TW201947481A - Virtual card generation method, user terminal and token server - Google Patents

Virtual card generation method, user terminal and token server Download PDF

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Publication number
TW201947481A
TW201947481A TW108112008A TW108112008A TW201947481A TW 201947481 A TW201947481 A TW 201947481A TW 108112008 A TW108112008 A TW 108112008A TW 108112008 A TW108112008 A TW 108112008A TW 201947481 A TW201947481 A TW 201947481A
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terminal
card
information
virtual card
virtual
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TWI770377B (en
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余瑋琦
萬四爽
何朔
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大陸商中國銀聯股份有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards

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Abstract

The invention relates to a virtual card generation method, a user terminal and a token server. The virtual card generation method comprises an obtaining step in which a first terminal obtains terminal information of a second terminal that needs generation of a virtual card, and the first terminal is bound with a payment card; a request sending step in which the first terminal sends card information of the payment card and the terminal information of the second card to the token server so as to request for generation of the virtual card; and a virtual card generation step in which the token server distributes the second terminal with a token number with a dependence relation on the basis of the card information so as the generate the virtual card and returns the dependence relation and token number to the first terminal. Via the virtual card generation method, the binding process can be simplified, and the user experience is improved.

Description

虛擬卡生成方法、使用者終端以及權杖伺服器Virtual card generation method, user terminal and token server

本發明涉及移動支付技術，尤其涉及一種虛擬卡生成方法、使用者終端以及權杖伺服器。The present invention relates to mobile payment technology, and in particular, to a method for generating a virtual card, a user terminal, and a token server.

現有的綁卡流程一般為使用者在綁卡介面輸入銀行卡卡號、手機號，後臺審核銀行卡資訊後，經過手機短信驗證碼驗證後綁卡成功。The current card binding process generally involves the user entering the bank card number and mobile phone number on the card binding interface, and after verifying the bank card information in the background and verifying by the mobile phone SMS verification code, the card is successfully bound.

目前的現有技術存在的缺點如下：
（1）綁定需要實體銀行卡；
（2）輸入銀行卡卡號再經過手機短信驗證碼驗證後綁卡的流程較為繁瑣，使用者體驗較差。The disadvantages of the current prior art are as follows:
(1) Binding requires a physical bank card;
(2) The process of binding the card after entering the bank card number and verifying by the mobile phone SMS verification code is cumbersome, and the user experience is poor.

例如，作為一個將車輛作為支付終端的情況下，為了對該車輛終端上綁定銀行卡，通常需要輸入卡號，再經過短信驗證碼驗證後綁定銀行卡。這樣存在兩個問題，一是用戶可能沒有隨身攜帶銀行卡，導致無法綁卡；二是綁卡過程較為繁瑣，用戶體驗較差。For example, when a vehicle is used as a payment terminal, in order to bind a bank card to the vehicle terminal, it is usually necessary to enter a card number, and then bind the bank card after verification by a short message verification code. There are two problems. One is that the user may not carry the bank card with him, which makes it impossible to bind the card. The other is that the card binding process is tedious and the user experience is poor.

公開於本發明背景部分的資訊僅僅旨在增加對本發明的總體背景的理解，而不應當被視為承認或以任何形式暗示該資訊構成已為本領域一般技術人員所公知的現有技術。The information disclosed in the background section of the present invention is only for the purpose of increasing the understanding of the general background of the present invention and should not be taken as an acknowledgement or any form of suggestion that the information constitutes prior art that is already known to those of ordinary skill in the art.

鑒於上述問題，本發明旨在提供一種能夠節省操作步驟並且能夠實現快速綁卡的虛擬卡生成方法、使用者終端以及權杖伺服器。In view of the above problems, the present invention aims to provide a virtual card generation method, a user terminal, and a token server that can save operation steps and enable fast card binding.

本發明的虛擬卡生成方法，其特徵在於，包括：
獲取步驟，第一終端獲取需要生成虛擬卡的第二終端的終端資訊，其中所述第一終端已綁定支付卡；
請求發送步驟，第一終端將已綁定支付卡的卡資訊和所述第二終端的終端資訊發送到權杖伺服器以請求生成虛擬卡；以及
虛擬卡生成步驟，權杖伺服器基於所述卡資訊對所述第二終端分配與所述卡資訊具有依存關係的權杖號用以生成虛擬卡並且將所述依存關係和權杖號返回到所述第一終端。The virtual card generating method of the present invention is characterized by including:
In the obtaining step, the first terminal obtains terminal information of a second terminal that needs to generate a virtual card, wherein the first terminal is bound to a payment card;
The request sending step, the first terminal sends the card information of the bound payment card and the terminal information of the second terminal to the token server to request the generation of a virtual card; and the virtual card generation step, the token server is based on the The card information assigns a token number having a dependency relationship with the card information to the second terminal to generate a virtual card and returns the dependency relationship and the token number to the first terminal.

可選地，在所述虛擬卡生成步驟之後進一步包括：
儲存步驟，第一終端儲存所述依存關係和所述權杖號。Optionally, after the step of generating the virtual card, the method further includes:
In the storing step, the first terminal stores the dependency relationship and the token number.

可選地，在所述獲取步驟和請求發送步驟之間進一步具備：
支付卡選擇步驟，顯示所述第一終端已綁定的支付卡列表並且從所述支付卡清單中選擇需要與所述第二終端進行綁定的支付卡。Optionally, between the obtaining step and the request sending step:
The payment card selection step displays a list of payment cards bound to the first terminal and selects a payment card to be bound to the second terminal from the list of payment cards.

可選地，在所述獲取步驟中通過以下方式之一獲取所述第二終端的終端資訊：
通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊；
通過NFC通信方式獲取所述第二終端的帳戶資訊；以及
直接輸入所述第二終端的帳戶資訊。Optionally, in the obtaining step, the terminal information of the second terminal is obtained in one of the following ways:
Acquiring terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal;
Acquiring account information of the second terminal by using NFC communication; and directly inputting account information of the second terminal.

本發明的虛擬卡生成方法，其特徵在於，包括：
獲取步驟，第一終端獲取需要生成虛擬卡的第二終端的終端資訊，其中所述第一終端已綁定支付卡；
請求發送步驟，第一終端發送所述已綁定支付卡的卡資訊和所述第二終端的終端資訊用以請求生成虛擬卡；以及
儲存步驟，第一終端儲存返回的基於卡資訊而分配給所述第二終端的具有依存關係的權杖號以及所述依存關係。The virtual card generating method of the present invention is characterized by including:
In the obtaining step, the first terminal obtains terminal information of a second terminal that needs to generate a virtual card, wherein the first terminal is bound to a payment card;
In the request sending step, the first terminal sends the card information of the bound payment card and the terminal information of the second terminal to request the generation of a virtual card; and in the storing step, the first terminal stores the returned card information based on the card information and allocates it to The token number of the second terminal having a dependency relationship and the dependency relationship.

可選地，在所述獲取步驟和請求發送步驟之間進一步具備：
支付卡選擇步驟，顯示所述第一終端已綁定的支付卡清單並且選擇需要與所述第二終端進行綁定的支付卡。Optionally, between the obtaining step and the request sending step:
The payment card selection step displays a list of payment cards bound to the first terminal and selects a payment card to be bound to the second terminal.

可選地，在所述獲取步驟中通過以下方式之一獲取所述第二終端的終端資訊：
通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊；
通過NFC通信方式獲取所述第二終端的帳戶資訊；以及
直接輸入所述第二終端的帳戶資訊。Optionally, in the obtaining step, the terminal information of the second terminal is obtained in one of the following ways:
Acquiring terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal;
Acquiring account information of the second terminal by using NFC communication; and directly inputting account information of the second terminal.

本發明的虛擬卡生成方法，其特徵在於，包括：
接收步驟，從第一終端接收虛擬卡生成請求，其中，所述虛擬卡生成請求包含與第一終端已綁定的支付卡的卡資訊和第二終端的終端資訊；以及
虛擬卡生成步驟，基於所述虛擬卡生成請求對所述第二終端分配與所述卡資訊具有依存關係的權杖號並且生成以該權杖號為卡號的虛擬卡。The virtual card generating method of the present invention is characterized by including:
A receiving step of receiving a virtual card generation request from a first terminal, wherein the virtual card generation request includes card information of a payment card bound to the first terminal and terminal information of a second terminal; and the virtual card generation step is based on The virtual card generation request allocates a token number having a dependency relationship with the card information to the second terminal and generates a virtual card with the token number as a card number.

本發明的使用者終端，其特徵在於，包括：
獲取模組，用於獲取需要生成虛擬卡的其他終端的終端資訊，其中所述使用者終端本身已綁定支付卡；以及
帳戶管理模組，用於發送所述使用者終端本身已綁定支付卡的卡資訊和所述其他終端的終端資訊用以請求生成虛擬卡，另一方面，用於儲存基於所述卡資訊而分配給所述其他終端的具有依存關係的權杖號以及所述依存關係。The user terminal of the present invention is characterized by comprising:
An acquisition module for acquiring terminal information of other terminals that need to generate a virtual card, wherein the user terminal itself is bound to a payment card; and an account management module for sending the user terminal itself to be bound for payment The card information of the card and the terminal information of the other terminal are used to request the generation of a virtual card. On the other hand, it is used to store a token number having a dependency relationship and the dependency that is assigned to the other terminal based on the card information relationship.

可選地，所述獲取模組包括以下一項或者多項：
用於通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊的二維碼讀取模組；
用於通過NFC通信方式獲取所述第二終端的帳戶資訊的NFC模組；以及
用於輸入所述第二終端的帳戶資訊的輸入模組。Optionally, the acquisition module includes one or more of the following:
A two-dimensional code reading module for obtaining terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal;
An NFC module for acquiring account information of the second terminal through an NFC communication method; and an input module for inputting account information of the second terminal.

本發明的權杖伺服器，其特徵在於，包括：
接收模組，用於從第一終端接收虛擬卡生成請求，其中，所述虛擬卡生成請求包含支付卡的卡資訊和第二終端的終端資訊；
虛擬卡生成模組，用於基於所述虛擬卡生成請求對所述第二終端分配與所述卡資訊具有依存關係的權杖號並且生成以該權杖號為卡號的虛擬卡；以及
發送模組，用於將生成的虛擬卡發送到第一終端。The token server of the present invention is characterized by comprising:
A receiving module, configured to receive a virtual card generation request from a first terminal, wherein the virtual card generation request includes card information of a payment card and terminal information of a second terminal;
A virtual card generating module, configured to allocate a token number having a dependency relationship with the card information to the second terminal and generate a virtual card with the token number as a card number based on the virtual card generation request; and a sending module; A group for sending the generated virtual card to the first terminal.

本發明的電腦可讀媒體，其上儲存有電腦程式，其特徵在於，
該電腦程式被處理器執行時實現上述的虛擬卡生成方法。The computer-readable medium of the present invention stores a computer program thereon, which is characterized in that:
When the computer program is executed by a processor, the virtual card generating method described above is implemented.

本發明的電腦設備，包括記憶體、處理器以及儲存在記憶體上並可在處理器上運行的電腦程式，其特徵在於，所述處理器執行所述電腦程式時實現上述的虛擬卡生成方法。The computer equipment of the present invention includes a memory, a processor, and a computer program stored on the memory and can run on the processor, wherein the processor implements the virtual card generation method described above when the computer program is executed. .

根據本發明的虛擬卡生成方法及虛擬卡生成系統，使用者只要在自己的使用者終端上綁定過卡就可以通過例如掃描二維碼一鍵綁卡，無需銀行卡實體卡號，無需手機驗證碼，真正做到快速綁卡，用戶體驗極佳。According to the virtual card generating method and the virtual card generating system of the present invention, as long as the user has bound the card to his user terminal, the user can bind the card by, for example, scanning a two-dimensional code without a physical card number of the bank card and no mobile phone verification Code, truly fast card binding, excellent user experience.

通過納入本文的圖式以及隨後與圖式一起用於說明本發明的某些原理的具體實施方式，本發明的方法和裝置所具有的其它特徵和優點將更為具體地變得清楚或得以闡明。Other features and advantages of the method and apparatus of the present invention will become clearer or clarified in more detail through the drawings incorporated herein and the specific embodiments that are subsequently used to illustrate certain principles of the present invention. .

下面介紹的是本發明的多個實施例中的一些，旨在提供對本發明的基本瞭解。並不旨在確認本發明的關鍵或決定性的要素或限定所要保護的範圍。The following describes some of the various embodiments of the present invention and is intended to provide a basic understanding of the present invention. It is not intended to identify key or critical elements of the invention or to limit the scope of protection.

圖1是表示本發明的虛擬卡生成方法的流程圖。FIG. 1 is a flowchart showing a virtual card generation method of the present invention.

如圖1所示，本發明的虛擬卡生成方法包括：
步驟S100，第一終端獲取需要生成虛擬卡的第二終端的終端資訊，其中所述第一終端已綁定支付卡；
步驟S200，顯示所述第一終端已綁定的支付卡列表並且從所述支付卡清單中選擇需要與所述第二終端進行綁定的支付卡；
步驟S300，第一終端將被選擇的支付卡的卡資訊和第二終端的終端資訊發送到權杖伺服器統以請求生成虛擬卡；以及
步驟S400，權杖伺服器統基於所述卡資訊對所述第二終端分配具有依存關係的權杖號以生成虛擬卡並且將所述依存關係和權杖號返回到所述第一終端。As shown in FIG. 1, the method for generating a virtual card of the present invention includes:
Step S100: The first terminal acquires terminal information of a second terminal that needs to generate a virtual card, wherein the first terminal is bound to a payment card;
Step S200: Display a list of payment cards bound to the first terminal and select a payment card to be bound to the second terminal from the list of payment cards;
In step S300, the first terminal sends the card information of the selected payment card and the terminal information of the second terminal to the token server to request the generation of a virtual card; and in step S400, the token server pairs the card information with each other based on the card information. The second terminal assigns a token number having a dependency relationship to generate a virtual card and returns the dependency relationship and the token number to the first terminal.

其中，步驟S200是可選步驟，當第一終端已綁定多張支付卡的情況下，才存在該步驟S200，而且當第一終端已綁定多張支付卡的情況下，若設置預設卡作為首選進行綁定的支付卡的情況下，可以不需要設置該步驟S200。另外，當第一終端僅綁定一張支付卡的情況下，則不需要步驟S200。Among them, step S200 is an optional step. This step exists only when the first terminal is bound to multiple payment cards, and when the first terminal is bound to multiple payment cards, if a preset is set, In the case where the card is the preferred payment card for binding, this step S200 may not be required. In addition, when the first terminal is bound to only one payment card, step S200 is not required.

進一步，在步驟S400之後可以進一步具備：
儲存步驟，第一終端儲存所述依存關係和所述權杖號。Further, after step S400, it may further include:
In the storing step, the first terminal stores the dependency relationship and the token number.

其中，在步驟S100中通過以下方式之一獲取所述第二終端的終端資訊：
掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊；
通過NFC通信方式獲取所述第二終端的帳戶資訊；以及
輸入所述第二終端的帳戶資訊。Wherein, in step S100, the terminal information of the second terminal is acquired in one of the following ways:
Scanning a preset two-dimensional code of the second terminal to obtain terminal information of the second terminal;
Acquiring account information of the second terminal by using NFC communication; and inputting account information of the second terminal.

這裡對於步驟S400中權杖伺服器基於被選擇的支付卡的卡資訊對所述第二終端分配具有依存關係的權杖號的內容進行說明。這裡支付卡的卡資訊例如至少包含權杖（Token）資訊。圖2中表示了權杖的依存關係。Here, the content of the token server having a dependency relationship assigned by the token server to the second terminal based on the card information of the selected payment card in step S400 will be described. The card information of the payment card here includes at least token information, for example. Figure 2 shows the dependency of the token.

如圖2所示，被選擇的支付卡原本具有權杖A，權杖伺服器統基於虛擬卡生成請求生成與權杖具有依存關係的權杖A1、權杖A2、權杖A3。As shown in FIG. 2, the selected payment card originally has a token A, and the token server generates a token A1, a token A2, and a token A3 having a dependency relationship with the token based on the virtual card generation request.

權杖A1、權杖A2、權杖A3可以是多個第二終端的對同一張支付卡的權杖而生成的附屬權杖，這些權杖的依附關係存在第一終端中。第一終端可以對這些權杖的依附關係進行管理，例如，進行刪除操作。The scepter A1, the scepter A2, and the scepter A3 may be auxiliary scepters generated by the plurality of second terminals for the same payment card, and the dependency relationship of these scepters is stored in the first terminal. The first terminal may manage the dependency relationship of these tokens, for example, perform a delete operation.

接著，對於本發明的虛擬卡生成方法的一個實施方式進行說明。Next, an embodiment of the virtual card generation method of the present invention will be described.

圖3是表示本發明一實施方式的虛擬卡生成方法的流程圖。FIG. 3 is a flowchart showing a virtual card generation method according to an embodiment of the present invention.

在該實施方式中，第一終端為使用者終端100（例如，使用者手機），第二終端為車輛終端200，300是權杖伺服器。為了實現在車輛終端20上綁定使用者終端100已綁定的支付卡而執行本發明的虛擬卡生成方法。In this embodiment, the first terminal is a user terminal 100 (for example, a user's mobile phone), and the second terminal is a vehicle terminal 200, and 300 is a token server. The virtual card generation method of the present invention is executed in order to bind the vehicle terminal 20 with the payment card bound to the user terminal 100.

如圖3所示，本發明一實施方式的虛擬卡生成方法包括下述步驟：
步驟S10：使用者終端100獲取需要生成虛擬卡的車輛終端200的終端資訊，其中所述使用者終端100已綁定支付卡，車輛終端200的終端資訊包括但不限定於汽車終端物理位址、車輛帳戶等；
步驟S11：顯示使用者終端100已綁定的支付卡清單並且使用者選擇需要與車輛終端200進行綁定的支付卡；
步驟S12：使用者終端100發送已綁定的支付卡的卡資訊(例如權杖)和車輛終端200的終端資訊到權杖伺服器300以請求生成虛擬卡；
步驟S13：權杖伺服器300基於所述卡資訊對車輛終端200分配與卡資訊中包含的權杖具有依存關係的權杖號，由此生成虛擬卡，將所述依存關係和權杖號返回到使用者終端100；以及
步驟S14：使用者終端100儲存從權杖伺服器300返回的基於所述卡資訊而分配給車輛終端200具有依存關係的權杖號以及所述依存關係。As shown in FIG. 3, the method for generating a virtual card according to an embodiment of the present invention includes the following steps:
Step S10: The user terminal 100 obtains terminal information of the vehicle terminal 200 that needs to generate a virtual card. The user terminal 100 is bound to a payment card. The terminal information of the vehicle terminal 200 includes, but is not limited to, the physical address of the vehicle terminal, Vehicle account, etc .;
Step S11: Display a list of payment cards bound to the user terminal 100 and the user selects a payment card that needs to be bound to the vehicle terminal 200;
Step S12: The user terminal 100 sends the card information (such as a token) of the bound payment card and the terminal information of the vehicle terminal 200 to the token server 300 to request generation of a virtual card;
Step S13: The token server 300 assigns a token number having a dependency relationship with the token included in the card information to the vehicle terminal 200 based on the card information, thereby generating a virtual card, and returning the dependency relationship and the token number Go to the user terminal 100; and step S14: The user terminal 100 stores the token number having the dependency relationship and the dependency relationship assigned to the vehicle terminal 200 based on the card information returned from the token server 300.

在步驟S10中，通過以下方式之一獲取車輛終端200終端資訊：
通過掃描車輛終端200的預先設定的二維碼以獲取輛終端200的終端資訊，其中，該二維碼中包含有輛終端200的終端資訊；
通過NFC通信方式獲取車輛終端200的帳戶資訊；以及
直接輸入車輛終端200的帳戶資訊。In step S10, the terminal information of the vehicle terminal 200 is acquired in one of the following ways:
The terminal information of the vehicle terminal 200 is obtained by scanning a preset two-dimensional code of the vehicle terminal 200, where the two-dimensional code includes the terminal information of the vehicle terminal 200;
The account information of the vehicle terminal 200 is acquired through the NFC communication method; and the account information of the vehicle terminal 200 is directly input.

利用上述步驟能夠將使用者終端100中已綁定的支付卡通過例如掃描二維碼的方式直接綁定到車輛終端200，綁卡過程簡單，無需輸入銀行卡實體卡號，也無需手機驗證，能夠真正做到快速綁卡，用戶體驗良好。The above steps can be used to directly bind the payment card bound in the user terminal 100 to the vehicle terminal 200 by scanning a two-dimensional code, for example. Truly fast card binding, good user experience.

接著，對於解除綁卡的過程進行說明。Next, the process of unlinking a card will be described.

圖4是表示本發明一實施方式的虛擬卡綁定解除的流程圖。FIG. 4 is a flowchart showing unbinding of a virtual card according to an embodiment of the present invention.

步驟S20：使用者在使用者終端100上選擇要解綁的支付卡；
步驟S21：使用者終端將卡解綁請求發送至TOKEN伺服器300；
步驟S22：TOKEN伺服器300解綁權杖號與實體支付卡的對應關係並且將該情況通知使用者終端100；
步驟S23：移除車輛終端200上綁定的權杖號；
步驟S24：使用者終端100刪除權杖號依附關係，移除卡片成功。Step S20: The user selects a payment card to be untied on the user terminal 100;
Step S21: The user terminal sends a card unbinding request to the TOKEN server 300;
Step S22: the TOKEN server 300 unbinds the correspondence between the token number and the physical payment card and notifies the user terminal 100 of the situation;
Step S23: Remove the token number bound on the vehicle terminal 200;
Step S24: The user terminal 100 deletes the token number dependency and the card is successfully removed.

以上對於本實施方式的虛擬卡生成方法進行了說明，接著，對於本實施方式的虛擬卡生成系統進行說明。The virtual card generating method of the present embodiment has been described above, and then the virtual card generating system of the present embodiment will be described.

圖5是表示本發明一實施方式的虛擬卡生成系統的框圖。FIG. 5 is a block diagram showing a virtual card generation system according to an embodiment of the present invention.

如圖5所示，本發明一實施方式的虛擬卡生成系統包括使用者終端100、權杖伺服器300。As shown in FIG. 5, the virtual card generation system according to an embodiment of the present invention includes a user terminal 100 and a token server 300.

其中，使用者終端100包括：
獲取模組110，用於獲取需要生成虛擬卡的車輛終端200的終端資訊，其中所述使用者終端100本身已綁定支付卡；以及
帳戶管理模組120，用於發送使用者終端100本身已綁定支付卡的原卡資訊和車輛終端200的終端資訊到權杖伺服器300以請求生成虛擬卡，另一方面，用於儲存基於原卡資訊而由權杖伺服器300分配給車輛終端200的具有依存關係的權杖號以及所述依存關係。The user terminal 100 includes:
The acquisition module 110 is used to acquire terminal information of the vehicle terminal 200 that needs to generate a virtual card, wherein the user terminal 100 itself is bound to a payment card; and the account management module 120 is used to send the user terminal 100 itself has been Binding the original card information of the payment card and the terminal information of the vehicle terminal 200 to the token server 300 to request the generation of a virtual card. On the other hand, it is used to store the original card information and the token server 300 allocates to the vehicle terminal 200. The token number of the dependency and the dependency.

其中，獲取模組110包括以下一個或者多個模組：
通過掃描車輛終端200的預先設定的二維碼以獲取車輛終端200的終端資訊的二維碼讀取模組111；
用於通過NFC通信方式獲取車輛終端200的帳戶資訊的NFC模組112；以及
用於輸入車輛終端200的帳戶資訊的輸入模組113。The acquisition module 110 includes one or more of the following modules:
A two-dimensional code reading module 111 for acquiring terminal information of the vehicle terminal 200 by scanning a preset two-dimensional code of the vehicle terminal 200;
An NFC module 112 for acquiring account information of the vehicle terminal 200 through an NFC communication method; and an input module 113 for inputting account information of the vehicle terminal 200.

其中，權杖伺服器300包括：
接收模組310，用於從使用者終端100接收包含支付卡的卡資訊和車輛終端200的終端資訊的虛擬卡生成請求；
虛擬卡生成模組320，用於基於所述虛擬卡生成請求對車輛終端200分配與所述卡資訊具有依存關係的權杖號並且生成以該權杖號為卡號的虛擬卡；以及
發送模組330，用於將生成的虛擬卡發送到使用者終端100。The token server 300 includes:
The receiving module 310 is configured to receive a virtual card generation request including the card information of the payment card and the terminal information of the vehicle terminal 200 from the user terminal 100;
A virtual card generating module 320, configured to allocate a token number having a dependency relationship with the card information to the vehicle terminal 200 based on the virtual card generation request and generate a virtual card with the token number as a card number; and a sending module; 330, configured to send the generated virtual card to the user terminal 100.

進一步，本發明還提供一種電腦可讀媒體，其上儲存有電腦程式，該電腦程式被處理器執行時實現上述虛擬卡生成方法。Further, the present invention also provides a computer-readable medium having a computer program stored thereon, which is implemented by the processor to implement the virtual card generation method described above.

進一步，本發明還提供一種電腦設備，包括記憶體、處理器以及儲存在記憶體上並可在處理器上運行的電腦程式，其特徵在於，所述處理器執行所述電腦程式時上述的虛擬卡生成方法。Further, the present invention also provides a computer device including a memory, a processor, and a computer program stored on the memory and capable of running on the processor, wherein the above-mentioned virtual Card generation method.

根據本發明的虛擬卡生成方法及虛擬卡生成系統，使用者只要在自己的使用者終端上綁定過卡就可以通過例如掃描二維碼一鍵綁卡，無需銀行卡實體卡號，無需手機驗證碼，真正做到快速綁卡，用戶體驗極佳。According to the virtual card generating method and the virtual card generating system of the present invention, as long as the user has bound the card to his user terminal, the user can bind the card by, for example, scanning a two-dimensional code without a physical card number of the bank card and no mobile phone verification Code, truly fast card binding, excellent user experience.

以上例子主要說明了本發明的虛擬卡生成方法及其系統、使用者終端以及權杖伺服器。儘管只對其中一些本發明的具體實施方式進行了描述，但是本領域普通技術人員應當瞭解，本發明可以在不偏離其主旨與範圍內以許多其他的形式實施。因此，所展示的例子與實施方式被視為示意性的而非限制性的，在不脫離如所附各申請專利範圍所定義的本發明精神及範圍的情況下，本發明可能涵蓋各種的修改與替換。The above examples mainly explain the virtual card generating method and system, user terminal and token server of the present invention. Although only some of the specific embodiments of the present invention have been described, those of ordinary skill in the art should understand that the present invention can be implemented in many other forms without departing from the spirit and scope thereof. Therefore, the illustrated examples and implementations are to be regarded as illustrative rather than restrictive, and the present invention may cover various modifications without departing from the spirit and scope of the present invention as defined by the scope of the attached patent With replacement.

S100、S200、S300、S400‧‧‧步驟S100, S200, S300, S400 ‧‧‧ steps

A、A1、A2、A3‧‧‧權杖 A, A1, A2, A3‧‧‧ scepter

100‧‧‧使用者終端 100‧‧‧user terminal

200‧‧‧車輛終端 200‧‧‧Vehicle terminal

300‧‧‧權杖伺服器 300‧‧‧ Token Server

S10、S11、S12、S13、S14‧‧‧步驟 S10, S11, S12, S13, S14 ‧‧‧ steps

S20、S21、S22、S23、S24‧‧‧步驟 S20, S21, S22, S23, S24‧‧‧ steps

110‧‧‧獲取模組 110‧‧‧Get Module

111‧‧‧二維碼讀取模組 111‧‧‧Two-dimensional code reading module

112‧‧‧NFC模組 112‧‧‧NFC Module

113‧‧‧輸入模組 113‧‧‧input module

120‧‧‧帳戶管理模組 120‧‧‧Account Management Module

310‧‧‧接收模組 310‧‧‧Receiving Module

320‧‧‧虛擬卡生成模組 320‧‧‧Virtual Card Generation Module

330‧‧‧發送模組 330‧‧‧Send Module

圖1是表示本發明的虛擬卡生成方法的流程圖。FIG. 1 is a flowchart showing a virtual card generation method of the present invention.

圖2中表示了權杖的依存關係。Figure 2 shows the dependency of the token.

圖3是表示本發明一實施方式的虛擬卡生成方法的流程圖。FIG. 3 is a flowchart showing a virtual card generation method according to an embodiment of the present invention.

圖4是表示本發明一實施方式的虛擬卡綁定解除的流程圖。FIG. 4 is a flowchart showing unbinding of a virtual card according to an embodiment of the present invention.

圖5是表示本發明一實施方式的虛擬卡生成系統的框圖。FIG. 5 is a block diagram showing a virtual card generation system according to an embodiment of the present invention.

Claims (13)

一種虛擬卡生成方法，其特徵在於，包括： 獲取步驟，第一終端獲取需要生成虛擬卡的第二終端的終端資訊，其中所述第一終端已綁定支付卡； 請求發送步驟，第一終端將已綁定支付卡的卡資訊和所述第二終端的終端資訊發送到權杖伺服器以請求生成虛擬卡；以及 虛擬卡生成步驟，權杖伺服器基於所述卡資訊對所述第二終端分配與所述卡資訊具有依存關係的權杖號用以生成虛擬卡並且將所述依存關係和權杖號返回到所述第一終端。A method for generating a virtual card, comprising: In the obtaining step, the first terminal obtains terminal information of a second terminal that needs to generate a virtual card, wherein the first terminal is bound to a payment card; The request sending step: the first terminal sends the card information of the bound payment card and the terminal information of the second terminal to a token server to request generation of a virtual card; and In the virtual card generation step, the token server assigns a token number having a dependency relationship with the card information to the second terminal based on the card information to generate a virtual card and returns the dependency relationship and token number to The first terminal. 如申請專利範圍第1項所述的虛擬卡生成方法，其中，在所述虛擬卡生成步驟之後進一步包括： 儲存步驟，第一終端儲存所述依存關係和所述權杖號。The virtual card generation method according to item 1 of the scope of patent application, wherein after the virtual card generation step, the method further includes: In the storing step, the first terminal stores the dependency relationship and the token number. 如申請專利範圍第1項所述的虛擬卡生成方法，其中，在所述獲取步驟和請求發送步驟之間進一步具備： 支付卡選擇步驟，顯示所述第一終端已綁定的支付卡列表並且從所述支付卡清單中選擇需要與所述第二終端進行綁定的支付卡。The method for generating a virtual card according to item 1 of the scope of patent application, further comprising: between the obtaining step and the request sending step: The payment card selection step displays a list of payment cards bound to the first terminal and selects a payment card to be bound to the second terminal from the list of payment cards. 如申請專利範圍第1項所述的虛擬卡生成方法，其中， 在所述獲取步驟中通過以下方式之一獲取所述第二終端的終端資訊： 通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊； 通過NFC通信方式獲取所述第二終端的帳戶資訊；以及 直接輸入所述第二終端的帳戶資訊。The method for generating a virtual card according to item 1 of the scope of patent application, wherein: In the obtaining step, the terminal information of the second terminal is obtained in one of the following ways: Acquiring terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal; Acquiring account information of the second terminal through an NFC communication method; and Directly input the account information of the second terminal. 一種虛擬卡生成方法，包括： 獲取步驟，第一終端獲取需要生成虛擬卡的第二終端的終端資訊，其中所述第一終端已綁定支付卡； 請求發送步驟，第一終端發送所述已綁定支付卡的卡資訊和所述第二終端的終端資訊用以請求生成虛擬卡；以及 儲存步驟，第一終端儲存返回的基於卡資訊而分配給所述第二終端的具有依存關係的權杖號以及所述依存關係。A method for generating a virtual card includes: In the obtaining step, the first terminal obtains terminal information of a second terminal that needs to generate a virtual card, wherein the first terminal is bound to a payment card; A request sending step, the first terminal sends the card information of the bound payment card and the terminal information of the second terminal to request generation of a virtual card; and In the storing step, the first terminal stores the returned token number having the dependency relationship and the dependency relationship, which are allocated to the second terminal based on the card information. 如申請專利範圍第5項所述的虛擬卡生成方法，其中，在所述獲取步驟和請求發送步驟之間進一步具備： 支付卡選擇步驟，顯示所述第一終端已綁定的支付卡清單並且選擇需要與所述第二終端進行綁定的支付卡。The method for generating a virtual card according to item 5 of the scope of patent application, further comprising: between the obtaining step and the request sending step: The payment card selection step displays a list of payment cards bound to the first terminal and selects a payment card to be bound to the second terminal. 如申請專利範圍第4項所述的虛擬卡生成方法，其中， 在所述獲取步驟中通過以下方式之一獲取所述第二終端的終端資訊： 通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊； 通過NFC通信方式獲取所述第二終端的帳戶資訊；以及 直接輸入所述第二終端的帳戶資訊。The method for generating a virtual card according to item 4 of the scope of patent application, wherein: In the obtaining step, the terminal information of the second terminal is obtained in one of the following ways: Acquiring terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal; Acquiring account information of the second terminal through an NFC communication method; and Directly input the account information of the second terminal. 一種虛擬卡生成方法，包括： 接收步驟，從第一終端接收虛擬卡生成請求，其中，所述虛擬卡生成請求包含與第一終端已綁定的支付卡的卡資訊和第二終端的終端資訊；以及 虛擬卡生成步驟，基於所述虛擬卡生成請求對所述第二終端分配與所述卡資訊具有依存關係的權杖號並且生成以該權杖號為卡號的虛擬卡。A method for generating a virtual card includes: A receiving step of receiving a virtual card generation request from a first terminal, wherein the virtual card generation request includes card information of a payment card bound to the first terminal and terminal information of a second terminal; and The virtual card generation step is based on the virtual card generation request, assigning a token number having a dependency relationship with the card information to the second terminal and generating a virtual card with the token number as a card number. 一種使用者終端，包括： 獲取模組，用於獲取需要生成虛擬卡的其他終端的終端資訊，其中所述使用者終端本身已綁定支付卡；以及 帳戶管理模組，用於發送所述使用者終端本身已綁定支付卡的卡資訊和所述其他終端的終端資訊用以請求生成虛擬卡，另一方面，用於儲存基於所述卡資訊而分配給所述其他終端的具有依存關係的權杖號以及所述依存關係。A user terminal includes: An acquisition module for acquiring terminal information of other terminals that need to generate a virtual card, wherein the user terminal itself is bound to a payment card; and The account management module is configured to send the card information of the user terminal itself to which the payment card is bound and the terminal information of the other terminal to request the generation of a virtual card. A token number having a dependency relationship and the dependency relationship assigned to the other terminal. 如申請專利範圍第9項所述的使用者終端，其中， 所述獲取模組包括以下一項或者多項： 用於通過掃描所述第二終端的預先設定的二維碼以獲取第二終端的終端資訊的二維碼讀取模組； 用於通過NFC通信方式獲取所述第二終端的帳戶資訊的NFC模組；以及 用於輸入所述第二終端的帳戶資訊的輸入模組。The user terminal according to item 9 of the scope of patent application, wherein: The acquisition module includes one or more of the following: A two-dimensional code reading module for obtaining terminal information of the second terminal by scanning a preset two-dimensional code of the second terminal; An NFC module for acquiring account information of the second terminal through an NFC communication method; and An input module for inputting account information of the second terminal. 一種權杖伺服器，包括： 接收模組，用於從第一終端接收虛擬卡生成請求，其中，所述虛擬卡生成請求包含支付卡的卡資訊和第二終端的終端資訊； 虛擬卡生成模組，用於基於所述虛擬卡生成請求對所述第二終端分配與所述卡資訊具有依存關係的權杖號並且生成以該權杖號為卡號的虛擬卡；以及 發送模組，用於將生成的虛擬卡發送到第一終端。A token server includes: A receiving module, configured to receive a virtual card generation request from a first terminal, wherein the virtual card generation request includes card information of a payment card and terminal information of a second terminal; A virtual card generation module for allocating a token number having a dependency relationship with the card information to the second terminal based on the virtual card generation request and generating a virtual card with the token number as a card number; and The sending module is configured to send the generated virtual card to the first terminal. 一種電腦可讀媒體，其上儲存有電腦程式，其中， 該電腦程式被處理器執行時實現申請專利範圍第1~8項中任意一項所述的虛擬卡生成方法。A computer-readable medium having computer programs stored thereon, When the computer program is executed by a processor, the method for generating a virtual card described in any one of claims 1 to 8 of the scope of patent application is implemented. 一種電腦設備，包括記憶體、處理器以及儲存在記憶體上並可在處理器上運行的電腦程式，其中，所述處理器執行所述電腦程式時實現申請專利範圍第1~8項中任意一項所述的虛擬卡生成方法。A computer device includes a memory, a processor, and a computer program stored on the memory and capable of running on the processor, wherein the processor implements any of the items 1 to 8 of the scope of patent application when the processor executes the computer program. A method for generating a virtual card according to one item.
TW108112008A 2018-05-04 2019-04-03 Virtual card generation method, user terminal and scepter server TWI770377B (en)

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CN110097358A (en) * 2019-04-28 2019-08-06 北京小米支付技术有限公司 Virtual card generation method, device, equipment and storage medium
CN110245928B (en) * 2019-05-29 2021-01-29 创新先进技术有限公司 Method, system and equipment for acquiring signing key element information of bank card
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