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1. (WO2019062691) VIRTUAL CARD OPENING METHOD AND SYSTEM, PAYMENT SYSTEM, AND CARD ISSUING SYSTEM
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Pub. No.: WO/2019/062691 International Application No.: PCT/CN2018/107254
Publication Date: 04.04.2019 International Filing Date: 25.09.2018
IPC:
G06Q 20/34 (2012.01) ,G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
34
using cards, e.g. integrated circuit [IC] cards or magnetic cards
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
沈凌楠 SHEN, Lingnan [CN/CN]; CN (US)
齐杰 QI, Jie [CN/CN]; CN (US)
陈戈 CHEN, Ge [CN/CN]; CN (US)
靳慧峰 JIN, Huifeng [CN/CN]; CN (US)
孙桓明 SUN, Huanming [CN/CN]; CN (US)
阿里巴巴集团控股有限公司 ALIBABA GROUP HOLDING LIMITED; 开曼群岛大开曼资本大厦一座四层847号邮箱 Fourth Floor, One Capital Place, P.O. Box 847, George Town, Grand Cayman, KY
Inventors:
沈凌楠 SHEN, Lingnan; CN
齐杰 QI, Jie; CN
陈戈 CHEN, Ge; CN
靳慧峰 JIN, Huifeng; CN
孙桓明 SUN, Huanming; CN
Agent:
北京国昊天诚知识产权代理有限公司 CO-HORIZON INTELLECTUAL PROPERTY INC.; 中国北京市 朝阳区小关北里甲2号渔阳置业大厦B座605 Suite 605, B Block, Yuyang Zhiye Building No. A2, Xiaoguanbeili, Chaoyang District Beijing 100029, CN
Priority Data:
201710888039.527.09.2017CN
Title (EN) VIRTUAL CARD OPENING METHOD AND SYSTEM, PAYMENT SYSTEM, AND CARD ISSUING SYSTEM
(FR) PROCÉDÉ ET SYSTÈME D'OUVERTURE DE CARTE VIRTUELLE, SYSTÈME DE PAIEMENT ET SYSTÈME D'ÉMISSION DE CARTE
(ZH) 一种虚拟卡的开卡方法、系统和支付系统、发卡系统
Abstract:
(EN) A virtual card opening method and system, a payment system, and a card issuing system. The method comprises: a payment system (600) obtains a card opening agency rule and a card opening condition from a card issuing system (800) in advance, so that when the payment system (600) receives a virtual card opening request sent by a user and the card opening condition is satisfied, the payment system (600) generates a target virtual card that the user needs according to the card opening agency rule and user information in the virtual card opening request.
(FR) La présente invention concerne un procédé et un système d'ouverture de carte virtuelle, un système de paiement et un système d'émission de carte. Selon le procédé : un système de paiement (600) obtient à l'avance une règle d'agence d'ouverture de carte et une condition d'ouverture de carte à partir d'un système d'émission de carte (800) de sorte que le système de paiement (600) reçoit une demande d'ouverture de carte virtuelle envoyée par un utilisateur et la condition d'ouverture de carte est satisfaite, le système de paiement (600) génère une carte virtuelle cible, dont l'utilisateur a besoin, selon la règle d'agence d'ouverture de carte et des informations d'utilisateur dans la demande d'ouverture de carte virtuelle.
(ZH) 一种虚拟卡的开卡方法、系统和支付系统、发卡系统,所述方法包括:支付系统(600)通过预先从发卡系统(800)获取代理开卡规则和开卡条件,使得支付系统(600)在接收到用户发送的虚拟卡开卡请求,并且满足开卡条件时,根据代理开卡规则和虚拟卡开卡请求中的用户信息,生成用户需要的目标虚拟卡。
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Chinese (ZH)
Filing Language: Chinese (ZH)