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A method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online

A technology of user terminal and virtual card, applied in the transmission system, payment system, data processing application, etc., can solve the problems of high cost, long time, high psychological threshold, etc., and achieve the effect of high convenience and speed

Active Publication Date: 2020-08-25
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Currently issuing virtual cards, the card issuer generally requires the applicant to bring the original ID card to the counter for processing, and requires the user to sign in person. After the card issuer checks, the corresponding physical virtual card needs to be produced. The whole process is costly and time-consuming. long
[0003] The solution of the existing technology is to require the user to bind a physical card that has been signed offline to help verify the identity. Although this solution is simpler than requiring the user to sign at the counter, it also requires the user to have a physical card and be willing to Giving these key card information to a third party has a relatively high threshold for users to use

Method used

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  • A method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online
  • A method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online
  • A method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online

Examples

Experimental program
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Effect test

no. 1 example

[0039] figure 2 A structural diagram of the user terminal 20 provided in the first embodiment of the present invention. like figure 2 As shown, the user terminal 20 includes a first password sending unit 200 , an application card information sending unit 201 , an instruction strategy receiving unit 202 , a prompting unit 203 , a photo sending unit 204 , and an intercepting unit 205 .

[0040] Wherein, the first password sending unit 200 is configured to receive the password of the account, and send the password to the verification server, so that the verification server can verify the password.

[0041] The application card information sending unit 201 is used to send the information of the received application card to the server of the card issuer after verification by the verification server. The information of the application card includes at least any one of the user name and the identification code, so that the server of the card issuer can Determine whether the user ...

no. 2 example

[0053] image 3 A structural diagram of a user terminal 30 provided in the second embodiment of the present invention. like image 3 As shown, the user terminal 30 also includes a verification information sending unit 306 and a mark writing unit 307 .

[0054] The verification information sending unit 306 is used to receive the verification information that the verification server sends to the reserved communication number when the server of the card issuer determines that the user is not the first card user, and sends the reserved communication number to the verification server, and sends the user The input verification information is sent to the verification server, so that the verification server sends the information of the application card to the server of the card issuer after verifying the verification information, so that the server of the card issuer can pre-verify the information of the application card , obtain the card code number and carry out quick signing and ...

no. 3 example

[0060] Figure 4 A structural diagram of a user terminal provided by the third embodiment of the present invention. The user terminal can also be used to realize fast online payment of the virtual card. like Figure 4 As shown, the user terminal 40 includes an order placing unit 408 , an order identification number receiving unit 409 , a second password sending unit 410 , and a payment result display unit 411 .

[0061] The order placing unit 408 is configured to place an order on the verification server when payment operation information is received.

[0062] The order identification number receiving unit 409 is configured to receive the order identification number sent by the verification server.

[0063] The second password sending unit 410 is used to send the password of the account obtained and the order identification number to the verification server, so that the verification server finds out the corresponding card code number and agreement number after verifying the...

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Abstract

The invention relates to an online virtual card application method, which comprises the steps that verification is performed on a password; a verification server sends an instruction strategy of uploading pictures of the front and the back of an identity card when a card issuing mechanism server judges a user is a first card user; the acquired pictures of the front and the back of the identity card to the verification server; a public security ministry system performs matching degree scoring on pictures captured when the user performs corresponding operations, the pictures of the front and the back of the identity card and information of an application card; the card issuing mechanism server performs preposed verification on the information of the application card and reversely checks the matching degree score through an identity number for future reference, then acquires a card code, performs quick contract signing and tokenized processing of a main card number, and sends the card code and the tokenized main card number to the verification server; and the card code and a token of the main card number which are sent by the verification server are received, and the token is written into a security chip. The invention further provides a user terminal and an online virtual card application system. The online virtual card application method, the user terminal and the online virtual card application system have high convenience and high quickness.

Description

technical field [0001] The invention relates to the technical field of computer communication, in particular to a method for applying for a virtual card online, a user terminal, and a system for applying for a virtual card online. Background technique [0002] Currently issuing virtual cards, the card issuer generally requires the applicant to bring the original ID card to the counter for processing, and requires the user to sign in person. After the card issuer checks, the corresponding physical virtual card needs to be produced. The whole process is costly and time-consuming. long. [0003] The solution of the existing technology is to require the user to bind a physical card that has been signed offline to help verify the identity. Although this solution is simpler than requiring the user to sign at the counter, it also requires the user to have a physical card and be willing to Giving these key card information to a third party has a relatively high threshold for users ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L29/06G06Q20/40G06Q20/34
CPCG06Q20/351G06Q20/4093H04L63/08
Inventor 郭懿心韦德志杨耿彬郑伟涛吴文勤
Owner TENCENT TECH (SHENZHEN) CO LTD
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