A virtual card generation and management method, device, electronic device and readable storage medium

Abstract

The present invention relates to the field of financial technology, and specifically to a virtual card generation and management method, device, electronic device and computer-readable storage medium. The method comprises: determining the type of virtual card to be generated; according to the type of virtual card to be generated, obtaining virtual card generation information from a target system matching the type; wherein different types of virtual cards to be generated correspond to different systems; and generating the virtual card according to the virtual card generation information. The technical solution disclosed in the present application solves the problem that physical information cards are easily lost and damaged, reduces the card investment and management costs of information card management companies, and improves the flexibility of information card use and user experience.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a method, device, electronic device and readable storage medium for generating and managing a virtual card. Background Art

[0002] The information storage media issued by various institutions to users are mostly physical cards, such as physical bank cards, ID cards, water cards, electricity cards, etc. However, physical cards are easy to copy and lose, and the issuance and management costs are high. With the rapid development of the e-commerce market and communication technology, non-face-to-face cardless payment methods and electronic cards are becoming more and more popular due to their convenience and speed. Therefore, virtual cards and electronic cards have gradually become a trend. Summary of the invention

[0003] The purpose of this application is to solve at least one of the above technical defects. The technical solution adopted by this application is as follows:

[0004] In a first aspect, an embodiment of the present application discloses a method for generating a virtual card, which is applied to a smart terminal. The method includes:

[0005] Determine the type of virtual card to be generated;

[0006] According to the type of the virtual card to be generated, acquiring virtual card generation information from a target system matching the type; wherein different types of the virtual card to be generated correspond to different systems;

[0007] The virtual card is generated according to the virtual card generation information.

[0008] Optionally, the types of the virtual card include: bank card, identity card or passbook.

[0009] Optionally, when the virtual card type is a bank card, acquiring virtual card generation information from a target system matching the type includes:

[0010] The card making file uploaded by the user is obtained from the bank management system of the virtual card to be generated.

[0011] In a second aspect, an embodiment of the present application discloses a virtual card management method, which is applied to a smart terminal, and the method includes:

[0012] receiving a user's request for managing the virtual card;

[0013] Verifying the identity information and / or authority information of the user;

[0014] According to the identity information and / or authority information of the user, the driving process executes the management request of the user for the virtual card.

[0015] Optionally, the management request includes but is not limited to:

[0016] Virtual card information query, virtual card editing, virtual card information reading and writing; wherein the virtual card editing includes: virtual card creation or virtual card deletion.

[0017] Optionally, the method further comprises:

[0018] Receive a call request for a virtual card interface device; wherein the virtual card interface device is used to assist the virtual card in establishing a communication connection with the virtual card management system;

[0019] A communication connection is established with the interface device.

[0020] Optionally, the virtual card interface device includes: a physical interface device and a virtual interface device; wherein the physical interface device includes an IC card reader / writer and / or a magnetic stripe card reader / writer.

[0021] Optionally, when the interface device is an IC card reader, establishing a communication connection between the virtual card and the interface device includes:

[0022] The intelligent terminal storing the virtual card includes a radio frequency interface;

[0023] The radio frequency interface of the intelligent terminal establishes a communication connection with the IC card reader;

[0024] The virtual card establishes a communication connection with the IC card reader.

[0025] Optionally, when the interface device is a magnetic stripe card reader, establishing a communication connection between the virtual card and the interface device includes:

[0026] The intelligent terminal storing the virtual card includes an electromagnetic coil;

[0027] The electromagnetic coil of the smart terminal establishes a communication connection with the magnetic stripe card reader;

[0028] The virtual card establishes a communication connection with the magnetic stripe card reader.

[0029] Optionally, when the interface device is a virtual interface device, the virtual card establishing a communication connection with the interface device includes:

[0030] The virtual card management module calls the virtual interface device stored internally; or,

[0031] The first terminal storing the virtual card establishes a communication connection with the second terminal storing the virtual interface device;

[0032] The virtual card establishes a communication connection with the virtual interface device via a communication link between the first terminal and the second terminal.

[0033] In a third aspect, an embodiment of the present application provides a virtual card generation device, which is applied to a smart terminal, and includes: a determination module, an interface module and a generation module; wherein:

[0034] The determination module is used to determine the type of the virtual card to be generated;

[0035] The interface module is used to obtain virtual card generation information from a target system matching the type of the virtual card to be generated according to the type of the virtual card to be generated; wherein different types of the virtual card to be generated correspond to different systems;

[0036] The generating module is used to generate the virtual card according to the virtual card generating information.

[0037] In a fourth aspect, an embodiment of the present application provides a virtual card management device, which is applied to a smart terminal and includes: an interface module, a verification module and an execution module, wherein:

[0038] The interface module is used to receive a user's request for managing the virtual card;

[0039] The verification module is used to verify the identity information and / or authority information of the user;

[0040] The execution module is used to drive a process to execute the user's management request for the virtual card according to the user's identity information and / or permission information.

[0041] Optionally, the device further comprises a communication module, wherein:

[0042] The interface module is used to receive a call request to a virtual card interface device; wherein the virtual card interface device is used to assist the virtual card in establishing a communication connection with the virtual card management system;

[0043] The communication module is used to establish a communication connection between the virtual card and the interface device.

[0044] In a fifth aspect, an embodiment of the present application provides an electronic device, including a processor and a memory;

[0045] The memory is used to store operation instructions;

[0046] The processor is used to execute the method described in any of the above embodiments by calling the operation instruction.

[0047] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the method described in any of the above embodiments is implemented.

[0048] The embodiments of the present application provide a virtual card generation and management solution, provide a solution for virtualizing the physical information cards in the prior art, and provide a management solution for virtual cards. The beneficial effects of the solutions are that the current problem of physical information cards being easily lost or damaged is solved, the card investment cost and management cost of information card management companies are reduced, and the flexibility of information card use and user experience are improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in describing the embodiments of the present application are briefly introduced below.

[0050] Figure 1 A flowchart of a method for generating a virtual card provided in an embodiment of the present application;

[0051] Figure 2 A flowchart of a virtual card management method provided in an embodiment of the present application;

[0052] Figure 3 A schematic diagram of a virtual card generating device provided in an embodiment of the present application;

[0053] Figure 4 A schematic diagram of a virtual card management device provided in an embodiment of the present application;

[0054] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0055] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present invention.

[0056] Those skilled in the art can understand that, unless otherwise stated, the singular forms "one", "an", "said" and "the" used herein may also include plural forms, and the "first", "second", etc., are only used to distinguish and define objects for the purpose of introducing the scheme clearly, and do not limit the objects themselves. Of course, the objects defined by "first" and "second" may be the same terminal, device, user, etc., or the same type of terminal, device and user. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0057] In addition, it should be understood that in the embodiments of the present application, "at least one" refers to one or more, and "plurality" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single items or plural items. For example, at least one of a, b or c can represent: a, b, c, a and b, a and c, b and c, or a, b and c, where a, b, c can be single or multiple.

[0058] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0059] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0060] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0061] As introduced in the background technology, currently available information cards are mostly physical, and there are also some electronic virtual cards, but there are problems such as complex management and complex calls to card interface devices. Based on this, the following embodiments of the present invention provide a virtual card generation and management method to solve at least one of the above-mentioned defects.

[0062] In order to more clearly introduce the technical solution of the present application, some concepts, terms or systems that may be involved in the following embodiments are introduced below to help understand the virtual card generation solution disclosed in the present application:

[0063] Information card interface device: specifically refers to terminal devices such as magnetic stripe card readers, IC card readers, and second-generation ID card readers. In reality, these devices need to read real media such as bank cards, passbooks, and ID cards to obtain account information or ID card information to complete customer transactions.

[0064] Medium: refers to physical objects that can prove, record and verify account contents, such as debit cards, time deposit certificates, current passbooks, ID cards and other physical objects.

[0065] SOA: (service-oriented architecture): Service-oriented architecture is a component model that connects different functional units of an application (called services) through well-defined interfaces and contracts between these services. The interface is defined in a neutral way and should be independent of the hardware platform, operating system, and programming language that implements the service. This allows services built in various such systems to interact in a unified and universal way.

[0066] IC card: (Intelligent card) Integrated circuit card, also known as smart card, smart card, microcircuit card or microchip card. It is a card made by embedding a microelectronic chip in a card base that meets the ISO7816 standard. The communication method between the IC card and the reader can be contact or contactless. According to the communication interface, IC cards are divided into contact IC cards, contactless IC cards and dual-interface cards. The reading and writing of data recorded in the IC card require corresponding password authentication, and even each area in the card has different password protection to fully protect data security.

[0067] ARQC: (Authorization request cryptogram), authorization request message, IC card generates application cryptogram for online transaction processing. The issuing bank verifies the validity of the card in the current transaction by verifying ARQC during the online card authentication process.

[0068] PBOC: (The People's Bank of China), People's Bank of China, referred to as the central bank, is the central bank of the People's Republic of China.

[0069] PBOC2.0: It is the abbreviation of the second-generation financial IC card specification issued by the central bank. The use of financial IC cards can effectively solve the risks of counterfeit cards and offline transaction security when using magnetic stripe cards.

[0070] Figure 1 A schematic diagram of a virtual card generation process provided by an embodiment of the present application is shown. Figure 1 As shown, the method may mainly include:

[0071] S101. Determine the type of the virtual card to be generated; optionally, the type of the virtual card includes: a bank card, an identity card or a passbook.

[0072] S102: acquiring virtual card generation information from a target system matching the type of the virtual card to be generated, according to the type of the virtual card to be generated; wherein different types of the virtual card to be generated correspond to different systems;

[0073] S103: Generate the virtual card according to the virtual card generation information.

[0074] In an optional embodiment, when the virtual card to be generated is an ID card, the smart terminal can go to the ID card management system to obtain information, and the implementation process of generating an ID card virtual card based on the obtained information is as follows: the second-generation ID card medium requires the user to add or modify it as needed. So first of all, we provide manual addition, modification and other editing functions for the second-generation ID card, enter the various fields of the ID card, and upload avatar pictures. In view of the test use scenario of the second-generation ID card, the ID card information that the user needs to enter often needs to be compared with the information stored in the application system library. In order to improve the efficiency of media entry, this module function is developed. After the user enters the ID number and name, clicks "Information Extraction", and the system automatically communicates with the application system, extracts the contents of other fields and displays them on the editing interface for the user to further edit and save.

[0075] Optionally, when the virtual card type is a bank card, the step of obtaining virtual card generation information from a target system matching the type includes: obtaining the card making file uploaded by the user from the bank management system of the virtual card to be generated. The specific implementation process is as follows: the bank card medium is imported from the card making file obtained after the tester applies for card making. There are two types of card making files, and the file formats of magnetic stripe cards and IC cards are different. The card making files of a batch of magnetic stripe cards are written in a dat, and one line identifies a magnetic card, from which the card number and the second track information can be parsed. For the IC card file, each card number corresponds to a txt or xml file, and the file is stored according to the UnionPay PBOC2.0 or 3.0 specification. Taking txt as an example, each line is a TLV format, T (Type) is the field name, L (Length) is the length, and V (Value) is the value, separated by the character "|", such as: 5A|10|6217000780061713757F|. The IC card information is parsed line by line and stored in the database.

[0076] Figure 2 A schematic diagram of a virtual card management process provided by an embodiment of the present application is shown, such as Figure 2 As shown, the method may mainly include:

[0077] S201, receiving a user's request for managing the virtual card;

[0078] S202, verifying the identity information and / or authority information of the user;

[0079] S203: According to the identity information and / or permission information of the user, the driving process executes the management request of the user for the virtual card.

[0080] In an optional embodiment of the present application, the intelligent terminal is provided with a virtual card management system, and the front-end user interface of the virtual card management system can accept the user's operation instructions to manage the system, that is, the virtual card. Among them, the management operation authority varies according to the different permissions of the logged-in user, that is, the user is assigned a role, and the menu is configured for the role to enable different users to log in to the system. The displayed menu functions are not exactly the same. Ordinary users can only query virtual cards, and advanced users, such as bank business personnel, have advanced operation permissions such as importing and deleting virtual bank cards, thereby realizing the control of permissions. For example, for virtual bank cards, the one-click deletion function of virtual cards is only open to advanced users. This function marks all virtual cards saved in the database as test deletions, which are not visible on the interface and are only used for background statistics. For ID card virtual cards, ID card users are allowed to add them by themselves, and the deletion function is open to the authorized user, but only virtual ID cards previously added by users are allowed to be deleted, and cross-deletion is not allowed.

[0081] In an optional embodiment of the present application, the management request includes but is not limited to: virtual card information query, virtual card editing, virtual card information reading and writing; wherein the virtual card editing includes: virtual card creation or virtual card deletion. The editing management of virtual cards has been introduced in the above embodiments. The virtual card reading and writing management is taken as an example to introduce the virtual card management solution provided by the present application. Optionally, taking the test of virtual bank cards by bank testers as an example, in order to facilitate the management of virtual cards by testers, a scheduled task can be created in the management system. On the scheduled transaction day, the virtual card account is actively communicated with the application system to extract the latest status of the virtual card, customer name, ID number, balance and other information.

[0082] In the above embodiment, all communications follow the message specification of the application system, sending an HTTP request message, intercepting the content in the response message and updating it to the virtual card management system.

[0083] In an optional embodiment, the method further comprises:

[0084] Receive a call request for a virtual card interface device; wherein the virtual card interface device is used to assist the virtual card in establishing a communication connection with the virtual card management system;

[0085] A communication connection is established with the interface device.

[0086] In an optional embodiment, the virtual card interface device includes: a physical interface device and a virtual interface device; wherein the physical interface device includes an IC card reader / writer and / or a magnetic stripe card reader / writer.

[0087] In an optional embodiment, when the interface device is an IC card reader, the virtual card establishing a communication connection with the interface device includes:

[0088] The intelligent terminal storing the virtual card includes a radio frequency interface;

[0089] The radio frequency interface of the intelligent terminal establishes a communication connection with the IC card reader;

[0090] The virtual card establishes a communication connection with the IC card reader.

[0091] In an optional embodiment, when the interface device is a magnetic stripe card reader, establishing a communication connection between the virtual card and the interface device includes:

[0092] The intelligent terminal storing the virtual card includes an electromagnetic coil;

[0093] The electromagnetic coil of the smart terminal establishes a communication connection with the magnetic stripe card reader;

[0094] The virtual card establishes a communication connection with the magnetic stripe card reader.

[0095] In an optional embodiment, when the interface device is a virtual interface device, the virtual card establishing a communication connection with the interface device includes:

[0096] The virtual card management module calls the virtual interface device stored internally; or,

[0097] The first terminal storing the virtual card establishes a communication connection with the second terminal storing the virtual interface device;

[0098] The virtual card establishes a communication connection with the virtual interface device via a communication link between the first terminal and the second terminal.

[0099] In an optional embodiment of the present application, the method for implementing interface device virtualization of the virtual card includes:

[0100] Step 1: receiving a call request to an information card interface device;

[0101] Before step 2, a peripheral call request interception layer is added between the device driver layer and the device call layer of the intelligent terminal system, and a configuration file is used to control whether the business software uses the virtual interface device. The embodiment of the present application takes into account that the existing links in the current information card management enterprises and system business applications are basically designed according to the call physical interface peripherals. The addition of peripheral call request interception can adapt or convert to the use of virtual interface devices at the lowest cost without modifying the existing call design links.

[0102] Step 2: Map the call request to the call interface of the pre-configured virtual interface device; wherein the virtual interface device is configured with a communication interface with the information card management system; in the embodiment of the present application, the information card read and write functions of the existing physical information card interface device are implemented by writing code in software to implement the read and write, verification and other operation functions of the information card medium. Optionally, the virtual interface device and the real interface device implement an interface with the same name, and through the mapping mechanism, the interface of the virtual interface device module does not need to be modified without modifying the code of the device adaptation layer.

[0103] Step 3: The calling interface of the virtual interface device receives the calling request and establishes a communication connection with the information card;

[0104] In a second optional embodiment of the present application, the physical chip card includes a printed antenna, which is used to support Bluetooth and / or NFC functions; the smart terminal includes a Bluetooth module and / or an NFC antenna module; further, the virtual interface device establishes a communication connection with the information card, including: the virtual interface device calls the Bluetooth module and / or NFC antenna module of the smart terminal to establish a communication connection with the physical chip card.

[0105] based on Figure 1 The virtual card generation method shown in the figure, on the other hand, the embodiment of the present application provides a virtual card generation device, the device is applied to a smart terminal, such as Figure 3 As shown, the device may include: 301 determination module, 302 interface module and 303 generation module; wherein,

[0106] The determination module 301 is used to determine the type of the virtual card to be generated;

[0107] The interface module 302 is used to obtain virtual card generation information from a target system matching the type of the virtual card to be generated according to the type of the virtual card to be generated; wherein different types of the virtual card to be generated correspond to different systems;

[0108] The 303 generation module is used to generate the virtual card according to the virtual card generation information.

[0109] It can be understood that the above-mentioned components of the virtual card generation device in this embodiment have the function of realizing Figure 1 The functions of the corresponding steps of the method in the embodiment shown in . The function can be implemented by hardware, or by hardware executing the corresponding software. The hardware or software includes one or more modules or systems corresponding to the above functions. The above modules and systems can be software and / or hardware, and the above modules and systems can be implemented separately or integrated with multiple modules and systems. For the functional description of the above modules and systems, please refer to Figure 1 The corresponding description of the method in the embodiment shown in , therefore, the beneficial effects that can be achieved can refer to the beneficial effects of the corresponding method provided above, which will not be repeated here.

[0110] based on Figure 2 The virtual card management method shown in the figure, on the other hand, the embodiment of the present application provides a virtual card management device, the device is applied to a smart terminal, such as Figure 4 As shown, the device may include: 401 interface module, 402 verification module and 403 execution module, wherein:

[0111] The interface module 401 is used to receive a user's request for managing the virtual card;

[0112] The verification module 402 is used to verify the identity information and / or authority information of the user;

[0113] The 403 execution module is used to drive a process to execute the user's management request for the virtual card according to the user's identity information and / or authority information.

[0114] In an optional embodiment of the present application, the device further includes a communication module 403, wherein:

[0115] The interface module 401 is used to receive a call request to a virtual card interface device; wherein the virtual card interface device is used to assist the virtual card in establishing a communication connection with the virtual card management system;

[0116] The communication module 403 is used to establish a communication connection between the virtual card and the interface device.

[0117] It can be understood that the above-mentioned components of the virtual card management device in this embodiment have the function of realizing Figure 2 The functions of the corresponding steps of the method in the embodiment shown in . The function can be implemented by hardware, or by hardware executing the corresponding software. The hardware or software includes one or more modules or systems corresponding to the above functions. The above modules and systems can be software and / or hardware, and the above modules and systems can be implemented separately or integrated with multiple modules and systems. For the functional description of the above modules and systems, please refer to Figure 2 The corresponding description of the method in the embodiment shown in , therefore, the beneficial effects that can be achieved can refer to the beneficial effects of the corresponding method provided above, which will not be repeated here.

[0118] It is to be understood that the structure illustrated in the embodiment of the present invention does not constitute a specific limitation on the specific structure of the virtual card generation / management device. In other embodiments of the present application, the virtual card generation / management device may include more or fewer components than shown in the figure, or combine some components, or split some components, or arrange the components differently. The components shown in the figure may be implemented in hardware, software, or a combination of software and hardware.

[0119] An embodiment of the present application provides an electronic device, including a processor and a memory;

[0120] A memory, used for storing operation instructions;

[0121] The processor is used to execute the virtual card generation / management method provided in any embodiment of the present application by calling an operation instruction.

[0122] As an example, Figure 5 A schematic diagram of the structure of an electronic device applicable to the embodiment of the present application is shown. Figure 5As shown, the electronic device 500 includes: a processor 501 and a memory 503. Among them, the processor 501 and the memory 503 are connected, such as being connected through a bus 502. Optionally, the electronic device 500 may also include a transceiver 504. It should be noted that in actual applications, the transceiver 504 is not limited to one. It is understandable that the structure illustrated in the embodiment of the present invention does not constitute a specific limitation on the specific structure of the electronic device 500. In other embodiments of the present application, the electronic device 500 may include more or fewer components than shown in the figure, or combine certain components, or split certain components, or arrange the components differently. The illustrated components may be implemented in hardware, software, or a combination of software and hardware. Optionally, the electronic device may also include a display screen 505 for displaying images, or receiving user operation instructions when necessary.

[0123] The processor 501 is applied in the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 504 may include a receiver and a transmitter. The transceiver 504 is applied in the embodiment of the present application to implement the function of the electronic device of the embodiment of the present application communicating with other devices when executed.

[0124] Processor 501 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 501 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0125] The processor 501 may also include one or more processing units, for example, the processor 501 may include an application processor (AP), a modem processor, a graphics processor (GPU), an image signal processor (ISP), a controller, a memory, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural network processor (NPU). Among them, different processing units may be independent devices or integrated into one or more processors. Among them, the controller may be the nerve center and command center of the electronic device 500. The controller may generate an operation control signal according to the instruction opcode and the timing signal to complete the control of fetching and executing instructions. A memory may also be set in the processor 501 for storing instructions and data. In some embodiments, the memory in the processor 501 is a high-speed cache memory. The memory may store instructions or data that the processor 501 has just used or circulated. If the processor 501 needs to use the instruction or data again, it may be directly called from the memory. Repeated access is avoided, the waiting time of the processor 501 is reduced, and the efficiency of the system is improved.

[0126] The processor 501 can run the virtual card generation method provided in the embodiment of the present application to reduce the user's operation complexity, improve the intelligence of the terminal device, and enhance the user experience. The processor 501 can include different devices. For example, when the CPU and GPU are integrated, the CPU and GPU can cooperate to execute the virtual card generation method provided in the embodiment of the present application. For example, part of the algorithm in the virtual card generation method is executed by the CPU, and the other part of the algorithm is executed by the GPU to obtain faster processing efficiency.

[0127] The bus 502 may include a path to transmit information between the above components. The bus 502 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 502 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0128] The memory 503 may be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory), or may include a high-speed random access memory, or may include a non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), a disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited to this.

[0129] Optionally, the memory 503 is used to store application code for executing the solution of the present application, and the execution is controlled by the processor 501. The processor 501 is used to execute the application code stored in the memory 503 to implement the virtual card generation method provided in any embodiment of the present application.

[0130] The memory 503 can be used to store computer executable program codes, which include instructions. The processor 501 executes various functional applications and data processing of the electronic device 500 by running the instructions stored in the memory 503. The memory 503 may include a program storage area and a data storage area. Among them, the program storage area can store the code of the operating system, application program, etc. The data storage area can store data created during the use of the electronic device 500 (such as images, videos, etc. collected by the camera application), etc.

[0131] The memory 503 may also store one or more computer programs corresponding to the virtual card generation method provided in the embodiment of the present application. The one or more computer programs are stored in the above-mentioned memory 503 and are configured to be executed by the one or more processors 501, and the one or more computer programs include instructions, and the above-mentioned instructions can be used to execute each step in the above-mentioned corresponding embodiment.

[0132] Of course, the code of the virtual card generation method provided in the embodiment of the present application can also be stored in an external memory. In this case, the processor 501 can run the code of the virtual card generation method stored in the external memory through the external memory interface, and the processor 501 can control the operation of the virtual card generation process.

[0133] The display screen 505 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode or an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), Miniled, MicroLed, Micro-oLed, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the electronic device 500 may include 1 or N display screens 505, where N is a positive integer greater than 1. The display screen 505 can be used to display information input by a user or information provided to a user and various graphical user interfaces (GUIs). For example, the display screen 505 can display photos, videos, web pages, or files, etc.

[0134] The electronic device provided in the embodiment of the present application is applicable to any embodiment of the above method. Therefore, the beneficial effects that can be achieved can refer to the beneficial effects in the corresponding method provided above, which will not be repeated here.

[0135] An embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, the virtual card generation method shown in the above method embodiment is implemented.

[0136] The computer-readable storage medium provided in the embodiment of the present application is applicable to any embodiment of the above-mentioned method. Therefore, the beneficial effects that can be achieved can refer to the beneficial effects in the corresponding method provided above, which will not be repeated here.

[0137] The embodiment of the present application also provides a computer program product, which, when executed on a computer, enables the computer to execute the above-mentioned related steps to implement the method in the above-mentioned embodiment. The computer program product provided in the embodiment of the present application is applicable to any embodiment of the above-mentioned method, and therefore, the beneficial effects that can be achieved can refer to the beneficial effects in the corresponding method provided above, which will not be repeated here.

[0138] The embodiments of the present application provide a virtual card generation and management solution, provide a solution for virtualizing the physical information cards in the prior art, and provide a management solution for virtual cards, thereby solving the problem that physical information cards are easily lost and damaged, reducing the card investment cost and management cost of information card management companies, and improving the flexibility of information card use and user experience.

[0139] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of modules or units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another device, or some features can be discarded or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0140] The units described as separate components may or may not be physically separated, and the components shown as units may be one physical unit or multiple physical units, that is, they may be located in one place or distributed in multiple different places. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0141] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0142] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a readable storage medium. Based on this understanding, the technical solution of the embodiment of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium, including several instructions to enable a device (which can be a single-chip microcomputer, chip, etc.) or a processor (processor) to perform all or part of the steps of the various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read only memory (ROM), random access memory (RAM), disk or optical disk and other media that can store program code.

[0143] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0144] The above contents are only specific implementation methods of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, and can also make some improvements and modifications. These changes, substitutions, improvements and modifications should also be considered to be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A method for generating a virtual card, applied to a smart terminal, characterized in that: The method comprises: Determine the type of virtual card to be generated, wherein the type of virtual card includes: bank card, identity card or passbook; According to the type of the virtual card to be generated, the virtual card generation information is obtained from the target system matching the type; wherein different types of the virtual card to be generated correspond to different systems; wherein, when the virtual card is the ID card, after the user inputs the field content, the system automatically communicates with the target system, extracts the other field content and displays it on the editing interface for the user to further edit and save; The virtual card is generated according to the virtual card generation information.

2. The method for generating a virtual card according to claim 1, characterized in that: When the virtual card type is a bank card, acquiring virtual card generation information from a target system matching the type includes: The card making file uploaded by the user is obtained from the bank management system of the virtual card to be generated.

3. A virtual card management method, applied to a smart terminal, characterized in that: The virtual card is a virtual card according to claim 1 or 2, and the method comprises: receiving a user's request for managing the virtual card; Verifying the identity information and / or authority information of the user; According to the identity information and / or authority information of the user, the driving process executes the management request of the user for the virtual card.

4. The virtual card management method according to claim 3, characterized in that: The management requests include but are not limited to: Virtual card information query, virtual card editing, virtual card information reading and writing; wherein the virtual card editing includes: virtual card creation or virtual card deletion.

5. The virtual card management method according to claim 4, characterized in that: The method further comprises: Receive a call request to a virtual card interface device; wherein the virtual card interface device is used to assist the virtual card in establishing a communication connection with a virtual card management system; A communication connection is established with the virtual card interface device.

6. The virtual card management method according to claim 5, characterized in that: The virtual card interface device includes: a physical interface device and a virtual interface device; wherein the physical interface device includes an IC card reader and / or a magnetic stripe card reader.

7. The method for generating a virtual card according to claim 5, wherein: When the virtual card interface device is an IC card reader, the virtual card and the virtual card interface device establish a communication connection including: The intelligent terminal storing the virtual card includes a radio frequency interface; The radio frequency interface of the intelligent terminal establishes a communication connection with the IC card reader; The virtual card establishes a communication connection with the IC card reader.

8. The method for generating a virtual card according to claim 5, wherein: When the virtual card interface device is a magnetic stripe card reader, the virtual card and the virtual card interface device establish a communication connection including: The intelligent terminal storing the virtual card includes an electromagnetic coil; The electromagnetic coil of the smart terminal establishes a communication connection with the magnetic stripe card reader; The virtual card establishes a communication connection with the magnetic stripe card reader.

9. The method for generating a virtual card according to claim 5, wherein: When the virtual card interface device is a virtual interface device, the virtual card establishing a communication connection with the virtual card interface device includes: The virtual card management module calls the virtual interface device stored internally; or, The first terminal storing the virtual card establishes a communication connection with the second terminal storing the virtual interface device; The virtual card establishes a communication connection with the virtual interface device via a communication link between the first terminal and the second terminal.

10. A virtual card generation device, applied to a smart terminal, characterized in that: The device comprises: a determination module, an interface module and a generation module; wherein, The determination module is used to determine the type of the virtual card to be generated, wherein the type of the virtual card includes: a bank card, an identity card or a passbook; The interface module is used to obtain virtual card generation information from a target system matching the type of the virtual card to be generated, according to the type of the virtual card to be generated; wherein different types of virtual cards to be generated correspond to different systems; wherein, when the virtual card is the ID card, after the user enters the field content, the interface module automatically communicates with the target system, extracts the content of other fields and displays them on the editing interface for the user to further edit and save; The generating module is used to generate the virtual card according to the virtual card generating information.

11. An electronic device, characterized in that: including a processor and a memory; The memory is used to store operation instructions; The processor is used to execute the method according to any one of claims 1 or 2 or 3 to 9 by calling the operation instruction.

12. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 or 2 or 3 to 9 is implemented.

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