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Bank virtual card number based mobile payment system and method

A technology of virtual card number and mobile payment, which is applied in the field of mobile payment system based on bank virtual card number, and can solve problems such as inability to be widely used in the field of short-distance payment, incompatibility with third-party payment accounts, user fund security risks, etc.

Active Publication Date: 2015-06-10
上海太炎信息科技有限公司
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  • 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, whether it is the emerging NFC or the traditional magnetic stripe and IC, they only support their own standard user identification marks. For example, POS in China only supports 16-19-digit bank card numbers that meet the requirements of UnionPay, and cannot be compatible with third parties in the non-bank system. Payment account, resulting in a very narrow range of third-party payment accounts, which cannot be widely used in the field of short-distance payment

Method used

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  • Bank virtual card number based mobile payment system and method
  • Bank virtual card number based mobile payment system and method
  • Bank virtual card number based mobile payment system and method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0121] 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 2, and card issuing bank The server 2 is connected to the BVA SP server 8, and the BVA SP server 8 is connected to the third-party payment server 3 and the merchant server 7 respectively. Among them, the payment device 1 includes but is not limited to multi-purpose cards, mobile phones, tablet computers, smart watches and smart bracelets and other electronic terminal devices that can be carried a...

Embodiment 2

[0232] The difference between this embodiment and Embodiment 1 is that the Bank of Communications server is used as the card issuing bank server 2, wherein the encryption and decryption process of the bank's real card number and the bank's virtual card number is:

[0233] The 19-digit real card number of the Bank of Communications is 6222 6001 1234 5678 909, of which:

[0234] 622260 is a BIN field, denoted as B;

[0235] 0 is the identification code field, denoted as S;

[0236] 11 is a fixed value field, denoted as G;

[0237] 234567890 is the customer serial number field, denoted as L;

[0238] 9 is a check code field, denoted as J.

[0239] Payment device 1 encryption steps include:

[0240] A: Payment device 1 obtains the X (02) used this time, and then arranges L and X in order, and T 1 Encrypt to generate encrypted customer serial number 0987654321, which is L';

[0241] B: G is discarded when encrypting according to the Bank of Communications setting (the G field s...

Embodiment 3

[0248] The difference between this embodiment and Embodiment 1 is that the Guangfa Bank server is used as the card issuing bank server 2, wherein the encryption and decryption process of the bank's real card number and the bank's virtual card number is:

[0249] The 19-digit real card number of China Guangfa Bank is 6225 6812 2212 3456 785, of which:

[0250] 622568 is the BIN field, denoted as B, and China Guangfa Bank sets this BIN as supporting bank virtual card number, so the identification code S is not needed;

[0251] 1222 is a fixed value field, denoted as G;

[0252] 12345678 is the customer serial number field, denoted as L;

[0253] 5 is a check code field, denoted as J.

[0254] Payment device 1 encryption steps include:

[0255] A: Payment device 1 obtains X used this time (X=03), then arranges L and X in order, and uses T 1 Encrypt to generate encrypted customer serial number 0987654321, which is L';

[0256] B: G is discarded when encrypting according to th...

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Abstract

The invention relates to a bank virtual card number based mobile payment system and method. The system comprises a payment device, an issuing bank server, a third-party payment server, a POS, an acquiring bank server, a card organization server, a merchant server and a BVA SP server; the payment device is used for generating a bank virtual card number used as a main account of a payment requirement or a transfer request; the payment request is transferred and transmitted through the POS, the acquiring bank server and the card organization server, or the transfer request is sent to the issuing bank server through the BVA SP server; the issuing bank server can perform the payment or transfer; when the payment device pays or transfers through the third-party payment account, the issuing card server communicates with the third-party payment server through the BVA SP server, and then the payment or transfer can be done after verifying the payment request or the transfer request. Compared with the prior art, the system has the advantages of improving the mobile payment security, being high in compatibility, and facilitating a user to operate.

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 where the payment device is not at the payment site and short-range payment where the payment device is at the payment site in terms of payment scenarios. The remote payment that users currently use mainly includes Alipay, UnionPay and other third-party payments. The company provides account balance payment or bank card number payment and other payment methods. The short-distance payment mainly includes the traditional point of sale (POS) magnetic stripe, contact IC, contactless Quick Pass (Quick Pass), Alipay's scan Payment methods such as code payment and sound wave payment. [0003] Compared with the relatively stable long-distance payment, short-distance payment is developing very rapidly at present, especial...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/20G06Q20/02G06Q20/38
CPCG06Q20/02G06Q20/202G06Q20/3221G06Q20/382
Inventor 许逸宁欧如锋胡炜
Owner 上海太炎信息科技有限公司
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