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

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...

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 apply for the mobile payment service is basically the same, and repeated filling reduces the user-friendliness experience

Third, in order to experience the mobile payment services of different issuers, users need to apply for and activate the business separately offline, which restricts the development of the "one card with multiple accounts" mobile payment model

In addition, there is a lack of an effective mechanism for sharing basic user information among different issuers, resulting in a waste of manpower and material resources for issuers

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