Virtual Card Issuance Decoupling Payment and Card Systems
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The existing virtual card systems face inefficiencies and increased traffic loads when issuing virtual cards, leading to delays and higher operational costs due to real-time interactions between the payment system and the card issuing system, especially when the payment system has a strong traffic diversion capability.
Innovation Solution
The proposed method involves the payment system obtaining rules and conditions for virtual card issuance from the card issuing system in advance, allowing it to generate virtual cards independently when user conditions are met, thereby reducing real-time interaction and decoupling the card issuance process, and asynchronously sending card information to the card issuing system to manage traffic pressure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the payment system relies on real-time data processing capability of the merchant's card issuing system when the user receives the virtual card, then the virtual card issuance is accurate and controlled, but the heavy user traffic brought by the payment system with strong traffic diversion capability causes delay when the merchant system feeds back the virtual card to the user
Solution Approach 1:
The payment system obtains card issuance rules and conditions from the card issuing system in advance and stores them locally. When a user requests a virtual card, the payment system can independently determine whether to issue the card by checking local rules without real-time interaction with the card issuing system, thus resolving the contradiction between maintaining issuance control and avoiding feedback delays.
2Ease of operation
If the payment system has strong traffic diversion capability to improve user access, then user convenience is improved, but the merchant system experiences increased traffic pressure and operational costs
Solution Approach 1:
The patent extracts the card issuance decision-making function from the card issuing system and implements it independently in the payment system. The payment system obtains and stores card issuance rules locally, enabling autonomous determination of card issuance without requiring real-time interaction with the card issuing system. This extraction reduces traffic pressure on the card issuing system while maintaining user access convenience through the payment system's strong traffic diversion capability.
3Reliability
If the payment system performs real-time interaction with the card issuing system for each virtual card issuance, then the card issuance process is accurate and compliant, but the system complexity and operational costs increase
Solution Approach 1:
The payment system obtains card issuance rules, conditions, and related parameters from the card issuing system in advance and stores them locally. When a user requests a virtual card, the payment system independently determines whether to issue the card by checking local rules against user information, eliminating the need for real-time interaction with the card issuing system for each issuance request. This preliminary action maintains issuance accuracy while significantly reducing system interaction complexity.
Data Source
AI summary
A virtual card opening method and system, a payment system, and a card issuing system are disclosed. The method comprises: receiving, through an online traffic entrance associated with a payment system, a virtual card opening request from a user, the virtual card opening request comprising user information and type identifier information of a virtual card; searching, by the payment system, for a rule for acting as an agent to open a card and a card opening condition corresponding to the type identifier information from the payment system, the rule for acting as an agent to open a card and the card opening condition being obtained in advance by the payment system from a card issuing system; and generating, by the payment system, a target virtual card according to the user information and the rule for acting as an agent.