Mobile payment system and method based on bank virtual card number

A virtual card number and mobile payment technology, which is applied in the field of mobile payment systems based on bank virtual card numbers, can solve the problems of narrow use of third-party payment accounts, incompatibility with third-party payment accounts, and user fund security risks.

Inactive Publication Date: 2015-04-08
SHANGHAI HAUKIT INFORMATION TECH CO LTD
View PDF0 Cites 28 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, with the prevalence of hackers and phishing websites, the existing remote payment and short-distance payment have relatively large security risks, especially the leakage of bank card numbers and third-party payment accounts, which will bring great security risks to user funds
[0005] Moreover, both Apple Pay and QuickPass only support their ow

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Mobile payment system and method based on bank virtual card number
  • Mobile payment system and method based on bank virtual card number
  • Mobile payment system and method based on bank virtual card number

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0118] The present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments. This embodiment is carried out on the premise of the technical solution of the present invention, and detailed implementation and specific operation process are given, but the protection scope of the present invention is not limited to the following embodiments.

[0119] like figure 1 As shown, a mobile payment system based on a bank's virtual card number includes a payment device 1, a card issuing bank server 2, a third-party payment server 3, POS4, an acquiring bank server 5, a card organization server 6, a merchant server 7 and a BVA SP server 8, Payment device 1 is respectively connected to POS4, card issuing bank server 2, merchant server 7 and BVA SP server 8, POS4 is connected to acquiring bank server 5, acquiring bank server 5 is connected to card organization server 6, card organization server 6 is connected to card issuing bank server...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention relates to a mobile payment system based on a bank virtual card number. The mobile payment system based on the bank virtual card number comprises a payment device, a card issuing bank server, a third party payment server, a POS (machine point of sale machine), an acquiring bank server, a card organization server, a commercial tenant server and a BVA SP server, wherein the payment device generates the bank virtual card number used as a primary account number of a payment request or a transfer request, a payment request is sent to the card issuing bank server through transfer transmission of the POS, the acquiring bank server and the card organization server or a transfer request is sent to the card issuing bank server through transfer transmission of the BVA SP server, the card issuing bank server completes transfer or payment, and when the payment device uses a third party payment server for the payment, the card issuing bank server is communicated with the third party payment server through the transfer transmission of the BVA SP server, and completes the payment or the transfer after the payment request or the transfer request is verified. Compared with the prior art, the mobile payment system based on the bank virtual card number has the advantages of improving mobile payment safety, being strong in compatibility, facilitating operation of a user and the like.

Description

technical field [0001] The invention relates to a mobile payment system and method, in particular to a mobile payment system and method based on bank virtual card numbers. Background technique [0002] Existing mobile payment methods are divided into remote payment and short-distance payment in terms of payment scenarios. The remote payment that users currently use mainly includes account balance payment or bank card number payment provided by Alipay, UnionPay and other third-party payment companies. Near-distance payment mainly includes UnionPay’s Point Of Sale (POS) contact card swiping, contactless Quick Pass, Alipay’s code scanning payment and sound wave payment and other payment methods. [0003] Compared with the relatively stable long-distance payment, the current near-field mobile payment is developing very rapidly, especially the Apple Pay function released by Apple in September 2014, and the number of users exceeded 3 million in just over two months after its relea...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q20/32G06Q20/20G06Q20/02G06Q20/38
CPCG06Q20/02G06Q20/202G06Q20/3221G06Q20/382
Inventor 许逸宁欧如锋胡炜
Owner SHANGHAI HAUKIT INFORMATION TECH CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap