Payment account activation method and system

Abstract

A method and system for activating a payment account, the method for activating a payment account includes: a terminal device submits a binding request to a cloud server based on user operation information; wherein, the binding request carries the user's identity information, payment Account number and verification information, bank account number corresponding to the payment account number and its password, identity data of the terminal device; after receiving the binding request, the cloud server invokes the binding interface to bind the binding The request is submitted to the payment server; the payment server verifies the binding request, establishes the binding relationship between the payment account number, the bank account number, and the identity data of the terminal device after the verification is passed, and sends The cloud server returns a binding result; the cloud server returns the binding result to the terminal device to complete the activation of the payment account. The technical solution can ensure convenient and safe activation of the payment account.

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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