Activation method and system of payment account

Abstract

The invention discloses an activation method and system of a payment account. The activation method of the payment account comprises the steps that based on operation information of a user, terminal equipment submits a binding request to a cloud server; wherein the binding request carries identification information, the payment account and authentication information of the user, bank account and codes corresponding to the payment account, and identification data of the terminal equipment; after the binding request is received, the cloud server calls a binding interface, and the binding request is submitted to a payment server; the payment server conducts authentication on the binding request, after the authentication is passed, binding relations between the payment account and the bank account, and between the identification data of the terminal equipment are built, and a binding result is returned to the cloud server; and the cloud server returns the binding result to the terminal equipment so as to complete activation of the payment account. The activation method can ensure that the payment account can be rapidly, conveniently and safety activated.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to a payment account activation method and system. Background technique [0002] At present, it is more and more common to make payments and transfers through banks. Banks read passbooks or magnetic stripe cards through commercial cash registers (POS, Point Of Sales), automatic teller machines (ATM, Auto Teller Machine) or at the counter. With the popularity of telephone banking and online banking, banks have also begun to read bank account information through telephone and the Internet. [0003] In the above way, the information including the real information of the payer's bank account is transmitted directly to the bank. In some cases, the customer of the bank, that is, the payer does not want to directly provide real account information, such as worrying about the leakage of real account information; in other cases, providing real account information will bring incon...

AI Technical Summary

Problems solved by technology

However, there are relatively big troubles in confirming the user's identity and verifying the bank account. If the user is asked to go to the bank counter, the activation rate (activation rate) may be too low because of the inconvenience of activation, and it is generally impossible to set up enough bank accounts. Business outlets; if the user's payment account is not activated through the bank counter or business outlets, it is difficult to ensure security issues

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