CN106557972B - Information processing method and system for realizing virtual user card - Google Patents
Information processing method and system for realizing virtual user card Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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Abstract
The invention provides an information processing method for realizing a virtual user card, which comprises the following steps: acquiring application information through an online application page of the virtual user card, and initiating a virtual user card application request to a transfer service according to the application information; receiving an authentication page identifier returned by the transfer service, wherein the authentication page identifier is returned by the transfer service according to whether the current application is the reapplication of the user card; skipping to enter authentication of the virtual user card according to the authentication page identifier, wherein the authentication of the virtual user card application comprises two-card user authentication and video surface signature; and receiving the information of the virtual user card issued according to the authentication passing result. In addition, an information processing system which is matched with the method and realizes the virtual user card is also provided. The method and the system for realizing the information processing of the virtual user card are suitable for all card holding conditions, and ensure the issuing safety of the user card and the reduction of time cost.
Description
Technical Field
The invention relates to the technical field of internet application, in particular to an information processing method and system for realizing a virtual user card.
Background
In daily life and work, users mostly pay online and offline through user cards such as credit cards and debit cards, and the user cards are usually obtained by the users who apply for the payment from any bank outlets.
Specifically, the user card is obtained by submitting application data and an identity document through a counter of a bank outlet, and signing and verifying the identity document on the spot. This is done and the entity's user card is then checked and mailed, with a long wait time for the user.
With the development of the internet, the user card can also be obtained through an online application service provided by a card issuing bank. However, for user card issuance that must be checked by identity, online applications cannot do this. The provided solution is to associate the existing user card with the applied user card, and then the identity check performed by the existing user card can be used for assisting the performed user card online application, thereby saving the cost required to be consumed while meeting the security.
However, for a user who does not hold a user card, online application of the user card cannot be realized, and therefore, the conventional user card cannot be applied to all card holding situations of the user to ensure the safety of card issuing and the reduction of time cost.
Disclosure of Invention
One object of the present invention is to solve the problem that the prior art is not applicable to all card holding situations, and to ensure the security of user card issuance and the reduction of time cost in any card holding situation.
Another object of the present invention is to provide an information processing method and system for implementing a virtual user card, which can be applied to all card holding situations and ensure the security of user card issuance and time cost reduction.
In order to solve the technical problems, the following technical scheme is adopted:
an information processing method for realizing a virtual user card comprises the following steps:
acquiring application information through an online application page of the virtual user card, and initiating a virtual user card application request to a transfer service according to the application information;
receiving an authentication page identifier returned by the transfer service, wherein the authentication page identifier is returned by the transfer service according to whether the current application is the reapplication of the user card;
skipping to enter authentication of the virtual user card according to the authentication page identifier, wherein the authentication of the virtual user card application comprises two-card user authentication and video surface signature;
and receiving the information of the virtual user card issued according to the authentication passing result.
An information processing system for realizing a virtual user card, comprising a mobile payment terminal, the mobile payment terminal comprising:
the application initiating module is used for acquiring application information through an online application page of the virtual user card and initiating a virtual user card application request to the switching service device according to the application information;
the authentication page identification receiving module is used for receiving an authentication page identification returned by the switching service device, wherein the authentication page identification is returned by the switching service device according to whether the current application is the reapplication of the user card;
the authentication skip module is used for skipping to enter the authentication claimed by the virtual user card according to the authentication page identifier, wherein the authentication claimed by the virtual user card comprises two-card user authentication and a video surface label;
and the card information receiving module is used for receiving the virtual user card information issued according to the authentication passing result.
According to the technical scheme, the user can input application information through the online application page of the virtual user card for applying the user card, to this end, the application information is obtained from the online application page to initiate a virtual user card application request to the forwarding service and receive the authentication page identification returned by the forwarding service, skipping to enter the authentication claimed by the virtual user card according to the authentication page identifier so as to finally receive the information of the virtual user card issued according to the authentication passing result, since the authentication page id is returned by the conversion server according to whether the currently running application is a re-application for the user card, and for the authentication according to the authentication page id, it can be a two-card user authentication or a video surface label, thus giving consideration to the card-not-holding user and the card-holding user again, the method is suitable for all card holding conditions, and ensures the safety of user card issuing and the reduction of time cost.
Drawings
Fig. 1 is a schematic structural diagram of a mobile payment terminal according to an embodiment of the present invention;
FIG. 2 is a flow diagram of a method for information processing to implement a virtual user card in one 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 of implementing a virtual user card in another embodiment;
fig. 5 is a flowchart of the method of fig. 1 for skipping to the authentication claimed by the virtual user card according to the authentication page identifier;
FIG. 6 is a flowchart of an information processing method of implementing a virtual user card in another embodiment;
FIG. 7 is a flowchart of an information processing method of implementing a virtual user card in another embodiment;
FIG. 8 is a flowchart of an information processing method of implementing a virtual user card in another embodiment;
FIG. 9 is a system architecture topology diagram for implementing a virtual user card in one embodiment;
FIG. 10 is a timing diagram of a virtual user card application by the user of FIG. 9;
FIG. 11 is a timing diagram illustrating a virtual user card application by a user not holding a user card of FIG. 10;
FIG. 12 is a timing diagram of an online quick pay for a virtual user card in one embodiment;
FIG. 13 is a timing diagram of an offline payment of a virtual user card in one embodiment;
FIG. 14 is a block diagram that illustrates the architecture of a mobile payment terminal in an information processing system that implements a virtual user card, in one embodiment;
FIG. 15 is a block diagram showing a configuration of a conversion service apparatus in an information processing system implementing a virtual subscriber card in another embodiment;
FIG. 16 is a block diagram showing the construction of a card issuing server in an information processing system implementing a virtual subscriber card in another embodiment;
FIG. 17 is a block diagram schematically illustrating the structure of the authentication skip module in FIG. 14;
fig. 18 is a block diagram showing a schematic structure of a forwarding service apparatus in another embodiment;
FIG. 19 is a block diagram showing the construction of a card issuing server in another embodiment;
fig. 20 is a block diagram schematically showing the construction of a transit service apparatus according to another embodiment.
Detailed Description
Exemplary embodiments that embody features and advantages of the invention are described in detail below in the specification. It is to be understood that the invention is capable of other embodiments and that various changes in form and details may be made therein without departing from the scope of the invention and the description and drawings are to be regarded as illustrative in nature and not as restrictive.
As described above, in order to ensure the security and lower time cost of issuing the user card under all card holding conditions, an information processing method for implementing a virtual user card is particularly provided. The information processing method for realizing the virtual user card is realized by a computer program, and correspondingly, the constructed information processing system for realizing the virtual user card is stored in the mobile payment terminal to run in the mobile payment terminal, so that the distribution of the virtual user card and the online and offline payment by applying the virtual user card are realized.
Fig. 1 shows a structure of a mobile payment terminal according to an embodiment of the present invention. The mobile payment terminal 100 is only an example to which the present invention is applicable and should not be construed as providing any limitation to the scope of use of the present invention. The mobile payment terminal 100 is also not to be construed as requiring reliance on, or having a combination of, one or more of the components of the illustrated exemplary mobile payment terminal 100.
As shown in fig. 1, the mobile payment terminal 100 includes a processor 110, a memory 120, and a system bus 130. Various groups including the memory 120 and the processor 110 will be connected to a system bus 130. The processor 110 is a piece of hardware for executing computer program instructions through basic arithmetic and logical operations in a computer system. The memory 120 is a physical device for temporarily or permanently storing computer programs or data.
Wherein the memory 120 has stored therein program instructions; processor 110 will execute program instructions in memory 120 and respond to various operations that are snooped.
The mobile payment terminal 100 further includes various input interfaces 170, an input device 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 further includes a storage device 180, the storage device 180 being selectable from a variety of computer readable storage media, which refers to any available media that can be accessed, including both removable and fixed media. For example, computer-readable media and not limitation, flash memory (micro SD cards), CD-ROM, Digital Versatile Disks (DVD) or other optical disks, magnetic cassettes, magnetic tape storage or other storage devices, or any other medium which can be used to store the desired information and which can be accessed.
As described in detail above, the mobile payment terminal 100 to which the present invention is applied will perform a specified operation of implementing a virtual user card, i.e., the specified operation is performed by the processor 110 executing program instructions in the memory 120.
Furthermore, the present invention can be implemented by hardware circuitry or by a combination of hardware circuitry and software instructions, and thus, implementation of the present invention is not limited to any specific hardware circuitry, software, or combination of both.
In an embodiment, specifically, the information processing method for implementing a virtual user card is shown in fig. 2, and includes:
step S210, obtaining application information through the online application page of the virtual user card, and initiating a virtual user card application request to the switching service according to the application information.
The user card comprises a physical user card and a virtual user card, wherein the physical user card is the user card, namely a debit card, a credit card and the like which are applied and made through the offline network; the virtual user card is obtained through online application, does not need to be attached to a physical card, and can realize the payment function only by obtaining related virtual user card information.
The online application page of the virtual user card is realized through the mobile payment terminal, and can be a page loaded by a browser in the mobile payment terminal or a page loaded by triggering the online application of the virtual user card in the application in the mobile payment terminal.
The on-line application page of the virtual user card comprises a form for inputting application information by a user, the input application information can be obtained through the form, and the application information is related information required to be submitted for virtual user card application, such as name, identification number and the like.
After the application information is obtained through the online application page of the virtual user card, a virtual user card application request is sent to the switching service according to the application request, so that the user can enter the virtual user card application through the online application page of the virtual user card.
The switching service is used as an access layer for the user to apply 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 the request.
The transfer service may be a server program in a server to provide access and various services for the implementation of a virtual user card in a mobile payment terminal.
In one embodiment, before the step of obtaining the application information, the online application page of the virtual user card verifies the user identity to determine whether the user has the authority to perform online application of the virtual user card, and then the user can jump to the online application page of the virtual user card after the password verification of the corresponding user identifier is completed, thereby ensuring the identity security of the user. The password verification can be a payment password corresponding to online payment of the user, so that issuing of the virtual user card, subsequent online payment and the like are facilitated, the virtual user card is fused in an account system, and safety and convenience are improved.
Step S230, receiving an authentication page identifier returned by the forwarding service, where the authentication page identifier is returned by the forwarding service according to whether the currently performed application is a reapplication of the user card.
The switching service receiving the virtual user card application request carries out the verification of the precondition, wherein the precondition comprises the correctness of the application information in the virtual user card request, the card holding condition corresponding to the user carrying out the virtual user card application, and the like, and the corresponding authentication page identification is returned according to the verification result after the verification is carried out.
The authentication page identifier is used for indicating the subsequent authentication of the mobile payment terminal, so that the difference of the authentication page identifier corresponds to the authentication of the virtual user card application in different mobile payment terminals.
Specifically, the authentication page identifier corresponds to a card holding condition corresponding to a user currently applying for the virtual user card, where the card holding condition includes an unoccupied user card and an existing user card, and therefore, the card holding condition of the unoccupied user card corresponds to the authentication page identifier for performing video surface signing, and the card holding condition of the existing user card corresponds to the two-card user authentication page identifier.
It should be noted that the user card may be an entity user card and/or a virtual user card, and the corresponding authentication page identifier may be obtained only by querying whether the user currently holds the user card according to the application information.
Further, whether the user holds any virtual user card and/or entity user card is inquired according to the application information, and the authentication page identification is updated according to the inquiry result, so that the authentication page identification is issued to the mobile payment terminal by the switching service.
And S250, skipping to enter the authentication of the virtual user card according to the authentication page identifier, wherein the authentication of the virtual user card application comprises two-card user authentication and video surface sign.
In the mobile payment terminal, after receiving the authentication page identifier returned by the switching service, the mobile payment terminal jumps to enter the corresponding authentication, and further executes the identity verification and verification required by the user card application.
The authentication of the virtual user card application according to the authentication page identification comprises two-card user authentication and video surface signature, and the authentication process of the user who applies for the user card again and the authentication process of the user who applies for the user card for the first time are both considered, so that the security requirement of user application can be met under various user card holding conditions, and the method can be suitable for all users who need to apply for the virtual user card.
Step S270, receiving the information of the virtual user card issued according to the authentication passing result.
And returning a corresponding authentication result after the authentication claimed by the virtual user card is ended, wherein the authentication result is only an authentication passing result and an authentication failing result.
If the card issuer of the virtual user card obtains the authentication passing result, it indicates that the user currently applying for the virtual user card has the relevant conditions for holding the virtual user card, and then the virtual user card applied for the user card can be issued.
Unlike the physical user card, the virtual user card does not use the physical card as a carrier, so that the cost required for manufacturing can be greatly saved. The virtual user card is issued by the card issuer, and the virtual user card information includes the virtual user card code number, account number (PAN), amount, etc.
Through the virtual user card implementation process, the security requirement consistent with that of the entity user card is met, the user card is obtained in real time, the waiting time of the user is greatly shortened, the instant application and real-time obtaining of the virtual user card are realized, and the user card is applied at any time, issued at any time and used at any time.
In one embodiment, as shown in fig. 3, before the step S230, the method as described above further includes:
step S310, the virtual user card application request in the transfer service extracts the application information corresponding to the virtual user card application.
After receiving a virtual user card application request initiated by any mobile payment terminal, the side of the transfer service where the transfer service is located extracts corresponding application information from the virtual user card application request.
Step S330, the application information corresponding to the virtual user card application is forwarded to the card issuing server, so as to initiate the inquiry whether the virtual user card application is the user card reapplication.
The card-issuing server is used as a carrier for information processing and interaction of a card-issuing party, stores card-holding information of all users, and for the users who already hold the user cards, the card-issuing server stores the mapping of the identity card number and the card-holding information, so that the card-issuing server can be inquired whether the user who currently applies for the virtual user card is the user who applies for the user card again according to the application information, and a corresponding authentication mode is adopted according to the inquiry result.
And step S350, receiving a result value returned by the card issuing server, and updating the authentication page identifier according to the result value.
Under the condition that the card-holding information is inquired by the card-issuing server according to the application information, if the corresponding card-holding information is obtained through inquiry, the contact way is extracted from the card-holding information, and a result value formed by the contact way is returned to the switching service; if the corresponding card holding information is not obtained through inquiry, a result value used for identifying the current inquiry result is fed back to the forwarding service.
And after receiving the result value returned by the card issuing server, the switching service updates the authentication page identifier so as to send the updated authentication page identifier to the mobile payment terminal.
Further, in this embodiment, before step S330, an accuracy verification of the application information may be performed, for example, checking the name, the identification number, and the like, so as to ensure the accuracy of the information and the smoothness of the virtual user card implementation to the greatest extent.
In one embodiment, as shown in fig. 4, before the step S350, the method as described above further includes:
and step S410, in the card issuing server, judging whether the virtual user card application is the reapplication of the user card according to the received application information, if so, entering step S430, and if not, entering step S450.
Step S430, the result value corresponding to the authentication of the two-card user is returned to the switching service.
Step S450, the result value corresponding to the video surface label is returned to the switching service.
That is, as described above, it may be queried through the mapping relationship between the identity card number and the card holding information stored in the card issuing server whether the currently performed virtual user card application is a user card re-application.
No matter the number of the information cards held by the user recorded in the card holding information of the user, and the authentication process in the virtual user card application, no matter whether the user already holds one user card or a plurality of user cards, the related authentication process is not different, so that only whether the currently performed virtual user card application is the reapplication of the user card needs to be inquired, and the user card does not need to pay attention to the second application of the user card or the third application waiting.
Further, in one embodiment, as shown in fig. 5, the step S250 includes:
and step S251, triggering authentication entering the virtual user card application according to the authentication page identifier, and acquiring and uploading the identity card image.
The authentication page mark is returned by the transfer service according to the reapplication of the user card according to the current application, and the authentication claimed by the virtual user card is the video surface label corresponding to the authentication page mark.
In the process of video surface signing, firstly, the identity card image is uploaded, the identity card image comprises an identity card front image and an identity card back image, and the identity card image is imported into the mobile payment terminal and uploaded to the transfer service.
The transfer service encrypts and stores the received ID card image.
Step S253, the face sign guidance information sent by the forwarding service is received and displayed on the authentication page.
And the mobile payment terminal which carries out face signing at present receives face signing guide information and displays the face signing guide information, wherein the face signing guide information is used for guiding a user to carry out face signing at present.
Specifically, the surface label guiding information comprises a plurality of contents which can be respectively issued by the switching service according to the execution stages corresponding to the surface label of the mobile payment terminal; the switching service can also be issued once, and the mobile payment terminal respectively displays the switching service and the mobile payment terminal, so that the gradual guidance of the face signing process is realized for the user.
The label reading guide information comprises a video recording starting instruction, a label reading action indication strategy and label, authorized characters and the like.
For example, when the forwarding service sends the sign-off guide information in stages, the mobile payment terminal will first receive a video recording starting instruction, which is to start video recording according to the video recording starting instruction, and notify the user to prepare for the sign-off through the authentication page.
The mobile payment terminal receives a face-to-face sign action indication strategy and a label, wherein the face-to-face sign action indication strategy is used for guiding a user to make a series of actions according to the indication strategy, and the label marks the actions in the obtained media data.
Specifically, the indication strategy of the face-to-face sign action is displayed in the authentication page of the mobile payment terminal to guide the user to make a series of actions required by the face-to-face sign, the started video recording acquires corresponding media data, and a corresponding tag is added to the media data corresponding to each action, so that the media data including action segments and tags are obtained.
After the action guidance of the face-to-face label is finished, the transfer service issues authorization words to the mobile payment terminal to instruct a user to read the authorization words at a specified time, and the media data is acquired by the started video recording.
And step S255, acquiring the media data of the surface signing behavior performed by the user through the guidance performed by the surface signing guidance information in the authentication page.
Step S257, the media data is reported to the forwarding service, so as to initiate authentication of virtual user card claim to the forwarding service.
And the transfer service receives and encrypts and stores the media data reported by the mobile payment terminal for subsequent reading.
Further, in this embodiment, as shown in fig. 6, after the step S250, the method further includes:
step S510, in the forwarding service, identity information query matching is initiated through the identity card image and the media data, so as to obtain a returned query identifier.
The switching service is connected with the public security department system, sends the identification card image and the media data to the connected public security department system, and further conducts identity information inquiry matching through the public security department system so as to obtain corresponding face label scores and inquiry marks, and the face label scores and the inquiry marks are stored in a correlated mode.
Step S530, the inquiry mark and the application information are reported to the card issuing server.
In the transfer service, after receiving the returned query identifier, the application information and the query identifier are also reported to the card issuing server, so that the card issuing party can perform initial review of virtual user card issuing according to the information.
Further, in this embodiment, as shown in fig. 7, after step S530, the method further includes:
and step S610, obtaining the face label score corresponding to the query identifier through the card issuing server.
And obtaining the face label score corresponding to the face label finished by the mobile payment terminal according to the corresponding relation between the query identifier and the face label score.
And step S630, performing card opening processing on the virtual user card according to the face label score and the application information to obtain virtual user card information.
And step S650, issuing the virtual user card information.
The card issuing server issues the obtained virtual user card information to the mobile payment terminal, so that the mobile payment terminal can complete payment through the issued virtual user card information.
The issuing channel of the virtual user card information between the card issuing server and the mobile payment terminal can be realized by the forwarding server or other channels of the card issuing party.
In one embodiment, after the step S630, the method as described above further includes:
and mapping the virtual user card identifier in the virtual user card information to a corresponding user identifier to obtain a mapping relation between the virtual user card identifier and the user identifier, and storing the mapping relation in the transfer service.
Through the mapping between the virtual user card identification and the user identification, the quick payment binding of the virtual user card is realized, so that the subsequent payment can be realized through the quick payment binding of the virtual user card, namely, the mapping relation between the virtual user card identification and the user identification is realized, and the convenience of using the virtual user card is improved.
Further, in another embodiment, as shown in fig. 8, after the step S270, the method as described above further includes:
step S710, receiving and obtaining a payment request initiated by the online payment page, and acquiring payment designated parameters and user identification according to the payment request.
The user identification and the corresponding password are the payment account and the payment password corresponding to the online payment of the user. Therefore, in the online payment page containing the payment specification parameters and the user identification, the input payment password is acquired to trigger the payment behavior so as to initiate the payment request to the transfer service.
The payment request includes a payment password to complete the authentication of the payment through the payment password, so as to obtain the payment specified parameter and the user identification after the response of the payment request is completed.
Step S730, obtaining a virtual user card identifier corresponding to the user identifier according to the mapping relationship stored in the forwarding service.
As described above, the transfer service stores the mapping relationship between the user identifier and the virtual user card identifier, so that the transfer service that obtains the user identifier in the payment request searches for the corresponding mapping relationship according to the user identifier, and further obtains the corresponding virtual user card identifier from the mapping relationship.
And step S750, initiating payment according to the virtual user card identification and the payment designated parameters.
The switching service only provides virtual access and service for application and online payment of the virtual user card, and cannot realize any user card function, which is realized by a card issuer of the user card, so that the switching service initiates payment to a card issuing server to realize corresponding functions of deduction and the like.
In another embodiment, after the step S630, the method as described above further includes:
and carrying out payment identification processing on the virtual user card identification in the virtual user card information to obtain a payment token, and adding the payment token to the virtual user card information.
The payment token is a substitute value of the virtual user card identifier, and is circulated in each link of payment so as to improve the simplicity of data in each link.
In another embodiment, after the step of performing payment identification processing on the virtual user card identifier in the virtual user card information to obtain the payment token, and adding the payment token to the virtual user card information, the method further includes:
and the mobile payment terminal receiving the virtual user card information writes the payment token in the virtual user card information into the SE security chip.
In order to realize the offline payment of the mobile payment terminal through the virtual user card, the offline payment is written into an SE (secure element) security chip of the mobile payment terminal through an NFC (near field communication) technology, so that the offline payment of the mobile payment terminal is carried out on a POS (point of sale) machine.
The information processing method for implementing the virtual user card is described in detail below with reference to a specific embodiment. In this embodiment, a system architecture for implementing a virtual user card according to the present invention can be shown in fig. 9, that is, the system architecture can be formed by a mobile payment terminal 810, a forwarding server 830 equipped with a forwarding service, and a card issuing server 850, so as to implement issuing of a virtual user card and online and offline payment through interaction among the three. The mobile payment terminal 810 may be any terminal device with NFC function.
In the time sequence process shown in fig. 10, the user may apply for the card at the mobile payment terminal 810 carried by the user, that is, initiate an application for the virtual user card.
Before that, the user performs the relevant user identifier and payment password at the mobile payment terminal 810 to verify the user identity, so that the mobile payment terminal 810 currently has the authority to perform the online application of the virtual user card, and then jumps to enter the online application page of the virtual user card.
In the mobile payment terminal, the application information such as the name and the identification number input by the user is acquired from the online application page of the displayed virtual user card, and the mobile payment terminal 810 accordingly initiates a virtual user card application request to the transfer server 830, i.e., S930 to S940.
The forwarding server 830 checks the accuracy of the application information according to the received virtual user card application request, and initiates a pre-verification to the card issuing server 850, i.e., S950 and S960.
The card issuing server 850 checks whether the currently applied virtual user card is the second card or the nth card of the user cards held by the user, where n is any integer greater than 2, if so, executes S980 to perform the two-card user authentication, and if not, executes the timing process shown in fig. 11.
The user card held by the user as described above is a valid card held by the user.
The result value returned by the card-issuing server 850 is obtained through S980, that is, the mobile phone number of the user who reserves the card-issuing party is pre-stored, and the authentication page identifier is updated correspondingly, so as to return the authentication page identifier to the mobile payment terminal 810, and then the mobile payment terminal jumps into the corresponding short message verification page.
The transfer server 830 will call the short message verification code service to perform short message verification on the mobile payment terminal 810 through the mobile phone number.
Specifically, the transfer server 830 invokes the short message verification code service to send the short message verification code to the mobile payment terminal 810, and for the mobile payment terminal 810, the short message verification code is reported by a short message verification page, so that the transfer server 830 performs short message verification on the short message verification code, and reports application information to the card issuing server 850 after the verification is passed, that is, S1030 is performed.
The card issuing server 850 checks this to complete the corresponding card opening process, resulting in virtual user card information.
At this time, the fast payment subscription of the virtual user card and the identification process of the virtual user card identifier in S1050 and S1060 may be respectively performed, so as to facilitate the subsequent asynchronous binding process between the virtual user card and the user identifier in the transfer server 830, and the virtual user card may perform fast payment accordingly.
And the payment token obtained by payment identification processing in the virtual user card information is written into the mobile payment terminal 810 to realize the corresponding offline payment.
As shown in fig. 11, if the user does not hold the user card, the application of the virtual user card may be implemented by the video surface signatory in the mobile payment terminal, so as to obtain the corresponding virtual user card information.
Execution of S970 described in fig. 10 will proceed to the time sequence process described in fig. 11 to initiate a video facing.
The mobile payment terminal 810 executes S2000 to upload the identification card image, that is, the front and back photos of the identification card, and at this time, the forwarding server 830 encrypts and stores the image.
The mobile payment terminal 810 that finishes uploading the identity card image respectively receives the video recording start instruction, the face label action indication policy, the face label guide information such as the label and the authorized text sent by the switching server 830, and responds to the face label guide information to obtain the media data required by the video face label process, that is, the execution process between S2020 and S2110 is executed.
The media data is uploaded to the transit server 830, and the transit server 830 uploads the media data and the identification card image asynchronously through the interface with the public security department system 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.
After the application of the virtual user card is realized to obtain corresponding virtual user card information and the setting of quick payment and the writing of the payment token in the mobile payment terminal are completed, the user can use the virtual user card to carry out online payment and offline payment.
In which the on-line quick payment by the virtual user card is as shown in fig. 12.
For offline payment of the virtual user card, as shown in fig. 13, the merchant will input the amount of money to be paid at the POS and initiate a card swipe preparation, waiting for user action.
The user will bring the mobile payment terminal 810 close to the POS machine, interact through APDU commands to read the payment token, and send it to the card issuing server 850 through the card organization network.
The card issuing server 850 will recognize the payment token to process it, implement the deduction, and return the deduction result to the POS machine. The POS that received the deduction result will complete the payment.
In one embodiment, there is further provided an information processing system implementing a virtual user card, as shown in fig. 14, including a mobile payment terminal 20, where the mobile payment terminal 20 includes an application initiation module 210, an authentication identity receiving module 230, an authentication skip module 250, and a card information receiving module 270, where:
the application initiating module 210 is configured to obtain application information through an 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.
The authentication identifier receiving module 230 is configured to receive an authentication page identifier returned by the transfer service device, where the authentication page identifier is returned by the transfer service device according to whether the current application is a reapplication of the user card.
And the authentication skip module 250 is used for skipping the authentication of the virtual user card according to the authentication page identifier, wherein the authentication of the virtual user card application comprises two-card user authentication and video surface label.
And a card information receiving module 270 for receiving the virtual user card information issued according to the authentication passing result.
In one embodiment, as shown in fig. 15, the system as described above further includes a transit service apparatus 50, and the transit service apparatus 50 includes an application information extraction module 510, a card holding inquiry initiation module 530, and a result value receiving module 550, wherein:
an application information extracting module 510, configured to extract, from the virtual user card application request, application information corresponding to the virtual user card application.
The card holding query initiating module 530 is configured to forward application information corresponding to the virtual user card application to the card issuing server, so as to initiate a query whether the virtual user card application is a user card re-application.
And a result value receiving module 550, configured to receive a result value returned by the card issuing server, and update the authentication page identifier according to the result value.
As shown in fig. 16, in one embodiment, the system as described above further includes the card-issuing server 80, and the card-issuing server 80 includes a card-holding inquiry module 810 and a result-value issuing module 830, where:
the card holding inquiry module 810 is configured to determine whether the virtual user card application performed is a re-application of the user card according to the received application information, notify the result value issuing module 830 to return a result value corresponding to the two-card user authentication to the transit service apparatus 50 if the virtual user card application performed is the re-application of the user card, and notify the result value issuing module 830 to return a result value corresponding to the video surface tag to the transit service apparatus 50 if the virtual user card application performed is not the re-application of the user card.
Further, as shown in fig. 17, in an embodiment, the authentication skip module 250 includes an identity card uploading unit 251, a guidance receiving unit 253, a collecting unit 255, and a media data reporting unit 257, where:
the identity card uploading unit 251 is used for triggering authentication entering the application of the virtual user card according to the authentication page identifier, and acquiring and uploading an identity card image;
a guidance receiving unit 253 for receiving the label guidance information sent by the forwarding service device 50 and displaying the label guidance information on the authentication page;
the acquisition unit 255 is configured to acquire media data for a face-to-face behavior performed by a user through guidance performed by 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 transit service apparatus 50, so as to initiate authentication of the virtual user card claim to the transit service apparatus.
Further, as shown in fig. 18, in an embodiment, the transit service apparatus 50 includes a query matching initiating module 610 and a query reporting module 630, where:
and the query matching initiating module 610 is configured to initiate identity information query matching through the identity image and the media data to obtain a returned query identifier.
And a query reporting module 630, configured to report the query identifier and the application information to the card issuing server 80.
Further, as shown in fig. 19, in an embodiment, the card issuing server 80 further includes a score querying module 910, a card opening processing module 930, and a card information issuing module 950, where:
and a score query module 910, configured to obtain a face label score corresponding to the query identifier.
And a card opening processing module 930, configured to perform card opening processing on the virtual user card according to the face label score and the application information to obtain virtual user card information.
A card information issuing module 950, configured to issue virtual user card information.
In one embodiment, as shown in fig. 20, the transit service 50 further includes a mapping module. The mapping module is used for mapping the virtual user card identification in the virtual user card information to the corresponding user identification so as to obtain the mapping relation between the virtual user card identification and the user identification, and storing the mapping relation.
Further, in this embodiment, the transit service apparatus 50 as described above further includes a payment request processing module 710, an identification obtaining module 730, and a payment initiating module 750, where:
and the payment request processing module 710 is configured to receive a payment request initiated via the online payment page, and obtain the payment-specifying parameter and the user identifier according to the payment request.
The identifier obtaining module 730 is configured to obtain a virtual user card identifier corresponding to the user identifier according to the stored mapping relationship.
And a payment initiation module 750 for initiating payment according to the virtual user card identifier and the payment specified parameter.
In one embodiment, the card issuing server 80 further includes an identification processing module, which is 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 the payment token to the virtual user card information.
Further, in this embodiment, the mobile payment terminal 20 as described above further includes a writing module, where the writing module is configured to write the payment token in the virtual user card information into the SE security chip.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
While the present invention has been described with reference to several exemplary embodiments, it is understood that the terminology used is intended to be in the nature of words of description and illustration, rather than of limitation. As the present invention may be embodied in several forms without departing from the spirit or essential characteristics thereof, it should also be understood that the above-described embodiments are not limited by any of the details of the foregoing description, but rather should be construed broadly within its spirit and scope as defined in the appended claims, and therefore all changes and modifications that fall within the meets and bounds of the claims, or equivalences of such meets and bounds are therefore intended to be embraced by the appended claims.
Claims (15)
1. An information processing method for realizing a virtual user card is characterized by comprising the following steps:
the mobile payment terminal jumps to an online application page of the virtual user card by reporting the user identification and the payment password to the transfer service;
the mobile payment terminal acquires application information through the online application page and initiates a virtual user card application request to the transfer service according to the application information;
the mobile payment terminal receives an authentication page identifier returned by the transfer service, wherein the authentication page identifier is returned by the transfer service according to whether the currently-performed application is a reapplication of the user card;
the mobile payment terminal skips to enter authentication of the virtual user card according to the authentication page identifier, wherein the authentication of the virtual user card application comprises two-card user authentication and video surface sign;
the switching service sends the virtual user card information issued by the card issuing server according to the authentication passing result to the mobile payment terminal, and maps and stores the mapping relation between the virtual user card identification in the virtual user card information and the user identification;
the switching service receives and obtains a payment request which is initiated by the mobile payment terminal through an online payment page and contains the payment password, and obtains payment designated parameters and the user identification after responding to the payment request through the payment password;
the switching service obtains a virtual user card identifier corresponding to the user identifier according to the mapping relation;
the switching service initiates payment to the card issuing server according to the virtual user card identification and the payment designated parameter;
when the authentication of the virtual user card application is a video surface label, the mobile payment terminal jumps to enter the authentication of the virtual user card application according to the authentication page identifier, and the authentication comprises the following steps:
the mobile payment terminal triggers authentication for entering a virtual user card according to the authentication page identification, and acquires and uploads an identity card image;
the switching service sends the surface label guiding information to the mobile payment terminal;
the mobile payment terminal receives and obtains surface label guiding information sent by the switching service and displays the surface label guiding information on the authentication page, wherein the surface label guiding information comprises a surface label action indicating strategy used for guiding a user to act according to the indicating strategy and a label used for marking the action in media data;
the mobile payment terminal acquires the media data of the surface signing behavior performed by the user through guidance performed by the surface signing guidance information in the authentication page, and adds a corresponding label in the media data corresponding to each action to obtain the media data comprising action segments and the labels;
and the mobile payment terminal reports the media data to a transfer service so as to initiate authentication of virtual user card application to the transfer service.
2. The method according to claim 1, wherein before the step of the mobile payment terminal receiving the authentication page identifier returned by the transfer service, the method further comprises:
in the transfer service, the virtual user card application request extracts application information corresponding to virtual user card application;
the switching service forwards the application information corresponding to the virtual user card application to the card issuing server so as to initiate the inquiry whether the virtual user card application is a user card reapplication or not;
and the switching service receives the result value returned by the card issuing server and updates the authentication page identification according to the result value.
3. The method according to claim 2, wherein before the step of receiving the result value returned by the card issuing server and updating the authentication page identifier according to the result value, the method further comprises:
in the card issuing server, whether the virtual card application is the reapplication of the user card is judged according to the received application information, if so, a result value corresponding to the authentication of the two-card user is returned to the switching service, and if not, the result value is returned to the switching service
And the card issuing server returns a result value corresponding to the video surface signing to the switching service.
4. The method according to claim 1, wherein after the step of the mobile payment terminal jumping to enter the authentication claimed by the virtual user card according to the authentication page identifier, the method further comprises:
initiating identity information query matching through the identity card image and the media data in the transfer service to obtain a returned query identifier;
and the switching service reports the query identifier and the application information to a card issuing server.
5. The method of claim 4, wherein after the step of the forwarding service reporting the query identifier and the application information to a card issuing server, the method further comprises:
the switching service acquires the face label score corresponding to the query identifier through the card issuing server;
the switching service carries out card opening processing on the virtual user card according to the face label score and the application information to obtain the virtual user card information;
and the switching service transmits the virtual user card information to the mobile payment terminal.
6. The method as claimed in claim 5, wherein after the step of obtaining the virtual user card information by the forwarding service performing the card opening processing of the virtual user card according to the face-to-face score and the application information, the method further comprises:
and the switching service carries out payment identification processing on the virtual user card identification in the virtual user card information to obtain a payment token, and the payment token is added to the virtual user card information.
7. The method of claim 6, wherein the step of the forwarding service performing payment identification processing on the virtual user card identifier in the virtual user card information to obtain a payment token, and adding the payment token to the virtual user card information is followed by the method further comprising:
and the mobile payment terminal receiving the virtual user card information writes the payment token in the virtual user card information into an SE security chip.
8. An information processing system for realizing virtual user card is characterized in that the system comprises a mobile payment terminal, a switching service device and a card issuing server,
the mobile payment terminal includes:
the application page skipping module is used for skipping to enter an online application page of the virtual user card by reporting the user identification and the payment password to the switching service device;
the application initiating module is used for acquiring application information through the online application page and initiating a virtual user card application request to the switching service device according to the application information;
the authentication page identification receiving module is used for receiving an authentication page identification returned by the switching service device, wherein the authentication page identification is returned by the switching service device according to whether the current application is the reapplication of the user card;
the authentication skip module is used for skipping to enter the authentication claimed by the virtual user card according to the authentication page identifier, wherein the authentication claimed by the virtual user card comprises two-card user authentication and a video surface label;
the card information receiving module is used for receiving the virtual user card information issued according to the authentication passing result;
the authentication skip module comprises:
the identity card uploading unit is used for triggering authentication entering the application of the virtual user card according to the authentication page identifier, and acquiring and uploading an identity card image;
the system comprises a forwarding service device, a guiding receiving unit and an authentication page, wherein the forwarding service device is used for forwarding media data to a user, and the authentication page is used for receiving and displaying the forwarding service device and the forwarding service device;
the acquisition unit is used for acquiring the media data of the face-to-face sign behavior performed by the user through the guidance performed by the face-to-face sign guidance information in the authentication page, and adding a corresponding label in the media data corresponding to each action to obtain the media data comprising action segments and the labels;
a media data reporting unit, configured to report the media data to a transfer service device, so as to initiate authentication of a virtual user card claim to the transfer service device;
the transfer service device comprises:
the mapping module is used for sending the virtual user card information issued by the card issuing server according to the authentication passing result to the mobile payment terminal, and mapping and storing the mapping relation between the virtual user card identification in the virtual user card information and the user identification;
the payment request processing module is used for receiving and obtaining a payment request initiated by the mobile payment terminal through an online payment page, and obtaining a payment designated parameter and the user identification after responding to the payment request through the payment password;
the identification obtaining module is used for obtaining a virtual user card identification corresponding to the user identification according to the mapping relation;
the payment initiating module is used for initiating payment to a card issuing server according to the virtual user card identification and the payment designated parameter;
the card-issuing server comprises a card-holding inquiry module and a result value issuing module, wherein:
the card holding inquiry module is used for judging whether the virtual user card application is the reapplication of the user card according to the received application information, if so, the result value issuing module is informed to return a result value corresponding to the authentication of the two-card user to the switching service device, and if not, the result value issuing module is informed to return a result value corresponding to the video surface signing to the switching service device.
9. The system of claim 8, further comprising a transit service, the transit service comprising:
the application information extraction module is used for extracting application information corresponding to the virtual user card application from the virtual user card application request;
a card-holding inquiry initiating module, configured to forward the application information corresponding to the virtual user card application to a card issuing server, so as to initiate an inquiry whether the virtual user card application is a user card re-application;
and the result value receiving module is used for receiving the result value returned by the card issuing server and updating the authentication page identifier according to the result value.
10. The system of claim 8, wherein the transit service further comprises:
the query matching initiating module is used for initiating the query matching of the identity information through the identity card image and the media data so as to obtain a returned query identifier;
and the inquiry reporting module is used for reporting the inquiry identification and the application information to the card issuing server.
11. The system of claim 10, wherein the card issuing server further comprises:
the score query module is used for acquiring a face label score corresponding to the query identifier;
the card opening processing module is used for carrying out card opening processing on the virtual user card according to the face label grading and the application information to obtain the virtual user card information;
and the card information issuing module is used for issuing the virtual user card information.
12. The system of claim 11, wherein the card issuing server further comprises:
and the identification processing module is used for carrying out payment identification processing on the virtual user card identification in the virtual user card information to obtain a payment token, and adding the payment token to the virtual user card information.
13. The system of claim 12, wherein the mobile payment terminal further comprises:
and the writing module is used for writing the payment token in the virtual user card information into the SE security chip by the mobile payment terminal receiving the virtual user card information.
14. A mobile payment terminal for implementing information processing of a virtual user card, comprising:
a memory storing computer readable instructions;
a processor reading computer readable instructions stored by the memory to perform the method of any of claims 1-7.
15. A computer-readable storage medium having stored thereon computer-readable instructions which, when executed by a processor of a computer, cause the computer to perform the method of any one of claims 1-7.
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| PCT/CN2016/100176 WO2017054693A1 (en) | 2015-09-30 | 2016-09-26 | Information processing method and system for realizing virtual subscriber card, mobile payment terminal and storage medium |
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| CN108389126A (en) * | 2018-03-07 | 2018-08-10 | 深圳前海大数金融服务有限公司 | Mobile face label method, mobile face label system, terminal server and storage medium |
| CN111191198A (en) * | 2019-11-25 | 2020-05-22 | 京东数字科技控股有限公司 | Account information processing method and device, computer readable medium and electronic equipment |
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| CN101414370A (en) * | 2008-12-15 | 2009-04-22 | 阿里巴巴集团控股有限公司 | Payment method, system and payment platform capable of improving payment safety by virtual card |
| CN101483526A (en) * | 2009-01-06 | 2009-07-15 | 中国建设银行股份有限公司 | Method and system for card distribution through mobile terminal |
| CN101567104B (en) * | 2009-04-24 | 2013-06-26 | 黄一兵 | Purse card processing system based on bank card |
| CN102081780A (en) * | 2009-11-30 | 2011-06-01 | 中国平安保险(集团)股份有限公司 | Remote multifunctional automatic card issuing system and method based on video communication |
| US20120239417A1 (en) * | 2011-03-04 | 2012-09-20 | Pourfallah Stacy S | Healthcare wallet payment processing apparatuses, methods and systems |
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| CN104618415B (en) * | 2014-03-13 | 2018-06-19 | 腾讯科技（深圳）有限公司 | Credit accounts creation method, apparatus and system |
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| CN104820919B (en) * | 2015-04-20 | 2018-08-14 | 广东商联支付网络技术有限公司 | A kind of on-line off-line mobile payment service platform |
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| CN1619560A (en) * | 2004-12-09 | 2005-05-25 | 中国工商银行 | Card data business system used for payment on net and its method |
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