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

Active Publication Date: 2020-12-04
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

[0040] figure 2 A structural diagram of the user terminal 20 provided in the first embodiment of the present invention. Such as figure 2 As shown, the user terminal 20 includes a first password sending unit 200 , an application card information sending unit 201 , a verification information sending unit 202 , and a mark writing unit 203 .

[0041] 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.

[0042] 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 When it is judged that the user is not the first card user, the reserved c...

no. 2 example

[0050] image 3 A structural diagram of a user terminal 30 provided in the second embodiment of the present invention. Such as image 3 As shown, the user terminal 30 includes an instruction policy receiving unit 304 , a prompting unit 305 , a photo sending unit 306 , and an intercepting unit 307 .

[0051] The instruction strategy receiving unit 304 is used to receive the instruction strategy of uploading front and back photos of the ID card sent by the verification server when the card issuer server determines that the user is the first card user.

[0052] Wherein, the first card user may be, but not limited to, a user who has not successfully applied for a virtual card in a card issuing bank.

[0053] The prompting unit 305 is configured to prompt input of the front and back photos of the ID card according to the received instruction policy of uploading the front and back photos of the ID card.

[0054] The photo sending unit 306 is used for sending the input front and b...

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. Such as 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 th...

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Abstract

The invention relates to a method for realizing online virtual card application. The method comprises steps that a verification server is utilized to verify a cipher; a reserved communication number is sent to the verification server when a user is determined by a card issuing mechanism server to be a non first card user, and the verification server is made to sent the verification information to the reserved communication number; after the verification information inputted by the user is verified by the verification server, and the card issuing mechanism server is made to carry out preposition verification for the information of an application card, a card code name is acquired, the card code name after rapid contract signing and marking processing on a main card number is sent to the verification server, rapid card binding service is called by the verification server to carry out rapid card binding service, and a mark of the main card number is inputted to a safety chip after the card code name and the mark of the main card number are sent to a user terminal. The invention further provides the user terminal and a system for realizing online virtual card application. The method, the user terminal and the system are advantaged in that higher convenience and rapidness are realized.

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): H04L29/06G06Q20/34G06Q20/40
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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