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1. WO2020063138 - METHOD AND SYSTEM FOR ACQUIRING VIRTUAL BANK CARD PAYMENT AUTHORITY, ELECTRONIC DEVICE AND MEDIUM

Publication Number WO/2020/063138
Publication Date 02.04.2020
International Application No. PCT/CN2019/099986
International Filing Date 09.08.2019
IPC
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
CPC
G06Q 20/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/34
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Applicants
  • 京东数字科技控股有限公司 JINGDONG DIGITS TECHNOLOGY HOLDING CO., LTD. [CN]/[CN]
Inventors
  • 孙泽平 SUN, Zeping
  • 聂学贤 NIE, Xuexian
Agents
  • 中科专利商标代理有限责任公司 CHINA SCIENCE PATENT & TRADEMARK AGENT LTD.
Priority Data
201811144152.328.09.2018CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) METHOD AND SYSTEM FOR ACQUIRING VIRTUAL BANK CARD PAYMENT AUTHORITY, ELECTRONIC DEVICE AND MEDIUM
(FR) PROCÉDÉ ET SYSTÈME D'ACQUISITION D'AUTORITÉ DE PAIEMENT DE CARTE BANCAIRE VIRTUELLE, DISPOSITIF ÉLECTRONIQUE ET SUPPORT
(ZH) 获得虚拟银行卡支付权限的方法、系统、电子设备和介质
Abstract
(EN)
The present disclosure provides a method for acquiring virtual bank card payment authority, comprising: receiving a user operation; determining, in response to the user operation, whether a client device has the function of near filed communication; if yes, transmitting an applying request for applying for a virtual bank card; and in the case that the applying request satisfies an application condition, acquiring the virtual bank card of a payment account and a preset number of payment identifiers, the payment identifiers being generated by encrypting the card information of the virtual bank card, and being used for enabling other devices to determine the corresponding virtual bank card for payment by acquiring the payment identifier. On the other hand, the present disclosure also provides a system for acquiring virtual bank card payment authority, an electronic device, and a computer-readable storage medium.
(FR)
La présente invention concerne un procédé d'acquisition d'autorité de paiement de carte bancaire virtuelle, comprenant : la réception d'une opération d'utilisateur ; la détermination, en réponse à l'opération d'utilisateur, de savoir si un dispositif client a la fonction de communication en champ proche ; si tel est le cas, la transmission d'une demande d'application pour demander une carte bancaire virtuelle ; et dans le cas où la demande d'application satisfait une condition d'application, l'acquisition de la carte bancaire virtuelle d'un compte de paiement et d'un nombre prédéfini d'identifiants de paiement, les identifiants de paiement étant générés par chiffrement des informations de carte de la carte bancaire virtuelle et étant utilisés pour permettre à d'autres dispositifs de déterminer la carte bancaire virtuelle correspondante pour le paiement par acquisition de l'identifiant de paiement. Par ailleurs, la présente invention concerne également un système d'acquisition d'autorité de paiement de carte bancaire virtuelle, un dispositif électronique et un support de stockage lisible par ordinateur.
(ZH)
本公开提供了一种获得虚拟银行卡支付权限的方法,包括接收用户操作,响应于所述用户操作,确定客户端设备是否具备近场通信的功能,在具备近场通信的功能的情况下,发送申请虚拟银行卡的申请请求,以及在所述申请请求满足申请条件的情况下,获取所述支付账户的虚拟银行卡和预设数量的支付标识,所述支付标识是根据所述虚拟银行卡的卡信息加密生成的,用于使其他设备通过获取所述支付标识,来确定支付所使用的相应的虚拟银行卡。本公开的另一方面还提供了一种获得虚拟银行卡支付权限的系统、电子设备和计算机可读存储介质。
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