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A method and device for issuing cards in the air

A card-issuing and card-issuing technology, applied in the field of communications, which can solve the problems of long time, complicated process, and many user operation steps for over-the-air card issuance.

Active Publication Date: 2020-09-08
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The above-mentioned over-the-air card issuance business takes a long time, the process is too complicated, and the user needs to perform more operation steps

Method used

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  • A method and device for issuing cards in the air
  • A method and device for issuing cards in the air
  • A method and device for issuing cards in the air

Examples

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Embodiment Construction

[0076] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments . Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0077] Such as figure 1 As shown, a system architecture applicable to the embodiment of the present invention includes a terminal 101 , a TSM server 102 , and a card issuer server 103 . Wherein, the TSM server 102 is located on the UnionPay TSM platform, and the card issuer server 103 is located in the background of the card issuing bank. The terminal 101 has a built-in security chip, which can provide NFC (Near Field Communication, short...

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PUM

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Abstract

Provided are an over-the-air card issuing method and apparatus. The method comprises: a terminal requesting, according to a first card issuing application, acquisition of verification information from a trusted service management (TSM) platform, wherein the first card issuing application is received by a card issuer client arranged on the terminal, and the verification information comprises a verification code and a transmission public key; the terminal using the transmission public key to encrypt the verification code and user information to obtain a second card issuing application; the terminal sending the second card issuing application to the TSM platform, wherein the second card issuing application is used for enabling the TSM platform to use a transmission private key corresponding to the transmission public key to decrypt the second card issuing application, and then to send, after the verification is passed, the user information to a card issuer back-end, and the user information is used for enabling the card issuer back-end to carry out verification and to feed back personalization data after the verification is passed; and the terminal setting, according to the received personalization data, the state of a card as an activated state. It can be seen that the method can simplify the operating process of over-the-air card issuing, thus shortening the time for the whole over-the-air card issuing.

Description

technical field [0001] The invention relates to the technical field of communications, in particular to an air card issuing method and device. Background technique [0002] UnionPay TSM (Trusted Service Management) is a complete set of "over-the-air card issuance" and application management system based on the "one card with multiple applications" technology. Through the TSM platform, card issuers can securely and efficiently collect the information of multiple financial smart cards on mobile phones or IC cards, which is not only convenient for users to carry and use, but also convenient for their own card issuance and management. TSM is an innovative mobile payment field. The traditional TSM air card issuance process is based on the carrier partner client, which is initiated by the carrier partner client and completed on the carrier partner client interface. Communication operators, mobile phone manufacturers And Bluetooth wearable device manufacturers are called carrier p...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02H04L9/08H04L29/06
CPCG06Q40/02H04L9/0877H04L63/18
Inventor 陈成超冀乃庚傅宜生田丰
Owner CHINA UNIONPAY