Electronic bank card system and application method thereof as well as electronic method of bank card

Abstract

The invention relates to an electronic bank card system and an application method thereof. The electronic bank card system consists of four parts, namely a terminal, an application server, a bank system and transaction facility; component equipment interacts data through a network; the electronic bank card system provides the functions of bank card information electronization and electronic bank card transaction application. According to the electronic bank card system and the application method thereof disclosed by the invention, on the premise that the use safety of bank cards is guaranteed, original transaction function and consumption function of entity bank cards are retained, and the entity bank cards are virtualized into electronic bank cards based on mobile terminal equipment, so that the portability and the use convenience of the bank cards are improved; the use safety of the electronic bank cards is guaranteed by two-dimensional code card numbers, which are correlated with the specified mobile terminal equipment and has randomness, instantaneity and uniqueness, of the bank cards and an update mechanism of the two-dimensional code card numbers, so that the condition that the electronic bank cards are embezzled by screenshot, photograph, figure theft and other modes is effectively prevented.

Description

technical field [0001] The invention relates to a system for virtualizing a physical bank card into an electronic bank card, an application method of the system, and an electronic bank card method. Background technique [0002] Everyday people carry multiple physical bank cards for consumption, and merchants install POS machines and other card swiping tools to collect money in order to match the consumption habits of the public. However, with the intensification of inter-bank competition and the increasing demand for financial management of the public, people need to manage and carry more and more bank cards such as savings cards and credit cards, which increases the difficulty of keeping bank cards and easily leads to damage and loss of bank cards. Card portability. [0003] With the continuous promotion of mobile Internet technology and its related applications, smart mobile terminal equipment has been integrated into people's daily life and has become an indispensable pa...

AI Technical Summary

Problems solved by technology

Using ordinary encryption mechanisms to encrypt bank card numbers to generate corresponding barcodes or QR codes to replace plaintext bank card numbers will lead to theft of bank cards by taking screenshots, taking pictures or stealing pictures, etc.

Such methods will not be able to meet people's security requirements for the use of electronic bank cards

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