各个操作功能入口的显示顺序还可以有其他顺序,在此仅是对一种可能显示顺序的示例,不对本公开的具体实施造成限定。
本公开实施例的方法,可以根据虚拟卡片所支持支付功能的不同以及各个支付功能的开通情况的不同,对虚拟卡片进行更加直观的显示,使得虚拟卡片所支持的支付方式在显示上一目了然,能够帮助及引导用户进行相应的支付功能开通,能够保证用户体验的易用性和一致性以提升绑卡量和用户数。
进一步地,本公开实施例的方法,通过跨越不同的支付功能,将通过一个支付功能所得到的卡面设计,共享给同一类型卡片的其它支付功能,从而大大提高了虚拟卡片显示的直观性和真实性。而由于支持第三方快捷支付所绑定银行卡共享NFC闪付的卡面设计,使得所显示的卡面均是真实的卡面设计,对于识别性有很大提升;当然,还可以提供自定义卡面样式等,以满足进一步个性化和识别性的需要。
更进一步地,可以对多种支付功能进行统一管理、设置,例如包括添加、删除、设置默认卡、引导开通、其他与卡相关的O2O增值服务入口、自定义卡面样式等等,同时也能够在一个功能界面上,同时推荐不同支付功能在同一张银行卡上的操作功能入口,实现了功能的整合。
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。
图6是本发明实施例提供的一种虚拟卡片显示装置的结构示意图。参见图6,该装置包括:
获取模块601,用于当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;
生成模块602,用于基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;
显示模块603,用于基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
在一种可能实现方式中,所述装置还包括:
接收模块,用于接收对第一虚拟卡片的第一支付开通请求,所述第一虚拟卡片至少支持第一支付功能;
所述获取模块还用于根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
在一种可能实现方式中,所述装置还包括:
判断模块,用于当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;
所述获取模块还用于如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
在一种可能实现方式中,所述获取模块还用于在对第三虚拟卡片的第二支付功能的开通过程中,获取所述第三虚拟卡片的第三卡面显示数据和第三卡面类型信息;
所述装置还包括:更新模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库。
在一种可能实现方式中,所述更新模块用于向服务器发送所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息,使得所述服务器将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
在一种可能实现方式中,所述显示模块还用于当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括支付
功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能。
在一种可能实现方式中,所述虚拟卡片的至少一个操作功能入口包括默认卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。
在一种可能实现方式中,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
在一种可能实现方式中,当待显示的虚拟卡片为多张时,对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分。
在一种可能实现方式中,所述获取模块用于向服务器发送所述第一虚拟卡片的第一卡片类型信息,由所述服务器从所述卡面数据库中查询所述第一卡面显示数据并返回;接收所述第一卡面显示数据。
图7是根据一示例性实施例示出的一种虚拟卡片显示装置700的框图。例如,装置700可以是移动电话,计算机,数字广播终端,消息收发设备,游戏控制台,平板设备,医疗设备,健身设备,个人数字助理等。
参照图7,装置700可以包括以下一个或多个组件:处理组件702,存储器704,电源组件706,多媒体组件708,音频组件710,输入/输出(I/O)的接口712,传感器组件714,以及通信组件716。
处理组件702通常控制装置700的整体操作,诸如与显示,电话呼叫,数据通信,相机操作和记录操作相关联的操作。处理组件702可以包括一个或多个处理器720来执行指令,以完成上述的方法的全部或部分步骤。此外,处理组件702可以包括一个或多个模块,便于处理组件702和其他组件之间的交互。例如,处理组件702可以包括多媒体模块,以方便多媒体组件708和处理组件702之间的交互。
存储器704被配置为存储各种类型的数据以支持在装置700的操作。这些数据的示例包括用于在装置700上操作的任何应用程序或方法的指令,联系人数据,电话簿数据,消息,图片,视频等。存储器704可以由任何类型的易失性或非易失性存储设备或者它们的组合实现,如静态随机存取存储器
(SRAM),电可擦除可编程只读存储器(EEPROM),可擦除可编程只读存储器(EPROM),可编程只读存储器(PROM),只读存储器(ROM),磁存储器,快闪存储器,磁盘或光盘。
电源组件706为装置700的各种组件提供电力。电源组件706可以包括电源管理系统,一个或多个电源,及其他与为装置700生成、管理和分配电力相关联的组件。
多媒体组件708包括在所述装置700和用户之间的提供一个输出接口的屏幕。在一些实施例中,屏幕可以包括液晶显示器(LCD)和触摸面板(TP)。如果屏幕包括触摸面板,屏幕可以被实现为触摸屏,以接收来自用户的输入信号。触摸面板包括一个或多个触摸传感器以感测触摸、滑动和触摸面板上的手势。所述触摸传感器可以不仅感测触摸或滑动动作的边界,而且还检测与所述触摸或滑动操作相关的持续时间和压力。在一些实施例中,多媒体组件708包括一个前置摄像头和/或后置摄像头。当装置700处于操作模式,如拍摄模式或视频模式时,前置摄像头和/或后置摄像头可以接收外部的多媒体数据。每个前置摄像头和后置摄像头可以是一个固定的光学透镜系统或具有焦距和光学变焦能力。
音频组件710被配置为输出和/或输入音频信号。例如,音频组件710包括一个麦克风(MIC),当装置700处于操作模式,如呼叫模式、记录模式和语音识别模式时,麦克风被配置为接收外部音频信号。所接收的音频信号可以被进一步存储在存储器704或经由通信组件716发送。在一些实施例中,音频组件710还包括一个扬声器,用于输出音频信号。
I/O接口712为处理组件702和外围接口模块之间提供接口,上述外围接口模块可以是键盘,点击轮,按钮等。这些按钮可包括但不限于:主页按钮、音量按钮、启动按钮和锁定按钮。
传感器组件714包括一个或多个传感器,用于为装置700提供各个方面的状态评估。例如,传感器组件714可以检测到装置700的打开/关闭状态,组件的相对定位,例如所述组件为装置700的显示器和小键盘,传感器组件714还可以检测装置700或装置700一个组件的位置改变,用户与装置700接触的存在或不存在,装置700方位或加速/减速和装置700的温度变化。传感器组件714可以包括接近传感器,被配置用来在没有任何的物理接触时检测附近物体的存在。传感器组件714还可以包括光传感器,如CMOS或CCD图像传感器,
用于在成像应用中使用。在一些实施例中,该传感器组件714还可以包括加速度传感器,陀螺仪传感器,磁传感器,压力传感器或温度传感器。
通信组件716被配置为便于装置700和其他设备之间有线或无线方式的通信。装置700可以接入基于通信标准的无线网络,如WiFi,2G或3G,或它们的组合。在一个示例性实施例中,通信组件716经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中,所述通信组件716还包括近场通信(NFC)模块,以促进短程通信。例如,在NFC模块可基于射频识别(RFID)技术,红外数据协会(IrDA)技术,超宽带(UWB)技术,蓝牙(BT)技术和其他技术来实现。
在示例性实施例中,装置700可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或其他电子元件实现,用于执行上述方法。
在示例性实施例中,还提供了一种包括指令的非临时性计算机可读存储介质,例如包括指令的存储器704,上述指令可由装置700的处理器720执行以完成上述方法。例如,所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
一种非临时性计算机可读存储介质,当所述存储介质中的指令由移动终端的处理器执行时,使得移动终端能够执行上述图1或图2所示实施例提供的虚拟卡片显示方法中终端所执行的步骤。
图8是本发明实施例提供的一种虚拟卡片显示装置的结构示意图。参见图8,该装置包括:
接收模块801,用于接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;
查询模块802,用于查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;
发送模块803,用于如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
在一种可能方式中,所述接收模块801还用于接收所述终端发送的所述第
三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息;
所述装置还包括:存储模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
图9是根据一示例性实施例示出的一种虚拟卡片显示装置900的框图。例如,装置900可以被提供为一服务器。参照图9,装置900包括处理组件922,其进一步包括一个或多个处理器,以及由存储器932所代表的存储器资源,用于存储可由处理部件922的执行的指令,例如应用程序。存储器932中存储的应用程序可以包括一个或一个以上的每一个对应于一组指令的模块。此外,处理组件922被配置为执行指令,以执行上述图2所示方法中服务器所执行的步骤。
装置900还可以包括一个电源组件926被配置为执行装置900的电源管理,一个有线或无线网络接口950被配置为将装置900连接到网络,和一个输入输出(I/O)接口958。装置900可以操作基于存储在存储器932的操作系统,例如Windows ServerTM,Mac OS XTM,UnixTM,LinuxTM,FreeBSDTM或类似。
本领域技术人员在考虑说明书及实践这里公开的发明后,将容易想到本公开的其它实施方案。本申请旨在涵盖本公开的任何变型、用途或者适应性变化,这些变型、用途或者适应性变化遵循本公开的一般性原理并包括本公开未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的,本公开的真正范围和精神由下面的权利要求指出。
应当理解的是,本公开并不局限于上面已经描述并在附图中示出的精确结构,并且可以在不脱离其范围进行各种修改和改变。本公开的范围仅由所附的权利要求来限制。
Claims (28)
- 一种虚拟卡片显示方法,其特征在于,包括:当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
- 根据权利要求1所述的方法,其特征在于,所述方法还包括:接收对第一虚拟卡片的第一支付开通请求,所述第一虚拟卡片至少支持第一支付功能;根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
- 根据权利要求1所述的方法,其特征在于,所述方法还包括:当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
- 根据权利要求1所述的方法,其特征在于,所述方法还包括:在对第三虚拟卡片的第二支付功能的开通过程中,获取所述第三虚拟卡片的第三卡面显示数据和第三卡面类型信息;将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库。
- 根据权利要求4所述的方法,其特征在于,将所述第三虚拟卡片的第三 卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库包括:向服务器发送所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息,使得所述服务器将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
- 根据权利要求1所述的方法,其特征在于,基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片之后,所述方法还包括:当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
- 根据权利要求6所述的方法,其特征在于,所述虚拟卡片的至少一个操作功能入口包括支付功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能。
- 根据权利要求6所述的方法,其特征在于,所述虚拟卡片的至少一个操作功能入口包括默认卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。
- 根据权利要求6至8任一项所述的方法,其特征在于,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
- 根据权利要求1所述的方法,其特征在于,当待显示的虚拟卡片为多张时,对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分。
- 根据权利要求2所述的方法,其特征在于,根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据包括:向服务器发送所述第一虚拟卡片的第一卡片类型信息,由所述服务器从所述卡面数据库中查询所述第一卡面显示数据并返回;接收所述第一卡面显示数据。
- 一种虚拟卡片显示方法,其特征在于,包括:接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
- 根据权利要求12所述的方法,其特征在于,所述方法还包括:接收所述终端发送的所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息;将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
- 一种虚拟卡片显示装置,其特征在于,包括:获取模块,用于当接收界面显示指令时,获取待显示的虚拟卡片的卡面显示数据;生成模块,用于基于所述虚拟卡片所支持支付功能的开通情况,生成所述虚拟卡片的支付功能标识;显示模块,用于基于所述虚拟卡片的卡面显示数据和所述支付功能标识,显示所述虚拟卡片。
- 根据权利要求14所述的装置,其特征在于,所述装置还包括:接收模块,用于接收对第一虚拟卡片的第一支付开通请求,所述第一虚拟卡片至少支持第一支付功能;所述获取模块还用于根据所述第一虚拟卡片的第一卡片类型信息,从卡面数据库中获取第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据。
- 根据权利要求14所述的装置,其特征在于,所述装置还包括:判断模块,用于当所述卡面数据库更新了第二卡片类型信息对应的第二卡面显示数据时,判断本地已有虚拟卡片是否包括所述第二卡片类型信息对应的第二虚拟卡片;所述获取模块还用于如果所述本地已有虚拟卡片包括所述第二卡片类型信息对应的第二虚拟卡片,从更新了的卡面数据库中获取所述第二卡面显示数据。
- 根据权利要求14所述的装置,其特征在于,所述获取模块还用于在对第三虚拟卡片的第二支付功能的开通过程中,获取所述第三虚拟卡片的第三卡面显示数据和第三卡面类型信息;所述装置还包括:更新模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息更新至所述卡面数据库。
- 根据权利要求17所述的装置,其特征在于,所述更新模块用于向服务器发送所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息,使得所述服务器将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
- 根据权利要求14所述的装置,其特征在于,所述显示模块还用于当检测到对所述虚拟卡片的触发操作时,显示所述虚拟卡片的功能界面,所述功能界面包括所述虚拟卡片的至少一个操作功能入口。
- 根据权利要求19所述的装置,其特征在于,所述虚拟卡片的至少一个操作功能入口包括支付功能开通入口,所述支付功能开通入口用于引导用户开通所述虚拟卡片当前未开通的支付功能。
- 根据权利要求19所述的装置,其特征在于,所述虚拟卡片的至少一个操作功能入口包括默认卡设置入口,所述默认卡设置入口用于引导用户设置当前支付功能的默认支付卡片。
- 根据权利要求14至19任一项所述的装置,其特征在于,所述第一虚拟卡片的至少一个操作功能入口包括账户查询功能入口、信用卡还款入口、服务网点查询入口、自定义卡面样式、金融机构优惠信息或推荐信息中至少一项。
- 根据权利要求14所述的装置,其特征在于,当待显示的虚拟卡片为多张时,对于多张虚拟卡片中相邻的两张虚拟卡片,位于下方的虚拟卡片部分覆盖位于上方的虚拟卡片除支付功能标识以外的部分。
- 根据权利要求15所述的装置,其特征在于,所述获取模块用于向服务器发送所述第一虚拟卡片的第一卡片类型信息,由所述服务器从所述卡面数据库中查询所述第一卡面显示数据并返回;接收所述第一卡面显示数据。
- 一种虚拟卡片显示装置,其特征在于,包括:接收模块,用于接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;查询模块,用于查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;发送模块,用于如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
- 根据权利要求25所述的装置,其特征在于,所述接收模块还用于接收所述终端发送的所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息;所述装置还包括:存储模块,用于将所述第三虚拟卡片的第三卡面显示数据和所述第三卡面类型信息对应存储至所述卡面数据库。
- 一种虚拟卡片显示装置,其特征在于,包括:处理器;用于存储处理器可执行指令的存储器;其中,所述处理器被配置为:获取第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;将所述第一卡片类型信息发送至服务器,使得服务器获取并返回第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;接收所述第一卡面显示数据;基于所述第一卡面显示数据,显示所述第一虚拟卡片。
- 一种虚拟卡片显示装置,其特征在于,包括:处理器;用于存储处理器可执行指令的存储器;其中,所述处理器被配置为:接收终端发送的第一虚拟卡片的第一卡片类型信息,所述第一虚拟卡片至少支持第一支付功能;查询卡面数据库是否存储有第一卡面显示数据,所述卡面数据库存储有通过第二支付功能的开通过程获取到的卡面显示数据,所述第一卡面显示数据为与所述第一卡片类型信息对应的卡面显示数据;如果存储有所述第一卡面显示数据,将所述第一卡面显示数据发送至所述终端,由所述终端基于所述第一卡面显示数据显示所述第一虚拟卡片。
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