Mobile payment system and method based on bank virtual card number

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...

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 own standard user identification. For example, QuickPass only supports 16-19-digit bank card numbers that meet the requirements of UnionPay, and cannot be compatible with third-party payment accounts of non-bank systems, causing third-party The payment account can be used in a very narrow range and cannot be widely used in the field of short-distance payment

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