Credit voucher generating method and system, and application authorization method and system

A technology for generating systems and credits, applied in the field of data processing, which can solve problems such as troublesome, cumbersome, and waste of manpower and material resources of the issuer

Active Publication Date: 2014-06-11
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The lack of a credit sharing mechanism for cardholders throughout the process has resulted in cardholders frequently traveling to various issuers and the qualification certification procedures are cumbersome, which seriously consumes the manpower and material resources of the issuer, and at the same time reduces the user's mobile payment experience
[0003] Usually, in order to apply for a mobile payment service, users need to apply for it offline, which is very troublesome
Secondly, the basic user information filled in by the user to a...

Method used

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  • Credit voucher generating method and system, and application authorization method and system
  • Credit voucher generating method and system, and application authorization method and system
  • Credit voucher generating method and system, and application authorization method and system

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Embodiment Construction

[0084] Preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings, in which the same reference numerals denote the same elements.

[0085] In the present invention, the terms "first" and "second" are only used to distinguish two elements, the first element can also be called the first element, and the second element can also be called the first element.

[0086] figure 1 It is a schematic structural diagram of a credit voucher generation system according to an embodiment of the present invention. figure 2 It is a schematic flow chart of the method for generating credit vouchers according to the present invention.

[0087] like figure 1 As shown, the credit voucher generation system includes a CA authentication server 1 , a credit voucher server 2 , at least one financial institution server 31 - 3N, and a terminal 4 and a financial smart card 5 including a credit voucher application 50 . The smart card 5 also...

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Abstract

The invention provides a credit voucher generating method and system, and an application authorization method and system. The credit voucher generating method includes the following steps that S100, a CA authentication server generates authentication certificates required by other entities and sends the authentication certificates to the corresponding entities; S110, identity information of a cardholder who holds a financial smart card is sent to a first financial institution server; S120, the first financial institution server generates a credit voucher generation request message and sends the credit voucher generation request message to a credit voucher server; S130, the credit voucher server generates a credit voucher and sends the credit voucher to the first financial institution server; S140, the first financial institution server forwards the credit voucher to the financial smart card through a terminal; S150, the identity information of the cardholder is analyzed according to the credit voucher of the financial smart card and stored. According to the credit voucher generating method, the financial smart card serves as a carrier for the credit voucher, and the credit voucher is safely shared among all financial institution servers by introducing the CA mechanism.

Description

technical field [0001] The present invention relates to the field of data processing, in particular to a method and system for generating a credit certificate, an application authorization method and system thereof. Background technique [0002] In recent years, mobile payment supporting one card with multiple accounts has become one of the hottest topics in the field of e-commerce. There will be applications issued by different issuers in the smart card chip at the same time, such as the debit application of multiple banks. At present, the issuance of the application on the card requires the cardholder to obtain the qualification certification license of the corresponding issuer through offline methods, and then download it to the smart card through the "over-the-air OTA method". The lack of a credit sharing mechanism for cardholders throughout the process has resulted in cardholders frequently traveling to various issuers and the qualification certification procedures are...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/3572G06Q20/3829G06Q20/4014
Inventor 郑建宾何朔周钰严翔翔彭敏
Owner CHINA UNIONPAY
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